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That's why we like to send try to call twice, and then we send a text message to make it a bit easier for you. But it's honestly not a problem at all. How's your day been? Yeah. No. That's okay. I do have your advisees ready to go. Do you have access to your emails? Are you able to review the document as we're going through it? Or yep. Beautiful. I'm just gonna send this one through to you there, Natalie. I've just pressed send on the email now. Beautiful. Lovely. In the message I got the other day, it mentioned that you might be having some changes to your job as well. Yep. Perfect. Yep. Yep. Okay. Perfect. Yep. No. That's okay. Not a problem at all. So I think one of the questions there was how this might affect your insurances. Realistically, your life and TPD, there's no issue there. There's no issue with your insurances whatsoever. The main sort of thing comes down to the income protection side of it. So when you do get that new job and you've got the higher income there, we may need to just reevaluate the income protection side of things for you to see if we may maybe need to increase that or whether that level of income protection is still gonna be sufficient for your your your weekly needs, yeah, or monthly needs. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Well, if you decide that it's not enough and you do wanna look at increasing that, do let me know. I'm more than happy to talk about it, look at what the options are. We'll reassess your health and see what kinda contracts might be offered. Because if you were on a claim, we don't want you to be underinsured and not, you know, too much that's really affecting your life. And, look, there are other options that we can look at as well. So if you don't wanna increase the insurances, we can always look at whether you've got some money in cash flow outside of super, maybe set up a savings and start building a a bit of a buffer with savings there, or we can invest money for the future as well. And those sort of things can also help to close the gap for you. So, yeah, but, I mean, at your age, it is it is gonna be more expensive to increase insurances, but it just comes down to what you're comfortable with and whether this income protection is gonna give you enough of a buffer in the event that you were unable to work. So yeah. Yeah. Yeah. Perfect. Not a problem at all. All good. Well, congratulations on this new new role, and an increase in pay is always a good thing. Absolutely. You've got a lot going on. Yep. Wow. A lot of changes to come. Yeah. Definitely. All good. Well, good luck with it all. Hopefully, it all it works out really well for you that you enjoy your new role when that time comes. So that'll be good. We'll definitely make sure we are catching up with you over the course of the year as well just to see how things are going. Okay? Yeah. Beautiful. Has that email popped through to you there at all? Perfect. So when you open the email there, it does have the statement of advice set as an attachment. Otherwise, you can also press the button that does say sign. However, it won't ever ask you to sign until you've read the document. So you can press that that button go through so you can see the document. It'll let you scroll up and down through the pages there. Is that working? Yep. Perfect. Yeah. Absolutely. No. Not a problem at all. On the first page of the document there, it does state statement of advice prepared for yourself as of the 03/20/2026 prepared by myself and my beautiful team here, Dana Taylor. My authorized representative number with Oakview Financial and registered through ASIC is 1304394. Okay? The next set of pages are outlining the best interest, Judy. So just letting you know that any advice we do provide is there in your best interest. It's aimed to help you towards meeting your long term your retirement goals, and we make sure we do go through the process we do of doing enough research, making sure that it's all working better for you. And we can't provide advice if it's not gonna put you in a better position. Okay? Excellent. The next page is your table of contents, and after that, you'll see the scope of the advice. So we're scoping in superannuation at the moment, looking at the best way to have your your investment structured. We know there has been a bit of market volatility out there. We talked about looking at the separately managed account, which allows us to make changes to the investments without having to call you and go through things. So it just does give the investment committee greater control over making sure you're invested correctly, but also making sure that it's working for you at the same time. Okay. I've, yeah, sorry. You're at mhmm. Yep. No. No. So with HAB 24, the main reason we couldn't alter any of the investments prior to doing this document is that when you came on board originally, you were recommended a set portfolio. That set portfolio outlined exactly what investments you would be invested in. So for us to change those investments, we actually need to update advice. So by moving into the SMA, that actually changes. So the SMA, essentially, in your super fund, you will see the bloom or the evergreen you'll see an SMA product with the amount of money you have in there. And underlying inside that SMA, there's anywhere between, you know, 10 to 20 to 50 different investment options depending on what we need to be invested in. So you actually don't see all those underlines. You just see the estimate product and where your funds are. It does change the visibility a little bit, but it means that the investment committee have a lot more control or we can make changes to the product. So, say, with what happened with Bennelong, if we saw that happen again, instead of having to book you in and have that conversation, we can take that investment out straight away and put something else in its place and move that money around. So it's providing more of a benefit to you. Things can be moved a lot faster, and we don't have to go through the whole conversation with you. In saying that, we also do because you do lose a bit of visibility by having these sorts of accounts, we do every quarter the investment committee meet, and we do get trade reports whenever big changes are made. So we can be sending you those throughout the year as well. Okay? Yeah. That's okay. We've also got the estate planning side of things scoped in. So you wanted to make sure that your beneficiaries were set up. So in the event of passing that the the benefit was paid out to your son and daughter, so Reese and Jessica, but you wanted to be set up so it's paid out in the most tax effective way for them as well. So I have made a recommendation to alter those nominations for you. Okay? We're not we've scoped into a limited scope for insurances. So we're not making a recommendation on altering the insurances at all. However, they are scoped in on a limited basis. Because your insurances are paid out if you're super, it still has a long term effect on your super and your retirement goals. So we do keep it as a limited scope to show you the long term effect of that. Okay? And then we've also got here not on the next page. Sorry. What we're not considering. So we don't have trauma at the moment. You didn't wanna look at getting any additional insurance cover to what you had. So we're not making a recommendation around trauma, but we can always talk about that down the track if you change your mind. Okay? Perfect. The next page is we've got the limited advice warning. So just letting you know we scope in and out areas that we are and are not providing advice on. We can also refer you to a solicitor for the drafting of wills and power of attorneys and reviewing of those. If you do need any a general insurance broker for things like home, motor, contents, business insurance liability, things like that, we can also refer you to a general insurance broker if you need. And the bottom section there lets you know that I am under the Better Advice Act 2021, allowed to provide financial advice related to tax and tax related issues. We're not accountants, though, so we don't do your tax return, but we can always refer you to an accountant if you require those services as well. Okay? Perfect. Yeah. Yeah. Yeah. Yeah. If you're looking at a novated lease, if you can get the contract for me, I can kinda break it down and just give you some general information around on that. Absolutely. Yeah. Perfect. Not a worry. The next page that outlines the about you section, I know your income is due to increase in the coming weeks there possibly as well. The rest of the information is based on the last fax line that we had there. Is there anything else that should be sort of updated or changed, do you think? No. Perfect. And the next page outlines your assets and liabilities noted down there. So we've got nothing major noted, and then we've got your superannuation and insurances noted there as well with the current rates. Okay? Perfect. Now the next couple of pages do so to start taking you to the recommendations. After the call, you're welcome to go back and have a really good read of things. But to make it easier for you with the way I'm gonna present it to you, if you can just scroll directly down to page number 18 for me, this essentially outlines the recommendations we're making and the effect to show you. Okay? Perfect. So at the moment, you are in hub twenty four. We're not making any direct changes to the the super fund. We're still recommending you retain hub twenty four. It is still a great platform, and hub twenty four definitely allows us to utilize all the different investment options to be able to build and create these portfolios for you. What I am recommending we do is we move out of your current high growth portfolio and into the SMA. So on the bottom of that table, you'll see your current high growth portfolio noted, and then we're gonna move you into the OVF SMA blend. When we look at the way the high growth portfolio over the last five years, your current has averaged, and we know this is just what the investments have averaged. We know your return is completely different because then long hasn't been performing this year, and we know you don't get 48% exactly every year. So it's just taking all of the investments, looking at what the returns were over the past five years, and then averaging them out for you. Okay? With the SMA blend there, you can actually see that the past five year rolling average has averaged a little bit higher than what your current high growth portfolio is. So by moving into that into that SMA product, you can tend to get the greater potential returns if the market perform the same way as it does. But the other good thing about this is actually cheaper in fees for you. So whilst we are retaining Hub, we actually move you away from the core products and into the choice product. Sorry. Out of the choice product and into the core product. So we just change the product within hub 24 that you have. And by doing that, it actually reduces the administration fees. So currently, you're paying about $13.32. By changing the product in hub 24 and moving into the SMA, we can reduce your administration fees by about a $180 for the year, which is a benefit. Okay? With the investment fees there by moving into the SMA, instead of paying the $19.26, we can reduce your investment fees by about $238 for the year as well. So that's essentially giving you a little bit more money invested, working harder for you, paying a little bit less in fees, which is important as well. Okay? Perfect. If you scroll up for me just by two pages, the page number 16, this is essentially what we are buying and selling there. So with the investments, you'll see what you have at the moment. You've got some cybersecurity. We've got some India. We've got some health care, the S and P 500. We've got the Rafi Aussie 200, some Benelon Australian Equities, the JPMorgan Research Enhanced Index Fund. We've got some Global X Physical Gold and also the BetaShares Bank Hybrid. So this table shows that we're gonna be selling all of those. Essentially, some of these do exist in the SMA, so they will be in specie transferred over to help limit limit the capital gains effect for you. But, essentially, we'll be removing all of these out of your portfolio within Hub twenty four and moving you straight into the Bloom SMA. So it's a high growth product. So when you look at Hub 24, once this is completed, this is what you'll see. You'll see the Bloom SMA with, essentially, the total balance sitting in there, and that's what it'll basically look like. And then within that product, underneath there, there'll be a lot of different investment options that we'll be investing in, maneuvering money around, and making changes throughout the time for you. So being in the SMA definitely doesn't take away the need for reviews and catch ups and things because we wanna make sure it's still working for you, and this SMA is a high growth product. So as you get older and closer to wanting to access your super, you're not gonna wanna be in that high growth environment anymore. You're gonna wanna reduce yourself back a little bit. So we'll be able to pick that time as to when we do that and start to reduce things back. And the catch ups and then your reviews will also allow allow us to help make sure that this is still working for you. And if it's not, we'll move you out of the product and into something else. Okay? Do you have any questions so far at all? No. That's okay. It's really important that we do sort of note as well that there is the best interest duty on all of these. So the the recommendation has been noted in your best interest as your goal is to stay where you're super. Can be you want it working harder towards retiring age 67 currently with a target income, we're working on about a thousand dollars on a weekly basis there. So you wanna have the funds invested in a timely manner and allow us to be able to make changes to the investments as the market or as the situation requires. So this product is in your best interest because it allows you to do so. It's lower in fees, so it means there's more money invested there for you. And it also means that, you know, we can make those changes as you sort of wanted us to, which is important as well. Okay? Perfect. Another good thing to kinda point out for you is that the CGT consequences so back on that fee comparison table there, we always double check what the CGT consequences are. And for moving into the SMA, your super fund would be expected to pay CDT, so capital gains tax of $891. So we've done this to try and minimize the capital gains tax as much as possible. Okay? Yep. Perfect. Do you have any questions at the moment at all? No? That's okay. Yeah. That's okay. I try to run through this as easy as possible, but then you'll get some time to go back and have it read through the document as well. Above that, there are other disadvantages, the advantages, risks, and alternatives considered for you to look over. I go through some of those as part of this for you as I have, but there are others there. And it's often easier for you to go back after I've stopped talking to you and let you read through the document and take a little bit of it in as well. Yeah. That's okay. Underneath that on the next page there, you'll see the projection outcome. So, essentially, if the portfolio was able to get the return that we have seen over the past years, essentially, over the next sort of five to ten years, you can essentially see where you could end up. Okay? Perfect. That's essentially the super recommendations there. We're not making any changes to the insurance side of things. So that is all factored into that projection table there. On the next page, we do have the beneficiary side of things. So we did talk about making sure the beneficiaries are set up in the most tax effective way. So because your kids are nontax dependent, in the event that they were to receive your super and life proceeds after passing, they do pay tax. It's 15% plus the Medicare left piece up to 17% on the taxable component, so it can reduce the amount that they do or are able to receive. The most tax effective way to have these set up is to take your legal personal representative. So it just basically means that in the event of passing, if you have LPR attached to your super and your life insurance, the proceeds go directly through to your estate. They get logged into your estate with everything else, so your house, your cars, and things like that. And through your will, in your body of your will, you would outline that you wanted the funds to be split and go to your children. The best way and the most tax effective way to do this is that through your will, you can have things like trust set up. You can, you know, have it set up so they get a certain amount. They can have an income set up on a regular basis. They're not receiving a full lump sum. You can also have it set up so children receiving different amounts or different benefits. If you want your house to go to one part child or you want the money to go to another child. So there's different ways of setting it up that way, but having it directed through your will instead of direct to your kids can help alleviate and reduce some of the tax they have to pay on the benefit. And then it gives you a lot more control as to how you set your will up and how you have your estate paid out to your children as well. Okay? Yeah. Beautiful. Do you have any questions about that at all, about the the setup or the beneficiaries or not beautiful. I mean, at the end of the day, this is kind of a a backup solution. We realistically want you to get to retirement, be able to draw down your income, and use it for you at the end of the day. But this is just kind of a backup. If something was to happen to you, this is sort of the best way to structure to make it easier for you. It is just important that you do have a will drawn up to factor in the amount of money that you get the funds that would need to come through and make sure that the will is drawn up so that you can distribute things the way you want them to. The nomination type we have there is the binding non lapsing. So that essentially binds the trustee to follow the direction, and non lapsing means you only have to fill out one form. So it makes it nice and easy, and that stays applied to the super and the last cover until you revoke or alter that nomination. Okay? Perfect. I have put in there for you advantages, disadvantages, risks, and alternatives considered there as well for you to run your eyes over. And I've also left in there below that essentially just making sure that you do have a will drawn up. We also do have solicitors we can refer you through to. They can review the will you do have and make suggestions to how best to struct sorry, how best to structure things for you. And, also, making sure our power of attorney is set up as well because it's not standard as part of every will. It is a separate document, and it's something I do see quite irregularly. A power of attorney might be missed. So, yeah, having one of those set up as well, making sure you've got someone that you trust to make decisions on your behalf, whether it be medical or financial, and making sure that they're aware that this is their obligation and these are what your wishes are. This is what you want to happen in the event that you're unable to make those decisions for yourself there. Okay? Perfect. That is essentially all the recommendations I needed to run through. When you get to the very end of the document there sorry. On page number 32, we do outline that this there is no upfront implementation fees for the advice. The advice is all provided to yourself as you're an ongoing client. It's about them providing advice in your best interest as they're working towards your goals and trying to make sure we continue to do so and put you in the best possible position for retirement there. Because you are 51, I do this is sort of focusing on the next ten years there. But as we get closer to your retirement, it'd be great to look a bit deeper at your retirement aspect. Generally, when you're about sort of under two years out, we really sort of nut the advice down, look at the drawdown aspect. Are you eligible for Centrelink, how that works for you as well? So we'll keep just reviewing things, doing catch up with you, and making sure that we update the advice as required. You do pay an ongoing service fee for our services of 1.65% that is noted in here as well. And we do receive remuneration from the insurance company. So we do receive 22% there ongoing of the insurance premiums paid by the insurer to us. However, it has no effect. So if the insurance has become too expensive or you need to reevaluate those, let me know. Happy to really do that with you. The remuneration is just another aspect of that. It has no effect on our recommendations in any way, shape, or form. It's all legislated across the board that every insurer pays us the exact same amount for the insurance premiums. The important thing with those insurances is they are also gonna get more expensive as you get older as well. So we wanna sort of adjust those moving forward to make sure you're not it's not eating away too much of your super over time as well. Okay? Yeah. Absolutely. Yeah. Yeah. No. Absolutely. Yeah. No. Absolutely. But no. Look. That that's essentially all I have at the moment. I did wanna sort of double check as well. When would you like the next sort of catch up? Did you wanna do catch ups maybe every half yearly, every quarter? How often would you like to do catch ups with me at the moment moving forward? Quarterly is good? Beautiful. Every three months? Lovely. I'll pop that in the calendar there for you. My lovely admin team member, Michelle, will give you a call and run through that one. So I will go back and add that to the calendar now. There we go. Beautiful. That's essentially all of the recommendations that we needed to run through. I will let you take it back and have a bit of a read through it. Let me know if you do happen to have any questions in relation to any other document or any other recommendations there. Happy to answer any questions that you might have. And if you are happy just to take on the recommendations, we'll just get you to sign and return it back there for me. Attached to the email, we've also got the appendices which runs the research we have. The financial services guide, which outlines everything about who we are, what we do, how we do it, has a lovely picture of me in there for you, and also notes everything about myself and my license number for you. And then we've also got any product disclosure statements related to the recommendations as well in case you wanted to run your eyes over those. Okay? Beautiful. No. Yeah. So in one of the last conversations we had, it was just, you know, what are we averaging? What do you sort of wanna draw out on a weekly basis? You weren't a 100% sure, so we're just looking at, on average, about a thousand dollars a week aiming for at the moment. But if you're at the moment, it doesn't really have a huge effect on the recommendations. But as you get closer to retirement, it will. If you feel like you would wanna draw more or less or change that amount in retirement, that's absolutely fine. Because, realistically, you are also renting the we will have to factor in the rent into the into your retirement as well because you will have to pay rent and continue unless you are able to purchase a property. But that's essentially just the the last amount we had noted that you were sorta averaging may have to or may want to draw down income wise at a super per week for retirement. That's flexible. That can also change. Your retirement age is the same thing. You could decide to retire earlier, later. It's completely up to you. But this is very fluid at the moment, so we can absolutely work on a different retirement age and a different retirement income if you'd like as well. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. No. Absolutely. When we kinda get about five years out, that's when I sort of really factor into the weekly income amount and really take into account the retirement projection. So when we get to about five years out, we'll really look at, you know, what age you wanna access super, what we're projecting to at the retirement age, are you eligible for Centrelink, and what kinda income you're gonna need because that's when we're really getting closer to it, and that's where we really need to consider those sorts of aspects. So, yeah, that's absolutely fine. Not a problem at all. Yeah. Give me something to think about too, what you think you might want to might need to draw down or might need to live on in those years. It is. Yeah. You're right. Yeah. Yeah. Yeah. Yes. Yeah. Yes. It can be. So you can be in that high growth environment. Generally, we like to when you're about eight years away from retirement, it really starts to knock that down, but it all comes down to what you're comfortable with as well. So if you're comfortable and you've got, you know, five years to retirement, you wanna take on a little bit more risk, you absolutely can. I tend to, when you're about eight years away, start to maybe reduce that risk level a little bit. We start to reduce it down in increments of 10%, so it's not a huge change, and we start to sort of do that for you. We can also, down the track, look at additional contributions so you don't have to take as much risk if you're putting more money into the market because you are, you know, helping to increase the amount that is invested, and that can help to increase the returns there as well. But you can stay in this higher growth environment for definitely a bit longer there. The the SMA stands for separately managed account. That's the essentially, a separately managed investment account where it's all the funds are pulled into that SMA. Think of it like Hub twenty four, your super fund. So the money goes into your super fund. The SMA is a very similar sort of vehicle. Within Hub twenty four, your money goes into the SMA, the separately managed account. That is the investment vehicle. And from there, we can invest in the investment vehicle. And from there, we can invest funds in, you know, anywhere between 10 to 50 different investments options more if we need to so that smaller amounts of money are pulled together and invested in a way that's diversified. And it allows us to make changes to those investments without having to sort of call and go, hey. We need to move this product. We need to move money out of here, and we need to do this. It can be altered without having to make those small changes so we can review those regularly. Does that help? Does that make a little bit more sense? Yeah. Yeah. Yeah. Yeah. Yeah. Definitely. And, look, the idea of the the separately managed account the same as any investment is that markets are always gonna be going up and down. So we will see times where investments may not be performing as well as others, and we kinda pick and choose when we need to move out of those. Ben along had a really big issue with one of underlying, which basically meant that the market had gone back and reevaluated that investment as a whole, and it was deemed to be no longer a suitable investment. But if you think of something else like the S and P 500, if that was to take a bit of a dip, we still see the top 500 companies in The US as being a solid investment. It's just that they're having a bit of a downtime at the moment. So it's about looking at the investments, why they're moving up and down, and is it still a solid investment? Does it do we see it coming back and still providing benefit to you, and this is the downtime we should take advantage of? Or is this investment no longer secure? We don't really think it's appropriate, and we need to remove you out of that investment. So it's about sort of weighing up those options when we look at why markets are moving and what's happening in those individual investments. Does that answer the question a bit? Yeah. Yeah. So the investment committee do meet every quarter. That way, they can review what's happening. They can meet more regularly if the markets require them to do so, but most investment managers meet on a quarterly basis to reevaluate what's happening. Generally speaking, when there are big market changes, you kind of don't wanna make split decisions. You wanna make sure the investments are, you know, they are down because of a certain reason. So you normally give them a length of time to see what they're doing. With Benelon, we probably waited about a month before we really sort of made a decision that it was definitely gonna be a problem and it wasn't gonna be, you know, resolved very, very quickly for them, and that we needed to move everybody out of that. But investment committee's always made every quarter unless it's a big, you know, big market change that they see something that could come out of it, and we need to meet a bit more Yeah. Yeah. Absolutely. So it does mean that we can maneuver funds as we need to. The SMA is a good product. It is a little cheaper. So, you know, making sure you have less in fees and more money invested is also a bit of a benefit there, and we're sort of working towards a goal. If we sort of catch up and find that it's not performing, it's not doing what we want it to, then we'll look at other options for you. The good thing about Hub is that we do have over, you know, 12 nearly 1,200 different investments that we can sort of choose from between Australian markets as well as overseas markets. So we have those options to maneuver those in the future. But at the moment, the estimate is a really great product. It's lowering the amount of fees you're gonna have to pay. It has been performing really well. And then, basically, it's also looked after at a risk per set perspective as well. So because it is looked after by our investment committee as well as the BlackRock investment committee, we utilize their tools for navigating risk. And so the investment portfolio that's being built within this SMA product has been built to maximize diversification and to reduce the overall risk level that you're taking as well whilst trying to maximize the return. So it definitely does provide a really good benefit for you moving forward. Yeah. Mhmm. Yep. Yeah. No. It is a it is a smart idea to jump into it now. Essentially, with the markets being up and down, by moving out of Bannalong, we are cementing the losses that Bannalong has seen. However, we are able to offset a lot of the gains as well by moving. So taking the moment now and moving it now is a better decision than if we did this down the track because you are in your fifties. If we waited too long, you don't have as long to allow the compounding effect to begin again. So moving now means you've got that time ahead of you to allow your portfolio to recover, to start growing, and to start compounding moving forward. Okay? Yeah. Yeah. Yeah. Yeah. Yeah. That's if you would get the right the same return that the market has provide or this portfolio has provided over the last five years. So, essentially, we don't expect to get that every year. We you know, some use, you might get a 15 or 20 percent return. Some use, it might only be a five or 10% return. So this is kinda averaging. However, you could obtain a 15% return. Marcus could do all sorts of things. And at this time last year, we did not think we're gonna be here this year. So, you know, there's a lot of different factors there, but, essentially, the estimate does put you in front even if it's just looking at the the difference in the reduction of fees. And we know, overall, you're lowering the risk level as well. It's one of the big things that is our job is to try and mitigate risk as much as possible. So the SMA, with using BlackRock, they have what's called the Aladdin computer. And when the investment committee input the different investments, it fits at a level of risk and tells us how much risk that you're taking by having money invested in this and, you know, how much diversification you're getting and things like that. So, this SMA is helping to reduce the overall level of risk, reduce the fees there, and it can put you in a better position moving forward. So it is definitely better to try and do this now than to wait a few years down the track for sure. Yeah. Yeah. Oh, good. And I'll be here to guide you. And if it's if it's not working for you, I will move you out of it just as quickly. Okay. That's okay. If you have any questions after you've read through the document, let me know. I know it can be a big decision to think it through, read the advantages, disadvantages, risks. And if you're not sure, well, you're welcome to let me know, and I'll make sure we do do those catch ups every quarter with you so we can help guide you along. Okay? Yeah. All good, Natalie. Thank you for your time. I really appreciate it. Anytime. Have a reach you and let me know if there's any questions that you might have. I am away over the Easter period, but I'm here all the way through till next Wednesday. So if there's anything in the meantime, let me know. Otherwise, I can always get the team to email me over the course of me being away, and I can get back to you as quickly as possible. Okay? That's it. My pleasure. You thank you. Thank you. I hope you have a good Easter, and I hope you get some downtime. I know it's a long weekend. It'll be nice. Yeah. No. Beautiful. Well, thank you so much for your time today. I hope you have a good rest of your day. And, again, let me know if there's anything you need. Okay? My pleasure. I'll talk to you soon. Thanks, Natalie. See you. 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afternoon. This is Dana. Oh, that's okay. It's not a problem at all. Sometimes people screen the calls.\n\nThat's why we like to send try to call twice, and then we send a text message to make it a bit easier for you. But it's honestly not a problem at all. How's your day been? Yeah. No.\n\nThat's okay. I do have your advisees ready to go. Do you have access to your emails? Are you able to review the document as we're going through it? Or yep.\n\nBeautiful. I'm just gonna send this one through to you there, Natalie. I've just pressed send on the email now. Beautiful. Lovely.\n\nIn the message I got the other day, it mentioned that you might be having some changes to your job as well. Yep. Perfect. Yep. Yep.\n\nOkay. Perfect. Yep. No. That's okay.\n\nNot a problem at all. So I think one of the questions there was how this might affect your insurances. Realistically, your life and TPD, there's no issue there. There's no issue with your insurances whatsoever. The main sort of thing comes down to the income protection side of it.\n\nSo when you do get that new job and you've got the higher income there, we may need to just reevaluate the income protection side of things for you to see if we may maybe need to increase that or whether that level of income protection is still gonna be sufficient for your your your weekly needs, yeah, or monthly needs. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Well, if you decide that it's not enough and you do wanna look at increasing that, do let me know. I'm more than happy to talk about it, look at what the options are. We'll reassess your health and see what kinda contracts might be offered.\n\nBecause if you were on a claim, we don't want you to be underinsured and not, you know, too much that's really affecting your life. And, look, there are other options that we can look at as well. So if you don't wanna increase the insurances, we can always look at whether you've got some money in cash flow outside of super, maybe set up a savings and start building a a bit of a buffer with savings there, or we can invest money for the future as well. And those sort of things can also help to close the gap for you. So, yeah, but, I mean, at your age, it is it is gonna be more expensive to increase insurances, but it just comes down to what you're comfortable with and whether this income protection is gonna give you enough of a buffer in the event that you were unable to work.\n\nSo yeah. Yeah. Yeah. Perfect. Not a problem at all.\n\nAll good. Well, congratulations on this new new role, and an increase in pay is always a good thing. Absolutely. You've got a lot going on. Yep.\n\nWow. A lot of changes to come. Yeah. Definitely. All good.\n\nWell, good luck with it all. Hopefully, it all it works out really well for you that you enjoy your new role when that time comes. So that'll be good. We'll definitely make sure we are catching up with you over the course of the year as well just to see how things are going. Okay?\n\nYeah. Beautiful. Has that email popped through to you there at all? Perfect. So when you open the email there, it does have the statement of advice set as an attachment.\n\nOtherwise, you can also press the button that does say sign. However, it won't ever ask you to sign until you've read the document. So you can press that that button go through so you can see the document. It'll let you scroll up and down through the pages there. Is that working?\n\nYep. Perfect. Yeah. Absolutely. No.\n\nNot a problem at all. On the first page of the document there, it does state statement of advice prepared for yourself as of the 03/20/2026 prepared by myself and my beautiful team here, Dana Taylor. My authorized representative number with Oakview Financial and registered through ASIC is 1304394. Okay? The next set of pages are outlining the best interest, Judy.\n\nSo just letting you know that any advice we do provide is there in your best interest. It's aimed to help you towards meeting your long term your retirement goals, and we make sure we do go through the process we do of doing enough research, making sure that it's all working better for you. And we can't provide advice if it's not gonna put you in a better position. Okay? Excellent.\n\nThe next page is your table of contents, and after that, you'll see the scope of the advice. So we're scoping in superannuation at the moment, looking at the best way to have your your investment structured. We know there has been a bit of market volatility out there. We talked about looking at the separately managed account, which allows us to make changes to the investments without having to call you and go through things. So it just does give the investment committee greater control over making sure you're invested correctly, but also making sure that it's working for you at the same time.\n\nOkay. I've, yeah, sorry. You're at mhmm. Yep. No.\n\nNo. So with HAB 24, the main reason we couldn't alter any of the investments prior to doing this document is that when you came on board originally, you were recommended a set portfolio. That set portfolio outlined exactly what investments you would be invested in. So for us to change those investments, we actually need to update advice. So by moving into the SMA, that actually changes.\n\nSo the SMA, essentially, in your super fund, you will see the bloom or the evergreen you'll see an SMA product with the amount of money you have in there. And underlying inside that SMA, there's anywhere between, you know, 10 to 20 to 50 different investment options depending on what we need to be invested in. So you actually don't see all those underlines. You just see the estimate product and where your funds are. It does change the visibility a little bit, but it means that the investment committee have a lot more control or we can make changes to the product.\n\nSo, say, with what happened with Bennelong, if we saw that happen again, instead of having to book you in and have that conversation, we can take that investment out straight away and put something else in its place and move that money around. So it's providing more of a benefit to you. Things can be moved a lot faster, and we don't have to go through the whole conversation with you. In saying that, we also do because you do lose a bit of visibility by having these sorts of accounts, we do every quarter the investment committee meet, and we do get trade reports whenever big changes are made. So we can be sending you those throughout the year as well.\n\nOkay? Yeah. That's okay. We've also got the estate planning side of things scoped in. So you wanted to make sure that your beneficiaries were set up.\n\nSo in the event of passing that the the benefit was paid out to your son and daughter, so Reese and Jessica, but you wanted to be set up so it's paid out in the most tax effective way for them as well. So I have made a recommendation to alter those nominations for you. Okay? We're not we've scoped into a limited scope for insurances. So we're not making a recommendation on altering the insurances at all.\n\nHowever, they are scoped in on a limited basis. Because your insurances are paid out if you're super, it still has a long term effect on your super and your retirement goals. So we do keep it as a limited scope to show you the long term effect of that. Okay? And then we've also got here not on the next page.\n\nSorry. What we're not considering. So we don't have trauma at the moment. You didn't wanna look at getting any additional insurance cover to what you had. So we're not making a recommendation around trauma, but we can always talk about that down the track if you change your mind.\n\nOkay? Perfect. The next page is we've got the limited advice warning. So just letting you know we scope in and out areas that we are and are not providing advice on. We can also refer you to a solicitor for the drafting of wills and power of attorneys and reviewing of those.\n\nIf you do need any a general insurance broker for things like home, motor, contents, business insurance liability, things like that, we can also refer you to a general insurance broker if you need. And the bottom section there lets you know that I am under the Better Advice Act 2021, allowed to provide financial advice related to tax and tax related issues. We're not accountants, though, so we don't do your tax return, but we can always refer you to an accountant if you require those services as well. Okay? Perfect.\n\nYeah. Yeah. Yeah. Yeah. If you're looking at a novated lease, if you can get the contract for me, I can kinda break it down and just give you some general information around on that.\n\nAbsolutely. Yeah. Perfect. Not a worry. The next page that outlines the about you section, I know your income is due to increase in the coming weeks there possibly as well.