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I had you booked in this morning just to run through your updated statement of advice with the new recommendations there. Is now still a good time? Fantastic. I have the email just sent through to you with the document attached so you can look at it as I'm going through things. Are you able to access your email, sir, at the moment? Yeah. That's absolutely fine. No. That's okay. Look, just while you are doing that, I just have to let you know our calls are recorded for training and quality purposes. Are you okay with us proceeding with that? Fantastic. And I'll just do a quick security check here with you as well just to confirm your full name, your date of birth, and address that I should have on file. Yep. Perfect. Thank you so much for that. No. That's okay. You take your time. Honestly, it's not an issue at all. I'm so sorry. What was that? Yeah. Yeah. Yeah. Absolutely. I just said it's best if if you're able to open it up, and that way we can go through it together so you can see what I'm talking about. It kinda gives you a little bit more context, and and then you're able to ask questions as we're going through it. Take as I said, take things a little bit slower for you to make it easier. That's okay. That's okay. Did you want me to sort of yeah? That's okay. All good. Now you're looking at the statement of advice there prepared for yourself, Sharon Carey, as of the 08/20/2026. On the bottom of the first page, it has my authorized representative number. So I'm a licensed financial adviser through Affic, and my registration number is 1304394. Okay? Excellent. The next page, as you kinda just scroll down through, it has the best interest duty. So this is making sure you're aware that any advice we do provide is done under the best interest, Judy. This is part of the corporation's act. So it's about making sure we understand enough information about you and yourself and your goals and your circumstances to be able to provide financial advice to help you work towards your financial goals. Okay? Excellent. On pages number three and four and five, we have a yes. It's called scoping in and out. So these are areas that we are considered are considering as part of the advice that we have superannuation and your insurances. You've got life cover. You are happy to keep that life cover. I have not made any changes to recommendations on that. It's just that because that is paid out of your super fund, we need to make sure we consider that as part of your projected outcome. Okay? Excellent. We've got scoping the state planning. So you are in the process of having your will and power of attorneys drafted up, and we talked about altering your beneficiary nominations so that your super and your life cover could be directed through to your will and form part of your state. That way, it sorta helps to limit the amount of tax payable by by your children in the event of a death claim. Okay. Excellent. I've also slightly scoped in by a Social Security aspect. So because you are wanting to access super at around about age 57, I've considered what these recommendations can do with the projected outcome, so what we're looking at over the next four to five years, but also factoring in when you get to that point, whether Social Security, whether the age pension is also gonna be a consideration, and how that might help your super. Okay. Excellent. On page number five, we've got scoping out the areas that we're not looking at as part of the advice. And this is where we talked about that retirement side of things and the transition retirement strategy. We had that originally. You and I just agreed to kind of push that back for a little bit. We'll come back in a few months and reassess that. We'll just start small and work on what we're doing now, and then we'll come back and deal with that and look at other strategies down the track for you. Does that all make sense? Yep. Excellent. That's okay. Is it good? I'm currently on page number eight. Yep. That's okay. You're fine. Oh, beautiful. A little bit bigger and bit easier to see. That's okay. You're absolutely you're fine. It's all good. Not a problem at all. Down from sort of that page, page seven and eight onwards, you've got sort of a scoping of where your assets and liabilities are your current super balance and your life insurance noted down there. So that's all that we had noted as per our last conversation. So super balance is currently up to a 153,304 and 30¢, and you have about a hundred and twenty four thousand seven ninety three in life cover through a sender there. Okay. Page number nine is about the risk profiling. So that was those questions we talked about where you're currently invested in a growth portfolio, which essentially sees 80% of your people invested in those growth assets. When we reassess your risk profile and you had scored there as a balanced investor, but you are more comfortable stepping down the risk level in smaller increments. So we agreed to start with a balanced growth environment and start to reduce risk slowly, so it's not such a big change there. Okay. Excellent. If you go down to page number 11, this is where the recommendations are essentially starting for you. Beautiful. Now this is basically stating that that we are recommending that you do retain your net wealth super account and that we look at switching the investment. We're recommending you retain continue to have your super contributions directed into your NetWealth account, and I'll take you through the changes shortly. Essentially, this is just noting that we're changing the investments to reduce your risk level in the market. So in that growth kind of environment you're in at the moment, it generally suits somewhere within approximate time frame of six years before accessing the super, and that's because having 80% invested in those growth assets like shares and e and exchange traded funds, like international exchange shares, you are taking a bit more risk in the market, and therefore, you are exposing yourself to more market ups and downs, especially as your balance continues. Because you are 63 this year and wanting to access these around about age 67, you have a smaller time horizon. So starting to reduce your risk in the market, and doing it at smaller increments means that we're stepping down gradually. We're not making very large changes, but it's working towards protecting your capital. So as you reduce your risk level, you expect less market ups and downs that make you feel very nervous. Does that make sense? Yep. Beautiful. Now I will get my team to send you a copy of this. It's a hard copy on Monday, so that should come in the post for you soon. That way you can kinda read through this. But I essentially have the best interest duty there, which outlines how this works in relation to your goal. It's relating the recommendations back to your goals, some why it is in your best interest to reduce your risk and alter the investments within there. Okay? Excellent. To sort of show you what we're going to do, if you sort of move down for me to page number 18, this is the fee comparison table. Yeah. Perfect. So with this table, you'll see four columns there. The ones that we're focusing on are the current and recommended and differences column. So the current has your current balance at the top, and then we've also got underneath that the administration fees, investment fees, the ongoing service fee for us looking after and providing financial advice for you, the contributions going in, and your current insurance premium deducted there as well. Below that, we have the total cost of the fund, the total percentage weighted costing, and the investor profile, which is that growth environment. And then the five year rolling average is the very bottom, and that's essentially showing you with your current portfolio what this has averaged over the past five years. Being in that growth environment, this portfolio has averaged around about 10.72%. What I'm recommending is that we retain your Netwealth super account but that we switch your investment. It does mean that there is a CGT impact for your super fund. So your super fund, just like you, does a tax return every year. And when I went back and looked at the cost, the super fund would have to account for for making the switch in the investment, is $511. So your super fund will pay a capital gains tax of $511 in order to make the switch in the investment. Retaining that's okay. Does that make sense so far? Do you have any questions at all? Mhmm. Excellent. Underneath that recommended column, we start with a separate balance. So once we've taken away the CDT cost, we expect your super balance to be sitting at a $152,007.94. So that's the current balance minus the CDT impact for the switch. Underneath that, you've got your administration fees. Because we're retaining net wealth, there's no change to the super fund. The administration fees will stay the same. But underneath that, you'll see the investment fee actually decreased. So the newer portfolio as a whole is actually cheaper than your current portfolio, and we should be able to save about $88 in investment fee. So that's less money being paid for investment fees and more money staying in your super fund working harder for you. Okay? Excellent. Our ongoing service fee does decrease a little bit there just because, obviously, the balance has decreased slightly. We do expect that to be about $32 cheaper. Your contributions continue to go in at the same rate, and your insurance premiums, no change there either. Under yeah. Underneath that, the investor profile, you've got your balance growth portfolio. So this is reducing your risk level a little bit. And when we look at this balance growth portfolio, it's averaged about 10.02%. So it's almost kept up with that growth portfolio and is performing really, really well, but it's also reducing the risk level a little bit for you. Okay? Excellent. So it's only performed about 0.70% less than the current growth portfolio, which is quite good. It's kept up fairly nicely. It's providing good returns still, but it's also reducing your risk level, which is about protecting your capital. Okay? We're on page 18. We're going down to 19 now. Yep. That's okay. Yeah. You're fine. Perfect. That's okay. That's alright. Just let me know when you're down on page number 19 there. Beautiful. Now this is a projected balance. Essentially, this is taking all the information from that previous table and correlating it into a projection. So in the current portfolio, which is where you're taking more risk in that growth environment, if you stayed exactly where you are and the market was able to perform and provide that 10.70% over the next four to five years, you can essentially see where you're expected to end up. So with about 215,000 in four years or with about 200 and 34,000 in five years there. With the recommendations yeah. With the recommendations, we are reducing the risk level down to that balanced growth environment. So instead of having 80% in those higher risk investments, we only have 70% of your funds there. We know that the the expected average return is a little bit less, so we do know we expect the projection to be a little bit less as well. However, it's not too bad. It's only showing over the next four to five years a difference of around 5 to 7,000 from your current. So that newer portfolio is reducing risk. It's still providing a decent return, but we know it's it's expected to be less than where you would currently be if you kept and had that higher risk level. Does that make sense? No. Correct. Yes. Correct. Correct. It's keeping up really, really nicely. The main thing that's important is that it is reducing your risk level for you. So we're starting to protect your capital a little bit. We still know you're gonna feel those ups and downs, but not as as much as you would in that growth environment there. Okay? Yep. Beautiful. Do you have any questions so far, Sharon? Does that make sense so far? Well, super is currently tapped in certain ways. So income within the accumulation phase, which is where you're at the moment. So before you retire with your super, you're in that accumulation phase because you're accumulating wealth. Inside super, they do tax income at 15% and capital gain. So changes to investments are also kept inside super. If you withdraw super prior to the age of 60, there are taxation consequences if you meet those conditions of release. But at the moment, super as a whole, if you are over 60 and you're accessing super and you meet those conditions of release, it's fully tax free. I don't see how they could change anything with regards to that because, realistically, they want you to build super, and it's got it's gotta be benefits to having super. Otherwise, no one's gonna wanna use it. So yeah. But at the moment at the moment, that's not changing. They would probably have to change a lot of the legislation to change a lot of those things. I've heard Albo say quite a lot of different things than what he would like to do with Super. But at the moment, there's nothing changing currently for you. So yeah. All good. If you go down to page number 20 for me, this is the table showing the changes in the investment. Yep. Beautiful. So you'll see on the first column all the current investments that you do have within the super fund there, and then the the red the buy sell column, which is the red and the green, is essentially showing the changes that we'll make to your portfolio. So just going through them nice and easily for you, you've got physical gold in there at the moment. You've got about 7% there currently. We only wanna hold about so we wanna hold about 10% total, so we are gonna buy a little bit more physical gold for you. You've got about 33% of the the beta shares a 200. We wanna hold about 20% there, so we're going to sell some of that off to reduce the risk level or reduce some of those Australian equities. At the moment, you've got the Vanguard fixed interest investment. We are selling all of that down to zero. We're gonna replace that in your portfolio. You've also got their beta shares cybersecurity. You have about 5% currently. We're gonna sell a little over 3,000 off and bring you back to 4% within the portfolio. You've also got the iShares European exposure. So this is giving you access to all the European countries. In your current portfolio, you had you have 4%. We wanna hold about 7% there, so we're going to buy a bit more of that investment. Okay? Yep. The next one down is also European exposure. You currently have 4% of that, and we don't want any of that. We're going to utilize the ICS European exposure because it's cheaper investment and it gives you greater diversification. So we're gonna sell all that ISA's MSCI European exposure. Okay. That'll go to zero. Yeah. We are. Yeah. No. It's not. It's definitely not a silly question. Absolutely. So, essentially, we start by doing all these, sell. So all the red ones that are minusing, we sell all those off, and that, basically, green. So that money is being reinvested back into other investments for you. Yeah. Yeah. That will be gone. And instead of that investment, we're gonna have the iShares core composite fund. So bonds like fixed interest, defensive assets, we're gonna hold 24% of bonds. Essentially, bonds are think of them like term deposits. You put your money into a a bond, and you're getting income. Yeah. Correct. Correct. But these are also cheaper investments and have performed greater over the past. So it's all part of kind of readjusting your portfolio and moving money into other areas where we've seen greater growth, but also other protections there. So we are still kicking those defensive assets. We're just moving the money into something else. So the core composite funds at the bottom, that will replace the Vanguard fixed interest investment. You did only hold 9% in Vanguard fixed interest. We're actually gonna hold 24% in core composite funds because we're increasing the amount of defensive assets you have as well. Okay. Yes. Yes. Yep. Yeah. Excellent. With the the European the the MSCI Europe, we're removing all of that because we're gonna have more of the iShares Europe investment, which is actually cheaper. So we're replacing that. You don't wanna have two European investments. Dreamlining and having one does make it cheaper and better for you. And this iShares Europe investment gives you exposure to all of the European countries, not just one or two. Okay? Yep. We've also got the iShares MSC Isomitsky Japan in there. You currently hold 4%. We're reducing your weighting to 3%. So we're just gonna sell off $1,624.86. It's reducing your exposure. Yep. The S and P 500, the iShares S and P 500, that is exposed into the top 500 companies on The US market. You currently have 26.14% in there. We only or we wanna hold 25% total, so it means we're gonna sell off a little over 2,000 to reduce your exposure into that investment there. Okay? Excellent. And then you've got the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. So you don't hold any of that at the moment. One of the big things about reducing risk is diversifying across the globe, and this investment does that. So we wanna hold about 7% in your portfolio, which means we're gonna buy about $10,588 of that investment. Okay? Yep. And then you've got the core composite bonds. 24 of the holding will be added to your portfolio, and that is to replace the fixed interest component within your portfolio. Okay. Beautiful. Does that make sense? Do you have any questions about that table at all? That's okay? Yep. Beautiful. If you look at the last column of that table, the target weighting, that essentially shows what you're gonna see in your portfolio at the end of it. So based on the balance, we would expect to have about 15,000 in physical gold, 30,000 in the Australian 200, the top 200 companies on the Australian AOSX, a little over 6,000 in cybersecurity, a bit over 10,000 in the European exposure, a bit over 4,000 in the Japanese exposure, a bit over 37,000 in the S and P 500 for the American market. The all world, a bit over 10,000 there, and then 36,000 a little over in the in the bonds and the defensive component for you. Okay. That's the very last column of that same table we were just going through. Yep. Yep. Beautiful. Excellent. Do you have any questions? Does that all make sense so far? That's okay. Are there any questions that come up? Well, there's no such thing as a silly question. So is there any questions that have come up that you kind of wanted to have answered? Or no. That's okay. That's okay. On the next page, on page number 21 sorry. This is showing the amount of cash. So all funds need to have a a cash component. There's some money that's held in cash. This shows that at the moment, you've got 3.84% in cash, which means you're currently holding $5,886 in cash. We only wanna hold 1% cash, which is a bit over $1,500 there. So we're gonna take the $4,353 of your cash and have that invested in a table above as well. Okay? Yep. That makes sense. Yep. That's the total balance. Yeah. That's the cash component plus the investments above in the other table we went through. Yeah. That's what you will have in the sleeper after the change. Yes. Correct. Does that make sense? If it doesn't, please let me know. Yeah. Yeah. No. That's absolutely fine. So, essentially, your balance at the moment is 153,304. After we make the switch and change those investments as per that table there, you'll end up with a 152,794. So that's after the capital gains consequence for switching or changing the investments has gone into play. And that is that $1.52 $7.09 8 that you see on the cash total, that is the total of the $1,500 in cash that we will have left in your cash account, plus the total investments from the table above once we've made that change. Does that make sense? Yes. Yep. Excellent. All good. Perfect. Now if you go down to the next page for me, you've got the asset allocation. Beautiful. Now this is just showing you essentially what the changes will look like. So if we're we're just looking at you've got four or five columns, the asset allocation, risk profile, existing, proposed, and varied. I'm just sort of looking at the the risk profile, the existing, and the proposed, so the middle three column. If you look at the growth total and the defensive total, these are the highlights in bold columns. Your risk profile as a balanced growth investor would see about 70% in growth investments, which are these sorts of things here. It's alternative growth assets, property, international equities, and Australian equities there. And then the other 30% would be in defensive lower risk investments like cash, bonds, and fixed interest, essentially. In your existing growth yeah. In your existing growth portfolio, you're currently weighted at 87% so 87.08% in those growth investments and 12.92% in defensive investments. By making the changes in this document, we can see you reduce your growth assets to 76%. That's reducing how much you have in those higher risk investments and then increasing the defensive component to 24%. Does that make sense? Yes. Beautiful. And the various column, the 6% there, that's essentially saying that from the expected risk profile of 70%, you're gonna have 76% in growth asset. So it's it's adding 6% in. And with the defensive component, it's basically subtracting 6% from where the 30% would be. Does that make sense? Yes. Beautiful. Excellent. Excellent. If you go down to the next page for me, we've got the return and projected out outcome there. So this is sort of showing based on your current circumstances, when you get to the age of 67 and fully retire, this is the projected outcome that we would see based on your current recommendation? Beautiful. So your goal target income was to earn about 57,200 on a yearly basis from Super and also from a pension if possible there as well. With the recommendations, it is important to be reducing risk as you get closer to accessing super because you don't wanna go into those time years seeing very heavy market fluctuations. But based on the recommendations and the projected outcome, if you then retire at age 67 based on, you know, current current assets, your super, and the possibility of age pension, we can see that you're eligible for a pension there, And then supplementing a little bit of your super from that as well. Be expected to get your super lasting till around about age 91. You would be able to draw about 50533. So it doesn't quite meet your target goal. It's essentially saying you'd be living on about $6,667 less than what you wanted to earn in retirement to make that last longer. When you get to retirement, you it doesn't mean you can draw down the amount you need to live on, but your super won't last as long as what is expected. So this is sort of showing you in order to get your super to last as long as possible to age maybe 91, this is essentially the target income you'd be able to draw down. So, realistically, this is not quite meeting your goal yet, but we're not quite there. We've got a bit of time ahead of us. So we can still look at the PCR option down the track. We can also look at increasing contributions down the track to kinda help provide that boost, and it also depends upon market return. So we've averaged in the projection table about a 10.07% return currently. However, the market could perform better, which could provide a greater amount of growth to your super. So we just need to reevaluate it, keep looking at things, and working longer towards, you know, what we do. And then when you get to, you know, the age where you actually wanna retire, then we reassess this again and look at what the expectation is based on your balance at that time. So this is just giving you an idea of the projected outcome. It's not a definite. It's saying based on what we know, what we have, this is where we're tracking for. Now correct. But it can definitely change in the future there. Does that make sense? Mhmm. Mhmm. Correct. It is still invested. It's still working. It's still growing. Correct. The main thing is we don't get the higher returns. So we also use a very conservative retirement figure. Most people in their retirement years are very much conservative, probably attracting for around about a five to 6% return in those retirement years. So we know the returns are expected to be lower. We wanna generate income so we have more of those defensive cash investments like fixed interest and bonds because we wanna generate more cash out of the portfolio, which helps your drawdown. And you'll see, depending on market reactions could last longer than this, and we could get a greater benefit to it. But it's about just reassessing it down the track. But yeah. Yeah. Does that make sense? Yeah. Yeah. Beautiful. It kinda shows you where we're tracking for. And, look, it's by no means bad. You still can draw a good income that you are gonna be eligible for the age pension. And in the next year, four to five years, the age pension is also in debt and reevaluated by a year on the March 20 and September every year. So by the time you get to retirement, the age pension could be higher than where it is now. Your super balance, I'm hoping to have a lot higher than where it is now as well, and we'll be able to look at a way to draw down out of both of those to make sure it lasts as long as possible for you. Okay? Yeah. Beautiful. Do you have more questions? Has anything kinda come up that you wanted me to kinda clarify more for you? Or oh, that's good. That's good. It is a lot. I fully understand that. As I sort of said, let's do it a little bit easier for you. But I'm still happy to have the actual document posted out to you as a hard copy to make it easier for you to read through as well. But, yeah, it's all good. The next page down is just about retaining your insurance level. Sorry. You've got your life insurance cover there. You were happy to keep that for a little bit longer, so we're just retaining that. It is paid out of super and can have an effect on that for you. Okay? If you go down to page number 25, I can sort of show you that impact there. Yep. Beautiful. So on the bottom of page number 25, you've actually got a heading that says outcome, and underneath that, we have another table with the current recommended and no insurance. Can you see that there? Yep. Beautiful. So this is the same as the projection table. The current is basically your current portfolio with the current projected outcome, noting that over the next four to five years, this is where we could see if you don't make any changes in your super fund now. The recommended is showing by reducing risk with the current recommended outcome. This is where the projected outcome is expected to be, which isn't too bad at all. The no insurance column is just to show you a comparison. If you did not have insurances, essentially, this is where the projected outcome could end up after we change your risk and change your portfolio over. So it's just about understanding that, you know, in the next four to five years, by having the insurance paid out of super, it does reduce how much you are expected to end up within retirement, but there's also a level of you need the insurance if you wanna keep the insurances, so, you know, understanding that. It's not a big impact over the next five years. Essentially, by not having insurance premiums paid, you could end up with about 230,000 there Under the recommended, we're still recommending you end up with about 226,000 in super. So it's not a very large impact? Correct. Yeah. Correct. But we just like to show you that to show you that we understand that there is an impact on on the retirement outcome with this, and this is essentially what that that impact looks like. Okay? Excellent. On all of these pages, when you are when you take some time to read it through, I've outlined the best interest duty for you, which outlines the the reasoning behind my recommendations, yeah, and then relates it back to your goal. We've also got the advantages, the disadvantages, and the risks involved. I outlined some of those as part of our conversation, but going through all of them becomes a lot. So I'll let you go back and have a bit of a read through those as well. I've also got any alternatives that we have considered as part of the research, the the advice for you. Okay? Excellent. And then down on page number 29, we just have the beneficiary side of things as well. So as we kinda went through updating your beneficiaries, you wanted to make sure that if anything happens, that your kids are looked after with the super and the life cover paid out to them. Because inside superannuation, there is a tax impact on the taxable component where non tax dependent, so children over the age of 18 or non tax dependent, can pay up to 17% tax on the amount. So having it directed through your will and picking what's called legal personal representative, That means that if anything happens to you, your super and your life insurance premiums are paid to your estate, and then they will be distributed alongside your will as per your direction. It does not alleviate a 100% of the tax consequences, but it does mitigate or it does it reduces the amount of tax that would be paid by your dependent if they receive the benefit there for you. So it is and it gives you a lot more control as to how you want that money paid if it was directed straight to your kids from the from the and the life insurance proceeds. They just receive the benefit as it is. In your will, your lawyer can help you to set up trust or allocate money depending on how good your kids are with money or, you know, their consequences and things like that. So you have a lot more control with your will as to where you want money to be paid to, who you want it to go to, and what percentage you want them to receive of those funds as well. Okay. Excellent. I outlined again the best interest, Judy, and why I'm making that recommendation for you. I've got below the advantages, disadvantages, and risks in both, so you're fully informed before you decide to take the recommendations. And then I know you were in the process of doing up your will. I believe your niece is a solicitor. Is that right? The lawyer? Yep. Beautiful. And below this, I have also noted that just doing up your will, having a power of attorney put in place, and the advantages, disadvantages, and risks involved there. I know you are in the process of having that done, but I wanted to make sure this still was in the advice document for you to kinda give you a little bit more information around that side of things. And that way, you've got you've got a bit more clarity on why I'm recommending things the way I am. Okay? Excellent. The only other thing to kinda clarify is that you do pay us an ongoing service fee, which is 1.65% per annum. Next year, our fees will be changing a little bit, but right now, you're still on the same fee. It is on page number 41, we've outlined what that is. It's expected to be 2,624 for the year. The way it essentially works is 1.65% per annum, and then it is deducted smaller monthly increments out of your super. And that sort of is the fee for us looking after your super, providing advice, and keeping you on track towards your goals. As part of that fee, we don't charge any implementation or upfront fees for advice. So we can do two, three, four, five advice documents, as many as you need over the course of the year, and there's no additional charge for those advice documents. It's all incorporated in that ongoing service fee that you do pay for our services. Does that make sense? No. Correct. We yeah. No. Correct. That's the idea is we don't really want it to be a noticeable. It's about having it in the background. You kinda want your super to be growing and building to cover the fees that you're paying, but also compounding and building on growth for that as well. So that's essentially how we want it to work, but it's just that also being a professional service and making sure that we are able to earn because there's a lot of cost involved in doing up advice and the research and everything behind the scenes. So most people just talk to me, but I have a whole team of people that helps me do the research, put the advice together, and do all the bits and pieces. So yeah. Excellent. And with your insurance policy with the sender, we're just disclosing that you do so you don't, but the insurance company does pay us a remuneration or an ongoing percentage of the premium. It is paid by the insurance company to us, not by you in any way. So it's just letting you know that this is disclosed. It's got no impact on our advice in any way, shape, or form. We're retaining that policy because it's important to you to retain, But we're expected for the year to receive about a $155 in in essentially remuneration from the insurance company for that policy. Okay? Excellent. To make things easier, if you decide to take on the advice, how we will implement it will be you will just sign the advice document and send that it comes back to us automatically once it has been signed. And then we will do the switch yeah. Yeah. Absolutely. Yep. Oh, thank you. That's okay. Did you still want me to get the team to post out the other one to you? Yeah. Absolutely. That's absolutely fine. Absolutely. Yep. Yep. Absolutely. Yeah. Yeah. We're doing this for now, and then we sort of talked about touching base maybe early January and looking at that retirement strategy. Does that sound okay to you? We'll sort of get through this, go through Christmas, and then sort of come back and look at it early next year, or did you wanna do it beforehand? Yep. Yep. Beautiful. It's crazy. The year is flying by, isn't it? I know. I know. But, yeah, look how we'll implement this to make it easier. You'll just sign and return that back. We will do all the changing of the investments in the background. You might receive an email here or there to let you know that we're making those changes, And then we'll organize and send your beneficiary nominations to you. We'll help to refill those. You'll sign and send them back, and then this is about doing your will and power of attorney through your lawyer or your solicitor. Okay? Beautiful. All good. Now with the other document, I do have to let you know, is the ongoing service agreement for us for the next twelve months. That was due to be renewed now as well. So that is the other document attached to the to the statement of advice email there. Did you just wanna confirm because you said that you had signed that. Has it taken you to the next year? If you're comfortable, are you comfortable to sign and take on those recommendations now? Did you wanna go through that again? What would you what are you comfortable with? Yep. Perfect. So if you press the sign button, it'll give you an option to sort of pre fill your signature for you. If you're comfortable with that, you can just click on it, and it will allocate it. So you sign it's just gonna sign one document at a time, or sign all will allocate your signature to both the documents at the same time to make it easier. Yep. Yeah. I'm the same. Yep. And then what does the next one say? What does it say next? Yep. So you just click on that, and it should automatically prepopulate the dates for you. Yep. And it will take you down, which is the ongoing service agreement there as well. Yep. No. That's okay. What's it sort of saying? Yep. Beautiful. Yep. And that will send back to me, and it should it might also send you an email letting you know that's all being done. So, yeah, so Netwealth is the super fund that owes you we're the financial advisers. So we're the financial advisers who help you to monitor. We open the super fund, but Netwealth is the actual super fund that you have. If that's yeah. If you want it under net oh, that's absolutely fine. It's it's more just depending on how your file system works. Did you want the documents noted under or if you as your advisers knowing that we look after all those assets, or what how do you sort of how does it work for you? That's okay. If you put on honestly, what I sort of do with a lot of my stuff is anything provided by the adviser going under the OC file probably makes it easier because then you can see everything that you've got there. Like, the ongoing service agreement is added to Netwealth as your super fund, but we're the ones that receive funds. So maybe keeping it all together might be easier for you. Yeah. Yeah. Beautiful. All good. Well, thank you so much. Now I've just been notified that it has all come back signed, so thank you so much for that. My team will post out the documents to you, hard copy on Monday if you've got a copy of it there. And then if you do find you have extra questions, let me know, but we'll go forward and kinda do all the implementation and get the investor switch completed for you. Okay? Easy. Is there any questions or anything that's kinda come up, Sharon, that you might wanna have me follow-up for you? Or yep. Beautiful. Fantastic. Excellent. Well, thank you so much for your time today. I hope you have a good day. If any questions do come up, let me know. And then once we've gone through this, I'll make a note to touch base with you probably January when we come back from the Christmas break, which is early January, and we'll make a time to kinda go through and reassess that transition time and strategy for you. And in the meantime, if anything else comes up, let me know. Okay? That's okay. Thanks. Thanks. No worries. You you too, Sharon. Thank you for your time. I appreciate it. Thanks. See you later. 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Sharon. It's Dana from Okie Finance. So how are you this morning? Yeah. Good.\n\nThank you. I had you booked in this morning just to run through your updated statement of advice with the new recommendations there. Is now still a good time? Fantastic. I have the email just sent through to you with the document attached so you can look at it as I'm going through things.\n\nAre you able to access your email, sir, at the moment? Yeah. That's absolutely fine. No. That's okay.\n\nLook, just while you are doing that, I just have to let you know our calls are recorded for training and quality purposes. Are you okay with us proceeding with that? Fantastic. And I'll just do a quick security check here with you as well just to confirm your full name, your date of birth, and address that I should have on file. Yep.\n\nPerfect. Thank you so much for that. No. That's okay. You take your time.\n\nHonestly, it's not an issue at all. I'm so sorry. What was that? Yeah. Yeah.\n\nYeah. Absolutely. I just said it's best if if you're able to open it up, and that way we can go through it together so you can see what I'm talking about. It kinda gives you a little bit more context, and and then you're able to ask questions as we're going through it. Take as I said, take things a little bit slower for you to make it easier.\n\nThat's okay. That's okay. Did you want me to sort of yeah? That's okay. All good.\n\nNow you're looking at the statement of advice there prepared for yourself, Sharon Carey, as of the 08/20/2026. On the bottom of the first page, it has my authorized representative number. So I'm a licensed financial adviser through Affic, and my registration number is 1304394. Okay? Excellent.\n\nThe next page, as you kinda just scroll down through, it has the best interest duty. So this is making sure you're aware that any advice we do provide is done under the best interest, Judy. This is part of the corporation's act. So it's about making sure we understand enough information about you and yourself and your goals and your circumstances to be able to provide financial advice to help you work towards your financial goals. Okay?\n\nExcellent. On pages number three and four and five, we have a yes. It's called scoping in and out. So these are areas that we are considered are considering as part of the advice that we have superannuation and your insurances. You've got life cover.\n\nYou are happy to keep that life cover. I have not made any changes to recommendations on that. It's just that because that is paid out of your super fund, we need to make sure we consider that as part of your projected outcome. Okay? Excellent.\n\nWe've got scoping the state planning. So you are in the process of having your will and power of attorneys drafted up, and we talked about altering your beneficiary nominations so that your super and your life cover could be directed through to your will and form part of your state. That way, it sorta helps to limit the amount of tax payable by by your children in the event of a death claim. Okay. Excellent.\n\nI've also slightly scoped in by a Social Security aspect. So because you are wanting to access super at around about age 57, I've considered what these recommendations can do with the projected outcome, so what we're looking at over the next four to five years, but also factoring in when you get to that point, whether Social Security, whether the age pension is also gonna be a consideration, and how that might help your super. Okay. Excellent. On page number five, we've got scoping out the areas that we're not looking at as part of the advice.\n\nAnd this is where we talked about that retirement side of things and the transition retirement strategy. We had that originally. You and I just agreed to kind of push that back for a little bit. We'll come back in a few months and reassess that. We'll just start small and work on what we're doing now, and then we'll come back and deal with that and look at other strategies down the track for you.\n\nDoes that all make sense? Yep. Excellent. That's okay. Is it good?\n\nI'm currently on page number eight. Yep. That's okay. You're fine. Oh, beautiful.\n\nA little bit bigger and bit easier to see. That's okay. You're absolutely you're fine. It's all good. Not a problem at all.\n\nDown from sort of that page, page seven and eight onwards, you've got sort of a scoping of where your assets and liabilities are your current super balance and your life insurance noted down there. So that's all that we had noted as per our last conversation. So super balance is currently up to a 153,304 and 30¢, and you have about a hundred and twenty four thousand seven ninety three in life cover through a sender there. Okay. Page number nine is about the risk profiling.\n\nSo that was those questions we talked about where you're currently invested in a growth portfolio, which essentially sees 80% of your people invested in those growth assets. When we reassess your risk profile and you had scored there as a balanced investor, but you are more comfortable stepping down the risk level in smaller increments. So we agreed to start with a balanced growth environment and start to reduce risk slowly, so it's not such a big change there. Okay. Excellent.\n\nIf you go down to page number 11, this is where the recommendations are essentially starting for you. Beautiful. Now this is basically stating that that we are recommending that you do retain your net wealth super account and that we look at switching the investment. We're recommending you retain continue to have your super contributions directed into your NetWealth account, and I'll take you through the changes shortly. Essentially, this is just noting that we're changing the investments to reduce your risk level in the market.\n\nSo in that growth kind of environment you're in at the moment, it generally suits somewhere within approximate time frame of six years before accessing the super, and that's because having 80% invested in those growth assets like shares and e and exchange traded funds, like international exchange shares, you are taking a bit more risk in the market, and therefore, you are exposing yourself to more market ups and downs, especially as your balance continues. Because you are 63 this year and wanting to access these around about age 67, you have a smaller time horizon. So starting to reduce your risk in the market, and doing it at smaller increments means that we're stepping down gradually. We're not making very large changes, but it's working towards protecting your capital. So as you reduce your risk level, you expect less market ups and downs that make you feel very nervous.\n\nDoes that make sense? Yep. Beautiful. Now I will get my team to send you a copy of this. It's a hard copy on Monday, so that should come in the post for you soon.\n\nThat way you can kinda read through this. But I essentially have the best interest duty there, which outlines how this works in relation to your goal. It's relating the recommendations back to your goals, some why it is in your best interest to reduce your risk and alter the investments within there. Okay? Excellent.\n\nTo sort of show you what we're going to do, if you sort of move down for me to page number 18, this is the fee comparison table. Yeah. Perfect. So with this table, you'll see four columns there. The ones that we're focusing on are the current and recommended and differences column.\n\nSo the current has your current balance at the top, and then we've also got underneath that the administration fees, investment fees, the ongoing service fee for us looking after and providing financial advice for you, the contributions going in, and your current insurance premium deducted there as well. Below that, we have the total cost of the fund, the total percentage weighted costing, and the investor profile, which is that growth environment. And then the five year rolling average is the very bottom, and that's essentially showing you with your current portfolio what this has averaged over the past five years. Being in that growth environment, this portfolio has averaged around about 10.72%. What I'm recommending is that we retain your Netwealth super account but that we switch your investment.\n\nIt does mean that there is a CGT impact for your super fund. So your super fund, just like you, does a tax return every year. And when I went back and looked at the cost, the super fund would have to account for for making the switch in the investment, is $511. So your super fund will pay a capital gains tax of $511 in order to make the switch in the investment. Retaining that's okay.\n\nDoes that make sense so far? Do you have any questions at all? Mhmm. Excellent. Underneath that recommended column, we start with a separate balance.\n\nSo once we've taken away the CDT cost, we expect your super balance to be sitting at a $152,007.94. So that's the current balance minus the CDT impact for the switch. Underneath that, you've got your administration fees. Because we're retaining net wealth, there's no change to the super fund. The administration fees will stay the same.\n\nBut underneath that, you'll see the investment fee actually decreased. So the newer portfolio as a whole is actually cheaper than your current portfolio, and we should be able to save about $88 in investment fee. So that's less money being paid for investment fees and more money staying in your super fund working harder for you. Okay? Excellent.