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Is now still a good time? Yep. Fantastic. How's your day been so far? Yeah? Uh-huh. Fantastic. Rhiannon, before we jump into the call, just to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Lovely. And as to the security there with you as well, I'll just get you to confirm your full name, date of birth, and address I should have on file. Yep. Yep. Beautiful. Lovely. Thank you so much. I actually sorry. You said Cambridge Street? Have you recently moved? No. That's okay. I'll just have a quick look back on the other file and make sure. What was the last address I should have on file? Yep. That's the one I have here. That's okay. I can update that for you. Can you just give me that new address? I'll make sure I update that, sir, after the call for you to make it easier. Sorry about that. Yep. Yep. Okay. Oh, nice. Oh, that's fantastic. No. Excellent. I know it's been a little bit time. I do apologize for the delay there. We've updated the advice there for you. You and I kinda spoke last year about trying to maybe consolidate your super and looking at maybe transferring your insurance since everything's in one place. Yeah. Yeah. I had it all kinda ready to go early this year, but then I've kinda gone back with the changes in the market. I've also updated your portfolio for you as well because of what's been happening between your portfolio. I kinda wanted to do it all at once and show you what we wanna do. So instead of providing different advice documents so it took a bit longer, and I apologize for that. But I'll go through I'll go that's alright. I'll go through it all now with you. Do if I send this through to your email, do you have access to your emails? Are you able able to open the document there with me at all? Excellent. I've just sent that one through to you. That's absolutely perfect. Okay. It's just that it's gone through, which is great. Beautiful. Beautiful. Now on the front page there, when you open the email, I do have at the very bottom a whole bunch of additional attachments for you for the research that we've conducted. To make it easier, if you're just looking at the document there, you press the sign button. It lets you go in so you can kind of move up and down through the document there. Okay. Beautiful. Excellent. On the front page, it has note there that, yeah, we have prepared the document for yourself as of the 04/01/2026. Our documents are valid for sixty days from the date on the document there. However, if if things come up because you're busy, life gets in the way. If you do happen to sign this after the sixty days, it's not a problem at all. We just reconfirm your circumstances for you. The at the bottom there, it does have my representative number. So I'm a licensed adviser with Assic, and my registration number is 1304394 for you. Okay? To sort of show you what the document is about, to kinda start, I guess, I'll just go through sort of where we're where we're looking at. So we are looking at superannuation. Obviously, you're looking at hoping to retire. We noted around about the age of 60 there. When you get to that point at the time we last spoke, you're looking to draw an income of about $1,500 per week. So the advice is basically around looking to try and consolidate things for you, see if we can transfer your cover over, make things a bit cheaper, and save you a bit more money as well, as well as get your super working harder for you towards that goal in the future. Okay? We've scoped in insurances as well, just making sure that we can look to consolidate. We've found a way to definitely do that for you, and we can download track books to get better, more retail cover. And then I've also scoped the new state planning side of things. So you're happy with your beneficiary, noting that it was Cameron. However, I have noted that you've got a binding lapsing nomination. So I have just made a recommendation to update that for you so you don't have to keep updating this nomination on a regular basis, and also taking into account the will and power of attorney information as well, just making sure that all of your estate planning is sorted for you. Okay? On page number five, we do outline some areas that we're not looking at the advice at the moment. So we don't have any income protection or trauma at the moment. When we last spoke, income protection wasn't a a big issue for you. You mentioned you had about three hundred hours of sick leave there. You don't ever seem to get sick, which is a bonus to yourself. Oh, good. Yeah. Yeah. Oh, that's fantastic. That's excellent. So we're not looking at income protection at the moment, and you don't have any trauma at the moment. Again, we're not looking at those sorts of options. That was something we had tried to get down the track. However, due to what was disclosed with regard to the drug use, that we have to kinda hold off around about twenty twenty seven, twenty eight. We're able to look at new cover for you since this is what we're doing in the interim. And then you and I can keep touching base down the track to work out when we're able to look at more appropriate cover or if that's what you wanna do, and we can sort of take it from there and reupdate the advice as we go. Okay. Perfect. Now to kind of run through the recommendations, what I'll do is I'll go through a couple of pages where I need you to kinda touch on the recommendations, how and why we're making them, how this looks for you, and then I'll let you take the document back so you can have a really good read of it. Okay? To make things a bit easier for you, if you can there, Brianna, just scroll down to page number 18 for me. This is the table that kinda shows most around the the most detail around the recommendations. I'll run through it with you, then you'll get a chance to go back and read it all and take it all in. Perfect. So this is a fee comparison table here. Now at the moment, you do have your hub twenty four and your I n g super accounts there with the updated balances between the both of them. And underneath that, you'll see you're paying administration fees, investment fees, any other fees applicable, our ongoing service fee, your contributions are going in. And you had your nonconcessional contributions pay changed to salary sacrifice. So that definitely makes things a bit easier for you down the track as well. Are you there? Sorry, Rhiannon. Sorry. I see I thought I just dropped out. No. Yeah. You're alright. That's it. That's okay. I could hear a bit of a buzzing, so that's why I thought it dropped out. All good. With your nonconcessional contributions, last time we spoke, you were having those changed to salary sacrifice. And with the updated statements we received, it looks like they have all changed. So you're doing your salary sacrifice now instead of that regular nonconcessional transfer in. Is that right? Yep. Yep. Still the same way? Perfect. That'll definitely make things a little bit easier for you. I know there has been a bit of trouble with ING in claiming those. Yes. So this will make things a little bit easier for you as well. Okay? And at the moment with the ING insurance, you've got life and TPD, which is being paid out of there. You're currently paying about $621 for that cover there at the moment. Between the two super funds, you are in a growth portfolio. That growth portfolio generally sees about 80% of your super investing growth assets. So we're looking at things like Australian and international shares, listed property, and also commodities like gold and silver. And then the other 20% is normally invested in defensive assets, so things like cash, bonds, and fixed interest. With the three year rolling average of the current portfolio, you're in between the two funds. It's been averaging about 12.47%. What I am looking to recommend is that we do move you out of ING, and we can consolidate over to Hub twenty four. The way we're able to do this is we're able to transfer the insurances that you do have within ING over to Hub twenty four. So last year, we had a bit of a conversation. We went through some questions and looked at the transfer terms questions, and then I went back and did a bit of research for you. And it turns out you are eligible to have that transfer terms cover. What that essentially means is the cover within ING stays exactly the same at the same level, and we transfer that into Hub 24. It actually is cheaper to do that and transfer the cover over. When we looked at the quote to transfer, it's actually saving you about $421 on a yearly basis to complete the transfer terms and transfer the cover into hub twenty four. And by doing that, you still retain the same level of cover of life and TPD. You'll pay a little bit less in premiums, and that allows us to close off the ING, consolidate everything, and move it into hub twenty four. So you'll end up with one super fund. Your insurances will be in hub twenty four to make it easier. We can then help you transfer your contributions, your salary sacrifice, and your employer contributions that are paid into hub twenty four to make it easier. And then we're gonna change your portfolio a little bit, and I'll show you what that looks like shortly. But by completing the consolidation and altering your portfolio, you'll also save about $90 for the first year in administration fees and about $303 for the year in investment fees as well. So it saves you quite a significant amount of fees by consolidating and transferring everything over. No. That's okay. You're absolutely fine. Yeah. Yeah. The I n g super? Yeah. Yeah. Yeah. Perfect. So this was just the last balance we were able to save. So what we do is before we do any of the rollovers, we'll reconfirm the balances and things like that. But once we've got the way this will essentially work is we'll do the transfer of your insurance cover first. So we won't transfer any anything from ING until your insurances are transferred over. And then once your insurances are showing in hub twenty four as confirmed, then we'll complete the rollover from ING to hub twenty four, which will close off the close off the super and cancel insurance cover. And we'll make sure we give you the letter for sales tax and the employer contribution form so you can have all those moved over as well to make it nice and easy for you. Okay? Perfect. Yeah. All good. If you just go up slightly for me just to page number fifteen and sixteen, this is just sort of showing what we wanted to do to the portfolio. So I had kinda made mention that there were some changes that we wanted to make to your portfolio as well. So we have sort of noted that some of the investments well, most has been doing really well, and your portfolio has increased quite significantly. Some of the underlying investments have been underperforming a little bit. So we wanted to maybe take the opportunity to also swap them out for you. Obviously, with closing of ING, we'll be selling all of those investors and moving the funds over for you. But within your hub twenty four super fund, we're also going to just rebalance that. The battery and lithium tax has been performing quite well. It's still a really good investment to have in your portfolio. We're just gonna reduce that exposure back a little bit to 7% for you. With the Bennelong Australian Equities, that was put in your portfolio when you came on board originally as more of an actively managed managed fund. Their job was to try and outperform against the market, but, unfortunately, haven't been doing so, and they've been underperforming for you. So we have gone back and reviewed that this year and wanted to remove that out of there for you. So we're gonna sell all of the Benelon Australian equity components. And to make sure that you still do have some Australian equity component in your super fund, we're gonna put you in the BetaShares a 200, which is on the next page on the bottom of that table there. The BetaShares a 200 is actually a cheap yeah. It's actually a cheaper investment to have. They pay really good dividends, and they are there to track the top 200 companies on the ASX. So it's more of a passive fund. They're not trying to outperform against the market. They're participating in the market, but it saves you money and has shown greater performance over the past to make it worthwhile moving you out of and along and moving you into this investment. Okay? We're also keeping physical gold. You do have about 10% in there at the moment. Physical gold has done beautifully across everyone's portfolio. We wanna keep that. However, just wanna rebalance it back a little bit for you. So we'll be selling off some of the gains that it has made, cementing some of those gains, and reinvesting those for you in other areas. We just wanna hold about 60%. It's really important to kinda keep rebalancing your portfolio as well because you're in that growth exposure. And, realistically, if we don't rebalance the portfolio back, then some investments will grow more than others, which could leave you taking on more risk and leave you overexposed in certain areas. So making sure that we rebalance the portfolio back every so often is really important for making sure you're not taking on too much risk or taking on too little risk at the same time. Okay? We're also looking to keep the cybersecurity. Cybersecurity, your portfolio has been down a little bit. It has had a bit of a hit with what's been happening with Iran and The US, but we wanna keep it in there. It is still a really good investment to have, so we're just gonna rebalance it back a little bit before as I we're actually gonna buy a bit more of it and increase the level that you have. So while that has taken a little bit of a dip, when we're kinda rebalancing it back or buying some more into it, sorry, we'll be able to buy into the dip and try and get some great growth as we do sort of move out of the the dip with that investment there. We're also gonna keep you invested in the S and P five hundred. This is on the next page, on page 16 there. So the S and P five hundred is the top 500 companies in The US, and it's still a really good investment to have. I know a lot of people are quite square scared with what's happening between The US and Iran at the moment. But with the S and P 500, one of the benefits that's being invested in that is that you're tracking the top 500 companies. So you're following along with the S and P 500 index. And one of the cool things with the index is the investment committee that set up the indices, they actually meet every quarter, and they work out whether companies are eligible to remain in the S and P 500 index. And if they're not, they're removed out. And these sorts of investments like the iShares S and P 500 follow suit with that. So where companies are moved out of the index, they're also moved out of the S and P 500 iShares investment options. So you're always tracking the top 500 companies, and the companies within that investment option have been altered depending upon their eligibility to be part of the index or not. Okay? So this is a really good place to be. We do know even with what's happening in the short term with the volatile markets that over the longer term, the S and P 500 and The US market does provide great level of return. So it's really good to be invested in that area still. We are keeping the Van Ness property. Property has, in some areas, taken a bit of a hit, but it's still a good place to have diversification in your portfolio. We don't wanna just have Australian and US equities. We wanna make sure that we're diversifying across different asset classes, different industries, and different areas as well, and having a bit of property in there is really important for you. And then we've also got the beta shares Raffy Aussie two hundred. This is giving you exposure to some of the middle small cap companies there. So branch here to try and get a better, greater growth in other areas, but still making sure we're tracking Australian equities. So we're not overexposing you to Australian equities in any way, shape, or form. We're just kind of branching out to look at different areas. Okay? That's kind of a general oversight. Do you have any questions about any of those investments? I try to limit going into a lot of details because not everyone's that interested in them. But did you have any questions in your in that? Yeah. That's all good. Some some oh, good. I like to just go over them briefly and then find out sort of how much more you'd like to know. Some people go, yeah. That's enough. I'm over it. And some people go, no. Like, give me more. So it's all good. You do see the table underneath that. So with hub twenty four, we do have to keep a certain cash component. So with your portfolio, with the balance you have, we'll just make sure we keep a cash target of 1.25%, which is estimated to be just over $3,300 in there for you. Okay? That's essentially the portfolio and how it works in the major recommendations there. All in all, it works in your best interest because we're able to consolidate everything. Having everything in one place is there to save you money, but also make sure your super is working harder for you. Having one super fund is definitely gonna be easier than having the two, and it means you've had a lot of issues with ING over the past. So having everything in hub twenty four means that we can kinda consolidate and look at everything for you. And if you need anything, you just come to us, and we will help you deal with it all to make it 10 times easier for you. Okay? Okay. Yep. Yep. Yep. Yep. Yep. Yeah. Absolutely. Well, as soon as you sign the documents, I'll get the team to send out the choice of super form and the salary sacrifice letter for you. That way, realistically, all you need is a choice of super form, and you just pass it to your employer, and you just tell them to change your employer contributions and yourself back to that 24 fund, and they'll make sure that that happens for you. If I get those letters out as soon as you've signed the advice document, then you've got a bit of time in case they miss the next pay run. They've got a few after while we are getting the insurance transferred. And then once we have everything moved over, then we'll close-up the ING account to make it on nice and smooth line there for you. Okay? All good. I do like to be really honest and let you know there are CGT consequences for the recommendations. So because we are buying and selling and switching investments there, on the research I was able to do, we do estimate that the CGT consequence to your super fund is $254. So just like, yeah, so just like you do a tax return, your superfund does one as well. And have 20 four is just expected to pay $2.54 for CGT for the split of all those investments, which isn't too bad at all because some of them are down. At the moment, we're able to use some of the the lower investments that are seeing a bit of a downtime to offset some of the gains for what we're cementing as well. So it kind of works out really well. All good. Yeah. Absolutely. The only other part is I've put in there is just updating your beneficiary nominations. At the moment, we have it as a binding lapsing nomination. And, look, it's absolutely fine if you wanna keep it that way. But a binding lapsing nomination means that we have to update that cut of every three years. I am recommending that we update that nomination now just making sure Cameron is the beneficiary. I can see he is the beneficiary here currently. But then we can make it a binding non lapsing nomination, which binds the trustee to follow the direction. But a non lapsing nominee basically means that it stays there permanently. It doesn't have to be updated every three years. And because we do reviews with you every year, we check your nominations are still valid. And when and if you tell us they're no longer valid, we will help you and just make sure they get updated for you. Yeah. That's all good. Yep. Beautiful. I've also just made a recommendation just to make sure that you do have a will and power of attorney in place, and we can refer you to a solicitor. We're not lawyers, so we can't really set up those for you. However, we do refer you to a solicitor. Yeah. Yeah. Oh, good. Well, if you like, we can also send I'm not sure if I sent the the lawyer referral last time we spoke or not, but we can also send through some information to you just on a local solicitor here on the Gold Coast. There's a bit of a price on how much they cost to do offer will. They do them via email and everything as well, email, phone, but it also can be helpful just to start the conversation as well. Yep. Absolutely. I can organize that for you. I'll get my administration team member, Michelle, to organize that for you today to make sure you get that email through. But other than that, that's essentially the advice. It's a nice easy piece for you. Just wanted to kinda go through it, let you ask any questions that you do have. There's no upfront or implementation cost of the advice that we're providing. You're an ongoing service client, so we're providing advice to make sure that we're working with you and working towards your goals and providing advice in your best interest. Okay. Yeah. No. You are absolutely fine. I honestly really appreciate it. I love talking to you. Looking forward to seeing where we're going in the future and what we can definitely do. We'll get this sorted, and then we'll keep doing reviews and updating things as as your life changes. Oh, good. I'll let you go back and spend some time reading that one along, Rhianna. And if yeah. Once you're happy to sign it, I'll get you to sign and return it back, and my team will have it implemented, and we'll make sure we do some catch ups with you through the year. Thank you so much for your time. I hope you have a good afternoon. Thanks so much. See you later. 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Rhiannon. This is Dana from OQ Financial. How are you this afternoon? That's good. I had you booked in today just to run through some updated advice that I do have for you.\n\nIs now still a good time? Yep. Fantastic. How's your day been so far? Yeah?\n\nUh-huh. Fantastic. Rhiannon, before we jump into the call, just to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Lovely.\n\nAnd as to the security there with you as well, I'll just get you to confirm your full name, date of birth, and address I should have on file. Yep. Yep. Beautiful. Lovely.\n\nThank you so much. I actually sorry. You said Cambridge Street? Have you recently moved? No.\n\nThat's okay. I'll just have a quick look back on the other file and make sure. What was the last address I should have on file? Yep. That's the one I have here.\n\nThat's okay. I can update that for you. Can you just give me that new address? I'll make sure I update that, sir, after the call for you to make it easier. Sorry about that.\n\nYep. Yep. Okay. Oh, nice. Oh, that's fantastic.\n\nNo. Excellent. I know it's been a little bit time. I do apologize for the delay there. We've updated the advice there for you.\n\nYou and I kinda spoke last year about trying to maybe consolidate your super and looking at maybe transferring your insurance since everything's in one place. Yeah. Yeah. I had it all kinda ready to go early this year, but then I've kinda gone back with the changes in the market. I've also updated your portfolio for you as well because of what's been happening between your portfolio.\n\nI kinda wanted to do it all at once and show you what we wanna do. So instead of providing different advice documents so it took a bit longer, and I apologize for that. But I'll go through I'll go that's alright. I'll go through it all now with you. Do if I send this through to your email, do you have access to your emails?\n\nAre you able able to open the document there with me at all? Excellent. I've just sent that one through to you. That's absolutely perfect. Okay.\n\nIt's just that it's gone through, which is great. Beautiful. Beautiful. Now on the front page there, when you open the email, I do have at the very bottom a whole bunch of additional attachments for you for the research that we've conducted. To make it easier, if you're just looking at the document there, you press the sign button.\n\nIt lets you go in so you can kind of move up and down through the document there. Okay. Beautiful. Excellent. On the front page, it has note there that, yeah, we have prepared the document for yourself as of the 04/01/2026.\n\nOur documents are valid for sixty days from the date on the document there. However, if if things come up because you're busy, life gets in the way. If you do happen to sign this after the sixty days, it's not a problem at all. We just reconfirm your circumstances for you. The at the bottom there, it does have my representative number.\n\nSo I'm a licensed adviser with Assic, and my registration number is 1304394 for you. Okay? To sort of show you what the document is about, to kinda start, I guess, I'll just go through sort of where we're where we're looking at. So we are looking at superannuation. Obviously, you're looking at hoping to retire.\n\nWe noted around about the age of 60 there. When you get to that point at the time we last spoke, you're looking to draw an income of about $1,500 per week. So the advice is basically around looking to try and consolidate things for you, see if we can transfer your cover over, make things a bit cheaper, and save you a bit more money as well, as well as get your super working harder for you towards that goal in the future. Okay? We've scoped in insurances as well, just making sure that we can look to consolidate.\n\nWe've found a way to definitely do that for you, and we can download track books to get better, more retail cover. And then I've also scoped the new state planning side of things. So you're happy with your beneficiary, noting that it was Cameron. However, I have noted that you've got a binding lapsing nomination. So I have just made a recommendation to update that for you so you don't have to keep updating this nomination on a regular basis, and also taking into account the will and power of attorney information as well, just making sure that all of your estate planning is sorted for you.