\n\nThe rest of the information is based on the last fax line that we had there. Is there anything else that should be sort of updated or changed, do you think? No. Perfect. And the next page outlines your assets and liabilities noted down there.\n\nSo we've got nothing major noted, and then we've got your superannuation and insurances noted there as well with the current rates. Okay? Perfect. Now the next couple of pages do so to start taking you to the recommendations. After the call, you're welcome to go back and have a really good read of things.\n\nBut to make it easier for you with the way I'm gonna present it to you, if you can just scroll directly down to page number 18 for me, this essentially outlines the recommendations we're making and the effect to show you. Okay? Perfect. So at the moment, you are in hub twenty four. We're not making any direct changes to the the super fund.\n\nWe're still recommending you retain hub twenty four. It is still a great platform, and hub twenty four definitely allows us to utilize all the different investment options to be able to build and create these portfolios for you. What I am recommending we do is we move out of your current high growth portfolio and into the SMA. So on the bottom of that table, you'll see your current high growth portfolio noted, and then we're gonna move you into the OVF SMA blend. When we look at the way the high growth portfolio over the last five years, your current has averaged, and we know this is just what the investments have averaged.\n\nWe know your return is completely different because then long hasn't been performing this year, and we know you don't get 48% exactly every year. So it's just taking all of the investments, looking at what the returns were over the past five years, and then averaging them out for you. Okay? With the SMA blend there, you can actually see that the past five year rolling average has averaged a little bit higher than what your current high growth portfolio is. So by moving into that into that SMA product, you can tend to get the greater potential returns if the market perform the same way as it does.\n\nBut the other good thing about this is actually cheaper in fees for you. So whilst we are retaining Hub, we actually move you away from the core products and into the choice product. Sorry. Out of the choice product and into the core product. So we just change the product within hub 24 that you have.\n\nAnd by doing that, it actually reduces the administration fees. So currently, you're paying about $13.32. By changing the product in hub 24 and moving into the SMA, we can reduce your administration fees by about a $180 for the year, which is a benefit. Okay? With the investment fees there by moving into the SMA, instead of paying the $19.26, we can reduce your investment fees by about $238 for the year as well.\n\nSo that's essentially giving you a little bit more money invested, working harder for you, paying a little bit less in fees, which is important as well. Okay? Perfect. If you scroll up for me just by two pages, the page number 16, this is essentially what we are buying and selling there. So with the investments, you'll see what you have at the moment.\n\nYou've got some cybersecurity. We've got some India. We've got some health care, the S and P 500. We've got the Rafi Aussie 200, some Benelon Australian Equities, the JPMorgan Research Enhanced Index Fund. We've got some Global X Physical Gold and also the BetaShares Bank Hybrid.\n\nSo this table shows that we're gonna be selling all of those. Essentially, some of these do exist in the SMA, so they will be in specie transferred over to help limit limit the capital gains effect for you. But, essentially, we'll be removing all of these out of your portfolio within Hub twenty four and moving you straight into the Bloom SMA. So it's a high growth product. So when you look at Hub 24, once this is completed, this is what you'll see.\n\nYou'll see the Bloom SMA with, essentially, the total balance sitting in there, and that's what it'll basically look like. And then within that product, underneath there, there'll be a lot of different investment options that we'll be investing in, maneuvering money around, and making changes throughout the time for you. So being in the SMA definitely doesn't take away the need for reviews and catch ups and things because we wanna make sure it's still working for you, and this SMA is a high growth product. So as you get older and closer to wanting to access your super, you're not gonna wanna be in that high growth environment anymore. You're gonna wanna reduce yourself back a little bit.\n\nSo we'll be able to pick that time as to when we do that and start to reduce things back. And the catch ups and then your reviews will also allow allow us to help make sure that this is still working for you. And if it's not, we'll move you out of the product and into something else. Okay? Do you have any questions so far at all?\n\nNo. That's okay. It's really important that we do sort of note as well that there is the best interest duty on all of these. So the the recommendation has been noted in your best interest as your goal is to stay where you're super. Can be you want it working harder towards retiring age 67 currently with a target income, we're working on about a thousand dollars on a weekly basis there.\n\nSo you wanna have the funds invested in a timely manner and allow us to be able to make changes to the investments as the market or as the situation requires. So this product is in your best interest because it allows you to do so. It's lower in fees, so it means there's more money invested there for you. And it also means that, you know, we can make those changes as you sort of wanted us to, which is important as well. Okay?\n\nPerfect. Another good thing to kinda point out for you is that the CGT consequences so back on that fee comparison table there, we always double check what the CGT consequences are. And for moving into the SMA, your super fund would be expected to pay CDT, so capital gains tax of $891. So we've done this to try and minimize the capital gains tax as much as possible. Okay?\n\nYep. Perfect. Do you have any questions at the moment at all? No? That's okay.\n\nYeah. That's okay. I try to run through this as easy as possible, but then you'll get some time to go back and have it read through the document as well. Above that, there are other disadvantages, the advantages, risks, and alternatives considered for you to look over. I go through some of those as part of this for you as I have, but there are others there.\n\nAnd it's often easier for you to go back after I've stopped talking to you and let you read through the document and take a little bit of it in as well. Yeah. That's okay. Underneath that on the next page there, you'll see the projection outcome. So, essentially, if the portfolio was able to get the return that we have seen over the past years, essentially, over the next sort of five to ten years, you can essentially see where you could end up.\n\nOkay? Perfect. That's essentially the super recommendations there. We're not making any changes to the insurance side of things. So that is all factored into that projection table there.\n\nOn the next page, we do have the beneficiary side of things. So we did talk about making sure the beneficiaries are set up in the most tax effective way. So because your kids are nontax dependent, in the event that they were to receive your super and life proceeds after passing, they do pay tax. It's 15% plus the Medicare left piece up to 17% on the taxable component, so it can reduce the amount that they do or are able to receive. The most tax effective way to have these set up is to take your legal personal representative.\n\nSo it just basically means that in the event of passing, if you have LPR attached to your super and your life insurance, the proceeds go directly through to your estate. They get logged into your estate with everything else, so your house, your cars, and things like that. And through your will, in your body of your will, you would outline that you wanted the funds to be split and go to your children. The best way and the most tax effective way to do this is that through your will, you can have things like trust set up. You can, you know, have it set up so they get a certain amount.\n\nThey can have an income set up on a regular basis. They're not receiving a full lump sum. You can also have it set up so children receiving different amounts or different benefits. If you want your house to go to one part child or you want the money to go to another child. So there's different ways of setting it up that way, but having it directed through your will instead of direct to your kids can help alleviate and reduce some of the tax they have to pay on the benefit.\n\nAnd then it gives you a lot more control as to how you set your will up and how you have your estate paid out to your children as well. Okay? Yeah. Beautiful. Do you have any questions about that at all, about the the setup or the beneficiaries or not beautiful.\n\nI mean, at the end of the day, this is kind of a a backup solution. We realistically want you to get to retirement, be able to draw down your income, and use it for you at the end of the day. But this is just kind of a backup. If something was to happen to you, this is sort of the best way to structure to make it easier for you. It is just important that you do have a will drawn up to factor in the amount of money that you get the funds that would need to come through and make sure that the will is drawn up so that you can distribute things the way you want them to.\n\nThe nomination type we have there is the binding non lapsing. So that essentially binds the trustee to follow the direction, and non lapsing means you only have to fill out one form. So it makes it nice and easy, and that stays applied to the super and the last cover until you revoke or alter that nomination. Okay? Perfect.\n\nI have put in there for you advantages, disadvantages, risks, and alternatives considered there as well for you to run your eyes over. And I've also left in there below that essentially just making sure that you do have a will drawn up. We also do have solicitors we can refer you through to. They can review the will you do have and make suggestions to how best to struct sorry, how best to structure things for you. And, also, making sure our power of attorney is set up as well because it's not standard as part of every will.\n\nIt is a separate document, and it's something I do see quite irregularly. A power of attorney might be missed. So, yeah, having one of those set up as well, making sure you've got someone that you trust to make decisions on your behalf, whether it be medical or financial, and making sure that they're aware that this is their obligation and these are what your wishes are. This is what you want to happen in the event that you're unable to make those decisions for yourself there. Okay?\n\nPerfect. That is essentially all the recommendations I needed to run through. When you get to the very end of the document there sorry. On page number 32, we do outline that this there is no upfront implementation fees for the advice. The advice is all provided to yourself as you're an ongoing client.\n\nIt's about them providing advice in your best interest as they're working towards your goals and trying to make sure we continue to do so and put you in the best possible position for retirement there. Because you are 51, I do this is sort of focusing on the next ten years there. But as we get closer to your retirement, it'd be great to look a bit deeper at your retirement aspect. Generally, when you're about sort of under two years out, we really sort of nut the advice down, look at the drawdown aspect. Are you eligible for Centrelink, how that works for you as well?\n\nSo we'll keep just reviewing things, doing catch up with you, and making sure that we update the advice as required. You do pay an ongoing service fee for our services of 1.65% that is noted in here as well. And we do receive remuneration from the insurance company. So we do receive 22% there ongoing of the insurance premiums paid by the insurer to us. However, it has no effect.\n\nSo if the insurance has become too expensive or you need to reevaluate those, let me know. Happy to really do that with you. The remuneration is just another aspect of that. It has no effect on our recommendations in any way, shape, or form. It's all legislated across the board that every insurer pays us the exact same amount for the insurance premiums.\n\nThe important thing with those insurances is they are also gonna get more expensive as you get older as well. So we wanna sort of adjust those moving forward to make sure you're not it's not eating away too much of your super over time as well. Okay? Yeah. Absolutely.\n\nYeah. Yeah. No. Absolutely. Yeah.\n\nNo. Absolutely. But no. Look. That that's essentially all I have at the moment.\n\nI did wanna sort of double check as well. When would you like the next sort of catch up? Did you wanna do catch ups maybe every half yearly, every quarter? How often would you like to do catch ups with me at the moment moving forward? Quarterly is good?\n\nBeautiful. Every three months? Lovely. I'll pop that in the calendar there for you. My lovely admin team member, Michelle, will give you a call and run through that one.\n\nSo I will go back and add that to the calendar now. There we go. Beautiful. That's essentially all of the recommendations that we needed to run through. I will let you take it back and have a bit of a read through it.\n\nLet me know if you do happen to have any questions in relation to any other document or any other recommendations there. Happy to answer any questions that you might have. And if you are happy just to take on the recommendations, we'll just get you to sign and return it back there for me. Attached to the email, we've also got the appendices which runs the research we have. The financial services guide, which outlines everything about who we are, what we do, how we do it, has a lovely picture of me in there for you, and also notes everything about myself and my license number for you.\n\nAnd then we've also got any product disclosure statements related to the recommendations as well in case you wanted to run your eyes over those. Okay? Beautiful. No. Yeah.\n\nSo in one of the last conversations we had, it was just, you know, what are we averaging? What do you sort of wanna draw out on a weekly basis? You weren't a 100% sure, so we're just looking at, on average, about a thousand dollars a week aiming for at the moment. But if you're at the moment, it doesn't really have a huge effect on the recommendations. But as you get closer to retirement, it will.\n\nIf you feel like you would wanna draw more or less or change that amount in retirement, that's absolutely fine. Because, realistically, you are also renting the we will have to factor in the rent into the into your retirement as well because you will have to pay rent and continue unless you are able to purchase a property. But that's essentially just the the last amount we had noted that you were sorta averaging may have to or may want to draw down income wise at a super per week for retirement. That's flexible. That can also change.\n\nYour retirement age is the same thing. You could decide to retire earlier, later. It's completely up to you. But this is very fluid at the moment, so we can absolutely work on a different retirement age and a different retirement income if you'd like as well. Yeah.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nYeah. No. Absolutely. When we kinda get about five years out, that's when I sort of really factor into the weekly income amount and really take into account the retirement projection. So when we get to about five years out, we'll really look at, you know, what age you wanna access super, what we're projecting to at the retirement age, are you eligible for Centrelink, and what kinda income you're gonna need because that's when we're really getting closer to it, and that's where we really need to consider those sorts of aspects.\n\nSo, yeah, that's absolutely fine. Not a problem at all. Yeah. Give me something to think about too, what you think you might want to might need to draw down or might need to live on in those years. It is.\n\nYeah. You're right. Yeah. Yeah. Yeah.\n\nYes. Yeah. Yes. It can be. So you can be in that high growth environment.\n\nGenerally, we like to when you're about eight years away from retirement, it really starts to knock that down, but it all comes down to what you're comfortable with as well. So if you're comfortable and you've got, you know, five years to retirement, you wanna take on a little bit more risk, you absolutely can. I tend to, when you're about eight years away, start to maybe reduce that risk level a little bit. We start to reduce it down in increments of 10%, so it's not a huge change, and we start to sort of do that for you. We can also, down the track, look at additional contributions so you don't have to take as much risk if you're putting more money into the market because you are, you know, helping to increase the amount that is invested, and that can help to increase the returns there as well.\n\nBut you can stay in this higher growth environment for definitely a bit longer there. The the SMA stands for separately managed account. That's the essentially, a separately managed investment account where it's all the funds are pulled into that SMA. Think of it like Hub twenty four, your super fund. So the money goes into your super fund.\n\nThe SMA is a very similar sort of vehicle. Within Hub twenty four, your money goes into the SMA, the separately managed account. That is the investment vehicle. And from there, we can invest in the investment vehicle. And from there, we can invest funds in, you know, anywhere between 10 to 50 different investments options more if we need to so that smaller amounts of money are pulled together and invested in a way that's diversified.\n\nAnd it allows us to make changes to those investments without having to sort of call and go, hey. We need to move this product. We need to move money out of here, and we need to do this. It can be altered without having to make those small changes so we can review those regularly. Does that help?\n\nDoes that make a little bit more sense? Yeah. Yeah. Yeah. Yeah.\n\nYeah. Definitely. And, look, the idea of the the separately managed account the same as any investment is that markets are always gonna be going up and down. So we will see times where investments may not be performing as well as others, and we kinda pick and choose when we need to move out of those. Ben along had a really big issue with one of underlying, which basically meant that the market had gone back and reevaluated that investment as a whole, and it was deemed to be no longer a suitable investment.\n\nBut if you think of something else like the S and P 500, if that was to take a bit of a dip, we still see the top 500 companies in The US as being a solid investment. It's just that they're having a bit of a downtime at the moment. So it's about looking at the investments, why they're moving up and down, and is it still a solid investment? Does it do we see it coming back and still providing benefit to you, and this is the downtime we should take advantage of? Or is this investment no longer secure?\n\nWe don't really think it's appropriate, and we need to remove you out of that investment. So it's about sort of weighing up those options when we look at why markets are moving and what's happening in those individual investments. Does that answer the question a bit? Yeah. Yeah.\n\nSo the investment committee do meet every quarter. That way, they can review what's happening. They can meet more regularly if the markets require them to do so, but most investment managers meet on a quarterly basis to reevaluate what's happening. Generally speaking, when there are big market changes, you kind of don't wanna make split decisions. You wanna make sure the investments are, you know, they are down because of a certain reason.\n\nSo you normally give them a length of time to see what they're doing. With Benelon, we probably waited about a month before we really sort of made a decision that it was definitely gonna be a problem and it wasn't gonna be, you know, resolved very, very quickly for them, and that we needed to move everybody out of that. But investment committee's always made every quarter unless it's a big, you know, big market change that they see something that could come out of it, and we need to meet a bit more Yeah. Yeah. Absolutely.\n\nSo it does mean that we can maneuver funds as we need to. The SMA is a good product. It is a little cheaper. So, you know, making sure you have less in fees and more money invested is also a bit of a benefit there, and we're sort of working towards a goal. If we sort of catch up and find that it's not performing, it's not doing what we want it to, then we'll look at other options for you.\n\nThe good thing about Hub is that we do have over, you know, 12 nearly 1,200 different investments that we can sort of choose from between Australian markets as well as overseas markets. So we have those options to maneuver those in the future. But at the moment, the estimate is a really great product. It's lowering the amount of fees you're gonna have to pay. It has been performing really well.\n\nAnd then, basically, it's also looked after at a risk per set perspective as well. So because it is looked after by our investment committee as well as the BlackRock investment committee, we utilize their tools for navigating risk. And so the investment portfolio that's being built within this SMA product has been built to maximize diversification and to reduce the overall risk level that you're taking as well whilst trying to maximize the return. So it definitely does provide a really good benefit for you moving forward. Yeah.\n\nMhmm. Yep. Yeah. No. It is a it is a smart idea to jump into it now.\n\nEssentially, with the markets being up and down, by moving out of Bannalong, we are cementing the losses that Bannalong has seen. However, we are able to offset a lot of the gains as well by moving. So taking the moment now and moving it now is a better decision than if we did this down the track because you are in your fifties. If we waited too long, you don't have as long to allow the compounding effect to begin again. So moving now means you've got that time ahead of you to allow your portfolio to recover, to start growing, and to start compounding moving forward.\n\nOkay? Yeah. Yeah. Yeah. Yeah.\n\nYeah. That's if you would get the right the same return that the market has provide or this portfolio has provided over the last five years. So, essentially, we don't expect to get that every year. We you know, some use, you might get a 15 or 20 percent return. Some use, it might only be a five or 10% return.\n\nSo this is kinda averaging. However, you could obtain a 15% return. Marcus could do all sorts of things. And at this time last year, we did not think we're gonna be here this year. So, you know, there's a lot of different factors there, but, essentially, the estimate does put you in front even if it's just looking at the the difference in the reduction of fees.\n\nAnd we know, overall, you're lowering the risk level as well. It's one of the big things that is our job is to try and mitigate risk as much as possible. So the SMA, with using BlackRock, they have what's called the Aladdin computer. And when the investment committee input the different investments, it fits at a level of risk and tells us how much risk that you're taking by having money invested in this and, you know, how much diversification you're getting and things like that. So, this SMA is helping to reduce the overall level of risk, reduce the fees there, and it can put you in a better position moving forward.\n\nSo it is definitely better to try and do this now than to wait a few years down the track for sure. Yeah. Yeah. Oh, good. And I'll be here to guide you.\n\nAnd if it's if it's not working for you, I will move you out of it just as quickly. Okay. That's okay. If you have any questions after you've read through the document, let me know. I know it can be a big decision to think it through, read the advantages, disadvantages, risks.\n\nAnd if you're not sure, well, you're welcome to let me know, and I'll make sure we do do those catch ups every quarter with you so we can help guide you along. Okay? Yeah. All good, Natalie. Thank you for your time.\n\nI really appreciate it. Anytime. Have a reach you and let me know if there's any questions that you might have. I am away over the Easter period, but I'm here all the way through till next Wednesday. So if there's anything in the meantime, let me know.\n\nOtherwise, I can always get the team to email me over the course of me being away, and I can get back to you as quickly as possible. Okay? That's it. My pleasure. You thank you.\n\nThank you. I hope you have a good Easter, and I hope you get some downtime. I know it's a long weekend. It'll be nice. Yeah.\n\nNo. Beautiful. Well, thank you so much for your time today. I hope you have a good rest of your day. And, again, let me know if there's anything you need.\n\nOkay? My pleasure. I'll talk to you soon. Thanks, Natalie. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.04,"end":1.5999999,"sentiment":"positive","sentiment_score":0.3637000173330307},{"text":"This is Dana.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.18861674269040427},{"text":"Oh, that's okay.","start":6.24,"end":8.0,"sentiment":"neutral","sentiment_score":0.1841829294959704},{"text":"It's not a problem at all.","start":8.0,"end":9.28,"sentiment":"positive","sentiment_score":0.36891970038414},{"text":"Sometimes people screen the calls.","start":9.28,"end":10.719999,"sentiment":"neutral","sentiment_score":0.15288023352622987}],"sentiment":"neutral","sentiment_score":0.2538799169032197,"num_words":19,"start":1.04,"end":10.719999},{"sentences":[{"text":"That's why we like to send try to call twice, and then we send a text message to make it a bit easier for you.","start":10.719999,"end":15.679999,"sentiment":"neutral","sentiment_score":0.2629389035701752},{"text":"But it's honestly not a problem at all.","start":15.679999,"end":17.815,"sentiment":"positive","sentiment_score":0.5014958642423153},{"text":"How's your day been?","start":17.815,"end":19.115,"sentiment":"neutral","sentiment_score":0.30134816467761993},{"text":"Yeah.","start":28.07,"end":28.31,"sentiment":"neutral","sentiment_score":0.016413485631346703},{"text":"No.","start":28.31,"end":28.47,"sentiment":"neutral","sentiment_score":-0.058778684586286545}],"sentiment":"neutral","sentiment_score":0.30124274263970363,"num_words":39,"start":10.719999,"end":28.47},{"sentences":[{"text":"That's okay.","start":28.47,"end":29.449999,"sentiment":"neutral","sentiment_score":0.05449847364798188},{"text":"I do have your advisees ready to go.","start":29.83,"end":31.99,"sentiment":"neutral","sentiment_score":0.17306417785584927},{"text":"Do you have access to your emails?","start":31.99,"end":34.57,"sentiment":"neutral","sentiment_score":0.054879087422575266},{"text":"Are you able to review the document as we're going through it?","start":34.79,"end":37.67,"sentiment":"neutral","sentiment_score":0.06087196245789528},{"text":"Or yep.","start":37.67,"end":39.51,"sentiment":"neutral","sentiment_score":0.02855362929403782}],"sentiment":"neutral","sentiment_score":0.08597531581237432,"num_words":31,"start":28.47,"end":39.51},{"sentences":[{"text":"Beautiful.","start":39.51,"end":39.989998,"sentiment":"positive","sentiment_score":0.6185507774353027},{"text":"I'm just gonna send this one through to you there, Natalie.","start":39.989998,"end":42.41,"sentiment":"neutral","sentiment_score":0.3189199323003942},{"text":"I've just pressed send on the email now.","start":42.87,"end":45.505,"sentiment":"neutral","sentiment_score":0.17104250751435757},{"text":"Beautiful.","start":46.685,"end":47.185,"sentiment":"positive","sentiment_score":0.6326771378517151},{"text":"Lovely.","start":47.725,"end":48.225,"sentiment":"positive","sentiment_score":0.6045124530792236}],"sentiment":"neutral","sentiment_score":0.30600907653570175,"num_words":22,"start":39.51,"end":48.225},{"sentences":[{"text":"In the message I got the other day, it mentioned that you might be having some changes to your job as well.","start":48.605,"end":54.145,"sentiment":"neutral","sentiment_score":0.10352699221535162},{"text":"Yep.","start":55.885002,"end":56.385002,"sentiment":"neutral","sentiment_score":0.07322615385055542},{"text":"Perfect.","start":60.44,"end":60.94,"sentiment":"neutral","sentiment_score":0.25179994106292725},{"text":"Yep.","start":62.440002,"end":62.940002,"sentiment":"neutral","sentiment_score":0.12715202569961548},{"text":"Yep.","start":69.33501,"end":69.83501,"sentiment":"neutral","sentiment_score":0.02306715771555901}],"sentiment":"neutral","sentiment_score":0.10587842719486126,"num_words":26,"start":48.605,"end":69.83501},{"sentences":[{"text":"Okay.","start":70.935005,"end":71.415,"sentiment":"neutral","sentiment_score":0.0977378636598587},{"text":"Perfect.","start":71.415,"end":71.915,"sentiment":"neutral","sentiment_score":0.22433899343013763},{"text":"Yep.","start":75.01501,"end":75.51501,"sentiment":"neutral","sentiment_score":0.03269277513027191},{"text":"No.","start":76.055,"end":76.295006,"sentiment":"neutral","sentiment_score":-0.038957998156547546},{"text":"That's okay.","start":76.295006,"end":76.935005,"sentiment":"neutral","sentiment_score":0.09791600704193115}],"sentiment":"neutral","sentiment_score":0.0852739413579305,"num_words":6,"start":70.935005,"end":76.935005},{"sentences":[{"text":"Not a problem at all.","start":76.935005,"end":77.895004,"sentiment":"neutral","sentiment_score":0.15629489719867706},{"text":"So I think one of the questions there was how this might affect your insurances.","start":77.895004,"end":81.435005,"sentiment":"neutral","sentiment_score":-0.046896775563557945},{"text":"Realistically, your life and TPD, there's no issue there.","start":81.575005,"end":84.375,"sentiment":"neutral","sentiment_score":0.18295965095361075},{"text":"There's no issue with your insurances whatsoever.","start":84.375,"end":86.37,"sentiment":"neutral","sentiment_score":-0.10161163232156209},{"text":"The main sort of thing comes down to the income protection side of it.","start":86.43,"end":89.47,"sentiment":"neutral","sentiment_score":0.04972282557615212}],"sentiment":"neutral","sentiment_score":0.03418995685875416,"num_words":50,"start":76.935005,"end":89.47},{"sentences":[{"text":"So when you do get that new job and you've got the higher income there, we may need to just reevaluate the income protection side of things for you to see if we may maybe need to increase that or whether that level of income protection is still gonna be sufficient for your your your weekly needs, yeah, or monthly needs.","start":89.47,"end":107.375,"sentiment":"neutral","sentiment_score":0.047876873710116404},{"text":"Yeah.","start":110.729996,"end":111.229996,"sentiment":"neutral","sentiment_score":0.04949012398719787},{"text":"Yeah.","start":115.77,"end":116.27,"sentiment":"neutral","sentiment_score":0.04751148074865341},{"text":"Yeah.","start":121.384995,"end":121.884995,"sentiment":"neutral","sentiment_score":-0.031017795205116272},{"text":"Yeah.","start":124.825,"end":125.145,"sentiment":"neutral","sentiment_score":0.05307761952280998}],"sentiment":"neutral","sentiment_score":0.04676231885185608,"num_words":65,"start":89.47,"end":125.145},{"sentences":[{"text":"Yeah.","start":125.145,"end":125.465,"sentiment":"neutral","sentiment_score":0.07603628933429718},{"text":"Absolutely.","start":125.465,"end":125.965,"sentiment":"neutral","sentiment_score":0.1212049201130867},{"text":"Well, if you decide that it's not enough and you do wanna look at increasing that, do let me know.","start":126.185,"end":130.58499,"sentiment":"neutral","sentiment_score":-0.15644076839089394},{"text":"I'm more than happy to talk about it, look at what the options are.","start":130.58499,"end":133.625,"sentiment":"neutral","sentiment_score":0.13525996284027184},{"text":"We'll reassess your health and see what kinda contracts might be offered.","start":133.625,"end":136.93001,"sentiment":"neutral","sentiment_score":0.05570455205937227}],"sentiment":"neutral","sentiment_score":-0.007697501122796287,"num_words":48,"start":125.145,"end":136.93001},{"sentences":[{"text":"Because if you were on a claim, we don't want you to be underinsured and not, you know, too much that's really affecting your life.","start":137.55,"end":143.41,"sentiment":"neutral","sentiment_score":-0.200740330517292},{"text":"And, look, there are other options that we can look at as well.","start":144.11,"end":146.75,"sentiment":"neutral","sentiment_score":0.0697619837637131},{"text":"So if you don't wanna increase the insurances, we can always look at whether you've got some money in cash flow outside of super, maybe set up a savings and start building a a bit of a buffer with savings there, or we can invest money for the future as well.","start":146.75,"end":159.745,"sentiment":"neutral","sentiment_score":0.12467620792049988},{"text":"And those sort of things can also help to close the gap for you.","start":159.745,"end":162.94499,"sentiment":"neutral","sentiment_score":0.22995801057134355},{"text":"So, yeah, but, I mean, at your age, it is it is gonna be more expensive to increase insurances, but it just comes down to what you're comfortable with and whether this income protection is gonna give you enough of a buffer in the event that you were unable to work.","start":162.94499,"end":177.285,"sentiment":"neutral","sentiment_score":0.06876800238501792}],"sentiment":"neutral","sentiment_score":0.05826924934789732,"num_words":154,"start":137.55,"end":177.285},{"sentences":[{"text":"So 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thing.","start":188.325,"end":192.74501,"sentiment":"positive","sentiment_score":0.7978294000906103},{"text":"Absolutely.","start":197.98,"end":198.48,"sentiment":"neutral","sentiment_score":0.32225191593170166},{"text":"You've got a lot going on.","start":198.78,"end":200.56,"sentiment":"neutral","sentiment_score":0.10747829700509708},{"text":"Yep.","start":205.18,"end":205.68,"sentiment":"neutral","sentiment_score":0.03819364681839943}],"sentiment":"positive","sentiment_score":0.5867542948711801,"num_words":27,"start":187.205,"end":205.68},{"sentences":[{"text":"Wow.","start":209.075,"end":209.575,"sentiment":"neutral","sentiment_score":0.08414612710475922},{"text":"A lot of changes to come.","start":209.635,"end":211.155,"sentiment":"neutral","sentiment_score":0.05480144793788592},{"text":"Yeah.","start":211.155,"end":211.635,"sentiment":"neutral","sentiment_score":0.15826964378356934},{"text":"Definitely.","start":211.635,"end":212.135,"sentiment":"neutral","sentiment_score":0.28369736671447754},{"text":"All good.","start":214.035,"end":214.595,"sentiment":"positive","sentiment_score":0.40802548825740814}],"sentiment":"neutral","sentiment_score":0.1519066183404489,"num_words":11,"start":209.075,"end":214.595},{"sentences":[{"text":"Well, good luck with it all.","start":214.595,"end":215.795,"sentiment":"positive","sentiment_score":0.6039804418881735},{"text":"Hopefully, it all it works out really well for you that you enjoy your new role when that time comes.","start":215.795,"end":219.875,"sentiment":"positive","sentiment_score":0.6256962537765502},{"text":"So that'll be good.","start":219.875,"end":220.56001,"sentiment":"neutral","sentiment_score":0.2838710732758045},{"text":"We'll definitely make sure we are catching up with you over the course of the year as well just to see how things are going.","start":220.56001,"end":225.94,"sentiment":"neutral","sentiment_score":0.25792142808437346},{"text":"Okay?","start":226.08,"end":226.58,"sentiment":"neutral","sentiment_score":0.07226486504077911}],"sentiment":"positive","sentiment_score":0.42488558191273895,"num_words":56,"start":214.595,"end":226.58},{"sentences":[{"text":"Yeah.","start":226.8,"end":227.3,"sentiment":"neutral","sentiment_score":0.18227659165859225},{"text":"Beautiful.","start":227.76001,"end":228.26001,"sentiment":"positive","sentiment_score":0.3815850615501404},{"text":"Has that email popped through to you there at all?","start":228.8,"end":231.3,"sentiment":"neutral","sentiment_score":0.09336356110870839},{"text":"Perfect.","start":233.21501,"end":233.71501,"sentiment":"neutral","sentiment_score":0.25560086965560913},{"text":"So when you open the email there, it does have the statement of advice set as an attachment.","start":234.095,"end":238.595,"sentiment":"neutral","sentiment_score":0.11358649159471194}],"sentiment":"neutral","sentiment_score":0.12250499944052388,"num_words":31,"start":226.8,"end":238.595},{"sentences":[{"text":"Otherwise, you can also press the button that does say sign.","start":239.13501,"end":241.77501,"sentiment":"neutral","sentiment_score":0.07400522922927683},{"text":"However, it won't ever ask you to sign until you've read the document.","start":241.77501,"end":245.07501,"sentiment":"neutral","sentiment_score":0.04898861365822645},{"text":"So you can press that that button go through so you can see the document.","start":245.695,"end":249.62001,"sentiment":"neutral","sentiment_score":0.07248004625240961},{"text":"It'll let you scroll up and down through the pages there.","start":249.62001,"end":252.36,"sentiment":"neutral","sentiment_score":0.06577295894649896},{"text":"Is that working?","start":257.54,"end":258.44,"sentiment":"neutral","sentiment_score":0.046450186520814896}],"sentiment":"neutral","sentiment_score":0.06416911888375597,"num_words":53,"start":239.13501,"end":258.44},{"sentences":[{"text":"Yep.","start":260.165,"end":260.64502,"sentiment":"neutral","sentiment_score":0.08005788922309875},{"text":"Perfect.","start":260.64502,"end":261.14502,"sentiment":"neutral","sentiment_score":0.1464259922504425},{"text":"Yeah.","start":266.325,"end":266.80502,"sentiment":"neutral","sentiment_score":0.041796423494815826},{"text":"Absolutely.","start":266.80502,"end":267.30502,"sentiment":"neutral","sentiment_score":0.0818895474076271},{"text":"No.","start":267.605,"end":267.92502,"sentiment":"neutral","sentiment_score":0.06842323392629623}],"sentiment":"neutral","sentiment_score":0.08371861726045608,"num_words":5,"start":260.165,"end":267.92502},{"sentences":[{"text":"Not a problem at all.","start":267.92502,"end":269.30502,"sentiment":"neutral","sentiment_score":0.11501880288124085},{"text":"On the first page of the document there, it does state statement of advice prepared for yourself as of the 03/20/2026 prepared by myself and my beautiful team here, Dana Taylor.","start":269.445,"end":278.69,"sentiment":"neutral","sentiment_score":0.08495937287807465},{"text":"My authorized representative number with Oakview Financial and registered through ASIC is 1304394.","start":278.99,"end":285.38998,"sentiment":"neutral","sentiment_score":0.06918119811094724},{"text":"Okay?","start":285.38998,"end":285.88998,"sentiment":"neutral","sentiment_score":0.04427563399076462},{"text":"The next set of pages are outlining the best interest, Judy.","start":286.975,"end":289.695,"sentiment":"neutral","sentiment_score":0.10396742143414238}],"sentiment":"neutral","sentiment_score":0.08682143309565842,"num_words":61,"start":267.92502,"end":289.695},{"sentences":[{"text":"So just letting you know that any advice we do provide is there in your best interest.","start":289.695,"end":293.615,"sentiment":"neutral","sentiment_score":0.14969464479123845},{"text":"It's aimed to help you towards meeting your long term your retirement goals, and we make sure we do go through the process we do of doing enough research, making sure that it's all working better for you.","start":293.615,"end":304.0,"sentiment":"positive","sentiment_score":0.4559197708180076},{"text":"And we can't provide advice if it's not gonna put you in a better position.","start":304.22,"end":307.28,"sentiment":"neutral","sentiment_score":-0.1260956438879172},{"text":"Okay?","start":307.58,"end":308.08,"sentiment":"neutral","sentiment_score":0.0986783653497696},{"text":"Excellent.","start":309.26,"end":309.76,"sentiment":"positive","sentiment_score":0.7521014213562012}],"sentiment":"neutral","sentiment_score":0.26151535251281327,"num_words":72,"start":289.695,"end":309.76},{"sentences":[{"text":"The next page is your table of contents, and after that, you'll see the scope of the advice.","start":310.38,"end":314.955,"sentiment":"neutral","sentiment_score":0.22210280721386275},{"text":"So we're scoping in superannuation at the moment, looking at the best way to have your your investment structured.","start":314.955,"end":321.535,"sentiment":"neutral","sentiment_score":0.12881971189850255},{"text":"We know there has been a bit of market volatility out there.","start":321.755,"end":324.555,"sentiment":"neutral","sentiment_score":0.0054511868705352145},{"text":"We talked about looking at the separately managed account, which allows us to make changes to the investments without having to call you and go through things.","start":324.555,"end":331.53,"sentiment":"neutral","sentiment_score":0.15782904983670623},{"text":"So it just does give the investment committee greater control over making sure you're invested correctly, but also making sure that it's working for you at the same time.","start":331.53,"end":340.27002,"sentiment":"neutral","sentiment_score":0.27564418264504137}],"sentiment":"neutral","sentiment_score":0.1787229041968073,"num_words":105,"start":310.38,"end":340.27002},{"sentences":[{"text":"Okay.","start":340.33002,"end":340.83002,"sentiment":"neutral","sentiment_score":0.037658385932445526},{"text":"I've, yeah, sorry.","start":342.17,"end":346.10498,"sentiment":"neutral","sentiment_score":-0.04751538516332706},{"text":"You're at mhmm.","start":348.34497,"end":354.56497,"sentiment":"neutral","sentiment_score":-0.0432578856125474},{"text":"Yep.","start":355.68,"end":356.18,"sentiment":"neutral","sentiment_score":-0.009875461459159853},{"text":"No.","start":358.8,"end":359.04,"sentiment":"neutral","sentiment_score":-0.07479681819677353}],"sentiment":"neutral","sentiment_score":-0.035481522894567914,"num_words":9,"start":340.33002,"end":359.04},{"sentences":[{"text":"No.","start":359.04,"end":359.28,"sentiment":"neutral","sentiment_score":-0.09156184643507004},{"text":"So with HAB 24, the main reason we couldn't alter any of the investments prior to