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Is now still a good time? Fantastic. Are you able to jump into your emails there at all at the moment? Or yeah. All good. I'm just gonna email this document through to you. Sorry. Sorry. My throat's a little bit sore this morning, so I do apologize if I stopped briefly or if my voice starts to go. So just let me know if you need me to repeat anything. Sorry about that. Russ, before we jump into the call properly, just to let you know, we do record these calls for quality and training purposes. Moving forward, are you comfortable with me doing that? Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you. Yep. Beautiful. Thank you so much for that. Now just when that email does come through to you then, I'll send it to your y seven mail address. If you can just open that one up and let me know when you're looking at that statement of advice there. Fantastic. Now the first page there does note the statement of advice has been prepared by your for yourself, sorry, by my lovely team here at OZ Financial. The date on the document is the 05/12/2026. It's when we finally completed the document there for you, and our documents are valid for sixty days from the date on the front there. However, if anything changes and you take a bit more time to decide whether you're taking on the advice, you just let me know. We can always just update your circumstances. Okay? On the bottom of the front page here, it notes my license number for you. So I am a full license adviser. My representative number through OC Financial is 1304394. And as we go through the document, you'll note I've got the best interest duty. So it's really important that any advice we do provide is there to help you meet your goals. We're looking after your super, and this is, you know, everything you've worked very hard for up until point and will continue to work hard for moving forward. So it is really important that we now understand what your goals are, that the advice is related back to your goals, and that it is being provided in best interest to help you keep your super work as hard as possible for as long as possible. Okay? So we've limited the scope on this advice document. If you keep scrolling down a few pages there, you'll see we're scoping in our superannuation. So, realistically, you're not working at the moment still on workers' compensation. So we are looking to your goal at the moment is to keep working as long as possible once you're able to return to work, if you're able to return to work, and we wanna keep you super working a bit harder. We did sort of talk about reducing the risk level, and I did do a lot of research as per our last conversation around what that might look like, noting that because your insurance premiums are quite high, a lot of the research I was able to do does show your super does deplete over time. So I've been trying to find a way to be able to keep the money invested, keep it working harder for you in the best possible portfolio, but also possibly have an intermittent contributions to kind of help offset that a little bit there. So I'll take you through what I've done at the bottom here. But I have factored in the superannuation side of things. We are also factoring in the estate planning. Your beneficiaries were a confirmed sign on your super. However, we're just making a note in here that we do recommend you speak to our solicitor and make sure your will and power of attorneys are established and or updated on a regular basis there as well. Okay? We have next page down on page number six is the limited scope. So with your insurance policies, your life and CBD there, you wanted to keep those for the next twelve months to see what happens after you've had your twelve months review from your surgery. We will wanna look at reviewing this down the track there. These insurance policies are just gonna keep getting more and more expensive, and I do not want them to deplete your super back to nothing. So I'll make sure moving forward that we do get to catch up and review the insurances and look at what we can do down the track here. Okay? Out of scope areas are trauma and insure income protection. So you don't have those parts of cover at the moment. Because you are not working, we're not gonna be able to get income protection until you're able to go back to work, and trauma again. Whilst we can probably get some trauma, because you are receiving that workers' compensation, it's probably not best to be increasing your expenditure out of pocket, and they can be paying more for insurances. So we're scoping those out for now, but we can always talk about those down the track when you're able to or wanting to discuss those in further details. Okay? Perfect. To make this a bit easier, I've got the about you section on page number nine. So if you can just run your eyes over that for me, is there any major changes to any of those details? No. You know, state of birth and things may not have been updated, but is there any major changes to any of the other information that I could update for you at all? Yep. Beautiful. And you're getting 1,200 per week from workers' compensation, aren't you? Yep. Yep. Perfect. On the next page, we've outlined your assets as noted on the last tax line that we were able to complete. I know with your savings, there could be some changes to that. But is there anything major on here that we should update in the back end for you? That's okay? Beautiful. The next page outlines your current superannuation balance as of the date of the document there and your insurance policy that you have at the moment with your license TBD. To make things a little bit easier, I'm gonna skip through a couple of pages. I'll let you go back and have a really good read of the document thereafter as well so you can run your eyes over it and take it all in. But if I can just get you to scroll down to page number 20 for me, we'll sort of start here. I'll take you through the recommendations and show you the bulk of what I'm I'm recommending we do there for you. Okay? Perfect. Now as I'm going through this, Ross, if you do find you wanna ask any questions, just tell me to stop and let me know, and you're welcome to ask anything you like. Okay? All good. Now with your superannuation at the moment, I did go back and have a look at the investment the way they were working for you, and I am recommending a few additional changes. So, essentially, what we are recommending is just a bit of a rebalance. So one of the important things and why we like to rebalance your super is essentially because when we make a recommendation initially and say, if we had as initially recommended you hold 10% of all these different investments, over the course of time, some investments are gonna increase faster or more than others, which changes the level of risk that you're taking, but it also does tend to change the way the investments work for you and the and the returns. So what I'm recommending we do is just make quick rebalance of your super. Just because some of your investments have done a little bit better than others, you're overexposed in certain areas, which means you are taking a bit more risk in certain areas there as well. I'm also rebalancing this because I'm able to I found a way to reduce your risk level a little bit. So when we kinda spoke last time, you were in that high growth environment. So, essentially, within your portfolio at the moment, you're taking you've got about 98.4% in growth investment. So you are taking a lot of risk in the market having more of those higher risk investments like Australian equities, international equities, property, and alternatives like gold as well. Those are the investments that take on a bit more risk, and they do fluctuate or go up and down a lot more drastically. They're the ones that make us quite nervous. So I was able to reduce your exposure from those from 98.4% back to 86%. I know last time you and I spoken, it was hard to sort of I'm trying to find a portfolio that would reduce your risk level a little bit, but I would also provide returns to sort of look after your super balance. We weren't able to reduce it down to the balance growth environment that you originally wanted to because if I had had done that by reducing those risk level as much, you reduce the returns very heavily. And it was just seeing your super get eaten away in the next one, two to three to four years. So I tried to find a way to reduce the risk level for you, but also making sure that the portfolio had shown past performance so we can try to make sure those returns are keeping up and keeping your super working forward. Does that make sense? Yeah. So this portfolio here, we are able to reduce it down. It's about a 10% drop essentially in the risk level that you are taking there. We're able to just buy into a bit of physical gold there a bit. We wanna make sure that you've got about 10% in physical gold. We also wanna make sure that you've got the beta shares a 200 in there. So we're just gonna sell off a little bit of that to bring you back to 20 percent. We've also got some beta shares cybersecurity. We're gonna sell off a bit of that and bring you back to 5%. We've also got the European shares. We wanna buy in a little bit more of those, bring you up to 8%. The iShares Misky is a bit more of a European exposure there. We're selling off all of that for you, just removing that. A bit of Japan exposure there, we're gonna sell off, make sure you've only got about 5% of that. The S and P 500, The US exposure, you are a bit overexposed in there at the moment, so we're just gonna pull that back to about seven point, sorry, to about 30% and sell a bit over $700 of that. With the Vanguard All World US, we're gonna buy in. Don't have any of it at the moment, so we're gonna buy into that for you. It's part of giving you diversified global in exposure. So one of the big ways that we can look to reduce risk is by diversifying and making sure you're invested in lots of different asset classes, like growth and defensive investment shares and and gold and silver as well as bonds and fixed interest, but also making sure we look at not just Australia and The US and the European markets, but the entire world that takes advantage of Australian markets, Italian markets, you know, all of the European areas plus the Asian countries, and making sure that we're in not only the markets that are already well established, but also up and coming markets as well. And the Vanguard All World ex US, so this this doesn't include The US because you've got the S and P 500 exposure there, helps to give you diversification across the entire globe minus The US there. So I'm trying to diversify, but also make sure it's a cost effective portfolio and try to reduce the cost a bit for you as well. Does that make sense? Yeah. Perfect. And then we've got the iShares core composite fund there. So you don't have any at the moment, and we're just gonna invest about 8% and sorry. 8,700 and have about 14% in there as well. And that's essentially more of those diversified defensive investments. So this is seen as more of a low risk investment, core composite bonds. It utilizes government as well as corporate bonds. It also looks at bank notes and other fixed interests across the globe as well. So it's not just here in Australia. This investment is investing globally as well for you. So adding to the diversification, and it's also increasing those defensive assets a little bit to helping to reduce your risk level in the portfolio. Okay? Yeah. The next page is outlined that we are gonna keep a little bit of cash. So within your portfolio, we need to keep a bit over 1% of cash in there. So we're just going to essentially buy in about $221.33 from your cash account into those investments. So you'll only have about $700 in cash. Essentially, with your super fund, keeping money in cash doesn't really earn much of an interest rate. It does tend to cost more money to have money sitting in cash. So we essentially just wanna keep a minimum cash target in your super cash account and have the rest of the money invested across this portfolio for you. Okay? Yeah. So, essentially, on the next page there, you'll see it's got a little bit of a a pie chart there. And if you just look at the third column across, it's got the proposed. It's essentially reducing your risk level by reducing your growth assets from 98.4 down to 86%, and then we're increasing those defensive assets from 1.6 to about 14% there for you. So it's looking to reduce that risk level a little bit, but also make sure that we're rebalancing your portfolio, and also bringing up some of those defensive assets for you just for the time being. Okay? All good. If you look at the next page, this is page number 23. You've got the fee comparison table there. It's important I kinda take you through the advantages here that we are able to reduce your risk level, but there are obviously disadvantages and risks involved in doing so. So at the with the fee comparison table there, you've got your current column, and that essentially shows your current balance there with all the administration fees, investment fees, any other fees applicable to the account, the ongoing service fee there as well. You're not currently making any contributions, and you do have your insurance premiums noted. At the moment, you are in that high growth environment there. And with the five g rolling average, this portfolio has averaged about 11.63%. Obviously, with the depending on market conditions, you don't get that every year, but this is sort of showing you what this has averaged over the last five years there. Okay? With the recommendations, I'm recommending that we do keep NetWell. I didn't wanna kinda move to any other any other platforms. I did look at cheaper and other platforms. The biggest thing with moving the platforms is that we do have to sell that over your investment. So it does mean there's a larger capital gains consequence for your super. Your super fund, just like you and I do every year, does a tax return for your fund. So they do pay income tax, capital gains tax every year. So we wanted to limit that. The bigger the capital gains tax, the less you end up with at the end of the day. So I wanted to try and limit that as much as possible. So with the recommended change of reducing that risk and altering your portfolio slightly, the CGT expectation for this is about a $116, so I was able to minimize that as much as possible. Okay? You'll see the administration fees don't change because we're not changing it from Netwealth at all. But with the newer portfolio, it is making a slight change in the investment fees. It's actually gonna be about $6 less. It's only a small amount less than what you're currently paying in in investment fees. But, look, $6 when you consider that compounded over the next seventeen years towards the age of 60, that essentially does compound quite high and can make a significant difference there for you. So I also wanted to try and reduce the fees as much as we possibly could. Alright? The ongoing service fee still comes out. It's only very minimal for this. Your balance is much smaller. With the contribution, so the other thing we did talk about was that I did wanna try and look at being able to make some sort of contributions to the fund. Essentially, with this, I'm recommending that you do make a contribution to your super fund of about $25 per week. So it's essentially $1,200 per year or a $100 per month, which is something that you may mentioned you were fairly comfortable trying to do. The really important thing is because, like, I'm trying to reduce the risk and make your super fund work. With your insurance premiums being so high, I looked at so many different options. I looked at not not changing your portfolio and keeping it high risk. We also looked at not making contributions versus making contributions. They even tried looking at whether I roll you out to an industry fund which could be cheaper as well. But all of those scenarios essentially made it that you were gonna be worse off in time and also taking on a very high level of risk there. So the best scenario was to be able to contribute a bit of money to your super fund, and doing it as a $100 on a monthly basis or something as simple $25 per week if we break it down that way. It means that you're transferring money in on a regular basis, which can help to offset some of the insurance premiums, but that money is also invested. So it is also helping to create growth from your super fund there. Okay? Essentially, you'll see the figure there as 1,020. This is taking into account the tax side of things. So I'm recommending there are different ways to make contributions, but I'm recommending that you do make these as a deductible contribution. So it means that we can get you to transfer the money. We you can set it up as a regular b pay amount. We can send you the information, or you can do it manually every month or every week depending on your how comfortable you are. Or we can do it as a one off transaction at the end of the final two year. That's completely fine too. We'll work with what your comfort level is there. So with the contributions, they'll go in from your bank account. They go into your fund as an after tax contribution. At the end of the year, at the end of the financial year in about July, we'll do what's called a notice of intent for you. So because you're on workers' compensation, it's still technically taxable income. So what we can do is with this these funds in your super, we can claim a notice of intent that essentially tells your super fund that you're planning to claim a tax deduction for the funds that you've put into the, into the super fund. They will then change the contribution and claim that notice of intent. And the $1,200 that you've put into super, you can then let your accountant know at the end of the year that you've made the contribution and that you'll be able to claim that back on your tax return as well. So you're putting money into Safa, but it's also giving you a tax deduction at the end of the year. Does that make sense? Yeah. Yeah. Yeah. Correct. So it's about just sort of finding ways to give you a little bit of a benefit, but also making sure that we can help you super as well. Because the last thing I want is for your super to be depleted. Okay? Easy. Underneath that, the investor profile, you'll see this is essentially the growth portfolio, so it is reducing your risk level a little bit. You will see there that the five year rolling average, because we are reducing the risk level a little bit, it does obviously affect the returns, and the returns have been reduced just slightly. So it's about 0.6% over the last five years in the difference in the return. It goes from 11.63 to 11.03. By doing all of this, you can sort of see over the next twelve months, and this is kind of where I'm focused at the moment, by reducing your risk and still getting a good return, by keeping your insurance premiums, but also being able to contribute and saving on some of those fees, we've been able to try to, with with the projected outcome, keep your super working a little bit harder. So so long as we can get a good return as depending on what the markets do over the next twelve months with the contributions going in there as well. You can sort of see it does keep you in a good position. Your balance does deplete slightly from where it is now, but we're still keeping it going. So it's not depleting as much as what it what it could with out those additional contributions in there. Does that make sense? Yeah. So just trying to limit how much it's depleting and try to keep it working harder. So we want the markets to perform well to give you enough growth to cover the insurance premiums and utilize some contributions to try and offset that as well so that we can keep you super working harder. At the moment, yeah. Yeah. If it continues going, I mean, with this, you can see in five years, you're still expected to have about 59,000 in there, which is good. With some of the other projections I've looked at, it showed in the next five years, you could essentially only end up with about 40 odd thousand in there. So this has sort of been the best way to keep it working harder. It is still depleting, but not depleting as much. What I do wanna do and I've also made a little disclaimer in the bottom here. This strategy is meant to be a short term approach. What I kind of wanna do is make sure that I keep catching up with you throughout the year. And in twelve months, when we know what's happening with your work or your workers' compensation and what's happening with your health, let's readjust and reevaluate this. This was yeah. I just wanted to sort of see where we could go and what we could do for one year to sort of help you along, keep your super as high as we possibly can, and then we reevaluate it in twelve months because we're gonna need to alter and adjust this strategy a bit more regularly to make sure that you don't lose it. Okay? All good. If you at the bottom of the next side, halfway down the next page, you'll see another little table there. It's got your current and recommended as per the above, but it also has an extra column showing no insurances. This is not something we would wanna do right now because there is a risk that you might need to claim on your TPD cover. But if you were not paying any insurances out of your super at all, over the next five years, you can see the difference. So insurance premiums are having quite an effect on your super. And you could see if you weren't paying any insurances and were able to still get the growth that we have above, you could've you could end up with about 88,190 in five years. So we just sort of put this table in here to show you the effective insurance premiums on your super because insurance premiums do have an effect long term, and they do get more and more expensive as you get older as well. So, we'll just keep reviewing those and keep looking at things, and I do wanna update this plan definitely in twelve months, if not before, to see how things are going for you. Does that make sense? Yeah. Do you have any questions? No? Yep. Beautiful. Beautiful. I wanted to sort of show you this. I didn't wanna give you a plan that was just gonna eat away all your sleepers. So we've done the best we can to try and make sure it continues working. I even looked at moving back to industry funds and whatever else we can do there, but it just it still was being eaten away. It was putting you in a worse position. So at least this way, we can still look after it, still keep watching it. We can catch up every couple of months and see how you're going, and then we can update the advice and look at what we do next for you as well. Okay? All good. The next couple of pages do also go through a bit more around that deductible contribution. It is really important that you go through. Have a bit of a read of those. I've got an outline for you the advantages, the disadvantages, and the risks involved with this having using a deductible contribution, it does mean the funds are coming out of your bank account. So it's either really important that you're able to make that contribution manually or that you set up a regular direct debit or BPAY, and we can give you the information so it can be set up. So every week or once a month or however often you would like it to happen, it does come out and continue to go into super. That way, you do get the benefits of doing so. The downside is the funds do go into super. So it does mean that they are locked away in super, and you're not able to access them until you meet a condition of release. But we've tried to make it as minimal as possible and within your comfort level to make sure that it's working for you. Okay? Excellent. With the notice of intent, once we see the contributions going in, myself and my team will make sure we contact you every July to make sure that you're able to, you know, see if you're still comfortable making that claiming the notice of intent, and we'll help you to do that. Essentially, you just sign the form. We submit it to Netwealth. They'll organize it, and then we'll provide you with the confirmation to hand to your accountant, and that will all work for you. In the appendices that I do have attached there as well, if you decide not to claim the notice of intent, you don't then get the the deduction on your income tax. But it does mean that you do leave that full $12,000 inside super, which means more money is invested. And that can, over the next sort of one to five years, place you in a better position than what has been recommended. The reason I recommended we do the notice of intent is that because you are still, you know, you're still receiving taxable income, essentially, still gonna do a tax return. This gives you a little bit more of a tax deduction. So that might give you a little bit of a bonus or a refund at the end of the financial year, which would be a benefit for you. Okay? Yeah. Do you have any questions? You're welcome to ask me anything you like. It's all good. Attached to your email, you will see the appendices. I've outlined a lot of the alternatives. I've considered so you're welcome to run your eyes over that. Ross, if you do have questions around any of those, do let me know. Okay? All good. I've also got in there just the information around the will and the power of attorney. It's really important that we do make sure that you set up a a will and a power of attorney. Those are done by solicitors, not by us, but we do refer you to a solicitor for the setting up of those. I'm not sure if we have in the past, but we can always email through some information on the local solicitor we use. Alternatively, because this is discussing very sensitive information around estate planning, if you do have a local solicitor you're comfortable speaking to and organizing that, then I do recommend you speak to them as well. So I'm just making sure that everything is set up in the event that something was to happen. And even for the future as well, I do know quite a lot of clients who have passed away in their eighties and nineties and still haven't had a will in place, and then going through the probate process can be a lot for someone's family. Okay? Excellent. It's just that retaining your insurances as they are. We'll review those in the next few months as well. And then just letting you know as well, we've got the ongoing service agreement attached there for you. So having us look after your social, you do pay us an ongoing service fee. It is 1.65% per annum. That is the yearly figure, and it's deducted on a a smaller scale on a monthly basis from your super. I'll make sure that I keep sort of monitoring things with you, and we'll do a bit of a catch up in the next few months there as well. But I've got the ongoing service agreement attached to the the DocuSign there for you to sign and return back for me. And then I've also attached the tax file opt in form. So we just like to make sure that you're aware of the information we hold on you because we set you see that any insurance is up. We hold your tax file number, and we just wanna make sure we get the consent to continue holding that and make sure you're aware of the information that we do hold there for you and the security that we undertake to protect that information. Okay. All good. Is there any questions? Do you have any questions, concerns, or anything that you kinda wanted to bring up with me, or did you just wanna take some time to read it over? Or we're all good. Beautiful. I was glad I was able to come up with a plan, and my last conversation wasn't the best. And I do apologize. It's not something I wanted to do, but I wanted to sort of, you know, talk to you about where we were going and what we were looking at and come up with the best possible strategy to help you knowing that this is a short term strategy, and we'll definitely look at focusing on things a bit more down the track for you as well. Okay? All good. Have a read through it. Let me know if there's any questions. We'll just get you to sign and return it back so we can make those changes there for you. With the catch up, would you like me to do a catch up with you in about three months, six months? What's what's the preference for yourself there, Ross? Yeah. Absolutely. Three months. I'll pop a catch up in the system. My admin team member will give you a call in three months to book in a time and see how things are going. And if you need anything in the meantime, please don't ever hesitate. Let me know. I will book in time, day or night, to assist you and have a chat. Okay? All good. Thank you so much for your time today. I really appreciate it. And do you have any other plans or anything you got going on today? Are you just gonna rest? Sounds good. What are you watching? Anything fun? I love that. That's good. Oh, fantastic. Well, hopefully, you have a good aft a good day, a good afternoon, and, yeah, I'll make sure we touch base. Okay? Let me know if there's any questions in relation to any part of the document there for you. Okay. My pleasure, Ross. You have a good hour. Talk to you soon. See you later. 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Ross. This is Dana from Ocean Financial. How are you this morning? I'm very well. Thank you.\n\nVery well. I have your updated statement of advice to run through with you this morning. Is now still a good time? Fantastic. Are you able to jump into your emails there at all at the moment?\n\nOr yeah. All good. I'm just gonna email this document through to you. Sorry. Sorry.\n\nMy throat's a little bit sore this morning, so I do apologize if I stopped briefly or if my voice starts to go. So just let me know if you need me to repeat anything. Sorry about that. Russ, before we jump into the call properly, just to let you know, we do record these calls for quality and training purposes. Moving forward, are you comfortable with me doing that?\n\nFantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you. Yep. Beautiful. Thank you so much for that.\n\nNow just when that email does come through to you then, I'll send it to your y seven mail address. If you can just open that one up and let me know when you're looking at that statement of advice there. Fantastic. Now the first page there does note the statement of advice has been prepared by your for yourself, sorry, by my lovely team here at OZ Financial. The date on the document is the 05/12/2026.\n\nIt's when we finally completed the document there for you, and our documents are valid for sixty days from the date on the front there. However, if anything changes and you take a bit more time to decide whether you're taking on the advice, you just let me know. We can always just update your circumstances. Okay? On the bottom of the front page here, it notes my license number for you.\n\nSo I am a full license adviser. My representative number through OC Financial is 1304394. And as we go through the document, you'll note I've got the best interest duty. So it's really important that any advice we do provide is there to help you meet your goals. We're looking after your super, and this is, you know, everything you've worked very hard for up until point and will continue to work hard for moving forward.\n\nSo it is really important that we now understand what your goals are, that the advice is related back to your goals, and that it is being provided in best interest to help you keep your super work as hard as possible for as long as possible. Okay? So we've limited the scope on this advice document. If you keep scrolling down a few pages there, you'll see we're scoping in our superannuation. So, realistically, you're not working at the moment still on workers' compensation.\n\nSo we are looking to your goal at the moment is to keep working as long as possible once you're able to return to work, if you're able to return to work, and we wanna keep you super working a bit harder. We did sort of talk about reducing the risk level, and I did do a lot of research as per our last conversation around what that might look like, noting that because your insurance premiums are quite high, a lot of the research I was able to do does show your super does deplete over time. So I've been trying to find a way to be able to keep the money invested, keep it working harder for you in the best possible portfolio, but also possibly have an intermittent contributions to kind of help offset that a little bit there. So I'll take you through what I've done at the bottom here. But I have factored in the superannuation side of things.\n\nWe are also factoring in the estate planning. Your beneficiaries were a confirmed sign on your super. However, we're just making a note in here that we do recommend you speak to our solicitor and make sure your will and power of attorneys are established and or updated on a regular basis there as well. Okay? We have next page down on page number six is the limited scope.\n\nSo with your insurance policies, your life and CBD there, you wanted to keep those for the next twelve months to see what happens after you've had your twelve months review from your surgery. We will wanna look at reviewing this down the track there. These insurance policies are just gonna keep getting more and more expensive, and I do not want them to deplete your super back to nothing. So I'll make sure moving forward that we do get to catch up and review the insurances and look at what we can do down the track here. Okay?\n\nOut of scope areas are trauma and insure income protection. So you don't have those parts of cover at the moment. Because you are not working, we're not gonna be able to get income protection until you're able to go back to work, and trauma again. Whilst we can probably get some trauma, because you are receiving that workers' compensation, it's probably not best to be increasing your expenditure out of pocket, and they can be paying more for insurances. So we're scoping those out for now, but we can always talk about those down the track when you're able to or wanting to discuss those in further details.\n\nOkay? Perfect. To make this a bit easier, I've got the about you section on page number nine. So if you can just run your eyes over that for me, is there any major changes to any of those details? No.\n\nYou know, state of birth and things may not have been updated, but is there any major changes to any of the other information that I could update for you at all? Yep. Beautiful. And you're getting 1,200 per week from workers' compensation, aren't you? Yep.\n\nYep. Perfect. On the next page, we've outlined your assets as noted on the last tax line that we were able to complete. I know with your savings, there could be some changes to that. But is there anything major on here that we should update in the back end for you?\n\nThat's okay? Beautiful. The next page outlines your current superannuation balance as of the date of the document there and your insurance policy that you have at the moment with your license TBD. To make things a little bit easier, I'm gonna skip through a couple of pages. I'll let you go back and have a really good read of the document thereafter as well so you can run your eyes over it and take it all in.\n\nBut if I can just get you to scroll down to page number 20 for me, we'll sort of start here. I'll take you through the recommendations and show you the bulk of what I'm I'm recommending we do there for you. Okay? Perfect. Now as I'm going through this, Ross, if you do find you wanna ask any questions, just tell me to stop and let me know, and you're welcome to ask anything you like.\n\nOkay? All good. Now with your superannuation at the moment, I did go back and have a look at the investment the way they were working for you, and I am recommending a few additional changes. So, essentially, what we are recommending is just a bit of a rebalance. So one of the important things and why we like to rebalance your super is essentially because when we make a recommendation initially and say, if we had as initially recommended you hold 10% of all these different investments, over the course of time, some investments are gonna increase faster or more than others, which changes the level of risk that you're taking, but it also does tend to change the way the investments work for you and the and the returns.\n\nSo what I'm recommending we do is just make quick rebalance of your super. Just because some of your investments have done a little bit better than others, you're overexposed in certain areas, which means you are taking a bit more risk in certain areas there as well. I'm also rebalancing this because I'm able to I found a way to reduce your risk level a little bit. So when we kinda spoke last time, you were in that high growth environment. So, essentially, within your portfolio at the moment, you're taking you've got about 98.4% in growth investment.\n\nSo you are taking a lot of risk in the market having more of those higher risk investments like Australian equities, international equities, property, and alternatives like gold as well. Those are the investments that take on a bit more risk, and they do fluctuate or go up and down a lot more drastically. They're the ones that make us quite nervous. So I was able to reduce your exposure from those from 98.4% back to 86%. I know last time you and I spoken, it was hard to sort of I'm trying to find a portfolio that would reduce your risk level a little bit, but I would also provide returns to sort of look after your super balance.\n\nWe weren't able to reduce it down to the balance growth environment that you originally wanted to because if I had had done that by reducing those risk level as much, you reduce the returns very heavily. And it was just seeing your super get eaten away in the next one, two to three to four years. So I tried to find a way to reduce the risk level for you, but also making sure that the portfolio had shown past performance so we can try to make sure those returns are keeping up and keeping your super working forward. Does that make sense? Yeah.\n\nSo this portfolio here, we are able to reduce it down. It's about a 10% drop essentially in the risk level that you are taking there. We're able to just buy into a bit of physical gold there a bit. We wanna make sure that you've got about 10% in physical gold. We also wanna make sure that you've got the beta shares a 200 in there.\n\nSo we're just gonna sell off a little bit of that to bring you back to 20 percent. We've also got some beta shares cybersecurity. We're gonna sell off a bit of that and bring you back to 5%. We've also got the European shares. We wanna buy in a little bit more of those, bring you up to 8%.\n\nThe iShares Misky is a bit more of a European exposure there. We're selling off all of that for you, just removing that. A bit of Japan exposure there, we're gonna sell off, make sure you've only got about 5% of that. The S and P 500, The US exposure, you are a bit overexposed in there at the moment, so we're just gonna pull that back to about seven point, sorry, to about 30% and sell a bit over $700 of that. With the Vanguard All World US, we're gonna buy in.\n\nDon't have any of it at the moment, so we're gonna buy into that for you. It's part of giving you diversified global in exposure. So one of the big ways that we can look to reduce risk is by diversifying and making sure you're invested in lots of different asset classes, like growth and defensive investment shares and and gold and silver as well as bonds and fixed interest, but also making sure we look at not just Australia and The US and the European markets, but the entire world that takes advantage of Australian markets, Italian markets, you know, all of the European areas plus the Asian countries, and making sure that we're in not only the markets that are already well established, but also up and coming markets as well. And the Vanguard All World ex US, so this this doesn't include The US because you've got the S and P 500 exposure there, helps to give you diversification across the entire globe minus The US there. So I'm trying to diversify, but also make sure it's a cost effective portfolio and try to reduce the cost a bit for you as well.\n\nDoes that make sense? Yeah. Perfect. And then we've got the iShares core composite fund there. So you don't have any at the moment, and we're just gonna invest about 8% and sorry.