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Is now still a good time there for you? Yep. Fantastic. How's your morning been so far? Oh, that's good. Before we jump into the call list, Scott, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file there for you. Yeah. Mhmm. Beautiful. Thank you so much for that. Scott, I've got the email with the document in there. Are you able to access the emails at the moment, or did you want me just to run through the recommendations? What's your sort of preference there? I'll send it. I'm just sending it now, so it should be on its way to you. Yeah. Yep. Beautiful. Fantastic. There we go. It says it's just being sent through thank thankfully, so that should come through fairly quickly there for you. It'll come through from OdooSign. Yeah. How's that pop through to you there as of yet? Yeah. Lovely. Perfect. So when you open the email there, you'll see the document. It does, I believe, have a little section that says sign. If you click on that, it lets you go through, and you can see the first document, which is a statement of advice. I have also, if it's easier, attached it as an attachment so you can decide if not the attachment is easier for you as well. Okay? On the first page there, you'll see statement of advice prepared for yourself as of yesterday's date, the 03/17/2026, prepared by myself and my lovely team here at Oakview Financial, and my representative number with ASIC is 1304394. Okay? Perfect. So now the purpose of this advice document, too, was to reassess your super, have a bit of a look at everything. You wanted to sort of make sure you were on track for you meeting your goals. Essentially, you were hoping to be able to access super in around about ten years at the age of 60 there. Drawing down, we did speak about drawing down a regular income on a yearly basis of about 72,000 per annum, which is 6,000 per month. The other sort of conversation I've had in the past with Lisa was that you were also looking at drawing down 3,000 per month each out of your super. So I've kind of looked at both scenarios there for you, looked at what we need to do to be able to keep you on track towards meeting that goal, and updated the advice document to reflect that for you. Okay? We've scoped into a limited extent here the insurance side of things. So because insurances are paid out of your super, it does have an overall effect on your retirement figure as well. So, also, not making any recommendations to alter those. It is important they are reflective of the advice document. Documents. And because you are still technically ten years away from retirement, there is still time for things to change and alter. This is what we're looking at now. However, we do need to review things on a regular basis moving forward and possibly alter the advice as we get closer to accessing super as well. When you get really close to those years, about a year or two out from being able to access super, we'll be able to really hone in on the retirement planning aspect and look at the draw downs in a bit more detail. Retirement planning has been scoped in just to a limited extent now to kinda show you the outcome expected or the effect of the advice recommendations based on the current circumstances, but this is to be reflective and altered moving down the track as well. Okay? We've scoped out areas. This is on page number six for you. So areas of debt management and the estate planning. So you do have your beneficiaries in place. You had available in power of return. You were happy with how all of that was structured. So we're not looking to alter any of those at the moment, but we can definitely, sorry, review those down the track for you. We've also got down here that you one of your other goals, you are looking at doing some renovations there at the moment, and you also had sold off investment property, which is fantastic. So there's been a few changes there. We'll scope out areas of cash flow and debt management for you. We can definitely help them provide additional advice in the future if that's an area you would like to seek advice on as well. Okay? Beautiful. Now the next page there on page number seven is just letting you know this is a limited advice document. We do scope in and out areas that we are and are not providing advice on. If there's any additional advice down the track you wanted to seek outside of these areas, we can absolutely look to help you. If we can't, we can certainly refer you one. As financial advisers, we're not solicitors, so we don't draft wills and power of attorneys and things like that for you. We can, however, refer you to a solicitor if you would need the services of one to review your will and power of attorneys. When it comes to the insurance side of things, we do look at personal insurances, the life, t to d, income protection, trauma, certain business types of cover as well. However, other types of cover are outside of our scope. So home, motor, certain types of business insurances as well, and home and contents there. So they're all general insurances. We don't, as financial advisers, provide advice on those sorts of areas. However, we can refer you to a insurance broker if you did need those services. And under the Better Advice Act 2021, I'm a relevant tax provider, so that means that I can provide financial advice on tax and tax related issues and areas. However, we're not accountants, so we don't do your accounting for you. Can we can refer you to an accountant if you like those services. Little bit of an inside joke. I do like to think that we're a little bit more fun. Financial advisers help you to minimize tax in the front end of things, whereas accounts tell you how much tax you have to pay after the fact. Okay? The next page is sort of the about you section. So it just sort of went through all the information that we had on you based on our last conversation there. Have you had any major changes in your circumstances since we last spoke? I know you have sold the property, so you do have a bit more money in the offset there. But would any of these circumstances have changed at all? Nope. That's a pity. Hoping you would've got a pay rise in there somewhere. Not yet. Yeah. No. No. Hopefully. Yeah. Hopefully, you get one very soon. The next page says outline your assets and liabilities there. We had this updated as the girls checked everything when they booked you in the other day. So that should be all reflected there. If there are any major changes that you want updated, we can absolutely do that for you. None of this has a large effect on the advice as a whole at the moment. But if there is anything that you wanted to have updated or changed, you're welcome to let me know, and I can make sure the back end is reflective of that for you. Okay? Beautiful. Underneath that, you'll see you've got your hub twenty four super account with the current balance in there for you. We've also got your insurances noted there. It's important that we do make note of the insurance cover you do have as it is paid out of your super funds. The next couple of pages kinda outline the risk profile and where you had scored and what you were comfortable in, but we'll kinda go this in a bit more detail below with the recommendations there. Okay? To make things a little bit easier, if I can get you to scroll down for me just to page number. Sorry. No. Number 20. This is essentially looking at other recommendations as a whole. I'll go through the recommendations with you as per everything on this page. The there are other pages higher and below that have a bit more detail around the recommendations that are the best interest due to your advantages, business advantages, and risks involved. I'll kinda go through those with you in a bit of detail there, but you're welcome to go back and have a really good read of those as well. Okay? Perfect. So with this one here, you'll see you've got your current scenario there at the moment. So you've got your current super fund with your current balance there. You are paying administration fees, investment fees, and any other fees applicable to the fund. Your ongoing service fees for us as your advisers and looking after everything and your current contributions based on the current income that you've got, and you've also got your insurance premiums noted there as well. With the current portfolio, you are in a growth portfolio. We did talk about what that means and look at your risk profile initially. You are still comfortable remaining in that environment there, but we wanted to look at your super and make sure it was being maximized as much as possible working towards your retirement goals there. So what I am essentially recommending is I did have a look at all the super funds out there. It is important I review those sorts of things as part of the research. Hub 24 is still reflective of your goals. It's a great platform. It still gives you access to everything you need. It's not had any major changes that really require us to make any alterations to the platform itself at the moment. And if we happen to were to move you to another super fund in any way, shape, or form, it does mean selling down your entire portfolio, which can have a greater capital gains impact on your super fund. So I'm recommending we retain hub twenty four at the moment. Again, you'll see your your administration fees don't change by the retention of the platform itself. However, your investment fees do change. I did have a look at the investments in the growth portfolio there. We had noted, and I believe we spoke last time, that Bennelong had been underperforming a bit. So I have made a recommendation to remove Bennelong solely out of your portfolio, and we're gonna replace that with the BetaShares a 200. A little bit higher on page 18, you'll see the changes that I am making to your portfolio there. So we are gonna move Benelon out. It just replaces the underperforming fund with the a 200. The a 200 is more of a passively managed fund. It is still tracking the top 200 companies in Australia, and it's still it's actually really good as a a a fund because it's one of the highest paying dividend income investments there. So I actually love the a 200. It pays really good high quality dividends, and dividends are really important to be paid out of your portfolio because they go back into your cash account and help with the compounding effect moving forward there as well. By replacing the Banda Long Australian Equities investment with your a 200, you're still getting access and exposure to the Australian shares, and that's important to make sure you're still got that quality of investment and for diversification long term there. Being as more passively managed, it actually does reduce your investment fees quite significantly. So when we look at the portfolio, other changes that we are making, it's also just about rebalancing things there a bit, is that we are also removing the bank hybrids at the top there. So bank hybrids down the track are actually gonna be phased out. So whilst we are making changes to your portfolio now, making all these changes now provide means it has more time to sort of compound moving forward and take effect. So we'll be removing all the bank hybrids there, removing the agriculture, the global agriculture. We are keeping physical gold by just selling some of it down, so rebalancing your portfolio back. Physical gold has done really well, so it is good to rebalance things back to keep you invested in line with your risk profile so it's not overexposing you. But it's also about cementing some of those gains that it has made as well. So we cement those gains. We reinvest them into the portfolio, and then those gains can continue to grow in other areas for you as well. Alright? We've got the beta share secure cybersecurity there. We are still retaining about 5% of that. Just doing a bit of a rebalance there and also rebalancing a bit more money into the S and P 500. I know I I've spoken to a few people recently that have had a little bit of concern about investing in The US. There is nothing wrong with that. One of the good things about the S and P 500 is that it tracks the S and P 500 index. And, essentially, the investment committee that set up the index, they essentially meet every quarter, and they check to see if the companies within the index still actually are able to be in this, make make sure they meet the criteria to remain within the index. If they don't, they actually get removed and something else gets put in its place. The S and P 500 index can encompass anywhere from 500 to 520 old companies. So you are always invested in the top 500 companies in The US, and that is ever evolving and changing depending what what companies meet the criteria to remain in the index there. So being in the S and P 500 and having access to those does keep you in high quality investments within The US. We do know that investments are gonna go up and down, and there is a little bit of unsure and, you know, unsure in the market with regard to The US, but the same thing with Australia there. So it is still good to be in that. Take advantage of the ups and downs that we are gonna see. And when when we do see those down times, just remember, we're putting our contributions in. We're buying into those discounted times, and it will help us as we come out and, you know, compound our growth forward. Does that make sense? Yep. Perfect. We've got, again, sorry, we've got some more BetaShares 200, so that one is being completely sold there. We're getting rid of all of the Benelon Australia equities. We're also removing the ClearBridge Rare Infrastructure Income Fund, and we'll be investing into the iShares Europe, a bit of Japanese equities there as well. The Vanguard or World excluding The US, so this one here gives you access to the entire globe except for The US. So it's giving you access to well established markets but also emerging markets there to provide diversification. Japan has seen some really good growth over the last year as well, and it's also important to be invested into Europe. There's a lot of uncertainty around there, but instead of just picking one or two different markets to choose from and hoping we get the right ones, investing in all of those tends to provide a greater level of return over the longer term. Does that make sense? Yep. Perfect. If if you need more clarity on things, please stop me and ask Scott Scott. Just let me know. Beautiful. Underneath that, we have the beta shares Aussie 200 there, so that's the one we are replacing. With Benelon, it's giving you access to the top 200 companies on the ASX. It is a good place to be, and we'll see 20% invested there. Again, with the Aussie 200, the same as the S and P, essentially, you are tracking the top 200 companies in Australia, and that can change depending on what companies are eligible to to be in that in that index, essentially. So you are always investing, and it is always changing. So you do remain invested in the top 200 companies, which is a benefit for you. And then making sure we have defensive assets as well. So it's about having a lot of growth. You wanna get growth out of your portfolio and see it working harder, but it's also about having some defensive investments. So we have the core composite bonds there that is giving you access to both government and corporate bonds. Bonds tend to get a lower rate of return, but they're great for income producing. It's important to have some of those lower risk investments with what we have sort of seen in the markets at the moment with equities going a bit up and down. Gold has been performing nicely. Silver's had a bit of a a go at it. It was down yesterday, unfortunately. But fixed interest in bonds and things have also seen an increase over the last couple of weeks as well. So we do tend to find history shows that when equities might not be performing quite well, having some alternatives like gold and or silver and some defensive investments like fixed interest and bonds do tend to help provide us with a greater level of return when equities don't perform as well. So that's all part of diversifying your portfolio, spreading a risk risk level over not only different countries and asset classes, but also over growth and defensive investment areas as well. Does that make sense? Yeah. So sort of just scrolling back down to yeah. Sorry. You're right? Yeah. Absolutely. So just going back down to that fees comparison table there, you'll note that with the investment fees under the recommended there, it's actually reducing those. So by moving some of those investments around rebalancing things and moving you into a more passive environment with your post with your portfolio, you're staying within that growth environment there, which is generally seeing 80% growth investments, 20% defensive there. You're still remaining within that sort of after allocation rebalancing things. And this sort of shows that we can save for the first year here, we're expected to save about 2,123 on investment fees. So that is more money that remains in your portfolio, working harder and compounding forward. Okay? It's important. You'll note at the very top of that table, there is a difference of $4.07 $7.01. So in order to make the changes, we are cementing some of the capital gains as well as cementing some of the losses. The $4,007.71 is the CGT effect. So you've got a very higher balance. Smaller changes make a bigger effect to your portfolio. So when we are making changes, we understand your super fund is gonna have tax consequences. Not many people are aware, but your super fund still does a tax return every year, the same as you do with your personal tax returns. So they, account for capital gains and losses. They also look at income tax, and your super fund does a tax return every year for you as well. So we do understand and estimate with regards to the research there to make these changes in your portfolio. We do see a capital gains effect there of 4,771. However, when we look at the difference in the fees, by saving investment fees, we could actually make that without any growth in the portfolio, essentially, two years, and we can make that CDT back or a little over two years. Yeah. And that is made back. So it's cementing those gains and losses and altering the portfolio works to your benefit. We're cementing the the gains and losses and having the CGT effect, but we're also long term saving in investment fees, which has a greater effect moving forward for you. Does that make sense? Yep. Perfect. There's no change to our ongoing service fee that is currently capped at the balance of 600,000. Yours is well over that. So the most you pay is 9,900 there. With the contributions, you'll see there is a difference. So I did have a look at, obviously, the projecting board and looking at what we need to do, and I have made a recommendation to start salary sacrificing. I am making a recommendation to salary sacrifice a $150 on a weekly basis. It is completely up to you as to whether you're comfortable taking this aboard and starting this high. You can always look to, you know, start lower and we kind of increase and change it over time. It's fine. But when I kind of projected forward and looked at everything based on the current recommendations, Also, you are everything is working really well with your current income. It is performing nicely, and we do expect a greater balance. Starting to salary sacrifice now provides a greater long term benefit than if we had to start it down the track. You'll see with starting the salary sacrifice a $150 on a weekly basis, and so if you're adding to your employer contributions, and you're almost at the cap, we were limited on how much we could put in because your income is quite high. The max you can put in on a weekly basis at the moment is just over a $177. I've kinda kept that below the cap for you to give you that space to account for any discrepancies. It's important we review that moving forward for you as well. Okay? When we look at, obviously, the changes in the portfolio, the savings with the investment fee, the increase of the salary sacrifice there for you, and the changes to the portfolio. So the portfolio where there was technically moving you into has shown and we're utilizing your three year rolling average because, unfortunately, the bank hybrids that you were in doesn't give us a five year performance history. Essentially, the newer the three year rolling average in the portfolio we're moving you into has shown greater greater past returns. So if the markets work the way we want them to the way they have in the past, then we can project a greater return moving forward for you. And I've looked at sort of the next six years with this projection table. So if everything works with the updated projections, we could see in the next six years, you end up with about 1,500,000.0. Okay. Perfect. With the way this works, obviously, projections are just projections, and it does depend on how the markets react in the future, and that's why I kinda wanted to increase the salary sacrifice as well. It kind of also gives us a bit of a shortfall if investments aren't working really well. And we know with the growth portfolio, we expect negative returns at least one in every five years. So it is really important that we are kind of planning for that and having a bit of a safe haven. I would not wanna be projecting for it over the next ten years and then in the, say, seven years ago, oh, hey. We're probably not gonna get there. We actually need to maybe start salary sacrificing now. That's not gonna give us as much of an effect as if it does now. So starting now and kind of aiming for where we need to be, knowing there could be a discrepancy because markets react differently and no one can predict exactly how they're gonna react, and that just sort of gives us a bit of something to fall back on. The reason I've only projected out six years in this is that with the growth portfolio, we're generally lucky to be in this, and it sorta has a time horizon of six years. So moving forward, when you're about four years away from retirement, when you get to that six year marker, we're gonna wanna start reducing the risk level. It becomes less about growth in those last couple of years towards retirement and more about protection of your capital. So we're trying to get a bit more growth now in this portfolio that's two to six year time horizon. But when we get that close, you'll probably start to find you're very more risk averse. We're looking to pull back on the risk levels, and it's more about protecting the capital that you've been able to grow. With your balance this high, when I have a look on your current income and your current employer contributions over the next ten years, just based on current employer contributions, that's over $200,000. So you realistically could actually get your balance up to this high. I hope in the next six years as as we're projecting, but at least in the next ten years, we should be able to get close to this. And being at this point, actually, is very close to me to your goal. When I sort of projected for based on what you wanted to draw down, if you can get to 1,500,000.0 there and be able to draw down, we can see at drawing down about $72,000 on a yearly basis. And because in retirement, you're not gonna be getting the kind of growth that you are now, We project that retirement income with only a 5% rate of return. We'd like to be more conservative in retirement because you're not gonna be taking a lot of risk in retirement. So you're only sorta expecting to average around about five to 6% returns when you're in those retirement years and drawing down income. But down on page number 26 there, if we can kinda get it up, drawing down an income of about 72,000, it doesn't quite get you to the age of 90 at the moment, but, essentially, with a 5% return, drawing down 72,000 on a yearly basis just from your super does see us. Super lasts until about age 79 to 80, give or take. This is not including anything else like any other investments. It's not including lease or superannuation. It's not including Centrelink. And when we get closer to retirement, I wanna look at whether you've got access to Centrelink, whether Centrelink's gonna be a way for you, what other options we have, and structures we have to try to benefit you and get you a little bit of Centrelink just so you can kind of have the health care card and provide more longevity out of super, and, also, just making sure that we can also incorporate what Lee Lisa's super looks like for you so we can maybe adjust the drawdowns. Because if you have a higher balance of 1,500,000.0 and hers is quite up there, we're gonna wanna draw more out of your super and less out of hers to provide longevity and balance the two. This is essentially telling you you can meet your goal with this rate. However, because the return in retirement is lower, generally, around about that five to 6% return, you can absolutely get a higher returning retirement. This is that we tend to project out of the more conservative rate of return for you that we expect based on this, your super to last until about age 79 to 80 during the full income. If you were to pull that back a little bit and only draw out the 36,000 per annum, so 3,000 per month from your super and allow Lisa to draw the same from hers, your super actually lasts based on the projected outcome up to age 90. So you've got you've definitely met, yeah, you've definitely met your goal in this instance. It just depends on how long super lasts and what kind of rate of return we can get there. I didn't wanna add any further contributions from outside of salary sacrifice. I did consider and try to look at maybe making non concessional contributions in, but I also wanted to be really mindful that your expenditure's there as well. So you've also got renovations and other things that you wanna do. So that's why I've kinda limited it to salary sacrifice, but this is keeping you on track currently to be able to get you there. And then when we get closer to retirement, we'll just reevaluate the retirement aspect and really look at what we can do. There's other structures like annuities and things that we can look at that allow us to, shelter money. It's a nice way of saying we're hiding money from Centrelink, which can give you guys both access to getting the health care card. A little bit of Centrelink can provide longevity. And then I definitely wanna look at what both your balances are at the time of retirement so we can have a look at how best to structure the drawdowns, how it's gonna look for you guys to allow you both to draw down the income that you absolutely need, but also making sure you get longevity out of super. Because once we get to retirement, it's about keeping the super working, being able to draw income out. But then there's other things that we need take into account as well, looking at, you know, long term health care, whether aged care becomes a factor down the track there as well, and what that looks like for you. So this is so far keeping you on track to meet your goals and and get the best out of your super, and we'll keep reviewing that moving forward. Does that make sense? And do you have any questions so far? Yep. Beautiful. In the appendices, which is attached to it, you'll see the other retirement calculator, which shows you the difference in drawing down the 30,000 per annum as opposed to the 72 for you. Okay? Yep. Perfect. And, look, we are still ten years out. I still wanna review everything every year with you, reevaluate what's happening because the portfolio that is working now may not be required in the next couple of years or may need to alter or change. So we definitely wanna review that. There's also opportunities where you might get pay increases. We're hopefully looking to see changes to the the concessional cap as well. If the concessional cap increases, which is supposed to increase around about July there, we might be able to increase contributions in as well. So there's other things that we can definitely look at to keep you on track there. But as per the recommendations, this is where I see things going at the moment. Okay? Perfect. Do you have any questions? You're welcome to ask me some if you have if anything pops to mind. Not yet. I still have to prevent sorry. Present the advice to her. It is all ready to go. It's just that she had to reschedule the last appointment. I believe her mom was unwell. And yeah. So we've got her booked in to present everything to her, and it's all ready to go. It's just a matter of making sure she's available for the time frame. But, honestly, it's okay. It won't be a problem. So yeah. Yep. K. Absolutely. Yeah. Correct. So at the moment, your ongoing service is 1.65%. I have left it in there at that for the time being. But if Lisa comes on board, we'll obviously make sure yours is reduced back to 1.1 as well for you. Okay? Yeah. Yeah. Absolutely. Absolutely. So there are advantages, obviously, to the strategy, making sure rebalancing the portfolio does keep you in line with your risk profile. It is important that you're not overly taking on a lot of risk because markets are very volatile at the moment. I have sort of been having a look. One of the things I do look at, just to kinda give you some information as well, is the VIX index, which essentially looks at it's a US index, but it looks at essentially the volatility that is expected that we're sort of seeing at the moment. And when the VIX index is over 20%, it basically shows that we are expecting over the next thirty days quite a bit of volatility and movement within the S and P 500, and everything kinda follows suit with that. They always say one of the most elusive things we hear in this industry is everyone says US catches a cold and Australia follows suit, and it's actually quite true. So what I like to follow the VIX index is sort of look at what the volatility is that we are expecting. And for the past week, it has been over 20%. It went upwards of twenty six percent one day and then dropped down to about 24%, but it has sort of stayed steadily over that 20%. So I do foresee for the next least month a bit of volatility out there. So we'll take advantage of the downtimes that we see and make sure that our portfolios are working harder for you. But retaining Hub twenty four was the best way. I wanted to minimize the CGT impact as much as possible. So the retention of the fund was important. It's also easier. Hub twenty four allows us options access to, like, 1,178 different investment options. So it does have access to make those changes. Yeah. Absolutely. And just altering those couple of investments and rebalancing keeps you, in line there. It is important to note that markets do go up and down, so there is always the risks involved with the fact that we are utilizing past performance. That's why I wanna review things with you regularly to make sure we're on track. I definitely don't expect that you're gonna get 17% every single year out of the portfolio, but we know some years, you might get 20%. Other years, it might be 10%. Other years, it might be 2% and a negative return here and there. But if our contributions are going in, we're reinvesting and compounding. We can take advantage of those downtimes. And, overall, we should see everything working harder. And as I said, we'll review everything with you to make sure things are working. And if we have to update the advice, which I definitely expect we will over the next couple of years, we'll just keep updating the advice for you. That's all part of what I do. Okay? Perfect. I will let you go through that. Have a look at the advantages, disadvantages, the risks involved. Have a look at the the salary sacrifice component. Essentially, if you go forward with all of the advice, the way it will be implemented, we'll start by just completing the investment switch there for you so everything is moved and the investments are changed and the underlying for you. We'll give you the salary sacrifice letter for you to hand to your employer. They'll start that salary sacrifice when you tell them to do so. I did consider making it as a deductible contribution, but I like the way a salary sacrifice because your employer does it for you. So it takes the stress of you having to make that contribution on a regular basis away. It's just automating the process and having someone else do it for you can make it a lot easier. Yeah. Correct. Correct. The other thing is you are on a fairly high Wicked at the moment. So, you know, it does come out pretax, which means it can give you the benefit of reducing the income tax payable. And the tax and the contribution once put in the soup is only 15%, so you end up with more money invested. And as I kinda said, it's in best interest because starting that now has a greater compounding effect than if we start that in sort of seven or eight years' time. A 100 dollars compounding for ten years is much better than a $100 compounding for three years. So it's important that we take advantage of those now while we can, and it also provides a bit of a safety net for us as well. Okay? Yeah. Do you have any questions there for me in relation to any of that at all? Yep. Yeah. Legend. Thank you so much for that. If you do wanna alter the salary sacrifice and match it all, on the last page, we do just have a text box where if there's any part of the advice you don't wish to proceed with, you just write a little note there as to what you don't wanna proceed with or any alterations you wanna make to the advice. If there's any issues and you have trouble doing that, just let me know. Email me, and I'm more than happy to make sure that's reflected for you. But, yeah, I just wanted to go through this. I really enjoyed putting this together for you. I had a lot of fun projecting things out and looking at all the different options. So I really appreciate your time. And just if you find any questions come up from any of this, you're welcome to let me know at any point. Okay? Easy. Easy. Thank you. No worries, Scott. I hope you have a good day. Thank you so much for your time. Thanks. See you later. 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Good morning, Scott. Hi. Sorry. It's Dana from OC Financial.\n\nHow are you this morning? I'm very well. Thank you. I had you booked in to run through your updated advice document. Is now still a good time there for you?\n\nYep. Fantastic. How's your morning been so far? Oh, that's good. Before we jump into the call list, Scott, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Lovely. And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file there for you. Yeah. Mhmm.\n\nBeautiful. Thank you so much for that. Scott, I've got the email with the document in there. Are you able to access the emails at the moment, or did you want me just to run through the recommendations? What's your sort of preference there?\n\nI'll send it. I'm just sending it now, so it should be on its way to you. Yeah. Yep. Beautiful.\n\nFantastic. There we go. It says it's just being sent through thank thankfully, so that should come through fairly quickly there for you. It'll come through from OdooSign. Yeah.\n\nHow's that pop through to you there as of yet? Yeah. Lovely. Perfect. So when you open the email there, you'll see the document.\n\nIt does, I believe, have a little section that says sign. If you click on that, it lets you go through, and you can see the first document, which is a statement of advice. I have also, if it's easier, attached it as an attachment so you can decide if not the attachment is easier for you as well. Okay? On the first page there, you'll see statement of advice prepared for yourself as of yesterday's date, the 03/17/2026, prepared by myself and my lovely team here at Oakview Financial, and my representative number with ASIC is 1304394.\n\nOkay? Perfect. So now the purpose of this advice document, too, was to reassess your super, have a bit of a look at everything. You wanted to sort of make sure you were on track for you meeting your goals. Essentially, you were hoping to be able to access super in around about ten years at the age of 60 there.\n\nDrawing down, we did speak about drawing down a regular income on a yearly basis of about 72,000 per annum, which is 6,000 per month. The other sort of conversation I've had in the past with Lisa was that you were also looking at drawing down 3,000 per month each out of your super. So I've kind of looked at both scenarios there for you, looked at what we need to do to be able to keep you on track towards meeting that goal, and updated the advice document to reflect that for you. Okay? We've scoped into a limited extent here the insurance side of things.\n\nSo because insurances are paid out of your super, it does have an overall effect on your retirement figure as well. So, also, not making any recommendations to alter those. It is important they are reflective of the advice document. Documents. And because you are still technically ten years away from retirement, there is still time for things to change and alter.