\n\nOur ongoing service fee does decrease a little bit there just because, obviously, the balance has decreased slightly. We do expect that to be about $32 cheaper. Your contributions continue to go in at the same rate, and your insurance premiums, no change there either. Under yeah. Underneath that, the investor profile, you've got your balance growth portfolio.\n\nSo this is reducing your risk level a little bit. And when we look at this balance growth portfolio, it's averaged about 10.02%. So it's almost kept up with that growth portfolio and is performing really, really well, but it's also reducing the risk level a little bit for you. Okay? Excellent.\n\nSo it's only performed about 0.70% less than the current growth portfolio, which is quite good. It's kept up fairly nicely. It's providing good returns still, but it's also reducing your risk level, which is about protecting your capital. Okay? We're on page 18.\n\nWe're going down to 19 now. Yep. That's okay. Yeah. You're fine.\n\nPerfect. That's okay. That's alright. Just let me know when you're down on page number 19 there. Beautiful.\n\nNow this is a projected balance. Essentially, this is taking all the information from that previous table and correlating it into a projection. So in the current portfolio, which is where you're taking more risk in that growth environment, if you stayed exactly where you are and the market was able to perform and provide that 10.70% over the next four to five years, you can essentially see where you're expected to end up. So with about 215,000 in four years or with about 200 and 34,000 in five years there. With the recommendations yeah.\n\nWith the recommendations, we are reducing the risk level down to that balanced growth environment. So instead of having 80% in those higher risk investments, we only have 70% of your funds there. We know that the the expected average return is a little bit less, so we do know we expect the projection to be a little bit less as well. However, it's not too bad. It's only showing over the next four to five years a difference of around 5 to 7,000 from your current.\n\nSo that newer portfolio is reducing risk. It's still providing a decent return, but we know it's it's expected to be less than where you would currently be if you kept and had that higher risk level. Does that make sense? No. Correct.\n\nYes. Correct. Correct. It's keeping up really, really nicely. The main thing that's important is that it is reducing your risk level for you.\n\nSo we're starting to protect your capital a little bit. We still know you're gonna feel those ups and downs, but not as as much as you would in that growth environment there. Okay? Yep. Beautiful.\n\nDo you have any questions so far, Sharon? Does that make sense so far? Well, super is currently tapped in certain ways. So income within the accumulation phase, which is where you're at the moment. So before you retire with your super, you're in that accumulation phase because you're accumulating wealth.\n\nInside super, they do tax income at 15% and capital gain. So changes to investments are also kept inside super. If you withdraw super prior to the age of 60, there are taxation consequences if you meet those conditions of release. But at the moment, super as a whole, if you are over 60 and you're accessing super and you meet those conditions of release, it's fully tax free. I don't see how they could change anything with regards to that because, realistically, they want you to build super, and it's got it's gotta be benefits to having super.\n\nOtherwise, no one's gonna wanna use it. So yeah. But at the moment at the moment, that's not changing. They would probably have to change a lot of the legislation to change a lot of those things. I've heard Albo say quite a lot of different things than what he would like to do with Super.\n\nBut at the moment, there's nothing changing currently for you. So yeah. All good. If you go down to page number 20 for me, this is the table showing the changes in the investment. Yep.\n\nBeautiful. So you'll see on the first column all the current investments that you do have within the super fund there, and then the the red the buy sell column, which is the red and the green, is essentially showing the changes that we'll make to your portfolio. So just going through them nice and easily for you, you've got physical gold in there at the moment. You've got about 7% there currently. We only wanna hold about so we wanna hold about 10% total, so we are gonna buy a little bit more physical gold for you.\n\nYou've got about 33% of the the beta shares a 200. We wanna hold about 20% there, so we're going to sell some of that off to reduce the risk level or reduce some of those Australian equities. At the moment, you've got the Vanguard fixed interest investment. We are selling all of that down to zero. We're gonna replace that in your portfolio.\n\nYou've also got their beta shares cybersecurity. You have about 5% currently. We're gonna sell a little over 3,000 off and bring you back to 4% within the portfolio. You've also got the iShares European exposure. So this is giving you access to all the European countries.\n\nIn your current portfolio, you had you have 4%. We wanna hold about 7% there, so we're going to buy a bit more of that investment. Okay? Yep. The next one down is also European exposure.\n\nYou currently have 4% of that, and we don't want any of that. We're going to utilize the ICS European exposure because it's cheaper investment and it gives you greater diversification. So we're gonna sell all that ISA's MSCI European exposure. Okay. That'll go to zero.\n\nYeah. We are. Yeah. No. It's not.\n\nIt's definitely not a silly question. Absolutely. So, essentially, we start by doing all these, sell. So all the red ones that are minusing, we sell all those off, and that, basically, green. So that money is being reinvested back into other investments for you.\n\nYeah. Yeah. That will be gone. And instead of that investment, we're gonna have the iShares core composite fund. So bonds like fixed interest, defensive assets, we're gonna hold 24% of bonds.\n\nEssentially, bonds are think of them like term deposits. You put your money into a a bond, and you're getting income. Yeah. Correct. Correct.\n\nBut these are also cheaper investments and have performed greater over the past. So it's all part of kind of readjusting your portfolio and moving money into other areas where we've seen greater growth, but also other protections there. So we are still kicking those defensive assets. We're just moving the money into something else. So the core composite funds at the bottom, that will replace the Vanguard fixed interest investment.\n\nYou did only hold 9% in Vanguard fixed interest. We're actually gonna hold 24% in core composite funds because we're increasing the amount of defensive assets you have as well. Okay. Yes. Yes.\n\nYep. Yeah. Excellent. With the the European the the MSCI Europe, we're removing all of that because we're gonna have more of the iShares Europe investment, which is actually cheaper. So we're replacing that.\n\nYou don't wanna have two European investments. Dreamlining and having one does make it cheaper and better for you. And this iShares Europe investment gives you exposure to all of the European countries, not just one or two. Okay? Yep.\n\nWe've also got the iShares MSC Isomitsky Japan in there. You currently hold 4%. We're reducing your weighting to 3%. So we're just gonna sell off $1,624.86. It's reducing your exposure.\n\nYep. The S and P 500, the iShares S and P 500, that is exposed into the top 500 companies on The US market. You currently have 26.14% in there. We only or we wanna hold 25% total, so it means we're gonna sell off a little over 2,000 to reduce your exposure into that investment there. Okay?\n\nExcellent. And then you've got the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. So you don't hold any of that at the moment. One of the big things about reducing risk is diversifying across the globe, and this investment does that.\n\nSo we wanna hold about 7% in your portfolio, which means we're gonna buy about $10,588 of that investment. Okay? Yep. And then you've got the core composite bonds. 24 of the holding will be added to your portfolio, and that is to replace the fixed interest component within your portfolio.\n\nOkay. Beautiful. Does that make sense? Do you have any questions about that table at all? That's okay?\n\nYep. Beautiful. If you look at the last column of that table, the target weighting, that essentially shows what you're gonna see in your portfolio at the end of it. So based on the balance, we would expect to have about 15,000 in physical gold, 30,000 in the Australian 200, the top 200 companies on the Australian AOSX, a little over 6,000 in cybersecurity, a bit over 10,000 in the European exposure, a bit over 4,000 in the Japanese exposure, a bit over 37,000 in the S and P 500 for the American market. The all world, a bit over 10,000 there, and then 36,000 a little over in the in the bonds and the defensive component for you.\n\nOkay. That's the very last column of that same table we were just going through. Yep. Yep. Beautiful.\n\nExcellent. Do you have any questions? Does that all make sense so far? That's okay. Are there any questions that come up?\n\nWell, there's no such thing as a silly question. So is there any questions that have come up that you kind of wanted to have answered? Or no. That's okay. That's okay.\n\nOn the next page, on page number 21 sorry. This is showing the amount of cash. So all funds need to have a a cash component. There's some money that's held in cash. This shows that at the moment, you've got 3.84% in cash, which means you're currently holding $5,886 in cash.\n\nWe only wanna hold 1% cash, which is a bit over $1,500 there. So we're gonna take the $4,353 of your cash and have that invested in a table above as well. Okay? Yep. That makes sense.\n\nYep. That's the total balance. Yeah. That's the cash component plus the investments above in the other table we went through. Yeah.\n\nThat's what you will have in the sleeper after the change. Yes. Correct. Does that make sense? If it doesn't, please let me know.\n\nYeah. Yeah. No. That's absolutely fine. So, essentially, your balance at the moment is 153,304.\n\nAfter we make the switch and change those investments as per that table there, you'll end up with a 152,794. So that's after the capital gains consequence for switching or changing the investments has gone into play. And that is that $1.52 $7.09 8 that you see on the cash total, that is the total of the $1,500 in cash that we will have left in your cash account, plus the total investments from the table above once we've made that change. Does that make sense? Yes.\n\nYep. Excellent. All good. Perfect. Now if you go down to the next page for me, you've got the asset allocation.\n\nBeautiful. Now this is just showing you essentially what the changes will look like. So if we're we're just looking at you've got four or five columns, the asset allocation, risk profile, existing, proposed, and varied. I'm just sort of looking at the the risk profile, the existing, and the proposed, so the middle three column. If you look at the growth total and the defensive total, these are the highlights in bold columns.\n\nYour risk profile as a balanced growth investor would see about 70% in growth investments, which are these sorts of things here. It's alternative growth assets, property, international equities, and Australian equities there. And then the other 30% would be in defensive lower risk investments like cash, bonds, and fixed interest, essentially. In your existing growth yeah. In your existing growth portfolio, you're currently weighted at 87% so 87.08% in those growth investments and 12.92% in defensive investments.\n\nBy making the changes in this document, we can see you reduce your growth assets to 76%. That's reducing how much you have in those higher risk investments and then increasing the defensive component to 24%. Does that make sense? Yes. Beautiful.\n\nAnd the various column, the 6% there, that's essentially saying that from the expected risk profile of 70%, you're gonna have 76% in growth asset. So it's it's adding 6% in. And with the defensive component, it's basically subtracting 6% from where the 30% would be. Does that make sense? Yes.\n\nBeautiful. Excellent. Excellent. If you go down to the next page for me, we've got the return and projected out outcome there. So this is sort of showing based on your current circumstances, when you get to the age of 67 and fully retire, this is the projected outcome that we would see based on your current recommendation?\n\nBeautiful. So your goal target income was to earn about 57,200 on a yearly basis from Super and also from a pension if possible there as well. With the recommendations, it is important to be reducing risk as you get closer to accessing super because you don't wanna go into those time years seeing very heavy market fluctuations. But based on the recommendations and the projected outcome, if you then retire at age 67 based on, you know, current current assets, your super, and the possibility of age pension, we can see that you're eligible for a pension there, And then supplementing a little bit of your super from that as well. Be expected to get your super lasting till around about age 91.\n\nYou would be able to draw about 50533. So it doesn't quite meet your target goal. It's essentially saying you'd be living on about $6,667 less than what you wanted to earn in retirement to make that last longer. When you get to retirement, you it doesn't mean you can draw down the amount you need to live on, but your super won't last as long as what is expected. So this is sort of showing you in order to get your super to last as long as possible to age maybe 91, this is essentially the target income you'd be able to draw down.\n\nSo, realistically, this is not quite meeting your goal yet, but we're not quite there. We've got a bit of time ahead of us. So we can still look at the PCR option down the track. We can also look at increasing contributions down the track to kinda help provide that boost, and it also depends upon market return. So we've averaged in the projection table about a 10.07% return currently.\n\nHowever, the market could perform better, which could provide a greater amount of growth to your super. So we just need to reevaluate it, keep looking at things, and working longer towards, you know, what we do. And then when you get to, you know, the age where you actually wanna retire, then we reassess this again and look at what the expectation is based on your balance at that time. So this is just giving you an idea of the projected outcome. It's not a definite.\n\nIt's saying based on what we know, what we have, this is where we're tracking for. Now correct. But it can definitely change in the future there. Does that make sense? Mhmm.\n\nMhmm. Correct. It is still invested. It's still working. It's still growing.\n\nCorrect. The main thing is we don't get the higher returns. So we also use a very conservative retirement figure. Most people in their retirement years are very much conservative, probably attracting for around about a five to 6% return in those retirement years. So we know the returns are expected to be lower.\n\nWe wanna generate income so we have more of those defensive cash investments like fixed interest and bonds because we wanna generate more cash out of the portfolio, which helps your drawdown. And you'll see, depending on market reactions could last longer than this, and we could get a greater benefit to it. But it's about just reassessing it down the track. But yeah. Yeah.\n\nDoes that make sense? Yeah. Yeah. Beautiful. It kinda shows you where we're tracking for.\n\nAnd, look, it's by no means bad. You still can draw a good income that you are gonna be eligible for the age pension. And in the next year, four to five years, the age pension is also in debt and reevaluated by a year on the March 20 and September every year. So by the time you get to retirement, the age pension could be higher than where it is now. Your super balance, I'm hoping to have a lot higher than where it is now as well, and we'll be able to look at a way to draw down out of both of those to make sure it lasts as long as possible for you.\n\nOkay? Yeah. Beautiful. Do you have more questions? Has anything kinda come up that you wanted me to kinda clarify more for you?\n\nOr oh, that's good. That's good. It is a lot. I fully understand that. As I sort of said, let's do it a little bit easier for you.\n\nBut I'm still happy to have the actual document posted out to you as a hard copy to make it easier for you to read through as well. But, yeah, it's all good. The next page down is just about retaining your insurance level. Sorry. You've got your life insurance cover there.\n\nYou were happy to keep that for a little bit longer, so we're just retaining that. It is paid out of super and can have an effect on that for you. Okay? If you go down to page number 25, I can sort of show you that impact there. Yep.\n\nBeautiful. So on the bottom of page number 25, you've actually got a heading that says outcome, and underneath that, we have another table with the current recommended and no insurance. Can you see that there? Yep. Beautiful.\n\nSo this is the same as the projection table. The current is basically your current portfolio with the current projected outcome, noting that over the next four to five years, this is where we could see if you don't make any changes in your super fund now. The recommended is showing by reducing risk with the current recommended outcome. This is where the projected outcome is expected to be, which isn't too bad at all. The no insurance column is just to show you a comparison.\n\nIf you did not have insurances, essentially, this is where the projected outcome could end up after we change your risk and change your portfolio over. So it's just about understanding that, you know, in the next four to five years, by having the insurance paid out of super, it does reduce how much you are expected to end up within retirement, but there's also a level of you need the insurance if you wanna keep the insurances, so, you know, understanding that. It's not a big impact over the next five years. Essentially, by not having insurance premiums paid, you could end up with about 230,000 there Under the recommended, we're still recommending you end up with about 226,000 in super. So it's not a very large impact?\n\nCorrect. Yeah. Correct. But we just like to show you that to show you that we understand that there is an impact on on the retirement outcome with this, and this is essentially what that that impact looks like. Okay?\n\nExcellent. On all of these pages, when you are when you take some time to read it through, I've outlined the best interest duty for you, which outlines the the reasoning behind my recommendations, yeah, and then relates it back to your goal. We've also got the advantages, the disadvantages, and the risks involved. I outlined some of those as part of our conversation, but going through all of them becomes a lot. So I'll let you go back and have a bit of a read through those as well.\n\nI've also got any alternatives that we have considered as part of the research, the the advice for you. Okay? Excellent. And then down on page number 29, we just have the beneficiary side of things as well. So as we kinda went through updating your beneficiaries, you wanted to make sure that if anything happens, that your kids are looked after with the super and the life cover paid out to them.\n\nBecause inside superannuation, there is a tax impact on the taxable component where non tax dependent, so children over the age of 18 or non tax dependent, can pay up to 17% tax on the amount. So having it directed through your will and picking what's called legal personal representative, That means that if anything happens to you, your super and your life insurance premiums are paid to your estate, and then they will be distributed alongside your will as per your direction. It does not alleviate a 100% of the tax consequences, but it does mitigate or it does it reduces the amount of tax that would be paid by your dependent if they receive the benefit there for you. So it is and it gives you a lot more control as to how you want that money paid if it was directed straight to your kids from the from the and the life insurance proceeds. They just receive the benefit as it is.\n\nIn your will, your lawyer can help you to set up trust or allocate money depending on how good your kids are with money or, you know, their consequences and things like that. So you have a lot more control with your will as to where you want money to be paid to, who you want it to go to, and what percentage you want them to receive of those funds as well. Okay. Excellent. I outlined again the best interest, Judy, and why I'm making that recommendation for you.\n\nI've got below the advantages, disadvantages, and risks in both, so you're fully informed before you decide to take the recommendations. And then I know you were in the process of doing up your will. I believe your niece is a solicitor. Is that right? The lawyer?\n\nYep. Beautiful. And below this, I have also noted that just doing up your will, having a power of attorney put in place, and the advantages, disadvantages, and risks involved there. I know you are in the process of having that done, but I wanted to make sure this still was in the advice document for you to kinda give you a little bit more information around that side of things. And that way, you've got you've got a bit more clarity on why I'm recommending things the way I am.\n\nOkay? Excellent. The only other thing to kinda clarify is that you do pay us an ongoing service fee, which is 1.65% per annum. Next year, our fees will be changing a little bit, but right now, you're still on the same fee. It is on page number 41, we've outlined what that is.\n\nIt's expected to be 2,624 for the year. The way it essentially works is 1.65% per annum, and then it is deducted smaller monthly increments out of your super. And that sort of is the fee for us looking after your super, providing advice, and keeping you on track towards your goals. As part of that fee, we don't charge any implementation or upfront fees for advice. So we can do two, three, four, five advice documents, as many as you need over the course of the year, and there's no additional charge for those advice documents.\n\nIt's all incorporated in that ongoing service fee that you do pay for our services. Does that make sense? No. Correct. We yeah.\n\nNo. Correct. That's the idea is we don't really want it to be a noticeable. It's about having it in the background. You kinda want your super to be growing and building to cover the fees that you're paying, but also compounding and building on growth for that as well.\n\nSo that's essentially how we want it to work, but it's just that also being a professional service and making sure that we are able to earn because there's a lot of cost involved in doing up advice and the research and everything behind the scenes. So most people just talk to me, but I have a whole team of people that helps me do the research, put the advice together, and do all the bits and pieces. So yeah. Excellent. And with your insurance policy with the sender, we're just disclosing that you do so you don't, but the insurance company does pay us a remuneration or an ongoing percentage of the premium.\n\nIt is paid by the insurance company to us, not by you in any way. So it's just letting you know that this is disclosed. It's got no impact on our advice in any way, shape, or form. We're retaining that policy because it's important to you to retain, But we're expected for the year to receive about a $155 in in essentially remuneration from the insurance company for that policy. Okay?\n\nExcellent. To make things easier, if you decide to take on the advice, how we will implement it will be you will just sign the advice document and send that it comes back to us automatically once it has been signed. And then we will do the switch yeah. Yeah. Absolutely.\n\nYep. Oh, thank you. That's okay. Did you still want me to get the team to post out the other one to you? Yeah.\n\nAbsolutely. That's absolutely fine. Absolutely. Yep. Yep.\n\nAbsolutely. Yeah. Yeah. We're doing this for now, and then we sort of talked about touching base maybe early January and looking at that retirement strategy. Does that sound okay to you?\n\nWe'll sort of get through this, go through Christmas, and then sort of come back and look at it early next year, or did you wanna do it beforehand? Yep. Yep. Beautiful. It's crazy.\n\nThe year is flying by, isn't it? I know. I know. But, yeah, look how we'll implement this to make it easier. You'll just sign and return that back.\n\nWe will do all the changing of the investments in the background. You might receive an email here or there to let you know that we're making those changes, And then we'll organize and send your beneficiary nominations to you. We'll help to refill those. You'll sign and send them back, and then this is about doing your will and power of attorney through your lawyer or your solicitor. Okay?\n\nBeautiful. All good. Now with the other document, I do have to let you know, is the ongoing service agreement for us for the next twelve months. That was due to be renewed now as well. So that is the other document attached to the to the statement of advice email there.\n\nDid you just wanna confirm because you said that you had signed that. Has it taken you to the next year? If you're comfortable, are you comfortable to sign and take on those recommendations now? Did you wanna go through that again? What would you what are you comfortable with?\n\nYep. Perfect. So if you press the sign button, it'll give you an option to sort of pre fill your signature for you. If you're comfortable with that, you can just click on it, and it will allocate it. So you sign it's just gonna sign one document at a time, or sign all will allocate your signature to both the documents at the same time to make it easier.\n\nYep. Yeah. I'm the same. Yep. And then what does the next one say?\n\nWhat does it say next? Yep. So you just click on that, and it should automatically prepopulate the dates for you. Yep. And it will take you down, which is the ongoing service agreement there as well.\n\nYep. No. That's okay. What's it sort of saying? Yep.\n\nBeautiful. Yep. And that will send back to me, and it should it might also send you an email letting you know that's all being done. So, yeah, so Netwealth is the super fund that owes you we're the financial advisers. So we're the financial advisers who help you to monitor.\n\nWe open the super fund, but Netwealth is the actual super fund that you have. If that's yeah. If you want it under net oh, that's absolutely fine. It's it's more just depending on how your file system works. Did you want the documents noted under or if you as your advisers knowing that we look after all those assets, or what how do you sort of how does it work for you?\n\nThat's okay. If you put on honestly, what I sort of do with a lot of my stuff is anything provided by the adviser going under the OC file probably makes it easier because then you can see everything that you've got there. Like, the ongoing service agreement is added to Netwealth as your super fund, but we're the ones that receive funds. So maybe keeping it all together might be easier for you. Yeah.\n\nYeah. Beautiful. All good. Well, thank you so much. Now I've just been notified that it has all come back signed, so thank you so much for that.\n\nMy team will post out the documents to you, hard copy on Monday if you've got a copy of it there. And then if you do find you have extra questions, let me know, but we'll go forward and kinda do all the implementation and get the investor switch completed for you. Okay? Easy. Is there any questions or anything that's kinda come up, Sharon, that you might wanna have me follow-up for you?\n\nOr yep. Beautiful. Fantastic. Excellent. Well, thank you so much for your time today.\n\nI hope you have a good day. If any questions do come up, let me know. And then once we've gone through this, I'll make a note to touch base with you probably January when we come back from the Christmas break, which is early January, and we'll make a time to kinda go through and reassess that transition time and strategy for you. And in the meantime, if anything else comes up, let me know. Okay?\n\nThat's okay. Thanks. Thanks. No worries. You you too, Sharon.\n\nThank you for your time. I appreciate it. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sharon.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.13320820033550262},{"text":"It's Dana from Okie Finance.","start":3.6,"end":5.38,"sentiment":"neutral","sentiment_score":0.18372406661510468},{"text":"So how are you this morning?","start":5.44,"end":6.74,"sentiment":"neutral","sentiment_score":0.23323309421539307},{"text":"Yeah.","start":9.12,"end":9.44,"sentiment":"neutral","sentiment_score":0.2597864866256714},{"text":"Good.","start":9.44,"end":9.679999,"sentiment":"positive","sentiment_score":0.5060746669769287}],"sentiment":"neutral","sentiment_score":0.2233530968427658,"num_words":15,"start":2.8799999,"end":9.679999},{"sentences":[{"text":"Thank you.","start":9.679999,"end":10.32,"sentiment":"positive","sentiment_score":0.5768145024776459},{"text":"I had you booked in this morning just to run through your updated statement of advice with the new recommendations there.","start":10.32,"end":15.805,"sentiment":"neutral","sentiment_score":0.2666707372381574},{"text":"Is now still a good time?","start":15.805,"end":17.345,"sentiment":"neutral","sentiment_score":0.18603346000115076},{"text":"Fantastic.","start":20.045,"end":20.545,"sentiment":"positive","sentiment_score":0.6407466530799866},{"text":"I have the email just sent through to you with the document attached so you can look at it as I'm going through things.","start":21.244999,"end":27.24,"sentiment":"neutral","sentiment_score":0.3127448943754037}],"sentiment":"neutral","sentiment_score":0.29660258083431806,"num_words":54,"start":9.679999,"end":27.24},{"sentences":[{"text":"Are you able to access your email, sir, at the moment?","start":27.38,"end":30.039999,"sentiment":"neutral","sentiment_score":0.09534802491014654},{"text":"Yeah.","start":34.26,"end":34.76,"sentiment":"neutral","sentiment_score":0.07809064537286758},{"text":"That's absolutely fine.","start":34.899998,"end":36.36,"sentiment":"neutral","sentiment_score":0.15680032471815744},{"text":"No.","start":42.985,"end":43.145,"sentiment":"neutral","sentiment_score":-0.07662282884120941},{"text":"That's okay.","start":43.145,"end":43.945,"sentiment":"neutral","sentiment_score":-0.055589547380805016}],"sentiment":"neutral","sentiment_score":0.07830655388534069,"num_words":18,"start":27.38,"end":43.945},{"sentences":[{"text":"Look, just while you are doing that, I just have to let you know our calls are recorded for training and quality purposes.","start":43.945,"end":49.005,"sentiment":"neutral","sentiment_score":-0.007068655818052914},{"text":"Are you okay with us proceeding with that?","start":49.065002,"end":51.565002,"sentiment":"neutral","sentiment_score":0.00809447723440826},{"text":"Fantastic.","start":53.65,"end":54.15,"sentiment":"positive","sentiment_score":0.5025957822799683},{"text":"And I'll just do a quick security check here with you as well just to confirm your full name, your date of birth, and address that I should have on file.","start":54.45,"end":60.79,"sentiment":"neutral","sentiment_score":0.19620335702934572},{"text":"Yep.","start":64.13,"end":64.63,"sentiment":"neutral","sentiment_score":0.034286629408597946}],"sentiment":"neutral","sentiment_score":0.10189630021341145,"num_words":64,"start":43.945,"end":64.63},{"sentences":[{"text":"Perfect.","start":69.665,"end":70.065,"sentiment":"positive","sentiment_score":0.39670878648757935},{"text":"Thank you so much for that.","start":70.065,"end":71.765,"sentiment":"positive","sentiment_score":0.5018552343050638},{"text":"No.","start":82.29,"end":82.53001,"sentiment":"neutral","sentiment_score":-0.0459795743227005},{"text":"That's okay.","start":82.53001,"end":83.090004,"sentiment":"neutral","sentiment_score":-0.00860571302473545},{"text":"You take your time.","start":83.090004,"end":83.97,"sentiment":"neutral","sentiment_score":0.03394982032477856}],"sentiment":"neutral","sentiment_score":0.2486034623746361,"num_words":14,"start":69.665,"end":83.97},{"sentences":[{"text":"Honestly, it's not an issue at all.","start":83.97,"end":86.310005,"sentiment":"neutral","sentiment_score":-0.29656441509723663},{"text":"I'm so sorry.","start":90.93,"end":91.810005,"sentiment":"neutral","sentiment_score":-0.16118374466896057},{"text":"What was that?","start":91.810005,"end":92.71001,"sentiment":"neutral","sentiment_score":-0.13197621703147888},{"text":"Yeah.","start":96.215,"end":96.615,"sentiment":"neutral","sentiment_score":-0.022422701120376587},{"text":"Yeah.","start":96.615,"end":96.854996,"sentiment":"neutral","sentiment_score":-0.005143722519278526}],"sentiment":"neutral","sentiment_score":-0.198866480961442,"num_words":15,"start":83.97,"end":96.854996},{"sentences":[{"text":"Yeah.","start":96.854996,"end":97.175,"sentiment":"neutral","sentiment_score":0.026128211989998817},{"text":"Absolutely.","start":97.175,"end":97.675,"sentiment":"neutral","sentiment_score":0.09069236367940904},{"text":"I just said it's best if if you're able to open it up, and that way we can go through it together so you can see what I'm talking about.","start":97.895,"end":104.455,"sentiment":"neutral","sentiment_score":0.09156309279302756},{"text":"It kinda gives you a little bit more context, and and then you're able to ask questions as we're going through it.","start":104.455,"end":110.28,"sentiment":"neutral","sentiment_score":0.09259707633067261},{"text":"Take as I said, take things a little bit slower for you to make it easier.","start":110.28,"end":113.9,"sentiment":"neutral","sentiment_score":-0.07143409503623843}],"sentiment":"neutral","sentiment_score":0.05368433597364596,"num_words":70,"start":96.854996,"end":113.9},{"sentences":[{"text":"That's okay.","start":115.8,"end":116.700005,"sentiment":"positive","sentiment_score":0.33496329188346863},{"text":"That's okay.","start":126.105,"end":126.925,"sentiment":"neutral","sentiment_score":0.0888717994093895},{"text":"Did you want me to sort of yeah?","start":129.545,"end":132.205,"sentiment":"neutral","sentiment_score":0.03185084683354944},{"text":"That's okay.","start":133.145,"end":134.025,"sentiment":"positive","sentiment_score":0.36250390112400055},{"text":"All good.","start":134.025,"end":134.82,"sentiment":"positive","sentiment_score":0.6008284389972687}],"sentiment":"neutral","sentiment_score":0.18932135234354064,"num_words":16,"start":115.8,"end":134.82},{"sentences":[{"text":"Now you're looking at the statement of advice there prepared for yourself, Sharon Carey, as of the 08/20/2026.","start":135.14001,"end":142.20001,"sentiment":"neutral","sentiment_score":0.09295261609885427},{"text":"On the bottom of the first page, it has my authorized representative number.","start":143.22,"end":146.74,"sentiment":"neutral","sentiment_score":0.059567866990199454},{"text":"So I'm a licensed financial adviser through Affic, and my registration number is 1304394.","start":146.74,"end":152.765,"sentiment":"neutral","sentiment_score":0.06400678093944277},{"text":"Okay?","start":152.905,"end":153.405,"sentiment":"neutral","sentiment_score":0.05789889395236969},{"text":"Excellent.","start":154.825,"end":155.325,"sentiment":"positive","sentiment_score":0.47759002447128296}],"sentiment":"neutral","sentiment_score":0.08253432366442173,"num_words":47,"start":135.14001,"end":155.325},{"sentences":[{"text":"The next page, as you kinda just scroll down through, it has the best interest duty.","start":155.94499,"end":160.185,"sentiment":"neutral","sentiment_score":0.1095473871100694},{"text":"So this is making sure you're aware that any advice we do provide is done under the best interest, Judy.","start":160.185,"end":165.36,"sentiment":"neutral","sentiment_score":0.06611656900495291},{"text":"This is part of the corporation's act.","start":165.36,"end":167.12,"sentiment":"neutral","sentiment_score":0.07278253031628472},{"text":"So it's about making sure we understand enough information about you and yourself and your goals and your circumstances to be able to provide financial advice to help you work towards your financial goals.","start":167.12,"end":178.42,"sentiment":"neutral","sentiment_score":0.13984882612438762},{"text":"Okay?","start":179.74501,"end":180.065,"sentiment":"neutral","sentiment_score":0.06336471438407898}],"sentiment":"neutral","sentiment_score":0.10772810370112076,"num_words":78,"start":155.94499,"end":180.065},{"sentences":[{"text":"Excellent.","start":180.065,"end":180.565,"sentiment":"positive","sentiment_score":0.3511844873428345},{"text":"On pages number three and four and five, we have a yes.","start":181.74501,"end":188.225,"sentiment":"neutral","sentiment_score":0.13208493466178575},{"text":"It's called scoping in and out.","start":188.225,"end":190.565,"sentiment":"neutral","sentiment_score":0.11194911350806554},{"text":"So these are areas that we are considered are considering as part of the advice that we have superannuation and your insurances.","start":190.785,"end":198.37999,"sentiment":"neutral","sentiment_score":0.12338904426856474},{"text":"You've got life cover.","start":199.15999,"end":200.51999,"sentiment":"neutral","sentiment_score":0.18431911244988441}],"sentiment":"neutral","sentiment_score":0.13466075128979152,"num_words":45,"start":180.065,"end":200.51999},{"sentences":[{"text":"You are happy to keep that life cover.","start":200.51999,"end":202.62,"sentiment":"positive","sentiment_score":0.5514034815132618},{"text":"I have not made any changes to recommendations on that.","start":202.68,"end":205.31999,"sentiment":"neutral","sentiment_score":-0.07079381346702576},{"text":"It's just that because that is paid out of your super fund, we need to make sure we consider that as part of your projected outcome.","start":205.31999,"end":212.895,"sentiment":"neutral","sentiment_score":0.11764576787558886},{"text":"Okay?","start":213.115,"end":213.615,"sentiment":"neutral","sentiment_score":0.04716537147760391},{"text":"Excellent.","start":215.595,"end":215.99501,"sentiment":"positive","sentiment_score":0.42963337898254395}],"sentiment":"neutral","sentiment_score":0.1573669224491586,"num_words":46,"start":200.51999,"end":215.99501},{"sentences":[{"text":"We've got scoping the state planning.","start":215.99501,"end":217.755,"sentiment":"neutral","sentiment_score":0.20477557182312012},{"text":"So you are in the process of having your will and power of attorneys drafted up, and we talked about altering your beneficiary nominations so that your super and your life cover could be directed through to your will and form part of your state.","start":217.755,"end":231.9,"sentiment":"neutral","sentiment_score":0.22108367648389604},{"text":"That way, it sorta helps to limit the amount of tax payable by by your children in the event of a death claim.","start":231.9,"end":237.875,"sentiment":"neutral","sentiment_score":0.17455225178728934},{"text":"Okay.","start":238.25499,"end":238.75499,"sentiment":"neutral","sentiment_score":0.13983610272407532},{"text":"Excellent.","start":240.25499,"end":240.75499,"sentiment":"positive","sentiment_score":0.5054811239242554}],"sentiment":"neutral","sentiment_score":0.20838734066407932,"num_words":76,"start":215.99501,"end":240.75499},{"sentences":[{"text":"I've also slightly scoped in by a Social Security aspect.","start":240.97499,"end":244.415,"sentiment":"neutral","sentiment_score":0.18146541565656663},{"text":"So because you are wanting to access super at around about age 57, I've considered what these recommendations can do with the projected outcome, so what we're looking at over the next four to five years, but also factoring in when you get to that point, whether Social Security, whether the age pension is also gonna be a consideration, and how that might help your super.","start":244.415,"end":268.385,"sentiment":"neutral","sentiment_score":0.11546634019098499},{"text":"Okay.","start":268.60498,"end":269.10498,"sentiment":"neutral","sentiment_score":0.19190870225429535},{"text":"Excellent.","start":271.405,"end":271.905,"sentiment":"positive","sentiment_score":0.6498631238937378},{"text":"On page number five, we've got scoping out the areas that we're not looking at as part of the advice.","start":272.76498,"end":279.0,"sentiment":"neutral","sentiment_score":0.18768820762634278}],"sentiment":"neutral","sentiment_score":0.14317314885556698,"num_words":98,"start":240.97499,"end":279.0},{"sentences":[{"text":"And this is where we talked about that retirement side of things and the transition retirement strategy.","start":279.0,"end":283.9,"sentiment":"neutral","sentiment_score":0.16363831828622258},{"text":"We had that originally.","start":284.68002,"end":285.82,"sentiment":"neutral","sentiment_score":0.08581214398145676},{"text":"You and I just agreed to kind of push that back for a little bit.","start":286.04,"end":289.32,"sentiment":"neutral","sentiment_score":0.10112944145997366},{"text":"We'll come back in a few months and reassess that.","start":289.32,"end":291.88,"sentiment":"neutral","sentiment_score":0.14003673642873765},{"text":"We'll just start small and work on what we're doing now, and then we'll come back and deal with that and look at other strategies down the track for you.","start":291.88,"end":299.715,"sentiment":"neutral","sentiment_score":0.1915321116646131}],"sentiment":"neutral","sentiment_score":0.15511016214364454,"num_words":76,"start":279.0,"end":299.715},{"sentences":[{"text":"Does that all make sense?","start":299.715,"end":300.85498,"sentiment":"neutral","sentiment_score":0.14124127030372619},{"text":"Yep.","start":301.555,"end":302.055,"sentiment":"neutral","sentiment_score":0.07055075466632843},{"text":"Excellent.","start":302.995,"end":303.495,"sentiment":"neutral","sentiment_score":0.16851280629634857},{"text":"That's okay.","start":305.715,"end":306.615,"sentiment":"neutral","sentiment_score":0.033864653669297695},{"text":"Is it good?","start":308.55,"end":310.41,"sentiment":"neutral","sentiment_score":0.024135498329997063}],"sentiment":"neutral","sentiment_score":0.09045047623415788,"num_words":12,"start":299.715,"end":310.41},{"sentences":[{"text":"I'm currently on page number eight.","start":311.03,"end":313.53,"sentiment":"neutral","sentiment_score":-0.019227735387782257},{"text":"Yep.","start":315.66998,"end":316.16998,"sentiment":"neutral","sentiment_score":-0.022869061678647995},{"text":"That's okay.","start":317.35,"end":318.07,"sentiment":"neutral","sentiment_score":0.028823768254369497},{"text":"You're fine.","start":318.07,"end":318.97,"sentiment":"neutral","sentiment_score":0.06290840357542038},{"text":"Oh, beautiful.","start":329.765,"end":330.505,"sentiment":"positive","sentiment_score":0.3481873869895935}],"sentiment":"neutral","sentiment_score":0.057046434125648096,"num_words":13,"start":311.03,"end":330.505},{"sentences":[{"text":"A little bit bigger and bit easier to see.","start":330.565,"end":332.58502,"sentiment":"neutral","sentiment_score":0.14373699824015299},{"text":"That's okay.","start":338.1,"end":338.82,"sentiment":"neutral","sentiment_score":-0.044054639525711536},{"text":"You're absolutely you're fine.","start":338.82,"end":341.56,"sentiment":"neutral","sentiment_score":-0.10465918947011232},{"text":"It's all good.","start":342.18,"end":343.24,"sentiment":"neutral","sentiment_score":0.1492309793829918},{"text":"Not a problem at all.","start":346.02,"end":347.385,"sentiment":"neutral","sentiment_score":0.20001595318317414}],"sentiment":"neutral","sentiment_score":0.09715911527366741,"num_words":23,"start":330.565,"end":347.385},{"sentences":[{"text":"Down from sort of that page, page seven and eight onwards, you've got sort of a scoping of where your assets and liabilities are your current super balance and your life insurance noted down there.","start":348.345,"end":359.545,"sentiment":"neutral","sentiment_score":0.05424931943416596},{"text":"So that's all that we had noted as per our last conversation.","start":359.545,"end":362.81,"sentiment":"neutral","sentiment_score":0.0713970906411608},{"text":"So super balance is currently up to a 153,304 and 30¢, and you have about a hundred and twenty four thousand seven ninety three in life cover through a sender there.","start":363.03,"end":374.185,"sentiment":"neutral","sentiment_score":0.06833813513318697},{"text":"Okay.","start":374.405,"end":374.905,"sentiment":"neutral","sentiment_score":0.04931704327464104},{"text":"Page number nine is about the risk profiling.","start":376.88498,"end":379.305,"sentiment":"neutral","sentiment_score":0.014321279479190707}],"sentiment":"neutral","sentiment_score":0.0577851465231804,"num_words":87,"start":348.345,"end":379.305},{"sentences":[{"text":"So that was those questions we talked about where you're currently invested in a growth portfolio, which essentially sees 80% of your people invested in those growth assets.","start":379.44498,"end":388.94,"sentiment":"neutral","sentiment_score":0.038517058693936894},{"text":"When we reassess your risk profile and you had scored there as a balanced investor, but you are more comfortable stepping down the risk level in smaller increments.","start":389.56,"end":398.46002,"sentiment":"neutral","sentiment_score":0.06036775146744081},{"text":"So we agreed to start with a balanced growth environment and start to reduce risk slowly, so it's not such a big change there.","start":398.68,"end":406.405,"sentiment":"neutral","sentiment_score":0.12090525667493542},{"text":"Okay.","start":406.54498,"end":407.04498,"sentiment":"neutral","sentiment_score":0.06895552575588226},{"text":"Excellent.","start":408.705,"end":409.205,"sentiment":"positive","sentiment_score":0.4571725130081177}],"sentiment":"neutral","sentiment_score":0.07556864492050032,"num_words":82,"start":379.44498,"end":409.205},{"sentences":[{"text":"If you go down to page number 11, this is where the recommendations are essentially starting for you.","start":410.06497,"end":415.84497,"sentiment":"neutral","sentiment_score":0.2600749457875888},{"text":"Beautiful.","start":419.52002,"end":420.02002,"sentiment":"neutral","sentiment_score":0.29884451627731323},{"text":"Now this is basically stating that that we are recommending that you do retain your net wealth super account and that we look at switching the investment.","start":420.16,"end":427.62003,"sentiment":"neutral","sentiment_score":0.13391488514564656},{"text":"We're recommending you retain continue to have your super contributions directed into your NetWealth account, and I'll take you through the changes