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That's honestly okay. It's not a problem at all. Do you happen to have access to your emails? If you don't, it's not a problem at all. You do? Yep. Yeah. Right. Not a problem at all. That was good timing then. No. That's all good. Not a worry at all. Just while you are getting your sort sorted there, just to let you know, we do record our calls for quality and training purposes. You're happy for me to proceed with that? Yep. Beautiful. And I'll just do security quickly with you as well. Just for you to confirm your full name, address, and date of birth I should have. Yep. Yep. Perfect. Thank you so much for that. Beautiful. I've just sent the email through to you that your email address got soyao24@gmail.com. If you wanted to pop in there when you got a second and pull up the document, we can just go through the updated advice together if you like. I've got plenty of time booked out, so don't you sort of are working your time frame, so you just let me know when you're ready. Yeah. Yep. Absolutely. Yeah. So no. No. So we have sort of just changed the way the business model has been sort of working because I did your annual review last year and wanted to, you know, help you to sort out your your financial situation and look at your strategies moving forward. You've come on to my book permanently now, so you and I'll make sure we catch up regularly. There has been some changes to the market conditions as well, so I've taken that opportunity to maybe alter your portfolio a little bit with you as well, and I'll show you what that looks like. Okay? Perfect. Excellent. Now when you open the email there, there normally is a button that says sign. Otherwise, I've also attached the statement of advice there for you as a an attachment. But if you press that button, it'll let you go through so you can open the document. I'm never gonna ask you to sign anything you haven't read, so it won't ask you it won't it won't force you to sign anything as you are going through to review that one. Okay? Yeah. It just opens it up. It shouldn't yeah. And you should be able to scroll up and down that one. Let me know if it doesn't work at all. Yep. You're right. How's your day been otherwise? Yeah. Yeah. No. No. That would have been one of my lovely admin team members. Yeah. Okay. Perfect. So there could be some changes here. Yeah. Yep. Yep. Okay. Right. Yeah. Yeah. Absolutely. So how long are you still gonna be working with this employer for? Okay. Yeah. Okay. No worries at all. Perfect. Yeah. Abs absolutely. Well, in saying that, I don't know how much of this some of the advice will definitely be appropriate for you, but there may have to be some changes to the advice that we are sort of looking at. Just, essentially, you're not taking on board some of the recommendations just because your income might have definitely dropped quite significantly in that time frame. But I'll go through this with you. I'll point out exactly what I have recommended. Is you so you're definitely looking to go into employment for yourself moving forward? You'll just be self employed, or are you is there still a chance you might be looking for employment elsewhere? Or yep. Yep. Okay. Yeah. Yeah. Absolutely. No. That's okay. Not a problem at all. But what I do is I'll run through this advice piece with you. I'll let you know what I have recommended, how and why and how it was meant to affect with the current circumstances. What I'll get you to do is take it back and read it. Some of the advice are still gonna be appropriate, but it might just be the scallop facts and the the contribution side that won't really be appropriate anymore. But have a think about it and let me know what you think anyway. If there is any once you've kind of had these changes to your employment, we might check-in in a couple of weeks with you just after the changes, after you stop this job and sort of see where things are up to And just do a bit of a catch up then as well and see whether we need to reupdate the advice down the track there as well. Okay? Perfect. That's okay. You're fine. But, look, honestly, it sounds like there's some good things on the horizon for you. So with them closing down the electrical side of things, there should be plenty of work out there for you to start up your own business. Yeah. Oh, fantastic. Perfect. Yeah. Yeah. No. That's good. That'll be fantastic. I mean, good things on the horizon for you at least anyways. So yeah. And having some long service leave and sick leave to fall back on will give you a bit of a buffer as well for expenditure and living and things like that. Yeah. All good. Has that one opened up again there for you at all? Yep. Perfect. So the advice document has been prepared for yourself as of the 03/17/2026, prepared by myself, Dana Taylor. On the very front there, you'll see my authorized representative number of 1304394. So I'm an authorized representative of Oakview Financial, and that's my registered license number. So I'm registered through Asic as a financial adviser. Okay? The next page outlines the best interest, Judy. So just, like, making sure that you're aware we wanna do catch ups and regular reviews with you every year to make sure that you're on track towards meeting your goals. Obviously, with this advice piece, it is based on your past situation, so there are some changes to come. So I'll just run through the recommendations there with you. I'll note the parts that may not be appropriate anymore. And then what we'll do is we'll get you to work out what you are comfortable undertaking. And then in a couple of weeks, we might just go back and update some changes to the recommendations there. Okay? Perfect. With regard to the scope of advice, I was looking mostly at superannuation, making sure it was working really well for you. I know you were happy last year when we spoke. You were happy with the way your portfolio was going. However, since then, there have been some changes to the investments. So there have been some underperforming investments in there, so I wanted to remove those and make sure your portfolio is always working harder for you. Back when we did speak last year, you were comfortable undertaking and making an additional salary sacrifice into the super. That may change given your circumstances. But I will just go through the recommendations I made, and then you get to determine, you know, what you're comfortable with. And if there's a level of contribution you're comfortable with, we can always go and have a look at how that affects you. Okay? All good. Yeah. Yeah. Yep. You absolutely can. You can do whatever you like most definitely. So if you're, you know, wanting to put a regular amount in there, you can pick either, like, a regular dollar figure amount. Or if you're just sort of working more some weeks and less other weeks and there's more of a contribution you wanted to have in super, you can absolutely transfer that in. You can do it one of two ways depending on how you're paying yourself. One is a deductible contribution where you just pay the lump sum in on a regular basis, or you can even just save it aside and do it once a year at the end of financial year, you let me know once you put that money in there, and I can organize a notice of intent, which makes that contribution concessional. It's where the the super fund takes the tax out of the inside super. And because you've paid that con made that contribution from your bank account, you'll be able to use that as a bit of a tax deduction as well at the end of the year to help you along. So yeah. But what we'll do is I can when we catch up in a couple of weeks, I'll probably make it just after Easter. So we'll wait for you to finish up with this role and sort of work out what you're doing moving forward. And then you and I can have another catch up there, Scott. We can talk about what's changed, and we can even go back and update the advice to reflect changes to the contributions and show you how that, you know, might affect you moving forward in your retirement goals there. Okay? Yep. Yeah. Yep. Wait till next. Yep. Yeah. There's a lot of things to think about. Nope. Perfect. With regard to this advice document, I have limited scope in the retirement needs. So we were working towards your retirement goals. So we're not quite, at the point where we are talking about a retirement drawdown. However, because retirement is looking about sixteen years away from where you are at the moment, it is appropriate to make sure we're showing you the long term effects based on the recommendations that we are making and sort of giving you an idea of where you're tracking forward to. We have also left in a a tool limited scope the insurance side of things. So we're not making any additional recommendations on insurances. You were happy with the level of cover you had. However, they are paid out of your super funds, so it does have an effect on your retirement and your retirement income stream at the end of the day. So it's important to factor those in insurances into the recommendations for you. Okay? On the next page, areas that we're not focusing on at the moment is the cash flow and budgeting. You're looking to build a shed and also go on a bit of a holiday there. So we're not sort of providing any additional support or advice around the cash flow and budgeting side of things. If you do want that down the track, you're welcome to let me know. I can definitely help you out. We just get a budget plan that completed to be able to assess your financial circumstances personally. We're not sort of helping with regard to the debt management of the investment property at the moment. Do you still have that property as well? Yep. Yep. Perfect. We can, down the track, help you with some, you know, strategies with paying down the debt a little bit faster if you would like those as well. And the estate planning side of things, you did have a beneficiary on file. You were comfortable with the way that was. They're not making any changes to that now, but we wanna review these things with you as your life changes as well. Okay? Sorry. The phone just cut out, Scott. Can you repeat that for me? Okay. Perfect. Yeah. Yeah. It absolutely can be. With regard to transferring the property and stuff like that, you are then transferring the ownership into the trust. So you will need to speak to a mortgage broker to make sure that the loan can be essentially redone once the property is transferred into the trust and speaking to your account to look at, obviously, the transfer, what that looks like CGT wise for you, and often the stamp duty and things like that to account for as well. So definitely have a have a look at that. If you do need any additional information around those sorts of things, you're welcome to give us a call as well. Okay? Perfect. This is a limited scribe a scope advice document. So the areas that are scoped in are noted above there. Just making sure that you're aware we're scoped in certain areas for where we are making recommendations, limited scope to areas where there's no maybe recommendation made. But there's a long term effect that we need to take into account there for you, and then scoping out any areas that we're not providing advice on. Before taking on the advice, it's important because it is limited scope that you do review and have a bit of a range of the document, and you can let us know what any certain areas that you're not comfortable taking on board. On the very last page of the document where there's a sign, there's normally a text box there. And if there's any areas that you're not comfortable taking on or don't wish to proceed with, we just get you to write that in that section there. Worst case, you can always email me and let me know that there's a certain section that you're not wanting to take on board. Okay? With when it comes to the estate planning side of things, we're not lawyers, so we do refer you through to a lawyer for the drafting of wills and power of attorneys and things like that. When it comes to insurances, we look at personal insurances, so life, TPD, income protection, and trauma, and things like that. Certain business insurances also apply. Other types of business insurance, business lie personal liability, house contents, motor insurances, things like that. They're technically general insurance products, so we don't provide advice around those. However, we can refer you to a general insurance broker should you need the services of one. And under the Better Advice Act 2021, I'm a qualified tax relevant provider, which means that I can provide financial advice in relation to sorry. I can provide financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your return for you. We like to think we're more exciting than accountants. We help you to minimize the tax before the event. They tend to tell you how much tax to pay after it's already occurred. With to make this a bit easier on you, if you scroll down there, page number seven, this is essentially the information that we had on you. I know, obviously, your income could definitely be changing, and your occupation will be changing over the course of the next few months there as well. But are there any additional things that maybe need to be altered or may have changed since we last spoke? Yeah. That will that will definitely change. Yeah. It's probably right for now, but it'll probably definitely change in the near future. Yeah. The same. Oh, fantastic. Yep. You have a lot going on at the moment. Yeah. Yeah. Yep. Oh, that's really good. That's what you kinda aim for. No. It's perfect. Yeah. No. Perfect. The next page does note your assets and liabilities as we had noted. Are there any major changes you would like there? I know when Jacob booked you in the other day, he did sort of check the fact fine. There was no significant changes to to note down. But is there anything there that you would want updated at all? Yep. No. Understandable. All good. And the next page outlines your current superannuation and your insurance history preview at the moment. So just for your reference, you do have your life and TBD cover and your income protection benefit. The life and TBD sum insured are currently 260,125, all paid out of super. And then you've got your income protection policy there, which provides a monthly benefit free tax free income tax of 4,855. You do have a nice day waiting period and an age 65 benefit period on that one at the moment. Okay? You are currently sorry. You're right. Yeah. Yep. That's all good. The the premium for this one is about 4,060 currently. It is really important that we do review these moving forward as well because these policies do get more expensive as you get older as the risk of you making a claim increases. So we don't want these to eat away your super, especially if your contributions start to decrease. So we'll just make sure we're reviewing these, looking at the level of cover you need, you have, how much you're paying for them, and reviewing things moving forward with you as well. Okay? Perfect. If you scroll down for me to page number 12, this is essentially where the recommendations are starting, and I'll kinda just go through it with you. So this is a projection table that's showing that at the moment, you've got your hub twenty four super fund there with the current balance, and then you've also got your administration fees, investment fees, any other fees applicable to the fund, your current contributions you're making, and the ongoing service fee there as well, and then your insurance premiums listed and noted also. Okay? With the, sorry, you're in a growth portfolio at the moment, and it's less than a five year rolling average. This has averaged about 14.2% on a yearly basis. We know you don't always get that every single year, but this is essentially how it has over the past five years averaged the return. It's actually not doing too bad. And, realistically, over the next five to ten years, if you got the same return moving forward, you can sort of see where it's projected to go. With the recommended there, the keeping with hub twenty four the same balance there, Your administration fees, investment fees, any other fees applicable there. The ongoing service fee does increase slightly because, obviously, we're factoring in growth in the portfolio and then your contributions. So with this one here at the moment, you have been making about $50 on a fortnightly basis salary sacrificing the super over and above your employer contributions. I am making a recommendation that we alter the or sorry. Alter the portfolio. We do a bit of a rebalance there and also remove some of the underperforming funds. But I'm also making $100 on a fortnightly basis. So it's something we did sort of discuss late last year. You were comfortable increasing it by that $50 on a a fortnightly basis just to sort of see if that can help you help you make your super work a bit harder there. I am well aware that with all the changes here, that might not be possible. So we can just catch up in a few weeks and sort of see where you're going and update and alter the advice to reflect that for you. Okay? The insurance premiums won't change because there's no alteration to the insurances currently. But with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years. So if the markets work the way we want them to and if you can project that forward and if you got the same return over the next five to ten years, you can sort of see what might be projected there for you. Okay? Perfect. Just going back up to the very top there, you'll see the investment fee is slightly different between the two recommended and the current fund there. With the changes, and I'll take you through those in a second, essentially, we are saving you about $707 in investment fees by making the alteration to the investment portfolio for you as well. Okay? Perfect. If you scroll down there for me to page number 14. Now as I kinda mentioned before, it's important to take on the long term effect of the recommendations there. So you'll see this is more of a conservative projection to sort of show what we'd expect. Realistically, when we look at the projections at the top, they are lovely and beautiful. However, it does depend upon the portfolio giving you that kind of rate of return every year moving forward, which we know is not realistic, and you're not gonna get that right up into the age of retirement there. So where I'd sort of expect you to land with regards to the projected outcome is either in between this and the top section there for you. With these projections here, they are just more of a conservative projection showing that, you know, by with the current salary sacrifice arrangement, if you got a lower rate of return moving forward, this is where you could be projected to end up at the age of retirement there. And because we were looking at an income a target income amount of about 80,000, whilst this does allow you to draw that kind of money down from the age of 65 onwards, it is kind of just under the target balance a little bit. And this is taking into account also being able to access age pension from age 67 there as well for you. So the benefit based on current eligibility, and this will be reviewed kinda further down the track for you as well. You and I will make sure that we're looking at it. And when you get closer to retirement, you're sort of a year or two out. We'll really focus on what the drawdown looks like and what you'll be eligible for. But this is sort of show you that under your current circumstances, whilst you are sort of closer to being able to access the target retirement income, the projection does still look really good. It's it's still about 11,000 less than your target on a yearly basis, but does give you access to age pension, which is kinda cool. Age pension will help you draw out less out of your super long term, so it can help provide a bit of longevity there for you as well. There for you as well. Okay? With the recommended of increasing the salary sacrifice to a $100 per fortnight, you can see the projected outcome based on the conservative projection is slightly higher. And when you sort of look at the income side of things, it actually reduces that gap slightly. So you're a little bit closer to being able to access the $80,000 on a yearly basis. It's still factoring in eligibility for age pension, but your super is also lasting a little bit longer there as well. So you can sort of see the difference between increasing that salary sacrifice a bit there as well. Does that make sense? Yeah. Perfect. That was the recommendation for the salary sacrifice sort of things. I know it's probably not gonna be possible at the moment, so that's absolutely okay. What I will get you to do, if you're once you sort of had a reach for the document and decided, if you wanted to on the back page of that, you can just write there that due to change in circumstances, you don't wish to proceed with the salary sacrifice arrangement, And then we can just catch up in a couple of weeks' time and talk about the changes and what things look like for you, and then we can always update the advice to reflect changes to the to the income and the contributions for you. Does that sound okay? Yep. Yeah. One month? Perfect. After this call, if you like, I'll book it back in for you. Yeah. Perfect. Perfect. Now if you scroll down there for me to page number 19, this is running you through the changes to the investment portfolio. So as per the projection table above there, this is essentially showing you I had made some recommendations to alter the portfolio so that you're still staying within that growth environment, not taking on any extra risk. You're staying within your risk profile, but also making sure that we did remove some underperforming investments and make some changes to rebalancing for you as well. Okay? So with this one here sorry. You'll see that we are removing fully the bank hybrids. So with these ones here, they are about to be phased out, so we are taking the opportunity to remove them fully from your portfolio. And then with the agriculture, we'll just be rebalancing that a little bit, buying a bit more in so you'll keep the food. Physical gold has been doing really, really well, and it has been performing nicely in your portfolio, but we just wanna rebalance it because you're a bit overexposed there at the moment. So we'll be selling a bit of the physical gold and just it's good to kinda cement those gains every now and then. Cementing the gains allows the money to be recompounded back, invested into the other investments, allowing it to continue to grow. You'll keep some of the cybersecurity there. We'll be buying a bit more in, so you have about 7% in there. And the S and P five hundred will be selling a bit of that to kind of rebalance you back a little bit. We've also got the beta shares Rafi Aussie two 100 there. We're gonna be selling some of that to rebalance your portfolio back. And then also the Benelog Australian Equities, we'll see, that is the one that has been underperforming, unfortunately. So as of late last year, early this year has been underperforming, has been quite volatile, and it's been pulling everyone's portfolio back a little bit. So we have made a business decision to remove the bend along out of there. I'm not sure if you remember back, but over the last couple of years, it has been a bit up and down. So we have made that decision to remove that investment from your portfolio solely. The fact that it has had a significant loss on most people's portfolios means we can offset some of the gains by race right? By rebalancing your portfolio out, which is a benefit for you. And then we're gonna put all that into the a 200, which is the second one from the bottom there. I've actually noticed that the the name of that one's wrong. I'm gonna get this document just slightly updated for you because the a 200 is actually Australian 200, not a beta share global agriculture company. So don't sign this until I go back and get this altered for you. I just wanna update the name of that one because it's incorrect. But the a 200 is the Australian BetaShares OZY 200. It's giving you access to the top 200 companies in on the ASX. The a 200, essentially, is still keeping your Australian exposure into Australian equities. It's just that it has performed better over the past couple of years. It's not as up and down as Bennelong. Bennelong was sort of put in your portfolio to give you a bit of active management, but they haven't really been actively managing everything. And some of their underlying investments have not been performing nicely. So, unfortunately, we've reviewed them as an investment for you. It's not performing, so I figured we're doing this advice anyway. Let's take the opportunity to go back and remove that out of there and update your portfolio for you as well. Okay? Beautiful. You don't as such, but it is part of the S and P 500 as well. So and I think there's some in the beta share cybersecurity. Let me just double check the underlines there. They don't tell you exactly what's in all of them, but you do have access to some of them by here. Yeah. Right. That'll be interesting. It kinda went through a bit of a a boom phase and took a bit of a dip, didn't it? Yeah. Yeah. Yep. Yeah. Yeah. So having a look at this, it is one of the top 10 holdings within the S and P five hundred. So you do have some of that. Yeah. That's perfect. It gives you good absolute exposure. One of the benefits to having the S and P five hundred and the a 200 there is that you are always investing in those top companies. So what a lot of people sort of unaware of is while there's a lot of, unsurety in the market about The US and about equities as a whole at the moment, it has been quite volatile. I'm not sure if you've watched the news. You probably haven't got time with everything you've got going on. But, essentially, with the S and P 500, it tracks the S and P 500 index. So that with the index there, the index well, the people who the investment committee around the index, they meet every quarter. Then, essentially, they are deciding which companies fit the criteria to be within the S and P 500 and same with the the Aussie 200, the ones that you know, what companies meet that criteria to remain in that sort of indexes. And if they don't meet that criteria, they are removed and placed with something else. So you can rest assured you are always invested in the top 500 companies in the S and P and with the a 200, the Australian top 200 companies there. And when those companies are long no longer performing and don't meet the criteria, they are flicked out of there and something else replaces it, which is really good. Okay? Yeah. You're still gonna have a bit of ClearBridge infrastructure income fund. It's giving you some infrastructure which is good for diversification, and then we'll have some core composite bonds in there as well. So we are removing the bank hybrids and adding core composite bonds in there, which is a benefit. Essentially, the the BetaShares Bank hybrids those bank hybrids are gonna be phased out in the future. So we thought it was better, whilst we're altering your portfolio now, to remove them now. That way, we don't have to worry about down the track. We adjust the portfolio now, and then you've got time for your portfolio to, you know, recover and keep growing and benefit from the changes. Does that make sense? Yep. Yeah. Yeah. No. That's honestly absolutely okay. It's not an issue at all. As part of the advice document, I do outline the do outline, sorry, the advantages, disadvantages, and the risks involved of the strategies that we are providing. We have had a bit of a look there as well, and there are CGT consequences, and it's important to make sure you are aware of them as well. So when we kind of went back and had a look at everything, the capital gains effect on your super fund is about $815 there. So that's estimated as per the research. Your super fund does the does tax returns every year for you anyway, So they will just account for that as part of it. It'll all be done as part of the switch. And then when your tax when your super fund does a tax return at the end of the financial year, they'll account for that capital gain as they need to. But to complete the switch and get better performance, and, realistically, the capital gain is about $815, but we're saving approximately $700 in investment fees by making the switch. So it kinda evens itself out at the end of the day as well. Yeah. The advantages here, I have recommended retaining hub twenty four. There are no real changes to the platform that require us to maybe look at reviewing that in any way, shape, or form. It's still providing a benefit. With hub twenty four, they allow us to have a lot of different options. They actually hold about 1,178 different investment options between Australia, US, and globally. So we do have really good options to be able to alter the portfolios and make changes as we need to, which is fantastic. With the disadvantages there, there are capital gains effects for, obviously, making the portfolio switch. But when I kinda out you know, look at the the capital gains effect as opposed to the investment savings and the long term effect that it can have on your super, it kind of outweighs the CGT effect, and it was really better to make the alterations now for you, especially if you're not quite 50 yet. You still got a bit of time ahead of you there. So you've got some time to allow your portfolio to continue growing, and we wanna make check this with you every year as we have just to make sure that it can remains in line with your needs and your goals and that we are working harder towards your retirement as well. Okay. Yeah. Do you have any questions at all so far? No? All good. It is all very straightforward. That's essentially all I needed to kinda go through there for you. Down on page number 27, we do sorta have the affected projection showing you the outcome there if you didn't have any insurances. So, like, we're not making any additional recommendations on the insurances, but because they are paid out of your super fund, it is important to say that. You'll see the current and recommended projection table there, but then you can also see the difference. If you had no insurance that's paid out of super, the overall ten year impact could be quite higher if you got that great rate of return every year moving forward as well. So that's just sort of showing you the difference. It's one of those things. Having insurance is important. You either pay it in super or out of pocket. In super means it's coming out of your fund and can affect, obviously, long term retirement goals, whereas out of your back pocket makes it harder to cover when we don't have an expenditure isn't really working in our favor. But it is a bit of a juggling act as well because your insurances are quite expensive and will get more expensive over time. We wanna review those with you to make sure they stay in line with your goals, but that you're not it's not eating away too much if you sleep at the end of the day as well. Okay. Yep. Perfect. The advice has been provided at no additional cost. You pay an ongoing service fee for our services as you are our client. You pay 1.65% as an ongoing service fee. That is paid out of super on a monthly basis as a 1.65 is the yearly amount. We do cap those at 600,000 currently. And on page number, sorry, 30, you'll see how much the estimated fee is. It's also in this projection table above there for you as well. Essentially, as an ongoing service client, we're here to review your circumstances, look at providing the advice documents, and making sure we're working towards your retirement goals and altering the strategies as your life changes. Because as much as, you know, sixteen years doesn't feel like a long time away, it is. There's a lot of things that could change in that time, and we could provide another 12 to 16 documents in that time frame to update your circumstances as well. Okay? Perfect. With the insurances, we do also note here that we do receive remuneration ongoing from the premium stamp. This outlines the total for the year that we are expected to receive. It is 2222% ongoing. The remuneration is not the main thing for insurances. Insurances are there to meet your goals, and our recommendations should always be in your best interest. But we don't want your premiums to either way get super you know, as you get close to retirement as well. So we will review those moving forward, making sure to keep the the cost as low as possible. But we just like to outline the ongoing remuneration so you can see essentially how much we do receive from those insurance premiums, all part of being open and honest and clear with everything we've got. Okay? Beautiful. Do you have any questions? It's all pretty straightforward. Beautiful. What I wanna do, there is just that one section I wanna have updated. So I will just have a slight update done on the advice document. Don't sign it yet. I will just probably cancel this this DocuSign. I'll get it updated, and then I'll resend it through to you. And then once you get it through, there'll be a text box on the very last page. You can just note down there if you're comfortable that you don't wish to proceed with the salary sacrifice due to your changes and circumstances. And then we can, have another catch up in about a month's time and just kind of reassess that if you like. Okay? Beautiful. Did you want me to book in a time in about a month now while I've got you here just so we've got that in the calendar ready to go? Absolutely. Is this time of day better for you? Or yep. Perfect. You're right. I have availability on Wednesday, April 15. Is that okay? Is this a few days beforehand? Yep. Beautiful. And I'll make it there at 03:30. Perfect. So I've booked that one in for you. I'll add a little text message reminder as well for you, Scott, and we can kind of have a chat about where things are up to with you and what we need to maybe look at. Okay? Perfect. Thank you so much. I'll get that updated, and I'll resend it through to you shortly. Thank you. I'll talk to you soon. See you later. 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Scott. It's Dana from OC Financial. How are you this afternoon? You do? Yeah.\n\nIs now okay, or is not if it doesn't suit, that's okay. We can reschedule it. It's all good? Oh, that's okay. That's honestly okay.\n\nIt's not a problem at all. Do you happen to have access to your emails? If you don't, it's not a problem at all. You do? Yep.\n\nYeah. Right. Not a problem at all. That was good timing then. No.\n\nThat's all good. Not a worry at all. Just while you are getting your sort sorted there, just to let you know, we do record our calls for quality and training purposes. You're happy for me to proceed with that? Yep.\n\nBeautiful. And I'll just do security quickly with you as well. Just for you to confirm your full name, address, and date of birth I should have. Yep. Yep.\n\nPerfect. Thank you so much for that. Beautiful. I've just sent the email through to you that your email address got soyao24@gmail.com. If you wanted to pop in there when you got a second and pull up the document, we can just go through the updated advice together if you like.\n\nI've got plenty of time booked out, so don't you sort of are working your time frame, so you just let me know when you're ready. Yeah. Yep. Absolutely. Yeah.\n\nSo no. No. So we have sort of just changed the way the business model has been sort of working because I did your annual review last year and wanted to, you know, help you to sort out your your financial situation and look at your strategies moving forward. You've come on to my book permanently now, so you and I'll make sure we catch up regularly. There has been some changes to the market conditions as well, so I've taken that opportunity to maybe alter your portfolio a little bit with you as well, and I'll show you what that looks like.\n\nOkay? Perfect. Excellent. Now when you open the email there, there normally is a button that says sign. Otherwise, I've also attached the statement of advice there for you as a an attachment.\n\nBut if you press that button, it'll let you go through so you can open the document. I'm never gonna ask you to sign anything you haven't read, so it won't ask you it won't it won't force you to sign anything as you are going through to review that one. Okay? Yeah. It just opens it up.\n\nIt shouldn't yeah. And you should be able to scroll up and down that one. Let me know if it doesn't work at all. Yep. You're right.\n\nHow's your day been otherwise? Yeah. Yeah. No. No.\n\nThat would have been one of my lovely admin team members. Yeah. Okay. Perfect. So there could be some changes here.\n\nYeah. Yep. Yep. Okay. Right.\n\nYeah. Yeah. Absolutely. So how long are you still gonna be working with this employer for? Okay.\n\nYeah. Okay. No worries at all. Perfect. Yeah.\n\nAbs absolutely. Well, in saying that, I don't know how much of this some of the advice will definitely be appropriate for you, but there may have to be some changes to the advice that we are sort of looking at. Just, essentially, you're not taking on board some of the recommendations just because your income might have definitely dropped quite significantly in that time frame. But I'll go through this with you. I'll point out exactly what I have recommended.\n\nIs you so you're definitely looking to go into employment for yourself moving forward? You'll just be self employed, or are you is there still a chance you might be looking for employment elsewhere? Or yep. Yep. Okay.\n\nYeah. Yeah. Absolutely. No. That's okay.\n\nNot a problem at all. But what I do is I'll run through this advice piece with you. I'll let you know what I have recommended, how and why and how it was meant to affect with the current circumstances. What I'll get you to do is take it back and read it. Some of the advice are still gonna be appropriate, but it might just be the scallop facts and the the contribution side that won't really be appropriate anymore.\n\nBut have a think about it and let me know what you think anyway. If there is any once you've kind of had these changes to your employment, we might check-in in a couple of weeks with you just after the changes, after you stop this job and sort of see where things are up to And just do a bit of a catch up then as well and see whether we need to reupdate the advice down the track there as well. Okay? Perfect. That's okay.\n\nYou're fine. But, look, honestly, it sounds like there's some good things on the horizon for you. So with them closing down the electrical side of things, there should be plenty of work out there for you to start up your own business. Yeah. Oh, fantastic.\n\nPerfect. Yeah. Yeah. No. That's good.\n\nThat'll be fantastic. I mean, good things on the horizon for you at least anyways. So yeah. And having some long service leave and sick leave to fall back on will give you a bit of a buffer as well for expenditure and living and things like that. Yeah.\n\nAll good. Has that one opened up again there for you at all? Yep. Perfect. So the advice document has been prepared for yourself as of the 03/17/2026, prepared by myself, Dana Taylor.\n\nOn the very front there, you'll see my authorized representative number of 1304394. So I'm an authorized representative of Oakview Financial, and that's my registered license number. So I'm registered through Asic as a financial adviser. Okay? The next page outlines the best interest, Judy.\n\nSo just, like, making sure that you're aware we wanna do catch ups and regular reviews with you every year to make sure that you're on track towards meeting your goals. Obviously, with this advice piece, it is based on your past situation, so there are some changes to come. So I'll just run through the recommendations there with you. I'll note the parts that may not be appropriate anymore. And then what we'll do is we'll get you to work out what you are comfortable undertaking.\n\nAnd then in a couple of weeks, we might just go back and update some changes to the recommendations there. Okay? Perfect. With regard to the scope of advice, I was looking mostly at superannuation, making sure it was working really well for you. I know you were happy last year when we spoke.\n\nYou were happy with the way your portfolio was going. However, since then, there have been some changes to the investments. So there have been some underperforming investments in there, so I wanted to remove those and make sure your portfolio is always working harder for you. Back when we did speak last year, you were comfortable undertaking and making an additional salary sacrifice into the super. That may change given your circumstances.\n\nBut I will just go through the recommendations I made, and then you get to determine, you know, what you're comfortable with. And if there's a level of contribution you're comfortable with, we can always go and have a look at how that affects you. Okay? All good. Yeah.\n\nYeah. Yep. You absolutely can. You can do whatever you like most definitely. So if you're, you know, wanting to put a regular amount in there, you can pick either, like, a regular dollar figure amount.\n\nOr if you're just sort of working more some weeks and less other weeks and there's more of a contribution you wanted to have in super, you can absolutely transfer that in. You can do it one of two ways depending on how you're paying yourself. One is a deductible contribution where you just pay the lump sum in on a regular basis, or you can even just save it aside and do it once a year at the end of financial year, you let me know once you put that money in there, and I can organize a notice of intent, which makes that contribution concessional. It's where the the super fund takes the tax out of the inside super. And because you've paid that con made that contribution from your bank account, you'll be able to use that as a bit of a tax deduction as well at the end of the year to help you along.\n\nSo yeah. But what we'll do is I can when we catch up in a couple of weeks, I'll probably make it just after Easter. So we'll wait for you to finish up with this role and sort of work out what you're doing moving forward. And then you and I can have another catch up there, Scott. We can talk about what's changed, and we can even go back and update the advice to reflect changes to the contributions and show you how that, you know, might affect you moving forward in your retirement goals there.\n\nOkay? Yep. Yeah. Yep. Wait till next.\n\nYep. Yeah. There's a lot of things to think about. Nope. Perfect.\n\nWith regard to this advice document, I have limited scope in the retirement needs. So we were working towards your retirement goals. So we're not quite, at the point where we are talking about a retirement drawdown. However, because retirement is looking about sixteen years away from where you are at the moment, it is appropriate to make sure we're showing you the long term effects based on the recommendations that we are making and sort of giving you an idea of where you're tracking forward to. We have also left in a a tool limited scope the insurance side of things.\n\nSo we're not making any additional recommendations on insurances. You were happy with the level of cover you had. However, they are paid out of your super funds, so it does have an effect on your retirement and your retirement income stream at the end of the day. So it's important to factor those in insurances into the recommendations for you. Okay?\n\nOn the next page, areas that we're not focusing on at the moment is the cash flow and budgeting. You're looking to build a shed and also go on a bit of a holiday there. So we're not sort of providing any additional support or advice around the cash flow and budgeting side of things. If you do want that down the track, you're welcome to let me know. I can definitely help you out.\n\nWe just get a budget plan that completed to be able to assess your financial circumstances personally. We're not sort of helping with regard to the debt management of the investment property at the moment. Do you still have that property as well? Yep. Yep.\n\nPerfect. We can, down the track, help you with some, you know, strategies with paying down the debt a little bit faster if you would like those as well. And the estate planning side of things, you did have a beneficiary on file. You were comfortable with the way that was. They're not making any changes to that now, but we wanna review these things with you as your life changes as well.\n\nOkay? Sorry. The phone just cut out, Scott. Can you repeat that for me? Okay.\n\nPerfect. Yeah. Yeah. It absolutely can be. With regard to transferring the property and stuff like that, you are then transferring the ownership into the trust.\n\nSo you will need to speak to a mortgage broker to make sure that the loan can be essentially redone once the property is transferred into the trust and speaking to your account to look at, obviously, the transfer, what that looks like CGT wise for you, and often the stamp duty and things like that to account for as well. So definitely have a have a look at that. If you do need any additional information around those sorts of things, you're welcome to give us a call as well. Okay? Perfect.\n\nThis is a limited scribe a scope advice document. So the areas that are scoped in are noted above there. Just making sure that you're aware we're scoped in certain areas for where we are making recommendations, limited scope to areas where there's no maybe recommendation made. But there's a long term effect that we need to take into account there for you, and then scoping out any areas that we're not providing advice on. Before taking on the advice, it's important because it is limited scope that you do review and have a bit of a range of the document, and you can let us know what any certain areas that you're not comfortable taking on board.\n\nOn the very last page of the document where there's a sign, there's normally a text box there. And if there's any areas that you're not comfortable taking on or don't wish to proceed with, we just get you to write that in that section there. Worst case, you can always email me and let me know that there's a certain section that you're not wanting to take on board. Okay? With when it comes to the estate planning side of things, we're not lawyers, so we do refer you through to a lawyer for the drafting of wills and power of attorneys and things like that.\n\nWhen it comes to insurances, we look at personal insurances, so life, TPD, income protection, and trauma, and things like that. Certain business insurances also apply. Other types of business insurance, business lie personal liability, house contents, motor insurances, things like that. They're technically general insurance products, so we don't provide advice around those. However, we can refer you to a general insurance broker should you need the services of one.\n\nAnd under the Better Advice Act 2021, I'm a qualified tax relevant provider, which means that I can provide financial advice in relation to sorry. I can provide financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your return for you. We like to think we're more exciting than accountants. We help you to minimize the tax before the event.\n\nThey tend to tell you how much tax to pay after it's already occurred. With to make this a bit easier on you, if you scroll down there, page number seven, this is essentially the information that we had on you. I know, obviously, your income could definitely be changing, and your occupation will be changing over the course of the next few months there as well. But are there any additional things that maybe need to be altered or may have changed since we last spoke? Yeah.