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Is now still a good time there for you? Yeah? Oh, good. I'm just I normally send through the document via email for you to review as well. Do you have access to your email, sir, at the moment? No. That's okay. It sounds like it might have caught you at a bad time. Is there a is a better time for us to go through things? I'm so sorry. Oh, okay. Oh, you you do have a lot happening. That's okay. Yeah. It is just normally easier if we kinda go through this together. Otherwise, is there a more suitable time that I can give you a call just to run through the updated advice? I'm happy to even try later this afternoon if you prefer. What would suit you? Do the same thing? Yeah. That's okay. I can make it as quick as possible, sort of run through things in, you know, the quickest time possible to make it easier on you if now is gonna be okay just to to go through it if you've got the spare ten, fifteen minutes. Yeah? Beautiful. Oh, good. Look. Before I jump into the call, Darren, I just have to let you know we do record our calls for quality training purposes. Are you happy for me to proceed with that? Fantastic. And I've just emailed through the document to you. If you are able to access your emails, if you wanna try and pull that one up, that would be fabulous, and I can just direct you through the the pages that I need you to make it easier on you. And just while that is coming through there, just to kind of also do a quick security check there for you just to get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. And, sorry, your address as well. I do apologize. Yeah. Beautiful. Fantastic. Thank you so much for that. So are you able jump into your emails there and pull that document up? Or Yep. That's okay. It might take a second to come through. Sometimes these do take a moment. Sorry. But I love technology when it wants to work for us. You said you're renovating at the moment. What sort of renovating are you doing? Wow. You're renovating a caravan? That is truly incredible, honestly. Yeah. Yeah. Is this for you to go away in? Or Oh, fantastic. Oh, that's honestly fantastic. And how long do you think it should take you to have the renovation completed on that one? Oh, fantastic. Wow. Have you taken a bit of time off to complete the renovation? Are you still working in between that? Yeah. Yeah. Oh, yeah. Yeah. Wow. Beautiful. Excellent. So if you press on the sign here button, it'll take you through so you can see the document there and scroll up and down through it. On the front of the document when you are looking at it, we'll just say statement of advice prepared for Darren Casa as of the 07/30/2026. This is when we prepared the document for you. And on the bottom, it has my license information. So I'm a registered financial adviser with Assic, and my license number is 1304394. Yep. It'll take you through. And once you move to the next section, you'll see the document. You should be able to scroll up and down through it. Yep. When it lets you move up and down to the pages there, if you can move down to page number three for me, you'll have the heading scope of advice considered. It's okay. You'll can be a little bit difficult on the phone. Understandable. Yeah. You're fine. Page number three. The heading should say scope of advice considered. Yep. Beautiful. So when we did your annual review, you wanted me to have a look at the the advice and have a look at your super just to kind of see, you know, how we were tracking, what we're looking forward to. Your goal then was to be able to retire around about age 65 to 67. Is that still kind of your goal over time and age at this point in time? Yep. Beautiful. We also scoped in the estate planning side of things as well. So we wanted to make sure that your beneficiaries are up to date and that you do have a will and power of attorney in place to reflect your wishes in the event that something was to happen. We've also, on the next page, just got a limited scope into the adviser. So we were looking at down the track what we're sort of tracking towards by age five 65 to 67 when you choose to retire and what sort of age pension eligibility you might be able to obtain at that time. Okay? Areas that we have scoped out is on page number five. So not looking at any cash on budgeting areas at the moment. So you guys wanted to take a holiday to Malta to see your dad. We're not providing advice in that area at the moment. You also wanted to look at possibly buying a house advice in that area at the moment. You also wanted to look at possibly buying a house in the future. We're scoping that out for the time being. It does honestly look like one of the things we talked about was the possibility of using some of your stupid down the track to be able to purchase a home. When I kind of run the projections for it, it really it honestly doesn't look like you're going to have enough to be able to do that as well as fund retirement. So we may have to look at other other areas or other ways to purchase a home down the track, but we can definitely help them provide advice around that for you. Okay? Yeah. No. Under yeah. Understand. Understandable. The other thing we looked at was your because you're over the age of 60 now, you also wanted me to look at whether a transition to retirement strategy would be able to assist you in any way. So I have had a really good look at the research and tried to work out best way to do it. One of the other things that you wanted to do was to pay off your debts. So you had a loan on your MUX, and you were hoping to be able to draw some money out of super to help pay down that debt. Do those goals still sound reflective? Does that kind of ring a bell to our last conversation, Darren? Yeah. Yeah. Nice to reduce it or get rid of it? Yeah. Yeah. No. Absolutely. Well, I did look at a way to utilize your super to help to reduce the debt as much as possible. Unfortunately, the research came back where we're not able to completely reduce it down to zero, but we are able to utilize a strategy to be able to take some of the funds out for you to help reduce it back. So at the time that we last spoke, the debt you had owing on the vehicle was around about 45,000. Have you been able to reduce that a little bit in the last few months at all? Yeah. Not much. Yeah. That's okay. No. That's okay. Well, if you sort of move down to page number 12, this is the start of the recommendations there for you. So, essentially, I did go back and look at that transition retirement strategy option. Unfortunately, with your occupation, because you are casual and your income does fluctuate very heavily, the TTR strategy where we increase contributions in and draw some out on a regular basis wasn't really working. So the way I've been able able to kind of help you to pay down some of that car loan is that we can start by opening up a TTR pension account just for this financial year. Essentially, this is just called a snap and grab. So what we do is we open up that pension account. We move all but about 10,000 over into that 10 CTR pension account. And under the rules of a transition retirement, you're allowed to draw at up to 10% of the funds. So we move some funds over, and we estimate you should be able to take about 17,450 and 16¢ out for this financial year. And we're gonna draw that down for you so you can put that on the loan. That would reduce your loan by approximately 17,450 and 16¢. Unfortunately, with the balance that you have, we're not able to fully draw out the full amount to cover the loan and draw it down to zero. But under the rules of that TTR account, we're able to at least access that 17,000 for you. So the way this essentially works is that because you are still working, we still keep your super your accumulation account in place. We leave about 10,000 plus the tax liability aside, and then the rest of the funds get rolled into a separate super. It's called a pension account, and it's a TTR pension account or transition to retirement pension account. From there, we're able to draw that 17,450 and 16¢ as a lump sum down that is drawn to your bank account. And then once we draw that money down, because we've accessed the full 10% of those funds available for this financial year, you won't be able to take any more money out of that account. We'll then roll those funds back into your super account. So you'll then only have one account, but it means you're able to access that money to help pay down your debt. Does that make sense? Yeah. Yeah. But we did look at doing that, the t the TTR strategy probably with increasing contributions in and being able to draw out on a regular basis. But, unfortunately, because your income does fluctuate quite heavily with you being casual, it just wasn't working properly. It wasn't providing any great benefit to you. So I went back to looking at this strategy because one of the things we talked about last you know, when we spoke last time was that you really wanted to try and reduce that debt as much as possible. So trying to access some of that money to do that was one of your goals that you'd mentioned you wanted me to look at. So this is a way that we're able to do that for you. Do you have any questions around that at the moment at all, Darren? You're allowed to let me know if you do. Yep. That's okay. As you once we're after the call, if you wanna take some time to go back and have a really good read through, we do have a lot more detail in there for you around the strategy, how it works, the advantages, the disadvantages, and the risks involved there as well. Okay? So, essentially, the first part of the strategy is to start by opening up that transition retirement pension account. We'll draw down that 10% for the year. And once that money hit your bank account, we'll close that account back off and roll those funds back into accumulation for you. Now if I can get you to go down to page number 18 for me, once those funds have gone back yeah. The other thing that we looked at was about making sure that your portfolio was working for you as well. So I had a really good look at the portfolio, the investments that you have within your super, and how that was working moving forward for you as well. So as we kinda went through, you're in more of a balanced growth environment, which generally sees about as 70% of your super invested in growth assets. So things like Australian and international shares, listed property, and commodities. Those are those ones that go up and down quite heavily and can make us quite nervous. I had a bit of a look at how you your portfolio was structured, making sure to keep you in that balanced growth environment there. And this page outlines what with any changes that we're gonna make to your portfolio. So, essentially, now you should be looking at page 18. There you can see a table with lots of different investments on it. Is that right? Yep. Yeah. All good. So having a look at this table here, you've actually currently got some physical gold. If you sort of follow it down, the third column shows you have about 9.92% physical gold in your portfolio at the moment. We wanna kinda rebalance it for you and make sure you hold 10%. So it means we're gonna buy a little bit more physical gold into your portfolio. You do also currently have the Benelong Australian Equities, which is the next investment noted down. That investment has been underperforming from your portfolio. So I've made the decision to remove that out. We're gonna sell that one down completely and move it. As much as we are, you know, looking to access some funds, we also as moving forward, wanna sure your soup is working as hard as possible. So anything underperforming is should be removed out of your portfolio. As you've also got the beta shares Raffi a 200, which is the next investment down. We're gonna sell that down as well. Essentially, we've found a much more low cost option of holding Australian equities, so that means just reevaluating the portfolio. So we're gonna sell those investments down to zero. You've also got the beta shares Aussie Bank hybrid. These are more of a complex investment, but they are being phased out by the government. So I'm gonna sell those down and remove those from your portfolio as well. You've also got the iShares Yield Plus. Not a bad investment in any way, shape, or form, but we are gonna sell those down and change your portfolio around a little bit. Your cybersecurity is we wanna keep some of that. You hold about 5.37 at the moment. We only wanna hold 4%, so we're gonna sell some of it and just retain the cybersecurity moving forward. The next one down is a ClearBridge infrastructure fund. That one, again, is not sort of performed as well as we sort of hoped. In the newer portfolio, it does mean that we can sell that down and replace it with something else. So we're gonna sell all of that investment to zero for you as well. Okay? The the s and p 500, this is giving you exposure to the top 500 companies within The US there. Within your portfolio, we wanna hold about 25%. You only hold about 20% at the moment, so we need to buy some more of that to bring you back to where you should be. And then the next one down is the JPMorgan Global Research enhanced equity fund. But this is more of an actively managed fund. It's about utilizing JPMorgan's research team to find where there are areas to be purchased or areas where there might be additional growth. Because of your balanced growth environment, we're looking at trying to reduce the risk level as much as possible. So having more actively managed funds does mean that this investment can underperform in the future. So I am looking to reduce your risk level by moving this one out of there for you. We're gonna sell that one down to zero. To make sure you still have more than just the two investments that we've, you know, we're selling everything down, we're then gonna buy into the European market. So you'll hold 7% there. This is giving you exposure to all 16 European countries to giving you diversification. Underneath that, we're gonna hold 3% in the Japanese market. And then to keep diversification, because you're in that balanced growth environment area and you are wanting to access super in the near future, we are looking to try and reduce your risk level as much as possible. And one of the ways we do that is to diversify your portfolio. So the next one down is the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. So we're gonna hold 7% of that and giving you exposure to us into the whole world. As I mentioned before, we get we're removing the ban along Australian Equities in the Raffy a 200 because we found a much cheaper option for you. So we're gonna hold the BetaShares a 200. This is giving you exposures to the top 200 companies on the ASX. So it's actually giving you greater diversification, and it's a lower cost way of holding Australian equity exposure. And it how it's actually cheaper for your portfolio as well. One of the things I wanted to look at doing was trying to reduce the fees within your portfolio as much as possible as well. Okay? And then because you do still wanna hold defensive investments, they've got the core composite bonds. This essentially is giving you access to bonds, which pay income, which is important. The income is paid from the investment into your cash account within your super, and then it's reinvested back into your portfolio. We wanna hold 24% of this, so we're gonna buy a bit over $39,000 and for you into that investment. This is a lot, and I fully understand that. Do you have any questions about that so far about those changes that I'm making? No? Beautiful. Excellent. Essentially, it's just about making sure that you're in the best performing portfolio and essentially utilize past data and how portfolios have performed over the past to assess how they can perform in the future. And, essentially, investments that you might have had in your portfolio back three, four, five years ago do need to every now and then be updated and changed to reflect market changes. So it's important to have these sorts of things updated regularly for you. Okay? Excellent. If you can move down to page number 21, I can show you the main difference. Business. Yeah. See comparison table there. Beautiful. So the first column essentially has your Netwealth Super account with your current balance there. And then, obviously, this the recommended shows the balance after you've had that withdrawal out. So the way I would like to implement this is we start by doing opening up the pension account first, drawing down the 10%, that's 17,000 for you so you can pay down your debt. Then we roll the funds back into super, and then we do the investment switch for you. Okay? We do estimate that the CDT on the investments, which will be about $883. So we do know your your super fund, just like you, does a tax return every year. So whenever there are changes to investments, buyers, sales, income that's produced, your super fund does a tax return, and they pay income tax and CGT tax. So in order to make the switches to withdraw the funds and then also to complete the investment switch, the estimated CGT your super fund will take care of is about $883.70. Does that make sense? Yep. Beautiful. When we look at the difference in fees, so the by making these changes, we estimate that you'll save about $27 for the year on administration fees. The newer portfolio saves you $440 for the year in investment fees, and then any other fees applicable to the fund, about $42 there. So all in all, you're actually saving money. We're saving about if I add it all up for you, you're saving about $509 on fees by making the changes within your super fund. Does that make sense? Yep. Beautiful. The ongoing service fee for us looking after your super and going to the work we do and providing advice, that remains exactly the same. And then the contributions, I am also making a recommendation that once we've completed this now one thing we talked about was moving forward was the ability for you to maybe salary sacrifice and add more money into super. Once we've completed the changes, you've drawn the money out. We've rolled everything back into super and also made the switches. In order to make sure your super is working harder and providing us greater benefit down the track to get you as much money in the super as possible. I'm also making a recommendation that you do start salary sacrificing as well. Essentially, when I sort of looked at the projected outcome, it does show that whilst you have some eligibility for Centrelink down the track, your super balance wasn't quite, you know, growing enough to be able to provide sufficient relief with super sorry, with the age pension to be able to last as long as possible. So we sort of talked about starting to salary sacrifice, and you were comfortable with around about $50 per fortnight when we spoke. I'm actually gonna recommend that you start to salary sacrifice $50 per week into super. It means that you're putting a bit more back into super to replenish what you take out to pay down the debts, but it's also money invested working harder for you. We sort of need to increase contributions now so that when we get to retire in age of 65 or 67, that you've got a bit more money invested that you're able to then draw down on to assist and give as much last as long as possible in retirement. Does that make sense? Yeah. So, essentially, once with the recommendations to kinda break it down and make it as easy as possible, we'll start by opening up this transition retirement account for you. We can draw down the funds so you can pay down the debt, then we'll roll everything back into your super accumulation side of things. We'll do the investment switch to put you into the newer portfolio, which is cheaper and saving you on money and performing better. And then we'll also recommend that you do start salary sacrificing $50 per week out of your income. So putting a bit more into super, to have more money invested for your retirement. Does that make sense? Do you have any questions? Yeah. Yeah. Yeah. Yeah. So when I have a look at the the recommendations with increasing the salary sacrifice by $50 per week plus switching the investments. The old of the sorry. The newer portfolio has averaged about 10.19%. So we kind of, over the next five to ten years, can estimate that you should be able to end up in six years' time of 67 with around about 253,000, and around about four years, about 221,000. In ten years, if you decide to work a little bit longer, you could end up with a bit over 320,000 in super. So it's about just making sure that we have as much as possible in that super fund working harder for you. You all you do have the option if you decide you no longer wanna take the money out of super to pay down the the car loan. You could always just decide not to go ahead with that section of the strategy. It's just that I had to incorporate that because when we spoke last time, that was one of your goals. You sort of said I would like to be able to pay down that debt as soon as possible utilizing some of the super debt. So I've generated this strategy to make sure that you're able to hopefully pay down some of that car loan, which frees up a bit of your cash and saves on interest on the loan. But then we also alter the investments within super to keep them working harder, and then we also look at increasing the contributions in the super over the next four, six to ten years to kind of provide as big a boost as we possibly can to make sure that when you retire, you're able to draw down what you need to live on and supplement Centrelink there as well to kinda give you longevity. Does that make sense? Do you have any questions? You're welcome to let me know if anything doesn't. Well, at the sorry. So too much in order to have in super for the age pension? Yeah. So you definitely, with the projected outcome, are not gonna have too much in there. Essentially, the age pension thresholds do change and are indexed on a regular basis as well, so they could definitely go up between now to when you're eligible for age pension. But as a non homeowner, in order to access a full age pension currently as a couple, you essentially need to have assets under 766,000. So based on everything that I can see, you should be eligible for full age pension based on the current scenario. And then sorry. Yeah. No. So at the moment, you should be eligible full age pension at that point in time. Sorry. My computer started talking to me at the same time. I do apologize. Yeah. You should be eligible offset. Because the age pension, when you think about how much you make from that, it still doesn't really cover all of the expenditure and give someone, you know, a good quality of living. It's meant for a base level of expenditure and does tend to keep people around that poverty line. So we like to try and keep as much inside sleeper as possible so you can get as much age pension as possible, but then also draw some out of sleep with a supplement that to make sure you've got enough income to live on, just travel, to do whatever you wanna do. And then as as you get older, there is often more of an increase around what you need in the way of, you know, medical expenses and and care and things like that. It's you know, we all start off in retirement being able to travel and enjoy our going out for dinner and having fun and doing the things we want. But then, you know, as we kind of go through retirement, we end up, you know, ten, twenty, thirty. Some people live in retirement for forty years. So it's about making sure you've got some Centrelink and or super to supplement that to give you longevity to keep your money lasting as long as possible. That's kind of where I'm aiming at, but also helping to make sure we can get those debts paid down as quickly as possible for you as well, if that makes sense. Yeah. Yeah. Beautiful. I know it can be a lot. So I've you've got the document there in your emails. If you wanted to take some time today to read through the strategy, all the strategies outline what I'm recommending, how and why, how it relates back to your goals and your best interest duty. It's got the advantages, the disadvantages, and the risks involved. If you find you have any questions, please come back and let me know. But I'd definitely like you to take some time just to read over the document, you know, read those sections. Let me know if you have any questions there. And if you're happy to proceed with the advice, we'll get you to sign and return it back to us. It's also got your ongoing service agreement attached to that. So we when we did the annual review early in the year, it just looks like the ongoing service agreement wasn't signed. So we've attached it to the advice document, and we just ask that you sign and return that back to remain seeking our services and to remain a of IT Financial there as well. Okay? Excellent. On the very last page, if you find there's any section of the advice that you do not wish to proceed with, there is a little box that says multiline. You can just write in there. So if you didn't wanna, you know, go through with any section of the advice, you just write what you do not wish to proceed with, and we can make sure that that is followed through. Okay? All good. Do you have any questions, Darren? You're welcome to let me know if there's any that have come up. Please let me know if you need me to clarify things further for you. That's okay. Yeah. Yeah. That's fine. Take your time. Have a reach of the document there. My team will definitely follow-up with you to see if you do happen to have any questions. And if you are just happy to take on the advice and follow through, I'll get you to sign and return it back for me. Okay? All good. All good. Well, thank you so much for taking my call. I hope you have a good day. Good luck with the rest of the renovations on the caravan. Look. You're very you're doing better than I could. You're very handy. Yeah. Yeah. No. Oh, fantastic. All good. Well, I will let you go. Thank you so much for taking my call. You have a good rest of your day, and, again, just let me know if there are any questions in relations and advice document. Okay? Thank you, Darren. I'll talk to you soon. You have a good afternoon. Thanks. See you later. 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Darren. It's Dana from OQ Financial. How are you this morning? I'm very well. Thank you.\n\nThanks for asking. I had just looking to go through your updated statement of advice. Is now still a good time there for you? Yeah? Oh, good.\n\nI'm just I normally send through the document via email for you to review as well. Do you have access to your email, sir, at the moment? No. That's okay. It sounds like it might have caught you at a bad time.\n\nIs there a is a better time for us to go through things? I'm so sorry. Oh, okay. Oh, you you do have a lot happening. That's okay.\n\nYeah. It is just normally easier if we kinda go through this together. Otherwise, is there a more suitable time that I can give you a call just to run through the updated advice? I'm happy to even try later this afternoon if you prefer. What would suit you?\n\nDo the same thing? Yeah. That's okay. I can make it as quick as possible, sort of run through things in, you know, the quickest time possible to make it easier on you if now is gonna be okay just to to go through it if you've got the spare ten, fifteen minutes. Yeah?\n\nBeautiful. Oh, good. Look. Before I jump into the call, Darren, I just have to let you know we do record our calls for quality training purposes. Are you happy for me to proceed with that?\n\nFantastic. And I've just emailed through the document to you. If you are able to access your emails, if you wanna try and pull that one up, that would be fabulous, and I can just direct you through the the pages that I need you to make it easier on you. And just while that is coming through there, just to kind of also do a quick security check there for you just to get you to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nYep. And, sorry, your address as well. I do apologize. Yeah. Beautiful.\n\nFantastic. Thank you so much for that. So are you able jump into your emails there and pull that document up? Or Yep. That's okay.\n\nIt might take a second to come through. Sometimes these do take a moment. Sorry. But I love technology when it wants to work for us. You said you're renovating at the moment.\n\nWhat sort of renovating are you doing? Wow. You're renovating a caravan? That is truly incredible, honestly. Yeah.\n\nYeah. Is this for you to go away in? Or Oh, fantastic. Oh, that's honestly fantastic. And how long do you think it should take you to have the renovation completed on that one?\n\nOh, fantastic. Wow. Have you taken a bit of time off to complete the renovation? Are you still working in between that? Yeah.\n\nYeah. Oh, yeah. Yeah. Wow. Beautiful.\n\nExcellent. So if you press on the sign here button, it'll take you through so you can see the document there and scroll up and down through it. On the front of the document when you are looking at it, we'll just say statement of advice prepared for Darren Casa as of the 07/30/2026. This is when we prepared the document for you. And on the bottom, it has my license information.\n\nSo I'm a registered financial adviser with Assic, and my license number is 1304394. Yep. It'll take you through. And once you move to the next section, you'll see the document. You should be able to scroll up and down through it.\n\nYep. When it lets you move up and down to the pages there, if you can move down to page number three for me, you'll have the heading scope of advice considered. It's okay. You'll can be a little bit difficult on the phone. Understandable.\n\nYeah. You're fine. Page number three. The heading should say scope of advice considered. Yep.\n\nBeautiful. So when we did your annual review, you wanted me to have a look at the the advice and have a look at your super just to kind of see, you know, how we were tracking, what we're looking forward to. Your goal then was to be able to retire around about age 65 to 67. Is that still kind of your goal over time and age at this point in time? Yep.\n\nBeautiful. We also scoped in the estate planning side of things as well. So we wanted to make sure that your beneficiaries are up to date and that you do have a will and power of attorney in place to reflect your wishes in the event that something was to happen. We've also, on the next page, just got a limited scope into the adviser. So we were looking at down the track what we're sort of tracking towards by age five 65 to 67 when you choose to retire and what sort of age pension eligibility you might be able to obtain at that time.\n\nOkay? Areas that we have scoped out is on page number five. So not looking at any cash on budgeting areas at the moment. So you guys wanted to take a holiday to Malta to see your dad. We're not providing advice in that area at the moment.\n\nYou also wanted to look at possibly buying a house advice in that area at the moment. You also wanted to look at possibly buying a house in the future. We're scoping that out for the time being. It does honestly look like one of the things we talked about was the possibility of using some of your stupid down the track to be able to purchase a home. When I kind of run the projections for it, it really it honestly doesn't look like you're going to have enough to be able to do that as well as fund retirement.\n\nSo we may have to look at other other areas or other ways to purchase a home down the track, but we can definitely help them provide advice around that for you. Okay? Yeah. No. Under yeah.\n\nUnderstand. Understandable. The other thing we looked at was your because you're over the age of 60 now, you also wanted me to look at whether a transition to retirement strategy would be able to assist you in any way. So I have had a really good look at the research and tried to work out best way to do it. One of the other things that you wanted to do was to pay off your debts.\n\nSo you had a loan on your MUX, and you were hoping to be able to draw some money out of super to help pay down that debt. Do those goals still sound reflective? Does that kind of ring a bell to our last conversation, Darren? Yeah. Yeah.\n\nNice to reduce it or get rid of it? Yeah. Yeah. No. Absolutely.\n\nWell, I did look at a way to utilize your super to help to reduce the debt as much as possible. Unfortunately, the research came back where we're not able to completely reduce it down to zero, but we are able to utilize a strategy to be able to take some of the funds out for you to help reduce it back. So at the time that we last spoke, the debt you had owing on the vehicle was around about 45,000. Have you been able to reduce that a little bit in the last few months at all? Yeah.\n\nNot much. Yeah. That's okay. No. That's okay.\n\nWell, if you sort of move down to page number 12, this is the start of the recommendations there for you. So, essentially, I did go back and look at that transition retirement strategy option. Unfortunately, with your occupation, because you are casual and your income does fluctuate very heavily, the TTR strategy where we increase contributions in and draw some out on a regular basis wasn't really working. So the way I've been able able to kind of help you to pay down some of that car loan is that we can start by opening up a TTR pension account just for this financial year. Essentially, this is just called a snap and grab.\n\nSo what we do is we open up that pension account. We move all but about 10,000 over into that 10 CTR pension account. And under the rules of a transition retirement, you're allowed to draw at up to 10% of the funds. So we move some funds over, and we estimate you should be able to take about 17,450 and 16¢ out for this financial year. And we're gonna draw that down for you so you can put that on the loan.\n\nThat would reduce your loan by approximately 17,450 and 16¢. Unfortunately, with the balance that you have, we're not able to fully draw out the full amount to cover the loan and draw it down to zero. But under the rules of that TTR account, we're able to at least access that 17,000 for you. So the way this essentially works is that because you are still working, we still keep your super your accumulation account in place. We leave about 10,000 plus the tax liability aside, and then the rest of the funds get rolled into a separate super.\n\nIt's called a pension account, and it's a TTR pension account or transition to retirement pension account. From there, we're able to draw that 17,450 and 16¢ as a lump sum down that is drawn to your bank account. And then once we draw that money down, because we've accessed the full 10% of those funds available for this financial year, you won't be able to take any more money out of that account. We'll then roll those funds back into your super account. So you'll then only have one account, but it means you're able to access that money to help pay down your debt.\n\nDoes that make sense? Yeah. Yeah. But we did look at doing that, the t the TTR strategy probably with increasing contributions in and being able to draw out on a regular basis. But, unfortunately, because your income does fluctuate quite heavily with you being casual, it just wasn't working properly.\n\nIt wasn't providing any great benefit to you. So I went back to looking at this strategy because one of the things we talked about last you know, when we spoke last time was that you really wanted to try and reduce that debt as much as possible. So trying to access some of that money to do that was one of your goals that you'd mentioned you wanted me to look at. So this is a way that we're able to do that for you. Do you have any questions around that at the moment at all, Darren?