\n\nOkay? On page number five, we do outline some areas that we're not looking at the advice at the moment. So we don't have any income protection or trauma at the moment. When we last spoke, income protection wasn't a a big issue for you. You mentioned you had about three hundred hours of sick leave there.\n\nYou don't ever seem to get sick, which is a bonus to yourself. Oh, good. Yeah. Yeah. Oh, that's fantastic.\n\nThat's excellent. So we're not looking at income protection at the moment, and you don't have any trauma at the moment. Again, we're not looking at those sorts of options. That was something we had tried to get down the track. However, due to what was disclosed with regard to the drug use, that we have to kinda hold off around about twenty twenty seven, twenty eight.\n\nWe're able to look at new cover for you since this is what we're doing in the interim. And then you and I can keep touching base down the track to work out when we're able to look at more appropriate cover or if that's what you wanna do, and we can sort of take it from there and reupdate the advice as we go. Okay. Perfect. Now to kind of run through the recommendations, what I'll do is I'll go through a couple of pages where I need you to kinda touch on the recommendations, how and why we're making them, how this looks for you, and then I'll let you take the document back so you can have a really good read of it.\n\nOkay? To make things a bit easier for you, if you can there, Brianna, just scroll down to page number 18 for me. This is the table that kinda shows most around the the most detail around the recommendations. I'll run through it with you, then you'll get a chance to go back and read it all and take it all in. Perfect.\n\nSo this is a fee comparison table here. Now at the moment, you do have your hub twenty four and your I n g super accounts there with the updated balances between the both of them. And underneath that, you'll see you're paying administration fees, investment fees, any other fees applicable, our ongoing service fee, your contributions are going in. And you had your nonconcessional contributions pay changed to salary sacrifice. So that definitely makes things a bit easier for you down the track as well.\n\nAre you there? Sorry, Rhiannon. Sorry. I see I thought I just dropped out. No.\n\nYeah. You're alright. That's it. That's okay. I could hear a bit of a buzzing, so that's why I thought it dropped out.\n\nAll good. With your nonconcessional contributions, last time we spoke, you were having those changed to salary sacrifice. And with the updated statements we received, it looks like they have all changed. So you're doing your salary sacrifice now instead of that regular nonconcessional transfer in. Is that right?\n\nYep. Yep. Still the same way? Perfect. That'll definitely make things a little bit easier for you.\n\nI know there has been a bit of trouble with ING in claiming those. Yes. So this will make things a little bit easier for you as well. Okay? And at the moment with the ING insurance, you've got life and TPD, which is being paid out of there.\n\nYou're currently paying about $621 for that cover there at the moment. Between the two super funds, you are in a growth portfolio. That growth portfolio generally sees about 80% of your super investing growth assets. So we're looking at things like Australian and international shares, listed property, and also commodities like gold and silver. And then the other 20% is normally invested in defensive assets, so things like cash, bonds, and fixed interest.\n\nWith the three year rolling average of the current portfolio, you're in between the two funds. It's been averaging about 12.47%. What I am looking to recommend is that we do move you out of ING, and we can consolidate over to Hub twenty four. The way we're able to do this is we're able to transfer the insurances that you do have within ING over to Hub twenty four. So last year, we had a bit of a conversation.\n\nWe went through some questions and looked at the transfer terms questions, and then I went back and did a bit of research for you. And it turns out you are eligible to have that transfer terms cover. What that essentially means is the cover within ING stays exactly the same at the same level, and we transfer that into Hub 24. It actually is cheaper to do that and transfer the cover over. When we looked at the quote to transfer, it's actually saving you about $421 on a yearly basis to complete the transfer terms and transfer the cover into hub twenty four.\n\nAnd by doing that, you still retain the same level of cover of life and TPD. You'll pay a little bit less in premiums, and that allows us to close off the ING, consolidate everything, and move it into hub twenty four. So you'll end up with one super fund. Your insurances will be in hub twenty four to make it easier. We can then help you transfer your contributions, your salary sacrifice, and your employer contributions that are paid into hub twenty four to make it easier.\n\nAnd then we're gonna change your portfolio a little bit, and I'll show you what that looks like shortly. But by completing the consolidation and altering your portfolio, you'll also save about $90 for the first year in administration fees and about $303 for the year in investment fees as well. So it saves you quite a significant amount of fees by consolidating and transferring everything over. No. That's okay.\n\nYou're absolutely fine. Yeah. Yeah. The I n g super? Yeah.\n\nYeah. Yeah. Perfect. So this was just the last balance we were able to save. So what we do is before we do any of the rollovers, we'll reconfirm the balances and things like that.\n\nBut once we've got the way this will essentially work is we'll do the transfer of your insurance cover first. So we won't transfer any anything from ING until your insurances are transferred over. And then once your insurances are showing in hub twenty four as confirmed, then we'll complete the rollover from ING to hub twenty four, which will close off the close off the super and cancel insurance cover. And we'll make sure we give you the letter for sales tax and the employer contribution form so you can have all those moved over as well to make it nice and easy for you. Okay?\n\nPerfect. Yeah. All good. If you just go up slightly for me just to page number fifteen and sixteen, this is just sort of showing what we wanted to do to the portfolio. So I had kinda made mention that there were some changes that we wanted to make to your portfolio as well.\n\nSo we have sort of noted that some of the investments well, most has been doing really well, and your portfolio has increased quite significantly. Some of the underlying investments have been underperforming a little bit. So we wanted to maybe take the opportunity to also swap them out for you. Obviously, with closing of ING, we'll be selling all of those investors and moving the funds over for you. But within your hub twenty four super fund, we're also going to just rebalance that.\n\nThe battery and lithium tax has been performing quite well. It's still a really good investment to have in your portfolio. We're just gonna reduce that exposure back a little bit to 7% for you. With the Bennelong Australian Equities, that was put in your portfolio when you came on board originally as more of an actively managed managed fund. Their job was to try and outperform against the market, but, unfortunately, haven't been doing so, and they've been underperforming for you.\n\nSo we have gone back and reviewed that this year and wanted to remove that out of there for you. So we're gonna sell all of the Benelon Australian equity components. And to make sure that you still do have some Australian equity component in your super fund, we're gonna put you in the BetaShares a 200, which is on the next page on the bottom of that table there. The BetaShares a 200 is actually a cheap yeah. It's actually a cheaper investment to have.\n\nThey pay really good dividends, and they are there to track the top 200 companies on the ASX. So it's more of a passive fund. They're not trying to outperform against the market. They're participating in the market, but it saves you money and has shown greater performance over the past to make it worthwhile moving you out of and along and moving you into this investment. Okay?\n\nWe're also keeping physical gold. You do have about 10% in there at the moment. Physical gold has done beautifully across everyone's portfolio. We wanna keep that. However, just wanna rebalance it back a little bit for you.\n\nSo we'll be selling off some of the gains that it has made, cementing some of those gains, and reinvesting those for you in other areas. We just wanna hold about 60%. It's really important to kinda keep rebalancing your portfolio as well because you're in that growth exposure. And, realistically, if we don't rebalance the portfolio back, then some investments will grow more than others, which could leave you taking on more risk and leave you overexposed in certain areas. So making sure that we rebalance the portfolio back every so often is really important for making sure you're not taking on too much risk or taking on too little risk at the same time.\n\nOkay? We're also looking to keep the cybersecurity. Cybersecurity, your portfolio has been down a little bit. It has had a bit of a hit with what's been happening with Iran and The US, but we wanna keep it in there. It is still a really good investment to have, so we're just gonna rebalance it back a little bit before as I we're actually gonna buy a bit more of it and increase the level that you have.\n\nSo while that has taken a little bit of a dip, when we're kinda rebalancing it back or buying some more into it, sorry, we'll be able to buy into the dip and try and get some great growth as we do sort of move out of the the dip with that investment there. We're also gonna keep you invested in the S and P five hundred. This is on the next page, on page 16 there. So the S and P five hundred is the top 500 companies in The US, and it's still a really good investment to have. I know a lot of people are quite square scared with what's happening between The US and Iran at the moment.\n\nBut with the S and P 500, one of the benefits that's being invested in that is that you're tracking the top 500 companies. So you're following along with the S and P 500 index. And one of the cool things with the index is the investment committee that set up the indices, they actually meet every quarter, and they work out whether companies are eligible to remain in the S and P 500 index. And if they're not, they're removed out. And these sorts of investments like the iShares S and P 500 follow suit with that.\n\nSo where companies are moved out of the index, they're also moved out of the S and P 500 iShares investment options. So you're always tracking the top 500 companies, and the companies within that investment option have been altered depending upon their eligibility to be part of the index or not. Okay? So this is a really good place to be. We do know even with what's happening in the short term with the volatile markets that over the longer term, the S and P 500 and The US market does provide great level of return.\n\nSo it's really good to be invested in that area still. We are keeping the Van Ness property. Property has, in some areas, taken a bit of a hit, but it's still a good place to have diversification in your portfolio. We don't wanna just have Australian and US equities. We wanna make sure that we're diversifying across different asset classes, different industries, and different areas as well, and having a bit of property in there is really important for you.\n\nAnd then we've also got the beta shares Raffy Aussie two hundred. This is giving you exposure to some of the middle small cap companies there. So branch here to try and get a better, greater growth in other areas, but still making sure we're tracking Australian equities. So we're not overexposing you to Australian equities in any way, shape, or form. We're just kind of branching out to look at different areas.\n\nOkay? That's kind of a general oversight. Do you have any questions about any of those investments? I try to limit going into a lot of details because not everyone's that interested in them. But did you have any questions in your in that?\n\nYeah. That's all good. Some some oh, good. I like to just go over them briefly and then find out sort of how much more you'd like to know. Some people go, yeah.\n\nThat's enough. I'm over it. And some people go, no. Like, give me more. So it's all good.\n\nYou do see the table underneath that. So with hub twenty four, we do have to keep a certain cash component. So with your portfolio, with the balance you have, we'll just make sure we keep a cash target of 1.25%, which is estimated to be just over $3,300 in there for you. Okay? That's essentially the portfolio and how it works in the major recommendations there.\n\nAll in all, it works in your best interest because we're able to consolidate everything. Having everything in one place is there to save you money, but also make sure your super is working harder for you. Having one super fund is definitely gonna be easier than having the two, and it means you've had a lot of issues with ING over the past. So having everything in hub twenty four means that we can kinda consolidate and look at everything for you. And if you need anything, you just come to us, and we will help you deal with it all to make it 10 times easier for you.\n\nOkay? Okay. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Absolutely. Well, as soon as you sign the documents, I'll get the team to send out the choice of super form and the salary sacrifice letter for you.\n\nThat way, realistically, all you need is a choice of super form, and you just pass it to your employer, and you just tell them to change your employer contributions and yourself back to that 24 fund, and they'll make sure that that happens for you. If I get those letters out as soon as you've signed the advice document, then you've got a bit of time in case they miss the next pay run. They've got a few after while we are getting the insurance transferred. And then once we have everything moved over, then we'll close-up the ING account to make it on nice and smooth line there for you. Okay?\n\nAll good. I do like to be really honest and let you know there are CGT consequences for the recommendations. So because we are buying and selling and switching investments there, on the research I was able to do, we do estimate that the CGT consequence to your super fund is $254. So just like, yeah, so just like you do a tax return, your superfund does one as well. And have 20 four is just expected to pay $2.54 for CGT for the split of all those investments, which isn't too bad at all because some of them are down.\n\nAt the moment, we're able to use some of the the lower investments that are seeing a bit of a downtime to offset some of the gains for what we're cementing as well. So it kind of works out really well. All good. Yeah. Absolutely.\n\nThe only other part is I've put in there is just updating your beneficiary nominations. At the moment, we have it as a binding lapsing nomination. And, look, it's absolutely fine if you wanna keep it that way. But a binding lapsing nomination means that we have to update that cut of every three years. I am recommending that we update that nomination now just making sure Cameron is the beneficiary.\n\nI can see he is the beneficiary here currently. But then we can make it a binding non lapsing nomination, which binds the trustee to follow the direction. But a non lapsing nominee basically means that it stays there permanently. It doesn't have to be updated every three years. And because we do reviews with you every year, we check your nominations are still valid.\n\nAnd when and if you tell us they're no longer valid, we will help you and just make sure they get updated for you. Yeah. That's all good. Yep. Beautiful.\n\nI've also just made a recommendation just to make sure that you do have a will and power of attorney in place, and we can refer you to a solicitor. We're not lawyers, so we can't really set up those for you. However, we do refer you to a solicitor. Yeah. Yeah.\n\nOh, good. Well, if you like, we can also send I'm not sure if I sent the the lawyer referral last time we spoke or not, but we can also send through some information to you just on a local solicitor here on the Gold Coast. There's a bit of a price on how much they cost to do offer will. They do them via email and everything as well, email, phone, but it also can be helpful just to start the conversation as well. Yep.\n\nAbsolutely. I can organize that for you. I'll get my administration team member, Michelle, to organize that for you today to make sure you get that email through. But other than that, that's essentially the advice. It's a nice easy piece for you.\n\nJust wanted to kinda go through it, let you ask any questions that you do have. There's no upfront or implementation cost of the advice that we're providing. You're an ongoing service client, so we're providing advice to make sure that we're working with you and working towards your goals and providing advice in your best interest. Okay. Yeah.\n\nNo. You are absolutely fine. I honestly really appreciate it. I love talking to you. Looking forward to seeing where we're going in the future and what we can definitely do.\n\nWe'll get this sorted, and then we'll keep doing reviews and updating things as as your life changes. Oh, good. I'll let you go back and spend some time reading that one along, Rhianna. And if yeah. Once you're happy to sign it, I'll get you to sign and return it back, and my team will have it implemented, and we'll make sure we do some catch ups with you through the year.\n\nThank you so much for your time. I hope you have a good afternoon. Thanks so much. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Rhiannon.","start":3.84,"end":4.4,"sentiment":"neutral","sentiment_score":0.15973300486803055},{"text":"This is Dana from OQ Financial.","start":4.4,"end":6.0,"sentiment":"neutral","sentiment_score":0.17407990247011185},{"text":"How are you this afternoon?","start":6.0,"end":7.14,"sentiment":"neutral","sentiment_score":0.22216372191905975},{"text":"That's good.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.7174172699451447},{"text":"I had you booked in today just to run through some updated advice that I do have for you.","start":9.679999,"end":13.44,"sentiment":"neutral","sentiment_score":0.31879207805583354}],"sentiment":"neutral","sentiment_score":0.29313670756185756,"num_words":34,"start":3.84,"end":13.44},{"sentences":[{"text":"Is now still a good time?","start":13.44,"end":14.9,"sentiment":"neutral","sentiment_score":0.2388020952542623},{"text":"Yep.","start":16.595,"end":17.075,"sentiment":"neutral","sentiment_score":0.1770360767841339},{"text":"Fantastic.","start":17.075,"end":17.575,"sentiment":"positive","sentiment_score":0.5634950399398804},{"text":"How's your day been so far?","start":17.955,"end":19.654999,"sentiment":"neutral","sentiment_score":0.30404962102572125},{"text":"Yeah?","start":23.395,"end":23.895,"sentiment":"neutral","sentiment_score":0.10810251533985138}],"sentiment":"neutral","sentiment_score":0.27371626198291776,"num_words":15,"start":13.44,"end":23.895},{"sentences":[{"text":"Uh-huh.","start":24.595,"end":24.994999,"sentiment":"neutral","sentiment_score":0.17423154413700104},{"text":"Fantastic.","start":24.994999,"end":25.494999,"sentiment":"positive","sentiment_score":0.579119086265564},{"text":"Rhiannon, before we jump into the call, just to let you know we do record our calls moving forward for training and quality purposes.","start":26.355,"end":31.17,"sentiment":"neutral","sentiment_score":0.2703973564008872},{"text":"Are you happy for me to proceed with that?","start":31.17,"end":33.03,"sentiment":"neutral","sentiment_score":0.26353180242909324},{"text":"Lovely.","start":34.85,"end":35.17,"sentiment":"neutral","sentiment_score":0.2940506935119629}],"sentiment":"neutral","sentiment_score":0.2752423360943794,"num_words":36,"start":24.595,"end":35.17},{"sentences":[{"text":"And as to the security there with you as well, I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":35.17,"end":40.55,"sentiment":"neutral","sentiment_score":0.13276712673491445},{"text":"Yep.","start":47.665,"end":48.165,"sentiment":"neutral","sentiment_score":0.03804449737071991},{"text":"Yep.","start":48.704998,"end":49.025,"sentiment":"neutral","sentiment_score":0.023952288553118702},{"text":"Beautiful.","start":49.025,"end":49.525,"sentiment":"neutral","sentiment_score":0.3004317283630371},{"text":"Lovely.","start":49.985,"end":50.465,"sentiment":"positive","sentiment_score":0.36249688267707825}],"sentiment":"neutral","sentiment_score":0.1386415779477719,"num_words":33,"start":35.17,"end":50.465},{"sentences":[{"text":"Thank you so much.","start":50.465,"end":51.684998,"sentiment":"positive","sentiment_score":0.40125836431980133},{"text":"I actually sorry.","start":52.385,"end":53.665,"sentiment":"neutral","sentiment_score":-0.016910769045352936},{"text":"You said Cambridge Street?","start":53.665,"end":55.285,"sentiment":"neutral","sentiment_score":-0.02211100608110428},{"text":"Have you recently moved?","start":58.030003,"end":59.41,"sentiment":"neutral","sentiment_score":-0.017310927156358957},{"text":"No.","start":62.670002,"end":62.91,"sentiment":"neutral","sentiment_score":-0.06553670018911362}],"sentiment":"neutral","sentiment_score":0.08319229481276125,"num_words":16,"start":50.465,"end":62.91},{"sentences":[{"text":"That's okay.","start":62.91,"end":63.63,"sentiment":"neutral","sentiment_score":-0.034010738134384155},{"text":"I'll just have a quick look back on the other file and make sure.","start":63.63,"end":67.81,"sentiment":"neutral","sentiment_score":0.005661547849220889},{"text":"What was the last address I should have on file?","start":68.75,"end":71.090004,"sentiment":"neutral","sentiment_score":-0.000899660773575306},{"text":"Yep.","start":78.795006,"end":79.115005,"sentiment":"neutral","sentiment_score":0.031948208808898926},{"text":"That's the one I have here.","start":79.115005,"end":80.235,"sentiment":"neutral","sentiment_score":0.03219331738849481}],"sentiment":"neutral","sentiment_score":0.006889445424982996,"num_words":33,"start":62.91,"end":80.235},{"sentences":[{"text":"That's okay.","start":80.235,"end":80.795006,"sentiment":"neutral","sentiment_score":0.06499685905873775},{"text":"I can update that for you.","start":80.795006,"end":82.15501,"sentiment":"neutral","sentiment_score":0.06647369700173537},{"text":"Can you just give me that new address?","start":82.15501,"end":83.595,"sentiment":"neutral","sentiment_score":0.032709377352148294},{"text":"I'll make sure I update that, sir, after the call for you to make it easier.","start":83.595,"end":87.05545,"sentiment":"neutral","sentiment_score":0.06039842730388045},{"text":"Sorry about that.","start":87.05545,"end":87.57,"sentiment":"neutral","sentiment_score":-0.08042187243700027}],"sentiment":"neutral","sentiment_score":0.04330343252846173,"num_words":35,"start":80.235,"end":87.57},{"sentences":[{"text":"Yep.","start":91.229996,"end":91.729996,"sentiment":"neutral","sentiment_score":0.01202930323779583},{"text":"Yep.","start":96.67,"end":97.17,"sentiment":"neutral","sentiment_score":0.015739934518933296},{"text":"Okay.","start":102.085,"end":102.585,"sentiment":"neutral","sentiment_score":0.07262589782476425},{"text":"Oh, nice.","start":102.645,"end":103.465,"sentiment":"neutral","sentiment_score":0.19454246014356613},{"text":"Oh, that's fantastic.","start":105.845,"end":106.985,"sentiment":"positive","sentiment_score":0.4602597753206889}],"sentiment":"neutral","sentiment_score":0.23378242272883654,"num_words":8,"start":91.229996,"end":106.985},{"sentences":[{"text":"No.","start":107.284996,"end":107.604996,"sentiment":"neutral","sentiment_score":0.14517821371555328},{"text":"Excellent.","start":107.604996,"end":108.104996,"sentiment":"neutral","sentiment_score":0.09799852222204208},{"text":"I know it's been a little bit time.","start":108.805,"end":110.03999,"sentiment":"neutral","sentiment_score":-0.0532468524761498},{"text":"I do apologize for the delay there.","start":110.03999,"end":111.6,"sentiment":"neutral","sentiment_score":-0.1360115824001176},{"text":"We've updated the advice there for you.","start":111.6,"end":113.6,"sentiment":"neutral","sentiment_score":0.0449735942695822}],"sentiment":"neutral","sentiment_score":-0.034169333366056286,"num_words":24,"start":107.284996,"end":113.6},{"sentences":[{"text":"You and I kinda spoke last year about trying to maybe consolidate your super and looking at maybe transferring your insurance since everything's in one place.","start":113.6,"end":120.18,"sentiment":"neutral","sentiment_score":0.018920214285921808},{"text":"Yeah.","start":120.799995,"end":121.299995,"sentiment":"neutral","sentiment_score":0.02410253509879112},{"text":"Yeah.","start":121.52,"end":122.02,"sentiment":"neutral","sentiment_score":0.03545862436294556},{"text":"I had it all kinda ready to go early this year, but then I've kinda gone back with the changes in the market.","start":122.32,"end":126.965,"sentiment":"neutral","sentiment_score":0.05805068171542624},{"text":"I've also updated your portfolio for you as well because of what's been happening between your portfolio.","start":126.965,"end":132.565,"sentiment":"neutral","sentiment_score":0.09371952865930165}],"sentiment":"neutral","sentiment_score":0.05117477055233287,"num_words":68,"start":113.6,"end":132.565},{"sentences":[{"text":"I kinda wanted to do it all at once and show you what we wanna do.","start":132.565,"end":135.285,"sentiment":"neutral","sentiment_score":0.1626914730295539},{"text":"So instead of providing different advice documents so it took a bit longer, and I apologize for that.","start":135.285,"end":139.98,"sentiment":"neutral","sentiment_score":-0.08916663047340181},{"text":"But I'll go through I'll go that's alright.","start":140.54,"end":144.15999,"sentiment":"neutral","sentiment_score":0.019511076854541898},{"text":"I'll go through it all now with you.","start":144.22,"end":146.31999,"sentiment":"neutral","sentiment_score":0.10816723294556141},{"text":"Do if I send this through to your email, do you have access to your