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Maria, I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yep. Fantastic. I'm just gonna email it through to you. Are you able to jump into your emails there at all? Perfect. Perfect. I've just sent it through now. It should come through from either OdooSign or Dana or Oakview Financial. Yeah. Good. Yeah. Fantastic. Now before we jump into the call completely and start going through things, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward? Fantastic. And I'll do a really quick security check there for you just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. Now with that email, you should see there if you press the button that says sign here, it lets you go forward so you can see the advice document. Yep. And on the front page, you should see statement of advice prepared for Maria Bilkert as of the 08/24/2026. Yep. Beautiful. On the bottom of that same front page, you've got all prepared for Dana Taylor. So my details there has been prepared for my lovely team here, and my representative number is 1304394. Okay? Fantastic. If we scroll forward, the next page is just noting the best interest duty. So just making sure that we're providing advice under the best interest duty, which is part of the corporations act. Then we've got the contents page, and then we've got areas that we're scoping in and out with regards to the advice there. So we're scoping in areas of superannuation. Essentially, you're wanting to retire fully by age 64 and then access the age pension at 67. So we're looking at updating the investments within the portfolio currently removing anything that's underperforming to make sure it is working better towards your retirement goals. And we've also got on the next page there areas that we scoped into a limited extent. So, essentially, because you are a little bit away from 64, we're not recommending a drawdown or how the the pension side is going to work yet. But what we've done is we've projected forward to show you essentially based on the current recommendations what that should look like based on your current circumstances for you, just to give you a bit of a guide and an update on where we're tracking for, and then we kinda review that moving forward. When you get to retirement, then we'll definitely look at drawdowns and how that looks and how you should be able to withdraw funds on a on a more in-depth basis. Okay? It depends yeah. So we're gonna do that. We're gonna look at the TTR strategy. So we talked about that transition retirement strategy, and we're gonna sort of meet around about March next year to look at getting that in place ready for your sixtieth birthday so we can kind of look at what to do moving forward for you and how that can benefit you down the track as well. Okay? So with the you can, but you do have to physically retire. So in order to access so far, you have to be fully retired. That is why being able to do this transfer time strategy works well. So with a TTR strategy, you're increasing your contributions into the savings system as much as we can up to the cap. And then because that reduced your take home pay, we start to draw a little bit out of super. There's a bit of a loophole within the super system where with that TTR strategy, we can access up to 10% of your super balance or of the balance we transfer into pension phase. So we'll be able to yeah. So with that strategy, you increase your contributions in the super as much as you can up to the cap, and then we replenish your take home pay by drawing some of that out of the pension account for you. So your take home pay should stay about the same. You get to, as an advantage, reduce your take reduce your taxable the income tax you pay and be putting as much as you possibly can into super as a last little, you know, boost towards your super. Yeah. Mhmm. Yeah. We talked about the yeah. So we talked about meeting in March to do it in March because your birthday is in June. So if we sort of meet in March, we've got some time to do up the advice and get that ready. So in June, when you have your birthday, then we can kind of look at doing that TTR strategy and having it in place then for you. Yeah. It's a little bit complex. So when we get to that point, I'll be able to show it to you in person, show you the numbers so you can kinda break it down. But, yeah, it's actually kinda really cool because you're allowed to access up to 10% of the pension balance. So say, as an example, if you've got 200,000 in super and you've got more than that. But just as an example, if you've got 200,000 in super, we move a 190,000 across into the the TTR pension account. We're then allowed to access 10% of that balance for the year for the financial year. And then that sort of is drawn down to replenish your income, and then we put more money in the super. So if you're on you know, you're in a 75% income tax bracket, you're paying 3232% tax. That money that goes into super is only taxed at 15% as opposed to your marginal tax rate of 32%. So the idea is to put more money in the super where it is taxed lower than your marginal tax rate, and then we're able to draw a little bit out of the out of the super system for to replenish your income. And the amount you're drawing out of the super system to replenish your income is tax free. So you're basically keeping your take home pay exactly the same, putting more money into super, and drawing a little bit out to replenish your income. It works really cool. I'll show you what it looks like when we get to that point to make it easier. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. As long as you've got cap space, as long yeah. As long as you've got some cap space left concessionally, or we can look at it non we can also look at it nonconcessional. So, like, you put that last little bit of money in nonconcessional as well. We can also look at doing it that way, but you can put money back in the super. Absolutely. Yeah. Yeah. Yeah. Well, the idea is you're putting well, you're putting more money in the taking out. So, theoretically, if you're putting an extra $6,000 a year in the super, you should be able to draw less than that out to replenish your income. So just that strategy alone means that you are putting more money in the super to kinda boost your super, provide a greater effect, and what you're drawing out isn't as much as you're putting in. It is a little bit complex. So when we kind of meet in June I can even send you a little bit of an email after the call today if you like just as an example as a bit of a breakdown so you can kind of run your eyes over it. And then when we when we kind of meet in March to sort of put the strategy in place prior to you turning 60 in June, we can kinda go through in a bit more detail then for you. How does that sound? Yeah. Beautiful. Excellent. If you go down to page number seven for me, now this has got the about you section with all of your details. Can you just reconfirm if there's been any major changes in your circumstances since we last spoke? Okay. Okay. About sixty thousand. Yep. No. That's okay. Yep. Beautiful. Fantastic. I'll just update that in the back end for you. Fantastic. Excellent. And on the next you're right. On the next page is your assets and liabilities. Is there any major changes to that you'd like me to update as well? Mhmm. Yeah. Well, you sorta wanted to have well, not really. Because if you retire at 64, we can definitely draw some funds out of super. So, yeah, I would probably just be keeping your emergency fund as a bit of an emergency fund. Because, realistically, when you get to 64, what I would like to be able to do is just before you get to that point you decide you wanna retire, you can tell me when that point comes. We'll look at what your look at your your income side of things. We'll look at what you have in super and look at how we draw down that $2,000 per week sorry, per fortnight. And then when you get to 67 and we apply for the age pension, then we can draw back on how much you draw out of super. So, theoretically, from 64 to 67, you're drawing the full amount of income, that $2,000 per fortnight to to keep you keep your living expenses sorted. And then when you get to, yeah, then when you get to the age pension age, then we apply for age pension. If you're eligible for the full pension, then we supplement that with super, and we just reduce how much we're drawing out of super to replenish your income. Does that make sense? Yeah. Yeah. Yeah. Yeah. Yeah. No. Yeah. No. That's okay. Absolutely. No. Look. Honestly, you're doing a really good job, and Super is working and building really, really nicely. I will let you go back to read the document after because it can be a lot to go through with me. But if I can get you to go down to page number 19 for me, I'll essentially take you through the main recommendations for this one. Has been. Yes. Yes. That's the one. Beautiful. So now you'll see this is the fee comparison table. It's essentially showing your current scenario versus what I'm recommending for you. So at the moment, within HUD '24, your current super balance, you got 244,427. From that, you're paying administration fees, investment fees. The ongoing service fee for us is also being deducted out, and contributions are essentially going in. You've got salary sacrifice there, and you've also made some non concessional contributions. So your contributions have been going in ad hoc and regularly to to provide that boost for you. You don't have any insurance premiums currently, which is okay, and then you've also got a growth portfolio. So we sort of talked about the risk profile side of things, and you wanted to stay in that higher sort of growth environment for the next sort of twelve months. And then next year, when we go into that TTR phase and we sort of transition into retirement from there, then we agreed to sort of look at reducing that back. Does that still sound appropriate to you? Honest honestly, I wouldn't be looking at reducing your risk level with the volatility out there. Putting you know, going more high growth means that you are increasing the risk level, which does mean that when the market goes down, you're gonna feel that as well. And if you are wanting to start that TTR at that point, we have increased the risk, then you do risk as as starting to access those funds and in starting that transition sort of retirement phase right when the market is down, which could have a a worse effect for you. So, realistically, we wanna kinda start reducing our risk level. We don't wanna be increasing it as we get closer to accessing super. So staying where you are right now is fine. I would wanna do another catch up. So I'll do another probably catch up with you around about December just before we go away for the Christmas break. And then when they come back from Christmas break, we can do another catch up and really look at the strategy for that transition retirement phase next year for you. Does that sound okay? Beautiful. Now when we sort of look at the five year rolling average, the current portfolio you're in, the research shows, it's averaged about 9.63% over the last sort of five years, which is not a bad return. How with the recommendations, which is the second column, I am recommending you retain hub twenty four. I do, as part of my research, look at hub twenty four as a fund as well as any other super funds out there. I did recommend retaining the fund you're in because if we look to sell down your entire portfolio, there is a much greater capital gains effect there for you. So it's essentially your super fund just like you does a tax return every year, And if we had to trigger the full sell down and move all of your funds to another platform, it would have triggered a capital gains effective over $5,800. And we don't wanna do that because whilst you are contributing and getting growth, it means your fund has to make that money back. So if we can retain the super fund you're in, so long as it's a fine super fund, there's nothing wrong with hub twenty four. There's no changes that require it to be moved anywhere else at the moment. Then we can make the switches or change the investments without having such a big CDT effect for your super. Does that make sense? That's okay. So when we look at the changes, and I'll take you through those in a second, you'll see in the differences column there the $229. Can you see that on the top line? Yep. Beautiful. That's essentially the capital gains effect your super fund is gonna need to account for. So we are switching some of the investments around, but when we were looking at doing that with the research, we wanted to minimize the CDT effect for your super funds. So with the changes I'll take you through, it essentially means that your super fund is only gonna have to pay capital gains of around about $229, much nicer than 5,800. Within the super fund, there's no change to the administration fees. They will stay exactly the same because you're staying within Hub there. However, the new investment portfolio is actually cheaper. You're currently paying 1,244 for the investment fees. With the newer portfolio, it's reducing it to 652 for the first year. So it's a saving of $592 for investment fees, which is good. That's more money that stays in your super fund working harder for you. Does that make sense? Yeah. Beautiful. The ongoing service fee remains essentially the same. It is a percentage based fee that that will sort of change next year, but I'll take you through that fee when we meet. It's not changing for now. You will see a difference of $59. That's because of the the growth expected within the portfolio. So for the year, we do expect to receive $4,347 as our ongoing service fee there for you. Okay? Your contributions will continue to go in, so don't change anything with those. That is all to go the same. I know you are making ad hoc contributions on a regular basis. You are welcome to yeah. Look. You you're not hitting the cap at any point at the moment. If you want, you can let me know whenever you're going to make a contribution, and I can check the cap space just to make sure that you're still good and okay to do that. Alternatively, if you wanna hold off until March next year, we could look at, you know, including that into the additional this new strategy with your transition into retirement side of things and maybe incorporate that for you. So we we did talk about increasing contributions to utilize some past cap space as well. We did decide to hold off on that until next year as well just because you couldn't get into your myGov account, and it's probably easy to sort of look at that as part of your overall retirement transition strategy. But if you are just making smaller regular, you know, ad hoc contributions here and there, you're welcome just to email me, let me know, and I can have a look for you to make sure there's no issues. Okay? Yeah. That's that's the nonconcessional contribution limit. Yeah. You're well and truly under that for the moment. That's a lot of money. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. As long as you're under that 130,000 for nonconsessional, it's fine. The main the main difference with your two different contributions caps, you've got concessional, which is where your employer contributions go in. That's where tax is taken out when the money hits the super system. And then you've also got non concessional over here, which is that way you're talking about the cap state the cap of a 130,000 for the year. The main sort of difference is with your concessional employer contributions, when that goes in, 15% tax is taken out of it. So only 85% of that contribution is invested over here. Whereas that nonconcessional contribution, that a 100% goes in from your after tax income, and a 100% of that in that money is invested in your portfolio for you. So you can provide a greater long term benefit. It does also mean because one of your aspects was making sure that your super in the event that you passed away is paid out to your children children as a dependency if they do receive the super benefits if they do receive the super benefit on death as a death benefit and then nontax dependent, they do pay tax on the taxable component. So that money that you're putting in over here ad hoc as a non concessional contribution, that's going into your tax free component, which can also, as a a benefit to your dependents if you were to pass away, they don't pay tax and a tax free component. So you're kind of boosting up your super, also building a tax free component over here for if in the event you were to pass away, and it had to be paid out to your kids to help kind of reduce the overall tax side of things for them. So that is a that is a benefit. Yeah. That is a benefit. Yeah. Just keep plugging away. Yeah. Absolutely. There are other there are other ways to kind of help with reducing the tax side of things when on a death benefit. And as part of this, I have also made a recommendation we alter your beneficiary nomination. I'll take you through that shortly. Okay? Excellent. So when you sort of look at that, look, there's it's just about retaining your HUB 24 super fund and just altering the investments within that to make it easier. The newer portfolio still retains you in that growth environment. That's the second last column on that table there. And when we look at the returns in the research with the the newer portfolio, it's averaged about 10.53%. So this newer portfolio is much cheaper for you. It's actually saving you on fees within the super system, which is fantastic. And over the past sort of five years has provided a greater past performance. So whilst past performance is no indicator, it's not a guarantee that you're gonna get better performance moving forward. When we sort of look at that, if we look at the last five years and the average return it has achieved, then we can kinda take that data and go, well, if it's done this over the past five years, given the same market conditions, this portfolio can do the same thing again. Does that make sense? Yes. Beautiful. Underneath that, we have the projection table there for you. So, essentially, given the new recommendations versus the current, if you were to stay where you are, you can sort of see where it's projected at '64, '67. And over the next ten years, if you wish to continue to keep it without drawing anything out, the recommended can actually put you in a much greater position. So if we look at '64, just to sort of start with, by the age of 64, by making these changes, you could end up with 400 and 76,000 as opposed to $4.55. So it's an additional 20,000 on top of where you currently could be by changing the advice and changing the investments within your super. Okay? Yep. And when that's right. Yeah. What we'll do is when we get to that point next year and we do the TTR side of things, I will update the projection table to show you where we're tracking for, and we can compare that to what we've currently got here for you as well. Okay. Yeah. Mhmm. That's fine. Yeah. Look. If if you decide you don't wanna sort of draw do the TTR side of things, yeah, and you just wanna put more money into super, the main sort of reason people would, happy to go on with that transition retirement strategy is that increasing contributions into super reduces your take home pay. So it means that you have less money at the end of the week for your bills and expenditure. But expenses are ex life is expensive at the moment, so most people can't sort of deal with that and can't reduce their expenses and have trouble, you know, paying the bills and things from the increase in their contributions in. So the TCR strategy essentially allows you to draw some money out of the super system to replenish your income so that your take home pay stays about the same. That way, it's not having as great an effect on your take home pay and your expenditure, essentially. But if you get to in March and you go, hey. No. I'm good to continue doing this. I don't I don't need that extra money. Obviously, having it in super and boosting your contributions can provide a much greater effect for you. So we we can look at that in March. We'll do a catch up. We'll talk about all the options. We'll look at all the bits and pieces, and then we can work out what you're comfortable with. Maybe look at your catch up contributions. I'll see if I can help you get into your MyGov account, and we will work out what your carry forward looks like, try to maximize contributions where we can. So that last couple of years, we can boost super as much as possible for you. How does that sound? Beautiful. So that's essentially yeah. Yes. Yes. Yes. Yeah. Absolutely. Yes. Yeah. Yep. Yeah. Absolutely. Absolutely. And we'll make sure it definitely works, and we'll look at it again next year. And we'll keep kinda boosting it and doing what we can each year to get you as much as possible. And and one of the things is maneuvering these investments to make sure that you are invested in a way that is making you money, that the investments are working harder for you, but that you're also trying to save a bit in fees as well and that we're not, you know we're we're removing any underperforming investments, which is kind of the biggest thing with this advice play piece. So yeah. Yep. Absolutely. Absolutely. Yeah. And if you scroll down to page number 21 for me, I can show you what those changes look like to make it easier. Yeah. Excellent. Now you'll see quite a lot of red and green on this page. This is outlining all the different investment options that you currently have and what we're gonna be adding into the portfolio. So there is a lot going on here. The the third column's your current weighting. So what you currently have within your super fund at the moment, and, obviously, the next column is the balance that you currently have within your super fund currently. The main column to sort of look at is the buy style, which has got that red and green, and the first column is all the individual investments there. Once we complete the changes, the last two columns show what you'll have in your super fund based on waiting and by balance. So that's after the changes are made. To kindly break it down and give you a little bit of context, but without overloading you with information, you've got the bank hybrids, which is the first one. That will be sold off completely. We talked about how they're gonna be phased out down the track. Yep. You've got that global agriculture. You only have about 2% there. We wanna remove that completely from this portfolio as well. Yep. Physical goal, we wanna keep it, but you've got 14% there at the moment. We only wanna hold 8%. So it's important to rebalance it back and sell some of that to bring you back to an 8% waiting. Okay? And by selling that, you're cementing the gains that that physical gold has seen and reinvesting it back into your super fund. That's part of compounding. It's cementing gains and reinvesting it back in other areas so as it continues to make money and growth. Okay? Excellent. You've got the cybersecurity, which is the next one down. You're a bit overweighted at the moment. We only wanna hold 5%, so it means we're gonna sell some of that. The S and P 500, we only wanna hold 20%. You've got a bit more than that in there at the moment, we're gonna sell a bit of that as well. And then you've also got the Raffi BetaShares Raffi a 200. This is giving you access to some of the top 200 companies on the ASX. You hold about 17.30. We only wanna hold 15%, so we're gonna sell some of that to bring you back down a little bit. And then underneath that, Benelon Australian Equities, that's the one that's underperforming. So we're giving that the flick and removing that completely there for you. Uh-huh. Absolutely. Get out of that. So we're gonna sell all of that off so you no longer have that investment in there. And then the ClearBridge infrastructure income funds, the infrastructure has had a bit of volatility. There has been some changes in the market. That means it is time to remove you out of that investment there as well. So we're selling that one completely down. Essentially, once we've made those sales, what you'll see in your portfolio is 8% physical gold, 5% cybersecurity, 20% the S and P 500, so the top 200 companies on the s on the American market, 15% in the Raffy Australian 200. We're then gonna have an ad India, which is the third one from the bottom. So five percent is the India quality ETF, four percent into global health care. So health care is a good area to be invested, and global is giving you access to the entire globe, so diversification. And then we still wanna have some more Australian equities. So we're gonna have the beta shares a 200. So this is, again, another top 200 companies on the ASX, and this is giving you greater diversification. So we already have the Raffy in there, but we're adding this investment. So you you're not overweight in any one particular investment. It does diversify across the Australian market, which is great, but it is giving you greater diversification, which helps to lower the risk of your portfolio as well, which is really important because just because you're in growth doesn't mean you wanna have huge amounts of risk. You still wanna mitigate whatever risk you possibly can. So this does that. And that then along Australian Equities investment, that investment manager held between 15 to 25 different investments. So we're selling that off. It's underperforming and moving you into an investment that gives you access to the top 200 companies on the ASX for greater diversification, and it's cheaper investment. So it's it means it's less fees going out to the investment managers. Okay? Excellent. Yeah. And then the next page, you've got the the last three, the JPMorgan Global Research Enhanced Equity Fund. Now this is giving you just a little bit of an actively managed fund in there. It is essentially giving you global exposure to equities across the entire globe, but JPMorgan's research team essentially choose what to invest in within this one, and it's actually a very good investment. It's a past it's a a low cost active management investment option and has done very, very well over the past few years. And then defensive wise, because you're in that growth environment, we still wanna hold around about 20 in defensive investments, like cash bonds and fixed interest, and that's where the iShares Yield plus and the core composite bonds comes into place for you. So it'll be giving you about 18% exposure into defensive investments for income producing because we still wanna make sure your portfolio has dividends and income that's paid to your cash account so you can have that reinvested back into your portfolio. Does that make sense? Yeah. It's okay. That is a lot. I try to sort of go as easy as possible on those investments. But do you have questions? Yeah. Yeah. It's good. It's okay. Excellent. Now underneath that, you've also got the cash table. So at the moment, you do have about 10,000 sitting in cash there. That is a little bit too high cash wise, essentially. You wanna make sure more money is invested. So we're only gonna hold about 1.25 cash within the fund, and all the rest of it. So a bit over 7,000 needs to be invested back into that portfolio above there for you, so it's working harder. Okay? Yeah. Excellent. If you go down to the page number 24 for me, this is essentially showing you so we talked about how whilst we're not recommending the draw downs in the retirement aspect, we're gonna give you a little bit of a table that kinda shows where we're tracking for based on the the outcome. We have a couple of ways of doing this, but we've chosen to do it this way because it's a bit clearer for you to read. I also have a table that I can use, but this kind of outlay is a bit clearer. So it essentially shows that at the age of 64, based on the current recommendations, we can project your super balance to be sitting at $476,616.62. The next side of it and it kinda projects forward over the next, you know, to pay at $8.01 100, essentially. The next column is basically working on how much income should be produced from that from that portfolio based on a conservative rate of return, and we essentially use about a five to 6% return in those those return year. Sorry. And then we've also got the fees. So the next table outlines the ongoing costs based on the projected balance. We do overestimate the fee side of things, but then it's also got how much pension you would need to draw down. So based on your requirement of $2,000 on a fortnightly basis, drawing an income of 31,200 for the year, and then also looking at age pension entitlement when that's open there. And it sort of shows that based on all these factors, the projected outcome, the interest, the fees, the super pension amount that you would wanna draw down, and the fact that you might are going to be eligible for age pension down the track, realistically, all going, your your super balance should last quite a long time. It is showing that it should last quite significantly. I don't think you're gonna have over a million dollars at age 100, but this is just the way the projected table works. But, essentially, it does show that you can draw down based on your balance projected at age 65. You can start to draw down your income. You can then access age pension and reduce how much you're gonna need to live on. And your super should definitely last into the eighties and nineties at this point in time. We wanna make sure it lasts even longer that and gives you the best possible outcome, so we wanna keep boosting it. But it is showing you that right now, what you're on track for, your super could definitely work and last for you. Okay? Yeah. Beautiful. And it is just a projection table. I know it goes up, and so I definitely don't think you're gonna have $1,600,000 at 8,100 because the longer you survive, the more you have to actually draw down them. But there's only there's limitations on what we can do with these sorts of projection tables. So we kind of have to work with them. So I would say take it take it with a grain of salt when you're looking at that age because as you get older and older, you are you are also supposed to take more out of sleep on a regular basis, and these are the sorts of things that we'll be able to look at in a lot more detail when you get closer to retirement, essentially. Yeah. So it starts at four percent. Yeah. When you get into your nineties, they want you to take, like, 13% of your balance. Yeah. Yeah. But, I mean, realistically, most most of us in our nineties are probably in aged care home at that point anyway. So no. No. No. No. But, yeah, look, honestly, this does sort of show. And with the research behind it, making the changes does put you in a good position, does keep more money invested. And, realistically, projection wise, your super balance can last, and it can do what you need it to based on where we expect it to be. But I would just like to, you know, keep building on it and get as much as we can into super to provide you with the best possible income in retirement. Because the other side of it is, whilst we start drawing an income of $2,000 per fortnight or $1,000 per week when you first retire, that as you get older, as you wanna travel, as you might wanna buy a new car and do different things, you might need to draw regular or different ad hoc lump sums down on different bases. So it's about putting as much as you possibly can in. So, a, you can draw down an income, but so you can also live and take a holiday when you want to. If you wanna buy flights or, you know, hand some money out to your kids or, you know, buy Christmas presents and things like that, you might need ad hoc withdrawals here and there, and that's something else to consider. And the other side of it is your health can change as life gets goes on as well. So then the amount you might need to live on will need to increase. Not only are you is the requirement to draw out a super increasing, but how much you might need to live on can increase there as well. So those are other factors that we'll have to look at down the track. That's why boosting a super as much as possible now and putting as much as we can in can provide a greater benefit down the track there for you. Does that make sense? Yeah. Beautiful. But you can sort of see that gives you an idea that we're on track quite nicely, and we'll look at it in a lot more detail next year to see whether you wanna go down that route of that TTR side of things. Okay? Beautiful. It's yeah. Yeah. Mhmm. A lump sum. Yeah. So you've gotta be 60 and fully retired or yeah. Yeah. So once you hit 64 and you fully retire, then you'll have a 100% access to all your money tax free with InsideSuper. You can take your income plus your ad hoc drawdowns as you need them. It'll all be absolutely fine. You can let me know when and if you need things like that before from 64 based on your goal age. But the the realistic view is that if you decide at 60 you wanna retire and start your own income, you can. The legislation states that preservation age is 60, so long as you're fully retired, at age 65, regardless of whether you're working or not, they allow access to your money, a 100% of your funds inside super. And from 67, you can apply for the age pension. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Definitely. Definitely. Let's maybe table that until March. We'll come back in March and maybe really assess, you know, whether the TTR side of INGS will let we'll look at your I'll see if I can help you get into your myGov account, and we'll look at your carry forward contributions and see, you know, what we can utilize in the past couple of years to maximize your super as much as possible. We could also talk about, you know, the different components and whether we throw more money in nonconcessionally and what that looks like for you. So, yeah, I figure we switch the investments now and get things working a little bit. And then in March, we can sit down and go, right. You're nearly 60. What are we wanting to do? How do we want this to play out? What do you have available? What's your catch up contributions look like, and we'll do another nice big plan and kind of build for the retirement aspect from there for you. How does that sound? Yeah? Yep. Beautiful. In the meantime, you can be popping some money away in your emergency fund just to kinda give you that back up in case something happens up until that point. Yeah. Beautiful. The last thing I wanted to kinda go through with you is if you go down to page 26 for me now this is the beneficiary side of things. So your goal was that you wanted to if anything happens to you, and I don't want anything to, I want you to get to retirement and enjoy your money and have a great, you know, twenty or thirty years in retirement or forty years. Essentially, if anything did happen, though, you wanted your super benefit benefit to be paid out to your kids, so to Charlotte and Jessica. Essentially, with the way the super system works and the way beneficiaries are, children are beneficiaries under the CISAT. That is absolutely fine. However, if they're older over the age of 18 or over the age of 25 if they're financial dependent, essentially, if they receive the funds direct from Super, the taxable component, they can pay tax on us up to 17% tax. So there's a couple of ways that we can look to reduce this. One is we can look to boost up the tax free benefit of your Super as much as possible because they receive that side of things completely tax free. We can't really change the taxable component currently. We have to wait till you retire to be able to kind of redig that to make it really tax free for them. However, at the moment, what I'm recommending we do is we change your beneficiary nomination. So the other way to help reduce the amount of tax that your beneficiaries are expected to pay if they were to receive the funds is to nominate your legal personal representative. Now if we essentially do this, we tick a box on the beneficiary form. And on your super fund and the beneficiary section, they just have legal personal representative exactly as it's nominated here. What that essentially means is is if you were to die tomorrow, you would just need to make sure you have a will in place. And in that will, you would nominate Charlotte and Jessica to receive the 50% of everything, basically. If you were then to pass away tomorrow with the claim is made on your super, the money is paid direct to your estate, and then as per the directions in your will, it is all paid out to the beneficiaries. Now it doesn't alleviate the tax wholly because there is still taxation consequences. We still pay tax on money that we've inherited. However, it can alleviate the Medicare levy, the 2% tax that they would have to pay for the Medicare levy. So it does increase the tax free component that they would receive. It does mean that they could receive a little bit more money upfront. When we get to retirement age, you and I can readjust a lot of these things and do cash at recontribution strategies and things to make your taxable component as tax free as possible. But for right now, to cover up into the point that you retire, to give your kids the best possible outcome, utilizing the legal personal representative and having your super paid through your estate, through your will, does alleviate some of the tax consequences that they would have to pay. So it does mean that they receive a little bit more money. Does that make sense? Yeah. No. So you just have l p you just have legal personal representatives, and it means your will. It basically is a long version saying your will. Yeah. So whenever the Superfund sale sees LPR or legal personal representative, they know that it needs to go to the estate, and they pay it to the estate, and you just need to have your will done up correctly. I believe now we yeah. Yes. Yes. That was one thing we made mention. Yeah. It it is it is important to kind of update. Yeah. Absolutely. It is a good thing to definitely have updated. But even if you didn't, as long as, you know, these funds will still be paid for to the estate, and then as part of the the estate planning process, the executive will go, well, as long as we've got all the funds together, it can all be paid out. So it would still work. There's nothing wrong with the way the will is essentially set up, but it is just about eliminating eliminating the amount as much tax as possible on the beneficiaries if they were to receive it. Obviously, the the other side of this is that we set these beneficiary nominations up, and we have things in place. But at the end of the day, we don't want anything to happen to you. We want you to get to 64, retire, draw your income, and enjoy your life at the end of the day. So don't really want a estate claim. Yeah. Yeah. We can. Absolutely. Absolutely. And when you when you when you fully retire and we have access to all those funds, we can definitely, again, look at doing other strategies where we change your taxable component into tax free component. So there are things that we can do. It's just that we can't do them yeah. We just can't do them till you retire because we need access to your money to be able to do them. But there are definitely some fun, cool strategies we can put in place to help you change the benefits and to help you maneuver things like that. It's just about getting you to that retirement phase. So for right now exactly. Exact and that's why I kinda wanted to make this a little bit easier. So one step at a time is definitely the right way to go, not to overwhelm you too much. So starting with just altering the investments now, retain everything else as it is, and then in a couple of months' time, we check if that's working for you. Then we come back and we go, right. Now you're turning 60. This is exciting. What do you wanna do? We talk about the TTR. We decide whether you wanna do it or whether you just wanna put more money into super. We try to use catch up contributions in the last couple of years to, you know, provide greater benefit. We talk about whether we use it as catch up contributions or whether we do it nonconcessional to benefit your estate planning process. And then we kinda go from there, then we get to the actual retirement, and we again revisit the estate planning process and the draw downs and how we structure things that way. So it's just a continuous process, but we do it one step at a time. And as we go through that process, we start to reduce risk levels. So right now, your growth, when we come back next year, I'll probably be saying let's let's really consider reducing the risk of it here. Let's start pulling things back a bit for you, and then we'll correct and we'll keep doing that as you get closer to retiring. That way, when you do access Fuqua, you're in a more conservative environment. Does that make sense? Yeah. Beautiful. Yeah. It's it's a lot. Me too. Me too. So far, it's all been working really nicely, but that's why I do wanna make sure that you and I catch up in December. That way, just before we go away for the Christmas break, we can check-in to say, hey. This has been in place for a few months. How's it working? And then we can catch up again, you know, early next year in March to talk about your next side of things. Okay? Perfect. All good. Well, I will let you go to that's okay. You're welcome to take that back and have a read to the document. If you do have any questions no. So if you you do. So if you decide you're happy with the recommendations, you can sign the document. I just wanna let you know, Maria, you don't have to sign it now. You can take it back and read it first. You don't have to choose. Yes. Absolutely. And then once you're happy to sign the document to take on the recommendations, you sign the bottom of it, and it comes back to us, and we will put those in place there for you. Okay? Buying in. It can normally, it's it's honestly not too bad. It can be done fairly quickly. Most of the funds, we can sort of buy and sell within about two to three days. It's the Bennelong that takes the longest. So the managed fund that we wanna get you out of because it's underperforming, that can take up to four weeks to fully sell down. So, yeah, if we can try and do that as quickly as possible, that would be great to get you out of it because it is the hardest one to sell down. It is. It is. It is. But no. Look. Take it is. It is. But now look. Take some time to read that over. And once you've read it and you're happy to accept the recommendations, you just sign the bottom of it. It comes back to us automatically, and we will start by selling everything down and buying into the new investments for you. Okay. Yeah. That's okay. Do you have any questions? Is there anything I haven't sorta answered correctly or that you wanted more clarification on? Beautiful. Oh, thank you. Thank you. Thank you. Oh, beautiful. That's really good. Excellent. Thank you. My pleasure. Not a problem at all. Not a problem at all. Thank you so much. The only other thing to let you know that is that tax file opt in form that we had with the wrong number last time, the the girls have attached it to this document. We thought because we're doing it electronically, we'd attach it all to one for you so you're not signing lots of different electronic documents to make it easier. So when you sign the advice, it will automatically prompt you to sign the document as well. Okay. Beautiful. Excellent. And I've got some reading material attached. I've also got, like, if you're interested, the the product disclosure statements for Hub '24. And I've also got our financial services guide in there as well as an attachment. So if you I probably I think I did. Yeah. I think I did. But I attached it to everything, so everyone gets a few copies of those. Just making sure. But no. All good. All good. That's okay. Absolutely. Beautiful. Excellent. And I'll make sure we have yeah. Yeah. Absolutely. That's really good. And if you ever get stuck or have questions, you know where I am. You're welcome to email me, call me. I'll always try to fit you in. Yeah. And I'll make sure we definitely do a catch up in early December. Okay? Thank you, Marie. You have a lovely afternoon. Appreciate your time. Thank you. You too. See you later. 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Maria. It's Dana. How are you? I'm very well. Thank you.\n\nHow's your day being so far? Oh, that's good. That's a good oh, that's really good. I'm glad. Maria, I had you booked in to go through your updated statement of advice.\n\nIs now still a good time there for you? Yep. Fantastic. I'm just gonna email it through to you. Are you able to jump into your emails there at all?\n\nPerfect. Perfect. I've just sent it through now. It should come through from either OdooSign or Dana or Oakview Financial. Yeah.\n\nGood. Yeah. Fantastic. Now before we jump into the call completely and start going through things, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that moving forward?\n\nFantastic. And I'll do a really quick security check there for you just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that.\n\nNow with that email, you should see there if you press the button that says sign here, it lets you go forward so you can see the advice document. Yep. And on the front page, you should see statement of advice prepared for Maria Bilkert as of the 08/24/2026. Yep. Beautiful.\n\nOn the bottom of that same front page, you've got all prepared for Dana Taylor. So my details there has been prepared for my lovely team here, and my representative number is 1304394. Okay? Fantastic. If we scroll forward, the next page is just noting the best interest duty.\n\nSo just making sure that we're providing advice under the best interest duty, which is part of the corporations act. Then we've got the contents page, and then we've got areas that we're scoping in and out with regards to the advice there. So we're scoping in areas of superannuation. Essentially, you're wanting to retire fully by age 64 and then access the age pension at 67. So we're looking at updating the investments within the portfolio currently removing anything that's underperforming to make sure it is working better towards your retirement goals.\n\nAnd we've also got on the next page there areas that we scoped into a limited extent. So, essentially, because you are a little bit away from 64, we're not recommending a drawdown or how the the pension side is going to work yet. But what we've done is we've projected forward to show you essentially based on the current recommendations what that should look like based on your current circumstances for you, just to give you a bit of a guide and an update on where we're tracking for, and then we kinda review that moving forward. When you get to retirement, then we'll definitely look at drawdowns and how that looks and how you should be able to withdraw funds on a on a more in-depth basis. Okay?\n\nIt depends yeah. So we're gonna do that. We're gonna look at the TTR strategy. So we talked about that transition retirement strategy, and we're gonna sort of meet around about March next year to look at getting that in place ready for your sixtieth birthday so we can kind of look at what to do moving forward for you and how that can benefit you down the track as well. Okay?\n\nSo with the you can, but you do have to physically retire. So in order to access so far, you have to be fully retired. That is why being able to do this transfer time strategy works well. So with a TTR strategy, you're increasing your contributions into the savings system as much as we can up to the cap. And then because that reduced your take home pay, we start to draw a little bit out of super.\n\nThere's a bit of a loophole within the super system where with that TTR strategy, we can access up to 10% of your super balance or of the balance we transfer into pension phase. So we'll be able to yeah. So with that strategy, you increase your contributions in the super as much as you can up to the cap, and then we replenish your take home pay by drawing some of that out of the pension account for you. So your take home pay should stay about the same. You get to, as an advantage, reduce your take reduce your taxable the income tax you pay and be putting as much as you possibly can into super as a last little, you know, boost towards your super.\n\nYeah. Mhmm. Yeah. We talked about the yeah. So we talked about meeting in March to do it in March because your birthday is in June.\n\nSo if we sort of meet in March, we've got some time to do up the advice and get that ready. So in June, when you have your birthday, then we can kind of look at doing that TTR strategy and having it in place then for you. Yeah. It's a little bit complex. So when we get to that point, I'll be able to show it to you in person, show you the numbers so you can kinda break it down.\n\nBut, yeah, it's actually kinda really cool because you're allowed to access up to 10% of the pension balance. So say, as an example, if you've got 200,000 in super and you've got more than that. But just as an example, if you've got 200,000 in super, we move a 190,000 across into the the TTR pension account. We're then allowed to access 10% of that balance for the year for the financial year. And then that sort of is drawn down to replenish your income, and then we put more money in the super.\n\nSo if you're on you know, you're in a 75% income tax bracket, you're paying 3232% tax. That money that goes into super is only taxed at 15% as opposed to your marginal tax rate of 32%. So the idea is to put more money in the super where it is taxed lower than your marginal tax rate, and then we're able to draw a little bit out of the out of the super system for to replenish your income. And the amount you're drawing out of the super system to replenish your income is tax free. So you're basically keeping your take home pay exactly the same, putting more money into super, and drawing a little bit out to replenish your income.\n\nIt works really cool. I'll show you what it looks like when we get to that point to make it easier. Yeah. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. As long as you've got cap space, as long yeah. As long as you've got some cap space left concessionally, or we can look at it non we can also look at it nonconcessional.\n\nSo, like, you put that last little bit of money in nonconcessional as well. We can also look at doing it that way, but you can put money back in the super. Absolutely. Yeah. Yeah.\n\nYeah. Well, the idea is you're putting well, you're putting more money in the taking out. So, theoretically, if you're putting an extra $6,000 a year in the super, you should be able to draw less than that out to replenish your income. So just that strategy alone means that you are putting more money in the super to kinda boost your super, provide a greater effect, and what you're drawing out isn't as much as you're putting in. It is a little bit complex.\n\nSo when we kind of meet in June I can even send you a little bit of an email after the call today if you like just as an example as a bit of a breakdown so you can kind of run your eyes over it. And then when we when we kind of meet in March to sort of put the strategy in place prior to you turning 60 in June, we can kinda go through in a bit more detail then for you. How does that sound? Yeah. Beautiful.\n\nExcellent. If you go down to page number seven for me, now this has got the about you section with all of your details. Can you just reconfirm if there's been any major changes in your circumstances since we last spoke? Okay. Okay.\n\nAbout sixty thousand. Yep. No. That's okay. Yep.\n\nBeautiful. Fantastic. I'll just update that in the back end for you. Fantastic. Excellent.\n\nAnd on the next you're right. On the next page is your assets and liabilities. Is there any major changes to that you'd like me to update as well? Mhmm. Yeah.\n\nWell, you sorta wanted to have well, not really. Because if you retire at 64, we can definitely draw some funds out of super. So, yeah, I would probably just be keeping your emergency fund as a bit of an emergency fund. Because, realistically, when you get to 64, what I would like to be able to do is just before you get to that point you decide you wanna retire, you can tell me when that point comes. We'll look at what your look at your your income side of things.\n\nWe'll look at what you have in super and look at how we draw down that $2,000 per week sorry, per fortnight. And then when you get to 67 and we apply for the age pension, then we can draw back on how much you draw out of super. So, theoretically, from 64 to 67, you're drawing the full amount of income, that $2,000 per fortnight to to keep you keep your living expenses sorted. And then when you get to, yeah, then when you get to the age pension age, then we apply for age pension. If you're eligible for the full pension, then we supplement that with super, and we just reduce how much we're drawing out of super to replenish your income.\n\nDoes that make sense? Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. Yeah. No. That's okay.\n\nAbsolutely. No. Look. Honestly, you're doing a really good job, and Super is working and building really, really nicely. I will let you go back to read the document after because it can be a lot to go through with me.\n\nBut if I can get you to go down to page number 19 for me, I'll essentially take you through the main recommendations for this one. Has been. Yes. Yes. That's the one.\n\nBeautiful. So now you'll see this is the fee comparison table. It's essentially showing your current scenario versus what I'm recommending for you. So at the moment, within HUD '24, your current super balance, you got 244,427. From that, you're paying administration fees, investment fees.\n\nThe ongoing service fee for us is also being deducted out, and contributions are essentially going in. You've got salary sacrifice there, and you've also made some non concessional contributions. So your contributions have been going in ad hoc and regularly to to provide that boost for you. You don't have any insurance premiums currently, which is okay, and then you've also got a growth portfolio. So we sort of talked about the risk profile side of things, and you wanted to stay in that higher sort of growth environment for the next sort of twelve months.\n\nAnd then next year, when we go into that TTR phase and we sort of transition into retirement from there, then we agreed to sort of look at reducing that back. Does that still sound appropriate to you? Honest honestly, I wouldn't be looking at reducing your risk level with the volatility out there. Putting you know, going more high growth means that you are increasing the risk level, which does mean that when the market goes down, you're gonna feel that as well. And if you are wanting to start that TTR at that point, we have increased the risk, then you do risk as as starting to access those funds and in starting that transition sort of retirement phase right when the market is down, which could have a a worse effect for you.\n\nSo, realistically, we wanna kinda start reducing our risk level. We don't wanna be increasing it as we get closer to accessing super. So staying where you are right now is fine. I would wanna do another catch up. So I'll do another probably catch up with you around about December just before we go away for the Christmas break.