\n\nYou're allowed to let me know if you do. Yep. That's okay. As you once we're after the call, if you wanna take some time to go back and have a really good read through, we do have a lot more detail in there for you around the strategy, how it works, the advantages, the disadvantages, and the risks involved there as well. Okay?\n\nSo, essentially, the first part of the strategy is to start by opening up that transition retirement pension account. We'll draw down that 10% for the year. And once that money hit your bank account, we'll close that account back off and roll those funds back into accumulation for you. Now if I can get you to go down to page number 18 for me, once those funds have gone back yeah. The other thing that we looked at was about making sure that your portfolio was working for you as well.\n\nSo I had a really good look at the portfolio, the investments that you have within your super, and how that was working moving forward for you as well. So as we kinda went through, you're in more of a balanced growth environment, which generally sees about as 70% of your super invested in growth assets. So things like Australian and international shares, listed property, and commodities. Those are those ones that go up and down quite heavily and can make us quite nervous. I had a bit of a look at how you your portfolio was structured, making sure to keep you in that balanced growth environment there.\n\nAnd this page outlines what with any changes that we're gonna make to your portfolio. So, essentially, now you should be looking at page 18. There you can see a table with lots of different investments on it. Is that right? Yep.\n\nYeah. All good. So having a look at this table here, you've actually currently got some physical gold. If you sort of follow it down, the third column shows you have about 9.92% physical gold in your portfolio at the moment. We wanna kinda rebalance it for you and make sure you hold 10%.\n\nSo it means we're gonna buy a little bit more physical gold into your portfolio. You do also currently have the Benelong Australian Equities, which is the next investment noted down. That investment has been underperforming from your portfolio. So I've made the decision to remove that out. We're gonna sell that one down completely and move it.\n\nAs much as we are, you know, looking to access some funds, we also as moving forward, wanna sure your soup is working as hard as possible. So anything underperforming is should be removed out of your portfolio. As you've also got the beta shares Raffi a 200, which is the next investment down. We're gonna sell that down as well. Essentially, we've found a much more low cost option of holding Australian equities, so that means just reevaluating the portfolio.\n\nSo we're gonna sell those investments down to zero. You've also got the beta shares Aussie Bank hybrid. These are more of a complex investment, but they are being phased out by the government. So I'm gonna sell those down and remove those from your portfolio as well. You've also got the iShares Yield Plus.\n\nNot a bad investment in any way, shape, or form, but we are gonna sell those down and change your portfolio around a little bit. Your cybersecurity is we wanna keep some of that. You hold about 5.37 at the moment. We only wanna hold 4%, so we're gonna sell some of it and just retain the cybersecurity moving forward. The next one down is a ClearBridge infrastructure fund.\n\nThat one, again, is not sort of performed as well as we sort of hoped. In the newer portfolio, it does mean that we can sell that down and replace it with something else. So we're gonna sell all of that investment to zero for you as well. Okay? The the s and p 500, this is giving you exposure to the top 500 companies within The US there.\n\nWithin your portfolio, we wanna hold about 25%. You only hold about 20% at the moment, so we need to buy some more of that to bring you back to where you should be. And then the next one down is the JPMorgan Global Research enhanced equity fund. But this is more of an actively managed fund. It's about utilizing JPMorgan's research team to find where there are areas to be purchased or areas where there might be additional growth.\n\nBecause of your balanced growth environment, we're looking at trying to reduce the risk level as much as possible. So having more actively managed funds does mean that this investment can underperform in the future. So I am looking to reduce your risk level by moving this one out of there for you. We're gonna sell that one down to zero. To make sure you still have more than just the two investments that we've, you know, we're selling everything down, we're then gonna buy into the European market.\n\nSo you'll hold 7% there. This is giving you exposure to all 16 European countries to giving you diversification. Underneath that, we're gonna hold 3% in the Japanese market. And then to keep diversification, because you're in that balanced growth environment area and you are wanting to access super in the near future, we are looking to try and reduce your risk level as much as possible. And one of the ways we do that is to diversify your portfolio.\n\nSo the next one down is the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. So we're gonna hold 7% of that and giving you exposure to us into the whole world. As I mentioned before, we get we're removing the ban along Australian Equities in the Raffy a 200 because we found a much cheaper option for you. So we're gonna hold the BetaShares a 200.\n\nThis is giving you exposures to the top 200 companies on the ASX. So it's actually giving you greater diversification, and it's a lower cost way of holding Australian equity exposure. And it how it's actually cheaper for your portfolio as well. One of the things I wanted to look at doing was trying to reduce the fees within your portfolio as much as possible as well. Okay?\n\nAnd then because you do still wanna hold defensive investments, they've got the core composite bonds. This essentially is giving you access to bonds, which pay income, which is important. The income is paid from the investment into your cash account within your super, and then it's reinvested back into your portfolio. We wanna hold 24% of this, so we're gonna buy a bit over $39,000 and for you into that investment. This is a lot, and I fully understand that.\n\nDo you have any questions about that so far about those changes that I'm making? No? Beautiful. Excellent. Essentially, it's just about making sure that you're in the best performing portfolio and essentially utilize past data and how portfolios have performed over the past to assess how they can perform in the future.\n\nAnd, essentially, investments that you might have had in your portfolio back three, four, five years ago do need to every now and then be updated and changed to reflect market changes. So it's important to have these sorts of things updated regularly for you. Okay? Excellent. If you can move down to page number 21, I can show you the main difference.\n\nBusiness. Yeah. See comparison table there. Beautiful. So the first column essentially has your Netwealth Super account with your current balance there.\n\nAnd then, obviously, this the recommended shows the balance after you've had that withdrawal out. So the way I would like to implement this is we start by doing opening up the pension account first, drawing down the 10%, that's 17,000 for you so you can pay down your debt. Then we roll the funds back into super, and then we do the investment switch for you. Okay? We do estimate that the CDT on the investments, which will be about $883.\n\nSo we do know your your super fund, just like you, does a tax return every year. So whenever there are changes to investments, buyers, sales, income that's produced, your super fund does a tax return, and they pay income tax and CGT tax. So in order to make the switches to withdraw the funds and then also to complete the investment switch, the estimated CGT your super fund will take care of is about $883.70. Does that make sense? Yep.\n\nBeautiful. When we look at the difference in fees, so the by making these changes, we estimate that you'll save about $27 for the year on administration fees. The newer portfolio saves you $440 for the year in investment fees, and then any other fees applicable to the fund, about $42 there. So all in all, you're actually saving money. We're saving about if I add it all up for you, you're saving about $509 on fees by making the changes within your super fund.\n\nDoes that make sense? Yep. Beautiful. The ongoing service fee for us looking after your super and going to the work we do and providing advice, that remains exactly the same. And then the contributions, I am also making a recommendation that once we've completed this now one thing we talked about was moving forward was the ability for you to maybe salary sacrifice and add more money into super.\n\nOnce we've completed the changes, you've drawn the money out. We've rolled everything back into super and also made the switches. In order to make sure your super is working harder and providing us greater benefit down the track to get you as much money in the super as possible. I'm also making a recommendation that you do start salary sacrificing as well. Essentially, when I sort of looked at the projected outcome, it does show that whilst you have some eligibility for Centrelink down the track, your super balance wasn't quite, you know, growing enough to be able to provide sufficient relief with super sorry, with the age pension to be able to last as long as possible.\n\nSo we sort of talked about starting to salary sacrifice, and you were comfortable with around about $50 per fortnight when we spoke. I'm actually gonna recommend that you start to salary sacrifice $50 per week into super. It means that you're putting a bit more back into super to replenish what you take out to pay down the debts, but it's also money invested working harder for you. We sort of need to increase contributions now so that when we get to retire in age of 65 or 67, that you've got a bit more money invested that you're able to then draw down on to assist and give as much last as long as possible in retirement. Does that make sense?\n\nYeah. So, essentially, once with the recommendations to kinda break it down and make it as easy as possible, we'll start by opening up this transition retirement account for you. We can draw down the funds so you can pay down the debt, then we'll roll everything back into your super accumulation side of things. We'll do the investment switch to put you into the newer portfolio, which is cheaper and saving you on money and performing better. And then we'll also recommend that you do start salary sacrificing $50 per week out of your income.\n\nSo putting a bit more into super, to have more money invested for your retirement. Does that make sense? Do you have any questions? Yeah. Yeah.\n\nYeah. Yeah. So when I have a look at the the recommendations with increasing the salary sacrifice by $50 per week plus switching the investments. The old of the sorry. The newer portfolio has averaged about 10.19%.\n\nSo we kind of, over the next five to ten years, can estimate that you should be able to end up in six years' time of 67 with around about 253,000, and around about four years, about 221,000. In ten years, if you decide to work a little bit longer, you could end up with a bit over 320,000 in super. So it's about just making sure that we have as much as possible in that super fund working harder for you. You all you do have the option if you decide you no longer wanna take the money out of super to pay down the the car loan. You could always just decide not to go ahead with that section of the strategy.\n\nIt's just that I had to incorporate that because when we spoke last time, that was one of your goals. You sort of said I would like to be able to pay down that debt as soon as possible utilizing some of the super debt. So I've generated this strategy to make sure that you're able to hopefully pay down some of that car loan, which frees up a bit of your cash and saves on interest on the loan. But then we also alter the investments within super to keep them working harder, and then we also look at increasing the contributions in the super over the next four, six to ten years to kind of provide as big a boost as we possibly can to make sure that when you retire, you're able to draw down what you need to live on and supplement Centrelink there as well to kinda give you longevity. Does that make sense?\n\nDo you have any questions? You're welcome to let me know if anything doesn't. Well, at the sorry. So too much in order to have in super for the age pension? Yeah.\n\nSo you definitely, with the projected outcome, are not gonna have too much in there. Essentially, the age pension thresholds do change and are indexed on a regular basis as well, so they could definitely go up between now to when you're eligible for age pension. But as a non homeowner, in order to access a full age pension currently as a couple, you essentially need to have assets under 766,000. So based on everything that I can see, you should be eligible for full age pension based on the current scenario. And then sorry.\n\nYeah. No. So at the moment, you should be eligible full age pension at that point in time. Sorry. My computer started talking to me at the same time.\n\nI do apologize. Yeah. You should be eligible offset. Because the age pension, when you think about how much you make from that, it still doesn't really cover all of the expenditure and give someone, you know, a good quality of living. It's meant for a base level of expenditure and does tend to keep people around that poverty line.\n\nSo we like to try and keep as much inside sleeper as possible so you can get as much age pension as possible, but then also draw some out of sleep with a supplement that to make sure you've got enough income to live on, just travel, to do whatever you wanna do. And then as as you get older, there is often more of an increase around what you need in the way of, you know, medical expenses and and care and things like that. It's you know, we all start off in retirement being able to travel and enjoy our going out for dinner and having fun and doing the things we want. But then, you know, as we kind of go through retirement, we end up, you know, ten, twenty, thirty. Some people live in retirement for forty years.\n\nSo it's about making sure you've got some Centrelink and or super to supplement that to give you longevity to keep your money lasting as long as possible. That's kind of where I'm aiming at, but also helping to make sure we can get those debts paid down as quickly as possible for you as well, if that makes sense. Yeah. Yeah. Beautiful.\n\nI know it can be a lot. So I've you've got the document there in your emails. If you wanted to take some time today to read through the strategy, all the strategies outline what I'm recommending, how and why, how it relates back to your goals and your best interest duty. It's got the advantages, the disadvantages, and the risks involved. If you find you have any questions, please come back and let me know.\n\nBut I'd definitely like you to take some time just to read over the document, you know, read those sections. Let me know if you have any questions there. And if you're happy to proceed with the advice, we'll get you to sign and return it back to us. It's also got your ongoing service agreement attached to that. So we when we did the annual review early in the year, it just looks like the ongoing service agreement wasn't signed.\n\nSo we've attached it to the advice document, and we just ask that you sign and return that back to remain seeking our services and to remain a of IT Financial there as well. Okay? Excellent. On the very last page, if you find there's any section of the advice that you do not wish to proceed with, there is a little box that says multiline. You can just write in there.\n\nSo if you didn't wanna, you know, go through with any section of the advice, you just write what you do not wish to proceed with, and we can make sure that that is followed through. Okay? All good. Do you have any questions, Darren? You're welcome to let me know if there's any that have come up.\n\nPlease let me know if you need me to clarify things further for you. That's okay. Yeah. Yeah. That's fine.\n\nTake your time. Have a reach of the document there. My team will definitely follow-up with you to see if you do happen to have any questions. And if you are just happy to take on the advice and follow through, I'll get you to sign and return it back for me. Okay?\n\nAll good. All good. Well, thank you so much for taking my call. I hope you have a good day. Good luck with the rest of the renovations on the caravan.\n\nLook. You're very you're doing better than I could. You're very handy. Yeah. Yeah.\n\nNo. Oh, fantastic. All good. Well, I will let you go. Thank you so much for taking my call.\n\nYou have a good rest of your day, and, again, just let me know if there are any questions in relations and advice document. Okay? Thank you, Darren. I'll talk to you soon. You have a good afternoon.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":6.08,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.20601247251033783},{"text":"It's Dana from OQ Financial.","start":6.8799996,"end":8.66,"sentiment":"neutral","sentiment_score":0.20875142216682435},{"text":"How are you this morning?","start":8.72,"end":9.86,"sentiment":"neutral","sentiment_score":0.28850674629211426},{"text":"I'm very well.","start":11.92,"end":12.799999,"sentiment":"positive","sentiment_score":0.6620384256045023},{"text":"Thank you.","start":12.799999,"end":13.2,"sentiment":"positive","sentiment_score":0.7482426464557648}],"sentiment":"positive","sentiment_score":0.3753480210023768,"num_words":17,"start":6.08,"end":13.2},{"sentences":[{"text":"Thanks for asking.","start":13.2,"end":14.025,"sentiment":"positive","sentiment_score":0.7126181125640869},{"text":"I had just looking to go through your updated statement of advice.","start":14.025,"end":16.585,"sentiment":"positive","sentiment_score":0.3509751483798027},{"text":"Is now still a good time there for you?","start":16.585,"end":18.525,"sentiment":"neutral","sentiment_score":0.3285316692458259},{"text":"Yeah?","start":21.385,"end":21.885,"sentiment":"neutral","sentiment_score":0.09533843398094176},{"text":"Oh, good.","start":22.505001,"end":23.085,"sentiment":"neutral","sentiment_score":0.25842492282390594}],"sentiment":"positive","sentiment_score":0.36735294152189185,"num_words":27,"start":13.2,"end":23.085},{"sentences":[{"text":"I'm just I normally send through the document via email for you to review as well.","start":23.785,"end":27.65,"sentiment":"neutral","sentiment_score":0.1714457576163113},{"text":"Do you have access to your email, sir, at the moment?","start":27.65,"end":31.83,"sentiment":"neutral","sentiment_score":0.03919477557594126},{"text":"No.","start":33.25,"end":33.489998,"sentiment":"neutral","sentiment_score":-0.22749975323677063},{"text":"That's okay.","start":33.489998,"end":34.21,"sentiment":"neutral","sentiment_score":-0.23945777118206024},{"text":"It sounds like it might have caught you at a bad time.","start":34.21,"end":36.61,"sentiment":"negative","sentiment_score":-0.3692963048815727}],"sentiment":"neutral","sentiment_score":-0.046754673832938784,"num_words":42,"start":23.785,"end":36.61},{"sentences":[{"text":"Is there a is a better time for us to go through things?","start":36.61,"end":39.73,"sentiment":"neutral","sentiment_score":-0.06903875561860892},{"text":"I'm so sorry.","start":39.73,"end":40.71,"sentiment":"neutral","sentiment_score":-0.2477336327234904},{"text":"Oh, okay.","start":45.075,"end":47.575,"sentiment":"neutral","sentiment_score":0.009960715658962727},{"text":"Oh, you you do have a lot happening.","start":48.355,"end":51.415,"sentiment":"neutral","sentiment_score":-0.03118528169579804},{"text":"That's okay.","start":52.115,"end":53.015,"sentiment":"neutral","sentiment_score":0.01857203431427479}],"sentiment":"neutral","sentiment_score":-0.06546862410115344,"num_words":28,"start":36.61,"end":53.015},{"sentences":[{"text":"Yeah.","start":54.035,"end":54.535,"sentiment":"neutral","sentiment_score":0.06822533905506134},{"text":"It is just normally easier if we kinda go through this together.","start":55.050003,"end":57.95,"sentiment":"neutral","sentiment_score":0.1214996079603831},{"text":"Otherwise, is there a more suitable time that I can give you a call just to run through the updated advice?","start":58.57,"end":63.13,"sentiment":"neutral","sentiment_score":0.09985093009613809},{"text":"I'm happy to even try later this afternoon if you prefer.","start":63.13,"end":66.25,"sentiment":"positive","sentiment_score":0.33419281108812854},{"text":"What would suit you?","start":66.25,"end":67.275,"sentiment":"neutral","sentiment_score":0.10531111620366573}],"sentiment":"neutral","sentiment_score":0.15756031741597215,"num_words":49,"start":54.035,"end":67.275},{"sentences":[{"text":"Do the same thing?","start":70.715004,"end":71.775,"sentiment":"neutral","sentiment_score":0.0275835026986897},{"text":"Yeah.","start":71.995,"end":72.395004,"sentiment":"neutral","sentiment_score":0.09144827723503111},{"text":"That's okay.","start":72.395004,"end":73.215004,"sentiment":"neutral","sentiment_score":0.20092806220054626},{"text":"I can make it as quick as possible, sort of run through things in, you know, the quickest time possible to make it easier on you if now is gonna be okay just to to go through it if you've got the spare ten, fifteen minutes.","start":73.675,"end":87.590004,"sentiment":"neutral","sentiment_score":0.21644456555014072},{"text":"Yeah?","start":87.73,"end":88.23,"sentiment":"neutral","sentiment_score":0.10045148432254793}],"sentiment":"neutral","sentiment_score":0.19741740577888708,"num_words":54,"start":70.715004,"end":88.23},{"sentences":[{"text":"Beautiful.","start":90.05,"end":90.55,"sentiment":"positive","sentiment_score":0.525400698184967},{"text":"Oh, good.","start":90.69,"end":91.090004,"sentiment":"positive","sentiment_score":0.3450191766023636},{"text":"Look.","start":91.090004,"end":91.25,"sentiment":"neutral","sentiment_score":0.2266261875629425},{"text":"Before I jump into the call, Darren, I just have to let you know we do record our calls for quality training purposes.","start":91.25,"end":96.125,"sentiment":"neutral","sentiment_score":0.10044589411953221},{"text":"Are you happy for me to proceed with that?","start":96.125,"end":98.225,"sentiment":"neutral","sentiment_score":0.20061218076282078}],"sentiment":"neutral","sentiment_score":0.15438417862686846,"num_words":36,"start":90.05,"end":98.225},{"sentences":[{"text":"Fantastic.","start":99.485,"end":99.985,"sentiment":"positive","sentiment_score":0.5815832614898682},{"text":"And I've just emailed through the document to you.","start":101.244995,"end":103.725,"sentiment":"neutral","sentiment_score":0.3171284498465765},{"text":"If you are able to access your emails, if you wanna try and pull that one up, that would be fabulous, and I can just direct you through the the pages that I need you to make it easier on you.","start":103.725,"end":113.439995,"sentiment":"positive","sentiment_score":0.3956386265231342},{"text":"And just while that is coming through there, just to kind of also do a quick security check there for you just to get you to confirm your full name, your date of birth, and address I should have on file.","start":113.82,"end":126.315,"sentiment":"neutral","sentiment_score":0.10567620981530082},{"text":"Yep.","start":126.315,"end":126.815,"sentiment":"neutral","sentiment_score":0.007366384379565716}],"sentiment":"neutral","sentiment_score":0.2580324084340264,"num_words":93,"start":99.485,"end":126.815},{"sentences":[{"text":"Yep.","start":128.715,"end":129.215,"sentiment":"neutral","sentiment_score":0.0076558999717235565},{"text":"And, sorry, your address as well.","start":132.235,"end":133.835,"sentiment":"neutral","sentiment_score":-0.00956274817387263},{"text":"I do apologize.","start":133.835,"end":134.58,"sentiment":"neutral","sentiment_score":-0.03300191151599089},{"text":"Yeah.","start":138.1,"end":138.6,"sentiment":"neutral","sentiment_score":0.06895023584365845},{"text":"Beautiful.","start":139.46,"end":139.96,"sentiment":"positive","sentiment_score":0.5342111587524414}],"sentiment":"neutral","sentiment_score":0.03786958924805125,"num_words":12,"start":128.715,"end":139.96},{"sentences":[{"text":"Fantastic.","start":142.5,"end":143.0,"sentiment":"positive","sentiment_score":0.6298016309738159},{"text":"Thank you so much for that.","start":143.22,"end":144.92,"sentiment":"positive","sentiment_score":0.6089813808600107},{"text":"So are you able jump into your emails there and pull that document up?","start":145.38,"end":150.77501,"sentiment":"neutral","sentiment_score":0.1366962700017861},{"text":"Or Yep.","start":150.77501,"end":153.675,"sentiment":"neutral","sentiment_score":0.030686328187584877},{"text":"That's okay.","start":154.13501,"end":154.85501,"sentiment":"neutral","sentiment_score":0.01821208093315363}],"sentiment":"neutral","sentiment_score":0.25180938057601454,"num_words":25,"start":142.5,"end":154.85501},{"sentences":[{"text":"It might take a second to come through.","start":154.85501,"end":156.615,"sentiment":"neutral","sentiment_score":-0.006359423627145588},{"text":"Sometimes these do take a moment.","start":156.615,"end":158.55501,"sentiment":"neutral","sentiment_score":-0.006495348953952392},{"text":"Sorry.","start":159.335,"end":159.835,"sentiment":"neutral","sentiment_score":-0.011195640079677103},{"text":"But I love technology when it wants to work for us.","start":160.13501,"end":164.72,"sentiment":"neutral","sentiment_score":0.061162130907177925},{"text":"You said you're renovating at the moment.","start":164.72,"end":166.48,"sentiment":"neutral","sentiment_score":-0.002420881230916296}],"sentiment":"neutral","sentiment_score":0.016811943895211727,"num_words":33,"start":154.85501,"end":166.48},{"sentences":[{"text":"What sort of renovating are you doing?","start":166.48,"end":168.26,"sentiment":"neutral","sentiment_score":-0.0004491661010043962},{"text":"Wow.","start":172.31999,"end":172.72,"sentiment":"neutral","sentiment_score":0.01395895890891552},{"text":"You're renovating a caravan?","start":172.72,"end":174.26,"sentiment":"neutral","sentiment_score":0.01660237554460764},{"text":"That is truly incredible, honestly.","start":176.23999,"end":178.28499,"sentiment":"positive","sentiment_score":0.37360915541648865},{"text":"Yeah.","start":182.265,"end":182.765,"sentiment":"neutral","sentiment_score":0.05328331142663956}],"sentiment":"neutral","sentiment_score":0.11103074371607767,"num_words":18,"start":166.48,"end":182.765},{"sentences":[{"text":"Yeah.","start":182.905,"end":183.405,"sentiment":"neutral","sentiment_score":0.029817387461662292},{"text":"Is this for you to go away in?","start":183.465,"end":185.545,"sentiment":"neutral","sentiment_score":0.012707058805972338},{"text":"Or Oh, fantastic.","start":185.545,"end":193.46,"sentiment":"neutral","sentiment_score":0.16381195870538554},{"text":"Oh, that's honestly fantastic.","start":196.8,"end":198.58,"sentiment":"neutral","sentiment_score":0.21668976545333862},{"text":"And how long do you think it should take you to have the renovation completed on that one?","start":198.8,"end":202.98,"sentiment":"neutral","sentiment_score":0.038231090642511845}],"sentiment":"neutral","sentiment_score":0.0640537772765931,"num_words":34,"start":182.905,"end":202.98},{"sentences":[{"text":"Oh, fantastic.","start":205.84,"end":206.74,"sentiment":"neutral","sentiment_score":0.1620187908411026},{"text":"Wow.","start":207.2,"end":207.7,"sentiment":"neutral","sentiment_score":0.04137292504310608},{"text":"Have you taken a bit of time off to complete the renovation?","start":208.345,"end":211.005,"sentiment":"neutral","sentiment_score":0.006862488109618425},{"text":"Are you still working in between that?","start":211.065,"end":213.005,"sentiment":"neutral","sentiment_score":-0.007270655328673976},{"text":"Yeah.","start":215.625,"end":216.125,"sentiment":"neutral","sentiment_score":0.01322128064930439}],"sentiment":"neutral","sentiment_score":0.01782987206040517,"num_words":23,"start":205.84,"end":216.125},{"sentences":[{"text":"Yeah.","start":219.545,"end":220.045,"sentiment":"neutral","sentiment_score":0.017723020166158676},{"text":"Oh, yeah.","start":226.01001,"end":226.83,"sentiment":"neutral","sentiment_score":0.03269896190613508},{"text":"Yeah.","start":228.41,"end":228.91,"sentiment":"neutral","sentiment_score":0.011737988330423832},{"text":"Wow.","start":230.41,"end":230.91,"sentiment":"neutral","sentiment_score":0.07822343707084656},{"text":"Beautiful.","start":236.615,"end":237.115,"sentiment":"positive","sentiment_score":0.4716780185699463}],"sentiment":"neutral","sentiment_score":0.10746006465827425,"num_words":6,"start":219.545,"end":237.115},{"sentences":[{"text":"Excellent.","start":237.495,"end":237.995,"sentiment":"neutral","sentiment_score":0.16267022490501404},{"text":"So if you press on the sign here button, it'll take you through so you can see the document there and scroll up and down through it.","start":238.135,"end":244.075,"sentiment":"neutral","sentiment_score":0.09829142289581122},{"text":"On the front of the document when you are looking at it, we'll just say statement of advice prepared for Darren Casa as of the 07/30/2026.","start":244.375,"end":252.45999,"sentiment":"neutral","sentiment_score":0.10313359533364956},{"text":"This is when we prepared the document for you.","start":252.45999,"end":254.7,"sentiment":"neutral","sentiment_score":0.15998784038755628},{"text":"And on the bottom, it has my license information.","start":254.7,"end":256.94,"sentiment":"neutral","sentiment_score":0.1145717120832867}],"sentiment":"neutral","sentiment_score":0.11068122352783878,"num_words":72,"start":237.495,"end":256.94},{"sentences":[{"text":"So I'm a registered financial adviser with Assic, and my license number is 1304394.","start":256.94,"end":262.47998,"sentiment":"neutral","sentiment_score":0.096322843006679},{"text":"Yep.","start":266.06,"end":266.3,"sentiment":"neutral","sentiment_score":0.11594461649656296},{"text":"It'll take you through.","start":266.3,"end":267.395,"sentiment":"neutral","sentiment_score":0.17769519612193108},{"text":"And once you move to the next section, you'll see the document.","start":267.395,"end":270.515,"sentiment":"neutral","sentiment_score":0.0874031347533067},{"text":"You should be able to scroll up and down through it.","start":270.515,"end":272.855,"sentiment":"neutral","sentiment_score":0.11774134297262538}],"sentiment":"neutral","sentiment_score":0.10760089506705602,"num_words":42,"start":256.94,"end":272.855},{"sentences":[{"text":"Yep.","start":277.715,"end":278.215,"sentiment":"neutral","sentiment_score":0.1415632963180542},{"text":"When it lets you move up and down to the pages there, if you can move down to page number three for me, you'll have the heading scope of advice considered.","start":279.475,"end":287.93002,"sentiment":"neutral","sentiment_score":0.08774320901401582},{"text":"It's okay.","start":300.405,"end":301.125,"sentiment":"neutral","sentiment_score":0.06905504316091537},{"text":"You'll can be a little bit difficult on the phone.","start":301.125,"end":307.41,"sentiment":"negative","sentiment_score":-0.35317246709018946},{"text":"Understandable.","start":307.41,"end":307.91,"sentiment":"neutral","sentiment_score":-0.2257068157196045}],"sentiment":"neutral","sentiment_score":-0.016838191656602754,"num_words":45,"start":277.715,"end":307.91},{"sentences":[{"text":"Yeah.","start":317.56998,"end":317.88998,"sentiment":"neutral","sentiment_score":0.07219637930393219},{"text":"You're fine.","start":317.88998,"end":318.615,"sentiment":"neutral","sentiment_score":0.10937849432229996},{"text":"Page number three.","start":338.07,"end":339.29,"sentiment":"neutral","sentiment_score":0.008069255389273167},{"text":"The heading should say scope of advice considered.","start":346.805,"end":349.145,"sentiment":"neutral","sentiment_score":0.03348727826960385},{"text":"Yep.","start":357.125,"end":357.525,"sentiment":"neutral","sentiment_score":0.31948623061180115}],"sentiment":"neutral","sentiment_score":0.0601697060589989,"num_words":15,"start":317.56998,"end":357.525},{"sentences":[{"text":"Beautiful.","start":357.525,"end":358.02,"sentiment":"positive","sentiment_score":0.6802574396133423},{"text":"So when we did your annual review, you wanted me to have a look at the the advice and have a look at your super just to kind of see, you know, how we were tracking, what we're looking forward to.","start":358.18,"end":367.0,"sentiment":"positive","sentiment_score":0.4704252961205273},{"text":"Your goal then was to be able to retire around about age 65 to 67.","start":367.22,"end":371.37997,"sentiment":"positive","sentiment_score":0.4118274350961049},{"text":"Is that still kind of your goal over time and age at this point in time?","start":371.37997,"end":376.79498,"sentiment":"neutral","sentiment_score":0.2935084132477641},{"text":"Yep.","start":376.79498,"end":377.195,"sentiment":"positive","sentiment_score":0.36627840995788574}],"sentiment":"positive","sentiment_score":0.4217232314718736,"num_words":74,"start":357.525,"end":377.195},{"sentences":[{"text":"Beautiful.","start":377.195,"end":377.695,"sentiment":"positive","sentiment_score":0.7375137805938721},{"text":"We also scoped in the estate planning side of things as well.","start":378.555,"end":381.595,"sentiment":"positive","sentiment_score":0.45597539097070694},{"text":"So we wanted to make sure that your beneficiaries are up to date and that you do have a will and power of attorney in place to reflect your wishes in the event that something was to happen.","start":381.595,"end":389.775,"sentiment":"positive","sentiment_score":0.38455430065330704},{"text":"We've also, on the next page, just got a limited scope into the adviser.","start":390.21,"end":393.91,"sentiment":"neutral","sentiment_score":0.10314702588532652},{"text":"So we were looking at down the track what we're sort of tracking towards by age five 65 to 67 when you choose to retire and what sort of age pension eligibility you might be able to obtain at that time.","start":393.97,"end":406.165,"sentiment":"neutral","sentiment_score":0.04249116414930762}],"sentiment":"neutral","sentiment_score":0.2264950753734359,"num_words":106,"start":377.195,"end":406.165},{"sentences":[{"text":"Okay?","start":406.165,"end":406.665,"sentiment":"neutral","sentiment_score":0.045689091086387634},{"text":"Areas that we have scoped out is on page number five.","start":408.725,"end":411.685,"sentiment":"neutral","sentiment_score":0.03898356126790697},{"text":"So not looking at any cash on budgeting areas at the moment.","start":411.685,"end":414.565,"sentiment":"neutral","sentiment_score":-0.18537452133993307},{"text":"So you guys wanted to take a holiday to Malta to see your dad.","start":414.565,"end":417.62897,"sentiment":"neutral","sentiment_score":0.1348921704505171},{"text":"We're not providing advice in that area at the moment.","start":417.62897,"end":417.749,"sentiment":"neutral","sentiment_score":-0.25476832687854767}],"sentiment":"neutral","sentiment_score":-0.050191226531751454,"num_words":48,"start":406.165,"end":417.749},{"sentences":[{"text":"You also wanted to look at possibly buying a house advice in that area at the moment.","start":417.749,"end":420.75,"sentiment":"neutral","sentiment_score":0.025168225388316548},{"text":"You also wanted to look at possibly buying a house in the future.","start":420.75,"end":423.81,"sentiment":"neutral","sentiment_score":0.1362584915298682},{"text":"We're scoping that out for the time being.","start":424.51,"end":426.59,"sentiment":"neutral","sentiment_score":0.10744436271488667},{"text":"It does honestly look like one of the things we talked about was