\n\nThis is what we're looking at now. However, we do need to review things on a regular basis moving forward and possibly alter the advice as we get closer to accessing super as well. When you get really close to those years, about a year or two out from being able to access super, we'll be able to really hone in on the retirement planning aspect and look at the draw downs in a bit more detail. Retirement planning has been scoped in just to a limited extent now to kinda show you the outcome expected or the effect of the advice recommendations based on the current circumstances, but this is to be reflective and altered moving down the track as well. Okay?\n\nWe've scoped out areas. This is on page number six for you. So areas of debt management and the estate planning. So you do have your beneficiaries in place. You had available in power of return.\n\nYou were happy with how all of that was structured. So we're not looking to alter any of those at the moment, but we can definitely, sorry, review those down the track for you. We've also got down here that you one of your other goals, you are looking at doing some renovations there at the moment, and you also had sold off investment property, which is fantastic. So there's been a few changes there. We'll scope out areas of cash flow and debt management for you.\n\nWe can definitely help them provide additional advice in the future if that's an area you would like to seek advice on as well. Okay? Beautiful. Now the next page there on page number seven is just letting you know this is a limited advice document. We do scope in and out areas that we are and are not providing advice on.\n\nIf there's any additional advice down the track you wanted to seek outside of these areas, we can absolutely look to help you. If we can't, we can certainly refer you one. As financial advisers, we're not solicitors, so we don't draft wills and power of attorneys and things like that for you. We can, however, refer you to a solicitor if you would need the services of one to review your will and power of attorneys. When it comes to the insurance side of things, we do look at personal insurances, the life, t to d, income protection, trauma, certain business types of cover as well.\n\nHowever, other types of cover are outside of our scope. So home, motor, certain types of business insurances as well, and home and contents there. So they're all general insurances. We don't, as financial advisers, provide advice on those sorts of areas. However, we can refer you to a insurance broker if you did need those services.\n\nAnd under the Better Advice Act 2021, I'm a relevant tax provider, so that means that I can provide financial advice on tax and tax related issues and areas. However, we're not accountants, so we don't do your accounting for you. Can we can refer you to an accountant if you like those services. Little bit of an inside joke. I do like to think that we're a little bit more fun.\n\nFinancial advisers help you to minimize tax in the front end of things, whereas accounts tell you how much tax you have to pay after the fact. Okay? The next page is sort of the about you section. So it just sort of went through all the information that we had on you based on our last conversation there. Have you had any major changes in your circumstances since we last spoke?\n\nI know you have sold the property, so you do have a bit more money in the offset there. But would any of these circumstances have changed at all? Nope. That's a pity. Hoping you would've got a pay rise in there somewhere.\n\nNot yet. Yeah. No. No. Hopefully.\n\nYeah. Hopefully, you get one very soon. The next page says outline your assets and liabilities there. We had this updated as the girls checked everything when they booked you in the other day. So that should be all reflected there.\n\nIf there are any major changes that you want updated, we can absolutely do that for you. None of this has a large effect on the advice as a whole at the moment. But if there is anything that you wanted to have updated or changed, you're welcome to let me know, and I can make sure the back end is reflective of that for you. Okay? Beautiful.\n\nUnderneath that, you'll see you've got your hub twenty four super account with the current balance in there for you. We've also got your insurances noted there. It's important that we do make note of the insurance cover you do have as it is paid out of your super funds. The next couple of pages kinda outline the risk profile and where you had scored and what you were comfortable in, but we'll kinda go this in a bit more detail below with the recommendations there. Okay?\n\nTo make things a little bit easier, if I can get you to scroll down for me just to page number. Sorry. No. Number 20. This is essentially looking at other recommendations as a whole.\n\nI'll go through the recommendations with you as per everything on this page. The there are other pages higher and below that have a bit more detail around the recommendations that are the best interest due to your advantages, business advantages, and risks involved. I'll kinda go through those with you in a bit of detail there, but you're welcome to go back and have a really good read of those as well. Okay? Perfect.\n\nSo with this one here, you'll see you've got your current scenario there at the moment. So you've got your current super fund with your current balance there. You are paying administration fees, investment fees, and any other fees applicable to the fund. Your ongoing service fees for us as your advisers and looking after everything and your current contributions based on the current income that you've got, and you've also got your insurance premiums noted there as well. With the current portfolio, you are in a growth portfolio.\n\nWe did talk about what that means and look at your risk profile initially. You are still comfortable remaining in that environment there, but we wanted to look at your super and make sure it was being maximized as much as possible working towards your retirement goals there. So what I am essentially recommending is I did have a look at all the super funds out there. It is important I review those sorts of things as part of the research. Hub 24 is still reflective of your goals.\n\nIt's a great platform. It still gives you access to everything you need. It's not had any major changes that really require us to make any alterations to the platform itself at the moment. And if we happen to were to move you to another super fund in any way, shape, or form, it does mean selling down your entire portfolio, which can have a greater capital gains impact on your super fund. So I'm recommending we retain hub twenty four at the moment.\n\nAgain, you'll see your your administration fees don't change by the retention of the platform itself. However, your investment fees do change. I did have a look at the investments in the growth portfolio there. We had noted, and I believe we spoke last time, that Bennelong had been underperforming a bit. So I have made a recommendation to remove Bennelong solely out of your portfolio, and we're gonna replace that with the BetaShares a 200.\n\nA little bit higher on page 18, you'll see the changes that I am making to your portfolio there. So we are gonna move Benelon out. It just replaces the underperforming fund with the a 200. The a 200 is more of a passively managed fund. It is still tracking the top 200 companies in Australia, and it's still it's actually really good as a a a fund because it's one of the highest paying dividend income investments there.\n\nSo I actually love the a 200. It pays really good high quality dividends, and dividends are really important to be paid out of your portfolio because they go back into your cash account and help with the compounding effect moving forward there as well. By replacing the Banda Long Australian Equities investment with your a 200, you're still getting access and exposure to the Australian shares, and that's important to make sure you're still got that quality of investment and for diversification long term there. Being as more passively managed, it actually does reduce your investment fees quite significantly. So when we look at the portfolio, other changes that we are making, it's also just about rebalancing things there a bit, is that we are also removing the bank hybrids at the top there.\n\nSo bank hybrids down the track are actually gonna be phased out. So whilst we are making changes to your portfolio now, making all these changes now provide means it has more time to sort of compound moving forward and take effect. So we'll be removing all the bank hybrids there, removing the agriculture, the global agriculture. We are keeping physical gold by just selling some of it down, so rebalancing your portfolio back. Physical gold has done really well, so it is good to rebalance things back to keep you invested in line with your risk profile so it's not overexposing you.\n\nBut it's also about cementing some of those gains that it has made as well. So we cement those gains. We reinvest them into the portfolio, and then those gains can continue to grow in other areas for you as well. Alright? We've got the beta share secure cybersecurity there.\n\nWe are still retaining about 5% of that. Just doing a bit of a rebalance there and also rebalancing a bit more money into the S and P 500. I know I I've spoken to a few people recently that have had a little bit of concern about investing in The US. There is nothing wrong with that. One of the good things about the S and P 500 is that it tracks the S and P 500 index.\n\nAnd, essentially, the investment committee that set up the index, they essentially meet every quarter, and they check to see if the companies within the index still actually are able to be in this, make make sure they meet the criteria to remain within the index. If they don't, they actually get removed and something else gets put in its place. The S and P 500 index can encompass anywhere from 500 to 520 old companies. So you are always invested in the top 500 companies in The US, and that is ever evolving and changing depending what what companies meet the criteria to remain in the index there. So being in the S and P 500 and having access to those does keep you in high quality investments within The US.\n\nWe do know that investments are gonna go up and down, and there is a little bit of unsure and, you know, unsure in the market with regard to The US, but the same thing with Australia there. So it is still good to be in that. Take advantage of the ups and downs that we are gonna see. And when when we do see those down times, just remember, we're putting our contributions in. We're buying into those discounted times, and it will help us as we come out and, you know, compound our growth forward.\n\nDoes that make sense? Yep. Perfect. We've got, again, sorry, we've got some more BetaShares 200, so that one is being completely sold there. We're getting rid of all of the Benelon Australia equities.\n\nWe're also removing the ClearBridge Rare Infrastructure Income Fund, and we'll be investing into the iShares Europe, a bit of Japanese equities there as well. The Vanguard or World excluding The US, so this one here gives you access to the entire globe except for The US. So it's giving you access to well established markets but also emerging markets there to provide diversification. Japan has seen some really good growth over the last year as well, and it's also important to be invested into Europe. There's a lot of uncertainty around there, but instead of just picking one or two different markets to choose from and hoping we get the right ones, investing in all of those tends to provide a greater level of return over the longer term.\n\nDoes that make sense? Yep. Perfect. If if you need more clarity on things, please stop me and ask Scott Scott. Just let me know.\n\nBeautiful. Underneath that, we have the beta shares Aussie 200 there, so that's the one we are replacing. With Benelon, it's giving you access to the top 200 companies on the ASX. It is a good place to be, and we'll see 20% invested there. Again, with the Aussie 200, the same as the S and P, essentially, you are tracking the top 200 companies in Australia, and that can change depending on what companies are eligible to to be in that in that index, essentially.\n\nSo you are always investing, and it is always changing. So you do remain invested in the top 200 companies, which is a benefit for you. And then making sure we have defensive assets as well. So it's about having a lot of growth. You wanna get growth out of your portfolio and see it working harder, but it's also about having some defensive investments.\n\nSo we have the core composite bonds there that is giving you access to both government and corporate bonds. Bonds tend to get a lower rate of return, but they're great for income producing. It's important to have some of those lower risk investments with what we have sort of seen in the markets at the moment with equities going a bit up and down. Gold has been performing nicely. Silver's had a bit of a a go at it.\n\nIt was down yesterday, unfortunately. But fixed interest in bonds and things have also seen an increase over the last couple of weeks as well. So we do tend to find history shows that when equities might not be performing quite well, having some alternatives like gold and or silver and some defensive investments like fixed interest and bonds do tend to help provide us with a greater level of return when equities don't perform as well. So that's all part of diversifying your portfolio, spreading a risk risk level over not only different countries and asset classes, but also over growth and defensive investment areas as well. Does that make sense?\n\nYeah. So sort of just scrolling back down to yeah. Sorry. You're right? Yeah.\n\nAbsolutely. So just going back down to that fees comparison table there, you'll note that with the investment fees under the recommended there, it's actually reducing those. So by moving some of those investments around rebalancing things and moving you into a more passive environment with your post with your portfolio, you're staying within that growth environment there, which is generally seeing 80% growth investments, 20% defensive there. You're still remaining within that sort of after allocation rebalancing things. And this sort of shows that we can save for the first year here, we're expected to save about 2,123 on investment fees.\n\nSo that is more money that remains in your portfolio, working harder and compounding forward. Okay? It's important. You'll note at the very top of that table, there is a difference of $4.07 $7.01. So in order to make the changes, we are cementing some of the capital gains as well as cementing some of the losses.\n\nThe $4,007.71 is the CGT effect. So you've got a very higher balance. Smaller changes make a bigger effect to your portfolio. So when we are making changes, we understand your super fund is gonna have tax consequences. Not many people are aware, but your super fund still does a tax return every year, the same as you do with your personal tax returns.\n\nSo they, account for capital gains and losses. They also look at income tax, and your super fund does a tax return every year for you as well. So we do understand and estimate with regards to the research there to make these changes in your portfolio. We do see a capital gains effect there of 4,771. However, when we look at the difference in the fees, by saving investment fees, we could actually make that without any growth in the portfolio, essentially, two years, and we can make that CDT back or a little over two years.\n\nYeah. And that is made back. So it's cementing those gains and losses and altering the portfolio works to your benefit. We're cementing the the gains and losses and having the CGT effect, but we're also long term saving in investment fees, which has a greater effect moving forward for you. Does that make sense?\n\nYep. Perfect. There's no change to our ongoing service fee that is currently capped at the balance of 600,000. Yours is well over that. So the most you pay is 9,900 there.\n\nWith the contributions, you'll see there is a difference. So I did have a look at, obviously, the projecting board and looking at what we need to do, and I have made a recommendation to start salary sacrificing. I am making a recommendation to salary sacrifice a $150 on a weekly basis. It is completely up to you as to whether you're comfortable taking this aboard and starting this high. You can always look to, you know, start lower and we kind of increase and change it over time.\n\nIt's fine. But when I kind of projected forward and looked at everything based on the current recommendations, Also, you are everything is working really well with your current income. It is performing nicely, and we do expect a greater balance. Starting to salary sacrifice now provides a greater long term benefit than if we had to start it down the track. You'll see with starting the salary sacrifice a $150 on a weekly basis, and so if you're adding to your employer contributions, and you're almost at the cap, we were limited on how much we could put in because your income is quite high.\n\nThe max you can put in on a weekly basis at the moment is just over a $177. I've kinda kept that below the cap for you to give you that space to account for any discrepancies. It's important we review that moving forward for you as well. Okay? When we look at, obviously, the changes in the portfolio, the savings with the investment fee, the increase of the salary sacrifice there for you, and the changes to the portfolio.\n\nSo the portfolio where there was technically moving you into has shown and we're utilizing your three year rolling average because, unfortunately, the bank hybrids that you were in doesn't give us a five year performance history. Essentially, the newer the three year rolling average in the portfolio we're moving you into has shown greater greater past returns. So if the markets work the way we want them to the way they have in the past, then we can project a greater return moving forward for you. And I've looked at sort of the next six years with this projection table. So if everything works with the updated projections, we could see in the next six years, you end up with about 1,500,000.0.\n\nOkay. Perfect. With the way this works, obviously, projections are just projections, and it does depend on how the markets react in the future, and that's why I kinda wanted to increase the salary sacrifice as well. It kind of also gives us a bit of a shortfall if investments aren't working really well. And we know with the growth portfolio, we expect negative returns at least one in every five years.\n\nSo it is really important that we are kind of planning for that and having a bit of a safe haven. I would not wanna be projecting for it over the next ten years and then in the, say, seven years ago, oh, hey. We're probably not gonna get there. We actually need to maybe start salary sacrificing now. That's not gonna give us as much of an effect as if it does now.\n\nSo starting now and kind of aiming for where we need to be, knowing there could be a discrepancy because markets react differently and no one can predict exactly how they're gonna react, and that just sort of gives us a bit of something to fall back on. The reason I've only projected out six years in this is that with the growth portfolio, we're generally lucky to be in this, and it sorta has a time horizon of six years. So moving forward, when you're about four years away from retirement, when you get to that six year marker, we're gonna wanna start reducing the risk level. It becomes less about growth in those last couple of years towards retirement and more about protection of your capital. So we're trying to get a bit more growth now in this portfolio that's two to six year time horizon.\n\nBut when we get that close, you'll probably start to find you're very more risk averse. We're looking to pull back on the risk levels, and it's more about protecting the capital that you've been able to grow. With your balance this high, when I have a look on your current income and your current employer contributions over the next ten years, just based on current employer contributions, that's over $200,000. So you realistically could actually get your balance up to this high. I hope in the next six years as as we're projecting, but at least in the next ten years, we should be able to get close to this.\n\nAnd being at this point, actually, is very close to me to your goal. When I sort of projected for based on what you wanted to draw down, if you can get to 1,500,000.0 there and be able to draw down, we can see at drawing down about $72,000 on a yearly basis. And because in retirement, you're not gonna be getting the kind of growth that you are now, We project that retirement income with only a 5% rate of return. We'd like to be more conservative in retirement because you're not gonna be taking a lot of risk in retirement. So you're only sorta expecting to average around about five to 6% returns when you're in those retirement years and drawing down income.\n\nBut down on page number 26 there, if we can kinda get it up, drawing down an income of about 72,000, it doesn't quite get you to the age of 90 at the moment, but, essentially, with a 5% return, drawing down 72,000 on a yearly basis just from your super does see us. Super lasts until about age 79 to 80, give or take. This is not including anything else like any other investments. It's not including lease or superannuation. It's not including Centrelink.\n\nAnd when we get closer to retirement, I wanna look at whether you've got access to Centrelink, whether Centrelink's gonna be a way for you, what other options we have, and structures we have to try to benefit you and get you a little bit of Centrelink just so you can kind of have the health care card and provide more longevity out of super, and, also, just making sure that we can also incorporate what Lee Lisa's super looks like for you so we can maybe adjust the drawdowns. Because if you have a higher balance of 1,500,000.0 and hers is quite up there, we're gonna wanna draw more out of your super and less out of hers to provide longevity and balance the two. This is essentially telling you you can meet your goal with this rate. However, because the return in retirement is lower, generally, around about that five to 6% return, you can absolutely get a higher returning retirement. This is that we tend to project out of the more conservative rate of return for you that we expect based on this, your super to last until about age 79 to 80 during the full income.\n\nIf you were to pull that back a little bit and only draw out the 36,000 per annum, so 3,000 per month from your super and allow Lisa to draw the same from hers, your super actually lasts based on the projected outcome up to age 90. So you've got you've definitely met, yeah, you've definitely met your goal in this instance. It just depends on how long super lasts and what kind of rate of return we can get there. I didn't wanna add any further contributions from outside of salary sacrifice. I did consider and try to look at maybe making non concessional contributions in, but I also wanted to be really mindful that your expenditure's there as well.\n\nSo you've also got renovations and other things that you wanna do. So that's why I've kinda limited it to salary sacrifice, but this is keeping you on track currently to be able to get you there. And then when we get closer to retirement, we'll just reevaluate the retirement aspect and really look at what we can do. There's other structures like annuities and things that we can look at that allow us to, shelter money. It's a nice way of saying we're hiding money from Centrelink, which can give you guys both access to getting the health care card.\n\nA little bit of Centrelink can provide longevity. And then I definitely wanna look at what both your balances are at the time of retirement so we can have a look at how best to structure the drawdowns, how it's gonna look for you guys to allow you both to draw down the income that you absolutely need, but also making sure you get longevity out of super. Because once we get to retirement, it's about keeping the super working, being able to draw income out. But then there's other things that we need take into account as well, looking at, you know, long term health care, whether aged care becomes a factor down the track there as well, and what that looks like for you. So this is so far keeping you on track to meet your goals and and get the best out of your super, and we'll keep reviewing that moving forward.\n\nDoes that make sense? And do you have any questions so far? Yep. Beautiful. In the appendices, which is attached to it, you'll see the other retirement calculator, which shows you the difference in drawing down the 30,000 per annum as opposed to the 72 for you.\n\nOkay? Yep. Perfect. And, look, we are still ten years out. I still wanna review everything every year with you, reevaluate what's happening because the portfolio that is working now may not be required in the next couple of years or may need to alter or change.\n\nSo we definitely wanna review that. There's also opportunities where you might get pay increases. We're hopefully looking to see changes to the the concessional cap as well. If the concessional cap increases, which is supposed to increase around about July there, we might be able to increase contributions in as well. So there's other things that we can definitely look at to keep you on track there.\n\nBut as per the recommendations, this is where I see things going at the moment. Okay? Perfect. Do you have any questions? You're welcome to ask me some if you have if anything pops to mind.\n\nNot yet. I still have to prevent sorry. Present the advice to her. It is all ready to go. It's just that she had to reschedule the last appointment.\n\nI believe her mom was unwell. And yeah. So we've got her booked in to present everything to her, and it's all ready to go. It's just a matter of making sure she's available for the time frame. But, honestly, it's okay.\n\nIt won't be a problem. So yeah. Yep. K. Absolutely.\n\nYeah. Correct. So at the moment, your ongoing service is 1.65%. I have left it in there at that for the time being. But if Lisa comes on board, we'll obviously make sure yours is reduced back to 1.1 as well for you.\n\nOkay? Yeah. Yeah. Absolutely. Absolutely.\n\nSo there are advantages, obviously, to the strategy, making sure rebalancing the portfolio does keep you in line with your risk profile. It is important that you're not overly taking on a lot of risk because markets are very volatile at the moment. I have sort of been having a look. One of the things I do look at, just to kinda give you some information as well, is the VIX index, which essentially looks at it's a US index, but it looks at essentially the volatility that is expected that we're sort of seeing at the moment. And when the VIX index is over 20%, it basically shows that we are expecting over the next thirty days quite a bit of volatility and movement within the S and P 500, and everything kinda follows suit with that.\n\nThey always say one of the most elusive things we hear in this industry is everyone says US catches a cold and Australia follows suit, and it's actually quite true. So what I like to follow the VIX index is sort of look at what the volatility is that we are expecting. And for the past week, it has been over 20%. It went upwards of twenty six percent one day and then dropped down to about 24%, but it has sort of stayed steadily over that 20%. So I do foresee for the next least month a bit of volatility out there.\n\nSo we'll take advantage of the downtimes that we see and make sure that our portfolios are working harder for you. But retaining Hub twenty four was the best way. I wanted to minimize the CGT impact as much as possible. So the retention of the fund was important. It's also easier.\n\nHub twenty four allows us options access to, like, 1,178 different investment options. So it does have access to make those changes. Yeah. Absolutely. And just altering those couple of investments and rebalancing keeps you, in line there.\n\nIt is important to note that markets do go up and down, so there is always the risks involved with the fact that we are utilizing past performance. That's why I wanna review things with you regularly to make sure we're on track. I definitely don't expect that you're gonna get 17% every single year out of the portfolio, but we know some years, you might get 20%. Other years, it might be 10%. Other years, it might be 2% and a negative return here and there.\n\nBut if our contributions are going in, we're reinvesting and compounding. We can take advantage of those downtimes. And, overall, we should see everything working harder. And as I said, we'll review everything with you to make sure things are working. And if we have to update the advice, which I definitely expect we will over the next couple of years, we'll just keep updating the advice for you.\n\nThat's all part of what I do. Okay? Perfect. I will let you go through that. Have a look at the advantages, disadvantages, the risks involved.\n\nHave a look at the the salary sacrifice component. Essentially, if you go forward with all of the advice, the way it will be implemented, we'll start by just completing the investment switch there for you so everything is moved and the investments are changed and the underlying for you. We'll give you the salary sacrifice letter for you to hand to your employer. They'll start that salary sacrifice when you tell them to do so. I did consider making it as a deductible contribution, but I like the way a salary sacrifice because your employer does it for you.\n\nSo it takes the stress of you having to make that contribution on a regular basis away. It's just automating the process and having someone else do it for you can make it a lot easier. Yeah. Correct. Correct.\n\nThe other thing is you are on a fairly high Wicked at the moment. So, you know, it does come out pretax, which means it can give you the benefit of reducing the income tax payable. And the tax and the contribution once put in the soup is only 15%, so you end up with more money invested. And as I kinda said, it's in best interest because starting that now has a greater compounding effect than if we start that in sort of seven or eight years' time. A 100 dollars compounding for ten years is much better than a $100 compounding for three years.\n\nSo it's important that we take advantage of those now while we can, and it also provides a bit of a safety net for us as well. Okay? Yeah. Do you have any questions there for me in relation to any of that at all? Yep.\n\nYeah. Legend. Thank you so much for that. If you do wanna alter the salary sacrifice and match it all, on the last page, we do just have a text box where if there's any part of the advice you don't wish to proceed with, you just write a little note there as to what you don't wanna proceed with or any alterations you wanna make to the advice. If there's any issues and you have trouble doing that, just let me know.\n\nEmail me, and I'm more than happy to make sure that's reflected for you. But, yeah, I just wanted to go through this. I really enjoyed putting this together for you. I had a lot of fun projecting things out and looking at all the different options. So I really appreciate your time.\n\nAnd just if you find any questions come up from any of this, you're welcome to let me know at any point. Okay? Easy. Easy. Thank you.\n\nNo worries, Scott. I hope you have a good day. Thank you so much for your time. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":5.92,"end":6.16,"sentiment":"neutral","sentiment_score":0.1547594964504242},{"text":"Good morning, Scott.","start":6.16,"end":7.22,"sentiment":"positive","sentiment_score":0.4031621515750885},{"text":"Hi.","start":8.8,"end":9.3,"sentiment":"neutral","sentiment_score":0.143746480345726},{"text":"Sorry.","start":9.44,"end":9.76,"sentiment":"neutral","sentiment_score":0.21382378041744232},{"text":"It's Dana from OC Financial.","start":9.76,"end":11.3,"sentiment":"neutral","sentiment_score":0.17670314908027648}],"sentiment":"neutral","sentiment_score":0.23684835975820367,"num_words":11,"start":5.92,"end":11.3},{"sentences":[{"text":"How are you this morning?","start":11.36,"end":12.58,"sentiment":"neutral","sentiment_score":0.22762042582035064},{"text":"I'm very well.","start":14.225,"end":15.1050005,"sentiment":"positive","sentiment_score":0.5973422129948934},{"text":"Thank you.","start":15.1050005,"end":15.505,"sentiment":"positive","sentiment_score":0.7090380489826202},{"text":"I had you booked in to run through your updated advice document.","start":15.505,"end":18.385,"sentiment":"neutral","sentiment_score":0.31917567551136017},{"text":"Is now still a good time there for you?","start":18.385,"end":20.485,"sentiment":"neutral","sentiment_score":0.2823662559191386}],"sentiment":"positive","sentiment_score":0.3457938475954917,"num_words":31,"start":11.36,"end":20.485},{"sentences":[{"text":"Yep.","start":21.905,"end":22.385,"sentiment":"neutral","sentiment_score":0.25243082642555237},{"text":"Fantastic.","start":22.385,"end":22.885,"sentiment":"positive","sentiment_score":0.6529843807220459},{"text":"How's your morning been so far?","start":23.105,"end":24.965,"sentiment":"positive","sentiment_score":0.3577074408531189},{"text":"Oh, that's good.","start":26.800001,"end":27.68,"sentiment":"positive","sentiment_score":0.43026458223660785},{"text":"Before we jump into the call list, Scott, just to let you know, we do record our calls for quality and training purposes.","start":27.68,"end":32.0,"sentiment":"neutral","sentiment_score":0.09969816583654155}],"sentiment":"neutral","sentiment_score":0.19516210038872325,"num_words":34,"start":21.905,"end":32.0},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":32.0,"end":33.940002,"sentiment":"neutral","sentiment_score":0.16318217251035902},{"text":"Lovely.","start":35.36,"end":35.760002,"sentiment":"positive","sentiment_score":0.3355717062950134},{"text":"And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file there for you.","start":35.760002,"end":44.055,"sentiment":"neutral","sentiment_score":0.1455174851520308},{"text":"Yeah.","start":44.055,"end":44.555,"sentiment":"neutral","sentiment_score":0.017698222771286964},{"text":"Mhmm.","start":45.575,"end":46.075,"sentiment":"neutral","sentiment_score":0.017016811296343803}],"sentiment":"neutral","sentiment_score":0.1477788624967017,"num_words":41,"start":32.0,"end":46.075},{"sentences":[{"text":"Beautiful.","start":47.415,"end":47.915,"sentiment":"positive","sentiment_score":0.467138797044754},{"text":"Thank you so much for that.","start":47.975,"end":49.594997,"sentiment":"positive","sentiment_score":0.6190744737784067},{"text":"Scott, I've got the email with the document in there.","start":50.215,"end":52.454998,"sentiment":"neutral","sentiment_score":0.15112737193703651},{"text":"Are you able to access the emails at the moment, or did you want me just to run through the recommendations?","start":52.454998,"end":56.760002,"sentiment":"neutral","sentiment_score":0.05471652826028211},{"text":"What's your sort of preference there?","start":56.98,"end":58.760002,"sentiment":"neutral","sentiment_score":-0.003841668755436937}],"sentiment":"neutral","sentiment_score":0.15497401000042868,"num_words":44,"start":47.415,"end":58.760002},{"sentences":[{"text":"I'll send it.","start":65.06,"end":66.865,"sentiment":"neutral","sentiment_score":0.010417692363262177},{"text":"I'm just sending it now, so it should be on its way to you.","start":66.865,"end":69.985,"sentiment":"neutral","sentiment_score":0.0694493663364223},{"text":"Yeah.","start":69.985,"end":70.485,"sentiment":"neutral","sentiment_score":0.07908943295478821},{"text":"Yep.","start":70.945,"end":71.425,"sentiment":"neutral","sentiment_score":0.13397344946861267},{"text":"Beautiful.","start":71.425,"end":71.925,"sentiment":"positive","sentiment_score":0.4635624885559082}],"sentiment":"neutral","sentiment_score":0.08400847883895039,"num_words":20,"start":65.06,"end":71.925},{"sentences":[{"text":"Fantastic.","start":72.385,"end":72.885,"sentiment":"positive","sentiment_score":0.4682009816169739},{"text":"There we go.","start":74.705,"end":75.425,"sentiment":"neutral","sentiment_score":0.2866843044757843},{"text":"It says it's just being sent through thank thankfully, so that should come through fairly quickly there for you.","start":75.425,"end":82.46001,"sentiment":"neutral","sentiment_score":0.33171332745175613},{"text":"It'll come through from OdooSign.","start":83.64,"end":85.020004,"sentiment":"neutral","sentiment_score":0.1516617476940155},{"text":"Yeah.","start":88.520004,"end":89.020004,"sentiment":"neutral","sentiment_score":0.0629570335149765}],"sentiment":"neutral","sentiment_score":0.2914507892625085,"num_words":29,"start":72.385,"end":89.020004},{"sentences":[{"text":"How's that pop through to you there as of yet?","start":95.255005,"end":97.515,"sentiment":"neutral","sentiment_score":0.06917379088699818},{"text":"Yeah.","start":98.935005,"end":99.255005,"sentiment":"neutral","sentiment_score":0.18677368760108948},{"text":"Lovely.","start":99.255005,"end":99.735,"sentiment":"positive","sentiment_score":0.4223898947238922},{"text":"Perfect.","start":99.735,"end":100.135,"sentiment":"positive","sentiment_score":0.3911752104759216},{"text":"So when you open the email there, you'll see the document.","start":100.135,"end":102.455,"sentiment":"neutral","sentiment_score":0.12897372313521124}],"sentiment":"neutral","sentiment_score":0.12961615233992538,"num_words":24,"start":95.255005,"end":102.455},{"sentences":[{"text":"It does, I believe, have a little section that says sign.","start":102.455,"end":105.520004,"sentiment":"neutral","sentiment_score":0.09800091250376268},{"text":"If you click on that, it lets you go through, and you can see the first document, which is a statement of advice.","start":105.520004,"end":110.26,"sentiment":"neutral","sentiment_score":0.1090367646968883},{"text":"I have also, if it's easier, attached it as an attachment so you can decide if not the attachment is easier for you as well.","start":111.12,"end":117.840004,"sentiment":"neutral","sentiment_score":0.2085518580675125},{"text":"Okay?","start":117.840004,"end":118.340004,"sentiment":"neutral","sentiment_score":0.15114974975585938},{"text":"On the first page there, you'll see statement of advice prepared for yourself as of yesterday's date, the 03/17/2026, prepared by myself and my lovely team here at Oakview Financial, and my representative number with ASIC is 1304394.","start":119.425,"end":133.905,"sentiment":"neutral","sentiment_score":0.2434443502049697}],"sentiment":"neutral","sentiment_score":0.1857315013755341,"num_words":98,"start":102.455,"end":133.905},{"sentences":[{"text":"Okay?","start":133.905,"end":134.405,"sentiment":"neutral","sentiment_score":0.1625342220067978},{"text":"Perfect.","start":135.81999,"end":136.22,"sentiment":"positive","sentiment_score":0.6508522033691406},{"text":"So now the purpose of this advice document, too, was to reassess your super, have a bit of a look at everything.","start":136.22,"end":140.95999,"sentiment":"positive","sentiment_score":0.4137046594511379},{"text":"You wanted to sort of make sure you were on track for you meeting your goals.","start":141.01999,"end":144.31999,"sentiment":"positive","sentiment_score":0.5118531938642263},{"text":"Essentially, you were hoping to be able to access super in around about ten years at the age of 60 there.","start":144.62,"end":149.715,"sentiment":"neutral","sentiment_score":0.22015691974333354}],"sentiment":"positive","sentiment_score":0.3725874647498131,"num_words":61,"start":133.905,"end":149.715},{"sentences":[{"text":"Drawing down, we did speak about drawing down a regular income on a yearly basis of about 72,000 per annum, which is 6,000 per month.","start":150.275,"end":157.89499,"sentiment":"neutral","sentiment_score":-0.04765867844223976},{"text":"The other sort of conversation I've had in the past with Lisa was that you were also looking at drawing down 3,000 per month each out of your super.","start":159.075,"end":166.68001,"sentiment":"neutral","sentiment_score":0.017587409194173485},{"text":"So I've kind of looked at both scenarios there for you, looked at what we need to do to be able to keep you on track towards meeting that goal, and updated the advice document to reflect that for you.","start":166.68001,"end":177.0,"sentiment":"neutral","sentiment_score":0.2785941455513239},{"text":"Okay?","start":177.0,"end":177.5,"sentiment":"neutral","sentiment_score":0.1265673190355301},{"text":"We've scoped into a limited extent here the insurance side of things.","start":179.335,"end":182.77501,"sentiment":"neutral","sentiment_score":0.012533439012865225}],"sentiment":"neutral","sentiment_score":0.10036731135343836,"num_words":107,"start":150.275,"end":182.77501},{"sentences":[{"text":"So because insurances are paid out of your super, it does have an overall effect on your retirement figure as well.","start":182.77501,"end":188.13501,"sentiment":"neutral","sentiment_score":-0.023646254269849686},{"text":"So, also, not making any recommendations to alter those.","start":188.13501,"end":191.255,"sentiment":"neutral","sentiment_score":-0.20523424239622223},{"text":"It is important they are reflective of the advice document.","start":191.255,"end":193.95,"sentiment":"neutral","sentiment_score":-0.004232202470302582},{"text":"Documents.","start":194.43,"end":194.83,"sentiment":"neutral","sentiment_score":-0.04709900543093681},{"text":"And because you are still technically ten years away from retirement, there is still time for things to change and alter.","start":194.83,"end":200.29,"sentiment":"neutral","sentiment_score":-0.11944538212957836}],"sentiment":"neutral","sentiment_score":-0.07970086413045083,"num_words":62,"start":182.77501,"end":200.29},{"sentences":[{"text":"This is what we're looking at now.","start":200.34999,"end":202.12999,"sentiment":"neutral","sentiment_score":0.0057416970708540505},{"text":"However, we do need to review things on a regular basis moving forward and possibly alter the advice as we get closer to 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well.","start":220.485,"end":234.78,"sentiment":"neutral","sentiment_score":0.055891631212499404},{"text":"Okay?","start":234.78,"end":235.28,"sentiment":"neutral","sentiment_score":0.05649779736995697}],"sentiment":"neutral","sentiment_score":0.08192469117542107,"num_words":123,"start":200.34999,"end":235.28},{"sentences":[{"text":"We've scoped out areas.","start":237.26,"end":239.34,"sentiment":"neutral","sentiment_score":0.13686556741595268},{"text":"This is on page number six for you.","start":239.34,"end":241.105,"sentiment":"neutral","sentiment_score":0.12128464318811893},{"text":"So areas of debt management and the estate planning.","start":241.105,"end":243.585,"sentiment":"neutral","sentiment_score":0.10962190313471688},{"text":"So you do have your beneficiaries in place.","start":243.585,"end":245.345,"sentiment":"neutral","sentiment_score":0.20808924362063408},{"text":"You had available in power of return.","start":245.345,"end":246.945,"sentiment":"neutral","sentiment_score":0.23039808443614415}],"sentiment":"neutral","sentiment_score":0.16060658564998043,"num_words":36,"start":237.26,"end":246.945},{"sentences":[{"text":"You were happy with how all of that was structured.","start":246.945,"end":249.045,"sentiment":"positive","sentiment_score":0.5051484793424607},{"text":"So we're not looking to alter any of those at the moment, but we can definitely, sorry, review those down the track for you.","start":249.185,"end":255.38,"sentiment":"neutral","sentiment_score":0.09493991360068321},{"text":"We've also got down here that you one of your other goals, you are looking at doing some renovations there at the moment, and you also had sold off investment property, which is fantastic.","start":256.24002,"end":266.1,"sentiment":"positive","sentiment_score":0.3452964293606141},{"text":"So there's been a few changes 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you.","start":297.70502,"end":303.565,"sentiment":"neutral","sentiment_score":-0.07370182481550035},{"text":"We can, however, refer you to a solicitor if you would need the services of one to review your will and power of attorneys.","start":303.70502,"end":309.325,"sentiment":"neutral","sentiment_score":-0.011097842206557592},{"text":"When it comes to the insurance side of things, we do look at personal insurances, the life, t to d, income protection, trauma, certain business types of cover as well.","start":310.47,"end":318.41,"sentiment":"neutral","sentiment_score":-0.006684300412113468}],"sentiment":"neutral","sentiment_score":-0.02082675350307722,"num_words":107,"start":289.82,"end":318.41},{"sentences":[{"text":"However, other types of cover are outside of our scope.","start":318.79,"end":321.83002,"sentiment":"neutral","sentiment_score":-0.09944816082715988},{"text":"So home, motor, certain types of business insurances as well, and home and contents 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we're not accountants, so we don't do your accounting for you.","start":346.91,"end":350.27,"sentiment":"neutral","sentiment_score":0.00339402510629346},{"text":"Can we can refer you to an accountant if you like those services.","start":350.27,"end":354.035,"sentiment":"neutral","sentiment_score":0.14585306094242975},{"text":"Little bit of an inside joke.","start":354.035,"end":355.155,"sentiment":"neutral","sentiment_score":0.08850650613506635},{"text":"I do like to think that we're a little bit more fun.","start":355.155,"end":357.415,"sentiment":"neutral","sentiment_score":0.33221355577309925}],"sentiment":"neutral","sentiment_score":0.17908154397607884,"num_words":72,"start":338.11002,"end":357.415},{"sentences":[{"text":"Financial advisers help you to minimize tax in the front end of things, whereas accounts tell you how much tax you have to pay after the fact.","start":357.715,"end":364.375,"sentiment":"neutral","sentiment_score":0.2607550510653743},{"text":"Okay?","start":364.435,"end":364.935,"sentiment":"neutral","sentiment_score":0.13743531703948977},{"text":"The next page is sort of the about you section.","start":367.6,"end":369.92,"sentiment":"neutral","sentiment_score":0.08082324080169201},{"text":"So it just sort of went through all the information that we had on you based on our last conversation there.","start":369.92,"end":375.06,"sentiment":"neutral","sentiment_score":0.07572149591786521},{"text":"Have you had any major changes in your circumstances since we last spoke?","start":375.2,"end":378.72,"sentiment":"neutral","sentiment_score":-0.017251174037273113}],"sentiment":"neutral","sentiment_score":0.1298880591057241,"num_words":72,"start":357.715,"end":378.72},{"sentences":[{"text":"I know you have sold the property, so you do have a bit more money in the offset 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yet.","start":391.215,"end":391.955,"sentiment":"neutral","sentiment_score":-0.21464844793081284},{"text":"Yeah.","start":399.56,"end":400.06,"sentiment":"neutral","sentiment_score":-0.14786599576473236},{"text":"No.","start":402.75998,"end":403.25998,"sentiment":"neutral","sentiment_score":-0.20838460326194763},{"text":"No.","start":403.56,"end":403.8,"sentiment":"neutral","sentiment_score":-0.1672455370426178},{"text":"Hopefully.","start":403.8,"end":404.3,"sentiment":"neutral","sentiment_score":-0.17536702752113342}],"sentiment":"neutral","sentiment_score":-0.1880266765753428,"num_words":6,"start":391.215,"end":404.3},{"sentences":[{"text":"Yeah.","start":405.095,"end":405.495,"sentiment":"neutral","sentiment_score":0.0227552130818367},{"text":"Hopefully, you get one very soon.","start":405.495,"end":407.355,"sentiment":"neutral","sentiment_score":0.062254369258880615},{"text":"The next page says outline your assets and liabilities there.","start":408.535,"end":411.335,"sentiment":"neutral","sentiment_score":0.05538712106645107},{"text":"We had this updated as the girls checked everything when they booked you in the other day.","start":411.335,"end":415.835,"sentiment":"neutral","sentiment_score":0.09897610457504497},{"text":"So that should be all reflected there.","start":416.935,"end":418.535,"sentiment":"neutral","sentiment_score":0.2992678391081946}],"sentiment":"neutral","sentiment_score":0.11530783636177458,"num_words":41,"start":405.095,"end":418.535},{"sentences":[{"text":"If there are any major changes that you want updated, we can absolutely do that for you.","start":418.535,"end":422.32,"sentiment":"neutral","sentiment_score":0.31255455665728626},{"text":"None of this has a large effect on the advice as a whole at the moment.","start":422.32,"end":425.68002,"sentiment":"neutral","sentiment_score":-0.058698536362499},{"text":"But if there is anything that you wanted to have updated or changed, you're welcome to let me know, and I can make sure the back end is reflective of that for you.","start":425.68002,"end":432.64,"sentiment":"neutral","sentiment_score":0.2505407114372109},{"text":"Okay?","start":432.64,"end":433.14,"sentiment":"neutral","sentiment_score":0.1766018271446228},{"text":"Beautiful.","start":434.35498,"end":434.85498,"sentiment":"neutral","sentiment_score":0.10461287200450896}],"sentiment":"neutral","sentiment_score":0.19004866261692607,"num_words":68,"start":418.535,"end":434.85498},{"sentences":[{"text":"Underneath that, you'll see you've got your hub twenty four super account with the current balance in there for you.","start":435.315,"end":439.715,"sentiment":"neutral","sentiment_score":0.12403600104153156},{"text":"We've also got your insurances noted there.","start":439.715,"end":442.13498,"sentiment":"neutral","sentiment_score":0.09097280246870858},{"text":"It's important that we do make note of the insurance cover you do have as it is paid out of your super funds.","start":442.19498,"end":447.41498,"sentiment":"neutral","sentiment_score":0.11300861122815506},{"text":"The next couple of pages kinda outline the risk profile and where you had scored and what you were comfortable in, but we'll kinda go this in a bit more detail below with the recommendations there.","start":447.98,"end":456.86002,"sentiment":"neutral","sentiment_score":0.07650001253932714},{"text":"Okay?","start":456.86002,"end":457.36002,"sentiment":"neutral","sentiment_score":0.05668671801686287}],"sentiment":"neutral","sentiment_score":0.09801626282519307,"num_words":87,"start":435.315,"end":457.36002},{"sentences":[{"text":"To make things a little bit easier, if I can get you to scroll down for me just to page number.","start":458.7,"end":463.755,"sentiment":"neutral","sentiment_score":0.07504660015304883},{"text":"Sorry.","start":465.015,"end":465.495,"sentiment":"neutral","sentiment_score":-0.020864369347691536},{"text":"No.","start":465.495,"end":465.895,"sentiment":"neutral","sentiment_score":-0.01110544428229332},{"text":"Number 20.","start":465.895,"end":466.695,"sentiment":"neutral","sentiment_score":0.002755199559032917},{"text":"This is essentially looking at other recommendations as a whole.","start":466.695,"end":470.375,"sentiment":"neutral","sentiment_score":0.06650309376418591}],"sentiment":"neutral","sentiment_score":0.06327286075268473,"num_words":35,"start":458.7,"end":470.375},{"sentences":[{"text":"I'll go through the recommendations with you as per everything on this page.","start":470.375,"end":474.055,"sentiment":"neutral","sentiment_score":0.1539008113054129},{"text":"The there are other pages higher and below that have a bit more detail around the recommendations that are the best interest due to your advantages, business advantages, and risks involved.","start":474.055,"end":482.68,"sentiment":"neutral","sentiment_score":0.05752961740138069},{"text":"I'll kinda go through those with you in a bit of detail there, but you're welcome to go back and have a really good read of those as well.","start":482.9,"end":488.5,"sentiment":"neutral","sentiment_score":0.3266303678011072},{"text":"Okay?","start":488.5,"end":489.0,"sentiment":"neutral","sentiment_score":0.15993449091911316},{"text":"Perfect.","start":490.435,"end":490.935,"sentiment":"positive","sentiment_score":0.45112764835357666}],"sentiment":"neutral","sentiment_score":0.18489961989223958,"num_words":75,"start":470.375,"end":490.935},{"sentences":[{"text":"So with this one here, you'll see you've got your current scenario there at the moment.","start":491.875,"end":495.39502,"sentiment":"neutral","sentiment_score":0.2166435420513153},{"text":"So you've got your current super fund with your current balance there.","start":495.39502,"end":498.435,"sentiment":"neutral","sentiment_score":0.11179703349868457},{"text":"You are paying administration fees, investment fees, and any other fees applicable to the fund.","start":498.435,"end":503.095,"sentiment":"neutral","sentiment_score":0.09576401660839716},{"text":"Your ongoing service fees for us as your advisers and looking after everything and your current contributions based on the current income that you've got, and you've also got your insurance premiums noted there as well.","start":503.18,"end":513.76,"sentiment":"neutral","sentiment_score":0.16498427093029022},{"text":"With the current portfolio, you are in a growth portfolio.","start":514.22003,"end":516.855,"sentiment":"neutral","sentiment_score":0.11346144825220109}],"sentiment":"neutral","sentiment_score":0.14964460179711994,"num_words":89,"start":491.875,"end":516.855},{"sentences":[{"text":"We did talk about what that means and look at your risk profile initially.","start":516.855,"end":520.295,"sentiment":"neutral","sentiment_score":0.09348805647875581},{"text":"You are still comfortable remaining in that environment there, but we wanted to look at your super and make sure it was being maximized as much as possible working towards your retirement goals there.","start":520.295,"end":530.075,"sentiment":"neutral","sentiment_score":0.22949210379053564},{"text":"So what I am essentially recommending is I did have a look at all the super funds out there.","start":530.1,"end":534.25995,"sentiment":"neutral","sentiment_score":0.20665928643000753},{"text":"It is important I review those sorts of things as part of the research.","start":534.25995,"end":537.31995,"sentiment":"neutral","sentiment_score":0.19829983583518437},{"text":"Hub 24 is still reflective of your goals.","start":537.69995,"end":540.83997,"sentiment":"positive","sentiment_score":0.5680773481726646}],"sentiment":"neutral","sentiment_score":0.22875176684072848,"num_words":89,"start":516.855,"end":540.83997},{"sentences":[{"text":"It's a great platform.","start":540.89996,"end":541.94,"sentiment":"positive","sentiment_score":0.6952585205435753},{"text":"It still gives you access to everything you need.","start":541.94,"end":544.44,"sentiment":"positive","sentiment_score":0.582398490773307},{"text":"It's not had any major changes that really require us to make any alterations to the platform itself at the moment.","start":544.615,"end":550.875,"sentiment":"neutral","sentiment_score":0.1050533556512424},{"text":"And if we happen to were to move you to another super fund in any way, shape, or form, it does mean selling down your entire portfolio, which can have a greater capital gains impact on your super fund.","start":551.41504,"end":561.68,"sentiment":"neutral","sentiment_score":-0.11399637181789447},{"text":"So I'm recommending we retain hub twenty four at the moment.","start":561.68,"end":565.38,"sentiment":"neutral","sentiment_score":-0.001736195757985115}],"sentiment":"neutral","sentiment_score":0.06861647992350516,"num_words":84,"start":540.89996,"end":565.38},{"sentences":[{"text":"Again, you'll see your your administration fees don't change by the retention of the platform itself.","start":565.92,"end":571.04,"sentiment":"neutral","sentiment_score":-0.027898190237465315},{"text":"However, your investment fees do change.","start":571.04,"end":573.38,"sentiment":"neutral","sentiment_score":-0.06009407962361971},{"text":"I did have a look at the investments in the growth portfolio there.","start":573.915,"end":577.535,"sentiment":"neutral","sentiment_score":-0.01828654934293949},{"text":"We had noted, and I believe we spoke last time, that Bennelong had been underperforming a bit.","start":577.835,"end":582.555,"sentiment":"neutral","sentiment_score":-0.14280498772859573},{"text":"So I have made a recommendation to remove Bennelong solely out of your portfolio, and we're gonna replace that with the BetaShares a 200.","start":582.555,"end":590.8,"sentiment":"neutral","sentiment_score":-0.11120983107442346}],"sentiment":"neutral","sentiment_score":-0.08080765000225879,"num_words":76,"start":565.92,"end":590.8},{"sentences":[{"text":"A little bit higher on page 18, you'll see the changes that I am making to your portfolio there.","start":591.66,"end":597.36,"sentiment":"neutral","sentiment_score":0.005047883544313281},{"text":"So we are gonna move Benelon out.","start":597.74,"end":599.57996,"sentiment":"neutral","sentiment_score":0.012209266424179077},{"text":"It just replaces the underperforming fund with the a 200.","start":599.57996,"end":603.23505,"sentiment":"neutral","sentiment_score":-0.019911706261336804},{"text":"The a 200 is more of a passively managed fund.","start":603.23505,"end":606.43506,"sentiment":"neutral","sentiment_score":0.16344432309269905},{"text":"It is still tracking the top 200 companies in Australia, and it's still it's actually really good as a a a fund because it's one of the highest paying dividend income investments there.","start":606.43506,"end":619.5,"sentiment":"positive","sentiment_score":0.3625200612075401}],"sentiment":"neutral","sentiment_score":0.17189699798067914,"num_words":79,"start":591.66,"end":619.5},{"sentences":[{"text":"So I actually love the a 200.","start":619.5,"end":621.18,"sentiment":"positive","sentiment_score":0.5241284200123378},{"text":"It pays really good high quality dividends, and dividends are really important to be paid out of your portfolio because they go back into your cash account and help with the compounding effect moving forward there as well.","start":621.18,"end":630.795,"sentiment":"positive","sentiment_score":0.6454458134739023},{"text":"By replacing the Banda Long Australian Equities investment with your a 200, you're still getting access and exposure to the Australian shares, and that's important to make sure you're still got that quality of investment and for diversification long term there.","start":631.915,"end":645.93,"sentiment":"positive","sentiment_score":0.39495779864671754},{"text":"Being as more passively managed, it actually does reduce your investment fees quite significantly.","start":646.73,"end":652.75,"sentiment":"positive","sentiment_score":0.46023294436080114},{"text":"So when we look at the portfolio, other changes that we are making, it's also just about rebalancing things there a bit, is that we are also removing the bank hybrids at the top there.","start":653.85,"end":662.51495,"sentiment":"neutral","sentiment_score":0.1154798004244055}],"sentiment":"positive","sentiment_score":0.4064752876482628,"num_words":135,"start":619.5,"end":662.51495},{"sentences":[{"text":"So bank hybrids down the track are actually gonna be phased out.","start":662.51495,"end":665.63495,"sentiment":"negative","sentiment_score":-0.3361278350154559},{"text":"So whilst we are making changes to your portfolio now, making all these changes now provide means it has more time to sort of compound moving forward and take effect.","start":665.63495,"end":674.37,"sentiment":"neutral","sentiment_score":0.029572848230600357},{"text":"So we'll be removing all the bank hybrids there, removing the agriculture, the global agriculture.","start":674.77,"end":679.35,"sentiment":"neutral","sentiment_score":-0.08601109186808269},{"text":"We are keeping physical gold by just selling some of it down, so rebalancing your portfolio back.","start":680.37,"end":685.51,"sentiment":"neutral","sentiment_score":0.20218604014200323},{"text":"Physical gold has done really well, so it is good to rebalance things back to keep you invested in line with your risk profile so it's not overexposing you.","start":685.73,"end":693.79504,"sentiment":"positive","sentiment_score":0.5921425138568056}],"sentiment":"neutral","sentiment_score":0.15701728769876425,"num_words":103,"start":662.51495,"end":693.79504},{"sentences":[{"text":"But it's also about cementing some of those gains that it has made as well.","start":693.79504,"end":697.23505,"sentiment":"positive","sentiment_score":0.6153763353824615},{"text":"So we cement those gains.","start":697.23505,"end":699.155,"sentiment":"positive","sentiment_score":0.6259712815284729},{"text":"We reinvest them into the portfolio, and then those gains can continue to grow in other areas for you as well.","start":699.155,"end":705.33,"sentiment":"positive","sentiment_score":0.6732366652715773},{"text":"Alright?","start":705.33,"end":705.83,"sentiment":"neutral","sentiment_score":0.25201231241226196},{"text":"We've got the beta share secure cybersecurity there.","start":707.33,"end":710.05,"sentiment":"positive","sentiment_score":0.3851775750517845}],"sentiment":"positive","sentiment_score":0.5966380864381791,"num_words":50,"start":693.79504,"end":710.05},{"sentences":[{"text":"We are still retaining about 5% of that.","start":710.05,"end":712.05,"sentiment":"positive","sentiment_score":0.34223077073693275},{"text":"Just doing a bit of a rebalance there and also rebalancing a bit more money into the S and P 500.","start":712.05,"end":717.43,"sentiment":"neutral","sentiment_score":0.23206481479463123},{"text":"I know I I've spoken to a few people recently that have had a little bit of concern about investing in The US.","start":717.815,"end":722.935,"sentiment":"neutral","sentiment_score":-0.0031757662477700606},{"text":"There is nothing wrong with that.","start":722.935,"end":724.475,"sentiment":"neutral","sentiment_score":0.09348118429382642},{"text":"One of the good things about the S and P 500 is that it tracks the S and P 500 index.","start":724.775,"end":730.32,"sentiment":"positive","sentiment_score":0.38225227168628145}],"sentiment":"neutral","sentiment_score":0.204131005874163,"num_words":79,"start":710.05,"end":730.32},{"sentences":[{"text":"And, essentially, the investment committee that set up the index, they essentially meet every quarter, and they check to see if the companies within the index still actually are able to be in this, make make sure they meet the criteria to remain within the index.","start":730.4,"end":744.225,"sentiment":"neutral","sentiment_score":0.2268827674181565},{"text":"If they don't, they actually get removed and something else gets put in its place.","start":744.46497,"end":748.245,"sentiment":"neutral","sentiment_score":0.1328071966767311},{"text":"The S and P 500 index can encompass anywhere from 500 to 520 old companies.","start":748.865,"end":754.225,"sentiment":"neutral","sentiment_score":0.16153040230274202},{"text":"So you are always invested in the top 500 companies in The US, and that is ever evolving and changing depending what what companies meet the criteria to remain in the index there.","start":754.225,"end":764.45,"sentiment":"neutral","sentiment_score":0.2563305359446641},{"text":"So being in the S and P 500 and having access to those does keep you in high quality investments within The US.","start":764.45,"end":771.91003,"sentiment":"positive","sentiment_score":0.5531477260848751}],"sentiment":"neutral","sentiment_score":0.2729770960004041,"num_words":132,"start":730.4,"end":771.91003},{"sentences":[{"text":"We do know that investments are gonna go up and down, and there is a little bit of unsure and, you know, unsure in the market with regard to The US, but the same thing with Australia there.","start":772.39496,"end":781.195,"sentiment":"neutral","sentiment_score":-0.028622021408457505},{"text":"So it is still good to be in that.","start":781.195,"end":782.795,"sentiment":"positive","sentiment_score":0.38325394358899856},{"text":"Take advantage of the ups and downs that we are gonna see.","start":782.795,"end":785.61,"sentiment":"neutral","sentiment_score":0.28879666700959206},{"text":"And when when we do see those down times, just remember, we're putting our contributions in.","start":785.85,"end":789.93,"sentiment":"neutral","sentiment_score":0.0990335971582681},{"text":"We're buying into those discounted times, and it will help us as we come out and, you know, compound our growth forward.","start":789.93,"end":797.14996,"sentiment":"neutral","sentiment_score":0.3193967565894127}],"sentiment":"neutral","sentiment_score":0.14885025651952655,"num_words":97,"start":772.39496,"end":797.14996},{"sentences":[{"text":"Does that make sense?","start":797.20996,"end":798.26996,"sentiment":"neutral","sentiment_score":0.1079893708229065},{"text":"Yep.","start":799.36505,"end":799.68506,"sentiment":"neutral","sentiment_score":0.15798315405845642},{"text":"Perfect.","start":799.68506,"end":800.18506,"sentiment":"positive","sentiment_score":0.44665393233299255},{"text":"We've got, again, sorry, we've got some more BetaShares 200, so that one is being completely sold there.","start":800.965,"end":807.765,"sentiment":"neutral","sentiment_score":0.07638176282246907},{"text":"We're getting rid of all of the Benelon Australia equities.","start":807.765,"end":810.325,"sentiment":"neutral","sentiment_score":-0.008036624267697334}],"sentiment":"neutral","sentiment_score":0.06856176640619249,"num_words":34,"start":797.20996,"end":810.325},{"sentences":[{"text":"We're also removing the ClearBridge Rare Infrastructure Income Fund, and we'll be investing into the iShares Europe, a bit of Japanese equities there as well.","start":810.325,"end":819.99,"sentiment":"neutral","sentiment_score":0.08578360058367253},{"text":"The Vanguard or World excluding The US, so this one here gives you access to the entire globe except for The US.","start":820.37,"end":827.445,"sentiment":"neutral","sentiment_score":0.10896016894416376},{"text":"So it's giving you access to well established markets but also emerging markets there to provide diversification.","start":827.445,"end":833.065,"sentiment":"neutral","sentiment_score":0.2540379359441645},{"text":"Japan has seen some really good growth over the last year as well, and it's also important to be invested into Europe.","start":834.245,"end":839.625,"sentiment":"neutral","sentiment_score":0.28835449570959265},{"text":"There's a lot of uncertainty around there, but instead of just picking one or two different markets to choose from and hoping we get the right ones, investing in all of those tends to provide a greater level of return over the longer term.","start":839.64,"end":851.0,"sentiment":"neutral","sentiment_score":0.20417997241020203}],"sentiment":"neutral","sentiment_score":0.18606212564672414,"num_words":130,"start":810.325,"end":851.0},{"sentences":[{"text":"Does that make sense?","start":851.0,"end":852.14,"sentiment":"neutral","sentiment_score":0.11770867556333542},{"text":"Yep.","start":853.455,"end":853.935,"sentiment":"neutral","sentiment_score":0.0951876863837242},{"text":"Perfect.","start":853.935,"end":854.435,"sentiment":"neutral","sentiment_score":0.2726004123687744},{"text":"If if you need more clarity on things, please stop me and ask Scott Scott.","start":854.815,"end":858.735,"sentiment":"neutral","sentiment_score":0.013077593222260476},{"text":"Just let me know.","start":858.735,"end":859.795,"sentiment":"neutral","sentiment_score":0.026773836463689804}],"sentiment":"neutral","sentiment_score":0.045675281807780264,"num_words":25,"start":851.0,"end":859.795},{"sentences":[{"text":"Beautiful.","start":861.215,"end":861.715,"sentiment":"positive","sentiment_score":0.4033530354499817},{"text":"Underneath that, we have the beta shares Aussie 200 there, so that's the one we are replacing.","start":862.735,"end":867.395,"sentiment":"neutral","sentiment_score":0.1489830731469042},{"text":"With Benelon, it's giving you access to the top 200 companies on the ASX.","start":867.77,"end":871.47003,"sentiment":"neutral","sentiment_score":0.3141134487731116},{"text":"It is a good place to be, and we'll see 20% invested there.","start":871.53,"end":874.91,"sentiment":"positive","sentiment_score":0.5233525725511404},{"text":"Again, with the Aussie 200, the same as the S and P, essentially, you are tracking the top 200 companies in Australia, and that can change depending on what companies are eligible to to be in that in that index, essentially.","start":875.13,"end":887.635,"sentiment":"neutral","sentiment_score":0.13769188995768383}],"sentiment":"neutral","sentiment_score":0.23003028480466023,"num_words":86,"start":861.215,"end":887.635},{"sentences":[{"text":"So you are always investing, and it is always changing.","start":887.635,"end":890.29504,"sentiment":"positive","sentiment_score":0.42754335403442384},{"text":"So you do remain invested in the top 200 companies, which is a benefit for you.","start":890.67505,"end":894.93506,"sentiment":"positive","sentiment_score":0.6557409502565861},{"text":"And then making sure we have defensive assets as well.","start":895.32996,"end":897.88995,"sentiment":"positive","sentiment_score":0.4560354709625244},{"text":"So it's about having a lot of growth.","start":897.88995,"end":899.73,"sentiment":"positive","sentiment_score":0.5374186336994171},{"text":"You wanna get growth out of your portfolio and see it working harder, but it's also about having some defensive investments.","start":899.73,"end":905.51,"sentiment":"positive","sentiment_score":0.47118864740644184}],"sentiment":"positive","sentiment_score":0.5157223710646996,"num_words":65,"start":887.635,"end":905.51},{"sentences":[{"text":"So we have the core composite bonds there that is giving you access to both government and corporate bonds.","start":905.57,"end":911.395,"sentiment":"positive","sentiment_score":0.3675192829809691},{"text":"Bonds tend to get a lower rate of return, but they're great for income producing.","start":911.53503,"end":915.135,"sentiment":"positive","sentiment_score":0.5090516050656636},{"text":"It's important to have some of those lower risk investments with what we have sort of seen in the markets at the moment with equities going a bit up and down.","start":915.135,"end":922.58997,"sentiment":"neutral","sentiment_score":0.26619664844005336},{"text":"Gold has been performing nicely.","start":922.58997,"end":924.29,"sentiment":"positive","sentiment_score":0.36544517874717714},{"text":"Silver's had a bit of a a go at it.","start":924.58997,"end":926.75,"sentiment":"neutral","sentiment_score":-0.015473008621484041}],"sentiment":"neutral","sentiment_score":0.30679040452232587,"num_words":80,"start":905.57,"end":926.75},{"sentences":[{"text":"It was down yesterday, unfortunately.","start":926.75,"end":928.37,"sentiment":"neutral","sentiment_score":-0.2537334769964218},{"text":"But fixed interest in bonds and things have also seen an increase over the last couple of weeks as well.","start":929.23,"end":935.41504,"sentiment":"neutral","sentiment_score":0.24501911774277688},{"text":"So we do tend to find history shows that when equities might not be performing quite well, having some alternatives like gold and or silver and some defensive investments like fixed interest and bonds do tend to help provide us with a greater level of return when equities don't perform as well.","start":935.41504,"end":952.32,"sentiment":"neutral","sentiment_score":0.2346564858005597},{"text":"So that's all part of diversifying your portfolio, spreading a risk risk level over not only different countries and asset classes, but also over growth and defensive investment areas as well.","start":952.32,"end":964.115,"sentiment":"neutral","sentiment_score":0.3301462367657692},{"text":"Does that make sense?","start":964.115,"end":965.175,"sentiment":"neutral","sentiment_score":0.15960761159658432}],"sentiment":"neutral","sentiment_score":0.23845371444310462,"num_words":112,"start":926.75,"end":965.175},{"sentences":[{"text":"Yeah.","start":966.595,"end":967.095,"sentiment":"neutral","sentiment_score":0.0788809284567833},{"text":"So sort of just scrolling back down to yeah.","start":967.315,"end":970.115,"sentiment":"neutral","sentiment_score":0.02910532843735483},{"text":"Sorry.","start":970.115,"end":970.435,"sentiment":"neutral","sentiment_score":0.018953057006001472},{"text":"You're right?","start":970.435,"end":971.175,"sentiment":"neutral","sentiment_score":0.0561025645583868},{"text":"Yeah.","start":974.37,"end":974.87,"sentiment":"neutral","sentiment_score":0.3163211941719055}],"sentiment":"neutral","sentiment_score":0.056307733191975524,"num_words":14,"start":966.595,"end":974.87},{"sentences":[{"text":"Absolutely.","start":974.93,"end":975.43,"sentiment":"positive","sentiment_score":0.39215636253356934},{"text":"So just going back down to that fees comparison table there, you'll note that with the investment fees under the recommended there, it's actually reducing those.","start":976.37,"end":983.75,"sentiment":"neutral","sentiment_score":0.202953135738006},{"text":"So by moving some of those investments around rebalancing things and moving you into a more passive environment with your post with your portfolio, you're staying within that growth environment there, which is generally seeing 80% growth investments, 20% defensive there.","start":984.05,"end":998.28,"sentiment":"neutral","sentiment_score":0.29630751244542075},{"text":"You're still remaining within that sort of after allocation rebalancing things.","start":998.36005,"end":1002.62006,"sentiment":"positive","sentiment_score":0.3379154449159449},{"text":"And this sort of shows that we can save for the first year here, we're expected to save about 2,123 on investment fees.","start":1003.0,"end":1010.36005,"sentiment":"positive","sentiment_score":0.6299590636854586}],"sentiment":"positive","sentiment_score":0.353173277066911,"num_words":102,"start":974.93,"end":1010.36005},{"sentences":[{"text":"So that is more money that remains in your portfolio, working harder and compounding