\n\nThat will that will definitely change. Yeah. It's probably right for now, but it'll probably definitely change in the near future. Yeah. The same.\n\nOh, fantastic. Yep. You have a lot going on at the moment. Yeah. Yeah.\n\nYep. Oh, that's really good. That's what you kinda aim for. No. It's perfect.\n\nYeah. No. Perfect. The next page does note your assets and liabilities as we had noted. Are there any major changes you would like there?\n\nI know when Jacob booked you in the other day, he did sort of check the fact fine. There was no significant changes to to note down. But is there anything there that you would want updated at all? Yep. No.\n\nUnderstandable. All good. And the next page outlines your current superannuation and your insurance history preview at the moment. So just for your reference, you do have your life and TBD cover and your income protection benefit. The life and TBD sum insured are currently 260,125, all paid out of super.\n\nAnd then you've got your income protection policy there, which provides a monthly benefit free tax free income tax of 4,855. You do have a nice day waiting period and an age 65 benefit period on that one at the moment. Okay? You are currently sorry. You're right.\n\nYeah. Yep. That's all good. The the premium for this one is about 4,060 currently. It is really important that we do review these moving forward as well because these policies do get more expensive as you get older as the risk of you making a claim increases.\n\nSo we don't want these to eat away your super, especially if your contributions start to decrease. So we'll just make sure we're reviewing these, looking at the level of cover you need, you have, how much you're paying for them, and reviewing things moving forward with you as well. Okay? Perfect. If you scroll down for me to page number 12, this is essentially where the recommendations are starting, and I'll kinda just go through it with you.\n\nSo this is a projection table that's showing that at the moment, you've got your hub twenty four super fund there with the current balance, and then you've also got your administration fees, investment fees, any other fees applicable to the fund, your current contributions you're making, and the ongoing service fee there as well, and then your insurance premiums listed and noted also. Okay? With the, sorry, you're in a growth portfolio at the moment, and it's less than a five year rolling average. This has averaged about 14.2% on a yearly basis. We know you don't always get that every single year, but this is essentially how it has over the past five years averaged the return.\n\nIt's actually not doing too bad. And, realistically, over the next five to ten years, if you got the same return moving forward, you can sort of see where it's projected to go. With the recommended there, the keeping with hub twenty four the same balance there, Your administration fees, investment fees, any other fees applicable there. The ongoing service fee does increase slightly because, obviously, we're factoring in growth in the portfolio and then your contributions. So with this one here at the moment, you have been making about $50 on a fortnightly basis salary sacrificing the super over and above your employer contributions.\n\nI am making a recommendation that we alter the or sorry. Alter the portfolio. We do a bit of a rebalance there and also remove some of the underperforming funds. But I'm also making $100 on a fortnightly basis. So it's something we did sort of discuss late last year.\n\nYou were comfortable increasing it by that $50 on a a fortnightly basis just to sort of see if that can help you help you make your super work a bit harder there. I am well aware that with all the changes here, that might not be possible. So we can just catch up in a few weeks and sort of see where you're going and update and alter the advice to reflect that for you. Okay? The insurance premiums won't change because there's no alteration to the insurances currently.\n\nBut with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years. So if the markets work the way we want them to and if you can project that forward and if you got the same return over the next five to ten years, you can sort of see what might be projected there for you. Okay? Perfect. Just going back up to the very top there, you'll see the investment fee is slightly different between the two recommended and the current fund there.\n\nWith the changes, and I'll take you through those in a second, essentially, we are saving you about $707 in investment fees by making the alteration to the investment portfolio for you as well. Okay? Perfect. If you scroll down there for me to page number 14. Now as I kinda mentioned before, it's important to take on the long term effect of the recommendations there.\n\nSo you'll see this is more of a conservative projection to sort of show what we'd expect. Realistically, when we look at the projections at the top, they are lovely and beautiful. However, it does depend upon the portfolio giving you that kind of rate of return every year moving forward, which we know is not realistic, and you're not gonna get that right up into the age of retirement there. So where I'd sort of expect you to land with regards to the projected outcome is either in between this and the top section there for you. With these projections here, they are just more of a conservative projection showing that, you know, by with the current salary sacrifice arrangement, if you got a lower rate of return moving forward, this is where you could be projected to end up at the age of retirement there.\n\nAnd because we were looking at an income a target income amount of about 80,000, whilst this does allow you to draw that kind of money down from the age of 65 onwards, it is kind of just under the target balance a little bit. And this is taking into account also being able to access age pension from age 67 there as well for you. So the benefit based on current eligibility, and this will be reviewed kinda further down the track for you as well. You and I will make sure that we're looking at it. And when you get closer to retirement, you're sort of a year or two out.\n\nWe'll really focus on what the drawdown looks like and what you'll be eligible for. But this is sort of show you that under your current circumstances, whilst you are sort of closer to being able to access the target retirement income, the projection does still look really good. It's it's still about 11,000 less than your target on a yearly basis, but does give you access to age pension, which is kinda cool. Age pension will help you draw out less out of your super long term, so it can help provide a bit of longevity there for you as well. There for you as well.\n\nOkay? With the recommended of increasing the salary sacrifice to a $100 per fortnight, you can see the projected outcome based on the conservative projection is slightly higher. And when you sort of look at the income side of things, it actually reduces that gap slightly. So you're a little bit closer to being able to access the $80,000 on a yearly basis. It's still factoring in eligibility for age pension, but your super is also lasting a little bit longer there as well.\n\nSo you can sort of see the difference between increasing that salary sacrifice a bit there as well. Does that make sense? Yeah. Perfect. That was the recommendation for the salary sacrifice sort of things.\n\nI know it's probably not gonna be possible at the moment, so that's absolutely okay. What I will get you to do, if you're once you sort of had a reach for the document and decided, if you wanted to on the back page of that, you can just write there that due to change in circumstances, you don't wish to proceed with the salary sacrifice arrangement, And then we can just catch up in a couple of weeks' time and talk about the changes and what things look like for you, and then we can always update the advice to reflect changes to the to the income and the contributions for you. Does that sound okay? Yep. Yeah.\n\nOne month? Perfect. After this call, if you like, I'll book it back in for you. Yeah. Perfect.\n\nPerfect. Now if you scroll down there for me to page number 19, this is running you through the changes to the investment portfolio. So as per the projection table above there, this is essentially showing you I had made some recommendations to alter the portfolio so that you're still staying within that growth environment, not taking on any extra risk. You're staying within your risk profile, but also making sure that we did remove some underperforming investments and make some changes to rebalancing for you as well. Okay?\n\nSo with this one here sorry. You'll see that we are removing fully the bank hybrids. So with these ones here, they are about to be phased out, so we are taking the opportunity to remove them fully from your portfolio. And then with the agriculture, we'll just be rebalancing that a little bit, buying a bit more in so you'll keep the food. Physical gold has been doing really, really well, and it has been performing nicely in your portfolio, but we just wanna rebalance it because you're a bit overexposed there at the moment.\n\nSo we'll be selling a bit of the physical gold and just it's good to kinda cement those gains every now and then. Cementing the gains allows the money to be recompounded back, invested into the other investments, allowing it to continue to grow. You'll keep some of the cybersecurity there. We'll be buying a bit more in, so you have about 7% in there. And the S and P five hundred will be selling a bit of that to kind of rebalance you back a little bit.\n\nWe've also got the beta shares Rafi Aussie two 100 there. We're gonna be selling some of that to rebalance your portfolio back. And then also the Benelog Australian Equities, we'll see, that is the one that has been underperforming, unfortunately. So as of late last year, early this year has been underperforming, has been quite volatile, and it's been pulling everyone's portfolio back a little bit. So we have made a business decision to remove the bend along out of there.\n\nI'm not sure if you remember back, but over the last couple of years, it has been a bit up and down. So we have made that decision to remove that investment from your portfolio solely. The fact that it has had a significant loss on most people's portfolios means we can offset some of the gains by race right? By rebalancing your portfolio out, which is a benefit for you. And then we're gonna put all that into the a 200, which is the second one from the bottom there.\n\nI've actually noticed that the the name of that one's wrong. I'm gonna get this document just slightly updated for you because the a 200 is actually Australian 200, not a beta share global agriculture company. So don't sign this until I go back and get this altered for you. I just wanna update the name of that one because it's incorrect. But the a 200 is the Australian BetaShares OZY 200.\n\nIt's giving you access to the top 200 companies in on the ASX. The a 200, essentially, is still keeping your Australian exposure into Australian equities. It's just that it has performed better over the past couple of years. It's not as up and down as Bennelong. Bennelong was sort of put in your portfolio to give you a bit of active management, but they haven't really been actively managing everything.\n\nAnd some of their underlying investments have not been performing nicely. So, unfortunately, we've reviewed them as an investment for you. It's not performing, so I figured we're doing this advice anyway. Let's take the opportunity to go back and remove that out of there and update your portfolio for you as well. Okay?\n\nBeautiful. You don't as such, but it is part of the S and P 500 as well. So and I think there's some in the beta share cybersecurity. Let me just double check the underlines there. They don't tell you exactly what's in all of them, but you do have access to some of them by here.\n\nYeah. Right. That'll be interesting. It kinda went through a bit of a a boom phase and took a bit of a dip, didn't it? Yeah.\n\nYeah. Yep. Yeah. Yeah. So having a look at this, it is one of the top 10 holdings within the S and P five hundred.\n\nSo you do have some of that. Yeah. That's perfect. It gives you good absolute exposure. One of the benefits to having the S and P five hundred and the a 200 there is that you are always investing in those top companies.\n\nSo what a lot of people sort of unaware of is while there's a lot of, unsurety in the market about The US and about equities as a whole at the moment, it has been quite volatile. I'm not sure if you've watched the news. You probably haven't got time with everything you've got going on. But, essentially, with the S and P 500, it tracks the S and P 500 index. So that with the index there, the index well, the people who the investment committee around the index, they meet every quarter.\n\nThen, essentially, they are deciding which companies fit the criteria to be within the S and P 500 and same with the the Aussie 200, the ones that you know, what companies meet that criteria to remain in that sort of indexes. And if they don't meet that criteria, they are removed and placed with something else. So you can rest assured you are always invested in the top 500 companies in the S and P and with the a 200, the Australian top 200 companies there. And when those companies are long no longer performing and don't meet the criteria, they are flicked out of there and something else replaces it, which is really good. Okay?\n\nYeah. You're still gonna have a bit of ClearBridge infrastructure income fund. It's giving you some infrastructure which is good for diversification, and then we'll have some core composite bonds in there as well. So we are removing the bank hybrids and adding core composite bonds in there, which is a benefit. Essentially, the the BetaShares Bank hybrids those bank hybrids are gonna be phased out in the future.\n\nSo we thought it was better, whilst we're altering your portfolio now, to remove them now. That way, we don't have to worry about down the track. We adjust the portfolio now, and then you've got time for your portfolio to, you know, recover and keep growing and benefit from the changes. Does that make sense? Yep.\n\nYeah. Yeah. No. That's honestly absolutely okay. It's not an issue at all.\n\nAs part of the advice document, I do outline the do outline, sorry, the advantages, disadvantages, and the risks involved of the strategies that we are providing. We have had a bit of a look there as well, and there are CGT consequences, and it's important to make sure you are aware of them as well. So when we kind of went back and had a look at everything, the capital gains effect on your super fund is about $815 there. So that's estimated as per the research. Your super fund does the does tax returns every year for you anyway, So they will just account for that as part of it.\n\nIt'll all be done as part of the switch. And then when your tax when your super fund does a tax return at the end of the financial year, they'll account for that capital gain as they need to. But to complete the switch and get better performance, and, realistically, the capital gain is about $815, but we're saving approximately $700 in investment fees by making the switch. So it kinda evens itself out at the end of the day as well. Yeah.\n\nThe advantages here, I have recommended retaining hub twenty four. There are no real changes to the platform that require us to maybe look at reviewing that in any way, shape, or form. It's still providing a benefit. With hub twenty four, they allow us to have a lot of different options. They actually hold about 1,178 different investment options between Australia, US, and globally.\n\nSo we do have really good options to be able to alter the portfolios and make changes as we need to, which is fantastic. With the disadvantages there, there are capital gains effects for, obviously, making the portfolio switch. But when I kinda out you know, look at the the capital gains effect as opposed to the investment savings and the long term effect that it can have on your super, it kind of outweighs the CGT effect, and it was really better to make the alterations now for you, especially if you're not quite 50 yet. You still got a bit of time ahead of you there. So you've got some time to allow your portfolio to continue growing, and we wanna make check this with you every year as we have just to make sure that it can remains in line with your needs and your goals and that we are working harder towards your retirement as well.\n\nOkay. Yeah. Do you have any questions at all so far? No? All good.\n\nIt is all very straightforward. That's essentially all I needed to kinda go through there for you. Down on page number 27, we do sorta have the affected projection showing you the outcome there if you didn't have any insurances. So, like, we're not making any additional recommendations on the insurances, but because they are paid out of your super fund, it is important to say that. You'll see the current and recommended projection table there, but then you can also see the difference.\n\nIf you had no insurance that's paid out of super, the overall ten year impact could be quite higher if you got that great rate of return every year moving forward as well. So that's just sort of showing you the difference. It's one of those things. Having insurance is important. You either pay it in super or out of pocket.\n\nIn super means it's coming out of your fund and can affect, obviously, long term retirement goals, whereas out of your back pocket makes it harder to cover when we don't have an expenditure isn't really working in our favor. But it is a bit of a juggling act as well because your insurances are quite expensive and will get more expensive over time. We wanna review those with you to make sure they stay in line with your goals, but that you're not it's not eating away too much if you sleep at the end of the day as well. Okay. Yep.\n\nPerfect. The advice has been provided at no additional cost. You pay an ongoing service fee for our services as you are our client. You pay 1.65% as an ongoing service fee. That is paid out of super on a monthly basis as a 1.65 is the yearly amount.\n\nWe do cap those at 600,000 currently. And on page number, sorry, 30, you'll see how much the estimated fee is. It's also in this projection table above there for you as well. Essentially, as an ongoing service client, we're here to review your circumstances, look at providing the advice documents, and making sure we're working towards your retirement goals and altering the strategies as your life changes. Because as much as, you know, sixteen years doesn't feel like a long time away, it is.\n\nThere's a lot of things that could change in that time, and we could provide another 12 to 16 documents in that time frame to update your circumstances as well. Okay? Perfect. With the insurances, we do also note here that we do receive remuneration ongoing from the premium stamp. This outlines the total for the year that we are expected to receive.\n\nIt is 2222% ongoing. The remuneration is not the main thing for insurances. Insurances are there to meet your goals, and our recommendations should always be in your best interest. But we don't want your premiums to either way get super you know, as you get close to retirement as well. So we will review those moving forward, making sure to keep the the cost as low as possible.\n\nBut we just like to outline the ongoing remuneration so you can see essentially how much we do receive from those insurance premiums, all part of being open and honest and clear with everything we've got. Okay? Beautiful. Do you have any questions? It's all pretty straightforward.\n\nBeautiful. What I wanna do, there is just that one section I wanna have updated. So I will just have a slight update done on the advice document. Don't sign it yet. I will just probably cancel this this DocuSign.\n\nI'll get it updated, and then I'll resend it through to you. And then once you get it through, there'll be a text box on the very last page. You can just note down there if you're comfortable that you don't wish to proceed with the salary sacrifice due to your changes and circumstances. And then we can, have another catch up in about a month's time and just kind of reassess that if you like. Okay?\n\nBeautiful. Did you want me to book in a time in about a month now while I've got you here just so we've got that in the calendar ready to go? Absolutely. Is this time of day better for you? Or yep.\n\nPerfect. You're right. I have availability on Wednesday, April 15. Is that okay? Is this a few days beforehand?\n\nYep. Beautiful. And I'll make it there at 03:30. Perfect. So I've booked that one in for you.\n\nI'll add a little text message reminder as well for you, Scott, and we can kind of have a chat about where things are up to with you and what we need to maybe look at. Okay? Perfect. Thank you so much. I'll get that updated, and I'll resend it through to you shortly.\n\nThank you. I'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Scott.","start":4.72,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.1569339632987976},{"text":"It's Dana from OC Financial.","start":5.3599997,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2036468803882599},{"text":"How are you this afternoon?","start":7.12,"end":8.34,"sentiment":"neutral","sentiment_score":0.26858881711959837},{"text":"You do?","start":11.36,"end":11.84,"sentiment":"neutral","sentiment_score":0.12971526384353638},{"text":"Yeah.","start":11.84,"end":12.16,"sentiment":"neutral","sentiment_score":0.05703703686594963}],"sentiment":"neutral","sentiment_score":0.19943426524599392,"num_words":15,"start":4.72,"end":12.16},{"sentences":[{"text":"Is now okay, or is not if it doesn't suit, that's okay.","start":12.16,"end":15.2,"sentiment":"neutral","sentiment_score":-0.06585374365871151},{"text":"We can reschedule it.","start":15.2,"end":16.485,"sentiment":"neutral","sentiment_score":-0.13529041223227978},{"text":"It's all good?","start":16.485,"end":22.485,"sentiment":"neutral","sentiment_score":0.006338840971390407},{"text":"Oh, that's okay.","start":22.485,"end":23.525,"sentiment":"neutral","sentiment_score":0.16647680352131525},{"text":"That's honestly okay.","start":23.525,"end":24.965,"sentiment":"positive","sentiment_score":0.37203754981358844}],"sentiment":"neutral","sentiment_score":0.012126120403409005,"num_words":25,"start":12.16,"end":24.965},{"sentences":[{"text":"It's not a problem at all.","start":24.965,"end":26.244999,"sentiment":"neutral","sentiment_score":0.277838870882988},{"text":"Do you happen to have access to your emails?","start":26.244999,"end":28.165,"sentiment":"neutral","sentiment_score":0.013379175215959549},{"text":"If you don't, it's not a problem at all.","start":28.165,"end":30.165,"sentiment":"neutral","sentiment_score":-0.08226064861648613},{"text":"You do?","start":30.165,"end":30.725,"sentiment":"neutral","sentiment_score":0.04390234686434269},{"text":"Yep.","start":30.725,"end":31.225,"sentiment":"neutral","sentiment_score":0.08297944813966751}],"sentiment":"neutral","sentiment_score":0.045106818761538575,"num_words":27,"start":24.965,"end":31.225},{"sentences":[{"text":"Yeah.","start":33.18,"end":33.58,"sentiment":"neutral","sentiment_score":0.047175221145153046},{"text":"Right.","start":33.58,"end":33.9,"sentiment":"neutral","sentiment_score":0.07182863354682922},{"text":"Not a problem at all.","start":33.9,"end":35.28,"sentiment":"neutral","sentiment_score":0.20029814541339874},{"text":"That was good timing then.","start":40.7,"end":42.32,"sentiment":"positive","sentiment_score":0.36690716743469237},{"text":"No.","start":49.515,"end":49.675,"sentiment":"neutral","sentiment_score":0.1562376618385315}],"sentiment":"neutral","sentiment_score":0.2393283139054592,"num_words":13,"start":33.18,"end":49.675},{"sentences":[{"text":"That's all good.","start":49.675,"end":50.895,"sentiment":"neutral","sentiment_score":0.24635008970896402},{"text":"Not a worry at all.","start":53.275,"end":54.715,"sentiment":"neutral","sentiment_score":0.10787668824195862},{"text":"Just while you are getting your sort sorted there, just to let you know, we do record our calls for quality and training purposes.","start":54.715,"end":59.89,"sentiment":"neutral","sentiment_score":0.1407207502052188},{"text":"You're happy for me to proceed with that?","start":59.89,"end":61.67,"sentiment":"positive","sentiment_score":0.3642488233745098},{"text":"Yep.","start":62.53,"end":62.85,"sentiment":"neutral","sentiment_score":0.2050320953130722}],"sentiment":"neutral","sentiment_score":0.1896281560383192,"num_words":41,"start":49.675,"end":62.85},{"sentences":[{"text":"Beautiful.","start":62.85,"end":63.25,"sentiment":"positive","sentiment_score":0.4852592945098877},{"text":"And I'll just do security quickly with you as well.","start":63.25,"end":65.17,"sentiment":"neutral","sentiment_score":0.28299008011817933},{"text":"Just for you to confirm your full name, address, and date of birth I should have.","start":65.17,"end":68.549995,"sentiment":"neutral","sentiment_score":0.14102033572271466},{"text":"Yep.","start":70.61,"end":71.11,"sentiment":"neutral","sentiment_score":0.04348337650299072},{"text":"Yep.","start":72.485,"end":72.985,"sentiment":"neutral","sentiment_score":0.03718713298439979}],"sentiment":"neutral","sentiment_score":0.19490193023250021,"num_words":29,"start":62.85,"end":72.985},{"sentences":[{"text":"Perfect.","start":75.045,"end":75.525,"sentiment":"neutral","sentiment_score":0.15205712616443634},{"text":"Thank you so much for that.","start":75.525,"end":77.125,"sentiment":"positive","sentiment_score":0.5179975678523382},{"text":"Beautiful.","start":77.125,"end":77.525,"sentiment":"positive","sentiment_score":0.5825846195220947},{"text":"I've just sent the email through to you that your email address got soyao24@gmail.com.","start":77.525,"end":82.905,"sentiment":"neutral","sentiment_score":0.25628685099737986},{"text":"If you wanted to pop in there when you got a second and pull up the document, we can just go through the updated advice together if you like.","start":83.285,"end":89.939995,"sentiment":"neutral","sentiment_score":0.13266783593029813}],"sentiment":"neutral","sentiment_score":0.22113745703416712,"num_words":51,"start":75.045,"end":89.939995},{"sentences":[{"text":"I've got plenty of time booked out, so don't you sort of are working your time frame, so you just let me know when you're ready.","start":90.24,"end":95.939995,"sentiment":"neutral","sentiment_score":0.15443743879978472},{"text":"Yeah.","start":102.015,"end":102.415,"sentiment":"neutral","sentiment_score":0.08621522784233093},{"text":"Yep.","start":102.415,"end":102.814995,"sentiment":"neutral","sentiment_score":0.1058349460363388},{"text":"Absolutely.","start":102.814995,"end":103.314995,"sentiment":"positive","sentiment_score":0.3352900743484497},{"text":"Yeah.","start":103.935,"end":104.335,"sentiment":"neutral","sentiment_score":0.08083334565162659}],"sentiment":"neutral","sentiment_score":0.1541182334224383,"num_words":30,"start":90.24,"end":104.335},{"sentences":[{"text":"So no.","start":104.335,"end":107.534996,"sentiment":"neutral","sentiment_score":0.0021988842636346817},{"text":"No.","start":107.534996,"end":107.854996,"sentiment":"neutral","sentiment_score":-0.0447692796587944},{"text":"So we have sort of just changed the way the business model has been sort of working because I did your annual review last year and wanted to, you know, help you to sort out your your financial situation and look at your strategies moving forward.","start":107.854996,"end":119.869995,"sentiment":"neutral","sentiment_score":0.1817367195111254},{"text":"You've come on to my book permanently now, so you and I'll make sure we catch up regularly.","start":119.869995,"end":124.225,"sentiment":"neutral","sentiment_score":0.15268738319476446},{"text":"There has been some changes to the market conditions as well, so I've taken that opportunity to maybe alter your portfolio a little bit with you as well, and I'll show you what that looks like.","start":124.924995,"end":133.245,"sentiment":"neutral","sentiment_score":0.17779662046167585}],"sentiment":"neutral","sentiment_score":0.16959775553889644,"num_words":103,"start":104.335,"end":133.245},{"sentences":[{"text":"Okay?","start":133.245,"end":133.745,"sentiment":"neutral","sentiment_score":0.09013815224170683},{"text":"Perfect.","start":134.67,"end":135.17,"sentiment":"positive","sentiment_score":0.6927371621131897},{"text":"Excellent.","start":137.47,"end":137.97,"sentiment":"positive","sentiment_score":0.5661723017692566},{"text":"Now when you open the email there, there normally is a button that says sign.","start":138.03,"end":141.57,"sentiment":"neutral","sentiment_score":0.1322656475007534},{"text":"Otherwise, I've also attached the statement of advice there for you as a an attachment.","start":141.87,"end":146.21,"sentiment":"neutral","sentiment_score":0.1337087725599607}],"sentiment":"neutral","sentiment_score":0.16177769445560194,"num_words":33,"start":133.245,"end":146.21},{"sentences":[{"text":"But if you press that button, it'll let you go through so you can open the document.","start":146.35,"end":150.05,"sentiment":"neutral","sentiment_score":0.14406028784373226},{"text":"I'm never gonna ask you to sign anything you haven't read, so it won't ask you it won't it won't force you to sign anything as you are going through to review that one.","start":150.325,"end":158.245,"sentiment":"neutral","sentiment_score":0.07672415503903347},{"text":"Okay?","start":158.245,"end":158.745,"sentiment":"neutral","sentiment_score":0.02803749404847622},{"text":"Yeah.","start":162.73999,"end":162.98,"sentiment":"neutral","sentiment_score":0.04706047475337982},{"text":"It just opens it up.","start":162.98,"end":164.18,"sentiment":"neutral","sentiment_score":0.0421429343521595}],"sentiment":"neutral","sentiment_score":0.09212860009022827,"num_words":58,"start":146.35,"end":164.18},{"sentences":[{"text":"It shouldn't yeah.","start":164.18,"end":166.01999,"sentiment":"neutral","sentiment_score":0.03545380383729935},{"text":"And you should be able to scroll up and down that one.","start":166.01999,"end":167.93999,"sentiment":"neutral","sentiment_score":0.06964801407108705},{"text":"Let me know if it doesn't work at all.","start":167.93999,"end":169.79999,"sentiment":"neutral","sentiment_score":-0.18743575985232988},{"text":"Yep.","start":172.01999,"end":172.34,"sentiment":"neutral","sentiment_score":0.02838357351720333},{"text":"You're right.","start":172.34,"end":173.15999,"sentiment":"neutral","sentiment_score":0.05182964261621237}],"sentiment":"neutral","sentiment_score":-0.022694125909496238,"num_words":27,"start":164.18,"end":173.15999},{"sentences":[{"text":"How's your day been otherwise?","start":173.85999,"end":175.31999,"sentiment":"neutral","sentiment_score":0.044866541773080824},{"text":"Yeah.","start":176.515,"end":177.015,"sentiment":"neutral","sentiment_score":-0.006726232822984457},{"text":"Yeah.","start":181.71501,"end":182.21501,"sentiment":"neutral","sentiment_score":-0.09205162525177002},{"text":"No.","start":183.395,"end":183.795,"sentiment":"neutral","sentiment_score":-0.23251786828041077},{"text":"No.","start":183.795,"end":184.035,"sentiment":"neutral","sentiment_score":-0.23936854302883148}],"sentiment":"neutral","sentiment_score":-0.038481284502065845,"num_words":9,"start":173.85999,"end":184.035},{"sentences":[{"text":"That would have been one of my lovely admin team members.","start":184.035,"end":186.35501,"sentiment":"neutral","sentiment_score":-0.061316792937842285},{"text":"Yeah.","start":186.35501,"end":186.85501,"sentiment":"neutral","sentiment_score":0.08430670201778412},{"text":"Okay.","start":192.37001,"end":192.87001,"sentiment":"neutral","sentiment_score":0.3119748830795288},{"text":"Perfect.","start":193.17,"end":193.67,"sentiment":"positive","sentiment_score":0.4929378628730774},{"text":"So there could be some changes here.","start":193.81,"end":195.99,"sentiment":"neutral","sentiment_score":0.16900852109704698}],"sentiment":"neutral","sentiment_score":0.06656163682540257,"num_words":21,"start":184.035,"end":195.99},{"sentences":[{"text":"Yeah.","start":197.25,"end":197.75,"sentiment":"neutral","sentiment_score":-0.039621319621801376},{"text":"Yep.","start":207.02501,"end":207.52501,"sentiment":"neutral","sentiment_score":-0.08227448165416718},{"text":"Yep.","start":211.825,"end":212.325,"sentiment":"neutral","sentiment_score":-0.13784953951835632},{"text":"Okay.","start":214.06001,"end":214.56001,"sentiment":"neutral","sentiment_score":-0.10812152922153472},{"text":"Right.","start":224.875,"end":225.375,"sentiment":"neutral","sentiment_score":-0.18767675757408145}],"sentiment":"neutral","sentiment_score":-0.1111087255179882,"num_words":5,"start":197.25,"end":225.375},{"sentences":[{"text":"Yeah.","start":233.43501,"end":233.755,"sentiment":"neutral","sentiment_score":0.022891229018568993},{"text":"Yeah.","start":233.755,"end":234.07501,"sentiment":"neutral","sentiment_score":0.06313815712928772},{"text":"Absolutely.","start":234.07501,"end":234.57501,"sentiment":"neutral","sentiment_score":0.10717343538999556},{"text":"So how long are you still gonna be working with this employer for?","start":234.875,"end":237.93501,"sentiment":"neutral","sentiment_score":0.02817831689921709},{"text":"Okay.","start":240.88,"end":241.38,"sentiment":"neutral","sentiment_score":0.04239316284656525}],"sentiment":"neutral","sentiment_score":0.03540671200436704,"num_words":17,"start":233.43501,"end":241.38},{"sentences":[{"text":"Yeah.","start":253.775,"end":254.275,"sentiment":"neutral","sentiment_score":0.05437162145972252},{"text":"Okay.","start":260.975,"end":261.475,"sentiment":"neutral","sentiment_score":0.046219974756240845},{"text":"No worries at all.","start":262.495,"end":263.775,"sentiment":"neutral","sentiment_score":0.03456573002040386},{"text":"Perfect.","start":263.775,"end":264.275,"sentiment":"neutral","sentiment_score":0.2894012928009033},{"text":"Yeah.","start":268.13,"end":268.63,"sentiment":"neutral","sentiment_score":-0.07704929262399673}],"sentiment":"neutral","sentiment_score":0.056400814559310675,"num_words":8,"start":253.775,"end":268.63},{"sentences":[{"text":"Abs absolutely.","start":268.77,"end":271.27,"sentiment":"neutral","sentiment_score":-0.03354893811047077},{"text":"Well, in saying that, I don't know how much of this some of the advice will definitely be appropriate for you, but there may have to be some changes to the advice that we are sort of looking at.","start":272.13,"end":281.255,"sentiment":"neutral","sentiment_score":-0.06261549727656902},{"text":"Just, essentially, you're not taking on board some of the recommendations just because your income might have definitely dropped quite significantly in that time frame.","start":282.035,"end":290.29498,"sentiment":"negative","sentiment_score":-0.35252765119075774},{"text":"But I'll go through this with you.","start":291.235,"end":293.47,"sentiment":"neutral","sentiment_score":0.013209660670586995},{"text":"I'll point out exactly what I have recommended.","start":293.47,"end":295.81,"sentiment":"neutral","sentiment_score":0.3079200778156519}],"sentiment":"neutral","sentiment_score":-0.10822796669823152,"num_words":81,"start":268.77,"end":295.81},{"sentences":[{"text":"Is you so you're definitely looking to go into employment for yourself moving forward?","start":297.06998,"end":301.31,"sentiment":"neutral","sentiment_score":0.2831577147756304},{"text":"You'll just be self employed, or are you is there still a chance you might be looking for employment elsewhere?","start":301.31,"end":306.05,"sentiment":"neutral","sentiment_score":0.11611572653055191},{"text":"Or yep.","start":306.11,"end":317.165,"sentiment":"neutral","sentiment_score":0.09028905257582664},{"text":"Yep.","start":317.165,"end":317.665,"sentiment":"neutral","sentiment_score":0.15748798847198486},{"text":"Okay.","start":317.725,"end":318.225,"sentiment":"neutral","sentiment_score":0.15440216660499573}],"sentiment":"neutral","sentiment_score":0.17839449467627624,"num_words":38,"start":297.06998,"end":318.225},{"sentences":[{"text":"Yeah.","start":323.66,"end":324.06,"sentiment":"neutral","sentiment_score":0.1009969413280487},{"text":"Yeah.","start":324.06,"end":324.3,"sentiment":"neutral","sentiment_score":0.1586485505104065},{"text":"Absolutely.","start":324.3,"end":324.8,"sentiment":"neutral","sentiment_score":0.23682008683681488},{"text":"No.","start":325.02,"end":325.26,"sentiment":"neutral","sentiment_score":0.1526971161365509},{"text":"That's okay.","start":325.26,"end":325.82,"sentiment":"neutral","sentiment_score":0.2330230548977852}],"sentiment":"neutral","sentiment_score":0.1858681341012319,"num_words":6,"start":323.66,"end":325.82},{"sentences":[{"text":"Not a problem at all.","start":325.82,"end":326.78,"sentiment":"neutral","sentiment_score":0.3197725713253021},{"text":"But what I do is I'll run through this advice piece with you.","start":326.78,"end":328.86,"sentiment":"neutral","sentiment_score":0.21793019771575928},{"text":"I'll let you know what I have recommended, how and why and how it was meant to affect with the current circumstances.","start":328.86,"end":334.365,"sentiment":"neutral","sentiment_score":0.09370372021062807},{"text":"What I'll get you to do is take it back and read it.","start":335.465,"end":337.305,"sentiment":"neutral","sentiment_score":0.0764574259519577},{"text":"Some of the advice are still gonna be appropriate, but it might just be the scallop facts and the the contribution side that won't really be appropriate anymore.","start":337.305,"end":344.98502,"sentiment":"neutral","sentiment_score":-0.11668711062520742}],"sentiment":"neutral","sentiment_score":0.05210055199302273,"num_words":81,"start":325.82,"end":344.98502},{"sentences":[{"text":"But have a think about it and let me know what you think anyway.","start":344.98502,"end":347.48502,"sentiment":"neutral","sentiment_score":0.054623479821852276},{"text":"If there is any once you've kind of had these changes to your employment, we might check-in in a couple of weeks with you just after the changes, after you stop this job and sort of see where things are up to And just do a bit of a catch up then as well and see whether we need to reupdate the advice down the track there as 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business.","start":377.03,"end":383.12997,"sentiment":"positive","sentiment_score":0.3947907800857837},{"text":"Yeah.","start":388.485,"end":388.985,"sentiment":"neutral","sentiment_score":0.22208033502101895},{"text":"Oh, fantastic.","start":390.405,"end":391.145,"sentiment":"positive","sentiment_score":0.6199479103088379}],"sentiment":"positive","sentiment_score":0.41998936916175095,"num_words":46,"start":373.27,"end":391.145},{"sentences":[{"text":"Perfect.","start":403.14,"end":403.64,"sentiment":"neutral","sentiment_score":0.1904900074005127},{"text":"Yeah.","start":405.62003,"end":406.12003,"sentiment":"neutral","sentiment_score":0.00006046611815690994},{"text":"Yeah.","start":409.795,"end":410.295,"sentiment":"neutral","sentiment_score":0.0797373354434967},{"text":"No.","start":410.435,"end":410.755,"sentiment":"neutral","sentiment_score":0.11720585823059082},{"text":"That's good.","start":410.755,"end":411.235,"sentiment":"positive","sentiment_score":0.35294200479984283}],"sentiment":"neutral","sentiment_score":0.18222961279874048,"num_words":6,"start":403.14,"end":411.235},{"sentences":[{"text":"That'll be fantastic.","start":411.235,"end":412.215,"sentiment":"positive","sentiment_score":0.7089590032895406},{"text":"I mean, good things on the horizon for you at least anyways.","start":412.275,"end":414.935,"sentiment":"positive","sentiment_score":0.4891440247495969},{"text":"So yeah.","start":415.155,"end":416.135,"sentiment":"neutral","sentiment_score":0.12028021365404129},{"text":"And having some long service leave and sick leave to fall back on will give you a bit of a buffer as well for expenditure and living and things like that.","start":416.675,"end":423.335,"sentiment":"neutral","sentiment_score":0.08096987549816409},{"text":"Yeah.","start":424.46002,"end":424.96002,"sentiment":"neutral","sentiment_score":0.13652291893959043}],"sentiment":"neutral","sentiment_score":0.2221174447664193,"num_words":49,"start":411.235,"end":424.96002},{"sentences":[{"text":"All good.","start":425.1,"end":425.84003,"sentiment":"neutral","sentiment_score":0.25746509432792664},{"text":"Has that one opened up again there for you at all?","start":426.30002,"end":428.72,"sentiment":"neutral","sentiment_score":0.06880695542151277},{"text":"Yep.","start":430.14,"end":430.64,"sentiment":"neutral","sentiment_score":0.02420542761683464},{"text":"Perfect.","start":432.38,"end":432.88,"sentiment":"neutral","sentiment_score":0.18052129447460177},{"text":"So the advice document has been prepared for yourself as of the 03/17/2026, prepared by myself, Dana Taylor.","start":433.66,"end":440.88498,"sentiment":"neutral","sentiment_score":0.08229284567965402}],"sentiment":"neutral","sentiment_score":0.08963044371568796,"num_words":33,"start":425.1,"end":440.88498},{"sentences":[{"text":"On the very front there, you'll see my authorized representative number of 1304394.","start":440.88498,"end":446.16498,"sentiment":"neutral","sentiment_score":0.06343208253383636},{"text":"So I'm an authorized representative of Oakview Financial, and that's my registered license number.","start":446.16498,"end":450.88498,"sentiment":"neutral","sentiment_score":0.06525802984833717},{"text":"So I'm registered through Asic as a financial adviser.","start":450.88498,"end":453.625,"sentiment":"neutral","sentiment_score":0.06088013119167752},{"text":"Okay?","start":453.845,"end":454.345,"sentiment":"neutral","sentiment_score":0.06327908486127853},{"text":"The next page outlines the best interest, Judy.","start":455.82,"end":457.97998,"sentiment":"neutral","sentiment_score":0.11554887145757675}],"sentiment":"neutral","sentiment_score":0.07275157173474629,"num_words":45,"start":440.88498,"end":457.97998},{"sentences":[{"text":"So just, like, making sure that you're aware we wanna do catch ups and regular reviews with you every year to make sure that you're on track towards meeting your goals.","start":457.97998,"end":464.72,"sentiment":"neutral","sentiment_score":0.16075601092269343},{"text":"Obviously, with this advice piece, it is based on your past situation, so there are some changes to come.","start":465.02,"end":470.475,"sentiment":"neutral","sentiment_score":0.008063305757547679},{"text":"So I'll just run through the recommendations there with you.","start":470.475,"end":473.035,"sentiment":"neutral","sentiment_score":0.03471717275679111},{"text":"I'll note the parts that may not be appropriate anymore.","start":473.035,"end":475.615,"sentiment":"neutral","sentiment_score":-0.04619711190462113},{"text":"And then what we'll do is we'll get you to work out what you are comfortable undertaking.","start":476.155,"end":480.175,"sentiment":"neutral","sentiment_score":0.071956536568263}],"sentiment":"neutral","sentiment_score":0.07178276871470199,"num_words":87,"start":457.97998,"end":480.175},{"sentences":[{"text":"And then in a couple of weeks, we might just go back and update some changes to the recommendations there.","start":480.23502,"end":485.08,"sentiment":"neutral","sentiment_score":0.06487782951444387},{"text":"Okay?","start":485.08,"end":485.58,"sentiment":"neutral","sentiment_score":0.060815807431936264},{"text":"Perfect.","start":486.44,"end":486.94,"sentiment":"neutral","sentiment_score":0.21947404742240903},{"text":"With regard to the scope of advice, I was looking mostly at superannuation, making sure it was working really well for you.","start":488.04,"end":494.38,"sentiment":"neutral","sentiment_score":0.24561632830988278},{"text":"I know you were happy last year when we spoke.","start":494.6,"end":496.68,"sentiment":"positive","sentiment_score":0.4600584417581558}],"sentiment":"neutral","sentiment_score":0.21448129788041115,"num_words":54,"start":480.23502,"end":496.68},{"sentences":[{"text":"You were happy with the way your portfolio was going.","start":496.68,"end":499.405,"sentiment":"positive","sentiment_score":0.6582175731658936},{"text":"However, since then, there have been some changes to the investments.","start":499.405,"end":502.46503,"sentiment":"neutral","sentiment_score":-0.2960999939929355},{"text":"So there have been some underperforming investments in there, so I wanted to remove those and make sure your portfolio is always working harder for you.","start":503.48502,"end":510.87,"sentiment":"neutral","sentiment_score":-0.31989777432038236},{"text":"Back when we did speak last year, you were comfortable undertaking and making an additional salary sacrifice into the super.","start":511.19,"end":517.45,"sentiment":"neutral","sentiment_score":0.07372791022062301},{"text":"That may change given your circumstances.","start":517.83,"end":519.85,"sentiment":"neutral","sentiment_score":0.0559491366147995}],"sentiment":"neutral","sentiment_score":-0.04358922343139779,"num_words":73,"start":496.68,"end":519.85},{"sentences":[{"text":"But I will just go through the recommendations I made, and then you get to determine, you know, what you're comfortable with.","start":521.02997,"end":526.60504,"sentiment":"neutral","sentiment_score":0.2787591720169241},{"text":"And if there's a level of contribution you're comfortable with, we can always go and have a look at how that affects you.","start":526.60504,"end":532.28503,"sentiment":"neutral","sentiment_score":0.21279094692157663},{"text":"Okay?","start":532.28503,"end":532.78503,"sentiment":"neutral","sentiment_score":0.1848612129688263},{"text":"All good.","start":533.805,"end":534.625,"sentiment":"positive","sentiment_score":0.5296855568885803},{"text":"Yeah.","start":534.765,"end":535.265,"sentiment":"neutral","sentiment_score":0.2507209777832031}],"sentiment":"neutral","sentiment_score":0.25554789526730165,"num_words":49,"start":521.02997,"end":535.265},{"sentences":[{"text":"Yeah.","start":538.54,"end":539.04,"sentiment":"neutral","sentiment_score":0.15511295199394226},{"text":"Yep.","start":543.5,"end":544.0,"sentiment":"neutral","sentiment_score":0.27526795864105225},{"text":"You absolutely can.","start":545.98,"end":547.5,"sentiment":"positive","sentiment_score":0.46547048290570575},{"text":"You can do whatever you like most definitely.","start":547.5,"end":549.68,"sentiment":"positive","sentiment_score":0.44898974522948265},{"text":"So if you're, you know, wanting to put a regular amount in there, you can pick either, like, a regular dollar figure amount.","start":549.89996,"end":555.58496,"sentiment":"neutral","sentiment_score":0.18509650489558344}],"sentiment":"neutral","sentiment_score":0.2687758314940665,"num_words":36,"start":538.54,"end":555.58496},{"sentences":[{"text":"Or if you're just sort of working more some weeks and less other weeks and there's more of a contribution you wanted to have in super, you can absolutely transfer that in.","start":555.58496,"end":564.805,"sentiment":"neutral","sentiment_score":0.17443979426752776},{"text":"You can do it one of two ways depending on how you're paying yourself.","start":565.29,"end":568.65,"sentiment":"neutral","sentiment_score":0.2389576786330768},{"text":"One is a deductible contribution where you just pay the lump sum in on a regular basis, or you can even just save it aside and do it once a year at the end of financial year, you let me know once you put that money in there, and I can organize a notice of intent, which makes that contribution concessional.","start":568.65,"end":584.985,"sentiment":"neutral","sentiment_score":0.23461578590948073},{"text":"It's where the the super fund takes the tax out of the inside super.","start":585.365,"end":588.565,"sentiment":"neutral","sentiment_score":0.10210426883505923},{"text":"And because