\n\n8,700 and have about 14% in there as well. And that's essentially more of those diversified defensive investments. So this is seen as more of a low risk investment, core composite bonds. It utilizes government as well as corporate bonds. It also looks at bank notes and other fixed interests across the globe as well.\n\nSo it's not just here in Australia. This investment is investing globally as well for you. So adding to the diversification, and it's also increasing those defensive assets a little bit to helping to reduce your risk level in the portfolio. Okay? Yeah.\n\nThe next page is outlined that we are gonna keep a little bit of cash. So within your portfolio, we need to keep a bit over 1% of cash in there. So we're just going to essentially buy in about $221.33 from your cash account into those investments. So you'll only have about $700 in cash. Essentially, with your super fund, keeping money in cash doesn't really earn much of an interest rate.\n\nIt does tend to cost more money to have money sitting in cash. So we essentially just wanna keep a minimum cash target in your super cash account and have the rest of the money invested across this portfolio for you. Okay? Yeah. So, essentially, on the next page there, you'll see it's got a little bit of a a pie chart there.\n\nAnd if you just look at the third column across, it's got the proposed. It's essentially reducing your risk level by reducing your growth assets from 98.4 down to 86%, and then we're increasing those defensive assets from 1.6 to about 14% there for you. So it's looking to reduce that risk level a little bit, but also make sure that we're rebalancing your portfolio, and also bringing up some of those defensive assets for you just for the time being. Okay? All good.\n\nIf you look at the next page, this is page number 23. You've got the fee comparison table there. It's important I kinda take you through the advantages here that we are able to reduce your risk level, but there are obviously disadvantages and risks involved in doing so. So at the with the fee comparison table there, you've got your current column, and that essentially shows your current balance there with all the administration fees, investment fees, any other fees applicable to the account, the ongoing service fee there as well. You're not currently making any contributions, and you do have your insurance premiums noted.\n\nAt the moment, you are in that high growth environment there. And with the five g rolling average, this portfolio has averaged about 11.63%. Obviously, with the depending on market conditions, you don't get that every year, but this is sort of showing you what this has averaged over the last five years there. Okay? With the recommendations, I'm recommending that we do keep NetWell.\n\nI didn't wanna kinda move to any other any other platforms. I did look at cheaper and other platforms. The biggest thing with moving the platforms is that we do have to sell that over your investment. So it does mean there's a larger capital gains consequence for your super. Your super fund, just like you and I do every year, does a tax return for your fund.\n\nSo they do pay income tax, capital gains tax every year. So we wanted to limit that. The bigger the capital gains tax, the less you end up with at the end of the day. So I wanted to try and limit that as much as possible. So with the recommended change of reducing that risk and altering your portfolio slightly, the CGT expectation for this is about a $116, so I was able to minimize that as much as possible.\n\nOkay? You'll see the administration fees don't change because we're not changing it from Netwealth at all. But with the newer portfolio, it is making a slight change in the investment fees. It's actually gonna be about $6 less. It's only a small amount less than what you're currently paying in in investment fees.\n\nBut, look, $6 when you consider that compounded over the next seventeen years towards the age of 60, that essentially does compound quite high and can make a significant difference there for you. So I also wanted to try and reduce the fees as much as we possibly could. Alright? The ongoing service fee still comes out. It's only very minimal for this.\n\nYour balance is much smaller. With the contribution, so the other thing we did talk about was that I did wanna try and look at being able to make some sort of contributions to the fund. Essentially, with this, I'm recommending that you do make a contribution to your super fund of about $25 per week. So it's essentially $1,200 per year or a $100 per month, which is something that you may mentioned you were fairly comfortable trying to do. The really important thing is because, like, I'm trying to reduce the risk and make your super fund work.\n\nWith your insurance premiums being so high, I looked at so many different options. I looked at not not changing your portfolio and keeping it high risk. We also looked at not making contributions versus making contributions. They even tried looking at whether I roll you out to an industry fund which could be cheaper as well. But all of those scenarios essentially made it that you were gonna be worse off in time and also taking on a very high level of risk there.\n\nSo the best scenario was to be able to contribute a bit of money to your super fund, and doing it as a $100 on a monthly basis or something as simple $25 per week if we break it down that way. It means that you're transferring money in on a regular basis, which can help to offset some of the insurance premiums, but that money is also invested. So it is also helping to create growth from your super fund there. Okay? Essentially, you'll see the figure there as 1,020.\n\nThis is taking into account the tax side of things. So I'm recommending there are different ways to make contributions, but I'm recommending that you do make these as a deductible contribution. So it means that we can get you to transfer the money. We you can set it up as a regular b pay amount. We can send you the information, or you can do it manually every month or every week depending on your how comfortable you are.\n\nOr we can do it as a one off transaction at the end of the final two year. That's completely fine too. We'll work with what your comfort level is there. So with the contributions, they'll go in from your bank account. They go into your fund as an after tax contribution.\n\nAt the end of the year, at the end of the financial year in about July, we'll do what's called a notice of intent for you. So because you're on workers' compensation, it's still technically taxable income. So what we can do is with this these funds in your super, we can claim a notice of intent that essentially tells your super fund that you're planning to claim a tax deduction for the funds that you've put into the, into the super fund. They will then change the contribution and claim that notice of intent. And the $1,200 that you've put into super, you can then let your accountant know at the end of the year that you've made the contribution and that you'll be able to claim that back on your tax return as well.\n\nSo you're putting money into Safa, but it's also giving you a tax deduction at the end of the year. Does that make sense? Yeah. Yeah. Yeah.\n\nCorrect. So it's about just sort of finding ways to give you a little bit of a benefit, but also making sure that we can help you super as well. Because the last thing I want is for your super to be depleted. Okay? Easy.\n\nUnderneath that, the investor profile, you'll see this is essentially the growth portfolio, so it is reducing your risk level a little bit. You will see there that the five year rolling average, because we are reducing the risk level a little bit, it does obviously affect the returns, and the returns have been reduced just slightly. So it's about 0.6% over the last five years in the difference in the return. It goes from 11.63 to 11.03. By doing all of this, you can sort of see over the next twelve months, and this is kind of where I'm focused at the moment, by reducing your risk and still getting a good return, by keeping your insurance premiums, but also being able to contribute and saving on some of those fees, we've been able to try to, with with the projected outcome, keep your super working a little bit harder.\n\nSo so long as we can get a good return as depending on what the markets do over the next twelve months with the contributions going in there as well. You can sort of see it does keep you in a good position. Your balance does deplete slightly from where it is now, but we're still keeping it going. So it's not depleting as much as what it what it could with out those additional contributions in there. Does that make sense?\n\nYeah. So just trying to limit how much it's depleting and try to keep it working harder. So we want the markets to perform well to give you enough growth to cover the insurance premiums and utilize some contributions to try and offset that as well so that we can keep you super working harder. At the moment, yeah. Yeah.\n\nIf it continues going, I mean, with this, you can see in five years, you're still expected to have about 59,000 in there, which is good. With some of the other projections I've looked at, it showed in the next five years, you could essentially only end up with about 40 odd thousand in there. So this has sort of been the best way to keep it working harder. It is still depleting, but not depleting as much. What I do wanna do and I've also made a little disclaimer in the bottom here.\n\nThis strategy is meant to be a short term approach. What I kind of wanna do is make sure that I keep catching up with you throughout the year. And in twelve months, when we know what's happening with your work or your workers' compensation and what's happening with your health, let's readjust and reevaluate this. This was yeah. I just wanted to sort of see where we could go and what we could do for one year to sort of help you along, keep your super as high as we possibly can, and then we reevaluate it in twelve months because we're gonna need to alter and adjust this strategy a bit more regularly to make sure that you don't lose it.\n\nOkay? All good. If you at the bottom of the next side, halfway down the next page, you'll see another little table there. It's got your current and recommended as per the above, but it also has an extra column showing no insurances. This is not something we would wanna do right now because there is a risk that you might need to claim on your TPD cover.\n\nBut if you were not paying any insurances out of your super at all, over the next five years, you can see the difference. So insurance premiums are having quite an effect on your super. And you could see if you weren't paying any insurances and were able to still get the growth that we have above, you could've you could end up with about 88,190 in five years. So we just sort of put this table in here to show you the effective insurance premiums on your super because insurance premiums do have an effect long term, and they do get more and more expensive as you get older as well. So, we'll just keep reviewing those and keep looking at things, and I do wanna update this plan definitely in twelve months, if not before, to see how things are going for you.\n\nDoes that make sense? Yeah. Do you have any questions? No? Yep.\n\nBeautiful. Beautiful. I wanted to sort of show you this. I didn't wanna give you a plan that was just gonna eat away all your sleepers. So we've done the best we can to try and make sure it continues working.\n\nI even looked at moving back to industry funds and whatever else we can do there, but it just it still was being eaten away. It was putting you in a worse position. So at least this way, we can still look after it, still keep watching it. We can catch up every couple of months and see how you're going, and then we can update the advice and look at what we do next for you as well. Okay?\n\nAll good. The next couple of pages do also go through a bit more around that deductible contribution. It is really important that you go through. Have a bit of a read of those. I've got an outline for you the advantages, the disadvantages, and the risks involved with this having using a deductible contribution, it does mean the funds are coming out of your bank account.\n\nSo it's either really important that you're able to make that contribution manually or that you set up a regular direct debit or BPAY, and we can give you the information so it can be set up. So every week or once a month or however often you would like it to happen, it does come out and continue to go into super. That way, you do get the benefits of doing so. The downside is the funds do go into super. So it does mean that they are locked away in super, and you're not able to access them until you meet a condition of release.\n\nBut we've tried to make it as minimal as possible and within your comfort level to make sure that it's working for you. Okay? Excellent. With the notice of intent, once we see the contributions going in, myself and my team will make sure we contact you every July to make sure that you're able to, you know, see if you're still comfortable making that claiming the notice of intent, and we'll help you to do that. Essentially, you just sign the form.\n\nWe submit it to Netwealth. They'll organize it, and then we'll provide you with the confirmation to hand to your accountant, and that will all work for you. In the appendices that I do have attached there as well, if you decide not to claim the notice of intent, you don't then get the the deduction on your income tax. But it does mean that you do leave that full $12,000 inside super, which means more money is invested. And that can, over the next sort of one to five years, place you in a better position than what has been recommended.\n\nThe reason I recommended we do the notice of intent is that because you are still, you know, you're still receiving taxable income, essentially, still gonna do a tax return. This gives you a little bit more of a tax deduction. So that might give you a little bit of a bonus or a refund at the end of the financial year, which would be a benefit for you. Okay? Yeah.\n\nDo you have any questions? You're welcome to ask me anything you like. It's all good. Attached to your email, you will see the appendices. I've outlined a lot of the alternatives.\n\nI've considered so you're welcome to run your eyes over that. Ross, if you do have questions around any of those, do let me know. Okay? All good. I've also got in there just the information around the will and the power of attorney.\n\nIt's really important that we do make sure that you set up a a will and a power of attorney. Those are done by solicitors, not by us, but we do refer you to a solicitor for the setting up of those. I'm not sure if we have in the past, but we can always email through some information on the local solicitor we use. Alternatively, because this is discussing very sensitive information around estate planning, if you do have a local solicitor you're comfortable speaking to and organizing that, then I do recommend you speak to them as well. So I'm just making sure that everything is set up in the event that something was to happen.\n\nAnd even for the future as well, I do know quite a lot of clients who have passed away in their eighties and nineties and still haven't had a will in place, and then going through the probate process can be a lot for someone's family. Okay? Excellent. It's just that retaining your insurances as they are. We'll review those in the next few months as well.\n\nAnd then just letting you know as well, we've got the ongoing service agreement attached there for you. So having us look after your social, you do pay us an ongoing service fee. It is 1.65% per annum. That is the yearly figure, and it's deducted on a a smaller scale on a monthly basis from your super. I'll make sure that I keep sort of monitoring things with you, and we'll do a bit of a catch up in the next few months there as well.\n\nBut I've got the ongoing service agreement attached to the the DocuSign there for you to sign and return back for me. And then I've also attached the tax file opt in form. So we just like to make sure that you're aware of the information we hold on you because we set you see that any insurance is up. We hold your tax file number, and we just wanna make sure we get the consent to continue holding that and make sure you're aware of the information that we do hold there for you and the security that we undertake to protect that information. Okay.\n\nAll good. Is there any questions? Do you have any questions, concerns, or anything that you kinda wanted to bring up with me, or did you just wanna take some time to read it over? Or we're all good. Beautiful.\n\nI was glad I was able to come up with a plan, and my last conversation wasn't the best. And I do apologize. It's not something I wanted to do, but I wanted to sort of, you know, talk to you about where we were going and what we were looking at and come up with the best possible strategy to help you knowing that this is a short term strategy, and we'll definitely look at focusing on things a bit more down the track for you as well. Okay? All good.\n\nHave a read through it. Let me know if there's any questions. We'll just get you to sign and return it back so we can make those changes there for you. With the catch up, would you like me to do a catch up with you in about three months, six months? What's what's the preference for yourself there, Ross?\n\nYeah. Absolutely. Three months. I'll pop a catch up in the system. My admin team member will give you a call in three months to book in a time and see how things are going.\n\nAnd if you need anything in the meantime, please don't ever hesitate. Let me know. I will book in time, day or night, to assist you and have a chat. Okay? All good.\n\nThank you so much for your time today. I really appreciate it. And do you have any other plans or anything you got going on today? Are you just gonna rest? Sounds good.\n\nWhat are you watching? Anything fun? I love that. That's good. Oh, fantastic.\n\nWell, hopefully, you have a good aft a good day, a good afternoon, and, yeah, I'll make sure we touch base. Okay? Let me know if there's any questions in relation to any part of the document there for you. Okay. My pleasure, Ross.\n\nYou have a good hour. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Ross.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.13337060809135437},{"text":"This is Dana from Ocean Financial.","start":3.6799998,"end":5.38,"sentiment":"neutral","sentiment_score":0.17100379119316736},{"text":"How are you this morning?","start":5.44,"end":6.66,"sentiment":"neutral","sentiment_score":0.25090024769306185},{"text":"I'm very well.","start":8.639999,"end":9.679999,"sentiment":"positive","sentiment_score":0.5618727207183838},{"text":"Thank you.","start":9.679999,"end":10.24,"sentiment":"positive","sentiment_score":0.7359674572944641}],"sentiment":"neutral","sentiment_score":0.31693434880839455,"num_words":18,"start":3.04,"end":10.24},{"sentences":[{"text":"Very well.","start":10.24,"end":11.059999,"sentiment":"positive","sentiment_score":0.6156092584133148},{"text":"I have your updated statement of advice to run through with you this morning.","start":11.2,"end":14.799999,"sentiment":"positive","sentiment_score":0.44016080668994356},{"text":"Is now still a good time?","start":14.799999,"end":18.205,"sentiment":"neutral","sentiment_score":0.2834323172767957},{"text":"Fantastic.","start":18.205,"end":18.705,"sentiment":"positive","sentiment_score":0.5328456163406372},{"text":"Are you able to jump into your emails there at all at the moment?","start":19.085001,"end":23.165,"sentiment":"neutral","sentiment_score":0.16262256460530417}],"sentiment":"neutral","sentiment_score":0.32171960094490565,"num_words":37,"start":10.24,"end":23.165},{"sentences":[{"text":"Or yeah.","start":23.165,"end":25.965,"sentiment":"neutral","sentiment_score":0.10434788092970847},{"text":"All good.","start":25.965,"end":26.365,"sentiment":"neutral","sentiment_score":0.3157132714986801},{"text":"I'm just gonna email this document through to you.","start":26.365,"end":29.025002,"sentiment":"neutral","sentiment_score":0.1654833952585856},{"text":"Sorry.","start":34.92,"end":35.42,"sentiment":"neutral","sentiment_score":-0.013264741748571396},{"text":"Sorry.","start":37.32,"end":37.8,"sentiment":"neutral","sentiment_score":-0.12102940678596497}],"sentiment":"neutral","sentiment_score":0.14634524757663409,"num_words":15,"start":23.165,"end":37.8},{"sentences":[{"text":"My throat's a little bit sore this morning, so I do apologize if I stopped briefly or if my voice starts to go.","start":37.8,"end":44.68,"sentiment":"neutral","sentiment_score":-0.25057981778746063},{"text":"So just let me know if you need me to repeat anything.","start":44.68,"end":46.815,"sentiment":"neutral","sentiment_score":-0.062377962904671826},{"text":"Sorry about that.","start":46.815,"end":47.795,"sentiment":"neutral","sentiment_score":-0.1813837339480718},{"text":"Russ, before we jump into the call properly, just to let you know, we do record these calls for quality and training purposes.","start":49.774998,"end":55.135,"sentiment":"neutral","sentiment_score":-0.0019595500729654145},{"text":"Moving forward, are you comfortable with me doing that?","start":55.135,"end":57.635,"sentiment":"neutral","sentiment_score":0.031398781264821686}],"sentiment":"neutral","sentiment_score":-0.09740718837295259,"num_words":70,"start":37.8,"end":57.635},{"sentences":[{"text":"Fantastic.","start":59.51,"end":60.01,"sentiment":"positive","sentiment_score":0.5854262709617615},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you.","start":60.07,"end":66.81,"sentiment":"neutral","sentiment_score":0.22182962433858353},{"text":"Yep.","start":70.47,"end":70.97,"sentiment":"neutral","sentiment_score":0.04025533050298691},{"text":"Beautiful.","start":71.83,"end":72.33,"sentiment":"positive","sentiment_score":0.4214925765991211},{"text":"Thank you so much for that.","start":72.549995,"end":74.409996,"sentiment":"positive","sentiment_score":0.565312127272288}],"sentiment":"neutral","sentiment_score":0.27998629868740127,"num_words":42,"start":59.51,"end":74.409996},{"sentences":[{"text":"Now just when that email does come through to you then, I'll send it to your y seven mail address.","start":75.555,"end":81.175,"sentiment":"neutral","sentiment_score":0.1685878150165081},{"text":"If you can just open that one up and let me know when you're looking at that statement of advice there.","start":82.195,"end":87.655,"sentiment":"neutral","sentiment_score":0.10055242478847504},{"text":"Fantastic.","start":89.97,"end":90.47,"sentiment":"positive","sentiment_score":0.4157955050468445},{"text":"Now the first page there does note the statement of advice has been prepared by your for yourself, sorry, by my lovely team here at OZ Financial.","start":90.689995,"end":97.75,"sentiment":"neutral","sentiment_score":0.15156638401525993},{"text":"The date on the document is the 05/12/2026.","start":98.28999,"end":101.325,"sentiment":"neutral","sentiment_score":0.07174560986459255}],"sentiment":"neutral","sentiment_score":0.13721311653589274,"num_words":77,"start":75.555,"end":101.325},{"sentences":[{"text":"It's when we finally completed the document there for you, and our documents are valid for sixty days from the date on the front there.","start":101.725,"end":109.005,"sentiment":"neutral","sentiment_score":0.10895094722509384},{"text":"However, if anything changes and you take a bit more time to decide whether you're taking on the advice, you just let me know.","start":109.005,"end":114.685,"sentiment":"neutral","sentiment_score":0.018338204671939213},{"text":"We can always just update your circumstances.","start":114.685,"end":116.465,"sentiment":"neutral","sentiment_score":0.08561015608055252},{"text":"Okay?","start":117.18,"end":117.68,"sentiment":"neutral","sentiment_score":0.07030060142278671},{"text":"On the bottom of the front page here, it notes my license number for you.","start":119.82,"end":123.100006,"sentiment":"neutral","sentiment_score":0.05137488692998886}],"sentiment":"neutral","sentiment_score":0.06394563320403297,"num_words":72,"start":101.725,"end":123.100006},{"sentences":[{"text":"So I am a full license adviser.","start":123.100006,"end":124.8,"sentiment":"neutral","sentiment_score":0.05158832722476551},{"text":"My representative number through OC Financial is 1304394.","start":124.94,"end":130.32,"sentiment":"neutral","sentiment_score":0.044694630429148674},{"text":"And as we go through the document, you'll note I've got the best interest duty.","start":131.205,"end":135.285,"sentiment":"neutral","sentiment_score":0.11108646790186565},{"text":"So it's really important that any advice we do provide is there to help you meet your goals.","start":135.285,"end":139.305,"sentiment":"positive","sentiment_score":0.39531175461080337},{"text":"We're looking after your super, and this is, you know, everything you've worked very hard for up until point and will continue to work hard for moving forward.","start":139.605,"end":147.23999,"sentiment":"neutral","sentiment_score":0.1963330108140196}],"sentiment":"neutral","sentiment_score":0.19734089787265188,"num_words":76,"start":123.100006,"end":147.23999},{"sentences":[{"text":"So it is really important that we now understand what your goals are, that the advice is related back to your goals, and that it is being provided in best interest to help you keep your super work as hard as possible for as long as possible.","start":147.78,"end":160.255,"sentiment":"positive","sentiment_score":0.3530905215030021},{"text":"Okay?","start":162.395,"end":162.895,"sentiment":"neutral","sentiment_score":0.005869382992386818},{"text":"So we've limited the scope on this advice document.","start":162.955,"end":165.835,"sentiment":"neutral","sentiment_score":-0.07779437427719434},{"text":"If you keep scrolling down a few pages there, you'll see we're scoping in our superannuation.","start":165.835,"end":170.815,"sentiment":"neutral","sentiment_score":-0.026868244327488355},{"text":"So, realistically, you're not working at the moment still on workers' compensation.","start":171.355,"end":175.05501,"sentiment":"neutral","sentiment_score":-0.31305723637342453}],"sentiment":"neutral","sentiment_score":0.1378164209343274,"num_words":85,"start":147.78,"end":175.05501},{"sentences":[{"text":"So we are looking to your goal at the moment is to keep working as long as possible once you're able to return to work, if you're able to return to work, and we wanna keep you super working a bit harder.","start":176.12999,"end":186.95,"sentiment":"neutral","sentiment_score":0.21494558684173085},{"text":"We did sort of talk about reducing the risk level, and I did do a lot of research as per our last conversation around what that might look like, noting that because your insurance premiums are quite high, a lot of the research I was able to do does show your super does deplete over time.","start":187.17,"end":205.15,"sentiment":"neutral","sentiment_score":-0.097278155519494},{"text":"So I've been trying to find a way to be able to keep the money invested, keep it working harder for you in the best possible portfolio, but also possibly have an intermittent contributions to kind of help offset that a little bit there.","start":205.15,"end":218.67,"sentiment":"neutral","sentiment_score":0.0863851611925797},{"text":"So I'll take you through what I've done at the bottom here.","start":218.67,"end":221.905,"sentiment":"neutral","sentiment_score":0.16705937931934992},{"text":"But I have factored in the superannuation side of things.","start":223.00499,"end":226.22499,"sentiment":"neutral","sentiment_score":0.14473622292280197}],"sentiment":"neutral","sentiment_score":0.06605585251094365,"num_words":164,"start":176.12999,"end":226.22499},{"sentences":[{"text":"We are also factoring in the estate planning.","start":226.36499,"end":229.025,"sentiment":"neutral","sentiment_score":0.14633110165596008},{"text":"Your beneficiaries were a confirmed sign on your super.","start":229.165,"end":232.29001,"sentiment":"neutral","sentiment_score":0.17527054250240326},{"text":"However, we're just making a note in here that we do recommend you speak to our solicitor and make sure your will and power of attorneys are established and or updated on a regular basis there as well.","start":232.29001,"end":243.41,"sentiment":"neutral","sentiment_score":0.11141160169714376},{"text":"Okay?","start":243.41,"end":243.91,"sentiment":"neutral","sentiment_score":0.06393320858478546},{"text":"We have next page down on page number six is the limited scope.","start":246.105,"end":250.745,"sentiment":"neutral","sentiment_score":-0.03173471800982952}],"sentiment":"neutral","sentiment_score":0.09613197731475036,"num_words":69,"start":226.36499,"end":250.745},{"sentences":[{"text":"So with your insurance policies, your life and CBD there, you wanted to keep those for the next twelve months to see what happens after you've had your twelve months review from your surgery.","start":250.745,"end":259.565,"sentiment":"neutral","sentiment_score":0.0059686245889786415},{"text":"We will wanna look at reviewing this down the track there.","start":260.81,"end":264.65002,"sentiment":"neutral","sentiment_score":0.0002942439168691637},{"text":"These insurance policies are just gonna keep getting more and more expensive, and I do not want them to deplete your super back to nothing.","start":264.65002,"end":270.97,"sentiment":"negative","sentiment_score":-0.4326732337474823},{"text":"So I'll make sure moving forward that we do get to catch up and review the insurances and look at what we can do down the track here.","start":270.97,"end":277.945,"sentiment":"neutral","sentiment_score":-0.0021198824646749665},{"text":"Okay?","start":278.005,"end":278.505,"sentiment":"neutral","sentiment_score":-0.03488437831401825}],"sentiment":"neutral","sentiment_score":-0.10813032335253676,"num_words":99,"start":250.745,"end":278.505},{"sentences":[{"text":"Out of scope areas are trauma and insure income protection.","start":280.805,"end":284.825,"sentiment":"neutral","sentiment_score":-0.1492317348718643},{"text":"So you don't have those parts of cover at the moment.","start":284.885,"end":287.385,"sentiment":"neutral","sentiment_score":-0.18051827089353042},{"text":"Because you are not working, we're not gonna be able to get income protection until you're able to go back to work, and trauma again.","start":287.605,"end":295.33,"sentiment":"neutral","sentiment_score":-0.24639277398586273},{"text":"Whilst we can probably get some trauma, because you are receiving that workers' compensation, it's probably not best to be increasing your expenditure out of pocket, and they can be paying more for insurances.","start":295.33,"end":305.26498,"sentiment":"negative","sentiment_score":-0.3401419055812499},{"text":"So we're scoping those out for now, but we can always talk about those down the track when you're able to or wanting to discuss those in further details.","start":305.805,"end":313.82498,"sentiment":"neutral","sentiment_score":-0.0026416334741074464}],"sentiment":"neutral","sentiment_score":-0.1952226590706941,"num_words":109,"start":280.805,"end":313.82498},{"sentences":[{"text":"Okay?","start":314.125,"end":314.625,"sentiment":"neutral","sentiment_score":0.027455415576696396},{"text":"Perfect.","start":316.74,"end":317.24,"sentiment":"neutral","sentiment_score":0.23565061390399933},{"text":"To make this a bit easier, I've got the about you section on page number nine.","start":318.18,"end":322.84,"sentiment":"neutral","sentiment_score":0.12239079969003797},{"text":"So if you can just run your eyes over that for me, is there any major changes to any of those details?","start":323.06,"end":329.38,"sentiment":"neutral","sentiment_score":0.0368711460720409},{"text":"No.","start":329.38,"end":329.62,"sentiment":"neutral","sentiment_score":-0.07241468131542206}],"sentiment":"neutral","sentiment_score":0.07219778919001905,"num_words":41,"start":314.125,"end":329.62},{"sentences":[{"text":"You know, state of birth and things may not have been updated, but is there any major changes to any of the other information that I could update for you at all?","start":329.62,"end":337.105,"sentiment":"neutral","sentiment_score":-0.07004420785233378},{"text":"Yep.","start":345.58002,"end":345.90002,"sentiment":"neutral","sentiment_score":0.08173894137144089},{"text":"Beautiful.","start":345.90002,"end":346.40002,"sentiment":"neutral","sentiment_score":0.25565508008003235},{"text":"And you're getting 1,200 per week from workers' compensation, aren't you?","start":346.54,"end":350.32,"sentiment":"neutral","sentiment_score":0.06383402848785574},{"text":"Yep.","start":351.66,"end":352.06003,"sentiment":"neutral","sentiment_score":0.0660337507724762}],"sentiment":"neutral","sentiment_score":-0.02469157751487649,"num_words":46,"start":329.62,"end":352.06003},{"sentences":[{"text":"Yep.","start":352.06003,"end":352.54,"sentiment":"neutral","sentiment_score":0.1139061078429222},{"text":"Perfect.","start":352.54,"end":353.04,"sentiment":"neutral","sentiment_score":0.2527483105659485},{"text":"On the next page, we've outlined your assets as noted on the last tax line that we were able to complete.","start":353.90002,"end":360.235,"sentiment":"neutral","sentiment_score":0.07156258803747949},{"text":"I know with your savings, there could be some changes to that.","start":360.235,"end":363.29498,"sentiment":"neutral","sentiment_score":0.033417039550840855},{"text":"But is there anything major on here that we should update in the back end for you?","start":363.75497,"end":368.25497,"sentiment":"neutral","sentiment_score":-0.020903733394601765}],"sentiment":"neutral","sentiment_score":0.03682903411726539,"num_words":52,"start":352.06003,"end":368.25497},{"sentences":[{"text":"That's okay?","start":370.235,"end":371.055,"sentiment":"neutral","sentiment_score":0.022221678867936134},{"text":"Beautiful.","start":371.19498,"end":371.69498,"sentiment":"neutral","sentiment_score":0.2718210220336914},{"text":"The next page outlines your current superannuation balance as of the date of the document there and your insurance policy that you have at the moment with your license TBD.","start":373.68002,"end":382.66,"sentiment":"neutral","sentiment_score":0.06509885756919781},{"text":"To make things a little bit easier, I'm gonna skip through a couple of pages.","start":383.76,"end":387.055,"sentiment":"neutral","sentiment_score":0.1661278928319613},{"text":"I'll let you go back and have a really good read of the document thereafter as well so you can run your eyes over it and take it all in.","start":387.055,"end":393.235,"sentiment":"positive","sentiment_score":0.37694700211286547}],"sentiment":"neutral","sentiment_score":0.20601998157321644,"num_words":78,"start":370.235,"end":393.235},{"sentences":[{"text":"But if I can just get you to scroll down to page number 20 for me, we'll sort of start here.","start":393.375,"end":397.935,"sentiment":"neutral","sentiment_score":0.12435198043073926},{"text":"I'll take you through the recommendations and show you the bulk of what I'm I'm recommending we do there for you.","start":397.935,"end":403.86002,"sentiment":"positive","sentiment_score":0.3708909551302592},{"text":"Okay?","start":403.86002,"end":404.36002,"sentiment":"neutral","sentiment_score":0.19627568125724792},{"text":"Perfect.","start":407.46002,"end":407.96002,"sentiment":"positive","sentiment_score":0.6731115579605103},{"text":"Now as I'm going through this, Ross, if you do find you wanna ask any questions, just tell me to stop and let me know, and you're welcome to ask anything you like.","start":408.18002,"end":416.42,"sentiment":"positive","sentiment_score":0.33699434905341175}],"sentiment":"neutral","sentiment_score":0.2907831481137833,"num_words":77,"start":393.375,"end":416.42},{"sentences":[{"text":"Okay?","start":416.42,"end":416.92,"sentiment":"neutral","sentiment_score":0.16751815378665924},{"text":"All good.","start":419.51498,"end":420.25497,"sentiment":"positive","sentiment_score":0.6237241923809052},{"text":"Now with your superannuation at the moment, I did go back and have a look at the investment the way they were working for you, and I am recommending a few additional changes.","start":420.395,"end":428.955,"sentiment":"neutral","sentiment_score":0.23905276484561688},{"text":"So, essentially, what we are recommending is just a bit of a rebalance.","start":428.955,"end":432.57498,"sentiment":"neutral","sentiment_score":0.16267209500074387},{"text":"So one of the important things and why we like to rebalance your super is essentially because when we make a recommendation initially and say, if we had as initially recommended you hold 10% of all these different investments, over the course of time, some investments are gonna increase faster or more than others, which changes the level of risk that you're taking, but it also does tend to change the way the investments work for you and the and the returns.","start":432.82,"end":459.135,"sentiment":"neutral","sentiment_score":0.024763709070478996}],"sentiment":"neutral","sentiment_score":0.10266465005528835,"num_words":131,"start":416.42,"end":459.135},{"sentences":[{"text":"So what I'm recommending we do is just make quick rebalance of your super.","start":459.755,"end":464.62,"sentiment":"neutral","sentiment_score":0.19084700888821057},{"text":"Just because some of your investments have done a little bit better than others, you're overexposed in certain areas, which means you are taking a bit more risk in certain areas there as well.","start":465.24,"end":474.54,"sentiment":"neutral","sentiment_score":-0.052494222407831866},{"text":"I'm also rebalancing this because I'm able to I found a way to reduce your risk level a little bit.","start":474.745,"end":480.10498,"sentiment":"neutral","sentiment_score":0.28299702480435374},{"text":"So when we kinda spoke last time, you were in that high growth environment.","start":480.10498,"end":483.88498,"sentiment":"neutral","sentiment_score":0.05525905638933182},{"text":"So, essentially, within your portfolio at the moment, you're taking you've got about 98.4% in growth investment.","start":484.185,"end":492.11002,"sentiment":"neutral","sentiment_score":0.09408395731931224}],"sentiment":"neutral","sentiment_score":0.09010150628822922,"num_words":99,"start":459.755,"end":492.11002},{"sentences":[{"text":"So you are taking a lot of risk in the market having more of those higher risk investments like Australian equities, international equities, property, and alternatives like gold as well.","start":492.17,"end":503.795,"sentiment":"neutral","sentiment_score":-0.23469090089201927},{"text":"Those are the investments that take on a bit more risk, and they do fluctuate or go up and down a lot more drastically.","start":503.935,"end":509.95502,"sentiment":"neutral","sentiment_score":-0.2990532461553812},{"text":"They're the ones that make us quite nervous.","start":510.015,"end":511.95502,"sentiment":"negative","sentiment_score":-0.39073682203888893},{"text":"So I was able to reduce your exposure from those from 98.4% back to 86%.","start":512.575,"end":519.86,"sentiment":"neutral","sentiment_score":0.14190737058719},{"text":"I know last time you and I spoken, it was hard to sort of I'm trying to find a portfolio that would reduce your risk level a little bit, but I would also provide returns to sort of look after your super balance.","start":520.48,"end":531.38,"sentiment":"neutral","sentiment_score":0.037572322629911954}],"sentiment":"neutral","sentiment_score":-0.11333065899088979,"num_words":120,"start":492.17,"end":531.38},{"sentences":[{"text":"We weren't able to reduce it down to the balance growth environment that you originally wanted to because if I had had done that by reducing those risk level as much, you reduce the returns very heavily.","start":532.415,"end":544.755,"sentiment":"neutral","sentiment_score":-0.26586383923485474},{"text":"And it was just seeing your super get eaten away in the next one, two to three to four years.","start":545.12,"end":550.57996,"sentiment":"negative","sentiment_score":-0.48883355110883714},{"text":"So I tried to find a way to reduce the risk level for you, but also making sure that the portfolio had shown past performance so we can try to make sure those returns are keeping up and keeping your super working forward.","start":550.8,"end":565.595,"sentiment":"neutral","sentiment_score":0.17733670233987098},{"text":"Does that make