shortly.","start":428.215,"end":436.875,"sentiment":"neutral","sentiment_score":0.20464691584524902},{"text":"Essentially, this is just noting that we're changing the investments to reduce your risk level in the market.","start":437.335,"end":443.035,"sentiment":"neutral","sentiment_score":0.04276808578934935}],"sentiment":"neutral","sentiment_score":0.1617540235406366,"num_words":87,"start":410.06497,"end":443.035},{"sentences":[{"text":"So in that growth kind of environment you're in at the moment, it generally suits somewhere within approximate time frame of six years before accessing the super, and that's because having 80% invested in those growth assets like shares and e and exchange traded funds, like international exchange shares, you are taking a bit more risk in the market, and therefore, you are exposing yourself to more market ups and downs, especially as your balance continues.","start":443.095,"end":468.225,"sentiment":"neutral","sentiment_score":-0.05566759449184725},{"text":"Because you are 63 this year and wanting to access these around about age 67, you have a smaller time horizon.","start":469.325,"end":476.97,"sentiment":"neutral","sentiment_score":-0.09162556770302001},{"text":"So starting to reduce your risk in the market, and doing it at smaller increments means that we're stepping down gradually.","start":476.97,"end":484.03,"sentiment":"neutral","sentiment_score":-0.09232168857540403},{"text":"We're not making very large changes, but it's working towards protecting your capital.","start":484.16998,"end":489.735,"sentiment":"neutral","sentiment_score":-0.0934318034694745},{"text":"So as you reduce your risk level, you expect less market ups and downs that make you feel very nervous.","start":489.735,"end":495.895,"sentiment":"neutral","sentiment_score":-0.2796472631394863}],"sentiment":"neutral","sentiment_score":-0.09868336603390855,"num_words":151,"start":443.095,"end":495.895},{"sentences":[{"text":"Does that make sense?","start":495.895,"end":496.955,"sentiment":"neutral","sentiment_score":-0.07609176635742188},{"text":"Yep.","start":499.11,"end":499.43,"sentiment":"positive","sentiment_score":0.3503550887107849},{"text":"Beautiful.","start":499.43,"end":499.93,"sentiment":"positive","sentiment_score":0.7408509850502014},{"text":"Now I will get my team to send you a copy of this.","start":500.47,"end":503.99,"sentiment":"neutral","sentiment_score":0.3004001791660602},{"text":"It's a hard copy on Monday, so that should come in the post for you soon.","start":503.99,"end":508.16998,"sentiment":"neutral","sentiment_score":0.24647862371057272}],"sentiment":"neutral","sentiment_score":0.24673426619597844,"num_words":35,"start":495.895,"end":508.16998},{"sentences":[{"text":"That way you can kinda read through this.","start":509.27,"end":511.19,"sentiment":"neutral","sentiment_score":0.2150988969951868},{"text":"But I essentially have the best interest duty there, which outlines how this works in relation to your goal.","start":511.19,"end":517.375,"sentiment":"neutral","sentiment_score":0.1975581591066561},{"text":"It's relating the recommendations back to your goals, some why it is in your best interest to reduce your risk and alter the investments within there.","start":517.915,"end":525.51495,"sentiment":"neutral","sentiment_score":0.1745845194046314},{"text":"Okay?","start":525.51495,"end":526.01495,"sentiment":"neutral","sentiment_score":0.0767015740275383},{"text":"Excellent.","start":527.50995,"end":528.00995,"sentiment":"positive","sentiment_score":0.5547166466712952}],"sentiment":"neutral","sentiment_score":0.19354567134922201,"num_words":55,"start":509.27,"end":528.00995},{"sentences":[{"text":"To sort of show you what we're going to do, if you sort of move down for me to page number 18, this is the fee comparison table.","start":528.55,"end":538.00995,"sentiment":"neutral","sentiment_score":0.2029830544654812},{"text":"Yeah.","start":543.105,"end":543.605,"sentiment":"neutral","sentiment_score":0.10382623225450516},{"text":"Perfect.","start":552.385,"end":552.885,"sentiment":"positive","sentiment_score":0.4945644438266754},{"text":"So with this table, you'll see four columns there.","start":553.26,"end":556.38,"sentiment":"neutral","sentiment_score":0.1647591640551885},{"text":"The ones that we're focusing on are the current and recommended and differences column.","start":556.38,"end":560.88,"sentiment":"neutral","sentiment_score":0.11825213820806571}],"sentiment":"neutral","sentiment_score":0.17774110589668435,"num_words":53,"start":528.55,"end":560.88},{"sentences":[{"text":"So the current has your current balance at the top, and then we've also got underneath that the administration fees, investment fees, the ongoing service fee for us looking after and providing financial advice for you, the contributions going in, and your current insurance premium deducted there as well.","start":561.02,"end":577.795,"sentiment":"neutral","sentiment_score":0.12151718420945869},{"text":"Below that, we have the total cost of the fund, the total percentage weighted costing, and the investor profile, which is that growth environment.","start":578.735,"end":587.43,"sentiment":"neutral","sentiment_score":0.05899440823122859},{"text":"And then the five year rolling average is the very bottom, and that's essentially showing you with your current portfolio what this has averaged over the past five years.","start":588.05,"end":598.405,"sentiment":"neutral","sentiment_score":0.06520348530391167},{"text":"Being in that growth environment, this portfolio has averaged around about 10.72%.","start":599.025,"end":604.16504,"sentiment":"neutral","sentiment_score":0.03568165935575962},{"text":"What I'm recommending is that we retain your Netwealth super account but that we switch your investment.","start":604.705,"end":610.405,"sentiment":"neutral","sentiment_score":0.06701235275934725}],"sentiment":"neutral","sentiment_score":0.08266029623514823,"num_words":131,"start":561.02,"end":610.405},{"sentences":[{"text":"It does mean that there is a CGT impact for your super fund.","start":611.18,"end":614.94,"sentiment":"neutral","sentiment_score":0.056729437926640876},{"text":"So your super fund, just like you, does a tax return every year.","start":614.94,"end":618.64,"sentiment":"neutral","sentiment_score":0.08030573507914177},{"text":"And when I went back and looked at the cost, the super fund would have to account for for making the switch in the investment, is $511.","start":619.1,"end":627.185,"sentiment":"neutral","sentiment_score":0.049896677059155924},{"text":"So your super fund will pay a capital gains tax of $511 in order to make the switch in the investment.","start":627.485,"end":634.065,"sentiment":"neutral","sentiment_score":0.11186394379252479},{"text":"Retaining that's okay.","start":636.445,"end":638.94,"sentiment":"neutral","sentiment_score":0.24070519705613455}],"sentiment":"neutral","sentiment_score":0.08051851870758193,"num_words":77,"start":611.18,"end":638.94},{"sentences":[{"text":"Does that make sense so far?","start":638.94,"end":640.14,"sentiment":"neutral","sentiment_score":0.21662946293751398},{"text":"Do you have any questions at all?","start":640.14,"end":641.92,"sentiment":"neutral","sentiment_score":0.08617227843829564},{"text":"Mhmm.","start":644.3,"end":644.8,"sentiment":"neutral","sentiment_score":0.002294103614985943},{"text":"Excellent.","start":645.58,"end":646.08,"sentiment":"positive","sentiment_score":0.4821298122406006},{"text":"Underneath that recommended column, we start with a separate balance.","start":647.42,"end":650.955,"sentiment":"neutral","sentiment_score":0.0972956359386444}],"sentiment":"neutral","sentiment_score":0.13441452007740737,"num_words":25,"start":638.94,"end":650.955},{"sentences":[{"text":"So once we've taken away the CDT cost, we expect your super balance to be sitting at a $152,007.94.","start":650.955,"end":658.555,"sentiment":"neutral","sentiment_score":0.08726433674363714},{"text":"So that's the current balance minus the CDT impact for the switch.","start":658.555,"end":662.495,"sentiment":"neutral","sentiment_score":0.07563592586666346},{"text":"Underneath that, you've got your administration fees.","start":663.44995,"end":665.76996,"sentiment":"neutral","sentiment_score":0.05195209862930434},{"text":"Because we're retaining net wealth, there's no change to the super fund.","start":665.76996,"end":669.20996,"sentiment":"neutral","sentiment_score":0.0657948615650336},{"text":"The administration fees will stay the same.","start":669.20996,"end":671.63,"sentiment":"neutral","sentiment_score":0.07714680688721794}],"sentiment":"neutral","sentiment_score":0.07471726641973905,"num_words":57,"start":650.955,"end":671.63},{"sentences":[{"text":"But underneath that, you'll see the investment fee actually decreased.","start":672.41,"end":677.87,"sentiment":"neutral","sentiment_score":0.1689668230712414},{"text":"So the newer portfolio as a whole is actually cheaper than your current portfolio, and we should be able to save about $88 in investment fee.","start":678.46497,"end":687.985,"sentiment":"positive","sentiment_score":0.39570116710204345},{"text":"So that's less money being paid for investment fees and more money staying in your super fund working harder for you.","start":687.985,"end":694.04,"sentiment":"neutral","sentiment_score":0.3152211659720966},{"text":"Okay?","start":694.33997,"end":694.83997,"sentiment":"neutral","sentiment_score":0.07786788046360016},{"text":"Excellent.","start":696.1,"end":696.6,"sentiment":"positive","sentiment_score":0.405724823474884}],"sentiment":"neutral","sentiment_score":0.3234090807579331,"num_words":59,"start":672.41,"end":696.6},{"sentences":[{"text":"Our ongoing service fee does decrease a little bit there just because, obviously, the balance has decreased slightly.","start":697.54,"end":702.92,"sentiment":"neutral","sentiment_score":0.18747111037373543},{"text":"We do expect that to be about $32 cheaper.","start":703.22,"end":705.95996,"sentiment":"neutral","sentiment_score":0.23169453773233625},{"text":"Your contributions continue to go in at the same rate, and your insurance premiums, no change there either.","start":706.29504,"end":711.91504,"sentiment":"neutral","sentiment_score":0.2249235984765821},{"text":"Under yeah.","start":713.655,"end":715.11505,"sentiment":"neutral","sentiment_score":0.10246987640857697},{"text":"Underneath that, the investor profile, you've got your balance growth portfolio.","start":715.41504,"end":720.29,"sentiment":"neutral","sentiment_score":0.11233892698179591}],"sentiment":"neutral","sentiment_score":0.18877626807782158,"num_words":58,"start":697.54,"end":720.29},{"sentences":[{"text":"So this is reducing your risk level a little bit.","start":720.35,"end":723.01,"sentiment":"neutral","sentiment_score":0.16826194375753403},{"text":"And when we look at this balance growth portfolio, it's averaged about 10.02%.","start":723.15,"end":728.51,"sentiment":"neutral","sentiment_score":0.1694938838481903},{"text":"So it's almost kept up with that growth portfolio and is performing really, really well, but it's also reducing the risk level a little bit for you.","start":728.51,"end":736.47504,"sentiment":"neutral","sentiment_score":0.24796294641715508},{"text":"Okay?","start":736.47504,"end":736.97504,"sentiment":"neutral","sentiment_score":0.057192347943782806},{"text":"Excellent.","start":739.195,"end":739.695,"sentiment":"positive","sentiment_score":0.40872740745544434}],"sentiment":"neutral","sentiment_score":0.21244152377431208,"num_words":52,"start":720.35,"end":739.695},{"sentences":[{"text":"So it's only performed about 0.70% less than the current growth portfolio, which is quite good.","start":740.075,"end":746.49,"sentiment":"positive","sentiment_score":0.35256103333085775},{"text":"It's kept up fairly nicely.","start":746.73,"end":748.33,"sentiment":"positive","sentiment_score":0.49258283972740174},{"text":"It's providing good returns still, but it's also reducing your risk level, which is about protecting your capital.","start":748.33,"end":754.51,"sentiment":"positive","sentiment_score":0.3702231902215216},{"text":"Okay?","start":754.64996,"end":755.14996,"sentiment":"neutral","sentiment_score":0.09045929461717606},{"text":"We're on page 18.","start":761.765,"end":762.885,"sentiment":"neutral","sentiment_score":-0.020523264771327376}],"sentiment":"positive","sentiment_score":0.33582441798749973,"num_words":44,"start":740.075,"end":762.885},{"sentences":[{"text":"We're going down to 19 now.","start":762.885,"end":764.985,"sentiment":"neutral","sentiment_score":-0.018785115486631792},{"text":"Yep.","start":766.565,"end":767.065,"sentiment":"neutral","sentiment_score":0.03224834054708481},{"text":"That's okay.","start":768.645,"end":769.545,"sentiment":"neutral","sentiment_score":0.043198440223932266},{"text":"Yeah.","start":770.72504,"end":770.965,"sentiment":"neutral","sentiment_score":0.06875735521316528},{"text":"You're fine.","start":770.965,"end":771.865,"sentiment":"neutral","sentiment_score":0.11994766443967819}],"sentiment":"neutral","sentiment_score":0.026215601013973355,"num_words":12,"start":762.885,"end":771.865},{"sentences":[{"text":"Perfect.","start":778.58,"end":779.08,"sentiment":"neutral","sentiment_score":0.32383495569229126},{"text":"That's okay.","start":781.7,"end":782.5,"sentiment":"neutral","sentiment_score":0.2544856145977974},{"text":"That's alright.","start":782.5,"end":783.06,"sentiment":"neutral","sentiment_score":0.2075919434428215},{"text":"Just let me know when you're down on page number 19 there.","start":783.06,"end":786.44,"sentiment":"neutral","sentiment_score":0.05514514415214459},{"text":"Beautiful.","start":790.315,"end":790.815,"sentiment":"positive","sentiment_score":0.48536983132362366}],"sentiment":"neutral","sentiment_score":0.13306120182904932,"num_words":18,"start":778.58,"end":790.815},{"sentences":[{"text":"Now this is a projected balance.","start":790.875,"end":792.655,"sentiment":"neutral","sentiment_score":0.16885625198483467},{"text":"Essentially, this is taking all the information from that previous table and correlating it into a projection.","start":792.715,"end":798.575,"sentiment":"neutral","sentiment_score":0.13583767326439128},{"text":"So in the current portfolio, which is where you're taking more risk in that growth environment, if you stayed exactly where you are and the market was able to perform and provide that 10.70% over the next four to five years, you can essentially see where you're expected to end up.","start":798.875,"end":814.75,"sentiment":"neutral","sentiment_score":0.12957974881225942},{"text":"So with about 215,000 in four years or with about 200 and 34,000 in five years there.","start":814.75,"end":822.665,"sentiment":"neutral","sentiment_score":0.05415529275641722},{"text":"With the recommendations yeah.","start":822.665,"end":824.825,"sentiment":"neutral","sentiment_score":0.06949142273515463}],"sentiment":"neutral","sentiment_score":0.11715316646977475,"num_words":95,"start":790.875,"end":824.825},{"sentences":[{"text":"With the recommendations, we are reducing the risk level down to that balanced growth environment.","start":824.825,"end":829.245,"sentiment":"neutral","sentiment_score":0.08005160590012868},{"text":"So instead of having 80% in those higher risk investments, we only have 70% of your funds there.","start":829.385,"end":835.61,"sentiment":"neutral","sentiment_score":0.061130802871452436},{"text":"We know that the the expected average return is a little bit less, so we do know we expect the projection to be a little bit less as well.","start":835.75,"end":844.33,"sentiment":"neutral","sentiment_score":-0.0002373038180943198},{"text":"However, it's not too bad.","start":844.95,"end":846.39,"sentiment":"neutral","sentiment_score":-0.029487819224596024},{"text":"It's only showing over the next four to five years a difference of around 5 to 7,000 from your current.","start":846.39,"end":852.90497,"sentiment":"neutral","sentiment_score":0.031145398505032063}],"sentiment":"neutral","sentiment_score":0.031835811533804596,"num_words":87,"start":824.825,"end":852.90497},{"sentences":[{"text":"So that newer portfolio is reducing risk.","start":852.96497,"end":855.685,"sentiment":"neutral","sentiment_score":0.11117429605552129},{"text":"It's still providing a decent return, but we know it's it's expected to be less than where you would currently be if you kept and had that higher risk level.","start":855.685,"end":863.35,"sentiment":"neutral","sentiment_score":0.04861112677802642},{"text":"Does that make sense?","start":863.35,"end":864.53,"sentiment":"neutral","sentiment_score":-0.23585962690412998},{"text":"No.","start":867.31,"end":867.81,"sentiment":"neutral","sentiment_score":-0.16458866000175476},{"text":"Correct.","start":868.19,"end":868.69,"sentiment":"neutral","sentiment_score":-0.0524296872317791}],"sentiment":"neutral","sentiment_score":0.025025512113474136,"num_words":43,"start":852.96497,"end":868.69},{"sentences":[{"text":"Yes.","start":869.95,"end":870.45,"sentiment":"neutral","sentiment_score":0.03796261548995972},{"text":"Correct.","start":871.23,"end":871.73,"sentiment":"neutral","sentiment_score":0.104664146900177},{"text":"Correct.","start":871.79,"end":872.29,"sentiment":"positive","sentiment_score":0.3443162441253662},{"text":"It's keeping up really, really nicely.","start":872.59,"end":874.45,"sentiment":"positive","sentiment_score":0.5267808586359024},{"text":"The main thing that's important is that it is reducing your risk level for you.","start":874.51,"end":878.095,"sentiment":"neutral","sentiment_score":0.2279203196366628}],"sentiment":"neutral","sentiment_score":0.2944347063700358,"num_words":24,"start":869.95,"end":878.095},{"sentences":[{"text":"So we're starting to protect your capital a little bit.","start":878.095,"end":880.815,"sentiment":"neutral","sentiment_score":0.207712188269943},{"text":"We still know you're gonna feel those ups and downs, but not as as much as you would in that growth environment there.","start":880.815,"end":887.375,"sentiment":"neutral","sentiment_score":-0.1699920034278994},{"text":"Okay?","start":887.375,"end":887.875,"sentiment":"neutral","sentiment_score":-0.01507711224257946},{"text":"Yep.","start":890.01495,"end":890.37,"sentiment":"neutral","sentiment_score":0.257692813873291},{"text":"Beautiful.","start":890.93,"end":891.43,"sentiment":"positive","sentiment_score":0.628063440322876}],"sentiment":"neutral","sentiment_score":-0.026722640394129686,"num_words":36,"start":878.095,"end":891.43},{"sentences":[{"text":"Do you have any questions so far, Sharon?","start":891.65,"end":893.57,"sentiment":"neutral","sentiment_score":0.20019260793924332},{"text":"Does that make sense so far?","start":893.57,"end":895.02997,"sentiment":"neutral","sentiment_score":0.10656363641222318},{"text":"Well, super is currently tapped in certain ways.","start":906.88495,"end":910.665,"sentiment":"neutral","sentiment_score":-0.0003033340908586979},{"text":"So income within the accumulation phase, which is where you're at the moment.","start":910.88495,"end":915.20496,"sentiment":"neutral","sentiment_score":0.014186971462689914},{"text":"So before you retire with your super, you're in that accumulation phase because you're accumulating wealth.","start":915.20496,"end":920.665,"sentiment":"neutral","sentiment_score":0.01403689495055005}],"sentiment":"neutral","sentiment_score":0.05191209720557227,"num_words":51,"start":891.65,"end":920.665},{"sentences":[{"text":"Inside super, they do tax income at 15% and capital gain.","start":921.41,"end":928.13,"sentiment":"neutral","sentiment_score":0.031009295785968952},{"text":"So changes to investments are also kept inside super.","start":928.13,"end":931.75,"sentiment":"neutral","sentiment_score":0.06162996217608452},{"text":"If you withdraw super prior to the age of 60, there are taxation consequences if you meet those conditions of release.","start":931.97,"end":938.205,"sentiment":"neutral","sentiment_score":0.003336528493534951},{"text":"But at the moment, super as a whole, if you are over 60 and you're accessing super and you meet those conditions of release, it's fully tax free.","start":938.205,"end":947.665,"sentiment":"neutral","sentiment_score":0.0715802540736539},{"text":"I don't see how they could change anything with regards to that because, realistically, they want you to build super, and it's got it's gotta be benefits to having super.","start":948.3,"end":957.74,"sentiment":"neutral","sentiment_score":-0.18881205494205158}],"sentiment":"neutral","sentiment_score":-0.02721490426873318,"num_words":99,"start":921.41,"end":957.74},{"sentences":[{"text":"Otherwise, no one's gonna wanna use it.","start":957.74,"end":959.82,"sentiment":"neutral","sentiment_score":-0.15185567204441344},{"text":"So yeah.","start":959.82,"end":961.28,"sentiment":"neutral","sentiment_score":0.0007957965135574341},{"text":"But at the moment at the moment, that's not changing.","start":962.995,"end":966.695,"sentiment":"neutral","sentiment_score":-0.15283042415976525},{"text":"They would probably have to change a lot of the legislation to change a lot of those things.","start":966.995,"end":971.735,"sentiment":"neutral","sentiment_score":-0.15987478320797285},{"text":"I've heard Albo say quite a lot of different things than what he would like to do with Super.","start":971.955,"end":976.695,"sentiment":"neutral","sentiment_score":-0.09439837716911968}],"sentiment":"neutral","sentiment_score":-0.129661028872111,"num_words":56,"start":957.74,"end":976.695},{"sentences":[{"text":"But at the moment, there's nothing changing currently for you.","start":978.1,"end":982.18,"sentiment":"neutral","sentiment_score":-0.15854438990354539},{"text":"So yeah.","start":982.18,"end":983.16,"sentiment":"neutral","sentiment_score":0.0070634884759783745},{"text":"All good.","start":987.45996,"end":988.19995,"sentiment":"positive","sentiment_score":0.4724409580230713},{"text":"If you go down to page number 20 for me, this is the table showing the changes in the investment.","start":989.75494,"end":995.21497,"sentiment":"neutral","sentiment_score":0.029964448139071464},{"text":"Yep.","start":1003.19495,"end":1003.595,"sentiment":"neutral","sentiment_score":0.11163228005170822}],"sentiment":"neutral","sentiment_score":0.0024138924798795154,"num_words":35,"start":978.1,"end":1003.595},{"sentences":[{"text":"Beautiful.","start":1003.595,"end":1004.095,"sentiment":"positive","sentiment_score":0.4052688777446747},{"text":"So you'll see on the first column all the current investments that you do have within the super fund there, and then the the red the buy sell column, which is the red and the green, is essentially showing the changes that we'll make to your portfolio.","start":1004.69,"end":1017.75,"sentiment":"neutral","sentiment_score":0.13673175332394052},{"text":"So just going through them nice and easily for you, you've got physical gold in there at the moment.","start":1018.775,"end":1024.635,"sentiment":"neutral","sentiment_score":0.28374802752545003},{"text":"You've got about 7% there currently.","start":1025.095,"end":1027.335,"sentiment":"neutral","sentiment_score":0.0782101812462012},{"text":"We only wanna hold about so we wanna hold about 10% total, so we are gonna buy a little bit more physical gold for you.","start":1027.335,"end":1034.35,"sentiment":"neutral","sentiment_score":0.09971985444426537}],"sentiment":"neutral","sentiment_score":0.15495031893405378,"num_words":98,"start":1003.595,"end":1034.35},{"sentences":[{"text":"You've got about 33% of the the beta shares a 200.","start":1035.45,"end":1040.49,"sentiment":"neutral","sentiment_score":0.12324006178162315},{"text":"We wanna hold about 20% there, so we're going to sell some of that off to reduce the risk level or reduce some of those Australian equities.","start":1040.49,"end":1048.195,"sentiment":"neutral","sentiment_score":0.0438921408796752},{"text":"At the moment, you've got the Vanguard fixed interest investment.","start":1049.215,"end":1052.495,"sentiment":"neutral","sentiment_score":0.07087304070591927},{"text":"We are selling all of that down to zero.","start":1052.495,"end":1054.6549,"sentiment":"neutral","sentiment_score":0.07423893693420622},{"text":"We're gonna replace that in your portfolio.","start":1054.6549,"end":1056.995,"sentiment":"neutral","sentiment_score":0.13146030689988816}],"sentiment":"neutral","sentiment_score":0.07559111673617736,"num_words":64,"start":1035.45,"end":1056.995},{"sentences":[{"text":"You've also got their beta shares cybersecurity.","start":1058.68,"end":1061.18,"sentiment":"neutral","sentiment_score":0.1555528821689742},{"text":"You have about 5% currently.","start":1062.04,"end":1063.9801,"sentiment":"neutral","sentiment_score":0.14821891486644745},{"text":"We're gonna sell a little over 3,000 off and bring you back to 4% within the portfolio.","start":1064.2001,"end":1069.5,"sentiment":"neutral","sentiment_score":0.22011782053638906},{"text":"You've also got the iShares European exposure.","start":1071.0951,"end":1074.235,"sentiment":"neutral","sentiment_score":0.18040998492922103},{"text":"So this is giving you access to all the European countries.","start":1074.375,"end":1077.515,"sentiment":"neutral","sentiment_score":0.19925818253647198}],"sentiment":"neutral","sentiment_score":0.19205697023488105,"num_words":47,"start":1058.68,"end":1077.515},{"sentences":[{"text":"In your current portfolio, you had you have 4%.","start":1077.8151,"end":1081.355,"sentiment":"neutral","sentiment_score":0.12270110845565796},{"text":"We wanna hold about 7% there, so we're going to buy a bit more of that investment.","start":1081.735,"end":1086.3151,"sentiment":"neutral","sentiment_score":0.14286134041407528},{"text":"Okay?","start":1086.99,"end":1087.49,"sentiment":"neutral","sentiment_score":0.0857149064540863},{"text":"Yep.","start":1089.47,"end":1089.87,"sentiment":"neutral","sentiment_score":0.09811854362487792},{"text":"The next one down is also European exposure.","start":1089.87,"end":1092.6901,"sentiment":"neutral","sentiment_score":-0.012693324126303196}],"sentiment":"neutral","sentiment_score":0.10042332278357612,"num_words":36,"start":1077.8151,"end":1092.6901},{"sentences":[{"text":"You currently have 4% of that, and we don't want any of that.","start":1093.0701,"end":1096.43,"sentiment":"neutral","sentiment_score":-0.08973336635300747},{"text":"We're going to utilize the ICS European exposure because it's cheaper investment and it gives you greater diversification.","start":1096.43,"end":1102.655,"sentiment":"neutral","sentiment_score":0.17344561653832594},{"text":"So we're gonna sell all that ISA's MSCI European exposure.","start":1103.595,"end":1108.975,"sentiment":"neutral","sentiment_score":0.10502043887972831},{"text":"Okay.","start":1109.355,"end":1109.755,"sentiment":"neutral","sentiment_score":0.024204540997743607},{"text":"That'll go to zero.","start":1109.755,"end":1110.975,"sentiment":"neutral","sentiment_score":-0.06421651504933834}],"sentiment":"neutral","sentiment_score":0.060283265319531376,"num_words":46,"start":1093.0701,"end":1110.975},{"sentences":[{"text":"Yeah.","start":1116.15,"end":1116.39,"sentiment":"neutral","sentiment_score":-0.11262564361095428},{"text":"We are.","start":1116.39,"end":1117.13,"sentiment":"neutral","sentiment_score":-0.0883859395980835},{"text":"Yeah.","start":1117.59,"end":1117.83,"sentiment":"neutral","sentiment_score":-0.06601259857416153},{"text":"No.","start":1117.83,"end":1117.99,"sentiment":"neutral","sentiment_score":-0.3048936724662781},{"text":"It's not.","start":1117.99,"end":1118.47,"sentiment":"neutral","sentiment_score":-0.290648490190506}],"sentiment":"neutral","sentiment_score":-0.1773715391755104,"num_words":7,"start":1116.15,"end":1118.47},{"sentences":[{"text":"It's definitely not a silly question.","start":1118.47,"end":1120.09,"sentiment":"neutral","sentiment_score":-0.3017382075389226},{"text":"Absolutely.","start":1120.15,"end":1120.65,"sentiment":"neutral","sentiment_score":0.1477724313735962},{"text":"So, essentially, we start by doing all these, sell.","start":1121.35,"end":1124.8099,"sentiment":"neutral","sentiment_score":0.08835945361190373},{"text":"So all the red ones that are minusing, we sell all those off, and that, basically, green.","start":1125.11,"end":1137.3651,"sentiment":"neutral","sentiment_score":-0.16851196306593277},{"text":"So that money is being reinvested back into other investments for you.","start":1138.0651,"end":1144.5599,"sentiment":"neutral","sentiment_score":-0.0959030060718457}],"sentiment":"neutral","sentiment_score":-0.10851024836301804,"num_words":45,"start":1118.47,"end":1144.5599},{"sentences":[{"text":"Yeah.","start":1144.5599,"end":1145.0599,"sentiment":"neutral","sentiment_score":-0.008960636332631111},{"text":"Yeah.","start":1145.44,"end":1145.94,"sentiment":"neutral","sentiment_score":-0.01641726680099964},{"text":"That will be gone.","start":1160.6549,"end":1161.855,"sentiment":"neutral","sentiment_score":-0.23609237372875214},{"text":"And instead of that investment, we're gonna have the iShares core composite fund.","start":1161.855,"end":1166.43,"sentiment":"neutral","sentiment_score":0.013716842406071149},{"text":"So bonds like fixed interest, defensive assets, we're gonna hold 24% of bonds.","start":1167.39,"end":1174.29,"sentiment":"neutral","sentiment_score":0.04297962942375587}],"sentiment":"neutral","sentiment_score":-0.007271664508152753,"num_words":32,"start":1144.5599,"end":1174.29},{"sentences":[{"text":"Essentially, bonds are think of them like term deposits.","start":1174.8301,"end":1178.03,"sentiment":"neutral","sentiment_score":0.03594210702511999},{"text":"You put your money into a a bond, and you're getting income.","start":1178.03,"end":1182.5149,"sentiment":"neutral","sentiment_score":0.05191487337773045},{"text":"Yeah.","start":1183.695,"end":1184.195,"sentiment":"neutral","sentiment_score":0.07701802253723145},{"text":"Correct.","start":1184.2549,"end":1184.7549,"sentiment":"neutral","sentiment_score":0.12251618504524232},{"text":"Correct.","start":1184.815,"end":1185.315,"sentiment":"neutral","sentiment_score":0.15182389318943024}],"sentiment":"neutral","sentiment_score":0.054075647688781224,"num_words":24,"start":1174.8301,"end":1185.315},{"sentences":[{"text":"But these are also cheaper investments and have performed greater over the past.","start":1185.455,"end":1189.375,"sentiment":"neutral","sentiment_score":0.2524365587876393},{"text":"So it's all part of kind of readjusting your portfolio and moving money into other areas where we've seen greater growth, but also other protections there.","start":1189.375,"end":1198.49,"sentiment":"neutral","sentiment_score":0.14056441445763296},{"text":"So we are still kicking those defensive assets.","start":1198.71,"end":1201.11,"sentiment":"neutral","sentiment_score":-0.06847075186669827},{"text":"We're just moving the money into something else.","start":1201.11,"end":1203.5099,"sentiment":"neutral","sentiment_score":-0.044767385348677635},{"text":"So the core composite funds at the bottom, that will replace the Vanguard fixed interest investment.","start":1203.5099,"end":1209.21,"sentiment":"neutral","sentiment_score":0.07481700601056218}],"sentiment":"neutral","sentiment_score":0.10179601462794022,"num_words":71,"start":1185.455,"end":1209.21},{"sentences":[{"text":"You did only hold 9% in Vanguard fixed interest.","start":1209.855,"end":1212.975,"sentiment":"neutral","sentiment_score":0.08464397841857539},{"text":"We're actually gonna hold 24% in core composite funds because we're increasing the amount of defensive assets you have as well.","start":1212.975,"end":1219.955,"sentiment":"neutral","sentiment_score":0.23576088675430842},{"text":"Okay.","start":1220.095,"end":1220.595,"sentiment":"neutral","sentiment_score":0.2519194483757019},{"text":"Yes.","start":1223.215,"end":1223.64,"sentiment":"neutral","sentiment_score":0.07650253176689148},{"text":"Yes.","start":1223.96,"end":1224.46,"sentiment":"neutral","sentiment_score":0.05589660257101059}],"sentiment":"neutral","sentiment_score":0.18476039425215937,"num_words":33,"start":1209.855,"end":1224.46},{"sentences":[{"text":"Yep.","start":1224.92,"end":1225.42,"sentiment":"neutral","sentiment_score":0.07564797252416611},{"text":"Yeah.","start":1227.3201,"end":1227.8201,"sentiment":"neutral","sentiment_score":0.2225253134965897},{"text":"Excellent.","start":1228.4401,"end":1228.9401,"sentiment":"positive","sentiment_score":0.3614949584007263},{"text":"With the the European the the MSCI Europe, we're removing all of that because we're gonna have more of the iShares Europe investment, which is actually cheaper.","start":1229.96,"end":1239.18,"sentiment":"neutral","sentiment_score":0.05703825965799667},{"text":"So we're replacing that.","start":1239.495,"end":1240.695,"sentiment":"neutral","sentiment_score":0.031832325737923384}],"sentiment":"neutral","sentiment_score":0.06844207523938488,"num_words":34,"start":1224.92,"end":1240.695},{"sentences":[{"text":"You don't wanna have two European investments.","start":1240.695,"end":1242.715,"sentiment":"neutral","sentiment_score":-0.06238869417990957},{"text":"Dreamlining and having one does make it cheaper and better for you.","start":1243.015,"end":1246.935,"sentiment":"neutral","sentiment_score":0.21145460506280264},{"text":"And this iShares Europe investment gives you exposure to all of the European countries, not just one or two.","start":1246.935,"end":1252.955,"sentiment":"neutral","sentiment_score":0.11600630093169839},{"text":"Okay?","start":1253.015,"end":1253.515,"sentiment":"neutral","sentiment_score":0.06551986187696457},{"text":"Yep.","start":1254.295,"end":1254.795,"sentiment":"neutral","sentiment_score":0.18017655611038208}],"sentiment":"neutral","sentiment_score":0.11376376342959701,"num_words":40,"start":1240.695,"end":1254.795},{"sentences":[{"text":"We've also got the iShares MSC Isomitsky Japan in there.","start":1255.64,"end":1260.2,"sentiment":"neutral","sentiment_score":0.12034442648291588},{"text":"You currently hold 4%.","start":1260.2,"end":1261.96,"sentiment":"neutral","sentiment_score":0.07015473395586014},{"text":"We're reducing your weighting to 3%.","start":1261.96,"end":1264.44,"sentiment":"neutral","sentiment_score":0.07268608796099822},{"text":"So we're just gonna sell off $1,624.86.","start":1264.44,"end":1268.9199,"sentiment":"neutral","sentiment_score":0.058201572724751065},{"text":"It's reducing your exposure.","start":1268.9199,"end":1270.46,"sentiment":"neutral","sentiment_score":0.0321635352447629}],"sentiment":"neutral","sentiment_score":0.07923370575712572,"num_words":31,"start":1255.64,"end":1270.46},{"sentences":[{"text":"Yep.","start":1271.6151,"end":1272.1151,"sentiment":"neutral","sentiment_score":0.14176598191261292},{"text":"The S and P 500, the iShares S and P 500, that is exposed into the top 500 companies on The US market.","start":1272.9751,"end":1281.155,"sentiment":"neutral","sentiment_score":0.07770699635148048},{"text":"You currently have 26.14% in there.","start":1281.775,"end":1285.2151,"sentiment":"neutral","sentiment_score":0.053643173848589264},{"text":"We only or we wanna hold 25% total, so it means we're gonna sell off a little over 2,000 to reduce your exposure into that investment there.","start":1285.2151,"end":1294.0,"sentiment":"neutral","sentiment_score":0.08231343025410617},{"text":"Okay?","start":1294.0,"end":1294.5,"sentiment":"neutral","sentiment_score":0.07430799305438995}],"sentiment":"neutral","sentiment_score":0.07840787156902511,"num_words":58,"start":1271.6151,"end":1294.5},{"sentences":[{"text":"Excellent.","start":1296.4,"end":1296.88,"sentiment":"positive","sentiment_score":0.6531927585601807},{"text":"And then you've got the Vanguard All World x US investment.","start":1296.88,"end":1300.5651,"sentiment":"neutral","sentiment_score":0.25686146318912506},{"text":"This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there.","start":1300.5651,"end":1308.105,"sentiment":"neutral","sentiment_score":0.13064886840141338},{"text":"So you don't hold any of that at the moment.","start":1308.805,"end":1311.045,"sentiment":"neutral","sentiment_score":-0.032639689510688186},{"text":"One of the big things about reducing risk is diversifying across the globe, and this investment does that.","start":1311.045,"end":1316.9,"sentiment":"neutral","sentiment_score":0.201467864215374}],"sentiment":"neutral","sentiment_score":0.15529551567687166,"num_words":63,"start":1296.4,"end":1316.9},{"sentences":[{"text":"So we wanna hold about 7% in your portfolio, which means we're gonna buy about $10,588 of that investment.","start":1317.2799,"end":1325.14,"sentiment":"neutral","sentiment_score":0.15252813775288432},{"text":"Okay?","start":1325.6,"end":1326.1,"sentiment":"neutral","sentiment_score":0.07494515925645828},{"text":"Yep.","start":1327.905,"end":1328.385,"sentiment":"neutral","sentiment_score":0.124226413667202},{"text":"And then you've got the core composite bonds.","start":1328.385,"end":1330.705,"sentiment":"neutral","sentiment_score":0.11909170914441347},{"text":"24 of the holding will be added to your portfolio, and that is to replace the fixed interest component within your portfolio.","start":1330.705,"end":1337.6849,"sentiment":"neutral","sentiment_score":0.10965126498856327}],"sentiment":"neutral","sentiment_score":0.12671113123788552,"num_words":51,"start":1317.2799,"end":1337.6849},{"sentences":[{"text":"Okay.","start":1340.86,"end":1341.02,"sentiment":"neutral","sentiment_score":0.22369404137134552},{"text":"Beautiful.","start":1341.02,"end":1341.52,"sentiment":"positive","sentiment_score":0.5963104367256165},{"text":"Does that make sense?","start":1341.5801,"end":1342.54,"sentiment":"neutral","sentiment_score":0.2474564127624035},{"text":"Do you have any questions about that table at all?","start":1342.54,"end":1345.28,"sentiment":"neutral","sentiment_score":0.06180846244096756},{"text":"That's okay?","start":1348.3,"end":1349.2001,"sentiment":"neutral","sentiment_score":-0.138564120978117}],"sentiment":"neutral","sentiment_score":0.11948813953333431,"num_words":18,"start":1340.86,"end":1349.2001},{"sentences":[{"text":"Yep.","start":1349.42,"end":1349.92,"sentiment":"neutral","sentiment_score":0.16504669189453125},{"text":"Beautiful.","start":1349.98,"end":1350.48,"sentiment":"positive","sentiment_score":0.4809454679489136},{"text":"If you look at the last column of that table, the target weighting, that essentially shows what you're gonna see in your portfolio at the end of it.","start":1350.965,"end":1359.125,"sentiment":"neutral","sentiment_score":0.13685760686972312},{"text":"So based on the balance, we would expect to have about 15,000 in physical gold, 30,000 in the Australian 200, the top 200 companies on the Australian AOSX, a little over 6,000 in cybersecurity, a bit over 10,000 in the European exposure, a bit over 4,000 in the Japanese exposure, a bit over 37,000 in the S and P 500 for the American market.","start":1359.125,"end":1386.885,"sentiment":"neutral","sentiment_score":0.057172958680894226},{"text":"The all world, a bit over 10,000 there, and then 36,000 a little over in the in the bonds and the defensive component for you.","start":1387.6649,"end":1396.17,"sentiment":"neutral","sentiment_score":0.059014867693185806}],"sentiment":"neutral","sentiment_score":0.08077685882439133,"num_words":119,"start":1349.42,"end":1396.17},{"sentences":[{"text":"Okay.","start":1396.4701,"end":1396.9701,"sentiment":"neutral","sentiment_score":0.013155413791537285},{"text":"That's the very last column of that same table we were just going through.","start":1400.31,"end":1404.17,"sentiment":"neutral","sentiment_score":0.006481037695526278},{"text":"Yep.","start":1406.31,"end":1406.715,"sentiment":"neutral","sentiment_score":0.11871501058340073},{"text":"Yep.","start":1406.955,"end":1407.455,"sentiment":"neutral","sentiment_score":0.25473853945732117},{"text":"Beautiful.","start":1407.6749,"end":1408.1749,"sentiment":"positive","sentiment_score":0.5800631046295166}],"sentiment":"neutral","sentiment_score":0.05874481089995243,"num_words":18,"start":1396.4701,"end":1408.1749},{"sentences":[{"text":"Excellent.","start":1408.5549,"end":1409.0549,"sentiment":"positive","sentiment_score":0.6101441979408264},{"text":"Do you have any questions?","start":1409.115,"end":1410.1549,"sentiment":"neutral","sentiment_score":0.29401451349258423},{"text":"Does that all make sense so far?","start":1410.1549,"end":1411.9349,"sentiment":"neutral","sentiment_score":0.19571151903697423},{"text":"That's okay.","start":1416.715,"end":1417.5349,"sentiment":"neutral","sentiment_score":0.132017333060503},{"text":"Are there any questions that come up?","start":1417.755,"end":1419.275,"sentiment":"neutral","sentiment_score":0.030400172674230168}],"sentiment":"neutral","sentiment_score":0.1785015124319629,"num_words":22,"start":1408.5549,"end":1419.275},{"sentences":[{"text":"Well, there's no such thing as a silly question.","start":1419.275,"end":1421.4349,"sentiment":"neutral","sentiment_score":-0.16050622281101015},{"text":"So is there any questions that have come up that you kind of wanted to have answered?","start":1421.4349,"end":1425.66,"sentiment":"neutral","sentiment_score":-0.03585719339111272},{"text":"Or no.","start":1428.68,"end":1429.26,"sentiment":"neutral","sentiment_score":-0.22677277773618698},{"text":"That's okay.","start":1429.32,"end":1430.22,"sentiment":"neutral","sentiment_score":-0.09075102489441633},{"text":"That's okay.","start":1430.4401,"end":1432.38,"sentiment":"neutral","sentiment_score":0.011806267313659191}],"sentiment":"neutral","sentiment_score":-0.08329885511193424,"num_words":32,"start":1419.275,"end":1432.38},{"sentences":[{"text":"On the next page, on page number 21 sorry.","start":1433.16,"end":1437.18,"sentiment":"neutral","sentiment_score":-0.017477470864024427},{"text":"This is showing the amount of cash.","start":1438.4249,"end":1440.105,"sentiment":"neutral","sentiment_score":-0.027485964553696767},{"text":"So all funds need to have a a cash component.","start":1440.105,"end":1443.5449,"sentiment":"neutral","sentiment_score":-0.028301339596509933},{"text":"There's some money that's held in cash.","start":1443.5449,"end":1445.405,"sentiment":"neutral","sentiment_score":-0.017552599576967105},{"text":"This shows that at the moment, you've got 3.84% in cash, which means you're currently holding $5,886 in cash.","start":1445.785,"end":1454.4701,"sentiment":"neutral","sentiment_score":-0.010806323200660316}],"sentiment":"neutral","sentiment_score":-0.01847886006670216,"num_words":52,"start":1433.16,"end":1454.4701},{"sentences":[{"text":"We only wanna hold 1% cash, which is a bit over $1,500 there.","start":1455.01,"end":1460.29,"sentiment":"neutral","sentiment_score":-0.00481877547617142},{"text":"So we're gonna take the $4,353 of your cash and have that invested in a table above as well.","start":1460.29,"end":1468.995,"sentiment":"neutral","sentiment_score":0.042658972798993715},{"text":"Okay?","start":1469.0549,"end":1469.5549,"sentiment":"neutral","sentiment_score":0.027562035247683525},{"text":"Yep.","start":1471.775,"end":1472.255,"sentiment":"neutral","sentiment_score":0.06185588985681534},{"text":"That makes sense.","start":1472.255,"end":1473.235,"sentiment":"neutral","sentiment_score":0.1308190474907557}],"sentiment":"neutral","sentiment_score":0.033236526204524816,"num_words":37,"start":1455.01,"end":1473.235},{"sentences":[{"text":"Yep.","start":1475.375,"end":1475.875,"sentiment":"neutral","sentiment_score":0.0019483336945995688},{"text":"That's the total balance.","start":1480.9701,"end":1482.41,"sentiment":"neutral","sentiment_score":-0.05160412471741438},{"text":"Yeah.","start":1482.41,"end":1482.65,"sentiment":"neutral","sentiment_score":0.0036856215447187424},{"text":"That's the cash component plus the investments above in the other table we went through.","start":1482.65,"end":1487.6901,"sentiment":"neutral","sentiment_score":0.018299461901187898},{"text":"Yeah.","start":1487.6901,"end":1488.1901,"sentiment":"neutral","sentiment_score":0.017909027636051178}],"sentiment":"neutral","sentiment_score":0.00416447329652411,"num_words":22,"start":1475.375,"end":1488.1901},{"sentences":[{"text":"That's what you will have in the sleeper after the change.","start":1492.325,"end":1494.885,"sentiment":"neutral","sentiment_score":-0.030086399818008595},{"text":"Yes.","start":1494.885,"end":1495.285,"sentiment":"neutral","sentiment_score":0.09896652400493622},{"text":"Correct.","start":1495.285,"end":1495.785,"sentiment":"neutral","sentiment_score":0.112081378698349},{"text":"Does that make sense?","start":1500.805,"end":1501.845,"sentiment":"neutral","sentiment_score":0.17859364673495293},{"text":"If it doesn't, please let me know.","start":1501.845,"end":1503.705,"sentiment":"neutral","sentiment_score":0.0007487325263874869}],"sentiment":"neutral","sentiment_score":0.024988050805404782,"num_words":24,"start":1492.325,"end":1503.705},{"sentences":[{"text":"Yeah.","start":1508.05,"end":1508.13,"sentiment":"neutral","sentiment_score":0.04875025153160095},{"text":"Yeah.","start":1508.13,"end":1508.53,"sentiment":"neutral","sentiment_score":0.09174003452062608},{"text":"No.","start":1508.53,"end":1508.77,"sentiment":"neutral","sentiment_score":0.03862890228629112},{"text":"That's absolutely fine.","start":1508.77,"end":1510.31,"sentiment":"neutral","sentiment_score":0.17710674305756888},{"text":"So, essentially, your balance at the moment is 153,304.","start":1510.4501,"end":1515.8301,"sentiment":"neutral","sentiment_score":0.07386708714895779}],"sentiment":"neutral","sentiment_score":0.09168288012345632,"num_words":15,"start":1508.05,"end":1515.8301},{"sentences":[{"text":"After we make the switch and change those investments as per that table there, you'll end up with a 152,794.","start":1515.9701,"end":1524.615,"sentiment":"neutral","sentiment_score":0.06078313393518329},{"text":"So that's after the capital gains consequence for switching or changing the investments has gone into play.","start":1524.615,"end":1531.995,"sentiment":"neutral","sentiment_score":0.05304700530627195},{"text":"And that is that $1.52 $7.09 8 that you see on the cash total, that is the total of the $1,500 in cash that we will have left in your cash account, plus the total investments from the table above once we've made that change.","start":1532.4299,"end":1550.725,"sentiment":"neutral","sentiment_score":0.07295737444526619},{"text":"Does that make sense?","start":1550.725,"end":1551.865,"sentiment":"neutral","sentiment_score":0.06685938593000174},{"text":"Yes.","start":1553.365,"end":1553.865,"sentiment":"neutral","sentiment_score":0.10985450446605682}],"sentiment":"neutral","sentiment_score":0.06641190421992335,"num_words":87,"start":1515.9701,"end":1553.865},{"sentences":[{"text":"Yep.","start":1554.1649,"end":1554.6649,"sentiment":"neutral","sentiment_score":0.11101658642292024},{"text":"Excellent.","start":1556.725,"end":1557.225,"sentiment":"positive","sentiment_score":0.46438923478126526},{"text":"All good.","start":1558.085,"end":1558.825,"sentiment":"positive","sentiment_score":0.5331408977508545},{"text":"Perfect.","start":1559.4299,"end":1559.9299,"sentiment":"positive","sentiment_score":0.432912677526474},{"text":"Now if you go down to the next page