you've paid that con made that contribution from your bank account, you'll be able to use that as a bit of a tax deduction as well at the end of the year to help you along.","start":588.565,"end":597.26996,"sentiment":"positive","sentiment_score":0.6608596428444511}],"sentiment":"neutral","sentiment_score":0.3130891198093224,"num_words":159,"start":555.58496,"end":597.26996},{"sentences":[{"text":"So yeah.","start":597.26996,"end":599.02997,"sentiment":"neutral","sentiment_score":0.2786783427000046},{"text":"But what we'll do is I can when we catch up in a couple of weeks, I'll probably make it just after Easter.","start":599.02997,"end":605.91,"sentiment":"neutral","sentiment_score":0.224651584158773},{"text":"So we'll wait for you to finish up with this role and sort of work out what you're doing moving forward.","start":605.91,"end":610.445,"sentiment":"positive","sentiment_score":0.38508170275461107},{"text":"And then you and I can have another catch up there, Scott.","start":610.445,"end":612.765,"sentiment":"neutral","sentiment_score":0.27783211568991345},{"text":"We can talk about what's changed, and we can even go back and update the advice to reflect changes to the contributions and show you how that, you know, might affect you moving forward in your retirement goals there.","start":612.765,"end":624.02,"sentiment":"positive","sentiment_score":0.33840135045540637}],"sentiment":"neutral","sentiment_score":0.3128113086076127,"num_words":97,"start":597.26996,"end":624.02},{"sentences":[{"text":"Okay?","start":624.02,"end":624.52,"sentiment":"neutral","sentiment_score":0.1431172490119934},{"text":"Yep.","start":628.9,"end":628.98,"sentiment":"neutral","sentiment_score":0.10281789302825928},{"text":"Yeah.","start":628.98,"end":629.48,"sentiment":"neutral","sentiment_score":0.11107804626226424},{"text":"Yep.","start":630.34,"end":630.84,"sentiment":"neutral","sentiment_score":0.051435377448797226},{"text":"Wait till next.","start":639.635,"end":640.695,"sentiment":"neutral","sentiment_score":-0.01390735370417436}],"sentiment":"neutral","sentiment_score":0.05238950066268444,"num_words":7,"start":624.02,"end":640.695},{"sentences":[{"text":"Yep.","start":640.91504,"end":641.41504,"sentiment":"neutral","sentiment_score":0.07951991260051727},{"text":"Yeah.","start":642.755,"end":643.255,"sentiment":"neutral","sentiment_score":0.025914637371897697},{"text":"There's a lot of things to think about.","start":644.59503,"end":646.455,"sentiment":"neutral","sentiment_score":-0.012259928858838975},{"text":"Nope.","start":647.9,"end":648.4,"sentiment":"neutral","sentiment_score":-0.12101881206035614},{"text":"Perfect.","start":648.7,"end":649.2,"sentiment":"neutral","sentiment_score":0.06680360436439514}],"sentiment":"neutral","sentiment_score":-0.0039050073828548193,"num_words":12,"start":640.91504,"end":649.2},{"sentences":[{"text":"With regard to this advice document, I have limited scope in the retirement needs.","start":652.22003,"end":656.06,"sentiment":"neutral","sentiment_score":-0.09469167967992169},{"text":"So we were working towards your retirement goals.","start":656.06,"end":658.06,"sentiment":"neutral","sentiment_score":0.033094832208007574},{"text":"So we're not quite, at the point where we are talking about a retirement drawdown.","start":658.06,"end":662.995,"sentiment":"neutral","sentiment_score":-0.1261148372044166},{"text":"However, because retirement is looking about sixteen years away from where you are at the moment, it is appropriate to make sure we're showing you the long term effects based on the recommendations that we are making and sort of giving you an idea of where you're tracking forward to.","start":663.055,"end":676.05,"sentiment":"neutral","sentiment_score":0.058412768840789796},{"text":"We have also left in a a tool limited scope the insurance side of things.","start":676.85,"end":680.69,"sentiment":"neutral","sentiment_score":-0.17800431350866955}],"sentiment":"neutral","sentiment_score":-0.026490918397172995,"num_words":102,"start":652.22003,"end":680.69},{"sentences":[{"text":"So we're not making any additional recommendations on insurances.","start":680.69,"end":683.64996,"sentiment":"neutral","sentiment_score":-0.2638661762078603},{"text":"You were happy with the level of cover you had.","start":683.64996,"end":685.99,"sentiment":"neutral","sentiment_score":0.03976154550909996},{"text":"However, they are paid out of your super funds, so it does have an effect on your retirement and your retirement income stream at the end of the day.","start":686.05,"end":693.115,"sentiment":"neutral","sentiment_score":0.09045886697954145},{"text":"So it's important to factor those in insurances into the recommendations for you.","start":693.41504,"end":698.135,"sentiment":"neutral","sentiment_score":0.1467181289425263},{"text":"Okay?","start":698.135,"end":698.635,"sentiment":"neutral","sentiment_score":0.06528749316930771}],"sentiment":"neutral","sentiment_score":0.042237906145953366,"num_words":62,"start":680.69,"end":698.635},{"sentences":[{"text":"On the next page, areas that we're not focusing on at the moment is the cash flow and budgeting.","start":699.655,"end":703.755,"sentiment":"neutral","sentiment_score":-0.051635880219308955},{"text":"You're looking to build a shed and also go on a bit of a holiday there.","start":703.895,"end":708.45,"sentiment":"neutral","sentiment_score":-0.04278883174993098},{"text":"So we're not sort of providing any additional support or advice around the cash flow and budgeting side of things.","start":708.45,"end":713.43,"sentiment":"neutral","sentiment_score":-0.20417755842208862},{"text":"If you do want that down the track, you're welcome to let me know.","start":713.49,"end":716.39,"sentiment":"neutral","sentiment_score":0.30007447249123026},{"text":"I can definitely help you out.","start":716.45,"end":717.65,"sentiment":"positive","sentiment_score":0.7343849738438925}],"sentiment":"neutral","sentiment_score":0.03810797676444053,"num_words":75,"start":699.655,"end":717.65},{"sentences":[{"text":"We just get a budget plan that completed to be able to assess your financial circumstances personally.","start":717.65,"end":723.695,"sentiment":"positive","sentiment_score":0.49911046203444986},{"text":"We're not sort of helping with regard to the debt management of the investment property at the moment.","start":724.71497,"end":729.615,"sentiment":"neutral","sentiment_score":-0.2725270688533783},{"text":"Do you still have that property as well?","start":729.675,"end":731.615,"sentiment":"neutral","sentiment_score":-0.043130564969033},{"text":"Yep.","start":732.555,"end":732.875,"sentiment":"neutral","sentiment_score":0.05672132968902588},{"text":"Yep.","start":732.875,"end":733.195,"sentiment":"neutral","sentiment_score":0.16738390922546387}],"sentiment":"neutral","sentiment_score":0.07685447409749031,"num_words":45,"start":717.65,"end":733.195},{"sentences":[{"text":"Perfect.","start":733.195,"end":733.695,"sentiment":"positive","sentiment_score":0.5726157426834106},{"text":"We can, down the track, help you with some, you know, strategies with paying down the debt a little bit faster if you would like those as well.","start":734.25,"end":740.89,"sentiment":"positive","sentiment_score":0.4179789839046342},{"text":"And the estate planning side of things, you did have a beneficiary on file.","start":740.89,"end":744.17,"sentiment":"neutral","sentiment_score":0.22041740374905722},{"text":"You were comfortable with the way that was.","start":744.17,"end":745.69,"sentiment":"neutral","sentiment_score":0.22022951394319534},{"text":"They're not making any changes to that now, but we wanna review these things with you as your life changes as well.","start":745.69,"end":751.34503,"sentiment":"neutral","sentiment_score":0.12820485386658798}],"sentiment":"neutral","sentiment_score":0.27320840878233515,"num_words":73,"start":733.195,"end":751.34503},{"sentences":[{"text":"Okay?","start":751.34503,"end":751.84503,"sentiment":"neutral","sentiment_score":0.057949524372816086},{"text":"Sorry.","start":759.265,"end":759.665,"sentiment":"neutral","sentiment_score":-0.07789865881204605},{"text":"The phone just cut out, Scott.","start":759.665,"end":760.865,"sentiment":"neutral","sentiment_score":-0.0720461526264747},{"text":"Can you repeat that for me?","start":760.865,"end":762.325,"sentiment":"neutral","sentiment_score":-0.005877752477924029},{"text":"Okay.","start":766.97003,"end":767.47003,"sentiment":"neutral","sentiment_score":0.07561762630939484}],"sentiment":"neutral","sentiment_score":-0.027458329250415168,"num_words":15,"start":751.34503,"end":767.47003},{"sentences":[{"text":"Perfect.","start":768.33,"end":768.83,"sentiment":"neutral","sentiment_score":0.26722481846809387},{"text":"Yeah.","start":772.97003,"end":773.37,"sentiment":"neutral","sentiment_score":0.03943062573671341},{"text":"Yeah.","start":773.37,"end":773.61005,"sentiment":"neutral","sentiment_score":0.051648832857608795},{"text":"It absolutely can be.","start":773.61005,"end":775.15,"sentiment":"neutral","sentiment_score":0.0808741208165884},{"text":"With regard to transferring the property and stuff like that, you are then transferring the ownership into the trust.","start":775.37,"end":781.025,"sentiment":"neutral","sentiment_score":0.05320860367072256}],"sentiment":"neutral","sentiment_score":0.06510631654124993,"num_words":26,"start":768.33,"end":781.025},{"sentences":[{"text":"So you will need to speak to a mortgage broker to make sure that the loan can be essentially redone once the property is transferred into the trust and speaking to your account to look at, obviously, the transfer, what that looks like CGT wise for you, and often the stamp duty and things like that to account for as well.","start":781.025,"end":798.75,"sentiment":"neutral","sentiment_score":0.07826604101745809},{"text":"So definitely have a have a look at that.","start":798.75,"end":801.63,"sentiment":"positive","sentiment_score":0.5207785665988922},{"text":"If you do need any additional information around those sorts of things, you're welcome to give us a call as well.","start":801.63,"end":805.95,"sentiment":"neutral","sentiment_score":0.22241126586283957},{"text":"Okay?","start":805.95,"end":806.45,"sentiment":"neutral","sentiment_score":0.1894945204257965},{"text":"Perfect.","start":807.835,"end":808.335,"sentiment":"positive","sentiment_score":0.6425461769104004}],"sentiment":"neutral","sentiment_score":0.16090228905280432,"num_words":93,"start":781.025,"end":808.335},{"sentences":[{"text":"This is a limited scribe a scope advice document.","start":809.91504,"end":812.79504,"sentiment":"neutral","sentiment_score":0.21969854666127098},{"text":"So the areas that are scoped in are noted above there.","start":812.79504,"end":815.515,"sentiment":"neutral","sentiment_score":0.06596727669239044},{"text":"Just making sure that you're aware we're scoped in certain areas for where we are making recommendations, limited scope to areas where there's no maybe recommendation made.","start":815.515,"end":823.19,"sentiment":"neutral","sentiment_score":0.04063881554261402},{"text":"But there's a long term effect that we need to take into account there for you, and then scoping out any areas that we're not providing advice on.","start":823.19,"end":830.17004,"sentiment":"neutral","sentiment_score":-0.01737543089049203},{"text":"Before taking on the advice, it's important because it is limited scope that you do review and have a bit of a range of the document, and you can let us know what any certain areas that you're not comfortable taking on board.","start":830.63,"end":841.13495,"sentiment":"neutral","sentiment_score":-0.05119468566290168}],"sentiment":"neutral","sentiment_score":0.009426198599828501,"num_words":118,"start":809.91504,"end":841.13495},{"sentences":[{"text":"On the very last page of the document where there's a sign, there's normally a text box there.","start":841.595,"end":846.15,"sentiment":"neutral","sentiment_score":-0.05053894164868527},{"text":"And if there's any areas that you're not comfortable taking on or don't wish to proceed with, we just get you to write that in that section there.","start":846.39,"end":852.55005,"sentiment":"neutral","sentiment_score":-0.11826867304210152},{"text":"Worst case, you can always email me and let me know that there's a certain section that you're not wanting to take on board.","start":852.55005,"end":858.71,"sentiment":"negative","sentiment_score":-0.45553675666451454},{"text":"Okay?","start":858.71,"end":859.21,"sentiment":"neutral","sentiment_score":-0.11954198032617568},{"text":"With when it comes to the estate planning side of things, we're not lawyers, so we do refer you through to a lawyer for the drafting of wills and power of attorneys and things like that.","start":860.845,"end":869.02496,"sentiment":"neutral","sentiment_score":-0.04481804639928871}],"sentiment":"neutral","sentiment_score":-0.15782334210751492,"num_words":107,"start":841.595,"end":869.02496},{"sentences":[{"text":"When it comes to insurances, we look at personal insurances, so life, TPD, income protection, and trauma, and things like that.","start":869.725,"end":875.88,"sentiment":"neutral","sentiment_score":-0.019966016922678267},{"text":"Certain business insurances also apply.","start":875.88,"end":878.22,"sentiment":"neutral","sentiment_score":-0.02714110314846039},{"text":"Other types of business insurance, business lie personal liability, house contents, motor insurances, things like that.","start":878.76,"end":886.615,"sentiment":"neutral","sentiment_score":-0.073162657674402},{"text":"They're technically general insurance products, so we don't provide advice around those.","start":886.755,"end":890.755,"sentiment":"neutral","sentiment_score":-0.1375596753011147},{"text":"However, we can refer you to a general insurance broker should you need the services of one.","start":890.755,"end":895.735,"sentiment":"neutral","sentiment_score":0.06670383407789118}],"sentiment":"neutral","sentiment_score":-0.031582328425326815,"num_words":71,"start":869.725,"end":895.735},{"sentences":[{"text":"And under the Better Advice Act 2021, I'm a qualified tax relevant provider, which means that I can provide financial advice in relation to sorry.","start":896.69995,"end":904.94,"sentiment":"neutral","sentiment_score":0.0667343145608902},{"text":"I can provide financial advice in relation to tax and tax related issues.","start":904.94,"end":908.22,"sentiment":"neutral","sentiment_score":0.08250619958226497},{"text":"However, we're not accountants, so we don't do your return for you.","start":908.22,"end":911.435,"sentiment":"neutral","sentiment_score":-0.06793554530789454},{"text":"We like to think we're more exciting than accountants.","start":911.73505,"end":913.97504,"sentiment":"positive","sentiment_score":0.49030929803848267},{"text":"We help you to minimize the tax before the event.","start":913.97504,"end":916.79504,"sentiment":"positive","sentiment_score":0.49729772210121154}],"sentiment":"neutral","sentiment_score":0.16393438867036847,"num_words":69,"start":896.69995,"end":916.79504},{"sentences":[{"text":"They tend to tell you how much tax to pay after it's already occurred.","start":917.09503,"end":920.155,"sentiment":"neutral","sentiment_score":0.2720942348241806},{"text":"With to make this a bit easier on you, if you scroll down there, page number seven, this is essentially the information that we had on you.","start":922.97003,"end":929.45,"sentiment":"neutral","sentiment_score":0.21197706654115958},{"text":"I know, obviously, your income could definitely be changing, and your occupation will be changing over the course of the next few months there as well.","start":929.45,"end":936.03,"sentiment":"neutral","sentiment_score":0.10232904524757312},{"text":"But are there any additional things that maybe need to be altered or may have changed since we last spoke?","start":936.505,"end":942.605,"sentiment":"neutral","sentiment_score":-0.01880451971665025},{"text":"Yeah.","start":960.295,"end":960.53503,"sentiment":"neutral","sentiment_score":-0.010928289964795113}],"sentiment":"neutral","sentiment_score":0.13416177927601067,"num_words":88,"start":917.09503,"end":960.53503},{"sentences":[{"text":"That will that will definitely change.","start":960.53503,"end":962.695,"sentiment":"neutral","sentiment_score":-0.023555042843023937},{"text":"Yeah.","start":962.695,"end":963.015,"sentiment":"neutral","sentiment_score":0.04526066035032272},{"text":"It's probably right for now, but it'll probably definitely change in the near future.","start":963.015,"end":967.355,"sentiment":"neutral","sentiment_score":0.03334379116339343},{"text":"Yeah.","start":968.775,"end":969.275,"sentiment":"neutral","sentiment_score":0.021576810628175735},{"text":"The same.","start":971.175,"end":971.835,"sentiment":"neutral","sentiment_score":0.0010711904615163803}],"sentiment":"neutral","sentiment_score":0.016435944630453985,"num_words":24,"start":960.53503,"end":971.835},{"sentences":[{"text":"Oh, fantastic.","start":975.92,"end":976.82,"sentiment":"neutral","sentiment_score":0.25838832557201385},{"text":"Yep.","start":978.48,"end":978.98,"sentiment":"neutral","sentiment_score":0.07960008829832077},{"text":"You have a lot going on at the moment.","start":979.19995,"end":981.3,"sentiment":"neutral","sentiment_score":-0.009984236003624069},{"text":"Yeah.","start":985.135,"end":985.635,"sentiment":"neutral","sentiment_score":-0.06289245188236237},{"text":"Yeah.","start":991.135,"end":991.635,"sentiment":"neutral","sentiment_score":-0.047042056918144226}],"sentiment":"neutral","sentiment_score":0.028327436186373234,"num_words":14,"start":975.92,"end":991.635},{"sentences":[{"text":"Yep.","start":1003.55,"end":1003.79004,"sentiment":"neutral","sentiment_score":0.18874768912792209},{"text":"Oh, that's really good.","start":1003.79004,"end":1005.39,"sentiment":"positive","sentiment_score":0.5039873570203781},{"text":"That's what you kinda aim for.","start":1005.39,"end":1007.09,"sentiment":"positive","sentiment_score":0.38936658203601837},{"text":"No.","start":1008.67,"end":1008.91003,"sentiment":"neutral","sentiment_score":-0.3112148940563202},{"text":"It's perfect.","start":1008.91003,"end":1009.65,"sentiment":"neutral","sentiment_score":-0.09896673634648323}],"sentiment":"neutral","sentiment_score":0.28798201733401846,"num_words":14,"start":1003.55,"end":1009.65},{"sentences":[{"text":"Yeah.","start":1011.185,"end":1011.685,"sentiment":"neutral","sentiment_score":0.00551387295126915},{"text":"No.","start":1011.98505,"end":1012.22504,"sentiment":"neutral","sentiment_score":0.0146830752491951},{"text":"Perfect.","start":1012.22504,"end":1012.72504,"sentiment":"neutral","sentiment_score":0.3243880271911621},{"text":"The next page does note your assets and liabilities as we had noted.","start":1013.585,"end":1017.205,"sentiment":"neutral","sentiment_score":0.11069318537528698},{"text":"Are there any major changes you would like there?","start":1017.585,"end":1019.585,"sentiment":"neutral","sentiment_score":0.02970073289341397}],"sentiment":"neutral","sentiment_score":0.0820361192524433,"num_words":25,"start":1011.185,"end":1019.585},{"sentences":[{"text":"I know when Jacob booked you in the other day, he did sort of check the fact fine.","start":1019.585,"end":1022.945,"sentiment":"neutral","sentiment_score":0.08269573623935382},{"text":"There was no significant changes to to note down.","start":1022.945,"end":1026.02,"sentiment":"neutral","sentiment_score":-0.015476801122228304},{"text":"But is there anything there that you would want updated at all?","start":1026.3201,"end":1029.3,"sentiment":"neutral","sentiment_score":0.00943997137558957},{"text":"Yep.","start":1034.56,"end":1035.06,"sentiment":"neutral","sentiment_score":-0.045411210507154465},{"text":"No.","start":1035.8401,"end":1036.0801,"sentiment":"neutral","sentiment_score":-0.05482010543346405}],"sentiment":"neutral","sentiment_score":0.033226350799384644,"num_words":41,"start":1019.585,"end":1036.0801},{"sentences":[{"text":"Understandable.","start":1036.0801,"end":1036.5801,"sentiment":"neutral","sentiment_score":0.04673606157302856},{"text":"All good.","start":1037.76,"end":1038.5801,"sentiment":"neutral","sentiment_score":0.26180756092071533},{"text":"And the next page outlines your current superannuation and your insurance history preview at the moment.","start":1039.455,"end":1044.095,"sentiment":"neutral","sentiment_score":0.09886960638687015},{"text":"So just for your reference, you do have your life and TBD cover and your income protection benefit.","start":1044.095,"end":1048.6749,"sentiment":"neutral","sentiment_score":0.08515669633116987},{"text":"The life and TBD sum insured are currently 260,125, all paid out of super.","start":1049.535,"end":1056.15,"sentiment":"neutral","sentiment_score":0.10233579256704875}],"sentiment":"neutral","sentiment_score":0.10034875520596317,"num_words":51,"start":1036.0801,"end":1056.15},{"sentences":[{"text":"And then you've got your income protection policy there, which provides a monthly benefit free tax free income tax of 4,855.","start":1056.53,"end":1064.325,"sentiment":"neutral","sentiment_score":0.13960944435426167},{"text":"You do have a nice day waiting period and an age 65 benefit period on that one at the moment.","start":1064.8049,"end":1069.945,"sentiment":"neutral","sentiment_score":0.21888951435685158},{"text":"Okay?","start":1070.085,"end":1070.585,"sentiment":"neutral","sentiment_score":0.02580844610929489},{"text":"You are currently sorry.","start":1071.205,"end":1072.6449,"sentiment":"neutral","sentiment_score":-0.0800707982853055},{"text":"You're right.","start":1072.6449,"end":1073.385,"sentiment":"neutral","sentiment_score":-0.04731461778283119}],"sentiment":"neutral","sentiment_score":0.1441767632495612,"num_words":48,"start":1056.53,"end":1073.385},{"sentences":[{"text":"Yeah.","start":1080.4199,"end":1080.9199,"sentiment":"neutral","sentiment_score":-0.030036458745598793},{"text":"Yep.","start":1084.02,"end":1084.52,"sentiment":"neutral","sentiment_score":0.21754269301891327},{"text":"That's all good.","start":1085.7,"end":1086.76,"sentiment":"positive","sentiment_score":0.3689764936765035},{"text":"The the premium for this one is about 4,060 currently.","start":1087.38,"end":1091.135,"sentiment":"neutral","sentiment_score":0.056807122007012364},{"text":"It is really important that we do review these moving forward as well because these policies do get more expensive as you get older as the risk of you making a claim increases.","start":1091.515,"end":1099.935,"sentiment":"neutral","sentiment_score":-0.016530188872958675}],"sentiment":"neutral","sentiment_score":0.027437722970110674,"num_words":48,"start":1080.4199,"end":1099.935},{"sentences":[{"text":"So we don't want these to eat away your super, especially if your contributions start to decrease.","start":1100.155,"end":1104.975,"sentiment":"neutral","sentiment_score":-0.1520563666434849},{"text":"So we'll just make sure we're reviewing these, looking at the level of cover you need, you have, how much you're paying for them, and reviewing things moving forward with you as well.","start":1105.035,"end":1113.0599,"sentiment":"neutral","sentiment_score":0.16401307894424957},{"text":"Okay?","start":1113.0599,"end":1113.5599,"sentiment":"neutral","sentiment_score":0.09488433599472046},{"text":"Perfect.","start":1114.58,"end":1115.08,"sentiment":"positive","sentiment_score":0.4359550178050995},{"text":"If you scroll down for me to page number 12, this is essentially where the recommendations are starting, and I'll kinda just go through it with you.","start":1115.62,"end":1122.345,"sentiment":"neutral","sentiment_score":0.23549223166924935}],"sentiment":"neutral","sentiment_score":0.12299497444418413,"num_words":79,"start":1100.155,"end":1122.345},{"sentences":[{"text":"So this is a projection table that's showing that at the moment, you've got your hub twenty four super fund there with the current balance, and then you've also got your administration fees, investment fees, any other fees applicable to the fund, your current contributions you're making, and the ongoing service fee there as well, and then your insurance premiums listed and noted also.","start":1123.845,"end":1142.9401,"sentiment":"neutral","sentiment_score":0.06449002877343446},{"text":"Okay?","start":1143.16,"end":1143.66,"sentiment":"neutral","sentiment_score":0.06567102670669556},{"text":"With the, sorry, you're in a growth portfolio at the moment, and it's less than a five year rolling average.","start":1144.8401,"end":1150.8451,"sentiment":"neutral","sentiment_score":-0.049749603401869534},{"text":"This has averaged about 14.2% on a yearly basis.","start":1150.8451,"end":1154.545,"sentiment":"neutral","sentiment_score":0.015214060329728656},{"text":"We know you don't always get that every single year, but this is essentially how it has over the past five years averaged the return.","start":1154.765,"end":1161.665,"sentiment":"neutral","sentiment_score":0.08303088705055416}],"sentiment":"neutral","sentiment_score":0.04546839932269346,"num_words":119,"start":1123.845,"end":1161.665},{"sentences":[{"text":"It's actually not doing too bad.","start":1162.0,"end":1163.6799,"sentiment":"neutral","sentiment_score":0.19732376312216124},{"text":"And, realistically, over the next five to ten years, if you got the same return moving forward, you can sort of see where it's projected to go.","start":1164.0,"end":1170.4199,"sentiment":"neutral","sentiment_score":0.27125902087600146},{"text":"With the recommended there, the keeping with hub twenty four the same balance there, Your administration fees, investment fees, any other fees applicable there.","start":1171.76,"end":1181.575,"sentiment":"neutral","sentiment_score":0.12959489847222963},{"text":"The ongoing service fee does increase slightly because, obviously, we're factoring in growth in the portfolio and then your contributions.","start":1181.575,"end":1187.915,"sentiment":"neutral","sentiment_score":0.0585781179368496},{"text":"So with this one here at the moment, you have been making about $50 on a fortnightly basis salary sacrificing the super over and above your employer contributions.","start":1188.135,"end":1196.13,"sentiment":"neutral","sentiment_score":-0.0535358049507652}],"sentiment":"neutral","sentiment_score":0.10753117643651508,"num_words":105,"start":1162.0,"end":1196.13},{"sentences":[{"text":"I am making a recommendation that we alter the or sorry.","start":1197.1499,"end":1200.2699,"sentiment":"neutral","sentiment_score":-0.0681019543924115},{"text":"Alter the portfolio.","start":1200.2699,"end":1201.1699,"sentiment":"neutral","sentiment_score":-0.07423667858044307},{"text":"We do a bit of a rebalance there and also remove some of the underperforming funds.","start":1201.23,"end":1205.39,"sentiment":"neutral","sentiment_score":-0.09351882548071444},{"text":"But I'm also making $100 on a fortnightly basis.","start":1205.39,"end":1211.105,"sentiment":"neutral","sentiment_score":-0.023620768553680845},{"text":"So it's something we did sort of discuss late last year.","start":1211.105,"end":1213.6649,"sentiment":"neutral","sentiment_score":0.05452643097801642}],"sentiment":"neutral","sentiment_score":-0.041618578359484674,"num_words":50,"start":1197.1499,"end":1213.6649},{"sentences":[{"text":"You were comfortable increasing it by that $50 on a a fortnightly basis just to sort of see if that can help you help you make your super work a bit harder there.","start":1213.6649,"end":1222.0701,"sentiment":"neutral","sentiment_score":0.03364398217562473},{"text":"I am well aware that with all the changes here, that might not be possible.","start":1222.2101,"end":1225.8301,"sentiment":"neutral","sentiment_score":-0.27733677824338276},{"text":"So we can just catch up in a few weeks and sort of see where you're going and update and alter the advice to reflect that for you.","start":1226.13,"end":1232.13,"sentiment":"neutral","sentiment_score":0.1053220025662865},{"text":"Okay?","start":1232.13,"end":1232.63,"sentiment":"neutral","sentiment_score":0.11048461496829988},{"text":"The insurance premiums won't change because there's no alteration to the insurances currently.","start":1234.005,"end":1237.9451,"sentiment":"neutral","sentiment_score":0.038323353187969096}],"sentiment":"neutral","sentiment_score":0.005643377960142162,"num_words":90,"start":1213.6649,"end":1237.9451},{"sentences":[{"text":"But with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years.","start":1238.005,"end":1247.845,"sentiment":"neutral","sentiment_score":0.17993473344379002},{"text":"So if the markets work the way we want them to and if you can project that forward and if you got the same return over the next five to ten years, you can sort of see what might be projected there for you.","start":1247.845,"end":1257.66,"sentiment":"positive","sentiment_score":0.34893843971870164},{"text":"Okay?","start":1257.66,"end":1258.16,"sentiment":"neutral","sentiment_score":0.17348140478134155},{"text":"Perfect.","start":1259.1001,"end":1259.6001,"sentiment":"positive","sentiment_score":0.5468969941139221},{"text":"Just going back up to the very top there, you'll see the investment fee is slightly different between the two recommended and the current fund there.","start":1260.7949,"end":1267.7749,"sentiment":"neutral","sentiment_score":0.12066205791555919}],"sentiment":"neutral","sentiment_score":0.2378567931138807,"num_words":108,"start":1238.005,"end":1267.7749},{"sentences":[{"text":"With the changes, and I'll take you through those in a second, essentially, we are saving you about $707 in investment fees by making the alteration to the investment portfolio for you as well.","start":1268.075,"end":1278.72,"sentiment":"positive","sentiment_score":0.3339676090023097},{"text":"Okay?","start":1278.72,"end":1279.22,"sentiment":"neutral","sentiment_score":0.12274210155010223},{"text":"Perfect.","start":1280.0,"end":1280.5,"sentiment":"positive","sentiment_score":0.4275450110435486},{"text":"If you scroll down there for me to page number 14.","start":1281.2,"end":1284.0,"sentiment":"neutral","sentiment_score":0.12139810384674506},{"text":"Now as I kinda mentioned before, it's important to take on the long term effect of the recommendations there.","start":1284.0,"end":1289.485,"sentiment":"neutral","sentiment_score":0.056534475793963986}],"sentiment":"neutral","sentiment_score":0.21688969698593472,"num_words":66,"start":1268.075,"end":1289.485},{"sentences":[{"text":"So you'll see this is more of a conservative projection to sort of show what we'd expect.","start":1289.485,"end":1294.385,"sentiment":"neutral","sentiment_score":0.06843146594131694},{"text":"Realistically, when we look at the projections at the top, they are lovely and beautiful.","start":1295.245,"end":1299.3451,"sentiment":"neutral","sentiment_score":0.3069874167442322},{"text":"However, it does depend upon the portfolio giving you that kind of rate of return every year moving forward, which we know is not realistic, and you're not gonna get that right up into the age of retirement there.","start":1299.9651,"end":1309.64,"sentiment":"neutral","sentiment_score":-0.22300109104850355},{"text":"So where I'd sort of expect you to land with regards to the projected outcome is either in between this and the top section there for you.","start":1310.1,"end":1318.155,"sentiment":"neutral","sentiment_score":-0.037147263892822795},{"text":"With these projections here, they are just more of a conservative projection showing that, you know, by with the current salary sacrifice arrangement, if you got a lower rate of return moving forward, this is where you could be projected to end up at the age of retirement there.","start":1319.355,"end":1333.29,"sentiment":"neutral","sentiment_score":0.09759603243093101}],"sentiment":"neutral","sentiment_score":0.005784578811453313,"num_words":147,"start":1289.485,"end":1333.29},{"sentences":[{"text":"And because we were looking at an income a target income amount of about 80,000, whilst this does allow you to draw that kind of money down from the age of 65 onwards, it is kind of just under the target balance a little bit.","start":1333.43,"end":1345.695,"sentiment":"neutral","sentiment_score":0.10572763466172748},{"text":"And this is taking into account also being able to access age pension from age 67 there as well for you.","start":1345.695,"end":1351.2949,"sentiment":"neutral","sentiment_score":0.18838045542084036},{"text":"So the benefit based on current eligibility, and this will be reviewed kinda further down the track for you as well.","start":1351.2949,"end":1358.095,"sentiment":"neutral","sentiment_score":0.136023587059407},{"text":"You and I will make sure that we're looking at it.","start":1358.095,"end":1360.02,"sentiment":"neutral","sentiment_score":0.16635510596362027},{"text":"And when you get closer to retirement, you're sort of a year or two out.","start":1360.02,"end":1363.22,"sentiment":"neutral","sentiment_score":0.09347979625066122}],"sentiment":"neutral","sentiment_score":0.13099408461259002,"num_words":113,"start":1333.43,"end":1363.22},{"sentences":[{"text":"We'll really focus on what the drawdown looks like and what you'll be eligible for.","start":1363.22,"end":1366.92,"sentiment":"neutral","sentiment_score":0.1302977355817954},{"text":"But this is sort of show you that under your current circumstances, whilst you are sort of closer to being able to access the target retirement income, the projection does still look really good.","start":1367.22,"end":1376.935,"sentiment":"positive","sentiment_score":0.4460296779870987},{"text":"It's it's still about 11,000 less than your target on a yearly basis, but does give you access to age pension, which is kinda cool.","start":1377.4751,"end":1384.615,"sentiment":"positive","sentiment_score":0.45166152715682983},{"text":"Age pension will help you draw out less out of your super long term, so it can help provide a bit of longevity there for you as well.","start":1385.0751,"end":1389.185,"sentiment":"positive","sentiment_score":0.6225327444928033},{"text":"There for you as well.","start":1390.65,"end":1391.93,"sentiment":"neutral","sentiment_score":0.3116311013698578}],"sentiment":"positive","sentiment_score":0.4429914543631478,"num_words":107,"start":1363.22,"end":1391.93},{"sentences":[{"text":"Okay?","start":1391.93,"end":1392.43,"sentiment":"neutral","sentiment_score":0.14021016657352448},{"text":"With the recommended of increasing the salary sacrifice to a $100 per fortnight, you can see the projected outcome based on the conservative projection is slightly higher.","start":1393.29,"end":1401.79,"sentiment":"neutral","sentiment_score":0.2766349751640249},{"text":"And when you sort of look at the income side of things, it actually reduces that gap slightly.","start":1402.49,"end":1407.345,"sentiment":"neutral","sentiment_score":0.21031713030404514},{"text":"So you're a little bit closer to being able to access the $80,000 on a yearly basis.","start":1407.345,"end":1411.985,"sentiment":"neutral","sentiment_score":0.29129836226210876},{"text":"It's still factoring in eligibility for age pension, but your super is also lasting a little bit longer there as well.","start":1411.985,"end":1417.825,"sentiment":"neutral","sentiment_score":0.18014226108789444}],"sentiment":"neutral","sentiment_score":0.2396443152711505,"num_words":84,"start":1391.93,"end":1417.825},{"sentences":[{"text":"So you can sort of see the difference between increasing that salary sacrifice a bit there as well.","start":1417.825,"end":1422.325,"sentiment":"neutral","sentiment_score":0.06898457867403825},{"text":"Does that make sense?","start":1422.44,"end":1423.5599,"sentiment":"neutral","sentiment_score":0.08859318867325783},{"text":"Yeah.","start":1423.5599,"end":1424.0599,"sentiment":"neutral","sentiment_score":0.15740233659744263},{"text":"Perfect.","start":1424.92,"end":1425.42,"sentiment":"positive","sentiment_score":0.4016859531402588},{"text":"That was the recommendation for the salary sacrifice sort of things.","start":1426.12,"end":1429.26,"sentiment":"neutral","sentiment_score":0.11808258024129001}],"sentiment":"neutral","sentiment_score":0.09868833837764604,"num_words":35,"start":1417.825,"end":1429.26},{"sentences":[{"text":"I know it's probably not gonna be possible at the moment, so that's absolutely okay.","start":1429.4,"end":1433.1799,"sentiment":"neutral","sentiment_score":-0.05340723966558774},{"text":"What I will get you to do, if you're once you sort of had a reach for the document and decided, if you wanted to on the back page of that, you can just write there that due to change in circumstances, you don't wish to proceed with the salary sacrifice arrangement, And then we can just catch up in a couple of weeks' time and talk about the changes and what things look like for you, and then we can always update the advice to reflect changes to the to the income and the contributions for you.","start":1434.2,"end":1459.94,"sentiment":"neutral","sentiment_score":0.08751537825684158},{"text":"Does that sound okay?","start":1459.94,"end":1461.08,"sentiment":"neutral","sentiment_score":0.10273445211350918},{"text":"Yep.","start":1462.395,"end":1462.895,"sentiment":"neutral","sentiment_score":-0.012680158019065855},{"text":"Yeah.","start":1466.795,"end":1467.1951,"sentiment":"neutral","sentiment_score":0.038614168763160706}],"sentiment":"neutral","sentiment_score":0.06901067473432597,"num_words":119,"start":1429.4,"end":1467.1951},{"sentences":[{"text":"One month?","start":1467.1951,"end":1467.8351,"sentiment":"neutral","sentiment_score":0.04667857848107815},{"text":"Perfect.","start":1467.8351,"end":1468.3351,"sentiment":"positive","sentiment_score":0.3825981020927429},{"text":"After this call, if you like, I'll book it back in for you.","start":1468.395,"end":1471.435,"sentiment":"neutral","sentiment_score":0.025989585771010473},{"text":"Yeah.","start":1471.435,"end":1471.935,"sentiment":"neutral","sentiment_score":0.08709247410297394},{"text":"Perfect.","start":1473.7699,"end":1474.2699,"sentiment":"positive","sentiment_score":0.6313283443450928}],"sentiment":"neutral","sentiment_score":0.08512448291811678,"num_words":18,"start":1467.1951,"end":1474.2699},{"sentences":[{"text":"Perfect.","start":1474.4099,"end":1474.9099,"sentiment":"positive","sentiment_score":0.546875536441803},{"text":"Now if you scroll down there for me to page number 19, this is running you through the changes to the investment portfolio.","start":1475.5299,"end":1481.1499,"sentiment":"neutral","sentiment_score":0.1309200654859128},{"text":"So as per the projection table above there, this is essentially showing you I had made some recommendations to alter the portfolio so that you're still staying within that growth environment, not taking on any extra risk.","start":1481.2899,"end":1493.125,"sentiment":"neutral","sentiment_score":0.12381563214836894},{"text":"You're staying within your risk profile, but also making sure that we did remove some underperforming investments and make some changes to rebalancing for you as well.","start":1493.125,"end":1501.445,"sentiment":"neutral","sentiment_score":0.07490370284627985},{"text":"Okay?","start":1501.445,"end":1501.945,"sentiment":"neutral","sentiment_score":0.02532990649342537}],"sentiment":"neutral","sentiment_score":0.11446005972416214,"num_words":89,"start":1474.4099,"end":1501.945},{"sentences":[{"text":"So with this one here sorry.","start":1503.26,"end":1505.52,"sentiment":"neutral","sentiment_score":-0.027069933091600735},{"text":"You'll see that we are removing fully the bank hybrids.","start":1506.5399,"end":1509.9199,"sentiment":"neutral","sentiment_score":-0.06981931552290917},{"text":"So with these ones here, they are about to be phased out, so we are taking the opportunity to remove them fully from your portfolio.","start":1509.98,"end":1515.6799,"sentiment":"neutral","sentiment_score":-0.057016083002090455},{"text":"And then with the agriculture, we'll just be rebalancing that a little bit, buying a bit more in so you'll keep the food.","start":1516.995,"end":1523.3351,"sentiment":"neutral","sentiment_score":0.02311420707922915},{"text":"Physical gold has been doing really, really well, and it has been performing nicely in your portfolio, but we just wanna rebalance it because you're a bit overexposed there at the moment.","start":1523.475,"end":1531.5751,"sentiment":"neutral","sentiment_score":0.07796470331959426}],"sentiment":"neutral","sentiment_score":0.007713358752274265,"num_words":96,"start":1503.26,"end":1531.5751},{"sentences":[{"text":"So we'll be selling a bit of the physical gold and just it's good to kinda cement those gains every now and then.","start":1531.7899,"end":1537.63,"sentiment":"neutral","sentiment_score":0.16151693301356357},{"text":"Cementing the gains allows the money to be recompounded back, invested into the other investments, allowing it to continue to grow.","start":1537.63,"end":1545.25,"sentiment":"positive","sentiment_score":0.3425851208823068},{"text":"You'll keep some of the cybersecurity there.","start":1546.365,"end":1548.285,"sentiment":"neutral","sentiment_score":0.19979062037808554},{"text":"We'll be buying a bit more in, so you have about 7% in there.","start":1548.285,"end":1551.325,"sentiment":"neutral","sentiment_score":0.15539170375892095},{"text":"And the S and P five hundred will be selling a bit of that to kind of rebalance you back a little bit.","start":1551.325,"end":1556.205,"sentiment":"neutral","sentiment_score":0.08505589822712152}],"sentiment":"neutral","sentiment_score":0.1868122824129056,"num_words":88,"start":1531.7899,"end":1556.205},{"sentences":[{"text":"We've also got the beta shares Rafi Aussie two 100 there.","start":1556.205,"end":1559.2799,"sentiment":"neutral","sentiment_score":0.1182884458791126},{"text":"We're gonna be selling some of that to rebalance your portfolio back.","start":1559.2799,"end":1562.7999,"sentiment":"neutral","sentiment_score":0.10804015964580078},{"text":"And then also the Benelog Australian Equities, we'll see, that is the one that has been underperforming, unfortunately.","start":1562.7999,"end":1568.1,"sentiment":"neutral","sentiment_score":-0.18655261397361755},{"text":"So as of late last year, early this year has been underperforming, has been quite volatile, and it's been pulling everyone's portfolio back a little bit.","start":1568.48,"end":1575.645,"sentiment":"negative","sentiment_score":-0.5404654626662915},{"text":"So we have made a business decision to remove the bend along out of there.","start":1575.645,"end":1579.265,"sentiment":"neutral","sentiment_score":-0.31257365345954896}],"sentiment":"neutral","sentiment_score":-0.23781706173563513,"num_words":82,"start":1556.205,"end":1579.265},{"sentences":[{"text":"I'm not sure if you remember back, but over the last couple of years, it has been a bit up and down.","start":1579.325,"end":1583.505,"sentiment":"neutral","sentiment_score":-0.26906092871319165},{"text":"So we have made that decision to remove that investment from your portfolio solely.","start":1584.51,"end":1588.8501,"sentiment":"neutral","sentiment_score":-0.2778580667717116},{"text":"The fact that it has had a significant loss on most people's portfolios means we can offset some of the gains by race right?","start":1589.2301,"end":1596.015,"sentiment":"neutral","sentiment_score":-0.19970585561046997},{"text":"By rebalancing your portfolio out, which is a benefit for you.","start":1596.095,"end":1599.875,"sentiment":"neutral","sentiment_score":0.32128714702346106},{"text":"And then we're gonna put all that into the a 200, which is the second one from the bottom there.","start":1600.8151,"end":1605.955,"sentiment":"neutral","sentiment_score":0.04913421785458923}],"sentiment":"neutral","sentiment_score":-0.11082913106368793,"num_words":91,"start":1579.325,"end":1605.955},{"sentences":[{"text":"I've actually noticed that the the name of that one's wrong.","start":1607.855,"end":1611.12,"sentiment":"neutral","sentiment_score":-0.06767923300239173},{"text":"I'm gonna get this document just slightly updated for you because the a 200 is actually Australian 200, not a beta share global agriculture company.","start":1611.12,"end":1618.88,"sentiment":"neutral","sentiment_score":-0.022091047763824465},{"text":"So don't sign this until I go back and get this altered for you.","start":1618.88,"end":1622.9601,"sentiment":"neutral","sentiment_score":-0.024122034332581928},{"text":"I just wanna update the name of that one because it's incorrect.","start":1622.9601,"end":1625.445,"sentiment":"neutral","sentiment_score":-0.01581012923270464},{"text":"But the a 200 is the Australian BetaShares OZY 200.","start":1625.445,"end":1629.6849,"sentiment":"neutral","sentiment_score":0.06515758372843265}],"sentiment":"neutral","sentiment_score":-0.016286138212308288,"num_words":72,"start":1607.855,"end":1629.6849},{"sentences":[{"text":"It's giving you access to the top 200 companies in on the ASX.","start":1629.6849,"end":1633.705,"sentiment":"neutral","sentiment_score":0.09496973311671844},{"text":"The a 200, essentially, is still keeping your Australian exposure into Australian equities.","start":1634.485,"end":1640.0249,"sentiment":"neutral","sentiment_score":0.08152925309080344},{"text":"It's just that it has performed better over the past couple of years.","start":1640.59,"end":1643.87,"sentiment":"neutral","sentiment_score":0.08019106204693134},{"text":"It's not as up and down as Bennelong.","start":1643.87,"end":1645.6499,"sentiment":"neutral","sentiment_score":-0.1588288052007556},{"text":"Bennelong was sort of put in your portfolio to give you a bit of active management, but they haven't really been actively managing everything.","start":1645.7899,"end":1651.73,"sentiment":"neutral","sentiment_score":-0.10374563684066136}],"sentiment":"neutral","sentiment_score":-0.005965564767239799,"num_words":71,"start":1629.6849,"end":1651.73},{"sentences":[{"text":"And some of their underlying investments have not been performing nicely.","start":1652.11,"end":1655.6499,"sentiment":"neutral","sentiment_score":-0.2507446354085749},{"text":"So, unfortunately, we've reviewed them as an investment for you.","start":1656.345,"end":1659.625,"sentiment":"neutral","sentiment_score":-0.31708536595106124},{"text":"It's not performing, so I figured we're doing this advice anyway.","start":1659.625,"end":1662.345,"sentiment":"negative","sentiment_score":-0.35277259349823},{"text":"Let's take the opportunity to go back and remove that out of there and update your portfolio for you as well.","start":1662.345,"end":1668.665,"sentiment":"neutral","sentiment_score":0.04037141433305112},{"text":"Okay?","start":1668.665,"end":1669.165,"sentiment":"neutral","sentiment_score":0.05691725015640259}],"sentiment":"neutral","sentiment_score":-0.1649041893765739,"num_words":54,"start":1652.11,"end":1669.165},{"sentences":[{"text":"Beautiful.","start":1670.22,"end":1670.72,"sentiment":"neutral","sentiment_score":0.05118441581726074},{"text":"You don't as such, but it is part of the S and P 500 as well.","start":1673.74,"end":1677.58,"sentiment":"neutral","sentiment_score":0.007735073682852089},{"text":"So and I think there's some in the beta share cybersecurity.","start":1677.58,"end":1681.84,"sentiment":"neutral","sentiment_score":0.00788516000929204},{"text":"Let me just double check the underlines there.","start":1682.14,"end":1684.425,"sentiment":"neutral","sentiment_score":0.011679418268613517},{"text":"They don't tell you exactly what's in all of them, but you do have access to some of them by here.","start":1684.505,"end":1691.805,"sentiment":"neutral","sentiment_score":0.011205916647754964}],"sentiment":"neutral","sentiment_score":0.010358630712225772,"num_words":57,"start":1670.22,"end":1691.805},{"sentences":[{"text":"Yeah.","start":1704.2,"end":1704.5199,"sentiment":"neutral","sentiment_score":0.02685483731329441},{"text":"Right.","start":1704.5199,"end":1705.0,"sentiment":"neutral","sentiment_score":0.03353478014469147},{"text":"That'll be