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Isn't now still a good time there for you both? Oh, fantastic. Hi. I'm good. Thanks, Colin. How's your day? Oh, fantastic. What I'm gonna do is I'm gonna send you an email to you with the advice document attached. Now you both do get a copy, but you're welcome just to open it up so you can both look at the same one if it's easier for you. I've just pressed send on that one. Beautiful. Hopefully, it comes through fairly quickly. Love technology when it wants to work in our favor. Fantastic. Yeah. You're right. Not a problem at all. Just while that is coming through, I just need to let you both know we do record our calls for quality and training purposes. Are you both happy for that to proceed? Fantastic. And just to do a really quick security check there for you, I just need to confirm both your date of birth and just your residential address from one of you is fine. Legend. Thank you so much for that. Beautiful. Now you're right. Yeah. No. That's fine. That's fine. Thanks, Deborah. You're all good. All good. Lovely. So on the front of that one there, it will just have the statement of it as I'm sorry for both of yourselves. On the bottom of the document, it does have my authorized representative number. I'm a registered licensed financial adviser with ASIC, and my number registered is 1304394. To make this easier, so so as I'm not making it overcomplicated for you both, I'll go through the sections that I need to. So I'll direct you to a couple of the pages that we need to touch on, and then I'll let you both go back and have a really good read of the document. All of our the pages where the advice is noted, it does outline any advantages, disadvantages, risks involved, and I also have a best interest duty statement which outlines what the advice is in your best interest and how it relates back to your goals for you both. Okay? Excellent. Now I do apologize for the delay. We had the advice ready to go a few months back, but we have just sort of noted there's been some changes with market conditions, and I wanted to make some updates to your portfolio as well. And, Deborah, one of the things we talked about late last year was trying to get you a bit more life insurance as well. And very recently, an insurer has come out with an option for you. So it meant that I needed to just go back to the drawing board. I have some options for you to have a look at with regards to what I've recommended, and you guys can go back and decide what you're happy to take on board. Okay? Fantastic. I kinda thought let's do all this at once. Otherwise, I presented the advice to you, and then we had to go back and do a few more changes afterwards. So kind of putting it all into one advice document makes it a little bit easier for the both of you as well. Okay. Excellent. Now if I can get you to scroll down to page number two and three for me. Two is just the table of contents, but page number three and four and five outline the areas that we are and are not looking at advice at the moment. So we do have superannuation scoped in. When I spoke to you both last, you were both looking at retiring around about age 65 to 67. We had sort of talked about an annual income of around about 73,000, just sort of tracking forward that, I'm looking at Centrelink if eligible at 67 as well. Is that sort of goal still appropriate to you? Do you feel like any of that's changed? Beautiful. Beautiful. Yep. If you press on the button that says sign, it'll take you through so you can see the actual document. Sorry. My apologies if I missed that. Sorry about that, Barb. Yeah. All good. Yep. Beautiful. Sorry. I'm directing you to your pages. You can't even see. Sorry about that. All good. Now one of the things I do like to point out is when I am looking at the retirement aspect, you guys are getting closer to it. So we are looking at a that approximate income as part of your goal, but we know that can definitely change. So what happens is when we actually get to the the retirement years, we will have another conversation. When you tell me you're ready to retire, we'll look at in-depth what you actually need to live on and what your income expectation is. You need to draw out of super, and then we'll go back to the drawing board. I'll then provide additional advice on how we draw that income down from both these supers, how we supplement that with Centrelink, and we'll look at the nitty gritty on the drawdown. Okay? Beautiful. We've also scoped in essentially the insurance side of things. So, Colin, we're not making any changes to your insurance because you are pretty happy with the cover you have at the moment. You've got the TV policy outside of super and also just your in inside super policy. But, Deborah, you just wanted to have a little bit more. So your cover is only the hub 24 cover at the moment. You've got your life, CT, and income protection. We're not able to increase or obtain any new disability cover, so TPD or IP. Essentially, when we did your your pre assessment, it's just because the BMI is a little bit high. So when we have a BMI of over 40, we're putting much pressure on our heart, and the insurers take that as too much risk. You're really actually very healthy, and I'm confident that you're really you know, not gonna nothing's gonna happen, but it does, unfortunately, create a higher risk for the insurance companies. So when I was talking to the BDMs recently, I was making some changes to your portfolio. I sort of had a bit of a blind pre assessment, and they actually came out and said, hey. We are happy to look at things for you. So they are offering a bit of life cover, which basically means that in the event of you passing, Colin, you do are able to access a little bit more money to help pay down the mortgage, which would leave you with a little bit less stress in that event. Okay? So I'll go through that with you shortly. Because I am looking at, Deborah, you're getting a little bit more life cover, I've also scoped in the estate planning side of things just minimally just to make sure that your beneficiaries on your life cover are up to date and correct. Essentially, you both just wanted your beneficiaries to be paid to each other. Everything is already set up that way. It's just that we're making a new recommendation on life cover. We wanna make sure those beneficiaries are applied to that policy as well for you. Okay? I've limited scope in retirement. So, essentially, because you are getting closer to it, the way I've limited scope this year is that I've taken your projected outcome at the age of 65 and 67. So I project things like that in the back end for you, and then I look at essentially what we're looking at, how that drawdown might look with a little bit of a table for you. That drawdown can change, and it's just giving you an idea of where we're tracking for at the moment, but it gives us an idea of down the track. Do we need to implement other strategies or look at other options for strategies or increase contributions down the track? So I'll show you essentially where we're up to with that tracking, and then we can talk about other things that we can also do down the track to help you guys along. Okay? Areas that we've scoped out at the moment is essentially cash flow, savings, and debt. You guys are paying down your mortgage. You do hope to have that paid down, hopefully, by retirement. If you don't, we will help to make sure that, you know, you've got enough money coming out to supplement that. If you did need any additional advice in those areas down the track, let me know. We'll just go to that house for now. Okay. Excellent. Yeah. Okay. Beautiful. Yeah. Yep. That's perfect. Yeah. Absolutely. And when you get to that point, have a chat with me. We'll talk about what you've got, what, you know, you've got leftover, what your plans are, and we'll factor all of that in for you. Absolutely. Excellent. You are still very young. You've got a lot of time ahead of you still. Don't worry. Absolutely. Absolute and, look, I tell everyone, if I win, all of my clients will get a piece of pie. Don't you worry. Haven't yet won. That is it. That is it. My husband reckons he's taking the numbers and just waiting his time like, yeah. We've been doing this for five years now. It's not happening anytime soon. Absolutely. What else, sir? If you can just run to page number eight there for me. I've got your assets and liabilities noted down as per our last conversation. I know with, like, your primary residence and car loans and credit cards and things, there can be some changes there. Is there anything that you would like me to have altered or changed in the back end, changes to liabilities or assets? Yep. Beautiful. Fantastic. Excellent. Yep. Fantastic. And we've got your super balances noted there as well. So, Colin and Deborah, you currently got $386,009.57 in super for yourself, Colin. And, Deborah, you've got $427,005.54. So everything is looking very up. And, honestly, just so you guys both know, your balances are above the annual average for most people of your age and state. So your balances are very, very well. Deb, yours is actually a lot higher than the average person your own age for a female, so you can be really proud of that. We might have ways in the future. What I'd love to sort of see is as we get closer to it to be able to even it out so your balances are even as possible. That way we can draw a little bit out of both of them, keep them sort of on par, and then supplement with ink with Centrelink there as well. So that's what I would like to be able to help you guys to do. Okay. Excellent. The next couple of pages outline your current insurance policies. Colin, yours are all good. You were happy with all the policies that you do have there. Page number nine, Deborah, is yours. You've got your life and CBD within the hub twenty four super there, and then you've got your income protection policy as well. Okay? You are both technically growth investors, so there's no change to your risk profile at the moment. And the growth portfolio tends to suit someone who has around about six years towards accessing their super. So you are definitely on par there. I will be move moving forward, and we don't have to do the risk profile every year, essentially. We do like to, but moving forward, we will talk a lot more about the risk level and where you are invested and how you're invested in your annual reviews to make sure that we are pinpointing when we need to start reducing that risk. I'm sure you both probably are well aware of what's been happening in the market this year. There has been a lot of ups and downs, and that has made some people very, very nervous and reduced a lot of risk for a lot of my clients this year, especially in the older stage even before that six year mark sort of hits because people are a little bit nervous about how things are going. So that's completely fine and okay. And if there's ever anything that's concerning either of you, just let me know. This year, I've been leaving lots of that to my calendar for off the cuff phone calls. So if you guys call us at any point, you guys need to talk to Dana. I have some concerns about my super or the market. Come I'll always try to take the call. If for any reason I am on the phone, they will book you in. But the girls all know to come and ask me if I'm available first. So, I try to make sure I'm available whenever you guys need. Okay? Excellent. If you can scroll down to page number 19 for me, I'll just start running through these recommendations with your super and the changes that I'd like to make for perfect. Sorry. If I start to lose my voice, I do apologize. So this one here is for yourself, Colin. So at the moment within your portfolio, I had a look at your super. I am recommending you both stay within hub twenty four. I did look at hub twenty four as well as the other super funds out there to make sure that everything was working, that you were in a good place. Hub twenty four is still a very appropriate super fund for you. With your portfolio, I had noticed that one of your investments has been underperforming a little bit, so I wanted to make some changes to your portfolio to make sure things are always working harder, especially at this point in your life. So I will be selling off the bank hybrid. While these are more of a defensive investment, they are actually being phased out by the government in around about 2028. So we are best to try remove them out of your portfolio now whilst we are looking to make changes rather than holding off and doing it down track when we have no option but to do it quickly. So selling off the bank hybrids for you and removing that one. Global agriculture has been a great place to be invested over the past. However, I have found some other opportunities and wanna start removing that out of your portfolio. Has been a bit volatile this year. So we're gonna sell all the global agriculture off. Physical gold, we'll keep that in there, but we you've had some really great growth. The physical gold is essentially at a thirty year high. We have seen some ups and downs this year. In February, we saw a massive 18% drop in one day, and then in the recent weeks, it has had a little bit of a pullback. But, essentially, overall, your physical gold exposure is up, So we just wanna cement some of the gains you've received and spread those across your portfolio a bit more and bring back the level of physical gold so that you're not overexposed to any one particular area. Okay? Cybersecurity has been a bit up and down with everything that's been going off between The US and Iran this year. Cybersecurity has had a bit of a sell, especially the tech side of things. Europe got about 7% at the moment. We only wanna hold about 5% there, so we're gonna sell some of that off and cement some of the gains and move that into some other areas for you as well. The S and P 500, we've got 500 companies within The US there. You've got a bit over 30% there at the moment. We wanna keep about 30%. We will be buying a bit more of that because when you look at your exposure now to what the portfolio needs to look like once we've done the changes, we'll just need to purchase a bit over 6,000 of that. There has been a lot of concern about The US with what's been going on, but, realistically, US markets are still performing very, very well. They've had a lot of volatility, but we still get good returns. Yeah. Sorry. Yep. Absolutely. Yeah. And the thing I like about the this this like, the S and P 500 or the iShares S and P 500 is that it tracks the 500 top the sorry. The top 500 companies in The US. And at any one time, it can have anywhere between five hundred and five hundred and twenty companies and essentially attract the S and P 500 index. So for a company to be in that index, they actually have to meet a certain criteria. The makers of the index or the investment committee for the indices, they actually meet every quarter, and they determine what companies are eligible to be in there and which contract to be moved. So when companies are removed out, other companies are replaced. So you are always tracking the top 500 companies in The US, which is which is a benefit to you. Yeah. Yeah. Excellent. We've got the beta shares Raffy a 200 in there tracking 200 of the top companies on the Australian market. That has been a great investment, but it is quite an expensive investment to hold. So we are looking to remove that out of the portfolio just to make sure that we can limit costs for you. One of the big things I wanted to look at was investment costs. If I can reduce fees in your portfolio, that means that more money stays invested to you guys compounding towards your retirement. So I'm gonna remove that one out of there. The Bennelong Australian Equities, this investment has started underperforming pretty heavily, so I have made a decision to remove that from the investment. So Bennelong was originally put in everyone's portfolio because it's investment. So, essentially, the investment committee within Bennelong are trying to buy and sell and outperform against the market, but they haven't been able to do so. In a sense, they have been a bit up and down since 2020. So now I sorta had a really good look at things this year. They've underperformed very heavily. They've had a few issues, which meant that Benelongs had to be revalued, and the value that they act that the market actually saw them at was heavily lower than where they were this time last year. So I've made a decision to remove that out of your portfolio. We did have the option of holding it and waiting for it to come back, but with the issues that Benelon have had within their portfolio and the fact that they haven't made any changes in the investment there just sort of shows that I don't think they're gonna come back. I've had a look at everything. I think they're gonna stay low for too long, and I don't think you have the time to wait for that to come back and and provide gains again. So it's best to remove that now. We'll cement the losses, and we'll put something else in its place and get that portfolio working a bit harder for you. Okay? Excellent. We've got the ClearBridge infrastructure fund. This is more as an alternative sort of investment. It's good for income producing, but it is focused on an infrastructure. We are gonna remove that from the portfolio as well. It's more of a themed investment. The idea is to try and get additional growth with having that in there. I've decided to remove that out and find a cheaper investment for you, still keeping exposure, but also making sure we're looking at diversification to lower overall risk of your portfolio. So ClearBridge has done very well in the past, and we just decided it's worth removing now and cementing those gains and putting them into other areas as to where we see changes in the market moving forward for you. So once we kind of sell all those investments and buy a bit more of the S and P 500, you'll essentially see your portfolio with 10 physical gold, 5% in cybersecurity, 30% in the S and P 500, and then we're also gonna purchase 8% into Europe. So it's giving you exposure into the top into all 16 European countries. We'll hold 8% there. 5% in Japan to give you some Japanese exposure. The all world ex US, so 8% of this investment, this is spreading diversification across the entire globe minus The US market, and that's because we have the S and P 500 above there. So one of the best ways to mitigate risk is to diversify, not just across one or two or three different countries, but across the entire globe. That means you're essentially buying into not only well established markets, but also some up and coming markets as well to give you greater diversification and overall risk mitigation. Okay? Because we're removing the Raffy and the Benelong Australian equities, we still wanna hold Australian exposure, so we're buying into the beta shares a 200. This one here gives you exposure to the top 200 companies on Australian market. It's more of a passively managed investment, so it's lower costing, lower risk, and gives you greater diversification into the Australian market, which is really beneficial, and we wanna hold 20% there total of that investment for you. Okay? And because we're looking at the your growth portfolio, we still wanna hold some defensive low risk investments, and we are removing those bank hybrids. We're going to put 14% into core composite funds. So this is giving you access to government and corporate bonds. Bonds are really good for income producing. Essentially, you're putting money into the bond, which is used for debt. So companies and the government use these to a lend out money or to, you know, company use it for in building their own kind of in within the company, so growing the company, essentially, and you get income payments. So you'll see for the bonds like term deposits. Essentially, you're putting money into a term deposit within the bank. The bank is using that money to lend out to its lenders for home loans and personal loans. And because that money is then being lent on, they're giving you an interest rate on a regular basis, whether it be monthly, quarterly, or at the end of the year. Bonds are exactly the same sort of thing. You're putting money or giving money to the company and or the government. They're utilizing that on to either build the company or to lend out. And because that money is being used and making them money, you're essentially receiving an income payment for doing so. And they called these attend these are paid on a monthly basis into your cash account, And all the bonds are in there. They're all, like, triple a bonds. They're government corporate funds. They also have some notes and things in there as well. So it's a really great defensive investment. It's good for income producing there for you. I'm sorry. They do get a bit complex, so I try to keep it as simple as possible. But if you do if you do have more questions, I can go a lot more deeper for you. It's just not everyone's that interested. Excellent. Excellent. All good. So that's essentially where you'll see your portfolio alterations at the moment. We have noticed that this year, there does need to be some changes to the portfolio, and it's really good to have these changes every now and then. Essentially, investments that are put in your portfolio one, two, three, or even five years ago do need to be updated every so often. Sorry. Because markets change, trends change, and some investments do better than others as well. So it's always good to keep things working as hard as possible and updating your portfolio when we need to. Okay? Excellent. On the next page there, Colin, you'll see that you've got a cash account. So at the moment within Hub twenty four, your cash account is around about 3.4%. We only really wanna hold a minimum cash in our cash account because you actually don't make anything from a cash account. It tends to cost you money. So you have about 13,000 there at the moment. We wanna invest about 8,388 and 81¢ just to bring it down to the minimum 1.25 requirement there. Okay? Excellent. Yeah. Beautiful. If you scroll down to page number 22, this shows you the reasoning that we're making those changes for you. Perfect. Sorry. So the the the fee comparison table then shows your current portfolio within hub twenty four, your current balance there, your administration fees, investment fees, your ongoing service fee for having us look looking after everything for you, your contributions going in, and your insurance premiums currently. You've also got that you're currently in the growth portfolio. The current growth portfolio is averaged about 9.78%, which is by no means bad in any way, shape, or form, but we want things to be working as hard as possible. So by making the changes, that newer portfolio has averaged 11.57%. So it can, if it gets this kind of return moving forward, put you in a much greater position moving forward because it's achieved a better past performance over the past five years. The other thing we do have to take into account is, as part of the research, is capital gains consequences. So just like you guys, your super fund does a tax return every single year. They do pay income tax, and they pay capital gains tax on investment switches and buying and selling as well. The the expected CGP for the changes is $2,092, so your super fund would account for that after it completes the switch. The benefits to doing this is that it does reduce your admin fees just slightly. So it does save about $310 of administration fees by making these changes. And then it also the biggest seller is that it actually saves you $1,200 on investment fees. So this newer portfolio performs better, but it's also a much cheaper portfolio for you. Yeah. Not bad. Excellent. If you scroll to the next page, you'll see the projection table there. So we know projection tables, and I like to be honest, they are just a projection table based on all the factors that you see in the top table there. If the portfolio is able to achieve that 11% on a yearly basis over the next five to six years, this is essentially where you could see your super ending up. Okay? Perfect. Do you have any questions so far? You're welcome to ask me anything you like thus far. Yep. Beautiful. If you go to page number 24, Deborah, I've got yours for you now to make it easier. Beautiful. I'll go a bit easier through the investments because we've kinda gone through and explained a lot of them. You did have a lot of the same. Yeah. Yeah. Yeah. So, essentially, again, just selling off the bank hybrid there and the global agriculture, you had about 14.93% physical goals. So just bringing you back to 10%, cementing some of those gains. With the cybersecurity, about 7% there at the moment, so just selling that back to five percent total for you. And you've got a little bit low on the S and P 500, so we wanna increase that to 30% from '28. So a bit over 9,000 of the purchase into there for you. We're also removing the Raffi and the Benelong Estate in Equities investment, and then also the ClearBridge infrastructure. Again, we'll just sell all of that down for you. And then we'll invest you the same way. So 8% in the European exposure, 5% in Japan, 8% with the all world index, and then the sorry. 20% into the Australian 214% of the core composite bonds as well for you. So you guys will have a very much the same sort of portfolio, which is fantastic. Your cash at the moment is about the same. So you've got about 3.40%, which is about $13,000 there. So, again, about 8,000 is just gonna be invested to bring you back to the minimum cash account there. Okay. Absolutely. Yeah. Definitely. Yeah. I don't yeah. It it really should. I don't know exactly why it has happened. I've been trying to find out with house twenty four. No. No. I I yeah. No. Look. I honestly do agree with you because, realistically, House 24 are supposed to be doing and running cash every sort of month. Around the twentieth of every month, they run the cash account, and they invest the funds. So there's only gonna be sort of two reasons as to why because they're still being running the cash account on a regular basis. The thing I think is what happened here is that because it's the end of the financial year, they've held a higher amount of cash to make sure they can cover the end of financial year tax things for the fund itself. And then because we're a little bit out from the twenty twentieth now, they haven't quite run that again. So they actually had a bit of a between the June 21 to about the tenth of this month, they actually had a bit of a freeze because they had to report to the ATO and do end of financial year tax run. And then on the July 1, between the first and July 10, they had to report back to the ATO with balances to everyone as of the June 30. So I think that's just kinda pushed it back a little bit for now because I did have a look at this, and it seems to be something I'm finding quite a lot of. And I went back and had a really good look at the fund, and I was like, they're still running the cash every month. I think it's end of financial year process, and it kinda held it back a little bit this time around. So we'll just make sure that that is automatically invested for you, and we'll just make sure that they are consistently not increasing the cash that high for you. Because it is a lot of cash to hold. You wanna make sure that money is building you growth. You don't want it sitting in cash. So yeah. No. Absolutely. Deborah, if you can go to page number 27 for me, I've got your fee comparison table here as well. Beautiful. So your balance is a little bit higher at $427,000 mark. Your administration fee is currently at 1,400, and investment fees is 2,139. The adviser fee and your contributions going in, and then we've also got your insurance premium there as well. The growth portfolio was the same, so it has been averaging 9.78% there, and the newer portfolios averaged 11.57%. So that can put you in a much greater position if it's able to achieve this. And I'm really honest where I know that markets do go up and down. So some years will get, you know, a 15 or 20% return. Other years, we might only get a three or four percent return. This year is definitely a year where we have had much lower rates of return, but what we wanna do is take advantage of those downtime. So the years when we only get a two or 3% return or a negative return, because that definitely does happen every so often, keeping your contributions going in. It's a downtime. I'm gonna be truly honest. I get excited in a negative return. I just go, woah. We are down. Contributions are buying into those discounted investments. And when the market comes out of that downtime, we actually get greater growth from that, and it helps that compounding effect. So as long as that downtime isn't the year before you retire or at the time you retire, we can try to take advantage of that. And I wanna make sure that we're reducing risk so I don't so you guys don't run into that, you know, problem the year before you retire or the year that you retire. Because that's when it can kind of make you really nervous. Okay. Yep. Perfect. With the recommended, it does mean for the tax liability for your fund there, Deborah, we do expect the CGT to be $2,303. It reduces your administration fees by about $274 for the year, and it saves you $1,346 in investment fees, which fantastic. That's more money, and you're super working harder for you. The balance does go down a little bit, so your adviser fee does get a little bit of a discount there. I've also, in the back end, looked to link everything together. So because you are both in Hub 24, and this is why I really enjoy doing this live together for you, I have to get clarification. What I would like to do is also link and the reason we're getting the discount on the admin fee is I'd like to link you both in the back end. That way, you get a family fee linking on your super funds, which reduces your administration fees and gives you these extra discounts. Are you both okay with that? Yep. Beautiful. The other side of that is when you log in to Hub 24, once we link everything together, you'll actually both see both of your super accounts sitting there on the same the same account. Is that gonna be okay? Do you both agree to that? Yes. Beautiful. The other thing I wanted to ask is I do offer all of my clients that are couples the opportunity to have what's called an external third party authority on file. So at the moment, even though you guys are together and everything will be linked up, I can only speak to each of you about your individual spaces. So, Colin, you can't call back Deborah's and vice versa. If I was to get you guys to sign an external third party authority, it does mean that, say, Colin, if you're in hospital or if Deborah's in hospital or someone can't get to the phone, you have questions, either of you can call us, and we can answer questions for you on each other's super accounts and with regard to each other's information. You can't transact or change anything, but it does give you, like, an option to inquire about what's happening. And it means that if someone's in hospital or something's happened, the other person can call us and give us that information, and we can liaise with them as well. Would you guys like me to organize that for you as well? Yeah. Yep. You're okay with that, Deborah? Yep. Beautiful. I just wanna get clarification because not everyone wants it. I do have plenty of couples that prefer to keep everything really separate, but it's just an option that you do have as well. So I can absolutely get those organized. My team will send them through over the next few days and just get you to sign them electronically for us to keep on file for you. Okay? Excellent. At the bottom of that page, you do have your projected table there. So, Deborah, so long as your portfolio is able to repay me 11% on a yearly basis over the next five to seven years, you can essentially see where you're expected to be projected, give or take market conditions there as well. So it does put you in a much greater position and does save you on fees, which is fantastic. Okay. Excellent. Do you have any questions or any of that at all? No? Beautiful. Page number 29 is sort of where I look at the projected outcome for you. So, essentially, with this, we are looking at about 73,000 on a yearly basis. This sort of shows that between both of your supers and this is from this age of 60. I know you don't really wanna retire till a little bit later, but it does essentially show that we could draw out around about a 105,000 on a yearly basis and still have your super lasting till about age 89. So starting this at age 65 or 67 does give you further longevity. I'd like to build on this for you to make sure that it's always working harder, but this kinda shows that if you decide at 60 you've had enough of working, you wanna retire earlier, it can happen. It's projected that it can work for you. We just draw a little bit more out of super at the start, and then we look at age pension. Every time I do an advice document, I can always be updating these for you and showing you what the projected outcome is. Essentially, what I would like to do when we kind of get to 60, depending on whether you guys choose to keep working or not, there's other strategies that we can put in place. I'm not sure if I spoke to you last time about the transition to retirement strategies, and these aren't quite available until you turn 60. So 60 is a prime age. I'll tell you what. This sort of strategy allows you to increase your contributions into super up to the cap every year. And then because you're at 60, we're able to draw a little bit out of super. Essentially, to give you an idea, we might increase your contribution. To maximize the cap, we might need to put in $12,000 on a yearly basis. So we sell back more into your super fund. But then because that is taken out of your pay pretax, we only need realistically need to draw out, say, give or take, about 6,000 on a on a, say, a a yearly basis to supplement your income. And the amount you draw out of super is fully tax free. So this increases contributions in. You draw a little bit out. It helps to reduce your income tax and boost your super. So when you get to that point, I'll probably talk to you probably a year out just to say, hey. Are we looking at this? Do we wanna do it? We'll draw up the advice document based on your circumstances, show you how that looks like. And there's other really cool strategies that we can put into place to kind of boost super between 60 to sixty five and sixty seven to kinda give you that last little boost before you start drawing out. Okay? Beautiful. But this sort of shows you where we're sort of tracking based on circumstances, and it shows that you could realistically you only, at the moment, want about 73,000 for the year. That could definitely change, but this sort of shows you that, you know, we could realistically draw about a 105,000 out on a yearly basis and still have super working and supplement that would centrally based on your current circumstances there as well. Okay? Fantastic. Do you have any questions so far? Please let me know if you do. Excellent. Beautiful. So, Colin, we are just going to the next page, Alan. We're just gonna retain all of your insurance policies. With the ClearView policy, we don't really have visibility on that. So what we'd like to do is see if we can add a change of adviser form so we can sort of see on the portal. I don't know if they will do it or not, but it's worth giving it a crack. But we just wanna sort of make sure that we have visibility of that policy to help you along and make changes as you need to. Okay? Excellent. If you can scroll further down for me, sorry, to page number 34. Yeah. Yeah. Mhmm. Are you still okay with the premium you're covering for that? Do you need to sort of that's okay? Yes. Yes. Beautiful. Yeah. Absolutely. Absolutely. I pay for all my insurances outside of super too, and the premiums got pretty high. But it's just peace of mind of knowing your family's looked after in the event something happens. So yeah. It's a difficult thing. This industry is one where we see a lot of that, and I talk every day about life insurance and passing away and estate planning and things like that. And it's it's I think of the statistics at the moment, about fifty percent of people passed away intestate without wills in place. So it's a pretty big statistic at the moment. Yeah. All good. So on page number 34 there, Deborah, we're looking at your insurance policy. So the first one there notes what you've got with retaining the insurance that you do hold within Superfast, your life, your PPD benefit, and your income protection policy. Your goal was essentially to try and pay the 6 to 700,000 off the mortgage in the event of your passing. We've essentially worked it out to try to make it the most the easiest essentially, the easiest figure possible. So we've subtracted your current life insurance and also your super benefit from that. And it essentially means that based on everything, we just need to apply for 675,000 of life cover, and we've chosen I always say this wrong, but Fortura. So Fortura is an insurance company. They're actually owned by Noble Oak, and you could Google them. Noble Oak have been around since 1877. They're not a well known insurer, but they are really, really easy to deal with. And they have offered the life cover. Because of your BMI, they would add a 75% loading onto the policy, but it means the yearly premium would be $980.55. This is paid for out of super for you, so it does mean that the insurance premiums do increase in super, but the fee comparison table at the top has also factored that in for you. And that essentially means that in the event of passing, you get this for the Fortuna policy paid out as well as the amount in hub twenty '4 and then your super balance paid on top of that. So we wanted to make sure that you guys are as covered as possible. It actually ends up giving you more than what your goal was with the 700,000, which is a benefit. And that way, in the event of something happens, Colin can pay out as much of the mortgage as absolutely possible and then take a bit of time to have a bit of a breather and grieve and work out what he wants to do moving forward. Okay? Beautiful. The the life policy is covered up to age 65. Most insurance policies, like life policies, all kind of go longer. At the age of 65, they convert to out of pocket policies. Normally, with insurance policies, by the time you retire at age 60 or 65, we normally don't need these sorts of policies anymore. The idea is we cancel them, and we have our insurances, sorry, our super to fall back on, and we should have enough in super and hopefully be fully debt free to not need insurances anymore. But income protection and PPD tend to cancel out at age 65. At 60 five, the life policy, they convert to an out of super policy. So we stop paying inside super, and they allow us to continue holding the policy in our own name if we want to continue their board. Okay? With all the insurance you know what? Sorry. Yeah. Yeah. Yeah. Yeah. The the way we sort of look at it is when we're younger, we have higher mortgage. We've got a lower super balance, so we need more insurances. But as we get closer to accessing super, we wanna have a higher super balance, hopefully, a lower debt level, and hopefully not need the insurances in those time it is. And that works out really well because insurances do get more expensive. All these premiums are set, and that essentially means that the older you get, the more you risk actually making a claim, the more the insurance has become more expensive. And that's why we wanna when we do reviews, we review the level of cover you have, but also how much you're paying for those. Because one of the biggest things is that insurances actually affect how much we have in through for the end of at our retirement. So we wanna make sure that we're not eating that away. Absolutely. Yeah. I have seen some people with insurance policies at the age of 60, and they're paying about 20 or $30,000 for them. So these insurance policies can get very expensive. So I wanna make sure you guys have a fantastic retirement and don't end up eating it all away. Okay? Absolutely. Absolutely. The last sort of part of the recommendations is down on page number 40 for you. So it's just in relation to the new future life insurance policy there. So just making sure we do have a beneficiary nomination applied to that one. Just making sure in the event of passing that the policy is paid out to yourself, Colin. So we'll add it as a binding nonlapsing nomination and note all of your information on there. We'll send it out to you. You guys can sign it, have it witnessed, and send back to us so we can have that applied for you. Okay? Excellent. To get the application in place, Deborah, just to let you know, we will need to go through a insurance application with you. Once you guys are happy with the advice, you've had a bit of a read through it and mull it over because I know I go through a lot. So take some time, have a cup of tea, and ring it over if you like. If you have any questions, come back and let me know, and my colleague, Jack, will walk in to go through the application with you for the life policy. He is really good and sweet and does a fantastic job. And if you decide you prefer someone else, I can always get one of the girls to do it. I just like to make sure that everyone's comfortable going through those questionnaires. All good? Beautiful. Excellent. I've also made a recommendation in there to make sure that you do do up a will and power of attorney. The beneficiaries do sort of look after all of your inside data and life insurance policies, but I do also like to add this into the estate planning side of things to make sure that having a will and a power of attorney done up to protect everything else you guys have worked hard for outside of super, that's your house and your savings and your cars and everything else, and having a power of attorney done up as well to make sure that in the event that you can't make decisions for yourself, that you've appointed somebody else that can make financial and or personal and medical decisions for you. So, normally, power of attorney is set up for each of you, but then in the event that something happens to both of you, who else do you want to act on your behalf? And taking the services of a solicitor is really important to have those done up as well. Okay? Excellent. And then on page number 49, I have a sensitive remuneration side of things. So with the advice, this is all being provided complimentary as part of your ongoing service agreement. You do pay out the ongoing service fee. It's 1.10% because you both are clients. That's per year, and then our fee is deducted in smaller monthly increments. That's all noted in here and has been accounted for as part of the advice. With the Fortura policy, once we set that up, we do receive remuneration from insurance companies, and that by no means has any reflection on how or why I've made this recommendation. Essentially, this is in your best interest. And as you guys read it through, you'll see the best interest, Judy. So I relate that back to your goals and how and why I'm making the recommendations. But we do receive 66% of the first year's premium and 22% they're ongoing. And it's clear if you do allow us to add that change of adviser form and 22% they're ongoing as well from them. So it's by no means the reason for our recommendation, but we like to disclose everything that we do receive just so you are fully aware. But I work under the corporations act and under the best interest duty as part of section nine two one b of the corporations act. So everything I do has to be in your best interest, and under best interest duty, if your needs come into that conflict of the business of my bosses, I have to put you first. So I'm I'm very passionate about that, and I wanna make sure you guys are looked after a 110%. Okay? Fantastic. That is a lot, and I fully understand. So either of you have any questions at the moment? No? Excellent. Excellent. All good. Feel free to take some time to read it through. Attached to the the the Odo sign there as well, I do also have your ongoing service agreement for the next twelve months. They just need to be updated as well. So you're happy to stay on board and have us implement everything for you. I am making sure that we do catch up moving forward. Last year was a little bit difficult with everything, but I'm myself and my colleague, Samantha, who you probably spoke to the other day, are making sure everyone does get their catch ups in there. And I know you guys prefer you later in the evening because you've worked so hard. Did you want me to do catch ups with you every three or six months? Moving forward, what would you like to see? Six months? Yep. Yep. Perfect. Easy. What I can do is I can do a catch up for you. It'll probably be December because we're July, so I'll do one just before the end of the year for you before we all go away on Christmas break. And then at that point, if you decide you wanna alter them to, you know, three months or the twelve months, you can let me know what you'd like to do. We can always alter and change the schedule. Just wanna make sure we do catch up with you guys, especially as you are, you know, getting closer to retirement. Just making sure that we're keeping up to date with what's happening, any changes in your life, updating advice, and especially the risk profile moving forward for you. Okay? Excellent. And if you really enjoy reading, attached to the Odoo sign up, also got the product disclosure statements for Hub twenty four and for Fortura. We've got the Okey financial services guide for you as well and the appendices that outlines any additional research that I was able to do for you. So depending on how much reading you enjoy doing, that's all for you, but please take some time to read through the advice document. Let me know if you do happen to have any questions, and if you are happy just take on the recommendations. I'll get you to sign and return those back there for me. Okay? Beautiful. I really appreciate your time this evening. Thank you so much for taking my call. You've had a long day at work, so you're probably both exhausted and ready to have a sit down. Yep. Yep. Yep. So with that one there, that is just in case you don't wish to take on any part of the recommendations, you're allowed to pop that in there. If it's asking you to do anything with that, you can just put NA if you're happy to take on all the recommendations. Yep. Beautiful. Yeah. We put that text box in there now just in case there's any sections that someone doesn't wanna take or implement. It just allows you to make a little comment there. That's all. Okay. Easy. Beautiful. Is it just click is there yep. And press that button. Oh. Yep. So sorry. About that, it should it should have a little signature button there for you. Oh goodness. Yes. Probably. Beautiful. Thank you so much for that. I will let you both go. If you have any trouble, let me know. And, yeah, look, have a really good night. I hope you both get to put your feet up, enjoy some dinner, and relax. All good. Thanks. Thank you for your time. Have a great night. See you later. 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Deborah. It's Dana from Okies Financial. How are you this evening? I'm very well. Thank you.\n\nI had yourself and Colin both booked in to go through your updated advice page. Isn't now still a good time there for you both? Oh, fantastic. Hi. I'm good.\n\nThanks, Colin. How's your day? Oh, fantastic. What I'm gonna do is I'm gonna send you an email to you with the advice document attached. Now you both do get a copy, but you're welcome just to open it up so you can both look at the same one if it's easier for you.\n\nI've just pressed send on that one. Beautiful. Hopefully, it comes through fairly quickly. Love technology when it wants to work in our favor. Fantastic.\n\nYeah. You're right. Not a problem at all. Just while that is coming through, I just need to let you both know we do record our calls for quality and training purposes. Are you both happy for that to proceed?\n\nFantastic. And just to do a really quick security check there for you, I just need to confirm both your date of birth and just your residential address from one of you is fine. Legend. Thank you so much for that. Beautiful.\n\nNow you're right. Yeah. No. That's fine. That's fine.\n\nThanks, Deborah. You're all good. All good. Lovely. So on the front of that one there, it will just have the statement of it as I'm sorry for both of yourselves.\n\nOn the bottom of the document, it does have my authorized representative number. I'm a registered licensed financial adviser with ASIC, and my number registered is 1304394. To make this easier, so so as I'm not making it overcomplicated for you both, I'll go through the sections that I need to. So I'll direct you to a couple of the pages that we need to touch on, and then I'll let you both go back and have a really good read of the document. All of our the pages where the advice is noted, it does outline any advantages, disadvantages, risks involved, and I also have a best interest duty statement which outlines what the advice is in your best interest and how it relates back to your goals for you both.\n\nOkay? Excellent. Now I do apologize for the delay. We had the advice ready to go a few months back, but we have just sort of noted there's been some changes with market conditions, and I wanted to make some updates to your portfolio as well. And, Deborah, one of the things we talked about late last year was trying to get you a bit more life insurance as well.\n\nAnd very recently, an insurer has come out with an option for you. So it meant that I needed to just go back to the drawing board. I have some options for you to have a look at with regards to what I've recommended, and you guys can go back and decide what you're happy to take on board. Okay? Fantastic.\n\nI kinda thought let's do all this at once. Otherwise, I presented the advice to you, and then we had to go back and do a few more changes afterwards. So kind of putting it all into one advice document makes it a little bit easier for the both of you as well. Okay. Excellent.\n\nNow if I can get you to scroll down to page number two and three for me. Two is just the table of contents, but page number three and four and five outline the areas that we are and are not looking at advice at the moment. So we do have superannuation scoped in. When I spoke to you both last, you were both looking at retiring around about age 65 to 67. We had sort of talked about an annual income of around about 73,000, just sort of tracking forward that, I'm looking at Centrelink if eligible at 67 as well.\n\nIs that sort of goal still appropriate to you? Do you feel like any of that's changed? Beautiful. Beautiful. Yep.\n\nIf you press on the button that says sign, it'll take you through so you can see the actual document. Sorry. My apologies if I missed that. Sorry about that, Barb. Yeah.\n\nAll good. Yep. Beautiful. Sorry. I'm directing you to your pages.\n\nYou can't even see. Sorry about that. All good. Now one of the things I do like to point out is when I am looking at the retirement aspect, you guys are getting closer to it. So we are looking at a that approximate income as part of your goal, but we know that can definitely change.\n\nSo what happens is when we actually get to the the retirement years, we will have another conversation. When you tell me you're ready to retire, we'll look at in-depth what you actually need to live on and what your income expectation is. You need to draw out of super, and then we'll go back to the drawing board. I'll then provide additional advice on how we draw that income down from both these supers, how we supplement that with Centrelink, and we'll look at the nitty gritty on the drawdown. Okay?\n\nBeautiful. We've also scoped in essentially the insurance side of things. So, Colin, we're not making any changes to your insurance because you are pretty happy with the cover you have at the moment. You've got the TV policy outside of super and also just your in inside super policy. But, Deborah, you just wanted to have a little bit more.\n\nSo your cover is only the hub 24 cover at the moment. You've got your life, CT, and income protection. We're not able to increase or obtain any new disability cover, so TPD or IP. Essentially, when we did your your pre assessment, it's just because the BMI is a little bit high. So when we have a BMI of over 40, we're putting much pressure on our heart, and the insurers take that as too much risk.\n\nYou're really actually very healthy, and I'm confident that you're really you know, not gonna nothing's gonna happen, but it does, unfortunately, create a higher risk for the insurance companies. So when I was talking to the BDMs recently, I was making some changes to your portfolio. I sort of had a bit of a blind pre assessment, and they actually came out and said, hey. We are happy to look at things for you. So they are offering a bit of life cover, which basically means that in the event of you passing, Colin, you do are able to access a little bit more money to help pay down the mortgage, which would leave you with a little bit less stress in that event.\n\nOkay? So I'll go through that with you shortly. Because I am looking at, Deborah, you're getting a little bit more life cover, I've also scoped in the estate planning side of things just minimally just to make sure that your beneficiaries on your life cover are up to date and correct. Essentially, you both just wanted your beneficiaries to be paid to each other. Everything is already set up that way.\n\nIt's just that we're making a new recommendation on life cover. We wanna make sure those beneficiaries are applied to that policy as well for you. Okay? I've limited scope in retirement. So, essentially, because you are getting closer to it, the way I've limited scope this year is that I've taken your projected outcome at the age of 65 and 67.\n\nSo I project things like that in the back end for you, and then I look at essentially what we're looking at, how that drawdown might look with a little bit of a table for you. That drawdown can change, and it's just giving you an idea of where we're tracking for at the moment, but it gives us an idea of down the track. Do we need to implement other strategies or look at other options for strategies or increase contributions down the track? So I'll show you essentially where we're up to with that tracking, and then we can talk about other things that we can also do down the track to help you guys along. Okay?\n\nAreas that we've scoped out at the moment is essentially cash flow, savings, and debt. You guys are paying down your mortgage. You do hope to have that paid down, hopefully, by retirement. If you don't, we will help to make sure that, you know, you've got enough money coming out to supplement that. If you did need any additional advice in those areas down the track, let me know.\n\nWe'll just go to that house for now. Okay. Excellent. Yeah. Okay.\n\nBeautiful. Yeah. Yep. That's perfect. Yeah.\n\nAbsolutely. And when you get to that point, have a chat with me. We'll talk about what you've got, what, you know, you've got leftover, what your plans are, and we'll factor all of that in for you. Absolutely. Excellent.\n\nYou are still very young. You've got a lot of time ahead of you still. Don't worry. Absolutely. Absolute and, look, I tell everyone, if I win, all of my clients will get a piece of pie.\n\nDon't you worry. Haven't yet won. That is it. That is it. My husband reckons he's taking the numbers and just waiting his time like, yeah.\n\nWe've been doing this for five years now. It's not happening anytime soon. Absolutely. What else, sir? If you can just run to page number eight there for me.\n\nI've got your assets and liabilities noted down as per our last conversation. I know with, like, your primary residence and car loans and credit cards and things, there can be some changes there. Is there anything that you would like me to have altered or changed in the back end, changes to liabilities or assets? Yep. Beautiful.