for me, you've got the asset allocation.","start":1559.99,"end":1563.9299,"sentiment":"neutral","sentiment_score":0.1185727259144187}],"sentiment":"neutral","sentiment_score":0.18913161470776513,"num_words":21,"start":1554.1649,"end":1563.9299},{"sentences":[{"text":"Beautiful.","start":1567.9099,"end":1568.4099,"sentiment":"neutral","sentiment_score":0.3220052421092987},{"text":"Now this is just showing you essentially what the changes will look like.","start":1568.95,"end":1572.5499,"sentiment":"neutral","sentiment_score":0.11234055402187201},{"text":"So if we're we're just looking at you've got four or five columns, the asset allocation, risk profile, existing, proposed, and varied.","start":1572.5499,"end":1581.145,"sentiment":"neutral","sentiment_score":0.05121874673800035},{"text":"I'm just sort of looking at the the risk profile, the existing, and the proposed, so the middle three column.","start":1582.005,"end":1587.865,"sentiment":"neutral","sentiment_score":0.046225258335471156},{"text":"If you look at the growth total and the defensive total, these are the highlights in bold columns.","start":1588.41,"end":1594.5901,"sentiment":"neutral","sentiment_score":0.052334490335649915}],"sentiment":"neutral","sentiment_score":0.06453744412676708,"num_words":74,"start":1567.9099,"end":1594.5901},{"sentences":[{"text":"Your risk profile as a balanced growth investor would see about 70% in growth investments, which are these sorts of things here.","start":1595.13,"end":1603.575,"sentiment":"neutral","sentiment_score":0.04848077215931632},{"text":"It's alternative growth assets, property, international equities, and Australian equities there.","start":1603.975,"end":1610.075,"sentiment":"neutral","sentiment_score":0.05676320804791017},{"text":"And then the other 30% would be in defensive lower risk investments like cash, bonds, and fixed interest, essentially.","start":1610.455,"end":1617.995,"sentiment":"neutral","sentiment_score":0.06595170105758466},{"text":"In your existing growth yeah.","start":1619.07,"end":1621.95,"sentiment":"neutral","sentiment_score":0.038303953409194944},{"text":"In your existing growth portfolio, you're currently weighted at 87% so 87.08% in those growth investments and 12.92% in defensive investments.","start":1621.95,"end":1635.205,"sentiment":"neutral","sentiment_score":0.02410232767994915}],"sentiment":"neutral","sentiment_score":0.04668875954424342,"num_words":78,"start":1595.13,"end":1635.205},{"sentences":[{"text":"By making the changes in this document, we can see you reduce your growth assets to 76%.","start":1635.905,"end":1643.505,"sentiment":"neutral","sentiment_score":0.03748797285644447},{"text":"That's reducing how much you have in those higher risk investments and then increasing the defensive component to 24%.","start":1643.505,"end":1652.0801,"sentiment":"neutral","sentiment_score":0.019086040360362905},{"text":"Does that make sense?","start":1652.0801,"end":1653.06,"sentiment":"neutral","sentiment_score":0.05332017224282026},{"text":"Yes.","start":1655.4401,"end":1655.92,"sentiment":"neutral","sentiment_score":0.12867440283298492},{"text":"Beautiful.","start":1655.92,"end":1656.42,"sentiment":"positive","sentiment_score":0.5474565029144287}],"sentiment":"neutral","sentiment_score":0.04498433095536062,"num_words":42,"start":1635.905,"end":1656.42},{"sentences":[{"text":"And the various column, the 6% there, that's essentially saying that from the expected risk profile of 70%, you're gonna have 76% in growth asset.","start":1657.36,"end":1668.825,"sentiment":"neutral","sentiment_score":0.1676229616999626},{"text":"So it's it's adding 6% in.","start":1668.825,"end":1671.405,"sentiment":"neutral","sentiment_score":0.10944723586241405},{"text":"And with the defensive component, it's basically subtracting 6% from where the 30% would be.","start":1671.625,"end":1678.08,"sentiment":"neutral","sentiment_score":0.046679030855496725},{"text":"Does that make sense?","start":1678.08,"end":1679.14,"sentiment":"neutral","sentiment_score":0.049376657232642174},{"text":"Yes.","start":1682.48,"end":1682.98,"sentiment":"neutral","sentiment_score":0.1620309203863144}],"sentiment":"neutral","sentiment_score":0.11582314646711536,"num_words":51,"start":1657.36,"end":1682.98},{"sentences":[{"text":"Beautiful.","start":1683.0399,"end":1683.5399,"sentiment":"positive","sentiment_score":0.4958719611167908},{"text":"Excellent.","start":1684.0,"end":1684.5,"sentiment":"positive","sentiment_score":0.5853149890899658},{"text":"Excellent.","start":1684.96,"end":1685.46,"sentiment":"positive","sentiment_score":0.5342142581939697},{"text":"If you go down to the next page for me, we've got the return and projected out outcome there.","start":1686.32,"end":1690.515,"sentiment":"neutral","sentiment_score":0.19791240362744583},{"text":"So this is sort of showing based on your current circumstances, when you get to the age of 67 and fully retire, this is the projected outcome that we would see based on your current recommendation?","start":1690.515,"end":1704.32,"sentiment":"neutral","sentiment_score":0.08384375657058424}],"sentiment":"neutral","sentiment_score":0.14472607092867637,"num_words":58,"start":1683.0399,"end":1704.32},{"sentences":[{"text":"Beautiful.","start":1707.26,"end":1707.76,"sentiment":"neutral","sentiment_score":0.3054905831813812},{"text":"So your goal target income was to earn about 57,200 on a yearly basis from Super and also from a pension if possible there as well.","start":1707.9,"end":1718.7999,"sentiment":"neutral","sentiment_score":0.14581920894292685},{"text":"With the recommendations, it is important to be reducing risk as you get closer to accessing super because you don't wanna go into those time years seeing very heavy market fluctuations.","start":1719.165,"end":1728.785,"sentiment":"neutral","sentiment_score":0.04290651962641747},{"text":"But based on the recommendations and the projected outcome, if you then retire at age 67 based on, you know, current current assets, your super, and the possibility of age pension, we can see that you're eligible for a pension there, And then supplementing a little bit of your super from that as well.","start":1730.525,"end":1749.885,"sentiment":"neutral","sentiment_score":0.08507775225573116},{"text":"Be expected to get your super lasting till around about age 91.","start":1750.505,"end":1755.645,"sentiment":"neutral","sentiment_score":0.07469602301716805}],"sentiment":"neutral","sentiment_score":0.08804389533977355,"num_words":124,"start":1707.26,"end":1755.645},{"sentences":[{"text":"You would be able to draw about 50533.","start":1756.265,"end":1760.345,"sentiment":"neutral","sentiment_score":0.006831323262304068},{"text":"So it doesn't quite meet your target goal.","start":1760.345,"end":1763.15,"sentiment":"neutral","sentiment_score":-0.19782173074781895},{"text":"It's essentially saying you'd be living on about $6,667 less than what you wanted to earn in retirement to make that last longer.","start":1763.37,"end":1773.31,"sentiment":"neutral","sentiment_score":-0.004855119339797808},{"text":"When you get to retirement, you it doesn't mean you can draw down the amount you need to live on, but your super won't last as long as what is expected.","start":1774.3301,"end":1783.715,"sentiment":"neutral","sentiment_score":-0.0050152301471004445},{"text":"So this is sort of showing you in order to get your super to last as long as possible to age maybe 91, this is essentially the target income you'd be able to draw down.","start":1784.735,"end":1794.99,"sentiment":"neutral","sentiment_score":0.2094954279916627}],"sentiment":"neutral","sentiment_score":0.052735969909034404,"num_words":105,"start":1756.265,"end":1794.99},{"sentences":[{"text":"So, realistically, this is not quite meeting your goal yet, but we're not quite there.","start":1795.2899,"end":1800.57,"sentiment":"neutral","sentiment_score":-0.18698599127431711},{"text":"We've got a bit of time ahead of us.","start":1800.57,"end":1802.49,"sentiment":"neutral","sentiment_score":-0.18427205085754395},{"text":"So we can still look at the PCR option down the track.","start":1802.49,"end":1806.865,"sentiment":"neutral","sentiment_score":0.1521067824214697},{"text":"We can also look at increasing contributions down the track to kinda help provide that boost, and it also depends upon market return.","start":1806.865,"end":1814.645,"sentiment":"neutral","sentiment_score":0.22978073941624683},{"text":"So we've averaged in the projection table about a 10.07% return currently.","start":1814.785,"end":1821.01,"sentiment":"neutral","sentiment_score":0.13692150761683783}],"sentiment":"neutral","sentiment_score":0.06042335436902416,"num_words":71,"start":1795.2899,"end":1821.01},{"sentences":[{"text":"However, the market could perform better, which could provide a greater amount of growth to your super.","start":1821.9501,"end":1826.9901,"sentiment":"positive","sentiment_score":0.3724760492058361},{"text":"So we just need to reevaluate it, keep looking at things, and working longer towards, you know, what we do.","start":1826.9901,"end":1833.8551,"sentiment":"neutral","sentiment_score":0.11469558011740447},{"text":"And then when you get to, you know, the age where you actually wanna retire, then we reassess this again and look at what the expectation is based on your balance at that time.","start":1834.395,"end":1844.21,"sentiment":"neutral","sentiment_score":0.07530653465758352},{"text":"So this is just giving you an idea of the projected outcome.","start":1844.21,"end":1847.49,"sentiment":"neutral","sentiment_score":0.13305380567908287},{"text":"It's not a definite.","start":1847.49,"end":1848.63,"sentiment":"neutral","sentiment_score":-0.12198208086192608}],"sentiment":"neutral","sentiment_score":0.14132349381501647,"num_words":87,"start":1821.9501,"end":1848.63},{"sentences":[{"text":"It's saying based on what we know, what we have, this is where we're tracking for.","start":1848.6901,"end":1852.9501,"sentiment":"neutral","sentiment_score":-0.026306768006179482},{"text":"Now correct.","start":1853.89,"end":1854.9501,"sentiment":"neutral","sentiment_score":0.1651996225118637},{"text":"But it can definitely change in the future there.","start":1855.25,"end":1857.97,"sentiment":"neutral","sentiment_score":0.17168164087666404},{"text":"Does that make sense?","start":1857.97,"end":1859.055,"sentiment":"neutral","sentiment_score":0.0942945834249258},{"text":"Mhmm.","start":1866.175,"end":1866.675,"sentiment":"neutral","sentiment_score":0.0385432094335556}],"sentiment":"neutral","sentiment_score":0.058448352123377845,"num_words":32,"start":1848.6901,"end":1866.675},{"sentences":[{"text":"Mhmm.","start":1870.8151,"end":1871.3151,"sentiment":"neutral","sentiment_score":0.06810510903596878},{"text":"Correct.","start":1874.22,"end":1874.54,"sentiment":"neutral","sentiment_score":0.23253175616264343},{"text":"It is still invested.","start":1874.54,"end":1875.74,"sentiment":"neutral","sentiment_score":0.26830388605594635},{"text":"It's still working.","start":1875.74,"end":1876.7,"sentiment":"positive","sentiment_score":0.43193264802296955},{"text":"It's still growing.","start":1876.7,"end":1877.76,"sentiment":"positive","sentiment_score":0.44054393966992694}],"sentiment":"neutral","sentiment_score":0.3326068477084239,"num_words":12,"start":1870.8151,"end":1877.76},{"sentences":[{"text":"Correct.","start":1877.82,"end":1878.32,"sentiment":"neutral","sentiment_score":0.20095157623291016},{"text":"The main thing is we don't get the higher returns.","start":1878.94,"end":1882.08,"sentiment":"neutral","sentiment_score":-0.06988703534007072},{"text":"So we also use a very conservative retirement figure.","start":1882.14,"end":1885.76,"sentiment":"neutral","sentiment_score":-0.017565449078877766},{"text":"Most people in their retirement years are very much conservative, probably attracting for around about a five to 6% return in those retirement years.","start":1886.025,"end":1896.125,"sentiment":"neutral","sentiment_score":0.15369687291483083},{"text":"So we know the returns are expected to be lower.","start":1896.5851,"end":1898.79,"sentiment":"neutral","sentiment_score":0.027671289071440695}],"sentiment":"neutral","sentiment_score":0.06128574114430834,"num_words":54,"start":1877.82,"end":1898.79},{"sentences":[{"text":"We wanna generate income so we have more of those defensive cash investments like fixed interest and bonds because we wanna generate more cash out of the portfolio, which helps your drawdown.","start":1898.79,"end":1909.6901,"sentiment":"neutral","sentiment_score":0.27157262805849314},{"text":"And you'll see, depending on market reactions could last longer than this, and we could get a greater benefit to it.","start":1910.2301,"end":1916.115,"sentiment":"neutral","sentiment_score":0.24010585177512395},{"text":"But it's about just reassessing it down the track.","start":1916.4149,"end":1919.315,"sentiment":"neutral","sentiment_score":-0.02472043761776553},{"text":"But yeah.","start":1919.855,"end":1920.595,"sentiment":"neutral","sentiment_score":0.006486080586910248},{"text":"Yeah.","start":1920.735,"end":1921.235,"sentiment":"neutral","sentiment_score":0.028471607714891434}],"sentiment":"neutral","sentiment_score":0.20848472023812625,"num_words":65,"start":1898.79,"end":1921.235},{"sentences":[{"text":"Does that make sense?","start":1921.455,"end":1922.595,"sentiment":"neutral","sentiment_score":0.036731078289449215},{"text":"Yeah.","start":1923.375,"end":1923.875,"sentiment":"neutral","sentiment_score":0.08375954627990723},{"text":"Yeah.","start":1924.095,"end":1924.595,"sentiment":"neutral","sentiment_score":0.12168939411640169},{"text":"Beautiful.","start":1924.8949,"end":1925.3949,"sentiment":"positive","sentiment_score":0.5402778387069702},{"text":"It kinda shows you where we're tracking for.","start":1926.0499,"end":1927.89,"sentiment":"neutral","sentiment_score":0.23168976046144962}],"sentiment":"neutral","sentiment_score":0.18307794506351152,"num_words":15,"start":1921.455,"end":1927.89},{"sentences":[{"text":"And, look, it's by no means bad.","start":1927.89,"end":1929.65,"sentiment":"neutral","sentiment_score":0.22163173130580358},{"text":"You still can draw a good income that you are gonna be eligible for the age pension.","start":1929.65,"end":1934.63,"sentiment":"positive","sentiment_score":0.45293332724010243},{"text":"And in the next year, four to five years, the age pension is also in debt and reevaluated by a year on the March 20 and September every year.","start":1935.25,"end":1944.065,"sentiment":"neutral","sentiment_score":0.09399849587473376},{"text":"So by the time you get to retirement, the age pension could be higher than where it is now.","start":1944.065,"end":1949.285,"sentiment":"neutral","sentiment_score":0.04880733925260996},{"text":"Your super balance, I'm hoping to have a lot higher than where it is now as well, and we'll be able to look at a way to draw down out of both of those to make sure it lasts as long as possible for you.","start":1949.425,"end":1959.99,"sentiment":"neutral","sentiment_score":0.28482541839281716}],"sentiment":"neutral","sentiment_score":0.2198438319321881,"num_words":117,"start":1927.89,"end":1959.99},{"sentences":[{"text":"Okay?","start":1960.13,"end":1960.63,"sentiment":"neutral","sentiment_score":0.06763911247253418},{"text":"Yeah.","start":1962.7699,"end":1963.2699,"sentiment":"neutral","sentiment_score":0.17091646790504456},{"text":"Beautiful.","start":1963.4099,"end":1963.9099,"sentiment":"positive","sentiment_score":0.36942222714424133},{"text":"Do you have more questions?","start":1964.2899,"end":1965.75,"sentiment":"neutral","sentiment_score":0.026622751727700233},{"text":"Has anything kinda come up that you wanted me to kinda clarify more for you?","start":1965.8099,"end":1969.955,"sentiment":"neutral","sentiment_score":-0.024911851870516935}],"sentiment":"neutral","sentiment_score":0.015974512526198574,"num_words":23,"start":1960.13,"end":1969.955},{"sentences":[{"text":"Or oh, that's good.","start":1969.955,"end":1974.115,"sentiment":"neutral","sentiment_score":0.23035829234868288},{"text":"That's good.","start":1974.115,"end":1974.835,"sentiment":"positive","sentiment_score":0.43659766018390656},{"text":"It is a lot.","start":1974.835,"end":1975.715,"sentiment":"neutral","sentiment_score":0.23922661319375038},{"text":"I fully understand that.","start":1975.715,"end":1977.235,"sentiment":"neutral","sentiment_score":0.19732704013586044},{"text":"As I sort of said, let's do it a little bit easier for you.","start":1977.235,"end":1980.775,"sentiment":"neutral","sentiment_score":0.13844525760837964}],"sentiment":"neutral","sentiment_score":0.19568131105708225,"num_words":28,"start":1969.955,"end":1980.775},{"sentences":[{"text":"But I'm still happy to have the actual document posted out to you as a hard copy to make it easier for you to read through as well.","start":1981.77,"end":1989.15,"sentiment":"positive","sentiment_score":0.3867791103465216},{"text":"But, yeah, it's all good.","start":1990.89,"end":1993.8701,"sentiment":"neutral","sentiment_score":0.255922868847847},{"text":"The next page down is just about retaining your insurance level.","start":1994.955,"end":1999.215,"sentiment":"neutral","sentiment_score":0.025430056689815086},{"text":"Sorry.","start":2000.875,"end":2001.375,"sentiment":"neutral","sentiment_score":-0.015745781362056732},{"text":"You've got your life insurance cover there.","start":2001.995,"end":2003.755,"sentiment":"neutral","sentiment_score":0.04214171998734985}],"sentiment":"neutral","sentiment_score":0.24362319838613844,"num_words":52,"start":1981.77,"end":2003.755},{"sentences":[{"text":"You were happy to keep that for a little bit longer, so we're just retaining that.","start":2003.755,"end":2007.275,"sentiment":"positive","sentiment_score":0.6738875396549702},{"text":"It is paid out of super and can have an effect on that for you.","start":2007.275,"end":2011.63,"sentiment":"positive","sentiment_score":0.6453775922457378},{"text":"Okay?","start":2011.63,"end":2012.13,"sentiment":"neutral","sentiment_score":0.24684980511665344},{"text":"If you go down to page number 25, I can sort of show you that impact there.","start":2013.95,"end":2019.49,"sentiment":"neutral","sentiment_score":0.15315518002299702},{"text":"Yep.","start":2021.87,"end":2022.2699,"sentiment":"neutral","sentiment_score":0.2300415486097336}],"sentiment":"positive","sentiment_score":0.4708678786456585,"num_words":50,"start":2003.755,"end":2022.2699},{"sentences":[{"text":"Beautiful.","start":2022.2699,"end":2022.7699,"sentiment":"positive","sentiment_score":0.45785486698150635},{"text":"So on the bottom of page number 25, you've actually got a heading that says outcome, and underneath that, we have another table with the current recommended and no insurance.","start":2023.445,"end":2033.385,"sentiment":"neutral","sentiment_score":0.12724685358504453},{"text":"Can you see that there?","start":2033.6849,"end":2034.985,"sentiment":"neutral","sentiment_score":0.0810693234205246},{"text":"Yep.","start":2037.2999,"end":2037.7,"sentiment":"neutral","sentiment_score":0.158192440867424},{"text":"Beautiful.","start":2037.7,"end":2038.2,"sentiment":"positive","sentiment_score":0.41063833236694336}],"sentiment":"neutral","sentiment_score":0.13814310170710087,"num_words":38,"start":2022.2699,"end":2038.2},{"sentences":[{"text":"So this is the same as the projection table.","start":2038.4199,"end":2040.8999,"sentiment":"neutral","sentiment_score":0.231293433242374},{"text":"The current is basically your current portfolio with the current projected outcome, noting that over the next four to five years, this is where we could see if you don't make any changes in your super fund now.","start":2040.8999,"end":2054.775,"sentiment":"neutral","sentiment_score":0.10814244751083224},{"text":"The recommended is showing by reducing risk with the current recommended outcome.","start":2054.775,"end":2059.995,"sentiment":"neutral","sentiment_score":0.2552279755473137},{"text":"This is where the projected outcome is expected to be, which isn't too bad at all.","start":2060.375,"end":2065.035,"sentiment":"neutral","sentiment_score":0.31105502834543586},{"text":"The no insurance column is just to show you a comparison.","start":2065.49,"end":2068.8699,"sentiment":"neutral","sentiment_score":0.08917677808891643}],"sentiment":"neutral","sentiment_score":0.17687923981006756,"num_words":86,"start":2038.4199,"end":2068.8699},{"sentences":[{"text":"If you did not have insurances, essentially, this is where the projected outcome could end up after we change your risk and change your portfolio over.","start":2069.17,"end":2078.71,"sentiment":"neutral","sentiment_score":0.07172637490125802},{"text":"So it's just about understanding that, you know, in the next four to five years, by having the insurance paid out of super, it does reduce how much you are expected to end up within retirement, but there's also a level of you need the insurance if you wanna keep the insurances, so, you know, understanding that.","start":2079.045,"end":2097.3901,"sentiment":"neutral","sentiment_score":0.045442362430325726},{"text":"It's not a big impact over the next five years.","start":2097.4502,"end":2100.49,"sentiment":"neutral","sentiment_score":-0.02052864097058773},{"text":"Essentially, by not having insurance premiums paid, you could end up with about 230,000 there Under the recommended, we're still recommending you end up with about 226,000 in super.","start":2100.49,"end":2112.095,"sentiment":"neutral","sentiment_score":0.02617625834356094},{"text":"So it's not a very large impact?","start":2112.095,"end":2113.9548,"sentiment":"neutral","sentiment_score":-0.12528262606688909}],"sentiment":"neutral","sentiment_score":0.03203059771899567,"num_words":129,"start":2069.17,"end":2113.9548},{"sentences":[{"text":"Correct.","start":2115.9348,"end":2116.4348,"sentiment":"neutral","sentiment_score":-0.06766358017921448},{"text":"Yeah.","start":2116.575,"end":2117.075,"sentiment":"neutral","sentiment_score":-0.012585444375872612},{"text":"Correct.","start":2117.1348,"end":2117.6348,"sentiment":"neutral","sentiment_score":0.045668795704841614},{"text":"But we just like to show you that to show you that we understand that there is an impact on on the retirement outcome with this, and this is essentially what that that impact looks like.","start":2117.775,"end":2128.8801,"sentiment":"neutral","sentiment_score":0.0747933177691367},{"text":"Okay?","start":2128.8801,"end":2129.3801,"sentiment":"neutral","sentiment_score":0.05790161341428757}],"sentiment":"neutral","sentiment_score":0.06789702060632408,"num_words":40,"start":2115.9348,"end":2129.3801},{"sentences":[{"text":"Excellent.","start":2132.24,"end":2132.74,"sentiment":"positive","sentiment_score":0.6962156295776367},{"text":"On all of these pages, when you are when you take some time to read it through, I've outlined the best interest duty for you, which outlines the the reasoning behind my recommendations, yeah, and then relates it back to your goal.","start":2133.6,"end":2146.5652,"sentiment":"neutral","sentiment_score":0.2018114702687377},{"text":"We've also got the advantages, the disadvantages, and the risks involved.","start":2147.3452,"end":2151.58,"sentiment":"neutral","sentiment_score":0.025796123187650333},{"text":"I outlined some of those as part of our conversation, but going through all of them becomes a lot.","start":2151.96,"end":2156.84,"sentiment":"neutral","sentiment_score":0.06437100862201892},{"text":"So I'll let you go back and have a bit of a read through those as well.","start":2156.84,"end":2160.1401,"sentiment":"neutral","sentiment_score":0.1303543921779184}],"sentiment":"neutral","sentiment_score":0.14327920629746385,"num_words":90,"start":2132.24,"end":2160.1401},{"sentences":[{"text":"I've also got any alternatives that we have considered as part of the research, the the advice for you.","start":2161.08,"end":2167.395,"sentiment":"neutral","sentiment_score":0.18272466251724645},{"text":"Okay?","start":2167.455,"end":2167.955,"sentiment":"neutral","sentiment_score":0.1521795094013214},{"text":"Excellent.","start":2170.095,"end":2170.595,"sentiment":"positive","sentiment_score":0.682219386100769},{"text":"And then down on page number 29, we just have the beneficiary side of things as well.","start":2170.895,"end":2176.255,"sentiment":"neutral","sentiment_score":0.19288230818860672},{"text":"So as we kinda went through updating your beneficiaries, you wanted to make sure that if anything happens, that your kids are looked after with the super and the life cover paid out to them.","start":2176.255,"end":2186.79,"sentiment":"neutral","sentiment_score":0.2031619789344924}],"sentiment":"neutral","sentiment_score":0.20131282171566192,"num_words":73,"start":2161.08,"end":2186.79},{"sentences":[{"text":"Because inside superannuation, there is a tax impact on the taxable component where non tax dependent, so children over the age of 18 or non tax dependent, can pay up to 17% tax on the amount.","start":2187.33,"end":2201.295,"sentiment":"neutral","sentiment_score":0.04288329639368587},{"text":"So having it directed through your will and picking what's called legal personal representative, That means that if anything happens to you, your super and your life insurance premiums are paid to your estate, and then they will be distributed alongside your will as per your direction.","start":2201.295,"end":2218.5698,"sentiment":"neutral","sentiment_score":0.1732426773994527},{"text":"It does not alleviate a 100% of the tax consequences, but it does mitigate or it does it reduces the amount of tax that would be paid by your dependent if they receive the benefit there for you.","start":2219.1099,"end":2233.255,"sentiment":"neutral","sentiment_score":0.16669944899254724},{"text":"So it is and it gives you a lot more control as to how you want that money paid if it was directed straight to your kids from the from the and the life insurance proceeds.","start":2233.255,"end":2243.29,"sentiment":"positive","sentiment_score":0.38518654969003463},{"text":"They just receive the benefit as it is.","start":2243.59,"end":2245.845,"sentiment":"positive","sentiment_score":0.3678678050637245}],"sentiment":"neutral","sentiment_score":0.1989723745394837,"num_words":165,"start":2187.33,"end":2245.845},{"sentences":[{"text":"In your will, your lawyer can help you to set up trust or allocate money depending on how good your kids are with money or, you know, their consequences and things like that.","start":2245.925,"end":2255.445,"sentiment":"neutral","sentiment_score":0.1646468284906763},{"text":"So you have a lot more control with your will as to where you want money to be paid to, who you want it to go to, and what percentage you want them to receive of those funds as well.","start":2255.445,"end":2265.48,"sentiment":"neutral","sentiment_score":0.2083814837038517},{"text":"Okay.","start":2265.54,"end":2266.04,"sentiment":"neutral","sentiment_score":0.1731036752462387},{"text":"Excellent.","start":2268.18,"end":2268.68,"sentiment":"positive","sentiment_score":0.75420081615448},{"text":"I outlined again the best interest, Judy, and why I'm making that recommendation for you.","start":2269.14,"end":2273.7,"sentiment":"positive","sentiment_score":0.5759169777234395}],"sentiment":"neutral","sentiment_score":0.25927404272887444,"num_words":90,"start":2245.925,"end":2273.7},{"sentences":[{"text":"I've got below the advantages, disadvantages, and risks in both, so you're fully informed before you decide to take the recommendations.","start":2273.7,"end":2281.405,"sentiment":"neutral","sentiment_score":0.20283563319771064},{"text":"And then I know you were in the process of doing up your will.","start":2282.5051,"end":2285.465,"sentiment":"neutral","sentiment_score":0.10234022539641176},{"text":"I believe your niece is a solicitor.","start":2285.465,"end":2287.0652,"sentiment":"neutral","sentiment_score":0.062422645411321094},{"text":"Is that right?","start":2287.0652,"end":2287.705,"sentiment":"neutral","sentiment_score":0.06800693397720654},{"text":"The lawyer?","start":2287.705,"end":2288.445,"sentiment":"neutral","sentiment_score":0.022403614595532417}],"sentiment":"neutral","sentiment_score":0.13570421280220468,"num_words":47,"start":2273.7,"end":2288.445},{"sentences":[{"text":"Yep.","start":2290.2651,"end":2290.59,"sentiment":"neutral","sentiment_score":0.2326550930738449},{"text":"Beautiful.","start":2290.83,"end":2291.33,"sentiment":"positive","sentiment_score":0.560802161693573},{"text":"And below this, I have also noted that just doing up your will, having a power of attorney put in place, and the advantages, disadvantages, and risks involved there.","start":2291.7102,"end":2300.51,"sentiment":"neutral","sentiment_score":0.05008641110155089},{"text":"I know you are in the process of having that done, but I wanted to make sure this still was in the advice document for you to kinda give you a little bit more information around that side of things.","start":2300.51,"end":2310.2349,"sentiment":"neutral","sentiment_score":0.07013751603662968},{"text":"And that way, you've got you've got a bit more clarity on why I'm recommending things the way I am.","start":2310.9348,"end":2316.315,"sentiment":"neutral","sentiment_score":0.275381650775671}],"sentiment":"neutral","sentiment_score":0.11603403113946155,"num_words":91,"start":2290.2651,"end":2316.315},{"sentences":[{"text":"Okay?","start":2316.4548,"end":2316.9548,"sentiment":"neutral","sentiment_score":0.117484912276268},{"text":"Excellent.","start":2320.3599,"end":2320.8599,"sentiment":"positive","sentiment_score":0.4674275815486908},{"text":"The only other thing to kinda clarify is that you do pay us an ongoing service fee, which is 1.65% per annum.","start":2321.64,"end":2328.54,"sentiment":"neutral","sentiment_score":0.06340379250997846},{"text":"Next year, our fees will be changing a little bit, but right now, you're still on the same fee.","start":2329.24,"end":2333.9,"sentiment":"neutral","sentiment_score":0.07052130252122879},{"text":"It is on page number 41, we've outlined what that is.","start":2334.485,"end":2338.585,"sentiment":"neutral","sentiment_score":0.12172155149958351}],"sentiment":"neutral","sentiment_score":0.08627106932302316,"num_words":54,"start":2316.4548,"end":2338.585},{"sentences":[{"text":"It's expected to be 2,624 for the year.","start":2338.725,"end":2342.665,"sentiment":"neutral","sentiment_score":0.16945488937199116},{"text":"The way it essentially works is 1.65% per annum, and then it is deducted smaller monthly increments out of your super.","start":2343.205,"end":2350.5498,"sentiment":"neutral","sentiment_score":0.19519188361508505},{"text":"And that sort of is the fee for us looking after your super, providing advice, and keeping you on track towards your goals.","start":2352.2898,"end":2359.1099,"sentiment":"positive","sentiment_score":0.39773847551449487},{"text":"As part of that fee, we don't charge any implementation or upfront fees for advice.","start":2359.73,"end":2364.5352,"sentiment":"neutral","sentiment_score":0.2308019742369652},{"text":"So we can do two, three, four, five advice documents, as many as you need over the course of the year, and there's no additional charge for those advice documents.","start":2364.5352,"end":2372.7751,"sentiment":"neutral","sentiment_score":0.32076495662331583}],"sentiment":"neutral","sentiment_score":0.28543950432969123,"num_words":97,"start":2338.725,"end":2372.7751},{"sentences":[{"text":"It's all incorporated in that ongoing service fee that you do pay for our services.","start":2372.7751,"end":2376.875,"sentiment":"neutral","sentiment_score":0.09237664416432381},{"text":"Does that make sense?","start":2377.14,"end":2378.44,"sentiment":"neutral","sentiment_score":-0.011684637516736984},{"text":"No.","start":2383.22,"end":2383.7,"sentiment":"neutral","sentiment_score":-0.08043712377548218},{"text":"Correct.","start":2383.7,"end":2384.18,"sentiment":"neutral","sentiment_score":-0.00610293447971344},{"text":"We yeah.","start":2384.18,"end":2385.7798,"sentiment":"neutral","sentiment_score":-0.01686981599777937}],"sentiment":"neutral","sentiment_score":0.05298397487596325,"num_words":23,"start":2372.7751,"end":2385.7798},{"sentences":[{"text":"No.","start":2385.7798,"end":2386.0999,"sentiment":"neutral","sentiment_score":-0.044475995004177094},{"text":"Correct.","start":2386.0999,"end":2386.3398,"sentiment":"neutral","sentiment_score":0.001607028767466545},{"text":"That's the idea is we don't really want it to be a noticeable.","start":2386.3398,"end":2389.0798,"sentiment":"neutral","sentiment_score":-0.05384149072835079},{"text":"It's about having it in the background.","start":2389.14,"end":2390.74,"sentiment":"neutral","sentiment_score":0.08379277241017137},{"text":"You kinda want your super to be growing and building to cover the fees that you're paying, but also compounding and building on growth for that as well.","start":2390.74,"end":2398.415,"sentiment":"neutral","sentiment_score":0.20151965479765618}],"sentiment":"neutral","sentiment_score":0.10972582791000604,"num_words":50,"start":2385.7798,"end":2398.415},{"sentences":[{"text":"So that's essentially how we want it to work, but it's just that also being a professional service and making sure that we are able to earn because there's a lot of cost involved in doing up advice and the research and everything behind the scenes.","start":2398.415,"end":2410.9402,"sentiment":"neutral","sentiment_score":0.30964747638158174},{"text":"So most people just talk to me, but I have a whole team of people that helps me do the research, put the advice together, and do all the bits and pieces.","start":2410.9402,"end":2419.025,"sentiment":"neutral","sentiment_score":0.17304858681745827},{"text":"So yeah.","start":2421.085,"end":2421.825,"sentiment":"neutral","sentiment_score":0.23953703790903091},{"text":"Excellent.","start":2421.9648,"end":2422.4648,"sentiment":"positive","sentiment_score":0.478584349155426},{"text":"And with your insurance policy with the sender, we're just disclosing that you do so you don't, but the insurance company does pay us a remuneration or an ongoing percentage of the premium.","start":2422.845,"end":2434.065,"sentiment":"neutral","sentiment_score":0.15896253649032477}],"sentiment":"neutral","sentiment_score":0.22793649842864588,"num_words":114,"start":2398.415,"end":2434.065},{"sentences":[{"text":"It is paid by the insurance company to us, not by you in any way.","start":2434.74,"end":2438.82,"sentiment":"neutral","sentiment_score":0.09067048033078512},{"text":"So it's just letting you know that this is disclosed.","start":2438.82,"end":2441.8801,"sentiment":"neutral","sentiment_score":0.13309793993830682},{"text":"It's got no impact on our advice in any way, shape, or form.","start":2442.66,"end":2446.18,"sentiment":"neutral","sentiment_score":0.05767675890372349},{"text":"We're retaining that policy because it's important to you to retain, But we're expected for the year to receive about a $155 in in essentially remuneration from the insurance company for that policy.","start":2446.18,"end":2458.485,"sentiment":"neutral","sentiment_score":0.13972098718989978},{"text":"Okay?","start":2458.865,"end":2459.365,"sentiment":"neutral","sentiment_score":0.06079613044857979}],"sentiment":"neutral","sentiment_score":0.11267254413622949,"num_words":72,"start":2434.74,"end":2459.365},{"sentences":[{"text":"Excellent.","start":2462.3901,"end":2462.8901,"sentiment":"positive","sentiment_score":0.49576663970947266},{"text":"To make things easier, if you decide to take on the advice, how we will implement it will be you will just sign the advice document and send that it comes back to us automatically once it has been signed.","start":2463.75,"end":2474.73,"sentiment":"neutral","sentiment_score":0.3118612293154001},{"text":"And then we will do the switch yeah.","start":2475.4949,"end":2478.375,"sentiment":"neutral","sentiment_score":0.09201370226219296},{"text":"Yeah.","start":2478.375,"end":2478.615,"sentiment":"neutral","sentiment_score":0.092450812458992},{"text":"Absolutely.","start":2478.615,"end":2479.115,"sentiment":"neutral","sentiment_score":0.08391706645488739}],"sentiment":"neutral","sentiment_score":0.2722096727320961,"num_words":51,"start":2462.3901,"end":2479.115},{"sentences":[{"text":"Yep.","start":2479.4949,"end":2479.9949,"sentiment":"neutral","sentiment_score":0.06493018567562103},{"text":"Oh, thank you.","start":2481.6548,"end":2483.275,"sentiment":"positive","sentiment_score":0.5678010284900665},{"text":"That's okay.","start":2483.575,"end":2484.3948,"sentiment":"neutral","sentiment_score":0.23884794116020203},{"text":"Did you still want me to get the team to post out the other one to you?","start":2484.615,"end":2488.7148,"sentiment":"neutral","sentiment_score":0.04970546987126855},{"text":"Yeah.","start":2493.8801,"end":2494.3801,"sentiment":"neutral","sentiment_score":-0.06344500184059143}],"sentiment":"neutral","sentiment_score":0.12614904747654995,"num_words":24,"start":2479.4949,"end":2494.3801},{"sentences":[{"text":"Absolutely.","start":2495.32,"end":2495.82,"sentiment":"neutral","sentiment_score":0.313883900642395},{"text":"That's absolutely fine.","start":2496.36,"end":2497.82,"sentiment":"positive","sentiment_score":0.41739267110824585},{"text":"Absolutely.","start":2503.4001,"end":2503.9001,"sentiment":"neutral","sentiment_score":0.107267364859581},{"text":"Yep.","start":2505.32,"end":2505.82,"sentiment":"neutral","sentiment_score":0.04269446060061455},{"text":"Yep.","start":2505.9602,"end":2506.365,"sentiment":"neutral","sentiment_score":0.07865200936794281}],"sentiment":"neutral","sentiment_score":0.25638224982789587,"num_words":7,"start":2495.32,"end":2506.365},{"sentences":[{"text":"Absolutely.","start":2507.485,"end":2507.985,"sentiment":"neutral","sentiment_score":0.1526426076889038},{"text":"Yeah.","start":2508.445,"end":2508.685,"sentiment":"neutral","sentiment_score":0.1428045928478241},{"text":"Yeah.","start":2508.685,"end":2509.005,"sentiment":"neutral","sentiment_score":0.15493884682655334},{"text":"We're doing this for now, and then we sort of talked about touching base maybe early January and looking at that retirement strategy.","start":2509.005,"end":2517.025,"sentiment":"neutral","sentiment_score":0.14398520375075546},{"text":"Does that sound okay to you?","start":2517.085,"end":2518.365,"sentiment":"neutral","sentiment_score":0.1914155458410581}],"sentiment":"neutral","sentiment_score":0.15345434402115643,"num_words":32,"start":2507.485,"end":2518.365},{"sentences":[{"text":"We'll sort of get through this, go through Christmas, and then sort of come back and look at it early next year, or did you wanna do it beforehand?","start":2518.365,"end":2525.1401,"sentiment":"neutral","sentiment_score":0.038042645708754146},{"text":"Yep.","start":2529.04,"end":2529.36,"sentiment":"neutral","sentiment_score":0.08037152886390686},{"text":"Yep.","start":2529.36,"end":2529.76,"sentiment":"neutral","sentiment_score":0.08180509507656097},{"text":"Beautiful.","start":2529.76,"end":2530.26,"sentiment":"neutral","sentiment_score":0.2642866373062134},{"text":"It's crazy.","start":2530.32,"end":2531.06,"sentiment":"neutral","sentiment_score":0.18370269984006882}],"sentiment":"neutral","sentiment_score":0.055797217249432034,"num_words":34,"start":2518.365,"end":2531.06},{"sentences":[{"text":"The year is flying by, isn't it?","start":2532.0,"end":2534.02,"sentiment":"neutral","sentiment_score":0.03253019441451345},{"text":"I know.","start":2537.0151,"end":2537.7551,"sentiment":"neutral","sentiment_score":0.03132995869964361},{"text":"I know.","start":2538.0552,"end":2538.7952,"sentiment":"neutral","sentiment_score":0.02417172212153673},{"text":"But, yeah, look how we'll implement this to make it easier.","start":2539.3352,"end":2541.975,"sentiment":"neutral","sentiment_score":0.1447924030098048},{"text":"You'll just sign and return that back.","start":2541.975,"end":2543.8152,"sentiment":"neutral","sentiment_score":0.11001519326652799}],"sentiment":"neutral","sentiment_score":0.0931564658109484,"num_words":29,"start":2532.0,"end":2543.8152},{"sentences":[{"text":"We will do all the changing of the investments in the background.","start":2543.8152,"end":2547.1152,"sentiment":"neutral","sentiment_score":0.1356815385321776},{"text":"You might receive an email here or there to let you know that we're making those changes, And then we'll organize and send your beneficiary nominations to you.","start":2547.175,"end":2555.71,"sentiment":"neutral","sentiment_score":0.14311231992074422},{"text":"We'll help to refill those.","start":2555.71,"end":2557.31,"sentiment":"neutral","sentiment_score":0.15242169797420502},{"text":"You'll sign and send them back, and then this is about doing your will and power of attorney through your lawyer or your solicitor.","start":2557.31,"end":2563.01,"sentiment":"neutral","sentiment_score":0.08429227101927002},{"text":"Okay?","start":2563.39,"end":2563.89,"sentiment":"neutral","sentiment_score":0.08721305429935455}],"sentiment":"neutral","sentiment_score":0.12153799241142614,"num_words":70,"start":2543.8152,"end":2563.89},{"sentences":[{"text":"Beautiful.","start":2567.135,"end":2567.635,"sentiment":"positive","sentiment_score":0.5819911956787109},{"text":"All good.","start":2568.2551,"end":2568.975,"sentiment":"positive","sentiment_score":0.4738367348909378},{"text":"Now with the other document, I do have to let you know, is the ongoing service agreement for us for the next twelve months.","start":2568.975,"end":2575.455,"sentiment":"neutral","sentiment_score":0.10866899602115154},{"text":"That was due to be renewed now as well.","start":2575.455,"end":2577.795,"sentiment":"neutral","sentiment_score":0.11470396320025127},{"text":"So that is the other document attached to the to the statement of advice email there.","start":2577.855,"end":2584.2,"sentiment":"neutral","sentiment_score":0.08938369527459145}],"sentiment":"neutral","sentiment_score":0.126926833906999,"num_words":52,"start":2567.135,"end":2584.2},{"sentences":[{"text":"Did you just wanna confirm because you said that you had signed that.","start":2584.9,"end":2588.76,"sentiment":"neutral","sentiment_score":0.08821202005044772},{"text":"Has it taken you to the next year?","start":2589.6199,"end":2593.965,"sentiment":"neutral","sentiment_score":-0.13308497332036495},{"text":"If you're comfortable, are you comfortable to sign and take on those recommendations now?","start":2598.0452,"end":2602.5251,"sentiment":"neutral","sentiment_score":-0.0021104486659169197},{"text":"Did you wanna go through that again?","start":2602.5251,"end":2604.125,"sentiment":"neutral","sentiment_score":-0.03638539197189467},{"text":"What would you what are you comfortable 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easier.","start":2624.695,"end":2633.355,"sentiment":"neutral","sentiment_score":0.05350234515724644}],"sentiment":"neutral","sentiment_score":0.15769506197954927,"num_words":70,"start":2606.685,"end":2633.355},{"sentences":[{"text":"Yep.","start":2637.29,"end":2637.79,"sentiment":"neutral","sentiment_score":0.02021198533475399},{"text":"Yeah.","start":2637.9302,"end":2638.4302,"sentiment":"neutral","sentiment_score":0.0350799486041069},{"text":"I'm the same.","start":2638.9702,"end":2639.87,"sentiment":"neutral","sentiment_score":0.020402483642101288},{"text":"Yep.","start":2640.8901,"end":2641.3901,"sentiment":"neutral","sentiment_score":0.05928689241409302},{"text":"And then what does the next one say?","start":2643.77,"end":2645.4502,"sentiment":"neutral","sentiment_score":0.01742235047277063}],"sentiment":"neutral","sentiment_score":0.022511791504387344,"num_words":14,"start":2637.29,"end":2645.4502},{"sentences":[{"text":"What does it say next?","start":2645.4502,"end":2646.555,"sentiment":"neutral","sentiment_score":-0.0033665794879198076},{"text":"Yep.","start":2654.155,"end":2654.655,"sentiment":"neutral","sentiment_score":0.13226516544818878},{"text":"So you just click on that, and it should automatically prepopulate the dates for you.","start":2654.7148,"end":2659.135,"sentiment":"neutral","sentiment_score":0.14966563234726588},{"text":"Yep.","start":2661.835,"end":2662.26,"sentiment":"neutral","sentiment_score":0.12641368806362152},{"text":"And it will take you down, which is the ongoing service agreement there as well.","start":2662.34,"end":2666.28,"sentiment":"neutral","sentiment_score":0.10984719693660736}],"sentiment":"neutral","sentiment_score":0.11174428095487324,"num_words":37,"start":2645.4502,"end":2666.28},{"sentences":[{"text":"Yep.","start":2670.9,"end":2671.4,"sentiment":"neutral","sentiment_score":0.018944744020700455},{"text":"No.","start":2681.7148,"end":2681.9548,"sentiment":"neutral","sentiment_score":-0.2703651189804077},{"text":"That's okay.","start":2681.9548,"end":2682.755,"sentiment":"neutral","sentiment_score":-0.1690768375992775},{"text":"What's it sort of saying?","start":2682.755,"end":2684.135,"sentiment":"neutral","sentiment_score":-0.07286999374628067},{"text":"Yep.","start":2691.01,"end":2691.51,"sentiment":"neutral","sentiment_score":0.1247033029794693}],"sentiment":"neutral","sentiment_score":-0.08292207159101964,"num_words":10,"start":2670.9,"end":2691.51},{"sentences":[{"text":"Beautiful.","start":2691.57,"end":2692.07,"sentiment":"positive","sentiment_score":0.5366473197937012},{"text":"Yep.","start":2693.33,"end":2693.73,"sentiment":"neutral","sentiment_score":0.23301713168621063},{"text":"And that will send back to me, and it should it might also send you an email letting you know that's all being done.","start":2693.73,"end":2699.35,"sentiment":"neutral","sentiment_score":0.215640002861619},{"text":"So, yeah, so Netwealth is the super fund that owes you we're the financial advisers.","start":2708.685,"end":2714.225,"sentiment":"neutral","sentiment_score":0.04328716645638148},{"text":"So we're the financial advisers who help you to monitor.","start":2714.92,"end":2718.44,"sentiment":"neutral","sentiment_score":0.056220394745469096}],"sentiment":"neutral","sentiment_score":0.14032423459723883,"num_words":51,"start":2691.57,"end":2718.44},{"sentences":[{"text":"We open the super fund, but Netwealth is the actual super fund that you have.","start":2718.44,"end":2722.94,"sentiment":"neutral","sentiment_score":0.03841063678264618},{"text":"If that's yeah.","start":2730.055,"end":2730.935,"sentiment":"neutral","sentiment_score":0.04478729392091433},{"text":"If you want it under net oh, that's absolutely fine.","start":2730.935,"end":2733.655,"sentiment":"neutral","sentiment_score":0.13875986114144326},{"text":"It's it's more just depending on how your file system works.","start":2733.655,"end":2736.695,"sentiment":"neutral","sentiment_score":0.05783462388948961},{"text":"Did you want the documents noted under or if you as your advisers knowing that we look after all those assets, or what how do you sort of how does it work for you?","start":2736.695,"end":2752.35,"sentiment":"neutral","sentiment_score":0.016641373061301076}],"sentiment":"neutral","sentiment_score":0.04520695331213001,"num_words":73,"start":2718.44,"end":2752.35},{"sentences":[{"text":"That's okay.","start":2753.77,"end":2754.41,"sentiment":"neutral","sentiment_score":0.11722582206130028},{"text":"If you put on honestly, what I sort of do with a lot of my stuff is anything provided by the adviser going under the OC file probably makes it easier because then you can see everything that you've got there.","start":2754.41,"end":2765.9348,"sentiment":"neutral","sentiment_score":0.12027126841428804},{"text":"Like, the ongoing service agreement is added to Netwealth as your super fund, but we're the ones that receive funds.","start":2765.9348,"end":2773.22,"sentiment":"neutral","sentiment_score":0.05614346917718649},{"text":"So maybe keeping it all together might be easier for you.","start":2773.22,"end":2776.44,"sentiment":"neutral","sentiment_score":0.07275913317095149},{"text":"Yeah.","start":2776.5,"end":2777.0,"sentiment":"neutral","sentiment_score":0.01644442230463028}],"sentiment":"neutral","sentiment_score":0.09473650559782981,"num_words":75,"start":2753.77,"end":2777.0},{"sentences":[{"text":"Yeah.","start":2778.8198,"end":2779.3198,"sentiment":"neutral","sentiment_score":0.08874906599521637},{"text":"Beautiful.","start":2783.5398,"end":2784.0398,"sentiment":"positive","sentiment_score":0.6722946166992188},{"text":"All good.","start":2784.74,"end":2785.5598,"sentiment":"positive","sentiment_score":0.5493061244487762},{"text":"Well, thank you so much.","start":2786.095,"end":2787.2952,"sentiment":"positive","sentiment_score":0.4656648337841034},{"text":"Now I've just been notified that it has all come back signed, so thank you so much for that.","start":2787.2952,"end":2792.5151,"sentiment":"positive","sentiment_score":0.4869385173446254}],"sentiment":"positive","sentiment_score":0.47999328321644236,"num_words":28,"start":2778.8198,"end":2792.5151},{"sentences":[{"text":"My team will post out the documents to you, hard copy on Monday if you've got a copy of it there.","start":2792.575,"end":2797.475,"sentiment":"neutral","sentiment_score":0.2600811187710081},{"text":"And then if you do find you have extra questions, let me know, but we'll go forward and kinda do all the implementation and get the investor switch completed for you.","start":2797.5352,"end":2805.36,"sentiment":"neutral","sentiment_score":0.2145146609794709},{"text":"Okay?","start":2805.36,"end":2805.86,"sentiment":"neutral","sentiment_score":0.13921158015727997},{"text":"Easy.","start":2809.12,"end":2809.6,"sentiment":"neutral","sentiment_score":0.06492222845554352},{"text":"Is there any questions or anything that's kinda come up, Sharon, that you might wanna have me follow-up for you?","start":2809.6,"end":2815.475,"sentiment":"neutral","sentiment_score":-0.03624412966892123}],"sentiment":"neutral","sentiment_score":0.156633908105259,"num_words":74,"start":2792.575,"end":2815.475},{"sentences":[{"text":"Or yep.","start":2815.475,"end":2819.3352,"sentiment":"neutral","sentiment_score":-0.015530501492321491},{"text":"Beautiful.","start":2821.235,"end":2821.735,"sentiment":"positive","sentiment_score":0.7091292142868042},{"text":"Fantastic.","start":2822.195,"end":2822.695,"sentiment":"positive","sentiment_score":0.7412689924240112},{"text":"Excellent.","start":2824.7551,"end":2825.2551,"sentiment":"positive","sentiment_score":0.7410581111907959},{"text":"Well, thank you so much for your time today.","start":2825.3152,"end":2827.475,"sentiment":"positive","sentiment_score":0.8241397473547194}],"sentiment":"positive","sentiment_score":0.6841180743649602,"num_words":14,"start":2815.475,"end":2827.475},{"sentences":[{"text":"I hope you have a good day.","start":2827.475,"end":2829.175,"sentiment":"positive","sentiment_score":0.7420599460601807},{"text":"If any questions do come up, let me know.","start":2829.56,"end":2831.88,"sentiment":"neutral","sentiment_score":0.0694368113246229},{"text":"And then once we've gone through this, I'll make a note to touch base with you probably January when we come back from the Christmas break, which is early January, and we'll make a time to kinda go through and reassess that transition time and strategy for you.","start":2831.88,"end":2846.075,"sentiment":"neutral","sentiment_score":0.094563224275286},{"text":"And in the meantime, if anything else comes up, let me know.","start":2846.535,"end":2849.575,"sentiment":"neutral","sentiment_score":0.036401090367386736},{"text":"Okay?","start":2849.575,"end":2850.075,"sentiment":"neutral","sentiment_score":0.04508510231971741}],"sentiment":"neutral","sentiment_score":0.14078290748422023,"num_words":77,"start":2827.475,"end":2850.075},{"sentences":[{"text":"That's okay.","start":2853.175,"end":2854.075,"sentiment":"neutral","sentiment_score":0.2719086855649948},{"text":"Thanks.","start":2854.455,"end":2854.955,"sentiment":"positive","sentiment_score":0.6057415008544922},{"text":"Thanks.","start":2855.735,"end":2856.235,"sentiment":"positive","sentiment_score":0.7037626504898071},{"text":"No worries.","start":2856.935,"end":2857.755,"sentiment":"neutral","sentiment_score":0.273859404027462},{"text":"You you too, Sharon.","start":2857.895,"end":2859.8901,"sentiment":"positive","sentiment_score":0.39236364513635635}],"sentiment":"positive","sentiment_score":0.39704949110746385,"num_words":10,"start":2853.175,"end":2859.8901},{"sentences":[{"text":"Thank you for your time.","start":2859.8901,"end":2860.85,"sentiment":"positive","sentiment_score":0.753150749206543},{"text":"I appreciate it.","start":2860.85,"end":2861.9902,"sentiment":"positive","sentiment_score":0.7343482573827108},{"text":"Thanks.","start":2864.85,"end":2865.35,"sentiment":"positive","sentiment_score":0.4903013110160827},{"text":"See you later.","start":2865.6501,"end":2866.4702,"sentiment":"positive","sentiment_score":0.40428420901298523},{"text":"Bye.","start":2866.53,"end":2867.03,"sentiment":"neutral","sentiment_score":0.1933007687330246}],"sentiment":"positive","sentiment_score":0.6050194788437623,"num_words":13,"start":2859.8901,"end":2867.03}]}}]},{"alternatives":[{"transcript":"Hi. Sharon speaking. Very well. Thank you. How are you? Yeah. That's fine. Totally fine. Yes. Can you bear with me? I'll try and get on my computer so I can read it better. Okay. Okay. It might take me a little bit. Just bear with me. Yep. That's fine. That's fine. Sharon Joy Carey. Second of the third, 1963, and Unit 111 Johnson Street, Stanthorpe. Just bear with me a minute. I probably got the slowest status setup. You've done everything cap. You've done everything cap on it, like, what's supposed to be done. Mhmm. Yep. Okay. I've got it up on my phone, but I haven't got it on my computer yet. So, yeah. Okay. You can go ahead. Yeah. You can start. Yep. Yep. Yes. Yep. Yes. Yes. Right. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. It does. Sorry. I'm still trying to get it up on my computer. I thought So where what page are we up to? I lost you. Hang on. 78. Okay. I've got it up not on my phone, but I've got it up in my computer. So yeah. I mean, I haven't got it. No. Sorry. I've got it up in my phone. It's not on my computer yet. Sorry. I'm not sorry. I've got the worst worst setup. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yes. Yep. Yeah. Yep. I just yep. Yep. Yes. Yes. Mhmm. Yes. Okay. I've got it here. Yep. Yes. Yes. Right. No. It's not. Not. That's fine. Yeah. Yep. Right. Okay. Mhmm. Yes. Right. Okay. Right. Yep. Yep. Yep. Yep. Right. Okay. Yep. So what did you say? What page what are you blocking? What page am I on? Oh, we still want 18. Sorry. My computer's just coming. That's all. Yeah. Okay. We're still on yeah. Okay. Yep. Right. Yep. Okay. Okay. I'm on on on my computer now, so I can read it better. So yeah. 19. Okay. I'm down to 19. Yep. Yeah. Right. Yes. Yeah. But there's no huge there's not a huge difference in it, really. Hypothetical. So yeah. Yes. Yes. Yes. Yes. Some with Super, there was talk of the government bringing in for it to to be taxed with Super. Is that gonna happen? Do you think? Yes. Yes. Right. That's right. Yep. Yep. Yep. Yes. Yes. Right. Okay. Alright. Sounds good. Yep. Yep. 20 where am I? Where am I? Where am I? Hang on. You paid 20. I'm on it. Yep. Yep. Yeah. Yes. Yes. Yes. Yes. Right. Okay. Yep. So if you sell that if if you sell that, do you reinvest it into anything else? Is that a stupid question? Right. Okay. Right here. Because that van that Vanguard, like, that was I don't know. I don't know if it's still in black. It's in the I don't know. It's got minus thirty nine two. I see. So what are you gonna you're gonna not gonna have that in there anymore? Yeah. The more return you get. Yep. Yes. Yes. Yes. Yes. And it'll bring in more return. Is that that? Yes. Well yeah. Yes. Okay. Yep. Yes. Yeah. Right. Yes. Yes. Yeah. Right. Yes. Yep. Yep. Yep. Yep. Right. Okay. Yep. Yep. Right. Okay. Yep. Yep. Yep. No. No. No. No. No. No. So where was that where was that title? Oh, I see. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Okay. Yep. Well, pretty much much as it came to me. Yeah. Yeah. Yes. No. No. No. I don't think so. Right. Right. Okay. Yep. Yep. Okay. Yep. It does. So the total at the bottom of that what's the total at the bottom of that? That's what my system no. Right. So that's what I have in my super. Is that right? No. Right. Okay. Alright. Yep. Okay. Sounds good. Yeah. It does. No. It does. I was just wondering where where that ticket come from. That's all. Yep. No. That's fine. Yes. Right. Okay. Yep. Yep. It does. It does. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yes. Yeah. Right. Okay. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yes. It does. Yep. Yep. It does. Yes. Yeah. Yes. Yes. Yes. Right. You're right. Yes. Yes. Yes. Now Yes. Yeah. That yeah. It does. So meanwhile, while I'm when I'm retired and I'm withdrawing that little bit amount of super and I'm getting my pension, what's left in my super fund is still working, is it? Yes. Yes. Yes. Yep. Yep. Yeah. Right. Yes. It does. Yep. Yep. Yep. Yes. Yes. Yeah. Right. Yep. Yep. Yep. Okay. No. Because it makes more sense it makes more sense to me than it did last time. Yeah. Yeah. Yes. Yes. Yep. Yep. Yep. Yep. Yes. Yes. Yep. I brought it up. Yep. Yep. Yes, ma'am. Yes. Mhmm. Yes. Yes. Which is not this is not v. Yes. Yes. It's not v. Yes. Yes. Yes. Yep. Yep. With your life insurance. Yes. Yes. Yes. Yep. Yep. Yep. For sure. Yes. Yes. Yes. Yes. Yep. Right. But there's still it's a low, is it? It lowers it. Yes. Yes. Yes. Yep. Yep. Yep. Okay. Yep. Yes. Yep. Yep. Yes. Yep. Yep. Yep. Okay. Yep. Okay. Yes. Right. But you really, like, as you were doing it up though, you really don't notice that? Really? Like, do you? Yes. Yes. Yes. Yep. Yes. Yeah. Yeah. Yes. Yes. Yes. Yes. Yep. Yeah. Right. Yep. Yep. Okay. Yep. Can I find it online? Oh, no. It's done. Actually, it's done. I've done it. Yeah. I think I'd like a hard copy to have you in case I you'd never know me. Yeah. I could lose it on my computer. Are we gonna touch base later about that transition into retirement thing too? You were you were gonna look into that. Remember that? We were just doing this for now? So yeah. Yep. No. I think after Christmas. Yeah. Yeah. Definitely after yes. Well, Christmas is really Christmas is really upon it. So yeah. Yeah. Yeah. Yep. Okay. Yep. Sounds great. Okay. Well, I haven't I haven't pressed I haven't pressed sign. I haven't pressed to sign yet. Do I press sign all? Yes. Yes. I am. Yeah. I am comfortable with that. Yep. Yep. So it's got two buttons. It's got sign and it's got sign all. Oh, rubbish. I'll press sign all. I'm not sure do that. Yep. Is that right? Okay. Alright. Place someone below. It's got your date. You gotta put your date and stuff in, which is the twentieth. It says next next next document. Yep. And click to start. Next. Okay. Oh my god. It's very little. What I don't know what I've done. Oh, okay. Now I gotta put the date in the dates in. Validate and send completed document. So I press validate and send completed document. Okay. Alright. So that's under oh, that's pretty that's under Netwealth. Alright. For you. Netwealth. So therefore, I put that under network file. Was that right or not? Yep. Well, I've got an APU an APU file. I did have it I've got a Netwealth one too, but I don't know what to put in what. Everything's there. Just all under oak juice. Won't confuse me too much. Okay. All done. All good. Okay. Mhmm. Okay. Alright. Sounds good. Okay. No. I see I think that's it. I got a bigger picture of it was with yeah. Yep. Yep. Okay. Alright. Thank you. I can't. Yes. I will. I will for sure. Okay. Alright. Okay. Thank you. Have a lovely day and a nice weekend. Okay. That's okay. Thank you. Okay. Bye. 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Sharon speaking. Very well. Thank you. How are you?\n\nYeah. That's fine. Totally fine. Yes. Can you bear with me?\n\nI'll try and get on my computer so I can read it better. Okay. Okay. It might take me a little bit. Just bear with me.\n\nYep. That's fine. That's fine. Sharon Joy Carey. Second of the third, 1963, and Unit 111 Johnson Street, Stanthorpe.\n\nJust bear with me a minute. I probably got the slowest status setup. You've done everything cap. You've done everything cap on it, like, what's supposed to be done. Mhmm.\n\nYep. Okay. I've got it up on my phone, but I haven't got it on my computer yet. So, yeah. Okay.\n\nYou can go ahead. Yeah. You can start. Yep. Yep.\n\nYes. Yep. Yes. Yes. Right.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. It does.\n\nSorry. I'm still trying to get it up on my computer. I thought So where what page are we up to? I lost you. Hang on.\n\n78. Okay. I've got it up not on my phone, but I've got it up in my computer. So yeah. I mean, I haven't got it.\n\nNo. Sorry. I've got it up in my phone. It's not on my computer yet. Sorry.\n\nI'm not sorry. I've got the worst worst setup. Yep. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yep.\n\nYes. Yep. Yeah. Yep. I just yep.\n\nYep. Yes. Yes. Mhmm. Yes.\n\nOkay. I've got it here. Yep. Yes. Yes.\n\nRight. No. It's not. Not. That's fine.\n\nYeah. Yep. Right. Okay. Mhmm.\n\nYes. Right. Okay. Right. Yep.\n\nYep. Yep. Yep. Right. Okay.\n\nYep. So what did you say? What page what are you blocking? What page am I on? Oh, we still want 18.\n\nSorry. My computer's just coming. That's all. Yeah. Okay.\n\nWe're still on yeah. Okay. Yep. Right. Yep.\n\nOkay. Okay. I'm on on on my computer now, so I can read it better. So yeah. 19.\n\nOkay. I'm down to 19. Yep. Yeah. Right.\n\nYes. Yeah. But there's no huge there's not a huge difference in it, really. Hypothetical. So yeah.\n\nYes. Yes. Yes. Yes. Some with Super, there was talk of the government bringing in for it to to be taxed with Super.\n\nIs that gonna happen? Do you think? Yes. Yes. Right.\n\nThat's right. Yep. Yep. Yep. Yes.\n\nYes. Right. Okay. Alright. Sounds good.\n\nYep. Yep. 20 where am I? Where am I? Where am I?\n\nHang on. You paid 20. I'm on it. Yep. Yep.\n\nYeah. Yes. Yes. Yes. Yes.\n\nRight. Okay. Yep. So if you sell that if if you sell that, do you reinvest it into anything else? Is that a stupid question?\n\nRight. Okay. Right here. Because that van that Vanguard, like, that was I don't know. I don't know if it's still in black.\n\nIt's in the I don't know. It's got minus thirty nine two. I see. So what are you gonna you're gonna not gonna have that in there anymore? Yeah.\n\nThe more return you get. Yep. Yes. Yes. Yes.\n\nYes. And it'll bring in more return. Is that that? Yes. Well yeah.\n\nYes. Okay. Yep. Yes. Yeah.\n\nRight. Yes. Yes. Yeah. Right.\n\nYes. Yep. Yep. Yep. Yep.\n\nRight. Okay. Yep. Yep. Right.\n\nOkay. Yep. Yep. Yep. No.\n\nNo. No. No. No. No.\n\nSo where was that where was that title? Oh, I see. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Okay. Yep. Okay.\n\nYep. Well, pretty much much as it came to me. Yeah. Yeah. Yes.\n\nNo. No. No. I don't think so. Right.\n\nRight. Okay. Yep. Yep. Okay.\n\nYep. It does. So the total at the bottom of that what's the total at the bottom of that? That's what my system no. Right.\n\nSo that's what I have in my super. Is that right? No. Right. Okay.\n\nAlright. Yep. Okay. Sounds good. Yeah.\n\nIt does. No. It does. I was just wondering where where that ticket come from. That's all.\n\nYep. No. That's fine. Yes. Right.\n\nOkay. Yep. Yep. It does. It does.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yes. Yeah. Right.\n\nOkay. Yes. Yes. Yes. Yes.\n\nYes. Yes. Yes. Yes. It does.\n\nYep. Yep. It does. Yes. Yeah.\n\nYes. Yes. Yes. Right. You're right.\n\nYes. Yes. Yes. Now Yes. Yeah.\n\nThat yeah. It does. So meanwhile, while I'm when I'm retired and I'm withdrawing that little bit amount of super and I'm getting my pension, what's left in my super fund is still working, is it? Yes. Yes.\n\nYes. Yep. Yep. Yeah. Right.\n\nYes. It does. Yep. Yep. Yep.\n\nYes. Yes. Yeah. Right. Yep.\n\nYep. Yep. Okay. No. Because it makes more sense it makes more sense to me than it did last time.\n\nYeah. Yeah. Yes. Yes. Yep.\n\nYep. Yep. Yep. Yes. Yes.\n\nYep. I brought it up. Yep. Yep. Yes, ma'am.\n\nYes. Mhmm. Yes. Yes. Which is not this is not v.\n\nYes. Yes. It's not v. Yes. Yes.\n\nYes. Yep. Yep. With your life insurance. Yes.\n\nYes. Yes. Yep. Yep. Yep.\n\nFor sure. Yes. Yes. Yes. Yes.\n\nYep. Right. But there's still it's a low, is it? It lowers it. Yes.\n\nYes. Yes. Yep. Yep. Yep.\n\nOkay. Yep. Yes. Yep. Yep.\n\nYes. Yep. Yep. Yep. Okay.\n\nYep. Okay. Yes. Right. But you really, like, as you were doing it up though, you really don't notice that?\n\nReally? Like, do you? Yes. Yes. Yes.\n\nYep. Yes. Yeah. Yeah. Yes.\n\nYes. Yes. Yes. Yep. Yeah.\n\nRight. Yep. Yep. Okay. Yep.\n\nCan I find it online? Oh, no. It's done. Actually, it's done. I've done it.\n\nYeah. I think I'd like a hard copy to have you in case I you'd never know me. Yeah. I could lose it on my computer. Are we gonna touch base later about that transition into retirement thing too?\n\nYou were you were gonna look into that. Remember that? We were just doing this for now? So yeah. Yep.\n\nNo. I think after Christmas. Yeah. Yeah. Definitely after yes.\n\nWell, Christmas is really Christmas is really upon it. So yeah. Yeah. Yeah. Yep.\n\nOkay. Yep. Sounds great. Okay. Well, I haven't I haven't pressed I haven't pressed sign.\n\nI haven't pressed to sign yet. Do I press sign all? Yes. Yes. I am.\n\nYeah. I am comfortable with that. Yep. Yep. So it's got two buttons.\n\nIt's got sign and it's got sign all. Oh, rubbish. I'll press sign all. I'm not sure do that. Yep.\n\nIs that right? Okay. Alright. Place someone below. It's got your date.\n\nYou gotta put your date and stuff in, which is the twentieth. It says next next next document. Yep. And click to start. Next.\n\nOkay. Oh my god. It's very little. What I don't know what I've done. Oh, okay.\n\nNow I gotta put the date in the dates in. Validate and send completed document. So I press validate and send completed document. Okay. Alright.\n\nSo that's under oh, that's pretty that's under Netwealth. Alright. For you. Netwealth. So therefore, I put that under network file.\n\nWas that right or not? Yep. Well, I've got an APU an APU file. I did have it I've got a Netwealth one too, but I don't know what to put in what. Everything's there.\n\nJust all under oak juice. Won't confuse me too much. Okay. All done. All good.\n\nOkay. Mhmm. Okay. Alright. Sounds good.\n\nOkay. No. I see I think that's it. I got a bigger picture of it was with yeah. Yep.\n\nYep. Okay. Alright. Thank you. I can't.\n\nYes. I will. I will for sure. Okay. Alright.\n\nOkay. Thank you. Have a lovely day and a nice weekend. Okay. That's okay.\n\nThank you. Okay. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.79999995,"end":1.04,"sentiment":"neutral","sentiment_score":0.031952641904354095},{"text":"Sharon speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.03355982154607773},{"text":"Very well.","start":6.96,"end":7.52,"sentiment":"positive","sentiment_score":0.5149775147438049},{"text":"Thank you.","start":7.52,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5234181880950928},{"text":"How are you?","start":7.9199996,"end":8.82,"sentiment":"neutral","sentiment_score":0.295955350001653}],"sentiment":"neutral","sentiment_score":0.3063729740679264,"num_words":10,"start":0.79999995,"end":8.82},{"sentences":[{"text":"Yeah.","start":17.465,"end":17.705,"sentiment":"neutral","sentiment_score":0.14282886683940887},{"text":"That's fine.","start":17.705,"end":18.345001,"sentiment":"neutral","sentiment_score":0.24134520441293716},{"text":"Totally fine.","start":18.345001,"end":19.325,"sentiment":"positive","sentiment_score":0.41198383271694183},{"text":"Yes.","start":19.385,"end":19.885,"sentiment":"positive","sentiment_score":0.4175305962562561},{"text":"Can you bear with me?","start":30.99,"end":31.87,"sentiment":"neutral","sentiment_score":0.024891989678144454}],"sentiment":"neutral","sentiment_score":0.1810434077951041,"num_words":11,"start":17.465,"end":31.87},{"sentences":[{"text":"I'll try and get on my computer so I can read it better.","start":31.87,"end":34.53,"sentiment":"neutral","sentiment_score":0.026423058687494352},{"text":"Okay.","start":34.989998,"end":35.489998,"sentiment":"neutral","sentiment_score":0.13050992786884308},{"text":"Okay.","start":37.71,"end":38.21,"sentiment":"neutral","sentiment_score":0.024246346205472943},{"text":"It might take me a little bit.","start":40.35,"end":41.47,"sentiment":"neutral","sentiment_score":-0.05317058254565511},{"text":"Just bear with me.","start":41.47,"end":42.61,"sentiment":"neutral","sentiment_score":-0.03752836678177118}],"sentiment":"neutral","sentiment_score":-0.0009250579974972284,"num_words":26,"start":31.87,"end":42.61},{"sentences":[{"text":"Yep.","start":51.735,"end":52.055,"sentiment":"neutral","sentiment_score":0.054194774478673935},{"text":"That's fine.","start":52.055,"end":52.855003,"sentiment":"neutral","sentiment_score":0.12623034045100212},{"text":"That's fine.","start":52.855003,"end":53.675003,"sentiment":"neutral","sentiment_score":0.24119973182678223},{"text":"Sharon Joy Carey.","start":62.23,"end":63.53,"sentiment":"neutral","sentiment_score":0.03636673465371132},{"text":"Second of the third, 1963, and Unit 111 Johnson Street, Stanthorpe.","start":63.75,"end":68.649994,"sentiment":"neutral","sentiment_score":0.04007277451455593}],"sentiment":"neutral","sentiment_score":0.07047134961344693,"num_words":19,"start":51.735,"end":68.649994},{"sentences":[{"text":"Just bear with me a minute.","start":80.475006,"end":81.855,"sentiment":"neutral","sentiment_score":0.16614018132289252},{"text":"I probably got the slowest status setup.","start":84.075005,"end":87.77,"sentiment":"neutral","sentiment_score":-0.2761267381055014},{"text":"You've done everything cap.","start":87.909996,"end":89.45,"sentiment":"neutral","sentiment_score":-0.16980712488293648},{"text":"You've done everything cap on it, like, what's supposed to be done.","start":92.71,"end":95.77,"sentiment":"neutral","sentiment_score":-0.13499106466770172},{"text":"Mhmm.","start":113.57,"end":114.07,"sentiment":"neutral","sentiment_score":-0.004180908203125}],"sentiment":"neutral","sentiment_score":-0.10797827541828156,"num_words":30,"start":80.475006,"end":114.07},{"sentences":[{"text":"Yep.","start":114.61,"end":115.11,"sentiment":"neutral","sentiment_score":-0.0081365667283535},{"text":"Okay.","start":121.57,"end":122.07,"sentiment":"neutral","sentiment_score":0.08916394412517548},{"text":"I've got it up on my phone, but I haven't got it on my computer yet.","start":122.21001,"end":125.57,"sentiment":"neutral","sentiment_score":-0.03201656311284751},{"text":"So, yeah.","start":125.57,"end":126.784996,"sentiment":"neutral","sentiment_score":0.0538113247603178},{"text":"Okay.","start":127.485,"end":127.985,"sentiment":"neutral","sentiment_score":0.05364714562892914}],"sentiment":"neutral","sentiment_score":-0.012855611298055876,"num_words":21,"start":114.61,"end":127.985},{"sentences":[{"text":"You can go ahead.","start":129.72499,"end":130.785,"sentiment":"neutral","sentiment_score":0.04216862190514803},{"text":"Yeah.","start":131.405,"end":131.72499,"sentiment":"neutral","sentiment_score":0.03230113536119461},{"text":"You can 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it.","start":331.91,"end":332.87003,"sentiment":"neutral","sentiment_score":-0.00992630608379841}],"sentiment":"neutral","sentiment_score":-0.003572462448993555,"num_words":26,"start":320.79498,"end":332.87003},{"sentences":[{"text":"No.","start":332.87003,"end":333.03,"sentiment":"neutral","sentiment_score":-0.08832715451717377},{"text":"Sorry.","start":333.03,"end":333.27002,"sentiment":"neutral","sentiment_score":-0.12459054589271544},{"text":"I've got it up in my phone.","start":333.27002,"end":334.23,"sentiment":"neutral","sentiment_score":-0.097421509878976},{"text":"It's not on my computer yet.","start":334.23,"end":335.99002,"sentiment":"neutral","sentiment_score":-0.12084085245927174},{"text":"Sorry.","start":335.99002,"end":336.31003,"sentiment":"neutral","sentiment_score":-0.090278260409832}],"sentiment":"neutral","sentiment_score":-0.10688697779551148,"num_words":16,"start":332.87003,"end":336.31003},{"sentences":[{"text":"I'm not 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I find it online?","start":2475.085,"end":2476.385,"sentiment":"neutral","sentiment_score":0.08776809275150299},{"text":"Oh, no.","start":2478.51,"end":2479.1501,"sentiment":"neutral","sentiment_score":0.07491374015808105},{"text":"It's done.","start":2479.1501,"end":2480.05,"sentiment":"neutral","sentiment_score":0.07116668671369553},{"text":"Actually, it's done.","start":2480.1902,"end":2482.6702,"sentiment":"neutral","sentiment_score":0.25969507296880084},{"text":"I've done it.","start":2482.6702,"end":2483.49,"sentiment":"positive","sentiment_score":0.6119410594304403}],"sentiment":"neutral","sentiment_score":0.2230606476465861,"num_words":15,"start":2475.085,"end":2483.49},{"sentences":[{"text":"Yeah.","start":2483.79,"end":2484.29,"sentiment":"neutral","sentiment_score":0.2179524004459381},{"text":"I think I'd like a hard copy to have you in case I you'd never know 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Sharon speaking.\n\nChannel 0: Hi, Sharon. It's Dana from Okie Finance. So how are you this morning?\n\nChannel 1: Very well. Thank you. How are you?\n\nChannel 0: Yeah. Good. Thank you. I had you booked in this morning just to run through your updated statement of advice with the new recommendations there. Is now still a good time?\n\nChannel 1: Yeah. That's fine. Totally fine. Yes.\n\nChannel 0: Fantastic. I have the email just sent through to you with the document attached so you can look at it as I'm going through things. Are you able to access your email, sir, at the moment?\n\nChannel 1: Can you bear with me? I'll try and get on my computer so I can read it better.\n\nChannel 0: Yeah. That's\n\nChannel 1: Okay.\n\nChannel 0: absolutely fine.\n\nChannel 1: Okay. It might take me a little bit. Just bear with me.\n\nChannel 0: No. That's okay. Look, just while you are doing that, I just have to let you know our calls are recorded for training and quality purposes. Are you okay with us proceeding with that?\n\nChannel 1: Yep. That's fine. That's fine.\n\nChannel 0: Fantastic. And I'll just do a quick security check here with you as well just to confirm your full name, your date of birth, and address that I should have on file.\n\nChannel 1: Sharon Joy Carey. Second of\n\nChannel 0: Yep.\n\nChannel 1: the third, 1963, and Unit 111 Johnson Street, Stanthorpe.\n\nChannel 0: Perfect. Thank you so much for that.\n\nChannel 1: Just bear with me a minute.\n\nChannel 0: No. That's okay. You take your time. Honestly,\n\nChannel 1: I probably\n\nChannel 0: it's\n\nChannel 1: got the\n\nChannel 0: not\n\nChannel 1: slowest\n\nChannel 0: an issue at all.\n\nChannel 1: status setup. You've done everything cap.\n\nChannel 0: I'm so sorry. What was that?\n\nChannel 1: You've done everything cap on it, like, what's supposed to be done.\n\nChannel 0: Yeah. Yeah. Yeah. Absolutely. I just said it's best if if you're able to open it up, and that way we can go through it together so you can see what I'm talking about.\n\nIt kinda gives you a little bit more context, and and then you're able to ask questions as we're going through it. Take as I said, take things a little bit slower for you to make it easier.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: That's okay.\n\nChannel 1: Okay. I've got it up on my phone, but I haven't got it on my computer yet. So,\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: okay.\n\nChannel 1: Okay.\n\nChannel 0: Did\n\nChannel 1: You\n\nChannel 0: you\n\nChannel 1: can go\n\nChannel 0: want me\n\nChannel 1: ahead.\n\nChannel 0: to sort\n\nChannel 1: Yeah.\n\nChannel 0: of yeah?\n\nChannel 1: You can start. Yep.\n\nChannel 0: That's okay. All good. Now you're looking at the statement of advice there prepared for yourself, Sharon Carey, as of the 08/20/2026. On the bottom of the first page, it has my authorized representative number. So I'm a licensed financial adviser through Affic, and my registration number is 1304394.\n\nOkay?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Excellent. The next page, as you kinda just scroll down through, it has the best interest duty. So this is making sure you're aware that any advice we do provide is done under the best interest, Judy. This is part of the corporation's act. So it's about making sure we understand enough information about you and yourself and your goals and your circumstances to be able to provide financial advice to help you work towards your financial goals.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. On pages number three and four and five, we have a yes. It's called scoping in and out. So these are areas that we are considered are considering as part of the advice that we have superannuation and your insurances. You've\n\nChannel 1: Yes.\n\nChannel 0: got life cover. You are happy to keep that life cover. I have not made any changes to recommendations on that. It's just that because that is paid out of your super fund, we need to make sure we consider that as part of your projected outcome. Okay?\n\nChannel 1: Right. Okay. Yep.\n\nChannel 0: Excellent. We've got scoping the state planning. So you are in the process of having your will and power of attorneys drafted up, and we talked about altering your beneficiary nominations so that your super and your life cover could be directed through to your will and form part of your state. That way, it sorta helps to limit the amount of tax payable by by your children in the event of a death claim. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. I've also slightly scoped in by a Social Security aspect. So because you are wanting to access super at around about age 57, I've considered what these recommendations can do with the projected outcome, so what we're looking at over the next four to five years, but also factoring in when you get to that point, whether Social Security, whether the age pension is also gonna be a consideration, and how that might help your super. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. On page number five, we've got scoping out the areas that we're not looking at as part of the advice. And this is where we talked about that retirement side of things and the transition retirement strategy. We had that originally. You and I just\n\nChannel 1: Yep.\n\nChannel 0: agreed to kind of push that back for a little bit. We'll come back in a few months and reassess that. We'll just start small and work on what we're doing now, and then we'll come back and deal with that and look at other strategies down the track for you. Does that all make sense?\n\nChannel 1: Yep. Yep. It\n\nChannel 0: Yep.\n\nChannel 1: does. Sorry. I'm still\n\nChannel 0: Excellent.\n\nChannel 1: trying to get it up on my computer. I\n\nChannel 0: That's\n\nChannel 1: thought\n\nChannel 0: okay.\n\nChannel 1: So where what\n\nChannel 0: Is\n\nChannel 1: page\n\nChannel 0: it\n\nChannel 1: are we up to?\n\nChannel 0: good? I'm currently on page number eight.\n\nChannel 1: I lost\n\nChannel 0: Yep.\n\nChannel 1: you. Hang\n\nChannel 0: That's\n\nChannel 1: on.\n\nChannel 0: okay. You're fine.\n\nChannel 1: 78. Okay. I've got it up not on my phone, but I've got it up in my computer. So yeah.\n\nChannel 0: Oh, beautiful. A little bit bigger and bit easier\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: mean,\n\nChannel 0: see.\n\nChannel 1: I haven't got it. No. Sorry. I've got it up in my phone. It's not on my computer yet.\n\nSorry. I'm not sorry.\n\nChannel 0: That's\n\nChannel 1: I've\n\nChannel 0: okay.\n\nChannel 1: got the\n\nChannel 0: You're\n\nChannel 1: worst\n\nChannel 0: absolutely you're fine.\n\nChannel 1: worst\n\nChannel 0: It's\n\nChannel 1: setup.\n\nChannel 0: all good.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem at all. Down from sort of that page, page seven and eight onwards, you've got sort of a scoping of where your assets and liabilities are your current super balance and your life insurance noted down there. So that's all that we had noted as per our last conversation. So super balance is currently up to a 153,304 and 30¢, and you have about a hundred and twenty four thousand seven ninety three in life cover through a sender there. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Page number nine is about the risk profiling. So that was those questions we talked about where you're currently\n\nChannel 1: Yep.\n\nChannel 0: invested in a growth portfolio, which essentially sees 80% of your people invested in those growth assets. When we reassess your risk profile and you had scored there as a balanced investor, but you are more comfortable stepping down the risk level in smaller increments. So we agreed to start with a balanced growth environment and start to reduce risk slowly, so it's not such a big change there. Okay.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Excellent. If you go down to page number 11, this is where the recommendations are essentially starting for you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now this is basically stating that that we are recommending that you do retain your net wealth super account and that we look at switching the investment. We're recommending you retain continue to have your super contributions directed into your NetWealth account, and I'll take you through the changes shortly. Essentially, this is just noting that we're changing the investments to reduce your risk level in the market. So in that growth kind of environment you're in at the moment, it generally suits somewhere within approximate time frame of six years before accessing the super, and that's because having 80% invested in those growth assets like shares and e and exchange traded funds, like international exchange shares,\n\nChannel 1: Yes.\n\nChannel 0: you are taking a bit more risk in the market, and therefore, you are exposing yourself to more market ups and downs, especially as your balance continues.\n\nChannel 1: Yep.\n\nChannel 0: Because you are 63 this year and wanting to access these around about age 67, you have a smaller time horizon. So starting to reduce your risk in the market, and doing it at smaller increments means that we're stepping down gradually. We're not making very large changes, but\n\nChannel 1: Yeah.\n\nChannel 0: it's working towards protecting your capital. So as you reduce your risk level, you expect less market ups and downs that make you feel very nervous. Does that make sense?\n\nChannel 1: Yep. I just yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Now I will get my team to send you a copy of this. It's a hard copy on Monday, so that should come in the post for you soon.\n\nChannel 1: Yes.\n\nChannel 0: That way you can kinda read through this. But I essentially have the best interest duty there, which outlines how this works in relation to your goal. It's\n\nChannel 1: Yes.\n\nChannel 0: relating the recommendations back to your goals, some why it is in your best interest to reduce your risk and alter the investments within there. Okay?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Excellent. To sort of show you what we're going to do, if you sort of move down for me to page number 18, this is the fee comparison table. Yeah.\n\nChannel 1: Okay. I've got it here.\n\nChannel 0: Perfect. So with this table, you'll see four columns there. The ones that we're focusing on are the current and recommended and differences column. So the current has your current balance at the top, and then we've also got underneath that the administration fees, investment fees, the ongoing service fee for us looking after and providing financial advice for you, the contributions going in, and your current insurance premium deducted there as well.\n\nChannel 1: Yep.\n\nChannel 0: Below that, we have the total cost of the fund, the total percentage weighted costing, and the investor profile, which is that growth environment. And then the five year rolling average is the very bottom, and that's essentially showing you with your current portfolio what this has averaged over the past five years. Being in that growth environment, this portfolio has averaged around about 10.72%. What\n\nChannel 1: Yes.\n\nChannel 0: I'm recommending is that we retain your Netwealth super account but that we switch your investment. It does mean that there is a CGT impact for your super fund. So your super fund, just like you, does a tax return every year. And when I went back and looked at the cost, the super fund would have to account for for making the switch in the investment, is $511. So your super\n\nChannel 1: Yes.\n\nChannel 0: fund will pay a capital gains tax of $511 in order to make the switch in the investment.\n\nChannel 1: Right.\n\nChannel 0: Retaining that's okay. Does that make sense so far? Do you have any questions at all?\n\nChannel 1: No. It's not. Not. That's\n\nChannel 0: Mhmm.\n\nChannel 1: fine. Yeah. Yep.\n\nChannel 0: Excellent. Underneath that recommended column, we start with a separate balance. So once we've taken away the CDT cost, we expect your super balance to be sitting at a $152,007.94. So that's the current balance minus the CDT impact for the switch. Underneath that, you've got your administration fees.\n\nBecause we're retaining net wealth, there's no change to the super fund. The administration fees will stay the same.\n\nChannel 1: Right.\n\nChannel 0: But\n\nChannel 1: Okay.\n\nChannel 0: underneath that, you'll see the investment fee actually decreased. So the newer portfolio as a whole is actually cheaper than your current portfolio, and we should be able to save about $88 in investment fee. So that's less money being paid for investment fees and more money staying in your super fund working harder for you. Okay?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Excellent. Our ongoing service fee does decrease a little bit there just because, obviously, the balance has decreased slightly. We do expect that to be about $32 cheaper. Your contributions continue to go in at the same rate, and your insurance premiums, no change there either.\n\nChannel 1: Right. Okay.\n\nChannel 0: Under yeah. Underneath that, the investor profile, you've got your balance growth portfolio. So this is reducing your risk level a little bit. And when we look at this balance growth portfolio, it's averaged about 10.02%. So it's almost kept up with that growth portfolio and is performing really, really well, but it's also reducing the risk level a little bit for you.\n\nOkay?\n\nChannel 1: Right. Yep. Yep.\n\nChannel 0: Excellent. So it's only performed about 0.70% less than the current growth portfolio, which is quite good. It's\n\nChannel 1: Yep.\n\nChannel 0: kept up fairly nicely. It's providing good returns still,\n\nChannel 1: Yep.\n\nChannel 0: but it's also reducing your risk level, which is about protecting your capital. Okay?\n\nChannel 1: Right. Okay. Yep. So what did you say? What page what are you blocking?\n\nWhat page am I on?\n\nChannel 0: We're on page 18. We're going down to 19\n\nChannel 1: Oh, we\n\nChannel 0: now.\n\nChannel 1: still want 18. Sorry. My computer's\n\nChannel 0: Yep.\n\nChannel 1: just coming. That's all. Yeah. Okay. We're still\n\nChannel 0: That's\n\nChannel 1: on yeah.\n\nChannel 0: okay.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. You're\n\nChannel 1: Right.\n\nChannel 0: fine.\n\nChannel 1: Yep. Okay. Okay. I'm on on on my\n\nChannel 0: Perfect.\n\nChannel 1: computer now, so I can read it better. So yeah.\n\nChannel 0: That's okay. That's alright. Just let me know when you're down on page number 19 there.\n\nChannel 1: 19. Okay. I'm down to 19. Yep.\n\nChannel 0: Beautiful. Now this is a projected balance. Essentially, this is taking all the information from that previous table and correlating it into a projection. So in the current portfolio, which is where you're taking more risk in that growth environment, if you stayed exactly where you are and the market was able to perform and provide that 10.70% over the next four to five years, you can essentially see where you're expected to end up. So with about 215,000 in four years or with about 200 and 34,000 in five years\n\nChannel 1: Yeah. Right. Yes.\n\nChannel 0: there. With the recommendations yeah. With the recommendations, we are reducing the risk level down to that balanced growth environment. So instead of having 80% in those higher risk investments, we only have 70% of your funds there. We know that the the expected average return is a little bit less, so we do know we expect the projection to be a little bit less as well.\n\nHowever, it's not too bad. It's only showing over the next four to five years a difference of around 5 to 7,000 from your current. So that newer portfolio is reducing risk. It's still providing a decent return, but we know it's it's expected to be less than where you would currently be if you kept and had that higher\n\nChannel 1: Yeah.\n\nChannel 0: risk\n\nChannel 1: But\n\nChannel 0: level.\n\nChannel 1: there's\n\nChannel 0: Does that\n\nChannel 1: no huge\n\nChannel 0: make sense?\n\nChannel 1: there's not a huge difference in it, really. Hypothetical.\n\nChannel 0: No. Correct.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: yeah.\n\nChannel 0: Correct.\n\nChannel 1: Yes.\n\nChannel 0: Correct. It's keeping up really, really nicely. The main thing that's important is that it is reducing your risk level for you. So we're starting to protect your capital a little bit. We still know you're gonna feel those ups and downs, but not as as much as you would in that growth environment there.\n\nOkay?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yep. Beautiful. Do you have any questions so far, Sharon? Does that make sense so far?\n\nChannel 1: Some with Super, there was talk of the government bringing in for it to to be taxed with Super. Is that gonna happen? Do you think?\n\nChannel 0: Well, super is currently tapped in certain ways. So income within the accumulation phase, which is where you're at the moment. So before you retire with your super, you're in that accumulation phase because you're accumulating wealth. Inside super, they do tax income at 15% and\n\nChannel 1: Yes.\n\nChannel 0: capital gain. So changes to investments are also kept inside super. If you withdraw super prior to the age of 60, there are taxation consequences if you meet those conditions of release. But at the moment, super as a whole, if you are over 60 and you're accessing super and you meet those conditions of release, it's fully tax free.\n\nChannel 1: Yes.\n\nChannel 0: I don't\n\nChannel 1: Right.\n\nChannel 0: see how they could change anything with regards to that because, realistically, they want you to build super, and it's got it's gotta be benefits to having super. Otherwise, no one's\n\nChannel 1: That's\n\nChannel 0: gonna\n\nChannel 1: right.\n\nChannel 0: wanna use it. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: But at the moment at the moment, that's not changing. They would probably have to\n\nChannel 1: Yes.\n\nChannel 0: change a lot of the legislation to change a lot of those things. I've heard Albo say quite a lot of different things than what he would like to do with Super.\n\nChannel 1: Yes.\n\nChannel 0: But at the moment, there's nothing changing currently for you. So yeah.\n\nChannel 1: Right. Okay. Alright. Sounds good.\n\nChannel 0: All good.\n\nChannel 1: Yep.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: you go down to page number 20 for me, this is the table showing the changes in the investment.\n\nChannel 1: 20 where am I? Where am I? Where am I? Hang on. You paid 20.\n\nI'm on it. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So you'll see on the first column all the current investments that you do have within the super fund there, and then the the red the buy sell column, which is the red and the green, is essentially showing the changes that we'll make to your portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: So just going through them nice and easily for you, you've got physical gold in there at the moment. You've got about 7% there currently. We only wanna hold about so we wanna hold about 10% total, so we are gonna buy a little bit more physical\n\nChannel 1: Yes.\n\nChannel 0: gold for you.\n\nChannel 1: Yes.\n\nChannel 0: You've got about 33% of the the beta shares a 200. We wanna hold about 20% there, so we're going to sell some of that off to reduce the risk level or reduce some of those Australian equities.\n\nChannel 1: Yes.\n\nChannel 0: At the moment, you've got the Vanguard fixed interest investment. We are selling all of that down to zero. We're gonna replace that in your portfolio. You've also got their beta shares cybersecurity. You have about 5% currently.\n\nWe're gonna sell a little over 3,000 off and bring you back to 4% within the portfolio.\n\nChannel 1: Yes.\n\nChannel 0: You've also got the iShares European exposure. So this is giving you access to all the European countries. In your current portfolio, you had you have 4%. We wanna hold about 7% there, so we're going to buy a bit more of that investment. Okay?\n\nChannel 1: Right. Okay. Yep.\n\nChannel 0: Yep. The next one down is also European exposure. You currently have 4% of that, and we don't want any of that. We're going to utilize the ICS European exposure because it's cheaper investment and it gives you greater diversification. So we're gonna sell all that ISA's MSCI European exposure.\n\nOkay.\n\nChannel 1: So\n\nChannel 0: That'll\n\nChannel 1: if\n\nChannel 0: go\n\nChannel 1: you\n\nChannel 0: to\n\nChannel 1: sell\n\nChannel 0: zero.\n\nChannel 1: that if if you sell that, do you reinvest it into anything else? Is that a stupid question?\n\nChannel 0: Yeah. We are. Yeah. No. It's not.\n\nIt's definitely not a silly question. Absolutely. So, essentially, we start by doing all these, sell. So all the red ones that are minusing, we sell all those off, and that, basically, green. So that money is being reinvested back into other investments for\n\nChannel 1: Right. Okay. Right here. Because\n\nChannel 0: you.\n\nChannel 1: that\n\nChannel 0: Yeah.\n\nChannel 1: van\n\nChannel 0: Yeah.\n\nChannel 1: that Vanguard, like, that was I don't know. I don't know if it's still in black. It's in the I don't know. It's got minus thirty nine two. I see.