the possibility of using some of your stupid down the track to be able to purchase a home.","start":426.59,"end":433.155,"sentiment":"neutral","sentiment_score":0.001108005162208311},{"text":"When I kind of run the projections for it, it really it honestly doesn't look like you're going to have enough to be able to do that as well as fund retirement.","start":433.715,"end":440.695,"sentiment":"neutral","sentiment_score":-0.2895682477392256}],"sentiment":"neutral","sentiment_score":-0.06111941232097031,"num_words":101,"start":417.749,"end":440.695},{"sentences":[{"text":"So we may have to look at other other areas or other ways to purchase a home down the track, but we can definitely help them provide advice around that for you.","start":441.395,"end":448.5,"sentiment":"neutral","sentiment_score":0.14807913289405406},{"text":"Okay?","start":448.5,"end":449.0,"sentiment":"neutral","sentiment_score":0.005970403552055359},{"text":"Yeah.","start":454.25998,"end":454.75998,"sentiment":"neutral","sentiment_score":-0.28085291385650635},{"text":"No.","start":456.34,"end":456.84,"sentiment":"neutral","sentiment_score":-0.28254395723342896},{"text":"Under yeah.","start":456.9,"end":458.84,"sentiment":"neutral","sentiment_score":-0.22480282187461853}],"sentiment":"neutral","sentiment_score":0.10085135517088142,"num_words":37,"start":441.395,"end":458.84},{"sentences":[{"text":"Understand.","start":459.13998,"end":459.63998,"sentiment":"neutral","sentiment_score":-0.13828101754188538},{"text":"Understandable.","start":460.09998,"end":460.59998,"sentiment":"neutral","sentiment_score":-0.11163316667079926},{"text":"The other thing we looked at was your because you're over the age of 60 now, you also wanted me to look at whether a transition to retirement strategy would be able to assist you in any way.","start":461.69998,"end":473.265,"sentiment":"neutral","sentiment_score":0.08807727652846982},{"text":"So I have had a really good look at the research and tried to work out best way to do it.","start":473.265,"end":477.69998,"sentiment":"neutral","sentiment_score":0.2810760715178081},{"text":"One of the other things that you wanted to do was to pay off your debts.","start":477.69998,"end":480.98,"sentiment":"neutral","sentiment_score":0.08842490101233125}],"sentiment":"neutral","sentiment_score":0.13525218496026545,"num_words":77,"start":459.13998,"end":480.98},{"sentences":[{"text":"So you had a loan on your MUX, and you were hoping to be able to draw some money out of super to help pay down that debt.","start":480.98,"end":487.96,"sentiment":"neutral","sentiment_score":0.12265179811843804},{"text":"Do those goals still sound reflective?","start":488.1,"end":490.44,"sentiment":"neutral","sentiment_score":0.12855200717846552},{"text":"Does that kind of ring a bell to our last conversation, Darren?","start":490.58,"end":501.2,"sentiment":"neutral","sentiment_score":-0.03640915375823776},{"text":"Yeah.","start":502.035,"end":502.535,"sentiment":"neutral","sentiment_score":-0.03471868857741356},{"text":"Yeah.","start":508.72998,"end":509.22998,"sentiment":"neutral","sentiment_score":0.03889293596148491}],"sentiment":"neutral","sentiment_score":0.07860055818067242,"num_words":48,"start":480.98,"end":509.22998},{"sentences":[{"text":"Nice to reduce it or get rid of it?","start":510.33,"end":512.67,"sentiment":"neutral","sentiment_score":0.2548529861701859},{"text":"Yeah.","start":514.25,"end":514.75,"sentiment":"neutral","sentiment_score":0.07882901281118393},{"text":"Yeah.","start":520.755,"end":521.255,"sentiment":"neutral","sentiment_score":0.20979881286621097},{"text":"No.","start":524.195,"end":524.595,"sentiment":"neutral","sentiment_score":0.0029834583401679993},{"text":"Absolutely.","start":524.595,"end":525.095,"sentiment":"neutral","sentiment_score":0.12348923832178116}],"sentiment":"neutral","sentiment_score":0.20836749214392442,"num_words":13,"start":510.33,"end":525.095},{"sentences":[{"text":"Well, I did look at a way to utilize your super to help to reduce the debt as much as possible.","start":525.235,"end":529.635,"sentiment":"positive","sentiment_score":0.36051009595394135},{"text":"Unfortunately, the research came back where we're not able to completely reduce it down to zero, but we are able to utilize a strategy to be able to take some of the funds out for you to help reduce it back.","start":529.635,"end":542.11,"sentiment":"neutral","sentiment_score":0.12161196023225784},{"text":"So at the time that we last spoke, the debt you had owing on the vehicle was around about 45,000.","start":542.11,"end":548.205,"sentiment":"neutral","sentiment_score":-0.04595529595389962},{"text":"Have you been able to reduce that a little bit in the last few months at all?","start":548.205,"end":551.825,"sentiment":"neutral","sentiment_score":0.017232650781379026},{"text":"Yeah.","start":558.045,"end":558.39,"sentiment":"neutral","sentiment_score":-0.01594029739499092}],"sentiment":"neutral","sentiment_score":0.119147112313658,"num_words":100,"start":525.235,"end":558.39},{"sentences":[{"text":"Not much.","start":558.71,"end":559.45,"sentiment":"neutral","sentiment_score":-0.16599193215370178},{"text":"Yeah.","start":559.83,"end":560.23004,"sentiment":"neutral","sentiment_score":-0.1969524472951889},{"text":"That's okay.","start":560.23004,"end":561.05,"sentiment":"negative","sentiment_score":-0.4454869031906128},{"text":"No.","start":561.99,"end":562.23004,"sentiment":"neutral","sentiment_score":-0.21875619888305664},{"text":"That's okay.","start":562.23004,"end":563.05,"sentiment":"neutral","sentiment_score":-0.11760126799345016}],"sentiment":"neutral","sentiment_score":-0.23423360660672188,"num_words":8,"start":558.71,"end":563.05},{"sentences":[{"text":"Well, if you sort of move down to page number 12, this is the start of the recommendations there for you.","start":563.11,"end":568.39,"sentiment":"neutral","sentiment_score":0.055155587515660694},{"text":"So, essentially, I did go back and look at that transition retirement strategy option.","start":568.39,"end":572.65,"sentiment":"neutral","sentiment_score":0.06308842423771109},{"text":"Unfortunately, with your occupation, because you are casual and your income does fluctuate very heavily, the TTR strategy where we increase contributions in and draw some out on a regular basis wasn't really working.","start":573.17505,"end":585.515,"sentiment":"neutral","sentiment_score":-0.28152666021795836},{"text":"So the way I've been able able to kind of help you to pay down some of that car loan is that we can start by opening up a TTR pension account just for this financial year.","start":585.575,"end":596.87,"sentiment":"neutral","sentiment_score":0.27718522178160176},{"text":"Essentially, this is just called a snap and grab.","start":597.25,"end":599.49,"sentiment":"neutral","sentiment_score":0.23358549343215096}],"sentiment":"neutral","sentiment_score":0.04198018675265105,"num_words":115,"start":563.11,"end":599.49},{"sentences":[{"text":"So what we do is we open up that pension account.","start":599.49,"end":601.91,"sentiment":"neutral","sentiment_score":0.2181404639374126},{"text":"We move all but about 10,000 over into that 10 CTR pension account.","start":602.13,"end":608.315,"sentiment":"neutral","sentiment_score":0.15405672100874093},{"text":"And under the rules of a transition retirement, you're allowed to draw at up to 10% of the funds.","start":608.455,"end":613.99506,"sentiment":"neutral","sentiment_score":0.1355711664808424},{"text":"So we move some funds over, and we estimate you should be able to take about 17,450 and 16¢ out for this financial year.","start":614.29504,"end":623.57996,"sentiment":"neutral","sentiment_score":0.22569566414408063},{"text":"And we're gonna draw that down for you so you can put that on the loan.","start":624.27997,"end":628.2,"sentiment":"neutral","sentiment_score":0.10738763678818941}],"sentiment":"neutral","sentiment_score":0.16935776955470805,"num_words":83,"start":599.49,"end":628.2},{"sentences":[{"text":"That would reduce your loan by approximately 17,450 and 16¢.","start":628.2,"end":633.915,"sentiment":"neutral","sentiment_score":0.06777407725652058},{"text":"Unfortunately, with the balance that you have, we're not able to fully draw out the full amount to cover the loan and draw it down to zero.","start":634.215,"end":640.715,"sentiment":"negative","sentiment_score":-0.4969433347384135},{"text":"But under the rules of that TTR account, we're able to at least access that 17,000 for you.","start":641.415,"end":647.02997,"sentiment":"neutral","sentiment_score":0.285027124815517},{"text":"So the way this essentially works is that because you are still working, we still keep your super your accumulation account in place.","start":647.49,"end":654.70996,"sentiment":"positive","sentiment_score":0.33725292008856067},{"text":"We leave about 10,000 plus the tax liability aside, and then the rest of the funds get rolled into a separate super.","start":655.17,"end":661.995,"sentiment":"neutral","sentiment_score":0.24727553941986777}],"sentiment":"neutral","sentiment_score":0.055756201346715294,"num_words":100,"start":628.2,"end":661.995},{"sentences":[{"text":"It's called a pension account, and it's a TTR pension account or transition to retirement pension account.","start":661.995,"end":667.53503,"sentiment":"neutral","sentiment_score":0.1505669232677011},{"text":"From there, we're able to draw that 17,450 and 16¢ as a lump sum down that is drawn to your bank account.","start":668.155,"end":677.2,"sentiment":"neutral","sentiment_score":0.2193973142476309},{"text":"And then once we draw that money down, because we've accessed the full 10% of those funds available for this financial year, you won't be able to take any more money out of that account.","start":677.26,"end":686.88,"sentiment":"neutral","sentiment_score":0.24093438046319143},{"text":"We'll then roll those funds back into your super account.","start":687.02,"end":689.955,"sentiment":"positive","sentiment_score":0.36042838394641874},{"text":"So you'll then only have one account, but it means you're able to access that money to help pay down your debt.","start":689.955,"end":695.47504,"sentiment":"positive","sentiment_score":0.35922563076019287}],"sentiment":"neutral","sentiment_score":0.25816126025858377,"num_words":106,"start":661.995,"end":695.47504},{"sentences":[{"text":"Does that make sense?","start":695.47504,"end":696.615,"sentiment":"neutral","sentiment_score":0.15138815715909004},{"text":"Yeah.","start":698.515,"end":699.015,"sentiment":"neutral","sentiment_score":0.07917100191116333},{"text":"Yeah.","start":699.075,"end":699.575,"sentiment":"neutral","sentiment_score":0.05886600539088249},{"text":"But we did look at doing that, the t the TTR strategy probably with increasing contributions in and being able to draw out on a regular basis.","start":700.03503,"end":707.01996,"sentiment":"neutral","sentiment_score":0.08191056935875504},{"text":"But, unfortunately, because your income does fluctuate quite heavily with you being casual, it just wasn't working properly.","start":707.01996,"end":713.51996,"sentiment":"negative","sentiment_score":-0.412540970577134}],"sentiment":"neutral","sentiment_score":-0.08765808748556118,"num_words":51,"start":695.47504,"end":713.51996},{"sentences":[{"text":"It wasn't providing any great benefit to you.","start":713.82,"end":716.855,"sentiment":"negative","sentiment_score":-0.37728233076632023},{"text":"So I went back to looking at this strategy because one of the things we talked about last you know, when we spoke last time was that you really wanted to try and reduce that debt as much as possible.","start":716.855,"end":727.095,"sentiment":"neutral","sentiment_score":0.24521044716238977},{"text":"So trying to access some of that money to do that was one of your goals that you'd mentioned you wanted me to look at.","start":727.095,"end":733.08997,"sentiment":"positive","sentiment_score":0.4698059320449829},{"text":"So this is a way that we're able to do that for you.","start":733.08997,"end":735.91,"sentiment":"positive","sentiment_score":0.6289971837630639},{"text":"Do you have any questions around that at the moment at all, Darren?","start":735.97,"end":739.32996,"sentiment":"neutral","sentiment_score":0.22343776661616105}],"sentiment":"neutral","sentiment_score":0.2991612312769649,"num_words":99,"start":713.82,"end":739.32996},{"sentences":[{"text":"You're allowed to let me know if you do.","start":739.32996,"end":741.02997,"sentiment":"neutral","sentiment_score":0.04923022414247195},{"text":"Yep.","start":745.57,"end":746.07,"sentiment":"positive","sentiment_score":0.43817681074142456},{"text":"That's okay.","start":746.52997,"end":747.515,"sentiment":"positive","sentiment_score":0.4122108519077301},{"text":"As you once we're after the call, if you wanna take some time to go back and have a really good read through, we do have a lot more detail in there for you around the strategy, how it works, the advantages, the disadvantages, and the risks involved there as well.","start":748.375,"end":762.57,"sentiment":"neutral","sentiment_score":0.1235626475775943},{"text":"Okay?","start":762.57,"end":763.07,"sentiment":"neutral","sentiment_score":0.0824529379606247}],"sentiment":"neutral","sentiment_score":0.12640341400401667,"num_words":64,"start":739.32996,"end":763.07},{"sentences":[{"text":"So, essentially, the first part of the strategy is to start by opening up that transition retirement pension account.","start":764.81,"end":770.01,"sentiment":"neutral","sentiment_score":0.1271686079470735},{"text":"We'll draw down that 10% for the year.","start":770.01,"end":772.33,"sentiment":"neutral","sentiment_score":0.12613379955291748},{"text":"And once that money hit your bank account, we'll close that account back off and roll those funds back into accumulation for you.","start":772.33,"end":778.545,"sentiment":"neutral","sentiment_score":0.10801645757063576},{"text":"Now if I can get you to go down to page number 18 for me, once those funds have gone back yeah.","start":778.765,"end":786.845,"sentiment":"neutral","sentiment_score":0.05515896427360448},{"text":"The other thing that we looked at was about making sure that your portfolio was working for you as well.","start":786.845,"end":791.85004,"sentiment":"neutral","sentiment_score":0.18666300624608995}],"sentiment":"neutral","sentiment_score":0.1180044544617767,"num_words":92,"start":764.81,"end":791.85004},{"sentences":[{"text":"So I had a really good look at the portfolio, the investments that you have within your super, and how that was working moving forward for you as well.","start":791.85004,"end":800.82495,"sentiment":"neutral","sentiment_score":0.2985277242701629},{"text":"So as we kinda went through, you're in more of a balanced growth environment, which generally sees about as 70% of your super invested in growth assets.","start":800.82495,"end":809.485,"sentiment":"neutral","sentiment_score":0.07640533163039773},{"text":"So things like Australian and international shares, listed property, and commodities.","start":809.70496,"end":813.40497,"sentiment":"neutral","sentiment_score":0.004830277101560073},{"text":"Those are those ones that go up and down quite heavily and can make us quite nervous.","start":813.46497,"end":817.19,"sentiment":"neutral","sentiment_score":-0.13653373586780884},{"text":"I had a bit of a look at how you your portfolio was structured, making sure to keep you in that balanced growth environment there.","start":817.97,"end":824.63,"sentiment":"neutral","sentiment_score":0.04956830948591232}],"sentiment":"neutral","sentiment_score":0.08891298379236405,"num_words":109,"start":791.85004,"end":824.63},{"sentences":[{"text":"And this page outlines what with any changes that we're gonna make to your portfolio.","start":824.85,"end":829.27,"sentiment":"neutral","sentiment_score":0.10489235172669092},{"text":"So, essentially, now you should be looking at page 18.","start":829.725,"end":833.485,"sentiment":"neutral","sentiment_score":0.07574933916330337},{"text":"There you can see a table with lots of different investments on it.","start":833.485,"end":836.285,"sentiment":"neutral","sentiment_score":0.06745433119627145},{"text":"Is that right?","start":836.285,"end":837.185,"sentiment":"neutral","sentiment_score":0.07711133360862732},{"text":"Yep.","start":839.40497,"end":839.90497,"sentiment":"neutral","sentiment_score":0.07484486699104309}],"sentiment":"neutral","sentiment_score":0.08366580573575837,"num_words":42,"start":824.85,"end":839.90497},{"sentences":[{"text":"Yeah.","start":841.485,"end":841.805,"sentiment":"neutral","sentiment_score":0.21276342868804932},{"text":"All good.","start":841.805,"end":842.445,"sentiment":"positive","sentiment_score":0.3464035987854004},{"text":"So having a look at this table here, you've actually currently got some physical gold.","start":842.445,"end":847.26,"sentiment":"neutral","sentiment_score":0.08799240986506145},{"text":"If you sort of follow it down, the third column shows you have about 9.92% physical gold in your portfolio at the moment.","start":847.32,"end":854.54,"sentiment":"neutral","sentiment_score":0.06961136262701906},{"text":"We wanna kinda rebalance it for you and make sure you hold 10%.","start":854.92,"end":858.745,"sentiment":"neutral","sentiment_score":0.23445177192871386}],"sentiment":"neutral","sentiment_score":0.12730353980980538,"num_words":54,"start":841.485,"end":858.745},{"sentences":[{"text":"So it means we're gonna buy a little bit more physical gold into your portfolio.","start":858.745,"end":862.285,"sentiment":"positive","sentiment_score":0.36105063557624817},{"text":"You do also currently have the Benelong Australian Equities, which is the next investment noted down.","start":863.305,"end":868.425,"sentiment":"neutral","sentiment_score":-0.008198608527891338},{"text":"That investment has been underperforming from your portfolio.","start":868.425,"end":871.42004,"sentiment":"negative","sentiment_score":-0.4836171977221966},{"text":"So I've made the decision to remove that out.","start":871.56,"end":874.12,"sentiment":"negative","sentiment_score":-0.4307466182443831},{"text":"We're gonna sell that one down completely and move it.","start":874.12,"end":877.26,"sentiment":"negative","sentiment_score":-0.37586723566055297}],"sentiment":"neutral","sentiment_score":-0.10723702940319119,"num_words":58,"start":858.745,"end":877.26},{"sentences":[{"text":"As much as we are, you know, looking to access some funds, we also as moving forward, wanna sure your soup is working as hard as possible.","start":877.32,"end":884.83496,"sentiment":"neutral","sentiment_score":-0.034372899405382296},{"text":"So anything underperforming is should be removed out of your portfolio.","start":885.535,"end":889.39496,"sentiment":"negative","sentiment_score":-0.4764866138046438},{"text":"As you've also got the beta shares Raffi a 200, which is the next investment down.","start":891.535,"end":896.4,"sentiment":"neutral","sentiment_score":-0.04882248095236719},{"text":"We're gonna sell that down as well.","start":896.48004,"end":898.16003,"sentiment":"neutral","sentiment_score":-0.09848455446107048},{"text":"Essentially, we've found a much more low cost option of holding Australian equities, so that means just reevaluating the portfolio.","start":898.16003,"end":905.46,"sentiment":"neutral","sentiment_score":0.04247349551878869}],"sentiment":"neutral","sentiment_score":-0.08383336668995059,"num_words":81,"start":877.32,"end":905.46},{"sentences":[{"text":"So we're gonna sell those investments down to zero.","start":905.60004,"end":908.18005,"sentiment":"neutral","sentiment_score":-0.08212482887837622},{"text":"You've also got the beta shares Aussie Bank hybrid.","start":909.09503,"end":912.05505,"sentiment":"neutral","sentiment_score":-0.023237482618747488},{"text":"These are more of a complex investment, but they are being phased out by the government.","start":912.05505,"end":915.815,"sentiment":"neutral","sentiment_score":-0.11653932183980942},{"text":"So I'm gonna sell those down and remove those from your portfolio as well.","start":915.815,"end":919.59503,"sentiment":"neutral","sentiment_score":-0.11371166019567422},{"text":"You've also got the iShares Yield Plus.","start":921.09503,"end":923.575,"sentiment":"neutral","sentiment_score":0.0736091115645}],"sentiment":"neutral","sentiment_score":-0.07071980753998187,"num_words":55,"start":905.60004,"end":923.575},{"sentences":[{"text":"Not a bad investment in any way, shape, or form, but we are gonna sell those down and change your portfolio around a little bit.","start":923.575,"end":929.81,"sentiment":"neutral","sentiment_score":0.04563848540186882},{"text":"Your cybersecurity is we wanna keep some of that.","start":930.67,"end":933.63,"sentiment":"neutral","sentiment_score":0.015365552571084764},{"text":"You hold about 5.37 at the moment.","start":933.63,"end":936.51,"sentiment":"neutral","sentiment_score":-0.001345831368650709},{"text":"We only wanna hold 4%, so we're gonna sell some of it and just retain the cybersecurity moving forward.","start":936.51,"end":942.545,"sentiment":"neutral","sentiment_score":0.05032106714421197},{"text":"The next one down is a ClearBridge infrastructure fund.","start":943.805,"end":946.845,"sentiment":"neutral","sentiment_score":-0.029176163176695507}],"sentiment":"neutral","sentiment_score":0.028454291242836178,"num_words":69,"start":923.575,"end":946.845},{"sentences":[{"text":"That one, again, is not sort of performed as well as we sort of hoped.","start":946.845,"end":950.045,"sentiment":"neutral","sentiment_score":-0.2378693163394928},{"text":"In the newer portfolio, it does mean that we can sell that down and replace it with something else.","start":950.045,"end":954.69,"sentiment":"neutral","sentiment_score":-0.03424832950297155},{"text":"So we're gonna sell all of that investment to zero for you as well.","start":954.75,"end":958.35,"sentiment":"neutral","sentiment_score":0.04111520121140139},{"text":"Okay?","start":958.35,"end":958.85,"sentiment":"neutral","sentiment_score":0.05319596454501152},{"text":"The the s and p 500, this is giving you exposure to the top 500 companies within The US there.","start":960.83,"end":967.17,"sentiment":"neutral","sentiment_score":0.058477471582591534}],"sentiment":"neutral","sentiment_score":-0.03507825786220855,"num_words":69,"start":946.845,"end":967.17},{"sentences":[{"text":"Within your portfolio, we wanna hold about 25%.","start":967.39,"end":970.695,"sentiment":"neutral","sentiment_score":-0.0004750210791826248},{"text":"You only hold about 20% at the moment, so we need to buy some more of that to bring you back to where you should be.","start":970.695,"end":976.47504,"sentiment":"neutral","sentiment_score":0.08590329065918922},{"text":"And then the next one down is the JPMorgan Global Research enhanced equity fund.","start":977.17505,"end":981.895,"sentiment":"neutral","sentiment_score":0.07374490637864385},{"text":"But this is more of an actively managed fund.","start":981.895,"end":984.315,"sentiment":"neutral","sentiment_score":0.1709887815846337},{"text":"It's about utilizing JPMorgan's research team to find where there are areas to be purchased or areas where there might be additional growth.","start":984.61505,"end":992.45,"sentiment":"neutral","sentiment_score":0.17207086086273193}],"sentiment":"neutral","sentiment_score":0.10948303639888764,"num_words":80,"start":967.39,"end":992.45},{"sentences":[{"text":"Because of your balanced growth environment, we're looking at trying to reduce the risk level as much as possible.","start":992.75,"end":997.755,"sentiment":"neutral","sentiment_score":0.16188750886603406},{"text":"So having more actively managed funds does mean that this investment can underperform in the future.","start":997.835,"end":1003.455,"sentiment":"positive","sentiment_score":0.37533388286828995},{"text":"So I am looking to reduce your risk level by moving this one out of there for you.","start":1003.675,"end":1007.835,"sentiment":"neutral","sentiment_score":0.05578490760591295},{"text":"We're gonna sell that one down to zero.","start":1007.835,"end":1009.77,"sentiment":"neutral","sentiment_score":0.06713338755071163},{"text":"To make sure you still have more than just the two investments that we've, you know, we're selling everything down, we're then gonna buy into the European market.","start":1010.57,"end":1018.49,"sentiment":"neutral","sentiment_score":0.2222020397228854}],"sentiment":"neutral","sentiment_score":0.18925907127977756,"num_words":89,"start":992.75,"end":1018.49},{"sentences":[{"text":"So you'll hold 7% there.","start":1018.49,"end":1020.59,"sentiment":"neutral","sentiment_score":0.2999298572540283},{"text":"This is giving you exposure to all 16 European countries to giving you diversification.","start":1020.81,"end":1025.31,"sentiment":"positive","sentiment_score":0.3538681353841509},{"text":"Underneath that, we're gonna hold 3% in the Japanese market.","start":1026.585,"end":1030.125,"sentiment":"neutral","sentiment_score":0.1859910510480404},{"text":"And then to keep diversification, because you're in that balanced growth environment area and you are wanting to access super in the near future, we are looking to try and reduce your risk level as much as possible.","start":1030.505,"end":1041.29,"sentiment":"neutral","sentiment_score":0.24744390147297005},{"text":"And one of the ways we do that is to diversify your portfolio.","start":1041.29,"end":1044.9901,"sentiment":"neutral","sentiment_score":0.24064034796678102}],"sentiment":"neutral","sentiment_score":0.2605613308958709,"num_words":80,"start":1018.49,"end":1044.9901},{"sentences":[{"text":"So the next one down is the Vanguard All World x US investment.","start":1045.4501,"end":1049.2301,"sentiment":"neutral","sentiment_score":0.12376605375454976},{"text":"This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there.","start":1049.6101,"end":1056.585,"sentiment":"neutral","sentiment_score":0.111102099975814},{"text":"So we're gonna hold 7% of that and giving you exposure to us into the whole world.","start":1056.885,"end":1061.545,"sentiment":"neutral","sentiment_score":0.18587353562607484},{"text":"As I mentioned before, we get we're removing the ban along Australian Equities in the Raffy a 200 because we found a much cheaper option for you.","start":1063.445,"end":1071.0,"sentiment":"neutral","sentiment_score":0.0822683553452845},{"text":"So we're gonna hold the BetaShares a 200.","start":1071.0,"end":1074.36,"sentiment":"neutral","sentiment_score":0.23203416541218758}],"sentiment":"neutral","sentiment_score":0.12956450024450367,"num_words":88,"start":1045.4501,"end":1074.36},{"sentences":[{"text":"This is giving you exposures to the top 200 companies on the ASX.","start":1074.36,"end":1078.46,"sentiment":"positive","sentiment_score":0.3560005701505221},{"text":"So it's actually giving you greater diversification, and it's a lower cost way of holding Australian equity exposure.","start":1079.1599,"end":1085.4751,"sentiment":"positive","sentiment_score":0.4229918805261453},{"text":"And it how it's actually cheaper for your portfolio as well.","start":1086.255,"end":1088.9751,"sentiment":"positive","sentiment_score":0.5909834206104279},{"text":"One of the things I wanted to look at doing was trying to reduce the fees within your portfolio as much as possible as well.","start":1088.9751,"end":1094.88,"sentiment":"positive","sentiment_score":0.33530457675457},{"text":"Okay?","start":1095.36,"end":1095.86,"sentiment":"neutral","sentiment_score":0.18774187564849856}],"sentiment":"positive","sentiment_score":0.40166228209786553,"num_words":68,"start":1074.36,"end":1095.86},{"sentences":[{"text":"And then because you do still wanna hold defensive investments, they've got the core composite bonds.","start":1096.88,"end":1101.86,"sentiment":"neutral","sentiment_score":0.18232353683561087},{"text":"This essentially is giving you access to bonds, which pay income, which is important.","start":1102.32,"end":1106.66,"sentiment":"neutral","sentiment_score":0.1765649797660964},{"text":"The income is paid from the investment into your cash account within your super, and then it's reinvested back into your portfolio.","start":1107.2,"end":1113.625,"sentiment":"neutral","sentiment_score":0.1732872412963347},{"text":"We wanna hold 24% of this, so we're gonna buy a bit over $39,000 and for you into that investment.","start":1114.005,"end":1120.425,"sentiment":"neutral","sentiment_score":0.20914474055171012},{"text":"This is a lot, and I fully understand that.","start":1121.285,"end":1123.73,"sentiment":"neutral","sentiment_score":0.20935153464476267}],"sentiment":"neutral","sentiment_score":0.1884995584870562,"num_words":81,"start":1096.88,"end":1123.73},{"sentences":[{"text":"Do you have any questions about that so far about those changes that I'm making?","start":1123.73,"end":1127.75,"sentiment":"neutral","sentiment_score":0.03551800263424714},{"text":"No?","start":1130.45,"end":1130.95,"sentiment":"neutral","sentiment_score":-0.07937595993280411},{"text":"Beautiful.","start":1131.97,"end":1132.47,"sentiment":"positive","sentiment_score":0.40464311838150024},{"text":"Excellent.","start":1133.4099,"end":1133.9099,"sentiment":"positive","sentiment_score":0.4974142014980316},{"text":"Essentially, it's just about making sure that you're in the best performing portfolio and essentially utilize past data and how portfolios have performed over the past to assess how they can perform in the future.","start":1133.97,"end":1144.635,"sentiment":"neutral","sentiment_score":0.2570725802864347}],"sentiment":"neutral","sentiment_score":0.1953394662167104,"num_words":53,"start":1123.73,"end":1144.635},{"sentences":[{"text":"And, essentially, investments that you might have had in your portfolio back three, four, five years ago do need to every now and then be updated and changed to reflect market changes.","start":1145.1749,"end":1154.31,"sentiment":"neutral","sentiment_score":0.12528585433028638},{"text":"So it's important to have these sorts of things updated regularly for you.","start":1154.31,"end":1158.01,"sentiment":"neutral","sentiment_score":0.17081968486309052},{"text":"Okay?","start":1158.15,"end":1158.65,"sentiment":"neutral","sentiment_score":0.08067311346530914},{"text":"Excellent.","start":1160.31,"end":1160.81,"sentiment":"positive","sentiment_score":0.33346259593963623},{"text":"If you can move down to page number 21, I can show you the main difference.","start":1161.43,"end":1169.4851,"sentiment":"neutral","sentiment_score":0.11897056456655264}],"sentiment":"neutral","sentiment_score":0.13567409498824012,"num_words":63,"start":1145.1749,"end":1169.4851},{"sentences":[{"text":"Business.","start":1170.265,"end":1170.765,"sentiment":"neutral","sentiment_score":0.018086040392518044},{"text":"Yeah.","start":1171.305,"end":1171.7051,"sentiment":"neutral","sentiment_score":0.036122240126132965},{"text":"See comparison table there.","start":1171.7051,"end":1173.5651,"sentiment":"neutral","sentiment_score":0.052292635664343834},{"text":"Beautiful.","start":1175.385,"end":1175.885,"sentiment":"positive","sentiment_score":0.3652140498161316},{"text":"So the first column essentially has your Netwealth Super account with your current balance there.","start":1176.185,"end":1180.71,"sentiment":"neutral","sentiment_score":0.1514803111553192}],"sentiment":"neutral","sentiment_score":0.13185443365099755,"num_words":22,"start":1170.265,"end":1180.71},{"sentences":[{"text":"And then, obviously, this the recommended shows the balance after you've had that withdrawal out.","start":1181.27,"end":1185.9099,"sentiment":"neutral","sentiment_score":0.10859487255414327},{"text":"So the way I would like to implement this is we start by doing opening up the pension account first, drawing down the 10%, that's 17,000 for you so you can pay down your debt.","start":1185.9099,"end":1195.705,"sentiment":"neutral","sentiment_score":0.17083043328353337},{"text":"Then we roll the funds back into super, and then we do the investment switch for you.","start":1195.765,"end":1200.245,"sentiment":"neutral","sentiment_score":0.15920257305397706},{"text":"Okay?","start":1200.245,"end":1200.745,"sentiment":"neutral","sentiment_score":0.12849630415439606},{"text":"We do estimate that the CDT on the investments, which will be about $883.","start":1202.005,"end":1207.02,"sentiment":"neutral","sentiment_score":0.1062974828694548}],"sentiment":"neutral","sentiment_score":0.14550113487170963,"num_words":82,"start":1181.27,"end":1207.02},{"sentences":[{"text":"So we do know your your super fund, just like you, does a tax return every year.","start":1207.02,"end":1211.2001,"sentiment":"neutral","sentiment_score":0.12711659490185626},{"text":"So whenever there are changes to investments, buyers, sales, income that's produced, your super fund does a tax return, and they pay income tax and CGT tax.","start":1211.26,"end":1219.92,"sentiment":"neutral","sentiment_score":0.041903392101327576},{"text":"So in order to make the switches to withdraw the funds and then also to complete the investment switch, the estimated CGT your super fund will take care of is about $883.70.","start":1220.255,"end":1232.7,"sentiment":"neutral","sentiment_score":0.07624863903038204},{"text":"Does that make sense?","start":1232.7,"end":1233.6799,"sentiment":"neutral","sentiment_score":0.06354695744812489},{"text":"Yep.","start":1235.9,"end":1236.38,"sentiment":"neutral","sentiment_score":0.33131682872772217}],"sentiment":"neutral","sentiment_score":0.07799796058715862,"num_words":81,"start":1207.02,"end":1236.38},{"sentences":[{"text":"Beautiful.","start":1236.38,"end":1236.88,"sentiment":"positive","sentiment_score":0.6171567440032959},{"text":"When we look at the difference in fees, so the by making these changes, we estimate that you'll save about $27 for the year on administration fees.","start":1237.58,"end":1247.44,"sentiment":"positive","sentiment_score":0.40327231420411},{"text":"The newer portfolio saves you $440 for the year in investment fees, and then any other fees applicable to the fund, about $42 there.","start":1247.705,"end":1256.745,"sentiment":"positive","sentiment_score":0.36903360361854237},{"text":"So all in all, you're actually saving money.","start":1256.745,"end":1260.125,"sentiment":"positive","sentiment_score":0.5996806621551514},{"text":"We're saving about if I add it all up for you, you're saving about $509 on fees by making the changes within your super fund.","start":1260.585,"end":1269.87,"sentiment":"positive","sentiment_score":0.5380942714214325}],"sentiment":"positive","sentiment_score":0.4542602093780742,"num_words":85,"start":1236.38,"end":1269.87},{"sentences":[{"text":"Does that make sense?","start":1269.87,"end":1270.9299,"sentiment":"neutral","sentiment_score":0.19622082635760307},{"text":"Yep.","start":1272.35,"end":1272.85,"sentiment":"neutral","sentiment_score":0.24335750937461853},{"text":"Beautiful.","start":1272.99,"end":1273.49,"sentiment":"positive","sentiment_score":0.5337297320365906},{"text":"The ongoing service fee for us looking after your super and going to the work we do and providing advice, that remains exactly the same.","start":1274.675,"end":1281.575,"sentiment":"neutral","sentiment_score":0.32569954693317416},{"text":"And then the contributions, I am also making a recommendation that once we've completed this now one thing we talked about was moving forward was the ability for you to maybe salary sacrifice and add more money into super.","start":1282.195,"end":1294.75,"sentiment":"neutral","sentiment_score":0.12339433951255603}],"sentiment":"neutral","sentiment_score":0.20738340658800944,"num_words":70,"start":1269.87,"end":1294.75},{"sentences":[{"text":"Once we've completed the changes, you've drawn the money out.","start":1295.37,"end":1297.8501,"sentiment":"neutral","sentiment_score":0.07395513206720353},{"text":"We've rolled everything back into super and also made the switches.","start":1297.8501,"end":1301.29,"sentiment":"neutral","sentiment_score":0.14904330332170834},{"text":"In