interesting.","start":1705.0,"end":1705.8799,"sentiment":"neutral","sentiment_score":0.02583254749576251},{"text":"It kinda went through a bit of a a boom phase and took a bit of a dip, didn't it?","start":1705.8799,"end":1710.1399,"sentiment":"neutral","sentiment_score":-0.0595179651863873},{"text":"Yeah.","start":1716.6749,"end":1716.995,"sentiment":"neutral","sentiment_score":0.02954253740608692}],"sentiment":"neutral","sentiment_score":-0.03934344255293791,"num_words":26,"start":1704.2,"end":1716.995},{"sentences":[{"text":"Yeah.","start":1716.995,"end":1717.475,"sentiment":"neutral","sentiment_score":0.039074093103408813},{"text":"Yep.","start":1717.475,"end":1717.975,"sentiment":"neutral","sentiment_score":0.04912270233035088},{"text":"Yeah.","start":1718.115,"end":1718.615,"sentiment":"neutral","sentiment_score":0.05846410244703293},{"text":"Yeah.","start":1718.995,"end":1719.475,"sentiment":"neutral","sentiment_score":0.0630013644695282},{"text":"So having a look at this, it is one of the top 10 holdings within the S and P five hundred.","start":1719.475,"end":1723.975,"sentiment":"neutral","sentiment_score":0.09068330164466586}],"sentiment":"neutral","sentiment_score":0.08456046387553215,"num_words":25,"start":1716.995,"end":1723.975},{"sentences":[{"text":"So you do have some of that.","start":1724.1499,"end":1725.6699,"sentiment":"neutral","sentiment_score":0.09510500462991851},{"text":"Yeah.","start":1725.6699,"end":1726.1499,"sentiment":"neutral","sentiment_score":0.10230483114719392},{"text":"That's perfect.","start":1726.1499,"end":1726.97,"sentiment":"positive","sentiment_score":0.45187096297740936},{"text":"It gives you good absolute exposure.","start":1728.23,"end":1730.1499,"sentiment":"positive","sentiment_score":0.5061817616224289},{"text":"One of the benefits to having the S and P five hundred and the a 200 there is that you are always investing in those top companies.","start":1730.1499,"end":1736.3899,"sentiment":"positive","sentiment_score":0.4040911716443521}],"sentiment":"positive","sentiment_score":0.36324032543357027,"num_words":43,"start":1724.1499,"end":1736.3899},{"sentences":[{"text":"So what a lot of people sort of unaware of is while there's a lot of, unsurety in the market about The US and about equities as a whole at the moment, it has been quite volatile.","start":1736.3899,"end":1745.535,"sentiment":"neutral","sentiment_score":-0.14316510237954758},{"text":"I'm not sure if you've watched the news.","start":1745.535,"end":1746.855,"sentiment":"neutral","sentiment_score":-0.14839107636362314},{"text":"You probably haven't got time with everything you've got going on.","start":1746.855,"end":1749.515,"sentiment":"neutral","sentiment_score":-0.06466905332424423},{"text":"But, essentially, with the S and P 500, it tracks the S and P 500 index.","start":1750.81,"end":1755.2101,"sentiment":"neutral","sentiment_score":0.030156498833093792},{"text":"So that with the index there, the index well, the people who the investment committee around the index, they meet every quarter.","start":1755.2101,"end":1763.0701,"sentiment":"neutral","sentiment_score":0.05296742628243836}],"sentiment":"neutral","sentiment_score":-0.05901925134016795,"num_words":94,"start":1736.3899,"end":1763.0701},{"sentences":[{"text":"Then, essentially, they are deciding which companies fit the criteria to be within the S and P 500 and same with the the Aussie 200, the ones that you know, what companies meet that criteria to remain in that sort of indexes.","start":1763.2101,"end":1776.245,"sentiment":"neutral","sentiment_score":0.104995732683511},{"text":"And if they don't meet that criteria, they are removed and placed with something else.","start":1776.385,"end":1780.0651,"sentiment":"neutral","sentiment_score":-0.22767100408673285},{"text":"So you can rest assured you are always invested in the top 500 companies in the S and P and with the a 200, the Australian top 200 companies there.","start":1780.0651,"end":1789.3,"sentiment":"neutral","sentiment_score":0.29026253297925},{"text":"And when those companies are long no longer performing and don't meet the criteria, they are flicked out of there and something else replaces it, which is really good.","start":1789.3,"end":1796.475,"sentiment":"neutral","sentiment_score":0.0307317313834511},{"text":"Okay?","start":1796.715,"end":1797.215,"sentiment":"neutral","sentiment_score":0.26730555295944214}],"sentiment":"neutral","sentiment_score":0.09283040567404693,"num_words":117,"start":1763.2101,"end":1797.215},{"sentences":[{"text":"Yeah.","start":1797.755,"end":1798.255,"sentiment":"neutral","sentiment_score":0.18755769729614255},{"text":"You're still gonna have a bit of ClearBridge infrastructure income fund.","start":1798.475,"end":1801.6749,"sentiment":"neutral","sentiment_score":0.3046736473386938},{"text":"It's giving you some infrastructure which is good for diversification, and then we'll have some core composite bonds in there as well.","start":1801.6749,"end":1808.315,"sentiment":"neutral","sentiment_score":0.29545209827748214},{"text":"So we are removing the bank hybrids and adding core composite bonds in there, which is a benefit.","start":1808.315,"end":1812.93,"sentiment":"neutral","sentiment_score":0.25710423125161064},{"text":"Essentially, the the BetaShares Bank hybrids those bank hybrids are gonna be phased out in the future.","start":1813.7101,"end":1820.05,"sentiment":"neutral","sentiment_score":0.18031584997387493}],"sentiment":"neutral","sentiment_score":0.2569878201769746,"num_words":69,"start":1797.755,"end":1820.05},{"sentences":[{"text":"So we thought it was better, whilst we're altering your portfolio now, to remove them now.","start":1820.27,"end":1824.27,"sentiment":"neutral","sentiment_score":0.3062013294547796},{"text":"That way, we don't have to worry about down the track.","start":1824.27,"end":1826.565,"sentiment":"positive","sentiment_score":0.3794261867349798},{"text":"We adjust the portfolio now, and then you've got time for your portfolio to, you know, recover and keep growing and benefit from the changes.","start":1826.8049,"end":1833.465,"sentiment":"positive","sentiment_score":0.4609457528591156},{"text":"Does that make sense?","start":1833.5249,"end":1834.585,"sentiment":"neutral","sentiment_score":0.24841317534446716},{"text":"Yep.","start":1835.7649,"end":1836.2649,"sentiment":"neutral","sentiment_score":-0.04398478195071221}],"sentiment":"positive","sentiment_score":0.3780038783555491,"num_words":57,"start":1820.27,"end":1836.2649},{"sentences":[{"text":"Yeah.","start":1838.98,"end":1839.48,"sentiment":"neutral","sentiment_score":-0.0962226390838623},{"text":"Yeah.","start":1846.1799,"end":1846.6799,"sentiment":"neutral","sentiment_score":-0.07418487221002579},{"text":"No.","start":1847.22,"end":1847.7,"sentiment":"neutral","sentiment_score":-0.05060286074876785},{"text":"That's honestly absolutely okay.","start":1847.7,"end":1849.7,"sentiment":"neutral","sentiment_score":0.14385541900992393},{"text":"It's not an issue at all.","start":1849.7,"end":1851.465,"sentiment":"neutral","sentiment_score":0.09463248898585637}],"sentiment":"neutral","sentiment_score":0.07093894137785985,"num_words":13,"start":1838.98,"end":1851.465},{"sentences":[{"text":"As part of the advice document, I do outline the do outline, sorry, the advantages, disadvantages, and the risks involved of the strategies that we are providing.","start":1851.945,"end":1859.885,"sentiment":"neutral","sentiment_score":0.09678852692660359},{"text":"We have had a bit of a look there as well, and there are CGT consequences, and it's important to make sure you are aware of them as well.","start":1860.4249,"end":1866.4249,"sentiment":"neutral","sentiment_score":0.03682071214606022},{"text":"So when we kind of went back and had a look at everything, the capital gains effect on your super fund is about $815 there.","start":1866.4249,"end":1873.67,"sentiment":"neutral","sentiment_score":0.08066926121711732},{"text":"So that's estimated as per the research.","start":1873.67,"end":1876.57,"sentiment":"neutral","sentiment_score":0.08881941916687149},{"text":"Your super fund does the does tax returns every year for you anyway, So they will just account for that as part of it.","start":1876.95,"end":1884.1849,"sentiment":"neutral","sentiment_score":0.18646109166244665}],"sentiment":"neutral","sentiment_score":0.0963805762834714,"num_words":112,"start":1851.945,"end":1884.1849},{"sentences":[{"text":"It'll all be done as part of the switch.","start":1884.1849,"end":1885.945,"sentiment":"neutral","sentiment_score":0.2532329178518719},{"text":"And then when your tax when your super fund does a tax return at the end of the financial year, they'll account for that capital gain as they need to.","start":1885.945,"end":1892.765,"sentiment":"neutral","sentiment_score":0.1378277969857057},{"text":"But to complete the switch and get better performance, and, realistically, the capital gain is about $815, but we're saving approximately $700 in investment fees by making the switch.","start":1892.9049,"end":1903.26,"sentiment":"positive","sentiment_score":0.39051945070768224},{"text":"So it kinda evens itself out at the end of the day as well.","start":1903.26,"end":1906.7999,"sentiment":"positive","sentiment_score":0.4425107538700104},{"text":"Yeah.","start":1908.315,"end":1908.815,"sentiment":"neutral","sentiment_score":0.27238211035728455}],"sentiment":"neutral","sentiment_score":0.2916449024734727,"num_words":83,"start":1884.1849,"end":1908.815},{"sentences":[{"text":"The advantages here, I have recommended retaining hub twenty four.","start":1909.595,"end":1912.635,"sentiment":"positive","sentiment_score":0.39886507391929626},{"text":"There are no real changes to the platform that require us to maybe look at reviewing that in any way, shape, or form.","start":1912.635,"end":1917.995,"sentiment":"neutral","sentiment_score":0.26400665290977643},{"text":"It's still providing a benefit.","start":1917.995,"end":1919.775,"sentiment":"positive","sentiment_score":0.626889705657959},{"text":"With hub twenty four, they allow us to have a lot of different options.","start":1921.115,"end":1924.63,"sentiment":"positive","sentiment_score":0.43209964675562723},{"text":"They actually hold about 1,178 different investment options between Australia, US, and globally.","start":1924.63,"end":1930.01,"sentiment":"neutral","sentiment_score":0.31964540710816014}],"sentiment":"positive","sentiment_score":0.36000057894449966,"num_words":65,"start":1909.595,"end":1930.01},{"sentences":[{"text":"So we do have really good options to be able to alter the portfolios and make changes as we need to, which is fantastic.","start":1930.79,"end":1936.73,"sentiment":"positive","sentiment_score":0.5561676348249117},{"text":"With the disadvantages there, there are capital gains effects for, obviously, making the portfolio switch.","start":1938.115,"end":1943.795,"sentiment":"neutral","sentiment_score":-0.31700494488080344},{"text":"But when I kinda out you know, look at the the capital gains effect as opposed to the investment savings and the long term effect that it can have on your super, it kind of outweighs the CGT effect, and it was really better to make the alterations now for you, especially if you're not quite 50 yet.","start":1943.795,"end":1960.2899,"sentiment":"neutral","sentiment_score":-0.16582487536401586},{"text":"You still got a bit of time ahead of you there.","start":1960.2899,"end":1962.47,"sentiment":"neutral","sentiment_score":-0.1070931154218587},{"text":"So you've got some time to allow your portfolio to continue growing, and we wanna make check this with you every year as we have just to make sure that it can remains in line with your needs and your goals and that we are working harder towards your retirement as well.","start":1962.9299,"end":1976.635,"sentiment":"neutral","sentiment_score":0.2815142288230933}],"sentiment":"neutral","sentiment_score":0.07772388700395823,"num_words":160,"start":1930.79,"end":1976.635},{"sentences":[{"text":"Okay.","start":1976.635,"end":1977.135,"sentiment":"neutral","sentiment_score":0.09302946925163268},{"text":"Yeah.","start":1977.995,"end":1978.495,"sentiment":"neutral","sentiment_score":0.09533454477787018},{"text":"Do you have any questions at all so far?","start":1978.795,"end":1981.135,"sentiment":"neutral","sentiment_score":0.07062671499119864},{"text":"No?","start":1982.9,"end":1983.4,"sentiment":"neutral","sentiment_score":0.013418057933449743},{"text":"All good.","start":1984.74,"end":1985.5599,"sentiment":"neutral","sentiment_score":0.2389911711215973}],"sentiment":"neutral","sentiment_score":0.0939574892233525,"num_words":14,"start":1976.635,"end":1985.5599},{"sentences":[{"text":"It is all very straightforward.","start":1985.78,"end":1986.98,"sentiment":"positive","sentiment_score":0.42101730704307555},{"text":"That's essentially all I needed to kinda go through there for you.","start":1986.98,"end":1990.04,"sentiment":"neutral","sentiment_score":0.274128591020902},{"text":"Down on page number 27, we do sorta have the affected projection showing you the outcome there if you didn't have any insurances.","start":1990.42,"end":1997.6649,"sentiment":"neutral","sentiment_score":0.08067885025039963},{"text":"So, like, we're not making any additional recommendations on the insurances, but because they are paid out of your super fund, it is important to say that.","start":1997.8049,"end":2005.725,"sentiment":"neutral","sentiment_score":-0.02773549840613096},{"text":"You'll see the current and recommended projection table there, but then you can also see the difference.","start":2005.725,"end":2010.25,"sentiment":"neutral","sentiment_score":0.06675260097664945}],"sentiment":"neutral","sentiment_score":0.09090689217693926,"num_words":84,"start":1985.78,"end":2010.25},{"sentences":[{"text":"If you had no insurance that's paid out of super, the overall ten year impact could be quite higher if you got that great rate of return every year moving forward as well.","start":2010.25,"end":2018.8099,"sentiment":"neutral","sentiment_score":0.13006609683912812},{"text":"So that's just sort of showing you the difference.","start":2018.8099,"end":2021.2899,"sentiment":"neutral","sentiment_score":0.11837711516353819},{"text":"It's one of those things.","start":2021.2899,"end":2022.495,"sentiment":"neutral","sentiment_score":0.009940613806247712},{"text":"Having insurance is important.","start":2022.575,"end":2024.015,"sentiment":"neutral","sentiment_score":-0.108976811170578},{"text":"You either pay it in super or out of pocket.","start":2024.015,"end":2026.255,"sentiment":"neutral","sentiment_score":-0.10671540945768357}],"sentiment":"neutral","sentiment_score":0.06400355675303546,"num_words":61,"start":2010.25,"end":2026.255},{"sentences":[{"text":"In super means it's coming out of your fund and can affect, obviously, long term retirement goals, whereas out of your back pocket makes it harder to cover when we don't have an expenditure isn't really working in our favor.","start":2026.255,"end":2037.36,"sentiment":"neutral","sentiment_score":-0.24022504705935716},{"text":"But it is a bit of a juggling act as well because your insurances are quite expensive and will get more expensive over time.","start":2038.06,"end":2044.2201,"sentiment":"negative","sentiment_score":-0.34093734187384445},{"text":"We wanna review those with you to make sure they stay in line with your goals, but that you're not it's not eating away too much if you sleep at the end of the day as well.","start":2044.2201,"end":2051.925,"sentiment":"neutral","sentiment_score":-0.1342961038840381},{"text":"Okay.","start":2051.985,"end":2052.485,"sentiment":"neutral","sentiment_score":0.061808228492736816},{"text":"Yep.","start":2053.185,"end":2053.685,"sentiment":"neutral","sentiment_score":0.22396425902843475}],"sentiment":"neutral","sentiment_score":-0.21820079071393,"num_words":103,"start":2026.255,"end":2053.685},{"sentences":[{"text":"Perfect.","start":2053.825,"end":2054.325,"sentiment":"positive","sentiment_score":0.5626201629638672},{"text":"The advice has been provided at no additional cost.","start":2054.7852,"end":2057.605,"sentiment":"neutral","sentiment_score":0.31810176538096535},{"text":"You pay an ongoing service fee for our services as you are our client.","start":2057.665,"end":2061.86,"sentiment":"neutral","sentiment_score":0.21139243351561682},{"text":"You pay 1.65% as an ongoing service fee.","start":2062.1,"end":2065.54,"sentiment":"neutral","sentiment_score":0.1565098538994789},{"text":"That is paid out of super on a monthly basis as a 1.65 is the yearly amount.","start":2065.78,"end":2070.84,"sentiment":"neutral","sentiment_score":0.14965901392347672}],"sentiment":"neutral","sentiment_score":0.2077818813980842,"num_words":49,"start":2053.825,"end":2070.84},{"sentences":[{"text":"We do cap those at 600,000 currently.","start":2071.22,"end":2073.8,"sentiment":"neutral","sentiment_score":0.13125549256801605},{"text":"And on page number, sorry, 30, you'll see how much the estimated fee is.","start":2074.26,"end":2079.0251,"sentiment":"neutral","sentiment_score":0.07841872051358223},{"text":"It's also in this projection table above there for you as well.","start":2079.0251,"end":2082.245,"sentiment":"neutral","sentiment_score":0.11180214149256547},{"text":"Essentially, as an ongoing service client, we're here to review your circumstances, look at providing the advice documents, and making sure we're working towards your retirement goals and altering the strategies as your life changes.","start":2083.185,"end":2094.3,"sentiment":"neutral","sentiment_score":0.20601666058812823},{"text":"Because as much as, you know, sixteen years doesn't feel like a long time away, it is.","start":2094.3,"end":2098.46,"sentiment":"neutral","sentiment_score":0.016496569137362874}],"sentiment":"neutral","sentiment_score":0.12763883563525535,"num_words":85,"start":2071.22,"end":2098.46},{"sentences":[{"text":"There's a lot of things that could change in that time, and we could provide another 12 to 16 documents in that time frame to update your circumstances as well.","start":2098.46,"end":2106.225,"sentiment":"neutral","sentiment_score":0.08286930912484726},{"text":"Okay?","start":2106.225,"end":2106.725,"sentiment":"neutral","sentiment_score":0.10958109050989152},{"text":"Perfect.","start":2107.825,"end":2108.325,"sentiment":"neutral","sentiment_score":0.07668602466583252},{"text":"With the insurances, we do also note here that we do receive remuneration ongoing from the premium stamp.","start":2108.625,"end":2114.565,"sentiment":"neutral","sentiment_score":0.13253393231166732},{"text":"This outlines the total for the year that we are expected to receive.","start":2115.23,"end":2119.25,"sentiment":"neutral","sentiment_score":0.21156848623202398}],"sentiment":"neutral","sentiment_score":0.12394202367535659,"num_words":63,"start":2098.46,"end":2119.25},{"sentences":[{"text":"It is 2222% ongoing.","start":2119.63,"end":2122.0498,"sentiment":"neutral","sentiment_score":0.21243752539157867},{"text":"The remuneration is not the main thing for insurances.","start":2122.67,"end":2125.65,"sentiment":"neutral","sentiment_score":0.022363773236672085},{"text":"Insurances are there to meet your goals, and our recommendations should always be in your best interest.","start":2125.71,"end":2130.225,"sentiment":"neutral","sentiment_score":0.23995487917872035},{"text":"But we don't want your premiums to either way get super you know, as you get close to retirement as well.","start":2130.705,"end":2135.8252,"sentiment":"neutral","sentiment_score":-0.06600766936095342},{"text":"So we will review those moving forward, making sure to keep the the cost as low as possible.","start":2135.8252,"end":2140.885,"sentiment":"neutral","sentiment_score":0.13585961527294582}],"sentiment":"neutral","sentiment_score":0.08970389891402338,"num_words":69,"start":2119.63,"end":2140.885},{"sentences":[{"text":"But we just like to outline the ongoing remuneration so you can see essentially how much we do receive from those insurance premiums, all part of being open and honest and clear with everything we've got.","start":2141.2651,"end":2150.71,"sentiment":"positive","sentiment_score":0.4287172862225109},{"text":"Okay?","start":2150.77,"end":2151.27,"sentiment":"neutral","sentiment_score":0.2778993844985962},{"text":"Beautiful.","start":2152.45,"end":2152.95,"sentiment":"positive","sentiment_score":0.6007262468338013},{"text":"Do you have any questions?","start":2153.4102,"end":2155.01,"sentiment":"neutral","sentiment_score":0.2639380514621735},{"text":"It's all pretty straightforward.","start":2155.01,"end":2156.47,"sentiment":"positive","sentiment_score":0.3685567155480385}],"sentiment":"positive","sentiment_score":0.40651840542225126,"num_words":47,"start":2141.2651,"end":2156.47},{"sentences":[{"text":"Beautiful.","start":2160.2249,"end":2160.625,"sentiment":"neutral","sentiment_score":0.24342405796051023},{"text":"What I wanna do, there is just that one section I wanna have updated.","start":2160.625,"end":2164.085,"sentiment":"neutral","sentiment_score":0.04011718423238823},{"text":"So I will just have a slight update done on the advice document.","start":2164.145,"end":2167.265,"sentiment":"neutral","sentiment_score":0.011757097135369595},{"text":"Don't sign it yet.","start":2167.265,"end":2168.405,"sentiment":"neutral","sentiment_score":-0.1483861543238163},{"text":"I will just probably cancel this this DocuSign.","start":2168.865,"end":2172.6199,"sentiment":"neutral","sentiment_score":-0.3023273702710867}],"sentiment":"neutral","sentiment_score":-0.05135641698725522,"num_words":40,"start":2160.2249,"end":2172.6199},{"sentences":[{"text":"I'll get it updated, and then I'll resend it through to you.","start":2172.92,"end":2176.22,"sentiment":"neutral","sentiment_score":-0.020747173111885786},{"text":"And then once you get it through, there'll be a text box on the very last page.","start":2176.92,"end":2181.0,"sentiment":"neutral","sentiment_score":0.0729100215522682},{"text":"You can just note down there if you're comfortable that you don't wish to proceed with the salary sacrifice due to your changes and circumstances.","start":2181.0,"end":2187.115,"sentiment":"neutral","sentiment_score":-0.08589061151258648},{"text":"And then we can, have another catch up in about a month's time and just kind of reassess that if you like.","start":2188.2148,"end":2194.375,"sentiment":"neutral","sentiment_score":0.07892867550253868},{"text":"Okay?","start":2194.375,"end":2194.875,"sentiment":"neutral","sentiment_score":0.07989973574876785}],"sentiment":"neutral","sentiment_score":0.008565838935530999,"num_words":77,"start":2172.92,"end":2194.875},{"sentences":[{"text":"Beautiful.","start":2196.375,"end":2196.875,"sentiment":"positive","sentiment_score":0.5981876850128174},{"text":"Did you want me to book in a time in about a month now while I've got you here just so we've got that in the calendar ready to go?","start":2197.255,"end":2203.73,"sentiment":"neutral","sentiment_score":0.1552555891374747},{"text":"Absolutely.","start":2206.99,"end":2207.49,"sentiment":"neutral","sentiment_score":0.1253340244293213},{"text":"Is this time of day better for you?","start":2208.19,"end":2210.3499,"sentiment":"neutral","sentiment_score":0.04326216806657612},{"text":"Or yep.","start":2210.3499,"end":2213.825,"sentiment":"neutral","sentiment_score":0.09347976744174957}],"sentiment":"neutral","sentiment_score":0.14081538721386874,"num_words":42,"start":2196.375,"end":2213.825},{"sentences":[{"text":"Perfect.","start":2213.825,"end":2214.325,"sentiment":"neutral","sentiment_score":0.053558241575956345},{"text":"You're right.","start":2219.665,"end":2220.565,"sentiment":"neutral","sentiment_score":0.1489068642258644},{"text":"I have availability on Wednesday, April 15.","start":2221.185,"end":2225.42,"sentiment":"neutral","sentiment_score":0.09067477285861969},{"text":"Is that okay?","start":2225.42,"end":2226.2998,"sentiment":"neutral","sentiment_score":0.08951957275470097},{"text":"Is this a few days beforehand?","start":2226.2998,"end":2227.8398,"sentiment":"neutral","sentiment_score":0.06066394845644633}],"sentiment":"neutral","sentiment_score":0.08519146258109495,"num_words":19,"start":2213.825,"end":2227.8398},{"sentences":[{"text":"Yep.","start":2229.66,"end":2229.98,"sentiment":"neutral","sentiment_score":0.29913434386253357},{"text":"Beautiful.","start":2229.98,"end":2230.38,"sentiment":"positive","sentiment_score":0.7642202377319336},{"text":"And I'll make it there at 03:30.","start":2230.38,"end":2232.24,"sentiment":"positive","sentiment_score":0.440984057528632},{"text":"Perfect.","start":2232.2998,"end":2232.7998,"sentiment":"positive","sentiment_score":0.7040424346923828},{"text":"So I've booked that one in for you.","start":2232.8599,"end":2234.46,"sentiment":"positive","sentiment_score":0.44365425035357475}],"sentiment":"positive","sentiment_score":0.4668621901008818,"num_words":18,"start":2229.66,"end":2234.46},{"sentences":[{"text":"I'll add a little text message reminder as well for you, Scott, and we can kind of have a chat about where things are up to with you and what we need to maybe look at.","start":2234.46,"end":2244.485,"sentiment":"neutral","sentiment_score":0.3079860318038199},{"text":"Okay?","start":2244.485,"end":2244.985,"sentiment":"neutral","sentiment_score":0.14657500386238098},{"text":"Perfect.","start":2246.805,"end":2247.305,"sentiment":"positive","sentiment_score":0.6500542163848877},{"text":"Thank you so much.","start":2247.365,"end":2248.165,"sentiment":"positive","sentiment_score":0.8233363032341003},{"text":"I'll get that updated, and I'll resend it through to you shortly.","start":2248.165,"end":2250.825,"sentiment":"positive","sentiment_score":0.4316341032584508}],"sentiment":"positive","sentiment_score":0.3769829780967147,"num_words":54,"start":2234.46,"end":2250.825},{"sentences":[{"text":"Thank you.","start":2252.3188,"end":2252.7988,"sentiment":"positive","sentiment_score":0.6797425746917725},{"text":"I'll talk to you soon.","start":2252.7988,"end":2253.679,"sentiment":"positive","sentiment_score":0.4155683696269989},{"text":"See you later.","start":2253.679,"end":2254.4988,"sentiment":"neutral","sentiment_score":0.332090824842453},{"text":"Bye.","start":2255.2788,"end":2255.7788,"sentiment":"neutral","sentiment_score":-0.12018750607967375}],"sentiment":"positive","sentiment_score":0.39212836054238404,"num_words":11,"start":2252.3188,"end":2255.7788}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. I've I've got my appointment today. Am I? No. No. No. No. No. We can do it now. I can do I can fit in the I'll just finish the job, so I'll I'll fit in the van and do it. I forgot all of it. I do. Yeah. I do. Just give me two seconds while I put my gear away. And then I'll just finish the job anyway. I was just talking to the customer. They they gone back inside. So yeah. It is actually good timing to the the task, I say, when it comes to talking to the yeah. Yep. Yep. Scott Daniel Sawyer. Twenty fourth and third nineteen seventy six. 99 South Street, South, Mackenzie 52 90. Yep. Yep. Okay. Alright. Cool. Alright. Are you you are you the one doing the financial stuff for me now? Yep. Yep. Yep. You're doing it originally. You weren't originally doing it, were you? Okay. Yep. Yep. Yep. Cool. So I've got the email I've got the email here now. Yep. Yep. Okay. Okay. So so if I push sign off here with that, I opens it up, does it? Yep. Okay. Okay. Cool. Second. Yep. That's it. That's why it's just loading. Good. So since I talked to whoever rang up and booked the appointment, because I don't think he was it. Hang on. Yep. So I'm potentially finishing up where I am and going to work for myself. Yep. So I've been looking at like, we had a few people leave. Like, we had lost the tradesmen, and we had some apprentice to finish up. They decided they weren't staying. So now the time of the business I am is electrical and construction. So they decided with the electrical, they were gonna close. So and I always thought I had another job, but that fell through last minute because they're not sure about they got jobs coming up, but they're not ready to start yet, so they'll be reluctant to put someone on straight away. So in the meantime, I've been thinking maybe I just should do my own thing. So four I finished on the tenth of the fourth. So that's three weeks. And then I've got three weeks I think that three or four weeks annual leave would be due to that I'll get paid out for as well. And then I've also got six months on service. So you want to potentially use some of that if I need to as well. So so I've got a few different things up. Let's see if I really get stuck and I need a bit of time to set some stuff out. Yep. Yep. Yep. Yep. At this point, I'm thinking myself, but then I've I've got a mate that, like, one of the rules and stuff. So he said, potentially, he can get me a couple of days a week down there as well. So that's obviously I gotta back up there as well if I need a couple of bit of billing time as well. Yep. Yeah. Yep. Yep. Alright. I'm just trying to I closed it accidentally, and now I'm trying to open it again. Yes. So there's not there's always been work, and I've been obviously doing this for thirty years. So I've got a good name around here anyway. So I've already I've already talked to I went to do a job for work this morning, and they go because I've obviously heard we're shut we're shutting the electrical. And they go, what are you doing? I get he goes, I'll get you to do the work at work still anyway. So and there's already one straight up. So and that's not talking to anybody else. So there's there's I got plenty of contacts and stuff anyway. So yep. Yep. Yep. So I'm in the scope of advice and stuff at the moment. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Can I can I lump sum in you say you're working for yourself in some months or weeks are better than others and blah blah blah? I can obviously do more in one week, less than the next week, and so on. Yep. Yep. Yep. Oh, I can. Yeah. Yep. Yep. Yep. Yep. Yep. Cool. Because I've gotta I've gotta talk to my accountant stuff and work out a few different pieces as well. So and things like I I need to borrow a vehicle and stuff like that. So whether I'm set up trying to do that before the end of this financial year or whether I'll wait next, yeah. And do it then. So I've got a lot lot of questions for him as well. Yeah. Alright. Sorry. I'll be thinking about it. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Potentially, I'm talking to the account, and I could be like yeah. So so, potentially, I might be turning everything into a trust, because apparently, that's that's a that's a safer way of protecting assets and stuff as well. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. You're talking about the ones with the income stuff on it? The the agent, all that sort of stuff? Yeah. Yeah. I think that's pretty much yep. Well, I'm doing my I'm doing my divorce papers and stuff as as we speak. So I just gotta get get them back and do that side of it. So that'll be done. So oh, yeah. Oh, that was just something I haven't been able to do and say, me and my ex wife is on on talking terms and stuff like that anyway. So it's it's just up to you and things sitting there. It's like, oh, well, my mother's just static because she's she's met someone else and I've met someone else. So it's not like there's no we're not there's no spot between those two. So we've we've got a good balance to brush. Yeah. So it's just one of those things that we hadn't got around to. So Not at the moment till I work out how much money I'm spending on vehicles and stuff for this business. Yep. Yep. Which as you said that, which should probably be fine anyway because because I've got all that long service place sitting there anyway, and I'll and I'll never lose it. So worst couple of worst, I'll I'll get paid out for it. So Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. I guess. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. We might make it a we won't make it a better month if they can. Okay. Yeah. Because I don't give yep. Yep. Cool. Yep. Yep. Yep. Yeah. Okay. Okay. Okay. Yep. Yep. Yep. Do we have any tech do we have anything in Tesla or not? Okay. Yep. Yep. Because one of my my partner's stepfather is in after I have to share some stuff, and he told me to get on Tesla because he reckons it's gonna boom. So yep, so he reckons it's gonna go nuts it's gonna go nuts because, obviously, he's he's into everything. So yep. Okay. Yep. Yeah. Yeah. Yep. Yep. Okay. Yeah. Oh, okay. K. Yeah. Yep. Yeah. I realized I had to I realized things go up and down and things get sold off and stuff like that. I'm not a first I'm not a person who thinks that everything's always gonna be everything's gonna be always good. There's always gonna be ups and downs. Yep. Yeah. Yes. Yep. Yeah. Yep. Yep. What? Hello? Yep. Yep. Yep. Yep. Yep. And no. Not not at the moment. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Cool. If we can make it a yeah. Make it a Wednesday if we can at yeah. Or whatever. Yeah. 04:30 is is good. Normal normally, I finish work, so that's why I was a bit surprised when I had Yeah. That should be right. Yep. Yep. Yep. Oh, three d. Alright. Thank you very much. Okay. 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Hello? Good. I've I've got my appointment today. Am I?\n\nNo. No. No. No. No.\n\nWe can do it now. I can do I can fit in the I'll just finish the job, so I'll I'll fit in the van and do it. I forgot all of it. I do. Yeah.\n\nI do. Just give me two seconds while I put my gear away. And then I'll just finish the job anyway. I was just talking to the customer. They they gone back inside.\n\nSo yeah. It is actually good timing to the the task, I say, when it comes to talking to the yeah. Yep. Yep. Scott Daniel Sawyer.\n\nTwenty fourth and third nineteen seventy six. 99 South Street, South, Mackenzie 52 90. Yep. Yep. Okay.\n\nAlright. Cool. Alright. Are you you are you the one doing the financial stuff for me now? Yep.\n\nYep. Yep. You're doing it originally. You weren't originally doing it, were you? Okay.\n\nYep. Yep. Yep. Cool. So I've got the email I've got the email here now.\n\nYep. Yep. Okay. Okay. So so if I push sign off here with that, I opens it up, does it?\n\nYep. Okay. Okay. Cool. Second.\n\nYep. That's it. That's why it's just loading. Good. So since I talked to whoever rang up and booked the appointment, because I don't think he was it.\n\nHang on. Yep. So I'm potentially finishing up where I am and going to work for myself. Yep. So I've been looking at like, we had a few people leave.\n\nLike, we had lost the tradesmen, and we had some apprentice to finish up. They decided they weren't staying. So now the time of the business I am is electrical and construction. So they decided with the electrical, they were gonna close. So and I always thought I had another job, but that fell through last minute because they're not sure about they got jobs coming up, but they're not ready to start yet, so they'll be reluctant to put someone on straight away.\n\nSo in the meantime, I've been thinking maybe I just should do my own thing. So four I finished on the tenth of the fourth. So that's three weeks. And then I've got three weeks I think that three or four weeks annual leave would be due to that I'll get paid out for as well. And then I've also got six months on service.\n\nSo you want to potentially use some of that if I need to as well. So so I've got a few different things up. Let's see if I really get stuck and I need a bit of time to set some stuff out. Yep. Yep.\n\nYep. Yep. At this point, I'm thinking myself, but then I've I've got a mate that, like, one of the rules and stuff. So he said, potentially, he can get me a couple of days a week down there as well. So that's obviously I gotta back up there as well if I need a couple of bit of billing time as well.\n\nYep. Yeah. Yep. Yep. Alright.\n\nI'm just trying to I closed it accidentally, and now I'm trying to open it again. Yes. So there's not there's always been work, and I've been obviously doing this for thirty years. So I've got a good name around here anyway. So I've already I've already talked to I went to do a job for work this morning, and they go because I've obviously heard we're shut we're shutting the electrical.\n\nAnd they go, what are you doing? I get he goes, I'll get you to do the work at work still anyway. So and there's already one straight up. So and that's not talking to anybody else. So there's there's I got plenty of contacts and stuff anyway.\n\nSo yep. Yep. Yep. So I'm in the scope of advice and stuff at the moment. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Can I can I lump sum in you say you're working for yourself in some months or weeks are better than others and blah blah blah? I can obviously do more in one week, less than the next week, and so on.\n\nYep. Yep. Yep. Oh, I can. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nCool. Because I've gotta I've gotta talk to my accountant stuff and work out a few different pieces as well. So and things like I I need to borrow a vehicle and stuff like that. So whether I'm set up trying to do that before the end of this financial year or whether I'll wait next, yeah. And do it then.\n\nSo I've got a lot lot of questions for him as well. Yeah. Alright. Sorry. I'll be thinking about it.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Potentially, I'm talking to the account, and I could be like yeah.\n\nSo so, potentially, I might be turning everything into a trust, because apparently, that's that's a that's a safer way of protecting assets and stuff as well. Yep. Yep. Yep. Yep.\n\nYep. Yep. Okay. Yep. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. You're talking about the ones with the income stuff on it?\n\nThe the agent, all that sort of stuff? Yeah. Yeah. I think that's pretty much yep. Well, I'm doing my I'm doing my divorce papers and stuff as as we speak.\n\nSo I just gotta get get them back and do that side of it. So that'll be done. So oh, yeah. Oh, that was just something I haven't been able to do and say, me and my ex wife is on on talking terms and stuff like that anyway. So it's it's just up to you and things sitting there.\n\nIt's like, oh, well, my mother's just static because she's she's met someone else and I've met someone else. So it's not like there's no we're not there's no spot between those two. So we've we've got a good balance to brush. Yeah. So it's just one of those things that we hadn't got around to.\n\nSo Not at the moment till I work out how much money I'm spending on vehicles and stuff for this business. Yep. Yep. Which as you said that, which should probably be fine anyway because because I've got all that long service place sitting there anyway, and I'll and I'll never lose it. So worst couple of worst, I'll I'll get paid out for it.\n\nSo Yep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. I guess. Yeah. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. We might make it a we won't make it a better month if they can. Okay.\n\nYeah. Because I don't give yep. Yep. Cool. Yep.\n\nYep. Yep. Yeah. Okay. Okay.\n\nOkay. Yep. Yep. Yep. Do we have any tech do we have anything in Tesla or not?\n\nOkay. Yep. Yep. Because one of my my partner's stepfather is in after I have to share some stuff, and he told me to get on Tesla because he reckons it's gonna boom. So yep, so he reckons it's gonna go nuts it's gonna go nuts because, obviously, he's he's into everything.\n\nSo yep. Okay. Yep. Yeah. Yeah.\n\nYep. Yep. Okay. Yeah. Oh, okay.\n\nK. Yeah. Yep. Yeah. I realized I had to I realized things go up and down and things get sold off and stuff like that.\n\nI'm not a first I'm not a person who thinks that everything's always gonna be everything's gonna be always good. There's always gonna be ups and downs. Yep. Yeah. Yes.\n\nYep. Yeah. Yep. Yep. What?\n\nHello? Yep. Yep. Yep. Yep.\n\nYep. And no. Not not at the moment. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nCool. If we can make it a yeah. Make it a Wednesday if we can at yeah. Or whatever. Yeah.\n\n04:30 is is good. Normal normally, I finish work, so that's why I was a bit surprised when I had Yeah. That should be right. Yep. Yep.\n\nYep. Oh, three d. Alright. Thank you very much. Okay.\n\nStay apart.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.020107153803110123},{"text":"Hello?","start":3.36,"end":3.86,"sentiment":"neutral","sentiment_score":0.030521342530846596},{"text":"Good.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.6176152229309082},{"text":"I've I've got my appointment today.","start":9.28,"end":10.559999,"sentiment":"positive","sentiment_score":0.38618039588133496},{"text":"Am 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do I can fit in the I'll just finish the job, so I'll I'll fit in the van and do it.","start":17.625,"end":21.185001,"sentiment":"neutral","sentiment_score":0.05937603618139806},{"text":"I forgot all of it.","start":21.185001,"end":22.365,"sentiment":"neutral","sentiment_score":-0.03970364108681679},{"text":"I do.","start":29.01,"end":29.67,"sentiment":"neutral","sentiment_score":-0.09184278175234795},{"text":"Yeah.","start":30.130001,"end":30.45,"sentiment":"neutral","sentiment_score":0.03972362354397774}],"sentiment":"neutral","sentiment_score":0.03299914600534572,"num_words":36,"start":16.664999,"end":30.45},{"sentences":[{"text":"I do.","start":30.45,"end":30.85,"sentiment":"neutral","sentiment_score":0.09191551432013512},{"text":"Just give me two seconds while I put my gear away.","start":30.85,"end":33.03,"sentiment":"neutral","sentiment_score":0.009075101295655424},{"text":"And then I'll just finish the job 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Yep.","start":1083.45,"end":1105.9,"sentiment":"neutral","sentiment_score":0.13328365981578827},{"text":"Yep.","start":1113.3201,"end":1113.645,"sentiment":"neutral","sentiment_score":0.13032284379005432},{"text":"Yep.","start":1113.885,"end":1114.385,"sentiment":"neutral","sentiment_score":0.21852955222129825},{"text":"Yep.","start":1122.365,"end":1122.865,"sentiment":"neutral","sentiment_score":0.07241553068161011},{"text":"Yep.","start":1143.9751,"end":1144.4751,"sentiment":"neutral","sentiment_score":0.15406641364097595}],"sentiment":"neutral","sentiment_score":0.14031694332758585,"num_words":6,"start":1083.45,"end":1144.4751},{"sentences":[{"text":"Yep.","start":1170.965,"end":1171.465,"sentiment":"neutral","sentiment_score":0.19984357059001925},{"text":"Yep.","start":1212.03,"end":1212.405,"sentiment":"neutral","sentiment_score":0.08956088870763779},{"text":"Yep.","start":1226.41,"end":1226.91,"sentiment":"neutral","sentiment_score":-0.009268296882510184},{"text":"Yep.","start":1232.41,"end":1232.91,"sentiment":"neutral","sentiment_score":0.13456234335899353},{"text":"Yep.","start":1233.05,"end":1233.55,"sentiment":"neutral","sentiment_score":0.1632692664861679}],"sentiment":"neutral","sentiment_score":0.11559355445206165,"num_words":5,"start":1170.965,"end":1233.55},{"sentences":[{"text":"Yep.","start":1258.2001,"end":1258.7001,"sentiment":"positive","sentiment_score":0.3410830497741699},{"text":"I 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might make it a we won't make it a better month if they can.","start":1462.1001,"end":1466.5449,"sentiment":"neutral","sentiment_score":-0.18504607081413268},{"text":"Okay.","start":1467.4049,"end":1467.9049,"sentiment":"neutral","sentiment_score":0.03400144726037979}],"sentiment":"neutral","sentiment_score":-0.13277118515811467,"num_words":19,"start":1448.4751,"end":1467.9049},{"sentences":[{"text":"Yeah.","start":1468.365,"end":1468.7649,"sentiment":"neutral","sentiment_score":0.1329585611820221},{"text":"Because I don't give yep.","start":1468.7649,"end":1472.225,"sentiment":"neutral","sentiment_score":0.018948744609951974},{"text":"Yep.","start":1472.2849,"end":1472.605,"sentiment":"neutral","sentiment_score":0.26514753699302673},{"text":"Cool.","start":1472.605,"end":1473.105,"sentiment":"positive","sentiment_score":0.5534387230873108},{"text":"Yep.","start":1481.5,"end":1482.0,"sentiment":"neutral","sentiment_score":0.10962218046188354}],"sentiment":"neutral","sentiment_score":0.12843452497488922,"num_words":9,"start":1468.365,"end":1482.0},{"sentences":[{"text":"Yep.","start":1501.835,"end":1502.13,"sentiment":"neutral","sentiment_score":0.01994279213249683},{"text":"Yep.","start":1600.045,"end":1600.38,"sentiment":"neutral","sentiment_score":0.10622437298297882},{"text":"Yeah.","start":1606.22,"end":1606.46,"sentiment":"neutral","sentiment_score":0.028410587459802628},{"text":"Okay.","start":1606.46,"end":1606.96,"sentiment":"neutral","sentiment_score":0.022733069956302643},{"text":"Okay.","start":1613.74,"end":1614.135,"sentiment":"neutral","sentiment_score":-0.014067207463085651}],"sentiment":"neutral","sentiment_score":0.03264872301369905,"num_words":5,"start":1501.835,"end":1614.135},{"sentences":[{"text":"Okay.","start":1621.655,"end":1622.155,"sentiment":"neutral","sentiment_score":-0.005575358867645264},{"text":"Yep.","start":1634.23,"end":1634.73,"sentiment":"neutral","sentiment_score":0.07635842263698578},{"text":"Yep.","start":1662.86,"end":1663.36,"sentiment":"neutral","sentiment_score":0.061980776488780975},{"text":"Yep.","start":1668.715,"end":1669.215,"sentiment":"neutral","sentiment_score":0.09130220860242844},{"text":"Do we have any tech do we have anything in Tesla or not?","start":1669.755,"end":1672.895,"sentiment":"neutral","sentiment_score":0.033239045789322026}],"sentiment":"neutral","sentiment_score":0.03859844965421978,"num_words":17,"start":1621.655,"end":1672.895},{"sentences":[{"text":"Okay.","start":1677.755,"end":1678.08,"sentiment":"neutral","sentiment_score":0.017282642424106598},{"text":"Yep.","start":1684.72,"end":1685.22,"sentiment":"neutral","sentiment_score":-0.016210583969950676},{"text":"Yep.","start":1687.2,"end":1687.7,"sentiment":"neutral","sentiment_score":0.01632276363670826},{"text":"Because one of my my partner's stepfather is in after I have to share some stuff, and he told me to get on Tesla because he reckons it's gonna boom.","start":1692.24,"end":1703.125,"sentiment":"neutral","sentiment_score":-0.002044872629145781},{"text":"So yep, so he reckons it's gonna go nuts it's gonna go nuts because, obviously, he's he's into everything.","start":1704.2251,"end":1716.2599,"sentiment":"neutral","sentiment_score":-0.10244846971411455}],"sentiment":"neutral","sentiment_score":-0.03827831310291703,"num_words":52,"start":1677.755,"end":1716.2599},{"sentences":[{"text":"So yep.","start":1724.055,"end":1724.795,"sentiment":"neutral","sentiment_score":0.09058801457285881},{"text":"Okay.","start":1725.8151,"end":1726.3151,"sentiment":"neutral","sentiment_score":0.1286386251449585},{"text":"Yep.","start":1726.375,"end":1726.875,"sentiment":"positive","sentiment_score":0.38270556926727295},{"text":"Yeah.","start":1747.445,"end":1747.605,"sentiment":"neutral","sentiment_score":-0.0463179387152195},{"text":"Yeah.","start":1747.605,"end":1748.105,"sentiment":"neutral","sentiment_score":-0.0317966490983963}],"sentiment":"neutral","sentiment_score":0.1024009392907222,"num_words":6,"start":1724.055,"end":1748.105},{"sentences":[{"text":"Yep.","start":1749.6849,"end":1750.1849,"sentiment":"neutral","sentiment_score":0.012493657879531384},{"text":"Yep.","start":1776.425,"end":1776.925,"sentiment":"neutral","sentiment_score":0.03744460269808769},{"text":"Okay.","start":1780.585,"end":1781.085,"sentiment":"neutral","sentiment_score":0.1308380663394928},{"text":"Yeah.","start":1795.24,"end":1795.74,"sentiment":"neutral","sentiment_score":0.1128009557723999},{"text":"Oh, okay.","start":1795.8,"end":1796.325,"sentiment":"positive","sentiment_score":0.44379495084285736}],"sentiment":"neutral","sentiment_score":0.19686119739587107,"num_words":6,"start":1749.6849,"end":1796.325},{"sentences":[{"text":"K.","start":1796.8049,"end":1797.3049,"sentiment":"neutral","sentiment_score":0.16400378942489624},{"text":"Yeah.","start":1807.6849,"end":1808.1849,"sentiment":"neutral","sentiment_score":0.1812978833913803},{"text":"Yep.","start":1834.715,"end":1835.195,"sentiment":"neutral","sentiment_score":0.06759464740753174},{"text":"Yeah.","start":1835.195,"end":1835.4349,"sentiment":"neutral","sentiment_score":0.03534584492444992},{"text":"I realized I had to I realized things go up and down and things get sold off and stuff like that.","start":1835.4349,"end":1839.65,"sentiment":"neutral","sentiment_score":-0.17624261762414659}],"sentiment":"neutral","sentiment_score":-0.1301141121983528,"num_words":25,"start":1796.8049,"end":1839.65},{"sentences":[{"text":"I'm not a first I'm not a person who thinks that everything's always gonna be everything's gonna be always good.","start":1839.65,"end":1845.41,"sentiment":"neutral","sentiment_score":-0.14487740881741046},{"text":"There's always gonna be ups and downs.","start":1845.41,"end":1846.95,"sentiment":"neutral","sentiment_score":-0.09860984768186297},{"text":"Yep.","start":1881.855,"end":1882.355,"sentiment":"neutral","sentiment_score":0.17171591520309448},{"text":"Yeah.","start":1892.91,"end":1893.41,"sentiment":"neutral","sentiment_score":0.1224576085805893},{"text":"Yes.","start":1898.685,"end":1899.185,"sentiment":"positive","sentiment_score":0.35342082381248474}],"sentiment":"neutral","sentiment_score":-0.09800742541750272,"num_words":30,"start":1839.65,"end":1899.185},{"sentences":[{"text":"Yep.","start":1904.6925,"end":1905.1925,"sentiment":"positive","sentiment_score":0.4897044599056244},{"text":"Yeah.","start":1962.76,"end":1963.26,"sentiment":"neutral","sentiment_score":0.08357331901788712},{"text":"Yep.","start":1977.255,"end":1977.415,"sentiment":"neutral","sentiment_score":0.08131061494350433},{"text":"Yep.","start":1977.415,"end":1977.915,"sentiment":"neutral","sentiment_score":0.08708508312702179},{"text":"What?","start":1981.975,"end":1982.475,"sentiment":"neutral","sentiment_score":0.005650168284773827}],"sentiment":"neutral","sentiment_score":0.1494647290557623,"num_words":5,"start":1904.6925,"end":1982.475},{"sentences":[{"text":"Hello?","start":2037.8099,"end":2038.3099,"sentiment":"neutral","sentiment_score":-0.09946216642856598},{"text":"Yep.","start":2052.225,"end":2052.725,"sentiment":"neutral","sentiment_score":0.0719597190618515},{"text":"Yep.","start":2052.865,"end":2053.365,"sentiment":"neutral","sentiment_score":0.11117193102836607},{"text":"Yep.","start":2106.675,"end":2107.175,"sentiment":"neutral","sentiment_score":0.17873947322368622},{"text":"Yep.","start":2143.5352,"end":2143.695,"sentiment":"neutral","sentiment_score":0.2637125849723816}],"sentiment":"neutral","sentiment_score":0.10522430837154388,"num_words":5,"start":2037.8099,"end":2143.695},{"sentences":[{"text":"Yep.","start":2143.695,"end":2144.195,"sentiment":"neutral","sentiment_score":0.31862673163414},{"text":"And no.","start":2157.7751,"end":2158.335,"sentiment":"neutral","sentiment_score":-0.09247664362192155},{"text":"Not not at the moment.","start":2158.335,"end":2159.75,"sentiment":"neutral","sentiment_score":-0.24815746247768403},{"text":"Yep.","start":2164.93,"end":2165.43,"sentiment":"neutral","sentiment_score":0.016529478132724762},{"text":"Yep.","start":2168.45,"end":2168.95,"sentiment":"neutral","sentiment_score":-0.07518784701824188}],"sentiment":"neutral","sentiment_score":-0.11657722368836403,"num_words":10,"start":2143.695,"end":2168.95},{"sentences":[{"text":"Yep.","start":2173.25,"end":2173.665,"sentiment":"neutral","sentiment_score":-0.0011129975318908691},{"text":"Okay.","start":2176.545,"end":2177.045,"sentiment":"neutral","sentiment_score":0.03822711110115051},{"text":"Yep.","start":2187.825,"end":2188.325,"sentiment":"neutral","sentiment_score":0.05050185322761536},{"text":"Yep.","start":2192.2,"end":2192.7,"sentiment":"neutral","sentiment_score":0.05214560031890869},{"text":"Yep.","start":2195.16,"end":2195.48,"sentiment":"neutral","sentiment_score":0.19356843829154968}],"sentiment":"neutral","sentiment_score":0.06666600108146667,"num_words":5,"start":2173.25,"end":2195.48},{"sentences":[{"text":"Cool.","start":2195.48,"end":2195.98,"sentiment":"positive","sentiment_score":0.5493447184562683},{"text":"If we can make it a yeah.","start":2203.72,"end":2204.865,"sentiment":"neutral","sentiment_score":0.08480171007769448},{"text":"Make it a Wednesday if we can at yeah.","start":2204.865,"end":2207.605,"sentiment":"neutral","sentiment_score":0.0831866790023115},{"text":"Or whatever.","start":2208.065,"end":2209.125,"sentiment":"neutral","sentiment_score":0.0459357425570488},{"text":"Yeah.","start":2210.785,"end":2211.0251,"sentiment":"neutral","sentiment_score":0.05875195562839508}],"sentiment":"neutral","sentiment_score":0.10211301203817129,"num_words":20,"start":2195.48,"end":2211.0251},{"sentences":[{"text":"04:30 is is good.","start":2211.0251,"end":2212.805,"sentiment":"neutral","sentiment_score":0.15233436599373817},{"text":"Normal normally, I finish work, so that's why I was a bit surprised when I had Yeah.","start":2213.585,"end":2228.57,"sentiment":"neutral","sentiment_score":-0.018725638223045012},{"text":"That should be right.","start":2228.57,"end":2229.495,"sentiment":"neutral","sentiment_score":0.2819459028542042},{"text":"Yep.","start":2233.415,"end":2233.915,"sentiment":"neutral","sentiment_score":0.3179725110530853},{"text":"Yep.","start":2237.8152,"end":2238.3152,"sentiment":"neutral","sentiment_score":0.2239052057266235}],"sentiment":"neutral","sentiment_score":0.07261714601406345,"num_words":27,"start":2211.0251,"end":2238.3152},{"sentences":[{"text":"Yep.","start":2244.935,"end":2245.435,"sentiment":"neutral","sentiment_score":0.10391639173030852},{"text":"Oh, three d.","start":2245.55,"end":2250.99,"sentiment":"neutral","sentiment_score":0.1063133254647255},{"text":"Alright.","start":2250.99,"end":2251.31,"sentiment":"neutral","sentiment_score":0.2880571484565735},{"text":"Thank you very much.","start":2251.31,"end":2252.29,"sentiment":"positive","sentiment_score":0.7266132533550262},{"text":"Okay.","start":2254.1099,"end":2254.43,"sentiment":"neutral","sentiment_score":0.09031974524259569}],"sentiment":"positive","sentiment_score":0.3707686275243759,"num_words":10,"start":2244.935,"end":2254.43},{"sentences":[{"text":"Stay apart.","start":2254.43,"end":2255.25,"sentiment":"neutral","sentiment_score":0.04431921988725662}],"sentiment":"neutral","sentiment_score":0.04431921988725662,"num_words":2,"start":2254.43,"end":2255.25}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, Scott. It's Dana from OC Financial. How are you this afternoon?