emails?","start":146.37999,"end":149.65999,"sentiment":"neutral","sentiment_score":0.023047183000016958}],"sentiment":"neutral","sentiment_score":0.03618553979322314,"num_words":66,"start":132.565,"end":149.65999},{"sentences":[{"text":"Are you able able to open the document there with me at all?","start":149.65999,"end":152.775,"sentiment":"neutral","sentiment_score":0.02687471671603047},{"text":"Excellent.","start":155.25499,"end":155.735,"sentiment":"positive","sentiment_score":0.5911270380020142},{"text":"I've just sent that one through to you.","start":155.735,"end":157.655,"sentiment":"positive","sentiment_score":0.5412042811512947},{"text":"That's absolutely perfect.","start":157.655,"end":159.03499,"sentiment":"positive","sentiment_score":0.729291299978892},{"text":"Okay.","start":161.89499,"end":162.295,"sentiment":"positive","sentiment_score":0.46261587738990784}],"sentiment":"neutral","sentiment_score":0.3046393223787443,"num_words":26,"start":149.65999,"end":162.295},{"sentences":[{"text":"It's just that it's gone through, which is great.","start":162.295,"end":164.875,"sentiment":"positive","sentiment_score":0.47640764713287354},{"text":"Beautiful.","start":170.02,"end":170.52,"sentiment":"positive","sentiment_score":0.6270440816879272},{"text":"Beautiful.","start":170.74,"end":171.24,"sentiment":"positive","sentiment_score":0.5384714007377625},{"text":"Now on the front page there, when you open the email, I do have at the very bottom a whole bunch of additional attachments for you for the research that we've conducted.","start":171.38,"end":178.36,"sentiment":"neutral","sentiment_score":0.18177642673254013},{"text":"To make it easier, if you're just looking at the document there, you press the sign button.","start":179.78499,"end":183.385,"sentiment":"neutral","sentiment_score":0.1464908127399052}],"sentiment":"neutral","sentiment_score":0.22933956297735372,"num_words":60,"start":162.295,"end":183.385},{"sentences":[{"text":"It lets you go in so you can kind of move up and down through the document there.","start":183.385,"end":187.245,"sentiment":"neutral","sentiment_score":0.136778198596504},{"text":"Okay.","start":187.305,"end":187.805,"sentiment":"neutral","sentiment_score":0.09601330757141112},{"text":"Beautiful.","start":189.465,"end":189.965,"sentiment":"positive","sentiment_score":0.4289101958274842},{"text":"Excellent.","start":190.92,"end":191.4,"sentiment":"positive","sentiment_score":0.3586488962173462},{"text":"On the front page, it has note there that, yeah, we have prepared the document for yourself as of the 04/01/2026.","start":191.4,"end":197.65999,"sentiment":"neutral","sentiment_score":0.1299676721294721}],"sentiment":"neutral","sentiment_score":0.14464050212076732,"num_words":42,"start":183.385,"end":197.65999},{"sentences":[{"text":"Our documents are valid for sixty days from the date on the document there.","start":197.79999,"end":201.0,"sentiment":"neutral","sentiment_score":0.09853895833449704},{"text":"However, if if things come up because you're busy, life gets in the way.","start":201.0,"end":205.47499,"sentiment":"neutral","sentiment_score":-0.1547074280679226},{"text":"If you do happen to sign this after the sixty days, it's not a problem at all.","start":205.775,"end":209.055,"sentiment":"positive","sentiment_score":0.41091590593842897},{"text":"We just reconfirm your circumstances for you.","start":209.055,"end":211.635,"sentiment":"neutral","sentiment_score":0.33093285986355375},{"text":"The at the bottom there, it does have my representative number.","start":212.81499,"end":215.45499,"sentiment":"neutral","sentiment_score":0.22433129156177695}],"sentiment":"neutral","sentiment_score":0.1743394611255517,"num_words":63,"start":197.79999,"end":215.45499},{"sentences":[{"text":"So I'm a licensed adviser with Assic, and my registration number is 1304394 for you.","start":215.45499,"end":221.32,"sentiment":"neutral","sentiment_score":0.15391215781370798},{"text":"Okay?","start":221.32,"end":221.82,"sentiment":"neutral","sentiment_score":0.10065585374832152},{"text":"To sort of show you what the document is about, to kinda start, I guess, I'll just go through sort of where we're where we're looking at.","start":223.8,"end":229.72,"sentiment":"neutral","sentiment_score":0.09374918512724063},{"text":"So we are looking at superannuation.","start":229.72,"end":231.1,"sentiment":"neutral","sentiment_score":0.06335172926386197},{"text":"Obviously, you're looking at hoping to retire.","start":231.8,"end":234.03499,"sentiment":"neutral","sentiment_score":0.06364184990525246}],"sentiment":"neutral","sentiment_score":0.10296731329123888,"num_words":56,"start":215.45499,"end":234.03499},{"sentences":[{"text":"We noted around about the age of 60 there.","start":234.03499,"end":236.19499,"sentiment":"neutral","sentiment_score":0.054319812191857234},{"text":"When you get to that point at the time we last spoke, you're looking to draw an income of about $1,500 per week.","start":236.19499,"end":242.135,"sentiment":"neutral","sentiment_score":0.059794958194960716},{"text":"So the advice is basically around looking to try and consolidate things for you, see if we can transfer your cover over, make things a bit cheaper, and save you a bit more money as well, as well as get your super working harder for you towards that goal in the future.","start":242.19499,"end":255.40001,"sentiment":"positive","sentiment_score":0.39699879775826746},{"text":"Okay?","start":255.54001,"end":256.04,"sentiment":"neutral","sentiment_score":0.19228218495845795},{"text":"We've scoped in insurances as well, just making sure that we can look to consolidate.","start":257.54,"end":261.64,"sentiment":"neutral","sentiment_score":0.2876464684804281}],"sentiment":"neutral","sentiment_score":0.270150790438056,"num_words":100,"start":234.03499,"end":261.64},{"sentences":[{"text":"We've found a way to definitely do that for you, and we can download track books to get better, more retail cover.","start":261.7,"end":267.535,"sentiment":"positive","sentiment_score":0.45694433559070935},{"text":"And then I've also scoped the new state planning side of things.","start":267.995,"end":270.63498,"sentiment":"neutral","sentiment_score":0.25691281507412594},{"text":"So you're happy with your beneficiary, noting that it was Cameron.","start":270.63498,"end":273.935,"sentiment":"positive","sentiment_score":0.5508921471509066},{"text":"However, I have noted that you've got a binding lapsing nomination.","start":274.07498,"end":277.215,"sentiment":"neutral","sentiment_score":0.18156455660408194},{"text":"So I have just made a recommendation to update that for you so you don't have to keep updating this nomination on a regular basis, and also taking into account the will and power of attorney information as well, just making sure that all of your estate planning is sorted for you.","start":277.275,"end":292.03998,"sentiment":"neutral","sentiment_score":0.2163054280412885}],"sentiment":"neutral","sentiment_score":0.30037625151237957,"num_words":108,"start":261.7,"end":292.03998},{"sentences":[{"text":"Okay?","start":292.03998,"end":292.53998,"sentiment":"neutral","sentiment_score":0.04224812611937523},{"text":"On page number five, we do outline some areas that we're not looking at the advice at the moment.","start":294.695,"end":299.095,"sentiment":"neutral","sentiment_score":-0.10665531025121086},{"text":"So we don't have any income protection or trauma at the moment.","start":299.095,"end":302.315,"sentiment":"negative","sentiment_score":-0.341707410911719},{"text":"When we last spoke, income protection wasn't a a big issue for you.","start":302.775,"end":306.47,"sentiment":"neutral","sentiment_score":-0.22176413123424238},{"text":"You mentioned you had about three hundred hours of sick leave there.","start":306.47,"end":309.61002,"sentiment":"neutral","sentiment_score":-0.20117291063070297}],"sentiment":"neutral","sentiment_score":-0.19967895321417273,"num_words":57,"start":292.03998,"end":309.61002},{"sentences":[{"text":"You don't ever seem to get sick, which is a bonus to yourself.","start":309.91,"end":313.21002,"sentiment":"positive","sentiment_score":0.48188887536525726},{"text":"Oh, good.","start":316.965,"end":318.985,"sentiment":"positive","sentiment_score":0.5656248331069946},{"text":"Yeah.","start":319.285,"end":319.785,"sentiment":"neutral","sentiment_score":0.10815513134002686},{"text":"Yeah.","start":325.845,"end":326.345,"sentiment":"neutral","sentiment_score":0.14469176530838013},{"text":"Oh, that's fantastic.","start":327.925,"end":328.985,"sentiment":"positive","sentiment_score":0.5898093978563944}],"sentiment":"positive","sentiment_score":0.4709040068089962,"num_words":20,"start":309.91,"end":328.985},{"sentences":[{"text":"That's excellent.","start":329.365,"end":330.185,"sentiment":"positive","sentiment_score":0.7341682612895966},{"text":"So we're not looking at income protection at the moment, and you don't have any trauma at the moment.","start":331.22,"end":335.54,"sentiment":"neutral","sentiment_score":-0.07327312015389141},{"text":"Again, we're not looking at those sorts of options.","start":335.54,"end":337.38,"sentiment":"neutral","sentiment_score":-0.06459775980975893},{"text":"That was something we had tried to get down the track.","start":337.38,"end":339.8,"sentiment":"neutral","sentiment_score":-0.07445258579470894},{"text":"However, due to what was disclosed with regard to the drug use, that we have to kinda hold off around about twenty twenty seven, twenty eight.","start":340.1,"end":346.64502,"sentiment":"neutral","sentiment_score":-0.03666024789429055}],"sentiment":"neutral","sentiment_score":-0.03399070877053622,"num_words":67,"start":329.365,"end":346.64502},{"sentences":[{"text":"We're able to look at new cover for you since this is what we're doing in the interim.","start":346.64502,"end":350.005,"sentiment":"neutral","sentiment_score":0.06258371389574474},{"text":"And then you and I can keep touching base down the track to work out when we're able to look at more appropriate cover or if that's what you wanna do, and we can sort of take it from there and reupdate the advice as we go.","start":350.005,"end":360.54,"sentiment":"neutral","sentiment_score":0.05751554909697239},{"text":"Okay.","start":360.54,"end":361.04,"sentiment":"neutral","sentiment_score":0.10803630948066711},{"text":"Perfect.","start":362.62003,"end":363.12003,"sentiment":"neutral","sentiment_score":0.3130263388156891},{"text":"Now to kind of run through the recommendations, what I'll do is I'll go through a couple of pages where I need you to kinda touch on the recommendations, how and why we're making them, how this looks for you, and then I'll let you take the document back so you can have a really good read of it.","start":363.98,"end":377.085,"sentiment":"neutral","sentiment_score":0.13988614726369664}],"sentiment":"neutral","sentiment_score":0.09923875392488545,"num_words":126,"start":346.64502,"end":377.085},{"sentences":[{"text":"Okay?","start":377.085,"end":377.585,"sentiment":"neutral","sentiment_score":0.09165553003549576},{"text":"To make things a bit easier for you, if you can there, Brianna, just scroll down to page number 18 for me.","start":379.725,"end":385.245,"sentiment":"neutral","sentiment_score":0.11921499838883226},{"text":"This is the table that kinda shows most around the the most detail around the recommendations.","start":385.245,"end":390.11,"sentiment":"neutral","sentiment_score":0.10068406676873565},{"text":"I'll run through it with you, then you'll get a chance to go back and read it all and take it all in.","start":390.33,"end":394.66998,"sentiment":"neutral","sentiment_score":0.14303279279366785},{"text":"Perfect.","start":397.945,"end":398.445,"sentiment":"positive","sentiment_score":0.35645028948783875}],"sentiment":"neutral","sentiment_score":0.12653230296240914,"num_words":63,"start":377.085,"end":398.445},{"sentences":[{"text":"So this is a fee comparison table here.","start":398.825,"end":400.905,"sentiment":"neutral","sentiment_score":0.10644841194152832},{"text":"Now at the moment, you do have your hub twenty four and your I n g super accounts there with the updated balances between the both of them.","start":400.905,"end":407.325,"sentiment":"neutral","sentiment_score":0.06829295347311667},{"text":"And underneath that, you'll see you're paying administration fees, investment fees, any other fees applicable, our ongoing service fee, your contributions are going in.","start":407.70502,"end":415.81,"sentiment":"neutral","sentiment_score":0.11124439102907975},{"text":"And you had your nonconcessional contributions pay changed to salary sacrifice.","start":416.03,"end":420.29,"sentiment":"neutral","sentiment_score":0.16274830428036777},{"text":"So that definitely makes things a bit easier for you down the track as well.","start":420.35,"end":423.89,"sentiment":"positive","sentiment_score":0.46577487190564476}],"sentiment":"neutral","sentiment_score":0.16523848608309447,"num_words":86,"start":398.825,"end":423.89},{"sentences":[{"text":"Are you there?","start":428.205,"end":428.685,"sentiment":"neutral","sentiment_score":0.04616527880231539},{"text":"Sorry, Rhiannon.","start":428.685,"end":429.32498,"sentiment":"neutral","sentiment_score":-0.03549028933048248},{"text":"Sorry.","start":429.32498,"end":429.565,"sentiment":"neutral","sentiment_score":-0.045793674886226654},{"text":"I see I thought I just dropped out.","start":429.565,"end":431.005,"sentiment":"neutral","sentiment_score":-0.13684139912948012},{"text":"No.","start":431.005,"end":431.505,"sentiment":"neutral","sentiment_score":-0.14139923453330994}],"sentiment":"neutral","sentiment_score":-0.0809605896472931,"num_words":15,"start":428.205,"end":431.505},{"sentences":[{"text":"Yeah.","start":432.925,"end":433.245,"sentiment":"neutral","sentiment_score":-0.012900637462735176},{"text":"You're alright.","start":433.245,"end":433.88498,"sentiment":"neutral","sentiment_score":-0.008586513344198465},{"text":"That's it.","start":433.88498,"end":434.625,"sentiment":"neutral","sentiment_score":0.020077964290976524},{"text":"That's okay.","start":434.845,"end":435.485,"sentiment":"neutral","sentiment_score":0.07884931564331055},{"text":"I could hear a bit of a buzzing, so that's why I thought it dropped out.","start":435.485,"end":438.45,"sentiment":"neutral","sentiment_score":-0.04867254989221692}],"sentiment":"neutral","sentiment_score":-0.026564343589479508,"num_words":23,"start":432.925,"end":438.45},{"sentences":[{"text":"All good.","start":440.29,"end":440.95,"sentiment":"positive","sentiment_score":0.33771467208862305},{"text":"With your nonconcessional contributions, last time we spoke, you were having those changed to salary sacrifice.","start":441.25,"end":446.31,"sentiment":"neutral","sentiment_score":0.062359043629840016},{"text":"And with the updated statements we received, it looks like they have all changed.","start":446.37003,"end":449.65002,"sentiment":"neutral","sentiment_score":0.11240952408739499},{"text":"So you're doing your salary sacrifice now instead of that regular nonconcessional transfer in.","start":449.65002,"end":455.305,"sentiment":"neutral","sentiment_score":0.053876678592392375},{"text":"Is that right?","start":455.305,"end":456.10498,"sentiment":"neutral","sentiment_score":0.06983773037791252}],"sentiment":"neutral","sentiment_score":0.08593253205929484,"num_words":49,"start":440.29,"end":456.10498},{"sentences":[{"text":"Yep.","start":456.10498,"end":456.585,"sentiment":"neutral","sentiment_score":0.04996311292052269},{"text":"Yep.","start":456.585,"end":457.085,"sentiment":"neutral","sentiment_score":0.07063978910446167},{"text":"Still the same way?","start":457.54498,"end":458.425,"sentiment":"neutral","sentiment_score":0.12051280587911606},{"text":"Perfect.","start":458.425,"end":458.925,"sentiment":"positive","sentiment_score":0.6117976903915405},{"text":"That'll definitely make things a little bit easier for you.","start":459.145,"end":461.22498,"sentiment":"positive","sentiment_score":0.6098992466926575}],"sentiment":"positive","sentiment_score":0.430202604874092,"num_words":17,"start":456.10498,"end":461.22498},{"sentences":[{"text":"I know there has been a bit of trouble with ING in claiming those.","start":461.22498,"end":464.28497,"sentiment":"neutral","sentiment_score":-0.11993817426264286},{"text":"Yes.","start":464.50497,"end":464.905,"sentiment":"neutral","sentiment_score":0.06426896899938583},{"text":"So this will make things a little bit easier for you as well.","start":464.905,"end":468.025,"sentiment":"neutral","sentiment_score":0.22250724755800688},{"text":"Okay?","start":468.025,"end":468.525,"sentiment":"neutral","sentiment_score":0.056093648076057434},{"text":"And at the moment with the ING insurance, you've got life and TPD, which is being paid out of there.","start":469.92,"end":474.48,"sentiment":"neutral","sentiment_score":-0.01124669834971428}],"sentiment":"neutral","sentiment_score":0.022630376095066265,"num_words":49,"start":461.22498,"end":474.48},{"sentences":[{"text":"You're currently paying about $621 for that cover there at the moment.","start":474.48,"end":478.42,"sentiment":"neutral","sentiment_score":-0.022622731203834217},{"text":"Between the two super funds, you are in a growth portfolio.","start":479.12,"end":482.04498,"sentiment":"neutral","sentiment_score":0.006399202245202931},{"text":"That growth portfolio generally sees about 80% of your super investing growth assets.","start":482.04498,"end":486.84497,"sentiment":"neutral","sentiment_score":0.030775142690310113},{"text":"So we're looking at things like Australian and international shares, listed property, and also commodities like gold and silver.","start":486.84497,"end":492.54498,"sentiment":"neutral","sentiment_score":0.034056787232035084},{"text":"And then the other 20% is normally invested in defensive assets, so things like cash, bonds, and fixed interest.","start":492.76498,"end":498.55,"sentiment":"neutral","sentiment_score":0.021129930686009556}],"sentiment":"neutral","sentiment_score":0.016858688454974343,"num_words":74,"start":474.48,"end":498.55},{"sentences":[{"text":"With the three year rolling average of the current portfolio, you're in between the two funds.","start":499.33,"end":503.41,"sentiment":"neutral","sentiment_score":-0.004095295851584524},{"text":"It's been averaging about 12.47%.","start":503.41,"end":506.23,"sentiment":"neutral","sentiment_score":-0.024755287542939187},{"text":"What I am looking to recommend is that we do move you out of ING, and we can consolidate over to Hub twenty four.","start":507.09,"end":513.855,"sentiment":"neutral","sentiment_score":-0.03962007941057285},{"text":"The way we're able to do this is we're able to transfer the insurances that you do have within ING over to Hub twenty four.","start":514.635,"end":521.675,"sentiment":"neutral","sentiment_score":0.16001228123903274},{"text":"So last year, we had a bit of a conversation.","start":521.675,"end":523.675,"sentiment":"neutral","sentiment_score":0.12989313676953315}],"sentiment":"neutral","sentiment_score":0.05198819151846692,"num_words":80,"start":499.33,"end":523.675},{"sentences":[{"text":"We went through some questions and looked at the transfer terms questions, and then I went back and did a bit of research for you.","start":523.675,"end":529.79,"sentiment":"neutral","sentiment_score":0.10064718753099441},{"text":"And it turns out you are eligible to have that transfer terms cover.","start":529.79,"end":533.41,"sentiment":"neutral","sentiment_score":0.13670232548163488},{"text":"What that essentially means is the cover within ING stays exactly the same at the same level, and we transfer that into Hub 24.","start":533.55,"end":541.17,"sentiment":"neutral","sentiment_score":0.13873003671566644},{"text":"It actually is cheaper to do that and transfer the cover over.","start":541.55,"end":544.905,"sentiment":"neutral","sentiment_score":0.22734768688678741},{"text":"When we looked at the quote to transfer, it's actually saving you about $421 on a yearly basis to complete the transfer terms and transfer the cover into hub twenty four.","start":545.125,"end":554.49,"sentiment":"neutral","sentiment_score":0.27546316721747}],"sentiment":"neutral","sentiment_score":0.17990820216281073,"num_words":105,"start":523.675,"end":554.49},{"sentences":[{"text":"And by doing that, you still retain the same level of cover of life and TPD.","start":554.89,"end":558.43,"sentiment":"neutral","sentiment_score":0.25209302827715874},{"text":"You'll pay a little bit less in premiums, and that allows us to close off the ING, consolidate everything, and move it into hub twenty four.","start":558.81,"end":565.61,"sentiment":"neutral","sentiment_score":0.2585358671270884},{"text":"So you'll end up with one super fund.","start":565.61,"end":567.525,"sentiment":"positive","sentiment_score":0.3442328907549381},{"text":"Your insurances will be in hub twenty four to make it easier.","start":568.005,"end":570.745,"sentiment":"neutral","sentiment_score":0.2962216871480147},{"text":"We can then help you transfer your contributions, your salary sacrifice, and your employer contributions that are paid into hub twenty four to make it easier.","start":571.125,"end":579.465,"sentiment":"neutral","sentiment_score":0.24460464658645484}],"sentiment":"neutral","sentiment_score":0.26617801341820846,"num_words":88,"start":554.89,"end":579.465},{"sentences":[{"text":"And then we're gonna change your portfolio a little bit, and I'll show you what that looks like shortly.","start":580.01996,"end":584.19995,"sentiment":"neutral","sentiment_score":0.16603363501398186},{"text":"But by completing the consolidation and altering your portfolio, you'll also save about $90 for the first year in administration fees and about $303 for the year in investment fees as well.","start":584.66,"end":597.78503,"sentiment":"neutral","sentiment_score":0.25992838433012366},{"text":"So it saves you quite a significant amount of fees by consolidating and transferring everything over.","start":597.78503,"end":602.925,"sentiment":"neutral","sentiment_score":0.2572410823777318},{"text":"No.","start":609.32,"end":609.48004,"sentiment":"neutral","sentiment_score":0.01246866211295128},{"text":"That's okay.","start":609.48004,"end":610.2,"sentiment":"neutral","sentiment_score":0.09847795963287354}],"sentiment":"neutral","sentiment_score":0.22568041804645741,"num_words":70,"start":580.01996,"end":610.2},{"sentences":[{"text":"You're absolutely fine.","start":610.2,"end":611.5,"sentiment":"neutral","sentiment_score":0.22390391925970712},{"text":"Yeah.","start":617.975,"end":618.475,"sentiment":"neutral","sentiment_score":-0.006655216217041016},{"text":"Yeah.","start":621.535,"end":622.035,"sentiment":"neutral","sentiment_score":-0.010979301296174526},{"text":"The I n g super?","start":625.095,"end":626.315,"sentiment":"neutral","sentiment_score":0.009566562063992024},{"text":"Yeah.","start":627.095,"end":627.595,"sentiment":"neutral","sentiment_score":0.026033353060483932}],"sentiment":"neutral","sentiment_score":0.06617667305875909,"num_words":11,"start":610.2,"end":627.595},{"sentences":[{"text":"Yeah.","start":629.175,"end":629.675,"sentiment":"neutral","sentiment_score":0.024234525859355927},{"text":"Yeah.","start":629.81,"end":630.13,"sentiment":"neutral","sentiment_score":0.1191197633743286},{"text":"Perfect.","start":630.13,"end":630.63,"sentiment":"positive","sentiment_score":0.41966694593429565},{"text":"So this was just the last balance we were able to save.","start":630.76996,"end":633.91,"sentiment":"neutral","sentiment_score":0.10393642447888851},{"text":"So what we do is before we do any of the rollovers, we'll reconfirm the balances and things like that.","start":634.13,"end":639.11,"sentiment":"neutral","sentiment_score":0.024719601031392813}],"sentiment":"neutral","sentiment_score":0.06584715284407139,"num_words":35,"start":629.175,"end":639.11},{"sentences":[{"text":"But once we've got the way this will essentially work is we'll do the transfer of your insurance cover first.","start":639.25,"end":644.295,"sentiment":"neutral","sentiment_score":0.051137033570557835},{"text":"So we won't transfer any anything from ING until your insurances are transferred over.","start":644.295,"end":648.635,"sentiment":"neutral","sentiment_score":0.027467277566237108},{"text":"And then once your insurances are showing in hub twenty four as confirmed, then we'll complete the rollover from ING to hub twenty four, which will close off the close off the super and cancel insurance cover.","start":648.855,"end":659.27,"sentiment":"neutral","sentiment_score":0.04321870686033288},{"text":"And we'll make sure we give you the letter for sales tax and the employer contribution form so you can have all those moved over as well to make it nice and easy for you.","start":659.27,"end":667.67,"sentiment":"neutral","sentiment_score":0.17603496802704674},{"text":"Okay?","start":667.67,"end":668.17,"sentiment":"neutral","sentiment_score":0.114453986287117}],"sentiment":"neutral","sentiment_score":0.08674815493836024,"num_words":107,"start":639.25,"end":668.17},{"sentences":[{"text":"Perfect.","start":670.245,"end":670.745,"sentiment":"positive","sentiment_score":0.5588725209236145},{"text":"Yeah.","start":671.365,"end":671.865,"sentiment":"positive","sentiment_score":0.4330315589904785},{"text":"All good.","start":672.245,"end":672.985,"sentiment":"positive","sentiment_score":0.5521169304847717},{"text":"If you just go up slightly for me just to page number fifteen and sixteen, this is just sort of showing what we wanted to do to the portfolio.","start":673.205,"end":680.985,"sentiment":"neutral","sentiment_score":0.14692505526131597},{"text":"So I had kinda made mention that there were some changes that we wanted to make to your portfolio as well.","start":681.045,"end":686.45996,"sentiment":"neutral","sentiment_score":0.13700940637361436}],"sentiment":"neutral","sentiment_score":0.17100300143162409,"num_words":54,"start":670.245,"end":686.45996},{"sentences":[{"text":"So we have sort of noted that some of the investments well, most has been doing really well, and your portfolio has increased quite significantly.","start":686.45996,"end":692.72,"sentiment":"positive","sentiment_score":0.3398074114322662},{"text":"Some of the underlying investments have been underperforming a little bit.","start":693.5,"end":696.585,"sentiment":"neutral","sentiment_score":-0.11660885539921848},{"text":"So