sense?","start":565.595,"end":566.57495,"sentiment":"neutral","sentiment_score":0.1545470543205738},{"text":"Yeah.","start":568.07495,"end":568.57495,"sentiment":"neutral","sentiment_score":0.2078065276145935}],"sentiment":"neutral","sentiment_score":-0.10630628693671454,"num_words":105,"start":532.415,"end":568.57495},{"sentences":[{"text":"So this portfolio here, we are able to reduce it down.","start":569.19495,"end":572.07495,"sentiment":"neutral","sentiment_score":0.2879250943660736},{"text":"It's about a 10% drop essentially in the risk level that you are taking there.","start":572.07495,"end":576.415,"sentiment":"neutral","sentiment_score":0.16195280253887176},{"text":"We're able to just buy into a bit of physical gold there a bit.","start":576.98,"end":581.54,"sentiment":"neutral","sentiment_score":0.20669601644788468},{"text":"We wanna make sure that you've got about 10% in physical gold.","start":581.54,"end":584.83997,"sentiment":"neutral","sentiment_score":0.2293807864189148},{"text":"We also wanna make sure that you've got the beta shares a 200 in there.","start":585.38,"end":589.48,"sentiment":"neutral","sentiment_score":0.20230052918195723}],"sentiment":"neutral","sentiment_score":0.21309387583785983,"num_words":67,"start":569.19495,"end":589.48},{"sentences":[{"text":"So we're just gonna sell off a little bit of that to bring you back to 20 percent.","start":589.725,"end":593.58496,"sentiment":"neutral","sentiment_score":0.15863660805755192},{"text":"We've also got some beta shares cybersecurity.","start":593.885,"end":596.385,"sentiment":"neutral","sentiment_score":0.12216959787266594},{"text":"We're gonna sell off a bit of that and bring you back to 5%.","start":597.08496,"end":600.225,"sentiment":"neutral","sentiment_score":0.15697866146053588},{"text":"We've also got the European shares.","start":600.445,"end":603.19,"sentiment":"neutral","sentiment_score":0.11926474422216415},{"text":"We wanna buy in a little bit more of those, bring you up to 8%.","start":603.19,"end":606.73004,"sentiment":"neutral","sentiment_score":0.17880312452713648}],"sentiment":"neutral","sentiment_score":0.15509971206386883,"num_words":60,"start":589.725,"end":606.73004},{"sentences":[{"text":"The iShares Misky is a bit more of a European exposure there.","start":607.59,"end":611.91003,"sentiment":"neutral","sentiment_score":-0.017054065441091854},{"text":"We're selling off all of that for you, just removing that.","start":611.91003,"end":615.69,"sentiment":"neutral","sentiment_score":0.00729409469799562},{"text":"A bit of Japan exposure there, we're gonna sell off, make sure you've only got about 5% of that.","start":616.71497,"end":621.755,"sentiment":"neutral","sentiment_score":-0.14729466838271996},{"text":"The S and P 500, The US exposure, you are a bit overexposed in there at the moment, so we're just gonna pull that back to about seven point, sorry, to about 30% and sell a bit over $700 of that.","start":621.755,"end":634.74,"sentiment":"neutral","sentiment_score":-0.1531972349053476},{"text":"With the Vanguard All World US, we're gonna buy in.","start":635.36,"end":638.8,"sentiment":"neutral","sentiment_score":0.09237173572182655}],"sentiment":"neutral","sentiment_score":-0.08903636254610554,"num_words":93,"start":607.59,"end":638.8},{"sentences":[{"text":"Don't have any of it at the moment, so we're gonna buy into that for you.","start":638.8,"end":642.255,"sentiment":"neutral","sentiment_score":0.06968031957512721},{"text":"It's part of giving you diversified global in exposure.","start":642.415,"end":646.435,"sentiment":"positive","sentiment_score":0.4216897090276082},{"text":"So one of the big ways that we can look to reduce risk is by diversifying and making sure you're invested in lots of different asset classes, like growth and defensive investment shares and and gold and silver as well as bonds and fixed interest, but also making sure we look at not just Australia and The US and the European markets, but the entire world that takes advantage of Australian markets, Italian markets, you know, all of the European areas plus the Asian countries, and making sure that we're in not only the markets that are already well established, but also up and coming markets as well.","start":646.495,"end":684.09503,"sentiment":"neutral","sentiment_score":0.2906706000643748},{"text":"And the Vanguard All World ex US, so this this doesn't include The US because you've got the S and P 500 exposure there, helps to give you diversification across the entire globe minus The US there.","start":684.23004,"end":698.305,"sentiment":"neutral","sentiment_score":0.12539168618418076},{"text":"So I'm trying to diversify, but also make sure it's a cost effective portfolio and try to reduce the cost a bit for you as well.","start":698.305,"end":705.185,"sentiment":"neutral","sentiment_score":0.32197941610446346}],"sentiment":"neutral","sentiment_score":0.2515993597394578,"num_words":196,"start":638.8,"end":705.185},{"sentences":[{"text":"Does that make sense?","start":705.185,"end":706.405,"sentiment":"neutral","sentiment_score":0.1335413083434105},{"text":"Yeah.","start":707.825,"end":708.305,"sentiment":"positive","sentiment_score":0.4267680048942566},{"text":"Perfect.","start":708.305,"end":708.805,"sentiment":"positive","sentiment_score":0.581487774848938},{"text":"And then we've got the iShares core composite fund there.","start":709.25,"end":711.88995,"sentiment":"neutral","sentiment_score":0.25491567999124526},{"text":"So you don't have any at the moment, and we're just gonna invest about 8% and sorry.","start":711.88995,"end":716.76996,"sentiment":"neutral","sentiment_score":0.16150082910762115}],"sentiment":"neutral","sentiment_score":0.20718460326844995,"num_words":33,"start":705.185,"end":716.76996},{"sentences":[{"text":"8,700 and have about 14% in there as well.","start":716.76996,"end":721.02997,"sentiment":"neutral","sentiment_score":0.2512502090798484},{"text":"And that's essentially more of those diversified defensive investments.","start":721.32996,"end":727.47504,"sentiment":"neutral","sentiment_score":0.26430697242418927},{"text":"So this is seen as more of a low risk investment, core composite bonds.","start":727.53503,"end":731.315,"sentiment":"positive","sentiment_score":0.36344899450029644},{"text":"It utilizes government as well as corporate bonds.","start":731.855,"end":734.815,"sentiment":"neutral","sentiment_score":0.31617535650730133},{"text":"It also looks at bank notes and other fixed interests across the globe as well.","start":734.815,"end":739.04,"sentiment":"neutral","sentiment_score":0.2989575405915578}],"sentiment":"neutral","sentiment_score":0.30440120940858667,"num_words":55,"start":716.76996,"end":739.04},{"sentences":[{"text":"So it's not just here in Australia.","start":739.04,"end":741.06,"sentiment":"neutral","sentiment_score":0.24594054051807948},{"text":"This investment is investing globally as well for you.","start":741.6,"end":744.8,"sentiment":"positive","sentiment_score":0.3540850683218903},{"text":"So adding to the diversification, and it's also increasing those defensive assets a little bit to helping to reduce your risk level in the portfolio.","start":744.8,"end":752.98,"sentiment":"positive","sentiment_score":0.5573790472745895},{"text":"Okay?","start":753.6,"end":754.1,"sentiment":"neutral","sentiment_score":0.19378796219825745},{"text":"Yeah.","start":756.29504,"end":756.79504,"sentiment":"neutral","sentiment_score":0.214832603931427}],"sentiment":"positive","sentiment_score":0.4477080499190231,"num_words":43,"start":739.04,"end":756.79504},{"sentences":[{"text":"The next page is outlined that we are gonna keep a little bit of cash.","start":757.495,"end":761.09503,"sentiment":"neutral","sentiment_score":0.18235236704349517},{"text":"So within your portfolio, we need to keep a bit over 1% of cash in there.","start":761.09503,"end":765.73505,"sentiment":"neutral","sentiment_score":0.1500446400605142},{"text":"So we're just going to essentially buy in about $221.33 from your cash account into those investments.","start":765.73505,"end":775.29,"sentiment":"neutral","sentiment_score":0.21622571787413428},{"text":"So you'll only have about $700 in cash.","start":775.35,"end":778.08997,"sentiment":"neutral","sentiment_score":0.17021520994603634},{"text":"Essentially, with your super fund, keeping money in cash doesn't really earn much of an interest rate.","start":778.31,"end":783.465,"sentiment":"neutral","sentiment_score":0.10581784563906052}],"sentiment":"neutral","sentiment_score":0.16400632884812683,"num_words":73,"start":757.495,"end":783.465},{"sentences":[{"text":"It does tend to cost more money to have money sitting in cash.","start":783.625,"end":786.66504,"sentiment":"neutral","sentiment_score":0.03602201348313919},{"text":"So we essentially just wanna keep a minimum cash target in your super cash account and have the rest of the money invested across this portfolio for you.","start":786.66504,"end":795.385,"sentiment":"positive","sentiment_score":0.33937287649938036},{"text":"Okay?","start":795.385,"end":795.885,"sentiment":"neutral","sentiment_score":0.13771145045757294},{"text":"Yeah.","start":797.85004,"end":798.35004,"sentiment":"neutral","sentiment_score":0.15548351407051086},{"text":"So, essentially, on the next page there, you'll see it's got a little bit of a a pie chart there.","start":799.05,"end":804.27,"sentiment":"neutral","sentiment_score":0.15737524144351484}],"sentiment":"neutral","sentiment_score":0.21287978588352127,"num_words":63,"start":783.625,"end":804.27},{"sentences":[{"text":"And if you just look at the third column across, it's got the proposed.","start":804.65,"end":808.11,"sentiment":"neutral","sentiment_score":0.18288200667926244},{"text":"It's essentially reducing your risk level by reducing your growth assets from 98.4 down to 86%, and then we're increasing those defensive assets from 1.6 to about 14% there for you.","start":809.13,"end":826.005,"sentiment":"positive","sentiment_score":0.35404395432241503},{"text":"So it's looking to reduce that risk level a little bit, but also make sure that we're rebalancing your portfolio, and also bringing up some of those defensive assets for you just for the time being.","start":826.005,"end":837.35004,"sentiment":"positive","sentiment_score":0.35515254280633396},{"text":"Okay?","start":837.49005,"end":837.99005,"sentiment":"neutral","sentiment_score":0.15478074550628662},{"text":"All good.","start":839.835,"end":840.735,"sentiment":"positive","sentiment_score":0.40702126920223236}],"sentiment":"neutral","sentiment_score":0.324881255981468,"num_words":84,"start":804.65,"end":840.735},{"sentences":[{"text":"If you look at the next page, this is page number 23.","start":841.115,"end":844.235,"sentiment":"neutral","sentiment_score":0.06837033418317635},{"text":"You've got the fee comparison table there.","start":844.235,"end":846.735,"sentiment":"neutral","sentiment_score":0.07344516579593931},{"text":"It's important I kinda take you through the advantages here that we are able to reduce your risk level, but there are obviously disadvantages and risks involved in doing so.","start":847.115,"end":856.56,"sentiment":"neutral","sentiment_score":0.08941906069715817},{"text":"So at the with the fee comparison table there, you've got your current column, and that essentially shows your current balance there with all the administration fees, investment fees, any other fees applicable to the account, the ongoing service fee there as well.","start":856.86,"end":871.08496,"sentiment":"neutral","sentiment_score":0.10691061910501747},{"text":"You're not currently making any contributions, and you do have your insurance premiums noted.","start":871.225,"end":876.045,"sentiment":"neutral","sentiment_score":-0.08240039069538138}],"sentiment":"neutral","sentiment_score":0.07038380324023442,"num_words":106,"start":841.115,"end":876.045},{"sentences":[{"text":"At the moment, you are in that high growth environment there.","start":877.37994,"end":880.5,"sentiment":"neutral","sentiment_score":-0.16594443063844333},{"text":"And with the five g rolling average, this portfolio has averaged about 11.63%.","start":880.5,"end":886.36,"sentiment":"neutral","sentiment_score":0.263989473764713},{"text":"Obviously, with the depending on market conditions, you don't get that every year, but this is sort of showing you what this has averaged over the last five years there.","start":887.06,"end":895.355,"sentiment":"neutral","sentiment_score":0.17262563028683264},{"text":"Okay?","start":895.355,"end":895.855,"sentiment":"neutral","sentiment_score":0.11778733879327774},{"text":"With the recommendations, I'm recommending that we do keep NetWell.","start":897.755,"end":901.515,"sentiment":"neutral","sentiment_score":0.30059252977371215}],"sentiment":"neutral","sentiment_score":0.15244547641621187,"num_words":65,"start":877.37994,"end":901.515},{"sentences":[{"text":"I didn't wanna kinda move to any other any other platforms.","start":901.515,"end":905.355,"sentiment":"neutral","sentiment_score":-0.09992894225499847},{"text":"I did look at cheaper and other platforms.","start":905.355,"end":907.615,"sentiment":"neutral","sentiment_score":0.04712952673435211},{"text":"The biggest thing with moving the platforms is that we do have to sell that over your investment.","start":908.16,"end":912.82,"sentiment":"neutral","sentiment_score":0.0445885703795486},{"text":"So it does mean there's a larger capital gains consequence for your super.","start":912.95996,"end":916.98,"sentiment":"neutral","sentiment_score":0.06210035630143606},{"text":"Your super fund, just like you and I do every year, does a tax return for your fund.","start":917.51996,"end":921.86,"sentiment":"neutral","sentiment_score":0.24865988021095595}],"sentiment":"neutral","sentiment_score":0.07887639105319977,"num_words":68,"start":901.515,"end":921.86},{"sentences":[{"text":"So they do pay income tax, capital gains tax every year.","start":922.16,"end":925.495,"sentiment":"neutral","sentiment_score":0.07174950804222714},{"text":"So we wanted to limit that.","start":925.495,"end":927.275,"sentiment":"neutral","sentiment_score":0.14748524005214372},{"text":"The bigger the capital gains tax, the less you end up with at the end of the day.","start":927.575,"end":932.055,"sentiment":"neutral","sentiment_score":0.08669681929879719},{"text":"So I wanted to try and limit that as much as possible.","start":932.055,"end":935.195,"sentiment":"neutral","sentiment_score":0.20406916861732802},{"text":"So with the recommended change of reducing that risk and altering your portfolio slightly, the CGT expectation for this is about a $116, so I was able to minimize that as much as possible.","start":935.655,"end":948.0,"sentiment":"positive","sentiment_score":0.3991954984033809}],"sentiment":"neutral","sentiment_score":0.23773056475652588,"num_words":81,"start":922.16,"end":948.0},{"sentences":[{"text":"Okay?","start":948.22003,"end":948.72003,"sentiment":"neutral","sentiment_score":0.17203974723815918},{"text":"You'll see the administration fees don't change because we're not changing it from Netwealth at all.","start":951.275,"end":955.91504,"sentiment":"neutral","sentiment_score":0.07804183335974813},{"text":"But with the newer portfolio, it is making a slight change in the investment fees.","start":955.91504,"end":960.075,"sentiment":"neutral","sentiment_score":0.14193017582098644},{"text":"It's actually gonna be about $6 less.","start":960.075,"end":962.735,"sentiment":"neutral","sentiment_score":0.2439850334610258},{"text":"It's only a small amount less than what you're currently paying in in investment fees.","start":963.2,"end":968.66003,"sentiment":"neutral","sentiment_score":0.1353893722097079}],"sentiment":"neutral","sentiment_score":0.13497032473484674,"num_words":54,"start":948.22003,"end":968.66003},{"sentences":[{"text":"But, look, $6 when you consider that compounded over the next seventeen years towards the age of 60, that essentially does compound quite high and can make a significant difference there for you.","start":969.2,"end":980.495,"sentiment":"neutral","sentiment_score":0.2881711093765317},{"text":"So I also wanted to try and reduce the fees as much as we possibly could.","start":980.495,"end":984.97504,"sentiment":"neutral","sentiment_score":0.21858490724116564},{"text":"Alright?","start":984.97504,"end":985.47504,"sentiment":"neutral","sentiment_score":0.1564982682466507},{"text":"The ongoing service fee still comes out.","start":987.2,"end":989.12,"sentiment":"neutral","sentiment_score":-0.05726238127265658},{"text":"It's only very minimal for this.","start":989.12,"end":990.64,"sentiment":"neutral","sentiment_score":-0.08752642447749774}],"sentiment":"neutral","sentiment_score":0.1942461615517026,"num_words":63,"start":969.2,"end":990.64},{"sentences":[{"text":"Your balance is much smaller.","start":990.64,"end":992.1,"sentiment":"neutral","sentiment_score":-0.06805190443992615},{"text":"With the contribution, so the other thing we did talk about was that I did wanna try and look at being able to make some sort of contributions to the fund.","start":992.4,"end":999.94,"sentiment":"neutral","sentiment_score":0.21691762223359076},{"text":"Essentially, with this, I'm recommending that you do make a contribution to your super fund of about $25 per week.","start":1000.595,"end":1007.795,"sentiment":"neutral","sentiment_score":0.2924204654991627},{"text":"So it's essentially $1,200 per year or a $100 per month, which is something that you may mentioned you were fairly comfortable trying to do.","start":1007.795,"end":1015.33496,"sentiment":"neutral","sentiment_score":0.22948881447315217},{"text":"The really important thing is because, like, I'm trying to reduce the risk and make your super fund work.","start":1016.0,"end":1021.38,"sentiment":"positive","sentiment_score":0.4890075812214299}],"sentiment":"neutral","sentiment_score":0.2726096048206091,"num_words":100,"start":990.64,"end":1021.38},{"sentences":[{"text":"With your insurance premiums being so high, I looked at so many different options.","start":1021.44,"end":1026.56,"sentiment":"neutral","sentiment_score":-0.005948542218123164},{"text":"I looked at not not changing your portfolio and keeping it high risk.","start":1026.56,"end":1030.9,"sentiment":"neutral","sentiment_score":-0.08103444885749084},{"text":"We also looked at not making contributions versus making contributions.","start":1031.475,"end":1035.095,"sentiment":"neutral","sentiment_score":-0.018047557026147843},{"text":"They even tried looking at whether I roll you out to an industry fund which could be cheaper as well.","start":1035.155,"end":1040.455,"sentiment":"neutral","sentiment_score":0.03605035878717899},{"text":"But all of those scenarios essentially made it that you were gonna be worse off in time and also taking on a very high level of risk there.","start":1040.755,"end":1049.33,"sentiment":"negative","sentiment_score":-0.49931488186120987}],"sentiment":"neutral","sentiment_score":-0.17149426485685743,"num_words":85,"start":1021.44,"end":1049.33},{"sentences":[{"text":"So the best scenario was to be able to contribute a bit of money to your super fund, and doing it as a $100 on a monthly basis or something as simple $25 per week if we break it down that way.","start":1049.33,"end":1062.385,"sentiment":"positive","sentiment_score":0.36490828011717114},{"text":"It means that you're transferring money in on a regular basis, which can help to offset some of the insurance premiums, but that money is also invested.","start":1062.605,"end":1070.545,"sentiment":"positive","sentiment_score":0.6227414961214419},{"text":"So it is also helping to create growth from your super fund there.","start":1070.925,"end":1074.87,"sentiment":"positive","sentiment_score":0.7824930594517634},{"text":"Okay?","start":1075.11,"end":1075.61,"sentiment":"neutral","sentiment_score":0.3151312470436096},{"text":"Essentially, you'll see the figure there as 1,020.","start":1077.11,"end":1080.63,"sentiment":"neutral","sentiment_score":0.20626641251146793}],"sentiment":"positive","sentiment_score":0.4865696756066857,"num_words":91,"start":1049.33,"end":1080.63},{"sentences":[{"text":"This is taking into account the tax side of things.","start":1080.63,"end":1083.53,"sentiment":"neutral","sentiment_score":0.05229074582457542},{"text":"So I'm recommending there are different ways to make contributions, but I'm recommending that you do make these as a deductible contribution.","start":1083.83,"end":1090.895,"sentiment":"neutral","sentiment_score":0.28088709915226157},{"text":"So it means that we can get you to transfer the money.","start":1091.115,"end":1094.175,"sentiment":"positive","sentiment_score":0.394589826464653},{"text":"We you can set it up as a regular b pay amount.","start":1094.395,"end":1096.9551,"sentiment":"neutral","sentiment_score":0.3185315939287345},{"text":"We can send you the information, or you can do it manually every month or every week depending on your how comfortable you are.","start":1096.9551,"end":1104.36,"sentiment":"neutral","sentiment_score":0.2314969077706337}],"sentiment":"neutral","sentiment_score":0.2601975808851421,"num_words":80,"start":1080.63,"end":1104.36},{"sentences":[{"text":"Or we can do it as a one off transaction at the end of the final two year.","start":1104.82,"end":1108.1,"sentiment":"neutral","sentiment_score":0.3269015848636627},{"text":"That's completely fine too.","start":1108.1,"end":1109.72,"sentiment":"positive","sentiment_score":0.6390195190906525},{"text":"We'll work with what your comfort level is there.","start":1109.78,"end":1112.28,"sentiment":"positive","sentiment_score":0.44131861130396527},{"text":"So with the contributions, they'll go in from your bank account.","start":1113.46,"end":1116.66,"sentiment":"neutral","sentiment_score":0.18438852510669015},{"text":"They go into your fund as an after tax contribution.","start":1116.66,"end":1120.105,"sentiment":"neutral","sentiment_score":0.1858560100197792}],"sentiment":"neutral","sentiment_score":0.3134424611926079,"num_words":52,"start":1104.82,"end":1120.105},{"sentences":[{"text":"At the end of the year, at the end of the financial year in about July, we'll do what's called a notice of intent for you.","start":1121.365,"end":1128.005,"sentiment":"neutral","sentiment_score":0.1016533850477292},{"text":"So because you're on workers' compensation, it's still technically taxable income.","start":1128.005,"end":1132.505,"sentiment":"neutral","sentiment_score":-0.04016229383308779},{"text":"So what we can do is with this these funds in your super, we can claim a notice of intent that essentially tells your super fund that you're planning to claim a tax deduction for the funds that you've put into the, into the super fund.","start":1133.16,"end":1146.855,"sentiment":"neutral","sentiment_score":0.26797552082849585},{"text":"They will then change the contribution and claim that notice of intent.","start":1147.575,"end":1151.195,"sentiment":"neutral","sentiment_score":0.21492768451571465},{"text":"And the $1,200 that you've put into super, you can then let your accountant know at the end of the year that you've made the contribution and that you'll be able to claim that back on your tax return as well.","start":1151.495,"end":1162.0701,"sentiment":"positive","sentiment_score":0.45446906729442316}],"sentiment":"neutral","sentiment_score":0.26279735816505684,"num_words":136,"start":1121.365,"end":1162.0701},{"sentences":[{"text":"So you're putting money into Safa, but it's also giving you a tax deduction at the end of the year.","start":1162.2101,"end":1166.8501,"sentiment":"positive","sentiment_score":0.44087017625570296},{"text":"Does that make sense?","start":1166.8501,"end":1167.91,"sentiment":"neutral","sentiment_score":0.24786533042788506},{"text":"Yeah.","start":1169.4901,"end":1169.9901,"sentiment":"neutral","sentiment_score":0.1902945041656494},{"text":"Yeah.","start":1170.6101,"end":1171.1101,"sentiment":"neutral","sentiment_score":0.2333984225988388},{"text":"Yeah.","start":1171.25,"end":1171.65,"sentiment":"neutral","sentiment_score":0.28175103664398193}],"sentiment":"positive","sentiment_score":0.38941884482348404,"num_words":27,"start":1162.2101,"end":1171.65},{"sentences":[{"text":"Correct.","start":1171.65,"end":1172.15,"sentiment":"positive","sentiment_score":0.39259767532348633},{"text":"So it's about just sort of finding ways to give you a little bit of a benefit, but also making sure that we can help you super as well.","start":1172.29,"end":1179.625,"sentiment":"positive","sentiment_score":0.5918307849045458},{"text":"Because the last thing I want is for your super to be depleted.","start":1179.625,"end":1182.845,"sentiment":"negative","sentiment_score":-0.33407211475647414},{"text":"Okay?","start":1183.145,"end":1183.645,"sentiment":"neutral","sentiment_score":0.012721136212348938},{"text":"Easy.","start":1185.9451,"end":1186.4451,"sentiment":"positive","sentiment_score":0.337007611989975}],"sentiment":"neutral","sentiment_score":0.30138848208718827,"num_words":45,"start":1171.65,"end":1186.4451},{"sentences":[{"text":"Underneath that, the investor profile, you'll see this is essentially the growth portfolio, so it is reducing your risk level a little bit.","start":1187.7201,"end":1195.4801,"sentiment":"neutral","sentiment_score":0.1304644336519034},{"text":"You will see there that the five year rolling average, because we are reducing the risk level a little bit, it does obviously affect the returns, and the returns have been reduced just slightly.","start":1195.4801,"end":1205.795,"sentiment":"neutral","sentiment_score":0.0778311391306274},{"text":"So it's about 0.6% over the last five years in the difference in the return.","start":1205.795,"end":1212.115,"sentiment":"neutral","sentiment_score":0.17986313700675965},{"text":"It goes from 11.63 to 11.03.","start":1212.115,"end":1215.495,"sentiment":"neutral","sentiment_score":0.08880298150082429},{"text":"By doing all of this, you can sort of see over the next twelve months, and this is kind of where I'm focused at the moment, by reducing your risk and still getting a good return, by keeping your insurance premiums, but also being able to contribute and saving on some of those fees, we've been able to try to, with with the projected outcome, keep your super working a little bit harder.","start":1216.02,"end":1239.275,"sentiment":"positive","sentiment_score":0.530097095933679}],"sentiment":"neutral","sentiment_score":0.3150648586205299,"num_words":151,"start":1187.7201,"end":1239.275},{"sentences":[{"text":"So so long as we can get a good return as depending on what the markets do over the next twelve months with the contributions going in there as well.","start":1239.335,"end":1247.3,"sentiment":"positive","sentiment_score":0.543402295311292},{"text":"You can sort of see it does keep you in a good position.","start":1247.3,"end":1250.04,"sentiment":"positive","sentiment_score":0.6914259693943537},{"text":"Your balance does deplete slightly from where it is now, but we're still keeping it going.","start":1250.5,"end":1256.4401,"sentiment":"neutral","sentiment_score":-0.2182610728777945},{"text":"So it's not depleting as much as what it what it could with out those additional contributions in there.","start":1256.7401,"end":1261.905,"sentiment":"neutral","sentiment_score":-0.17217498037375903},{"text":"Does that make sense?","start":1261.905,"end":1262.965,"sentiment":"neutral","sentiment_score":-0.028555892407894135}],"sentiment":"neutral","sentiment_score":0.2245473304718006,"num_words":82,"start":1239.335,"end":1262.965},{"sentences":[{"text":"Yeah.","start":1264.785,"end":1265.265,"sentiment":"neutral","sentiment_score":0.020936351269483566},{"text":"So just trying to limit how much it's depleting and try to keep it working harder.","start":1265.265,"end":1269.285,"sentiment":"neutral","sentiment_score":-0.09760816465131938},{"text":"So we want the markets to perform well to give you enough growth to cover the insurance premiums and utilize some contributions to try and offset that as well so that we can keep you super working harder.","start":1269.4249,"end":1281.23,"sentiment":"neutral","sentiment_score":0.14226173844776654},{"text":"At the moment, yeah.","start":1285.13,"end":1286.5701,"sentiment":"neutral","sentiment_score":-0.18414710462093353},{"text":"Yeah.","start":1286.5701,"end":1286.89,"sentiment":"neutral","sentiment_score":-0.029112305492162704}],"sentiment":"neutral","sentiment_score":0.05165751756479343,"num_words":60,"start":1264.785,"end":1286.89},{"sentences":[{"text":"If it continues going, I mean, with this, you can see in five years, you're still expected to have about 59,000 in there, which is good.","start":1286.89,"end":1294.645,"sentiment":"neutral","sentiment_score":0.18809285387396812},{"text":"With some of the other projections I've looked at, it showed in the next five years, you could essentially only end up with about 40 odd thousand in there.","start":1295.185,"end":1304.4601,"sentiment":"neutral","sentiment_score":-0.06809669553205885},{"text":"So this has sort of been the best way to keep it working harder.","start":1304.4601,"end":1307.8401,"sentiment":"neutral","sentiment_score":-0.10923502541014127},{"text":"It is still depleting, but not depleting as much.","start":1308.14,"end":1311.52,"sentiment":"neutral","sentiment_score":-0.30652426679929096},{"text":"What I do wanna do and I've also made a little disclaimer in the bottom here.","start":1311.9,"end":1315.8201,"sentiment":"neutral","sentiment_score":0.009990021237172186}],"sentiment":"neutral","sentiment_score":-0.012899557306886987,"num_words":94,"start":1286.89,"end":1315.8201},{"sentences":[{"text":"This strategy is meant to be a short term approach.","start":1315.8201,"end":1318.48,"sentiment":"neutral","sentiment_score":0.029022737964987756},{"text":"What I kind of wanna do is make sure that I keep catching up with you throughout the year.","start":1318.565,"end":1323.865,"sentiment":"neutral","sentiment_score":0.15562467590758675},{"text":"And in twelve months, when we know what's happening with your work or your workers' compensation and what's happening with your health, let's readjust and reevaluate this.","start":1324.005,"end":1334.46,"sentiment":"neutral","sentiment_score":0.008349466689482884},{"text":"This was yeah.","start":1335.1799,"end":1336.2999,"sentiment":"neutral","sentiment_score":0.13276920219262442},{"text":"I just wanted to sort of see where we could go and what we could do for one year to sort of help you along, keep your super as high as we possibly can, and then we reevaluate it in twelve months because we're gonna need to alter and adjust this strategy a bit more regularly to make sure that you don't lose it.","start":1336.2999,"end":1354.505,"sentiment":"neutral","sentiment_score":0.16500382887898013}],"sentiment":"neutral","sentiment_score":0.11732589005969646,"num_words":123,"start":1315.8201,"end":1354.505},{"sentences":[{"text":"Okay?","start":1354.505,"end":1355.005,"sentiment":"neutral","sentiment_score":0.10126306116580965},{"text":"All good.","start":1356.9049,"end":1357.6449,"sentiment":"positive","sentiment_score":0.36520326137542725},{"text":"If you at the bottom of the next side, halfway down the next page, you'll see another little table there.","start":1358.0249,"end":1364.0599,"sentiment":"neutral","sentiment_score":0.10137277618050575},{"text":"It's got your current and recommended as per the above, but it also has an extra column showing no insurances.","start":1364.44,"end":1370.38,"sentiment":"neutral","sentiment_score":0.1311203559860587},{"text":"This is not something we would wanna do right now because there is a risk that you might need to claim on your TPD cover.","start":1371.08,"end":1377.625,"sentiment":"negative","sentiment_score":-0.41090824246406554}],"sentiment":"neutral","sentiment_score":-0.07045843874049537,"num_words":68,"start":1354.505,"end":1377.625},{"sentences":[{"text":"But if you were not paying any insurances out of your super at all, over the next five years, you can see the difference.","start":1377.9249,"end":1384.665,"sentiment":"neutral","sentiment_score":-0.03142225990692774},{"text":"So insurance premiums are having quite an effect on your super.","start":1384.725,"end":1388.505,"sentiment":"neutral","sentiment_score":0.13509852100502362},{"text":"And you could see if you weren't paying any insurances and were able to still get the growth that we have above, you could've you could end up with about 88,190 in five years.","start":1389.3501,"end":1400.4701,"sentiment":"neutral","sentiment_score":0.12492694026407074},{"text":"So we just sort of put this table in here to show you the effective insurance premiums on your super because insurance premiums do have an effect long term, and they do get more and more expensive as you get older as well.","start":1400.4701,"end":1413.21,"sentiment":"neutral","sentiment_score":0.057406708078328955},{"text":"So, we'll just keep reviewing those and keep looking at things, and I do wanna update this plan definitely in twelve months, if not before, to see how things are going for you.","start":1413.21,"end":1424.1699,"sentiment":"neutral","sentiment_score":0.10800147067868349}],"sentiment":"neutral","sentiment_score":0.07594484442780758,"num_words":145,"start":1377.9249,"end":1424.1699},{"sentences":[{"text":"Does that make sense?","start":1424.1699,"end":1425.39,"sentiment":"neutral","sentiment_score":0.09804541803896427},{"text":"Yeah.","start":1426.915,"end":1427.155,"sentiment":"neutral","sentiment_score":0.092929407954216},{"text":"Do you have any questions?","start":1427.155,"end":1428.615,"sentiment":"neutral","sentiment_score":0.07275260090827942},{"text":"No?","start":1431.075,"end":1431.575,"sentiment":"neutral","sentiment_score":-0.06452193856239319},{"text":"Yep.","start":1432.035,"end":1432.515,"sentiment":"neutral","sentiment_score":0.13170072436332703}],"sentiment":"neutral","sentiment_score":0.076337739204367,"num_words":12,"start":1424.1699,"end":1432.515},{"sentences":[{"text":"Beautiful.","start":1432.515,"end":1433.015,"sentiment":"positive","sentiment_score":0.42273738980293274},{"text":"Beautiful.","start":1433.155,"end":1433.635,"sentiment":"positive","sentiment_score":0.4178957939147949},{"text":"I wanted to sort of show you this.","start":1433.635,"end":1435.475,"sentiment":"neutral","sentiment_score":0.09426942374557257},{"text":"I didn't wanna give you a plan that was just gonna eat away all your sleepers.","start":1435.475,"end":1438.435,"sentiment":"negative","sentiment_score":-0.43813695572316647},{"text":"So we've done the best we can to try and make sure it continues working.","start":1438.435,"end":1441.89,"sentiment":"neutral","sentiment_score":-0.09446792006492614}],"sentiment":"neutral","sentiment_score":-0.1666444272893231,"num_words":41,"start":1432.515,"end":1441.89},{"sentences":[{"text":"I even looked at moving back to industry funds and whatever else we can do there, but it just it still was being eaten away.","start":1441.89,"end":1448.37,"sentiment":"neutral","sentiment_score":-0.2771047660708427},{"text":"It was putting you in a worse position.","start":1448.37,"end":1450.0701,"sentiment":"negative","sentiment_score":-0.5744503736495972},{"text":"So at least this way, we can still look after it, still keep watching it.","start":1450.13,"end":1453.65,"sentiment":"neutral","sentiment_score":0.002106187244256339},{"text":"We can catch up every couple of months and see how you're going, and then we can update the advice and look at what we do next for you as well.","start":1453.65,"end":1461.485,"sentiment":"neutral","sentiment_score":0.1667543897225011},{"text":"Okay?","start":1461.545,"end":1462.045,"sentiment":"neutral","sentiment_score":0.09291734546422958}],"sentiment":"neutral","sentiment_score":-0.07786657381802797,"num_words":80,"start":1441.89,"end":1462.045},{"sentences":[{"text":"All good.","start":1464.025,"end":1464.765,"sentiment":"positive","sentiment_score":0.34759099781513214},{"text":"The next couple of pages do also go through a bit more around that deductible contribution.","start":1466.025,"end":1470.53,"sentiment":"neutral","sentiment_score":0.03467191429808736},{"text":"It is really important that you go through.","start":1470.91,"end":1472.67,"sentiment":"neutral","sentiment_score":0.05453305272385478},{"text":"Have a bit of a read of those.","start":1472.67,"end":1473.9501,"sentiment":"neutral","sentiment_score":0.023634715471416712},{"text":"I've got an outline for you the advantages, the disadvantages, and the risks involved with this having using a deductible contribution, it does mean the funds are coming out of your bank account.","start":1473.9501,"end":1486.025,"sentiment":"neutral","sentiment_score":-0.012959253833149418}],"sentiment":"neutral","sentiment_score":0.021606259603998555,"num_words":67,"start":1464.025,"end":1486.025},{"sentences":[{"text":"So it's either really important that you're able to make that contribution manually or that you set up a regular direct debit or BPAY, and we can give you the information so it can be set up.","start":1486.025,"end":1496.365,"sentiment":"neutral","sentiment_score":0.2674854566922059},{"text":"So every week or once a month or however often you would like it to happen, it does come out and continue to go into super.","start":1496.48,"end":1503.76,"sentiment":"neutral","sentiment_score":0.27453066924443614},{"text":"That way, you do get the benefits of doing so.","start":1503.76,"end":1506.42,"sentiment":"positive","sentiment_score":0.5706800788640976},{"text":"The downside is the funds do go into super.","start":1506.9601,"end":1509.615,"sentiment":"neutral","sentiment_score":-0.2808552732070287},{"text":"So it does mean that they are locked away in super, and you're not able to access them until you meet a condition of release.","start":1509.615,"end":1515.635,"sentiment":"neutral","sentiment_score":-0.24943829506635665}],"sentiment":"neutral","sentiment_score":0.13063462851482016,"num_words":107,"start":1486.025,"end":1515.635},{"sentences":[{"text":"But we've tried to make it as minimal as possible and within your comfort level to make sure that it's working for you.","start":1516.015,"end":1522.735,"sentiment":"neutral","sentiment_score":0.19873592322287353},{"text":"Okay?","start":1522.735,"end":1523.235,"sentiment":"neutral","sentiment_score":0.11413103342056274},{"text":"Excellent.","start":1525.53,"end":1526.03,"sentiment":"positive","sentiment_score":0.753686785697937},{"text":"With the notice of intent, once we see the contributions going in, myself and my team will make sure we contact you every July to make sure that you're able to, you know, see if you're still comfortable making that claiming the notice of intent, and we'll help you to do that.","start":1526.7301,"end":1542.005,"sentiment":"neutral","sentiment_score":0.33287685034939873},{"text":"Essentially, you just sign the form.","start":1542.005,"end":1543.285,"sentiment":"neutral","sentiment_score":0.17538412287831306}],"sentiment":"neutral","sentiment_score":0.2867547591407615,"num_words":83,"start":1516.015,"end":1543.285},{"sentences":[{"text":"We submit it to Netwealth.","start":1543.285,"end":1545.545,"sentiment":"neutral","sentiment_score":0.13775621205568314},{"text":"They'll organize it, and then we'll provide you with the confirmation to hand to your accountant, and that will all work for you.","start":1545.685,"end":1551.75,"sentiment":"neutral","sentiment_score":0.25802917324978375},{"text":"In the appendices that I do have attached there as well, if you decide not to claim the notice of intent, you don't then get the the deduction on your income tax.","start":1552.71,"end":1563.61,"sentiment":"neutral","sentiment_score":0.14047721889801323},{"text":"But it does mean that you do leave that full $12,000 inside super, which means more money is invested.","start":1563.75,"end":1571.385,"sentiment":"neutral","sentiment_score":0.2740925558303532},{"text":"And that can, over the next sort of one to five years, place you in a better position than what has been recommended.","start":1572.165,"end":1579.465,"sentiment":"positive","sentiment_score":0.4036853060774181}],"sentiment":"neutral","sentiment_score":0.2510906240227176,"num_words":102,"start":1543.285,"end":1579.465},{"sentences":[{"text":"The reason I recommended we do the notice of intent is that because you are still, you know, you're still receiving taxable income, essentially, still gonna do a tax return.","start":1580.14,"end":1588.88,"sentiment":"neutral","sentiment_score":0.26936755776405336},{"text":"This gives you a little bit more of a tax