\n\nSo what are you gonna you're gonna not gonna have that in there anymore?\n\nChannel 0: That will be gone. And instead of that investment, we're gonna have the iShares core composite fund. So bonds like fixed interest, defensive assets, we're gonna hold 24% of bonds. Essentially, bonds are think of them like term deposits. You put your money into\n\nChannel 1: Yeah.\n\nChannel 0: a a bond,\n\nChannel 1: The more return\n\nChannel 0: and\n\nChannel 1: you\n\nChannel 0: you're getting\n\nChannel 1: get.\n\nChannel 0: income.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Correct. Correct. But these are also cheaper investments and have performed greater over the past. So it's all part of kind of readjusting your portfolio and moving money into other areas where we've seen greater growth, but\n\nChannel 1: Yes.\n\nChannel 0: also other protections there. So\n\nChannel 1: Yes.\n\nChannel 0: we are still kicking those defensive assets. We're just moving the money into something else. So the core\n\nChannel 1: Yes.\n\nChannel 0: composite funds at the bottom, that will\n\nChannel 1: Yes.\n\nChannel 0: replace the Vanguard fixed interest investment. You did only hold 9% in Vanguard fixed interest. We're actually gonna hold 24% in core composite funds because we're increasing the amount of defensive assets you have as well.\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: it'll bring in more return.\n\nChannel 0: Yes.\n\nChannel 1: Is that that?\n\nChannel 0: Yes.\n\nChannel 1: Yes. Well yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yes. Okay. Yep.\n\nChannel 0: Yeah. Excellent. With the the European the the MSCI Europe, we're removing all of that because we're gonna have more of the iShares Europe investment, which is actually cheaper. So we're replacing\n\nChannel 1: Yes.\n\nChannel 0: that. You don't wanna have two European investments. Dreamlining and having one does make it cheaper and better for you. And this iShares Europe investment gives you exposure to all of the European countries, not just one\n\nChannel 1: Yeah.\n\nChannel 0: or\n\nChannel 1: Right.\n\nChannel 0: two. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. We've also got the iShares MSC Isomitsky Japan in there. You currently hold 4%. We're reducing your weighting to 3%. So we're just gonna sell off $1,624.86.\n\nIt's reducing\n\nChannel 1: Yeah. Right.\n\nChannel 0: your exposure.\n\nChannel 1: Yes.\n\nChannel 0: Yep. The S and P 500, the iShares S and P 500, that is exposed into the top 500 companies on The US market. You currently have 26.14% in there. We only or we wanna hold 25% total, so it means we're gonna sell off a little over 2,000 to reduce your exposure into that investment there. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. And then you've got the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there.\n\nChannel 1: Yep.\n\nChannel 0: So you don't hold any of that at the moment. One of the big things about reducing risk is diversifying across the globe, and this investment does that. So we wanna hold about 7% in your portfolio, which means we're gonna buy about $10,588 of that investment.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Right. Okay. Yep. Yep.\n\nChannel 0: Yep. And then you've got the core composite bonds. 24 of the holding will be added to your portfolio, and that is to replace the fixed interest component within your portfolio.\n\nChannel 1: Right. Okay. Yep. Yep.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense? Do you have any questions about that table at all?\n\nChannel 1: No. No. No. No. No.\n\nNo.\n\nChannel 0: That's okay? Yep. Beautiful. If you look at the last column of that table, the target weighting, that essentially shows what you're gonna see in your portfolio at the end of it. So based on the balance, we would expect to have about 15,000 in physical gold, 30,000 in the Australian 200, the top 200 companies on the Australian AOSX, a little over 6,000 in cybersecurity, a bit over 10,000 in the European exposure, a bit over 4,000 in the Japanese exposure, a bit over 37,000 in the S and P 500 for the American market.\n\nThe all world, a bit over 10,000 there, and then 36,000 a little over in the in the bonds and the defensive component for you. Okay.\n\nChannel 1: So where was that where was that title?\n\nChannel 0: That's the very last column of that same table we were just going through.\n\nChannel 1: Oh, I see. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Excellent. Do you have any questions? Does that all make sense so far?\n\nChannel 1: Well, pretty much much as it came to me. Yeah. Yeah.\n\nChannel 0: That's\n\nChannel 1: Yes.\n\nChannel 0: okay. Are there any questions that come up? Well, there's no such thing as a silly question. So is there any questions that have come up that you kind of wanted to have answered?\n\nChannel 1: No. No. No.\n\nChannel 0: Or no.\n\nChannel 1: I don't think\n\nChannel 0: That's\n\nChannel 1: so.\n\nChannel 0: okay. That's okay. On the next page, on page number 21 sorry. This is showing the amount of cash. So all funds need to have a a cash component.\n\nThere's some money that's held in cash. This shows that at the moment, you've got 3.84% in cash, which means you're currently holding $5,886 in cash. We\n\nChannel 1: Right.\n\nChannel 0: only wanna hold 1% cash, which is a bit over $1,500 there. So we're gonna take the $4,353 of your cash and have that invested in a table above as well. Okay?\n\nChannel 1: Right. Okay. Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: That makes sense.\n\nChannel 1: Yep. It does. So the total\n\nChannel 0: Yep.\n\nChannel 1: at the bottom of that what's the total at the bottom of that? That's what my system no.\n\nChannel 0: That's the total balance. Yeah. That's the cash component plus the investments above in the other table we went through. Yeah.\n\nChannel 1: Right. So that's what I have in my super. Is that right? No.\n\nChannel 0: That's what you will have in the sleeper after the change. Yes. Correct.\n\nChannel 1: Right. Okay. Alright. Yep. Okay.\n\nSounds\n\nChannel 0: Does that\n\nChannel 1: good.\n\nChannel 0: make sense? If it\n\nChannel 1: Yeah.\n\nChannel 0: doesn't,\n\nChannel 1: It does.\n\nChannel 0: please let me know.\n\nChannel 1: No. It does. I was just wondering where where that ticket come from. That's all. Yep.\n\nNo.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: That's fine.\n\nChannel 0: No. That's absolutely fine. So, essentially, your balance at the moment is 153,304. After we make the switch and change those investments as per that table there, you'll end up with a 152,794. So that's after the capital gains consequence for switching or changing the investments has gone into play.\n\nAnd\n\nChannel 1: Yes.\n\nChannel 0: that is that $1.52 $7.09 8 that you see on the cash total, that is the total of the $1,500 in cash that we will have left in your cash account, plus\n\nChannel 1: Right. Okay.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: total investments from the table above once we've made that change. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: It does. It does.\n\nChannel 0: Yes.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: All good. Perfect. Now if you go down to the next page for me, you've got the asset allocation.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now this is just showing you essentially what the changes will look like. So if we're we're just looking at you've got four or five columns, the asset allocation, risk profile, existing, proposed, and varied.\n\nChannel 1: Yep.\n\nChannel 0: I'm just sort of looking at the the risk profile, the existing, and the proposed, so the middle three column. If you look at the growth total and the defensive total, these are the highlights in bold columns. Your risk profile as a balanced growth investor would see about 70%\n\nChannel 1: Yes.\n\nChannel 0: in growth investments, which are these sorts of things here. It's alternative growth assets, property,\n\nChannel 1: Yes.\n\nChannel 0: international equities, and Australian equities there. And then the other 30% would be in defensive lower risk investments like cash, bonds, and fixed interest, essentially.\n\nChannel 1: Yeah. Right.\n\nChannel 0: In your\n\nChannel 1: Okay.\n\nChannel 0: existing growth yeah. In your existing\n\nChannel 1: Yes.\n\nChannel 0: growth portfolio, you're currently weighted at 87% so 87.08% in those growth investments\n\nChannel 1: Yes.\n\nChannel 0: and 12.92% in defensive investments. By making the changes in this document, we can see you reduce your growth assets\n\nChannel 1: Yes.\n\nChannel 0: to 76%. That's reducing how much you have in those higher risk investments and then increasing the defensive component to 24%. Does that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And the various column, the 6% there, that's essentially saying that from the expected risk profile of 70%, you're gonna have 76% in growth asset. So it's it's adding 6% in. And with the defensive component, it's basically subtracting 6% from where the 30% would be. Does that make sense?\n\nChannel 1: Yes. Yes. It does. Yep. Yep.\n\nChannel 0: Yes.\n\nChannel 1: It does.\n\nChannel 0: Beautiful.\n\nChannel 1: Yes.\n\nChannel 0: Excellent. Excellent. If you go down to the next page for me, we've got the return and projected out outcome there. So this is sort of showing based on your current circumstances, when you get to\n\nChannel 1: Yeah.\n\nChannel 0: the age of 67 and fully retire, this is the projected outcome that we would see based on your current recommendation?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: Yes.\n\nChannel 0: So your goal target income was to earn about 57,200 on a yearly basis from Super and also from a pension if possible there as well. With the recommendations, it is important to be reducing risk as you get closer to accessing super because you don't wanna go into those time years seeing very heavy market fluctuations.\n\nChannel 1: Yes.\n\nChannel 0: But based on the recommendations and the projected outcome, if you then retire at age 67 based on, you know, current current assets, your super, and the possibility of age pension, we can see that you're eligible for a pension there, And then supplementing a little bit of your super from that as well. Be expected to get your super lasting till around about age 91. You would be able to draw about 50533. So it doesn't quite meet your target goal. It's essentially saying you'd be living on about $6,667 less than what you wanted to earn in retirement to make that last longer.\n\nWhen\n\nChannel 1: Right.\n\nChannel 0: you get to retirement, you it doesn't mean you can draw down the amount you need to live on, but your super won't last as long as what is expected.\n\nChannel 1: You're\n\nChannel 0: So\n\nChannel 1: right.\n\nChannel 0: this is sort of showing you in order to get your super to last as long as possible to age maybe 91, this is essentially the target income you'd be able to draw down. So, realistically, this is not quite meeting your goal yet, but we're not quite there. We've got a bit of time ahead of us. So we can still look at the PCR option down the track. We can also look at increasing contributions down the track to kinda help provide that boost, and\n\nChannel 1: Yes.\n\nChannel 0: it also depends upon market return. So we've averaged in the projection table about a 10.07% return currently.\n\nChannel 1: Yes.\n\nChannel 0: However, the market could perform better, which could provide a greater amount of growth to your super. So we just need to reevaluate it, keep looking at things, and working longer towards, you know, what we do.\n\nChannel 1: Yes.\n\nChannel 0: And then when you get to, you know, the age where you actually wanna retire, then we reassess this again and look at what the expectation is based on your balance at that time. So this is just giving you an idea of the projected outcome. It's not a definite. It's saying based on what we know, what we have, this is where\n\nChannel 1: Now\n\nChannel 0: we're tracking for.\n\nChannel 1: Yes.\n\nChannel 0: Now correct. But it can definitely change in the future there. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: That yeah. It does. So meanwhile, while I'm when I'm retired and I'm withdrawing that\n\nChannel 0: Mhmm.\n\nChannel 1: little bit amount of super and I'm getting my pension, what's left in my super\n\nChannel 0: Mhmm.\n\nChannel 1: fund is still working, is it?\n\nChannel 0: Correct. It is still invested. It's still working. It's still growing. Correct.\n\nThe main thing is we don't get the higher returns. So we also use a very conservative retirement figure. Most people\n\nChannel 1: Yes.\n\nChannel 0: in their retirement years are very much conservative, probably attracting for around about a five to 6% return in those retirement years.\n\nChannel 1: Yes.\n\nChannel 0: So we know the returns are expected to be lower. We wanna generate income so we have more of those defensive cash investments like fixed interest and bonds because\n\nChannel 1: Yes.\n\nChannel 0: we wanna generate more cash out of the portfolio, which helps your drawdown. And you'll\n\nChannel 1: Yep.\n\nChannel 0: see, depending on market reactions could last longer than this, and we could get a greater benefit to it.\n\nChannel 1: Yep.\n\nChannel 0: But it's about just reassessing it down the track. But yeah. Yeah.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Does that make\n\nChannel 1: Yes.\n\nChannel 0: sense?\n\nChannel 1: It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. It kinda\n\nChannel 1: Yep.\n\nChannel 0: shows you where we're tracking for. And, look, it's by no means bad. You still can draw a good income that you are gonna be eligible for the age pension. And in the next year, four to five years, the age pension is also in debt and reevaluated by a year on the March 20 and September every year. So by the time you get to retirement, the age pension could be higher than where\n\nChannel 1: Yes.\n\nChannel 0: it is now. Your\n\nChannel 1: Yes.\n\nChannel 0: super balance, I'm hoping to have a lot higher than where it is now as well, and we'll be able to look at a way to draw down out of both of those to make sure it lasts as long as possible for you. Okay?\n\nChannel 1: Yeah. Right. Yep. Yep. Yep.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Do you have more questions? Has anything kinda come up that you\n\nChannel 1: No.\n\nChannel 0: wanted\n\nChannel 1: Because\n\nChannel 0: me\n\nChannel 1: it\n\nChannel 0: to kinda\n\nChannel 1: makes more\n\nChannel 0: clarify\n\nChannel 1: sense\n\nChannel 0: more\n\nChannel 1: it makes more\n\nChannel 0: for you?\n\nChannel 1: sense\n\nChannel 0: Or\n\nChannel 1: to me than it did last time. Yeah.\n\nChannel 0: oh, that's good. That's good.\n\nChannel 1: Yeah.\n\nChannel 0: It is a lot. I fully understand that. As I sort of said, let's do it a little bit easier for you. But I'm still happy to have the actual document posted out to you as a hard copy to make it easier for you to read through\n\nChannel 1: Yes.\n\nChannel 0: as well.\n\nChannel 1: Yes.\n\nChannel 0: But, yeah, it's all\n\nChannel 1: Yep.\n\nChannel 0: good.\n\nChannel 1: Yep.\n\nChannel 0: The next page down is just about retaining your insurance level.\n\nChannel 1: Yep.\n\nChannel 0: Sorry.\n\nChannel 1: Yep.\n\nChannel 0: You've got your life insurance cover there. You were happy to keep that for a little bit longer, so we're just retaining that. It is paid out of super and can have an effect on that for you. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: If you go down to page number 25, I can sort of show you that impact there.\n\nChannel 1: Yep. I brought it up.\n\nChannel 0: Yep. Beautiful. So on the bottom of page number 25, you've actually got a heading that says outcome, and underneath that, we have another table with the current recommended and no insurance. Can you see that there?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So this is the same as the projection table. The current is basically your current portfolio with the current projected outcome,\n\nChannel 1: Yep.\n\nChannel 0: noting that over the next four to five years, this is where we could see if you don't make any changes in your super fund now. The\n\nChannel 1: Yes,\n\nChannel 0: recommended is\n\nChannel 1: ma'am.\n\nChannel 0: showing by reducing risk with the current recommended outcome. This is where the projected outcome is expected to be, which isn't too bad at all.\n\nChannel 1: Yes.\n\nChannel 0: The no insurance column is just to show you a comparison. If you did not have insurances, essentially, this is where the projected outcome could end up after we change your risk and change your portfolio over. So it's\n\nChannel 1: Mhmm.\n\nChannel 0: just about understanding that, you know, in the next four to five years, by having the insurance paid out of super, it does reduce how much you are expected to end up within retirement, but there's also a level of you need the insurance\n\nChannel 1: Yes.\n\nChannel 0: if you wanna keep the insurances, so, you know, understanding that. It's not a big impact over the next five years. Essentially, by not having insurance premiums paid, you could end up with about 230,000 there\n\nChannel 1: Yes.\n\nChannel 0: Under the recommended, we're still recommending you end up with about 226,000 in super.\n\nChannel 1: Which\n\nChannel 0: So\n\nChannel 1: is not\n\nChannel 0: it's not\n\nChannel 1: this\n\nChannel 0: a very\n\nChannel 1: is not\n\nChannel 0: large impact?\n\nChannel 1: v. Yes. Yes. It's not\n\nChannel 0: Correct.\n\nChannel 1: v.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Correct. But we just like to show you that to show you that we understand that there is an impact on on the retirement outcome with this, and\n\nChannel 1: Yes.\n\nChannel 0: this is essentially what that that impact looks like. Okay?\n\nChannel 1: Yes. Yep. Yep.\n\nChannel 0: Excellent. On all of these pages, when you are when you take some time to read it through, I've outlined the best interest duty for you, which outlines\n\nChannel 1: With your life\n\nChannel 0: the\n\nChannel 1: insurance.\n\nChannel 0: the reasoning behind my recommendations, yeah, and then relates\n\nChannel 1: Yes.\n\nChannel 0: it back to your goal.\n\nChannel 1: Yes.\n\nChannel 0: We've also got the advantages, the disadvantages, and the risks involved. I outlined some of those as part of our conversation, but going through all of them becomes a lot. So I'll let you go back and have a bit of a read through those as well.\n\nChannel 1: Yes.\n\nChannel 0: I've also got any alternatives that we have considered as part of the research, the the advice for you. Okay?\n\nChannel 1: Yep. Yep. Yep. For\n\nChannel 0: Excellent.\n\nChannel 1: sure.\n\nChannel 0: And then down on page number 29, we just have the beneficiary side of things as well. So as we kinda went through updating your beneficiaries, you wanted to make sure that if anything happens, that\n\nChannel 1: Yes.\n\nChannel 0: your kids are looked after with the super and the life cover paid out to them.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Because inside superannuation, there is a tax impact on the taxable component where non tax dependent, so children over the age of 18 or non tax dependent, can pay up to 17% tax on the amount. So having it directed through your will and picking what's called legal personal representative,\n\nChannel 1: Yes.\n\nChannel 0: That means that if anything happens to you, your super and your life insurance premiums are paid to your estate, and then they will be distributed alongside your will as per your direction.\n\nChannel 1: Yep.\n\nChannel 0: It does\n\nChannel 1: Right.\n\nChannel 0: not alleviate a 100% of the tax consequences, but\n\nChannel 1: But\n\nChannel 0: it\n\nChannel 1: there's\n\nChannel 0: does\n\nChannel 1: still\n\nChannel 0: mitigate\n\nChannel 1: it's a low, is it? It\n\nChannel 0: or\n\nChannel 1: lowers\n\nChannel 0: it\n\nChannel 1: it.\n\nChannel 0: does it reduces the amount of tax that would be paid by your dependent if they receive the benefit there for you. So\n\nChannel 1: Yes.\n\nChannel 0: it is and it gives you a lot more control as to how you want that money paid if it was directed straight to your kids from the from the and the life insurance proceeds. They just receive the benefit as it is. In your will,\n\nChannel 1: Yes.\n\nChannel 0: your lawyer can help you to set up trust or allocate money depending on how good your kids are with money or, you know, their consequences and things like that. So you have a\n\nChannel 1: Yes.\n\nChannel 0: lot more control with your will as to where you want money to be paid to, who you want it to go to, and what percentage you want them to receive of those funds as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Excellent. I outlined again the best interest, Judy, and why I'm making that recommendation for you. I've got below the advantages, disadvantages, and risks in both, so you're fully informed before you decide to take the recommendations. And then I know you were in the process of doing up your will. I believe your niece is a solicitor.\n\nIs that right? The lawyer?\n\nChannel 1: Yes. Yep. Yep.\n\nChannel 0: Yep. Beautiful. And below this, I have also noted that just doing up your will, having a power of attorney put in place, and the advantages, disadvantages, and risks involved there. I know you are in the process of having that done, but I wanted to make sure this still was in the advice document for you to kinda give you a little bit more information around that side of things.\n\nChannel 1: Yes. Yep.\n\nChannel 0: And that way, you've got you've got a bit more clarity on why I'm recommending things the way I am. Okay?\n\nChannel 1: Yep. Yep. Okay. Yep. Okay.\n\nChannel 0: Excellent. The only other thing to kinda clarify is that you do pay us an ongoing service fee, which is 1.65% per annum. Next year, our fees will be changing a little bit, but right now, you're still on the same fee. It is on page number 41, we've outlined what that is. It's expected to be 2,624 for the year.\n\nThe way it essentially works is 1.65% per annum, and then it is deducted smaller monthly increments out of your super. And that sort of is the fee for us looking after your super, providing advice, and keeping you on track towards your goals.\n\nChannel 1: Yes.\n\nChannel 0: As part of that fee, we don't charge any implementation or upfront fees for advice. So we can do two, three, four, five advice documents, as many as you need over the course of the year, and there's no additional charge for those advice documents. It's all incorporated in that ongoing service fee that you do pay for our services.\n\nChannel 1: Right. But\n\nChannel 0: Does that\n\nChannel 1: you\n\nChannel 0: make\n\nChannel 1: really,\n\nChannel 0: sense?\n\nChannel 1: like, as you were doing it up though, you really don't notice that? Really? Like,\n\nChannel 0: No.\n\nChannel 1: do you?\n\nChannel 0: Correct. We yeah. No. Correct. That's the idea is we don't really want it to be a noticeable.\n\nIt's about having it in the background. You kinda want your super to be growing and building to cover the fees that you're paying, but also compounding and building on growth for that as well. So that's\n\nChannel 1: Yes.\n\nChannel 0: essentially\n\nChannel 1: Yes.\n\nChannel 0: how we want it to work, but it's just that also being a professional service and making sure that we are able to earn because there's a lot of cost involved in doing up advice and the research and everything behind the scenes. So\n\nChannel 1: Yes. Yep.\n\nChannel 0: most people just talk to me, but I have a whole team of people that helps me do the research, put the advice together, and do all the bits and pieces.\n\nChannel 1: Yes. Yeah. Yeah. Yes.\n\nChannel 0: So yeah. Excellent. And with your insurance policy with the sender, we're just disclosing that you do so you don't, but the insurance company does pay us a remuneration or an ongoing percentage of the premium. It\n\nChannel 1: Yes.\n\nChannel 0: is paid by the insurance company to us, not by you in any way. So it's just letting you know that this is disclosed.\n\nChannel 1: Yes.\n\nChannel 0: It's got no impact on our advice in any way, shape, or form. We're retaining that policy because it's important to you to retain, But\n\nChannel 1: Yes.\n\nChannel 0: we're expected for the year to receive about a $155 in in essentially remuneration\n\nChannel 1: Yep.\n\nChannel 0: from the insurance company for that policy. Okay?\n\nChannel 1: Yeah. Right. Yep. Yep. Okay.\n\nYep.\n\nChannel 0: Excellent. To make things easier, if you decide to take on the advice, how we will implement it will be you will just sign the advice document and send that it comes back to us automatically once it has been signed.\n\nChannel 1: Can I find\n\nChannel 0: And then\n\nChannel 1: it online?\n\nChannel 0: we will do the switch yeah. Yeah.\n\nChannel 1: Oh,\n\nChannel 0: Absolutely.\n\nChannel 1: no. It's\n\nChannel 0: Yep.\n\nChannel 1: done. Actually, it's\n\nChannel 0: Oh,\n\nChannel 1: done.\n\nChannel 0: thank\n\nChannel 1: I've\n\nChannel 0: you.\n\nChannel 1: done it.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. Did you still want me to get the team to post out the other one to you?\n\nChannel 1: I think I'd like a hard copy to have you in case I you'd never know me. Yeah. I could lose it on\n\nChannel 0: Yeah.\n\nChannel 1: my computer.\n\nChannel 0: Absolutely. That's absolutely fine.\n\nChannel 1: Are we gonna touch base later about that transition into retirement thing too? You were you were gonna look into that.\n\nChannel 0: Absolutely.\n\nChannel 1: Remember that? We were just doing this\n\nChannel 0: Yep.\n\nChannel 1: for now?\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah. Yeah. We're doing this for now, and then we sort of talked about touching base maybe early January and looking at that retirement strategy. Does that sound okay to you? We'll sort of get through this, go through Christmas, and then sort of come back and look at it early next\n\nChannel 1: Yep.\n\nChannel 0: year, or did you wanna do it beforehand?\n\nChannel 1: No. I think after Christmas. Yeah. Yeah. Definitely\n\nChannel 0: Yep. Yep.\n\nChannel 1: after\n\nChannel 0: Beautiful.\n\nChannel 1: yes.\n\nChannel 0: It's crazy. The\n\nChannel 1: Well,\n\nChannel 0: year\n\nChannel 1: Christmas\n\nChannel 0: is flying\n\nChannel 1: is really\n\nChannel 0: by, isn't it?\n\nChannel 1: Christmas is really upon it. So yeah. Yeah.\n\nChannel 0: I know. I know.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, look how we'll implement this to make it easier. You'll just sign and return that back. We will do all the changing of the investments in the background. You might receive an email here or there to let you know that we're making those changes,\n\nChannel 1: Yep.\n\nChannel 0: And then we'll organize and send your beneficiary nominations to you. We'll help to refill those. You'll sign and send them back, and then this is about doing your will and power of attorney through your lawyer or your solicitor. Okay?\n\nChannel 1: Okay. Yep. Sounds great. Okay.\n\nChannel 0: Beautiful. All good. Now with the other document, I do have to let you know, is the ongoing service agreement for us for the next twelve months. That was due to be renewed now as well. So that is the other document attached to the to the statement of advice email there.\n\nDid you just wanna confirm because you said that you had signed that.\n\nChannel 1: Well, I haven't\n\nChannel 0: Has it taken\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: haven't\n\nChannel 0: to the next\n\nChannel 1: pressed I haven't pressed sign.\n\nChannel 0: year?\n\nChannel 1: I haven't pressed to sign yet. Do I press sign all?\n\nChannel 0: If you're comfortable, are you comfortable to sign and take on those recommendations now? Did you wanna go through that again?\n\nChannel 1: Yes.\n\nChannel 0: What would\n\nChannel 1: Yes.\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: what\n\nChannel 1: am.\n\nChannel 0: are you comfortable\n\nChannel 1: Yeah.\n\nChannel 0: with?\n\nChannel 1: I am\n\nChannel 0: Yep.\n\nChannel 1: comfortable with that. Yep. Yep.\n\nChannel 0: Perfect. So if you press the sign button, it'll give you an option to sort of pre fill your signature for you. If you're comfortable with that, you can just click on it, and it will allocate it.\n\nChannel 1: So it's got two buttons. It's got sign and it's got sign all.\n\nChannel 0: So you sign it's just gonna sign one document at a time, or sign\n\nChannel 1: Oh,\n\nChannel 0: all\n\nChannel 1: rubbish.\n\nChannel 0: will allocate your signature to both the documents at the same time to make it easier.\n\nChannel 1: I'll press sign all. I'm not sure do that.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Yep. Is that right?\n\nChannel 0: I'm the same.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: And then what does the next one say? What does it say next?\n\nChannel 1: Place someone below. It's got your date. You gotta put your date and stuff in, which is the twentieth.\n\nChannel 0: Yep. So you just click on that, and it should automatically prepopulate the\n\nChannel 1: It\n\nChannel 0: dates\n\nChannel 1: says next\n\nChannel 0: for you.\n\nChannel 1: next next document.\n\nChannel 0: Yep. And it will take you down, which is the ongoing service agreement there as well.\n\nChannel 1: Yep. And click to start. Next.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Oh my god. It's very little. What I don't know what I've done.\n\nChannel 0: No. That's okay. What's it sort of saying?\n\nChannel 1: Oh, okay. Now I gotta put the date in the dates in. Validate and send completed document. So I press validate and send\n\nChannel 0: Yep.\n\nChannel 1: completed\n\nChannel 0: Beautiful.\n\nChannel 1: document.\n\nChannel 0: Yep. And that will send back to me, and it should it might also send you an email letting you know that's all being done.\n\nChannel 1: Okay. Alright. So that's under oh, that's pretty that's under Netwealth. Alright. For you.\n\nNetwealth.\n\nChannel 0: So, yeah, so Netwealth is the super fund that owes you we're the financial advisers. So we're the financial advisers who help you to monitor. We open the super fund, but Netwealth is the actual super fund that you have.\n\nChannel 1: So therefore, I put that under network file. Was that right or not?\n\nChannel 0: If that's yeah. If you want it under net oh, that's absolutely fine. It's it's more just depending on how your file system works. Did you want the documents noted under or if you as your advisers knowing that we look after all those assets, or what how\n\nChannel 1: Yep.\n\nChannel 0: do you sort of how does it\n\nChannel 1: Well, I've got an APU\n\nChannel 0: work\n\nChannel 1: an APU file. I did have it I've\n\nChannel 0: for\n\nChannel 1: got a Netwealth one too, but I don't know what to put\n\nChannel 0: you?\n\nChannel 1: in what.\n\nChannel 0: That's okay. If you put on honestly, what I sort of do with a lot of my stuff is anything provided by the adviser going under the OC file probably makes it easier because then you can see everything that you've got there. Like, the ongoing service agreement is added\n\nChannel 1: Everything's\n\nChannel 0: to\n\nChannel 1: there.\n\nChannel 0: Netwealth as your super fund, but we're the ones that receive funds. So maybe keeping it all together might be easier for\n\nChannel 1: Just\n\nChannel 0: you.\n\nChannel 1: all under\n\nChannel 0: Yeah.\n\nChannel 1: oak juice. Won't confuse me too much.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. All done. All good.\n\nChannel 0: Beautiful. All good. Well, thank you\n\nChannel 1: Okay.\n\nChannel 0: so much. Now I've just been notified that it has all come back signed, so thank you so much for that. My team will post out the documents to you, hard copy on Monday if you've got a copy of it there. And then if you\n\nChannel 1: Mhmm.\n\nChannel 0: do find you have extra questions, let me know, but we'll go forward and kinda do all the implementation and get the investor switch completed for you. Okay?\n\nChannel 1: Okay. Alright. Sounds good. Okay.\n\nChannel 0: Easy. Is there any questions or anything that's kinda come up, Sharon, that you might wanna have\n\nChannel 1: No.\n\nChannel 0: me follow-up for you? Or\n\nChannel 1: I see I think that's it. I got a bigger picture of it was with\n\nChannel 0: yep.\n\nChannel 1: yeah. Yep. Yep.\n\nChannel 0: Beautiful. Fantastic.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Excellent. Well, thank you so much for your time today. I hope you have a good\n\nChannel 1: Thank\n\nChannel 0: day.\n\nChannel 1: you.\n\nChannel 0: If\n\nChannel 1: I\n\nChannel 0: any questions do come up, let me know. And then once we've gone through this, I'll make a note to touch base with you probably January when we come back from the Christmas break, which is early January, and we'll\n\nChannel 1: can't.\n\nChannel 0: make\n\nChannel 1: Yes.\n\nChannel 0: a time to kinda go through and reassess that transition time and strategy for you. And in the meantime, if anything else comes up, let me know. Okay?\n\nChannel 1: I will. I will for sure. Okay. Alright.\n\nChannel 0: That's okay.\n\nChannel 1: Okay.\n\nChannel 0: Thanks.\n\nChannel 1: Thank you. Have a lovely\n\nChannel 0: Thanks.\n\nChannel 1: day and a nice weekend.\n\nChannel 0: No worries. You\n\nChannel 1: Okay.\n\nChannel 0: you too, Sharon. Thank you for your time. I appreciate it.\n\nChannel 1: That's okay. Thank you. Okay. Bye.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.79999995,"end":1.04,"sentiment":"neutral","sentiment_score":0.031952641904354095},{"text":"Sharon speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.03355982154607773}],"sentiment":"neutral","sentiment_score":0.03302409499883652,"channel":1,"num_words":3,"start":0.79999995,"end":2.02},{"sentences":[{"text":"Hi, Sharon.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.13320820033550262},{"text":"It's Dana from Okie Finance.","start":3.6,"end":5.38,"sentiment":"neutral","sentiment_score":0.18372406661510468},{"text":"So how are you this morning?","start":5.44,"end":6.74,"sentiment":"neutral","sentiment_score":0.23323309421539307}],"sentiment":"neutral","sentiment_score":0.1988027153106836,"channel":0,"num_words":13,"start":2.8799999,"end":6.74},{"sentences":[{"text":"Very 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good time?","start":15.805,"end":17.345,"sentiment":"neutral","sentiment_score":0.18603346000115076}],"sentiment":"neutral","sentiment_score":0.27857343227632586,"channel":0,"num_words":31,"start":9.12,"end":17.345},{"sentences":[{"text":"Yeah.","start":17.465,"end":17.705,"sentiment":"neutral","sentiment_score":0.14282886683940887},{"text":"That's fine.","start":17.705,"end":18.345001,"sentiment":"neutral","sentiment_score":0.24134520441293716},{"text":"Totally fine.","start":18.345001,"end":19.325,"sentiment":"positive","sentiment_score":0.41198383271694183},{"text":"Yes.","start":19.385,"end":19.885,"sentiment":"positive","sentiment_score":0.4175305962562561}],"sentiment":"neutral","sentiment_score":0.3111695895592372,"channel":1,"num_words":6,"start":17.465,"end":19.885},{"sentences":[{"text":"Fantastic.","start":20.045,"end":20.545,"sentiment":"positive","sentiment_score":0.6407466530799866},{"text":"I have the email just sent through to you with the document attached so you can 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fine.","start":35.3,"end":36.36,"sentiment":"neutral","sentiment_score":0.18405018001794815}],"sentiment":"neutral","sentiment_score":0.18405018001794815,"channel":0,"num_words":2,"start":35.3,"end":36.36},{"sentences":[{"text":"Okay.","start":37.71,"end":38.21,"sentiment":"neutral","sentiment_score":0.024246346205472943},{"text":"It might take me a little bit.","start":40.35,"end":41.47,"sentiment":"neutral","sentiment_score":-0.05317058254565511},{"text":"Just bear with me.","start":41.47,"end":42.61,"sentiment":"neutral","sentiment_score":-0.03752836678177118}],"sentiment":"neutral","sentiment_score":-0.041505099895099797,"channel":1,"num_words":12,"start":37.71,"end":42.61},{"sentences":[{"text":"No.","start":42.985,"end":43.145,"sentiment":"neutral","sentiment_score":-0.07662282884120941},{"text":"That's okay.","start":43.145,"end":43.945,"sentiment":"neutral","sentiment_score":-0.055589547380805016},{"text":"Look, just while you are doing that, I just have to let you know our calls are recorded for training and quality purposes.","start":43.945,"end":49.005,"sentiment":"neutral","sentiment_score":-0.007068655818052914},{"text":"Are you okay with us proceeding with that?","start":49.065002,"end":51.565002,"sentiment":"neutral","sentiment_score":0.00809447723440826}],"sentiment":"neutral","sentiment_score":-0.00840074086890501,"channel":0,"num_words":34,"start":42.985,"end":51.565002},{"sentences":[{"text":"Yep.","start":51.735,"end":52.055,"sentiment":"neutral","sentiment_score":0.054194774478673935},{"text":"That's fine.","start":52.055,"end":52.855003,"sentiment":"neutral","sentiment_score":0.12623034045100212},{"text":"That's fine.","start":52.855003,"end":53.675003,"sentiment":"neutral","sentiment_score":0.24119973182678223}],"sentiment":"neutral","sentiment_score":0.15781098380684852,"channel":1,"num_words":5,"start":51.735,"end":53.675003},{"sentences":[{"text":"Fantastic.","start":53.65,"end":54.15,"sentiment":"positive","sentiment_score":0.5025957822799683},{"text":"And I'll just do a quick security check here with you as well just to confirm your full name, your date of birth, and address that I should have on file.","start":54.45,"end":60.79,"sentiment":"neutral","sentiment_score":0.19620335702934572}],"sentiment":"neutral","sentiment_score":0.20577812031842768,"channel":0,"num_words":32,"start":53.65,"end":60.79},{"sentences":[{"text":"Sharon Joy Carey.","start":62.23,"end":63.53,"sentiment":"neutral","sentiment_score":0.03636673465371132},{"text":"Second of","start":63.75,"end":64.229996,"sentiment":"neutral","sentiment_score":0.02622230537235737}],"sentiment":"neutral","sentiment_score":0.032308962941169736,"channel":1,"num_words":5,"start":62.23,"end":64.229996},{"sentences":[{"text":"Yep.","start":64.13,"end":64.63,"sentiment":"neutral","sentiment_score":0.034286629408597946}],"sentiment":"neutral","sentiment_score":0.034286629408597946,"channel":0,"num_words":1,"start":64.13,"end":64.63},{"sentences":[{"text":"the third, 1963, and Unit 111 Johnson Street, Stanthorpe.","start":64.229996,"end":68.649994,"sentiment":"neutral","sentiment_score":0.04315065654615561}],"sentiment":"neutral","sentiment_score":0.04315065654615561,"channel":1,"num_words":9,"start":64.229996,"end":68.649994},{"sentences":[{"text":"Perfect.","start":69.665,"end":70.065,"sentiment":"positive","sentiment_score":0.39670878648757935},{"text":"Thank you so much for that.","start":70.065,"end":71.765,"sentiment":"positive","sentiment_score":0.5018552343050638}],"sentiment":"positive","sentiment_score":0.48683431318828035,"channel":0,"num_words":7,"start":69.665,"end":71.765},{"sentences":[{"text":"Just bear with me a minute.","start":80.475006,"end":81.855,"sentiment":"neutral","sentiment_score":0.16614018132289252}],"sentiment":"neutral","sentiment_score":0.16614018132289252,"channel":1,"num_words":6,"start":80.475006,"end":81.855},{"sentences":[{"text":"No.","start":82.29,"end":82.53001,"sentiment":"neutral","sentiment_score":-0.0459795743227005},{"text":"That's okay.","start":82.53001,"end":83.090004,"sentiment":"neutral","sentiment_score":-0.00860571302473545},{"text":"You take your 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the","start":84.635,"end":85.035,"sentiment":"neutral","sentiment_score":-0.30717259645462036}],"sentiment":"neutral","sentiment_score":-0.30717259645462036,"channel":1,"num_words":2,"start":84.635,"end":85.035},{"sentences":[{"text":"not","start":84.850006,"end":85.090004,"sentiment":"neutral","sentiment_score":-0.32868272066116333}],"sentiment":"neutral","sentiment_score":-0.32868272066116333,"channel":0,"num_words":1,"start":84.850006,"end":85.090004},{"sentences":[{"text":"slowest","start":85.035,"end":85.535,"sentiment":"negative","sentiment_score":-0.3611430823802948}],"sentiment":"negative","sentiment_score":-0.3611430823802948,"channel":1,"num_words":1,"start":85.035,"end":85.535},{"sentences":[{"text":"an issue at all.","start":85.090004,"end":86.310005,"sentiment":"neutral","sentiment_score":-0.3086337372660637}],"sentiment":"neutral","sentiment_score":-0.3086337372660637,"channel":0,"num_words":4,"start":85.090004,"end":86.310005},{"sentences":[{"text":"status 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yet.","start":122.21001,"end":125.57,"sentiment":"neutral","sentiment_score":-0.03201656311284751},{"text":"So,","start":125.57,"end":126.045,"sentiment":"neutral","sentiment_score":0.02317402884364128}],"sentiment":"neutral","sentiment_score":-0.02221816871315241,"channel":1,"num_words":18,"start":121.57,"end":126.045},{"sentences":[{"text":"That's","start":126.105,"end":126.425,"sentiment":"neutral","sentiment_score":0.08283137530088425}],"sentiment":"neutral","sentiment_score":0.08283137530088425,"channel":0,"num_words":1,"start":126.105,"end":126.425},{"sentences":[{"text":"yeah.","start":126.284996,"end":126.784996,"sentiment":"neutral","sentiment_score":0.08444862067699432}],"sentiment":"neutral","sentiment_score":0.08444862067699432,"channel":1,"num_words":1,"start":126.284996,"end":126.784996},{"sentences":[{"text":"okay.","start":126.425,"end":126.925,"sentiment":"neutral","sentiment_score":0.09491222351789474}],"sentiment":"neutral","sentiment_score":0.09491222351789474,"channel":0,"num_words":1,"start":126.425,"end":126.925},{"sentences":[{"text":"Okay.","start":127.485,"end":127.985,"sentiment":"neutral","sentiment_score":0.05364714562892914}],"sentiment":"neutral","sentiment_score":0.05364714562892914,"channel":1,"num_words":1,"start":127.485,"end":127.985},{"sentences":[{"text":"Did","start":129.545,"end":129.785,"sentiment":"neutral","sentiment_score":0.031830813735723495}],"sentiment":"neutral","sentiment_score":0.031830813735723495,"channel":0,"num_words":1,"start":129.545,"end":129.785},{"sentences":[{"text":"You","start":129.72499,"end":129.885,"sentiment":"neutral","sentiment_score":0.043374840170145035}],"sentiment":"neutral","sentiment_score":0.043374840170145035,"channel":1,"num_words":1,"start":129.72499,"end":129.885},{"sentences":[{"text":"you","start":129.785,"end":130.105,"sentiment":"neutral","sentiment_score":0.044295892119407654}],"sentiment":"neutral","sentiment_score":0.044295892119407654,"channel":0,"num_words":1,"start":129.785,"end":130.105},{"sentences":[{"text":"can 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profiling.","start":376.88498,"end":379.305,"sentiment":"neutral","sentiment_score":0.014321279479190707},{"text":"So that was those questions we talked about where you're currently","start":379.44498,"end":382.82498,"sentiment":"neutral","sentiment_score":0.02476201206445694}],"sentiment":"neutral","sentiment_score":0.020365914133818525,"channel":0,"num_words":19,"start":376.88498,"end":382.82498},{"sentences":[{"text":"Yep.","start":382.79248,"end":383.29248,"sentiment":"neutral","sentiment_score":0.021819716319441795}],"sentiment":"neutral","sentiment_score":0.021819716319441795,"channel":1,"num_words":1,"start":382.79248,"end":383.29248},{"sentences":[{"text":"invested in a growth portfolio, which essentially sees 80% of your people invested in those growth assets.","start":382.88498,"end":388.94,"sentiment":"neutral","sentiment_score":0.04741738298360039},{"text":"When we reassess your risk profile and you had scored there as a balanced investor, but you are more comfortable stepping down the risk level in smaller increments.","start":389.56,"end":398.46002,"sentiment":"neutral","sentiment_score":0.06036775146744081},{"text":"So we agreed to start with a balanced growth environment and start to reduce risk slowly, so it's not such a big change 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essentially starting for you.","start":410.06497,"end":415.84497,"sentiment":"neutral","sentiment_score":0.2600749457875888}],"sentiment":"neutral","sentiment_score":0.2704485019570903,"channel":0,"num_words":19,"start":408.705,"end":415.84497},{"sentences":[{"text":"Yep.","start":417.555,"end":418.055,"sentiment":"positive","sentiment_score":0.3743497133255005}],"sentiment":"positive","sentiment_score":0.3743497133255005,"channel":1,"num_words":1,"start":417.555,"end":418.055},{"sentences":[{"text":"Beautiful.","start":419.52002,"end":420.02002,"sentiment":"neutral","sentiment_score":0.29884451627731323},{"text":"Now this is basically stating that that we are recommending that you do retain your net wealth super account and that we look at switching the investment.","start":420.16,"end":427.62003,"sentiment":"neutral","sentiment_score":0.13391488514564656},{"text":"We're recommending you retain continue to have your super contributions directed into your NetWealth account, and I'll take you through the changes shortly.","start":428.215,"end":436.875,"sentiment":"neutral","sentiment_score":0.20464691584524902},{"text":"Essentially, this is just noting that we're changing the investments to reduce your risk level in the market.","start":437.335,"end":443.035,"sentiment":"neutral","sentiment_score":0.04276808578934935},{"text":"So in that growth kind of environment you're in at the moment, it generally suits somewhere within approximate time frame of six years before accessing the super, and that's because having 80% invested in those growth assets like shares and e and exchange traded funds, like international exchange shares,","start":443.095,"end":460.065,"sentiment":"neutral","sentiment_score":0.045298315698699076}],"sentiment":"neutral","sentiment_score":0.0983971906194495,"channel":0,"num_words":118,"start":419.52002,"end":460.065},{"sentences":[{"text":"Yes.","start":460.85,"end":461.235,"sentiment":"neutral","sentiment_score":-0.1612689048051834}],"sentiment":"neutral","sentiment_score":-0.1612689048051834,"channel":1,"num_words":1,"start":460.85,"end":461.235},{"sentences":[{"text":"you are taking a bit more risk in the market, and therefore, you are exposing yourself to more market ups and downs, especially as your balance continues.","start":461.005,"end":468.225,"sentiment":"neutral","sentiment_score":-0.2389020240969128}],"sentiment":"neutral","sentiment_score":-0.2389020240969128,"channel":0,"num_words":27,"start":461.005,"end":468.225},{"sentences":[{"text":"Yep.","start":469.31497,"end":469.81497,"sentiment":"neutral","sentiment_score":-0.12485140562057497}],"sentiment":"neutral","sentiment_score":-0.12485140562057497,"channel":1,"num_words":1,"start":469.31497,"end":469.81497},{"sentences":[{"text":"Because you are 63 this year and wanting to access these around about age 67, you have a smaller time