we wanted to maybe take the opportunity to also swap them out for you.","start":696.585,"end":700.525,"sentiment":"neutral","sentiment_score":0.0747257985174656},{"text":"Obviously, with closing of ING, we'll be selling all of those investors and moving the funds over for you.","start":701.22504,"end":706.98505,"sentiment":"neutral","sentiment_score":0.12643722111457273},{"text":"But within your hub twenty four super fund, we're also going to just rebalance that.","start":706.98505,"end":711.63,"sentiment":"neutral","sentiment_score":0.20718002418677012}],"sentiment":"neutral","sentiment_score":0.1628633225665373,"num_words":85,"start":686.45996,"end":711.63},{"sentences":[{"text":"The battery and lithium tax has been performing quite well.","start":711.71,"end":715.15,"sentiment":"positive","sentiment_score":0.6001066416501999},{"text":"It's still a really good investment to have in your portfolio.","start":715.15,"end":717.81,"sentiment":"positive","sentiment_score":0.7466942342844877},{"text":"We're just gonna reduce that exposure back a little bit to 7% for you.","start":718.11,"end":722.37,"sentiment":"neutral","sentiment_score":0.31846921145915985},{"text":"With the Bennelong Australian Equities, that was put in your portfolio when you came on board originally as more of an actively managed managed fund.","start":723.15,"end":731.025,"sentiment":"neutral","sentiment_score":0.00811612943187356},{"text":"Their job was to try and outperform against the market, but, unfortunately, haven't been doing so, and they've been underperforming for you.","start":731.645,"end":737.565,"sentiment":"neutral","sentiment_score":-0.2981816381216049}],"sentiment":"neutral","sentiment_score":0.15019730672172113,"num_words":82,"start":711.71,"end":737.565},{"sentences":[{"text":"So we have gone back and reviewed that this year and wanted to remove that out of there for you.","start":737.565,"end":742.29,"sentiment":"neutral","sentiment_score":-0.22760859839618205},{"text":"So we're gonna sell all of the Benelon Australian equity components.","start":742.29,"end":745.35,"sentiment":"neutral","sentiment_score":0.017021890560334377},{"text":"And to make sure that you still do have some Australian equity component in your super fund, we're gonna put you in the BetaShares a 200, which is on the next page on the bottom of that table there.","start":745.88995,"end":756.615,"sentiment":"neutral","sentiment_score":0.06046602712609829},{"text":"The BetaShares a 200 is actually a cheap yeah.","start":757.315,"end":760.695,"sentiment":"neutral","sentiment_score":0.21854233741760254},{"text":"It's actually a cheaper investment to have.","start":760.915,"end":763.075,"sentiment":"positive","sentiment_score":0.5087903567722866}],"sentiment":"neutral","sentiment_score":0.040949504887468596,"num_words":86,"start":737.565,"end":763.075},{"sentences":[{"text":"They pay really good dividends, and they are there to track the top 200 companies on the ASX.","start":763.075,"end":768.02,"sentiment":"positive","sentiment_score":0.6031329366895888},{"text":"So it's more of a passive fund.","start":768.08,"end":769.7,"sentiment":"neutral","sentiment_score":0.30785922919000897},{"text":"They're not trying to outperform against the market.","start":770.24,"end":772.48004,"sentiment":"neutral","sentiment_score":0.28751962818205357},{"text":"They're participating in the market, but it saves you money and has shown greater performance over the past to make it worthwhile moving you out of and along and moving you into this investment.","start":772.48004,"end":781.595,"sentiment":"positive","sentiment_score":0.4935368334545809},{"text":"Okay?","start":781.815,"end":782.315,"sentiment":"neutral","sentiment_score":0.14868825674057007}],"sentiment":"positive","sentiment_score":0.47412507477052074,"num_words":68,"start":763.075,"end":782.315},{"sentences":[{"text":"We're also keeping physical gold.","start":784.615,"end":786.77496,"sentiment":"neutral","sentiment_score":0.19201033115386962},{"text":"You do have about 10% in there at the moment.","start":786.77496,"end":788.77496,"sentiment":"neutral","sentiment_score":0.11718842685222626},{"text":"Physical gold has done beautifully across everyone's portfolio.","start":788.77496,"end":791.915,"sentiment":"positive","sentiment_score":0.4868248179554939},{"text":"We wanna keep that.","start":792.135,"end":793.175,"sentiment":"neutral","sentiment_score":0.24937645718455315},{"text":"However, just wanna rebalance it back a little bit for you.","start":793.175,"end":795.975,"sentiment":"neutral","sentiment_score":0.032166693698276176}],"sentiment":"neutral","sentiment_score":0.19415457703565298,"num_words":38,"start":784.615,"end":795.975},{"sentences":[{"text":"So we'll be selling off some of the gains that it has made, cementing some of those gains, and reinvesting those for you in other areas.","start":795.975,"end":802.85004,"sentiment":"neutral","sentiment_score":0.21372830036741036},{"text":"We just wanna hold about 60%.","start":803.23004,"end":805.23004,"sentiment":"neutral","sentiment_score":0.1131151517232259},{"text":"It's really important to kinda keep rebalancing your portfolio as well because you're in that growth exposure.","start":805.23004,"end":810.815,"sentiment":"neutral","sentiment_score":0.08532912963453461},{"text":"And, realistically, if we don't rebalance the portfolio back, then some investments will grow more than others, which could leave you taking on more risk and leave you overexposed in certain areas.","start":811.675,"end":822.415,"sentiment":"neutral","sentiment_score":-0.2778091325890273},{"text":"So making sure that we rebalance the portfolio back every so often is really important for making sure you're not taking on too much risk or taking on too little risk at the same time.","start":822.475,"end":832.08997,"sentiment":"neutral","sentiment_score":0.23660056718758174}],"sentiment":"neutral","sentiment_score":0.06101163389996208,"num_words":116,"start":795.975,"end":832.08997},{"sentences":[{"text":"Okay?","start":832.23,"end":832.73,"sentiment":"neutral","sentiment_score":0.10382460802793504},{"text":"We're also looking to keep the cybersecurity.","start":835.685,"end":837.625,"sentiment":"neutral","sentiment_score":0.09673658119780677},{"text":"Cybersecurity, your portfolio has been down a little bit.","start":838.085,"end":840.72504,"sentiment":"neutral","sentiment_score":-0.12929728078759378},{"text":"It has had a bit of a hit with what's been happening with Iran and The US, but we wanna keep it in there.","start":840.72504,"end":845.525,"sentiment":"neutral","sentiment_score":-0.1049668559183677},{"text":"It is still a really good investment to have, so we're just gonna rebalance it back a little bit before as I we're actually gonna buy a bit more of it and increase the level that you have.","start":845.525,"end":853.79004,"sentiment":"positive","sentiment_score":0.4711661895639018}],"sentiment":"neutral","sentiment_score":0.18990399760394533,"num_words":79,"start":832.23,"end":853.79004},{"sentences":[{"text":"So while that has taken a little bit of a dip, when we're kinda rebalancing it back or buying some more into it, sorry, we'll be able to buy into the dip and try and get some great growth as we do sort of move out of the the dip with that investment there.","start":854.01,"end":866.89496,"sentiment":"neutral","sentiment_score":0.09083697772412389},{"text":"We're also gonna keep you invested in the S and P five hundred.","start":867.51495,"end":870.63495,"sentiment":"neutral","sentiment_score":0.24515599126999194},{"text":"This is on the next page, on page 16 there.","start":870.63495,"end":873.21,"sentiment":"neutral","sentiment_score":0.1689399279654026},{"text":"So the S and P five hundred is the top 500 companies in The US, and it's still a really good investment to have.","start":874.09,"end":880.11005,"sentiment":"positive","sentiment_score":0.465109105532368},{"text":"I know a lot of people are quite square scared with what's happening between The US and Iran at the moment.","start":880.41003,"end":885.07,"sentiment":"neutral","sentiment_score":-0.15951926012833914}],"sentiment":"neutral","sentiment_score":0.14421588551924855,"num_words":122,"start":854.01,"end":885.07},{"sentences":[{"text":"But with the S and P 500, one of the benefits that's being invested in that is that you're tracking the top 500 companies.","start":885.52496,"end":891.52496,"sentiment":"neutral","sentiment_score":0.18027252797037363},{"text":"So you're following along with the S and P 500 index.","start":891.52496,"end":894.425,"sentiment":"neutral","sentiment_score":0.2057037976655093},{"text":"And one of the cool things with the index is the investment committee that set up the indices, they actually meet every quarter, and they work out whether companies are eligible to remain in the S and P 500 index.","start":894.64496,"end":906.47,"sentiment":"neutral","sentiment_score":0.20687158685177565},{"text":"And if they're not, they're removed out.","start":906.47,"end":908.32996,"sentiment":"neutral","sentiment_score":0.033317421429923604},{"text":"And these sorts of investments like the iShares S and P 500 follow suit with that.","start":908.47,"end":912.63,"sentiment":"neutral","sentiment_score":0.11470805713906884}],"sentiment":"neutral","sentiment_score":0.17278262024403226,"num_words":98,"start":885.52496,"end":912.63},{"sentences":[{"text":"So where companies are moved out of the index, they're also moved out of the S and P 500 iShares investment options.","start":912.63,"end":918.385,"sentiment":"neutral","sentiment_score":-0.05533978884870356},{"text":"So you're always tracking the top 500 companies, and the companies within that investment option have been altered depending upon their eligibility to be part of the index or not.","start":918.385,"end":927.745,"sentiment":"neutral","sentiment_score":0.101160362859567},{"text":"Okay?","start":927.745,"end":928.245,"sentiment":"neutral","sentiment_score":0.20748507976531985},{"text":"So this is a really good place to be.","start":929.81006,"end":931.41003,"sentiment":"positive","sentiment_score":0.755684839354621},{"text":"We do know even with what's happening in the short term with the volatile markets that over the longer term, the S and P 500 and The US market does provide great level of return.","start":931.41003,"end":939.91003,"sentiment":"positive","sentiment_score":0.4585019780056817}],"sentiment":"neutral","sentiment_score":0.25642838551826086,"num_words":97,"start":912.63,"end":939.91003},{"sentences":[{"text":"So it's really good to be invested in that area still.","start":939.97003,"end":943.03,"sentiment":"positive","sentiment_score":0.6518793973055753},{"text":"We are keeping the Van Ness property.","start":943.625,"end":945.465,"sentiment":"neutral","sentiment_score":0.3240934099469866},{"text":"Property has, in some areas, taken a bit of a hit, but it's still a good place to have diversification in your portfolio.","start":945.465,"end":951.165,"sentiment":"neutral","sentiment_score":0.2523931860923767},{"text":"We don't wanna just have Australian and US equities.","start":951.465,"end":954.105,"sentiment":"neutral","sentiment_score":0.08110109219948451},{"text":"We wanna make sure that we're diversifying across different asset classes, different industries, and different areas as well, and having a bit of property in there is really important for you.","start":954.105,"end":963.64,"sentiment":"neutral","sentiment_score":0.29650292425386365}],"sentiment":"neutral","sentiment_score":0.3106897654540745,"num_words":81,"start":939.97003,"end":963.64},{"sentences":[{"text":"And then we've also got the beta shares Raffy Aussie two hundred.","start":963.94,"end":967.22003,"sentiment":"neutral","sentiment_score":0.1714410918454329},{"text":"This is giving you exposure to some of the middle small cap companies there.","start":967.22003,"end":970.42004,"sentiment":"neutral","sentiment_score":0.16106969543865748},{"text":"So branch here to try and get a better, greater growth in other areas, but still making sure we're tracking Australian equities.","start":970.42004,"end":976.195,"sentiment":"neutral","sentiment_score":0.20818148892034183},{"text":"So we're not overexposing you to Australian equities in any way, shape, or form.","start":976.195,"end":979.715,"sentiment":"neutral","sentiment_score":0.10649666243365832},{"text":"We're just kind of branching out to look at different areas.","start":979.715,"end":982.375,"sentiment":"neutral","sentiment_score":0.14315417815338483}],"sentiment":"neutral","sentiment_score":0.16380699764784068,"num_words":73,"start":963.94,"end":982.375},{"sentences":[{"text":"Okay?","start":982.91504,"end":983.41504,"sentiment":"neutral","sentiment_score":0.09248223900794984},{"text":"That's kind of a general oversight.","start":984.195,"end":986.215,"sentiment":"neutral","sentiment_score":0.09038906047741573},{"text":"Do you have any questions about any of those investments?","start":986.275,"end":988.855,"sentiment":"neutral","sentiment_score":0.03994518872350454},{"text":"I try to limit going into a lot of details because not everyone's that interested in them.","start":989.1,"end":993.82,"sentiment":"neutral","sentiment_score":-0.06249816737630788},{"text":"But did you have any questions in your in that?","start":993.82,"end":996.8,"sentiment":"neutral","sentiment_score":-0.033578502899035814}],"sentiment":"neutral","sentiment_score":-0.00827239512000233,"num_words":44,"start":982.91504,"end":996.8},{"sentences":[{"text":"Yeah.","start":997.26,"end":997.76,"sentiment":"neutral","sentiment_score":-0.010379674844443798},{"text":"That's all good.","start":998.22,"end":998.94,"sentiment":"neutral","sentiment_score":-0.0025048068103690944},{"text":"Some some oh, good.","start":998.94,"end":1001.01996,"sentiment":"neutral","sentiment_score":0.14870621170848608},{"text":"I like to just go over them briefly and then find out sort of how much more you'd like to know.","start":1001.01996,"end":1005.06494,"sentiment":"neutral","sentiment_score":0.1945918755871909},{"text":"Some people go, yeah.","start":1005.1649,"end":1006.40497,"sentiment":"neutral","sentiment_score":0.05195226240903139}],"sentiment":"neutral","sentiment_score":0.1476111875310766,"num_words":33,"start":997.26,"end":1006.40497},{"sentences":[{"text":"That's enough.","start":1006.40497,"end":1006.96497,"sentiment":"neutral","sentiment_score":0.06620283424854279},{"text":"I'm over it.","start":1006.96497,"end":1007.44495,"sentiment":"neutral","sentiment_score":0.047557707875967026},{"text":"And some people go, no.","start":1007.44495,"end":1008.32495,"sentiment":"neutral","sentiment_score":0.03556988686323166},{"text":"Like, give me more.","start":1008.32495,"end":1009.20496,"sentiment":"neutral","sentiment_score":0.04333238955587149},{"text":"So it's all good.","start":1009.20496,"end":1010.425,"sentiment":"positive","sentiment_score":0.38579417765140533}],"sentiment":"neutral","sentiment_score":0.12052413862612513,"num_words":18,"start":1006.40497,"end":1010.425},{"sentences":[{"text":"You do see the table underneath that.","start":1013.365,"end":1014.96497,"sentiment":"neutral","sentiment_score":0.10373197495937347},{"text":"So with hub twenty four, we do have to keep a certain cash component.","start":1014.96497,"end":1018.105,"sentiment":"neutral","sentiment_score":0.09529167945895876},{"text":"So with your portfolio, with the balance you have, we'll just make sure we keep a cash target of 1.25%, which is estimated to be just over $3,300 in there for you.","start":1018.245,"end":1027.86,"sentiment":"neutral","sentiment_score":0.1652301182039082},{"text":"Okay?","start":1027.92,"end":1028.42,"sentiment":"neutral","sentiment_score":0.11632396280765532},{"text":"That's essentially the portfolio and how it works in the major recommendations there.","start":1030.32,"end":1035.345,"sentiment":"neutral","sentiment_score":0.1905280603812291}],"sentiment":"neutral","sentiment_score":0.14836955026014528,"num_words":67,"start":1013.365,"end":1035.345},{"sentences":[{"text":"All in all, it works in your best interest because we're able to consolidate everything.","start":1035.345,"end":1039.185,"sentiment":"positive","sentiment_score":0.49285847147305806},{"text":"Having everything in one place is there to save you money, but also make sure your super is working harder for you.","start":1039.185,"end":1044.785,"sentiment":"positive","sentiment_score":0.4604875838214701},{"text":"Having one super fund is definitely gonna be easier than having the two, and it means you've had a lot of issues with ING over the past.","start":1044.785,"end":1051.6,"sentiment":"neutral","sentiment_score":0.23552635036132955},{"text":"So having everything in hub twenty four means that we can kinda consolidate and look at everything for you.","start":1051.6,"end":1056.4199,"sentiment":"neutral","sentiment_score":0.327577305859641},{"text":"And if you need anything, you just come to us, and we will help you deal with it all to make it 10 times easier for you.","start":1056.5599,"end":1062.4199,"sentiment":"positive","sentiment_score":0.3673577717056981}],"sentiment":"positive","sentiment_score":0.36386767293919214,"num_words":110,"start":1035.345,"end":1062.4199},{"sentences":[{"text":"Okay?","start":1062.72,"end":1063.22,"sentiment":"neutral","sentiment_score":0.17884692549705505},{"text":"Okay.","start":1069.9851,"end":1070.4851,"sentiment":"neutral","sentiment_score":-0.004462476819753647},{"text":"Yep.","start":1074.2251,"end":1074.7251,"sentiment":"neutral","sentiment_score":-0.0395825020968914},{"text":"Yep.","start":1077.54,"end":1078.04,"sentiment":"neutral","sentiment_score":-0.041428424417972565},{"text":"Yep.","start":1079.2999,"end":1079.7999,"sentiment":"neutral","sentiment_score":-0.13306695222854614}],"sentiment":"neutral","sentiment_score":-0.00793868601322174,"num_words":5,"start":1062.72,"end":1079.7999},{"sentences":[{"text":"Yep.","start":1085.7,"end":1086.2,"sentiment":"neutral","sentiment_score":-0.030134394764900208},{"text":"Yep.","start":1086.3,"end":1086.8,"sentiment":"neutral","sentiment_score":0.02225155010819435},{"text":"Yeah.","start":1086.9,"end":1087.4,"sentiment":"neutral","sentiment_score":0.05736354738473892},{"text":"Absolutely.","start":1087.7,"end":1088.2,"sentiment":"neutral","sentiment_score":0.19195756316185},{"text":"Well, as soon as you sign the documents, I'll get the team to send out the choice of super form and the salary sacrifice letter for you.","start":1088.26,"end":1095.045,"sentiment":"neutral","sentiment_score":0.15123892961828797}],"sentiment":"neutral","sentiment_score":0.139512560180118,"num_words":31,"start":1085.7,"end":1095.045},{"sentences":[{"text":"That way, realistically, all you need is a choice of super form, and you just pass it to your employer, and you just tell them to change your employer contributions and yourself back to that 24 fund, and they'll make sure that that happens for you.","start":1095.425,"end":1108.58,"sentiment":"neutral","sentiment_score":0.17465469840428102},{"text":"If I get those letters out as soon as you've signed the advice document, then you've got a bit of time in case they miss the next pay run.","start":1109.0399,"end":1116.08,"sentiment":"neutral","sentiment_score":0.11564349254657483},{"text":"They've got a few after while we are getting the insurance transferred.","start":1116.08,"end":1119.475,"sentiment":"neutral","sentiment_score":0.05087770583728949},{"text":"And then once we have everything moved over, then we'll close-up the ING account to make it on nice and smooth line there for you.","start":1120.095,"end":1126.815,"sentiment":"neutral","sentiment_score":0.1700092539191246},{"text":"Okay?","start":1126.815,"end":1127.315,"sentiment":"neutral","sentiment_score":0.0927012264728546}],"sentiment":"neutral","sentiment_score":0.14461276508801807,"num_words":113,"start":1095.425,"end":1127.315},{"sentences":[{"text":"All good.","start":1128.575,"end":1129.3949,"sentiment":"positive","sentiment_score":0.6506652235984802},{"text":"I do like to be really honest and let you know there are CGT consequences for the recommendations.","start":1129.615,"end":1133.98,"sentiment":"neutral","sentiment_score":0.1522067729383707},{"text":"So because we are buying and selling and switching investments there, on the research I was able to do, we do estimate that the CGT consequence to your super fund is $254.","start":1134.28,"end":1145.34,"sentiment":"neutral","sentiment_score":0.08516599412541837},{"text":"So just like, yeah, so just like you do a tax return, your superfund does one as well.","start":1145.88,"end":1151.155,"sentiment":"neutral","sentiment_score":0.14611328972710502},{"text":"And have 20 four is just expected to pay $2.54 for CGT for the split of all those investments, which isn't too bad at all because some of them are down.","start":1151.455,"end":1160.4149,"sentiment":"neutral","sentiment_score":0.08534240278024827}],"sentiment":"neutral","sentiment_score":0.11922789973640206,"num_words":101,"start":1128.575,"end":1160.4149},{"sentences":[{"text":"At the moment, we're able to use some of the the lower investments that are seeing a bit of a downtime to offset some of the gains for what we're cementing as well.","start":1160.4149,"end":1168.42,"sentiment":"neutral","sentiment_score":0.1467849106499643},{"text":"So it kind of works out really well.","start":1168.42,"end":1170.36,"sentiment":"positive","sentiment_score":0.4499714598059654},{"text":"All good.","start":1174.66,"end":1175.4,"sentiment":"neutral","sentiment_score":0.23939838260412216},{"text":"Yeah.","start":1177.125,"end":1177.625,"sentiment":"neutral","sentiment_score":0.16392457485198977},{"text":"Absolutely.","start":1178.0851,"end":1178.5851,"sentiment":"neutral","sentiment_score":0.20394130051136017}],"sentiment":"neutral","sentiment_score":0.20645191934373644,"num_words":45,"start":1160.4149,"end":1178.5851},{"sentences":[{"text":"The only other part is I've put in there is just updating your beneficiary nominations.","start":1179.2051,"end":1183.7051,"sentiment":"neutral","sentiment_score":0.11593600064516067},{"text":"At the moment, we have it as a binding lapsing nomination.","start":1183.765,"end":1186.425,"sentiment":"neutral","sentiment_score":0.06525307588956573},{"text":"And, look, it's absolutely fine if you wanna keep it that way.","start":1186.4851,"end":1189.47,"sentiment":"neutral","sentiment_score":0.15815457763771215},{"text":"But a binding lapsing nomination means that we have to update that cut of every three years.","start":1189.7899,"end":1194.2899,"sentiment":"neutral","sentiment_score":0.0102560855448246},{"text":"I am recommending that we update that nomination now just making sure Cameron is the beneficiary.","start":1194.4299,"end":1199.57,"sentiment":"neutral","sentiment_score":0.0867302156984806}],"sentiment":"neutral","sentiment_score":0.08333402368384348,"num_words":71,"start":1179.2051,"end":1199.57},{"sentences":[{"text":"I can see he is the beneficiary here currently.","start":1199.87,"end":1202.13,"sentiment":"neutral","sentiment_score":0.09061980744202931},{"text":"But then we can make it a binding non lapsing nomination, which binds the trustee to follow the direction.","start":1202.565,"end":1207.5249,"sentiment":"neutral","sentiment_score":0.08951859862396591},{"text":"But a non lapsing nominee basically means that it stays there permanently.","start":1207.5249,"end":1211.605,"sentiment":"neutral","sentiment_score":0.08975287340581417},{"text":"It doesn't have to be updated every three years.","start":1211.605,"end":1214.88,"sentiment":"neutral","sentiment_score":0.0531570493347115},{"text":"And because we do reviews with you every year, we check your nominations are still valid.","start":1214.96,"end":1219.12,"sentiment":"neutral","sentiment_score":0.09152906993404031}],"sentiment":"neutral","sentiment_score":0.08517453361016053,"num_words":65,"start":1199.87,"end":1219.12},{"sentences":[{"text":"And when and if you tell us they're no longer valid, we will help you and just make sure they get updated for you.","start":1219.12,"end":1224.96,"sentiment":"neutral","sentiment_score":-0.007221225765533745},{"text":"Yeah.","start":1224.96,"end":1225.46,"sentiment":"neutral","sentiment_score":0.11190985143184662},{"text":"That's all good.","start":1225.52,"end":1226.58,"sentiment":"positive","sentiment_score":0.4071403443813324},{"text":"Yep.","start":1227.615,"end":1227.775,"sentiment":"neutral","sentiment_score":0.3305920362472534},{"text":"Beautiful.","start":1227.775,"end":1228.275,"sentiment":"positive","sentiment_score":0.6398158073425293}],"sentiment":"neutral","sentiment_score":0.07101431032642722,"num_words":30,"start":1219.12,"end":1228.275},{"sentences":[{"text":"I've also just made a recommendation just to make sure that you do have a will and power of attorney in place, and we can refer you to a solicitor.","start":1228.495,"end":1235.475,"sentiment":"neutral","sentiment_score":0.17276223500569662},{"text":"We're not lawyers, so we can't really set up those for 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administration team member, Michelle, to organize that for you today to make sure you get that email through.","start":1273.33,"end":1279.35,"sentiment":"neutral","sentiment_score":0.25309061791215626},{"text":"But other than that, that's essentially the advice.","start":1279.81,"end":1281.97,"sentiment":"neutral","sentiment_score":0.16487588919699192},{"text":"It's a nice easy piece for you.","start":1281.97,"end":1283.665,"sentiment":"positive","sentiment_score":0.5660289866583688}],"sentiment":"neutral","sentiment_score":0.2932310010804686,"num_words":43,"start":1271.33,"end":1283.665},{"sentences":[{"text":"Just wanted to kinda go through it, let you ask any questions that you do have.","start":1283.665,"end":1287.285,"sentiment":"neutral","sentiment_score":0.2722147097811103},{"text":"There's no upfront or implementation cost of the advice that we're providing.","start":1287.8251,"end":1291.665,"sentiment":"neutral","sentiment_score":0.17620318879683813},{"text":"You're an ongoing 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Yes. That's fine. Yep. Yeah. Not bad. Busy day at work, but it doesn't feel good. Yeah. No worries. Yeah. It's Rhiannon Elizabeth Brodie, July 1984, and my address is 47 Cambridge Street, Cook 26 14. Yeah. Did you speak to someone about that last week? They might not have had the chance to update it. 47 Littleton Crescent. No. That's okay. Yeah. So it's number it's the same number, and then it's Cambridge Street, C A M B R I D G E, Cook, and so it's the same suburb. It's so funny. We're just literally around the corner. Yeah. We finally moved into our own house, so that's fine. Yeah. Yeah. The life insurance. Yeah. Yeah. Oh, excellent. Yep. Oh, that's alright. I've been busy all good. Yep. Yeah. I'll get it out now. Yes. I've got it. Yes. Yes. I mean, yes. Yep. Yep. Yes. Yes. Yeah. Yeah. I'm pretty lucky. I'm in a pretty secure job even as well. Right. I don't, yeah, I don't have any, like, worries about that, which is good. Yes. Yes. Yes. Yep. Yes. Yes. Yes. Sorry. My dog was just, can you repeat that? Sorry. Yeah. The line went a bit funny. Yes. Yep. Yep. Yep. Yeah. Yep. That sounds really good. I'm just having a road. Yep. Yep. That's perfect. That's no. That's exactly what I wanted. Yeah. Because I I was just looking, like, even your figures. Obviously, you did this in time, but there's, I think, more. You must have I'm just having a look at that. Yeah. Because it's now I think I've got up I've got up to 70 7,000 now in that account. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Yep. Yep. That sounds good. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yeah. No. No. No. That was really helpful. No. Yeah. No. That's all helpful. Yeah. Yeah. Yep. Yeah. No. That sounds really good. And is there any like, in terms of time frame, like, the stuff I have to send my employer, will you is there a no is there you know how there's something you can send them just because I could have let them know. I can probably not let them know. I I think they you know, this pay runs just happened. So we've got another one in two weeks if I get that updated. Yeah. Yep. Yep. Yes. Yes. Yes. Yeah. Yes. Yes. Yes. Yeah. Great. Oh, that's okay. Yeah. Yep. Yep. Yep. That sounds all fine. Yep. So I'll have a rate, and I'll probably sign this today then. Yep. Okay. Yes. Yep. Of that. Yeah. Yeah. I'm happy with that. Yeah. Someone just put new list, actually. So, hopefully, in the next couple of months, I've got that all sorted. Yeah. Yeah. Happy for you to send through. And then yeah. No. That's really helpful. Thank you so much. Really appreciate it because I know, like, I've been happily for a while. So thank you. Yes. That sounds great. Sounds good. Thanks, Dana. Okay. You too. Okay. 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patient. Yes. That's fine. Yep. Yeah.\n\nNot bad. Busy day at work, but it doesn't feel good. Yeah. No worries. Yeah.\n\nIt's Rhiannon Elizabeth Brodie, July 1984, and my address is 47 Cambridge Street, Cook 26 14. Yeah. Did you speak to someone about that last week? They might not have had the chance to update it. 47 Littleton Crescent.\n\nNo. That's okay. Yeah. So it's number it's the same number, and then it's Cambridge Street, C A M B R I D G E, Cook, and so it's the same suburb. It's so funny.\n\nWe're just literally around the corner. Yeah. We finally moved into our own house, so that's fine. Yeah. Yeah.\n\nThe life insurance. Yeah. Yeah. Oh, excellent. Yep.\n\nOh, that's alright. I've been busy all good. Yep. Yeah. I'll get it out now.\n\nYes. I've got it. Yes. Yes. I mean, yes.\n\nYep. Yep. Yes. Yes. Yeah.\n\nYeah. I'm pretty lucky. I'm in a pretty secure job even as well. Right. I don't, yeah, I don't have any, like, worries about that, which is good.\n\nYes. Yes. Yes. Yep. Yes.\n\nYes. Yes. Sorry. My dog was just, can you repeat that? Sorry.\n\nYeah. The line went a bit funny. Yes. Yep. Yep.\n\nYep. Yeah. Yep. That sounds really good. I'm just having a road.\n\nYep. Yep. That's perfect. That's no. That's exactly what I wanted.\n\nYeah. Because I I was just looking, like, even your figures. Obviously, you did this in time, but there's, I think, more. You must have I'm just having a look at that. Yeah.\n\nBecause it's now I think I've got up I've got up to 70 7,000 now in that account. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yes. Yep. Yep. That sounds good.\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYeah. No. No. No. That was really helpful.\n\nNo. Yeah. No. That's all helpful. Yeah.\n\nYeah. Yep. Yeah. No. That sounds really good.\n\nAnd is there any like, in terms of time frame, like, the stuff I have to send my employer, will you is there a no is there you know how there's something you can send them just because I could have let them know. I can probably not let them know. I I think they you know, this pay runs just happened. So we've got another one in two weeks if I get that updated. Yeah.\n\nYep. Yep. Yes. Yes. Yes.\n\nYeah. Yes. Yes. Yes. Yeah.\n\nGreat. Oh, that's okay. Yeah. Yep. Yep.\n\nYep. That sounds all fine. Yep. So I'll have a rate, and I'll probably sign this today then. Yep.\n\nOkay. Yes. Yep. Of that. Yeah.\n\nYeah. I'm happy with that. Yeah. Someone just put new list, actually. So, hopefully, in the next couple of months, I've got that all sorted.\n\nYeah. Yeah. Happy for you to send through. And then yeah. No.\n\nThat's really helpful. Thank you so much. Really appreciate it because I know, like, I've been happily for a while. So thank you. Yes.\n\nThat sounds great. Sounds good. Thanks, Dana. Okay. You too.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Brandon's patient.","start":2.3999999,"end":3.3,"sentiment":"neutral","sentiment_score":0.06479504518210888},{"text":"Yes.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.26770368218421936},{"text":"That's fine.","start":7.8399997,"end":8.58,"sentiment":"positive","sentiment_score":0.4433351755142212},{"text":"Yep.","start":15.44,"end":15.765,"sentiment":"neutral","sentiment_score":0.12110869586467744},{"text":"Yeah.","start":20.725,"end":21.205,"sentiment":"neutral","sentiment_score":0.09333620965480804}],"sentiment":"neutral","sentiment_score":0.21405843272805214,"num_words":7,"start":2.3999999,"end":21.205},{"sentences":[{"text":"Not bad.","start":21.205,"end":21.765,"sentiment":"neutral","sentiment_score":0.08286667987704277},{"text":"Busy day at work, but it doesn't feel 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then.","start":1174.1649,"end":1176.76,"sentiment":"neutral","sentiment_score":0.2531522947053115},{"text":"Yep.","start":1176.76,"end":1177.26,"sentiment":"neutral","sentiment_score":0.12367134541273116}],"sentiment":"neutral","sentiment_score":0.2611216036112685,"num_words":19,"start":1172.1649,"end":1177.26},{"sentences":[{"text":"Okay.","start":1213.9199,"end":1214.4199,"sentiment":"neutral","sentiment_score":0.05327274650335312},{"text":"Yes.","start":1218.755,"end":1219.255,"sentiment":"neutral","sentiment_score":0.09459010511636734},{"text":"Yep.","start":1219.875,"end":1220.375,"sentiment":"neutral","sentiment_score":0.029194578528404236},{"text":"Of that.","start":1222.6749,"end":1223.315,"sentiment":"neutral","sentiment_score":-0.007629778236150742},{"text":"Yeah.","start":1223.315,"end":1223.815,"sentiment":"neutral","sentiment_score":0.0025321999564766884}],"sentiment":"neutral","sentiment_score":0.027388345605383318,"num_words":6,"start":1213.9199,"end":1223.815},{"sentences":[{"text":"Yeah.","start":1225.7949,"end":1225.955,"sentiment":"neutral","sentiment_score":0.22718116641044617},{"text":"I'm happy with that.","start":1225.955,"end":1227.12,"sentiment":"positive","sentiment_score":0.6501240879297256},{"text":"Yeah.","start":1238.8,"end":1239.28,"sentiment":"neutral","sentiment_score":0.03381294012069702},{"text":"Someone just put new list, actually.","start":1239.28,"end":1241.38,"sentiment":"neutral","sentiment_score":0.03605206869542599},{"text":"So, hopefully, in the next couple of months, I've got that all sorted.","start":1241.76,"end":1245.6749,"sentiment":"neutral","sentiment_score":0.06756913318083836}],"sentiment":"neutral","sentiment_score":0.15824806407094003,"num_words":25,"start":1225.7949,"end":1245.6749},{"sentences":[{"text":"Yeah.","start":1245.975,"end":1246.475,"sentiment":"neutral","sentiment_score":0.1184493750333786},{"text":"Yeah.","start":1267.91,"end":1268.23,"sentiment":"neutral","sentiment_score":0.19743022322654724},{"text":"Happy for you to send through.","start":1268.23,"end":1269.67,"sentiment":"positive","sentiment_score":0.3762834717830022},{"text":"And then yeah.","start":1269.67,"end":1270.605,"sentiment":"neutral","sentiment_score":0.1611398458480835},{"text":"No.","start":1300.5349,"end":1300.7749,"sentiment":"neutral","sentiment_score":0.04614093527197838}],"sentiment":"neutral","sentiment_score":0.25859507514784735,"num_words":12,"start":1245.975,"end":1300.7749},{"sentences":[{"text":"That's really helpful.","start":1300.7749,"end":1301.6549,"sentiment":"neutral","sentiment_score":0.23540815711021423},{"text":"Thank you so much.","start":1301.6549,"end":1302.615,"sentiment":"positive","sentiment_score":0.5839887410402298},{"text":"Really appreciate it because I know, like, I've been happily for a while.","start":1302.615,"end":1306.235,"sentiment":"positive","sentiment_score":0.34509603621867985},{"text":"So thank you.","start":1306.2949,"end":1307.4349,"sentiment":"neutral","sentiment_score":0.32194500664869946},{"text":"Yes.","start":1321.76,"end":1322.0801,"sentiment":"positive","sentiment_score":0.658491849899292}],"sentiment":"positive","sentiment_score":0.3813647823408246,"num_words":24,"start":1300.7749,"end":1322.0801},{"sentences":[{"text":"That sounds great.","start":1322.0801,"end":1323.045,"sentiment":"positive","sentiment_score":0.8420079747835795},{"text":"Sounds good.","start":1336.485,"end":1337.045,"sentiment":"positive","sentiment_score":0.7917754650115967},{"text":"Thanks, Dana.","start":1337.045,"end":1337.9451,"sentiment":"positive","sentiment_score":0.7635836601257324},{"text":"Okay.","start":1339.4369,"end":1339.9369,"sentiment":"positive","sentiment_score":0.5710752010345459},{"text":"You too.","start":1341.4369,"end":1342.157,"sentiment":"positive","sentiment_score":0.6638786792755127}],"sentiment":"positive","sentiment_score":0.7535574734210968,"num_words":10,"start":1322.0801,"end":1342.157},{"sentences":[{"text":"Okay.","start":1342.157,"end":1342.637,"sentiment":"positive","sentiment_score":0.35209015011787415},{"text":"Bye.","start":1342.637,"end":1343.137,"sentiment":"neutral","sentiment_score":0.32897183299064636}],"sentiment":"positive","sentiment_score":0.34053099155426025,"num_words":2,"start":1342.157,"end":1343.137}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Brandon's patient.\n\nChannel 0: Hi, Rhiannon. This is Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: That's good. I had you booked in today just to run through some updated advice that I do have for you. Is now still a good time?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. How's your day been so far?\n\nChannel 1: Yeah. Not bad. Busy day at work, but it doesn't feel\n\nChannel 0: Yeah?\n\nChannel 1: good.\n\nChannel 0: Uh-huh. Fantastic. Rhiannon, before we jump into the call, just to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Lovely. And as to the security there with you as well, I'll just get you to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Yeah. It's Rhiannon Elizabeth Brodie, July 1984, and my address is 47 Cambridge Street,\n\nChannel 0: Yep.\n\nChannel 1: Cook 26\n\nChannel 0: Yep.\n\nChannel 1: 14.\n\nChannel 0: Beautiful. Lovely. Thank you so much. I actually sorry. You said Cambridge Street?\n\nChannel 1: Yeah.\n\nChannel 0: Have\n\nChannel 1: Did\n\nChannel 0: you\n\nChannel 1: you speak\n\nChannel 0: recently\n\nChannel 1: to someone\n\nChannel 0: moved?\n\nChannel 1: about that last week? They might not have had the chance to update it.\n\nChannel 0: No. That's okay. I'll just have a quick look back on the other file and make sure. What was the last address I should have on file?\n\nChannel 1: 47 Littleton Crescent.\n\nChannel 0: Yep. That's the one I have here. That's okay. I can update that for you. Can you just give me that new address?\n\nI'll make sure I update that, sir, after the call for you to make it easier. Sorry about that.\n\nChannel 1: No. That's okay. Yeah. So it's number it's the same number, and then it's\n\nChannel 0: Yep.\n\nChannel 1: Cambridge Street, C A M B R I D G E,\n\nChannel 0: Yep.\n\nChannel 1: Cook, and so it's the same suburb. It's so funny. We're just literally around the corner.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Oh,\n\nChannel 1: We finally\n\nChannel 0: nice.\n\nChannel 1: moved into our own house, so that's fine. Yeah.\n\nChannel 0: Oh, that's fantastic. No. Excellent. I know it's been a little bit time. I do apologize for the delay there.\n\nWe've updated the advice there for you. You and I kinda spoke last year about trying to maybe consolidate your super and looking at maybe transferring your insurance\n\nChannel 1: Yeah.\n\nChannel 0: since\n\nChannel 1: The\n\nChannel 0: everything's\n\nChannel 1: life\n\nChannel 0: in\n\nChannel 1: insurance.\n\nChannel 0: one place.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I had it all kinda ready to go early this year, but then I've kinda gone back with the changes in the market. I've also updated your portfolio for you as well because of what's\n\nChannel 1: Oh, excellent.\n\nChannel 0: been happening between your portfolio. I kinda wanted to do it all at once and show you what we wanna do. So instead of providing different advice documents so it took a bit longer, and I apologize for that.\n\nChannel 1: Yep. Oh, that's\n\nChannel 0: But I'll\n\nChannel 1: alright.\n\nChannel 0: go through\n\nChannel 1: I've been busy\n\nChannel 0: I'll go\n\nChannel 1: all good.\n\nChannel 0: that's alright. I'll go through it all now with you. Do if I send this through to your email, do you have access to your emails? Are you able\n\nChannel 1: Yep.\n\nChannel 0: able to open the document there with me at all?\n\nChannel 1: Yeah. I'll get it out now.\n\nChannel 0: Excellent. I've just sent that one through to you. That's absolutely perfect. Okay. It's just that it's gone through, which is great.\n\nChannel 1: Yes. I've got it.\n\nChannel 0: Beautiful. Beautiful. Now on the front page there, when you open the email, I do have at the very bottom a whole bunch of additional attachments for you for the research that we've conducted. To make it easier, if you're just looking at the document there, you press the sign button. It lets you go in so you can kind of move up and down through the document there.\n\nOkay.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: I mean, yes.\n\nChannel 0: Excellent. On the front page, it has note there that, yeah, we have prepared the document for yourself as of the 04/01/2026. Our documents are valid for sixty days from the date on the document there. However, if if things come up because you're busy, life gets in the way. If you do happen to sign this after the sixty days, it's not a problem at all.\n\nWe just reconfirm your circumstances for you. The at the bottom there, it does have my representative number. So I'm a licensed adviser with Assic, and my registration number is 1304394 for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: To sort of show you what the document is about, to kinda start, I guess, I'll just go through sort of where we're where we're looking at. So we are looking at superannuation. Obviously, you're looking at hoping to retire. We noted around about the age of 60 there. When you get to that point at the time we last spoke, you're looking to draw an income of about $1,500 per week.\n\nSo the advice is\n\nChannel 1: Yep.\n\nChannel 0: basically around looking to try and consolidate things for you, see if we can transfer your cover over, make things a bit cheaper, and save you a bit more money as well, as well as get your super working harder for you towards that goal in the future. Okay? We've scoped in insurances as well, just making sure that we can look to consolidate. We've found a way to definitely do that for you, and we can download track books to get better, more retail cover. And then I've also scoped the new state planning side of things.\n\nSo you're happy with your beneficiary, noting that it was Cameron. However, I have noted that you've got a binding lapsing nomination. So I have just made a recommendation to update that for you so you don't have to keep updating this nomination on a regular basis, and also taking into account the will and power of attorney information as well, just making sure that all of your estate planning is sorted for\n\nChannel 1: Yes.\n\nChannel 0: you. Okay?\n\nChannel 1: Yes.\n\nChannel 0: On page number five, we do outline some areas that we're not looking at the advice at the moment. So we don't have any income protection or trauma at the moment. When we last spoke, income protection wasn't a a big issue for you. You mentioned you had about three hundred hours of sick leave there. You don't ever seem to get sick, which is a bonus to yourself.\n\nChannel 1: Yeah. Yeah. I'm pretty lucky. I'm in a pretty secure job\n\nChannel 0: Oh,\n\nChannel 1: even as well.\n\nChannel 0: good.\n\nChannel 1: Right.\n\nChannel 0: Yeah.\n\nChannel 1: I don't, yeah, I don't have any, like, worries about that,\n\nChannel 0: Yeah.\n\nChannel 1: which is good.\n\nChannel 0: Oh,\n\nChannel 1: Yes.\n\nChannel 0: that's fantastic. That's excellent. So we're not looking at income protection at the moment, and you don't have any trauma at the moment. Again, we're not looking at those sorts of options. That was something we had tried to get down the track.\n\nHowever, due to what was disclosed with regard to the drug use, that we have to kinda hold off around about\n\nChannel 1: Yes.\n\nChannel 0: twenty twenty seven, twenty eight. We're able to look at new cover for you since this is what\n\nChannel 1: Yes.\n\nChannel 0: we're doing in the interim. And then you and I can keep touching base down the track to work out when we're able to look at more appropriate cover or if that's what you wanna do, and we can sort of take it from there and reupdate the advice as we go. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now to kind of run through the recommendations, what I'll do is I'll go through a couple of pages where I need you to kinda touch on the recommendations, how and why we're making them, how this looks for you, and then I'll let you take the document back so you can have a really good read of it. Okay? To make things a bit easier for you, if you can there, Brianna, just scroll down to page number 18 for me. This is the table that kinda shows most around the the most detail around the recommendations.\n\nI'll run through it with you, then you'll get a chance to go back and read it all and take it all in.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So this is a fee comparison table here. Now at the moment, you do have your hub twenty four and your I n g super accounts there with the updated balances between the both of them. And underneath that, you'll see you're paying administration fees, investment fees, any other fees applicable, our ongoing service fee, your contributions are going in. And you had your nonconcessional contributions pay changed to salary sacrifice.\n\nSo that definitely makes things a bit easier for you down the track as well.\n\nChannel 1: Yes.\n\nChannel 0: Are you there? Sorry, Rhiannon.\n\nChannel 1: Yes.\n\nChannel 0: Sorry. I see\n\nChannel 1: Sorry.\n\nChannel 0: I thought\n\nChannel 1: My\n\nChannel 0: I just\n\nChannel 1: dog\n\nChannel 0: dropped\n\nChannel 1: was\n\nChannel 0: out.\n\nChannel 1: just,\n\nChannel 0: No.\n\nChannel 1: can you repeat that? Sorry. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: The\n\nChannel 0: You're\n\nChannel 1: line\n\nChannel 0: alright.\n\nChannel 1: went a bit\n\nChannel 0: That's\n\nChannel 1: funny.\n\nChannel 0: it. That's okay. I could hear a bit of a buzzing, so that's why I thought it dropped out.\n\nChannel 1: Yes.\n\nChannel 0: All good. With your nonconcessional contributions, last time we spoke, you were having those changed to salary sacrifice. And with the updated statements we received, it looks like they have all changed. So you're doing your salary sacrifice now instead of that regular nonconcessional transfer\n\nChannel 1: Yep.\n\nChannel 0: in. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Still the same way? Perfect. That'll definitely make things a little bit easier for you. I know there has been a bit of trouble with ING in claiming those.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. So this will make things a little bit easier for you as well. Okay? And at the moment with the ING insurance, you've got life and TPD, which is being paid out of there. You're currently paying about $621 for that cover there at the moment.\n\nBetween the two super funds, you are in a growth portfolio. That growth portfolio generally sees about 80% of your super investing growth assets. So we're looking at things like Australian and international shares, listed property, and also commodities like gold and silver. And then the other 20% is normally invested in defensive assets, so things like cash, bonds, and fixed interest. With the three year rolling average of the current portfolio, you're in between the two funds.\n\nIt's been averaging about 12.47%. What I am looking to recommend is that we do move you out of ING, and we can consolidate over to Hub twenty four. The way we're able to do this is we're able to transfer the insurances that you do have within ING over to Hub twenty four. So last year, we had a bit of a conversation. We went through some questions and looked at the transfer terms questions, and then I went back and did a bit of research for you.\n\nAnd it turns out you are eligible to have that transfer terms cover. What that essentially means is the cover within ING stays exactly the same at the same level, and we transfer that into Hub 24. It actually is cheaper to do that and transfer the cover over. When we looked at the quote to transfer, it's actually saving you about $421 on a yearly basis to complete the transfer terms and transfer the cover into hub twenty four. And by doing that, you still retain the same level of cover of life and TPD.\n\nYou'll pay a little bit less in premiums, and that allows us to close off the ING, consolidate everything, and move it into hub twenty four. So you'll end up with one super fund. Your insurances will be in hub twenty four to make it easier. We can then help you transfer your contributions, your salary sacrifice, and your employer contributions that are paid into hub twenty four to make it easier. And then we're gonna change your portfolio a little bit, and I'll show you what that looks like shortly.\n\nBut by completing the consolidation and altering your portfolio, you'll also save about $90 for the first year in administration fees and about $303 for the year in investment fees as well. So it saves you quite a significant amount of fees by consolidating and transferring everything over.\n\nChannel 1: Yep. That sounds really good. I'm just having a road. Yep. Yep.\n\nChannel 0: No. That's okay.\n\nChannel 1: That's perfect.\n\nChannel 0: You're absolutely\n\nChannel 1: That's\n\nChannel 0: fine.\n\nChannel 1: no. That's exactly what I wanted. Yeah. Because I I was just looking, like, even your figures. Obviously, you did this in time, but there's,\n\nChannel 0: Yeah.\n\nChannel 1: I think, more. You must have\n\nChannel 0: Yeah.\n\nChannel 1: I'm just having a look at that. Yeah. Because it's now\n\nChannel 0: The I\n\nChannel 1: I\n\nChannel 0: n\n\nChannel 1: think\n\nChannel 0: g\n\nChannel 1: I've got\n\nChannel 0: super?\n\nChannel 1: up I've got up to 70\n\nChannel 0: Yeah.\n\nChannel 1: 7,000 now in that\n\nChannel 0: Yeah.\n\nChannel 1: account.\n\nChannel 0: Yeah. Perfect. So this was just the last balance we were able\n\nChannel 1: Yeah.\n\nChannel 0: to save.\n\nChannel 1: Yeah.\n\nChannel 0: So what\n\nChannel 1: Yeah.\n\nChannel 0: we do is before we do any of the rollovers, we'll reconfirm the balances and things\n\nChannel 1: Yeah.\n\nChannel 0: like that.\n\nChannel 1: Yeah.\n\nChannel 0: But once we've got the way this will essentially work is we'll do the transfer of your insurance cover first. So we won't transfer any\n\nChannel 1: Yes.\n\nChannel 0: anything from ING until your insurances are transferred over. And then once your insurances are showing in hub twenty four as confirmed, then we'll complete the rollover from ING to hub twenty four, which will close off the close off\n\nChannel 1: Yep.\n\nChannel 0: the super and cancel insurance cover. And we'll make sure we give you the letter for sales tax and the employer contribution form so you can have all those moved over as well to make it nice and easy for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: That sounds good.\n\nChannel 0: Yeah. All good. If you just go up slightly for me just to page number fifteen and sixteen, this is just sort of showing what we wanted to do to the portfolio. So I had kinda made mention that there were some changes that we wanted to make to your portfolio as well. So we have sort of noted that some of the investments well, most has been doing really well, and your portfolio has increased quite significantly.\n\nSome of the underlying investments have been underperforming a little bit. So we wanted to maybe take the opportunity to also swap them out for you. Obviously,\n\nChannel 1: Yes.\n\nChannel 0: with closing of ING, we'll be selling all of those investors and moving the funds over for you. But within\n\nChannel 1: Yes.\n\nChannel 0: your hub twenty four super fund, we're also going to just rebalance that. The battery and lithium tax has been performing quite well. It's still a really good investment to have in your portfolio. We're just gonna reduce that exposure back a little bit to 7% for you.\n\nChannel 1: Yes.\n\nChannel 0: With the Bennelong Australian Equities, that was put in your portfolio when you came on board originally as more of an actively managed managed fund. Their job was to try and outperform against the market, but, unfortunately, haven't been doing so, and they've been underperforming for you. So\n\nChannel 1: Yes.