order to make sure your super is working harder and providing us greater benefit down the track to get you as much money in the super as possible.","start":1301.29,"end":1308.5549,"sentiment":"neutral","sentiment_score":0.2711407968710209},{"text":"I'm also making a recommendation that you do start salary sacrificing as well.","start":1308.9349,"end":1313.2749,"sentiment":"neutral","sentiment_score":0.03297874016257433},{"text":"Essentially, when I sort of looked at the projected outcome, it does show that whilst you have some eligibility for Centrelink down the track, your super balance wasn't quite, you know, growing enough to be able to provide sufficient relief with super sorry, with the age pension to be able to last as long as possible.","start":1313.575,"end":1330.9249,"sentiment":"neutral","sentiment_score":-0.027729819395712445}],"sentiment":"neutral","sentiment_score":0.07662155044053783,"num_words":119,"start":1295.37,"end":1330.9249},{"sentences":[{"text":"So we sort of talked about starting to salary sacrifice, and you were comfortable with around about $50 per fortnight when we spoke.","start":1331.385,"end":1340.285,"sentiment":"neutral","sentiment_score":0.06212185080284658},{"text":"I'm actually gonna recommend that you start to salary sacrifice $50 per week into super.","start":1340.665,"end":1345.64,"sentiment":"neutral","sentiment_score":0.1638163668413957},{"text":"It means that you're putting a bit more back into super to replenish what you take out to pay down the debts, but it's also money invested working harder for you.","start":1345.7799,"end":1353.3999,"sentiment":"positive","sentiment_score":0.3444098969621043},{"text":"We sort of need to increase contributions now so that when we get to retire in age of 65 or 67, that you've got a bit more money invested that you're able to then draw down on to assist and give as much last as long as possible in retirement.","start":1353.46,"end":1368.995,"sentiment":"neutral","sentiment_score":0.3078375318646431},{"text":"Does that make sense?","start":1369.0549,"end":1370.115,"sentiment":"neutral","sentiment_score":0.2015254721045494}],"sentiment":"neutral","sentiment_score":0.25008726307773976,"num_words":123,"start":1331.385,"end":1370.115},{"sentences":[{"text":"Yeah.","start":1372.095,"end":1372.575,"sentiment":"positive","sentiment_score":0.3429550528526306},{"text":"So, essentially, once with the recommendations to kinda break it down and make it as easy as possible, we'll start by opening up this transition retirement account for you.","start":1372.575,"end":1380.9901,"sentiment":"positive","sentiment_score":0.38886360258891667},{"text":"We can draw down the funds so you can pay down the debt, then we'll roll everything back into your super accumulation side of things.","start":1380.9901,"end":1387.8251,"sentiment":"positive","sentiment_score":0.3534074056148529},{"text":"We'll do the investment switch to put you into the newer portfolio, which is cheaper and saving you on money and performing better.","start":1387.9651,"end":1394.9451,"sentiment":"positive","sentiment_score":0.45470317291176837},{"text":"And then we'll also recommend that you do start salary sacrificing $50 per week out of your income.","start":1395.165,"end":1401.02,"sentiment":"neutral","sentiment_score":0.2564215080605613}],"sentiment":"positive","sentiment_score":0.37009317489961785,"num_words":96,"start":1372.095,"end":1401.02},{"sentences":[{"text":"So putting a bit more into super, to have more money invested for your retirement.","start":1401.02,"end":1405.38,"sentiment":"positive","sentiment_score":0.4407030502955119},{"text":"Does that make sense?","start":1405.38,"end":1406.5,"sentiment":"neutral","sentiment_score":0.25801660120487213},{"text":"Do you have any questions?","start":1406.5,"end":1407.7201,"sentiment":"neutral","sentiment_score":0.07821211516857147},{"text":"Yeah.","start":1410.3401,"end":1410.735,"sentiment":"neutral","sentiment_score":-0.04203513264656067},{"text":"Yeah.","start":1424.895,"end":1425.395,"sentiment":"neutral","sentiment_score":-0.04635348170995712}],"sentiment":"neutral","sentiment_score":0.30558785079763484,"num_words":26,"start":1401.02,"end":1425.395},{"sentences":[{"text":"Yeah.","start":1430.42,"end":1430.8201,"sentiment":"neutral","sentiment_score":0.025079863145947456},{"text":"Yeah.","start":1430.8201,"end":1431.2201,"sentiment":"neutral","sentiment_score":0.05498909950256348},{"text":"So when I have a look at the the recommendations with increasing the salary sacrifice by $50 per week plus switching the investments.","start":1431.2201,"end":1439.2849,"sentiment":"neutral","sentiment_score":0.045606886401124626},{"text":"The old of the sorry.","start":1440.065,"end":1441.1849,"sentiment":"neutral","sentiment_score":-0.14386013746261597},{"text":"The newer portfolio has averaged about 10.19%.","start":1441.1849,"end":1444.865,"sentiment":"neutral","sentiment_score":-0.07645948976278305}],"sentiment":"neutral","sentiment_score":-0.0033916152913022685,"num_words":37,"start":1430.42,"end":1444.865},{"sentences":[{"text":"So we kind of, over the next five to ten years, can estimate that you should be able to end up in six years' time of 67 with around about 253,000, and around about four years, about 221,000.","start":1444.865,"end":1459.3201,"sentiment":"neutral","sentiment_score":0.12114708498120308},{"text":"In ten years, if you decide to work a little bit longer, you could end up with a bit over 320,000 in super.","start":1459.3201,"end":1465.565,"sentiment":"neutral","sentiment_score":0.11299944247888483},{"text":"So it's about just making sure that we have as much as possible in that super fund working harder for you.","start":1465.7849,"end":1471.245,"sentiment":"neutral","sentiment_score":0.1831997668459302},{"text":"You all you do have the option if you decide you no longer wanna take the money out of super to pay down the the car loan.","start":1472.1849,"end":1478.585,"sentiment":"neutral","sentiment_score":0.1058424730543737},{"text":"You could always just decide not to go ahead with that section of the strategy.","start":1478.585,"end":1482.42,"sentiment":"neutral","sentiment_score":-0.025023164103428523}],"sentiment":"neutral","sentiment_score":0.1091304098466231,"num_words":124,"start":1444.865,"end":1482.42},{"sentences":[{"text":"It's just that I had to incorporate that because when we spoke last time, that was one of your goals.","start":1482.8,"end":1487.2001,"sentiment":"neutral","sentiment_score":0.11755715459585189},{"text":"You sort of said I would like to be able to pay down that debt as soon as possible utilizing some of the super debt.","start":1487.2001,"end":1493.2001,"sentiment":"neutral","sentiment_score":0.2185790431499481},{"text":"So I've generated this strategy to make sure that you're able to hopefully pay down some of that car loan, which frees up a bit of your cash and saves on interest on the loan.","start":1493.2001,"end":1502.1449,"sentiment":"positive","sentiment_score":0.41119281819888526},{"text":"But then we also alter the investments within super to keep them working harder, and then we also look at increasing the contributions in the super over the next four, six to ten years to kind of provide as big a boost as we possibly can to make sure that when you retire, you're able to draw down what you need to live on and supplement Centrelink there as well to kinda give you longevity.","start":1502.5249,"end":1526.235,"sentiment":"positive","sentiment_score":0.3415955319007238},{"text":"Does that make sense?","start":1526.5349,"end":1527.4149,"sentiment":"neutral","sentiment_score":0.2504618763923645}],"sentiment":"neutral","sentiment_score":0.30709987550786455,"num_words":159,"start":1482.8,"end":1527.4149},{"sentences":[{"text":"Do you have any questions?","start":1527.4149,"end":1528.5349,"sentiment":"neutral","sentiment_score":0.05720117464661598},{"text":"You're welcome to let me know if anything doesn't.","start":1528.5349,"end":1531.355,"sentiment":"neutral","sentiment_score":0.09239605959090921},{"text":"Well, at the sorry.","start":1538.6,"end":1541.64,"sentiment":"neutral","sentiment_score":-0.1587752103805542},{"text":"So too much in order to have in super for the age pension?","start":1541.64,"end":1545.1,"sentiment":"neutral","sentiment_score":-0.175230276126128},{"text":"Yeah.","start":1546.92,"end":1547.4,"sentiment":"neutral","sentiment_score":-0.008474849164485931}],"sentiment":"neutral","sentiment_score":-0.05637496471172199,"num_words":32,"start":1527.4149,"end":1547.4},{"sentences":[{"text":"So you definitely, with the projected outcome, are not gonna have too much in there.","start":1547.4,"end":1552.185,"sentiment":"neutral","sentiment_score":0.004570308079322179},{"text":"Essentially, the age pension thresholds do change and are indexed on a regular basis as well, so they could definitely go up between now to when you're eligible for age pension.","start":1553.145,"end":1565.165,"sentiment":"neutral","sentiment_score":0.12744926480996993},{"text":"But as a non homeowner, in order to access a full age pension currently as a couple, you essentially need to have assets under 766,000.","start":1565.9901,"end":1580.3949,"sentiment":"neutral","sentiment_score":0.0635402962565422},{"text":"So based on everything that I can see, you should be eligible for full age pension based on the current scenario.","start":1581.0149,"end":1587.0349,"sentiment":"neutral","sentiment_score":0.14368370033445813},{"text":"And then sorry.","start":1587.4149,"end":1591.195,"sentiment":"neutral","sentiment_score":-0.034794372816880546}],"sentiment":"neutral","sentiment_score":0.08969435605563615,"num_words":95,"start":1547.4,"end":1591.195},{"sentences":[{"text":"Yeah.","start":1603.83,"end":1604.1499,"sentiment":"neutral","sentiment_score":0.014457141980528831},{"text":"No.","start":1604.1499,"end":1604.6499,"sentiment":"neutral","sentiment_score":-0.034306757152080536},{"text":"So at the moment, you should be eligible full age pension at that point in time.","start":1604.7899,"end":1609.6951,"sentiment":"neutral","sentiment_score":0.10620915284380317},{"text":"Sorry.","start":1613.355,"end":1613.755,"sentiment":"neutral","sentiment_score":-0.06251001358032227},{"text":"My computer started talking to me at the same time.","start":1613.755,"end":1615.595,"sentiment":"neutral","sentiment_score":-0.09588038437068462}],"sentiment":"neutral","sentiment_score":0.02269596458765967,"num_words":29,"start":1603.83,"end":1615.595},{"sentences":[{"text":"I do apologize.","start":1615.595,"end":1616.415,"sentiment":"neutral","sentiment_score":-0.07212275018294652},{"text":"Yeah.","start":1617.435,"end":1617.675,"sentiment":"neutral","sentiment_score":0.09571577608585358},{"text":"You should be eligible offset.","start":1617.675,"end":1625.6001,"sentiment":"neutral","sentiment_score":0.15180697292089462},{"text":"Because the age pension, when you think about how much you make from that, it still doesn't really cover all of the expenditure and give someone, you know, a good quality of living.","start":1625.6001,"end":1635.595,"sentiment":"neutral","sentiment_score":0.19683678222425055},{"text":"It's meant for a base level of expenditure and does tend to keep people around that poverty line.","start":1635.595,"end":1642.795,"sentiment":"neutral","sentiment_score":0.1488713895281156}],"sentiment":"neutral","sentiment_score":0.1635613535841306,"num_words":60,"start":1615.595,"end":1642.795},{"sentences":[{"text":"So we like to try and keep as much inside sleeper as possible so you can get as much age pension as possible, but then also draw some out of sleep with a supplement that to make sure you've got enough income to live on, just travel, to do whatever you wanna do.","start":1642.795,"end":1656.43,"sentiment":"positive","sentiment_score":0.34326370482174856},{"text":"And then as as you get older, there is often more of an increase around what you need in the way of, you know, medical expenses and and care and things like that.","start":1657.37,"end":1667.745,"sentiment":"neutral","sentiment_score":0.06456503678451884},{"text":"It's you know, we all start off in retirement being able to travel and enjoy our going out for dinner and having fun and doing the things we want.","start":1667.745,"end":1675.64,"sentiment":"positive","sentiment_score":0.3578324307655466},{"text":"But then, you know, as we kind of go through retirement, we end up, you know, ten, twenty, thirty.","start":1675.64,"end":1681.24,"sentiment":"neutral","sentiment_score":0.057453936161963565},{"text":"Some people live in retirement for forty years.","start":1681.24,"end":1683.72,"sentiment":"neutral","sentiment_score":0.07180090341717005}],"sentiment":"neutral","sentiment_score":0.22793517659195292,"num_words":142,"start":1642.795,"end":1683.72},{"sentences":[{"text":"So it's about making sure you've got some Centrelink and or super to supplement that to give you longevity to keep your money lasting as long as possible.","start":1683.72,"end":1693.385,"sentiment":"neutral","sentiment_score":0.3148981327457087},{"text":"That's kind of where I'm aiming at, but also helping to make sure we can get those debts paid down as quickly as possible for you as well, if that makes sense.","start":1693.385,"end":1705.04,"sentiment":"neutral","sentiment_score":0.32813150982838124},{"text":"Yeah.","start":1705.04,"end":1705.54,"sentiment":"neutral","sentiment_score":0.21510347723960876},{"text":"Yeah.","start":1705.6001,"end":1706.1001,"sentiment":"positive","sentiment_score":0.3547579050064087},{"text":"Beautiful.","start":1706.4801,"end":1706.9801,"sentiment":"positive","sentiment_score":0.5575762987136841}],"sentiment":"neutral","sentiment_score":0.32452053511663087,"num_words":63,"start":1683.72,"end":1706.9801},{"sentences":[{"text":"I know it can be a lot.","start":1707.6001,"end":1708.88,"sentiment":"neutral","sentiment_score":0.3266328977687018},{"text":"So I've you've got the document there in your emails.","start":1708.88,"end":1711.3601,"sentiment":"neutral","sentiment_score":0.1883628711104393},{"text":"If you wanted to take some time today to read through the strategy, all the strategies outline what I'm recommending, how and why, how it relates back to your goals and your best interest duty.","start":1711.3601,"end":1722.235,"sentiment":"neutral","sentiment_score":0.27190319384847367},{"text":"It's got the advantages, the disadvantages, and the risks involved.","start":1722.6951,"end":1725.995,"sentiment":"neutral","sentiment_score":0.0828362237662077},{"text":"If you find you have any questions, please come back and let me know.","start":1726.055,"end":1729.59,"sentiment":"neutral","sentiment_score":0.17972443572112493}],"sentiment":"neutral","sentiment_score":0.22409440944657513,"num_words":76,"start":1707.6001,"end":1729.59},{"sentences":[{"text":"But I'd definitely like you to take some time just to read over the document, you know, read those sections.","start":1729.83,"end":1734.95,"sentiment":"neutral","sentiment_score":0.24248333796858787},{"text":"Let me know if you have any questions there.","start":1734.95,"end":1736.63,"sentiment":"neutral","sentiment_score":0.27662243445714313},{"text":"And if you're happy to proceed with the advice, we'll get you to sign and return it back to us.","start":1736.63,"end":1741.5299,"sentiment":"neutral","sentiment_score":0.2773712582886219},{"text":"It's also got your ongoing service agreement attached to that.","start":1741.99,"end":1745.1749,"sentiment":"neutral","sentiment_score":0.10358535945415497},{"text":"So we when we did the annual review early in the year, it just looks like the ongoing service agreement wasn't signed.","start":1745.1749,"end":1751.595,"sentiment":"neutral","sentiment_score":0.0317891471257264}],"sentiment":"neutral","sentiment_score":0.18051739094525943,"num_words":81,"start":1729.83,"end":1751.595},{"sentences":[{"text":"So we've attached it to the advice document, and we just ask that you sign and return that back to remain seeking our services and to remain a of IT Financial there as well.","start":1752.1349,"end":1762.38,"sentiment":"neutral","sentiment_score":0.07755426065448452},{"text":"Okay?","start":1762.38,"end":1762.88,"sentiment":"neutral","sentiment_score":0.04432665556669235},{"text":"Excellent.","start":1765.1,"end":1765.6,"sentiment":"positive","sentiment_score":0.3729543685913086},{"text":"On the very last page, if you find there's any section of the advice that you do not wish to proceed with, there is a little box that says multiline.","start":1766.22,"end":1774.035,"sentiment":"neutral","sentiment_score":-0.10034707734982172},{"text":"You can just write in there.","start":1774.175,"end":1775.535,"sentiment":"neutral","sentiment_score":-0.039174940437078476}],"sentiment":"neutral","sentiment_score":-0.002657445509814554,"num_words":72,"start":1752.1349,"end":1775.535},{"sentences":[{"text":"So if you didn't wanna, you know, go through with any section of the advice, you just write what you do not wish to proceed with, and we can make sure that that is followed through.","start":1775.535,"end":1784.675,"sentiment":"neutral","sentiment_score":-0.07630492146644327},{"text":"Okay?","start":1784.895,"end":1785.27,"sentiment":"neutral","sentiment_score":-0.019188549369573593},{"text":"All good.","start":1787.27,"end":1787.91,"sentiment":"neutral","sentiment_score":0.18502603471279144},{"text":"Do you have any questions, Darren?","start":1787.91,"end":1789.59,"sentiment":"neutral","sentiment_score":0.07689353823661804},{"text":"You're welcome to let me know if there's any that have come up.","start":1789.59,"end":1792.15,"sentiment":"neutral","sentiment_score":0.14981962711765215}],"sentiment":"neutral","sentiment_score":0.0002224608485040996,"num_words":58,"start":1775.535,"end":1792.15},{"sentences":[{"text":"Please let me know if you need me to clarify things further for you.","start":1792.15,"end":1795.61,"sentiment":"neutral","sentiment_score":0.09062190646571773},{"text":"That's okay.","start":1802.945,"end":1803.845,"sentiment":"neutral","sentiment_score":-0.054518066346645355},{"text":"Yeah.","start":1805.825,"end":1806.145,"sentiment":"neutral","sentiment_score":0.044672682881355286},{"text":"Yeah.","start":1806.145,"end":1806.385,"sentiment":"neutral","sentiment_score":0.0844593495130539},{"text":"That's fine.","start":1806.385,"end":1807.205,"sentiment":"neutral","sentiment_score":0.19961219280958176}],"sentiment":"neutral","sentiment_score":0.08440134879201651,"num_words":20,"start":1792.15,"end":1807.205},{"sentences":[{"text":"Take your time.","start":1807.265,"end":1807.905,"sentiment":"neutral","sentiment_score":0.24491013089815775},{"text":"Have a reach of the document there.","start":1807.905,"end":1809.265,"sentiment":"neutral","sentiment_score":0.17109701676028116},{"text":"My team will definitely follow-up with you to see if you do happen to have any questions.","start":1809.265,"end":1812.645,"sentiment":"neutral","sentiment_score":0.23220081627368927},{"text":"And if you are just happy to take on the advice and follow through, I'll get you to sign and return it back for me.","start":1813.025,"end":1818.31,"sentiment":"neutral","sentiment_score":0.16617314875125885},{"text":"Okay?","start":1818.31,"end":1818.81,"sentiment":"neutral","sentiment_score":0.07731658220291138}],"sentiment":"neutral","sentiment_score":0.19078242806893475,"num_words":53,"start":1807.265,"end":1818.81},{"sentences":[{"text":"All good.","start":1821.03,"end":1821.77,"sentiment":"neutral","sentiment_score":0.29584598541259766},{"text":"All good.","start":1823.19,"end":1823.75,"sentiment":"positive","sentiment_score":0.37130823731422424},{"text":"Well, thank you so much for taking my call.","start":1823.75,"end":1825.91,"sentiment":"positive","sentiment_score":0.6591812074184418},{"text":"I hope you have a good day.","start":1825.91,"end":1827.19,"sentiment":"positive","sentiment_score":0.6068249770573207},{"text":"Good luck with the rest of the renovations on the caravan.","start":1827.19,"end":1829.85,"sentiment":"positive","sentiment_score":0.4535711868242784}],"sentiment":"positive","sentiment_score":0.5323870066673525,"num_words":31,"start":1821.03,"end":1829.85},{"sentences":[{"text":"Look.","start":1834.505,"end":1834.745,"sentiment":"neutral","sentiment_score":0.2528306245803833},{"text":"You're very you're doing better than I could.","start":1834.745,"end":1836.905,"sentiment":"positive","sentiment_score":0.6040049865841866},{"text":"You're very handy.","start":1836.905,"end":1837.965,"sentiment":"positive","sentiment_score":0.5440426965554556},{"text":"Yeah.","start":1841.065,"end":1841.565,"sentiment":"neutral","sentiment_score":-0.12098325788974762},{"text":"Yeah.","start":1845.3049,"end":1845.8049,"sentiment":"neutral","sentiment_score":-0.017569873481988907}],"sentiment":"positive","sentiment_score":0.469888962539179,"num_words":14,"start":1834.505,"end":1845.8049},{"sentences":[{"text":"No.","start":1847.44,"end":1847.94,"sentiment":"neutral","sentiment_score":-0.17911890149116516},{"text":"Oh, fantastic.","start":1848.48,"end":1850.02,"sentiment":"positive","sentiment_score":0.7282368540763855},{"text":"All good.","start":1850.4,"end":1851.12,"sentiment":"positive","sentiment_score":0.653841644525528},{"text":"Well, I will let you go.","start":1851.12,"end":1852.1599,"sentiment":"positive","sentiment_score":0.49906442562739056},{"text":"Thank you so much for taking my call.","start":1852.1599,"end":1853.84,"sentiment":"positive","sentiment_score":0.8353164345026016}],"sentiment":"positive","sentiment_score":0.6453661118683062,"num_words":19,"start":1847.44,"end":1853.84},{"sentences":[{"text":"You have a good rest of your day, and, again, just let me know if there are any questions in relations and advice document.","start":1853.84,"end":1858.945,"sentiment":"positive","sentiment_score":0.5065142822762331},{"text":"Okay?","start":1859.165,"end":1859.665,"sentiment":"neutral","sentiment_score":0.20285764336586},{"text":"Thank you, Darren.","start":1861.965,"end":1862.765,"sentiment":"positive","sentiment_score":0.6994461814562479},{"text":"I'll talk to you soon.","start":1862.765,"end":1863.725,"sentiment":"positive","sentiment_score":0.5607172250747681},{"text":"You have a good afternoon.","start":1863.725,"end":1864.865,"sentiment":"positive","sentiment_score":0.6580775618553162}],"sentiment":"positive","sentiment_score":0.5408292867635426,"num_words":38,"start":1853.84,"end":1864.865},{"sentences":[{"text":"Thanks.","start":1866.845,"end":1867.245,"sentiment":"positive","sentiment_score":0.6261131167411804},{"text":"See you later.","start":1867.245,"end":1867.965,"sentiment":"positive","sentiment_score":0.5107576151688894},{"text":"Bye.","start":1867.965,"end":1868.465,"sentiment":"neutral","sentiment_score":0.252248615026474}],"sentiment":"positive","sentiment_score":0.4821269154548645,"num_words":5,"start":1866.845,"end":1868.465}]}}]},{"alternatives":[{"transcript":"Hello? Oh, good. Thanks. How are you? Yeah. Oh, yeah. Yeah. Oh, that's alright. No. Just just a few things to do. Renovating. Renovating. That's all. But yeah. Just a bit. Yeah. Same same a bit of the same situation, but yeah. Yeah. Alright. Yeah. That's yeah. Yep. Yep. Darren 50 Casa. 121065. Yep. That's right. Number 2, Allen Street, Surrey. Yep. Yep. I'll just have a look in. Yeah. Just a a Caribbean, actually. Yeah. Yeah. You're a lot of fun. Yeah. Yeah. Just for yeah. We are going away. Just a quick getaway. And yeah. Yeah. It should be done this week. Yeah. Just working in between. I do well, I only do sort of casual weekends, really, so I've just got home. Just got home after work in the weekend and few days off and get a bit done and then go back to it again and going away next week. So yes. Email here now. Just got it open. So just click on document. Yeah. Hang on. Just do more do more fine. Grab my glasses too. Okay. Now what page was that again? Yep. Yeah. Yep. Yeah. Yeah. That's what I sort of thought. I'm I am running out of time and and not enough money. So a bit of a problem. Yeah. Well, that yeah. That was one option to just to get rid of it and sort it out. It's all, but it's not a huge debt, I guess, but it it would be yeah. Yeah. Well, still, I've got a bit a little bit of money in in bank as well. We nearly do it that way, but, yeah, whatever's the best way, really. We'll just really making the standard payment, so not not making extra, but wouldn't be much. No. Yes. Oh, yeah. Yep. Yes. No. That's that sounds good enough. That sounds pretty good. Yep. Yep. How are you? H. Yep. Yeah. Just yep. Right now. Yep. Alright. Yeah. Yeah. Yeah. Oh, yeah. Yep. Okay. Yep. Are you? Yep. No. That's yeah. That's pretty good. Yep. Yes. Yes. 20 one. Yep. Yep. Yes. Yep. Yeah. Yes. Yeah. It does. I just how much do I need to to I just don't have sorta, well, put too much, but then I gotta have enough. So it's just a a hard one to really know, but it sounds sounds about right. Yes. Yep. So as far as getting a pension, what what what would be too much to other yeah. Yep. Yep. Yep. I know. Yeah. That's what I sort of thought. I just yeah. Really just making sure. Yeah. I thought I'd be right, but yeah. That's that's good. Yep. Yep. Yeah. Yep. Yeah. Got it. Yep. Yep. Yes. Uh-huh. Yeah. I think that's I can't think of anything at the moment. I think that's alright. Uh-huh. Yeah. I'm getting there. It's some things are a challenge, but they never go quite the way you sort of plan. But, yeah, it's going alright. Figuring it out. We're getting there. Alright. Yep. Thank you very much. Yeah. You too. Thank you. 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Oh, good. Thanks. How are you? Yeah.\n\nOh, yeah. Yeah. Oh, that's alright. No. Just just a few things to do.\n\nRenovating. Renovating. That's all. But yeah. Just a bit.\n\nYeah. Same same a bit of the same situation, but yeah. Yeah. Alright. Yeah.\n\nThat's yeah. Yep. Yep. Darren 50 Casa. 121065.\n\nYep. That's right. Number 2, Allen Street, Surrey. Yep. Yep.\n\nI'll just have a look in. Yeah. Just a a Caribbean, actually. Yeah. Yeah.\n\nYou're a lot of fun. Yeah. Yeah. Just for yeah. We are going away.\n\nJust a quick getaway. And yeah. Yeah. It should be done this week. Yeah.\n\nJust working in between. I do well, I only do sort of casual weekends, really, so I've just got home. Just got home after work in the weekend and few days off and get a bit done and then go back to it again and going away next week. So yes. Email here now.\n\nJust got it open. So just click on document. Yeah. Hang on. Just do more do more fine.\n\nGrab my glasses too. Okay. Now what page was that again? Yep. Yeah.\n\nYep. Yeah. Yeah. That's what I sort of thought. I'm I am running out of time and and not enough money.\n\nSo a bit of a problem. Yeah. Well, that yeah. That was one option to just to get rid of it and sort it out. It's all, but it's not a huge debt, I guess, but it it would be yeah.\n\nYeah. Well, still, I've got a bit a little bit of money in in bank as well. We nearly do it that way, but, yeah, whatever's the best way, really. We'll just really making the standard payment, so not not making extra, but wouldn't be much. No.\n\nYes. Oh, yeah. Yep. Yes. No.\n\nThat's that sounds good enough. That sounds pretty good. Yep. Yep. How are you?\n\nH. Yep. Yeah. Just yep. Right now.\n\nYep. Alright. Yeah. Yeah. Yeah.\n\nOh, yeah. Yep. Okay. Yep. Are you?\n\nYep. No. That's yeah. That's pretty good. Yep.\n\nYes. Yes. 20 one. Yep. Yep.\n\nYes. Yep. Yeah. Yes. Yeah.\n\nIt does. I just how much do I need to to I just don't have sorta, well, put too much, but then I gotta have enough. So it's just a a hard one to really know, but it sounds sounds about right. Yes. Yep.\n\nSo as far as getting a pension, what what what would be too much to other yeah. Yep. Yep. Yep. I know.\n\nYeah. That's what I sort of thought. I just yeah. Really just making sure. Yeah.\n\nI thought I'd be right, but yeah. That's that's good. Yep. Yep. Yeah.\n\nYep. Yeah. Got it. Yep. Yep.\n\nYes. Uh-huh. Yeah. I think that's I can't think of anything at the moment. I think that's alright.\n\nUh-huh. Yeah. I'm getting there. It's some things are a challenge, but they never go quite the way you sort of plan. But, yeah, it's going alright.\n\nFiguring it out. We're getting there. Alright. Yep. Thank you very much.\n\nYeah. You too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":10.08,"end":10.16,"sentiment":"neutral","sentiment_score":0.16596442461013794},{"text":"Oh, good.","start":10.16,"end":10.719999,"sentiment":"positive","sentiment_score":0.5425388813018799},{"text":"Thanks.","start":10.719999,"end":10.96,"sentiment":"positive","sentiment_score":0.6473533511161804},{"text":"How are you?","start":10.96,"end":11.78,"sentiment":"positive","sentiment_score":0.45138678948084515},{"text":"Yeah.","start":19.875,"end":20.375,"sentiment":"neutral","sentiment_score":0.10198363661766052}],"sentiment":"positive","sentiment_score":0.41931744292378426,"num_words":8,"start":10.08,"end":20.375},{"sentences":[{"text":"Oh, yeah.","start":31.7,"end":32.260002,"sentiment":"neutral","sentiment_score":-0.0038866782560944557},{"text":"Yeah.","start":32.260002,"end":32.760002,"sentiment":"neutral","sentiment_score":-0.02930941805243492},{"text":"Oh, that's alright.","start":36.78,"end":41.86,"sentiment":"neutral","sentiment_score":-0.15348660945892334},{"text":"No.","start":41.86,"end":42.18,"sentiment":"neutral","sentiment_score":-0.20318707823753357},{"text":"Just just a few things to do.","start":42.18,"end":44.615,"sentiment":"neutral","sentiment_score":-0.1831778585910797}],"sentiment":"neutral","sentiment_score":-0.14164104937974895,"num_words":14,"start":31.7,"end":44.615},{"sentences":[{"text":"Renovating.","start":44.915,"end":45.415,"sentiment":"neutral","sentiment_score":-0.06735636293888092},{"text":"Renovating.","start":46.435,"end":46.935,"sentiment":"neutral","sentiment_score":-0.0021165115758776665},{"text":"That's all.","start":46.995003,"end":47.475002,"sentiment":"neutral","sentiment_score":0.0066007827408611774},{"text":"But yeah.","start":47.475002,"end":52.355,"sentiment":"neutral","sentiment_score":-0.0068504950031638145},{"text":"Just a 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yeah.","start":86.695,"end":89.42,"sentiment":"neutral","sentiment_score":0.1392061673104763},{"text":"Yep.","start":98.28,"end":98.78,"sentiment":"neutral","sentiment_score":0.22256289422512057},{"text":"Yep.","start":123.46,"end":123.795,"sentiment":"neutral","sentiment_score":0.04192265123128891},{"text":"Darren 50 Casa.","start":124.034996,"end":125.655,"sentiment":"neutral","sentiment_score":0.007994705811142921},{"text":"121065.","start":126.674995,"end":128.295,"sentiment":"neutral","sentiment_score":0.0059728724882006645}],"sentiment":"neutral","sentiment_score":0.07160685874987394,"num_words":8,"start":86.695,"end":128.295},{"sentences":[{"text":"Yep.","start":135.075,"end":135.315,"sentiment":"neutral","sentiment_score":0.0026078165974467993},{"text":"That's right.","start":135.315,"end":136.135,"sentiment":"neutral","sentiment_score":0.008934615645557642},{"text":"Number 2, Allen Street, 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away.","start":188.455,"end":189.595,"sentiment":"neutral","sentiment_score":0.02951069362461567}],"sentiment":"neutral","sentiment_score":0.1533563359906631,"num_words":14,"start":180.29,"end":189.595},{"sentences":[{"text":"Just a quick getaway.","start":189.815,"end":191.35501,"sentiment":"neutral","sentiment_score":0.06272614188492298},{"text":"And yeah.","start":192.215,"end":194.55501,"sentiment":"neutral","sentiment_score":0.09959370270371437},{"text":"Yeah.","start":203.79999,"end":204.04,"sentiment":"neutral","sentiment_score":0.038710013031959534},{"text":"It should be done this week.","start":204.04,"end":205.34,"sentiment":"neutral","sentiment_score":0.04373937721053759},{"text":"Yeah.","start":209.15999,"end":209.65999,"sentiment":"neutral","sentiment_score":-0.0024865707382559776}],"sentiment":"neutral","sentiment_score":0.05348226275028927,"num_words":14,"start":189.815,"end":209.65999},{"sentences":[{"text":"Just working in between.","start":213.615,"end":214.655,"sentiment":"neutral","sentiment_score":0.002663229126483202},{"text":"I do well, I only do sort of casual weekends, really, so I've just got home.","start":214.655,"end":220.595,"sentiment":"neutral","sentiment_score":0.017994730093050748},{"text":"Just got home after work in the weekend and few days off and get a bit done and then go back to it again and going away next week.","start":220.815,"end":229.59,"sentiment":"neutral","sentiment_score":0.02774728921338402},{"text":"So yes.","start":229.59,"end":234.87001,"sentiment":"neutral","sentiment_score":0.0610843263566494},{"text":"Email here now.","start":234.87001,"end":235.91,"sentiment":"neutral","sentiment_score":0.083156056702137}],"sentiment":"neutral","sentiment_score":0.027312533481529466,"num_words":54,"start":213.615,"end":235.91},{"sentences":[{"text":"Just got it open.","start":235.91,"end":236.97,"sentiment":"neutral","sentiment_score":0.144938750192523},{"text":"So just click on 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money.","start":451.835,"end":455.69498,"sentiment":"negative","sentiment_score":-0.5556655849019686}],"sentiment":"negative","sentiment_score":-0.37444735619993436,"num_words":21,"start":375.765,"end":455.69498},{"sentences":[{"text":"So a bit of a problem.","start":456.395,"end":459.375,"sentiment":"neutral","sentiment_score":-0.2589510629574458},{"text":"Yeah.","start":495.13,"end":495.37,"sentiment":"neutral","sentiment_score":-0.006287984549999237},{"text":"Well, that yeah.","start":495.37,"end":498.03,"sentiment":"neutral","sentiment_score":-0.012743686325848103},{"text":"That was one option to just to get rid of it and sort it out.","start":498.25,"end":504.325,"sentiment":"neutral","sentiment_score":-0.08486208369334539},{"text":"It's all, but it's not a huge debt, I guess, but it it would be 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good.","start":1598.43,"end":1599.49,"sentiment":"neutral","sentiment_score":0.28305508693059284},{"text":"Yep.","start":1610.0449,"end":1610.5449,"sentiment":"neutral","sentiment_score":0.03361622989177704},{"text":"Yep.","start":1657.08,"end":1657.58,"sentiment":"neutral","sentiment_score":0.12898321449756622},{"text":"Yeah.","start":1684.2999,"end":1684.665,"sentiment":"neutral","sentiment_score":0.16922816634178162}],"sentiment":"neutral","sentiment_score":0.11076109541150239,"num_words":13,"start":1594.75,"end":1684.665},{"sentences":[{"text":"Yep.","start":1690.425,"end":1690.925,"sentiment":"neutral","sentiment_score":0.30461305379867554},{"text":"Yeah.","start":1703.66,"end":1704.0599,"sentiment":"neutral","sentiment_score":0.09185649454593658},{"text":"Got it.","start":1704.0599,"end":1704.54,"sentiment":"neutral","sentiment_score":0.13819701969623566},{"text":"Yep.","start":1704.54,"end":1705.04,"sentiment":"neutral","sentiment_score":0.15847447514533997},{"text":"Yep.","start":1763.795,"end":1764.295,"sentiment":"neutral","sentiment_score":0.06773196160793304}],"sentiment":"neutral","sentiment_score":0.14984500408172607,"num_words":6,"start":1690.425,"end":1764.295},{"sentences":[{"text":"Yes.","start":1764.355,"end":1764.855,"sentiment":"neutral","sentiment_score":0.18712154030799863},{"text":"Uh-huh.","start":1786.09,"end":1786.59,"sentiment":"neutral","sentiment_score":0.009423788636922836},{"text":"Yeah.","start":1798.035,"end":1798.535,"sentiment":"neutral","sentiment_score":-0.018405335023999218},{"text":"I think that's I can't think of anything at the moment.","start":1799.235,"end":1802.295,"sentiment":"neutral","sentiment_score":-0.15733503821221265},{"text":"I think that's alright.","start":1803.035,"end":1805.28,"sentiment":"neutral","sentiment_score":-0.02088704751804471}],"sentiment":"neutral","sentiment_score":-0.09089408980475532,"num_words":18,"start":1764.355,"end":1805.28},{"sentences":[{"text":"Uh-huh.","start":1819.52,"end":1820.02,"sentiment":"neutral","sentiment_score":0.08017516136169434},{"text":"Yeah.","start":1830.525,"end":1831.025,"sentiment":"neutral","sentiment_score":0.18565835058689115},{"text":"I'm getting there.","start":1831.5651,"end":1832.785,"sentiment":"neutral","sentiment_score":0.1867967943350474},{"text":"It's some things are a challenge, but they never go quite the way you sort of plan.","start":1834.3701,"end":1844.2101,"sentiment":"neutral","sentiment_score":-0.20321123258155935},{"text":"But, yeah, it's going alright.","start":1844.2101,"end":1846.6901,"sentiment":"neutral","sentiment_score":0.0970320574939251}],"sentiment":"neutral","sentiment_score":-0.07937802857270947,"num_words":27,"start":1819.52,"end":1846.6901},{"sentences":[{"text":"Figuring it out.","start":1846.6901,"end":1847.65,"sentiment":"neutral","sentiment_score":0.0345071405172348},{"text":"We're getting there.","start":1847.65,"end":1848.525,"sentiment":"neutral","sentiment_score":0.007611381510893504},{"text":"Alright.","start":1859.965,"end":1860.4451,"sentiment":"neutral","sentiment_score":0.2386069893836975},{"text":"Yep.","start":1860.4451,"end":1860.685,"sentiment":"neutral","sentiment_score":0.28381913900375366},{"text":"Thank you very much.","start":1860.685,"end":1861.59,"sentiment":"positive","sentiment_score":0.7754379957914352}],"sentiment":"neutral","sentiment_score":0.3125444731364648,"num_words":12,"start":1846.6901,"end":1861.59},{"sentences":[{"text":"Yeah.","start":1865.19,"end":1865.4299,"sentiment":"positive","sentiment_score":0.3589332401752472},{"text":"You too.","start":1865.4299,"end":1865.9099,"sentiment":"positive","sentiment_score":0.35484546422958374},{"text":"Thank you.","start":1865.9099,"end":1866.57,"sentiment":"positive","sentiment_score":0.6215042471885681},{"text":"Bye.","start":1868.71,"end":1869.21,"sentiment":"neutral","sentiment_score":-0.10899081081151962}],"sentiment":"positive","sentiment_score":0.36710697536667186,"num_words":6,"start":1865.19,"end":1869.21}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Darren. It's Dana from OQ Financial. How are you this morning?