horizon.","start":469.325,"end":476.97,"sentiment":"neutral","sentiment_score":-0.09162556770302001},{"text":"So starting to reduce your risk in the market, and doing it at smaller increments means that we're stepping down gradually.","start":476.97,"end":484.03,"sentiment":"neutral","sentiment_score":-0.09232168857540403},{"text":"We're not making very large changes, but","start":484.16998,"end":487.335,"sentiment":"neutral","sentiment_score":-0.10865473321505956}],"sentiment":"neutral","sentiment_score":-0.09435664315004738,"channel":0,"num_words":49,"start":469.325,"end":487.335},{"sentences":[{"text":"Yeah.","start":487.21997,"end":487.71997,"sentiment":"neutral","sentiment_score":-0.08678292483091354}],"sentiment":"neutral","sentiment_score":-0.08678292483091354,"channel":1,"num_words":1,"start":487.21997,"end":487.71997},{"sentences":[{"text":"it's working towards protecting your capital.","start":487.335,"end":489.735,"sentiment":"neutral","sentiment_score":-0.07567171876629193},{"text":"So as you reduce your risk level, you expect less market ups and downs that make you feel very nervous.","start":489.735,"end":495.895,"sentiment":"neutral","sentiment_score":-0.2796472631394863},{"text":"Does that make sense?","start":495.895,"end":496.955,"sentiment":"neutral","sentiment_score":-0.07609176635742188}],"sentiment":"neutral","sentiment_score":-0.21171142136057217,"channel":0,"num_words":30,"start":487.335,"end":496.955},{"sentences":[{"text":"Yep.","start":497.195,"end":497.435,"sentiment":"neutral","sentiment_score":0.14207622408866882},{"text":"I just 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Monday, so that should come in the post for you soon.","start":503.99,"end":508.16998,"sentiment":"neutral","sentiment_score":0.24647862371057272}],"sentiment":"neutral","sentiment_score":0.2706503554664809,"channel":0,"num_words":29,"start":500.47,"end":508.16998},{"sentences":[{"text":"Yes.","start":509.05002,"end":509.55002,"sentiment":"neutral","sentiment_score":0.22281907498836517}],"sentiment":"neutral","sentiment_score":0.22281907498836517,"channel":1,"num_words":1,"start":509.05002,"end":509.55002},{"sentences":[{"text":"That way you can kinda read through this.","start":509.27,"end":511.19,"sentiment":"neutral","sentiment_score":0.2150988969951868},{"text":"But I essentially have the best interest duty there, which outlines how this works in relation to your goal.","start":511.19,"end":517.375,"sentiment":"neutral","sentiment_score":0.1975581591066561},{"text":"It's","start":517.915,"end":518.07495,"sentiment":"neutral","sentiment_score":0.13435901701450348}],"sentiment":"neutral","sentiment_score":0.2003126862858023,"channel":0,"num_words":28,"start":509.27,"end":518.07495},{"sentences":[{"text":"Yes.","start":518.01,"end":518.51,"sentiment":"neutral","sentiment_score":0.1661972850561142}],"sentiment":"neutral","sentiment_score":0.1661972850561142,"channel":1,"num_words":1,"start":518.01,"end":518.51},{"sentences":[{"text":"relating the recommendations back to your goals, some why it is in your best interest to reduce your risk and alter the investments within there.","start":518.07495,"end":525.51495,"sentiment":"neutral","sentiment_score":0.1761935395002365},{"text":"Okay?","start":525.51495,"end":526.01495,"sentiment":"neutral","sentiment_score":0.0767015740275383}],"sentiment":"neutral","sentiment_score":0.17236692544359428,"channel":0,"num_words":26,"start":518.07495,"end":526.01495},{"sentences":[{"text":"Mhmm.","start":526.09503,"end":526.59503,"sentiment":"neutral","sentiment_score":0.06835603713989258},{"text":"Yes.","start":526.73505,"end":527.23505,"sentiment":"neutral","sentiment_score":0.24909111857414248}],"sentiment":"neutral","sentiment_score":0.15872357785701752,"channel":1,"num_words":2,"start":526.09503,"end":527.23505},{"sentences":[{"text":"Excellent.","start":527.50995,"end":528.00995,"sentiment":"positive","sentiment_score":0.5547166466712952},{"text":"To sort of show you what we're going to do, if you sort of move down for me to page number 18, this is the fee comparison table.","start":528.55,"end":538.00995,"sentiment":"neutral","sentiment_score":0.2029830544654812},{"text":"Yeah.","start":543.105,"end":543.605,"sentiment":"neutral","sentiment_score":0.10382623225450516}],"sentiment":"neutral","sentiment_score":0.21140228013197582,"channel":0,"num_words":30,"start":527.50995,"end":543.605},{"sentences":[{"text":"Okay.","start":549.685,"end":550.165,"sentiment":"neutral","sentiment_score":0.11984898149967194},{"text":"I've got it here.","start":550.165,"end":551.14496,"sentiment":"neutral","sentiment_score":0.1878252811729908}],"sentiment":"neutral","sentiment_score":0.17423002123832704,"channel":1,"num_words":5,"start":549.685,"end":551.14496},{"sentences":[{"text":"Perfect.","start":552.385,"end":552.885,"sentiment":"positive","sentiment_score":0.4945644438266754},{"text":"So with this table, you'll see four columns there.","start":553.26,"end":556.38,"sentiment":"neutral","sentiment_score":0.1647591640551885},{"text":"The ones that we're focusing 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10.72%.","start":599.025,"end":604.16504,"sentiment":"neutral","sentiment_score":0.03568165935575962},{"text":"What","start":604.705,"end":605.025,"sentiment":"neutral","sentiment_score":0.044669464230537415}],"sentiment":"neutral","sentiment_score":0.05726691284640269,"channel":0,"num_words":66,"start":578.735,"end":605.025},{"sentences":[{"text":"Yes.","start":604.965,"end":605.465,"sentiment":"neutral","sentiment_score":0.07494939863681793}],"sentiment":"neutral","sentiment_score":0.07494939863681793,"channel":1,"num_words":1,"start":604.965,"end":605.465},{"sentences":[{"text":"I'm recommending is that we retain your Netwealth super account but that we switch your investment.","start":605.025,"end":610.405,"sentiment":"neutral","sentiment_score":0.06840878329239786},{"text":"It does mean that there is a CGT impact for your super fund.","start":611.18,"end":614.94,"sentiment":"neutral","sentiment_score":0.056729437926640876},{"text":"So your super fund, just like you, does a tax return every year.","start":614.94,"end":618.64,"sentiment":"neutral","sentiment_score":0.08030573507914177},{"text":"And when I went back and looked at the cost, the super fund would have to account for for making the switch in the investment, is $511.","start":619.1,"end":627.185,"sentiment":"neutral","sentiment_score":0.049896677059155924},{"text":"So your super","start":627.485,"end":628.285,"sentiment":"neutral","sentiment_score":0.05764544755220413}],"sentiment":"neutral","sentiment_score":0.06105756118065781,"channel":0,"num_words":72,"start":605.025,"end":628.285},{"sentences":[{"text":"Yes.","start":628.02,"end":628.365,"sentiment":"neutral","sentiment_score":0.07258304953575134}],"sentiment":"neutral","sentiment_score":0.07258304953575134,"channel":1,"num_words":1,"start":628.02,"end":628.365},{"sentences":[{"text":"fund will pay a capital gains tax of $511 in order to make the switch in the investment.","start":628.285,"end":634.065,"sentiment":"neutral","sentiment_score":0.12090035983257824}],"sentiment":"neutral","sentiment_score":0.12090035983257824,"channel":0,"num_words":18,"start":628.285,"end":634.065},{"sentences":[{"text":"Right.","start":635.565,"end":636.065,"sentiment":"neutral","sentiment_score":0.16430892050266266}],"sentiment":"neutral","sentiment_score":0.16430892050266266,"channel":1,"num_words":1,"start":635.565,"end":636.065},{"sentences":[{"text":"Retaining that's okay.","start":636.445,"end":638.94,"sentiment":"neutral","sentiment_score":0.24070519705613455},{"text":"Does that make sense so far?","start":638.94,"end":640.14,"sentiment":"neutral","sentiment_score":0.21662946293751398},{"text":"Do you have any questions at all?","start":640.14,"end":641.92,"sentiment":"neutral","sentiment_score":0.08617227843829564}],"sentiment":"neutral","sentiment_score":0.1640686448663473,"channel":0,"num_words":16,"start":636.445,"end":641.92},{"sentences":[{"text":"No.","start":642.125,"end":642.365,"sentiment":"neutral","sentiment_score":-0.2404506504535675},{"text":"It's 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you.","start":687.985,"end":694.04,"sentiment":"neutral","sentiment_score":0.3152211659720966},{"text":"Okay?","start":694.33997,"end":694.83997,"sentiment":"neutral","sentiment_score":0.07786788046360016}],"sentiment":"neutral","sentiment_score":0.3257706940435527,"channel":0,"num_words":57,"start":673.52997,"end":694.83997},{"sentences":[{"text":"Mhmm.","start":694.465,"end":694.965,"sentiment":"neutral","sentiment_score":0.06658576428890228},{"text":"Yes.","start":695.34503,"end":695.84503,"sentiment":"neutral","sentiment_score":0.1989113688468933}],"sentiment":"neutral","sentiment_score":0.1327485665678978,"channel":1,"num_words":2,"start":694.465,"end":695.84503},{"sentences":[{"text":"Excellent.","start":696.1,"end":696.6,"sentiment":"positive","sentiment_score":0.405724823474884},{"text":"Our ongoing service fee does decrease a little bit there just because, obviously, the balance has decreased 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20 for me, this is the table showing the changes in the investment.","start":989.915,"end":995.21497,"sentiment":"neutral","sentiment_score":0.028835636612616088}],"sentiment":"neutral","sentiment_score":0.028835636612616088,"channel":0,"num_words":19,"start":989.915,"end":995.21497},{"sentences":[{"text":"20 where am I?","start":997.33496,"end":998.58,"sentiment":"neutral","sentiment_score":-0.023603036999702454},{"text":"Where am I?","start":999.54004,"end":999.78,"sentiment":"neutral","sentiment_score":-0.06019260113437971},{"text":"Where am I?","start":999.78,"end":1000.18,"sentiment":"neutral","sentiment_score":-0.06522807354728381},{"text":"Hang on.","start":1000.18,"end":1000.58,"sentiment":"neutral","sentiment_score":-0.04749244451522827},{"text":"You paid 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you have more questions?","start":1964.2899,"end":1965.75,"sentiment":"neutral","sentiment_score":0.026622751727700233},{"text":"Has anything kinda come up that 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good","start":2827.475,"end":2828.675,"sentiment":"positive","sentiment_score":0.7374841769536337}],"sentiment":"positive","sentiment_score":0.786451306194067,"channel":0,"num_words":16,"start":2824.7551,"end":2828.675},{"sentences":[{"text":"Thank","start":2828.3699,"end":2828.69,"sentiment":"positive","sentiment_score":0.7363782525062561}],"sentiment":"positive","sentiment_score":0.7363782525062561,"channel":1,"num_words":1,"start":2828.3699,"end":2828.69},{"sentences":[{"text":"day.","start":2828.675,"end":2829.175,"sentiment":"positive","sentiment_score":0.7695145606994629}],"sentiment":"positive","sentiment_score":0.7695145606994629,"channel":0,"num_words":1,"start":2828.675,"end":2829.175},{"sentences":[{"text":"you.","start":2828.69,"end":2829.19,"sentiment":"positive","sentiment_score":0.37313640117645264}],"sentiment":"positive","sentiment_score":0.37313640117645264,"channel":1,"num_words":1,"start":2828.69,"end":2829.19},{"sentences":[{"text":"If","start":2829.56,"end":2829.72,"sentiment":"neutral","sentiment_score":0.10979042947292328}],"sentiment":"neutral","sentiment_score":0.10979042947292328,"channel":0,"num_words":1,"start":2829.56,"end":2829.72},{"sentences":[{"text":"I","start":2829.6548,"end":2830.1548,"sentiment":"neutral","sentiment_score":0.07255740463733673}],"sentiment":"neutral","sentiment_score":0.07255740463733673,"channel":1,"num_words":1,"start":2829.6548,"end":2830.1548},{"sentences":[{"text":"any questions do come up, let me know.","start":2829.72,"end":2831.88,"sentiment":"neutral","sentiment_score":0.06439260905608535},{"text":"And then once we've gone through this, I'll make a note to touch base with you probably January when we come back from the Christmas break, which is early January, and 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reassess that transition time and strategy for you.","start":2841.0,"end":2846.075,"sentiment":"neutral","sentiment_score":0.14932358662287396},{"text":"And in the meantime, if anything else comes up, let me know.","start":2846.535,"end":2849.575,"sentiment":"neutral","sentiment_score":0.036401090367386736},{"text":"Okay?","start":2849.575,"end":2850.075,"sentiment":"neutral","sentiment_score":0.04508510231971741}],"sentiment":"neutral","sentiment_score":0.09720542807398098,"channel":0,"num_words":28,"start":2841.0,"end":2850.075},{"sentences":[{"text":"I will.","start":2849.91,"end":2850.57,"sentiment":"neutral","sentiment_score":0.0694461427628994},{"text":"I will for sure.","start":2850.6301,"end":2851.77,"sentiment":"neutral","sentiment_score":0.07919000089168549},{"text":"Okay.","start":2851.83,"end":2852.33,"sentiment":"neutral","sentiment_score":0.10260967910289764},{"text":"Alright.","start":2852.79,"end":2853.29,"sentiment":"neutral","sentiment_score":0.1914353221654892}],"sentiment":"neutral","sentiment_score":0.09371216129511595,"channel":1,"num_words":8,"start":2849.91,"end":2853.29},{"sentences":[{"text":"That's okay.","start":2853.175,"end":2854.075,"sentiment":"neutral","sentiment_score":0.2719086855649948}],"sentiment":"neutral","sentiment_score":0.2719086855649948,"channel":0,"num_words":2,"start":2853.175,"end":2854.075},{"sentences":[{"text":"Okay.","start":2854.355,"end":2854.835,"sentiment":"positive","sentiment_score":0.3424259126186371}],"sentiment":"positive","sentiment_score":0.3424259126186371,"channel":1,"num_words":1,"start":2854.355,"end":2854.835},{"sentences":[{"text":"Thanks.","start":2854.455,"end":2854.955,"sentiment":"positive","sentiment_score":0.6057415008544922}],"sentiment":"positive","sentiment_score":0.6057415008544922,"channel":0,"num_words":1,"start":2854.455,"end":2854.955},{"sentences":[{"text":"Thank you.","start":2854.835,"end":2855.395,"sentiment":"positive","sentiment_score":0.6983092129230499},{"text":"Have a lovely","start":2855.395,"end":2856.035,"sentiment":"positive","sentiment_score":0.7620192170143127}],"sentiment":"positive","sentiment_score":0.7365352153778076,"channel":1,"num_words":5,"start":2854.835,"end":2856.035},{"sentences":[{"text":"Thanks.","start":2855.735,"end":2856.235,"sentiment":"positive","sentiment_score":0.7037626504898071}],"sentiment":"positive","sentiment_score":0.7037626504898071,"channel":0,"num_words":1,"start":2855.735,"end":2856.235},{"sentences":[{"text":"day and a nice weekend.","start":2856.035,"end":2857.335,"sentiment":"positive","sentiment_score":0.7039582133293152}],"sentiment":"positive","sentiment_score":0.7039582133293152,"channel":1,"num_words":5,"start":2856.035,"end":2857.335},{"sentences":[{"text":"No worries.","start":2856.935,"end":2857.755,"sentiment":"neutral","sentiment_score":0.273859404027462},{"text":"You","start":2857.895,"end":2858.37,"sentiment":"neutral","sentiment_score":0.24312272667884827}],"sentiment":"neutral","sentiment_score":0.26361384491125744,"channel":0,"num_words":3,"start":2856.935,"end":2858.37},{"sentences":[{"text":"Okay.","start":2858.1948,"end":2858.6948,"sentiment":"neutral","sentiment_score":0.2641858756542206}],"sentiment":"neutral","sentiment_score":0.2641858756542206,"channel":1,"num_words":1,"start":2858.1948,"end":2858.6948},{"sentences":[{"text":"you too, Sharon.","start":2858.9302,"end":2859.8901,"sentiment":"positive","sentiment_score":0.4421106179555257},{"text":"Thank you for your time.","start":2859.8901,"end":2860.85,"sentiment":"positive","sentiment_score":0.753150749206543},{"text":"I appreciate it.","start":2860.85,"end":2861.9902,"sentiment":"positive","sentiment_score":0.7343482573827108}],"sentiment":"positive","sentiment_score":0.6631936701861295,"channel":0,"num_words":11,"start":2858.9302,"end":2861.9902},{"sentences":[{"text":"That's okay.","start":2862.275,"end":2862.9949,"sentiment":"positive","sentiment_score":0.5194972455501556},{"text":"Thank you.","start":2862.9949,"end":2863.7148,"sentiment":"positive","sentiment_score":0.5920998752117157},{"text":"Okay.","start":2863.7148,"end":2864.2148,"sentiment":"neutral","sentiment_score":0.2377832531929016},{"text":"Bye.","start":2864.595,"end":2865.095,"sentiment":"neutral","sentiment_score":0.29347819089889526}],"sentiment":"positive","sentiment_score":0.4590759476025899,"channel":1,"num_words":6,"start":2862.275,"end":2865.095},{"sentences":[{"text":"Thanks.","start":2864.85,"end":2865.35,"sentiment":"positive","sentiment_score":0.4903013110160827},{"text":"See you later.","start":2865.6501,"end":2866.4702,"sentiment":"positive","sentiment_score":0.40428420901298523},{"text":"Bye.","start":2866.53,"end":2867.03,"sentiment":"neutral","sentiment_score":0.1933007687330246}],"sentiment":"positive","sentiment_score":0.3792909413576126,"channel":0,"num_words":5,"start":2864.85,"end":2867.03},{"sentences":[{"text":"Bye.","start":2866.915,"end":2867.415,"sentiment":"neutral","sentiment_score":-0.10054346174001694}],"sentiment":"neutral","sentiment_score":-0.10054346174001694,"channel":1,"num_words":1,"start":2866.915,"end":2867.415}]},"summary":{"result":"success","short":"During a conversation between Okie Finance and Sharon, the agent discusses retirement recommendations based on projected outcomes and risk profiles, including the transition to a balanced growth environment and reducing risk levels. They recommend retaining the client's net wealth super account and switching investments gradually to reduce risk levels and reducing risk levels gradually. The speaker emphasizes reducing risk and increasing contributions to the customer's super while emphasizing reducing risk for long-term retirement. The process of calculating the total balance of the customer's investment portfolio is explained, including cash component and investments above the total balance, and the importance of keeping the policy in the best interest of the customer. The agent emphasizes the benefits of the retirement insurance policy and offers to follow up in January to reassess the transition."},"intents":{"segments":[{"text":"I had you booked in this morning just to run through your updated statement of advice with the new recommendations there. Is now still a good time? Yeah.","start_word":27,"end_word":54,"intents":[{"intent":"Confirm meeting time","confidence_score":0.008810194},{"intent":"Recommend submitting statement of advice","confidence_score":1.8956543e-7}]},{"text":"And I'll just do a quick security check here with you as well just to confirm your full name, your date of birth, and address that I should have on file. Sharon Joy Carey.","start_word":171,"end_word":204,"intents":[{"intent":"Request security check","confidence_score":0.102821805}]},{"text":"Thank you so much for that. Just bear with me a minute. No.","start_word":218,"end_word":230,"intents":[{"intent":"Offer assistance","confidence_score":0.061239585}]},{"text":"I just said it's best if if you're able to open it up, and that way we can go through it together so you can see what I'm talking about. It kinda gives you a little bit more context, and and then you're able to ask questions as we're going through it. Take as I said, take things a little bit slower for you to make it easier.","start_word":277,"end_word":344,"intents":[{"intent":"Suggest rescheduling","confidence_score":0.0006391446}]},{"text":"On the bottom of the first page, it has my authorized representative number. So I'm a licensed financial adviser through Affic, and my registration number is 1304394. Okay? Yep.","start_word":410,"end_word":438,"intents":[{"intent":"Collect personal information","confidence_score":0.000025586316}]},{"text":"We've got scoping the state planning. So you are in the process of having your will and power of attorneys drafted up, and we talked about altering your beneficiary nominations so that your super and your life cover could be directed through to your will and form part of your state. That way, it sorta helps to limit the amount of tax payable by by your children in the event of a death claim. Okay.","start_word":616,"end_word":690,"intents":[{"intent":"Check state planning","confidence_score":0.0005554404}]},{"text":"On page number five, we've got scoping out the areas that we're not looking at as part of the advice. And this is where we talked about that retirement side of things and the transition retirement strategy.","start_word":774,"end_word":810,"intents":[{"intent":"Discuss retirement strategy","confidence_score":0.24067158},{"intent":"Discuss retirement strategy","confidence_score":0.2118227}]},{"text":"trying to get it up on my computer. I That's thought okay. So where what Is page it are we up to? good? I'm currently on page number eight. I lost Yep. you. Hang That's on. okay. You're fine. 78. Okay. I've got it up not on my phone, but I've got it up in my computer. So yeah.","start_word":885,"end_word":943,"intents":[{"intent":"Identify computer setup issues","confidence_score":0.000425191}]},{"text":"Down from sort of that page, page seven and eight onwards, you've got sort of a scoping of where your assets and liabilities are your current super balance and your life insurance noted down there.","start_word":1001,"end_word":1035,"intents":[{"intent":"Review assets and liabilities","confidence_score":0.003871912}]},{"text":"If you go down to page number 11, this is where the recommendations are essentially starting for you. Yep.","start_word":1176,"end_word":1194,"intents":[{"intent":"Recommend investment change","confidence_score":0.0032889259}]},{"text":"That way you can kinda read through this. But I essentially have the best interest duty there, which outlines how this works in relation to your goal. It's Yes. relating the recommendations back to your goals, some why it is in your best interest to reduce your risk and alter the investments within there. Okay?","start_word":1459,"end_word":1513,"intents":[{"intent":"Provide advice","confidence_score":0.05493114}]},{"text":"To sort of show you what we're going to do, if you sort of move down for me to page number 18, this is the fee comparison table. Yeah.","start_word":1517,"end_word":1545,"intents":[{"intent":"Show table","confidence_score":0.09259974}]},{"text":"I'm recommending is that we retain your Netwealth super account but that we switch your investment.","start_word":1692,"end_word":1707,"intents":[{"intent":"Retain investment","confidence_score":0.03423396},{"intent":"Retain super account","confidence_score":0.17354065}]},{"text":"Underneath that recommended column, we start with a separate balance. So once we've taken away the CDT cost, we expect your super balance to be sitting at a $152,007.94. So that's the current balance minus the CDT impact for the switch.","start_word":1810,"end_word":1850,"intents":[{"intent":"Calculate cdt impact","confidence_score":0.022856187},{"intent":"Determine balance","confidence_score":0.00061182934}]},{"text":"Underneath that, the investor profile, you've got your balance growth portfolio. So this is reducing your risk level a little bit. And when we look at this balance growth portfolio, it's averaged about 10.02%. So it's almost kept up with that growth portfolio and is performing really, really well, but it's also reducing the risk level a little bit for you. Okay? Right.","start_word":1989,"end_word":2051,"intents":[{"intent":"Explain portfolio benefits","confidence_score":0.04117877},{"intent":"Explain portfolio benefits","confidence_score":0.12552954}]},{"text":"It's providing good returns still, Yep. but it's also reducing your risk level, which is about protecting your capital. Okay? Right.","start_word":2077,"end_word":2097,"intents":[{"intent":"Provide returns","confidence_score":0.039008044}]},{"text":"What page what are you blocking? What page am I on?","start_word":2105,"end_word":2115,"intents":[{"intent":"Ask for page information","confidence_score":0.00017591075}]},{"text":"Just let me know when you're down on page number 19 there. 19. Okay.","start_word":2176,"end_word":2189,"intents":[{"intent":"Obtain information","confidence_score":0.0008837894}]},{"text":"With the recommendations yeah. With the recommendations, we are reducing the risk level down to that balanced growth environment. So instead of having 80% in those higher risk investments, we only have 70% of your funds there. We know that the the expected average return is a little bit less, so we do know we expect the projection to be a little bit less as well.","start_word":2290,"end_word":2355,"intents":[{"intent":"Obtain recommendations","confidence_score":0.0005447092}]},{"text":"With the recommendations, we are reducing the risk level down to that balanced growth environment.","start_word":2294,"end_word":2308,"intents":[{"intent":"Reduce risk level","confidence_score":0.031035038}]},{"text":"So we're starting to protect your capital a little bit.","start_word":2465,"end_word":2474,"intents":[{"intent":"Protect capital","confidence_score":0.28623852}]},{"text":"You've also got the iShares European exposure. So this is giving you access to all the European countries. In your current portfolio, you had you have 4%. We wanna hold about 7% there, so we're going to buy a bit more of that investment. Okay? Right.","start_word":3004,"end_word":3049,"intents":[{"intent":"Sell ishares european exposure","confidence_score":0.009132822}]},{"text":"So all the red ones that are minusing, we sell all those off, and that, basically, green. So that money is being reinvested back into other investments for Right.","start_word":3153,"end_word":3181,"intents":[{"intent":"Restruct investments","confidence_score":0.0011545416}]},{"text":"So that's what I have in my super. Is that right? No.","start_word":4113,"end_word":4124,"intents":[{"intent":"Clarify investment calculation","confidence_score":0.0001234592}]},{"text":"So your goal target income was to earn about 57,200 on a yearly basis from Super and also from a pension if possible there as well. With the recommendations, it is important to be reducing risk as you get closer to accessing super because you don't wanna go into those time years seeing very heavy market fluctuations. Yes.","start_word":4642,"end_word":4699,"intents":[{"intent":"Maximize retirement income","confidence_score":0.0006105412}]},{"text":"So we can still look at the PCR option down the track.","start_word":4898,"end_word":4909,"intents":[{"intent":"Look at Pcr options","confidence_score":2.4590074e-7}]},{"text":"it also depends upon market return. So we've averaged in the projection table about a 10.07% return currently. Yes.","start_word":4928,"end_word":4946,"intents":[{"intent":"Evaluate market return","confidence_score":0.16578951}]},{"text":"However, the market could perform better, which could provide a greater amount of growth to your super. So we just need to reevaluate it, keep looking at things, and working longer towards, you know, what we do. Yes.","start_word":4947,"end_word":4984,"intents":[{"intent":"Evaluate retirement","confidence_score":0.009781634},{"intent":"Evaluate super","confidence_score":0.1161143},{"intent":"Evaluate super","confidence_score":0.08918872}]},{"text":"Yes. Now correct.","start_word":5052,"end_word":5054,"intents":[{"intent":"Track super","confidence_score":0.3278896}]},{"text":"The main thing is we don't get the higher returns. So we also use a very conservative retirement figure. Most people Yes. in their retirement years are very much conservative, probably attracting for around about a five to 6% return in those retirement years. Yes.","start_word":5119,"end_word":5163,"intents":[{"intent":"Use conservative retirement figure","confidence_score":0.16819476}]},{"text":"But it's about just reassessing it down the track. But yeah.","start_word":5230,"end_word":5240,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.105169155}]},{"text":"If you go down to page number 25, I can sort of show you that impact there. Yep.","start_word":5552,"end_word":5569,"intents":[{"intent":"Show impact","confidence_score":0.10904669}]},{"text":"On all of these pages, when you are when you take some time to read it through, I've outlined the best interest duty for you, which outlines With your life the insurance.","start_word":5894,"end_word":5925,"intents":[{"intent":"Highlight best interest duty","confidence_score":0.05877636}]},{"text":"I've also got any alternatives that we have considered as part of the research, the the advice for you. Okay? Yep.","start_word":5990,"end_word":6010,"intents":[{"intent":"Discuss alternative options","confidence_score":0.04471017}]},{"text":"So as we kinda went through updating your beneficiaries, you wanted to make sure that if anything happens, that Yes. your kids are looked after with the super and the life cover paid out to them. Yes.","start_word":6033,"end_word":6069,"intents":[{"intent":"Discuss beneficiary update","confidence_score":0.0021776035}]},{"text":"Because inside superannuation, there is a tax impact on the taxable component where non tax dependent, so children over the age of 18 or non tax dependent, can pay up to 17% tax on the amount.","start_word":6071,"end_word":6106,"intents":[{"intent":"Discuss tax impact","confidence_score":0.31263265},{"intent":"Discuss tax consequences","confidence_score":0.10395532},{"intent":"Discuss tax benefits","confidence_score":0.0058678053}]},{"text":"your lawyer can help you to set up trust or allocate money depending on how good your kids are with money or, you know, their consequences and things like that.","start_word":6255,"end_word":6284,"intents":[{"intent":"Discuss trust setup","confidence_score":0.11243327},{"intent":"Discuss trustee role","confidence_score":0.0005021864}]},{"text":"The only other thing to kinda clarify is that you do pay us an ongoing service fee, which is 1.65% per annum. Next year, our fees will be changing a little bit, but right now, you're still on the same fee.","start_word":6498,"end_word":6538,"intents":[{"intent":"Clarify will and fees","confidence_score":0.05549621}]},{"text":"It's all incorporated in that ongoing service fee that you do pay for our services. Right.","start_word":6649,"end_word":6664,"intents":[{"intent":"Highlight benefits of service fee","confidence_score":0.0017023125},{"intent":"Clarify purpose of service fee","confidence_score":0.0047172625}]},{"text":"But Does that you make really, sense? like, as you were doing it up though, you really don't notice that? Really? Like, No. do you? Correct. We yeah.","start_word":6664,"end_word":6691,"intents":[{"intent":"Confirm understanding","confidence_score":0.11166587}]},{"text":"And with your insurance policy with the sender, we're just disclosing that you do so you don't, but the insurance company does pay us a remuneration or an ongoing percentage of the premium. It Yes.","start_word":6831,"end_word":6865,"intents":[{"intent":"Describe team's experience with insurance policy","confidence_score":0.000017350769},{"intent":"Confirm insurance payment","confidence_score":0.005845874},{"intent":"Confirm insurance policy in remuneration","confidence_score":0.000020192023},{"intent":"Explain insurance policy requirements","confidence_score":0.005830092}]},{"text":"And with your insurance policy with the sender, we're just disclosing that you do so you don't, but the insurance company does pay us a remuneration or an ongoing percentage of the premium. It Yes. is paid by the insurance company to us, not by you in any way. So it's just letting you know that this is disclosed. Yes.","start_word":6831,"end_word":6890,"intents":[{"intent":"Provide insurance information","confidence_score":0.0011952923}]},{"text":"To make things easier, if you decide to take on the advice, how we will implement it will be you will just sign the advice document and send that it comes back to us automatically once it has been signed.","start_word":6947,"end_word":6986,"intents":[{"intent":"Confirm sign-up process","confidence_score":0.005695411}]},{"text":"To make things easier, if you decide to take on the advice, how we will implement it will be you will just sign the advice document and send that it comes back to us automatically once it has been signed. Can I find And then it online? we will do the switch yeah. Yeah.","start_word":6947,"end_word":7000,"intents":[{"intent":"Confirm sign-up","confidence_score":0.0014896038}]},{"text":"Are we gonna touch base later about that transition into retirement thing too? You were you were gonna look into that. Absolutely. Remember that? We were just doing this Yep. for now? Yep. Absolutely. So yeah. Yeah. Yeah. We're doing this for now, and then we sort of talked about touching base maybe early January and looking at that retirement strategy. Does that sound okay to you?","start_word":7066,"end_word":7132,"intents":[{"intent":"Discuss retirement strategy","confidence_score":0.18778835}]},{"text":"Now with the other document, I do have to let you know, is the ongoing service agreement for us for the next twelve months. That was due to be renewed now as well. So that is the other document attached to the to the statement of advice email there. Did you just wanna confirm because you said that you had signed that.","start_word":7299,"end_word":7360,"intents":[{"intent":"Implement service agreement","confidence_score":0.18640225}]},{"text":"Did you just wanna confirm because you said that you had signed that.","start_word":7348,"end_word":7360,"intents":[{"intent":"Confirm sign-up","confidence_score":0.101845704}]},{"text":"So if you press the sign button, it'll give you an option to sort of pre fill your signature for you. If you're comfortable with that, you can just click on it, and it will allocate it. So it's got two buttons. It's got sign and it's got sign all. So you sign it's just gonna sign one document at a time, or sign Oh, all rubbish.","start_word":7433,"end_word":7499,"intents":[{"intent":"Manage signatures and send documents","confidence_score":0.0000353011}]},{"text":"If that's yeah.","start_word":7756,"end_word":7758,"intents":[{"intent":"Clarify","confidence_score":0.0003537386}]},{"text":"If you put on honestly, what I sort of do with a lot of my stuff is anything provided by the adviser going under the OC file probably makes it easier because then you can see everything that you've got there. Like, the ongoing service agreement is added Everything's to there. Netwealth as your super fund, but we're the ones that receive funds. So maybe keeping it all together might be easier for Just you.","start_word":7844,"end_word":7918,"intents":[{"intent":"Coordinate","confidence_score":0.014963578}]},{"text":"My team will post out the documents to you, hard copy on Monday if you've got a copy of it there. And then if you Mhmm. do find you have extra questions, let me know, but we'll go forward and kinda do all the implementation and get the investor switch completed for you. Okay? Okay.","start_word":7963,"end_word":8017,"intents":[{"intent":"Post documents","confidence_score":0.10681386}]}]},"sentiments":{"segments":[{"text":"Hi. Sharon speaking. Hi, Sharon. It's Dana from Okie Finance. So how are you this morning?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.15998227894306183},{"text":"Very well. Thank you.","start_word":16,"end_word":19,"sentiment":"positive","sentiment_score":0.5014506578445435},{"text":"How are you? Yeah.","start_word":20,"end_word":23,"sentiment":"neutral","sentiment_score":0.28546714782714844},{"text":"Good. Thank you.","start_word":24,"end_word":26,"sentiment":"positive","sentiment_score":0.5415757298469543},{"text":"I had you booked in this morning just to run through your updated statement of advice with the new recommendations there. Is now still a good time? Yeah. That's fine.","start_word":27,"end_word":56,"sentiment":"neutral","sentiment_score":0.2374770790338516},{"text":"Totally fine. Yes. Fantastic.","start_word":57,"end_word":60,"sentiment":"positive","sentiment_score":0.4705612361431122},{"text":"I have the email just sent through to you with the document attached so you can look at it as I'm going through things. Are you able to access your email, sir, at the moment? Can you bear with me? I'll try and get on my computer so I can read it better. Yeah. That's Okay. absolutely fine. Okay. It might take me a little bit. Just bear with me. No. That's okay. Look, just while you are doing that, I just have to let you know our calls are recorded for training and quality purposes. Are you okay with us proceeding with that? Yep. That's fine. That's fine.","start_word":61,"end_word":169,"sentiment":"neutral","sentiment_score":0.08625183999538422},{"text":"Fantastic.","start_word":170,"end_word":170,"sentiment":"positive","sentiment_score":0.5025957822799683},{"text":"And I'll just do a quick security check here with you as well just to confirm your full name, your date of birth, and address that I should have on file. Sharon Joy Carey. Second of Yep. the third, 1963, and Unit 111 Johnson Street, Stanthorpe.","start_word":171,"end_word":216,"sentiment":"neutral","sentiment_score":0.13225921988487244},{"text":"Perfect. Thank you so much for that.","start_word":217,"end_word":223,"sentiment":"positive","sentiment_score":0.47386571764945984},{"text":"Just bear with me a minute. No. That's okay. You take your time. Honestly, I probably it's got the not slowest an issue at all. status setup. You've done everything cap. I'm so sorry. What was that? You've done everything cap on it, like, what's supposed to be done. Yeah. Yeah. Yeah. Absolutely. I just said it's best if if you're able to open it up, and that way we can go through it together so you can see what I'm talking about. It kinda gives you a little bit more context, and and then you're able to ask questions as we're going through it. Take as I said, take things a little bit slower for you to make it easier. Mhmm. Yep.","start_word":224,"end_word":346,"sentiment":"neutral","sentiment_score":-0.02580634504556656},{"text":"That's okay.","start_word":347,"end_word":348,"sentiment":"positive","sentiment_score":0.3396712839603424},{"text":"Okay. I've got it up on my phone, but I haven't got it on my computer yet. So, That's yeah. okay. Okay. Did You you can go want me ahead. to sort Yeah. of yeah? You can start. Yep.","start_word":349,"end_word":387,"sentiment":"neutral","sentiment_score":0.026202723383903503},{"text":"That's okay. All good.","start_word":388,"end_word":391,"sentiment":"positive","sentiment_score":0.4438346326351166},{"text":"Now you're looking at the statement of advice there prepared for yourself, Sharon Carey, as of the 08/20/2026. On the bottom of the first page, it has my authorized representative number. So I'm a licensed financial adviser through Affic, and my registration number is 1304394. Okay? Yep. Yes.","start_word":392,"end_word":439,"sentiment":"neutral","sentiment_score":0.07981060445308685},{"text":"Excellent.","start_word":440,"end_word":440,"sentiment":"positive","sentiment_score":0.47759002447128296},{"text":"The next page, as you kinda just scroll down through, it has the best interest duty. So this is making sure you're aware that any advice we do provide is done under the best interest, Judy. This is part of the corporation's act. So it's about making sure we understand enough information about you and yourself and your goals and your circumstances to be able to provide financial advice to help you work towards your financial goals. Yep. Okay? Yes.","start_word":441,"end_word":520,"sentiment":"neutral","sentiment_score":0.10663355886936188},{"text":"Excellent.","start_word":521,"end_word":521,"sentiment":"positive","sentiment_score":0.3511844873428345},{"text":"On pages number three and four and five, we have a yes. It's called scoping in and out. So these are areas that we are considered are considering as part of the advice that we have superannuation and your insurances. You've Yes. got life cover.","start_word":522,"end_word":566,"sentiment":"neutral","sentiment_score":0.12828987836837769},{"text":"You are happy to keep that life cover.","start_word":567,"end_word":574,"sentiment":"positive","sentiment_score":0.5442293882369995},{"text":"I have not made any changes to recommendations on that. It's just that because that is paid out of your super fund, we need to make sure we consider that as part of your projected outcome. Okay? Right. Okay. Yep.","start_word":575,"end_word":614,"sentiment":"neutral","sentiment_score":0.07354710251092911},{"text":"Excellent.","start_word":615,"end_word":615,"sentiment":"positive","sentiment_score":0.42963337898254395},{"text":"We've got scoping the state planning. So you are in the process of having your will and power of attorneys drafted up, and we talked about altering your beneficiary nominations so that your super and your life cover could be directed through to your will and form part of your state. That way, it sorta helps to limit the amount of tax payable by by your children in the event of a death claim. Okay. Yep. Yep.","start_word":616,"end_word":692,"sentiment":"neutral","sentiment_score":0.2010372430086136},{"text":"Excellent.","start_word":693,"end_word":693,"sentiment":"positive","sentiment_score":0.5054811239242554},{"text":"I've also slightly scoped in by a Social Security aspect. So because you are wanting to access super at around about age 57, I've considered what these recommendations can do with the projected outcome, so what we're looking at over the next four to five years, but also factoring in when you get to that point, whether Social Security, whether the age pension is also gonna be a consideration, and how that might help your super. Okay. Yep.","start_word":694,"end_word":771,"sentiment":"neutral","sentiment_score":0.1315418443618677},{"text":"Yep. Excellent.","start_word":772,"end_word":773,"sentiment":"positive","sentiment_score":0.4898583889007568},{"text":"On page number five, we've got scoping out the areas that we're not looking at as part of the advice. And this is where we talked about that retirement side of things and the transition retirement strategy. We had that originally. You and I just Yep. agreed to kind of push that back for a little bit. We'll come back in a few months and reassess that. We'll just start small and work on what we're doing now, and then we'll come back and deal with that and look at other strategies down the track for you. Does that all make sense? Yep. Yep. It Yep. does. Sorry. I'm still Excellent. trying to get it up on my computer. I That's thought okay. So where what Is page it are we up to? good? I'm currently on page number eight. I lost Yep. you. Hang That's on. okay. You're fine. 78. Okay. I've got it up not on my phone, but I've got it up in my computer. So yeah.","start_word":774,"end_word":943,"sentiment":"neutral","sentiment_score":0.09483049809932707},{"text":"Oh, beautiful.","start_word":944,"end_word":945,"sentiment":"positive","sentiment_score":0.3481873869895935},{"text":"A little bit bigger and bit easier I to mean, see. I haven't got it. No. Sorry. I've got it up in my phone. It's not on my computer yet. Sorry. I'm not sorry. That's I've okay. got the You're worst absolutely you're fine. worst It's setup. all good. Yep. Not a problem at all. Down from sort of that page, page seven and eight onwards, you've got sort of a scoping of where your assets and liabilities are your current super balance and your life insurance noted down there. So that's all that we had noted as per our last conversation. So super balance is currently up to a 153,304 and 30<unk>, and you have about a hundred and twenty four thousand seven ninety three in life cover through a sender there. Okay. Yep. Yep. Page number nine is about the risk profiling. So that was those questions we talked about where you're currently Yep. invested in a growth portfolio, which essentially sees 80% of your people invested in those growth assets. When we reassess your risk profile and you had scored there as a balanced investor, but you are more comfortable stepping down the risk level in smaller increments. So we agreed to start with a balanced growth environment and start to reduce risk slowly, so it's not such a big change there. Okay. Okay. Yep. Yep.","start_word":946,"end_word":1176,"sentiment":"neutral","sentiment_score":0.043751056027876864},{"text":"Excellent.","start_word":1176,"end_word":1177,"sentiment":"positive","sentiment_score":0.5334322452545166},{"text":"If you go down to page number 11, this is where the recommendations are essentially starting for you. Yep.","start_word":1177,"end_word":1196,"sentiment":"neutral","sentiment_score":0.2662573754787445},{"text":"Beautiful.","start_word":1196,"end_word":1197,"sentiment":"positive","sentiment_score":0.499635249376297},{"text":"Now this is basically stating that that we are recommending that you do retain your net wealth super account and that we look at switching the investment. We're recommending you retain continue to have your super contributions directed into your NetWealth account, and I'll take you through the changes shortly. Essentially, this is just noting that we're changing the investments to reduce your risk level in the market. So in that growth kind of environment you're in at the moment, it generally suits somewhere within approximate time frame of six years before accessing the super, and that's because having 80% invested in those growth assets like shares and e and exchange traded funds, like international exchange shares, Yes. you are taking a bit more risk in the market, and therefore, you are exposing yourself to more market ups and downs, especially as your balance continues. Yep. Because you are 63 this year and wanting to access these around about age 67, you have a smaller time horizon. So starting to reduce your risk in the market, and doing it at smaller increments means that we're stepping down gradually. We're not making very large changes, but Yeah. it's working towards protecting your capital. So as you reduce your risk level, you expect less market ups and downs that make you feel very nervous. Does that make sense? Yep. I just yep.","start_word":1197,"end_word":1425,"sentiment":"neutral","sentiment_score":-0.025497842547544745},{"text":"Yep. Beautiful. Yep.","start_word":1426,"end_word":1428,"sentiment":"positive","sentiment_score":0.46985286474227905},{"text":"Now I will get my team to send you a copy of this. It's a hard copy on Monday, so that should come in the post for you soon. Yes. That way you can kinda read through this. But I essentially have the best interest duty there, which outlines how this works in relation to your goal. It's Yes. relating the recommendations back to your goals, some why it is in your best interest to reduce your risk and alter the investments within there. Okay? Mhmm. Yes.","start_word":1429,"end_word":1515,"sentiment":"neutral","sentiment_score":0.20814868807792664},{"text":"Excellent.","start_word":1516,"end_word":1516,"sentiment":"positive","sentiment_score":0.5547166466712952},{"text":"To sort of show you what we're going to do, if you sort of move down for me to page number 18, this is the fee comparison table. Yeah. Okay. I've got it here.","start_word":1517,"end_word":1550,"sentiment":"neutral","sentiment_score":0.1871054470539093},{"text":"Perfect.","start_word":1551,"end_word":1551,"sentiment":"positive","sentiment_score":0.4945644438266754},{"text":"So with this table, you'll see four columns there. The ones that we're focusing on are the current and recommended and differences column. So the current has your current balance at the top, and then we've also got underneath that the administration fees, investment fees, the ongoing service fee for us looking after and providing financial advice for you, the contributions going in, and your current insurance premium deducted there as well. Yep. Below that, we have the total cost of the fund, the total percentage weighted costing, and the investor profile, which is that growth environment. And then the five year rolling average is the very bottom, and that's essentially showing you with your current portfolio what this has averaged over the past five years. Being in that growth environment, this portfolio has averaged around about 10.72%. What Yes. I'm recommending is that we retain your Netwealth super account but that we switch your investment. It does mean that there is a CGT impact for your super fund. So your super fund, just like you, does a tax return every year. And when I went back and looked at the cost, the super fund would have to account for for making the switch in the investment, is $511. So your super Yes. fund will pay a capital gains tax of $511 in order to make the switch in the investment. Right. Retaining that's okay. Does that make sense so far? Do you have any questions at all? No. It's not. Not. That's Mhmm. fine. Yeah. Yep.","start_word":1552,"end_word":1808,"sentiment":"neutral","sentiment_score":0.08777471596976662},{"text":"Excellent.","start_word":1809,"end_word":1809,"sentiment":"positive","sentiment_score":0.4821298122406006},{"text":"Underneath that recommended column, we start with a separate balance. So once we've taken away the CDT cost, we expect your super balance to be sitting at a $152,007.94. So that's the current balance minus the CDT impact for the switch. Underneath that, you've got your administration fees. Because we're retaining net wealth, there's no change to the super fund. The administration fees will stay the same. Right. But Okay. underneath that, you'll see the investment fee actually decreased.","start_word":1810,"end_word":1888,"sentiment":"neutral","sentiment_score":0.0905531719326973},{"text":"So the newer portfolio as a whole is actually cheaper than your current portfolio, and we should be able to save about $88 in investment fee.","start_word":1889,"end_word":1914,"sentiment":"positive","sentiment_score":0.3951157629489898},{"text":"So that's less money being paid for investment fees and more money staying in your super fund working harder for you. Okay? Mhmm. Yes.","start_word":1915,"end_word":1938,"sentiment":"neutral","sentiment_score":0.2570919096469879},{"text":"Excellent.","start_word":1939,"end_word":1939,"sentiment":"positive","sentiment_score":0.405724823474884},{"text":"Our ongoing service fee does decrease a little bit there just because, obviously, the balance has decreased slightly. We do expect that to be about $32 cheaper. Your contributions continue to go in at the same rate, and your insurance premiums, no change there either. Right. Okay. Under yeah. Underneath that, the investor profile, you've got your balance growth portfolio. So this is reducing your risk level a little bit. And when we look at this balance growth portfolio, it's averaged about 10.02%. So it's almost kept up with that growth portfolio and is performing really, really well, but it's also reducing the risk level a little bit for you. Okay? Right. Yep. Yep.","start_word":1940,"end_word":2053,"sentiment":"neutral","sentiment_score":0.18690764904022217},{"text":"Excellent. So it's only performed about 0.70% less than the current growth portfolio, which is quite good. It's Yep. kept up fairly nicely. It's providing good returns still, Yep.","start_word":2054,"end_word":2082,"sentiment":"positive","sentiment_score":0.4160124063491822},{"text":"but it's also reducing your risk level, which is about protecting your capital. Okay? Right. Okay. Yep. So what did you say? What page what are you blocking? What page am I on? We're on page 18. We're going down to 19 Oh, we now. still want 18. Sorry. My computer's Yep. just coming. That's all. Yeah. Okay. We're still That's on yeah. okay. Okay. Yep. Yeah. You're Right. fine. Yep. Okay. Okay. I'm on on on my Perfect. computer now, so I can read it better. So yeah. That's okay. That's alright. Just let me know when you're down on page number 19 there. 