\n\nAnd then when they come back from Christmas break, we can do another catch up and really look at the strategy for that transition retirement phase next year for you. Does that sound okay? Beautiful. Now when we sort of look at the five year rolling average, the current portfolio you're in, the research shows, it's averaged about 9.63% over the last sort of five years, which is not a bad return. How with the recommendations, which is the second column, I am recommending you retain hub twenty four.\n\nI do, as part of my research, look at hub twenty four as a fund as well as any other super funds out there. I did recommend retaining the fund you're in because if we look to sell down your entire portfolio, there is a much greater capital gains effect there for you. So it's essentially your super fund just like you does a tax return every year, And if we had to trigger the full sell down and move all of your funds to another platform, it would have triggered a capital gains effective over $5,800. And we don't wanna do that because whilst you are contributing and getting growth, it means your fund has to make that money back. So if we can retain the super fund you're in, so long as it's a fine super fund, there's nothing wrong with hub twenty four.\n\nThere's no changes that require it to be moved anywhere else at the moment. Then we can make the switches or change the investments without having such a big CDT effect for your super. Does that make sense? That's okay. So when we look at the changes, and I'll take you through those in a second, you'll see in the differences column there the $229.\n\nCan you see that on the top line? Yep. Beautiful. That's essentially the capital gains effect your super fund is gonna need to account for. So we are switching some of the investments around, but when we were looking at doing that with the research, we wanted to minimize the CDT effect for your super funds.\n\nSo with the changes I'll take you through, it essentially means that your super fund is only gonna have to pay capital gains of around about $229, much nicer than 5,800. Within the super fund, there's no change to the administration fees. They will stay exactly the same because you're staying within Hub there. However, the new investment portfolio is actually cheaper. You're currently paying 1,244 for the investment fees.\n\nWith the newer portfolio, it's reducing it to 652 for the first year. So it's a saving of $592 for investment fees, which is good. That's more money that stays in your super fund working harder for you. Does that make sense? Yeah.\n\nBeautiful. The ongoing service fee remains essentially the same. It is a percentage based fee that that will sort of change next year, but I'll take you through that fee when we meet. It's not changing for now. You will see a difference of $59.\n\nThat's because of the the growth expected within the portfolio. So for the year, we do expect to receive $4,347 as our ongoing service fee there for you. Okay? Your contributions will continue to go in, so don't change anything with those. That is all to go the same.\n\nI know you are making ad hoc contributions on a regular basis. You are welcome to yeah. Look. You you're not hitting the cap at any point at the moment. If you want, you can let me know whenever you're going to make a contribution, and I can check the cap space just to make sure that you're still good and okay to do that.\n\nAlternatively, if you wanna hold off until March next year, we could look at, you know, including that into the additional this new strategy with your transition into retirement side of things and maybe incorporate that for you. So we we did talk about increasing contributions to utilize some past cap space as well. We did decide to hold off on that until next year as well just because you couldn't get into your myGov account, and it's probably easy to sort of look at that as part of your overall retirement transition strategy. But if you are just making smaller regular, you know, ad hoc contributions here and there, you're welcome just to email me, let me know, and I can have a look for you to make sure there's no issues. Okay?\n\nYeah. That's that's the nonconcessional contribution limit. Yeah. You're well and truly under that for the moment. That's a lot of money.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Yeah. Absolutely. As long as you're under that 130,000 for nonconsessional, it's fine.\n\nThe main the main difference with your two different contributions caps, you've got concessional, which is where your employer contributions go in. That's where tax is taken out when the money hits the super system. And then you've also got non concessional over here, which is that way you're talking about the cap state the cap of a 130,000 for the year. The main sort of difference is with your concessional employer contributions, when that goes in, 15% tax is taken out of it. So only 85% of that contribution is invested over here.\n\nWhereas that nonconcessional contribution, that a 100% goes in from your after tax income, and a 100% of that in that money is invested in your portfolio for you. So you can provide a greater long term benefit. It does also mean because one of your aspects was making sure that your super in the event that you passed away is paid out to your children children as a dependency if they do receive the super benefits if they do receive the super benefit on death as a death benefit and then nontax dependent, they do pay tax on the taxable component. So that money that you're putting in over here ad hoc as a non concessional contribution, that's going into your tax free component, which can also, as a a benefit to your dependents if you were to pass away, they don't pay tax and a tax free component. So you're kind of boosting up your super, also building a tax free component over here for if in the event you were to pass away, and it had to be paid out to your kids to help kind of reduce the overall tax side of things for them.\n\nSo that is a that is a benefit. Yeah. That is a benefit. Yeah. Just keep plugging away.\n\nYeah. Absolutely. There are other there are other ways to kind of help with reducing the tax side of things when on a death benefit. And as part of this, I have also made a recommendation we alter your beneficiary nomination. I'll take you through that shortly.\n\nOkay? Excellent. So when you sort of look at that, look, there's it's just about retaining your HUB 24 super fund and just altering the investments within that to make it easier. The newer portfolio still retains you in that growth environment. That's the second last column on that table there.\n\nAnd when we look at the returns in the research with the the newer portfolio, it's averaged about 10.53%. So this newer portfolio is much cheaper for you. It's actually saving you on fees within the super system, which is fantastic. And over the past sort of five years has provided a greater past performance. So whilst past performance is no indicator, it's not a guarantee that you're gonna get better performance moving forward.\n\nWhen we sort of look at that, if we look at the last five years and the average return it has achieved, then we can kinda take that data and go, well, if it's done this over the past five years, given the same market conditions, this portfolio can do the same thing again. Does that make sense? Yes. Beautiful. Underneath that, we have the projection table there for you.\n\nSo, essentially, given the new recommendations versus the current, if you were to stay where you are, you can sort of see where it's projected at '64, '67. And over the next ten years, if you wish to continue to keep it without drawing anything out, the recommended can actually put you in a much greater position. So if we look at '64, just to sort of start with, by the age of 64, by making these changes, you could end up with 400 and 76,000 as opposed to $4.55. So it's an additional 20,000 on top of where you currently could be by changing the advice and changing the investments within your super. Okay?\n\nYep. And when that's right. Yeah. What we'll do is when we get to that point next year and we do the TTR side of things, I will update the projection table to show you where we're tracking for, and we can compare that to what we've currently got here for you as well. Okay.\n\nYeah. Mhmm. That's fine. Yeah. Look.\n\nIf if you decide you don't wanna sort of draw do the TTR side of things, yeah, and you just wanna put more money into super, the main sort of reason people would, happy to go on with that transition retirement strategy is that increasing contributions into super reduces your take home pay. So it means that you have less money at the end of the week for your bills and expenditure. But expenses are ex life is expensive at the moment, so most people can't sort of deal with that and can't reduce their expenses and have trouble, you know, paying the bills and things from the increase in their contributions in. So the TCR strategy essentially allows you to draw some money out of the super system to replenish your income so that your take home pay stays about the same. That way, it's not having as great an effect on your take home pay and your expenditure, essentially.\n\nBut if you get to in March and you go, hey. No. I'm good to continue doing this. I don't I don't need that extra money. Obviously, having it in super and boosting your contributions can provide a much greater effect for you.\n\nSo we we can look at that in March. We'll do a catch up. We'll talk about all the options. We'll look at all the bits and pieces, and then we can work out what you're comfortable with. Maybe look at your catch up contributions.\n\nI'll see if I can help you get into your MyGov account, and we will work out what your carry forward looks like, try to maximize contributions where we can. So that last couple of years, we can boost super as much as possible for you. How does that sound? Beautiful. So that's essentially yeah.\n\nYes. Yes. Yes. Yeah. Absolutely.\n\nYes. Yeah. Yep. Yeah. Absolutely.\n\nAbsolutely. And we'll make sure it definitely works, and we'll look at it again next year. And we'll keep kinda boosting it and doing what we can each year to get you as much as possible. And and one of the things is maneuvering these investments to make sure that you are invested in a way that is making you money, that the investments are working harder for you, but that you're also trying to save a bit in fees as well and that we're not, you know we're we're removing any underperforming investments, which is kind of the biggest thing with this advice play piece. So yeah.\n\nYep. Absolutely. Absolutely. Yeah. And if you scroll down to page number 21 for me, I can show you what those changes look like to make it easier.\n\nYeah. Excellent. Now you'll see quite a lot of red and green on this page. This is outlining all the different investment options that you currently have and what we're gonna be adding into the portfolio. So there is a lot going on here.\n\nThe the third column's your current weighting. So what you currently have within your super fund at the moment, and, obviously, the next column is the balance that you currently have within your super fund currently. The main column to sort of look at is the buy style, which has got that red and green, and the first column is all the individual investments there. Once we complete the changes, the last two columns show what you'll have in your super fund based on waiting and by balance. So that's after the changes are made.\n\nTo kindly break it down and give you a little bit of context, but without overloading you with information, you've got the bank hybrids, which is the first one. That will be sold off completely. We talked about how they're gonna be phased out down the track. Yep. You've got that global agriculture.\n\nYou only have about 2% there. We wanna remove that completely from this portfolio as well. Yep. Physical goal, we wanna keep it, but you've got 14% there at the moment. We only wanna hold 8%.\n\nSo it's important to rebalance it back and sell some of that to bring you back to an 8% waiting. Okay? And by selling that, you're cementing the gains that that physical gold has seen and reinvesting it back into your super fund. That's part of compounding. It's cementing gains and reinvesting it back in other areas so as it continues to make money and growth.\n\nOkay? Excellent. You've got the cybersecurity, which is the next one down. You're a bit overweighted at the moment. We only wanna hold 5%, so it means we're gonna sell some of that.\n\nThe S and P 500, we only wanna hold 20%. You've got a bit more than that in there at the moment, we're gonna sell a bit of that as well. And then you've also got the Raffi BetaShares Raffi a 200. This is giving you access to some of the top 200 companies on the ASX. You hold about 17.30.\n\nWe only wanna hold 15%, so we're gonna sell some of that to bring you back down a little bit. And then underneath that, Benelon Australian Equities, that's the one that's underperforming. So we're giving that the flick and removing that completely there for you. Uh-huh. Absolutely.\n\nGet out of that. So we're gonna sell all of that off so you no longer have that investment in there. And then the ClearBridge infrastructure income funds, the infrastructure has had a bit of volatility. There has been some changes in the market. That means it is time to remove you out of that investment there as well.\n\nSo we're selling that one completely down. Essentially, once we've made those sales, what you'll see in your portfolio is 8% physical gold, 5% cybersecurity, 20% the S and P 500, so the top 200 companies on the s on the American market, 15% in the Raffy Australian 200. We're then gonna have an ad India, which is the third one from the bottom. So five percent is the India quality ETF, four percent into global health care. So health care is a good area to be invested, and global is giving you access to the entire globe, so diversification.\n\nAnd then we still wanna have some more Australian equities. So we're gonna have the beta shares a 200. So this is, again, another top 200 companies on the ASX, and this is giving you greater diversification. So we already have the Raffy in there, but we're adding this investment. So you you're not overweight in any one particular investment.\n\nIt does diversify across the Australian market, which is great, but it is giving you greater diversification, which helps to lower the risk of your portfolio as well, which is really important because just because you're in growth doesn't mean you wanna have huge amounts of risk. You still wanna mitigate whatever risk you possibly can. So this does that. And that then along Australian Equities investment, that investment manager held between 15 to 25 different investments. So we're selling that off.\n\nIt's underperforming and moving you into an investment that gives you access to the top 200 companies on the ASX for greater diversification, and it's cheaper investment. So it's it means it's less fees going out to the investment managers. Okay? Excellent. Yeah.\n\nAnd then the next page, you've got the the last three, the JPMorgan Global Research Enhanced Equity Fund. Now this is giving you just a little bit of an actively managed fund in there. It is essentially giving you global exposure to equities across the entire globe, but JPMorgan's research team essentially choose what to invest in within this one, and it's actually a very good investment. It's a past it's a a low cost active management investment option and has done very, very well over the past few years. And then defensive wise, because you're in that growth environment, we still wanna hold around about 20 in defensive investments, like cash bonds and fixed interest, and that's where the iShares Yield plus and the core composite bonds comes into place for you.\n\nSo it'll be giving you about 18% exposure into defensive investments for income producing because we still wanna make sure your portfolio has dividends and income that's paid to your cash account so you can have that reinvested back into your portfolio. Does that make sense? Yeah. It's okay. That is a lot.\n\nI try to sort of go as easy as possible on those investments. But do you have questions? Yeah. Yeah. It's good.\n\nIt's okay. Excellent. Now underneath that, you've also got the cash table. So at the moment, you do have about 10,000 sitting in cash there. That is a little bit too high cash wise, essentially.\n\nYou wanna make sure more money is invested. So we're only gonna hold about 1.25 cash within the fund, and all the rest of it. So a bit over 7,000 needs to be invested back into that portfolio above there for you, so it's working harder. Okay? Yeah.\n\nExcellent. If you go down to the page number 24 for me, this is essentially showing you so we talked about how whilst we're not recommending the draw downs in the retirement aspect, we're gonna give you a little bit of a table that kinda shows where we're tracking for based on the the outcome. We have a couple of ways of doing this, but we've chosen to do it this way because it's a bit clearer for you to read. I also have a table that I can use, but this kind of outlay is a bit clearer. So it essentially shows that at the age of 64, based on the current recommendations, we can project your super balance to be sitting at $476,616.62.\n\nThe next side of it and it kinda projects forward over the next, you know, to pay at $8.01 100, essentially. The next column is basically working on how much income should be produced from that from that portfolio based on a conservative rate of return, and we essentially use about a five to 6% return in those those return year. Sorry. And then we've also got the fees. So the next table outlines the ongoing costs based on the projected balance.\n\nWe do overestimate the fee side of things, but then it's also got how much pension you would need to draw down. So based on your requirement of $2,000 on a fortnightly basis, drawing an income of 31,200 for the year, and then also looking at age pension entitlement when that's open there. And it sort of shows that based on all these factors, the projected outcome, the interest, the fees, the super pension amount that you would wanna draw down, and the fact that you might are going to be eligible for age pension down the track, realistically, all going, your your super balance should last quite a long time. It is showing that it should last quite significantly. I don't think you're gonna have over a million dollars at age 100, but this is just the way the projected table works.\n\nBut, essentially, it does show that you can draw down based on your balance projected at age 65. You can start to draw down your income. You can then access age pension and reduce how much you're gonna need to live on. And your super should definitely last into the eighties and nineties at this point in time. We wanna make sure it lasts even longer that and gives you the best possible outcome, so we wanna keep boosting it.\n\nBut it is showing you that right now, what you're on track for, your super could definitely work and last for you. Okay? Yeah. Beautiful. And it is just a projection table.\n\nI know it goes up, and so I definitely don't think you're gonna have $1,600,000 at 8,100 because the longer you survive, the more you have to actually draw down them. But there's only there's limitations on what we can do with these sorts of projection tables. So we kind of have to work with them. So I would say take it take it with a grain of salt when you're looking at that age because as you get older and older, you are you are also supposed to take more out of sleep on a regular basis, and these are the sorts of things that we'll be able to look at in a lot more detail when you get closer to retirement, essentially. Yeah.\n\nSo it starts at four percent. Yeah. When you get into your nineties, they want you to take, like, 13% of your balance. Yeah. Yeah.\n\nBut, I mean, realistically, most most of us in our nineties are probably in aged care home at that point anyway. So no. No. No. No.\n\nBut, yeah, look, honestly, this does sort of show. And with the research behind it, making the changes does put you in a good position, does keep more money invested. And, realistically, projection wise, your super balance can last, and it can do what you need it to based on where we expect it to be. But I would just like to, you know, keep building on it and get as much as we can into super to provide you with the best possible income in retirement. Because the other side of it is, whilst we start drawing an income of $2,000 per fortnight or $1,000 per week when you first retire, that as you get older, as you wanna travel, as you might wanna buy a new car and do different things, you might need to draw regular or different ad hoc lump sums down on different bases.\n\nSo it's about putting as much as you possibly can in. So, a, you can draw down an income, but so you can also live and take a holiday when you want to. If you wanna buy flights or, you know, hand some money out to your kids or, you know, buy Christmas presents and things like that, you might need ad hoc withdrawals here and there, and that's something else to consider. And the other side of it is your health can change as life gets goes on as well. So then the amount you might need to live on will need to increase.\n\nNot only are you is the requirement to draw out a super increasing, but how much you might need to live on can increase there as well. So those are other factors that we'll have to look at down the track. That's why boosting a super as much as possible now and putting as much as we can in can provide a greater benefit down the track there for you. Does that make sense? Yeah.\n\nBeautiful. But you can sort of see that gives you an idea that we're on track quite nicely, and we'll look at it in a lot more detail next year to see whether you wanna go down that route of that TTR side of things. Okay? Beautiful. It's yeah.\n\nYeah. Mhmm. A lump sum. Yeah. So you've gotta be 60 and fully retired or yeah.\n\nYeah. So once you hit 64 and you fully retire, then you'll have a 100% access to all your money tax free with InsideSuper. You can take your income plus your ad hoc drawdowns as you need them. It'll all be absolutely fine. You can let me know when and if you need things like that before from 64 based on your goal age.\n\nBut the the realistic view is that if you decide at 60 you wanna retire and start your own income, you can. The legislation states that preservation age is 60, so long as you're fully retired, at age 65, regardless of whether you're working or not, they allow access to your money, a 100% of your funds inside super. And from 67, you can apply for the age pension. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nDefinitely. Definitely. Let's maybe table that until March. We'll come back in March and maybe really assess, you know, whether the TTR side of INGS will let we'll look at your I'll see if I can help you get into your myGov account, and we'll look at your carry forward contributions and see, you know, what we can utilize in the past couple of years to maximize your super as much as possible. We could also talk about, you know, the different components and whether we throw more money in nonconcessionally and what that looks like for you.\n\nSo, yeah, I figure we switch the investments now and get things working a little bit. And then in March, we can sit down and go, right. You're nearly 60. What are we wanting to do? How do we want this to play out?\n\nWhat do you have available? What's your catch up contributions look like, and we'll do another nice big plan and kind of build for the retirement aspect from there for you. How does that sound? Yeah? Yep.\n\nBeautiful. In the meantime, you can be popping some money away in your emergency fund just to kinda give you that back up in case something happens up until that point. Yeah. Beautiful. The last thing I wanted to kinda go through with you is if you go down to page 26 for me now this is the beneficiary side of things.\n\nSo your goal was that you wanted to if anything happens to you, and I don't want anything to, I want you to get to retirement and enjoy your money and have a great, you know, twenty or thirty years in retirement or forty years. Essentially, if anything did happen, though, you wanted your super benefit benefit to be paid out to your kids, so to Charlotte and Jessica. Essentially, with the way the super system works and the way beneficiaries are, children are beneficiaries under the CISAT. That is absolutely fine. However, if they're older over the age of 18 or over the age of 25 if they're financial dependent, essentially, if they receive the funds direct from Super, the taxable component, they can pay tax on us up to 17% tax.\n\nSo there's a couple of ways that we can look to reduce this. One is we can look to boost up the tax free benefit of your Super as much as possible because they receive that side of things completely tax free. We can't really change the taxable component currently. We have to wait till you retire to be able to kind of redig that to make it really tax free for them. However, at the moment, what I'm recommending we do is we change your beneficiary nomination.\n\nSo the other way to help reduce the amount of tax that your beneficiaries are expected to pay if they were to receive the funds is to nominate your legal personal representative. Now if we essentially do this, we tick a box on the beneficiary form. And on your super fund and the beneficiary section, they just have legal personal representative exactly as it's nominated here. What that essentially means is is if you were to die tomorrow, you would just need to make sure you have a will in place. And in that will, you would nominate Charlotte and Jessica to receive the 50% of everything, basically.\n\nIf you were then to pass away tomorrow with the claim is made on your super, the money is paid direct to your estate, and then as per the directions in your will, it is all paid out to the beneficiaries. Now it doesn't alleviate the tax wholly because there is still taxation consequences. We still pay tax on money that we've inherited. However, it can alleviate the Medicare levy, the 2% tax that they would have to pay for the Medicare levy. So it does increase the tax free component that they would receive.\n\nIt does mean that they could receive a little bit more money upfront. When we get to retirement age, you and I can readjust a lot of these things and do cash at recontribution strategies and things to make your taxable component as tax free as possible. But for right now, to cover up into the point that you retire, to give your kids the best possible outcome, utilizing the legal personal representative and having your super paid through your estate, through your will, does alleviate some of the tax consequences that they would have to pay. So it does mean that they receive a little bit more money. Does that make sense?\n\nYeah. No. So you just have l p you just have legal personal representatives, and it means your will. It basically is a long version saying your will. Yeah.\n\nSo whenever the Superfund sale sees LPR or legal personal representative, they know that it needs to go to the estate, and they pay it to the estate, and you just need to have your will done up correctly. I believe now we yeah. Yes. Yes. That was one thing we made mention.\n\nYeah. It it is it is important to kind of update. Yeah. Absolutely. It is a good thing to definitely have updated.\n\nBut even if you didn't, as long as, you know, these funds will still be paid for to the estate, and then as part of the the estate planning process, the executive will go, well, as long as we've got all the funds together, it can all be paid out. So it would still work. There's nothing wrong with the way the will is essentially set up, but it is just about eliminating eliminating the amount as much tax as possible on the beneficiaries if they were to receive it. Obviously, the the other side of this is that we set these beneficiary nominations up, and we have things in place. But at the end of the day, we don't want anything to happen to you.\n\nWe want you to get to 64, retire, draw your income, and enjoy your life at the end of the day. So don't really want a estate claim. Yeah. Yeah. We can.\n\nAbsolutely. Absolutely. And when you when you when you fully retire and we have access to all those funds, we can definitely, again, look at doing other strategies where we change your taxable component into tax free component. So there are things that we can do. It's just that we can't do them yeah.\n\nWe just can't do them till you retire because we need access to your money to be able to do them. But there are definitely some fun, cool strategies we can put in place to help you change the benefits and to help you maneuver things like that. It's just about getting you to that retirement phase. So for right now exactly. Exact and that's why I kinda wanted to make this a little bit easier.\n\nSo one step at a time is definitely the right way to go, not to overwhelm you too much. So starting with just altering the investments now, retain everything else as it is, and then in a couple of months' time, we check if that's working for you. Then we come back and we go, right. Now you're turning 60. This is exciting.\n\nWhat do you wanna do? We talk about the TTR. We decide whether you wanna do it or whether you just wanna put more money into super. We try to use catch up contributions in the last couple of years to, you know, provide greater benefit. We talk about whether we use it as catch up contributions or whether we do it nonconcessional to benefit your estate planning process.\n\nAnd then we kinda go from there, then we get to the actual retirement, and we again revisit the estate planning process and the draw downs and how we structure things that way. So it's just a continuous process, but we do it one step at a time. And as we go through that process, we start to reduce risk levels. So right now, your growth, when we come back next year, I'll probably be saying let's let's really consider reducing the risk of it here. Let's start pulling things back a bit for you, and then we'll correct and we'll keep doing that as you get closer to retiring.\n\nThat way, when you do access Fuqua, you're in a more conservative environment. Does that make sense? Yeah. Beautiful. Yeah.\n\nIt's it's a lot. Me too. Me too. So far, it's all been working really nicely, but that's why I do wanna make sure that you and I catch up in December. That way, just before we go away for the Christmas break, we can check-in to say, hey.\n\nThis has been in place for a few months. How's it working? And then we can catch up again, you know, early next year in March to talk about your next side of things. Okay? Perfect.\n\nAll good. Well, I will let you go to that's okay. You're welcome to take that back and have a read to the document. If you do have any questions no. So if you you do.\n\nSo if you decide you're happy with the recommendations, you can sign the document. I just wanna let you know, Maria, you don't have to sign it now. You can take it back and read it first. You don't have to choose. Yes.\n\nAbsolutely. And then once you're happy to sign the document to take on the recommendations, you sign the bottom of it, and it comes back to us, and we will put those in place there for you. Okay? Buying in. It can normally, it's it's honestly not too bad.\n\nIt can be done fairly quickly. Most of the funds, we can sort of buy and sell within about two to three days. It's the Bennelong that takes the longest. So the managed fund that we wanna get you out of because it's underperforming, that can take up to four weeks to fully sell down. So, yeah, if we can try and do that as quickly as possible, that would be great to get you out of it because it is the hardest one to sell down.\n\nIt is. It is. It is. But no. Look.\n\nTake it is. It is. But now look. Take some time to read that over. And once you've read it and you're happy to accept the recommendations, you just sign the bottom of it.\n\nIt comes back to us automatically, and we will start by selling everything down and buying into the new investments for you. Okay. Yeah. That's okay. Do you have any questions?\n\nIs there anything I haven't sorta answered correctly or that you wanted more clarification on? Beautiful. Oh, thank you. Thank you. Thank you.\n\nOh, beautiful. That's really good. Excellent. Thank you. My pleasure.\n\nNot a problem at all. Not a problem at all. Thank you so much. The only other thing to let you know that is that tax file opt in form that we had with the wrong number last time, the the girls have attached it to this document. We thought because we're doing it electronically, we'd attach it all to one for you so you're not signing lots of different electronic documents to make it easier.\n\nSo when you sign the advice, it will automatically prompt you to sign the document as well. Okay. Beautiful. Excellent. And I've got some reading material attached.\n\nI've also got, like, if you're interested, the the product disclosure statements for Hub '24. And I've also got our financial services guide in there as well as an attachment. So if you I probably I think I did. Yeah. I think I did.\n\nBut I attached it to everything, so everyone gets a few copies of those. Just making sure. But no. All good. All good.\n\nThat's okay. Absolutely. Beautiful. Excellent. And I'll make sure we have yeah.\n\nYeah. Absolutely. That's really good. And if you ever get stuck or have questions, you know where I am. You're welcome to email me, call me.\n\nI'll always try to fit you in. Yeah. And I'll make sure we definitely do a catch up in early December. Okay? Thank you, Marie.\n\nYou have a lovely afternoon. Appreciate your time. Thank you. You too. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Maria.","start":3.6799998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.09869469329714775},{"text":"It's Dana.","start":4.3199997,"end":5.12,"sentiment":"neutral","sentiment_score":0.13568908721208572},{"text":"How are you?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.1566323091586431},{"text":"I'm very well.","start":8.48,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5341124435265859},{"text":"Thank you.","start":9.5199995,"end":10.16,"sentiment":"positive","sentiment_score":0.5972974598407745}],"sentiment":"neutral","sentiment_score":0.3112997282296419,"num_words":12,"start":3.6799998,"end":10.16},{"sentences":[{"text":"How's your day being so far?","start":10.16,"end":12.0199995,"sentiment":"neutral","sentiment_score":0.2357800230383873},{"text":"Oh, that's good.","start":14.4,"end":15.7,"sentiment":"positive","sentiment_score":0.48621904850006104},{"text":"That's a good oh, that's really good.","start":16.295,"end":25.255001,"sentiment":"positive","sentiment_score":0.551147324698312},{"text":"I'm glad.","start":25.255001,"end":25.994999,"sentiment":"positive","sentiment_score":0.626250684261322},{"text":"Maria, I had you booked in to go through your updated statement of advice.","start":26.775002,"end":30.135,"sentiment":"neutral","sentiment_score":0.1797692073243005}],"sentiment":"neutral","sentiment_score":0.32814496336504817,"num_words":32,"start":10.16,"end":30.135},{"sentences":[{"text":"Is now still a good time there for you?","start":30.135,"end":32.27,"sentiment":"neutral","sentiment_score":0.15782684667242897},{"text":"Yep.","start":33.61,"end":34.11,"sentiment":"neutral","sentiment_score":0.151969775557518},{"text":"Fantastic.","start":35.37,"end":35.87,"sentiment":"positive","sentiment_score":0.5273579955101013},{"text":"I'm just gonna email it through to you.","start":36.25,"end":38.09,"sentiment":"neutral","sentiment_score":0.23831492476165295},{"text":"Are you able to jump into your emails there at all?","start":38.09,"end":40.75,"sentiment":"neutral","sentiment_score":0.05331788245927204}],"sentiment":"neutral","sentiment_score":0.15309284987548988,"num_words":30,"start":30.135,"end":40.75},{"sentences":[{"text":"Perfect.","start":42.41,"end":42.91,"sentiment":"neutral","sentiment_score":0.2409534454345703},{"text":"Perfect.","start":44.65,"end":45.15,"sentiment":"positive","sentiment_score":0.33775582909584045},{"text":"I've just sent it through now.","start":46.165,"end":47.285,"sentiment":"neutral","sentiment_score":0.1913904349009196},{"text":"It should come through from either OdooSign or Dana or Oakview Financial.","start":47.285,"end":51.465,"sentiment":"neutral","sentiment_score":0.11982060720523198},{"text":"Yeah.","start":58.72,"end":58.96,"sentiment":"neutral","sentiment_score":0.06437163800001144}],"sentiment":"neutral","sentiment_score":0.1537748003999392,"num_words":21,"start":42.41,"end":58.96},{"sentences":[{"text":"Good.","start":58.96,"end":59.46,"sentiment":"neutral","sentiment_score":0.12946274876594543},{"text":"Yeah.","start":59.92,"end":60.42,"sentiment":"neutral","sentiment_score":0.11102139949798584},{"text":"Fantastic.","start":61.2,"end":61.7,"sentiment":"positive","sentiment_score":0.3345707654953003},{"text":"Now before we jump into the call completely and start going through things, just to let you know we do record our calls for quality and training purposes.","start":61.92,"end":67.6,"sentiment":"neutral","sentiment_score":0.12805851389254844},{"text":"Are you happy for me to proceed with that moving forward?","start":67.6,"end":70.1,"sentiment":"neutral","sentiment_score":0.08566115593368356}],"sentiment":"neutral","sentiment_score":0.12149919090526444,"num_words":42,"start":58.96,"end":70.1},{"sentences":[{"text":"Fantastic.","start":71.955,"end":72.455,"sentiment":"positive","sentiment_score":0.37945765256881714},{"text":"And I'll do a really quick security check there for you just to confirm your full name, your date of birth, and address I should have on file.","start":72.595,"end":78.935,"sentiment":"neutral","sentiment_score":0.1188375957842384},{"text":"Yep.","start":82.035,"end":82.535,"sentiment":"neutral","sentiment_score":0.02701534889638424},{"text":"Beautiful.","start":89.76,"end":90.26,"sentiment":"positive","sentiment_score":0.3823969662189483},{"text":"Thank you so much for that.","start":90.4,"end":92.18,"sentiment":"positive","sentiment_score":0.509603425860405}],"sentiment":"neutral","sentiment_score":0.1938903568866285,"num_words":37,"start":71.955,"end":92.18},{"sentences":[{"text":"Now with that email, you should see there if you press the button that says sign here, it lets you go forward so you can see the advice document.","start":92.799995,"end":100.02,"sentiment":"neutral","sentiment_score":0.15730833904496555},{"text":"Yep.","start":101.325005,"end":101.825005,"sentiment":"neutral","sentiment_score":0.06230916827917099},{"text":"And on the front page, you should see statement of advice prepared for Maria Bilkert as of the 08/24/2026.","start":102.445,"end":109.825005,"sentiment":"neutral","sentiment_score":0.059569175894323145},{"text":"Yep.","start":111.485,"end":111.885,"sentiment":"neutral","sentiment_score":0.32973363995552063},{"text":"Beautiful.","start":111.885,"end":112.365005,"sentiment":"positive","sentiment_score":0.736823320388794}],"sentiment":"neutral","sentiment_score":0.13377690790038482,"num_words":51,"start":92.799995,"end":112.365005},{"sentences":[{"text":"On the bottom of that same front page, you've got all prepared for Dana Taylor.","start":112.365005,"end":116.35,"sentiment":"neutral","sentiment_score":0.22156735161940258},{"text":"So my details there has been prepared for my lovely team here, and my representative number is 1304394.","start":116.35,"end":123.78999,"sentiment":"neutral","sentiment_score":0.2278538876109653},{"text":"Okay?","start":123.78999,"end":124.28999,"sentiment":"neutral","sentiment_score":0.09152275323867798},{"text":"Fantastic.","start":125.39,"end":125.89,"sentiment":"positive","sentiment_score":0.6848037242889404},{"text":"If we scroll forward, the next page is just noting the best interest duty.","start":126.925,"end":130.285,"sentiment":"neutral","sentiment_score":0.15947953185864858}],"sentiment":"neutral","sentiment_score":0.2129371464252472,"num_words":49,"start":112.365005,"end":130.285},{"sentences":[{"text":"So just making sure that we're providing advice under the best interest duty, which is part of the corporations act.","start":130.285,"end":135.985,"sentiment":"neutral","sentiment_score":0.12907285429537296},{"text":"Then we've got the contents page, and then we've got areas that we're scoping in and out with regards to the advice there.","start":137.245,"end":145.34,"sentiment":"neutral","sentiment_score":0.05617175542789957},{"text":"So we're scoping in areas of superannuation.","start":145.34,"end":148.07999,"sentiment":"neutral","sentiment_score":0.05783627927303314},{"text":"Essentially, you're wanting to retire fully by age 64 and then access the age pension at 67.","start":148.78,"end":154.64,"sentiment":"neutral","sentiment_score":0.06731865357826738},{"text":"So we're looking at updating the investments within the portfolio currently removing anything that's underperforming to make sure it is working better towards your retirement goals.","start":154.755,"end":163.475,"sentiment":"neutral","sentiment_score":0.0697715412825346}],"sentiment":"neutral","sentiment_score":0.07781439354663254,"num_words":93,"start":130.285,"end":163.475},{"sentences":[{"text":"And we've also got on the next page there areas that we scoped into a limited extent.","start":163.475,"end":170.31999,"sentiment":"neutral","sentiment_score":0.029276805765488568},{"text":"So, essentially, because you are a little bit away from 64, we're not recommending a drawdown or how the the pension side is going to work yet.","start":170.31999,"end":178.08,"sentiment":"neutral","sentiment_score":-0.12470327552270007},{"text":"But what we've done is we've projected forward to show you essentially based on the current recommendations what that should look like based on your current circumstances for you, just to give you a bit of a guide and an update on where we're tracking for, and then we kinda review that moving forward.","start":178.08,"end":194.255,"sentiment":"neutral","sentiment_score":0.1268630047087316},{"text":"When you get to retirement, then we'll definitely look at drawdowns and how that looks and how you should be able to withdraw funds on a on a more in-depth basis.","start":194.255,"end":202.61,"sentiment":"neutral","sentiment_score":0.0710516240327589},{"text":"Okay?","start":202.75,"end":203.25,"sentiment":"neutral","sentiment_score":0.01624143496155739}],"sentiment":"neutral","sentiment_score":0.04769354840883842,"num_words":130,"start":163.475,"end":203.25},{"sentences":[{"text":"It depends yeah.","start":208.19,"end":210.03,"sentiment":"neutral","sentiment_score":-0.05665115763743719},{"text":"So we're gonna do that.","start":210.03,"end":211.23,"sentiment":"neutral","sentiment_score":-0.008904444985091686},{"text":"We're gonna look at the TTR strategy.","start":211.23,"end":212.995,"sentiment":"neutral","sentiment_score":0.03315663018396923},{"text":"So we talked about that transition retirement strategy, and we're gonna sort of meet around about March next year to look at getting that in place ready for your sixtieth birthday so we can kind of look at what to do moving forward for you and how that can benefit you down the track as well.","start":212.995,"end":228.05,"sentiment":"neutral","sentiment_score":0.28977998312828795},{"text":"Okay?","start":228.05,"end":228.55,"sentiment":"neutral","sentiment_score":0.1406475454568863}],"sentiment":"neutral","sentiment_score":0.2275826015845976,"num_words":72,"start":208.19,"end":228.55},{"sentences":[{"text":"So with the you can, but you do have to physically retire.","start":232.84999,"end":237.65,"sentiment":"neutral","sentiment_score":-0.03209628389837841},{"text":"So in order to access so far, you have to be fully retired.","start":237.65,"end":241.03,"sentiment":"neutral","sentiment_score":0.027605367108033255},{"text":"That is why being able to do this transfer time strategy works well.","start":241.83499,"end":247.435,"sentiment":"positive","sentiment_score":0.35525690821500927},{"text":"So with a TTR strategy, you're increasing your contributions into the savings system as much as we can up to the cap.","start":247.435,"end":254.495,"sentiment":"neutral","sentiment_score":0.33063035390593787},{"text":"And then because that reduced your take home pay, we start to draw a little bit out of super.","start":254.6,"end":259.82,"sentiment":"neutral","sentiment_score":0.09975223498124826}],"sentiment":"neutral","sentiment_score":0.17419258763282736,"num_words":79,"start":232.84999,"end":259.82},{"sentences":[{"text":"There's a bit of a loophole within the super system where with that TTR strategy, we can access up to 10% of your super balance or of the balance we transfer into pension phase.","start":260.04,"end":269.98,"sentiment":"neutral","sentiment_score":0.014613327844177975},{"text":"So we'll be able to yeah.","start":270.22498,"end":272.625,"sentiment":"neutral","sentiment_score":0.12254586070775986},{"text":"So with that strategy, you increase your contributions in the super as much as you can up to the cap, and then we replenish your take home pay by drawing some of that out of the pension account for you.","start":272.625,"end":283.26498,"sentiment":"neutral","sentiment_score":0.23920943289995195},{"text":"So your take home pay should stay about the same.","start":283.26498,"end":285.685,"sentiment":"neutral","sentiment_score":0.3137071430683136},{"text":"You get to, as an advantage, reduce your take reduce your taxable the income tax you pay and be putting as much as you possibly can into super as a last little, you know, boost towards your super.","start":286.04,"end":299.26,"sentiment":"neutral","sentiment_score":0.3055278119680129}],"sentiment":"neutral","sentiment_score":0.19959088994073682,"num_words":128,"start":260.04,"end":299.26},{"sentences":[{"text":"Yeah.","start":302.605,"end":303.105,"sentiment":"neutral","sentiment_score":0.05358937755227089},{"text":"Mhmm.","start":309.64502,"end":310.14502,"sentiment":"neutral","sentiment_score":0.026667103171348572},{"text":"Yeah.","start":311.08502,"end":311.405,"sentiment":"neutral","sentiment_score":0.03877384960651398},{"text":"We talked about the yeah.","start":311.405,"end":313.37,"sentiment":"neutral","sentiment_score":0.03216591887176037},{"text":"So we talked about meeting in March to do it in March because your birthday is in June.","start":313.37,"end":317.53,"sentiment":"neutral","sentiment_score":0.09165010932419035}],"sentiment":"neutral","sentiment_score":0.07421391894324468,"num_words":26,"start":302.605,"end":317.53},{"sentences":[{"text":"So if we sort of meet in March, we've got some time to do up the advice and get that ready.","start":317.53,"end":321.53,"sentiment":"neutral","sentiment_score":0.13023271872883752},{"text":"So in June, when you have your birthday, then we can kind of look at doing that TTR strategy and having it in place then for you.","start":321.53,"end":328.995,"sentiment":"neutral","sentiment_score":0.1404867369543623},{"text":"Yeah.","start":330.495,"end":330.995,"sentiment":"neutral","sentiment_score":0.06790599972009659},{"text":"It's a little bit complex.","start":332.095,"end":333.695,"sentiment":"neutral","sentiment_score":0.1525963008403778},{"text":"So when we get to that point, I'll be able to show it to you in person, show you the numbers so you can kinda break it down.","start":333.695,"end":339.795,"sentiment":"neutral","sentiment_score":0.08145917446485587}],"sentiment":"neutral","sentiment_score":0.11755821195135756,"num_words":82,"start":317.53,"end":339.795},{"sentences":[{"text":"But, yeah, it's actually kinda really cool because you're allowed to access up to 10% of the pension balance.","start":340.66,"end":345.62,"sentiment":"positive","sentiment_score":0.4755752667000419},{"text":"So say, as an example, if you've got 200,000 in super and you've got more than that.","start":345.62,"end":350.02,"sentiment":"neutral","sentiment_score":0.2152715868809644},{"text":"But just as an example, if you've got 200,000 in super, we move a 190,000 across into the the TTR pension account.","start":350.02,"end":359.855,"sentiment":"neutral","sentiment_score":0.17385892400687392},{"text":"We're then allowed to access 10% of that balance for the year for the financial year.","start":360.39502,"end":365.05502,"sentiment":"neutral","sentiment_score":0.2579228077083826},{"text":"And then that sort of is drawn down to replenish your income, and then we put more money in the super.","start":365.915,"end":371.89,"sentiment":"neutral","sentiment_score":0.1177852288598106}],"sentiment":"neutral","sentiment_score":0.24337576949282697,"num_words":95,"start":340.66,"end":371.89},{"sentences":[{"text":"So if you're on you know, you're in a 75% income tax bracket, you're paying 3232% tax.","start":371.89,"end":381.11002,"sentiment":"neutral","sentiment_score":0.10027403209139318},{"text":"That money that goes into super is only taxed at 15% as opposed to your marginal tax rate of 32%.","start":381.785,"end":388.185,"sentiment":"neutral","sentiment_score":0.08932310231029987},{"text":"So the idea is to put more money in the super where it is taxed lower than your marginal tax rate, and then we're able to draw a little bit out of the out of the super system for to replenish your income.","start":388.185,"end":399.55,"sentiment":"neutral","sentiment_score":0.18340951914704123},{"text":"And the amount you're drawing out of the super system to replenish your income is tax free.","start":399.55,"end":404.12997,"sentiment":"neutral","sentiment_score":0.1954805701971054},{"text":"So you're basically keeping your take home pay exactly the same, putting more money into super, and drawing a little bit out to replenish your income.","start":404.43,"end":412.48502,"sentiment":"neutral","sentiment_score":0.1703471764922142}],"sentiment":"neutral","sentiment_score":0.15552785526203916,"num_words":123,"start":371.89,"end":412.48502},{"sentences":[{"text":"It works really cool.","start":412.48502,"end":413.685,"sentiment":"positive","sentiment_score":0.5727054178714752},{"text":"I'll show you what it looks like when we get to that point to make it easier.","start":413.685,"end":416.665,"sentiment":"neutral","sentiment_score":0.3278718818636501},{"text":"Yeah.","start":416.965,"end":417.465,"sentiment":"neutral","sentiment_score":0.05791763216257095},{"text":"Yeah.","start":419.845,"end":420.345,"sentiment":"neutral","sentiment_score":0.03940530493855477},{"text":"Mhmm.","start":425.43,"end":425.93,"sentiment":"neutral","sentiment_score":0.022731374949216843}],"sentiment":"neutral","sentiment_score":0.332695748967429,"num_words":24,"start":412.48502,"end":425.93},{"sentences":[{"text":"Yeah.","start":429.66998,"end":430.06998,"sentiment":"neutral","sentiment_score":0.014017453417181969},{"text":"Yeah.","start":430.06998,"end":430.56998,"sentiment":"neutral","sentiment_score":0.007685965858399868},{"text":"Yeah.","start":432.78998,"end":433.19,"sentiment":"neutral","sentiment_score":0.01305045560002327},{"text":"As long as you've got cap space, as long yeah.","start":433.19,"end":435.34998,"sentiment":"neutral","sentiment_score":0.006457621604204178},{"text":"As long as you've got some cap space left concessionally, or we can look at it non we can also look at it nonconcessional.","start":435.34998,"end":441.185,"sentiment":"neutral","sentiment_score":0.02180664479965344}],"sentiment":"neutral","sentiment_score":0.01682944773268458,"num_words":37,"start":429.66998,"end":441.185},{"sentences":[{"text":"So, like, you put that last little bit of money in nonconcessional as well.","start":441.48502,"end":444.92502,"sentiment":"neutral","sentiment_score":0.048653406623218744},{"text":"We can also look at doing it that way, but you can put money back in the super.","start":444.92502,"end":448.765,"sentiment":"neutral","sentiment_score":0.0985870464808411},{"text":"Absolutely.","start":448.765,"end":449.265,"sentiment":"neutral","sentiment_score":0.23284639418125153},{"text":"Yeah.","start":451.68997,"end":452.18997,"sentiment":"neutral","sentiment_score":0.04852953553199768},{"text":"Yeah.","start":452.56998,"end":453.06998,"sentiment":"neutral","sentiment_score":0.030347641557455063}],"sentiment":"neutral","sentiment_score":0.07906966001859733,"num_words":35,"start":441.48502,"end":453.06998},{"sentences":[{"text":"Yeah.","start":453.37,"end":453.87,"sentiment":"neutral","sentiment_score":0.03740212321281433},{"text":"Well, the idea is you're putting well, you're putting more money in the taking out.","start":454.49,"end":458.65,"sentiment":"neutral","sentiment_score":0.08687065616250038},{"text":"So, theoretically, if you're putting an extra $6,000 a year in the super, you should be able to draw less than that out to replenish your income.","start":458.65,"end":465.905,"sentiment":"neutral","sentiment_score":0.10753989578397186},{"text":"So just that strategy alone means that you are putting more money in the super to kinda boost your super, provide a greater effect, and what you're drawing out isn't as much as you're putting in.","start":465.905,"end":476.645,"sentiment":"neutral","sentiment_score":0.11489323547316922},{"text":"It is a little bit complex.","start":476.75,"end":478.27002,"sentiment":"neutral","sentiment_score":-0.06779169477522373}],"sentiment":"neutral","sentiment_score":0.09380524070823894,"num_words":85,"start":453.37,"end":478.27002},{"sentences":[{"text":"So when we kind of meet in June I can even send you a little bit of an email after the call today if you like just as an example as a bit of a breakdown so you can kind of run your eyes over it.","start":478.27002,"end":489.195,"sentiment":"neutral","sentiment_score":0.012399847224435729},{"text":"And then when we when we kind of meet in March to sort of put the strategy in place prior to you turning 60 in June, we can kinda go through in a bit more detail then for you.","start":489.67502,"end":499.515,"sentiment":"neutral","sentiment_score":0.047228725197223514},{"text":"How does that sound?","start":499.515,"end":500.575,"sentiment":"neutral","sentiment_score":0.16285737231373787},{"text":"Yeah.","start":500.715,"end":501.215,"sentiment":"neutral","sentiment_score":0.0946378856897354},{"text":"Beautiful.","start":501.435,"end":501.935,"sentiment":"positive","sentiment_score":0.4183822572231293}],"sentiment":"neutral","sentiment_score":0.039305086672347,"num_words":91,"start":478.27002,"end":501.935},{"sentences":[{"text":"Excellent.","start":504.24,"end":504.74,"sentiment":"positive","sentiment_score":0.3874209225177765},{"text":"If you go down to page number seven for me, now this has got the about you section with all of your details.","start":505.12,"end":510.74,"sentiment":"neutral","sentiment_score":0.07963335805613062},{"text":"Can you just reconfirm if there's been any major changes in your circumstances since we last spoke?","start":510.8,"end":516.525,"sentiment":"neutral","sentiment_score":-0.012141299707924618},{"text":"Okay.","start":523.645,"end":524.145,"sentiment":"neutral","sentiment_score":-0.07223276793956757},{"text":"Okay.","start":532.02997,"end":532.35,"sentiment":"neutral","sentiment_score":-0.020827781409025192}],"sentiment":"neutral","sentiment_score":0.04464012821919696,"num_words":43,"start":504.24,"end":532.35},{"sentences":[{"text":"About sixty thousand.","start":532.35,"end":533.73,"sentiment":"neutral","sentiment_score":-0.028422313431898754},{"text":"Yep.","start":533.79,"end":534.29,"sentiment":"neutral","sentiment_score":0.004829311743378639},{"text":"No.","start":534.99,"end":535.23,"sentiment":"neutral","sentiment_score":-0.026687126606702805},{"text":"That's