forward.","start":1010.36005,"end":1015.97504,"sentiment":"positive","sentiment_score":0.6036685506502787},{"text":"Okay?","start":1016.11505,"end":1016.61505,"sentiment":"neutral","sentiment_score":0.25948798656463623},{"text":"It's important.","start":1017.875,"end":1018.515,"sentiment":"neutral","sentiment_score":0.09110751375555992},{"text":"You'll note at the very top of that table, there is a difference of $4.07 $7.01.","start":1018.515,"end":1022.195,"sentiment":"neutral","sentiment_score":0.016415780992247164},{"text":"So in order to make the changes, we are cementing some of the capital gains as well as cementing some of the losses.","start":1022.195,"end":1028.09,"sentiment":"neutral","sentiment_score":0.09339320416683736}],"sentiment":"neutral","sentiment_score":0.20890223623759913,"num_words":57,"start":1010.36005,"end":1028.09},{"sentences":[{"text":"The $4,007.71 is the CGT effect.","start":1028.23,"end":1031.27,"sentiment":"neutral","sentiment_score":0.11295980711778005},{"text":"So you've got a very higher balance.","start":1031.27,"end":1032.97,"sentiment":"neutral","sentiment_score":0.18694921157189778},{"text":"Smaller changes make a bigger effect to your portfolio.","start":1033.1901,"end":1036.09,"sentiment":"neutral","sentiment_score":0.3044859402709537},{"text":"So when we are making changes, we understand your super fund is gonna have tax consequences.","start":1036.875,"end":1041.615,"sentiment":"neutral","sentiment_score":0.03700249851681292},{"text":"Not many people are aware, but your super fund still does a tax return every year, the same as you do with your personal tax returns.","start":1042.475,"end":1048.875,"sentiment":"neutral","sentiment_score":0.04447110283833284}],"sentiment":"neutral","sentiment_score":0.10117289744084701,"num_words":64,"start":1028.23,"end":1048.875},{"sentences":[{"text":"So they, account for capital gains and losses.","start":1048.875,"end":1051.775,"sentiment":"neutral","sentiment_score":0.08259481564164162},{"text":"They also look at income tax, and your super fund does a tax return every year for you as well.","start":1051.97,"end":1056.79,"sentiment":"neutral","sentiment_score":0.10658545605838299},{"text":"So we do understand and estimate with regards to the research there to make these changes in your portfolio.","start":1057.17,"end":1062.39,"sentiment":"neutral","sentiment_score":0.07809991997323538},{"text":"We do see a capital gains effect there of 4,771.","start":1063.17,"end":1067.385,"sentiment":"neutral","sentiment_score":0.07746213115751743},{"text":"However, when we look at the difference in the fees, by saving investment fees, we could actually make that without any growth in the portfolio, essentially, two years, and we can make that CDT back or a little over two years.","start":1067.545,"end":1079.305,"sentiment":"neutral","sentiment_score":-0.0206720142102823}],"sentiment":"neutral","sentiment_score":0.042892192395365965,"num_words":98,"start":1048.875,"end":1079.305},{"sentences":[{"text":"Yeah.","start":1079.305,"end":1079.805,"sentiment":"neutral","sentiment_score":0.11973313242197035},{"text":"And that is made back.","start":1080.0199,"end":1081.1399,"sentiment":"neutral","sentiment_score":0.16747096478939055},{"text":"So it's cementing those gains and losses and altering the portfolio works to your benefit.","start":1081.1399,"end":1086.6,"sentiment":"positive","sentiment_score":0.33601317306359607},{"text":"We're cementing the the gains and losses and having the CGT effect, but we're also long term saving in investment fees, which has a greater effect moving forward for you.","start":1086.6599,"end":1094.98,"sentiment":"positive","sentiment_score":0.4064931968847911},{"text":"Does that make sense?","start":1094.98,"end":1095.915,"sentiment":"neutral","sentiment_score":0.2330309972167015}],"sentiment":"positive","sentiment_score":0.3477128263224255,"num_words":55,"start":1079.305,"end":1095.915},{"sentences":[{"text":"Yep.","start":1097.1951,"end":1097.5951,"sentiment":"neutral","sentiment_score":0.2623775899410248},{"text":"Perfect.","start":1097.5951,"end":1098.0951,"sentiment":"neutral","sentiment_score":0.0799570381641388},{"text":"There's no change to our ongoing service fee that is currently capped at the balance of 600,000.","start":1099.115,"end":1103.5951,"sentiment":"neutral","sentiment_score":-0.042016622336471784},{"text":"Yours is well over that.","start":1103.5951,"end":1104.7151,"sentiment":"neutral","sentiment_score":0.25725607573986053},{"text":"So the most you pay is 9,900 there.","start":1104.7151,"end":1108.08,"sentiment":"neutral","sentiment_score":0.08461061306297779}],"sentiment":"neutral","sentiment_score":0.049725541612133384,"num_words":32,"start":1097.1951,"end":1108.08},{"sentences":[{"text":"With the contributions, you'll see there is a difference.","start":1108.32,"end":1110.88,"sentiment":"neutral","sentiment_score":0.014594054884380765},{"text":"So I did have a look at, obviously, the projecting board and looking at what we need to do, and I have made a recommendation to start salary sacrificing.","start":1110.88,"end":1118.0199,"sentiment":"neutral","sentiment_score":0.022885306385056727},{"text":"I am making a recommendation to salary sacrifice a $150 on a weekly basis.","start":1118.7999,"end":1123.46,"sentiment":"neutral","sentiment_score":0.09008241152124745},{"text":"It is completely up to you as to whether you're comfortable taking this aboard and starting this high.","start":1123.7051,"end":1128.185,"sentiment":"neutral","sentiment_score":0.14920131324066055},{"text":"You can always look to, you know, start lower and we kind of increase and change it over time.","start":1128.185,"end":1132.5851,"sentiment":"neutral","sentiment_score":0.06905279975188405}],"sentiment":"neutral","sentiment_score":0.06802023566338454,"num_words":89,"start":1108.32,"end":1132.5851},{"sentences":[{"text":"It's fine.","start":1132.5851,"end":1133.3251,"sentiment":"neutral","sentiment_score":0.19249151647090912},{"text":"But when I kind of projected forward and looked at everything based on the current recommendations, Also, you are everything is working really well with your current income.","start":1133.7051,"end":1142.12,"sentiment":"neutral","sentiment_score":0.25406221420105013},{"text":"It is performing nicely, and we do expect a greater balance.","start":1142.34,"end":1145.06,"sentiment":"positive","sentiment_score":0.6414067961952903},{"text":"Starting to salary sacrifice now provides a greater long term benefit than if we had to start it down the track.","start":1145.06,"end":1150.755,"sentiment":"positive","sentiment_score":0.5122346636794862},{"text":"You'll see with starting the salary sacrifice a $150 on a weekly basis, and so if you're adding to your employer contributions, and you're almost at the cap, we were limited on how much we could put in because your income is quite high.","start":1151.955,"end":1165.155,"sentiment":"neutral","sentiment_score":0.10521135242147879}],"sentiment":"neutral","sentiment_score":0.2824568606842801,"num_words":106,"start":1132.5851,"end":1165.155},{"sentences":[{"text":"The max you can put in on a weekly basis at the moment is just over a $177.","start":1165.155,"end":1170.26,"sentiment":"neutral","sentiment_score":-0.047259420777360596},{"text":"I've kinda kept that below the cap for you to give you that space to account for any discrepancies.","start":1170.4,"end":1174.74,"sentiment":"neutral","sentiment_score":-0.035896718109908854},{"text":"It's important we review that moving forward for you as well.","start":1175.28,"end":1178.4801,"sentiment":"neutral","sentiment_score":0.10611109706488522},{"text":"Okay?","start":1178.4801,"end":1178.9801,"sentiment":"neutral","sentiment_score":0.07859724760055542},{"text":"When we look at, obviously, the changes in the portfolio, the savings with the investment fee, the increase of the salary sacrifice there for you, and the changes to the portfolio.","start":1180.685,"end":1189.665,"sentiment":"neutral","sentiment_score":0.04033629986787996}],"sentiment":"neutral","sentiment_score":0.012044217414222657,"num_words":80,"start":1165.155,"end":1189.665},{"sentences":[{"text":"So the portfolio where there was technically moving you into has shown and we're utilizing your three year rolling average because, unfortunately, the bank hybrids that you were in doesn't give us a five year performance history.","start":1189.885,"end":1200.57,"sentiment":"neutral","sentiment_score":-0.06904797089865079},{"text":"Essentially, the newer the three year rolling average in the portfolio we're moving you into has shown greater greater past returns.","start":1201.51,"end":1208.07,"sentiment":"neutral","sentiment_score":0.17994577286853677},{"text":"So if the markets work the way we want them to the way they have in the past, then we can project a greater return moving forward for you.","start":1208.07,"end":1214.925,"sentiment":"neutral","sentiment_score":0.284309610210616},{"text":"And I've looked at sort of the next six years with this projection table.","start":1214.985,"end":1218.365,"sentiment":"neutral","sentiment_score":0.14596353897026607},{"text":"So if everything works with the updated projections, we could see in the next six years, you end up with about 1,500,000.0.","start":1218.985,"end":1225.44,"sentiment":"neutral","sentiment_score":0.19834735854105515}],"sentiment":"neutral","sentiment_score":0.12907476777710566,"num_words":123,"start":1189.885,"end":1225.44},{"sentences":[{"text":"Okay.","start":1225.66,"end":1226.16,"sentiment":"neutral","sentiment_score":0.1878144145011902},{"text":"Perfect.","start":1227.42,"end":1227.92,"sentiment":"positive","sentiment_score":0.6767338514328003},{"text":"With the way this works, obviously, projections are just projections, and it does depend on how the markets react in the future, and that's why I kinda wanted to increase the salary sacrifice as well.","start":1228.62,"end":1237.905,"sentiment":"neutral","sentiment_score":0.0091708009530391},{"text":"It kind of also gives us a bit of a shortfall if investments aren't working really well.","start":1237.985,"end":1241.8251,"sentiment":"neutral","sentiment_score":-0.272474822752616},{"text":"And we know with the growth portfolio, we expect negative returns at least one in every five years.","start":1241.8251,"end":1247.685,"sentiment":"neutral","sentiment_score":-0.29014261977540123}],"sentiment":"neutral","sentiment_score":-0.1204043450480741,"num_words":72,"start":1225.66,"end":1247.685},{"sentences":[{"text":"So it is really important that we are kind of planning for that and having a bit of a safe haven.","start":1248.385,"end":1252.96,"sentiment":"neutral","sentiment_score":0.0861116794958001},{"text":"I would not wanna be projecting for it over the next ten years and then in the, say, seven years ago, oh, hey.","start":1252.96,"end":1258.0,"sentiment":"neutral","sentiment_score":-0.19310653792775195},{"text":"We're probably not gonna get there.","start":1258.0,"end":1259.44,"sentiment":"neutral","sentiment_score":-0.3227475881576538},{"text":"We actually need to maybe start salary sacrificing now.","start":1259.44,"end":1262.58,"sentiment":"neutral","sentiment_score":-0.2416564557287428},{"text":"That's not gonna give us as much of an effect as if it does now.","start":1262.6399,"end":1265.9199,"sentiment":"neutral","sentiment_score":-0.22631419400374095}],"sentiment":"neutral","sentiment_score":-0.13701637356063803,"num_words":74,"start":1248.385,"end":1265.9199},{"sentences":[{"text":"So starting now and kind of aiming for where we need to be, knowing there could be a discrepancy because markets react differently and no one can predict exactly how they're gonna react, and that just sort of gives us a bit of something to fall back on.","start":1265.9199,"end":1279.285,"sentiment":"neutral","sentiment_score":-0.1583192084605495},{"text":"The reason I've only projected out six years in this is that with the growth portfolio, we're generally lucky to be in this, and it sorta has a time horizon of six years.","start":1279.665,"end":1290.4601,"sentiment":"neutral","sentiment_score":-0.020492559919754665},{"text":"So moving forward, when you're about four years away from retirement, when you get to that six year marker, we're gonna wanna start reducing the risk level.","start":1290.68,"end":1297.98,"sentiment":"neutral","sentiment_score":0.054824649873707026},{"text":"It becomes less about growth in those last couple of years towards retirement and more about protection of your capital.","start":1298.185,"end":1304.4451,"sentiment":"neutral","sentiment_score":0.04795033149421215},{"text":"So we're trying to get a bit more growth now in this portfolio that's two to six year time horizon.","start":1304.905,"end":1309.965,"sentiment":"neutral","sentiment_score":0.06351680476218462}],"sentiment":"neutral","sentiment_score":-0.030851136565812537,"num_words":148,"start":1265.9199,"end":1309.965},{"sentences":[{"text":"But when we get that close, you'll probably start to find you're very more risk averse.","start":1310.025,"end":1314.0499,"sentiment":"negative","sentiment_score":-0.5681877452880144},{"text":"We're looking to pull back on the risk levels, and it's more about protecting the capital that you've been able to grow.","start":1314.0499,"end":1319.2699,"sentiment":"neutral","sentiment_score":0.11481590907682072},{"text":"With your balance this high, when I have a look on your current income and your current employer contributions over the next ten years, just based on current employer contributions, that's over $200,000.","start":1319.8099,"end":1331.965,"sentiment":"neutral","sentiment_score":0.20938920681223724},{"text":"So you realistically could actually get your balance up to this high.","start":1331.965,"end":1335.985,"sentiment":"positive","sentiment_score":0.42356552680333454},{"text":"I hope in the next six years as as we're projecting, but at least in the next ten years, we should be able to get close to this.","start":1336.0449,"end":1342.3201,"sentiment":"positive","sentiment_score":0.496355591075761}],"sentiment":"neutral","sentiment_score":0.17410389884366645,"num_words":111,"start":1310.025,"end":1342.3201},{"sentences":[{"text":"And being at this point, actually, is very close to me to your goal.","start":1342.9401,"end":1348.0801,"sentiment":"positive","sentiment_score":0.49543229171207975},{"text":"When I sort of projected for based on what you wanted to draw down, if you can get to 1,500,000.0 there and be able to draw down, we can see at drawing down about $72,000 on a yearly basis.","start":1348.4601,"end":1361.395,"sentiment":"neutral","sentiment_score":0.1666754621725816},{"text":"And because in retirement, you're not gonna be getting the kind of growth that you are now, We project that retirement income with only a 5% rate of return.","start":1361.395,"end":1369.4601,"sentiment":"neutral","sentiment_score":0.11968849265369876},{"text":"We'd like to be more conservative in retirement because you're not gonna be taking a lot of risk in retirement.","start":1369.4601,"end":1374.04,"sentiment":"neutral","sentiment_score":0.11552706621587276},{"text":"So you're only sorta expecting to average around about five to 6% returns when you're in those retirement years and drawing down income.","start":1374.66,"end":1381.48,"sentiment":"neutral","sentiment_score":0.08792108556498653}],"sentiment":"neutral","sentiment_score":0.16992070150375366,"num_words":125,"start":1342.9401,"end":1381.48},{"sentences":[{"text":"But down on page number 26 there, if we can kinda get it up, drawing down an income of about 72,000, it doesn't quite get you to the age of 90 at the moment, but, essentially, with a 5% return, drawing down 72,000 on a yearly basis just from your super does see us.","start":1381.8251,"end":1398.2699,"sentiment":"neutral","sentiment_score":0.11915119737386703},{"text":"Super lasts until about age 79 to 80, give or take.","start":1398.2699,"end":1401.73,"sentiment":"neutral","sentiment_score":0.03541075472127308},{"text":"This is not including anything else like any other investments.","start":1401.87,"end":1405.8099,"sentiment":"neutral","sentiment_score":-0.17136076092720032},{"text":"It's not including lease or superannuation.","start":1405.87,"end":1407.6499,"sentiment":"neutral","sentiment_score":-0.18276773889859518},{"text":"It's not including Centrelink.","start":1408.605,"end":1409.985,"sentiment":"neutral","sentiment_score":-0.13664682768285275}],"sentiment":"neutral","sentiment_score":0.04078684243209222,"num_words":85,"start":1381.8251,"end":1409.985},{"sentences":[{"text":"And when we get closer to retirement, I wanna look at whether you've got access to Centrelink, whether Centrelink's gonna be a way for you, what other options we have, and structures we have to try to benefit you and get you a little bit of Centrelink just so you can kind of have the health care card and provide more longevity out of super, and, also, just making sure that we can also incorporate what Lee Lisa's super looks like for you so we can maybe adjust the drawdowns.","start":1410.045,"end":1434.3,"sentiment":"neutral","sentiment_score":0.26281119543645115},{"text":"Because if you have a higher balance of 1,500,000.0 and hers is quite up there, we're gonna wanna draw more out of your super and less out of hers to provide longevity and balance the two.","start":1434.3,"end":1444.295,"sentiment":"neutral","sentiment_score":0.12088764438198672},{"text":"This is essentially telling you you can meet your goal with this rate.","start":1444.915,"end":1448.4551,"sentiment":"positive","sentiment_score":0.5202509210659907},{"text":"However, because the return in retirement is lower, generally, around about that five to 6% return, you can absolutely get a higher returning retirement.","start":1448.995,"end":1457.32,"sentiment":"positive","sentiment_score":0.5751235807935396},{"text":"This is that we tend to project out of the more conservative rate of return for you that we expect based on this, your super to last until about age 79 to 80 during the full income.","start":1457.62,"end":1467.615,"sentiment":"positive","sentiment_score":0.4000660426713325}],"sentiment":"neutral","sentiment_score":0.3168681713938713,"num_words":200,"start":1410.045,"end":1467.615},{"sentences":[{"text":"If you were to pull that back a little bit and only draw out the 36,000 per annum, so 3,000 per month from your super and allow Lisa to draw the same from hers, your super actually lasts based on the projected outcome up to age 90.","start":1467.915,"end":1481.54,"sentiment":"neutral","sentiment_score":0.2739908584254853},{"text":"So you've got you've definitely met, yeah, you've definitely met your goal in this instance.","start":1482.16,"end":1486.8,"sentiment":"positive","sentiment_score":0.5047505189975102},{"text":"It just depends on how long super lasts and what kind of rate of return we can get there.","start":1486.8,"end":1491.285,"sentiment":"positive","sentiment_score":0.34713628103858546},{"text":"I didn't wanna add any further contributions from outside of salary sacrifice.","start":1491.8451,"end":1496.805,"sentiment":"neutral","sentiment_score":-0.031469170625011124},{"text":"I did consider and try to look at maybe making non concessional contributions in, but I also wanted to be really mindful that your expenditure's there as well.","start":1496.805,"end":1505.67,"sentiment":"neutral","sentiment_score":0.1295295682336603}],"sentiment":"neutral","sentiment_score":0.25036045730360285,"num_words":121,"start":1467.915,"end":1505.67},{"sentences":[{"text":"So you've also got renovations and other things that you wanna do.","start":1505.67,"end":1508.81,"sentiment":"neutral","sentiment_score":0.1852885161836942},{"text":"So that's why I've kinda limited it to salary sacrifice, but this is keeping you on track currently to be able to get you there.","start":1509.43,"end":1516.5701,"sentiment":"positive","sentiment_score":0.4051923766732216},{"text":"And then when we get closer to retirement, we'll just reevaluate the retirement aspect and really look at what we can do.","start":1516.63,"end":1522.895,"sentiment":"neutral","sentiment_score":0.08095864325084469},{"text":"There's other structures like annuities and things that we can look at that allow us to, shelter money.","start":1522.9551,"end":1528.9551,"sentiment":"neutral","sentiment_score":0.12984231569700772},{"text":"It's a nice way of saying we're hiding money from Centrelink, which can give you guys both access to getting the health care card.","start":1528.9551,"end":1535.1,"sentiment":"positive","sentiment_score":0.4432699382305145}],"sentiment":"neutral","sentiment_score":0.26841586101615783,"num_words":101,"start":1505.67,"end":1535.1},{"sentences":[{"text":"A little bit of Centrelink can provide longevity.","start":1535.1,"end":1537.28,"sentiment":"positive","sentiment_score":0.479737963527441},{"text":"And then I definitely wanna look at what both your balances are at the time of retirement so we can have a look at how best to structure the drawdowns, how it's gonna look for you guys to allow you both to draw down the income that you absolutely need, but also making sure you get longevity out of super.","start":1537.98,"end":1553.765,"sentiment":"neutral","sentiment_score":0.2438732422888279},{"text":"Because once we get to retirement, it's about keeping the super working, being able to draw income out.","start":1553.765,"end":1558.965,"sentiment":"neutral","sentiment_score":0.24318778266509375},{"text":"But then there's other things that we need take into account as well, looking at, you know, long term health care, whether aged care becomes a factor down the track there as well, and what that looks like for you.","start":1558.965,"end":1570.1,"sentiment":"neutral","sentiment_score":0.16361669283360242},{"text":"So this is so far keeping you on track to meet your goals and and get the best out of your super, and we'll keep reviewing that moving forward.","start":1570.1,"end":1578.085,"sentiment":"positive","sentiment_score":0.6804272851039623}],"sentiment":"neutral","sentiment_score":0.31693378912825737,"num_words":155,"start":1535.1,"end":1578.085},{"sentences":[{"text":"Does that make sense?","start":1578.085,"end":1578.885,"sentiment":"neutral","sentiment_score":0.30277806147933006},{"text":"And do you have any questions so far?","start":1578.885,"end":1580.825,"sentiment":"neutral","sentiment_score":0.11583749763667583},{"text":"Yep.","start":1582.645,"end":1582.965,"sentiment":"positive","sentiment_score":0.4146164059638977},{"text":"Beautiful.","start":1582.965,"end":1583.285,"sentiment":"positive","sentiment_score":0.583158552646637},{"text":"In the appendices, which is attached to it, you'll see the other retirement calculator, which shows you the difference in drawing down the 30,000 per annum as opposed to the 72 for you.","start":1583.285,"end":1593.4099,"sentiment":"neutral","sentiment_score":0.12077399918978865}],"sentiment":"neutral","sentiment_score":0.15151338635924014,"num_words":47,"start":1578.085,"end":1593.4099},{"sentences":[{"text":"Okay?","start":1593.4099,"end":1593.9099,"sentiment":"neutral","sentiment_score":0.08786410093307495},{"text":"Yep.","start":1594.7699,"end":1595.2699,"sentiment":"neutral","sentiment_score":0.22793683409690857},{"text":"Perfect.","start":1595.33,"end":1595.83,"sentiment":"positive","sentiment_score":0.47154808044433594},{"text":"And, look, we are still ten years out.","start":1596.13,"end":1597.73,"sentiment":"neutral","sentiment_score":0.142354235984385},{"text":"I still wanna review everything every year with you, reevaluate what's happening because the portfolio that is working now may not be required in the next couple of years or may need to alter or change.","start":1597.73,"end":1607.725,"sentiment":"neutral","sentiment_score":0.08844196289363834}],"sentiment":"neutral","sentiment_score":0.1087253950536251,"num_words":47,"start":1593.4099,"end":1607.725},{"sentences":[{"text":"So we definitely wanna review that.","start":1607.865,"end":1609.645,"sentiment":"neutral","sentiment_score":0.20918727666139603},{"text":"There's also opportunities where you might get pay increases.","start":1609.7051,"end":1612.285,"sentiment":"neutral","sentiment_score":0.15756274428632525},{"text":"We're hopefully looking to see changes to the the concessional cap as well.","start":1612.985,"end":1618.41,"sentiment":"neutral","sentiment_score":0.18415404970829302},{"text":"If the concessional cap increases, which is supposed to increase around about July there, we might be able to increase contributions in as well.","start":1618.55,"end":1625.91,"sentiment":"neutral","sentiment_score":0.20235206155727306},{"text":"So there's other things that we can definitely look at to keep you on track there.","start":1625.91,"end":1629.675,"sentiment":"neutral","sentiment_score":0.26036104187369347}],"sentiment":"neutral","sentiment_score":0.20719731106039355,"num_words":68,"start":1607.865,"end":1629.675},{"sentences":[{"text":"But as per the recommendations, this is where I see things going at the moment.","start":1629.755,"end":1633.535,"sentiment":"neutral","sentiment_score":0.09930837452411652},{"text":"Okay?","start":1633.8351,"end":1634.3351,"sentiment":"neutral","sentiment_score":0.11508188396692276},{"text":"Perfect.","start":1635.8351,"end":1636.3151,"sentiment":"positive","sentiment_score":0.6309094429016113},{"text":"Do you have any questions?","start":1636.3151,"end":1637.275,"sentiment":"neutral","sentiment_score":0.22487321496009827},{"text":"You're welcome to ask me some if you have if anything pops to mind.","start":1637.275,"end":1640.415,"sentiment":"neutral","sentiment_score":0.14476786367595196}],"sentiment":"neutral","sentiment_score":0.14963147530539167,"num_words":36,"start":1629.755,"end":1640.415},{"sentences":[{"text":"Not yet.","start":1647.0499,"end":1647.61,"sentiment":"neutral","sentiment_score":-0.07148666679859161},{"text":"I still have to prevent sorry.","start":1647.61,"end":1649.7699,"sentiment":"neutral","sentiment_score":-0.06339118629693985},{"text":"Present the advice to her.","start":1649.7699,"end":1650.8899,"sentiment":"neutral","sentiment_score":0.009845215082168578},{"text":"It is all ready to go.","start":1650.8899,"end":1652.2699,"sentiment":"neutral","sentiment_score":0.12389386879901092},{"text":"It's just that she had to reschedule the last appointment.","start":1652.57,"end":1654.9099,"sentiment":"neutral","sentiment_score":-0.04179363967850804}],"sentiment":"neutral","sentiment_score":-0.00512646758479291,"num_words":29,"start":1647.0499,"end":1654.9099},{"sentences":[{"text":"I believe her mom was unwell.","start":1655.37,"end":1657.1499,"sentiment":"neutral","sentiment_score":-0.20951782912015915},{"text":"And yeah.","start":1658.565,"end":1659.285,"sentiment":"neutral","sentiment_score":0.1065298430621624},{"text":"So we've got her booked in to present everything to her, and it's all ready to go.","start":1659.285,"end":1663.285,"sentiment":"neutral","sentiment_score":0.2835961799411213},{"text":"It's just a matter of making sure she's available for the time frame.","start":1663.285,"end":1666.165,"sentiment":"neutral","sentiment_score":0.10624246413891132},{"text":"But, honestly, it's okay.","start":1666.165,"end":1667.285,"sentiment":"neutral","sentiment_score":0.2000917699187994}],"sentiment":"neutral","sentiment_score":0.1418715924734161,"num_words":42,"start":1655.37,"end":1667.285},{"sentences":[{"text":"It won't be a problem.","start":1667.285,"end":1668.325,"sentiment":"neutral","sentiment_score":0.23444470167160034},{"text":"So yeah.","start":1668.325,"end":1669.385,"sentiment":"neutral","sentiment_score":0.18366144597530365},{"text":"Yep.","start":1669.605,"end":1670.105,"sentiment":"neutral","sentiment_score":0.1228417158126831},{"text":"K.","start":1671.09,"end":1671.59,"sentiment":"neutral","sentiment_score":0.04826242476701737},{"text":"Absolutely.","start":1672.6901,"end":1673.1901,"sentiment":"neutral","sentiment_score":0.02138279378414154}],"sentiment":"neutral","sentiment_score":0.1732033334672451,"num_words":10,"start":1667.285,"end":1673.1901},{"sentences":[{"text":"Yeah.","start":1675.01,"end":1675.49,"sentiment":"neutral","sentiment_score":0.06578151881694794},{"text":"Correct.","start":1675.49,"end":1675.99,"sentiment":"neutral","sentiment_score":0.07965736091136932},{"text":"So at the moment, your ongoing service is 1.65%.","start":1676.05,"end":1679.33,"sentiment":"neutral","sentiment_score":0.0325219188299444},{"text":"I have left it in there at that for the time being.","start":1679.33,"end":1682.145,"sentiment":"neutral","sentiment_score":0.016564486393084128},{"text":"But if Lisa comes on board, we'll obviously make sure yours is reduced back to 1.1 as well for you.","start":1682.385,"end":1688.225,"sentiment":"neutral","sentiment_score":0.06724442709237337}],"sentiment":"neutral","sentiment_score":0.046088337854937066,"num_words":43,"start":1675.01,"end":1688.225},{"sentences":[{"text":"Okay?","start":1688.225,"end":1688.7051,"sentiment":"neutral","sentiment_score":0.04601263254880905},{"text":"Yeah.","start":1688.7051,"end":1689.2051,"sentiment":"neutral","sentiment_score":0.06323781609535217},{"text":"Yeah.","start":1690.865,"end":1691.365,"sentiment":"neutral","sentiment_score":0.0953507125377655},{"text":"Absolutely.","start":1691.505,"end":1692.005,"sentiment":"neutral","sentiment_score":0.16579899191856384},{"text":"Absolutely.","start":1692.625,"end":1693.125,"sentiment":"neutral","sentiment_score":0.14424175024032593}],"sentiment":"neutral","sentiment_score":0.1029283806681633,"num_words":5,"start":1688.225,"end":1693.125},{"sentences":[{"text":"So there are advantages, obviously, to the strategy, making sure rebalancing the portfolio does keep you in line with your risk profile.","start":1694.145,"end":1701.2999,"sentiment":"neutral","sentiment_score":0.18629812347618016},{"text":"It is important that you're not overly taking on a lot of risk because markets are very volatile at the moment.","start":1701.6,"end":1706.24,"sentiment":"neutral","sentiment_score":-0.004784049909739267},{"text":"I have sort of been having a look.","start":1706.24,"end":1708.1799,"sentiment":"neutral","sentiment_score":0.018269697669893503},{"text":"One of the things I do look at, just to kinda give you some information as well, is the VIX index, which essentially looks at it's a US index, but it looks at essentially the volatility that is expected that we're sort of seeing at the moment.","start":1708.32,"end":1721.565,"sentiment":"neutral","sentiment_score":0.03863929963096025},{"text":"And when the VIX index is over 20%, it basically shows that we are expecting over the next thirty days quite a bit of volatility and movement within the S and P 500, and everything kinda follows suit with that.","start":1721.625,"end":1732.79,"sentiment":"neutral","sentiment_score":0.09846126101911068}],"sentiment":"neutral","sentiment_score":0.07173006357355179,"num_words":138,"start":1694.145,"end":1732.79},{"sentences":[{"text":"They always say one of the most elusive things we hear in this industry is everyone says US catches a cold and Australia follows suit, and it's actually quite true.","start":1732.79,"end":1741.265,"sentiment":"neutral","sentiment_score":-0.01504734456539154},{"text":"So what I like to follow the VIX index is sort of look at what the volatility is that we are expecting.","start":1741.405,"end":1746.065,"sentiment":"neutral","sentiment_score":0.26569989120418375},{"text":"And for the past week, it has been over 20%.","start":1746.125,"end":1749.105,"sentiment":"neutral","sentiment_score":0.2412128508090973},{"text":"It went upwards of twenty six percent one day and then dropped down to about 24%, but it has sort of stayed steadily over that 20%.","start":1749.165,"end":1756.34,"sentiment":"neutral","sentiment_score":0.17433688445733145},{"text":"So I do foresee for the next least month a bit of volatility out there.","start":1756.34,"end":1761.94,"sentiment":"neutral","sentiment_score":0.19960131347179413}],"sentiment":"neutral","sentiment_score":0.14886295607367767,"num_words":103,"start":1732.79,"end":1761.94},{"sentences":[{"text":"So we'll take advantage of the downtimes that we see and make sure that our portfolios are working harder for you.","start":1761.94,"end":1768.44,"sentiment":"neutral","sentiment_score":0.1848260299080894},{"text":"But retaining Hub twenty four was the best way.","start":1769.655,"end":1772.055,"sentiment":"neutral","sentiment_score":0.2647285560766856},{"text":"I wanted to minimize the CGT impact as much as possible.","start":1772.055,"end":1775.3351,"sentiment":"neutral","sentiment_score":0.2813157005743547},{"text":"So the retention of the fund was important.","start":1775.3351,"end":1777.435,"sentiment":"neutral","sentiment_score":0.29849030263721943},{"text":"It's also easier.","start":1777.5751,"end":1778.7151,"sentiment":"positive","sentiment_score":0.4486061632633209}],"sentiment":"neutral","sentiment_score":0.25177148557626283,"num_words":52,"start":1761.94,"end":1778.7151},{"sentences":[{"text":"Hub twenty four allows us options access to, like, 1,178 different investment options.","start":1778.855,"end":1784.615,"sentiment":"neutral","sentiment_score":0.29189423414377064},{"text":"So it does have access to make those changes.","start":1784.615,"end":1787.42,"sentiment":"neutral","sentiment_score":0.162810823155774},{"text":"Yeah.","start":1787.72,"end":1788.12,"sentiment":"neutral","sentiment_score":0.15363916754722595},{"text":"Absolutely.","start":1788.12,"end":1788.62,"sentiment":"positive","sentiment_score":0.34024253487586975},{"text":"And just altering those couple of investments and rebalancing keeps you, in line there.","start":1790.36,"end":1795.32,"sentiment":"neutral","sentiment_score":0.3030588190470423}],"sentiment":"neutral","sentiment_score":0.2630691479303335,"num_words":38,"start":1778.855,"end":1795.32},{"sentences":[{"text":"It is important to note that markets do go up and down, so there is always the risks involved with the fact that we are utilizing past performance.","start":1795.32,"end":1803.265,"sentiment":"neutral","sentiment_score":-0.0011383742094039917},{"text":"That's why I wanna review things with you regularly to make sure we're on track.","start":1803.265,"end":1807.125,"sentiment":"neutral","sentiment_score":0.1786388317743937},{"text":"I definitely don't expect that you're gonna get 17% every single year out of the portfolio, but we know some years, you might get 20%.","start":1807.265,"end":1814.81,"sentiment":"neutral","sentiment_score":-0.0918123447149992},{"text":"Other years, it might be 10%.","start":1814.81,"end":1816.25,"sentiment":"neutral","sentiment_score":-0.07538044204314549},{"text":"Other years, it might be 2% and a negative return here and there.","start":1816.25,"end":1819.45,"sentiment":"neutral","sentiment_score":-0.14269202374494994}],"sentiment":"neutral","sentiment_score":-0.022469880230639172,"num_words":87,"start":1795.32,"end":1819.45},{"sentences":[{"text":"But if our contributions are going in, we're reinvesting and compounding.","start":1819.45,"end":1823.23,"sentiment":"neutral","sentiment_score":0.15661067515611649},{"text":"We can take advantage of those downtimes.","start":1823.45,"end":1825.39,"sentiment":"neutral","sentiment_score":0.2618348215307508},{"text":"And, overall, we should see everything working harder.","start":1825.77,"end":1828.59,"sentiment":"positive","sentiment_score":0.4083384517580271},{"text":"And as I said, we'll review everything with you to make sure things are working.","start":1829.1749,"end":1832.5349,"sentiment":"positive","sentiment_score":0.33552160412073134},{"text":"And if we have to update the advice, which I definitely expect we will over the next couple of years, we'll just keep updating the advice for you.","start":1832.5349,"end":1839.815,"sentiment":"neutral","sentiment_score":0.19390733593276568}],"sentiment":"neutral","sentiment_score":0.2504999747742777,"num_words":69,"start":1819.45,"end":1839.815},{"sentences":[{"text":"That's all part of what I do.","start":1839.815,"end":1841.5149,"sentiment":"neutral","sentiment_score":0.17849425971508026},{"text":"Okay?","start":1841.575,"end":1842.075,"sentiment":"neutral","sentiment_score":0.12482408434152605},{"text":"Perfect.","start":1843.59,"end":1844.09,"sentiment":"positive","sentiment_score":0.611365020275116},{"text":"I will let you go through that.","start":1844.55,"end":1845.99,"sentiment":"positive","sentiment_score":0.37771379947662354},{"text":"Have a look at the advantages, disadvantages, the risks involved.","start":1845.99,"end":1849.05,"sentiment":"neutral","sentiment_score":0.06844639517366886}],"sentiment":"neutral","sentiment_score":0.20438882579597142,"num_words":26,"start":1839.815,"end":1849.05},{"sentences":[{"text":"Have a look at the the salary sacrifice component.","start":1849.51,"end":1853.21,"sentiment":"neutral","sentiment_score":0.09379099640581343},{"text":"Essentially, if you go forward with all of the advice, the way it will be implemented, we'll start by just completing the investment switch there for you so everything is moved and the investments are changed and the underlying for you.","start":1853.91,"end":1865.2151,"sentiment":"neutral","sentiment_score":0.24712593889817958},{"text":"We'll