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Is that still a good time for you? Perfect. Just to get started on that one, Kendall, if I could just pass you through security with that name, date of birth, and current address, we'll get started on that one, sir. Perfect. Thank you for that one. And then just given that it was just a bit over a month there since we last sort of spoke, can I just confirm that nothing in relation to, like, your occupation, job, or anything like that has changed? Perfect. Brilliant. And I definitely know these calls are recorded for quality and training purposes there as well, Kendall. Okay. But in saying that there, I will be sending out an audio sign with the documents there to your email @Kendall.Williams83atGmail.com. Is that still correct? Perfect. So that will be there with you shortly. And then with that, you'll have your statement advice and the appendix to that one. Now it is quite a straightforward advice piece just based on the fact that we're mainly just looking at the superannuation side of things and those investments and then just the estate planning just because you just don't have that valid nomination, I believe it was. Let me just double check that one. Let me just double check. There's just loading up. There is that email come through there just while I'm checking that one? Checking those nominations. Yeah. The the nomination on both your your hub 24 and your your towel just haven't been completed. I know you had the will set up recently, and then you're pretty sure you have the power of attorney that should be your wife. But just for in regards to beneficiary side of things, just because they're a non estate asset, they do have to be done separately. And I think we've recently sent you a copy there as well. Yep. Not a problem. I'll just have a I'll just double check forms and everything and make sure it wasn't That's in regards to if you, like, made any adjustments. So I'll run through the advice there with you and make sure you understand everything. And then if you did wanna make any adjustments to the advice, then that's where you'd sort of put in on what you wanna accept and what you've done if you were signing it. Obviously, you don't accept any of it. You just don't have to sign it. And, obviously, if you just wanna accept parts or nothing at all, obviously, it's quite straightforward in the sense that we're basically just recommending that you maintain your current hub 24 and change those underlying investments. And then we just put in the salary sacrifice there for you as well because, you know, you're thinking about the 50 or a 100 there and then the beneficiary nominations and then just ensure that because I noticed the power of attorney, you weren't too sure ensure that you do have that will and power of attorney just as a reminder. In regards to the document was created for yourself, the finalize on the thirty first of of March there. In regards to that one as well, it was prepared by myself as an authorized representative under Oakview Financial and the team here there as well. In regards to best interest, that's just basically saying if we can't put you in a better position, we won't recommend it. That's sort of the the goal when we make recommendations. We don't wanna sort of make recommendations. It's gonna make you worse off. And then as far as the considered advice, it's just in regards to reviewing the superannuation, make sure those investments are adequate moving forward just with how Benelon has performed in the the portfolio as a whole, just reviewing that. In regards to that as well, just the estate planning side of things, making sure those beneficiaries do get done. I know in regards to the insurances, you are happy with what you did have and then the amount that it did covered, so that's scoped out there as well. So, yeah, in short there, we're recommending retaining that hub twenty four just because it's still competitive retail product, changing those underlying investments, starting the salary sacrifice of a $100 there, and then also establishing the beneficiary nominations and just touching on your estate planning, make sure that's all correct. On page seven and eight, you will see your details there. In regards to your total savings, you just didn't disclose what you actually have jointly with your partner, so it's just an undisclosed amount, which is fine, and then just the the house and the mortgage value there. Now in regards to your insurances there, on page nine, you will see the life and TBD amount that you are covered for. As far as the risk profile there, we're just saying with the growth portfolio. So when we did that risk profile, you still came out as a growth investor, that eighty twenty split of growth versus defensive assets. And we're just trying to keep you in line with that even with the update. But do you have any questions in regards to the growth portfolio or anything in regards to that? Perfect. As far as the recommendation goes, Deb, so there will be a change in the investments that you do hold and then what you'll be holding moving forward. Basically, just to refresh the portfolio, update it, and making sure it's moving forward is in your best interest there. So within regards to that one there, we consider the CGT implications of that in the core of your portfolio the same. Although, like, you do have quite a bit of time till retirement there, we're not forecasting that far out. We're just trying to get you in a bit of a better position over the next five to ten years. And then with the recommended portfolio there, you'll be reducing your ongoing investment fees with that one, which has more money invested over time, which helps sort of capitalize on on growth there. You'll be reducing your level of risk that you do hold on that, and it will enhance the level of sort of diversification you currently have in your portfolio between those those funds that are recommended. So as far as the disadvantages there, there's always a chance that, like, the portfolio doesn't perform in regards to how it has performed previously on the recommendations performing. So it's just past in our performance is not indicative of future performance. But with that, the the guarantee is you will have those lower investment costs. It's still in line with your agreed risk profile. It still aims to have that sort of eighty twenty split. It's closer a bit more to that 88% growth assets, but that's mainly because they consider gold to be entirely growth when it can be considered defensive as well. So you will have slightly more allocation to growth assets, but then it will also reduce the level of active component you have with managed funds by removing that Benelon fund there as well. And you'll still maintain your ClearBridge rare infrastructure fund, which will help sort of aim to outperform outperform the market and get you that little bit of alpha generation of trying to do better than what the markets are doing themselves. They're also spreading your investments across those alternative other investments there, removing that underperforming Benelong, and then also removing some bank hybrids there, which are just getting phased out, which is just why they're getting removed. And then with that, it helps minimize the CGT gain because we are maintaining a lot of the core of your portfolio and just changing a few of those satellite investments and then just rebalancing in line with what the portfolio was originally just to help with crystallizing some of those gains and spreading that across to be a little bit more diversified across the different investments. Perfect. Obviously, with that, when changing the investments, there's some portions that will be sold down to cash. And with the way the markets are at the moment, there is a chance that they do go up and down in that time frame. If they do go up, unfortunately, you might miss out on a little bit of that growth. But if they do go down again, then you might sort of get a bit of a a lower cost. But over the long term, given your time to retirement, it's not a huge thing whether it goes either way. It just there's a little bit can be a bit of a negative impact, if that makes sense. Perfect. And then with that, we did consider a few alternatives there as well by doing a full sell down moving funds to different platforms that may be a little bit cheaper. But with your capital gains that you do have there, it's not worth doing that given how competitive Hub twenty four still is. In addition to that window, we also looked at being in an alternative portfolio that maybe has a little bit more growth or just changing the investments entirely, but that just led to a higher capital gain consequence as well, whereas you're happy with your your portfolio is performing largely quite well. And this just rebalances, removes those underperforming asset, and then just gets rid of the asset that will eventually be phased out anyway and then just gets you back on on track to, hopefully, some sustained long term growth. Perfect. Did you have any questions in regards to that recommendation at all? Yep. Obviously, with the change, you will pay a little bit in brokerage and then, like, a little bit with the the buying and the selling of the assets. As far as the CGT, you can see removing mainly the underperforming assets. Any losses will be carried forward for future gains, and then you'll be saving on investment fees. And then with that, if your portfolio does perform better, the advice fee will go up, and that's just based on projected growth. The portfolio is recommended to do better without that underperforming asset as well. That's why that all goes up, but that's just based on the five year or three year rolling averages. Sorry. Just based on the what's available. And then with that, there's no sort of guarantee that's what is gonna happen. That's just based on the fact that given you will be saving money, you will be a little bit less risky having that index investment instead of the Benelon investment and still maintaining a portion towards active to still aim for a little bit of higher growth. So at the moment, you're sitting around 84% in total growth assets, around 15% in defensive. Now with the the rebalance and the changing of that, it does bring you close to 88% growth assets. But with that, that's because gold is considered a totally alternative growth asset. And it can act as defensive, like, what you see, like, with wars that have been occurring in the past few years and things