okay.","start":535.23,"end":536.13,"sentiment":"neutral","sentiment_score":-0.015161749906837938},{"text":"Yep.","start":537.79,"end":538.29,"sentiment":"neutral","sentiment_score":0.01015807967633009}],"sentiment":"neutral","sentiment_score":-0.015911271912045777,"num_words":8,"start":532.35,"end":538.29},{"sentences":[{"text":"Beautiful.","start":541.63,"end":542.13,"sentiment":"positive","sentiment_score":0.6059870719909668},{"text":"Fantastic.","start":542.35,"end":542.85,"sentiment":"positive","sentiment_score":0.575003981590271},{"text":"I'll just update that in the back end for you.","start":542.91,"end":545.39,"sentiment":"neutral","sentiment_score":0.293514122068882},{"text":"Fantastic.","start":545.39,"end":545.89,"sentiment":"positive","sentiment_score":0.8416348695755005},{"text":"Excellent.","start":547.785,"end":548.265,"sentiment":"positive","sentiment_score":0.7414137721061707}],"sentiment":"positive","sentiment_score":0.4070843511394092,"num_words":14,"start":541.63,"end":548.265},{"sentences":[{"text":"And on the next you're right.","start":548.265,"end":550.265,"sentiment":"neutral","sentiment_score":0.18688314283887544},{"text":"On the next page is your assets and liabilities.","start":550.265,"end":552.425,"sentiment":"neutral","sentiment_score":0.0516133416030142},{"text":"Is there any major changes to that you'd like me to update as well?","start":552.425,"end":555.805,"sentiment":"neutral","sentiment_score":0.035960233371172635},{"text":"Mhmm.","start":559.385,"end":559.83,"sentiment":"neutral","sentiment_score":-0.01171030756086111},{"text":"Yeah.","start":566.79004,"end":567.29004,"sentiment":"neutral","sentiment_score":0.00769125297665596}],"sentiment":"neutral","sentiment_score":0.06726590787330942,"num_words":31,"start":548.265,"end":567.29004},{"sentences":[{"text":"Well, you sorta wanted to have well, not really.","start":575.415,"end":580.055,"sentiment":"neutral","sentiment_score":-0.029419584820667904},{"text":"Because if you retire at 64, we can definitely draw some funds out of super.","start":580.055,"end":584.235,"sentiment":"neutral","sentiment_score":-0.12120856245358785},{"text":"So, yeah, I would probably just be keeping your emergency fund as a bit of an emergency fund.","start":584.375,"end":591.63995,"sentiment":"neutral","sentiment_score":0.0241396174662643},{"text":"Because, realistically, when you get to 64, what I would like to be able to do is just before you get to that point you decide you wanna retire, you can tell me when that point comes.","start":592.01996,"end":602.36,"sentiment":"neutral","sentiment_score":0.02620479026557626},{"text":"We'll look at what your look at your your income side of things.","start":602.42,"end":605.335,"sentiment":"neutral","sentiment_score":0.03545812517404556}],"sentiment":"neutral","sentiment_score":-0.0023680295511756253,"num_words":92,"start":575.415,"end":605.335},{"sentences":[{"text":"We'll look at what you have in super and look at how we draw down that $2,000 per week sorry, per fortnight.","start":605.335,"end":611.035,"sentiment":"neutral","sentiment_score":0.022028055296025494},{"text":"And then when you get to 67 and we apply for the age pension, then we can draw back on how much you draw out of super.","start":611.975,"end":618.615,"sentiment":"neutral","sentiment_score":0.014119526647307255},{"text":"So, theoretically, from 64 to 67, you're drawing the full amount of income, that $2,000 per fortnight to to keep you keep your living expenses sorted.","start":618.615,"end":628.75,"sentiment":"neutral","sentiment_score":0.057330651566959344},{"text":"And then when you get to, yeah, then when you get to the age pension age, then we apply for age pension.","start":628.97,"end":634.885,"sentiment":"neutral","sentiment_score":0.021295491225001486},{"text":"If you're eligible for the full pension, then we supplement that with super, and we just reduce how much we're drawing out of super to replenish your income.","start":634.885,"end":642.805,"sentiment":"neutral","sentiment_score":0.035257535853556225}],"sentiment":"neutral","sentiment_score":0.030497225500643252,"num_words":125,"start":605.335,"end":642.805},{"sentences":[{"text":"Does that make sense?","start":642.805,"end":643.865,"sentiment":"neutral","sentiment_score":0.034702768083661795},{"text":"Yeah.","start":645.76495,"end":646.26495,"sentiment":"neutral","sentiment_score":0.025318603962659836},{"text":"Yeah.","start":655.27,"end":655.77,"sentiment":"neutral","sentiment_score":-0.008723698556423187},{"text":"Yeah.","start":657.67,"end":658.17,"sentiment":"neutral","sentiment_score":-0.009028700180351734},{"text":"Yeah.","start":660.225,"end":660.705,"sentiment":"neutral","sentiment_score":0.00009634345769882202}],"sentiment":"neutral","sentiment_score":0.018309202627278864,"num_words":8,"start":642.805,"end":660.705},{"sentences":[{"text":"Yeah.","start":660.705,"end":661.205,"sentiment":"neutral","sentiment_score":-0.027230164036154747},{"text":"No.","start":668.945,"end":669.445,"sentiment":"neutral","sentiment_score":-0.14513780176639557},{"text":"Yeah.","start":671.585,"end":672.085,"sentiment":"neutral","sentiment_score":-0.0845501497387886},{"text":"No.","start":673.23004,"end":673.47003,"sentiment":"neutral","sentiment_score":-0.1058143675327301},{"text":"That's okay.","start":673.47003,"end":674.37,"sentiment":"neutral","sentiment_score":-0.05420246161520481}],"sentiment":"neutral","sentiment_score":-0.07852290105074644,"num_words":6,"start":660.705,"end":674.37},{"sentences":[{"text":"Absolutely.","start":676.11005,"end":676.61005,"sentiment":"neutral","sentiment_score":0.11029775440692902},{"text":"No.","start":677.39,"end":677.71,"sentiment":"neutral","sentiment_score":0.1021205484867096},{"text":"Look.","start":677.71,"end":677.87,"sentiment":"neutral","sentiment_score":0.25390559434890747},{"text":"Honestly, you're doing a really good job, and Super is working and building really, really nicely.","start":677.87,"end":682.13,"sentiment":"positive","sentiment_score":0.7085346430540085},{"text":"I will let you go back to read the document after because it can be a lot to go through with me.","start":682.83,"end":687.15497,"sentiment":"neutral","sentiment_score":0.08550435939634388}],"sentiment":"positive","sentiment_score":0.33375546567868897,"num_words":41,"start":676.11005,"end":687.15497},{"sentences":[{"text":"But if I can get you to go down to page number 19 for me, I'll essentially take you through the main recommendations for this one.","start":687.15497,"end":694.055,"sentiment":"neutral","sentiment_score":0.047996625590782896},{"text":"Has been.","start":699.555,"end":700.27496,"sentiment":"neutral","sentiment_score":0.08226194977760315},{"text":"Yes.","start":700.27496,"end":700.755,"sentiment":"neutral","sentiment_score":0.05787444487214088},{"text":"Yes.","start":700.755,"end":701.255,"sentiment":"neutral","sentiment_score":0.05147240310907364},{"text":"That's the one.","start":706.37,"end":707.41,"sentiment":"neutral","sentiment_score":0.1271037037173907}],"sentiment":"neutral","sentiment_score":0.05766951891057419,"num_words":33,"start":687.15497,"end":707.41},{"sentences":[{"text":"Beautiful.","start":707.41,"end":707.91,"sentiment":"positive","sentiment_score":0.4264644980430603},{"text":"So now you'll see this is the fee comparison table.","start":708.69,"end":711.49,"sentiment":"neutral","sentiment_score":0.12678164318203927},{"text":"It's essentially showing your current scenario versus what I'm recommending for you.","start":711.49,"end":715.33,"sentiment":"neutral","sentiment_score":0.09898463574548562},{"text":"So at the moment, within HUD '24, your current super balance, you got 244,427.","start":715.33,"end":721.905,"sentiment":"neutral","sentiment_score":0.0644412205687591},{"text":"From that, you're paying administration fees, investment fees.","start":722.28503,"end":725.405,"sentiment":"neutral","sentiment_score":0.06226611835882068}],"sentiment":"neutral","sentiment_score":0.09516450208094385,"num_words":45,"start":707.41,"end":725.405},{"sentences":[{"text":"The ongoing service fee for us is also being deducted out, and contributions are essentially going in.","start":725.405,"end":730.84503,"sentiment":"neutral","sentiment_score":0.08732194059035357},{"text":"You've got salary sacrifice there, and you've also made some non concessional contributions.","start":730.84503,"end":734.82996,"sentiment":"neutral","sentiment_score":0.11040491782701932},{"text":"So your contributions have been going in ad hoc and regularly to to provide that boost for you.","start":735.05,"end":741.23,"sentiment":"neutral","sentiment_score":0.2197756783829795},{"text":"You don't have any insurance premiums currently, which is okay, and then you've also got a growth portfolio.","start":741.44995,"end":748.045,"sentiment":"neutral","sentiment_score":0.08440795085496372},{"text":"So we sort of talked about the risk profile side of things, and you wanted to stay in that higher sort of growth environment for the next sort of twelve months.","start":748.185,"end":756.265,"sentiment":"neutral","sentiment_score":0.051906243086822575}],"sentiment":"neutral","sentiment_score":0.10313542045115195,"num_words":97,"start":725.405,"end":756.265},{"sentences":[{"text":"And then next year, when we go into that TTR phase and we sort of transition into retirement from there, then we agreed to sort of look at reducing that back.","start":756.265,"end":764.85,"sentiment":"neutral","sentiment_score":0.03712010485751013},{"text":"Does that still sound appropriate to you?","start":764.85,"end":767.02997,"sentiment":"neutral","sentiment_score":0.06915629867996488},{"text":"Honest honestly, I wouldn't be looking at reducing your risk level with the volatility out there.","start":773.115,"end":778.315,"sentiment":"neutral","sentiment_score":-0.15307138999924064},{"text":"Putting you know, going more high growth means that you are increasing the risk level, which does mean that when the market goes down, you're gonna feel that as well.","start":778.315,"end":786.96,"sentiment":"neutral","sentiment_score":-0.08665256140132745},{"text":"And if you are wanting to start that TTR at that point, we have increased the risk, then you do risk as as starting to access those funds and in starting that transition sort of retirement phase right when the market is down, which could have a a worse effect for you.","start":786.96,"end":801.91504,"sentiment":"neutral","sentiment_score":-0.1559310807989767}],"sentiment":"neutral","sentiment_score":-0.08472292604582275,"num_words":136,"start":756.265,"end":801.91504},{"sentences":[{"text":"So, realistically, we wanna kinda start reducing our risk level.","start":801.91504,"end":805.835,"sentiment":"neutral","sentiment_score":-0.060168958455324176},{"text":"We don't wanna be increasing it as we get closer to accessing super.","start":805.835,"end":809.615,"sentiment":"neutral","sentiment_score":-0.08462369613922559},{"text":"So staying where you are right now is fine.","start":810.315,"end":812.555,"sentiment":"neutral","sentiment_score":0.16768716441260445},{"text":"I would wanna do another catch up.","start":812.555,"end":814.155,"sentiment":"neutral","sentiment_score":0.14400094002485275},{"text":"So I'll do another probably catch up with you around about December just before we go away for the Christmas break.","start":814.155,"end":819.58997,"sentiment":"neutral","sentiment_score":0.12204351737385705}],"sentiment":"neutral","sentiment_score":0.05630512150625388,"num_words":60,"start":801.91504,"end":819.58997},{"sentences":[{"text":"And then when they come back from Christmas break, we can do another catch up and really look at the strategy for that transition retirement phase next year for you.","start":819.64996,"end":827.57,"sentiment":"neutral","sentiment_score":0.09597074314951896},{"text":"Does that sound okay?","start":827.57,"end":828.79,"sentiment":"neutral","sentiment_score":0.12356958724558353},{"text":"Beautiful.","start":830.745,"end":831.245,"sentiment":"positive","sentiment_score":0.5487830638885498},{"text":"Now when we sort of look at the five year rolling average, the current portfolio you're in, the research shows, it's averaged about 9.63% over the last sort of five years, which is not a bad return.","start":831.705,"end":842.445,"sentiment":"neutral","sentiment_score":0.19019469316746737},{"text":"How with the recommendations, which is the second column, I am recommending you retain hub twenty four.","start":843.2,"end":848.48004,"sentiment":"neutral","sentiment_score":0.14365707688471852}],"sentiment":"neutral","sentiment_score":0.15057929956846022,"num_words":89,"start":819.64996,"end":848.48004},{"sentences":[{"text":"I do, as part of my research, look at hub twenty four as a fund as well as any other super funds out there.","start":848.48004,"end":853.78,"sentiment":"neutral","sentiment_score":0.15560425693790117},{"text":"I did recommend retaining the fund you're in because if we look to sell down your entire portfolio, there is a much greater capital gains effect there for you.","start":854.16003,"end":862.795,"sentiment":"neutral","sentiment_score":0.18827012977723417},{"text":"So it's essentially your super fund just like you does a tax return every year, And if we had to trigger the full sell down and move all of your funds to another platform, it would have triggered a capital gains effective over $5,800.","start":862.795,"end":876.78,"sentiment":"neutral","sentiment_score":0.014080749782310291},{"text":"And we don't wanna do that because whilst you are contributing and getting growth, it means your fund has to make that money back.","start":876.78,"end":883.395,"sentiment":"neutral","sentiment_score":-0.12226853892207146},{"text":"So if we can retain the super fund you're in, so long as it's a fine super fund, there's nothing wrong with hub twenty four.","start":883.395,"end":889.47504,"sentiment":"neutral","sentiment_score":0.1495215865969658}],"sentiment":"neutral","sentiment_score":0.07272249076209247,"num_words":146,"start":848.48004,"end":889.47504},{"sentences":[{"text":"There's no changes that require it to be moved anywhere else at the moment.","start":889.47504,"end":893.17505,"sentiment":"neutral","sentiment_score":0.0005849692970514303},{"text":"Then we can make the switches or change the investments without having such a big CDT effect for your super.","start":893.79504,"end":900.16003,"sentiment":"neutral","sentiment_score":0.0682444604113698},{"text":"Does that make sense?","start":900.16003,"end":901.3,"sentiment":"neutral","sentiment_score":0.05849122628569603},{"text":"That's okay.","start":903.12,"end":903.94,"sentiment":"neutral","sentiment_score":0.23794279992580414},{"text":"So when we look at the changes, and I'll take you through those in a second, you'll see in the differences column there the $229.","start":904.24,"end":911.04,"sentiment":"neutral","sentiment_score":0.05510836511850357}],"sentiment":"neutral","sentiment_score":0.053240590943739965,"num_words":65,"start":889.47504,"end":911.04},{"sentences":[{"text":"Can you see that on the top line?","start":911.04,"end":912.74,"sentiment":"neutral","sentiment_score":0.02348783053457737},{"text":"Yep.","start":914.785,"end":915.285,"sentiment":"neutral","sentiment_score":0.11655394732952118},{"text":"Beautiful.","start":915.345,"end":915.825,"sentiment":"positive","sentiment_score":0.38667556643486023},{"text":"That's essentially the capital gains effect your super fund is gonna need to account for.","start":915.825,"end":919.985,"sentiment":"neutral","sentiment_score":0.12573419511318207},{"text":"So we are switching some of the investments around, but when we were looking at doing that with the research, we wanted to minimize the CDT effect for your super funds.","start":919.985,"end":929.23,"sentiment":"neutral","sentiment_score":0.03498165075096392}],"sentiment":"neutral","sentiment_score":0.06538529032176095,"num_words":56,"start":911.04,"end":929.23},{"sentences":[{"text":"So with the changes I'll take you through, it essentially means that your super fund is only gonna have to pay capital gains of around about $229, much nicer than 5,800.","start":929.23,"end":940.29,"sentiment":"neutral","sentiment_score":0.12883778192823933},{"text":"Within the super fund, there's no change to the administration fees.","start":943.125,"end":946.485,"sentiment":"neutral","sentiment_score":0.1571272828362205},{"text":"They will stay exactly the same because you're staying within Hub there.","start":946.485,"end":949.925,"sentiment":"neutral","sentiment_score":0.2431953897078832},{"text":"However, the new investment portfolio is actually cheaper.","start":949.925,"end":953.065,"sentiment":"neutral","sentiment_score":0.26440442353487015},{"text":"You're currently paying 1,244 for the investment fees.","start":953.43,"end":956.87,"sentiment":"neutral","sentiment_score":0.2309336792677641}],"sentiment":"neutral","sentiment_score":0.18004886928413597,"num_words":70,"start":929.23,"end":956.87},{"sentences":[{"text":"With the newer portfolio, it's reducing it to 652 for the first year.","start":956.87,"end":961.51,"sentiment":"neutral","sentiment_score":0.3029025368965589},{"text":"So it's a saving of $592 for investment fees, which is good.","start":961.51,"end":965.775,"sentiment":"positive","sentiment_score":0.3939448967576027},{"text":"That's more money that stays in your super fund working harder for you.","start":965.935,"end":969.61505,"sentiment":"positive","sentiment_score":0.4507778011835538},{"text":"Does that make sense?","start":969.61505,"end":970.67505,"sentiment":"neutral","sentiment_score":0.13672679662704468},{"text":"Yeah.","start":971.135,"end":971.635,"sentiment":"neutral","sentiment_score":0.12080053240060806}],"sentiment":"positive","sentiment_score":0.35332304360561595,"num_words":43,"start":956.87,"end":971.635},{"sentences":[{"text":"Beautiful.","start":972.495,"end":972.995,"sentiment":"neutral","sentiment_score":0.08422791957855225},{"text":"The ongoing service fee remains essentially the same.","start":973.29504,"end":976.015,"sentiment":"neutral","sentiment_score":0.03695632331073284},{"text":"It is a percentage based fee that that will sort of change next year, but I'll take you through that fee when we meet.","start":976.015,"end":981.39,"sentiment":"neutral","sentiment_score":0.05702317630251249},{"text":"It's not changing for now.","start":981.63,"end":983.17004,"sentiment":"neutral","sentiment_score":-0.03485905453562736},{"text":"You will see a difference of $59.","start":983.71,"end":985.95,"sentiment":"neutral","sentiment_score":0.09154135414532252}],"sentiment":"neutral","sentiment_score":0.04922064319252968,"num_words":45,"start":972.495,"end":985.95},{"sentences":[{"text":"That's because of the the growth expected within the portfolio.","start":985.95,"end":989.41003,"sentiment":"neutral","sentiment_score":0.17486274391412734},{"text":"So for the year, we do expect to receive $4,347 as our ongoing service fee there for you.","start":989.63,"end":996.985,"sentiment":"neutral","sentiment_score":0.16023212443623278},{"text":"Okay?","start":997.045,"end":997.545,"sentiment":"neutral","sentiment_score":0.06558793783187866},{"text":"Your contributions will continue to go in, so don't change anything with those.","start":998.40497,"end":1002.40497,"sentiment":"neutral","sentiment_score":0.032390475273132324},{"text":"That is all to go the same.","start":1002.40497,"end":1004.245,"sentiment":"neutral","sentiment_score":0.13070460196052278}],"sentiment":"neutral","sentiment_score":0.12315106141019841,"num_words":49,"start":985.95,"end":1004.245},{"sentences":[{"text":"I know you are making ad hoc contributions on a regular basis.","start":1004.245,"end":1007.385,"sentiment":"neutral","sentiment_score":0.0567109069476525},{"text":"You are welcome to yeah.","start":1007.9,"end":1010.14,"sentiment":"neutral","sentiment_score":0.1528454139828682},{"text":"Look.","start":1010.14,"end":1010.54004,"sentiment":"neutral","sentiment_score":0.07852630317211151},{"text":"You you're not hitting the cap at any point at the moment.","start":1010.54004,"end":1012.94,"sentiment":"neutral","sentiment_score":-0.14805973631640276},{"text":"If you want, you can let me know whenever you're going to make a contribution, and I can check the cap space just to make sure that you're still good and okay to do that.","start":1012.94,"end":1020.48004,"sentiment":"neutral","sentiment_score":0.061208464737449376}],"sentiment":"neutral","sentiment_score":0.029059441330341194,"num_words":65,"start":1004.245,"end":1020.48004},{"sentences":[{"text":"Alternatively, if you wanna hold off until March next year, we could look at, you know, including that into the additional this new strategy with your transition into retirement side of things and maybe incorporate that for you.","start":1021.115,"end":1032.955,"sentiment":"neutral","sentiment_score":0.16499940158897325},{"text":"So we we did talk about increasing contributions to utilize some past cap space as well.","start":1032.955,"end":1040.4299,"sentiment":"neutral","sentiment_score":0.17968762386590242},{"text":"We did decide to hold off on that until next year as well just because you couldn't get into your myGov account, and it's probably easy to sort of look at that as part of your overall retirement transition strategy.","start":1040.49,"end":1051.605,"sentiment":"neutral","sentiment_score":0.18135684505105018},{"text":"But if you are just making smaller regular, you know, ad hoc contributions here and there, you're welcome just to email me, let me know, and I can have a look for you to make sure there's no issues.","start":1052.3049,"end":1062.085,"sentiment":"neutral","sentiment_score":0.2571904922907169},{"text":"Okay?","start":1062.5449,"end":1063.0449,"sentiment":"neutral","sentiment_score":0.039510250091552734}],"sentiment":"neutral","sentiment_score":0.1975312872664697,"num_words":134,"start":1021.115,"end":1063.0449},{"sentences":[{"text":"Yeah.","start":1065.84,"end":1066.34,"sentiment":"neutral","sentiment_score":-0.008305493742227554},{"text":"That's that's the nonconcessional contribution limit.","start":1066.7999,"end":1069.9199,"sentiment":"neutral","sentiment_score":-0.008698215863356987},{"text":"Yeah.","start":1069.9199,"end":1070.08,"sentiment":"neutral","sentiment_score":0.07770006358623505},{"text":"You're well and truly under that for the moment.","start":1070.08,"end":1071.84,"sentiment":"neutral","sentiment_score":0.12630963201324144},{"text":"That's a lot of money.","start":1071.84,"end":1072.98,"sentiment":"neutral","sentiment_score":-0.08243175595998764}],"sentiment":"neutral","sentiment_score":0.033719690135595476,"num_words":22,"start":1065.84,"end":1072.98},{"sentences":[{"text":"Yeah.","start":1073.12,"end":1073.62,"sentiment":"neutral","sentiment_score":0.039722684770822525},{"text":"Yeah.","start":1074.08,"end":1074.58,"sentiment":"neutral","sentiment_score":0.016789894551038742},{"text":"Yeah.","start":1077.28,"end":1077.78,"sentiment":"neutral","sentiment_score":-0.02132286317646503},{"text":"Yeah.","start":1078.875,"end":1079.375,"sentiment":"neutral","sentiment_score":0.07013028860092163},{"text":"Yeah.","start":1081.675,"end":1082.175,"sentiment":"neutral","sentiment_score":0.31310757994651794}],"sentiment":"neutral","sentiment_score":0.08368551693856716,"num_words":5,"start":1073.12,"end":1082.175},{"sentences":[{"text":"Yeah.","start":1082.635,"end":1082.795,"sentiment":"positive","sentiment_score":0.3424520492553711},{"text":"Absolutely.","start":1082.795,"end":1083.295,"sentiment":"positive","sentiment_score":0.4529516398906708},{"text":"Yeah.","start":1085.035,"end":1085.355,"sentiment":"neutral","sentiment_score":0.1715213507413864},{"text":"Absolutely.","start":1085.355,"end":1085.855,"sentiment":"neutral","sentiment_score":0.2378893792629242},{"text":"As long as you're under that 130,000 for nonconsessional, it's fine.","start":1086.0751,"end":1090.175,"sentiment":"neutral","sentiment_score":0.14570298316803845}],"sentiment":"neutral","sentiment_score":0.18716981559991835,"num_words":15,"start":1082.635,"end":1090.175},{"sentences":[{"text":"The main the main difference with your two different contributions caps, you've got concessional, which is where your employer contributions go in.","start":1090.2799,"end":1097.0,"sentiment":"neutral","sentiment_score":0.05519050799987533},{"text":"That's where tax is taken out when the money hits the super system.","start":1097.0,"end":1100.38,"sentiment":"neutral","sentiment_score":0.05006586187160932},{"text":"And then you've also got non concessional over here, which is that way you're talking about the cap state the cap of a 130,000 for the year.","start":1100.6,"end":1108.465,"sentiment":"neutral","sentiment_score":0.06316101275108478},{"text":"The main sort of difference is with your concessional employer contributions, when that goes in, 15% tax is taken out of it.","start":1109.165,"end":1115.725,"sentiment":"neutral","sentiment_score":0.03988079218701883},{"text":"So only 85% of that contribution is invested over here.","start":1115.725,"end":1119.48,"sentiment":"neutral","sentiment_score":0.053633615002036096}],"sentiment":"neutral","sentiment_score":0.05302242875257705,"num_words":94,"start":1090.2799,"end":1119.48},{"sentences":[{"text":"Whereas that nonconcessional contribution, that a 100% goes in from your after tax income, and a 100% of that in that money is invested in your portfolio for you.","start":1119.64,"end":1130.6,"sentiment":"neutral","sentiment_score":0.11860783757834599},{"text":"So you can provide a greater long term benefit.","start":1130.6,"end":1133.1799,"sentiment":"neutral","sentiment_score":0.2811989353762733},{"text":"It does also mean because one of your aspects was making sure that your super in the event that you passed away is paid out to your children children as a dependency if they do receive the super benefits if they do receive the super benefit on death as a death benefit and then nontax dependent, they do pay tax on the taxable component.","start":1134.005,"end":1155.87,"sentiment":"neutral","sentiment_score":0.1252436158247292},{"text":"So that money that you're putting in over here ad hoc as a non concessional contribution, that's going into your tax free component, which can also, as a a benefit to your dependents if you were to pass away, they don't pay tax and a tax free component.","start":1156.49,"end":1172.425,"sentiment":"neutral","sentiment_score":0.17073258198797703},{"text":"So you're kind of boosting up your super, also building a tax free component over here for if in the event you were to pass away, and it had to be paid out to your kids to help kind of reduce the overall tax side of things for them.","start":1172.425,"end":1184.7899,"sentiment":"neutral","sentiment_score":0.28533351360535136}],"sentiment":"neutral","sentiment_score":0.18172118202525767,"num_words":199,"start":1119.64,"end":1184.7899},{"sentences":[{"text":"So that is a that is a benefit.","start":1184.7899,"end":1187.115,"sentiment":"neutral","sentiment_score":0.22302082530222833},{"text":"Yeah.","start":1187.275,"end":1187.515,"sentiment":"neutral","sentiment_score":0.04267498105764389},{"text":"That is a benefit.","start":1187.515,"end":1188.395,"sentiment":"neutral","sentiment_score":0.05365406349301338},{"text":"Yeah.","start":1188.395,"end":1188.895,"sentiment":"neutral","sentiment_score":-0.08646370470523834},{"text":"Just keep plugging away.","start":1191.275,"end":1192.735,"sentiment":"neutral","sentiment_score":-0.25341208279132843}],"sentiment":"neutral","sentiment_score":0.05229698897649845,"num_words":18,"start":1184.7899,"end":1192.735},{"sentences":[{"text":"Yeah.","start":1193.355,"end":1193.855,"sentiment":"neutral","sentiment_score":0.040117956697940826},{"text":"Absolutely.","start":1193.995,"end":1194.495,"sentiment":"neutral","sentiment_score":0.1719018816947937},{"text":"There are other there are other ways to kind of help with reducing the tax side of things when on a death benefit.","start":1195.355,"end":1201.615,"sentiment":"neutral","sentiment_score":0.07192355167606602},{"text":"And as part of this, I have also made a recommendation we alter your beneficiary nomination.","start":1202.1,"end":1207.16,"sentiment":"neutral","sentiment_score":0.0955869103781879},{"text":"I'll take you through that shortly.","start":1207.22,"end":1208.6,"sentiment":"neutral","sentiment_score":0.07681602612137794}],"sentiment":"neutral","sentiment_score":0.08205421807918142,"num_words":47,"start":1193.355,"end":1208.6},{"sentences":[{"text":"Okay?","start":1208.66,"end":1209.16,"sentiment":"neutral","sentiment_score":0.05250847339630127},{"text":"Excellent.","start":1210.58,"end":1211.08,"sentiment":"positive","sentiment_score":0.48808860778808594},{"text":"So when you sort of look at that, look, there's it's just about retaining your HUB 24 super fund and just altering the investments within that to make it easier.","start":1211.86,"end":1219.865,"sentiment":"neutral","sentiment_score":0.22773596147696176},{"text":"The newer portfolio still retains you in that growth environment.","start":1220.485,"end":1223.7051,"sentiment":"positive","sentiment_score":0.3612232208251953},{"text":"That's the second last column on that table there.","start":1223.765,"end":1226.505,"sentiment":"neutral","sentiment_score":0.12378858692116207}],"sentiment":"neutral","sentiment_score":0.23723540031442455,"num_words":51,"start":1208.66,"end":1226.505},{"sentences":[{"text":"And when we look at the returns in the research with the the newer portfolio, it's averaged about 10.53%.","start":1226.5651,"end":1233.47,"sentiment":"neutral","sentiment_score":0.18712512011590757},{"text":"So this newer portfolio is much cheaper for you.","start":1233.47,"end":1236.83,"sentiment":"positive","sentiment_score":0.5669633944829305},{"text":"It's actually saving you on fees within the super system, which is fantastic.","start":1236.83,"end":1240.61,"sentiment":"positive","sentiment_score":0.7012481689453125},{"text":"And over the past sort of five years has provided a greater past performance.","start":1241.8251,"end":1246.725,"sentiment":"neutral","sentiment_score":0.31288167514971327},{"text":"So whilst past performance is no indicator, it's not a guarantee that you're gonna get better performance moving forward.","start":1246.865,"end":1252.225,"sentiment":"neutral","sentiment_score":0.0001409726315423062}],"sentiment":"neutral","sentiment_score":0.29942291839098606,"num_words":74,"start":1226.5651,"end":1252.225},{"sentences":[{"text":"When we sort of look at that, if we look at the last five years and the average return it has achieved, then we can kinda take that data and go, well, if it's done this over the past five years, given the same market conditions, this portfolio can do the same thing again.","start":1252.225,"end":1266.6,"sentiment":"neutral","sentiment_score":0.12103797212519028},{"text":"Does that make sense?","start":1266.6,"end":1267.665,"sentiment":"neutral","sentiment_score":0.07194765005260706},{"text":"Yes.","start":1268.145,"end":1268.645,"sentiment":"neutral","sentiment_score":0.18747353553771973},{"text":"Beautiful.","start":1269.5851,"end":1270.0851,"sentiment":"positive","sentiment_score":0.541218101978302},{"text":"Underneath that, we have the projection table there for you.","start":1270.865,"end":1273.745,"sentiment":"neutral","sentiment_score":0.24092320948839188}],"sentiment":"neutral","sentiment_score":0.14231092610529492,"num_words":70,"start":1252.225,"end":1273.745},{"sentences":[{"text":"So, essentially, given the new recommendations versus the current, if you were to stay where you are, you can sort of see where it's projected at '64, '67.","start":1273.745,"end":1283.68,"sentiment":"neutral","sentiment_score":0.22684179618954659},{"text":"And over the next ten years, if you wish to continue to keep it without drawing anything out, the recommended can actually put you in a much greater position.","start":1283.68,"end":1292.56,"sentiment":"neutral","sentiment_score":0.2946197210714735},{"text":"So if we look at '64, just to sort of start with, by the age of 64, by making these changes, you could end up with 400 and 76,000 as opposed to $4.55.","start":1292.56,"end":1303.225,"sentiment":"neutral","sentiment_score":0.20954654614130655},{"text":"So it's an additional 20,000 on top of where you currently could be by changing the advice and changing the investments within your super.","start":1303.225,"end":1311.25,"sentiment":"neutral","sentiment_score":0.28912655046830577},{"text":"Okay?","start":1311.25,"end":1311.75,"sentiment":"neutral","sentiment_score":0.12474118173122406}],"sentiment":"neutral","sentiment_score":0.2510813619131627,"num_words":115,"start":1273.745,"end":1311.75},{"sentences":[{"text":"Yep.","start":1317.09,"end":1317.57,"sentiment":"neutral","sentiment_score":0.014737874269485474},{"text":"And when that's right.","start":1317.57,"end":1320.7899,"sentiment":"neutral","sentiment_score":-0.06764916190877557},{"text":"Yeah.","start":1322.2899,"end":1322.7899,"sentiment":"neutral","sentiment_score":0.006466519087553024},{"text":"What we'll do is when we get to that point next year and we do the TTR side of things, I will update the projection table to show you where we're tracking for, and we can compare that to what we've currently got here for you as well.","start":1322.9299,"end":1336.1951,"sentiment":"neutral","sentiment_score":0.11428570002317429},{"text":"Okay.","start":1336.1951,"end":1336.53,"sentiment":"neutral","sentiment_score":-0.0020673880353569984}],"sentiment":"neutral","sentiment_score":0.09516825379634446,"num_words":55,"start":1317.09,"end":1336.53},{"sentences":[{"text":"Yeah.","start":1338.4501,"end":1338.9501,"sentiment":"neutral","sentiment_score":-0.05483922362327576},{"text":"Mhmm.","start":1340.61,"end":1341.11,"sentiment":"neutral","sentiment_score":-0.022169068455696102},{"text":"That's fine.","start":1342.29,"end":1343.11,"sentiment":"neutral","sentiment_score":0.054142849519848824},{"text":"Yeah.","start":1343.41,"end":1343.91,"sentiment":"neutral","sentiment_score":0.034035198390483856},{"text":"Look.","start":1343.97,"end":1344.2101,"sentiment":"neutral","sentiment_score":0.02257978543639183}],"sentiment":"neutral","sentiment_score":0.014648731797933578,"num_words":6,"start":1338.4501,"end":1344.2101},{"sentences":[{"text":"If if you decide you don't wanna sort of draw do the TTR side of things, yeah, and you just wanna put more money into super, the main sort of reason people would, happy to go on with that transition retirement strategy is that increasing contributions into super reduces your take home pay.","start":1344.2101,"end":1361.61,"sentiment":"neutral","sentiment_score":0.12143841095901323},{"text":"So it means that you have less money at the end of the week for your bills and expenditure.","start":1361.85,"end":1365.39,"sentiment":"neutral","sentiment_score":0.0323049849585483},{"text":"But expenses are ex life is expensive at the moment, so most people can't sort of deal with that and can't reduce their expenses and have trouble, you know, paying the bills and things from the increase in their contributions in.","start":1366.41,"end":1378.125,"sentiment":"neutral","sentiment_score":-0.14968317569937648},{"text":"So the TCR strategy essentially allows you to draw some money out of the super system to replenish your income so that your take home pay stays about the same.","start":1378.125,"end":1387.265,"sentiment":"neutral","sentiment_score":0.04703492969274521},{"text":"That way, it's not having as great an effect on your take home pay and your expenditure, essentially.","start":1387.81,"end":1393.43,"sentiment":"neutral","sentiment_score":-0.06635965215456155}],"sentiment":"neutral","sentiment_score":0.007016114555067897,"num_words":161,"start":1344.2101,"end":1393.43},{"sentences":[{"text":"But if you get to in March and you go, hey.","start":1393.81,"end":1396.53,"sentiment":"neutral","sentiment_score":0.03137804330749945},{"text":"No.","start":1396.53,"end":1396.6901,"sentiment":"neutral","sentiment_score":-0.1654517501592636},{"text":"I'm good to continue doing this.","start":1396.6901,"end":1398.37,"sentiment":"neutral","sentiment_score":0.08244588722785313},{"text":"I don't I don't need that extra money.","start":1398.37,"end":1400.55,"sentiment":"neutral","sentiment_score":-0.22457252629101276},{"text":"Obviously, having it in super and boosting your contributions can provide a much greater effect for you.","start":1401.295,"end":1406.655,"sentiment":"positive","sentiment_score":0.3646487501614234}],"sentiment":"neutral","sentiment_score":0.11806582772108011,"num_words":43,"start":1393.81,"end":1406.655},{"sentences":[{"text":"So we we can look at that in March.","start":1406.655,"end":1409.855,"sentiment":"neutral","sentiment_score":0.10121902285350694},{"text":"We'll do a catch up.","start":1409.855,"end":1410.735,"sentiment":"neutral","sentiment_score":0.08168082237243653},{"text":"We'll talk about all the options.","start":1410.735,"end":1412.255,"sentiment":"neutral","sentiment_score":0.0822968805829684},{"text":"We'll look at all the bits and pieces, and then we can work out what you're comfortable with.","start":1412.255,"end":1416.76,"sentiment":"neutral","sentiment_score":0.11623714450332853},{"text":"Maybe look at your catch up contributions.","start":1416.76,"end":1418.46,"sentiment":"neutral","sentiment_score":0.10227366323981966}],"sentiment":"neutral","sentiment_score":0.10269646321733793,"num_words":45,"start":1406.655,"end":1418.46},{"sentences":[{"text":"I'll see if I can help you get into your MyGov account, and we will work out what your carry forward looks like, try to maximize contributions where we can.","start":1418.5199,"end":1427.72,"sentiment":"neutral","sentiment_score":0.20591977288325627},{"text":"So that last couple of years, we can boost super as much as possible for you.","start":1427.72,"end":1432.095,"sentiment":"positive","sentiment_score":0.3672222252935171},{"text":"How does that sound?","start":1432.095,"end":1432.8151,"sentiment":"neutral","sentiment_score":0.12329557724297047},{"text":"Beautiful.","start":1432.8151,"end":1433.3151,"sentiment":"positive","sentiment_score":0.654081404209137},{"text":"So that's essentially yeah.","start":1436.895,"end":1439.475,"sentiment":"neutral","sentiment_score":0.09905720874667168}],"sentiment":"neutral","sentiment_score":0.2472116607156667,"num_words":55,"start":1418.5199,"end":1439.475},{"sentences":[{"text":"Yes.","start":1449.43,"end":1449.93,"sentiment":"neutral","sentiment_score":0.04604552686214447},{"text":"Yes.","start":1453.43,"end":1453.93,"sentiment":"neutral","sentiment_score":0.1507006287574768},{"text":"Yes.","start":1456.0701,"end":1456.5701,"sentiment":"neutral","sentiment_score":0.09376624971628188},{"text":"Yeah.","start":1460.075,"end":1460.575,"sentiment":"neutral","sentiment_score":0.07664114236831665},{"text":"Absolutely.","start":1461.675,"end":1462.175,"sentiment":"neutral","sentiment_score":0.1471708118915558}],"sentiment":"neutral","sentiment_score":0.10286487191915512,"num_words":5,"start":1449.43,"end":1462.175},{"sentences":[{"text":"Yes.","start":1469.1951,"end":1469.58,"sentiment":"neutral","sentiment_score":0.12887679040431976},{"text":"Yeah.","start":1471.0199,"end":1471.5199,"sentiment":"neutral","sentiment_score":0.13347844779491425},{"text":"Yep.","start":1474.94,"end":1475.34,"sentiment":"neutral","sentiment_score":0.13766470551490784},{"text":"Yeah.","start":1475.34,"end":1475.6599,"sentiment":"neutral","sentiment_score":0.1819872111082077},{"text":"Absolutely.","start":1475.6599,"end":1476.1599,"sentiment":"neutral","sentiment_score":0.29299044609069824}],"sentiment":"neutral","sentiment_score":0.17499952018260956,"num_words":5,"start":1469.1951,"end":1476.1599},{"sentences":[{"text":"Absolutely.","start":1476.62,"end":1477.12,"sentiment":"positive","sentiment_score":0.391351580619812},{"text":"And we'll make sure it definitely works, and we'll look at it again next year.","start":1477.26,"end":1480.46,"sentiment":"positive","sentiment_score":0.39811577399571735},{"text":"And we'll keep kinda boosting it and doing what we can each year to get you as much as possible.","start":1480.46,"end":1484.7999,"sentiment":"neutral","sentiment_score":0.3212581656873226},{"text":"And and one of the things is maneuvering these investments to make sure that you are invested in a way that is making you money, that the investments are working harder for you, but that you're also trying to save a bit in fees as well and that we're not, you know we're we're removing any underperforming investments, which is kind of the biggest thing with this advice play piece.","start":1485.865,"end":1505.41,"sentiment":"neutral","sentiment_score":0.07978430981082575},{"text":"So yeah.","start":1505.41,"end":1512.5599,"sentiment":"neutral","sentiment_score":-0.06387712247669697}],"sentiment":"neutral","sentiment_score":0.16893887913061512,"num_words":108,"start":1476.62,"end":1512.5599},{"sentences":[{"text":"Yep.","start":1517.725,"end":1518.225,"sentiment":"neutral","sentiment_score":-0.027383355423808094},{"text":"Absolutely.","start":1519.965,"end":1520.465,"sentiment":"neutral","sentiment_score":0.1819421350955963},{"text":"Absolutely.","start":1521.085,"end":1521.585,"sentiment":"neutral","sentiment_score":0.08577607572078705},{"text":"Yeah.","start":1522.525,"end":1523.025,"sentiment":"neutral","sentiment_score":0.08260663598775864},{"text":"And if you scroll down to page number 21 for me, I can show you what those changes look like to make it easier.","start":1523.165,"end":1529.4249,"sentiment":"neutral","sentiment_score":0.11440806991110246}],"sentiment":"neutral","sentiment_score":0.10959768461595688,"num_words":28,"start":1517.725,"end":1529.4249},{"sentences":[{"text":"Yeah.","start":1530.74,"end":1531.24,"sentiment":"positive","sentiment_score":0.34811681509017944},{"text":"Excellent.","start":1531.62,"end":1532.1,"sentiment":"positive","sentiment_score":0.566650390625},{"text":"Now you'll see quite a lot of red and green on this page.","start":1532.1,"end":1534.5,"sentiment":"neutral","sentiment_score":0.27346389110271746},{"text":"This is outlining all the different investment options that you currently have and what we're gonna be adding into the portfolio.","start":1534.5,"end":1540.2799,"sentiment":"neutral","sentiment_score":0.1812669751899583},{"text":"So there is a lot going on here.","start":1540.5,"end":1542.44,"sentiment":"neutral","sentiment_score":0.09449083730578423}],"sentiment":"neutral","sentiment_score":0.2052802492610433,"num_words":44,"start":1530.74,"end":1542.44},{"sentences":[{"text":"The the third column's your current weighting.","start":1543.455,"end":1545.695,"sentiment":"neutral","sentiment_score":0.0372458640486002},{"text":"So what you currently have within your super fund at the moment, and, obviously, the next column is the balance that you currently have within your super fund currently.","start":1545.695,"end":1553.635,"sentiment":"neutral","sentiment_score":0.038046208499320625},{"text":"The main column to sort of look at is the buy style, which has got that red and green, and the first column is all the individual investments there.","start":1553.9349,"end":1562.67,"sentiment":"neutral","sentiment_score":0.05041253836504344},{"text":"Once we complete the changes, the last two columns show what you'll have in your super fund based on waiting and by balance.","start":1563.2101,"end":1571.55,"sentiment":"neutral","sentiment_score":0.06599535760672195},{"text":"So that's after the changes are made.","start":1571.6901,"end":1574.11,"sentiment":"neutral","sentiment_score":0.01911764724978379}],"sentiment":"neutral","sentiment_score":0.04713412066431422,"num_words":95,"start":1543.455,"end":1574.11},{"sentences":[{"text":"To kindly break it down and give you a little bit of context, but without overloading you with information, you've got the bank hybrids, which is the first one.","start":1574.345,"end":1584.185,"sentiment":"neutral","sentiment_score":0.01183183031991638},{"text":"That will be sold off completely.","start":1584.185,"end":1585.885,"sentiment":"neutral","sentiment_score":-0.07560258793334167},{"text":"We talked about how they're gonna be phased out down the track.","start":1585.9451,"end":1588.905,"sentiment":"neutral","sentiment_score":-0.06081397862484058},{"text":"Yep.","start":1588.905,"end":1589.405,"sentiment":"neutral","sentiment_score":0.013082164339721205},{"text":"You've got that global agriculture.","start":1590.0801,"end":1591.86,"sentiment":"neutral","sentiment_score":-0.029926925525069238}],"sentiment":"neutral","sentiment_score":-0.018430427454833715,"num_words":53,"start":1574.345,"end":1591.86},{"sentences":[{"text":"You only have about 2% there.","start":1592.0801,"end":1593.84,"sentiment":"neutral","sentiment_score":-0.05555995926260948},{"text":"We wanna remove that completely from this portfolio as well.","start":1593.84,"end":1597.36,"sentiment":"neutral","sentiment_score":-0.025207565911114217},{"text":"Yep.","start":1597.36,"end":1597.86,"sentiment":"neutral","sentiment_score":0.03659656643867493},{"text":"Physical goal, we wanna keep it, but you've got 14% there at the moment.","start":1598.4,"end":1602.3201,"sentiment":"neutral","sentiment_score":-0.014695232467991965},{"text":"We only wanna hold 8%.","start":1602.3201,"end":1604.1,"sentiment":"neutral","sentiment_score":-0.05407443325966597}],"sentiment":"neutral","sentiment_score":-0.028470674141620595,"num_words":36,"start":1592.0801,"end":1604.1},{"sentences":[{"text":"So it's important to rebalance it back and sell some of that to bring you back to an 8% waiting.","start":1604.375,"end":1610.235,"sentiment":"neutral","sentiment_score":0.044898256007581946},{"text":"Okay?","start":1610.375,"end":1610.875,"sentiment":"neutral","sentiment_score":0.06971846520900726},{"text":"And by selling that, you're cementing the gains that that physical gold has seen and reinvesting it back into your super fund.","start":1611.5751,"end":1618.6951,"sentiment":"positive","sentiment_score":0.3976141329516064},{"text":"That's part of compounding.","start":1618.6951,"end":1619.99,"sentiment":"positive","sentiment_score":0.4027261286973953},{"text":"It's cementing gains and reinvesting it back in other areas so as it continues to make money and growth.","start":1620.13,"end":1626.31,"sentiment":"positive","sentiment_score":0.4431555804453398}],"sentiment":"neutral","sentiment_score":0.29918265232647007,"num_words":66,"start":1604.375,"end":1626.31},{"sentences":[{"text":"Okay?","start":1626.45,"end":1626.95,"sentiment":"neutral","sentiment_score":0.2323121279478073},{"text":"Excellent.","start":1628.05,"end":1628.55,"sentiment":"positive","sentiment_score":0.5655252933502197},{"text":"You've got the cybersecurity, which is the next one down.","start":1628.85,"end":1632.005,"sentiment":"neutral","sentiment_score":0.08783175498247146},{"text":"You're a bit overweighted at the moment.","start":1632.225,"end":1633.985,"sentiment":"neutral","sentiment_score":-0.2371385097503662},{"text":"We only wanna hold 5%, so it means we're gonna sell some of that.","start":1633.985,"end":1638.005,"sentiment":"neutral","sentiment_score":-0.13800857748304093}],"sentiment":"neutral","sentiment_score":-0.05805862672401197,"num_words":33,"start":1626.45,"end":1638.005},{"sentences":[{"text":"The S and P 500, we only wanna hold 20%.","start":1639.425,"end":1642.9451,"sentiment":"neutral","sentiment_score":-0.005124767124652862},{"text":"You've got a bit more than that in there at the moment, we're gonna sell a bit of that as well.","start":1642.9451,"end":1647.2999,"sentiment":"neutral","sentiment_score":0.012590199531543823},{"text":"And then you've also got the Raffi BetaShares Raffi a 200.","start":1647.9199,"end":1652.5599,"sentiment":"neutral","sentiment_score":0.0956038510934873},{"text":"This is giving you access to some of the top 200 companies on the ASX.","start":1652.5599,"end":1656.6599,"sentiment":"neutral","sentiment_score":0.1341903179883957},{"text":"You hold about 17.30.","start":1657.2799,"end":1660.475,"sentiment":"neutral","sentiment_score":-0.027543564327061176}],"sentiment":"neutral","sentiment_score":0.05192572776167119,"num_words":61,"start":1639.425,"end":1660.475},{"sentences":[{"text":"We only wanna hold 15%, so we're gonna sell some of that to bring you back down a little bit.","start":1660.475,"end":1665.775,"sentiment":"neutral","sentiment_score":-0.19501324817538263},{"text":"And then underneath that, Benelon Australian Equities, that's the one that's underperforming.","start":1666.875,"end":1670.815,"sentiment":"neutral","sentiment_score":-0.1129053548599283},{"text":"So we're giving that the flick and removing that completely there for you.","start":1671.115,"end":1674.89,"sentiment":"neutral","sentiment_score":-0.03586628273702585},{"text":"Uh-huh.","start":1674.95,"end":1675.45,"sentiment":"neutral","sentiment_score":-0.019989004358649257},{"text":"Absolutely.","start":1675.75,"end":1676.25,"sentiment":"neutral","sentiment_score":0.02914759516716003}],"sentiment":"neutral","sentiment_score":-0.12153685758722589,"num_words":47,"start":1660.475,"end":1676.25},{"sentences":[{"text":"Get out of that.","start":1676.55,"end":1677.61,"sentiment":"neutral","sentiment_score":-0.13236872851848602},{"text":"So we're gonna sell all of that off so you no longer have that investment in there.","start":1678.07,"end":1682.41,"sentiment":"neutral","sentiment_score":-0.15026699006557465},{"text":"And then the ClearBridge infrastructure income funds, the infrastructure has had a bit of volatility.","start":1682.63,"end":1687.495,"sentiment":"neutral","sentiment_score":-0.18071465243895848},{"text":"There has been some changes in the market.","start":1687.5549,"end":1689.315,"sentiment":"neutral","sentiment_score":-0.23110094480216503},{"text":"That means it is time to remove you out of that investment there as well.","start":1689.315,"end":1692.995,"sentiment":"neutral","sentiment_score":-0.2485006401936213}],"sentiment":"neutral","sentiment_score":-0.19272967276431746,"num_words":59,"start":1676.55,"end":1692.995},{"sentences":[{"text":"So we're selling that one completely down.","start":1692.995,"end":1695.1749,"sentiment":"neutral","sentiment_score":-0.3100310744983809},{"text":"Essentially, once we've made those sales, what you'll see in your portfolio is 8% physical gold, 5% cybersecurity, 20% the S and P 500, so the top 200 companies on the s on the American market, 15% in the Raffy Australian 200.","start":1695.955,"end":1714.665,"sentiment":"neutral","sentiment_score":0.11268313140386627},{"text":"We're then gonna have an ad India, which is the third one from the bottom.","start":1714.885,"end":1719.625,"sentiment":"neutral","sentiment_score":0.0838337481021881},{"text":"So five percent is the India quality ETF, four percent into global health care.","start":1719.765,"end":1725.66,"sentiment":"neutral","sentiment_score":0.1742632037826947},{"text":"So health care is a good area to be invested, and global is giving you access to the entire globe, so diversification.","start":1725.66,"end":1731.8401,"sentiment":"positive","sentiment_score":0.39078758453780954}],"sentiment":"neutral","sentiment_score":0.14856991931796074,"num_words":100,"start":1692.995,"end":1731.8401},{"sentences":[{"text":"And then we still wanna have some more Australian equities.","start":1733.1001,"end":1736.4601,"sentiment":"neutral","sentiment_score":0.13436470851302146},{"text":"So we're gonna have the beta shares a 200.","start":1736.4601,"end":1739.26,"sentiment":"neutral","sentiment_score":0.1143394766582383},{"text":"So this is, again, another top 200 companies on the ASX, and this is giving you greater diversification.","start":1739.26,"end":1746.535,"sentiment":"neutral","sentiment_score":0.28978198683924145},{"text":"So we already have the Raffy in there, but we're adding this investment.","start":1746.915,"end":1750.295,"sentiment":"neutral","sentiment_score":0.1921389400959015},{"text":"So you you're not overweight in any one particular investment.","start":1750.435,"end":1753.895,"sentiment":"neutral","sentiment_score":0.14113215655088424}],"sentiment":"neutral","sentiment_score":0.19163176541527113,"num_words":60,"start":1733.1001,"end":1753.895},{"sentences":[{"text":"It does diversify across the Australian market, which is great, but it is giving you greater diversification, which helps to lower the risk of your portfolio as well, which is really important because just because you're in growth doesn't mean you wanna have huge amounts of risk.","start":1753.895,"end":1769.095,"sentiment":"neutral","sentiment_score":0.2549584744141457},{"text":"You still wanna mitigate whatever risk you possibly can.","start":1769.095,"end":1771.975,"sentiment":"neutral","sentiment_score":0.09362119022342894},{"text":"So this does that.","start":1771.975,"end":1773.195,"sentiment":"neutral","sentiment_score":0.08983228355646133},{"text":"And that then along Australian Equities investment, that investment manager held between 15 to 25 different investments.","start":1773.815,"end":1780.775,"sentiment":"neutral","sentiment_score":0.08532150045913808},{"text":"So we're selling that off.","start":1780.775,"end":1781.975,"sentiment":"neutral","sentiment_score":0.1307493969798088}],"sentiment":"neutral","sentiment_score":0.18645342239519444,"num_words":82,"start":1753.895,"end":1781.975},{"sentences":[{"text":"It's underperforming and moving you into an investment that gives you access to the top 200 companies on the ASX for greater diversification, and it's cheaper investment.","start":1781.975,"end":1792.15,"sentiment":"neutral","sentiment_score":0.20701001556935134},{"text":"So it's it means it's less fees going out to the investment managers.","start":1792.2101,"end":1795.91,"sentiment":"neutral","sentiment_score":0.21550097603064317},{"text":"Okay?","start":1796.13,"end":1796.63,"sentiment":"neutral","sentiment_score":0.14233914017677307},{"text":"Excellent.","start":1797.3301,"end":1797.8301,"sentiment":"positive","sentiment_score":0.5960095524787903},{"text":"Yeah.","start":1799.4651,"end":1799.785,"sentiment":"neutral","sentiment_score":0.22061841189861295}],"sentiment":"neutral","sentiment_score":0.21743605147267497,"num_words":43,"start":1781.975,"end":1799.785},{"sentences":[{"text":"And then the next page, you've got the the last three, the JPMorgan Global Research Enhanced Equity Fund.","start":1799.785,"end":1808.185,"sentiment":"neutral","sentiment_score":0.1822575612200631},{"text":"Now this is giving you just a little bit of an actively managed fund in there.","start":1808.185,"end":1811.61,"sentiment":"neutral","sentiment_score":0.24220182467252016},{"text":"It is essentially giving you global exposure to equities across the entire globe, but JPMorgan's research team essentially choose what to invest in within this one, and it's actually a very good investment.","start":1811.61,"end":1825.07,"sentiment":"positive","sentiment_score":0.35249408255472325},{"text":"It's a past it's a a low cost active management investment option and has done very, very well over the past few years.","start":1825.13,"end":1832.9349,"sentiment":"positive","sentiment_score":0.44660703513933264},{"text":"And then defensive wise, because you're in that growth environment, we still wanna hold around about 20 in defensive investments, like cash bonds and fixed interest, and that's where the iShares Yield plus and the core composite bonds comes into place for you.","start":1833.955,"end":1848.22,"sentiment":"neutral","sentiment_score":0.1109324612243231}],"sentiment":"neutral","sentiment_score":0.2543626139990817,"num_words":133,"start":1799.785,"end":1848.22},{"sentences":[{"text":"So it'll be giving you about 18% exposure into defensive investments for income producing because we still wanna make sure your portfolio has dividends and income that's paid to your cash account so you can have that reinvested back into your portfolio.","start":1848.22,"end":1863.575,"sentiment":"neutral","sentiment_score":0.12321882375649043},{"text":"Does that make sense?","start":1864.115,"end":1865.255,"sentiment":"neutral","sentiment_score":0.05946243554353714},{"text":"Yeah.","start":1865.875,"end":1866.375,"sentiment":"neutral","sentiment_score":0.22562912106513977},{"text":"It's