\n\nChannel 1: Good. I've I've got my appointment today. Am I?\n\nChannel 0: You do? Yeah. Is now okay, or is not if it doesn't suit, that's okay. We can\n\nChannel 1: No. No.\n\nChannel 0: reschedule\n\nChannel 1: No. No.\n\nChannel 0: it.\n\nChannel 1: No.\n\nChannel 0: It's\n\nChannel 1: We can\n\nChannel 0: all\n\nChannel 1: do it now. I can do I can fit in the I'll just finish the job, so I'll I'll fit in the van and do it. I forgot all of it.\n\nChannel 0: good? Oh, that's okay. That's honestly okay. It's not a problem at all. Do you happen to have access to your emails?\n\nIf you don't, it's not\n\nChannel 1: I do.\n\nChannel 0: a problem at all.\n\nChannel 1: Yeah.\n\nChannel 0: You do?\n\nChannel 1: I do.\n\nChannel 0: Yep.\n\nChannel 1: Just give me two seconds while I put my gear away.\n\nChannel 0: Yeah.\n\nChannel 1: And then\n\nChannel 0: Right. Not a problem at all.\n\nChannel 1: I'll just finish the job anyway. I was just talking to the customer. They they gone back inside. So\n\nChannel 0: That was good timing then.\n\nChannel 1: yeah. It is actually good timing to the the task, I say,\n\nChannel 0: No. That's\n\nChannel 1: when it comes\n\nChannel 0: all\n\nChannel 1: to\n\nChannel 0: good.\n\nChannel 1: talking to the\n\nChannel 0: Not a worry at all. Just\n\nChannel 1: yeah.\n\nChannel 0: while you are getting your sort sorted there,\n\nChannel 1: Yep.\n\nChannel 0: just to let you know, we do record our calls for quality and training purposes. You're happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And I'll just do security quickly with you as well. Just for you to confirm your full name, address, and date of birth I should have.\n\nChannel 1: Scott Daniel Sawyer. Twenty fourth and\n\nChannel 0: Yep.\n\nChannel 1: third nineteen seventy six.\n\nChannel 0: Yep.\n\nChannel 1: 99 South Street, South, Mackenzie\n\nChannel 0: Perfect.\n\nChannel 1: 52\n\nChannel 0: Thank you\n\nChannel 1: 90.\n\nChannel 0: so much for that. Beautiful. I've just sent the email through to you that your email address got soyao24@gmail.com.\n\nChannel 1: Yep.\n\nChannel 0: If you wanted to pop in there when you got a second and pull up the document, we can just go through the updated advice together if you like.\n\nChannel 1: Yep.\n\nChannel 0: I've got plenty of time booked out, so don't you sort of are working your time frame, so you just let me know when you're ready.\n\nChannel 1: Okay. Alright. Cool. Alright. Are you you are you the one doing the financial stuff for me now?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep. Yep. You're\n\nChannel 0: Yeah.\n\nChannel 1: doing it originally.\n\nChannel 0: So\n\nChannel 1: You weren't originally doing it, were you?\n\nChannel 0: no. No. So we have sort of just changed the way the business model has been sort of working because I did your annual review last year and wanted to, you know, help you to sort out your your financial situation and look at your strategies moving forward. You've come on to my book permanently now, so you\n\nChannel 1: Okay.\n\nChannel 0: and I'll make sure we catch up regularly.\n\nChannel 1: Yep.\n\nChannel 0: There has been some changes to the market conditions as well, so I've taken that opportunity to maybe alter your portfolio a little bit with you as well, and I'll show you what that looks like. Okay?\n\nChannel 1: Yep. Yep. Cool. So\n\nChannel 0: Perfect.\n\nChannel 1: I've got the email I've got the email here now.\n\nChannel 0: Excellent. Now when you open the email there, there normally is a button that says sign. Otherwise, I've also attached the statement of advice there for you\n\nChannel 1: Yep.\n\nChannel 0: as a an attachment. But if you\n\nChannel 1: Yep.\n\nChannel 0: press that button, it'll let you go through so you can open the document. I'm never gonna ask you to sign anything you haven't read, so it won't ask you it won't it won't force you to sign anything as you are going\n\nChannel 1: Okay.\n\nChannel 0: through to review that one.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: So so if I push sign off here with that, I opens it up, does it? Yep.\n\nChannel 0: Yeah. It just\n\nChannel 1: Okay.\n\nChannel 0: opens it up. It\n\nChannel 1: Okay.\n\nChannel 0: shouldn't yeah. And you should be able to scroll up and down that one. Let\n\nChannel 1: Cool.\n\nChannel 0: me know\n\nChannel 1: Second.\n\nChannel 0: if it doesn't work at all.\n\nChannel 1: Yep. That's it. That's why it's just loading.\n\nChannel 0: Yep. You're right. How's your day been otherwise?\n\nChannel 1: Good. So\n\nChannel 0: Yeah.\n\nChannel 1: since I talked to whoever rang up and booked the appointment, because\n\nChannel 0: Yeah.\n\nChannel 1: I don't think he was it.\n\nChannel 0: No. No. That would\n\nChannel 1: Hang\n\nChannel 0: have been\n\nChannel 1: on.\n\nChannel 0: one of my lovely admin team members. Yeah.\n\nChannel 1: Yep. So I'm potentially finishing up where I am and going to work for myself.\n\nChannel 0: Okay. Perfect. So there could be some changes here.\n\nChannel 1: Yep. So\n\nChannel 0: Yeah.\n\nChannel 1: I've been looking at like, we had a few people leave. Like, we had lost the tradesmen, and we had some apprentice to finish up. They decided they weren't staying. So\n\nChannel 0: Yep.\n\nChannel 1: now the time of the business I am is electrical and construction. So they decided\n\nChannel 0: Yep.\n\nChannel 1: with the electrical, they were gonna close.\n\nChannel 0: Okay.\n\nChannel 1: So and I always thought I had another job, but that fell through last minute because they're not sure about they got jobs coming up, but they're not ready\n\nChannel 0: Right.\n\nChannel 1: to start yet, so they'll be reluctant to put someone on straight away. So in the meantime, I've been thinking maybe I just should do my own thing.\n\nChannel 0: Yeah. Yeah. Absolutely. So how long are you still gonna be working with this employer for?\n\nChannel 1: So four I finished on the tenth of the fourth.\n\nChannel 0: Okay.\n\nChannel 1: So that's three weeks. And then I've got three weeks I think that three or four weeks annual leave would be due to that I'll get paid out for as well.\n\nChannel 0: Yeah.\n\nChannel 1: And then I've also got six months on service. So you want to potentially use some of that if I need to as well. So\n\nChannel 0: Okay. No worries\n\nChannel 1: so\n\nChannel 0: at\n\nChannel 1: I've\n\nChannel 0: all.\n\nChannel 1: got a\n\nChannel 0: Perfect.\n\nChannel 1: few different things up. Let's see if I really get stuck and I\n\nChannel 0: Yeah.\n\nChannel 1: need a bit of time\n\nChannel 0: Abs\n\nChannel 1: to set some stuff out.\n\nChannel 0: absolutely. Well, in saying that, I don't know how much of this some of the advice will definitely be appropriate for you, but there may\n\nChannel 1: Yep.\n\nChannel 0: have to be some changes to the advice that we are sort of looking at.\n\nChannel 1: Yep.\n\nChannel 0: Just, essentially, you're not taking on board some of the recommendations just because your income might have definitely dropped quite significantly in that time frame.\n\nChannel 1: Yep.\n\nChannel 0: But I'll go through this with you. I'll point out exactly what I have recommended.\n\nChannel 1: Yep.\n\nChannel 0: Is you so you're definitely looking to go into employment for yourself moving forward? You'll just be self employed, or are you is there still a chance you might be looking for employment elsewhere? Or\n\nChannel 1: At this point, I'm thinking myself, but then I've I've got a mate that, like, one of the rules and stuff. So he said, potentially, he can get me a couple of days a week down there as well. So\n\nChannel 0: yep. Yep. Okay.\n\nChannel 1: that's obviously I gotta back up there as well if I need a couple of bit of billing time as well.\n\nChannel 0: Yeah. Yeah. Absolutely. No. That's okay.\n\nNot a problem at all. But what I do is I'll run through this advice piece with you. I'll let you know what I have recommended, how and why and how it was meant to affect with the current circumstances.\n\nChannel 1: Yep.\n\nChannel 0: What I'll get you to do is take it back and read it. Some of the advice are still gonna be appropriate, but it might just be the scallop facts and the the contribution side that won't really be appropriate anymore. But have a think about it and let me know what you think anyway.\n\nChannel 1: Yeah.\n\nChannel 0: If there is any once you've kind of had these changes to your employment, we might check-in in a couple of weeks with you just after the changes, after you stop this job and sort of see where things are up to And\n\nChannel 1: Yep.\n\nChannel 0: just do a bit of a catch up then as well and see whether we need to reupdate the advice down the track there as well. Okay?\n\nChannel 1: Yep. Alright. I'm just\n\nChannel 0: Perfect.\n\nChannel 1: trying to I closed it accidentally, and now I'm trying to open it again.\n\nChannel 0: That's okay. You're fine. But, look, honestly, it sounds like there's some good things on the horizon for you. So with them closing down the electrical side of things, there should be plenty of work out there for you to start up your own business.\n\nChannel 1: Yes. So there's not there's always been work, and I've been obviously doing this for thirty years. So I've got a good\n\nChannel 0: Yeah.\n\nChannel 1: name around here anyway. So\n\nChannel 0: Oh,\n\nChannel 1: I've\n\nChannel 0: fantastic.\n\nChannel 1: already I've already talked to I went to do a job for work this morning, and they go because I've obviously heard we're shut we're shutting the electrical. And they go, what are you doing? I get he goes, I'll get you to do the work at work still anyway. So and\n\nChannel 0: Perfect.\n\nChannel 1: there's already one straight up. So and that's not\n\nChannel 0: Yeah.\n\nChannel 1: talking to anybody else. So there's there's I got plenty of contacts and stuff anyway. So\n\nChannel 0: Yeah. No. That's good. That'll be fantastic. I mean, good things on the horizon for you at least anyways.\n\nSo\n\nChannel 1: yep.\n\nChannel 0: yeah. And having some long service leave and sick leave to fall back on will give you a bit of a buffer as well for expenditure and living and things like that.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. All good. Has that one opened up again there for you at all?\n\nChannel 1: Yep. So I'm in the\n\nChannel 0: Yep.\n\nChannel 1: scope of advice and stuff at the moment.\n\nChannel 0: Perfect. So the advice document has been prepared for yourself as of the 03/17/2026,\n\nChannel 1: Yep.\n\nChannel 0: prepared by myself, Dana Taylor. On the very front there, you'll see my authorized representative number of 1304394. So I'm an authorized representative of Oakview Financial, and that's my registered license number. So I'm registered through Asic as a financial adviser. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The next page outlines the best interest, Judy. So just, like, making sure that you're aware we wanna do catch ups and regular reviews with you every year to make sure that you're on track towards meeting your goals. Obviously, with this advice piece, it is based on your past situation, so\n\nChannel 1: Yep.\n\nChannel 0: there are some changes to come. So I'll just run through the recommendations there with you. I'll note the parts that may not be appropriate anymore. And then what we'll do is we'll get you to work out what you are comfortable undertaking. And then in a couple of weeks, we might just go back and update some changes to the recommendations there.\n\nOkay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. With regard to the scope of advice, I was looking mostly at superannuation, making sure it was working really well for you. I know you were happy last year when we spoke. You were happy with the way your portfolio was going. However, since then, there have been some changes to the investments.\n\nSo there have been some underperforming investments in there, so I wanted to remove those and make sure your portfolio is always working harder for you.\n\nChannel 1: Yep.\n\nChannel 0: Back when we did speak last year, you were comfortable undertaking and making an additional salary sacrifice into the super. That may change given your circumstances.\n\nChannel 1: Yep.\n\nChannel 0: But I will just go through the recommendations I made, and then you get to determine, you know, what you're comfortable with. And if there's a level of contribution you're comfortable with, we can always go and have a look at how that affects you. Okay?\n\nChannel 1: Yep. Yep. Can\n\nChannel 0: All\n\nChannel 1: I\n\nChannel 0: good. Yeah.\n\nChannel 1: can I lump sum in you say you're working for yourself in some\n\nChannel 0: Yeah.\n\nChannel 1: months or weeks are better than others and blah blah blah? I can obviously do more\n\nChannel 0: Yep.\n\nChannel 1: in one week, less than the next week, and\n\nChannel 0: You\n\nChannel 1: so on.\n\nChannel 0: absolutely can. You can do whatever you like most\n\nChannel 1: Yep.\n\nChannel 0: definitely. So if you're, you know, wanting to put a regular amount in there, you can pick either, like, a regular dollar figure amount. Or if you're just\n\nChannel 1: Yep.\n\nChannel 0: sort of working more some weeks and less other weeks and there's more of a contribution you wanted to have in super, you can absolutely transfer that in. You can do it one of two ways depending on how you're paying yourself. One is a deductible contribution where you just pay the lump sum in on a regular basis, or you can even just save it aside and do it once a year\n\nChannel 1: Yep.\n\nChannel 0: at the end of financial year, you let me know once you put that money in there, and I can organize a notice of intent, which makes that contribution concessional. It's where the the super fund takes the tax out of the inside super. And because you've paid that con made that contribution from your bank account, you'll be able to use that as a bit of a tax deduction as well at the end of the year to help you along. So\n\nChannel 1: Oh, I can. Yeah.\n\nChannel 0: yeah. But what we'll do is I can\n\nChannel 1: Yep.\n\nChannel 0: when we catch up in a couple of weeks, I'll probably make it just after Easter. So we'll wait for you to finish up with this role\n\nChannel 1: Yep.\n\nChannel 0: and sort of work out what you're doing moving forward. And then you and I can have another catch up there, Scott. We can talk about what's changed,\n\nChannel 1: Yep.\n\nChannel 0: and we can even go back and update the advice to reflect changes to the contributions and show you how that, you know, might affect you moving forward in your retirement goals there. Okay?\n\nChannel 1: Yep. Yep. Cool. Because I've gotta I've gotta talk to my accountant stuff and work out a few different pieces\n\nChannel 0: Yep. Yeah.\n\nChannel 1: as well. So\n\nChannel 0: Yep.\n\nChannel 1: and things like I I need to borrow a vehicle and stuff like that. So whether I'm set up trying to do that before the end of this financial year or whether I'll wait\n\nChannel 0: Wait\n\nChannel 1: next,\n\nChannel 0: till next.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: And do it then. So I've got a lot\n\nChannel 0: Yeah.\n\nChannel 1: lot of questions for him as well.\n\nChannel 0: There's a lot of things to think about.\n\nChannel 1: Yeah. Alright. Sorry.\n\nChannel 0: Nope.\n\nChannel 1: I'll be thinking about\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: With regard to this advice document, I have limited scope in the retirement needs. So we were working\n\nChannel 1: Yep.\n\nChannel 0: towards your retirement goals. So we're not quite, at the point where we are talking about a retirement drawdown. However, because retirement is looking about sixteen years away from where you are at the moment, it is appropriate to make sure we're showing you the long term effects based on the recommendations that we are making and sort of giving you an idea of where you're tracking forward to.\n\nChannel 1: Yep.\n\nChannel 0: We have also left in a a tool limited scope the insurance side of things. So we're not making any additional recommendations on insurances. You were happy with the level of cover you had. However,\n\nChannel 1: Yep.\n\nChannel 0: they are paid out of your super funds, so it does have an effect on your retirement and your retirement income stream at the end of the day.\n\nChannel 1: Yep.\n\nChannel 0: So it's important to factor those in insurances into the recommendations for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: On the next page, areas that we're not focusing on at the moment is the cash flow and budgeting. You're looking to build a shed and also go on a bit of a holiday there. So we're not sort of providing any additional support or advice around the cash flow and budgeting side of things. If you do\n\nChannel 1: Yep.\n\nChannel 0: want that down the track, you're welcome to let me know. I can definitely help you out. We just get a budget plan that completed to be able to assess your financial circumstances personally. We're not sort of helping with regard to the debt management of the investment property at the moment. Do you still have that property as well?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Perfect. We can, down the track, help you with some, you know, strategies with paying down the debt a little bit faster if you would like those as well. And the estate planning side of things, you did have a beneficiary on file.\n\nYou were comfortable with the way that was. They're not making any changes to that now, but we wanna review these things with you as your life changes as well. Okay?\n\nChannel 1: Yep. Potentially, I'm talking to the account, and I could be like yeah.\n\nChannel 0: Sorry. The phone just cut out, Scott. Can you repeat\n\nChannel 1: So\n\nChannel 0: that for me?\n\nChannel 1: so, potentially, I might be turning everything into a trust,\n\nChannel 0: Okay.\n\nChannel 1: because apparently,\n\nChannel 0: Perfect.\n\nChannel 1: that's that's a that's a safer way of protecting assets and stuff as well.\n\nChannel 0: Yeah. Yeah. It absolutely can be. With regard to transferring the property and stuff like that, you are\n\nChannel 1: Yep.\n\nChannel 0: then transferring the ownership into the trust. So\n\nChannel 1: Yep.\n\nChannel 0: you will need to speak to a mortgage broker to make sure that the loan can be essentially redone once the property is transferred into the trust and speaking\n\nChannel 1: Yep.\n\nChannel 0: to your account to look at, obviously, the transfer, what that looks like CGT wise for you, and often the stamp duty and\n\nChannel 1: Yep.\n\nChannel 0: things like that to account for as well. So definitely have a have a look at that. If you do need any additional information around those sorts of things, you're welcome to give us a call\n\nChannel 1: Yep.\n\nChannel 0: as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. This is a limited scribe a scope advice document. So the areas that are scoped\n\nChannel 1: Okay.\n\nChannel 0: in are noted above there. Just making sure that you're aware we're scoped in certain areas for where we are making recommendations, limited scope to areas where there's no maybe recommendation made. But there's a long term effect that we need to take into account there for you, and then scoping out any areas that we're not providing advice on. Before taking on the advice, it's important because it is limited scope that you do review and have a bit of a range of the document, and you can let us know what any certain areas that you're not comfortable taking on board. On the very last page of the document where there's a sign, there's normally a text box there.\n\nAnd if there's any areas that you're not comfortable taking on or don't wish to proceed with, we just get you to write that in that section there. Worst\n\nChannel 1: Yep.\n\nChannel 0: case, you can always email me and let me know that there's a certain section that you're not wanting to take on board. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: With when it comes to the estate planning side of things, we're not lawyers, so we do refer you through to a lawyer for the drafting of wills and power of attorneys and things like that.\n\nChannel 1: Yep.\n\nChannel 0: When it comes to insurances, we look at personal insurances, so life, TPD, income protection, and trauma, and things like that. Certain business insurances also apply. Other\n\nChannel 1: Yeah.\n\nChannel 0: types of business insurance, business lie personal liability, house contents, motor insurances, things like that. They're technically general insurance products, so we don't\n\nChannel 1: Yep.\n\nChannel 0: provide advice around those. However,\n\nChannel 1: Yep.\n\nChannel 0: we can refer you to a general insurance broker should you need the services of one.\n\nChannel 1: Yep.\n\nChannel 0: And under the Better Advice Act 2021, I'm a qualified tax relevant provider, which means that I can provide financial advice in relation to sorry. I can provide financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your return for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We like to think we're more exciting than accountants. We help you to minimize the tax before the event. They tend to tell you how much tax to pay after it's already occurred.\n\nChannel 1: Yep.\n\nChannel 0: With to make this a bit easier on you, if you scroll down there, page number seven, this is essentially the information that we had on you. I know, obviously, your income could definitely be changing, and your occupation will be changing over the course of the next few months there as well. But are there any additional things that maybe need to be altered or may have changed since we last spoke?\n\nChannel 1: You're talking about the ones with the income stuff on it? The the agent,\n\nChannel 0: Yeah. That will\n\nChannel 1: all that sort\n\nChannel 0: that\n\nChannel 1: of\n\nChannel 0: will\n\nChannel 1: stuff?\n\nChannel 0: definitely change. Yeah. It's probably right for now, but it'll probably definitely change in the near future.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I think that's pretty much yep. Well,\n\nChannel 0: The same.\n\nChannel 1: I'm doing my I'm doing my divorce papers and stuff as as we speak. So I just gotta\n\nChannel 0: Oh, fantastic.\n\nChannel 1: get get them back and do that side of it. So that'll be\n\nChannel 0: Yep.\n\nChannel 1: done.\n\nChannel 0: You have a lot\n\nChannel 1: So\n\nChannel 0: going on at the moment.\n\nChannel 1: oh, yeah. Oh, that was just something I haven't been able to do and say, me\n\nChannel 0: Yeah.\n\nChannel 1: and my ex wife is on on talking terms and stuff like that anyway. So it's it's\n\nChannel 0: Yeah.\n\nChannel 1: just up to you and things sitting there. It's like, oh, well, my mother's just static because she's she's met someone else and I've met someone else. So it's not like there's no we're not there's no spot between those two. So we've we've got a good balance to brush.\n\nChannel 0: Yep. Oh, that's really good. That's what you kinda aim for.\n\nChannel 1: Yeah. So it's just\n\nChannel 0: No.\n\nChannel 1: one\n\nChannel 0: It's\n\nChannel 1: of those\n\nChannel 0: perfect.\n\nChannel 1: things that we hadn't got around to. So\n\nChannel 0: Yeah. No. Perfect. The next page does note your assets and liabilities as we had noted. Are there any major changes you would like there?\n\nI know when Jacob booked you in the other day, he did sort of check the fact fine. There was no significant changes to to note down. But is there anything there that you would want updated at all?\n\nChannel 1: Not at the moment till I work out how much money I'm spending on vehicles and stuff for this\n\nChannel 0: Yep.\n\nChannel 1: business.\n\nChannel 0: No. Understandable. All good. And the next page outlines your current superannuation and your insurance history preview at the moment. So just for your reference, you do have your life and TBD cover and your income protection benefit.\n\nChannel 1: Yep.\n\nChannel 0: The life and TBD sum insured are currently 260,125, all paid out of super. And then you've got your income protection policy there, which provides a monthly benefit free tax free income tax of 4,855. You do have a nice day waiting period and an age 65 benefit period on that one at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Which\n\nChannel 0: You are currently sorry. You're right.\n\nChannel 1: as you said that, which should probably be fine anyway because because I've got all that long service place sitting there anyway, and I'll and I'll never lose it.\n\nChannel 0: Yeah.\n\nChannel 1: So worst couple of worst, I'll I'll get paid out for it. So\n\nChannel 0: Yep. That's all good. The the premium for this one is about 4,060 currently. It is really important that we do review these moving forward as well because these policies do get more expensive as you get older as the risk of you making a claim increases. So we don't want these to eat away your super, especially if your contributions start to decrease.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: we'll just make sure we're reviewing these, looking at the level of cover you need, you have, how much you're paying for them, and reviewing things moving forward with you as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. If you scroll down for me to page number 12, this is essentially where the recommendations are starting, and I'll kinda just go through it with you.\n\nChannel 1: Yep.\n\nChannel 0: So this is a projection table that's showing that at the moment, you've got your hub twenty four super fund there with the current balance, and then you've also got your administration fees, investment fees, any other fees applicable to the fund, your current contributions you're making, and the ongoing service fee there as well, and then your insurance premiums listed and noted also. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With the, sorry, you're in a growth portfolio at the moment, and it's less than a five year rolling average. This has averaged about 14.2% on a yearly basis. We know you don't always get that every single year, but this is essentially how it has over the past five years averaged the return. It's actually not doing too bad. And, realistically, over the next five to ten years, if you got the same return moving forward, you can sort of see where it's projected to go.\n\nChannel 1: Yep.\n\nChannel 0: With the recommended there, the keeping with hub twenty four the same balance there, Your administration fees, investment fees, any other fees applicable there. The ongoing service fee does increase slightly because, obviously, we're factoring in growth in the portfolio and then your contributions. So with this one here at the moment, you have been making about $50 on a fortnightly basis salary sacrificing the super over and above your employer contributions. I am making a recommendation that we alter the or sorry. Alter the portfolio.\n\nWe do a bit of a rebalance there and also remove some of the underperforming funds. But I'm also making $100 on a fortnightly basis. So it's something we\n\nChannel 1: Yep.\n\nChannel 0: did sort of discuss late last year. You were comfortable increasing it by that $50 on a a fortnightly basis just to sort of see if that can help you help you make your super work a bit harder there. I am well aware that with all the changes here, that might not be possible. So we\n\nChannel 1: Yep.\n\nChannel 0: can just catch up in a few weeks and sort of see where you're going and update and alter the advice to reflect that for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: The insurance premiums won't change because there's no alteration to the insurances currently. But with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years. So if the markets work the way we want them to and if you can project that forward and if you got the same return over the next five to ten years, you can sort of see what might be projected there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Just going back up to the very top there, you'll see the investment fee is slightly different between the two recommended and the current fund there. With the changes, and I'll take you through those in a second, essentially, we are saving you about $707 in investment\n\nChannel 1: I\n\nChannel 0: fees by making the alteration to the investment portfolio for you as well. Okay?\n\nChannel 1: guess. Yeah. Yeah.\n\nChannel 0: Perfect. If you scroll down there for me to page number 14. Now as I kinda mentioned before, it's important to take on the long term effect of the recommendations there. So you'll see this is more of a conservative projection to sort of show what we'd expect. Realistically, when we look at the projections at the top, they are lovely and beautiful.\n\nHowever, it does depend upon the portfolio giving you that kind of rate of return every year moving forward, which we know is not realistic, and you're not gonna get that right up into the age of retirement there. So where I'd sort of expect you to land with regards to the projected outcome is either in between this and the top section there for you.\n\nChannel 1: Yep.\n\nChannel 0: With these projections here, they are just more of a conservative projection showing that, you know, by with the current salary sacrifice arrangement, if you got a lower rate of return moving forward, this is where you could be projected to end up at the age of retirement there. And because we were looking at an income a target income amount of about 80,000, whilst this does allow you to draw that kind of money down from the age of 65 onwards, it is kind of just under the target balance a little bit. And this is taking into account also being able to access age pension from age 67 there as well for you. So the benefit based on current eligibility, and this will be reviewed kinda further down the track for you as well. You and I will make sure that we're looking at it.\n\nAnd when you get closer to retirement, you're sort of a year or two out. We'll really focus on what the drawdown looks like and what you'll be eligible for.\n\nChannel 1: Yep.\n\nChannel 0: But this is sort of show you that under your current circumstances, whilst you are sort of closer to being able to access the target retirement income, the projection does still look really good. It's it's still about 11,000 less than your target on a yearly basis, but does give you access to age pension, which is kinda cool. Age pension will help you draw out less out of your super long term, so it can help provide a bit of longevity there for you as well. There for you as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: With the recommended of increasing the salary sacrifice to a $100 per fortnight, you can see the projected outcome based on the conservative projection is slightly higher. And when you sort of look at the income side of things, it actually reduces that gap slightly. So you're a little bit closer to being able to access the $80,000 on a yearly basis. It's still factoring in eligibility for age pension, but your super is also lasting a little bit longer there as well. So you can sort of see the difference between increasing that salary sacrifice a bit there as well.\n\nDoes\n\nChannel 1: Yep.\n\nChannel 0: that make sense? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. That was the recommendation for the salary sacrifice sort of things. I know it's probably not gonna be possible at the moment, so that's absolutely okay. What I will get you to do, if you're once you sort of had a reach for the document and decided, if you wanted to on the back page of that, you can just write there that due to change in circumstances, you don't wish to proceed with the salary sacrifice arrangement,\n\nChannel 1: Yep.\n\nChannel 0: And then we can just catch up in a couple of weeks' time and talk about the changes and what things look like for you, and then we can always update the advice to reflect changes to the to the income and the contributions for you. Does that sound okay?\n\nChannel 1: Yep. Yep. We might\n\nChannel 0: Yep.\n\nChannel 1: make it a we won't make it a better month if they can.\n\nChannel 0: Yeah. One\n\nChannel 1: Okay.\n\nChannel 0: month? Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: After this\n\nChannel 1: Because\n\nChannel 0: call,\n\nChannel 1: I don't\n\nChannel 0: if you\n\nChannel 1: give\n\nChannel 0: like, I'll book it back in for you. Yeah.\n\nChannel 1: yep. Yep. Cool.\n\nChannel 0: Perfect. Perfect. Now if you scroll down there for me to page number 19, this is running you through the changes to the investment portfolio. So\n\nChannel 1: Yep.\n\nChannel 0: as per the projection table above there, this is essentially showing you I had made some recommendations to alter the portfolio so that you're still staying within that growth environment, not taking on any extra risk. You're staying within your risk profile, but also making sure that we did remove some underperforming investments and make some changes to rebalancing for you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So with this one here sorry. You'll see that we are removing fully the bank hybrids. So with these ones here, they are about to be phased out, so we are taking the opportunity to remove them fully from your portfolio. And then with the agriculture, we'll just be rebalancing that a little bit, buying a bit more in so you'll keep the food. Physical gold has been doing really, really well, and it has been performing nicely in your portfolio, but we just wanna rebalance it because you're a bit overexposed there at the moment.\n\nSo we'll be selling a bit of the physical gold and just it's good to kinda cement those gains every now and then. Cementing the gains allows the money to be recompounded back, invested into the other investments, allowing it to continue to grow. You'll keep some of the cybersecurity there. We'll be buying a bit more in, so you have about 7% in there. And the S and P five hundred will be selling a bit of that to kind of rebalance you back a little bit.\n\nWe've also got the beta shares Rafi Aussie two 100 there. We're gonna be selling some of that to rebalance your portfolio back. And then also the Benelog Australian Equities, we'll see, that is the one that has been underperforming, unfortunately. So as of late last year, early this year has been underperforming, has been quite volatile, and it's been pulling everyone's portfolio back a little bit. So we have made a business decision to remove the bend along out of there.\n\nI'm not sure if you remember back, but over the last couple of years, it has been a bit up and down. So we have made that decision to remove that investment from your portfolio solely. The fact that it has had a significant loss on most people's portfolios means we can offset some of the gains by race right? By rebalancing your portfolio out, which is a benefit for you.\n\nChannel 1: Yep.\n\nChannel 0: And then we're gonna put all that into the a 200, which is the second one from the bottom there.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: I've actually noticed that the the name of that one's wrong. I'm gonna get this document just slightly updated for you because\n\nChannel 1: Okay.\n\nChannel 0: the a 200 is actually Australian 200, not a beta share global agriculture company. So don't sign this until I go back\n\nChannel 1: Okay.\n\nChannel 0: and get this altered for you. I just wanna update the name of that one because it's incorrect. But the a 200 is the Australian BetaShares OZY 200. It's giving you access to the top 200 companies in on the ASX.\n\nChannel 1: Yep.\n\nChannel 0: The a 200, essentially, is still keeping your Australian exposure into Australian equities. It's just that it has performed better over the past couple of years. It's not as up and down as Bennelong. Bennelong was sort of put in your portfolio to give you a bit of active management, but they haven't really been actively managing everything. And some of their underlying investments have not been performing nicely.\n\nSo, unfortunately, we've reviewed them as an investment for you. It's not performing, so I figured we're doing this advice anyway. Let's take\n\nChannel 1: Yep.\n\nChannel 0: the opportunity to go back and remove that out of there and update your portfolio for you as well. Okay?\n\nChannel 1: Yep. Do we have\n\nChannel 0: Beautiful.\n\nChannel 1: any tech do we have anything in Tesla or not?\n\nChannel 0: You don't as such, but it is part of the S and P 500 as well. So\n\nChannel 1: Okay.\n\nChannel 0: and I think there's some in the beta share cybersecurity. Let me just double check the underlines there. They don't\n\nChannel 1: Yep.\n\nChannel 0: tell you exactly what's in all of them,\n\nChannel 1: Yep.\n\nChannel 0: but you do have access to some of them by here.\n\nChannel 1: Because one of my my partner's stepfather is in after I have to share some stuff, and he told me to get on Tesla because he reckons it's gonna boom.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Right. That'll be interesting. It kinda went through a bit of a a boom phase and took a bit of a dip, didn't it?\n\nChannel 1: yep, so he reckons it's gonna go nuts it's gonna go nuts because, obviously, he's he's into everything.\n\nChannel 0: Yeah. Yeah. Yep. Yeah. Yeah.\n\nSo having a look at this, it is one of the top 10 holdings within the S and P five hundred.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: yep.\n\nChannel 0: you do have some of that. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: perfect. It gives you good absolute exposure. One of the benefits to having the S and P five hundred and the a 200 there is that you are always investing in those top companies. So what a lot of people sort of unaware of is while there's a lot of, unsurety in the market about The US and about equities as a whole at the moment, it has been quite volatile. I'm not sure if you've watched the news.\n\nYou probably haven't got\n\nChannel 1: Yeah.\n\nChannel 0: time\n\nChannel 1: Yeah.\n\nChannel 0: with everything you've got going on.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, with the S and P 500, it tracks the S and P 500 index. So that with the index there, the index well, the people who the investment committee around the index, they meet every quarter. Then, essentially, they are deciding which companies fit the criteria to be within the S and P 500 and same with the the Aussie 200, the ones that you know, what companies meet that criteria to remain in that sort of indexes. And\n\nChannel 1: Yep.\n\nChannel 0: if they don't meet that criteria, they are removed and placed with something else. So you\n\nChannel 1: Okay.\n\nChannel 0: can rest assured you are always invested in the top 500 companies in the S and P and with the a 200, the Australian top 200 companies there. And when those companies are long no longer performing and don't meet the criteria, they are flicked out of there and something else replaces\n\nChannel 1: Yeah.\n\nChannel 0: it, which is\n\nChannel 1: Oh,\n\nChannel 0: really\n\nChannel 1: okay.\n\nChannel 0: good. Okay?\n\nChannel 1: K.\n\nChannel 0: Yeah. You're still gonna have a bit of ClearBridge infrastructure income fund. It's giving you some infrastructure which is good for diversification, and then we'll have some core composite bonds in\n\nChannel 1: Yeah.\n\nChannel 0: there as well. So we are removing the bank hybrids and adding core composite bonds in there, which is a benefit. Essentially, the the BetaShares Bank hybrids those bank hybrids are gonna be phased out in the future. So we thought it was better, whilst we're altering your portfolio now, to remove them now. That way, we don't have to worry about down the track.\n\nWe adjust the portfolio now, and then you've got time for your portfolio to, you know, recover and keep growing and benefit from the changes. Does that make sense?\n\nChannel 1: Yep. Yeah. I realized\n\nChannel 0: Yep.\n\nChannel 1: I had to I realized things go up and down and things get sold off\n\nChannel 0: Yeah.\n\nChannel 1: and stuff like that. I'm not a first I'm not a person who thinks that everything's always gonna be everything's gonna be always good. There's always gonna be ups\n\nChannel 0: Yeah.\n\nChannel 1: and downs.\n\nChannel 0: No. That's honestly absolutely okay. It's not an issue at all. As part of the advice document, I do outline the do outline, sorry, the advantages, disadvantages, and the risks involved of the strategies that we are providing. We have had a bit of a look there as well, and there are CGT consequences, and it's important to make sure you are aware of them as well.\n\nSo when we kind of went back and had a look at everything, the capital gains effect on your super fund is about $815 there. So that's estimated as per the research. Your super fund does the does tax returns every year for you anyway,\n\nChannel 1: Yep.\n\nChannel 0: So they will just account for that as part of it. It'll all be done as part of the switch. And then when your tax when your super fund does a tax return at the end of the financial year, they'll account for that capital gain as they need to. But\n\nChannel 1: Yeah.\n\nChannel 0: to complete the switch and get better performance, and, realistically, the capital gain is about $815,\n\nChannel 1: Yes.