give you the salary sacrifice letter for you to hand to your employer.","start":1865.2151,"end":1869.0751,"sentiment":"neutral","sentiment_score":0.23408977474485124},{"text":"They'll start that salary sacrifice when you tell them to do so.","start":1869.135,"end":1872.39,"sentiment":"neutral","sentiment_score":0.25205855692426365},{"text":"I did consider making it as a deductible contribution, but I like the way a salary sacrifice because your employer does it for you.","start":1872.77,"end":1879.09,"sentiment":"positive","sentiment_score":0.5663845799863338}],"sentiment":"neutral","sentiment_score":0.3087147191166878,"num_words":100,"start":1849.51,"end":1879.09},{"sentences":[{"text":"So it takes the stress of you having to make that contribution on a regular basis away.","start":1879.09,"end":1884.39,"sentiment":"positive","sentiment_score":0.5872737291981193},{"text":"It's just automating the process and having someone else do it for you can make it a lot easier.","start":1884.575,"end":1889.155,"sentiment":"positive","sentiment_score":0.6396711719663519},{"text":"Yeah.","start":1891.9349,"end":1892.4349,"sentiment":"neutral","sentiment_score":0.14763301610946655},{"text":"Correct.","start":1892.655,"end":1893.155,"sentiment":"neutral","sentiment_score":0.16425275802612305},{"text":"Correct.","start":1893.295,"end":1893.795,"sentiment":"neutral","sentiment_score":0.1779877245426178}],"sentiment":"positive","sentiment_score":0.580186645189921,"num_words":39,"start":1879.09,"end":1893.795},{"sentences":[{"text":"The other thing is you are on a fairly high Wicked at the moment.","start":1893.855,"end":1897.535,"sentiment":"neutral","sentiment_score":-0.0039047878235578537},{"text":"So, you know, it does come out pretax, which means it can give you the benefit of reducing the income tax payable.","start":1897.535,"end":1903.65,"sentiment":"neutral","sentiment_score":0.16179724596440792},{"text":"And the tax and the contribution once put in the soup is only 15%, so you end up with more money invested.","start":1904.03,"end":1909.49,"sentiment":"neutral","sentiment_score":0.1993866545910185},{"text":"And as I kinda said, it's in best interest because starting that now has a greater compounding effect than if we start that in sort of seven or eight years' time.","start":1909.95,"end":1917.345,"sentiment":"neutral","sentiment_score":0.17998580490389177},{"text":"A 100 dollars compounding for ten years is much better than a $100 compounding for three years.","start":1917.345,"end":1922.9451,"sentiment":"neutral","sentiment_score":0.32314956188201904}],"sentiment":"neutral","sentiment_score":0.17891020081796735,"num_words":106,"start":1893.855,"end":1922.9451},{"sentences":[{"text":"So it's important that we take advantage of those now while we can, and it also provides a bit of a safety net for us as well.","start":1922.9451,"end":1930.03,"sentiment":"positive","sentiment_score":0.4761181760717321},{"text":"Okay?","start":1930.03,"end":1930.53,"sentiment":"neutral","sentiment_score":0.08262120187282562},{"text":"Yeah.","start":1932.11,"end":1932.61,"sentiment":"neutral","sentiment_score":0.0840565636754036},{"text":"Do you have any questions there for me in relation to any of that at all?","start":1932.91,"end":1936.85,"sentiment":"neutral","sentiment_score":0.10131510626524687},{"text":"Yep.","start":1939.87,"end":1940.37,"sentiment":"neutral","sentiment_score":0.07658874988555908}],"sentiment":"neutral","sentiment_score":0.31998910803509795,"num_words":46,"start":1922.9451,"end":1940.37},{"sentences":[{"text":"Yeah.","start":1940.99,"end":1941.49,"sentiment":"neutral","sentiment_score":0.11847791075706482},{"text":"Legend.","start":1942.755,"end":1943.235,"sentiment":"neutral","sentiment_score":0.2894512116909027},{"text":"Thank you so much for that.","start":1943.235,"end":1944.3551,"sentiment":"positive","sentiment_score":0.7990957498550415},{"text":"If you do wanna alter the salary sacrifice and match it all, on the last page, we do just have a text box where if there's any part of the advice you don't wish to proceed with, you just write a little note there as to what you don't wanna proceed with or any alterations you wanna make to the advice.","start":1944.3551,"end":1958.2019,"sentiment":"neutral","sentiment_score":0.06519005246094016},{"text":"If there's any issues and you have trouble doing that, just let me know.","start":1958.2019,"end":1961.6177,"sentiment":"neutral","sentiment_score":-0.050893722900322506}],"sentiment":"neutral","sentiment_score":0.10200704459145844,"num_words":83,"start":1940.99,"end":1961.6177},{"sentences":[{"text":"Email me, and I'm more than happy to make sure that's reflected for you.","start":1961.6177,"end":1965.0334,"sentiment":"positive","sentiment_score":0.3779039808682033},{"text":"But, yeah, I just wanted to go through this.","start":1965.0334,"end":1967.2294,"sentiment":"neutral","sentiment_score":0.3192443549633026},{"text":"I really enjoyed putting this together for you.","start":1967.2294,"end":1969.1812,"sentiment":"positive","sentiment_score":0.9007042124867439},{"text":"I had a lot of fun projecting things out and looking at all the different options.","start":1969.1812,"end":1973.085,"sentiment":"positive","sentiment_score":0.8267974629998207},{"text":"So I really appreciate your time.","start":1973.725,"end":1975.645,"sentiment":"positive","sentiment_score":0.7690190176169077}],"sentiment":"positive","sentiment_score":0.6266483422720207,"num_words":53,"start":1961.6177,"end":1975.645},{"sentences":[{"text":"And just if you find any questions come up from any of this, you're welcome to let me know at any point.","start":1975.645,"end":1980.765,"sentiment":"positive","sentiment_score":0.4233630814335563},{"text":"Okay?","start":1980.765,"end":1981.265,"sentiment":"neutral","sentiment_score":0.23115062713623047},{"text":"Easy.","start":1983.215,"end":1983.715,"sentiment":"positive","sentiment_score":0.5353092551231384},{"text":"Easy.","start":1983.9349,"end":1984.4349,"sentiment":"positive","sentiment_score":0.492796391248703},{"text":"Thank you.","start":1984.6549,"end":1985.475,"sentiment":"positive","sentiment_score":0.6958850920200348}],"sentiment":"positive","sentiment_score":0.4431486758920882,"num_words":27,"start":1975.645,"end":1985.475},{"sentences":[{"text":"No worries, Scott.","start":1986.4149,"end":1987.3749,"sentiment":"positive","sentiment_score":0.5568709075450897},{"text":"I hope you have a good day.","start":1987.3749,"end":1988.6549,"sentiment":"positive","sentiment_score":0.7647560920034137},{"text":"Thank you so much for your time.","start":1988.6549,"end":1990.2749,"sentiment":"positive","sentiment_score":0.8119668960571289},{"text":"Thanks.","start":1991.695,"end":1992.095,"sentiment":"positive","sentiment_score":0.5950687527656555},{"text":"See you later.","start":1992.095,"end":1992.7349,"sentiment":"positive","sentiment_score":0.5011838674545288}],"sentiment":"positive","sentiment_score":0.7050616187708718,"num_words":21,"start":1986.4149,"end":1992.7349},{"sentences":[{"text":"Bye.","start":1992.7349,"end":1993.2349,"sentiment":"neutral","sentiment_score":-0.10072240978479384}],"sentiment":"neutral","sentiment_score":-0.10072240978479384,"num_words":1,"start":1992.7349,"end":1993.2349}]}}]},{"alternatives":[{"transcript":"Hello? Scott speak Yes. How's it going? Not too bad. Yourself? Yep. It is. Yep. Pretty good. Yep. Scott White Andrews, then eleventh 70 5, And 12 Pudders Street, Penny Park. Either way, I have does it only just come through the yep. How long ago was it sent to me? Yep. Cool. You have to access emails. Yep. Yes. It has. Yep. Right. Yep. Nope. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Nope. No. I'm Waiting for one. We're waiting for an and he they're yeah. They're just dragging their feet with the EA and the company's crying poor with the state of the world. So yeah. And I've been yeah. I was hoping for one too. Yeah. Yep. Yep. Yep. Yep. No. Yep. Yep. Yep. Yep. Hello? Yep. Hello? Yep. Yep. Yep. Yep. Yep. You know, it's yeah. It's fine. Yeah. Yep. Yep. Yep. Yep. Looks a little bit better. Yeah. Yeah. It looks a looks a lot better than what it was. So Yep. Yep. Yep. Yep. Neutralized bed. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Excellent. That's it. Here you go. Yep. Yes. Yep. Yeah. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Because I have a good setup. Yep. Yep. Yep. That that does make sense. Yep. Yep. Yep. No. I'm pretty happy with with all that. Has Lisa actually fully like, are you managing hers now? Or yep. Yep. Yes. She yep. Yep. Cool. Excel dropped the fee down too, won't it? There's a couple's fees. Yes. Yep. Yep. That's fine. Yeah. Okay. That will make a bit of difference too. Yeah. False. Hold the moment. Yep. Yep. Yep. Yep. Yes. That's freedom. Yeah. Yeah. One. Yep. Yep. Yep. Yep. Yep. And I could drop the text a little too, so that'll be handy. Yep. Yep. Yeah. I'm pretty sure you've got everything. I'll have you read that document and just sign that and get that back to you. Yep. Hello? Okay. Will do. Okay. Thank you for your time. Okay. You too. 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Scott speak Yes. How's it going? Not too bad. Yourself?\n\nYep. It is. Yep. Pretty good. Yep.\n\nScott White Andrews, then eleventh 70 5, And 12 Pudders Street, Penny Park. Either way, I have does it only just come through the yep. How long ago was it sent to me? Yep. Cool.\n\nYou have to access emails. Yep. Yes. It has. Yep.\n\nRight. Yep. Nope. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Nope. No. I'm Waiting for one. We're waiting for an and he they're yeah.\n\nThey're just dragging their feet with the EA and the company's crying poor with the state of the world. So yeah. And I've been yeah. I was hoping for one too. Yeah.\n\nYep. Yep. Yep. Yep. No.\n\nYep. Yep. Yep. Yep. Hello?\n\nYep. Hello? Yep. Yep. Yep.\n\nYep. Yep. You know, it's yeah. It's fine. Yeah.\n\nYep. Yep. Yep. Yep. Looks a little bit better.\n\nYeah. Yeah. It looks a looks a lot better than what it was. So Yep. Yep.\n\nYep. Yep. Neutralized bed. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Excellent. 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Scott speak\n\nChannel 0: Hi. Good morning, Scott.\n\nChannel 1: Yes. How's it going?\n\nChannel 0: Hi. Sorry. It's Dana from OC Financial. How are you this morning?\n\nChannel 1: Not too bad. Yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in to run through your updated advice document. Is now still a good time there for you?\n\nChannel 1: Yep. It is.\n\nChannel 0: Yep. Fantastic. How's your morning been so far?\n\nChannel 1: Yep. Pretty good.\n\nChannel 0: Oh, that's good. Before we jump into the call list, Scott, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Lovely. And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file there\n\nChannel 1: Scott White Andrews,\n\nChannel 0: for\n\nChannel 1: then eleventh\n\nChannel 0: you.\n\nChannel 1: 70\n\nChannel 0: Yeah.\n\nChannel 1: 5, And 12\n\nChannel 0: Mhmm.\n\nChannel 1: Pudders Street, Penny Park.\n\nChannel 0: Beautiful. Thank you so much for that. Scott, I've got the email with the document in there. Are you able to access the emails at the moment, or did you want me just to run through the recommendations? What's your sort of preference there?\n\nChannel 1: Either way, I have does it only just come through the yep. How\n\nChannel 0: I'll\n\nChannel 1: long\n\nChannel 0: send\n\nChannel 1: ago was it sent to me?\n\nChannel 0: it. I'm just sending it now, so it should be\n\nChannel 1: Yep.\n\nChannel 0: on its\n\nChannel 1: Cool.\n\nChannel 0: way\n\nChannel 1: You have to\n\nChannel 0: to you.\n\nChannel 1: access emails.\n\nChannel 0: Yeah. Yep. Beautiful. Fantastic. There we go.\n\nIt says it's just being sent through thank thankfully, so that should come through fairly quickly there for you. It'll come through from OdooSign.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. How's that pop through to you there as of yet?\n\nChannel 1: Yes. It has.\n\nChannel 0: Yeah. Lovely. Perfect. So when you open the email there, you'll see the document. It does, I believe, have a little section that says sign.\n\nIf you click on that, it lets you go through, and you can see the first document, which is a statement of advice.\n\nChannel 1: Yep.\n\nChannel 0: I have also, if it's easier, attached it as an attachment so you can decide if not the attachment is easier for you as well. Okay?\n\nChannel 1: Right.\n\nChannel 0: On the first page there, you'll see statement of advice prepared for yourself as of yesterday's date, the 03/17/2026, prepared by myself and my lovely team here at Oakview Financial, and my representative number with ASIC is 1304394. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So now the purpose of this advice document, too, was to reassess your super, have a bit of a look at everything. You wanted to sort of make sure you were on track for you meeting your goals. Essentially, you were hoping to be able to access super in around about ten years at the age of 60 there.\n\nChannel 1: Nope.\n\nChannel 0: Drawing down, we did speak about drawing down a regular income on a yearly basis of about 72,000 per annum, which is 6,000 per month. The other sort of conversation I've had in the past with Lisa was that you were also looking at drawing down 3,000 per month each out of your super. So I've kind of looked at both scenarios there for you, looked at what we need to do to be able to keep you on track towards meeting that goal, and updated the advice document to reflect that for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We've scoped into a limited extent here the insurance side of things. So because insurances are paid out of your super, it does have an overall effect on your retirement figure as well. So, also,\n\nChannel 1: Yep.\n\nChannel 0: not making any recommendations to alter those. It is important they are reflective of the advice document. Documents. And because you are still technically ten years away from retirement, there is still time for things to change and alter. This is what we're looking at now.\n\nHowever, we do need to review things on a regular basis moving forward and possibly alter the advice as we get closer to accessing super as well. When you get really close to those years, about a year or two out from being able to access super, we'll be able to really hone in on the retirement planning aspect and look at the draw downs in a bit more detail. Retirement planning has been scoped in just to a limited extent now to kinda show you the outcome expected or the effect of the advice recommendations based on the current circumstances, but this is to be reflective and altered moving down the track as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We've scoped out areas. This is on page number six for you. So areas of debt management and the estate planning. So you do have your beneficiaries in place. You had available in power of return.\n\nYou were happy with how all of that was structured. So we're not\n\nChannel 1: Yep.\n\nChannel 0: looking to alter any of those at the moment, but we can definitely, sorry, review those down the track for you. We've also got down here that you one of your other goals, you are looking at doing some renovations there at the moment, and you also had sold off investment property, which is fantastic. So there's been a few changes there. We'll scope out areas of cash flow and debt management for you. We can definitely help them provide additional advice in the future if that's an area you would like to seek advice on as well.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now the next page there on page number seven is just letting you know this is a limited advice document. We do scope in and out areas that we are and are not providing advice on. If there's any additional advice down the track you wanted to seek outside of these areas, we can absolutely look to help you. If we can't, we can certainly refer you one.\n\nAs financial advisers, we're not solicitors, so we don't draft wills and power of attorneys and things like that for you. We can, however, refer you to a solicitor if you would need the services of one to review your will and power of attorneys.\n\nChannel 1: Yep.\n\nChannel 0: When it comes to the insurance side of things, we do look at personal insurances, the life, t to d, income protection, trauma, certain business types of cover as well. However, other types of cover are outside of our scope. So home, motor, certain types of business insurances as well, and home and contents there. So they're all general insurances. We don't, as financial advisers, provide advice on those sorts of areas.\n\nHowever, we can refer you to a insurance broker if you did need those services. And\n\nChannel 1: Yep.\n\nChannel 0: under the Better Advice Act 2021, I'm a relevant tax provider, so that means that I can provide financial advice on tax and tax related issues and areas. However, we're not accountants, so we don't do your accounting for you. Can we can refer you to an accountant if you like those services. Little bit of an inside joke. I do like to think that we're a little bit more fun.\n\nFinancial advisers help you to minimize tax in the front end of things, whereas accounts tell you how much tax you have to pay after the fact. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The next page is sort of the about you section. So it just sort of went through all the information that we had on you based on our last conversation there. Have you had any major changes in your circumstances since we last spoke? I know you have sold the property, so you do have a bit more money in the offset there. But would any of these circumstances have changed at all?\n\nChannel 1: Nope.\n\nChannel 0: Nope. That's a pity. Hoping you would've got a pay rise in there somewhere. Not\n\nChannel 1: No.\n\nChannel 0: yet.\n\nChannel 1: I'm Waiting for one. We're waiting for an and he they're yeah. They're just dragging their feet with the EA and the company's crying poor with the state\n\nChannel 0: Yeah.\n\nChannel 1: of the world. So yeah. And I've been\n\nChannel 0: No.\n\nChannel 1: yeah. I was hoping\n\nChannel 0: No. Hopefully.\n\nChannel 1: for one too.\n\nChannel 0: Yeah. Hopefully, you get one very soon.\n\nChannel 1: Yeah.\n\nChannel 0: The next page says outline your assets and liabilities there. We had this updated as the girls checked everything when they booked you in the other day.\n\nChannel 1: Yep.\n\nChannel 0: So that should be all reflected there. If there are any major changes that you want updated, we can absolutely do that for you. None of this has a large effect on the advice as a whole at the moment. But if there is anything that you wanted to have updated or changed, you're welcome to let me know, and I can make sure the back end is reflective of that for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Underneath that, you'll see you've got your hub twenty four super account with the current balance in there for you. We've also got your insurances noted there. It's important\n\nChannel 1: Yep.\n\nChannel 0: that we do make note of the insurance cover you do have as it is paid out of your super funds. The next couple of pages kinda outline the risk profile and where you had scored and what you were comfortable in, but we'll kinda go this in a bit more detail below with the recommendations\n\nChannel 1: Yep.\n\nChannel 0: there. Okay? To make things a little bit easier, if I can get you to scroll down for me just to page number. Sorry. No.\n\nNumber 20. This is essentially looking at other recommendations as a whole. I'll go through the recommendations with you as per everything on this page. The there are other pages higher and below that have a bit more detail\n\nChannel 1: No.\n\nChannel 0: around the recommendations that are the best interest due to your advantages, business advantages, and risks involved. I'll kinda go through those with you in a bit of detail there, but you're welcome to go back and have a really good read of those as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So with this one here, you'll see you've got your current scenario there at the moment. So you've got your current super fund with your current balance there.\n\nChannel 1: Yep.\n\nChannel 0: You are paying administration fees, investment fees, and any other fees applicable to the fund. Your ongoing service fees for us as your advisers and looking after everything and your current contributions based on the current income that you've got, and you've also got your insurance premiums noted there as well. With the current portfolio, you are in a growth portfolio. We did talk about what that means and look at your risk profile initially. You are still comfortable remaining in that environment there, but we wanted to look at your super and make sure it was being maximized as much as possible working towards your retirement goals there.\n\nSo what I am essentially recommending is I did have a look at all the super funds out there. It is important I review those sorts of things as part of the research. Hub\n\nChannel 1: Yep.\n\nChannel 0: 24 is still reflective of your goals. It's a great platform. It still gives you access to everything you need. It's not had any major changes that really require us to make any alterations to the platform itself at the moment. And if we happen to were to move you to another super fund in any way, shape, or form, it does mean selling down your entire portfolio, which can have a greater capital gains impact on your super fund.\n\nSo I'm recommending we retain hub twenty four at the moment. Again, you'll see your your administration fees don't change by the retention of the platform itself. However, your investment fees do change. I did have a look at the investments in the growth portfolio there. We had noted, and I believe we spoke last time, that Bennelong had been underperforming a bit.\n\nSo I have made a recommendation to remove Bennelong solely out of your portfolio, and\n\nChannel 1: Yep.\n\nChannel 0: we're gonna replace that with the BetaShares a 200. A little bit higher on page 18, you'll see the changes that I am making to your portfolio there. So we are gonna move Benelon out. It just replaces the underperforming fund with the a 200. The a 200 is more of a passively managed fund.\n\nIt is still tracking the top 200 companies in Australia, and it's still it's actually really good as a a a fund because it's one of the highest paying dividend income\n\nChannel 1: Hello?\n\nChannel 0: investments there. So I actually love the a 200. It pays really good high quality dividends, and dividends are really important to be paid out of your portfolio because they go back into your cash account and help with the compounding effect moving forward there as well. By replacing the Banda Long Australian Equities investment with your a 200, you're still getting access and exposure to the Australian shares, and that's important to make sure you're still got that quality of investment and for diversification long term there.\n\nChannel 1: Yep.\n\nChannel 0: Being as more passively managed, it actually does reduce your investment fees quite significantly. So\n\nChannel 1: Hello?\n\nChannel 0: when we look at the portfolio, other changes that we are making, it's also just about rebalancing things there a bit, is that we are also removing the bank hybrids at the top there. So bank hybrids down the track are actually gonna be phased out. So whilst we are making changes to your portfolio now, making all these changes now provide means it has more time to sort of compound moving forward and take effect. So we'll be removing all the bank hybrids there, removing the agriculture, the global agriculture. We are keeping physical gold by just selling some of it down, so rebalancing your portfolio back.\n\nPhysical gold\n\nChannel 1: Yep.\n\nChannel 0: has done really well, so it is good to rebalance things back to keep you invested in line with your risk profile so it's not overexposing you. But it's also about cementing some of those gains that it has made as well. So we cement those gains. We reinvest them into the portfolio, and then those gains can continue to grow in other areas for you as well. Alright?\n\nChannel 1: Yep.\n\nChannel 0: We've got the beta share secure cybersecurity there. We are still retaining about 5% of that. Just doing a bit of a rebalance there and also rebalancing a bit more money into the S and P 500. I know I I've spoken to a few people recently that have had a little bit of concern about investing in The US. There is nothing wrong with that.\n\nOne of the good things about the S and P 500 is that it tracks the S and P 500 index. And, essentially, the investment committee that set up the index, they essentially meet every quarter, and they check to see if the companies within the index still actually are able to be in this, make make sure they meet the criteria to remain within the index. If they don't, they actually get removed and something else gets put in its place. The S and P 500 index can encompass anywhere from 500 to 520 old companies. So you are always invested in the top 500 companies in The US, and that is ever evolving and changing depending what what companies meet the criteria to remain in the index there.\n\nSo being in the S and P 500 and having access to those does keep you in high quality investments within The US. We do know that investments are gonna go up and down, and there is a little bit of unsure and, you know, unsure in the market with regard to The US, but the same thing with Australia there. So it is still good to be in that. Take advantage of the ups and downs that we are gonna see. And when when we do see those down times, just remember, we're putting our contributions in.\n\nWe're buying into those discounted times, and it will help us as we come out and, you know, compound our growth forward. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. We've got, again, sorry, we've got some more BetaShares 200, so that one is being completely sold there. We're getting rid of all of the Benelon Australia equities. We're also removing the ClearBridge Rare Infrastructure Income Fund, and we'll be investing into the iShares Europe, a bit of Japanese equities there as well.\n\nThe Vanguard or World excluding The US, so this one here gives you access to the entire globe except for The US. So it's giving you access to well established markets but also emerging markets there to provide diversification. Japan has seen some really good growth over the last year as well, and it's also important to be invested into Europe. There's a lot of uncertainty around there, but instead of just picking one or two different markets to choose from and hoping we get the right ones, investing in all of those tends to provide a greater level of return over the longer term. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. If if you need more clarity on things, please stop me and ask Scott Scott. Just\n\nChannel 1: You know,\n\nChannel 0: let\n\nChannel 1: it's\n\nChannel 0: me know.\n\nChannel 1: yeah. It's fine. Yeah.\n\nChannel 0: Beautiful. Underneath that, we have the beta shares Aussie 200 there, so that's the one we are replacing. With Benelon, it's giving you access to the top 200 companies on the ASX. It is a good place to be, and we'll see 20% invested there. Again,\n\nChannel 1: Yep.\n\nChannel 0: with the Aussie 200, the same as the S and P, essentially, you are tracking the top 200 companies in Australia, and that can change depending on what companies are eligible to to be in that in that index, essentially. So you are always investing, and it is always changing. So you do remain invested in the top 200 companies, which is a benefit for you. And then making sure we have defensive assets as well. So it's about having a lot of growth.\n\nYou wanna get growth out of your portfolio and see it working harder, but it's also about having some defensive investments. So we have the core composite bonds there that is giving\n\nChannel 1: Yep.\n\nChannel 0: you access to both government and corporate bonds. Bonds tend to get a lower rate of return, but they're great for income producing. It's important to have some of those lower risk investments with what we have sort of seen in the markets at the moment with equities going a bit up and down. Gold has been performing nicely. Silver's had a bit of a a go at it.\n\nIt was down yesterday, unfortunately. But\n\nChannel 1: Yep.\n\nChannel 0: fixed interest in bonds and things have also seen an increase over the last couple of weeks as well. So we do tend to find history shows that when equities might not be performing quite well, having some alternatives like gold and or silver and some defensive investments like fixed interest and bonds do tend to help provide us with a greater level of return when equities don't perform as well. So that's all part of diversifying your portfolio, spreading a risk risk level over not only different countries and asset classes, but also over growth and defensive investment areas as\n\nChannel 1: Yep.\n\nChannel 0: well. Does that make sense? Yeah. So sort of\n\nChannel 1: Looks\n\nChannel 0: just\n\nChannel 1: a little\n\nChannel 0: scrolling\n\nChannel 1: bit better.\n\nChannel 0: back\n\nChannel 1: Yeah.\n\nChannel 0: down to yeah. Sorry. You're right?\n\nChannel 1: Yeah. It looks a looks a lot better than what it was. So\n\nChannel 0: Yeah. Absolutely. So just going back down to that fees comparison table there, you'll note that with the investment fees under the recommended there, it's actually reducing those. So by\n\nChannel 1: Yep.\n\nChannel 0: moving some of those investments around rebalancing things and moving you into a more passive environment with your post with your portfolio, you're staying within that growth environment there, which is generally seeing 80% growth investments, 20% defensive there. You're still remaining within that sort of after allocation rebalancing things. And this sort of shows that we can save for the first year here, we're expected to save about 2,123 on investment fees. So that is more money that remains in your portfolio, working harder and compounding forward. Okay?\n\nChannel 1: Yep.\n\nChannel 0: It's important. You'll note at the very top of that table, there is a difference of $4.07 $7.01. So in order to\n\nChannel 1: Yep.\n\nChannel 0: make the changes, we are cementing some of the capital gains as well as cementing some of the losses. The $4,007.71 is the CGT effect. So you've got a very higher balance. Smaller changes make a bigger effect to your portfolio. So when we are\n\nChannel 1: Yep.\n\nChannel 0: making changes, we understand your super fund is gonna have tax consequences. Not many people are aware, but your super fund still does a tax return every year, the same as you do with your personal tax returns. So they, account for capital gains and losses. They also look at income tax, and your super fund does a tax return every year for you as well. So we do understand and estimate with regards to the research there to make these changes in your portfolio.\n\nWe do see a capital gains effect there of 4,771. However, when we look at the difference in the fees, by saving investment fees, we could actually make that without any growth in the portfolio, essentially, two years, and we can make that CDT\n\nChannel 1: Neutralized\n\nChannel 0: back or a\n\nChannel 1: bed.\n\nChannel 0: little over\n\nChannel 1: Yep.\n\nChannel 0: two years. Yeah. And that is made back. So it's cementing those gains and losses and altering the portfolio works to your benefit. We're cementing the the gains and losses and having the CGT effect, but we're also long term saving in investment fees, which has a greater effect moving forward for you.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. There's no change to our ongoing service fee that is currently capped at the balance of 600,000. Yours is well over that. So the most you pay is 9,900 there.\n\nWith\n\nChannel 1: Yep.\n\nChannel 0: the contributions, you'll see there is a difference. So I did have a look at, obviously, the projecting board and looking at what we need to do, and I have made a recommendation to start salary sacrificing. I am\n\nChannel 1: Yep.\n\nChannel 0: making a recommendation to salary sacrifice a $150 on a weekly basis. It is completely up to you as to whether you're comfortable taking this aboard and starting this high. You can always look to, you know, start lower and we kind of increase and change it over time. It's fine. But when I kind of projected forward and looked at everything based on the current recommendations, Also, you are everything is working really well with your current income.\n\nIt is performing nicely, and we do expect a greater balance. Starting to salary sacrifice now provides a greater long term benefit than if we had to start it down the track. You'll see with starting the salary sacrifice a $150 on a weekly basis, and so if you're adding to your employer contributions, and you're almost at\n\nChannel 1: Yep.\n\nChannel 0: the cap, we were limited on how much we could put in because your income is quite high. The max you can put in on a weekly basis at the moment is just over a $177. I've kinda kept that below the cap for you to give you that space to account for any discrepancies. It's important\n\nChannel 1: Yep.\n\nChannel 0: we review that moving forward for you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: When we look at, obviously, the changes in the portfolio, the savings with the investment fee, the increase of the salary sacrifice there for you, and the changes to the portfolio. So the portfolio where there was technically moving you into has shown and we're utilizing your three year rolling average because, unfortunately, the bank hybrids that you were in doesn't give us a five year performance history.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, the newer the three year rolling average in the portfolio we're moving you into has shown greater greater past returns. So if the markets work the way we want them to the way they have in the past, then we can project a greater return moving forward for you. And I've looked at sort of the next six years with this projection table. So if everything works with the updated projections, we could see in the next six years, you end up with about 1,500,000.0. Okay.\n\nChannel 1: Yep. Excellent.\n\nChannel 0: Perfect.\n\nChannel 1: That's it.\n\nChannel 0: With the way this works, obviously, projections are just projections, and it does depend on how the markets react\n\nChannel 1: Here\n\nChannel 0: in the\n\nChannel 1: you\n\nChannel 0: future,\n\nChannel 1: go.\n\nChannel 0: and that's why I kinda wanted to increase the salary sacrifice as well. It kind of also gives us a bit of a shortfall if investments aren't working really well. And we know with the growth portfolio, we expect negative returns at least one in every five years. So\n\nChannel 1: Yep.\n\nChannel 0: it is really important that we are kind of planning for that and having a bit of a safe haven. I would not wanna be projecting for it over the next ten years and then in the, say, seven years ago, oh, hey. We're probably not gonna get there. We actually need to maybe start salary sacrificing now. That's not gonna give us as much of an effect as if it does now.\n\nSo starting now and kind of aiming for where we need to be, knowing there could be a discrepancy because markets react differently and no one can predict exactly how they're gonna react, and that just sort of gives us a bit of something to fall back on. The reason I've only projected out six years in this is that with the growth portfolio, we're generally lucky to be in this, and it sorta has a time horizon of six years. So moving\n\nChannel 1: Yes.\n\nChannel 0: forward, when you're about four years away from retirement, when you get to that six year marker, we're gonna wanna start reducing the risk level. It becomes\n\nChannel 1: Yep.\n\nChannel 0: less about growth in those last couple of years towards retirement and more about protection of your capital. So\n\nChannel 1: Yeah.\n\nChannel 0: we're trying to get a bit more growth now in this portfolio that's two to six year time horizon. But when we get that close, you'll probably start to find you're very more risk averse. We're looking to pull back on the risk levels, and it's more about protecting the capital that you've been able to grow. With your balance this high, when I have a look on your current income and your current employer contributions over the next ten years, just based on current employer contributions, that's over $200,000. So you realistically could actually get your balance up to this high.\n\nI hope in the next six years as as we're projecting, but at least in the next ten years, we should be able to get close to this. And being at this point, actually, is very close to me to your goal.\n\nChannel 1: Yep.