\n\nFantastic. Excellent. Yep. Fantastic. And we've got your super balances noted there as well.\n\nSo, Colin and Deborah, you currently got $386,009.57 in super for yourself, Colin. And, Deborah, you've got $427,005.54. So everything is looking very up. And, honestly, just so you guys both know, your balances are above the annual average for most people of your age and state. So your balances are very, very well.\n\nDeb, yours is actually a lot higher than the average person your own age for a female, so you can be really proud of that. We might have ways in the future. What I'd love to sort of see is as we get closer to it to be able to even it out so your balances are even as possible. That way we can draw a little bit out of both of them, keep them sort of on par, and then supplement with ink with Centrelink there as well. So that's what I would like to be able to help you guys to do.\n\nOkay. Excellent. The next couple of pages outline your current insurance policies. Colin, yours are all good. You were happy with all the policies that you do have there.\n\nPage number nine, Deborah, is yours. You've got your life and CBD within the hub twenty four super there, and then you've got your income protection policy as well. Okay? You are both technically growth investors, so there's no change to your risk profile at the moment. And the growth portfolio tends to suit someone who has around about six years towards accessing their super.\n\nSo you are definitely on par there. I will be move moving forward, and we don't have to do the risk profile every year, essentially. We do like to, but moving forward, we will talk a lot more about the risk level and where you are invested and how you're invested in your annual reviews to make sure that we are pinpointing when we need to start reducing that risk. I'm sure you both probably are well aware of what's been happening in the market this year. There has been a lot of ups and downs, and that has made some people very, very nervous and reduced a lot of risk for a lot of my clients this year, especially in the older stage even before that six year mark sort of hits because people are a little bit nervous about how things are going.\n\nSo that's completely fine and okay. And if there's ever anything that's concerning either of you, just let me know. This year, I've been leaving lots of that to my calendar for off the cuff phone calls. So if you guys call us at any point, you guys need to talk to Dana. I have some concerns about my super or the market.\n\nCome I'll always try to take the call. If for any reason I am on the phone, they will book you in. But the girls all know to come and ask me if I'm available first. So, I try to make sure I'm available whenever you guys need. Okay?\n\nExcellent. If you can scroll down to page number 19 for me, I'll just start running through these recommendations with your super and the changes that I'd like to make for perfect. Sorry. If I start to lose my voice, I do apologize. So this one here is for yourself, Colin.\n\nSo at the moment within your portfolio, I had a look at your super. I am recommending you both stay within hub twenty four. I did look at hub twenty four as well as the other super funds out there to make sure that everything was working, that you were in a good place. Hub twenty four is still a very appropriate super fund for you. With your portfolio, I had noticed that one of your investments has been underperforming a little bit, so I wanted to make some changes to your portfolio to make sure things are always working harder, especially at this point in your life.\n\nSo I will be selling off the bank hybrid. While these are more of a defensive investment, they are actually being phased out by the government in around about 2028. So we are best to try remove them out of your portfolio now whilst we are looking to make changes rather than holding off and doing it down track when we have no option but to do it quickly. So selling off the bank hybrids for you and removing that one. Global agriculture has been a great place to be invested over the past.\n\nHowever, I have found some other opportunities and wanna start removing that out of your portfolio. Has been a bit volatile this year. So we're gonna sell all the global agriculture off. Physical gold, we'll keep that in there, but we you've had some really great growth. The physical gold is essentially at a thirty year high.\n\nWe have seen some ups and downs this year. In February, we saw a massive 18% drop in one day, and then in the recent weeks, it has had a little bit of a pullback. But, essentially, overall, your physical gold exposure is up, So we just wanna cement some of the gains you've received and spread those across your portfolio a bit more and bring back the level of physical gold so that you're not overexposed to any one particular area. Okay? Cybersecurity has been a bit up and down with everything that's been going off between The US and Iran this year.\n\nCybersecurity has had a bit of a sell, especially the tech side of things. Europe got about 7% at the moment. We only wanna hold about 5% there, so we're gonna sell some of that off and cement some of the gains and move that into some other areas for you as well. The S and P 500, we've got 500 companies within The US there. You've got a bit over 30% there at the moment.\n\nWe wanna keep about 30%. We will be buying a bit more of that because when you look at your exposure now to what the portfolio needs to look like once we've done the changes, we'll just need to purchase a bit over 6,000 of that. There has been a lot of concern about The US with what's been going on, but, realistically, US markets are still performing very, very well. They've had a lot of volatility, but we still get good returns. Yeah.\n\nSorry. Yep. Absolutely. Yeah. And the thing I like about the this this like, the S and P 500 or the iShares S and P 500 is that it tracks the 500 top the sorry.\n\nThe top 500 companies in The US. And at any one time, it can have anywhere between five hundred and five hundred and twenty companies and essentially attract the S and P 500 index. So for a company to be in that index, they actually have to meet a certain criteria. The makers of the index or the investment committee for the indices, they actually meet every quarter, and they determine what companies are eligible to be in there and which contract to be moved. So when companies are removed out, other companies are replaced.\n\nSo you are always tracking the top 500 companies in The US, which is which is a benefit to you. Yeah. Yeah. Excellent. We've got the beta shares Raffy a 200 in there tracking 200 of the top companies on the Australian market.\n\nThat has been a great investment, but it is quite an expensive investment to hold. So we are looking to remove that out of the portfolio just to make sure that we can limit costs for you. One of the big things I wanted to look at was investment costs. If I can reduce fees in your portfolio, that means that more money stays invested to you guys compounding towards your retirement. So I'm gonna remove that one out of there.\n\nThe Bennelong Australian Equities, this investment has started underperforming pretty heavily, so I have made a decision to remove that from the investment. So Bennelong was originally put in everyone's portfolio because it's investment. So, essentially, the investment committee within Bennelong are trying to buy and sell and outperform against the market, but they haven't been able to do so. In a sense, they have been a bit up and down since 2020. So now I sorta had a really good look at things this year.\n\nThey've underperformed very heavily. They've had a few issues, which meant that Benelongs had to be revalued, and the value that they act that the market actually saw them at was heavily lower than where they were this time last year. So I've made a decision to remove that out of your portfolio. We did have the option of holding it and waiting for it to come back, but with the issues that Benelon have had within their portfolio and the fact that they haven't made any changes in the investment there just sort of shows that I don't think they're gonna come back. I've had a look at everything.\n\nI think they're gonna stay low for too long, and I don't think you have the time to wait for that to come back and and provide gains again. So it's best to remove that now. We'll cement the losses, and we'll put something else in its place and get that portfolio working a bit harder for you. Okay? Excellent.\n\nWe've got the ClearBridge infrastructure fund. This is more as an alternative sort of investment. It's good for income producing, but it is focused on an infrastructure. We are gonna remove that from the portfolio as well. It's more of a themed investment.\n\nThe idea is to try and get additional growth with having that in there. I've decided to remove that out and find a cheaper investment for you, still keeping exposure, but also making sure we're looking at diversification to lower overall risk of your portfolio. So ClearBridge has done very well in the past, and we just decided it's worth removing now and cementing those gains and putting them into other areas as to where we see changes in the market moving forward for you. So once we kind of sell all those investments and buy a bit more of the S and P 500, you'll essentially see your portfolio with 10 physical gold, 5% in cybersecurity, 30% in the S and P 500, and then we're also gonna purchase 8% into Europe. So it's giving you exposure into the top into all 16 European countries.\n\nWe'll hold 8% there. 5% in Japan to give you some Japanese exposure. The all world ex US, so 8% of this investment, this is spreading diversification across the entire globe minus The US market, and that's because we have the S and P 500 above there. So one of the best ways to mitigate risk is to diversify, not just across one or two or three different countries, but across the entire globe. That means you're essentially buying into not only well established markets, but also some up and coming markets as well to give you greater diversification and overall risk mitigation.\n\nOkay? Because we're removing the Raffy and the Benelong Australian equities, we still wanna hold Australian exposure, so we're buying into the beta shares a 200. This one here gives you exposure to the top 200 companies on Australian market. It's more of a passively managed investment, so it's lower costing, lower risk, and gives you greater diversification into the Australian market, which is really beneficial, and we wanna hold 20% there total of that investment for you. Okay?\n\nAnd because we're looking at the your growth portfolio, we still wanna hold some defensive low risk investments, and we are removing those bank hybrids. We're going to put 14% into core composite funds. So this is giving you access to government and corporate bonds. Bonds are really good for income producing. Essentially, you're putting money into the bond, which is used for debt.\n\nSo companies and the government use these to a lend out money or to, you know, company use it for in building their own kind of in within the company, so growing the company, essentially, and you get income payments. So you'll see for the bonds like term deposits. Essentially, you're putting money into a term deposit within the bank. The bank is using that money to lend out to its lenders for home loans and personal loans. And because that money is then being lent on, they're giving you an interest rate on a regular basis, whether it be monthly, quarterly, or at the end of the year.\n\nBonds are exactly the same sort of thing. You're putting money or giving money to the company and or the government. They're utilizing that on to either build the company or to lend out. And because that money is being used and making them money, you're essentially receiving an income payment for doing so. And they called these attend these are paid on a monthly basis into your cash account, And all the bonds are in there.\n\nThey're all, like, triple a bonds. They're government corporate funds. They also have some notes and things in there as well. So it's a really great defensive investment. It's good for income producing there for you.\n\nI'm sorry. They do get a bit complex, so I try to keep it as simple as possible. But if you do if you do have more questions, I can go a lot more deeper for you. It's just not everyone's that interested. Excellent.\n\nExcellent. All good. So that's essentially where you'll see your portfolio alterations at the moment. We have noticed that this year, there does need to be some changes to the portfolio, and it's really good to have these changes every now and then. Essentially, investments that are put in your portfolio one, two, three, or even five years ago do need to be updated every so often.\n\nSorry. Because markets change, trends change, and some investments do better than others as well. So it's always good to keep things working as hard as possible and updating your portfolio when we need to. Okay? Excellent.\n\nOn the next page there, Colin, you'll see that you've got a cash account. So at the moment within Hub twenty four, your cash account is around about 3.4%. We only really wanna hold a minimum cash in our cash account because you actually don't make anything from a cash account. It tends to cost you money. So you have about 13,000 there at the moment.\n\nWe wanna invest about 8,388 and 81¢ just to bring it down to the minimum 1.25 requirement there. Okay? Excellent. Yeah. Beautiful.\n\nIf you scroll down to page number 22, this shows you the reasoning that we're making those changes for you. Perfect. Sorry. So the the the fee comparison table then shows your current portfolio within hub twenty four, your current balance there, your administration fees, investment fees, your ongoing service fee for having us look looking after everything for you, your contributions going in, and your insurance premiums currently. You've also got that you're currently in the growth portfolio.\n\nThe current growth portfolio is averaged about 9.78%, which is by no means bad in any way, shape, or form, but we want things to be working as hard as possible. So by making the changes, that newer portfolio has averaged 11.57%. So it can, if it gets this kind of return moving forward, put you in a much greater position moving forward because it's achieved a better past performance over the past five years. The other thing we do have to take into account is, as part of the research, is capital gains consequences. So just like you guys, your super fund does a tax return every single year.\n\nThey do pay income tax, and they pay capital gains tax on investment switches and buying and selling as well. The the expected CGP for the changes is $2,092, so your super fund would account for that after it completes the switch. The benefits to doing this is that it does reduce your admin fees just slightly. So it does save about $310 of administration fees by making these changes. And then it also the biggest seller is that it actually saves you $1,200 on investment fees.\n\nSo this newer portfolio performs better, but it's also a much cheaper portfolio for you. Yeah. Not bad. Excellent. If you scroll to the next page, you'll see the projection table there.\n\nSo we know projection tables, and I like to be honest, they are just a projection table based on all the factors that you see in the top table there. If the portfolio is able to achieve that 11% on a yearly basis over the next five to six years, this is essentially where you could see your super ending up. Okay? Perfect. Do you have any questions so far?\n\nYou're welcome to ask me anything you like thus far. Yep. Beautiful. If you go to page number 24, Deborah, I've got yours for you now to make it easier. Beautiful.\n\nI'll go a bit easier through the investments because we've kinda gone through and explained a lot of them. You did have a lot of the same. Yeah. Yeah. Yeah.\n\nSo, essentially, again, just selling off the bank hybrid there and the global agriculture, you had about 14.93% physical goals. So just bringing you back to 10%, cementing some of those gains. With the cybersecurity, about 7% there at the moment, so just selling that back to five percent total for you. And you've got a little bit low on the S and P 500, so we wanna increase that to 30% from '28. So a bit over 9,000 of the purchase into there for you.\n\nWe're also removing the Raffi and the Benelong Estate in Equities investment, and then also the ClearBridge infrastructure. Again, we'll just sell all of that down for you. And then we'll invest you the same way. So 8% in the European exposure, 5% in Japan, 8% with the all world index, and then the sorry. 20% into the Australian 214% of the core composite bonds as well for you.\n\nSo you guys will have a very much the same sort of portfolio, which is fantastic. Your cash at the moment is about the same. So you've got about 3.40%, which is about $13,000 there. So, again, about 8,000 is just gonna be invested to bring you back to the minimum cash account there. Okay.\n\nAbsolutely. Yeah. Definitely. Yeah. I don't yeah.\n\nIt it really should. I don't know exactly why it has happened. I've been trying to find out with house twenty four. No. No.\n\nI I yeah. No. Look. I honestly do agree with you because, realistically, House 24 are supposed to be doing and running cash every sort of month. Around the twentieth of every month, they run the cash account, and they invest the funds.\n\nSo there's only gonna be sort of two reasons as to why because they're still being running the cash account on a regular basis. The thing I think is what happened here is that because it's the end of the financial year, they've held a higher amount of cash to make sure they can cover the end of financial year tax things for the fund itself. And then because we're a little bit out from the twenty twentieth now, they haven't quite run that again. So they actually had a bit of a between the June 21 to about the tenth of this month, they actually had a bit of a freeze because they had to report to the ATO and do end of financial year tax run. And then on the July 1, between the first and July 10, they had to report back to the ATO with balances to everyone as of the June 30.\n\nSo I think that's just kinda pushed it back a little bit for now because I did have a look at this, and it seems to be something I'm finding quite a lot of. And I went back and had a really good look at the fund, and I was like, they're still running the cash every month. I think it's end of financial year process, and it kinda held it back a little bit this time around. So we'll just make sure that that is automatically invested for you, and we'll just make sure that they are consistently not increasing the cash that high for you. Because it is a lot of cash to hold.\n\nYou wanna make sure that money is building you growth. You don't want it sitting in cash. So yeah. No. Absolutely.\n\nDeborah, if you can go to page number 27 for me, I've got your fee comparison table here as well. Beautiful. So your balance is a little bit higher at $427,000 mark. Your administration fee is currently at 1,400, and investment fees is 2,139. The adviser fee and your contributions going in, and then we've also got your insurance premium there as well.\n\nThe growth portfolio was the same, so it has been averaging 9.78% there, and the newer portfolios averaged 11.57%. So that can put you in a much greater position if it's able to achieve this. And I'm really honest where I know that markets do go up and down. So some years will get, you know, a 15 or 20% return. Other years, we might only get a three or four percent return.\n\nThis year is definitely a year where we have had much lower rates of return, but what we wanna do is take advantage of those downtime. So the years when we only get a two or 3% return or a negative return, because that definitely does happen every so often, keeping your contributions going in. It's a downtime. I'm gonna be truly honest. I get excited in a negative return.\n\nI just go, woah. We are down. Contributions are buying into those discounted investments. And when the market comes out of that downtime, we actually get greater growth from that, and it helps that compounding effect. So as long as that downtime isn't the year before you retire or at the time you retire, we can try to take advantage of that.\n\nAnd I wanna make sure that we're reducing risk so I don't so you guys don't run into that, you know, problem the year before you retire or the year that you retire. Because that's when it can kind of make you really nervous. Okay. Yep. Perfect.\n\nWith the recommended, it does mean for the tax liability for your fund there, Deborah, we do expect the CGT to be $2,303. It reduces your administration fees by about $274 for the year, and it saves you $1,346 in investment fees, which fantastic. That's more money, and you're super working harder for you. The balance does go down a little bit, so your adviser fee does get a little bit of a discount there. I've also, in the back end, looked to link everything together.\n\nSo because you are both in Hub 24, and this is why I really enjoy doing this live together for you, I have to get clarification. What I would like to do is also link and the reason we're getting the discount on the admin fee is I'd like to link you both in the back end. That way, you get a family fee linking on your super funds, which reduces your administration fees and gives you these extra discounts. Are you both okay with that? Yep.\n\nBeautiful. The other side of that is when you log in to Hub 24, once we link everything together, you'll actually both see both of your super accounts sitting there on the same the same account. Is that gonna be okay? Do you both agree to that? Yes.\n\nBeautiful. The other thing I wanted to ask is I do offer all of my clients that are couples the opportunity to have what's called an external third party authority on file. So at the moment, even though you guys are together and everything will be linked up, I can only speak to each of you about your individual spaces. So, Colin, you can't call back Deborah's and vice versa. If I was to get you guys to sign an external third party authority, it does mean that, say, Colin, if you're in hospital or if Deborah's in hospital or someone can't get to the phone, you have questions, either of you can call us, and we can answer questions for you on each other's super accounts and with regard to each other's information.\n\nYou can't transact or change anything, but it does give you, like, an option to inquire about what's happening. And it means that if someone's in hospital or something's happened, the other person can call us and give us that information, and we can liaise with them as well. Would you guys like me to organize that for you as well? Yeah. Yep.\n\nYou're okay with that, Deborah? Yep. Beautiful. I just wanna get clarification because not everyone wants it. I do have plenty of couples that prefer to keep everything really separate, but it's just an option that you do have as well.\n\nSo I can absolutely get those organized. My team will send them through over the next few days and just get you to sign them electronically for us to keep on file for you. Okay? Excellent. At the bottom of that page, you do have your projected table there.\n\nSo, Deborah, so long as your portfolio is able to repay me 11% on a yearly basis over the next five to seven years, you can essentially see where you're expected to be projected, give or take market conditions there as well. So it does put you in a much greater position and does save you on fees, which is fantastic. Okay. Excellent. Do you have any questions or any of that at all?\n\nNo? Beautiful. Page number 29 is sort of where I look at the projected outcome for you. So, essentially, with this, we are looking at about 73,000 on a yearly basis. This sort of shows that between both of your supers and this is from this age of 60.\n\nI know you don't really wanna retire till a little bit later, but it does essentially show that we could draw out around about a 105,000 on a yearly basis and still have your super lasting till about age 89. So starting this at age 65 or 67 does give you further longevity. I'd like to build on this for you to make sure that it's always working harder, but this kinda shows that if you decide at 60 you've had enough of working, you wanna retire earlier, it can happen. It's projected that it can work for you. We just draw a little bit more out of super at the start, and then we look at age pension.\n\nEvery time I do an advice document, I can always be updating these for you and showing you what the projected outcome is. Essentially, what I would like to do when we kind of get to 60, depending on whether you guys choose to keep working or not, there's other strategies that we can put in place. I'm not sure if I spoke to you last time about the transition to retirement strategies, and these aren't quite available until you turn 60. So 60 is a prime age. I'll tell you what.\n\nThis sort of strategy allows you to increase your contributions into super up to the cap every year. And then because you're at 60, we're able to draw a little bit out of super. Essentially, to give you an idea, we might increase your contribution. To maximize the cap, we might need to put in $12,000 on a yearly basis. So we sell back more into your super fund.\n\nBut then because that is taken out of your pay pretax, we only need realistically need to draw out, say, give or take, about 6,000 on a on a, say, a a yearly basis to supplement your income. And the amount you draw out of super is fully tax free. So this increases contributions in. You draw a little bit out. It helps to reduce your income tax and boost your super.\n\nSo when you get to that point, I'll probably talk to you probably a year out just to say, hey. Are we looking at this? Do we wanna do it? We'll draw up the advice document based on your circumstances, show you how that looks like. And there's other really cool strategies that we can put into place to kind of boost super between 60 to sixty five and sixty seven to kinda give you that last little boost before you start drawing out.\n\nOkay? Beautiful. But this sort of shows you where we're sort of tracking based on circumstances, and it shows that you could realistically you only, at the moment, want about 73,000 for the year. That could definitely change, but this sort of shows you that, you know, we could realistically draw about a 105,000 out on a yearly basis and still have super working and supplement that would centrally based on your current circumstances there as well. Okay?\n\nFantastic. Do you have any questions so far? Please let me know if you do. Excellent. Beautiful.\n\nSo, Colin, we are just going to the next page, Alan. We're just gonna retain all of your insurance policies. With the ClearView policy, we don't really have visibility on that. So what we'd like to do is see if we can add a change of adviser form so we can sort of see on the portal. I don't know if they will do it or not, but it's worth giving it a crack.\n\nBut we just wanna sort of make sure that we have visibility of that policy to help you along and make changes as you need to. Okay? Excellent. If you can scroll further down for me, sorry, to page number 34. Yeah.\n\nYeah. Mhmm. Are you still okay with the premium you're covering for that? Do you need to sort of that's okay? Yes.\n\nYes. Beautiful. Yeah. Absolutely. Absolutely.\n\nI pay for all my insurances outside of super too, and the premiums got pretty high. But it's just peace of mind of knowing your family's looked after in the event something happens. So yeah. It's a difficult thing. This industry is one where we see a lot of that, and I talk every day about life insurance and passing away and estate planning and things like that.\n\nAnd it's it's I think of the statistics at the moment, about fifty percent of people passed away intestate without wills in place. So it's a pretty big statistic at the moment. Yeah. All good. So on page number 34 there, Deborah, we're looking at your insurance policy.\n\nSo the first one there notes what you've got with retaining the insurance that you do hold within Superfast, your life, your PPD benefit, and your income protection policy. Your goal was essentially to try and pay the 6 to 700,000 off the mortgage in the event of your passing. We've essentially worked it out to try to make it the most the easiest essentially, the easiest figure possible. So we've subtracted your current life insurance and also your super benefit from that. And it essentially means that based on everything, we just need to apply for 675,000 of life cover, and we've chosen I always say this wrong, but Fortura.\n\nSo Fortura is an insurance company. They're actually owned by Noble Oak, and you could Google them. Noble Oak have been around since 1877. They're not a well known insurer, but they are really, really easy to deal with. And they have offered the life cover.\n\nBecause of your BMI, they would add a 75% loading onto the policy, but it means the yearly premium would be $980.55. This is paid for out of super for you, so it does mean that the insurance premiums do increase in super, but the fee comparison table at the top has also factored that in for you. And that essentially means that in the event of passing, you get this for the Fortuna policy paid out as well as the amount in hub twenty '4 and then your super balance paid on top of that. So we wanted to make sure that you guys are as covered as possible. It actually ends up giving you more than what your goal was with the 700,000, which is a benefit.\n\nAnd that way, in the event of something happens, Colin can pay out as much of the mortgage as absolutely possible and then take a bit of time to have a bit of a breather and grieve and work out what he wants to do moving forward. Okay? Beautiful. The the life policy is covered up to age 65. Most insurance policies, like life policies, all kind of go longer.\n\nAt the age of 65, they convert to out of pocket policies. Normally, with insurance policies, by the time you retire at age 60 or 65, we normally don't need these sorts of policies anymore. The idea is we cancel them, and we have our insurances, sorry, our super to fall back on, and we should have enough in super and hopefully be fully debt free to not need insurances anymore. But income protection and PPD tend to cancel out at age 65. At 60 five, the life policy, they convert to an out of super policy.\n\nSo we stop paying inside super, and they allow us to continue holding the policy in our own name if we want to continue their board. Okay? With all the insurance you know what? Sorry. Yeah.\n\nYeah. Yeah. Yeah. The the way we sort of look at it is when we're younger, we have higher mortgage. We've got a lower super balance, so we need more insurances.\n\nBut as we get closer to accessing super, we wanna have a higher super balance, hopefully, a lower debt level, and hopefully not need the insurances in those time it is. And that works out really well because insurances do get more expensive. All these premiums are set, and that essentially means that the older you get, the more you risk actually making a claim, the more the insurance has become more expensive. And that's why we wanna when we do reviews, we review the level of cover you have, but also how much you're paying for those. Because one of the biggest things is that insurances actually affect how much we have in through for the end of at our retirement.\n\nSo we wanna make sure that we're not eating that away. Absolutely. Yeah. I have seen some people with insurance policies at the age of 60, and they're paying about 20 or $30,000 for them. So these insurance policies can get very expensive.\n\nSo I wanna make sure you guys have a fantastic retirement and don't end up eating it all away. Okay? Absolutely. Absolutely. The last sort of part of the recommendations is down on page number 40 for you.\n\nSo it's just in relation to the new future life insurance policy there. So just making sure we do have a beneficiary nomination applied to that one. Just making sure in the event of passing that the policy is paid out to yourself, Colin. So we'll add it as a binding nonlapsing nomination and note all of your information on there. We'll send it out to you.\n\nYou guys can sign it, have it witnessed, and send back to us so we can have that applied for you. Okay? Excellent. To get the application in place, Deborah, just to let you know, we will need to go through a insurance application with you. Once you guys are happy with the advice, you've had a bit of a read through it and mull it over because I know I go through a lot.\n\nSo take some time, have a cup of tea, and ring it over if you like. If you have any questions, come back and let me know, and my colleague, Jack, will walk in to go through the application with you for the life policy. He is really good and sweet and does a fantastic job. And if you decide you prefer someone else, I can always get one of the girls to do it. I just like to make sure that everyone's comfortable going through those questionnaires.\n\nAll good? Beautiful. Excellent. I've also made a recommendation in there to make sure that you do do up a will and power of attorney. The beneficiaries do sort of look after all of your inside data and life insurance policies, but I do also like to add this into the estate planning side of things to make sure that having a will and a power of attorney done up to protect everything else you guys have worked hard for outside of super, that's your house and your savings and your cars and everything else, and having a power of attorney done up as well to make sure that in the event that you can't make decisions for yourself, that you've appointed somebody else that can make financial and or personal and medical decisions for you.\n\nSo, normally, power of attorney is set up for each of you, but then in the event that something happens to both of you, who else do you want to act on your behalf? And taking the services of a solicitor is really important to have those done up as well. Okay? Excellent. And then on page number 49, I have a sensitive remuneration side of things.\n\nSo with the advice, this is all being provided complimentary as part of your ongoing service agreement. You do pay out the ongoing service fee. It's 1.10% because you both are clients. That's per year, and then our fee is deducted in smaller monthly increments. That's all noted in here and has been accounted for as part of the advice.\n\nWith the Fortura policy, once we set that up, we do receive remuneration from insurance companies, and that by no means has any reflection on how or why I've made this recommendation. Essentially, this is in your best interest. And as you guys read it through, you'll see the best interest, Judy. So I relate that back to your goals and how and why I'm making the recommendations. But we do receive 66% of the first year's premium and 22% they're ongoing.\n\nAnd it's clear if you do allow us to add that change of adviser form and 22% they're ongoing as well from them. So it's by no means the reason for our recommendation, but we like to disclose everything that we do receive just so you are fully aware. But I work under the corporations act and under the best interest duty as part of section nine two one b of the corporations act. So everything I do has to be in your best interest, and under best interest duty, if your needs come into that conflict of the business of my bosses, I have to put you first. So I'm I'm very passionate about that, and I wanna make sure you guys are looked after a 110%.\n\nOkay? Fantastic. That is a lot, and I fully understand. So either of you have any questions at the moment? No?\n\nExcellent. Excellent. All good. Feel free to take some time to read it through. Attached to the the the Odo sign there as well, I do also have your ongoing service agreement for the next twelve months.\n\nThey just need to be updated as well. So you're happy to stay on board and have us implement everything for you. I am making sure that we do catch up moving forward. Last year was a little bit difficult with everything, but I'm myself and my colleague, Samantha, who you probably spoke to the other day, are making sure everyone does get their catch ups in there. And I know you guys prefer you later in the evening because you've worked so hard.\n\nDid you want me to do catch ups with you every three or six months? Moving forward, what would you like to see? Six months? Yep. Yep.\n\nPerfect. Easy. What I can do is I can do a catch up for you. It'll probably be December because we're July, so I'll do one just before the end of the year for you before we all go away on Christmas break. And then at that point, if you decide you wanna alter them to, you know, three months or the twelve months, you can let me know what you'd like to do.\n\nWe can always alter and change the schedule. Just wanna make sure we do catch up with you guys, especially as you are, you know, getting closer to retirement. Just making sure that we're keeping up to date with what's happening, any changes in your life, updating advice, and especially the risk profile moving forward for you. Okay? Excellent.\n\nAnd if you really enjoy reading, attached to the Odoo sign up, also got the product disclosure statements for Hub twenty four and for Fortura. We've got the Okey financial services guide for you as well and the appendices that outlines any additional research that I was able to do for you. So depending on how much reading you enjoy doing, that's all for you, but please take some time to read through the advice document. Let me know if you do happen to have any questions, and if you are happy just take on the recommendations. I'll get you to sign and return those back there for me.\n\nOkay? Beautiful. I really appreciate your time this evening. Thank you so much for taking my call. You've had a long day at work, so you're probably both exhausted and ready to have a sit down.\n\nYep. Yep. Yep. So with that one there, that is just in case you don't wish to take on any part of the recommendations, you're allowed to pop that in there. If it's asking you to do anything with that, you can just put NA if you're happy to take on all the recommendations.\n\nYep. Beautiful. Yeah. We put that text box in there now just in case there's any sections that someone doesn't wanna take or implement. It just allows you to make a little comment there.\n\nThat's all. Okay. Easy. Beautiful. Is it just click is there yep.\n\nAnd press that button. Oh. Yep. So sorry. About that, it should it should have a little signature button there for you.\n\nOh goodness. Yes. Probably. Beautiful. Thank you so much for that.\n\nI will let you both go. If you have any trouble, let me know. And, yeah, look, have a really good night. I hope you both get to put your feet up, enjoy some dinner, and relax. All good.\n\nThanks. Thank you for your time. Have a great night. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Deborah.","start":2.0,"end":2.72,"sentiment":"neutral","sentiment_score":0.22321437299251556},{"text":"It's Dana from Okies Financial.","start":2.72,"end":4.42,"sentiment":"neutral","sentiment_score":0.2308180719614029},{"text":"How are you this evening?","start":4.56,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2739443898200989},{"text":"I'm very well.","start":7.8399997,"end":8.88,"sentiment":"positive","sentiment_score":0.5776771704355875},{"text":"Thank you.","start":8.88,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6354874968528748}],"sentiment":"positive","sentiment_score":0.35142632705323834,"num_words":17,"start":2.0,"end":9.5199995},{"sentences":[{"text":"I had yourself and Colin both booked in to go through your updated advice page.","start":9.5199995,"end":13.44,"sentiment":"neutral","sentiment_score":0.15574931601683298},{"text":"Isn't now still a good time there for you both?","start":13.44,"end":15.86,"sentiment":"neutral","sentiment_score":0.08553274504374712},{"text":"Oh, fantastic.","start":18.455,"end":19.195,"sentiment":"positive","sentiment_score":0.4635029137134552},{"text":"Hi.","start":19.335001,"end":19.835001,"sentiment":"neutral","sentiment_score":0.30772271752357483},{"text":"I'm good.","start":20.455,"end":21.015,"sentiment":"positive","sentiment_score":0.42549073696136475}],"sentiment":"neutral","sentiment_score":0.1759092403187727,"num_words":30,"start":9.5199995,"end":21.015},{"sentences":[{"text":"Thanks, Colin.","start":21.015,"end":21.655,"sentiment":"positive","sentiment_score":0.49166858196258545},{"text":"How's your day?","start":21.655,"end":22.635,"sentiment":"positive","sentiment_score":0.3346803883711497},{"text":"Oh, fantastic.","start":24.615,"end":25.595001,"sentiment":"positive","sentiment_score":0.42795896530151367},{"text":"What I'm gonna do is I'm gonna send you an email to you with the advice document attached.","start":26.455,"end":30.449999,"sentiment":"neutral","sentiment_score":0.15309193688962194},{"text":"Now you both do get a copy, but you're welcome just to open it up so you can both look at the same one if it's easier for you.","start":30.449999,"end":36.629997,"sentiment":"neutral","sentiment_score":0.16786291732870298}],"sentiment":"neutral","sentiment_score":0.193832883818282,"num_words":54,"start":21.015,"end":36.629997},{"sentences":[{"text":"I've just pressed send on that one.","start":37.09,"end":39.51,"sentiment":"neutral","sentiment_score":0.08368715324572154},{"text":"Beautiful.","start":41.17,"end":41.67,"sentiment":"positive","sentiment_score":0.5572227239608765},{"text":"Hopefully, it comes through fairly quickly.","start":42.415,"end":44.335,"sentiment":"positive","sentiment_score":0.46058925489584607},{"text":"Love technology when it wants to work in our favor.","start":44.335,"end":46.915,"sentiment":"positive","sentiment_score":0.4300165295600891},{"text":"Fantastic.","start":50.175,"end":50.675,"sentiment":"positive","sentiment_score":0.4031552970409394}],"sentiment":"positive","sentiment_score":0.34439555674791333,"num_words":25,"start":37.09,"end":50.675},{"sentences":[{"text":"Yeah.","start":54.99,"end":55.23,"sentiment":"neutral","sentiment_score":0.0802077054977417},{"text":"You're right.","start":55.23,"end":55.87,"sentiment":"neutral","sentiment_score":0.09653990715742111},{"text":"Not a problem at all.","start":55.87,"end":57.33,"sentiment":"neutral","sentiment_score":0.16850610673427582},{"text":"Just while that is coming through, I just need to let you both know we do record our calls for quality and training purposes.","start":57.95,"end":63.87,"sentiment":"neutral","sentiment_score":0.08156736381351948},{"text":"Are you both happy for that to proceed?","start":63.87,"end":65.73,"sentiment":"neutral","sentiment_score":0.14000473357737064}],"sentiment":"neutral","sentiment_score":0.1048368163406849,"num_words":40,"start":54.99,"end":65.73},{"sentences":[{"text":"Fantastic.","start":67.725006,"end":68.225006,"sentiment":"positive","sentiment_score":0.35028669238090515},{"text":"And just to do a really quick security check there for you, I just need to confirm both your date of birth and just your residential address from one of you is fine.","start":68.525,"end":76.545006,"sentiment":"neutral","sentiment_score":0.15299619192426855},{"text":"Legend.","start":82.700005,"end":83.18,"sentiment":"neutral","sentiment_score":0.1385507583618164},{"text":"Thank you so much for that.","start":83.18,"end":84.880005,"sentiment":"positive","sentiment_score":0.4471360246340434},{"text":"Beautiful.","start":85.020004,"end":85.520004,"sentiment":"neutral","sentiment_score":0.24942925572395325}],"sentiment":"neutral","sentiment_score":0.20166564732789993,"num_words":42,"start":67.725006,"end":85.520004},{"sentences":[{"text":"Now you're right.","start":85.98,"end":87.44,"sentiment":"neutral","sentiment_score":0.03943046679099401},{"text":"Yeah.","start":91.055,"end":91.375,"sentiment":"neutral","sentiment_score":0.0029233982786536217},{"text":"No.","start":91.375,"end":91.535,"sentiment":"neutral","sentiment_score":-0.01857566088438034},{"text":"That's fine.","start":91.535,"end":92.095,"sentiment":"neutral","sentiment_score":0.02026867028325796},{"text":"That's fine.","start":92.095,"end":92.655,"sentiment":"neutral","sentiment_score":0.08402008563280106}],"sentiment":"neutral","sentiment_score":0.0345796277332637,"num_words":9,"start":85.98,"end":92.655},{"sentences":[{"text":"Thanks, Deborah.","start":92.655,"end":93.375,"sentiment":"neutral","sentiment_score":0.31385810673236847},{"text":"You're all good.","start":93.375,"end":94.175,"sentiment":"positive","sentiment_score":0.40471919377644855},{"text":"All good.","start":94.175,"end":94.915,"sentiment":"positive","sentiment_score":0.37159404158592224},{"text":"Lovely.","start":96.175,"end":96.675,"sentiment":"neutral","sentiment_score":0.3239895701408386},{"text":"So on the front of that one there, it will just have the statement of it as I'm sorry for both of yourselves.","start":96.815,"end":103.955,"sentiment":"neutral","sentiment_score":-0.0004978009864040043}],"sentiment":"neutral","sentiment_score":0.09347103307804754,"num_words":31,"start":92.655,"end":103.955},{"sentences":[{"text":"On the bottom of the document, it does have my authorized representative number.","start":104.48,"end":108.020004,"sentiment":"neutral","sentiment_score":0.05070568545936392},{"text":"I'm a registered licensed financial adviser with ASIC, and my number registered is 1304394.","start":108.08,"end":114.340004,"sentiment":"neutral","sentiment_score":0.07796191929706506},{"text":"To make this easier, so so as I'm not making it overcomplicated for you both, I'll go through the sections that I need to.","start":115.44,"end":122.635,"sentiment":"neutral","sentiment_score":0.325365321089824},{"text":"So I'll direct you to a couple of the pages that we need to touch on, and then I'll let you both go back and have a really good read of the document.","start":122.635,"end":129.775,"sentiment":"positive","sentiment_score":0.4177484331708966},{"text":"All of our the pages where the advice is noted, it does outline any advantages, disadvantages, risks involved, and I also have a best interest duty statement which outlines what the advice is in your best interest and how it relates back to your goals for you both.","start":130.53,"end":144.21,"sentiment":"neutral","sentiment_score":0.32625104129935306}],"sentiment":"neutral","sentiment_score":0.2954936118507193,"num_words":132,"start":104.48,"end":144.21},{"sentences":[{"text":"Okay?","start":144.21,"end":144.71,"sentiment":"neutral","sentiment_score":0.13380146026611328},{"text":"Excellent.","start":146.535,"end":147.035,"sentiment":"positive","sentiment_score":0.598222017288208},{"text":"Now I do apologize for the delay.","start":147.41501,"end":149.355,"sentiment":"neutral","sentiment_score":0.04876025127513068},{"text":"We had the advice ready to go a few months back, but we have just sort of noted there's been some changes with market conditions, and I wanted to make some updates to your portfolio as well.","start":149.735,"end":159.115,"sentiment":"neutral","sentiment_score":0.12729540970679876},{"text":"And, Deborah, one of the things we talked about late last year was trying to get you a bit more life insurance as well.","start":159.81,"end":165.27,"sentiment":"neutral","sentiment_score":0.17914524550239244}],"sentiment":"neutral","sentiment_score":0.1440394469669887,"num_words":70,"start":144.21,"end":165.27},{"sentences":[{"text":"And very recently, an insurer has come out with an option for you.","start":165.81,"end":170.05,"sentiment":"neutral","sentiment_score":0.09323404270869035},{"text":"So it meant that I needed to just go back to the drawing board.","start":170.05,"end":173.045,"sentiment":"neutral","sentiment_score":0.08094649602259908},{"text":"I have some options for you to have a look at with regards to what I've recommended, and you guys can go back and decide what you're happy to take on board.","start":173.585,"end":180.705,"sentiment":"neutral","sentiment_score":0.23853137623518705},{"text":"Okay?","start":180.705,"end":181.205,"sentiment":"neutral","sentiment_score":0.16251477599143982},{"text":"Fantastic.","start":183.025,"end":183.525,"sentiment":"positive","sentiment_score":0.7280599474906921}],"sentiment":"neutral","sentiment_score":0.17817823381208983,"num_words":61,"start":165.81,"end":183.525},{"sentences":[{"text":"I kinda thought let's do all this at once.","start":184.065,"end":185.985,"sentiment":"positive","sentiment_score":0.5423409541447958},{"text":"Otherwise, I presented the advice to you, and then we had to go back and do a few more changes afterwards.","start":185.985,"end":190.93001,"sentiment":"positive","sentiment_score":0.36206235488255817},{"text":"So kind of putting it all into one advice document makes it a little bit easier for the both of you as well.","start":190.93001,"end":196.21,"sentiment":"positive","sentiment_score":0.5032287602839263},{"text":"Okay.","start":196.21,"end":196.71,"sentiment":"neutral","sentiment_score":0.2090319991111755},{"text":"Excellent.","start":198.61,"end":199.11,"sentiment":"positive","sentiment_score":0.498445987701416}],"sentiment":"positive","sentiment_score":0.4502930456941778,"num_words":55,"start":184.065,"end":199.11},{"sentences":[{"text":"Now if I can get you to scroll down to page number two and three for me.","start":199.33,"end":204.06499,"sentiment":"neutral","sentiment_score":0.13526996663388083},{"text":"Two is just the table of contents, but page number three and four and five outline the areas that we are and are not looking at advice at the moment.","start":204.36499,"end":213.64499,"sentiment":"neutral","sentiment_score":0.006163230165839195},{"text":"So we do have superannuation scoped in.","start":213.64499,"end":216.53,"sentiment":"neutral","sentiment_score":0.06831731381160873},{"text":"When I spoke to you both last, you were both looking at retiring around about age 65 to 67.","start":216.53,"end":222.47,"sentiment":"neutral","sentiment_score":0.03921490691994366},{"text":"We had sort of talked about an annual income of around about 73,000, just sort of tracking forward that, I'm looking at Centrelink if eligible at 67 as well.","start":223.09,"end":233.46501,"sentiment":"neutral","sentiment_score":0.03219377024677293}],"sentiment":"neutral","sentiment_score":0.04550402061831133,"num_words":102,"start":199.33,"end":233.46501},{"sentences":[{"text":"Is that sort of goal still appropriate to you?","start":234.16501,"end":236.565,"sentiment":"neutral","sentiment_score":0.11670261455906762},{"text":"Do you feel like any of that's changed?","start":236.565,"end":238.345,"sentiment":"neutral","sentiment_score":-0.0031882018665783107},{"text":"Beautiful.","start":241.445,"end":241.945,"sentiment":"positive","sentiment_score":0.407728374004364},{"text":"Beautiful.","start":242.645,"end":243.145,"sentiment":"neutral","sentiment_score":0.15366840362548828},{"text":"Yep.","start":246.93999,"end":247.43999,"sentiment":"neutral","sentiment_score":0.06012828275561333}],"sentiment":"neutral","sentiment_score":0.08231714882422239,"num_words":20,"start":234.16501,"end":247.43999},{"sentences":[{"text":"If you press on the button that says sign, it'll take you through so you can see the actual document.","start":251.42,"end":256.86,"sentiment":"neutral","sentiment_score":0.04515247819945216},{"text":"Sorry.","start":256.86,"end":257.34,"sentiment":"neutral","sentiment_score":-0.09788138419389723},{"text":"My apologies if I missed that.","start":257.34,"end":258.78,"sentiment":"neutral","sentiment_score":-0.21597729623317719},{"text":"Sorry about that, Barb.","start":258.78,"end":259.875,"sentiment":"neutral","sentiment_score":-0.09078927710652351},{"text":"Yeah.","start":264.595,"end":265.095,"sentiment":"neutral","sentiment_score":0.08016745001077652}],"sentiment":"neutral","sentiment_score":-0.024177664250601083,"num_words":32,"start":251.42,"end":265.095},{"sentences":[{"text":"All good.","start":265.475,"end":266.215,"sentiment":"neutral","sentiment_score":0.20938292890787125},{"text":"Yep.","start":266.995,"end":267.495,"sentiment":"neutral","sentiment_score":0.21503573656082153},{"text":"Beautiful.","start":267.635,"end":268.135,"sentiment":"positive","sentiment_score":0.35584527254104614},{"text":"Sorry.","start":268.915,"end":269.315,"sentiment":"neutral","sentiment_score":-0.016951944679021835},{"text":"I'm directing you to your pages.","start":269.315,"end":270.675,"sentiment":"neutral","sentiment_score":-0.022711750430365402}],"sentiment":"neutral","sentiment_score":0.0760385836051269,"num_words":11,"start":265.475,"end":270.675},{"sentences":[{"text":"You can't even see.","start":270.675,"end":271.795,"sentiment":"neutral","sentiment_score":-0.0469885366037488},{"text":"Sorry about that.","start":271.795,"end":272.855,"sentiment":"neutral","sentiment_score":-0.04000920119384924},{"text":"All good.","start":275.37,"end":276.19,"sentiment":"positive","sentiment_score":0.46227557957172394},{"text":"Now one of the things I do like to point out is when I am looking at the retirement aspect, you guys are getting closer to it.","start":276.25,"end":282.17,"sentiment":"neutral","sentiment_score":0.07767743782864676},{"text":"So we are looking at a that approximate income as part of your goal, but we know that can definitely change.","start":282.17,"end":287.895,"sentiment":"neutral","sentiment_score":0.09886772682269414}],"sentiment":"neutral","sentiment_score":0.08403653497889377,"num_words":57,"start":270.675,"end":287.895},{"sentences":[{"text":"So what happens is when we actually get to the the retirement years, we will have another conversation.","start":287.895,"end":293.51498,"sentiment":"neutral","sentiment_score":0.06774522219267157},{"text":"When you tell me you're ready to retire, we'll look at in-depth what you actually need to live on and what your income expectation is.","start":293.575,"end":300.24,"sentiment":"neutral","sentiment_score":0.07758191332221032},{"text":"You need to draw out of super, and then we'll go back to the drawing board.","start":300.4,"end":304.08,"sentiment":"neutral","sentiment_score":0.05190733261406422},{"text":"I'll then provide additional advice on how we draw that income down from both these supers, how we supplement that with Centrelink, and we'll look at the nitty gritty on the drawdown.","start":304.08,"end":313.3,"sentiment":"neutral","sentiment_score":0.08408742747269571},{"text":"Okay?","start":313.59998,"end":314.09998,"sentiment":"neutral","sentiment_score":0.04655161499977112}],"sentiment":"neutral","sentiment_score":0.07311770052689573,"num_words":92,"start":287.895,"end":314.09998},{"sentences":[{"text":"Beautiful.","start":315.375,"end":315.875,"sentiment":"positive","sentiment_score":0.4379329681396485},{"text":"We've also scoped in essentially the insurance side of things.","start":317.295,"end":322.115,"sentiment":"neutral","sentiment_score":0.013005952909588813},{"text":"So, Colin, we're not making any changes to your insurance because you are pretty happy with the cover you have at the moment.","start":322.175,"end":328.01498,"sentiment":"neutral","sentiment_score":-0.12280672966786053},{"text":"You've got the TV policy outside of super and also just your in inside super policy.","start":328.01498,"end":333.88998,"sentiment":"neutral","sentiment_score":-0.014664860325865448},{"text":"But, Deborah, you just wanted to have a little bit more.","start":334.50998,"end":336.83,"sentiment":"neutral","sentiment_score":-0.04258781603791497}],"sentiment":"neutral","sentiment_score":-0.048519115192724054,"num_words":61,"start":315.375,"end":336.83},{"sentences":[{"text":"So your cover is only the hub 24 cover at the moment.","start":336.83,"end":339.78998,"sentiment":"neutral","sentiment_score":-0.01771223871037364},{"text":"You've got your life, CT, and income protection.","start":339.78998,"end":342.21,"sentiment":"neutral","sentiment_score":0.05490996828302741},{"text":"We're not able to increase or obtain any new disability cover, so TPD or IP.","start":342.85498,"end":348.47498,"sentiment":"neutral","sentiment_score":-0.2680827220280965},{"text":"Essentially, when we did your your