doing this document is that when you came on board originally, you were recommended a set portfolio.","start":359.28,"end":367.86,"sentiment":"neutral","sentiment_score":-0.12245035487594026},{"text":"That set portfolio outlined exactly what investments you would be invested 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event of passing that the the benefit was paid out to your son and daughter, so Reese and Jessica, but you wanted to be set up so it's paid out in the most tax effective way for them as well.","start":456.175,"end":466.815,"sentiment":"positive","sentiment_score":0.44693629963453424},{"text":"So I have made a recommendation to alter those nominations for you.","start":466.815,"end":470.55002,"sentiment":"neutral","sentiment_score":0.18526766821742058},{"text":"Okay?","start":470.55002,"end":471.05002,"sentiment":"neutral","sentiment_score":0.05502263084053993},{"text":"We're not we've scoped into a limited scope for insurances.","start":472.47,"end":475.53,"sentiment":"neutral","sentiment_score":-0.09530316069722175},{"text":"So we're not making a recommendation on altering the insurances at 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page.","start":494.375,"end":496.95,"sentiment":"neutral","sentiment_score":-0.026702844791791656}],"sentiment":"neutral","sentiment_score":0.10602374071435582,"num_words":62,"start":479.67,"end":496.95},{"sentences":[{"text":"Sorry.","start":496.95,"end":497.27002,"sentiment":"neutral","sentiment_score":-0.17975103855133057},{"text":"What we're not considering.","start":497.27002,"end":498.39,"sentiment":"neutral","sentiment_score":-0.32046638429164886},{"text":"So we don't have trauma at the moment.","start":498.39,"end":500.07,"sentiment":"negative","sentiment_score":-0.39931946247816086},{"text":"You didn't wanna look at getting any additional insurance cover to what you had.","start":500.07,"end":503.69,"sentiment":"negative","sentiment_score":-0.3371509537100792},{"text":"So we're not making a recommendation around trauma, but we can always talk about that down the track if you change your mind.","start":503.99002,"end":509.43002,"sentiment":"neutral","sentiment_score":-0.07308683997910956}],"sentiment":"neutral","sentiment_score":-0.22114565894007682,"num_words":50,"start":496.95,"end":509.43002},{"sentences":[{"text":"Okay?","start":509.43002,"end":509.93002,"sentiment":"neutral","sentiment_score":0.05235149711370468},{"text":"Perfect.","start":510.965,"end":511.465,"sentiment":"positive","sentiment_score":0.5408859252929688},{"text":"The next page is we've got the limited advice warning.","start":512.16504,"end":514.72504,"sentiment":"neutral","sentiment_score":0.0353258328512311},{"text":"So just letting you know we scope in and out areas that we are and are not providing advice on.","start":514.72504,"end":519.305,"sentiment":"neutral","sentiment_score":-0.008924208208918571},{"text":"We can also refer you to a solicitor for the drafting of wills and power of attorneys and reviewing of those.","start":519.445,"end":524.85,"sentiment":"neutral","sentiment_score":0.03592791071250325}],"sentiment":"neutral","sentiment_score":0.028726371918927948,"num_words":53,"start":509.43002,"end":524.85},{"sentences":[{"text":"If you do need any a general insurance broker for things like home, motor, contents, business insurance liability, things like that, we can also refer you to a general insurance broker if you need.","start":525.32996,"end":535.43,"sentiment":"neutral","sentiment_score":0.058848460424034035},{"text":"And the bottom section there lets you know that I am under the Better Advice Act 2021, allowed to provide financial advice related to tax and tax related issues.","start":535.97,"end":545.505,"sentiment":"neutral","sentiment_score":0.09244936589023163},{"text":"We're not accountants, though, so we don't do your tax return, but we can always refer you to an accountant if you require those services as well.","start":545.885,"end":552.545,"sentiment":"neutral","sentiment_score":0.03221191534841502},{"text":"Okay?","start":552.605,"end":553.105,"sentiment":"neutral","sentiment_score":0.042193058878183365},{"text":"Perfect.","start":554.53,"end":555.03,"sentiment":"positive","sentiment_score":0.35686805844306946}],"sentiment":"neutral","sentiment_score":0.06468110974959057,"num_words":92,"start":525.32996,"end":555.03},{"sentences":[{"text":"Yeah.","start":561.01,"end":561.51,"sentiment":"neutral","sentiment_score":0.022407647222280502},{"text":"Yeah.","start":562.77,"end":563.27,"sentiment":"neutral","sentiment_score":0.02545379474759102},{"text":"Yeah.","start":563.65,"end":564.05,"sentiment":"neutral","sentiment_score":0.02846712991595268},{"text":"Yeah.","start":564.05,"end":564.29,"sentiment":"neutral","sentiment_score":0.029799848794937137},{"text":"If you're looking at a novated lease, if you can get the contract for me, I can kinda break it down and just give you some general 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well.","start":576.75494,"end":583.77,"sentiment":"neutral","sentiment_score":0.07929127171635628}],"sentiment":"neutral","sentiment_score":0.10461287356672748,"num_words":31,"start":572.035,"end":583.77},{"sentences":[{"text":"The rest of the information is based on the last fax line that we had there.","start":584.49,"end":587.85004,"sentiment":"neutral","sentiment_score":0.0763061095494777},{"text":"Is there anything else that should be sort of updated or changed, do you think?","start":587.85004,"end":591.31,"sentiment":"neutral","sentiment_score":0.05931358908613523},{"text":"No.","start":594.49,"end":594.81,"sentiment":"neutral","sentiment_score":-0.031481385231018066},{"text":"Perfect.","start":594.81,"end":595.31,"sentiment":"neutral","sentiment_score":0.1561373621225357},{"text":"And the next page outlines your assets and liabilities noted down there.","start":595.93,"end":599.315,"sentiment":"neutral","sentiment_score":0.07928285468369722}],"sentiment":"neutral","sentiment_score":0.07081448493732347,"num_words":45,"start":584.49,"end":599.315},{"sentences":[{"text":"So we've got nothing major noted, and then we've got your superannuation and insurances noted there as well with the current rates.","start":599.315,"end":606.915,"sentiment":"neutral","sentiment_score":0.10445933653549715},{"text":"Okay?","start":606.915,"end":607.415,"sentiment":"neutral","sentiment_score":0.09579644352197648},{"text":"Perfect.","start":609.15497,"end":609.65497,"sentiment":"positive","sentiment_score":0.33463239669799805},{"text":"Now the next couple of pages do so to start taking you to the recommendations.","start":610.115,"end":613.3,"sentiment":"neutral","sentiment_score":0.14784547090530395},{"text":"After the call, you're welcome to go back and have a really good read of things.","start":614.24,"end":617.44,"sentiment":"positive","sentiment_score":0.5312419384717941}],"sentiment":"neutral","sentiment_score":0.24447431496598504,"num_words":55,"start":599.315,"end":617.44},{"sentences":[{"text":"But to make it easier for you with the way I'm gonna present it to you, if you can just scroll directly down to page number 18 for me, this essentially outlines the recommendations we're making and the effect to show you.","start":617.44,"end":629.745,"sentiment":"positive","sentiment_score":0.33748101549489157},{"text":"Okay?","start":629.805,"end":630.305,"sentiment":"neutral","sentiment_score":0.12372967600822447},{"text":"Perfect.","start":631.885,"end":632.385,"sentiment":"positive","sentiment_score":0.6346566677093506},{"text":"So at the moment, you are in hub twenty four.","start":633.005,"end":635.245,"sentiment":"neutral","sentiment_score":0.11540473774075508},{"text":"We're not making any direct changes to the the super fund.","start":635.245,"end":638.28503,"sentiment":"neutral","sentiment_score":-0.07493284818801013}],"sentiment":"neutral","sentiment_score":0.2348057698744994,"num_words":65,"start":617.44,"end":638.28503},{"sentences":[{"text":"We're still recommending you retain hub twenty four.","start":638.28503,"end":640.28503,"sentiment":"neutral","sentiment_score":0.13769780844449997},{"text":"It is still a great platform, and hub twenty four definitely allows us to utilize all the different investment options to be able to build and create these portfolios for you.","start":640.28503,"end":649.09,"sentiment":"positive","sentiment_score":0.5728198482144263},{"text":"What I am recommending we do is we move out of your current high growth portfolio and into the SMA.","start":649.47003,"end":654.75,"sentiment":"neutral","sentiment_score":0.054503480345010756},{"text":"So on the bottom of that table, you'll see your current high growth portfolio noted, and then we're gonna move you into the OVF SMA blend.","start":654.75,"end":662.685,"sentiment":"neutral","sentiment_score":0.09444422332140115},{"text":"When we look at the way the high growth portfolio over the last five years, your current has averaged, and we know this is just what the investments have averaged.","start":663.145,"end":671.78,"sentiment":"neutral","sentiment_score":0.09801090620458126}],"sentiment":"neutral","sentiment_score":0.2203908205356287,"num_words":115,"start":638.28503,"end":671.78},{"sentences":[{"text":"We know your return is completely different because then long hasn't been performing this year, and we know you don't get 48% exactly every year.","start":671.78,"end":679.06,"sentiment":"neutral","sentiment_score":0.049431720623979346},{"text":"So it's just taking all of the investments, looking at what the returns were over the past five years, and then averaging them out for you.","start":679.06,"end":685.30005,"sentiment":"neutral","sentiment_score":0.1540272353360286},{"text":"Okay?","start":685.30005,"end":685.80005,"sentiment":"neutral","sentiment_score":0.08408699184656143},{"text":"With the SMA blend there, you can actually see that the past five year rolling average has averaged a little bit higher than what your current high growth portfolio is.","start":687.195,"end":695.755,"sentiment":"neutral","sentiment_score":0.24358364716172218},{"text":"So by moving into that into that SMA product, you can tend to get the greater potential returns if the market perform the same way as it does.","start":695.755,"end":704.48,"sentiment":"positive","sentiment_score":0.37716112605163027}],"sentiment":"neutral","sentiment_score":0.21084190064072822,"num_words":110,"start":671.78,"end":704.48},{"sentences":[{"text":"But the other good thing about this is actually cheaper in fees for you.","start":704.62,"end":707.74,"sentiment":"positive","sentiment_score":0.3611371698124068},{"text":"So whilst we are retaining Hub, we actually move you away from the core products and into the choice product.","start":707.74,"end":713.68,"sentiment":"neutral","sentiment_score":-0.08405698351562023},{"text":"Sorry.","start":713.845,"end":714.165,"sentiment":"neutral","sentiment_score":-0.07793829590082169},{"text":"Out of the choice product and into the core product.","start":714.165,"end":715.845,"sentiment":"neutral","sentiment_score":-0.09036510437726974},{"text":"So we just change the product within hub 24 that you have.","start":715.845,"end":718.825,"sentiment":"neutral","sentiment_score":0.11204735065499942}],"sentiment":"neutral","sentiment_score":0.06557472939031166,"num_words":57,"start":704.62,"end":718.825},{"sentences":[{"text":"And by doing that, it actually reduces the administration fees.","start":718.965,"end":722.185,"sentiment":"neutral","sentiment_score":0.22336947470903395},{"text":"So currently, you're paying about $13.32.","start":722.485,"end":725.385,"sentiment":"neutral","sentiment_score":0.023660815165688593},{"text":"By changing the product in hub 24 and moving into the SMA, we can reduce your administration fees by about a $180 for the year, which is a benefit.","start":725.685,"end":734.02,"sentiment":"positive","sentiment_score":0.35774485304437836},{"text":"Okay?","start":734.24,"end":734.74,"sentiment":"positive","sentiment_score":0.3530803918838501},{"text":"With the investment fees there by moving into the SMA, instead of paying the $19.26, we can reduce your investment fees by about $238 for the year as well.","start":736.08,"end":745.955,"sentiment":"positive","sentiment_score":0.40968728990390385}],"sentiment":"neutral","sentiment_score":0.3331236290062467,"num_words":75,"start":718.965,"end":745.955},{"sentences":[{"text":"So that's essentially giving you a little bit more money invested, working harder for you, paying a little bit less in fees, which is important as well.","start":745.955,"end":753.15497,"sentiment":"positive","sentiment_score":0.5872573609705325},{"text":"Okay?","start":753.15497,"end":753.65497,"sentiment":"neutral","sentiment_score":0.2150512337684631},{"text":"Perfect.","start":754.675,"end":755.175,"sentiment":"positive","sentiment_score":0.5107495784759521},{"text":"If you scroll up for me just by two pages, the page number 16, this is essentially what we are buying and selling there.","start":755.93,"end":762.57,"sentiment":"neutral","sentiment_score":0.17968859492490688},{"text":"So with the investments, you'll see what you have at the moment.","start":762.57,"end":765.61,"sentiment":"neutral","sentiment_score":0.13706133204201856}],"sentiment":"positive","sentiment_score":0.34675402801770433,"num_words":65,"start":745.955,"end":765.61},{"sentences":[{"text":"You've got some cybersecurity.","start":765.61,"end":766.75,"sentiment":"neutral","sentiment_score":0.11903560347855091},{"text":"We've got some India.","start":767.05,"end":768.17,"sentiment":"neutral","sentiment_score":0.11160990223288536},{"text":"We've got some health care, the S and P 500.","start":768.17,"end":770.83,"sentiment":"neutral","sentiment_score":0.138019360601902},{"text":"We've got the Rafi Aussie 200, some Benelon Australian Equities, the JPMorgan Research Enhanced Index Fund.","start":770.985,"end":777.64496,"sentiment":"neutral","sentiment_score":0.18527603149414062},{"text":"We've got some Global X Physical Gold and also the BetaShares Bank Hybrid.","start":777.785,"end":781.805,"sentiment":"neutral","sentiment_score":0.15841000527143478}],"sentiment":"neutral","sentiment_score":0.15588345109148227,"num_words":47,"start":765.61,"end":781.805},{"sentences":[{"text":"So this table shows that we're gonna be selling all of those.","start":782.265,"end":785.545,"sentiment":"neutral","sentiment_score":0.06246334873139858},{"text":"Essentially, some of these do exist in the SMA, so they will be in specie transferred over to help limit limit the capital gains effect for you.","start":785.545,"end":794.55,"sentiment":"neutral","sentiment_score":0.053682993131655234},{"text":"But, essentially, we'll be removing all of these out of your portfolio within Hub twenty four and moving you straight into the Bloom SMA.","start":794.85004,"end":802.245,"sentiment":"neutral","sentiment_score":0.06468031260495384},{"text":"So it's a high growth product.","start":802.305,"end":803.925,"sentiment":"neutral","sentiment_score":0.17788599183162054},{"text":"So when you look at Hub 24, once this is completed, this is what you'll see.","start":804.38495,"end":808.14496,"sentiment":"neutral","sentiment_score":0.15011174930259585}],"sentiment":"neutral","sentiment_score":0.08494626401978381,"num_words":85,"start":782.265,"end":808.14496},{"sentences":[{"text":"You'll see the Bloom SMA with, essentially, the total balance sitting in there, and that's what it'll basically look like.","start":808.14496,"end":815.14,"sentiment":"neutral","sentiment_score":0.19928393214941026},{"text":"And then within that product, underneath there, there'll be a lot of different investment options that we'll be investing in, maneuvering money around, and making changes throughout the time for you.","start":815.14,"end":824.5,"sentiment":"neutral","sentiment_score":0.25419682168191476},{"text":"So being in the SMA definitely doesn't take away the need for reviews and catch ups and things because we wanna make sure it's still working for you, and this SMA is a high growth product.","start":824.5,"end":835.575,"sentiment":"positive","sentiment_score":0.4227080059548219},{"text":"So as you get older and closer to wanting to access your super, you're not gonna wanna be in that high growth environment anymore.","start":835.575,"end":841.70996,"sentiment":"neutral","sentiment_score":-0.22067814180627465},{"text":"You're gonna wanna reduce yourself back a little bit.","start":841.70996,"end":844.11,"sentiment":"neutral","sentiment_score":-0.27148619459735024}],"sentiment":"neutral","sentiment_score":0.16119680978978673,"num_words":120,"start":808.14496,"end":844.11},{"sentences":[{"text":"So we'll be able to pick that time as to when we do that and start to reduce things back.","start":844.11,"end":849.41,"sentiment":"neutral","sentiment_score":0.07547508501447737},{"text":"And the catch ups and then your reviews will also allow allow us to help make sure that this is still working for you.","start":849.63,"end":855.465,"sentiment":"neutral","sentiment_score":0.2569137802347541},{"text":"And if it's not, we'll move you out of the product and into something else.","start":855.78503,"end":859.645,"sentiment":"neutral","sentiment_score":-0.19290457318226498},{"text":"Okay?","start":859.705,"end":860.205,"sentiment":"neutral","sentiment_score":0.02412649616599083},{"text":"Do you have any questions so far at all?","start":860.905,"end":863.24506,"sentiment":"neutral","sentiment_score":0.014197532501485612}],"sentiment":"neutral","sentiment_score":0.0715038857517251,"num_words":69,"start":844.11,"end":863.24506},{"sentences":[{"text":"No.","start":866.585,"end":867.085,"sentiment":"neutral","sentiment_score":-0.2973833680152893},{"text":"That's okay.","start":867.145,"end":867.965,"sentiment":"neutral","sentiment_score":-0.143369659781456},{"text":"It's really important that we do sort of note as well that there is the best interest duty on all of these.","start":868.60004,"end":873.0,"sentiment":"neutral","sentiment_score":0.007811238989233971},{"text":"So the the recommendation has been noted in your best interest as your goal is to stay where you're super.","start":873.0,"end":878.22003,"sentiment":"neutral","sentiment_score":0.17891934234648943},{"text":"Can be you want it working harder towards retiring age 67 currently with a target income, we're working on about a thousand dollars on a weekly basis there.","start":878.28,"end":886.635,"sentiment":"neutral","sentiment_score":0.1373576516551631}],"sentiment":"neutral","sentiment_score":0.09605651593779864,"num_words":73,"start":866.585,"end":886.635},{"sentences":[{"text":"So you wanna have the funds invested in a timely manner and allow us to be able to make changes to the investments as the market or as the situation requires.","start":886.635,"end":895.455,"sentiment":"positive","sentiment_score":0.3481214036864619},{"text":"So this product is in your best interest because it allows you to do so.","start":895.75,"end":899.11005,"sentiment":"positive","sentiment_score":0.5374894042809805},{"text":"It's lower in fees, so it means there's more money invested there for you.","start":899.11005,"end":903.05005,"sentiment":"positive","sentiment_score":0.5453769181455884},{"text":"And it also means that, you know, we can make those changes as you sort of wanted us to, which is important as well.","start":903.27,"end":909.27,"sentiment":"positive","sentiment_score":0.36021606624126434},{"text":"Okay?","start":909.27,"end":909.77,"sentiment":"neutral","sentiment_score":0.0984269380569458}],"sentiment":"positive","sentiment_score":0.41450581129859476,"num_words":85,"start":886.635,"end":909.77},{"sentences":[{"text":"Perfect.","start":910.925,"end":911.425,"sentiment":"positive","sentiment_score":0.4396236538887024},{"text":"Another good thing to kinda point out for you is that the CGT consequences so back on that fee comparison table there, we always double check what the CGT consequences are.","start":912.125,"end":922.605,"sentiment":"neutral","sentiment_score":0.19597355444585124},{"text":"And for moving into the SMA, your super fund would be expected to pay CDT, so capital gains tax of $891.","start":922.605,"end":930.15,"sentiment":"neutral","sentiment_score":0.1657406279728526},{"text":"So we've done this to try and minimize the capital gains tax as much as possible.","start":930.15,"end":934.33,"sentiment":"neutral","sentiment_score":0.1591613655909896},{"text":"Okay?","start":934.47003,"end":934.97003,"sentiment":"neutral","sentiment_score":0.1078956425189972}],"sentiment":"neutral","sentiment_score":0.1807119217302118,"num_words":70,"start":910.925,"end":934.97003},{"sentences":[{"text":"Yep.","start":935.75,"end":936.25,"sentiment":"neutral","sentiment_score":0.2026735544204712},{"text":"Perfect.","start":936.55,"end":937.05,"sentiment":"positive","sentiment_score":0.4208639860153198},{"text":"Do you have any questions at the moment at all?","start":937.75,"end":940.17,"sentiment":"neutral","sentiment_score":0.13744975104928017},{"text":"No?","start":943.47504,"end":943.97504,"sentiment":"neutral","sentiment_score":-0.14960268139839172},{"text":"That's okay.","start":944.35504,"end":945.255,"sentiment":"neutral","sentiment_score":-0.032564026303589344}],"sentiment":"neutral","sentiment_score":0.11888695446153481,"num_words":15,"start":935.75,"end":945.255},{"sentences":[{"text":"Yeah.","start":946.11505,"end":946.435,"sentiment":"neutral","sentiment_score":0.03146043419837952},{"text":"That's okay.","start":946.435,"end":947.255,"sentiment":"neutral","sentiment_score":0.0397750127594918},{"text":"I try to run through this as easy as possible, but then you'll get some time to go back and have it read through the document as well.","start":947.55505,"end":953.13,"sentiment":"neutral","sentiment_score":0.11658442579209805},{"text":"Above that, there are other disadvantages, the advantages, risks, and alternatives considered for you to look over.","start":953.53,"end":959.07,"sentiment":"neutral","sentiment_score":-0.22824787918259115},{"text":"I go through some of those as part of this for you as I have, but there are others there.","start":959.29,"end":963.85,"sentiment":"neutral","sentiment_score":0.0663721477612853}],"sentiment":"neutral","sentiment_score":0.012097108691437718,"num_words":68,"start":946.11505,"end":963.85},{"sentences":[{"text":"And it's often easier for you to go back after I've stopped talking to you and let you read through the document and take a little bit of it in as well.","start":963.85,"end":971.78503,"sentiment":"neutral","sentiment_score":0.13947435468435287},{"text":"Yeah.","start":972.005,"end":972.505,"sentiment":"neutral","sentiment_score":0.12781396508216858},{"text":"That's okay.","start":973.60504,"end":974.585,"sentiment":"positive","sentiment_score":0.42410849034786224},{"text":"Underneath that on the next page there, you'll see the projection outcome.","start":975.685,"end":978.72504,"sentiment":"neutral","sentiment_score":0.251111451536417},{"text":"So, essentially, if the portfolio was able to get the return that we have seen over the past years, essentially, over the next sort of five to ten years, you can essentially see where you could end up.","start":978.72504,"end":989.6,"sentiment":"positive","sentiment_score":0.4012969928352456}],"sentiment":"neutral","sentiment_score":0.27884509931592383,"num_words":85,"start":963.85,"end":989.6},{"sentences":[{"text":"Okay?","start":989.6,"end":990.1,"sentiment":"neutral","sentiment_score":0.1946333646774292},{"text":"Perfect.","start":991.935,"end":992.435,"sentiment":"positive","sentiment_score":0.6391619443893433},{"text":"That's essentially the super recommendations there.","start":993.775,"end":995.935,"sentiment":"positive","sentiment_score":0.4318402310212453},{"text":"We're not making any changes to the insurance side of things.","start":995.935,"end":999.055,"sentiment":"neutral","sentiment_score":-0.07242881168018687},{"text":"So that is all factored into that projection table there.","start":999.055,"end":1001.955,"sentiment":"neutral","sentiment_score":0.2101547673344612}],"sentiment":"neutral","sentiment_score":0.16309198069161382,"num_words":29,"start":989.6,"end":1001.955},{"sentences":[{"text":"On the next page, we do have the beneficiary side of things.","start":1002.09503,"end":1005.07,"sentiment":"neutral","sentiment_score":0.25307347625494003},{"text":"So we did talk about making sure the beneficiaries are set up in the most tax effective way.","start":1005.07,"end":1009.79,"sentiment":"positive","sentiment_score":0.3696478423145082},{"text":"So because your kids are nontax dependent, in the event that they were to receive your super and life proceeds after passing, they do pay tax.","start":1009.79,"end":1018.695,"sentiment":"neutral","sentiment_score":0.29802234126971316},{"text":"It's 15% plus the Medicare left piece up to 17% on the taxable component, so it can reduce the amount that they do or are able to receive.","start":1018.775,"end":1027.515,"sentiment":"neutral","sentiment_score":0.2620731618787561},{"text":"The most tax effective way to have these set up is to take your legal personal representative.","start":1028.135,"end":1033.3401,"sentiment":"neutral","sentiment_score":0.3038525616421419}],"sentiment":"neutral","sentiment_score":0.29646203792331244,"num_words":101,"start":1002.09503,"end":1033.3401},{"sentences":[{"text":"So it just basically means that in the event of passing, if you have LPR attached to your super and your life insurance, the proceeds go directly through to your estate.","start":1033.64,"end":1044.045,"sentiment":"neutral","sentiment_score":0.22241238961296697},{"text":"They get logged into your estate with everything else, so your house, your cars, and things like that.","start":1044.125,"end":1048.6051,"sentiment":"neutral","sentiment_score":0.22429558634757996},{"text":"And through your will, in your body of your will, you would outline that you wanted the funds to be split and go to your children.","start":1048.6051,"end":1055.425,"sentiment":"neutral","sentiment_score":0.2505469173192978},{"text":"The best way and the most tax effective way to do this is that through your will, you can have things like trust set up.","start":1055.7251,"end":1061.76,"sentiment":"positive","sentiment_score":0.35976550161838533},{"text":"You can, you know, have it set up so they get a certain amount.","start":1061.76,"end":1064.8,"sentiment":"neutral","sentiment_score":0.11947270269904818}],"sentiment":"neutral","sentiment_score":0.2466059636912848,"num_words":114,"start":1033.64,"end":1064.8},{"sentences":[{"text":"They can have an income set up on a regular basis.","start":1064.8,"end":1067.52,"sentiment":"neutral","sentiment_score":0.15187826481732455},{"text":"They're not receiving a full lump sum.","start":1067.52,"end":1069.4401,"sentiment":"neutral","sentiment_score":0.14312564262322017},{"text":"You can also have it set up so children receiving different amounts or different benefits.","start":1069.4401,"end":1073.54,"sentiment":"neutral","sentiment_score":0.12603276719649634},{"text":"If you want your house to go to one part child or you want the money to go to another child.","start":1073.565,"end":1078.065,"sentiment":"neutral","sentiment_score":0.11713377102499917},{"text":"So there's different ways of setting it up that way, but having it directed through your will instead of direct to your kids can help alleviate and reduce some of the tax they have to pay on the benefit.","start":1078.5249,"end":1088.065,"sentiment":"neutral","sentiment_score":0.2895327391914832}],"sentiment":"neutral","sentiment_score":0.1969313756913267,"num_words":93,"start":1064.8,"end":1088.065},{"sentences":[{"text":"And then it gives you a lot more control as to how you set your will up and how you have your estate paid out to your children as well.","start":1088.59,"end":1096.1299,"sentiment":"positive","sentiment_score":0.45982613960901897},{"text":"Okay?","start":1096.19,"end":1096.69,"sentiment":"neutral","sentiment_score":0.11196684837341309},{"text":"Yeah.","start":1097.7899,"end":1098.2899,"sentiment":"neutral","sentiment_score":0.21628586947917935},{"text":"Beautiful.","start":1098.59,"end":1099.09,"sentiment":"positive","sentiment_score":0.6939188838005066},{"text":"Do you have any questions about that at all, about the the setup or the beneficiaries or not beautiful.","start":1099.47,"end":1106.965,"sentiment":"neutral","sentiment_score":0.03819032807491327}],"sentiment":"neutral","sentiment_score":0.29889561583359653,"num_words":52,"start":1088.59,"end":1106.965},{"sentences":[{"text":"I mean, at the end of the day, this is kind of a a backup solution.","start":1106.965,"end":1110.085,"sentiment":"neutral","sentiment_score":0.06923345476388931},{"text":"We realistically want you to get to retirement, be able to draw down your income, and use it for you at the end of the day.","start":1110.085,"end":1115.4,"sentiment":"neutral","sentiment_score":0.17980976689320344},{"text":"But this is just kind of a backup.","start":1115.88,"end":1117.24,"sentiment":"neutral","sentiment_score":0.17263862863183022},{"text":"If something was to happen to you, this is sort of the best way to structure to make it easier for you.","start":1117.24,"end":1122.3,"sentiment":"neutral","sentiment_score":0.2664858102798462},{"text":"It is just important that you do have a will drawn up to factor in the amount of money that you get the funds that would need to come through and make sure that the will is drawn up so that you can distribute things the way you want them to.","start":1122.6,"end":1134.315,"sentiment":"neutral","sentiment_score":0.21487394267437504}],"sentiment":"neutral","sentiment_score":0.1950012776182919,"num_words":123,"start":1106.965,"end":1134.315},{"sentences":[{"text":"The nomination type we have there is the binding non lapsing.","start":1135.095,"end":1138.135,"sentiment":"neutral","sentiment_score":0.1103484569625421},{"text":"So that essentially binds the trustee to follow the direction, and non lapsing means you only have to fill out one form.","start":1138.135,"end":1144.19,"sentiment":"neutral","sentiment_score":0.16069457138126547},{"text":"So it makes it nice and easy, and that stays applied to the super and the last cover until you revoke or alter that nomination.","start":1144.19,"end":1150.61,"sentiment":"neutral","sentiment_score":0.21551491796970368},{"text":"Okay?","start":1151.07,"end":1151.57,"sentiment":"neutral","sentiment_score":0.05717301741242409},{"text":"Perfect.","start":1153.23,"end":1153.73,"sentiment":"positive","sentiment_score":0.39318716526031494}],"sentiment":"neutral","sentiment_score":0.17645577881485225,"num_words":60,"start":1135.095,"end":1153.73},{"sentences":[{"text":"I have put in there for you advantages, disadvantages, risks, and alternatives considered there as well for you to run your eyes over.","start":1154.445,"end":1160.845,"sentiment":"neutral","sentiment_score":0.14831147018982016},{"text":"And I've also left in there below that essentially just making sure that you do have a will drawn up.","start":1160.845,"end":1166.19,"sentiment":"neutral","sentiment_score":0.1211556738242507},{"text":"We also do have solicitors we can refer you through to.","start":1166.75,"end":1169.3899,"sentiment":"neutral","sentiment_score":0.18558949638496747},{"text":"They can review the will you do have and make suggestions to how best to struct sorry, how best to structure things for you.","start":1169.3899,"end":1176.45,"sentiment":"neutral","sentiment_score":0.21862120615939298},{"text":"And, also, making sure our power of attorney is set up as well because it's not standard as part of every will.","start":1176.6699,"end":1181.4099,"sentiment":"neutral","sentiment_score":0.05722980937835845}],"sentiment":"neutral","sentiment_score":0.14381726505234838,"num_words":100,"start":1154.445,"end":1181.4099},{"sentences":[{"text":"It is a separate document, and it's something I do see quite irregularly.","start":1182.225,"end":1186.725,"sentiment":"neutral","sentiment_score":-0.03175576561345504},{"text":"A power of attorney might be missed.","start":1186.865,"end":1189.105,"sentiment":"neutral","sentiment_score":-0.22210524550506047},{"text":"So, yeah, having one of those set up as well, making sure you've got someone that you trust to make decisions on your behalf, whether it be medical or financial, and making sure that they're aware that this is their obligation and these are what your wishes are.","start":1189.105,"end":1202.02,"sentiment":"neutral","sentiment_score":0.21281277233113846},{"text":"This is what you want to happen in the event that you're unable to make those decisions for yourself there.","start":1202.02,"end":1207.0801,"sentiment":"neutral","sentiment_score":0.02722341911867261},{"text":"Okay?","start":1207.14,"end":1207.64,"sentiment":"neutral","sentiment_score":0.2476794272661209}],"sentiment":"neutral","sentiment_score":0.10156853044970651,"num_words":89,"start":1182.225,"end":1207.64},{"sentences":[{"text":"Perfect.","start":1209.3,"end":1209.8,"sentiment":"positive","sentiment_score":0.6807445883750916},{"text":"That is essentially all the recommendations I needed to run through.","start":1210.42,"end":1213.815,"sentiment":"positive","sentiment_score":0.48963363062251697},{"text":"When you get to the very end of the document there sorry.","start":1213.815,"end":1216.955,"sentiment":"neutral","sentiment_score":0.1270467427869638},{"text":"On page number 32, we do outline that this there is no upfront implementation fees for the advice.","start":1218.0549,"end":1223.895,"sentiment":"neutral","sentiment_score":0.16557563758558697},{"text":"The advice is all provided to yourself as you're an ongoing client.","start":1223.895,"end":1227.89,"sentiment":"positive","sentiment_score":0.4631744797031085}],"sentiment":"neutral","sentiment_score":0.29869871614155946,"num_words":54,"start":1209.3,"end":1227.89},{"sentences":[{"text":"It's about them providing advice in your best interest as they're working towards your goals and trying to make sure we continue to do so and put you in the best possible position for retirement there.","start":1227.89,"end":1237.27,"sentiment":"positive","sentiment_score":0.5868989047076967},{"text":"Because you are 51, I do this is sort of focusing on the next ten years there.","start":1237.49,"end":1241.385,"sentiment":"neutral","sentiment_score":0.1973719421555014},{"text":"But as we get closer to your retirement, it'd be great to look a bit deeper at your retirement aspect.","start":1241.385,"end":1246.8451,"sentiment":"neutral","sentiment_score":0.0642139419913292},{"text":"Generally, when you're about sort of under two years out, we really sort of nut the advice down, look at the drawdown aspect.","start":1246.985,"end":1252.745,"sentiment":"neutral","sentiment_score":0.12589930840160535},{"text":"Are you eligible for Centrelink, how that works for you as well?","start":1252.745,"end":1256.025,"sentiment":"neutral","sentiment_score":0.2658163992067178}],"sentiment":"neutral","sentiment_score":0.294939289904303,"num_words":108,"start":1227.89,"end":1256.025},{"sentences":[{"text":"So we'll keep just reviewing things, doing catch up with you, and making sure that we update the advice as required.","start":1256.025,"end":1262.17,"sentiment":"neutral","sentiment_score":0.23804126112234025},{"text":"You do pay an ongoing service fee for our services of 1.65% that is noted in here as well.","start":1263.1901,"end":1269.6101,"sentiment":"neutral","sentiment_score":0.07203437662438343},{"text":"And we do receive remuneration from the insurance company.","start":1269.775,"end":1272.915,"sentiment":"neutral","sentiment_score":0.12419574790530735},{"text":"So we do receive 22% there ongoing of the insurance premiums paid by the insurer to us.","start":1273.295,"end":1278.995,"sentiment":"neutral","sentiment_score":0.1304087476695285},{"text":"However, it has no effect.","start":1279.295,"end":1280.415,"sentiment":"neutral","sentiment_score":-0.13005030602216722}],"sentiment":"neutral","sentiment_score":0.1274926556457936,"num_words":71,"start":1256.025,"end":1280.415},{"sentences":[{"text":"So if the insurance has become too expensive or you need to reevaluate those, let me know.","start":1280.415,"end":1286.46,"sentiment":"neutral","sentiment_score":-0.24074945796061964},{"text":"Happy to really do that with you.","start":1286.46,"end":1288.2999,"sentiment":"positive","sentiment_score":0.6397548403058734},{"text":"The remuneration is just another aspect of that.","start":1288.2999,"end":1290.94,"sentiment":"neutral","sentiment_score":0.06690244097262621},{"text":"It has no effect on our recommendations in any way, shape, or form.","start":1290.94,"end":1294.64,"sentiment":"neutral","sentiment_score":-0.0170488002208563},{"text":"It's all legislated across the board that every insurer pays us the exact same amount for the insurance premiums.","start":1294.78,"end":1301.185,"sentiment":"neutral","sentiment_score":0.06228412844632801}],"sentiment":"neutral","sentiment_score":0.02941447909688577,"num_words":64,"start":1280.415,"end":1301.185},{"sentences":[{"text":"The important thing with those insurances is they are also gonna get more expensive as you get older as well.","start":1301.885,"end":1306.6051,"sentiment":"neutral","sentiment_score":-0.2265275724232197},{"text":"So we wanna sort of adjust those moving forward to make sure you're not it's not eating away too much of your super over time as well.","start":1306.6051,"end":1316.15,"sentiment":"neutral","sentiment_score":-0.1146196501708969},{"text":"Okay?","start":1318.37,"end":1318.87,"sentiment":"neutral","sentiment_score":-0.036535438150167465},{"text":"Yeah.","start":1319.57,"end":1320.07,"sentiment":"neutral","sentiment_score":-0.08611638844013214},{"text":"Absolutely.","start":1326.385,"end":1326.885,"sentiment":"neutral","sentiment_score":-0.08870509266853333}],"sentiment":"neutral","sentiment_score":-0.15673277844674885,"num_words":50,"start":1301.885,"end":1326.885},{"sentences":[{"text":"Yeah.","start":1327.745,"end":1328.245,"sentiment":"neutral","sentiment_score":-0.048581093549728394},{"text":"Yeah.","start":1333.745,"end":1334.245,"sentiment":"neutral","sentiment_score":-0.024463439360260963},{"text":"No.","start":1334.705,"end":1335.205,"sentiment":"neutral","sentiment_score":-0.1110195815563202},{"text":"Absolutely.","start":1335.665,"end":1336.165,"sentiment":"neutral","sentiment_score":-0.08346922695636749},{"text":"Yeah.","start":1339.76,"end":1340.26,"sentiment":"neutral","sentiment_score":-0.030716603621840477}],"sentiment":"neutral","sentiment_score":-0.0596499890089035,"num_words":5,"start":1327.745,"end":1340.26},{"sentences":[{"text":"No.","start":1340.3201,"end":1340.64,"sentiment":"neutral","sentiment_score":-0.07162024080753326},{"text":"Absolutely.","start":1340.64,"end":1341.14,"sentiment":"neutral","sentiment_score":-0.03797532990574837},{"text":"But no.","start":1342.56,"end":1343.04,"sentiment":"neutral","sentiment_score":-0.06894873827695847},{"text":"Look.","start":1343.04,"end":1343.28,"sentiment":"neutral","sentiment_score":-0.05096529424190521},{"text":"That that's essentially all I have at the moment.","start":1343.28,"end":1345.54,"sentiment":"neutral","sentiment_score":-0.0259843986067507}],"sentiment":"neutral","sentiment_score":-0.03802270921213286,"num_words":14,"start":1340.3201,"end":1345.54},{"sentences":[{"text":"I did wanna sort of double check as well.","start":1345.6,"end":1347.68,"sentiment":"neutral","sentiment_score":0.020155707374215126},{"text":"When would you like the next sort of catch up?","start":1347.68,"end":1349.4401,"sentiment":"neutral","sentiment_score":0.007861541397869588},{"text":"Did you wanna do catch ups maybe every half yearly, every quarter?","start":1349.4401,"end":1353.06,"sentiment":"neutral","sentiment_score":0.0163196693174541},{"text":"How often would you like to do catch ups with me at the moment moving forward?","start":1354.175,"end":1357.635,"sentiment":"neutral","sentiment_score":0.02445305814035237},{"text":"Quarterly is good?","start":1360.255,"end":1361.055,"sentiment":"neutral","sentiment_score":0.190361758073171}],"sentiment":"neutral","sentiment_score":0.028363740332424642,"num_words":50,"start":1345.6,"end":1361.055},{"sentences":[{"text":"Beautiful.","start":1361.055,"end":1361.555,"sentiment":"neutral","sentiment_score":0.26855388283729553},{"text":"Every three months?","start":1361.695,"end":1362.575,"sentiment":"neutral","sentiment_score":0.13903667777776718},{"text":"Lovely.","start":1362.575,"end":1362.895,"sentiment":"positive","sentiment_score":0.4152920246124267},{"text":"I'll pop that in the calendar there for you.","start":1362.895,"end":1364.915,"sentiment":"positive","sentiment_score":0.37433815333578324},{"text":"My lovely admin team member, Michelle, will give you a call and run through that one.","start":1364.975,"end":1368.99,"sentiment":"neutral","sentiment_score":0.28829378355294466}],"sentiment":"neutral","sentiment_score":0.30275666192173956,"num_words":30,"start":1361.055,"end":1368.99},{"sentences":[{"text":"So I will go back and add that to the calendar now.","start":1369.95,"end":1373.71,"sentiment":"neutral","sentiment_score":0.21890666459997496},{"text":"There we go.","start":1373.71,"end":1374.27,"sentiment":"neutral","sentiment_score":0.1669171800216039},{"text":"Beautiful.","start":1374.27,"end":1374.77,"sentiment":"positive","sentiment_score":0.5526219010353088},{"text":"That's essentially all of the recommendations that we needed to run through.","start":1375.63,"end":1378.67,"sentiment":"positive","sentiment_score":0.3620430404941241},{"text":"I will let you take it back and have a bit of a read through it.","start":1378.67,"end":1381.65,"sentiment":"neutral","sentiment_score":0.3066710466518998}],"sentiment":"neutral","sentiment_score":0.2938978783786297,"num_words":44,"start":1369.95,"end":1381.65},{"sentences":[{"text":"Let me know if you do happen to have any questions in relation to any other document or any other recommendations there.","start":1381.87,"end":1387.5449,"sentiment":"neutral","sentiment_score":0.23522429303689438},{"text":"Happy to answer any questions that you might have.","start":1387.6849,"end":1390.025,"sentiment":"positive","sentiment_score":0.4208966725402408},{"text":"And if you are happy just to take on the recommendations, we'll just get you to sign and return it back there for me.","start":1390.325,"end":1395.225,"sentiment":"positive","sentiment_score":0.5975987973312537},{"text":"Attached to the email, we've also got the appendices which runs the research we have.","start":1396.085,"end":1400.81,"sentiment":"neutral","sentiment_score":0.18878990908463797},{"text":"The financial services guide, which outlines everything about who we are, what we do, how