like that. Gold has, like, got a lot of capital growth as well, which is why it's been considered that. But in saying that, it can be quite defensive in nature that it does hold value. It is a bit cyclical when things go bad. That gold technically kind of holds its value or goes up even. But just the way it's classified in this is just it's a 100% of growth asset there as well. As far as the allocations, it is still quite in line with the high a growth sort of portfolio there of OP Financial. You can see the breakdowns there on page 17 of, like, shaming for the Australian equities, international equities. Does have a bit of a high allocation to growth assets that are alternative because that ClearBridge fund is in is also considered an alternative growth asset. But given that goal, it can be considered a bit defensive as well. It's fine having that sort of allocation to that. But do you have any other questions in regards to the portfolio, the splits, or the allocations there at all? Perfect. On page 18 there, you will be able to see the recommendation. Now within regards to recommendation as well, it does all consider the salary sacrifice that we have recommendation of that $100. So with the net contributions, that does go up, including that minus the tax you will pay, putting into super versus taking it home there, which will all contribute to having a bit of a higher superannuation balance and having that compounding effect. Now on the the next page over, you will be able to see what that looks like in terms of, like, growth over five to ten year period based on if it was to sort of present as, like, a three year year on year. But in saying that, like, the last three years are never gonna replicate. So it's just a nice sort of illustration if, you know, this is what might happen given that. But in saying that, the main guarantees there are you would be contributing more. You would be saving on investments, which would all consider contribute to growth even if the war continues, then the growth is a little bit more stagnant for the next twelve months. But in saying that as well, the salary sacrifice arrangement is that $100 per week. Then the appendix there as well, you can see what $50 a week would look like in terms of contributing to super and, like, a a value with that, just to your reference. Because on page 21 of the SOA, you can see what that looks like in terms of how much your salary is sacrificing, how much your taxable income would be, how much your tax is paid on that taxable income, and then how much tax you'd be paying in super versus what you're paying at the moment, and how much of that would be contributed to the fund and what those net contributions would look like. So there's one there for the $100 a week, and in the appendix, you'd be able to see the $50 per week. If you did decide you only wanna do the 50, you can put it in that little text box there that I only wanna do $50 per week per, like, the appendix, not the statement of advice. And then with that, you can just let your employer know that's what you wanna start, and then we'll have that to state, basically, you're doing the 50, not the 100. But with that, given your current circumstances there, given that you don't wanna sort of look at the moment in terms of doing any sort of outside super investment and just getting that super growing to have a little bit more compounding at least while you've got that savings per week that you're not really doing too much with at the moment, you can forego. You can look at sort of bolstering up your super now, lowering your effective tax rate outside of that, and then basically, you know, getting a bit of a head start on that compounding effect with your super contributions versus trying to chase it up later sort of towards your late fifties. By doing that, you obviously lean towards creating that future retirement fund and helping sort of bolster that up. In addition to that one, it will, like, lower your effectual like, effective tax rate from a 115 down to a 109,000 for what you're paying tax on there as well. And then you can see that cost savings difference of what you're paying inside versus outside to help get those retirement goals a little bit closer in reach and having that money put aside. Obviously, the disadvantages of that, you are locking that money as way. You can't touch it until you sort of meet a condition of release. And then with that, obviously, it's cash flow dependent. You can stop at any time if you let your employer know type deal, so that's more than fine. It's just the money you have put in or would be putting in that's locked away. Another risk in regards to that is obviously, you know, with the markets and how they can be quite volatile, although you're putting money in there as well. There could be dips and things like that there as well that, you know, in the long term, they might sort of have impact on those retirement goals. So that aren't, like, guaranteed, but it is guaranteed that you're putting more money in early. You're getting that compounding. And then even with the dips, you do have enough time to retirement that you're getting that money invested now and then writing out those over the next sort of twenty years. Yep. We did also consider just the $50 per week, but given that Yeah. Yeah. And then obviously, you can sort of look at doing that depending on your cash flow. But given you I do have that spare $100 per week, it means you're having that towards super there and then also just not making total size sacrifice contributions. But given that your sort of main goal at the moment is to get that super growing get it growing early, that's why we sort of looked at recommending that you do the $100 per week. Perfect. In regards to beneficiary nominations, I know sort of it with your partner, that is the the main person there that you have at the moment. So we are recommending that you just leave it a 100% to your spouse. Now you don't have to to do that if you want to leave certain things to your family and that with the will. And if it is stipulated in the will, you can leave it to LPR, which is distributed that way. But yeah. The spouse yeah. Perfect. Yeah. So with the the spouse there, they'll receive it a 100% tax free, and it just means if anything happened to you, that'd be the beneficiary, and it doesn't go to the estate. If you had, you know, an ex spouse that might sort of come after you, your money or funds and things like that, benefit of super, anyway, since it's a non estate asset, and if your nomination's valid through your spouse, it just means they get it. There's no sort of if, then, or buts. It's very rare that it's contested being contested successfully. And then with that, you'll have that peace of mind that the person you want to get it, then they will receive it. And then within regards to disadvantages there, obviously, it does go to that one person, and you may sort of wanna split it, which you can do through the will and things like that. But in saying that if you you like your your partner enough and they're that's all beneficiary, that's not really an issue with that. Yeah. That'd be obviously, the alternative there is you can leave it to the the will there to be distributed that way, but then that comes with the risk of being contested. And the the taxes are a little bit different going to a will versus a dependent, which is your spouse, so 100% tax free, which is nice. And then with that, there is a section there to make sure you do have that established will and a power of attorney attached to that, which I know you're pretty certain on the will. You're not too sure exactly on the power of attorney. So there is just a section on that there as well, but I won't delve into that too much just given the fact that you're pretty sure it's all pretty well sorted. The spouse is the one that just got that sorted for you. On page 32 there, you will see the remuneration. So within regards to that, the fee remains at the 1.65%. And then the the premium for for Tal, we do get 22% commission for holding the policy with Tal. That's not an, like, payment you pay to us. It's what the insurer pays, yeah, through your premium. So that all remains the same. Those decisions remain the same. In such time, if you know your partner did come on board, they still do have that 1.1% couples fee. So if she ever did wanna look at sort of having a super looked at, I know you said she was pretty happy with where she was. Yeah. But in the future, you never know. So that's still around at the moment. And then within regards to what happens next, so if you were happy with everything there and did sign there, you obviously sign or if you would switch your underlying investments. It would be up to you to let your employer know to start the salary sacrifice. They can draw up a salary sacrifice arrangement letter that you can pass on to your employer, but it is kind of as simple as going to payroll and going like, I wanna start a $100 per week. And then within regards to beneficiary nomination there for your super insurances there, it is up to you to be able to fill out those forms and send them back there. But do you still have a copy of those? I believe they might have sent one out. I'll just double check. Let's see if it did get sent out. Believe after the last time we spoke, I made a note of it, but I don't believe anyone sent it there to you at the moment. So I'll make a note of it, and I'll get them to to send that out to you. Yeah. I'm not too sure what it would have happened because, obviously, you would have got the forms when you first came on board there. I'm not too sure if they were lost in the mail or not. Or yeah. I don't mean to, like, bag on Australian Oz Post either, but, yeah, they they tend to lose a lot. I've seen in Very fair. But, yeah, I'll get them to dial those forms out to you to your address, and you expect those sort of in the next week or so. Yeah. And then you just gotta get them witnessed by someone that's not your your spouse if she's nominated party, and then, yeah, you're all sorted. And then you can take even a photo of that and email them back through as long as it's clear, and you can even keep a copy or you can send them back at yeah. They can you can scan it through and just email it back there. And then happy days. There's not sort of an issue of it getting lost in the mail or in transit there, which is fine. But do you have any questions in regards to that at all, Kendall? Does that all pretty much make sense? Not a problem at all. As I said, there is the appendix there. It's quite straightforward given the advice that just shows the alternative for that value sacrifice. You do have the list of investments there as well if you do wanna have a little squeeze and see what the changes were and what was being recommended. But other than that, quite a straightforward advice piece with the investment switch and the salary sacrifice arrangement. Not a problem at all. Well, if you were to have that, you could go ahead and sign. If you want a second to read through it, you've got more enough time to be able to read through that. It's valid for thirty days without confirming details, another thirty after that. So you've got plenty of time if you wanna do. Just have a read through it, make sure you were happy with everything, and then go ahead and sign it. Or you could just go ahead and and sign it there, and they'll get that sort of on the role and implemented when, I believe, they're away this week for the person responsible, but possibly next week. No problem, Kendall. Brilliant. If you had any other questions, feel free to reach out. Otherwise, I'll let you get back to your afternoon. I won't take up any more time. No problems, Kendall. Enjoy the rest of your day. Cheers. 