pre assessment, it's just because the BMI is a little bit high.","start":349.175,"end":355.495,"sentiment":"neutral","sentiment_score":-0.22711953934695986},{"text":"So when we have a BMI of over 40, we're putting much pressure on our heart, and the insurers take that as too much risk.","start":355.495,"end":362.4,"sentiment":"negative","sentiment_score":-0.49668237507343294}],"sentiment":"neutral","sentiment_score":-0.26025280812516427,"num_words":78,"start":336.83,"end":362.4},{"sentences":[{"text":"You're really actually very healthy, and I'm confident that you're really you know, not gonna nothing's gonna happen, but it does, unfortunately, create a higher risk for the insurance companies.","start":362.62,"end":372.96,"sentiment":"neutral","sentiment_score":-0.022135037494202457},{"text":"So when I was talking to the BDMs recently, I was making some changes to your portfolio.","start":373.925,"end":379.94498,"sentiment":"neutral","sentiment_score":0.02442210605915855},{"text":"I sort of had a bit of a blind pre assessment, and they actually came out and said, hey.","start":380.245,"end":385.845,"sentiment":"neutral","sentiment_score":0.06449956839021884},{"text":"We are happy to look at things for you.","start":385.845,"end":388.32498,"sentiment":"positive","sentiment_score":0.5443420277701484},{"text":"So they are offering a bit of life cover, which basically means that in the event of you passing, Colin, you do are able to access a little bit more money to help pay down the mortgage, which would leave you with a little bit less stress in that event.","start":388.32498,"end":402.495,"sentiment":"positive","sentiment_score":0.3436810481548309}],"sentiment":"neutral","sentiment_score":0.1844779770821333,"num_words":125,"start":362.62,"end":402.495},{"sentences":[{"text":"Okay?","start":403.055,"end":403.555,"sentiment":"neutral","sentiment_score":0.13104566931724548},{"text":"So I'll go through that with you shortly.","start":403.695,"end":405.635,"sentiment":"neutral","sentiment_score":0.15683929435908794},{"text":"Because I am looking at, Deborah, you're getting a little bit more life cover, I've also scoped in the estate planning side of things just minimally just to make sure that your beneficiaries on your life cover are up to date and correct.","start":406.57498,"end":418.79,"sentiment":"neutral","sentiment_score":0.24125395472659622},{"text":"Essentially, you both just wanted your beneficiaries to be paid to each other.","start":419.09,"end":422.79,"sentiment":"neutral","sentiment_score":0.29176032772431004},{"text":"Everything is already set up that way.","start":423.33,"end":425.57,"sentiment":"neutral","sentiment_score":0.3216748407908848}],"sentiment":"neutral","sentiment_score":0.2472817808803585,"num_words":72,"start":403.055,"end":425.57},{"sentences":[{"text":"It's just that we're making a new recommendation on life cover.","start":425.57,"end":428.37,"sentiment":"neutral","sentiment_score":0.2508442537351088},{"text":"We wanna make sure those beneficiaries are applied to that policy as well for you.","start":428.37,"end":432.69,"sentiment":"positive","sentiment_score":0.3514209419488907},{"text":"Okay?","start":432.69,"end":433.19,"sentiment":"neutral","sentiment_score":0.07883037626743317},{"text":"I've limited scope in retirement.","start":434.77502,"end":437.195,"sentiment":"neutral","sentiment_score":-0.2975364148616791},{"text":"So, essentially, because you are getting closer to it, the way I've limited scope this year is that I've taken your projected outcome at the age of 65 and 67.","start":437.415,"end":447.15,"sentiment":"neutral","sentiment_score":-0.1470486506819725}],"sentiment":"neutral","sentiment_score":0.035649833900313226,"num_words":62,"start":425.57,"end":447.15},{"sentences":[{"text":"So I project things like that in the back end for you, and then I look at essentially what we're looking at, how that drawdown might look with a little bit of a table for you.","start":447.15,"end":456.85,"sentiment":"neutral","sentiment_score":0.06954479724582699},{"text":"That drawdown can change, and it's just giving you an idea of where we're tracking for at the moment, but it gives us an idea of down the track.","start":456.99,"end":463.88498,"sentiment":"neutral","sentiment_score":0.09575656082095771},{"text":"Do we need to implement other strategies or look at other options for strategies or increase contributions down the track?","start":463.88498,"end":470.44498,"sentiment":"neutral","sentiment_score":0.0598801689222455},{"text":"So I'll show you essentially where we're up to with that tracking, and then we can talk about other things that we can also do down the track to help you guys along.","start":470.44498,"end":479.69,"sentiment":"neutral","sentiment_score":0.15950902754610236},{"text":"Okay?","start":479.91,"end":480.41,"sentiment":"neutral","sentiment_score":0.08486291021108627}],"sentiment":"neutral","sentiment_score":0.09938501817088168,"num_words":119,"start":447.15,"end":480.41},{"sentences":[{"text":"Areas that we've scoped out at the moment is essentially cash flow, savings, and debt.","start":482.15,"end":486.735,"sentiment":"neutral","sentiment_score":0.03738199199239413},{"text":"You guys are paying down your mortgage.","start":486.735,"end":488.75497,"sentiment":"neutral","sentiment_score":0.023993814630167826},{"text":"You do hope to have that paid down, hopefully, by retirement.","start":488.97498,"end":491.875,"sentiment":"neutral","sentiment_score":0.053579172627492386},{"text":"If you don't, we will help to make sure that, you know, you've got enough money coming out to supplement that.","start":492.81497,"end":498.19498,"sentiment":"neutral","sentiment_score":0.05552736882652555},{"text":"If you did need any additional advice in those areas down the track, let me know.","start":498.895,"end":502.5,"sentiment":"neutral","sentiment_score":0.007429118384607136}],"sentiment":"neutral","sentiment_score":0.03718568743871791,"num_words":70,"start":482.15,"end":502.5},{"sentences":[{"text":"We'll just go to that house for now.","start":502.5,"end":504.52002,"sentiment":"neutral","sentiment_score":0.013545428169891238},{"text":"Okay.","start":504.66,"end":505.16,"sentiment":"neutral","sentiment_score":0.046965938061475754},{"text":"Excellent.","start":506.66,"end":507.16,"sentiment":"positive","sentiment_score":0.4482400417327881},{"text":"Yeah.","start":508.1,"end":508.6,"sentiment":"neutral","sentiment_score":0.029618877917528152},{"text":"Okay.","start":518.35504,"end":518.835,"sentiment":"neutral","sentiment_score":0.1878567337989807}],"sentiment":"neutral","sentiment_score":0.06842041807249188,"num_words":12,"start":502.5,"end":518.835},{"sentences":[{"text":"Beautiful.","start":518.835,"end":519.335,"sentiment":"positive","sentiment_score":0.4803118109703064},{"text":"Yeah.","start":525.49,"end":525.99,"sentiment":"neutral","sentiment_score":0.05854542553424835},{"text":"Yep.","start":529.97,"end":530.47,"sentiment":"neutral","sentiment_score":0.13197365403175354},{"text":"That's perfect.","start":532.85,"end":533.75,"sentiment":"neutral","sentiment_score":0.27012625336647034},{"text":"Yeah.","start":535.00995,"end":535.41,"sentiment":"neutral","sentiment_score":0.18289418518543243}],"sentiment":"neutral","sentiment_score":0.23232959707578024,"num_words":6,"start":518.835,"end":535.41},{"sentences":[{"text":"Absolutely.","start":535.41,"end":535.91,"sentiment":"neutral","sentiment_score":0.25625771284103394},{"text":"And when you get to that point, have a chat with me.","start":536.13,"end":538.13,"sentiment":"neutral","sentiment_score":0.1456182599067688},{"text":"We'll talk about what you've got, what, you know, you've got leftover, what your plans are, and we'll factor all of that in for you.","start":538.13,"end":544.35504,"sentiment":"neutral","sentiment_score":0.18608130574226378},{"text":"Absolutely.","start":544.35504,"end":544.85504,"sentiment":"neutral","sentiment_score":0.3075219392776489},{"text":"Excellent.","start":545.955,"end":546.435,"sentiment":"positive","sentiment_score":0.5255522727966309}],"sentiment":"neutral","sentiment_score":0.18721959218382836,"num_words":40,"start":535.41,"end":546.435},{"sentences":[{"text":"You are still very young.","start":546.435,"end":547.55505,"sentiment":"neutral","sentiment_score":0.26970708966255186},{"text":"You've got a lot of time ahead of you still.","start":547.55505,"end":549.395,"sentiment":"neutral","sentiment_score":0.2234872415661812},{"text":"Don't worry.","start":549.395,"end":550.215,"sentiment":"neutral","sentiment_score":0.1959814727306366},{"text":"Absolutely.","start":555.72003,"end":556.22003,"sentiment":"neutral","sentiment_score":0.07783323526382446},{"text":"Absolute and, look, I tell everyone, if I win, all of my clients will get a piece of pie.","start":556.76,"end":561.72003,"sentiment":"positive","sentiment_score":0.48041610027614395}],"sentiment":"positive","sentiment_score":0.3562462148634163,"num_words":37,"start":546.435,"end":561.72003},{"sentences":[{"text":"Don't you worry.","start":561.72003,"end":562.62,"sentiment":"neutral","sentiment_score":0.00753635788957278},{"text":"Haven't yet won.","start":564.36005,"end":565.5,"sentiment":"neutral","sentiment_score":-0.06595531478524208},{"text":"That is it.","start":568.92505,"end":569.645,"sentiment":"neutral","sentiment_score":-0.1926665057738622},{"text":"That is it.","start":569.645,"end":570.205,"sentiment":"neutral","sentiment_score":-0.1509813666343689},{"text":"My husband reckons he's taking the numbers and just waiting his time like, yeah.","start":570.205,"end":573.645,"sentiment":"neutral","sentiment_score":-0.2169899120926857}],"sentiment":"neutral","sentiment_score":-0.16323304835420388,"num_words":26,"start":561.72003,"end":573.645},{"sentences":[{"text":"We've been doing this for five years now.","start":573.645,"end":575.48505,"sentiment":"neutral","sentiment_score":-0.26837568543851376},{"text":"It's not happening anytime soon.","start":575.48505,"end":577.34503,"sentiment":"neutral","sentiment_score":-0.32899343967437744},{"text":"Absolutely.","start":580.49,"end":580.99,"sentiment":"neutral","sentiment_score":0.0029860306531190872},{"text":"What else, sir?","start":582.97,"end":583.77,"sentiment":"neutral","sentiment_score":-0.003034994083767136},{"text":"If you can just run to page number eight there for me.","start":583.77,"end":586.33,"sentiment":"neutral","sentiment_score":0.007588945173968871}],"sentiment":"neutral","sentiment_score":-0.12782842384105356,"num_words":29,"start":573.645,"end":586.33},{"sentences":[{"text":"I've got your assets and liabilities noted down as per our last conversation.","start":586.33,"end":590.02997,"sentiment":"neutral","sentiment_score":0.008584638126194477},{"text":"I know with, like, your primary residence and car loans and credit cards and things, there can be some changes there.","start":591.29,"end":596.84503,"sentiment":"neutral","sentiment_score":0.0030227842785063245},{"text":"Is there anything that you would like me to have altered or changed in the back end, changes to liabilities or assets?","start":597.305,"end":603.165,"sentiment":"neutral","sentiment_score":-0.012473511255600235},{"text":"Yep.","start":611.11,"end":611.61,"sentiment":"neutral","sentiment_score":0.17404727637767792},{"text":"Beautiful.","start":611.75,"end":612.25,"sentiment":"positive","sentiment_score":0.509472131729126}],"sentiment":"neutral","sentiment_score":0.010072084930564823,"num_words":58,"start":586.33,"end":612.25},{"sentences":[{"text":"Fantastic.","start":612.70996,"end":613.20996,"sentiment":"positive","sentiment_score":0.5539706945419312},{"text":"Excellent.","start":614.39,"end":614.89,"sentiment":"positive","sentiment_score":0.5561990141868591},{"text":"Yep.","start":616.23,"end":616.73,"sentiment":"neutral","sentiment_score":0.14869283139705658},{"text":"Fantastic.","start":616.79,"end":617.29,"sentiment":"positive","sentiment_score":0.4533701539039612},{"text":"And we've got your super balances noted there as well.","start":617.83,"end":620.63,"sentiment":"neutral","sentiment_score":0.23022443801164627}],"sentiment":"neutral","sentiment_score":0.28674836243901936,"num_words":14,"start":612.70996,"end":620.63},{"sentences":[{"text":"So, Colin and Deborah, you currently got $386,009.57 in super for yourself, Colin.","start":620.63,"end":626.965,"sentiment":"neutral","sentiment_score":0.16118929936335638},{"text":"And, Deborah, you've got $427,005.54.","start":626.965,"end":630.725,"sentiment":"neutral","sentiment_score":0.1385069414973259},{"text":"So everything is looking very up.","start":630.725,"end":633.205,"sentiment":"neutral","sentiment_score":0.3035159856081009},{"text":"And, honestly, just so you guys both know, your balances are above the annual average for most people of your age and state.","start":633.205,"end":641.14,"sentiment":"neutral","sentiment_score":0.08367672449220782},{"text":"So your balances are very, very well.","start":641.28,"end":644.18,"sentiment":"neutral","sentiment_score":0.16273180288927896}],"sentiment":"neutral","sentiment_score":0.1420884962297148,"num_words":54,"start":620.63,"end":644.18},{"sentences":[{"text":"Deb, yours is actually a lot higher than the average person your own age for a female, so you can be really proud of that.","start":644.64,"end":652.045,"sentiment":"neutral","sentiment_score":0.013859559372067452},{"text":"We might have ways in the future.","start":657.305,"end":659.085,"sentiment":"neutral","sentiment_score":-0.05384874663182667},{"text":"What I'd love to sort of see is as we get closer to it to be able to even it out so your balances are even as possible.","start":659.225,"end":665.43,"sentiment":"neutral","sentiment_score":0.08834797010890075},{"text":"That way we can draw a little bit out of both of them, keep them sort of on par, and then supplement with ink with Centrelink there as well.","start":665.43,"end":673.11,"sentiment":"neutral","sentiment_score":0.1592850286898942},{"text":"So that's what I would like to be able to help you guys to do.","start":673.11,"end":675.91,"sentiment":"neutral","sentiment_score":0.23490750392278034}],"sentiment":"neutral","sentiment_score":0.10179008953631498,"num_words":104,"start":644.64,"end":675.91},{"sentences":[{"text":"Okay.","start":675.91,"end":676.41,"sentiment":"neutral","sentiment_score":0.08804187178611755},{"text":"Excellent.","start":677.315,"end":677.815,"sentiment":"positive","sentiment_score":0.7387912273406982},{"text":"The next couple of pages outline your current insurance policies.","start":678.995,"end":681.975,"sentiment":"positive","sentiment_score":0.3546468749642372},{"text":"Colin, yours are all good.","start":682.435,"end":683.555,"sentiment":"positive","sentiment_score":0.6841559648513794},{"text":"You were happy with all the policies that you do have there.","start":683.555,"end":686.455,"sentiment":"positive","sentiment_score":0.5367472742994627}],"sentiment":"positive","sentiment_score":0.4908637574006771,"num_words":29,"start":675.91,"end":686.455},{"sentences":[{"text":"Page number nine, Deborah, is yours.","start":686.755,"end":688.515,"sentiment":"neutral","sentiment_score":0.1156590258081754},{"text":"You've got your life and CBD within the hub twenty four super there, and then you've got your income protection policy as well.","start":688.515,"end":695.61005,"sentiment":"neutral","sentiment_score":0.2236258724461431},{"text":"Okay?","start":695.61005,"end":696.11005,"sentiment":"neutral","sentiment_score":0.1052362695336342},{"text":"You are both technically growth investors, so there's no change to your risk profile at the moment.","start":697.69,"end":703.45,"sentiment":"neutral","sentiment_score":0.1473564062924946},{"text":"And the growth portfolio tends to suit someone who has around about six years towards accessing their super.","start":703.45,"end":709.47504,"sentiment":"neutral","sentiment_score":0.2559877642326885}],"sentiment":"neutral","sentiment_score":0.20085267928930428,"num_words":65,"start":686.755,"end":709.47504},{"sentences":[{"text":"So you are definitely on par there.","start":709.47504,"end":711.41504,"sentiment":"positive","sentiment_score":0.41035312839916777},{"text":"I will be move moving forward, and we don't have to do the risk profile every year, essentially.","start":711.795,"end":716.115,"sentiment":"neutral","sentiment_score":0.1128759922252761},{"text":"We do like to, but moving forward, we will talk a lot more about the risk level and where you are invested and how you're invested in your annual reviews to make sure that we are pinpointing when we need to start reducing that risk.","start":716.115,"end":727.95,"sentiment":"neutral","sentiment_score":0.08739789906475279},{"text":"I'm sure you both probably are well aware of what's been happening in the market this year.","start":728.25,"end":732.91003,"sentiment":"neutral","sentiment_score":0.009860282544704044},{"text":"There has been a lot of ups and downs, and that has made some people very, very nervous and reduced a lot of risk for a lot of my clients this year, especially in the older stage even before that six year mark sort of hits because people are a little bit nervous about how things are going.","start":733.15497,"end":748.16003,"sentiment":"neutral","sentiment_score":-0.11697455129489817}],"sentiment":"neutral","sentiment_score":0.015312041689095826,"num_words":145,"start":709.47504,"end":748.16003},{"sentences":[{"text":"So that's completely fine and okay.","start":748.16003,"end":750.39996,"sentiment":"neutral","sentiment_score":0.27641596645116806},{"text":"And if there's ever anything that's concerning either of you, just let me know.","start":750.39996,"end":754.57996,"sentiment":"neutral","sentiment_score":0.04564766293125493},{"text":"This year, I've been leaving lots of that to my calendar for off the cuff phone calls.","start":755.12,"end":759.27997,"sentiment":"neutral","sentiment_score":0.056178231449688185},{"text":"So if you guys call us at any point, you guys need to talk to Dana.","start":759.27997,"end":762.32,"sentiment":"neutral","sentiment_score":0.05563191743567586},{"text":"I have some concerns about my super or the market.","start":762.32,"end":764.885,"sentiment":"neutral","sentiment_score":-0.08710453361272812}],"sentiment":"neutral","sentiment_score":0.051931085035441416,"num_words":63,"start":748.16003,"end":764.885},{"sentences":[{"text":"Come I'll always try to take the call.","start":765.505,"end":767.505,"sentiment":"neutral","sentiment_score":0.03724010614678264},{"text":"If for any reason I am on the phone, they will book you in.","start":767.505,"end":770.705,"sentiment":"neutral","sentiment_score":0.046199463840041845},{"text":"But the girls all know to come and ask me if I'm available first.","start":770.945,"end":774.305,"sentiment":"neutral","sentiment_score":0.05974494266722884},{"text":"So, I try to make sure I'm available whenever you guys need.","start":774.305,"end":777.825,"sentiment":"neutral","sentiment_score":0.08915481188644965},{"text":"Okay?","start":777.825,"end":778.325,"sentiment":"neutral","sentiment_score":0.08517175912857056}],"sentiment":"neutral","sentiment_score":0.05992187840902075,"num_words":49,"start":765.505,"end":778.325},{"sentences":[{"text":"Excellent.","start":779.85004,"end":780.35004,"sentiment":"neutral","sentiment_score":0.021410975605249405},{"text":"If you can scroll down to page number 19 for me, I'll just start running through these recommendations with your super and the changes that I'd like to make for perfect.","start":780.73004,"end":793.40497,"sentiment":"neutral","sentiment_score":0.22953997696599654},{"text":"Sorry.","start":793.70496,"end":793.945,"sentiment":"neutral","sentiment_score":-0.06764756143093109},{"text":"If I start to lose my voice, I do apologize.","start":793.945,"end":795.96497,"sentiment":"neutral","sentiment_score":-0.28860618025064466},{"text":"So this one here is for yourself, Colin.","start":798.745,"end":800.505,"sentiment":"neutral","sentiment_score":0.03244346473366022}],"sentiment":"neutral","sentiment_score":0.08711742383300089,"num_words":51,"start":779.85004,"end":800.505},{"sentences":[{"text":"So at the moment within your portfolio, I had a look at your super.","start":800.505,"end":803.88495,"sentiment":"neutral","sentiment_score":0.14346668337072646},{"text":"I am recommending you both stay within hub twenty four.","start":804.38,"end":807.02,"sentiment":"neutral","sentiment_score":0.2858818158507347},{"text":"I did look at hub twenty four as well as the other super funds out there to make sure that everything was working, that you were in a good place.","start":807.02,"end":813.44,"sentiment":"positive","sentiment_score":0.39946288069089253},{"text":"Hub twenty four is still a very appropriate super fund for you.","start":813.82,"end":817.52,"sentiment":"positive","sentiment_score":0.5588041245937347},{"text":"With your portfolio, I had noticed that one of your investments has been underperforming a little bit, so I wanted to make some changes to your portfolio to make sure things are always working harder, especially at this point in your life.","start":817.815,"end":828.955,"sentiment":"neutral","sentiment_score":-0.07678511259811265}],"sentiment":"neutral","sentiment_score":0.18825845289285537,"num_words":108,"start":800.505,"end":828.955},{"sentences":[{"text":"So I will be selling off the bank hybrid.","start":829.735,"end":832.235,"sentiment":"neutral","sentiment_score":-0.08059930304686229},{"text":"While these are more of a defensive investment, they are actually being phased out by the government in around about 2028.","start":833.06,"end":839.94,"sentiment":"neutral","sentiment_score":-0.1890631185046264},{"text":"So we are best to try remove them out of your portfolio now whilst we are looking to make changes rather than holding off and doing it down track when we have no option but to do it quickly.","start":839.94,"end":851.21497,"sentiment":"neutral","sentiment_score":-0.12416712791682818},{"text":"So selling off the bank hybrids for you and removing that one.","start":851.675,"end":855.21497,"sentiment":"neutral","sentiment_score":0.022869199824829895},{"text":"Global agriculture has been a great place to be invested over the past.","start":855.595,"end":859.27496,"sentiment":"positive","sentiment_score":0.34817990775291735}],"sentiment":"neutral","sentiment_score":-0.050398595809460954,"num_words":94,"start":829.735,"end":859.27496},{"sentences":[{"text":"However, I have found some other opportunities and wanna start removing that out of your portfolio.","start":859.27496,"end":863.855,"sentiment":"neutral","sentiment_score":0.13707429636269808},{"text":"Has been a bit volatile this year.","start":864.47003,"end":866.25,"sentiment":"neutral","sentiment_score":-0.32500505447387695},{"text":"So we're gonna sell all the global agriculture off.","start":866.39,"end":869.29004,"sentiment":"neutral","sentiment_score":-0.2083515226840973},{"text":"Physical gold, we'll keep that in there, but we you've had some really great growth.","start":869.75,"end":874.31,"sentiment":"neutral","sentiment_score":0.14564909959832828},{"text":"The physical gold is essentially at a thirty year high.","start":874.31,"end":877.03,"sentiment":"neutral","sentiment_score":0.07274575605988502}],"sentiment":"neutral","sentiment_score":0.016757608963209287,"num_words":57,"start":859.27496,"end":877.03},{"sentences":[{"text":"We have seen some ups and downs this year.","start":877.03,"end":879.475,"sentiment":"neutral","sentiment_score":-0.1719910336865319},{"text":"In February, we saw a massive 18% drop in one day, and then in the recent weeks, it has had a little bit of a pullback.","start":879.475,"end":886.675,"sentiment":"neutral","sentiment_score":-0.22676985137737715},{"text":"But, essentially, overall, your physical gold exposure is up, So we just wanna cement some of the gains you've received and spread those across your portfolio a bit more and bring back the level of physical gold so that you're not overexposed to any one particular area.","start":886.675,"end":902.79004,"sentiment":"positive","sentiment_score":0.49189341940144277},{"text":"Okay?","start":903.09,"end":903.59,"sentiment":"neutral","sentiment_score":0.18242168426513672},{"text":"Cybersecurity has been a bit up and down with everything that's been going off between The US and Iran this year.","start":905.08496,"end":910.445,"sentiment":"neutral","sentiment_score":-0.3180261559429623}],"sentiment":"neutral","sentiment_score":0.0882589200225014,"num_words":104,"start":877.03,"end":910.445},{"sentences":[{"text":"Cybersecurity has had a bit of a sell, especially the tech side of things.","start":910.445,"end":914.385,"sentiment":"neutral","sentiment_score":-0.27125932595559527},{"text":"Europe got about 7% at the moment.","start":915.08496,"end":917.485,"sentiment":"neutral","sentiment_score":0.024231567978858948},{"text":"We only wanna hold about 5% there, so we're gonna sell some of that off and cement some of the gains and move that into some other areas for you as well.","start":917.485,"end":926.72,"sentiment":"neutral","sentiment_score":0.20858886116184294},{"text":"The S and P 500, we've got 500 companies within The US there.","start":929.57996,"end":934.395,"sentiment":"neutral","sentiment_score":0.09323181125980157},{"text":"You've got a bit over 30% there at the moment.","start":934.395,"end":936.555,"sentiment":"neutral","sentiment_score":0.16999753788113595}],"sentiment":"neutral","sentiment_score":0.07840556440580833,"num_words":76,"start":910.445,"end":936.555},{"sentences":[{"text":"We wanna keep about 30%.","start":936.555,"end":938.395,"sentiment":"neutral","sentiment_score":0.2296580821275711},{"text":"We will be buying a bit more of that because when you look at your exposure now to what the portfolio needs to look like once we've done the changes, we'll just need to purchase a bit over 6,000 of that.","start":938.395,"end":949.68,"sentiment":"neutral","sentiment_score":0.1369675561422255},{"text":"There has been a lot of concern about The US with what's been going on, but, realistically, US markets are still performing very, very well.","start":950.16,"end":959.2,"sentiment":"neutral","sentiment_score":-0.022122246623039247},{"text":"They've had a lot of volatility, but we still get good returns.","start":959.2,"end":962.1,"sentiment":"neutral","sentiment_score":0.10003076524784167},{"text":"Yeah.","start":962.24,"end":962.48,"sentiment":"neutral","sentiment_score":0.05681109428405762}],"sentiment":"neutral","sentiment_score":0.08890576576370568,"num_words":84,"start":936.555,"end":962.48},{"sentences":[{"text":"Sorry.","start":962.48,"end":962.98,"sentiment":"neutral","sentiment_score":-0.007113717496395111},{"text":"Yep.","start":970.965,"end":971.465,"sentiment":"neutral","sentiment_score":0.16160129010677338},{"text":"Absolutely.","start":978.02,"end":978.52,"sentiment":"neutral","sentiment_score":0.21552297472953796},{"text":"Yeah.","start":978.98004,"end":979.48004,"sentiment":"neutral","sentiment_score":0.216604083776474},{"text":"And the thing I like about the this this like, the S and P 500 or the iShares S and P 500 is that it tracks the 500 top the sorry.","start":979.62006,"end":987.54004,"sentiment":"neutral","sentiment_score":0.28768908448757663}],"sentiment":"neutral","sentiment_score":0.2715707500066076,"num_words":35,"start":962.48,"end":987.54004},{"sentences":[{"text":"The top 500 companies in The US.","start":987.54004,"end":989.535,"sentiment":"neutral","sentiment_score":0.16914847918919154},{"text":"And at any one time, it can have anywhere between five hundred and five hundred and twenty companies and essentially attract the S and P 500 index.","start":990.095,"end":998.435,"sentiment":"neutral","sentiment_score":0.2094880094130834},{"text":"So for a company to be in that index, they actually have to meet a certain criteria.","start":998.57495,"end":1003.235,"sentiment":"neutral","sentiment_score":0.18755557366153774},{"text":"The makers of the index or the investment committee for the indices, they actually meet every quarter, and they determine what companies are eligible to be in there and which contract to be moved.","start":1004.37,"end":1014.61005,"sentiment":"neutral","sentiment_score":0.036632797352093106},{"text":"So when companies are removed out, other companies are replaced.","start":1014.61005,"end":1018.035,"sentiment":"neutral","sentiment_score":0.018855775985866786}],"sentiment":"neutral","sentiment_score":0.12066034979530071,"num_words":95,"start":987.54004,"end":1018.035},{"sentences":[{"text":"So you are always tracking the top 500 companies in The US, which is which is a benefit to you.","start":1018.035,"end":1023.795,"sentiment":"neutral","sentiment_score":0.0802584145218134},{"text":"Yeah.","start":1023.795,"end":1024.275,"sentiment":"neutral","sentiment_score":0.09321901202201845},{"text":"Yeah.","start":1024.275,"end":1024.775,"sentiment":"neutral","sentiment_score":0.05124222859740257},{"text":"Excellent.","start":1026.755,"end":1027.255,"sentiment":"positive","sentiment_score":0.49546146392822266},{"text":"We've got the beta shares Raffy a 200 in there tracking 200 of the top companies on the Australian market.","start":1027.715,"end":1034.57,"sentiment":"neutral","sentiment_score":0.1738738313317299}],"sentiment":"neutral","sentiment_score":0.1330829679446165,"num_words":43,"start":1018.035,"end":1034.57},{"sentences":[{"text":"That has been a great investment, but it is quite an expensive investment to hold.","start":1035.19,"end":1039.03,"sentiment":"neutral","sentiment_score":-0.06318918367226918},{"text":"So we are looking to remove that out of the portfolio just to make sure that we can limit costs for you.","start":1039.03,"end":1046.265,"sentiment":"neutral","sentiment_score":-0.0257996679707007},{"text":"One of the big things I wanted to look at was investment costs.","start":1046.265,"end":1049.625,"sentiment":"neutral","sentiment_score":-0.02435003908780905},{"text":"If I can reduce fees in your portfolio, that means that more money stays invested to you guys compounding towards your retirement.","start":1049.625,"end":1056.925,"sentiment":"neutral","sentiment_score":0.11117006042464213},{"text":"So I'm gonna remove that one out of there.","start":1057.0651,"end":1059.885,"sentiment":"neutral","sentiment_score":-0.058834795322683126}],"sentiment":"neutral","sentiment_score":0.0010400890476173824,"num_words":81,"start":1035.19,"end":1059.885},{"sentences":[{"text":"The Bennelong Australian Equities, this investment has started underperforming pretty heavily, so I have made a decision to remove that from the investment.","start":1060.22,"end":1068.9601,"sentiment":"neutral","sentiment_score":-0.14468809735515845},{"text":"So Bennelong was originally put in everyone's portfolio because it's investment.","start":1069.1,"end":1075.625,"sentiment":"neutral","sentiment_score":-0.02797121296382763},{"text":"So, essentially, the investment committee within Bennelong are trying to buy and sell and outperform against the market, but they haven't been able to do so.","start":1076.245,"end":1084.425,"sentiment":"neutral","sentiment_score":-0.046209201897279575},{"text":"In a sense, they have been a bit up and down since 2020.","start":1084.805,"end":1087.925,"sentiment":"neutral","sentiment_score":-0.26402463248142827},{"text":"So now I sorta had a really good look at things this year.","start":1087.925,"end":1091.22,"sentiment":"neutral","sentiment_score":-0.038700617563266024}],"sentiment":"neutral","sentiment_score":-0.1020043846707098,"num_words":86,"start":1060.22,"end":1091.22},{"sentences":[{"text":"They've underperformed very heavily.","start":1091.22,"end":1092.98,"sentiment":"neutral","sentiment_score":-0.027406634762883186},{"text":"They've had a few issues, which meant that Benelongs had to be revalued, and the value that they act that the market actually saw them at was heavily lower than where they were this time last year.","start":1092.98,"end":1104.605,"sentiment":"neutral","sentiment_score":-0.2790323290470484},{"text":"So I've made a decision to remove that out of your portfolio.","start":1105.225,"end":1108.125,"sentiment":"neutral","sentiment_score":-0.1711436261733373},{"text":"We did have the option of holding it and waiting for it to come back, but with the issues that Benelon have had within their portfolio and the fact that they haven't made any changes in the investment there just sort of shows that I don't think they're gonna come back.","start":1108.505,"end":1121.8999,"sentiment":"neutral","sentiment_score":-0.269812194740071},{"text":"I've had a look at everything.","start":1121.8999,"end":1123.1799,"sentiment":"neutral","sentiment_score":-0.07764584136505921}],"sentiment":"neutral","sentiment_score":-0.2428531200709668,"num_words":110,"start":1091.22,"end":1123.1799},{"sentences":[{"text":"I think they're gonna stay low for too long, and I don't think you have the time to wait for that to come back and and provide gains again.","start":1123.1799,"end":1130.94,"sentiment":"negative","sentiment_score":-0.4264579949707821},{"text":"So it's best to remove that now.","start":1130.94,"end":1132.96,"sentiment":"neutral","sentiment_score":-0.3272205037730081},{"text":"We'll cement the losses, and we'll put something else in its place and get that portfolio working a bit harder for you.","start":1133.1,"end":1139.465,"sentiment":"negative","sentiment_score":-0.36081762611866},{"text":"Okay?","start":1139.465,"end":1139.965,"sentiment":"neutral","sentiment_score":-0.028026938438415527},{"text":"Excellent.","start":1140.985,"end":1141.485,"sentiment":"positive","sentiment_score":0.5876263380050659}],"sentiment":"negative","sentiment_score":-0.36727022926012676,"num_words":60,"start":1123.1799,"end":1141.485},{"sentences":[{"text":"We've got the ClearBridge infrastructure fund.","start":1142.4249,"end":1144.505,"sentiment":"neutral","sentiment_score":0.2788361931840579},{"text":"This is more as an alternative sort of investment.","start":1144.505,"end":1147.065,"sentiment":"neutral","sentiment_score":0.25439834429158104},{"text":"It's good for income producing, but it is focused on an infrastructure.","start":1147.065,"end":1150.4701,"sentiment":"neutral","sentiment_score":0.3223757669329643},{"text":"We are gonna remove that from the portfolio as well.","start":1150.93,"end":1153.4901,"sentiment":"neutral","sentiment_score":0.10216859951615334},{"text":"It's more of a themed investment.","start":1153.4901,"end":1154.93,"sentiment":"neutral","sentiment_score":0.19007200251022974}],"sentiment":"neutral","sentiment_score":0.23240068537551303,"num_words":43,"start":1142.4249,"end":1154.93},{"sentences":[{"text":"The idea is to try and get additional growth with having that in there.","start":1154.93,"end":1158.2301,"sentiment":"neutral","sentiment_score":0.32149370121104376},{"text":"I've decided to remove that out and find a cheaper investment for you, still keeping exposure, but also making sure we're looking at diversification to lower overall risk of your portfolio.","start":1158.6901,"end":1169.885,"sentiment":"neutral","sentiment_score":0.22459192093341582},{"text":"So ClearBridge has done very well in the past, and we just decided it's worth removing now and cementing those gains and putting them into other areas as to where we see changes in the market moving forward for you.","start":1170.105,"end":1183.5,"sentiment":"positive","sentiment_score":0.4068536251783371},{"text":"So once we kind of sell all those investments and buy a bit more of the S and P 500, you'll essentially see your portfolio with 10 physical gold, 5% in cybersecurity, 30% in the S and P 500, and then we're also gonna purchase 8% into Europe.","start":1184.28,"end":1200.995,"sentiment":"neutral","sentiment_score":0.1920908926986158},{"text":"So it's giving you exposure into the top into all 16 European countries.","start":1200.995,"end":1205.015,"sentiment":"neutral","sentiment_score":0.23673374607012823}],"sentiment":"neutral","sentiment_score":0.27421443781828225,"num_words":146,"start":1154.93,"end":1205.015},{"sentences":[{"text":"We'll hold 8% there.","start":1205.39,"end":1207.01,"sentiment":"neutral","sentiment_score":0.14908678829669952},{"text":"5% in Japan to give you some Japanese exposure.","start":1207.2301,"end":1210.29,"sentiment":"neutral","sentiment_score":0.06667981007032925},{"text":"The all world ex US, so 8% of this investment, this is spreading diversification across the entire globe minus The US market, and that's because we have the S and P 500 above there.","start":1211.15,"end":1223.525,"sentiment":"neutral","sentiment_score":0.08476293311618707},{"text":"So one of the best ways to mitigate risk is to diversify, not just across one or two or three different countries, but across the entire globe.","start":1223.525,"end":1232.025,"sentiment":"neutral","sentiment_score":0.1825413218250981},{"text":"That means you're essentially buying into not only well established markets, but also some up and coming markets as well to give you greater diversification and overall risk mitigation.","start":1232.33,"end":1243.07,"sentiment":"neutral","sentiment_score":0.28101038932800293}],"sentiment":"neutral","sentiment_score":0.16656623446174618,"num_words":103,"start":1205.39,"end":1243.07},{"sentences":[{"text":"Okay?","start":1243.61,"end":1244.11,"sentiment":"neutral","sentiment_score":0.13196730613708496},{"text":"Because we're removing the Raffy and the Benelong Australian equities, we still wanna hold Australian exposure, so we're buying into the beta shares a 200.","start":1245.895,"end":1254.475,"sentiment":"neutral","sentiment_score":0.0700419345870614},{"text":"This one here gives you exposure to the top 200 companies on Australian market.","start":1255.0951,"end":1260.0,"sentiment":"neutral","sentiment_score":0.2756215663892882},{"text":"It's more of a passively managed investment, so it's lower costing, lower risk, and gives you greater diversification into the Australian market, which is really beneficial, and we wanna hold 20% there total of that investment for you.","start":1260.54,"end":1273.995,"sentiment":"positive","sentiment_score":0.5379986919854817},{"text":"Okay?","start":1273.995,"end":1274.495,"sentiment":"neutral","sentiment_score":0.15138712525367737}],"sentiment":"positive","sentiment_score":0.3333804433033625,"num_words":79,"start":1243.61,"end":1274.495},{"sentences":[{"text":"And because we're looking at the your growth portfolio, we still wanna hold some defensive low risk investments, and we are removing those bank hybrids.","start":1275.915,"end":1284.655,"sentiment":"neutral","sentiment_score":0.12943412452936173},{"text":"We're going to put 14% into core composite funds.","start":1284.9551,"end":1288.975,"sentiment":"neutral","sentiment_score":0.18557162748442757},{"text":"So this is giving you access to government and corporate bonds.","start":1289.25,"end":1293.1901,"sentiment":"neutral","sentiment_score":0.2568665864792737},{"text":"Bonds are really good for income producing.","start":1293.73,"end":1295.91,"sentiment":"positive","sentiment_score":0.5566272480147225},{"text":"Essentially, you're putting money into the bond, which is used for debt.","start":1296.13,"end":1299.97,"sentiment":"neutral","sentiment_score":0.19270764539639154}],"sentiment":"neutral","sentiment_score":0.2178189483238384,"num_words":64,"start":1275.915,"end":1299.97},{"sentences":[{"text":"So companies and the government use these to a lend out money or to, you know, company use it for in building their own kind of in within the company, so growing the company, essentially, and you get income payments.","start":1299.97,"end":1314.395,"sentiment":"neutral","sentiment_score":0.1743798665702343},{"text":"So you'll see for the bonds like term deposits.","start":1314.535,"end":1318.4501,"sentiment":"neutral","sentiment_score":0.13181250294049582},{"text":"Essentially, you're putting money into a term deposit within the bank.","start":1318.51,"end":1321.63,"sentiment":"neutral","sentiment_score":0.11299534074284813},{"text":"The bank is using that money to lend out to its lenders for home loans and personal loans.","start":1321.63,"end":1326.99,"sentiment":"neutral","sentiment_score":0.1309642849697007},{"text":"And because that money is then being lent on, they're giving you an interest rate on a regular basis, whether it be monthly, quarterly, or at the end of the year.","start":1326.99,"end":1335.885,"sentiment":"neutral","sentiment_score":0.1341037831960186}],"sentiment":"neutral","sentiment_score":0.1460461499630858,"num_words":109,"start":1299.97,"end":1335.885},{"sentences":[{"text":"Bonds are exactly the same sort of thing.","start":1335.885,"end":1337.725,"sentiment":"neutral","sentiment_score":0.11536807380616665},{"text":"You're putting money or giving money to the company and or the government.","start":1337.725,"end":1341.005,"sentiment":"neutral","sentiment_score":0.11232421604486612},{"text":"They're utilizing that on to either build the company or to lend out.","start":1341.005,"end":1345.02,"sentiment":"neutral","sentiment_score":0.12700981188278931},{"text":"And because that money is being used and making them money, you're essentially receiving an income payment for doing so.","start":1345.5,"end":1352.54,"sentiment":"neutral","sentiment_score":0.19154891446232797},{"text":"And they called these attend these are paid on a monthly basis into your cash account, And all the bonds are in there.","start":1352.54,"end":1362.355,"sentiment":"neutral","sentiment_score":0.10249447644404742}],"sentiment":"neutral","sentiment_score":0.13276153507751304,"num_words":77,"start":1335.885,"end":1362.355},{"sentences":[{"text":"They're all, like, triple a bonds.","start":1362.355,"end":1363.875,"sentiment":"neutral","sentiment_score":0.17262026419242224},{"text":"They're government corporate funds.","start":1363.875,"end":1365.235,"sentiment":"neutral","sentiment_score":0.13994771242141724},{"text":"They also have some notes and things in there as well.","start":1365.235,"end":1368.755,"sentiment":"neutral","sentiment_score":0.21303397552533584},{"text":"So it's a really great defensive investment.","start":1368.755,"end":1370.855,"sentiment":"positive","sentiment_score":0.6136459367615836},{"text":"It's good for income producing there for you.","start":1370.915,"end":1373.0751,"sentiment":"positive","sentiment_score":0.6711244359612465}],"sentiment":"positive","sentiment_score":0.3778723114066654,"num_words":36,"start":1362.355,"end":1373.0751},{"sentences":[{"text":"I'm sorry.","start":1373.0751,"end":1373.395,"sentiment":"neutral","sentiment_score":-0.08107082173228264},{"text":"They do get a bit complex, so I try to keep it as simple as possible.","start":1373.395,"end":1376.83,"sentiment":"neutral","sentiment_score":-0.08578545530326664},{"text":"But if you do if you do have more questions, I can go a lot more deeper for you.","start":1377.45,"end":1381.85,"sentiment":"neutral","sentiment_score":0.03774603083729744},{"text":"It's just not everyone's that interested.","start":1381.85,"end":1383.55,"sentiment":"neutral","sentiment_score":-0.06995695953567822},{"text":"Excellent.","start":1386.89,"end":1387.39,"sentiment":"positive","sentiment_score":0.5973634719848633}],"sentiment":"neutral","sentiment_score":-0.014543468809940598,"num_words":44,"start":1373.0751,"end":1387.39},{"sentences":[{"text":"Excellent.","start":1387.69,"end":1388.19,"sentiment":"positive","sentiment_score":0.558336615562439},{"text":"All good.","start":1388.57,"end":1389.31,"sentiment":"positive","sentiment_score":0.44427643716335297},{"text":"So that's essentially where you'll see your portfolio alterations at the moment.","start":1389.9951,"end":1394.255,"sentiment":"neutral","sentiment_score":0.09394057871152957},{"text":"We have noticed that this year, there does need to be some changes to the portfolio, and it's really good to have these changes every now and then.","start":1394.635,"end":1401.45,"sentiment":"neutral","sentiment_score":0.09729879203119449},{"text":"Essentially, investments that are put in your portfolio one, two, three, or even five years ago do need to be updated every so often.","start":1402.01,"end":1410.49,"sentiment":"neutral","sentiment_score":0.0315864912311857}],"sentiment":"neutral","sentiment_score":0.09039728956491645,"num_words":67,"start":1387.69,"end":1410.49},{"sentences":[{"text":"Sorry.","start":1410.49,"end":1410.99,"sentiment":"neutral","sentiment_score":-0.010466150939464567},{"text":"Because markets change, trends change, and some investments do better than others as well.","start":1411.5299,"end":1417.185,"sentiment":"neutral","sentiment_score":0.008666644804179668},{"text":"So it's always good to keep things working as hard as possible and updating your portfolio when we need to.","start":1417.185,"end":1423.365,"sentiment":"neutral","sentiment_score":0.05321730133146048},{"text":"Okay?","start":1423.425,"end":1423.925,"sentiment":"neutral","sentiment_score":0.020355001091957092},{"text":"Excellent.","start":1424.9451,"end":1425.4451,"sentiment":"neutral","sentiment_score":0.19037318229675293}],"sentiment":"neutral","sentiment_score":0.037457867198296496,"num_words":37,"start":1410.49,"end":1425.4451},{"sentences":[{"text":"On the next page there, Colin, you'll see that you've got a cash account.","start":1426.385,"end":1429.8301,"sentiment":"neutral","sentiment_score":0.05756941943296364},{"text":"So at the moment within Hub twenty four, your cash account is around about 3.4%.","start":1429.8301,"end":1435.29,"sentiment":"neutral","sentiment_score":0.02857273941238721},{"text":"We only really wanna hold a minimum cash in our cash account because you actually don't make anything from a cash account.","start":1436.0701,"end":1442.09,"sentiment":"neutral","sentiment_score":-0.004286413927647201},{"text":"It tends to cost you money.","start":1442.23,"end":1443.93,"sentiment":"neutral","sentiment_score":-0.02014047248909871},{"text":"So you have about 13,000 there at the moment.","start":1444.355,"end":1446.675,"sentiment":"neutral","sentiment_score":0.013774314170910252}],"sentiment":"neutral","sentiment_score":0.0173240583248888,"num_words":66,"start":1426.385,"end":1446.675},{"sentences":[{"text":"We wanna invest about 8,388 and 81¢ just to bring it down to the minimum 1.25 requirement there.","start":1446.675,"end":1454.375,"sentiment":"neutral","sentiment_score":0.059230947757468504},{"text":"Okay?","start":1454.435,"end":1454.935,"sentiment":"neutral","sentiment_score":0.04717358946800232},{"text":"Excellent.","start":1456.115,"end":1456.615,"sentiment":"neutral","sentiment_score":0.2665550112724304},{"text":"Yeah.","start":1457.13,"end":1457.63,"sentiment":"neutral","sentiment_score":0.22605277597904205},{"text":"Beautiful.","start":1458.0901,"end":1458.5901,"sentiment":"positive","sentiment_score":0.3516404628753662}],"sentiment":"neutral","sentiment_score":0.0903975214986574,"num_words":22,"start":1446.675,"end":1458.5901},{"sentences":[{"text":"If you scroll down to page number 22, this shows you the reasoning that we're making those changes for you.","start":1459.05,"end":1466.27,"sentiment":"neutral","sentiment_score":0.15097011663019658},{"text":"Perfect.","start":1470.265,"end":1470.765,"sentiment":"neutral","sentiment_score":0.17517893016338348},{"text":"Sorry.","start":1470.985,"end":1471.485,"sentiment":"neutral","sentiment_score":0.026721317321062088},{"text":"So the the the fee comparison table then shows your current portfolio within hub twenty four, your current balance there, your administration fees, investment fees, your ongoing service fee for having us look looking after everything for you, your contributions going in, and your insurance premiums currently.","start":1472.345,"end":1489.7301,"sentiment":"neutral","sentiment_score":0.10011778066449976},{"text":"You've also got that you're currently in the growth portfolio.","start":1490.51,"end":1493.0901,"sentiment":"neutral","sentiment_score":0.06169393733143806}],"sentiment":"neutral","sentiment_score":0.10814908410929426,"num_words":79,"start":1459.05,"end":1493.0901},{"sentences":[{"text":"The current growth portfolio is averaged about 9.78%, which is by no means bad in any way, shape, or form, but we want things to be working as hard as possible.","start":1493.79,"end":1503.705,"sentiment":"neutral","sentiment_score":0.11524491456727828},{"text":"So by making the changes, that newer portfolio has averaged 11.57%.","start":1504.245,"end":1510.025,"sentiment":"positive","sentiment_score":0.4302380139177496},{"text":"So it can, if it gets this kind of return moving forward, put you in a much greater position moving forward because it's achieved a better past performance over the past five years.","start":1510.085,"end":1520.16,"sentiment":"positive","sentiment_score":0.6537702164866708},{"text":"The other thing we do have to take into account is, as part of the research, is capital gains consequences.","start":1521.66,"end":1527.04,"sentiment":"neutral","sentiment_score":0.1010517280548811},{"text":"So just like you guys, your super fund does a tax return every single year.","start":1527.34,"end":1531.9951,"sentiment":"neutral","sentiment_score":0.15153086930513382}],"sentiment":"neutral","sentiment_score":0.31066932044923307,"num_words":110,"start":1493.79,"end":1531.9951},{"sentences":[{"text":"They do pay income tax, and they pay capital gains tax on investment switches and buying and selling as well.","start":1532.2151,"end":1538.2351,"sentiment":"neutral","sentiment_score":0.13539041243493558},{"text":"The the expected CGP for the changes is $2,092, so your super fund would account for that after it completes the switch.","start":1539.015,"end":1548.07,"sentiment":"neutral","sentiment_score":0.14214681258255785},{"text":"The benefits to doing this is that it does reduce your admin fees just slightly.","start":1549.33,"end":1554.87,"sentiment":"positive","sentiment_score":0.5532551089922587},{"text":"So it does save about $310 of administration fees by making these changes.","start":1555.01,"end":1561.035,"sentiment":"positive","sentiment_score":0.481543983404453},{"text":"And then it also the biggest seller is that it actually saves you $1,200 on investment fees.","start":1561.495,"end":1567.5751,"sentiment":"positive","sentiment_score":0.5142567788853365}],"sentiment":"positive","sentiment_score":0.33490002052537327,"num_words":87,"start":1532.2151,"end":1567.5751},{"sentences":[{"text":"So this newer portfolio performs better, but it's also a much cheaper portfolio for you.","start":1567.5751,"end":1572.9551,"sentiment":"positive","sentiment_score":0.5244398792584737},{"text":"Yeah.","start":1574.22,"end":1574.62,"sentiment":"neutral","sentiment_score":0.250572144985199},{"text":"Not bad.","start":1574.62,"end":1575.36,"sentiment":"neutral","sentiment_score":0.29182852804660797},{"text":"Excellent.","start":1577.34,"end":1577.84,"sentiment":"positive","sentiment_score":0.4813580214977264},{"text":"If you scroll to the next page, you'll see the projection table there.","start":1578.9401,"end":1582.38,"sentiment":"neutral","sentiment_score":0.16082468514259046}],"sentiment":"positive","sentiment_score":0.35227832244709134,"num_words":32,"start":1567.5751,"end":1582.38},{"sentences":[{"text":"So we know projection tables, and I like to be honest, they are just a projection table based on all the factors that you see in the top table there.","start":1582.38,"end":1590.645,"sentiment":"neutral","sentiment_score":0.18732566237449647},{"text":"If the portfolio is able to achieve that 11% on a yearly basis over the next five to six years, this is essentially where you could see your super ending up.","start":1590.645,"end":1600.185,"sentiment":"neutral","sentiment_score":0.32354443111727316},{"text":"Okay?","start":1600.42,"end":1600.92,"sentiment":"neutral","sentiment_score":0.14170600473880768},{"text":"Perfect.","start":1602.18,"end":1602.68,"sentiment":"positive","sentiment_score":0.4795529246330261},{"text":"Do you have any questions so far?","start":1603.3,"end":1604.98,"sentiment":"neutral","sentiment_score":0.16732615445341384}],"sentiment":"neutral","sentiment_score":0.24917413209165845,"num_words":70,"start":1582.38,"end":1604.98},{"sentences":[{"text":"You're welcome to ask me anything you like thus far.","start":1604.98,"end":1608.2,"sentiment":"neutral","sentiment_score":0.20986640453338623},{"text":"Yep.","start":1610.5,"end":1610.9,"sentiment":"neutral","sentiment_score":0.19852417707443237},{"text":"Beautiful.","start":1610.9,"end":1611.4,"sentiment":"positive","sentiment_score":0.4040333032608032},{"text":"If you go to page number 24, Deborah, I've got yours for you now to make it easier.","start":1611.9401,"end":1617.765,"sentiment":"neutral","sentiment_score":0.22186601079172558},{"text":"Beautiful.","start":1620.225,"end":1620.725,"sentiment":"positive","sentiment_score":0.508563756942749}],"sentiment":"neutral","sentiment_score":0.23236688635041636,"num_words":31,"start":1604.98,"end":1620.725},{"sentences":[{"text":"I'll go a bit easier through the investments because we've kinda gone through and explained a lot of them.","start":1621.345,"end":1625.745,"sentiment":"positive","sentiment_score":0.3356940354171552},{"text":"You did have a lot of the same.","start":1625.745,"end":1627.525,"sentiment":"neutral","sentiment_score":0.06032386585138738},{"text":"Yeah.","start":1628.0599,"end":1628.5599,"sentiment":"neutral","sentiment_score":0.07517658174037933},{"text":"Yeah.","start":1628.78,"end":1629.28,"sentiment":"neutral","sentiment_score":0.0809403508901596},{"text":"Yeah.","start":1629.34,"end":1629.84,"sentiment":"neutral","sentiment_score":0.0793018639087677}],"sentiment":"neutral","sentiment_score":0.2365398798758785,"num_words":30,"start":1621.345,"end":1629.84},{"sentences":[{"text":"So, essentially, again, just selling off the bank hybrid there and the global agriculture, you had about 14.93% physical goals.","start":1630.3,"end":1638.46,"sentiment":"neutral","sentiment_score":0.12782894875854253},{"text":"So just bringing you back to 10%, cementing some of those gains.","start":1638.46,"end":1642.0,"sentiment":"positive","sentiment_score":0.574789248406887},{"text":"With the cybersecurity, about 7% there at the moment, so just selling that back to five percent total for you.","start":1642.7451,"end":1649.3251,"sentiment":"neutral","sentiment_score":0.2628570146858692},{"text":"And you've got a little bit low on the S and P 500, so we wanna increase that to 30% from '28.","start":1649.7051,"end":1656.665,"sentiment":"neutral","sentiment_score":0.24317826262929224},{"text":"So a bit over 9,000 of the purchase into there for you.","start":1656.665,"end":1661.28,"sentiment":"neutral","sentiment_score":0.2989647351205349}],"sentiment":"neutral","sentiment_score":0.2749847540588573,"num_words":86,"start":1630.3,"end":1661.28},{"sentences":[{"text":"We're also removing the Raffi and the Benelong Estate in Equities investment, and then also the ClearBridge infrastructure.","start":1661.58,"end":1668.08,"sentiment":"neutral","sentiment_score":0.13630900407830873},{"text":"Again, we'll just sell all of that down for you.","start":1668.22,"end":1670.72,"sentiment":"neutral","sentiment_score":0.32373500168323516},{"text":"And then we'll invest you the same way.","start":1670.935,"end":1672.6951,"sentiment":"neutral","sentiment_score":0.24188771657645702},{"text":"So 8% in the European exposure, 5% in Japan, 8% with the all world index, and then the sorry.","start":1672.6951,"end":1681.495,"sentiment":"neutral","sentiment_score":0.2680782526731491},{"text":"20% into the Australian 214% of the core composite bonds as well for you.","start":1681.495,"end":1687.51,"sentiment":"neutral","sentiment_score":0.31459011350359234}],"sentiment":"neutral","sentiment_score":0.2481704668506332,"num_words":69,"start":1661.58,"end":1687.51},{"sentences":[{"text":"So you guys will have a very much the same sort of portfolio, which is fantastic.","start":1687.51,"end":1691.93,"sentiment":"positive","sentiment_score":0.667714811861515},{"text":"Your cash at the moment is about the same.","start":1693.67,"end":1696.39,"sentiment":"neutral","sentiment_score":0.31323165198167163},{"text":"So you've got about 3.40%, which is about $13,000 there.","start":1696.39,"end":1701.415,"sentiment":"neutral","sentiment_score":0.264636355638504},{"text":"So, again, about 8,000 is just gonna be invested to bring you back to the minimum cash account