we do it, has a lovely picture of me in there for you, and also notes everything about myself and my license number for you.","start":1401.03,"end":1412.3301,"sentiment":"positive","sentiment_score":0.4320456013083458}],"sentiment":"positive","sentiment_score":0.39471862112933936,"num_words":110,"start":1381.87,"end":1412.3301},{"sentences":[{"text":"And then we've also got any product disclosure statements related to the recommendations as well in case you wanted to run your eyes over those.","start":1412.835,"end":1419.575,"sentiment":"neutral","sentiment_score":0.1656739231944084},{"text":"Okay?","start":1419.635,"end":1420.135,"sentiment":"neutral","sentiment_score":0.08766061067581177},{"text":"Beautiful.","start":1421.715,"end":1422.215,"sentiment":"positive","sentiment_score":0.5171079635620117},{"text":"No.","start":1434.61,"end":1435.11,"sentiment":"neutral","sentiment_score":-0.12960271537303925},{"text":"Yeah.","start":1435.49,"end":1435.73,"sentiment":"neutral","sentiment_score":-0.06580904871225357}],"sentiment":"neutral","sentiment_score":0.15693809965561176,"num_words":29,"start":1412.835,"end":1435.73},{"sentences":[{"text":"So in one of the last conversations we had, it was just, you know, what are we averaging?","start":1435.73,"end":1439.27,"sentiment":"neutral","sentiment_score":-0.051025599241256714},{"text":"What do you sort of wanna draw out on a weekly basis?","start":1439.33,"end":1441.7949,"sentiment":"neutral","sentiment_score":-0.03923667951797446},{"text":"You weren't a 100% sure, so we're just looking at, on average, about a thousand dollars a week aiming for at the moment.","start":1441.7949,"end":1448.515,"sentiment":"neutral","sentiment_score":-0.061875598748093064},{"text":"But if you're at the moment, it doesn't really have a huge effect on the recommendations.","start":1448.515,"end":1453.255,"sentiment":"neutral","sentiment_score":-0.1671278765425086},{"text":"But as you get closer to retirement, it will.","start":1453.475,"end":1456.15,"sentiment":"neutral","sentiment_score":0.004687296847502391}],"sentiment":"neutral","sentiment_score":-0.06979871877970603,"num_words":78,"start":1435.73,"end":1456.15},{"sentences":[{"text":"If you feel like you would wanna draw more or less or change that amount in retirement, that's absolutely fine.","start":1456.15,"end":1462.5701,"sentiment":"neutral","sentiment_score":0.1078674267977476},{"text":"Because, realistically, you are also renting the we will have to factor in the rent into the into your retirement as well because you will have to pay rent and continue unless you are able to purchase a property.","start":1462.87,"end":1474.495,"sentiment":"neutral","sentiment_score":0.17747181615768334},{"text":"But that's essentially just the the last amount we had noted that you were sorta averaging may have to or may want to draw down income wise at a super per week for retirement.","start":1475.035,"end":1484.73,"sentiment":"neutral","sentiment_score":0.10736380188780673},{"text":"That's flexible.","start":1484.79,"end":1485.61,"sentiment":"neutral","sentiment_score":0.25342167913913727},{"text":"That can also change.","start":1485.67,"end":1487.03,"sentiment":"neutral","sentiment_score":0.2024327740073204}],"sentiment":"neutral","sentiment_score":0.14187568772320797,"num_words":99,"start":1456.15,"end":1487.03},{"sentences":[{"text":"Your retirement age is the same thing.","start":1487.03,"end":1489.45,"sentiment":"neutral","sentiment_score":0.17038430273532867},{"text":"You could decide to retire earlier, later.","start":1489.51,"end":1491.67,"sentiment":"neutral","sentiment_score":0.19239369886262075},{"text":"It's completely up to you.","start":1491.67,"end":1492.87,"sentiment":"neutral","sentiment_score":0.2099289309233427},{"text":"But this is very fluid at the moment, so we can absolutely work on a different retirement age and a different retirement income if you'd like as well.","start":1492.87,"end":1501.1649,"sentiment":"neutral","sentiment_score":0.3146167482648577},{"text":"Yeah.","start":1504.745,"end":1505.245,"sentiment":"neutral","sentiment_score":0.05158928036689758}],"sentiment":"neutral","sentiment_score":0.25937393536635983,"num_words":48,"start":1487.03,"end":1505.245},{"sentences":[{"text":"Yeah.","start":1509.465,"end":1509.965,"sentiment":"neutral","sentiment_score":0.06677643954753876},{"text":"Yeah.","start":1512.1599,"end":1512.6599,"sentiment":"neutral","sentiment_score":0.0831480622291565},{"text":"Yeah.","start":1519.84,"end":1520.34,"sentiment":"neutral","sentiment_score":0.08489708602428436},{"text":"Yep.","start":1520.6399,"end":1521.1399,"sentiment":"neutral","sentiment_score":0.14968475699424744},{"text":"Yeah.","start":1526.015,"end":1526.515,"sentiment":"neutral","sentiment_score":0.06292279809713364}],"sentiment":"neutral","sentiment_score":0.08948582857847213,"num_words":5,"start":1509.465,"end":1526.515},{"sentences":[{"text":"Yeah.","start":1528.495,"end":1528.995,"sentiment":"neutral","sentiment_score":0.03119119070470333},{"text":"No.","start":1529.135,"end":1529.615,"sentiment":"neutral","sentiment_score":0.0029821768403053284},{"text":"Absolutely.","start":1529.615,"end":1530.115,"sentiment":"neutral","sentiment_score":0.14816540479660034},{"text":"When we kinda get about five years out, that's when I sort of really factor into the weekly income amount and really take into account the retirement projection.","start":1530.4149,"end":1539.45,"sentiment":"neutral","sentiment_score":0.10818315563457352},{"text":"So when we get to about five years out, we'll really look at, you know, what age you wanna access super, what we're projecting to at the retirement age, are you eligible for Centrelink, and what kinda income you're gonna need because that's when we're really getting closer to it, and that's where we really need to consider those sorts of aspects.","start":1540.07,"end":1557.0449,"sentiment":"neutral","sentiment_score":0.03702717124214096}],"sentiment":"neutral","sentiment_score":0.05921668545292911,"num_words":93,"start":1528.495,"end":1557.0449},{"sentences":[{"text":"So, yeah, that's absolutely fine.","start":1557.0449,"end":1558.485,"sentiment":"neutral","sentiment_score":0.11060661673545838},{"text":"Not a problem at all.","start":1558.485,"end":1559.5249,"sentiment":"neutral","sentiment_score":0.16508581936359407},{"text":"Yeah.","start":1559.5249,"end":1559.845,"sentiment":"neutral","sentiment_score":0.20342081785202024},{"text":"Give me something to think about too, what you think you might want to might need to draw down or might need to live on in those years.","start":1559.845,"end":1565.865,"sentiment":"neutral","sentiment_score":0.14841131227357046},{"text":"It is.","start":1567.99,"end":1568.73,"sentiment":"neutral","sentiment_score":-0.01348137389868498}],"sentiment":"neutral","sentiment_score":0.1392789510782899,"num_words":41,"start":1557.0449,"end":1568.73},{"sentences":[{"text":"Yeah.","start":1573.35,"end":1573.75,"sentiment":"neutral","sentiment_score":-0.051659129559993744},{"text":"You're right.","start":1573.75,"end":1574.57,"sentiment":"neutral","sentiment_score":-0.000910269096493721},{"text":"Yeah.","start":1575.67,"end":1576.17,"sentiment":"neutral","sentiment_score":-0.00444398820400238},{"text":"Yeah.","start":1586.725,"end":1587.225,"sentiment":"neutral","sentiment_score":0.25562015175819397},{"text":"Yeah.","start":1591.54,"end":1592.04,"sentiment":"neutral","sentiment_score":0.1999289393424988}],"sentiment":"neutral","sentiment_score":0.06627090585728486,"num_words":6,"start":1573.35,"end":1592.04},{"sentences":[{"text":"Yes.","start":1596.5,"end":1597.0,"sentiment":"neutral","sentiment_score":0.09983115643262865},{"text":"Yeah.","start":1599.46,"end":1599.96,"sentiment":"positive","sentiment_score":0.5775468349456787},{"text":"Yes.","start":1603.22,"end":1603.72,"sentiment":"neutral","sentiment_score":0.27611687779426575},{"text":"It can be.","start":1610.115,"end":1610.835,"sentiment":"neutral","sentiment_score":0.1324737717707952},{"text":"So you can be in that high growth environment.","start":1610.835,"end":1613.175,"sentiment":"neutral","sentiment_score":0.21843087507618797}],"sentiment":"neutral","sentiment_score":0.2211196040113767,"num_words":15,"start":1596.5,"end":1613.175},{"sentences":[{"text":"Generally, we like to when you're about eight years away from retirement, it really starts to knock that down, but it all comes down to what you're comfortable with as well.","start":1613.795,"end":1620.4199,"sentiment":"neutral","sentiment_score":0.14539743611408817},{"text":"So if you're comfortable and you've got, you know, five years to retirement, you wanna take on a little bit more risk, you absolutely can.","start":1620.4199,"end":1627.0,"sentiment":"neutral","sentiment_score":0.2898376414179802},{"text":"I tend to, when you're about eight years away, start to maybe reduce that risk level a little bit.","start":1627.46,"end":1631.86,"sentiment":"neutral","sentiment_score":0.16394527178061635},{"text":"We start to reduce it down in increments of 10%, so it's not a huge change, and we start to sort of do that for you.","start":1631.86,"end":1638.7949,"sentiment":"positive","sentiment_score":0.4249117053472079},{"text":"We can also, down the track, look at additional contributions so you don't have to take as much risk if you're putting more money into the market because you are, you know, helping to increase the amount that is invested, and that can help to increase the returns there as well.","start":1638.7949,"end":1652.28,"sentiment":"positive","sentiment_score":0.40543723077166316}],"sentiment":"neutral","sentiment_score":0.306534373863159,"num_words":152,"start":1613.795,"end":1652.28},{"sentences":[{"text":"But you can stay in this higher growth environment for definitely a bit longer there.","start":1653.38,"end":1657.08,"sentiment":"neutral","sentiment_score":0.315609480937322},{"text":"The the SMA stands for separately managed account.","start":1657.38,"end":1660.02,"sentiment":"neutral","sentiment_score":0.04833460273221135},{"text":"That's the essentially, a separately managed investment account where it's all the funds are pulled into that SMA.","start":1660.02,"end":1666.665,"sentiment":"neutral","sentiment_score":0.07065255898568365},{"text":"Think of it like Hub twenty four, your super fund.","start":1666.725,"end":1668.965,"sentiment":"neutral","sentiment_score":0.08632377237081527},{"text":"So the money goes into your super fund.","start":1668.965,"end":1671.5449,"sentiment":"neutral","sentiment_score":0.09222038742154837}],"sentiment":"neutral","sentiment_score":0.1354841681481418,"num_words":59,"start":1653.38,"end":1671.5449},{"sentences":[{"text":"The SMA is a very similar sort of vehicle.","start":1671.605,"end":1673.785,"sentiment":"neutral","sentiment_score":0.07811639706293742},{"text":"Within Hub twenty four, your money goes into the SMA, the separately managed account.","start":1674.005,"end":1675.5586,"sentiment":"neutral","sentiment_score":0.09206549503973552},{"text":"That is the investment vehicle.","start":1675.5586,"end":1675.6218,"sentiment":"neutral","sentiment_score":0.08501893728971481},{"text":"And from there, we can invest in the investment vehicle.","start":1675.6218,"end":1679.85,"sentiment":"neutral","sentiment_score":0.12779417112469674},{"text":"And from there, we can invest funds in, you know, anywhere between 10 to 50 different investments options more if we need to so that smaller amounts of money are pulled together and invested in a way that's diversified.","start":1679.85,"end":1693.4551,"sentiment":"neutral","sentiment_score":0.22925657224960816}],"sentiment":"neutral","sentiment_score":0.1641039898643246,"num_words":77,"start":1671.605,"end":1693.4551},{"sentences":[{"text":"And it allows us to make changes to those investments without having to sort of call and go, hey.","start":1693.995,"end":1698.795,"sentiment":"neutral","sentiment_score":0.23248886356228277},{"text":"We need to move this product.","start":1698.795,"end":1700.155,"sentiment":"neutral","sentiment_score":0.17977679272492728},{"text":"We need to move money out of here, and we need to do this.","start":1700.155,"end":1702.635,"sentiment":"neutral","sentiment_score":0.10671368773494448},{"text":"It can be altered without having to make those small changes so we can review those regularly.","start":1702.635,"end":1708.12,"sentiment":"neutral","sentiment_score":0.10850235118585475},{"text":"Does that help?","start":1708.12,"end":1708.76,"sentiment":"neutral","sentiment_score":0.12901889284451803}],"sentiment":"neutral","sentiment_score":0.15629724476297022,"num_words":59,"start":1693.995,"end":1708.76},{"sentences":[{"text":"Does that make a little bit more sense?","start":1708.76,"end":1710.7001,"sentiment":"neutral","sentiment_score":-0.025945535860955715},{"text":"Yeah.","start":1710.76,"end":1711.26,"sentiment":"neutral","sentiment_score":-0.032151587307453156},{"text":"Yeah.","start":1715.415,"end":1715.915,"sentiment":"neutral","sentiment_score":-0.003618110902607441},{"text":"Yeah.","start":1716.375,"end":1716.875,"sentiment":"neutral","sentiment_score":0.001751568168401718},{"text":"Yeah.","start":1718.4551,"end":1718.9551,"sentiment":"neutral","sentiment_score":0.002469357568770647}],"sentiment":"neutral","sentiment_score":-0.019926088280044496,"num_words":12,"start":1708.76,"end":1718.9551},{"sentences":[{"text":"Yeah.","start":1719.2551,"end":1719.7551,"sentiment":"neutral","sentiment_score":0.029087020084261898},{"text":"Definitely.","start":1720.055,"end":1720.555,"sentiment":"neutral","sentiment_score":0.13987718522548676},{"text":"And, look, the idea of the the separately managed account the same as any investment is that markets are always gonna be going up and down.","start":1720.615,"end":1727.0951,"sentiment":"neutral","sentiment_score":-0.04213991503302868},{"text":"So we will see times where investments may not be performing as well as others, and we kinda pick and choose when we need to move out of those.","start":1727.0951,"end":1733.83,"sentiment":"neutral","sentiment_score":-0.12613617731579418},{"text":"Ben along had a really big issue with one of underlying, which basically meant that the market had gone back and reevaluated that investment as a whole, and it was deemed to be no longer a suitable investment.","start":1734.2899,"end":1745.405,"sentiment":"negative","sentiment_score":-0.3476473128325061}],"sentiment":"neutral","sentiment_score":-0.18731811174044483,"num_words":95,"start":1719.2551,"end":1745.405},{"sentences":[{"text":"But if you think of something else like the S and P 500, if that was to take a bit of a dip, we still see the top 500 companies in The US as being a solid investment.","start":1745.405,"end":1754.2051,"sentiment":"neutral","sentiment_score":-0.02567760567916067},{"text":"It's just that they're having a bit of a downtime at the moment.","start":1754.2051,"end":1756.925,"sentiment":"neutral","sentiment_score":-0.2555640460206912},{"text":"So it's about looking at the investments, why they're moving up and down, and is it still a solid investment?","start":1756.925,"end":1762.81,"sentiment":"neutral","sentiment_score":-0.009104637056589126},{"text":"Does it do we see it coming back and still providing benefit to you, and this is the downtime we should take advantage of?","start":1762.87,"end":1769.3501,"sentiment":"neutral","sentiment_score":0.06134756623456875},{"text":"Or is this investment no longer secure?","start":1769.3501,"end":1771.77,"sentiment":"neutral","sentiment_score":-0.27942490577697754}],"sentiment":"neutral","sentiment_score":-0.04866477554919673,"num_words":102,"start":1745.405,"end":1771.77},{"sentences":[{"text":"We don't really think it's appropriate, and we need to remove you out of that investment.","start":1771.985,"end":1775.905,"sentiment":"negative","sentiment_score":-0.5057184044271708},{"text":"So it's about sort of weighing up those options when we look at why markets are moving and what's happening in those individual investments.","start":1775.905,"end":1782.5651,"sentiment":"neutral","sentiment_score":-0.16775090371569},{"text":"Does that answer the question a bit?","start":1782.625,"end":1784.385,"sentiment":"neutral","sentiment_score":-0.022482773821268762},{"text":"Yeah.","start":1784.385,"end":1784.885,"sentiment":"neutral","sentiment_score":0.050763089209795},{"text":"Yeah.","start":1785.48,"end":1785.98,"sentiment":"neutral","sentiment_score":0.06738819926977158}],"sentiment":"neutral","sentiment_score":-0.2480968222098083,"num_words":49,"start":1771.985,"end":1785.98},{"sentences":[{"text":"So the investment committee do meet every quarter.","start":1788.6,"end":1791.18,"sentiment":"neutral","sentiment_score":0.11174039542675018},{"text":"That way, they can review what's happening.","start":1791.56,"end":1793.42,"sentiment":"neutral","sentiment_score":0.12149092235735484},{"text":"They can meet more regularly if the markets require them to do so, but most investment managers meet on a quarterly basis to reevaluate what's happening.","start":1793.56,"end":1801.515,"sentiment":"neutral","sentiment_score":0.08605870919731948},{"text":"Generally speaking, when there are big market changes, you kind of don't wanna make split decisions.","start":1801.975,"end":1806.375,"sentiment":"neutral","sentiment_score":-0.0872778904158622},{"text":"You wanna make sure the investments are, you know, they are down because of a certain reason.","start":1806.375,"end":1811.92,"sentiment":"neutral","sentiment_score":-0.10427783473449595}],"sentiment":"neutral","sentiment_score":0.010982657052777909,"num_words":74,"start":1788.6,"end":1811.92},{"sentences":[{"text":"So you normally give them a length of time to see what they're doing.","start":1811.92,"end":1814.9,"sentiment":"neutral","sentiment_score":-0.08384942875376769},{"text":"With Benelon, we probably waited about a month before we really sort of made a decision that it was definitely gonna be a problem and it wasn't gonna be, you know, resolved very, very quickly for them, and that we needed to move everybody out of that.","start":1815.6,"end":1828.855,"sentiment":"neutral","sentiment_score":-0.16503578361044538},{"text":"But investment committee's always made every quarter unless it's a big, you know, big market change that they see something that could come out of it, and we need to meet a bit more Yeah.","start":1829.155,"end":1850.23,"sentiment":"neutral","sentiment_score":-0.0862112004842077},{"text":"Yeah.","start":1852.615,"end":1852.935,"sentiment":"neutral","sentiment_score":0.07879432290792465},{"text":"Absolutely.","start":1852.935,"end":1853.435,"sentiment":"neutral","sentiment_score":0.1523447036743164}],"sentiment":"neutral","sentiment_score":-0.11955945737355826,"num_words":98,"start":1811.92,"end":1853.435},{"sentences":[{"text":"So it does mean that we can maneuver funds as we need to.","start":1853.975,"end":1857.595,"sentiment":"neutral","sentiment_score":0.14817541780380103},{"text":"The SMA is a good product.","start":1857.8151,"end":1859.095,"sentiment":"positive","sentiment_score":0.5051187674204508},{"text":"It is a little cheaper.","start":1859.095,"end":1860.215,"sentiment":"positive","sentiment_score":0.46373496055603025},{"text":"So, you know, making sure you have less in fees and more money invested is also a bit of a benefit there, and we're sort of working towards a goal.","start":1860.215,"end":1867.56,"sentiment":"positive","sentiment_score":0.4481561094522476},{"text":"If we sort of catch up and find that it's not performing, it's not doing what we want it to, then we'll look at other options for you.","start":1867.56,"end":1873.96,"sentiment":"neutral","sentiment_score":-0.1370073376622583}],"sentiment":"neutral","sentiment_score":0.2059042154606886,"num_words":82,"start":1853.975,"end":1873.96},{"sentences":[{"text":"The good thing about Hub is that we do have over, you know, 12 nearly 1,200 different investments that we can sort of choose from between Australian markets as well as overseas markets.","start":1873.96,"end":1884.175,"sentiment":"positive","sentiment_score":0.38489325028477295},{"text":"So we have those options to maneuver those in the future.","start":1884.175,"end":1887.555,"sentiment":"neutral","sentiment_score":0.3093262003226714},{"text":"But at the moment, the estimate is a really great product.","start":1887.615,"end":1889.855,"sentiment":"positive","sentiment_score":0.6268985163081776},{"text":"It's lowering the amount of fees you're gonna have to pay.","start":1889.855,"end":1892.415,"sentiment":"positive","sentiment_score":0.6663305921988054},{"text":"It has been performing really well.","start":1892.415,"end":1894.195,"sentiment":"positive","sentiment_score":0.7496507267157236}],"sentiment":"positive","sentiment_score":0.4837151391224729,"num_words":72,"start":1873.96,"end":1894.195},{"sentences":[{"text":"And then, basically, it's also looked after at a risk per set perspective as well.","start":1894.495,"end":1898.85,"sentiment":"neutral","sentiment_score":0.17565452655156452},{"text":"So because it is looked after by our investment committee as well as the BlackRock investment committee, we utilize their tools for navigating risk.","start":1898.85,"end":1907.43,"sentiment":"neutral","sentiment_score":0.23869507420264804},{"text":"And so the investment portfolio that's being built within this SMA product has been built to maximize diversification and to reduce the overall risk level that you're taking as well whilst trying to maximize the return.","start":1907.605,"end":1920.085,"sentiment":"positive","sentiment_score":0.5857043547762765},{"text":"So it definitely does provide a really good benefit for you moving forward.","start":1920.085,"end":1924.0,"sentiment":"positive","sentiment_score":0.8399488971783564},{"text":"Yeah.","start":1924.06,"end":1924.56,"sentiment":"neutral","sentiment_score":0.25471818447113037}],"sentiment":"positive","sentiment_score":0.4564371943693566,"num_words":89,"start":1894.495,"end":1924.56},{"sentences":[{"text":"Mhmm.","start":1928.14,"end":1928.64,"sentiment":"neutral","sentiment_score":0.16032421588897705},{"text":"Yep.","start":1931.5801,"end":1932.0801,"sentiment":"neutral","sentiment_score":0.18879973888397217},{"text":"Yeah.","start":1934.795,"end":1935.1151,"sentiment":"neutral","sentiment_score":0.17610366642475128},{"text":"No.","start":1935.1151,"end":1935.3551,"sentiment":"neutral","sentiment_score":0.18626511096954343},{"text":"It is a it is a smart idea to jump into it now.","start":1935.3551,"end":1938.255,"sentiment":"positive","sentiment_score":0.3699026910158304}],"sentiment":"neutral","sentiment_score":0.32471927737488465,"num_words":17,"start":1928.14,"end":1938.255},{"sentences":[{"text":"Essentially, with the markets being up and down, by moving out of Bannalong, we are cementing the losses that Bannalong has seen.","start":1938.7151,"end":1945.32,"sentiment":"neutral","sentiment_score":0.11891924860802564},{"text":"However, we are able to offset a lot of the gains as well by moving.","start":1945.32,"end":1948.86,"sentiment":"positive","sentiment_score":0.3864392737547557},{"text":"So taking the moment now and moving it now is a better decision than if we did this down the track because you are in your fifties.","start":1948.9199,"end":1956.46,"sentiment":"neutral","sentiment_score":0.2856739829811785},{"text":"If we waited too long, you don't have as long to allow the compounding effect to begin again.","start":1956.6799,"end":1962.4349,"sentiment":"neutral","sentiment_score":0.025775326726337273},{"text":"So moving now means you've got that time ahead of you to allow your portfolio to recover, to start growing, and to start compounding moving forward.","start":1962.4349,"end":1971.415,"sentiment":"neutral","sentiment_score":0.27194193521371257}],"sentiment":"neutral","sentiment_score":0.21907829919278068,"num_words":108,"start":1938.7151,"end":1971.415},{"sentences":[{"text":"Okay?","start":1971.5549,"end":1972.0549,"sentiment":"neutral","sentiment_score":0.06469269096851349},{"text":"Yeah.","start":1978.41,"end":1978.91,"sentiment":"neutral","sentiment_score":-0.12652671337127686},{"text":"Yeah.","start":1980.9701,"end":1981.4701,"sentiment":"neutral","sentiment_score":-0.09287717938423155},{"text":"Yeah.","start":1989.2251,"end":1989.7251,"sentiment":"neutral","sentiment_score":-0.09626880288124084},{"text":"Yeah.","start":1999.6399,"end":2000.12,"sentiment":"neutral","sentiment_score":-0.009341437369585035}],"sentiment":"neutral","sentiment_score":-0.05206428840756416,"num_words":5,"start":1971.5549,"end":2000.12},{"sentences":[{"text":"Yeah.","start":2000.12,"end":2000.36,"sentiment":"neutral","sentiment_score":-0.008368637412786484},{"text":"That's if you would get the right the same return that the market has provide or this portfolio has provided over the last five years.","start":2000.36,"end":2007.08,"sentiment":"neutral","sentiment_score":0.016097959652543067},{"text":"So, essentially, we don't expect to get that every year.","start":2007.08,"end":2010.525,"sentiment":"neutral","sentiment_score":-0.12095165029168128},{"text":"We you know, some use, you might get a 15 or 20 percent return.","start":2010.665,"end":2013.785,"sentiment":"neutral","sentiment_score":-0.05447084696165153},{"text":"Some use, it might only be a five or 10% return.","start":2013.785,"end":2016.185,"sentiment":"neutral","sentiment_score":0.0002397353845563808}],"sentiment":"neutral","sentiment_score":-0.025826080610639738,"num_words":61,"start":2000.12,"end":2016.185},{"sentences":[{"text":"So this is kinda averaging.","start":2016.185,"end":2017.485,"sentiment":"neutral","sentiment_score":0.021764593571424483},{"text":"However, you could obtain a 15% return.","start":2018.105,"end":2020.505,"sentiment":"neutral","sentiment_score":0.10794639374528613},{"text":"Marcus could do all sorts of things.","start":2020.505,"end":2022.12,"sentiment":"neutral","sentiment_score":0.09978492558002472},{"text":"And at this time last year, we did not think we're gonna be here this year.","start":2022.12,"end":2025.4801,"sentiment":"neutral","sentiment_score":-0.047541779349558055},{"text":"So, you know, there's a lot of different factors there, but, essentially, the estimate does put you in front even if it's just looking at the the difference in the reduction of fees.","start":2025.4801,"end":2035.18,"sentiment":"neutral","sentiment_score":0.04897652267280853}],"sentiment":"neutral","sentiment_score":0.035566161496236044,"num_words":68,"start":2016.185,"end":2035.18},{"sentences":[{"text":"And we know, overall, you're lowering the risk level as well.","start":2036.145,"end":2039.425,"sentiment":"neutral","sentiment_score":0.1585587032816627},{"text":"It's one of the big things that is our job is to try and mitigate risk as much as possible.","start":2039.425,"end":2044.3251,"sentiment":"neutral","sentiment_score":0.20911357626318933},{"text":"So the SMA, with using BlackRock, they have what's called the Aladdin computer.","start":2044.385,"end":2049.685,"sentiment":"neutral","sentiment_score":0.11931331341083233},{"text":"And when the investment committee input the different investments, it fits at a level of risk and tells us how much risk that you're taking by having money invested in this and, you know, how much diversification you're getting and things like that.","start":2049.825,"end":2061.46,"sentiment":"neutral","sentiment_score":0.10984303126501482},{"text":"So, this SMA is helping to reduce the overall level of risk, reduce the fees there, and it can put you in a better position moving forward.","start":2061.46,"end":2068.8452,"sentiment":"positive","sentiment_score":0.38506307038995957}],"sentiment":"neutral","sentiment_score":0.1982231893037495,"num_words":114,"start":2036.145,"end":2068.8452},{"sentences":[{"text":"So it is definitely better to try and do this now than to wait a few years down the track for sure.","start":2068.8452,"end":2074.7852,"sentiment":"neutral","sentiment_score":0.06540069593624635},{"text":"Yeah.","start":2074.925,"end":2075.425,"sentiment":"neutral","sentiment_score":0.02738037332892418},{"text":"Yeah.","start":2076.445,"end":2076.945,"sentiment":"neutral","sentiment_score":0.1532873809337616},{"text":"Oh, good.","start":2077.98,"end":2078.38,"sentiment":"neutral","sentiment_score":0.320980966091156},{"text":"And I'll be here to guide you.","start":2078.38,"end":2079.58,"sentiment":"neutral","sentiment_score":0.26206715192113605}],"sentiment":"neutral","sentiment_score":0.12411863819667787,"num_words":33,"start":2068.8452,"end":2079.58},{"sentences":[{"text":"And if it's if it's not working for you, I will move you out of it just as quickly.","start":2079.58,"end":2083.92,"sentiment":"neutral","sentiment_score":-0.07660487916712698},{"text":"Okay.","start":2084.06,"end":2084.56,"sentiment":"neutral","sentiment_score":0.03792889416217804},{"text":"That's okay.","start":2086.46,"end":2087.36,"sentiment":"neutral","sentiment_score":0.3099539428949356},{"text":"If you have any questions after you've read through the document, let me know.","start":2087.74,"end":2091.02,"sentiment":"neutral","sentiment_score":0.12557100823947362},{"text":"I know it can be a big decision to think it through, read the advantages, disadvantages, risks.","start":2091.02,"end":2095.2148,"sentiment":"neutral","sentiment_score":0.13721486991819212}],"sentiment":"neutral","sentiment_score":0.062131905278085535,"num_words":53,"start":2079.58,"end":2095.2148},{"sentences":[{"text":"And if you're not sure, well, you're welcome to let me know, and I'll make sure we do do those catch ups every quarter with you so we can help guide you along.","start":2095.2148,"end":2102.415,"sentiment":"neutral","sentiment_score":0.19883363614931251},{"text":"Okay?","start":2102.415,"end":2102.915,"sentiment":"neutral","sentiment_score":0.1409648358821869},{"text":"Yeah.","start":2104.4949,"end":2104.9949,"sentiment":"positive","sentiment_score":0.3729001581668854},{"text":"All good, Natalie.","start":2105.4548,"end":2106.675,"sentiment":"positive","sentiment_score":0.515825480222702},{"text":"Thank you for your time.","start":2106.94,"end":2107.98,"sentiment":"positive","sentiment_score":0.6548362135887146}],"sentiment":"neutral","sentiment_score":0.27667517431600147,"num_words":43,"start":2095.2148,"end":2107.98},{"sentences":[{"text":"I really appreciate it.","start":2107.98,"end":2109.52,"sentiment":"positive","sentiment_score":0.5445885844528675},{"text":"Anytime.","start":2113.1,"end":2113.6,"sentiment":"positive","sentiment_score":0.3835648000240326},{"text":"Have a reach you and let me know if there's any questions that you might have.","start":2113.74,"end":2116.7,"sentiment":"neutral","sentiment_score":0.28134187404066324},{"text":"I am away over the Easter period, but I'm here all the way through till next Wednesday.","start":2116.7,"end":2120.715,"sentiment":"neutral","sentiment_score":-0.032198514282593835},{"text":"So if there's anything in the meantime, let me know.","start":2120.715,"end":2122.975,"sentiment":"neutral","sentiment_score":0.0011533828452229501}],"sentiment":"neutral","sentiment_score":0.1359905876694635,"num_words":48,"start":2107.98,"end":2122.975},{"sentences":[{"text":"Otherwise, I can always get the team to email me over the course of me being away, and I can get back to you as quickly as possible.","start":2123.435,"end":2129.195,"sentiment":"neutral","sentiment_score":0.06972603034228086},{"text":"Okay?","start":2129.195,"end":2129.695,"sentiment":"neutral","sentiment_score":0.05293639004230499},{"text":"That's it.","start":2131.5952,"end":2132.415,"sentiment":"positive","sentiment_score":0.41232575476169586},{"text":"My pleasure.","start":2132.5552,"end":2133.195,"sentiment":"positive","sentiment_score":0.4768780916929245},{"text":"You thank you.","start":2133.195,"end":2136.04,"sentiment":"positive","sentiment_score":0.6449666817982992}],"sentiment":"neutral","sentiment_score":0.158849249386953,"num_words":36,"start":2123.435,"end":2136.04},{"sentences":[{"text":"Thank you.","start":2136.04,"end":2136.5999,"sentiment":"positive","sentiment_score":0.6745176017284393},{"text":"I hope you have a good Easter, and I hope you get some downtime.","start":2136.5999,"end":2139.88,"sentiment":"positive","sentiment_score":0.6234793535300663},{"text":"I know it's a long weekend.","start":2139.88,"end":2141.16,"sentiment":"neutral","sentiment_score":0.3264557619889577},{"text":"It'll be nice.","start":2141.16,"end":2141.98,"sentiment":"positive","sentiment_score":0.5640738010406494},{"text":"Yeah.","start":2145.0,"end":2145.5,"sentiment":"neutral","sentiment_score":0.15722376108169556}],"sentiment":"positive","sentiment_score":0.5340740726544306,"num_words":26,"start":2136.04,"end":2145.5},{"sentences":[{"text":"No.","start":2145.8,"end":2146.1199,"sentiment":"neutral","sentiment_score":0.1487763226032257},{"text":"Beautiful.","start":2146.1199,"end":2146.6199,"sentiment":"positive","sentiment_score":0.5799385905265808},{"text":"Well, thank you so much for your time today.","start":2146.8398,"end":2148.7349,"sentiment":"positive","sentiment_score":0.7704921894603305},{"text":"I hope you have a good rest of your day.","start":2148.7349,"end":2150.335,"sentiment":"positive","sentiment_score":0.7200886487960816},{"text":"And, again, let me know if there's anything you 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you.","start":2158.335,"end":2159.075,"sentiment":"positive","sentiment_score":0.45872725546360016}],"sentiment":"positive","sentiment_score":0.5428938741485277,"num_words":12,"start":2152.575,"end":2159.075},{"sentences":[{"text":"Bye.","start":2159.4548,"end":2159.9548,"sentiment":"neutral","sentiment_score":-0.0946827381849289}],"sentiment":"neutral","sentiment_score":-0.0946827381849289,"num_words":1,"start":2159.4548,"end":2159.9548}]}}]},{"alternatives":[{"transcript":"Hi, Dana. It's Natalie returning your call. Sorry about that. Oh, okay. No. Just Energex all turned up at the same time, and that's like between that and dogs and all of that. I was like, oh, in fact, all that. All sort of. Yeah. Mhmm. Yes. So I've been offered a role. Just a little bit more money, which, you know, kind of at the moment with different things going on is absolutely essential. So it's basically same kind of role, just different employer. I haven't I haven't gone through that process yet. I'm just in the middle of doing that. Yeah. Mhmm. Yeah. Well, that's that's something that we already spoke through the last time, and and I guess your your advice was, oh, you know, that could change anything to reapply things. And and I think I'd come up with the decision of, oh, well, it doesn't matter. Yes. It is a shortfall, but, you know, it's still better than nothing. So yeah. Mhmm. Yes. Okay. Yeah. Cool. No. For now, I'll just leave it as is and just work on other solutions for that. I know. So there's a whole lot going on there. So I Oh, that's alright. Well, I currently have a tool to trade car. So it means now looking for a car and all of those sort of things as well. So sometimes. Yeah. I'm sure. Yeah. Yeah. Correct. Yes. It has. Okay. Yes. It is. I'm I'm not sure if it's going to because I'm working on a Mac. So you know how that can be. Mhmm. Yep. Yes. Yeah. Good. Mhmm. Yes. I don't know. I I thought I started this whole process in that way. Is it because I've changed from whatever I was on before to hub twenty four, but that's changed since then. Wrong. Right. Yes. Okay. Yeah. Okay. Cool. Cool. Yeah. Mhmm. Okay. Yes. Mhmm. Okay. Yeah. Okay. Alright. I might have I might have some good questions there for you then. What about this whole new getting a car thing and the vetted lease if you understand that more than I do. Yeah. Yeah. Awesome. Okay. Cool. Cool. Yep. No. I don't think so. Okay. Okay. Mhmm. Yes. Mhmm. Okay. Mhmm. Okay. No. Not really. Alright. Mhmm. Yes. Mhmm. Okay. Yes. No. I just no. I'll let you know if my Yes. Yeah. Yeah. Okay. Yeah. Mhmm. I can do it. Cool. No. Not really. No. Yes. Yes. Mhmm. Okay. Yes. Mhmm. Yeah. I think when we when we originally did it, we capped it at about five years because it was going to start getting more and more to the point where it wasn't worth, you know, doing that anymore. And I was really concerned about the the initial few years, which was, you know, the last couple of years and leading into this year as well. So Okay. Just the things that are going on with the company. But that that obviously is gonna change. So Totally is good. Mhmm. Yeah. Okay. Now how do we get to the figure in retirement for a thousand dollars a week? Is that just based on what I've got and what what that's projected to be? Or is that that it's just I figured that was locked in system. How did that Yes. Yeah. Yeah. I think, like, I don't have to because, like, my rent's about to jump for where we are now 540 a week. So basic basically, it's going to be $600 a week for me. Mhmm. So when you look at that and then you're projecting the future with everything else that's going on, I just look at it and go, is that even gonna be enough? You know? Sorry. Yeah. Yeah. Okay. Okay. Awesome. It's hard it's hard to know. And the other thing, I don't understand what SMA is. So that was just technology versus how I'm doing it at the moment. Like, I get that what we've got at the moment. We've got things locked in, and it gives you the ability to to move in. That that appeals to me, like, the fact that you can move with the market and and adjusting. Because that's what it was explained to me at the beginning was that you could adjust things as necessary without having to touch base with me, which absolutely I'm on board with because you'll see things quicker than I'll notice things. And is that still gonna be in the next at least in the next five years still reasonably aggressive? Okay. Yeah. No. No. Yeah. Yeah. That does. And so that that eliminates the the problems that we've obviously had and seen with the Benelon portion of Mars with polio. Yeah. Yes. Okay. Yeah. Good. And how often have I have I been if I've looked at and adjusted? Okay. And so basically, in summary, you feel that this is a good move for me, and this has got more more advantages and disadvantages? And and this like, with everything that's going on, is this a smart idea at this time, or is this something that I really should be pausing on? Okay. Yeah. I think that's what makes me nervous is the fact that every time I've made a change, I do see that massive dip. I'm in a very similar dip this year anyway because of, luckily, what's going on. But I see that back step, and it takes some time for it to really get moving again. I guess I'm still a little hesitant. Is that still the right move, or should I just be, you know, pressing along? But this is suggesting that in ten years that I'd be better off by $90,000. Is that right? Yeah. Obviously, that's no. Yes. Okay. Alright. Cool. Awesome. Yeah. Yeah. Awesome. Okay. Perfect. Yes. That that's great. Awesome. Thank you. Well, thank you so much, Dale, for putting that together for me. Okay. No. I appreciate it. Yeah. Thank you. Oh, I hope you have a lovely break too. Yeah. Yeah. I know. So looking forward to that. Yeah. Cheers. Thanks for that, Dana. Yep. Have a good one. See you. 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Dana. It's Natalie returning your call. Sorry about that. Oh, okay. No.\n\nJust Energex all turned up at the same time, and that's like between that and dogs and all of that. I was like, oh, in fact, all that. All sort of. Yeah. Mhmm.\n\nYes. So I've been offered a role. Just a little bit more money, which, you know, kind of at the moment with different things going on is absolutely essential. So it's basically same kind of role, just different employer. I haven't I haven't gone through that process yet.\n\nI'm just in the middle of doing that. Yeah. Mhmm. Yeah. Well, that's that's something that we already spoke through the last time, and and I guess your your advice was, oh, you know, that could change anything to reapply things.\n\nAnd and I think I'd come up with the decision of, oh, well, it doesn't matter. Yes. It is a shortfall, but, you know, it's still better than nothing. So yeah. Mhmm.\n\nYes. Okay. Yeah. Cool. No.\n\nFor now, I'll just leave it as is and just work on other solutions for that. I know. So there's a whole lot going on there. So I Oh, that's alright. Well, I currently have a tool to trade car.\n\nSo it means now looking for a car and all of those sort of things as well. So sometimes. Yeah. I'm sure. Yeah.\n\nYeah. Correct. Yes. It has. Okay.\n\nYes. It is. I'm I'm not sure if it's going to because I'm working on a Mac. So you know how that can be. Mhmm.\n\nYep. Yes. Yeah. Good. Mhmm.\n\nYes. I don't know. I I thought I started this whole process in that way. Is it because I've changed from whatever I was on before to hub twenty four, but that's changed since then. Wrong.\n\nRight. Yes. Okay. Yeah. Okay.\n\nCool. Cool. Yeah. Mhmm. Okay.\n\nYes. Mhmm. Okay. Yeah. Okay.\n\nAlright. I might have I might have some good questions there for you then. What about this whole new getting a car thing and the vetted lease if you understand that more than I do. Yeah. Yeah.\n\nAwesome. Okay. Cool. Cool. Yep.\n\nNo. I don't think so. Okay. Okay. Mhmm.\n\nYes. Mhmm. Okay. Mhmm. Okay.\n\nNo. Not really. Alright. Mhmm. Yes.\n\nMhmm. Okay. Yes. No. I just no.\n\nI'll let you know if my Yes. Yeah. Yeah. Okay. Yeah.\n\nMhmm. I can do it. Cool. No. Not really.\n\nNo. Yes. Yes. Mhmm. Okay.\n\nYes. Mhmm. Yeah. I think when we when we originally did it, we capped it at about five years because it was going to start getting more and more to the point where it wasn't worth, you know, doing that anymore. And I was really concerned about the the initial few years, which was, you know, the last couple of years and leading into this year as well.\n\nSo Okay. Just the things that are going on with the company. But that that obviously is gonna change. So Totally is good. Mhmm.\n\nYeah. Okay. Now how do we get to the figure in retirement for a thousand dollars a week? Is that just based on what I've got and what what that's projected to be? Or is that that it's just I figured that was locked in system.\n\nHow did that Yes. Yeah. Yeah. I think, like, I don't have to because, like, my rent's about to jump for where we are now 540 a week. So basic basically, it's going to be $600 a week for me.\n\nMhmm. So when you look at that and then you're projecting the future with everything else that's going on, I just look at it and go, is that even gonna be enough? You know? Sorry. Yeah.\n\nYeah. Okay. Okay. Awesome. It's hard it's hard to know.