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afternoon, Kendall. It's Carl calling from OPU Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just scheduled in to go over your statement advice this afternoon. Is that still a good time for you? Perfect. Just to get started on that one, Kendall, if I could just pass you through security with that name, date of birth, and current address, we'll get started on that one, sir.\n\nPerfect. Thank you for that one. And then just given that it was just a bit over a month there since we last sort of spoke, can I just confirm that nothing in relation to, like, your occupation, job, or anything like that has changed? Perfect. Brilliant.\n\nAnd I definitely know these calls are recorded for quality and training purposes there as well, Kendall. Okay. But in saying that there, I will be sending out an audio sign with the documents there to your email @Kendall.Williams83atGmail.com. Is that still correct? Perfect.\n\nSo that will be there with you shortly. And then with that, you'll have your statement advice and the appendix to that one. Now it is quite a straightforward advice piece just based on the fact that we're mainly just looking at the superannuation side of things and those investments and then just the estate planning just because you just don't have that valid nomination, I believe it was. Let me just double check that one. Let me just double check.\n\nThere's just loading up. There is that email come through there just while I'm checking that one? Checking those nominations. Yeah. The the nomination on both your your hub 24 and your your towel just haven't been completed.\n\nI know you had the will set up recently, and then you're pretty sure you have the power of attorney that should be your wife. But just for in regards to beneficiary side of things, just because they're a non estate asset, they do have to be done separately. And I think we've recently sent you a copy there as well. Yep. Not a problem.\n\nI'll just have a I'll just double check forms and everything and make sure it wasn't That's in regards to if you, like, made any adjustments. So I'll run through the advice there with you and make sure you understand everything. And then if you did wanna make any adjustments to the advice, then that's where you'd sort of put in on what you wanna accept and what you've done if you were signing it. Obviously, you don't accept any of it. You just don't have to sign it.\n\nAnd, obviously, if you just wanna accept parts or nothing at all, obviously, it's quite straightforward in the sense that we're basically just recommending that you maintain your current hub 24 and change those underlying investments. And then we just put in the salary sacrifice there for you as well because, you know, you're thinking about the 50 or a 100 there and then the beneficiary nominations and then just ensure that because I noticed the power of attorney, you weren't too sure ensure that you do have that will and power of attorney just as a reminder. In regards to the document was created for yourself, the finalize on the thirty first of of March there. In regards to that one as well, it was prepared by myself as an authorized representative under Oakview Financial and the team here there as well. In regards to best interest, that's just basically saying if we can't put you in a better position, we won't recommend it.\n\nThat's sort of the the goal when we make recommendations. We don't wanna sort of make recommendations. It's gonna make you worse off. And then as far as the considered advice, it's just in regards to reviewing the superannuation, make sure those investments are adequate moving forward just with how Benelon has performed in the the portfolio as a whole, just reviewing that. In regards to that as well, just the estate planning side of things, making sure those beneficiaries do get done.\n\nI know in regards to the insurances, you are happy with what you did have and then the amount that it did covered, so that's scoped out there as well. So, yeah, in short there, we're recommending retaining that hub twenty four just because it's still competitive retail product, changing those underlying investments, starting the salary sacrifice of a $100 there, and then also establishing the beneficiary nominations and just touching on your estate planning, make sure that's all correct. On page seven and eight, you will see your details there. In regards to your total savings, you just didn't disclose what you actually have jointly with your partner, so it's just an undisclosed amount, which is fine, and then just the the house and the mortgage value there. Now in regards to your insurances there, on page nine, you will see the life and TBD amount that you are covered for.\n\nAs far as the risk profile there, we're just saying with the growth portfolio. So when we did that risk profile, you still came out as a growth investor, that eighty twenty split of growth versus defensive assets. And we're just trying to keep you in line with that even with the update. But do you have any questions in regards to the growth portfolio or anything in regards to that? Perfect.\n\nAs far as the recommendation goes, Deb, so there will be a change in the investments that you do hold and then what you'll be holding moving forward. Basically, just to refresh the portfolio, update it, and making sure it's moving forward is in your best interest there. So within regards to that one there, we consider the CGT implications of that in the core of your portfolio the same. Although, like, you do have quite a bit of time till retirement there, we're not forecasting that far out. We're just trying to get you in a bit of a better position over the next five to ten years.\n\nAnd then with the recommended portfolio there, you'll be reducing your ongoing investment fees with that one, which has more money invested over time, which helps sort of capitalize on on growth there. You'll be reducing your level of risk that you do hold on that, and it will enhance the level of sort of diversification you currently have in your portfolio between those those funds that are recommended. So as far as the disadvantages there, there's always a chance that, like, the portfolio doesn't perform in regards to how it has performed previously on the recommendations performing. So it's just past in our performance is not indicative of future performance. But with that, the the guarantee is you will have those lower investment costs.\n\nIt's still in line with your agreed risk profile. It still aims to have that sort of eighty twenty split. It's closer a bit more to that 88% growth assets, but that's mainly because they consider gold to be entirely growth when it can be considered defensive as well. So you will have slightly more allocation to growth assets, but then it will also reduce the level of active component you have with managed funds by removing that Benelon fund there as well. And you'll still maintain your ClearBridge rare infrastructure fund, which will help sort of aim to outperform outperform the market and get you that little bit of alpha generation of trying to do better than what the markets are doing themselves.\n\nThey're also spreading your investments across those alternative other investments there, removing that underperforming Benelong, and then also removing some bank hybrids there, which are just getting phased out, which is just why they're getting removed. And then with that, it helps minimize the CGT gain because we are maintaining a lot of the core of your portfolio and just changing a few of those satellite investments and then just rebalancing in line with what the portfolio was originally just to help with crystallizing some of those gains and spreading that across to be a little bit more diversified across the different investments. Perfect. Obviously, with that, when changing the investments, there's some portions that will be sold down to cash. And with the way the markets are at the moment, there is a chance that they do go up and down in that time frame.\n\nIf they do go up, unfortunately, you might miss out on a little bit of that growth. But if they do go down again, then you might sort of get a bit of a a lower cost. But over the long term, given your time to retirement, it's not a huge thing whether it goes either way. It just there's a little bit can be a bit of a negative impact, if that makes sense. Perfect.\n\nAnd then with that, we did consider a few alternatives there as well by doing a full sell down moving funds to different platforms that may be a little bit cheaper. But with your capital gains that you do have there, it's not worth doing that given how competitive Hub twenty four still is. In addition to that window, we also looked at being in an alternative portfolio that maybe has a little bit more growth or just changing the investments entirely, but that just led to a higher capital gain consequence as well, whereas you're happy with your your portfolio is performing largely quite well. And this just rebalances, removes those underperforming asset, and then just gets rid of the asset that will eventually be phased out anyway and then just gets you back on on track to, hopefully, some sustained long term growth. Perfect.