\n\nChannel 0: When I sort of projected for based on what you wanted to draw down, if you can get to 1,500,000.0 there and be able to draw down, we can see at drawing down about $72,000 on a yearly basis. And because in retirement, you're not gonna be getting the kind of growth that you are now, We project that retirement income with only a 5% rate of return. We'd like to be more conservative in retirement because you're not gonna be taking a lot of risk in retirement.\n\nChannel 1: Yep.\n\nChannel 0: So you're only sorta expecting to average around about five to 6% returns when you're in those retirement years and drawing down income. But down on page number 26 there, if we can kinda get it up, drawing down an income of about 72,000, it doesn't quite get you to the age of 90 at the moment, but, essentially, with a 5% return, drawing down 72,000 on a yearly basis just from your super does see us. Super lasts until about age 79 to 80, give or take. This is not including anything else like any other investments. It's not including lease or superannuation.\n\nIt's not including Centrelink. And when we get closer to retirement, I wanna look at whether you've got access to Centrelink, whether Centrelink's gonna be a way for you, what other options we have, and structures we have to try to benefit you and get you a little bit of Centrelink just so you can kind\n\nChannel 1: Yep.\n\nChannel 0: of have the health care card and provide more longevity out of super, and, also, just making sure that we can also incorporate what Lee Lisa's super looks like for you so we can\n\nChannel 1: Yeah.\n\nChannel 0: maybe adjust the drawdowns. Because if you have a higher balance of 1,500,000.0 and hers is quite up there, we're gonna wanna draw more out of your super and less out of hers to provide longevity and balance the two.\n\nChannel 1: Yep.\n\nChannel 0: This is essentially telling you you can meet your goal with this rate. However, because the return in retirement is lower, generally, around about that five to 6% return, you can absolutely get a higher returning retirement. This is that we tend to project out of the more conservative rate of return for you that we expect based on this, your super to last until about age 79 to 80 during the full income. If you were\n\nChannel 1: Yep.\n\nChannel 0: to pull that back a little bit and only draw out the 36,000 per annum, so 3,000 per month from your super and allow Lisa to draw the same from hers, your super actually lasts based on the projected outcome up to age 90. So\n\nChannel 1: Yep.\n\nChannel 0: you've\n\nChannel 1: Because\n\nChannel 0: got\n\nChannel 1: I have a\n\nChannel 0: you've\n\nChannel 1: good setup.\n\nChannel 0: definitely\n\nChannel 1: Yep.\n\nChannel 0: met, yeah, you've definitely met your goal in this instance. It just depends on how long super lasts and what kind of rate of return we can get there. I didn't wanna add any further contributions from outside of salary sacrifice. I did consider and try to look at maybe making non concessional contributions in, but I also wanted to be really mindful that your expenditure's there as well. So you've also got renovations and other things that you wanna do.\n\nChannel 1: Yep.\n\nChannel 0: So that's why I've kinda limited it to salary sacrifice, but this is keeping you on track currently to be able to get you there. And then when we get closer to retirement, we'll just reevaluate the retirement aspect and really look at what we can do. There's other structures like annuities and things that we can look at that allow us to, shelter money. It's a nice way of saying we're hiding money from Centrelink, which\n\nChannel 1: Yep.\n\nChannel 0: can give you guys both access to getting the health care card. A little bit of Centrelink can provide longevity. And then I definitely wanna look at what both your balances are at the time of retirement so we can have a look at how best to structure the drawdowns, how it's gonna look for you guys to allow you both to draw down the income that you absolutely need, but also making sure you get longevity out of super. Because once we get to retirement, it's about keeping the super working, being able to draw income out. But then there's other things that we need take into account as well, looking at, you know, long term health care, whether aged care becomes a factor down the track there as well, and what that looks like for you.\n\nSo this is so far keeping you on track to meet your goals and and get the best out of your super, and we'll keep reviewing that moving forward. Does that make sense? And do you have any questions so far?\n\nChannel 1: That that does make sense.\n\nChannel 0: Yep. Beautiful. In the appendices, which is attached to it, you'll see the other retirement calculator, which shows you the difference in drawing down the 30,000 per annum as opposed to the 72 for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And, look, we are still ten years out. I still wanna review everything every year with you, reevaluate what's happening because the portfolio that is working now may not be required in the next couple of years or may need to alter or change. So we definitely wanna review that.\n\nThere's also opportunities where you might get pay increases. We're hopefully looking to see changes to the the concessional cap as well. If the concessional cap increases, which is supposed to increase around about July there, we might be able to increase contributions in as well. So there's\n\nChannel 1: Yep.\n\nChannel 0: other things that we can definitely look at to keep you on track there. But as per the recommendations, this is where I see things going at the moment. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Do you have any questions? You're welcome to ask me some if you have if anything pops\n\nChannel 1: No.\n\nChannel 0: to mind.\n\nChannel 1: I'm pretty happy with with all that. Has Lisa actually fully like, are you managing hers now? Or\n\nChannel 0: Not yet. I still have to prevent sorry. Present the advice to her. It is all ready\n\nChannel 1: yep.\n\nChannel 0: to\n\nChannel 1: Yep.\n\nChannel 0: go. It's just that she had to reschedule the last appointment. I believe her mom was unwell.\n\nChannel 1: Yes. She yep.\n\nChannel 0: And yeah. So we've got her booked in to present everything to her, and it's all ready to go. It's just a matter of making sure she's available for the time frame. But, honestly, it's okay. It won't be a problem.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: Cool.\n\nChannel 0: Yep.\n\nChannel 1: Excel dropped\n\nChannel 0: K.\n\nChannel 1: the fee down too, won't it? There's a couple's\n\nChannel 0: Absolutely.\n\nChannel 1: fees. Yes. Yep.\n\nChannel 0: Yeah. Correct. So at the moment,\n\nChannel 1: Yep.\n\nChannel 0: your ongoing service is 1.65%. I have left it in there at that for\n\nChannel 1: That's\n\nChannel 0: the time being.\n\nChannel 1: fine.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: if Lisa comes on board, we'll obviously make sure yours is reduced back to 1.1 as well for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: That will make a bit of difference too. Yeah.\n\nChannel 0: Yeah. Absolutely. Absolutely. So there are advantages, obviously, to the strategy, making sure rebalancing the portfolio does keep you in line with your risk profile. It is important that you're not overly taking on a lot of risk because markets are very volatile at the\n\nChannel 1: False.\n\nChannel 0: moment.\n\nChannel 1: Hold\n\nChannel 0: I have\n\nChannel 1: the moment.\n\nChannel 0: sort of\n\nChannel 1: Yep.\n\nChannel 0: been having a look. One of the things I do look at, just to kinda give you some information as well, is the VIX index, which essentially looks at it's a US index, but it looks at essentially the volatility that is expected that we're sort of seeing at the moment. And when the VIX index is over 20%, it basically shows that we are expecting over the next thirty days quite a bit of volatility and movement within the S and P 500, and everything kinda follows suit with that. They always say one of the most elusive things we hear in this industry is everyone says US catches a cold and Australia follows suit, and it's actually quite true. So what\n\nChannel 1: Yep.\n\nChannel 0: I like to follow the VIX index is sort of look at what the volatility is that we are expecting. And for the past week, it has been over 20%. It went upwards of twenty six percent one day and then dropped down to about 24%, but it has sort of stayed steadily over that 20%. So I do foresee for the next least month a bit of volatility out there. So we'll take advantage\n\nChannel 1: Yep.\n\nChannel 0: of the downtimes that we see and make sure that our portfolios are working harder for you. But retaining Hub twenty four was the best way. I wanted to minimize the CGT impact as much as\n\nChannel 1: Yep.\n\nChannel 0: possible. So the retention of the fund was important. It's also easier. Hub twenty four allows us options access to, like, 1,178 different investment options. So it\n\nChannel 1: Yes.\n\nChannel 0: does\n\nChannel 1: That's\n\nChannel 0: have\n\nChannel 1: freedom.\n\nChannel 0: access to make those\n\nChannel 1: Yeah.\n\nChannel 0: changes. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. And just altering those couple of investments and rebalancing keeps you, in line there. It is important to note that markets do go up and down, so there is always the risks involved with the fact that we are utilizing past performance. That's why I wanna review things with you regularly to make sure we're on track. I definitely don't expect that you're gonna get 17% every single year out of the\n\nChannel 1: One.\n\nChannel 0: portfolio,\n\nChannel 1: Yep.\n\nChannel 0: but we know some years, you might get 20%. Other years, it might be 10%. Other years, it might be 2% and a negative return here and there. But if our contributions are going in, we're reinvesting and compounding. We can take advantage of those downtimes.\n\nAnd, overall, we should see everything working harder. And as I said, we'll review everything with you to make sure things are working. And if we have to update the advice, which I definitely expect we will over the next couple of years, we'll just keep updating the advice for you. That's all part of what I do. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I will let you go through that. Have a look at the advantages, disadvantages, the risks involved. Have a look at the the salary sacrifice component. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: if you go forward with all of the advice, the way it will be implemented, we'll start by just completing the investment switch there for you so everything is moved and the investments are changed and the underlying for you. We'll give you the salary sacrifice letter for you to hand to your employer. They'll start that salary sacrifice when you tell them to do so. I\n\nChannel 1: Yep.\n\nChannel 0: did consider making it as a deductible contribution, but I like the way a salary sacrifice because your employer does it for you. So it takes the stress of you having to make that contribution on a regular basis away. It's just\n\nChannel 1: Yep.\n\nChannel 0: automating the process and having someone else do it for you can make it a lot easier.\n\nChannel 1: And I could drop the text a little too, so that'll be handy.\n\nChannel 0: Yeah. Correct. Correct. The other thing is you are on a fairly high Wicked at the moment. So, you know, it does come out pretax, which means it can give you the benefit of reducing the income tax payable.\n\nAnd the tax and the contribution once put in the soup is only 15%, so you end up with more money invested. And as I kinda said, it's in best interest because starting that now has a greater compounding effect than if we start that in sort of seven or eight years' time. A 100\n\nChannel 1: Yep.\n\nChannel 0: dollars compounding for ten years is much better than a $100 compounding for three years. So it's important that we take advantage of those now while we can, and it also provides a bit of a safety net for us as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Yeah. Do you have any questions there for me in relation to any of that at all?\n\nChannel 1: Yeah. I'm pretty sure you've got everything. I'll have you read that document\n\nChannel 0: Yep.\n\nChannel 1: and just sign that\n\nChannel 0: Yeah.\n\nChannel 1: and get that back to you.\n\nChannel 0: Legend. Thank you so much for that. If you do wanna alter the salary sacrifice and match it all, on the last page, we do just have a text box where if there's any part of the advice you don't wish to proceed with, you just write a little note there as to what you don't wanna proceed with or any alterations you wanna make to the advice. If there's any issues and you have trouble doing that, just let me know. Email me, and I'm more than happy to make sure that's reflected for you.\n\nBut, yeah, I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to go through this. I really enjoyed putting this together for you. I had a lot of fun projecting things out and looking at all the different options.\n\nChannel 1: Hello?\n\nChannel 0: So I really appreciate your time. And just if you find any questions come up from any of this, you're welcome to let me know at any point. Okay?\n\nChannel 1: Okay. Will do.\n\nChannel 0: Easy. Easy.\n\nChannel 1: Okay.\n\nChannel 0: Thank\n\nChannel 1: Thank\n\nChannel 0: you.\n\nChannel 1: you for your time.\n\nChannel 0: No worries, Scott. I hope you have a good day. Thank you so much for your time.\n\nChannel 1: Okay. You too. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.01964651048183441},{"text":"Scott speak","start":0.96,"end":4.42,"sentiment":"neutral","sentiment_score":0.020708804950118065}],"sentiment":"neutral","sentiment_score":0.020354706794023514,"channel":1,"num_words":3,"start":0.48,"end":4.42},{"sentences":[{"text":"Hi.","start":5.92,"end":6.16,"sentiment":"neutral","sentiment_score":0.1547594964504242},{"text":"Good morning, Scott.","start":6.16,"end":7.22,"sentiment":"positive","sentiment_score":0.4031621515750885}],"sentiment":"positive","sentiment_score":0.3410614877939224,"channel":0,"num_words":4,"start":5.92,"end":7.22},{"sentences":[{"text":"Yes.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.4129887521266937},{"text":"How's it 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bad.","start":12.799999,"end":13.44,"sentiment":"neutral","sentiment_score":0.22821536660194397},{"text":"Yourself?","start":13.44,"end":13.94,"sentiment":"neutral","sentiment_score":0.18340587615966797}],"sentiment":"neutral","sentiment_score":0.21701299399137497,"channel":1,"num_words":4,"start":12.799999,"end":13.94},{"sentences":[{"text":"I'm very well.","start":14.225,"end":15.1050005,"sentiment":"positive","sentiment_score":0.5973422129948934},{"text":"Thank you.","start":15.1050005,"end":15.505,"sentiment":"positive","sentiment_score":0.7090380489826202},{"text":"I had you booked in to run through your updated advice document.","start":15.505,"end":18.385,"sentiment":"neutral","sentiment_score":0.31917567551136017},{"text":"Is now still a good time there for you?","start":18.385,"end":20.485,"sentiment":"neutral","sentiment_score":0.2823662559191386}],"sentiment":"positive","sentiment_score":0.3685195056291727,"channel":0,"num_words":26,"start":14.225,"end":20.485},{"sentences":[{"text":"Yep.","start":20.675,"end":20.914999,"sentiment":"neutral","sentiment_score":0.15309064090251925},{"text":"It is.","start":20.914999,"end":21.654999,"sentiment":"neutral","sentiment_score":0.2088511362671852}],"sentiment":"neutral","sentiment_score":0.19026430447896323,"channel":1,"num_words":3,"start":20.675,"end":21.654999},{"sentences":[{"text":"Yep.","start":21.905,"end":22.385,"sentiment":"neutral","sentiment_score":0.25243082642555237},{"text":"Fantastic.","start":22.385,"end":22.885,"sentiment":"positive","sentiment_score":0.6529843807220459},{"text":"How's your morning been so far?","start":23.105,"end":24.965,"sentiment":"positive","sentiment_score":0.3577074408531189}],"sentiment":"positive","sentiment_score":0.38145748153328896,"channel":0,"num_words":8,"start":21.905,"end":24.965},{"sentences":[{"text":"Yep.","start":24.994999,"end":25.395,"sentiment":"neutral","sentiment_score":0.24949543178081512},{"text":"Pretty good.","start":25.395,"end":26.215,"sentiment":"positive","sentiment_score":0.4999428242444992}],"sentiment":"positive","sentiment_score":0.41646036008993786,"channel":1,"num_words":3,"start":24.994999,"end":26.215},{"sentences":[{"text":"Oh, that's good.","start":26.800001,"end":27.68,"sentiment":"positive","sentiment_score":0.43026458223660785},{"text":"Before we jump into the call list, Scott, just to let you know, we do record our calls for quality and training purposes.","start":27.68,"end":32.0,"sentiment":"neutral","sentiment_score":0.09969816583654155},{"text":"Are you happy for me to proceed with that?","start":32.0,"end":33.940002,"sentiment":"neutral","sentiment_score":0.16318217251035902}],"sentiment":"neutral","sentiment_score":0.14435688895838603,"channel":0,"num_words":35,"start":26.800001,"end":33.940002},{"sentences":[{"text":"Yep.","start":34.12,"end":34.62,"sentiment":"neutral","sentiment_score":0.15622729063034058}],"sentiment":"neutral","sentiment_score":0.15622729063034058,"channel":1,"num_words":1,"start":34.12,"end":34.62},{"sentences":[{"text":"Lovely.","start":35.36,"end":35.760002,"sentiment":"positive","sentiment_score":0.3355717062950134},{"text":"And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file there","start":35.760002,"end":41.175,"sentiment":"neutral","sentiment_score":0.14912082751592}],"sentiment":"neutral","sentiment_score":0.1557797874723162,"channel":0,"num_words":28,"start":35.36,"end":41.175},{"sentences":[{"text":"Scott White Andrews,","start":42.365,"end":43.265,"sentiment":"neutral","sentiment_score":0.11381236463785172}],"sentiment":"neutral","sentiment_score":0.11381236463785172,"channel":1,"num_words":3,"start":42.365,"end":43.265},{"sentences":[{"text":"for","start":43.254997,"end":43.754997,"sentiment":"neutral","sentiment_score":0.11422360688447952}],"sentiment":"neutral","sentiment_score":0.11422360688447952,"channel":0,"num_words":1,"start":43.254997,"end":43.754997},{"sentences":[{"text":"then eleventh","start":43.325,"end":44.045,"sentiment":"neutral","sentiment_score":0.10869064554572105}],"sentiment":"neutral","sentiment_score":0.10869064554572105,"channel":1,"num_words":2,"start":43.325,"end":44.045},{"sentences":[{"text":"you.","start":43.895,"end":44.055,"sentiment":"neutral","sentiment_score":0.07952111959457397}],"sentiment":"neutral","sentiment_score":0.07952111959457397,"channel":0,"num_words":1,"start":43.895,"end":44.055},{"sentences":[{"text":"70","start":44.045,"end":44.525,"sentiment":"neutral","sentiment_score":0.011448448523879051}],"sentiment":"neutral","sentiment_score":0.011448448523879051,"channel":1,"num_words":1,"start":44.045,"end":44.525},{"sentences":[{"text":"Yeah.","start":44.055,"end":44.555,"sentiment":"neutral","sentiment_score":0.017698222771286964}],"sentiment":"neutral","sentiment_score":0.017698222771286964,"channel":0,"num_words":1,"start":44.055,"end":44.555},{"sentences":[{"text":"5, And 12","start":44.525,"end":45.645,"sentiment":"neutral","sentiment_score":0.010303458819786707}],"sentiment":"neutral","sentiment_score":0.010303458819786707,"channel":1,"num_words":3,"start":44.525,"end":45.645},{"sentences":[{"text":"Mhmm.","start":45.575,"end":46.075,"sentiment":"neutral","sentiment_score":0.017016811296343803}],"sentiment":"neutral","sentiment_score":0.017016811296343803,"channel":0,"num_words":1,"start":45.575,"end":46.075},{"sentences":[{"text":"Pudders Street, Penny Park.","start":45.645,"end":47.025,"sentiment":"neutral","sentiment_score":0.038189748767763376}],"sentiment":"neutral","sentiment_score":0.038189748767763376,"channel":1,"num_words":4,"start":45.645,"end":47.025},{"sentences":[{"text":"Beautiful.","start":47.415,"end":47.915,"sentiment":"positive","sentiment_score":0.467138797044754},{"text":"Thank you so much for that.","start":47.975,"end":49.594997,"sentiment":"positive","sentiment_score":0.6190744737784067},{"text":"Scott, I've got the email with the document in there.","start":50.215,"end":52.454998,"sentiment":"neutral","sentiment_score":0.15112737193703651},{"text":"Are you able to access the emails at the moment, or did you want me just to run through the recommendations?","start":52.454998,"end":56.760002,"sentiment":"neutral","sentiment_score":0.05471652826028211},{"text":"What's your sort of preference there?","start":56.98,"end":58.760002,"sentiment":"neutral","sentiment_score":-0.003841668755436937}],"sentiment":"neutral","sentiment_score":0.15497401000042868,"channel":0,"num_words":44,"start":47.415,"end":58.760002},{"sentences":[{"text":"Either way, I have does it only just come through the yep.","start":59.99,"end":63.29,"sentiment":"neutral","sentiment_score":-0.002483160817064345},{"text":"How","start":64.87,"end":65.11,"sentiment":"neutral","sentiment_score":-0.0017738230526447296}],"sentiment":"neutral","sentiment_score":-0.0024285963736474514,"channel":1,"num_words":13,"start":59.99,"end":65.11},{"sentences":[{"text":"I'll","start":65.06,"end":65.22,"sentiment":"neutral","sentiment_score":0.006282541900873184}],"sentiment":"neutral","sentiment_score":0.006282541900873184,"channel":0,"num_words":1,"start":65.06,"end":65.22},{"sentences":[{"text":"long","start":65.11,"end":65.270004,"sentiment":"neutral","sentiment_score":-0.0009481925517320632}],"sentiment":"neutral","sentiment_score":-0.0009481925517320632,"channel":1,"num_words":1,"start":65.11,"end":65.270004},{"sentences":[{"text":"send","start":65.22,"end":65.72,"sentiment":"neutral","sentiment_score":0.0047085825353860855}],"sentiment":"neutral","sentiment_score":0.0047085825353860855,"channel":0,"num_words":1,"start":65.22,"end":65.72},{"sentences":[{"text":"ago was it sent to me?","start":65.270004,"end":66.57,"sentiment":"neutral","sentiment_score":0.011957349255681038}],"sentiment":"neutral","sentiment_score":0.011957349255681038,"channel":1,"num_words":6,"start":65.270004,"end":66.57},{"sentences":[{"text":"it.","start":66.705,"end":66.865,"sentiment":"neutral","sentiment_score":0.02026195265352726},{"text":"I'm just sending it now, so it should be","start":66.865,"end":68.785,"sentiment":"neutral","sentiment_score":0.07079758764141136}],"sentiment":"neutral","sentiment_score":0.06574402414262295,"channel":0,"num_words":10,"start":66.705,"end":68.785},{"sentences":[{"text":"Yep.","start":68.715004,"end":68.955,"sentiment":"neutral","sentiment_score":0.07652043551206589}],"sentiment":"neutral","sentiment_score":0.07652043551206589,"channel":1,"num_words":1,"start":68.715004,"end":68.955},{"sentences":[{"text":"on 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well.","start":482.9,"end":488.5,"sentiment":"neutral","sentiment_score":0.3266303678011072},{"text":"Okay?","start":488.5,"end":489.0,"sentiment":"neutral","sentiment_score":0.15993449091911316}],"sentiment":"neutral","sentiment_score":0.23486794325265478,"channel":0,"num_words":47,"start":478.02,"end":489.0},{"sentences":[{"text":"Yep.","start":489.565,"end":490.065,"sentiment":"neutral","sentiment_score":0.283431738615036}],"sentiment":"neutral","sentiment_score":0.283431738615036,"channel":1,"num_words":1,"start":489.565,"end":490.065},{"sentences":[{"text":"Perfect.","start":490.435,"end":490.935,"sentiment":"positive","sentiment_score":0.45112764835357666},{"text":"So with this one here, you'll see you've got your current scenario there at the moment.","start":491.875,"end":495.39502,"sentiment":"neutral","sentiment_score":0.2166435420513153},{"text":"So you've got your current super fund with your current balance there.","start":495.39502,"end":498.435,"sentiment":"neutral","sentiment_score":0.11179703349868457}],"sentiment":"neutral","sentiment_score":0.18134443872961506,"channel":0,"num_words":29,"start":490.435,"end":498.435},{"sentences":[{"text":"Yep.","start":498.31,"end":498.81,"sentiment":"neutral","sentiment_score":0.09667134284973145}],"sentiment":"neutral","sentiment_score":0.09667134284973145,"channel":1,"num_words":1,"start":498.31,"end":498.81},{"sentences":[{"text":"You are paying administration fees, investment fees, and any other fees applicable to the fund.","start":498.435,"end":503.095,"sentiment":"neutral","sentiment_score":0.09576401660839716},{"text":"Your ongoing service fees for us as your advisers and looking after everything and your current contributions based on the current income that you've got, and you've also got your insurance premiums noted there as well.","start":503.18,"end":513.76,"sentiment":"neutral","sentiment_score":0.16498427093029022},{"text":"With the current portfolio, you are in a growth portfolio.","start":514.22003,"end":516.855,"sentiment":"neutral","sentiment_score":0.11346144825220109},{"text":"We did talk about what that means and look at your risk profile initially.","start":516.855,"end":520.295,"sentiment":"neutral","sentiment_score":0.09348805647875581},{"text":"You are still comfortable remaining in that environment there, but we wanted to look at your super and make sure it was being maximized as much as possible working towards your retirement goals there.","start":520.295,"end":530.075,"sentiment":"neutral","sentiment_score":0.22949210379053564}],"sentiment":"neutral","sentiment_score":0.16167039270384595,"channel":0,"num_words":109,"start":498.435,"end":530.075},{"sentences":[{"text":"So what I am essentially recommending is I did have a look at all the super funds out there.","start":530.1,"end":534.25995,"sentiment":"neutral","sentiment_score":0.20665928643000753},{"text":"It is important I review those sorts of things as part of the research.","start":534.25995,"end":537.31995,"sentiment":"neutral","sentiment_score":0.19829983583518437},{"text":"Hub","start":537.69995,"end":538.01996,"sentiment":"positive","sentiment_score":0.44921278953552246}],"sentiment":"neutral","sentiment_score":0.21035108627641902,"channel":0,"num_words":34,"start":530.1,"end":538.01996},{"sentences":[{"text":"Yep.","start":537.89996,"end":538.39996,"sentiment":"positive","sentiment_score":0.40193891525268555}],"sentiment":"positive","sentiment_score":0.40193891525268555,"channel":1,"num_words":1,"start":537.89996,"end":538.39996},{"sentences":[{"text":"24 is still reflective of your goals.","start":538.01996,"end":540.83997,"sentiment":"positive","sentiment_score":0.5850579994065421},{"text":"It's a great platform.","start":540.89996,"end":541.94,"sentiment":"positive","sentiment_score":0.6952585205435753},{"text":"It still gives you access to everything you need.","start":541.94,"end":544.44,"sentiment":"positive","sentiment_score":0.582398490773307},{"text":"It's not had any major changes that really require us to make any alterations to the platform itself at the moment.","start":544.615,"end":550.875,"sentiment":"neutral","sentiment_score":0.1050533556512424},{"text":"And if we happen to were to move you to another super fund in any way, shape, or form, it does mean selling down your entire portfolio, which can have a greater capital gains impact on your super fund.","start":551.41504,"end":561.68,"sentiment":"neutral","sentiment_score":-0.11399637181789447}],"sentiment":"neutral","sentiment_score":0.12347860578447581,"channel":0,"num_words":80,"start":538.01996,"end":561.68},{"sentences":[{"text":"So I'm recommending we retain hub twenty four at the moment.","start":561.68,"end":565.38,"sentiment":"neutral","sentiment_score":-0.001736195757985115},{"text":"Again, you'll see your your administration fees don't change by the retention of the platform itself.","start":565.92,"end":571.04,"sentiment":"neutral","sentiment_score":-0.027898190237465315},{"text":"However, your investment fees do change.","start":571.04,"end":573.38,"sentiment":"neutral","sentiment_score":-0.06009407962361971},{"text":"I did have a look at the investments in the growth portfolio there.","start":573.915,"end":577.535,"sentiment":"neutral","sentiment_score":-0.01828654934293949},{"text":"We had noted, and I believe we spoke last time, that Bennelong had been underperforming a bit.","start":577.835,"end":582.555,"sentiment":"neutral","sentiment_score":-0.14280498772859573}],"sentiment":"neutral","sentiment_score":-0.05541973980513239,"channel":0,"num_words":63,"start":561.68,"end":582.555},{"sentences":[{"text":"So I have made a recommendation to remove Bennelong solely out of your portfolio, and","start":582.555,"end":587.5,"sentiment":"neutral","sentiment_score":-0.1663583720723788}],"sentiment":"neutral","sentiment_score":-0.1663583720723788,"channel":0,"num_words":15,"start":582.555,"end":587.5},{"sentences":[{"text":"Yep.","start":587.44,"end":587.94,"sentiment":"neutral","sentiment_score":-0.027035046368837357}],"sentiment":"neutral","sentiment_score":-0.027035046368837357,"channel":1,"num_words":1,"start":587.44,"end":587.94},{"sentences":[{"text":"we're gonna replace that with the BetaShares a 200.","start":587.5,"end":590.8,"sentiment":"neutral","sentiment_score":-0.019295596077831254},{"text":"A little bit higher on page 18, you'll see the changes that I am making to your portfolio there.","start":591.66,"end":597.36,"sentiment":"neutral","sentiment_score":0.005047883544313281},{"text":"So we are gonna move Benelon out.","start":597.74,"end":599.57996,"sentiment":"neutral","sentiment_score":0.012209266424179077},{"text":"It just replaces the underperforming fund with the a 200.","start":599.57996,"end":603.23505,"sentiment":"neutral","sentiment_score":-0.019911706261336804},{"text":"The a 200 is more of a passively managed fund.","start":603.23505,"end":606.43506,"sentiment":"neutral","sentiment_score":0.16344432309269905}],"sentiment":"neutral","sentiment_score":0.02623709919862449,"channel":0,"num_words":55,"start":587.5,"end":606.43506},{"sentences":[{"text":"It is still tracking the top 200 companies in Australia, and it's still it's actually really good as a a a fund because it's one of the highest paying dividend 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well.","start":621.18,"end":630.795,"sentiment":"positive","sentiment_score":0.6454458134739023},{"text":"By replacing the Banda Long Australian Equities investment with your a 200, you're still getting access and exposure to the Australian shares, and that's important to make sure you're still got that quality of investment and for diversification long term there.","start":631.915,"end":645.93,"sentiment":"positive","sentiment_score":0.39495779864671754}],"sentiment":"positive","sentiment_score":0.5072040791538629,"channel":0,"num_words":88,"start":618.77997,"end":645.93},{"sentences":[{"text":"Yep.","start":646.67,"end":647.17,"sentiment":"neutral","sentiment_score":0.2680245637893677}],"sentiment":"neutral","sentiment_score":0.2680245637893677,"channel":1,"num_words":1,"start":646.67,"end":647.17},{"sentences":[{"text":"Being as more passively managed, it actually does reduce your investment fees quite significantly.","start":646.73,"end":652.75,"sentiment":"positive","sentiment_score":0.46023294436080114},{"text":"So","start":653.85,"end":654.01,"sentiment":"neutral","sentiment_score":0.17508776485919952}],"sentiment":"positive","sentiment_score":0.44122326572736104,"channel":0,"num_words":15,"start":646.73,"end":654.01},{"sentences":[{"text":"Hello?","start":653.985,"end":654.485,"sentiment":"neutral","sentiment_score":0.11950936913490295}],"sentiment":"neutral","sentiment_score":0.11950936913490295,"channel":1,"num_words":1,"start":653.985,"end":654.485},{"sentences":[{"text":"when we look at the portfolio, other changes that we are making, it's also just about rebalancing things there a bit, is that we are also removing the bank hybrids at the top there.","start":654.01,"end":662.51495,"sentiment":"neutral","sentiment_score":0.11372662499985274},{"text":"So bank hybrids down the track are actually gonna be phased out.","start":662.51495,"end":665.63495,"sentiment":"negative","sentiment_score":-0.3361278350154559},{"text":"So whilst we are making changes to your portfolio now, making all these changes now provide means it has more time to sort of compound moving forward and take effect.","start":665.63495,"end":674.37,"sentiment":"neutral","sentiment_score":0.029572848230600357},{"text":"So we'll be removing all the bank hybrids there, removing the agriculture, the global agriculture.","start":674.77,"end":679.35,"sentiment":"neutral","sentiment_score":-0.08601109186808269},{"text":"We are keeping physical gold by just selling some of it down, so rebalancing your portfolio back.","start":680.37,"end":685.51,"sentiment":"neutral","sentiment_score":0.20218604014200323}],"sentiment":"neutral","sentiment_score":0.026549564640003222,"channel":0,"num_words":108,"start":654.01,"end":685.51},{"sentences":[{"text":"Physical gold","start":685.73,"end":686.52997,"sentiment":"positive","sentiment_score":0.3546881526708603}],"sentiment":"positive","sentiment_score":0.3546881526708603,"channel":0,"num_words":2,"start":685.73,"end":686.52997},{"sentences":[{"text":"Yep.","start":686.235,"end":686.735,"sentiment":"positive","sentiment_score":0.5461200475692749}],"sentiment":"positive","sentiment_score":0.5461200475692749,"channel":1,"num_words":1,"start":686.235,"end":686.735},{"sentences":[{"text":"has done really well, so it is good to rebalance things back to keep you invested in line with your risk profile so it's not overexposing you.","start":686.52997,"end":693.79504,"sentiment":"positive","sentiment_score":0.6097317257965053},{"text":"But it's also about cementing some of those gains that it has made as well.","start":693.79504,"end":697.23505,"sentiment":"positive","sentiment_score":0.6153763353824615},{"text":"So we cement those gains.","start":697.23505,"end":699.155,"sentiment":"positive","sentiment_score":0.6259712815284729},{"text":"We reinvest them into the portfolio, and then those gains can continue to grow in other areas for you as well.","start":699.155,"end":705.33,"sentiment":"positive","sentiment_score":0.6732366652715773},{"text":"Alright?","start":705.33,"end":705.83,"sentiment":"neutral","sentiment_score":0.25201231241226196}],"sentiment":"positive","sentiment_score":0.6262788451884104,"channel":0,"num_words":69,"start":686.52997,"end":705.83},{"sentences":[{"text":"Yep.","start":706.635,"end":707.135,"sentiment":"neutral","sentiment_score":0.3184390664100647}],"sentiment":"neutral","sentiment_score":0.3184390664100647,"channel":1,"num_words":1,"start":706.635,"end":707.135},{"sentences":[{"text":"We've got the beta share secure cybersecurity there.","start":707.33,"end":710.05,"sentiment":"positive","sentiment_score":0.3851775750517845},{"text":"We are still retaining about 5% of that.","start":710.05,"end":712.05,"sentiment":"positive","sentiment_score":0.34223077073693275},{"text":"Just doing a bit of a rebalance there and also rebalancing a bit more money into the S and P 500.","start":712.05,"end":717.43,"sentiment":"neutral","sentiment_score":0.23206481479463123},{"text":"I know I I've spoken to a few people recently that have had a little bit of concern about investing in The US.","start":717.815,"end":722.935,"sentiment":"neutral","sentiment_score":-0.0031757662477700606},{"text":"There is nothing wrong with that.","start":722.935,"end":724.475,"sentiment":"neutral","sentiment_score":0.09348118429382642}],"sentiment":"neutral","sentiment_score":0.16940109634941275,"channel":0,"num_words":66,"start":707.33,"end":724.475},{"sentences":[{"text":"One of the good things about the S and P 500 is that it tracks the S and P 500 index.","start":724.775,"end":730.32,"sentiment":"positive","sentiment_score":0.38225227168628145},{"text":"And, essentially, the investment committee that set up the index, they essentially meet every quarter, and they check to see if the companies within the index still actually are able to be in this, make make sure they meet the criteria to remain within the index.","start":730.4,"end":744.225,"sentiment":"neutral","sentiment_score":0.2268827674181565},{"text":"If they don't, they actually get removed and something else gets put in its place.","start":744.46497,"end":748.245,"sentiment":"neutral","sentiment_score":0.1328071966767311},{"text":"The S and P 500 index can encompass anywhere from 500 to 520 old companies.","start":748.865,"end":754.225,"sentiment":"neutral","sentiment_score":0.16153040230274202},{"text":"So you are always invested in the top 500 companies in The US, and that is ever evolving and changing depending what what companies meet the criteria to remain in the index there.","start":754.225,"end":764.45,"sentiment":"neutral","sentiment_score":0.2563305359446641}],"sentiment":"neutral","sentiment_score":0.24106058982702402,"channel":0,"num_words":130,"start":724.775,"end":764.45},{"sentences":[{"text":"So being in the S and P 500 and having access to those does keep you in high quality investments within The US.","start":764.45,"end":771.91003,"sentiment":"positive","sentiment_score":0.5531477260848751},{"text":"We do know that investments are gonna go up and down, and there is a little bit of unsure and, you know, unsure in the market with regard to The US, but the same thing with Australia