\n\nChannel 0: we have gone back and reviewed that this year and wanted to remove that out of there for you. So we're gonna sell all of the Benelon Australian equity components. And to make sure that you still do have some Australian equity component in your super fund, we're gonna put you in the BetaShares a 200, which is on the next page on the bottom of that table there. The\n\nChannel 1: Yes.\n\nChannel 0: BetaShares a 200\n\nChannel 1: Yes.\n\nChannel 0: is actually\n\nChannel 1: Yes.\n\nChannel 0: a cheap yeah. It's actually a cheaper investment to have. They pay really good dividends, and they are there to track the top 200 companies on the ASX. So it's more of a passive fund. They're\n\nChannel 1: Yes.\n\nChannel 0: not trying to outperform against the market. They're participating in the market, but it saves you money and has shown greater performance over the past to make it worthwhile moving you out of and along and moving you into this investment. Okay? We're also keeping physical gold. You do have about 10% in there at the moment.\n\nPhysical gold has done beautifully across everyone's portfolio. We wanna keep that. However, just wanna rebalance it back a little bit for you. So we'll be selling off some of the gains that it has made, cementing some of those gains, and reinvesting those for you in other areas. We just\n\nChannel 1: Yes.\n\nChannel 0: wanna hold about 60%. It's really important to kinda keep rebalancing your portfolio as well because you're in that growth exposure. And, realistically, if we don't rebalance the portfolio back, then some investments will grow more than others, which could leave you taking on more risk and leave you overexposed in certain areas. So making sure that we rebalance the portfolio back every so often is really important for making sure you're not taking on too much risk or taking on too little risk at the same time. Okay?\n\nWe're also looking to keep the cybersecurity. Cybersecurity, your portfolio has been down a little bit. It has had a bit of a hit with what's been happening with Iran and The US, but we wanna keep it in there. It is still a really good investment to have, so we're just gonna rebalance it back a little bit before as I we're actually gonna buy a bit more of it and increase the level that you have. So while that has taken a little bit of a dip, when we're kinda rebalancing it back or buying some more into it, sorry, we'll be able to buy into the dip and try and get some great growth as we do sort of move out of the the dip with that investment there.\n\nWe're\n\nChannel 1: Yes.\n\nChannel 0: also gonna keep you invested in the S and P five hundred. This is on the next page, on page 16 there. So the S and P five hundred is the top 500 companies in The US, and it's still a really good investment to have. I know a lot of people are quite square scared with what's happening between The US and Iran at the moment. But with the S and P 500, one of the benefits that's being invested in that is that you're tracking the top 500 companies.\n\nSo you're following along with the S and P 500 index. And one of the cool things with the index is the investment committee that set up the indices, they actually meet every quarter, and they work out whether companies are eligible to remain in the S and P 500 index. And if they're not, they're removed out. And these sorts of investments like the iShares S and P 500 follow suit with that. So where companies are moved out of the index, they're also moved out of the S and P 500 iShares investment options.\n\nSo you're always tracking the top 500 companies, and the companies within that investment option have been altered depending upon their eligibility to be part of the index or not. Okay? So this is a really good place to be. We do know even with what's happening in the short term with the volatile markets that over the longer term, the S and P 500 and The US market does provide great level of return. So it's really good to be invested in that area still.\n\nWe are keeping the Van Ness property. Property has, in some areas, taken a bit of a hit, but it's still a good place to have diversification in your portfolio. We don't wanna just have Australian and US equities. We wanna make sure that we're diversifying across different asset classes, different industries, and different areas as well, and having a bit of property in there is really important for you. And then we've also got the beta shares Raffy Aussie two hundred.\n\nThis is giving you exposure to some of the middle small cap companies there. So branch here to try and get a better, greater growth in other areas, but still making sure we're tracking Australian equities. So we're not overexposing you to Australian equities in any way, shape, or form. We're just kind of branching out to look at different areas. Okay?\n\nThat's kind of a general oversight. Do you have any questions about any of those investments? I try to limit going into a lot of details because not everyone's that interested in them. But did\n\nChannel 1: Yeah.\n\nChannel 0: you have any\n\nChannel 1: No.\n\nChannel 0: questions\n\nChannel 1: No. No. That\n\nChannel 0: in your\n\nChannel 1: was really helpful.\n\nChannel 0: in that?\n\nChannel 1: No.\n\nChannel 0: Yeah. That's\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: No.\n\nChannel 0: good.\n\nChannel 1: That's\n\nChannel 0: Some\n\nChannel 1: all\n\nChannel 0: some\n\nChannel 1: helpful.\n\nChannel 0: oh, good. I like to just go over them briefly and then find out sort of how much more you'd like to know.\n\nChannel 1: Yeah.\n\nChannel 0: Some people go, yeah. That's enough. I'm over it. And some people go, no. Like, give me more.\n\nSo it's all good. You do see the table underneath that. So with hub twenty four, we do have to keep a certain cash component. So with your portfolio, with the balance you have, we'll just make sure we keep a cash target of 1.25%, which is estimated to be just over $3,300 in there for you. Okay?\n\nThat's essentially the portfolio and how it works in the major recommendations there. All in all, it works in your best interest because we're able to consolidate everything. Having everything in one place is there to save you money, but also make sure your super is working harder for you. Having one super fund is definitely gonna be easier than having the two, and it means you've had a lot of issues with ING over the past. So having everything\n\nChannel 1: Yeah.\n\nChannel 0: in hub twenty four means that we can kinda consolidate and look at everything for you. And if\n\nChannel 1: Yep.\n\nChannel 0: you need anything, you just come to us, and we will help you deal with it all to make it 10 times easier for you.\n\nChannel 1: Yeah. No.\n\nChannel 0: Okay?\n\nChannel 1: That sounds really good. And is there any like, in terms of time frame, like, the stuff I have to send my employer,\n\nChannel 0: Okay.\n\nChannel 1: will you is there a no is there\n\nChannel 0: Yep.\n\nChannel 1: you know how there's something you can send them just because I could\n\nChannel 0: Yep.\n\nChannel 1: have let them know. I can probably not\n\nChannel 0: Yep.\n\nChannel 1: let them know. I I think they you know, this pay runs just happened. So we've got another one in two weeks if I\n\nChannel 0: Yep.\n\nChannel 1: get that updated.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Well, as soon as you sign the documents, I'll get the team to\n\nChannel 1: Yep.\n\nChannel 0: send out the choice of super form and the salary sacrifice\n\nChannel 1: Yep.\n\nChannel 0: letter for you. That way, realistically, all you need is a choice of super form, and you just pass it to your employer, and you just tell them to change your employer\n\nChannel 1: Yes. Yes.\n\nChannel 0: contributions and yourself back to that\n\nChannel 1: Yes.\n\nChannel 0: 24 fund, and they'll make sure that that happens for you.\n\nChannel 1: Yeah.\n\nChannel 0: If I get those letters out as soon as you've signed the advice document, then you've got a bit of time in case they miss the next pay run. They've got a few after\n\nChannel 1: Yes.\n\nChannel 0: while we are getting\n\nChannel 1: Yes.\n\nChannel 0: the insurance transferred. And then once we have everything moved over, then we'll close-up the ING account to make it on nice and smooth line there for you. Okay?\n\nChannel 1: Yes. Yeah. Great.\n\nChannel 0: All good. I do like to be really honest and let you know there are CGT consequences for the recommendations. So because we are buying and selling and switching investments there, on the research I was able to do, we do estimate that the CGT consequence to your super fund is $254.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: that's\n\nChannel 0: just\n\nChannel 1: okay.\n\nChannel 0: like,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, so just like you do a tax return, your superfund does one as well. And have 20\n\nChannel 1: Yep.\n\nChannel 0: four is just expected to pay $2.54 for CGT for\n\nChannel 1: Yep.\n\nChannel 0: the split of all those investments, which isn't too bad at all because some of them are down. At the moment, we're able to use some of the the lower investments that are seeing a bit of a downtime to offset some of the gains for what we're cementing as well. So it kind of works out really well.\n\nChannel 1: Yep. That sounds all fine. Yep. So I'll have a\n\nChannel 0: All\n\nChannel 1: rate, and\n\nChannel 0: good.\n\nChannel 1: I'll probably sign this today then. Yep.\n\nChannel 0: Yeah. Absolutely. The only other part is I've put in there is just updating your beneficiary nominations. At the moment, we have it as a binding lapsing nomination. And, look, it's absolutely fine if you wanna keep it that way.\n\nBut a binding lapsing nomination means that we have to update that cut of every three years. I am recommending that we update that nomination now just making sure Cameron is the beneficiary. I can see he is the beneficiary here currently. But then we can make it a binding non lapsing nomination, which binds the trustee to follow the direction. But a non lapsing nominee basically means that it stays there permanently.\n\nIt doesn't have to be updated every\n\nChannel 1: Okay.\n\nChannel 0: three years. And because we do reviews with you every year, we check your nominations are still\n\nChannel 1: Yes.\n\nChannel 0: valid. And when and if you\n\nChannel 1: Yep.\n\nChannel 0: tell us they're no longer valid, we will help you and\n\nChannel 1: Of\n\nChannel 0: just\n\nChannel 1: that.\n\nChannel 0: make sure\n\nChannel 1: Yeah.\n\nChannel 0: they get updated for you. Yeah. That's\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: I'm\n\nChannel 0: good.\n\nChannel 1: happy with that.\n\nChannel 0: Yep. Beautiful. I've also just made a recommendation just to make sure that you do have a will and power of attorney in place, and we can refer you to a solicitor. We're not lawyers, so we can't really set up those for you.\n\nChannel 1: Yeah.\n\nChannel 0: However,\n\nChannel 1: Someone\n\nChannel 0: we do refer\n\nChannel 1: just\n\nChannel 0: you\n\nChannel 1: put\n\nChannel 0: to\n\nChannel 1: new list,\n\nChannel 0: a solicitor.\n\nChannel 1: actually. So, hopefully,\n\nChannel 0: Yeah.\n\nChannel 1: in the next couple of months, I've got\n\nChannel 0: Yeah.\n\nChannel 1: that all sorted. Yeah.\n\nChannel 0: Oh, good. Well, if you like, we can also send I'm not sure if I sent the the lawyer referral last time we spoke or not, but we can also send through some information to you just on a local solicitor here on the Gold Coast. There's a bit of a price on how much they cost to do offer will. They do them via email and everything as well, email, phone, but it also can be helpful just to start the conversation as well.\n\nChannel 1: Yeah. Happy for you to send through. And then yeah.\n\nChannel 0: Yep. Absolutely. I can organize that for you. I'll get my administration team member, Michelle, to organize that for you today to make sure you get that email through. But other than that, that's essentially the advice.\n\nIt's a nice easy piece for you. Just wanted to kinda go through it, let you ask any questions that you do have. There's no upfront or implementation cost of the advice that we're providing. You're an ongoing service client, so we're providing advice to make sure that we're working with you and working towards your goals and providing advice in your best interest. Okay.\n\nChannel 1: No. That's really helpful. Thank you so much. Really appreciate it because I know, like, I've been happily\n\nChannel 0: Yeah.\n\nChannel 1: for a while. So thank you.\n\nChannel 0: No. You are absolutely fine. I honestly really appreciate it. I love talking to you. Looking forward to seeing where we're going in the future and what we can definitely do.\n\nWe'll get this sorted, and then we'll keep doing reviews and updating things as as your life changes.\n\nChannel 1: Yes. That sounds great.\n\nChannel 0: Oh, good. I'll let you go back and spend some time reading that one along, Rhianna. And if yeah. Once you're happy to sign it, I'll get you to sign and return it back, and my team will have it implemented, and we'll make sure we do some catch ups with you through the year.\n\nChannel 1: Sounds good. Thanks, Dana.\n\nChannel 0: Thank you so much for\n\nChannel 1: Okay.\n\nChannel 0: your time. I hope you have a good afternoon.\n\nChannel 1: You\n\nChannel 0: Thanks\n\nChannel 1: too.\n\nChannel 0: so much.\n\nChannel 1: Okay. Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Brandon's patient.","start":2.3999999,"end":3.3,"sentiment":"neutral","sentiment_score":0.06479504518210888}],"sentiment":"neutral","sentiment_score":0.06479504518210888,"channel":1,"num_words":2,"start":2.3999999,"end":3.3},{"sentences":[{"text":"Hi, Rhiannon.","start":3.84,"end":4.4,"sentiment":"neutral","sentiment_score":0.15973300486803055},{"text":"This is Dana from OQ Financial.","start":4.4,"end":6.0,"sentiment":"neutral","sentiment_score":0.17407990247011185},{"text":"How are you this afternoon?","start":6.0,"end":7.14,"sentiment":"neutral","sentiment_score":0.22216372191905975}],"sentiment":"neutral","sentiment_score":0.19036646416554084,"channel":0,"num_words":13,"start":3.84,"end":7.14},{"sentences":[{"text":"Yes.","start":7.52,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.26770368218421936},{"text":"That's fine.","start":7.8399997,"end":8.58,"sentiment":"positive","sentiment_score":0.4433351755142212}],"sentiment":"positive","sentiment_score":0.3847913444042206,"channel":1,"num_words":3,"start":7.52,"end":8.58},{"sentences":[{"text":"That's good.","start":9.12,"end":9.679999,"sentiment":"positive","sentiment_score":0.7174172699451447},{"text":"I had you booked in today just to run through some updated advice that I do have for you.","start":9.679999,"end":13.44,"sentiment":"neutral","sentiment_score":0.31879207805583354},{"text":"Is now still a good time?","start":13.44,"end":14.9,"sentiment":"neutral","sentiment_score":0.2388020952542623}],"sentiment":"neutral","sentiment_score":0.33054431831395187,"channel":0,"num_words":27,"start":9.12,"end":14.9},{"sentences":[{"text":"Yep.","start":15.44,"end":15.765,"sentiment":"neutral","sentiment_score":0.12110869586467744}],"sentiment":"neutral","sentiment_score":0.12110869586467744,"channel":1,"num_words":1,"start":15.44,"end":15.765},{"sentences":[{"text":"Yep.","start":16.595,"end":17.075,"sentiment":"neutral","sentiment_score":0.1770360767841339},{"text":"Fantastic.","start":17.075,"end":17.575,"sentiment":"positive","sentiment_score":0.5634950399398804},{"text":"How's your day been so far?","start":17.955,"end":19.654999,"sentiment":"neutral","sentiment_score":0.30404962102572125}],"sentiment":"neutral","sentiment_score":0.3206036053597927,"channel":0,"num_words":8,"start":16.595,"end":19.654999},{"sentences":[{"text":"Yeah.","start":20.725,"end":21.205,"sentiment":"neutral","sentiment_score":0.09333620965480804},{"text":"Not bad.","start":21.205,"end":21.765,"sentiment":"neutral","sentiment_score":0.08286667987704277},{"text":"Busy day at work, but it doesn't feel","start":21.765,"end":23.685,"sentiment":"neutral","sentiment_score":0.002165031502954662}],"sentiment":"neutral","sentiment_score":0.025126347402957352,"channel":1,"num_words":11,"start":20.725,"end":23.685},{"sentences":[{"text":"Yeah?","start":23.395,"end":23.895,"sentiment":"neutral","sentiment_score":0.10810251533985138}],"sentiment":"neutral","sentiment_score":0.10810251533985138,"channel":0,"num_words":1,"start":23.395,"end":23.895},{"sentences":[{"text":"good.","start":23.685,"end":24.185,"sentiment":"neutral","sentiment_score":0.2210490107536316}],"sentiment":"neutral","sentiment_score":0.2210490107536316,"channel":1,"num_words":1,"start":23.685,"end":24.185},{"sentences":[{"text":"Uh-huh.","start":24.595,"end":24.994999,"sentiment":"neutral","sentiment_score":0.17423154413700104},{"text":"Fantastic.","start":24.994999,"end":25.494999,"sentiment":"positive","sentiment_score":0.579119086265564},{"text":"Rhiannon, before we jump into the call, just to let you know we do record our calls moving forward for training and quality purposes.","start":26.355,"end":31.17,"sentiment":"neutral","sentiment_score":0.2703973564008872},{"text":"Are you happy for me to proceed with that?","start":31.17,"end":33.03,"sentiment":"neutral","sentiment_score":0.26353180242909324}],"sentiment":"neutral","sentiment_score":0.27470495445387705,"channel":0,"num_words":35,"start":24.595,"end":33.03},{"sentences":[{"text":"Yeah.","start":33.510002,"end":33.75,"sentiment":"neutral","sentiment_score":0.10142889618873596},{"text":"No worries.","start":33.75,"end":34.49,"sentiment":"neutral","sentiment_score":0.16711483895778656}],"sentiment":"neutral","sentiment_score":0.14521952470143637,"channel":1,"num_words":3,"start":33.510002,"end":34.49},{"sentences":[{"text":"Lovely.","start":34.85,"end":35.17,"sentiment":"neutral","sentiment_score":0.2940506935119629},{"text":"And as to the security there with you as well, I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":35.17,"end":40.55,"sentiment":"neutral","sentiment_score":0.13276712673491445}],"sentiment":"neutral","sentiment_score":0.13814324562748273,"channel":0,"num_words":30,"start":34.85,"end":40.55},{"sentences":[{"text":"Yeah.","start":40.870003,"end":41.27,"sentiment":"neutral","sentiment_score":0.05470012128353119},{"text":"It's Rhiannon Elizabeth Brodie, July 1984, and my address is 47 Cambridge Street,","start":41.27,"end":47.815002,"sentiment":"neutral","sentiment_score":0.03975280517568955}],"sentiment":"neutral","sentiment_score":0.040820470611963956,"channel":1,"num_words":14,"start":40.870003,"end":47.815002},{"sentences":[{"text":"Yep.","start":47.665,"end":48.165,"sentiment":"neutral","sentiment_score":0.03804449737071991}],"sentiment":"neutral","sentiment_score":0.03804449737071991,"channel":0,"num_words":1,"start":47.665,"end":48.165},{"sentences":[{"text":"Cook 26","start":47.815002,"end":48.775,"sentiment":"neutral","sentiment_score":0.023671206086874008}],"sentiment":"neutral","sentiment_score":0.023671206086874008,"channel":1,"num_words":2,"start":47.815002,"end":48.775},{"sentences":[{"text":"Yep.","start":48.704998,"end":49.025,"sentiment":"neutral","sentiment_score":0.023952288553118702}],"sentiment":"neutral","sentiment_score":0.023952288553118702,"channel":0,"num_words":1,"start":48.704998,"end":49.025},{"sentences":[{"text":"14.","start":48.775,"end":49.515,"sentiment":"neutral","sentiment_score":0.058871474117040634}],"sentiment":"neutral","sentiment_score":0.058871474117040634,"channel":1,"num_words":1,"start":48.775,"end":49.515},{"sentences":[{"text":"Beautiful.","start":49.025,"end":49.525,"sentiment":"neutral","sentiment_score":0.3004317283630371},{"text":"Lovely.","start":49.985,"end":50.465,"sentiment":"positive","sentiment_score":0.36249688267707825},{"text":"Thank you so much.","start":50.465,"end":51.684998,"sentiment":"positive","sentiment_score":0.40125836431980133},{"text":"I actually sorry.","start":52.385,"end":53.665,"sentiment":"neutral","sentiment_score":-0.016910769045352936},{"text":"You said Cambridge Street?","start":53.665,"end":55.285,"sentiment":"neutral","sentiment_score":-0.02211100608110428}],"sentiment":"neutral","sentiment_score":0.1637527489891419,"channel":0,"num_words":13,"start":49.025,"end":55.285},{"sentences":[{"text":"Yeah.","start":56.055,"end":56.555,"sentiment":"neutral","sentiment_score":-0.008393265306949615}],"sentiment":"neutral","sentiment_score":-0.008393265306949615,"channel":1,"num_words":1,"start":56.055,"end":56.555},{"sentences":[{"text":"Have","start":58.030003,"end":58.190002,"sentiment":"neutral","sentiment_score":-0.01033957116305828}],"sentiment":"neutral","sentiment_score":-0.01033957116305828,"channel":0,"num_words":1,"start":58.030003,"end":58.190002},{"sentences":[{"text":"Did","start":58.11,"end":58.27,"sentiment":"neutral","sentiment_score":-0.015729645267128944}],"sentiment":"neutral","sentiment_score":-0.015729645267128944,"channel":1,"num_words":1,"start":58.11,"end":58.27},{"sentences":[{"text":"you","start":58.190002,"end":58.43,"sentiment":"neutral","sentiment_score":-0.01776091195642948}],"sentiment":"neutral","sentiment_score":-0.01776091195642948,"channel":0,"num_words":1,"start":58.190002,"end":58.43},{"sentences":[{"text":"you 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week?","start":59.149998,"end":60.03,"sentiment":"neutral","sentiment_score":-0.02010844787582755},{"text":"They might not have had the chance to update it.","start":60.03,"end":62.449997,"sentiment":"neutral","sentiment_score":-0.08282536081969738}],"sentiment":"neutral","sentiment_score":-0.06490624283573457,"channel":1,"num_words":14,"start":59.149998,"end":62.449997},{"sentences":[{"text":"No.","start":62.670002,"end":62.91,"sentiment":"neutral","sentiment_score":-0.06553670018911362},{"text":"That's okay.","start":62.91,"end":63.63,"sentiment":"neutral","sentiment_score":-0.034010738134384155},{"text":"I'll just have a quick look back on the other file and make sure.","start":63.63,"end":67.81,"sentiment":"neutral","sentiment_score":0.005661547849220889},{"text":"What was the last address I should have on 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just give me that new address?","start":82.15501,"end":83.595,"sentiment":"neutral","sentiment_score":0.032709377352148294}],"sentiment":"neutral","sentiment_score":0.04415734922108443,"channel":0,"num_words":23,"start":78.795006,"end":83.595},{"sentences":[{"text":"I'll make sure I update that, sir, after the call for you to make it easier.","start":83.595,"end":87.05545,"sentiment":"neutral","sentiment_score":0.06039842730388045},{"text":"Sorry about that.","start":87.05545,"end":87.57,"sentiment":"neutral","sentiment_score":-0.08042187243700027}],"sentiment":"neutral","sentiment_score":0.038163643134267705,"channel":0,"num_words":19,"start":83.595,"end":87.57},{"sentences":[{"text":"No.","start":87.68,"end":87.92,"sentiment":"neutral","sentiment_score":-0.05537715554237366},{"text":"That's okay.","start":87.92,"end":88.64,"sentiment":"neutral","sentiment_score":-0.02068001963198185},{"text":"Yeah.","start":88.64,"end":88.88,"sentiment":"neutral","sentiment_score":0.011988787911832333},{"text":"So it's number it's the same number, and then it's","start":88.88,"end":91.7,"sentiment":"neutral","sentiment_score":0.01746739475056529}],"sentiment":"neutral","sentiment_score":0.006423252900796277,"channel":1,"num_words":14,"start":87.68,"end":91.7},{"sentences":[{"text":"Yep.","start":91.229996,"end":91.729996,"sentiment":"neutral","sentiment_score":0.01202930323779583}],"sentiment":"neutral","sentiment_score":0.01202930323779583,"channel":0,"num_words":1,"start":91.229996,"end":91.729996},{"sentences":[{"text":"Cambridge Street, C A M B R I D G E,","start":91.76,"end":96.26,"sentiment":"neutral","sentiment_score":0.01601449264721437}],"sentiment":"neutral","sentiment_score":0.01601449264721437,"channel":1,"num_words":11,"start":91.76,"end":96.26},{"sentences":[{"text":"Yep.","start":96.67,"end":97.17,"sentiment":"neutral","sentiment_score":0.015739934518933296}],"sentiment":"neutral","sentiment_score":0.015739934518933296,"channel":0,"num_words":1,"start":96.67,"end":97.17},{"sentences":[{"text":"Cook, and so it's the same suburb.","start":98.0,"end":99.905,"sentiment":"neutral","sentiment_score":0.020404476140226637},{"text":"It's so funny.","start":99.905,"end":100.465,"sentiment":"neutral","sentiment_score":0.07111750915646553},{"text":"We're just literally around the 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list,","start":1240.24,"end":1240.88,"sentiment":"neutral","sentiment_score":0.033923810347914696}],"sentiment":"neutral","sentiment_score":0.033923810347914696,"channel":1,"num_words":2,"start":1240.24,"end":1240.88},{"sentences":[{"text":"a solicitor.","start":1240.575,"end":1241.235,"sentiment":"neutral","sentiment_score":0.03761420026421547}],"sentiment":"neutral","sentiment_score":0.03761420026421547,"channel":0,"num_words":2,"start":1240.575,"end":1241.235},{"sentences":[{"text":"actually.","start":1240.88,"end":1241.38,"sentiment":"neutral","sentiment_score":0.03747046738862991},{"text":"So, hopefully,","start":1241.76,"end":1242.74,"sentiment":"neutral","sentiment_score":0.053756508976221085}],"sentiment":"neutral","sentiment_score":0.048327828447024025,"channel":1,"num_words":3,"start":1240.88,"end":1242.74},{"sentences":[{"text":"Yeah.","start":1242.56,"end":1243.06,"sentiment":"neutral","sentiment_score":0.05944567173719406}],"sentiment":"neutral","sentiment_score":0.05944567173719406,"channel":0,"num_words":1,"start":1242.56,"end":1243.06},{"sentences":[{"text":"in the next couple of months, I've got","start":1243.255,"end":1244.775,"sentiment":"neutral","sentiment_score":0.057359413243830204}],"sentiment":"neutral","sentiment_score":0.057359413243830204,"channel":1,"num_words":8,"start":1243.255,"end":1244.775},{"sentences":[{"text":"Yeah.","start":1244.68,"end":1245.18,"sentiment":"neutral","sentiment_score":0.08043157309293747}],"sentiment":"neutral","sentiment_score":0.08043157309293747,"channel":0,"num_words":1,"start":1244.68,"end":1245.18},{"sentences":[{"text":"that all sorted.","start":1244.775,"end":1245.6749,"sentiment":"neutral","sentiment_score":0.10400346914927165},{"text":"Yeah.","start":1245.975,"end":1246.475,"sentiment":"neutral","sentiment_score":0.1184493750333786}],"sentiment":"neutral","sentiment_score":0.10761494562029839,"channel":1,"num_words":4,"start":1244.775,"end":1246.475},{"sentences":[{"text":"Oh, good.","start":1246.8,"end":1247.2001,"sentiment":"neutral","sentiment_score":0.23605449497699738},{"text":"Well, if