\n\nDid you have any questions in regards to that recommendation at all? Yep. Obviously, with the change, you will pay a little bit in brokerage and then, like, a little bit with the the buying and the selling of the assets. As far as the CGT, you can see removing mainly the underperforming assets. Any losses will be carried forward for future gains, and then you'll be saving on investment fees.\n\nAnd then with that, if your portfolio does perform better, the advice fee will go up, and that's just based on projected growth. The portfolio is recommended to do better without that underperforming asset as well. That's why that all goes up, but that's just based on the five year or three year rolling averages. Sorry. Just based on the what's available.\n\nAnd then with that, there's no sort of guarantee that's what is gonna happen. That's just based on the fact that given you will be saving money, you will be a little bit less risky having that index investment instead of the Benelon investment and still maintaining a portion towards active to still aim for a little bit of higher growth. So at the moment, you're sitting around 84% in total growth assets, around 15% in defensive. Now with the the rebalance and the changing of that, it does bring you close to 88% growth assets. But with that, that's because gold is considered a totally alternative growth asset.\n\nAnd it can act as defensive, like, what you see, like, with wars that have been occurring in the past few years and things like that. Gold has, like, got a lot of capital growth as well, which is why it's been considered that. But in saying that, it can be quite defensive in nature that it does hold value. It is a bit cyclical when things go bad. That gold technically kind of holds its value or goes up even.\n\nBut just the way it's classified in this is just it's a 100% of growth asset there as well. As far as the allocations, it is still quite in line with the high a growth sort of portfolio there of OP Financial. You can see the breakdowns there on page 17 of, like, shaming for the Australian equities, international equities. Does have a bit of a high allocation to growth assets that are alternative because that ClearBridge fund is in is also considered an alternative growth asset. But given that goal, it can be considered a bit defensive as well.\n\nIt's fine having that sort of allocation to that. But do you have any other questions in regards to the portfolio, the splits, or the allocations there at all? Perfect. On page 18 there, you will be able to see the recommendation. Now within regards to recommendation as well, it does all consider the salary sacrifice that we have recommendation of that $100.\n\nSo with the net contributions, that does go up, including that minus the tax you will pay, putting into super versus taking it home there, which will all contribute to having a bit of a higher superannuation balance and having that compounding effect. Now on the the next page over, you will be able to see what that looks like in terms of, like, growth over five to ten year period based on if it was to sort of present as, like, a three year year on year. But in saying that, like, the last three years are never gonna replicate. So it's just a nice sort of illustration if, you know, this is what might happen given that. But in saying that, the main guarantees there are you would be contributing more.\n\nYou would be saving on investments, which would all consider contribute to growth even if the war continues, then the growth is a little bit more stagnant for the next twelve months. But in saying that as well, the salary sacrifice arrangement is that $100 per week. Then the appendix there as well, you can see what $50 a week would look like in terms of contributing to super and, like, a a value with that, just to your reference. Because on page 21 of the SOA, you can see what that looks like in terms of how much your salary is sacrificing, how much your taxable income would be, how much your tax is paid on that taxable income, and then how much tax you'd be paying in super versus what you're paying at the moment, and how much of that would be contributed to the fund and what those net contributions would look like. So there's one there for the $100 a week, and in the appendix, you'd be able to see the $50 per week.\n\nIf you did decide you only wanna do the 50, you can put it in that little text box there that I only wanna do $50 per week per, like, the appendix, not the statement of advice. And then with that, you can just let your employer know that's what you wanna start, and then we'll have that to state, basically, you're doing the 50, not the 100. But with that, given your current circumstances there, given that you don't wanna sort of look at the moment in terms of doing any sort of outside super investment and just getting that super growing to have a little bit more compounding at least while you've got that savings per week that you're not really doing too much with at the moment, you can forego. You can look at sort of bolstering up your super now, lowering your effective tax rate outside of that, and then basically, you know, getting a bit of a head start on that compounding effect with your super contributions versus trying to chase it up later sort of towards your late fifties. By doing that, you obviously lean towards creating that future retirement fund and helping sort of bolster that up.\n\nIn addition to that one, it will, like, lower your effectual like, effective tax rate from a 115 down to a 109,000 for what you're paying tax on there as well. And then you can see that cost savings difference of what you're paying inside versus outside to help get those retirement goals a little bit closer in reach and having that money put aside. Obviously, the disadvantages of that, you are locking that money as way. You can't touch it until you sort of meet a condition of release. And then with that, obviously, it's cash flow dependent.\n\nYou can stop at any time if you let your employer know type deal, so that's more than fine. It's just the money you have put in or would be putting in that's locked away. Another risk in regards to that is obviously, you know, with the markets and how they can be quite volatile, although you're putting money in there as well. There could be dips and things like that there as well that, you know, in the long term, they might sort of have impact on those retirement goals. So that aren't, like, guaranteed, but it is guaranteed that you're putting more money in early.\n\nYou're getting that compounding. And then even with the dips, you do have enough time to retirement that you're getting that money invested now and then writing out those over the next sort of twenty years. Yep. We did also consider just the $50 per week, but given that Yeah. Yeah.\n\nAnd then obviously, you can sort of look at doing that depending on your cash flow. But given you I do have that spare $100 per week, it means you're having that towards super there and then also just not making total size sacrifice contributions. But given that your sort of main goal at the moment is to get that super growing get it growing early, that's why we sort of looked at recommending that you do the $100 per week. Perfect. In regards to beneficiary nominations, I know sort of it with your partner, that is the the main person there that you have at the moment.\n\nSo we are recommending that you just leave it a 100% to your spouse. Now you don't have to to do that if you want to leave certain things to your family and that with the will. And if it is stipulated in the will, you can leave it to LPR, which is distributed that way. But yeah. The spouse yeah.\n\nPerfect. Yeah. So with the the spouse there, they'll receive it a 100% tax free, and it just means if anything happened to you, that'd be the beneficiary, and it doesn't go to the estate. If you had, you know, an ex spouse that might sort of come after you, your money or funds and things like that, benefit of super, anyway, since it's a non estate asset, and if your nomination's valid through your spouse, it just means they get it. There's no sort of if, then, or buts.\n\nIt's very rare that it's contested being contested successfully. And then with that, you'll have that peace of mind that the person you want to get it, then they will receive it. And then within regards to disadvantages there, obviously, it does go to that one person, and you may sort of wanna split it, which you can do through the will and things like that. But in saying that if you you like your your partner enough and they're that's all beneficiary, that's not really an issue with that. Yeah.\n\nThat'd be obviously, the alternative there is you can leave it to the the will there to be distributed that way, but then that comes with the risk of being contested. And the the taxes are a little bit different going to a will versus a dependent, which is your spouse, so 100% tax free, which is nice. And then with that, there is a section there to make sure you do have that established will and a power of attorney attached to that, which I know you're pretty certain on the will. You're not too sure exactly on the power of attorney. So there is just a section on that there as well, but I won't delve into that too much just given the fact that you're pretty sure it's all pretty well sorted.\n\nThe spouse is the one that just got that sorted for you. On page 32 there, you will see the remuneration. So within regards to that, the fee remains at the 1.65%. And then the the premium for for Tal, we do get 22% commission for holding the policy with Tal. That's not an, like, payment you pay to us.\n\nIt's what the insurer pays, yeah, through your premium. So that all remains the same. Those decisions remain the same. In such time, if you know your partner did come on board, they still do have that 1.1% couples fee. So if she ever did wanna look at sort of having a super looked at, I know you said she was pretty happy with where she was.\n\nYeah. But in the future, you never know. So that's still around at the moment. And then within regards to what happens next, so if you were happy with everything there and did sign there, you obviously sign or if you would switch your underlying investments. It would be up to you to let your employer know to start the salary sacrifice.