there.","start":772.39496,"end":781.195,"sentiment":"neutral","sentiment_score":-0.028622021408457505},{"text":"So it is still good to be in that.","start":781.195,"end":782.795,"sentiment":"positive","sentiment_score":0.38325394358899856},{"text":"Take advantage of the ups and downs that we are gonna see.","start":782.795,"end":785.61,"sentiment":"neutral","sentiment_score":0.28879666700959206},{"text":"And when when we do see those down times, just remember, we're putting our contributions in.","start":785.85,"end":789.93,"sentiment":"neutral","sentiment_score":0.0990335971582681}],"sentiment":"neutral","sentiment_score":0.20545044834060328,"channel":0,"num_words":98,"start":764.45,"end":789.93},{"sentences":[{"text":"We're buying into those discounted times, and it will help us as we come out and, you know, compound our growth forward.","start":789.93,"end":797.14996,"sentiment":"neutral","sentiment_score":0.3193967565894127},{"text":"Does that make sense?","start":797.20996,"end":798.26996,"sentiment":"neutral","sentiment_score":0.1079893708229065}],"sentiment":"neutral","sentiment_score":0.2868725433945656,"channel":0,"num_words":26,"start":789.93,"end":798.26996},{"sentences":[{"text":"Yep.","start":797.835,"end":798.335,"sentiment":"neutral","sentiment_score":0.0765383243560791},{"text":"Yep.","start":798.715,"end":799.215,"sentiment":"neutral","sentiment_score":0.07731043547391891}],"sentiment":"neutral","sentiment_score":0.07692437991499901,"channel":1,"num_words":2,"start":797.835,"end":799.215},{"sentences":[{"text":"Yep.","start":799.36505,"end":799.68506,"sentiment":"neutral","sentiment_score":0.15798315405845642},{"text":"Perfect.","start":799.68506,"end":800.18506,"sentiment":"positive","sentiment_score":0.44665393233299255},{"text":"We've got, again, sorry, we've got some more BetaShares 200, so that one is being completely sold 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diversification.","start":827.445,"end":833.065,"sentiment":"neutral","sentiment_score":0.2540379359441645},{"text":"Japan has seen some really good growth over the last year as well, and it's also important to be invested into Europe.","start":834.245,"end":839.625,"sentiment":"neutral","sentiment_score":0.28835449570959265},{"text":"There's a lot of uncertainty around there, but instead of just picking one or two different markets to choose from and hoping we get the right ones, investing in all of those tends to provide a greater level of return over the longer term.","start":839.64,"end":851.0,"sentiment":"neutral","sentiment_score":0.20417997241020203},{"text":"Does that make 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know,","start":858.755,"end":859.075,"sentiment":"neutral","sentiment_score":0.018033289350569248}],"sentiment":"neutral","sentiment_score":0.018033289350569248,"channel":1,"num_words":2,"start":858.755,"end":859.075},{"sentences":[{"text":"let","start":858.975,"end":859.215,"sentiment":"neutral","sentiment_score":0.013340692967176436}],"sentiment":"neutral","sentiment_score":0.013340692967176436,"channel":0,"num_words":1,"start":858.975,"end":859.215},{"sentences":[{"text":"it's","start":859.075,"end":859.315,"sentiment":"neutral","sentiment_score":0.021735671907663345}],"sentiment":"neutral","sentiment_score":0.021735671907663345,"channel":1,"num_words":1,"start":859.075,"end":859.315},{"sentences":[{"text":"me know.","start":859.215,"end":859.795,"sentiment":"neutral","sentiment_score":0.036922069266438484}],"sentiment":"neutral","sentiment_score":0.036922069266438484,"channel":0,"num_words":2,"start":859.215,"end":859.795},{"sentences":[{"text":"yeah.","start":859.395,"end":859.555,"sentiment":"neutral","sentiment_score":0.1007729321718216},{"text":"It's fine.","start":859.555,"end":860.195,"sentiment":"neutral","sentiment_score":0.13023845851421356},{"text":"Yeah.","start":860.195,"end":860.64,"sentiment":"neutral","sentiment_score":0.182917058467865}],"sentiment":"neutral","sentiment_score":0.13604172691702843,"channel":1,"num_words":4,"start":859.395,"end":860.64},{"sentences":[{"text":"Beautiful.","start":861.215,"end":861.715,"sentiment":"positive","sentiment_score":0.4033530354499817},{"text":"Underneath that, we have the beta shares Aussie 200 there, so that's the one we are 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income.","start":1133.7051,"end":1142.12,"sentiment":"neutral","sentiment_score":0.25406221420105013}],"sentiment":"neutral","sentiment_score":0.15842525095124788,"channel":0,"num_words":79,"start":1119.0399,"end":1142.12},{"sentences":[{"text":"It is performing nicely, and we do expect a greater balance.","start":1142.34,"end":1145.06,"sentiment":"positive","sentiment_score":0.6414067961952903},{"text":"Starting to salary sacrifice now provides a greater long term benefit than if we had to start it down the track.","start":1145.06,"end":1150.755,"sentiment":"positive","sentiment_score":0.5122346636794862},{"text":"You'll see with starting the salary sacrifice a $150 on a weekly basis, and so if you're adding to your employer contributions, and you're almost 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on.","start":1265.9199,"end":1279.285,"sentiment":"neutral","sentiment_score":-0.1583192084605495},{"text":"The reason I've only projected out six years in this is that with the growth portfolio, we're generally lucky to be in this, and it sorta has a time horizon of six years.","start":1279.665,"end":1290.4601,"sentiment":"neutral","sentiment_score":-0.020492559919754665},{"text":"So moving","start":1290.68,"end":1291.48,"sentiment":"neutral","sentiment_score":0.039011431857943535}],"sentiment":"neutral","sentiment_score":-0.09876570626195655,"channel":0,"num_words":83,"start":1265.9199,"end":1291.48},{"sentences":[{"text":"Yes.","start":1291.085,"end":1291.585,"sentiment":"neutral","sentiment_score":0.06392359733581543}],"sentiment":"neutral","sentiment_score":0.06392359733581543,"channel":1,"num_words":1,"start":1291.085,"end":1291.585},{"sentences":[{"text":"forward, when you're about four years away from retirement, when you get to that six year marker, we're gonna wanna start 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to pull back on the risk levels, and it's more about protecting the capital that you've been able to grow.","start":1314.0499,"end":1319.2699,"sentiment":"neutral","sentiment_score":0.11481590907682072},{"text":"With your balance this high, when I have a look on your current income and your current employer contributions over the next ten years, just based on current employer contributions, that's over $200,000.","start":1319.8099,"end":1331.965,"sentiment":"neutral","sentiment_score":0.20938920681223724},{"text":"So you realistically could actually get your balance up to this high.","start":1331.965,"end":1335.985,"sentiment":"positive","sentiment_score":0.42356552680333454}],"sentiment":"neutral","sentiment_score":0.06517260718871565,"channel":0,"num_words":102,"start":1305.225,"end":1335.985},{"sentences":[{"text":"I hope in the next six years as as we're projecting, but at least in the next ten years, we should be able to get close to 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look at that allow us to, shelter money.","start":1522.9551,"end":1528.9551,"sentiment":"neutral","sentiment_score":0.12984231569700772},{"text":"It's a nice way of saying we're hiding money from Centrelink, which","start":1528.9551,"end":1532.22,"sentiment":"positive","sentiment_score":0.4487124706308047}],"sentiment":"neutral","sentiment_score":0.2549689727073366,"channel":0,"num_words":77,"start":1509.43,"end":1532.22},{"sentences":[{"text":"Yep.","start":1532.18,"end":1532.68,"sentiment":"positive","sentiment_score":0.48155543208122253}],"sentiment":"positive","sentiment_score":0.48155543208122253,"channel":1,"num_words":1,"start":1532.18,"end":1532.68},{"sentences":[{"text":"can give you guys both access to getting the health care card.","start":1532.22,"end":1535.1,"sentiment":"positive","sentiment_score":0.43782740583022434},{"text":"A little bit of Centrelink can provide 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you.","start":1558.965,"end":1570.1,"sentiment":"neutral","sentiment_score":0.16361669283360242}],"sentiment":"neutral","sentiment_score":0.25105996316541795,"channel":0,"num_words":138,"start":1532.22,"end":1570.1},{"sentences":[{"text":"So this is so far keeping you on track to meet your goals and and get the best out of your super, and we'll keep reviewing that moving forward.","start":1570.1,"end":1578.085,"sentiment":"positive","sentiment_score":0.6804272851039623},{"text":"Does that make sense?","start":1578.085,"end":1578.885,"sentiment":"neutral","sentiment_score":0.30277806147933006},{"text":"And do you have any questions so far?","start":1578.885,"end":1580.825,"sentiment":"neutral","sentiment_score":0.11583749763667583}],"sentiment":"positive","sentiment_score":0.5334195974396496,"channel":0,"num_words":41,"start":1570.1,"end":1580.825},{"sentences":[{"text":"That that does make 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you.","start":1583.285,"end":1593.4099,"sentiment":"neutral","sentiment_score":0.12077399918978865},{"text":"Okay?","start":1593.4099,"end":1593.9099,"sentiment":"neutral","sentiment_score":0.08786410093307495}],"sentiment":"neutral","sentiment_score":0.1408661398001843,"channel":0,"num_words":36,"start":1582.645,"end":1593.9099},{"sentences":[{"text":"Yep.","start":1593.965,"end":1594.465,"sentiment":"neutral","sentiment_score":0.1247493326663971}],"sentiment":"neutral","sentiment_score":0.1247493326663971,"channel":1,"num_words":1,"start":1593.965,"end":1594.465},{"sentences":[{"text":"Yep.","start":1594.7699,"end":1595.2699,"sentiment":"neutral","sentiment_score":0.22793683409690857},{"text":"Perfect.","start":1595.33,"end":1595.83,"sentiment":"positive","sentiment_score":0.47154808044433594},{"text":"And, look, we are still ten years out.","start":1596.13,"end":1597.73,"sentiment":"neutral","sentiment_score":0.142354235984385},{"text":"I still wanna review everything every year with you, reevaluate what's happening because the portfolio that is working now may not be required in the next couple of years or may need to alter or change.","start":1597.73,"end":1607.725,"sentiment":"neutral","sentiment_score":0.08844196289363834},{"text":"So we definitely wanna review that.","start":1607.865,"end":1609.645,"sentiment":"neutral","sentiment_score":0.20918727666139603}],"sentiment":"neutral","sentiment_score":0.12071832935684003,"channel":0,"num_words":52,"start":1594.7699,"end":1609.645},{"sentences":[{"text":"There's also opportunities where you might get pay increases.","start":1609.7051,"end":1612.285,"sentiment":"neutral","sentiment_score":0.15756274428632525},{"text":"We're hopefully looking to see changes to the the concessional cap as well.","start":1612.985,"end":1618.41,"sentiment":"neutral","sentiment_score":0.18415404970829302},{"text":"If the concessional cap increases, which is supposed to increase around about July there, we might be able to increase contributions in as well.","start":1618.55,"end":1625.91,"sentiment":"neutral","sentiment_score":0.20235206155727306},{"text":"So there's","start":1625.91,"end":1626.63,"sentiment":"neutral","sentiment_score":0.07612374797463417}],"sentiment":"neutral","sentiment_score":0.1837659232939283,"channel":0,"num_words":48,"start":1609.7051,"end":1626.63},{"sentences":[{"text":"Yep.","start":1626.515,"end":1627.015,"sentiment":"neutral","sentiment_score":0.04562390223145485}],"sentiment":"neutral","sentiment_score":0.04562390223145485,"channel":1,"num_words":1,"start":1626.515,"end":1627.015},{"sentences":[{"text":"other things that we can definitely look at to keep you on track there.","start":1626.63,"end":1629.675,"sentiment":"neutral","sentiment_score":0.2866806552878448},{"text":"But as per the recommendations, this is where I see things going at the moment.","start":1629.755,"end":1633.535,"sentiment":"neutral","sentiment_score":0.09930837452411652},{"text":"Okay?","start":1633.8351,"end":1634.3351,"sentiment":"neutral","sentiment_score":0.11508188396692276}],"sentiment":"neutral","sentiment_score":0.1872745558619499,"channel":0,"num_words":30,"start":1626.63,"end":1634.3351},{"sentences":[{"text":"Yep.","start":1634.9149,"end":1635.36,"sentiment":"neutral","sentiment_score":0.2742387652397156}],"sentiment":"neutral","sentiment_score":0.2742387652397156,"channel":1,"num_words":1,"start":1634.9149,"end":1635.36},{"sentences":[{"text":"Perfect.","start":1635.8351,"end":1636.3151,"sentiment":"positive","sentiment_score":0.6309094429016113},{"text":"Do you have any questions?","start":1636.3151,"end":1637.275,"sentiment":"neutral","sentiment_score":0.22487321496009827},{"text":"You're welcome to ask me some if you have if anything 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for your time.","start":1985.1749,"end":1986.1549,"sentiment":"positive","sentiment_score":0.7237022072076797}],"sentiment":"positive","sentiment_score":0.7237022072076797,"channel":1,"num_words":4,"start":1985.1749,"end":1986.1549},{"sentences":[{"text":"No worries, Scott.","start":1986.4149,"end":1987.3749,"sentiment":"positive","sentiment_score":0.5568709075450897},{"text":"I hope you have a good day.","start":1987.3749,"end":1988.6549,"sentiment":"positive","sentiment_score":0.7647560920034137},{"text":"Thank you so much for your time.","start":1988.6549,"end":1990.2749,"sentiment":"positive","sentiment_score":0.8119668960571289}],"sentiment":"positive","sentiment_score":0.747510214062298,"channel":0,"num_words":17,"start":1986.4149,"end":1990.2749},{"sentences":[{"text":"Okay.","start":1990.5349,"end":1990.8549,"sentiment":"positive","sentiment_score":0.4250235557556152},{"text":"You too.","start":1990.8549,"end":1991.335,"sentiment":"positive","sentiment_score":0.4106930196285248},{"text":"Bye.","start":1991.335,"end":1991.835,"sentiment":"neutral","sentiment_score":0.33249303698539734}],"sentiment":"positive","sentiment_score":0.39472565799951553,"channel":1,"num_words":4,"start":1990.5349,"end":1991.835},{"sentences":[{"text":"Thanks.","start":1991.695,"end":1992.095,"sentiment":"positive","sentiment_score":0.5950687527656555},{"text":"See you later.","start":1992.095,"end":1992.7349,"sentiment":"positive","sentiment_score":0.5011838674545288},{"text":"Bye.","start":1992.7349,"end":1993.2349,"sentiment":"neutral","sentiment_score":-0.10072240978479384}],"sentiment":"positive","sentiment_score":0.39957958906888963,"channel":0,"num_words":5,"start":1991.695,"end":1993.2349}]},"summary":{"result":"success","short":"During a call with Ac Financial, Scott and the speaker discuss the updated advice document, retirement planning, and risk profile. They emphasize the importance of maintaining a comfortable risk profile and rebalancing investments. The speakers also discuss the retirement of a bank hybrids investment and the importance of reducing risk levels in retirement plans. They emphasize the importance of reviewing retirement plans and rebalancing portfolios to ensure the portfolio is working for the customer. The speaker emphasizes the importance of reviewing retirement plans and making a salary sacrificing to achieve their goal of 1,500,000."},"intents":{"segments":[{"text":"Before we jump into the call list, Scott, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.","start_word":70,"end_word":102,"intents":[{"intent":"Confirm confirmation of call recording","confidence_score":0.000004387518}]},{"text":"So now the purpose of this advice document, too, was to reassess your super, have a bit of a look at everything. You wanted to sort of make sure you were on track for you meeting your goals. Essentially, you were hoping to be able to access super in around about ten years at the age of 60 there. Nope.","start_word":399,"end_word":458,"intents":[{"intent":"Assess super access and maintain track","confidence_score":0.0046210485}]},{"text":"When you get really close to those years, about a year or two out from being able to access super, we'll be able to really hone in on the retirement planning aspect and look at the draw downs in a bit more detail.","start_word":664,"end_word":706,"intents":[{"intent":"Review retirement planning","confidence_score":0.42974088}]},{"text":"We can definitely help them provide additional advice in the future if that's an area you would like to seek advice on as well. Okay?","start_word":878,"end_word":902,"intents":[{"intent":"Provide advice and advice","confidence_score":0.0035484822}]},{"text":"If we can't, we can certainly refer you one. As financial advisers, we're not solicitors, so we don't draft wills and power of attorneys and things like that for you. We can, however, refer you to a solicitor if you would need the services of one to review your will and power of attorneys.","start_word":964,"end_word":1017,"intents":[{"intent":"Refer to a solicitor","confidence_score":0.29287648}]},{"text":"When it comes to the insurance side of things, we do look at personal insurances, the life, t to d, income protection, trauma, certain business types of cover as well.","start_word":1019,"end_word":1048,"intents":[{"intent":"Review insurance coverage","confidence_score":0.3111291}]},{"text":"Underneath that, you'll see you've got your hub twenty four super account with the current balance in there for you.","start_word":1459,"end_word":1478,"intents":[{"intent":"Highlight super account information","confidence_score":0.0038387368}]},{"text":"We had noted, and I believe we spoke last time, that Bennelong had been underperforming a bit. So I have made a recommendation to remove Bennelong solely out of your portfolio, and Yep.","start_word":1958,"end_word":1990,"intents":[{"intent":"Removing benelon from portfolio","confidence_score":0.16598192},{"intent":"Making recommendations to remove benelon","confidence_score":0.0032740184}]},{"text":"So we are gonna move Benelon out. It just replaces the underperforming fund with the a 200. The a 200 is more of a passively managed fund. It is still tracking the top 200 companies in Australia, and it's still it's actually really good as a a a fund because it's one of the highest paying dividend income Hello?","start_word":2019,"end_word":2077,"intents":[{"intent":"Promoting benelon's passive managed fund","confidence_score":0.0000034739771}]},{"text":"when we look at the portfolio, other changes that we are making, it's also just about rebalancing things there a bit, is that we are also removing the bank hybrids at the top there.","start_word":2183,"end_word":2216,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.14691462}]},{"text":"I know I I've spoken to a few people recently that have had a little bit of concern about investing in The US. There is nothing wrong with that.","start_word":2401,"end_word":2429,"intents":[{"intent":"Evaluate investor interest","confidence_score":0.000020141933}]},{"text":"We do know that investments are gonna go up and down, and there is a little bit of unsure and, you know, unsure in the market with regard to The US, but the same thing with Australia there. So it is still good to be in that.","start_word":2584,"end_word":2630,"intents":[{"intent":"Address investment concerns","confidence_score":0.0033412061}]},{"text":"with the Aussie 200, the same as the S and P, essentially, you are tracking the top 200 companies in Australia, and that can change depending on what companies are eligible to to be in that in that index, essentially.","start_word":2927,"end_word":2966,"intents":[{"intent":"Track companies","confidence_score":0.26439226}]},{"text":"So we have the core composite bonds there that is giving Yep. you access to both government and corporate bonds.","start_word":3031,"end_word":3050,"intents":[{"intent":"Use composite bonds","confidence_score":0.00037144104}]},{"text":"So just going back down to that fees comparison table there, you'll note that with the investment fees under the recommended there, it's actually reducing those. So by Yep.","start_word":3260,"end_word":3288,"intents":[{"intent":"Reduce fees","confidence_score":0.0048922487}]},{"text":"And this sort of shows that we can save for the first year here, we're expected to save about 2,123 on investment fees. So that is more money that remains in your portfolio, working harder and compounding forward. Okay?","start_word":3339,"end_word":3377,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.10380093}]},{"text":"When we look at, obviously, the changes in the portfolio, the savings with the investment fee, the increase of the salary sacrifice there for you, and the changes to the portfolio.","start_word":3924,"end_word":3954,"intents":[{"intent":"Review portfolio changes","confidence_score":0.11264561}]},{"text":"So if the markets work the way we want them to the way they have in the past, then we can project a greater return moving forward for you.","start_word":4015,"end_word":4043,"intents":[{"intent":"Propose return","confidence_score":0.013673344}]},{"text":"and that's why I kinda wanted to increase the salary sacrifice as well.","start_word":4110,"end_word":4122,"intents":[{"intent":"Increase salary sacrifice","confidence_score":0.9552476}]},{"text":"it is really important that we are kind of planning for that and having a bit of a safe haven.","start_word":4160,"end_word":4179,"intents":[{"intent":"Plan for future","confidence_score":0.7010785}]},{"text":"forward, when you're about four years away from retirement, when you get to that six year marker, we're gonna wanna start reducing the risk level. It becomes Yep.","start_word":4317,"end_word":4344,"intents":[{"intent":"Reduce risk level","confidence_score":0.22425571}]},{"text":"And because in retirement, you're not gonna be getting the kind of growth that you are now, We project that retirement income with only a 5% rate of return. We'd like to be more conservative in retirement because you're not gonna be taking a lot of risk in retirement. Yep.","start_word":4549,"end_word":4598,"intents":[{"intent":"Explaining benefits of retirement income","confidence_score":0.0011121265},{"intent":"Discussing retirement income","confidence_score":0.0023902252}]},{"text":"And then when we get closer to retirement, we'll just reevaluate the retirement aspect and really look at what we can do.","start_word":5079,"end_word":5100,"intents":[{"intent":"Evaluate retirement aspects","confidence_score":0.0417051}]},{"text":"I like to follow the VIX index is sort of look at what the volatility is that we are expecting. And for the past week, it has been over 20%. It went upwards of twenty six percent one day and then dropped down to about 24%, but it has sort of stayed steadily over that 20%.","start_word":5863,"end_word":5918,"intents":[{"intent":"Analyze vx indexes","confidence_score":0.00066643587}]},{"text":"And if we have to update the advice, which I definitely expect we will over the next couple of years, we'll just keep updating the advice for you.","start_word":6162,"end_word":6189,"intents":[{"intent":"Update advice","confidence_score":0.93045104}]},{"text":"Have a look at the advantages, disadvantages, the risks involved.","start_word":6206,"end_word":6215,"intents":[{"intent":"Discuss benefits","confidence_score":0.056177307}]},{"text":"Have a look at the the salary sacrifice component. Essentially, Yep.","start_word":6216,"end_word":6226,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.19754624}]},{"text":"We'll give you the salary sacrifice letter for you to hand to your employer. They'll start that salary sacrifice when you tell them to do so. I Yep.","start_word":6267,"end_word":6294,"intents":[{"intent":"Make salary sacrifice letter","confidence_score":0.0022702361}]},{"text":"did consider making it as a deductible contribution, but I like the way a salary sacrifice because your employer does it for you. So it takes the stress of you having to make that contribution on a regular basis away. It's just Yep.","start_word":6295,"end_word":6337,"intents":[{"intent":"Make contribution","confidence_score":0.0029753174}]},{"text":"And I could drop the text a little too, so that'll be handy. Yeah.","start_word":6355,"end_word":6368,"intents":[{"intent":"Provide text","confidence_score":0.01718127}]},{"text":"dollars compounding for ten years is much better than a $100 compounding for three years. So it's important that we take advantage of those now while we can, and it also provides a bit of a safety net for us as well.","start_word":6463,"end_word":6504,"intents":[{"intent":"Consider compounding","confidence_score":0.003752701}]},{"text":"dollars compounding for ten years is much better than a $100 compounding for three years. So it's important that we take advantage of those now while we can, and it also provides a bit of a safety net for us as well. Yep.","start_word":6463,"end_word":6505,"intents":[{"intent":"Take advantage of compounding","confidence_score":0.00076473196}]},{"text":"So it's important that we take advantage of those now while we can, and it also provides a bit of a safety net for us as well. Yep. Okay?","start_word":6478,"end_word":6506,"intents":[{"intent":"Provide safety net","confidence_score":0.34196916}]}]},"sentiments":{"segments":[{"text":"Hello? Scott speak Hi.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.0650382712483406},{"text":"Good morning, Scott. Yes. How's it going?","start_word":4,"end_word":10,"sentiment":"positive","sentiment_score":0.371526837348938},{"text":"Hi. Sorry. It's Dana from OC Financial. How are you this morning? Not too bad. Yourself?","start_word":11,"end_word":26,"sentiment":"neutral","sentiment_score":0.19483113288879397},{"text":"I'm very well. Thank you.","start_word":27,"end_word":31,"sentiment":"positive","sentiment_score":0.6271040439605713},{"text":"I had you booked in to run through your updated advice document. Is now still a good time there for you? Yep. It is. Yep.","start_word":32,"end_word":56,"sentiment":"neutral","sentiment_score":0.2713073194026947},{"text":"Fantastic. How's your morning been so far?","start_word":57,"end_word":63,"sentiment":"positive","sentiment_score":0.41441282629966736},{"text":"Yep.","start_word":64,"end_word":64,"sentiment":"neutral","sentiment_score":0.24949543178081512},{"text":"Pretty good. Oh, that's good.","start_word":65,"end_word":69,"sentiment":"positive","sentiment_score":0.4538136124610901},{"text":"Before we jump into the call list, Scott, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep.","start_word":70,"end_word":102,"sentiment":"neutral","sentiment_score":0.12072159349918364},{"text":"Lovely.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.3355717062950134},{"text":"And just to do security there with you as well, just to confirm your full name, date of birth, and address I should have on file there Scott White Andrews, for then eleventh you. 70 Yeah. 5, And 12 Mhmm. Pudders Street, Penny Park.","start_word":104,"end_word":147,"sentiment":"neutral","sentiment_score":0.1017066165804863},{"text":"Beautiful. Thank you so much for that.","start_word":148,"end_word":154,"sentiment":"positive","sentiment_score":0.5817254781723022},{"text":"Scott, I've got the email with the document in there. Are you able to access the emails at the moment, or did you want me just to run through the recommendations? What's your sort of preference there? Either way, I have does it only just come through the yep. How I'll long send ago was it sent to me? it. I'm just sending it now, so it should be Yep. on its Cool. way You have to to you. access emails. Yeah. Yep.","start_word":155,"end_word":237,"sentiment":"neutral","sentiment_score":0.05277976021170616},{"text":"Beautiful. Fantastic.","start_word":238,"end_word":239,"sentiment":"positive","sentiment_score":0.46588173508644104},{"text":"There we go. It says it's just being sent through thank thankfully, so that should come through fairly quickly there for you. It'll come through from OdooSign. Yep. Yeah. How's that pop through to you there as of yet? Yes. It has. Yeah.","start_word":240,"end_word":282,"sentiment":"neutral","sentiment_score":0.19587868452072144},{"text":"Lovely. Perfect.","start_word":283,"end_word":284,"sentiment":"positive","sentiment_score":0.4067825675010681},{"text":"So when you open the email there, you'll see the document. It does, I believe, have a little section that says sign. If you click on that, it lets you go through, and you can see the first document, which is a statement of advice. Yep. I have also, if it's easier, attached it as an attachment so you can decide if not the attachment is easier for you as well. Okay? Right. On the first page there, you'll see statement of advice prepared for yourself as of yesterday's date, the 03/17/2026, prepared by myself and my lovely team here at Oakview Financial, and my representative number with ASIC is 1304394. Okay?","start_word":285,"end_word":396,"sentiment":"neutral","sentiment_score":0.17229239296700274},{"text":"Yep. Perfect. So now the purpose of this advice document, too, was to reassess your super, have a bit of a look at everything. You wanted to sort of make sure you were on track for you meeting your goals.","start_word":397,"end_word":436,"sentiment":"positive","sentiment_score":0.4465832710266114},{"text":"Essentially, you were hoping to be able to access super in around about ten years at the age of 60 there. Nope. Drawing down, we did speak about drawing down a regular income on a yearly basis of about 72,000 per annum, which is 6,000 per month. The other sort of conversation I've had in the past with Lisa was that you were also looking at drawing down 3,000 per month each out of your super. So I've kind of looked at both scenarios there for you, looked at what we need to do to be able to keep you on track towards meeting that goal, and updated the advice document to reflect that for you. Okay? Yep. We've scoped into a limited extent here the insurance side of things. So because insurances are paid out of your super, it does have an overall effect on your retirement figure as well. So, also, Yep. not making any recommendations to alter those. It is important they are reflective of the advice document. Documents. And because you are still technically ten years away from retirement, there is still time for things to change and alter. This is what we're looking at now. However, we do need to review things on a regular basis moving forward and possibly alter the advice as we get closer to accessing super as well. When you get really close to those years, about a year or two out from being able to access super, we'll be able to really hone in on the retirement planning aspect and look at the draw downs in a bit more detail. Retirement planning has been scoped in just to a limited extent now to kinda show you the outcome expected or the effect of the advice recommendations based on the current circumstances, but this is to be reflective and altered moving down the track as well. Okay? Yep. We've scoped out areas. This is on page number six for you. So areas of debt management and the estate planning. So you do have your beneficiaries in place. You had available in power of return.","start_word":437,"end_word":789,"sentiment":"neutral","sentiment_score":0.07533215497100657},{"text":"You were happy with how all of that was structured.","start_word":790,"end_word":799,"sentiment":"positive","sentiment_score":0.49878472089767456},{"text":"So we're not Yep. looking to alter any of those at the moment, but we can definitely, sorry, review those down the track for you.","start_word":800,"end_word":824,"sentiment":"neutral","sentiment_score":0.09409841895103456},{"text":"We've also got down here that you one of your other goals, you are looking at doing some renovations there at the moment, and you also had sold off investment property, which is fantastic.","start_word":825,"end_word":858,"sentiment":"positive","sentiment_score":0.3445664048194885},{"text":"So there's been a few changes there. We'll scope out areas of cash flow and debt management for you. We can definitely help them provide additional advice in the future if that's an area you would like to seek advice on as well. Okay? Yep.","start_word":859,"end_word":903,"sentiment":"neutral","sentiment_score":0.23818281292915344},{"text":"Beautiful.","start_word":904,"end_word":904,"sentiment":"positive","sentiment_score":0.5004474520683289},{"text":"Now the next page there on page number seven is just letting you know this is a limited advice document. We do scope in and out areas that we are and are not providing advice on. If there's any additional advice down the track you wanted to seek outside of these areas, we can absolutely look to help you. If we can't, we can certainly refer you one. As financial advisers, we're not solicitors, so we don't draft wills and power of attorneys and things like that for you. We can, however, refer you to a solicitor if you would need the services of one to review your will and power of attorneys. Yep. When it comes to the insurance side of things, we do look at personal insurances, the life, t to d, income protection, trauma, certain business types of cover as well. However, other types of cover are outside of our scope. So home, motor, certain types of business insurances as well, and home and contents there. So they're all general insurances. We don't, as financial advisers, provide advice on those sorts of areas. However, we can refer you to a insurance broker if you did need those services. And Yep. under the Better Advice Act 2021, I'm a relevant tax provider, so that means that I can provide financial advice on tax and tax related issues and areas. However, we're not accountants, so we don't do your accounting for you. Can we can refer you to an accountant if you like those services. Little bit of an inside joke.","start_word":905,"end_word":1166,"sentiment":"neutral","sentiment_score":0.014013363574524871},{"text":"I do like to think that we're a little bit more fun.","start_word":1167,"end_word":1178,"sentiment":"positive","sentiment_score":0.34675630927085876},{"text":"Financial advisers help you to minimize tax in the front end of things, whereas accounts tell you how much tax you have to pay after the fact. Okay? Yep. The next page is sort of the about you section. So it just sort of went through all the information that we had on you based on our last conversation there. Have you had any major changes in your circumstances since we last spoke? I know you have sold the property, so you do have a bit more money in the offset there. But would any of these circumstances have changed at all? Nope.","start_word":1179,"end_word":1281,"sentiment":"neutral","sentiment_score":0.07219085842370987},{"text":"Nope. That's a pity. Hoping you would've got a pay rise in there somewhere.","start_word":1282,"end_word":1295,"sentiment":"negative","sentiment_score":-0.5086680054664612},{"text":"Not No. yet. I'm Waiting for one. We're waiting for an and he they're yeah.","start_word":1296,"end_word":1310,"sentiment":"neutral","sentiment_score":-0.23553666472435},{"text":"They're just dragging their feet with the EA and the company's crying poor with the state Yeah.","start_word":1311,"end_word":1327,"sentiment":"negative","sentiment_score":-0.45260119438171387},{"text":"of the world. So yeah. And I've been No. yeah. I was hoping No. Hopefully. for one too. Yeah. Hopefully, you get one very soon. Yeah. The next page says outline your assets and liabilities there. We had this updated as the girls checked everything when they booked you in the other day. Yep. So that should be all reflected there. If there are any major changes that you want updated, we can absolutely do that for you. None of this has a large effect on the advice as a whole at the moment. But if there is anything that you wanted to have updated or changed, you're welcome to let me know, and I can make sure the back end is reflective of that for you. Okay? Yep.","start_word":1328,"end_word":1456,"sentiment":"neutral","sentiment_score":0.11003165692090988},{"text":"Beautiful.","start_word":1457,"end_word":1457,"sentiment":"positive","sentiment_score":0.5208726525306702},{"text":"Underneath that, you'll see you've got your hub twenty four super account with the current balance in there for you. We've also got your insurances noted there. It's important Yep. that we do make note of the insurance cover you do have as it is paid out of your super funds. The next couple of pages kinda outline the risk profile and where you had scored and what you were comfortable in, but we'll kinda go this in a bit more detail below with the recommendations Yep. there. Okay? To make things a little bit easier, if I can get you to scroll down for me just to page number. Sorry. No. Number 20. This is essentially looking at other recommendations as a whole. I'll go through the recommendations with you as per everything on this page. The there are other pages higher and below that have a bit more detail No. around the recommendations that are the best interest due to your advantages, business advantages, and risks involved. I'll kinda go through those with you in a bit of detail there, but you're welcome to go back and have a really good read of those as