okay.","start":1867.66,"end":1868.06,"sentiment":"neutral","sentiment_score":0.1996552050113678},{"text":"That is a lot.","start":1868.06,"end":1868.86,"sentiment":"neutral","sentiment_score":0.10437003709375858}],"sentiment":"neutral","sentiment_score":0.12180113244169163,"num_words":53,"start":1848.22,"end":1868.86},{"sentences":[{"text":"I try to sort of go as easy as possible on those investments.","start":1868.86,"end":1871.68,"sentiment":"neutral","sentiment_score":-0.0032793561426492828},{"text":"But do you have questions?","start":1871.82,"end":1873.52,"sentiment":"neutral","sentiment_score":0.022876593843102457},{"text":"Yeah.","start":1876.54,"end":1877.04,"sentiment":"neutral","sentiment_score":0.05938053876161575},{"text":"Yeah.","start":1880.3,"end":1880.8,"sentiment":"neutral","sentiment_score":0.028877653181552887},{"text":"It's good.","start":1886.715,"end":1887.375,"sentiment":"neutral","sentiment_score":0.11821407079696655}],"sentiment":"neutral","sentiment_score":0.01801989422264424,"num_words":22,"start":1868.86,"end":1887.375},{"sentences":[{"text":"It's okay.","start":1892.315,"end":1893.135,"sentiment":"neutral","sentiment_score":0.25637558102607727},{"text":"Excellent.","start":1894.01,"end":1894.51,"sentiment":"neutral","sentiment_score":0.32314035296440125},{"text":"Now underneath that, you've also got the cash table.","start":1894.6499,"end":1897.21,"sentiment":"neutral","sentiment_score":0.026679151588016085},{"text":"So at the moment, you do have about 10,000 sitting in cash there.","start":1897.21,"end":1900.8099,"sentiment":"neutral","sentiment_score":-0.02289636805653572},{"text":"That is a little bit too high cash wise, essentially.","start":1900.8099,"end":1903.61,"sentiment":"neutral","sentiment_score":-0.09796451926231384}],"sentiment":"neutral","sentiment_score":-0.005751259944268635,"num_words":35,"start":1892.315,"end":1903.61},{"sentences":[{"text":"You wanna make sure more money is invested.","start":1903.61,"end":1905.7899,"sentiment":"neutral","sentiment_score":-0.04771994519978762},{"text":"So we're only gonna hold about 1.25 cash within the fund, and all the rest of it.","start":1905.85,"end":1911.565,"sentiment":"neutral","sentiment_score":0.04992379138574881},{"text":"So a bit over 7,000 needs to be invested back into that portfolio above there for you, so it's working harder.","start":1911.565,"end":1917.665,"sentiment":"neutral","sentiment_score":-0.008115064663191637},{"text":"Okay?","start":1918.045,"end":1918.545,"sentiment":"neutral","sentiment_score":-0.014985596761107445},{"text":"Yeah.","start":1919.485,"end":1919.985,"sentiment":"positive","sentiment_score":0.4682753086090088}],"sentiment":"neutral","sentiment_score":0.015621213455839703,"num_words":48,"start":1903.61,"end":1919.985},{"sentences":[{"text":"Excellent.","start":1920.365,"end":1920.865,"sentiment":"positive","sentiment_score":0.7282992005348206},{"text":"If you go down to the page number 24 for me, this is essentially showing you so we talked about how whilst we're not recommending the draw downs in the retirement aspect, we're gonna give you a little bit of a table that kinda shows where we're tracking for based on the the outcome.","start":1922.85,"end":1939.095,"sentiment":"neutral","sentiment_score":0.05276541199742092},{"text":"We have a couple of ways of doing this, but we've chosen to do it this way because it's a bit clearer for you to read.","start":1939.715,"end":1944.755,"sentiment":"neutral","sentiment_score":0.12804572341533807},{"text":"I also have a table that I can use, but this kind of outlay is a bit clearer.","start":1944.755,"end":1949.44,"sentiment":"neutral","sentiment_score":0.1229544294377168},{"text":"So it essentially shows that at the age of 64, based on the current recommendations, we can project your super balance to be sitting at $476,616.62.","start":1949.44,"end":1960.9,"sentiment":"neutral","sentiment_score":0.1143004302508556}],"sentiment":"neutral","sentiment_score":0.0967344893887639,"num_words":125,"start":1920.365,"end":1960.9},{"sentences":[{"text":"The next side of it and it kinda projects forward over the next, you know, to pay at $8.01 100, essentially.","start":1961.475,"end":1968.615,"sentiment":"neutral","sentiment_score":0.08368219452954474},{"text":"The next column is basically working on how much income should be produced from that from that portfolio based on a conservative rate of return, and we essentially use about a five to 6% return in those those return year.","start":1969.955,"end":1985.4601,"sentiment":"neutral","sentiment_score":0.06390702608041465},{"text":"Sorry.","start":1985.4601,"end":1985.9601,"sentiment":"neutral","sentiment_score":-0.012184280902147291},{"text":"And then we've also got the fees.","start":1986.3401,"end":1987.8601,"sentiment":"neutral","sentiment_score":0.013653627197657312},{"text":"So the next table outlines the ongoing costs based on the projected balance.","start":1987.8601,"end":1992.725,"sentiment":"neutral","sentiment_score":0.03307855473114894}],"sentiment":"neutral","sentiment_score":0.05886609084540751,"num_words":82,"start":1961.475,"end":1992.725},{"sentences":[{"text":"We do overestimate the fee side of things, but then it's also got how much pension you would need to draw down.","start":1993.105,"end":1999.825,"sentiment":"neutral","sentiment_score":0.017039807852018963},{"text":"So based on your requirement of $2,000 on a fortnightly basis, drawing an income of 31,200 for the year, and then also looking at age pension entitlement when that's open there.","start":1999.825,"end":2012.46,"sentiment":"neutral","sentiment_score":0.046071706039290276},{"text":"And it sort of shows that based on all these factors, the projected outcome, the interest, the fees, the super pension amount that you would wanna draw down, and the fact that you might are going to be eligible for age pension down the track, realistically, all going, your your super balance should last quite a long time.","start":2012.46,"end":2030.88,"sentiment":"neutral","sentiment_score":0.09838045093006101},{"text":"It is showing that it should last quite significantly.","start":2031.04,"end":2033.62,"sentiment":"neutral","sentiment_score":0.17036845038334528},{"text":"I don't think you're gonna have over a million dollars at age 100, but this is just the way the projected table works.","start":2034.8,"end":2041.06,"sentiment":"neutral","sentiment_score":0.027209063020089398}],"sentiment":"neutral","sentiment_score":0.0676104148029239,"num_words":143,"start":1993.105,"end":2041.06},{"sentences":[{"text":"But, essentially, it does show that you can draw down based on your balance projected at age 65.","start":2041.84,"end":2046.535,"sentiment":"neutral","sentiment_score":-0.05002721357676718},{"text":"You can start to draw down your income.","start":2046.535,"end":2048.475,"sentiment":"neutral","sentiment_score":-0.14938773587346077},{"text":"You can then access age pension and reduce how much you're gonna need to live on.","start":2048.7751,"end":2052.935,"sentiment":"neutral","sentiment_score":-0.08613770245574415},{"text":"And your super should definitely last into the eighties and nineties at this point in time.","start":2052.935,"end":2058.69,"sentiment":"neutral","sentiment_score":0.10235827276483178},{"text":"We wanna make sure it lasts even longer that and gives you the best possible outcome, so we wanna keep boosting it.","start":2058.77,"end":2064.21,"sentiment":"neutral","sentiment_score":0.2840476618571715}],"sentiment":"neutral","sentiment_score":0.055162324430420996,"num_words":80,"start":2041.84,"end":2064.21},{"sentences":[{"text":"But it is showing you that right now, what you're on track for, your super could definitely work and last for you.","start":2064.29,"end":2070.6099,"sentiment":"neutral","sentiment_score":0.32980454577641055},{"text":"Okay?","start":2070.6099,"end":2071.1099,"sentiment":"neutral","sentiment_score":0.23345518112182617},{"text":"Yeah.","start":2072.13,"end":2072.63,"sentiment":"positive","sentiment_score":0.38655614852905273},{"text":"Beautiful.","start":2072.69,"end":2073.19,"sentiment":"positive","sentiment_score":0.4944022297859192},{"text":"And it is just a projection table.","start":2073.605,"end":2075.125,"sentiment":"neutral","sentiment_score":0.1515384731548173}],"sentiment":"neutral","sentiment_score":0.29471508995629847,"num_words":32,"start":2064.29,"end":2075.125},{"sentences":[{"text":"I know it goes up, and so I definitely don't think you're gonna have $1,600,000 at 8,100 because the longer you survive, the more you have to actually draw down them.","start":2075.125,"end":2084.805,"sentiment":"neutral","sentiment_score":-0.0023125727330484697},{"text":"But there's only there's limitations on what we can do with these sorts of projection tables.","start":2084.805,"end":2089.69,"sentiment":"neutral","sentiment_score":-0.15115064987912774},{"text":"So we kind of have to work with them.","start":2089.69,"end":2091.8699,"sentiment":"neutral","sentiment_score":-0.06344818861948119},{"text":"So I would say take it take it with a grain of salt when you're looking at that age because as you get older and older, you are you are also supposed to take more out of sleep on a regular basis, and these are the sorts of things that we'll be able to look at in a lot more detail when you get closer to retirement, essentially.","start":2092.25,"end":2108.605,"sentiment":"neutral","sentiment_score":-0.03036877010976348},{"text":"Yeah.","start":2108.905,"end":2109.405,"sentiment":"neutral","sentiment_score":0.009640973061323166}],"sentiment":"neutral","sentiment_score":-0.040932553958147766,"num_words":125,"start":2075.125,"end":2109.405},{"sentences":[{"text":"So it starts at four percent.","start":2114.6199,"end":2116.56,"sentiment":"neutral","sentiment_score":0.018660026292006176},{"text":"Yeah.","start":2116.94,"end":2117.44,"sentiment":"neutral","sentiment_score":0.04444076865911484},{"text":"When you get into your nineties, they want you to take, like, 13% of your balance.","start":2118.3,"end":2122.96,"sentiment":"neutral","sentiment_score":0.05449419724754989},{"text":"Yeah.","start":2124.06,"end":2124.56,"sentiment":"neutral","sentiment_score":0.023770857602357864},{"text":"Yeah.","start":2124.6199,"end":2125.1199,"sentiment":"neutral","sentiment_score":0.016121145337820053}],"sentiment":"neutral","sentiment_score":0.04272800341248512,"num_words":25,"start":2114.6199,"end":2125.1199},{"sentences":[{"text":"But, I mean, realistically, most most of us in our nineties are probably in aged care home at that point anyway.","start":2125.58,"end":2130.6748,"sentiment":"neutral","sentiment_score":-0.026815836140442462},{"text":"So no.","start":2133.6948,"end":2137.9348,"sentiment":"neutral","sentiment_score":0.004151414148509502},{"text":"No.","start":2137.9348,"end":2138.4148,"sentiment":"neutral","sentiment_score":-0.0231773778796196},{"text":"No.","start":2138.4148,"end":2138.8948,"sentiment":"neutral","sentiment_score":-0.015240877866744997},{"text":"No.","start":2138.8948,"end":2139.3948,"sentiment":"neutral","sentiment_score":-0.18907389044761655}],"sentiment":"neutral","sentiment_score":-0.03008930295562515,"num_words":26,"start":2125.58,"end":2139.3948},{"sentences":[{"text":"But, yeah, look, honestly, this does sort of show.","start":2140.335,"end":2142.4949,"sentiment":"positive","sentiment_score":0.39280111094315845},{"text":"And with the research behind it, making the changes does put you in a good position, does keep more money invested.","start":2142.4949,"end":2147.77,"sentiment":"positive","sentiment_score":0.6971086064974467},{"text":"And, realistically, projection wise, your super balance can last, and it can do what you need it to based on where we expect it to be.","start":2147.77,"end":2155.69,"sentiment":"positive","sentiment_score":0.5149611498300846},{"text":"But I would just like to, you know, keep building on it and get as much as we can into super to provide you with the best possible income in retirement.","start":2155.69,"end":2163.595,"sentiment":"positive","sentiment_score":0.43321913576895194},{"text":"Because the other side of it is, whilst we start drawing an income of $2,000 per fortnight or $1,000 per week when you first retire, that as you get older, as you wanna travel, as you might wanna buy a new car and do different things, you might need to draw regular or different ad hoc lump sums down on different bases.","start":2163.595,"end":2184.79,"sentiment":"neutral","sentiment_score":0.15605700316448365}],"sentiment":"positive","sentiment_score":0.36690475191645977,"num_words":149,"start":2140.335,"end":2184.79},{"sentences":[{"text":"So it's about putting as much as you possibly can in.","start":2185.01,"end":2188.125,"sentiment":"neutral","sentiment_score":0.15804046866568652},{"text":"So, a, you can draw down an income, but so you can also live and take a holiday when you want to.","start":2188.125,"end":2193.0051,"sentiment":"neutral","sentiment_score":0.2247660451314666},{"text":"If you wanna buy flights or, you know, hand some money out to your kids or, you know, buy Christmas presents and things like that, you might need ad hoc withdrawals here and there, and that's something else to consider.","start":2193.0051,"end":2203.55,"sentiment":"neutral","sentiment_score":0.14982511894777417},{"text":"And the other side of it is your health can change as life gets goes on as well.","start":2204.09,"end":2209.55,"sentiment":"neutral","sentiment_score":0.04872091435309914},{"text":"So then the amount you might need to live on will need to increase.","start":2209.635,"end":2213.015,"sentiment":"neutral","sentiment_score":-0.010145579065595354}],"sentiment":"neutral","sentiment_score":0.12772610721488795,"num_words":105,"start":2185.01,"end":2213.015},{"sentences":[{"text":"Not only are you is the requirement to draw out a super increasing, but how much you might need to live on can increase there as well.","start":2213.075,"end":2220.195,"sentiment":"neutral","sentiment_score":0.026607296809002205},{"text":"So those are other factors that we'll have to look at down the track.","start":2220.195,"end":2223.57,"sentiment":"neutral","sentiment_score":0.030572384728917053},{"text":"That's why boosting a super as much as possible now and putting as much as we can in can provide a greater benefit down the track there for you.","start":2223.57,"end":2231.81,"sentiment":"positive","sentiment_score":0.4046997695133604},{"text":"Does that make sense?","start":2231.81,"end":2232.87,"sentiment":"neutral","sentiment_score":0.2340429127216339},{"text":"Yeah.","start":2234.37,"end":2234.87,"sentiment":"positive","sentiment_score":0.3979507088661194}],"sentiment":"neutral","sentiment_score":0.1895576810091734,"num_words":75,"start":2213.075,"end":2234.87},{"sentences":[{"text":"Beautiful.","start":2234.9302,"end":2235.4302,"sentiment":"positive","sentiment_score":0.6248922348022461},{"text":"But you can sort of see that gives you an idea that we're on track quite nicely, and we'll look at it in a lot more detail next year to see whether you wanna go down that route of that TTR side of things.","start":2235.57,"end":2245.065,"sentiment":"neutral","sentiment_score":0.20900824467058887},{"text":"Okay?","start":2245.065,"end":2245.565,"sentiment":"neutral","sentiment_score":0.094676673412323},{"text":"Beautiful.","start":2247.625,"end":2248.125,"sentiment":"positive","sentiment_score":0.6412872076034546},{"text":"It's yeah.","start":2248.7449,"end":2251.2449,"sentiment":"neutral","sentiment_score":0.008116617798805237}],"sentiment":"neutral","sentiment_score":0.2157847370800315,"num_words":49,"start":2234.9302,"end":2251.2449},{"sentences":[{"text":"Yeah.","start":2264.01,"end":2264.51,"sentiment":"neutral","sentiment_score":-0.018022162839770317},{"text":"Mhmm.","start":2268.5552,"end":2269.0552,"sentiment":"neutral","sentiment_score":-0.03158710151910782},{"text":"A lump sum.","start":2275.595,"end":2276.575,"sentiment":"neutral","sentiment_score":-0.03182530961930752},{"text":"Yeah.","start":2277.435,"end":2277.835,"sentiment":"neutral","sentiment_score":-0.014463418163359163},{"text":"So you've gotta be 60 and fully retired or yeah.","start":2277.835,"end":2282.21,"sentiment":"neutral","sentiment_score":-0.0007866889238357544}],"sentiment":"neutral","sentiment_score":-0.010463468788657337,"num_words":16,"start":2264.01,"end":2282.21},{"sentences":[{"text":"Yeah.","start":2282.43,"end":2282.83,"sentiment":"neutral","sentiment_score":0.05714840441942215},{"text":"So once you hit 64 and you fully retire, then you'll have a 100% access to all your money tax free with InsideSuper.","start":2282.83,"end":2289.01,"sentiment":"neutral","sentiment_score":0.12119214852219043},{"text":"You can take your income plus your ad hoc drawdowns as you need them.","start":2289.31,"end":2293.845,"sentiment":"neutral","sentiment_score":0.14702143307243074},{"text":"It'll all be absolutely fine.","start":2293.845,"end":2295.285,"sentiment":"neutral","sentiment_score":0.2433382451534271},{"text":"You can let me know when and if you need things like that before from 64 based on your goal age.","start":2295.285,"end":2302.105,"sentiment":"neutral","sentiment_score":-0.016904366113955065}],"sentiment":"neutral","sentiment_score":0.09007136595027987,"num_words":64,"start":2282.43,"end":2302.105},{"sentences":[{"text":"But the the realistic view is that if you decide at 60 you wanna retire and start your own income, you can.","start":2302.565,"end":2309.1602,"sentiment":"neutral","sentiment_score":0.06110964783213355},{"text":"The legislation states that preservation age is 60, so long as you're fully retired, at age 65, regardless of whether you're working or not, they allow access to your money, a 100% of your funds inside super.","start":2310.5,"end":2325.555,"sentiment":"neutral","sentiment_score":0.06548520253115409},{"text":"And from 67, you can apply for the age pension.","start":2325.695,"end":2328.675,"sentiment":"neutral","sentiment_score":0.047296701557934286},{"text":"Yeah.","start":2331.215,"end":2331.63,"sentiment":"neutral","sentiment_score":-0.05560743063688278},{"text":"Yeah.","start":2339.0698,"end":2339.5698,"sentiment":"neutral","sentiment_score":-0.05503425374627113}],"sentiment":"neutral","sentiment_score":0.058164648974025755,"num_words":71,"start":2302.565,"end":2339.5698},{"sentences":[{"text":"Yeah.","start":2339.7898,"end":2340.2898,"sentiment":"neutral","sentiment_score":-0.048008497804403305},{"text":"Yep.","start":2342.8298,"end":2343.3298,"sentiment":"neutral","sentiment_score":-0.008138894103467464},{"text":"Yep.","start":2344.19,"end":2344.69,"sentiment":"neutral","sentiment_score":0.012858493253588676},{"text":"Yeah.","start":2345.39,"end":2345.63,"sentiment":"neutral","sentiment_score":0.04885655269026756},{"text":"Yeah.","start":2345.63,"end":2346.13,"sentiment":"neutral","sentiment_score":0.10460314899683}],"sentiment":"neutral","sentiment_score":0.022034160606563095,"num_words":5,"start":2339.7898,"end":2346.13},{"sentences":[{"text":"Definitely.","start":2346.19,"end":2346.69,"sentiment":"neutral","sentiment_score":0.1554344743490219},{"text":"Definitely.","start":2346.99,"end":2347.49,"sentiment":"neutral","sentiment_score":0.1350891888141632},{"text":"Let's maybe table that until March.","start":2348.005,"end":2350.645,"sentiment":"neutral","sentiment_score":0.08846526841322581},{"text":"We'll come back in March and maybe really assess, you know, whether the TTR side of INGS will let we'll look at your I'll see if I can help you get into your myGov account, and we'll look at your carry forward contributions and see, you know, what we can utilize in the past couple of years to maximize your super as much as possible.","start":2350.645,"end":2365.8198,"sentiment":"neutral","sentiment_score":0.12155379397221483},{"text":"We could also talk about, you know, the different components and whether we throw more money in nonconcessionally and what that looks like for you.","start":2366.3599,"end":2373.72,"sentiment":"neutral","sentiment_score":0.0631194394081831}],"sentiment":"neutral","sentiment_score":0.1051050802759294,"num_words":98,"start":2346.19,"end":2373.72},{"sentences":[{"text":"So, yeah, I figure we switch the investments now and get things working a little bit.","start":2373.72,"end":2378.7551,"sentiment":"neutral","sentiment_score":0.16292718355543911},{"text":"And then in March, we can sit down and go, right.","start":2378.7551,"end":2381.0752,"sentiment":"neutral","sentiment_score":0.10340769521214745},{"text":"You're nearly 60.","start":2381.0752,"end":2382.135,"sentiment":"neutral","sentiment_score":0.04358312487602234},{"text":"What are we wanting to do?","start":2382.195,"end":2383.5552,"sentiment":"neutral","sentiment_score":0.038292439033587776},{"text":"How do we want this to play out?","start":2383.5552,"end":2385.3352,"sentiment":"neutral","sentiment_score":0.047109545674175024}],"sentiment":"neutral","sentiment_score":0.1018568172373555,"num_words":44,"start":2373.72,"end":2385.3352},{"sentences":[{"text":"What do you have available?","start":2385.395,"end":2386.5352,"sentiment":"neutral","sentiment_score":0.020238667353987695},{"text":"What's your catch up contributions look like, and we'll do another nice big plan and kind of build for the retirement aspect from there for you.","start":2386.5952,"end":2393.68,"sentiment":"neutral","sentiment_score":0.21928288501042587},{"text":"How does that sound?","start":2393.68,"end":2394.82,"sentiment":"neutral","sentiment_score":0.11061243899166584},{"text":"Yeah?","start":2395.12,"end":2395.62,"sentiment":"neutral","sentiment_score":0.3055729269981384},{"text":"Yep.","start":2396.16,"end":2396.56,"sentiment":"neutral","sentiment_score":0.2880758047103882}],"sentiment":"neutral","sentiment_score":0.18482829283016758,"num_words":37,"start":2385.395,"end":2396.56},{"sentences":[{"text":"Beautiful.","start":2396.56,"end":2397.06,"sentiment":"positive","sentiment_score":0.5415138602256775},{"text":"In the meantime, you can be popping some money away in your emergency fund just to kinda give you that back up in case something happens up until that point.","start":2397.76,"end":2405.765,"sentiment":"neutral","sentiment_score":0.11296884367863337},{"text":"Yeah.","start":2407.665,"end":2408.145,"sentiment":"neutral","sentiment_score":0.2745012640953064},{"text":"Beautiful.","start":2408.145,"end":2408.645,"sentiment":"positive","sentiment_score":0.6315582394599915},{"text":"The last thing I wanted to kinda go through with you is if you go down to page 26 for me now this is the beneficiary side of things.","start":2411.025,"end":2418.9102,"sentiment":"neutral","sentiment_score":0.09281521033624122}],"sentiment":"neutral","sentiment_score":0.12142386732082214,"num_words":62,"start":2396.56,"end":2418.9102},{"sentences":[{"text":"So your goal was that you wanted to if anything happens to you, and I don't want anything to, I want you to get to retirement and enjoy your money and have a great, you know, twenty or thirty years in retirement or forty years.","start":2418.9102,"end":2431.4102,"sentiment":"neutral","sentiment_score":0.2859124533004231},{"text":"Essentially, if anything did happen, though, you wanted your super benefit benefit to be paid out to your kids, so to Charlotte and Jessica.","start":2432.795,"end":2439.4548,"sentiment":"neutral","sentiment_score":0.1348847059222559},{"text":"Essentially, with the way the super system works and the way beneficiaries are, children are beneficiaries under the CISAT.","start":2440.315,"end":2446.86,"sentiment":"neutral","sentiment_score":0.19536869855303512},{"text":"That is absolutely fine.","start":2447.02,"end":2448.56,"sentiment":"positive","sentiment_score":0.47508436627686024},{"text":"However, if they're older over the age of 18 or over the age of 25 if they're financial dependent, essentially, if they receive the funds direct from Super, the taxable component, they can pay tax on us up to 17% tax.","start":2449.02,"end":2465.205,"sentiment":"neutral","sentiment_score":-0.24449270091405728}],"sentiment":"neutral","sentiment_score":0.0879055288781349,"num_words":133,"start":2418.9102,"end":2465.205},{"sentences":[{"text":"So there's a couple of ways that we can look to reduce this.","start":2465.8252,"end":2468.945,"sentiment":"neutral","sentiment_score":-0.19059875836739174},{"text":"One is we can look to boost up the tax free benefit of your Super as much as possible because they receive that side of things completely tax free.","start":2468.945,"end":2477.39,"sentiment":"positive","sentiment_score":0.45941366974649755},{"text":"We can't really change the taxable component currently.","start":2477.69,"end":2480.81,"sentiment":"neutral","sentiment_score":-0.23422355204820633},{"text":"We have to wait till you retire to be able to kind of redig that to make it really tax free for them.","start":2480.81,"end":2488.335,"sentiment":"neutral","sentiment_score":-0.03588123166042825},{"text":"However, at the moment, what I'm recommending we do is we change your beneficiary nomination.","start":2488.895,"end":2494.835,"sentiment":"neutral","sentiment_score":0.07406617254018784}],"sentiment":"neutral","sentiment_score":0.10519486826590517,"num_words":88,"start":2465.8252,"end":2494.835},{"sentences":[{"text":"So the other way to help reduce the amount of tax that your beneficiaries are expected to pay if they were to receive the funds is to nominate your legal personal representative.","start":2495.935,"end":2506.8901,"sentiment":"neutral","sentiment_score":0.14950103196315467},{"text":"Now if we essentially do this, we tick a box on the beneficiary form.","start":2507.4302,"end":2511.45,"sentiment":"neutral","sentiment_score":0.09530393247093473},{"text":"And on your super fund and the beneficiary section, they just have legal personal representative exactly as it's nominated here.","start":2511.59,"end":2518.57,"sentiment":"neutral","sentiment_score":0.1156927477568388},{"text":"What that essentially means is is if you were to die tomorrow, you would just need to make sure you have a will in place.","start":2518.935,"end":2526.615,"sentiment":"neutral","sentiment_score":0.05631046801805496},{"text":"And in that will, you would nominate Charlotte and Jessica to receive the 50% of everything, basically.","start":2526.615,"end":2534.3599,"sentiment":"neutral","sentiment_score":0.21485342129188426}],"sentiment":"neutral","sentiment_score":0.12492974902744647,"num_words":108,"start":2495.935,"end":2534.3599},{"sentences":[{"text":"If you were then to pass away tomorrow with the claim is made on your super, the money is paid direct to your estate, and then as per the directions in your will, it is all paid out to the beneficiaries.","start":2535.0598,"end":2548.3599,"sentiment":"neutral","sentiment_score":0.09402884052294057},{"text":"Now it doesn't alleviate the tax wholly because there is still taxation consequences.","start":2549.355,"end":2553.855,"sentiment":"neutral","sentiment_score":-0.12799569620535925},{"text":"We still pay tax on money that we've inherited.","start":2554.155,"end":2556.975,"sentiment":"neutral","sentiment_score":0.031325460929009646},{"text":"However, it can alleviate the Medicare levy, the 2% tax that they would have to pay for the Medicare levy.","start":2558.555,"end":2565.25,"sentiment":"neutral","sentiment_score":0.17817740179598332},{"text":"So it does increase the tax free component that they would receive.","start":2565.25,"end":2570.21,"sentiment":"positive","sentiment_score":0.5636120662093163}],"sentiment":"neutral","sentiment_score":0.13473747778487832,"num_words":95,"start":2535.0598,"end":2570.21},{"sentences":[{"text":"It does mean that they could receive a little bit more money upfront.","start":2570.21,"end":2573.03,"sentiment":"positive","sentiment_score":0.370806485414505},{"text":"When we get to retirement age, you and I can readjust a lot of these things and do cash at recontribution strategies and things to make your taxable component as tax free as possible.","start":2574.77,"end":2585.6748,"sentiment":"neutral","sentiment_score":0.1682523598565775},{"text":"But for right now, to cover up into the point that you retire, to give your kids the best possible outcome, utilizing the legal personal representative and having your super paid through your estate, through your will, does alleviate some of the tax consequences that they would have to pay.","start":2586.4548,"end":2605.795,"sentiment":"positive","sentiment_score":0.5009436517953872},{"text":"So it does mean that they receive a little bit more money.","start":2605.795,"end":2608.595,"sentiment":"positive","sentiment_score":0.4240930701295535},{"text":"Does that make sense?","start":2608.595,"end":2609.655,"sentiment":"neutral","sentiment_score":0.21156585216522217}],"sentiment":"positive","sentiment_score":0.36746572907519554,"num_words":113,"start":2570.21,"end":2609.655},{"sentences":[{"text":"Yeah.","start":2611.875,"end":2612.375,"sentiment":"neutral","sentiment_score":0.030069921165704727},{"text":"No.","start":2615.395,"end":2615.715,"sentiment":"neutral","sentiment_score":-0.02496039681136608},{"text":"So you just have l p you just have legal personal representatives, and it means your will.","start":2615.715,"end":2620.3298,"sentiment":"neutral","sentiment_score":0.011463023119551293},{"text":"It basically is a long version saying your will.","start":2620.3298,"end":2622.97,"sentiment":"neutral","sentiment_score":0.0258373384260469},{"text":"Yeah.","start":2622.97,"end":2623.3699,"sentiment":"neutral","sentiment_score":0.023515459150075912}],"sentiment":"neutral","sentiment_score":0.01572525594383478,"num_words":29,"start":2611.875,"end":2623.3699},{"sentences":[{"text":"So whenever the Superfund sale sees LPR or legal personal representative, they know that it needs to go to the estate, and they pay it to the estate, and you just need to have your will done up correctly.","start":2623.3699,"end":2634.99,"sentiment":"neutral","sentiment_score":0.013606216806249741},{"text":"I believe now we yeah.","start":2637.075,"end":2640.295,"sentiment":"neutral","sentiment_score":-0.03388766422867775},{"text":"Yes.","start":2643.155,"end":2643.635,"sentiment":"neutral","sentiment_score":0.017427269369363785},{"text":"Yes.","start":2643.635,"end":2644.135,"sentiment":"neutral","sentiment_score":0.019448354840278625},{"text":"That was one thing we made mention.","start":2644.435,"end":2646.135,"sentiment":"neutral","sentiment_score":0.023561079321163043}],"sentiment":"neutral","sentiment_score":0.010622779504870469,"num_words":53,"start":2623.3699,"end":2646.135},{"sentences":[{"text":"Yeah.","start":2655.97,"end":2656.47,"sentiment":"neutral","sentiment_score":0.0008777696639299393},{"text":"It it is it is important to kind of update.","start":2656.77,"end":2659.5898,"sentiment":"neutral","sentiment_score":-0.004941662214696408},{"text":"Yeah.","start":2659.8098,"end":2660.13,"sentiment":"neutral","sentiment_score":0.060090020298957825},{"text":"Absolutely.","start":2660.13,"end":2660.63,"sentiment":"neutral","sentiment_score":0.1247965395450592},{"text":"It is a good thing to definitely have updated.","start":2660.8499,"end":2662.8699,"sentiment":"positive","sentiment_score":0.35293320814768475}],"sentiment":"neutral","sentiment_score":0.15057939003137025,"num_words":22,"start":2655.97,"end":2662.8699},{"sentences":[{"text":"But even if you didn't, as long as, you know, these funds will still be paid for to the estate, and then as part of the the estate planning process, the executive will go, well, as long as we've got all the funds together, it can all be paid out.","start":2663.355,"end":2677.26,"sentiment":"neutral","sentiment_score":0.2664798764884472},{"text":"So it would still work.","start":2677.34,"end":2678.8801,"sentiment":"positive","sentiment_score":0.397503125667572},{"text":"There's nothing wrong with the way the will is essentially set up, but it is just about eliminating eliminating the amount as much tax as possible on the beneficiaries if they were to receive it.","start":2679.42,"end":2690.325,"sentiment":"neutral","sentiment_score":0.0029861301183700555},{"text":"Obviously, the the other side of this is that we set these beneficiary nominations up, and we have things in place.","start":2690.805,"end":2696.565,"sentiment":"neutral","sentiment_score":0.18235282599925995},{"text":"But at the end of the day, we don't want anything to happen to you.","start":2696.565,"end":2699.765,"sentiment":"neutral","sentiment_score":0.1034448891878128}],"sentiment":"neutral","sentiment_score":0.16505640230718113,"num_words":126,"start":2663.355,"end":2699.765},{"sentences":[{"text":"We want you to get to 64, retire, draw your income, and enjoy your life at the end of the day.","start":2699.765,"end":2705.22,"sentiment":"positive","sentiment_score":0.4659299353758494},{"text":"So don't really want a estate claim.","start":2705.22,"end":2709.24,"sentiment":"neutral","sentiment_score":-0.17120181982006347},{"text":"Yeah.","start":2715.78,"end":2716.28,"sentiment":"neutral","sentiment_score":0.2232134640216827},{"text":"Yeah.","start":2719.14,"end":2719.64,"sentiment":"neutral","sentiment_score":0.09387974441051485},{"text":"We can.","start":2721.795,"end":2722.435,"sentiment":"neutral","sentiment_score":0.2886962443590164}],"sentiment":"neutral","sentiment_score":0.296268800040707,"num_words":32,"start":2699.765,"end":2722.435},{"sentences":[{"text":"Absolutely.","start":2722.435,"end":2722.935,"sentiment":"positive","sentiment_score":0.4887022078037262},{"text":"Absolutely.","start":2723.235,"end":2723.735,"sentiment":"positive","sentiment_score":0.4079472422599793},{"text":"And when you when you when you fully retire and we have access to all those funds, we can definitely, again, look at doing other strategies where we change your taxable component into tax free component.","start":2723.955,"end":2736.98,"sentiment":"neutral","sentiment_score":0.14044179622497824},{"text":"So there are things that we can do.","start":2736.98,"end":2739.06,"sentiment":"neutral","sentiment_score":0.07461528480052948},{"text":"It's just that we can't do them yeah.","start":2739.06,"end":2740.9001,"sentiment":"neutral","sentiment_score":-0.03651746385730803}],"sentiment":"neutral","sentiment_score":0.11587660521682766,"num_words":54,"start":2722.435,"end":2740.9001},{"sentences":[{"text":"We just can't do them till you retire because we need access to your money to be able to do them.","start":2740.9001,"end":2744.9001,"sentiment":"neutral","sentiment_score":-0.04837136023810932},{"text":"But there are definitely some fun, cool strategies we can put in place to help you change the benefits and to help you maneuver things like that.","start":2744.9001,"end":2752.775,"sentiment":"positive","sentiment_score":0.4256940884170709},{"text":"It's just about getting you to that retirement phase.","start":2752.775,"end":2755.335,"sentiment":"neutral","sentiment_score":0.11084416839811537},{"text":"So for right now exactly.","start":2755.335,"end":2758.78,"sentiment":"neutral","sentiment_score":0.11666713953018189},{"text":"Exact and that's why I kinda wanted to make this a little bit easier.","start":2759.0,"end":2762.2,"sentiment":"neutral","sentiment_score":0.2958053393023355}],"sentiment":"neutral","sentiment_score":0.21315986560167452,"num_words":76,"start":2740.9001,"end":2762.2},{"sentences":[{"text":"So one step at a time is definitely the right way to go, not to overwhelm you too much.","start":2762.2,"end":2766.44,"sentiment":"positive","sentiment_score":0.397243647198928},{"text":"So starting with just altering the investments now, retain everything else as it is, and then in a couple of months' time, we check if that's working for you.","start":2766.44,"end":2775.7551,"sentiment":"neutral","sentiment_score":0.24895553856060423},{"text":"Then we come back and we go, right.","start":2775.815,"end":2777.495,"sentiment":"neutral","sentiment_score":0.19260596297681332},{"text":"Now you're turning 60.","start":2777.495,"end":2778.775,"sentiment":"positive","sentiment_score":0.3532329425215721},{"text":"This is exciting.","start":2778.775,"end":2779.675,"sentiment":"positive","sentiment_score":0.6511030991872152}],"sentiment":"neutral","sentiment_score":0.3122925188333269,"num_words":63,"start":2762.2,"end":2779.675},{"sentences":[{"text":"What do you wanna do?","start":2779.975,"end":2781.095,"sentiment":"neutral","sentiment_score":0.10419082343578338},{"text":"We talk about the TTR.","start":2781.095,"end":2782.395,"sentiment":"neutral","sentiment_score":0.07740108147263527},{"text":"We decide whether you wanna do it or whether you just wanna put more money into super.","start":2782.455,"end":2786.475,"sentiment":"neutral","sentiment_score":0.08925220370292664},{"text":"We try to use catch up contributions in the last couple of years to, you know, provide greater benefit.","start":2786.72,"end":2792.0798,"sentiment":"neutral","sentiment_score":0.048770231832014885},{"text":"We talk about whether we use it as catch up contributions or whether we do it nonconcessional to benefit your estate planning process.","start":2792.0798,"end":2799.7,"sentiment":"neutral","sentiment_score":0.028075570888493374}],"sentiment":"neutral","sentiment_score":0.05793651482225328,"num_words":69,"start":2779.975,"end":2799.7},{"sentences":[{"text":"And then we kinda go from there, then we get to the actual retirement, and we again revisit the estate planning process and the draw downs and how we structure things that way.","start":2800.115,"end":2809.795,"sentiment":"neutral","sentiment_score":0.014638432612021765},{"text":"So it's just a continuous process, but we do it one step at a time.","start":2809.795,"end":2815.33,"sentiment":"neutral","sentiment_score":0.042003013628224534},{"text":"And as we go through that process, we start to reduce risk levels.","start":2815.33,"end":2819.1702,"sentiment":"neutral","sentiment_score":0.05733213430413833},{"text":"So right now, your growth, when we come back next year, I'll probably be saying let's let's really consider reducing the risk of it here.","start":2819.1702,"end":2826.37,"sentiment":"neutral","sentiment_score":0.05445493459701538},{"text":"Let's start pulling things back a bit for you, and then we'll correct and we'll keep doing that as you get closer to retiring.","start":2826.37,"end":2834.325,"sentiment":"neutral","sentiment_score":0.0436642551018546}],"sentiment":"neutral","sentiment_score":0.038797697399488906,"num_words":110,"start":2800.115,"end":2834.325},{"sentences":[{"text":"That way, when you do access Fuqua, you're in a more conservative environment.","start":2834.325,"end":2838.2651,"sentiment":"neutral","sentiment_score":0.040259046193498835},{"text":"Does that make sense?","start":2838.405,"end":2839.35,"sentiment":"neutral","sentiment_score":0.01370455976575613},{"text":"Yeah.","start":2841.35,"end":2841.85,"sentiment":"positive","sentiment_score":0.3943371772766114},{"text":"Beautiful.","start":2842.4702,"end":2842.9702,"sentiment":"positive","sentiment_score":0.6455807685852051},{"text":"Yeah.","start":2845.59,"end":2846.09,"sentiment":"neutral","sentiment_score":0.14677512645721436}],"sentiment":"neutral","sentiment_score":0.088243945594877,"num_words":20,"start":2834.325,"end":2846.09},{"sentences":[{"text":"It's it's a lot.","start":2846.23,"end":2847.77,"sentiment":"neutral","sentiment_score":0.025505226105451584},{"text":"Me too.","start":2850.31,"end":2851.05,"sentiment":"neutral","sentiment_score":0.02233181521296501},{"text":"Me too.","start":2851.525,"end":2852.085,"sentiment":"neutral","sentiment_score":0.02603482734411955},{"text":"So far, it's all been working really nicely, but that's why I do wanna make sure that you and I catch up in December.","start":2852.085,"end":2857.705,"sentiment":"neutral","sentiment_score":0.18944901103774706},{"text":"That way, just before we go away for the Christmas break, we can check-in to say, hey.","start":2858.165,"end":2862.405,"sentiment":"neutral","sentiment_score":0.06785244976772982}],"sentiment":"neutral","sentiment_score":0.12038820613251656,"num_words":49,"start":2846.23,"end":2862.405},{"sentences":[{"text":"This has been in place for a few months.","start":2862.405,"end":2864.31,"sentiment":"neutral","sentiment_score":0.032183811275495425},{"text":"How's it working?","start":2864.79,"end":2865.75,"sentiment":"neutral","sentiment_score":0.11030555268128713},{"text":"And then we can catch up again, you know, early next year in March to talk about your next side of things.","start":2865.75,"end":2871.29,"sentiment":"neutral","sentiment_score":0.08119004287502983},{"text":"Okay?","start":2871.35,"end":2871.85,"sentiment":"neutral","sentiment_score":0.09937740117311478},{"text":"Perfect.","start":2874.55,"end":2875.05,"sentiment":"positive","sentiment_score":0.5674699544906616}],"sentiment":"neutral","sentiment_score":0.08537775717882647,"num_words":36,"start":2862.405,"end":2875.05},{"sentences":[{"text":"All good.","start":2875.83,"end":2876.6501,"sentiment":"positive","sentiment_score":0.4813563972711563},{"text":"Well, I will let you go to that's okay.","start":2876.7952,"end":2879.355,"sentiment":"neutral","sentiment_score":0.2767514255311754},{"text":"You're welcome to take that back and have a read to the document.","start":2879.355,"end":2882.0151,"sentiment":"neutral","sentiment_score":0.25098828169015736},{"text":"If you do have any questions no.","start":2882.715,"end":2885.935,"sentiment":"neutral","sentiment_score":0.08460784118090357},{"text":"So if you you do.","start":2886.5552,"end":2889.51,"sentiment":"neutral","sentiment_score":0.011961394920945168}],"sentiment":"neutral","sentiment_score":0.20467736525461078,"num_words":36,"start":2875.83,"end":2889.51},{"sentences":[{"text":"So if you decide you're happy with the recommendations, you can sign the document.","start":2889.51,"end":2894.25,"sentiment":"neutral","sentiment_score":0.03344608237966895},{"text":"I just wanna let you know, Maria, you don't have to sign it now.","start":2895.51,"end":2898.6301,"sentiment":"neutral","sentiment_score":0.0751838745283229},{"text":"You can take it back and read it first.","start":2898.6301,"end":2900.6301,"sentiment":"neutral","sentiment_score":0.06968999281525612},{"text":"You don't have to choose.","start":2900.6301,"end":2901.945,"sentiment":"neutral","sentiment_score":-0.0043772486969828606},{"text":"Yes.","start":2902.5051,"end":2903.0051,"sentiment":"neutral","sentiment_score":0.053368404507637024}],"sentiment":"neutral","sentiment_score":0.05068631379237009,"num_words":43,"start":2889.51,"end":2903.0051},{"sentences":[{"text":"Absolutely.","start":2903.7852,"end":2904.2852,"sentiment":"neutral","sentiment_score":0.24290351569652557},{"text":"And then once you're happy to sign the document to take on the recommendations, you sign the bottom of it, and it comes back to us, and we will put those in place there for you.","start":2904.5051,"end":2913.145,"sentiment":"neutral","sentiment_score":0.2343010084910525},{"text":"Okay?","start":2913.145,"end":2913.645,"sentiment":"neutral","sentiment_score":0.2745244801044464},{"text":"Buying in.","start":2923.63,"end":2924.6099,"sentiment":"neutral","sentiment_score":0.020407315343618393},{"text":"It can normally, it's it's honestly not too bad.","start":2925.39,"end":2929.23,"sentiment":"neutral","sentiment_score":0.16546498073471916}],"sentiment":"neutral","sentiment_score":0.21392375017915452,"num_words":49,"start":2903.7852,"end":2929.23},{"sentences":[{"text":"It can be done fairly quickly.","start":2929.23,"end":2930.75,"sentiment":"neutral","sentiment_score":0.22660843034585318},{"text":"Most of the funds, we can sort of buy and sell within about two to three days.","start":2930.75,"end":2934.375,"sentiment":"neutral","sentiment_score":0.04066183034549741},{"text":"It's the Bennelong that takes the longest.","start":2934.375,"end":2936.475,"sentiment":"neutral","sentiment_score":-0.03180955975715603},{"text":"So the managed fund that we wanna get you out of because it's underperforming, that can take up to four weeks to fully sell down.","start":2936.5352,"end":2943.595,"sentiment":"neutral","sentiment_score":-0.07266963988542557},{"text":"So, yeah, if we can try and do that as quickly as possible, that would be great to get you out of it because it is the hardest one to sell down.","start":2943.655,"end":2952.6501,"sentiment":"neutral","sentiment_score":-0.11100756237283349}],"sentiment":"neutral","sentiment_score":-0.0406982553266417,"num_words":87,"start":2929.23,"end":2952.6501},{"sentences":[{"text":"It is.","start":2953.83,"end":2954.47,"sentiment":"neutral","sentiment_score":-0.12015227973461151},{"text":"It is.","start":2954.47,"end":2955.21,"sentiment":"neutral","sentiment_score":-0.04118864983320236},{"text":"It is.","start":2955.99,"end":2956.73,"sentiment":"neutral","sentiment_score":-0.035425836220383644},{"text":"But no.","start":2956.87,"end":2957.35,"sentiment":"neutral","sentiment_score":-0.05873716622591019},{"text":"Look.","start":2957.35,"end":2957.59,"sentiment":"neutral","sentiment_score":-0.04689648002386093}],"sentiment":"neutral","sentiment_score":-0.061989371561341815,"num_words":9,"start":2953.83,"end":2957.59},{"sentences":[{"text":"Take it is.","start":2957.59,"end":2959.61,"sentiment":"neutral","sentiment_score":-0.03463444237907728},{"text":"It is.","start":2959.75,"end":2960.1501,"sentiment":"neutral","sentiment_score":-0.011692803353071213},{"text":"But now look.","start":2960.1501,"end":2960.805,"sentiment":"neutral","sentiment_score":-0.00020117747286955515},{"text":"Take some time to read that over.","start":2960.885,"end":2962.565,"sentiment":"neutral","sentiment_score":0.03174533349062715},{"text":"And once you've read it and you're happy to accept the recommendations, you just sign the bottom of it.","start":2962.565,"end":2967.6848,"sentiment":"neutral","sentiment_score":0.1331079563027934}],"sentiment":"neutral","sentiment_score":0.07715811876251417,"num_words":34,"start":2957.59,"end":2967.6848},{"sentences":[{"text":"It comes back to us automatically, and we will start by selling everything down and buying into the new investments for you.","start":2967.6848,"end":2972.825,"sentiment":"neutral","sentiment_score":0.19852489774877374},{"text":"Okay.","start":2974.79,"end":2975.29,"sentiment":"neutral","sentiment_score":0.26898014545440674},{"text":"Yeah.","start":2975.67,"end":2976.17,"sentiment":"neutral","sentiment_score":0.1443798542022705},{"text":"That's okay.","start":2976.55,"end":2977.27,"sentiment":"neutral","sentiment_score":0.13607797399163246},{"text":"Do you have any questions?","start":2977.27,"end":2978.49,"sentiment":"neutral","sentiment_score":0.024939558282494546}],"sentiment":"neutral","sentiment_score":0.1670245641782399,"num_words":31,"start":2967.6848,"end":2978.49},{"sentences":[{"text":"Is there anything I haven't sorta answered correctly or that you wanted more clarification on?","start":2978.55,"end":2983.61,"sentiment":"neutral","sentiment_score":-0.030685805436223745},{"text":"Beautiful.","start":2985.75,"end":2986.25,"sentiment":"positive","sentiment_score":0.5170274972915649},{"text":"Oh, thank you.","start":2986.87,"end":2987.85,"sentiment":"positive","sentiment_score":0.3707791765530904},{"text":"Thank you.","start":2988.425,"end":2989.2449,"sentiment":"neutral","sentiment_score":0.1830516904592514},{"text":"Thank you.","start":2990.105,"end":2990.925,"sentiment":"positive","sentiment_score":0.40122009813785553}],"sentiment":"neutral","sentiment_score":0.10163571837398669,"num_words":23,"start":2978.55,"end":2990.925},{"sentences":[{"text":"Oh, beautiful.","start":2991.385,"end":2997.2449,"sentiment":"positive","sentiment_score":0.37103909999132156},{"text":"That's really good.","start":2997.465,"end":2998.605,"sentiment":"positive","sentiment_score":0.5938436190287272},{"text":"Excellent.","start":2999.865,"end":3000.365,"sentiment":"positive","sentiment_score":0.5066806674003601},{"text":"Thank you.","start":3001.95,"end":3002.77,"sentiment":"positive","sentiment_score":0.5339417457580566},{"text":"My pleasure.","start":3003.71,"end":3004.45,"sentiment":"positive","sentiment_score":0.4434073120355606}],"sentiment":"positive","sentiment_score":0.49849878400564196,"num_words":10,"start":2991.385,"end":3004.45},{"sentences":[{"text":"Not a problem at all.","start":3004.75,"end":3006.21,"sentiment":"neutral","sentiment_score":0.2948145270347595},{"text":"Not a problem at all.","start":3006.27,"end":3007.57,"sentiment":"neutral","sentiment_score":0.28836355209350584},{"text":"Thank you so much.","start":3007.87,"end":3008.75,"sentiment":"positive","sentiment_score":0.6417057067155838},{"text":"The only other thing to let you know that is that tax file opt in form that we had with the wrong number last time, the the girls have attached it to this document.","start":3008.75,"end":3018.345,"sentiment":"neutral","sentiment_score":0.02999973001287264},{"text":"We thought because we're doing it electronically, we'd attach it all to one for you so you're not signing lots of different electronic documents to make it easier.","start":3018.345,"end":3026.5852,"sentiment":"neutral","sentiment_score":0.060440145166856904}],"sentiment":"neutral","sentiment_score":0.1078293172054385,"num_words":76,"start":3004.75,"end":3026.5852},{"sentences":[{"text":"So when you sign the advice, it will automatically prompt you to sign the document as well.","start":3026.5852,"end":3031.6602,"sentiment":"neutral","sentiment_score":0.05791460141977843},{"text":"Okay.","start":3031.6602,"end":3032.1602,"sentiment":"neutral","sentiment_score":0.0772855132818222},{"text":"Beautiful.","start":3033.26,"end":3033.76,"sentiment":"positive","sentiment_score":0.4587633013725281},{"text":"Excellent.","start":3034.06,"end":3034.46,"sentiment":"positive","sentiment_score":0.43909621238708496},{"text":"And I've got some reading material attached.","start":3034.46,"end":3036.3801,"sentiment":"neutral","sentiment_score":0.19838347285985947}],"sentiment":"neutral","sentiment_score":0.12401398374802536,"num_words":27,"start":3026.5852,"end":3036.3801},{"sentences":[{"text":"I've also got, like, if you're interested, the the product disclosure statements for Hub '24.","start":3036.3801,"end":3042.1602,"sentiment":"neutral","sentiment_score":0.07699581558505694},{"text":"And I've also got our financial services guide in there as well as an attachment.","start":3042.555,"end":3047.295,"sentiment":"neutral","sentiment_score":0.052840520565708475},{"text":"So if you I probably I think I did.","start":3047.435,"end":3051.135,"sentiment":"neutral","sentiment_score":0.003601718642231491},{"text":"Yeah.","start":3051.755,"end":3052.075,"sentiment":"neutral","sentiment_score":0.019425151869654655},{"text":"I think I did.","start":3052.075,"end":3053.135,"sentiment":"neutral","sentiment_score":0.03387664491310716}],"sentiment":"neutral","sentiment_score":0.048520278217355634,"num_words":44,"start":3036.3801,"end":3053.135},{"sentences":[{"text":"But I attached it to everything, so everyone gets a few copies of those.","start":3053.355,"end":3057.05,"sentiment":"neutral","sentiment_score":0.04287409223616123},{"text":"Just making sure.","start":3057.83,"end":3058.97,"sentiment":"neutral","sentiment_score":0.0719469537337621},{"text":"But no.","start":3061.35,"end":3062.09,"sentiment":"neutral","sentiment_score":0.0126821743324399},{"text":"All good.","start":3062.3901,"end":3063.1301,"sentiment":"neutral","sentiment_score":0.07533479295670986},{"text":"All good.","start":3065.59,"end":3066.33,"sentiment":"neutral","sentiment_score":0.04877108335494995}],"sentiment":"neutral","sentiment_score":0.047376271904162735,"num_words":23,"start":3053.355,"end":3066.33},{"sentences":[{"text":"That's okay.","start":3068.07,"end":3068.8901,"sentiment":"neutral","sentiment_score":0.0020820973441004753},{"text":"Absolutely.","start":3069.7551,"end":3070.2551,"sentiment":"neutral","sentiment_score":0.269433856010437},{"text":"Beautiful.","start":3075.2751,"end":3075.7751,"sentiment":"positive","sentiment_score":0.8057485818862915},{"text":"Excellent.","start":3076.7952,"end":3077.2952,"sentiment":"positive","sentiment_score":0.7397768497467041},{"text":"And I'll make sure we have yeah.","start":3077.355,"end":3079.675,"sentiment":"neutral","sentiment_score":0.20140087551304273}],"sentiment":"neutral","sentiment_score":0.26907746757691103,"num_words":12,"start":3068.07,"end":3079.675},{"sentences":[{"text":"Yeah.","start":3079.675,"end":3080.175,"sentiment":"neutral","sentiment_score":0.238530233502388},{"text":"Absolutely.","start":3080.235,"end":3080.735,"sentiment":"positive","sentiment_score":0.6318713426589966},{"text":"That's really good.","start":3081.6501,"end":3082.29,"sentiment":"positive","sentiment_score":0.8265153368314108},{"text":"And if you ever get stuck or have questions, you know where I am.","start":3082.29,"end":3085.01,"sentiment":"neutral","sentiment_score":0.22214052719729288},{"text":"You're welcome to email me, call me.","start":3085.01,"end":3086.6902,"sentiment":"neutral","sentiment_score":0.2796964411224638}],"sentiment":"neutral","sentiment_score":0.32376115597211397,"num_words":26,"start":3079.675,"end":3086.6902},{"sentences":[{"text":"I'll always try to fit you in.","start":3086.6902,"end":3088.3901,"sentiment":"positive","sentiment_score":0.4215826690196991},{"text":"Yeah.","start":3089.57,"end":3089.81,"sentiment":"positive","sentiment_score":0.5121236443519592},{"text":"And I'll make sure we definitely do a catch up in early December.","start":3089.81,"end":3092.79,"sentiment":"positive","sentiment_score":0.47020328503388625},{"text":"Okay?","start":3092.9302,"end":3093.4302,"sentiment":"positive","sentiment_score":0.37522804737091064},{"text":"Thank you, Marie.","start":3096.0552,"end":3097.0952,"sentiment":"positive","sentiment_score":0.7976922988891602}],"sentiment":"positive","sentiment_score":0.49376599907875063,"num_words":25,"start":3086.6902,"end":3097.0952},{"sentences":[{"text":"You have a lovely afternoon.","start":3097.0952,"end":3098.475,"sentiment":"positive","sentiment_score":0.828620445728302},{"text":"Appreciate your time.","start":3098.5352,"end":3099.7551,"sentiment":"positive","sentiment_score":0.770184596379598},{"text":"Thank you.","start":3102.0552,"end":3102.615,"sentiment":"positive","sentiment_score":0.5528936386108398},{"text":"You too.","start":3102.615,"end":3103.3352,"sentiment":"neutral","sentiment_score":0.33130501210689545},{"text":"See you later.","start":3103.3352,"end":3104.155,"sentiment":"neutral","sentiment_score":0.30894508957862854}],"sentiment":"positive","sentiment_score":0.609925905863444,"num_words":15,"start":3097.0952,"end":3104.155},{"sentences":[{"text":"Bye.","start":3105.895,"end":3106.395,"sentiment":"neutral","sentiment_score":-0.10493019968271255}],"sentiment":"neutral","sentiment_score":-0.10493019968271255,"num_words":1,"start":3105.895,"end":3106.395}]}}]},{"alternatives":[{"transcript":"Hello. Maria speaking. Good, Dana. How are you? Very, very lazy. It's wonderful. It's a day off, so I'm just relaxing and not doing much at all. Yes. Yes. Absolutely. We're expecting your call. Wonderful. Okay. Yes. Yes. I can. I've got my iPad here. I'll just yep. Alright. Okay. I'll just give it a tick. How you been going with it all? Oh, here we go. Signature request. Alright. Mhmm. Yep. That's fine, Dana. Mhmm. Yeah. It's Maria Catherine Bilker. '6 667, Unit 1082 To 4, Langport Parade, Madripa. Okay. I'll press on that. Mhmm. Yep. Mhmm. Yep. Mhmm. Mhmm. Yes. That's right. Mhmm. Okay. So do we do anything at 60 or just continue on the way I'm going? Don't do it. Mhmm. Yes. Okay. Okay. Okay. Would I be withdrawing some at 60 if I needed if I wanted to or or no? Yeah. Yeah. Yes. That's what I was thinking. Uh-huh. Mhmm. Right. Okay. So what I'm trying to get my head around it. Do I so in March, we sort of implement a TTR. Is that what you're saying? And I'll draw a bit off that. Yeah. Okay. Oh, brilliant. Okay. Sounds good. Yeah. Oh, okay. Oh, okay. Okay. Yeah. Yeah. Okay. So when you're in the TTR, if I've got my leftover monies, can I still put that back into my super? Say you've got just to re keep building it? Or is that what happened? Oh, okay. Okay. Just that it's still building till retirement sort of thing. Okay. I see. Mhmm. Right. You know it. Okay. Yeah. That'd be great. Yes. Sounds great. Yep. Sounds great. Thanks, Diana. Seven. Mhmm. I think the income's a little less. That was one year I earned that much, but I've I've dropped today. So I think with my tax, it was $60 this past financial year. 60 thousand, not the 75. Yeah. I was working four days, but yeah. Aged care. Yep. Everything else is great. Yep. Not much. I've got the emergency fund at 10,000 at the minute, and other savings is almost 5,000. And I'm just putting into that whatever I've got left out, you know, I'm making sure I'm building up my savings. Do you think with leaving work at 64, I should have a a a number in savings that I'm aiming for in to live on till pension? Not really. Okay. Mhmm. I see. Mhmm. Okay. Oh, I see. Okay. Yes. Yes. Yes. I'm thinking, oh, maybe I should aim for, I don't know, $50 in savings plus my emergency. You know, I'm sort of trying to think, okay. Yeah. But as you're explaining, you draw it back off my off my super in the TTR when the time comes. Yeah. Okay. I I tend to worry. I think, oh, will I have enough? And then am I putting in enough? Or do I I need to keep working around. I don't wanna make don't really don't wanna work more than I have to, but I know I've gotta keep building it up, but I'm getting a bit tired. But we keep plodding along. Mhmm. Mhmm. Okay. Absolutely. I'll just scroll down. You've been working hard on this, Dana. Now let me see. Seventeen, eighteen, nineteen. Here we go. Mhmm. Mhmm. Okay. Yes. Yeah. Yeah. I wondered if we should be if I should be putting some more into high growth or not at this point. Okay. Mhmm. Yes. Yeah. It's yeah. Gotcha. Mhmm. Okay. Yep. Okay. Yes. Sounds perfect. Mhmm. Okay. Right. No. Mhmm. Yeah. It does. Thanks, Dana. Yep. I do. Mhmm. Mhmm. Okay. Yep. Yes. Okay. That's right. Yep. Mhmm. Okay. Mhmm. Yep. Mhmm. That's okay to do that? Yep. Okay. No. Because isn't it 132,000 is the limit for non concessional? Yeah. So I can keep just putting in my 200 or 300 or $4.90 if I've got it lying around. It's not lying around, but I'm I'm making conscious effort to just boost where I can. It's fine to do that without letting you know. Yeah. Okay. Yes. And I will be. Mhmm. Mhmm. Uh-huh. Yep. Mhmm. Mhmm. I'm good. Yeah. Okay. So that's good. Yeah. That's good to just keep just keep plugging away at that slowly but surely. That was my plan. Yeah. Yeah. Okay. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yes. Perfectly. Okay. Yep. Right. So that would vary if I was taking a TTR from earlier than '64, wouldn't it? Because I'm not I'm not yeah. Not a front in there. Mhmm. Okay. Yeah. Yeah. And if we decide not to do the TTR at that time next year, is that okay that we can just keep keep going as we are? Okay. If I'm managing okay. Yeah. Mhmm. I see. Yeah. Yeah. Yeah. Okay. Right. Okay. Yep. Okay then. Sounds great. So I just sort of wanted to make sure I'd be okay at 64 long. I'm thinking, oh, you know, I've got some coworkers who they they're 67 now, and they're still working. And I think I really don't think I can last that long. So I'm they're, you know, they're sort of still plugging along. But my advantage is is that the house is paid off and I have no debt. I mean, they look they could be paying big mortgage, you know, rents or something or other. So yeah. No. So, yeah, just by going it over with you, as you say, I should be okay to do that as as I as I plan. I'll I'll have enough coming in to keep me floating along. Okay. Yep. Mhmm. Sounds great. Yes. Yes. That's right. Because of just just it was a bit, as you say, one of the one or two of them was sort of underperforming. And I thought, oh, you know, with the time frame narrowing, I'm thinking, is there a way we can move some of those some of that into other investments as you're saying? Yeah. Mhmm. Yep. I got that here. Mhmm. Alright. Mhmm. Mhmm. Mhmm. Yep. Yep. Yes. Yes. K. Let's get rid of that. Yep. Okay. Mhmm. Mhmm. Mhmm. Wonderful. Mhmm. Mhmm. Okay. Yep. Okay. Mhmm. Yep. Yep. Given the flick. Exactly. Yep. Mhmm. Sure. Mhmm. Right. Mhmm. Yes. Mhmm. Brilliant. Very good. Mhmm. Love that. Mhmm. Yes. Mhmm. Mhmm. Cool. Yep. Excellent. Yep. Sounds good. Yes. Mhmm. Uh-huh. Okay. Yes. Yes. Wonderful. Thank you. No. No. It's good. Because I do a little bit of research. No. I think you've answered all my questions. Thank you, Dana. I do a little bit of research behind the scenes, and dad was into investing and this, that, and the other, but I've sort of been a bit more hands on with reading up about the different companies and the different share markets and things. So, yes, it's making sense to me. I really appreciate all those changes. That looks good. Mhmm. Mhmm. Yes. Great. K. Yeah. That's it. Yep. Alright. 24. Yep. Got that. Yep. Mhmm. Mhmm. Mhmm. Uh-huh. Yeah. Okay. Okay. Yep. Mhmm. Excellent. Thank you for that. Yeah. Yeah. That's fine. Yeah. I don't wanna be that old. Yes. There is. Yeah. Yeah. Yeah. I think it's I think it's 10% or something. It it's 1% per year or something, isn't it? Up to yes. Yes. How is it? Yeah. Oh, must have it. Yeah. Yeah. Yeah. Okay. Yes. Yes. We won't worry about that. Just a sec. Yes. All good. Yes. Oh, I see. Yeah. Yeah. Really? Yeah. Okay. Well, that's true. Mhmm. Yeah. Yes. It does. Yes. Okay. Okay. Yeah. Sounds good. So when you say lump sum sorry, Daniel. When you say lump sum, is that over 60 or or is that is that is there a certain age that you can start pulling out? Not that I'm planning to, but because I I wanna have something more in savings. But is it 60 that you're allowed to say I needed a new car? This one's 11 years old. Is there a certain age that I have to wait to be able to pull out? I don't know. 10 or 20 grand? 60 something. Oh, fully retired. Okay. Oh, right. In the course. Don't call it on there. From 60 four. Okay. And fully retired. Yep. Yeah. Right. So I don't really need to panic about putting thousands and thousands into savings. Is that sort of what we're saying? Put put more into put more into super and just plug away at building up the savings. Yeah. Alright. Okay. Yeah. Yeah. We'll see where we are then. Okay. Oh, that's a good idea. Yeah. Mhmm. Yes. Yeah. Okay. Sounds great. Yep. Yeah. Yes. Mhmm. That sounds great. Mhmm. Mhmm. Uh-huh. Okay. Okay. Mhmm. Mhmm. No. Mhmm. Mhmm. It does. Yeah. Who would you nominate, though, as your legal representative? It'll be a lawyer or someone, with it. Oh. Oh, you will. Yeah. Mhmm. I am due to have it updated. I I haven't had it done since after divorce. So, I mean, it does nominate yeah. It does just say to the two children, but I I probably should that was over ten years ago. So best to go and get a new one done, I guess, and then you've got we've got that done. Yeah. Nothing's changed. Mhmm. Yeah. No. Nothing's changed. Uh-huh. Okay. Uh-huh. Yeah. Okay. Yeah. No. That's okay. But I appreciate that you've touched on that because I didn't know that that was a thing to do. Would that be something we would look at down the track? Okay. Yeah. Just different ways. Yeah. Yeah. That's it. Yeah. Mhmm. Yeah. Yeah. One step at a time. Mhmm. Yeah. Yep. I agree. That looks great. Yeah. Yeah. Okay. Yeah. Okay. Yep. Mhmm. Yeah. Yeah. It's continuous. Yeah. Yeah. Right. Move things around. Mhmm. Yes. It does, Dana. Yep. Wonderful. That looks great. Well, I'll be curious to see how the new investments go. It's exciting, isn't it? Yeah. Okay. Where we up to? Yeah. Beautiful. Sounds perfect. Thank you very much. Okay. And then I have to click something. Alright. Yes. I can get in touch. Do I sign something? I'm just going down. Click to start. Alright. Mhmm. Yeah. I'm gonna do that. Yeah. I wanna absorb it. Yeah. Fantastic. I love that. And how long does that take to implement data? Selling down the shares we or the shares we don't want and all the funds we don't want and then repurchasing. Yeah. Because it's a long period of time or quite quick. Okay. Oh, wow. Okay. Yeah. Okay. Yeah. Yeah. Yeah. Yes. It's sluggish. Very sluggish. Yeah. Pulling everything down, isn't it? I shall. Mhmm. It's exciting. Thanks for that, Damon. No. No. It's all very clear. You're so good at explaining everything and in in in you know? So I appreciate that. Now you've covered everything. I had a little notepad with with questions on it, but we've gone over everything. So all good. Alright then. Well, thank you for your time and all your hard work. Lovely. Mhmm. Yeah. Okay. Okay. Sounds good. Perfect. Yes. Please. Yep. I don't know if you gave me that. Did you give me that when I was in there? I think I've got that. Yeah. But that's okay. Yeah. Yeah. That's fine. No problem. No problem. And I look up every now and then, I look up the different funds and just see where they're tracking. You know, I probably go into it too much, but I'm just curious. You know, I just like to have a look. And so, yeah, I'll be interested to have a look at these new funds once they're up and running. It's it's good. And just you just read about them. Yeah. I do. You're very good. Thank you. I look forward to that. Thank you so much, Dana. And you. Take care, won't you? Bye bye for now. 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Maria speaking. Good, Dana. How are you? Very, very lazy.\n\nIt's wonderful. It's a day off, so I'm just relaxing and not doing much at all. Yes. Yes. Absolutely.\n\nWe're expecting your call. Wonderful. Okay. Yes. Yes.\n\nI can. I've got my iPad here. I'll just yep. Alright. Okay.\n\nI'll just give it a tick. How you been going with it all? Oh, here we go. Signature request. Alright.\n\nMhmm. Yep. That's fine, Dana. Mhmm. Yeah.\n\nIt's Maria Catherine Bilker. '6 667, Unit 1082 To 4, Langport Parade, Madripa. Okay. I'll press on that. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. Mhmm.\n\nYes. That's right. Mhmm. Okay. So do we do anything at 60 or just continue on the way I'm going?\n\nDon't do it. Mhmm. Yes. Okay. Okay.\n\nOkay. Would I be withdrawing some at 60 if I needed if I wanted to or or no? Yeah. Yeah. Yes.\n\nThat's what I was thinking. Uh-huh. Mhmm. Right. Okay.\n\nSo what I'm trying to get my head around it. Do I so in March, we sort of implement a TTR. Is that what you're saying? And I'll draw a bit off that. Yeah.\n\nOkay. Oh, brilliant. Okay. Sounds good. Yeah.\n\nOh, okay. Oh, okay. Okay. Yeah. Yeah.\n\nOkay. So when you're in the TTR, if I've got my leftover monies, can I still put that back into my super? Say you've got just to re keep building it? Or is that what happened? Oh, okay.\n\nOkay. Just that it's still building till retirement sort of thing. Okay. I see. Mhmm.\n\nRight. You know it. Okay. Yeah. That'd be great.\n\nYes. Sounds great. Yep. Sounds great. Thanks, Diana.\n\nSeven. Mhmm. I think the income's a little less. That was one year I earned that much, but I've I've dropped today. So I think with my tax, it was $60 this past financial year.\n\n60 thousand, not the 75. Yeah. I was working four days, but yeah. Aged care. Yep.\n\nEverything else is great. Yep. Not much. I've got the emergency fund at 10,000 at the minute, and other savings is almost 5,000. And I'm just putting into that whatever I've got left out, you know, I'm making sure I'm building up my savings.\n\nDo you think with leaving work at 64, I should have a a a number in savings that I'm aiming for in to live on till pension? Not really. Okay. Mhmm. I see.\n\nMhmm. Okay. Oh, I see. Okay. Yes.\n\nYes. Yes. I'm thinking, oh, maybe I should aim for, I don't know, $50 in savings plus my emergency. You know, I'm sort of trying to think, okay. Yeah.\n\nBut as you're explaining, you draw it back off my off my super in the TTR when the time comes. Yeah. Okay. I I tend to worry. I think, oh, will I have enough?\n\nAnd then am I putting in enough? Or do I I need to keep working around. I don't wanna make don't really don't wanna work more than I have to, but I know I've gotta keep building it up, but I'm getting a bit tired. But we keep plodding along. Mhmm.\n\nMhmm. Okay. Absolutely. I'll just scroll down. You've been working hard on this, Dana.\n\nNow let me see. Seventeen, eighteen, nineteen. Here we go. Mhmm. Mhmm.\n\nOkay. Yes. Yeah. Yeah. I wondered if we should be if I should be putting some more into high growth or not at this point.\n\nOkay. Mhmm. Yes. Yeah. It's yeah.\n\nGotcha. Mhmm. Okay. Yep. Okay.\n\nYes. Sounds perfect. Mhmm. Okay. Right.\n\nNo. Mhmm. Yeah. It does. Thanks, Dana.\n\nYep. I do. Mhmm. Mhmm. Okay.\n\nYep. Yes. Okay. That's right. Yep.\n\nMhmm. Okay. Mhmm. Yep. Mhmm.\n\nThat's okay to do that? Yep. Okay. No. Because isn't it 132,000 is the limit for non concessional?\n\nYeah. So I can keep just putting in my 200 or 300 or $4.90 if I've got it lying around. It's not lying around, but I'm I'm making conscious effort to just boost where I can. It's fine to do that without letting you know. Yeah.\n\nOkay. Yes. And I will be. Mhmm. Mhmm.\n\nUh-huh. Yep. Mhmm. Mhmm. I'm good.\n\nYeah. Okay. So that's good. Yeah. That's good to just keep just keep plugging away at that slowly but surely.\n\nThat was my plan. Yeah. Yeah. Okay. Okay.\n\nMhmm. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYes. Perfectly. Okay. Yep. Right.\n\nSo that would vary if I was taking a TTR from earlier than '64, wouldn't it? Because I'm not I'm not yeah. Not a front in there. Mhmm. Okay.\n\nYeah. Yeah. And if we decide not to do the TTR at that time next year, is that okay that we can just keep keep going as we are? Okay. If I'm managing okay.\n\nYeah. Mhmm. I see. Yeah. Yeah.\n\nYeah. Okay. Right. Okay. Yep.\n\nOkay then. Sounds great. So I just sort of wanted to make sure I'd be okay at 64 long. I'm thinking, oh, you know, I've got some coworkers who they they're 67 now, and they're still working. And I think I really don't think I can last that long.\n\nSo I'm they're, you know, they're sort of still plugging along. But my advantage is is that the house is paid off and I have no debt. I mean, they look they could be paying big mortgage, you know, rents or something or other. So yeah. No.\n\nSo, yeah, just by going it over with you, as you say, I should be okay to do that as as I as I plan. I'll I'll have enough coming in to keep me floating along. Okay. Yep. Mhmm.\n\nSounds great. Yes. Yes. That's right. Because of just just it was a bit, as you say, one of the one or two of them was sort of underperforming.\n\nAnd I thought, oh, you know, with the time frame narrowing, I'm thinking, is there a way we can move some of those some of that into other investments as you're saying? Yeah. Mhmm. Yep. I got that here.\n\nMhmm. Alright. Mhmm. Mhmm. Mhmm.\n\nYep. Yep. Yes. Yes. K.\n\nLet's get rid of that. Yep. Okay. Mhmm. Mhmm.\n\nMhmm. Wonderful. Mhmm. Mhmm. Okay.\n\nYep. Okay. Mhmm. Yep. Yep.\n\nGiven the flick. Exactly. Yep. Mhmm. Sure.\n\nMhmm. Right. Mhmm. Yes. Mhmm.\n\nBrilliant. Very good. Mhmm. Love that. Mhmm.\n\nYes. Mhmm. Mhmm. Cool. Yep.\n\nExcellent. Yep. Sounds good. Yes. Mhmm.\n\nUh-huh. Okay. Yes. Yes. Wonderful.\n\nThank you. No. No. It's good. Because I do a little bit of research.\n\nNo. I think you've answered all my questions. Thank you, Dana. I do a little bit of research behind the scenes, and dad was into investing and this, that, and the other, but I've sort of been a bit more hands on with reading up about the different companies and the different share markets and things. So, yes, it's making sense to me.\n\nI really appreciate all those changes. That looks good. Mhmm. Mhmm. Yes.\n\nGreat. K. Yeah. That's it. Yep.\n\nAlright. 24. Yep. Got that. Yep.\n\nMhmm. Mhmm. Mhmm. Uh-huh. Yeah.\n\nOkay. Okay. Yep. Mhmm. Excellent.\n\nThank you for that. Yeah. Yeah. That's fine. Yeah.\n\nI don't wanna be that old. Yes. There is. Yeah. Yeah.\n\nYeah. I think it's I think it's 10% or something. It it's 1% per year or something, isn't it? Up to yes. Yes.\n\nHow is it? Yeah. Oh, must have it. Yeah. Yeah.\n\nYeah. Okay. Yes. Yes. We won't worry about that.\n\nJust a sec. Yes. All good. Yes. Oh, I see.\n\nYeah. Yeah. Really? Yeah. Okay.\n\nWell, that's true. Mhmm. Yeah. Yes. It does.\n\nYes. Okay. Okay. Yeah. Sounds good.\n\nSo when you say lump sum sorry, Daniel. When you say lump sum, is that over 60 or or is that is that is there a certain age that you can start pulling out? Not that I'm planning to, but because I I wanna have something more in savings. But is it 60 that you're allowed to say I needed a new car? This one's 11 years old.\n\nIs there a certain age that I have to wait to be able to pull out? I don't know. 10 or 20 grand? 60 something. Oh, fully retired.\n\nOkay. Oh, right. In the course. Don't call it on there. From 60 four.\n\nOkay. And fully retired. Yep. Yeah. Right.\n\nSo I don't really need to panic about putting thousands and thousands into savings. Is that sort of what we're saying? Put put more into put more into super and just plug away at building up the savings. Yeah. Alright.\n\nOkay. Yeah. Yeah. We'll see where we are then. Okay.\n\nOh, that's a good idea. Yeah. Mhmm. Yes. Yeah.\n\nOkay. Sounds great. Yep. Yeah. Yes.\n\nMhmm. That sounds great. Mhmm. Mhmm. Uh-huh.\n\nOkay. Okay. Mhmm. Mhmm. No.\n\nMhmm. Mhmm. It does. Yeah. Who would you nominate, though, as your legal representative?\n\nIt'll be a lawyer or someone, with it. Oh. Oh, you will. Yeah. Mhmm.\n\nI am due to have it updated. I I haven't had it done since after divorce. So, I mean, it does nominate yeah. It does just say to the two children, but I I probably should that was over ten years ago. So best to go and get a new one done, I guess, and then you've got we've got that done.\n\nYeah. Nothing's changed. Mhmm. Yeah. No.\n\nNothing's changed. Uh-huh. Okay. Uh-huh. Yeah.\n\nOkay. Yeah. No. That's okay. But I appreciate that you've touched on that because I didn't know that that was a thing to do.\n\nWould that be something we would look at down the track? Okay. Yeah. Just different ways. Yeah.\n\nYeah. That's it. Yeah. Mhmm. Yeah.\n\nYeah. One step at a time. Mhmm. Yeah. Yep.\n\nI agree. That looks great. Yeah. Yeah. Okay.\n\nYeah. Okay. Yep. Mhmm. Yeah.\n\nYeah. It's continuous. Yeah. Yeah. Right.\n\nMove things around. Mhmm. Yes. It does, Dana. Yep.\n\nWonderful. That looks great. Well, I'll be curious to see how the new investments go. It's exciting, isn't it? Yeah.\n\nOkay. Where we up to? Yeah. Beautiful. Sounds perfect.\n\nThank you very much. Okay. And then I have to click something. Alright. Yes.\n\nI can get in touch. Do I sign something? I'm just going down. Click to start. Alright.\n\nMhmm. Yeah. I'm gonna do that. Yeah. I wanna absorb it.\n\nYeah. Fantastic. I love that. And how long does that take to implement data? Selling down the shares we or the shares we don't want and all the funds we don't want and then repurchasing.\n\nYeah. Because it's a long period of time or quite quick. Okay. Oh, wow. Okay.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYes. It's sluggish. Very sluggish. Yeah. Pulling everything down, isn't it?\n\nI shall. Mhmm. It's exciting. Thanks for that, Damon. No.\n\nNo. It's all very clear. You're so good at explaining everything and in in in you know? So I appreciate that. Now you've covered everything.\n\nI had a little notepad with with questions on it, but we've gone over everything. So all good. Alright then. Well, thank you for your time and all your hard work. Lovely.\n\nMhmm. Yeah. Okay. Okay. Sounds good.\n\nPerfect. Yes. Please. Yep. I don't know if you gave me that.\n\nDid you give me that when I was in there? I think I've got that. Yeah. But that's okay. Yeah.\n\nYeah. That's fine. No problem. No problem. And I look up every now and then, I look up the different funds and just see where they're tracking.\n\nYou know, I probably go into it too much, but I'm just curious. You know, I just like to have a look. And so, yeah, I'll be interested to have a look at these new funds once they're up and running. It's it's good. And just you just read about them.\n\nYeah. I do. You're very good. Thank you. I look forward to that.\n\nThank you so much, Dana. And you. Take care, won't you? Bye bye for now. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.025855617597699165},{"text":"Maria speaking.","start":1.92,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.023782706819474697},{"text":"Good, Dana.","start":6.08,"end":7.06,"sentiment":"positive","sentiment_score":0.39468061923980713},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.28263844052950543},{"text":"Very, very lazy.","start":12.4,"end":13.62,"sentiment":"neutral","sentiment_score":0.002597428858280182}],"sentiment":"neutral","sentiment_score":0.15622635253451087,"num_words":11,"start":1.4399999,"end":13.62},{"sentences":[{"text":"It's wonderful.","start":15.785,"end":16.605,"sentiment":"positive","sentiment_score":0.7422490417957306},{"text":"It's a day off, so I'm just relaxing and not doing much at 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call.","start":33.47,"end":34.67,"sentiment":"neutral","sentiment_score":0.17793899029493332},{"text":"Wonderful.","start":34.67,"end":35.17,"sentiment":"positive","sentiment_score":0.5232551097869873},{"text":"Okay.","start":38.510002,"end":39.010002,"sentiment":"neutral","sentiment_score":0.06284047663211823},{"text":"Yes.","start":40.335,"end":40.734997,"sentiment":"neutral","sentiment_score":0.0645696148276329},{"text":"Yes.","start":40.734997,"end":40.975,"sentiment":"neutral","sentiment_score":0.08832783997058868}],"sentiment":"neutral","sentiment_score":0.18134362529963255,"num_words":8,"start":33.47,"end":40.975},{"sentences":[{"text":"I can.","start":40.975,"end":41.454998,"sentiment":"neutral","sentiment_score":0.1135278157889843},{"text":"I've got my iPad here.","start":41.454998,"end":42.815,"sentiment":"neutral","sentiment_score":0.15805469155311586},{"text":"I'll just yep.","start":42.815,"end":44.195,"sentiment":"neutral","sentiment_score":0.12031218161185582},{"text":"Alright.","start":48.254997,"end":48.754997,"sentiment":"neutral","sentiment_score":0.11471450328826904},{"text":"Okay.","start":51.934998,"end":52.434998,"sentiment":"neutral","sentiment_score":0.09009724855422974}],"sentiment":"neutral","sentiment_score":0.13192311550180116,"num_words":12,"start":40.975,"end":52.434998},{"sentences":[{"text":"I'll just give it a tick.","start":52.894997,"end":54.515,"sentiment":"neutral","sentiment_score":0.09116436292727788},{"text":"How you been going with it all?","start":56.48,"end":57.76,"sentiment":"neutral","sentiment_score":0.08503444705690656},{"text":"Oh, here we go.","start":57.76,"end":58.48,"sentiment":"neutral","sentiment_score":0.03165500983595848},{"text":"Signature request.","start":58.48,"end":59.54,"sentiment":"neutral","sentiment_score":0.061949349939823144},{"text":"Alright.","start":60.079998,"end":60.579998,"sentiment":"neutral","sentiment_score":0.18868935108184817}],"sentiment":"neutral","sentiment_score":0.07907176986336709,"num_words":20,"start":52.894997,"end":60.579998},{"sentences":[{"text":"Mhmm.","start":67.92,"end":68.42,"sentiment":"neutral","sentiment_score":0.1014043465256691},{"text":"Yep.","start":70.305,"end":70.625,"sentiment":"neutral","sentiment_score":0.08327016234397888},{"text":"That's fine, Dana.","start":70.625,"end":71.925,"sentiment":"neutral","sentiment_score":0.18552713096141815},{"text":"Mhmm.","start":75.585,"end":76.085,"sentiment":"neutral","sentiment_score":0.099374458193779},{"text":"Yeah.","start":79.025,"end":79.345,"sentiment":"neutral","sentiment_score":0.04087158665060997}],"sentiment":"neutral","sentiment_score":0.12592884951404162,"num_words":7,"start":67.92,"end":79.345},{"sentences":[{"text":"It's Maria Catherine Bilker.","start":79.345,"end":81.285,"sentiment":"neutral","sentiment_score":0.0286790463142097},{"text":"'6 667, Unit 1082 To 4, Langport Parade, Madripa.","start":81.92,"end":89.14,"sentiment":"neutral","sentiment_score":0.037740404821104474},{"text":"Okay.","start":99.975,"end":100.475,"sentiment":"neutral","sentiment_score":0.06581083685159683},{"text":"I'll press on 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right.","start":164.555,"end":165.375,"sentiment":"neutral","sentiment_score":0.07277705147862434},{"text":"Mhmm.","start":192.215,"end":192.715,"sentiment":"neutral","sentiment_score":0.04128164052963257},{"text":"Okay.","start":202.94,"end":203.44,"sentiment":"neutral","sentiment_score":0.0021957550197839737},{"text":"So do we do anything at 60 or just continue on the way I'm going?","start":203.82,"end":208.54001,"sentiment":"neutral","sentiment_score":-0.016054200939834118}],"sentiment":"neutral","sentiment_score":0.0006915694568306208,"num_words":20,"start":164.315,"end":208.54001},{"sentences":[{"text":"Don't do 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okay.","start":405.84,"end":406.66,"sentiment":"neutral","sentiment_score":0.13565564155578613},{"text":"Okay.","start":411.73502,"end":412.23502,"sentiment":"neutral","sentiment_score":0.19951669871807096},{"text":"Yeah.","start":416.215,"end":416.715,"sentiment":"neutral","sentiment_score":0.07403165102005005},{"text":"Yeah.","start":417.015,"end":417.515,"sentiment":"neutral","sentiment_score":0.052303969860076904}],"sentiment":"neutral","sentiment_score":0.12315582377570015,"num_words":7,"start":365.45502,"end":417.515},{"sentences":[{"text":"Okay.","start":418.375,"end":418.875,"sentiment":"neutral","sentiment_score":0.04785943031311035},{"text":"So when you're in the TTR, if I've got my leftover monies, can I still put that back into my super?","start":421.815,"end":428.78,"sentiment":"neutral","sentiment_score":0.03958149413977351},{"text":"Say you've got just to re keep building 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Diana.","start":502.505,"end":503.325,"sentiment":"positive","sentiment_score":0.49065573513507843}],"sentiment":"neutral","sentiment_score":0.3134743794798851,"num_words":8,"start":495.29,"end":503.325},{"sentences":[{"text":"Seven.","start":508.18503,"end":508.68503,"sentiment":"neutral","sentiment_score":0.04172620549798012},{"text":"Mhmm.","start":511.14502,"end":511.64502,"sentiment":"neutral","sentiment_score":0.010982630774378777},{"text":"I think the income's a little less.","start":520.62,"end":522.63995,"sentiment":"neutral","sentiment_score":-0.13896474880831583},{"text":"That was one year I earned that much, but I've I've dropped today.","start":523.18,"end":526.635,"sentiment":"neutral","sentiment_score":-0.10906846047593997},{"text":"So I think with my tax, it was $60 this past financial 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time.","start":2756.24,"end":2757.44,"sentiment":"neutral","sentiment_score":0.1191188558936119},{"text":"Mhmm.","start":2757.44,"end":2757.94,"sentiment":"neutral","sentiment_score":0.10030389577150343},{"text":"Yeah.","start":2758.08,"end":2758.58,"sentiment":"neutral","sentiment_score":0.16469956934452057},{"text":"Yep.","start":2764.72,"end":2765.22,"sentiment":"neutral","sentiment_score":0.3033296465873718}],"sentiment":"neutral","sentiment_score":0.13814697331852382,"num_words":9,"start":2756.0,"end":2765.22},{"sentences":[{"text":"I agree.","start":2765.44,"end":2766.18,"sentiment":"neutral","sentiment_score":0.22932587563991547},{"text":"That looks great.","start":2771.115,"end":2772.335,"sentiment":"positive","sentiment_score":0.44295433163642883},{"text":"Yeah.","start":2772.475,"end":2772.975,"sentiment":"neutral","sentiment_score":0.2943657338619232},{"text":"Yeah.","start":2775.915,"end":2776.235,"sentiment":"neutral","sentiment_score":0.17269988358020782},{"text":"Okay.","start":2776.235,"end":2776.735,"sentiment":"neutral","sentiment_score":0.16671422123908997}],"sentiment":"neutral","sentiment_score":0.3026618231087923,"num_words":8,"start":2765.44,"end":2776.735},{"sentences":[{"text":"Yeah.","start":2780.315,"end":2780.815,"sentiment":"neutral","sentiment_score":0.1524137258529663},{"text":"Okay.","start":2783.7998,"end":2784.2998,"sentiment":"neutral","sentiment_score":0.056674323976039886},{"text":"Yep.","start":2786.76,"end":2787.26,"sentiment":"neutral","sentiment_score":0.03807545080780983},{"text":"Mhmm.","start":2798.325,"end":2798.825,"sentiment":"neutral","sentiment_score":0.01512091513723135},{"text":"Yeah.","start":2805.765,"end":2806.265,"sentiment":"neutral","sentiment_score":0.012379525229334831}],"sentiment":"neutral","sentiment_score":0.054932788200676444,"num_words":5,"start":2780.315,"end":2806.265},{"sentences":[{"text":"Yeah.","start":2806.405,"end":2806.905,"sentiment":"neutral","sentiment_score":0.011516716331243517},{"text":"It's continuous.","start":2811.365,"end":2812.265,"sentiment":"neutral","sentiment_score":0.014599144924432038},{"text":"Yeah.","start":2812.565,"end":2812.885,"sentiment":"neutral","sentiment_score":0.028397783637046817},{"text":"Yeah.","start":2812.885,"end":2813.385,"sentiment":"neutral","sentiment_score":0.03374302759766579},{"text":"Right.","start":2827.01,"end":2827.51,"sentiment":"neutral","sentiment_score":0.03036211058497429}],"sentiment":"neutral","sentiment_score":0.022202987999965746,"num_words":6,"start":2806.405,"end":2827.51},{"sentences":[{"text":"Move things around.","start":2829.135,"end":2838.895,"sentiment":"neutral","sentiment_score":0.027431078255176544},{"text":"Mhmm.","start":2838.895,"end":2839.295,"sentiment":"neutral","sentiment_score":0.00997563824057579},{"text":"Yes.","start":2839.295,"end":2839.615,"sentiment":"neutral","sentiment_score":0.06894384324550629},{"text":"It does, Dana.","start":2839.615,"end":2840.735,"sentiment":"neutral","sentiment_score":0.10373594115177791},{"text":"Yep.","start":2840.735,"end":2841.135,"sentiment":"neutral","sentiment_score":0.19027581810951233}],"sentiment":"neutral","sentiment_score":0.07363292864627308,"num_words":9,"start":2829.135,"end":2841.135},{"sentences":[{"text":"Wonderful.","start":2841.135,"end":2841.635,"sentiment":"positive","sentiment_score":0.5105193257331848},{"text":"That looks great.","start":2843.36,"end":2844.58,"sentiment":"positive","sentiment_score":0.6280878186225891},{"text":"Well, I'll be curious to see how the new investments go.","start":2846.0,"end":2849.36,"sentiment":"neutral","sentiment_score":0.04128456809981303},{"text":"It's exciting, isn't it?","start":2849.36,"end":2851.1401,"sentiment":"neutral","sentiment_score":0.052228987915441394},{"text":"Yeah.","start":2852.1602,"end":2852.6602,"sentiment":"neutral","sentiment_score":0.0829334408044815}],"sentiment":"neutral","sentiment_score":0.15703812115825713,"num_words":20,"start":2841.135,"end":2852.6602},{"sentences":[{"text":"Okay.","start":2858.555,"end":2859.055,"sentiment":"neutral","sentiment_score":0.08542752265930176},{"text":"Where we up to?","start":2862.9548,"end":2864.095,"sentiment":"neutral","sentiment_score":0.0289021129719913},{"text":"Yeah.","start":2864.555,"end":2865.055,"sentiment":"neutral","sentiment_score":0.08216267824172974},{"text":"Beautiful.","start":2871.42,"end":2871.92,"sentiment":"positive","sentiment_score":0.5389204025268555},{"text":"Sounds perfect.","start":2872.6199,"end":2873.52,"sentiment":"positive","sentiment_score":0.6191831529140472}],"sentiment":"neutral","sentiment_score":0.22894281790488297,"num_words":9,"start":2858.555,"end":2873.52},{"sentences":[{"text":"Thank you very much.","start":2876.78,"end":2878.16,"sentiment":"positive","sentiment_score":0.40967560559511185},{"text":"Okay.","start":2882.3,"end":2882.78,"sentiment":"neutral","sentiment_score":0.12186014652252196},{"text":"And then I have to click something.","start":2882.78,"end":2884.4,"sentiment":"neutral","sentiment_score":0.09179442375898361},{"text":"Alright.","start":2884.78,"end":2885.26,"sentiment":"neutral","sentiment_score":0.09163101762533188},{"text":"Yes.","start":2885.26,"end":2885.74,"sentiment":"neutral","sentiment_score":0.06940507143735886}],"sentiment":"neutral","sentiment_score":0.18315425887703896,"num_words":14,"start":2876.78,"end":2885.74},{"sentences":[{"text":"I can get in touch.","start":2885.74,"end":2886.795,"sentiment":"neutral","sentiment_score":0.06281107887625695},{"text":"Do I sign something?","start":2887.4348,"end":2888.575,"sentiment":"neutral","sentiment_score":0.009304673178121448},{"text":"I'm just going down.","start":2889.515,"end":2890.635,"sentiment":"neutral","sentiment_score":0.01655438356101513},{"text":"Click to start.","start":2890.635,"end":2891.615,"sentiment":"neutral","sentiment_score":0.029273228719830513},{"text":"Alright.","start":2891.755,"end":2892.255,"sentiment":"neutral","sentiment_score":0.05689540132880211}],"sentiment":"neutral","sentiment_score":0.03307098287212498,"num_words":17,"start":2885.74,"end":2892.255},{"sentences":[{"text":"Mhmm.","start":2892.875,"end":2893.375,"sentiment":"neutral","sentiment_score":0.06309819966554642},{"text":"Yeah.","start":2900.5898,"end":2900.91,"sentiment":"neutral","sentiment_score":0.010851248167455196},{"text":"I'm gonna do that.","start":2900.91,"end":2901.8699,"sentiment":"neutral","sentiment_score":-0.004394870018586516},{"text":"Yeah.","start":2901.8699,"end":2902.03,"sentiment":"neutral","sentiment_score":0.027342714369297028},{"text":"I wanna absorb it.","start":2902.03,"end":2903.23,"sentiment":"neutral","sentiment_score":0.04683839250355959}],"sentiment":"neutral","sentiment_score":0.024642386558380993,"num_words":11,"start":2892.875,"end":2903.23},{"sentences":[{"text":"Yeah.","start":2903.23,"end":2903.73,"sentiment":"neutral","sentiment_score":0.14125822484493256},{"text":"Fantastic.","start":2913.195,"end":2913.695,"sentiment":"positive","sentiment_score":0.7711575627326965},{"text":"I love that.","start":2913.995,"end":2914.715,"sentiment":"positive","sentiment_score":0.7682306965192159},{"text":"And how long does that take to implement data?","start":2914.715,"end":2917.0352,"sentiment":"neutral","sentiment_score":0.16813044167227215},{"text":"Selling down the shares we or the shares we don't want and all the funds we don't want and then repurchasing.","start":2917.0352,"end":2924.0151,"sentiment":"neutral","sentiment_score":0.02054166638602813}],"sentiment":"neutral","sentiment_score":0.1474759098940662,"num_words":35,"start":2903.23,"end":2924.0151},{"sentences":[{"text":"Yeah.","start":2924.955,"end":2925.355,"sentiment":"neutral","sentiment_score":0.06596031039953232},{"text":"Because it's a long period of time or quite quick.","start":2925.355,"end":2928.3352,"sentiment":"neutral","sentiment_score":0.09008427187800408},{"text":"Okay.","start":2931.05,"end":2931.55,"sentiment":"neutral","sentiment_score":0.05979331210255623},{"text":"Oh, wow.","start":2934.81,"end":2935.53,"sentiment":"neutral","sentiment_score":-0.027016825973987576},{"text":"Okay.","start":2935.53,"end":2936.03,"sentiment":"neutral","sentiment_score":-0.05669790878891945}],"sentiment":"neutral","sentiment_score":0.061057652036348976,"num_words":15,"start":2924.955,"end":2936.03},{"sentences":[{"text":"Yeah.","start":2936.81,"end":2937.31,"sentiment":"neutral","sentiment_score":-0.05872891843318939},{"text":"Okay.","start":2942.8901,"end":2943.3901,"sentiment":"neutral","sentiment_score":-0.05158212035894394},{"text":"Yeah.","start":2943.895,"end":2944.395,"sentiment":"neutral","sentiment_score":-0.04089806228876114},{"text":"Yeah.","start":2944.7751,"end":2945.2751,"sentiment":"neutral","sentiment_score":-0.05223563686013222},{"text":"Yeah.","start":2948.0552,"end":2948.5552,"sentiment":"neutral","sentiment_score":-0.09958779066801073}],"sentiment":"neutral","sentiment_score":-0.06060650572180748,"num_words":5,"start":2936.81,"end":2948.5552},{"sentences":[{"text":"Yes.","start":2950.8552,"end":2951.3552,"sentiment":"neutral","sentiment_score":-0.08577053993940353},{"text":"It's sluggish.","start":2951.495,"end":2952.475,"sentiment":"neutral","sentiment_score":-0.23183133453130725},{"text":"Very sluggish.","start":2953.0952,"end":2953.8352,"sentiment":"neutral","sentiment_score":-0.2561342716217041},{"text":"Yeah.","start":2954.5352,"end":2955.0352,"sentiment":"neutral","sentiment_score":-0.03666899353265762},{"text":"Pulling everything down, isn't it?","start":2956.6702,"end":2958.53,"sentiment":"neutral","sentiment_score":-0.0386121429502964}],"sentiment":"neutral","sentiment_score":-0.11740286004814235,"num_words":11,"start":2950.8552,"end":2958.53},{"sentences":[{"text":"I shall.","start":2962.59,"end":2963.33,"sentiment":"neutral","sentiment_score":0.061983030289411545},{"text":"Mhmm.","start":2969.685,"end":2970.185,"sentiment":"neutral","sentiment_score":0.14202472567558289},{"text":"It's exciting.","start":2973.845,"end":2974.665,"sentiment":"positive","sentiment_score":0.5338989198207855},{"text":"Thanks for that, Damon.","start":2974.885,"end":2976.185,"sentiment":"positive","sentiment_score":0.4241666216403246},{"text":"No.","start":2981.7651,"end":2982.2651,"sentiment":"neutral","sentiment_score":-0.08925295621156693}],"sentiment":"neutral","sentiment_score":0.29412021562457086,"num_words":10,"start":2962.59,"end":2982.2651},{"sentences":[{"text":"No.","start":2983.4001,"end":2983.7202,"sentiment":"neutral","sentiment_score":-0.05417383462190628},{"text":"It's all very clear.","start":2983.7202,"end":2985.0,"sentiment":"neutral","sentiment_score":0.0773468529805541},{"text":"You're so good at explaining everything and in in in you know?","start":2985.0,"end":2989.4001,"sentiment":"neutral","sentiment_score":0.26136400488515693},{"text":"So I appreciate that.","start":2989.4001,"end":2990.78,"sentiment":"positive","sentiment_score":0.344678558409214},{"text":"Now you've covered everything.","start":2991.0,"end":2992.12,"sentiment":"neutral","sentiment_score":0.1302088499069214}],"sentiment":"neutral","sentiment_score":0.2116452507674694,"num_words":25,"start":2983.4001,"end":2992.12},{"sentences":[{"text":"I had a little notepad with with questions on it, but we've gone over everything.","start":2992.12,"end":2995.74,"sentiment":"neutral","sentiment_score":0.14464944501717886},{"text":"So all good.","start":2995.8801,"end":2997.6602,"sentiment":"positive","sentiment_score":0.6075630187988281},{"text":"Alright then.","start":3000.415,"end":3001.215,"sentiment":"positive","sentiment_score":0.3388943672180176},{"text":"Well, thank you for your time and all your hard work.","start":3001.215,"end":3004.195,"sentiment":"positive","sentiment_score":0.4821771898052909},{"text":"Lovely.","start":3008.7349,"end":3009.2349,"sentiment":"positive","sentiment_score":0.40231436491012573}],"sentiment":"neutral","sentiment_score":0.324265091214329,"num_words":32,"start":2992.12,"end":3009.2349},{"sentences":[{"text":"Mhmm.","start":3010.575,"end":3011.075,"sentiment":"neutral","sentiment_score":0.030293865129351616},{"text":"Yeah.","start":3015.93,"end":3016.43,"sentiment":"neutral","sentiment_score":0.020258594304323196},{"text":"Okay.","start":3031.155,"end":3031.655,"sentiment":"neutral","sentiment_score":0.03914442285895347},{"text":"Okay.","start":3031.955,"end":3032.455,"sentiment":"neutral","sentiment_score":0.1315118968486786},{"text":"Sounds good.","start":3032.675,"end":3033.5752,"sentiment":"neutral","sentiment_score":0.31255292892456055}],"sentiment":"neutral","sentiment_score":0.14105243949840465,"num_words":6,"start":3010.575,"end":3033.5752},{"sentences":[{"text":"Perfect.","start":3034.995,"end":3035.495,"sentiment":"neutral","sentiment_score":0.26712724566459656},{"text":"Yes.","start":3038.2751,"end":3038.7751,"sentiment":"neutral","sentiment_score":0.07884819060564041},{"text":"Please.","start":3041.155,"end":3041.655,"sentiment":"neutral","sentiment_score":0.08910074084997177},{"text":"Yep.","start":3042.68,"end":3043.18,"sentiment":"neutral","sentiment_score":0.061438433825969696},{"text":"I don't know if you gave me that.","start":3046.5198,"end":3048.2998,"sentiment":"neutral","sentiment_score":0.014639142667874694}],"sentiment":"neutral","sentiment_score":0.051135646024098,"num_words":12,"start":3034.995,"end":3048.2998},{"sentences":[{"text":"Did you give me that when I was in there?","start":3048.5198,"end":3050.2397,"sentiment":"neutral","sentiment_score":-0.00010109730064868926},{"text":"I think I've got that.","start":3050.2397,"end":3051.5,"sentiment":"neutral","sentiment_score":0.006213788129389286},{"text":"Yeah.","start":3051.5598,"end":3051.7998,"sentiment":"neutral","sentiment_score":0.02143426425755024},{"text":"But that's okay.","start":3051.7998,"end":3052.7798,"sentiment":"neutral","sentiment_score":0.030747059732675552},{"text":"Yeah.","start":3053.5598,"end":3053.895,"sentiment":"neutral","sentiment_score":0.01784934476017952}],"sentiment":"neutral","sentiment_score":0.008079137792810798,"num_words":20,"start":3048.5198,"end":3053.895},{"sentences":[{"text":"Yeah.","start":3055.2551,"end":3055.575,"sentiment":"neutral","sentiment_score":0.0289514921605587},{"text":"That's fine.","start":3055.575,"end":3056.475,"sentiment":"neutral","sentiment_score":0.07797622680664062},{"text":"No problem.","start":3059.415,"end":3060.235,"sentiment":"neutral","sentiment_score":0.04332341253757477},{"text":"No problem.","start":3060.775,"end":3061.415,"sentiment":"neutral","sentiment_score":0.028877677395939827},{"text":"And I look up every now and then, I look up the different funds and just see where they're tracking.","start":3061.415,"end":3065.735,"sentiment":"neutral","sentiment_score":0.05304798032157123}],"sentiment":"neutral","sentiment_score":0.05149132341008495,"num_words":27,"start":3055.2551,"end":3065.735},{"sentences":[{"text":"You know, I probably go into it too much, but I'm just curious.","start":3065.735,"end":3068.7002,"sentiment":"neutral","sentiment_score":-0.0031712644805128756},{"text":"You know, I just like to have a look.","start":3068.7002,"end":3070.6,"sentiment":"neutral","sentiment_score":0.2728705596592691},{"text":"And so, yeah, I'll be interested to have a look at these new funds once they're up and running.","start":3070.6602,"end":3074.84,"sentiment":"neutral","sentiment_score":0.27267608360240336},{"text":"It's it's good.","start":3075.1401,"end":3076.2002,"sentiment":"positive","sentiment_score":0.8182369669278463},{"text":"And just you just read about them.","start":3076.58,"end":3078.6802,"sentiment":"positive","sentiment_score":0.3899976313114166}],"sentiment":"neutral","sentiment_score":0.2505911471979583,"num_words":51,"start":3065.735,"end":3078.6802},{"sentences":[{"text":"Yeah.","start":3079.1401,"end":3079.6401,"sentiment":"neutral","sentiment_score":0.10722284764051436},{"text":"I do.","start":3085.955,"end":3086.615,"sentiment":"neutral","sentiment_score":0.19716032594442368},{"text":"You're very good.","start":3088.275,"end":3089.335,"sentiment":"positive","sentiment_score":0.753226657708486},{"text":"Thank you.","start":3089.395,"end":3090.135,"sentiment":"positive","sentiment_score":0.6497372090816498},{"text":"I look forward to that.","start":3093.0698,"end":3094.27,"sentiment":"positive","sentiment_score":0.7414776682853699}],"sentiment":"positive","sentiment_score":0.5975450947880745,"num_words":13,"start":3079.1401,"end":3094.27},{"sentences":[{"text":"Thank you so much, Dana.","start":3094.27,"end":3095.65,"sentiment":"positive","sentiment_score":0.8452985048294067},{"text":"And you.","start":3099.71,"end":3100.43,"sentiment":"positive","sentiment_score":0.34346115589141846},{"text":"Take care, won't you?","start":3100.43,"end":3101.8098,"sentiment":"neutral","sentiment_score":0.31123267859220505},{"text":"Bye bye for now.","start":3104.27,"end":3105.15,"sentiment":"neutral","sentiment_score":0.12025291658937931},{"text":"Bye bye.","start":3105.15,"end":3105.8098,"sentiment":"neutral","sentiment_score":0.10227571055293083}],"sentiment":"positive","sentiment_score":0.40258286104482766,"num_words":17,"start":3094.27,"end":3105.8098}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Maria speaking.\n\nChannel 0: Hi, Maria. It's Dana. How are you?\n\nChannel 1: Good, Dana. How are you?\n\nChannel 0: I'm very well. Thank you. How's your day being so far?\n\nChannel 1: Very, very lazy.\n\nChannel 0: Oh, that's good.\n\nChannel 1: It's wonderful.\n\nChannel 0: That's a good\n\nChannel 1: It's a day off, so I'm just relaxing and not doing much at all.\n\nChannel 0: oh, that's really good. I'm glad. Maria, 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: Yes. Yes. Absolutely. We're\n\nChannel 0: Yep.\n\nChannel 1: expecting your call. Wonderful.\n\nChannel 0: Fantastic. I'm just gonna email it through to you. Are you able\n\nChannel 1: Okay.\n\nChannel 0: to jump into your emails there at all?\n\nChannel 1: Yes. Yes. I can. I've got my iPad\n\nChannel 0: Perfect.\n\nChannel 1: here. I'll just yep.\n\nChannel 0: Perfect. I've just sent it through now. It should come through from\n\nChannel 1: Alright.\n\nChannel 0: either OdooSign or Dana or Oakview Financial.\n\nChannel 1: Okay. I'll just give it a tick. How you been going with it all? Oh, here we go. Signature\n\nChannel 0: Yeah. Good.\n\nChannel 1: request.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Fantastic. Now before we jump into the call completely and start going through things, just to let you know we do record our calls for quality and training purposes. Are you\n\nChannel 1: Mhmm.\n\nChannel 0: happy for me to proceed with that moving forward?\n\nChannel 1: Yep. That's fine, Dana.\n\nChannel 0: Fantastic. And I'll do a really quick security check there for you just to confirm\n\nChannel 1: Mhmm.\n\nChannel 0: your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. It's Maria Catherine Bilker. '6\n\nChannel 0: Yep.\n\nChannel 1: 667, Unit 1082 To 4, Langport Parade, Madripa.\n\nChannel 0: Beautiful. Thank you so much for that. Now with that email, you should see there if you press the button that says sign here, it lets you go forward so you can see the advice document.\n\nChannel 1: Okay. I'll press on that.\n\nChannel 0: Yep. And on the front page, you should see statement of advice prepared for Maria Bilkert as of the 08/24/2026.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Beautiful. On the bottom of that same front page, you've got all prepared for Dana Taylor. So my details there has been prepared for my lovely team here, and my representative number is 1304394. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Fantastic. If we scroll forward, the next page is just noting the best interest duty. So just making sure that we're providing advice under the best interest duty, which is part of the corporations act. Then we've got the contents page,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: and then we've got areas that we're scoping in and out with regards to the advice there. So we're scoping in areas of superannuation. Essentially, you're wanting to retire fully by age 64 and then access the age pension at 67. So we're looking at updating the investments within the portfolio currently removing anything that's underperforming to make sure it is working better towards your retirement goals. And\n\nChannel 1: Yes. That's right.\n\nChannel 0: we've also got on the next page there areas that we scoped into a limited extent. So, essentially, because you are a little bit away from 64, we're not recommending a drawdown or how the the pension side is going to work yet. But what we've done is we've projected forward to show you essentially based on the current recommendations what that should look like based on your current circumstances for you, just to give you a bit of a guide and an update on where we're tracking for, and\n\nChannel 1: Mhmm.\n\nChannel 0: then we kinda review that moving forward. When you get to retirement, then we'll definitely look at drawdowns and how that looks and how you should be able to withdraw funds on a on a more in-depth basis. Okay?\n\nChannel 1: Okay. So do we do anything at 60 or just continue on the way I'm\n\nChannel 0: It\n\nChannel 1: going?\n\nChannel 0: depends\n\nChannel 1: Don't do it.\n\nChannel 0: yeah. So we're gonna do that. We're gonna look at the TTR strategy. So we talked about that transition retirement strategy, and we're gonna\n\nChannel 1: Mhmm.\n\nChannel 0: sort of meet around about March next year\n\nChannel 1: Yes.\n\nChannel 0: to look\n\nChannel 1: Okay.\n\nChannel 0: at getting that in place ready for your sixtieth birthday so we can\n\nChannel 1: Okay.\n\nChannel 0: kind of look at what to do moving forward for you and how that can benefit you down the track as well. Okay?\n\nChannel 1: Okay. Would I be withdrawing some at 60 if I\n\nChannel 0: So\n\nChannel 1: needed if\n\nChannel 0: with\n\nChannel 1: I wanted to\n\nChannel 0: the\n\nChannel 1: or\n\nChannel 0: you\n\nChannel 1: or\n\nChannel 0: can,\n\nChannel 1: no?\n\nChannel 0: but you do have to physically retire. So in order to access so far, you have to be fully retired.\n\nChannel 1: Yeah.\n\nChannel 0: That is why being able to do this transfer time strategy works well. So with a TTR strategy, you're increasing your contributions into the savings system as much as we can up to the cap. And then because that reduced your take home pay, we start to draw a little bit out of super. There's a bit of a loophole within the super system where with that TTR strategy, we can access up to 10% of your super balance or of the\n\nChannel 1: Yeah.\n\nChannel 0: balance we transfer into pension phase.\n\nChannel 1: Yes.\n\nChannel 0: So we'll\n\nChannel 1: That's what\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: able\n\nChannel 1: was\n\nChannel 0: to\n\nChannel 1: thinking.\n\nChannel 0: yeah. So with that strategy, you increase your contributions in the super as much as you can up to the cap, and then we replenish your take home pay by drawing some of that out of the pension account for you. So your take home pay should stay about the same. You get to, as an advantage, reduce your take reduce your taxable the income tax you pay\n\nChannel 1: Uh-huh.\n\nChannel 0: and be putting as much as you possibly can into super as a last little, you know, boost towards your super.\n\nChannel 1: Mhmm. Right.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. So what I'm trying to get my head around it. Do I so in March, we sort of implement a TTR.\n\nChannel 0: Mhmm.\n\nChannel 1: Is that what you're saying?\n\nChannel 0: Yeah.\n\nChannel 1: And I'll\n\nChannel 0: We\n\nChannel 1: draw\n\nChannel 0: talked\n\nChannel 1: a bit\n\nChannel 0: about\n\nChannel 1: off that.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: yeah. So we talked about meeting in March to do it in March because your birthday is in June. So if we sort of meet in March, we've got some time to do up the advice and get that ready. So in\n\nChannel 1: Okay.\n\nChannel 0: June, when you have your birthday, then we can kind of look at doing that TTR strategy and having it in place then for\n\nChannel 1: Oh,\n\nChannel 0: you.\n\nChannel 1: brilliant. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Sounds\n\nChannel 0: It's\n\nChannel 1: good.\n\nChannel 0: a little bit complex. So when we get to that point, I'll be able to show it to you\n\nChannel 1: Yeah.\n\nChannel 0: in person, show you the numbers so you can kinda break it down. But, yeah, it's actually kinda really cool because you're allowed to access up to 10% of the pension balance. So say, as an example, if you've got 200,000 in super and you've got more than that. But just as an example, if you've got 200,000 in super, we move a 190,000 across into the the TTR pension account. We're then allowed to access 10% of that balance for the year for the financial year.\n\nChannel 1: Oh, okay.\n\nChannel 0: And then that sort of is drawn down to replenish your income, and then we put more money in the super. So if you're on you know, you're in a 75% income tax bracket, you're paying 3232% tax. That money that goes into super is only taxed at 15% as opposed to your marginal tax rate of 32%. So the idea is to put more money in the super where it is taxed lower than your marginal tax rate, and then we're able to draw a little bit out of the out of the super system for to replenish your income. And the amount you're drawing out of the super system to replenish your income is tax free.\n\nSo you're basically keeping\n\nChannel 1: Oh,\n\nChannel 0: your\n\nChannel 1: okay.\n\nChannel 0: take home pay exactly the same, putting more money into super, and drawing a little bit out to replenish\n\nChannel 1: Okay.\n\nChannel 0: your income. It works really cool. I'll show you what it looks like when we get to that point to make it easier.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So when you're in the TTR, if I've got my leftover\n\nChannel 0: Mhmm.\n\nChannel 1: monies, can I still put that back into my super?\n\nChannel 0: Yeah.\n\nChannel 1: Say you've\n\nChannel 0: Yeah.\n\nChannel 1: got just to re keep building it?\n\nChannel 0: Yeah.\n\nChannel 1: Or\n\nChannel 0: As long as\n\nChannel 1: is\n\nChannel 0: you've\n\nChannel 1: that\n\nChannel 0: got\n\nChannel 1: what\n\nChannel 0: cap\n\nChannel 1: happened?\n\nChannel 0: space, as long yeah. As long as you've got some cap space left concessionally, or\n\nChannel 1: Oh,\n\nChannel 0: we can look\n\nChannel 1: okay.\n\nChannel 0: at it non we can also look at it nonconcessional. So, like, you put that last little bit of money in nonconcessional as well. We can also look at doing it that way, but you can put money back in the super. Absolutely.\n\nChannel 1: Okay. Just that it's still building till\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: retirement\n\nChannel 0: Yeah.\n\nChannel 1: sort of thing.\n\nChannel 0: Well, the idea is you're putting well, you're putting more money in the taking out. So, theoretically, if you're putting an extra $6,000 a year in the super, you should be able to draw less than that out to replenish your income. So just that\n\nChannel 1: Okay.\n\nChannel 0: strategy alone means that you are putting more money in the super to kinda boost\n\nChannel 1: I see.\n\nChannel 0: your super, provide a greater effect, and what you're drawing\n\nChannel 1: Mhmm.\n\nChannel 0: out isn't as much as you're putting in. It is a little\n\nChannel 1: Right.\n\nChannel 0: bit complex. So when we kind of meet\n\nChannel 1: You know it.\n\nChannel 0: in June I can even send you a little bit of an email after the call today if you like just as an example as a\n\nChannel 1: Okay.\n\nChannel 0: bit of a breakdown so you can kind of run your eyes over it.\n\nChannel 1: Yeah. That'd\n\nChannel 0: And\n\nChannel 1: be\n\nChannel 0: then\n\nChannel 1: great.\n\nChannel 0: when we when we kind of meet in March to sort of put the strategy in place prior to you turning 60\n\nChannel 1: Yes.\n\nChannel 0: in June, we can kinda go through in a bit more detail then for\n\nChannel 1: Sounds\n\nChannel 0: you. How does\n\nChannel 1: great.\n\nChannel 0: that sound? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Sounds great. Thanks, Diana.\n\nChannel 0: Excellent. If you go down to page number seven for me, now this has got\n\nChannel 1: Seven.\n\nChannel 0: the about you section with all of your details. Can you\n\nChannel 1: Mhmm.\n\nChannel 0: just reconfirm if there's been any major changes in your circumstances since we last spoke?\n\nChannel 1: I think the income's a little less. That was\n\nChannel 0: Okay.\n\nChannel 1: one year I earned that much, but I've I've dropped today. So I think with my tax, it was $60 this past financial year.\n\nChannel 0: Okay.\n\nChannel 1: 60\n\nChannel 0: About\n\nChannel 1: thousand,\n\nChannel 0: sixty\n\nChannel 1: not the\n\nChannel 0: thousand.\n\nChannel 1: 75.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I was working\n\nChannel 0: No.\n\nChannel 1: four\n\nChannel 0: That's\n\nChannel 1: days,\n\nChannel 0: okay.\n\nChannel 1: but yeah. Aged\n\nChannel 0: Yep.\n\nChannel 1: care. Yep. Everything else is great.