\n\nThey can draw up a salary sacrifice arrangement letter that you can pass on to your employer, but it is kind of as simple as going to payroll and going like, I wanna start a $100 per week. And then within regards to beneficiary nomination there for your super insurances there, it is up to you to be able to fill out those forms and send them back there. But do you still have a copy of those? I believe they might have sent one out. I'll just double check.\n\nLet's see if it did get sent out. Believe after the last time we spoke, I made a note of it, but I don't believe anyone sent it there to you at the moment. So I'll make a note of it, and I'll get them to to send that out to you. Yeah. I'm not too sure what it would have happened because, obviously, you would have got the forms when you first came on board there.\n\nI'm not too sure if they were lost in the mail or not. Or yeah. I don't mean to, like, bag on Australian Oz Post either, but, yeah, they they tend to lose a lot. I've seen in Very fair. But, yeah, I'll get them to dial those forms out to you to your address, and you expect those sort of in the next week or so.\n\nYeah. And then you just gotta get them witnessed by someone that's not your your spouse if she's nominated party, and then, yeah, you're all sorted. And then you can take even a photo of that and email them back through as long as it's clear, and you can even keep a copy or you can send them back at yeah. They can you can scan it through and just email it back there. And then happy days.\n\nThere's not sort of an issue of it getting lost in the mail or in transit there, which is fine. But do you have any questions in regards to that at all, Kendall? Does that all pretty much make sense? Not a problem at all. As I said, there is the appendix there.\n\nIt's quite straightforward given the advice that just shows the alternative for that value sacrifice. You do have the list of investments there as well if you do wanna have a little squeeze and see what the changes were and what was being recommended. But other than that, quite a straightforward advice piece with the investment switch and the salary sacrifice arrangement. Not a problem at all. Well, if you were to have that, you could go ahead and sign.\n\nIf you want a second to read through it, you've got more enough time to be able to read through that. It's valid for thirty days without confirming details, another thirty after that. So you've got plenty of time if you wanna do. Just have a read through it, make sure you were happy with everything, and then go ahead and sign it. Or you could just go ahead and and sign it there, and they'll get that sort of on the role and implemented when, I believe, they're away this week for the person responsible, but possibly next week.\n\nNo problem, Kendall. Brilliant. If you had any other questions, feel free to reach out. Otherwise, I'll let you get back to your afternoon. I won't take up any more time.\n\nNo problems, Kendall. Enjoy the rest of your day. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kendall.","start":2.8,"end":3.6799998,"sentiment":"positive","sentiment_score":0.4469212293624878},{"text":"It's Carl calling from OPU Financial.","start":3.6799998,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2969747682412465},{"text":"How are you today?","start":5.2799997,"end":6.18,"sentiment":"positive","sentiment_score":0.33407308906316757},{"text":"Yeah.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.212005078792572},{"text":"Not too bad at all.","start":8.24,"end":9.12,"sentiment":"neutral","sentiment_score":0.28805979192256925}],"sentiment":"neutral","sentiment_score":0.32164256274700165,"num_words":19,"start":2.8,"end":9.12},{"sentences":[{"text":"Thanks for asking.","start":9.12,"end":10.0,"sentiment":"positive","sentiment_score":0.6089903513590494},{"text":"I just scheduled in to go over your statement advice this afternoon.","start":10.0,"end":13.04,"sentiment":"neutral","sentiment_score":0.3298065513372421},{"text":"Is that still a good time for you?","start":13.04,"end":14.295,"sentiment":"neutral","sentiment_score":0.27995753660798073},{"text":"Perfect.","start":16.615,"end":16.935,"sentiment":"positive","sentiment_score":0.6684395670890808},{"text":"Just to get started on that one, Kendall, if I could just pass you through security with that name, date of birth, and current address, we'll get started on that one, sir.","start":16.935,"end":22.635,"sentiment":"neutral","sentiment_score":0.31906979950144887}],"sentiment":"positive","sentiment_score":0.33755326989505974,"num_words":56,"start":9.12,"end":22.635},{"sentences":[{"text":"Perfect.","start":31.669998,"end":32.07,"sentiment":"positive","sentiment_score":0.48233097791671753},{"text":"Thank you for that one.","start":32.07,"end":32.71,"sentiment":"positive","sentiment_score":0.5857305765151978},{"text":"And then just given that it was just a bit over a month there since we last sort of spoke, can I just confirm that nothing in relation to, like, your occupation, job, or anything like that has changed?","start":32.71,"end":40.41,"sentiment":"neutral","sentiment_score":0.024362146376799315},{"text":"Perfect.","start":41.985,"end":42.465,"sentiment":"neutral","sentiment_score":0.17238295078277588},{"text":"Brilliant.","start":42.465,"end":42.945,"sentiment":"positive","sentiment_score":0.3998693823814392}],"sentiment":"neutral","sentiment_score":0.10496510430536371,"num_words":47,"start":31.669998,"end":42.945},{"sentences":[{"text":"And I definitely know these calls are recorded for quality and training purposes there as well, Kendall.","start":42.945,"end":47.045002,"sentiment":"neutral","sentiment_score":0.16131197529680588},{"text":"Okay.","start":47.505,"end":48.005,"sentiment":"neutral","sentiment_score":0.05912381038069725},{"text":"But in saying that there, I will be sending out an audio sign with the documents there to your email @Kendall.Williams83atGmail.com.","start":48.625,"end":55.745003,"sentiment":"neutral","sentiment_score":0.01852007902094296},{"text":"Is that still correct?","start":55.745003,"end":56.73,"sentiment":"neutral","sentiment_score":0.04412577301263809},{"text":"Perfect.","start":58.97,"end":59.29,"sentiment":"positive","sentiment_score":0.3555510640144348}],"sentiment":"neutral","sentiment_score":0.08460007286207243,"num_words":44,"start":42.945,"end":59.29},{"sentences":[{"text":"So that will be there with you shortly.","start":59.29,"end":60.89,"sentiment":"neutral","sentiment_score":0.2072647586464882},{"text":"And then with that, you'll have your statement advice and the appendix to that one.","start":60.89,"end":64.43,"sentiment":"neutral","sentiment_score":0.1897049605846405},{"text":"Now it is quite a straightforward advice piece just based on the fact that we're mainly just looking at the superannuation side of things and those investments and then just the estate planning just because you just don't have that valid nomination, I believe it was.","start":64.49,"end":80.615,"sentiment":"neutral","sentiment_score":0.029096753215012344},{"text":"Let me just double check that one.","start":80.615,"end":82.555,"sentiment":"neutral","sentiment_score":-0.06255458508219038},{"text":"Let me just double check.","start":86.31,"end":87.69,"sentiment":"neutral","sentiment_score":-0.0820551946759224}],"sentiment":"neutral","sentiment_score":0.061654136504656,"num_words":81,"start":59.29,"end":87.69},{"sentences":[{"text":"There's just loading up.","start":93.59,"end":94.95,"sentiment":"neutral","sentiment_score":-0.09618230164051056},{"text":"There is that email come through there just while I'm checking that one?","start":94.95,"end":97.785,"sentiment":"neutral","sentiment_score":-0.0816020742058754},{"text":"Checking those nominations.","start":115.08,"end":116.3,"sentiment":"neutral","sentiment_score":-0.028937918444474537},{"text":"Yeah.","start":116.68,"end":117.16,"sentiment":"neutral","sentiment_score":-0.1082768440246582},{"text":"The the nomination on both your your hub 24 and your your towel just haven't been completed.","start":117.16,"end":121.560005,"sentiment":"neutral","sentiment_score":-0.2657065715859918}],"sentiment":"neutral","sentiment_score":-0.16204364440943064,"num_words":38,"start":93.59,"end":121.560005},{"sentences":[{"text":"I know you had the will set up recently, and then you're pretty sure you have the power of attorney that should be your wife.","start":121.560005,"end":127.675,"sentiment":"neutral","sentiment_score":0.06034852743148804},{"text":"But just for in regards to beneficiary side of things, just because they're a non estate asset, they do have to be done separately.","start":127.675,"end":132.955,"sentiment":"neutral","sentiment_score":0.015723378242303927},{"text":"And I think we've recently sent you a copy there as well.","start":132.955,"end":136.015,"sentiment":"neutral","sentiment_score":0.09274995761613052},{"text":"Yep.","start":144.56999,"end":145.06999,"sentiment":"neutral","sentiment_score":0.20972001552581787},{"text":"Not a problem.","start":145.12999,"end":146.11,"sentiment":"positive","sentiment_score":0.34729007879892987}],"sentiment":"neutral","sentiment_score":0.06539483087567183,"num_words":65,"start":121.560005,"end":146.11},{"sentences":[{"text":"I'll just have a I'll just double check forms and everything and make sure it wasn't That's in regards to if you, like, made any adjustments.","start":146.32999,"end":169.87999,"sentiment":"neutral","sentiment_score":0.11369000547207318},{"text":"So I'll run through the advice there with you and make sure you understand everything.","start":169.87999,"end":172.92,"sentiment":"neutral","sentiment_score":0.1102429543932279},{"text":"And then if you did wanna make any adjustments to the advice, then that's where you'd sort of put in on what you wanna accept and what you've done if you were signing it.","start":172.92,"end":179.905,"sentiment":"neutral","sentiment_score":0.06365472735727534},{"text":"Obviously, you don't accept any of it.","start":179.905,"end":181.265,"sentiment":"neutral","sentiment_score":-0.21798059982912882},{"text":"You just don't have to sign it.","start":181.265,"end":182.545,"sentiment":"neutral","sentiment_score":-0.09898298872368676}],"sentiment":"neutral","sentiment_score":0.051180899645505325,"num_words":89,"start":146.32999,"end":182.545},{"sentences":[{"text":"And, obviously, if you just wanna accept parts or nothing at all, obviously, it's quite straightforward in the sense that we're basically just recommending that you maintain your current hub 24 and change those underlying investments.","start":182.545,"end":193.33,"sentiment":"neutral","sentiment_score":0.11317317456834847},{"text":"And then we just put in the salary sacrifice there for you as well