deduction.","start":1589.34,"end":1591.66,"sentiment":"positive","sentiment_score":0.39198069680820813},{"text":"So that might give you a little bit of a bonus or a refund at the end of the financial year, which would be a benefit for you.","start":1591.66,"end":1597.985,"sentiment":"positive","sentiment_score":0.5176193171313831},{"text":"Okay?","start":1598.045,"end":1598.545,"sentiment":"neutral","sentiment_score":0.25834718346595764},{"text":"Yeah.","start":1600.845,"end":1601.345,"sentiment":"neutral","sentiment_score":0.19800511002540588}],"sentiment":"positive","sentiment_score":0.3851057404363659,"num_words":71,"start":1580.14,"end":1601.345},{"sentences":[{"text":"Do you have any questions?","start":1601.485,"end":1602.605,"sentiment":"neutral","sentiment_score":0.14848572611808777},{"text":"You're welcome to ask me anything you like.","start":1602.605,"end":1604.705,"sentiment":"neutral","sentiment_score":0.31985146924853325},{"text":"It's all good.","start":1607.16,"end":1608.14,"sentiment":"positive","sentiment_score":0.5830996036529541},{"text":"Attached to your email, you will see the appendices.","start":1608.3601,"end":1610.4601,"sentiment":"neutral","sentiment_score":0.08412973044647111},{"text":"I've outlined a lot of the alternatives.","start":1610.6001,"end":1612.3,"sentiment":"neutral","sentiment_score":0.12049677010093417}],"sentiment":"neutral","sentiment_score":0.20784950500819832,"num_words":32,"start":1601.485,"end":1612.3},{"sentences":[{"text":"I've considered so you're welcome to run your eyes over that.","start":1612.3601,"end":1615.18,"sentiment":"positive","sentiment_score":0.4304026947780089},{"text":"Ross, if you do have questions around any of those, do let me know.","start":1615.56,"end":1619.0801,"sentiment":"neutral","sentiment_score":0.1423042682664735},{"text":"Okay?","start":1619.0801,"end":1619.5801,"sentiment":"neutral","sentiment_score":0.1319005787372589},{"text":"All good.","start":1621.755,"end":1622.495,"sentiment":"positive","sentiment_score":0.565778523683548},{"text":"I've also got in there just the information around the will and the power of attorney.","start":1623.435,"end":1627.5951,"sentiment":"neutral","sentiment_score":0.1989302346482873}],"sentiment":"neutral","sentiment_score":0.25393251769922,"num_words":44,"start":1612.3601,"end":1627.5951},{"sentences":[{"text":"It's really important that we do make sure that you set up a a will and a power of attorney.","start":1627.5951,"end":1631.6151,"sentiment":"neutral","sentiment_score":0.2160626582801342},{"text":"Those are done by solicitors, not by us, but we do refer you to a solicitor for the setting up of those.","start":1632.0751,"end":1639.0901,"sentiment":"neutral","sentiment_score":0.1140357782556252},{"text":"I'm not sure if we have in the past, but we can always email through some information on the local solicitor we use.","start":1639.4701,"end":1644.6901,"sentiment":"neutral","sentiment_score":0.05375308106126993},{"text":"Alternatively, because this is discussing very sensitive information around estate planning, if you do have a local solicitor you're comfortable speaking to and organizing that, then I do recommend you speak to them as well.","start":1644.8301,"end":1658.105,"sentiment":"neutral","sentiment_score":0.11506560923797744},{"text":"So I'm just making sure that everything is set up in the event that something was to happen.","start":1658.105,"end":1663.2001,"sentiment":"positive","sentiment_score":0.40781648953755695}],"sentiment":"neutral","sentiment_score":0.1646979176833973,"num_words":118,"start":1627.5951,"end":1663.2001},{"sentences":[{"text":"And even for the future as well, I do know quite a lot of clients who have passed away in their eighties and nineties and still haven't had a will in place, and then going through the probate process can be a lot for someone's family.","start":1663.8201,"end":1676.4,"sentiment":"neutral","sentiment_score":-0.013824095423130886},{"text":"Okay?","start":1676.7001,"end":1677.2001,"sentiment":"neutral","sentiment_score":0.22540238499641416},{"text":"Excellent.","start":1678.995,"end":1679.495,"sentiment":"positive","sentiment_score":0.6376219987869263},{"text":"It's just that retaining your insurances as they are.","start":1680.515,"end":1683.155,"sentiment":"positive","sentiment_score":0.4414089322090149},{"text":"We'll review those in the next few months as well.","start":1683.155,"end":1685.895,"sentiment":"neutral","sentiment_score":0.30040740966796875}],"sentiment":"neutral","sentiment_score":0.10752045493850958,"num_words":67,"start":1663.8201,"end":1685.895},{"sentences":[{"text":"And then just letting you know as well, we've got the ongoing service agreement attached there for you.","start":1686.515,"end":1691.0751,"sentiment":"neutral","sentiment_score":0.22728273852003944},{"text":"So having us look after your social, you do pay us an ongoing service fee.","start":1691.0751,"end":1695.37,"sentiment":"neutral","sentiment_score":0.19239023427168528},{"text":"It is 1.65% per annum.","start":1695.37,"end":1697.71,"sentiment":"neutral","sentiment_score":0.11306586861610413},{"text":"That is the yearly figure, and it's deducted on a a smaller scale on a monthly basis from your super.","start":1698.09,"end":1704.11,"sentiment":"neutral","sentiment_score":0.1355037670582533},{"text":"I'll make sure that I keep sort of monitoring things with you, and we'll do a bit of a catch up in the next few months there as well.","start":1704.65,"end":1711.5449,"sentiment":"neutral","sentiment_score":0.2087157378936636}],"sentiment":"neutral","sentiment_score":0.18741498724825081,"num_words":87,"start":1686.515,"end":1711.5449},{"sentences":[{"text":"But I've got the ongoing service agreement attached to the the DocuSign there for you to sign and return back for me.","start":1711.5449,"end":1718.0449,"sentiment":"neutral","sentiment_score":0.3108521428975192},{"text":"And then I've also attached the tax file opt in form.","start":1718.4249,"end":1721.3301,"sentiment":"neutral","sentiment_score":0.19762693413279273},{"text":"So we just like to make sure that you're aware of the information we hold on you because we set you see that any insurance is up.","start":1721.3301,"end":1726.8501,"sentiment":"neutral","sentiment_score":0.08686593740626618},{"text":"We hold your tax file number, and we just wanna make sure we get the consent to continue holding that and make sure you're aware of the information that we do hold there for you and the security that we undertake to protect that information.","start":1726.8501,"end":1738.405,"sentiment":"neutral","sentiment_score":0.10697538769907422},{"text":"Okay.","start":1738.9451,"end":1739.4451,"sentiment":"neutral","sentiment_score":0.13349616527557373}],"sentiment":"neutral","sentiment_score":0.1538246447255589,"num_words":106,"start":1711.5449,"end":1739.4451},{"sentences":[{"text":"All good.","start":1741.425,"end":1742.165,"sentiment":"neutral","sentiment_score":0.3248656988143921},{"text":"Is there any questions?","start":1742.9451,"end":1743.9851,"sentiment":"neutral","sentiment_score":0.15921183302998543},{"text":"Do you have any questions, concerns, or anything that you kinda wanted to bring up with me, or did you just wanna take some time to read it over?","start":1743.9851,"end":1750.7051,"sentiment":"neutral","sentiment_score":0.08418671542714382},{"text":"Or we're all good.","start":1750.7051,"end":1753.88,"sentiment":"positive","sentiment_score":0.35120557015761733},{"text":"Beautiful.","start":1753.88,"end":1754.38,"sentiment":"positive","sentiment_score":0.6416466236114502}],"sentiment":"neutral","sentiment_score":0.1443615595344454,"num_words":40,"start":1741.425,"end":1754.38},{"sentences":[{"text":"I was glad I was able to come up with a plan, and my last conversation wasn't the best.","start":1754.4401,"end":1758.52,"sentiment":"neutral","sentiment_score":0.2746674183167909},{"text":"And I do apologize.","start":1758.52,"end":1759.5801,"sentiment":"neutral","sentiment_score":-0.050015995278954506},{"text":"It's not something I wanted to do, but I wanted to sort of, you know, talk to you about where we were going and what we were looking at and come up with the best possible strategy to help you knowing that this is a short term strategy, and we'll definitely look at focusing on things a bit more down the track for you as well.","start":1759.64,"end":1775.965,"sentiment":"neutral","sentiment_score":0.127388225134575},{"text":"Okay?","start":1776.105,"end":1776.605,"sentiment":"neutral","sentiment_score":0.051722489297389984},{"text":"All good.","start":1779.32,"end":1779.98,"sentiment":"neutral","sentiment_score":0.277834877371788}],"sentiment":"neutral","sentiment_score":0.15253947901984918,"num_words":92,"start":1754.4401,"end":1779.98},{"sentences":[{"text":"Have a read through it.","start":1780.04,"end":1780.76,"sentiment":"neutral","sentiment_score":0.22599440217018127},{"text":"Let me know if there's any questions.","start":1780.76,"end":1782.14,"sentiment":"neutral","sentiment_score":0.15732446100030625},{"text":"We'll just get you to sign and return it back so we can make those changes there for you.","start":1782.28,"end":1786.22,"sentiment":"neutral","sentiment_score":0.22536979301979668},{"text":"With the catch up, would you like me to do a catch up with you in about three months, six months?","start":1787.0,"end":1792.875,"sentiment":"neutral","sentiment_score":0.035044818584408076},{"text":"What's what's the preference for yourself there, Ross?","start":1792.875,"end":1796.015,"sentiment":"neutral","sentiment_score":0.019418298033997416}],"sentiment":"neutral","sentiment_score":0.12340928132956226,"num_words":60,"start":1780.04,"end":1796.015},{"sentences":[{"text":"Yeah.","start":1799.755,"end":1800.0751,"sentiment":"neutral","sentiment_score":0.10213258862495422},{"text":"Absolutely.","start":1800.0751,"end":1800.5751,"sentiment":"neutral","sentiment_score":0.12203845381736755},{"text":"Three months.","start":1800.795,"end":1801.275,"sentiment":"neutral","sentiment_score":0.06639303639531136},{"text":"I'll pop a catch up in the system.","start":1801.275,"end":1803.055,"sentiment":"neutral","sentiment_score":0.13759135827422142},{"text":"My admin team member will give you a call in three months to book in a time and see how things are going.","start":1803.275,"end":1808.175,"sentiment":"neutral","sentiment_score":0.17274398065131644}],"sentiment":"neutral","sentiment_score":0.15516570104019983,"num_words":35,"start":1799.755,"end":1808.175},{"sentences":[{"text":"And if you need anything in the meantime, please don't ever hesitate.","start":1808.77,"end":1811.83,"sentiment":"neutral","sentiment_score":0.14102505395809808},{"text":"Let me know.","start":1811.89,"end":1812.61,"sentiment":"neutral","sentiment_score":0.1441143105427424},{"text":"I will book in time, day or night, to assist you and have a chat.","start":1812.61,"end":1816.53,"sentiment":"neutral","sentiment_score":0.17575352191925048},{"text":"Okay?","start":1816.53,"end":1817.03,"sentiment":"neutral","sentiment_score":0.09745509922504424},{"text":"All good.","start":1819.57,"end":1820.13,"sentiment":"positive","sentiment_score":0.3515714704990387}],"sentiment":"neutral","sentiment_score":0.16853164994355405,"num_words":33,"start":1808.77,"end":1820.13},{"sentences":[{"text":"Thank you so much for your time today.","start":1820.13,"end":1821.89,"sentiment":"positive","sentiment_score":0.7183897271752357},{"text":"I really appreciate it.","start":1821.89,"end":1822.8251,"sentiment":"positive","sentiment_score":0.6855709701776505},{"text":"And do you have any other plans or anything you got going on today?","start":1822.8251,"end":1825.625,"sentiment":"neutral","sentiment_score":0.180355218904359},{"text":"Are you just gonna rest?","start":1825.625,"end":1826.8451,"sentiment":"neutral","sentiment_score":0.051453670114278795},{"text":"Sounds good.","start":1830.665,"end":1831.2251,"sentiment":"positive","sentiment_score":0.6837843060493469}],"sentiment":"positive","sentiment_score":0.38300641592253337,"num_words":33,"start":1820.13,"end":1831.2251},{"sentences":[{"text":"What are you watching?","start":1831.2251,"end":1832.1051,"sentiment":"neutral","sentiment_score":0.31366343796253204},{"text":"Anything fun?","start":1832.1051,"end":1833.005,"sentiment":"neutral","sentiment_score":0.2896086126565933},{"text":"I love that.","start":1838.95,"end":1840.07,"sentiment":"positive","sentiment_score":0.769413153330485},{"text":"That's good.","start":1840.07,"end":1840.89,"sentiment":"positive","sentiment_score":0.6489844918251038},{"text":"Oh, fantastic.","start":1842.95,"end":1843.9299,"sentiment":"positive","sentiment_score":0.7576296329498291}],"sentiment":"positive","sentiment_score":0.5350260528234335,"num_words":13,"start":1831.2251,"end":1843.9299},{"sentences":[{"text":"Well, hopefully, you have a good aft a good day, a good afternoon, and, yeah, I'll make sure we touch base.","start":1844.3099,"end":1851.015,"sentiment":"positive","sentiment_score":0.5379372423603421},{"text":"Okay?","start":1851.015,"end":1851.495,"sentiment":"neutral","sentiment_score":0.1950943022966385},{"text":"Let me know if there's any questions in relation to any part of the document there for you.","start":1851.495,"end":1855.595,"sentiment":"neutral","sentiment_score":0.22842743454707992},{"text":"Okay.","start":1855.655,"end":1856.155,"sentiment":"neutral","sentiment_score":0.21075013279914856},{"text":"My pleasure, Ross.","start":1858.215,"end":1859.255,"sentiment":"positive","sentiment_score":0.8023391564687093}],"sentiment":"positive","sentiment_score":0.41411904127083043,"num_words":44,"start":1844.3099,"end":1859.255},{"sentences":[{"text":"You have a good hour.","start":1859.255,"end":1860.215,"sentiment":"positive","sentiment_score":0.7195931434631347},{"text":"Talk to you soon.","start":1860.215,"end":1861.195,"sentiment":"positive","sentiment_score":0.4821838065981865},{"text":"See you later.","start":1863.8668,"end":1864.7468,"sentiment":"positive","sentiment_score":0.3918587267398834},{"text":"Bye.","start":1864.7468,"end":1865.2468,"sentiment":"neutral","sentiment_score":0.20370933413505551}],"sentiment":"positive","sentiment_score":0.5312297275433173,"num_words":13,"start":1859.255,"end":1865.2468}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Not too bad. Yourself? Yeah. Yep. Yep. Yep. Yep. Not a problem. Ross Higgins. 7th Of The 5th 80. 7 Bligh Court, Sinclair. Yep. Yep. Looking at it. Yeah. Yep. Yep. Yeah. Yep. No. That's about right. Yeah. No. Yep. Yep. Not a problem. Yep. Yes. Definitely. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yeah. Just an offset. Not a problem. Yeah. Yeah. Yeah. So, essentially, I'm I'm losing roughly, what, 1,200 a year. Yes. Yeah. Definitely. Yep. Yeah. Yeah. Definitely. No. It's all going pretty good at the moment. Yep. Yep. Okay. Yep. No. I'm still good. Not a problem. Yep. No. We're all good. Not a problem. Probably do another three months if we could. Not a problem. No. Not much. I think it's a Netflix day. No. I just I just finished a series, Peaky Blinders. Yeah. That was pretty good. Yeah. Not a problem. Thank you very much. No worries. Same with you. 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an offset.","start":1168.92,"end":1173.42,"sentiment":"neutral","sentiment_score":0.22332360843817392},{"text":"Not a problem.","start":1184.395,"end":1185.2949,"sentiment":"neutral","sentiment_score":0.31924915810426074}],"sentiment":"neutral","sentiment_score":0.28052788972854614,"num_words":9,"start":1162.405,"end":1185.2949},{"sentences":[{"text":"Yeah.","start":1263.49,"end":1263.8099,"sentiment":"neutral","sentiment_score":-0.04398133605718613},{"text":"Yeah.","start":1263.8099,"end":1264.13,"sentiment":"neutral","sentiment_score":-0.005666930228471756},{"text":"Yeah.","start":1264.13,"end":1264.63,"sentiment":"neutral","sentiment_score":0.01256779208779335},{"text":"So, essentially, I'm I'm losing roughly, what, 1,200 a 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all going pretty good at the moment.","start":1429.76,"end":1431.7,"sentiment":"neutral","sentiment_score":-0.017446264391765},{"text":"Yep.","start":1462.5599,"end":1463.0599,"sentiment":"neutral","sentiment_score":0.16596120595932007},{"text":"Yep.","start":1523.765,"end":1524.085,"sentiment":"neutral","sentiment_score":0.21053658425807953}],"sentiment":"neutral","sentiment_score":0.029285055429985125,"num_words":12,"start":1425.84,"end":1524.085},{"sentences":[{"text":"Okay.","start":1524.085,"end":1524.585,"sentiment":"neutral","sentiment_score":0.3063459098339081},{"text":"Yep.","start":1599.7699,"end":1600.2699,"sentiment":"neutral","sentiment_score":0.245580792427063},{"text":"No.","start":1605.69,"end":1605.9299,"sentiment":"neutral","sentiment_score":-0.08330684155225754},{"text":"I'm still good.","start":1605.9299,"end":1606.75,"sentiment":"neutral","sentiment_score":0.21563356121381125},{"text":"Not a problem.","start":1620.295,"end":1621.1151,"sentiment":"positive","sentiment_score":0.36292171478271484}],"sentiment":"neutral","sentiment_score":0.24492063207758796,"num_words":9,"start":1524.085,"end":1621.1151},{"sentences":[{"text":"Yep.","start":1740.16,"end":1740.66,"sentiment":"neutral","sentiment_score":0.16256532073020935},{"text":"No.","start":1751.52,"end":1751.76,"sentiment":"neutral","sentiment_score":-0.02410792000591755},{"text":"We're all good.","start":1751.76,"end":1752.66,"sentiment":"neutral","sentiment_score":0.20353902876377106},{"text":"Not a problem.","start":1777.61,"end":1778.51,"sentiment":"neutral","sentiment_score":0.14829542736212412},{"text":"Probably do another three months if we could.","start":1797.345,"end":1799.365,"sentiment":"neutral","sentiment_score":0.0028469017706811424}],"sentiment":"neutral","sentiment_score":0.07604599895421416,"num_words":16,"start":1740.16,"end":1799.365},{"sentences":[{"text":"Not a problem.","start":1817.855,"end":1818.755,"sentiment":"neutral","sentiment_score":0.17449732621510824},{"text":"No.","start":1827.48,"end":1827.8,"sentiment":"neutral","sentiment_score":-0.07346329092979431},{"text":"Not much.","start":1827.8,"end":1828.36,"sentiment":"neutral","sentiment_score":-0.05590253323316574},{"text":"I think it's a Netflix day.","start":1828.36,"end":1829.98,"sentiment":"positive","sentiment_score":0.4844188988208771},{"text":"No.","start":1833.48,"end":1833.88,"sentiment":"neutral","sentiment_score":0.05246349051594734}],"sentiment":"neutral","sentiment_score":0.25363080805310834,"num_words":13,"start":1817.855,"end":1833.88},{"sentences":[{"text":"I just I just finished a series, Peaky Blinders.","start":1833.88,"end":1837.98,"sentiment":"neutral","sentiment_score":0.31917601658238304},{"text":"Yeah.","start":1840.28,"end":1840.6,"sentiment":"positive","sentiment_score":0.5204880833625793},{"text":"That was pretty good.","start":1840.6,"end":1841.48,"sentiment":"positive","sentiment_score":0.7672284245491028},{"text":"Yeah.","start":1841.48,"end":1841.98,"sentiment":"positive","sentiment_score":0.5493385791778564},{"text":"Not a problem.","start":1855.86,"end":1856.66,"sentiment":"positive","sentiment_score":0.4240284860134125}],"sentiment":"positive","sentiment_score":0.46018944266769624,"num_words":18,"start":1833.88,"end":1856.66},{"sentences":[{"text":"Thank you very much.","start":1856.66,"end":1857.8,"sentiment":"positive","sentiment_score":0.832433670759201},{"text":"No worries.","start":1861.86,"end":1862.58,"sentiment":"neutral","sentiment_score":0.2559300363063812},{"text":"Same with you.","start":1862.58,"end":1863.48,"sentiment":"positive","sentiment_score":0.3972702423731486},{"text":"Bye.","start":1865.62,"end":1866.12,"sentiment":"neutral","sentiment_score":-0.1120086833834648}],"sentiment":"positive","sentiment_score":0.4921396799385548,"num_words":10,"start":1856.66,"end":1866.12}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Ross. This is Dana from Ocean Financial. How are you this morning?\n\nChannel 1: Yeah. Not too bad. Yourself?\n\nChannel 0: I'm very well. Thank you. Very well. I have your updated statement of advice to run through with you this morning. Is now still a good\n\nChannel 1: Yeah.\n\nChannel 0: time? Fantastic. Are you able to jump into your emails there at all at the moment? Or\n\nChannel 1: Yep.\n\nChannel 0: yeah. All good. I'm just gonna email this document through to you.\n\nChannel 1: Yep.\n\nChannel 0: Sorry.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. My throat's a little bit sore this morning, so I do apologize if I stopped briefly or if my voice starts to go. So just let me know if you need me to repeat anything. Sorry about that. Russ, before we jump into the call properly, just to let you know, we do record these calls for quality and training purposes.\n\nMoving forward, are you comfortable with me doing that?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you.\n\nChannel 1: Ross Higgins. 7th Of The 5th 80. 7 Bligh Court,\n\nChannel 0: Yep.\n\nChannel 1: Sinclair.\n\nChannel 0: Beautiful. Thank you so much for that. Now just when that email does come through to you then, I'll send it to your y seven mail address.\n\nChannel 1: Yep.\n\nChannel 0: If you can just open that one up and let me know when you're looking at that statement of advice there.\n\nChannel 1: Yep. Looking at it.\n\nChannel 0: Fantastic. Now the first page there does note the statement of advice has been prepared by your for yourself, sorry, by my lovely team here at OZ Financial. The date on the document is the 05/12/2026. It's when we finally completed the document there for you, and our documents are valid for sixty days from the date on the front there. However, if anything changes and you take a bit more time to decide whether you're taking on the advice, you just let me know.\n\nWe can always just update your circumstances. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: On the bottom of the front page here, it notes my license number for you. So I am a full license adviser. My representative number through OC Financial is 1304394. And as we go through the document, you'll note I've got the best interest duty. So it's really important that any advice we do provide is there to help you meet your goals.\n\nWe're looking after your super, and this is, you know, everything you've worked very hard for up until point and will continue to work hard for moving forward. So it is really important that we now understand what your goals are, that the advice is related back to your goals, and that it is being provided in best interest to help you keep your super work as hard as possible for as long as possible.\n\nChannel 1: Yep.\n\nChannel 0: Okay? So we've limited the scope on this advice document. If you keep scrolling down a few pages there, you'll see we're scoping in our superannuation. So, realistically, you're not working at the moment still on workers' compensation. So we are looking to your goal at the moment is to keep working as long as possible once you're able to return to work, if you're able to return to work, and we wanna keep you super working a bit harder.\n\nWe did sort of talk about reducing the risk level, and I did do a lot of research as per our last conversation around what that might look like, noting that because your insurance premiums are quite high, a lot of the research I was able to do does show your super does deplete over time. So I've been trying to find a way to be able to keep the money invested, keep it working harder for you in the best possible portfolio, but also possibly have an intermittent contributions to kind of help offset that a little bit there. So I'll take you through what I've done at the bottom here. But I have factored in the superannuation side of things. We are also factoring in the estate planning.\n\nYour beneficiaries were a confirmed sign on your super. However, we're just making a note in here that we do recommend you speak to our solicitor and make sure your will and power of attorneys are established and or updated on a regular basis there as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: We have next page down on page number six is the limited scope. So with your insurance policies, your life and CBD there, you wanted to keep those for the next twelve months to see what happens after you've had your twelve months review from your surgery. We will wanna look at reviewing this down the track there. These insurance policies are just gonna keep getting more and more expensive, and I do not want them to deplete your super back to nothing. So I'll make sure moving forward that we do get to catch up and review the insurances and look at what we can do down the track here.\n\nOkay?\n\nChannel 1: Yeah.\n\nChannel 0: Out of scope areas are trauma and insure income protection. So you don't have those parts of cover at the moment. Because you are not working, we're not gonna be able to get income protection until you're able to go back to work, and trauma again. Whilst we can probably get some trauma, because you are receiving that workers' compensation, it's probably not best to be increasing your expenditure out of pocket, and they can be paying more for insurances. So we're scoping those out for now, but we can always talk about those down the track when you're able to or wanting to discuss those in further details.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. To make this a bit easier, I've got the about you section on page number nine. So if you can just run your eyes over that for me, is there any major changes to any of those details? No. You know, state of birth and things may not have been updated, but is there any major changes to any of the other information that I could update for you at all?\n\nChannel 1: No. That's about right.\n\nChannel 0: Yep. Beautiful. And you're getting 1,200 per week from workers' compensation, aren't you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. Perfect. On the next page, we've outlined your assets as noted on the last tax line that we were able to complete. I know with your savings, there could be some changes to that.\n\nBut is there anything major on here that we should update in the back end for you?\n\nChannel 1: No.\n\nChannel 0: That's okay? Beautiful. The next page outlines your current superannuation balance as of the date of the document there and your insurance policy that you have at the moment with your license TBD. To make things a little bit easier, I'm gonna skip through a couple of pages. I'll let you go back and have a really good read of the document thereafter as well so you can run your eyes over it and take it all in.\n\nBut if I can just get you to scroll down to page number 20 for me, we'll sort of start here. I'll take you through the recommendations and show you the bulk of what I'm I'm recommending we do there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now as I'm going through this, Ross, if you do find you wanna ask any questions, just tell me to stop and let me know, and you're welcome to ask anything you like. Okay?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: All good. Now with your superannuation at the moment, I did go back and have a look at the investment the way they were working for you, and I am recommending a few additional changes. So, essentially, what we are recommending is just a bit of a rebalance. So one of the important things and why we like to rebalance your super is essentially because when we make a recommendation initially and say, if we had as initially recommended you hold 10% of all these different investments, over the course of time, some investments are gonna increase faster or more than others, which changes the level of risk that you're taking, but it also does tend to change the way the investments work for you and the and the returns. So what I'm recommending we do is just make quick rebalance of your super.\n\nJust because some of your investments have done a little bit better than others, you're overexposed in certain areas, which means you are taking a bit more risk in certain areas there as well. I'm also rebalancing this because I'm able to I found a way to reduce your risk level a little bit. So when we kinda spoke last time, you were in that high growth environment. So, essentially, within your portfolio at the moment, you're taking you've got about 98.4% in growth investment. So you are taking a lot of risk in the market having more of those higher risk investments like Australian equities, international equities, property, and alternatives like gold as well.\n\nThose are the investments that take on a bit more risk, and they do fluctuate or go up and down a lot more drastically. They're the ones that make us quite nervous. So I was able to reduce your exposure from those from 98.4% back to 86%. I know last time you and I spoken, it was hard to sort of I'm trying to find a portfolio that would reduce your risk level a little bit, but I would also provide returns to sort of look after your super balance. We weren't able to reduce it down to the balance growth environment that you originally wanted to because if I had had done that by reducing those risk level as much, you reduce the returns very heavily.\n\nAnd it was just seeing your super get eaten away in the next one, two to three to four years. So I tried to find a way to reduce the risk level for you, but also making sure that the portfolio had shown past performance so we can try to make sure those returns are keeping up and keeping your super working forward. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So this portfolio here, we are able to reduce it down. It's about a 10% drop essentially in the risk level that you are taking there. We're able to just buy into a bit of physical gold there a bit. We wanna make sure that you've got about 10% in physical gold.\n\nWe also wanna make sure that you've got the beta shares a 200 in there. So we're just gonna sell off a little bit of that to bring you back to 20 percent. We've also got some beta shares cybersecurity. We're gonna sell off a bit of that and bring you back to 5%. We've also got the European shares.\n\nWe wanna buy in a little bit more of those, bring you up to 8%. The iShares Misky is a bit more of a European exposure there. We're selling off all of that for you, just removing that. A bit of Japan exposure there, we're gonna sell off, make sure you've only got about 5% of that. The S and P 500, The US exposure, you are a bit overexposed in there at the moment, so we're just gonna pull that back to about seven point, sorry, to about 30% and sell a bit over $700 of that.\n\nWith the Vanguard All World US, we're gonna buy in. Don't have any of it at the moment, so we're gonna buy into that for you. It's part of giving you diversified global in exposure. So one of the big ways that we can look to reduce risk is by diversifying and making sure you're invested in lots of different asset classes, like growth and defensive investment shares and and gold and silver as well as bonds and fixed interest, but also making sure we look at not just Australia and The US and the European markets, but the entire world that takes advantage of Australian markets, Italian markets, you know, all of the European areas plus the Asian countries, and making sure that we're in not only the markets that are already well established, but also up and coming markets as well. And the Vanguard All World ex US, so this this doesn't include The US because you've got the S and P 500 exposure there, helps to give you diversification across the entire globe minus The US there.\n\nSo I'm trying to diversify, but also make sure it's a cost effective portfolio and try to reduce the cost a bit for you as well. Does that make sense?\n\nChannel 1: Yes. Definitely.\n\nChannel 0: Yeah. Perfect. And then we've got the iShares core composite fund there. So you don't have any at the moment, and we're just gonna invest about 8% and sorry. 8,700 and have about 14% in there as well.\n\nAnd that's essentially more of those diversified defensive investments. So this is seen as more of a low risk investment, core composite bonds. It utilizes government as well as corporate bonds. It also looks at bank notes and other fixed interests across the globe as well. So it's not just here in Australia.\n\nThis investment is investing globally as well for you. So adding to the diversification, and it's also increasing those defensive assets a little bit to helping to reduce your risk level in the portfolio. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The next page is outlined that we are gonna keep a little bit of cash. So within your portfolio, we need to keep a bit over 1% of cash in there. So we're just going to essentially buy in about $221.33 from your cash account into those investments. So you'll only have about $700 in cash.\n\nEssentially, with your super fund, keeping money in cash doesn't really earn much of an interest rate. It does tend to cost more money to have money sitting in cash. So we essentially just wanna keep a minimum cash target in your super cash account and have the rest of the money invested across this portfolio for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So, essentially, on the next page there, you'll see it's got a little bit of a a pie chart there. And if you just look at the third column across, it's got the proposed. It's essentially reducing your risk level by reducing your growth assets from 98.4 down to 86%, and then we're increasing those defensive assets from 1.6 to about 14% there for you. So it's looking to reduce that risk level a little bit, but also make sure that we're rebalancing your portfolio, and also bringing up some of those defensive assets for you just for the time being.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: All good. If you look at the next page, this is page number 23. You've got the fee comparison table there. It's important I kinda take you through the advantages here that we are able to reduce your risk level, but there are obviously disadvantages and risks involved in doing so. So at the with the fee comparison table there, you've got your current column, and that essentially shows your current balance there with all the administration fees, investment fees, any other fees applicable to the account, the ongoing service fee there as well.\n\nYou're not currently making any contributions, and you do have your insurance premiums noted. At the moment, you are in that high growth environment there. And with the five g rolling average, this portfolio has averaged about 11.63%. Obviously, with the depending on market conditions, you don't get that every year, but this is sort of showing you what this has averaged over the last five years there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With the recommendations, I'm recommending that we do keep NetWell. I didn't wanna kinda move to any other any other platforms. I did look at cheaper and other platforms. The biggest thing with moving the platforms is that we do have to sell that over your investment. So it does mean there's a larger capital gains consequence for your super.\n\nYour super fund, just like you and I do every year, does a tax return for your fund. So they do pay income tax, capital gains tax every year. So we wanted to limit that. The bigger the capital gains tax, the less you end up with at the end of the day. So I wanted to try and limit that as much as possible.\n\nSo with the recommended change of reducing that risk and altering your portfolio slightly, the CGT expectation for this is about a $116, so I was able to minimize that as much as possible. Okay?\n\nChannel 1: Yep.\n\nChannel 0: You'll see the administration fees don't change because we're not changing it from Netwealth at all. But with the newer portfolio, it is making a slight change in the investment fees. It's actually gonna be about $6 less. It's only a small amount less than what you're currently paying in in investment fees. But, look, $6 when you consider that compounded over the next seventeen years towards the age of 60, that essentially does compound quite high and can make a significant difference there for you.\n\nSo I also wanted to try and reduce the fees as much as we possibly could. Alright?\n\nChannel 1: Yep.\n\nChannel 0: The ongoing service fee still comes out. It's only very minimal for this. Your balance is much smaller. With the contribution, so the other thing we did talk about was that I did wanna try and look at being able to make some sort of contributions to the fund. Essentially, with this, I'm recommending that you do make a contribution to your super fund of about $25 per week.\n\nSo it's essentially $1,200 per year or a $100 per month, which is something that you may mentioned you were fairly comfortable trying to do.\n\nChannel 1: Yep.\n\nChannel 0: The really important thing is because, like, I'm trying to reduce the risk and make your super fund work. With your insurance premiums being so high, I looked at so many different options. I looked at not not changing your portfolio and keeping it high risk. We also looked at not making contributions versus making contributions. They even tried looking at whether I roll you out to an industry fund which could be cheaper as well.\n\nBut all of those scenarios essentially made it that you were gonna be worse off in time and also taking on a very high level of risk there. So the best scenario was to be able to contribute a bit of money to your super fund, and doing it as a $100 on a monthly basis or something as simple $25 per week if we break it down that way. It means that you're transferring money in on a regular basis, which can help to offset some of the insurance premiums, but that money is also invested. So it is also helping to create growth from your super fund there. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Essentially, you'll see the figure there as 1,020. This is taking into account the tax side of things. So I'm recommending there are different ways to make contributions, but I'm recommending that you do make these as a deductible contribution. So it means that we can get you to transfer the money. We you can set it up as a regular b pay amount.\n\nWe can send you the information, or you can do it manually every month or every week depending on your how comfortable you are. Or we can do it as a one off transaction at the end of the final two year. That's completely fine too. We'll work with what your comfort level is there.\n\nChannel 1: Yep.\n\nChannel 0: So with the contributions, they'll go in from your bank account. They go into your fund as an after tax contribution. At the end of the year, at the end of the financial year in about July, we'll do what's called a notice of intent for you. So because you're on workers' compensation, it's still technically taxable income. So what we can do is with this these funds in your super, we can claim a notice of intent that essentially tells your super fund that you're planning to claim a tax deduction for the funds that you've put into the, into the super fund.\n\nThey will then change the contribution and claim that notice of intent. And the $1,200 that you've put into super, you can then let your accountant know at the end of the year that you've made the contribution and that you'll be able to claim that back on your tax return as well. So\n\nChannel 1: Yep.\n\nChannel 0: you're putting money into Safa, but it's also giving you a tax deduction at the end of the year. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yeah. Just an\n\nChannel 0: Yeah. Yeah. Yeah. Correct. So it's about\n\nChannel 1: offset.\n\nChannel 0: just sort of finding ways to give you a little bit of a benefit, but also making sure that we can help you super as well. Because the last thing I want is for your super to be depleted. Okay?\n\nChannel 1: Not a problem.\n\nChannel 0: Easy. Underneath that, the investor profile, you'll see this is essentially the growth portfolio, so it is reducing your risk level a little bit. You will see there that the five year rolling average, because we are reducing the risk level a little bit, it does obviously affect the returns, and the returns have been reduced just slightly. So it's about 0.6% over the last five years in the difference in the return. It goes from 11.63 to 11.03.