\n\nChannel 0: Beautiful. Fantastic. I'll just update that in the back end for you. Fantastic. Excellent.\n\nAnd on the next you're\n\nChannel 1: Yep.\n\nChannel 0: right. On the next page is your assets and liabilities. Is there any major changes to that you'd like me to update as well?\n\nChannel 1: Not much. I've got the emergency fund at 10,000 at the minute,\n\nChannel 0: Mhmm.\n\nChannel 1: and other savings is almost 5,000. And I'm just putting into that whatever I've got left out, you know, I'm making sure I'm\n\nChannel 0: Yeah.\n\nChannel 1: building up my savings. Do you think with leaving work at 64, I should have a a a number in savings that I'm aiming for in\n\nChannel 0: Well,\n\nChannel 1: to\n\nChannel 0: you\n\nChannel 1: live\n\nChannel 0: sorta\n\nChannel 1: on\n\nChannel 0: wanted\n\nChannel 1: till\n\nChannel 0: to\n\nChannel 1: pension?\n\nChannel 0: have well, not really. Because\n\nChannel 1: Not\n\nChannel 0: if you\n\nChannel 1: really.\n\nChannel 0: retire at 64, we can definitely draw some funds out of super. So,\n\nChannel 1: Okay.\n\nChannel 0: yeah, I would probably just be keeping your emergency fund as a bit of an emergency fund.\n\nChannel 1: Mhmm.\n\nChannel 0: Because, realistically, when you get to 64, what I would like to be able to do is just before you get to that point you decide you wanna retire, you can tell me when that point comes. We'll look at what your look at your your income side of things. We'll look at what you have in super and look at how we draw down that $2,000 per week sorry,\n\nChannel 1: I\n\nChannel 0: per\n\nChannel 1: see.\n\nChannel 0: fortnight. And then when you get to 67 and we apply for the age pension, then we can draw back on how much you draw out of super. So,\n\nChannel 1: Mhmm.\n\nChannel 0: theoretically,\n\nChannel 1: Okay.\n\nChannel 0: from 64 to 67, you're drawing the full amount of income, that $2,000 per fortnight to to keep you keep your living expenses sorted. And then\n\nChannel 1: Oh, I\n\nChannel 0: when\n\nChannel 1: see.\n\nChannel 0: you get to, yeah, then when you get to the age pension age, then we apply for age pension. If you're eligible for the full pension, then we supplement that with super, and we just reduce how much we're drawing out of super to replenish your income. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Yes. Yes. Yes. I'm\n\nChannel 0: Yeah.\n\nChannel 1: thinking, oh, maybe I should aim for, I don't know, $50 in savings plus my emergency. You know, I'm sort of trying to think, okay. Yeah. But as you're explaining, you draw it back off\n\nChannel 0: Yeah.\n\nChannel 1: my off my super in the TTR\n\nChannel 0: Yeah.\n\nChannel 1: when the time comes. Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: I tend to worry. I think, oh, will I have enough? And then am I putting in enough? Or do I I need to keep working around. I don't wanna make don't really don't wanna work more than I have to, but I\n\nChannel 0: No.\n\nChannel 1: know I've gotta keep building it up, but I'm getting a\n\nChannel 0: Yeah.\n\nChannel 1: bit tired. But\n\nChannel 0: No. That's\n\nChannel 1: we keep\n\nChannel 0: okay.\n\nChannel 1: plodding along.\n\nChannel 0: Absolutely. No. Look. Honestly, you're doing a really good job, and Super is working and building really, really nicely. I will let you go back to read the document after because it can be a lot\n\nChannel 1: Mhmm.\n\nChannel 0: to go through with me.\n\nChannel 1: Mhmm.\n\nChannel 0: But if I can get you to go down to page number 19 for me, I'll essentially\n\nChannel 1: Okay.\n\nChannel 0: take you through the main recommendations for this\n\nChannel 1: Absolutely.\n\nChannel 0: one.\n\nChannel 1: I'll just scroll down. You've been working hard on this, Dana.\n\nChannel 0: Has been. Yes. Yes.\n\nChannel 1: Now let me see. Seventeen, eighteen, nineteen. Here we go.\n\nChannel 0: That's the one. Beautiful. So now you'll see this is the fee comparison table. It's essentially showing your current scenario versus what I'm recommending for you. So at the moment, within HUD '24, your current super balance, you got 244,427.\n\nFrom that, you're paying administration fees, investment fees. The ongoing service fee for us is also being deducted out, and contributions\n\nChannel 1: Mhmm.\n\nChannel 0: are essentially going in. You've got salary sacrifice there, and you've also made some non concessional contributions. So your contributions have been going in ad hoc and regularly to to provide that boost for you.\n\nChannel 1: Mhmm.\n\nChannel 0: You\n\nChannel 1: Okay.\n\nChannel 0: don't have any insurance premiums currently, which is okay, and then you've also got a growth portfolio. So we sort of talked about the risk profile side of things, and you wanted to stay in that higher sort of growth environment\n\nChannel 1: Yes.\n\nChannel 0: for the next sort of twelve months. And then next year, when we go into that TTR phase and we sort of transition into retirement from there, then we agreed to sort of look at reducing that back. Does that still sound appropriate to you?\n\nChannel 1: Yeah. Yeah. I wondered if we should be if I should be putting some more into high growth or not at this point.\n\nChannel 0: Honest honestly, I wouldn't be looking at reducing\n\nChannel 1: Okay.\n\nChannel 0: your risk level with the volatility out there. Putting\n\nChannel 1: Mhmm.\n\nChannel 0: you know, going more high growth means that you are increasing the risk level,\n\nChannel 1: Yes.\n\nChannel 0: which does mean that when the market goes down, you're gonna feel that as well. And if you\n\nChannel 1: Yeah.\n\nChannel 0: are wanting to start that TTR at that point, we have increased the risk, then you do risk as as starting to access those funds and in starting that transition sort of retirement\n\nChannel 1: It's\n\nChannel 0: phase\n\nChannel 1: yeah.\n\nChannel 0: right when the market is down, which could have a a worse effect for you.\n\nChannel 1: Gotcha.\n\nChannel 0: So,\n\nChannel 1: Mhmm.\n\nChannel 0: realistically, we wanna kinda start reducing our risk level. We don't wanna be increasing it as we get closer to accessing super.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: staying where you are right now is fine. I would wanna do another catch up. So I'll do another probably catch up with you around about December just before we go away for the Christmas break. And then when they come back from Christmas break, we can do another catch up and really look at the strategy for that\n\nChannel 1: Okay.\n\nChannel 0: transition retirement phase next year for you. Does that sound okay?\n\nChannel 1: Yes. Sounds perfect.\n\nChannel 0: Beautiful. Now when we sort of look at the five year rolling average, the current portfolio you're in, the research shows, it's averaged about 9.63% over the last sort of five years, which is not a bad return. How with the recommendations, which is the second column, I am recommending you retain hub twenty four. I do, as part of my research, look at hub twenty four as a fund as well as any other super funds out there.\n\nChannel 1: Mhmm.\n\nChannel 0: I did recommend retaining the fund you're in because if we look to sell down your entire portfolio, there is a much greater capital gains effect there for you. So\n\nChannel 1: Okay.\n\nChannel 0: it's essentially your super fund just like you does a tax return every year, And if we had to trigger the full sell down and move all of your funds to another platform, it would have triggered a capital gains effective\n\nChannel 1: Right.\n\nChannel 0: over $5,800. And we don't wanna do that because\n\nChannel 1: No.\n\nChannel 0: whilst you are contributing and getting growth, it means your fund has to make that money back. So if we can retain the super fund you're in, so long as it's a fine super fund, there's nothing wrong with hub twenty four. There's no changes that require it to be moved anywhere else at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: Then we can make the switches or change the investments without having such a big CDT effect for your super. Does that make sense?\n\nChannel 1: Yeah. It does. Thanks, Dana.\n\nChannel 0: That's okay. So when we look at the changes, and I'll take you through those in a second, you'll see in the differences column there the $229. Can you see that on the top line?\n\nChannel 1: Yep. I do. Mhmm.\n\nChannel 0: Yep. Beautiful. That's essentially the capital gains effect your super fund is gonna need to account for. So we are switching some of the investments around, but when we were looking at doing that with\n\nChannel 1: Mhmm.\n\nChannel 0: the research, we wanted to minimize the CDT effect for your super funds. So with the changes I'll take you through, it essentially means that your super fund is only gonna have to pay capital gains of around about $229,\n\nChannel 1: Okay. Yep.\n\nChannel 0: much nicer than 5,800.\n\nChannel 1: Yes.\n\nChannel 0: Within the super fund, there's no change to the administration fees. They will stay exactly the same because you're staying within Hub there. However, the new investment portfolio is actually cheaper. You're currently paying 1,244 for the investment fees. With the newer portfolio, it's reducing it to 652 for the first year.\n\nSo it's a saving of $592 for investment fees, which\n\nChannel 1: Okay.\n\nChannel 0: is good. That's more money that stays in your super fund working harder for you.\n\nChannel 1: That's\n\nChannel 0: Does that\n\nChannel 1: right.\n\nChannel 0: make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. The ongoing service fee remains essentially the same. It is a percentage based fee that that will sort of change next year, but I'll take you through that fee when we meet. It's\n\nChannel 1: Okay.\n\nChannel 0: not changing for now. You will see a difference of $59. That's because of the the growth expected within the portfolio. So for the year, we do expect to receive $4,347 as our ongoing service fee there\n\nChannel 1: Mhmm.\n\nChannel 0: for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Your contributions will continue to go in, so don't change anything with those. That is all to go the same. I know you are making ad hoc contributions on a regular basis.\n\nChannel 1: Mhmm. That's\n\nChannel 0: You are\n\nChannel 1: okay\n\nChannel 0: welcome\n\nChannel 1: to do that?\n\nChannel 0: to\n\nChannel 1: Yep. Okay.\n\nChannel 0: yeah. Look. You you're not hitting the cap at any point at the moment. If you want,\n\nChannel 1: No.\n\nChannel 0: you can let me know whenever you're going to make a contribution, and I can check the cap space just to make sure that you're still good and okay to do that. Alternatively, if you wanna hold off until March next year, we could look at, you know, including that into the additional this new strategy with your transition into retirement side of things and maybe incorporate that for you. So we we did talk about increasing contributions to utilize some past cap space as well. We did decide to hold off on that until next year as well just because you couldn't get into your myGov account, and it's probably easy to sort of look at that as part of your overall retirement transition strategy. But if you are just making smaller regular, you know, ad hoc contributions here and there, you're welcome just to email me, let me know, and I can have a look for you to make sure there's no issues.\n\nChannel 1: Because\n\nChannel 0: Okay?\n\nChannel 1: isn't it 132,000 is the limit\n\nChannel 0: Yeah.\n\nChannel 1: for non concessional?\n\nChannel 0: That's that's the nonconcessional contribution limit. Yeah. You're well and truly under that for\n\nChannel 1: Yeah.\n\nChannel 0: the moment. That's a lot of money. Yeah.\n\nChannel 1: So I can keep just\n\nChannel 0: Yeah.\n\nChannel 1: putting in my 200 or 300 or $4.90 if I've got\n\nChannel 0: Yeah.\n\nChannel 1: it lying around. It's not lying around,\n\nChannel 0: Yeah.\n\nChannel 1: but I'm I'm making conscious effort to just boost where I can.\n\nChannel 0: Yeah.\n\nChannel 1: It's fine\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: to do that without letting you know. Yeah.\n\nChannel 0: Yeah. Absolutely. As\n\nChannel 1: Okay.\n\nChannel 0: long as you're under that 130,000\n\nChannel 1: Yes.\n\nChannel 0: for\n\nChannel 1: And\n\nChannel 0: nonconsessional,\n\nChannel 1: I will be.\n\nChannel 0: it's fine.\n\nChannel 1: Mhmm.\n\nChannel 0: The main the main difference with your two different contributions caps, you've got concessional, which is where your employer contributions go in. That's where tax\n\nChannel 1: Mhmm.\n\nChannel 0: is taken out when the money hits the super system. And then you've also got non concessional over here, which is that way you're talking about the cap state the cap of a 130,000 for the year. The main sort of difference is with your concessional employer contributions, when that goes in, 15% tax is taken out of it. So only 85% of that contribution is invested over here. Whereas that nonconcessional contribution, that a 100% goes in from your after tax income, and a 100% of that in that money is invested in your portfolio for you.\n\nChannel 1: Uh-huh.\n\nChannel 0: So you can\n\nChannel 1: Yep.\n\nChannel 0: provide a greater long term benefit. It does also mean because one of your aspects was making sure that your super in the event that you passed away is paid out to your children\n\nChannel 1: Mhmm.\n\nChannel 0: children as a dependency if they do receive the super benefits if they do receive the super benefit on death as a death benefit and then nontax dependent, they do pay tax on the taxable component. So that money that you're putting in over here ad hoc as a non concessional contribution, that's going into your tax free component, which can also,\n\nChannel 1: Mhmm.\n\nChannel 0: as a a benefit to your dependents if you were to pass away, they don't pay tax and a tax free component. So you're kind of\n\nChannel 1: I'm\n\nChannel 0: boosting\n\nChannel 1: good.\n\nChannel 0: up your super, also building\n\nChannel 1: Yeah.\n\nChannel 0: a tax free component over here for if in the event you were to pass away, and it had to be paid out to your kids to help kind of reduce the overall tax side of things for them.\n\nChannel 1: Okay.\n\nChannel 0: So that is\n\nChannel 1: So\n\nChannel 0: a\n\nChannel 1: that's\n\nChannel 0: that\n\nChannel 1: good.\n\nChannel 0: is a benefit.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That is\n\nChannel 1: That's\n\nChannel 0: a benefit.\n\nChannel 1: good to just\n\nChannel 0: Yeah.\n\nChannel 1: keep just keep plugging away at that slowly but\n\nChannel 0: Just\n\nChannel 1: surely.\n\nChannel 0: keep\n\nChannel 1: That\n\nChannel 0: plugging\n\nChannel 1: was my\n\nChannel 0: away.\n\nChannel 1: plan. Yeah.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: There are other there are other ways to kind of help with reducing the tax side of things when on a death benefit. And as part of this, I have also made a recommendation we alter your beneficiary nomination. I'll take you through that shortly. Okay?\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: Excellent. So when you sort of look at that, look, there's it's just about retaining your HUB 24 super fund and just altering the investments within that to make it easier. The newer portfolio still retains you in that growth environment. That's the second last column on that table there.\n\nChannel 1: Mhmm.\n\nChannel 0: And\n\nChannel 1: Mhmm.\n\nChannel 0: when we look at the returns in the research with the the newer portfolio, it's averaged about 10.53%. So this newer portfolio is much cheaper for you. It's actually saving you on fees within the super system, which is fantastic. And over the past sort of five years has provided a greater past performance. So whilst past performance is no indicator, it's not a guarantee that you're gonna\n\nChannel 1: Mhmm.\n\nChannel 0: get better performance moving forward. When we sort of look at that, if we look at the last five years and the average return it has achieved, then we can kinda take that data and go, well, if it's done this over the past five years, given the same market conditions, this portfolio can do the same thing again. Does that make\n\nChannel 1: Mhmm.\n\nChannel 0: sense?\n\nChannel 1: Yes.\n\nChannel 0: Yes.\n\nChannel 1: Perfectly.\n\nChannel 0: Beautiful. Underneath that, we have the projection table there for you. So, essentially, given the new recommendations versus the current, if you were to stay where you are, you can sort of see where it's projected at '64, '67. And over the next ten years, if you wish to continue to keep it without drawing anything out,\n\nChannel 1: Okay.\n\nChannel 0: the recommended can actually put you in a much greater position. So if we look at '64, just to sort of start with, by the age of 64, by making these changes, you could end up with 400 and 76,000 as opposed to $4.55. So it's an additional 20,000 on top of where you currently could be by changing the advice and changing the investments within your super. Okay?\n\nChannel 1: Yep. Right. So that would vary if I was taking a TTR from earlier than\n\nChannel 0: Yep.\n\nChannel 1: '64,\n\nChannel 0: And\n\nChannel 1: wouldn't it? Because\n\nChannel 0: when\n\nChannel 1: I'm not I'm not\n\nChannel 0: that's right.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Not a front\n\nChannel 0: What\n\nChannel 1: in there.\n\nChannel 0: we'll do is\n\nChannel 1: Mhmm.\n\nChannel 0: when we get to that point next year and we do the TTR side of things, I will update the projection table to show you where we're tracking for, and we can compare\n\nChannel 1: Okay.\n\nChannel 0: that to what we've currently got here for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. And if we decide not to do\n\nChannel 0: Yeah.\n\nChannel 1: the TTR at that time next year, is that\n\nChannel 0: Mhmm.\n\nChannel 1: okay that we can just\n\nChannel 0: That's\n\nChannel 1: keep\n\nChannel 0: fine.\n\nChannel 1: keep\n\nChannel 0: Yeah.\n\nChannel 1: going as\n\nChannel 0: Look.\n\nChannel 1: we are?\n\nChannel 0: If\n\nChannel 1: Okay.\n\nChannel 0: if you decide you don't wanna sort of draw do\n\nChannel 1: If\n\nChannel 0: the\n\nChannel 1: I'm\n\nChannel 0: TTR\n\nChannel 1: managing\n\nChannel 0: side\n\nChannel 1: okay.\n\nChannel 0: of things,\n\nChannel 1: Yeah.\n\nChannel 0: yeah,\n\nChannel 1: Mhmm.\n\nChannel 0: and you just wanna put more money into super, the main sort of reason people would, happy to go on with that transition retirement strategy is that increasing contributions into super reduces your take home pay.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: see.\n\nChannel 0: it means that\n\nChannel 1: Yeah.\n\nChannel 0: you have less money at the end of the week for your bills and expenditure.\n\nChannel 1: Yeah.\n\nChannel 0: But expenses are ex life is expensive at the moment, so most people can't sort of deal with that and can't reduce their expenses and have trouble, you know, paying the bills and things from the increase\n\nChannel 1: Yeah.\n\nChannel 0: in their contributions in. So the TCR strategy essentially allows you to draw some money out of the super system to replenish your income so that your take home pay stays about the same. That way, it's not having as great an effect on your take home pay and your expenditure, essentially. But if\n\nChannel 1: Okay.\n\nChannel 0: you get to in March and you go, hey. No. I'm good to continue doing this. I don't I don't need that extra money. Obviously, having it in super and boosting your contributions can provide a much greater effect for you.\n\nSo\n\nChannel 1: Right. Okay.\n\nChannel 0: we we can look at that in March. We'll do a catch up. We'll talk about all the options. We'll look at all the bits and pieces,\n\nChannel 1: Yep.\n\nChannel 0: and then we can work out what you're comfortable with. Maybe look at your catch up contributions. I'll see if I can help you get into your MyGov account, and we will work out what your carry forward looks like, try to maximize contributions where we can. So that last couple of years, we can boost super as much as possible for you. How does\n\nChannel 1: Okay\n\nChannel 0: that sound?\n\nChannel 1: then.\n\nChannel 0: Beautiful.\n\nChannel 1: Sounds great. So\n\nChannel 0: So\n\nChannel 1: I just\n\nChannel 0: that's\n\nChannel 1: sort\n\nChannel 0: essentially\n\nChannel 1: of wanted to make sure I'd be okay\n\nChannel 0: yeah.\n\nChannel 1: at 64 long. I'm thinking, oh, you know, I've got some coworkers who they they're 67 now, and they're still working. And I think I really don't think I can last that long. So I'm they're, you know, they're sort of still\n\nChannel 0: Yes.\n\nChannel 1: plugging along. But my advantage is is that the house is paid off and I have no debt. I mean,\n\nChannel 0: Yes.\n\nChannel 1: they look they could be paying big mortgage,\n\nChannel 0: Yes.\n\nChannel 1: you know, rents or something or other. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. No. So,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah, just by going it over with you, as you say, I should be okay to do that as\n\nChannel 0: Yes.\n\nChannel 1: as I as I\n\nChannel 0: Yeah.\n\nChannel 1: plan. I'll I'll have enough coming in to keep me floating along. Okay.\n\nChannel 0: Yep. Yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. And we'll make sure it definitely works, and we'll look at it again next year.\n\nChannel 1: Mhmm.\n\nChannel 0: And we'll keep kinda boosting it and doing what we can each year to get you as much as possible.\n\nChannel 1: Sounds great.\n\nChannel 0: And and one of the things is maneuvering these investments to make sure that you are invested in a way that is making you money, that the investments are working harder for you, but\n\nChannel 1: Yes.\n\nChannel 0: that you're also trying to save a bit in fees as well and that we're not, you know we're we're removing any underperforming investments, which is\n\nChannel 1: Yes.\n\nChannel 0: kind of the biggest thing with this advice play piece.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: right. Because of just just it was a bit, as you say, one of the one or two of them was sort of underperforming. And I thought, oh,\n\nChannel 0: yeah.\n\nChannel 1: you know, with the time frame narrowing, I'm thinking, is there a way we can move some of those some of\n\nChannel 0: Yep.\n\nChannel 1: that into other investments\n\nChannel 0: Absolutely.\n\nChannel 1: as you're\n\nChannel 0: Absolutely.\n\nChannel 1: saying? Yeah.\n\nChannel 0: Yeah. And if you scroll down to page number 21 for me, I can show\n\nChannel 1: Mhmm.\n\nChannel 0: you what those changes look like to make it easier.\n\nChannel 1: Yep. I got that here.\n\nChannel 0: Yeah. Excellent. Now you'll see quite a lot of red and green on this page. This is outlining all the different investment options that you currently have and what\n\nChannel 1: Mhmm.\n\nChannel 0: we're gonna be adding into the portfolio. So there is a lot going on here.\n\nChannel 1: Alright.\n\nChannel 0: The the third column's your current weighting. So what you currently have within your super fund at the moment, and, obviously, the next column is the balance that you currently\n\nChannel 1: Mhmm.\n\nChannel 0: have within your super fund currently. The main column to sort of look at is the buy style, which has got that red and green,\n\nChannel 1: Mhmm.\n\nChannel 0: and the first column is all the individual investments there. Once we complete the changes, the last two columns show what you'll have in your super fund based on waiting and by balance. So that's\n\nChannel 1: Mhmm.\n\nChannel 0: after the changes are made. To kindly break\n\nChannel 1: Yep.\n\nChannel 0: it down and give you a little bit of context, but without overloading you with information, you've got the bank hybrids, which is the first one. That will\n\nChannel 1: Yep.\n\nChannel 0: be\n\nChannel 1: Yes.\n\nChannel 0: sold off completely. We talked about how they're gonna be phased out down the track. Yep.\n\nChannel 1: Yes.\n\nChannel 0: You've got that global agriculture. You only have about 2% there. We wanna\n\nChannel 1: K.\n\nChannel 0: remove that completely\n\nChannel 1: Let's get\n\nChannel 0: from\n\nChannel 1: rid of\n\nChannel 0: this\n\nChannel 1: that.\n\nChannel 0: portfolio\n\nChannel 1: Yep.\n\nChannel 0: as well. Yep. Physical goal, we wanna keep it, but you've got 14% there at the moment. We only wanna hold 8%. So\n\nChannel 1: Okay.\n\nChannel 0: it's important\n\nChannel 1: Mhmm.\n\nChannel 0: to rebalance it back and sell some of that to bring you back to an 8% waiting. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: And by selling that, you're cementing the gains that that physical gold has seen and reinvesting it back into your super fund. That's part of compounding. It's cementing\n\nChannel 1: Mhmm.\n\nChannel 0: gains and reinvesting it back in other areas so as it continues to make money and growth. Okay?\n\nChannel 1: Wonderful. Mhmm.\n\nChannel 0: Excellent. You've got the cybersecurity, which is the next one down. You're\n\nChannel 1: Mhmm.\n\nChannel 0: a bit overweighted at the moment. We only wanna hold 5%, so it means we're gonna sell some of that.\n\nChannel 1: Okay.\n\nChannel 0: The S and P 500, we only wanna hold 20%. You've got a bit\n\nChannel 1: Yep.\n\nChannel 0: more than that in there at the moment, we're gonna sell a bit of that as well. And then you've also got the Raffi BetaShares Raffi a 200. This is giving you access to some of the top 200 companies on the ASX.\n\nChannel 1: Okay.\n\nChannel 0: You hold about 17.30. We only wanna hold 15%, so we're gonna\n\nChannel 1: Mhmm.\n\nChannel 0: sell some of that to bring you back down a little bit.\n\nChannel 1: Yep.\n\nChannel 0: And then underneath that, Benelon Australian Equities, that's the one that's underperforming. So we're giving that the flick and removing\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Given\n\nChannel 0: completely\n\nChannel 1: the flick.\n\nChannel 0: there for\n\nChannel 1: Exactly.\n\nChannel 0: you. Uh-huh. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Get out of that. So\n\nChannel 1: Mhmm.\n\nChannel 0: we're gonna sell all of that off so you no longer have that investment in there. And then the ClearBridge infrastructure income funds, the infrastructure has had a bit of volatility. There has been some changes in the market. That means it is time to remove you out of that investment\n\nChannel 1: Sure.\n\nChannel 0: there as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: we're selling that one completely down.\n\nChannel 1: Right.\n\nChannel 0: Essentially, once we've made those sales, what you'll see in your portfolio is 8% physical gold, 5% cybersecurity, 20% the S and P 500, so the top 200 companies on the s on the American\n\nChannel 1: Mhmm.\n\nChannel 0: market, 15% in the Raffy Australian 200. We're then gonna have an ad India, which is the third one from the bottom.\n\nChannel 1: Yes.\n\nChannel 0: So five\n\nChannel 1: Mhmm.\n\nChannel 0: percent is the India quality ETF, four\n\nChannel 1: Brilliant.\n\nChannel 0: percent into global health care. So health care is a good area to be invested,\n\nChannel 1: Very\n\nChannel 0: and\n\nChannel 1: good.\n\nChannel 0: global is giving you access to the entire globe, so diversification.\n\nChannel 1: Mhmm. Love\n\nChannel 0: And then\n\nChannel 1: that.\n\nChannel 0: we still wanna have some more Australian equities. So we're gonna have the beta shares a 200. So this is, again, another top 200 companies on the ASX, and this is giving you greater diversification. So we already have the Raffy in there, but we're adding this investment. So you you're not overweight in any one particular investment.\n\nIt does diversify across\n\nChannel 1: Mhmm.\n\nChannel 0: the Australian market, which is great, but it is giving you greater diversification, which helps to lower the risk of your portfolio as well, which is really important\n\nChannel 1: Yes.\n\nChannel 0: because just because you're in growth doesn't mean you wanna have huge amounts of risk. You still wanna mitigate whatever risk you possibly can. So this does\n\nChannel 1: Mhmm.\n\nChannel 0: that. And that then along Australian Equities investment, that investment manager held between 15 to 25 different investments. So we're selling that off. It's underperforming and moving you into an investment that gives you access to the top 200 companies on the ASX for greater diversification, and it's cheaper\n\nChannel 1: Mhmm.\n\nChannel 0: investment. So it's it means it's less fees going out to the investment managers. Okay?\n\nChannel 1: Cool. Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Excellent. Yep.\n\nChannel 0: Yeah. And then the next\n\nChannel 1: Sounds\n\nChannel 0: page,\n\nChannel 1: good.\n\nChannel 0: you've got the the last three, the JPMorgan Global Research Enhanced Equity Fund. Now this is giving you just a little bit of an actively managed fund in there. It is essentially giving you global exposure to\n\nChannel 1: Yes.\n\nChannel 0: equities across the entire globe, but JPMorgan's research team essentially choose what to invest in within this one, and it's actually a very good investment. It's a past it's a a low cost active management investment\n\nChannel 1: Mhmm.\n\nChannel 0: option and has done very, very well over the past few years. And then defensive wise, because you're in that growth environment, we still wanna hold around about 20 in defensive investments, like cash bonds and fixed interest,\n\nChannel 1: Uh-huh.\n\nChannel 0: and that's where the iShares Yield plus and the core composite bonds comes into place\n\nChannel 1: Okay.\n\nChannel 0: for you. So it'll be giving you about 18% exposure into defensive investments for income producing because we still wanna make sure your portfolio has dividends and income that's paid to your cash account so you can have that reinvested back into your portfolio. Does\n\nChannel 1: Yes.\n\nChannel 0: that make sense?\n\nChannel 1: Yes. Wonderful.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: It's okay. That is a lot. I try to sort of go as\n\nChannel 1: No.\n\nChannel 0: easy as possible on\n\nChannel 1: No.\n\nChannel 0: those\n\nChannel 1: It's\n\nChannel 0: investments.\n\nChannel 1: good. Because\n\nChannel 0: But\n\nChannel 1: I do\n\nChannel 0: do\n\nChannel 1: a little\n\nChannel 0: you\n\nChannel 1: bit\n\nChannel 0: have\n\nChannel 1: of research.\n\nChannel 0: questions?\n\nChannel 1: No. I think you've answered all my questions. Thank you, Dana.\n\nChannel 0: Yeah.\n\nChannel 1: I do a little bit of research behind the scenes, and dad\n\nChannel 0: Yeah.\n\nChannel 1: was into investing and this, that, and the other, but I've sort of been a bit more hands on with reading up about the different companies and the different\n\nChannel 0: It's good.\n\nChannel 1: share markets and things. So, yes, it's making sense to me. I really appreciate all those changes.\n\nChannel 0: It's okay.\n\nChannel 1: That looks good.\n\nChannel 0: Excellent. Now underneath that, you've also got the cash table. So at the\n\nChannel 1: Mhmm.\n\nChannel 0: moment, you do have about 10,000 sitting in cash there. That is\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit too high cash wise, essentially. You wanna make sure more money is invested. So\n\nChannel 1: Yes.\n\nChannel 0: we're only gonna hold about 1.25 cash within the fund, and\n\nChannel 1: Great.\n\nChannel 0: all the rest of it. So a bit over 7,000 needs to be invested back into that portfolio above there for you, so it's working\n\nChannel 1: K.\n\nChannel 0: harder.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: That's it. Yep.\n\nChannel 0: Yeah. Excellent.\n\nChannel 1: Alright.\n\nChannel 0: If you go down to the page number 24 for me,\n\nChannel 1: 24.\n\nChannel 0: this is\n\nChannel 1: Yep.\n\nChannel 0: essentially\n\nChannel 1: Got that.\n\nChannel 0: showing you so we talked about how whilst we're not recommending the draw downs in the retirement aspect, we're gonna give you a little bit of a table that kinda shows where we're tracking for based on the the outcome. We have a couple of ways of doing this, but we've chosen to do it this way because it's a bit clearer for you to read. I also have a table that I can use, but this kind of outlay is a bit clearer. So it essentially shows that at the age of 64, based on the current recommendations, we can project your super balance to be sitting at $476,616.62.\n\nChannel 1: Yep.\n\nChannel 0: The next side of it and it kinda projects forward over the next, you know, to pay at $8.01\n\nChannel 1: Mhmm.\n\nChannel 0: 100, essentially. The next column is basically working on how much income should be produced from that from that portfolio based on a conservative rate of return, and we essentially use about a five to 6% return in\n\nChannel 1: Mhmm.\n\nChannel 0: those those return year. Sorry. And then we've also got the fees. So the next table outlines the ongoing costs based on the projected balance. We do overestimate the fee side of things, but then\n\nChannel 1: Mhmm.\n\nChannel 0: it's also got how much pension you would need to draw down. So based on your requirement of $2,000 on a fortnightly basis, drawing an income of 31,200 for the year, and then also looking at age pension entitlement when that's open there. And it sort of shows that based on all these factors, the projected outcome, the interest, the fees, the super pension amount that you would wanna draw down, and the fact that you might are going to be eligible for age pension down the track, realistically, all going, your your super balance should last quite a long time. It\n\nChannel 1: Uh-huh.\n\nChannel 0: is showing that it should last quite significantly. I don't think you're gonna have over a million dollars at age 100, but this is just\n\nChannel 1: Yeah.\n\nChannel 0: the way the projected table works. But, essentially, it does show that you can draw down based on your balance projected at age 65. You can start to draw down your income. You can then access age pension and reduce how much you're gonna need to live on. And your super should definitely last\n\nChannel 1: Okay.\n\nChannel 0: into\n\nChannel 1: Okay.\n\nChannel 0: the eighties and nineties at this point in time. We wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure it lasts even longer that and gives you the best possible outcome, so we wanna keep boosting it. But it is\n\nChannel 1: Mhmm.\n\nChannel 0: showing you that right now, what you're on track for, your super could definitely work and last for you. Okay?\n\nChannel 1: Excellent. Thank you for that.\n\nChannel 0: Yeah. Beautiful. And it is just a projection table. I know it goes up, and so I definitely don't think you're gonna have $1,600,000 at 8,100 because the\n\nChannel 1: Yeah.\n\nChannel 0: longer you survive, the more you have to actually draw down them. But there's only there's limitations on what we can do with these sorts of projection tables. So we kind\n\nChannel 1: Yeah.\n\nChannel 0: of have to work with them.\n\nChannel 1: That's\n\nChannel 0: So I would\n\nChannel 1: fine.\n\nChannel 0: say take it take it with a grain of salt when you're looking at that age because\n\nChannel 1: Yeah.\n\nChannel 0: as you get older and\n\nChannel 1: I\n\nChannel 0: older,\n\nChannel 1: don't wanna be\n\nChannel 0: you are\n\nChannel 1: that old.\n\nChannel 0: you are also supposed to take more out of sleep on a regular basis, and these are the sorts of things that we'll\n\nChannel 1: Yes.\n\nChannel 0: be able\n\nChannel 1: There\n\nChannel 0: to look\n\nChannel 1: is.\n\nChannel 0: at in a\n\nChannel 1: Yeah.\n\nChannel 0: lot more detail when you get closer to retirement, essentially.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I think it's I think it's 10% or something. It it's 1% per year or something, isn't it?\n\nChannel 0: So it starts at\n\nChannel 1: Up\n\nChannel 0: four\n\nChannel 1: to\n\nChannel 0: percent. Yeah.\n\nChannel 1: yes. Yes.\n\nChannel 0: When you get into your nineties, they want you to take, like, 13% of your balance.\n\nChannel 1: How is it? Yeah.\n\nChannel 0: Yeah. Yeah. But,\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: must\n\nChannel 0: mean,\n\nChannel 1: have\n\nChannel 0: realistically,\n\nChannel 1: it.\n\nChannel 0: most most of us in our nineties are probably in aged care home at that point anyway.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Okay. Yes. Yes. We won't worry about that. Just a sec.\n\nChannel 0: no. No.\n\nChannel 1: Yes.\n\nChannel 0: No.\n\nChannel 1: All\n\nChannel 0: No.\n\nChannel 1: good.\n\nChannel 0: But, yeah, look, honestly, this does sort of show. And with the research behind it, making the changes does put you in a good position, does keep more money invested. And, realistically, projection wise, your super balance can last, and it can do what you need it to based on where we expect it to be. But I would just like to, you know, keep building on it and get as much\n\nChannel 1: Yes.\n\nChannel 0: as we can into super to provide you with the best possible income in retirement. Because the other side of it is, whilst we start drawing an income of $2,000 per fortnight or $1,000 per week when you first retire, that as you get older, as you wanna travel, as you might wanna buy a new car and do different things, you might need to draw regular or different ad hoc lump sums down on\n\nChannel 1: Oh,\n\nChannel 0: different\n\nChannel 1: I see.\n\nChannel 0: bases. So\n\nChannel 1: Yeah.\n\nChannel 0: it's about\n\nChannel 1: Yeah.\n\nChannel 0: putting as much as you possibly can in. So, a, you can draw down an income, but so you can also live and take a holiday when you want to. If you wanna buy\n\nChannel 1: Really?\n\nChannel 0: flights or, you know, hand some money out to your kids or, you know, buy\n\nChannel 1: Yeah.\n\nChannel 0: Christmas presents and things like that, you might need ad hoc withdrawals here and there, and that's something\n\nChannel 1: Okay.\n\nChannel 0: else to consider. And the other side of it is your health can change as life gets\n\nChannel 1: Well, that's\n\nChannel 0: goes\n\nChannel 1: true.\n\nChannel 0: on as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: then the amount you might need to live on will need to increase. Not only are you is the requirement to draw out a super increasing, but how much you might need to live on can increase there as well. So those are other factors that we'll have to look at down the track. That's why boosting\n\nChannel 1: Yeah.\n\nChannel 0: a super as much as possible now and putting as much as we can in can provide a greater benefit down the track there for you. Does that make sense?\n\nChannel 1: Yes. It does. Yes.\n\nChannel 0: Yeah. Beautiful. But you can sort of see that gives you an idea that we're on track quite nicely, and we'll look\n\nChannel 1: Okay.\n\nChannel 0: at it in a lot more detail next year to see whether you wanna go down that route of that TTR side of things.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Beautiful.\n\nChannel 1: So when you say\n\nChannel 0: It's\n\nChannel 1: lump sum sorry, Daniel. When you say lump\n\nChannel 0: yeah.\n\nChannel 1: sum, is that over 60 or or is that is that is there a certain age that you can start pulling out? Not that I'm planning to, but because I I wanna have something more in savings. But\n\nChannel 0: Yeah.\n\nChannel 1: is it 60 that you're allowed to say I needed a new car? This one's\n\nChannel 0: Mhmm.\n\nChannel 1: 11 years old. Is there a certain age that I have to wait to be able to pull out? I don't know.\n\nChannel 0: A\n\nChannel 1: 10\n\nChannel 0: lump\n\nChannel 1: or 20\n\nChannel 0: sum.\n\nChannel 1: grand?\n\nChannel 0: Yeah. So you've gotta\n\nChannel 1: 60\n\nChannel 0: be 60\n\nChannel 1: something.\n\nChannel 0: and fully retired or\n\nChannel 1: Oh, fully retired.\n\nChannel 0: yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So once you hit 64 and you fully retire, then you'll have a 100% access to all your money tax\n\nChannel 1: Oh,\n\nChannel 0: free with InsideSuper.\n\nChannel 1: right. In the\n\nChannel 0: You\n\nChannel 1: course.\n\nChannel 0: can take your income plus your ad hoc drawdowns as you need them. It'll all be absolutely fine. You\n\nChannel 1: Don't\n\nChannel 0: can let me know\n\nChannel 1: call\n\nChannel 0: when\n\nChannel 1: it\n\nChannel 0: and\n\nChannel 1: on\n\nChannel 0: if you\n\nChannel 1: there.\n\nChannel 0: need things like that\n\nChannel 1: From 60\n\nChannel 0: before\n\nChannel 1: four. Okay.\n\nChannel 0: from 64 based\n\nChannel 1: And\n\nChannel 0: on\n\nChannel 1: fully\n\nChannel 0: your goal\n\nChannel 1: retired.\n\nChannel 0: age.\n\nChannel 1: Yep.\n\nChannel 0: But the the realistic view is that if you decide at 60 you wanna retire and start your own income, you can. The legislation states that preservation age is 60, so long as you're fully retired,\n\nChannel 1: Yeah.\n\nChannel 0: at age 65, regardless of whether you're working or not, they allow access to your money, a 100% of your funds inside super. And from 67, you can apply for the age pension.\n\nChannel 1: Right. So I don't\n\nChannel 0: Yeah.\n\nChannel 1: really need to panic about putting thousands and thousands into savings. Is that sort of what we're saying?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Put put more into put more into super and just plug away\n\nChannel 0: Yep.\n\nChannel 1: at building up\n\nChannel 0: Yep.\n\nChannel 1: the savings. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Definitely.\n\nChannel 1: Okay.\n\nChannel 0: Definitely. Let's maybe table that until March. We'll come back\n\nChannel 1: Yeah.\n\nChannel 0: in March and maybe\n\nChannel 1: Yeah.\n\nChannel 0: really\n\nChannel 1: We'll\n\nChannel 0: assess,\n\nChannel 1: see where\n\nChannel 0: you\n\nChannel 1: we\n\nChannel 0: know,\n\nChannel 1: are\n\nChannel 0: whether\n\nChannel 1: then.\n\nChannel 0: the TTR side of INGS will let we'll look at your I'll see if I can help you get into your myGov account, and we'll look at your carry forward contributions and see, you know, what we can utilize in the past couple of years to maximize your super as much as possible.\n\nChannel 1: Okay.\n\nChannel 0: We could also talk about, you know, the different components and whether we throw more money in nonconcessionally and what that looks like\n\nChannel 1: Oh,\n\nChannel 0: for\n\nChannel 1: that's\n\nChannel 0: you.\n\nChannel 1: a good\n\nChannel 0: So,\n\nChannel 1: idea. Yeah. Mhmm.\n\nChannel 0: yeah, I figure we switch the investments now and get things working a little bit. And then in\n\nChannel 1: Yes.\n\nChannel 0: March, we can sit down and go, right. You're nearly 60. What are we wanting to do? How do we\n\nChannel 1: Yeah.\n\nChannel 0: want this to play out? What do you have available? What's your catch up contributions look like, and we'll do another nice big plan and kind of build for the retirement aspect from there for you. How does\n\nChannel 1: Okay.\n\nChannel 0: that sound?\n\nChannel 1: Sounds\n\nChannel 0: Yeah?\n\nChannel 1: great. Yep.\n\nChannel 0: Yep. Beautiful. In the meantime, you can be popping some money away in your emergency fund just to kinda\n\nChannel 1: Yeah.\n\nChannel 0: give you that back up in case something happens up until that point.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: That sounds great.\n\nChannel 0: The last thing I wanted to kinda go through with you is if you go down to page 26 for me now this is the beneficiary\n\nChannel 1: Mhmm.\n\nChannel 0: side of things. So your goal was that you wanted to if anything happens to you, and I don't want anything to, I want you to get to retirement and enjoy your money and have a great, you know, twenty or thirty years in retirement or forty years. Essentially, if anything did happen, though, you wanted your super benefit benefit to be paid out to your kids, so to Charlotte\n\nChannel 1: Mhmm.\n\nChannel 0: and Jessica. Essentially, with the way the super system works and the way beneficiaries are, children are beneficiaries under the CISAT. That is absolutely fine. However, if they're older over the age of 18 or over the age of 25 if they're financial dependent, essentially, if they receive the funds direct from Super, the taxable component, they can pay tax on us up to 17% tax. So there's a couple of ways that we can look to reduce this.\n\nOne is we can look to boost up the tax free benefit of your Super as much as possible because they receive that side of things completely\n\nChannel 1: Uh-huh.\n\nChannel 0: tax free.\n\nChannel 1: Okay.\n\nChannel 0: We can't really change the taxable component currently. We have to wait till you retire to be able to kind\n\nChannel 1: Okay.\n\nChannel 0: of redig that to make it really tax free for them.\n\nChannel 1: Mhmm.\n\nChannel 0: However, at the moment, what I'm recommending we do is we change your beneficiary nomination. So\n\nChannel 1: Mhmm.\n\nChannel 0: the other way to help reduce the amount of tax that your beneficiaries are expected to pay if they were to receive the funds is to nominate your legal personal representative. Now if\n\nChannel 1: No.\n\nChannel 0: we essentially do this, we tick a box on the beneficiary form. And on your super fund and the beneficiary section, they just have legal personal representative exactly as it's nominated here. What that essentially means is is if you were to die tomorrow, you would just need to make sure you have a will in place. And in that will, you would nominate Charlotte and Jessica to receive the 50% of everything,\n\nChannel 1: Mhmm.\n\nChannel 0: basically. If you were then to pass away tomorrow with the claim is made on your super, the money is paid direct to your estate, and then as per the directions in your will, it is all paid out to the beneficiaries. Now it doesn't alleviate the tax wholly because there is still taxation consequences. We still pay tax on money that we've inherited. However, it can alleviate the Medicare levy, the 2% tax that they would have to pay for the Medicare levy.\n\nSo it does increase the tax free component that they would receive. It does mean that they could receive a little bit more money upfront. When we get to retirement age, you and I can readjust a lot of these things and do cash\n\nChannel 1: Mhmm.\n\nChannel 0: at recontribution strategies and things to make your taxable component as tax free as possible. But for right now, to cover up into the point that you retire, to give your kids the best possible outcome, utilizing the legal personal representative and having your super paid through your estate, through your will, does alleviate some of the tax consequences that they would have to pay. So it does mean that they receive a little bit more money. Does that make sense?\n\nChannel 1: It does. Yeah. Who would you nominate, though,\n\nChannel 0: Yeah.\n\nChannel 1: as your legal representative? It'll be a lawyer or someone,\n\nChannel 0: No. So\n\nChannel 1: with\n\nChannel 0: you just have l p you just have\n\nChannel 1: it.\n\nChannel 0: legal personal representatives, and\n\nChannel 1: Oh.\n\nChannel 0: it means your will. It basically is\n\nChannel 1: Oh, you\n\nChannel 0: a long\n\nChannel 1: will.\n\nChannel 0: version saying your will. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So whenever the Superfund sale sees LPR or legal personal representative, they know that it needs to go to the estate, and they pay it to the estate, and you just need to have your will done up correctly.\n\nChannel 1: Mhmm. I\n\nChannel 0: I\n\nChannel 1: am\n\nChannel 0: believe\n\nChannel 1: due\n\nChannel 0: now\n\nChannel 1: to have\n\nChannel 0: we\n\nChannel 1: it updated. I I haven't had\n\nChannel 0: yeah.\n\nChannel 1: it done since after divorce.\n\nChannel 0: Yes. Yes.\n\nChannel 1: So,\n\nChannel 0: That\n\nChannel 1: I\n\nChannel 0: was\n\nChannel 1: mean,\n\nChannel 0: one\n\nChannel 1: it does\n\nChannel 0: thing we\n\nChannel 1: nominate\n\nChannel 0: made mention.\n\nChannel 1: yeah. It does just say to the two children, but I I probably should that was over ten years ago. So best to go and get a new one done,\n\nChannel 0: Yeah.\n\nChannel 1: I guess, and then\n\nChannel 0: It it is\n\nChannel 1: you've\n\nChannel 0: it\n\nChannel 1: got\n\nChannel 0: is important\n\nChannel 1: we've got\n\nChannel 0: to\n\nChannel 1: that\n\nChannel 0: kind\n\nChannel 1: done.\n\nChannel 0: of update. Yeah. Absolutely.\n\nChannel 1: Yeah. Nothing's\n\nChannel 0: It is a\n\nChannel 1: changed.\n\nChannel 0: good thing to definitely have updated. But even if you didn't, as long as, you know, these funds will still be paid for to the estate, and then as part of the the estate planning process, the executive will go, well, as long as we've got all the funds together, it can all be paid out. So it would still work. There's nothing wrong with the way the will is essentially set up,\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: but\n\nChannel 1: No.\n\nChannel 0: it is\n\nChannel 1: Nothing's\n\nChannel 0: just about\n\nChannel 1: changed.\n\nChannel 0: eliminating eliminating the amount as much tax as possible on the beneficiaries if they were to receive it.\n\nChannel 1: Uh-huh. Okay.\n\nChannel 0: Obviously, the the other side of this is that we set these beneficiary nominations up, and we have things in place. But at the end of the day, we don't want anything to happen to you. We want you to get to 64, retire, draw your income, and enjoy your life at the end of the\n\nChannel 1: Uh-huh.\n\nChannel 0: day. So\n\nChannel 1: Yeah.\n\nChannel 0: don't\n\nChannel 1: Okay.\n\nChannel 0: really want a estate claim.\n\nChannel 1: Yeah. No. That's okay. But I appreciate that you've touched on that because I didn't know that that\n\nChannel 0: Yeah.\n\nChannel 1: was a thing to do. Would that be\n\nChannel 0: Yeah.\n\nChannel 1: something we would look at down the track?\n\nChannel 0: We can. Absolutely. Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: And when you when you when you fully retire and we have access\n\nChannel 1: Yeah.\n\nChannel 0: to all those funds, we can definitely, again, look at doing other strategies where we change your taxable component into tax free component. So there are things that we\n\nChannel 1: Just\n\nChannel 0: can\n\nChannel 1: different\n\nChannel 0: do. It's\n\nChannel 1: ways.\n\nChannel 0: just that we\n\nChannel 1: Yeah.\n\nChannel 0: can't do them yeah. We just can't do them till you retire because we need\n\nChannel 1: Yeah.\n\nChannel 0: access to your money to be able to do them. But\n\nChannel 1: That's\n\nChannel 0: there\n\nChannel 1: it.\n\nChannel 0: are\n\nChannel 1: Yeah.\n\nChannel 0: definitely some fun, cool strategies we can put in place to help you change the benefits and to help you maneuver things like that. It's just about\n\nChannel 1: Mhmm.\n\nChannel 0: getting you to that retirement phase. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: for\n\nChannel 1: One\n\nChannel 0: right\n\nChannel 1: step\n\nChannel 0: now\n\nChannel 1: at a time. Mhmm. Yeah.\n\nChannel 0: exactly. Exact and that's why I kinda wanted to make this a little bit easier. So one step at a time is definitely the right way to go,\n\nChannel 1: Yep.\n\nChannel 0: not to overwhelm\n\nChannel 1: I agree.\n\nChannel 0: you too much. So starting with just altering the investments now, retain everything else\n\nChannel 1: That\n\nChannel 0: as\n\nChannel 1: looks\n\nChannel 0: it is,\n\nChannel 1: great.\n\nChannel 0: and then\n\nChannel 1: Yeah.\n\nChannel 0: in a couple of months' time, we check if that's working for you. Then\n\nChannel 1: Yeah.\n\nChannel 0: we come\n\nChannel 1: Okay.\n\nChannel 0: back and we go, right. Now you're turning 60. This is exciting. What do\n\nChannel 1: Yeah.\n\nChannel 0: you wanna do? We talk about the TTR. We decide whether you wanna do\n\nChannel 1: Okay.\n\nChannel 0: it or whether you just wanna put more money into super. We\n\nChannel 1: Yep.\n\nChannel 0: try to use catch up contributions in the last couple of years to, you know, provide greater benefit. We talk about whether we use it as catch up contributions or whether we do it nonconcessional to benefit your estate\n\nChannel 1: Mhmm.\n\nChannel 0: planning process. And then we kinda go from there, then we get to the actual retirement, and we again revisit the estate planning\n\nChannel 1: Yeah.\n\nChannel 0: process and the\n\nChannel 1: Yeah.\n\nChannel 0: draw downs and how we structure things that way. So it's just a continuous\n\nChannel 1: It's\n\nChannel 0: process,\n\nChannel 1: continuous. Yeah. Yeah.\n\nChannel 0: but we do it one step at a time. And as we go through that process, we start to reduce risk levels. So right now, your growth, when we come back next year, I'll probably be saying let's let's really consider reducing the risk of it here. Let's start\n\nChannel 1: Right.\n\nChannel 0: pulling things back a bit for you,\n\nChannel 1: Move things\n\nChannel 0: and then we'll correct and we'll keep doing that as you get closer to retiring. That way, when you do access Fuqua, you're in a more conservative environment. Does\n\nChannel 1: around.\n\nChannel 0: that make\n\nChannel 1: Mhmm.\n\nChannel 0: sense?\n\nChannel 1: Yes. It does, Dana. Yep. Wonderful.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: That looks great.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I'll\n\nChannel 0: It's\n\nChannel 1: be curious\n\nChannel 0: it's\n\nChannel 1: to\n\nChannel 0: a\n\nChannel 1: see\n\nChannel 0: lot.\n\nChannel 1: how the new investments go. It's exciting,\n\nChannel 0: Me\n\nChannel 1: isn't\n\nChannel 0: too.\n\nChannel 1: it?\n\nChannel 0: Me too. So\n\nChannel 1: Yeah.\n\nChannel 0: far, it's all been working really nicely, but that's why I do wanna make sure that you and I catch up in December. That way,\n\nChannel 1: Okay.\n\nChannel 0: just before we go away for the Christmas break, we can check-in to say, hey. This has been\n\nChannel 1: Where\n\nChannel 0: in place\n\nChannel 1: we up\n\nChannel 0: for\n\nChannel 1: to?\n\nChannel 0: a few months.\n\nChannel 1: Yeah.\n\nChannel 0: How's it working? And then we can catch up again, you know, early next year in March to talk about your next side of things. Okay?\n\nChannel 1: Beautiful. Sounds perfect.\n\nChannel 0: Perfect. All good.\n\nChannel 1: Thank\n\nChannel 0: Well, I\n\nChannel 1: you\n\nChannel 0: will\n\nChannel 1: very\n\nChannel 0: let you\n\nChannel 1: much.\n\nChannel 0: go to that's okay. You're welcome to take that back and have a read to the document.\n\nChannel 1: Okay.\n\nChannel 0: If\n\nChannel 1: And\n\nChannel 0: you\n\nChannel 1: then\n\nChannel 0: do\n\nChannel 1: I have\n\nChannel 0: have any\n\nChannel 1: to click\n\nChannel 0: questions\n\nChannel 1: something. Alright. Yes.\n\nChannel 0: no.\n\nChannel 1: I can get in touch.\n\nChannel 0: So\n\nChannel 1: Do\n\nChannel 0: if\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: sign something?\n\nChannel 0: you do. So\n\nChannel 1: I'm just\n\nChannel 0: if\n\nChannel 1: going\n\nChannel 0: you\n\nChannel 1: down.\n\nChannel 0: decide you're\n\nChannel 1: Click\n\nChannel 0: happy\n\nChannel 1: to\n\nChannel 0: with\n\nChannel 1: start.\n\nChannel 0: the recommendations,\n\nChannel 1: Alright.\n\nChannel 0: you\n\nChannel 1: Mhmm.\n\nChannel 0: can sign the document. I just wanna let you know, Maria, you don't have to sign it now. You can take it back and read it first.\n\nChannel 1: Yeah.\n\nChannel 0: You don't\n\nChannel 1: I'm gonna\n\nChannel 0: have to\n\nChannel 1: do\n\nChannel 0: choose.\n\nChannel 1: that. Yeah. I wanna\n\nChannel 0: Yes.\n\nChannel 1: absorb it. Yeah.\n\nChannel 0: Absolutely. And then once you're happy to sign the document to take on the recommendations, you sign the bottom of it, and it comes back to us, and we will put those in place there for you. Okay?