\n\nChannel 1: Hello? Oh, good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had just looking to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah? Oh, good. I'm just I normally send through the document via email for you to review as well. Do you have access to your email, sir, at the moment?\n\nChannel 1: Oh, yeah. Yeah.\n\nChannel 0: No. That's okay. It sounds like it might have caught you at a bad time. Is\n\nChannel 1: Oh,\n\nChannel 0: there a is a better time for us to go through things? I'm so sorry.\n\nChannel 1: that's alright. No. Just just a few things to do. Renovating.\n\nChannel 0: Oh,\n\nChannel 1: Renovating. That's\n\nChannel 0: okay.\n\nChannel 1: all. But\n\nChannel 0: Oh, you you do have a lot happening.\n\nChannel 1: yeah.\n\nChannel 0: That's\n\nChannel 1: Just\n\nChannel 0: okay.\n\nChannel 1: a bit. Yeah.\n\nChannel 0: Yeah. It is just normally easier if we kinda go through this together. Otherwise, is there a more suitable time that I can give you a call just to run through the updated advice? I'm happy to even try later this afternoon if you prefer. What would suit you?\n\nChannel 1: Same same a bit of the same situation,\n\nChannel 0: Do the\n\nChannel 1: but\n\nChannel 0: same thing? Yeah. That's okay. I can make it as quick as possible, sort of run through things in, you know, the quickest time possible to make it easier on you if now is gonna be okay just to to go through it\n\nChannel 1: yeah.\n\nChannel 0: if you've\n\nChannel 1: Yeah.\n\nChannel 0: got the\n\nChannel 1: Alright.\n\nChannel 0: spare ten,\n\nChannel 1: Yeah. That's\n\nChannel 0: fifteen minutes. Yeah?\n\nChannel 1: yeah.\n\nChannel 0: Beautiful. Oh, good. Look. Before I jump into the call, Darren, I just have to let you know we do record our calls for quality training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And I've just emailed through the document to you. If you are able to access your emails, if you wanna try and pull that one up, that would be fabulous, and I can just direct you through the the pages that I need you to make it easier on you. And just while that is coming through there, just to kind of also do a quick security check there for you just to get you to confirm your full name, your date of birth, and address I should have on\n\nChannel 1: Yep. Darren 50 Casa.\n\nChannel 0: file. Yep.\n\nChannel 1: 121065.\n\nChannel 0: Yep. And, sorry, your address as well. I do apologize.\n\nChannel 1: Yep. That's right. Number 2, Allen Street, Surrey.\n\nChannel 0: Yeah. Beautiful. Fantastic. Thank you so much for that. So are you able jump into your emails there and pull that document up?\n\nOr\n\nChannel 1: Yep. Yep. I'll just have a look\n\nChannel 0: Yep.\n\nChannel 1: in.\n\nChannel 0: That's okay. It might take a second to come through. Sometimes these do take a moment. Sorry. But I love technology when it wants to work for\n\nChannel 1: Yeah.\n\nChannel 0: us. You said you're renovating at the moment. What sort of renovating are you doing?\n\nChannel 1: Just a a Caribbean, actually.\n\nChannel 0: Wow. You're renovating a caravan?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That is truly incredible, honestly.\n\nChannel 1: You're a lot of fun.\n\nChannel 0: Yeah. Yeah. Is this for you to go away in? Or\n\nChannel 1: Yeah. Yeah. Just for yeah. We are going away. Just a quick getaway.\n\nAnd\n\nChannel 0: Oh, fantastic.\n\nChannel 1: yeah.\n\nChannel 0: Oh, that's honestly fantastic. And how long do you think it should take you to have the renovation completed on that one?\n\nChannel 1: Yeah. It should be done this week.\n\nChannel 0: Oh, fantastic. Wow. Have you taken a bit\n\nChannel 1: Yeah.\n\nChannel 0: of time off to complete the renovation? Are you still working in between that?\n\nChannel 1: Just working in between. I do\n\nChannel 0: Yeah.\n\nChannel 1: well, I only do sort of casual weekends, really, so I've\n\nChannel 0: Yeah.\n\nChannel 1: just got home. Just got home after work in the weekend and few days off and get a bit\n\nChannel 0: Oh,\n\nChannel 1: done and\n\nChannel 0: yeah.\n\nChannel 1: then go back to it again and going\n\nChannel 0: Yeah.\n\nChannel 1: away next week. So\n\nChannel 0: Wow.\n\nChannel 1: yes. Email here now. Just got it open.\n\nChannel 0: Beautiful. Excellent. So if you press on the sign here button, it'll take you through so you can see the document there and scroll up and down through it. On the front of the document when you are looking at it, we'll just say statement of advice prepared for Darren Casa as of the 07/30/2026. This is when we prepared the document for you.\n\nAnd on the bottom, it has my license information. So I'm a registered financial adviser with Assic, and my license number is 1304394.\n\nChannel 1: So just click on\n\nChannel 0: Yep. It'll take you through. And once you move to the next section, you'll see the document. You should be able to scroll up and down through it.\n\nChannel 1: document. Yeah.\n\nChannel 0: Yep. When it lets you move up and down to the pages there, if you can move down to page number three for me, you'll have the heading scope of advice considered.\n\nChannel 1: Hang on. Just\n\nChannel 0: It's okay.\n\nChannel 1: do more\n\nChannel 0: You'll\n\nChannel 1: do more fine.\n\nChannel 0: can be a little bit difficult on the phone. Understandable.\n\nChannel 1: Grab my glasses too.\n\nChannel 0: Yeah. You're fine.\n\nChannel 1: Okay. Now what page was that again?\n\nChannel 0: Page number three. The heading should say scope of advice considered.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So when we did your annual review, you wanted me to have a look at the the advice and have a look at your super just to kind of see, you know, how we were tracking, what we're looking forward to. Your goal then was to be able to retire around about age 65 to 67. Is that still kind of your goal over time and age at this point\n\nChannel 1: Yeah. Yep.\n\nChannel 0: in time? Yep. Beautiful. We also scoped in the estate planning side of things as well. So we wanted to make sure that your beneficiaries are up to date and that you do have a will and power of attorney in place to reflect your wishes in the event that something was to happen.\n\nWe've also, on the next page, just got a limited scope into the adviser. So we were looking at down the track what we're sort of tracking towards by age five 65 to 67 when you choose to retire and what sort of age pension eligibility you might be able to obtain at that time. Okay? Areas that we have scoped out is on page number five. So not looking at any cash on budgeting areas at the moment.\n\nSo you guys wanted to take a holiday to Malta to see your dad. We're not providing advice in that area at the moment. You also wanted to look at possibly buying a house advice in that area at the moment. You also wanted to look at possibly buying a house in the future. We're scoping that out for the time being.\n\nIt does honestly look like one of the things we talked about was the possibility of using some of your stupid down the track to be able to purchase a home. When I kind of run the projections for it, it really it honestly doesn't look like you're going to have enough to be able to do that as well as fund retirement. So we\n\nChannel 1: Yeah.\n\nChannel 0: may have to look at other other areas or other ways to purchase a home down the track, but we can definitely help them provide advice around that for you. Okay?\n\nChannel 1: Yeah. That's what I sort of thought. I'm I am running out of time and\n\nChannel 0: Yeah.\n\nChannel 1: and not enough money.\n\nChannel 0: No.\n\nChannel 1: So a bit of\n\nChannel 0: Under yeah.\n\nChannel 1: a problem.\n\nChannel 0: Understand. Understandable. The other thing we looked at was your because you're over the age of 60 now, you also wanted me to look at whether a transition to retirement strategy would be able to assist you in any way. So I have had a really good look at the research and tried to work out best way to do it. One of the other things that you wanted to do was to pay off your debts.\n\nSo you had a loan on your MUX, and you were hoping to be able to draw some money out of super to help pay down that debt. Do those goals still sound reflective? Does that kind of ring a bell\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Well, that\n\nChannel 0: our\n\nChannel 1: yeah.\n\nChannel 0: last\n\nChannel 1: That was one option\n\nChannel 0: conversation, Darren? Yeah.\n\nChannel 1: to just to get rid of it and sort it out. It's all, but it's not a huge debt, I guess, but it\n\nChannel 0: Yeah.\n\nChannel 1: it would be\n\nChannel 0: Nice to reduce it or get rid of it?\n\nChannel 1: yeah. Yeah. Well, still, I've\n\nChannel 0: Yeah.\n\nChannel 1: got a bit a little bit of money in in bank as well. We nearly do it that way, but,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, whatever's the best way, really.\n\nChannel 0: No. Absolutely. Well, I did look at a way to utilize your super to help to reduce the debt as much as possible. Unfortunately, the research came back where we're not able to completely reduce it down to zero, but we are able to utilize a strategy to be able to take some of the funds out for you to help reduce it back. So at the time that we last spoke, the debt you had owing on the vehicle was around about 45,000.\n\nHave you been able to reduce that a little bit in the last few months at all?\n\nChannel 1: We'll just really making the standard payment, so not not\n\nChannel 0: Yeah.\n\nChannel 1: making extra,\n\nChannel 0: Not much.\n\nChannel 1: but\n\nChannel 0: Yeah. That's\n\nChannel 1: wouldn't\n\nChannel 0: okay.\n\nChannel 1: be much. No.\n\nChannel 0: No. That's okay. Well, if you sort of move down to page number 12, this is the start of the recommendations there for you. So, essentially, I did go back and look at that transition retirement strategy option. Unfortunately, with your occupation, because you are casual and your income does fluctuate very heavily, the TTR strategy where we increase contributions in and draw some out on a regular basis wasn't really working.\n\nSo the way I've been able able to kind of help you to pay down some of that car loan is that we can start by opening up a TTR pension account just for this financial year. Essentially, this is just called a snap and grab. So what we do is we open up that pension account. We move all but about 10,000 over into that 10 CTR pension account. And under the rules of a transition retirement, you're allowed to draw at up to 10% of the funds.\n\nSo we move some funds over, and we estimate you should be able to take about 17,450 and 16¢ out for this financial year. And we're gonna draw that down for you so you can put that on the loan. That would reduce your loan by approximately 17,450 and 16¢. Unfortunately, with the balance that you have, we're not able to fully draw out the full amount to cover the loan and draw it down to zero. But\n\nChannel 1: Yes.\n\nChannel 0: under the rules of that TTR account, we're able to at least access that 17,000 for you. So the way this essentially works is that because you are still working, we still keep your super your accumulation account in place. We leave about 10,000 plus the tax liability aside, and then the rest of the funds get rolled into a separate super. It's called a pension account, and it's a TTR pension account or transition to retirement pension account. From there, we're able to draw that 17,450 and 16¢ as a lump sum down that is drawn to your bank account.\n\nAnd then once we draw that money down, because we've accessed the full 10% of those funds available for this financial year, you won't be able to take any more money out of that account. We'll then roll those funds back into your super account. So you'll then only have one account, but it means you're able to access that money to help pay down your debt. Does that make sense?\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah. Yeah. But we did look at doing that, the t the TTR strategy probably with increasing contributions in and being able\n\nChannel 1: Yep.\n\nChannel 0: to draw out on a regular basis. But, unfortunately, because your income does fluctuate quite heavily with you being casual, it just wasn't working properly. It wasn't providing any great benefit to you. So I\n\nChannel 1: Yes.\n\nChannel 0: went back to looking at this strategy because one of the things we talked about last you know, when we spoke last time was that you really wanted to try and reduce that debt as much as possible. So trying to access some of that money to do that was one of your goals that you'd mentioned you wanted me to look at. So this is a way that we're able to do that for you. Do you have any questions around that at the moment at all, Darren? You're allowed to let me know if you do.\n\nChannel 1: No. That's that sounds good enough. That sounds pretty\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: That's okay. As you once we're after the call, if you wanna take some time to go back and have a really good read through, we do have a lot more detail in there for you around the strategy, how it works, the advantages, the disadvantages, and the risks involved there as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: So, essentially, the first part of the strategy is to start by opening up that transition retirement pension account. We'll draw down that 10% for the year. And once that money hit your bank account, we'll close that account back off and roll those funds back into accumulation for you. Now if\n\nChannel 1: How\n\nChannel 0: I\n\nChannel 1: are\n\nChannel 0: can get\n\nChannel 1: you?\n\nChannel 0: you to go down to page number 18 for me, once those\n\nChannel 1: H.\n\nChannel 0: funds have gone back yeah. The other thing that we looked at was about making sure that your portfolio was working for you as well. So I had a really good look at the portfolio, the investments that you have within your super, and how that was working moving forward for you as well. So as we kinda went through, you're in more of a balanced growth environment, which generally sees about as 70% of your super invested in growth assets. So things like Australian and international shares, listed property, and commodities.\n\nThose are those ones that go up and down quite heavily and can make us quite nervous. I had a bit of a look at how you your portfolio was structured, making sure to keep you in that balanced growth environment there. And this\n\nChannel 1: Yep.\n\nChannel 0: page outlines what with any changes that we're gonna make to your portfolio. So, essentially, now you should be looking at page 18. There you can see a table with lots of different investments on it. Is that right?\n\nChannel 1: Yeah. Just\n\nChannel 0: Yep.\n\nChannel 1: yep. Right now. Yep.\n\nChannel 0: Yeah. All good. So having a look at this table here, you've actually currently got some physical gold. If you sort of follow it down, the third column shows you have about 9.92% physical gold in your portfolio at the moment. We wanna kinda rebalance it for you and make sure you hold 10%.\n\nSo it means we're gonna buy a little bit more physical gold into your portfolio. You do also\n\nChannel 1: Alright.\n\nChannel 0: currently have the Benelong Australian Equities, which is the next investment noted down. That investment has been underperforming from your portfolio. So I've made the decision to remove that out. We're gonna sell that one down completely and move it. As much as we are, you know, looking to access some funds, we also as moving forward, wanna sure your soup is working as hard as possible.\n\nSo anything\n\nChannel 1: Yeah.\n\nChannel 0: underperforming is should be removed out of your portfolio.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: As you've also got the beta shares Raffi a 200, which is the next investment down. We're gonna sell that down as well. Essentially, we've found a much more low cost option of holding Australian equities, so that means just reevaluating the portfolio. So we're gonna sell those investments down to zero. You've\n\nChannel 1: Oh,\n\nChannel 0: also\n\nChannel 1: yeah.\n\nChannel 0: got the beta shares Aussie Bank hybrid. These are more of a complex investment, but they are being phased out by the government. So I'm gonna sell those down and remove those from your portfolio as well.\n\nChannel 1: Yep.\n\nChannel 0: You've also got the iShares Yield Plus. Not a bad investment in any way, shape, or form, but we are gonna sell those down and change your portfolio around a little bit. Your cybersecurity is we wanna keep some of that. You hold about 5.37 at the moment. We only wanna hold 4%, so we're gonna sell some of it and just retain the cybersecurity moving forward.\n\nThe next one down is a ClearBridge infrastructure fund. That one, again, is not sort of performed as well as we sort of hoped. In the newer portfolio, it does mean that we can sell that down and replace it with something else. So we're gonna sell all of that investment to zero for you as well. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: The the s and p 500, this is giving you exposure to the top 500 companies within The US there. Within your portfolio, we wanna hold about 25%. You only hold about 20% at the moment, so we need to buy some more of that to bring you back to where you should be. And then\n\nChannel 1: Are\n\nChannel 0: the\n\nChannel 1: you?\n\nChannel 0: next one down is the JPMorgan Global Research enhanced equity fund. But this is more of an actively managed fund. It's about utilizing JPMorgan's research team to find where there are areas to be purchased or areas where there might be additional growth. Because of your balanced growth environment, we're looking at trying to reduce the risk level as much as possible. So having more actively managed funds does mean that this investment can underperform in the future.\n\nSo I am looking to reduce your risk level by moving this one out of there for you. We're gonna sell that one down to zero. To make sure you still have more than just the two investments that we've, you know, we're selling everything down, we're then gonna buy into the European market. So you'll hold 7% there. This is giving you exposure to all 16 European countries to giving you diversification.\n\nUnderneath that, we're gonna hold 3% in the Japanese market. And then to keep diversification, because you're in that balanced growth environment area and you are wanting to access super in the near future, we are looking to try and reduce your risk level as much as possible. And one of the ways we do that is to diversify your portfolio. So the next one down is the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there.\n\nSo we're gonna hold 7% of that and giving you exposure to us into the whole world. As I mentioned before, we get we're removing the ban along Australian Equities in the Raffy a 200 because we found a much cheaper option for you. So we're gonna hold the BetaShares a 200. This is giving you exposures to the top 200 companies on the ASX. So it's actually giving you greater diversification, and it's a lower cost way of holding Australian equity exposure.\n\nAnd it how it's actually cheaper for your portfolio as well. One of the things I wanted to look at doing was trying to reduce the fees within your portfolio as much as possible as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then because you do still wanna hold defensive investments, they've got the core composite bonds. This essentially is giving you access to bonds, which pay income, which is important. The income is paid from the investment into your cash account within your super, and then it's reinvested back into your portfolio. We wanna hold 24% of this, so we're gonna buy a bit over $39,000 and for you into that investment. This is a lot, and I fully understand that.\n\nDo you have any questions about that so far about those changes that I'm making?\n\nChannel 1: No. That's yeah. That's\n\nChannel 0: No?\n\nChannel 1: pretty good.\n\nChannel 0: Beautiful. Excellent. Essentially, it's just about making sure that you're in the best performing portfolio and essentially utilize past data and how portfolios\n\nChannel 1: Yep.\n\nChannel 0: have performed over the past to assess how they can perform in the future. And, essentially, investments that you might have had in your portfolio back three, four, five years ago do need to every now and then be updated and changed to reflect market changes. So it's important to have these sorts of things updated regularly for you. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Excellent. If you can move down to page number 21, I can show you the main difference.\n\nChannel 1: 20\n\nChannel 0: Business.\n\nChannel 1: one.\n\nChannel 0: Yeah. See comparison table there.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So the first column essentially has your Netwealth Super account with your current balance there. And\n\nChannel 1: Yep.\n\nChannel 0: then, obviously, this the recommended shows the balance after you've had that withdrawal out. So the way I would like to implement this is we start by doing opening up the pension account first, drawing down the 10%, that's 17,000 for you so you can pay down your debt. Then we roll the funds back into super, and then we do the investment switch for you. Okay? We do estimate that the CDT on the investments, which will be about $883.\n\nSo we do know your your super fund, just like you, does a tax return every year. So whenever there are changes to investments, buyers, sales, income that's produced, your super fund does a tax return, and they pay income tax and CGT tax. So in order to make the switches to withdraw the funds and then also to complete the investment switch, the estimated CGT your super fund will take care of is about $883.70. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. When we look at the difference in fees, so the by making these changes, we estimate that you'll save about $27 for the year on administration fees. The newer portfolio saves you $440 for the year in investment fees, and then any other fees applicable to the fund, about $42 there. So all in all, you're actually saving money.\n\nWe're saving about if I add it all up for you, you're saving about $509 on fees by making the changes within your super fund. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. The ongoing service fee for us looking after your super and going to the work we do and providing advice, that remains exactly the same. And then the contributions, I am also making a recommendation that once we've completed this now one thing we talked about was moving forward was the ability for you to maybe salary sacrifice and add more money into super. Once we've completed the changes, you've drawn the money out.\n\nWe've rolled everything back into super and also made the switches. In order to make sure your super is working harder and providing us greater benefit down the track to get you as much money in the super as possible. I'm also making a recommendation that you do start salary sacrificing as well. Essentially, when I sort of looked at the projected outcome, it does show that whilst you have some eligibility for Centrelink down the track, your super balance wasn't quite, you know, growing enough to be able to provide sufficient relief with super sorry, with the age pension to be able to last as long as possible. So we sort of talked about starting to salary sacrifice, and you were comfortable with around about $50 per fortnight when we spoke.\n\nI'm actually gonna recommend that you start to salary sacrifice $50 per week into super. It means that you're putting a bit more back into super to replenish what you take out to pay down the debts, but it's also money invested working harder for you. We sort of need to increase contributions now so that when we get to retire in age of 65 or 67, that you've got a bit more money invested that you're able to then draw down on to assist and give as much last as long as possible in retirement. Does that make sense?\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Yeah. So, essentially, once with the recommendations to kinda break it down and make it as easy as possible, we'll start by opening up this transition retirement account for you. We can draw down the funds so you can pay down the debt, then we'll roll everything back into your super accumulation side of things. We'll do the investment switch to put you into the newer portfolio, which is cheaper and saving you on money and performing better. And then we'll also recommend that you do start salary sacrificing $50 per week out of your income.\n\nSo putting a bit more into super, to have more money invested for your retirement. Does that make sense? Do you have any questions?\n\nChannel 1: Yeah. It does. I just\n\nChannel 0: Yeah.\n\nChannel 1: how much do I need to to I just don't have sorta, well, put too much, but then I gotta have enough. So it's just\n\nChannel 0: Yeah.\n\nChannel 1: a a hard one to really know, but it sounds sounds about right.\n\nChannel 0: Yeah. Yeah. So when I have a look at the the recommendations with increasing the salary sacrifice by $50 per week plus switching the investments. The old of the sorry. The newer portfolio has averaged about 10.19%.\n\nSo we kind of, over the next five to ten years, can estimate that you should be able to end up in six years' time of 67 with around about 253,000, and around about four years, about 221,000. In ten years, if you decide to work a little bit longer, you could end up with a bit over 320,000 in super. So it's about just making sure that we have as much as possible in that super fund working harder for you.\n\nChannel 1: Yes.\n\nChannel 0: You all you do have the option if you decide you no longer wanna take the money out of super to pay down the the car loan. You could always just decide not to go ahead with that section of the strategy. It's just that I had to incorporate that because when we spoke last time, that was one of your goals. You sort of said I would like to be able to pay down that debt as soon as possible utilizing some of the super debt. So I've generated this strategy to make sure that you're able to hopefully pay down some of that car loan, which frees up a bit of your cash and saves on interest on the loan.\n\nBut then we also alter the investments within super to keep them working harder, and then we also look at increasing the contributions in the super over the next four, six to ten years to kind of provide as big a boost as we possibly can to make sure that when you retire, you're able to draw down what you need to live on and supplement\n\nChannel 1: Yep.\n\nChannel 0: Centrelink there as well to kinda give you longevity. Does that make sense? Do you have any questions? You're welcome to let me know if anything doesn't.\n\nChannel 1: So as far as getting a pension, what what what would be too much to\n\nChannel 0: Well,\n\nChannel 1: other\n\nChannel 0: at the sorry. So too much in order to have in super for the age pension?\n\nChannel 1: yeah.\n\nChannel 0: Yeah. So you definitely, with the projected outcome, are not gonna have too much in there.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, the age pension thresholds do change and are indexed on a regular basis as well, so they could definitely\n\nChannel 1: Yep.\n\nChannel 0: go up between now to when you're eligible for age pension. But as a non homeowner, in order to access a full age pension currently as a couple, you essentially need to have assets under 766,000.\n\nChannel 1: Yep.\n\nChannel 0: So based\n\nChannel 1: I\n\nChannel 0: on everything that I can see, you should be eligible for full age pension based on the current scenario. And\n\nChannel 1: know.\n\nChannel 0: then\n\nChannel 1: Yeah. That's what I sort\n\nChannel 0: sorry.\n\nChannel 1: of thought. I just yeah. Really just making sure. Yeah. I thought I'd be right, but yeah.\n\nThat's that's good.\n\nChannel 0: Yeah. No. So at the moment, you should be eligible full age pension at that point in time.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. My computer started talking to me at the same time. I do apologize. Yeah. You should be eligible offset.\n\nBecause the age pension, when you think about how much you make from that, it still doesn't really cover all of the expenditure and give someone, you know, a good quality of living. It's meant for a base level of expenditure and does tend to keep people around that poverty line. So we like to try and keep as much inside sleeper as possible so you can get as much age pension as possible, but then also draw some out of sleep with a supplement that to make sure you've got enough income to live on, just travel, to do whatever you wanna do.\n\nChannel 1: Yep.\n\nChannel 0: And then as as you get older, there is often more of an increase around what you need in the way of, you know, medical expenses and and care and things like that. It's you know, we all start off in retirement being able to travel and enjoy our going out for dinner and having fun and doing the things we want. But then, you know, as we kind of go through retirement, we end up, you know, ten, twenty, thirty. Some people live in retirement for forty years. So\n\nChannel 1: Yeah.\n\nChannel 0: it's about making sure you've got some Centrelink and or super to supplement that to give you\n\nChannel 1: Yep.\n\nChannel 0: longevity to keep your money lasting as long as possible. That's kind of where I'm aiming at, but also helping to make sure we can get those debts paid down as quickly as possible for you as well, if that makes\n\nChannel 1: Yeah. Got it. Yep.\n\nChannel 0: sense. Yeah. Yeah. Beautiful. I know it can be a lot.\n\nSo I've you've got the document there in your emails. If you wanted to take some time today to read through the strategy, all the strategies outline what I'm recommending, how and why, how it relates back to your goals and your best interest duty. It's got the advantages, the disadvantages, and the risks involved. If you find you have any questions, please come back and let me know. But I'd definitely like you to take some time just to read over the document, you know, read those sections.\n\nLet me know if you have any questions there. And if you're happy to proceed with the advice, we'll get you to sign and return it back to us. It's also got your ongoing service agreement attached to that. So we when we did the annual review early in the year, it just looks like the ongoing service agreement wasn't signed. So we've attached it to the advice document, and we just ask that you sign and return that back to remain seeking our services and to remain a of IT Financial there as well.\n\nOkay?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Excellent. On the very last page, if you find there's any section of the advice that you do not wish to proceed with, there is a little box that says multiline. You can just write in there. So if you didn't wanna, you know, go through with any section of the advice, you just write what you do not wish to proceed with, and we can make sure that that is followed through. Okay?\n\nChannel 1: Uh-huh.\n\nChannel 0: All good. Do you have any questions, Darren? You're welcome to let me know if there's any that have come up. Please let me know if you need me to clarify things further for you.\n\nChannel 1: Yeah. I think that's I can't think of anything at the moment.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: think that's alright.\n\nChannel 0: Yeah. Yeah. That's fine. Take your time. Have a reach of the document there.\n\nMy team will definitely follow-up with you to see if you do happen to have any questions. And if you are just happy to take on the advice and follow through, I'll get you to sign and return it back for me. Okay?\n\nChannel 1: Uh-huh.\n\nChannel 0: All good. All good. Well, thank you so much for taking my call. I hope you have a good day. Good luck with the rest of the renovations on the caravan.\n\nChannel 1: Yeah. I'm getting there. It's\n\nChannel 0: Look. You're very you're doing better than I could. You're very handy.\n\nChannel 1: some things are a challenge, but they\n\nChannel 0: Yeah.\n\nChannel 1: never go quite the way you sort of plan. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it's going alright. Figuring it out.\n\nChannel 0: No.\n\nChannel 1: We're getting there.\n\nChannel 0: Oh, fantastic. All good. Well, I will let you go. Thank you so much for taking my call. You have a good rest of your day, and, again, just let me know if there are any questions in relations and advice document.\n\nOkay?\n\nChannel 1: Alright. Yep. Thank you very much.\n\nChannel 0: Thank you, Darren. I'll talk to you soon. You have a good afternoon.\n\nChannel 1: Yeah. You too. Thank you.