\n\nChannel 0: but we're saving approximately $700 in investment fees by making the switch. So it kinda evens\n\nChannel 1: Yep.\n\nChannel 0: itself out at the end of the day as well. Yeah. The advantages here, I have recommended retaining hub twenty four. There are no real changes to the platform that require us to maybe look at reviewing that in any way, shape, or form. It's still providing a benefit.\n\nWith hub twenty four, they allow us to have a lot of different options. They actually hold about 1,178 different investment options between Australia, US, and globally. So we do have really good options to be able to alter the portfolios and make changes as we need to, which is fantastic. With the disadvantages there, there are capital gains effects for, obviously, making the portfolio switch. But when I kinda out you know, look at the the capital gains effect as opposed to the investment savings and the long term effect that it can have on your super, it kind of outweighs the CGT effect, and it was really better to make the alterations now for you, especially if you're not quite 50 yet.\n\nYou still got a bit of time ahead of you there.\n\nChannel 1: Yeah.\n\nChannel 0: So you've got some time to allow your portfolio to continue growing, and we wanna make check this with you every year as we have just to make sure that it can remains in line with your needs and your goals and that we are working harder towards your retirement as well. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Do you have any questions at all so far?\n\nChannel 1: What?\n\nChannel 0: No? All good. It is all very straightforward. That's essentially all I needed to kinda go through there for you. Down on page number 27, we do sorta have the affected projection showing you the outcome there if you didn't have any insurances.\n\nSo, like, we're not making any additional recommendations on the insurances, but because they are paid out of your super fund, it is important to say that. You'll see the current and recommended projection table there, but then you can also see the difference. If you had no insurance that's paid out of super, the overall ten year impact could be quite higher if you got that great rate of return every year moving forward as well. So that's just sort of showing you the difference. It's one of those things.\n\nHaving insurance is important. You either pay it in super or out of pocket. In super means it's coming out of your fund and can affect, obviously, long term retirement goals, whereas out of your back pocket makes it harder to cover when we don't have an expenditure isn't really working in our favor.\n\nChannel 1: Hello?\n\nChannel 0: But it is a bit of a juggling act as well because your insurances are quite expensive and will get more expensive over time. We wanna review those with you to make sure they stay in line with your goals, but that you're not it's not eating away too much if you sleep at the end of the day as well. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. The advice has been provided at no additional cost. You pay an ongoing service fee for our services as you are our client. You pay 1.65% as an ongoing service fee.\n\nThat is paid out of super on a monthly basis as a 1.65 is the yearly amount. We do cap those at 600,000 currently. And on page number, sorry, 30, you'll see how much the estimated fee is. It's also in this projection table above there for you as well. Essentially, as an ongoing service client, we're here to review your circumstances, look at providing the advice documents, and making sure we're working towards your retirement goals and altering the strategies as your life changes.\n\nBecause as much as, you know, sixteen years doesn't feel like a long time away, it is. There's a lot of things that could change in that time, and we could provide another 12 to 16 documents in that time frame to update your circumstances as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. With the insurances, we do also note here that we do receive remuneration ongoing from the premium stamp. This outlines the total for the year that we are expected to receive. It is 2222% ongoing. The remuneration is not the main thing for insurances.\n\nInsurances are there to meet your goals, and our recommendations should always be in your best interest. But we don't want your premiums to either way get super you know, as you get close to retirement as well. So we will review those moving forward, making sure to keep the the cost as low as possible. But we just like to outline the ongoing remuneration\n\nChannel 1: Yep. Yep.\n\nChannel 0: so you can see essentially how much we do receive from those insurance premiums, all part of being open and honest and clear with everything we've got. Okay? Beautiful. Do you have any questions? It's all pretty straightforward.\n\nChannel 1: And no. Not not at the moment.\n\nChannel 0: Beautiful. What I wanna do, there is just that one section I wanna have updated. So I will just\n\nChannel 1: Yep.\n\nChannel 0: have a slight update done on the advice document. Don't sign it yet.\n\nChannel 1: Yep.\n\nChannel 0: I will just probably cancel this this DocuSign. I'll get\n\nChannel 1: Yep.\n\nChannel 0: it updated, and then I'll resend it through to you.\n\nChannel 1: Okay.\n\nChannel 0: And then once you get it through, there'll be a text box on the very last page. You can just note down there if you're comfortable that you don't wish to proceed with the salary sacrifice due to your changes and circumstances.\n\nChannel 1: Yep.\n\nChannel 0: And then we can, have another catch up in about a month's time and\n\nChannel 1: Yep.\n\nChannel 0: just kind of reassess that if you like. Okay?\n\nChannel 1: Yep. Cool.\n\nChannel 0: Beautiful. Did you want me to book in a time in about a month now while I've got you here just so we've got that in the calendar ready to go?\n\nChannel 1: If we can make it a yeah. Make it a Wednesday if we can at\n\nChannel 0: Absolutely.\n\nChannel 1: yeah. Or\n\nChannel 0: Is this\n\nChannel 1: whatever.\n\nChannel 0: time of day better for you? Or\n\nChannel 1: Yeah. 04:30 is is good.\n\nChannel 0: yep.\n\nChannel 1: Normal\n\nChannel 0: Perfect.\n\nChannel 1: normally, I finish work, so that's why I was a bit surprised when I had\n\nChannel 0: You're right. I have availability on Wednesday, April 15. Is that okay? Is this a few days beforehand?\n\nChannel 1: Yeah. That should be right.\n\nChannel 0: Yep. Beautiful. And I'll make it there at 03:30. Perfect. So I've booked\n\nChannel 1: Yep.\n\nChannel 0: that one in for you. I'll add a little text message reminder as well for you, Scott,\n\nChannel 1: Yep.\n\nChannel 0: and we can kind of have a chat about where things are up to with you and what we need to maybe look at. Okay?\n\nChannel 1: Yep. Oh, three\n\nChannel 0: Perfect. Thank you so much. I'll get that updated, and I'll resend it through to you shortly.\n\nChannel 1: d. Alright. Thank you very much.\n\nChannel 0: Thank you. I'll talk to you soon. See you later.\n\nChannel 1: Okay. Stay apart.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.020107153803110123},{"text":"Hello?","start":3.36,"end":3.86,"sentiment":"neutral","sentiment_score":0.030521342530846596}],"sentiment":"neutral","sentiment_score":0.02531424816697836,"channel":1,"num_words":2,"start":0.39999998,"end":3.86},{"sentences":[{"text":"Hi, Scott.","start":4.72,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.1569339632987976},{"text":"It's Dana from OC Financial.","start":5.3599997,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.2036468803882599},{"text":"How are you this afternoon?","start":7.12,"end":8.34,"sentiment":"neutral","sentiment_score":0.26858881711959837}],"sentiment":"neutral","sentiment_score":0.22292053451140723,"channel":0,"num_words":12,"start":4.72,"end":8.34},{"sentences":[{"text":"Good.","start":8.559999,"end":9.059999,"sentiment":"positive","sentiment_score":0.6176152229309082},{"text":"I've I've got my appointment today.","start":9.28,"end":10.559999,"sentiment":"positive","sentiment_score":0.38618039588133496},{"text":"Am I?","start":10.559999,"end":11.219999,"sentiment":"neutral","sentiment_score":0.20582585036754608}],"sentiment":"positive","sentiment_score":0.37181658877266777,"channel":1,"num_words":9,"start":8.559999,"end":11.219999},{"sentences":[{"text":"You do?","start":11.36,"end":11.84,"sentiment":"neutral","sentiment_score":0.12971526384353638},{"text":"Yeah.","start":11.84,"end":12.16,"sentiment":"neutral","sentiment_score":0.05703703686594963},{"text":"Is now okay, or is not if it doesn't suit, that's okay.","start":12.16,"end":15.2,"sentiment":"neutral","sentiment_score":-0.06585374365871151},{"text":"We 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can","start":16.664999,"end":16.904999,"sentiment":"neutral","sentiment_score":-0.002843804657459259}],"sentiment":"neutral","sentiment_score":-0.002843804657459259,"channel":1,"num_words":2,"start":16.664999,"end":16.904999},{"sentences":[{"text":"all","start":16.885,"end":17.385,"sentiment":"neutral","sentiment_score":0.038524284958839417}],"sentiment":"neutral","sentiment_score":0.038524284958839417,"channel":0,"num_words":1,"start":16.885,"end":17.385},{"sentences":[{"text":"do it now.","start":16.904999,"end":17.625,"sentiment":"neutral","sentiment_score":0.05682939291000366},{"text":"I can do I can fit in the I'll just finish the job, so I'll I'll fit in the van and do it.","start":17.625,"end":21.185001,"sentiment":"neutral","sentiment_score":0.05937603618139806},{"text":"I forgot all of it.","start":21.185001,"end":22.365,"sentiment":"neutral","sentiment_score":-0.03970364108681679}],"sentiment":"neutral","sentiment_score":0.04314899372477685,"channel":1,"num_words":31,"start":16.904999,"end":22.365},{"sentences":[{"text":"good?","start":22.165,"end":22.485,"sentiment":"neutral","sentiment_score":0.05060957744717598},{"text":"Oh, that's okay.","start":22.485,"end":23.525,"sentiment":"neutral","sentiment_score":0.16647680352131525},{"text":"That's honestly okay.","start":23.525,"end":24.965,"sentiment":"positive","sentiment_score":0.37203754981358844},{"text":"It's not a problem at all.","start":24.965,"end":26.244999,"sentiment":"neutral","sentiment_score":0.277838870882988},{"text":"Do you happen to have access to your emails?","start":26.244999,"end":28.165,"sentiment":"neutral","sentiment_score":0.013379175215959549}],"sentiment":"neutral","sentiment_score":0.15698174725879321,"channel":0,"num_words":22,"start":22.165,"end":28.165},{"sentences":[{"text":"If you don't, it's not","start":28.165,"end":29.205,"sentiment":"neutral","sentiment_score":-0.10680126398801804}],"sentiment":"neutral","sentiment_score":-0.10680126398801804,"channel":0,"num_words":5,"start":28.165,"end":29.205},{"sentences":[{"text":"I do.","start":29.01,"end":29.67,"sentiment":"neutral","sentiment_score":-0.09184278175234795}],"sentiment":"neutral","sentiment_score":-0.09184278175234795,"channel":1,"num_words":2,"start":29.01,"end":29.67},{"sentences":[{"text":"a problem at all.","start":29.205,"end":30.165,"sentiment":"neutral","sentiment_score":-0.05158487940207124}],"sentiment":"neutral","sentiment_score":-0.05158487940207124,"channel":0,"num_words":4,"start":29.205,"end":30.165},{"sentences":[{"text":"Yeah.","start":30.130001,"end":30.45,"sentiment":"neutral","sentiment_score":0.03972362354397774}],"sentiment":"neutral","sentiment_score":0.03972362354397774,"channel":1,"num_words":1,"start":30.130001,"end":30.45},{"sentences":[{"text":"You 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then.","start":40.7,"end":42.32,"sentiment":"positive","sentiment_score":0.36690716743469237}],"sentiment":"positive","sentiment_score":0.36690716743469237,"channel":0,"num_words":5,"start":40.7,"end":42.32},{"sentences":[{"text":"yeah.","start":42.77,"end":43.27,"sentiment":"neutral","sentiment_score":0.261527955532074},{"text":"It is actually good timing to the the task, I say,","start":45.675,"end":48.895,"sentiment":"neutral","sentiment_score":0.3068664927374233}],"sentiment":"neutral","sentiment_score":0.3030882813036442,"channel":1,"num_words":12,"start":42.77,"end":48.895},{"sentences":[{"text":"No.","start":49.515,"end":49.675,"sentiment":"neutral","sentiment_score":0.1562376618385315},{"text":"That's","start":49.675,"end":50.075,"sentiment":"neutral","sentiment_score":0.1860930323600769}],"sentiment":"neutral","sentiment_score":0.1711653470993042,"channel":0,"num_words":2,"start":49.515,"end":50.075},{"sentences":[{"text":"when it 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good.","start":1037.76,"end":1038.5801,"sentiment":"neutral","sentiment_score":0.26180756092071533},{"text":"And the next page outlines your current superannuation and your insurance history preview at the moment.","start":1039.455,"end":1044.095,"sentiment":"neutral","sentiment_score":0.09886960638687015},{"text":"So just for your reference, you do have your life and TBD cover and your income protection benefit.","start":1044.095,"end":1048.6749,"sentiment":"neutral","sentiment_score":0.08515669633116987}],"sentiment":"neutral","sentiment_score":0.09553329774031513,"channel":0,"num_words":38,"start":1035.8401,"end":1048.6749},{"sentences":[{"text":"Yep.","start":1049.105,"end":1049.605,"sentiment":"neutral","sentiment_score":0.09793464839458466}],"sentiment":"neutral","sentiment_score":0.09793464839458466,"channel":1,"num_words":1,"start":1049.105,"end":1049.605},{"sentences":[{"text":"The life and TBD sum insured are currently 260,125, all paid out of super.","start":1049.535,"end":1056.15,"sentiment":"neutral","sentiment_score":0.10233579256704875},{"text":"And then you've got your income protection policy there, which provides a monthly benefit free tax free income tax of 4,855.","start":1056.53,"end":1064.325,"sentiment":"neutral","sentiment_score":0.13960944435426167},{"text":"You do have a nice day waiting period and an age 65 benefit period on that one at the moment.","start":1064.8049,"end":1069.945,"sentiment":"neutral","sentiment_score":0.21888951435685158}],"sentiment":"neutral","sentiment_score":0.1589507220820947,"channel":0,"num_words":55,"start":1049.535,"end":1069.945},{"sentences":[{"text":"Yep.","start":1070.015,"end":1070.515,"sentiment":"neutral","sentiment_score":0.05305821821093559}],"sentiment":"neutral","sentiment_score":0.05305821821093559,"channel":1,"num_words":1,"start":1070.015,"end":1070.515},{"sentences":[{"text":"Okay?","start":1070.085,"end":1070.585,"sentiment":"neutral","sentiment_score":0.02580844610929489}],"sentiment":"neutral","sentiment_score":0.02580844610929489,"channel":0,"num_words":1,"start":1070.085,"end":1070.585},{"sentences":[{"text":"Which","start":1070.655,"end":1071.155,"sentiment":"neutral","sentiment_score":0.011381488293409348}],"sentiment":"neutral","sentiment_score":0.011381488293409348,"channel":1,"num_words":1,"start":1070.655,"end":1071.155},{"sentences":[{"text":"You are currently sorry.","start":1071.205,"end":1072.6449,"sentiment":"neutral","sentiment_score":-0.0800707982853055},{"text":"You're right.","start":1072.6449,"end":1073.385,"sentiment":"neutral","sentiment_score":-0.04731461778283119}],"sentiment":"neutral","sentiment_score":-0.06915207145114739,"channel":0,"num_words":6,"start":1071.205,"end":1073.385},{"sentences":[{"text":"as you said that, which should probably be fine anyway because because I've got all that long service place sitting there anyway, and I'll and I'll never lose it.","start":1073.535,"end":1080.03,"sentiment":"neutral","sentiment_score":-0.021767465590402997}],"sentiment":"neutral","sentiment_score":-0.021767465590402997,"channel":1,"num_words":29,"start":1073.535,"end":1080.03},{"sentences":[{"text":"Yeah.","start":1080.4199,"end":1080.9199,"sentiment":"neutral","sentiment_score":-0.030036458745598793}],"sentiment":"neutral","sentiment_score":-0.030036458745598793,"channel":0,"num_words":1,"start":1080.4199,"end":1080.9199},{"sentences":[{"text":"So worst couple of worst, I'll I'll get paid out for it.","start":1080.73,"end":1083.45,"sentiment":"neutral","sentiment_score":-0.11763637202481429},{"text":"So","start":1083.45,"end":1083.95,"sentiment":"neutral","sentiment_score":0.12512360513210297}],"sentiment":"neutral","sentiment_score":-0.09896252762812835,"channel":1,"num_words":13,"start":1080.73,"end":1083.95},{"sentences":[{"text":"Yep.","start":1084.02,"end":1084.52,"sentiment":"neutral","sentiment_score":0.21754269301891327},{"text":"That's all good.","start":1085.7,"end":1086.76,"sentiment":"positive","sentiment_score":0.3689764936765035},{"text":"The the premium for this one is about 4,060 currently.","start":1087.38,"end":1091.135,"sentiment":"neutral","sentiment_score":0.056807122007012364},{"text":"It is really important that we do review these moving forward as well because these policies do get more expensive as you get older as the risk of you making a claim increases.","start":1091.515,"end":1099.935,"sentiment":"neutral","sentiment_score":-0.016530188872958675},{"text":"So we don't want these to eat away your super, especially if your contributions start to decrease.","start":1100.155,"end":1104.975,"sentiment":"neutral","sentiment_score":-0.1520563666434849}],"sentiment":"neutral","sentiment_score":-0.01934236049419269,"channel":0,"num_words":64,"start":1084.02,"end":1104.975},{"sentences":[{"text":"So","start":1105.035,"end":1105.535,"sentiment":"neutral","sentiment_score":0.11650890111923218}],"sentiment":"neutral","sentiment_score":0.11650890111923218,"channel":0,"num_words":1,"start":1105.035,"end":1105.535},{"sentences":[{"text":"Yep.","start":1105.4,"end":1105.9,"sentiment":"neutral","sentiment_score":0.14144371449947357}],"sentiment":"neutral","sentiment_score":0.14144371449947357,"channel":1,"num_words":1,"start":1105.4,"end":1105.9},{"sentences":[{"text":"we'll just make sure we're reviewing these, looking at the level of cover you need, you have, how much you're paying for them, and reviewing things moving forward with you as well.","start":1105.86,"end":1113.0599,"sentiment":"neutral","sentiment_score":0.16549758450128138},{"text":"Okay?","start":1113.0599,"end":1113.5599,"sentiment":"neutral","sentiment_score":0.09488433599472046}],"sentiment":"neutral","sentiment_score":0.16335778909199167,"channel":0,"num_words":33,"start":1105.86,"end":1113.5599},{"sentences":[{"text":"Yep.","start":1113.3201,"end":1113.645,"sentiment":"neutral","sentiment_score":0.13032284379005432},{"text":"Yep.","start":1113.885,"end":1114.385,"sentiment":"neutral","sentiment_score":0.21852955222129825}],"sentiment":"neutral","sentiment_score":0.17442619800567627,"channel":1,"num_words":2,"start":1113.3201,"end":1114.385},{"sentences":[{"text":"Perfect.","start":1114.58,"end":1115.08,"sentiment":"positive","sentiment_score":0.4359550178050995},{"text":"If you scroll down for me to page number 12, this is essentially where the recommendations are starting, and I'll kinda just go through it with you.","start":1115.62,"end":1122.345,"sentiment":"neutral","sentiment_score":0.23549223166924935}],"sentiment":"neutral","sentiment_score":0.24265161688838685,"channel":0,"num_words":28,"start":1114.58,"end":1122.345},{"sentences":[{"text":"Yep.","start":1122.365,"end":1122.865,"sentiment":"neutral","sentiment_score":0.07241553068161011}],"sentiment":"neutral","sentiment_score":0.07241553068161011,"channel":1,"num_words":1,"start":1122.365,"end":1122.865},{"sentences":[{"text":"So this is a projection table that's showing that at the moment, you've got your hub twenty four super fund there with the current balance, and then you've also got your administration fees, investment fees, any other fees applicable to the fund, your current contributions you're making, and the ongoing service fee there as well, and then your insurance premiums listed and noted also.","start":1123.845,"end":1142.9401,"sentiment":"neutral","sentiment_score":0.06449002877343446},{"text":"Okay?","start":1143.16,"end":1143.66,"sentiment":"neutral","sentiment_score":0.06567102670669556}],"sentiment":"neutral","sentiment_score":0.06450819797240771,"channel":0,"num_words":65,"start":1123.845,"end":1143.66},{"sentences":[{"text":"Yep.","start":1143.9751,"end":1144.4751,"sentiment":"neutral","sentiment_score":0.15406641364097595}],"sentiment":"neutral","sentiment_score":0.15406641364097595,"channel":1,"num_words":1,"start":1143.9751,"end":1144.4751},{"sentences":[{"text":"With the, sorry, you're in a growth portfolio at the moment, and it's less than a five year rolling average.","start":1144.8401,"end":1150.8451,"sentiment":"neutral","sentiment_score":-0.049749603401869534},{"text":"This has averaged about 14.2% on a yearly basis.","start":1150.8451,"end":1154.545,"sentiment":"neutral","sentiment_score":0.015214060329728656},{"text":"We know you don't always get that every single year, but this is essentially how it has over the past five years averaged the return.","start":1154.765,"end":1161.665,"sentiment":"neutral","sentiment_score":0.08303088705055416},{"text":"It's actually not doing too bad.","start":1162.0,"end":1163.6799,"sentiment":"neutral","sentiment_score":0.19732376312216124},{"text":"And, realistically, over the next five to ten years, if you got the same return moving forward, you can sort of see where it's projected to go.","start":1164.0,"end":1170.4199,"sentiment":"neutral","sentiment_score":0.27125902087600146}],"sentiment":"neutral","sentiment_score":0.11178899762734514,"channel":0,"num_words":87,"start":1144.8401,"end":1170.4199},{"sentences":[{"text":"Yep.","start":1170.965,"end":1171.465,"sentiment":"neutral","sentiment_score":0.19984357059001925}],"sentiment":"neutral","sentiment_score":0.19984357059001925,"channel":1,"num_words":1,"start":1170.965,"end":1171.465},{"sentences":[{"text":"With the recommended there, the keeping with hub twenty four the same balance there, Your administration fees, investment fees, any other fees applicable there.","start":1171.76,"end":1181.575,"sentiment":"neutral","sentiment_score":0.12959489847222963},{"text":"The ongoing service fee does increase slightly because, obviously, we're factoring in growth in the portfolio and then your contributions.","start":1181.575,"end":1187.915,"sentiment":"neutral","sentiment_score":0.0585781179368496},{"text":"So with this one here at the moment, you have been making about $50 on a fortnightly basis salary sacrificing the super over and above your employer contributions.","start":1188.135,"end":1196.13,"sentiment":"neutral","sentiment_score":-0.0535358049507652},{"text":"I am making a recommendation that we alter the or sorry.","start":1197.1499,"end":1200.2699,"sentiment":"neutral","sentiment_score":-0.0681019543924115},{"text":"Alter the portfolio.","start":1200.2699,"end":1201.1699,"sentiment":"neutral","sentiment_score":-0.07423667858044307}],"sentiment":"neutral","sentiment_score":0.02105820755106072,"channel":0,"num_words":86,"start":1171.76,"end":1201.1699},{"sentences":[{"text":"We do a bit of a rebalance there and also remove some of the underperforming funds.","start":1201.23,"end":1205.39,"sentiment":"neutral","sentiment_score":-0.09351882548071444},{"text":"But I'm also making $100 on a fortnightly basis.","start":1205.39,"end":1211.105,"sentiment":"neutral","sentiment_score":-0.023620768553680845},{"text":"So it's something we","start":1211.105,"end":1212.1449,"sentiment":"neutral","sentiment_score":0.059604656882584095}],"sentiment":"neutral","sentiment_score":-0.05070584472911111,"channel":0,"num_words":29,"start":1201.23,"end":1212.1449},{"sentences":[{"text":"Yep.","start":1212.03,"end":1212.405,"sentiment":"neutral","sentiment_score":0.08956088870763779}],"sentiment":"neutral","sentiment_score":0.08956088870763779,"channel":1,"num_words":1,"start":1212.03,"end":1212.405},{"sentences":[{"text":"did sort of discuss late last year.","start":1212.1449,"end":1213.6649,"sentiment":"neutral","sentiment_score":0.05162458760397775},{"text":"You were comfortable increasing it by that $50 on a a fortnightly basis just to sort of see if that can help you help you make your super work a bit harder there.","start":1213.6649,"end":1222.0701,"sentiment":"neutral","sentiment_score":0.03364398217562473},{"text":"I am well aware that with all the changes here, that might not be possible.","start":1222.2101,"end":1225.8301,"sentiment":"neutral","sentiment_score":-0.27733677824338276},{"text":"So we","start":1226.13,"end":1226.4501,"sentiment":"neutral","sentiment_score":-0.04109783470630646}],"sentiment":"neutral","sentiment_score":-0.04860743540420867,"channel":0,"num_words":57,"start":1212.1449,"end":1226.4501},{"sentences":[{"text":"Yep.","start":1226.41,"end":1226.91,"sentiment":"neutral","sentiment_score":-0.009268296882510184}],"sentiment":"neutral","sentiment_score":-0.009268296882510184,"channel":1,"num_words":1,"start":1226.41,"end":1226.91},{"sentences":[{"text":"can just catch up in a few weeks and sort of see where you're going and update and alter the advice to reflect that for you.","start":1226.4501,"end":1232.13,"sentiment":"neutral","sentiment_score":0.11658506697187057},{"text":"Okay?","start":1232.13,"end":1232.63,"sentiment":"neutral","sentiment_score":0.11048461496829988}],"sentiment":"neutral","sentiment_score":0.11635912430507166,"channel":0,"num_words":27,"start":1226.4501,"end":1232.63},{"sentences":[{"text":"Yep.","start":1232.41,"end":1232.91,"sentiment":"neutral","sentiment_score":0.13456234335899353},{"text":"Yep.","start":1233.05,"end":1233.55,"sentiment":"neutral","sentiment_score":0.1632692664861679}],"sentiment":"neutral","sentiment_score":0.14891580492258072,"channel":1,"num_words":2,"start":1232.41,"end":1233.55},{"sentences":[{"text":"The insurance premiums won't change because there's no alteration to the insurances currently.","start":1234.005,"end":1237.9451,"sentiment":"neutral","sentiment_score":0.038323353187969096},{"text":"But with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years.","start":1238.005,"end":1247.845,"sentiment":"neutral","sentiment_score":0.17993473344379002},{"text":"So if the markets work the way we want them to and if you can project that forward and if you got the same return over the next five to ten years, you can sort of see what might be projected there for you.","start":1247.845,"end":1257.66,"sentiment":"positive","sentiment_score":0.34893843971870164},{"text":"Okay?","start":1257.66,"end":1258.16,"sentiment":"neutral","sentiment_score":0.17348140478134155}],"sentiment":"neutral","sentiment_score":0.2393896462534495,"channel":0,"num_words":94,"start":1234.005,"end":1258.16},{"sentences":[{"text":"Yep.","start":1258.2001,"end":1258.7001,"sentiment":"positive","sentiment_score":0.3410830497741699}],"sentiment":"positive","sentiment_score":0.3410830497741699,"channel":1,"num_words":1,"start":1258.2001,"end":1258.7001},{"sentences":[{"text":"Perfect.","start":1259.1001,"end":1259.6001,"sentiment":"positive","sentiment_score":0.5468969941139221},{"text":"Just going back up to the very top there, you'll see the investment fee is slightly different between the two recommended and the current fund there.","start":1260.7949,"end":1267.7749,"sentiment":"neutral","sentiment_score":0.12066205791555919},{"text":"With the changes, and I'll take you through those in a second, essentially, we are saving you about $707 in investment","start":1268.075,"end":1274.4149,"sentiment":"neutral","sentiment_score":0.3292889531169619}],"sentiment":"neutral","sentiment_score":0.22081621907030544,"channel":0,"num_words":48,"start":1259.1001,"end":1274.4149},{"sentences":[{"text":"I","start":1274.31,"end":1274.81,"sentiment":"neutral","sentiment_score":0.2806012034416199}],"sentiment":"neutral","sentiment_score":0.2806012034416199,"channel":1,"num_words":1,"start":1274.31,"end":1274.81},{"sentences":[{"text":"fees by making the alteration to the investment portfolio for you as well.","start":1274.475,"end":1278.72,"sentiment":"positive","sentiment_score":0.3415254377401792},{"text":"Okay?","start":1278.72,"end":1279.22,"sentiment":"neutral","sentiment_score":0.12274210155010223}],"sentiment":"neutral","sentiment_score":0.32589805658374515,"channel":0,"num_words":14,"start":1274.475,"end":1279.22},{"sentences":[{"text":"guess.","start":1279.03,"end":1279.3501,"sentiment":"neutral","sentiment_score":0.1196414977312088},{"text":"Yeah.","start":1279.3501,"end":1279.75,"sentiment":"neutral","sentiment_score":0.18935257196426392},{"text":"Yeah.","start":1279.75,"end":1280.25,"sentiment":"neutral","sentiment_score":0.26494690775871277}],"sentiment":"neutral","sentiment_score":0.19131365915139517,"channel":1,"num_words":3,"start":1279.03,"end":1280.25},{"sentences":[{"text":"Perfect.","start":1280.0,"end":1280.5,"sentiment":"positive","sentiment_score":0.4275450110435486},{"text":"If you scroll down there for me to page number 14.","start":1281.2,"end":1284.0,"sentiment":"neutral","sentiment_score":0.12139810384674506},{"text":"Now as I kinda mentioned before, it's important to take on the long term effect of the recommendations there.","start":1284.0,"end":1289.485,"sentiment":"neutral","sentiment_score":0.056534475793963986},{"text":"So you'll see this is more of a conservative projection to sort of show what we'd expect.","start":1289.485,"end":1294.385,"sentiment":"neutral","sentiment_score":0.06843146594131694},{"text":"Realistically, when we look at the projections at the top, they are lovely and beautiful.","start":1295.245,"end":1299.3451,"sentiment":"neutral","sentiment_score":0.3069874167442322}],"sentiment":"neutral","sentiment_score":0.13659087881918938,"channel":0,"num_words":63,"start":1280.0,"end":1299.3451},{"sentences":[{"text":"However, it does depend upon the portfolio giving you that kind of rate of return every year moving forward, which we know is not realistic, and you're not gonna get that right up into the age of retirement there.","start":1299.9651,"end":1309.64,"sentiment":"neutral","sentiment_score":-0.22300109104850355},{"text":"So where I'd sort of expect you to land with regards to the projected outcome is either in between this and the top section there for you.","start":1310.1,"end":1318.155,"sentiment":"neutral","sentiment_score":-0.037147263892822795}],"sentiment":"neutral","sentiment_score":-0.14696997993936142,"channel":0,"num_words":66,"start":1299.9651,"end":1318.155},{"sentences":[{"text":"Yep.","start":1318.355,"end":1318.855,"sentiment":"neutral","sentiment_score":0.12211902439594267}],"sentiment":"neutral","sentiment_score":0.12211902439594267,"channel":1,"num_words":1,"start":1318.355,"end":1318.855},{"sentences":[{"text":"With these projections here, they are just more of a conservative projection showing that, you know, by with the current salary sacrifice arrangement, if you got a lower rate of return moving forward, this is where you could be projected to end up at the age of retirement there.","start":1319.355,"end":1333.29,"sentiment":"neutral","sentiment_score":0.09759603243093101},{"text":"And because we were looking at an income a target income amount of about 80,000, whilst this does allow you to draw that kind of money down from the age of 65 onwards, it is kind of just under the target balance a little bit.","start":1333.43,"end":1345.695,"sentiment":"neutral","sentiment_score":0.10572763466172748},{"text":"And this is taking into account also being able to access age pension from age 67 there as well for you.","start":1345.695,"end":1351.2949,"sentiment":"neutral","sentiment_score":0.18838045542084036},{"text":"So the benefit based on current eligibility, and this will be reviewed kinda further down the track for you as well.","start":1351.2949,"end":1358.095,"sentiment":"neutral","sentiment_score":0.136023587059407},{"text":"You and I will make sure that we're looking at it.","start":1358.095,"end":1360.02,"sentiment":"neutral","sentiment_score":0.16635510596362027}],"sentiment":"neutral","sentiment_score":0.1236893891603971,"channel":0,"num_words":147,"start":1319.355,"end":1360.02},{"sentences":[{"text":"And when you get closer to retirement, you're sort of a year or two out.","start":1360.02,"end":1363.22,"sentiment":"neutral","sentiment_score":0.09347979625066122},{"text":"We'll really focus on what the drawdown looks like and what you'll be eligible for.","start":1363.22,"end":1366.92,"sentiment":"neutral","sentiment_score":0.1302977355817954}],"sentiment":"neutral","sentiment_score":0.11188876591622829,"channel":0,"num_words":30,"start":1360.02,"end":1366.92},{"sentences":[{"text":"Yep.","start":1367.135,"end":1367.635,"sentiment":"neutral","sentiment_score":0.2765328884124756}],"sentiment":"neutral","sentiment_score":0.2765328884124756,"channel":1,"num_words":1,"start":1367.135,"end":1367.635},{"sentences":[{"text":"But this is sort of show you that under your current circumstances, whilst you are sort of closer to being able to access the target retirement income, the projection does still look really good.","start":1367.22,"end":1376.935,"sentiment":"positive","sentiment_score":0.4460296779870987},{"text":"It's it's still about 11,000 less than your target on a yearly basis, but does give you access to age pension, which is kinda cool.","start":1377.4751,"end":1384.615,"sentiment":"positive","sentiment_score":0.45166152715682983},{"text":"Age pension will help you draw out less out of your super long term, so it can help provide a bit of longevity there for you as well.","start":1385.0751,"end":1389.185,"sentiment":"positive","sentiment_score":0.6225327444928033},{"text":"There for you as 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the salary sacrifice to a $100 per fortnight, you can see the projected outcome based on the conservative projection is slightly higher.","start":1393.29,"end":1401.79,"sentiment":"neutral","sentiment_score":0.2766349751640249},{"text":"And when you sort of look at the income side of things, it actually reduces that gap slightly.","start":1402.49,"end":1407.345,"sentiment":"neutral","sentiment_score":0.21031713030404514},{"text":"So you're a little bit closer to being able to access the $80,000 on a yearly basis.","start":1407.345,"end":1411.985,"sentiment":"neutral","sentiment_score":0.29129836226210876},{"text":"It's still factoring in eligibility for age pension, but your super is also lasting a little bit longer there as well.","start":1411.985,"end":1417.825,"sentiment":"neutral","sentiment_score":0.18014226108789444},{"text":"So you can sort of see the difference between increasing that salary sacrifice a bit there as 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okay.","start":1429.4,"end":1433.1799,"sentiment":"neutral","sentiment_score":-0.05340723966558774},{"text":"What I will get you to do, if you're once you sort of had a reach for the document and decided, if you wanted to on the back page of that, you can just write there that due to change in circumstances, you don't wish to proceed with the salary sacrifice arrangement,","start":1434.2,"end":1447.915,"sentiment":"neutral","sentiment_score":0.02507124740916949}],"sentiment":"neutral","sentiment_score":0.027888488684651217,"channel":0,"num_words":79,"start":1424.92,"end":1447.915},{"sentences":[{"text":"Yep.","start":1448.4751,"end":1448.9751,"sentiment":"neutral","sentiment_score":0.1289670169353485}],"sentiment":"neutral","sentiment_score":0.1289670169353485,"channel":1,"num_words":1,"start":1448.4751,"end":1448.9751},{"sentences":[{"text":"And then we can just catch up in a couple of weeks' time and talk about the changes and what things look like for you, and then we can always update the advice to reflect changes to the to the income and the contributions for you.","start":1448.58,"end":1459.94,"sentiment":"neutral","sentiment_score":0.15810439573681873},{"text":"Does that sound okay?","start":1459.94,"end":1461.08,"sentiment":"neutral","sentiment_score":0.10273445211350918}],"sentiment":"neutral","sentiment_score":0.15367480024695396,"channel":0,"num_words":50,"start":1448.58,"end":1461.08},{"sentences":[{"text":"Yep.","start":1461.38,"end":1461.7001,"sentiment":"neutral","sentiment_score":0.05159252882003784},{"text":"Yep.","start":1461.7001,"end":1462.1001,"sentiment":"neutral","sentiment_score":0.03847755119204521},{"text":"We 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this","start":1468.395,"end":1468.9551,"sentiment":"neutral","sentiment_score":0.053918929770588875}],"sentiment":"neutral","sentiment_score":0.053918929770588875,"channel":0,"num_words":2,"start":1468.395,"end":1468.9551},{"sentences":[{"text":"Because","start":1468.7649,"end":1469.005,"sentiment":"neutral","sentiment_score":0.029762841761112213}],"sentiment":"neutral","sentiment_score":0.029762841761112213,"channel":1,"num_words":1,"start":1468.7649,"end":1469.005},{"sentences":[{"text":"call,","start":1468.9551,"end":1469.1151,"sentiment":"neutral","sentiment_score":0.04611600935459137}],"sentiment":"neutral","sentiment_score":0.04611600935459137,"channel":0,"num_words":1,"start":1468.9551,"end":1469.1151},{"sentences":[{"text":"I don't","start":1469.005,"end":1469.325,"sentiment":"neutral","sentiment_score":-0.022257964126765728}],"sentiment":"neutral","sentiment_score":-0.022257964126765728,"channel":1,"num_words":2,"start":1469.005,"end":1469.325},{"sentences":[{"text":"if 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you.","start":1469.3551,"end":1471.435,"sentiment":"neutral","sentiment_score":0.028416472487151623},{"text":"Yeah.","start":1471.435,"end":1471.935,"sentiment":"neutral","sentiment_score":0.08709247410297394}],"sentiment":"neutral","sentiment_score":0.03493602822224299,"channel":0,"num_words":9,"start":1469.3551,"end":1471.935},{"sentences":[{"text":"yep.","start":1471.725,"end":1472.225,"sentiment":"neutral","sentiment_score":0.1464231163263321},{"text":"Yep.","start":1472.2849,"end":1472.605,"sentiment":"neutral","sentiment_score":0.26514753699302673},{"text":"Cool.","start":1472.605,"end":1473.105,"sentiment":"positive","sentiment_score":0.5534387230873108}],"sentiment":"neutral","sentiment_score":0.3216697921355565,"channel":1,"num_words":3,"start":1471.725,"end":1473.105},{"sentences":[{"text":"Perfect.","start":1473.7699,"end":1474.2699,"sentiment":"positive","sentiment_score":0.6313283443450928},{"text":"Perfect.","start":1474.4099,"end":1474.9099,"sentiment":"positive","sentiment_score":0.546875536441803},{"text":"Now if you scroll down there for me to page number 19, this is running you through the changes to the investment portfolio.","start":1475.5299,"end":1481.1499,"sentiment":"neutral","sentiment_score":0.1309200654859128},{"text":"So","start":1481.2899,"end":1481.7899,"sentiment":"neutral","sentiment_score":0.09968218952417374}],"sentiment":"neutral","sentiment_score":0.16496336832642555,"channel":0,"num_words":26,"start":1473.7699,"end":1481.7899},{"sentences":[{"text":"Yep.","start":1481.5,"end":1482.0,"sentiment":"neutral","sentiment_score":0.10962218046188354}],"sentiment":"neutral","sentiment_score":0.10962218046188354,"channel":1,"num_words":1,"start":1481.5,"end":1482.0},{"sentences":[{"text":"as per the projection table above there, this is essentially showing you I had made some recommendations to alter the portfolio so that you're still staying within that growth environment, not taking on any extra risk.","start":1481.9299,"end":1493.125,"sentiment":"neutral","sentiment_score":0.12448600555459659},{"text":"You're staying within your risk profile, but also making sure that we did remove some underperforming investments and make some changes to rebalancing for you as well.","start":1493.125,"end":1501.445,"sentiment":"neutral","sentiment_score":0.07490370284627985},{"text":"Okay?","start":1501.445,"end":1501.945,"sentiment":"neutral","sentiment_score":0.02532990649342537}],"sentiment":"neutral","sentiment_score":0.10201915755169466,"channel":0,"num_words":64,"start":1481.9299,"end":1501.945},{"sentences":[{"text":"Yep.","start":1501.835,"end":1502.13,"sentiment":"neutral","sentiment_score":0.01994279213249683}],"sentiment":"neutral","sentiment_score":0.01994279213249683,"channel":1,"num_words":1,"start":1501.835,"end":1502.13},{"sentences":[{"text":"So with this one here 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moment.","start":1523.475,"end":1531.5751,"sentiment":"neutral","sentiment_score":0.07796470331959426}],"sentiment":"neutral","sentiment_score":0.007713358752274265,"channel":0,"num_words":96,"start":1503.26,"end":1531.5751},{"sentences":[{"text":"So we'll be selling a bit of the physical gold and just it's good to kinda cement those gains every now and then.","start":1531.7899,"end":1537.63,"sentiment":"neutral","sentiment_score":0.16151693301356357},{"text":"Cementing the gains allows the money to be recompounded back, invested into the other investments, allowing it to continue to grow.","start":1537.63,"end":1545.25,"sentiment":"positive","sentiment_score":0.3425851208823068},{"text":"You'll keep some of the cybersecurity there.","start":1546.365,"end":1548.285,"sentiment":"neutral","sentiment_score":0.19979062037808554},{"text":"We'll be buying a bit more in, so you have about 7% in 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unfortunately.","start":1562.7999,"end":1568.1,"sentiment":"neutral","sentiment_score":-0.18655261397361755},{"text":"So as of late last year, early this year has been underperforming, has been quite volatile, and it's been pulling everyone's portfolio back a little bit.","start":1568.48,"end":1575.645,"sentiment":"negative","sentiment_score":-0.5404654626662915},{"text":"So we have made a business decision to remove the bend along out of there.","start":1575.645,"end":1579.265,"sentiment":"neutral","sentiment_score":-0.31257365345954896}],"sentiment":"neutral","sentiment_score":-0.23781706173563513,"channel":0,"num_words":82,"start":1556.205,"end":1579.265},{"sentences":[{"text":"I'm not sure if you remember back, but over the last couple of years, it has been a bit up and down.","start":1579.325,"end":1583.505,"sentiment":"neutral","sentiment_score":-0.26906092871319165},{"text":"So we have made that decision to remove that investment from your portfolio solely.","start":1584.51,"end":1588.8501,"sentiment":"neutral","sentiment_score":-0.2778580667717116},{"text":"The fact that it has had a significant loss on most people's portfolios means we can offset some of the gains by race right?","start":1589.2301,"end":1596.015,"sentiment":"neutral","sentiment_score":-0.19970585561046997},{"text":"By rebalancing your portfolio out, which is a benefit for you.","start":1596.095,"end":1599.875,"sentiment":"neutral","sentiment_score":0.32128714702346106}],"sentiment":"neutral","sentiment_score":-0.15588922935052657,"channel":0,"num_words":71,"start":1579.325,"end":1599.875},{"sentences":[{"text":"Yep.","start":1600.045,"end":1600.38,"sentiment":"neutral","sentiment_score":0.10622437298297882}],"sentiment":"neutral","sentiment_score":0.10622437298297882,"channel":1,"num_words":1,"start":1600.045,"end":1600.38},{"sentences":[{"text":"And then we're gonna put all that into the a 200, which is the second one from the bottom 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back","start":1618.88,"end":1621.76,"sentiment":"neutral","sentiment_score":-0.04092670069076121}],"sentiment":"neutral","sentiment_score":-0.030251023020933975,"channel":0,"num_words":22,"start":1613.76,"end":1621.76},{"sentences":[{"text":"Okay.","start":1621.655,"end":1622.155,"sentiment":"neutral","sentiment_score":-0.005575358867645264}],"sentiment":"neutral","sentiment_score":-0.005575358867645264,"channel":1,"num_words":1,"start":1621.655,"end":1622.155},{"sentences":[{"text":"and get this altered for you.","start":1621.76,"end":1622.9601,"sentiment":"neutral","sentiment_score":-0.0017158125216762226},{"text":"I just wanna update the name of that one because it's incorrect.","start":1622.9601,"end":1625.445,"sentiment":"neutral","sentiment_score":-0.01581012923270464},{"text":"But the a 200 is the Australian BetaShares OZY 200.","start":1625.445,"end":1629.6849,"sentiment":"neutral","sentiment_score":0.06515758372843265},{"text":"It's giving you access to the top 200 companies in on the ASX.","start":1629.6849,"end":1633.705,"sentiment":"neutral","sentiment_score":0.09496973311671844}],"sentiment":"neutral","sentiment_score":0.041125998582418374,"channel":0,"num_words":41,"start":1621.76,"end":1633.705},{"sentences":[{"text":"Yep.","start":1634.23,"end":1634.73,"sentiment":"neutral","sentiment_score":0.07635842263698578}],"sentiment":"neutral","sentiment_score":0.07635842263698578,"channel":1,"num_words":1,"start":1634.23,"end":1634.73},{"sentences":[{"text":"The a 200, essentially, is still keeping your Australian exposure into Australian equities.","start":1634.485,"end":1640.0249,"sentiment":"neutral","sentiment_score":0.08152925309080344},{"text":"It's just that it has performed better over the past couple of years.","start":1640.59,"end":1643.87,"sentiment":"neutral","sentiment_score":0.08019106204693134},{"text":"It's not as up and down as Bennelong.","start":1643.87,"end":1645.6499,"sentiment":"neutral","sentiment_score":-0.1588288052007556},{"text":"Bennelong was sort of put in your portfolio to give you a bit of active management, but they haven't really been actively managing everything.","start":1645.7899,"end":1651.73,"sentiment":"neutral","sentiment_score":-0.10374563684066136},{"text":"And some of their underlying investments have not been performing nicely.","start":1652.11,"end":1655.6499,"sentiment":"neutral","sentiment_score":-0.2507446354085749}],"sentiment":"neutral","sentiment_score":-0.06400511041283607,"channel":0,"num_words":69,"start":1634.485,"end":1655.6499},{"sentences":[{"text":"So, unfortunately, we've reviewed them as an investment for you.","start":1656.345,"end":1659.625,"sentiment":"neutral","sentiment_score":-0.31708536595106124},{"text":"It's not performing, so I figured we're doing this advice 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well.","start":1662.905,"end":1668.665,"sentiment":"neutral","sentiment_score":0.04252937906666806},{"text":"Okay?","start":1668.665,"end":1669.165,"sentiment":"neutral","sentiment_score":0.05691725015640259}],"sentiment":"neutral","sentiment_score":0.043248772621154785,"channel":0,"num_words":20,"start":1662.905,"end":1669.165},{"sentences":[{"text":"Yep.","start":1668.715,"end":1669.215,"sentiment":"neutral","sentiment_score":0.09130220860242844},{"text":"Do we have","start":1669.755,"end":1670.235,"sentiment":"neutral","sentiment_score":0.13147530953089395}],"sentiment":"neutral","sentiment_score":0.12143203429877758,"channel":1,"num_words":4,"start":1668.715,"end":1670.235},{"sentences":[{"text":"Beautiful.","start":1670.22,"end":1670.72,"sentiment":"neutral","sentiment_score":0.05118441581726074}],"sentiment":"neutral","sentiment_score":0.05118441581726074,"channel":0,"num_words":1,"start":1670.22,"end":1670.72},{"sentences":[{"text":"any tech do we have anything in Tesla or not?","start":1670.235,"end":1672.895,"sentiment":"neutral","sentiment_score":0.0037681666668504476}],"sentiment":"neutral","sentiment_score":0.0037681666668504476,"channel":1,"num_words":10,"start":1670.235,"end":1672.895},{"sentences":[{"text":"You don't as such, but it is part of the S and P 500 as well.","start":1673.74,"end":1677.58,"sentiment":"neutral","sentiment_score":0.007735073682852089},{"text":"So","start":1677.58,"end":1678.08,"sentiment":"neutral","sentiment_score":0.013088827952742577}],"sentiment":"neutral","sentiment_score":0.008050000404610354,"channel":0,"num_words":17,"start":1673.74,"end":1678.08},{"sentences":[{"text":"Okay.","start":1677.755,"end":1678.08,"sentiment":"neutral","sentiment_score":0.017282642424106598}],"sentiment":"neutral","sentiment_score":0.017282642424106598,"channel":1,"num_words":1,"start":1677.755,"end":1678.08},{"sentences":[{"text":"and I think there's some in the beta share 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per the research.","start":1873.67,"end":1876.57,"sentiment":"neutral","sentiment_score":0.08881941916687149},{"text":"Your super fund does the does tax returns every year for you