you like, we can also send I'm not sure if I sent the the lawyer referral last time we spoke or not, but we can also send through some information to you just on a local solicitor here on the Gold Coast.","start":1247.2001,"end":1257.2949,"sentiment":"neutral","sentiment_score":0.06119119456376542},{"text":"There's a bit of a price on how much they cost to do offer will.","start":1257.2949,"end":1260.355,"sentiment":"neutral","sentiment_score":0.05612598732113838},{"text":"They do them via email and everything as well, email, phone, but it also can be helpful just to start the conversation as well.","start":1260.735,"end":1267.715,"sentiment":"neutral","sentiment_score":0.1076088398694992}],"sentiment":"neutral","sentiment_score":0.07751792373464388,"channel":0,"num_words":85,"start":1246.8,"end":1267.715},{"sentences":[{"text":"Yeah.","start":1267.91,"end":1268.23,"sentiment":"neutral","sentiment_score":0.19743022322654724},{"text":"Happy for you to send through.","start":1268.23,"end":1269.67,"sentiment":"positive","sentiment_score":0.3762834717830022},{"text":"And then yeah.","start":1269.67,"end":1270.605,"sentiment":"neutral","sentiment_score":0.1611398458480835}],"sentiment":"neutral","sentiment_score":0.2938550591468811,"channel":1,"num_words":10,"start":1267.91,"end":1270.605},{"sentences":[{"text":"Yep.","start":1270.29,"end":1270.79,"sentiment":"neutral","sentiment_score":0.18364903330802915},{"text":"Absolutely.","start":1271.33,"end":1271.83,"sentiment":"neutral","sentiment_score":0.30361780524253845},{"text":"I can organize that for you.","start":1272.05,"end":1273.33,"sentiment":"neutral","sentiment_score":0.2848670408129692},{"text":"I'll get my administration team member, Michelle, to organize that for you today to make sure you get that email through.","start":1273.33,"end":1279.35,"sentiment":"neutral","sentiment_score":0.25309061791215626},{"text":"But other than that, that's essentially the advice.","start":1279.81,"end":1281.97,"sentiment":"neutral","sentiment_score":0.16487588919699192}],"sentiment":"neutral","sentiment_score":0.23865889657188105,"channel":0,"num_words":37,"start":1270.29,"end":1281.97},{"sentences":[{"text":"It's a nice easy piece for you.","start":1281.97,"end":1283.665,"sentiment":"positive","sentiment_score":0.5660289866583688},{"text":"Just wanted to kinda go through it, let you ask any questions that you do have.","start":1283.665,"end":1287.285,"sentiment":"neutral","sentiment_score":0.2722147097811103},{"text":"There's no upfront or implementation cost of the advice that we're providing.","start":1287.8251,"end":1291.665,"sentiment":"neutral","sentiment_score":0.17620318879683813},{"text":"You're an ongoing service client, so we're providing advice to make sure that we're working with you and working towards your goals and providing advice in your best interest.","start":1291.665,"end":1299.64,"sentiment":"neutral","sentiment_score":0.24416348338127136},{"text":"Okay.","start":1299.64,"end":1300.14,"sentiment":"neutral","sentiment_score":0.07689832895994186}],"sentiment":"neutral","sentiment_score":0.2706110134720802,"channel":0,"num_words":65,"start":1281.97,"end":1300.14},{"sentences":[{"text":"No.","start":1300.5349,"end":1300.7749,"sentiment":"neutral","sentiment_score":0.04614093527197838},{"text":"That's really helpful.","start":1300.7749,"end":1301.6549,"sentiment":"neutral","sentiment_score":0.23540815711021423},{"text":"Thank you so much.","start":1301.6549,"end":1302.615,"sentiment":"positive","sentiment_score":0.5839887410402298},{"text":"Really appreciate it because I know, like, I've been happily","start":1302.615,"end":1305.355,"sentiment":"positive","sentiment_score":0.412313711643219}],"sentiment":"positive","sentiment_score":0.40063652706642944,"channel":1,"num_words":18,"start":1300.5349,"end":1305.355},{"sentences":[{"text":"Yeah.","start":1305.08,"end":1305.58,"sentiment":"neutral","sentiment_score":0.18205437064170835}],"sentiment":"neutral","sentiment_score":0.18205437064170835,"channel":0,"num_words":1,"start":1305.08,"end":1305.58},{"sentences":[{"text":"for a while.","start":1305.4149,"end":1306.235,"sentiment":"neutral","sentiment_score":0.12103711813688278},{"text":"So thank you.","start":1306.2949,"end":1307.4349,"sentiment":"neutral","sentiment_score":0.32194500664869946}],"sentiment":"neutral","sentiment_score":0.22149106239279112,"channel":1,"num_words":6,"start":1305.4149,"end":1307.4349},{"sentences":[{"text":"No.","start":1307.64,"end":1308.04,"sentiment":"neutral","sentiment_score":0.1255543828010559},{"text":"You are absolutely fine.","start":1308.04,"end":1309.48,"sentiment":"positive","sentiment_score":0.3486422076821327},{"text":"I honestly really appreciate it.","start":1309.48,"end":1310.8401,"sentiment":"positive","sentiment_score":0.6324450850486756},{"text":"I love talking to you.","start":1310.8401,"end":1312.22,"sentiment":"positive","sentiment_score":0.6143372133374214},{"text":"Looking forward to seeing where we're going in the future and what we can definitely do.","start":1312.595,"end":1316.115,"sentiment":"positive","sentiment_score":0.5986529719084501}],"sentiment":"positive","sentiment_score":0.5591123308385572,"channel":0,"num_words":31,"start":1307.64,"end":1316.115},{"sentences":[{"text":"We'll get this sorted, and then we'll keep doing reviews and updating things as as your life 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yeah.","start":1327.395,"end":1328.1951,"sentiment":"neutral","sentiment_score":0.22875998417536417},{"text":"Once you're happy to sign it, I'll get you to sign and return it back, and my team will have it implemented, and we'll make sure we do some catch ups with you through the year.","start":1328.1951,"end":1335.9569,"sentiment":"positive","sentiment_score":0.41662153684430653}],"sentiment":"positive","sentiment_score":0.4411397793076255,"channel":0,"num_words":55,"start":1323.635,"end":1335.9569},{"sentences":[{"text":"Sounds good.","start":1336.485,"end":1337.045,"sentiment":"positive","sentiment_score":0.7917754650115967},{"text":"Thanks, Dana.","start":1337.045,"end":1337.9451,"sentiment":"positive","sentiment_score":0.7635836601257324}],"sentiment":"positive","sentiment_score":0.7776795625686646,"channel":1,"num_words":4,"start":1336.485,"end":1337.9451},{"sentences":[{"text":"Thank you so much for","start":1338.517,"end":1339.4769,"sentiment":"positive","sentiment_score":0.7986588597297668}],"sentiment":"positive","sentiment_score":0.7986588597297668,"channel":0,"num_words":5,"start":1338.517,"end":1339.4769},{"sentences":[{"text":"Okay.","start":1339.4369,"end":1339.9369,"sentiment":"positive","sentiment_score":0.5710752010345459}],"sentiment":"positive","sentiment_score":0.5710752010345459,"channel":1,"num_words":1,"start":1339.4369,"end":1339.9369},{"sentences":[{"text":"your time.","start":1339.4769,"end":1339.877,"sentiment":"positive","sentiment_score":0.7421849071979523},{"text":"I hope you have a good afternoon.","start":1339.877,"end":1341.3369,"sentiment":"positive","sentiment_score":0.7613868628229413}],"sentiment":"positive","sentiment_score":0.7571197615729438,"channel":0,"num_words":9,"start":1339.4769,"end":1341.3369},{"sentences":[{"text":"You","start":1341.4369,"end":1341.757,"sentiment":"positive","sentiment_score":0.6342259645462036}],"sentiment":"positive","sentiment_score":0.6342259645462036,"channel":1,"num_words":1,"start":1341.4369,"end":1341.757},{"sentences":[{"text":"Thanks","start":1341.637,"end":1341.877,"sentiment":"positive","sentiment_score":0.8109347820281982}],"sentiment":"positive","sentiment_score":0.8109347820281982,"channel":0,"num_words":1,"start":1341.637,"end":1341.877},{"sentences":[{"text":"too.","start":1341.757,"end":1342.157,"sentiment":"positive","sentiment_score":0.6935313940048218}],"sentiment":"positive","sentiment_score":0.6935313940048218,"channel":1,"num_words":1,"start":1341.757,"end":1342.157},{"sentences":[{"text":"so 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Financial and an insurance company discuss updated advice and portfolio updates for Rhiannon, including retirement plans and insurance options. They also recommend consolidating coverage and maintaining credit scores for potential losses. The agents emphasize the importance of transferring insurance coverage and maintaining credit scores for investment success. They provide guidance on updating beneficiary nominations and recommend referring solicitors for help with updating beneficiaries' will and power of attorney. The process for updating beneficiaries' will and power of attorney is discussed, and the customer is grateful for the information."},"intents":{"segments":[{"text":"I had you booked in today just to run through some updated advice that I do have for you. Is now still a good time? Yep.","start_word":20,"end_word":45,"intents":[{"intent":"Update advice","confidence_score":0.11879896}]},{"text":"You and I kinda spoke last year about trying to maybe consolidate your super and looking at maybe transferring your insurance Yeah.","start_word":348,"end_word":369,"intents":[{"intent":"Consolidate super","confidence_score":0.59332806},{"intent":"Transfer insurance","confidence_score":0.32654095}]},{"text":"been happening between your portfolio. I kinda wanted to do it all at once and show you what we wanna do. So instead of providing different advice documents so it took a bit longer, and I apologize for that. Yep.","start_word":419,"end_word":458,"intents":[{"intent":"Show what we want","confidence_score":0.03138818}]},{"text":"Do if I send this through to your email, do you have access to your emails?","start_word":483,"end_word":498,"intents":[{"intent":"Access documents","confidence_score":0.017442707}]},{"text":"If you do happen to sign this after the sixty days, it's not a problem at all. We just reconfirm your circumstances for you.","start_word":672,"end_word":695,"intents":[{"intent":"Confirm circumstances","confidence_score":0.0025428773}]},{"text":"basically around looking to try and consolidate things for you, see if we can transfer your cover over, make things a bit cheaper, and save you a bit more money as well, as well as get your super working harder for you towards that goal in the future. Okay?","start_word":800,"end_word":848,"intents":[{"intent":"Consolidate and save money","confidence_score":0.032909155}]},{"text":"However, I have noted that you've got a binding lapsing nomination. So I have just made a recommendation to update that for you so you don't have to keep updating this nomination on a regular basis, and also taking into account the will and power of attorney information as well, just making sure that all of your estate planning is sorted for Yes.","start_word":909,"end_word":971,"intents":[{"intent":"Update nomination","confidence_score":0.2921002}]},{"text":"However, I have noted that you've got a binding lapsing nomination. So I have just made a recommendation to update that for you so you don't have to keep updating this nomination on a regular basis, and also taking into account the will and power of attorney information as well, just making sure that all of your estate planning is sorted for Yes. you.","start_word":909,"end_word":972,"intents":[{"intent":"Upgrade nomination","confidence_score":0.024945403}]},{"text":"On page number five, we do outline some areas that we're not looking at the advice at the moment. So we don't have any income protection or trauma at the moment.","start_word":975,"end_word":1005,"intents":[{"intent":"Reassure about income protection","confidence_score":0.00029558648}]},{"text":"Okay.","start_word":1215,"end_word":1215,"intents":[{"intent":"Update recommendations","confidence_score":0.11704001}]},{"text":"What I am looking to recommend is that we do move you out of ING, and we can consolidate over to Hub twenty four.","start_word":1699,"end_word":1722,"intents":[{"intent":"Consolidate into hub twenty four","confidence_score":0.0041336375}]},{"text":"The way we're able to do this is we're able to transfer the insurances that you do have within ING over to Hub twenty four.","start_word":1724,"end_word":1748,"intents":[{"intent":"Transfer insurances","confidence_score":0.5552173}]},{"text":"And by doing that, you still retain the same level of cover of life and TPD. You'll pay a little bit less in premiums, and that allows us to close off the ING, consolidate everything, and move it into hub twenty four.","start_word":1863,"end_word":1904,"intents":[{"intent":"Consolidate plans and manage insurances","confidence_score":2.8633012e-9}]},{"text":"And then we're gonna change your portfolio a little bit, and I'll show you what that looks like shortly.","start_word":1951,"end_word":1969,"intents":[{"intent":"Change portfolio","confidence_score":0.21435523}]},{"text":"But by completing the consolidation and altering your portfolio, you'll also save about $90 for the first year in administration fees and about $303 for the year in investment fees as well. So it saves you quite a significant amount of fees by consolidating and transferring everything over. Yep.","start_word":1970,"end_word":2018,"intents":[{"intent":"Save fees and investment fees","confidence_score":0.0030062567}]},{"text":"your hub twenty four super fund, we're also going to just rebalance that. The battery and lithium tax has been performing quite well. It's still a really good investment to have in your portfolio. We're just gonna reduce that exposure back a little bit to 7% for you. Yes.","start_word":2385,"end_word":2433,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.10317191}]},{"text":"We're just gonna reduce that exposure back a little bit to 7% for you. Yes.","start_word":2419,"end_word":2433,"intents":[{"intent":"Reduce exposure","confidence_score":0.19375649}]},{"text":"However, just wanna rebalance it back a little bit for you. So we'll be selling off some of the gains that it has made, cementing some of those gains, and reinvesting those for you in other areas. We just Yes.","start_word":2667,"end_word":2706,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.3640511}]},{"text":"So making sure that we rebalance the portfolio back every so often is really important for making sure you're not taking on too much risk or taking on too little risk at the same time. Okay?","start_word":2761,"end_word":2796,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.69563216}]},{"text":"We're also looking to keep the cybersecurity.","start_word":2796,"end_word":2802,"intents":[{"intent":"Maintain cybersecurity","confidence_score":0.7362769}]},{"text":"It is still a really good investment to have, so we're just gonna rebalance it back a little bit before as I we're actually gonna buy a bit more of it and increase the level that you have.","start_word":2836,"end_word":2873,"intents":[{"intent":"Maintain investment level","confidence_score":0.11661624}]},{"text":"also gonna keep you invested in the S and P five hundred.","start_word":2930,"end_word":2941,"intents":[{"intent":"Stay invested in s and p 500","confidence_score":0.0035403366}]},{"text":"So the S and P five hundred is the top 500 companies in The US, and it's still a really good investment to have.","start_word":2952,"end_word":2975,"intents":[{"intent":"Track company's ranks","confidence_score":0.000027820064}]},{"text":"But with the S and P 500, one of the benefits that's being invested in that is that you're tracking the top 500 companies. So you're following along with the S and P 500 index.","start_word":2997,"end_word":3031,"intents":[{"intent":"Track s and p 500 index","confidence_score":0.012821768}]},{"text":"All in all, it works in your best interest because we're able to consolidate everything.","start_word":3523,"end_word":3537,"intents":[{"intent":"Consolidate and manage portfolio","confidence_score":0.022520075}]},{"text":"And is there any like, in terms of time frame, like, the stuff I have to send my employer, Okay.","start_word":3642,"end_word":3661,"intents":[{"intent":"Send and update employer letters","confidence_score":0.0004887067}]},{"text":"Well, as soon as you sign the documents, I'll get the team to Yep. send out the choice of super form and the salary sacrifice Yep. letter for you. That way, realistically, all you need is a choice of super form, and you just pass it to your employer, and you just tell them to change your employer Yes.","start_word":3726,"end_word":3784,"intents":[{"intent":"Confirm letter and letter","confidence_score":0.000117420524}]},{"text":"If I get those letters out as soon as you've signed the advice document, then you've got a bit of time in case they miss the next pay run.","start_word":3805,"end_word":3833,"intents":[{"intent":"Provide advice for future pay runs","confidence_score":0.0062852683}]},{"text":"I've also just made a recommendation just to make sure that you do have a will and power of attorney in place, and we can refer you to a solicitor. We're not lawyers, so we can't really set up those for you. Yeah.","start_word":4225,"end_word":4267,"intents":[{"intent":"Assist with will and power of attorney","confidence_score":0.014726197},{"intent":"Provide advice on solicitor referral","confidence_score":0.027608434}]},{"text":"There's a bit of a price on how much they cost to do offer will. They do them via email and everything as well, email, phone, but it also can be helpful just to start the conversation as well. Yeah.","start_word":4344,"end_word":4383,"intents":[{"intent":"Provide advice on the cost of solicitor referral","confidence_score":0.0002085575}]},{"text":"I can organize that for you. I'll get my administration team member, Michelle, to organize that for you today to make sure you get that email through.","start_word":4395,"end_word":4421,"intents":[{"intent":"Organize the consultation","confidence_score":0.0060856086}]},{"text":"I love talking to you.","start_word":4530,"end_word":4534,"intents":[{"intent":"Wish for the conversation","confidence_score":0.00027304748}]}]},"sentiments":{"segments":[{"text":"Brandon's patient. Hi, Rhiannon. This is Dana from OQ Financial. How are you this afternoon? Yes.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.16843797266483307},{"text":"That's fine. That's good.","start_word":16,"end_word":19,"sentiment":"positive","sentiment_score":0.5821318030357361},{"text":"I had you booked in today just to run through some updated advice that I do have for you. Is now still a good time? Yep. Yep.","start_word":20,"end_word":46,"sentiment":"neutral","sentiment_score":0.26921430230140686},{"text":"Fantastic.","start_word":47,"end_word":47,"sentiment":"positive","sentiment_score":0.5634950399398804},{"text":"How's your day been so far? Yeah. Not bad. Busy day at work, but it doesn't feel Yeah? good. Uh-huh.","start_word":48,"end_word":67,"sentiment":"neutral","sentiment_score":0.1355503350496292},{"text":"Fantastic.","start_word":68,"end_word":68,"sentiment":"positive","sentiment_score":0.579119086265564},{"text":"Rhiannon, before we jump into the call, just to let you know we do record our calls moving forward for training and quality purposes. Are you happy for me to proceed with that? Yeah. No worries. Lovely. And as to the security there with you as well, I'll just get you to confirm your full name, date of birth, and address I should have on file. Yeah. It's Rhiannon Elizabeth Brodie, July 1984, and my address is 47 Cambridge Street, Yep. Cook 26 Yep. 14. Beautiful.","start_word":69,"end_word":154,"sentiment":"neutral","sentiment_score":0.1607699990272522},{"text":"Lovely. Thank you so much.","start_word":155,"end_word":159,"sentiment":"positive","sentiment_score":0.3821711838245392},{"text":"I actually sorry. You said Cambridge Street? Yeah. Have Did you you speak recently to someone moved? about that last week? They might not have had the chance to update it. No. That's okay. I'll just have a quick look back on the other file and make sure. What was the last address I should have on file? 47 Littleton Crescent. Yep. That's the one I have here. That's okay. I can update that for you. Can you just give me that new address? I'll make sure I update that, sir, after the call for you to make it easier. Sorry about that. No. That's okay. Yeah. So it's number it's the same number, and then it's Yep. Cambridge Street, C A M B R I D G E, Yep. Cook, and so it's the same suburb. It's so funny. We're just literally around the corner. Okay. Yeah. Oh, We finally nice. moved into our own house, so that's fine. Yeah.","start_word":160,"end_word":320,"sentiment":"neutral","sentiment_score":0.0306970477104187},{"text":"Oh, that's fantastic.","start_word":321,"end_word":323,"sentiment":"positive","sentiment_score":0.46211013197898865},{"text":"No. Excellent. I know it's been a little bit time. I do apologize for the delay there. We've updated the advice there for you. You and I kinda spoke last year about trying to maybe consolidate your super and looking at maybe transferring your insurance Yeah. since The everything's life in insurance. one place. Yeah. Yeah. Yeah. Yeah. I had it all kinda ready to go early this year, but then I've kinda gone back with the changes in the market. I've also updated your portfolio for you as well because of what's Oh, excellent. been happening between your portfolio. I kinda wanted to do it all at once and show you what we wanna do. So instead of providing different advice documents so it took a bit longer, and I apologize for that. Yep. Oh, that's But I'll alright. go through I've been busy I'll go all good. that's alright. I'll go through it all now with you. Do if I send this through to your email, do you have access to your emails? Are you able Yep. able to open the document there with me at all? Yeah. I'll get it out now.","start_word":324,"end_word":518,"sentiment":"neutral","sentiment_score":0.033141892957381715},{"text":"Excellent. I've just sent that one through to you. That's absolutely perfect. Okay. It's just that it's gone through, which is great.","start_word":519,"end_word":540,"sentiment":"positive","sentiment_score":0.5441266298294067},{"text":"Yes.","start_word":541,"end_word":541,"sentiment":"neutral","sentiment_score":0.3201887607574463},{"text":"I've got it. Beautiful. Beautiful.","start_word":542,"end_word":546,"sentiment":"positive","sentiment_score":0.4485868513584137},{"text":"Now on the front page there, when you open the email, I do have at the very bottom a whole bunch of additional attachments for you for the research that we've conducted. To make it easier, if you're just looking at the document there, you press the sign button. It lets you go in so you can kind of move up and down through the document there. Okay. Yes. Yes.","start_word":547,"end_word":616,"sentiment":"neutral","sentiment_score":0.15861715376377106},{"text":"Beautiful.","start_word":617,"end_word":617,"sentiment":"positive","sentiment_score":0.4289101958274842},{"text":"I mean, yes.","start_word":618,"end_word":620,"sentiment":"neutral","sentiment_score":0.24650347232818604},{"text":"Excellent.","start_word":621,"end_word":621,"sentiment":"positive","sentiment_score":0.3586488962173462},{"text":"On the front page, it has note there that, yeah, we have prepared the document for yourself as of the 04/01/2026. Our documents are valid for sixty days from the date on the document there. However, if if things come up because you're busy, life gets in the way.","start_word":622,"end_word":670,"sentiment":"neutral","sentiment_score":0.0296733807772398},{"text":"If you do happen to sign this after the sixty days, it's not a problem at all.","start_word":671,"end_word":687,"sentiment":"positive","sentiment_score":0.41974321007728577},{"text":"We just reconfirm your circumstances for you. The at the bottom there, it does have my representative number. So I'm a licensed adviser with Assic, and my registration number is 1304394 for you. Okay? Yep. To sort of show you what the document is about, to kinda start, I guess, I'll just go through sort of where we're where we're looking at. So we are looking at superannuation. Obviously, you're looking at hoping to retire. We noted around about the age of 60 there. When you get to that point at the time we last spoke, you're looking to draw an income of about $1,500 per week. So the advice is Yep.","start_word":688,"end_word":799,"sentiment":"neutral","sentiment_score":0.11635219305753708},{"text":"basically around looking to try and consolidate things for you, see if we can transfer your cover over, make things a bit cheaper, and save you a bit more money as well, as well as get your super working harder for you towards that goal in the future.","start_word":800,"end_word":847,"sentiment":"positive","sentiment_score":0.41519641876220703},{"text":"Okay? We've scoped in insurances as well, just making sure that we can look to consolidate.","start_word":848,"end_word":863,"sentiment":"neutral","sentiment_score":0.27718597650527954},{"text":"We've found a way to definitely do that for you, and we can download track books to get better, more retail cover.","start_word":864,"end_word":885,"sentiment":"positive","sentiment_score":0.4569270610809326},{"text":"And then I've also scoped the new state planning side of things.","start_word":886,"end_word":897,"sentiment":"neutral","sentiment_score":0.26105281710624695},{"text":"So you're happy with your beneficiary, noting that it was Cameron.","start_word":898,"end_word":908,"sentiment":"positive","sentiment_score":0.5542157292366028},{"text":"However, I have noted that you've got a binding lapsing nomination. So I have just made a recommendation to update that for you so you don't have to keep updating this nomination on a regular basis, and also taking into account the will and power of attorney information as well, just making sure that all of your estate planning is sorted for Yes. you. Okay? Yes. On page number five, we do outline some areas that we're not looking at the advice at the moment. So we don't have any income protection or trauma at the moment. When we last spoke, income protection wasn't a a big issue for you. You mentioned you had about three hundred hours of sick leave there.","start_word":909,"end_word":1030,"sentiment":"neutral","sentiment_score":0.016094904392957687},{"text":"You don't ever seem to get sick, which is a bonus to yourself. Yeah. Yeah. I'm pretty lucky. I'm in a pretty secure job Oh, even as