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":6.08,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.20601247251033783},{"text":"It's Dana from OQ Financial.","start":6.8799996,"end":8.66,"sentiment":"neutral","sentiment_score":0.20875142216682435},{"text":"How are you this morning?","start":8.72,"end":9.86,"sentiment":"neutral","sentiment_score":0.28850674629211426}],"sentiment":"neutral","sentiment_score":0.24152631560961405,"channel":0,"num_words":12,"start":6.08,"end":9.86},{"sentences":[{"text":"Hello?","start":10.08,"end":10.16,"sentiment":"neutral","sentiment_score":0.16596442461013794},{"text":"Oh, good.","start":10.16,"end":10.719999,"sentiment":"positive","sentiment_score":0.5425388813018799},{"text":"Thanks.","start":10.719999,"end":10.96,"sentiment":"positive","sentiment_score":0.6473533511161804},{"text":"How are you?","start":10.96,"end":11.78,"sentiment":"positive","sentiment_score":0.45138678948084515}],"sentiment":"positive","sentiment_score":0.4646508438246591,"channel":1,"num_words":7,"start":10.08,"end":11.78},{"sentences":[{"text":"I'm very well.","start":11.92,"end":12.799999,"sentiment":"positive","sentiment_score":0.6620384256045023},{"text":"Thank you.","start":12.799999,"end":13.2,"sentiment":"positive","sentiment_score":0.7482426464557648},{"text":"Thanks for asking.","start":13.2,"end":14.025,"sentiment":"positive","sentiment_score":0.7126181125640869},{"text":"I had just looking to go through your updated statement of advice.","start":14.025,"end":16.585,"sentiment":"positive","sentiment_score":0.3509751483798027},{"text":"Is now still a good time there for you?","start":16.585,"end":18.525,"sentiment":"neutral","sentiment_score":0.3285316692458259}],"sentiment":"positive","sentiment_score":0.44099799004094353,"channel":0,"num_words":29,"start":11.92,"end":18.525},{"sentences":[{"text":"Yeah.","start":19.875,"end":20.375,"sentiment":"neutral","sentiment_score":0.10198363661766052}],"sentiment":"neutral","sentiment_score":0.10198363661766052,"channel":1,"num_words":1,"start":19.875,"end":20.375},{"sentences":[{"text":"Yeah?","start":21.385,"end":21.885,"sentiment":"neutral","sentiment_score":0.09533843398094176},{"text":"Oh, good.","start":22.505001,"end":23.085,"sentiment":"neutral","sentiment_score":0.25842492282390594},{"text":"I'm just I normally send through the document via email for you to review as well.","start":23.785,"end":27.65,"sentiment":"neutral","sentiment_score":0.1714457576163113},{"text":"Do you have access to your email, sir, at the 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you you do have a lot 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I","start":716.855,"end":717.255,"sentiment":"neutral","sentiment_score":0.041215844452381134}],"sentiment":"neutral","sentiment_score":-0.2757559236671243,"channel":0,"num_words":35,"start":705.57996,"end":717.255},{"sentences":[{"text":"Yes.","start":717.095,"end":717.595,"sentiment":"neutral","sentiment_score":0.07295134663581848}],"sentiment":"neutral","sentiment_score":0.07295134663581848,"channel":1,"num_words":1,"start":717.095,"end":717.595},{"sentences":[{"text":"went back to looking at this strategy because one of the things we talked about last you know, when we spoke last time was that you really wanted to try and reduce that debt as much as possible.","start":717.255,"end":727.095,"sentiment":"neutral","sentiment_score":0.2559470051997586},{"text":"So trying to access some of that money to do that was one of your goals that you'd mentioned you wanted me to look at.","start":727.095,"end":733.08997,"sentiment":"positive","sentiment_score":0.4698059320449829},{"text":"So this is a way that we're able to do that for you.","start":733.08997,"end":735.91,"sentiment":"positive","sentiment_score":0.6289971837630639},{"text":"Do you have any questions around that at the moment at all, Darren?","start":735.97,"end":739.32996,"sentiment":"neutral","sentiment_score":0.22343776661616105},{"text":"You're allowed to let me know if you do.","start":739.32996,"end":741.02997,"sentiment":"neutral","sentiment_score":0.04923022414247195}],"sentiment":"positive","sentiment_score":0.3366924578666079,"channel":0,"num_words":98,"start":717.255,"end":741.02997},{"sentences":[{"text":"No.","start":742.755,"end":742.995,"sentiment":"neutral","sentiment_score":-0.04509985446929931},{"text":"That's that sounds good enough.","start":742.995,"end":745.075,"sentiment":"neutral","sentiment_score":0.15269179344177247},{"text":"That sounds pretty","start":745.075,"end":745.875,"sentiment":"positive","sentiment_score":0.36669565240542096}],"sentiment":"neutral","sentiment_score":0.20204956332842508,"channel":1,"num_words":9,"start":742.755,"end":745.875},{"sentences":[{"text":"Yep.","start":745.57,"end":746.07,"sentiment":"positive","sentiment_score":0.43817681074142456}],"sentiment":"positive","sentiment_score":0.43817681074142456,"channel":0,"num_words":1,"start":745.57,"end":746.07},{"sentences":[{"text":"good.","start":745.875,"end":746.375,"sentiment":"positive","sentiment_score":0.5586223602294922}],"sentiment":"positive","sentiment_score":0.5586223602294922,"channel":1,"num_words":1,"start":745.875,"end":746.375},{"sentences":[{"text":"That's okay.","start":746.52997,"end":747.515,"sentiment":"positive","sentiment_score":0.4122108519077301},{"text":"As you once we're after the call, if you wanna take some time to go back and have a really good read through, we do have a lot more detail in there for you around the strategy, how it works, the advantages, the disadvantages, and the risks involved there as well.","start":748.375,"end":762.57,"sentiment":"neutral","sentiment_score":0.1235626475775943},{"text":"Okay?","start":762.57,"end":763.07,"sentiment":"neutral","sentiment_score":0.0824529379606247}],"sentiment":"neutral","sentiment_score":0.13349203089321102,"channel":0,"num_words":54,"start":746.52997,"end":763.07},{"sentences":[{"text":"Yep.","start":763.11,"end":763.61,"sentiment":"neutral","sentiment_score":0.08659110963344574},{"text":"Yep.","start":763.91,"end":764.325,"sentiment":"neutral","sentiment_score":0.09970035403966904}],"sentiment":"neutral","sentiment_score":0.09314573183655739,"channel":1,"num_words":2,"start":763.11,"end":764.325},{"sentences":[{"text":"So, essentially, the first part of the strategy is to start by opening up that transition retirement pension account.","start":764.81,"end":770.01,"sentiment":"neutral","sentiment_score":0.1271686079470735},{"text":"We'll draw down that 10% for the year.","start":770.01,"end":772.33,"sentiment":"neutral","sentiment_score":0.12613379955291748},{"text":"And once that money hit your bank account, we'll close that account back off and roll those funds back into accumulation for you.","start":772.33,"end":778.545,"sentiment":"neutral","sentiment_score":0.10801645757063576},{"text":"Now 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have gone back yeah.","start":785.165,"end":786.845,"sentiment":"neutral","sentiment_score":0.06317680925130845},{"text":"The other thing that we looked at was about making sure that your portfolio was working for you as well.","start":786.845,"end":791.85004,"sentiment":"neutral","sentiment_score":0.18666300624608995},{"text":"So I had a really good look at the portfolio, the investments that you have within your super, and how that was working moving forward for you as well.","start":791.85004,"end":800.82495,"sentiment":"neutral","sentiment_score":0.2985277242701629},{"text":"So as we kinda went through, you're in more of a balanced growth environment, which generally sees about as 70% of your super invested in growth assets.","start":800.82495,"end":809.485,"sentiment":"neutral","sentiment_score":0.07640533163039773},{"text":"So things like Australian and international shares, listed property, and 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right?","start":836.285,"end":837.185,"sentiment":"neutral","sentiment_score":0.07711133360862732}],"sentiment":"neutral","sentiment_score":0.08331678406550334,"channel":0,"num_words":39,"start":825.33,"end":837.185},{"sentences":[{"text":"Yeah.","start":838.43,"end":838.83,"sentiment":"neutral","sentiment_score":0.07594236731529236},{"text":"Just","start":838.83,"end":839.14996,"sentiment":"neutral","sentiment_score":0.0744452252984047}],"sentiment":"neutral","sentiment_score":0.07519379630684853,"channel":1,"num_words":2,"start":838.43,"end":839.14996},{"sentences":[{"text":"Yep.","start":839.40497,"end":839.90497,"sentiment":"neutral","sentiment_score":0.07484486699104309}],"sentiment":"neutral","sentiment_score":0.07484486699104309,"channel":0,"num_words":1,"start":839.40497,"end":839.90497},{"sentences":[{"text":"yep.","start":839.47,"end":839.97,"sentiment":"neutral","sentiment_score":0.0926992893218994},{"text":"Right 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you and make sure you hold 10%.","start":854.92,"end":858.745,"sentiment":"neutral","sentiment_score":0.23445177192871386}],"sentiment":"neutral","sentiment_score":0.12730353980980538,"channel":0,"num_words":54,"start":841.485,"end":858.745},{"sentences":[{"text":"So it means we're gonna buy a little bit more physical gold into your portfolio.","start":858.745,"end":862.285,"sentiment":"positive","sentiment_score":0.36105063557624817},{"text":"You do also","start":863.305,"end":864.025,"sentiment":"neutral","sentiment_score":0.06938094894091289}],"sentiment":"neutral","sentiment_score":0.3124390211370256,"channel":0,"num_words":18,"start":858.745,"end":864.025},{"sentences":[{"text":"Alright.","start":863.82,"end":864.32,"sentiment":"neutral","sentiment_score":0.04690790921449661}],"sentiment":"neutral","sentiment_score":0.04690790921449661,"channel":1,"num_words":1,"start":863.82,"end":864.32},{"sentences":[{"text":"currently have the Benelong Australian Equities, which is the next 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anything","start":885.535,"end":886.175,"sentiment":"neutral","sentiment_score":-0.14167984575033188}],"sentiment":"neutral","sentiment_score":-0.14167984575033188,"channel":0,"num_words":2,"start":885.535,"end":886.175},{"sentences":[{"text":"Yeah.","start":886.09,"end":886.59,"sentiment":"neutral","sentiment_score":-0.28645792603492737}],"sentiment":"neutral","sentiment_score":-0.28645792603492737,"channel":1,"num_words":1,"start":886.09,"end":886.59},{"sentences":[{"text":"underperforming is should be removed out of your 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the beta shares Aussie Bank hybrid.","start":909.655,"end":912.05505,"sentiment":"neutral","sentiment_score":-0.027700629883578846},{"text":"These are more of a complex investment, but they are being phased out by the government.","start":912.05505,"end":915.815,"sentiment":"neutral","sentiment_score":-0.11653932183980942},{"text":"So I'm gonna sell those down and remove those from your portfolio as well.","start":915.815,"end":919.59503,"sentiment":"neutral","sentiment_score":-0.11371166019567422}],"sentiment":"neutral","sentiment_score":-0.09866207571247139,"channel":0,"num_words":37,"start":909.655,"end":919.59503},{"sentences":[{"text":"Yep.","start":920.14496,"end":920.64496,"sentiment":"neutral","sentiment_score":0.04243340343236923}],"sentiment":"neutral","sentiment_score":0.04243340343236923,"channel":1,"num_words":1,"start":920.14496,"end":920.64496},{"sentences":[{"text":"You've also got the iShares Yield 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Research enhanced equity fund.","start":977.73505,"end":981.895,"sentiment":"neutral","sentiment_score":0.0855718647891825},{"text":"But this is more of an actively managed fund.","start":981.895,"end":984.315,"sentiment":"neutral","sentiment_score":0.1709887815846337},{"text":"It's about utilizing JPMorgan's research team to find where there are areas to be purchased or areas where there might be additional growth.","start":984.61505,"end":992.45,"sentiment":"neutral","sentiment_score":0.17207086086273193},{"text":"Because of your balanced growth environment, we're looking at trying to reduce the risk level as much as possible.","start":992.75,"end":997.755,"sentiment":"neutral","sentiment_score":0.16188750886603406},{"text":"So having more actively managed funds does mean that this investment can underperform in the future.","start":997.835,"end":1003.455,"sentiment":"positive","sentiment_score":0.37533388286828995}],"sentiment":"neutral","sentiment_score":0.19896184796324143,"channel":0,"num_words":78,"start":977.73505,"end":1003.455},{"sentences":[{"text":"So I am looking to reduce your risk level by moving this one out of there for you.","start":1003.675,"end":1007.835,"sentiment":"neutral","sentiment_score":0.05578490760591295},{"text":"We're gonna sell that one down to zero.","start":1007.835,"end":1009.77,"sentiment":"neutral","sentiment_score":0.06713338755071163},{"text":"To make sure you still have more than just the two investments that we've, you know, we're selling everything down, we're then gonna buy into the European market.","start":1010.57,"end":1018.49,"sentiment":"neutral","sentiment_score":0.2222020397228854},{"text":"So you'll hold 7% there.","start":1018.49,"end":1020.59,"sentiment":"neutral","sentiment_score":0.2999298572540283},{"text":"This is giving you exposure to all 16 European countries to giving you diversification.","start":1020.81,"end":1025.31,"sentiment":"positive","sentiment_score":0.3538681353841509}],"sentiment":"neutral","sentiment_score":0.19474870864659138,"channel":0,"num_words":73,"start":1003.675,"end":1025.31},{"sentences":[{"text":"Underneath that, we're gonna hold 3% in the Japanese market.","start":1026.585,"end":1030.125,"sentiment":"neutral","sentiment_score":0.1859910510480404},{"text":"And then to keep diversification, because you're in that balanced growth environment area and you are wanting to access super in the near future, we are looking to try and reduce your risk level as much as possible.","start":1030.505,"end":1041.29,"sentiment":"neutral","sentiment_score":0.24744390147297005},{"text":"And one of the ways we do that is to diversify your portfolio.","start":1041.29,"end":1044.9901,"sentiment":"neutral","sentiment_score":0.24064034796678102},{"text":"So the next one down is the Vanguard All World x US investment.","start":1045.4501,"end":1049.2301,"sentiment":"neutral","sentiment_score":0.12376605375454976},{"text":"This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there.","start":1049.6101,"end":1056.585,"sentiment":"neutral","sentiment_score":0.111102099975814}],"sentiment":"neutral","sentiment_score":0.19129288956983803,"channel":0,"num_words":97,"start":1026.585,"end":1056.585},{"sentences":[{"text":"So we're gonna hold 7% of that and giving you exposure to us into the whole world.","start":1056.885,"end":1061.545,"sentiment":"neutral","sentiment_score":0.18587353562607484},{"text":"As I mentioned before, we get we're removing the ban along Australian Equities in the Raffy a 200 because we found a much cheaper option for you.","start":1063.445,"end":1071.0,"sentiment":"neutral","sentiment_score":0.0822683553452845},{"text":"So we're gonna hold the BetaShares a 200.","start":1071.0,"end":1074.36,"sentiment":"neutral","sentiment_score":0.23203416541218758},{"text":"This is giving you exposures to the top 200 companies on the ASX.","start":1074.36,"end":1078.46,"sentiment":"positive","sentiment_score":0.3560005701505221},{"text":"So it's actually giving you greater diversification, and it's a lower cost way of holding Australian equity exposure.","start":1079.1599,"end":1085.4751,"sentiment":"positive","sentiment_score":0.4229918805261453}],"sentiment":"neutral","sentiment_score":0.2346895215022995,"channel":0,"num_words":83,"start":1056.885,"end":1085.4751},{"sentences":[{"text":"And it how it's actually cheaper for your portfolio as well.","start":1086.255,"end":1088.9751,"sentiment":"positive","sentiment_score":0.5909834206104279},{"text":"One of the things I wanted to look at doing was trying to reduce the fees within your portfolio as much as possible as well.","start":1088.9751,"end":1094.88,"sentiment":"positive","sentiment_score":0.33530457675457},{"text":"Okay?","start":1095.36,"end":1095.86,"sentiment":"neutral","sentiment_score":0.18774187564849856}],"sentiment":"positive","sentiment_score":0.40732902489803935,"channel":0,"num_words":37,"start":1086.255,"end":1095.86},{"sentences":[{"text":"Yep.","start":1095.8701,"end":1096.3701,"sentiment":"neutral","sentiment_score":0.2142984569072723}],"sentiment":"neutral","sentiment_score":0.2142984569072723,"channel":1,"num_words":1,"start":1095.8701,"end":1096.3701},{"sentences":[{"text":"And then because you do still wanna hold defensive investments, they've got the core composite bonds.","start":1096.88,"end":1101.86,"sentiment":"neutral","sentiment_score":0.18232353683561087},{"text":"This essentially is giving you access to bonds, which pay income, which is important.","start":1102.32,"end":1106.66,"sentiment":"neutral","sentiment_score":0.1765649797660964},{"text":"The income is paid from the investment into your cash account within your super, and then it's reinvested back into your portfolio.","start":1107.2,"end":1113.625,"sentiment":"neutral","sentiment_score":0.1732872412963347},{"text":"We wanna hold 24% of this, so we're gonna buy a bit over $39,000 and for you into that investment.","start":1114.005,"end":1120.425,"sentiment":"neutral","sentiment_score":0.20914474055171012},{"text":"This is a lot, and I fully understand that.","start":1121.285,"end":1123.73,"sentiment":"neutral","sentiment_score":0.20935153464476267}],"sentiment":"neutral","sentiment_score":0.1884995584870562,"channel":0,"num_words":81,"start":1096.88,"end":1123.73},{"sentences":[{"text":"Do you have any questions about that so far about those changes that I'm making?","start":1123.73,"end":1127.75,"sentiment":"neutral","sentiment_score":0.03551800263424714}],"sentiment":"neutral","sentiment_score":0.03551800263424714,"channel":0,"num_words":15,"start":1123.73,"end":1127.75},{"sentences":[{"text":"No.","start":1129.46,"end":1129.62,"sentiment":"neutral","sentiment_score":-0.09460335224866868},{"text":"That's yeah.","start":1129.62,"end":1130.4199,"sentiment":"neutral","sentiment_score":-0.07652033865451813},{"text":"That's","start":1130.4199,"end":1130.685,"sentiment":"neutral","sentiment_score":-0.07002733647823334}],"sentiment":"neutral","sentiment_score":-0.07941784150898457,"channel":1,"num_words":4,"start":1129.46,"end":1130.685},{"sentences":[{"text":"No?","start":1130.45,"end":1130.95,"sentiment":"neutral","sentiment_score":-0.07937595993280411}],"sentiment":"neutral","sentiment_score":-0.07937595993280411,"channel":0,"num_words":1,"start":1130.45,"end":1130.95},{"sentences":[{"text":"pretty good.","start":1130.765,"end":1131.5851,"sentiment":"neutral","sentiment_score":0.11752541363239288}],"sentiment":"neutral","sentiment_score":0.11752541363239288,"channel":1,"num_words":2,"start":1130.765,"end":1131.5851},{"sentences":[{"text":"Beautiful.","start":1131.97,"end":1132.47,"sentiment":"positive","sentiment_score":0.40464311838150024},{"text":"Excellent.","start":1133.4099,"end":1133.9099,"sentiment":"positive","sentiment_score":0.4974142014980316},{"text":"Essentially, it's just about making sure that you're in the best performing portfolio and essentially utilize past data and how portfolios","start":1133.97,"end":1140.955,"sentiment":"neutral","sentiment_score":0.2690263120901017}],"sentiment":"neutral","sentiment_score":0.2848526032074638,"channel":0,"num_words":23,"start":1131.97,"end":1140.955},{"sentences":[{"text":"Yep.","start":1141.0851,"end":1141.5851,"sentiment":"neutral","sentiment_score":0.21153640747070312}],"sentiment":"neutral","sentiment_score":0.21153640747070312,"channel":1,"num_words":1,"start":1141.0851,"end":1141.5851},{"sentences":[{"text":"have performed over the past to assess how they can perform in the future.","start":1141.095,"end":1144.635,"sentiment":"neutral","sentiment_score":0.23914198258093425},{"text":"And, essentially, investments that you might have had in your portfolio back three, four, five years ago do need to every now and then be updated and changed to reflect market changes.","start":1145.1749,"end":1154.31,"sentiment":"neutral","sentiment_score":0.12528585433028638},{"text":"So it's important to have these sorts of things updated regularly for you.","start":1154.31,"end":1158.01,"sentiment":"neutral","sentiment_score":0.17081968486309052},{"text":"Okay?","start":1158.15,"end":1158.65,"sentiment":"neutral","sentiment_score":0.08067311346530914}],"sentiment":"neutral","sentiment_score":0.16097440185646217,"channel":0,"num_words":60,"start":1141.095,"end":1158.65},{"sentences":[{"text":"Yes.","start":1158.72,"end":1159.12,"sentiment":"neutral","sentiment_score":0.1144910380244255},{"text":"Yes.","start":1159.12,"end":1159.62,"sentiment":"neutral","sentiment_score":0.16091501712799072}],"sentiment":"neutral","sentiment_score":0.13770302757620811,"channel":1,"num_words":2,"start":1158.72,"end":1159.62},{"sentences":[{"text":"Excellent.","start":1160.31,"end":1160.81,"sentiment":"positive","sentiment_score":0.33346259593963623},{"text":"If you can move down to page number 21, I can show you the main difference.","start":1161.43,"end":1169.4851,"sentiment":"neutral","sentiment_score":0.11897056456655264}],"sentiment":"neutral","sentiment_score":0.13158774288261638,"channel":0,"num_words":17,"start":1160.31,"end":1169.4851},{"sentences":[{"text":"20","start":1169.865,"end":1170.365,"sentiment":"neutral","sentiment_score":0.017049627378582954}],"sentiment":"neutral","sentiment_score":0.017049627378582954,"channel":1,"num_words":1,"start":1169.865,"end":1170.365},{"sentences":[{"text":"Business.","start":1170.265,"end":1170.765,"sentiment":"neutral","sentiment_score":0.018086040392518044}],"sentiment":"neutral","sentiment_score":0.018086040392518044,"channel":0,"num_words":1,"start":1170.265,"end":1170.765},{"sentences":[{"text":"one.","start":1170.425,"end":1170.925,"sentiment":"neutral","sentiment_score":0.025190353393554688}],"sentiment":"neutral","sentiment_score":0.025190353393554688,"channel":1,"num_words":1,"start":1170.425,"end":1170.925},{"sentences":[{"text":"Yeah.","start":1171.305,"end":1171.7051,"sentiment":"neutral","sentiment_score":0.036122240126132965},{"text":"See comparison table there.","start":1171.7051,"end":1173.5651,"sentiment":"neutral","sentiment_score":0.052292635664343834}],"sentiment":"neutral","sentiment_score":0.04905855655670166,"channel":0,"num_words":5,"start":1171.305,"end":1173.5651},{"sentences":[{"text":"Yep.","start":1174.1849,"end":1174.65,"sentiment":"neutral","sentiment_score":0.1864403486251831}],"sentiment":"neutral","sentiment_score":0.1864403486251831,"channel":1,"num_words":1,"start":1174.1849,"end":1174.65},{"sentences":[{"text":"Beautiful.","start":1175.385,"end":1175.885,"sentiment":"positive","sentiment_score":0.3652140498161316},{"text":"So the first column essentially has your Netwealth Super account with your current balance there.","start":1176.185,"end":1180.71,"sentiment":"neutral","sentiment_score":0.1514803111553192},{"text":"And","start":1181.27,"end":1181.59,"sentiment":"neutral","sentiment_score":0.12349989265203476}],"sentiment":"neutral","sentiment_score":0.16240697704693852,"channel":0,"num_words":17,"start":1175.385,"end":1181.59},{"sentences":[{"text":"Yep.","start":1181.37,"end":1181.87,"sentiment":"neutral","sentiment_score":0.10949832201004028}],"sentiment":"neutral","sentiment_score":0.10949832201004028,"channel":1,"num_words":1,"start":1181.37,"end":1181.87},{"sentences":[{"text":"then, obviously, this the recommended shows the balance after you've had that withdrawal out.","start":1181.59,"end":1185.9099,"sentiment":"neutral","sentiment_score":0.10753022826143674},{"text":"So the way I would like to implement this is we start by doing opening up the pension account first, drawing down the 10%, that's 17,000 for you so you can pay down your debt.","start":1185.9099,"end":1195.705,"sentiment":"neutral","sentiment_score":0.17083043328353337},{"text":"Then we roll the funds back into super, and then we do the investment switch for you.","start":1195.765,"end":1200.245,"sentiment":"neutral","sentiment_score":0.15920257305397706},{"text":"Okay?","start":1200.245,"end":1200.745,"sentiment":"neutral","sentiment_score":0.12849630415439606},{"text":"We do estimate that the CDT on the investments, which will be about $883.","start":1202.005,"end":1207.02,"sentiment":"neutral","sentiment_score":0.1062974828694548}],"sentiment":"neutral","sentiment_score":0.1457727551460266,"channel":0,"num_words":81,"start":1181.59,"end":1207.02},{"sentences":[{"text":"So we do know your your super fund, just like you, does a tax return every year.","start":1207.02,"end":1211.2001,"sentiment":"neutral","sentiment_score":0.12711659490185626},{"text":"So whenever there are changes to investments, buyers, sales, income that's produced, your super fund does a tax return, and they pay income tax and CGT tax.","start":1211.26,"end":1219.92,"sentiment":"neutral","sentiment_score":0.041903392101327576},{"text":"So in order to make the switches to withdraw the funds and then also to complete the investment switch, the estimated CGT your super fund will take care of is about $883.70.","start":1220.255,"end":1232.7,"sentiment":"neutral","sentiment_score":0.07624863903038204},{"text":"Does that make sense?","start":1232.7,"end":1233.6799,"sentiment":"neutral","sentiment_score":0.06354695744812489}],"sentiment":"neutral","sentiment_score":0.07483147473540157,"channel":0,"num_words":80,"start":1207.02,"end":1233.6799},{"sentences":[{"text":"Yes.","start":1234.91,"end":1235.41,"sentiment":"neutral","sentiment_score":0.17512354254722595}],"sentiment":"neutral","sentiment_score":0.17512354254722595,"channel":1,"num_words":1,"start":1234.91,"end":1235.41},{"sentences":[{"text":"Yep.","start":1235.9,"end":1236.38,"sentiment":"neutral","sentiment_score":0.33131682872772217},{"text":"Beautiful.","start":1236.38,"end":1236.88,"sentiment":"positive","sentiment_score":0.6171567440032959},{"text":"When we look at the difference in fees, so the by making these changes, we estimate that you'll save about $27 for the year on administration fees.","start":1237.58,"end":1247.44,"sentiment":"positive","sentiment_score":0.40327231420411},{"text":"The newer portfolio saves you $440 for the year in investment fees, and then any other fees applicable to the fund, about $42 there.","start":1247.705,"end":1256.745,"sentiment":"positive","sentiment_score":0.36903360361854237},{"text":"So all in all, you're actually saving money.","start":1256.745,"end":1260.125,"sentiment":"positive","sentiment_score":0.5996806621551514}],"sentiment":"positive","sentiment_score":0.41788652197259374,"channel":0,"num_words":61,"start":1235.9,"end":1260.125},{"sentences":[{"text":"We're saving about if I add it all up for you, you're saving about $509 on fees by making the changes within your super fund.","start":1260.585,"end":1269.87,"sentiment":"positive","sentiment_score":0.5380942714214325},{"text":"Does that make sense?","start":1269.87,"end":1270.9299,"sentiment":"neutral","sentiment_score":0.19622082635760307}],"sentiment":"positive","sentiment_score":0.490939313481594,"channel":0,"num_words":29,"start":1260.585,"end":1270.9299},{"sentences":[{"text":"Yep.","start":1271.385,"end":1271.885,"sentiment":"neutral","sentiment_score":0.1785164475440979}],"sentiment":"neutral","sentiment_score":0.1785164475440979,"channel":1,"num_words":1,"start":1271.385,"end":1271.885},{"sentences":[{"text":"Yep.","start":1272.35,"end":1272.85,"sentiment":"neutral","sentiment_score":0.24335750937461853},{"text":"Beautiful.","start":1272.99,"end":1273.49,"sentiment":"positive","sentiment_score":0.5337297320365906},{"text":"The ongoing service fee for us looking after your super and going to the work we do and providing advice, that remains exactly the same.","start":1274.675,"end":1281.575,"sentiment":"neutral","sentiment_score":0.32569954693317416},{"text":"And then the contributions, I am also making a recommendation that once we've completed this now one thing we talked about was moving forward was the ability for you to maybe salary sacrifice and add more money into super.","start":1282.195,"end":1294.75,"sentiment":"neutral","sentiment_score":0.12339433951255603},{"text":"Once we've completed the changes, you've drawn the money out.","start":1295.37,"end":1297.8501,"sentiment":"neutral","sentiment_score":0.07395513206720353}],"sentiment":"neutral","sentiment_score":0.19041455890003003,"channel":0,"num_words":76,"start":1272.35,"end":1297.8501},{"sentences":[{"text":"We've rolled everything back into super and also made the switches.","start":1297.8501,"end":1301.29,"sentiment":"neutral","sentiment_score":0.14904330332170834},{"text":"In order to make sure your super is working harder and providing us greater benefit down the track to get you as much money in the super as possible.","start":1301.29,"end":1308.5549,"sentiment":"neutral","sentiment_score":0.2711407968710209},{"text":"I'm also making a recommendation that you do start salary sacrificing as well.","start":1308.9349,"end":1313.2749,"sentiment":"neutral","sentiment_score":0.03297874016257433},{"text":"Essentially, when I sort of looked at the projected outcome, it does show that whilst you have some eligibility for Centrelink down the track, your super balance wasn't quite, you know, growing enough to be able to provide sufficient relief with super sorry, with the age pension to be able to last as long as possible.","start":1313.575,"end":1330.9249,"sentiment":"neutral","sentiment_score":-0.027729819395712445},{"text":"So we sort of talked about starting to salary sacrifice, and you were comfortable with around about $50 per fortnight when we spoke.","start":1331.385,"end":1340.285,"sentiment":"neutral","sentiment_score":0.06212185080284658}],"sentiment":"neutral","sentiment_score":0.07429708901679877,"channel":0,"num_words":132,"start":1297.8501,"end":1340.285},{"sentences":[{"text":"I'm actually gonna recommend that you start to salary sacrifice $50 per week into super.","start":1340.665,"end":1345.64,"sentiment":"neutral","sentiment_score":0.1638163668413957},{"text":"It means that you're putting a bit more back into super to replenish what you take out to pay down the debts, but it's also money invested working harder for you.","start":1345.7799,"end":1353.3999,"sentiment":"positive","sentiment_score":0.3444098969621043},{"text":"We sort of need to increase contributions now so that when we get to retire in age of 65 or 67, that you've got a bit more money invested that you're able to then draw down on to assist and give as much last as long as possible in retirement.","start":1353.46,"end":1368.995,"sentiment":"neutral","sentiment_score":0.3078375318646431},{"text":"Does that make sense?","start":1369.0549,"end":1370.115,"sentiment":"neutral","sentiment_score":0.2015254721045494}],"sentiment":"neutral","sentiment_score":0.2933193079009652,"channel":0,"num_words":100,"start":1340.665,"end":1370.115},{"sentences":[{"text":"Yeah.","start":1370.575,"end":1370.895,"sentiment":"neutral","sentiment_score":0.2312498390674591},{"text":"Yes.","start":1370.895,"end":1371.395,"sentiment":"neutral","sentiment_score":0.316195011138916}],"sentiment":"neutral","sentiment_score":0.27372242510318756,"channel":1,"num_words":2,"start":1370.575,"end":1371.395},{"sentences":[{"text":"Yeah.","start":1372.095,"end":1372.575,"sentiment":"positive","sentiment_score":0.3429550528526306},{"text":"So, essentially, once with the recommendations to kinda break it down and make it as easy as possible, we'll start by opening up this transition retirement account for you.","start":1372.575,"end":1380.9901,"sentiment":"positive","sentiment_score":0.38886360258891667},{"text":"We can draw down the funds so you can pay down the debt, then we'll roll everything back into your super accumulation side of things.","start":1380.9901,"end":1387.8251,"sentiment":"positive","sentiment_score":0.3534074056148529},{"text":"We'll do the investment switch to put you into the newer portfolio, which is cheaper and saving you on money and performing better.","start":1387.9651,"end":1394.9451,"sentiment":"positive","sentiment_score":0.45470317291176837},{"text":"And then we'll also recommend that you do start salary sacrificing $50 per week out of your income.","start":1395.165,"end":1401.02,"sentiment":"neutral","sentiment_score":0.2564215080605613}],"sentiment":"positive","sentiment_score":0.37009317489961785,"channel":0,"num_words":96,"start":1372.095,"end":1401.02},{"sentences":[{"text":"So putting a bit more into super, to have more money invested for your retirement.","start":1401.02,"end":1405.38,"sentiment":"positive","sentiment_score":0.4407030502955119},{"text":"Does that make sense?","start":1405.38,"end":1406.5,"sentiment":"neutral","sentiment_score":0.25801660120487213},{"text":"Do you have any questions?","start":1406.5,"end":1407.7201,"sentiment":"neutral","sentiment_score":0.07821211516857147}],"sentiment":"positive","sentiment_score":0.33473636396229267,"channel":0,"num_words":24,"start":1401.02,"end":1407.7201},{"sentences":[{"text":"Yeah.","start":1408.67,"end":1408.91,"sentiment":"neutral","sentiment_score":0.1297450065612793},{"text":"It does.","start":1408.91,"end":1409.49,"sentiment":"neutral","sentiment_score":0.12846814468502998},{"text":"I just","start":1409.87,"end":1410.53,"sentiment":"neutral","sentiment_score":-0.031149763613939285}],"sentiment":"neutral","sentiment_score":0.06487635374069214,"channel":1,"num_words":5,"start":1408.67,"end":1410.53},{"sentences":[{"text":"Yeah.","start":1410.3401,"end":1410.735,"sentiment":"neutral","sentiment_score":-0.04203513264656067}],"sentiment":"neutral","sentiment_score":-0.04203513264656067,"channel":0,"num_words":1,"start":1410.3401,"end":1410.735},{"sentences":[{"text":"how much do I need to to I just don't have sorta, well, put too much, but then I gotta have enough.","start":1413.71,"end":1423.915,"sentiment":"neutral","sentiment_score":-0.1557495275681669},{"text":"So it's just","start":1423.915,"end":1425.035,"sentiment":"neutral","sentiment_score":-0.039745779087146126}],"sentiment":"neutral","sentiment_score":-0.1418290777504444,"channel":1,"num_words":25,"start":1413.71,"end":1425.035},{"sentences":[{"text":"Yeah.","start":1424.895,"end":1425.395,"sentiment":"neutral","sentiment_score":-0.04635348170995712}],"sentiment":"neutral","sentiment_score":-0.04635348170995712,"channel":0,"num_words":1,"start":1424.895,"end":1425.395},{"sentences":[{"text":"a a hard one to really know, but it sounds sounds about 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10.19%.","start":1441.1849,"end":1444.865,"sentiment":"neutral","sentiment_score":-0.07645948976278305}],"sentiment":"neutral","sentiment_score":-0.0033916152913022685,"channel":0,"num_words":37,"start":1430.42,"end":1444.865},{"sentences":[{"text":"So we kind of, over the next five to ten years, can estimate that you should be able to end up in six years' time of 67 with around about 253,000, and around about four years, about 221,000.","start":1444.865,"end":1459.3201,"sentiment":"neutral","sentiment_score":0.12114708498120308},{"text":"In ten years, if you decide to work a little bit longer, you could end up with a bit over 320,000 in super.","start":1459.3201,"end":1465.565,"sentiment":"neutral","sentiment_score":0.11299944247888483},{"text":"So it's about just making sure that we have as much as possible in that super fund working harder for you.","start":1465.7849,"end":1471.245,"sentiment":"neutral","sentiment_score":0.1831997668459302}],"sentiment":"neutral","sentiment_score":0.13475331109834882,"channel":0,"num_words":82,"start":1444.865,"end":1471.245},{"sentences":[{"text":"Yes.","start":1471.72,"end":1471.935,"sentiment":"neutral","sentiment_score":-0.01193758938461542}],"sentiment":"neutral","sentiment_score":-0.01193758938461542,"channel":1,"num_words":1,"start":1471.72,"end":1471.935},{"sentences":[{"text":"You all you do have the option if you decide you no longer wanna take the money out of super to pay down the the car loan.","start":1472.1849,"end":1478.585,"sentiment":"neutral","sentiment_score":0.1058424730543737},{"text":"You could always just decide not to go ahead with that section of the strategy.","start":1478.585,"end":1482.42,"sentiment":"neutral","sentiment_score":-0.025023164103428523},{"text":"It's just that I had to incorporate that because when we spoke last time, that was one of your 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that when you retire, you're able to draw down what you need to live on and supplement","start":1502.5249,"end":1523.4149,"sentiment":"neutral","sentiment_score":0.33199496093121444}],"sentiment":"neutral","sentiment_score":0.33199496093121444,"channel":0,"num_words":66,"start":1502.5249,"end":1523.4149},{"sentences":[{"text":"Yep.","start":1522.99,"end":1523.49,"sentiment":"positive","sentiment_score":0.46324464678764343}],"sentiment":"positive","sentiment_score":0.46324464678764343,"channel":1,"num_words":1,"start":1522.99,"end":1523.49},{"sentences":[{"text":"Centrelink