because, you know, you're thinking about the 50 or a 100 there and then the beneficiary nominations and then just ensure that because I noticed the power of attorney, you weren't too sure ensure that you do have that will and power of attorney just as a reminder.","start":193.33,"end":208.83499,"sentiment":"neutral","sentiment_score":0.10332489536414223},{"text":"In regards to the document was created for yourself, the finalize on the thirty first of of March there.","start":210.015,"end":216.11499,"sentiment":"neutral","sentiment_score":0.1294990864239241},{"text":"In regards to that one as well, it was prepared by myself as an authorized representative under Oakview Financial and the team here there as well.","start":216.59,"end":223.70999,"sentiment":"neutral","sentiment_score":0.1399253701361326},{"text":"In regards to best interest, that's just basically saying if we can't put you in a better position, we won't recommend it.","start":223.70999,"end":227.70999,"sentiment":"negative","sentiment_score":-0.33871940591118554}],"sentiment":"neutral","sentiment_score":0.05531571595506234,"num_words":165,"start":182.545,"end":227.70999},{"sentences":[{"text":"That's sort of the the goal when we make recommendations.","start":227.70999,"end":229.97,"sentiment":"neutral","sentiment_score":-0.18220680430531502},{"text":"We don't wanna sort of make recommendations.","start":230.03,"end":231.39,"sentiment":"negative","sentiment_score":-0.41146167687007357},{"text":"It's gonna make you worse off.","start":231.39,"end":232.885,"sentiment":"negative","sentiment_score":-0.5262678414583206},{"text":"And then as far as the considered advice, it's just in regards to reviewing the superannuation, make sure those investments are adequate moving forward just with how Benelon has performed in the the portfolio as a whole, just reviewing that.","start":232.885,"end":245.945,"sentiment":"neutral","sentiment_score":0.06207814235240221},{"text":"In regards to that as well, just the estate planning side of things, making sure those beneficiaries do get done.","start":247.14,"end":251.54001,"sentiment":"neutral","sentiment_score":0.19630797021090984}],"sentiment":"neutral","sentiment_score":-0.01747737025999161,"num_words":83,"start":227.70999,"end":251.54001},{"sentences":[{"text":"I know in regards to the insurances, you are happy with what you did have and then the amount that it did covered, so that's scoped out there as well.","start":251.54001,"end":258.34,"sentiment":"neutral","sentiment_score":0.23805111174782118},{"text":"So, yeah, in short there, we're recommending retaining that hub twenty four just because it's still competitive retail product, changing those underlying investments, starting the salary sacrifice of a $100 there, and then also establishing the beneficiary nominations and just touching on your estate planning, make sure that's all correct.","start":258.34,"end":275.155,"sentiment":"neutral","sentiment_score":0.17289038449525834},{"text":"On page seven and eight, you will see your details there.","start":276.12,"end":278.94,"sentiment":"neutral","sentiment_score":0.0482388436794281},{"text":"In regards to your total savings, you just didn't disclose what you actually have jointly with your partner, so it's just an undisclosed amount, which is fine, and then just the the house and the mortgage value there.","start":279.32,"end":289.725,"sentiment":"neutral","sentiment_score":0.05339493965239901},{"text":"Now in regards to your insurances there, on page nine, you will see the life and TBD amount that you are covered for.","start":290.36502,"end":296.70502,"sentiment":"neutral","sentiment_score":0.05607405280613381}],"sentiment":"neutral","sentiment_score":0.12918020249344409,"num_words":152,"start":251.54001,"end":296.70502},{"sentences":[{"text":"As far as the risk profile there, we're just saying with the growth portfolio.","start":296.845,"end":301.185,"sentiment":"neutral","sentiment_score":0.002360766687031303},{"text":"So when we did that risk profile, you still came out as a growth investor, that eighty twenty split of growth versus defensive assets.","start":301.245,"end":307.16998,"sentiment":"neutral","sentiment_score":0.02465122410406669},{"text":"And we're just trying to keep you in line with that even with the update.","start":307.47,"end":310.43,"sentiment":"neutral","sentiment_score":0.15234924306472142},{"text":"But do you have any questions in regards to the growth portfolio or anything in regards to that?","start":310.43,"end":315.49,"sentiment":"neutral","sentiment_score":0.04229017533361912},{"text":"Perfect.","start":317.805,"end":318.305,"sentiment":"positive","sentiment_score":0.5926170349121094}],"sentiment":"neutral","sentiment_score":0.0592188742917238,"num_words":72,"start":296.845,"end":318.305},{"sentences":[{"text":"As far as the recommendation goes, Deb, so there will be a change in the investments that you do hold and then what you'll be holding moving forward.","start":318.685,"end":328.865,"sentiment":"neutral","sentiment_score":0.22106278794152395},{"text":"Basically, just to refresh the portfolio, update it, and making sure it's moving forward is in your best interest there.","start":329.565,"end":337.0,"sentiment":"positive","sentiment_score":0.46957889050245283},{"text":"So within regards to that one there, we consider the CGT implications of that in the core of your portfolio the same.","start":337.0,"end":343.97998,"sentiment":"neutral","sentiment_score":0.20575958016243848},{"text":"Although, like, you do have quite a bit of time till retirement there, we're not forecasting that far out.","start":344.03998,"end":348.815,"sentiment":"neutral","sentiment_score":-0.0023979499543968015},{"text":"We're just trying to get you in a bit of a better position over the next five to ten years.","start":348.815,"end":351.955,"sentiment":"positive","sentiment_score":0.5006051406264305}],"sentiment":"neutral","sentiment_score":0.27591365504018756,"num_words":109,"start":318.685,"end":351.955},{"sentences":[{"text":"And then with the recommended portfolio there, you'll be reducing your ongoing investment fees with that one, which has more money invested over time, which helps sort of capitalize on on growth there.","start":352.735,"end":363.75,"sentiment":"positive","sentiment_score":0.5748859878742334},{"text":"You'll be reducing your level of risk that you do hold on that, and it will enhance the level of sort of diversification you currently have in your portfolio between those those funds that are recommended.","start":363.75,"end":373.45,"sentiment":"positive","sentiment_score":0.6215888932347298},{"text":"So as far as the disadvantages there, there's always a chance that, like, the portfolio doesn't perform in regards to how it has performed previously on the recommendations performing.","start":374.47,"end":384.835,"sentiment":"neutral","sentiment_score":-0.23143436400027112},{"text":"So it's just past in our performance is not indicative of future performance.","start":384.895,"end":388.195,"sentiment":"neutral","sentiment_score":-0.290663501391044},{"text":"But with that, the the guarantee is you will have those lower investment costs.","start":389.055,"end":393.42,"sentiment":"neutral","sentiment_score":0.22815285569855145}],"sentiment":"neutral","sentiment_score":0.27241884529590604,"num_words":125,"start":352.735,"end":393.42},{"sentences":[{"text":"It's still in line with your agreed risk profile.","start":393.42,"end":395.42,"sentiment":"neutral","sentiment_score":0.26389475994639927},{"text":"It still aims to have that sort of eighty twenty split.","start":395.42,"end":398.62,"sentiment":"neutral","sentiment_score":0.25292402505874634},{"text":"It's closer a bit more to that 88% growth assets, but that's mainly because they consider gold to be entirely growth when it can be considered defensive as well.","start":398.62,"end":408.465,"sentiment":"neutral","sentiment_score":0.1547403690116159},{"text":"So you will have slightly more allocation to growth assets, but then it will also reduce the level of active component you have with managed funds by removing that Benelon fund there as well.","start":408.845,"end":421.49,"sentiment":"neutral","sentiment_score":0.11349137521841947},{"text":"And you'll still maintain your ClearBridge rare infrastructure fund, which will help sort of aim to outperform outperform the market and get you that little bit of alpha generation of trying to do better than what the markets are doing themselves.","start":422.27,"end":433.815,"sentiment":"positive","sentiment_score":0.3600879384250176}],"sentiment":"neutral","sentiment_score":0.22795967781736004,"num_words":124,"start":393.42,"end":433.815},{"sentences":[{"text":"They're also spreading your investments across those alternative other investments there, removing that underperforming Benelong, and then also removing some bank hybrids there, which are just getting phased out, which is just why they're getting removed.","start":434.115,"end":448.83,"sentiment":"neutral","sentiment_score":-0.03040722043563922},{"text":"And then with that, it helps minimize the CGT gain because we are maintaining a lot of the core of your portfolio and just changing a few of those satellite investments and then just rebalancing in line with what the portfolio was originally just to help with crystallizing some of those gains and spreading that across to be a little bit more diversified across the different investments.","start":449.21,"end":466.405,"sentiment":"positive","sentiment_score":0.3822314287744351},{"text":"Perfect.","start":468.70502,"end":469.20502,"sentiment":"positive","sentiment_score":0.35948485136032104},{"text":"Obviously, with that, when changing the investments, there's some portions that will be sold down to cash.","start":470.145,"end":475.03998,"sentiment":"neutral","sentiment_score":0.04904748532263672},{"text":"And with the way the markets are at the moment, there is a chance that they do go up and down in that time frame.","start":475.03998,"end":479.52,"sentiment":"neutral","sentiment_score":-0.01895736336708069}],"sentiment":"neutral","sentiment_score":0.1728370123963854,"num_words":146,"start":434.115,"end":479.52},{"sentences":[{"text":"If they do go up, unfortunately, you might miss out on a little bit of that growth.","start":479.52,"end":482.72,"sentiment":"neutral","sentiment_score":-0.13990571525167017},{"text":"But if they do go down again, then you might sort of get a bit of a a lower cost.","start":482.72,"end":486.885,"sentiment":"neutral","sentiment_score":-0.03861490301787853},{"text":"But