there.","start":1701.415,"end":1707.035,"sentiment":"neutral","sentiment_score":0.26427330939393295},{"text":"Okay.","start":1707.095,"end":1707.595,"sentiment":"neutral","sentiment_score":0.03241247683763504}],"sentiment":"positive","sentiment_score":0.3854998321695761,"num_words":55,"start":1687.51,"end":1707.595},{"sentences":[{"text":"Absolutely.","start":1712.55,"end":1713.05,"sentiment":"neutral","sentiment_score":0.04445844516158104},{"text":"Yeah.","start":1713.35,"end":1713.67,"sentiment":"neutral","sentiment_score":0.00353039987385273},{"text":"Definitely.","start":1713.67,"end":1714.17,"sentiment":"neutral","sentiment_score":0.01446562074124813},{"text":"Yeah.","start":1714.63,"end":1715.13,"sentiment":"neutral","sentiment_score":-0.02222968637943268},{"text":"I don't yeah.","start":1715.89,"end":1720.17,"sentiment":"neutral","sentiment_score":-0.1745297114054362}],"sentiment":"neutral","sentiment_score":-0.06905205068843705,"num_words":7,"start":1712.55,"end":1720.17},{"sentences":[{"text":"It it really should.","start":1722.23,"end":1723.61,"sentiment":"neutral","sentiment_score":-0.19428199902176857},{"text":"I don't know exactly why it has happened.","start":1724.15,"end":1727.375,"sentiment":"neutral","sentiment_score":-0.31581128388643265},{"text":"I've been trying to find out with house twenty four.","start":1727.9149,"end":1730.335,"sentiment":"neutral","sentiment_score":-0.2002432554960251},{"text":"No.","start":1730.715,"end":1731.215,"sentiment":"neutral","sentiment_score":-0.1136949509382248},{"text":"No.","start":1731.2749,"end":1731.5149,"sentiment":"neutral","sentiment_score":-0.1939276158809662}],"sentiment":"neutral","sentiment_score":-0.23390305787324905,"num_words":24,"start":1722.23,"end":1731.5149},{"sentences":[{"text":"I I yeah.","start":1731.5149,"end":1734.5549,"sentiment":"neutral","sentiment_score":-0.09539005408684413},{"text":"No.","start":1734.5549,"end":1734.7949,"sentiment":"neutral","sentiment_score":-0.08491392433643341},{"text":"Look.","start":1734.7949,"end":1735.0349,"sentiment":"neutral","sentiment_score":-0.020552560687065125},{"text":"I honestly do agree with you because, realistically, House 24 are supposed to be doing and running cash every sort of month.","start":1735.0349,"end":1742.4,"sentiment":"neutral","sentiment_score":-0.009593162241137841},{"text":"Around the twentieth of every month, they run the cash account, and they invest the funds.","start":1742.4,"end":1746.9,"sentiment":"neutral","sentiment_score":0.0006973166018724442}],"sentiment":"neutral","sentiment_score":-0.013756491882769867,"num_words":43,"start":1731.5149,"end":1746.9},{"sentences":[{"text":"So there's only gonna be sort of two reasons as to why because they're still being running the cash account on a regular basis.","start":1747.28,"end":1752.96,"sentiment":"neutral","sentiment_score":-0.07334117389594515},{"text":"The thing I think is what happened here is that because it's the end of the financial year, they've held a higher amount of cash to make sure they can cover the end of financial year tax things for the fund itself.","start":1752.96,"end":1764.9451,"sentiment":"neutral","sentiment_score":-0.000057213052752472105},{"text":"And then because we're a little bit out from the twenty twentieth now, they haven't quite run that again.","start":1765.3251,"end":1770.765,"sentiment":"neutral","sentiment_score":-0.16103945103915115},{"text":"So they actually had a bit of a between the June 21 to about the tenth of this month, they actually had a bit of a freeze because they had to report to the ATO and do end of financial year tax run.","start":1770.765,"end":1785.49,"sentiment":"neutral","sentiment_score":-0.19253385959323063},{"text":"And then on the July 1, between the first and July 10, they had to report back to the ATO with balances to everyone as of the June 30.","start":1785.945,"end":1793.9651,"sentiment":"neutral","sentiment_score":-0.07080085061747453}],"sentiment":"neutral","sentiment_score":-0.09652561351514546,"num_words":157,"start":1747.28,"end":1793.9651},{"sentences":[{"text":"So I think that's just kinda pushed it back a little bit for now because I did have a look at this, and it seems to be something I'm finding quite a lot of.","start":1794.1849,"end":1802.64,"sentiment":"neutral","sentiment_score":-0.2930207387270296},{"text":"And I went back and had a really good look at the fund, and I was like, they're still running the cash every month.","start":1802.64,"end":1807.2001,"sentiment":"neutral","sentiment_score":-0.12811773689463735},{"text":"I think it's end of financial year process, and it kinda held it back a little bit this time around.","start":1807.2001,"end":1812.16,"sentiment":"negative","sentiment_score":-0.3715639501810074},{"text":"So we'll just make sure that that is automatically invested for you, and we'll just make sure that they are consistently not increasing the cash that high for you.","start":1812.16,"end":1821.735,"sentiment":"neutral","sentiment_score":0.1699351372903791},{"text":"Because it is a lot of cash to hold.","start":1821.735,"end":1823.595,"sentiment":"neutral","sentiment_score":0.10811654064390394}],"sentiment":"neutral","sentiment_score":-0.12558312033270969,"num_words":116,"start":1794.1849,"end":1823.595},{"sentences":[{"text":"You wanna make sure that money is building you growth.","start":1823.895,"end":1826.135,"sentiment":"neutral","sentiment_score":0.2615092620253563},{"text":"You don't want it sitting in cash.","start":1826.135,"end":1827.735,"sentiment":"neutral","sentiment_score":-0.11905986975346293},{"text":"So yeah.","start":1827.735,"end":1829.3351,"sentiment":"neutral","sentiment_score":0.027355189435184002},{"text":"No.","start":1829.3351,"end":1829.8151,"sentiment":"neutral","sentiment_score":-0.001020107418298721},{"text":"Absolutely.","start":1829.8151,"end":1830.3151,"sentiment":"neutral","sentiment_score":0.07795922458171844}],"sentiment":"neutral","sentiment_score":0.09111062038157668,"num_words":21,"start":1823.895,"end":1830.3151},{"sentences":[{"text":"Deborah, if you can go to page number 27 for me, I've got your fee comparison table here as well.","start":1832.0399,"end":1838.14,"sentiment":"neutral","sentiment_score":0.04672977291047573},{"text":"Beautiful.","start":1839.7999,"end":1840.2999,"sentiment":"positive","sentiment_score":0.47285330295562744},{"text":"So your balance is a little bit higher at $427,000 mark.","start":1841.08,"end":1845.24,"sentiment":"neutral","sentiment_score":0.27120840414003894},{"text":"Your administration fee is currently at 1,400, and investment fees is 2,139.","start":1845.24,"end":1851.235,"sentiment":"neutral","sentiment_score":0.16048720044394335},{"text":"The adviser fee and your contributions going in, and then we've also got your insurance premium there as well.","start":1852.095,"end":1858.5149,"sentiment":"neutral","sentiment_score":0.21148631055104106}],"sentiment":"neutral","sentiment_score":0.16404488115083604,"num_words":63,"start":1832.0399,"end":1858.5149},{"sentences":[{"text":"The growth portfolio was the same, so it has been averaging 9.78% there, and the newer portfolios averaged 11.57%.","start":1859.15,"end":1867.95,"sentiment":"positive","sentiment_score":0.3812365704461148},{"text":"So that can put you in a much greater position if it's able to achieve this.","start":1867.95,"end":1871.845,"sentiment":"positive","sentiment_score":0.5110456934198737},{"text":"And I'm really honest where I know that markets do go up and down.","start":1871.845,"end":1875.0449,"sentiment":"neutral","sentiment_score":-0.044351848241473944},{"text":"So some years will get, you know, a 15 or 20% return.","start":1875.0449,"end":1878.085,"sentiment":"neutral","sentiment_score":-0.05498851587375005},{"text":"Other years, we might only get a three or four percent return.","start":1878.085,"end":1880.9049,"sentiment":"neutral","sentiment_score":-0.052742900947729744}],"sentiment":"neutral","sentiment_score":0.18502086378021598,"num_words":73,"start":1859.15,"end":1880.9049},{"sentences":[{"text":"This year is definitely a year where we have had much lower rates of return, but what we wanna do is take advantage of those downtime.","start":1881.205,"end":1887.8501,"sentiment":"neutral","sentiment_score":-0.04353506820133099},{"text":"So the years when we only get a two or 3% return or a negative return, because that definitely does happen every so often, keeping your contributions going in.","start":1887.8501,"end":1897.29,"sentiment":"neutral","sentiment_score":-0.13674283168953041},{"text":"It's a downtime.","start":1897.29,"end":1898.1901,"sentiment":"neutral","sentiment_score":-0.14515318969885507},{"text":"I'm gonna be truly honest.","start":1898.65,"end":1900.0901,"sentiment":"neutral","sentiment_score":-0.1861658900976181},{"text":"I get excited in a negative return.","start":1900.0901,"end":1902.355,"sentiment":"neutral","sentiment_score":-0.27074629281248364}],"sentiment":"neutral","sentiment_score":-0.11941381373575756,"num_words":70,"start":1881.205,"end":1902.355},{"sentences":[{"text":"I just go, woah.","start":1902.575,"end":1903.715,"sentiment":"neutral","sentiment_score":-0.2022421956062317},{"text":"We are down.","start":1903.9349,"end":1904.815,"sentiment":"neutral","sentiment_score":-0.21354675789674124},{"text":"Contributions are buying into those discounted investments.","start":1904.815,"end":1907.875,"sentiment":"neutral","sentiment_score":-0.0033270067402294706},{"text":"And when the market comes out of that downtime, we actually get greater growth from that, and it helps that compounding effect.","start":1908.335,"end":1914.4149,"sentiment":"neutral","sentiment_score":0.08520413439890201},{"text":"So as long as that downtime isn't the year before you retire or at the time you retire, we can try to take advantage of that.","start":1914.4149,"end":1922.2799,"sentiment":"neutral","sentiment_score":0.02583016584125849}],"sentiment":"neutral","sentiment_score":0.01730930911857755,"num_words":62,"start":1902.575,"end":1922.2799},{"sentences":[{"text":"And I wanna make sure that we're reducing risk so I don't so you guys don't run into that, you know, problem the year before you retire or the year that you retire.","start":1922.2799,"end":1930.7649,"sentiment":"neutral","sentiment_score":-0.06958747102004109},{"text":"Because that's when it can kind of make you really nervous.","start":1930.9049,"end":1933.4049,"sentiment":"neutral","sentiment_score":-0.27089503136548126},{"text":"Okay.","start":1933.5449,"end":1934.0449,"sentiment":"neutral","sentiment_score":0.03657635301351547},{"text":"Yep.","start":1934.985,"end":1935.485,"sentiment":"neutral","sentiment_score":0.14391332864761353},{"text":"Perfect.","start":1935.625,"end":1936.125,"sentiment":"positive","sentiment_score":0.4148521423339844}],"sentiment":"neutral","sentiment_score":-0.09959340563162844,"num_words":47,"start":1922.2799,"end":1936.125},{"sentences":[{"text":"With the recommended, it does mean for the tax liability for your fund there, Deborah, we do expect the CGT to be $2,303.","start":1937.5449,"end":1946.14,"sentiment":"neutral","sentiment_score":0.22571421835733496},{"text":"It reduces your administration fees by about $274 for the year, and it saves you $1,346 in investment fees, which fantastic.","start":1946.6001,"end":1956.835,"sentiment":"positive","sentiment_score":0.3826296599138351},{"text":"That's more money, and you're super working harder for you.","start":1956.975,"end":1959.955,"sentiment":"positive","sentiment_score":0.5215817242860794},{"text":"The balance does go down a little bit, so your adviser fee does get a little bit of a discount there.","start":1960.975,"end":1965.875,"sentiment":"neutral","sentiment_score":0.19079917882169997},{"text":"I've also, in the back end, looked to link everything together.","start":1966.095,"end":1969.83,"sentiment":"neutral","sentiment_score":0.13545057651671497}],"sentiment":"neutral","sentiment_score":0.278362863025693,"num_words":86,"start":1937.5449,"end":1969.83},{"sentences":[{"text":"So because you are both in Hub 24, and this is why I really enjoy doing this live together for you, I have to get clarification.","start":1969.83,"end":1976.65,"sentiment":"neutral","sentiment_score":0.30200030396764094},{"text":"What I would like to do is also link and the reason we're getting the discount on the admin fee is I'd like to link you both in the back end.","start":1977.4299,"end":1984.65,"sentiment":"neutral","sentiment_score":0.16792767759292357},{"text":"That way, you get a family fee linking on your super funds, which reduces your administration fees and gives you these extra discounts.","start":1984.9349,"end":1993.0349,"sentiment":"neutral","sentiment_score":0.1850009374320507},{"text":"Are you both okay with that?","start":1993.4149,"end":1995.195,"sentiment":"neutral","sentiment_score":0.0860591580470403},{"text":"Yep.","start":1996.95,"end":1997.27,"sentiment":"neutral","sentiment_score":0.2780305743217468}],"sentiment":"neutral","sentiment_score":0.20812842519632702,"num_words":87,"start":1969.83,"end":1997.27},{"sentences":[{"text":"Beautiful.","start":1997.27,"end":1997.77,"sentiment":"positive","sentiment_score":0.6020233631134033},{"text":"The other side of that is when you log in to Hub 24, once we link everything together, you'll actually both see both of your super accounts sitting there on the same the same account.","start":1998.63,"end":2008.95,"sentiment":"neutral","sentiment_score":0.09686408622988633},{"text":"Is that gonna be okay?","start":2008.95,"end":2010.1499,"sentiment":"neutral","sentiment_score":0.07385198250412942},{"text":"Do you both agree to that?","start":2010.1499,"end":2011.77,"sentiment":"neutral","sentiment_score":0.04177325529356798},{"text":"Yes.","start":2012.605,"end":2013.105,"sentiment":"neutral","sentiment_score":0.195545494556427}],"sentiment":"neutral","sentiment_score":0.10016065249995638,"num_words":48,"start":1997.27,"end":2013.105},{"sentences":[{"text":"Beautiful.","start":2014.445,"end":2014.945,"sentiment":"positive","sentiment_score":0.6200374960899353},{"text":"The other thing I wanted to ask is I do offer all of my clients that are couples the opportunity to have what's called an external third party authority on file.","start":2015.485,"end":2024.5249,"sentiment":"neutral","sentiment_score":0.09682919866135044},{"text":"So at the moment, even though you guys are together and everything will be linked up, I can only speak to each of you about your individual spaces.","start":2024.5249,"end":2032.74,"sentiment":"neutral","sentiment_score":-0.007432890656803336},{"text":"So, Colin, you can't call back Deborah's and vice versa.","start":2032.74,"end":2035.32,"sentiment":"neutral","sentiment_score":-0.04511324111372232},{"text":"If I was to get you guys to sign an external third party authority, it does mean that, say, Colin, if you're in hospital or if Deborah's in hospital or someone can't get to the phone, you have questions, either of you can call us, and we can answer questions for you on each other's super accounts and with regard to each other's information.","start":2035.5399,"end":2054.575,"sentiment":"neutral","sentiment_score":0.03544117870296759}],"sentiment":"neutral","sentiment_score":0.03903525926905976,"num_words":134,"start":2014.445,"end":2054.575},{"sentences":[{"text":"You can't transact or change anything, but it does give you, like, an option to inquire about what's happening.","start":2055.21,"end":2061.63,"sentiment":"neutral","sentiment_score":0.09823219831052579},{"text":"And it means that if someone's in hospital or something's happened, the other person can call us and give us that information, and we can liaise with them as well.","start":2061.77,"end":2069.775,"sentiment":"neutral","sentiment_score":0.08220925629138946},{"text":"Would you guys like me to organize that for you as well?","start":2069.775,"end":2072.915,"sentiment":"neutral","sentiment_score":0.08256833938260873},{"text":"Yeah.","start":2074.895,"end":2075.2148,"sentiment":"neutral","sentiment_score":0.12146344035863876},{"text":"Yep.","start":2075.2148,"end":2075.4548,"sentiment":"neutral","sentiment_score":0.11749152839183807}],"sentiment":"neutral","sentiment_score":0.08829308726957866,"num_words":63,"start":2055.21,"end":2075.4548},{"sentences":[{"text":"You're okay with that, Deborah?","start":2075.4548,"end":2076.835,"sentiment":"neutral","sentiment_score":0.11656453609466552},{"text":"Yep.","start":2078.095,"end":2078.4949,"sentiment":"neutral","sentiment_score":0.12489467114210127},{"text":"Beautiful.","start":2078.4949,"end":2078.9749,"sentiment":"positive","sentiment_score":0.4258454144001007},{"text":"I just wanna get clarification because not everyone wants it.","start":2078.9749,"end":2081.855,"sentiment":"neutral","sentiment_score":0.10397622175514698},{"text":"I do have plenty of couples that prefer to keep everything really separate, but it's just an option that you do have as well.","start":2081.855,"end":2088.5798,"sentiment":"neutral","sentiment_score":0.16773634093503156}],"sentiment":"neutral","sentiment_score":0.1511950528294575,"num_words":41,"start":2075.4548,"end":2088.5798},{"sentences":[{"text":"So I can absolutely get those organized.","start":2088.5798,"end":2091.0598,"sentiment":"positive","sentiment_score":0.45162561535835266},{"text":"My team will send them through over the next few days and just get you to sign them electronically for us to keep on file for you.","start":2091.0598,"end":2096.9,"sentiment":"neutral","sentiment_score":0.2570913307092808},{"text":"Okay?","start":2096.9,"end":2097.4,"sentiment":"neutral","sentiment_score":0.11877215653657912},{"text":"Excellent.","start":2099.625,"end":2100.125,"sentiment":"positive","sentiment_score":0.532694399356842},{"text":"At the bottom of that page, you do have your projected table there.","start":2100.985,"end":2104.345,"sentiment":"neutral","sentiment_score":0.15847371776516622}],"sentiment":"neutral","sentiment_score":0.261519798438768,"num_words":49,"start":2088.5798,"end":2104.345},{"sentences":[{"text":"So, Deborah, so long as your portfolio is able to repay me 11% on a yearly basis over the next five to seven years, you can essentially see where you're expected to be projected, give or take market conditions there as well.","start":2104.345,"end":2118.5999,"sentiment":"neutral","sentiment_score":0.28170436762628104},{"text":"So it does put you in a much greater position and does save you on fees, which is fantastic.","start":2118.5999,"end":2123.3398,"sentiment":"positive","sentiment_score":0.6716629643189279},{"text":"Okay.","start":2124.04,"end":2124.54,"sentiment":"positive","sentiment_score":0.424773633480072},{"text":"Excellent.","start":2125.885,"end":2126.365,"sentiment":"positive","sentiment_score":0.5747027397155762},{"text":"Do you have any questions or any of that at all?","start":2126.365,"end":2128.785,"sentiment":"neutral","sentiment_score":0.14149346134879373}],"sentiment":"positive","sentiment_score":0.3668795163567002,"num_words":74,"start":2104.345,"end":2128.785},{"sentences":[{"text":"No?","start":2130.4448,"end":2130.9448,"sentiment":"neutral","sentiment_score":-0.08597618341445923},{"text":"Beautiful.","start":2131.005,"end":2131.505,"sentiment":"neutral","sentiment_score":0.3095853924751282},{"text":"Page number 29 is sort of where I look at the projected outcome for you.","start":2132.525,"end":2137.325,"sentiment":"neutral","sentiment_score":0.12079545607169469},{"text":"So, essentially, with this, we are looking at about 73,000 on a yearly basis.","start":2137.325,"end":2142.97,"sentiment":"neutral","sentiment_score":0.13016546783702715},{"text":"This sort of shows that between both of your supers and this is from this age of 60.","start":2143.35,"end":2147.99,"sentiment":"neutral","sentiment_score":0.14349157280392116}],"sentiment":"neutral","sentiment_score":0.13144297776173572,"num_words":49,"start":2130.4448,"end":2147.99},{"sentences":[{"text":"I know you don't really wanna retire till a little bit later, but it does essentially show that we could draw out around about a 105,000 on a yearly basis and still have your super lasting till about age 89.","start":2147.99,"end":2165.34,"sentiment":"neutral","sentiment_score":0.16178055610507727},{"text":"So starting this at age 65 or 67 does give you further longevity.","start":2165.48,"end":2169.98,"sentiment":"neutral","sentiment_score":0.265256221477802},{"text":"I'd like to build on this for you to make sure that it's always working harder, but this kinda shows that if you decide at 60 you've had enough of working, you wanna retire earlier, it can happen.","start":2170.6,"end":2181.805,"sentiment":"positive","sentiment_score":0.3493232158453841},{"text":"It's projected that it can work for you.","start":2181.805,"end":2184.305,"sentiment":"neutral","sentiment_score":0.32028594985604286},{"text":"We just draw a little bit more out of super at the start, and then we look at age pension.","start":2184.605,"end":2189.265,"sentiment":"neutral","sentiment_score":0.09694799911230803}],"sentiment":"neutral","sentiment_score":0.23273178913137493,"num_words":119,"start":2147.99,"end":2189.265},{"sentences":[{"text":"Every time I do an advice document, I can always be updating these for you and showing you what the projected outcome is.","start":2190.7002,"end":2197.12,"sentiment":"neutral","sentiment_score":0.13830576545518378},{"text":"Essentially, what I would like to do when we kind of get to 60, depending on whether you guys choose to keep working or not, there's other strategies that we can put in place.","start":2198.3,"end":2207.595,"sentiment":"neutral","sentiment_score":0.09576075041995329},{"text":"I'm not sure if I spoke to you last time about the transition to retirement strategies, and these aren't quite available until you turn 60.","start":2207.595,"end":2215.755,"sentiment":"neutral","sentiment_score":-0.029642120450735093},{"text":"So 60 is a prime age.","start":2215.755,"end":2217.83,"sentiment":"neutral","sentiment_score":-0.009128804629047712},{"text":"I'll tell you what.","start":2217.83,"end":2218.73,"sentiment":"neutral","sentiment_score":0.03725346643477678}],"sentiment":"neutral","sentiment_score":0.06293571898308785,"num_words":92,"start":2190.7002,"end":2218.73},{"sentences":[{"text":"This sort of strategy allows you to increase your contributions into super up to the cap every year.","start":2219.9102,"end":2226.01,"sentiment":"neutral","sentiment_score":0.2284062554438909},{"text":"And then because you're at 60, we're able to draw a little bit out of super.","start":2226.87,"end":2231.295,"sentiment":"neutral","sentiment_score":0.20747868064790964},{"text":"Essentially, to give you an idea, we might increase your contribution.","start":2231.535,"end":2234.4348,"sentiment":"neutral","sentiment_score":0.11456125026399439},{"text":"To maximize the cap, we might need to put in $12,000 on a yearly basis.","start":2234.9749,"end":2238.9749,"sentiment":"neutral","sentiment_score":0.07541737904151281},{"text":"So we sell back more into your super fund.","start":2238.9749,"end":2241.635,"sentiment":"neutral","sentiment_score":0.09330822361840142}],"sentiment":"neutral","sentiment_score":0.15452434694853381,"num_words":69,"start":2219.9102,"end":2241.635},{"sentences":[{"text":"But then because that is taken out of your pay pretax, we only need realistically need to draw out, say, give or take, about 6,000 on a on a, say, a a yearly basis to supplement your income.","start":2241.9348,"end":2256.71,"sentiment":"neutral","sentiment_score":0.10742663454852606},{"text":"And the amount you draw out of super is fully tax free.","start":2256.93,"end":2260.5498,"sentiment":"neutral","sentiment_score":0.19395932431022325},{"text":"So this increases contributions in.","start":2260.695,"end":2262.855,"sentiment":"neutral","sentiment_score":0.25896783769130705},{"text":"You draw a little bit out.","start":2262.855,"end":2264.215,"sentiment":"neutral","sentiment_score":0.30749356746673584},{"text":"It helps to reduce your income tax and boost your super.","start":2264.215,"end":2267.675,"sentiment":"positive","sentiment_score":0.3433507491241802}],"sentiment":"neutral","sentiment_score":0.18508865053041113,"num_words":72,"start":2241.9348,"end":2267.675},{"sentences":[{"text":"So when you get to that point, I'll probably talk to you probably a year out just to say, hey.","start":2267.735,"end":2273.095,"sentiment":"neutral","sentiment_score":0.0757962940260768},{"text":"Are we looking at this?","start":2273.095,"end":2274.135,"sentiment":"neutral","sentiment_score":0.058371754735708235},{"text":"Do we wanna do it?","start":2274.135,"end":2275.23,"sentiment":"neutral","sentiment_score":0.0852249413728714},{"text":"We'll draw up the advice document based on your circumstances, show you how that looks like.","start":2275.31,"end":2279.97,"sentiment":"neutral","sentiment_score":0.1504341308027506},{"text":"And there's other really cool strategies that we can put into place to kind of boost super between 60 to sixty five and sixty seven to kinda give you that last little boost before you start drawing out.","start":2280.27,"end":2291.8252,"sentiment":"neutral","sentiment_score":0.19452388623827382}],"sentiment":"neutral","sentiment_score":0.1432471801305101,"num_words":84,"start":2267.735,"end":2291.8252},{"sentences":[{"text":"Okay?","start":2291.885,"end":2292.385,"sentiment":"neutral","sentiment_score":0.19658026099205017},{"text":"Beautiful.","start":2293.645,"end":2294.145,"sentiment":"positive","sentiment_score":0.45636415481567383},{"text":"But this sort of shows you where we're sort of tracking based on circumstances, and it shows that you could realistically you only, at the moment, want about 73,000 for the year.","start":2294.7651,"end":2304.79,"sentiment":"neutral","sentiment_score":0.18191518145613372},{"text":"That could definitely change, but this sort of shows you that, you know, we could realistically draw about a 105,000 out on a yearly basis and still have super working and supplement that would centrally based on your current circumstances there as well.","start":2304.79,"end":2319.005,"sentiment":"neutral","sentiment_score":0.19229995268721914},{"text":"Okay?","start":2319.005,"end":2319.505,"sentiment":"neutral","sentiment_score":0.1501864492893219}],"sentiment":"neutral","sentiment_score":0.1909399312467147,"num_words":78,"start":2291.885,"end":2319.505},{"sentences":[{"text":"Fantastic.","start":2321.565,"end":2322.065,"sentiment":"positive","sentiment_score":0.4098023176193238},{"text":"Do you have any questions so far?","start":2322.285,"end":2323.9648,"sentiment":"neutral","sentiment_score":0.11322440739188876},{"text":"Please let me know if you do.","start":2323.9648,"end":2325.585,"sentiment":"neutral","sentiment_score":0.04943905983652387},{"text":"Excellent.","start":2328.86,"end":2329.36,"sentiment":"positive","sentiment_score":0.3684470653533935},{"text":"Beautiful.","start":2329.5,"end":2330.0,"sentiment":"positive","sentiment_score":0.4069921672344208}],"sentiment":"neutral","sentiment_score":0.13669916592976628,"num_words":17,"start":2321.565,"end":2330.0},{"sentences":[{"text":"So, Colin, we are just going to the next page, Alan.","start":2330.86,"end":2333.26,"sentiment":"neutral","sentiment_score":0.11317803913896735},{"text":"We're just gonna retain all of your insurance policies.","start":2333.26,"end":2335.84,"sentiment":"neutral","sentiment_score":0.07376566487881872},{"text":"With the ClearView policy, we don't really have visibility on that.","start":2336.3801,"end":2340.0,"sentiment":"neutral","sentiment_score":0.007761284793642434},{"text":"So what we'd like to do is see if we can add a change of adviser form so we can sort of see on the portal.","start":2340.125,"end":2345.505,"sentiment":"neutral","sentiment_score":0.08992635931533116},{"text":"I don't know if they will do it or not, but it's worth giving it a crack.","start":2345.805,"end":2349.165,"sentiment":"neutral","sentiment_score":0.03493413805742474}],"sentiment":"neutral","sentiment_score":0.06657012481544469,"num_words":74,"start":2330.86,"end":2349.165},{"sentences":[{"text":"But we just wanna sort of make sure that we have visibility of that policy to help you along and make changes as you need to.","start":2349.165,"end":2355.63,"sentiment":"neutral","sentiment_score":0.14000494606219804},{"text":"Okay?","start":2357.8699,"end":2358.3699,"sentiment":"neutral","sentiment_score":0.11521195620298386},{"text":"Excellent.","start":2358.5898,"end":2359.0898,"sentiment":"positive","sentiment_score":0.47807520627975464},{"text":"If you can scroll further down for me, sorry, to page number 34.","start":2360.5098,"end":2365.8098,"sentiment":"neutral","sentiment_score":0.08869097095269424},{"text":"Yeah.","start":2370.215,"end":2370.715,"sentiment":"neutral","sentiment_score":0.021705400198698044}],"sentiment":"neutral","sentiment_score":0.1287643757781812,"num_words":42,"start":2349.165,"end":2370.715},{"sentences":[{"text":"Yeah.","start":2375.735,"end":2376.235,"sentiment":"neutral","sentiment_score":0.023816227912902832},{"text":"Mhmm.","start":2381.9502,"end":2382.4502,"sentiment":"neutral","sentiment_score":0.014001097530126572},{"text":"Are you still okay with the premium you're covering for that?","start":2382.83,"end":2385.55,"sentiment":"neutral","sentiment_score":0.027826882898807526},{"text":"Do you need to sort of that's okay?","start":2385.55,"end":2387.4102,"sentiment":"neutral","sentiment_score":-0.001841951314418111},{"text":"Yes.","start":2387.47,"end":2387.97,"sentiment":"neutral","sentiment_score":0.11803285777568816}],"sentiment":"neutral","sentiment_score":0.020327740208647974,"num_words":22,"start":2375.735,"end":2387.97},{"sentences":[{"text":"Yes.","start":2388.75,"end":2389.25,"sentiment":"neutral","sentiment_score":0.30085328221321106},{"text":"Beautiful.","start":2389.6301,"end":2390.1301,"sentiment":"positive","sentiment_score":0.5919265747070312},{"text":"Yeah.","start":2391.6301,"end":2392.1301,"sentiment":"neutral","sentiment_score":0.2760663628578186},{"text":"Absolutely.","start":2392.4302,"end":2392.9302,"sentiment":"positive","sentiment_score":0.3663270175457001},{"text":"Absolutely.","start":2393.805,"end":2394.305,"sentiment":"neutral","sentiment_score":0.30420905351638794}],"sentiment":"positive","sentiment_score":0.3678764581680298,"num_words":5,"start":2388.75,"end":2394.305},{"sentences":[{"text":"I pay for all my insurances outside of super too, and the premiums got pretty high.","start":2394.365,"end":2398.925,"sentiment":"neutral","sentiment_score":0.21242321375757456},{"text":"But it's just peace of mind of knowing your family's looked after in the event something happens.","start":2398.925,"end":2403.425,"sentiment":"neutral","sentiment_score":0.2658643231672399},{"text":"So yeah.","start":2403.645,"end":2404.625,"sentiment":"neutral","sentiment_score":0.024337257258594036},{"text":"It's a difficult thing.","start":2405.4849,"end":2407.0598,"sentiment":"neutral","sentiment_score":-0.1331469975411892},{"text":"This industry is one where we see a lot of that, and I talk every day about life insurance and passing away and estate planning and things like that.","start":2407.0598,"end":2414.26,"sentiment":"neutral","sentiment_score":-0.11376055175888128}],"sentiment":"neutral","sentiment_score":0.060816109372193325,"num_words":68,"start":2394.365,"end":2414.26},{"sentences":[{"text":"And it's it's I think of the statistics at the moment, about fifty percent of people passed away intestate without wills in place.","start":2414.26,"end":2422.9648,"sentiment":"neutral","sentiment_score":-0.1035151922184488},{"text":"So it's a pretty big statistic at the moment.","start":2422.9648,"end":2425.545,"sentiment":"neutral","sentiment_score":-0.1640987205836508},{"text":"Yeah.","start":2425.845,"end":2426.345,"sentiment":"neutral","sentiment_score":-0.004994500428438187},{"text":"All good.","start":2427.525,"end":2428.345,"sentiment":"neutral","sentiment_score":0.15740549564361572},{"text":"So on page number 34 there, Deborah, we're looking at your insurance policy.","start":2428.9648,"end":2433.2249,"sentiment":"neutral","sentiment_score":0.04216692510705728}],"sentiment":"neutral","sentiment_score":-0.0624948206047217,"num_words":48,"start":2414.26,"end":2433.2249},{"sentences":[{"text":"So the first one there notes what you've got with retaining the insurance that you do hold within Superfast, your life, your PPD benefit, and your income protection policy.","start":2433.285,"end":2442.6,"sentiment":"neutral","sentiment_score":0.07743915915489197},{"text":"Your goal was essentially to try and pay the 6 to 700,000 off the mortgage in the event of your passing.","start":2443.86,"end":2451.885,"sentiment":"neutral","sentiment_score":0.10644665005661193},{"text":"We've essentially worked it out to try to make it the most the easiest essentially, the easiest figure possible.","start":2452.585,"end":2458.985,"sentiment":"neutral","sentiment_score":0.1404089629650116},{"text":"So we've subtracted your current life insurance and also your super benefit from that.","start":2458.985,"end":2463.71,"sentiment":"neutral","sentiment_score":0.07291750317173344},{"text":"And it essentially means that based on everything, we just need to apply for 675,000 of life cover, and we've chosen I always say this wrong, but Fortura.","start":2464.01,"end":2475.07,"sentiment":"neutral","sentiment_score":0.02805624350107142}],"sentiment":"neutral","sentiment_score":0.08067842725630817,"num_words":111,"start":2433.285,"end":2475.07},{"sentences":[{"text":"So Fortura is an insurance company.","start":2476.0251,"end":2478.365,"sentiment":"neutral","sentiment_score":-0.00749649580878516},{"text":"They're actually owned by Noble Oak, and you could Google them.","start":2478.5051,"end":2481.5452,"sentiment":"neutral","sentiment_score":0.10546524551781741},{"text":"Noble Oak have been around since 1877.","start":2481.5452,"end":2484.425,"sentiment":"neutral","sentiment_score":0.15783890230315073},{"text":"They're not a well known insurer, but they are really, really easy to deal with.","start":2484.425,"end":2488.71,"sentiment":"positive","sentiment_score":0.39668340782324474},{"text":"And they have offered the life cover.","start":2489.75,"end":2492.17,"sentiment":"neutral","sentiment_score":0.2856156187398093}],"sentiment":"neutral","sentiment_score":0.22107764109766678,"num_words":46,"start":2476.0251,"end":2492.17},{"sentences":[{"text":"Because of your BMI, they would add a 75% loading onto the policy, but it means the yearly premium would be $980.55.","start":2492.63,"end":2503.755,"sentiment":"neutral","sentiment_score":0.2230961492115801},{"text":"This is paid for out of super for you, so it does mean that the insurance premiums do increase in super, but the fee comparison table at the top has also factored that in for you.","start":2503.835,"end":2514.6548,"sentiment":"neutral","sentiment_score":0.2391065297027429},{"text":"And that essentially means that in the event of passing, you get this for the Fortuna policy paid out as well as the amount in hub twenty '4 and then your super balance paid on top of that.","start":2514.9548,"end":2525.45,"sentiment":"neutral","sentiment_score":0.2569161943699184},{"text":"So we wanted to make sure that you guys are as covered as possible.","start":2525.45,"end":2529.13,"sentiment":"positive","sentiment_score":0.48022274885858807},{"text":"It actually ends up giving you more than what your goal was with the 700,000, which is a benefit.","start":2529.13,"end":2535.175,"sentiment":"positive","sentiment_score":0.6311740436052021}],"sentiment":"neutral","sentiment_score":0.3255363647327867,"num_words":129,"start":2492.63,"end":2535.175},{"sentences":[{"text":"And that way, in the event of something happens, Colin can pay out as much of the mortgage as absolutely possible and then take a bit of time to have a bit of a breather and grieve and work out what he wants to do moving forward.","start":2536.115,"end":2549.02,"sentiment":"neutral","sentiment_score":0.3054998773843684},{"text":"Okay?","start":2549.24,"end":2549.74,"sentiment":"neutral","sentiment_score":0.18496251106262207},{"text":"Beautiful.","start":2551.32,"end":2551.82,"sentiment":"positive","sentiment_score":0.531658947467804},{"text":"The the life policy is covered up to age 65.","start":2552.6,"end":2556.2,"sentiment":"neutral","sentiment_score":0.12800268828868866},{"text":"Most insurance policies, like life policies, all kind of go longer.","start":2556.2,"end":2560.7,"sentiment":"neutral","sentiment_score":0.03651808507063172}],"sentiment":"neutral","sentiment_score":0.23938345020370824,"num_words":70,"start":2536.115,"end":2560.7},{"sentences":[{"text":"At the age of 65, they convert to out of pocket policies.","start":2561.205,"end":2564.5852,"sentiment":"neutral","sentiment_score":-0.04098547405252854},{"text":"Normally, with insurance policies, by the time you retire at age 60 or 65, we normally don't need these sorts of policies anymore.","start":2564.8052,"end":2571.865,"sentiment":"neutral","sentiment_score":-0.1021616562553074},{"text":"The idea is we cancel them, and we have our insurances, sorry, our super to fall back on, and we should have enough in super and hopefully be fully debt free to not need insurances anymore.","start":2572.165,"end":2582.22,"sentiment":"neutral","sentiment_score":-0.08183998904294437},{"text":"But income protection and PPD tend to cancel out at age 65.","start":2582.76,"end":2588.7002,"sentiment":"neutral","sentiment_score":-0.1350012763092915},{"text":"At 60 five, the life policy, they convert to an out of super policy.","start":2589.045,"end":2593.625,"sentiment":"neutral","sentiment_score":-0.013061875078294958}],"sentiment":"neutral","sentiment_score":-0.0782542778851138,"num_words":97,"start":2561.205,"end":2593.625},{"sentences":[{"text":"So we stop paying inside super, and they allow us to continue holding the policy in our own name if we want to continue their board.","start":2593.6848,"end":2601.065,"sentiment":"neutral","sentiment_score":0.01871157093689992},{"text":"Okay?","start":2601.125,"end":2601.625,"sentiment":"neutral","sentiment_score":0.013474546372890472},{"text":"With all the insurance you know what?","start":2603.5,"end":2605.42,"sentiment":"neutral","sentiment_score":-0.06265231408178806},{"text":"Sorry.","start":2605.42,"end":2605.92,"sentiment":"neutral","sentiment_score":-0.12851279973983765},{"text":"Yeah.","start":2606.0598,"end":2606.5598,"sentiment":"neutral","sentiment_score":-0.06279803812503815}],"sentiment":"neutral","sentiment_score":-0.0036083790473639965,"num_words":36,"start":2593.6848,"end":2606.5598},{"sentences":[{"text":"Yeah.","start":2611.18,"end":2611.66,"sentiment":"neutral","sentiment_score":0.04795055836439133},{"text":"Yeah.","start":2611.66,"end":2612.14,"sentiment":"neutral","sentiment_score":0.06504330784082413},{"text":"Yeah.","start":2612.14,"end":2612.64,"sentiment":"neutral","sentiment_score":0.08511541783809662},{"text":"The the way we sort of look at it is when we're younger, we have higher mortgage.","start":2612.94,"end":2617.1648,"sentiment":"neutral","sentiment_score":0.0433210928869598},{"text":"We've got a lower super balance, so we need more insurances.","start":2617.1648,"end":2620.4648,"sentiment":"neutral","sentiment_score":0.028667011001909323}],"sentiment":"neutral","sentiment_score":0.040319515617504235,"num_words":31,"start":2611.18,"end":2620.4648},{"sentences":[{"text":"But as we get closer to accessing super, we wanna have a higher super balance, hopefully, a lower debt level, and hopefully not need the insurances in those time it is.","start":2621.1648,"end":2630.045,"sentiment":"neutral","sentiment_score":0.12642579309401974},{"text":"And that works out really well because insurances do get more expensive.","start":2630.045,"end":2633.79,"sentiment":"neutral","sentiment_score":0.04373312431077162},{"text":"All these premiums are set, and that essentially means that the older you get, the more you risk actually making a claim, the more the insurance has become more expensive.","start":2633.85,"end":2643.815,"sentiment":"neutral","sentiment_score":-0.18629014119505882},{"text":"And that's why we wanna when we do reviews, we review the level of cover you have, but also how much you're paying for those.","start":2643.815,"end":2649.835,"sentiment":"neutral","sentiment_score":-0.017852500826120377},{"text":"Because one of the biggest things is that insurances actually affect how much we have in through for the end of at our retirement.","start":2650.2148,"end":2658.155,"sentiment":"neutral","sentiment_score":-0.08898624746749799}],"sentiment":"neutral","sentiment_score":-0.030546636213777494,"num_words":122,"start":2621.1648,"end":2658.155},{"sentences":[{"text":"So we wanna make sure that we're not eating that away.","start":2659.07,"end":2661.47,"sentiment":"neutral","sentiment_score":-0.17476675456220453},{"text":"Absolutely.","start":2661.47,"end":2661.97,"sentiment":"neutral","sentiment_score":0.016004638746380806},{"text":"Yeah.","start":2663.15,"end":2663.6301,"sentiment":"neutral","sentiment_score":0.021013926714658737},{"text":"I have seen some people with insurance policies at the age of 60, and they're paying about 20 or $30,000 for them.","start":2663.6301,"end":2670.75,"sentiment":"neutral","sentiment_score":-0.06325592913410881},{"text":"So these insurance policies can get very expensive.","start":2670.75,"end":2673.465,"sentiment":"neutral","sentiment_score":-0.11986118508502841}],"sentiment":"neutral","sentiment_score":-0.09851013154311236,"num_words":43,"start":2659.07,"end":2673.465},{"sentences":[{"text":"So I wanna make sure you guys have a fantastic retirement and don't end up eating it all away.","start":2673.465,"end":2679.405,"sentiment":"neutral","sentiment_score":-0.022709868848323822},{"text":"Okay?","start":2679.465,"end":2679.965,"sentiment":"neutral","sentiment_score":0.01750084199011326},{"text":"Absolutely.","start":2683.225,"end":2683.725,"sentiment":"neutral","sentiment_score":0.25233596563339233},{"text":"Absolutely.","start":2684.3452,"end":2684.8452,"sentiment":"neutral","sentiment_score":0.2060002237558365},{"text":"The last sort of part of the recommendations is down on page number 40 for you.","start":2686.19,"end":2690.69,"sentiment":"neutral","sentiment_score":0.09615925000980496}],"sentiment":"neutral","sentiment_score":0.041655197984686025,"num_words":38,"start":2673.465,"end":2690.69},{"sentences":[{"text":"So it's just in relation to the new future life insurance policy there.","start":2691.23,"end":2696.0298,"sentiment":"neutral","sentiment_score":0.07383214710996701},{"text":"So just making sure we do have a beneficiary nomination applied to that one.","start":2696.0298,"end":2700.21,"sentiment":"neutral","sentiment_score":0.12361132779291698},{"text":"Just making sure in the event of passing that the policy is paid out to yourself, Colin.","start":2700.3052,"end":2704.885,"sentiment":"neutral","sentiment_score":0.11985383138937108},{"text":"So we'll add it as a binding nonlapsing nomination and note all of your information on there.","start":2705.0251,"end":2709.985,"sentiment":"neutral","sentiment_score":0.14540142478311763},{"text":"We'll send it out to you.","start":2709.985,"end":2711.105,"sentiment":"neutral","sentiment_score":0.1527843897541364}],"sentiment":"neutral","sentiment_score":0.12114062977593336,"num_words":67,"start":2691.23,"end":2711.105},{"sentences":[{"text":"You guys can sign it, have it witnessed, and send back to us so we can have that applied for you.","start":2711.105,"end":2716.11,"sentiment":"neutral","sentiment_score":0.13927243933791206},{"text":"Okay?","start":2716.35,"end":2716.85,"sentiment":"neutral","sentiment_score":0.08545548468828201},{"text":"Excellent.","start":2718.35,"end":2718.85,"sentiment":"neutral","sentiment_score":0.1868517100811005},{"text":"To get the application in place, Deborah, just to let you know, we will need to go through a insurance application with you.","start":2719.55,"end":2726.61,"sentiment":"neutral","sentiment_score":0.09514105562930522},{"text":"Once you guys are happy with the advice, you've had a bit of a read through it and mull it over because I know I go through a lot.","start":2726.99,"end":2732.785,"sentiment":"neutral","sentiment_score":0.25066454503042945}],"sentiment":"neutral","sentiment_score":0.16872726008296013,"num_words":75,"start":2711.105,"end":2732.785},{"sentences":[{"text":"So take some time, have a cup of tea, and ring it over if you like.","start":2732.785,"end":2736.4048,"sentiment":"neutral","sentiment_score":0.21285839471966028},{"text":"If you have any questions, come back and let me know, and my colleague, Jack, will walk in to go through the application with you for the life policy.","start":2736.625,"end":2745.78,"sentiment":"neutral","sentiment_score":0.2442135250773923},{"text":"He is really good and sweet and does a fantastic job.","start":2746.4,"end":2749.62,"sentiment":"positive","sentiment_score":0.8043804493817416},{"text":"And if you decide you prefer someone else, I can always get one of the girls to do it.","start":2750.08,"end":2754.08,"sentiment":"neutral","sentiment_score":0.21823688047496895},{"text":"I just like to make sure that everyone's comfortable going through those questionnaires.","start":2754.08,"end":2757.3801,"sentiment":"neutral","sentiment_score":-0.0003983805385919723}],"sentiment":"neutral","sentiment_score":0.26678901440887287,"num_words":88,"start":2732.785,"end":2757.3801},{"sentences":[{"text":"All good?","start":2758.0552,"end":2759.435,"sentiment":"neutral","sentiment_score":0.23705897480249405},{"text":"Beautiful.","start":2760.375,"end":2760.875,"sentiment":"positive","sentiment_score":0.561669111251831},{"text":"Excellent.","start":2761.0952,"end":2761.5952,"sentiment":"positive","sentiment_score":0.5082874298095703},{"text":"I've also made a recommendation in there to make sure that you do do up a will and power of attorney.","start":2762.135,"end":2767.435,"sentiment":"neutral","sentiment_score":0.21094895473548345},{"text":"The beneficiaries do sort of look after all of your inside data and life insurance policies, but I do also like to add this into the estate planning side of things to make sure that having a will and a power of attorney done up to protect everything else you guys have worked hard for outside of super, that's your house and your savings and your cars and everything else, and having a power of attorney done up as well to make sure that in the event that you can't make decisions for yourself, that you've appointed somebody else that can make financial and or personal and medical decisions for you.","start":2767.975,"end":2801.555,"sentiment":"neutral","sentiment_score":0.17342849901399096}],"sentiment":"neutral","sentiment_score":0.18547474949018045,"num_words":136,"start":2758.0552,"end":2801.555},{"sentences":[{"text":"So, normally, power of attorney is set up for each of you, but then in the event that something happens to both of you, who else do you want to act on your behalf?","start":2801.555,"end":2810.5798,"sentiment":"neutral","sentiment_score":0.06192451036151718},{"text":"And taking the services of a solicitor is really important to have those done up as well.","start":2810.5798,"end":2815.64,"sentiment":"neutral","sentiment_score":0.12233763977008708},{"text":"Okay?","start":2815.7,"end":2816.2,"sentiment":"neutral","sentiment_score":0.07288454473018646},{"text":"Excellent.","start":2817.585,"end":2818.085,"sentiment":"neutral","sentiment_score":0.2949008643627167},{"text":"And then on page number 49, I have a sensitive remuneration side of things.","start":2819.265,"end":2825.825,"sentiment":"neutral","sentiment_score":0.037386422677497776}],"sentiment":"neutral","sentiment_score":0.07576669485016323,"num_words":67,"start":2801.555,"end":2825.825},{"sentences":[{"text":"So with the advice, this is all being provided complimentary as part of your ongoing service agreement.","start":2825.825,"end":2831.8699,"sentiment":"neutral","sentiment_score":0.09023916414555382},{"text":"You do pay out the ongoing service fee.","start":2832.0098,"end":2834.2698,"sentiment":"neutral","sentiment_score":0.06427475204691291},{"text":"It's 1.10% because you both are clients.","start":2834.65,"end":2837.8699,"sentiment":"neutral","sentiment_score":0.07533702733261245},{"text":"That's per year, and then our fee is deducted in smaller monthly increments.","start":2838.0098,"end":2841.63,"sentiment":"neutral","sentiment_score":0.04761834471271588},{"text":"That's all noted in here and has been accounted for as part of the advice.","start":2842.5698,"end":2846.5098,"sentiment":"neutral","sentiment_score":0.07323056757450104}],"sentiment":"neutral","sentiment_score":0.07155199988434711,"num_words":60,"start":2825.825,"end":2846.5098},{"sentences":[{"text":"With the Fortura policy, once we set that up, we do receive remuneration from insurance companies, and that by no means has any reflection on how or why I've made this recommendation.","start":2847.565,"end":2859.825,"sentiment":"neutral","sentiment_score":0.07416353421285748},{"text":"Essentially, this is in your best interest.","start":2861.06,"end":2862.82,"sentiment":"neutral","sentiment_score":0.24511956317084177},{"text":"And as you guys read it through, you'll see the best interest, Judy.","start":2862.82,"end":2865.94,"sentiment":"neutral","sentiment_score":0.2824938205572275},{"text":"So I relate that back to your goals and how and why I'm making the recommendations.","start":2865.94,"end":2869.88,"sentiment":"neutral","sentiment_score":0.2074931003153324},{"text":"But we do receive 66% of the first year's premium and 22% they're ongoing.","start":2870.9,"end":2876.205,"sentiment":"neutral","sentiment_score":0.10545533416526658}],"sentiment":"neutral","sentiment_score":0.1531433413123212,"num_words":82,"start":2847.565,"end":2876.205},{"sentences":[{"text":"And it's clear if you do allow us to add that change of adviser form and 22% they're ongoing as well from them.","start":2876.745,"end":2884.105,"sentiment":"neutral","sentiment_score":0.10048326218257779},{"text":"So it's by no means the reason for our recommendation, but we like to disclose everything that we do receive just so you are fully aware.","start":2884.105,"end":2893.3,"sentiment":"neutral","sentiment_score":0.049080683993032344},{"text":"But I work under the corporations act and under the best interest duty as part of section nine two one b of the corporations act.","start":2893.3,"end":2901.225,"sentiment":"neutral","sentiment_score":0.04092877559363842},{"text":"So everything I do has to be in your best interest, and under best interest duty, if your needs come into that conflict of the business of my bosses, I have to put you first.","start":2901.705,"end":2912.7651,"sentiment":"neutral","sentiment_score":0.08637965390724796},{"text":"So I'm I'm very passionate about that, and I wanna make sure you guys are looked after a 110%.","start":2912.905,"end":2918.94,"sentiment":"neutral","sentiment_score":0.2742880182830911}],"sentiment":"neutral","sentiment_score":0.10035306592180859,"num_words":128,"start":2876.745,"end":2918.94},{"sentences":[{"text":"Okay?","start":2919.08,"end":2919.58,"sentiment":"neutral","sentiment_score":0.16593098640441897},{"text":"Fantastic.","start":2921.48,"end":2921.98,"sentiment":"positive","sentiment_score":0.4455526471138001},{"text":"That is a lot, and I fully understand.","start":2922.3599,"end":2924.38,"sentiment":"neutral","sentiment_score":0.24600408039987087},{"text":"So either of you have any questions at the moment?","start":2924.44,"end":2926.8599,"sentiment":"neutral","sentiment_score":0.07897664196789264},{"text":"No?","start":2928.865,"end":2929.365,"sentiment":"neutral","sentiment_score":0.04529864341020584}],"sentiment":"neutral","sentiment_score":0.1625991114193485,"num_words":21,"start":2919.08,"end":2929.365},{"sentences":[{"text":"Excellent.","start":2929.5051,"end":2930.0051,"sentiment":"neutral","sentiment_score":0.33134400844573975},{"text":"Excellent.","start":2930.225,"end":2930.725,"sentiment":"positive","sentiment_score":0.3509504199028015},{"text":"All good.","start":2930.945,"end":2931.605,"sentiment":"positive","sentiment_score":0.342100128531456},{"text":"Feel free to take some time to read it through.","start":2931.905,"end":2934.0852,"sentiment":"neutral","sentiment_score":0.29402966499328614},{"text":"Attached to the the the Odo sign there as well, I do also have your ongoing service agreement for the next twelve months.","start":2934.225,"end":2939.745,"sentiment":"neutral","sentiment_score":0.2118365000123563}],"sentiment":"neutral","sentiment_score":0.2480819144764462,"num_words":37,"start":2929.5051,"end":2939.745},{"sentences":[{"text":"They just need to be updated as well.","start":2939.745,"end":2941.425,"sentiment":"neutral","sentiment_score":0.2485326323658228},{"text":"So you're happy to stay on board and have us implement everything for you.","start":2941.425,"end":2945.51,"sentiment":"positive","sentiment_score":0.5403674862214497},{"text":"I am making sure that we do catch up moving forward.","start":2945.81,"end":2948.85,"sentiment":"positive","sentiment_score":0.39594869722019543},{"text":"Last year was a little bit difficult with everything, but I'm myself and my colleague, Samantha, who you probably spoke to the other day, are making sure everyone does get their catch ups in there.","start":2948.85,"end":2959.2249,"sentiment":"neutral","sentiment_score":0.1666374385356903},{"text":"And I know you guys prefer you later in the evening because you've worked so hard.","start":2959.2249,"end":2963.4849,"sentiment":"neutral","sentiment_score":0.1937942337244749}],"sentiment":"neutral","sentiment_score":0.27192690028321176,"num_words":84,"start":2939.745,"end":2963.4849},{"sentences":[{"text":"Did you want me to do catch ups with you every three or six months?","start":2964.265,"end":2967.785,"sentiment":"neutral","sentiment_score":0.13177876422802606},{"text":"Moving forward, what would you like to see?","start":2967.785,"end":2969.885,"sentiment":"neutral","sentiment_score":0.08132731821388006},{"text":"Six months?","start":2976.49,"end":2977.23,"sentiment":"neutral","sentiment_score":0.00035323970951139927},{"text":"Yep.","start":2977.61,"end":2978.11,"sentiment":"neutral","sentiment_score":0.103207066655159},{"text":"Yep.","start":2978.25,"end":2978.57,"sentiment":"neutral","sentiment_score":0.253375381231308}],"sentiment":"neutral","sentiment_score":0.11054033097914523,"num_words":27,"start":2964.265,"end":2978.57},{"sentences":[{"text":"Perfect.","start":2978.57,"end":2979.07,"sentiment":"positive","sentiment_score":0.6508346796035767},{"text":"Easy.","start":2980.4102,"end":2980.81,"sentiment":"positive","sentiment_score":0.498011976480484},{"text":"What I can do is I can do a catch up for you.","start":2980.81,"end":2982.8901,"sentiment":"neutral","sentiment_score":0.17015721878180137},{"text":"It'll probably be December because we're July, so I'll do one just before the end of the year for you before we all go away on Christmas break.","start":2982.8901,"end":2990.665,"sentiment":"neutral","sentiment_score":0.05787492663200412},{"text":"And then at that point, if you decide you wanna alter them to, you know, three months or the twelve months, you can let me know what you'd like to do.","start":2991.0452,"end":2997.6052,"sentiment":"neutral","sentiment_score":0.07230158943322397}],"sentiment":"neutral","sentiment_score":0.09760456376180456,"num_words":74,"start":2978.57,"end":2997.6052},{"sentences":[{"text":"We can always alter and change the schedule.","start":2997.6052,"end":2999.91,"sentiment":"neutral","sentiment_score":0.13628917839378119},{"text":"Just wanna make sure we do catch up with you guys, especially as you are, you know, getting closer to retirement.","start":2999.97,"end":3005.19,"sentiment":"neutral","sentiment_score":0.1797264495066234},{"text":"Just making sure that we're keeping up to date with what's happening, any changes in your life, updating advice, and especially the risk profile moving forward for you.","start":3005.25,"end":3013.57,"sentiment":"neutral","sentiment_score":0.17573666359697068},{"text":"Okay?","start":3013.57,"end":3014.07,"sentiment":"neutral","sentiment_score":0.09334221482276917},{"text":"Excellent.","start":3016.275,"end":3016.775,"sentiment":"positive","sentiment_score":0.584928572177887}],"sentiment":"neutral","sentiment_score":0.1773468853305962,"num_words":59,"start":2997.6052,"end":3016.775},{"sentences":[{"text":"And if you really enjoy reading, attached to the Odoo sign up, also got the product disclosure statements for Hub twenty four and for Fortura.","start":3017.155,"end":3024.615,"sentiment":"neutral","sentiment_score":0.2667516404390335},{"text":"We've got the Okey financial services guide for you as well and the appendices that outlines any additional research that I was able to do for you.","start":3024.755,"end":3032.59,"sentiment":"neutral","sentiment_score":0.2643993193352664},{"text":"So depending on how much reading you enjoy doing, that's all for you, but please take some time to read through the advice document.","start":3032.59,"end":3039.49,"sentiment":"neutral","sentiment_score":0.1625887667760253},{"text":"Let me know if you do happen to have any questions, and if you are happy just take on the recommendations.","start":3039.55,"end":3044.4949,"sentiment":"neutral","sentiment_score":0.14278006163381396},{"text":"I'll get you to sign and return those back there for me.","start":3044.7148,"end":3047.595,"sentiment":"neutral","sentiment_score":0.12697347377737364}],"sentiment":"neutral","sentiment_score":0.20396115610358911,"num_words":109,"start":3017.155,"end":3047.595},{"sentences":[{"text":"Okay?","start":3047.595,"end":3048.095,"sentiment":"neutral","sentiment_score":0.09250331670045853},{"text":"Beautiful.","start":3050.3948,"end":3050.8948,"sentiment":"positive","sentiment_score":0.5932989716529846},{"text":"I really appreciate your time this evening.","start":3051.4348,"end":3053.595,"sentiment":"positive","sentiment_score":0.5909317050661359},{"text":"Thank you so much for taking my call.","start":3053.595,"end":3055.775,"sentiment":"positive","sentiment_score":0.5457805655896664},{"text":"You've had a long day at work, so you're probably both exhausted and ready to have a sit down.","start":3056.81,"end":3061.31,"sentiment":"neutral","sentiment_score":0.06841020129228893}],"sentiment":"neutral","sentiment_score":0.2913434048079782,"num_words":36,"start":3047.595,"end":3061.31},{"sentences":[{"text":"Yep.","start":3065.29,"end":3065.79,"sentiment":"neutral","sentiment_score":0.052219849079847336},{"text":"Yep.","start":3066.65,"end":3067.15,"sentiment":"neutral","sentiment_score":0.06059541553258896},{"text":"Yep.","start":3069.395,"end":3069.7148,"sentiment":"neutral","sentiment_score":0.0787278413772583},{"text":"So with that one there, that is just in case you don't wish to take on any part of the recommendations, you're allowed to pop that in there.","start":3069.7148,"end":3076.535,"sentiment":"neutral","sentiment_score":0.06709632583494697},{"text":"If it's asking you to do anything with that, you can just put NA if you're happy to take on all the recommendations.","start":3076.915,"end":3082.535,"sentiment":"neutral","sentiment_score":0.10359371372539064}],"sentiment":"neutral","sentiment_score":0.08246103046392952,"num_words":54,"start":3065.29,"end":3082.535},{"sentences":[{"text":"Yep.","start":3086.3,"end":3086.8,"sentiment":"neutral","sentiment_score":0.20843836665153503},{"text":"Beautiful.","start":3086.9402,"end":3087.4402,"sentiment":"positive","sentiment_score":0.4713023900985718},{"text":"Yeah.","start":3087.74,"end":3088.06,"sentiment":"neutral","sentiment_score":0.03899703547358513},{"text":"We put that text box in there now just in case there's any sections that someone doesn't wanna take or implement.","start":3088.06,"end":3093.52,"sentiment":"neutral","sentiment_score":-0.0030740098584265936},{"text":"It just allows you to make a little comment there.","start":3093.74,"end":3096.06,"sentiment":"neutral","sentiment_score":0.08445551581680774}],"sentiment":"neutral","sentiment_score":0.044080551275435614,"num_words":34,"start":3086.3,"end":3096.06},{"sentences":[{"text":"That's all.","start":3096.06,"end":3096.86,"sentiment":"neutral","sentiment_score":0.044665759429335594},{"text":"Okay.","start":3096.86,"end":3097.36,"sentiment":"neutral","sentiment_score":0.08341024816036224},{"text":"Easy.","start":3099.625,"end":3100.125,"sentiment":"neutral","sentiment_score":0.14203527569770813},{"text":"Beautiful.","start":3101.065,"end":3101.565,"sentiment":"neutral","sentiment_score":-0.16686199605464935},{"text":"Is it just click is there yep.","start":3104.265,"end":3111.4849,"sentiment":"neutral","sentiment_score":-0.014024684737835611}],"sentiment":"neutral","sentiment_score":0.004145187791436911,"num_words":12,"start":3096.06,"end":3111.4849},{"sentences":[{"text":"And press that button.","start":3111.785,"end":3113.005,"sentiment":"neutral","sentiment_score":-0.0074698347598314285},{"text":"Oh.","start":3118.5,"end":3119.0,"sentiment":"neutral","sentiment_score":-0.019506383687257767},{"text":"Yep.","start":3122.82,"end":3123.32,"sentiment":"neutral","sentiment_score":0.0004069072601851076},{"text":"So sorry.","start":3123.46,"end":3124.2,"sentiment":"neutral","sentiment_score":-0.06972750276327133},{"text":"About that, it should it should have a little signature button there for you.","start":3124.66,"end":3128.18,"sentiment":"neutral","sentiment_score":0.018906446107264076}],"sentiment":"neutral","sentiment_score":0.0034662011140343648,"num_words":22,"start":3111.785,"end":3128.18},{"sentences":[{"text":"Oh goodness.","start":3128.18,"end":3128.92,"sentiment":"neutral","sentiment_score":0.05703357607126236},{"text":"Yes.","start":3136.595,"end":3137.095,"sentiment":"neutral","sentiment_score":0.01167156547307968},{"text":"Probably.","start":3137.395,"end":3137.895,"sentiment":"neutral","sentiment_score":0.006450002547353506},{"text":"Beautiful.","start":3148.6902,"end":3149.1902,"sentiment":"positive","sentiment_score":0.6446875333786011},{"text":"Thank you so much for that.","start":3149.33,"end":3151.1902,"sentiment":"positive","sentiment_score":0.7563002606232961}],"sentiment":"positive","sentiment_score":0.48315252884375776,"num_words":11,"start":3128.18,"end":3151.1902},{"sentences":[{"text":"I will let you both go.","start":3151.33,"end":3152.53,"sentiment":"positive","sentiment_score":0.40131903688112897},{"text":"If you have any trouble, let me know.","start":3152.53,"end":3154.6301,"sentiment":"neutral","sentiment_score":0.1811529789119959},{"text":"And, yeah, look, have a really good night.","start":3154.985,"end":3156.825,"sentiment":"positive","sentiment_score":0.5884735118597746},{"text":"I hope you both get to put your feet up, enjoy some dinner, and relax.","start":3156.825,"end":3160.045,"sentiment":"positive","sentiment_score":0.6811601797739665},{"text":"All good.","start":3162.985,"end":3163.465,"sentiment":"positive","sentiment_score":0.7187877595424652}],"sentiment":"positive","sentiment_score":0.5184590862347529,"num_words":39,"start":3151.33,"end":3163.465},{"sentences":[{"text":"Thanks.","start":3163.465,"end":3163.865,"sentiment":"positive","sentiment_score":0.6781009435653687},{"text":"Thank you for your time.","start":3163.865,"end":3165.065,"sentiment":"positive","sentiment_score":0.6804872393608093},{"text":"Have a great night.","start":3165.065,"end":3166.105,"sentiment":"positive","sentiment_score":0.5621837079524994},{"text":"See you later.","start":3166.105,"end":3166.905,"sentiment":"neutral","sentiment_score":0.30783801277478534},{"text":"Bye.","start":3166.905,"end":3167.405,"sentiment":"neutral","sentiment_score":0.12645427882671356}],"sentiment":"positive","sentiment_score":0.5270885920950344,"num_words":14,"start":3163.465,"end":3167.405}]}}]},{"alternatives":[{"transcript":"Hello. Good evening. Good. Thanks. How are you? Yeah. That's fine. We're both here. Hey. Hey. How are you? Yeah. Not too bad. Yep. I've just got it on my phone. But but we've got a we've got a screen in front of us, so I'll wait for it to come through there. Yep. Got it. Yep. 21 The Wood Circuit, Menai, New South Wales, And 14th Is 72. Four dents? No. That's alright. You're in 91. Right? Yeah. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. Yep. No. I think that still sounds pretty So when you say open up the document, when we opened up the email, there's just all the attachments down the bottom. So which oh, okay. No. It's all good. Okay. So okay. Right. That's it. It's been possible. Yeah. Okay. And that's okay. Hey. We're good. We're good. Yeah. Yep. Yep. Yep. Sounds good. Not. Yes. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Look. To be to be honest yeah. To be honest, our our plan around that time, if we were to do that, it would only be a short term thing because their plan around that time would be to potentially sell this price and and downsize, which would would then potentially give us a a yeah. The money to buy a downsized property with with with cash. So that would be the that would be our plan. But anyway, we'll cross that bridge when we get to it. Yep. Yep. It's yeah. A few more few more opportunities that we model yet. Yeah. That's that's the hard part. Right? Yep. And that'd be silly. No. I think that's pretty it's still pretty much on the mark. Yeah. Yeah. It's quite it's close enough. Yep. Yes. Uh-huh. And then I I keep trying to catch it, but I I keep trying to catch it, but I can't get there. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Yes. Yep. Yeah. Yep. Yeah. Yep. That's good. Yep. Not here. Yep. Yep. Yep. Yep. Yeah. Yes. Yes. Yep. Yep. Yeah. Yep. Yep. Yep. Yeah. I've I've I've got no. Sorry. I was just gonna say I've got just a small number of shares in a company that I used to work for, which is US owned. And I I sort of keep an eye on them occasionally, and I've noticed that even with what's going on then, they're still going reasonably well. Yep. Yep. Yeah. I got it. Yeah. Yeah. Yeah. Understand. Yeah. Yeah. No. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. You see? Yep. Yep. No. That's good. Yeah. No. Very very happy with that. That's good. Yeah. Yeah. Yep. Yeah. Yep. Yep. That makes sense. Yep. Yep. No. Yes. Yep. Yep. Yeah. Yeah. Nice. Yeah. Yeah. Yeah. No. That's no. That looks good. Yep. Yeah. I think most of them are yeah. Yep. Yes. Yes. So it's so it's safe to say that that cache has crept up over time. Is that right? So how does how does that happen? Because I know this is really low. Right? So you would think that that would take a long time. Right? Yeah. Don't don't get me wrong. I'm I'm yeah. I'm fine with it. It's just out of curiosity. That's all. Yeah. Yeah. Okay. Yeah. Yeah. Yes. Yes. Yes. Yes. Yes. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Not a problem at all. Yeah. Yeah. That's yeah. That's fine. Not a problem at all. Yes. Yes. Yes. Yeah. That's fine. Yep. Yep. Yep. Sounds good. Yep. Not all good. Thanks. Yep. Yes. Yep. Yes. Yep. Yep. Yeah. Yep. Nice. Yep. Not all good yet. Yeah. Yep. That's fine, buddy. No problem. I think it's a little it's a touch higher than that now, but not much. It's so just to get back go back up the pipe. I think it's due about now. I was looking at it the other day. I think it's, like, 223 a month or something now. Right. Yeah. No. That's fine. That's fine. It's well, it's it's peace of mind is what it is. So Yes. Yes. Yeah. Yeah. Yes. Yep. Yep. Okay. Yeah. That's good. Yep. Yes. Yep. So, obviously, I think that the plan would be that the plan would be that we we, in theory, wouldn't need them once we get to that age. So yeah. Yeah. Yes. Yeah. Yeah. Of course. Yeah. I understand. Yeah. Yep. Yeah. Yep. Yeah. You don't wanna you don't wanna bank on file. That's for sure. Yes. Yes. Yep. Not a problem. Yeah. No. Yep. Yep. Yep. Yep. Yep. Yep. No. I'm all good. Thanks. Definitely not three. I think six at the most. Yeah. Yeah. Yep. Yeah. Yes. Now I've just signed it, and I'm clicking next, and it keeps sending me to a multiline. Okay. Now it's letting me do it. Yep. Not letting me sign. It's taking me to their consent to renewal on ongoing fee arrangement. It hasn't given me a button. It just says next document. Oh, here we go. Click start. Signature. Here we go. Yep. Done. Next document. You're Clear for your license. That's not that's not me. No. That's me. I think I'm done. Yeah. You will get the signed document. Okay. Done. That's alright. Yep. Thank you. You you too. Thanks so much. Thank you. See you. You too. Bye. 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Good evening. Good. Thanks. How are you?\n\nYeah. That's fine. We're both here. Hey. Hey.\n\nHow are you? Yeah. Not too bad. Yep. I've just got it on my phone.\n\nBut but we've got a we've got a screen in front of us, so I'll wait for it to come through there. Yep. Got it. Yep. 21 The Wood Circuit, Menai, New South Wales, And 14th Is 72.\n\nFour dents? No. That's alright. You're in 91. Right?\n\nYeah. Yep. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yeah. Yep.\n\nNo. I think that still sounds pretty So when you say open up the document, when we opened up the email, there's just all the attachments down the bottom. So which oh, okay. No. It's all good.\n\nOkay. So okay. Right. That's it. It's been possible.\n\nYeah. Okay. And that's okay. Hey. We're good.\n\nWe're good. Yeah. Yep. Yep. Yep.\n\nSounds good. Not. Yes. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. Look.\n\nTo be to be honest yeah. To be honest, our our plan around that time, if we were to do that, it would only be a short term thing because their plan around that time would be to potentially sell this price and and downsize, which would would then potentially give us a a yeah. The money to buy a downsized property with with with cash. So that would be the that would be our plan. But anyway, we'll cross that bridge when we get to it.\n\nYep. Yep. It's yeah. A few more few more opportunities that we model yet. Yeah.\n\nThat's that's the hard part. Right? Yep. And that'd be silly. No.\n\nI think that's pretty it's still pretty much on the mark. Yeah. Yeah. It's quite it's close enough. Yep.\n\nYes. Uh-huh. And then I I keep trying to catch it, but I I keep trying to catch it, but I can't get there. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yes. Yes.\n\nYep. Yeah. Yep. Yeah. Yep.\n\nThat's good. Yep. Not here. Yep. Yep.\n\nYep. Yep. Yeah. Yes. Yes.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Yeah. I've I've I've got no. Sorry. I was just gonna say I've got just a small number of shares in a company that I used to work for, which is US owned.\n\nAnd I I sort of keep an eye on them occasionally, and I've noticed that even with what's going on then, they're still going reasonably well. Yep. Yep. Yeah. I got it.\n\nYeah. Yeah. Yeah. Understand. Yeah.\n\nYeah. No. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. You see? Yep. Yep. No.\n\nThat's good. Yeah. No. Very very happy with that. That's good.\n\nYeah. Yeah. Yep. Yeah. Yep.\n\nYep. That makes sense. Yep. Yep. No.\n\nYes. Yep. Yep. Yeah. Yeah.\n\nNice. Yeah. Yeah. Yeah. No.\n\nThat's no. That looks good. Yep. Yeah. I think most of them are yeah.\n\nYep. Yes. Yes. So it's so it's safe to say that that cache has crept up over time. Is that right?\n\nSo how does how does that happen? Because I know this is really low. Right? So you would think that that would take a long time. Right?\n\nYeah. Don't don't get me wrong. I'm I'm yeah. I'm fine with it. It's just out of curiosity.\n\nThat's all. Yeah. Yeah. Okay. Yeah.\n\nYeah. Yes. Yes. Yes. Yes.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Yeah. Not a problem at all.\n\nYeah. Yeah. That's yeah. That's fine. Not a problem at all.\n\nYes. Yes. Yes. Yeah. That's fine.\n\nYep. Yep. Yep. Sounds good. Yep.\n\nNot all good. Thanks. Yep. Yes. Yep.\n\nYes. Yep. Yep. Yeah. Yep.\n\nNice. Yep. Not all good yet. Yeah. Yep.\n\nThat's fine, buddy. No problem. I think it's a little it's a touch higher than that now, but not much. It's so just to get back go back up the pipe. I think it's due about now.\n\nI was looking at it the other day. I think it's, like, 223 a month or something now. Right. Yeah. No.\n\nThat's fine. That's fine. It's well, it's it's peace of mind is what it is. So Yes. Yes.\n\nYeah. Yeah. Yes. Yep. Yep.\n\nOkay. Yeah. That's good. Yep. Yes.\n\nYep. So, obviously, I think that the plan would be that the plan would be that we we, in theory, wouldn't need them once we get to that age. So yeah. Yeah. Yes.\n\nYeah. Yeah. Of course. Yeah. I understand.\n\nYeah. Yep. Yeah. Yep. Yeah.\n\nYou don't wanna you don't wanna bank on file. That's for sure. Yes. Yes. Yep.\n\nNot a problem. Yeah. No. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nI'm all good. Thanks. Definitely not three. I think six at the most. Yeah.\n\nYeah. Yep. Yeah. Yes. Now I've just signed it, and I'm clicking next, and it keeps sending me to a multiline.\n\nOkay. Now it's letting me do it. Yep. Not letting me sign. It's taking me to their consent to renewal on ongoing fee arrangement.\n\nIt hasn't given me a button. It just says next document. Oh, here we go. Click start. Signature.\n\nHere we go. Yep. Done. Next document. You're Clear for your license.\n\nThat's not that's not me. No. That's me. I think I'm done. Yeah.\n\nYou will get the signed document. Okay. Done. That's alright. Yep.\n\nThank you. You you too. Thanks so much. Thank you. See you.\n\nYou too. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.10521858185529707},{"text":"Good evening.","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.2553846165537834},{"text":"Good.","start":6.0,"end":6.24,"sentiment":"positive","sentiment_score":0.4839778244495392},{"text":"Thanks.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.5346508622169495},{"text":"How are you?","start":6.56,"end":7.46,"sentiment":"neutral","sentiment_score":0.31407779455184937}],"sentiment":"neutral","sentiment_score":0.3221062356606126,"num_words":8,"start":0.24,"end":7.46},{"sentences":[{"text":"Yeah.","start":16.005,"end":16.244999,"sentiment":"neutral","sentiment_score":0.08946521580219269},{"text":"That's fine.","start":16.244999,"end":16.885,"sentiment":"neutral","sentiment_score":0.15587101131677628},{"text":"We're both 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all good.","start":2927.97,"end":2928.53,"sentiment":"neutral","sentiment_score":0.0030997774253288903},{"text":"Thanks.","start":2928.53,"end":2929.03,"sentiment":"neutral","sentiment_score":0.16807997226715088},{"text":"Definitely not three.","start":2973.715,"end":2974.675,"sentiment":"neutral","sentiment_score":-0.08169861882925034},{"text":"I think six at the 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arrangement.","start":3105.415,"end":3109.675,"sentiment":"neutral","sentiment_score":-0.03094335940356056}],"sentiment":"neutral","sentiment_score":0.016162017748380702,"num_words":24,"start":3083.985,"end":3109.675},{"sentences":[{"text":"It hasn't given me a button.","start":3116.0198,"end":3117.64,"sentiment":"neutral","sentiment_score":-0.08376539995272954},{"text":"It just says next document.","start":3117.7,"end":3119.16,"sentiment":"neutral","sentiment_score":-0.03278783373534679},{"text":"Oh, here we go.","start":3119.46,"end":3120.44,"sentiment":"neutral","sentiment_score":-0.007164888316765428},{"text":"Click start.","start":3121.0598,"end":3121.96,"sentiment":"neutral","sentiment_score":-0.0031101456843316555},{"text":"Signature.","start":3123.14,"end":3123.64,"sentiment":"neutral","sentiment_score":-0.024813484400510788}],"sentiment":"neutral","sentiment_score":-0.04034582763496372,"num_words":18,"start":3116.0198,"end":3123.64},{"sentences":[{"text":"Here we go.","start":3123.7,"end":3124.5,"sentiment":"neutral","sentiment_score":-0.03258775733411312},{"text":"Yep.","start":3124.5,"end":3124.8198,"sentiment":"neutral","sentiment_score":-0.007755949627608061},{"text":"Done.","start":3124.8198,"end":3125.14,"sentiment":"neutral","sentiment_score":-0.009771056473255156},{"text":"Next document.","start":3125.14,"end":3125.96,"sentiment":"neutral","sentiment_score":-0.004672668408602476},{"text":"You're Clear for your license.","start":3131.825,"end":3133.2048,"sentiment":"neutral","sentiment_score":0.024954257160425188}],"sentiment":"neutral","sentiment_score":0.000011305906809866428,"num_words":12,"start":3123.7,"end":3133.2048},{"sentences":[{"text":"That's not that's not me.","start":3133.345,"end":3134.865,"sentiment":"neutral","sentiment_score":-0.2471699059009552},{"text":"No.","start":3134.865,"end":3135.105,"sentiment":"neutral","sentiment_score":-0.19532619416713717},{"text":"That's me.","start":3135.105,"end":3135.845,"sentiment":"neutral","sentiment_score":-0.12522343546152115},{"text":"I think I'm done.","start":3144.4602,"end":3145.5,"sentiment":"neutral","sentiment_score":0.028062643017619848},{"text":"Yeah.","start":3145.5,"end":3145.82,"sentiment":"neutral","sentiment_score":0.07306157797574997}],"sentiment":"neutral","sentiment_score":-0.11510080342682508,"num_words":13,"start":3133.345,"end":3145.82},{"sentences":[{"text":"You will get the signed document.","start":3145.82,"end":3147.4202,"sentiment":"neutral","sentiment_score":0.0760812871158123},{"text":"Okay.","start":3147.4202,"end":3147.82,"sentiment":"neutral","sentiment_score":0.09961337596178056},{"text":"Done.","start":3147.82,"end":3148.32,"sentiment":"neutral","sentiment_score":0.19529716670513153},{"text":"That's alright.","start":3151.5,"end":3152.2402,"sentiment":"positive","sentiment_score":0.3395739048719406},{"text":"Yep.","start":3155.1,"end":3155.6,"sentiment":"neutral","sentiment_score":0.32855886220932007}],"sentiment":"neutral","sentiment_score":0.15991863066499884,"num_words":11,"start":3145.82,"end":3155.6},{"sentences":[{"text":"Thank you.","start":3160.5452,"end":3161.2852,"sentiment":"positive","sentiment_score":0.6986740827560425},{"text":"You you too.","start":3161.5051,"end":3162.385,"sentiment":"positive","sentiment_score":0.6232638160387675},{"text":"Thanks so much.","start":3162.385,"end":3163.445,"sentiment":"positive","sentiment_score":0.7794700463612875},{"text":"Thank you.","start":3164.3052,"end":3165.125,"sentiment":"positive","sentiment_score":0.7133992910385132},{"text":"See you.","start":3165.5051,"end":3166.225,"sentiment":"positive","sentiment_score":0.4506223499774933}],"sentiment":"positive","sentiment_score":0.6611327528953552,"num_words":12,"start":3160.5452,"end":3166.225},{"sentences":[{"text":"You too.","start":3166.225,"end":3166.865,"sentiment":"neutral","sentiment_score":0.3070492595434189},{"text":"Bye.","start":3166.865,"end":3167.0251,"sentiment":"neutral","sentiment_score":0.16819310188293457},{"text":"Bye.","start":3167.0251,"end":3167.5251,"sentiment":"neutral","sentiment_score":-0.08837022632360458}],"sentiment":"neutral","sentiment_score":0.17348034866154194,"num_words":4,"start":3166.225,"end":3167.5251}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Good evening.\n\nChannel 0: Hi, Deborah. It's Dana from Okies Financial. How are you this evening?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I had yourself and Colin both booked in to go through your updated advice page. Isn't now still a good time there for you both?\n\nChannel 1: Yeah. That's fine. We're both here. Hey.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Hey.\n\nChannel 0: Hi.\n\nChannel 1: How are you?\n\nChannel 0: I'm good. Thanks, Colin. How's your day?\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: Oh, fantastic. What I'm gonna do is I'm gonna send you an email to you with the advice document attached. Now you both do get a copy, but you're welcome just to open it up so you can both look at the same one if it's easier for you. I've\n\nChannel 1: Yep.\n\nChannel 0: just pressed send on that one. Beautiful. Hopefully, it comes through fairly quickly. Love technology when it wants to work in our favor.\n\nChannel 1: I've just got it on my phone.\n\nChannel 0: Fantastic.\n\nChannel 1: But but we've got a we've got a screen in front of us, so I'll wait for it to come through there.\n\nChannel 0: Yeah. You're right. Not a problem at all.\n\nChannel 1: Yep.\n\nChannel 0: Just\n\nChannel 1: Got\n\nChannel 0: while\n\nChannel 1: it.\n\nChannel 0: that is coming through, I just need to let you both know we do record our calls for quality and training purposes. Are you both happy for that to proceed?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And just to do a really quick security check there for you, I just need to confirm both your date of birth and just your residential address from one of you is fine.\n\nChannel 1: 21 The Wood Circuit, Menai, New South Wales, And 14th Is 72.\n\nChannel 0: Legend. Thank you so much for that. Beautiful.\n\nChannel 1: Four dents?\n\nChannel 0: Now you're right.\n\nChannel 1: No. That's alright. You're in 91. Right?\n\nChannel 0: Yeah. No. That's fine. That's fine.\n\nChannel 1: Yeah.\n\nChannel 0: Thanks, Deborah. You're all good. All good. Lovely. So on the front of that one there, it will just have the statement of it as I'm sorry for both of yourselves.\n\nOn the bottom of the document, it does have my authorized representative number. I'm a registered licensed financial adviser with ASIC, and my number\n\nChannel 1: Yep.\n\nChannel 0: registered is 1304394. To make this easier, so so as I'm not making it overcomplicated for you both, I'll go through the sections that I need to. So I'll direct you to a couple of the pages that we need to touch on, and then I'll let you both go back and have a really good read of the document. All of our the pages where the advice is noted, it does outline any advantages, disadvantages, risks involved, and I also have a best interest duty statement which outlines what the advice is in your best interest and how it relates back to your goals for you both. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Now I do apologize for the delay. We had the advice ready to go a few months back, but we have just sort of noted there's been some changes with market conditions, and I wanted to make some updates to your portfolio as well. And, Deborah, one of the things we talked about late last year was trying to get you a bit more life insurance as well. And very recently, an insurer has come out with an option for you.\n\nSo it meant that I needed to just go back to the drawing board. I have some options for you to have a look at with regards to what I've recommended, and you guys can go back and decide what you're happy to take on board. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Fantastic. I kinda thought let's do all this at once. Otherwise, I presented the advice to you, and then we had to go back and do a few more changes afterwards. So kind of putting it all into one advice document makes it a little bit easier for the both of you as well. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. Now if I can get you to scroll down to page number two and three for me. Two is just the table of contents, but page number three and four and five outline the areas that we are and are not looking at advice at the moment. So we do have superannuation scoped in. When I spoke to you both last, you were both looking at retiring around about age 65 to 67.\n\nWe\n\nChannel 1: Yeah.\n\nChannel 0: had sort of talked about an annual income of around about 73,000, just sort of tracking forward that, I'm looking at Centrelink if eligible at 67 as well.\n\nChannel 1: Yep.\n\nChannel 0: Is that sort of goal still appropriate to you? Do you feel like any of that's changed?\n\nChannel 1: No. I think that still sounds pretty\n\nChannel 0: Beautiful.\n\nChannel 1: So when\n\nChannel 0: Beautiful.\n\nChannel 1: you say open up the document, when we opened up the email,\n\nChannel 0: Yep.\n\nChannel 1: there's just all the attachments down the bottom.\n\nChannel 0: If you press\n\nChannel 1: So\n\nChannel 0: on\n\nChannel 1: which\n\nChannel 0: the button that says sign, it'll take you through so you can see\n\nChannel 1: oh, okay.\n\nChannel 0: the actual document. Sorry. My apologies if I missed that. Sorry about that, Barb.\n\nChannel 1: No. It's all good. Okay. So okay. Right.\n\nThat's it.\n\nChannel 0: Yeah.\n\nChannel 1: It's been\n\nChannel 0: All\n\nChannel 1: possible.\n\nChannel 0: good. Yep. Beautiful.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Sorry. I'm directing you to your pages. You can't even see. Sorry about\n\nChannel 1: And\n\nChannel 0: that.\n\nChannel 1: that's okay. Hey. We're good. We're good.\n\nChannel 0: All good. Now one of the things I do like to point out is when I am looking at the retirement aspect, you guys are getting closer to it. So we are looking at a that approximate income as part of your goal, but we know that can definitely change. So what happens is when we actually get to the the retirement years, we will have another conversation. When you tell me you're ready to retire, we'll look at in-depth what you actually need to live on and what your income expectation is.\n\nYou need to draw out of super, and\n\nChannel 1: Yeah.\n\nChannel 0: then we'll go\n\nChannel 1: Yep.\n\nChannel 0: back to the drawing board. I'll then provide additional advice on how we draw that income down from both these supers, how we supplement that with Centrelink, and we'll look at the nitty gritty on the drawdown. Okay?\n\nChannel 1: Yep. Yep. Sounds\n\nChannel 0: Beautiful.\n\nChannel 1: good.\n\nChannel 0: We've also scoped in essentially the insurance side of things. So, Colin, we're not making any changes to your insurance because\n\nChannel 1: Not.\n\nChannel 0: you are pretty happy with the cover you have\n\nChannel 1: Yes.\n\nChannel 0: at the moment. You've got the TV policy outside of super and also just\n\nChannel 1: Yeah.\n\nChannel 0: your in inside super policy.\n\nChannel 1: Yep.\n\nChannel 0: But, Deborah, you just wanted to have a little bit more. So your cover is only the hub 24 cover at the moment. You've got your life, CT, and income protection. We're not able to increase or obtain any new disability cover, so TPD or IP. Essentially, when we did your your pre assessment, it's just because the BMI is a little bit high.\n\nSo when we have a BMI\n\nChannel 1: Yep.\n\nChannel 0: of over 40, we're putting much pressure on our heart, and the insurers take that as too much risk. You're really\n\nChannel 1: Yep.\n\nChannel 0: actually very healthy, and I'm confident that you're really you know, not gonna nothing's gonna happen, but it does, unfortunately, create a higher risk for the insurance companies. So when I was talking to the BDMs recently, I was making some changes to your portfolio. I sort of had a bit of a blind pre assessment, and they actually came out and said, hey. We are happy to look at things for you. So they are offering a bit of life cover, which basically means that in the event of you passing, Colin, you do are able to access a little bit more money to help pay down the mortgage, which would\n\nChannel 1: Yep.\n\nChannel 0: leave you with a little bit less stress in that event.\n\nChannel 1: Yep.\n\nChannel 0: Okay? So I'll go through that with you shortly. Because I am looking at, Deborah, you're getting a little bit more life cover, I've also scoped in the estate planning side of things just minimally just to make sure that your beneficiaries on your life cover are up to date and correct. Essentially, you both just wanted your beneficiaries to be paid to each other. Everything is already set up that way.\n\nIt's just that we're making a new recommendation on life cover. We wanna make sure those beneficiaries are applied to that policy as well for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: I've limited scope in retirement. So, essentially, because you are getting closer to it, the way I've limited scope this year is that I've taken your projected outcome at the age of 65 and 67. So I project things like that in the back end for you, and then I look at essentially what we're looking at, how that drawdown might look with a little bit of a table for you. That drawdown can change, and it's just giving you an idea of where we're tracking for at the moment, but it gives us an idea of down the track. Do we need to implement other strategies or look at other options for strategies or increase contributions down the track?\n\nSo I'll show you essentially where we're up to with that tracking, and then we can talk about other things that we can also do down the track to help you guys along. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Areas that we've scoped out at the moment is essentially cash flow, savings, and debt. You guys are paying down your mortgage. You do hope to have that paid down, hopefully, by retirement. If you don't, we will help to make sure that, you know, you've got enough money coming out to supplement that. If you did need any additional advice in those areas down the track, let me know.\n\nWe'll just go to that house for now. Okay.\n\nChannel 1: Yeah. Yeah. Look.\n\nChannel 0: Excellent.\n\nChannel 1: To be to be honest yeah. To\n\nChannel 0: Yeah.\n\nChannel 1: be honest, our our plan around that time, if we were to do that, it would only be a short term thing because their plan around that time would be to potentially sell this price and and downsize, which\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: would would then potentially give us a a yeah. The money to buy a downsized property with\n\nChannel 0: Yeah.\n\nChannel 1: with with cash. So\n\nChannel 0: Yep.\n\nChannel 1: that would be the that would be our plan. But anyway,\n\nChannel 0: That's\n\nChannel 1: we'll cross\n\nChannel 0: perfect.\n\nChannel 1: that bridge when we get to it.\n\nChannel 0: Yeah. Absolutely. And when you get to that point, have a chat with me. We'll talk about what you've got, what, you know, you've got leftover, what your plans\n\nChannel 1: Yep.\n\nChannel 0: are, and we'll factor all of that in for you. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. You are still very young. You've got a lot of time ahead of you still. Don't worry.\n\nChannel 1: It's yeah. A few more few more opportunities that we model yet.\n\nChannel 0: Absolutely. Absolute and, look, I tell everyone, if I win, all of my clients will get a piece of pie. Don't you worry. Haven't yet won.\n\nChannel 1: Yeah. That's that's the hard part. Right?\n\nChannel 0: That is it. That is it. My husband reckons he's taking the numbers and just waiting his time like, yeah. We've been doing this for five years now. It's not happening anytime soon.\n\nChannel 1: Yep. And that'd be silly.\n\nChannel 0: Absolutely. What else, sir? If you can just run to page number eight there for me. I've got your assets and liabilities noted down as per our last conversation. I know with, like, your primary residence and car loans and credit cards and things, there can be some changes there.\n\nIs there anything that you would like me to have altered or changed in the back end, changes to liabilities or assets?\n\nChannel 1: No. I think that's pretty it's still pretty much on the mark.\n\nChannel 0: Yep. Beautiful. Fantastic.\n\nChannel 1: Yeah. Yeah. It's quite\n\nChannel 0: Excellent.\n\nChannel 1: it's close enough.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And we've got your super balances noted there as well. So, Colin and Deborah, you currently got $386,009.57 in super for yourself, Colin. And, Deborah, you've got $427,005.54. So everything is looking very up.\n\nAnd, honestly, just so you guys both know, your balances are above the annual average for most people of your age and state.\n\nChannel 1: Yes.\n\nChannel 0: So your balances\n\nChannel 1: Uh-huh.\n\nChannel 0: are very, very well. Deb, yours is actually a lot higher than the average person your own age for a female,\n\nChannel 1: And\n\nChannel 0: so\n\nChannel 1: then I I\n\nChannel 0: you\n\nChannel 1: keep\n\nChannel 0: can\n\nChannel 1: trying\n\nChannel 0: be really\n\nChannel 1: to catch\n\nChannel 0: proud\n\nChannel 1: it,\n\nChannel 0: of\n\nChannel 1: but\n\nChannel 0: that.\n\nChannel 1: I I keep trying to catch it, but I can't get there.\n\nChannel 0: We might have ways in the future. What I'd love\n\nChannel 1: Yeah.\n\nChannel 0: to sort of see is as we get closer to it to be able to even it out so your balances are even as possible. That way we can draw a little bit out of both of them, keep them\n\nChannel 1: Yeah.\n\nChannel 0: sort of on par, and then supplement with ink with Centrelink there as well. So that's what I would like to be able to help you guys to do. Okay.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent. The next couple of pages outline your current insurance policies. Colin, yours are all good. You were happy with all the policies\n\nChannel 1: Yeah.\n\nChannel 0: that you do have there. Page number nine, Deborah, is yours. You've got your life and CBD within the hub twenty four super there, and then you've got your income protection policy as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: You are both technically growth investors, so there's no change to your risk profile at the moment. And the growth portfolio tends to suit someone who has around about six years towards accessing their super. So you are definitely on par there. I\n\nChannel 1: Yes.\n\nChannel 0: will be move moving forward, and we don't have to do the risk profile every year, essentially. We do like to, but moving forward, we will talk a lot more about the risk level and where you are invested and how you're invested in your annual reviews to make sure that we are pinpointing when we need to start reducing that risk. I'm sure\n\nChannel 1: Yep.\n\nChannel 0: you both probably are well aware of what's been happening in the market this\n\nChannel 1: Yeah.\n\nChannel 0: year. There has been a lot of ups and downs, and that has made some people very, very nervous and reduced a lot of risk for a lot of my clients this year, especially in the older stage even\n\nChannel 1: Yep.\n\nChannel 0: before that six year mark sort of hits because people are a little bit nervous about how things are going. So that's completely fine and okay. And if there's ever anything that's concerning either of you, just let me know. This year, I've been leaving lots of that to my calendar for off the cuff phone calls. So if you guys call us at any point, you guys need to talk to Dana.\n\nI have some concerns about my super or the market. Come I'll always try to take the call. If for any reason I am on the phone, they will book you in. But the girls all know to come and ask me if I'm available first. So,\n\nChannel 1: Yeah.\n\nChannel 0: I try to make sure I'm available whenever you guys need. Okay?\n\nChannel 1: Yep. That's good.\n\nChannel 0: Excellent. If you can scroll down to page number 19 for me, I'll just start running through these recommendations with your super and the changes that I'd like to make for\n\nChannel 1: Yep.\n\nChannel 0: perfect. Sorry. If I start to lose my voice, I do apologize.\n\nChannel 1: Not here.\n\nChannel 0: So this one here is for yourself, Colin. So at the moment within your portfolio, I had a look at your super. I am recommending you both stay within hub twenty four. I did look at hub twenty four as well as the other super funds out there to make sure that everything was working, that you were in a good place.\n\nChannel 1: Yep.\n\nChannel 0: Hub twenty four is still a very appropriate super fund for you. With your\n\nChannel 1: Yep.\n\nChannel 0: portfolio, I had noticed that one of your investments has been underperforming a little bit, so I wanted to make some changes to your portfolio to make sure things are always working harder, especially at this point in your life. So I will be selling\n\nChannel 1: Yep.\n\nChannel 0: off the bank hybrid. While\n\nChannel 1: Yep.\n\nChannel 0: these are more of a defensive investment, they are actually being phased out by the government in around about 2028. So we are best to try remove them out of your portfolio now whilst we are looking to make changes rather than holding off and doing it down track when we have no option but to do it quickly. So\n\nChannel 1: Yeah.\n\nChannel 0: selling off the bank hybrids for you and removing that one. Global agriculture has been a great place to be invested over the past. However, I have found some other opportunities and wanna start removing that out of your portfolio. Has been a\n\nChannel 1: Yes.\n\nChannel 0: bit volatile this year. So we're gonna sell all the global agriculture off. Physical gold, we'll keep that in there, but we you've had some really great growth. The physical gold is essentially at a thirty year high. We have seen some\n\nChannel 1: Yes.\n\nChannel 0: ups and downs this year. In February, we saw a massive 18% drop in one day,\n\nChannel 1: Yep.\n\nChannel 0: and then in the recent weeks, it has had a little bit of a pullback. But, essentially, overall, your physical gold exposure is up, So we\n\nChannel 1: Yep.\n\nChannel 0: just wanna cement some of the gains you've received and spread those across your portfolio a bit more and bring back the level of physical gold so that you're not overexposed to any one particular area. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Cybersecurity has been a bit up and down with everything that's been going off between The US and Iran this year. Cybersecurity has had a bit of a sell, especially the tech side of things.\n\nChannel 1: Yep.\n\nChannel 0: Europe got about 7% at the moment. We only wanna hold about 5% there, so we're gonna sell some of that off and cement some of the gains and move that into some other areas for you as well.\n\nChannel 1: Yep.\n\nChannel 0: The S and P 500, we've got 500 companies within The US there. You've got a bit over 30% there at the moment. We wanna keep about 30%. We will be buying a bit more of that because when you look at your exposure now to what the portfolio needs to look like once we've done the changes, we'll just need to purchase a bit over 6,000 of that.\n\nChannel 1: Yep.\n\nChannel 0: There has been a lot of concern about The US with what's been going on, but, realistically, US markets are still performing very, very well. They've had a lot\n\nChannel 1: Yeah.\n\nChannel 0: of volatility, but we still get good returns.\n\nChannel 1: I've\n\nChannel 0: Yeah. Sorry.\n\nChannel 1: I've I've got no. Sorry. I was just gonna say I've got just a small number of shares in a company that I used to work for, which is US owned. And I I sort of keep an\n\nChannel 0: Yep.\n\nChannel 1: eye on them occasionally, and I've noticed that even with what's going on then, they're still going reasonably well.\n\nChannel 0: Absolutely. Yeah. And the thing I like about the this this like, the S and P 500 or the iShares S and P 500 is that it tracks the 500 top the sorry. The top 500 companies in The US. And\n\nChannel 1: Yep.\n\nChannel 0: at any one time, it can have anywhere between five hundred and five hundred and twenty companies\n\nChannel 1: Yep.\n\nChannel 0: and essentially attract the S and P 500 index. So for a company to be in that index, they actually have to meet a certain criteria. The makers of the index or the investment committee for the indices, they actually meet every quarter, and they determine what companies are eligible to be in there and which contract to be moved. So when companies are removed out, other companies are replaced. So you are always tracking the top 500 companies\n\nChannel 1: Yeah.\n\nChannel 0: in The US,\n\nChannel 1: I got\n\nChannel 0: which\n\nChannel 1: it.\n\nChannel 0: is which is\n\nChannel 1: Yeah.\n\nChannel 0: a benefit to you. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Understand.\n\nChannel 0: Excellent. We've got the beta shares Raffy a 200 in there tracking 200 of the top companies on the Australian market. That has been a great investment, but it is quite an expensive investment to hold. So we are looking to remove that out of the portfolio just to make sure that we can limit costs for you. One of the big things I wanted to look at was investment costs.\n\nIf I can reduce fees in your portfolio, that means that more money stays invested to you guys compounding towards your retirement. So\n\nChannel 1: Yeah.\n\nChannel 0: I'm gonna\n\nChannel 1: Yeah.\n\nChannel 0: remove that one out of there. The Bennelong Australian Equities, this investment has started underperforming pretty heavily, so I have made a decision to remove that from the investment. So Bennelong was originally put in everyone's portfolio because it's investment. So, essentially, the investment committee within Bennelong are trying to buy and sell and outperform against the market, but they haven't been able to do so. In a\n\nChannel 1: No.\n\nChannel 0: sense, they have been a bit up and down since 2020. So now I sorta had a really good look at things this year. They've underperformed very heavily. They've had a few issues, which meant that Benelongs had to be revalued, and the value that they act that the market actually saw them at was heavily lower than where they were this time\n\nChannel 1: Yeah.\n\nChannel 0: last year. So I've made a decision to remove that out of your portfolio. We did have\n\nChannel 1: Yep.\n\nChannel 0: the option of holding it and waiting for it to come back, but with the issues that Benelon have had within their portfolio and the fact that they haven't made any changes in the investment there just sort of shows that I don't think they're gonna come back. I've had a look at everything. I think they're gonna stay low for too long, and I don't think you have the time to wait for that to come back and and provide gains again. So it's best\n\nChannel 1: Yep.\n\nChannel 0: to remove that now. We'll cement the losses, and we'll put something else in its place and get that portfolio working a bit harder for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. We've got the ClearBridge infrastructure fund. This is more as an alternative sort of investment. It's good for income producing, but it is focused on an infrastructure. We are gonna remove that from the portfolio as well.\n\nIt's more of a themed investment. The idea is to try and get additional growth with having that in there. I've decided to remove that out and find a cheaper investment for you, still keeping exposure, but also making sure we're looking at diversification to lower overall risk of your portfolio. So ClearBridge has done very well in the past, and we just decided it's worth removing now and cementing\n\nChannel 1: Yep.\n\nChannel 0: those gains and putting them into other areas as to where we see changes in the market moving forward for you.\n\nChannel 1: Yep.\n\nChannel 0: So once we kind of sell all those investments and buy a bit more of the S and P 500, you'll essentially see your portfolio with 10 physical gold, 5% in cybersecurity, 30% in the S and P 500, and then we're also gonna purchase 8% into Europe. So it's giving you exposure into the top into all 16 European countries. We'll hold 8% there. 5%\n\nChannel 1: Yep.\n\nChannel 0: in Japan to give you some Japanese exposure.\n\nChannel 1: Mhmm.\n\nChannel 0: The all world ex US, so 8% of this investment, this is spreading diversification across the entire globe minus The US market, and that's because we\n\nChannel 1: Yep.\n\nChannel 0: have the S and P 500 above there. So one of the best ways to mitigate risk is to diversify, not just across one or two or three different countries, but across the entire globe. That means you're essentially buying into not only well established markets, but also some up and coming markets as well to give you greater diversification and overall risk mitigation. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Because we're removing the Raffy and the Benelong Australian equities, we still wanna hold Australian exposure, so we're buying into the beta shares a 200. This one here gives you exposure to the top 200 companies on Australian market. It's more of a passively managed investment, so it's lower costing, lower risk, and gives you greater diversification into the Australian market, which is really beneficial, and we wanna hold 20% there total of that investment for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And because we're looking at the your growth portfolio, we still wanna hold some defensive low risk investments, and we are removing those bank hybrids. We're going to put 14% into core composite funds. So this is giving you access to government and corporate bonds. Bonds are really good for income producing. Essentially, you're putting money into the bond, which is used for debt.\n\nSo companies and the government use these to a lend out money or to, you know, company use it for in building their own kind of in within the company, so growing the company, essentially, and\n\nChannel 1: Yep.\n\nChannel 0: you get income payments. So you'll see for the bonds like term deposits. Essentially, you're putting money into a term deposit within the bank. The bank is using that money to lend out to its lenders for home loans and personal loans. And because that money is then being lent on, they're giving you an interest rate on a regular basis, whether it be monthly, quarterly, or at the end of the year.\n\nBonds are exactly the same sort of thing. You're putting money or giving money to the company and or the government. They're utilizing that on to either build the company or to lend out. And because that money is being used and making them money, you're essentially receiving an income payment for doing so. And they called these attend these are paid on a monthly basis into your cash account, And all the bonds are in there.\n\nThey're all, like, triple a bonds. They're government corporate funds. They also have some notes and things in there as well. So it's a really great defensive investment. It's good for income producing there for you.\n\nI'm sorry. They do get a bit complex, so I try to keep it as simple as possible.\n\nChannel 1: You see? Yep.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: if you do if you do have more questions, I can go a lot more deeper for you. It's just\n\nChannel 1: No.\n\nChannel 0: not everyone's\n\nChannel 1: That's good.\n\nChannel 0: that interested.\n\nChannel 1: Yeah. No. Very very happy with that. That's good.\n\nChannel 0: Excellent. Excellent. All good. So that's essentially where you'll see your portfolio alterations at the moment. We have noticed that this year, there does need to be some changes to the portfolio, and it's really good to have these changes every now and then.\n\nEssentially, investments that are put in your portfolio one, two, three, or even five years ago do need to be updated every so\n\nChannel 1: Yeah.\n\nChannel 0: often. Sorry. Because markets change, trends change, and some investments do better than others as well. So it's always good to keep things working as hard as possible and updating your portfolio when\n\nChannel 1: Yeah.\n\nChannel 0: we need to. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. On the next page there, Colin, you'll see that you've got a cash account. So at the moment within Hub twenty four, your cash account is around about 3.4%. We only really wanna hold a minimum cash in our cash account\n\nChannel 1: Yeah.\n\nChannel 0: because you actually don't make anything from a cash account. It tends to cost you money. So you have about 13,000 there\n\nChannel 1: Yep.\n\nChannel 0: at the moment. We wanna invest about 8,388 and 81¢ just to bring it down to the minimum 1.25 requirement there. Okay?\n\nChannel 1: Yep. That makes sense.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. If you scroll down to page number 22, this shows you the reasoning that we're making those changes for you.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Sorry.\n\nChannel 1: No.\n\nChannel 0: So the the the fee comparison table then shows your current portfolio within hub twenty four, your current balance there, your administration fees, investment fees, your ongoing service fee for having us look looking after everything for you, your contributions going in, and your insurance premiums currently. You've also got that you're currently in the growth portfolio. The current growth portfolio is averaged about 9.78%, which is by no means bad in any way, shape, or form, but we want things to be working as hard as possible. So by making the changes, that newer portfolio has averaged 11.57%. So it can, if it gets this kind of return moving forward, put you in a much greater position moving forward because it's achieved a better past performance over the past five years.\n\nChannel 1: Yes.\n\nChannel 0: The other thing we do have to take into account is, as part of the research, is capital gains consequences. So just like you guys, your super fund does a tax return every single year. They do pay income tax, and they pay capital gains tax on investment switches and buying and selling as well. The the expected CGP for the changes is $2,092, so your super fund would account\n\nChannel 1: Yep.\n\nChannel 0: for that after it completes the switch.\n\nChannel 1: Yep.\n\nChannel 0: The benefits to doing this is that it does reduce your admin fees just slightly. So it does save about $310 of administration fees by making\n\nChannel 1: Yeah.\n\nChannel 0: these changes. And then it also the biggest seller is that it actually saves you $1,200 on investment fees. So this newer portfolio performs better, but it's also a much cheaper portfolio for you.\n\nChannel 1: Yeah. Nice.\n\nChannel 0: Yeah. Not bad.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. If you scroll to the next page, you'll see the projection table there. So we know projection tables, and I like to be honest, they are just a projection table based on all the factors that you see in the top table there. If the portfolio is able to achieve that 11% on a yearly basis over the next five to six years, this is essentially where you could see your super ending up. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. Do you have any questions so far? You're welcome to ask me anything you like thus far.\n\nChannel 1: No. That's no. That looks good.\n\nChannel 0: Yep. Beautiful. If you go to page number 24, Deborah, I've got yours for you now to make it easier.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I'll go a bit easier through the investments because we've kinda gone through and explained a lot of them.\n\nChannel 1: Yeah. I\n\nChannel 0: You\n\nChannel 1: think\n\nChannel 0: did\n\nChannel 1: most\n\nChannel 0: have\n\nChannel 1: of\n\nChannel 0: a\n\nChannel 1: them are\n\nChannel 0: lot of the same.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Yeah. Yeah. So, essentially, again, just selling off the bank hybrid there and the global agriculture, you had about 14.93% physical goals. So just bringing you back to 10%, cementing some of those gains.\n\nChannel 1: Yep.\n\nChannel 0: With the cybersecurity, about 7% there at the moment, so just selling that back to five percent total for you. And you've got a little bit low on the S and P 500, so we wanna increase that to 30% from '28. So a bit over 9,000 of the purchase into there for you. We're also removing the Raffi and the Benelong Estate in Equities investment, and then also the ClearBridge infrastructure. Again, we'll just sell all of that down for you.\n\nAnd then we'll\n\nChannel 1: Yes.\n\nChannel 0: invest you the same way. So 8% in the European exposure, 5% in Japan, 8% with the all world index, and then the sorry. 20% into the Australian 214% of the core composite bonds as well for you. So you guys will have a very much the same sort of portfolio, which is fantastic.\n\nChannel 1: Yes.\n\nChannel 0: Your cash at the moment is about the same. So you've got about 3.40%, which is about $13,000 there. So, again, about 8,000 is just gonna be invested to bring you back to the minimum cash account there. Okay.\n\nChannel 1: So it's so it's safe to say that that cache has crept up over time. Is that right?\n\nChannel 0: Absolutely. Yeah. Definitely.\n\nChannel 1: So how does\n\nChannel 0: Yeah.\n\nChannel 1: how does that happen?\n\nChannel 0: I\n\nChannel 1: Because\n\nChannel 0: don't\n\nChannel 1: I know this is really low. Right? So you would think that\n\nChannel 0: yeah.\n\nChannel 1: that would take a long time. Right?\n\nChannel 0: It it really should. I don't know exactly why it has happened.\n\nChannel 1: Yeah.\n\nChannel 0: I've been trying\n\nChannel 1: Don't\n\nChannel 0: to find\n\nChannel 1: don't\n\nChannel 0: out with\n\nChannel 1: get\n\nChannel 0: house\n\nChannel 1: me\n\nChannel 0: twenty\n\nChannel 1: wrong. I'm I'm\n\nChannel 0: four.\n\nChannel 1: yeah.\n\nChannel 0: No.\n\nChannel 1: I'm fine\n\nChannel 0: No.\n\nChannel 1: with it.\n\nChannel 0: I\n\nChannel 1: It's\n\nChannel 0: I\n\nChannel 1: just out of curiosity. That's all.