\n\nAnd the other thing, I don't understand what SMA is. So that was just technology versus how I'm doing it at the moment. Like, I get that what we've got at the moment. We've got things locked in, and it gives you the ability to to move in. That that appeals to me, like, the fact that you can move with the market and and adjusting.\n\nBecause that's what it was explained to me at the beginning was that you could adjust things as necessary without having to touch base with me, which absolutely I'm on board with because you'll see things quicker than I'll notice things. And is that still gonna be in the next at least in the next five years still reasonably aggressive? Okay. Yeah. No.\n\nNo. Yeah. Yeah. That does. And so that that eliminates the the problems that we've obviously had and seen with the Benelon portion of Mars with polio.\n\nYeah. Yes. Okay. Yeah. Good.\n\nAnd how often have I have I been if I've looked at and adjusted? Okay. And so basically, in summary, you feel that this is a good move for me, and this has got more more advantages and disadvantages? And and this like, with everything that's going on, is this a smart idea at this time, or is this something that I really should be pausing on? Okay.\n\nYeah. I think that's what makes me nervous is the fact that every time I've made a change, I do see that massive dip. I'm in a very similar dip this year anyway because of, luckily, what's going on. But I see that back step, and it takes some time for it to really get moving again. I guess I'm still a little hesitant.\n\nIs that still the right move, or should I just be, you know, pressing along? But this is suggesting that in ten years that I'd be better off by $90,000. Is that right? Yeah. Obviously, that's no.\n\nYes. Okay. Alright. Cool. Awesome.\n\nYeah. Yeah. Awesome. Okay. Perfect.\n\nYes. That that's great. Awesome. Thank you. Well, thank you so much, Dale, for putting that together for me.\n\nOkay. No. I appreciate it. Yeah. Thank you.\n\nOh, I hope you have a lovely break too. Yeah. Yeah. I know. So looking forward to that.\n\nYeah. Cheers. Thanks for that, Dana. Yep. Have a good one.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":3.4399998,"end":4.16,"sentiment":"neutral","sentiment_score":0.10055628418922424},{"text":"It's Natalie returning your call.","start":4.16,"end":6.0,"sentiment":"neutral","sentiment_score":0.08607361614704132},{"text":"Sorry about that.","start":6.0,"end":7.06,"sentiment":"neutral","sentiment_score":0.05772538607319196},{"text":"Oh, okay.","start":19.425,"end":20.305,"sentiment":"neutral","sentiment_score":0.16640643030405045},{"text":"No.","start":20.305,"end":20.545,"sentiment":"neutral","sentiment_score":0.07110538333654404}],"sentiment":"neutral","sentiment_score":0.09296731163675968,"num_words":13,"start":3.4399998,"end":20.545},{"sentences":[{"text":"Just Energex all turned up at the same time, and that's like between that and dogs and all of that.","start":20.545,"end":25.505001,"sentiment":"neutral","sentiment_score":0.08888678085058928},{"text":"I was like, oh, in fact, all 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be?","start":1426.325,"end":1429.945,"sentiment":"neutral","sentiment_score":0.00812824002156655},{"text":"Or is that that it's just I figured that was locked in system.","start":1430.0299,"end":1433.97,"sentiment":"neutral","sentiment_score":-0.05685810372233391}],"sentiment":"neutral","sentiment_score":0.029460068083489718,"num_words":46,"start":1420.1649,"end":1433.97},{"sentences":[{"text":"How did that Yes.","start":1434.0299,"end":1475.8099,"sentiment":"neutral","sentiment_score":-0.00993017666041851},{"text":"Yeah.","start":1485.545,"end":1486.045,"sentiment":"neutral","sentiment_score":0.20130640268325808},{"text":"Yeah.","start":1501.665,"end":1501.905,"sentiment":"neutral","sentiment_score":0.1192057877779007},{"text":"I think, like, I don't have to because, like, my rent's about to jump for where we are now 540 a week.","start":1501.905,"end":1511.5851,"sentiment":"neutral","sentiment_score":0.07170411233197559},{"text":"So basic basically, it's going to be $600 a week for 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know?","start":1528.46,"end":1529.12,"sentiment":"neutral","sentiment_score":0.021618892438709736},{"text":"Sorry.","start":1554.12,"end":1554.5199,"sentiment":"neutral","sentiment_score":-0.09896452724933624},{"text":"Yeah.","start":1554.5199,"end":1555.0199,"sentiment":"neutral","sentiment_score":-0.05304959416389465}],"sentiment":"neutral","sentiment_score":0.06967134370158116,"num_words":36,"start":1520.38,"end":1555.0199},{"sentences":[{"text":"Yeah.","start":1557.88,"end":1558.38,"sentiment":"neutral","sentiment_score":0.11350929737091064},{"text":"Okay.","start":1558.44,"end":1558.935,"sentiment":"neutral","sentiment_score":0.134642094373703},{"text":"Okay.","start":1559.9751,"end":1560.4551,"sentiment":"neutral","sentiment_score":0.20451106131076813},{"text":"Awesome.","start":1560.4551,"end":1560.9551,"sentiment":"positive","sentiment_score":0.35325002670288086},{"text":"It's hard it's hard to know.","start":1566.135,"end":1567.5951,"sentiment":"neutral","sentiment_score":-0.1602967008948326}],"sentiment":"neutral","sentiment_score":-0.015586772561073303,"num_words":10,"start":1557.88,"end":1567.5951},{"sentences":[{"text":"And the other thing, I don't understand what SMA is.","start":1568.135,"end":1572.87,"sentiment":"neutral","sentiment_score":-0.15948207266628742},{"text":"So that was just technology versus how I'm doing it at the moment.","start":1573.43,"end":1577.99,"sentiment":"neutral","sentiment_score":-0.023837220711776845},{"text":"Like, I get that what we've got at the moment.","start":1577.99,"end":1579.83,"sentiment":"neutral","sentiment_score":0.0411728274077177},{"text":"We've got things locked in, and it gives you the ability to to move in.","start":1579.83,"end":1584.63,"sentiment":"neutral","sentiment_score":0.17397741824388505},{"text":"That that appeals to me, like, the fact that you can move with the market and and adjusting.","start":1584.63,"end":1588.8351,"sentiment":"neutral","sentiment_score":0.2915544534722964}],"sentiment":"neutral","sentiment_score":0.09643431991395174,"num_words":66,"start":1568.135,"end":1588.8351},{"sentences":[{"text":"Because that's what it was explained to me at the beginning was that you could adjust things as necessary without having to touch base with me, which absolutely I'm on board with because you'll see things quicker than I'll notice things.","start":1590.3351,"end":1602.83,"sentiment":"positive","sentiment_score":0.3511752309959109},{"text":"And is that still gonna be in the next at least in the next five years still reasonably aggressive?","start":1604.1699,"end":1608.6699,"sentiment":"neutral","sentiment_score":0.09805349417422947},{"text":"Okay.","start":1660.9,"end":1661.4,"sentiment":"neutral","sentiment_score":0.06032251566648483},{"text":"Yeah.","start":1709.6749,"end":1709.995,"sentiment":"neutral","sentiment_score":-0.016791079193353653},{"text":"No.","start":1709.995,"end":1710.1549,"sentiment":"neutral","sentiment_score":-0.12544691562652588}],"sentiment":"neutral","sentiment_score":0.256814053666497,"num_words":63,"start":1590.3351,"end":1710.1549},{"sentences":[{"text":"No.","start":1710.1549,"end":1710.6549,"sentiment":"neutral","sentiment_score":-0.1570420265197754},{"text":"Yeah.","start":1710.85,"end":1711.09,"sentiment":"neutral","sentiment_score":-0.009818052873015404},{"text":"Yeah.","start":1711.09,"end":1711.1699,"sentiment":"neutral","sentiment_score":0.026182077825069427},{"text":"That does.","start":1711.1699,"end":1711.8099,"sentiment":"neutral","sentiment_score":0.06328791752457619},{"text":"And so that that eliminates the the problems that we've obviously had and seen with the Benelon portion of Mars with polio.","start":1711.8099,"end":1719.35,"sentiment":"neutral","sentiment_score":-0.027707997519014912}],"sentiment":"neutral","sentiment_score":-0.023099189330996188,"num_words":27,"start":1710.1549,"end":1719.35},{"sentences":[{"text":"Yeah.","start":1719.49,"end":1719.99,"sentiment":"neutral","sentiment_score":0.06638157367706299},{"text":"Yes.","start":1757.725,"end":1758.225,"sentiment":"neutral","sentiment_score":0.02200377732515335},{"text":"Okay.","start":1783.175,"end":1783.675,"sentiment":"neutral","sentiment_score":-0.035872459411621094},{"text":"Yeah.","start":1784.535,"end":1784.8551,"sentiment":"neutral","sentiment_score":0.1186961755156517},{"text":"Good.","start":1784.8551,"end":1785.175,"sentiment":"neutral","sentiment_score":0.19861626625061035}],"sentiment":"neutral","sentiment_score":0.07396506667137145,"num_words":5,"start":1719.49,"end":1785.175},{"sentences":[{"text":"And how often have I have I been if I've looked at and adjusted?","start":1785.175,"end":1788.155,"sentiment":"neutral","sentiment_score":0.03275420396987881},{"text":"Okay.","start":1842.375,"end":1842.75,"sentiment":"neutral","sentiment_score":-0.013838550075888634},{"text":"And so basically, in summary, you feel that this is a good move for me, and this has got more more advantages and disadvantages?","start":1842.99,"end":1851.81,"sentiment":"neutral","sentiment_score":0.11934294225648046},{"text":"And and this like, with everything that's going on, is this a smart idea at this time, or is this something that I really should be pausing on?","start":1925.13,"end":1934.5901,"sentiment":"neutral","sentiment_score":0.2427952310868672},{"text":"Okay.","start":1955.0299,"end":1955.5299,"sentiment":"neutral","sentiment_score":0.08587118983268738}],"sentiment":"neutral","sentiment_score":0.14989836146945462,"num_words":68,"start":1785.175,"end":1955.5299},{"sentences":[{"text":"Yeah.","start":1971.845,"end":1972.1649,"sentiment":"neutral","sentiment_score":-0.062011733651161194},{"text":"I think that's what makes me nervous is the fact that every time I've made a change, I do see that massive dip.","start":1972.1649,"end":1976.34,"sentiment":"neutral","sentiment_score":-0.2722300932459209},{"text":"I'm in a very similar dip this year anyway because of, luckily, what's going on.","start":1976.34,"end":1980.18,"sentiment":"neutral","sentiment_score":-0.15558398539821308},{"text":"But I see that back step, and it takes some time for it to really get moving again.","start":1980.18,"end":1984.92,"sentiment":"neutral","sentiment_score":-0.12000214763813549},{"text":"I guess I'm still a little hesitant.","start":1985.7,"end":1987.56,"sentiment":"neutral","sentiment_score":-0.26352797022887636}],"sentiment":"neutral","sentiment_score":-0.19784059544326738,"num_words":64,"start":1971.845,"end":1987.56},{"sentences":[{"text":"Is that still the right move, or should I just be, you know, pressing along?","start":1987.7,"end":1992.0449,"sentiment":"neutral","sentiment_score":-0.0982281024257342},{"text":"But this is suggesting that in ten years that I'd be better off by $90,000.","start":1992.0449,"end":1999.025,"sentiment":"neutral","sentiment_score":-0.11696180899937948},{"text":"Is that right?","start":1999.085,"end":1999.905,"sentiment":"neutral","sentiment_score":-0.014209770287076632},{"text":"Yeah.","start":2004.525,"end":2004.9249,"sentiment":"neutral","sentiment_score":-0.023310139775276184},{"text":"Obviously, that's no.","start":2004.9249,"end":2013.2524,"sentiment":"neutral","sentiment_score":-0.03888016271715363}],"sentiment":"neutral","sentiment_score":-0.09217374622066682,"num_words":37,"start":1987.7,"end":2013.2524},{"sentences":[{"text":"Yes.","start":2069.48,"end":2069.98,"sentiment":"neutral","sentiment_score":0.15945225954055786},{"text":"Okay.","start":2075.345,"end":2075.845,"sentiment":"neutral","sentiment_score":0.027053192257881165},{"text":"Alright.","start":2075.985,"end":2076.485,"sentiment":"neutral","sentiment_score":0.06432705372571945},{"text":"Cool.","start":2076.945,"end":2077.445,"sentiment":"neutral","sentiment_score":0.2515594959259033},{"text":"Awesome.","start":2078.3052,"end":2078.8052,"sentiment":"positive","sentiment_score":0.4354095458984375}],"sentiment":"neutral","sentiment_score":0.18756030946969987,"num_words":5,"start":2069.48,"end":2078.8052},{"sentences":[{"text":"Yeah.","start":2084.5452,"end":2084.7852,"sentiment":"neutral","sentiment_score":0.045415230095386505},{"text":"Yeah.","start":2084.7852,"end":2084.945,"sentiment":"neutral","sentiment_score":0.11918281018733978},{"text":"Awesome.","start":2084.945,"end":2085.445,"sentiment":"neutral","sentiment_score":0.2977607846260071},{"text":"Okay.","start":2085.5051,"end":2085.985,"sentiment":"neutral","sentiment_score":0.2905227243900299},{"text":"Perfect.","start":2085.985,"end":2086.485,"sentiment":"positive","sentiment_score":0.45680731534957886}],"sentiment":"neutral","sentiment_score":0.24193777292966842,"num_words":5,"start":2084.5452,"end":2086.485},{"sentences":[{"text":"Yes.","start":2102.7349,"end":2103.055,"sentiment":"neutral","sentiment_score":0.23727446794509888},{"text":"That that's great.","start":2103.055,"end":2104.255,"sentiment":"positive","sentiment_score":0.5420447885990143},{"text":"Awesome.","start":2104.255,"end":2104.755,"sentiment":"positive","sentiment_score":0.6049506664276123},{"text":"Thank you.","start":2105.9348,"end":2106.755,"sentiment":"positive","sentiment_score":0.5292342603206635},{"text":"Well, thank you so much, Dale, for putting that together for me.","start":2109.855,"end":2112.915,"sentiment":"positive","sentiment_score":0.8201959182818731}],"sentiment":"positive","sentiment_score":0.7036410021154504,"num_words":19,"start":2102.7349,"end":2112.915},{"sentences":[{"text":"Okay.","start":2123.3599,"end":2123.8599,"sentiment":"neutral","sentiment_score":0.06100274622440338},{"text":"No.","start":2129.695,"end":2129.935,"sentiment":"neutral","sentiment_score":-0.15178623795509338},{"text":"I appreciate it.","start":2129.935,"end":2130.975,"sentiment":"neutral","sentiment_score":0.1794372797012329},{"text":"Yeah.","start":2130.975,"end":2131.2952,"sentiment":"neutral","sentiment_score":0.2000533789396286},{"text":"Thank you.","start":2131.2952,"end":2132.195,"sentiment":"positive","sentiment_score":0.5063741505146027}],"sentiment":"neutral","sentiment_score":0.20754125341773033,"num_words":8,"start":2123.3599,"end":2132.195},{"sentences":[{"text":"Oh, I hope you have a lovely break too.","start":2132.5752,"end":2134.915,"sentiment":"positive","sentiment_score":0.6559793021943834},{"text":"Yeah.","start":2139.615,"end":2140.115,"sentiment":"neutral","sentiment_score":0.3029139041900635},{"text":"Yeah.","start":2142.46,"end":2142.5398,"sentiment":"neutral","sentiment_score":0.29825788736343384},{"text":"I know.","start":2142.5398,"end":2143.18,"sentiment":"neutral","sentiment_score":0.32685066759586334},{"text":"So looking forward to that.","start":2143.18,"end":2144.4,"sentiment":"positive","sentiment_score":0.5188626110553741}],"sentiment":"positive","sentiment_score":0.541833327876197,"num_words":18,"start":2132.5752,"end":2144.4},{"sentences":[{"text":"Yeah.","start":2152.94,"end":2153.44,"sentiment":"neutral","sentiment_score":0.2911108732223511},{"text":"Cheers.","start":2153.5,"end":2153.8198,"sentiment":"positive","sentiment_score":0.5649222135543823},{"text":"Thanks for that, Dana.","start":2153.8198,"end":2154.96,"sentiment":"positive","sentiment_score":0.7542075514793396},{"text":"Yep.","start":2157.3208,"end":2157.8208,"sentiment":"neutral","sentiment_score":0.3124421536922455},{"text":"Have a good one.","start":2158.201,"end":2159.161,"sentiment":"positive","sentiment_score":0.4420604780316353}],"sentiment":"positive","sentiment_score":0.5412315780466254,"num_words":11,"start":2152.94,"end":2159.161},{"sentences":[{"text":"See you.","start":2159.161,"end":2159.401,"sentiment":"neutral","sentiment_score":0.3246411234140396},{"text":"Bye.","start":2159.401,"end":2159.901,"sentiment":"neutral","sentiment_score":0.1908067911863327}],"sentiment":"neutral","sentiment_score":0.2800296793381373,"num_words":3,"start":2159.161,"end":2159.901}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Dana.\n\nChannel 1: Hi, Dana. It's Natalie returning your call. Sorry\n\nChannel 0: Oh,\n\nChannel 1: about that.\n\nChannel 0: that's okay. It's not a problem at all. Sometimes people screen the calls. That's why we like to send try to call twice, and then we send a text message to make it a bit easier for you. But it's honestly not a problem at all.\n\nHow's your day been?\n\nChannel 1: Oh, okay. No. Just Energex all turned up at the same time, and that's like between that and dogs and all of that. I was like, oh, in fact, all that.\n\nChannel 0: Yeah.\n\nChannel 1: All\n\nChannel 0: No.\n\nChannel 1: sort\n\nChannel 0: That's\n\nChannel 1: of.\n\nChannel 0: okay.\n\nChannel 1: Yeah.\n\nChannel 0: I do have your advisees ready to go. Do you have access to your emails? Are you able to review the document as we're going through it? Or yep. Beautiful.\n\nI'm just gonna send this one through to you there, Natalie. I've just pressed send on the email now.\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. Lovely. In the message I got the other day, it mentioned that you might be having some changes to your job as well.\n\nChannel 1: Yes. So I've been\n\nChannel 0: Yep.\n\nChannel 1: offered a role. Just a little bit more money, which, you know, kind of at the moment\n\nChannel 0: Perfect.\n\nChannel 1: with different things going on is\n\nChannel 0: Yep.\n\nChannel 1: absolutely essential. So it's basically same kind of role, just different\n\nChannel 0: Yep.\n\nChannel 1: employer.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: I haven't I haven't gone through that process yet. I'm just in the middle\n\nChannel 0: Yep.\n\nChannel 1: of doing that.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Not a problem at all. So I think one of the questions there was how this might affect your insurances. Realistically, your life and TPD, there's no issue there. There's no\n\nChannel 1: Mhmm.\n\nChannel 0: issue with your insurances whatsoever. The main sort of thing comes down to the income protection side of it. So when you do get that new job and you've got the higher income there, we may need to just reevaluate the income protection side of things for you to see if we may maybe need to increase that or whether that level of income protection is still gonna be sufficient for your\n\nChannel 1: Yeah.\n\nChannel 0: your your weekly needs, yeah,\n\nChannel 1: Well,\n\nChannel 0: or monthly\n\nChannel 1: that's that's\n\nChannel 0: needs.\n\nChannel 1: something that we already spoke through the last time, and and\n\nChannel 0: Yeah.\n\nChannel 1: I guess your your advice was, oh, you know, that could change anything to reapply things. And\n\nChannel 0: Yeah.\n\nChannel 1: and I think I'd come up with the decision of, oh, well, it doesn't matter. Yes. It is a shortfall, but,\n\nChannel 0: Yeah.\n\nChannel 1: you know, it's still better than nothing.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Well, if you decide that it's not enough and you do wanna look at increasing that, do let me know. I'm more\n\nChannel 1: Mhmm.\n\nChannel 0: than happy to talk about it, look at what the options are. We'll reassess your health and see what kinda contracts might be offered. Because if you were on a claim, we don't want you to be underinsured and not, you know, too much that's really affecting your life. And, look, there are other options that we can look at as well. So if you don't wanna increase the insurances, we can always look at whether you've got some money in cash flow outside of super, maybe set up a savings and start building a a bit of a buffer with savings there, or we can invest money for the future as well.\n\nAnd those sort of things can also help to close the gap for you. So,\n\nChannel 1: Yes.\n\nChannel 0: yeah, but, I mean, at your age, it is it is gonna be more expensive to increase insurances, but it just comes down to what you're comfortable with and whether this income protection is gonna give you enough of a buffer in the event that you were unable to work. So yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Cool. No. For now, I'll just leave it as is and\n\nChannel 0: Yeah.\n\nChannel 1: just work on other solutions for that.\n\nChannel 0: Perfect. Not a problem at all. All good. Well, congratulations on this new new role, and an increase in pay is always a good thing.\n\nChannel 1: I know. So there's a whole lot going on there.\n\nChannel 0: Absolutely. You've got a\n\nChannel 1: So\n\nChannel 0: lot\n\nChannel 1: I\n\nChannel 0: going on.\n\nChannel 1: Oh, that's alright. Well, I currently have a tool to trade car. So it\n\nChannel 0: Yep.\n\nChannel 1: means now looking for a car and all of those sort of things as well. So sometimes.\n\nChannel 0: Wow. A lot of changes to come. Yeah. Definitely. All good.\n\nWell, good luck with it all. Hopefully, it all it works out really well for you that you enjoy your new role when that time comes. So that'll\n\nChannel 1: Yeah.\n\nChannel 0: be good. We'll\n\nChannel 1: I'm\n\nChannel 0: definitely\n\nChannel 1: sure.\n\nChannel 0: make sure we are catching up with you over the course of the year as well just to see how things are going.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yeah. Beautiful. Has that email popped through to you there at all?\n\nChannel 1: Yes. It has.\n\nChannel 0: Perfect. So when you open the email there, it does have the statement of advice set as an attachment. Otherwise, you can also press the button that does say sign. However, it won't ever ask you to sign until you've read the document. So you can press that that button go through so you can see the document.\n\nIt'll let you scroll up and down through the pages there.\n\nChannel 1: Okay.\n\nChannel 0: Is that working?\n\nChannel 1: Yes. It is.\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Perfect.\n\nChannel 1: I'm not sure if it's going to because I'm working on a Mac. So you know how that can be.\n\nChannel 0: Yeah. Absolutely. No. Not a problem at all. On the first page of the document there, it does state statement of advice prepared for yourself as of the 03/20/2026 prepared by myself and my beautiful team here, Dana Taylor.\n\nMy authorized representative number with Oakview Financial and registered through ASIC is 1304394. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: The next set of pages are outlining the best interest, Judy. So just letting you know that any advice we do provide is there in your best interest. It's aimed to help you towards meeting your long term your retirement goals, and we make sure we do go through the process we do of doing enough research, making sure that it's all working better for you. And we can't provide advice if it's not gonna put you in a better position. Okay?\n\nChannel 1: Yes. Yeah. Good.\n\nChannel 0: Excellent. The next page is your table of contents, and after that, you'll see the scope of the advice. So we're scoping in superannuation at the moment, looking at the best\n\nChannel 1: Mhmm.\n\nChannel 0: way to have your your investment structured. We know there has been a bit of market volatility out there. We talked about looking at the separately managed account, which allows us to make changes to the investments without having to call you and go through things. So it just does give the investment committee greater control over making sure you're invested correctly, but also making sure that it's working for you at the same time. Okay.\n\nChannel 1: Yes.\n\nChannel 0: I've, yeah,\n\nChannel 1: I don't know. I I thought I started\n\nChannel 0: sorry.\n\nChannel 1: this whole process in that way.\n\nChannel 0: You're\n\nChannel 1: Is it because I've changed from\n\nChannel 0: at\n\nChannel 1: whatever I was on before to\n\nChannel 0: mhmm.\n\nChannel 1: hub twenty four,\n\nChannel 0: Yep.\n\nChannel 1: but that's changed since\n\nChannel 0: No. No. So with HAB 24, the main reason we couldn't alter any of the investments prior to doing this document is that when you came on board originally, you were recommended a set portfolio.\n\nChannel 1: then.\n\nChannel 0: That set portfolio\n\nChannel 1: Wrong.\n\nChannel 0: outlined exactly what investments you would be invested in. So for us to change those investments, we actually need to update advice.\n\nChannel 1: Right.\n\nChannel 0: So by moving into the SMA, that actually changes. So the SMA, essentially, in your super fund, you will see the bloom or the evergreen you'll see an SMA product with the amount of money you have in there. And underlying\n\nChannel 1: Yes.\n\nChannel 0: inside that SMA, there's anywhere between, you know, 10 to 20 to 50 different investment options depending on what we need to be invested in. So you actually don't see all those underlines. You just see the estimate product and where your funds are. It does change the visibility a little bit, but it means that the investment committee have a lot more control or we can make changes to the product. So, say, with what happened with Bennelong, if we saw that happen again, instead of having to book you in and have that conversation, we can take that investment out straight away and put something else in its place and move that money around.\n\nSo it's providing more\n\nChannel 1: Okay.\n\nChannel 0: of a benefit to you. Things can be moved a lot faster, and we don't have to go through the whole conversation with you. In saying that, we also do because you do lose a bit of visibility by having these sorts of accounts, we do every quarter the investment committee meet, and we do get trade reports whenever big changes are made. So we can be sending you those throughout the year as well. Okay?\n\nChannel 1: Yeah. Okay. Cool. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. We've also got the estate planning side of things scoped in. So you wanted to make sure that your beneficiaries were set up. So in the event of passing that the the benefit was paid out to your son and daughter, so Reese and Jessica, but you wanted to be set up so it's paid out in the most tax effective way for them as well. So I have made a recommendation to alter those nominations for you.\n\nOkay?\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: We're not we've scoped into a limited scope for insurances. So we're not making a recommendation on altering the insurances at all. However, they are scoped in on a limited basis. Because your insurances are paid out if you're super, it still has a long term effect on your super and your retirement goals. So we\n\nChannel 1: Yes.\n\nChannel 0: do keep it as a limited scope to show you the long term effect of that. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: And then we've also got here not on the next page. Sorry. What we're not considering. So we don't have trauma at the moment. You didn't wanna look at getting any additional insurance cover to what you had.\n\nSo we're not making a recommendation around trauma, but we can always talk about that down the track if you change your mind. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. The next page is we've got the limited advice warning. So just letting you know we scope in and out areas that we are and are not providing advice on. We can also refer you to a solicitor for the drafting of wills and power of attorneys and reviewing of those. If you do need any a general insurance broker for things like home, motor, contents, business insurance liability, things like that, we can also refer you to a general insurance broker if you need.\n\nAnd the bottom section there lets you know that I am under the Better Advice Act 2021, allowed to provide financial advice related to tax and tax related issues. We're not accountants, though, so we don't do your tax return, but we can always refer you to an accountant if you require those services as well. Okay?\n\nChannel 1: Yeah. Okay. Alright. I\n\nChannel 0: Perfect.\n\nChannel 1: might have I might have some good questions there for you then. What about this whole new getting a car thing and the vetted lease if you\n\nChannel 0: Yeah.\n\nChannel 1: understand that more than I do.\n\nChannel 0: Yeah. Yeah. Yeah. If you're looking at a novated lease, if you can get the contract for me, I\n\nChannel 1: Yeah.\n\nChannel 0: can kinda break it down and just give you some general information around on that. Absolutely. Yeah.\n\nChannel 1: Yeah. Awesome. Okay. Cool.\n\nChannel 0: Perfect.\n\nChannel 1: Cool.\n\nChannel 0: Not a worry. The next page that outlines the about you section, I know your income is due to increase in the coming weeks there possibly as well.\n\nChannel 1: Yep.\n\nChannel 0: The rest of the information is based on the last fax line that we had there. Is there anything else that should be sort of updated or changed, do you think?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No. Perfect. And the next page outlines your assets and liabilities noted down there. So we've got nothing major noted, and then we've got your superannuation and insurances noted there as well with the current rates. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now the next couple of pages do so to start taking you to the recommendations. After the call, you're welcome to go back and have a really good read of things. But to make it easier for you with the way I'm gonna present it to you, if you can just scroll directly down to page number 18 for me, this essentially outlines the recommendations we're making and the effect to show you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. So at the moment, you are in hub twenty four. We're not making any direct changes to the the super fund. We're still recommending you retain hub twenty four. It is still a great platform, and hub twenty four definitely allows us to utilize all the different investment options to be able to build and create these portfolios for you.\n\nWhat I am recommending we do is we move out of your current high growth portfolio and into the SMA. So on the bottom of that table, you'll see your current high growth portfolio noted, and then\n\nChannel 1: Mhmm.\n\nChannel 0: we're gonna move you into the OVF SMA blend. When we look at the way the high growth portfolio over the last five years, your current has averaged, and we know this is just what the investments have averaged. We know your return is completely different because then long hasn't been performing this year, and we know you don't get 48% exactly every year. So it's just taking all of the investments, looking at what the returns were over the past five years, and then averaging them out for you. Okay?\n\nChannel 1: Yes.\n\nChannel 0: With the SMA blend there, you can actually see that the past five year rolling average has averaged a little bit higher than what your current high growth portfolio is. So by moving into that into that SMA product, you can tend to get the greater potential returns if the market perform the same way as it does. But the other good thing about this is actually cheaper in fees for you. So whilst we are retaining Hub, we actually move you away from the core products and into the choice product. Sorry.\n\nOut of the choice product and into the core product. So we just change the product within hub 24 that you have. And by doing that, it actually reduces the administration fees. So\n\nChannel 1: Mhmm.\n\nChannel 0: currently, you're paying about $13.32. By changing the product in hub 24 and moving into the SMA, we can reduce your administration fees by about a $180 for the year, which is a benefit. Okay? With the investment fees there by moving into the SMA, instead of paying the $19.26, we can reduce your investment fees by about $238 for the year as well. So that's essentially giving you a little bit more money invested, working harder for you, paying a little bit less in fees, which is important as well.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Perfect. If you scroll up for me just by two pages, the page number 16, this is essentially what we are buying and selling there. So with the investments, you'll see what you have at the moment. You've got some cybersecurity. We've got some India.\n\nWe've got some health care, the S and P 500. We've got the Rafi Aussie 200, some Benelon Australian Equities, the JPMorgan Research Enhanced Index Fund. We've got some Global X Physical Gold and also the BetaShares Bank Hybrid. So this table\n\nChannel 1: Mhmm.\n\nChannel 0: shows that we're gonna be selling all of those. Essentially, some of these do exist in the SMA, so they will be in specie transferred over to help limit limit the capital gains effect for you. But, essentially, we'll be removing all of these out of your portfolio within Hub twenty four and moving you straight into the Bloom SMA. So it's a high growth product. So when you look at Hub 24, once this is completed, this is what you'll see.\n\nYou'll see the Bloom SMA with, essentially, the total balance sitting in there, and that's what it'll basically look like. And then within that product, underneath there, there'll be a lot of different investment options that we'll be investing in, maneuvering money around, and making changes throughout the time for you. So being in the SMA definitely doesn't take away the need for reviews and catch ups and things because we wanna make sure it's still working for you, and this SMA is a high growth product. So as you get older and closer to wanting to access your super, you're not gonna wanna be in that high growth environment anymore. You're gonna wanna reduce yourself back a little bit.\n\nSo we'll be able to pick that time as to when we do that and start to reduce things back. And the catch ups and then your reviews will also allow allow us to help make sure that this is still working for you. And if it's not, we'll move you out of the product and into something else. Okay? Do you have any questions so far at all?\n\nChannel 1: Okay. No. Not really.\n\nChannel 0: No. That's okay. It's really important that we do sort of note as well that there is the best interest duty on all of these. So the the recommendation has been noted in your\n\nChannel 1: Alright.\n\nChannel 0: best interest as your goal is to stay where you're super. Can be you want it working harder towards retiring age 67 currently with a target income, we're working on about a thousand dollars on a weekly basis there. So you wanna have the funds invested in a timely manner and allow us to be able to make changes to the investments as the market or as the situation requires. So this product is in your best interest because it allows you to do so. It's lower in fees, so it means there's more money invested there for you.\n\nAnd it also means that, you know, we can make those changes as you sort of wanted us to, which is important as well. Okay?\n\nChannel 1: Mhmm. Yes. Mhmm.\n\nChannel 0: Perfect. Another good thing to kinda point out for you is that the CGT consequences so back on that fee comparison table there, we always double check what the CGT consequences are. And for moving into the SMA, your super fund would be expected to pay CDT, so capital gains tax of $891. So we've done this to try and minimize the capital gains tax as much as possible. Okay?\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yep. Perfect. Do you have any questions at the moment at all?\n\nChannel 1: No. I just no.\n\nChannel 0: No? That's\n\nChannel 1: I'll let you\n\nChannel 0: okay.\n\nChannel 1: know if my\n\nChannel 0: Yeah. That's okay. I try to run through this as easy as possible, but then you'll get some time to go back and have it read through the document as well.\n\nChannel 1: Yes.\n\nChannel 0: Above that, there are other disadvantages, the advantages, risks, and alternatives considered for you to look over. I go through some of those as part of this for you as I have, but there are others there. And it's often easier for you to go back after I've stopped talking to you and let you read through the document and take a little bit of it in as well. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That's okay. Underneath that on the next page there, you'll see the projection outcome. So, essentially, if the portfolio was able to get the return that we have seen over the past years, essentially, over the next sort of five to ten years, you can essentially see where you could end up. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Perfect. That's essentially the super recommendations there. We're not making any changes to the insurance side of things. So that is all factored into that projection table there. On the next page, we do have the beneficiary side of things.\n\nSo we did talk about making sure the beneficiaries are set up in the most tax effective way. So because your kids are nontax dependent, in the event that they were to receive your super and life proceeds after passing, they do pay tax. It's 15% plus the Medicare left piece up to 17% on the taxable component, so it can reduce the amount that they do or are able to receive. The most tax effective way to have these set up is to take your legal personal representative. So it just basically means that in the event of passing, if you have LPR attached to your super and your life insurance, the proceeds go directly through to your estate.\n\nThey get logged into your estate with everything else, so your house, your cars, and things like that. And through your will, in your body of your will, you would outline that you wanted the funds to be split and go to your children. The best way and the most tax effective way to do this is that through your will, you can have things like trust set up. You can, you know, have it set up so they get a certain amount. They can have an income set up on a regular basis.\n\nThey're not receiving a full lump sum. You can also have it set up so children receiving different amounts or different benefits. If you want your house to go to one part child or you want the money to go to another child. So there's\n\nChannel 1: Mhmm.\n\nChannel 0: different ways of setting it up that way, but having it directed through your will instead of direct to your kids can help alleviate and reduce some of the tax they have to pay on the benefit. And then it gives you a lot more control as to how you set your will up and how you have your estate paid out to your children as well. Okay?\n\nChannel 1: I can do\n\nChannel 0: Yeah.\n\nChannel 1: it. Cool.\n\nChannel 0: Beautiful. Do you have any questions about that at all, about the the setup or the beneficiaries or\n\nChannel 1: No. Not really. No.\n\nChannel 0: not beautiful. I mean, at the end of the day, this is kind of a a backup solution. We realistically want you to get to retirement, be able to draw down your income, and use it for you at the end of the day.\n\nChannel 1: Yes.\n\nChannel 0: But this is just kind of a backup. If something was to happen to you, this is sort of the best way to structure to make it easier for you. It is just important that you do have a will drawn up to factor in the amount of money that you get the funds that would need to come through and make sure that the will is drawn up so that you can distribute things the way you want them to.\n\nChannel 1: Yes.\n\nChannel 0: The nomination type we have there is the binding non lapsing. So that essentially binds the trustee to follow the direction, and non lapsing means you only have to fill out one form. So it makes it nice and easy, and that stays applied to the super and the last cover until you revoke or alter that nomination. Okay?\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Perfect. I have put in there for you advantages, disadvantages, risks, and alternatives considered there as well for you to run your eyes over. And I've also left in there below that essentially just making sure that you do have a will drawn up. We also do have solicitors we can refer you through to. They can review the will you do have and make suggestions to how best to struct sorry, how best to structure things for you.\n\nAnd, also, making sure our power of attorney is set up as well because it's not standard as part of every will. It is a\n\nChannel 1: Yes.\n\nChannel 0: separate document, and it's something I do see quite irregularly. A power of attorney might be missed. So, yeah, having one of those set up as well, making sure you've got someone that you trust to make decisions on your behalf, whether it be medical or financial, and making sure that they're aware that this is their obligation and these are what your wishes are. This is what you want to happen in the event that you're unable to make those decisions for yourself there. Okay?\n\nPerfect. That is essentially all the recommendations I needed to run through. When you get to the very end of the document there sorry. On page number 32, we do outline that this there is no upfront implementation fees for the advice. The advice is all provided to yourself as you're an ongoing client.\n\nIt's about them providing advice in your best interest as they're working towards your goals and trying to make sure we continue to do so and put you in the best possible position for retirement there. Because you are 51, I do this is sort of focusing on the next ten years there. But as we get closer to your retirement, it'd be great to look a bit deeper at your retirement aspect. Generally, when you're about sort of under two years out, we really sort of nut the advice down, look at the drawdown aspect. Are you eligible for Centrelink, how that works for you as well?\n\nSo we'll keep just reviewing things, doing catch up with you, and making sure that we update the advice as required.\n\nChannel 1: Mhmm.\n\nChannel 0: You do pay an ongoing service fee for our services of 1.65% that is noted in here as well. And we do receive remuneration from the insurance company. So we do receive 22% there ongoing of the insurance premiums paid by the insurer to us. However, it has no effect. So if the insurance has become too expensive or you need to reevaluate those, let me know.\n\nHappy to really do that with you. The remuneration is just another aspect of that. It has no effect on our recommendations in any way, shape, or form. It's all legislated across the board that every insurer pays us the exact same amount for the insurance premiums. The important thing with those insurances is they are also gonna get more expensive as you get older as well.\n\nSo we wanna sort of adjust those moving forward to make sure you're not it's not eating away too much of your super over time as\n\nChannel 1: Yeah. I think when we when we\n\nChannel 0: well.\n\nChannel 1: originally did it, we capped it at about five years\n\nChannel 0: Okay?\n\nChannel 1: because it was going\n\nChannel 0: Yeah.\n\nChannel 1: to start getting more and more to the point where it wasn't worth, you know, doing that anymore. And I was really concerned\n\nChannel 0: Absolutely.\n\nChannel 1: about the\n\nChannel 0: Yeah.