over the long term, given your time to retirement, it's not a huge thing whether it goes either way.","start":487.26498,"end":491.745,"sentiment":"neutral","sentiment_score":-0.1213348738849163},{"text":"It just there's a little bit can be a bit of a negative impact, if that makes sense.","start":491.745,"end":495.445,"sentiment":"neutral","sentiment_score":-0.23614433573351967},{"text":"Perfect.","start":498.16,"end":498.66,"sentiment":"neutral","sentiment_score":0.20612214505672455}],"sentiment":"neutral","sentiment_score":-0.12660353415106473,"num_words":76,"start":479.52,"end":498.66},{"sentences":[{"text":"And then with that, we did consider a few alternatives there as well by doing a full sell down moving funds to different platforms that may be a little bit cheaper.","start":499.36002,"end":507.2,"sentiment":"neutral","sentiment_score":0.08274918962870875},{"text":"But with your capital gains that you do have there, it's not worth doing that given how competitive Hub twenty four still is.","start":507.2,"end":512.685,"sentiment":"neutral","sentiment_score":-0.24952156582604285},{"text":"In addition to that window, we also looked at being in an alternative portfolio that maybe has a little bit more growth or just changing the investments entirely, but that just led to a higher capital gain consequence as well, whereas you're happy with your your portfolio is performing largely quite well.","start":513.245,"end":529.92,"sentiment":"neutral","sentiment_score":0.04930147664764753},{"text":"And this just rebalances, removes those underperforming asset, and then just gets rid of the asset that will eventually be phased out anyway and then just gets you back on on track to, hopefully, some sustained long term growth.","start":529.98,"end":542.765,"sentiment":"neutral","sentiment_score":0.14414127428944296},{"text":"Perfect.","start":545.22504,"end":545.72504,"sentiment":"neutral","sentiment_score":0.2363254278898239}],"sentiment":"neutral","sentiment_score":0.035943429968128465,"num_words":146,"start":499.36002,"end":545.72504},{"sentences":[{"text":"Did you have any questions in regards to that recommendation at all?","start":546.10504,"end":549.245,"sentiment":"neutral","sentiment_score":0.09198397087554137},{"text":"Yep.","start":551.705,"end":551.945,"sentiment":"neutral","sentiment_score":0.06974700093269348},{"text":"Obviously, with the change, you will pay a little bit in brokerage and then, like, a little bit with the the buying and the selling of the assets.","start":551.945,"end":559.06,"sentiment":"neutral","sentiment_score":0.06000658483909709},{"text":"As far as the CGT, you can see removing mainly the underperforming assets.","start":559.06,"end":563.06,"sentiment":"neutral","sentiment_score":-0.04503415267054851},{"text":"Any losses will be carried forward for future gains, and then you'll be saving on investment fees.","start":563.06,"end":568.26,"sentiment":"neutral","sentiment_score":0.23083524844225714}],"sentiment":"neutral","sentiment_score":0.08721822909486125,"num_words":71,"start":546.10504,"end":568.26},{"sentences":[{"text":"And then with that, if your portfolio does perform better, the advice fee will go up, and that's just based on projected growth.","start":568.26,"end":574.47504,"sentiment":"positive","sentiment_score":0.42404248209103296},{"text":"The portfolio is recommended to do better without that underperforming asset as well.","start":574.85504,"end":579.195,"sentiment":"neutral","sentiment_score":0.0784563456590359},{"text":"That's why that all goes up, but that's just based on the five year or three year rolling averages.","start":579.895,"end":584.29504,"sentiment":"neutral","sentiment_score":0.10317379824425045},{"text":"Sorry.","start":584.29504,"end":584.61505,"sentiment":"neutral","sentiment_score":-0.07252144813537598},{"text":"Just based on the what's available.","start":584.61505,"end":586.16,"sentiment":"neutral","sentiment_score":-0.05897179121772448}],"sentiment":"neutral","sentiment_score":0.1984977347235526,"num_words":62,"start":568.26,"end":586.16},{"sentences":[{"text":"And then with that, there's no sort of guarantee that's what is gonna happen.","start":586.78,"end":590.3,"sentiment":"neutral","sentiment_score":-0.12823552372200148},{"text":"That's just based on the fact that given you will be saving money, you will be a little bit less risky having that index investment instead of the Benelon investment and still maintaining a portion towards active to still aim for a little bit of higher growth.","start":590.3,"end":603.01495,"sentiment":"neutral","sentiment_score":0.14506019715298998},{"text":"So at the moment, you're sitting around 84% in total growth assets, around 15% in defensive.","start":605.71497,"end":610.755,"sentiment":"neutral","sentiment_score":0.1569015490822494},{"text":"Now with the the rebalance and the changing of that, it does bring you close to 88% growth assets.","start":610.755,"end":616.76996,"sentiment":"neutral","sentiment_score":0.25658767395897913},{"text":"But with that, that's because gold is considered a totally alternative growth asset.","start":616.76996,"end":621.43,"sentiment":"neutral","sentiment_score":0.1782232362490434}],"sentiment":"neutral","sentiment_score":0.13509196876932722,"num_words":109,"start":586.78,"end":621.43},{"sentences":[{"text":"And it can act as defensive, like, what you see, like, with wars that have been occurring in the past few years and things like that.","start":621.88995,"end":627.345,"sentiment":"neutral","sentiment_score":0.10340538721245068},{"text":"Gold has, like, got a lot of capital growth as well, which is why it's been considered that.","start":627.345,"end":631.745,"sentiment":"neutral","sentiment_score":0.16255134592453638},{"text":"But in saying that, it can be quite defensive in nature that it does hold value.","start":631.745,"end":635.285,"sentiment":"neutral","sentiment_score":0.13927264814265072},{"text":"It is a bit cyclical when things go bad.","start":635.425,"end":637.425,"sentiment":"neutral","sentiment_score":0.008418436679575179},{"text":"That gold technically kind of holds its value or goes up even.","start":637.425,"end":640.485,"sentiment":"neutral","sentiment_score":0.04895070381462574}],"sentiment":"neutral","sentiment_score":0.1050123585227095,"num_words":81,"start":621.88995,"end":640.485},{"sentences":[{"text":"But just the way it's classified in this is just it's a 100% of growth asset there as well.","start":641.42004,"end":646.96,"sentiment":"neutral","sentiment_score":0.16381020491060458},{"text":"As far as the allocations, it is still quite in line with the high a growth sort of portfolio there of OP Financial.","start":647.82,"end":658.085,"sentiment":"neutral","sentiment_score":0.08456122413601565},{"text":"You can see the breakdowns there on page 17 of, like, shaming for the Australian equities, international equities.","start":658.085,"end":663.385,"sentiment":"neutral","sentiment_score":0.031169300691948995},{"text":"Does have a bit of a high allocation to growth assets that are alternative because that ClearBridge fund is in is also considered an alternative growth asset.","start":664.085,"end":672.43,"sentiment":"neutral","sentiment_score":0.19497883043907308},{"text":"But given that goal, it can be considered a bit defensive as well.","start":672.43,"end":676.19,"sentiment":"neutral","sentiment_score":0.2535410374403}],"sentiment":"neutral","sentiment_score":0.141788113694638,"num_words":100,"start":641.42004,"end":676.19},{"sentences":[{"text":"It's fine having that sort of allocation to that.","start":676.19,"end":678.93,"sentiment":"positive","sentiment_score":0.369935800631841},{"text":"But do you have any other questions in regards to the portfolio, the splits, or the allocations there at all?","start":681.79,"end":686.685,"sentiment":"neutral","sentiment_score":0.051491907145828006},{"text":"Perfect.","start":688.605,"end":689.105,"sentiment":"neutral","sentiment_score":0.2784208655357361},{"text":"On page 18 there, you will be able to see the recommendation.","start":689.725,"end":694.225,"sentiment":"neutral","sentiment_score":0.1999459353586038},{"text":"Now within regards to recommendation as well, it does all consider the salary sacrifice that we have recommendation of that $100.","start":694.605,"end":701.485,"sentiment":"neutral","sentiment_score":0.1667767766685713}],"sentiment":"neutral","sentiment_score":0.16729118648384297,"num_words":63,"start":676.19,"end":701.485},{"sentences":[{"text":"So with the net contributions, that does go up, including that minus the tax you will pay, putting into super versus taking it home there, which will all contribute to having a bit of a higher superannuation balance and having that compounding effect.","start":701.485,"end":714.99,"sentiment":"neutral","sentiment_score":0.22162577943053358},{"text":"Now on the the next page over, you will be able to see what that looks like in terms of, like, growth over five to ten year period based on if it was to sort of present as, like, a three year year on year.","start":715.20996,"end":726.735,"sentiment":"neutral","sentiment_score":0.23744346416658826},{"text":"But in saying that, like, the last three years are never gonna replicate.","start":726.795,"end":729.675,"sentiment":"neutral","sentiment_score":-0.043990325182676315},{"text":"So it's just a nice sort of illustration if, you know, this is what might happen given that.","start":729.675,"end":734.79,"sentiment":"neutral","sentiment_score":0.23940781669484246},{"text":"But in saying that, the main guarantees there are you would be contributing more.","start":734.79,"end":738.31,"sentiment":"neutral","sentiment_score":0.20121665884341514}],"sentiment":"neutral","sentiment_score":0.20127341428533532,"num_words":133,"start":701.485,"end":738.31},{"sentences":[{"text":"You would be saving on investments, which would all consider contribute to growth even if the war continues, then the growth is a little bit more stagnant for the next twelve months.","start":738.31,"end":746.81,"sentiment":"neutral","sentiment_score":0.0005445957649499178},{"text":"But in saying that as well, the salary sacrifice arrangement is that $100 per week.","start":750.11505,"end":755.41504,"sentiment":"neutral","sentiment_score":0.12837091386318206},{"text":"Then the appendix there as well, you can see what $50 a week would look like in terms of contributing to super and, like, a a value with that, just to your reference.","start":755.555,"end":765.00995,"sentiment":"neutral","sentiment_score":0.19535158123030807},{"text":"Because