\n\nChannel 0: yeah. No. Look. I honestly do agree with you because, realistically, House 24 are supposed to be doing and running cash every sort of month. Around the twentieth of every month, they run the cash account, and they invest\n\nChannel 1: Yeah.\n\nChannel 0: the funds. So there's only gonna be sort of two reasons as to why because they're still being running the cash account on a regular basis. The thing I think is what happened here is that because it's the end of the financial year, they've held a higher amount of cash to make sure they can cover the end of financial year tax things for\n\nChannel 1: Yeah.\n\nChannel 0: the fund\n\nChannel 1: Okay.\n\nChannel 0: itself. And\n\nChannel 1: Yeah.\n\nChannel 0: then because we're a little bit out from the twenty twentieth now, they haven't quite run that again. So they\n\nChannel 1: Yeah.\n\nChannel 0: actually had a bit of a between the June 21 to about the tenth of this month, they actually had a bit of a freeze because they had to report to the ATO and do end of financial year tax run. And then on\n\nChannel 1: Yes.\n\nChannel 0: the July 1, between the first and July 10, they had to report back to the ATO with balances to everyone as of the June 30. So I think\n\nChannel 1: Yes.\n\nChannel 0: that's just kinda pushed it back a little bit for now because I did have a look at this, and it seems to be something I'm finding quite a lot of. And I went back and had a really good look at the fund, and I was like, they're still running the cash every month. I think it's end of financial year process, and it kinda held it back a little bit this time around. So\n\nChannel 1: Yes. Yes.\n\nChannel 0: we'll just make sure that that is automatically invested for you, and we'll just make sure that they are consistently not increasing the cash that high for you. Because it is a lot of\n\nChannel 1: Yes.\n\nChannel 0: cash to hold. You wanna make sure that money is building you growth. You don't want it sitting in cash.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: yeah. No. Absolutely. Deborah, if you can go to page number 27 for me, I've got your fee\n\nChannel 1: Yeah.\n\nChannel 0: comparison table here as well.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So your balance is a little bit higher at $427,000 mark. Your administration fee is currently at 1,400, and investment fees is 2,139. The adviser fee and your contributions going in, and then we've also got your insurance premium there as well. The growth portfolio was the same, so it has been averaging 9.78% there, and the newer portfolios averaged 11.57%.\n\nSo that can put you in a much greater position if it's able to achieve this. And I'm really honest where I know that markets do go up and down. So some years will get, you know, a 15 or 20% return. Other years, we might only get a three or four percent return. This\n\nChannel 1: Yep.\n\nChannel 0: year is definitely a year where we have had much lower rates of return, but what we wanna do is take advantage of those downtime. So the years when we only get a two or 3% return or a negative return, because that definitely does happen every so often,\n\nChannel 1: Yeah.\n\nChannel 0: keeping your contributions going in. It's a downtime. I'm gonna be truly honest. I get excited in a negative return. I just go, woah.\n\nWe are down. Contributions are buying into those discounted investments. And when the market comes out of that downtime, we actually get greater growth from that, and it helps that compounding effect. So as\n\nChannel 1: Yeah.\n\nChannel 0: long as that downtime isn't the year before you retire or at the time you retire, we can try to take advantage of that. And I wanna make sure that we're reducing risk so I don't so you guys don't run into that, you know, problem the\n\nChannel 1: Yep.\n\nChannel 0: year before you retire or the year that you retire. Because that's when it can kind of make you really nervous. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. With the recommended, it does mean for the tax liability for your fund there, Deborah, we do expect the CGT to be $2,303. It reduces your administration fees by about $274 for the year, and it saves you $1,346 in investment fees, which fantastic. That's more money, and you're super working harder for you.\n\nThe balance does go down a little bit, so your adviser fee does get a little bit of a discount there. I've also, in the back end, looked to link everything together. So because you are both in Hub 24, and this is why I really enjoy doing this live together for you, I have to get clarification. What I would like to do is also link and the reason we're getting the discount on the admin fee is I'd like to link you both in the back end. That way, you get a family fee linking on your super funds, which reduces\n\nChannel 1: Yep.\n\nChannel 0: your administration fees and gives you these extra discounts. Are you both okay with that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. The other side of that is when you log in to Hub 24, once we link everything together, you'll actually both see both of your super accounts sitting there\n\nChannel 1: Not a\n\nChannel 0: on the\n\nChannel 1: problem\n\nChannel 0: same\n\nChannel 1: at all.\n\nChannel 0: the same account. Is that gonna be okay? Do you both\n\nChannel 1: Yeah.\n\nChannel 0: agree\n\nChannel 1: Yeah. That's\n\nChannel 0: to that?\n\nChannel 1: yeah. That's fine.\n\nChannel 0: Yes.\n\nChannel 1: Not a problem at all.\n\nChannel 0: Beautiful. The other thing I wanted to ask is I do offer all of my clients that are couples the opportunity to have what's called an external third party authority on file. So at the moment, even though you guys are together and everything will be linked up, I can only speak to each of you about your individual spaces. So, Colin, you can't call back Deborah's and vice versa. If\n\nChannel 1: Yes.\n\nChannel 0: I was to get you guys to sign an external third party authority, it does mean that, say, Colin, if you're in hospital or if Deborah's in hospital or someone can't get to the phone, you have questions, either of you can call us, and we can answer questions for you on each other's super accounts and with\n\nChannel 1: Yes.\n\nChannel 0: regard to each other's information. You can't transact or change anything, but it does give you, like, an option to inquire about what's happening. And it means\n\nChannel 1: Yes.\n\nChannel 0: that if someone's in hospital or something's happened, the other person can call us and give us that information, and we can liaise with them as well. Would you guys like me to organize that for you as well?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Yep. You're okay with that, Deborah?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. I just wanna get clarification because not everyone wants it. I do have plenty of couples that prefer to keep everything really separate, but it's just an option that you do have as well. So I can absolutely get those organized.\n\nMy team will send them through over the next few days and just get you to sign them electronically for us to keep on file for you. Okay?\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Excellent. At the bottom of that page, you do have your projected table there. So, Deborah, so long as your portfolio is able to repay me 11% on a yearly basis over the next five to seven years, you can essentially see where you're expected to be projected, give or take market conditions there as well. So it does put you in a much greater position and does save you on fees, which is fantastic. Okay.\n\nExcellent. Do\n\nChannel 1: Yep.\n\nChannel 0: you have any questions or any of that at all?\n\nChannel 1: Not all good. Thanks.\n\nChannel 0: No? Beautiful. Page number 29 is sort of where I look at the projected outcome for you. So, essentially, with this, we are looking at about 73,000 on a yearly basis. This sort of shows that between both of your supers and this is from this age of 60.\n\nI know you don't really wanna retire till a little bit later, but it does essentially show that we could draw out around about a 105,000 on a yearly basis and still\n\nChannel 1: Yep.\n\nChannel 0: have your super lasting till about age 89. So starting this\n\nChannel 1: Yes.\n\nChannel 0: at age 65 or 67 does give you further longevity. I'd like to build on this for you to make sure that it's always working harder, but this kinda shows that if you decide at 60 you've had enough of working, you wanna retire earlier, it can happen. It's projected that it can work for you. We\n\nChannel 1: Yep.\n\nChannel 0: just draw a little bit more out of super at the start, and then we look at age pension. Every time I do an advice document, I can always be updating these for you and showing you what the projected outcome is. Essentially, what I would like to do when we kind of get to 60, depending on whether you guys choose to keep working or not, there's other strategies that we can put in place. I'm not sure if I spoke to you last time about the transition to retirement strategies, and these aren't quite available until you turn 60. So 60 is a prime age.\n\nI'll tell you what.\n\nChannel 1: Yes.\n\nChannel 0: This sort of strategy allows you to increase your contributions into super up to the cap every year. And then because you're at 60, we're able to draw a little bit out of super. Essentially, to give you an idea, we might increase your contribution. To maximize the cap, we might need to put in $12,000 on a yearly basis. So we sell back more into your super fund.\n\nBut\n\nChannel 1: Yep.\n\nChannel 0: then because that is taken out of your pay pretax, we only need realistically need to draw out, say, give or take, about 6,000 on a on a, say, a a yearly basis to supplement your income. And the amount\n\nChannel 1: Yep.\n\nChannel 0: you draw out of super is fully tax free. So this increases contributions in. You draw a little bit out. It helps to reduce your income tax and boost your super. So when you\n\nChannel 1: Yeah.\n\nChannel 0: get to that point, I'll probably talk to you probably a year out just to say, hey. Are we looking at this? Do we wanna do it? We'll draw up the advice document based on your circumstances, show you how that looks like. And there's other really cool strategies that we can put into place to kind of boost super between 60 to sixty five and sixty seven to kinda give you that last\n\nChannel 1: Yep.\n\nChannel 0: little boost before you start drawing out. Okay? Beautiful. But this sort of shows you where we're\n\nChannel 1: Nice.\n\nChannel 0: sort of tracking based on circumstances, and it shows that you could realistically you only, at the moment, want about 73,000 for the year. That could definitely change, but this sort of shows you that, you know, we could realistically draw about a 105,000 out on a yearly basis and still have super working and supplement that would\n\nChannel 1: Yep.\n\nChannel 0: centrally based on your current circumstances there as well. Okay? Fantastic. Do you have any questions so far? Please let me know if you do.\n\nChannel 1: Not all good yet.\n\nChannel 0: Excellent. Beautiful. So, Colin, we are just going to the next page, Alan. We're just gonna retain all of your insurance policies. With the ClearView policy, we don't really have visibility on that.\n\nSo what we'd like to do is see if we can add a change of adviser form so we can sort of see on the portal. I don't know if they will do it or not, but it's worth giving it a crack. But we just\n\nChannel 1: Yeah.\n\nChannel 0: wanna sort of make sure that we have visibility of that policy to help you along and make changes as you need to.\n\nChannel 1: Yep. That's fine, buddy. No\n\nChannel 0: Okay?\n\nChannel 1: problem.\n\nChannel 0: Excellent. If you can scroll further down for me, sorry, to page number 34.\n\nChannel 1: I think it's a little it's a touch higher than that now, but not much. It's so just to\n\nChannel 0: Yeah.\n\nChannel 1: get back go back up the pipe. I think it's due about now. I was looking at it the other day.\n\nChannel 0: Yeah.\n\nChannel 1: I think it's, like, 223 a month or something now.\n\nChannel 0: Mhmm. Are you still\n\nChannel 1: Right.\n\nChannel 0: okay with the premium you're covering\n\nChannel 1: Yeah.\n\nChannel 0: for that? Do you need to sort of that's okay?\n\nChannel 1: No. That's\n\nChannel 0: Yes.\n\nChannel 1: fine. That's fine. It's well,\n\nChannel 0: Yes.\n\nChannel 1: it's it's peace\n\nChannel 0: Beautiful.\n\nChannel 1: of mind is what it is. So\n\nChannel 0: Yeah. Absolutely. Absolutely. I pay for all my insurances outside of super too, and the premiums got pretty high. But it's just peace of mind of knowing your family's looked after in the event\n\nChannel 1: Yes.\n\nChannel 0: something happens. So\n\nChannel 1: Yes.\n\nChannel 0: yeah. It's a difficult thing. This industry is one where we see a lot of that, and I talk every day about life insurance and passing away and estate planning and things like that. And it's it's I think of the statistics at the moment, about fifty percent of people passed away intestate without\n\nChannel 1: Yeah.\n\nChannel 0: wills in place. So it's a pretty big statistic at the moment. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: All good. So on page number 34 there, Deborah, we're looking at your insurance policy. So the first one there notes what you've got with retaining the insurance that you do hold within Superfast, your life, your PPD benefit, and your income protection policy.\n\nChannel 1: Yes.\n\nChannel 0: Your goal was essentially to try and pay the 6 to 700,000 off the mortgage in the event of your passing. We've essentially worked it out to try to make it the most the easiest essentially, the easiest figure possible. So we've subtracted your current life insurance and also your super benefit from that.\n\nChannel 1: Yep.\n\nChannel 0: And it essentially means that based on everything, we just need to apply for 675,000 of life cover, and we've chosen I always say this wrong, but Fortura. So Fortura is an insurance company. They're actually owned by Noble Oak, and you could Google them. Noble Oak have been around since 1877. They're not a well known insurer, but they are really, really easy to deal with.\n\nChannel 1: Yep.\n\nChannel 0: And they have offered the life cover. Because of your BMI, they would add a 75% loading onto the policy, but it means the yearly premium would be $980.55. This is paid for out of super for you, so it does mean that the insurance premiums do increase in super, but the fee comparison table at the top has also factored that in for you. And that\n\nChannel 1: Okay.\n\nChannel 0: essentially means that in the event of passing, you get this for the Fortuna policy paid out as well as the amount in hub twenty '4 and then your super balance paid on top of that. So we wanted to make sure that you guys are as covered as possible. It actually ends up giving you more than what your goal was with the 700,000, which is a benefit. And that way, in the event of something happens, Colin can pay out as much of the mortgage as absolutely possible and then take a bit of time to have a bit of a breather and grieve and work out what he wants to do moving forward. Okay?\n\nChannel 1: Yeah. That's good. Yep.\n\nChannel 0: Beautiful. The the life policy is covered up to age 65. Most insurance policies, like life policies, all kind of go longer. At the age of 65, they convert to out of pocket policies. Normally, with insurance policies, by the time you retire at age 60 or 65, we normally don't need these sorts of policies anymore.\n\nThe idea is we cancel them, and we have our insurances, sorry, our super to fall back on, and we should have enough in super and hopefully be fully debt free to not need insurances anymore. But income protection and PPD tend to cancel out at age 65. At 60\n\nChannel 1: Yes.\n\nChannel 0: five, the life policy, they convert to an out of super policy. So we stop paying inside super, and they allow us to continue holding the policy in our own name if we want to continue their board. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With\n\nChannel 1: So,\n\nChannel 0: all the insurance\n\nChannel 1: obviously, I think\n\nChannel 0: you know\n\nChannel 1: that\n\nChannel 0: what?\n\nChannel 1: the\n\nChannel 0: Sorry.\n\nChannel 1: plan would be\n\nChannel 0: Yeah.\n\nChannel 1: that the plan would be that we we, in theory, wouldn't need them once we get to that age. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Yeah. The the way we sort of look at it is when we're younger, we have higher mortgage. We've got a lower super balance, so we need more insurances.\n\nChannel 1: Yeah.\n\nChannel 0: But as we get closer to accessing super, we wanna have a higher super balance, hopefully, a lower debt level, and hopefully not need the insurances in those time it is. And that works out\n\nChannel 1: Yes.\n\nChannel 0: really well because insurances do get more expensive. All these premiums are set, and that essentially means that the older you get, the more you risk actually making a claim, the more the insurance has become more expensive. And that's why we wanna when we do reviews, we review the level of cover you have, but also how much you're paying for those. Because\n\nChannel 1: Yeah.\n\nChannel 0: one of the biggest things is that insurances actually affect how much we have in through for the end of at our\n\nChannel 1: Yeah.\n\nChannel 0: retirement.\n\nChannel 1: Of course.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: I\n\nChannel 0: wanna\n\nChannel 1: understand.\n\nChannel 0: make sure that we're not eating that away. Absolutely.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. I have seen some people with insurance policies at the age of 60, and they're paying about 20 or $30,000 for them. So these insurance policies\n\nChannel 1: Yeah.\n\nChannel 0: can get very expensive. So I wanna make sure you guys have a fantastic retirement and don't\n\nChannel 1: Yep.\n\nChannel 0: end up eating it all away. Okay?\n\nChannel 1: Yeah. You don't wanna you don't wanna bank on file. That's for sure.\n\nChannel 0: Absolutely. Absolutely. The last sort of part of the recommendations is down on page number 40 for you. So it's just in relation to the new future life insurance policy there. So just making sure we do have a beneficiary nomination applied to that one.\n\nJust making sure in the event of passing that the policy is paid out to yourself, Colin. So we'll add it\n\nChannel 1: Yes.\n\nChannel 0: as a binding nonlapsing nomination and note all of your information on there. We'll send it out to you. You guys can sign it, have it witnessed, and send back to us so we can have that applied for you.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Excellent. To get the application in place, Deborah, just to let you know, we will need to go through a insurance application with you. Once you guys are happy with the advice, you've had a bit of a read through it and mull it over because I know I go through a lot. So take some time, have a cup of tea, and ring it over if you like.\n\nChannel 1: Yeah.\n\nChannel 0: If you have any questions, come back and let me know, and my colleague, Jack, will walk in to go through the application with you for the life policy. He is really good and sweet and does a fantastic job. And if you decide you prefer someone else, I can always get one of the girls to do it. I just like to make sure that everyone's\n\nChannel 1: No.\n\nChannel 0: comfortable going through those questionnaires. All good? Beautiful. Excellent. I've also made a recommendation in there to make sure that you do do up a will and power of attorney.\n\nThe beneficiaries do sort of look after all of your inside data and life insurance policies, but I do also like to add this into the estate planning side of things to make sure that having a will and a power of attorney done up to protect everything else you guys have worked hard for outside of super, that's your house and your savings and your cars and everything else, and having a power of attorney done up as well to make sure that in the event that you can't make decisions for yourself, that you've appointed somebody else that can make financial and or personal and medical decisions for you. So, normally, power of attorney is set up for each of you, but then in the event that something happens to both of you, who else do you want to act on your behalf? And taking the services of a solicitor is really important to have those done up as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. And then on page number 49, I have a sensitive remuneration side of things. So with the advice, this is all being provided complimentary as part of your ongoing service agreement. You do pay out the ongoing service fee. It's 1.10% because you both are clients.\n\nThat's per year, and then our fee is deducted in smaller monthly increments. That's all noted in here and has been accounted for as part of the advice. With the Fortura policy, once we set that up, we do receive remuneration from insurance companies, and that by no means has any reflection on how or why I've made this recommendation. Essentially, this is in your best interest. And as you guys read it through, you'll see the best interest, Judy.\n\nSo I relate that back to your goals and how and why I'm making the recommendations. But we do receive 66% of the first year's premium and 22% they're ongoing. And it's clear if you do allow us to add that change of adviser form and 22% they're ongoing as well from them. So it's by no means the reason for our recommendation, but we like to disclose everything that we do receive\n\nChannel 1: Yep.\n\nChannel 0: just so you are fully aware. But I work under the corporations act and under the best interest duty as part of section nine two one b of the corporations act. So\n\nChannel 1: Yep.\n\nChannel 0: everything I do has to be in your best interest, and under best interest duty, if your needs come into that conflict of the business of my bosses, I have to put you first. So I'm I'm very\n\nChannel 1: Yep.\n\nChannel 0: passionate about that, and I wanna make sure you guys are looked after a 110%. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. That is a lot, and I fully understand. So either of you have any questions at the moment?\n\nChannel 1: No. I'm all good. Thanks.\n\nChannel 0: No? Excellent. Excellent. All good. Feel free to take some time to read it through.\n\nAttached to the the the Odo sign there as well, I do also have your ongoing service agreement for the next twelve months. They just need to be updated as well. So you're happy to stay on board and have us implement everything for you. I am making sure that we do catch up moving forward. Last year was a little bit difficult with everything, but I'm myself and my colleague, Samantha, who you probably spoke to the other day, are making sure everyone does get their catch ups in there.\n\nAnd I know you guys prefer you later in the evening because you've worked so hard. Did you want me to do catch ups with you every three or six months? Moving forward, what would you like to see?\n\nChannel 1: Definitely not three. I think six at the most.\n\nChannel 0: Six months?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. Perfect. Easy. What I can do is I can do a catch up for you.\n\nIt'll probably be December because we're\n\nChannel 1: Yeah.\n\nChannel 0: July, so I'll do one just before the end of the year for you before we all go away on Christmas break. And then at that point, if you decide you wanna alter them to, you know, three months or the twelve months, you can let me know what you'd like to do. We can always alter and change the schedule. Just wanna make sure we do catch up with you guys, especially as you are, you know, getting closer to retirement. Just making sure that we're keeping up to date with what's happening, any changes in your life, updating advice, and especially the risk profile moving forward for you.\n\nOkay?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Excellent. And if you really enjoy reading, attached to the Odoo sign up, also got the product disclosure statements for Hub twenty four and for Fortura. We've got the Okey financial services guide for you as well and the appendices that outlines any additional research that I was able to do for you. So depending on how much reading you enjoy doing, that's all for you, but please take some time to read through the advice document. Let me know if you do happen to have any questions, and if you are happy just take on the recommendations.\n\nI'll get you to sign and return those back there for me. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. I really appreciate your time this evening. Thank you so much for taking my call. You've had a long day at work, so you're probably both exhausted and ready to have a sit down.\n\nChannel 1: Now I've just signed it, and I'm clicking\n\nChannel 0: Yep.\n\nChannel 1: next, and it keeps\n\nChannel 0: Yep.\n\nChannel 1: sending me to a multiline.\n\nChannel 0: Yep. So with that one there, that is just in case you don't wish to take on any part of the recommendations, you're allowed to pop that in there. If it's asking you to do anything with that, you can just put NA if you're happy to take on all the recommendations.\n\nChannel 1: Okay. Now it's letting me do it.\n\nChannel 0: Yep. Beautiful. Yeah. We put that text box in there now just in case there's any sections that someone doesn't wanna take or implement. It just allows you to make a little comment there.\n\nThat's all. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Easy.\n\nChannel 1: Not\n\nChannel 0: Beautiful.\n\nChannel 1: letting me sign.\n\nChannel 0: Is it just\n\nChannel 1: It's\n\nChannel 0: click\n\nChannel 1: taking me to\n\nChannel 0: is\n\nChannel 1: their\n\nChannel 0: there\n\nChannel 1: consent to renewal on ongoing fee arrangement.\n\nChannel 0: yep. And press that button.\n\nChannel 1: It hasn't given me a button. It just says next\n\nChannel 0: Oh.\n\nChannel 1: document. Oh, here we go. Click start.\n\nChannel 0: Yep.\n\nChannel 1: Signature.\n\nChannel 0: So\n\nChannel 1: Here\n\nChannel 0: sorry.\n\nChannel 1: we go. Yep.\n\nChannel 0: About\n\nChannel 1: Done.\n\nChannel 0: that, it\n\nChannel 1: Next\n\nChannel 0: should\n\nChannel 1: document.\n\nChannel 0: it should have a little signature button there for you. Oh goodness.\n\nChannel 1: You're Clear for your license. That's not that's not me. No. That's me.\n\nChannel 0: Yes. Probably.\n\nChannel 1: I think I'm done. Yeah. You will get the signed document. Okay. Done.\n\nChannel 0: Beautiful. Thank you so much for that. I will\n\nChannel 1: That's\n\nChannel 0: let\n\nChannel 1: alright.\n\nChannel 0: you both go. If you have any trouble, let me know. And,\n\nChannel 1: Yep.\n\nChannel 0: yeah, look, have a really good night. I hope you both get to put your feet up, enjoy some dinner, and relax.\n\nChannel 1: Thank you. You you too. Thanks so much.\n\nChannel 0: All good. Thanks. Thank you\n\nChannel 1: Thank\n\nChannel 0: for your\n\nChannel 1: you.\n\nChannel 0: time. Have a great\n\nChannel 1: See\n\nChannel 0: night.\n\nChannel 1: you.\n\nChannel 0: See\n\nChannel 1: You\n\nChannel 0: you\n\nChannel 1: too.\n\nChannel 0: later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.10521858185529707},{"text":"Good evening.","start":0.48,"end":1.22,"sentiment":"neutral","sentiment_score":0.2553846165537834}],"sentiment":"neutral","sentiment_score":0.20532927165428796,"channel":1,"num_words":3,"start":0.24,"end":1.22},{"sentences":[{"text":"Hi, Deborah.","start":2.0,"end":2.72,"sentiment":"neutral","sentiment_score":0.22321437299251556},{"text":"It's Dana from Okies Financial.","start":2.72,"end":4.42,"sentiment":"neutral","sentiment_score":0.2308180719614029},{"text":"How are you this evening?","start":4.56,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2739443898200989}],"sentiment":"neutral","sentiment_score":0.24752008790771166,"channel":0,"num_words":12,"start":2.0,"end":5.7799997},{"sentences":[{"text":"Good.","start":6.0,"end":6.24,"sentiment":"positive","sentiment_score":0.4839778244495392},{"text":"Thanks.","start":6.24,"end":6.56,"sentiment":"positive","sentiment_score":0.5346508622169495},{"text":"How are you?","start":6.56,"end":7.46,"sentiment":"neutral","sentiment_score":0.31407779455184937}],"sentiment":"positive","sentiment_score":0.39217241406440734,"channel":1,"num_words":5,"start":6.0,"end":7.46},{"sentences":[{"text":"I'm very well.","start":7.8399997,"end":8.88,"sentiment":"positive","sentiment_score":0.5776771704355875},{"text":"Thank you.","start":8.88,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6354874968528748},{"text":"I had yourself and Colin both booked in to go through your updated advice page.","start":9.5199995,"end":13.44,"sentiment":"neutral","sentiment_score":0.15574931601683298},{"text":"Isn't now still a good time there for you both?","start":13.44,"end":15.86,"sentiment":"neutral","sentiment_score":0.08553274504374712}],"sentiment":"neutral","sentiment_score":0.20651912319008262,"channel":0,"num_words":30,"start":7.8399997,"end":15.86},{"sentences":[{"text":"Yeah.","start":16.005,"end":16.244999,"sentiment":"neutral","sentiment_score":0.08946521580219269},{"text":"That's fine.","start":16.244999,"end":16.885,"sentiment":"neutral","sentiment_score":0.15587101131677628},{"text":"We're both here.","start":16.885,"end":17.865,"sentiment":"neutral","sentiment_score":0.1766003966331482},{"text":"Hey.","start":18.404999,"end":18.904999,"sentiment":"neutral","sentiment_score":0.2181849479675293}],"sentiment":"neutral","sentiment_score":0.16417048232895987,"channel":1,"num_words":7,"start":16.005,"end":18.904999},{"sentences":[{"text":"Oh, fantastic.","start":18.455,"end":19.195,"sentiment":"positive","sentiment_score":0.4635029137134552}],"sentiment":"positive","sentiment_score":0.4635029137134552,"channel":0,"num_words":2,"start":18.455,"end":19.195},{"sentences":[{"text":"Hey.","start":19.045,"end":19.365,"sentiment":"neutral","sentiment_score":0.2866804003715515}],"sentiment":"neutral","sentiment_score":0.2866804003715515,"channel":1,"num_words":1,"start":19.045,"end":19.365},{"sentences":[{"text":"Hi.","start":19.335001,"end":19.835001,"sentiment":"neutral","sentiment_score":0.30772271752357483}],"sentiment":"neutral","sentiment_score":0.30772271752357483,"channel":0,"num_words":1,"start":19.335001,"end":19.835001},{"sentences":[{"text":"How are you?","start":19.365,"end":20.265,"sentiment":"neutral","sentiment_score":0.27102396885554}],"sentiment":"neutral","sentiment_score":0.27102396885554,"channel":1,"num_words":3,"start":19.365,"end":20.265},{"sentences":[{"text":"I'm good.","start":20.455,"end":21.015,"sentiment":"positive","sentiment_score":0.42549073696136475},{"text":"Thanks, Colin.","start":21.015,"end":21.655,"sentiment":"positive","sentiment_score":0.49166858196258545},{"text":"How's your day?","start":21.655,"end":22.635,"sentiment":"positive","sentiment_score":0.3346803883711497}],"sentiment":"positive","sentiment_score":0.4054799718516214,"channel":0,"num_words":7,"start":20.455,"end":22.635},{"sentences":[{"text":"Yeah.","start":22.805,"end":23.125,"sentiment":"neutral","sentiment_score":0.1522032767534256},{"text":"Not too bad.","start":23.125,"end":24.105,"sentiment":"neutral","sentiment_score":0.20052545269330344}],"sentiment":"neutral","sentiment_score":0.18844490870833397,"channel":1,"num_words":4,"start":22.805,"end":24.105},{"sentences":[{"text":"Oh, fantastic.","start":24.615,"end":25.595001,"sentiment":"positive","sentiment_score":0.42795896530151367},{"text":"What I'm gonna do is I'm gonna send you an email to you with the advice document attached.","start":26.455,"end":30.449999,"sentiment":"neutral","sentiment_score":0.15309193688962194},{"text":"Now you both do get a copy, but you're welcome just to open it up so you can both look at the same one if it's easier for you.","start":30.449999,"end":36.629997,"sentiment":"neutral","sentiment_score":0.16786291732870298},{"text":"I've","start":37.09,"end":37.41,"sentiment":"neutral","sentiment_score":0.0698646754026413}],"sentiment":"neutral","sentiment_score":0.170989241451025,"channel":0,"num_words":50,"start":24.615,"end":37.41},{"sentences":[{"text":"Yep.","start":37.14,"end":37.64,"sentiment":"neutral","sentiment_score":0.06817752122879028}],"sentiment":"neutral","sentiment_score":0.06817752122879028,"channel":1,"num_words":1,"start":37.14,"end":37.64},{"sentences":[{"text":"just pressed send on that 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you are definitely on par there.","start":709.47504,"end":711.41504,"sentiment":"positive","sentiment_score":0.41035312839916777},{"text":"I","start":711.795,"end":711.955,"sentiment":"neutral","sentiment_score":0.11332252621650696}],"sentiment":"neutral","sentiment_score":0.23485193228305773,"channel":0,"num_words":43,"start":697.69,"end":711.955},{"sentences":[{"text":"Yes.","start":711.875,"end":712.375,"sentiment":"neutral","sentiment_score":0.16781401634216309}],"sentiment":"neutral","sentiment_score":0.16781401634216309,"channel":1,"num_words":1,"start":711.875,"end":712.375},{"sentences":[{"text":"will be move moving forward, and we don't have to do the risk profile every year, essentially.","start":711.955,"end":716.115,"sentiment":"neutral","sentiment_score":0.11284972551990957},{"text":"We do like to, but moving forward, we will talk a lot more about the risk level and where you are invested and how you're invested in your annual reviews to make sure that we are pinpointing 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this","start":728.65,"end":732.41003,"sentiment":"neutral","sentiment_score":0.010632527859083243}],"sentiment":"neutral","sentiment_score":0.010632527859083243,"channel":0,"num_words":14,"start":728.65,"end":732.41003},{"sentences":[{"text":"Yeah.","start":732.285,"end":732.785,"sentiment":"neutral","sentiment_score":-0.014219051226973534}],"sentiment":"neutral","sentiment_score":-0.014219051226973534,"channel":1,"num_words":1,"start":732.285,"end":732.785},{"sentences":[{"text":"year.","start":732.41003,"end":732.91003,"sentiment":"neutral","sentiment_score":-0.0354594886302948},{"text":"There has been a lot of ups and downs, and that has made some people very, very nervous and reduced a lot of risk for a lot of my clients this year, especially in the older stage even","start":733.15497,"end":742.755,"sentiment":"neutral","sentiment_score":-0.11838462703714245}],"sentiment":"neutral","sentiment_score":-0.11625834143696687,"channel":0,"num_words":39,"start":732.41003,"end":742.755},{"sentences":[{"text":"Yep.","start":742.685,"end":743.185,"sentiment":"neutral","sentiment_score":-0.03932961076498032}],"sentiment":"neutral","sentiment_score":-0.03932961076498032,"channel":1,"num_words":1,"start":742.685,"end":743.185},{"sentences":[{"text":"before that six year mark sort of hits because people are a little bit nervous about how things are going.","start":742.755,"end":748.16003,"sentiment":"neutral","sentiment_score":-0.11429540738463402},{"text":"So that's completely fine and okay.","start":748.16003,"end":750.39996,"sentiment":"neutral","sentiment_score":0.27641596645116806},{"text":"And if there's ever anything that's concerning either of you, just let me know.","start":750.39996,"end":754.57996,"sentiment":"neutral","sentiment_score":0.04564766293125493},{"text":"This year, I've been leaving lots of that to my calendar for off the cuff phone calls.","start":755.12,"end":759.27997,"sentiment":"neutral","sentiment_score":0.056178231449688185},{"text":"So if you guys call us at any point, you guys need to talk to Dana.","start":759.27997,"end":762.32,"sentiment":"neutral","sentiment_score":0.05563191743567586}],"sentiment":"neutral","sentiment_score":0.025435555420101504,"channel":0,"num_words":73,"start":742.755,"end":762.32},{"sentences":[{"text":"I have some concerns about my super or the market.","start":762.32,"end":764.885,"sentiment":"neutral","sentiment_score":-0.08710453361272812},{"text":"Come I'll always try to take the call.","start":765.505,"end":767.505,"sentiment":"neutral","sentiment_score":0.03724010614678264},{"text":"If for any reason I am on the phone, they will book you in.","start":767.505,"end":770.705,"sentiment":"neutral","sentiment_score":0.046199463840041845},{"text":"But the girls all know to come and ask me if I'm available first.","start":770.945,"end":774.305,"sentiment":"neutral","sentiment_score":0.05974494266722884},{"text":"So,","start":774.305,"end":774.705,"sentiment":"neutral","sentiment_score":0.05476905032992363}],"sentiment":"neutral","sentiment_score":0.02052906924422751,"channel":0,"num_words":47,"start":762.32,"end":774.705},{"sentences":[{"text":"Yeah.","start":774.86,"end":775.36,"sentiment":"neutral","sentiment_score":0.08612938225269318}],"sentiment":"neutral","sentiment_score":0.08612938225269318,"channel":1,"num_words":1,"start":774.86,"end":775.36},{"sentences":[{"text":"I try to make sure I'm available whenever you guys need.","start":774.865,"end":777.825,"sentiment":"neutral","sentiment_score":0.0922807902097702},{"text":"Okay?","start":777.825,"end":778.325,"sentiment":"neutral","sentiment_score":0.08517175912857056}],"sentiment":"neutral","sentiment_score":0.09168837095300357,"channel":0,"num_words":12,"start":774.865,"end":778.325},{"sentences":[{"text":"Yep.","start":778.13995,"end":778.63995,"sentiment":"neutral","sentiment_score":0.16220030188560486},{"text":"That's good.","start":778.7,"end":779.6,"sentiment":"positive","sentiment_score":0.4661099761724472}],"sentiment":"positive","sentiment_score":0.36480675141016644,"channel":1,"num_words":3,"start":778.13995,"end":779.6},{"sentences":[{"text":"Excellent.","start":779.85004,"end":780.35004,"sentiment":"neutral","sentiment_score":0.021410975605249405},{"text":"If you can scroll down to page number 19 for me, I'll just start running through these recommendations with your super and the changes that I'd like to make for","start":780.73004,"end":788.43005,"sentiment":"neutral","sentiment_score":0.21830044786135355}],"sentiment":"neutral","sentiment_score":0.21194917456276954,"channel":0,"num_words":31,"start":779.85004,"end":788.43005},{"sentences":[{"text":"Yep.","start":790.845,"end":791.345,"sentiment":"neutral","sentiment_score":0.21791313588619232}],"sentiment":"neutral","sentiment_score":0.21791313588619232,"channel":1,"num_words":1,"start":790.845,"end":791.345},{"sentences":[{"text":"perfect.","start":792.90497,"end":793.40497,"sentiment":"positive","sentiment_score":0.5667258501052856},{"text":"Sorry.","start":793.70496,"end":793.945,"sentiment":"neutral","sentiment_score":-0.06764756143093109},{"text":"If I start to lose my voice, I do apologize.","start":793.945,"end":795.96497,"sentiment":"neutral","sentiment_score":-0.28860618025064466}],"sentiment":"neutral","sentiment_score":-0.19891529281934103,"channel":0,"num_words":12,"start":792.90497,"end":795.96497},{"sentences":[{"text":"Not here.","start":796.365,"end":797.105,"sentiment":"neutral","sentiment_score":-0.11784124746918678}],"sentiment":"neutral","sentiment_score":-0.11784124746918678,"channel":1,"num_words":2,"start":796.365,"end":797.105},{"sentences":[{"text":"So this one here is for yourself, Colin.","start":798.745,"end":800.505,"sentiment":"neutral","sentiment_score":0.03244346473366022},{"text":"So at the moment within your portfolio, I had a look at your super.","start":800.505,"end":803.88495,"sentiment":"neutral","sentiment_score":0.14346668337072646},{"text":"I am recommending you both stay within hub twenty four.","start":804.38,"end":807.02,"sentiment":"neutral","sentiment_score":0.2858818158507347},{"text":"I did look at hub twenty four as well as the other super funds out there to make sure that everything was working, that you were in a good place.","start":807.02,"end":813.44,"sentiment":"positive","sentiment_score":0.39946288069089253}],"sentiment":"neutral","sentiment_score":0.2759804171660254,"channel":0,"num_words":62,"start":798.745,"end":813.44},{"sentences":[{"text":"Yep.","start":813.815,"end":814.315,"sentiment":"positive","sentiment_score":0.4244381785392761}],"sentiment":"positive","sentiment_score":0.4244381785392761,"channel":1,"num_words":1,"start":813.815,"end":814.315},{"sentences":[{"text":"Hub twenty four is still a very appropriate super fund for you.","start":813.82,"end":817.52,"sentiment":"positive","sentiment_score":0.5588041245937347},{"text":"With your","start":817.815,"end":818.215,"sentiment":"neutral","sentiment_score":0.12782269343733788}],"sentiment":"positive","sentiment_score":0.49723534871424946,"channel":0,"num_words":14,"start":813.82,"end":818.215},{"sentences":[{"text":"Yep.","start":818.135,"end":818.635,"sentiment":"neutral","sentiment_score":0.0609869658946991}],"sentiment":"neutral","sentiment_score":0.0609869658946991,"channel":1,"num_words":1,"start":818.135,"end":818.635},{"sentences":[{"text":"portfolio, I had noticed that one of your investments has been underperforming a little bit, so I wanted to make some changes to your portfolio to make sure things are always working harder, especially at this point in your life.","start":818.215,"end":828.955,"sentiment":"neutral","sentiment_score":-0.08701550289988517},{"text":"So I will be selling","start":829.735,"end":831.09503,"sentiment":"neutral","sentiment_score":-0.07006916254758835}],"sentiment":"neutral","sentiment_score":-0.08513257619407442,"channel":0,"num_words":45,"start":818.215,"end":831.09503},{"sentences":[{"text":"Yep.","start":831.02,"end":831.52,"sentiment":"neutral","sentiment_score":-0.07226387411355972}],"sentiment":"neutral","sentiment_score":-0.07226387411355972,"channel":1,"num_words":1,"start":831.02,"end":831.52},{"sentences":[{"text":"off the bank hybrid.","start":831.09503,"end":832.235,"sentiment":"neutral","sentiment_score":-0.0937619786709547},{"text":"While","start":833.06,"end":833.38,"sentiment":"neutral","sentiment_score":-0.05292447283864021}],"sentiment":"neutral","sentiment_score":-0.08559447750449181,"channel":0,"num_words":5,"start":831.09503,"end":833.38},{"sentences":[{"text":"Yep.","start":833.33997,"end":833.83997,"sentiment":"neutral","sentiment_score":-0.06687308847904205}],"sentiment":"neutral","sentiment_score":-0.06687308847904205,"channel":1,"num_words":1,"start":833.33997,"end":833.83997},{"sentences":[{"text":"these are more of a defensive investment, they are actually being phased out by the government in around about 2028.","start":833.38,"end":839.94,"sentiment":"neutral","sentiment_score":-0.19587005078792571},{"text":"So we are best to try remove them out of your portfolio now whilst we are looking to make changes rather than holding off and doing it down track when we have no option but to do it quickly.","start":839.94,"end":851.21497,"sentiment":"neutral","sentiment_score":-0.12416712791682818},{"text":"So","start":851.675,"end":851.995,"sentiment":"neutral","sentiment_score":0.03971333801746368}],"sentiment":"neutral","sentiment_score":-0.14533676110828916,"channel":0,"num_words":60,"start":833.38,"end":851.995},{"sentences":[{"text":"Yeah.","start":851.805,"end":852.305,"sentiment":"neutral","sentiment_score":0.037028294056653976}],"sentiment":"neutral","sentiment_score":0.037028294056653976,"channel":1,"num_words":1,"start":851.805,"end":852.305},{"sentences":[{"text":"selling off the bank hybrids for you and removing that one.","start":851.995,"end":855.21497,"sentiment":"neutral","sentiment_score":0.02133791453459046},{"text":"Global agriculture has been a great place to be invested over the past.","start":855.595,"end":859.27496,"sentiment":"positive","sentiment_score":0.34817990775291735},{"text":"However, I have found some other opportunities and wanna start removing 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got the beta shares Raffy a 200 in there tracking 200 of the top companies on the Australian market.","start":1027.715,"end":1034.57,"sentiment":"neutral","sentiment_score":0.1738738313317299},{"text":"That has been a great investment, but it is quite an expensive investment to hold.","start":1035.19,"end":1039.03,"sentiment":"neutral","sentiment_score":-0.06318918367226918},{"text":"So we are looking to remove that out of the portfolio just to make sure that we can limit costs for you.","start":1039.03,"end":1046.265,"sentiment":"neutral","sentiment_score":-0.0257996679707007},{"text":"One of the big things I wanted to look at was investment costs.","start":1046.265,"end":1049.625,"sentiment":"neutral","sentiment_score":-0.02435003908780905}],"sentiment":"neutral","sentiment_score":0.030154325802561263,"channel":0,"num_words":71,"start":1026.755,"end":1049.625},{"sentences":[{"text":"If I can reduce fees in your portfolio, that means that more money stays invested to you guys 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gonna","start":1057.625,"end":1058.185,"sentiment":"neutral","sentiment_score":-0.02413356304168701}],"sentiment":"neutral","sentiment_score":-0.02413356304168701,"channel":0,"num_words":2,"start":1057.625,"end":1058.185},{"sentences":[{"text":"Yeah.","start":1058.005,"end":1058.505,"sentiment":"neutral","sentiment_score":-0.02749548107385635}],"sentiment":"neutral","sentiment_score":-0.02749548107385635,"channel":1,"num_words":1,"start":1058.005,"end":1058.505},{"sentences":[{"text":"remove that one out of there.","start":1058.185,"end":1059.885,"sentiment":"neutral","sentiment_score":-0.07775207546850045},{"text":"The Bennelong Australian Equities, this investment has started underperforming pretty heavily, so I have made a decision to remove that from the investment.","start":1060.22,"end":1068.9601,"sentiment":"neutral","sentiment_score":-0.14468809735515845},{"text":"So Bennelong was originally put in everyone's portfolio because it's 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time","start":1092.98,"end":1103.865,"sentiment":"neutral","sentiment_score":-0.28555018944399696}],"sentiment":"neutral","sentiment_score":-0.21955628332401078,"channel":0,"num_words":63,"start":1085.125,"end":1103.865},{"sentences":[{"text":"Yeah.","start":1103.86,"end":1104.36,"sentiment":"neutral","sentiment_score":-0.1227666586637497}],"sentiment":"neutral","sentiment_score":-0.1227666586637497,"channel":1,"num_words":1,"start":1103.86,"end":1104.36},{"sentences":[{"text":"last year.","start":1103.865,"end":1104.605,"sentiment":"neutral","sentiment_score":-0.1649697721004486},{"text":"So I've made a decision to remove that out of your portfolio.","start":1105.225,"end":1108.125,"sentiment":"neutral","sentiment_score":-0.1711436261733373},{"text":"We did have","start":1108.505,"end":1109.145,"sentiment":"neutral","sentiment_score":-0.1053674543897311}],"sentiment":"neutral","sentiment_score":-0.15880973067353754,"channel":0,"num_words":17,"start":1103.865,"end":1109.145},{"sentences":[{"text":"Yep.","start":1109.015,"end":1109.515,"sentiment":"neutral","sentiment_score":-0.09531772136688232}],"sentiment":"neutral","sentiment_score":-0.09531772136688232,"channel":1,"num_words":1,"start":1109.015,"end":1109.515},{"sentences":[{"text":"the option of holding it and waiting for it to come back, but with the issues that Benelon have had within their portfolio and the fact that they haven't made any changes in the investment there just sort of shows that I don't think they're gonna come back.","start":1109.145,"end":1121.8999,"sentiment":"neutral","sentiment_score":-0.28008999101196724},{"text":"I've had a look at everything.","start":1121.8999,"end":1123.1799,"sentiment":"neutral","sentiment_score":-0.07764584136505921},{"text":"I think they're gonna stay low for too long, and I don't think you have the time to wait for that to come back and and provide gains again.","start":1123.1799,"end":1130.94,"sentiment":"negative","sentiment_score":-0.4264579949707821},{"text":"So it's best","start":1130.94,"end":1131.58,"sentiment":"neutral","sentiment_score":-0.2691650291283925}],"sentiment":"neutral","sentiment_score":-0.3149415297477051,"channel":0,"num_words":86,"start":1109.145,"end":1131.58},{"sentences":[{"text":"Yep.","start":1131.4401,"end":1131.9401,"sentiment":"neutral","sentiment_score":-0.2569631040096283}],"sentiment":"neutral","sentiment_score":-0.2569631040096283,"channel":1,"num_words":1,"start":1131.4401,"end":1131.9401},{"sentences":[{"text":"to remove that now.","start":1131.58,"end":1132.96,"sentiment":"negative","sentiment_score":-0.3707621097564697},{"text":"We'll cement the losses, and we'll put something else in its place and get that portfolio working a bit harder for 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sort of investment.","start":1144.505,"end":1147.065,"sentiment":"neutral","sentiment_score":0.25439834429158104},{"text":"It's good for income producing, but it is focused on an infrastructure.","start":1147.065,"end":1150.4701,"sentiment":"neutral","sentiment_score":0.3223757669329643},{"text":"We are gonna remove that from the portfolio as well.","start":1150.93,"end":1153.4901,"sentiment":"neutral","sentiment_score":0.10216859951615334}],"sentiment":"neutral","sentiment_score":0.24843220510765127,"channel":0,"num_words":38,"start":1140.985,"end":1153.4901},{"sentences":[{"text":"It's more of a themed investment.","start":1153.4901,"end":1154.93,"sentiment":"neutral","sentiment_score":0.19007200251022974},{"text":"The idea is to try and get additional growth with having that in there.","start":1154.93,"end":1158.2301,"sentiment":"neutral","sentiment_score":0.32149370121104376},{"text":"I've decided to remove that out and find a cheaper investment for you, still keeping exposure, but 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you.","start":1260.54,"end":1273.995,"sentiment":"positive","sentiment_score":0.5379986919854817},{"text":"Okay?","start":1273.995,"end":1274.495,"sentiment":"neutral","sentiment_score":0.15138712525367737}],"sentiment":"positive","sentiment_score":0.33596266301062244,"channel":0,"num_words":78,"start":1245.895,"end":1274.495},{"sentences":[{"text":"Yep.","start":1275.155,"end":1275.655,"sentiment":"neutral","sentiment_score":0.17543989419937134}],"sentiment":"neutral","sentiment_score":0.17543989419937134,"channel":1,"num_words":1,"start":1275.155,"end":1275.655},{"sentences":[{"text":"And because we're looking at the your growth portfolio, we still wanna hold some defensive low risk investments, and we are removing those bank hybrids.","start":1275.915,"end":1284.655,"sentiment":"neutral","sentiment_score":0.12943412452936173},{"text":"We're going to put 14% into core composite 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see?","start":1376.94,"end":1377.34,"sentiment":"neutral","sentiment_score":-0.0042494176886975765},{"text":"Yep.","start":1377.34,"end":1377.6599,"sentiment":"neutral","sentiment_score":0.028085563331842422}],"sentiment":"neutral","sentiment_score":0.00652890931814909,"channel":1,"num_words":3,"start":1376.94,"end":1377.6599},{"sentences":[{"text":"But","start":1377.45,"end":1377.69,"sentiment":"neutral","sentiment_score":0.016497747972607613}],"sentiment":"neutral","sentiment_score":0.016497747972607613,"channel":0,"num_words":1,"start":1377.45,"end":1377.69},{"sentences":[{"text":"Yep.","start":1377.6599,"end":1378.1599,"sentiment":"neutral","sentiment_score":0.03848972916603088}],"sentiment":"neutral","sentiment_score":0.03848972916603088,"channel":1,"num_words":1,"start":1377.6599,"end":1378.1599},{"sentences":[{"text":"if you do if you do have more questions, I can go a lot more deeper for you.","start":1377.69,"end":1381.85,"sentiment":"neutral","sentiment_score":0.03892649099644688},{"text":"It's just","start":1381.85,"end":1382.17,"sentiment":"neutral","sentiment_score":-0.04141175001859665}],"sentiment":"neutral","sentiment_score":0.030892666894942522,"channel":0,"num_words":20,"start":1377.69,"end":1382.17},{"sentences":[{"text":"No.","start":1382.0599,"end":1382.3799,"sentiment":"neutral","sentiment_score":-0.1767421513795853}],"sentiment":"neutral","sentiment_score":-0.1767421513795853,"channel":1,"num_words":1,"start":1382.0599,"end":1382.3799},{"sentences":[{"text":"not everyone's","start":1382.17,"end":1382.81,"sentiment":"neutral","sentiment_score":-0.1766863465309143}],"sentiment":"neutral","sentiment_score":-0.1766863465309143,"channel":0,"num_words":2,"start":1382.17,"end":1382.81},{"sentences":[{"text":"That's 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good.","start":1385.995,"end":1386.735,"sentiment":"positive","sentiment_score":0.5319714546203613}],"sentiment":"neutral","sentiment_score":0.24570632229248682,"channel":1,"num_words":9,"start":1384.235,"end":1386.735},{"sentences":[{"text":"Excellent.","start":1386.89,"end":1387.39,"sentiment":"positive","sentiment_score":0.5973634719848633},{"text":"Excellent.","start":1387.69,"end":1388.19,"sentiment":"positive","sentiment_score":0.558336615562439},{"text":"All good.","start":1388.57,"end":1389.31,"sentiment":"positive","sentiment_score":0.44427643716335297},{"text":"So that's essentially where you'll see your portfolio alterations at the moment.","start":1389.9951,"end":1394.255,"sentiment":"neutral","sentiment_score":0.09394057871152957},{"text":"We have noticed that this year, there does need to be some changes to the portfolio, and it's really good to have these changes every now and then.","start":1394.635,"end":1401.45,"sentiment":"neutral","sentiment_score":0.09729879203119449}],"sentiment":"neutral","sentiment_score":0.1339978655292229,"channel":0,"num_words":44,"start":1386.89,"end":1401.45},{"sentences":[{"text":"Essentially, investments that are put in your portfolio one, two, three, or even five years ago do need to be updated every 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to.","start":1422.4651,"end":1423.365,"sentiment":"neutral","sentiment_score":0.009810518473386765},{"text":"Okay?","start":1423.425,"end":1423.925,"sentiment":"neutral","sentiment_score":0.020355001091957092}],"sentiment":"neutral","sentiment_score":0.012446639128029346,"channel":0,"num_words":4,"start":1422.4651,"end":1423.925},{"sentences":[{"text":"Yep.","start":1423.795,"end":1424.295,"sentiment":"neutral","sentiment_score":0.08792358636856079}],"sentiment":"neutral","sentiment_score":0.08792358636856079,"channel":1,"num_words":1,"start":1423.795,"end":1424.295},{"sentences":[{"text":"Excellent.","start":1424.9451,"end":1425.4451,"sentiment":"neutral","sentiment_score":0.19037318229675293},{"text":"On the next page there, Colin, you'll see that you've got a cash account.","start":1426.385,"end":1429.8301,"sentiment":"neutral","sentiment_score":0.05756941943296364},{"text":"So at the moment within Hub twenty four, your cash account is around about 3.4%.","start":1429.8301,"end":1435.29,"sentiment":"neutral","sentiment_score":0.02857273941238721},{"text":"We only really wanna hold a minimum cash in our cash account","start":1436.0701,"end":1439.27,"sentiment":"neutral","sentiment_score":0.01242723735049367}],"sentiment":"neutral","sentiment_score":0.03747769032738039,"channel":0,"num_words":42,"start":1424.9451,"end":1439.27},{"sentences":[{"text":"Yeah.","start":1438.995,"end":1439.495,"sentiment":"neutral","sentiment_score":0.00248048547655344}],"sentiment":"neutral","sentiment_score":0.00248048547655344,"channel":1,"num_words":1,"start":1438.995,"end":1439.495},{"sentences":[{"text":"because you actually don't make anything from a cash account.","start":1439.27,"end":1442.09,"sentiment":"neutral","sentiment_score":-0.024342795461416246},{"text":"It tends to cost you money.","start":1442.23,"end":1443.93,"sentiment":"neutral","sentiment_score":-0.02014047248909871},{"text":"So you have about 13,000 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shows you the reasoning that we're making those changes for 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making","start":1555.01,"end":1560.2151,"sentiment":"positive","sentiment_score":0.4946945174173875}],"sentiment":"positive","sentiment_score":0.5284794740951978,"channel":0,"num_words":26,"start":1549.33,"end":1560.2151},{"sentences":[{"text":"Yeah.","start":1559.925,"end":1560.425,"sentiment":"positive","sentiment_score":0.3593629002571106}],"sentiment":"positive","sentiment_score":0.3593629002571106,"channel":1,"num_words":1,"start":1559.925,"end":1560.425},{"sentences":[{"text":"these changes.","start":1560.2151,"end":1561.035,"sentiment":"positive","sentiment_score":0.409216046333313},{"text":"And then it also the biggest seller is that it actually saves you $1,200 on investment