\n\nChannel 1: the initial few years, which was, you know, the last couple of years and leading into this year as well. So\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: No.\n\nChannel 1: Just the\n\nChannel 0: Absolutely.\n\nChannel 1: things that are going on with the company. But that that obviously is gonna change. So\n\nChannel 0: Yeah. No. Absolutely. But no. Look.\n\nThat that's essentially all I have at the moment. I did wanna sort of double check as well. When would you like the next sort of catch up? Did you wanna do catch ups maybe every half yearly, every quarter? How often would you like to do catch ups with me at the moment moving forward?\n\nChannel 1: Totally is good.\n\nChannel 0: Quarterly is good? Beautiful. Every three months? Lovely. I'll pop that in the calendar there for you.\n\nMy lovely admin team member, Michelle, will give you a call and run through that one. So I will go back and add that to the calendar now. There we go. Beautiful. That's essentially all of the recommendations that we needed to run through.\n\nI will let you take it back and have a bit of a read through it. Let me know if you do happen to have any questions in relation to any other document or any other recommendations there. Happy to answer any questions that you might have. And if you are happy just to take on the recommendations, we'll just get you to sign and return it back there for me.\n\nChannel 1: Mhmm.\n\nChannel 0: Attached to the email, we've also got the appendices which runs the research we have. The financial services guide, which outlines everything about who we are, what we do, how we do it, has a lovely picture of me in there for you, and also notes everything about myself and my license number for you. And then we've also got any product disclosure statements related to the recommendations as well in case you wanted to run your eyes over those. Okay?\n\nChannel 1: Yeah. Okay. Now how do\n\nChannel 0: Beautiful.\n\nChannel 1: we get to the figure in retirement for a thousand dollars a week? Is that just based on what I've got and what what that's projected to be? Or is that that it's just I figured that was locked in system. How did that\n\nChannel 0: No. Yeah. So in one of the last conversations we had, it was just, you know, what are we averaging? What do you sort of wanna draw out on a weekly basis? You weren't a 100% sure, so we're just looking at, on average, about a thousand dollars a week aiming for at the moment.\n\nBut if you're at the moment, it doesn't really have a huge effect on the recommendations. But as you get closer to retirement, it will. If you feel like you would wanna draw more or less or change that amount in retirement, that's absolutely fine. Because, realistically, you are also renting the we will have to factor in the rent into the into your retirement as well because you will have to pay rent and continue unless you are able to purchase a property. But that's\n\nChannel 1: Yes.\n\nChannel 0: essentially just the the last amount we had noted that you were sorta averaging may have to or may want to draw down income wise at a super per week for retirement. That's flexible.\n\nChannel 1: Yeah.\n\nChannel 0: That can also change. Your retirement age is the same thing. You could decide to retire earlier, later. It's completely up to you. But this is very fluid at the moment, so we can absolutely work on a different retirement age and a different retirement income if you'd like as well.\n\nChannel 1: Yeah. I think, like, I don't have to because,\n\nChannel 0: Yeah.\n\nChannel 1: like, my rent's about to jump for where we are\n\nChannel 0: Yeah.\n\nChannel 1: now 540 a week. So\n\nChannel 0: Yeah.\n\nChannel 1: basic basically, it's going to be $600 a week for me.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: So when you look at that and then you're projecting the future with everything else that's going on, I just look\n\nChannel 0: Yeah.\n\nChannel 1: at it and go, is that even gonna be enough? You\n\nChannel 0: Yeah.\n\nChannel 1: know?\n\nChannel 0: No. Absolutely. When we kinda get about five years out, that's when I sort of really factor into the weekly income amount and really take into account the retirement projection. So when we get to about five years out, we'll really look at, you know, what age you wanna access super, what we're projecting to at the retirement age, are you eligible for Centrelink, and what kinda income you're gonna need because that's when we're really getting closer to it, and\n\nChannel 1: Sorry.\n\nChannel 0: that's where we\n\nChannel 1: Yeah.\n\nChannel 0: really need to consider those sorts of aspects. So, yeah, that's absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: Okay.\n\nChannel 0: Not a problem at all. Yeah. Give\n\nChannel 1: Okay.\n\nChannel 0: me something to\n\nChannel 1: Awesome.\n\nChannel 0: think about too, what you think you might want to might need to draw down or might need to live on in those years.\n\nChannel 1: It's hard it's hard to know.\n\nChannel 0: It\n\nChannel 1: And\n\nChannel 0: is.\n\nChannel 1: the other thing, I don't understand what SMA is.\n\nChannel 0: Yeah.\n\nChannel 1: So that\n\nChannel 0: You're\n\nChannel 1: was just\n\nChannel 0: right.\n\nChannel 1: technology\n\nChannel 0: Yeah.\n\nChannel 1: versus how I'm doing it at the moment. Like, I get that what we've got at the moment. We've got things locked in, and it gives you the ability to to move in. That that appeals to me, like, the fact that you\n\nChannel 0: Yeah.\n\nChannel 1: can move with the market and and adjusting. Because that's what it was explained to me\n\nChannel 0: Yeah.\n\nChannel 1: at the beginning was that you could adjust things as necessary without having to touch base with me, which\n\nChannel 0: Yes.\n\nChannel 1: absolutely I'm on board with\n\nChannel 0: Yeah.\n\nChannel 1: because you'll see things quicker than I'll notice things.\n\nChannel 0: Yes.\n\nChannel 1: And is that still gonna be in the next at least in the next five years still reasonably aggressive?\n\nChannel 0: It can be. So you can be in that high growth environment. Generally, we like to when you're about eight years away from retirement, it really starts to knock that down, but it all comes down to what you're comfortable with as well. So if you're comfortable and you've got, you know, five years to retirement, you wanna take on a little bit more risk, you absolutely can. I tend to, when you're about eight years away, start to maybe reduce that risk level a little bit.\n\nWe start to reduce it down in increments of 10%, so it's not a huge change, and we start to sort of do that for you. We can also, down the track, look at additional contributions so you don't have to take as much risk if you're putting more money into the market because you are, you know, helping to increase the amount that is invested, and that can help to increase the returns there as well. But you can stay in this higher growth environment for definitely a bit longer there. The the SMA stands for separately managed account. That's the essentially,\n\nChannel 1: Okay.\n\nChannel 0: a separately managed investment account where it's all the funds are pulled into that SMA. Think of it like Hub twenty four, your super fund. So the money goes into your super fund. The SMA is a very similar sort of vehicle. Within Hub twenty four, your money goes into the SMA, the separately managed account.\n\nThat is the investment vehicle. And from there, we can invest in the investment vehicle. And from there, we can invest funds in, you know, anywhere between 10 to 50 different investments options more if we need to so that smaller amounts of money are pulled together and invested in a way that's diversified. And it allows us to make changes to those investments without having to sort of call and go, hey. We need to move this product.\n\nWe need to move money out of here, and we need to do this. It can be altered without having to make those small changes so we can review those regularly. Does that help? Does that make a little\n\nChannel 1: Yeah.\n\nChannel 0: bit\n\nChannel 1: No.\n\nChannel 0: more\n\nChannel 1: No.\n\nChannel 0: sense? Yeah.\n\nChannel 1: Yeah. Yeah. That does. And so that that eliminates the the problems that we've obviously had and\n\nChannel 0: Yeah.\n\nChannel 1: seen with the Benelon\n\nChannel 0: Yeah.\n\nChannel 1: portion of Mars\n\nChannel 0: Yeah.\n\nChannel 1: with polio.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely. And, look, the idea of the the separately managed account the same as any investment is that markets are always gonna be going up and down. So we will see times where investments may not be performing as well as others, and we kinda pick and choose when we need to move out of those. Ben along had a really big issue with one of underlying, which basically meant that the market had gone back and reevaluated that investment as a whole, and it was deemed to be no longer a suitable investment. But if you think of something else like the S and P 500, if that was to take a bit of a dip, we still see the top 500 companies in The US as being a solid investment.\n\nIt's just that they're having a bit of a downtime at the moment. So it's\n\nChannel 1: Yes.\n\nChannel 0: about looking at the investments, why they're moving up and down, and is it still a solid investment? Does it do we see it coming back and still providing benefit to you, and this is the downtime we should take advantage of? Or is this investment no longer secure? We don't really think it's appropriate, and we need to remove you out of that investment. So it's about sort of weighing up those options when we look at why markets are moving and what's happening in those individual investments.\n\nDoes that answer\n\nChannel 1: Okay.\n\nChannel 0: the question a bit? Yeah.\n\nChannel 1: Yeah. Good. And how\n\nChannel 0: Yeah.\n\nChannel 1: often have I have I been if I've looked at and adjusted?\n\nChannel 0: So the investment committee do meet every quarter. That way, they can review what's happening. They can meet more regularly if the markets require them to do so, but most investment managers meet on a quarterly basis to reevaluate what's happening. Generally speaking, when there are big market changes, you kind of don't wanna make split decisions. You wanna make sure the investments are, you know, they are down because of a certain reason.\n\nSo you normally give them a length of time to see what they're doing. With Benelon, we probably waited about a month before we really sort of made a decision that it was definitely gonna be a problem and it wasn't gonna be, you know, resolved very, very quickly for them, and that we needed to move everybody out of that. But investment committee's always made every quarter unless it's a big, you know, big market change that they see something that could come out of it, and we need to meet a bit more\n\nChannel 1: Okay. And so basically, in summary, you feel that this is a good move for me, and this has got\n\nChannel 0: Yeah.\n\nChannel 1: more more advantages and disadvantages?\n\nChannel 0: Yeah. Absolutely. So it does mean that we can maneuver funds as we need to. The SMA is a good product. It is a little cheaper.\n\nSo, you know, making sure you have less in fees and more money invested is also a bit of a benefit there, and we're sort of working towards a goal. If we sort of catch up and find that it's not performing, it's not doing what we want it to, then we'll look at other options for you. The good thing about Hub is that we do have over, you know, 12 nearly 1,200 different investments that we can sort of choose from between Australian markets as well as overseas markets. So we have those options to maneuver those in the future. But at the moment, the estimate is a really great product.\n\nIt's lowering the amount of fees you're gonna have to pay. It has been performing really well. And then, basically, it's also looked after at a risk per set perspective as well. So because it is looked after by our investment committee as well as the BlackRock investment committee, we utilize their tools for navigating risk. And so the investment portfolio that's being built within this SMA product has been built to maximize diversification and to reduce the overall risk level that you're taking as well whilst trying to maximize the return.\n\nSo it definitely does provide a really good benefit for you moving forward. Yeah.\n\nChannel 1: And and this like, with everything that's going on, is this\n\nChannel 0: Mhmm.\n\nChannel 1: a smart idea at this time, or\n\nChannel 0: Yep.\n\nChannel 1: is this something that I really should be pausing on?\n\nChannel 0: Yeah. No. It is a it is a smart idea to jump into it now. Essentially, with the markets being up and down, by moving out of Bannalong, we are cementing the losses that Bannalong has seen. However, we are able to offset a lot of the gains as well by moving.\n\nSo taking the moment now and moving it now is a better decision than if we did this down the track because\n\nChannel 1: Okay.\n\nChannel 0: you are in your fifties. If we waited too long, you don't have as long to allow the compounding effect to begin again. So moving now means you've got that time ahead of you to allow your portfolio to recover, to start growing, and to start compounding moving forward. Okay?\n\nChannel 1: Yeah. I think that's what makes me nervous is the fact that every time I've made a change, I do see that massive dip. I'm in a very similar dip this year anyway because\n\nChannel 0: Yeah.\n\nChannel 1: of, luckily, what's going on. But I see that\n\nChannel 0: Yeah.\n\nChannel 1: back step, and it takes some time for it to really get moving again. I guess I'm still a little hesitant. Is that still the right move, or\n\nChannel 0: Yeah.\n\nChannel 1: should I just be, you know, pressing along? But this is suggesting that in ten years that I'd be better off by $90,000. Is that right?\n\nChannel 0: Yeah. Yeah. That's if you would get the right the same return that the market has provide or\n\nChannel 1: Yeah.\n\nChannel 0: this portfolio\n\nChannel 1: Obviously,\n\nChannel 0: has provided\n\nChannel 1: that's\n\nChannel 0: over the last five years. So, essentially, we don't expect to get that every year. We you know, some use, you might get a 15 or 20\n\nChannel 1: no.\n\nChannel 0: percent return. Some use, it might only be a five or 10% return. So this is kinda averaging. However, you could obtain a 15% return. Marcus could do all sorts of things.\n\nAnd at this time last year, we did not think we're gonna be here this year. So, you know, there's a lot of different factors there, but, essentially, the estimate does put you in front even if it's just looking at the the difference in the reduction of fees. And we know, overall, you're lowering the risk level as well. It's one of the big things that is our job is to try and mitigate risk as much as possible. So the SMA, with using BlackRock, they have what's called the Aladdin computer.\n\nAnd when the investment committee input the different investments, it fits at a level of risk and tells us how much risk that you're taking by having money invested in this and, you know, how much diversification you're getting and things like that. So, this SMA is helping to reduce the overall level of risk, reduce the fees there, and it can put you in a better position moving forward. So it\n\nChannel 1: Yes.\n\nChannel 0: is definitely better to try and do this now than to wait a few years down the track for sure. Yeah.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Oh, good.\n\nChannel 1: Awesome.\n\nChannel 0: And I'll be here to guide you. And if it's if it's not working for you, I will move you out of it just as quickly. Okay.\n\nChannel 1: Yeah. Yeah. Awesome. Okay. Perfect.\n\nChannel 0: That's okay. If you have any questions after you've read through the document, let me know. I know it can be a big decision to think it through, read the advantages, disadvantages, risks. And if you're not sure, well, you're welcome to let me know, and I'll make sure we do do those catch ups every quarter with you so we can help guide you along. Okay?\n\nChannel 1: Yes. That that's great. Awesome.\n\nChannel 0: Yeah. All good,\n\nChannel 1: Thank\n\nChannel 0: Natalie.\n\nChannel 1: you.\n\nChannel 0: Thank you for your time. I really appreciate it.\n\nChannel 1: Well, thank you so much, Dale, for putting that together for me.\n\nChannel 0: Anytime. Have a reach you and let me know if there's any questions that you might have. I am away over the Easter period, but I'm here all the way through till next Wednesday. So if there's anything in the meantime, let me know.\n\nChannel 1: Okay.\n\nChannel 0: Otherwise, I can always get the team to email me over the course of me being away, and I can get back to you as quickly as possible. Okay?\n\nChannel 1: No. I appreciate it. Yeah. Thank\n\nChannel 0: That's\n\nChannel 1: you.\n\nChannel 0: it. My\n\nChannel 1: Oh,\n\nChannel 0: pleasure.\n\nChannel 1: I hope you\n\nChannel 0: You\n\nChannel 1: have a lovely break too.\n\nChannel 0: thank you. Thank you. I hope you have a good Easter, and I hope you get some downtime.\n\nChannel 1: Yeah.\n\nChannel 0: I know it's a long weekend. It'll be nice.\n\nChannel 1: Yeah. I know. So looking forward to that.\n\nChannel 0: Yeah. No. Beautiful. Well, thank you so much for your time today. I hope you have a good rest of your day.\n\nAnd, again, let me know if there's anything you need. Okay?\n\nChannel 1: Yeah. Cheers. Thanks for that, Dana.\n\nChannel 0: My pleasure. I'll talk to you soon. Thanks, Natalie.\n\nChannel 1: Yep. Have\n\nChannel 0: See\n\nChannel 1: a good\n\nChannel 0: you.\n\nChannel 1: one. See you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":1.04,"end":1.5999999,"sentiment":"positive","sentiment_score":0.3637000173330307},{"text":"This is Dana.","start":1.5999999,"end":2.5,"sentiment":"neutral","sentiment_score":0.18861674269040427}],"sentiment":"neutral","sentiment_score":0.2586500525474548,"channel":0,"num_words":5,"start":1.04,"end":2.5},{"sentences":[{"text":"Hi, Dana.","start":3.4399998,"end":4.16,"sentiment":"neutral","sentiment_score":0.10055628418922424},{"text":"It's Natalie returning your 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all.","start":8.0,"end":9.28,"sentiment":"positive","sentiment_score":0.36891970038414},{"text":"Sometimes people screen the calls.","start":9.28,"end":10.719999,"sentiment":"neutral","sentiment_score":0.15288023352622987},{"text":"That's why we like to send try to call twice, and then we send a text message to make it a bit easier for you.","start":10.719999,"end":15.679999,"sentiment":"neutral","sentiment_score":0.2629389035701752},{"text":"But it's honestly not a problem at all.","start":15.679999,"end":17.815,"sentiment":"positive","sentiment_score":0.5014958642423153}],"sentiment":"neutral","sentiment_score":0.3055253009433332,"channel":0,"num_words":46,"start":7.2,"end":17.815},{"sentences":[{"text":"How's your day been?","start":17.815,"end":19.115,"sentiment":"neutral","sentiment_score":0.30134816467761993}],"sentiment":"neutral","sentiment_score":0.30134816467761993,"channel":0,"num_words":4,"start":17.815,"end":19.115},{"sentences":[{"text":"Oh, 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do have your advisees ready to go.","start":29.83,"end":31.99,"sentiment":"neutral","sentiment_score":0.17306417785584927},{"text":"Do you have access to your emails?","start":31.99,"end":34.57,"sentiment":"neutral","sentiment_score":0.054879087422575266},{"text":"Are you able to review the document as we're going through it?","start":34.79,"end":37.67,"sentiment":"neutral","sentiment_score":0.06087196245789528},{"text":"Or yep.","start":37.67,"end":39.51,"sentiment":"neutral","sentiment_score":0.02855362929403782},{"text":"Beautiful.","start":39.51,"end":39.989998,"sentiment":"positive","sentiment_score":0.6185507774353027}],"sentiment":"neutral","sentiment_score":0.10582628734409809,"channel":0,"num_words":30,"start":29.83,"end":39.989998},{"sentences":[{"text":"I'm just gonna send this one through to you there, Natalie.","start":39.989998,"end":42.41,"sentiment":"neutral","sentiment_score":0.3189199323003942},{"text":"I've just pressed send on the email 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if you decide that it's not enough and you do wanna look at increasing that, do let me know.","start":126.185,"end":130.58499,"sentiment":"neutral","sentiment_score":-0.15644076839089394},{"text":"I'm more","start":130.58499,"end":130.905,"sentiment":"neutral","sentiment_score":-0.024458409752696753}],"sentiment":"neutral","sentiment_score":-0.14444237215105782,"channel":0,"num_words":22,"start":126.185,"end":130.905},{"sentences":[{"text":"Mhmm.","start":130.8,"end":131.235,"sentiment":"neutral","sentiment_score":0.046707674860954285}],"sentiment":"neutral","sentiment_score":0.046707674860954285,"channel":1,"num_words":1,"start":130.8,"end":131.235},{"sentences":[{"text":"than happy to talk about it, look at what the options are.","start":130.905,"end":133.625,"sentiment":"neutral","sentiment_score":0.16187969160576662},{"text":"We'll reassess your health and see what kinda contracts might be 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what investments you would be invested in.","start":369.815,"end":373.015,"sentiment":"neutral","sentiment_score":-0.08746206263701121},{"text":"So for us to change those investments, we actually need to update advice.","start":373.015,"end":377.435,"sentiment":"neutral","sentiment_score":-0.0680791070828071}],"sentiment":"neutral","sentiment_score":-0.07600849799134514,"channel":0,"num_words":22,"start":369.815,"end":377.435},{"sentences":[{"text":"Right.","start":378.15002,"end":378.65002,"sentiment":"neutral","sentiment_score":-0.01343514397740364}],"sentiment":"neutral","sentiment_score":-0.01343514397740364,"channel":1,"num_words":1,"start":378.15002,"end":378.65002},{"sentences":[{"text":"So by moving into the SMA, that actually changes.","start":378.375,"end":382.18002,"sentiment":"neutral","sentiment_score":-0.002433372661471367},{"text":"So the SMA, essentially, in your super fund, you will see the bloom or the evergreen you'll see an SMA product with the amount of money you 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a worry.","start":575.15497,"end":576.055,"sentiment":"neutral","sentiment_score":0.15242211520671844},{"text":"The next page that outlines the about you section, I know your income is due to increase in the coming weeks there possibly as well.","start":576.75494,"end":583.77,"sentiment":"neutral","sentiment_score":0.07929127171635628}],"sentiment":"neutral","sentiment_score":0.0871267192331808,"channel":0,"num_words":28,"start":575.15497,"end":583.77},{"sentences":[{"text":"Yep.","start":584.425,"end":584.925,"sentiment":"neutral","sentiment_score":0.081600621342659}],"sentiment":"neutral","sentiment_score":0.081600621342659,"channel":1,"num_words":1,"start":584.425,"end":584.925},{"sentences":[{"text":"The rest of the information is based on the last fax line that we had there.","start":584.49,"end":587.85004,"sentiment":"neutral","sentiment_score":0.0763061095494777},{"text":"Is there anything else that should be sort of updated or changed, do you 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got nothing major noted, and then we've got your superannuation and insurances noted there as well with the current rates.","start":599.315,"end":606.915,"sentiment":"neutral","sentiment_score":0.10445933653549715},{"text":"Okay?","start":606.915,"end":607.415,"sentiment":"neutral","sentiment_score":0.09579644352197648}],"sentiment":"neutral","sentiment_score":0.09378248865942697,"channel":0,"num_words":37,"start":594.49,"end":607.415},{"sentences":[{"text":"Okay.","start":608.205,"end":608.705,"sentiment":"neutral","sentiment_score":0.1656118631362915}],"sentiment":"neutral","sentiment_score":0.1656118631362915,"channel":1,"num_words":1,"start":608.205,"end":608.705},{"sentences":[{"text":"Perfect.","start":609.15497,"end":609.65497,"sentiment":"positive","sentiment_score":0.33463239669799805},{"text":"Now the next couple of pages do so to start taking you to the recommendations.","start":610.115,"end":613.3,"sentiment":"neutral","sentiment_score":0.14784547090530395},{"text":"After the call, you're welcome to go back and have a really good read of things.","start":614.24,"end":617.44,"sentiment":"positive","sentiment_score":0.5312419384717941},{"text":"But to make it easier for you with the way I'm gonna present it to you, if you can just scroll directly down to page number 18 for me, this essentially outlines the recommendations we're making and the effect to show you.","start":617.44,"end":629.745,"sentiment":"positive","sentiment_score":0.33748101549489157},{"text":"Okay?","start":629.805,"end":630.305,"sentiment":"neutral","sentiment_score":0.12372967600822447}],"sentiment":"positive","sentiment_score":0.33800157070159914,"channel":0,"num_words":75,"start":609.15497,"end":630.305},{"sentences":[{"text":"Okay.","start":630.995,"end":631.495,"sentiment":"neutral","sentiment_score":0.2994322180747986}],"sentiment":"neutral","sentiment_score":0.2994322180747986,"channel":1,"num_words":1,"start":630.995,"end":631.495},{"sentences":[{"text":"Perfect.","start":631.885,"end":632.385,"sentiment":"positive","sentiment_score":0.6346566677093506},{"text":"So at the moment, you are in hub twenty four.","start":633.005,"end":635.245,"sentiment":"neutral","sentiment_score":0.11540473774075508},{"text":"We're not making any direct changes to the the super 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then","start":654.75,"end":659.385,"sentiment":"neutral","sentiment_score":0.10260217680650599}],"sentiment":"neutral","sentiment_score":0.07660288142191397,"channel":0,"num_words":37,"start":649.47003,"end":659.385},{"sentences":[{"text":"Mhmm.","start":659.30505,"end":659.80505,"sentiment":"neutral","sentiment_score":0.07673610746860504}],"sentiment":"neutral","sentiment_score":0.07673610746860504,"channel":1,"num_words":1,"start":659.30505,"end":659.80505},{"sentences":[{"text":"we're gonna move you into the OVF SMA blend.","start":659.385,"end":662.685,"sentiment":"neutral","sentiment_score":0.07903475562731425},{"text":"When we look at the way the high growth portfolio over the last five years, your current has averaged, and we know this is just what the investments have averaged.","start":663.145,"end":671.78,"sentiment":"neutral","sentiment_score":0.09801090620458126},{"text":"We know your return is completely different because then long hasn't been performing this year, and we know you don't get 48% exactly every year.","start":671.78,"end":679.06,"sentiment":"neutral","sentiment_score":0.049431720623979346},{"text":"So it's just taking all of the investments, looking at what the returns were over the past five years, and then averaging them out for you.","start":679.06,"end":685.30005,"sentiment":"neutral","sentiment_score":0.1540272353360286},{"text":"Okay?","start":685.30005,"end":685.80005,"sentiment":"neutral","sentiment_score":0.08408699184656143}],"sentiment":"neutral","sentiment_score":0.09863986937325335,"channel":0,"num_words":91,"start":659.385,"end":685.80005},{"sentences":[{"text":"Yes.","start":686.375,"end":686.875,"sentiment":"neutral","sentiment_score":0.206870436668396}],"sentiment":"neutral","sentiment_score":0.206870436668396,"channel":1,"num_words":1,"start":686.375,"end":686.875},{"sentences":[{"text":"With the SMA blend there, you can actually see that the past five year rolling average has averaged a little bit higher than what your 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product.","start":707.74,"end":713.68,"sentiment":"neutral","sentiment_score":-0.08405698351562023},{"text":"Sorry.","start":713.845,"end":714.165,"sentiment":"neutral","sentiment_score":-0.07793829590082169}],"sentiment":"neutral","sentiment_score":0.22757917586513746,"channel":0,"num_words":93,"start":687.195,"end":714.165},{"sentences":[{"text":"Out of the choice product and into the core product.","start":714.165,"end":715.845,"sentiment":"neutral","sentiment_score":-0.09036510437726974},{"text":"So we just change the product within hub 24 that you have.","start":715.845,"end":718.825,"sentiment":"neutral","sentiment_score":0.11204735065499942},{"text":"And by doing that, it actually reduces the administration fees.","start":718.965,"end":722.185,"sentiment":"neutral","sentiment_score":0.22336947470903395},{"text":"So","start":722.485,"end":722.725,"sentiment":"neutral","sentiment_score":0.0898202508687973}],"sentiment":"neutral","sentiment_score":0.08377067157716463,"channel":0,"num_words":33,"start":714.165,"end":722.725},{"sentences":[{"text":"Mhmm.","start":722.71497,"end":723.21497,"sentiment":"neutral","sentiment_score":0.007371116429567337}],"sentiment":"neutral","sentiment_score":0.007371116429567337,"channel":1,"num_words":1,"start":722.71497,"end":723.21497},{"sentences":[{"text":"currently, you're paying about $13.32.","start":722.725,"end":725.385,"sentiment":"neutral","sentiment_score":0.010428928025066852},{"text":"By changing the product in hub 24 and moving into the SMA, we can reduce your administration fees by about a $180 for the year, which is a benefit.","start":725.685,"end":734.02,"sentiment":"positive","sentiment_score":0.35774485304437836},{"text":"Okay?","start":734.24,"end":734.74,"sentiment":"positive","sentiment_score":0.3530803918838501},{"text":"With the investment fees there by moving into the SMA, instead of paying the $19.26, we can reduce your investment fees by about $238 for the year as well.","start":736.08,"end":745.955,"sentiment":"positive","sentiment_score":0.40968728990390385},{"text":"So that's essentially giving you a little bit more money invested, working harder for you, paying a little bit less in fees, which is important as 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interest duty on all of these.","start":868.60004,"end":873.0,"sentiment":"neutral","sentiment_score":0.007811238989233971},{"text":"So the the recommendation has been noted in your","start":873.0,"end":875.64,"sentiment":"neutral","sentiment_score":0.06330004872547255}],"sentiment":"neutral","sentiment_score":0.004630147315123502,"channel":0,"num_words":34,"start":866.585,"end":875.64},{"sentences":[{"text":"Alright.","start":875.63,"end":876.13,"sentiment":"neutral","sentiment_score":0.13073766231536865}],"sentiment":"neutral","sentiment_score":0.13073766231536865,"channel":1,"num_words":1,"start":875.63,"end":876.13},{"sentences":[{"text":"best interest as your goal is to stay where you're super.","start":875.64,"end":878.22003,"sentiment":"neutral","sentiment_score":0.27351694621823053},{"text":"Can be you want it working harder towards retiring age 67 currently with a target income, we're working on about a thousand dollars on a weekly basis 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often easier for you to go back after I've stopped talking to you and let you read through the document and take a little bit of it in as well.","start":963.85,"end":971.78503,"sentiment":"neutral","sentiment_score":0.13947435468435287},{"text":"Yeah.","start":972.005,"end":972.505,"sentiment":"neutral","sentiment_score":0.12781396508216858}],"sentiment":"neutral","sentiment_score":0.02911746177290167,"channel":0,"num_words":70,"start":953.53,"end":972.505},{"sentences":[{"text":"Yeah.","start":972.365,"end":972.865,"sentiment":"neutral","sentiment_score":0.18017588555812836},{"text":"Yeah.","start":973.08496,"end":973.58496,"sentiment":"neutral","sentiment_score":0.2703072428703308}],"sentiment":"neutral","sentiment_score":0.22524156421422958,"channel":1,"num_words":2,"start":972.365,"end":973.58496},{"sentences":[{"text":"That's okay.","start":973.60504,"end":974.585,"sentiment":"positive","sentiment_score":0.42410849034786224},{"text":"Underneath that on the next page there, you'll 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tax.","start":1009.79,"end":1018.695,"sentiment":"neutral","sentiment_score":0.29802234126971316},{"text":"It's 15% plus the Medicare left piece up to 17% on the taxable component, so it can reduce the amount that they do or are able to receive.","start":1018.775,"end":1027.515,"sentiment":"neutral","sentiment_score":0.2620731618787561},{"text":"The most tax effective way to have these set up is to take your legal personal representative.","start":1028.135,"end":1033.3401,"sentiment":"neutral","sentiment_score":0.3038525616421419},{"text":"So it just basically means that in the event of passing, if you have LPR attached to your super and your life insurance, the proceeds go directly through to your estate.","start":1033.64,"end":1044.045,"sentiment":"neutral","sentiment_score":0.22241238961296697}],"sentiment":"neutral","sentiment_score":0.2816714016099771,"channel":0,"num_words":120,"start":1005.07,"end":1044.045},{"sentences":[{"text":"They get logged into your estate with everything else, so your house, your cars, and things like that.","start":1044.125,"end":1048.6051,"sentiment":"neutral","sentiment_score":0.22429558634757996},{"text":"And through your will, in your body of your will, you would outline that you wanted the funds to be split and go to your children.","start":1048.6051,"end":1055.425,"sentiment":"neutral","sentiment_score":0.2505469173192978},{"text":"The best way and the most tax effective way to do this is that through your will, you can have things like trust set up.","start":1055.7251,"end":1061.76,"sentiment":"positive","sentiment_score":0.35976550161838533},{"text":"You can, you know, have it set up so they get a certain amount.","start":1061.76,"end":1064.8,"sentiment":"neutral","sentiment_score":0.11947270269904818},{"text":"They can have an income set up on a regular basis.","start":1064.8,"end":1067.52,"sentiment":"neutral","sentiment_score":0.15187826481732455}],"sentiment":"neutral","sentiment_score":0.24349953931696872,"channel":0,"num_words":94,"start":1044.125,"end":1067.52},{"sentences":[{"text":"They're not receiving a full lump sum.","start":1067.52,"end":1069.4401,"sentiment":"neutral","sentiment_score":0.14312564262322017},{"text":"You can also have it set up so children receiving different amounts or different benefits.","start":1069.4401,"end":1073.54,"sentiment":"neutral","sentiment_score":0.12603276719649634},{"text":"If you want your house to go to one part child or you want the money to go to another child.","start":1073.565,"end":1078.065,"sentiment":"neutral","sentiment_score":0.11713377102499917},{"text":"So there's","start":1078.5249,"end":1079.1649,"sentiment":"neutral","sentiment_score":0.16168083250522614}],"sentiment":"neutral","sentiment_score":0.12612315250767603,"channel":0,"num_words":45,"start":1067.52,"end":1079.1649},{"sentences":[{"text":"Mhmm.","start":1078.955,"end":1079.31,"sentiment":"neutral","sentiment_score":0.15452557802200317}],"sentiment":"neutral","sentiment_score":0.15452557802200317,"channel":1,"num_words":1,"start":1078.955,"end":1079.31},{"sentences":[{"text":"different ways of setting it up that way, but having it directed through your will instead of direct to your kids can help alleviate and reduce some of the tax they have to pay on the benefit.","start":1079.1649,"end":1088.065,"sentiment":"neutral","sentiment_score":0.29644365306641607},{"text":"And then it gives you a lot more control as to how you set your will up and how you have your estate paid out to your children as well.","start":1088.59,"end":1096.1299,"sentiment":"positive","sentiment_score":0.45982613960901897},{"text":"Okay?","start":1096.19,"end":1096.69,"sentiment":"neutral","sentiment_score":0.11196684837341309}],"sentiment":"positive","sentiment_score":0.36581126764854965,"channel":0,"num_words":68,"start":1079.1649,"end":1096.69},{"sentences":[{"text":"I can do","start":1097.355,"end":1097.915,"sentiment":"neutral","sentiment_score":0.15572681526343027}],"sentiment":"neutral","sentiment_score":0.15572681526343027,"channel":1,"num_words":3,"start":1097.355,"end":1097.915},{"sentences":[{"text":"Yeah.","start":1097.7899,"end":1098.2899,"sentiment":"neutral","sentiment_score":0.21628586947917935}],"sentiment":"neutral","sentiment_score":0.21628586947917935,"channel":0,"num_words":1,"start":1097.7899,"end":1098.2899},{"sentences":[{"text":"it.","start":1097.915,"end":1098.0751,"sentiment":"positive","sentiment_score":0.3358433246612549},{"text":"Cool.","start":1098.0751,"end":1098.5751,"sentiment":"positive","sentiment_score":0.7176246047019958}],"sentiment":"positive","sentiment_score":0.5267339646816254,"channel":1,"num_words":2,"start":1097.915,"end":1098.5751},{"sentences":[{"text":"Beautiful.","start":1098.59,"end":1099.09,"sentiment":"positive","sentiment_score":0.6939188838005066},{"text":"Do you have any questions about that at all, about the the setup or the beneficiaries or","start":1099.47,"end":1104.345,"sentiment":"neutral","sentiment_score":0.08015801637049984}],"sentiment":"neutral","sentiment_score":0.11425584233883354,"channel":0,"num_words":18,"start":1098.59,"end":1104.345},{"sentences":[{"text":"No.","start":1104.9551,"end":1105.275,"sentiment":"neutral","sentiment_score":-0.12196742743253708},{"text":"Not really.","start":1105.275,"end":1105.995,"sentiment":"neutral","sentiment_score":-0.22509979456663132},{"text":"No.","start":1105.995,"end":1106.49,"sentiment":"negative","sentiment_score":-0.3696863651275635}],"sentiment":"neutral","sentiment_score":-0.2354633454233408,"channel":1,"num_words":4,"start":1104.9551,"end":1106.49},{"sentences":[{"text":"not beautiful.","start":1106.085,"end":1106.965,"sentiment":"neutral","sentiment_score":-0.3185350224375725},{"text":"I mean, at the end of the day, this is kind of a a backup solution.","start":1106.965,"end":1110.085,"sentiment":"neutral","sentiment_score":0.06923345476388931},{"text":"We realistically want you to get to retirement, be able to draw down your income, and use it for you at the end of the day.","start":1110.085,"end":1115.4,"sentiment":"neutral","sentiment_score":0.17980976689320344}],"sentiment":"neutral","sentiment_score":0.11694816296750848,"channel":0,"num_words":44,"start":1106.085,"end":1115.4},{"sentences":[{"text":"Yes.","start":1115.85,"end":1116.35,"sentiment":"neutral","sentiment_score":0.13052204251289368}],"sentiment":"neutral","sentiment_score":0.13052204251289368,"channel":1,"num_words":1,"start":1115.85,"end":1116.35},{"sentences":[{"text":"But this is just kind of a backup.","start":1115.88,"end":1117.24,"sentiment":"neutral","sentiment_score":0.17263862863183022},{"text":"If something was to happen to you, this is sort of the best way to structure to make it easier for you.","start":1117.24,"end":1122.3,"sentiment":"neutral","sentiment_score":0.2664858102798462},{"text":"It is just important that you do have a will drawn up to factor in the amount of money that you get the funds that would need to come through and make sure that the will is drawn up so that you can distribute things the way you want them to.","start":1122.6,"end":1134.315,"sentiment":"neutral","sentiment_score":0.21487394267437504}],"sentiment":"neutral","sentiment_score":0.22472059174820228,"channel":0,"num_words":81,"start":1115.88,"end":1134.315},{"sentences":[{"text":"Yes.","start":1134.915,"end":1135.415,"sentiment":"neutral","sentiment_score":0.10281307995319366}],"sentiment":"neutral","sentiment_score":0.10281307995319366,"channel":1,"num_words":1,"start":1134.915,"end":1135.415},{"sentences":[{"text":"The nomination type we have there is the binding non lapsing.","start":1135.095,"end":1138.135,"sentiment":"neutral","sentiment_score":0.1103484569625421},{"text":"So that essentially binds the trustee to follow the direction, and non lapsing means you only have to fill out one form.","start":1138.135,"end":1144.19,"sentiment":"neutral","sentiment_score":0.16069457138126547},{"text":"So it makes it nice and easy, and that stays applied to the super and the last cover until you revoke or alter that nomination.","start":1144.19,"end":1150.61,"sentiment":"neutral","sentiment_score":0.21551491796970368},{"text":"Okay?","start":1151.07,"end":1151.57,"sentiment":"neutral","sentiment_score":0.05717301741242409}],"sentiment":"neutral","sentiment_score":0.17278236548526812,"channel":0,"num_words":59,"start":1135.095,"end":1151.57},{"sentences":[{"text":"Mhmm.","start":1151.525,"end":1152.025,"sentiment":"neutral","sentiment_score":0.05314430221915245},{"text":"Okay.","start":1152.165,"end":1152.665,"sentiment":"neutral","sentiment_score":0.17549043893814087}],"sentiment":"neutral","sentiment_score":0.11431737057864666,"channel":1,"num_words":2,"start":1151.525,"end":1152.665},{"sentences":[{"text":"Perfect.","start":1153.23,"end":1153.73,"sentiment":"positive","sentiment_score":0.39318716526031494},{"text":"I have put in there for you advantages, disadvantages, risks, and alternatives considered there as well for you to run your eyes over.","start":1154.445,"end":1160.845,"sentiment":"neutral","sentiment_score":0.14831147018982016},{"text":"And I've also left in there below that essentially just making sure that you do have a will drawn up.","start":1160.845,"end":1166.19,"sentiment":"neutral","sentiment_score":0.1211556738242507},{"text":"We also do have solicitors we can refer you through to.","start":1166.75,"end":1169.3899,"sentiment":"neutral","sentiment_score":0.18558949638496747},{"text":"They can review the will you do have and make suggestions to how best to struct sorry, how best to structure things for you.","start":1169.3899,"end":1176.45,"sentiment":"neutral","sentiment_score":0.21862120615939298}],"sentiment":"neutral","sentiment_score":0.17108680840723123,"channel":0,"num_words":79,"start":1153.23,"end":1176.45},{"sentences":[{"text":"And, also, making sure our power of attorney is set up as well because it's not standard as part of every will.","start":1176.6699,"end":1181.4099,"sentiment":"neutral","sentiment_score":0.05722980937835845},{"text":"It is a","start":1182.225,"end":1182.705,"sentiment":"neutral","sentiment_score":0.022349053372939427}],"sentiment":"neutral","sentiment_score":0.05304411865770817,"channel":0,"num_words":25,"start":1176.6699,"end":1182.705},{"sentences":[{"text":"Yes.","start":1182.605,"end":1183.105,"sentiment":"neutral","sentiment_score":0.0408087745308876}],"sentiment":"neutral","sentiment_score":0.0408087745308876,"channel":1,"num_words":1,"start":1182.605,"end":1183.105},{"sentences":[{"text":"separate document, and it's something I do see quite irregularly.","start":1182.705,"end":1186.725,"sentiment":"neutral","sentiment_score":-0.047987211309373376},{"text":"A power of attorney might be missed.","start":1186.865,"end":1189.105,"sentiment":"neutral","sentiment_score":-0.22210524550506047},{"text":"So, yeah, having