\n\nChannel 1: Fantastic. I love that. And how long does that take to implement data? Selling down the shares we or the shares we don't want and all the funds we don't want and then repurchasing.\n\nChannel 0: Buying in.\n\nChannel 1: Yeah. Because\n\nChannel 0: It can\n\nChannel 1: it's a long\n\nChannel 0: normally,\n\nChannel 1: period\n\nChannel 0: it's\n\nChannel 1: of time or quite\n\nChannel 0: it's\n\nChannel 1: quick.\n\nChannel 0: honestly not too bad. It can be done fairly quickly. Most of\n\nChannel 1: Okay.\n\nChannel 0: the funds, we can sort of buy and sell within about two to three days. It's the Bennelong\n\nChannel 1: Oh, wow.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: takes the longest. So the\n\nChannel 1: Yeah.\n\nChannel 0: managed fund that we wanna get you out of because it's underperforming, that can take up to four weeks to fully sell\n\nChannel 1: Okay.\n\nChannel 0: down. So,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: yeah, if we can try and do that as quickly as possible, that would\n\nChannel 1: Yeah.\n\nChannel 0: be great to get you out of it because it is\n\nChannel 1: Yes.\n\nChannel 0: the hardest one\n\nChannel 1: It's\n\nChannel 0: to sell\n\nChannel 1: sluggish.\n\nChannel 0: down.\n\nChannel 1: Very sluggish.\n\nChannel 0: It is. It\n\nChannel 1: Yeah.\n\nChannel 0: is. It is.\n\nChannel 1: Pulling\n\nChannel 0: But\n\nChannel 1: everything\n\nChannel 0: no. Look.\n\nChannel 1: down,\n\nChannel 0: Take\n\nChannel 1: isn't it?\n\nChannel 0: it is. It is. But now look. Take some time to read that over. And\n\nChannel 1: I\n\nChannel 0: once\n\nChannel 1: shall.\n\nChannel 0: you've read it and you're happy to accept the recommendations, you just sign the bottom of it. It comes back to us automatically, and we\n\nChannel 1: Mhmm.\n\nChannel 0: will start by selling everything down and buying into the new investments for you.\n\nChannel 1: It's exciting.\n\nChannel 0: Okay.\n\nChannel 1: Thanks for that,\n\nChannel 0: Yeah.\n\nChannel 1: Damon.\n\nChannel 0: That's okay. Do you have any questions? Is there anything I haven't sorta answered correctly or that you wanted\n\nChannel 1: No.\n\nChannel 0: more clarification on?\n\nChannel 1: No. It's all very clear. You're so good\n\nChannel 0: Beautiful.\n\nChannel 1: at explaining\n\nChannel 0: Oh,\n\nChannel 1: everything\n\nChannel 0: thank you.\n\nChannel 1: and in\n\nChannel 0: Thank\n\nChannel 1: in in\n\nChannel 0: you.\n\nChannel 1: you know? So I appreciate\n\nChannel 0: Thank\n\nChannel 1: that.\n\nChannel 0: you.\n\nChannel 1: Now you've\n\nChannel 0: Oh,\n\nChannel 1: covered everything. I had a little notepad with with questions on it, but we've gone over everything. So\n\nChannel 0: beautiful.\n\nChannel 1: all good.\n\nChannel 0: That's really good. Excellent.\n\nChannel 1: Alright then. Well, thank you for\n\nChannel 0: Thank\n\nChannel 1: your\n\nChannel 0: you.\n\nChannel 1: time and all your hard work.\n\nChannel 0: My pleasure. Not a problem at all. Not a problem at all. Thank you so much.\n\nChannel 1: Lovely.\n\nChannel 0: The only other thing to let you know that\n\nChannel 1: Mhmm.\n\nChannel 0: is that tax file opt in form that we had with the wrong number last time, the\n\nChannel 1: Yeah.\n\nChannel 0: the girls have attached it to this document. We thought because we're doing it electronically, we'd attach it all to one for you so you're not signing lots of different electronic documents to make it easier. So when you sign the advice, it will automatically prompt you to sign the document as\n\nChannel 1: Okay.\n\nChannel 0: well. Okay.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Beautiful. Excellent. And I've got\n\nChannel 1: Perfect.\n\nChannel 0: some reading material attached. I've also got, like, if you're interested, the\n\nChannel 1: Yes.\n\nChannel 0: the product disclosure statements for Hub\n\nChannel 1: Please.\n\nChannel 0: '24. And\n\nChannel 1: Yep.\n\nChannel 0: I've also got our financial services guide in there as well as\n\nChannel 1: I\n\nChannel 0: an\n\nChannel 1: don't\n\nChannel 0: attachment.\n\nChannel 1: know if you gave\n\nChannel 0: So\n\nChannel 1: me\n\nChannel 0: if you\n\nChannel 1: that. Did you\n\nChannel 0: I\n\nChannel 1: give\n\nChannel 0: probably\n\nChannel 1: me that when\n\nChannel 0: I\n\nChannel 1: I was in\n\nChannel 0: think\n\nChannel 1: there? I think\n\nChannel 0: I\n\nChannel 1: I've\n\nChannel 0: did.\n\nChannel 1: got that. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But that's\n\nChannel 0: I think\n\nChannel 1: okay.\n\nChannel 0: I did. But I\n\nChannel 1: Yeah.\n\nChannel 0: attached it to everything, so everyone\n\nChannel 1: Yeah.\n\nChannel 0: gets\n\nChannel 1: That's\n\nChannel 0: a few\n\nChannel 1: fine.\n\nChannel 0: copies of those. Just making sure.\n\nChannel 1: No problem. No problem.\n\nChannel 0: But\n\nChannel 1: And\n\nChannel 0: no.\n\nChannel 1: I look up every\n\nChannel 0: All\n\nChannel 1: now and\n\nChannel 0: good.\n\nChannel 1: then, I look up the different funds and just see where they're tracking.\n\nChannel 0: All\n\nChannel 1: You\n\nChannel 0: good.\n\nChannel 1: know, I probably go into it too much, but I'm just\n\nChannel 0: That's\n\nChannel 1: curious.\n\nChannel 0: okay.\n\nChannel 1: You know, I just like\n\nChannel 0: Absolutely.\n\nChannel 1: to have a look. And so, yeah, I'll be interested to have a look at these new funds once they're up and running. It's\n\nChannel 0: Beautiful.\n\nChannel 1: it's good. And\n\nChannel 0: Excellent.\n\nChannel 1: just you\n\nChannel 0: And\n\nChannel 1: just\n\nChannel 0: I'll\n\nChannel 1: read\n\nChannel 0: make\n\nChannel 1: about\n\nChannel 0: sure we\n\nChannel 1: them.\n\nChannel 0: have\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Yeah. Absolutely. That's really good. And if you ever get stuck or have questions, you know where I am.\n\nYou're welcome to email\n\nChannel 1: I\n\nChannel 0: me,\n\nChannel 1: do.\n\nChannel 0: call me. I'll always try to fit you in.\n\nChannel 1: You're very good. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: And I'll make sure we definitely do a catch up in early December. Okay?\n\nChannel 1: I look forward to that. Thank you so much, Dana.\n\nChannel 0: Thank you, Marie. You have a lovely afternoon. Appreciate your time.\n\nChannel 1: And you. Take care, won't you?\n\nChannel 0: Thank you. You too. See you later.\n\nChannel 1: Bye bye for now. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.025855617597699165},{"text":"Maria speaking.","start":1.92,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.023782706819474697}],"sentiment":"neutral","sentiment_score":0.024473677078882854,"channel":1,"num_words":3,"start":1.4399999,"end":2.8999999},{"sentences":[{"text":"Hi, Maria.","start":3.6799998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.09869469329714775},{"text":"It's Dana.","start":4.3199997,"end":5.12,"sentiment":"neutral","sentiment_score":0.13568908721208572},{"text":"How are you?","start":5.12,"end":6.02,"sentiment":"neutral","sentiment_score":0.1566323091586431}],"sentiment":"neutral","sentiment_score":0.1340949269277709,"channel":0,"num_words":7,"start":3.6799998,"end":6.02},{"sentences":[{"text":"Good, Dana.","start":6.08,"end":7.06,"sentiment":"positive","sentiment_score":0.39468061923980713},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.28263844052950543}],"sentiment":"neutral","sentiment_score":0.3274553120136261,"channel":1,"num_words":5,"start":6.08,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.48,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5341124435265859},{"text":"Thank you.","start":9.5199995,"end":10.16,"sentiment":"positive","sentiment_score":0.5972974598407745},{"text":"How's your day being so far?","start":10.16,"end":12.0199995,"sentiment":"neutral","sentiment_score":0.2357800230383873}],"sentiment":"positive","sentiment_score":0.38287385349923914,"channel":0,"num_words":11,"start":8.48,"end":12.0199995},{"sentences":[{"text":"Very, very lazy.","start":12.4,"end":13.62,"sentiment":"neutral","sentiment_score":0.002597428858280182}],"sentiment":"neutral","sentiment_score":0.002597428858280182,"channel":1,"num_words":3,"start":12.4,"end":13.62},{"sentences":[{"text":"Oh, that's good.","start":14.4,"end":15.7,"sentiment":"positive","sentiment_score":0.48621904850006104}],"sentiment":"positive","sentiment_score":0.48621904850006104,"channel":0,"num_words":3,"start":14.4,"end":15.7},{"sentences":[{"text":"It's wonderful.","start":15.785,"end":16.605,"sentiment":"positive","sentiment_score":0.7422490417957306}],"sentiment":"positive","sentiment_score":0.7422490417957306,"channel":1,"num_words":2,"start":15.785,"end":16.605},{"sentences":[{"text":"That's a good","start":16.295,"end":16.935,"sentiment":"positive","sentiment_score":0.5366631547609965}],"sentiment":"positive","sentiment_score":0.5366631547609965,"channel":0,"num_words":3,"start":16.295,"end":16.935},{"sentences":[{"text":"It's a day off, so I'm just relaxing and not doing much at all.","start":18.105,"end":23.805,"sentiment":"neutral","sentiment_score":0.2848298219697816}],"sentiment":"neutral","sentiment_score":0.2848298219697816,"channel":1,"num_words":14,"start":18.105,"end":23.805},{"sentences":[{"text":"oh, that's really good.","start":23.975,"end":25.255001,"sentiment":"positive","sentiment_score":0.5620104521512985},{"text":"I'm glad.","start":25.255001,"end":25.994999,"sentiment":"positive","sentiment_score":0.626250684261322},{"text":"Maria, I had you booked in to go through your updated statement of advice.","start":26.775002,"end":30.135,"sentiment":"neutral","sentiment_score":0.1797692073243005},{"text":"Is now still a good time there for you?","start":30.135,"end":32.27,"sentiment":"neutral","sentiment_score":0.15782684667242897}],"sentiment":"neutral","sentiment_score":0.25647426550758295,"channel":0,"num_words":29,"start":23.975,"end":32.27},{"sentences":[{"text":"Yes.","start":31.869999,"end":32.35,"sentiment":"neutral","sentiment_score":0.09151572734117508},{"text":"Yes.","start":32.35,"end":32.75,"sentiment":"neutral","sentiment_score":0.105864480137825},{"text":"Absolutely.","start":32.75,"end":33.25,"sentiment":"neutral","sentiment_score":0.17230167984962463},{"text":"We're","start":33.47,"end":33.71,"sentiment":"neutral","sentiment_score":0.15163524448871613}],"sentiment":"neutral","sentiment_score":0.1303292829543352,"channel":1,"num_words":4,"start":31.869999,"end":33.71},{"sentences":[{"text":"Yep.","start":33.61,"end":34.11,"sentiment":"neutral","sentiment_score":0.151969775557518}],"sentiment":"neutral","sentiment_score":0.151969775557518,"channel":0,"num_words":1,"start":33.61,"end":34.11},{"sentences":[{"text":"expecting 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down to page number 19 for me, I'll essentially","start":687.15497,"end":691.315,"sentiment":"neutral","sentiment_score":0.039524995667092944}],"sentiment":"neutral","sentiment_score":0.039524995667092944,"channel":0,"num_words":17,"start":687.15497,"end":691.315},{"sentences":[{"text":"Okay.","start":691.01996,"end":691.51996,"sentiment":"neutral","sentiment_score":0.03840355202555656}],"sentiment":"neutral","sentiment_score":0.03840355202555656,"channel":1,"num_words":1,"start":691.01996,"end":691.51996},{"sentences":[{"text":"take you through the main recommendations for 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the","start":1897.21,"end":1897.69,"sentiment":"neutral","sentiment_score":-0.005050369227925937}],"sentiment":"neutral","sentiment_score":0.04216166227482832,"channel":0,"num_words":13,"start":1894.01,"end":1897.69},{"sentences":[{"text":"Mhmm.","start":1897.69,"end":1898.19,"sentiment":"neutral","sentiment_score":-0.006025382317602634}],"sentiment":"neutral","sentiment_score":-0.006025382317602634,"channel":1,"num_words":1,"start":1897.69,"end":1898.19},{"sentences":[{"text":"moment, you do have about 10,000 sitting in cash there.","start":1897.69,"end":1900.8099,"sentiment":"neutral","sentiment_score":-0.028250167705118658},{"text":"That 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invested.","start":1903.61,"end":1905.7899,"sentiment":"neutral","sentiment_score":-0.04771994519978762},{"text":"So","start":1905.85,"end":1906.35,"sentiment":"neutral","sentiment_score":-0.006265018135309219}],"sentiment":"neutral","sentiment_score":-0.07329757051432834,"channel":0,"num_words":17,"start":1901.21,"end":1906.35},{"sentences":[{"text":"Yes.","start":1906.205,"end":1906.705,"sentiment":"neutral","sentiment_score":0.0022607995197176933}],"sentiment":"neutral","sentiment_score":0.0022607995197176933,"channel":1,"num_words":1,"start":1906.205,"end":1906.705},{"sentences":[{"text":"we're only gonna hold about 1.25 cash within the fund, 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whilst we're not recommending the draw downs in the retirement aspect, we're gonna give you a little bit of a table that kinda shows where we're tracking for based on the the outcome.","start":1928.29,"end":1939.095,"sentiment":"neutral","sentiment_score":0.046545357746072116},{"text":"We have a couple of ways of doing this, but we've chosen to do it this way because it's a bit clearer for you to read.","start":1939.715,"end":1944.755,"sentiment":"neutral","sentiment_score":0.12804572341533807},{"text":"I also have a table that I can use, but this kind of outlay is a bit clearer.","start":1944.755,"end":1949.44,"sentiment":"neutral","sentiment_score":0.1229544294377168},{"text":"So it essentially shows that at the age of 64, based on the current recommendations, we can project your super balance to be sitting at 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really good.","start":3081.6501,"end":3082.29,"sentiment":"positive","sentiment_score":0.8265153368314108},{"text":"And if you ever get stuck or have questions, you know where I am.","start":3082.29,"end":3085.01,"sentiment":"neutral","sentiment_score":0.22214052719729288}],"sentiment":"neutral","sentiment_score":0.3300375521183014,"channel":0,"num_words":20,"start":3079.195,"end":3085.01},{"sentences":[{"text":"You're welcome to email","start":3085.01,"end":3085.97,"sentiment":"neutral","sentiment_score":0.3206930011510849}],"sentiment":"neutral","sentiment_score":0.3206930011510849,"channel":0,"num_words":4,"start":3085.01,"end":3085.97},{"sentences":[{"text":"I","start":3085.955,"end":3086.115,"sentiment":"neutral","sentiment_score":0.23750318586826324}],"sentiment":"neutral","sentiment_score":0.23750318586826324,"channel":1,"num_words":1,"start":3085.955,"end":3086.115},{"sentences":[{"text":"me,","start":3085.97,"end":3086.29,"sentiment":"neutral","sentiment_score":0.23404332995414737}],"sentiment":"neutral","sentiment_score":0.23404332995414737,"channel":0,"num_words":1,"start":3085.97,"end":3086.29},{"sentences":[{"text":"do.","start":3086.115,"end":3086.615,"sentiment":"neutral","sentiment_score":0.1568174660205841}],"sentiment":"neutral","sentiment_score":0.1568174660205841,"channel":1,"num_words":1,"start":3086.115,"end":3086.615},{"sentences":[{"text":"call me.","start":3086.29,"end":3086.6902,"sentiment":"neutral","sentiment_score":0.22052987664937973},{"text":"I'll always try to fit you in.","start":3086.6902,"end":3088.3901,"sentiment":"positive","sentiment_score":0.4215826690196991}],"sentiment":"positive","sentiment_score":0.3769042707151837,"channel":0,"num_words":9,"start":3086.29,"end":3088.3901},{"sentences":[{"text":"You're very good.","start":3088.275,"end":3089.335,"sentiment":"positive","sentiment_score":0.753226657708486},{"text":"Thank","start":3089.395,"end":3089.635,"sentiment":"positive","sentiment_score":0.709266722202301}],"sentiment":"positive","sentiment_score":0.7422366738319397,"channel":1,"num_words":4,"start":3088.275,"end":3089.635},{"sentences":[{"text":"Yeah.","start":3089.57,"end":3089.81,"sentiment":"positive","sentiment_score":0.5121236443519592}],"sentiment":"positive","sentiment_score":0.5121236443519592,"channel":0,"num_words":1,"start":3089.57,"end":3089.81},{"sentences":[{"text":"you.","start":3089.635,"end":3090.135,"sentiment":"positive","sentiment_score":0.5902076959609985}],"sentiment":"positive","sentiment_score":0.5902076959609985,"channel":1,"num_words":1,"start":3089.635,"end":3090.135},{"sentences":[{"text":"And I'll make sure we definitely do a catch up in early December.","start":3089.81,"end":3092.79,"sentiment":"positive","sentiment_score":0.47020328503388625},{"text":"Okay?","start":3092.9302,"end":3093.4302,"sentiment":"positive","sentiment_score":0.37522804737091064}],"sentiment":"positive","sentiment_score":0.46341933948653086,"channel":0,"num_words":14,"start":3089.81,"end":3093.4302},{"sentences":[{"text":"I look forward to that.","start":3093.0698,"end":3094.27,"sentiment":"positive","sentiment_score":0.7414776682853699},{"text":"Thank you so much, Dana.","start":3094.27,"end":3095.65,"sentiment":"positive","sentiment_score":0.8452985048294067}],"sentiment":"positive","sentiment_score":0.7933880865573884,"channel":1,"num_words":10,"start":3093.0698,"end":3095.65},{"sentences":[{"text":"Thank you, Marie.","start":3096.0552,"end":3097.0952,"sentiment":"positive","sentiment_score":0.7976922988891602},{"text":"You have a lovely afternoon.","start":3097.0952,"end":3098.475,"sentiment":"positive","sentiment_score":0.828620445728302},{"text":"Appreciate your time.","start":3098.5352,"end":3099.7551,"sentiment":"positive","sentiment_score":0.770184596379598}],"sentiment":"positive","sentiment_score":0.8042484467679804,"channel":0,"num_words":11,"start":3096.0552,"end":3099.7551},{"sentences":[{"text":"And you.","start":3099.71,"end":3100.43,"sentiment":"positive","sentiment_score":0.34346115589141846},{"text":"Take care, won't you?","start":3100.43,"end":3101.8098,"sentiment":"neutral","sentiment_score":0.31123267859220505}],"sentiment":"neutral","sentiment_score":0.3219755043586095,"channel":1,"num_words":6,"start":3099.71,"end":3101.8098},{"sentences":[{"text":"Thank you.","start":3102.0552,"end":3102.615,"sentiment":"positive","sentiment_score":0.5528936386108398},{"text":"You too.","start":3102.615,"end":3103.3352,"sentiment":"neutral","sentiment_score":0.33130501210689545},{"text":"See you later.","start":3103.3352,"end":3104.155,"sentiment":"neutral","sentiment_score":0.30894508957862854}],"sentiment":"positive","sentiment_score":0.38503322431019377,"channel":0,"num_words":7,"start":3102.0552,"end":3104.155},{"sentences":[{"text":"Bye bye for now.","start":3104.27,"end":3105.15,"sentiment":"neutral","sentiment_score":0.12025291658937931},{"text":"Bye bye.","start":3105.15,"end":3105.8098,"sentiment":"neutral","sentiment_score":0.10227571055293083}],"sentiment":"neutral","sentiment_score":0.11426051457722981,"channel":1,"num_words":6,"start":3104.27,"end":3105.8098},{"sentences":[{"text":"Bye.","start":3105.895,"end":3106.395,"sentiment":"neutral","sentiment_score":-0.10493019968271255}],"sentiment":"neutral","sentiment_score":-0.10493019968271255,"channel":0,"num_words":1,"start":3105.895,"end":3106.395}]},"summary":{"result":"success","short":"During a conversation between Ygrene Energy representatives and a customer named Maria, they emphasize the importance of building up savings and reducing risk levels for retirement plans. They recommend reducing risk levels and adjusting investments, as well as modifying the beneficiary nomination and reducing the tax side of things when passing on a death benefit. The importance of updating retirement plans and reviewing estate planning for future retirement plans is also emphasized. The speakers thank the caller and express their interest in updating them."},"intents":{"segments":[{"text":"Maria, I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yes. Yes. Absolutely.","start_word":57,"end_word":82,"intents":[{"intent":"Offer assistance with statement of advise","confidence_score":1.4592347e-7}]},{"text":"And I'll do a really quick security check there for you just to confirm Mhmm. your full name, your date of birth, and address I should have on file. Yeah.","start_word":213,"end_word":242,"intents":[{"intent":"Obtain security check","confidence_score":0.0006154093}]},{"text":"your full name, your date of birth, and address I should have on file. Yeah.","start_word":228,"end_word":242,"intents":[{"intent":"Confirm identity","confidence_score":0.21809459},{"intent":"Provide personal information","confidence_score":0.001075245}]},{"text":"On the bottom of that same front page, you've got all prepared for Dana Taylor. So my details there has been prepared for my lovely team here, and my representative number is 1304394. Okay?","start_word":322,"end_word":355,"intents":[{"intent":"Prepare for representative","confidence_score":0.1363595}]},{"text":"If we scroll forward, the next page is just noting the best interest duty. So just making sure that we're providing advice under the best interest duty, which is part of the corporations act.","start_word":359,"end_word":392,"intents":[{"intent":"Provide advice","confidence_score":0.8054874}]},{"text":"So we're looking at updating the investments within the portfolio currently removing anything that's underperforming to make sure it is working better towards your retirement goals. And Yes.","start_word":442,"end_word":469,"intents":[{"intent":"Update investments","confidence_score":0.7181416}]},{"text":"We're gonna look at the TTR strategy. So we talked about that transition retirement strategy, and we're gonna Mhmm. sort of meet around about March next year Yes.","start_word":629,"end_word":656,"intents":[{"intent":"Review retirement strategy","confidence_score":0.29634726},{"intent":"Review retirement strategy","confidence_score":0.15789175}]},{"text":"So what I'm trying to get my head around it. Do I so in March, we sort of implement a TTR. Mhmm.","start_word":935,"end_word":956,"intents":[{"intent":"Plan implementation","confidence_score":0.00034398647}]},{"text":"But, yeah, it's actually kinda really cool because you're allowed to access up to 10% of the pension balance.","start_word":1083,"end_word":1101,"intents":[{"intent":"Access pension balance","confidence_score":0.6829174}]},{"text":"And then that sort of is drawn down to replenish your income, and then we put more money in the super.","start_word":1159,"end_word":1179,"intents":[{"intent":"Renew income","confidence_score":0.021294834},{"intent":"Refill income","confidence_score":0.07121475}]},{"text":"So when you're in the TTR, if I've got my leftover Mhmm. monies, can I still put that back into my super? Yeah.","start_word":1332,"end_word":1354,"intents":[{"intent":"Remain in super","confidence_score":0.0015385484}]},{"text":"I think the income's a little less. That was Okay. one year I earned that much, but I've I've dropped today. So I think with my tax, it was $60 this past financial year. Okay.","start_word":1693,"end_word":1727,"intents":[{"intent":"Report financial situation","confidence_score":0.00014283664}]},{"text":"On the next page is your assets and liabilities. Is there any major changes to that you'd like me to update as well? Not much.","start_word":1777,"end_word":1801,"intents":[{"intent":"Update and update assets and liabilities","confidence_score":0.011142756}]},{"text":"I've got the emergency fund at 10,000 at the minute, Mhmm. and other savings is almost 5,000. And I'm just putting into that whatever I've got left out, you know, I'm making sure I'm Yeah.","start_word":1802,"end_word":1836,"intents":[{"intent":"Maintain emergency fund and save money","confidence_score":0.013398443}]},{"text":"If you're eligible for the full pension, then we supplement that with super, and we just reduce how much we're drawing out of super to replenish your income. Does that make Okay.","start_word":2068,"end_word":2099,"intents":[{"intent":"Refill super income with super","confidence_score":0.00023381154}]},{"text":"take you through the main recommendations for this Absolutely. one.","start_word":2286,"end_word":2295,"intents":[{"intent":"Review super balance and recommendations","confidence_score":0.023187561}]},{"text":"How with the recommendations, which is the second column, I am recommending you retain hub twenty four. I do, as part of my research, look at hub twenty four as a fund as well as any other super funds out there. Mhmm.","start_word":2775,"end_word":2816,"intents":[{"intent":"Recommend retaining hub twenty four","confidence_score":0.052638326}]},{"text":"it's essentially your super fund just like you does a tax return every year, And if we had to trigger the full sell down and move all of your funds to another platform, it would have triggered a capital gains effective Right. over $5,800.","start_word":2849,"end_word":2892,"intents":[{"intent":"Analyze super fund benefits","confidence_score":0.011529237}]},{"text":"The ongoing service fee remains essentially the same. It is a percentage based fee that that will sort of change next year, but I'll take you through that fee when we meet. It's Okay.","start_word":3197,"end_word":3230,"intents":[{"intent":"Review fee difference","confidence_score":0.0006176804}]},{"text":"The main the main difference with your two different contributions caps, you've got concessional, which is where your employer contributions go in. That's where tax Mhmm. is taken out when the money hits the super system.","start_word":3605,"end_word":3640,"intents":[{"intent":"Highlight tax difference","confidence_score":0.0019031938}]},{"text":"The main sort of difference is with your concessional employer contributions, when that goes in, 15% tax is taken out of it. So only 85% of that contribution is invested over here. Whereas that nonconcessional contribution, that a 100% goes in from your after tax income, and a 100% of that in that money is invested in your portfolio for you. Uh-huh.","start_word":3668,"end_word":3729,"intents":[{"intent":"Highlight tax advantages","confidence_score":0.00034983197}]},{"text":"provide a greater long term benefit.","start_word":3734,"end_word":3739,"intents":[{"intent":"Explain long-term benefit","confidence_score":0.00071645074}]},{"text":"There are other there are other ways to kind of help with reducing the tax side of things when on a death benefit.","start_word":3952,"end_word":3974,"intents":[{"intent":"Reducing taxes","confidence_score":0.06804213}]},{"text":"when we look at the returns in the research with the the newer portfolio, it's averaged about 10.53%. So this newer portfolio is much cheaper for you. It's actually saving you on fees within the super system, which is fantastic.","start_word":4053,"end_word":4092,"intents":[{"intent":"Providing portfolio value","confidence_score":0.0000040081304}]},{"text":"So if we look at '64, just to sort of start with, by the age of 64, by making these changes, you could end up with 400 and 76,000 as opposed to $4.55. So it's an additional 20,000 on top of where you currently could be by changing the advice and changing the investments within your super. Okay? Yep. Right.","start_word":4259,"end_word":4318,"intents":[{"intent":"Compare investments","confidence_score":0.0017674648}]},{"text":"So that would vary if I was taking a TTR from earlier than Yep.","start_word":4318,"end_word":4331,"intents":[{"intent":"Assess trr","confidence_score":0.0023698192}]},{"text":"we'll do is Mhmm. when we get to that point next year and we do the TTR side of things, I will update the projection table to show you where we're tracking for, and we can compare Okay.","start_word":4352,"end_word":4389,"intents":[{"intent":"Update projection table","confidence_score":0.9308045}]},{"text":"that to what we've currently got here for you as well.","start_word":4390,"end_word":4400,"intents":[{"intent":"Show comparison","confidence_score":0.0048128236}]},{"text":"and you just wanna put more money into super, the main sort of reason people would, happy to go on with that transition retirement strategy is that increasing contributions into super reduces your take home pay. I So see.","start_word":4461,"end_word":4499,"intents":[{"intent":"Decrease expenses","confidence_score":0.005677842}]},{"text":"So the TCR strategy essentially allows you to draw some money out of the super system to replenish your income so that your take home pay stays about the same. That way, it's not having as great an effect on your take home pay and your expenditure, essentially. But if Okay.","start_word":4562,"end_word":4612,"intents":[{"intent":"Recommend tr strategy","confidence_score":0.025893426},{"intent":"Clarify tr strategy","confidence_score":0.000053496828}]},{"text":"I don't I don't need that extra money. Obviously, having it in super and boosting your contributions can provide a much greater effect for you. So Right. Okay.","start_word":4630,"end_word":4657,"intents":[{"intent":"Make money","confidence_score":0.14728585}]},{"text":"we we can look at that in March. We'll do a catch up. We'll talk about all the options. We'll look at all the bits and pieces, Yep. and then we can work out what you're comfortable with.","start_word":4657,"end_word":4694,"intents":[{"intent":"Work out options","confidence_score":0.0036524774}]},{"text":"I'll see if I can help you get into your MyGov account, and we will work out what your carry forward looks like, try to maximize contributions where we can.","start_word":4702,"end_word":4731,"intents":[{"intent":"Maximize contributions","confidence_score":0.7874969}]},{"text":"So So I just that's sort essentially of wanted to make sure I'd be okay yeah. at 64 long.","start_word":4757,"end_word":4775,"intents":[{"intent":"Stay in control","confidence_score":0.03135594}]},{"text":"And I thought, oh, yeah. you know, with the time frame narrowing, I'm thinking, is there a way we can move some of those some of Yep. that into other investments Absolutely.","start_word":5038,"end_word":5069,"intents":[{"intent":"Move funds","confidence_score":0.015235347}]},{"text":"Physical goal, we wanna keep it, but you've got 14% there at the moment. We only wanna hold 8%. So it's Okay.","start_word":5332,"end_word":5353,"intents":[{"intent":"Manage portfolio portfolio","confidence_score":0.017272482}]},{"text":"Essentially, once we've made those sales, what you'll see in your portfolio is 8% physical gold, 5% cybersecurity, 20% the S and P 500, so the top 200 companies on the s on the American Mhmm. market, 15% in the Raffy Australian 200.","start_word":5646,"end_word":5688,"intents":[{"intent":"Market funds","confidence_score":0.0024999713}]},{"text":"showing you so we talked about how whilst we're not recommending the draw downs in the retirement aspect, we're gonna give you a little bit of a table that kinda shows where we're tracking for based on the the outcome.","start_word":6355,"end_word":6394,"intents":[{"intent":"Show chart functionality","confidence_score":0.0030701}]},{"text":"And it is just a projection table. I know it goes up, and so I definitely don't think you're gonna have $1,600,000 at 8,100 because the Yeah. longer you survive, the more you have to actually draw down them. But there's only there's limitations on what we can do with these sorts of projection tables. So we kind Yeah.","start_word":6810,"end_word":6868,"intents":[{"intent":"Educate about projection tables","confidence_score":0.0026210994}]},{"text":"as we can into super to provide you with the best possible income in retirement.","start_word":7130,"end_word":7144,"intents":[{"intent":"Provide maximum income","confidence_score":0.0018604965},{"intent":"Increase income","confidence_score":0.036309525}]},{"text":"And the other side of it is your health can change as life gets Well, that's goes true.","start_word":7288,"end_word":7305,"intents":[{"intent":"Discuss health benefits","confidence_score":0.003494531}]},{"text":"at it in a lot more detail next year to see whether you wanna go down that route of that TTR side of things. Okay.","start_word":7427,"end_word":7451,"intents":[{"intent":"Discuss retirement retirement retirement","confidence_score":0.00013930922},{"intent":"Discuss retirement planning","confidence_score":0.015647322}]},{"text":"sum, is that over 60 or or is that is that is there a certain age that you can start pulling out?","start_word":7470,"end_word":7491,"intents":[{"intent":"Discuss retirement age","confidence_score":0.110440336},{"intent":"Discuss retirement retirement age","confidence_score":0.05007091}]},{"text":"So once you hit 64 and you fully retire, then you'll have a 100% access to all your money tax Oh, free with InsideSuper.","start_word":7572,"end_word":7595,"intents":[{"intent":"Discuss retirement eligibility","confidence_score":0.04880629},{"intent":"Discuss retirement eligibility","confidence_score":0.03892794},{"intent":"Discuss retirement eligibility","confidence_score":0.041648407},{"intent":"Discuss retirement eligibility","confidence_score":0.03257639}]},{"text":"really need to panic about putting thousands and thousands into savings. Is that sort of what we're saying? Yeah.","start_word":7728,"end_word":7746,"intents":[{"intent":"Discuss savings allocation","confidence_score":0.0018034102}]},{"text":"really We'll assess, see where you we know, are whether then. the TTR side of INGS will let we'll look at your I'll see if I can help you get into your myGov account, and we'll look at your carry forward contributions and see, you know, what we can utilize in the past couple of years to maximize your super as much as possible. Okay.","start_word":7789,"end_word":7853,"intents":[{"intent":"Evaluate super plan","confidence_score":0.01624731}]},{"text":"However, if they're older over the age of 18 or over the age of 25 if they're financial dependent, essentially, if they receive the funds direct from Super, the taxable component, they can pay tax on us up to 17% tax. So there's a couple of ways that we can look to reduce this.","start_word":8136,"end_word":8189,"intents":[{"intent":"Reduce tax burden","confidence_score":0.31463024}]},{"text":"at recontribution strategies and things to make your taxable component as tax free as possible. But for right now, to cover up into the point that you retire, to give your kids the best possible outcome, utilizing the legal personal representative and having your super paid through your estate, through your will, does alleviate some of the tax consequences that they would have to pay. So it does mean that they receive a little bit more money. Does that make sense?","start_word":8508,"end_word":8588,"intents":[{"intent":"Retribute funds","confidence_score":0.01041182}]},{"text":"Obviously, the the other side of this is that we set these beneficiary nominations up, and we have things in place.","start_word":8881,"end_word":8901,"intents":[{"intent":"Set beneficiary nominations","confidence_score":0.42996466}]},{"text":"We talk about the TTR. We decide whether you wanna do Okay. it or whether you just wanna put more money into super. We Yep.","start_word":9213,"end_word":9237,"intents":[{"intent":"Discuss tr","confidence_score":0.087224565},{"intent":"Discuss tr","confidence_score":0.3137851}]},{"text":"try to use catch up contributions in the last couple of years to, you know, provide greater benefit. We talk about whether we use it as catch up contributions or whether we do it nonconcessional to benefit your estate Mhmm.","start_word":9239,"end_word":9278,"intents":[{"intent":"Use catch up contributions","confidence_score":0.099439494}]},{"text":"but we do it one step at a time. And as we go through that process, we start to reduce risk levels. So right now, your growth, when we come back next year, I'll probably be saying let's let's really consider reducing the risk of it here. Let's start Right.","start_word":9325,"end_word":9374,"intents":[{"intent":"Reduce risk levels","confidence_score":0.097612984},{"intent":"Reducing risk levels","confidence_score":0.009274753}]},{"text":"just before we go away for the Christmas break, we can check-in to say, hey. This has been Where in place we up for to? a few months. Yeah.","start_word":9481,"end_word":9509,"intents":[{"intent":"Check-in","confidence_score":0.36451828}]},{"text":"just before we go away for the Christmas break, we can check-in to say, hey. This has been Where in place we up for to? a few months. Yeah. How's it working? And then we can catch up again, you know, early next year in March to talk about your next side of things. Okay?","start_word":9481,"end_word":9535,"intents":[{"intent":"Discuss next steps","confidence_score":0.38896447}]},{"text":"the funds, we can sort of buy and sell within about two to three days. It's the Bennelong Oh, wow. that Okay. takes the longest. So the Yeah. managed fund that we wanna get you out of because it's underperforming, that can take up to four weeks to fully sell Okay.","start_word":9765,"end_word":9815,"intents":[{"intent":"Promote fund recommendations","confidence_score":0.000017618888}]},{"text":"Do you have any questions? Is there anything I haven't sorta answered correctly or that you wanted No.","start_word":9941,"end_word":9958,"intents":[{"intent":"Answer questions","confidence_score":0.054434616}]},{"text":"Is there anything I haven't sorta answered correctly or that you wanted No. more clarification on?","start_word":9946,"end_word":9961,"intents":[{"intent":"Get clarification","confidence_score":0.00014123469}]}]},"sentiments":{"segments":[{"text":"Hello. Maria speaking. Hi, Maria. It's Dana. How are you?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.10307401418685912},{"text":"Good, Dana.","start_word":10,"end_word":11,"sentiment":"positive","sentiment_score":0.386482447385788},{"text":"How are you?","start_word":12,"end_word":14,"sentiment":"neutral","sentiment_score":0.285722553730011},{"text":"I'm very well. Thank you.","start_word":15,"end_word":19,"sentiment":"positive","sentiment_score":0.5414848327636719},{"text":"How's your day being so far? Very, very lazy.","start_word":20,"end_word":28,"sentiment":"neutral","sentiment_score":0.16376453638076782},{"text":"Oh, that's good. It's wonderful. That's a good It's a day off, so I'm just relaxing and not doing much at all. oh, that's really good. I'm glad.","start_word":29,"end_word":56,"sentiment":"positive","sentiment_score":0.4668070375919342},{"text":"Maria, I had you booked in to go through your updated statement of advice. Is now still a good time there for you? Yes. Yes. Absolutely. We're Yep. expecting your call.","start_word":57,"end_word":87,"sentiment":"neutral","sentiment_score":0.1620292067527771},{"text":"Wonderful. Fantastic.","start_word":88,"end_word":89,"sentiment":"positive","sentiment_score":0.5253065824508667},{"text":"I'm just gonna email it through to you. Are you able Okay. to jump into your emails there at all? Yes. Yes. I can. I've got my iPad Perfect. here. I'll just yep.","start_word":90,"end_word":122,"sentiment":"neutral","sentiment_score":0.1361631602048874},{"text":"Perfect.","start_word":123,"end_word":123,"sentiment":"positive","sentiment_score":0.33775582909584045},{"text":"I've just sent it through now. It should come through from Alright. either OdooSign or Dana or Oakview Financial. Okay. I'll just give it a tick. How you been going with it all? Oh, here we go. Signature Yeah. Good. request. Yeah. Alright.","start_word":124,"end_word":166,"sentiment":"neutral","sentiment_score":0.11026981472969057},{"text":"Fantastic.","start_word":167,"end_word":167,"sentiment":"positive","sentiment_score":0.3345707654953003},{"text":"Now before we jump into the call completely and start going through things, just to let you know we do record our calls for quality and training purposes. Are you happy Mhmm. for me to proceed with that moving forward? Yep. That's fine, Dana.","start_word":168,"end_word":211,"sentiment":"neutral","sentiment_score":0.12327242642641068},{"text":"Fantastic.","start_word":212,"end_word":212,"sentiment":"positive","sentiment_score":0.37945765256881714},{"text":"And I'll do a really quick security check there for you just to confirm Mhmm. your full name, your date of birth, and address I should have on file. Yeah. It's Maria Catherine Bilker. '6 Yep. 667, Unit 1082 To 4, Langport Parade, Madripa.","start_word":213,"end_word":256,"sentiment":"neutral","sentiment_score":0.08025313168764114},{"text":"Beautiful. Thank you so much for that.","start_word":257,"end_word":263,"sentiment":"positive","sentiment_score":0.4738044738769531},{"text":"Now with that email, you should see there if you press the button that says sign here, it lets you go forward so you can see the advice document. Okay. I'll press on that. Yep. And on the front page, you should see statement of advice prepared for Maria Bilkert as of the 08/24/2026. Mhmm. Yep. Yep.","start_word":264,"end_word":320,"sentiment":"neutral","sentiment_score":0.10378500231002506},{"text":"Beautiful.","start_word":321,"end_word":321,"sentiment":"positive","sentiment_score":0.736823320388794},{"text":"On the bottom of that same front page, you've got all prepared for Dana Taylor. So my details there has been prepared for my lovely team here, and my representative number is 1304394. Okay? Mhmm. Yep.","start_word":322,"end_word":357,"sentiment":"neutral","sentiment_score":0.2075372040271759},{"text":"Fantastic.","start_word":358,"end_word":358,"sentiment":"positive","sentiment_score":0.6848037242889404},{"text":"If we scroll forward, the next page is just noting the best interest duty. So just making sure that we're providing advice under the best interest duty, which is part of the corporations act. Then we've got the contents page, Mhmm. Mhmm. and then we've got areas that we're scoping in and out with regards to the advice there. So we're scoping in areas of superannuation. Essentially, you're wanting to retire fully by age 64 and then access the age pension at 67. So we're looking at updating the investments within the portfolio currently removing anything that's underperforming to make sure it is working better towards your retirement goals. And Yes. That's right. we've also got on the next page there areas that we scoped into a limited extent. So, essentially, because you are a little bit away from 64, we're not recommending a drawdown or how the the pension side is going to work yet. But what we've done is we've projected forward to show you essentially based on the current recommendations what that should look like based on your current circumstances for you, just to give you a bit of a guide and an update on where we're tracking for, and Mhmm. then we kinda review that moving forward. When you get to retirement, then we'll definitely look at drawdowns and how that looks and how you should be able to withdraw funds on a on a more in-depth basis. Okay? Okay. So do we do anything at 60 or just continue on the way I'm It going? depends Don't do it. yeah. So we're gonna do that. We're gonna look at the TTR strategy. So we talked about that transition retirement strategy, and we're gonna Mhmm. sort of meet around about March next year Yes. to look Okay. at getting that in place ready for your sixtieth birthday so we can Okay.","start_word":359,"end_word":673,"sentiment":"neutral","sentiment_score":0.05394405217634307},{"text":"kind of look at what to do moving forward for you and how that can benefit you down the track as well.","start_word":674,"end_word":695,"sentiment":"positive","sentiment_score":0.5612909197807312},{"text":"Okay? Okay. Would I be withdrawing some at 60 if I So needed if with I wanted to the or you or can, no? but you do have to physically retire. So in order to access so far, you have to be fully retired. Yeah.","start_word":696,"end_word":740,"sentiment":"neutral","sentiment_score":0.02127762883901596},{"text":"That is why being able to do this transfer time strategy works well.","start_word":741,"end_word":753,"sentiment":"positive","sentiment_score":0.3547753095626831},{"text":"So with a TTR strategy, you're increasing your contributions into the savings system as much as we can up to the cap. And then because that reduced your take home pay, we start to draw a little bit out of super. There's a bit of a loophole within the super system where with that TTR strategy, we can access up to 10% of your super balance or of the Yeah. balance we transfer into pension phase. Yes. So we'll That's what be I able was to thinking. yeah. So with that strategy, you increase your contributions in the super as much as you can up to the cap, and then we replenish your take home pay by drawing some of that out of the pension account for you. So your take home pay should stay about the same. You get to, as an advantage, reduce your take reduce your taxable the income tax you pay Uh-huh. and be putting as much as you possibly can into super as a last little, you know, boost towards your super. Mhmm. Right. Yeah. Okay. So what I'm trying to get my head around it. Do I so in March, we sort of implement a TTR. Mhmm. Is that what you're saying? Yeah. And I'll We draw talked a bit about off that. the Yeah. yeah. So we talked about meeting in March to do it in March because your birthday is in June. So if we sort of meet in March, we've got some time to do up the advice and get that ready. So in Okay. June, when you have your birthday, then we can kind of look at doing that TTR strategy and having it in place then for Oh, you.","start_word":754,"end_word":1043,"sentiment":"neutral","sentiment_score":0.14940281212329865},{"text":"brilliant.","start_word":1044,"end_word":1044,"sentiment":"positive","sentiment_score":0.6188257336616516},{"text":"Okay. Yeah.","start_word":1045,"end_word":1046,"sentiment":"neutral","sentiment_score":0.1987238377332687},{"text":"Sounds It's good.","start_word":1047,"end_word":1049,"sentiment":"positive","sentiment_score":0.6892325282096863},{"text":"a little bit complex. So when we get to that point, I'll be able to show it to you Yeah. in person, show you the numbers so you can kinda break it down.","start_word":1050,"end_word":1082,"sentiment":"neutral","sentiment_score":0.07234201580286026},{"text":"But, yeah, it's actually kinda really cool because you're allowed to access up to 10% of the pension balance.","start_word":1083,"end_word":1101,"sentiment":"positive","sentiment_score":0.4715404212474823},{"text":"So say, as an example, if you've got 200,000 in super and you've got more than that. But just as an example, if you've got 200,000 in super, we move a 190,000 across into the the TTR pension account. We're then allowed to access 10% of that balance for the year for the financial year. Oh, okay. And then that sort of is drawn down to replenish your income, and then we put more money in the super. So if you're on you know, you're in a 75% income tax bracket, you're paying 3232% tax. That money that goes into super is only taxed at 15% as opposed to your marginal tax rate of 32%. So the idea is to put more money in the super where it is taxed lower than your marginal tax rate, and then we're able to draw a little bit out of the out of the super system for to replenish your income. And the amount you're drawing out of the super system to replenish your income is tax free. So you're basically keeping Oh, your okay. take home pay exactly the same, putting more money into super, and drawing a little bit out to replenish Okay. your income.","start_word":1102,"end_word":1305,"sentiment":"neutral","sentiment_score":0.16612714529037476},{"text":"It works really cool. I'll show you what it looks like when we get to that point to make it easier.","start_word":1306,"end_word":1326,"sentiment":"positive","sentiment_score":0.3821145296096802},{"text":"Yeah. Yeah. Yeah. Okay. Yeah. So when you're in the TTR, if I've got my leftover Mhmm. monies, can I still put that back into my super? Yeah. Say you've Yeah. got just to re keep building it? Yeah. Or As long as is you've that got what cap happened? space, as long yeah. As long as you've got some cap space left concessionally, or Oh, we can look okay. at it non we can also look at it nonconcessional. So, like, you put that last little bit of money in nonconcessional as well. We can also look at doing it that way, but you can put money back in the super. Absolutely. Okay. Just that it's still building till Yeah. Yeah. retirement Yeah. sort of thing. Well, the idea is you're putting well, you're putting more money in the taking out. So, theoretically, if you're putting an extra $6,000 a year in the super, you should be able to draw less than that out to replenish your income. So just that Okay. strategy alone means that you are putting more money in the super to kinda boost I see. your super, provide a greater effect, and what you're drawing Mhmm. out isn't as much as you're putting in. It is a little Right. bit complex. So when we kind of meet You know it. in June I can even send you a little bit of an email after the call today if you like just as an example as a Okay. bit of a breakdown so you can kind of run your eyes over it. Yeah. That'd And be then great. when we when we kind of meet in March to sort of put the strategy in place prior to you turning 60 Yes. in June, we can kinda go through in a bit more detail then for Sounds you. How does great. that sound? Yeah. Yep.","start_word":1327,"end_word":1644,"sentiment":"neutral","sentiment_score":0.05678814218479133},{"text":"Beautiful. Sounds great. Thanks, Diana. Excellent.","start_word":1645,"end_word":1650,"sentiment":"positive","sentiment_score":0.4700976014137268},{"text":"If you go down to page number seven for me, now this has got Seven. the about you section with all of your details. Can you Mhmm. just reconfirm if there's been any major changes in your circumstances since we last spoke? I think the income's a little less. That was Okay. one year I earned that much, but I've I've dropped today. So I think with my tax, it was $60 this past financial year. Okay. 60 About thousand, sixty not the thousand. 