anyway,","start":1876.95,"end":1881.37,"sentiment":"neutral","sentiment_score":0.16683174096621}],"sentiment":"neutral","sentiment_score":0.10682844660348362,"channel":0,"num_words":45,"start":1866.4249,"end":1881.37},{"sentences":[{"text":"Yep.","start":1881.855,"end":1882.355,"sentiment":"neutral","sentiment_score":0.17171591520309448}],"sentiment":"neutral","sentiment_score":0.17171591520309448,"channel":1,"num_words":1,"start":1881.855,"end":1882.355},{"sentences":[{"text":"So they will just account for that as part of it.","start":1882.1849,"end":1884.1849,"sentiment":"neutral","sentiment_score":0.20965941521254453},{"text":"It'll all be done as part of the switch.","start":1884.1849,"end":1885.945,"sentiment":"neutral","sentiment_score":0.2532329178518719},{"text":"And then when your tax when your super 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$815,","start":1893.065,"end":1898.7,"sentiment":"neutral","sentiment_score":0.3043235596269369}],"sentiment":"neutral","sentiment_score":0.3043235596269369,"channel":0,"num_words":16,"start":1893.065,"end":1898.7},{"sentences":[{"text":"Yes.","start":1898.685,"end":1899.185,"sentiment":"positive","sentiment_score":0.35342082381248474}],"sentiment":"positive","sentiment_score":0.35342082381248474,"channel":1,"num_words":1,"start":1898.685,"end":1899.185},{"sentences":[{"text":"but we're saving approximately $700 in investment fees by making the switch.","start":1898.7,"end":1903.26,"sentiment":"positive","sentiment_score":0.5311225155989329},{"text":"So it kinda 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in any way, shape, or form.","start":1912.635,"end":1917.995,"sentiment":"neutral","sentiment_score":0.26400665290977643},{"text":"It's still providing a benefit.","start":1917.995,"end":1919.775,"sentiment":"positive","sentiment_score":0.626889705657959}],"sentiment":"positive","sentiment_score":0.3582075545374228,"channel":0,"num_words":49,"start":1904.86,"end":1919.775},{"sentences":[{"text":"With hub twenty four, they allow us to have a lot of different options.","start":1921.115,"end":1924.63,"sentiment":"positive","sentiment_score":0.43209964675562723},{"text":"They actually hold about 1,178 different investment options between Australia, US, and globally.","start":1924.63,"end":1930.01,"sentiment":"neutral","sentiment_score":0.31964540710816014},{"text":"So we do have really good options to be able to alter the portfolios and make changes as we need to, which is fantastic.","start":1930.79,"end":1936.73,"sentiment":"positive","sentiment_score":0.5561676348249117},{"text":"With the disadvantages there, there are capital gains effects for, obviously, making the portfolio switch.","start":1938.115,"end":1943.795,"sentiment":"neutral","sentiment_score":-0.31700494488080344},{"text":"But when I kinda out you know, look at the the capital gains effect as opposed to the investment savings and the long term effect that it can have on your super, it kind of outweighs the CGT effect, and it was really better to make the alterations now for you, especially if you're not quite 50 yet.","start":1943.795,"end":1960.2899,"sentiment":"neutral","sentiment_score":-0.16582487536401586}],"sentiment":"neutral","sentiment_score":0.07403138418111109,"channel":0,"num_words":124,"start":1921.115,"end":1960.2899},{"sentences":[{"text":"You still got a bit of time ahead of you 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you.","start":1986.98,"end":1990.04,"sentiment":"neutral","sentiment_score":0.274128591020902},{"text":"Down on page number 27, we do sorta have the affected projection showing you the outcome there if you didn't have any insurances.","start":1990.42,"end":1997.6649,"sentiment":"neutral","sentiment_score":0.08067885025039963}],"sentiment":"neutral","sentiment_score":0.18003822286981483,"channel":0,"num_words":43,"start":1982.9,"end":1997.6649},{"sentences":[{"text":"So, like, we're not making any additional recommendations on the insurances, but because they are paid out of your super fund, it is important to say that.","start":1997.8049,"end":2005.725,"sentiment":"neutral","sentiment_score":-0.02773549840613096},{"text":"You'll see the current and recommended projection table there, but then you can also see the difference.","start":2005.725,"end":2010.25,"sentiment":"neutral","sentiment_score":0.06675260097664945},{"text":"If you had no insurance that's paid out of super, the overall ten year impact could be quite higher if you got that great rate of return every year moving forward as well.","start":2010.25,"end":2018.8099,"sentiment":"neutral","sentiment_score":0.13006609683912812},{"text":"So that's just sort of showing you the difference.","start":2018.8099,"end":2021.2899,"sentiment":"neutral","sentiment_score":0.11837711516353819},{"text":"It's one of those things.","start":2021.2899,"end":2022.495,"sentiment":"neutral","sentiment_score":0.009940613806247712}],"sentiment":"neutral","sentiment_score":0.06366169297617379,"channel":0,"num_words":91,"start":1997.8049,"end":2022.495},{"sentences":[{"text":"Having insurance is important.","start":2022.575,"end":2024.015,"sentiment":"neutral","sentiment_score":-0.108976811170578},{"text":"You either pay it in super or out of pocket.","start":2024.015,"end":2026.255,"sentiment":"neutral","sentiment_score":-0.10671540945768357},{"text":"In super means it's coming out of your fund and can affect, obviously, long term retirement goals, whereas out of your back pocket makes it harder to cover when we don't have an expenditure isn't really working in our favor.","start":2026.255,"end":2037.36,"sentiment":"neutral","sentiment_score":-0.24022504705935716}],"sentiment":"neutral","sentiment_score":-0.2057789485487673,"channel":0,"num_words":54,"start":2022.575,"end":2037.36},{"sentences":[{"text":"Hello?","start":2037.8099,"end":2038.3099,"sentiment":"neutral","sentiment_score":-0.09946216642856598}],"sentiment":"neutral","sentiment_score":-0.09946216642856598,"channel":1,"num_words":1,"start":2037.8099,"end":2038.3099},{"sentences":[{"text":"But it is a bit of a juggling act as well because your insurances are quite expensive and will get more expensive over time.","start":2038.06,"end":2044.2201,"sentiment":"negative","sentiment_score":-0.34093734187384445},{"text":"We wanna review those with you to make sure they stay in line with your goals, but that you're not it's not eating away too much if you sleep at the end of the day as well.","start":2044.2201,"end":2051.925,"sentiment":"neutral","sentiment_score":-0.1342961038840381},{"text":"Okay.","start":2051.985,"end":2052.485,"sentiment":"neutral","sentiment_score":0.061808228492736816}],"sentiment":"neutral","sentiment_score":-0.21112328742240224,"channel":0,"num_words":62,"start":2038.06,"end":2052.485},{"sentences":[{"text":"Yep.","start":2052.225,"end":2052.725,"sentiment":"neutral","sentiment_score":0.0719597190618515},{"text":"Yep.","start":2052.865,"end":2053.365,"sentiment":"neutral","sentiment_score":0.11117193102836607}],"sentiment":"neutral","sentiment_score":0.0915658250451088,"channel":1,"num_words":2,"start":2052.225,"end":2053.365},{"sentences":[{"text":"Yep.","start":2053.185,"end":2053.685,"sentiment":"neutral","sentiment_score":0.22396425902843475},{"text":"Perfect.","start":2053.825,"end":2054.325,"sentiment":"positive","sentiment_score":0.5626201629638672},{"text":"The advice has been provided at no additional cost.","start":2054.7852,"end":2057.605,"sentiment":"neutral","sentiment_score":0.31810176538096535},{"text":"You pay an ongoing service fee for our services as you are our client.","start":2057.665,"end":2061.86,"sentiment":"neutral","sentiment_score":0.21139243351561682},{"text":"You pay 1.65% as an ongoing service fee.","start":2062.1,"end":2065.54,"sentiment":"neutral","sentiment_score":0.1565098538994789}],"sentiment":"neutral","sentiment_score":0.23821433972228656,"channel":0,"num_words":33,"start":2053.185,"end":2065.54},{"sentences":[{"text":"That is paid out of super on a monthly basis as a 1.65 is the yearly amount.","start":2065.78,"end":2070.84,"sentiment":"neutral","sentiment_score":0.14965901392347672},{"text":"We do cap those at 600,000 currently.","start":2071.22,"end":2073.8,"sentiment":"neutral","sentiment_score":0.13125549256801605},{"text":"And on page number, sorry, 30, you'll see how much the estimated fee 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provide another 12 to 16 documents in that time frame to update your circumstances as well.","start":2098.46,"end":2106.225,"sentiment":"neutral","sentiment_score":0.08286930912484726},{"text":"Okay?","start":2106.225,"end":2106.725,"sentiment":"neutral","sentiment_score":0.10958109050989152}],"sentiment":"neutral","sentiment_score":0.05991879249146829,"channel":0,"num_words":48,"start":2094.3,"end":2106.725},{"sentences":[{"text":"Yep.","start":2106.675,"end":2107.175,"sentiment":"neutral","sentiment_score":0.17873947322368622}],"sentiment":"neutral","sentiment_score":0.17873947322368622,"channel":1,"num_words":1,"start":2106.675,"end":2107.175},{"sentences":[{"text":"Perfect.","start":2107.825,"end":2108.325,"sentiment":"neutral","sentiment_score":0.07668602466583252},{"text":"With the insurances, we do also note here that we do receive remuneration ongoing from the premium 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as well.","start":2130.705,"end":2135.8252,"sentiment":"neutral","sentiment_score":-0.06600766936095342},{"text":"So we will review those moving forward, making sure to keep the the cost as low as possible.","start":2135.8252,"end":2140.885,"sentiment":"neutral","sentiment_score":0.13585961527294582},{"text":"But we just like to outline the ongoing remuneration","start":2141.2651,"end":2143.5251,"sentiment":"neutral","sentiment_score":0.24966840280426872}],"sentiment":"neutral","sentiment_score":0.11362400907091796,"channel":0,"num_words":65,"start":2125.71,"end":2143.5251},{"sentences":[{"text":"Yep.","start":2143.5352,"end":2143.695,"sentiment":"neutral","sentiment_score":0.2637125849723816},{"text":"Yep.","start":2143.695,"end":2144.195,"sentiment":"neutral","sentiment_score":0.31862673163414}],"sentiment":"neutral","sentiment_score":0.2911696583032608,"channel":1,"num_words":2,"start":2143.5352,"end":2144.195},{"sentences":[{"text":"so you can see essentially how much we do receive from those insurance premiums, all part of being open and honest and clear with everything we've got.","start":2143.8252,"end":2150.71,"sentiment":"positive","sentiment_score":0.4884002473619249},{"text":"Okay?","start":2150.77,"end":2151.27,"sentiment":"neutral","sentiment_score":0.2778993844985962},{"text":"Beautiful.","start":2152.45,"end":2152.95,"sentiment":"positive","sentiment_score":0.6007262468338013},{"text":"Do you have any questions?","start":2153.4102,"end":2155.01,"sentiment":"neutral","sentiment_score":0.2639380514621735},{"text":"It's all pretty straightforward.","start":2155.01,"end":2156.47,"sentiment":"positive","sentiment_score":0.3685567155480385}],"sentiment":"positive","sentiment_score":0.4436670902528261,"channel":0,"num_words":38,"start":2143.8252,"end":2156.47},{"sentences":[{"text":"And no.","start":2157.7751,"end":2158.335,"sentiment":"neutral","sentiment_score":-0.09247664362192155},{"text":"Not not at the 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just","start":2164.145,"end":2165.105,"sentiment":"neutral","sentiment_score":0.018475953489542007}],"sentiment":"neutral","sentiment_score":0.04626149743011123,"channel":0,"num_words":19,"start":2160.2249,"end":2165.105},{"sentences":[{"text":"Yep.","start":2164.93,"end":2165.43,"sentiment":"neutral","sentiment_score":0.016529478132724762}],"sentiment":"neutral","sentiment_score":0.016529478132724762,"channel":1,"num_words":1,"start":2164.93,"end":2165.43},{"sentences":[{"text":"have a slight update done on the advice document.","start":2165.105,"end":2167.265,"sentiment":"neutral","sentiment_score":0.00877093875573741},{"text":"Don't sign it yet.","start":2167.265,"end":2168.405,"sentiment":"neutral","sentiment_score":-0.1483861543238163}],"sentiment":"neutral","sentiment_score":-0.03958508988412527,"channel":0,"num_words":13,"start":2165.105,"end":2168.405},{"sentences":[{"text":"Yep.","start":2168.45,"end":2168.95,"sentiment":"neutral","sentiment_score":-0.07518784701824188}],"sentiment":"neutral","sentiment_score":-0.07518784701824188,"channel":1,"num_words":1,"start":2168.45,"end":2168.95},{"sentences":[{"text":"I will just probably cancel this this DocuSign.","start":2168.865,"end":2172.6199,"sentiment":"neutral","sentiment_score":-0.3023273702710867},{"text":"I'll 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go?","start":2197.255,"end":2203.73,"sentiment":"neutral","sentiment_score":0.1552555891374747}],"sentiment":"neutral","sentiment_score":0.16954372126248576,"channel":0,"num_words":31,"start":2196.375,"end":2203.73},{"sentences":[{"text":"If we can make it a yeah.","start":2203.72,"end":2204.865,"sentiment":"neutral","sentiment_score":0.08480171007769448},{"text":"Make it a Wednesday if we can 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this","start":2208.19,"end":2208.8298,"sentiment":"neutral","sentiment_score":0.045972034335136414}],"sentiment":"neutral","sentiment_score":0.045972034335136414,"channel":0,"num_words":2,"start":2208.19,"end":2208.8298},{"sentences":[{"text":"whatever.","start":2208.625,"end":2209.125,"sentiment":"neutral","sentiment_score":0.04578961059451103}],"sentiment":"neutral","sentiment_score":0.04578961059451103,"channel":1,"num_words":1,"start":2208.625,"end":2209.125},{"sentences":[{"text":"time of day better for you?","start":2208.8298,"end":2210.3499,"sentiment":"neutral","sentiment_score":0.04235887931038936},{"text":"Or","start":2210.3499,"end":2210.8499,"sentiment":"neutral","sentiment_score":0.04662559926509857}],"sentiment":"neutral","sentiment_score":0.04296841073249068,"channel":0,"num_words":7,"start":2208.8298,"end":2210.8499},{"sentences":[{"text":"Yeah.","start":2210.785,"end":2211.0251,"sentiment":"neutral","sentiment_score":0.05875195562839508},{"text":"04:30 is is good.","start":2211.0251,"end":2212.805,"sentiment":"neutral","sentiment_score":0.15233436599373817}],"sentiment":"neutral","sentiment_score":0.13361788392066956,"channel":1,"num_words":5,"start":2210.785,"end":2212.805},{"sentences":[{"text":"yep.","start":2213.345,"end":2213.825,"sentiment":"neutral","sentiment_score":0.14033393561840057}],"sentiment":"neutral","sentiment_score":0.14033393561840057,"channel":0,"num_words":1,"start":2213.345,"end":2213.825},{"sentences":[{"text":"Normal","start":2213.585,"end":2213.985,"sentiment":"neutral","sentiment_score":0.23764561116695404}],"sentiment":"neutral","sentiment_score":0.23764561116695404,"channel":1,"num_words":1,"start":2213.585,"end":2213.985},{"sentences":[{"text":"Perfect.","start":2213.825,"end":2214.325,"sentiment":"neutral","sentiment_score":0.053558241575956345}],"sentiment":"neutral","sentiment_score":0.053558241575956345,"channel":0,"num_words":1,"start":2213.825,"end":2214.325},{"sentences":[{"text":"normally, I finish work, so that's why I was a bit surprised when I had","start":2214.065,"end":2217.45,"sentiment":"neutral","sentiment_score":-0.04801223700245221}],"sentiment":"neutral","sentiment_score":-0.04801223700245221,"channel":1,"num_words":15,"start":2214.065,"end":2217.45},{"sentences":[{"text":"You're right.","start":2219.665,"end":2220.565,"sentiment":"neutral","sentiment_score":0.1489068642258644},{"text":"I have availability on Wednesday, April 15.","start":2221.185,"end":2225.42,"sentiment":"neutral","sentiment_score":0.09067477285861969},{"text":"Is that okay?","start":2225.42,"end":2226.2998,"sentiment":"neutral","sentiment_score":0.08951957275470097},{"text":"Is this a few days beforehand?","start":2226.2998,"end":2227.8398,"sentiment":"neutral","sentiment_score":0.06066394845644633}],"sentiment":"neutral","sentiment_score":0.08694886374804708,"channel":0,"num_words":18,"start":2219.665,"end":2227.8398},{"sentences":[{"text":"Yeah.","start":2228.3298,"end":2228.57,"sentiment":"neutral","sentiment_score":0.16420209407806396},{"text":"That should be right.","start":2228.57,"end":2229.495,"sentiment":"neutral","sentiment_score":0.2819459028542042}],"sentiment":"neutral","sentiment_score":0.25839714109897616,"channel":1,"num_words":5,"start":2228.3298,"end":2229.495},{"sentences":[{"text":"Yep.","start":2229.66,"end":2229.98,"sentiment":"neutral","sentiment_score":0.29913434386253357},{"text":"Beautiful.","start":2229.98,"end":2230.38,"sentiment":"positive","sentiment_score":0.7642202377319336},{"text":"And I'll make it there at 03:30.","start":2230.38,"end":2232.24,"sentiment":"positive","sentiment_score":0.440984057528632},{"text":"Perfect.","start":2232.2998,"end":2232.7998,"sentiment":"positive","sentiment_score":0.7040424346923828},{"text":"So I've booked","start":2232.8599,"end":2233.5,"sentiment":"positive","sentiment_score":0.4150316019852956}],"sentiment":"positive","sentiment_score":0.469183094226397,"channel":0,"num_words":13,"start":2229.66,"end":2233.5},{"sentences":[{"text":"Yep.","start":2233.415,"end":2233.915,"sentiment":"neutral","sentiment_score":0.3179725110530853}],"sentiment":"neutral","sentiment_score":0.3179725110530853,"channel":1,"num_words":1,"start":2233.415,"end":2233.915},{"sentences":[{"text":"that one in for you.","start":2233.5,"end":2234.46,"sentiment":"positive","sentiment_score":0.46082783937454225},{"text":"I'll add a little text message reminder as well for you, Scott,","start":2234.46,"end":2237.68,"sentiment":"neutral","sentiment_score":0.3016192714373271}],"sentiment":"positive","sentiment_score":0.3484453208306256,"channel":0,"num_words":17,"start":2233.5,"end":2237.68},{"sentences":[{"text":"Yep.","start":2237.8152,"end":2238.3152,"sentiment":"neutral","sentiment_score":0.2239052057266235}],"sentiment":"neutral","sentiment_score":0.2239052057266235,"channel":1,"num_words":1,"start":2237.8152,"end":2238.3152},{"sentences":[{"text":"and we can kind of have a chat about where things are up to with you and what we need to maybe look at.","start":2238.725,"end":2244.485,"sentiment":"neutral","sentiment_score":0.31116941198706627},{"text":"Okay?","start":2244.485,"end":2244.985,"sentiment":"neutral","sentiment_score":0.14657500386238098}],"sentiment":"neutral","sentiment_score":0.30458563566207886,"channel":0,"num_words":25,"start":2238.725,"end":2244.985},{"sentences":[{"text":"Yep.","start":2244.935,"end":2245.435,"sentiment":"neutral","sentiment_score":0.10391639173030852},{"text":"Oh, three","start":2245.55,"end":2246.21,"sentiment":"neutral","sentiment_score":0.14115862548351288}],"sentiment":"neutral","sentiment_score":0.1287445475657781,"channel":1,"num_words":3,"start":2244.935,"end":2246.21},{"sentences":[{"text":"Perfect.","start":2246.805,"end":2247.305,"sentiment":"positive","sentiment_score":0.6500542163848877},{"text":"Thank you so much.","start":2247.365,"end":2248.165,"sentiment":"positive","sentiment_score":0.8233363032341003},{"text":"I'll get that updated, and I'll resend it through to you shortly.","start":2248.165,"end":2250.825,"sentiment":"positive","sentiment_score":0.4316341032584508}],"sentiment":"positive","sentiment_score":0.536647568730747,"channel":0,"num_words":17,"start":2246.805,"end":2250.825},{"sentences":[{"text":"d.","start":2250.75,"end":2250.99,"sentiment":"neutral","sentiment_score":0.036622725427150726},{"text":"Alright.","start":2250.99,"end":2251.31,"sentiment":"neutral","sentiment_score":0.2880571484565735},{"text":"Thank you very much.","start":2251.31,"end":2252.29,"sentiment":"positive","sentiment_score":0.7266132533550262}],"sentiment":"positive","sentiment_score":0.5385221478839716,"channel":1,"num_words":6,"start":2250.75,"end":2252.29},{"sentences":[{"text":"Thank you.","start":2252.3188,"end":2252.7988,"sentiment":"positive","sentiment_score":0.6797425746917725},{"text":"I'll talk to you soon.","start":2252.7988,"end":2253.679,"sentiment":"positive","sentiment_score":0.4155683696269989},{"text":"See you later.","start":2253.679,"end":2254.4988,"sentiment":"neutral","sentiment_score":0.332090824842453}],"sentiment":"positive","sentiment_score":0.4433599472045898,"channel":0,"num_words":10,"start":2252.3188,"end":2254.4988},{"sentences":[{"text":"Okay.","start":2254.1099,"end":2254.43,"sentiment":"neutral","sentiment_score":0.09031974524259569},{"text":"Stay apart.","start":2254.43,"end":2255.25,"sentiment":"neutral","sentiment_score":0.04431921988725662}],"sentiment":"neutral","sentiment_score":0.05965272833903631,"channel":1,"num_words":3,"start":2254.1099,"end":2255.25},{"sentences":[{"text":"Bye.","start":2255.2788,"end":2255.7788,"sentiment":"neutral","sentiment_score":-0.12018750607967375}],"sentiment":"neutral","sentiment_score":-0.12018750607967375,"channel":0,"num_words":1,"start":2255.2788,"end":2255.7788}]},"summary":{"result":"success","short":"During a financial appointment, the representative from OC Financial discusses the customer's personal and employment history, including their employment history and retirement goals. They provide advice on employment and advise updating portfolio recommendations for insurances and retirement savings. The speaker emphasizes the importance of factoring in retirement goals and budgeting in recommendations and recommends increasing salary sacrifice and reducing income. They also discuss the benefits of removing underperforming investments and adding core composite bonds to the Aussie 200 portfolio. The speaker emphasizes the importance of retaining a stable portfolio and offers information on insurance and retirement benefits."},"intents":{"segments":[{"text":"I've I've got my appointment today. Am I? You do?","start_word":15,"end_word":24,"intents":[{"intent":"Schedule appointment","confidence_score":0.104010165}]},{"text":"Do you happen to have access to your emails?","start_word":95,"end_word":103,"intents":[{"intent":"Access emails","confidence_score":0.39356992}]},{"text":"Just for you to confirm your full name, address, and date of birth I should have. Scott Daniel Sawyer.","start_word":240,"end_word":258,"intents":[{"intent":"Confirm identity","confidence_score":0.14204115},{"intent":"Confirm information","confidence_score":0.023069521}]},{"text":"so much for that. Beautiful. I've just sent the email through to you that your email address got soyao24@gmail.com. Yep. If you wanted to pop in there when you got a second and pull up the document, we can just go through the updated advice together if you like. Yep.","start_word":278,"end_word":327,"intents":[{"intent":"End conversation","confidence_score":0.023711108}]},{"text":"I've just sent the email through to you that your email address got soyao24@gmail.com. Yep.","start_word":283,"end_word":297,"intents":[{"intent":"Confirm email","confidence_score":0.07231602},{"intent":"Confirm email address","confidence_score":0.03313527},{"intent":"Confirm email address","confidence_score":0.07705974}]},{"text":"I've got plenty of time booked out, so don't you sort of are working your time frame, so you just let me know when you're ready. Okay.","start_word":329,"end_word":355,"intents":[{"intent":"Ensure time availability","confidence_score":0.0019961963}]},{"text":"Are you you are you the one doing the financial stuff for me now? Yeah. Yep.","start_word":358,"end_word":373,"intents":[{"intent":"Set up monthly financial review","confidence_score":0.000067593406}]},{"text":"There has been some changes to the market conditions as well, so I've taken that opportunity to maybe alter your portfolio a little bit with you as well, and I'll show you what that looks like. Okay?","start_word":459,"end_word":495,"intents":[{"intent":"Report problem","confidence_score":0.003698577}]},{"text":"There has been some changes to the market conditions as well, so I've taken that opportunity to maybe alter your portfolio a little bit with you as well, and I'll show you what that looks like. Okay? Yep.","start_word":459,"end_word":496,"intents":[{"intent":"Show portfolio changes","confidence_score":0.02230587}]},{"text":"Now when you open the email there, there normally is a button that says sign. Otherwise, I've also attached the statement of advice there for you Yep. as a an attachment. But if you Yep. press that button, it'll let you go through so you can open the document.","start_word":512,"end_word":560,"intents":[{"intent":"Open document","confidence_score":0.18588609}]},{"text":"And you should be able to scroll up and down that one. Let Cool.","start_word":626,"end_word":639,"intents":[{"intent":"Scroll down document","confidence_score":0.12795724}]},{"text":"So how long are you still gonna be working with this employer for?","start_word":847,"end_word":859,"intents":[{"intent":"Discuss options for future employment","confidence_score":0.0024796785}]},{"text":"need a bit of time Abs to set some stuff out. absolutely.","start_word":952,"end_word":963,"intents":[{"intent":"Determine if you will use time abs for personal needs","confidence_score":9.488742e-12}]},{"text":"Just, essentially, you're not taking on board some of the recommendations just because your income might have definitely dropped quite significantly in that time frame. Yep.","start_word":1005,"end_word":1030,"intents":[{"intent":"Inquire about income decline","confidence_score":0.0004164367}]},{"text":"I'll point out exactly what I have recommended. Yep.","start_word":1039,"end_word":1047,"intents":[{"intent":"Discuss advice recommendation","confidence_score":0.07803916}]},{"text":"Is you so you're definitely looking to go into employment for yourself moving forward?","start_word":1047,"end_word":1060,"intents":[{"intent":"Recommend self-employment","confidence_score":0.16346349}]},{"text":"What I'll get you to do is take it back and read it. Some of the advice are still gonna be appropriate, but it might just be the scallop facts and the the contribution side that won't really be appropriate anymore. But have a think about it and let me know what you think anyway. Yeah.","start_word":1193,"end_word":1248,"intents":[{"intent":"Consider reupdating advice","confidence_score":0.009704235}]},{"text":"If there is any once you've kind of had these changes to your employment, we might check-in in a couple of weeks with you just after the changes, after you stop this job and sort of see where things are up to And Yep.","start_word":1249,"end_word":1292,"intents":[{"intent":"Schedule check-in","confidence_score":0.0061218757}]},{"text":"But, look, honestly, it sounds like there's some good things on the horizon for you. So with them closing down the electrical side of things, there should be plenty of work out there for you to start up your own business.","start_word":1343,"end_word":1383,"intents":[{"intent":"Consider potential benefits","confidence_score":0.000034353838}]},{"text":"So I'm in the Yep. scope of advice and stuff at the moment.","start_word":1563,"end_word":1575,"intents":[{"intent":"Provide advice","confidence_score":0.027203454}]},{"text":"The next page outlines the best interest, Judy. So just, like, making sure that you're aware we wanna do catch ups and regular reviews with you every year to make sure that you're on track towards meeting your goals.","start_word":1634,"end_word":1672,"intents":[{"intent":"Plan review","confidence_score":0.01685116}]},{"text":"So I'll just run through the recommendations there with you. I'll note the parts that may not be appropriate anymore. And then what we'll do is we'll get you to work out what you are comfortable undertaking. And then in a couple of weeks, we might just go back and update some changes to the recommendations there. Okay?","start_word":1693,"end_word":1750,"intents":[{"intent":"Update recommendations","confidence_score":0.7465796}]},{"text":"With regard to the scope of advice, I was looking mostly at superannuation, making sure it was working really well for you. I know you were happy last year when we spoke. You were happy with the way your portfolio was going. However, since then, there have been some changes to the investments. So there have been some underperforming investments in there, so I wanted to remove those and make sure your portfolio is always working harder for you. Yep.","start_word":1755,"end_word":1834,"intents":[{"intent":"Discuss portfolio management and contribution recommendations","confidence_score":6.746598e-7}]},{"text":"towards your retirement goals. So we're not quite, at the point where we are talking about a retirement drawdown. However, because retirement is looking about sixteen years away from where you are at the moment, it is appropriate to make sure we're showing you the long term effects based on the recommendations that we are making and sort of giving you an idea of where you're tracking forward to.","start_word":2377,"end_word":2445,"intents":[{"intent":"Plan retirement goals","confidence_score":0.1351784}]},{"text":"You're looking to build a shed and also go on a bit of a holiday there.","start_word":2547,"end_word":2562,"intents":[{"intent":"Recommend building a shed","confidence_score":0.00827629}]},{"text":"We just get a budget plan that completed to be able to assess your financial circumstances personally.","start_word":2604,"end_word":2620,"intents":[{"intent":"Discuss financial situation","confidence_score":0.0005886923}]},{"text":"We're not sort of helping with regard to the debt management of the investment property at the moment. Do you still have that property as well? Yep.","start_word":2621,"end_word":2647,"intents":[{"intent":"Inquire about debt management","confidence_score":0.014218471}]},{"text":"And the estate planning side of things, you did have a beneficiary on file. You were comfortable with the way that was. They're not making any changes to that now, but we wanna review these things with you as your life changes as well. Okay?","start_word":2679,"end_word":2723,"intents":[{"intent":"Discuss estate planning","confidence_score":0.62752986}]},{"text":"With regard to transferring the property and stuff like that, you are Yep. then transferring the ownership into the trust. So Yep.","start_word":2785,"end_word":2806,"intents":[{"intent":"Discuss transferring property","confidence_score":0.19201021}]},{"text":"to your account to look at, obviously, the transfer, what that looks like CGT wise for you, and often the stamp duty and things Yep.","start_word":2837,"end_word":2861,"intents":[{"intent":"Discuss stamp duty","confidence_score":0.5066767}]},{"text":"If you do need any additional information around those sorts of things, you're welcome to give us a call Yep. as well. Okay?","start_word":2878,"end_word":2900,"intents":[{"intent":"Conclude call","confidence_score":0.0010342413}]},{"text":"This is a limited scribe a scope advice document.","start_word":2903,"end_word":2911,"intents":[{"intent":"Discuss scope advice","confidence_score":0.010606738}]},{"text":"This is a limited scribe a scope advice document. So the areas that are scoped Okay. in are noted above there. Just making sure that you're aware we're scoped in certain areas for where we are making recommendations, limited scope to areas where there's no maybe recommendation made. But there's a long term effect that we need to take into account there for you, and then scoping out any areas that we're not providing advice on.","start_word":2903,"end_word":2978,"intents":[{"intent":"Identify area of concern","confidence_score":0.000091052534}]},{"text":"So the areas that are scoped Okay. in are noted above there. Just making sure that you're aware we're scoped in certain areas for where we are making recommendations, limited scope to areas where there's no maybe recommendation made. But there's a long term effect that we need to take into account there for you, and then scoping out any areas that we're not providing advice on.","start_word":2912,"end_word":2978,"intents":[{"intent":"Check coverage areas","confidence_score":0.0000026379328}]},{"text":"Just making sure that you're aware we're scoped in certain areas for where we are making recommendations, limited scope to areas where there's no maybe recommendation made.","start_word":2924,"end_word":2950,"intents":[{"intent":"Recommend specific areas","confidence_score":0.0037659346}]},{"text":"Worst Yep. case, you can always email me and let me know that there's a certain section that you're not wanting to take on board. Okay? Yep.","start_word":3068,"end_word":3094,"intents":[{"intent":"Confirm understanding","confidence_score":0.07839995}]},{"text":"And under the Better Advice Act 2021, I'm a qualified tax relevant provider, which means that I can provide financial advice in relation to sorry. I can provide financial advice in relation to tax and tax related issues.","start_word":3209,"end_word":3246,"intents":[{"intent":"Provide financial advice","confidence_score":0.6429509}]},{"text":"We help you to minimize the tax before the event. They tend to tell you how much tax to pay after it's already occurred. Yep.","start_word":3269,"end_word":3293,"intents":[{"intent":"Reduce tax","confidence_score":0.4092891}]},{"text":"But are there any additional things that maybe need to be altered or may have changed since we last spoke?","start_word":3347,"end_word":3366,"intents":[{"intent":"Find additional changes","confidence_score":0.0003346929}]},{"text":"I'm doing my I'm doing my divorce papers and stuff as as we speak.","start_word":3420,"end_word":3433,"intents":[{"intent":"Do divorce papers","confidence_score":0.01932726}]},{"text":"The next page does note your assets and liabilities as we had noted. Are there any major changes you would like there? I know when Jacob booked you in the other day, he did sort of check the fact fine. There was no significant changes to to note down. But is there anything there that you would want updated at all?","start_word":3582,"end_word":3642,"intents":[{"intent":"Update and review policies","confidence_score":0.083267495}]},{"text":"With the, sorry, you're in a growth portfolio at the moment, and it's less than a five year rolling average. This has averaged about 14.2% on a yearly basis.","start_word":4006,"end_word":4034,"intents":[{"intent":"Analyze portfolio growth","confidence_score":0.0011912292}]},{"text":"can just catch up in a few weeks and sort of see where you're going and update and alter the advice to reflect that for you. Okay? Yep.","start_word":4268,"end_word":4295,"intents":[{"intent":"Update and adjust advice","confidence_score":0.0033748348}]},{"text":"But with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years.","start_word":4311,"end_word":4346,"intents":[{"intent":"Discuss portfolio results","confidence_score":0.00006590205}]},{"text":"But with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years. So if the markets work the way we want them to and if you can project that forward and if you got the same return over the next five to ten years, you can sort of see what might be projected there for you. Okay?","start_word":4311,"end_word":4391,"intents":[{"intent":"Propose portfolio changes","confidence_score":0.012621919}]},{"text":"But with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years. So if the markets work the way we want them to and if you can project that forward and if you got the same return over the next five to ten years, you can sort of see what might be projected there for you. Okay? Yep.","start_word":4311,"end_word":4392,"intents":[{"intent":"Discuss financial projections","confidence_score":0.00024986206}]},{"text":"So you'll see this is more of a conservative projection to sort of show what we'd expect.","start_word":4489,"end_word":4505,"intents":[{"intent":"Consider projections","confidence_score":0.00040840707}]},{"text":"So the benefit based on current eligibility, and this will be reviewed kinda further down the track for you as well.","start_word":4704,"end_word":4724,"intents":[{"intent":"Review benefit","confidence_score":0.22543816}]},{"text":"It's it's still about 11,000 less than your target on a yearly basis, but does give you access to age pension, which is kinda cool. Age pension will help you draw out less out of your super long term, so it can help provide a bit of longevity there for you as well.","start_word":4800,"end_word":4852,"intents":[{"intent":"Emphasize retirement income","confidence_score":0.00067943987}]},{"text":"With the recommended of increasing the salary sacrifice to a $100 per fortnight, you can see the projected outcome based on the conservative projection is slightly higher.","start_word":4861,"end_word":4887,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.45903036}]},{"text":"And when you sort of look at the income side of things, it actually reduces that gap slightly. So you're a little bit closer to being able to access the $80,000 on a yearly basis. It's still factoring in eligibility for age pension, but your super is also lasting a little bit longer there as well. So you can sort of see the difference between increasing that salary sacrifice a bit there as well. Does Yep.","start_word":4888,"end_word":4963,"intents":[{"intent":"Explain income difference","confidence_score":0.0033479761}]},{"text":"That was the recommendation for the salary sacrifice sort of things. I know it's probably not gonna be possible at the moment, so that's absolutely okay. What I will get you to do, if you're once you sort of had a reach for the document and decided, if you wanted to on the back page of that, you can just write there that due to change in circumstances, you don't wish to proceed with the salary sacrifice arrangement, Yep.","start_word":4970,"end_word":5048,"intents":[{"intent":"Specify document preference","confidence_score":0.00005635261},{"intent":"Express agreement","confidence_score":0.001492933}]},{"text":"And then we can just catch up in a couple of weeks' time and talk about the changes and what things look like for you, and then we can always update the advice to reflect changes to the to the income and the contributions for you.","start_word":5049,"end_word":5094,"intents":[{"intent":"Plan to update advice","confidence_score":0.01344747}]},{"text":"And the S and P five hundred will be selling a bit of that to kind of rebalance you back a little bit. We've also got the beta shares Rafi Aussie two 100 there. We're gonna be selling some of that to rebalance your portfolio back.","start_word":5397,"end_word":5442,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.2753349}]},{"text":"And then we're gonna put all that into the a 200, which is the second one from the bottom there. Yeah.","start_word":5574,"end_word":5594,"intents":[{"intent":"Update portfolio","confidence_score":0.6489097}]},{"text":"So what a lot of people sort of unaware of is while there's a lot of, unsurety in the market about The US and about equities as a whole at the moment, it has been quite volatile.","start_word":6018,"end_word":6054,"intents":[{"intent":"Highlight market volatility and investor interest","confidence_score":0.000013265202}]},{"text":"But, essentially, with the S and P 500, it tracks the S and P 500 index. So that with the index there, the index well, the people who the investment committee around the index, they meet every quarter. Then, essentially, they are deciding which companies fit the criteria to be within the S and P 500 and same with the the Aussie 200, the ones that you know, what companies meet that criteria to remain in that sort of indexes.","start_word":6077,"end_word":6156,"intents":[{"intent":"Verify company composition and ranking","confidence_score":2.307179e-8},{"intent":"Discuss s&p 500 indexes","confidence_score":0.014376386}]},{"text":"can rest assured you are always invested in the top 500 companies in the S and P and with the a 200, the Australian top 200 companies there. And when those companies are long no longer performing and don't meet the criteria, they are flicked out of there and something else replaces Yeah.","start_word":6176,"end_word":6228,"intents":[{"intent":"Evaluate investment benefits","confidence_score":0.0009833681}]},{"text":"The advantages here, I have recommended retaining hub twenty four. There are no real changes to the platform that require us to maybe look at reviewing that in any way, shape, or form.","start_word":6627,"end_word":6659,"intents":[{"intent":"Recommend hub twenty four","confidence_score":0.09381689}]},{"text":"With the disadvantages there, there are capital gains effects for, obviously, making the portfolio switch. But when I kinda out you know, look at the the capital gains effect as opposed to the investment savings and the long term effect that it can have on your super, it kind of outweighs the CGT effect, and it was really better to make the alterations now for you, especially if you're not quite 50 yet.","start_word":6716,"end_word":6788,"intents":[{"intent":"Evaluate capital gains and portfolio adaptations","confidence_score":9.744101e-9}]},{"text":"So, like, we're not making any additional recommendations on the insurances, but because they are paid out of your super fund, it is important to say that.","start_word":6911,"end_word":6937,"intents":[{"intent":"Share insurance recommendations","confidence_score":0.00075344025}]},{"text":"With the insurances, we do also note here that we do receive remuneration ongoing from the premium stamp. This outlines the total for the year that we are expected to receive. It is 2222% ongoing.","start_word":7289,"end_word":7323,"intents":[{"intent":"Request remuneration","confidence_score":0.0039097355}]},{"text":"What I wanna do, there is just that one section I wanna have updated. So I will just Yep. have a slight update done on the advice document. Don't sign it yet.","start_word":7445,"end_word":7476,"intents":[{"intent":"Update advice document","confidence_score":0.16939075}]},{"text":"Did you want me to book in a time in about a month now while I've got you here just so we've got that in the calendar ready to go?","start_word":7570,"end_word":7599,"intents":[{"intent":"Book appointment","confidence_score":0.01679944}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Scott. It's Dana from OC Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18117579817771912},{"text":"Good. I've I've got my appointment today.","start_word":14,"end_word":20,"sentiment":"positive","sentiment_score":0.4348978102207184},{"text":"Am I? You do? Yeah. Is now okay, or is not if it doesn't suit, that's okay. We can No. No. reschedule No. No. it. No. It's We can all do it now. I can do I can fit in the I'll just finish the job, so I'll I'll fit in the van and do it. I forgot all of it. good? Oh, that's okay.","start_word":21,"end_word":85,"sentiment":"neutral","sentiment_score":-0.008428904227912426},{"text":"That's honestly okay.","start_word":86,"end_word":88,"sentiment":"positive","sentiment_score":0.3912124037742615},{"text":"It's not a problem at all. Do you happen to have access to your emails? If you don't, it's not I do. a problem at all. Yeah. You do? I do. Yep. Just give me two seconds while I put my gear away. Yeah. And then Right. Not a problem at all. I'll just finish the job anyway. I was just talking to the customer. They they gone back inside.","start_word":89,"end_word":158,"sentiment":"neutral","sentiment_score":0.07410843670368195},{"text":"So That was good timing then.","start_word":159,"end_word":164,"sentiment":"positive","sentiment_score":0.34324634075164795},{"text":"yeah. It is actually good timing to the the task, I say, No. That's when it comes all to good. talking to the Not a worry at all. Just while yeah. you are getting your sort sorted there, Yep. just to let you know, we do record our calls for quality and training purposes.","start_word":165,"end_word":218,"sentiment":"neutral","sentiment_score":0.18043813109397888},{"text":"You're happy for me to proceed with that?","start_word":219,"end_word":226,"sentiment":"positive","sentiment_score":0.3595943748950958},{"text":"Yep. Yep.","start_word":227,"end_word":228,"sentiment":"neutral","sentiment_score":0.16785645484924316},{"text":"Beautiful.","start_word":229,"end_word":229,"sentiment":"positive","sentiment_score":0.4852592945098877},{"text":"And I'll just do security quickly with you as well. Just for you to confirm your full name, address, and date of birth I should have. Scott Daniel Sawyer. Twenty fourth and Yep. third nineteen seventy six. Yep. 99 South Street, South, Mackenzie Perfect. 