\n\nBy doing all of this, you can sort of see over the next twelve months, and this is kind of where I'm focused at the moment, by reducing your risk and still getting a good return, by keeping your insurance premiums, but also being able to contribute and saving on some of those fees, we've been able to try to, with with the projected outcome, keep your super working a little bit harder. So so long as we can get a good return as depending on what the markets do over the next twelve months with the contributions going in there as well. You can sort of see it does keep you in a good position. Your balance does deplete slightly from where it is now, but we're still keeping it going. So it's not depleting as much as what it what it could with out those additional contributions in there.\n\nDoes that make sense?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. So just trying to limit how much it's depleting and try to keep it working harder. So we want the markets to perform well to give you enough growth to cover the insurance premiums and utilize some contributions to try and offset that as well so that we can keep you\n\nChannel 1: So, essentially,\n\nChannel 0: super working\n\nChannel 1: I'm\n\nChannel 0: harder.\n\nChannel 1: I'm losing roughly, what, 1,200 a year.\n\nChannel 0: At the moment, yeah. Yeah. If it continues going, I mean, with this, you can see in five years, you're still expected to have about 59,000 in there, which is good. With some of the other projections I've looked at, it showed in the next five years, you could essentially only end up with about 40 odd thousand in there. So this has sort of been the best way to keep it working harder.\n\nIt is still depleting, but not depleting as much. What I do wanna do and I've also made a little disclaimer in the bottom here. This strategy is meant to be a short term approach. What I kind of wanna\n\nChannel 1: Yes.\n\nChannel 0: do is make sure that I keep catching up with you throughout the year. And in twelve months, when we know what's happening with your work or your workers' compensation and what's happening with your health, let's readjust and reevaluate this.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: This was yeah. I just wanted to sort of see where we could go and what we could do for one year to sort of help you along, keep your super as high as we possibly can, and then we reevaluate it in twelve months because we're gonna need to alter and adjust this strategy a bit more regularly to make sure that you don't lose it. Okay?\n\nChannel 1: Yep.\n\nChannel 0: All good. If you at the bottom of the next side, halfway down the next page, you'll see another little table there. It's got your current and recommended as per the above, but it also has an extra column showing no insurances. This is not something we would wanna do right now because there is a risk that you might need to claim on your TPD cover. But if you were not paying any insurances out of your super at all, over the next five years, you can see the difference.\n\nSo insurance premiums are having quite an effect on your super. And you could see if you weren't paying any insurances and were able to still get the growth that we have above, you could've you could end up with about 88,190 in five years. So we just sort of put this table in here to show you the effective insurance premiums on your super because insurance premiums do have an effect long term,\n\nChannel 1: Yeah.\n\nChannel 0: and they do get more and more expensive as you get older as well. So, we'll just keep reviewing those and keep looking at things, and I do wanna update this plan definitely in twelve months, if not before, to see how things are going for you. Does that make sense?\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Yeah. Do you have any questions?\n\nChannel 1: No. It's all going pretty good at\n\nChannel 0: No?\n\nChannel 1: the moment.\n\nChannel 0: Yep. Beautiful. Beautiful. I wanted to sort of show you this. I didn't wanna give you a plan that was just gonna eat away all your sleepers.\n\nSo we've done the best we can to try and make sure it continues working. I even looked at moving back to industry funds and whatever else we can do there, but it just it still was being eaten away. It was putting you in a worse position. So at least this way, we can still look after it, still keep watching it. We can catch up every couple of months and see how you're going, and then we can update the advice and look at what we do next for you as well.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: All good. The next couple of pages do also go through a bit more around that deductible contribution. It is really important that you go through. Have a bit of a read of those. I've got an outline for you the advantages, the disadvantages, and the risks involved with this having using a deductible contribution, it does mean the funds are coming out of your bank account.\n\nSo it's either really important that you're able to make that contribution manually or that you set up a regular direct debit or BPAY, and we can give you the information so it can be set up. So every week or once a month or however often you would like it to happen, it does come out and continue to go into super. That way, you do get the benefits of doing so. The downside is the funds do go into super. So it does mean that they are locked away in super, and you're not able to access them until you meet a condition of release.\n\nBut we've tried to make it as minimal as possible and within your comfort level to make sure that it's working for you. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Excellent. With the notice of intent, once we see the contributions going in, myself and my team will make sure we contact you every July to make sure that you're able to, you know, see if you're still comfortable making that claiming the notice of intent, and we'll help you to do that. Essentially, you just sign the form. We submit it to Netwealth. They'll organize it, and then we'll provide you with the confirmation to hand to your accountant, and that will all work for you.\n\nIn the appendices that I do have attached there as well, if you decide not to claim the notice of intent, you don't then get the the deduction on your income tax. But it does mean that you do leave that full $12,000 inside super, which means more money is invested. And that can, over the next sort of one to five years, place you in a better position than what has been recommended. The reason I recommended we do the notice of intent is that because you are still, you know, you're still receiving taxable income, essentially, still gonna do a tax return. This gives you a little bit more of a tax deduction.\n\nSo that might give you a little bit of a bonus or a refund at the end of the financial year, which would be a benefit for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Do you have any questions? You're welcome to ask me anything you like.\n\nChannel 1: No. I'm still good.\n\nChannel 0: It's all good. Attached to your email, you will see the appendices. I've outlined a lot of the alternatives. I've considered so you're welcome to run your eyes over that. Ross, if you do have questions around any of those, do let me know.\n\nOkay?\n\nChannel 1: Not a problem.\n\nChannel 0: All good. I've also got in there just the information around the will and the power of attorney. It's really important that we do make sure that you set up a a will and a power of attorney. Those are done by solicitors, not by us, but we do refer you to a solicitor for the setting up of those. I'm not sure if we have in the past, but we can always email through some information on the local solicitor we use.\n\nAlternatively, because this is discussing very sensitive information around estate planning, if you do have a local solicitor you're comfortable speaking to and organizing that, then I do recommend you speak to them as well. So I'm just making sure that everything is set up in the event that something was to happen. And even for the future as well, I do know quite a lot of clients who have passed away in their eighties and nineties and still haven't had a will in place, and then going through the probate process can be a lot for someone's family. Okay? Excellent.\n\nIt's just that retaining your insurances as they are. We'll review those in the next few months as well. And then just letting you know as well, we've got the ongoing service agreement attached there for you. So having us look after your social, you do pay us an ongoing service fee. It is 1.65% per annum.\n\nThat is the yearly figure, and it's deducted on a a smaller scale on a monthly basis from your super. I'll make sure that I keep sort of monitoring things with you, and we'll do a bit of a catch up in the next few months there as well. But I've got the ongoing service agreement attached to the the DocuSign there for you to sign and return back for me. And then I've also attached the tax file opt in form. So we just like to make sure that you're aware of the information we hold on you because we set you see that any insurance is up.\n\nWe hold your tax file number, and we just wanna make sure we get the consent to continue holding that and make sure you're aware of the information that we do hold there for you and the security that we undertake to protect that information. Okay.\n\nChannel 1: Yep.\n\nChannel 0: All good. Is there any questions? Do you have any questions, concerns, or anything that you kinda wanted to bring up with me, or did you just wanna take some time to read it over? Or\n\nChannel 1: No. We're all good.\n\nChannel 0: we're all good. Beautiful. I was glad I was able to come up with a plan, and my last conversation wasn't the best. And I do apologize. It's not something I wanted to do, but I wanted to sort of, you know, talk to you about where we were going and what we were looking at and come up with the best possible strategy to help you knowing that this is a short term strategy, and we'll definitely look at focusing on things a bit more down the track for you as well.\n\nOkay?\n\nChannel 1: Not a problem.\n\nChannel 0: All good. Have a read through it. Let me know if there's any questions. We'll just get you to sign and return it back so we can make those changes there for you. With the catch up, would you like me to do a catch up with you in about three months, six months?\n\nWhat's what's the preference for yourself there, Ross?\n\nChannel 1: Probably do another three months if we could.\n\nChannel 0: Yeah. Absolutely. Three months. I'll pop a catch up in the system. My admin team member will give you a call in three months to book in a time and see how things are going.\n\nAnd if you need anything in the meantime, please don't ever hesitate. Let me know. I will book in time, day or night, to assist you and have a chat. Okay?\n\nChannel 1: Not a problem.\n\nChannel 0: All good. Thank you so much for your time today. I really appreciate it. And do you have any other plans or anything you got going on today? Are you just gonna rest?\n\nChannel 1: No. Not much. I think it's a Netflix day.\n\nChannel 0: Sounds good. What are you watching? Anything fun?\n\nChannel 1: No. I just I just finished a series, Peaky Blinders.\n\nChannel 0: I love that. That's\n\nChannel 1: Yeah.\n\nChannel 0: good.\n\nChannel 1: That was pretty good. Yeah.\n\nChannel 0: Oh, fantastic. Well, hopefully, you have a good aft a good day, a good afternoon, and, yeah, I'll make sure we touch base. Okay? Let me know if there's any questions in relation to any part of the document there for you. Okay.\n\nChannel 1: Not a problem. Thank you very much.\n\nChannel 0: My pleasure, Ross. You have a good hour. Talk to you soon.\n\nChannel 1: No worries. Same with you.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.029851894825696945}],"sentiment":"neutral","sentiment_score":0.029851894825696945,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Hi, Ross.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.13337060809135437},{"text":"This is Dana from Ocean Financial.","start":3.6799998,"end":5.38,"sentiment":"neutral","sentiment_score":0.17100379119316736},{"text":"How are you this morning?","start":5.44,"end":6.66,"sentiment":"neutral","sentiment_score":0.25090024769306185}],"sentiment":"neutral","sentiment_score":0.19594347706207862,"channel":0,"num_words":13,"start":3.04,"end":6.66},{"sentences":[{"text":"Yeah.","start":6.7999997,"end":7.12,"sentiment":"neutral","sentiment_score":0.18778449296951297},{"text":"Not too bad.","start":7.12,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.22429785132408142},{"text":"Yourself?","start":7.8399997,"end":8.34,"sentiment":"neutral","sentiment_score":0.22343043982982635}],"sentiment":"neutral","sentiment_score":0.21682169735431672,"channel":1,"num_words":5,"start":6.7999997,"end":8.34},{"sentences":[{"text":"I'm very well.","start":8.639999,"end":9.679999,"sentiment":"positive","sentiment_score":0.5618727207183838},{"text":"Thank you.","start":9.679999,"end":10.24,"sentiment":"positive","sentiment_score":0.7359674572944641},{"text":"Very well.","start":10.24,"end":11.059999,"sentiment":"positive","sentiment_score":0.6156092584133148},{"text":"I have your updated statement of advice to run through with you this morning.","start":11.2,"end":14.799999,"sentiment":"positive","sentiment_score":0.44016080668994356},{"text":"Is now still a good","start":14.799999,"end":15.645,"sentiment":"neutral","sentiment_score":0.29732983112335204}],"sentiment":"positive","sentiment_score":0.46298738626333386,"channel":0,"num_words":26,"start":8.639999,"end":15.645},{"sentences":[{"text":"Yeah.","start":16.635,"end":17.135,"sentiment":"neutral","sentiment_score":0.20242424309253693}],"sentiment":"neutral","sentiment_score":0.20242424309253693,"channel":1,"num_words":1,"start":16.635,"end":17.135},{"sentences":[{"text":"time?","start":18.045,"end":18.205,"sentiment":"neutral","sentiment_score":0.213944748044014},{"text":"Fantastic.","start":18.205,"end":18.705,"sentiment":"positive","sentiment_score":0.5328456163406372},{"text":"Are you able to jump into your emails there at all at the moment?","start":19.085001,"end":23.165,"sentiment":"neutral","sentiment_score":0.16262256460530417},{"text":"Or","start":23.165,"end":23.665,"sentiment":"neutral","sentiment_score":0.05309935659170151}],"sentiment":"neutral","sentiment_score":0.18097680149709477,"channel":0,"num_words":17,"start":18.045,"end":23.665},{"sentences":[{"text":"Yep.","start":24.395,"end":24.895,"sentiment":"neutral","sentiment_score":0.0761069655418396}],"sentiment":"neutral","sentiment_score":0.0761069655418396,"channel":1,"num_words":1,"start":24.395,"end":24.895},{"sentences":[{"text":"yeah.","start":25.565,"end":25.965,"sentiment":"neutral","sentiment_score":0.15559640526771543},{"text":"All good.","start":25.965,"end":26.365,"sentiment":"neutral","sentiment_score":0.3157132714986801},{"text":"I'm just gonna email this document through to you.","start":26.365,"end":29.025002,"sentiment":"neutral","sentiment_score":0.1654833952585856}],"sentiment":"neutral","sentiment_score":0.18969779213269553,"channel":0,"num_words":12,"start":25.565,"end":29.025002},{"sentences":[{"text":"Yep.","start":33.6,"end":34.1,"sentiment":"neutral","sentiment_score":0.020537380129098892}],"sentiment":"neutral","sentiment_score":0.020537380129098892,"channel":1,"num_words":1,"start":33.6,"end":34.1},{"sentences":[{"text":"Sorry.","start":34.92,"end":35.42,"sentiment":"neutral","sentiment_score":-0.013264741748571396}],"sentiment":"neutral","sentiment_score":-0.013264741748571396,"channel":0,"num_words":1,"start":34.92,"end":35.42},{"sentences":[{"text":"Yep.","start":36.08,"end":36.58,"sentiment":"neutral","sentiment_score":-0.008510027080774307}],"sentiment":"neutral","sentiment_score":-0.008510027080774307,"channel":1,"num_words":1,"start":36.08,"end":36.58},{"sentences":[{"text":"Sorry.","start":37.32,"end":37.8,"sentiment":"neutral","sentiment_score":-0.12102940678596497},{"text":"My throat's a little bit sore this morning, so I do apologize if I stopped briefly or if my voice starts to go.","start":37.8,"end":44.68,"sentiment":"neutral","sentiment_score":-0.25057981778746063},{"text":"So just let me know if you need me to repeat anything.","start":44.68,"end":46.815,"sentiment":"neutral","sentiment_score":-0.062377962904671826},{"text":"Sorry about that.","start":46.815,"end":47.795,"sentiment":"neutral","sentiment_score":-0.1813837339480718},{"text":"Russ, before we jump into the call properly, just to let you know, we do record these calls for quality and training purposes.","start":49.774998,"end":55.135,"sentiment":"neutral","sentiment_score":-0.0019595500729654145}],"sentiment":"neutral","sentiment_score":-0.11648583264961358,"channel":0,"num_words":62,"start":37.32,"end":55.135},{"sentences":[{"text":"Moving forward, are you comfortable with me doing that?","start":55.135,"end":57.635,"sentiment":"neutral","sentiment_score":0.031398781264821686}],"sentiment":"neutral","sentiment_score":0.031398781264821686,"channel":0,"num_words":9,"start":55.135,"end":57.635},{"sentences":[{"text":"Yep.","start":57.745003,"end":58.065002,"sentiment":"neutral","sentiment_score":0.07766318321228027},{"text":"Not a problem.","start":58.065002,"end":58.885002,"sentiment":"neutral","sentiment_score":0.2620628873507182}],"sentiment":"neutral","sentiment_score":0.2159629613161087,"channel":1,"num_words":4,"start":57.745003,"end":58.885002},{"sentences":[{"text":"Fantastic.","start":59.51,"end":60.01,"sentiment":"positive","sentiment_score":0.5854262709617615},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you.","start":60.07,"end":66.81,"sentiment":"neutral","sentiment_score":0.22182962433858353}],"sentiment":"neutral","sentiment_score":0.23252364335691228,"channel":0,"num_words":34,"start":59.51,"end":66.81},{"sentences":[{"text":"Ross Higgins.","start":67.12,"end":68.020004,"sentiment":"neutral","sentiment_score":0.02893819287419319},{"text":"7th Of The 5th 80.","start":68.24,"end":69.6,"sentiment":"neutral","sentiment_score":0.021929744631052017},{"text":"7 Bligh Court,","start":69.6,"end":70.48,"sentiment":"neutral","sentiment_score":0.027637745564182598}],"sentiment":"neutral","sentiment_score":0.025043834559619428,"channel":1,"num_words":10,"start":67.12,"end":70.48},{"sentences":[{"text":"Yep.","start":70.47,"end":70.97,"sentiment":"neutral","sentiment_score":0.04025533050298691}],"sentiment":"neutral","sentiment_score":0.04025533050298691,"channel":0,"num_words":1,"start":70.47,"end":70.97},{"sentences":[{"text":"Sinclair.","start":70.48,"end":70.98,"sentiment":"neutral","sentiment_score":0.0575326532125473}],"sentiment":"neutral","sentiment_score":0.0575326532125473,"channel":1,"num_words":1,"start":70.48,"end":70.98},{"sentences":[{"text":"Beautiful.","start":71.83,"end":72.33,"sentiment":"positive","sentiment_score":0.4214925765991211},{"text":"Thank you so much for that.","start":72.549995,"end":74.409996,"sentiment":"positive","sentiment_score":0.565312127272288},{"text":"Now just when that email does come through to you then, I'll send it to your y seven mail address.","start":75.555,"end":81.175,"sentiment":"neutral","sentiment_score":0.1685878150165081}],"sentiment":"neutral","sentiment_score":0.2661156163171486,"channel":0,"num_words":27,"start":71.83,"end":81.175},{"sentences":[{"text":"Yep.","start":81.825,"end":82.325,"sentiment":"neutral","sentiment_score":0.10369031131267548}],"sentiment":"neutral","sentiment_score":0.10369031131267548,"channel":1,"num_words":1,"start":81.825,"end":82.325},{"sentences":[{"text":"If you can just open that one up and let me know when you're looking at that statement of advice there.","start":82.195,"end":87.655,"sentiment":"neutral","sentiment_score":0.10055242478847504}],"sentiment":"neutral","sentiment_score":0.10055242478847504,"channel":0,"num_words":21,"start":82.195,"end":87.655},{"sentences":[{"text":"Yep.","start":88.0,"end":88.32,"sentiment":"neutral","sentiment_score":0.08238466084003448},{"text":"Looking at it.","start":88.32,"end":89.299995,"sentiment":"neutral","sentiment_score":0.1674984246492386}],"sentiment":"neutral","sentiment_score":0.14621998369693756,"channel":1,"num_words":4,"start":88.0,"end":89.299995},{"sentences":[{"text":"Fantastic.","start":89.97,"end":90.47,"sentiment":"positive","sentiment_score":0.4157955050468445},{"text":"Now the first page there does note the statement of advice has been prepared by your for yourself, sorry, by my lovely team here at OZ Financial.","start":90.689995,"end":97.75,"sentiment":"neutral","sentiment_score":0.15156638401525993},{"text":"The date on the document is the 05/12/2026.","start":98.28999,"end":101.325,"sentiment":"neutral","sentiment_score":0.07174560986459255},{"text":"It's when we finally completed the document there for you, and our documents are valid for sixty days from the date on the front there.","start":101.725,"end":109.005,"sentiment":"neutral","sentiment_score":0.10895094722509384},{"text":"However, if anything changes and you take a bit more time to decide whether you're taking on the advice, you just let me know.","start":109.005,"end":114.685,"sentiment":"neutral","sentiment_score":0.018338204671939213}],"sentiment":"neutral","sentiment_score":0.097011098177994,"channel":0,"num_words":85,"start":89.97,"end":114.685},{"sentences":[{"text":"We can always just update your circumstances.","start":114.685,"end":116.465,"sentiment":"neutral","sentiment_score":0.08561015608055252},{"text":"Okay?","start":117.18,"end":117.68,"sentiment":"neutral","sentiment_score":0.07030060142278671}],"sentiment":"neutral","sentiment_score":0.08369646174833179,"channel":0,"num_words":8,"start":114.685,"end":117.68},{"sentences":[{"text":"Yeah.","start":118.11,"end":118.61,"sentiment":"neutral","sentiment_score":0.055308543145656586}],"sentiment":"neutral","sentiment_score":0.055308543145656586,"channel":1,"num_words":1,"start":118.11,"end":118.61},{"sentences":[{"text":"On the bottom of the front page here, it notes my license number for you.","start":119.82,"end":123.100006,"sentiment":"neutral","sentiment_score":0.05137488692998886},{"text":"So I am a full license adviser.","start":123.100006,"end":124.8,"sentiment":"neutral","sentiment_score":0.05158832722476551},{"text":"My representative number through OC Financial is 1304394.","start":124.94,"end":130.32,"sentiment":"neutral","sentiment_score":0.044694630429148674},{"text":"And as we go through the document, you'll note I've got the best interest duty.","start":131.205,"end":135.285,"sentiment":"neutral","sentiment_score":0.11108646790186565},{"text":"So it's really important that any advice we do provide is there to help you meet your goals.","start":135.285,"end":139.305,"sentiment":"positive","sentiment_score":0.39531175461080337}],"sentiment":"neutral","sentiment_score":0.16303503554728296,"channel":0,"num_words":63,"start":119.82,"end":139.305},{"sentences":[{"text":"We're looking after your super, and this is, you know, everything you've worked very hard for up until point and will continue to work hard for moving forward.","start":139.605,"end":147.23999,"sentiment":"neutral","sentiment_score":0.1963330108140196},{"text":"So it is really important that we now understand what your goals are, that the advice is related back to your goals, and that it is being provided in best interest to help you keep your super work as hard as possible for as long as possible.","start":147.78,"end":160.255,"sentiment":"positive","sentiment_score":0.3530905215030021}],"sentiment":"neutral","sentiment_score":0.29456771751244865,"channel":0,"num_words":75,"start":139.605,"end":160.255},{"sentences":[{"text":"Yep.","start":161.485,"end":161.985,"sentiment":"neutral","sentiment_score":0.042907021939754486}],"sentiment":"neutral","sentiment_score":0.042907021939754486,"channel":1,"num_words":1,"start":161.485,"end":161.985},{"sentences":[{"text":"Okay?","start":162.395,"end":162.895,"sentiment":"neutral","sentiment_score":0.005869382992386818},{"text":"So we've limited the scope on this advice document.","start":162.955,"end":165.835,"sentiment":"neutral","sentiment_score":-0.07779437427719434},{"text":"If you keep scrolling down a few pages there, you'll see we're scoping in our superannuation.","start":165.835,"end":170.815,"sentiment":"neutral","sentiment_score":-0.026868244327488355},{"text":"So, realistically, you're not working at the moment still on workers' compensation.","start":171.355,"end":175.05501,"sentiment":"neutral","sentiment_score":-0.31305723637342453},{"text":"So we are looking to your goal at the moment is to keep working as long as possible once you're able to return to work, if you're able to return to work, and we wanna keep you super working a bit harder.","start":176.12999,"end":186.95,"sentiment":"neutral","sentiment_score":0.21494558684173085}],"sentiment":"neutral","sentiment_score":0.05183569895161781,"channel":0,"num_words":80,"start":162.395,"end":186.95},{"sentences":[{"text":"We did sort of talk about reducing the risk level, and I did do a lot of research as per our last conversation around what that might look like, noting that because your insurance premiums are quite high, a lot of the research I was able to do does show your super does deplete over time.","start":187.17,"end":205.15,"sentiment":"neutral","sentiment_score":-0.097278155519494},{"text":"So I've been trying to find a way to be able to keep the money invested, keep it working harder for you in the best possible portfolio, but also possibly have an intermittent contributions to kind of help offset that a little bit there.","start":205.15,"end":218.67,"sentiment":"neutral","sentiment_score":0.0863851611925797},{"text":"So I'll take you through what I've done at the bottom here.","start":218.67,"end":221.905,"sentiment":"neutral","sentiment_score":0.16705937931934992},{"text":"But I have factored in the superannuation side of things.","start":223.00499,"end":226.22499,"sentiment":"neutral","sentiment_score":0.14473622292280197},{"text":"We are also factoring in the estate planning.","start":226.36499,"end":229.025,"sentiment":"neutral","sentiment_score":0.14633110165596008}],"sentiment":"neutral","sentiment_score":0.02289303059761341,"channel":0,"num_words":130,"start":187.17,"end":229.025},{"sentences":[{"text":"Your beneficiaries were a confirmed sign on your super.","start":229.165,"end":232.29001,"sentiment":"neutral","sentiment_score":0.17527054250240326},{"text":"However, we're just making a note in here that we do recommend you speak to our solicitor and make sure your will and power of attorneys are established and or updated on a regular basis there as well.","start":232.29001,"end":243.41,"sentiment":"neutral","sentiment_score":0.11141160169714376},{"text":"Okay?","start":243.41,"end":243.91,"sentiment":"neutral","sentiment_score":0.06393320858478546}],"sentiment":"neutral","sentiment_score":0.12239601990828912,"channel":0,"num_words":48,"start":229.165,"end":243.91},{"sentences":[{"text":"Yep.","start":244.55501,"end":245.05501,"sentiment":"neutral","sentiment_score":0.032820895314216614}],"sentiment":"neutral","sentiment_score":0.032820895314216614,"channel":1,"num_words":1,"start":244.55501,"end":245.05501},{"sentences":[{"text":"We have next page down on page number six is the limited scope.","start":246.105,"end":250.745,"sentiment":"neutral","sentiment_score":-0.03173471800982952},{"text":"So with your insurance policies, your life and CBD there, you wanted to keep those for the next twelve months to see what happens after you've had your twelve months review from your surgery.","start":250.745,"end":259.565,"sentiment":"neutral","sentiment_score":0.0059686245889786415},{"text":"We will wanna look at reviewing this down the track there.","start":260.81,"end":264.65002,"sentiment":"neutral","sentiment_score":0.0002942439168691637},{"text":"These insurance policies are just gonna keep getting more and more expensive, and I do not want them to deplete your super back to nothing.","start":264.65002,"end":270.97,"sentiment":"negative","sentiment_score":-0.4326732337474823},{"text":"So I'll make sure moving forward that we do get to catch up and review the insurances and look at what we can do down the track here.","start":270.97,"end":277.945,"sentiment":"neutral","sentiment_score":-0.0021198824646749665}],"sentiment":"neutral","sentiment_score":-0.09984296367310726,"channel":0,"num_words":111,"start":246.105,"end":277.945},{"sentences":[{"text":"Okay?","start":278.005,"end":278.505,"sentiment":"neutral","sentiment_score":-0.03488437831401825}],"sentiment":"neutral","sentiment_score":-0.03488437831401825,"channel":0,"num_words":1,"start":278.005,"end":278.505},{"sentences":[{"text":"Yeah.","start":279.29,"end":279.79,"sentiment":"neutral","sentiment_score":-0.06225637346506119}],"sentiment":"neutral","sentiment_score":-0.06225637346506119,"channel":1,"num_words":1,"start":279.29,"end":279.79},{"sentences":[{"text":"Out of scope areas are trauma and insure income protection.","start":280.805,"end":284.825,"sentiment":"neutral","sentiment_score":-0.1492317348718643},{"text":"So you don't have those parts of cover at the moment.","start":284.885,"end":287.385,"sentiment":"neutral","sentiment_score":-0.18051827089353042},{"text":"Because you are not working, we're not gonna be able to get income protection until you're able to go back to work, and trauma again.","start":287.605,"end":295.33,"sentiment":"neutral","sentiment_score":-0.24639277398586273},{"text":"Whilst we can probably get some trauma, because you are receiving that workers' compensation, it's probably not best to be increasing your expenditure out of pocket, and they can be paying more for insurances.","start":295.33,"end":305.26498,"sentiment":"negative","sentiment_score":-0.3401419055812499},{"text":"So we're scoping those out for now, but we can always talk about those down the track when you're able to or wanting to discuss those in further details.","start":305.805,"end":313.82498,"sentiment":"neutral","sentiment_score":-0.0026416334741074464}],"sentiment":"neutral","sentiment_score":-0.1952226590706941,"channel":0,"num_words":109,"start":280.805,"end":313.82498},{"sentences":[{"text":"Okay?","start":314.125,"end":314.625,"sentiment":"neutral","sentiment_score":0.027455415576696396}],"sentiment":"neutral","sentiment_score":0.027455415576696396,"channel":0,"num_words":1,"start":314.125,"end":314.625},{"sentences":[{"text":"Yep.","start":315.38998,"end":315.88998,"sentiment":"neutral","sentiment_score":0.0756649523973465}],"sentiment":"neutral","sentiment_score":0.0756649523973465,"channel":1,"num_words":1,"start":315.38998,"end":315.88998},{"sentences":[{"text":"Perfect.","start":316.74,"end":317.24,"sentiment":"neutral","sentiment_score":0.23565061390399933},{"text":"To make this a bit easier, I've got the about you section on page number nine.","start":318.18,"end":322.84,"sentiment":"neutral","sentiment_score":0.12239079969003797},{"text":"So if you can just run your eyes over that for me, is there any major changes to any of those details?","start":323.06,"end":329.38,"sentiment":"neutral","sentiment_score":0.0368711460720409},{"text":"No.","start":329.38,"end":329.62,"sentiment":"neutral","sentiment_score":-0.07241468131542206},{"text":"You know, state of birth and things may not have been updated, but is there any major changes to any of the other information that I could update for you at all?","start":329.62,"end":337.105,"sentiment":"neutral","sentiment_score":-0.07004420785233378}],"sentiment":"neutral","sentiment_score":0.009600545693602826,"channel":0,"num_words":72,"start":316.74,"end":337.105},{"sentences":[{"text":"No.","start":343.5,"end":343.82,"sentiment":"neutral","sentiment_score":-0.0739426389336586},{"text":"That's about right.","start":343.82,"end":344.96,"sentiment":"neutral","sentiment_score":-0.03668033021191756}],"sentiment":"neutral","sentiment_score":-0.04599590739235282,"channel":1,"num_words":4,"start":343.5,"end":344.96},{"sentences":[{"text":"Yep.","start":345.58002,"end":345.90002,"sentiment":"neutral","sentiment_score":0.08173894137144089},{"text":"Beautiful.","start":345.90002,"end":346.40002,"sentiment":"neutral","sentiment_score":0.25565508008003235},{"text":"And you're getting 1,200 per week from workers' compensation, aren't you?","start":346.54,"end":350.32,"sentiment":"neutral","sentiment_score":0.06383402848785574}],"sentiment":"neutral","sentiment_score":0.07996679498599125,"channel":0,"num_words":13,"start":345.58002,"end":350.32},{"sentences":[{"text":"Yeah.","start":350.535,"end":351.035,"sentiment":"neutral","sentiment_score":0.05261782556772232}],"sentiment":"neutral","sentiment_score":0.05261782556772232,"channel":1,"num_words":1,"start":350.535,"end":351.035},{"sentences":[{"text":"Yep.","start":351.66,"end":352.06003,"sentiment":"neutral","sentiment_score":0.0660337507724762},{"text":"Yep.","start":352.06003,"end":352.54,"sentiment":"neutral","sentiment_score":0.1139061078429222},{"text":"Perfect.","start":352.54,"end":353.04,"sentiment":"neutral","sentiment_score":0.2527483105659485},{"text":"On the next page, we've outlined your assets as noted on the last tax line that we were able to complete.","start":353.90002,"end":360.235,"sentiment":"neutral","sentiment_score":0.07156258803747949},{"text":"I know with your savings, there could be some changes to that.","start":360.235,"end":363.29498,"sentiment":"neutral","sentiment_score":0.033417039550840855}],"sentiment":"neutral","sentiment_score":0.06490297201606962,"channel":0,"num_words":36,"start":351.66,"end":363.29498},{"sentences":[{"text":"But is there anything major on here that we should update in the back end for you?","start":363.75497,"end":368.25497,"sentiment":"neutral","sentiment_score":-0.020903733394601765}],"sentiment":"neutral","sentiment_score":-0.020903733394601765,"channel":0,"num_words":17,"start":363.75497,"end":368.25497},{"sentences":[{"text":"No.","start":368.94,"end":369.44,"sentiment":"neutral","sentiment_score":-0.052581265568733215}],"sentiment":"neutral","sentiment_score":-0.052581265568733215,"channel":1,"num_words":1,"start":368.94,"end":369.44},{"sentences":[{"text":"That's okay?","start":370.235,"end":371.055,"sentiment":"neutral","sentiment_score":0.022221678867936134},{"text":"Beautiful.","start":371.19498,"end":371.69498,"sentiment":"neutral","sentiment_score":0.2718210220336914},{"text":"The next page outlines your current superannuation balance as of the date of the document there and your insurance policy that you have at the moment with your license TBD.","start":373.68002,"end":382.66,"sentiment":"neutral","sentiment_score":0.06509885756919781},{"text":"To make things a little bit easier, I'm gonna skip through a couple of pages.","start":383.76,"end":387.055,"sentiment":"neutral","sentiment_score":0.1661278928319613},{"text":"I'll let you go back and have a really good read of the document thereafter as well so you can run your eyes over it and take it all in.","start":387.055,"end":393.235,"sentiment":"positive","sentiment_score":0.37694700211286547}],"sentiment":"neutral","sentiment_score":0.20601998157321644,"channel":0,"num_words":78,"start":370.235,"end":393.235},{"sentences":[{"text":"But if I can just get you to scroll down to page number 20 for me, we'll sort of start here.","start":393.375,"end":397.935,"sentiment":"neutral","sentiment_score":0.12435198043073926},{"text":"I'll take you through the recommendations and show you the bulk of what I'm I'm recommending we do there for you.","start":397.935,"end":403.86002,"sentiment":"positive","sentiment_score":0.3708909551302592},{"text":"Okay?","start":403.86002,"end":404.36002,"sentiment":"neutral","sentiment_score":0.19627568125724792}],"sentiment":"neutral","sentiment_score":0.24642737972181897,"channel":0,"num_words":43,"start":393.375,"end":404.36002},{"sentences":[{"text":"Yep.","start":405.305,"end":405.805,"sentiment":"positive","sentiment_score":0.38742852210998535}],"sentiment":"positive","sentiment_score":0.38742852210998535,"channel":1,"num_words":1,"start":405.305,"end":405.805},{"sentences":[{"text":"Perfect.","start":407.46002,"end":407.96002,"sentiment":"positive","sentiment_score":0.6731115579605103},{"text":"Now as I'm going through this, Ross, if you do find you wanna ask any questions, just tell me to stop and let me know, and you're welcome to ask anything you like.","start":408.18002,"end":416.42,"sentiment":"positive","sentiment_score":0.33699434905341175},{"text":"Okay?","start":416.42,"end":416.92,"sentiment":"neutral","sentiment_score":0.16751815378665924}],"sentiment":"positive","sentiment_score":0.34175552087170735,"channel":0,"num_words":35,"start":407.46002,"end":416.92},{"sentences":[{"text":"Yep.","start":417.78,"end":418.1,"sentiment":"neutral","sentiment_score":0.18949729204177856},{"text":"Not a problem.","start":418.1,"end":418.92,"sentiment":"positive","sentiment_score":0.41599708795547485}],"sentiment":"positive","sentiment_score":0.3593721389770508,"channel":1,"num_words":4,"start":417.78,"end":418.92},{"sentences":[{"text":"All good.","start":419.51498,"end":420.25497,"sentiment":"positive","sentiment_score":0.6237241923809052},{"text":"Now with your superannuation at the moment, I did go back and have a look at the investment the way they were working for you, and I am recommending a few additional changes.","start":420.395,"end":428.955,"sentiment":"neutral","sentiment_score":0.23905276484561688},{"text":"So, essentially, what we are recommending is just a bit of a rebalance.","start":428.955,"end":432.57498,"sentiment":"neutral","sentiment_score":0.16267209500074387},{"text":"So one of the important things and why we like to rebalance your super is essentially because when we make a recommendation initially and say, if we had as initially recommended you hold 10% of all these different investments, over the course of time, some investments are gonna increase faster or more than others, which changes the level of risk that you're taking, but it also does tend to change the way the investments work for you and the and the returns.","start":432.82,"end":459.135,"sentiment":"neutral","sentiment_score":0.024763709070478996},{"text":"So what I'm recommending we do is just make quick rebalance of your super.","start":459.755,"end":464.62,"sentiment":"neutral","sentiment_score":0.19084700888821057}],"sentiment":"neutral","sentiment_score":0.11078756338813239,"channel":0,"num_words":144,"start":419.51498,"end":464.62},{"sentences":[{"text":"Just because some of your investments have done a little bit better than others, you're overexposed in certain areas, which means you are taking a bit more risk in certain areas there as well.","start":465.24,"end":474.54,"sentiment":"neutral","sentiment_score":-0.052494222407831866},{"text":"I'm also rebalancing this because I'm able to I found a way to reduce your risk level a little bit.","start":474.745,"end":480.10498,"sentiment":"neutral","sentiment_score":0.28299702480435374},{"text":"So when we kinda spoke last time, you were in that high growth environment.","start":480.10498,"end":483.88498,"sentiment":"neutral","sentiment_score":0.05525905638933182},{"text":"So, essentially, within your portfolio at the moment, you're taking you've got about 98.4% in growth investment.","start":484.185,"end":492.11002,"sentiment":"neutral","sentiment_score":0.09408395731931224},{"text":"So you are taking a lot of risk in the market having more of those higher risk investments like Australian equities, international equities, property, and alternatives like gold as well.","start":492.17,"end":503.795,"sentiment":"neutral","sentiment_score":-0.23469090089201927}],"sentiment":"neutral","sentiment_score":-0.00689161764052899,"channel":0,"num_words":115,"start":465.24,"end":503.795},{"sentences":[{"text":"Those are the investments that take on a bit more risk, and they do fluctuate or go up and down a lot more drastically.","start":503.935,"end":509.95502,"sentiment":"neutral","sentiment_score":-0.2990532461553812},{"text":"They're the ones that make us quite nervous.","start":510.015,"end":511.95502,"sentiment":"negative","sentiment_score":-0.39073682203888893},{"text":"So I was able to reduce your exposure from those from 98.4% back to 86%.","start":512.575,"end":519.86,"sentiment":"neutral","sentiment_score":0.14190737058719},{"text":"I know last time you and I spoken, it was hard to sort of I'm trying to find a portfolio that would reduce your risk level a little bit, but I would also provide returns to sort of look after your super balance.","start":520.48,"end":531.38,"sentiment":"neutral","sentiment_score":0.037572322629911954},{"text":"We weren't able to reduce it down to the balance growth environment that you originally wanted to because if I had had done that by reducing those risk level as much, you reduce the returns very