one of those set up as well, making sure you've got someone that you trust to make decisions on your behalf, whether it be medical or financial, and making sure that they're aware that this is their obligation and these are what your wishes are.","start":1189.105,"end":1202.02,"sentiment":"neutral","sentiment_score":0.21281277233113846},{"text":"This is what you want to happen in the event that you're unable to make those decisions for yourself there.","start":1202.02,"end":1207.0801,"sentiment":"neutral","sentiment_score":0.02722341911867261},{"text":"Okay?","start":1207.14,"end":1207.64,"sentiment":"neutral","sentiment_score":0.2476794272661209}],"sentiment":"neutral","sentiment_score":0.10433200058029142,"channel":0,"num_words":86,"start":1182.705,"end":1207.64},{"sentences":[{"text":"Perfect.","start":1209.3,"end":1209.8,"sentiment":"positive","sentiment_score":0.6807445883750916},{"text":"That is essentially all the recommendations I needed to run through.","start":1210.42,"end":1213.815,"sentiment":"positive","sentiment_score":0.48963363062251697},{"text":"When you get to the very end of the document there sorry.","start":1213.815,"end":1216.955,"sentiment":"neutral","sentiment_score":0.1270467427869638},{"text":"On page number 32, we do outline that this there is no upfront implementation fees for the advice.","start":1218.0549,"end":1223.895,"sentiment":"neutral","sentiment_score":0.16557563758558697},{"text":"The advice is all provided to yourself as you're an ongoing client.","start":1223.895,"end":1227.89,"sentiment":"positive","sentiment_score":0.4631744797031085}],"sentiment":"neutral","sentiment_score":0.29869871614155946,"channel":0,"num_words":54,"start":1209.3,"end":1227.89},{"sentences":[{"text":"It's about them providing advice in your best interest as they're working towards your goals and trying to make sure we continue to do so and put you in the best possible position for retirement there.","start":1227.89,"end":1237.27,"sentiment":"positive","sentiment_score":0.5868989047076967},{"text":"Because you are 51, I do this is sort of focusing on the next ten years there.","start":1237.49,"end":1241.385,"sentiment":"neutral","sentiment_score":0.1973719421555014},{"text":"But as we get closer to your retirement, it'd be great to look a bit deeper at your retirement aspect.","start":1241.385,"end":1246.8451,"sentiment":"neutral","sentiment_score":0.0642139419913292},{"text":"Generally, when you're about sort of under two years out, we really sort of nut the advice down, look at the drawdown aspect.","start":1246.985,"end":1252.745,"sentiment":"neutral","sentiment_score":0.12589930840160535},{"text":"Are you eligible for Centrelink, how that works for you as 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ups with me at the moment moving forward?","start":1354.175,"end":1357.635,"sentiment":"neutral","sentiment_score":0.02445305814035237}],"sentiment":"neutral","sentiment_score":0.010950752766802907,"channel":0,"num_words":56,"start":1343.28,"end":1357.635},{"sentences":[{"text":"Totally is good.","start":1358.81,"end":1359.9501,"sentiment":"neutral","sentiment_score":0.26616976658503216}],"sentiment":"neutral","sentiment_score":0.26616976658503216,"channel":1,"num_words":3,"start":1358.81,"end":1359.9501},{"sentences":[{"text":"Quarterly is good?","start":1360.255,"end":1361.055,"sentiment":"neutral","sentiment_score":0.190361758073171},{"text":"Beautiful.","start":1361.055,"end":1361.555,"sentiment":"neutral","sentiment_score":0.26855388283729553},{"text":"Every three 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have.","start":1387.6849,"end":1390.025,"sentiment":"positive","sentiment_score":0.4208966725402408},{"text":"And if you are happy just to take on the recommendations, we'll just get you to sign and return it back there for me.","start":1390.325,"end":1395.225,"sentiment":"positive","sentiment_score":0.5975987973312537}],"sentiment":"positive","sentiment_score":0.397353695521892,"channel":0,"num_words":71,"start":1378.67,"end":1395.225},{"sentences":[{"text":"Mhmm.","start":1395.605,"end":1396.105,"sentiment":"neutral","sentiment_score":0.12153612822294237}],"sentiment":"neutral","sentiment_score":0.12153612822294237,"channel":1,"num_words":1,"start":1395.605,"end":1396.105},{"sentences":[{"text":"Attached to the email, we've also got the appendices which runs the research we have.","start":1396.085,"end":1400.81,"sentiment":"neutral","sentiment_score":0.18878990908463797},{"text":"The financial services guide, which outlines everything about who we are, what we do, how we do it, has a lovely picture of me in there for you, and also notes everything about myself and my license number for you.","start":1401.03,"end":1412.3301,"sentiment":"positive","sentiment_score":0.4320456013083458},{"text":"And then we've also got any product disclosure statements related to the recommendations as well in case you wanted to run your eyes over those.","start":1412.835,"end":1419.575,"sentiment":"neutral","sentiment_score":0.1656739231944084},{"text":"Okay?","start":1419.635,"end":1420.135,"sentiment":"neutral","sentiment_score":0.08766061067581177}],"sentiment":"neutral","sentiment_score":0.30053310344616574,"channel":0,"num_words":81,"start":1396.085,"end":1420.135},{"sentences":[{"text":"Yeah.","start":1420.1649,"end":1420.485,"sentiment":"neutral","sentiment_score":0.09696152061223984},{"text":"Okay.","start":1420.485,"end":1420.985,"sentiment":"neutral","sentiment_score":0.11966577172279358},{"text":"Now how 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at the moment.","start":1576.15,"end":1577.99,"sentiment":"neutral","sentiment_score":-0.027046727831475437},{"text":"Like, I get that what we've got at the moment.","start":1577.99,"end":1579.83,"sentiment":"neutral","sentiment_score":0.0411728274077177},{"text":"We've got things locked in, and it gives you the ability to to move in.","start":1579.83,"end":1584.63,"sentiment":"neutral","sentiment_score":0.17397741824388505},{"text":"That that appeals to me, like, the fact that you","start":1584.63,"end":1586.735,"sentiment":"neutral","sentiment_score":0.3294234871864319}],"sentiment":"neutral","sentiment_score":0.14184303713832483,"channel":1,"num_words":43,"start":1576.15,"end":1586.735},{"sentences":[{"text":"Yeah.","start":1586.725,"end":1587.225,"sentiment":"neutral","sentiment_score":0.25562015175819397}],"sentiment":"neutral","sentiment_score":0.25562015175819397,"channel":0,"num_words":1,"start":1586.725,"end":1587.225},{"sentences":[{"text":"can move with the market and and adjusting.","start":1586.735,"end":1588.8351,"sentiment":"neutral","sentiment_score":0.24421816132962704},{"text":"Because that's what it was explained to me","start":1590.3351,"end":1591.6951,"sentiment":"neutral","sentiment_score":0.2072176542133093}],"sentiment":"neutral","sentiment_score":0.22571790777146816,"channel":1,"num_words":16,"start":1586.735,"end":1591.6951},{"sentences":[{"text":"Yeah.","start":1591.54,"end":1592.04,"sentiment":"neutral","sentiment_score":0.1999289393424988}],"sentiment":"neutral","sentiment_score":0.1999289393424988,"channel":0,"num_words":1,"start":1591.54,"end":1592.04},{"sentences":[{"text":"at the beginning was that you could adjust things as necessary without having to touch base with me, 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see things quicker than I'll notice things.","start":1599.775,"end":1602.83,"sentiment":"positive","sentiment_score":0.5921948187881045}],"sentiment":"positive","sentiment_score":0.5921948187881045,"channel":1,"num_words":9,"start":1599.775,"end":1602.83},{"sentences":[{"text":"Yes.","start":1603.22,"end":1603.72,"sentiment":"neutral","sentiment_score":0.27611687779426575}],"sentiment":"neutral","sentiment_score":0.27611687779426575,"channel":0,"num_words":1,"start":1603.22,"end":1603.72},{"sentences":[{"text":"And is that still gonna be in the next at least in the next five years still reasonably aggressive?","start":1604.1699,"end":1608.6699,"sentiment":"neutral","sentiment_score":0.09805349417422947}],"sentiment":"neutral","sentiment_score":0.09805349417422947,"channel":1,"num_words":19,"start":1604.1699,"end":1608.6699},{"sentences":[{"text":"It can be.","start":1610.115,"end":1610.835,"sentiment":"neutral","sentiment_score":0.1324737717707952},{"text":"So you can be in that high growth environment.","start":1610.835,"end":1613.175,"sentiment":"neutral","sentiment_score":0.21843087507618797},{"text":"Generally, we like to when you're about eight years away from retirement, it really starts to knock that down, but it all comes down to what you're comfortable with as well.","start":1613.795,"end":1620.4199,"sentiment":"neutral","sentiment_score":0.14539743611408817},{"text":"So if you're comfortable and you've got, you know, five years to retirement, you wanna take on a little bit more risk, you absolutely can.","start":1620.4199,"end":1627.0,"sentiment":"neutral","sentiment_score":0.2898376414179802},{"text":"I tend to, when you're about eight years away, start to maybe reduce that risk level a little bit.","start":1627.46,"end":1631.86,"sentiment":"neutral","sentiment_score":0.16394527178061635}],"sentiment":"neutral","sentiment_score":0.19806345873351755,"channel":0,"num_words":87,"start":1610.115,"end":1631.86},{"sentences":[{"text":"We start to reduce it 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all the way through till next Wednesday.","start":2116.7,"end":2120.715,"sentiment":"neutral","sentiment_score":-0.032198514282593835},{"text":"So if there's anything in the meantime, let me know.","start":2120.715,"end":2122.975,"sentiment":"neutral","sentiment_score":0.0011533828452229501}],"sentiment":"neutral","sentiment_score":0.09884531523460861,"channel":0,"num_words":44,"start":2113.1,"end":2122.975},{"sentences":[{"text":"Okay.","start":2123.3599,"end":2123.8599,"sentiment":"neutral","sentiment_score":0.06100274622440338}],"sentiment":"neutral","sentiment_score":0.06100274622440338,"channel":1,"num_words":1,"start":2123.3599,"end":2123.8599},{"sentences":[{"text":"Otherwise, I can always get the team to email me over the course of me being away, and I can get back to you as quickly as 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Easter, and I hope you get some downtime.","start":2136.5999,"end":2139.88,"sentiment":"positive","sentiment_score":0.6234793535300663}],"sentiment":"positive","sentiment_score":0.6356149613857269,"channel":0,"num_words":18,"start":2135.32,"end":2139.88},{"sentences":[{"text":"Yeah.","start":2139.615,"end":2140.115,"sentiment":"neutral","sentiment_score":0.3029139041900635}],"sentiment":"neutral","sentiment_score":0.3029139041900635,"channel":1,"num_words":1,"start":2139.615,"end":2140.115},{"sentences":[{"text":"I know it's a long weekend.","start":2139.88,"end":2141.16,"sentiment":"neutral","sentiment_score":0.3264557619889577},{"text":"It'll be 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again, let me know if there's anything you need.","start":2150.335,"end":2152.575,"sentiment":"positive","sentiment_score":0.40842320024967194},{"text":"Okay?","start":2152.575,"end":2153.075,"sentiment":"neutral","sentiment_score":0.23578080534935}],"sentiment":"positive","sentiment_score":0.3927284370769154,"channel":0,"num_words":11,"start":2150.335,"end":2153.075},{"sentences":[{"text":"Yeah.","start":2152.94,"end":2153.44,"sentiment":"neutral","sentiment_score":0.2911108732223511},{"text":"Cheers.","start":2153.5,"end":2153.8198,"sentiment":"positive","sentiment_score":0.5649222135543823},{"text":"Thanks for that, Dana.","start":2153.8198,"end":2154.96,"sentiment":"positive","sentiment_score":0.7542075514793396}],"sentiment":"positive","sentiment_score":0.6454772154490153,"channel":1,"num_words":6,"start":2152.94,"end":2154.96},{"sentences":[{"text":"My pleasure.","start":2155.2148,"end":2155.9348,"sentiment":"positive","sentiment_score":0.7429740726947784},{"text":"I'll talk to you soon.","start":2155.9348,"end":2156.8948,"sentiment":"positive","sentiment_score":0.549141925573349},{"text":"Thanks, Natalie.","start":2156.8948,"end":2157.795,"sentiment":"positive","sentiment_score":0.5649167001247406}],"sentiment":"positive","sentiment_score":0.5957212415006425,"channel":0,"num_words":9,"start":2155.2148,"end":2157.795},{"sentences":[{"text":"Yep.","start":2157.3208,"end":2157.8208,"sentiment":"neutral","sentiment_score":0.3124421536922455},{"text":"Have","start":2158.201,"end":2158.441,"sentiment":"positive","sentiment_score":0.3395756781101227}],"sentiment":"neutral","sentiment_score":0.3260089159011841,"channel":1,"num_words":2,"start":2157.3208,"end":2158.441},{"sentences":[{"text":"See","start":2158.335,"end":2158.575,"sentiment":"positive","sentiment_score":0.3830065429210663}],"sentiment":"positive","sentiment_score":0.3830065429210663,"channel":0,"num_words":1,"start":2158.335,"end":2158.575},{"sentences":[{"text":"a 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you.","start":2159.161,"end":2159.401,"sentiment":"neutral","sentiment_score":0.3246411234140396},{"text":"Bye.","start":2159.401,"end":2159.901,"sentiment":"neutral","sentiment_score":0.1908067911863327}],"sentiment":"neutral","sentiment_score":0.28027719631791115,"channel":1,"num_words":4,"start":2158.761,"end":2159.901},{"sentences":[{"text":"Bye.","start":2159.4548,"end":2159.9548,"sentiment":"neutral","sentiment_score":-0.0946827381849289}],"sentiment":"neutral","sentiment_score":-0.0946827381849289,"channel":0,"num_words":1,"start":2159.4548,"end":2159.9548}]},"summary":{"result":"success","short":"The speaker discusses the benefits of a new job and potential changes to insurance coverage, including updating investment choices and avoiding market volatility. They provide guidance on accessing documents and staying in the process, emphasizing the importance of avoiding market volatility and maximizing return. The speaker emphasizes the importance of staying at the super and reducing risk for retirement, and provides information on setting up beneficiaries and the proper way to do it. They also discuss the benefits of moving into a choice product and reducing fees, and emphasize the importance of weighing options when making changes to investments. The speaker emphasizes the need for flexibility in retirement age and offers assistance for follow-up."},"intents":{"segments":[{"text":"So I think one of the questions there was how this might affect your insurances. Realistically, your life and TPD, there's no issue there. There's no Mhmm. issue with your insurances whatsoever. The main sort of thing comes down to the income protection side of it.","start_word":251,"end_word":296,"intents":[{"intent":"Evaluate insurance decisions","confidence_score":0.00011483811}]},{"text":"So when you do get that new job and you've got the higher income there, we may need to just reevaluate the income protection side of things for you to see if we may maybe need to increase that or whether that level of income protection is still gonna be sufficient for your Yeah.","start_word":298,"end_word":351,"intents":[{"intent":"Evaluate income protection","confidence_score":0.65776527},{"intent":"Reduce income","confidence_score":0.011172861}]},{"text":"than happy to talk about it, look at what the options are. We'll reassess your health and see what kinda contracts might be offered. Because if you were on a claim, we don't want you to be underinsured and not, you know, too much that's really affecting your life. And, look, there are other options that we can look at as well.","start_word":449,"end_word":510,"intents":[{"intent":"Consider options","confidence_score":0.050701767},{"intent":"Consider options","confidence_score":0.13423418}]},{"text":"We'll reassess your health and see what kinda contracts might be offered. Because if you were on a claim, we don't want you to be underinsured and not, you know, too much that's really affecting your life.","start_word":461,"end_word":497,"intents":[{"intent":"Evaluate health","confidence_score":0.11166721}]},{"text":"So if you don't wanna increase the insurances, we can always look at whether you've got some money in cash flow outside of super, maybe set up a savings and start building a a bit of a buffer with savings there, or we can invest money for the future as well. And those sort of things can also help to close the gap for you. So, Yes.","start_word":511,"end_word":577,"intents":[{"intent":"Discuss future","confidence_score":0.001926955}]},{"text":"yeah, but, I mean, at your age, it is it is gonna be more expensive to increase insurances, but it just comes down to what you're comfortable with and whether this income protection is gonna give you enough of a buffer in the event that you were unable to work. So yeah.","start_word":578,"end_word":629,"intents":[{"intent":"Clarify costs","confidence_score":0.0034588724}]},{"text":"A lot of changes to come. Yeah. Definitely.","start_word":729,"end_word":736,"intents":[{"intent":"Update information","confidence_score":0.09303408}]},{"text":"So by moving into the SMA, that actually changes. So the SMA, essentially, in your super fund, you will see the bloom or the evergreen you'll see an SMA product with the amount of money you have in there.","start_word":1267,"end_word":1305,"intents":[{"intent":"Educate about sma","confidence_score":0.0038912178}]},{"text":"We've also got the estate planning side of things scoped in. So you wanted to make sure that your beneficiaries were set up. So in the event of passing that the the benefit was paid out to your son and daughter, so Reese and Jessica, but you wanted to be set up so it's paid out in the most tax effective way for them as well.","start_word":1514,"end_word":1579,"intents":[{"intent":"Ensure trust and protection for beneficiaries","confidence_score":1.5642911e-7}]},{"text":"We're not we've scoped into a limited scope for insurances. So we're not making a recommendation on altering the insurances at all. However, they are scoped in on a limited basis. Because your insurances are paid out if you're super, it still has a long term effect on your super and your retirement goals. So we Yes.","start_word":1595,"end_word":1651,"intents":[{"intent":"Plan and maintain limited scope for insurance coverage","confidence_score":0.0000038324274}]},{"text":"So we're not making a recommendation around trauma, but we can always talk about that down the track if you change your mind. Okay?","start_word":1709,"end_word":1732,"intents":[{"intent":"Provide advice","confidence_score":0.3941456},{"intent":"Provide advice","confidence_score":0.030094355}]},{"text":"The next page is we've got the limited advice warning. So just letting you know we scope in and out areas that we are and are not providing advice on. We can also refer you to a solicitor for the drafting of wills and power of attorneys and reviewing of those.","start_word":1734,"end_word":1784,"intents":[{"intent":"Inform about limitless advice warning","confidence_score":0.000006339406}]},{"text":"We can also refer you to a solicitor for the drafting of wills and power of attorneys and reviewing of those.","start_word":1764,"end_word":1784,"intents":[{"intent":"Refer to solicitor","confidence_score":0.6666965}]},{"text":"And the bottom section there lets you know that I am under the Better Advice Act 2021, allowed to provide financial advice related to tax and tax related issues. We're not accountants, though, so we don't do your tax return, but we can always refer you to an accountant if you require those services as well. Okay? Yeah. Okay.","start_word":1819,"end_word":1877,"intents":[{"intent":"Provide financial advice","confidence_score":0.4512548}]},{"text":"What about this whole new getting a car thing and the vetted lease if you Yeah.","start_word":1893,"end_word":1908,"intents":[{"intent":"Discuss car purchase","confidence_score":0.03859243}]},{"text":"If you're looking at a novated lease, if you can get the contract for me, I Yeah.","start_word":1918,"end_word":1934,"intents":[{"intent":"Explain contract","confidence_score":0.029453332}]},{"text":"The next page that outlines the about you section, I know your income is due to increase in the coming weeks there possibly as well.","start_word":1961,"end_word":1985,"intents":[{"intent":"Explain income due to increase","confidence_score":0.0003357687}]},{"text":"The rest of the information is based on the last fax line that we had there. Is there anything else that should be sort of updated or changed, do you think? No. I don't think so. No. Perfect. And the next page outlines your assets and liabilities noted down there. So we've got nothing major noted, and then we've got your superannuation and insurances noted there as well with the current rates. Okay? Okay.","start_word":1987,"end_word":2060,"intents":[{"intent":"Mention past interactions","confidence_score":0.0000024160506}]},{"text":"Now the next couple of pages do so to start taking you to the recommendations.","start_word":2062,"end_word":2076,"intents":[{"intent":"Discuss future recommendations","confidence_score":0.016927585}]},{"text":"So at the moment, you are in hub twenty four. We're not making any direct changes to the the super fund. We're still recommending you retain hub twenty four. It is still a great platform, and hub twenty four definitely allows us to utilize all the different investment options to be able to build and create these portfolios for you.","start_word":2138,"end_word":2197,"intents":[{"intent":"Recommend retaining hub twenty four","confidence_score":0.4800196}]},{"text":"What I am recommending we do is we move out of your current high growth portfolio and into the SMA.","start_word":2198,"end_word":2217,"intents":[{"intent":"Recommend moving into sma blend","confidence_score":0.028950157}]},{"text":"But the other good thing about this is actually cheaper in fees for you.","start_word":2386,"end_word":2399,"intents":[{"intent":"Discuss balancing returns and fees","confidence_score":0.0014262729}]},{"text":"But the other good thing about this is actually cheaper in fees for you. So whilst we are retaining Hub, we actually move you away from the core products and into the choice product. Sorry. Out of the choice product and into the core product. So we just change the product within hub 24 that you have. And by doing that, it actually reduces the administration fees. So Mhmm.","start_word":2386,"end_word":2454,"intents":[{"intent":"Explain fee reduction in hub 24","confidence_score":0.000019770041}]},{"text":"currently, you're paying about $13.32. By changing the product in hub 24 and moving into the SMA, we can reduce your administration fees by about a $180 for the year, which is a benefit. Okay?","start_word":2456,"end_word":2490,"intents":[{"intent":"Reduce fees","confidence_score":0.3107844},{"intent":"Reduce fees","confidence_score":0.08380758}]},{"text":"shows that we're gonna be selling all of those.","start_word":2636,"end_word":2644,"intents":[{"intent":"Sell items","confidence_score":0.25875926}]},{"text":"But, essentially, we'll be removing all of these out of your portfolio within Hub twenty four and moving you straight into the Bloom SMA.","start_word":2672,"end_word":2695,"intents":[{"intent":"Remove items from portfolio","confidence_score":0.025813006}]},{"text":"And then within that product, underneath there, there'll be a lot of different investment options that we'll be investing in, maneuvering money around, and making changes throughout the time for you.","start_word":2738,"end_word":2768,"intents":[{"intent":"Make changes","confidence_score":0.22131407}]},{"text":"So as you get older and closer to wanting to access your super, you're not gonna wanna be in that high growth environment anymore. You're gonna wanna reduce yourself back a little bit.","start_word":2806,"end_word":2838,"intents":[{"intent":"Reducing self-assessuring","confidence_score":0.0020216515},{"intent":"Reducing investment costs","confidence_score":0.0004420754}]},{"text":"And if it's not, we'll move you out of the product and into something else. Okay?","start_word":2882,"end_word":2897,"intents":[{"intent":"Moving out of product","confidence_score":0.12971309}]},{"text":"Another good thing to kinda point out for you is that the CGT consequences so back on that fee comparison table there, we always double check what the CGT consequences are. And for moving into the SMA, your super fund would be expected to pay CDT, so capital gains tax of $891. So we've done this to try and minimize the capital gains tax as much as possible. Okay? Okay.","start_word":3074,"end_word":3143,"intents":[{"intent":"Recommending cgt consequences","confidence_score":0.015763637},{"intent":"Reducing cgt consequences","confidence_score":0.004361165},{"intent":"Highlighting cgt consequences","confidence_score":0.0034252543}]},{"text":"I try to run through this as easy as possible, but then you'll get some time to go back and have it read through the document as well. Yes.","start_word":3174,"end_word":3202,"intents":[{"intent":"Assist with documents and calculations","confidence_score":0.000009099206}]},{"text":"You can, you know, have it set up so they get a certain amount.","start_word":3559,"end_word":3572,"intents":[{"intent":"Set up and distribute funds","confidence_score":0.05014861}]},{"text":"different ways of setting it up that way, but having it directed through your will instead of direct to your kids can help alleviate and reduce some of the tax they have to pay on the benefit.","start_word":3629,"end_word":3665,"intents":[{"intent":"Handle tax","confidence_score":0.000310347}]},{"text":"But this is just kind of a backup. If something was to happen to you, this is sort of the best way to structure to make it easier for you. It is just important that you do have a will drawn up to factor in the amount of money that you get the funds that would need to come through and make sure that the will is drawn up so that you can distribute things the way you want them to. Yes.","start_word":3770,"end_word":3851,"intents":[{"intent":"Structure and distribute funds","confidence_score":0.06572106}]},{"text":"It is just important that you do have a will drawn up to factor in the amount of money that you get the funds that would need to come through and make sure that the will is drawn up so that you can distribute things the way you want them to.","start_word":3800,"end_word":3850,"intents":[{"intent":"Draw will","confidence_score":0.069642656},{"intent":"Draw up will","confidence_score":0.05574644}]},{"text":"We also do have solicitors we can refer you through to. They can review the will you do have and make suggestions to how best to struct sorry, how best to structure things for you. And, also, making sure our power of attorney is set up as well because it's not standard as part of every will. It is a Yes.","start_word":3958,"end_word":4018,"intents":[{"intent":"Educate about power of attorney and process recommendations","confidence_score":0.0000069842586}]},{"text":"So if the insurance has become too expensive or you need to reevaluate those, let me know.","start_word":4339,"end_word":4355,"intents":[{"intent":"Evaluate insurance premiums","confidence_score":0.013695371}]},{"text":"So we wanna sort of adjust those moving forward to make sure you're not it's not eating away too much of your super over time as Yeah.","start_word":4422,"end_word":4448,"intents":[{"intent":"Adjust insurance premiums","confidence_score":0.3229753}]},{"text":"When would you like the next sort of catch up? Did you wanna do catch ups maybe every half yearly, every quarter? How often would you like to do catch ups with me at the moment moving forward?","start_word":4566,"end_word":4603,"intents":[{"intent":"Schedule catch ups","confidence_score":0.33806187},{"intent":"Confirm catch-up schedule","confidence_score":0.000047637717}]},{"text":"I'll pop that in the calendar there for you. My lovely admin team member, Michelle, will give you a call and run through that one. So I will go back and add that to the calendar now. There we go.","start_word":4615,"end_word":4654,"intents":[{"intent":"Add to calendar","confidence_score":0.3866907}]},{"text":"Happy to answer any questions that you might have.","start_word":4706,"end_word":4714,"intents":[{"intent":"Answer questions","confidence_score":0.2924744}]},{"text":"we get to the figure in retirement for a thousand dollars a week? Is that just based on what I've got and what what that's projected to be? Or is that that it's just I figured that was locked in system.","start_word":4827,"end_word":4867,"intents":[{"intent":"Explain retirement plan","confidence_score":0.042700086}]},{"text":"really need to consider those sorts of aspects. So, yeah, that's absolutely Yeah. fine.","start_word":5261,"end_word":5274,"intents":[{"intent":"Decide","confidence_score":0.000026915397}]},{"text":"And from there, we can invest in the investment vehicle. And from there, we can invest funds in, you know, anywhere between 10 to 50 different investments options more if we need to so that smaller amounts of money are pulled together and invested in a way that's diversified.","start_word":5707,"end_word":5755,"intents":[{"intent":"Optimize investment portfolio","confidence_score":0.024393937}]},{"text":"It can be altered without having to make those small changes so we can review those regularly. Does that help?","start_word":5796,"end_word":5815,"intents":[{"intent":"Review investments consistently","confidence_score":0.00021236649}]},{"text":"If we sort of catch up and find that it's not performing, it's not doing what we want it to, then we'll look at other options for you.","start_word":6372,"end_word":6399,"intents":[{"intent":"Evaluate investment options","confidence_score":0.16447759}]},{"text":"And so the investment portfolio that's being built within this SMA product has been built to maximize diversification and to reduce the overall risk level that you're taking as well whilst trying to maximize the return.","start_word":6512,"end_word":6547,"intents":[{"intent":"Maximize diversification and minimize risk level","confidence_score":0.13737763},{"intent":"Maximize return","confidence_score":0.16780283}]},{"text":"And so the investment portfolio that's being built within this SMA product has been built to maximize diversification and to reduce the overall risk level that you're taking as well whilst trying to maximize the return. So it definitely does provide a really good benefit for you moving forward. Yeah.","start_word":6512,"end_word":6561,"intents":[{"intent":"Jump into investment portfolio","confidence_score":0.29767475},{"intent":"Move into investment portfolio","confidence_score":0.0058136615}]},{"text":"Essentially, with the markets being up and down, by moving out of Bannalong, we are cementing the losses that Bannalong has seen. However, we are able to offset a lot of the gains as well by moving.","start_word":6606,"end_word":6642,"intents":[{"intent":"Capture market returns","confidence_score":0.000028491002}]},{"text":"So, this SMA is helping to reduce the overall level of risk, reduce the fees there, and it can put you in a better position moving forward. So it Yes.","start_word":7037,"end_word":7066,"intents":[{"intent":"Manage investments","confidence_score":0.031051101}]},{"text":"And I'll be here to guide you. And if it's if it's not working for you, I will move you out of it just as quickly. Okay. Yeah.","start_word":7095,"end_word":7122,"intents":[{"intent":"Guide","confidence_score":0.002830563},{"intent":"Guide","confidence_score":0.03351334}]}]},"sentiments":{"segments":[{"text":"Good afternoon.","start_word":0,"end_word":1,"sentiment":"positive","sentiment_score":0.3374571204185486},{"text":"This is Dana. Hi, Dana. It's Natalie returning your call. Sorry Oh, about that. that's okay.","start_word":2,"end_word":17,"sentiment":"neutral","sentiment_score":0.128729447722435},{"text":"It's not a problem at all.","start_word":18,"end_word":23,"sentiment":"positive","sentiment_score":0.37943634390830994},{"text":"Sometimes people screen the calls. That's why we like to send try to call twice, and then we send a text message to make it a bit easier for you.","start_word":24,"end_word":53,"sentiment":"neutral","sentiment_score":0.24442265927791595},{"text":"But it's honestly not a problem at all.","start_word":54,"end_word":61,"sentiment":"positive","sentiment_score":0.5082203149795532},{"text":"How's your day been? Oh, okay. No. Just Energex all turned up at the same time, and that's like between that and dogs and all of that. I was like, oh, in fact, all that. Yeah. All No. sort That's of. okay. Yeah. I do have your advisees ready to go. Do you have access to your emails? Are you able to review the document as we're going through it? Or yep.","start_word":62,"end_word":133,"sentiment":"neutral","sentiment_score":0.09465886652469636},{"text":"Beautiful.","start_word":134,"end_word":134,"sentiment":"positive","sentiment_score":0.6185507774353027},{"text":"I'm just gonna send this one through to you there, Natalie. I've just pressed send on the email now. Mhmm.","start_word":135,"end_word":154,"sentiment":"neutral","sentiment_score":0.25118711590766907},{"text":"Beautiful. Lovely.","start_word":155,"end_word":156,"sentiment":"positive","sentiment_score":0.618594765663147},{"text":"In the message I got the other day, it mentioned that you might be having some changes to your job as well. Yes. So I've been Yep. offered a role. Just a little bit more money, which, you know, kind of at the moment Perfect. with different things going on is Yep. absolutely essential. So it's basically same kind of role, just different Yep. employer. Okay. Perfect. I haven't I haven't gone through that process yet. I'm just in the middle Yep. of doing that. No. Yeah. That's okay. Not a problem at all. So I think one of the questions there was how this might affect your insurances. Realistically, your life and TPD, there's no issue there. There's no Mhmm. issue with your insurances whatsoever. The main sort of thing comes down to the income protection side of it. So when you do get that new job and you've got the higher income there, we may need to just reevaluate the income protection side of things for you to see if we may maybe need to increase that or whether that level of income protection is still gonna be sufficient for your Yeah. your your weekly needs, yeah, Well, or monthly that's that's needs. something that we already spoke through the last time, and and Yeah. I guess your your advice was, oh, you know, that could change anything to reapply things. And Yeah. and I think I'd come up with the decision of, oh, well, it doesn't matter. Yes. It is a shortfall, but, Yeah. you know, it's still better than nothing. Yeah. Yeah. So Absolutely. yeah. Well, if you decide that it's not enough and you do wanna look at increasing that, do let me know. I'm more Mhmm. than happy to talk about it, look at what the options are. We'll reassess your health and see what kinda contracts might be offered. Because if you were on a claim, we don't want you to be underinsured and not, you know, too much that's really affecting your life. And, look, there are other options that we can look at as well. So if you don't wanna increase the insurances, we can always look at whether you've got some money in cash flow outside of super, maybe set up a savings and start building a a bit of a buffer with savings there, or we can invest money for the future as well. And those sort of things can also help to close the gap for you. So, Yes. yeah, but, I mean, at your age, it is it is gonna be more expensive to increase insurances, but it just comes down to what you're comfortable with and whether this income protection is gonna give you enough of a buffer in the event that you were unable to work. So yeah. Okay. Yeah. Yeah. Cool. No. For now, I'll just leave it as is and Yeah. just work on other solutions for that.","start_word":157,"end_word":651,"sentiment":"neutral","sentiment_score":0.044433740774790446},{"text":"Perfect. Not a problem at all. All good. Well, congratulations on this new new role, and an increase in pay is always a good thing.","start_word":652,"end_word":676,"sentiment":"positive","sentiment_score":0.6857694983482361},{"text":"I know. So there's a whole lot going on there. Absolutely. You've got a So lot I going on. Oh, that's alright. Well, I currently have a tool to trade car. So it Yep. means now looking for a car and all of those sort of things as well. So sometimes. Wow. A lot of changes to come. Yeah. Definitely.","start_word":677,"end_word":736,"sentiment":"neutral","sentiment_score":0.09873823076486588},{"text":"All good. Well, good luck with it all. Hopefully, it all it works out really well for you that you enjoy your new role when that time comes.","start_word":737,"end_word":764,"sentiment":"positive","sentiment_score":0.5904239416122437},{"text":"So that'll Yeah.","start_word":765,"end_word":767,"sentiment":"neutral","sentiment_score":0.24018943309783936},{"text":"be good.","start_word":768,"end_word":769,"sentiment":"positive","sentiment_score":0.36739274859428406},{"text":"We'll I'm definitely sure. make sure we are catching up with you over the course of the year as well just to see how things are going. Yeah. Okay? Yeah. Correct. Yeah.","start_word":770,"end_word":801,"sentiment":"neutral","sentiment_score":0.23759859800338745},{"text":"Beautiful.","start_word":802,"end_word":802,"sentiment":"positive","sentiment_score":0.3815850615501404},{"text":"Has that email popped through to you there at all? Yes. It has. Perfect. So when you open the email there, it does have the statement of advice set as an attachment. Otherwise, you can also press the button that does say sign. However, it won't ever ask you to sign until you've read the document. So you can press that that button go through so you can see the document. It'll let you scroll up and down through the pages there. Okay. Is that working? Yes. It is. Yep. I'm Perfect. I'm not sure if it's going to because I'm working on a Mac. So you know how that can be. Yeah. Absolutely. No. Not a problem at all. On the first page of the document there, it does state statement of advice prepared for yourself as of the 03/20/2026 prepared by myself and my beautiful team here, Dana Taylor. My authorized representative number with Oakview Financial and registered through ASIC is 1304394. Okay? Mhmm. Yep. The next set of pages are outlining the best interest, Judy. So just letting you know that any advice we do provide is there in your best interest.","start_word":803,"end_word":997,"sentiment":"neutral","sentiment_score":0.0772971659898758},{"text":"It's aimed to help you towards meeting your long term your retirement goals, and we make sure we do go through the process we do of doing enough research, making sure that it's all working better for you.","start_word":998,"end_word":1035,"sentiment":"positive","sentiment_score":0.4425158500671386},{"text":"And we can't provide advice if it's not gonna put you in a better position. Okay? Yes.","start_word":1036,"end_word":1052,"sentiment":"neutral","sentiment_score":-0.09322524815797806},{"text":"Yeah. Good. Excellent.","start_word":1053,"end_word":1055,"sentiment":"positive","sentiment_score":0.6057168841362},{"text":"The next page is your table of contents, and after that, you'll see the scope of the advice. So we're scoping in superannuation at the moment, looking at the best Mhmm. way to have your your investment structured. We know there has been a bit of market volatility out there. We talked about looking at the separately managed account, which allows us to make changes to the investments without having to call you and go through things. So it just does give the investment committee greater control over making sure you're invested correctly, but also making sure that it's working for you at the same time. Okay. Yes. I've, yeah, I don't know. I I thought I started sorry. this whole process in that way. You're Is it because I've changed from at whatever I was on before to mhmm. hub twenty four, Yep. but that's changed since No. No. So with HAB 24, the main reason we couldn't alter any of the investments prior to doing this document is that when you came on board originally, you were recommended a set portfolio. then. That set portfolio Wrong. outlined exactly what investments you would be invested in. So for us to change those investments, we actually need to update advice. Right. So by moving into the SMA, that actually changes. So the SMA, essentially, in your super fund, you will see the bloom or the evergreen you'll see an SMA product with the amount of money you have in there. And underlying Yes. inside that SMA, there's anywhere between, you know, 10 to 20 to 50 different investment options depending on what we need to be invested in. So you actually don't see all those underlines. You just see the estimate product and where your funds are. It does change the visibility a little bit, but it means that the investment committee have a lot more control or we can make changes to the product.","start_word":1056,"end_word":1380,"sentiment":"neutral","sentiment_score":0.05234888391425976},{"text":"So, say, with what happened with Bennelong, if we saw that happen again, instead of having to book you in and have that conversation, we can take that investment out straight away and put something else in its place and move that money around. So it's providing more Okay. of a benefit to you. Things can be moved a lot faster, and we don't have to go through the whole conversation with you.","start_word":1381,"end_word":1453,"sentiment":"positive","sentiment_score":0.4215997755527496},{"text":"In saying that, we also do because you do lose a bit of visibility by having these sorts of accounts, we do every quarter the investment committee meet, and we do get trade reports whenever big changes are made. So we can be sending you those throughout the year as well. Okay? Yeah. Okay.","start_word":1454,"end_word":1507,"sentiment":"neutral","sentiment_score":0.2366171032190323},{"text":"Cool. Cool.","start_word":1508,"end_word":1509,"sentiment":"positive","sentiment_score":0.4578046798706054},{"text":"Yeah. Yeah.","start_word":1510,"end_word":1511,"sentiment":"neutral","sentiment_score":0.29497605562210083},{"text":"That's okay.","start_word":1512,"end_word":1513,"sentiment":"positive","sentiment_score":0.34328314661979675},{"text":"We've also got the estate planning side of things scoped in.","start_word":1514,"end_word":1524,"sentiment":"neutral","sentiment_score":0.31034284830093384},{"text":"So you wanted to make sure that your beneficiaries were set up. So in the event of passing that the the benefit was paid out to your son and daughter, so Reese and Jessica, but you wanted to be set