there as well to kinda give you longevity.","start":1523.4149,"end":1526.235,"sentiment":"positive","sentiment_score":0.41199971901045906},{"text":"Does that make sense?","start":1526.5349,"end":1527.4149,"sentiment":"neutral","sentiment_score":0.2504618763923645},{"text":"Do you have any questions?","start":1527.4149,"end":1528.5349,"sentiment":"neutral","sentiment_score":0.05720117464661598},{"text":"You're welcome 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definitely","start":1553.145,"end":1561.785,"sentiment":"neutral","sentiment_score":0.14037469066679478}],"sentiment":"neutral","sentiment_score":0.14037469066679478,"channel":0,"num_words":20,"start":1553.145,"end":1561.785},{"sentences":[{"text":"Yep.","start":1561.625,"end":1562.125,"sentiment":"neutral","sentiment_score":0.12438878417015076}],"sentiment":"neutral","sentiment_score":0.12438878417015076,"channel":1,"num_words":1,"start":1561.625,"end":1562.125},{"sentences":[{"text":"go up between now to when you're eligible for age pension.","start":1561.785,"end":1565.165,"sentiment":"neutral","sentiment_score":0.10394849052483385},{"text":"But as a non homeowner, in order to access a full age pension currently as a couple, you essentially need to have assets under 766,000.","start":1565.9901,"end":1580.3949,"sentiment":"neutral","sentiment_score":0.0635402962565422}],"sentiment":"neutral","sentiment_score":0.07588724450518687,"channel":0,"num_words":36,"start":1561.785,"end":1580.3949},{"sentences":[{"text":"Yep.","start":1580.855,"end":1581.355,"sentiment":"neutral","sentiment_score":0.13073024153709412}],"sentiment":"neutral","sentiment_score":0.13073024153709412,"channel":1,"num_words":1,"start":1580.855,"end":1581.355},{"sentences":[{"text":"So based","start":1581.0149,"end":1581.575,"sentiment":"neutral","sentiment_score":0.1411297246813774}],"sentiment":"neutral","sentiment_score":0.1411297246813774,"channel":0,"num_words":2,"start":1581.0149,"end":1581.575},{"sentences":[{"text":"I","start":1581.4149,"end":1581.9149,"sentiment":"neutral","sentiment_score":0.18965235352516177}],"sentiment":"neutral","sentiment_score":0.18965235352516177,"channel":1,"num_words":1,"start":1581.4149,"end":1581.9149},{"sentences":[{"text":"on everything that I can see, you should be eligible for full age pension based on the current 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be eligible offset.","start":1617.675,"end":1625.6001,"sentiment":"neutral","sentiment_score":0.15180697292089462}],"sentiment":"neutral","sentiment_score":-0.01914657335728407,"channel":0,"num_words":20,"start":1613.355,"end":1625.6001},{"sentences":[{"text":"Because the age pension, when you think about how much you make from that, it still doesn't really cover all of the expenditure and give someone, you know, a good quality of living.","start":1625.6001,"end":1635.595,"sentiment":"neutral","sentiment_score":0.19683678222425055},{"text":"It's meant for a base level of expenditure and does tend to keep people around that poverty line.","start":1635.595,"end":1642.795,"sentiment":"neutral","sentiment_score":0.1488713895281156},{"text":"So we like to try and keep as much inside sleeper as possible so you can get as much age pension as possible, but then also draw some out of sleep with a supplement that to make sure you've got enough income to live on, just travel, to do whatever you 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know.","start":1726.055,"end":1729.59,"sentiment":"neutral","sentiment_score":0.17972443572112493},{"text":"But I'd definitely like you to take some time just to read over the document, you know, read those sections.","start":1729.83,"end":1734.95,"sentiment":"neutral","sentiment_score":0.24248333796858787}],"sentiment":"neutral","sentiment_score":0.22016192801045567,"channel":0,"num_words":89,"start":1708.88,"end":1734.95},{"sentences":[{"text":"Let me know if you have any questions there.","start":1734.95,"end":1736.63,"sentiment":"neutral","sentiment_score":0.27662243445714313},{"text":"And if you're happy to proceed with the advice, we'll get you to sign and return it back to us.","start":1736.63,"end":1741.5299,"sentiment":"neutral","sentiment_score":0.2773712582886219},{"text":"It's also got your ongoing service agreement attached to that.","start":1741.99,"end":1745.1749,"sentiment":"neutral","sentiment_score":0.10358535945415497},{"text":"So we when we did the annual review 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the advice that you do not wish to proceed with, there is a little box that says multiline.","start":1766.22,"end":1774.035,"sentiment":"neutral","sentiment_score":-0.10034707734982172},{"text":"You can just write in there.","start":1774.175,"end":1775.535,"sentiment":"neutral","sentiment_score":-0.039174940437078476},{"text":"So if you didn't wanna, you know, go through with any section of the advice, you just write what you do not wish to proceed with, and we can make sure that that is followed through.","start":1775.535,"end":1784.675,"sentiment":"neutral","sentiment_score":-0.07630492146644327},{"text":"Okay?","start":1784.895,"end":1785.27,"sentiment":"neutral","sentiment_score":-0.019188549369573593}],"sentiment":"neutral","sentiment_score":-0.0761982880633425,"channel":0,"num_words":74,"start":1765.1,"end":1785.27},{"sentences":[{"text":"Uh-huh.","start":1786.09,"end":1786.59,"sentiment":"neutral","sentiment_score":0.009423788636922836}],"sentiment":"neutral","sentiment_score":0.009423788636922836,"channel":1,"num_words":1,"start":1786.09,"end":1786.59},{"sentences":[{"text":"All good.","start":1787.27,"end":1787.91,"sentiment":"neutral","sentiment_score":0.18502603471279144},{"text":"Do you have any questions, Darren?","start":1787.91,"end":1789.59,"sentiment":"neutral","sentiment_score":0.07689353823661804},{"text":"You're welcome to let me know if there's any that have come up.","start":1789.59,"end":1792.15,"sentiment":"neutral","sentiment_score":0.14981962711765215},{"text":"Please let me know if you need me to clarify things further for you.","start":1792.15,"end":1795.61,"sentiment":"neutral","sentiment_score":0.09062190646571773}],"sentiment":"neutral","sentiment_score":0.11565071833985192,"channel":0,"num_words":35,"start":1787.27,"end":1795.61},{"sentences":[{"text":"Yeah.","start":1798.035,"end":1798.535,"sentiment":"neutral","sentiment_score":-0.018405335023999218},{"text":"I think that's I can't think of anything at the 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alright.","start":1804.275,"end":1805.28,"sentiment":"neutral","sentiment_score":-0.009757436191042265}],"sentiment":"neutral","sentiment_score":-0.009757436191042265,"channel":1,"num_words":3,"start":1804.275,"end":1805.28},{"sentences":[{"text":"Yeah.","start":1805.825,"end":1806.145,"sentiment":"neutral","sentiment_score":0.044672682881355286},{"text":"Yeah.","start":1806.145,"end":1806.385,"sentiment":"neutral","sentiment_score":0.0844593495130539},{"text":"That's fine.","start":1806.385,"end":1807.205,"sentiment":"neutral","sentiment_score":0.19961219280958176},{"text":"Take your time.","start":1807.265,"end":1807.905,"sentiment":"neutral","sentiment_score":0.24491013089815775},{"text":"Have a reach of the document there.","start":1807.905,"end":1809.265,"sentiment":"neutral","sentiment_score":0.17109701676028116}],"sentiment":"neutral","sentiment_score":0.1757689948592867,"channel":0,"num_words":14,"start":1805.825,"end":1809.265},{"sentences":[{"text":"My team will definitely follow-up with you to see if you do happen to have any questions.","start":1809.265,"end":1812.645,"sentiment":"neutral","sentiment_score":0.23220081627368927},{"text":"And if you are just happy to take on the advice and follow through, I'll get you to sign and return it back for me.","start":1813.025,"end":1818.31,"sentiment":"neutral","sentiment_score":0.16617314875125885},{"text":"Okay?","start":1818.31,"end":1818.81,"sentiment":"neutral","sentiment_score":0.07731658220291138}],"sentiment":"neutral","sentiment_score":0.1902106785497,"channel":0,"num_words":43,"start":1809.265,"end":1818.81},{"sentences":[{"text":"Uh-huh.","start":1819.52,"end":1820.02,"sentiment":"neutral","sentiment_score":0.08017516136169434}],"sentiment":"neutral","sentiment_score":0.08017516136169434,"channel":1,"num_words":1,"start":1819.52,"end":1820.02},{"sentences":[{"text":"All good.","start":1821.03,"end":1821.77,"sentiment":"neutral","sentiment_score":0.29584598541259766},{"text":"All good.","start":1823.19,"end":1823.75,"sentiment":"positive","sentiment_score":0.37130823731422424},{"text":"Well, thank you so much for taking my call.","start":1823.75,"end":1825.91,"sentiment":"positive","sentiment_score":0.6591812074184418},{"text":"I hope you have a good day.","start":1825.91,"end":1827.19,"sentiment":"positive","sentiment_score":0.6068249770573207},{"text":"Good luck with the rest of the renovations on the caravan.","start":1827.19,"end":1829.85,"sentiment":"positive","sentiment_score":0.4535711868242784}],"sentiment":"positive","sentiment_score":0.5323870066673525,"channel":0,"num_words":31,"start":1821.03,"end":1829.85},{"sentences":[{"text":"Yeah.","start":1830.525,"end":1831.025,"sentiment":"neutral","sentiment_score":0.18565835058689115},{"text":"I'm getting there.","start":1831.5651,"end":1832.785,"sentiment":"neutral","sentiment_score":0.1867967943350474},{"text":"It's","start":1834.3701,"end":1834.8701,"sentiment":"neutral","sentiment_score":0.13609227538108826}],"sentiment":"neutral","sentiment_score":0.17642820179462432,"channel":1,"num_words":5,"start":1830.525,"end":1834.8701},{"sentences":[{"text":"Look.","start":1834.505,"end":1834.745,"sentiment":"neutral","sentiment_score":0.2528306245803833},{"text":"You're very you're doing better than I could.","start":1834.745,"end":1836.905,"sentiment":"positive","sentiment_score":0.6040049865841866},{"text":"You're very handy.","start":1836.905,"end":1837.965,"sentiment":"positive","sentiment_score":0.5440426965554556}],"sentiment":"positive","sentiment_score":0.5597498839100202,"channel":0,"num_words":12,"start":1834.505,"end":1837.965},{"sentences":[{"text":"some things are a challenge, but they","start":1838.93,"end":1841.0901,"sentiment":"neutral","sentiment_score":-0.1417792152081217}],"sentiment":"neutral","sentiment_score":-0.1417792152081217,"channel":1,"num_words":7,"start":1838.93,"end":1841.0901},{"sentences":[{"text":"Yeah.","start":1841.065,"end":1841.565,"sentiment":"neutral","sentiment_score":-0.12098325788974762}],"sentiment":"neutral","sentiment_score":-0.12098325788974762,"channel":0,"num_words":1,"start":1841.065,"end":1841.565},{"sentences":[{"text":"never go quite the way you sort of plan.","start":1841.0901,"end":1844.2101,"sentiment":"neutral","sentiment_score":-0.28869208031230503},{"text":"But,","start":1844.2101,"end":1844.7101,"sentiment":"neutral","sentiment_score":-0.046816520392894745}],"sentiment":"neutral","sentiment_score":-0.264504524320364,"channel":1,"num_words":10,"start":1841.0901,"end":1844.7101},{"sentences":[{"text":"Yeah.","start":1845.3049,"end":1845.8049,"sentiment":"neutral","sentiment_score":-0.017569873481988907}],"sentiment":"neutral","sentiment_score":-0.017569873481988907,"channel":0,"num_words":1,"start":1845.3049,"end":1845.8049},{"sentences":[{"text":"yeah, it's going alright.","start":1845.65,"end":1846.6901,"sentiment":"neutral","sentiment_score":0.13299420196563005},{"text":"Figuring it out.","start":1846.6901,"end":1847.65,"sentiment":"neutral","sentiment_score":0.0345071405172348}],"sentiment":"neutral","sentiment_score":0.09078546134488923,"channel":1,"num_words":7,"start":1845.65,"end":1847.65},{"sentences":[{"text":"No.","start":1847.44,"end":1847.94,"sentiment":"neutral","sentiment_score":-0.17911890149116516}],"sentiment":"neutral","sentiment_score":-0.17911890149116516,"channel":0,"num_words":1,"start":1847.44,"end":1847.94},{"sentences":[{"text":"We're getting there.","start":1847.65,"end":1848.525,"sentiment":"neutral","sentiment_score":0.007611381510893504}],"sentiment":"neutral","sentiment_score":0.007611381510893504,"channel":1,"num_words":3,"start":1847.65,"end":1848.525},{"sentences":[{"text":"Oh, fantastic.","start":1848.48,"end":1850.02,"sentiment":"positive","sentiment_score":0.7282368540763855},{"text":"All good.","start":1850.4,"end":1851.12,"sentiment":"positive","sentiment_score":0.653841644525528},{"text":"Well, I will let you go.","start":1851.12,"end":1852.1599,"sentiment":"positive","sentiment_score":0.49906442562739056},{"text":"Thank you so much for taking my call.","start":1852.1599,"end":1853.84,"sentiment":"positive","sentiment_score":0.8353164345026016},{"text":"You have a good rest of your day, and, again, just let me know if there are any questions in relations and advice document.","start":1853.84,"end":1858.945,"sentiment":"positive","sentiment_score":0.5065142822762331}],"sentiment":"positive","sentiment_score":0.5856528048004422,"channel":0,"num_words":42,"start":1848.48,"end":1858.945},{"sentences":[{"text":"Okay?","start":1859.165,"end":1859.665,"sentiment":"neutral","sentiment_score":0.20285764336586}],"sentiment":"neutral","sentiment_score":0.20285764336586,"channel":0,"num_words":1,"start":1859.165,"end":1859.665},{"sentences":[{"text":"Alright.","start":1859.965,"end":1860.4451,"sentiment":"neutral","sentiment_score":0.2386069893836975},{"text":"Yep.","start":1860.4451,"end":1860.685,"sentiment":"neutral","sentiment_score":0.28381913900375366},{"text":"Thank you very much.","start":1860.685,"end":1861.59,"sentiment":"positive","sentiment_score":0.7754379957914352}],"sentiment":"positive","sentiment_score":0.6040296852588654,"channel":1,"num_words":6,"start":1859.965,"end":1861.59},{"sentences":[{"text":"Thank you, Darren.","start":1861.965,"end":1862.765,"sentiment":"positive","sentiment_score":0.6994461814562479},{"text":"I'll talk to you soon.","start":1862.765,"end":1863.725,"sentiment":"positive","sentiment_score":0.5607172250747681},{"text":"You have a good afternoon.","start":1863.725,"end":1864.865,"sentiment":"positive","sentiment_score":0.6580775618553162}],"sentiment":"positive","sentiment_score":0.6301778830014743,"channel":0,"num_words":13,"start":1861.965,"end":1864.865},{"sentences":[{"text":"Yeah.","start":1865.19,"end":1865.4299,"sentiment":"positive","sentiment_score":0.3589332401752472},{"text":"You too.","start":1865.4299,"end":1865.9099,"sentiment":"positive","sentiment_score":0.35484546422958374},{"text":"Thank you.","start":1865.9099,"end":1866.57,"sentiment":"positive","sentiment_score":0.6215042471885681}],"sentiment":"positive","sentiment_score":0.46232653260231016,"channel":1,"num_words":5,"start":1865.19,"end":1866.57},{"sentences":[{"text":"Thanks.","start":1866.845,"end":1867.245,"sentiment":"positive","sentiment_score":0.6261131167411804},{"text":"See you later.","start":1867.245,"end":1867.965,"sentiment":"positive","sentiment_score":0.5107576151688894},{"text":"Bye.","start":1867.965,"end":1868.465,"sentiment":"neutral","sentiment_score":0.252248615026474}],"sentiment":"positive","sentiment_score":0.4821269154548645,"channel":0,"num_words":5,"start":1866.845,"end":1868.465},{"sentences":[{"text":"Bye.","start":1868.71,"end":1869.21,"sentiment":"neutral","sentiment_score":-0.10899081081151962}],"sentiment":"neutral","sentiment_score":-0.10899081081151962,"channel":1,"num_words":1,"start":1868.71,"end":1869.21}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial discuss retirement plans and retirement goals with customers. They offer advice on navigating documents and retirement plans, as well as retirement goals and retirement age. The agents also provide guidance on reducing debt and reducing risk levels through retirement plans and retirement goals. They recommend starting salary sacrificing and increasing contributions to retirement savings, as well as working harder for retirement. The agents stress the importance of maintaining a balanced growth environment and offer advice on investment portfolios and retirement savings."},"intents":{"segments":[{"text":"I had just looking to go through your updated statement of advice. Is now still a good time there for you?","start_word":27,"end_word":47,"intents":[{"intent":"Review statement of advice","confidence_score":0.57293826}]},{"text":"Before I jump into the call, Darren, I just have to let you know we do record our calls for quality training purposes. Are you happy for me to proceed with that? Yep.","start_word":268,"end_word":300,"intents":[{"intent":"Confirm call recording","confidence_score":0.00050877157},{"intent":"Make call","confidence_score":0.0022948808}]},{"text":"If you are able to access your emails, if you wanna try and pull that one up, that would be fabulous, and I can just direct you through the the pages that I need you to make it easier on you.","start_word":312,"end_word":352,"intents":[{"intent":"Access emails","confidence_score":0.66368264}]},{"text":"If you are able to access your emails, if you wanna try and pull that one up, that would be fabulous, and I can just direct you through the the pages that I need you to make it easier on you. And just while that is coming through there, just to kind of also do a quick security check there for you just to get you to confirm your full name, your date of birth, and address I should have on Yep.","start_word":312,"end_word":393,"intents":[{"intent":"Provide information","confidence_score":0.03337066}]},{"text":"And just while that is coming through there, just to kind of also do a quick security check there for you just to get you to confirm your full name, your date of birth, and address I should have on Yep. Darren 50 Casa.","start_word":352,"end_word":395,"intents":[{"intent":"Confirm information","confidence_score":0.37174702},{"intent":"Confirm security check","confidence_score":0.0005794565}]},{"text":"Darren 50 Casa. file.","start_word":393,"end_word":396,"intents":[{"intent":"Provide company information","confidence_score":0.00006270358}]},{"text":"Number 2, Allen Street, Surrey. Yeah. Beautiful.","start_word":412,"end_word":418,"intents":[{"intent":"Share location","confidence_score":0.0003876735},{"intent":"Confirm location","confidence_score":0.0061762813}]},{"text":"You said you're renovating at the moment. What sort of renovating are you doing?","start_word":479,"end_word":492,"intents":[{"intent":"Discuss renovation plans","confidence_score":0.006708251}]},{"text":"And how long do you think it should take you to have the renovation completed on that one?","start_word":547,"end_word":564,"intents":[{"intent":"Confirm completion time","confidence_score":0.1514426},{"intent":"Confirm completion of renovation","confidence_score":0.004167939}]},{"text":"So when we did your annual review, you wanted me to have a look at the the advice and have a look at your super just to kind of see, you know, how we were tracking, what we're looking forward to. Your goal then was to be able to retire around about age 65 to 67. Is that still kind of your goal over time and age at this point Yeah.","start_word":861,"end_word":931,"intents":[{"intent":"Inform on document preparation and objectives","confidence_score":4.5830053e-8}]},{"text":"We also scoped in the estate planning side of things as well. So we wanted to make sure that your beneficiaries are up to date and that you do have a will and power of attorney in place to reflect your wishes in the event that something was to happen.","start_word":937,"end_word":986,"intents":[{"intent":"Discuss estate planning and estate planning","confidence_score":0.016086118},{"intent":"Confirm beneficiaries and wills and power of attorney coverage","confidence_score":0.0005109738}]},{"text":"We've also, on the next page, just got a limited scope into the adviser.","start_word":987,"end_word":1000,"intents":[{"intent":"Provide information about limited scope","confidence_score":0.031747323}]},{"text":"So we were looking at down the track what we're sort of tracking towards by age five 65 to 67 when you choose to retire and what sort of age pension eligibility you might be able to obtain at that time. Okay?","start_word":1002,"end_word":1043,"intents":[{"intent":"Determine retirement eligibility and retirement goals","confidence_score":0.0007006702}]},{"text":"So you guys wanted to take a holiday to Malta to see your dad.","start_word":1066,"end_word":1079,"intents":[{"intent":"Take a trip to malta","confidence_score":0.00027833434}]},{"text":"You also wanted to look at possibly buying a house advice in that area at the moment. You also wanted to look at possibly buying a house in the future. We're scoping that out for the time being. It does honestly look like one of the things we talked about was the possibility of using some of your stupid down the track to be able to purchase a home.","start_word":1090,"end_word":1158,"intents":[{"intent":"Look at purchasing a home","confidence_score":0.051017173}]},{"text":"may have to look at other other areas or other ways to purchase a home down the track, but we can definitely help them provide advice around that for you. Okay? Yeah.","start_word":1194,"end_word":1225,"intents":[{"intent":"Seek advice and advice","confidence_score":0.00020064198},{"intent":"Provide advice","confidence_score":0.022177428}]},{"text":"I'm I am running out of time and Yeah. and not enough money.","start_word":1232,"end_word":1244,"intents":[{"intent":"Determine financial need","confidence_score":0.02042389}]},{"text":"One of the other things that you wanted to do was to pay off your debts. So you had a loan on your MUX, and you were hoping to be able to draw some money out of super to help pay down that debt.","start_word":1315,"end_word":1358,"intents":[{"intent":"Help with debt settlement","confidence_score":0.00035084962}]},{"text":"it would be Nice to reduce it or get rid of it? yeah. Yeah.","start_word":1410,"end_word":1423,"intents":[{"intent":"Reduce debt","confidence_score":0.6628257}]},{"text":"Well, I did look at a way to utilize your super to help to reduce the debt as much as possible.","start_word":1457,"end_word":1477,"intents":[{"intent":"Use super","confidence_score":0.04509827}]},{"text":"We'll just really making the standard payment, so not not Yeah.","start_word":1556,"end_word":1566,"intents":[{"intent":"Make payments","confidence_score":0.0050121318}]},{"text":"So the way I've been able able to kind of help you to pay down some of that car loan is that we can start by opening up a TTR pension account just for this financial year.","start_word":1651,"end_word":1687,"intents":[{"intent":"Open pension account","confidence_score":0.18580592}]},{"text":"And we're gonna draw that down for you so you can put that on the loan. That would reduce your loan by approximately 17,450 and 16<unk>.","start_word":1765,"end_word":1790,"intents":[{"intent":"Obtain loan amount","confidence_score":0.003159348}]},{"text":"under the rules of that TTR account, we're able to at least access that 17,000 for you.","start_word":1819,"end_word":1835,"intents":[{"intent":"Access funds with pension account","confidence_score":0.000020455425},{"intent":"Access funds","confidence_score":0.5543026},{"intent":"Access funds","confidence_score":0.55123234},{"intent":"Access money","confidence_score":0.050204735}]},{"text":"went back to looking at this strategy because one of the things we talked about last you know, when we spoke last time was that you really wanted to try and reduce that debt as much as possible.","start_word":2052,"end_word":2089,"intents":[{"intent":"Convey interest in strategy","confidence_score":0.000012389892}]},{"text":"Do you have any questions around that at the moment at all, Darren?","start_word":2128,"end_word":2140,"intents":[{"intent":"Answer questions","confidence_score":0.0037516733}]},{"text":"As you once we're after the call, if you wanna take some time to go back and have a really good read through, we do have a lot more detail in there for you around the strategy, how it works, the advantages, the disadvantages, and the risks involved there as well. Okay?","start_word":2163,"end_word":2214,"intents":[{"intent":"Inform about strategy","confidence_score":0.004321199},{"intent":"Provide strategy details","confidence_score":0.27902076},{"intent":"Provide detailed strategy details","confidence_score":0.00032010756}]},{"text":"I had a bit of a look at how you your portfolio was structured, making sure to keep you in that balanced growth environment there. And this Yep.","start_word":2397,"end_word":2424,"intents":[{"intent":"Review portfolio structure","confidence_score":0.0008787603}]},{"text":"We wanna kinda rebalance it for you and make sure you hold 10%.","start_word":2513,"end_word":2525,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.7336493}]},{"text":"We wanna kinda rebalance it for you and make sure you hold 10%. So it means we're gonna buy a little bit more physical gold into your portfolio.","start_word":2513,"end_word":2540,"intents":[{"intent":"Restructure portfolio","confidence_score":0.028022114}]},{"text":"currently have the Benelong Australian Equities, which is the next investment noted down. That investment has been underperforming from your portfolio. So I've made the decision to remove that out. We're gonna sell that one down completely and move it. As much as we are, you know, looking to access some funds, we also as moving forward, wanna sure your soup is working as hard as possible. So anything Yeah.","start_word":2544,"end_word":2613,"intents":[{"intent":"Understand liquidity","confidence_score":0.000002644689}]},{"text":"That investment has been underperforming from your portfolio. So I've made the decision to remove that out.","start_word":2557,"end_word":2573,"intents":[{"intent":"Remove underperforming investment","confidence_score":0.7429725}]},{"text":"We're gonna sell that one down completely and move it.","start_word":2574,"end_word":2583,"intents":[{"intent":"Sell portfolio","confidence_score":0.6426811}]},{"text":"As much as we are, you know, looking to access some funds, we also as moving forward, wanna sure your soup is working as hard as possible.","start_word":2584,"end_word":2610,"intents":[{"intent":"Access funds","confidence_score":0.0116602145},{"intent":"Access funds","confidence_score":0.5474885},{"intent":"Access funds","confidence_score":0.59204537}]},{"text":"Your cybersecurity is we wanna keep some of that. You hold about 5.37 at the moment. We only wanna hold 4%, so we're gonna sell some of it and just retain the cybersecurity moving forward.","start_word":2751,"end_word":2785,"intents":[{"intent":"Remain cybersecurity","confidence_score":0.02314653}]},{"text":"Within your portfolio, we wanna hold about 25%. You only hold about 20% at the moment, so we need to buy some more of that to bring you back to where you should be. And then Are the you?","start_word":2867,"end_word":2905,"intents":[{"intent":"Purchasing jpmorgan fund","confidence_score":0.0011472001}]},{"text":"Because of your balanced growth environment, we're looking at trying to reduce the risk level as much as possible.","start_word":2948,"end_word":2966,"intents":[{"intent":"Reducing risk level","confidence_score":0.13557822}]},{"text":"We're gonna sell that one down to zero.","start_word":3001,"end_word":3008,"intents":[{"intent":"Selling portfolio","confidence_score":0.28038603}]},{"text":"So the next one down is the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. So we're gonna hold 7% of that and giving you exposure to us into the whole world.","start_word":3117,"end_word":3169,"intents":[{"intent":"Providing exposure","confidence_score":0.012484953}]},{"text":"One of the things I wanted to look at doing was trying to reduce the fees within your portfolio as much as possible as well. Okay?","start_word":3247,"end_word":3272,"intents":[{"intent":"Reduce fees","confidence_score":0.56361073}]},{"text":"And then because you do still wanna hold defensive investments, they've got the core composite bonds. This essentially is giving you access to bonds, which pay income, which is important. The income is paid from the investment into your cash account within your super, and then it's reinvested back into your portfolio. We wanna hold 24% of this, so we're gonna buy a bit over $39,000 and for you into that investment.","start_word":3274,"end_word":3345,"intents":[{"intent":"Hold portfolio","confidence_score":0.50545764}]},{"text":"Essentially, it's just about making sure that you're in the best performing portfolio and essentially utilize past data and how portfolios Yep. have performed over the past to assess how they can perform in the future.","start_word":3379,"end_word":3414,"intents":[{"intent":"Assess performance","confidence_score":0.038188852}]},{"text":"And, essentially, investments that you might have had in your portfolio back three, four, five years ago do need to every now and then be updated and changed to reflect market changes. So it's important to have these sorts of things updated regularly for you. Okay?","start_word":3415,"end_word":3460,"intents":[{"intent":"Update investments","confidence_score":0.3733692}]},{"text":"So the way I would like to implement this is we start by doing opening up the pension account first, drawing down the 10%, that's 17,000 for you so you can pay down your debt. Then we roll the funds back into super, and then we do the investment switch for you. Okay?","start_word":3521,"end_word":3573,"intents":[{"intent":"Implement","confidence_score":0.0018367472}]},{"text":"So whenever there are changes to investments, buyers, sales, income that's produced, your super fund does a tax return, and they pay income tax and CGT tax. So in order to make the switches to withdraw the funds and then also to complete the investment switch, the estimated CGT your super fund will take care of is about $883.70. Does that make sense?","start_word":3606,"end_word":3668,"intents":[{"intent":"Plan super fund activities","confidence_score":0.0009603439}]},{"text":"It means that you're putting a bit more back into super to replenish what you take out to pay down the debts, but it's also money invested working harder for you.","start_word":3984,"end_word":4014,"intents":[{"intent":"Restock funds","confidence_score":0.031108484}]},{"text":"We sort of need to increase contributions now so that when we get to retire in age of 65 or 67, that you've got a bit more money invested that you're able to then draw down on to assist and give as much last as long as possible in retirement. Does that make sense?","start_word":4014,"end_word":4067,"intents":[{"intent":"Plan retirement","confidence_score":0.020186573},{"intent":"Consider retirement retirement plan","confidence_score":0.0017993074},{"intent":"Explain retirement plan","confidence_score":0.032077968},{"intent":"Suggest retirement plan","confidence_score":0.00039076668},{"intent":"Review retirement financial recommendations","confidence_score":2.6943857e-7},{"intent":"Confirm retirement plan","confidence_score":0.009102645}]},{"text":"We sort of need to increase contributions now so that when we get to retire in age of 65 or 67, that you've got a bit more money invested that you're able to then draw down on to assist and give as much last as long as possible in retirement. Does that make sense? Yeah.","start_word":4014,"end_word":4068,"intents":[{"intent":"Discuss retirement timeline","confidence_score":0.004625518},{"intent":"Inquire about retirement age","confidence_score":0.0010988181}]},{"text":"We'll do the investment switch to put you into the newer portfolio, which is cheaper and saving you on money and performing better.","start_word":4125,"end_word":4147,"intents":[{"intent":"Recommend investment switch","confidence_score":0.062863946}]},{"text":"how much do I need to to I just don't have sorta, well, put too much, but then I gotta have enough. So it's just Yeah.","start_word":4196,"end_word":4221,"intents":[{"intent":"Identify needs","confidence_score":0.0028491314}]},{"text":"So it's about just making sure that we have as much as possible in that super fund working harder for you. Yes.","start_word":4333,"end_word":4354,"intents":[{"intent":"Build super fund","confidence_score":0.024136772}]},{"text":"You all you do have the option if you decide you no longer wanna take the money out of super to pay down the the car loan. You could always just decide not to go ahead with that section of the strategy.","start_word":4356,"end_word":4397,"intents":[{"intent":"Plan plan","confidence_score":0.00024024036}]},{"text":"to keep your money lasting as long as possible. That's kind of where I'm aiming at, but also helping to make sure we can get those debts paid down as quickly as possible for you as well, if that makes Yeah.","start_word":4985,"end_word":5025,"intents":[{"intent":"Ensure money care","confidence_score":1.368242e-7}]},{"text":"If you wanted to take some time today to read through the strategy, all the strategies outline what I'm recommending, how and why, how it relates back to your goals and your best interest duty.","start_word":5050,"end_word":5084,"intents":[{"intent":"Clarify strategy and benefits","confidence_score":0.0008641312}]},{"text":"If you find you have any questions, please come back and let me know.","start_word":5095,"end_word":5108,"intents":[{"intent":"Address concerns","confidence_score":0.022454655}]},{"text":"On the very last page, if you find there's any section of the advice that you do not wish to proceed with, there is a little box that says multiline. You can just write in there. So if you didn't wanna, you know, go through with any section of the advice, you just write what you do not wish to proceed with, and we can make sure that that is followed through. Okay? Uh-huh.","start_word":5228,"end_word":5301,"intents":[{"intent":"Guides and advices","confidence_score":7.90344e-8}]}]},"sentiments":{"segments":[{"text":"Hi, Darren. It's Dana from OQ Financial. How are you this morning? Hello?