52 Thank you 90.","start_word":230,"end_word":277,"sentiment":"neutral","sentiment_score":0.1361430585384369},{"text":"so much for that. Beautiful.","start_word":278,"end_word":282,"sentiment":"positive","sentiment_score":0.5638583302497864},{"text":"I've just sent the email through to you that your email address got soyao24@gmail.com. Yep. If you wanted to pop in there when you got a second and pull up the document, we can just go through the updated advice together if you like. Yep. I've got plenty of time booked out, so don't you sort of are working your time frame, so you just let me know when you're ready. Okay. Alright.","start_word":283,"end_word":355,"sentiment":"neutral","sentiment_score":0.170517648940217},{"text":"Cool.","start_word":356,"end_word":356,"sentiment":"positive","sentiment_score":0.4550285041332245},{"text":"Alright. Are you you are you the one doing the financial stuff for me now? Yeah. Yep. Yep.","start_word":357,"end_word":374,"sentiment":"neutral","sentiment_score":0.11828926205635072},{"text":"Absolutely.","start_word":375,"end_word":375,"sentiment":"positive","sentiment_score":0.3352900743484497},{"text":"Yep. Yep. You're Yeah. doing it So originally. You weren't originally doing it, were you? no. No. So we have sort of just changed the way the business model has been sort of working because I did your annual review last year and wanted to, you know, help you to sort out your your financial situation and look at your strategies moving forward. You've come on to my book permanently now, so you Okay. and I'll make sure we catch up regularly. Yep. There has been some changes to the market conditions as well, so I've taken that opportunity to maybe alter your portfolio a little bit with you as well, and I'll show you what that looks like. Okay? Yep. Yep.","start_word":376,"end_word":497,"sentiment":"neutral","sentiment_score":0.15115146338939667},{"text":"Cool. So Perfect. I've got the email I've got the email here now. Excellent.","start_word":498,"end_word":511,"sentiment":"positive","sentiment_score":0.4747491776943207},{"text":"Now when you open the email there, there normally is a button that says sign. Otherwise, I've also attached the statement of advice there for you Yep. as a an attachment. But if you Yep. press that button, it'll let you go through so you can open the document. I'm never gonna ask you to sign anything you haven't read, so it won't ask you it won't it won't force you to sign anything as you are going Okay. through to review that one. Okay. Okay? So so if I push sign off here with that, I opens it up, does it? Yep. Yeah. It just Okay. opens it up. It Okay. shouldn't yeah. And you should be able to scroll up and down that one. Let Cool. me know Second. if it doesn't work at all. Yep. That's it. That's why it's just loading. Yep. You're right. How's your day been otherwise? Good. So Yeah. since I talked to whoever rang up and booked the appointment, because Yeah. I don't think he was it. No. No. That would Hang have been on. one of my lovely admin team members. Yeah. Yep. So I'm potentially finishing up where I am and going to work for myself. Okay.","start_word":512,"end_word":718,"sentiment":"neutral","sentiment_score":0.036678634556955185},{"text":"Perfect.","start_word":719,"end_word":719,"sentiment":"positive","sentiment_score":0.4929378628730774},{"text":"So there could be some changes here. Yep. So Yeah. I've been looking at like, we had a few people leave. Like, we had lost the tradesmen, and we had some apprentice to finish up. They decided they weren't staying. So Yep. now the time of the business I am is electrical and construction. So they decided Yep. with the electrical, they were gonna close. Okay. So and I always thought I had another job, but that fell through last minute because they're not sure about they got jobs coming up, but they're not ready Right.","start_word":720,"end_word":815,"sentiment":"neutral","sentiment_score":-0.1571045219898224},{"text":"to start yet, so they'll be reluctant to put someone on straight away.","start_word":816,"end_word":828,"sentiment":"negative","sentiment_score":-0.3614152371883392},{"text":"So in the meantime, I've been thinking maybe I just should do my own thing. Yeah. Yeah. Absolutely. So how long are you still gonna be working with this employer for? So four I finished on the tenth of the fourth. Okay. So that's three weeks. And then I've got three weeks I think that three or four weeks annual leave would be due to that I'll get paid out for as well. Yeah. And then I've also got six months on service. So you want to potentially use some of that if I need to as well. So Okay. No worries so at I've all. got a Perfect. few different things up. Let's see if I really get stuck and I Yeah. need a bit of time Abs to set some stuff out. absolutely. Well, in saying that, I don't know how much of this some of the advice will definitely be appropriate for you, but there may Yep. have to be some changes to the advice that we are sort of looking at. Yep.","start_word":829,"end_word":1004,"sentiment":"neutral","sentiment_score":-0.008189445361495018},{"text":"Just, essentially, you're not taking on board some of the recommendations just because your income might have definitely dropped quite significantly in that time frame.","start_word":1005,"end_word":1029,"sentiment":"negative","sentiment_score":-0.3378497362136841},{"text":"Yep. But I'll go through this with you. I'll point out exactly what I have recommended.","start_word":1030,"end_word":1045,"sentiment":"neutral","sentiment_score":0.1555868722498417},{"text":"Yep.","start_word":1046,"end_word":1046,"sentiment":"positive","sentiment_score":0.35832667350769043},{"text":"Is you so you're definitely looking to go into employment for yourself moving forward? You'll just be self employed, or are you is there still a chance you might be looking for employment elsewhere? Or At this point, I'm thinking myself, but then I've I've got a mate that, like, one of the rules and stuff. So he said, potentially, he can get me a couple of days a week down there as well. So yep. Yep. Okay. that's obviously I gotta back up there as well if I need a couple of bit of billing time as well. Yeah. Yeah. Absolutely. No. That's okay. Not a problem at all. But what I do is I'll run through this advice piece with you. I'll let you know what I have recommended, how and why and how it was meant to affect with the current circumstances. Yep. What I'll get you to do is take it back and read it. Some of the advice are still gonna be appropriate, but it might just be the scallop facts and the the contribution side that won't really be appropriate anymore. But have a think about it and let me know what you think anyway. Yeah. If there is any once you've kind of had these changes to your employment, we might check-in in a couple of weeks with you just after the changes, after you stop this job and sort of see where things are up to And Yep. just do a bit of a catch up then as well and see whether we need to reupdate the advice down the track there as well. Okay? Yep. Alright. I'm just Perfect. trying to I closed it accidentally, and now I'm trying to open it again. That's okay. You're fine.","start_word":1047,"end_word":1342,"sentiment":"neutral","sentiment_score":0.08888313174247742},{"text":"But, look, honestly, it sounds like there's some good things on the horizon for you. So with them closing down the electrical side of things, there should be plenty of work out there for you to start up your own business.","start_word":1343,"end_word":1383,"sentiment":"positive","sentiment_score":0.41854560375213623},{"text":"Yes. So there's not there's always been work, and I've been obviously doing this for thirty years. So I've got a good Yeah. name around here anyway.","start_word":1384,"end_word":1410,"sentiment":"neutral","sentiment_score":0.07857996207248005},{"text":"So Oh, I've fantastic.","start_word":1411,"end_word":1414,"sentiment":"positive","sentiment_score":0.5944550037384033},{"text":"already I've already talked to I went to do a job for work this morning, and they go because I've obviously heard we're shut we're shutting the electrical. And they go, what are you doing? I get he goes, I'll get you to do the work at work still anyway. So and Perfect. there's already one straight up. So and that's not Yeah. talking to anybody else. So there's there's I got plenty of contacts and stuff anyway. So Yeah. No.","start_word":1415,"end_word":1495,"sentiment":"neutral","sentiment_score":0.0734306126832962},{"text":"That's good. That'll be fantastic. I mean, good things on the horizon for you at least anyways.","start_word":1496,"end_word":1512,"sentiment":"positive","sentiment_score":0.5104755759239197},{"text":"So yep. yeah. And having some long service leave and sick leave to fall back on will give you a bit of a buffer as well for expenditure and living and things like that. Yep. Yeah. All good. Has that one opened up again there for you at all? Yep. So I'm in the Yep. scope of advice and stuff at the moment. Perfect. So the advice document has been prepared for yourself as of the 03/17/2026, Yep. prepared by myself, Dana Taylor. On the very front there, you'll see my authorized representative number of 1304394. So I'm an authorized representative of Oakview Financial, and that's my registered license number. So I'm registered through Asic as a financial adviser. Okay? Yep. The next page outlines the best interest, Judy. So just, like, making sure that you're aware we wanna do catch ups and regular reviews with you every year to make sure that you're on track towards meeting your goals. Obviously, with this advice piece, it is based on your past situation, so Yep. there are some changes to come. So I'll just run through the recommendations there with you. I'll note the parts that may not be appropriate anymore. And then what we'll do is we'll get you to work out what you are comfortable undertaking. And then in a couple of weeks, we might just go back and update some changes to the recommendations there. Okay? Yep. Yep. Perfect. With regard to the scope of advice, I was looking mostly at superannuation, making sure it was working really well for you.","start_word":1513,"end_word":1775,"sentiment":"neutral","sentiment_score":0.09125449148647684},{"text":"I know you were happy last year when we spoke. You were happy with the way your portfolio was going.","start_word":1776,"end_word":1795,"sentiment":"positive","sentiment_score":0.5586814880371094},{"text":"However, since then, there have been some changes to the investments. So there have been some underperforming investments in there, so I wanted to remove those and make sure your portfolio is always working harder for you. Yep. Back when we did speak last year, you were comfortable undertaking and making an additional salary sacrifice into the super. That may change given your circumstances. Yep. But I will just go through the recommendations I made, and then you get to determine, you know, what you're comfortable with. And if there's a level of contribution you're comfortable with, we can always go and have a look at how that affects you. Okay? Yep. Yep.","start_word":1796,"end_word":1908,"sentiment":"neutral","sentiment_score":0.04468994960188866},{"text":"Can All I good.","start_word":1909,"end_word":1912,"sentiment":"positive","sentiment_score":0.5176756978034973},{"text":"Yeah. can I lump sum in you say you're working for yourself in some Yeah. months or weeks are better than others and blah blah blah? I can obviously do more Yep. in one week, less than the next week, and You so on.","start_word":1913,"end_word":1956,"sentiment":"neutral","sentiment_score":0.1937768757343292},{"text":"absolutely can. You can do whatever you like most Yep. definitely.","start_word":1957,"end_word":1967,"sentiment":"positive","sentiment_score":0.4705505073070526},{"text":"So if you're, you know, wanting to put a regular amount in there, you can pick either, like, a regular dollar figure amount. Or if you're just Yep. sort of working more some weeks and less other weeks and there's more of a contribution you wanted to have in super, you can absolutely transfer that in. You can do it one of two ways depending on how you're paying yourself. One is a deductible contribution where you just pay the lump sum in on a regular basis, or you can even just save it aside and do it once a year Yep. at the end of financial year, you let me know once you put that money in there, and I can organize a notice of intent, which makes that contribution concessional. It's where the the super fund takes the tax out of the inside super.","start_word":1968,"end_word":2113,"sentiment":"neutral","sentiment_score":0.2004837691783905},{"text":"And because you've paid that con made that contribution from your bank account, you'll be able to use that as a bit of a tax deduction as well at the end of the year to help you along. So Oh, I can.","start_word":2114,"end_word":2155,"sentiment":"positive","sentiment_score":0.6271278858184814},{"text":"Yeah. yeah. But what we'll do is I can Yep. when we catch up in a couple of weeks, I'll probably make it just after Easter.","start_word":2156,"end_word":2181,"sentiment":"neutral","sentiment_score":0.23053938150405884},{"text":"So we'll wait for you to finish up with this role Yep. and sort of work out what you're doing moving forward.","start_word":2182,"end_word":2203,"sentiment":"positive","sentiment_score":0.3859679996967316},{"text":"And then you and I can have another catch up there, Scott. We can talk about what's changed, Yep.","start_word":2204,"end_word":2222,"sentiment":"neutral","sentiment_score":0.30219343304634094},{"text":"and we can even go back and update the advice to reflect changes to the contributions and show you how that, you know, might affect you moving forward in your retirement goals there.","start_word":2223,"end_word":2255,"sentiment":"positive","sentiment_score":0.3352378308773041},{"text":"Okay? Yep. Yep.","start_word":2256,"end_word":2258,"sentiment":"neutral","sentiment_score":0.19649721682071689},{"text":"Cool.","start_word":2259,"end_word":2259,"sentiment":"positive","sentiment_score":0.49719738960266113},{"text":"Because I've gotta I've gotta talk to my accountant stuff and work out a few different pieces Yep. Yeah. as well. So Yep. and things like I I need to borrow a vehicle and stuff like that. So whether I'm set up trying to do that before the end of this financial year or whether I'll wait Wait next, till next. yeah. Yep. And do it then. So I've got a lot Yeah. lot of questions for him as well. There's a lot of things to think about. Yeah. Alright. Sorry. Nope. I'll be thinking about Perfect. it. With regard to this advice document, I have limited scope in the retirement needs. So we were working Yep. towards your retirement goals. So we're not quite, at the point where we are talking about a retirement drawdown. However, because retirement is looking about sixteen years away from where you are at the moment, it is appropriate to make sure we're showing you the long term effects based on the recommendations that we are making and sort of giving you an idea of where you're tracking forward to. Yep. We have also left in a a tool limited scope the insurance side of things. So we're not making any additional recommendations on insurances. You were happy with the level of cover you had. However, Yep. they are paid out of your super funds, so it does have an effect on your retirement and your retirement income stream at the end of the day. Yep. So it's important to factor those in insurances into the recommendations for you. Okay? Yep. Yep. On the next page, areas that we're not focusing on at the moment is the cash flow and budgeting. You're looking to build a shed and also go on a bit of a holiday there. So we're not sort of providing any additional support or advice around the cash flow and budgeting side of things. If you do Yep.","start_word":2260,"end_word":2586,"sentiment":"neutral","sentiment_score":-0.0020522321977571437},{"text":"want that down the track, you're welcome to let me know. I can definitely help you out. We just get a budget plan that completed to be able to assess your financial circumstances personally.","start_word":2587,"end_word":2620,"sentiment":"positive","sentiment_score":0.4850716590881348},{"text":"We're not sort of helping with regard to the debt management of the investment property at the moment. Do you still have that property as well? Yep. Yep. Yep.","start_word":2621,"end_word":2649,"sentiment":"neutral","sentiment_score":-0.13007491827011108},{"text":"Perfect. We can, down the track, help you with some, you know, strategies with paying down the debt a little bit faster if you would like those as well.","start_word":2650,"end_word":2678,"sentiment":"positive","sentiment_score":0.43032124638557434},{"text":"And the estate planning side of things, you did have a beneficiary on file. You were comfortable with the way that was. They're not making any changes to that now, but we wanna review these things with you as your life changes as well. Okay? Yep. Potentially, I'm talking to the account, and I could be like yeah. Sorry. The phone just cut out, Scott. Can you repeat So that for me? so, potentially, I might be turning everything into a trust, Okay. because apparently, Perfect. that's that's a that's a safer way of protecting assets and stuff as well. Yeah. Yeah. It absolutely can be. With regard to transferring the property and stuff like that, you are Yep. then transferring the ownership into the trust. So Yep. you will need to speak to a mortgage broker to make sure that the loan can be essentially redone once the property is transferred into the trust and speaking Yep. to your account to look at, obviously, the transfer, what that looks like CGT wise for you, and often the stamp duty and things Yep. like that to account for as well.","start_word":2679,"end_word":2868,"sentiment":"neutral","sentiment_score":0.08314989679738095},{"text":"So definitely have a have a look at that.","start_word":2869,"end_word":2877,"sentiment":"positive","sentiment_score":0.519324779510498},{"text":"If you do need any additional information around those sorts of things, you're welcome to give us a call Yep. as well. Okay? Yep.","start_word":2878,"end_word":2901,"sentiment":"neutral","sentiment_score":0.23951473832130432},{"text":"Perfect.","start_word":2902,"end_word":2902,"sentiment":"positive","sentiment_score":0.6425461769104004},{"text":"This is a limited scribe a scope advice document. So the areas that are scoped Okay. in are noted above there. Just making sure that you're aware we're scoped in certain areas for where we are making recommendations, limited scope to areas where there's no maybe recommendation made. But there's a long term effect that we need to take into account there for you, and then scoping out any areas that we're not providing advice on. Before taking on the advice, it's important because it is limited scope that you do review and have a bit of a range of the document, and you can let us know what any certain areas that you're not comfortable taking on board. On the very last page of the document where there's a sign, there's normally a text box there. And if there's any areas that you're not comfortable taking on or don't wish to proceed with, we just get you to write that in that section there.","start_word":2903,"end_word":3067,"sentiment":"neutral","sentiment_score":-0.01771085150539875},{"text":"Worst Yep. case, you can always email me and let me know that there's a certain section that you're not wanting to take on board.","start_word":3068,"end_word":3092,"sentiment":"negative","sentiment_score":-0.4578785300254822},{"text":"Okay? Yep. Yep. With when it comes to the estate planning side of things, we're not lawyers, so we do refer you through to a lawyer for the drafting of wills and power of attorneys and things like that. Yep. When it comes to insurances, we look at personal insurances, so life, TPD, income protection, and trauma, and things like that. Certain business insurances also apply. Other Yeah. types of business insurance, business lie personal liability, house contents, motor insurances, things like that. They're technically general insurance products, so we don't Yep. provide advice around those. However, Yep. we can refer you to a general insurance broker should you need the services of one. Yep. And under the Better Advice Act 2021, I'm a qualified tax relevant provider, which means that I can provide financial advice in relation to sorry. I can provide financial advice in relation to tax and tax related issues. However, we're not accountants, so we don't do your return for you. Yep. Yep.","start_word":3093,"end_word":3259,"sentiment":"neutral","sentiment_score":-0.012356980742808587},{"text":"We like to think we're more exciting than accountants. We help you to minimize the tax before the event.","start_word":3260,"end_word":3278,"sentiment":"positive","sentiment_score":0.4910287857055664},{"text":"They tend to tell you how much tax to pay after it's already occurred. Yep. With to make this a bit easier on you, if you scroll down there, page number seven, this is essentially the information that we had on you. I know, obviously, your income could definitely be changing, and your occupation will be changing over the course of the next few months there as well. But are there any additional things that maybe need to be altered or may have changed since we last spoke? You're talking about the ones with the income stuff on it? The the agent, Yeah. That will all that sort that of will stuff? definitely change. Yeah. It's probably right for now, but it'll probably definitely change in the near future. Yeah. Yeah. Yeah. I think that's pretty much yep. Well, The same. I'm doing my I'm doing my divorce papers and stuff as as we speak. So I just gotta Oh, fantastic. get get them back and do that side of it. So that'll be Yep. done. You have a lot So going on at the moment. oh, yeah. Oh, that was just something I haven't been able to do and say, me Yeah. and my ex wife is on on talking terms and stuff like that anyway. So it's it's Yeah. just up to you and things sitting there. It's like, oh, well, my mother's just static because she's she's met someone else and I've met someone else. So it's not like there's no we're not there's no spot between those two. So we've we've got a good balance to brush. Yep.","start_word":3279,"end_word":3550,"sentiment":"neutral","sentiment_score":0.04220682010054588},{"text":"Oh, that's really good. That's what you kinda aim for.","start_word":3551,"end_word":3560,"sentiment":"positive","sentiment_score":0.44366180896759033},{"text":"Yeah. So it's just No. one It's of those perfect. things that we hadn't got around to. So Yeah. No. Perfect. The next page does note your assets and liabilities as we had noted. Are there any major changes you would like there? I know when Jacob booked you in the other day, he did sort of check the fact fine. There was no significant changes to to note down. But is there anything there that you would want updated at all? Not at the moment till I work out how much money I'm spending on vehicles and stuff for this Yep. business. No. Understandable. All good. And the next page outlines your current superannuation and your insurance history preview at the moment. So just for your reference, you do have your life and TBD cover and your income protection benefit. Yep. The life and TBD sum insured are currently 260,125, all paid out of super. And then you've got your income protection policy there, which provides a monthly benefit free tax free income tax of 4,855. You do have a nice day waiting period and an age 65 benefit period on that one at the moment. Yep. Okay? Which You are currently sorry. You're right. as you said that, which should probably be fine anyway because because I've got all that long service place sitting there anyway, and I'll and I'll never lose it. Yeah. So worst couple of worst, I'll I'll get paid out for it. So Yep.","start_word":3561,"end_word":3810,"sentiment":"neutral","sentiment_score":0.03330476786196232},{"text":"That's all good.","start_word":3811,"end_word":3813,"sentiment":"positive","sentiment_score":0.3570241332054138},{"text":"The the premium for this one is about 4,060 currently. It is really important that we do review these moving forward as well because these policies do get more expensive as you get older as the risk of you making a claim increases. So we don't want these to eat away your super, especially if your contributions start to decrease. So Yep. we'll just make sure we're reviewing these, looking at the level of cover you need, you have, how much you're paying for them, and reviewing things moving forward with you as well. Okay? Yep. Yep.","start_word":3814,"end_word":3910,"sentiment":"neutral","sentiment_score":0.043690793216228485},{"text":"Perfect.","start_word":3911,"end_word":3911,"sentiment":"positive","sentiment_score":0.4359550178050995},{"text":"If you scroll down for me to page number 12, this is essentially where the recommendations are starting, and I'll kinda just go through it with you. Yep. So this is a projection table that's showing that at the moment, you've got your hub twenty four super fund there with the current balance, and then you've also got your administration fees, investment fees, any other fees applicable to the fund, your current contributions you're making, and the ongoing service fee there as well, and then your insurance premiums listed and noted also. Okay? Yep. With the, sorry, you're in a growth portfolio at the moment, and it's less than a five year rolling average. This has averaged about 14.2% on a yearly basis. We know you don't always get that every single year, but this is essentially how it has over the past five years averaged the return. It's actually not doing too bad. And, realistically, over the next five to ten years, if you got the same return moving forward, you can sort of see where it's projected to go. Yep. With the recommended there, the keeping with hub twenty four the same balance there, Your administration fees, investment fees, any other fees applicable there. The ongoing service fee does increase slightly because, obviously, we're factoring in growth in the portfolio and then your contributions. So with this one here at the moment, you have been making about $50 on a fortnightly basis salary sacrificing the super over and above your employer contributions. I am making a recommendation that we alter the or sorry. Alter the portfolio. We do a bit of a rebalance there and also remove some of the underperforming funds. But I'm also making $100 on a fortnightly basis. So it's something we Yep. did sort of discuss late last year. You were comfortable increasing it by that $50 on a a fortnightly basis just to sort of see if that can help you help you make your super work a bit harder there. I am well aware that with all the changes here, that might not be possible. So we Yep. can just catch up in a few weeks and sort of see where you're going and update and alter the advice to reflect that for you. Okay? Yep. Yep. The insurance premiums won't change because there's no alteration to the insurances currently. But with the changes to the investor portfolio that we're making there, you'll still be in that growth environment, but the newer portfolio has had a higher rate of return in over the past five years.","start_word":3912,"end_word":4345,"sentiment":"neutral","sentiment_score":0.06659351133050458},{"text":"So if the markets work the way we want them to and if you can project that forward and if you got the same return over the next five to ten years, you can sort of see what might be projected there for you.","start_word":4346,"end_word":4389,"sentiment":"positive","sentiment_score":0.3453391194343567},{"text":"Okay?","start_word":4390,"end_word":4390,"sentiment":"neutral","sentiment_score":0.17348140478134155},{"text":"Yep. Perfect.","start_word":4391,"end_word":4392,"sentiment":"positive","sentiment_score":0.4234086573123932},{"text":"Just going back up to the very top there, you'll see the investment fee is slightly different between the two recommended and the current fund there. With the changes, and I'll take you through those in a second, essentially, we are saving you about $707 in investment I fees by making the alteration to the investment portfolio for you as well. Okay? guess. Yeah. Yeah.","start_word":4393,"end_word":4457,"sentiment":"neutral","sentiment_score":0.2405325323343277},{"text":"Perfect.","start_word":4458,"end_word":4458,"sentiment":"positive","sentiment_score":0.4275450110435486},{"text":"If you scroll down there for me to page number 14. Now as I kinda mentioned before, it's important to take on the long term effect of the recommendations there. So you'll see this is more of a conservative projection to sort of show what we'd expect. Realistically, when we look at the projections at the top, they are lovely and beautiful. However, it does depend upon the portfolio giving you that kind of rate of return every year moving forward, which we know is not realistic, and you're not gonna get that right up into the age of retirement there. So where I'd sort of expect you to land with regards to the projected outcome is either in between this and the top section there for you. Yep. With these projections here, they are just more of a conservative projection showing that, you know, by with the current salary sacrifice arrangement, if you got a lower rate of return moving forward, this is where you could be projected to end up at the age of retirement there. And because we were looking at an income a target income amount of about 80,000, whilst this does allow you to draw that kind of money down from the age of 65 onwards, it is kind of just under the target balance a little bit. And this is taking into account also being able to access age pension from age 67 there as well for you. So the benefit based on current eligibility, and this will be reviewed kinda further down the track for you as well. You and I will make sure that we're looking at it. And when you get closer to retirement, you're sort of a year or two out. We'll really focus on what the drawdown looks like and what you'll be eligible for. Yep.","start_word":4459,"end_word":4765,"sentiment":"neutral","sentiment_score":0.06970463630042557},{"text":"But this is sort of show you that under your current circumstances, whilst you are sort of closer to being able to access the target retirement income, the projection does still look really good. It's it's still about 11,000 less than your target on a yearly basis, but does give you access to age pension, which is kinda cool. Age pension will help you draw out less out of your super long term, so it can help provide a bit of longevity there for you as well.","start_word":4766,"end_word":4852,"sentiment":"positive","sentiment_score":0.49691855907440186},{"text":"There for you as well. Yep. Okay? Yep. With the recommended of increasing the salary sacrifice to a $100 per fortnight, you can see the projected outcome based on the conservative projection is slightly higher. And when you sort of look at the income side of things, it actually reduces that gap slightly. So you're a little bit closer to being able to access the $80,000 on a yearly basis. It's still factoring in eligibility for age pension, but your super is also lasting a little bit longer there as well. So you can sort of see the difference between increasing that salary sacrifice a bit there as well. Does Yep. that make sense? Yeah. Yep.","start_word":4853,"end_word":4968,"sentiment":"neutral","sentiment_score":0.20774218440055847},{"text":"Perfect.","start_word":4969,"end_word":4969,"sentiment":"positive","sentiment_score":0.4016859531402588},{"text":"That was the recommendation for the salary sacrifice sort of things. I know it's probably not gonna be possible at the moment, so that's absolutely okay. What I will get you to do, if you're once you sort of had a reach for the document and decided, if you wanted to on the back page of that, you can just write there that due to change in circumstances, you don't wish to proceed with the salary sacrifice arrangement, Yep. And then we can just catch up in a couple of weeks' time and talk about the changes and what things look like for you, and then we can always update the advice to reflect changes to the to the income and the contributions for you. Does that sound okay? Yep. Yep. We might Yep. make it a we won't make it a better month if they can. Yeah. One Okay. month?","start_word":4970,"end_word":5120,"sentiment":"neutral","sentiment_score":0.04674281841082289},{"text":"Perfect.","start_word":5121,"end_word":5121,"sentiment":"positive","sentiment_score":0.3825981020927429},{"text":"Yeah. After this Because call, I don't if you give like, I'll book it back in for you. Yeah. yep. Yep.","start_word":5122,"end_word":5142,"sentiment":"neutral","sentiment_score":0.06406515836715698},{"text":"Cool. Perfect. Perfect.","start_word":5143,"end_word":5145,"sentiment":"positive","sentiment_score":0.577214241027832},{"text":"Now if you scroll down there for me to page number 19, this is running you through the changes to the investment portfolio. So Yep. as per the projection table above there, this is essentially showing you I had made some recommendations to alter the portfolio so that you're still staying within that growth environment, not taking on any extra risk. You're staying within your risk profile, but also making sure that we did remove some underperforming investments and make some changes to rebalancing for you as well. Okay? Yep. So with this one here sorry. You'll see that we are removing fully the bank hybrids. So with these ones here, they are about to be phased out, so we are taking the opportunity to remove them fully from your portfolio. And then with the agriculture, we'll just be rebalancing that a little bit, buying a bit more in so you'll keep the food. Physical gold has been doing really, really well, and it has been performing nicely in your portfolio, but we just wanna rebalance it because you're a bit overexposed there at the moment. So we'll be selling a bit of the physical gold and just it's good to kinda cement those gains every now and then.","start_word":5146,"end_word":5354,"sentiment":"neutral","sentiment_score":0.05994484573602677},{"text":"Cementing the gains allows the money to be recompounded back, invested into the other investments, allowing it to continue to grow.","start_word":5355,"end_word":5375,"sentiment":"positive","sentiment_score":0.33899345993995667},{"text":"You'll keep some of the cybersecurity there. We'll be buying a bit more in, so you have about 7% in there. And the S and P five hundred will be selling a bit of that to kind of rebalance you back a little bit. We've also got the beta shares Rafi Aussie two 100 there. We're gonna be selling some of that to rebalance your portfolio back. And then also the Benelog Australian Equities, we'll see, that is the one that has been underperforming, unfortunately.","start_word":5376,"end_word":5460,"sentiment":"neutral","sentiment_score":0.05889944995150847},{"text":"So as of late last year, early this year has been underperforming, has been quite volatile, and it's been pulling everyone's portfolio back a little bit.","start_word":5461,"end_word":5486,"sentiment":"negative","sentiment_score":-0.5458330512046814},{"text":"So we have made a business decision to remove the bend along out of there. I'm not sure if you remember back, but over the last couple of years, it has been a bit up and down. So we have made that decision to remove that investment from your portfolio solely. The fact that it has had a significant loss on most people's portfolios means we can offset some of the gains by race right? By rebalancing your portfolio out, which is a benefit for you. Yep. And then we're gonna put all that into the a 200, which is the second one from the bottom there. Yeah. Okay. I've actually noticed that the the name of that one's wrong. I'm gonna get this document just slightly updated for you because Okay. the a 200 is actually Australian 200, not a beta share global agriculture company. So don't sign this until I go back Okay. and get this altered for you. I just wanna update the name of that one because it's incorrect. But the a 200 is the Australian BetaShares OZY 200. It's giving you access to the top 200 companies in on the ASX. Yep. The a 200, essentially, is still keeping your Australian exposure into Australian equities. It's just that it has performed better over the past couple of years. It's not as up and down as Bennelong. Bennelong was sort of put in your portfolio to give you a bit of active management, but they haven't really been actively managing everything. And some of their underlying investments have not been performing nicely. So, unfortunately, we've reviewed them as an investment for you.","start_word":5487,"end_word":5762,"sentiment":"neutral","sentiment_score":-0.07160717248916626},{"text":"It's not performing, so I figured we're doing this advice anyway.","start_word":5763,"end_word":5773,"sentiment":"negative","sentiment_score":-0.34833070635795593},{"text":"Let's take Yep. the opportunity to go back and remove that out of there and update your portfolio for you as well. Okay? Yep. Do we have Beautiful. any tech do we have anything in Tesla or not? You don't as such, but it is part of the S and P 500 as well. So Okay. and I think there's some in the beta share cybersecurity. Let me just double check the underlines there. They don't Yep. tell you exactly what's in all of them, Yep. but you do have access to some of them by here. Because one of my my partner's stepfather is in after I have to share some stuff, and he told me to get on Tesla because he reckons it's gonna boom. Yeah. So Right. That'll be interesting. It kinda went through a bit of a a boom phase and took a bit of a dip, didn't it? yep, so he reckons it's gonna go nuts it's gonna go nuts because, obviously, he's he's into everything. Yeah. Yeah. Yep. Yeah. Yeah. So having a look at this, it is one of the top 10 holdings within the S and P five hundred. So So yep. you do have some of that. Yeah. Okay. That's Yep.","start_word":5774,"end_word":5983,"sentiment":"neutral","sentiment_score":0.014586391641447942},{"text":"perfect. It gives you good absolute exposure. One of the benefits to having the S and P five hundred and the a 200 there is that you are always investing in those top companies.","start_word":5984,"end_word":6017,"sentiment":"positive","sentiment_score":0.43389269709587097},{"text":"So what a lot of people sort of unaware of is while there's a lot of, unsurety in the market about The US and about equities as a whole at the moment, it has been quite volatile. I'm not sure if you've watched the news. You probably haven't got Yeah. time Yeah. with everything you've got going on. Yep. But, essentially, with the S and P 500, it tracks the S and P 500 index. So that with the index there, the index well, the people who the investment committee around the index, they meet every quarter. Then, essentially, they are deciding which companies fit the criteria to be within the S and P 500 and same with the the Aussie 200, the ones that you know, what companies meet that criteria to remain in that sort of indexes. And Yep. if they don't meet that criteria, they are removed and placed with something else. So you Okay. can rest assured you are always invested in the top 500 companies in the S and P and with the a 200, the Australian top 200 companies there. And when those companies are long no longer performing and don't meet the criteria, they are flicked out of there and something else replaces Yeah. it, which is Oh, really okay.","start_word":6018,"end_word":6234,"sentiment":"neutral","sentiment_score":0.01815168673713361},{"text":"good.","start_word":6235,"end_word":6235,"sentiment":"positive","sentiment_score":0.4506314694881439},{"text":"Okay? K. Yeah. You're still gonna have a bit of ClearBridge infrastructure income fund. It's giving you some infrastructure which is good for diversification, and then we'll have some core composite bonds in Yeah. there as well. So we are removing the bank hybrids and adding core composite bonds in there, which is a benefit. Essentially, the the BetaShares Bank hybrids those bank hybrids are gonna be phased out in the future. So we thought it was better, whilst we're altering your portfolio now, to remove them now.","start_word":6236,"end_word":6323,"sentiment":"neutral","sentiment_score":0.26853546500205994},{"text":"That way, we don't have to worry about down the track. We adjust the portfolio now, and then you've got time for your portfolio to, you know, recover and keep growing and benefit from the changes.","start_word":6324,"end_word":6359,"sentiment":"positive","sentiment_score":0.4350937902927398},{"text":"Does that make sense? Yep. Yeah. I realized Yep. I had to I realized things go up and down and things get sold off Yeah. and stuff like that. I'm not a first I'm not a person who thinks that everything's always gonna be everything's gonna be always good. There's always gonna be ups Yeah. and downs. No. That's honestly absolutely okay. It's not an issue at all. As part of the advice document, I do outline the do outline, sorry, the advantages, disadvantages, and the risks involved of the strategies that we are providing. We have had a bit of a look there as well, and there are CGT consequences, and it's important to make sure you are aware of them as well. So when we kind of went back and had a look at everything, the capital gains effect on your super fund is about $815 there. So that's estimated as per the research. Your super fund does the does tax returns every year for you anyway, Yep. So they will just account for that as part of it. It'll all be done as part of the switch. And then when your tax when your super fund does a tax return at the end of the financial year, they'll account for that capital gain as they need to. But Yeah. to complete the switch and get better performance, and, realistically, the capital gain is about $815, Yes.","start_word":6360,"end_word":6598,"sentiment":"neutral","sentiment_score":0.07143052602498538},{"text":"but we're saving approximately $700 in investment fees by making the switch. So it kinda evens Yep. itself out at the end of the day as well.","start_word":6599,"end_word":6625,"sentiment":"positive","sentiment_score":0.4863297641277313},{"text":"Yeah.","start_word":6626,"end_word":6626,"sentiment":"neutral","sentiment_score":0.27238211035728455},{"text":"The advantages here, I have recommended retaining hub twenty four.","start_word":6627,"end_word":6636,"sentiment":"positive","sentiment_score":0.3989943563938141},{"text":"There are no real changes to the platform that require us to maybe look at reviewing that in any way, shape, or form.","start_word":6637,"end_word":6659,"sentiment":"neutral","sentiment_score":0.27616649866104126},{"text":"It's still providing a benefit. With hub twenty four, they allow us to have a lot of different options.","start_word":6660,"end_word":6678,"sentiment":"positive","sentiment_score":0.4939901828765869},{"text":"They actually hold about 1,178 different investment options between Australia, US, and globally.","start_word":6679,"end_word":6691,"sentiment":"neutral","sentiment_score":0.3214683532714844},{"text":"So we do have really good options to be able to alter the portfolios and make changes as we need to, which is fantastic.","start_word":6692,"end_word":6715,"sentiment":"positive","sentiment_score":0.5533015131950378},{"text":"With the disadvantages there, there are capital gains effects for, obviously, making the portfolio switch. But when I kinda out you know, look at the the capital gains effect as opposed to the investment savings and the long term effect that it can have on your super, it kind of outweighs the CGT effect, and it was really better to make the alterations now for you, especially if you're not quite 50 yet. You still got a bit of time ahead of you there. Yeah. So you've got some time to allow your portfolio to continue growing, and we wanna make check this with you every year as we have just to make sure that it can remains in line with your needs and your goals and that we are working harder towards your retirement as well. Okay. Yep. Yep. Yeah. Do you have any questions at all so far? What? No? All good.","start_word":6716,"end_word":6869,"sentiment":"neutral","sentiment_score":-0.00717744929715991},{"text":"It is all very straightforward.","start_word":6870,"end_word":6874,"sentiment":"positive","sentiment_score":0.420087993144989},{"text":"That's essentially all I needed to kinda go through there for you. Down on page number 27, we do sorta have the affected projection showing you the outcome there if you didn't have any insurances. So, like, we're not making any additional recommendations on the insurances, but because they are paid out of your super fund, it is important to say that. You'll see the current and recommended projection table there, but then you can also see the difference. If you had no insurance that's paid out of super, the overall ten year impact could be quite higher if you got that great rate of return every year moving forward as well. So that's just sort of showing you the difference. It's one of those things. Having insurance is important. You either pay it in super or out of pocket. In super means it's coming out of your fund and can affect, obviously, long term retirement goals, whereas out of your back pocket makes it harder to cover when we don't have an expenditure isn't really working in our favor. Hello?","start_word":6875,"end_word":7055,"sentiment":"neutral","sentiment_score":-0.003837276188378835},{"text":"But it is a bit of a juggling act as well because your insurances are quite expensive and will get more expensive over time.","start_word":7056,"end_word":7079,"sentiment":"negative","sentiment_score":-0.34445294737815857},{"text":"We wanna review those with you to make sure they stay in line with your goals, but that you're not it's not eating away too much if you sleep at the end of the day as well. Okay. Yep. Yep. Yep.","start_word":7080,"end_word":7120,"sentiment":"neutral","sentiment_score":-0.08262941241264343},{"text":"Perfect.","start_word":7121,"end_word":7121,"sentiment":"positive","sentiment_score":0.5626201629638672},{"text":"The advice has been provided at no additional cost. You pay an ongoing service fee for our services as you are our client. You pay 1.65% as an ongoing service fee. That is paid out of super on a monthly basis as a 1.65 is the yearly amount. We do cap those at 600,000 currently. And on page number, sorry, 30, you'll see how much the estimated fee is. It's also in this projection table above there for you as well. Essentially, as an ongoing service client, we're here to review your circumstances, look at providing the advice documents, and making sure we're working towards your retirement goals and altering the strategies as your life changes. Because as much as, you know, sixteen years doesn't feel like a long time away, it is. There's a lot of things that could change in that time, and we could provide another 12 to 16 documents in that time frame to update your circumstances as well. Okay? Yep.","start_word":7122,"end_word":7286,"sentiment":"neutral","sentiment_score":0.13659878075122833},{"text":"Perfect.","start_word":7287,"end_word":7287,"sentiment":"positive","sentiment_score":0.4707988500595093},{"text":"With the insurances, we do also note here that we do receive remuneration ongoing from the premium stamp. This outlines the total for the year that we are expected to receive. It is 2222% ongoing. The remuneration is not the main thing for insurances. Insurances are there to meet your goals, and our recommendations should always be in your best interest. But we don't want your premiums to either way get super you know, as you get close to retirement as well. So we will review those moving forward, making sure to keep the the cost as low as possible. But we just like to outline the ongoing remuneration Yep. Yep.","start_word":7288,"end_word":7398,"sentiment":"neutral","sentiment_score":0.12920644879341123},{"text":"so you can see essentially how much we do receive from those insurance premiums, all part of being open and honest and clear with everything we've got.","start_word":7399,"end_word":7425,"sentiment":"positive","sentiment_score":0.4895643889904022},{"text":"Okay?","start_word":7426,"end_word":7426,"sentiment":"neutral","sentiment_score":0.2778993844985962},{"text":"Beautiful.","start_word":7427,"end_word":7427,"sentiment":"positive","sentiment_score":0.6007262468338013},{"text":"Do you have any questions?","start_word":7428,"end_word":7432,"sentiment":"neutral","sentiment_score":0.26181578636169434},{"text":"It's all pretty straightforward.","start_word":7433,"end_word":7436,"sentiment":"positive","sentiment_score":0.3590601682662964},{"text":"And no. Not not at the moment. Beautiful. What I wanna do, there is just that one section I wanna have updated. So I will just Yep. have a slight update done on the advice document. Don't sign it yet. Yep. I will just probably cancel this this DocuSign. I'll get Yep. it updated, and then I'll resend it through to you. Okay. And then once you get it through, there'll be a text box on the very last page. You can just note down there if you're comfortable that you don't wish to proceed with the salary sacrifice due to your changes and circumstances. Yep. And then we can, have another catch up in about a month's time and Yep. just kind of reassess that if you like. Okay? Yep.","start_word":7437,"end_word":7567,"sentiment":"neutral","sentiment_score":-0.012129347771406174},{"text":"Cool. Beautiful.","start_word":7568,"end_word":7569,"sentiment":"positive","sentiment_score":0.5737662315368652},{"text":"Did you want me to book in a time in about a month now while I've got you here just so we've got that in the calendar ready to go? If we can make it a yeah. Make it a Wednesday if we can at Absolutely. yeah. Or Is this whatever. time of day better for you? Or Yeah. 04:30 is is good. yep. Normal Perfect. normally, I finish work, so that's why I was a bit surprised when I had You're right. I have availability on Wednesday, April 15. Is that okay? Is this a few days beforehand? Yeah. That should be right. Yep.","start_word":7570,"end_word":7674,"sentiment":"neutral","sentiment_score":0.1048555727515902},{"text":"Beautiful. And I'll make it there at 03:30. Perfect. So I've booked Yep. that one in for you.","start_word":7675,"end_word":7692,"sentiment":"positive","sentiment_score":0.4622322916984558},{"text":"I'll add a little text message reminder as well for you, Scott, Yep. and we can kind of have a chat about where things are up to with you and what we need to maybe look at. Okay? Yep.","start_word":7693,"end_word":7731,"sentiment":"neutral","sentiment_score":0.2861480712890625},{"text":"Oh, three Perfect. Thank you so much. I'll get that updated, and I'll resend it through to you shortly.","start_word":7732,"end_word":7750,"sentiment":"positive","sentiment_score":0.4757651388645172},{"text":"d. Alright.","start_word":7751,"end_word":7752,"sentiment":"neutral","sentiment_score":0.1623399257659912},{"text":"Thank you very much. Thank you. I'll talk to you soon.","start_word":7753,"end_word":7763,"sentiment":"positive","sentiment_score":0.5515998601913452},{"text":"See you later. Okay. Stay apart. Bye.","start_word":7764,"end_word":7770,"sentiment":"neutral","sentiment_score":0.1716652512550354}],"average":{"sentiment":"neutral","sentiment_score":0.08962728012067496}}}}