heavily.","start":532.415,"end":544.755,"sentiment":"neutral","sentiment_score":-0.26586383923485474}],"sentiment":"neutral","sentiment_score":-0.12910168585697496,"channel":0,"num_words":127,"start":503.935,"end":544.755},{"sentences":[{"text":"And it was just seeing your super get eaten away in the next one, two to three to four years.","start":545.12,"end":550.57996,"sentiment":"negative","sentiment_score":-0.48883355110883714},{"text":"So I tried to find a way to reduce the risk level for you, but also making sure that the portfolio had shown past performance so we can try to make sure those returns are keeping up and keeping your super working forward.","start":550.8,"end":565.595,"sentiment":"neutral","sentiment_score":0.17733670233987098},{"text":"Does that make sense?","start":565.595,"end":566.57495,"sentiment":"neutral","sentiment_score":0.1545470543205738}],"sentiment":"neutral","sentiment_score":-0.022880665735522315,"channel":0,"num_words":67,"start":545.12,"end":566.57495},{"sentences":[{"text":"Yep.","start":566.89,"end":567.39,"sentiment":"neutral","sentiment_score":0.13064557313919067}],"sentiment":"neutral","sentiment_score":0.13064557313919067,"channel":1,"num_words":1,"start":566.89,"end":567.39},{"sentences":[{"text":"Yeah.","start":568.07495,"end":568.57495,"sentiment":"neutral","sentiment_score":0.2078065276145935},{"text":"So this portfolio here, we are able to reduce it down.","start":569.19495,"end":572.07495,"sentiment":"neutral","sentiment_score":0.2879250943660736},{"text":"It's about a 10% drop essentially in the risk level that you are taking there.","start":572.07495,"end":576.415,"sentiment":"neutral","sentiment_score":0.16195280253887176},{"text":"We're able to just buy into a bit of physical gold there a bit.","start":576.98,"end":581.54,"sentiment":"neutral","sentiment_score":0.20669601644788468},{"text":"We wanna make sure that you've got about 10% in physical gold.","start":581.54,"end":584.83997,"sentiment":"neutral","sentiment_score":0.2293807864189148}],"sentiment":"neutral","sentiment_score":0.21604883530229893,"channel":0,"num_words":53,"start":568.07495,"end":584.83997},{"sentences":[{"text":"We also wanna make sure that you've got the beta shares a 200 in there.","start":585.38,"end":589.48,"sentiment":"neutral","sentiment_score":0.20230052918195723},{"text":"So we're just gonna sell off a little bit of that to bring you back to 20 percent.","start":589.725,"end":593.58496,"sentiment":"neutral","sentiment_score":0.15863660805755192},{"text":"We've also got some beta shares cybersecurity.","start":593.885,"end":596.385,"sentiment":"neutral","sentiment_score":0.12216959787266594},{"text":"We're gonna sell off a bit of that and bring you back to 5%.","start":597.08496,"end":600.225,"sentiment":"neutral","sentiment_score":0.15697866146053588},{"text":"We've also got the European shares.","start":600.445,"end":603.19,"sentiment":"neutral","sentiment_score":0.11926474422216415}],"sentiment":"neutral","sentiment_score":0.16097406322757404,"channel":0,"num_words":60,"start":585.38,"end":603.19},{"sentences":[{"text":"We wanna buy in a little bit more of those, bring you up to 8%.","start":603.19,"end":606.73004,"sentiment":"neutral","sentiment_score":0.17880312452713648},{"text":"The iShares Misky is a bit more of a European exposure there.","start":607.59,"end":611.91003,"sentiment":"neutral","sentiment_score":-0.017054065441091854},{"text":"We're selling off all of that for you, just removing that.","start":611.91003,"end":615.69,"sentiment":"neutral","sentiment_score":0.00729409469799562},{"text":"A bit of Japan exposure there, we're gonna sell off, make sure you've only got about 5% of that.","start":616.71497,"end":621.755,"sentiment":"neutral","sentiment_score":-0.14729466838271996},{"text":"The S and P 500, The US exposure, you are a bit overexposed in there at the moment, so we're just gonna pull that back to about seven point, sorry, to about 30% and sell a bit over $700 of that.","start":621.755,"end":634.74,"sentiment":"neutral","sentiment_score":-0.1531972349053476}],"sentiment":"neutral","sentiment_score":-0.06655155312345952,"channel":0,"num_words":98,"start":603.19,"end":634.74},{"sentences":[{"text":"With the Vanguard All World US, we're gonna buy in.","start":635.36,"end":638.8,"sentiment":"neutral","sentiment_score":0.09237173572182655},{"text":"Don't have any of it at the moment, so we're gonna buy into that for you.","start":638.8,"end":642.255,"sentiment":"neutral","sentiment_score":0.06968031957512721},{"text":"It's part of giving you diversified global in exposure.","start":642.415,"end":646.435,"sentiment":"positive","sentiment_score":0.4216897090276082},{"text":"So one of the big ways that we can look to reduce risk is by diversifying and making sure you're invested in lots of different asset classes, like growth and defensive investment shares and and gold and silver as well as bonds and fixed interest, but also making sure we look at not just Australia and The US and the European markets, but the entire world that takes advantage of Australian markets, Italian markets, you know, all of the European areas plus the Asian countries, and making sure that we're in not only the markets that are already well established, but also up and coming markets as well.","start":646.495,"end":684.09503,"sentiment":"neutral","sentiment_score":0.2906706000643748},{"text":"And the Vanguard All World ex US, so this this doesn't include The US because you've got the S and P 500 exposure there, helps to give you diversification across the entire globe minus The US there.","start":684.23004,"end":698.305,"sentiment":"neutral","sentiment_score":0.12539168618418076}],"sentiment":"neutral","sentiment_score":0.23258737248575523,"channel":0,"num_words":180,"start":635.36,"end":698.305},{"sentences":[{"text":"So I'm trying to diversify, but also make sure it's a cost effective portfolio and try to reduce the cost a bit for you as well.","start":698.305,"end":705.185,"sentiment":"neutral","sentiment_score":0.32197941610446346},{"text":"Does that make sense?","start":705.185,"end":706.405,"sentiment":"neutral","sentiment_score":0.1335413083434105}],"sentiment":"neutral","sentiment_score":0.29685433506965636,"channel":0,"num_words":30,"start":698.305,"end":706.405},{"sentences":[{"text":"Yes.","start":706.695,"end":707.09503,"sentiment":"neutral","sentiment_score":0.25013184547424316},{"text":"Definitely.","start":707.09503,"end":707.59503,"sentiment":"positive","sentiment_score":0.35518282651901245}],"sentiment":"neutral","sentiment_score":0.3026573359966278,"channel":1,"num_words":2,"start":706.695,"end":707.59503},{"sentences":[{"text":"Yeah.","start":707.825,"end":708.305,"sentiment":"positive","sentiment_score":0.4267680048942566},{"text":"Perfect.","start":708.305,"end":708.805,"sentiment":"positive","sentiment_score":0.581487774848938},{"text":"And then we've got the iShares core composite fund there.","start":709.25,"end":711.88995,"sentiment":"neutral","sentiment_score":0.25491567999124526},{"text":"So you don't have any at the moment, and we're just gonna invest about 8% and sorry.","start":711.88995,"end":716.76996,"sentiment":"neutral","sentiment_score":0.16150082910762115},{"text":"8,700 and have about 14% in there as well.","start":716.76996,"end":721.02997,"sentiment":"neutral","sentiment_score":0.2512502090798484}],"sentiment":"neutral","sentiment_score":0.22537311990010112,"channel":0,"num_words":38,"start":707.825,"end":721.02997},{"sentences":[{"text":"And that's essentially more of those diversified defensive investments.","start":721.32996,"end":727.47504,"sentiment":"neutral","sentiment_score":0.26430697242418927},{"text":"So this is seen as more of a low risk investment, core composite bonds.","start":727.53503,"end":731.315,"sentiment":"positive","sentiment_score":0.36344899450029644},{"text":"It utilizes government as well as corporate bonds.","start":731.855,"end":734.815,"sentiment":"neutral","sentiment_score":0.31617535650730133},{"text":"It also looks at bank notes and other fixed interests across the globe as well.","start":734.815,"end":739.04,"sentiment":"neutral","sentiment_score":0.2989575405915578},{"text":"So it's not just here in Australia.","start":739.04,"end":741.06,"sentiment":"neutral","sentiment_score":0.24594054051807948}],"sentiment":"neutral","sentiment_score":0.3057056305543432,"channel":0,"num_words":53,"start":721.32996,"end":741.06},{"sentences":[{"text":"This investment is investing globally as well for you.","start":741.6,"end":744.8,"sentiment":"positive","sentiment_score":0.3540850683218903},{"text":"So adding to the diversification, and it's also increasing those defensive assets a little bit to helping to reduce your risk level in the portfolio.","start":744.8,"end":752.98,"sentiment":"positive","sentiment_score":0.5573790472745895},{"text":"Okay?","start":753.6,"end":754.1,"sentiment":"neutral","sentiment_score":0.19378796219825745}],"sentiment":"positive","sentiment_score":0.49471513597028594,"channel":0,"num_words":35,"start":741.6,"end":754.1},{"sentences":[{"text":"Yep.","start":755.05005,"end":755.55005,"sentiment":"neutral","sentiment_score":0.21192243695259097}],"sentiment":"neutral","sentiment_score":0.21192243695259097,"channel":1,"num_words":1,"start":755.05005,"end":755.55005},{"sentences":[{"text":"Yeah.","start":756.29504,"end":756.79504,"sentiment":"neutral","sentiment_score":0.214832603931427},{"text":"The next page is outlined that we are gonna keep a little bit of cash.","start":757.495,"end":761.09503,"sentiment":"neutral","sentiment_score":0.18235236704349517},{"text":"So within your portfolio, we need to keep a bit over 1% of cash in there.","start":761.09503,"end":765.73505,"sentiment":"neutral","sentiment_score":0.1500446400605142},{"text":"So we're just going to essentially buy in about $221.33 from your cash account into those investments.","start":765.73505,"end":775.29,"sentiment":"neutral","sentiment_score":0.21622571787413428},{"text":"So you'll only have about $700 in cash.","start":775.35,"end":778.08997,"sentiment":"neutral","sentiment_score":0.17021520994603634}],"sentiment":"neutral","sentiment_score":0.1822524777891343,"channel":0,"num_words":57,"start":756.29504,"end":778.08997},{"sentences":[{"text":"Essentially, with your super fund, keeping money in cash doesn't really earn much of an interest rate.","start":778.31,"end":783.465,"sentiment":"neutral","sentiment_score":0.10581784563906052},{"text":"It does tend to cost more money to have money sitting in cash.","start":783.625,"end":786.66504,"sentiment":"neutral","sentiment_score":0.03602201348313919},{"text":"So we essentially just wanna keep a minimum cash target in your super cash account and have the rest of the money invested across this portfolio for you.","start":786.66504,"end":795.385,"sentiment":"positive","sentiment_score":0.33937287649938036},{"text":"Okay?","start":795.385,"end":795.885,"sentiment":"neutral","sentiment_score":0.13771145045757294}],"sentiment":"neutral","sentiment_score":0.201819348196357,"channel":0,"num_words":59,"start":778.31,"end":795.885},{"sentences":[{"text":"Yep.","start":796.46497,"end":796.96497,"sentiment":"neutral","sentiment_score":0.14444154500961304}],"sentiment":"neutral","sentiment_score":0.14444154500961304,"channel":1,"num_words":1,"start":796.46497,"end":796.96497},{"sentences":[{"text":"Yeah.","start":797.85004,"end":798.35004,"sentiment":"neutral","sentiment_score":0.15548351407051086},{"text":"So, essentially, on the next page there, you'll see it's got a little bit of a a pie chart there.","start":799.05,"end":804.27,"sentiment":"neutral","sentiment_score":0.15737524144351484},{"text":"And if you just look at the third column across, it's got the proposed.","start":804.65,"end":808.11,"sentiment":"neutral","sentiment_score":0.18288200667926244},{"text":"It's essentially reducing your risk level by reducing your growth assets from 98.4 down to 86%, and then we're increasing those defensive assets from 1.6 to about 14% there for you.","start":809.13,"end":826.005,"sentiment":"positive","sentiment_score":0.35404395432241503},{"text":"So it's looking to reduce that risk level a little bit, but also make sure that we're rebalancing your portfolio, and also bringing up some of those defensive assets for you just for the time being.","start":826.005,"end":837.35004,"sentiment":"positive","sentiment_score":0.35515254280633396}],"sentiment":"neutral","sentiment_score":0.29043324079875854,"channel":0,"num_words":102,"start":797.85004,"end":837.35004},{"sentences":[{"text":"Okay?","start":837.49005,"end":837.99005,"sentiment":"neutral","sentiment_score":0.15478074550628662}],"sentiment":"neutral","sentiment_score":0.15478074550628662,"channel":0,"num_words":1,"start":837.49005,"end":837.99005},{"sentences":[{"text":"Yep.","start":838.71,"end":839.21,"sentiment":"neutral","sentiment_score":0.20590388774871823}],"sentiment":"neutral","sentiment_score":0.20590388774871823,"channel":1,"num_words":1,"start":838.71,"end":839.21},{"sentences":[{"text":"All good.","start":839.835,"end":840.735,"sentiment":"positive","sentiment_score":0.40702126920223236},{"text":"If you look at the next page, this is page number 23.","start":841.115,"end":844.235,"sentiment":"neutral","sentiment_score":0.06837033418317635},{"text":"You've got the fee comparison table there.","start":844.235,"end":846.735,"sentiment":"neutral","sentiment_score":0.07344516579593931},{"text":"It's important I kinda take you through the advantages here that we are able to reduce your risk level, but there are obviously disadvantages and risks involved in doing so.","start":847.115,"end":856.56,"sentiment":"neutral","sentiment_score":0.08941906069715817},{"text":"So at the with the fee comparison table there, you've got your current column, and that essentially shows your current balance there with all the administration fees, investment fees, any other fees applicable to the account, the ongoing service fee there as well.","start":856.86,"end":871.08496,"sentiment":"neutral","sentiment_score":0.10691061910501747}],"sentiment":"neutral","sentiment_score":0.10030139522983673,"channel":0,"num_words":94,"start":839.835,"end":871.08496},{"sentences":[{"text":"You're not currently making any contributions, and you do have your insurance premiums noted.","start":871.225,"end":876.045,"sentiment":"neutral","sentiment_score":-0.08240039069538138},{"text":"At the moment, you are in that high growth environment there.","start":877.37994,"end":880.5,"sentiment":"neutral","sentiment_score":-0.16594443063844333},{"text":"And with the five g rolling average, this portfolio has averaged about 11.63%.","start":880.5,"end":886.36,"sentiment":"neutral","sentiment_score":0.263989473764713},{"text":"Obviously, with the depending on market conditions, you don't get that every year, but this is sort of showing you what this has averaged over the last five years there.","start":887.06,"end":895.355,"sentiment":"neutral","sentiment_score":0.17262563028683264},{"text":"Okay?","start":895.355,"end":895.855,"sentiment":"neutral","sentiment_score":0.11778733879327774}],"sentiment":"neutral","sentiment_score":0.08332500289248275,"channel":0,"num_words":69,"start":871.225,"end":895.855},{"sentences":[{"text":"Yep.","start":896.47003,"end":896.97003,"sentiment":"neutral","sentiment_score":0.23498785495758057}],"sentiment":"neutral","sentiment_score":0.23498785495758057,"channel":1,"num_words":1,"start":896.47003,"end":896.97003},{"sentences":[{"text":"With the recommendations, I'm recommending that we do keep NetWell.","start":897.755,"end":901.515,"sentiment":"neutral","sentiment_score":0.30059252977371215},{"text":"I didn't wanna kinda move to any other any other platforms.","start":901.515,"end":905.355,"sentiment":"neutral","sentiment_score":-0.09992894225499847},{"text":"I did look at cheaper and other platforms.","start":905.355,"end":907.615,"sentiment":"neutral","sentiment_score":0.04712952673435211},{"text":"The biggest thing with moving the platforms is that we do have to sell that over your investment.","start":908.16,"end":912.82,"sentiment":"neutral","sentiment_score":0.0445885703795486},{"text":"So it does mean there's a larger capital gains consequence for your super.","start":912.95996,"end":916.98,"sentiment":"neutral","sentiment_score":0.06210035630143606}],"sentiment":"neutral","sentiment_score":0.06489403409262498,"channel":0,"num_words":60,"start":897.755,"end":916.98},{"sentences":[{"text":"Your super fund, just like you and I do every year, does a tax return for your fund.","start":917.51996,"end":921.86,"sentiment":"neutral","sentiment_score":0.24865988021095595},{"text":"So they do pay income tax, capital gains tax every year.","start":922.16,"end":925.495,"sentiment":"neutral","sentiment_score":0.07174950804222714},{"text":"So we wanted to limit that.","start":925.495,"end":927.275,"sentiment":"neutral","sentiment_score":0.14748524005214372},{"text":"The bigger the capital gains tax, the less you end up with at the end of the day.","start":927.575,"end":932.055,"sentiment":"neutral","sentiment_score":0.08669681929879719},{"text":"So I wanted to try and limit that as much as possible.","start":932.055,"end":935.195,"sentiment":"neutral","sentiment_score":0.20406916861732802}],"sentiment":"neutral","sentiment_score":0.15629856374401313,"channel":0,"num_words":65,"start":917.51996,"end":935.195},{"sentences":[{"text":"So with the recommended change of reducing that risk and altering your portfolio slightly, the CGT expectation for this is about a $116, so I was able to minimize that as much as possible.","start":935.655,"end":948.0,"sentiment":"positive","sentiment_score":0.3991954984033809},{"text":"Okay?","start":948.22003,"end":948.72003,"sentiment":"neutral","sentiment_score":0.17203974723815918}],"sentiment":"positive","sentiment_score":0.3927053340843746,"channel":0,"num_words":35,"start":935.655,"end":948.72003},{"sentences":[{"text":"Yep.","start":949.33,"end":949.83,"sentiment":"neutral","sentiment_score":0.22821103036403656}],"sentiment":"neutral","sentiment_score":0.22821103036403656,"channel":1,"num_words":1,"start":949.33,"end":949.83},{"sentences":[{"text":"You'll see the administration fees don't change because we're not changing it from Netwealth at all.","start":951.275,"end":955.91504,"sentiment":"neutral","sentiment_score":0.07804183335974813},{"text":"But with the newer portfolio, it is making a slight change in the investment fees.","start":955.91504,"end":960.075,"sentiment":"neutral","sentiment_score":0.14193017582098644},{"text":"It's actually gonna be about $6 less.","start":960.075,"end":962.735,"sentiment":"neutral","sentiment_score":0.2439850334610258},{"text":"It's only a small amount less than what you're currently paying in in investment fees.","start":963.2,"end":968.66003,"sentiment":"neutral","sentiment_score":0.1353893722097079},{"text":"But, look, $6 when you consider that compounded over the next seventeen years towards the age of 60, that essentially does compound quite high and can make a significant difference there for you.","start":969.2,"end":980.495,"sentiment":"neutral","sentiment_score":0.2881711093765317}],"sentiment":"neutral","sentiment_score":0.19332563253336174,"channel":0,"num_words":86,"start":951.275,"end":980.495},{"sentences":[{"text":"So I also wanted to try and reduce the fees as much as we possibly could.","start":980.495,"end":984.97504,"sentiment":"neutral","sentiment_score":0.21858490724116564},{"text":"Alright?","start":984.97504,"end":985.47504,"sentiment":"neutral","sentiment_score":0.1564982682466507}],"sentiment":"neutral","sentiment_score":0.21493275200619416,"channel":0,"num_words":17,"start":980.495,"end":985.47504},{"sentences":[{"text":"Yep.","start":986.32,"end":986.82,"sentiment":"neutral","sentiment_score":0.17839770019054413}],"sentiment":"neutral","sentiment_score":0.17839770019054413,"channel":1,"num_words":1,"start":986.32,"end":986.82},{"sentences":[{"text":"The ongoing service fee still comes out.","start":987.2,"end":989.12,"sentiment":"neutral","sentiment_score":-0.05726238127265658},{"text":"It's only very minimal for this.","start":989.12,"end":990.64,"sentiment":"neutral","sentiment_score":-0.08752642447749774},{"text":"Your balance is much smaller.","start":990.64,"end":992.1,"sentiment":"neutral","sentiment_score":-0.06805190443992615},{"text":"With the contribution, so the other thing we did talk about was that I did wanna try and look at being able to make some sort of contributions to the fund.","start":992.4,"end":999.94,"sentiment":"neutral","sentiment_score":0.21691762223359076},{"text":"Essentially, with this, I'm recommending that you do make a contribution to your super fund of about $25 per week.","start":1000.595,"end":1007.795,"sentiment":"neutral","sentiment_score":0.2924204654991627}],"sentiment":"neutral","sentiment_score":0.1638637805978457,"channel":0,"num_words":69,"start":987.2,"end":1007.795},{"sentences":[{"text":"So it's essentially $1,200 per year or a $100 per month, which is something that you may mentioned you were fairly comfortable trying to do.","start":1007.795,"end":1015.33496,"sentiment":"neutral","sentiment_score":0.22948881447315217}],"sentiment":"neutral","sentiment_score":0.22948881447315217,"channel":0,"num_words":25,"start":1007.795,"end":1015.33496},{"sentences":[{"text":"Yep.","start":1015.705,"end":1016.205,"sentiment":"positive","sentiment_score":0.4288923740386963}],"sentiment":"positive","sentiment_score":0.4288923740386963,"channel":1,"num_words":1,"start":1015.705,"end":1016.205},{"sentences":[{"text":"The really important thing is because, like, I'm trying to reduce the risk and make your super fund work.","start":1016.0,"end":1021.38,"sentiment":"positive","sentiment_score":0.4890075812214299},{"text":"With your insurance premiums being so high, I looked at so many different options.","start":1021.44,"end":1026.56,"sentiment":"neutral","sentiment_score":-0.005948542218123164},{"text":"I looked at not not changing your portfolio and keeping it high 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something as simple $25 per week if we break it down that way.","start":1049.33,"end":1062.385,"sentiment":"positive","sentiment_score":0.36490828011717114},{"text":"It means that you're transferring money in on a regular basis, which can help to offset some of the insurance premiums, but that money is also invested.","start":1062.605,"end":1070.545,"sentiment":"positive","sentiment_score":0.6227414961214419},{"text":"So it is also helping to create growth from your super fund there.","start":1070.925,"end":1074.87,"sentiment":"positive","sentiment_score":0.7824930594517634},{"text":"Okay?","start":1075.11,"end":1075.61,"sentiment":"neutral","sentiment_score":0.3151312470436096}],"sentiment":"neutral","sentiment_score":0.2580801125045295,"channel":0,"num_words":111,"start":1040.755,"end":1075.61},{"sentences":[{"text":"Yes.","start":1076.015,"end":1076.515,"sentiment":"neutral","sentiment_score":0.31149935722351074}],"sentiment":"neutral","sentiment_score":0.31149935722351074,"channel":1,"num_words":1,"start":1076.015,"end":1076.515},{"sentences":[{"text":"Essentially, you'll see the figure there as 1,020.","start":1077.11,"end":1080.63,"sentiment":"neutral","sentiment_score":0.20626641251146793},{"text":"This is taking into account the tax side of things.","start":1080.63,"end":1083.53,"sentiment":"neutral","sentiment_score":0.05229074582457542},{"text":"So I'm recommending there are different ways to make contributions, but I'm recommending that you do 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completely fine too.","start":1108.1,"end":1109.72,"sentiment":"positive","sentiment_score":0.6390195190906525},{"text":"We'll work with what your comfort level is there.","start":1109.78,"end":1112.28,"sentiment":"positive","sentiment_score":0.44131861130396527}],"sentiment":"neutral","sentiment_score":0.3266927253116261,"channel":0,"num_words":55,"start":1096.9551,"end":1112.28},{"sentences":[{"text":"Yep.","start":1112.755,"end":1113.255,"sentiment":"neutral","sentiment_score":0.2020536363124847}],"sentiment":"neutral","sentiment_score":0.2020536363124847,"channel":1,"num_words":1,"start":1112.755,"end":1113.255},{"sentences":[{"text":"So with the contributions, they'll go in from your bank account.","start":1113.46,"end":1116.66,"sentiment":"neutral","sentiment_score":0.18438852510669015},{"text":"They go into your fund as an after tax contribution.","start":1116.66,"end":1120.105,"sentiment":"neutral","sentiment_score":0.1858560100197792},{"text":"At the end of the year, at the 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the year.","start":1162.4501,"end":1166.8501,"sentiment":"positive","sentiment_score":0.44985541701316833},{"text":"Does that make","start":1166.8501,"end":1167.41,"sentiment":"neutral","sentiment_score":0.26294974982738495}],"sentiment":"positive","sentiment_score":0.4243682805787433,"channel":0,"num_words":22,"start":1162.4501,"end":1167.41},{"sentences":[{"text":"Yep.","start":1167.365,"end":1167.865,"sentiment":"neutral","sentiment_score":0.27647143602371216}],"sentiment":"neutral","sentiment_score":0.27647143602371216,"channel":1,"num_words":1,"start":1167.365,"end":1167.865},{"sentences":[{"text":"sense?","start":1167.41,"end":1167.91,"sentiment":"neutral","sentiment_score":0.20261207222938535}],"sentiment":"neutral","sentiment_score":0.20261207222938535,"channel":0,"num_words":1,"start":1167.41,"end":1167.91},{"sentences":[{"text":"Yeah.","start":1168.165,"end":1168.665,"sentiment":"neutral","sentiment_score":0.1990838646888733},{"text":"Just an","start":1168.92,"end":1169.66,"sentiment":"neutral","sentiment_score":0.14636265486478806}],"sentiment":"neutral","sentiment_score":0.16393639147281647,"channel":1,"num_words":3,"start":1168.165,"end":1169.66},{"sentences":[{"text":"Yeah.","start":1169.4901,"end":1169.9901,"sentiment":"neutral","sentiment_score":0.1902945041656494},{"text":"Yeah.","start":1170.6101,"end":1171.1101,"sentiment":"neutral","sentiment_score":0.2333984225988388},{"text":"Yeah.","start":1171.25,"end":1171.65,"sentiment":"neutral","sentiment_score":0.28175103664398193},{"text":"Correct.","start":1171.65,"end":1172.15,"sentiment":"positive","sentiment_score":0.39259767532348633},{"text":"So it's about","start":1172.29,"end":1173.0901,"sentiment":"positive","sentiment_score":0.3476230204105377}],"sentiment":"neutral","sentiment_score":0.3058443857090814,"channel":0,"num_words":7,"start":1169.4901,"end":1173.0901},{"sentences":[{"text":"offset.","start":1172.92,"end":1173.42,"sentiment":"positive","sentiment_score":0.3772455155849457}],"sentiment":"positive","sentiment_score":0.3772455155849457,"channel":1,"num_words":1,"start":1172.92,"end":1173.42},{"sentences":[{"text":"just sort of finding ways to give you a little bit of a benefit, but also making sure that we can help you super as well.","start":1173.0901,"end":1179.625,"sentiment":"positive","sentiment_score":0.6200086038846236},{"text":"Because the last thing I want is for your super to be depleted.","start":1179.625,"end":1182.845,"sentiment":"negative","sentiment_score":-0.33407211475647414},{"text":"Okay?","start":1183.145,"end":1183.645,"sentiment":"neutral","sentiment_score":0.012721136212348938}],"sentiment":"neutral","sentiment_score":0.29475018363446,"channel":0,"num_words":40,"start":1173.0901,"end":1183.645},{"sentences":[{"text":"Not a problem.","start":1184.395,"end":1185.2949,"sentiment":"neutral","sentiment_score":0.31924915810426074}],"sentiment":"neutral","sentiment_score":0.31924915810426074,"channel":1,"num_words":3,"start":1184.395,"end":1185.2949},{"sentences":[{"text":"Easy.","start":1185.9451,"end":1186.4451,"sentiment":"positive","sentiment_score":0.337007611989975},{"text":"Underneath that, the investor profile, you'll see this is essentially the growth portfolio, so it is reducing your risk level a little bit.","start":1187.7201,"end":1195.4801,"sentiment":"neutral","sentiment_score":0.1304644336519034},{"text":"You will see there that the five year rolling average, because we are reducing the risk level a little bit, it does obviously affect the returns, and the returns have been reduced just slightly.","start":1195.4801,"end":1205.795,"sentiment":"neutral","sentiment_score":0.0778311391306274},{"text":"So it's about 0.6% over the last five years in the difference in the return.","start":1205.795,"end":1212.115,"sentiment":"neutral","sentiment_score":0.17986313700675965},{"text":"It goes from 11.63 to 11.03.","start":1212.115,"end":1215.495,"sentiment":"neutral","sentiment_score":0.08880298150082429}],"sentiment":"neutral","sentiment_score":0.11664194000672691,"channel":0,"num_words":79,"start":1185.9451,"end":1215.495},{"sentences":[{"text":"By doing all of this, you can sort of see over the next twelve months, and this is kind of where I'm focused at the moment, by reducing your risk and still getting a good return, by keeping your insurance premiums, but also being able to contribute and saving on some of those fees, we've been able to try to, with with the projected outcome, keep your super working a little bit harder.","start":1216.02,"end":1239.275,"sentiment":"positive","sentiment_score":0.530097095933679},{"text":"So so long as we can get a good return as depending on what the markets do over the next twelve months with the contributions going in there as well.","start":1239.335,"end":1247.3,"sentiment":"positive","sentiment_score":0.543402295311292},{"text":"You can sort of see it does keep you in a good position.","start":1247.3,"end":1250.04,"sentiment":"positive","sentiment_score":0.6914259693943537},{"text":"Your balance does deplete slightly from where it is now, but we're still keeping it going.","start":1250.5,"end":1256.4401,"sentiment":"neutral","sentiment_score":-0.2182610728777945},{"text":"So it's not depleting as much as what it what it could with out those additional contributions in 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sense?","start":1261.905,"end":1262.965,"sentiment":"neutral","sentiment_score":-0.028555892407894135}],"sentiment":"neutral","sentiment_score":-0.028555892407894135,"channel":0,"num_words":4,"start":1261.905,"end":1262.965},{"sentences":[{"text":"Yeah.","start":1263.49,"end":1263.8099,"sentiment":"neutral","sentiment_score":-0.04398133605718613},{"text":"Yeah.","start":1263.8099,"end":1264.13,"sentiment":"neutral","sentiment_score":-0.005666930228471756},{"text":"Yeah.","start":1264.13,"end":1264.63,"sentiment":"neutral","sentiment_score":0.01256779208779335}],"sentiment":"neutral","sentiment_score":-0.012360158065954844,"channel":1,"num_words":3,"start":1263.49,"end":1264.63},{"sentences":[{"text":"Yeah.","start":1264.785,"end":1265.265,"sentiment":"neutral","sentiment_score":0.020936351269483566},{"text":"So just trying to limit how much it's depleting and try to keep it working harder.","start":1265.265,"end":1269.285,"sentiment":"neutral","sentiment_score":-0.09760816465131938},{"text":"So we want the markets to perform well to give you enough growth to cover the insurance premiums and utilize some contributions to try and offset that as well so that we can keep you","start":1269.4249,"end":1280.01,"sentiment":"neutral","sentiment_score":0.18609591850212642}],"sentiment":"neutral","sentiment_score":0.09562620893120766,"channel":0,"num_words":52,"start":1264.785,"end":1280.01},{"sentences":[{"text":"So, essentially,","start":1279.85,"end":1280.41,"sentiment":"neutral","sentiment_score":-0.2570832073688507}],"sentiment":"neutral","sentiment_score":-0.2570832073688507,"channel":1,"num_words":2,"start":1279.85,"end":1280.41},{"sentences":[{"text":"super working","start":1280.01,"end":1280.73,"sentiment":"neutral","sentiment_score":-0.33071574568748474}],"sentiment":"neutral","sentiment_score":-0.33071574568748474,"channel":0,"num_words":2,"start":1280.01,"end":1280.73},{"sentences":[{"text":"I'm","start":1280.41,"end":1280.91,"sentiment":"negative","sentiment_score":-0.4694269299507141}],"sentiment":"negative","sentiment_score":-0.4694269299507141,"channel":1,"num_words":1,"start":1280.41,"end":1280.91},{"sentences":[{"text":"harder.","start":1280.73,"end":1281.23,"sentiment":"negative","sentiment_score":-0.44597959518432617}],"sentiment":"negative","sentiment_score":-0.44597959518432617,"channel":0,"num_words":1,"start":1280.73,"end":1281.23},{"sentences":[{"text":"I'm losing roughly, what, 1,200 a year.","start":1281.53,"end":1283.87,"sentiment":"negative","sentiment_score":-0.5316859100546155}],"sentiment":"negative","sentiment_score":-0.5316859100546155,"channel":1,"num_words":7,"start":1281.53,"end":1283.87},{"sentences":[{"text":"At the moment, yeah.","start":1285.13,"end":1286.5701,"sentiment":"neutral","sentiment_score":-0.18414710462093353},{"text":"Yeah.","start":1286.5701,"end":1286.89,"sentiment":"neutral","sentiment_score":-0.029112305492162704},{"text":"If it continues going, I mean, with this, you can see in five years, you're still expected to have about 59,000 in there, which is good.","start":1286.89,"end":1294.645,"sentiment":"neutral","sentiment_score":0.18809285387396812},{"text":"With some of the other projections I've looked at, it showed in the next five years, you could essentially only end up with about 40 odd thousand in there.","start":1295.185,"end":1304.4601,"sentiment":"neutral","sentiment_score":-0.06809669553205885},{"text":"So this has sort of been the best way to keep it working harder.","start":1304.4601,"end":1307.8401,"sentiment":"neutral","sentiment_score":-0.10923502541014127}],"sentiment":"neutral","sentiment_score":0.008386742575345812,"channel":0,"num_words":74,"start":1285.13,"end":1307.8401},{"sentences":[{"text":"It is still depleting, but not depleting as much.","start":1308.14,"end":1311.52,"sentiment":"neutral","sentiment_score":-0.30652426679929096},{"text":"What I do wanna do and I've also made a little disclaimer in the bottom here.","start":1311.9,"end":1315.8201,"sentiment":"neutral","sentiment_score":0.009990021237172186},{"text":"This strategy is meant to be a short term approach.","start":1315.8201,"end":1318.48,"sentiment":"neutral","sentiment_score":0.029022737964987756},{"text":"What I kind of wanna","start":1318.565,"end":1319.865,"sentiment":"neutral","sentiment_score":0.08647386282682419}],"sentiment":"neutral","sentiment_score":-0.046907034190371635,"channel":0,"num_words":40,"start":1308.14,"end":1319.865},{"sentences":[{"text":"Yes.","start":1319.84,"end":1320.34,"sentiment":"neutral","sentiment_score":0.17070871591567993}],"sentiment":"neutral","sentiment_score":0.17070871591567993,"channel":1,"num_words":1,"start":1319.84,"end":1320.34},{"sentences":[{"text":"do is make sure that I keep catching up with you throughout the year.","start":1320.325,"end":1323.865,"sentiment":"neutral","sentiment_score":0.18032139486500195},{"text":"And in twelve months, when we know what's happening with your work or your workers' compensation and what's happening with your health, let's readjust and reevaluate this.","start":1324.005,"end":1334.46,"sentiment":"neutral","sentiment_score":0.008349466689482884}],"sentiment":"neutral","sentiment_score":0.06707158850551379,"channel":0,"num_words":41,"start":1320.325,"end":1334.46},{"sentences":[{"text":"Yeah.","start":1334.395,"end":1334.715,"sentiment":"neutral","sentiment_score":0.10082575678825378},{"text":"Definitely.","start":1334.715,"end":1335.215,"sentiment":"neutral","sentiment_score":0.16043148934841156}],"sentiment":"neutral","sentiment_score":0.13062862306833267,"channel":1,"num_words":2,"start":1334.395,"end":1335.215},{"sentences":[{"text":"This was yeah.","start":1335.1799,"end":1336.2999,"sentiment":"neutral","sentiment_score":0.13276920219262442},{"text":"I just wanted to sort of see where we could go and what we could do for one year to sort of help you along, keep your super as high as we possibly can, and then we reevaluate it in twelve months because we're gonna need to alter and adjust this strategy a bit more regularly to make sure that you don't lose it.","start":1336.2999,"end":1354.505,"sentiment":"neutral","sentiment_score":0.16500382887898013},{"text":"Okay?","start":1354.505,"end":1355.005,"sentiment":"neutral","sentiment_score":0.10126306116580965}],"sentiment":"neutral","sentiment_score":0.1626443487646825,"channel":0,"num_words":68,"start":1335.1799,"end":1355.005},{"sentences":[{"text":"Yep.","start":1355.705,"end":1356.205,"sentiment":"neutral","sentiment_score":0.18966560065746307}],"sentiment":"neutral","sentiment_score":0.18966560065746307,"channel":1,"num_words":1,"start":1355.705,"end":1356.205},{"sentences":[{"text":"All good.","start":1356.9049,"end":1357.6449,"sentiment":"positive","sentiment_score":0.36520326137542725},{"text":"If you at the bottom of the next side, halfway down the next page, you'll see another little table there.","start":1358.0249,"end":1364.0599,"sentiment":"neutral","sentiment_score":0.10137277618050575},{"text":"It's got your current and recommended as per the above, but it also has an extra column showing no insurances.","start":1364.44,"end":1370.38,"sentiment":"neutral","sentiment_score":0.1311203559860587},{"text":"This is not something we would wanna do right now because there is a risk that you might need to claim on your TPD cover.","start":1371.08,"end":1377.625,"sentiment":"negative","sentiment_score":-0.41090824246406554},{"text":"But if you were not paying any insurances out of your super at all, over the next five years, you can see the difference.","start":1377.9249,"end":1384.665,"sentiment":"neutral","sentiment_score":-0.03142225990692774}],"sentiment":"neutral","sentiment_score":-0.06205023223390946,"channel":0,"num_words":91,"start":1356.9049,"end":1384.665},{"sentences":[{"text":"So insurance premiums are having quite an effect on your super.","start":1384.725,"end":1388.505,"sentiment":"neutral","sentiment_score":0.13509852100502362},{"text":"And you could see if you weren't paying any insurances and were able to still get the growth that we have above, you could've you could end up with about 88,190 in five years.","start":1389.3501,"end":1400.4701,"sentiment":"neutral","sentiment_score":0.12492694026407074},{"text":"So we just sort of put this table in here to show you the effective insurance premiums on your super because insurance premiums do have an effect long term,","start":1400.4701,"end":1409.695,"sentiment":"neutral","sentiment_score":0.188888700871632}],"sentiment":"neutral","sentiment_score":0.15150502736906749,"channel":0,"num_words":74,"start":1384.725,"end":1409.695},{"sentences":[{"text":"Yeah.","start":1410.135,"end":1410.635,"sentiment":"neutral","sentiment_score":0.018563061952590942}],"sentiment":"neutral","sentiment_score":0.018563061952590942,"channel":1,"num_words":1,"start":1410.135,"end":1410.635},{"sentences":[{"text":"and they do get more and more expensive as you get older as 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moment.","start":1431.12,"end":1431.7,"sentiment":"neutral","sentiment_score":-0.04719639848917723}],"sentiment":"neutral","sentiment_score":-0.04719639848917723,"channel":1,"num_words":2,"start":1431.12,"end":1431.7},{"sentences":[{"text":"Yep.","start":1432.035,"end":1432.515,"sentiment":"neutral","sentiment_score":0.13170072436332703},{"text":"Beautiful.","start":1432.515,"end":1433.015,"sentiment":"positive","sentiment_score":0.42273738980293274},{"text":"Beautiful.","start":1433.155,"end":1433.635,"sentiment":"positive","sentiment_score":0.4178957939147949},{"text":"I wanted to sort of show you this.","start":1433.635,"end":1435.475,"sentiment":"neutral","sentiment_score":0.09426942374557257},{"text":"I didn't wanna give you a plan that was just gonna eat away all your sleepers.","start":1435.475,"end":1438.435,"sentiment":"negative","sentiment_score":-0.43813695572316647}],"sentiment":"neutral","sentiment_score":-0.1956926664268529,"channel":0,"num_words":27,"start":1432.035,"end":1438.435},{"sentences":[{"text":"So we've done the best we can to try and make sure it continues working.","start":1438.435,"end":1441.89,"sentiment":"neutral","sentiment_score":-0.09446792006492614},{"text":"I even looked at moving back to industry funds and whatever else we can do there, but it just it still was being eaten away.","start":1441.89,"end":1448.37,"sentiment":"neutral","sentiment_score":-0.2771047660708427},{"text":"It was putting you in a worse position.","start":1448.37,"end":1450.0701,"sentiment":"negative","sentiment_score":-0.5744503736495972},{"text":"So at least this way, we can still look after it, still keep watching it.","start":1450.13,"end":1453.65,"sentiment":"neutral","sentiment_score":0.002106187244256339},{"text":"We can catch up every couple of months and see how you're going, and then we can update the advice