well. good.","start_word":1031,"end_word":1059,"sentiment":"positive","sentiment_score":0.5701862573623657},{"text":"Right. Yeah. I don't, yeah, I don't have any, like, worries about that, Yeah.","start_word":1060,"end_word":1073,"sentiment":"neutral","sentiment_score":0.03448360413312912},{"text":"which is good. Oh, Yes. that's fantastic. That's excellent.","start_word":1074,"end_word":1082,"sentiment":"positive","sentiment_score":0.5766846537590027},{"text":"So we're not looking at income protection at the moment, and you don't have any trauma at the moment. Again, we're not looking at those sorts of options. That was something we had tried to get down the track. However, due to what was disclosed with regard to the drug use, that we have to kinda hold off around about Yes. twenty twenty seven, twenty eight. We're able to look at new cover for you since this is what Yes. we're doing in the interim. And then you and I can keep touching base down the track to work out when we're able to look at more appropriate cover or if that's what you wanna do, and we can sort of take it from there and reupdate the advice as we go. Okay. Yep. Perfect. Now to kind of run through the recommendations, what I'll do is I'll go through a couple of pages where I need you to kinda touch on the recommendations, how and why we're making them, how this looks for you, and then I'll let you take the document back so you can have a really good read of it. Okay? To make things a bit easier for you, if you can there, Brianna, just scroll down to page number 18 for me. This is the table that kinda shows most around the the most detail around the recommendations. I'll run through it with you, then you'll get a chance to go back and read it all and take it all in. Yes.","start_word":1083,"end_word":1339,"sentiment":"neutral","sentiment_score":0.06721250712871552},{"text":"Perfect.","start_word":1340,"end_word":1340,"sentiment":"positive","sentiment_score":0.35645028948783875},{"text":"So this is a fee comparison table here. Now at the moment, you do have your hub twenty four and your I n g super accounts there with the updated balances between the both of them. And underneath that, you'll see you're paying administration fees, investment fees, any other fees applicable, our ongoing service fee, your contributions are going in. And you had your nonconcessional contributions pay changed to salary sacrifice.","start_word":1341,"end_word":1411,"sentiment":"neutral","sentiment_score":0.1034056565291445},{"text":"So that definitely makes things a bit easier for you down the track as well.","start_word":1412,"end_word":1426,"sentiment":"positive","sentiment_score":0.4599432051181793},{"text":"Yes. Are you there? Sorry, Rhiannon. Yes. Sorry. I see Sorry. I thought My I just dog dropped was out. just, No. can you repeat that? Sorry. Yeah. Yeah. The You're line alright. went a bit That's funny. it. That's okay. I could hear a bit of a buzzing, so that's why I thought it dropped out. Yes. All good. With your nonconcessional contributions, last time we spoke, you were having those changed to salary sacrifice. And with the updated statements we received, it looks like they have all changed. So you're doing your salary sacrifice now instead of that regular nonconcessional transfer Yep. in. Is that right? Yep. Yep. Yep. Yep. Still the same way?","start_word":1427,"end_word":1542,"sentiment":"neutral","sentiment_score":0.017991306260228157},{"text":"Perfect. That'll definitely make things a little bit easier for you.","start_word":1543,"end_word":1553,"sentiment":"positive","sentiment_score":0.6076549291610718},{"text":"I know there has been a bit of trouble with ING in claiming those. Yeah. Yes. So this will make things a little bit easier for you as well. Okay? And at the moment with the ING insurance, you've got life and TPD, which is being paid out of there. You're currently paying about $621 for that cover there at the moment. Between the two super funds, you are in a growth portfolio. That growth portfolio generally sees about 80% of your super investing growth assets. So we're looking at things like Australian and international shares, listed property, and also commodities like gold and silver. And then the other 20% is normally invested in defensive assets, so things like cash, bonds, and fixed interest. With the three year rolling average of the current portfolio, you're in between the two funds. It's been averaging about 12.47%. What I am looking to recommend is that we do move you out of ING, and we can consolidate over to Hub twenty four. The way we're able to do this is we're able to transfer the insurances that you do have within ING over to Hub twenty four. So last year, we had a bit of a conversation. We went through some questions and looked at the transfer terms questions, and then I went back and did a bit of research for you. And it turns out you are eligible to have that transfer terms cover. What that essentially means is the cover within ING stays exactly the same at the same level, and we transfer that into Hub 24. It actually is cheaper to do that and transfer the cover over. When we looked at the quote to transfer, it's actually saving you about $421 on a yearly basis to complete the transfer terms and transfer the cover into hub twenty four. And by doing that, you still retain the same level of cover of life and TPD. You'll pay a little bit less in premiums, and that allows us to close off the ING, consolidate everything, and move it into hub twenty four.","start_word":1554,"end_word":1904,"sentiment":"neutral","sentiment_score":0.10334818737788332},{"text":"So you'll end up with one super fund.","start_word":1905,"end_word":1912,"sentiment":"positive","sentiment_score":0.3434463143348694},{"text":"Your insurances will be in hub twenty four to make it easier. We can then help you transfer your contributions, your salary sacrifice, and your employer contributions that are paid into hub twenty four to make it easier. And then we're gonna change your portfolio a little bit, and I'll show you what that looks like shortly. But by completing the consolidation and altering your portfolio, you'll also save about $90 for the first year in administration fees and about $303 for the year in investment fees as well. So it saves you quite a significant amount of fees by consolidating and transferring everything over. Yep.","start_word":1913,"end_word":2018,"sentiment":"neutral","sentiment_score":0.24089482426643372},{"text":"That sounds really good.","start_word":2019,"end_word":2022,"sentiment":"positive","sentiment_score":0.3893384039402008},{"text":"I'm just having a road. Yep. Yep. No. That's okay.","start_word":2023,"end_word":2032,"sentiment":"neutral","sentiment_score":0.04165676608681679},{"text":"That's perfect.","start_word":2033,"end_word":2034,"sentiment":"positive","sentiment_score":0.4504655003547669},{"text":"You're absolutely That's fine. no. That's exactly what I wanted. Yeah. Because I I was just looking, like, even your figures. Obviously, you did this in time, but there's, Yeah. I think, more. You must have Yeah. I'm just having a look at that. Yeah. Because it's now The I I n think g I've got super? up I've got up to 70 Yeah. 7,000 now in that Yeah. account. Yeah.","start_word":2035,"end_word":2105,"sentiment":"neutral","sentiment_score":0.04458975839153142},{"text":"Perfect.","start_word":2106,"end_word":2106,"sentiment":"positive","sentiment_score":0.41966694593429565},{"text":"So this was just the last balance we were able Yeah. to save. Yeah. So what Yeah. we do is before we do any of the rollovers, we'll reconfirm the balances and things Yeah. like that. Yeah. But once we've got the way this will essentially work is we'll do the transfer of your insurance cover first. So we won't transfer any Yes. anything from ING until your insurances are transferred over. And then once your insurances are showing in hub twenty four as confirmed, then we'll complete the rollover from ING to hub twenty four, which will close off the close off Yep. the super and cancel insurance cover. And we'll make sure we give you the letter for sales tax and the employer contribution form so you can have all those moved over as well to make it nice and easy for you. Okay? Yep.","start_word":2107,"end_word":2253,"sentiment":"neutral","sentiment_score":0.07229068130254745},{"text":"Perfect. That sounds good. Yeah. All good.","start_word":2254,"end_word":2260,"sentiment":"positive","sentiment_score":0.5483146905899048},{"text":"If you just go up slightly for me just to page number fifteen and sixteen, this is just sort of showing what we wanted to do to the portfolio. So I had kinda made mention that there were some changes that we wanted to make to your portfolio as well.","start_word":2261,"end_word":2310,"sentiment":"neutral","sentiment_score":0.14274679124355316},{"text":"So we have sort of noted that some of the investments well, most has been doing really well, and your portfolio has increased quite significantly.","start_word":2311,"end_word":2335,"sentiment":"positive","sentiment_score":0.3393811881542206},{"text":"Some of the underlying investments have been underperforming a little bit. So we wanted to maybe take the opportunity to also swap them out for you. Obviously, Yes. with closing of ING, we'll be selling all of those investors and moving the funds over for you. But within Yes. your hub twenty four super fund, we're also going to just rebalance that.","start_word":2336,"end_word":2397,"sentiment":"neutral","sentiment_score":0.08977407962083817},{"text":"The battery and lithium tax has been performing quite well. It's still a really good investment to have in your portfolio. We're just gonna reduce that exposure back a little bit to 7% for you.","start_word":2398,"end_word":2432,"sentiment":"positive","sentiment_score":0.5386106967926025},{"text":"Yes. With the Bennelong Australian Equities, that was put in your portfolio when you came on board originally as more of an actively managed managed fund. Their job was to try and outperform against the market, but, unfortunately, haven't been doing so, and they've been underperforming for you. So Yes. we have gone back and reviewed that this year and wanted to remove that out of there for you. So we're gonna sell all of the Benelon Australian equity components. And to make sure that you still do have some Australian equity component in your super fund, we're gonna put you in the BetaShares a 200, which is on the next page on the bottom of that table there. The Yes. BetaShares a 200 Yes. is actually Yes.","start_word":2433,"end_word":2560,"sentiment":"neutral","sentiment_score":-0.06071056809742004},{"text":"a cheap yeah. It's actually a cheaper investment to have. They pay really good dividends, and they are there to track the top 200 companies on the ASX.","start_word":2561,"end_word":2588,"sentiment":"positive","sentiment_score":0.5530179738998413},{"text":"So it's more of a passive fund. They're Yes. not trying to outperform against the market.","start_word":2589,"end_word":2604,"sentiment":"neutral","sentiment_score":0.3012489676475525},{"text":"They're participating in the market, but it saves you money and has shown greater performance over the past to make it worthwhile moving you out of and along and moving you into this investment.","start_word":2605,"end_word":2638,"sentiment":"positive","sentiment_score":0.4862518906593323},{"text":"Okay? We're also keeping physical gold. You do have about 10% in there at the moment.","start_word":2639,"end_word":2654,"sentiment":"neutral","sentiment_score":0.14807668328285217},{"text":"Physical gold has done beautifully across everyone's portfolio.","start_word":2655,"end_word":2662,"sentiment":"positive","sentiment_score":0.45989423990249634},{"text":"We wanna keep that. However, just wanna rebalance it back a little bit for you. So we'll be selling off some of the gains that it has made, cementing some of those gains, and reinvesting those for you in other areas. We just Yes. wanna hold about 60%. It's really important to kinda keep rebalancing your portfolio as well because you're in that growth exposure. And, realistically, if we don't rebalance the portfolio back, then some investments will grow more than others, which could leave you taking on more risk and leave you overexposed in certain areas. So making sure that we rebalance the portfolio back every so often is really important for making sure you're not taking on too much risk or taking on too little risk at the same time. Okay? We're also looking to keep the cybersecurity. Cybersecurity, your portfolio has been down a little bit. It has had a bit of a hit with what's been happening with Iran and The US, but we wanna keep it in there.","start_word":2663,"end_word":2835,"sentiment":"neutral","sentiment_score":0.03522389386430641},{"text":"It is still a really good investment to have, so we're just gonna rebalance it back a little bit before as I we're actually gonna buy a bit more of it and increase the level that you have.","start_word":2836,"end_word":2873,"sentiment":"positive","sentiment_score":0.4714016020298004},{"text":"So while that has taken a little bit of a dip, when we're kinda rebalancing it back or buying some more into it, sorry, we'll be able to buy into the dip and try and get some great growth as we do sort of move out of the the dip with that investment there. We're Yes. also gonna keep you invested in the S and P five hundred. This is on the next page, on page 16 there.","start_word":2874,"end_word":2951,"sentiment":"neutral","sentiment_score":0.11615625768899918},{"text":"So the S and P five hundred is the top 500 companies in The US, and it's still a really good investment to have.","start_word":2952,"end_word":2975,"sentiment":"positive","sentiment_score":0.4845629632472992},{"text":"I know a lot of people are quite square scared with what's happening between The US and Iran at the moment. But with the S and P 500, one of the benefits that's being invested in that is that you're tracking the top 500 companies. So you're following along with the S and P 500 index. And one of the cool things with the index is the investment committee that set up the indices, they actually meet every quarter, and they work out whether companies are eligible to remain in the S and P 500 index. And if they're not, they're removed out. And these sorts of investments like the iShares S and P 500 follow suit with that. So where companies are moved out of the index, they're also moved out of the S and P 500 iShares investment options. So you're always tracking the top 500 companies, and the companies within that investment option have been altered depending upon their eligibility to be part of the index or not. Okay?","start_word":2976,"end_word":3147,"sentiment":"neutral","sentiment_score":0.09147173317885676},{"text":"So this is a really good place to be. We do know even with what's happening in the short term with the volatile markets that over the longer term, the S and P 500 and The US market does provide great level of return. So it's really good to be invested in that area still.","start_word":3148,"end_word":3202,"sentiment":"positive","sentiment_score":0.5518342852592468},{"text":"We are keeping the Van Ness property. Property has, in some areas, taken a bit of a hit, but it's still a good place to have diversification in your portfolio. We don't wanna just have Australian and US equities. We wanna make sure that we're diversifying across different asset classes, different industries, and different areas as well, and having a bit of property in there is really important for you. And then we've also got the beta shares Raffy Aussie two hundred. This is giving you exposure to some of the middle small cap companies there. So branch here to try and get a better, greater growth in other areas, but still making sure we're tracking Australian equities. So we're not overexposing you to Australian equities in any way, shape, or form. We're just kind of branching out to look at different areas. Okay? That's kind of a general oversight. Do you have any questions about any of those investments? I try to limit going into a lot of details because not everyone's that interested in them. But did Yeah. you have any No. questions No. No. That in your was really helpful. in that? No. Yeah. That's Yeah. all No. good. That's Some all some helpful. oh, good. I like to just go over them briefly and then find out sort of how much more you'd like to know. Yeah. Some people go, yeah. That's enough. I'm over it. And some people go, no. Like, give me more.","start_word":3203,"end_word":3451,"sentiment":"neutral","sentiment_score":0.13588690757751465},{"text":"So it's all good.","start_word":3452,"end_word":3455,"sentiment":"positive","sentiment_score":0.39156681299209595},{"text":"You do see the table underneath that. So with hub twenty four, we do have to keep a certain cash component. So with your portfolio, with the balance you have, we'll just make sure we keep a cash target of 1.25%, which is estimated to be just over $3,300 in there for you. Okay? That's essentially the portfolio and how it works in the major recommendations there.","start_word":3456,"end_word":3522,"sentiment":"neutral","sentiment_score":0.14792108535766602},{"text":"All in all, it works in your best interest because we're able to consolidate everything. Having everything in one place is there to save you money, but also make sure your super is working harder for you.","start_word":3523,"end_word":3559,"sentiment":"positive","sentiment_score":0.47488105297088623},{"text":"Having one super fund is definitely gonna be easier than having the two, and it means you've had a lot of issues with ING over the past. So having everything Yeah.","start_word":3560,"end_word":3590,"sentiment":"neutral","sentiment_score":0.22594967484474185},{"text":"in hub twenty four means that we can kinda consolidate and look at everything for you. And if Yep. you need anything, you just come to us, and we will help you deal with it all to make it 10 times easier for you.","start_word":3591,"end_word":3634,"sentiment":"positive","sentiment_score":0.3615576326847077},{"text":"Yeah. No. Okay?","start_word":3635,"end_word":3637,"sentiment":"neutral","sentiment_score":0.14743663370609283},{"text":"That sounds really good.","start_word":3638,"end_word":3641,"sentiment":"positive","sentiment_score":0.4095691740512848},{"text":"And is there any like, in terms of time frame, like, the stuff I have to send my employer, Okay. will you is there a no is there Yep. you know how there's something you can send them just because I could Yep. have let them know. I can probably not Yep. let them know. I I think they you know, this pay runs just happened. So we've got another one in two weeks if I Yep. get that updated. Yep. Yeah. Yeah. Absolutely. Well, as soon as you sign the documents, I'll get the team to Yep. send out the choice of super form and the salary sacrifice Yep. letter for you. That way, realistically, all you need is a choice of super form, and you just pass it to your employer, and you just tell them to change your employer Yes. Yes. contributions and yourself back to that Yes. 24 fund, and they'll make sure that that happens for you. Yeah. If I get those letters out as soon as you've signed the advice document, then you've got a bit of time in case they miss the next pay run. They've got a few after Yes. while we are getting Yes. the insurance transferred. And then once we have everything moved over, then we'll close-up the ING account to make it on nice and smooth line there for you. Okay? Yes. Yeah.","start_word":3642,"end_word":3875,"sentiment":"neutral","sentiment_score":0.07936851546550408},{"text":"Great. All good.","start_word":3876,"end_word":3878,"sentiment":"positive","sentiment_score":0.6722444891929626},{"text":"I do like to be really honest and let you know there are CGT consequences for the recommendations. So because we are buying and selling and switching investments there, on the research I was able to do, we do estimate that the CGT consequence to your super fund is $254. Oh, So that's just okay. like, Yeah. yeah, so just like you do a tax return, your superfund does one as well. And have 20 Yep. four is just expected to pay $2.54 for CGT for Yep. the split of all those investments, which isn't too bad at all because some of them are down. At the moment, we're able to use some of the the lower investments that are seeing a bit of a downtime to offset some of the gains for what we're cementing as well.","start_word":3879,"end_word":4016,"sentiment":"neutral","sentiment_score":0.12046660482883452},{"text":"So it kind of works out really well.","start_word":4017,"end_word":4024,"sentiment":"positive","sentiment_score":0.4428938925266266},{"text":"Yep.","start_word":4025,"end_word":4025,"sentiment":"neutral","sentiment_score":0.21723055839538577},{"text":"That sounds all fine.","start_word":4026,"end_word":4029,"sentiment":"positive","sentiment_score":0.3361104726791382},{"text":"Yep. So I'll have a All rate, and good. I'll probably sign this today then. Yep. Yeah. Absolutely. The only other part is I've put in there is just updating your beneficiary nominations. At the moment, we have it as a binding lapsing nomination. And, look, it's absolutely fine if you wanna keep it that way. But a binding lapsing nomination means that we have to update that cut of every three years. I am recommending that we update that nomination now just making sure Cameron is the beneficiary. I can see he is the beneficiary here currently. But then we can make it a binding non lapsing nomination, which binds the trustee to follow the direction. But a non lapsing nominee basically means that it stays there permanently. It doesn't have to be updated every Okay. three years. And because we do reviews with you every year, we check your nominations are still Yes. valid. And when and if you Yep. tell us they're no longer valid, we will help you and Of just that. make sure Yeah. they get updated for you. Yeah. That's Yeah.","start_word":4030,"end_word":4216,"sentiment":"neutral","sentiment_score":0.09205888029446894},{"text":"all I'm good. happy with that.","start_word":4217,"end_word":4222,"sentiment":"positive","sentiment_score":0.5981426239013672},{"text":"Yep.","start_word":4223,"end_word":4223,"sentiment":"neutral","sentiment_score":0.3305920362472534},{"text":"Beautiful.","start_word":4224,"end_word":4224,"sentiment":"positive","sentiment_score":0.6398158073425293},{"text":"I've also just made a recommendation just to make sure that you do have a will and power of attorney in place, and we can refer you to a solicitor. We're not lawyers, so we can't really set up those for you. Yeah. However, Someone we do refer just you put to new list, a solicitor. actually. So, hopefully, Yeah. in the next couple of months, I've got Yeah. that all sorted. Yeah. Oh, good. Well, if you like, we can also send I'm not sure if I sent the the lawyer referral last time we spoke or not, but we can also send through some information to you just on a local solicitor here on the Gold Coast. There's a bit of a price on how much they cost to do offer will. They do them via email and everything as well, email, phone, but it also can be helpful just to start the conversation as well. Yeah.","start_word":4225,"end_word":4383,"sentiment":"neutral","sentiment_score":0.09207288920879364},{"text":"Happy for you to send through.","start_word":4384,"end_word":4389,"sentiment":"positive","sentiment_score":0.38066115975379944},{"text":"And then yeah. Yep. Absolutely. I can organize that for you. I'll get my administration team member, Michelle, to organize that for you today to make sure you get that email through. But other than that, that's essentially the advice.","start_word":4390,"end_word":4429,"sentiment":"neutral","sentiment_score":0.2266571968793869},{"text":"It's a nice easy piece for you.","start_word":4430,"end_word":4436,"sentiment":"positive","sentiment_score":0.5408310890197754},{"text":"Just wanted to kinda go through it, let you ask any questions that you do have. There's no upfront or implementation cost of the advice that we're providing. You're an ongoing service client, so we're providing advice to make sure that we're working with you and working towards your goals and providing advice in your best interest. Okay. No. That's really helpful.","start_word":4437,"end_word":4498,"sentiment":"neutral","sentiment_score":0.22597406804561615},{"text":"Thank you so much. Really appreciate it because I know, like, I've been happily Yeah.","start_word":4499,"end_word":4513,"sentiment":"positive","sentiment_score":0.4165098071098328},{"text":"for a while. So thank you. No.","start_word":4514,"end_word":4520,"sentiment":"neutral","sentiment_score":0.19839191436767575},{"text":"You are absolutely fine. I honestly really appreciate it. I love talking to you. Looking forward to seeing where we're going in the future and what we can definitely do.","start_word":4521,"end_word":4550,"sentiment":"positive","sentiment_score":0.5873630523681641},{"text":"We'll get this sorted, and then we'll keep doing reviews and updating things as as your life changes.","start_word":4551,"end_word":4568,"sentiment":"neutral","sentiment_score":0.3015758693218231},{"text":"Yes. That sounds great. Oh, good. I'll let you go back and spend some time reading that one along, Rhianna.","start_word":4569,"end_word":4588,"sentiment":"positive","sentiment_score":0.5907909870147705},{"text":"And if yeah.","start_word":4589,"end_word":4591,"sentiment":"neutral","sentiment_score":0.21672677993774417},{"text":"Once you're happy to sign it, I'll get you to sign and return it back, and my team will have it implemented, and we'll make sure we do some catch ups with you through the year. Sounds good. Thanks, Dana. Thank you so much for Okay. your time. I hope you have a good afternoon. You Thanks too. so much. Okay.","start_word":4592,"end_word":4652,"sentiment":"positive","sentiment_score":0.5451484322547913},{"text":"Bye.","start_word":4653,"end_word":4653,"sentiment":"neutral","sentiment_score":0.32897183299064636},{"text":"See you later.","start_word":4654,"end_word":4656,"sentiment":"positive","sentiment_score":0.3853574693202973},{"text":"Bye.","start_word":4657,"end_word":4657,"sentiment":"neutral","sentiment_score":0.2064085453748703}],"average":{"sentiment":"neutral","sentiment_score":0.155624972786873}}}}