75. Yep. Yeah. I was working No. four That's days, okay. but yeah. Aged Yep. care. Yep.","start_word":1651,"end_word":1751,"sentiment":"neutral","sentiment_score":-0.0258017685264349},{"text":"Everything else is great. Beautiful. Fantastic.","start_word":1752,"end_word":1757,"sentiment":"positive","sentiment_score":0.4626986086368561},{"text":"I'll just update that in the back end for you.","start_word":1758,"end_word":1767,"sentiment":"neutral","sentiment_score":0.3076457381248474},{"text":"Fantastic. Excellent.","start_word":1768,"end_word":1769,"sentiment":"positive","sentiment_score":0.7915242910385132},{"text":"And on the next you're Yep. right. On the next page is your assets and liabilities. Is there any major changes to that you'd like me to update as well? Not much. I've got the emergency fund at 10,000 at the minute, Mhmm. and other savings is almost 5,000. And I'm just putting into that whatever I've got left out, you know, I'm making sure I'm Yeah. building up my savings. Do you think with leaving work at 64, I should have a a a number in savings that I'm aiming for in Well, to you live sorta on wanted till to pension? have well, not really. Because Not if you really. retire at 64, we can definitely draw some funds out of super. So, Okay. yeah, I would probably just be keeping your emergency fund as a bit of an emergency fund. Mhmm. Because, realistically, when you get to 64, what I would like to be able to do is just before you get to that point you decide you wanna retire, you can tell me when that point comes. We'll look at what your look at your your income side of things. We'll look at what you have in super and look at how we draw down that $2,000 per week sorry, I per see. fortnight. And then when you get to 67 and we apply for the age pension, then we can draw back on how much you draw out of super. So, Mhmm. theoretically, Okay. from 64 to 67, you're drawing the full amount of income, that $2,000 per fortnight to to keep you keep your living expenses sorted. And then Oh, I when see. you get to, yeah, then when you get to the age pension age, then we apply for age pension. If you're eligible for the full pension, then we supplement that with super, and we just reduce how much we're drawing out of super to replenish your income. Does that make Okay. sense? Yes. Yes. Yes. I'm Yeah. thinking, oh, maybe I should aim for, I don't know, $50 in savings plus my emergency. You know, I'm sort of trying to think, okay. Yeah. But as you're explaining, you draw it back off Yeah. my off my super in the TTR Yeah. when the time comes. Yeah. Okay. Yeah. I Yeah. I tend to worry. I think, oh, will I have enough? And then am I putting in enough? Or do I I need to keep working around. I don't wanna make don't really don't wanna work more than I have to, but I No. know I've gotta keep building it up, but I'm getting a Yeah. bit tired. But No. That's we keep okay. plodding along. Absolutely. No. Look.","start_word":1770,"end_word":2227,"sentiment":"neutral","sentiment_score":-0.004584418630072904},{"text":"Honestly, you're doing a really good job, and Super is working and building really, really nicely.","start_word":2228,"end_word":2243,"sentiment":"positive","sentiment_score":0.6789619326591492},{"text":"I will let you go back to read the document after because it can be a lot Mhmm. to go through with me. Mhmm. But if I can get you to go down to page number 19 for me, I'll essentially Okay. take you through the main recommendations for this Absolutely. one. I'll just scroll down. You've been working hard on this, Dana. Has been. Yes. Yes. Now let me see. Seventeen, eighteen, nineteen. Here we go. That's the one.","start_word":2244,"end_word":2323,"sentiment":"neutral","sentiment_score":0.07626133412122726},{"text":"Beautiful.","start_word":2324,"end_word":2324,"sentiment":"positive","sentiment_score":0.4264644980430603},{"text":"So now you'll see this is the fee comparison table. It's essentially showing your current scenario versus what I'm recommending for you. So at the moment, within HUD '24, your current super balance, you got 244,427. From that, you're paying administration fees, investment fees. The ongoing service fee for us is also being deducted out, and contributions Mhmm. are essentially going in. You've got salary sacrifice there, and you've also made some non concessional contributions. So your contributions have been going in ad hoc and regularly to to provide that boost for you. You Mhmm. Okay. don't have any insurance premiums currently, which is okay, and then you've also got a growth portfolio. So we sort of talked about the risk profile side of things, and you wanted to stay in that higher sort of growth environment Yes. for the next sort of twelve months. And then next year, when we go into that TTR phase and we sort of transition into retirement from there, then we agreed to sort of look at reducing that back. Does that still sound appropriate to you? Yeah. Yeah. I wondered if we should be if I should be putting some more into high growth or not at this point. Honest honestly, I wouldn't be looking at reducing Okay. your risk level with the volatility out there. Putting Mhmm. you know, going more high growth means that you are increasing the risk level, Yes. which does mean that when the market goes down, you're gonna feel that as well. And if you Yeah. are wanting to start that TTR at that point, we have increased the risk, then you do risk as as starting to access those funds and in starting that transition sort of retirement It's phase yeah.","start_word":2325,"end_word":2619,"sentiment":"neutral","sentiment_score":0.013831306867680308},{"text":"right when the market is down, which could have a a worse effect for you.","start_word":2620,"end_word":2634,"sentiment":"negative","sentiment_score":-0.3430899679660797},{"text":"Gotcha. So, Mhmm. realistically, we wanna kinda start reducing our risk level. We don't wanna be increasing it as we get closer to accessing super. Okay. So Yep. staying where you are right now is fine. I would wanna do another catch up. So I'll do another probably catch up with you around about December just before we go away for the Christmas break. And then when they come back from Christmas break, we can do another catch up and really look at the strategy for that Okay. transition retirement phase next year for you. Does that sound okay? Yes.","start_word":2635,"end_word":2734,"sentiment":"neutral","sentiment_score":0.06186910346150398},{"text":"Sounds perfect. Beautiful.","start_word":2735,"end_word":2737,"sentiment":"positive","sentiment_score":0.5822349786758423},{"text":"Now when we sort of look at the five year rolling average, the current portfolio you're in, the research shows, it's averaged about 9.63% over the last sort of five years, which is not a bad return. How with the recommendations, which is the second column, I am recommending you retain hub twenty four. I do, as part of my research, look at hub twenty four as a fund as well as any other super funds out there. Mhmm. I did recommend retaining the fund you're in because if we look to sell down your entire portfolio, there is a much greater capital gains effect there for you. So Okay. it's essentially your super fund just like you does a tax return every year, And if we had to trigger the full sell down and move all of your funds to another platform, it would have triggered a capital gains effective Right. over $5,800. And we don't wanna do that because No. whilst you are contributing and getting growth, it means your fund has to make that money back. So if we can retain the super fund you're in, so long as it's a fine super fund, there's nothing wrong with hub twenty four. There's no changes that require it to be moved anywhere else at the moment. Mhmm. Then we can make the switches or change the investments without having such a big CDT effect for your super. Does that make sense? Yeah. It does.","start_word":2738,"end_word":2983,"sentiment":"neutral","sentiment_score":0.09283604121547404},{"text":"Thanks, Dana.","start_word":2984,"end_word":2985,"sentiment":"positive","sentiment_score":0.3675218224525452},{"text":"That's okay. So when we look at the changes, and I'll take you through those in a second, you'll see in the differences column there the $229. Can you see that on the top line? Yep. I do. Mhmm. Yep.","start_word":2986,"end_word":3025,"sentiment":"neutral","sentiment_score":0.07156600058078766},{"text":"Beautiful.","start_word":3026,"end_word":3026,"sentiment":"positive","sentiment_score":0.38667556643486023},{"text":"That's essentially the capital gains effect your super fund is gonna need to account for. So we are switching some of the investments around, but when we were looking at doing that with Mhmm. the research, we wanted to minimize the CDT effect for your super funds. So with the changes I'll take you through, it essentially means that your super fund is only gonna have to pay capital gains of around about $229, Okay. Yep.","start_word":3027,"end_word":3102,"sentiment":"neutral","sentiment_score":0.07984568923711777},{"text":"much nicer than 5,800.","start_word":3103,"end_word":3106,"sentiment":"positive","sentiment_score":0.4624146819114685},{"text":"Yes. Within the super fund, there's no change to the administration fees. They will stay exactly the same because you're staying within Hub there. However, the new investment portfolio is actually cheaper. You're currently paying 1,244 for the investment fees. With the newer portfolio, it's reducing it to 652 for the first year.","start_word":3107,"end_word":3159,"sentiment":"neutral","sentiment_score":0.2481134533882141},{"text":"So it's a saving of $592 for investment fees, which Okay. is good. That's more money that stays in your super fund working harder for you.","start_word":3160,"end_word":3185,"sentiment":"positive","sentiment_score":0.4329468011856079},{"text":"That's Does that right. make sense? Yep. Yeah. Mhmm.","start_word":3186,"end_word":3194,"sentiment":"neutral","sentiment_score":0.1344648152589798},{"text":"Beautiful.","start_word":3195,"end_word":3195,"sentiment":"positive","sentiment_score":0.4273712635040283},{"text":"The ongoing service fee remains essentially the same. It is a percentage based fee that that will sort of change next year, but I'll take you through that fee when we meet. It's Okay. not changing for now. You will see a difference of $59. That's because of the the growth expected within the portfolio. So for the year, we do expect to receive $4,347 as our ongoing service fee there Mhmm. for you. Okay? Yep. Your contributions will continue to go in, so don't change anything with those. That is all to go the same. I know you are making ad hoc contributions on a regular basis. Mhmm. That's You are okay welcome to do that? to Yep. Okay. yeah. Look. You you're not hitting the cap at any point at the moment. If you want, No. you can let me know whenever you're going to make a contribution, and I can check the cap space just to make sure that you're still good and okay to do that. Alternatively, if you wanna hold off until March next year, we could look at, you know, including that into the additional this new strategy with your transition into retirement side of things and maybe incorporate that for you. So we we did talk about increasing contributions to utilize some past cap space as well. We did decide to hold off on that until next year as well just because you couldn't get into your myGov account, and it's probably easy to sort of look at that as part of your overall retirement transition strategy. But if you are just making smaller regular, you know, ad hoc contributions here and there, you're welcome just to email me, let me know, and I can have a look for you to make sure there's no issues. Because Okay? isn't it 132,000 is the limit Yeah. for non concessional? That's that's the nonconcessional contribution limit. Yeah. You're well and truly under that for the Yeah. moment. That's a lot of money. Yeah. So I can keep Yeah. just putting in my 200 or 300 or $4.90 if I've got Yeah. it lying around. It's not lying around, Yeah. but I'm I'm making conscious effort to just boost where I can. Yeah.","start_word":3196,"end_word":3572,"sentiment":"neutral","sentiment_score":0.10469761516513496},{"text":"It's fine Yeah. Absolutely.","start_word":3573,"end_word":3576,"sentiment":"positive","sentiment_score":0.3641502857208252},{"text":"to do that without letting you know. Yeah. Yeah. Absolutely. As Okay. long as you're under that 130,000 Yes. for And nonconsessional, I will be. it's fine. Mhmm. The main the main difference with your two different contributions caps, you've got concessional, which is where your employer contributions go in. That's where tax Mhmm. is taken out when the money hits the super system. And then you've also got non concessional over here, which is that way you're talking about the cap state the cap of a 130,000 for the year. The main sort of difference is with your concessional employer contributions, when that goes in, 15% tax is taken out of it. So only 85% of that contribution is invested over here. Whereas that nonconcessional contribution, that a 100% goes in from your after tax income, and a 100% of that in that money is invested in your portfolio for you. Uh-huh. So you can Yep. provide a greater long term benefit. It does also mean because one of your aspects was making sure that your super in the event that you passed away is paid out to your children Mhmm. children as a dependency if they do receive the super benefits if they do receive the super benefit on death as a death benefit and then nontax dependent, they do pay tax on the taxable component. So that money that you're putting in over here ad hoc as a non concessional contribution, that's going into your tax free component, which can also, Mhmm. as a a benefit to your dependents if you were to pass away, they don't pay tax and a tax free component.","start_word":3577,"end_word":3853,"sentiment":"neutral","sentiment_score":0.11928080022335052},{"text":"So you're kind of I'm boosting good.","start_word":3854,"end_word":3860,"sentiment":"positive","sentiment_score":0.37949952483177185},{"text":"up your super, also building Yeah. a tax free component over here for if in the event you were to pass away, and it had to be paid out to your kids to help kind of reduce the overall tax side of things for them. Okay.","start_word":3861,"end_word":3906,"sentiment":"neutral","sentiment_score":0.27186766266822815},{"text":"So that is So a that's that good.","start_word":3907,"end_word":3914,"sentiment":"positive","sentiment_score":0.38251662254333496},{"text":"is a benefit. Yeah. Yeah. That is That's a benefit. good to just Yeah. keep just keep plugging away at that slowly but Just surely. keep That plugging was my away. plan. Yeah. Yeah. Absolutely. Yeah. Okay. There are other there are other ways to kind of help with reducing the tax side of things when on a death benefit. And as part of this, I have also made a recommendation we alter your beneficiary nomination. I'll take you through that shortly. Okay? Okay. Mhmm.","start_word":3915,"end_word":3999,"sentiment":"neutral","sentiment_score":0.015446101315319538},{"text":"Excellent.","start_word":4000,"end_word":4000,"sentiment":"positive","sentiment_score":0.48808860778808594},{"text":"So when you sort of look at that, look, there's it's just about retaining your HUB 24 super fund and just altering the investments within that to make it easier.","start_word":4001,"end_word":4030,"sentiment":"neutral","sentiment_score":0.22171007096767423},{"text":"The newer portfolio still retains you in that growth environment.","start_word":4031,"end_word":4040,"sentiment":"positive","sentiment_score":0.36070504784584045},{"text":"That's the second last column on that table there. Mhmm. And Mhmm. when we look at the returns in the research with the the newer portfolio, it's averaged about 10.53%.","start_word":4041,"end_word":4070,"sentiment":"neutral","sentiment_score":0.16480585932731628},{"text":"So this newer portfolio is much cheaper for you. It's actually saving you on fees within the super system, which is fantastic.","start_word":4071,"end_word":4092,"sentiment":"positive","sentiment_score":0.644006073474884},{"text":"And over the past sort of five years has provided a greater past performance. So whilst past performance is no indicator, it's not a guarantee that you're gonna Mhmm. get better performance moving forward. When we sort of look at that, if we look at the last five years and the average return it has achieved, then we can kinda take that data and go, well, if it's done this over the past five years, given the same market conditions, this portfolio can do the same thing again. Does that make Mhmm. sense? Yes. Yes.","start_word":4093,"end_word":4187,"sentiment":"neutral","sentiment_score":0.10802115499973296},{"text":"Perfectly. Beautiful.","start_word":4188,"end_word":4189,"sentiment":"positive","sentiment_score":0.5166606307029724},{"text":"Underneath that, we have the projection table there for you. So, essentially, given the new recommendations versus the current, if you were to stay where you are, you can sort of see where it's projected at '64, '67. And over the next ten years, if you wish to continue to keep it without drawing anything out, Okay.","start_word":4190,"end_word":4246,"sentiment":"neutral","sentiment_score":0.21974843740463257},{"text":"the recommended can actually put you in a much greater position.","start_word":4247,"end_word":4257,"sentiment":"positive","sentiment_score":0.4996833205223083},{"text":"So if we look at '64, just to sort of start with, by the age of 64, by making these changes, you could end up with 400 and 76,000 as opposed to $4.55. So it's an additional 20,000 on top of where you currently could be by changing the advice and changing the investments within your super. Okay? Yep. Right. So that would vary if I was taking a TTR from earlier than Yep. '64, And wouldn't it? Because when I'm not I'm not that's right. yeah. Yeah. Not a front What in there. we'll do is Mhmm. when we get to that point next year and we do the TTR side of things, I will update the projection table to show you where we're tracking for, and we can compare Okay. that to what we've currently got here for you as well. Yeah. Okay. Yeah. And if we decide not to do Yeah. the TTR at that time next year, is that Mhmm. okay that we can just That's keep fine. keep Yeah. going as Look. we are? If Okay. if you decide you don't wanna sort of draw do If the I'm TTR managing side okay. of things, Yeah. yeah, Mhmm. and you just wanna put more money into super, the main sort of reason people would, happy to go on with that transition retirement strategy is that increasing contributions into super reduces your take home pay. I So see. it means that Yeah. you have less money at the end of the week for your bills and expenditure. Yeah. But expenses are ex life is expensive at the moment, so most people can't sort of deal with that and can't reduce their expenses and have trouble, you know, paying the bills and things from the increase Yeah. in their contributions in. So the TCR strategy essentially allows you to draw some money out of the super system to replenish your income so that your take home pay stays about the same. That way, it's not having as great an effect on your take home pay and your expenditure, essentially. But if Okay. you get to in March and you go, hey. No. I'm good to continue doing this. I don't I don't need that extra money. Obviously, having it in super and boosting your contributions can provide a much greater effect for you. So Right. Okay. we we can look at that in March. We'll do a catch up. We'll talk about all the options. We'll look at all the bits and pieces, Yep. and then we can work out what you're comfortable with. Maybe look at your catch up contributions. I'll see if I can help you get into your MyGov account, and we will work out what your carry forward looks like, try to maximize contributions where we can.","start_word":4258,"end_word":4731,"sentiment":"neutral","sentiment_score":0.06998548632338329},{"text":"So that last couple of years, we can boost super as much as possible for you.","start_word":4732,"end_word":4747,"sentiment":"positive","sentiment_score":0.3624666035175323},{"text":"How does Okay that sound? then.","start_word":4748,"end_word":4753,"sentiment":"neutral","sentiment_score":0.14087557792663574},{"text":"Beautiful. Sounds great.","start_word":4754,"end_word":4756,"sentiment":"positive","sentiment_score":0.6460191011428833},{"text":"So So I just that's sort essentially of wanted to make sure I'd be okay yeah. at 64 long. I'm thinking, oh, you know, I've got some coworkers who they they're 67 now, and they're still working. And I think I really don't think I can last that long. So I'm they're, you know, they're sort of still Yes. plugging along. But my advantage is is that the house is paid off and I have no debt. I mean, Yes. they look they could be paying big mortgage, Yes. you know, rents or something or other. So Yeah. yeah. No. So, Absolutely. yeah, just by going it over with you, as you say, I should be okay to do that as Yes. as I as I Yeah. plan. I'll I'll have enough coming in to keep me floating along. Okay. Yep. Yeah. Absolutely. Yep.","start_word":4757,"end_word":4900,"sentiment":"neutral","sentiment_score":0.06655057519674301},{"text":"Absolutely. And we'll make sure it definitely works, and we'll look at it again next year.","start_word":4901,"end_word":4916,"sentiment":"positive","sentiment_score":0.39596453309059143},{"text":"Mhmm. And we'll keep kinda boosting it and doing what we can each year to get you as much as possible.","start_word":4917,"end_word":4937,"sentiment":"neutral","sentiment_score":0.28496772050857544},{"text":"Sounds great.","start_word":4938,"end_word":4939,"sentiment":"positive","sentiment_score":0.5675581693649292},{"text":"And and one of the things is maneuvering these investments to make sure that you are invested in a way that is making you money, that the investments are working harder for you, but Yes. that you're also trying to save a bit in fees as well and that we're not, you know we're we're removing any underperforming investments, which is Yes. kind of the biggest thing with this advice play piece. That's So right. Because of just just it was a bit, as you say, one of the one or two of them was sort of underperforming. And I thought, oh, yeah. you know, with the time frame narrowing, I'm thinking, is there a way we can move some of those some of Yep. that into other investments Absolutely. as you're Absolutely. saying? Yeah. Yeah. And if you scroll down to page number 21 for me, I can show Mhmm. you what those changes look like to make it easier. Yep. I got that here.","start_word":4940,"end_word":5105,"sentiment":"neutral","sentiment_score":0.014557133080909052},{"text":"Yeah. Excellent.","start_word":5106,"end_word":5107,"sentiment":"positive","sentiment_score":0.4573836028575897},{"text":"Now you'll see quite a lot of red and green on this page. This is outlining all the different investment options that you currently have and what Mhmm. we're gonna be adding into the portfolio. So there is a lot going on here. Alright. The the third column's your current weighting. So what you currently have within your super fund at the moment, and, obviously, the next column is the balance that you currently Mhmm. have within your super fund currently. The main column to sort of look at is the buy style, which has got that red and green, Mhmm. and the first column is all the individual investments there. Once we complete the changes, the last two columns show what you'll have in your super fund based on waiting and by balance. So that's Mhmm. after the changes are made. To kindly break Yep. it down and give you a little bit of context, but without overloading you with information, you've got the bank hybrids, which is the first one. That will Yep. be Yes. sold off completely. We talked about how they're gonna be phased out down the track. Yep. Yes. You've got that global agriculture. You only have about 2% there. We wanna K. remove that completely Let's get from rid of this that. portfolio Yep. as well. Yep. Physical goal, we wanna keep it, but you've got 14% there at the moment. We only wanna hold 8%. So it's Okay. important Mhmm. to rebalance it back and sell some of that to bring you back to an 8% waiting. Okay? Mhmm.","start_word":5108,"end_word":5373,"sentiment":"neutral","sentiment_score":0.04251608603346841},{"text":"And by selling that, you're cementing the gains that that physical gold has seen and reinvesting it back into your super fund. That's part of compounding. It's cementing Mhmm. gains and reinvesting it back in other areas so as it continues to make money and growth.","start_word":5374,"end_word":5419,"sentiment":"positive","sentiment_score":0.4034793972969055},{"text":"Okay?","start_word":5420,"end_word":5420,"sentiment":"neutral","sentiment_score":0.2323121279478073},{"text":"Wonderful.","start_word":5421,"end_word":5421,"sentiment":"positive","sentiment_score":0.6322100162506104},{"text":"Mhmm.","start_word":5422,"end_word":5422,"sentiment":"neutral","sentiment_score":0.25333791971206665},{"text":"Excellent.","start_word":5423,"end_word":5423,"sentiment":"positive","sentiment_score":0.5655252933502197},{"text":"You've got the cybersecurity, which is the next one down. You're Mhmm. a bit overweighted at the moment. We only wanna hold 5%, so it means we're gonna sell some of that. Okay. The S and P 500, we only wanna hold 20%. You've got a bit Yep. more than that in there at the moment, we're gonna sell a bit of that as well. And then you've also got the Raffi BetaShares Raffi a 200. This is giving you access to some of the top 200 companies on the ASX. Okay. You hold about 17.30. We only wanna hold 15%, so we're gonna Mhmm. sell some of that to bring you back down a little bit. Yep. And then underneath that, Benelon Australian Equities, that's the one that's underperforming. So we're giving that the flick and removing Yep. that Given completely the flick. there for Exactly. you. Uh-huh. Absolutely. Yep. Get out of that. So Mhmm. we're gonna sell all of that off so you no longer have that investment in there. And then the ClearBridge infrastructure income funds, the infrastructure has had a bit of volatility. There has been some changes in the market. That means it is time to remove you out of that investment Sure. there as well. So Mhmm. we're selling that one completely down. Right. Essentially, once we've made those sales, what you'll see in your portfolio is 8% physical gold, 5% cybersecurity, 20% the S and P 500, so the top 200 companies on the s on the American Mhmm. market, 15% in the Raffy Australian 200. We're then gonna have an ad India, which is the third one from the bottom. Yes. So five Mhmm. percent is the India quality ETF, four Brilliant. percent into global health care.","start_word":5424,"end_word":5719,"sentiment":"neutral","sentiment_score":-0.030063610700135295},{"text":"So health care is a good area to be invested, Very and good. global is giving you access to the entire globe, so diversification.","start_word":5720,"end_word":5743,"sentiment":"positive","sentiment_score":0.40693140029907227},{"text":"Mhmm. Love And then that. we still wanna have some more Australian equities. So we're gonna have the beta shares a 200. So this is, again, another top 200 companies on the ASX, and this is giving you greater diversification. So we already have the Raffy in there, but we're adding this investment. So you you're not overweight in any one particular investment. It does diversify across Mhmm.","start_word":5744,"end_word":5811,"sentiment":"neutral","sentiment_score":0.19049835205078125},{"text":"the Australian market, which is great, but it is giving you greater diversification, which helps to lower the risk of your portfolio as well, which is really important Yes.","start_word":5812,"end_word":5840,"sentiment":"positive","sentiment_score":0.35806989669799805},{"text":"because just because you're in growth doesn't mean you wanna have huge amounts of risk. You still wanna mitigate whatever risk you possibly can. So this does Mhmm. that. And that then along Australian Equities investment, that investment manager held between 15 to 25 different investments. So we're selling that off. It's underperforming and moving you into an investment that gives you access to the top 200 companies on the ASX for greater diversification, and it's cheaper Mhmm. investment. So it's it means it's less fees going out to the investment managers. Okay?","start_word":5841,"end_word":5933,"sentiment":"neutral","sentiment_score":0.14061778783798218},{"text":"Cool.","start_word":5934,"end_word":5934,"sentiment":"positive","sentiment_score":0.4505837261676788},{"text":"Yep.","start_word":5935,"end_word":5935,"sentiment":"neutral","sentiment_score":0.3046201467514038},{"text":"Excellent. Excellent.","start_word":5936,"end_word":5937,"sentiment":"positive","sentiment_score":0.5722640752792358},{"text":"Yep. Yeah. And then the next Sounds page, good. you've got the the last three, the JPMorgan Global Research Enhanced Equity Fund. Now this is giving you just a little bit of an actively managed fund in there. It is essentially giving you global exposure to Yes.","start_word":5938,"end_word":5984,"sentiment":"neutral","sentiment_score":0.21601563692092896},{"text":"equities across the entire globe, but JPMorgan's research team essentially choose what to invest in within this one, and it's actually a very good investment. It's a past it's a a low cost active management investment Mhmm. option and has done very, very well over the past few years.","start_word":5985,"end_word":6033,"sentiment":"positive","sentiment_score":0.4081733226776123},{"text":"And then defensive wise, because you're in that growth environment, we still wanna hold around about 20 in defensive investments, like cash bonds and fixed interest, Uh-huh. and that's where the iShares Yield plus and the core composite bonds comes into place Okay. for you. So it'll be giving you about 18% exposure into defensive investments for income producing because we still wanna make sure your portfolio has dividends and income that's paid to your cash account so you can have that reinvested back into your portfolio. Does Yes. that make sense? Yes.","start_word":6034,"end_word":6126,"sentiment":"neutral","sentiment_score":0.11577089875936508},{"text":"Wonderful.","start_word":6127,"end_word":6127,"sentiment":"positive","sentiment_score":0.40857070684432983},{"text":"Yeah.","start_word":6128,"end_word":6128,"sentiment":"neutral","sentiment_score":0.22562912106513977},{"text":"Thank you.","start_word":6129,"end_word":6130,"sentiment":"positive","sentiment_score":0.3816825747489929},{"text":"It's okay. That is a lot. I try to sort of go as No. easy as possible on No. those It's investments. good. Because But I do do a you little bit have of questions? research. No. I think you've answered all my questions. Thank you, Dana. Yeah. I do a little bit of research behind the scenes, and dad Yeah. was into investing and this, that, and the other, but I've sort of been a bit more hands on with reading up about the different companies and the different It's good. share markets and things. So, yes, it's making sense to me.","start_word":6131,"end_word":6233,"sentiment":"neutral","sentiment_score":0.06115258485078811},{"text":"I really appreciate all those changes.","start_word":6234,"end_word":6239,"sentiment":"positive","sentiment_score":0.44255131483078},{"text":"It's okay.","start_word":6240,"end_word":6241,"sentiment":"neutral","sentiment_score":0.2528965175151825},{"text":"That looks good.","start_word":6242,"end_word":6244,"sentiment":"positive","sentiment_score":0.4545327126979828},{"text":"Excellent. Now underneath that, you've also got the cash table. So at the moment, Mhmm. you do have about 10,000 sitting in cash there. That is Mhmm. a little bit too high cash wise, essentially. You wanna make sure more money is invested. So Yes. we're only gonna hold about 1.25 cash within the fund, and Great. all the rest of it. So a bit over 7,000 needs to be invested back into that portfolio above there for you, so it's working K. harder. Yeah. Okay? That's it. Yep.","start_word":6245,"end_word":6333,"sentiment":"neutral","sentiment_score":-0.0019720627853039947},{"text":"Yeah. Excellent.","start_word":6334,"end_word":6335,"sentiment":"positive","sentiment_score":0.5982872247695923},{"text":"Alright. If you go down to the page number 24 for me, 24. this is Yep. essentially Got that. showing you so we talked about how whilst we're not recommending the draw downs in the retirement aspect, we're gonna give you a little bit of a table that kinda shows where we're tracking for based on the the outcome. We have a couple of ways of doing this, but we've chosen to do it this way because it's a bit clearer for you to read. I also have a table that I can use, but this kind of outlay is a bit clearer. So it essentially shows that at the age of 64, based on the current recommendations, we can project your super balance to be sitting at $476,616.62. Yep. The next side of it and it kinda projects forward over the next, you know, to pay at $8.01 Mhmm. 100, essentially. The next column is basically working on how much income should be produced from that from that portfolio based on a conservative rate of return, and we essentially use about a five to 6% return in Mhmm. those those return year. Sorry. And then we've also got the fees. So the next table outlines the ongoing costs based on the projected balance. We do overestimate the fee side of things, but then Mhmm. it's also got how much pension you would need to draw down. So based on your requirement of $2,000 on a fortnightly basis, drawing an income of 31,200 for the year, and then also looking at age pension entitlement when that's open there. And it sort of shows that based on all these factors, the projected outcome, the interest, the fees, the super pension amount that you would wanna draw down, and the fact that you might are going to be eligible for age pension down the track, realistically, all going, your your super balance should last quite a long time. It Uh-huh. is showing that it should last quite significantly. I don't think you're gonna have over a million dollars at age 100, but this is just Yeah. the way the projected table works. But, essentially, it does show that you can draw down based on your balance projected at age 65. You can start to draw down your income. You can then access age pension and reduce how much you're gonna need to live on. And your super should definitely last Okay. into Okay. the eighties and nineties at this point in time. We wanna Yep. make sure it lasts even longer that and gives you the best possible outcome, so we wanna keep boosting it. But it is Mhmm.","start_word":6336,"end_word":6782,"sentiment":"neutral","sentiment_score":0.07289201646243165},{"text":"showing you that right now, what you're on track for, your super could definitely work and last for you.","start_word":6783,"end_word":6801,"sentiment":"positive","sentiment_score":0.34319567680358887},{"text":"Okay?","start_word":6802,"end_word":6802,"sentiment":"neutral","sentiment_score":0.23345518112182617},{"text":"Excellent. Thank you for that. Yeah. Beautiful.","start_word":6803,"end_word":6809,"sentiment":"positive","sentiment_score":0.572833240032196},{"text":"And it is just a projection table. I know it goes up, and so I definitely don't think you're gonna have $1,600,000 at 8,100 because the Yeah. longer you survive, the more you have to actually draw down them. But there's only there's limitations on what we can do with these sorts of projection tables. So we kind Yeah. of have to work with them. That's So I would fine. say take it take it with a grain of salt when you're looking at that age because Yeah. as you get older and I older, don't wanna be you are that old. you are also supposed to take more out of sleep on a regular basis, and these are the sorts of things that we'll Yes. be able There to look is. at in a Yeah. lot more detail when you get closer to retirement, essentially. Yeah. Yeah. Yeah. I think it's I think it's 10% or something. It it's 1% per year or something, isn't it? So it starts at Up four to percent. Yeah. yes. Yes. When you get into your nineties, they want you to take, like, 13% of your balance. How is it? Yeah. Yeah. Yeah. But, Oh, I must mean, have realistically, it. most most of us in our nineties are probably in aged care home at that point anyway. Yeah. Yeah. Yeah. So Okay. Yes. Yes. We won't worry about that. Just a sec. no. No. Yes. No. All No. good.","start_word":6810,"end_word":7056,"sentiment":"neutral","sentiment_score":-0.009160438122657629},{"text":"But, yeah, look, honestly, this does sort of show. And with the research behind it, making the changes does put you in a good position, does keep more money invested. And, realistically, projection wise, your super balance can last, and it can do what you need it to based on where we expect it to be. But I would just like to, you know, keep building on it and get as much Yes. as we can into super to provide you with the best possible income in retirement.","start_word":7057,"end_word":7144,"sentiment":"positive","sentiment_score":0.5032263398170471},{"text":"Because the other side of it is, whilst we start drawing an income of $2,000 per fortnight or $1,000 per week when you first retire, that as you get older, as you wanna travel, as you might wanna buy a new car and do different things, you might need to draw regular or different ad hoc lump sums down on Oh, different I see. bases. So Yeah. it's about Yeah. putting as much as you possibly can in. So, a, you can draw down an income, but so you can also live and take a holiday when you want to. If you wanna buy Really? flights or, you know, hand some money out to your kids or, you know, buy Yeah. Christmas presents and things like that, you might need ad hoc withdrawals here and there, and that's something Okay. else to consider. And the other side of it is your health can change as life gets Well, that's goes true. on as well. So Mhmm. then the amount you might need to live on will need to increase. Not only are you is the requirement to draw out a super increasing, but how much you might need to live on can increase there as well. So those are other factors that we'll have to look at down the track. That's why boosting Yeah.","start_word":7145,"end_word":7368,"sentiment":"neutral","sentiment_score":0.11432294547557832},{"text":"a super as much as possible now and putting as much as we can in can provide a greater benefit down the track there for you.","start_word":7369,"end_word":7394,"sentiment":"positive","sentiment_score":0.44068974256515503},{"text":"Does that make sense? Yes.","start_word":7395,"end_word":7399,"sentiment":"neutral","sentiment_score":0.24160000681877136},{"text":"It does.","start_word":7400,"end_word":7401,"sentiment":"positive","sentiment_score":0.3336610198020935},{"text":"Yes.","start_word":7402,"end_word":7402,"sentiment":"neutral","sentiment_score":0.2747802138328552},{"text":"Yeah. Beautiful. But you can sort of see that gives you an idea that we're on track quite nicely, and we'll look Okay.","start_word":7403,"end_word":7425,"sentiment":"positive","sentiment_score":0.4104325473308563},{"text":"at it in a lot more detail next year to see whether you wanna go down that route of that TTR side of things. Okay. Okay? Yeah.","start_word":7426,"end_word":7452,"sentiment":"neutral","sentiment_score":0.06575026363134384},{"text":"Sounds good. Beautiful.","start_word":7453,"end_word":7455,"sentiment":"positive","sentiment_score":0.6817964911460876},{"text":"So when you say It's lump sum sorry, Daniel. When you say lump yeah. sum, is that over 60 or or is that is that is there a certain age that you can start pulling out? Not that I'm planning to, but because I I wanna have something more in savings. But Yeah. is it 60 that you're allowed to say I needed a new car? This one's Mhmm. 11 years old. Is there a certain age that I have to wait to be able to pull out? I don't know. A 10 lump or 20 sum. grand? Yeah. So you've gotta 60 be 60 something. and fully retired or Oh, fully retired. yeah. Okay. Yeah. So once you hit 64 and you fully retire, then you'll have a 100% access to all your money tax Oh, free with InsideSuper. right. In the You course. can take your income plus your ad hoc drawdowns as you need them. It'll all be absolutely fine. You Don't can let me know call when it and on if you there. need things like that From 60 before four. Okay. from 64 based on And your fully goal retired. age. Yep. But the the realistic view is that if you decide at 60 you wanna retire and start your own income, you can. The legislation states that preservation age is 60, so long as you're fully retired, Yeah. at age 65, regardless of whether you're working or not, they allow access to your money, a 100% of your funds inside super. And from 67, you can apply for the age pension. Right. So I don't Yeah. really need to panic about putting thousands and thousands into savings. Is that sort of what we're saying? Yeah. Yeah. Put put more into put more into super and just plug away Yep. at building up Yep. the savings. Yeah. Yeah. Alright. Yeah. Definitely. Okay. Definitely. Let's maybe table that until March. We'll come back Yeah. in March and maybe Yeah. really We'll assess, see where you we know, are whether then. the TTR side of INGS will let we'll look at your I'll see if I can help you get into your myGov account, and we'll look at your carry forward contributions and see, you know, what we can utilize in the past couple of years to maximize your super as much as possible. Okay. We could also talk about, you know, the different components and whether we throw more money in nonconcessionally and what that looks like Oh, for that's you.","start_word":7456,"end_word":7880,"sentiment":"neutral","sentiment_score":0.038795916858841394},{"text":"a good So, idea.","start_word":7881,"end_word":7884,"sentiment":"positive","sentiment_score":0.5652809143066406},{"text":"Yeah. Mhmm. yeah, I figure we switch the investments now and get things working a little bit. And then in Yes. March, we can sit down and go, right. You're nearly 60. What are we wanting to do? How do we Yeah. want this to play out? What do you have available? What's your catch up contributions look like, and we'll do another nice big plan and kind of build for the retirement aspect from there for you. How does Okay. that sound? Sounds Yeah?","start_word":7885,"end_word":7969,"sentiment":"neutral","sentiment_score":0.1270093321800232},{"text":"great.","start_word":7970,"end_word":7970,"sentiment":"positive","sentiment_score":0.5570974349975586},{"text":"Yep. Yep.","start_word":7971,"end_word":7972,"sentiment":"neutral","sentiment_score":0.26285654306411743},{"text":"Beautiful.","start_word":7973,"end_word":7973,"sentiment":"positive","sentiment_score":0.5415138602256775},{"text":"In the meantime, you can be popping some money away in your emergency fund just to kinda Yeah. give you that back up in case something happens up until that point. Yes. Mhmm. Yeah.","start_word":7974,"end_word":8007,"sentiment":"neutral","sentiment_score":0.1183190867304802},{"text":"Beautiful. That sounds great.","start_word":8008,"end_word":8011,"sentiment":"positive","sentiment_score":0.6755250692367554},{"text":"The last thing I wanted to kinda go through with you is if you go down to page 26 for me now this is the beneficiary Mhmm. side of things. So your goal was that you wanted to if anything happens to you, and I don't want anything to, I want you to get to retirement and enjoy your money and have a great, you know, twenty or thirty years in retirement or forty years. Essentially, if anything did happen, though, you wanted your super benefit benefit to be paid out to your kids, so to Charlotte Mhmm. and Jessica. Essentially, with the way the super system works and the way beneficiaries are, children are beneficiaries under the CISAT.","start_word":8012,"end_word":8130,"sentiment":"neutral","sentiment_score":0.17891882359981537},{"text":"That is absolutely fine.","start_word":8131,"end_word":8134,"sentiment":"positive","sentiment_score":0.6056121587753296},{"text":"However, if they're older over the age of 18 or over the age of 25 if they're financial dependent, essentially, if they receive the funds direct from Super, the taxable component, they can pay tax on us up to 17% tax. So there's a couple of ways that we can look to reduce this.","start_word":8135,"end_word":8188,"sentiment":"neutral","sentiment_score":-0.2352205514907837},{"text":"One is we can look to boost up the tax free benefit of your Super as much as possible because they receive that side of things completely Uh-huh.","start_word":8189,"end_word":8216,"sentiment":"positive","sentiment_score":0.4471862316131592},{"text":"tax free. Okay. We can't really change the taxable component currently. We have to wait till you retire to be able to kind Okay. of redig that to make it really tax free for them. Mhmm. However, at the moment, what I'm recommending we do is we change your beneficiary nomination. So Mhmm. the other way to help reduce the amount of tax that your beneficiaries are expected to pay if they were to receive the funds is to nominate your legal personal representative. Now if No. we essentially do this, we tick a box on the beneficiary form. And on your super fund and the beneficiary section, they just have legal personal representative exactly as it's nominated here. What that essentially means is is if you were to die tomorrow, you would just need to make sure you have a will in place. And in that will, you would nominate Charlotte and Jessica to receive the 50% of everything, Mhmm. basically. If you were then to pass away tomorrow with the claim is made on your super, the money is paid direct to your estate, and then as per the directions in your will, it is all paid out to the beneficiaries. Now it doesn't alleviate the tax wholly because there is still taxation consequences. We still pay tax on money that we've inherited. However, it can alleviate the Medicare levy, the 2% tax that they would have to pay for the Medicare levy.","start_word":8217,"end_word":8461,"sentiment":"neutral","sentiment_score":0.07346305251121521},{"text":"So it does increase the tax free component that they would receive. It does mean that they could receive a little bit more money upfront.","start_word":8462,"end_word":8486,"sentiment":"positive","sentiment_score":0.4583481252193451},{"text":"When we get to retirement age, you and I can readjust a lot of these things and do cash Mhmm. at recontribution strategies and things to make your taxable component as tax free as possible.","start_word":8487,"end_word":8521,"sentiment":"neutral","sentiment_score":0.15620634598391395},{"text":"But for right now, to cover up into the point that you retire, to give your kids the best possible outcome, utilizing the legal personal representative and having your super paid through your estate, through your will, does alleviate some of the tax consequences that they would have to pay. So it does mean that they receive a little bit more money.","start_word":8522,"end_word":8583,"sentiment":"positive","sentiment_score":0.4842531383037567},{"text":"Does that make sense? It does. Yeah. Who would you nominate, though, Yeah. as your legal representative? It'll be a lawyer or someone, No. So with you just have l p you just have it. legal personal representatives, and Oh. it means your will. It basically is Oh, you a long will. version saying your will. Yeah. Yeah. So whenever the Superfund sale sees LPR or legal personal representative, they know that it needs to go to the estate, and they pay it to the estate, and you just need to have your will done up correctly. Mhmm. I I am believe due now to have we it updated. I I haven't had yeah. it done since after divorce. Yes. Yes. So, That I was mean, one it does thing we nominate made mention. yeah. It does just say to the two children, but I I probably should that was over ten years ago. So best to go and get a new one done, Yeah. I guess, and then It it is you've it got is important we've got to that kind done. of update. Yeah. Absolutely. Yeah. Nothing's It is a changed.","start_word":8584,"end_word":8776,"sentiment":"neutral","sentiment_score":0.007604075595736504},{"text":"good thing to definitely have updated.","start_word":8777,"end_word":8782,"sentiment":"positive","sentiment_score":0.4437093138694763},{"text":"But even if you didn't, as long as, you know, these funds will still be paid for to the estate, and then as part of the the estate planning process, the executive will go, well, as long as we've got all the funds together, it can all be paid out.","start_word":8783,"end_word":8832,"sentiment":"neutral","sentiment_score":0.26086705923080444},{"text":"So it would still work.","start_word":8833,"end_word":8837,"sentiment":"positive","sentiment_score":0.3925953507423401},{"text":"There's nothing wrong with the way the will is essentially set up, Mhmm. Yeah. but No. it is Nothing's just about changed. eliminating eliminating the amount as much tax as possible on the beneficiaries if they were to receive it. Uh-huh. Okay. Obviously, the the other side of this is that we set these beneficiary nominations up, and we have things in place. But at the end of the day, we don't want anything to happen to you.","start_word":8838,"end_word":8915,"sentiment":"neutral","sentiment_score":0.07341761836925378},{"text":"We want you to get to 64, retire, draw your income, and enjoy your life at the end of the Uh-huh.","start_word":8916,"end_word":8936,"sentiment":"positive","sentiment_score":0.41757041215896606},{"text":"day. So Yeah. don't Okay. really want a estate claim. Yeah. No. That's okay.","start_word":8937,"end_word":8950,"sentiment":"neutral","sentiment_score":-0.07531579583883286},{"text":"But I appreciate that you've touched on that because I didn't know that that Yeah.","start_word":8951,"end_word":8965,"sentiment":"positive","sentiment_score":0.357025146484375},{"text":"was a thing to do. Would that be Yeah. something we would look at down the track? We can.","start_word":8966,"end_word":8984,"sentiment":"neutral","sentiment_score":0.19891095161437988},{"text":"Absolutely. Absolutely.","start_word":8985,"end_word":8986,"sentiment":"positive","sentiment_score":0.4483247399330139},{"text":"Okay. And when you when you when you fully retire and we have access Yeah. to all those funds, we can definitely, again, look at doing other strategies where we change your taxable component into tax free component. So there are things that we Just can different do. It's ways. just that we Yeah. can't do them yeah. We just can't do them till you retire because we need Yeah. access to your money to be able to do them. But That's there it. are Yeah.","start_word":8987,"end_word":9072,"sentiment":"neutral","sentiment_score":0.056875769048929214},{"text":"definitely some fun, cool strategies we can put in place to help you change the benefits and to help you maneuver things like that.","start_word":9073,"end_word":9096,"sentiment":"positive","sentiment_score":0.4738091826438904},{"text":"It's just about Mhmm. getting you to that retirement phase. So Yeah. Yeah. for One right step now at a time. Mhmm. Yeah. exactly. Exact and that's why I kinda wanted to make this a little bit easier.","start_word":9097,"end_word":9134,"sentiment":"neutral","sentiment_score":0.17678363621234894},{"text":"So one step at a time is definitely the right way to go, Yep.","start_word":9135,"end_word":9148,"sentiment":"positive","sentiment_score":0.4890006482601166},{"text":"not to overwhelm I agree. you too much. So starting with just altering the investments now, retain everything else That as looks it is, great. and then Yeah. in a couple of months' time, we check if that's working for you. Then Yeah. we come Okay. back and we go, right.","start_word":9149,"end_word":9199,"sentiment":"neutral","sentiment_score":0.2416139394044876},{"text":"Now you're turning 60. This is exciting.","start_word":9200,"end_word":9206,"sentiment":"positive","sentiment_score":0.4527836740016937},{"text":"What do Yeah. you wanna do? We talk about the TTR. We decide whether you wanna do Okay. it or whether you just wanna put more money into super. We Yep. try to use catch up contributions in the last couple of years to, you know, provide greater benefit. We talk about whether we use it as catch up contributions or whether we do it nonconcessional to benefit your estate Mhmm. planning process. And then we kinda go from there, then we get to the actual retirement, and we again revisit the estate planning Yeah. process and the Yeah. draw downs and how we structure things that way. So it's just a continuous It's process, continuous. Yeah. Yeah. but we do it one step at a time. And as we go through that process, we start to reduce risk levels. So right now, your growth, when we come back next year, I'll probably be saying let's let's really consider reducing the risk of it here. Let's start Right. pulling things back a bit for you, Move things and then we'll correct and we'll keep doing that as you get closer to retiring. That way, when you do access Fuqua, you're in a more conservative environment. Does around. that make Mhmm. sense? Yes. It does, Dana. Yep.","start_word":9207,"end_word":9422,"sentiment":"neutral","sentiment_score":0.046979244625954715},{"text":"Wonderful. Yeah. Beautiful. That looks great.","start_word":9423,"end_word":9428,"sentiment":"positive","sentiment_score":0.5545787215232849},{"text":"Yeah. Well, I'll It's be curious it's to a see lot. how the new investments go. It's exciting, Me isn't too. it? Me too. So Yeah. far, it's all been working really nicely, but that's why I do wanna make sure that you and I catch up in December. That way, Okay. just before we go away for the Christmas break, we can check-in to say, hey. This has been Where in place we up for to? a few months. Yeah. How's it working? And then we can catch up again, you know, early next year in March to talk about your next side of things. Okay?","start_word":9429,"end_word":9535,"sentiment":"neutral","sentiment_score":0.0863887295126915},{"text":"Beautiful. Sounds perfect. Perfect. All good. Thank Well, I you will very let you much.","start_word":9536,"end_word":9550,"sentiment":"positive","sentiment_score":0.4589369297027588},{"text":"go to that's okay. You're welcome to take that back and have a read to the document. Okay. If And you then do I have have any to click questions something. Alright. Yes. no. I can get in touch. So Do if I you sign something? you do. So I'm just if going you down. decide you're Click happy to with start. the recommendations, Alright. you Mhmm. can sign the document. I just wanna let you know, Maria, you don't have to sign it now. You can take it back and read it first. Yeah. You don't I'm gonna have to do choose. that. Yeah. I wanna Yes. absorb it. Yeah. Absolutely. And then once you're happy to sign the document to take on the recommendations, you sign the bottom of it, and it comes back to us, and we will put those in place there for you. Okay?","start_word":9551,"end_word":9699,"sentiment":"neutral","sentiment_score":0.11019170854315662},{"text":"Fantastic. I love that.","start_word":9700,"end_word":9703,"sentiment":"positive","sentiment_score":0.7582049369812012},{"text":"And how long does that take to implement data? Selling down the shares we or the shares we don't want and all the funds we don't want and then repurchasing. Buying in. Yeah. Because It can it's a long normally, period it's of time or quite it's quick. honestly not too bad. It can be done fairly quickly. Most of Okay. the funds, we can sort of buy and sell within about two to three days. It's the Bennelong Oh, wow. that Okay. takes the longest. So the Yeah. managed fund that we wanna get you out of because it's underperforming, that can take up to four weeks to fully sell Okay. down. So, Yeah. Yeah. yeah, if we can try and do that as quickly as possible, that would Yeah. be great to get you out of it because it is Yes. the hardest one It's to sell sluggish. down. Very sluggish. It is. It Yeah. is. It is. Pulling But everything no. Look. down, Take isn't it? it is. It is. But now look. Take some time to read that over. And I once shall. you've read it and you're happy to accept the recommendations, you just sign the bottom of it. It comes back to us automatically, and we Mhmm. will start by selling everything down and buying into the new investments for you.","start_word":9704,"end_word":9930,"sentiment":"neutral","sentiment_score":0.015432133339345455},{"text":"It's exciting.","start_word":9931,"end_word":9932,"sentiment":"positive","sentiment_score":0.5411236882209778},{"text":"Okay.","start_word":9933,"end_word":9933,"sentiment":"neutral","sentiment_score":0.26898014545440674},{"text":"Thanks for that, Yeah.","start_word":9934,"end_word":9937,"sentiment":"positive","sentiment_score":0.4300904273986816},{"text":"Damon. That's okay. Do you have any questions? Is there anything I haven't sorta answered correctly or that you wanted No. more clarification on? No. It's all very clear.","start_word":9938,"end_word":9966,"sentiment":"neutral","sentiment_score":0.012800895608961582},{"text":"You're so good Beautiful.","start_word":9967,"end_word":9970,"sentiment":"positive","sentiment_score":0.47785958647727966},{"text":"at explaining Oh, everything thank you. and in Thank in in you. you know?","start_word":9971,"end_word":9984,"sentiment":"neutral","sentiment_score":0.23401086032390592},{"text":"So I appreciate Thank that. you.","start_word":9985,"end_word":9990,"sentiment":"positive","sentiment_score":0.37496164441108704},{"text":"Now you've Oh, covered everything. I had a little notepad with with questions on it, but we've gone over everything.","start_word":9991,"end_word":10010,"sentiment":"neutral","sentiment_score":0.1402373164892197},{"text":"So beautiful. all good. That's really good. Excellent. Alright then. Well, thank you for Thank your you. time and all your hard work. My pleasure.","start_word":10011,"end_word":10035,"sentiment":"positive","sentiment_score":0.5084027647972107},{"text":"Not a problem at all. Not a problem at all.","start_word":10036,"end_word":10045,"sentiment":"neutral","sentiment_score":0.2916780710220337},{"text":"Thank you so much. Lovely.","start_word":10046,"end_word":10050,"sentiment":"positive","sentiment_score":0.5721705555915833},{"text":"The only other thing to let you know that Mhmm. is that tax file opt in form that we had with the wrong number last time, the Yeah. the girls have attached it to this document. We thought because we're doing it electronically, we'd attach it all to one for you so you're not signing lots of different electronic documents to make it easier. So when you sign the advice, it will automatically prompt you to sign the document as Okay. well. Okay. Okay. Sounds good.","start_word":10051,"end_word":10136,"sentiment":"neutral","sentiment_score":0.05657826364040375},{"text":"Beautiful. Excellent.","start_word":10137,"end_word":10138,"sentiment":"positive","sentiment_score":0.4489297568798065},{"text":"And I've got Perfect. some reading material attached. I've also got, like, if you're interested, the Yes. the product disclosure statements for Hub Please. '24. And Yep. I've also got our financial services guide in there as well as I an don't attachment. know if you gave So me if you that. Did you I give probably me that when I I was in think there? I think I I've did. got that. Yeah. Yeah. But that's I think okay. I did. But I Yeah. attached it to everything, so everyone Yeah. gets That's a few fine. copies of those. Just making sure. No problem. No problem. But And no. I look up every All now and good. then, I look up the different funds and just see where they're tracking. All You good. know, I probably go into it too much, but I'm just That's curious. okay. You know, I just like Absolutely.","start_word":10139,"end_word":10292,"sentiment":"neutral","sentiment_score":0.05463179665339458},{"text":"to have a look.","start_word":10293,"end_word":10296,"sentiment":"positive","sentiment_score":0.35467034578323364},{"text":"And so, yeah, I'll be interested to have a look at these new funds once they're up and running.","start_word":10297,"end_word":10315,"sentiment":"neutral","sentiment_score":0.2685838043689728},{"text":"It's Beautiful. it's good. And Excellent.","start_word":10316,"end_word":10321,"sentiment":"positive","sentiment_score":0.7940382361412048},{"text":"just you And just I'll read make about sure we them. have Yeah. yeah. Yeah.","start_word":10322,"end_word":10336,"sentiment":"neutral","sentiment_score":0.23798812925815585},{"text":"Absolutely. That's really good.","start_word":10337,"end_word":10340,"sentiment":"positive","sentiment_score":0.7763688564300537},{"text":"And if you ever get stuck or have questions, you know where I am. You're welcome to email I me, do. call me.","start_word":10341,"end_word":10363,"sentiment":"neutral","sentiment_score":0.23901422321796417},{"text":"I'll always try to fit you in. You're very good. Thank Yeah. you. And I'll make sure we definitely do a catch up in early December. Okay? I look forward to that. Thank you so much, Dana. Thank you, Marie. You have a lovely afternoon. Appreciate your time. And you.","start_word":10364,"end_word":10413,"sentiment":"positive","sentiment_score":0.6228674054145813},{"text":"Take care, won't you?","start_word":10414,"end_word":10417,"sentiment":"neutral","sentiment_score":0.30634573101997375},{"text":"Thank you. You too.","start_word":10418,"end_word":10421,"sentiment":"positive","sentiment_score":0.44550952315330505},{"text":"See you later. Bye bye for now. Bye bye. Bye.","start_word":10422,"end_word":10431,"sentiment":"neutral","sentiment_score":0.15284503996372223}],"average":{"sentiment":"neutral","sentiment_score":0.11127004569038663}}}}