fees.","start":1561.495,"end":1567.5751,"sentiment":"positive","sentiment_score":0.5142567788853365},{"text":"So this newer portfolio performs better, but it's also a much cheaper portfolio for 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there.","start":1582.38,"end":1590.645,"sentiment":"neutral","sentiment_score":0.18732566237449647},{"text":"If the portfolio is able to achieve that 11% on a yearly basis over the next five to six years, this is essentially where you could see your super ending up.","start":1590.645,"end":1600.185,"sentiment":"neutral","sentiment_score":0.32354443111727316},{"text":"Okay?","start":1600.42,"end":1600.92,"sentiment":"neutral","sentiment_score":0.14170600473880768}],"sentiment":"neutral","sentiment_score":0.24162410748632332,"channel":0,"num_words":76,"start":1577.34,"end":1600.92},{"sentences":[{"text":"Yeah.","start":1600.8301,"end":1601.3301,"sentiment":"neutral","sentiment_score":0.16377829015254974},{"text":"Yeah.","start":1601.55,"end":1602.05,"sentiment":"neutral","sentiment_score":0.23535995185375216}],"sentiment":"neutral","sentiment_score":0.19956912100315094,"channel":1,"num_words":2,"start":1600.8301,"end":1602.05},{"sentences":[{"text":"Perfect.","start":1602.18,"end":1602.68,"sentiment":"positive","sentiment_score":0.4795529246330261},{"text":"Do you have any questions so far?","start":1603.3,"end":1604.98,"sentiment":"neutral","sentiment_score":0.16732615445341384},{"text":"You're welcome to ask me anything you like thus 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if you can go to page number 27 for me, I've got your fee","start":1832.0399,"end":1836.0399,"sentiment":"neutral","sentiment_score":0.03876331324378649}],"sentiment":"neutral","sentiment_score":0.03767160957472192,"channel":0,"num_words":18,"start":1828.935,"end":1836.0399},{"sentences":[{"text":"Yeah.","start":1835.9901,"end":1836.4901,"sentiment":"neutral","sentiment_score":0.03585435822606087}],"sentiment":"neutral","sentiment_score":0.03585435822606087,"channel":1,"num_words":1,"start":1835.9901,"end":1836.4901},{"sentences":[{"text":"comparison table here as 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means","start":2061.77,"end":2062.41,"sentiment":"neutral","sentiment_score":0.09346675376097362}],"sentiment":"neutral","sentiment_score":0.08988384647225892,"channel":0,"num_words":27,"start":2053.035,"end":2062.41},{"sentences":[{"text":"Yes.","start":2062.27,"end":2062.77,"sentiment":"neutral","sentiment_score":0.10629400610923768}],"sentiment":"neutral","sentiment_score":0.10629400610923768,"channel":1,"num_words":1,"start":2062.27,"end":2062.77},{"sentences":[{"text":"that if someone's in hospital or something's happened, the other person can call us and give us that information, and we can liaise with them as well.","start":2062.41,"end":2069.775,"sentiment":"neutral","sentiment_score":0.08095842323921344},{"text":"Would you guys like me to organize that for you as 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Deborah?","start":2075.4548,"end":2076.835,"sentiment":"neutral","sentiment_score":0.11656453609466552}],"sentiment":"neutral","sentiment_score":0.11739680703197207,"channel":0,"num_words":7,"start":2074.895,"end":2076.835},{"sentences":[{"text":"Yep.","start":2077.125,"end":2077.625,"sentiment":"neutral","sentiment_score":0.07613205164670944}],"sentiment":"neutral","sentiment_score":0.07613205164670944,"channel":1,"num_words":1,"start":2077.125,"end":2077.625},{"sentences":[{"text":"Yep.","start":2078.095,"end":2078.4949,"sentiment":"neutral","sentiment_score":0.12489467114210127},{"text":"Beautiful.","start":2078.4949,"end":2078.9749,"sentiment":"positive","sentiment_score":0.4258454144001007},{"text":"I just wanna get clarification because not everyone wants it.","start":2078.9749,"end":2081.855,"sentiment":"neutral","sentiment_score":0.10397622175514698},{"text":"I do have plenty of couples that prefer to keep everything really separate, but it's just an option that you do have as 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you.","start":2091.0598,"end":2096.9,"sentiment":"neutral","sentiment_score":0.2570913307092808},{"text":"Okay?","start":2096.9,"end":2097.4,"sentiment":"neutral","sentiment_score":0.11877215653657912}],"sentiment":"neutral","sentiment_score":0.25215136020311285,"channel":0,"num_words":28,"start":2091.0598,"end":2097.4},{"sentences":[{"text":"Yep.","start":2097.135,"end":2097.635,"sentiment":"neutral","sentiment_score":0.12261873483657836},{"text":"Yep.","start":2097.855,"end":2098.095,"sentiment":"neutral","sentiment_score":0.1845206916332245},{"text":"Sounds good.","start":2098.095,"end":2098.995,"sentiment":"positive","sentiment_score":0.5542622208595276}],"sentiment":"positive","sentiment_score":0.3539159670472145,"channel":1,"num_words":4,"start":2097.135,"end":2098.995},{"sentences":[{"text":"Excellent.","start":2099.625,"end":2100.125,"sentiment":"positive","sentiment_score":0.532694399356842},{"text":"At the bottom of that page, you do have your projected table 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fantastic.","start":2118.5999,"end":2123.3398,"sentiment":"positive","sentiment_score":0.6716629643189279},{"text":"Okay.","start":2124.04,"end":2124.54,"sentiment":"positive","sentiment_score":0.424773633480072}],"sentiment":"positive","sentiment_score":0.36330008060720403,"channel":0,"num_words":76,"start":2099.625,"end":2124.54},{"sentences":[{"text":"Excellent.","start":2125.885,"end":2126.365,"sentiment":"positive","sentiment_score":0.5747027397155762},{"text":"Do","start":2126.365,"end":2126.605,"sentiment":"neutral","sentiment_score":0.3091394007205963}],"sentiment":"positive","sentiment_score":0.44192107021808624,"channel":0,"num_words":2,"start":2125.885,"end":2126.605},{"sentences":[{"text":"Yep.","start":2126.5051,"end":2127.0051,"sentiment":"neutral","sentiment_score":0.21591827273368835}],"sentiment":"neutral","sentiment_score":0.21591827273368835,"channel":1,"num_words":1,"start":2126.5051,"end":2127.0051},{"sentences":[{"text":"you have any questions or any of that at all?","start":2126.605,"end":2128.785,"sentiment":"neutral","sentiment_score":0.12472886741161346}],"sentiment":"neutral","sentiment_score":0.12472886741161346,"channel":0,"num_words":10,"start":2126.605,"end":2128.785},{"sentences":[{"text":"Not all good.","start":2129.0652,"end":2129.8652,"sentiment":"neutral","sentiment_score":-0.2732742776473363},{"text":"Thanks.","start":2129.8652,"end":2130.3652,"sentiment":"neutral","sentiment_score":-0.03849833458662033}],"sentiment":"neutral","sentiment_score":-0.21458029188215733,"channel":1,"num_words":4,"start":2129.0652,"end":2130.3652},{"sentences":[{"text":"No?","start":2130.4448,"end":2130.9448,"sentiment":"neutral","sentiment_score":-0.08597618341445923},{"text":"Beautiful.","start":2131.005,"end":2131.505,"sentiment":"neutral","sentiment_score":0.3095853924751282},{"text":"Page number 29 is sort of where I look at the projected outcome for 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this?","start":2273.095,"end":2274.135,"sentiment":"neutral","sentiment_score":0.058371754735708235},{"text":"Do we wanna do it?","start":2274.135,"end":2275.23,"sentiment":"neutral","sentiment_score":0.0852249413728714},{"text":"We'll draw up the advice document based on your circumstances, show you how that looks like.","start":2275.31,"end":2279.97,"sentiment":"neutral","sentiment_score":0.1504341308027506},{"text":"And there's other really cool strategies that we can put into place to kind of boost super between 60 to sixty five and sixty seven to kinda give you that 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we're","start":2294.7651,"end":2296.2852,"sentiment":"neutral","sentiment_score":0.27879852429032326}],"sentiment":"neutral","sentiment_score":0.21706965171238957,"channel":0,"num_words":17,"start":2289.0051,"end":2296.2852},{"sentences":[{"text":"Nice.","start":2296.0874,"end":2296.5874,"sentiment":"positive","sentiment_score":0.3727976083755493}],"sentiment":"positive","sentiment_score":0.3727976083755493,"channel":1,"num_words":1,"start":2296.0874,"end":2296.5874},{"sentences":[{"text":"sort of tracking based on circumstances, and it shows that you could realistically you only, at the moment, want about 73,000 for the year.","start":2296.2852,"end":2304.79,"sentiment":"neutral","sentiment_score":0.1496207338447372},{"text":"That could definitely change, but this sort of shows you that, you know, we could realistically draw about a 105,000 out on a yearly basis and still have super working and supplement that would","start":2304.79,"end":2315.565,"sentiment":"neutral","sentiment_score":0.209776901804349}],"sentiment":"neutral","sentiment_score":0.1848846943727855,"channel":0,"num_words":58,"start":2296.2852,"end":2315.565},{"sentences":[{"text":"Yep.","start":2315.445,"end":2315.945,"sentiment":"neutral","sentiment_score":0.15295669436454773}],"sentiment":"neutral","sentiment_score":0.15295669436454773,"channel":1,"num_words":1,"start":2315.445,"end":2315.945},{"sentences":[{"text":"centrally based on your current circumstances there as well.","start":2315.885,"end":2319.005,"sentiment":"neutral","sentiment_score":0.12627592268917295},{"text":"Okay?","start":2319.005,"end":2319.505,"sentiment":"neutral","sentiment_score":0.1501864492893219},{"text":"Fantastic.","start":2321.565,"end":2322.065,"sentiment":"positive","sentiment_score":0.4098023176193238},{"text":"Do you have any questions so far?","start":2322.285,"end":2323.9648,"sentiment":"neutral","sentiment_score":0.11322440739188876},{"text":"Please let me know if you do.","start":2323.9648,"end":2325.585,"sentiment":"neutral","sentiment_score":0.04943905983652387}],"sentiment":"neutral","sentiment_score":0.11340465366840363,"channel":0,"num_words":25,"start":2315.885,"end":2325.585},{"sentences":[{"text":"Not all good yet.","start":2326.0051,"end":2327.3052,"sentiment":"neutral","sentiment_score":-0.11757437326014042}],"sentiment":"neutral","sentiment_score":-0.11757437326014042,"channel":1,"num_words":4,"start":2326.0051,"end":2327.3052},{"sentences":[{"text":"Excellent.","start":2328.86,"end":2329.36,"sentiment":"positive","sentiment_score":0.3684470653533935},{"text":"Beautiful.","start":2329.5,"end":2330.0,"sentiment":"positive","sentiment_score":0.4069921672344208},{"text":"So, Colin, we are just going to the next page, Alan.","start":2330.86,"end":2333.26,"sentiment":"neutral","sentiment_score":0.11317803913896735},{"text":"We're just gonna retain all of your insurance policies.","start":2333.26,"end":2335.84,"sentiment":"neutral","sentiment_score":0.07376566487881872},{"text":"With the ClearView policy, we don't really have visibility on that.","start":2336.3801,"end":2340.0,"sentiment":"neutral","sentiment_score":0.007761284793642434}],"sentiment":"neutral","sentiment_score":0.08392917514411789,"channel":0,"num_words":33,"start":2328.86,"end":2340.0},{"sentences":[{"text":"So what we'd like to do is see if we can add a change of adviser form so we can sort of see on the portal.","start":2340.125,"end":2345.505,"sentiment":"neutral","sentiment_score":0.08992635931533116},{"text":"I don't know if they will do it or not, but it's worth giving it a crack.","start":2345.805,"end":2349.165,"sentiment":"neutral","sentiment_score":0.03493413805742474},{"text":"But we just","start":2349.165,"end":2349.645,"sentiment":"neutral","sentiment_score":0.07165319224198659}],"sentiment":"neutral","sentiment_score":0.06841141882393023,"channel":0,"num_words":46,"start":2340.125,"end":2349.645},{"sentences":[{"text":"Yeah.","start":2349.645,"end":2350.145,"sentiment":"neutral","sentiment_score":0.07491515576839447}],"sentiment":"neutral","sentiment_score":0.07491515576839447,"channel":1,"num_words":1,"start":2349.645,"end":2350.145},{"sentences":[{"text":"wanna sort of make sure that we have visibility of that policy to help you along and make changes as you need to.","start":2349.645,"end":2355.63,"sentiment":"neutral","sentiment_score":0.14892039221266043}],"sentiment":"neutral","sentiment_score":0.14892039221266043,"channel":0,"num_words":23,"start":2349.645,"end":2355.63},{"sentences":[{"text":"Yep.","start":2356.0452,"end":2356.5251,"sentiment":"neutral","sentiment_score":0.0459049828350544},{"text":"That's fine, buddy.","start":2356.5251,"end":2357.645,"sentiment":"positive","sentiment_score":0.3437582055727641},{"text":"No","start":2357.645,"end":2357.885,"sentiment":"neutral","sentiment_score":0.10934371501207352}],"sentiment":"neutral","sentiment_score":0.23730466291308402,"channel":1,"num_words":5,"start":2356.0452,"end":2357.885},{"sentences":[{"text":"Okay?","start":2357.8699,"end":2358.3699,"sentiment":"neutral","sentiment_score":0.11521195620298386}],"sentiment":"neutral","sentiment_score":0.11521195620298386,"channel":0,"num_words":1,"start":2357.8699,"end":2358.3699},{"sentences":[{"text":"problem.","start":2357.885,"end":2358.385,"sentiment":"neutral","sentiment_score":0.2797207236289978}],"sentiment":"neutral","sentiment_score":0.2797207236289978,"channel":1,"num_words":1,"start":2357.885,"end":2358.385},{"sentences":[{"text":"Excellent.","start":2358.5898,"end":2359.0898,"sentiment":"positive","sentiment_score":0.47807520627975464},{"text":"If you can scroll further down for me, sorry, to page number 34.","start":2360.5098,"end":2365.8098,"sentiment":"neutral","sentiment_score":0.08869097095269424}],"sentiment":"neutral","sentiment_score":0.11650413061891284,"channel":0,"num_words":14,"start":2358.5898,"end":2365.8098},{"sentences":[{"text":"I think it's a little it's a touch higher than that now, but not much.","start":2366.02,"end":2369.14,"sentiment":"neutral","sentiment_score":-0.017879291065037252},{"text":"It's so just to","start":2369.14,"end":2370.26,"sentiment":"neutral","sentiment_score":0.01976233907043934}],"sentiment":"neutral","sentiment_score":-0.009954737352305338,"channel":1,"num_words":19,"start":2366.02,"end":2370.26},{"sentences":[{"text":"Yeah.","start":2370.215,"end":2370.715,"sentiment":"neutral","sentiment_score":0.021705400198698044}],"sentiment":"neutral","sentiment_score":0.021705400198698044,"channel":0,"num_words":1,"start":2370.215,"end":2370.715},{"sentences":[{"text":"get back go back up the pipe.","start":2370.26,"end":2371.78,"sentiment":"neutral","sentiment_score":0.019379707851580212},{"text":"I think it's due about now.","start":2371.78,"end":2373.795,"sentiment":"neutral","sentiment_score":0.029937418177723885},{"text":"I was looking at it the other day.","start":2373.795,"end":2375.175,"sentiment":"neutral","sentiment_score":0.01693383092060685}],"sentiment":"neutral","sentiment_score":0.021464433875821885,"channel":1,"num_words":21,"start":2370.26,"end":2375.175},{"sentences":[{"text":"Yeah.","start":2375.735,"end":2376.235,"sentiment":"neutral","sentiment_score":0.023816227912902832}],"sentiment":"neutral","sentiment_score":0.023816227912902832,"channel":0,"num_words":1,"start":2375.735,"end":2376.235},{"sentences":[{"text":"I think it's, like, 223 a month or something 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okay?","start":2385.55,"end":2387.4102,"sentiment":"neutral","sentiment_score":-0.001841951314418111}],"sentiment":"neutral","sentiment_score":0.0011074616282712667,"channel":0,"num_words":10,"start":2385.1501,"end":2387.4102},{"sentences":[{"text":"No.","start":2386.92,"end":2387.24,"sentiment":"neutral","sentiment_score":-0.00449703074991703},{"text":"That's","start":2387.24,"end":2387.56,"sentiment":"neutral","sentiment_score":0.055520981550216675}],"sentiment":"neutral","sentiment_score":0.025511975400149822,"channel":1,"num_words":2,"start":2386.92,"end":2387.56},{"sentences":[{"text":"Yes.","start":2387.47,"end":2387.97,"sentiment":"neutral","sentiment_score":0.11803285777568816}],"sentiment":"neutral","sentiment_score":0.11803285777568816,"channel":0,"num_words":1,"start":2387.47,"end":2387.97},{"sentences":[{"text":"fine.","start":2387.56,"end":2387.96,"sentiment":"neutral","sentiment_score":0.19646203517913816},{"text":"That's 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peace","start":2388.8398,"end":2389.8,"sentiment":"neutral","sentiment_score":0.31801571448644}],"sentiment":"neutral","sentiment_score":0.31801571448644,"channel":1,"num_words":3,"start":2388.8398,"end":2389.8},{"sentences":[{"text":"Beautiful.","start":2389.6301,"end":2390.1301,"sentiment":"positive","sentiment_score":0.5919265747070312}],"sentiment":"positive","sentiment_score":0.5919265747070312,"channel":0,"num_words":1,"start":2389.6301,"end":2390.1301},{"sentences":[{"text":"of mind is what it 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that.","start":2407.0598,"end":2414.26,"sentiment":"neutral","sentiment_score":-0.11376055175888128},{"text":"And it's it's I think of the statistics at the moment, about fifty percent of people passed away intestate without","start":2414.26,"end":2421.9248,"sentiment":"neutral","sentiment_score":-0.10361065715551376}],"sentiment":"neutral","sentiment_score":-0.10920904856175184,"channel":0,"num_words":54,"start":2404.125,"end":2421.9248},{"sentences":[{"text":"Yeah.","start":2421.6301,"end":2422.1301,"sentiment":"neutral","sentiment_score":-0.0938633531332016}],"sentiment":"neutral","sentiment_score":-0.0938633531332016,"channel":1,"num_words":1,"start":2421.6301,"end":2422.1301},{"sentences":[{"text":"wills in place.","start":2421.9248,"end":2422.9648,"sentiment":"neutral","sentiment_score":-0.10287875930468242},{"text":"So it's a pretty big statistic at the 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Superfast, your life, your PPD benefit, and your income protection policy.","start":2433.285,"end":2442.6,"sentiment":"neutral","sentiment_score":0.07743915915489197}],"sentiment":"neutral","sentiment_score":0.0706526507538828,"channel":0,"num_words":44,"start":2427.525,"end":2442.6},{"sentences":[{"text":"Yes.","start":2443.365,"end":2443.865,"sentiment":"neutral","sentiment_score":0.07860806584358215}],"sentiment":"neutral","sentiment_score":0.07860806584358215,"channel":1,"num_words":1,"start":2443.365,"end":2443.865},{"sentences":[{"text":"Your goal was essentially to try and pay the 6 to 700,000 off the mortgage in the event of your passing.","start":2443.86,"end":2451.885,"sentiment":"neutral","sentiment_score":0.10644665005661193},{"text":"We've essentially worked it out to try to make it the most the easiest essentially, the easiest figure possible.","start":2452.585,"end":2458.985,"sentiment":"neutral","sentiment_score":0.1404089629650116},{"text":"So we've subtracted your 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the Fortuna policy paid out as well as the amount in hub twenty '4 and then your super balance paid on top of that.","start":2515.355,"end":2525.45,"sentiment":"neutral","sentiment_score":0.261059763116969},{"text":"So we wanted to make sure that you guys are as covered as possible.","start":2525.45,"end":2529.13,"sentiment":"positive","sentiment_score":0.48022274885858807},{"text":"It actually ends up giving you more than what your goal was with the 700,000, which is a benefit.","start":2529.13,"end":2535.175,"sentiment":"positive","sentiment_score":0.6311740436052021},{"text":"And that way, in the event of something happens, Colin can pay out as much of the mortgage as absolutely possible and then take a bit of time to have a bit of a breather and grieve and work out what he wants to do moving 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continue holding the policy in our own name if we want to continue their 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bank on file.","start":2679.985,"end":2681.745,"sentiment":"neutral","sentiment_score":-0.09890173334214422},{"text":"That's for sure.","start":2681.745,"end":2682.725,"sentiment":"neutral","sentiment_score":0.04779117554426193}],"sentiment":"neutral","sentiment_score":-0.056996143208100244,"channel":1,"num_words":13,"start":2679.585,"end":2682.725},{"sentences":[{"text":"Absolutely.","start":2683.225,"end":2683.725,"sentiment":"neutral","sentiment_score":0.25233596563339233},{"text":"Absolutely.","start":2684.3452,"end":2684.8452,"sentiment":"neutral","sentiment_score":0.2060002237558365},{"text":"The last sort of part of the recommendations is down on page number 40 for you.","start":2686.19,"end":2690.69,"sentiment":"neutral","sentiment_score":0.09615925000980496},{"text":"So it's just in relation to the new future life insurance policy there.","start":2691.23,"end":2696.0298,"sentiment":"neutral","sentiment_score":0.07383214710996701},{"text":"So just making sure we do have a beneficiary nomination applied to that one.","start":2696.0298,"end":2700.21,"sentiment":"neutral","sentiment_score":0.12361132779291698}],"sentiment":"neutral","sentiment_score":0.10416134869058927,"channel":0,"num_words":45,"start":2683.225,"end":2700.21},{"sentences":[{"text":"Just making sure in the event of passing that the policy is paid out to yourself, Colin.","start":2700.3052,"end":2704.885,"sentiment":"neutral","sentiment_score":0.11985383138937108},{"text":"So we'll add it","start":2705.0251,"end":2705.745,"sentiment":"neutral","sentiment_score":0.14310021698474884}],"sentiment":"neutral","sentiment_score":0.12428171435991923,"channel":0,"num_words":21,"start":2700.3052,"end":2705.745},{"sentences":[{"text":"Yes.","start":2705.7,"end":2706.2,"sentiment":"neutral","sentiment_score":0.124301478266716}],"sentiment":"neutral","sentiment_score":0.124301478266716,"channel":1,"num_words":1,"start":2705.7,"end":2706.2},{"sentences":[{"text":"as a binding nonlapsing nomination and note all of your information on there.","start":2705.745,"end":2709.985,"sentiment":"neutral","sentiment_score":0.14610948872107726},{"text":"We'll send it out to you.","start":2709.985,"end":2711.105,"sentiment":"neutral","sentiment_score":0.1527843897541364},{"text":"You guys can sign it, have it witnessed, and send back to us so we can have that applied for 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like.","start":2732.785,"end":2736.4048,"sentiment":"neutral","sentiment_score":0.21285839471966028}],"sentiment":"neutral","sentiment_score":0.18913191465148027,"channel":0,"num_words":69,"start":2718.35,"end":2736.4048},{"sentences":[{"text":"Yeah.","start":2736.105,"end":2736.605,"sentiment":"neutral","sentiment_score":0.14376093447208405}],"sentiment":"neutral","sentiment_score":0.14376093447208405,"channel":1,"num_words":1,"start":2736.105,"end":2736.605},{"sentences":[{"text":"If you have any questions, come back and let me know, and my colleague, Jack, will walk in to go through the application with you for the life policy.","start":2736.625,"end":2745.78,"sentiment":"neutral","sentiment_score":0.2442135250773923},{"text":"He is really good and sweet and does a fantastic job.","start":2746.4,"end":2749.62,"sentiment":"positive","sentiment_score":0.8043804493817416},{"text":"And if you decide you prefer someone else, I can always get one of the girls to do 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good?","start":2758.0552,"end":2759.435,"sentiment":"neutral","sentiment_score":0.23705897480249405},{"text":"Beautiful.","start":2760.375,"end":2760.875,"sentiment":"positive","sentiment_score":0.561669111251831},{"text":"Excellent.","start":2761.0952,"end":2761.5952,"sentiment":"positive","sentiment_score":0.5082874298095703},{"text":"I've also made a recommendation in there to make sure that you do do up a will and power of attorney.","start":2762.135,"end":2767.435,"sentiment":"neutral","sentiment_score":0.21094895473548345}],"sentiment":"neutral","sentiment_score":0.1888493652145068,"channel":0,"num_words":30,"start":2755.68,"end":2767.435},{"sentences":[{"text":"The beneficiaries do sort of look after all of your inside data and life insurance policies, but I do also like to add this into the estate planning side of things to make sure that having a will and a power of attorney done up to protect everything else you guys have worked hard for outside of super, that's your house 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advice, this is all being provided complimentary as part of your ongoing service agreement.","start":2825.825,"end":2831.8699,"sentiment":"neutral","sentiment_score":0.09023916414555382},{"text":"You do pay out the ongoing service fee.","start":2832.0098,"end":2834.2698,"sentiment":"neutral","sentiment_score":0.06427475204691291},{"text":"It's 1.10% because you both are clients.","start":2834.65,"end":2837.8699,"sentiment":"neutral","sentiment_score":0.07533702733261245}],"sentiment":"neutral","sentiment_score":0.07221135702182321,"channel":0,"num_words":47,"start":2817.585,"end":2837.8699},{"sentences":[{"text":"That's per year, and then our fee is deducted in smaller monthly increments.","start":2838.0098,"end":2841.63,"sentiment":"neutral","sentiment_score":0.04761834471271588},{"text":"That's all noted in here and has been accounted for as part of the advice.","start":2842.5698,"end":2846.5098,"sentiment":"neutral","sentiment_score":0.07323056757450104},{"text":"With the Fortura policy, once we set that up, we do receive remuneration from insurance companies, and that by no means has any reflection on how or why I've made this recommendation.","start":2847.565,"end":2859.825,"sentiment":"neutral","sentiment_score":0.07416353421285748},{"text":"Essentially, this is in your best interest.","start":2861.06,"end":2862.82,"sentiment":"neutral","sentiment_score":0.24511956317084177},{"text":"And as you guys read it through, you'll see the best interest, Judy.","start":2862.82,"end":2865.94,"sentiment":"neutral","sentiment_score":0.2824938205572275}],"sentiment":"neutral","sentiment_score":0.11848733373917639,"channel":0,"num_words":80,"start":2838.0098,"end":2865.94},{"sentences":[{"text":"So I relate that back to your goals and how and why I'm making the recommendations.","start":2865.94,"end":2869.88,"sentiment":"neutral","sentiment_score":0.2074931003153324},{"text":"But we do receive 66% of the first year's premium and 22% they're 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from Okies Financial and Okies Financial have provided advice documents to customers, emphasizing the importance of updating beneficiaries and reducing risk levels. The speakers also discuss the benefits of life cover and the importance of reducing risk for beneficiaries. The speakers emphasize the importance of staying within the company's coverage and the need for consistent investment. They also provide information on insurance policies and recommend updating annual catch-up and updating the insurance application."},"intents":{"segments":[{"text":"What I'm gonna do is I'm gonna send you an email to you with the advice document attached. Now you both do get a copy, but you're welcome just to open it up so you can both look at the same one if it's easier for you. I've Yep.","start_word":77,"end_word":125,"intents":[{"intent":"Send email with advice document","confidence_score":0.016953565}]},{"text":"And just to do a really quick security check there for you, I just need to confirm both your date of birth and just your residential address from one of you is fine.","start_word":224,"end_word":256,"intents":[{"intent":"Confirm identity","confidence_score":0.06621831}]},{"text":"I have some options for you to have a look at with regards to what I've recommended, and you guys can go back and decide what you're happy to take on board. Okay?","start_word":559,"end_word":591,"intents":[{"intent":"Recommend changes","confidence_score":0.004132573}]},{"text":"When I spoke to you both last, you were both looking at retiring around about age 65 to 67. We Yeah.","start_word":706,"end_word":726,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.038443137}]},{"text":"We've also scoped in essentially the insurance side of things. 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Okay?","start_word":1522,"end_word":1555,"intents":[{"intent":"Show progress","confidence_score":0.00493615}]},{"text":"Areas that we've scoped out at the moment is essentially cash flow, savings, and debt.","start_word":1558,"end_word":1572,"intents":[{"intent":"Discuss cash flow and savings","confidence_score":0.0061976}]},{"text":"To be to be honest yeah. To Yeah. be honest, our our plan around that time, if we were to do that, it would only be a short term thing because their plan around that time would be to potentially sell this price and and downsize, which Okay.","start_word":1641,"end_word":1688,"intents":[{"intent":"Clarify plan","confidence_score":0.003031524}]},{"text":"A few more few more opportunities that we model yet. Absolutely.","start_word":1797,"end_word":1807,"intents":[{"intent":"Discuss future opportunities","confidence_score":0.29303047}]},{"text":"I have some concerns about my super or the market.","start_word":2470,"end_word":2479,"intents":[{"intent":"Address concerns","confidence_score":0.019061595}]},{"text":"I am recommending you both stay within hub twenty four.","start_word":2601,"end_word":2610,"intents":[{"intent":"Recommend staying within hub twenty four","confidence_score":0.46163684}]},{"text":"So I will be selling Yep. off the bank hybrid. While Yep.","start_word":2697,"end_word":2708,"intents":[{"intent":"Market and sell yeph. super","confidence_score":0.0000010836966},{"intent":"Reveal yep. supers","confidence_score":1.832514e-7}]},{"text":"So we are best to try remove them out of your portfolio now whilst we are looking to make changes rather than holding off and doing it down track when we have no option but to do it quickly. So Yeah.","start_word":2729,"end_word":2769,"intents":[{"intent":"Propose removing gold from portfolio","confidence_score":0.00009113663}]},{"text":"The physical gold is essentially at a thirty year high. We have seen some Yes. ups and downs this year. In February, we saw a massive 18% drop in one day, Yep. and then in the recent weeks, it has had a little bit of a pullback. But, essentially, overall, your physical gold exposure is up, So we Yep.","start_word":2842,"end_word":2900,"intents":[{"intent":"Discuss gold exposure in physical gold","confidence_score":0.00014988601}]},{"text":"In February, we saw a massive 18% drop in one day, Yep. and then in the recent weeks, it has had a little bit of a pullback. 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So Yeah.","start_word":3402,"end_word":3438,"intents":[{"intent":"Evaluate portfolio costs","confidence_score":0.052556932}]},{"text":"Because we're removing the Raffy and the Benelong Australian equities, we still wanna hold Australian exposure, so we're buying into the beta shares a 200.","start_word":4011,"end_word":4035,"intents":[{"intent":"Hold australian exposure","confidence_score":0.84994036},{"intent":"Hold investment","confidence_score":0.067499384}]},{"text":"We're going to put 14% into core composite funds. 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And they called these attend these are paid on a monthly basis into your cash account, And all the bonds are in there.","start_word":4263,"end_word":4339,"intents":[{"intent":"Describe bonds","confidence_score":0.017940303}]},{"text":"So that's essentially where you'll see your portfolio alterations at the moment. We have noticed that this year, there does need to be some changes to the portfolio, and it's really good to have these changes every now and then. Essentially, investments that are put in your portfolio one, two, three, or even five years ago do need to be updated every so Yeah.","start_word":4439,"end_word":4502,"intents":[{"intent":"Discuss portfolio alterations","confidence_score":0.15186071},{"intent":"Discuss portfolio alterations","confidence_score":0.000235903},{"intent":"Explain portfolio alterations","confidence_score":0.17830236},{"intent":"Explain portfolio alterations","confidence_score":0.0058098175},{"intent":"Discuss portfolio alterations","confidence_score":0.04606651}]},{"text":"So that's essentially where you'll see your portfolio alterations at the moment. We have noticed that this year, there does need to be some changes to the portfolio, and it's really good to have these changes every now and then. Essentially, investments that are put in your portfolio one, two, three, or even five years ago do need to be updated every so Yeah. often.","start_word":4439,"end_word":4503,"intents":[{"intent":"Explain portfolio changes","confidence_score":0.041329205},{"intent":"Explain portfolio changes","confidence_score":0.068709336}]},{"text":"On the next page there, Colin, you'll see that you've got a cash account. So at the moment within Hub twenty four, your cash account is around about 3.4%. We only really wanna hold a minimum cash in our cash account Yeah.","start_word":4543,"end_word":4584,"intents":[{"intent":"Mention cash account","confidence_score":0.03755427}]},{"text":"So by making the changes, that newer portfolio has averaged 11.57%. So it can, if it gets this kind of return moving forward, put you in a much greater position moving forward because it's achieved a better past performance over the past five years. Yes.","start_word":4751,"end_word":4795,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.015566626}]},{"text":"With the cybersecurity, about 7% there at the moment, so just selling that back to five percent total for you. And you've got a little bit low on the S and P 500, so we wanna increase that to 30% from '28.","start_word":5136,"end_word":5177,"intents":[{"intent":"Reduce cybersecurity costs","confidence_score":0.029708995}]},{"text":"The thing I think is what happened here is that because it's the end of the financial year, they've held a higher amount of cash to make sure they can cover the end of financial year tax things for Yeah.","start_word":5481,"end_word":5520,"intents":[{"intent":"Address financial impact","confidence_score":0.0016056158}]},{"text":"long as that downtime isn't the year before you retire or at the time you retire, we can try to take advantage of that. And I wanna make sure that we're reducing risk so I don't so you guys don't run into that, you know, problem the Yep. year before you retire or the year that you retire. Because that's when it can kind of make you really nervous. Okay.","start_word":6011,"end_word":6080,"intents":[{"intent":"Reduce risk","confidence_score":0.16148543}]},{"text":"I've also, in the back end, looked to link everything together. So because you are both in Hub 24, and this is why I really enjoy doing this live together for you, I have to get clarification. What I would like to do is also link and the reason we're getting the discount on the admin fee is I'd like to link you both in the back end. That way, you get a family fee linking on your super funds, which reduces Yep.","start_word":6160,"end_word":6242,"intents":[{"intent":"Link","confidence_score":0.0027355931}]},{"text":"your administration fees and gives you these extra discounts. Are you both okay with that?","start_word":6244,"end_word":6258,"intents":[{"intent":"Provide administration fees","confidence_score":0.14236912},{"intent":"Provide extra discounts","confidence_score":0.4402005}]},{"text":"The other side of that is when you log in to Hub 24, once we link everything together, you'll actually both see both of your super accounts sitting there Not a on the problem same at all. the same account. Is that gonna be okay? Do you both Yeah.","start_word":6261,"end_word":6309,"intents":[{"intent":"Link super accounts","confidence_score":0.08702825}]},{"text":"The other thing I wanted to ask is I do offer all of my clients that are couples the opportunity to have what's called an external third party authority on file. So at the moment, even though you guys are together and everything will be linked up, I can only speak to each of you about your individual spaces. So, Colin, you can't call back Deborah's and vice versa. If Yes.","start_word":6325,"end_word":6395,"intents":[{"intent":"Offer external third party authority","confidence_score":0.7194319}]},{"text":"Would you guys like me to organize that for you as well? Yeah.","start_word":6510,"end_word":6522,"intents":[{"intent":"Organise couple meeting","confidence_score":0.000012644968}]},{"text":"I just wanna get clarification because not everyone wants it. I do have plenty of couples that prefer to keep everything really separate, but it's just an option that you do have as well. So I can absolutely get those organized. My team will send them through over the next few days and just get you to sign them electronically for us to keep on file for you. Okay? Yep.","start_word":6535,"end_word":6604,"intents":[{"intent":"Provide clarification","confidence_score":0.054967664}]},{"text":"Every time I do an advice document, I can always be updating these for you and showing you what the projected outcome is. Essentially, what I would like to do when we kind of get to 60, depending on whether you guys choose to keep working or not, there's other strategies that we can put in place.","start_word":6872,"end_word":6928,"intents":[{"intent":"Provide advice for retirement strategies","confidence_score":0.00020236458}]},{"text":"To maximize the cap, we might need to put in $12,000 on a yearly basis.","start_word":7011,"end_word":7025,"intents":[{"intent":"Maximize cap","confidence_score":0.89338005}]},{"text":"To maximize the cap, we might need to put in $12,000 on a yearly basis. So we sell back more into your super fund. But Yep. then because that is taken out of your pay pretax, we only need realistically need to draw out, say, give or take, about 6,000 on a on a, say, a a yearly basis to supplement your income. And the amount Yep.","start_word":7011,"end_word":7077,"intents":[{"intent":"Share additional income","confidence_score":0.000005508455}]},{"text":"And there's other really cool strategies that we can put into place to kind of boost super between 60 to sixty five and sixty seven to kinda give you that last Yep. little boost before you start drawing out. Okay?","start_word":7155,"end_word":7194,"intents":[{"intent":"Discuss strategies","confidence_score":0.2182325}]},{"text":"sort of tracking based on circumstances, and it shows that you could realistically you only, at the moment, want about 73,000 for the year. That could definitely change, but this sort of shows you that, you know, we could realistically draw about a 105,000 out on a yearly basis and still have super working and supplement that would Yep. centrally based on your current circumstances there as well. Okay? Fantastic.","start_word":7205,"end_word":7274,"intents":[{"intent":"Track situation","confidence_score":0.14804494}]},{"text":"So what we'd like to do is see if we can add a change of adviser form so we can sort of see on the portal.","start_word":7326,"end_word":7351,"intents":[{"intent":"Add adviser form","confidence_score":0.07705658}]},{"text":"So what we'd like to do is see if we can add a change of adviser form so we can sort of see on the portal. I don't know if they will do it or not, but it's worth giving it a crack. But we just wanna Yeah. sort of make sure that we have visibility of that policy to help you along and make changes as you need to. Yep.","start_word":7326,"end_word":7396,"intents":[{"intent":"Create policy changes","confidence_score":0.006775454}]},{"text":"They're actually owned by Noble Oak, and you could Google them.","start_word":7754,"end_word":7764,"intents":[{"intent":"Inquire about policy ownership","confidence_score":0.0000012269935}]},{"text":"that the plan would be that we we, in theory, wouldn't need them once we get to that age. So Yeah.","start_word":8143,"end_word":8163,"intents":[{"intent":"Advise on policy","confidence_score":0.026589083}]},{"text":"really well because insurances do get more expensive. All these premiums are set, and that essentially means that the older you get, the more you risk actually making a claim, the more the insurance has become more expensive. And that's why we wanna when we do reviews, we review the level of cover you have, but also how much you're paying for those. Because Yeah.","start_word":8231,"end_word":8295,"intents":[{"intent":"Provide benefits","confidence_score":0.0011228245}]},{"text":"we I wanna understand. make sure that we're not eating that away. Absolutely. Yeah. Yep.","start_word":8324,"end_word":8338,"intents":[{"intent":"Express understanding","confidence_score":0.0009128821}]},{"text":"The last sort of part of the recommendations is down on page number 40 for you. So it's just in relation to the new future life insurance policy there. So just making sure we do have a beneficiary nomination applied to that one.","start_word":8407,"end_word":8449,"intents":[{"intent":"Add beneficiary nomination","confidence_score":0.02695009}]},{"text":"The last sort of part of the recommendations is down on page number 40 for you. So it's just in relation to the new future life insurance policy there. So just making sure we do have a beneficiary nomination applied to that one. Just making sure in the event of passing that the policy is paid out to yourself, Colin.","start_word":8407,"end_word":8466,"intents":[{"intent":"Recommend plan","confidence_score":0.009454982}]},{"text":"The last sort of part of the recommendations is down on page number 40 for you. So it's just in relation to the new future life insurance policy there. So just making sure we do have a beneficiary nomination applied to that one. Just making sure in the event of passing that the policy is paid out to yourself, Colin. So we'll add it Yes. as a binding nonlapsing nomination and note all of your information on there.","start_word":8407,"end_word":8484,"intents":[{"intent":"Provide guidance on policy","confidence_score":0.00013518393}]},{"text":"as a binding nonlapsing nomination and note all of your information on there. We'll send it out to you. You guys can sign it, have it witnessed, and send back to us so we can have that applied for you. Yes. Okay?","start_word":8472,"end_word":8513,"intents":[{"intent":"Provide personal information","confidence_score":0.00009004647}]},{"text":"With the Fortura policy, once we set that up, we do receive remuneration from insurance companies, and that by no means has any reflection on how or why I've made this recommendation.","start_word":8927,"end_word":8958,"intents":[{"intent":"Report policy changes","confidence_score":0.00008927913}]}]},"sentiments":{"segments":[{"text":"Hello. Good evening. Hi, Deborah. It's Dana from Okies Financial. How are you this evening?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.22987639904022217},{"text":"Good. Thanks.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.5093143582344055},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.3256683349609375},{"text":"I'm very well. Thank you.","start_word":20,"end_word":24,"sentiment":"positive","sentiment_score":0.5842654705047607},{"text":"I had yourself and Colin both booked in to go through your updated advice page. Isn't now still a good time there for you both? Yeah. That's fine. We're both here. Hey.","start_word":25,"end_word":56,"sentiment":"neutral","sentiment_score":0.12727895379066467},{"text":"Oh, fantastic.","start_word":57,"end_word":58,"sentiment":"positive","sentiment_score":0.4635029137134552},{"text":"Hey. Hi. How are you?","start_word":59,"end_word":63,"sentiment":"neutral","sentiment_score":0.281744122505188},{"text":"I'm good. Thanks, Colin. How's your day?","start_word":64,"end_word":70,"sentiment":"positive","sentiment_score":0.41064807772636414},{"text":"Yeah. Not too bad.","start_word":71,"end_word":74,"sentiment":"neutral","sentiment_score":0.19003722071647644},{"text":"Oh, fantastic.","start_word":75,"end_word":76,"sentiment":"positive","sentiment_score":0.42795896530151367},{"text":"What I'm gonna do is I'm gonna send you an email to you with the advice document attached. Now you both do get a copy, but you're welcome just to open it up so you can both look at the same one if it's easier for you. I've Yep. just pressed send on that one.","start_word":77,"end_word":131,"sentiment":"neutral","sentiment_score":0.1463676542043686},{"text":"Beautiful. Hopefully, it comes through fairly quickly. Love technology when it wants to work in our favor.","start_word":132,"end_word":148,"sentiment":"positive","sentiment_score":0.45148366689682007},{"text":"I've just got it on my phone.","start_word":149,"end_word":155,"sentiment":"neutral","sentiment_score":0.2194656878709793},{"text":"Fantastic.","start_word":156,"end_word":156,"sentiment":"positive","sentiment_score":0.4031552970409394},{"text":"But but we've got a we've got a screen in front of us, so I'll wait for it to come through there. Yeah. You're right. Not a problem at all. Yep. Just Got while it. that is coming through, I just need to let you both know we do record our calls for quality and training purposes. Are you both happy for that to proceed? Yep.","start_word":157,"end_word":222,"sentiment":"neutral","sentiment_score":0.10095223784446716},{"text":"Fantastic.","start_word":223,"end_word":223,"sentiment":"positive","sentiment_score":0.35028669238090515},{"text":"And just to do a really quick security check there for you, I just need to confirm both your date of birth and just your residential address from one of you is fine. 21 The Wood Circuit, Menai, New South Wales, And 14th Is 72. Legend.","start_word":224,"end_word":269,"sentiment":"neutral","sentiment_score":0.11385619640350342},{"text":"Thank you so much for that.","start_word":270,"end_word":275,"sentiment":"positive","sentiment_score":0.4446183145046234},{"text":"Beautiful. Four dents? Now you're right. No. That's alright. You're in 91. Right? Yeah. No. That's fine. That's fine. Yeah. Thanks, Deborah.","start_word":276,"end_word":297,"sentiment":"neutral","sentiment_score":0.05360459163784981},{"text":"You're all good. All good.","start_word":298,"end_word":302,"sentiment":"positive","sentiment_score":0.3842518627643585},{"text":"Lovely. So on the front of that one there, it will just have the statement of it as I'm sorry for both of yourselves. On the bottom of the document, it does have my authorized representative number. I'm a registered licensed financial adviser with ASIC, and my number Yep. registered is 1304394. To make this easier, so so as I'm not making it overcomplicated for you both, I'll go through the sections that I need to.","start_word":303,"end_word":378,"sentiment":"neutral","sentiment_score":0.12680950042742647},{"text":"So I'll direct you to a couple of the pages that we need to touch on, and then I'll let you both go back and have a really good read of the document.","start_word":379,"end_word":411,"sentiment":"positive","sentiment_score":0.41484588384628296},{"text":"All of our the pages where the advice is noted, it does outline any advantages, disadvantages, risks involved, and I also have a best interest duty statement which outlines what the advice is in your best interest and how it relates back to your goals for you both. Okay? Yep. Yep.","start_word":412,"end_word":462,"sentiment":"neutral","sentiment_score":0.29945889115333557},{"text":"Excellent.","start_word":463,"end_word":463,"sentiment":"positive","sentiment_score":0.598222017288208},{"text":"Now I do apologize for the delay. We had the advice ready to go a few months back, but we have just sort of noted there's been some changes with market conditions, and I wanted to make some updates to your portfolio as well. And, Deborah, one of the things we talked about late last year was trying to get you a bit more life insurance as well. And very recently, an insurer has come out with an option for you. So it meant that I needed to just go back to the drawing board. I have some options for you to have a look at with regards to what I've recommended, and you guys can go back and decide what you're happy to take on board. Okay? Yep.","start_word":464,"end_word":592,"sentiment":"neutral","sentiment_score":0.15390688180923462},{"text":"Okay. Fantastic. I kinda thought let's do all this at once. Otherwise, I presented the advice to you, and then we had to go back and do a few more changes afterwards. So kind of putting it all into one advice document makes it a little bit easier for the both of you as well.","start_word":593,"end_word":647,"sentiment":"positive","sentiment_score":0.46174687147140503},{"text":"Okay. Yep. Yep.","start_word":648,"end_word":650,"sentiment":"neutral","sentiment_score":0.2335650771856308},{"text":"Excellent.","start_word":651,"end_word":651,"sentiment":"positive","sentiment_score":0.498445987701416},{"text":"Now if I can get you to scroll down to page number two and three for me. Two is just the table of contents, but page number three and four and five outline the areas that we are and are not looking at advice at the moment. So we do have superannuation scoped in. When I spoke to you both last, you were both looking at retiring around about age 65 to 67. We Yeah. had sort of talked about an annual income of around about 73,000, just sort of tracking forward that, I'm looking at Centrelink if eligible at 67 as well. Yep. Is that sort of goal still appropriate to you? Do you feel like any of that's changed? No. I think that still sounds pretty Beautiful. So when Beautiful. you say open up the document, when we opened up the email, Yep. there's just all the attachments down the bottom. If you press So on which the button that says sign, it'll take you through so you can see oh, okay. the actual document. Sorry. My apologies if I missed that. Sorry about that, Barb. No. It's all good. Okay. So okay. Right. That's it. Yeah. It's been All possible. good. Yep.","start_word":652,"end_word":856,"sentiment":"neutral","sentiment_score":0.047033398344022474},{"text":"Beautiful.","start_word":857,"end_word":857,"sentiment":"positive","sentiment_score":0.35584527254104614},{"text":"Yeah. Okay. Sorry. I'm directing you to your pages. You can't even see. Sorry about And that. that's okay. Hey.","start_word":858,"end_word":877,"sentiment":"neutral","sentiment_score":0.006050852593034506},{"text":"We're good. We're good. All good.","start_word":878,"end_word":883,"sentiment":"positive","sentiment_score":0.44544148445129395},{"text":"Now one of the things I do like to point out is when I am looking at the retirement aspect, you guys are getting closer to it. So we are looking at a that approximate income as part of your goal, but we know that can definitely change. So what happens is when we actually get to the the retirement years, we will have another conversation. When you tell me you're ready to retire, we'll look at in-depth what you actually need to live on and what your income expectation is. You need to draw out of super, and Yeah. then we'll go Yep. back to the drawing board. I'll then provide additional advice on how we draw that income down from both these supers, how we supplement that with Centrelink, and we'll look at the nitty gritty on the drawdown. Okay? Yep. Yep.","start_word":884,"end_word":1027,"sentiment":"neutral","sentiment_score":0.07745664566755295},{"text":"Sounds Beautiful.","start_word":1028,"end_word":1029,"sentiment":"positive","sentiment_score":0.4209710955619812},{"text":"good. We've also scoped in essentially the insurance side of things. So, Colin, we're not making any changes to your insurance because Not. you are pretty happy with the cover you have Yes. at the moment. You've got the TV policy outside of super and also just Yeah. your in inside super policy. Yep. But, Deborah, you just wanted to have a little bit more. So your cover is only the hub 24 cover at the moment. You've got your life, CT, and income protection. We're not able to increase or obtain any new disability cover, so TPD or IP. Essentially, when we did your your pre assessment, it's just because the BMI is a little bit high. So when we have a BMI Yep.","start_word":1030,"end_word":1154,"sentiment":"neutral","sentiment_score":-0.09794851857423782},{"text":"of over 40, we're putting much pressure on our heart, and the insurers take that as too much risk.","start_word":1155,"end_word":1173,"sentiment":"negative","sentiment_score":-0.5658483505249023},{"text":"You're really Yep. actually very healthy, and I'm confident that you're really you know, not gonna nothing's gonna happen, but it does, unfortunately, create a higher risk for the insurance companies. So when I was talking to the BDMs recently, I was making some changes to your portfolio. I sort of had a bit of a blind pre assessment, and they actually came out and said, hey.","start_word":1174,"end_word":1240,"sentiment":"neutral","sentiment_score":0.03553226217627525},{"text":"We are happy to look at things for you. So they are offering a bit of life cover, which basically means that in the event of you passing, Colin, you do are able to access a little bit more money to help pay down the mortgage, which would Yep.","start_word":1241,"end_word":1289,"sentiment":"positive","sentiment_score":0.38295978307724},{"text":"leave you with a little bit less stress in that event. Yep. Okay? So I'll go through that with you shortly. Because I am looking at, Deborah, you're getting a little bit more life cover, I've also scoped in the estate planning side of things just minimally just to make sure that your beneficiaries on your life cover are up to date and correct. Essentially, you both just wanted your beneficiaries to be paid to each other. Everything is already set up that way. It's just that we're making a new recommendation on life cover.","start_word":1290,"end_word":1384,"sentiment":"neutral","sentiment_score":0.25091788172721863},{"text":"We wanna make sure those beneficiaries are applied to that policy as well for you.","start_word":1385,"end_word":1399,"sentiment":"positive","sentiment_score":0.3480622470378876},{"text":"Okay? Yep. I've limited scope in retirement. So, essentially, because you are getting closer to it, the way I've limited scope this year is that I've taken your projected outcome at the age of 65 and 67. So I project things like that in the back end for you, and then I look at essentially what we're looking at, how that drawdown might look with a little bit of a table for you. That drawdown can change, and it's just giving you an idea of where we're tracking for at the moment, but it gives us an idea of down the track. Do we need to implement other strategies or look at other options for strategies or increase contributions down the track? So I'll show you essentially where we're up to with that tracking, and then we can talk about other things that we can also do down the track to help you guys along. Okay? Yep. Yep. Areas that we've scoped out at the moment is essentially cash flow, savings, and debt. You guys are paying down your mortgage. You do hope to have that paid down, hopefully, by retirement. If you don't, we will help to make sure that, you know, you've got enough money coming out to supplement that. If you did need any additional advice in those areas down the track, let me know. We'll just go to that house for now. Okay. Yeah. Yeah. Look.","start_word":1400,"end_word":1639,"sentiment":"neutral","sentiment_score":0.0375589859051009},{"text":"Excellent.","start_word":1640,"end_word":1640,"sentiment":"positive","sentiment_score":0.4482400417327881},{"text":"To be to be honest yeah. To Yeah. be honest, our our plan around that time, if we were to do that, it would only be a short term thing because their plan around that time would be to potentially sell this price and and downsize, which Okay.","start_word":1641,"end_word":1688,"sentiment":"neutral","sentiment_score":0.05866856500506401},{"text":"Beautiful.","start_word":1689,"end_word":1689,"sentiment":"positive","sentiment_score":0.4803118109703064},{"text":"would would then potentially give us a a yeah. The money to buy a downsized property with Yeah. with with cash. So Yep. that would be the that would be our plan. But anyway, That's we'll cross perfect. that bridge when we get to it. Yeah. Absolutely. And when you get to that point, have a chat with me. We'll talk about what you've got, what, you know, you've got leftover, what your plans Yep. are, and we'll factor all of that in for you. Absolutely. Yep.","start_word":1690,"end_word":1776,"sentiment":"neutral","sentiment_score":0.1654793918132782},{"text":"Excellent.","start_word":1777,"end_word":1777,"sentiment":"positive","sentiment_score":0.5255522727966309},{"text":"You are still very young. You've got a lot of time ahead of you still. Don't worry. It's yeah. A few more few more opportunities that we model yet. Absolutely.","start_word":1778,"end_word":1807,"sentiment":"neutral","sentiment_score":0.2346610277891159},{"text":"Absolute and, look, I tell