up so it's paid out in the most tax effective way for them as well.","start_word":1525,"end_word":1579,"sentiment":"positive","sentiment_score":0.42716893553733826},{"text":"So I have made a recommendation to alter those nominations for you. Okay? Mhmm. Okay. We're not we've scoped into a limited scope for insurances. So we're not making a recommendation on altering the insurances at all. However, they are scoped in on a limited basis. Because your insurances are paid out if you're super, it still has a long term effect on your super and your retirement goals. So we Yes. do keep it as a limited scope to show you the long term effect of that. Okay? Mhmm. And then we've also got here not on the next page. Sorry. What we're not considering.","start_word":1580,"end_word":1685,"sentiment":"neutral","sentiment_score":0.021881302818655968},{"text":"So we don't have trauma at the moment. You didn't wanna look at getting any additional insurance cover to what you had.","start_word":1686,"end_word":1707,"sentiment":"negative","sentiment_score":-0.35944169759750366},{"text":"So we're not making a recommendation around trauma, but we can always talk about that down the track if you change your mind. Okay? Okay.","start_word":1708,"end_word":1732,"sentiment":"neutral","sentiment_score":-0.05179500579833984},{"text":"Perfect.","start_word":1733,"end_word":1733,"sentiment":"positive","sentiment_score":0.5408859252929688},{"text":"The next page is we've got the limited advice warning. So just letting you know we scope in and out areas that we are and are not providing advice on. We can also refer you to a solicitor for the drafting of wills and power of attorneys and reviewing of those. If you do need any a general insurance broker for things like home, motor, contents, business insurance liability, things like that, we can also refer you to a general insurance broker if you need. And the bottom section there lets you know that I am under the Better Advice Act 2021, allowed to provide financial advice related to tax and tax related issues. We're not accountants, though, so we don't do your tax return, but we can always refer you to an accountant if you require those services as well. Okay? Yeah. Okay. Alright. I Perfect. might have I might have some good questions there for you then. What about this whole new getting a car thing and the vetted lease if you Yeah. understand that more than I do. Yeah. Yeah. Yeah. If you're looking at a novated lease, if you can get the contract for me, I Yeah. can kinda break it down and just give you some general information around on that. Absolutely. Yeah. Yeah.","start_word":1734,"end_word":1952,"sentiment":"neutral","sentiment_score":0.058763183653354645},{"text":"Awesome.","start_word":1953,"end_word":1953,"sentiment":"positive","sentiment_score":0.38521063327789307},{"text":"Okay.","start_word":1954,"end_word":1954,"sentiment":"neutral","sentiment_score":0.2878299057483673},{"text":"Cool. Perfect.","start_word":1955,"end_word":1956,"sentiment":"positive","sentiment_score":0.4340571165084839},{"text":"Cool. Not a worry. The next page that outlines the about you section, I know your income is due to increase in the coming weeks there possibly as well. Yep. The rest of the information is based on the last fax line that we had there. Is there anything else that should be sort of updated or changed, do you think? No. I don't think so. No. Perfect. And the next page outlines your assets and liabilities noted down there. So we've got nothing major noted, and then we've got your superannuation and insurances noted there as well with the current rates. Okay? Okay.","start_word":1957,"end_word":2060,"sentiment":"neutral","sentiment_score":0.0728330984711647},{"text":"Perfect.","start_word":2061,"end_word":2061,"sentiment":"positive","sentiment_score":0.33463239669799805},{"text":"Now the next couple of pages do so to start taking you to the recommendations.","start_word":2062,"end_word":2076,"sentiment":"neutral","sentiment_score":0.149218812584877},{"text":"After the call, you're welcome to go back and have a really good read of things. But to make it easier for you with the way I'm gonna present it to you, if you can just scroll directly down to page number 18 for me, this essentially outlines the recommendations we're making and the effect to show you.","start_word":2077,"end_word":2134,"sentiment":"positive","sentiment_score":0.38973692059516907},{"text":"Okay? Okay.","start_word":2135,"end_word":2136,"sentiment":"neutral","sentiment_score":0.2115809470415115},{"text":"Perfect.","start_word":2137,"end_word":2137,"sentiment":"positive","sentiment_score":0.6346566677093506},{"text":"So at the moment, you are in hub twenty four. We're not making any direct changes to the the super fund. We're still recommending you retain hub twenty four.","start_word":2138,"end_word":2166,"sentiment":"neutral","sentiment_score":0.05153483524918556},{"text":"It is still a great platform, and hub twenty four definitely allows us to utilize all the different investment options to be able to build and create these portfolios for you.","start_word":2167,"end_word":2197,"sentiment":"positive","sentiment_score":0.5665889382362366},{"text":"What I am recommending we do is we move out of your current high growth portfolio and into the SMA. So on the bottom of that table, you'll see your current high growth portfolio noted, and then Mhmm. we're gonna move you into the OVF SMA blend. When we look at the way the high growth portfolio over the last five years, your current has averaged, and we know this is just what the investments have averaged. We know your return is completely different because then long hasn't been performing this year, and we know you don't get 48% exactly every year. So it's just taking all of the investments, looking at what the returns were over the past five years, and then averaging them out for you. Okay? Yes. With the SMA blend there, you can actually see that the past five year rolling average has averaged a little bit higher than what your current high growth portfolio is.","start_word":2198,"end_word":2357,"sentiment":"neutral","sentiment_score":0.11828859895467758},{"text":"So by moving into that into that SMA product, you can tend to get the greater potential returns if the market perform the same way as it does. But the other good thing about this is actually cheaper in fees for you.","start_word":2358,"end_word":2399,"sentiment":"positive","sentiment_score":0.367364764213562},{"text":"So whilst we are retaining Hub, we actually move you away from the core products and into the choice product. Sorry. Out of the choice product and into the core product. So we just change the product within hub 24 that you have. And by doing that, it actually reduces the administration fees. So Mhmm. currently, you're paying about $13.32. By changing the product in hub 24 and moving into the SMA, we can reduce your administration fees by about a $180 for the year, which is a benefit.","start_word":2400,"end_word":2488,"sentiment":"neutral","sentiment_score":0.12677382966608144},{"text":"Okay? With the investment fees there by moving into the SMA, instead of paying the $19.26, we can reduce your investment fees by about $238 for the year as well. So that's essentially giving you a little bit more money invested, working harder for you, paying a little bit less in fees, which is important as well.","start_word":2489,"end_word":2545,"sentiment":"positive","sentiment_score":0.4897228181362152},{"text":"Okay?","start_word":2546,"end_word":2546,"sentiment":"neutral","sentiment_score":0.2150512337684631},{"text":"Okay. Perfect.","start_word":2547,"end_word":2548,"sentiment":"positive","sentiment_score":0.4262618124485016},{"text":"If you scroll up for me just by two pages, the page number 16, this is essentially what we are buying and selling there. So with the investments, you'll see what you have at the moment. You've got some cybersecurity. We've got some India. We've got some health care, the S and P 500. We've got the Rafi Aussie 200, some Benelon Australian Equities, the JPMorgan Research Enhanced Index Fund. We've got some Global X Physical Gold and also the BetaShares Bank Hybrid. So this table Mhmm. shows that we're gonna be selling all of those. Essentially, some of these do exist in the SMA, so they will be in specie transferred over to help limit limit the capital gains effect for you. But, essentially, we'll be removing all of these out of your portfolio within Hub twenty four and moving you straight into the Bloom SMA. So it's a high growth product. So when you look at Hub 24, once this is completed, this is what you'll see. You'll see the Bloom SMA with, essentially, the total balance sitting in there, and that's what it'll basically look like. And then within that product, underneath there, there'll be a lot of different investment options that we'll be investing in, maneuvering money around, and making changes throughout the time for you.","start_word":2549,"end_word":2768,"sentiment":"neutral","sentiment_score":0.14912548661231995},{"text":"So being in the SMA definitely doesn't take away the need for reviews and catch ups and things because we wanna make sure it's still working for you, and this SMA is a high growth product.","start_word":2769,"end_word":2804,"sentiment":"positive","sentiment_score":0.44103068113327026},{"text":"So as you get older and closer to wanting to access your super, you're not gonna wanna be in that high growth environment anymore. You're gonna wanna reduce yourself back a little bit. So we'll be able to pick that time as to when we do that and start to reduce things back. And the catch ups and then your reviews will also allow allow us to help make sure that this is still working for you. And if it's not, we'll move you out of the product and into something else. Okay? Do you have any questions so far at all? Okay. No. Not really. No. That's okay. It's really important that we do sort of note as well that there is the best interest duty on all of these. So the the recommendation has been noted in your Alright. best interest as your goal is to stay where you're super. Can be you want it working harder towards retiring age 67 currently with a target income, we're working on about a thousand dollars on a weekly basis there.","start_word":2805,"end_word":2984,"sentiment":"neutral","sentiment_score":0.002537049353122711},{"text":"So you wanna have the funds invested in a timely manner and allow us to be able to make changes to the investments as the market or as the situation requires. So this product is in your best interest because it allows you to do so. It's lower in fees, so it means there's more money invested there for you. And it also means that, you know, we can make those changes as you sort of wanted us to, which is important as well.","start_word":2985,"end_word":3068,"sentiment":"positive","sentiment_score":0.42124319076538086},{"text":"Okay? Mhmm. Yes. Mhmm.","start_word":3069,"end_word":3072,"sentiment":"neutral","sentiment_score":0.08034931123256683},{"text":"Perfect.","start_word":3073,"end_word":3073,"sentiment":"positive","sentiment_score":0.4396236538887024},{"text":"Another good thing to kinda point out for you is that the CGT consequences so back on that fee comparison table there, we always double check what the CGT consequences are. And for moving into the SMA, your super fund would be expected to pay CDT, so capital gains tax of $891. So we've done this to try and minimize the capital gains tax as much as possible. Okay? Okay. Yes. Yep.","start_word":3074,"end_word":3145,"sentiment":"neutral","sentiment_score":0.1755431741476059},{"text":"Perfect.","start_word":3146,"end_word":3146,"sentiment":"positive","sentiment_score":0.4208639860153198},{"text":"Do you have any questions at the moment at all? No. I just no. No? That's I'll let you okay. know if my Yeah. That's okay. I try to run through this as easy as possible, but then you'll get some time to go back and have it read through the document as well. Yes. Above that, there are other disadvantages, the advantages, risks, and alternatives considered for you to look over. I go through some of those as part of this for you as I have, but there are others there. And it's often easier for you to go back after I've stopped talking to you and let you read through the document and take a little bit of it in as well. Yeah. Yeah. Yeah.","start_word":3147,"end_word":3273,"sentiment":"neutral","sentiment_score":0.04043106976749859},{"text":"That's okay.","start_word":3274,"end_word":3275,"sentiment":"positive","sentiment_score":0.42511969804763794},{"text":"Underneath that on the next page there, you'll see the projection outcome.","start_word":3276,"end_word":3287,"sentiment":"neutral","sentiment_score":0.258800208568573},{"text":"So, essentially, if the portfolio was able to get the return that we have seen over the past years, essentially, over the next sort of five to ten years, you can essentially see where you could end up.","start_word":3288,"end_word":3325,"sentiment":"positive","sentiment_score":0.395985871553421},{"text":"Okay? Okay.","start_word":3326,"end_word":3327,"sentiment":"neutral","sentiment_score":0.21487995982170105},{"text":"Yeah. Perfect. That's essentially the super recommendations there.","start_word":3328,"end_word":3335,"sentiment":"positive","sentiment_score":0.4565950334072113},{"text":"We're not making any changes to the insurance side of things. So that is all factored into that projection table there. On the next page, we do have the beneficiary side of things.","start_word":3336,"end_word":3368,"sentiment":"neutral","sentiment_score":0.1382298320531845},{"text":"So we did talk about making sure the beneficiaries are set up in the most tax effective way.","start_word":3369,"end_word":3386,"sentiment":"positive","sentiment_score":0.3684404790401459},{"text":"So because your kids are nontax dependent, in the event that they were to receive your super and life proceeds after passing, they do pay tax. It's 15% plus the Medicare left piece up to 17% on the taxable component, so it can reduce the amount that they do or are able to receive. The most tax effective way to have these set up is to take your legal personal representative. So it just basically means that in the event of passing, if you have LPR attached to your super and your life insurance, the proceeds go directly through to your estate. They get logged into your estate with everything else, so your house, your cars, and things like that. And through your will, in your body of your will, you would outline that you wanted the funds to be split and go to your children.","start_word":3387,"end_word":3532,"sentiment":"neutral","sentiment_score":0.2561168670654297},{"text":"The best way and the most tax effective way to do this is that through your will, you can have things like trust set up.","start_word":3533,"end_word":3557,"sentiment":"positive","sentiment_score":0.3701399862766266},{"text":"You can, you know, have it set up so they get a certain amount. They can have an income set up on a regular basis. They're not receiving a full lump sum. You can also have it set up so children receiving different amounts or different benefits. If you want your house to go to one part child or you want the money to go to another child. So there's Mhmm. different ways of setting it up that way, but having it directed through your will instead of direct to your kids can help alleviate and reduce some of the tax they have to pay on the benefit.","start_word":3558,"end_word":3665,"sentiment":"neutral","sentiment_score":0.18378478288650513},{"text":"And then it gives you a lot more control as to how you set your will up and how you have your estate paid out to your children as well.","start_word":3666,"end_word":3695,"sentiment":"positive","sentiment_score":0.45582640171051025},{"text":"Okay? I can do Yeah.","start_word":3696,"end_word":3700,"sentiment":"neutral","sentiment_score":0.1605265587568283},{"text":"it. Cool. Beautiful.","start_word":3701,"end_word":3703,"sentiment":"positive","sentiment_score":0.5824623107910156},{"text":"Do you have any questions about that at all, about the the setup or the beneficiaries or No. Not really.","start_word":3704,"end_word":3723,"sentiment":"neutral","sentiment_score":0.024987854063510895},{"text":"No.","start_word":3724,"end_word":3724,"sentiment":"negative","sentiment_score":-0.3696863651275635},{"text":"not beautiful. I mean, at the end of the day, this is kind of a a backup solution. We realistically want you to get to retirement, be able to draw down your income, and use it for you at the end of the day. Yes. But this is just kind of a backup. If something was to happen to you, this is sort of the best way to structure to make it easier for you. It is just important that you do have a will drawn up to factor in the amount of money that you get the funds that would need to come through and make sure that the will is drawn up so that you can distribute things the way you want them to. Yes. The nomination type we have there is the binding non lapsing. So that essentially binds the trustee to follow the direction, and non lapsing means you only have to fill out one form. So it makes it nice and easy, and that stays applied to the super and the last cover until you revoke or alter that nomination. Okay? Mhmm. Okay.","start_word":3725,"end_word":3912,"sentiment":"neutral","sentiment_score":0.16986821591854095},{"text":"Perfect.","start_word":3913,"end_word":3913,"sentiment":"positive","sentiment_score":0.39318716526031494},{"text":"I have put in there for you advantages, disadvantages, risks, and alternatives considered there as well for you to run your eyes over. And I've also left in there below that essentially just making sure that you do have a will drawn up. We also do have solicitors we can refer you through to. They can review the will you do have and make suggestions to how best to struct sorry, how best to structure things for you. And, also, making sure our power of attorney is set up as well because it's not standard as part of every will. It is a Yes. separate document, and it's something I do see quite irregularly. A power of attorney might be missed. So, yeah, having one of those set up as well, making sure you've got someone that you trust to make decisions on your behalf, whether it be medical or financial, and making sure that they're aware that this is their obligation and these are what your wishes are. This is what you want to happen in the event that you're unable to make those decisions for yourself there. Okay?","start_word":3914,"end_word":4103,"sentiment":"neutral","sentiment_score":0.11841268472765622},{"text":"Perfect. That is essentially all the recommendations I needed to run through.","start_word":4104,"end_word":4115,"sentiment":"positive","sentiment_score":0.5130481719970703},{"text":"When you get to the very end of the document there sorry. On page number 32, we do outline that this there is no upfront implementation fees for the advice.","start_word":4116,"end_word":4145,"sentiment":"neutral","sentiment_score":0.15131624042987823},{"text":"The advice is all provided to yourself as you're an ongoing client. It's about them providing advice in your best interest as they're working towards your goals and trying to make sure we continue to do so and put you in the best possible position for retirement there.","start_word":4146,"end_word":4193,"sentiment":"positive","sentiment_score":0.5460119247436523},{"text":"Because you are 51, I do this is sort of focusing on the next ten years there. But as we get closer to your retirement, it'd be great to look a bit deeper at your retirement aspect. Generally, when you're about sort of under two years out, we really sort of nut the advice down, look at the drawdown aspect. Are you eligible for Centrelink, how that works for you as well? So we'll keep just reviewing things, doing catch up with you, and making sure that we update the advice as required. Mhmm. You do pay an ongoing service fee for our services of 1.65% that is noted in here as well. And we do receive remuneration from the insurance company. So we do receive 22% there ongoing of the insurance premiums paid by the insurer to us. However, it has no effect. So if the insurance has become too expensive or you need to reevaluate those, let me know.","start_word":4194,"end_word":4354,"sentiment":"neutral","sentiment_score":0.09601648503578968},{"text":"Happy to really do that with you.","start_word":4355,"end_word":4361,"sentiment":"positive","sentiment_score":0.6401277780532837},{"text":"The remuneration is just another aspect of that. It has no effect on our recommendations in any way, shape, or form. It's all legislated across the board that every insurer pays us the exact same amount for the insurance premiums. The important thing with those insurances is they are also gonna get more expensive as you get older as well. So we wanna sort of adjust those moving forward to make sure you're not it's not eating away too much of your super over time as Yeah. I think when we when we well. originally did it, we capped it at about five years Okay? because it was going Yeah. to start getting more and more to the point where it wasn't worth, you know, doing that anymore. And I was really concerned Absolutely. about the Yeah. the initial few years, which was, you know, the last couple of years and leading into this year as well. So Yeah. Okay. No. Just the Absolutely. things that are going on with the company. But that that obviously is gonna change. So Yeah. No. Absolutely. But no. Look. That that's essentially all I have at the moment. I did wanna sort of double check as well. When would you like the next sort of catch up? Did you wanna do catch ups maybe every half yearly, every quarter? How often would you like to do catch ups with me at the moment moving forward? Totally is good. Quarterly is good? Beautiful. Every three months?","start_word":4362,"end_word":4613,"sentiment":"neutral","sentiment_score":-0.05504972115159035},{"text":"Lovely. I'll pop that in the calendar there for you.","start_word":4614,"end_word":4623,"sentiment":"positive","sentiment_score":0.37191545963287354},{"text":"My lovely admin team member, Michelle, will give you a call and run through that one. So I will go back and add that to the calendar now. There we go.","start_word":4624,"end_word":4654,"sentiment":"neutral","sentiment_score":0.2503823935985565},{"text":"Beautiful. That's essentially all of the recommendations that we needed to run through.","start_word":4655,"end_word":4667,"sentiment":"positive","sentiment_score":0.39620164036750793},{"text":"I will let you take it back and have a bit of a read through it. Let me know if you do happen to have any questions in relation to any other document or any other recommendations there.","start_word":4668,"end_word":4705,"sentiment":"neutral","sentiment_score":0.26812466979026794},{"text":"Happy to answer any questions that you might have. And if you are happy just to take on the recommendations, we'll just get you to sign and return it back there for me.","start_word":4706,"end_word":4738,"sentiment":"positive","sentiment_score":0.5479244508526542},{"text":"Mhmm. Attached to the email, we've also got the appendices which runs the research we have.","start_word":4739,"end_word":4754,"sentiment":"neutral","sentiment_score":0.1818700134754181},{"text":"The financial services guide, which outlines everything about who we are, what we do, how we do it, has a lovely picture of me in there for you, and also notes everything about myself and my license number for you.","start_word":4755,"end_word":4794,"sentiment":"positive","sentiment_score":0.4293172359466553},{"text":"And then we've also got any product disclosure statements related to the recommendations as well in case you wanted to run your eyes over those. Okay? Yeah. Okay.","start_word":4795,"end_word":4822,"sentiment":"neutral","sentiment_score":0.15707387030124664},{"text":"Now how do Beautiful.","start_word":4823,"end_word":4826,"sentiment":"positive","sentiment_score":0.33629757165908813},{"text":"we get to the figure in retirement for a thousand dollars a week? Is that just based on what I've got and what what that's projected to be? Or is that that it's just I figured that was locked in system. How did that No. Yeah. So in one of the last conversations we had, it was just, you know, what are we averaging? What do you sort of wanna draw out on a weekly basis? You weren't a 100% sure, so we're just looking at, on average, about a thousand dollars a week aiming for at the moment. But if you're at the moment, it doesn't really have a huge effect on the recommendations. But as you get closer to retirement, it will. If you feel like you would wanna draw more or less or change that amount in retirement, that's absolutely fine. Because, realistically, you are also renting the we will have to factor in the rent into the into your retirement as well because you will have to pay rent and continue unless you are able to purchase a property. But that's Yes. essentially just the the last amount we had noted that you were sorta averaging may have to or may want to draw down income wise at a super per week for retirement. That's flexible. Yeah. That can also change. Your retirement age is the same thing. You could decide to retire earlier, later. It's completely up to you. But this is very fluid at the moment, so we can absolutely work on a different retirement age and a different retirement income if you'd like as well. Yeah. I think, like, I don't have to because, Yeah. like, my rent's about to jump for where we are Yeah. now 540 a week. So Yeah. basic basically, it's going to be $600 a week for me. Yeah. Mhmm. Yep. So when you look at that and then you're projecting the future with everything else that's going on, I just look Yeah. at it and go, is that even gonna be enough? You Yeah. know? No. Absolutely. When we kinda get about five years out, that's when I sort of really factor into the weekly income amount and really take into account the retirement projection. So when we get to about five years out, we'll really look at, you know, what age you wanna access super, what we're projecting to at the retirement age, are you eligible for Centrelink, and what kinda income you're gonna need because that's when we're really getting closer to it, and Sorry. that's where we Yeah. really need to consider those sorts of aspects. So, yeah, that's absolutely Yeah. fine. Okay. Not a problem at all. Yeah. Give Okay. me something to Awesome. think about too, what you think you might want to might need to draw down or might need to live on in those years. It's hard it's hard to know. It And is. the other thing, I don't understand what SMA is. Yeah. So that You're was just right. technology Yeah. versus how I'm doing it at the moment. Like, I get that what we've got at the moment. We've got things locked in, and it gives you the ability to to move in. That that appeals to me, like, the fact that you Yeah. can move with the market and and adjusting. Because that's what it was explained to me Yeah. at the beginning was that you could adjust things as necessary without having to touch base with me, which Yes.","start_word":4827,"end_word":5419,"sentiment":"neutral","sentiment_score":0.08107947524241212},{"text":"absolutely I'm on board with Yeah. because you'll see things quicker than I'll notice things.","start_word":5420,"end_word":5434,"sentiment":"positive","sentiment_score":0.602217972278595},{"text":"Yes. And is that still gonna be in the next at least in the next five years still reasonably aggressive? It can be. So you can be in that high growth environment. Generally, we like to when you're about eight years away from retirement, it really starts to knock that down, but it all comes down to what you're comfortable with as well. So if you're comfortable and you've got, you know, five years to retirement, you wanna take on a little bit more risk, you absolutely can. I tend to, when you're about eight years away, start to maybe reduce that risk level a little bit.","start_word":5435,"end_word":5541,"sentiment":"neutral","sentiment_score":0.19432993233203888},{"text":"We start to reduce it down in increments of 10%, so it's not a huge change, and we start to sort of do that for you. We can also, down the track, look at additional contributions so you don't have to take as much risk if you're putting more money into the market because you are, you know, helping to increase the amount that is invested, and that can help to increase the returns there as well.","start_word":5542,"end_word":5618,"sentiment":"positive","sentiment_score":0.4054605960845947},{"text":"But you can stay in this higher growth environment for definitely a bit longer there. The the SMA stands for separately managed account. That's the essentially, Okay. a separately managed investment account where it's all the funds are pulled into that SMA. Think of it like Hub twenty four, your super fund. So the money goes into your super fund. The SMA is a very similar sort of vehicle. Within Hub twenty four, your money goes into the SMA, the separately managed account. That is the investment vehicle. And from there, we can invest in the investment vehicle. And from there, we can invest funds in, you know, anywhere between 10 to 50 different investments options more if we need to so that smaller amounts of money are pulled together and invested in a way that's diversified. And it allows us to make changes to those investments without having to sort of call and go, hey. We need to move this product. We need to move money out of here, and we need to do this. It can be altered without having to make those small changes so we can review those regularly. Does that help? Does that make a little Yeah. bit No. more No. sense? Yeah. Yeah. Yeah. That does. And so that that eliminates the the problems that we've obviously had and Yeah. seen with the Benelon Yeah. portion of Mars Yeah. with polio. Yeah. Yeah. Definitely. And, look, the idea of the the separately managed account the same as any investment is that markets are always gonna be going up and down. So we will see times where investments may not be performing as well as others, and we kinda pick and choose when we need to move out of those.","start_word":5619,"end_word":5913,"sentiment":"neutral","sentiment_score":0.0814271365245015},{"text":"Ben along had a really big issue with one of underlying, which basically meant that the market had gone back and reevaluated that investment as a whole, and it was deemed to be no longer a suitable investment.","start_word":5914,"end_word":5951,"sentiment":"negative","sentiment_score":-0.3424904942512512},{"text":"But if you think of something else like the S and P 500, if that was to take a bit of a dip, we still see the top 500 companies in The US as being a solid investment. It's just that they're having a bit of a downtime at the moment. So it's Yes. about looking at the investments, why they're moving up and down, and is it still a solid investment? Does it do we see it coming back and still providing benefit to you, and this is the downtime we should take advantage of? Or is this investment no longer secure?","start_word":5952,"end_word":6054,"sentiment":"neutral","sentiment_score":-0.05839698761701584},{"text":"We don't really think it's appropriate, and we need to remove you out of that investment.","start_word":6055,"end_word":6070,"sentiment":"negative","sentiment_score":-0.5079585313796997},{"text":"So it's about sort of weighing up those options when we look at why markets are moving and what's happening in those individual investments. Does that answer Okay. the question a bit? Yeah. Yeah. Good. And how Yeah. often have I have I been if I've looked at and adjusted? So the investment committee do meet every quarter. That way, they can review what's happening. They can meet more regularly if the markets require them to do so, but most investment managers meet on a quarterly basis to reevaluate what's happening. Generally speaking, when there are big market changes, you kind of don't wanna make split decisions. You wanna make sure the investments are, you know, they are down because of a certain reason. So you normally give them a length of time to see what they're doing. With Benelon, we probably waited about a month before we really sort of made a decision that it was definitely gonna be a problem and it wasn't gonna be, you know, resolved very, very quickly for them, and that we needed to move everybody out of that. But investment committee's always made every quarter unless it's a big, you know, big market change that they see something that could come out of it, and we need to meet a bit more Okay. And so basically, in summary, you feel that this is a good move for me, and this has got Yeah. more more advantages and disadvantages? Yeah. Absolutely. So it does mean that we can maneuver funds as we need to.","start_word":6071,"end_word":6330,"sentiment":"neutral","sentiment_score":-0.037581755733117464},{"text":"The SMA is a good product. It is a little cheaper. So, you know, making sure you have less in fees and more money invested is also a bit of a benefit there, and we're sort of working towards a goal.","start_word":6331,"end_word":6371,"sentiment":"positive","sentiment_score":0.4591422080993652},{"text":"If we sort of catch up and find that it's not performing, it's not doing what we want it to, then we'll look at other options for you.","start_word":6372,"end_word":6399,"sentiment":"neutral","sentiment_score":-0.14266850054264069},{"text":"The good thing about Hub is that we do have over, you know, 12 nearly 1,200 different investments that we can sort of choose from between Australian markets as well as overseas markets.","start_word":6400,"end_word":6432,"sentiment":"positive","sentiment_score":0.37958037853240967},{"text":"So we have those options to maneuver those in the future.","start_word":6433,"end_word":6443,"sentiment":"neutral","sentiment_score":0.3029296398162842},{"text":"But at the moment, the estimate is a really great product. It's lowering the amount of fees you're gonna have to pay. It has been performing really well.","start_word":6444,"end_word":6471,"sentiment":"positive","sentiment_score":0.6715759038925171},{"text":"And then, basically, it's also looked after at a risk per set perspective as well. So because it is looked after by our investment committee as well as the BlackRock investment committee, we utilize their tools for navigating risk.","start_word":6472,"end_word":6510,"sentiment":"neutral","sentiment_score":0.2190874069929123},{"text":"And so the investment portfolio that's being built within this SMA product has been built to maximize diversification and to reduce the overall risk level that you're taking as well whilst trying to maximize the return. So it definitely does provide a really good benefit for you moving forward.","start_word":6511,"end_word":6559,"sentiment":"positive","sentiment_score":0.6518344879150391},{"text":"Yeah. And and this like, with everything that's going on, is this Mhmm.","start_word":6560,"end_word":6572,"sentiment":"neutral","sentiment_score":0.20586343109607697},{"text":"a smart idea at this time, or Yep.","start_word":6573,"end_word":6580,"sentiment":"positive","sentiment_score":0.33977144956588745},{"text":"is this something that I really should be pausing on? Yeah. No.","start_word":6581,"end_word":6592,"sentiment":"neutral","sentiment_score":0.1743074357509613},{"text":"It is a it is a smart idea to jump into it now.","start_word":6593,"end_word":6605,"sentiment":"positive","sentiment_score":0.3736734390258789},{"text":"Essentially, with the markets being up and down, by moving out of Bannalong, we are cementing the losses that Bannalong has seen.","start_word":6606,"end_word":6627,"sentiment":"neutral","sentiment_score":0.10982343554496764},{"text":"However, we are able to offset a lot of the gains as well by moving.","start_word":6628,"end_word":6642,"sentiment":"positive","sentiment_score":0.3805217146873474},{"text":"So taking the moment now and moving it now is a better decision than if we did this down the track because Okay. you are in your fifties. If we waited too long, you don't have as long to allow the compounding effect to begin again. So moving now means you've got that time ahead of you to allow your portfolio to recover, to start growing, and to start compounding moving forward. Okay? Yeah. I think that's what makes me nervous is the fact that every time I've made a change, I do see that massive dip. I'm in a very similar dip this year anyway because Yeah. of, luckily, what's going on. But I see that Yeah. back step, and it takes some time for it to really get moving again. I guess I'm still a little hesitant. Is that still the right move, or Yeah. should I just be, you know, pressing along? But this is suggesting that in ten years that I'd be better off by $90,000. Is that right? Yeah. Yeah. That's if you would get the right the same return that the market has provide or Yeah. this portfolio Obviously, has provided that's over the last five years. So, essentially, we don't expect to get that every year. We you know, some use, you might get a 15 or 20 no. percent return. Some use, it might only be a five or 10% return. So this is kinda averaging. However, you could obtain a 15% return. Marcus could do all sorts of things. And at this time last year, we did not think we're gonna be here this year. So, you know, there's a lot of different factors there, but, essentially, the estimate does put you in front even if it's just looking at the the difference in the reduction of fees. And we know, overall, you're lowering the risk level as well. It's one of the big things that is our job is to try and mitigate risk as much as possible. So the SMA, with using BlackRock, they have what's called the Aladdin computer. And when the investment committee input the different investments, it fits at a level of risk and tells us how much risk that you're taking by having money invested in this and, you know, how much diversification you're getting and things like that.","start_word":6643,"end_word":7036,"sentiment":"neutral","sentiment_score":0.024597248903991},{"text":"So, this SMA is helping to reduce the overall level of risk, reduce the fees there, and it can put you in a better position moving forward.","start_word":7037,"end_word":7063,"sentiment":"positive","sentiment_score":0.3760546147823334},{"text":"So it Yes. is definitely better to try and do this now than to wait a few years down the track for sure. Yeah. Okay. Alright. Yeah. Cool. Oh, good.","start_word":7064,"end_word":7093,"sentiment":"neutral","sentiment_score":0.10211847722530364},{"text":"Awesome.","start_word":7094,"end_word":7094,"sentiment":"positive","sentiment_score":0.4354095458984375},{"text":"And I'll be here to guide you. And if it's if it's not working for you, I will move you out of it just as quickly. Okay. Yeah. Yeah. Awesome. Okay.","start_word":7095,"end_word":7125,"sentiment":"neutral","sentiment_score":0.048134081065654755},{"text":"Perfect.","start_word":7126,"end_word":7126,"sentiment":"positive","sentiment_score":0.45680731534957886},{"text":"That's okay. If you have any questions after you've read through the document, let me know. I know it can be a big decision to think it through, read the advantages, disadvantages, risks. And if you're not sure, well, you're welcome to let me know, and I'll make sure we do do those catch ups every quarter with you so we can help guide you along. Okay? Yes.","start_word":7127,"end_word":7194,"sentiment":"neutral","sentiment_score":0.1682353913784027},{"text":"That that's great. Awesome. Yeah. All good, Thank Natalie. you. Thank you for your time. I really appreciate it. Well, thank you so much, Dale, for putting that together for me. Anytime.","start_word":7195,"end_word":7226,"sentiment":"positive","sentiment_score":0.647281963378191},{"text":"Have a reach you and let me know if there's any questions that you might have. I am away over the Easter period, but I'm here all the way through till next Wednesday. So if there's anything in the meantime, let me know. Okay. Otherwise, I can always get the team to email me over the course of me being away, and I can get back to you as quickly as possible. Okay? No. I appreciate it. Yeah.","start_word":7227,"end_word":7304,"sentiment":"neutral","sentiment_score":0.08373937755823135},{"text":"Thank That's you.","start_word":7305,"end_word":7307,"sentiment":"positive","sentiment_score":0.5114683508872986},{"text":"it.","start_word":7308,"end_word":7308,"sentiment":"neutral","sentiment_score":0.30645254254341125},{"text":"My Oh, pleasure. I hope you You have a lovely break too. thank you. Thank you. I hope you have a good Easter, and I hope you get some downtime.","start_word":7309,"end_word":7338,"sentiment":"positive","sentiment_score":0.623862624168396},{"text":"Yeah. I know it's a long weekend.","start_word":7339,"end_word":7345,"sentiment":"neutral","sentiment_score":0.3209455609321594},{"text":"It'll be nice.","start_word":7346,"end_word":7348,"sentiment":"positive","sentiment_score":0.5541489124298096},{"text":"Yeah. I know.","start_word":7349,"end_word":7351,"sentiment":"neutral","sentiment_score":0.31664714217185974},{"text":"So looking forward to that.","start_word":7352,"end_word":7356,"sentiment":"positive","sentiment_score":0.5158221125602722},{"text":"Yeah. No.","start_word":7357,"end_word":7358,"sentiment":"neutral","sentiment_score":0.15300004184246063},{"text":"Beautiful. Well, thank you so much for your time today. I hope you have a good rest of your day. And, again, let me know if there's anything you need.","start_word":7359,"end_word":7388,"sentiment":"positive","sentiment_score":0.59770268201828},{"text":"Okay? Yeah.","start_word":7389,"end_word":7390,"sentiment":"neutral","sentiment_score":0.2634458541870117},{"text":"Cheers. Thanks for that, Dana. My pleasure. I'll talk to you soon. Thanks, Natalie.","start_word":7391,"end_word":7404,"sentiment":"positive","sentiment_score":0.6249565482139587},{"text":"Yep.","start_word":7405,"end_word":7405,"sentiment":"neutral","sentiment_score":0.3124421536922455},{"text":"Have See a good you.","start_word":7406,"end_word":7410,"sentiment":"positive","sentiment_score":0.5003541707992554},{"text":"one.","start_word":7411,"end_word":7411,"sentiment":"neutral","sentiment_score":0.28101974725723267},{"text":"See you.","start_word":7412,"end_word":7413,"sentiment":"positive","sentiment_score":0.34333059191703796},{"text":"Bye. Bye.","start_word":7414,"end_word":7415,"sentiment":"neutral","sentiment_score":0.18008530139923096}],"average":{"sentiment":"neutral","sentiment_score":0.14309029934923817}}}}