and look at what we do next for you as well.","start":1453.65,"end":1461.485,"sentiment":"neutral","sentiment_score":0.1667543897225011}],"sentiment":"neutral","sentiment_score":-0.08233257502000382,"channel":0,"num_words":94,"start":1438.435,"end":1461.485},{"sentences":[{"text":"Okay?","start":1461.545,"end":1462.045,"sentiment":"neutral","sentiment_score":0.09291734546422958}],"sentiment":"neutral","sentiment_score":0.09291734546422958,"channel":0,"num_words":1,"start":1461.545,"end":1462.045},{"sentences":[{"text":"Yep.","start":1462.5599,"end":1463.0599,"sentiment":"neutral","sentiment_score":0.16596120595932007}],"sentiment":"neutral","sentiment_score":0.16596120595932007,"channel":1,"num_words":1,"start":1462.5599,"end":1463.0599},{"sentences":[{"text":"All good.","start":1464.025,"end":1464.765,"sentiment":"positive","sentiment_score":0.34759099781513214},{"text":"The next couple of pages do also go through a bit more around that deductible contribution.","start":1466.025,"end":1470.53,"sentiment":"neutral","sentiment_score":0.03467191429808736},{"text":"It is really important that you go through.","start":1470.91,"end":1472.67,"sentiment":"neutral","sentiment_score":0.05453305272385478},{"text":"Have a bit of a read of those.","start":1472.67,"end":1473.9501,"sentiment":"neutral","sentiment_score":0.023634715471416712},{"text":"I've got an outline for you the advantages, the disadvantages, and the risks involved with this having using a deductible contribution, it does mean the funds are coming out of your bank account.","start":1473.9501,"end":1486.025,"sentiment":"neutral","sentiment_score":-0.012959253833149418}],"sentiment":"neutral","sentiment_score":0.021606259603998555,"channel":0,"num_words":67,"start":1464.025,"end":1486.025},{"sentences":[{"text":"So it's either really important that you're able to make that contribution manually or that you set up a regular direct debit or BPAY, and we can give you the information so it can be set up.","start":1486.025,"end":1496.365,"sentiment":"neutral","sentiment_score":0.2674854566922059},{"text":"So every week or once a month or however often you would like it to happen, it does come out and continue to go into super.","start":1496.48,"end":1503.76,"sentiment":"neutral","sentiment_score":0.27453066924443614},{"text":"That way, you do get the benefits of doing so.","start":1503.76,"end":1506.42,"sentiment":"positive","sentiment_score":0.5706800788640976},{"text":"The downside is the funds do go into super.","start":1506.9601,"end":1509.615,"sentiment":"neutral","sentiment_score":-0.2808552732070287},{"text":"So it does mean that they are locked away in super, and you're not able to access them until you meet a condition of release.","start":1509.615,"end":1515.635,"sentiment":"neutral","sentiment_score":-0.24943829506635665}],"sentiment":"neutral","sentiment_score":0.13063462851482016,"channel":0,"num_words":107,"start":1486.025,"end":1515.635},{"sentences":[{"text":"But we've tried to make it as minimal as possible and within your comfort level to make sure that it's working for you.","start":1516.015,"end":1522.735,"sentiment":"neutral","sentiment_score":0.19873592322287353},{"text":"Okay?","start":1522.735,"end":1523.235,"sentiment":"neutral","sentiment_score":0.11413103342056274}],"sentiment":"neutral","sentiment_score":0.19521071948111057,"channel":0,"num_words":24,"start":1516.015,"end":1523.235},{"sentences":[{"text":"Yep.","start":1523.765,"end":1524.085,"sentiment":"neutral","sentiment_score":0.21053658425807953},{"text":"Okay.","start":1524.085,"end":1524.585,"sentiment":"neutral","sentiment_score":0.3063459098339081}],"sentiment":"neutral","sentiment_score":0.2584412470459938,"channel":1,"num_words":2,"start":1523.765,"end":1524.585},{"sentences":[{"text":"Excellent.","start":1525.53,"end":1526.03,"sentiment":"positive","sentiment_score":0.753686785697937},{"text":"With the notice of intent, once we see the contributions going in, myself and my team will make sure we contact you every July to make sure that you're able to, you know, see if you're still comfortable making that claiming the notice of intent, and we'll help you to do that.","start":1526.7301,"end":1542.005,"sentiment":"neutral","sentiment_score":0.33287685034939873},{"text":"Essentially, you just sign the form.","start":1542.005,"end":1543.285,"sentiment":"neutral","sentiment_score":0.17538412287831306},{"text":"We submit it to Netwealth.","start":1543.285,"end":1545.545,"sentiment":"neutral","sentiment_score":0.13775621205568314},{"text":"They'll organize it, and then we'll provide you with the confirmation to hand to your accountant, and that will all work for you.","start":1545.685,"end":1551.75,"sentiment":"neutral","sentiment_score":0.25802917324978375}],"sentiment":"neutral","sentiment_score":0.2958510320248275,"channel":0,"num_words":87,"start":1525.53,"end":1551.75},{"sentences":[{"text":"In the appendices that I do have attached there as well, if you decide not to claim the notice of intent, you don't then get the the deduction on your income tax.","start":1552.71,"end":1563.61,"sentiment":"neutral","sentiment_score":0.14047721889801323},{"text":"But it does mean that you do leave that full $12,000 inside super, which means more money is invested.","start":1563.75,"end":1571.385,"sentiment":"neutral","sentiment_score":0.2740925558303532},{"text":"And that can, over the next sort of one to five years, place you in a better position than what has been recommended.","start":1572.165,"end":1579.465,"sentiment":"positive","sentiment_score":0.4036853060774181},{"text":"The reason I recommended we do the notice of intent is that because you are still, you know, you're still receiving taxable income, essentially, still gonna do a tax return.","start":1580.14,"end":1588.88,"sentiment":"neutral","sentiment_score":0.26936755776405336},{"text":"This gives you a little bit more of a tax 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you.","start":1591.66,"end":1597.985,"sentiment":"positive","sentiment_score":0.5176193171313831},{"text":"Okay?","start":1598.045,"end":1598.545,"sentiment":"neutral","sentiment_score":0.25834718346595764}],"sentiment":"positive","sentiment_score":0.5086788987291271,"channel":0,"num_words":29,"start":1591.66,"end":1598.545},{"sentences":[{"text":"Yep.","start":1599.7699,"end":1600.2699,"sentiment":"neutral","sentiment_score":0.245580792427063}],"sentiment":"neutral","sentiment_score":0.245580792427063,"channel":1,"num_words":1,"start":1599.7699,"end":1600.2699},{"sentences":[{"text":"Yeah.","start":1600.845,"end":1601.345,"sentiment":"neutral","sentiment_score":0.19800511002540588},{"text":"Do you have any questions?","start":1601.485,"end":1602.605,"sentiment":"neutral","sentiment_score":0.14848572611808777},{"text":"You're welcome to ask me anything you 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alternatives.","start":1610.6001,"end":1612.3,"sentiment":"neutral","sentiment_score":0.12049677010093417},{"text":"I've considered so you're welcome to run your eyes over that.","start":1612.3601,"end":1615.18,"sentiment":"positive","sentiment_score":0.4304026947780089},{"text":"Ross, if you do have questions around any of those, do let me know.","start":1615.56,"end":1619.0801,"sentiment":"neutral","sentiment_score":0.1423042682664735}],"sentiment":"neutral","sentiment_score":0.22901439031755383,"channel":0,"num_words":44,"start":1607.16,"end":1619.0801},{"sentences":[{"text":"Okay?","start":1619.0801,"end":1619.5801,"sentiment":"neutral","sentiment_score":0.1319005787372589}],"sentiment":"neutral","sentiment_score":0.1319005787372589,"channel":0,"num_words":1,"start":1619.0801,"end":1619.5801},{"sentences":[{"text":"Not a problem.","start":1620.295,"end":1621.1151,"sentiment":"positive","sentiment_score":0.36292171478271484}],"sentiment":"positive","sentiment_score":0.36292171478271484,"channel":1,"num_words":3,"start":1620.295,"end":1621.1151},{"sentences":[{"text":"All good.","start":1621.755,"end":1622.495,"sentiment":"positive","sentiment_score":0.565778523683548},{"text":"I've also got in there just the information around the will and the power of attorney.","start":1623.435,"end":1627.5951,"sentiment":"neutral","sentiment_score":0.1989302346482873},{"text":"It's really important that we do make sure that you set up a a will and a power of attorney.","start":1627.5951,"end":1631.6151,"sentiment":"neutral","sentiment_score":0.2160626582801342},{"text":"Those are done by solicitors, not by us, but we do refer you to a solicitor for the setting up of those.","start":1632.0751,"end":1639.0901,"sentiment":"neutral","sentiment_score":0.1140357782556252},{"text":"I'm not sure if we have in the past, but we can always email through some information on the local solicitor we use.","start":1639.4701,"end":1644.6901,"sentiment":"neutral","sentiment_score":0.05375308106126993}],"sentiment":"neutral","sentiment_score":0.1491662885948836,"channel":0,"num_words":83,"start":1621.755,"end":1644.6901},{"sentences":[{"text":"Alternatively, because this is discussing very sensitive information around estate planning, if you do have a local solicitor you're comfortable speaking to and organizing that, then I do recommend you speak to them as well.","start":1644.8301,"end":1658.105,"sentiment":"neutral","sentiment_score":0.11506560923797744},{"text":"So I'm just making sure that everything is set up in the event that something was to happen.","start":1658.105,"end":1663.2001,"sentiment":"positive","sentiment_score":0.40781648953755695},{"text":"And even for the future as well, I do know quite a lot of clients who have passed away in their eighties and nineties and still haven't had a will in place, and then going through the probate process can be a lot for someone's family.","start":1663.8201,"end":1676.4,"sentiment":"neutral","sentiment_score":-0.013824095423130886},{"text":"Okay?","start":1676.7001,"end":1677.2001,"sentiment":"neutral","sentiment_score":0.22540238499641416},{"text":"Excellent.","start":1678.995,"end":1679.495,"sentiment":"positive","sentiment_score":0.6376219987869263}],"sentiment":"neutral","sentiment_score":0.11480306068638174,"channel":0,"num_words":101,"start":1644.8301,"end":1679.495},{"sentences":[{"text":"It's just that retaining your insurances as they are.","start":1680.515,"end":1683.155,"sentiment":"positive","sentiment_score":0.4414089322090149},{"text":"We'll review those in the next few months as well.","start":1683.155,"end":1685.895,"sentiment":"neutral","sentiment_score":0.30040740966796875},{"text":"And then just letting you know as well, we've got the ongoing service agreement attached there for you.","start":1686.515,"end":1691.0751,"sentiment":"neutral","sentiment_score":0.22728273852003944},{"text":"So having us look after your social, you do pay us an ongoing service fee.","start":1691.0751,"end":1695.37,"sentiment":"neutral","sentiment_score":0.19239023427168528},{"text":"It is 1.65% per annum.","start":1695.37,"end":1697.71,"sentiment":"neutral","sentiment_score":0.11306586861610413}],"sentiment":"neutral","sentiment_score":0.2547197655627602,"channel":0,"num_words":57,"start":1680.515,"end":1697.71},{"sentences":[{"text":"That is the yearly figure, and it's deducted on a a smaller scale on a monthly basis from your super.","start":1698.09,"end":1704.11,"sentiment":"neutral","sentiment_score":0.1355037670582533},{"text":"I'll make sure that I keep sort of monitoring things with you, and we'll do a bit of a catch up in the next few months there as well.","start":1704.65,"end":1711.5449,"sentiment":"neutral","sentiment_score":0.2087157378936636},{"text":"But I've got the ongoing service agreement attached to the the DocuSign there for you to sign and return back for me.","start":1711.5449,"end":1718.0449,"sentiment":"neutral","sentiment_score":0.3108521428975192},{"text":"And then I've also attached the tax file opt in form.","start":1718.4249,"end":1721.3301,"sentiment":"neutral","sentiment_score":0.19762693413279273},{"text":"So we just like to make sure that you're aware of the information we hold on you because we set you see that any insurance is up.","start":1721.3301,"end":1726.8501,"sentiment":"neutral","sentiment_score":0.08686593740626618}],"sentiment":"neutral","sentiment_score":0.18459500430510678,"channel":0,"num_words":109,"start":1698.09,"end":1726.8501},{"sentences":[{"text":"We hold your tax file number, and we just wanna make sure we get the consent to continue holding that and make sure you're aware of the information that we do hold there for you and the security that we undertake to protect that information.","start":1726.8501,"end":1738.405,"sentiment":"neutral","sentiment_score":0.10697538769907422},{"text":"Okay.","start":1738.9451,"end":1739.4451,"sentiment":"neutral","sentiment_score":0.13349616527557373}],"sentiment":"neutral","sentiment_score":0.1075519263420416,"channel":0,"num_words":46,"start":1726.8501,"end":1739.4451},{"sentences":[{"text":"Yep.","start":1740.16,"end":1740.66,"sentiment":"neutral","sentiment_score":0.16256532073020935}],"sentiment":"neutral","sentiment_score":0.16256532073020935,"channel":1,"num_words":1,"start":1740.16,"end":1740.66},{"sentences":[{"text":"All good.","start":1741.425,"end":1742.165,"sentiment":"neutral","sentiment_score":0.3248656988143921},{"text":"Is there any questions?","start":1742.9451,"end":1743.9851,"sentiment":"neutral","sentiment_score":0.15921183302998543},{"text":"Do you have any questions, concerns, or anything that you kinda wanted to bring up with me, or did you just wanna take some time to read it over?","start":1743.9851,"end":1750.7051,"sentiment":"neutral","sentiment_score":0.08418671542714382},{"text":"Or","start":1750.7051,"end":1751.2051,"sentiment":"neutral","sentiment_score":0.003006627783179283}],"sentiment":"neutral","sentiment_score":0.10363889180330767,"channel":0,"num_words":36,"start":1741.425,"end":1751.2051},{"sentences":[{"text":"No.","start":1751.52,"end":1751.76,"sentiment":"neutral","sentiment_score":-0.02410792000591755},{"text":"We're all good.","start":1751.76,"end":1752.66,"sentiment":"neutral","sentiment_score":0.20353902876377106}],"sentiment":"neutral","sentiment_score":0.1466272915713489,"channel":1,"num_words":4,"start":1751.52,"end":1752.66},{"sentences":[{"text":"we're all good.","start":1753.24,"end":1753.88,"sentiment":"positive","sentiment_score":0.46727188428243},{"text":"Beautiful.","start":1753.88,"end":1754.38,"sentiment":"positive","sentiment_score":0.6416466236114502},{"text":"I was glad I was able to come up with a plan, and my last conversation wasn't the best.","start":1754.4401,"end":1758.52,"sentiment":"neutral","sentiment_score":0.2746674183167909},{"text":"And I do apologize.","start":1758.52,"end":1759.5801,"sentiment":"neutral","sentiment_score":-0.050015995278954506},{"text":"It's not something I wanted to do, but I wanted to sort of, you know, talk to you about where we were going and what we were looking at and come up with the best possible strategy to help you knowing that this is a short term strategy, and we'll definitely look at focusing on things a bit more down the track for you as well.","start":1759.64,"end":1775.965,"sentiment":"neutral","sentiment_score":0.127388225134575}],"sentiment":"neutral","sentiment_score":0.1663408828198269,"channel":0,"num_words":93,"start":1753.24,"end":1775.965},{"sentences":[{"text":"Okay?","start":1776.105,"end":1776.605,"sentiment":"neutral","sentiment_score":0.051722489297389984}],"sentiment":"neutral","sentiment_score":0.051722489297389984,"channel":0,"num_words":1,"start":1776.105,"end":1776.605},{"sentences":[{"text":"Not a problem.","start":1777.61,"end":1778.51,"sentiment":"neutral","sentiment_score":0.14829542736212412}],"sentiment":"neutral","sentiment_score":0.14829542736212412,"channel":1,"num_words":3,"start":1777.61,"end":1778.51},{"sentences":[{"text":"All good.","start":1779.32,"end":1779.98,"sentiment":"neutral","sentiment_score":0.277834877371788},{"text":"Have a read through it.","start":1780.04,"end":1780.76,"sentiment":"neutral","sentiment_score":0.22599440217018127},{"text":"Let me know if there's any questions.","start":1780.76,"end":1782.14,"sentiment":"neutral","sentiment_score":0.15732446100030625},{"text":"We'll just get you to sign and return it back so we can make those changes there for you.","start":1782.28,"end":1786.22,"sentiment":"neutral","sentiment_score":0.22536979301979668},{"text":"With the catch up, would you like me to do a catch up with you in about three months, six months?","start":1787.0,"end":1792.875,"sentiment":"neutral","sentiment_score":0.035044818584408076}],"sentiment":"neutral","sentiment_score":0.14453481944898763,"channel":0,"num_words":54,"start":1779.32,"end":1792.875},{"sentences":[{"text":"What's what's the preference for yourself there, Ross?","start":1792.875,"end":1796.015,"sentiment":"neutral","sentiment_score":0.019418298033997416}],"sentiment":"neutral","sentiment_score":0.019418298033997416,"channel":0,"num_words":8,"start":1792.875,"end":1796.015},{"sentences":[{"text":"Probably do another three months if we could.","start":1797.345,"end":1799.365,"sentiment":"neutral","sentiment_score":0.0028469017706811424}],"sentiment":"neutral","sentiment_score":0.0028469017706811424,"channel":1,"num_words":8,"start":1797.345,"end":1799.365},{"sentences":[{"text":"Yeah.","start":1799.755,"end":1800.0751,"sentiment":"neutral","sentiment_score":0.10213258862495422},{"text":"Absolutely.","start":1800.0751,"end":1800.5751,"sentiment":"neutral","sentiment_score":0.12203845381736755},{"text":"Three months.","start":1800.795,"end":1801.275,"sentiment":"neutral","sentiment_score":0.06639303639531136},{"text":"I'll pop a catch up in the system.","start":1801.275,"end":1803.055,"sentiment":"neutral","sentiment_score":0.13759135827422142},{"text":"My admin team member will give you a call in three months to book in a time and see how things are going.","start":1803.275,"end":1808.175,"sentiment":"neutral","sentiment_score":0.17274398065131644}],"sentiment":"neutral","sentiment_score":0.15516570104019983,"channel":0,"num_words":35,"start":1799.755,"end":1808.175},{"sentences":[{"text":"And if you need anything in the meantime, please don't ever hesitate.","start":1808.77,"end":1811.83,"sentiment":"neutral","sentiment_score":0.14102505395809808},{"text":"Let me know.","start":1811.89,"end":1812.61,"sentiment":"neutral","sentiment_score":0.1441143105427424},{"text":"I will book in time, day or night, to assist you and have a chat.","start":1812.61,"end":1816.53,"sentiment":"neutral","sentiment_score":0.17575352191925048},{"text":"Okay?","start":1816.53,"end":1817.03,"sentiment":"neutral","sentiment_score":0.09745509922504424}],"sentiment":"neutral","sentiment_score":0.15672262926255504,"channel":0,"num_words":31,"start":1808.77,"end":1817.03},{"sentences":[{"text":"Not a problem.","start":1817.855,"end":1818.755,"sentiment":"neutral","sentiment_score":0.17449732621510824}],"sentiment":"neutral","sentiment_score":0.17449732621510824,"channel":1,"num_words":3,"start":1817.855,"end":1818.755},{"sentences":[{"text":"All good.","start":1819.57,"end":1820.13,"sentiment":"positive","sentiment_score":0.3515714704990387},{"text":"Thank you so much for your time today.","start":1820.13,"end":1821.89,"sentiment":"positive","sentiment_score":0.7183897271752357},{"text":"I really appreciate it.","start":1821.89,"end":1822.8251,"sentiment":"positive","sentiment_score":0.6855709701776505},{"text":"And do you have any other plans or anything you got going on today?","start":1822.8251,"end":1825.625,"sentiment":"neutral","sentiment_score":0.180355218904359},{"text":"Are you just gonna rest?","start":1825.625,"end":1826.8451,"sentiment":"neutral","sentiment_score":0.051453670114278795}],"sentiment":"positive","sentiment_score":0.36287230467706016,"channel":0,"num_words":33,"start":1819.57,"end":1826.8451},{"sentences":[{"text":"No.","start":1827.48,"end":1827.8,"sentiment":"neutral","sentiment_score":-0.07346329092979431},{"text":"Not much.","start":1827.8,"end":1828.36,"sentiment":"neutral","sentiment_score":-0.05590253323316574},{"text":"I think it's a Netflix day.","start":1828.36,"end":1829.98,"sentiment":"positive","sentiment_score":0.4844188988208771}],"sentiment":"neutral","sentiment_score":0.3023605595032374,"channel":1,"num_words":9,"start":1827.48,"end":1829.98},{"sentences":[{"text":"Sounds good.","start":1830.665,"end":1831.2251,"sentiment":"positive","sentiment_score":0.6837843060493469},{"text":"What are you watching?","start":1831.2251,"end":1832.1051,"sentiment":"neutral","sentiment_score":0.31366343796253204},{"text":"Anything fun?","start":1832.1051,"end":1833.005,"sentiment":"neutral","sentiment_score":0.2896086126565933}],"sentiment":"positive","sentiment_score":0.4001799486577511,"channel":0,"num_words":8,"start":1830.665,"end":1833.005},{"sentences":[{"text":"No.","start":1833.48,"end":1833.88,"sentiment":"neutral","sentiment_score":0.05246349051594734},{"text":"I just I just finished a series, Peaky Blinders.","start":1833.88,"end":1837.98,"sentiment":"neutral","sentiment_score":0.31917601658238304}],"sentiment":"neutral","sentiment_score":0.2925047639757395,"channel":1,"num_words":10,"start":1833.48,"end":1837.98},{"sentences":[{"text":"I love that.","start":1838.95,"end":1840.07,"sentiment":"positive","sentiment_score":0.769413153330485},{"text":"That's","start":1840.07,"end":1840.39,"sentiment":"positive","sentiment_score":0.6036558151245117}],"sentiment":"positive","sentiment_score":0.7279738187789917,"channel":0,"num_words":4,"start":1838.95,"end":1840.39},{"sentences":[{"text":"Yeah.","start":1840.28,"end":1840.6,"sentiment":"positive","sentiment_score":0.5204880833625793}],"sentiment":"positive","sentiment_score":0.5204880833625793,"channel":1,"num_words":1,"start":1840.28,"end":1840.6},{"sentences":[{"text":"good.","start":1840.39,"end":1840.89,"sentiment":"positive","sentiment_score":0.6943131685256958}],"sentiment":"positive","sentiment_score":0.6943131685256958,"channel":0,"num_words":1,"start":1840.39,"end":1840.89},{"sentences":[{"text":"That was pretty good.","start":1840.6,"end":1841.48,"sentiment":"positive","sentiment_score":0.7672284245491028},{"text":"Yeah.","start":1841.48,"end":1841.98,"sentiment":"positive","sentiment_score":0.5493385791778564}],"sentiment":"positive","sentiment_score":0.7236504554748535,"channel":1,"num_words":5,"start":1840.6,"end":1841.98},{"sentences":[{"text":"Oh, fantastic.","start":1842.95,"end":1843.9299,"sentiment":"positive","sentiment_score":0.7576296329498291},{"text":"Well, hopefully, you have a good aft a good day, a good afternoon, and, yeah, I'll make sure we touch base.","start":1844.3099,"end":1851.015,"sentiment":"positive","sentiment_score":0.5379372423603421},{"text":"Okay?","start":1851.015,"end":1851.495,"sentiment":"neutral","sentiment_score":0.1950943022966385},{"text":"Let me know if there's any questions in relation to any part of the document there for you.","start":1851.495,"end":1855.595,"sentiment":"neutral","sentiment_score":0.22842743454707992},{"text":"Okay.","start":1855.655,"end":1856.155,"sentiment":"neutral","sentiment_score":0.21075013279914856}],"sentiment":"positive","sentiment_score":0.4030111537769783,"channel":0,"num_words":43,"start":1842.95,"end":1856.155},{"sentences":[{"text":"Not a problem.","start":1855.86,"end":1856.66,"sentiment":"positive","sentiment_score":0.4240284860134125},{"text":"Thank you very much.","start":1856.66,"end":1857.8,"sentiment":"positive","sentiment_score":0.832433670759201}],"sentiment":"positive","sentiment_score":0.6574028772967202,"channel":1,"num_words":7,"start":1855.86,"end":1857.8},{"sentences":[{"text":"My pleasure, Ross.","start":1858.215,"end":1859.255,"sentiment":"positive","sentiment_score":0.8023391564687093},{"text":"You have a good hour.","start":1859.255,"end":1860.215,"sentiment":"positive","sentiment_score":0.7195931434631347},{"text":"Talk to you soon.","start":1860.215,"end":1861.195,"sentiment":"positive","sentiment_score":0.4821838065981865}],"sentiment":"positive","sentiment_score":0.6611432010928789,"channel":0,"num_words":12,"start":1858.215,"end":1861.195},{"sentences":[{"text":"No worries.","start":1861.86,"end":1862.58,"sentiment":"neutral","sentiment_score":0.2559300363063812},{"text":"Same with you.","start":1862.58,"end":1863.48,"sentiment":"positive","sentiment_score":0.3972702423731486}],"sentiment":"positive","sentiment_score":0.34073415994644163,"channel":1,"num_words":5,"start":1861.86,"end":1863.48},{"sentences":[{"text":"See you later.","start":1863.8668,"end":1864.7468,"sentiment":"positive","sentiment_score":0.3918587267398834},{"text":"Bye.","start":1864.7468,"end":1865.2468,"sentiment":"neutral","sentiment_score":0.20370933413505551}],"sentiment":"positive","sentiment_score":0.34482137858867645,"channel":0,"num_words":4,"start":1863.8668,"end":1865.2468},{"sentences":[{"text":"Bye.","start":1865.62,"end":1866.12,"sentiment":"neutral","sentiment_score":-0.1120086833834648}],"sentiment":"neutral","sentiment_score":-0.1120086833834648,"channel":1,"num_words":1,"start":1865.62,"end":1866.12}]},"summary":{"result":"success","short":"The speaker from Ocean Financial discusses the customer's updated statement of advice with Ross Higgins, emphasizing the importance of reducing risk levels and increasing the investment portfolio. They also discuss the retirement of certain assets and the need for a rebalancing of the customer's super fund. The speaker recommends making quick rebalancing of the customer's investment portfolio and reducing risk levels to increase returns. They also suggest reducing risk levels and reducing the number of investments in various asset classes to reduce risk levels and increase growth. The strategy is meant to be a short-term approach and will be reviewed in twelve months to see how things are going for the customer. The agent emphasizes setting up a will and power of attorney, and recommends speaking to a local solicitor. The plan is meant to be a short-term approach and will be reviewed in twelve months to see how things are going for the customer."},"intents":{"segments":[{"text":"I have your updated statement of advice to run through with you this morning. Is now still a good Yeah. time?","start_word":26,"end_word":46,"intents":[{"intent":"Update situation","confidence_score":0.060884256}]},{"text":"So I've been trying to find a way to be able to keep the money invested, keep it working harder for you in the best possible portfolio, but also possibly have an intermittent contributions to kind of help offset that a little bit there.","start_word":622,"end_word":665,"intents":[{"intent":"Discuss superannuation strategies","confidence_score":0.001236646}]},{"text":"So with your insurance policies, your life and CBD there, you wanted to keep those for the next twelve months to see what happens after you've had your twelve months review from your surgery.","start_word":759,"end_word":792,"intents":[{"intent":"Review insurance policies","confidence_score":0.5044833}]},{"text":"Out of scope areas are trauma and insure income protection. So you don't have those parts of cover at the moment.","start_word":858,"end_word":878,"intents":[{"intent":"Discuss coverage areas","confidence_score":0.30187225}]},{"text":"On the next page, we've outlined your assets as noted on the last tax line that we were able to complete. I know with your savings, there could be some changes to that. But is there anything major on here that we should update in the back end for you? No.","start_word":1062,"end_word":1112,"intents":[{"intent":"Update assets","confidence_score":0.17177777}]},{"text":"Now with your superannuation at the moment, I did go back and have a look at the investment the way they were working for you, and I am recommending a few additional changes.","start_word":1276,"end_word":1308,"intents":[{"intent":"Recommend changes","confidence_score":0.057729363},{"intent":"Discuss investments","confidence_score":0.004119656}]},{"text":"So, essentially, what we are recommending is just a bit of a rebalance.","start_word":1309,"end_word":1321,"intents":[{"intent":"Rebalance super","confidence_score":0.7780793},{"intent":"Rebalance super","confidence_score":0.021667749}]},{"text":"So one of the important things and why we like to rebalance your super is essentially because when we make a recommendation initially and say, if we had as initially recommended you hold 10% of all these different investments, over the course of time, some investments are gonna increase faster or more than others, which changes the level of risk that you're taking, but it also does tend to change the way the investments work for you and the and the returns.","start_word":1322,"end_word":1403,"intents":[{"intent":"Address risk","confidence_score":0.00092980464}]},{"text":"So I was able to reduce your exposure from those from 98.4% back to 86%.","start_word":1565,"end_word":1579,"intents":[{"intent":"Reduce risk level","confidence_score":0.6364159},{"intent":"Reduce risk level","confidence_score":0.061205752}]},{"text":"So I tried to find a way to reduce the risk level for you, but also making sure that the portfolio had shown past performance so we can try to make sure those returns are keeping up and keeping your super working forward. Does that make sense?","start_word":1680,"end_word":1726,"intents":[{"intent":"Keep super working","confidence_score":0.013605284}]},{"text":"We also wanna make sure that you've got the beta shares a 200 in there. So we're just gonna sell off a little bit of that to bring you back to 20 percent.","start_word":1781,"end_word":1813,"intents":[{"intent":"Sell beta shares","confidence_score":0.41887674}]},{"text":"We're selling off all of that for you, just removing that.","start_word":1868,"end_word":1878,"intents":[{"intent":"Remove risk level","confidence_score":0.030305505}]},{"text":"So I'm trying to diversify, but also make sure it's a cost effective portfolio and try to reduce the cost a bit for you as well. Does that make sense?","start_word":2119,"end_word":2148,"intents":[{"intent":"Diversify portfolios using asset classes","confidence_score":2.7640183e-7}]},{"text":"So adding to the diversification, and it's also increasing those defensive assets a little bit to helping to reduce your risk level in the portfolio. Okay? Yep.","start_word":2252,"end_word":2278,"intents":[{"intent":"Reduce risk level","confidence_score":0.00756616}]},{"text":"With the recommendations, I'm recommending that we do keep NetWell.","start_word":2663,"end_word":2672,"intents":[{"intent":"Recommend keeping netwell","confidence_score":0.15990704}]},{"text":"The bigger the capital gains tax, the less you end up with at the end of the day. So I wanted to try and limit that as much as possible.","start_word":2758,"end_word":2787,"intents":[{"intent":"Limit capital gains tax","confidence_score":0.40340638}]},{"text":"So I also wanted to try and reduce the fees as much as we possibly could. Alright?","start_word":2910,"end_word":2926,"intents":[{"intent":"Reduce fees","confidence_score":0.79968345}]},{"text":"With the contribution, so the other thing we did talk about was that I did wanna try and look at being able to make some sort of contributions to the fund. Essentially, with this, I'm recommending that you do make a contribution to your super fund of about $25 per week.","start_word":2946,"end_word":2996,"intents":[{"intent":"Consider making contributions","confidence_score":0.048617326}]},{"text":"So the best scenario was to be able to contribute a bit of money to your super fund, and doing it as a $100 on a monthly basis or something as simple $25 per week if we break it down that way. It means that you're transferring money in on a regular basis, which can help to offset some of the insurance premiums, but that money is also invested. So it is also helping to create growth from your super fund there. Okay?","start_word":3127,"end_word":3209,"intents":[{"intent":"Promote contributions","confidence_score":0.018851044}]},{"text":"And the $1,200 that you've put into super, you can then let your accountant know at the end of the year that you've made the contribution and that you'll be able to claim that back on your tax return as well. So Yep.","start_word":3447,"end_word":3489,"intents":[{"intent":"Create note","confidence_score":0.000084822386}]},{"text":"you're putting money into Safa, but it's also giving you a tax deduction at the end of the year. Does that make Yep. sense?","start_word":3490,"end_word":3513,"intents":[{"intent":"Offer tax deduction","confidence_score":0.019880522}]},{"text":"you're putting money into Safa, but it's also giving you a tax deduction at the end of the year. Does that make Yep. sense? Yeah.","start_word":3490,"end_word":3514,"intents":[{"intent":"Confirm contribution","confidence_score":0.034080517}]},{"text":"you're putting money into Safa, but it's also giving you a tax deduction at the end of the year. Does that make Yep. sense? Yeah. Just an Yeah. Yeah. Yeah. Correct. So it's about offset. just sort of finding ways to give you a little bit of a benefit, but also making sure that we can help you super as well.","start_word":3490,"end_word":3550,"intents":[{"intent":"Consolidate investment","confidence_score":0.005886217}]},{"text":"So it's about offset. just sort of finding ways to give you a little bit of a benefit, but also making sure that we can help you super as well.","start_word":3521,"end_word":3550,"intents":[{"intent":"Help super","confidence_score":0.10874204}]},{"text":"Underneath that, the investor profile, you'll see this is essentially the growth portfolio, so it is reducing your risk level a little bit.","start_word":3569,"end_word":3591,"intents":[{"intent":"Provide growth portfolio","confidence_score":0.00015640241}]},{"text":"Underneath that, the investor profile, you'll see this is essentially the growth portfolio, so it is reducing your risk level a little bit. You will see there that the five year rolling average, because we are reducing the risk level a little bit, it does obviously affect the returns, and the returns have been reduced just slightly.","start_word":3569,"end_word":3625,"intents":[{"intent":"Reduce risk","confidence_score":0.580928},{"intent":"Reduce risk","confidence_score":0.33919755}]},{"text":"So so long as we can get a good return as depending on what the markets do over the next twelve months with the contributions going in there as well. You can sort of see it does keep you in a good position.","start_word":3720,"end_word":3762,"intents":[{"intent":"Keep super working","confidence_score":0.10063115}]},{"text":"What I do wanna do and I've also made a little disclaimer in the bottom here. This strategy is meant to be a short term approach. What I kind of wanna Yes. do is make sure that I keep catching up with you throughout the year. And in twelve months, when we know what's happening with your work or your workers' compensation and what's happening with your health, let's readjust and reevaluate this.","start_word":3953,"end_word":4025,"intents":[{"intent":"Evaluate strategy","confidence_score":0.028667133}]},{"text":"The next couple of pages do also go through a bit more around that deductible contribution. It is really important that you go through. Have a bit of a read of those. I've got an outline for you the advantages, the disadvantages, and the risks involved with this having using a deductible contribution, it does mean the funds are coming out of your bank account.","start_word":4457,"end_word":4521,"intents":[{"intent":"Provide information about deductible contribution","confidence_score":0.004474167}]},{"text":"So it's either really important that you're able to make that contribution manually or that you set up a regular direct debit or BPAY, and we can give you the information so it can be set up.","start_word":4523,"end_word":4559,"intents":[{"intent":"Make a contribution","confidence_score":0.19272004},{"intent":"Provide information","confidence_score":0.28196627}]},{"text":"The downside is the funds do go into super. So it does mean that they are locked away in super, and you're not able to access them until you meet a condition of release. But we've tried to make it as minimal as possible and within your comfort level to make sure that it's working for you. Okay?","start_word":4595,"end_word":4652,"intents":[{"intent":"Ensure compliance with requirements","confidence_score":0.0016973332}]},{"text":"With the notice of intent, once we see the contributions going in, myself and my team will make sure we contact you every July to make sure that you're able to, you know, see if you're still comfortable making that claiming the notice of intent, and we'll help you to do that.","start_word":4656,"end_word":4707,"intents":[{"intent":"Provide notice of intent","confidence_score":0.016087467}]},{"text":"The reason I recommended we do the notice of intent is that because you are still, you know, you're still receiving taxable income, essentially, still gonna do a tax return. This gives you a little bit more of a tax deduction. So that might give you a little bit of a bonus or a refund at the end of the financial year, which would be a benefit for you. Okay?","start_word":4816,"end_word":4885,"intents":[{"intent":"Inform about tax deduction","confidence_score":0.000005204887}]},{"text":"Do you have any questions? You're welcome to ask me anything you like.","start_word":4888,"end_word":4900,"intents":[{"intent":"Answer questions","confidence_score":0.02418874}]},{"text":"Do you have any questions? You're welcome to ask me anything you like. No. I'm still good. It's all good.","start_word":4888,"end_word":4907,"intents":[{"intent":"Offer assistance and support","confidence_score":0.00014222063},{"intent":"Offer assistance","confidence_score":0.16777897}]},{"text":"I've also got in there just the information around the will and the power of attorney. It's really important that we do make sure that you set up a a will and a power of attorney.","start_word":4955,"end_word":4990,"intents":[{"intent":"Set up and review wills","confidence_score":0.0017581172}]},{"text":"I'll make sure that I keep sort of monitoring things with you, and we'll do a bit of a catch up in the next few months there as well. But I've got the ongoing service agreement attached to the the DocuSign there for you to sign and return back for me. And then I've also attached the tax file opt in form.","start_word":5214,"end_word":5275,"intents":[{"intent":"Monitor and return taxes","confidence_score":0.0004934851}]},{"text":"So we just like to make sure that you're aware of the information we hold on you because we set you see that any insurance is up. We hold your tax file number, and we just wanna make sure we get the consent to continue holding that and make sure you're aware of the information that we do hold there for you and the security that we undertake to protect that information. Okay. Yep.","start_word":5277,"end_word":5350,"intents":[{"intent":"Provide information","confidence_score":0.03697054}]},{"text":"We hold your tax file number, and we just wanna make sure we get the consent to continue holding that and make sure you're aware of the information that we do hold there for you and the security that we undertake to protect that information. Okay. Yep.","start_word":5303,"end_word":5349,"intents":[{"intent":"Confirm understanding and consent","confidence_score":0.00004770586}]},{"text":"I was glad I was able to come up with a plan, and my last conversation wasn't the best. And I do apologize.","start_word":5394,"end_word":5416,"intents":[{"intent":"Assist with plan","confidence_score":0.0024726072},{"intent":"Apologize for not taking time","confidence_score":0.000007125373}]},{"text":"And do you have any other plans or anything you got going on today? Are you just gonna rest?","start_word":5640,"end_word":5658,"intents":[{"intent":"Discuss future plans","confidence_score":0.0036185526}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Ross. This is Dana from Ocean Financial. How are you this morning? Yeah. Not too bad. Yourself?