19. Okay. I'm down to 19. Yep.","start_word":2083,"end_word":2194,"sentiment":"neutral","sentiment_score":0.08758730976842344},{"text":"Beautiful.","start_word":2195,"end_word":2195,"sentiment":"positive","sentiment_score":0.48536983132362366},{"text":"Now this is a projected balance. Essentially, this is taking all the information from that previous table and correlating it into a projection. So in the current portfolio, which is where you're taking more risk in that growth environment, if you stayed exactly where you are and the market was able to perform and provide that 10.70% over the next four to five years, you can essentially see where you're expected to end up. So with about 215,000 in four years or with about 200 and 34,000 in five years Yeah. Right. Yes. there. With the recommendations yeah. With the recommendations, we are reducing the risk level down to that balanced growth environment. So instead of having 80% in those higher risk investments, we only have 70% of your funds there. We know that the the expected average return is a little bit less, so we do know we expect the projection to be a little bit less as well. However, it's not too bad. It's only showing over the next four to five years a difference of around 5 to 7,000 from your current. So that newer portfolio is reducing risk. It's still providing a decent return, but we know it's it's expected to be less than where you would currently be if you kept and had that higher Yeah. risk But level. there's Does that no huge make sense? there's not a huge difference in it, really. Hypothetical. No. Correct. So Yes. yeah. Correct. Yes.","start_word":2196,"end_word":2442,"sentiment":"neutral","sentiment_score":0.045243144035339355},{"text":"Correct. It's keeping up really, really nicely.","start_word":2443,"end_word":2449,"sentiment":"positive","sentiment_score":0.4856716990470886},{"text":"The main thing that's important is that it is reducing your risk level for you. So we're starting to protect your capital a little bit. We still know you're gonna feel those ups and downs, but not as as much as you would in that growth environment there. Okay? Yes. Yes. Yes. Yep.","start_word":2450,"end_word":2502,"sentiment":"neutral","sentiment_score":0.059864328998439714},{"text":"Beautiful.","start_word":2503,"end_word":2503,"sentiment":"positive","sentiment_score":0.628063440322876},{"text":"Do you have any questions so far, Sharon? Does that make sense so far? Some with Super, there was talk of the government bringing in for it to to be taxed with Super. Is that gonna happen? Do you think? Well, super is currently tapped in certain ways. So income within the accumulation phase, which is where you're at the moment. So before you retire with your super, you're in that accumulation phase because you're accumulating wealth. Inside super, they do tax income at 15% and Yes. capital gain. So changes to investments are also kept inside super. If you withdraw super prior to the age of 60, there are taxation consequences if you meet those conditions of release. But at the moment, super as a whole, if you are over 60 and you're accessing super and you meet those conditions of release, it's fully tax free. Yes. I don't Right. see how they could change anything with regards to that because, realistically, they want you to build super, and it's got it's gotta be benefits to having super. Otherwise, no one's That's gonna right. wanna use it. So Yep. Yep. yeah. Yep. But at the moment at the moment, that's not changing. They would probably have to Yes. change a lot of the legislation to change a lot of those things. I've heard Albo say quite a lot of different things than what he would like to do with Super. Yes. But at the moment, there's nothing changing currently for you. So yeah. Right. Okay. Alright.","start_word":2504,"end_word":2760,"sentiment":"neutral","sentiment_score":-0.04289612919092178},{"text":"Sounds good. All good.","start_word":2761,"end_word":2764,"sentiment":"positive","sentiment_score":0.4656699597835541},{"text":"Yep. If Yep. you go down to page number 20 for me, this is the table showing the changes in the investment. 20 where am I? Where am I? Where am I? Hang on. You paid 20. I'm on it. Yep. Yep.","start_word":2765,"end_word":2806,"sentiment":"neutral","sentiment_score":0.01259743981063366},{"text":"Beautiful.","start_word":2807,"end_word":2807,"sentiment":"positive","sentiment_score":0.4052688777446747},{"text":"Yep. So you'll see on the first column all the current investments that you do have within the super fund there, and then the the red the buy sell column, which is the red and the green, is essentially showing the changes that we'll make to your portfolio. Yeah. So just going through them nice and easily for you, you've got physical gold in there at the moment. You've got about 7% there currently. We only wanna hold about so we wanna hold about 10% total, so we are gonna buy a little bit more physical Yes. gold for you. Yes. You've got about 33% of the the beta shares a 200. We wanna hold about 20% there, so we're going to sell some of that off to reduce the risk level or reduce some of those Australian equities. Yes. At the moment, you've got the Vanguard fixed interest investment. We are selling all of that down to zero. We're gonna replace that in your portfolio. You've also got their beta shares cybersecurity. You have about 5% currently. We're gonna sell a little over 3,000 off and bring you back to 4% within the portfolio. Yes. You've also got the iShares European exposure. So this is giving you access to all the European countries. In your current portfolio, you had you have 4%. We wanna hold about 7% there, so we're going to buy a bit more of that investment. Okay? Right. Okay. Yep. Yep. The next one down is also European exposure. You currently have 4% of that, and we don't want any of that. We're going to utilize the ICS European exposure because it's cheaper investment and it gives you greater diversification. So we're gonna sell all that ISA's MSCI European exposure. Okay. So That'll if go you to sell zero. that if if you sell that, do you reinvest it into anything else?","start_word":2808,"end_word":3123,"sentiment":"neutral","sentiment_score":0.10961830771610706},{"text":"Is that a stupid question?","start_word":3124,"end_word":3128,"sentiment":"negative","sentiment_score":-0.37781596183776855},{"text":"Yeah. We are. Yeah. No. It's not. It's definitely not a silly question. Absolutely. So, essentially, we start by doing all these, sell. So all the red ones that are minusing, we sell all those off, and that, basically, green. So that money is being reinvested back into other investments for Right. Okay. Right here. Because you. that Yeah. van Yeah. that Vanguard, like, that was I don't know. I don't know if it's still in black. It's in the I don't know. It's got minus thirty nine two. I see. So what are you gonna you're gonna not gonna have that in there anymore? That will be gone. And instead of that investment, we're gonna have the iShares core composite fund. So bonds like fixed interest, defensive assets, we're gonna hold 24% of bonds. Essentially, bonds are think of them like term deposits. You put your money into Yeah. a a bond, The more return and you you're getting get. income. Yep. Yeah. Correct. Correct. But these are also cheaper investments and have performed greater over the past. So it's all part of kind of readjusting your portfolio and moving money into other areas where we've seen greater growth, but Yes. also other protections there. So Yes. we are still kicking those defensive assets. We're just moving the money into something else. So the core Yes. composite funds at the bottom, that will Yes. replace the Vanguard fixed interest investment. You did only hold 9% in Vanguard fixed interest. We're actually gonna hold 24% in core composite funds because we're increasing the amount of defensive assets you have as well. And Okay. it'll bring in more return. Yes. Is that that? Yes. Yes. Well yeah. Yep. Yes. Okay. Yep. Yeah.","start_word":3129,"end_word":3419,"sentiment":"neutral","sentiment_score":0.021860159472706392},{"text":"Excellent.","start_word":3420,"end_word":3420,"sentiment":"positive","sentiment_score":0.3614949584007263},{"text":"With the the European the the MSCI Europe, we're removing all of that because we're gonna have more of the iShares Europe investment, which is actually cheaper. So we're replacing Yes. that. You don't wanna have two European investments. Dreamlining and having one does make it cheaper and better for you. And this iShares Europe investment gives you exposure to all of the European countries, not just one Yeah. or Right. two. Okay? Yes. Yes. Yep. We've also got the iShares MSC Isomitsky Japan in there. You currently hold 4%. We're reducing your weighting to 3%. So we're just gonna sell off $1,624.86. It's reducing Yeah. Right. your exposure. Yes. Yep. The S and P 500, the iShares S and P 500, that is exposed into the top 500 companies on The US market. You currently have 26.14% in there. We only or we wanna hold 25% total, so it means we're gonna sell off a little over 2,000 to reduce your exposure into that investment there. Okay? Yep. Yep.","start_word":3421,"end_word":3590,"sentiment":"neutral","sentiment_score":0.08353303591994678},{"text":"Excellent.","start_word":3591,"end_word":3591,"sentiment":"positive","sentiment_score":0.6531927585601807},{"text":"And then you've got the Vanguard All World x US investment. This is giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. Yep. So you don't hold any of that at the moment. One of the big things about reducing risk is diversifying across the globe, and this investment does that. So we wanna hold about 7% in your portfolio, which means we're gonna buy about $10,588 of that investment. Yep. Okay? Right. Okay. Yep. Yep. Yep. And then you've got the core composite bonds. 24 of the holding will be added to your portfolio, and that is to replace the fixed interest component within your portfolio. Right. Okay. Yep. Yep. Okay.","start_word":3592,"end_word":3715,"sentiment":"neutral","sentiment_score":0.13685616850852966},{"text":"Beautiful. Yep.","start_word":3716,"end_word":3717,"sentiment":"positive","sentiment_score":0.451036274433136},{"text":"Does that make sense? Do you have any questions about that table at all? No. No. No. No.","start_word":3718,"end_word":3735,"sentiment":"neutral","sentiment_score":-0.009183119051158428},{"text":"No.","start_word":3736,"end_word":3736,"sentiment":"negative","sentiment_score":-0.3419983386993408},{"text":"No. That's okay? Yep.","start_word":3737,"end_word":3740,"sentiment":"neutral","sentiment_score":-0.08891820162534714},{"text":"Beautiful.","start_word":3741,"end_word":3741,"sentiment":"positive","sentiment_score":0.4809454679489136},{"text":"If you look at the last column of that table, the target weighting, that essentially shows what you're gonna see in your portfolio at the end of it. So based on the balance, we would expect to have about 15,000 in physical gold, 30,000 in the Australian 200, the top 200 companies on the Australian AOSX, a little over 6,000 in cybersecurity, a bit over 10,000 in the European exposure, a bit over 4,000 in the Japanese exposure, a bit over 37,000 in the S and P 500 for the American market. The all world, a bit over 10,000 there, and then 36,000 a little over in the in the bonds and the defensive component for you. Okay. So where was that where was that title? That's the very last column of that same table we were just going through. Oh, I see. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Yep. Yep.","start_word":3742,"end_word":3893,"sentiment":"neutral","sentiment_score":0.06935641238171804},{"text":"Beautiful. Okay. Yep. Excellent.","start_word":3894,"end_word":3897,"sentiment":"positive","sentiment_score":0.4725659191608429},{"text":"Do you have any questions? Does that all make sense so far? Well, pretty much much as it came to me. Yeah. Yeah. That's Yes. okay. Are there any questions that come up? Well, there's no such thing as a silly question. So is there any questions that have come up that you kind of wanted to have answered? No. No. No. Or no. I don't think That's so. okay. That's okay. On the next page, on page number 21 sorry. This is showing the amount of cash. So all funds need to have a a cash component. There's some money that's held in cash. This shows that at the moment, you've got 3.84% in cash, which means you're currently holding $5,886 in cash. We Right. only wanna hold 1% cash, which is a bit over $1,500 there. So we're gonna take the $4,353 of your cash and have that invested in a table above as well. Okay? Right. Okay. Yep. Yep. Yep. Okay. That makes sense. Yep. It does. So the total Yep. at the bottom of that what's the total at the bottom of that? That's what my system no. That's the total balance. Yeah. That's the cash component plus the investments above in the other table we went through. Yeah. Right. So that's what I have in my super. Is that right? No. That's what you will have in the sleeper after the change. Yes. Correct. Right. Okay. Alright. Yep. Okay. Sounds Does that good. make sense? If it Yeah. doesn't, It does. please let me know. No. It does. I was just wondering where where that ticket come from. That's all. Yep. No. Yeah. Yeah. That's fine. No. That's absolutely fine. So, essentially, your balance at the moment is 153,304. After we make the switch and change those investments as per that table there, you'll end up with a 152,794. So that's after the capital gains consequence for switching or changing the investments has gone into play. And Yes. that is that $1.52 $7.09 8 that you see on the cash total, that is the total of the $1,500 in cash that we will have left in your cash account, plus Right. Okay. the Yep. total investments from the table above once we've made that change. Does that make Yep. sense? It does. It does. Yes. Yep. Yep. Yep. Yep.","start_word":3898,"end_word":4291,"sentiment":"neutral","sentiment_score":0.02777201829000665},{"text":"Excellent. Yep. All good. Perfect.","start_word":4292,"end_word":4296,"sentiment":"positive","sentiment_score":0.44205570220947266},{"text":"Now if you go down to the next page for me, you've got the asset allocation. Yep. Beautiful. Now this is just showing you essentially what the changes will look like. So if we're we're just looking at you've got four or five columns, the asset allocation, risk profile, existing, proposed, and varied. Yep. I'm just sort of looking at the the risk profile, the existing, and the proposed, so the middle three column. If you look at the growth total and the defensive total, these are the highlights in bold columns. Your risk profile as a balanced growth investor would see about 70% Yes. in growth investments, which are these sorts of things here. It's alternative growth assets, property, Yes. international equities, and Australian equities there. And then the other 30% would be in defensive lower risk investments like cash, bonds, and fixed interest, essentially. Yeah. Right. In your Okay. existing growth yeah. In your existing Yes. growth portfolio, you're currently weighted at 87% so 87.08% in those growth investments Yes. and 12.92% in defensive investments. By making the changes in this document, we can see you reduce your growth assets Yes. to 76%. That's reducing how much you have in those higher risk investments and then increasing the defensive component to 24%. Does that make sense? Yes. Yes. Yes. Yes.","start_word":4297,"end_word":4518,"sentiment":"neutral","sentiment_score":0.059682220556177536},{"text":"Beautiful.","start_word":4519,"end_word":4519,"sentiment":"positive","sentiment_score":0.5474565029144287},{"text":"And the various column, the 6% there, that's essentially saying that from the expected risk profile of 70%, you're gonna have 76% in growth asset. So it's it's adding 6% in. And with the defensive component, it's basically subtracting 6% from where the 30% would be. Does that make sense? Yes. Yes. It does. Yep. Yep. Yes. It does.","start_word":4520,"end_word":4578,"sentiment":"neutral","sentiment_score":0.1173752173781395},{"text":"Beautiful. Yes. Excellent. Excellent.","start_word":4579,"end_word":4582,"sentiment":"positive","sentiment_score":0.4891723692417145},{"text":"If you go down to the next page for me, we've got the return and projected out outcome there. So this is sort of showing based on your current circumstances, when you get to the Yeah. age of 67 and fully retire, this is the projected outcome that we would see based on your current recommendation? Yes. Beautiful. Yes. So your goal target income was to earn about 57,200 on a yearly basis from Super and also from a pension if possible there as well. With the recommendations, it is important to be reducing risk as you get closer to accessing super because you don't wanna go into those time years seeing very heavy market fluctuations. Yes. But based on the recommendations and the projected outcome, if you then retire at age 67 based on, you know, current current assets, your super, and the possibility of age pension, we can see that you're eligible for a pension there, And then supplementing a little bit of your super from that as well. Be expected to get your super lasting till around about age 91. You would be able to draw about 50533. So it doesn't quite meet your target goal. It's essentially saying you'd be living on about $6,667 less than what you wanted to earn in retirement to make that last longer. When Right. you get to retirement, you it doesn't mean you can draw down the amount you need to live on, but your super won't last as long as what is expected. You're So right. this is sort of showing you in order to get your super to last as long as possible to age maybe 91, this is essentially the target income you'd be able to draw down. So, realistically, this is not quite meeting your goal yet, but we're not quite there. We've got a bit of time ahead of us. So we can still look at the PCR option down the track. We can also look at increasing contributions down the track to kinda help provide that boost, and Yes. it also depends upon market return. So we've averaged in the projection table about a 10.07% return currently. Yes.","start_word":4583,"end_word":4946,"sentiment":"neutral","sentiment_score":0.0725584070269878},{"text":"However, the market could perform better, which could provide a greater amount of growth to your super.","start_word":4947,"end_word":4963,"sentiment":"positive","sentiment_score":0.36326977610588074},{"text":"So we just need to reevaluate it, keep looking at things, and working longer towards, you know, what we do. Yes. And then when you get to, you know, the age where you actually wanna retire, then we reassess this again and look at what the expectation is based on your balance at that time. So this is just giving you an idea of the projected outcome. It's not a definite. It's saying based on what we know, what we have, this is where Now we're tracking for. Yes. Now correct. But it can definitely change in the future there. Does that make Yeah. sense? That yeah. It does. So meanwhile, while I'm when I'm retired and I'm withdrawing that Mhmm. little bit amount of super and I'm getting my pension, what's left in my super Mhmm. fund is still working, is it? Correct. It is still invested.","start_word":4964,"end_word":5111,"sentiment":"neutral","sentiment_score":0.07597406208515167},{"text":"It's still working. It's still growing.","start_word":5112,"end_word":5117,"sentiment":"positive","sentiment_score":0.4413627386093139},{"text":"Correct. The main thing is we don't get the higher returns. So we also use a very conservative retirement figure. Most people Yes. in their retirement years are very much conservative, probably attracting for around about a five to 6% return in those retirement years. Yes. So we know the returns are expected to be lower. We wanna generate income so we have more of those defensive cash investments like fixed interest and bonds because Yes.","start_word":5118,"end_word":5193,"sentiment":"neutral","sentiment_score":0.10084188337388791},{"text":"we wanna generate more cash out of the portfolio, which helps your drawdown.","start_word":5194,"end_word":5206,"sentiment":"positive","sentiment_score":0.36514270305633545},{"text":"And you'll Yep. see, depending on market reactions could last longer than this, and we could get a greater benefit to it. Yep. But it's about just reassessing it down the track. But yeah. Yeah. Yeah. Right. Does that make Yes. sense? It does. Yeah. Yep. Yeah. Yep.","start_word":5207,"end_word":5254,"sentiment":"neutral","sentiment_score":0.11707677692174911},{"text":"Beautiful. It kinda Yep.","start_word":5255,"end_word":5258,"sentiment":"positive","sentiment_score":0.39083898067474365},{"text":"shows you where we're tracking for. And, look, it's by no means bad.","start_word":5259,"end_word":5271,"sentiment":"neutral","sentiment_score":0.20895957946777344},{"text":"You still can draw a good income that you are gonna be eligible for the age pension.","start_word":5272,"end_word":5288,"sentiment":"positive","sentiment_score":0.4490105807781219},{"text":"And in the next year, four to five years, the age pension is also in debt and reevaluated by a year on the March 20 and September every year. So by the time you get to retirement, the age pension could be higher than where Yes. it is now. Your Yes. super balance, I'm hoping to have a lot higher than where it is now as well, and we'll be able to look at a way to draw down out of both of those to make sure it lasts as long as possible for you. Okay? Yeah. Right. Yep. Yep. Yep. Yeah.","start_word":5289,"end_word":5390,"sentiment":"neutral","sentiment_score":0.17090417444705963},{"text":"Beautiful.","start_word":5391,"end_word":5391,"sentiment":"positive","sentiment_score":0.36942222714424133},{"text":"Okay. Do you have more questions? Has anything kinda come up that you No. wanted Because me it to kinda makes more clarify sense more it makes more for you? sense Or to me than it did last time. Yeah. oh, that's good.","start_word":5392,"end_word":5434,"sentiment":"neutral","sentiment_score":0.034446630626916885},{"text":"That's good.","start_word":5435,"end_word":5436,"sentiment":"positive","sentiment_score":0.4410420060157776},{"text":"Yeah. It is a lot. I fully understand that. As I sort of said, let's do it a little bit easier for you.","start_word":5437,"end_word":5459,"sentiment":"neutral","sentiment_score":0.16965317726135254},{"text":"But I'm still happy to have the actual document posted out to you as a hard copy to make it easier for you to read through Yes.","start_word":5460,"end_word":5486,"sentiment":"positive","sentiment_score":0.38532158732414246},{"text":"as well. Yes. But, yeah, it's all Yep. good. Yep. The next page down is just about retaining your insurance level. Yep. Sorry. Yep. You've got your life insurance cover there.","start_word":5487,"end_word":5517,"sentiment":"neutral","sentiment_score":0.10409180074930192},{"text":"You were happy to keep that for a little bit longer, so we're just retaining that. It is paid out of super and can have an effect on that for you.","start_word":5518,"end_word":5548,"sentiment":"positive","sentiment_score":0.6613886952400208},{"text":"Okay? Yes. Yes. If you go down to page number 25, I can sort of show you that impact there. Yep. I brought it up. Yep.","start_word":5549,"end_word":5574,"sentiment":"neutral","sentiment_score":0.17079569399356842},{"text":"Beautiful.","start_word":5575,"end_word":5575,"sentiment":"positive","sentiment_score":0.45785486698150635},{"text":"So on the bottom of page number 25, you've actually got a heading that says outcome, and underneath that, we have another table with the current recommended and no insurance. Can you see that there? Yep. Yep.","start_word":5576,"end_word":5612,"sentiment":"neutral","sentiment_score":0.11950330436229706},{"text":"Beautiful.","start_word":5613,"end_word":5613,"sentiment":"positive","sentiment_score":0.41063833236694336},{"text":"So this is the same as the projection table. The current is basically your current portfolio with the current projected outcome, Yep. noting that over the next four to five years, this is where we could see if you don't make any changes in your super fund now. The Yes, recommended is ma'am. showing by reducing risk with the current recommended outcome. This is where the projected outcome is expected to be, which isn't too bad at all. Yes. The no insurance column is just to show you a comparison. If you did not have insurances, essentially, this is where the projected outcome could end up after we change your risk and change your portfolio over. So it's Mhmm. just about understanding that, you know, in the next four to five years, by having the insurance paid out of super, it does reduce how much you are expected to end up within retirement, but there's also a level of you need the insurance Yes. if you wanna keep the insurances, so, you know, understanding that. It's not a big impact over the next five years. Essentially, by not having insurance premiums paid, you could end up with about 230,000 there Yes. Under the recommended, we're still recommending you end up with about 226,000 in super. Which So is not it's not this a very is not large impact? v. Yes. Yes. It's not Correct. v. Yeah. Yes. Correct. But we just like to show you that to show you that we understand that there is an impact on on the retirement outcome with this, and Yes. this is essentially what that that impact looks like. Okay? Yes. Yep. Yep.","start_word":5614,"end_word":5892,"sentiment":"neutral","sentiment_score":0.07708224654197693},{"text":"Excellent.","start_word":5893,"end_word":5893,"sentiment":"positive","sentiment_score":0.6962156295776367},{"text":"On all of these pages, when you are when you take some time to read it through, I've outlined the best interest duty for you, which outlines With your life the insurance. the reasoning behind my recommendations, yeah, and then relates Yes. it back to your goal. Yes. We've also got the advantages, the disadvantages, and the risks involved. I outlined some of those as part of our conversation, but going through all of them becomes a lot. So I'll let you go back and have a bit of a read through those as well. Yes. I've also got any alternatives that we have considered as part of the research, the the advice for you. Okay? Yep. Yep. Yep.","start_word":5894,"end_word":6012,"sentiment":"neutral","sentiment_score":0.1445484161376953},{"text":"For Excellent. sure.","start_word":6013,"end_word":6015,"sentiment":"positive","sentiment_score":0.5619515776634216},{"text":"And then down on page number 29, we just have the beneficiary side of things as well. So as we kinda went through updating your beneficiaries, you wanted to make sure that if anything happens, that Yes. your kids are looked after with the super and the life cover paid out to them. Yes. Yes. Because inside superannuation, there is a tax impact on the taxable component where non tax dependent, so children over the age of 18 or non tax dependent, can pay up to 17% tax on the amount. So having it directed through your will and picking what's called legal personal representative, Yes. That means that if anything happens to you, your super and your life insurance premiums are paid to your estate, and then they will be distributed alongside your will as per your direction. Yep. It does Right. not alleviate a 100% of the tax consequences, but But it there's does still mitigate it's a low, is it? It or lowers it it. does it reduces the amount of tax that would be paid by your dependent if they receive the benefit there for you. So Yes.","start_word":6016,"end_word":6207,"sentiment":"neutral","sentiment_score":0.15558741986751556},{"text":"it is and it gives you a lot more control as to how you want that money paid if it was directed straight to your kids from the from the and the life insurance proceeds. They just receive the benefit as it is.","start_word":6208,"end_word":6250,"sentiment":"positive","sentiment_score":0.3841871619224548},{"text":"In your will, Yes. your lawyer can help you to set up trust or allocate money depending on how good your kids are with money or, you know, their consequences and things like that. So you have a Yes. lot more control with your will as to where you want money to be paid to, who you want it to go to, and what percentage you want them to receive of those funds as Yep. well. Yep. Okay. Yep. Okay. Yep.","start_word":6251,"end_word":6331,"sentiment":"neutral","sentiment_score":0.1829131319199079},{"text":"Excellent. I outlined again the best interest, Judy, and why I'm making that recommendation for you.","start_word":6332,"end_word":6347,"sentiment":"positive","sentiment_score":0.5934812426567078},{"text":"I've got below the advantages, disadvantages, and risks in both, so you're fully informed before you decide to take the recommendations. And then I know you were in the process of doing up your will. I believe your niece is a solicitor. Is that right? The lawyer? Yes. Yep. Yep. Yep.","start_word":6348,"end_word":6398,"sentiment":"neutral","sentiment_score":0.1403535008430481},{"text":"Beautiful.","start_word":6399,"end_word":6399,"sentiment":"positive","sentiment_score":0.560802161693573},{"text":"And below this, I have also noted that just doing up your will, having a power of attorney put in place, and the advantages, disadvantages, and risks involved there. I know you are in the process of having that done, but I wanted to make sure this still was in the advice document for you to kinda give you a little bit more information around that side of things. Yes. Yep. And that way, you've got you've got a bit more clarity on why I'm recommending things the way I am. Okay? Yep. Yep. Okay. Yep. Okay.","start_word":6400,"end_word":6496,"sentiment":"neutral","sentiment_score":0.12169215083122252},{"text":"Excellent.","start_word":6497,"end_word":6497,"sentiment":"positive","sentiment_score":0.4674275815486908},{"text":"The only other thing to kinda clarify is that you do pay us an ongoing service fee, which is 1.65% per annum. Next year, our fees will be changing a little bit, but right now, you're still on the same fee. It is on page number 41, we've outlined what that is. It's expected to be 2,624 for the year. The way it essentially works is 1.65% per annum, and then it is deducted smaller monthly increments out of your super.","start_word":6498,"end_word":6578,"sentiment":"neutral","sentiment_score":0.1186489537358284},{"text":"And that sort of is the fee for us looking after your super, providing advice, and keeping you on track towards your goals.","start_word":6579,"end_word":6601,"sentiment":"positive","sentiment_score":0.4009913802146912},{"text":"Yes. As part of that fee, we don't charge any implementation or upfront fees for advice. So we can do two, three, four, five advice documents, as many as you need over the course of the year, and there's no additional charge for those advice documents. It's all incorporated in that ongoing service fee that you do pay for our services. Right. But Does that you make really, sense? like, as you were doing it up though, you really don't notice that? Really? Like, No. do you? Correct. We yeah. No. Correct. That's the idea is we don't really want it to be a noticeable. It's about having it in the background. You kinda want your super to be growing and building to cover the fees that you're paying, but also compounding and building on growth for that as well. So that's Yes. essentially Yes. how we want it to work, but it's just that also being a professional service and making sure that we are able to earn because there's a lot of cost involved in doing up advice and the research and everything behind the scenes. So Yes. Yep. most people just talk to me, but I have a whole team of people that helps me do the research, put the advice together, and do all the bits and pieces. Yes. Yeah. Yeah. Yes. So yeah.","start_word":6602,"end_word":6829,"sentiment":"neutral","sentiment_score":0.16462783136388712},{"text":"Excellent.","start_word":6830,"end_word":6830,"sentiment":"positive","sentiment_score":0.478584349155426},{"text":"And with your insurance policy with the sender, we're just disclosing that you do so you don't, but the insurance company does pay us a remuneration or an ongoing percentage of the premium. It Yes. is paid by the insurance company to us, not by you in any way. So it's just letting you know that this is disclosed. Yes. It's got no impact on our advice in any way, shape, or form. We're retaining that policy because it's important to you to retain, But Yes. we're expected for the year to receive about a $155 in in essentially remuneration Yep. from the insurance company for that policy. Okay? Yeah. Right. Yep. Yep. Okay. Yep.","start_word":6831,"end_word":6945,"sentiment":"neutral","sentiment_score":0.12644410133361816},{"text":"Excellent.","start_word":6946,"end_word":6946,"sentiment":"positive","sentiment_score":0.49576663970947266},{"text":"To make things easier, if you decide to take on the advice, how we will implement it will be you will just sign the advice document and send that it comes back to us automatically once it has been signed. Can I find And then it online? we will do the switch yeah. Yeah. Oh, Absolutely. no. It's Yep. done. Actually, it's Oh, done.","start_word":6947,"end_word":7010,"sentiment":"neutral","sentiment_score":0.2212829478085041},{"text":"thank I've you. done it.","start_word":7011,"end_word":7015,"sentiment":"positive","sentiment_score":0.6434372067451477},{"text":"That's Yeah. okay. Did you still want me to get the team to post out the other one to you? I think I'd like a hard copy to have you in case I you'd never know me. Yeah. I could lose it on Yeah. my computer. Absolutely.","start_word":7016,"end_word":7062,"sentiment":"neutral","sentiment_score":0.046720411628484726},{"text":"That's absolutely fine.","start_word":7063,"end_word":7065,"sentiment":"positive","sentiment_score":0.4184671640396118},{"text":"Are we gonna touch base later about that transition into retirement thing too? You were you were gonna look into that. Absolutely. Remember that? We were just doing this Yep. for now? Yep. Absolutely. So yeah. Yeah. Yeah. We're doing this for now, and then we sort of talked about touching base maybe early January and looking at that retirement strategy. Does that sound okay to you? We'll sort of get through this, go through Christmas, and then sort of come back and look at it early next Yep. year, or did you wanna do it beforehand? No. I think after Christmas. Yeah. Yeah. Definitely Yep. Yep. after Beautiful. yes. It's crazy. The Well, year Christmas is flying is really by, isn't it? Christmas is really upon it. So yeah. Yeah. I know. I know. Yeah. But, yeah, look how we'll implement this to make it easier. You'll just sign and return that back. We will do all the changing of the investments in the background. You might receive an email here or there to let you know that we're making those changes, Yep. And then we'll organize and send your beneficiary nominations to you. We'll help to refill those. You'll sign and send them back, and then this is about doing your will and power of attorney through your lawyer or your solicitor. Okay? Okay. Yep.","start_word":7066,"end_word":7292,"sentiment":"neutral","sentiment_score":0.09650500863790512},{"text":"Sounds great. Okay. Beautiful. All good.","start_word":7293,"end_word":7298,"sentiment":"positive","sentiment_score":0.4737937152385712},{"text":"Now with the other document, I do have to let you know, is the ongoing service agreement for us for the next twelve months. That was due to be renewed now as well. So that is the other document attached to the to the statement of advice email there. Did you just wanna confirm because you said that you had signed that. Well, I haven't Has it taken I you haven't to the next pressed I haven't pressed sign. year? I haven't pressed to sign yet. Do I press sign all? If you're comfortable, are you comfortable to sign and take on those recommendations now? Did you wanna go through that again? Yes. What would Yes. you I what am. are you comfortable Yeah. with? I am Yep.","start_word":7299,"end_word":7426,"sentiment":"neutral","sentiment_score":0.024175717029720545},{"text":"comfortable with that.","start_word":7427,"end_word":7429,"sentiment":"positive","sentiment_score":0.4401025474071502},{"text":"Yep.","start_word":7430,"end_word":7430,"sentiment":"neutral","sentiment_score":0.2638433575630188},{"text":"Yep. Perfect.","start_word":7431,"end_word":7432,"sentiment":"positive","sentiment_score":0.4796302318572998},{"text":"So if you press the sign button, it'll give you an option to sort of pre fill your signature for you. If you're comfortable with that, you can just click on it, and it will allocate it. So it's got two buttons. It's got sign and it's got sign all. So you sign it's just gonna sign one document at a time, or sign Oh, all rubbish. will allocate your signature to both the documents at the same time to make it easier. I'll press sign all. I'm not sure do that. Yep. Yeah. Yep. Is that right? I'm the same. Okay. Yep. Alright. And then what does the next one say? What does it say next? Place someone below. It's got your date. You gotta put your date and stuff in, which is the twentieth. Yep. So you just click on that, and it should automatically prepopulate the It dates says next for you. next next document. Yep. And it will take you down, which is the ongoing service agreement there as well. Yep. And click to start. Next. Yep. Okay.","start_word":7433,"end_word":7614,"sentiment":"neutral","sentiment_score":0.09104597568511964},{"text":"Oh my god. It's very little. What I don't know what I've done.","start_word":7615,"end_word":7627,"sentiment":"negative","sentiment_score":-0.41334056854248047},{"text":"No. That's okay. What's it sort of saying? Oh, okay. Now I gotta put the date in the dates in. Validate and send completed document. So I press validate and send Yep.","start_word":7628,"end_word":7659,"sentiment":"neutral","sentiment_score":0.0017575982492417095},{"text":"completed Beautiful.","start_word":7660,"end_word":7661,"sentiment":"positive","sentiment_score":0.44130954146385193},{"text":"document. Yep. And that will send back to me, and it should it might also send you an email letting you know that's all being done. Okay. Alright. So that's under oh, that's pretty that's under Netwealth. Alright. For you. Netwealth. So, yeah, so Netwealth is the super fund that owes you we're the financial advisers. So we're the financial advisers who help you to monitor. We open the super fund, but Netwealth is the actual super fund that you have. So therefore, I put that under network file. Was that right or not? If that's yeah. If you want it under net oh, that's absolutely fine. It's it's more just depending on how your file system works. Did you want the documents noted under or if you as your advisers knowing that we look after all those assets, or what how do Yep. you sort of how does it Well, I've got an APU work an APU file. I did have it I've for got a Netwealth one too, but I don't know what to put you? in what. That's okay. If you put on honestly, what I sort of do with a lot of my stuff is anything provided by the adviser going under the OC file probably makes it easier because then you can see everything that you've got there. Like, the ongoing service agreement is added Everything's to there. Netwealth as your super fund, but we're the ones that receive funds. So maybe keeping it all together might be easier for Just you. all under Yeah. oak juice. Won't confuse me too much. Yeah. Okay. All done.","start_word":7662,"end_word":7932,"sentiment":"neutral","sentiment_score":0.06906788977639701},{"text":"All good. Beautiful. All good. Well, thank you Okay. so much. Now I've just been notified that it has all come back signed, so thank you so much for that.","start_word":7933,"end_word":7962,"sentiment":"positive","sentiment_score":0.4928226172924042},{"text":"My team will post out the documents to you, hard copy on Monday if you've got a copy of it there. And then if you Mhmm. do find you have extra questions, let me know, but we'll go forward and kinda do all the implementation and get the investor switch completed for you. Okay? Okay. Alright.","start_word":7963,"end_word":8018,"sentiment":"neutral","sentiment_score":0.21956172585487368},{"text":"Sounds good.","start_word":8019,"end_word":8020,"sentiment":"positive","sentiment_score":0.5448960065841675},{"text":"Okay.","start_word":8021,"end_word":8021,"sentiment":"neutral","sentiment_score":0.29362547397613525},{"text":"Easy.","start_word":8022,"end_word":8022,"sentiment":"positive","sentiment_score":0.39594826102256775},{"text":"Is there any questions or anything that's kinda come up, Sharon, that you might wanna have No. me follow-up for you? Or I see I think that's it. I got a bigger picture of it was with yep. yeah. Yep. Yep.","start_word":8023,"end_word":8063,"sentiment":"neutral","sentiment_score":-0.010629279538989069},{"text":"Beautiful. Fantastic. Okay. Alright. Excellent. Well, thank you so much for your time today. I hope you have a good Thank day. you.","start_word":8064,"end_word":8086,"sentiment":"positive","sentiment_score":0.7168692350387573},{"text":"If I any questions do come up, let me know. And then once we've gone through this, I'll make a note to touch base with you probably January when we come back from the Christmas break, which is early January, and we'll can't. make Yes. a time to kinda go through and reassess that transition time and strategy for you. And in the meantime, if anything else comes up, let me know. Okay? I will. I will for sure. Okay. Alright. That's okay.","start_word":8087,"end_word":8169,"sentiment":"neutral","sentiment_score":0.08649798482656479},{"text":"Okay. Thanks. Thank you. Have a lovely Thanks. day and a nice weekend.","start_word":8170,"end_word":8182,"sentiment":"positive","sentiment_score":0.6686074137687683},{"text":"No worries. You Okay.","start_word":8183,"end_word":8186,"sentiment":"neutral","sentiment_score":0.26984506845474243},{"text":"you too, Sharon. Thank you for your time. I appreciate it. That's okay. Thank you.","start_word":8187,"end_word":8201,"sentiment":"positive","sentiment_score":0.6122165322303772},{"text":"Okay. Bye.","start_word":8202,"end_word":8203,"sentiment":"neutral","sentiment_score":0.2712002396583557},{"text":"Thanks. See you later.","start_word":8204,"end_word":8207,"sentiment":"positive","sentiment_score":0.4420015215873718},{"text":"Bye. Bye.","start_word":8208,"end_word":8209,"sentiment":"neutral","sentiment_score":0.1704559028148651}],"average":{"sentiment":"neutral","sentiment_score":0.1052622338594214}}}}