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.22370587289333344},{"text":"Oh, good. Thanks. How are you? I'm very well. Thank you. Thanks for asking. I had just looking to go through your updated statement of advice.","start_word":13,"end_word":38,"sentiment":"positive","sentiment_score":0.5253791809082031},{"text":"Is now still a good time there for you? Yeah. Yeah? Oh, good. I'm just I normally send through the document via email for you to review as well. Do you have access to your email, sir, at the moment? Oh, yeah. Yeah. No. That's okay.","start_word":39,"end_word":84,"sentiment":"neutral","sentiment_score":0.11059647798538208},{"text":"It sounds like it might have caught you at a bad time.","start_word":85,"end_word":96,"sentiment":"negative","sentiment_score":-0.36711040139198303},{"text":"Is Oh, there a is a better time for us to go through things? I'm so sorry. that's alright. No. Just just a few things to do. Renovating. Oh, Renovating. That's okay. all. But Oh, you you do have a lot happening. That's yeah. Just okay. a bit. Yeah. Yeah. It is just normally easier if we kinda go through this together. Otherwise, is there a more suitable time that I can give you a call just to run through the updated advice? I'm happy to even try later this afternoon if you prefer. What would suit you? Same same a bit of the same situation, Do the but same thing? Yeah. That's okay. I can make it as quick as possible, sort of run through things in, you know, the quickest time possible to make it easier on you if now is gonna be okay just to to go through it yeah. if you've Yeah. got the Alright. spare ten, Yeah. That's fifteen minutes. Yeah? yeah.","start_word":97,"end_word":263,"sentiment":"neutral","sentiment_score":0.07628879696130753},{"text":"Beautiful. Oh, good.","start_word":264,"end_word":266,"sentiment":"positive","sentiment_score":0.40514636039733887},{"text":"Look. Before I jump into the call, Darren, I just have to let you know we do record our calls for quality training purposes. Are you happy for me to proceed with that? Yep.","start_word":267,"end_word":300,"sentiment":"neutral","sentiment_score":0.14092184603214264},{"text":"Fantastic. And I've just emailed through the document to you. If you are able to access your emails, if you wanna try and pull that one up, that would be fabulous, and I can just direct you through the the pages that I need you to make it easier on you.","start_word":301,"end_word":351,"sentiment":"positive","sentiment_score":0.38644004569334145},{"text":"And just while that is coming through there, just to kind of also do a quick security check there for you just to get you to confirm your full name, your date of birth, and address I should have on Yep. Darren 50 Casa. file. Yep. 121065. Yep. And, sorry, your address as well. I do apologize. Yep. That's right. Number 2, Allen Street, Surrey. Yeah.","start_word":352,"end_word":417,"sentiment":"neutral","sentiment_score":0.05398520454764366},{"text":"Beautiful. Fantastic. Thank you so much for that.","start_word":418,"end_word":425,"sentiment":"positive","sentiment_score":0.5902498960494995},{"text":"So are you able jump into your emails there and pull that document up? Or Yep. Yep. I'll just have a look Yep. in. That's okay. It might take a second to come through. Sometimes these do take a moment. Sorry. But I love technology when it wants to work for Yeah. us. You said you're renovating at the moment. What sort of renovating are you doing? Just a a Caribbean, actually. Wow. You're renovating a caravan? Yeah. Yeah.","start_word":426,"end_word":504,"sentiment":"neutral","sentiment_score":0.033407989889383316},{"text":"That is truly incredible, honestly. You're a lot of fun.","start_word":505,"end_word":514,"sentiment":"positive","sentiment_score":0.3932386636734009},{"text":"Yeah. Yeah. Is this for you to go away in? Or Yeah. Yeah. Just for yeah. We are going away. Just a quick getaway. And Oh, fantastic. yeah. Oh, that's honestly fantastic. And how long do you think it should take you to have the renovation completed on that one? Yeah. It should be done this week. Oh, fantastic. Wow. Have you taken a bit Yeah. of time off to complete the renovation? Are you still working in between that? Just working in between. I do Yeah. well, I only do sort of casual weekends, really, so I've Yeah. just got home. Just got home after work in the weekend and few days off and get a bit Oh, done and yeah. then go back to it again and going Yeah. away next week. So Wow. yes. Email here now. Just got it open.","start_word":515,"end_word":658,"sentiment":"neutral","sentiment_score":0.046537790447473526},{"text":"Beautiful. Excellent.","start_word":659,"end_word":660,"sentiment":"positive","sentiment_score":0.4603358209133148},{"text":"So if you press on the sign here button, it'll take you through so you can see the document there and scroll up and down through it. On the front of the document when you are looking at it, we'll just say statement of advice prepared for Darren Casa as of the 07/30/2026. This is when we prepared the document for you. And on the bottom, it has my license information. So I'm a registered financial adviser with Assic, and my license number is 1304394. So just click on Yep. It'll take you through. And once you move to the next section, you'll see the document. You should be able to scroll up and down through it. document. Yeah. Yep. When it lets you move up and down to the pages there, if you can move down to page number three for me, you'll have the heading scope of advice considered. Hang on. Just It's okay. do more You'll do more fine.","start_word":661,"end_word":822,"sentiment":"neutral","sentiment_score":0.0983799323439598},{"text":"can be a little bit difficult on the phone.","start_word":823,"end_word":831,"sentiment":"negative","sentiment_score":-0.3898313045501709},{"text":"Understandable. Grab my glasses too. Yeah. You're fine. Okay. Now what page was that again? Page number three. The heading should say scope of advice considered. Yep. Yep.","start_word":832,"end_word":859,"sentiment":"neutral","sentiment_score":0.022639643400907516},{"text":"Beautiful. So when we did your annual review, you wanted me to have a look at the the advice and have a look at your super just to kind of see, you know, how we were tracking, what we're looking forward to. Your goal then was to be able to retire around about age 65 to 67.","start_word":860,"end_word":916,"sentiment":"positive","sentiment_score":0.4663274586200714},{"text":"Is that still kind of your goal over time and age at this point Yeah. Yep. in time?","start_word":917,"end_word":934,"sentiment":"neutral","sentiment_score":0.27635493874549866},{"text":"Yep. Beautiful. We also scoped in the estate planning side of things as well. So we wanted to make sure that your beneficiaries are up to date and that you do have a will and power of attorney in place to reflect your wishes in the event that something was to happen.","start_word":935,"end_word":986,"sentiment":"positive","sentiment_score":0.4110916554927826},{"text":"We've also, on the next page, just got a limited scope into the adviser. So we were looking at down the track what we're sort of tracking towards by age five 65 to 67 when you choose to retire and what sort of age pension eligibility you might be able to obtain at that time. Okay? Areas that we have scoped out is on page number five. So not looking at any cash on budgeting areas at the moment. So you guys wanted to take a holiday to Malta to see your dad. We're not providing advice in that area at the moment. You also wanted to look at possibly buying a house advice in that area at the moment. You also wanted to look at possibly buying a house in the future. We're scoping that out for the time being. It does honestly look like one of the things we talked about was the possibility of using some of your stupid down the track to be able to purchase a home. When I kind of run the projections for it, it really it honestly doesn't look like you're going to have enough to be able to do that as well as fund retirement. So we Yeah. may have to look at other other areas or other ways to purchase a home down the track, but we can definitely help them provide advice around that for you. Okay? Yeah. That's what I sort of thought.","start_word":987,"end_word":1231,"sentiment":"neutral","sentiment_score":-0.013343806032623563},{"text":"I'm I am running out of time and Yeah. and not enough money.","start_word":1232,"end_word":1244,"sentiment":"negative","sentiment_score":-0.5093363523483276},{"text":"No. So a bit of Under yeah. a problem. Understand. Understandable. The other thing we looked at was your because you're over the age of 60 now, you also wanted me to look at whether a transition to retirement strategy would be able to assist you in any way. So I have had a really good look at the research and tried to work out best way to do it. One of the other things that you wanted to do was to pay off your debts. So you had a loan on your MUX, and you were hoping to be able to draw some money out of super to help pay down that debt. Do those goals still sound reflective? Does that kind of ring a bell Yeah. to Well, that our yeah. last That was one option conversation, Darren? Yeah. to just to get rid of it and sort it out. It's all, but it's not a huge debt, I guess, but it Yeah. it would be Nice to reduce it or get rid of it? yeah. Yeah. Well, still, I've Yeah. got a bit a little bit of money in in bank as well. We nearly do it that way, but, Yeah. yeah, whatever's the best way, really. No. Absolutely.","start_word":1245,"end_word":1456,"sentiment":"neutral","sentiment_score":0.07170579919837555},{"text":"Well, I did look at a way to utilize your super to help to reduce the debt as much as possible.","start_word":1457,"end_word":1477,"sentiment":"positive","sentiment_score":0.35127735137939453},{"text":"Unfortunately, the research came back where we're not able to completely reduce it down to zero, but we are able to utilize a strategy to be able to take some of the funds out for you to help reduce it back. So at the time that we last spoke, the debt you had owing on the vehicle was around about 45,000. Have you been able to reduce that a little bit in the last few months at all? We'll just really making the standard payment, so not not Yeah. making extra, Not much. but Yeah.","start_word":1478,"end_word":1572,"sentiment":"neutral","sentiment_score":0.03299040347337723},{"text":"That's wouldn't okay.","start_word":1573,"end_word":1575,"sentiment":"negative","sentiment_score":-0.42885372042655945},{"text":"be much. No. No. That's okay. Well, if you sort of move down to page number 12, this is the start of the recommendations there for you. So, essentially, I did go back and look at that transition retirement strategy option. Unfortunately, with your occupation, because you are casual and your income does fluctuate very heavily, the TTR strategy where we increase contributions in and draw some out on a regular basis wasn't really working. So the way I've been able able to kind of help you to pay down some of that car loan is that we can start by opening up a TTR pension account just for this financial year. Essentially, this is just called a snap and grab. So what we do is we open up that pension account. We move all but about 10,000 over into that 10 CTR pension account. And under the rules of a transition retirement, you're allowed to draw at up to 10% of the funds. So we move some funds over, and we estimate you should be able to take about 17,450 and 16<unk> out for this financial year. And we're gonna draw that down for you so you can put that on the loan. That would reduce your loan by approximately 17,450 and 16<unk>.","start_word":1576,"end_word":1791,"sentiment":"neutral","sentiment_score":0.08058597637271439},{"text":"Unfortunately, with the balance that you have, we're not able to fully draw out the full amount to cover the loan and draw it down to zero.","start_word":1791,"end_word":1818,"sentiment":"negative","sentiment_score":-0.4913499057292938},{"text":"But Yes. under the rules of that TTR account, we're able to at least access that 17,000 for you. So the way this essentially works is that because you are still working, we still keep your super your accumulation account in place. We leave about 10,000 plus the tax liability aside, and then the rest of the funds get rolled into a separate super. It's called a pension account, and it's a TTR pension account or transition to retirement pension account. From there, we're able to draw that 17,450 and 16<unk> as a lump sum down that is drawn to your bank account. And then once we draw that money down, because we've accessed the full 10% of those funds available for this financial year, you won't be able to take any more money out of that account.","start_word":1818,"end_word":1957,"sentiment":"neutral","sentiment_score":0.2477380335330963},{"text":"We'll then roll those funds back into your super account. So you'll then only have one account, but it means you're able to access that money to help pay down your debt.","start_word":1957,"end_word":1989,"sentiment":"positive","sentiment_score":0.3614570498466492},{"text":"Does that make sense? Oh, yeah. Yeah. Yeah. But we did look at doing that, the t the TTR strategy probably with increasing contributions in and being able Yep. to draw out on a regular basis.","start_word":1989,"end_word":2025,"sentiment":"neutral","sentiment_score":0.09356130659580232},{"text":"But, unfortunately, because your income does fluctuate quite heavily with you being casual, it just wasn't working properly. It wasn't providing any great benefit to you.","start_word":2025,"end_word":2051,"sentiment":"negative","sentiment_score":-0.4040899872779846},{"text":"So I Yes. went back to looking at this strategy because one of the things we talked about last you know, when we spoke last time was that you really wanted to try and reduce that debt as much as possible.","start_word":2051,"end_word":2092,"sentiment":"neutral","sentiment_score":0.2295902967453003},{"text":"So trying to access some of that money to do that was one of your goals that you'd mentioned you wanted me to look at. So this is a way that we're able to do that for you.","start_word":2092,"end_word":2130,"sentiment":"positive","sentiment_score":0.5317571759223938},{"text":"Do you have any questions around that at the moment at all, Darren? You're allowed to let me know if you do. No. That's that sounds good enough.","start_word":2130,"end_word":2155,"sentiment":"neutral","sentiment_score":0.1668275700738797},{"text":"That sounds pretty Yep. good. That's okay.","start_word":2156,"end_word":2162,"sentiment":"positive","sentiment_score":0.4344179630279541},{"text":"As you once we're after the call, if you wanna take some time to go back and have a really good read through, we do have a lot more detail in there for you around the strategy, how it works, the advantages, the disadvantages, and the risks involved there as well. Okay? Yep. Yep. So, essentially, the first part of the strategy is to start by opening up that transition retirement pension account. We'll draw down that 10% for the year. And once that money hit your bank account, we'll close that account back off and roll those funds back into accumulation for you. Now if How I are can get you? you to go down to page number 18 for me, once those H. funds have gone back yeah. The other thing that we looked at was about making sure that your portfolio was working for you as well. So I had a really good look at the portfolio, the investments that you have within your super, and how that was working moving forward for you as well. So as we kinda went through, you're in more of a balanced growth environment, which generally sees about as 70% of your super invested in growth assets. So things like Australian and international shares, listed property, and commodities. Those are those ones that go up and down quite heavily and can make us quite nervous. I had a bit of a look at how you your portfolio was structured, making sure to keep you in that balanced growth environment there. And this Yep. page outlines what with any changes that we're gonna make to your portfolio. So, essentially, now you should be looking at page 18. There you can see a table with lots of different investments on it. Is that right? Yeah. Just Yep. yep. Right now. Yep. Yeah. All good. So having a look at this table here, you've actually currently got some physical gold. If you sort of follow it down, the third column shows you have about 9.92% physical gold in your portfolio at the moment. We wanna kinda rebalance it for you and make sure you hold 10%.","start_word":2163,"end_word":2524,"sentiment":"neutral","sentiment_score":0.1035579983247907},{"text":"So it means we're gonna buy a little bit more physical gold into your portfolio.","start_word":2525,"end_word":2539,"sentiment":"positive","sentiment_score":0.370015025138855},{"text":"You do also Alright. currently have the Benelong Australian Equities, which is the next investment noted down.","start_word":2540,"end_word":2556,"sentiment":"neutral","sentiment_score":-0.0037265929859131575},{"text":"That investment has been underperforming from your portfolio. So I've made the decision to remove that out. We're gonna sell that one down completely and move it.","start_word":2557,"end_word":2583,"sentiment":"negative","sentiment_score":-0.4220983386039734},{"text":"As much as we are, you know, looking to access some funds, we also as moving forward, wanna sure your soup is working as hard as possible. So anything Yeah.","start_word":2584,"end_word":2613,"sentiment":"neutral","sentiment_score":-0.04793503507971763},{"text":"underperforming is should be removed out of your portfolio.","start_word":2614,"end_word":2622,"sentiment":"negative","sentiment_score":-0.5371223092079163},{"text":"Yeah. Yeah. As you've also got the beta shares Raffi a 200, which is the next investment down. We're gonna sell that down as well. Essentially, we've found a much more low cost option of holding Australian equities, so that means just reevaluating the portfolio. So we're gonna sell those investments down to zero. You've Oh, also yeah. got the beta shares Aussie Bank hybrid. These are more of a complex investment, but they are being phased out by the government. So I'm gonna sell those down and remove those from your portfolio as well. Yep. You've also got the iShares Yield Plus. Not a bad investment in any way, shape, or form, but we are gonna sell those down and change your portfolio around a little bit. Your cybersecurity is we wanna keep some of that. You hold about 5.37 at the moment. We only wanna hold 4%, so we're gonna sell some of it and just retain the cybersecurity moving forward. The next one down is a ClearBridge infrastructure fund. That one, again, is not sort of performed as well as we sort of hoped. In the newer portfolio, it does mean that we can sell that down and replace it with something else. So we're gonna sell all of that investment to zero for you as well. Okay? Okay. Yep. The the s and p 500, this is giving you exposure to the top 500 companies within The US there. Within your portfolio, we wanna hold about 25%. You only hold about 20% at the moment, so we need to buy some more of that to bring you back to where you should be. And then Are the you? next one down is the JPMorgan Global Research enhanced equity fund. But this is more of an actively managed fund. It's about utilizing JPMorgan's research team to find where there are areas to be purchased or areas where there might be additional growth. Because of your balanced growth environment, we're looking at trying to reduce the risk level as much as possible.","start_word":2623,"end_word":2966,"sentiment":"neutral","sentiment_score":0.024258128129119098},{"text":"So having more actively managed funds does mean that this investment can underperform in the future.","start_word":2967,"end_word":2982,"sentiment":"positive","sentiment_score":0.37656620144844055},{"text":"So I am looking to reduce your risk level by moving this one out of there for you. We're gonna sell that one down to zero. To make sure you still have more than just the two investments that we've, you know, we're selling everything down, we're then gonna buy into the European market. So you'll hold 7% there.","start_word":2983,"end_word":3041,"sentiment":"neutral","sentiment_score":0.17454157769680023},{"text":"This is giving you exposure to all 16 European countries to giving you diversification.","start_word":3042,"end_word":3055,"sentiment":"positive","sentiment_score":0.3561246693134308},{"text":"Underneath that, we're gonna hold 3% in the Japanese market. And then to keep diversification, because you're in that balanced growth environment area and you are wanting to access super in the near future, we are looking to try and reduce your risk level as much as possible. And one of the ways we do that is to diversify your portfolio. So the next one down is the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. So we're gonna hold 7% of that and giving you exposure to us into the whole world. As I mentioned before, we get we're removing the ban along Australian Equities in the Raffy a 200 because we found a much cheaper option for you. So we're gonna hold the BetaShares a 200.","start_word":3056,"end_word":3204,"sentiment":"neutral","sentiment_score":0.17338047921657562},{"text":"This is giving you exposures to the top 200 companies on the ASX. So it's actually giving you greater diversification, and it's a lower cost way of holding Australian equity exposure. And it how it's actually cheaper for your portfolio as well.","start_word":3205,"end_word":3246,"sentiment":"positive","sentiment_score":0.4629473693314053},{"text":"One of the things I wanted to look at doing was trying to reduce the fees within your portfolio as much as possible as well. Okay? Yep. And then because you do still wanna hold defensive investments, they've got the core composite bonds. This essentially is giving you access to bonds, which pay income, which is important. The income is paid from the investment into your cash account within your super, and then it's reinvested back into your portfolio. We wanna hold 24% of this, so we're gonna buy a bit over $39,000 and for you into that investment. This is a lot, and I fully understand that. Do you have any questions about that so far about those changes that I'm making? No. That's yeah. That's No? pretty good.","start_word":3247,"end_word":3376,"sentiment":"neutral","sentiment_score":0.1755029559135437},{"text":"Beautiful. Excellent.","start_word":3377,"end_word":3378,"sentiment":"positive","sentiment_score":0.45102864503860474},{"text":"Essentially, it's just about making sure that you're in the best performing portfolio and essentially utilize past data and how portfolios Yep. have performed over the past to assess how they can perform in the future. And, essentially, investments that you might have had in your portfolio back three, four, five years ago do need to every now and then be updated and changed to reflect market changes. So it's important to have these sorts of things updated regularly for you. Okay? Yes. Yes.","start_word":3379,"end_word":3462,"sentiment":"neutral","sentiment_score":0.1890675872564316},{"text":"Excellent.","start_word":3463,"end_word":3463,"sentiment":"positive","sentiment_score":0.33346259593963623},{"text":"If you can move down to page number 21, I can show you the main difference. 20 Business. one. Yeah. See comparison table there. Yep.","start_word":3464,"end_word":3488,"sentiment":"neutral","sentiment_score":0.09280350804328918},{"text":"Beautiful.","start_word":3489,"end_word":3489,"sentiment":"positive","sentiment_score":0.3652140498161316},{"text":"So the first column essentially has your Netwealth Super account with your current balance there. And Yep. then, obviously, this the recommended shows the balance after you've had that withdrawal out. So the way I would like to implement this is we start by doing opening up the pension account first, drawing down the 10%, that's 17,000 for you so you can pay down your debt. Then we roll the funds back into super, and then we do the investment switch for you. Okay? We do estimate that the CDT on the investments, which will be about $883. So we do know your your super fund, just like you, does a tax return every year. So whenever there are changes to investments, buyers, sales, income that's produced, your super fund does a tax return, and they pay income tax and CGT tax. So in order to make the switches to withdraw the funds and then also to complete the investment switch, the estimated CGT your super fund will take care of is about $883.70. Does that make sense? Yes. Yep.","start_word":3490,"end_word":3669,"sentiment":"neutral","sentiment_score":0.11628975884781945},{"text":"Beautiful. When we look at the difference in fees, so the by making these changes, we estimate that you'll save about $27 for the year on administration fees. The newer portfolio saves you $440 for the year in investment fees, and then any other fees applicable to the fund, about $42 there. So all in all, you're actually saving money. We're saving about if I add it all up for you, you're saving about $509 on fees by making the changes within your super fund.","start_word":3670,"end_word":3754,"sentiment":"positive","sentiment_score":0.4651144742965698},{"text":"Does that make sense? Yep. Yep.","start_word":3755,"end_word":3760,"sentiment":"neutral","sentiment_score":0.2056812196969986},{"text":"Beautiful.","start_word":3761,"end_word":3761,"sentiment":"positive","sentiment_score":0.5337297320365906},{"text":"The ongoing service fee for us looking after your super and going to the work we do and providing advice, that remains exactly the same. And then the contributions, I am also making a recommendation that once we've completed this now one thing we talked about was moving forward was the ability for you to maybe salary sacrifice and add more money into super. Once we've completed the changes, you've drawn the money out. We've rolled everything back into super and also made the switches. In order to make sure your super is working harder and providing us greater benefit down the track to get you as much money in the super as possible. I'm also making a recommendation that you do start salary sacrificing as well. Essentially, when I sort of looked at the projected outcome, it does show that whilst you have some eligibility for Centrelink down the track, your super balance wasn't quite, you know, growing enough to be able to provide sufficient relief with super sorry, with the age pension to be able to last as long as possible. So we sort of talked about starting to salary sacrifice, and you were comfortable with around about $50 per fortnight when we spoke. I'm actually gonna recommend that you start to salary sacrifice $50 per week into super.","start_word":3762,"end_word":3982,"sentiment":"neutral","sentiment_score":0.10839951038360596},{"text":"It means that you're putting a bit more back into super to replenish what you take out to pay down the debts, but it's also money invested working harder for you.","start_word":3983,"end_word":4013,"sentiment":"positive","sentiment_score":0.3414100110530853},{"text":"We sort of need to increase contributions now so that when we get to retire in age of 65 or 67, that you've got a bit more money invested that you're able to then draw down on to assist and give as much last as long as possible in retirement. Does that make sense? Yeah. Yes.","start_word":4014,"end_word":4069,"sentiment":"neutral","sentiment_score":0.30707499384880066},{"text":"Yeah. So, essentially, once with the recommendations to kinda break it down and make it as easy as possible, we'll start by opening up this transition retirement account for you. We can draw down the funds so you can pay down the debt, then we'll roll everything back into your super accumulation side of things. We'll do the investment switch to put you into the newer portfolio, which is cheaper and saving you on money and performing better.","start_word":4070,"end_word":4147,"sentiment":"positive","sentiment_score":0.39079564809799194},{"text":"And then we'll also recommend that you do start salary sacrificing $50 per week out of your income.","start_word":4148,"end_word":4165,"sentiment":"neutral","sentiment_score":0.2613232135772705},{"text":"So putting a bit more into super, to have more money invested for your retirement.","start_word":4166,"end_word":4180,"sentiment":"positive","sentiment_score":0.4378288686275482},{"text":"Does that make sense? Do you have any questions? Yeah. It does. I just Yeah. how much do I need to to I just don't have sorta, well, put too much, but then I gotta have enough. So it's just Yeah. a a hard one to really know, but it sounds sounds about right. Yeah. Yeah. So when I have a look at the the recommendations with increasing the salary sacrifice by $50 per week plus switching the investments. The old of the sorry. The newer portfolio has averaged about 10.19%. So we kind of, over the next five to ten years, can estimate that you should be able to end up in six years' time of 67 with around about 253,000, and around about four years, about 221,000. In ten years, if you decide to work a little bit longer, you could end up with a bit over 320,000 in super. So it's about just making sure that we have as much as possible in that super fund working harder for you. Yes. You all you do have the option if you decide you no longer wanna take the money out of super to pay down the the car loan. You could always just decide not to go ahead with that section of the strategy. It's just that I had to incorporate that because when we spoke last time, that was one of your goals. You sort of said I would like to be able to pay down that debt as soon as possible utilizing some of the super debt.","start_word":4181,"end_word":4441,"sentiment":"neutral","sentiment_score":0.06475228816270828},{"text":"So I've generated this strategy to make sure that you're able to hopefully pay down some of that car loan, which frees up a bit of your cash and saves on interest on the loan. But then we also alter the investments within super to keep them working harder, and then we also look at increasing the contributions in the super over the next four, six to ten years to kind of provide as big a boost as we possibly can to make sure that when you retire, you're able to draw down what you need to live on and supplement Yep. Centrelink there as well to kinda give you longevity.","start_word":4442,"end_word":4552,"sentiment":"positive","sentiment_score":0.3674392104148865},{"text":"Does that make sense? Do you have any questions? You're welcome to let me know if anything doesn't. So as far as getting a pension, what what what would be too much to Well, other at the sorry. So too much in order to have in super for the age pension? yeah. Yeah. So you definitely, with the projected outcome, are not gonna have too much in there. Yep. Essentially, the age pension thresholds do change and are indexed on a regular basis as well, so they could definitely Yep. go up between now to when you're eligible for age pension. But as a non homeowner, in order to access a full age pension currently as a couple, you essentially need to have assets under 766,000. Yep. So based I on everything that I can see, you should be eligible for full age pension based on the current scenario. And then know. Yeah. That's what I sort sorry. of thought. I just yeah. Really just making sure. Yeah. I thought I'd be right, but yeah. That's that's good. Yeah. No. So at the moment, you should be eligible full age pension at that point in time. Yep. Sorry. My computer started talking to me at the same time. I do apologize. Yeah. You should be eligible offset. Because the age pension, when you think about how much you make from that, it still doesn't really cover all of the expenditure and give someone, you know, a good quality of living. It's meant for a base level of expenditure and does tend to keep people around that poverty line.","start_word":4553,"end_word":4820,"sentiment":"neutral","sentiment_score":0.07026277221183279},{"text":"So we like to try and keep as much inside sleeper as possible so you can get as much age pension as possible, but then also draw some out of sleep with a supplement that to make sure you've got enough income to live on, just travel, to do whatever you wanna do.","start_word":4821,"end_word":4873,"sentiment":"positive","sentiment_score":0.34345534443855286},{"text":"Yep. And then as as you get older, there is often more of an increase around what you need in the way of, you know, medical expenses and and care and things like that.","start_word":4874,"end_word":4907,"sentiment":"neutral","sentiment_score":0.07069651037454605},{"text":"It's you know, we all start off in retirement being able to travel and enjoy our going out for dinner and having fun and doing the things we want.","start_word":4908,"end_word":4936,"sentiment":"positive","sentiment_score":0.3360401391983032},{"text":"But then, you know, as we kind of go through retirement, we end up, you know, ten, twenty, thirty. Some people live in retirement for forty years. So Yeah. it's about making sure you've got some Centrelink and or super to supplement that to give you longevity Yep.","start_word":4937,"end_word":4984,"sentiment":"neutral","sentiment_score":0.14355619251728058},{"text":"to keep your money lasting as long as possible.","start_word":4985,"end_word":4993,"sentiment":"positive","sentiment_score":0.44572457671165466},{"text":"That's kind of where I'm aiming at, but also helping to make sure we can get those debts paid down as quickly as possible for you as well, if that makes Yeah. Got it. Yep. sense. Yeah.","start_word":4994,"end_word":5030,"sentiment":"neutral","sentiment_score":0.2920851707458496},{"text":"Yeah. Beautiful.","start_word":5031,"end_word":5032,"sentiment":"positive","sentiment_score":0.4561671018600464},{"text":"I know it can be a lot. So I've you've got the document there in your emails. If you wanted to take some time today to read through the strategy, all the strategies outline what I'm recommending, how and why, how it relates back to your goals and your best interest duty. It's got the advantages, the disadvantages, and the risks involved. If you find you have any questions, please come back and let me know. But I'd definitely like you to take some time just to read over the document, you know, read those sections. Let me know if you have any questions there. And if you're happy to proceed with the advice, we'll get you to sign and return it back to us. It's also got your ongoing service agreement attached to that. So we when we did the annual review early in the year, it just looks like the ongoing service agreement wasn't signed. So we've attached it to the advice document, and we just ask that you sign and return that back to remain seeking our services and to remain a of IT Financial there as well. Okay? Yep. Yes.","start_word":5033,"end_word":5226,"sentiment":"neutral","sentiment_score":0.17672046235541708},{"text":"Excellent.","start_word":5227,"end_word":5227,"sentiment":"positive","sentiment_score":0.3729543685913086},{"text":"On the very last page, if you find there's any section of the advice that you do not wish to proceed with, there is a little box that says multiline. You can just write in there. So if you didn't wanna, you know, go through with any section of the advice, you just write what you do not wish to proceed with, and we can make sure that that is followed through. Okay? Uh-huh. All good. Do you have any questions, Darren? You're welcome to let me know if there's any that have come up. Please let me know if you need me to clarify things further for you. Yeah. I think that's I can't think of anything at the moment. That's I okay. think that's alright. Yeah. Yeah. That's fine. Take your time. Have a reach of the document there. My team will definitely follow-up with you to see if you do happen to have any questions. And if you are just happy to take on the advice and follow through, I'll get you to sign and return it back for me. Okay? Uh-huh. All good.","start_word":5228,"end_word":5414,"sentiment":"neutral","sentiment_score":0.03913309425115585},{"text":"All good. Well, thank you so much for taking my call. I hope you have a good day. Good luck with the rest of the renovations on the caravan.","start_word":5415,"end_word":5443,"sentiment":"positive","sentiment_score":0.5376067161560059},{"text":"Yeah. I'm getting there. It's Look.","start_word":5444,"end_word":5449,"sentiment":"neutral","sentiment_score":0.1888823509216309},{"text":"You're very you're doing better than I could. You're very handy.","start_word":5450,"end_word":5460,"sentiment":"positive","sentiment_score":0.5900588035583496},{"text":"some things are a challenge, but they Yeah. never go quite the way you sort of plan. But, Yeah. yeah, it's going alright. Figuring it out. No. We're getting there.","start_word":5461,"end_word":5490,"sentiment":"neutral","sentiment_score":-0.0786982998251915},{"text":"Oh, fantastic. All good. Well, I will let you go. Thank you so much for taking my call. You have a good rest of your day, and, again, just let me know if there are any questions in relations and advice document.","start_word":5491,"end_word":5532,"sentiment":"positive","sentiment_score":0.580359160900116},{"text":"Okay? Alright. Yep.","start_word":5533,"end_word":5535,"sentiment":"neutral","sentiment_score":0.2466242015361786},{"text":"Thank you very much. Thank you, Darren. I'll talk to you soon. You have a good afternoon. Yeah. You too. Thank you. Thanks. See you later.","start_word":5536,"end_word":5561,"sentiment":"positive","sentiment_score":0.5998692512512207},{"text":"Bye. Bye.","start_word":5562,"end_word":5563,"sentiment":"neutral","sentiment_score":0.21942171454429624}],"average":{"sentiment":"neutral","sentiment_score":0.1368108566248445}}}}