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.18521800637245175},{"text":"I'm very well. Thank you. Very well. I have your updated statement of advice to run through with you this morning.","start_word":19,"end_word":39,"sentiment":"positive","sentiment_score":0.5127341151237488},{"text":"Is now still a good Yeah. time?","start_word":40,"end_word":46,"sentiment":"neutral","sentiment_score":0.2672109603881836},{"text":"Fantastic.","start_word":47,"end_word":47,"sentiment":"positive","sentiment_score":0.5328456163406372},{"text":"Are you able to jump into your emails there at all at the moment? Or Yep. yeah. All good. I'm just gonna email this document through to you. Yep. Sorry. Yep. Sorry. My throat's a little bit sore this morning, so I do apologize if I stopped briefly or if my voice starts to go. So just let me know if you need me to repeat anything. Sorry about that. Russ, before we jump into the call properly, just to let you know, we do record these calls for quality and training purposes. Moving forward, are you comfortable with me doing that? Yep. Not a problem.","start_word":48,"end_word":153,"sentiment":"neutral","sentiment_score":-0.011516270227730274},{"text":"Fantastic.","start_word":154,"end_word":154,"sentiment":"positive","sentiment_score":0.5854262709617615},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file there for you. Ross Higgins. 7th Of The 5th 80. 7 Bligh Court, Yep. Sinclair.","start_word":155,"end_word":199,"sentiment":"neutral","sentiment_score":0.14655612409114838},{"text":"Beautiful. Thank you so much for that.","start_word":200,"end_word":206,"sentiment":"positive","sentiment_score":0.5271624326705933},{"text":"Now just when that email does come through to you then, I'll send it to your y seven mail address. Yep. If you can just open that one up and let me know when you're looking at that statement of advice there. Yep. Looking at it.","start_word":207,"end_word":252,"sentiment":"neutral","sentiment_score":0.13308903574943542},{"text":"Fantastic.","start_word":253,"end_word":253,"sentiment":"positive","sentiment_score":0.4157955050468445},{"text":"Now the first page there does note the statement of advice has been prepared by your for yourself, sorry, by my lovely team here at OZ Financial. The date on the document is the 05/12/2026. It's when we finally completed the document there for you, and our documents are valid for sixty days from the date on the front there. However, if anything changes and you take a bit more time to decide whether you're taking on the advice, you just let me know. We can always just update your circumstances. Okay? Yeah. On the bottom of the front page here, it notes my license number for you. So I am a full license adviser. My representative number through OC Financial is 1304394. And as we go through the document, you'll note I've got the best interest duty.","start_word":254,"end_word":391,"sentiment":"neutral","sentiment_score":0.0829550673564275},{"text":"So it's really important that any advice we do provide is there to help you meet your goals.","start_word":392,"end_word":409,"sentiment":"positive","sentiment_score":0.3884702622890472},{"text":"We're looking after your super, and this is, you know, everything you've worked very hard for up until point and will continue to work hard for moving forward.","start_word":410,"end_word":437,"sentiment":"neutral","sentiment_score":0.2083544880151749},{"text":"So it is really important that we now understand what your goals are, that the advice is related back to your goals, and that it is being provided in best interest to help you keep your super work as hard as possible for as long as possible.","start_word":438,"end_word":484,"sentiment":"positive","sentiment_score":0.3479311168193817},{"text":"Yep. Okay? So we've limited the scope on this advice document. If you keep scrolling down a few pages there, you'll see we're scoping in our superannuation. So, realistically, you're not working at the moment still on workers' compensation. So we are looking to your goal at the moment is to keep working as long as possible once you're able to return to work, if you're able to return to work, and we wanna keep you super working a bit harder. We did sort of talk about reducing the risk level, and I did do a lot of research as per our last conversation around what that might look like, noting that because your insurance premiums are quite high, a lot of the research I was able to do does show your super does deplete over time. So I've been trying to find a way to be able to keep the money invested, keep it working harder for you in the best possible portfolio, but also possibly have an intermittent contributions to kind of help offset that a little bit there. So I'll take you through what I've done at the bottom here. But I have factored in the superannuation side of things. We are also factoring in the estate planning. Your beneficiaries were a confirmed sign on your super. However, we're just making a note in here that we do recommend you speak to our solicitor and make sure your will and power of attorneys are established and or updated on a regular basis there as well. Okay? Yep. We have next page down on page number six is the limited scope. So with your insurance policies, your life and CBD there, you wanted to keep those for the next twelve months to see what happens after you've had your twelve months review from your surgery. We will wanna look at reviewing this down the track there.","start_word":485,"end_word":802,"sentiment":"neutral","sentiment_score":0.038113489566933154},{"text":"These insurance policies are just gonna keep getting more and more expensive, and I do not want them to deplete your super back to nothing.","start_word":803,"end_word":827,"sentiment":"negative","sentiment_score":-0.4294618368148804},{"text":"So I'll make sure moving forward that we do get to catch up and review the insurances and look at what we can do down the track here. Okay? Yeah. Out of scope areas are trauma and insure income protection. So you don't have those parts of cover at the moment. Because you are not working, we're not gonna be able to get income protection until you're able to go back to work, and trauma again. Whilst we can probably get some trauma, because you are receiving that workers' compensation, it's probably not best to be increasing your expenditure out of pocket, and they can be paying more for insurances. So we're scoping those out for now, but we can always talk about those down the track when you're able to or wanting to discuss those in further details. Okay? Yep. Perfect. To make this a bit easier, I've got the about you section on page number nine. So if you can just run your eyes over that for me, is there any major changes to any of those details? No. You know, state of birth and things may not have been updated, but is there any major changes to any of the other information that I could update for you at all? No. That's about right. Yep. Beautiful. And you're getting 1,200 per week from workers' compensation, aren't you? Yeah. Yep. Yep. Perfect. On the next page, we've outlined your assets as noted on the last tax line that we were able to complete. I know with your savings, there could be some changes to that. But is there anything major on here that we should update in the back end for you? No. That's okay? Beautiful. The next page outlines your current superannuation balance as of the date of the document there and your insurance policy that you have at the moment with your license TBD. To make things a little bit easier, I'm gonna skip through a couple of pages.","start_word":828,"end_word":1160,"sentiment":"neutral","sentiment_score":-0.034017365862120376},{"text":"I'll let you go back and have a really good read of the document thereafter as well so you can run your eyes over it and take it all in.","start_word":1161,"end_word":1190,"sentiment":"positive","sentiment_score":0.3658151626586914},{"text":"But if I can just get you to scroll down to page number 20 for me, we'll sort of start here.","start_word":1191,"end_word":1211,"sentiment":"neutral","sentiment_score":0.12587611377239227},{"text":"I'll take you through the recommendations and show you the bulk of what I'm I'm recommending we do there for you.","start_word":1212,"end_word":1232,"sentiment":"positive","sentiment_score":0.36728745698928833},{"text":"Okay?","start_word":1233,"end_word":1233,"sentiment":"neutral","sentiment_score":0.19627568125724792},{"text":"Yep. Perfect. Now as I'm going through this, Ross, if you do find you wanna ask any questions, just tell me to stop and let me know, and you're welcome to ask anything you like.","start_word":1234,"end_word":1268,"sentiment":"positive","sentiment_score":0.3571794331073761},{"text":"Okay? Yep.","start_word":1269,"end_word":1270,"sentiment":"neutral","sentiment_score":0.18070565164089203},{"text":"Not a problem. All good.","start_word":1271,"end_word":1275,"sentiment":"positive","sentiment_score":0.48549216985702515},{"text":"Now with your superannuation at the moment, I did go back and have a look at the investment the way they were working for you, and I am recommending a few additional changes. So, essentially, what we are recommending is just a bit of a rebalance. So one of the important things and why we like to rebalance your super is essentially because when we make a recommendation initially and say, if we had as initially recommended you hold 10% of all these different investments, over the course of time, some investments are gonna increase faster or more than others, which changes the level of risk that you're taking, but it also does tend to change the way the investments work for you and the and the returns. So what I'm recommending we do is just make quick rebalance of your super. Just because some of your investments have done a little bit better than others, you're overexposed in certain areas, which means you are taking a bit more risk in certain areas there as well. I'm also rebalancing this because I'm able to I found a way to reduce your risk level a little bit. So when we kinda spoke last time, you were in that high growth environment. So, essentially, within your portfolio at the moment, you're taking you've got about 98.4% in growth investment. So you are taking a lot of risk in the market having more of those higher risk investments like Australian equities, international equities, property, and alternatives like gold as well. Those are the investments that take on a bit more risk, and they do fluctuate or go up and down a lot more drastically.","start_word":1276,"end_word":1556,"sentiment":"neutral","sentiment_score":0.031221121257946585},{"text":"They're the ones that make us quite nervous.","start_word":1557,"end_word":1564,"sentiment":"negative","sentiment_score":-0.3794892728328705},{"text":"So I was able to reduce your exposure from those from 98.4% back to 86%. I know last time you and I spoken, it was hard to sort of I'm trying to find a portfolio that would reduce your risk level a little bit, but I would also provide returns to sort of look after your super balance. We weren't able to reduce it down to the balance growth environment that you originally wanted to because if I had had done that by reducing those risk level as much, you reduce the returns very heavily.","start_word":1565,"end_word":1659,"sentiment":"neutral","sentiment_score":-0.06493161618709564},{"text":"And it was just seeing your super get eaten away in the next one, two to three to four years.","start_word":1660,"end_word":1679,"sentiment":"negative","sentiment_score":-0.4798620641231537},{"text":"So I tried to find a way to reduce the risk level for you, but also making sure that the portfolio had shown past performance so we can try to make sure those returns are keeping up and keeping your super working forward. Does that make sense? Yep. Yeah. So this portfolio here, we are able to reduce it down. It's about a 10% drop essentially in the risk level that you are taking there. We're able to just buy into a bit of physical gold there a bit. We wanna make sure that you've got about 10% in physical gold. We also wanna make sure that you've got the beta shares a 200 in there. So we're just gonna sell off a little bit of that to bring you back to 20 percent. We've also got some beta shares cybersecurity. We're gonna sell off a bit of that and bring you back to 5%. We've also got the European shares. We wanna buy in a little bit more of those, bring you up to 8%. The iShares Misky is a bit more of a European exposure there. We're selling off all of that for you, just removing that. A bit of Japan exposure there, we're gonna sell off, make sure you've only got about 5% of that. The S and P 500, The US exposure, you are a bit overexposed in there at the moment, so we're just gonna pull that back to about seven point, sorry, to about 30% and sell a bit over $700 of that. With the Vanguard All World US, we're gonna buy in. Don't have any of it at the moment, so we're gonna buy into that for you.","start_word":1680,"end_word":1964,"sentiment":"neutral","sentiment_score":0.08917177309069717},{"text":"It's part of giving you diversified global in exposure.","start_word":1965,"end_word":1973,"sentiment":"positive","sentiment_score":0.41681620478630066},{"text":"So one of the big ways that we can look to reduce risk is by diversifying and making sure you're invested in lots of different asset classes, like growth and defensive investment shares and and gold and silver as well as bonds and fixed interest, but also making sure we look at not just Australia and The US and the European markets, but the entire world that takes advantage of Australian markets, Italian markets, you know, all of the European areas plus the Asian countries, and making sure that we're in not only the markets that are already well established, but also up and coming markets as well. And the Vanguard All World ex US, so this this doesn't include The US because you've got the S and P 500 exposure there, helps to give you diversification across the entire globe minus The US there. So I'm trying to diversify, but also make sure it's a cost effective portfolio and try to reduce the cost a bit for you as well. Does that make sense? Yes.","start_word":1974,"end_word":2149,"sentiment":"neutral","sentiment_score":0.25396159291267395},{"text":"Definitely. Yeah. Perfect.","start_word":2150,"end_word":2152,"sentiment":"positive","sentiment_score":0.4402942955493927},{"text":"And then we've got the iShares core composite fund there. So you don't have any at the moment, and we're just gonna invest about 8% and sorry. 8,700 and have about 14% in there as well. And that's essentially more of those diversified defensive investments.","start_word":2153,"end_word":2197,"sentiment":"neutral","sentiment_score":0.22314903140068057},{"text":"So this is seen as more of a low risk investment, core composite bonds.","start_word":2198,"end_word":2211,"sentiment":"positive","sentiment_score":0.3688463270664215},{"text":"It utilizes government as well as corporate bonds. It also looks at bank notes and other fixed interests across the globe as well. So it's not just here in Australia.","start_word":2212,"end_word":2241,"sentiment":"neutral","sentiment_score":0.29069578647613525},{"text":"This investment is investing globally as well for you. So adding to the diversification, and it's also increasing those defensive assets a little bit to helping to reduce your risk level in the portfolio.","start_word":2242,"end_word":2275,"sentiment":"positive","sentiment_score":0.5186349162284065},{"text":"Okay? Yep. Yeah. The next page is outlined that we are gonna keep a little bit of cash. So within your portfolio, we need to keep a bit over 1% of cash in there. So we're just going to essentially buy in about $221.33 from your cash account into those investments. So you'll only have about $700 in cash. Essentially, with your super fund, keeping money in cash doesn't really earn much of an interest rate. It does tend to cost more money to have money sitting in cash.","start_word":2276,"end_word":2364,"sentiment":"neutral","sentiment_score":0.15091606974601746},{"text":"So we essentially just wanna keep a minimum cash target in your super cash account and have the rest of the money invested across this portfolio for you.","start_word":2365,"end_word":2392,"sentiment":"positive","sentiment_score":0.33804917335510254},{"text":"Okay? Yep. Yeah. So, essentially, on the next page there, you'll see it's got a little bit of a a pie chart there. And if you just look at the third column across, it's got the proposed. It's essentially reducing your risk level by reducing your growth assets from 98.","start_word":2393,"end_word":2442,"sentiment":"neutral","sentiment_score":0.2029094099998474},{"text":"4 down to 86%, and then we're increasing those defensive assets from 1.6 to about 14% there for you. So it's looking to reduce that risk level a little bit, but also make sure that we're rebalancing your portfolio, and also bringing up some of those defensive assets for you just for the time being.","start_word":2442,"end_word":2496,"sentiment":"positive","sentiment_score":0.3738085925579071},{"text":"Okay? Yep.","start_word":2497,"end_word":2498,"sentiment":"neutral","sentiment_score":0.18545463681221008},{"text":"All good.","start_word":2499,"end_word":2500,"sentiment":"positive","sentiment_score":0.3810461461544037},{"text":"If you look at the next page, this is page number 23. You've got the fee comparison table there. It's important I kinda take you through the advantages here that we are able to reduce your risk level, but there are obviously disadvantages and risks involved in doing so. So at the with the fee comparison table there, you've got your current column, and that essentially shows your current balance there with all the administration fees, investment fees, any other fees applicable to the account, the ongoing service fee there as well. You're not currently making any contributions, and you do have your insurance premiums noted. At the moment, you are in that high growth environment there. And with the five g rolling average, this portfolio has averaged about 11.63%. Obviously, with the depending on market conditions, you don't get that every year, but this is sort of showing you what this has averaged over the last five years there. Okay? Yep. With the recommendations, I'm recommending that we do keep NetWell. I didn't wanna kinda move to any other any other platforms. I did look at cheaper and other platforms. The biggest thing with moving the platforms is that we do have to sell that over your investment. So it does mean there's a larger capital gains consequence for your super. Your super fund, just like you and I do every year, does a tax return for your fund. So they do pay income tax, capital gains tax every year. So we wanted to limit that. The bigger the capital gains tax, the less you end up with at the end of the day. So I wanted to try and limit that as much as possible.","start_word":2501,"end_word":2787,"sentiment":"neutral","sentiment_score":0.09958411916726972},{"text":"So with the recommended change of reducing that risk and altering your portfolio slightly, the CGT expectation for this is about a $116, so I was able to minimize that as much as possible.","start_word":2788,"end_word":2821,"sentiment":"positive","sentiment_score":0.3987070620059967},{"text":"Okay? Yep. You'll see the administration fees don't change because we're not changing it from Netwealth at all. But with the newer portfolio, it is making a slight change in the investment fees. It's actually gonna be about $6 less. It's only a small amount less than what you're currently paying in in investment fees. But, look, $6 when you consider that compounded over the next seventeen years towards the age of 60, that essentially does compound quite high and can make a significant difference there for you. So I also wanted to try and reduce the fees as much as we possibly could. Alright? Yep. The ongoing service fee still comes out. It's only very minimal for this. Your balance is much smaller. With the contribution, so the other thing we did talk about was that I did wanna try and look at being able to make some sort of contributions to the fund. Essentially, with this, I'm recommending that you do make a contribution to your super fund of about $25 per week. So it's essentially $1,200 per year or a $100 per month, which is something that you may mentioned you were fairly comfortable trying to do.","start_word":2822,"end_word":3021,"sentiment":"neutral","sentiment_score":0.18714566342532635},{"text":"Yep. The really important thing is because, like, I'm trying to reduce the risk and make your super fund work.","start_word":3022,"end_word":3041,"sentiment":"positive","sentiment_score":0.48027899861335754},{"text":"With your insurance premiums being so high, I looked at so many different options. I looked at not not changing your portfolio and keeping it high risk. We also looked at not making contributions versus making contributions. They even tried looking at whether I roll you out to an industry fund which could be cheaper as well.","start_word":3042,"end_word":3098,"sentiment":"neutral","sentiment_score":-0.011340565979480743},{"text":"But all of those scenarios essentially made it that you were gonna be worse off in time and also taking on a very high level of risk there.","start_word":3099,"end_word":3126,"sentiment":"negative","sentiment_score":-0.49785315990448},{"text":"So the best scenario was to be able to contribute a bit of money to your super fund, and doing it as a $100 on a monthly basis or something as simple $25 per week if we break it down that way. It means that you're transferring money in on a regular basis, which can help to offset some of the insurance premiums, but that money is also invested. So it is also helping to create growth from your super fund there.","start_word":3127,"end_word":3208,"sentiment":"positive","sentiment_score":0.5222794413566589},{"text":"Okay? Yes. Essentially, you'll see the figure there as 1,020. This is taking into account the tax side of things. So I'm recommending there are different ways to make contributions, but I'm recommending that you do make these as a deductible contribution.","start_word":3209,"end_word":3250,"sentiment":"neutral","sentiment_score":0.22370974719524384},{"text":"So it means that we can get you to transfer the money.","start_word":3251,"end_word":3262,"sentiment":"positive","sentiment_score":0.39287206530570984},{"text":"We you can set it up as a regular b pay amount. We can send you the information, or you can do it manually every month or every week depending on your how comfortable you are. Or we can do it as a one off transaction at the end of the final two year.","start_word":3263,"end_word":3316,"sentiment":"neutral","sentiment_score":0.2838979959487915},{"text":"That's completely fine too. We'll work with what your comfort level is there.","start_word":3317,"end_word":3329,"sentiment":"positive","sentiment_score":0.5204170942306519},{"text":"Yep. So with the contributions, they'll go in from your bank account. They go into your fund as an after tax contribution. At the end of the year, at the end of the financial year in about July, we'll do what's called a notice of intent for you. So because you're on workers' compensation, it's still technically taxable income. So what we can do is with this these funds in your super, we can claim a notice of intent that essentially tells your super fund that you're planning to claim a tax deduction for the funds that you've put into the, into the super fund. They will then change the contribution and claim that notice of intent.","start_word":3330,"end_word":3446,"sentiment":"neutral","sentiment_score":0.17599287514503187},{"text":"And the $1,200 that you've put into super, you can then let your accountant know at the end of the year that you've made the contribution and that you'll be able to claim that back on your tax return as well. So Yep. you're putting money into Safa, but it's also giving you a tax deduction at the end of the year.","start_word":3447,"end_word":3508,"sentiment":"positive","sentiment_score":0.4502719640731811},{"text":"Does that make Yep. sense? Yeah. Just an Yeah. Yeah. Yeah.","start_word":3509,"end_word":3519,"sentiment":"neutral","sentiment_score":0.22918160259723663},{"text":"Correct. So it's about offset. just sort of finding ways to give you a little bit of a benefit, but also making sure that we can help you super as well.","start_word":3520,"end_word":3550,"sentiment":"positive","sentiment_score":0.5608522295951843},{"text":"Because the last thing I want is for your super to be depleted.","start_word":3551,"end_word":3563,"sentiment":"negative","sentiment_score":-0.34289315342903137},{"text":"Okay? Not a problem.","start_word":3564,"end_word":3567,"sentiment":"neutral","sentiment_score":0.22120341658592224},{"text":"Easy.","start_word":3568,"end_word":3568,"sentiment":"positive","sentiment_score":0.337007611989975},{"text":"Underneath that, the investor profile, you'll see this is essentially the growth portfolio, so it is reducing your risk level a little bit. You will see there that the five year rolling average, because we are reducing the risk level a little bit, it does obviously affect the returns, and the returns have been reduced just slightly. So it's about 0.6% over the last five years in the difference in the return.","start_word":3569,"end_word":3640,"sentiment":"neutral","sentiment_score":0.12097253650426865},{"text":"It goes from 11.63 to 11.03. By doing all of this, you can sort of see over the next twelve months, and this is kind of where I'm focused at the moment, by reducing your risk and still getting a good return, by keeping your insurance premiums, but also being able to contribute and saving on some of those fees, we've been able to try to, with with the projected outcome, keep your super working a little bit harder. So so long as we can get a good return as depending on what the markets do over the next twelve months with the contributions going in there as well. You can sort of see it does keep you in a good position.","start_word":3641,"end_word":3762,"sentiment":"positive","sentiment_score":0.5329498648643494},{"text":"Your balance does deplete slightly from where it is now, but we're still keeping it going. So it's not depleting as much as what it what it could with out those additional contributions in there. Does that make sense? Yeah. Yeah. Yeah. Yeah. So just trying to limit how much it's depleting and try to keep it working harder. So we want the markets to perform well to give you enough growth to cover the insurance premiums and utilize some contributions to try and offset that as well so that we can keep you So, super essentially, working I'm harder.","start_word":3763,"end_word":3862,"sentiment":"neutral","sentiment_score":-0.07169774174690247},{"text":"I'm losing roughly, what, 1,200 a year.","start_word":3863,"end_word":3869,"sentiment":"negative","sentiment_score":-0.5339758396148682},{"text":"At the moment, yeah. Yeah. If it continues going, I mean, with this, you can see in five years, you're still expected to have about 59,000 in there, which is good. With some of the other projections I've looked at, it showed in the next five years, you could essentially only end up with about 40 odd thousand in there. So this has sort of been the best way to keep it working harder. It is still depleting, but not depleting as much. What I do wanna do and I've also made a little disclaimer in the bottom here. This strategy is meant to be a short term approach. What I kind of wanna Yes. do is make sure that I keep catching up with you throughout the year. And in twelve months, when we know what's happening with your work or your workers' compensation and what's happening with your health, let's readjust and reevaluate this. Yeah. Definitely. This was yeah. I just wanted to sort of see where we could go and what we could do for one year to sort of help you along, keep your super as high as we possibly can, and then we reevaluate it in twelve months because we're gonna need to alter and adjust this strategy a bit more regularly to make sure that you don't lose it. Okay? Yep.","start_word":3870,"end_word":4096,"sentiment":"neutral","sentiment_score":0.05023264139890671},{"text":"All good.","start_word":4097,"end_word":4098,"sentiment":"positive","sentiment_score":0.35216522216796875},{"text":"If you at the bottom of the next side, halfway down the next page, you'll see another little table there. It's got your current and recommended as per the above, but it also has an extra column showing no insurances.","start_word":4099,"end_word":4138,"sentiment":"neutral","sentiment_score":0.11136563867330553},{"text":"This is not something we would wanna do right now because there is a risk that you might need to claim on your TPD cover.","start_word":4139,"end_word":4163,"sentiment":"negative","sentiment_score":-0.4049667716026306},{"text":"But if you were not paying any insurances out of your super at all, over the next five years, you can see the difference. So insurance premiums are having quite an effect on your super. And you could see if you weren't paying any insurances and were able to still get the growth that we have above, you could've you could end up with about 88,190 in five years. So we just sort of put this table in here to show you the effective insurance premiums on your super because insurance premiums do have an effect long term, Yeah. and they do get more and more expensive as you get older as well. So, we'll just keep reviewing those and keep looking at things, and I do wanna update this plan definitely in twelve months, if not before, to see how things are going for you. Does that make sense? Yeah. Definitely. Yeah. Do you have any questions? No. It's all going pretty good at No? the moment. Yep.","start_word":4164,"end_word":4332,"sentiment":"neutral","sentiment_score":0.06990797072649002},{"text":"Beautiful. Beautiful.","start_word":4333,"end_word":4334,"sentiment":"positive","sentiment_score":0.42031657695770264},{"text":"I wanted to sort of show you this.","start_word":4335,"end_word":4342,"sentiment":"neutral","sentiment_score":0.09438908100128174},{"text":"I didn't wanna give you a plan that was just gonna eat away all your sleepers.","start_word":4343,"end_word":4358,"sentiment":"negative","sentiment_score":-0.4233701229095459},{"text":"So we've done the best we can to try and make sure it continues working. I even looked at moving back to industry funds and whatever else we can do there, but it just it still was being eaten away.","start_word":4359,"end_word":4398,"sentiment":"neutral","sentiment_score":-0.21038776636123657},{"text":"It was putting you in a worse position.","start_word":4399,"end_word":4406,"sentiment":"negative","sentiment_score":-0.5643701553344727},{"text":"So at least this way, we can still look after it, still keep watching it. We can catch up every couple of months and see how you're going, and then we can update the advice and look at what we do next for you as well. Okay? Yep. All good. The next couple of pages do also go through a bit more around that deductible contribution. It is really important that you go through. Have a bit of a read of those. I've got an outline for you the advantages, the disadvantages, and the risks involved with this having using a deductible contribution, it does mean the funds are coming out of your bank account. So it's either really important that you're able to make that contribution manually or that you set up a regular direct debit or BPAY, and we can give you the information so it can be set up. So every week or once a month or however often you would like it to happen, it does come out and continue to go into super.","start_word":4407,"end_word":4584,"sentiment":"neutral","sentiment_score":0.13501906426351393},{"text":"That way, you do get the benefits of doing so.","start_word":4585,"end_word":4594,"sentiment":"positive","sentiment_score":0.5608593821525574},{"text":"The downside is the funds do go into super. So it does mean that they are locked away in super, and you're not able to access them until you meet a condition of release. But we've tried to make it as minimal as possible and within your comfort level to make sure that it's working for you. Okay? Yep. Okay.","start_word":4595,"end_word":4654,"sentiment":"neutral","sentiment_score":-0.04850805923342705},{"text":"Excellent.","start_word":4655,"end_word":4655,"sentiment":"positive","sentiment_score":0.753686785697937},{"text":"With the notice of intent, once we see the contributions going in, myself and my team will make sure we contact you every July to make sure that you're able to, you know, see if you're still comfortable making that claiming the notice of intent, and we'll help you to do that. Essentially, you just sign the form. We submit it to Netwealth. They'll organize it, and then we'll provide you with the confirmation to hand to your accountant, and that will all work for you. In the appendices that I do have attached there as well, if you decide not to claim the notice of intent, you don't then get the the deduction on your income tax. But it does mean that you do leave that full $12,000 inside super, which means more money is invested.","start_word":4656,"end_word":4792,"sentiment":"neutral","sentiment_score":0.24754740297794345},{"text":"And that can, over the next sort of one to five years, place you in a better position than what has been recommended.","start_word":4793,"end_word":4815,"sentiment":"positive","sentiment_score":0.4020315706729889},{"text":"The reason I recommended we do the notice of intent is that because you are still, you know, you're still receiving taxable income, essentially, still gonna do a tax return.","start_word":4816,"end_word":4845,"sentiment":"neutral","sentiment_score":0.2703533470630646},{"text":"This gives you a little bit more of a tax deduction. So that might give you a little bit of a bonus or a refund at the end of the financial year, which would be a benefit for you.","start_word":4846,"end_word":4884,"sentiment":"positive","sentiment_score":0.48768043518066406},{"text":"Okay? Yep. Yeah. Do you have any questions? You're welcome to ask me anything you like. No. I'm still good.","start_word":4885,"end_word":4904,"sentiment":"neutral","sentiment_score":0.21832506358623505},{"text":"It's all good.","start_word":4905,"end_word":4907,"sentiment":"positive","sentiment_score":0.6380258798599243},{"text":"Attached to your email, you will see the appendices. I've outlined a lot of the alternatives.","start_word":4908,"end_word":4923,"sentiment":"neutral","sentiment_score":0.10584668815135956},{"text":"I've considered so you're welcome to run your eyes over that.","start_word":4924,"end_word":4934,"sentiment":"positive","sentiment_score":0.41408979892730713},{"text":"Ross, if you do have questions around any of those, do let me know. Okay?","start_word":4935,"end_word":4949,"sentiment":"neutral","sentiment_score":0.14567077159881592},{"text":"Not a problem. All good.","start_word":4950,"end_word":4954,"sentiment":"positive","sentiment_score":0.4288298785686493},{"text":"I've also got in there just the information around the will and the power of attorney. It's really important that we do make sure that you set up a a will and a power of attorney. Those are done by solicitors, not by us, but we do refer you to a solicitor for the setting up of those. I'm not sure if we have in the past, but we can always email through some information on the local solicitor we use. Alternatively, because this is discussing very sensitive information around estate planning, if you do have a local solicitor you're comfortable speaking to and organizing that, then I do recommend you speak to them as well.","start_word":4955,"end_word":5070,"sentiment":"neutral","sentiment_score":0.13363029062747955},{"text":"So I'm just making sure that everything is set up in the event that something was to happen.","start_word":5071,"end_word":5088,"sentiment":"positive","sentiment_score":0.4021724462509155},{"text":"And even for the future as well, I do know quite a lot of clients who have passed away in their eighties and nineties and still haven't had a will in place, and then going through the probate process can be a lot for someone's family. Okay?","start_word":5089,"end_word":5135,"sentiment":"neutral","sentiment_score":-0.00982857495546341},{"text":"Excellent. It's just that retaining your insurances as they are.","start_word":5136,"end_word":5145,"sentiment":"positive","sentiment_score":0.4622906744480133},{"text":"We'll review those in the next few months as well. And then just letting you know as well, we've got the ongoing service agreement attached there for you. So having us look after your social, you do pay us an ongoing service fee. It is 1.65% per annum. That is the yearly figure, and it's deducted on a a smaller scale on a monthly basis from your super. I'll make sure that I keep sort of monitoring things with you, and we'll do a bit of a catch up in the next few months there as well. But I've got the ongoing service agreement attached to the the DocuSign there for you to sign and return back for me. And then I've also attached the tax file opt in form. So we just like to make sure that you're aware of the information we hold on you because we set you see that any insurance is up. We hold your tax file number, and we just wanna make sure we get the consent to continue holding that and make sure you're aware of the information that we do hold there for you and the security that we undertake to protect that information. Okay. Yep. All good. Is there any questions? Do you have any questions, concerns, or anything that you kinda wanted to bring up with me, or did you just wanna take some time to read it over? Or No. We're all good.","start_word":5146,"end_word":5389,"sentiment":"neutral","sentiment_score":0.1654157706337874},{"text":"we're all good. Beautiful.","start_word":5390,"end_word":5393,"sentiment":"positive","sentiment_score":0.5161436796188354},{"text":"I was glad I was able to come up with a plan, and my last conversation wasn't the best. And I do apologize. It's not something I wanted to do, but I wanted to sort of, you know, talk to you about where we were going and what we were looking at and come up with the best possible strategy to help you knowing that this is a short term strategy, and we'll definitely look at focusing on things a bit more down the track for you as well. Okay? Not a problem. All good. Have a read through it. Let me know if there's any questions. We'll just get you to sign and return it back so we can make those changes there for you. With the catch up, would you like me to do a catch up with you in about three months, six months? What's what's the preference for yourself there, Ross? Probably do another three months if we could. Yeah. Absolutely. Three months. I'll pop a catch up in the system. My admin team member will give you a call in three months to book in a time and see how things are going. And if you need anything in the meantime, please don't ever hesitate. Let me know. I will book in time, day or night, to assist you and have a chat. Okay? Not a problem.","start_word":5394,"end_word":5625,"sentiment":"neutral","sentiment_score":0.1368568241596222},{"text":"All good. Thank you so much for your time today. I really appreciate it.","start_word":5626,"end_word":5639,"sentiment":"positive","sentiment_score":0.6444218158721924},{"text":"And do you have any other plans or anything you got going on today? Are you just gonna rest? No. Not much.","start_word":5640,"end_word":5661,"sentiment":"neutral","sentiment_score":0.10137619823217392},{"text":"I think it's a Netflix day. Sounds good.","start_word":5662,"end_word":5669,"sentiment":"positive","sentiment_score":0.5200074315071106},{"text":"What are you watching? Anything fun? No. I just I just finished a series, Peaky Blinders.","start_word":5670,"end_word":5685,"sentiment":"neutral","sentiment_score":0.28604018688201904},{"text":"I love that. That's Yeah. good. That was pretty good. Yeah. Oh, fantastic. Well, hopefully, you have a good aft a good day, a good afternoon, and, yeah, I'll make sure we touch base.","start_word":5686,"end_word":5719,"sentiment":"positive","sentiment_score":0.5958464741706848},{"text":"Okay? Let me know if there's any questions in relation to any part of the document there for you. Okay.","start_word":5720,"end_word":5739,"sentiment":"neutral","sentiment_score":0.22001469135284424},{"text":"Not a problem. Thank you very much. My pleasure, Ross. You have a good hour. Talk to you soon.","start_word":5740,"end_word":5758,"sentiment":"positive","sentiment_score":0.6554599404335022},{"text":"No worries.","start_word":5759,"end_word":5760,"sentiment":"neutral","sentiment_score":0.2653626501560211},{"text":"Same with you. See you later.","start_word":5761,"end_word":5766,"sentiment":"positive","sentiment_score":0.3990578353404999},{"text":"Bye. Bye.","start_word":5767,"end_word":5768,"sentiment":"neutral","sentiment_score":0.1765568107366562}],"average":{"sentiment":"neutral","sentiment_score":0.14309958160066644}}}}