everyone, if I win, all of my clients will get a piece of pie.","start_word":1808,"end_word":1826,"sentiment":"positive","sentiment_score":0.4613717496395111},{"text":"Don't you worry. Haven't yet won. Yeah. That's that's the hard part. Right? That is it. That is it. My husband reckons he's taking the numbers and just waiting his time like, yeah. We've been doing this for five years now. It's not happening anytime soon. Yep. And that'd be silly. Absolutely. What else, sir? If you can just run to page number eight there for me. I've got your assets and liabilities noted down as per our last conversation. I know with, like, your primary residence and car loans and credit cards and things, there can be some changes there. Is there anything that you would like me to have altered or changed in the back end, changes to liabilities or assets? No. I think that's pretty it's still pretty much on the mark. Yep.","start_word":1827,"end_word":1962,"sentiment":"neutral","sentiment_score":-0.08892598748207092},{"text":"Beautiful. Fantastic. Yeah. Yeah. It's quite Excellent. it's close enough.","start_word":1963,"end_word":1972,"sentiment":"positive","sentiment_score":0.42487987875938416},{"text":"Yep. Yep.","start_word":1973,"end_word":1974,"sentiment":"neutral","sentiment_score":0.17594049870967865},{"text":"Fantastic.","start_word":1975,"end_word":1975,"sentiment":"positive","sentiment_score":0.4533701539039612},{"text":"And we've got your super balances noted there as well. So, Colin and Deborah, you currently got $386,009.57 in super for yourself, Colin. And, Deborah, you've got $427,005.54. So everything is looking very up. And, honestly, just so you guys both know, your balances are above the annual average for most people of your age and state. Yes. So your balances Uh-huh. are very, very well. Deb, yours is actually a lot higher than the average person your own age for a female, And so then I I you keep can trying be really to catch proud it, of but that. I I keep trying to catch it, but I can't get there. We might have ways in the future. What I'd love Yeah. to sort of see is as we get closer to it to be able to even it out so your balances are even as possible. That way we can draw a little bit out of both of them, keep them Yeah. sort of on par, and then supplement with ink with Centrelink there as well. So that's what I would like to be able to help you guys to do. Okay. Yeah. Yeah.","start_word":1976,"end_word":2172,"sentiment":"neutral","sentiment_score":0.10273247458002896},{"text":"Excellent. The next couple of pages outline your current insurance policies. Colin, yours are all good. You were happy with all the policies Yeah.","start_word":2173,"end_word":2196,"sentiment":"positive","sentiment_score":0.5431480407714844},{"text":"that you do have there. Page number nine, Deborah, is yours. You've got your life and CBD within the hub twenty four super there, and then you've got your income protection policy as well. Okay? Yes. You are both technically growth investors, so there's no change to your risk profile at the moment. And the growth portfolio tends to suit someone who has around about six years towards accessing their super.","start_word":2197,"end_word":2267,"sentiment":"neutral","sentiment_score":0.2039337158203125},{"text":"So you are definitely on par there.","start_word":2268,"end_word":2274,"sentiment":"positive","sentiment_score":0.4049166440963745},{"text":"I Yes. will be move moving forward, and we don't have to do the risk profile every year, essentially. We do like to, but moving forward, we will talk a lot more about the risk level and where you are invested and how you're invested in your annual reviews to make sure that we are pinpointing when we need to start reducing that risk. I'm sure Yep. you both probably are well aware of what's been happening in the market this Yeah. year. There has been a lot of ups and downs, and that has made some people very, very nervous and reduced a lot of risk for a lot of my clients this year, especially in the older stage even Yep. before that six year mark sort of hits because people are a little bit nervous about how things are going. So that's completely fine and okay. And if there's ever anything that's concerning either of you, just let me know. This year, I've been leaving lots of that to my calendar for off the cuff phone calls. So if you guys call us at any point, you guys need to talk to Dana. I have some concerns about my super or the market. Come I'll always try to take the call. If for any reason I am on the phone, they will book you in. But the girls all know to come and ask me if I'm available first. So, Yeah. I try to make sure I'm available whenever you guys need. Okay? Yep.","start_word":2275,"end_word":2530,"sentiment":"neutral","sentiment_score":0.02707245387136936},{"text":"That's good. Excellent.","start_word":2531,"end_word":2533,"sentiment":"positive","sentiment_score":0.49498677253723145},{"text":"If you can scroll down to page number 19 for me, I'll just start running through these recommendations with your super and the changes that I'd like to make for Yep.","start_word":2534,"end_word":2564,"sentiment":"neutral","sentiment_score":0.21501892805099487},{"text":"perfect.","start_word":2565,"end_word":2565,"sentiment":"positive","sentiment_score":0.5667258501052856},{"text":"Sorry. If I start to lose my voice, I do apologize. Not here. So this one here is for yourself, Colin. So at the moment within your portfolio, I had a look at your super. I am recommending you both stay within hub twenty four.","start_word":2566,"end_word":2610,"sentiment":"neutral","sentiment_score":0.04161827266216278},{"text":"I did look at hub twenty four as well as the other super funds out there to make sure that everything was working, that you were in a good place. Yep. Hub twenty four is still a very appropriate super fund for you.","start_word":2611,"end_word":2653,"sentiment":"positive","sentiment_score":0.4479026794433594},{"text":"With your Yep. portfolio, I had noticed that one of your investments has been underperforming a little bit, so I wanted to make some changes to your portfolio to make sure things are always working harder, especially at this point in your life. So I will be selling Yep. off the bank hybrid. While Yep. these are more of a defensive investment, they are actually being phased out by the government in around about 2028. So we are best to try remove them out of your portfolio now whilst we are looking to make changes rather than holding off and doing it down track when we have no option but to do it quickly. So Yeah. selling off the bank hybrids for you and removing that one.","start_word":2654,"end_word":2780,"sentiment":"neutral","sentiment_score":-0.09595315903425217},{"text":"Global agriculture has been a great place to be invested over the past.","start_word":2781,"end_word":2793,"sentiment":"positive","sentiment_score":0.34757018089294434},{"text":"However, I have found some other opportunities and wanna start removing that out of your portfolio. Has been a Yes.","start_word":2794,"end_word":2813,"sentiment":"neutral","sentiment_score":0.052496179938316345},{"text":"bit volatile this year.","start_word":2814,"end_word":2817,"sentiment":"negative","sentiment_score":-0.41328611969947815},{"text":"So we're gonna sell all the global agriculture off. Physical gold, we'll keep that in there, but we you've had some really great growth. The physical gold is essentially at a thirty year high. We have seen some Yes. ups and downs this year. In February, we saw a massive 18% drop in one day, Yep. and then in the recent weeks, it has had a little bit of a pullback. But, essentially, overall, your physical gold exposure is up, So we Yep.","start_word":2818,"end_word":2900,"sentiment":"neutral","sentiment_score":-0.07444968819618225},{"text":"just wanna cement some of the gains you've received and spread those across your portfolio a bit more and bring back the level of physical gold so that you're not overexposed to any one particular area.","start_word":2901,"end_word":2936,"sentiment":"positive","sentiment_score":0.6202746033668518},{"text":"Okay? Yeah. Cybersecurity has been a bit up and down with everything that's been going off between The US and Iran this year. Cybersecurity has had a bit of a sell, especially the tech side of things. Yep. Europe got about 7% at the moment. We only wanna hold about 5% there, so we're gonna sell some of that off and cement some of the gains and move that into some other areas for you as well. Yep. The S and P 500, we've got 500 companies within The US there. You've got a bit over 30% there at the moment. We wanna keep about 30%. We will be buying a bit more of that because when you look at your exposure now to what the portfolio needs to look like once we've done the changes, we'll just need to purchase a bit over 6,000 of that. Yep. There has been a lot of concern about The US with what's been going on, but, realistically, US markets are still performing very, very well. They've had a lot Yeah. of volatility, but we still get good returns. I've Yeah. Sorry. I've I've got no. Sorry. I was just gonna say I've got just a small number of shares in a company that I used to work for, which is US owned. And I I sort of keep an Yep. eye on them occasionally, and I've noticed that even with what's going on then, they're still going reasonably well. Absolutely. Yeah. And the thing I like about the this this like, the S and P 500 or the iShares S and P 500 is that it tracks the 500 top the sorry. The top 500 companies in The US. And Yep. at any one time, it can have anywhere between five hundred and five hundred and twenty companies Yep. and essentially attract the S and P 500 index. So for a company to be in that index, they actually have to meet a certain criteria. The makers of the index or the investment committee for the indices, they actually meet every quarter, and they determine what companies are eligible to be in there and which contract to be moved. So when companies are removed out, other companies are replaced. So you are always tracking the top 500 companies Yeah. in The US, I got which it. is which is Yeah. a benefit to you. Yeah. Yeah. Yeah. Yeah. Understand.","start_word":2937,"end_word":3343,"sentiment":"neutral","sentiment_score":0.09259074519981038},{"text":"Excellent.","start_word":3344,"end_word":3344,"sentiment":"positive","sentiment_score":0.49546146392822266},{"text":"We've got the beta shares Raffy a 200 in there tracking 200 of the top companies on the Australian market. That has been a great investment, but it is quite an expensive investment to hold. So we are looking to remove that out of the portfolio just to make sure that we can limit costs for you. One of the big things I wanted to look at was investment costs. If I can reduce fees in your portfolio, that means that more money stays invested to you guys compounding towards your retirement. So Yeah. I'm gonna Yeah. remove that one out of there. The Bennelong Australian Equities, this investment has started underperforming pretty heavily, so I have made a decision to remove that from the investment. So Bennelong was originally put in everyone's portfolio because it's investment. So, essentially, the investment committee within Bennelong are trying to buy and sell and outperform against the market, but they haven't been able to do so. In a No. sense, they have been a bit up and down since 2020. So now I sorta had a really good look at things this year. They've underperformed very heavily. They've had a few issues, which meant that Benelongs had to be revalued, and the value that they act that the market actually saw them at was heavily lower than where they were this time Yeah. last year. So I've made a decision to remove that out of your portfolio. We did have Yep. the option of holding it and waiting for it to come back, but with the issues that Benelon have had within their portfolio and the fact that they haven't made any changes in the investment there just sort of shows that I don't think they're gonna come back. I've had a look at everything.","start_word":3345,"end_word":3646,"sentiment":"neutral","sentiment_score":-0.10877595841884612},{"text":"I think they're gonna stay low for too long, and I don't think you have the time to wait for that to come back and and provide gains again.","start_word":3647,"end_word":3675,"sentiment":"negative","sentiment_score":-0.4284327626228333},{"text":"So it's best Yep.","start_word":3676,"end_word":3679,"sentiment":"neutral","sentiment_score":-0.27342721819877625},{"text":"to remove that now. We'll cement the losses, and we'll put something else in its place and get that portfolio working a bit harder for you.","start_word":3680,"end_word":3705,"sentiment":"negative","sentiment_score":-0.3784107267856598},{"text":"Okay? Yep. Yep.","start_word":3706,"end_word":3708,"sentiment":"neutral","sentiment_score":0.07009871304035187},{"text":"Excellent.","start_word":3709,"end_word":3709,"sentiment":"positive","sentiment_score":0.5876263380050659},{"text":"We've got the ClearBridge infrastructure fund. This is more as an alternative sort of investment. It's good for income producing, but it is focused on an infrastructure. We are gonna remove that from the portfolio as well. It's more of a themed investment. The idea is to try and get additional growth with having that in there. I've decided to remove that out and find a cheaper investment for you, still keeping exposure, but also making sure we're looking at diversification to lower overall risk of your portfolio.","start_word":3710,"end_word":3797,"sentiment":"neutral","sentiment_score":0.24639350175857544},{"text":"So ClearBridge has done very well in the past, and we just decided it's worth removing now and cementing Yep. those gains and putting them into other areas as to where we see changes in the market moving forward for you.","start_word":3798,"end_word":3838,"sentiment":"positive","sentiment_score":0.3920379877090454},{"text":"Yep. So once we kind of sell all those investments and buy a bit more of the S and P 500, you'll essentially see your portfolio with 10 physical gold, 5% in cybersecurity, 30% in the S and P 500, and then we're also gonna purchase 8% into Europe. So it's giving you exposure into the top into all 16 European countries. We'll hold 8% there. 5% Yep. in Japan to give you some Japanese exposure. Mhmm. The all world ex US, so 8% of this investment, this is spreading diversification across the entire globe minus The US market, and that's because we have Yep. the S and P 500 above there. So one of the best ways to mitigate risk is to diversify, not just across one or two or three different countries, but across the entire globe. That means you're essentially buying into not only well established markets, but also some up and coming markets as well to give you greater diversification and overall risk mitigation. Okay? Yep. Yep. Because we're removing the Raffy and the Benelong Australian equities, we still wanna hold Australian exposure, so we're buying into the beta shares a 200. This one here gives you exposure to the top 200 companies on Australian market.","start_word":3839,"end_word":4048,"sentiment":"neutral","sentiment_score":0.1628895225269454},{"text":"It's more of a passively managed investment, so it's lower costing, lower risk, and gives you greater diversification into the Australian market, which is really beneficial, and we wanna hold 20% there total of that investment for you.","start_word":4049,"end_word":4086,"sentiment":"positive","sentiment_score":0.5305182933807373},{"text":"Okay? Yep. And because we're looking at the your growth portfolio, we still wanna hold some defensive low risk investments, and we are removing those bank hybrids. We're going to put 14% into core composite funds. So this is giving you access to government and corporate bonds.","start_word":4087,"end_word":4133,"sentiment":"neutral","sentiment_score":0.16584163904190063},{"text":"Bonds are really good for income producing.","start_word":4134,"end_word":4140,"sentiment":"positive","sentiment_score":0.5524380803108215},{"text":"Essentially, you're putting money into the bond, which is used for debt. So companies and the government use these to a lend out money or to, you know, company use it for in building their own kind of in within the company, so growing the company, essentially, and Yep. you get income payments. So you'll see for the bonds like term deposits. Essentially, you're putting money into a term deposit within the bank. The bank is using that money to lend out to its lenders for home loans and personal loans. And because that money is then being lent on, they're giving you an interest rate on a regular basis, whether it be monthly, quarterly, or at the end of the year. Bonds are exactly the same sort of thing. You're putting money or giving money to the company and or the government. They're utilizing that on to either build the company or to lend out. And because that money is being used and making them money, you're essentially receiving an income payment for doing so. And they called these attend these are paid on a monthly basis into your cash account, And all the bonds are in there. They're all, like, triple a bonds. They're government corporate funds. They also have some notes and things in there as well.","start_word":4141,"end_word":4360,"sentiment":"neutral","sentiment_score":0.14961357414722443},{"text":"So it's a really great defensive investment. It's good for income producing there for you.","start_word":4361,"end_word":4375,"sentiment":"positive","sentiment_score":0.6377758979797363},{"text":"I'm sorry. They do get a bit complex, so I try to keep it as simple as possible. You see? Yep. But Yep. if you do if you do have more questions, I can go a lot more deeper for you. It's just No. not everyone's That's good. that interested. Yeah. No. Very very happy with that.","start_word":4376,"end_word":4432,"sentiment":"neutral","sentiment_score":-0.016296189360059145},{"text":"That's good. Excellent. Excellent. All good.","start_word":4433,"end_word":4438,"sentiment":"positive","sentiment_score":0.5222844481468201},{"text":"So that's essentially where you'll see your portfolio alterations at the moment. We have noticed that this year, there does need to be some changes to the portfolio, and it's really good to have these changes every now and then. Essentially, investments that are put in your portfolio one, two, three, or even five years ago do need to be updated every so Yeah. often. Sorry. Because markets change, trends change, and some investments do better than others as well. So it's always good to keep things working as hard as possible and updating your portfolio when Yeah. we need to. Okay? Yep. Excellent. On the next page there, Colin, you'll see that you've got a cash account. So at the moment within Hub twenty four, your cash account is around about 3.4%. We only really wanna hold a minimum cash in our cash account Yeah. because you actually don't make anything from a cash account. It tends to cost you money. So you have about 13,000 there Yep. at the moment. We wanna invest about 8,388 and 81<unk> just to bring it down to the minimum 1.25 requirement there. Okay? Yep. That makes sense. Excellent. Yep. Yeah.","start_word":4439,"end_word":4637,"sentiment":"neutral","sentiment_score":0.0494588166475296},{"text":"Beautiful.","start_word":4638,"end_word":4638,"sentiment":"positive","sentiment_score":0.3516404628753662},{"text":"If you scroll down to page number 22, this shows you the reasoning that we're making those changes for you. Yep. Perfect. Sorry. No. So the the the fee comparison table then shows your current portfolio within hub twenty four, your current balance there, your administration fees, investment fees, your ongoing service fee for having us look looking after everything for you, your contributions going in, and your insurance premiums currently. You've also got that you're currently in the growth portfolio. The current growth portfolio is averaged about 9.78%, which is by no means bad in any way, shape, or form, but we want things to be working as hard as possible.","start_word":4639,"end_word":4750,"sentiment":"neutral","sentiment_score":0.1068817302584648},{"text":"So by making the changes, that newer portfolio has averaged 11.57%. So it can, if it gets this kind of return moving forward, put you in a much greater position moving forward because it's achieved a better past performance over the past five years.","start_word":4750,"end_word":4793,"sentiment":"positive","sentiment_score":0.5875914692878723},{"text":"Yes. The other thing we do have to take into account is, as part of the research, is capital gains consequences. So just like you guys, your super fund does a tax return every single year. They do pay income tax, and they pay capital gains tax on investment switches and buying and selling as well. The the expected CGP for the changes is $2,092, so your super fund would account Yep. for that after it completes the switch. Yep.","start_word":4794,"end_word":4873,"sentiment":"neutral","sentiment_score":0.13779547810554504},{"text":"The benefits to doing this is that it does reduce your admin fees just slightly. So it does save about $310 of administration fees by making Yeah. these changes. And then it also the biggest seller is that it actually saves you $1,200 on investment fees. So this newer portfolio performs better, but it's also a much cheaper portfolio for you. Yeah. Nice.","start_word":4874,"end_word":4936,"sentiment":"positive","sentiment_score":0.5138053297996521},{"text":"Yeah. Not bad.","start_word":4937,"end_word":4939,"sentiment":"neutral","sentiment_score":0.2746135890483856},{"text":"Yeah. Excellent.","start_word":4940,"end_word":4941,"sentiment":"positive","sentiment_score":0.410145103931427},{"text":"If you scroll to the next page, you'll see the projection table there. So we know projection tables, and I like to be honest, they are just a projection table based on all the factors that you see in the top table there. If the portfolio is able to achieve that 11% on a yearly basis over the next five to six years, this is essentially where you could see your super ending up. Okay? Yeah. Yeah.","start_word":4942,"end_word":5018,"sentiment":"neutral","sentiment_score":0.23345427215099335},{"text":"Perfect.","start_word":5019,"end_word":5019,"sentiment":"positive","sentiment_score":0.4795529246330261},{"text":"Do you have any questions so far? You're welcome to ask me anything you like thus far. No. That's no. That looks good. Yep.","start_word":5020,"end_word":5043,"sentiment":"neutral","sentiment_score":0.1345493346452713},{"text":"Beautiful.","start_word":5044,"end_word":5044,"sentiment":"positive","sentiment_score":0.4040333032608032},{"text":"If you go to page number 24, Deborah, I've got yours for you now to make it easier. Yep.","start_word":5045,"end_word":5063,"sentiment":"neutral","sentiment_score":0.21652287244796753},{"text":"Beautiful. I'll go a bit easier through the investments because we've kinda gone through and explained a lot of them.","start_word":5064,"end_word":5083,"sentiment":"positive","sentiment_score":0.35012534260749817},{"text":"Yeah. I You think did most have of a them are lot of the same. Yeah. yeah. Yeah. Yeah. So, essentially, again, just selling off the bank hybrid there and the global agriculture, you had about 14.93% physical goals.","start_word":5084,"end_word":5122,"sentiment":"neutral","sentiment_score":0.0991758406162262},{"text":"So just bringing you back to 10%, cementing some of those gains. Yep.","start_word":5123,"end_word":5135,"sentiment":"positive","sentiment_score":0.5493866801261902},{"text":"With the cybersecurity, about 7% there at the moment, so just selling that back to five percent total for you. And you've got a little bit low on the S and P 500, so we wanna increase that to 30% from '28. So a bit over 9,000 of the purchase into there for you. We're also removing the Raffi and the Benelong Estate in Equities investment, and then also the ClearBridge infrastructure. Again, we'll just sell all of that down for you. And then we'll Yes. invest you the same way. So 8% in the European exposure, 5% in Japan, 8% with the all world index, and then the sorry. 20% into the Australian 214% of the core composite bonds as well for you.","start_word":5136,"end_word":5259,"sentiment":"neutral","sentiment_score":0.25018110871315},{"text":"So you guys will have a very much the same sort of portfolio, which is fantastic. Yes.","start_word":5260,"end_word":5276,"sentiment":"positive","sentiment_score":0.6437174677848816},{"text":"Your cash at the moment is about the same. So you've got about 3.40%, which is about $13,000 there. So, again, about 8,000 is just gonna be invested to bring you back to the minimum cash account there. Okay. So it's so it's safe to say that that cache has crept up over time. Is that right? Absolutely. Yeah. Definitely. So how does Yeah. how does that happen? I Because don't I know this is really low. Right? So you would think that yeah. that would take a long time. Right? It it really should. I don't know exactly why it has happened. Yeah. I've been trying Don't to find don't out with get house me twenty wrong. I'm I'm four. yeah. No. I'm fine No. with it. I It's I just out of curiosity. That's all. yeah. No. Look. I honestly do agree with you because, realistically, House 24 are supposed to be doing and running cash every sort of month. Around the twentieth of every month, they run the cash account, and they invest Yeah. the funds. So there's only gonna be sort of two reasons as to why because they're still being running the cash account on a regular basis. The thing I think is what happened here is that because it's the end of the financial year, they've held a higher amount of cash to make sure they can cover the end of financial year tax things for Yeah. the fund Okay. itself. And Yeah. then because we're a little bit out from the twenty twentieth now, they haven't quite run that again. So they Yeah. actually had a bit of a between the June 21 to about the tenth of this month, they actually had a bit of a freeze because they had to report to the ATO and do end of financial year tax run. And then on Yes. the July 1, between the first and July 10, they had to report back to the ATO with balances to everyone as of the June 30. So I think Yes. that's just kinda pushed it back a little bit for now because I did have a look at this, and it seems to be something I'm finding quite a lot of. And I went back and had a really good look at the fund, and I was like, they're still running the cash every month.","start_word":5277,"end_word":5676,"sentiment":"neutral","sentiment_score":-0.0885602112673223},{"text":"I think it's end of financial year process, and it kinda held it back a little bit this time around.","start_word":5677,"end_word":5696,"sentiment":"negative","sentiment_score":-0.36629071831703186},{"text":"So Yes. Yes. we'll just make sure that that is automatically invested for you, and we'll just make sure that they are consistently not increasing the cash that high for you. Because it is a lot of Yes. cash to hold. You wanna make sure that money is building you growth. You don't want it sitting in cash. Yeah. So Yeah. Yeah. yeah. No. Absolutely. Deborah, if you can go to page number 27 for me, I've got your fee Yeah. comparison table here as well. Yep.","start_word":5697,"end_word":5783,"sentiment":"neutral","sentiment_score":0.10088125616312028},{"text":"Beautiful.","start_word":5784,"end_word":5784,"sentiment":"positive","sentiment_score":0.47285330295562744},{"text":"So your balance is a little bit higher at $427,000 mark. Your administration fee is currently at 1,400, and investment fees is 2,139. The adviser fee and your contributions going in, and then we've also got your insurance premium there as well.","start_word":5785,"end_word":5826,"sentiment":"neutral","sentiment_score":0.21276791393756864},{"text":"The growth portfolio was the same, so it has been averaging 9.78% there, and the newer portfolios averaged 11.57%. So that can put you in a much greater position if it's able to achieve this.","start_word":5827,"end_word":5861,"sentiment":"positive","sentiment_score":0.4425612688064575},{"text":"And I'm really honest where I know that markets do go up and down. So some years will get, you know, a 15 or 20% return. Other years, we might only get a three or four percent return. This Yep. year is definitely a year where we have had much lower rates of return, but what we wanna do is take advantage of those downtime. So the years when we only get a two or 3% return or a negative return, because that definitely does happen every so often, Yeah. keeping your contributions going in. It's a downtime. I'm gonna be truly honest. I get excited in a negative return. I just go, woah. We are down. Contributions are buying into those discounted investments. And when the market comes out of that downtime, we actually get greater growth from that, and it helps that compounding effect. So as Yeah. long as that downtime isn't the year before you retire or at the time you retire, we can try to take advantage of that. And I wanna make sure that we're reducing risk so I don't so you guys don't run into that, you know, problem the Yep. year before you retire or the year that you retire. Because that's when it can kind of make you really nervous. Okay. Yep. Yep. Yep.","start_word":5862,"end_word":6083,"sentiment":"neutral","sentiment_score":-0.06503326445817947},{"text":"Perfect.","start_word":6084,"end_word":6084,"sentiment":"positive","sentiment_score":0.4148521423339844},{"text":"With the recommended, it does mean for the tax liability for your fund there, Deborah, we do expect the CGT to be $2,303.","start_word":6085,"end_word":6107,"sentiment":"neutral","sentiment_score":0.2240978330373764},{"text":"It reduces your administration fees by about $274 for the year, and it saves you $1,346 in investment fees, which fantastic. That's more money, and you're super working harder for you.","start_word":6108,"end_word":6138,"sentiment":"positive","sentiment_score":0.43469682335853577},{"text":"The balance does go down a little bit, so your adviser fee does get a little bit of a discount there. I've also, in the back end, looked to link everything together. So because you are both in Hub 24, and this is why I really enjoy doing this live together for you, I have to get clarification. What I would like to do is also link and the reason we're getting the discount on the admin fee is I'd like to link you both in the back end. That way, you get a family fee linking on your super funds, which reduces Yep. your administration fees and gives you these extra discounts. Are you both okay with that? Yeah. Yep.","start_word":6139,"end_word":6259,"sentiment":"neutral","sentiment_score":0.1927717901335275},{"text":"Beautiful.","start_word":6260,"end_word":6260,"sentiment":"positive","sentiment_score":0.6020233631134033},{"text":"The other side of that is when you log in to Hub 24, once we link everything together, you'll actually both see both of your super accounts sitting there Not a on the problem same at all. the same account. Is that gonna be okay? Do you both Yeah. agree Yeah. That's to that? yeah. That's fine. Yes. Not a problem at all.","start_word":6261,"end_word":6323,"sentiment":"neutral","sentiment_score":0.1005065217614174},{"text":"Beautiful.","start_word":6324,"end_word":6324,"sentiment":"positive","sentiment_score":0.6200374960899353},{"text":"The other thing I wanted to ask is I do offer all of my clients that are couples the opportunity to have what's called an external third party authority on file. So at the moment, even though you guys are together and everything will be linked up, I can only speak to each of you about your individual spaces. So, Colin, you can't call back Deborah's and vice versa. If Yes. I was to get you guys to sign an external third party authority, it does mean that, say, Colin, if you're in hospital or if Deborah's in hospital or someone can't get to the phone, you have questions, either of you can call us, and we can answer questions for you on each other's super accounts and with Yes. regard to each other's information. You can't transact or change anything, but it does give you, like, an option to inquire about what's happening. And it means Yes. that if someone's in hospital or something's happened, the other person can call us and give us that information, and we can liaise with them as well. Would you guys like me to organize that for you as well? Yeah. That's fine. Yeah. Yep. You're okay with that, Deborah? Yep. Yep.","start_word":6325,"end_word":6533,"sentiment":"neutral","sentiment_score":0.05497264862060547},{"text":"Beautiful.","start_word":6534,"end_word":6534,"sentiment":"positive","sentiment_score":0.4258454144001007},{"text":"I just wanna get clarification because not everyone wants it. I do have plenty of couples that prefer to keep everything really separate, but it's just an option that you do have as well.","start_word":6535,"end_word":6568,"sentiment":"neutral","sentiment_score":0.15327374637126925},{"text":"So I can absolutely get those organized.","start_word":6569,"end_word":6575,"sentiment":"positive","sentiment_score":0.4483485221862793},{"text":"My team will send them through over the next few days and just get you to sign them electronically for us to keep on file for you. Okay? Yep. Yep.","start_word":6576,"end_word":6605,"sentiment":"neutral","sentiment_score":0.23049254715442655},{"text":"Sounds good. Excellent.","start_word":6606,"end_word":6608,"sentiment":"positive","sentiment_score":0.5381216406822205},{"text":"At the bottom of that page, you do have your projected table there. So, Deborah, so long as your portfolio is able to repay me 11% on a yearly basis over the next five to seven years, you can essentially see where you're expected to be projected, give or take market conditions there as well.","start_word":6609,"end_word":6663,"sentiment":"neutral","sentiment_score":0.2538430655544454},{"text":"So it does put you in a much greater position and does save you on fees, which is fantastic. Okay. Excellent.","start_word":6664,"end_word":6684,"sentiment":"positive","sentiment_score":0.6468334197998047},{"text":"Do Yep. you have any questions or any of that at all? Not all good. Thanks. No? Beautiful. Page number 29 is sort of where I look at the projected outcome for you. So, essentially, with this, we are looking at about 73,000 on a yearly basis. This sort of shows that between both of your supers and this is from this age of 60. I know you don't really wanna retire till a little bit later, but it does essentially show that we could draw out around about a 105,000 on a yearly basis and still Yep. have your super lasting till about age 89. So starting this Yes. at age 65 or 67 does give you further longevity.","start_word":6685,"end_word":6804,"sentiment":"neutral","sentiment_score":0.1463950276374817},{"text":"I'd like to build on this for you to make sure that it's always working harder, but this kinda shows that if you decide at 60 you've had enough of working, you wanna retire earlier, it can happen.","start_word":6805,"end_word":6842,"sentiment":"positive","sentiment_score":0.34926867485046387},{"text":"It's projected that it can work for you. We Yep. just draw a little bit more out of super at the start, and then we look at age pension. Every time I do an advice document, I can always be updating these for you and showing you what the projected outcome is. Essentially, what I would like to do when we kind of get to 60, depending on whether you guys choose to keep working or not, there's other strategies that we can put in place. I'm not sure if I spoke to you last time about the transition to retirement strategies, and these aren't quite available until you turn 60. So 60 is a prime age. I'll tell you what. Yes. This sort of strategy allows you to increase your contributions into super up to the cap every year. And then because you're at 60, we're able to draw a little bit out of super. Essentially, to give you an idea, we might increase your contribution. To maximize the cap, we might need to put in $12,000 on a yearly basis. So we sell back more into your super fund. But Yep. then because that is taken out of your pay pretax, we only need realistically need to draw out, say, give or take, about 6,000 on a on a, say, a a yearly basis to supplement your income. And the amount Yep. you draw out of super is fully tax free. So this increases contributions in. You draw a little bit out.","start_word":6843,"end_word":7096,"sentiment":"neutral","sentiment_score":0.12125333809242474},{"text":"It helps to reduce your income tax and boost your super.","start_word":7097,"end_word":7107,"sentiment":"positive","sentiment_score":0.3408406674861908},{"text":"So when you Yeah. get to that point, I'll probably talk to you probably a year out just to say, hey. Are we looking at this? Do we wanna do it? We'll draw up the advice document based on your circumstances, show you how that looks like. And there's other really cool strategies that we can put into place to kind of boost super between 60 to sixty five and sixty seven to kinda give you that last Yep. little boost before you start drawing out. Okay?","start_word":7108,"end_word":7194,"sentiment":"neutral","sentiment_score":0.13816440105438232},{"text":"Beautiful.","start_word":7195,"end_word":7195,"sentiment":"positive","sentiment_score":0.45636415481567383},{"text":"But this sort of shows you where we're Nice. sort of tracking based on circumstances, and it shows that you could realistically you only, at the moment, want about 73,000 for the year. That could definitely change, but this sort of shows you that, you know, we could realistically draw about a 105,000 out on a yearly basis and still have super working and supplement that would Yep. centrally based on your current circumstances there as well. Okay?","start_word":7196,"end_word":7273,"sentiment":"neutral","sentiment_score":0.18480952084064484},{"text":"Fantastic.","start_word":7274,"end_word":7274,"sentiment":"positive","sentiment_score":0.4098023176193238},{"text":"Do you have any questions so far? Please let me know if you do. Not all good yet.","start_word":7275,"end_word":7292,"sentiment":"neutral","sentiment_score":0.0322314128279686},{"text":"Excellent. Beautiful.","start_word":7293,"end_word":7294,"sentiment":"positive","sentiment_score":0.3877196311950683},{"text":"So, Colin, we are just going to the next page, Alan. We're just gonna retain all of your insurance policies. With the ClearView policy, we don't really have visibility on that. So what we'd like to do is see if we can add a change of adviser form so we can sort of see on the portal. I don't know if they will do it or not, but it's worth giving it a crack. But we just wanna Yeah. sort of make sure that we have visibility of that policy to help you along and make changes as you need to. Yep.","start_word":7295,"end_word":7396,"sentiment":"neutral","sentiment_score":0.08037812262773514},{"text":"That's fine, buddy.","start_word":7397,"end_word":7399,"sentiment":"positive","sentiment_score":0.343776136636734},{"text":"No Okay? problem.","start_word":7400,"end_word":7402,"sentiment":"neutral","sentiment_score":0.1798418015241623},{"text":"Excellent.","start_word":7403,"end_word":7403,"sentiment":"positive","sentiment_score":0.47807520627975464},{"text":"If you can scroll further down for me, sorry, to page number 34. I think it's a little it's a touch higher than that now, but not much. It's so just to Yeah. get back go back up the pipe. I think it's due about now. I was looking at it the other day. Yeah. I think it's, like, 223 a month or something now. Mhmm. Are you still Right. okay with the premium you're covering Yeah. for that? Do you need to sort of that's okay? No. That's Yes. fine. That's fine. It's well, Yes.","start_word":7404,"end_word":7499,"sentiment":"neutral","sentiment_score":0.04552888870239258},{"text":"it's it's peace Beautiful. of mind is what it is.","start_word":7500,"end_word":7509,"sentiment":"positive","sentiment_score":0.40642881393432617},{"text":"So Yeah.","start_word":7510,"end_word":7511,"sentiment":"neutral","sentiment_score":0.2590138912200928},{"text":"Absolutely.","start_word":7512,"end_word":7512,"sentiment":"positive","sentiment_score":0.3663270175457001},{"text":"Absolutely. I pay for all my insurances outside of super too, and the premiums got pretty high. But it's just peace of mind of knowing your family's looked after in the event Yes. something happens. So Yes. yeah. It's a difficult thing. This industry is one where we see a lot of that, and I talk every day about life insurance and passing away and estate planning and things like that. And it's it's I think of the statistics at the moment, about fifty percent of people passed away intestate without Yeah. wills in place. So it's a pretty big statistic at the moment. Yeah. Yeah. All good. So on page number 34 there, Deborah, we're looking at your insurance policy. So the first one there notes what you've got with retaining the insurance that you do hold within Superfast, your life, your PPD benefit, and your income protection policy. Yes. Your goal was essentially to try and pay the 6 to 700,000 off the mortgage in the event of your passing. We've essentially worked it out to try to make it the most the easiest essentially, the easiest figure possible. So we've subtracted your current life insurance and also your super benefit from that. Yep. And it essentially means that based on everything, we just need to apply for 675,000 of life cover, and we've chosen I always say this wrong, but Fortura. So Fortura is an insurance company. They're actually owned by Noble Oak, and you could Google them. Noble Oak have been around since 1877.","start_word":7513,"end_word":7770,"sentiment":"neutral","sentiment_score":0.04867709202821865},{"text":"They're not a well known insurer, but they are really, really easy to deal with.","start_word":7771,"end_word":7785,"sentiment":"positive","sentiment_score":0.3842822015285492},{"text":"Yep. And they have offered the life cover. Because of your BMI, they would add a 75% loading onto the policy, but it means the yearly premium would be $980.55. This is paid for out of super for you, so it does mean that the insurance premiums do increase in super, but the fee comparison table at the top has also factored that in for you. And that Okay. essentially means that in the event of passing, you get this for the Fortuna policy paid out as well as the amount in hub twenty '4 and then your super balance paid on top of that.","start_word":7786,"end_word":7890,"sentiment":"neutral","sentiment_score":0.24139724671840668},{"text":"So we wanted to make sure that you guys are as covered as possible. It actually ends up giving you more than what your goal was with the 700,000, which is a benefit.","start_word":7891,"end_word":7923,"sentiment":"positive","sentiment_score":0.5677546262741089},{"text":"And that way, in the event of something happens, Colin can pay out as much of the mortgage as absolutely possible and then take a bit of time to have a bit of a breather and grieve and work out what he wants to do moving forward. Okay? Yeah.","start_word":7924,"end_word":7972,"sentiment":"neutral","sentiment_score":0.2934952676296234},{"text":"That's good.","start_word":7973,"end_word":7974,"sentiment":"positive","sentiment_score":0.4251422882080078},{"text":"Yep.","start_word":7975,"end_word":7975,"sentiment":"neutral","sentiment_score":0.29382652044296265},{"text":"Beautiful.","start_word":7976,"end_word":7976,"sentiment":"positive","sentiment_score":0.531658947467804},{"text":"The the life policy is covered up to age 65. Most insurance policies, like life policies, all kind of go longer. At the age of 65, they convert to out of pocket policies. Normally, with insurance policies, by the time you retire at age 60 or 65, we normally don't need these sorts of policies anymore. The idea is we cancel them, and we have our insurances, sorry, our super to fall back on, and we should have enough in super and hopefully be fully debt free to not need insurances anymore. But income protection and PPD tend to cancel out at age 65. At 60 Yes. five, the life policy, they convert to an out of super policy. So we stop paying inside super, and they allow us to continue holding the policy in our own name if we want to continue their board. Okay? Yep. With So, all the insurance obviously, I think you know that what? the Sorry. plan would be Yeah. that the plan would be that we we, in theory, wouldn't need them once we get to that age. So Yeah. yeah. Yeah. Yeah. The the way we sort of look at it is when we're younger, we have higher mortgage. We've got a lower super balance, so we need more insurances. Yeah. But as we get closer to accessing super, we wanna have a higher super balance, hopefully, a lower debt level, and hopefully not need the insurances in those time it is. And that works out Yes. really well because insurances do get more expensive. All these premiums are set, and that essentially means that the older you get, the more you risk actually making a claim, the more the insurance has become more expensive. And that's why we wanna when we do reviews, we review the level of cover you have, but also how much you're paying for those. Because Yeah. one of the biggest things is that insurances actually affect how much we have in through for the end of at our Yeah. retirement. Of course. So Yeah. we I wanna understand. make sure that we're not eating that away. Absolutely. Yeah. Yep. Yeah. I have seen some people with insurance policies at the age of 60, and they're paying about 20 or $30,000 for them. So these insurance policies Yeah. can get very expensive. So I wanna make sure you guys have a fantastic retirement and don't Yep. end up eating it all away. Okay? Yeah. You don't wanna you don't wanna bank on file. That's for sure. Absolutely. Absolutely. The last sort of part of the recommendations is down on page number 40 for you. So it's just in relation to the new future life insurance policy there. So just making sure we do have a beneficiary nomination applied to that one. Just making sure in the event of passing that the policy is paid out to yourself, Colin. So we'll add it Yes. as a binding nonlapsing nomination and note all of your information on there. We'll send it out to you. You guys can sign it, have it witnessed, and send back to us so we can have that applied for you. Yes. Okay? Yep.","start_word":7977,"end_word":8514,"sentiment":"neutral","sentiment_score":-0.00373733944699279},{"text":"Not a problem. Excellent.","start_word":8515,"end_word":8518,"sentiment":"positive","sentiment_score":0.4162155091762543},{"text":"To get the application in place, Deborah, just to let you know, we will need to go through a insurance application with you. Once you guys are happy with the advice, you've had a bit of a read through it and mull it over because I know I go through a lot. So take some time, have a cup of tea, and ring it over if you like. Yeah. If you have any questions, come back and let me know, and my colleague, Jack, will walk in to go through the application with you for the life policy.","start_word":8519,"end_word":8616,"sentiment":"neutral","sentiment_score":0.2044329345226288},{"text":"He is really good and sweet and does a fantastic job.","start_word":8617,"end_word":8627,"sentiment":"positive","sentiment_score":0.799468994140625},{"text":"And if you decide you prefer someone else, I can always get one of the girls to do it. I just like to make sure that everyone's No. comfortable going through those questionnaires. All good?","start_word":8628,"end_word":8662,"sentiment":"neutral","sentiment_score":0.12025100737810136},{"text":"Beautiful. Excellent.","start_word":8663,"end_word":8664,"sentiment":"positive","sentiment_score":0.5349782705307007},{"text":"I've also made a recommendation in there to make sure that you do do up a will and power of attorney. The beneficiaries do sort of look after all of your inside data and life insurance policies, but I do also like to add this into the estate planning side of things to make sure that having a will and a power of attorney done up to protect everything else you guys have worked hard for outside of super, that's your house and your savings and your cars and everything else, and having a power of attorney done up as well to make sure that in the event that you can't make decisions for yourself, that you've appointed somebody else that can make financial and or personal and medical decisions for you. So, normally, power of attorney is set up for each of you, but then in the event that something happens to both of you, who else do you want to act on your behalf? And taking the services of a solicitor is really important to have those done up as well. Okay? Yep. Yep. Excellent. And then on page number 49, I have a sensitive remuneration side of things. So with the advice, this is all being provided complimentary as part of your ongoing service agreement. You do pay out the ongoing service fee. It's 1.10% because you both are clients. That's per year, and then our fee is deducted in smaller monthly increments. That's all noted in here and has been accounted for as part of the advice. With the Fortura policy, once we set that up, we do receive remuneration from insurance companies, and that by no means has any reflection on how or why I've made this recommendation. Essentially, this is in your best interest. And as you guys read it through, you'll see the best interest, Judy. So I relate that back to your goals and how and why I'm making the recommendations. But we do receive 66% of the first year's premium and 22% they're ongoing. And it's clear if you do allow us to add that change of adviser form and 22% they're ongoing as well from them. So it's by no means the reason for our recommendation, but we like to disclose everything that we do receive Yep. just so you are fully aware. But I work under the corporations act and under the best interest duty as part of section nine two one b of the corporations act. So Yep. everything I do has to be in your best interest, and under best interest duty, if your needs come into that conflict of the business of my bosses, I have to put you first. So I'm I'm very Yep. passionate about that, and I wanna make sure you guys are looked after a 110%. Okay? Yep.","start_word":8665,"end_word":9140,"sentiment":"neutral","sentiment_score":0.12507427109702796},{"text":"Fantastic.","start_word":9141,"end_word":9141,"sentiment":"positive","sentiment_score":0.4455526471138001},{"text":"That is a lot, and I fully understand. So either of you have any questions at the moment? No. I'm all good. Thanks. No? Excellent.","start_word":9142,"end_word":9166,"sentiment":"neutral","sentiment_score":0.12986136972904205},{"text":"Excellent. All good.","start_word":9167,"end_word":9169,"sentiment":"positive","sentiment_score":0.3489508628845215},{"text":"Feel free to take some time to read it through. Attached to the the the Odo sign there as well, I do also have your ongoing service agreement for the next twelve months. They just need to be updated as well.","start_word":9170,"end_word":9210,"sentiment":"neutral","sentiment_score":0.2337040901184082},{"text":"So you're happy to stay on board and have us implement everything for you. I am making sure that we do catch up moving forward.","start_word":9211,"end_word":9235,"sentiment":"positive","sentiment_score":0.4718491733074188},{"text":"Last year was a little bit difficult with everything, but I'm myself and my colleague, Samantha, who you probably spoke to the other day, are making sure everyone does get their catch ups in there. And I know you guys prefer you later in the evening because you've worked so hard. Did you want me to do catch ups with you every three or six months? Moving forward, what would you like to see? Definitely not three. I think six at the most. Six months? Yeah. Yep. Yep.","start_word":9236,"end_word":9323,"sentiment":"neutral","sentiment_score":0.12847268403592435},{"text":"Perfect. Easy.","start_word":9324,"end_word":9325,"sentiment":"positive","sentiment_score":0.5744233131408691},{"text":"What I can do is I can do a catch up for you. It'll probably be December because we're Yeah. July, so I'll do one just before the end of the year for you before we all go away on Christmas break. And then at that point, if you decide you wanna alter them to, you know, three months or the twelve months, you can let me know what you'd like to do. We can always alter and change the schedule. Just wanna make sure we do catch up with you guys, especially as you are, you know, getting closer to retirement. Just making sure that we're keeping up to date with what's happening, any changes in your life, updating advice, and especially the risk profile moving forward for you. Okay? Yep. Yeah.","start_word":9326,"end_word":9458,"sentiment":"neutral","sentiment_score":0.12246880680322648},{"text":"Excellent.","start_word":9459,"end_word":9459,"sentiment":"positive","sentiment_score":0.584928572177887},{"text":"And if you really enjoy reading, attached to the Odoo sign up, also got the product disclosure statements for Hub twenty four and for Fortura. We've got the Okey financial services guide for you as well and the appendices that outlines any additional research that I was able to do for you. So depending on how much reading you enjoy doing, that's all for you, but please take some time to read through the advice document. Let me know if you do happen to have any questions, and if you are happy just take on the recommendations. I'll get you to sign and return those back there for me. Okay? Yes.","start_word":9460,"end_word":9570,"sentiment":"neutral","sentiment_score":0.20541013777256012},{"text":"Beautiful. I really appreciate your time this evening. Thank you so much for taking my call.","start_word":9571,"end_word":9586,"sentiment":"positive","sentiment_score":0.5684254169464111},{"text":"You've had a long day at work, so you're probably both exhausted and ready to have a sit down. Now I've just signed it, and I'm clicking Yep. next, and it keeps Yep. sending me to a multiline. Yep. So with that one there, that is just in case you don't wish to take on any part of the recommendations, you're allowed to pop that in there. If it's asking you to do anything with that, you can just put NA if you're happy to take on all the recommendations. Okay. Now it's letting me do it. Yep.","start_word":9587,"end_word":9684,"sentiment":"neutral","sentiment_score":0.09050138294696808},{"text":"Beautiful.","start_word":9685,"end_word":9685,"sentiment":"positive","sentiment_score":0.4713023900985718},{"text":"Yeah. We put that text box in there now just in case there's any sections that someone doesn't wanna take or implement. It just allows you to make a little comment there. That's all. Okay. Yep. Easy. Not Beautiful. letting me sign. Is it just It's click taking me to is their there consent to renewal on ongoing fee arrangement. yep. And press that button. It hasn't given me a button. It just says next Oh. document. Oh, here we go. Click start. Yep. Signature. So sorry. Here we go. Yep. About Done. that, it Next should document. it should have a little signature button there for you. Oh goodness. You're Clear for your license. That's not that's not me. No. That's me. Yes. Probably. I think I'm done. Yeah. You will get the signed document. Okay. Done.","start_word":9686,"end_word":9823,"sentiment":"neutral","sentiment_score":-0.012179434636904707},{"text":"Beautiful. Thank you so much for that. I will That's let alright. you both go.","start_word":9824,"end_word":9838,"sentiment":"positive","sentiment_score":0.5206978917121887},{"text":"If you have any trouble, let me know. And, Yep.","start_word":9839,"end_word":9848,"sentiment":"neutral","sentiment_score":0.2191242277622223},{"text":"yeah, look, have a really good night. I hope you both get to put your feet up, enjoy some dinner, and relax. Thank you. You you too. Thanks so much. All good. Thanks. Thank you Thank for your you. time. Have a great See night. you.","start_word":9849,"end_word":9894,"sentiment":"positive","sentiment_score":0.6500784754753113},{"text":"See You you too. later. Bye. Bye. Bye.","start_word":9895,"end_word":9902,"sentiment":"neutral","sentiment_score":0.2041831761598587}],"average":{"sentiment":"neutral","sentiment_score":0.11490121589221668}}}}