well. Okay? Yep.","start_word":1458,"end_word":1657,"sentiment":"neutral","sentiment_score":0.12349231541156767},{"text":"Perfect.","start_word":1658,"end_word":1658,"sentiment":"positive","sentiment_score":0.45112764835357666},{"text":"So with this one here, you'll see you've got your current scenario there at the moment. So you've got your current super fund with your current balance there. Yep. You are paying administration fees, investment fees, and any other fees applicable to the fund. Your ongoing service fees for us as your advisers and looking after everything and your current contributions based on the current income that you've got, and you've also got your insurance premiums noted there as well. With the current portfolio, you are in a growth portfolio. We did talk about what that means and look at your risk profile initially. You are still comfortable remaining in that environment there, but we wanted to look at your super and make sure it was being maximized as much as possible working towards your retirement goals there. So what I am essentially recommending is I did have a look at all the super funds out there. It is important I review those sorts of things as part of the research.","start_word":1659,"end_word":1829,"sentiment":"neutral","sentiment_score":0.16954825818538666},{"text":"Hub Yep. 24 is still reflective of your goals. It's a great platform. It still gives you access to everything you need.","start_word":1830,"end_word":1851,"sentiment":"positive","sentiment_score":0.6082686104557731},{"text":"It's not had any major changes that really require us to make any alterations to the platform itself at the moment. And if we happen to were to move you to another super fund in any way, shape, or form, it does mean selling down your entire portfolio, which can have a greater capital gains impact on your super fund. So I'm recommending we retain hub twenty four at the moment. Again, you'll see your your administration fees don't change by the retention of the platform itself. However, your investment fees do change. I did have a look at the investments in the growth portfolio there. We had noted, and I believe we spoke last time, that Bennelong had been underperforming a bit. So I have made a recommendation to remove Bennelong solely out of your portfolio, and Yep. we're gonna replace that with the BetaShares a 200. A little bit higher on page 18, you'll see the changes that I am making to your portfolio there. So we are gonna move Benelon out. It just replaces the underperforming fund with the a 200. The a 200 is more of a passively managed fund.","start_word":1852,"end_word":2045,"sentiment":"neutral","sentiment_score":-0.03422928974032402},{"text":"It is still tracking the top 200 companies in Australia, and it's still it's actually really good as a a a fund because it's one of the highest paying dividend income Hello?","start_word":2046,"end_word":2077,"sentiment":"positive","sentiment_score":0.3729359805583954},{"text":"investments there.","start_word":2078,"end_word":2079,"sentiment":"neutral","sentiment_score":0.132827490568161},{"text":"So I actually love the a 200. It pays really good high quality dividends, and dividends are really important to be paid out of your portfolio because they go back into your cash account and help with the compounding effect moving forward there as well. By replacing the Banda Long Australian Equities investment with your a 200, you're still getting access and exposure to the Australian shares, and that's important to make sure you're still got that quality of investment and for diversification long term there.","start_word":2080,"end_word":2165,"sentiment":"positive","sentiment_score":0.5083032846450806},{"text":"Yep.","start_word":2166,"end_word":2166,"sentiment":"neutral","sentiment_score":0.2680245637893677},{"text":"Being as more passively managed, it actually does reduce your investment fees quite significantly.","start_word":2167,"end_word":2180,"sentiment":"positive","sentiment_score":0.46425139904022217},{"text":"So Hello? when we look at the portfolio, other changes that we are making, it's also just about rebalancing things there a bit, is that we are also removing the bank hybrids at the top there.","start_word":2181,"end_word":2216,"sentiment":"neutral","sentiment_score":0.11655305325984956},{"text":"So bank hybrids down the track are actually gonna be phased out.","start_word":2217,"end_word":2228,"sentiment":"negative","sentiment_score":-0.33733633160591125},{"text":"So whilst we are making changes to your portfolio now, making all these changes now provide means it has more time to sort of compound moving forward and take effect. So we'll be removing all the bank hybrids there, removing the agriculture, the global agriculture. We are keeping physical gold by just selling some of it down, so rebalancing your portfolio back.","start_word":2229,"end_word":2290,"sentiment":"neutral","sentiment_score":0.045777205377817154},{"text":"Physical gold Yep. has done really well, so it is good to rebalance things back to keep you invested in line with your risk profile so it's not overexposing you. But it's also about cementing some of those gains that it has made as well. So we cement those gains. We reinvest them into the portfolio, and then those gains can continue to grow in other areas for you as well.","start_word":2291,"end_word":2361,"sentiment":"positive","sentiment_score":0.6086471676826477},{"text":"Alright? Yep.","start_word":2362,"end_word":2363,"sentiment":"neutral","sentiment_score":0.28522568941116333},{"text":"We've got the beta share secure cybersecurity there. We are still retaining about 5% of that.","start_word":2364,"end_word":2379,"sentiment":"positive","sentiment_score":0.3610686659812927},{"text":"Just doing a bit of a rebalance there and also rebalancing a bit more money into the S and P 500. I know I I've spoken to a few people recently that have had a little bit of concern about investing in The US. There is nothing wrong with that.","start_word":2380,"end_word":2429,"sentiment":"neutral","sentiment_score":0.12145952880382538},{"text":"One of the good things about the S and P 500 is that it tracks the S and P 500 index.","start_word":2430,"end_word":2450,"sentiment":"positive","sentiment_score":0.37747010588645935},{"text":"And, essentially, the investment committee that set up the index, they essentially meet every quarter, and they check to see if the companies within the index still actually are able to be in this, make make sure they meet the criteria to remain within the index. If they don't, they actually get removed and something else gets put in its place. The S and P 500 index can encompass anywhere from 500 to 520 old companies. So you are always invested in the top 500 companies in The US, and that is ever evolving and changing depending what what companies meet the criteria to remain in the index there.","start_word":2451,"end_word":2559,"sentiment":"neutral","sentiment_score":0.2131104022264481},{"text":"So being in the S and P 500 and having access to those does keep you in high quality investments within The US.","start_word":2560,"end_word":2582,"sentiment":"positive","sentiment_score":0.5693284869194031},{"text":"We do know that investments are gonna go up and down, and there is a little bit of unsure and, you know, unsure in the market with regard to The US, but the same thing with Australia there.","start_word":2583,"end_word":2620,"sentiment":"neutral","sentiment_score":-0.03262951597571373},{"text":"So it is still good to be in that.","start_word":2621,"end_word":2629,"sentiment":"positive","sentiment_score":0.3915644586086273},{"text":"Take advantage of the ups and downs that we are gonna see. And when when we do see those down times, just remember, we're putting our contributions in. We're buying into those discounted times, and it will help us as we come out and, you know, compound our growth forward. Does that make sense? Yep. Yep. Yep.","start_word":2630,"end_word":2686,"sentiment":"neutral","sentiment_score":0.2054448425769806},{"text":"Perfect.","start_word":2687,"end_word":2687,"sentiment":"positive","sentiment_score":0.44665393233299255},{"text":"We've got, again, sorry, we've got some more BetaShares 200, so that one is being completely sold there. We're getting rid of all of the Benelon Australia equities. We're also removing the ClearBridge Rare Infrastructure Income Fund, and we'll be investing into the iShares Europe, a bit of Japanese equities there as well. The Vanguard or World excluding The US, so this one here gives you access to the entire globe except for The US. So it's giving you access to well established markets but also emerging markets there to provide diversification. Japan has seen some really good growth over the last year as well, and it's also important to be invested into Europe. There's a lot of uncertainty around there, but instead of just picking one or two different markets to choose from and hoping we get the right ones, investing in all of those tends to provide a greater level of return over the longer term. Does that make sense? Yep. Yep. Perfect. If if you need more clarity on things, please stop me and ask Scott Scott. Just You know, let it's me know. yeah. It's fine. Yeah.","start_word":2688,"end_word":2878,"sentiment":"neutral","sentiment_score":0.13265913724899292},{"text":"Beautiful.","start_word":2879,"end_word":2879,"sentiment":"positive","sentiment_score":0.4033530354499817},{"text":"Underneath that, we have the beta shares Aussie 200 there, so that's the one we are replacing. With Benelon, it's giving you access to the top 200 companies on the ASX.","start_word":2880,"end_word":2910,"sentiment":"neutral","sentiment_score":0.2245035320520401},{"text":"It is a good place to be, and we'll see 20% invested there.","start_word":2911,"end_word":2923,"sentiment":"positive","sentiment_score":0.5137962698936462},{"text":"Again, Yep. with the Aussie 200, the same as the S and P, essentially, you are tracking the top 200 companies in Australia, and that can change depending on what companies are eligible to to be in that in that index, essentially.","start_word":2924,"end_word":2965,"sentiment":"neutral","sentiment_score":0.13582549315123332},{"text":"So you are always investing, and it is always changing. So you do remain invested in the top 200 companies, which is a benefit for you. And then making sure we have defensive assets as well. So it's about having a lot of growth. You wanna get growth out of your portfolio and see it working harder, but it's also about having some defensive investments. So we have the core composite bonds there that is giving Yep. you access to both government and corporate bonds. Bonds tend to get a lower rate of return, but they're great for income producing.","start_word":2966,"end_word":3065,"sentiment":"positive","sentiment_score":0.4844485223293304},{"text":"It's important to have some of those lower risk investments with what we have sort of seen in the markets at the moment with equities going a bit up and down.","start_word":3066,"end_word":3096,"sentiment":"neutral","sentiment_score":0.24719512462615967},{"text":"Gold has been performing nicely.","start_word":3097,"end_word":3101,"sentiment":"positive","sentiment_score":0.3800055384635926},{"text":"Silver's had a bit of a a go at it. It was down yesterday, unfortunately. But Yep. fixed interest in bonds and things have also seen an increase over the last couple of weeks as well. So we do tend to find history shows that when equities might not be performing quite well, having some alternatives like gold and or silver and some defensive investments like fixed interest and bonds do tend to help provide us with a greater level of return when equities don't perform as well.","start_word":3102,"end_word":3189,"sentiment":"neutral","sentiment_score":0.1517995446920395},{"text":"So that's all part of diversifying your portfolio, spreading a risk risk level over not only different countries and asset classes, but also over growth and defensive investment areas as Yep.","start_word":3190,"end_word":3220,"sentiment":"positive","sentiment_score":0.33510899543762207},{"text":"well. Does that make sense? Yeah. So sort of Looks just a scrolling little bit better. back down Yeah. to yeah. Sorry. You're right? Yeah. It looks a looks a lot better than what it was. So Yeah.","start_word":3221,"end_word":3258,"sentiment":"neutral","sentiment_score":0.1412154883146286},{"text":"Absolutely.","start_word":3259,"end_word":3259,"sentiment":"positive","sentiment_score":0.39215636253356934},{"text":"So just going back down to that fees comparison table there, you'll note that with the investment fees under the recommended there, it's actually reducing those. So by Yep. moving some of those investments around rebalancing things and moving you into a more passive environment with your post with your portfolio, you're staying within that growth environment there, which is generally seeing 80% growth investments, 20% defensive there.","start_word":3260,"end_word":3327,"sentiment":"neutral","sentiment_score":0.2558445014497813},{"text":"You're still remaining within that sort of after allocation rebalancing things. And this sort of shows that we can save for the first year here, we're expected to save about 2,123 on investment fees. So that is more money that remains in your portfolio, working harder and compounding forward.","start_word":3328,"end_word":3376,"sentiment":"positive","sentiment_score":0.5461370348930359},{"text":"Okay? Yep. It's important. You'll note at the very top of that table, there is a difference of $4.07 $7.01. So in order to Yep. make the changes, we are cementing some of the capital gains as well as cementing some of the losses. The $4,007.71 is the CGT effect. So you've got a very higher balance. Smaller changes make a bigger effect to your portfolio. So when we are Yep. making changes, we understand your super fund is gonna have tax consequences. Not many people are aware, but your super fund still does a tax return every year, the same as you do with your personal tax returns. So they, account for capital gains and losses. They also look at income tax, and your super fund does a tax return every year for you as well. So we do understand and estimate with regards to the research there to make these changes in your portfolio. We do see a capital gains effect there of 4,771. However, when we look at the difference in the fees, by saving investment fees, we could actually make that without any growth in the portfolio, essentially, two years, and we can make that CDT Neutralized back or a bed. little over Yep. two years. Yeah. And that is made back.","start_word":3377,"end_word":3592,"sentiment":"neutral","sentiment_score":0.0677403137087822},{"text":"So it's cementing those gains and losses and altering the portfolio works to your benefit. We're cementing the the gains and losses and having the CGT effect, but we're also long term saving in investment fees, which has a greater effect moving forward for you.","start_word":3593,"end_word":3637,"sentiment":"positive","sentiment_score":0.37687113881111145},{"text":"Does that make sense? Yep. Yep.","start_word":3638,"end_word":3643,"sentiment":"neutral","sentiment_score":0.22139623761177063},{"text":"Perfect.","start_word":3644,"end_word":3644,"sentiment":"positive","sentiment_score":0.5907803773880005},{"text":"There's no change to our ongoing service fee that is currently capped at the balance of 600,000. Yours is well over that. So the most you pay is 9,900 there. With Yep. the contributions, you'll see there is a difference. So I did have a look at, obviously, the projecting board and looking at what we need to do, and I have made a recommendation to start salary sacrificing. I am Yep. making a recommendation to salary sacrifice a $150 on a weekly basis. It is completely up to you as to whether you're comfortable taking this aboard and starting this high. You can always look to, you know, start lower and we kind of increase and change it over time. It's fine. But when I kind of projected forward and looked at everything based on the current recommendations, Also, you are everything is working really well with your current income.","start_word":3645,"end_word":3795,"sentiment":"neutral","sentiment_score":0.09715209156274796},{"text":"It is performing nicely, and we do expect a greater balance. Starting to salary sacrifice now provides a greater long term benefit than if we had to start it down the track.","start_word":3796,"end_word":3827,"sentiment":"positive","sentiment_score":0.560976505279541},{"text":"You'll see with starting the salary sacrifice a $150 on a weekly basis, and so if you're adding to your employer contributions, and you're almost at Yep. the cap, we were limited on how much we could put in because your income is quite high. The max you can put in on a weekly basis at the moment is just over a $177. I've kinda kept that below the cap for you to give you that space to account for any discrepancies. It's important Yep. we review that moving forward for you as well. Okay? Yep. When we look at, obviously, the changes in the portfolio, the savings with the investment fee, the increase of the salary sacrifice there for you, and the changes to the portfolio. So the portfolio where there was technically moving you into has shown and we're utilizing your three year rolling average because, unfortunately, the bank hybrids that you were in doesn't give us a five year performance history. Yep. Essentially, the newer the three year rolling average in the portfolio we're moving you into has shown greater greater past returns. So if the markets work the way we want them to the way they have in the past, then we can project a greater return moving forward for you. And I've looked at sort of the next six years with this projection table. So if everything works with the updated projections, we could see in the next six years, you end up with about 1,500,000.0. Okay. Yep.","start_word":3828,"end_word":4080,"sentiment":"neutral","sentiment_score":0.089295254365022},{"text":"Excellent. Perfect. That's it.","start_word":4081,"end_word":4084,"sentiment":"positive","sentiment_score":0.5050886273384094},{"text":"With the way this works, obviously, projections are just projections, and it does depend on how the markets react Here in the you future, go. and that's why I kinda wanted to increase the salary sacrifice as well. It kind of also gives us a bit of a shortfall if investments aren't working really well. And we know with the growth portfolio, we expect negative returns at least one in every five years. So Yep. it is really important that we are kind of planning for that and having a bit of a safe haven. I would not wanna be projecting for it over the next ten years and then in the, say, seven years ago, oh, hey. We're probably not gonna get there. We actually need to maybe start salary sacrificing now. That's not gonna give us as much of an effect as if it does now. So starting now and kind of aiming for where we need to be, knowing there could be a discrepancy because markets react differently and no one can predict exactly how they're gonna react, and that just sort of gives us a bit of something to fall back on. The reason I've only projected out six years in this is that with the growth portfolio, we're generally lucky to be in this, and it sorta has a time horizon of six years. So moving Yes. forward, when you're about four years away from retirement, when you get to that six year marker, we're gonna wanna start reducing the risk level. It becomes Yep. less about growth in those last couple of years towards retirement and more about protection of your capital. So Yeah. we're trying to get a bit more growth now in this portfolio that's two to six year time horizon.","start_word":4085,"end_word":4383,"sentiment":"neutral","sentiment_score":-0.08207305520772934},{"text":"But when we get that close, you'll probably start to find you're very more risk averse.","start_word":4384,"end_word":4399,"sentiment":"negative","sentiment_score":-0.5962463617324829},{"text":"We're looking to pull back on the risk levels, and it's more about protecting the capital that you've been able to grow. With your balance this high, when I have a look on your current income and your current employer contributions over the next ten years, just based on current employer contributions, that's over $200,000. So you realistically could actually get your balance up to this high.","start_word":4400,"end_word":4466,"sentiment":"neutral","sentiment_score":0.2152213603258133},{"text":"I hope in the next six years as as we're projecting, but at least in the next ten years, we should be able to get close to this. And being at this point, actually, is very close to me to your goal.","start_word":4467,"end_word":4508,"sentiment":"positive","sentiment_score":0.4875750839710235},{"text":"Yep. When I sort of projected for based on what you wanted to draw down, if you can get to 1,500,000.0 there and be able to draw down, we can see at drawing down about $72,000 on a yearly basis. And because in retirement, you're not gonna be getting the kind of growth that you are now, We project that retirement income with only a 5% rate of return. We'd like to be more conservative in retirement because you're not gonna be taking a lot of risk in retirement. Yep. So you're only sorta expecting to average around about five to 6% returns when you're in those retirement years and drawing down income. But down on page number 26 there, if we can kinda get it up, drawing down an income of about 72,000, it doesn't quite get you to the age of 90 at the moment, but, essentially, with a 5% return, drawing down 72,000 on a yearly basis just from your super does see us. Super lasts until about age 79 to 80, give or take. This is not including anything else like any other investments. It's not including lease or superannuation. It's not including Centrelink. And when we get closer to retirement, I wanna look at whether you've got access to Centrelink, whether Centrelink's gonna be a way for you, what other options we have, and structures we have to try to benefit you and get you a little bit of Centrelink just so you can kind Yep. of have the health care card and provide more longevity out of super, and, also, just making sure that we can also incorporate what Lee Lisa's super looks like for you so we can Yeah. maybe adjust the drawdowns. Because if you have a higher balance of 1,500,000.0 and hers is quite up there, we're gonna wanna draw more out of your super and less out of hers to provide longevity and balance the two.","start_word":4509,"end_word":4834,"sentiment":"neutral","sentiment_score":0.13942812803698465},{"text":"Yep. This is essentially telling you you can meet your goal with this rate. However, because the return in retirement is lower, generally, around about that five to 6% return, you can absolutely get a higher returning retirement. This is that we tend to project out of the more conservative rate of return for you that we expect based on this, your super to last until about age 79 to 80 during the full income.","start_word":4835,"end_word":4909,"sentiment":"positive","sentiment_score":0.474955677986145},{"text":"If you were Yep. to pull that back a little bit and only draw out the 36,000 per annum, so 3,000 per month from your super and allow Lisa to draw the same from hers, your super actually lasts based on the projected outcome up to age 90. So Yep. you've Because got I have a you've good setup.","start_word":4910,"end_word":4968,"sentiment":"neutral","sentiment_score":0.27699950337409973},{"text":"definitely Yep. met, yeah, you've definitely met your goal in this instance. It just depends on how long super lasts and what kind of rate of return we can get there.","start_word":4969,"end_word":4999,"sentiment":"positive","sentiment_score":0.4481787383556366},{"text":"I didn't wanna add any further contributions from outside of salary sacrifice. I did consider and try to look at maybe making non concessional contributions in, but I also wanted to be really mindful that your expenditure's there as well. So you've also got renovations and other things that you wanna do. Yep.","start_word":5000,"end_word":5052,"sentiment":"neutral","sentiment_score":0.11541477590799332},{"text":"So that's why I've kinda limited it to salary sacrifice, but this is keeping you on track currently to be able to get you there.","start_word":5053,"end_word":5077,"sentiment":"positive","sentiment_score":0.38796037435531616},{"text":"And then when we get closer to retirement, we'll just reevaluate the retirement aspect and really look at what we can do. There's other structures like annuities and things that we can look at that allow us to, shelter money.","start_word":5078,"end_word":5117,"sentiment":"neutral","sentiment_score":0.10089211165905},{"text":"It's a nice way of saying we're hiding money from Centrelink, which Yep. can give you guys both access to getting the health care card. A little bit of Centrelink can provide longevity.","start_word":5118,"end_word":5150,"sentiment":"positive","sentiment_score":0.4509740173816681},{"text":"And then I definitely wanna look at what both your balances are at the time of retirement so we can have a look at how best to structure the drawdowns, how it's gonna look for you guys to allow you both to draw down the income that you absolutely need, but also making sure you get longevity out of super. Because once we get to retirement, it's about keeping the super working, being able to draw income out. But then there's other things that we need take into account as well, looking at, you know, long term health care, whether aged care becomes a factor down the track there as well, and what that looks like for you.","start_word":5151,"end_word":5268,"sentiment":"neutral","sentiment_score":0.21383635699748993},{"text":"So this is so far keeping you on track to meet your goals and and get the best out of your super, and we'll keep reviewing that moving forward.","start_word":5269,"end_word":5297,"sentiment":"positive","sentiment_score":0.6733447313308716},{"text":"Does that make sense? And do you have any questions so far? That that does make sense.","start_word":5298,"end_word":5314,"sentiment":"neutral","sentiment_score":0.20951496064662933},{"text":"Yep. Beautiful.","start_word":5315,"end_word":5316,"sentiment":"positive","sentiment_score":0.48203325271606445},{"text":"In the appendices, which is attached to it, you'll see the other retirement calculator, which shows you the difference in drawing down the 30,000 per annum as opposed to the 72 for you. Okay? Yep. Yep.","start_word":5317,"end_word":5352,"sentiment":"neutral","sentiment_score":0.1324484944343567},{"text":"Perfect.","start_word":5353,"end_word":5353,"sentiment":"positive","sentiment_score":0.47154808044433594},{"text":"And, look, we are still ten years out. I still wanna review everything every year with you, reevaluate what's happening because the portfolio that is working now may not be required in the next couple of years or may need to alter or change. So we definitely wanna review that. There's also opportunities where you might get pay increases. We're hopefully looking to see changes to the the concessional cap as well. If the concessional cap increases, which is supposed to increase around about July there, we might be able to increase contributions in as well. So there's Yep. other things that we can definitely look at to keep you on track there. But as per the recommendations, this is where I see things going at the moment. Okay? Yep.","start_word":5354,"end_word":5483,"sentiment":"neutral","sentiment_score":0.156915566439812},{"text":"Perfect.","start_word":5484,"end_word":5484,"sentiment":"positive","sentiment_score":0.6309094429016113},{"text":"Do you have any questions? You're welcome to ask me some if you have if anything pops No. to mind.","start_word":5485,"end_word":5504,"sentiment":"neutral","sentiment_score":0.15105803310871124},{"text":"I'm pretty happy with with all that.","start_word":5505,"end_word":5511,"sentiment":"positive","sentiment_score":0.5054342746734619},{"text":"Has Lisa actually fully like, are you managing hers now? Or Not yet. I still have to prevent sorry. Present the advice to her. It is all ready yep. to Yep. go. It's just that she had to reschedule the last appointment. I believe her mom was unwell. Yes. She yep. And yeah. So we've got her booked in to present everything to her, and it's all ready to go. It's just a matter of making sure she's available for the time frame. But, honestly, it's okay. It won't be a problem. So Yep. yeah. Cool. Yep. Excel dropped K. the fee down too, won't it? There's a couple's Absolutely. fees. Yes. Yep. Yeah. Correct. So at the moment, Yep. your ongoing service is 1.65%. I have left it in there at that for That's the time being. fine. But Yeah. if Lisa comes on board, we'll obviously make sure yours is reduced back to 1.1 as well for you. Okay? Okay. Yeah. That will make a bit of difference too. Yeah. Yeah. Absolutely. Absolutely. So there are advantages, obviously, to the strategy, making sure rebalancing the portfolio does keep you in line with your risk profile. It is important that you're not overly taking on a lot of risk because markets are very volatile at the False. moment. Hold I have the moment. sort of Yep. been having a look. One of the things I do look at, just to kinda give you some information as well, is the VIX index, which essentially looks at it's a US index, but it looks at essentially the volatility that is expected that we're sort of seeing at the moment. And when the VIX index is over 20%, it basically shows that we are expecting over the next thirty days quite a bit of volatility and movement within the S and P 500, and everything kinda follows suit with that. They always say one of the most elusive things we hear in this industry is everyone says US catches a cold and Australia follows suit, and it's actually quite true. So what Yep. I like to follow the VIX index is sort of look at what the volatility is that we are expecting. And for the past week, it has been over 20%. It went upwards of twenty six percent one day and then dropped down to about 24%, but it has sort of stayed steadily over that 20%. So I do foresee for the next least month a bit of volatility out there.","start_word":5512,"end_word":5933,"sentiment":"neutral","sentiment_score":0.09205304845390729},{"text":"So we'll take advantage Yep.","start_word":5934,"end_word":5938,"sentiment":"positive","sentiment_score":0.34552961587905884},{"text":"of the downtimes that we see and make sure that our portfolios are working harder for you. But retaining Hub twenty four was the best way. I wanted to minimize the CGT impact as much as Yep. possible. So the retention of the fund was important.","start_word":5939,"end_word":5984,"sentiment":"neutral","sentiment_score":0.2230990529060364},{"text":"It's also easier.","start_word":5985,"end_word":5987,"sentiment":"positive","sentiment_score":0.4489988088607788},{"text":"Hub twenty four allows us options access to, like, 1,178 different investment options. So it Yes. does That's have freedom. access to make those Yeah. changes. Yeah. Yeah.","start_word":5988,"end_word":6015,"sentiment":"neutral","sentiment_score":0.22798791527748108},{"text":"Absolutely.","start_word":6016,"end_word":6016,"sentiment":"positive","sentiment_score":0.34024253487586975},{"text":"And just altering those couple of investments and rebalancing keeps you, in line there. It is important to note that markets do go up and down, so there is always the risks involved with the fact that we are utilizing past performance. That's why I wanna review things with you regularly to make sure we're on track. I definitely don't expect that you're gonna get 17% every single year out of the One. portfolio, Yep. but we know some years, you might get 20%. Other years, it might be 10%. Other years, it might be 2% and a negative return here and there. But if our contributions are going in, we're reinvesting and compounding. We can take advantage of those downtimes.","start_word":6017,"end_word":6137,"sentiment":"neutral","sentiment_score":0.05871441587805748},{"text":"And, overall, we should see everything working harder. And as I said, we'll review everything with you to make sure things are working.","start_word":6138,"end_word":6160,"sentiment":"positive","sentiment_score":0.3594343364238739},{"text":"And if we have to update the advice, which I definitely expect we will over the next couple of years, we'll just keep updating the advice for you. That's all part of what I do. Okay?","start_word":6161,"end_word":6196,"sentiment":"neutral","sentiment_score":0.1826595664024353},{"text":"Yep. Perfect. I will let you go through that.","start_word":6197,"end_word":6205,"sentiment":"positive","sentiment_score":0.4001249372959137},{"text":"Have a look at the advantages, disadvantages, the risks involved. Have a look at the the salary sacrifice component. Essentially, Yep. if you go forward with all of the advice, the way it will be implemented, we'll start by just completing the investment switch there for you so everything is moved and the investments are changed and the underlying for you. We'll give you the salary sacrifice letter for you to hand to your employer. They'll start that salary sacrifice when you tell them to do so.","start_word":6206,"end_word":6292,"sentiment":"neutral","sentiment_score":0.20327040553092957},{"text":"I Yep. did consider making it as a deductible contribution, but I like the way a salary sacrifice because your employer does it for you. So it takes the stress of you having to make that contribution on a regular basis away. It's just Yep. automating the process and having someone else do it for you can make it a lot easier.","start_word":6293,"end_word":6354,"sentiment":"positive","sentiment_score":0.5837135314941406},{"text":"And I could drop the text a little too, so that'll be handy. Yeah. Correct. Correct. The other thing is you are on a fairly high Wicked at the moment. So, you know, it does come out pretax, which means it can give you the benefit of reducing the income tax payable. And the tax and the contribution once put in the soup is only 15%, so you end up with more money invested. And as I kinda said, it's in best interest because starting that now has a greater compounding effect than if we start that in sort of seven or eight years' time. A 100 Yep. dollars compounding for ten years is much better than a $100 compounding for three years.","start_word":6355,"end_word":6477,"sentiment":"neutral","sentiment_score":0.1887518614530563},{"text":"So it's important that we take advantage of those now while we can, and it also provides a bit of a safety net for us as well.","start_word":6478,"end_word":6504,"sentiment":"positive","sentiment_score":0.4687504172325134},{"text":"Yep. Okay? Yeah. Do you have any questions there for me in relation to any of that at all? Yeah. I'm pretty sure you've got everything. I'll have you read that document Yep. and just sign that Yeah. and get that back to you. Legend.","start_word":6505,"end_word":6549,"sentiment":"neutral","sentiment_score":0.12666645844777424},{"text":"Thank you so much for that.","start_word":6550,"end_word":6555,"sentiment":"positive","sentiment_score":0.7967777848243713},{"text":"If you do wanna alter the salary sacrifice and match it all, on the last page, we do just have a text box where if there's any part of the advice you don't wish to proceed with, you just write a little note there as to what you don't wanna proceed with or any alterations you wanna make to the advice. If there's any issues and you have trouble doing that, just let me know.","start_word":6556,"end_word":6630,"sentiment":"neutral","sentiment_score":0.042438022792339325},{"text":"Email me, and I'm more than happy to make sure that's reflected for you.","start_word":6631,"end_word":6644,"sentiment":"positive","sentiment_score":0.37063026428222656},{"text":"But, yeah, I just Yep.","start_word":6645,"end_word":6649,"sentiment":"neutral","sentiment_score":0.18832659721374512},{"text":"wanted to go through this. I really enjoyed putting this together for you. I had a lot of fun projecting things out and looking at all the different options. Hello? So I really appreciate your time. And just if you find any questions come up from any of this, you're welcome to let me know at any point.","start_word":6650,"end_word":6707,"sentiment":"positive","sentiment_score":0.6368032097816467},{"text":"Okay? Okay.","start_word":6708,"end_word":6709,"sentiment":"neutral","sentiment_score":0.249051570892334},{"text":"Will do. Easy. Easy. Okay. Thank Thank you. you for your time. No worries, Scott. I hope you have a good day. Thank you so much for your time. Okay. You too.","start_word":6710,"end_word":6741,"sentiment":"positive","sentiment_score":0.6448532342910767},{"text":"Bye.","start_word":6742,"end_word":6742,"sentiment":"neutral","sentiment_score":0.33249303698539734},{"text":"Thanks. See you later.","start_word":6743,"end_word":6746,"sentiment":"positive","sentiment_score":0.539667010307312},{"text":"Bye.","start_word":6747,"end_word":6747,"sentiment":"neutral","sentiment_score":0.27877601981163025}],"average":{"sentiment":"neutral","sentiment_score":0.16688084320346824}}}}