on page 21 of the SOA, you can see what that looks like in terms of how much your salary is sacrificing, how much your taxable income would be, how much your tax is paid on that taxable income, and then how much tax you'd be paying in super versus what you're paying at the moment, and how much of that would be contributed to the fund and what those net contributions would look like.","start":765.00995,"end":786.69,"sentiment":"neutral","sentiment_score":0.11944092849367544},{"text":"So there's one there for the $100 a week, and in the appendix, you'd be able to see the $50 per week.","start":787.49,"end":792.07,"sentiment":"neutral","sentiment_score":0.18851660361344164}],"sentiment":"neutral","sentiment_score":0.12142959998899631,"num_words":178,"start":738.31,"end":792.07},{"sentences":[{"text":"If you did decide you only wanna do the 50, you can put it in that little text box there that I only wanna do $50 per week per, like, the appendix, not the statement of advice.","start":792.85,"end":801.33,"sentiment":"neutral","sentiment_score":0.08913672594605265},{"text":"And then with that, you can just let your employer know that's what you wanna start, and then we'll have that to state, basically, you're doing the 50, not the 100.","start":801.33,"end":809.055,"sentiment":"neutral","sentiment_score":0.13158043305720052},{"text":"But with that, given your current circumstances there, given that you don't wanna sort of look at the moment in terms of doing any sort of outside super investment and just getting that super growing to have a little bit more compounding at least while you've got that savings per week that you're not really doing too much with at the moment, you can forego.","start":810.795,"end":827.31,"sentiment":"neutral","sentiment_score":-0.09133058299238865},{"text":"You can look at sort of bolstering up your super now, lowering your effective tax rate outside of that, and then basically, you know, getting a bit of a head start on that compounding effect with your super contributions versus trying to chase it up later sort of towards your late fifties.","start":827.69,"end":841.265,"sentiment":"neutral","sentiment_score":0.17737228623949564},{"text":"By doing that, you obviously lean towards creating that future retirement fund and helping sort of bolster that up.","start":844.6,"end":852.28,"sentiment":"positive","sentiment_score":0.5122908447918139}],"sentiment":"neutral","sentiment_score":0.09998749669495166,"num_words":204,"start":792.85,"end":852.28},{"sentences":[{"text":"In addition to that one, it will, like, lower your effectual like, effective tax rate from a 115 down to a 109,000 for what you're paying tax on there as well.","start":852.28,"end":860.79504,"sentiment":"positive","sentiment_score":0.34633333692627566},{"text":"And then you can see that cost savings difference of what you're paying inside versus outside to help get those retirement goals a little bit closer in reach and having that money put aside.","start":861.255,"end":872.13,"sentiment":"neutral","sentiment_score":0.24932253579883015},{"text":"Obviously, the disadvantages of that, you are locking that money as way.","start":872.19,"end":875.31006,"sentiment":"negative","sentiment_score":-0.39938992634415627},{"text":"You can't touch it until you sort of meet a condition of release.","start":875.31006,"end":878.29004,"sentiment":"neutral","sentiment_score":-0.2870899805655846},{"text":"And then with that, obviously, it's cash flow dependent.","start":878.67004,"end":881.25,"sentiment":"neutral","sentiment_score":-0.08547719733582602}],"sentiment":"neutral","sentiment_score":0.10019349517545315,"num_words":99,"start":852.28,"end":881.25},{"sentences":[{"text":"You can stop at any time if you let your employer know type deal, so that's more than fine.","start":881.39,"end":885.615,"sentiment":"neutral","sentiment_score":0.025989383066955366},{"text":"It's just the money you have put in or would be putting in that's locked away.","start":885.695,"end":889.235,"sentiment":"neutral","sentiment_score":-0.12027180485893041},{"text":"Another risk in regards to that is obviously, you know, with the markets and how they can be quite volatile, although you're putting money in there as well.","start":891.615,"end":897.93,"sentiment":"neutral","sentiment_score":-0.2972560937383345},{"text":"There could be dips and things like that there as well that, you know, in the long term, they might sort of have impact on those retirement goals.","start":898.01,"end":904.57,"sentiment":"neutral","sentiment_score":-0.028939120404954468},{"text":"So that aren't, like, guaranteed, but it is guaranteed that you're putting more money in early.","start":904.57,"end":908.43,"sentiment":"neutral","sentiment_score":0.16113303159363568}],"sentiment":"neutral","sentiment_score":-0.07463446813069771,"num_words":107,"start":881.39,"end":908.43},{"sentences":[{"text":"You're getting that compounding.","start":908.73,"end":909.95,"sentiment":"neutral","sentiment_score":0.24804167076945305},{"text":"And then even with the dips, you do have enough time to retirement that you're getting that money invested now and then writing out those over the next sort of twenty years.","start":910.08997,"end":917.95496,"sentiment":"neutral","sentiment_score":0.22749562747776508},{"text":"Yep.","start":921.855,"end":922.355,"sentiment":"neutral","sentiment_score":0.18879370391368863},{"text":"We did also consider just the $50 per week, but given that Yeah.","start":923.21497,"end":928.17004,"sentiment":"neutral","sentiment_score":0.04819262085052637},{"text":"Yeah.","start":929.11005,"end":929.61005,"sentiment":"neutral","sentiment_score":0.09099847078323364}],"sentiment":"neutral","sentiment_score":0.1799671178062757,"num_words":51,"start":908.73,"end":929.61005},{"sentences":[{"text":"And then obviously, you can sort of look at doing that depending on your cash flow.","start":930.15,"end":933.27,"sentiment":"neutral","sentiment_score":0.09596119867637753},{"text":"But given you I do have that spare $100 per week, it means you're having that towards super there and then also just not making total size sacrifice contributions.","start":933.27,"end":942.57,"sentiment":"neutral","sentiment_score":0.1117235185771153},{"text":"But given that your sort of main goal at the moment is to get that super growing get it growing early, that's why we sort of looked at recommending that you do the $100 per week.","start":942.71,"end":950.78503,"sentiment":"neutral","sentiment_score":0.1558252935194307},{"text":"Perfect.","start":954.28503,"end":954.78503,"sentiment":"positive","sentiment_score":0.5013859272003174},{"text":"In regards to beneficiary nominations, I know sort of it with your partner, that is the the main person there that you have at the moment.","start":955.005,"end":962.64,"sentiment":"neutral","sentiment_score":0.11743636343341607}],"sentiment":"neutral","sentiment_score":0.1290722514882132,"num_words":108,"start":930.15,"end":962.64},{"sentences":[{"text":"So we are recommending that you just leave it a 100% to your spouse.","start":962.64,"end":965.6,"sentiment":"neutral","sentiment_score":0.11621535835521561},{"text":"Now you don't have to to do that if you want to leave certain things to your family and that with the will.","start":965.6,"end":970.72,"sentiment":"neutral","sentiment_score":0.029987502762156983},{"text":"And if it is stipulated in the will, you can leave it to LPR, which is distributed that way.","start":970.72,"end":974.905,"sentiment":"neutral","sentiment_score":0.06426547487315379},{"text":"But yeah.","start":974.905,"end":975.785,"sentiment":"neutral","sentiment_score":0.048353662714362144},{"text":"The spouse yeah.","start":975.785,"end":977.245,"sentiment":"neutral","sentiment_score":0.06348489473263423}],"sentiment":"neutral","sentiment_score":0.06270382971670783,"num_words":61,"start":962.64,"end":977.245},{"sentences":[{"text":"Perfect.","start":979.945,"end":980.445,"sentiment":"neutral","sentiment_score":0.3016686737537384},{"text":"Yeah.","start":980.745,"end":980.985,"sentiment":"neutral","sentiment_score":0.1694132387638092},{"text":"So with the the spouse there, they'll receive it a 100% tax free, and it just means if anything happened to you, that'd be the beneficiary, and it doesn't go to the estate.","start":980.985,"end":988.05,"sentiment":"neutral","sentiment_score":0.1673630987378684},{"text":"If you had, you know, an ex spouse that might sort of come after you, your money or funds and things like that, benefit of super, anyway, since it's a non estate asset, and if your nomination's valid through your spouse, it just means they get it.","start":988.29,"end":1000.29,"sentiment":"neutral","sentiment_score":0.08421859462210472},{"text":"There's no sort of if, then, or buts.","start":1000.29,"end":1001.91,"sentiment":"neutral","sentiment_score":0.021824941039085388}],"sentiment":"neutral","sentiment_score":0.11252152940465344,"num_words":90,"start":979.945,"end":1001.91},{"sentences":[{"text":"It's very rare that it's contested being contested successfully.","start":1001.97,"end":1006.125,"sentiment":"neutral","sentiment_score":0.13189881750279003},{"text":"And then with that, you'll have that peace of mind that the person you want to get it, then they will receive it.","start":1007.385,"end":1013.085,"sentiment":"positive","sentiment_score":0.677583925102068},{"text":"And then within regards to disadvantages there, obviously, it does go to that one person, and you may sort of wanna split it, which you can do through the will and things like that.","start":1013.625,"end":1022.39996,"sentiment":"neutral","sentiment_score":-0.04502500604618998},{"text":"But in saying that if you you like your your partner enough and they're that's all beneficiary, that's not really an issue with that.","start":1023.18,"end":1028.72,"sentiment":"neutral","sentiment_score":-0.011181026658353707},{"text":"Yeah.","start":1029.195,"end":1029.695,"sentiment":"neutral","sentiment_score":0.11392377316951752}],"sentiment":"neutral","sentiment_score":0.16578295123814554,"num_words":91,"start":1001.97,"end":1029.695},{"sentences":[{"text":"That'd be obviously, the alternative there is you can leave it to the the will there to be distributed that way, but then that comes with the risk of being contested.","start":1031.595,"end":1038.6549,"sentiment":"neutral","sentiment_score":-0.007684226838811752},{"text":"And the the taxes are a little bit different going to a will versus a dependent, which is your spouse, so 100% tax free, which is nice.","start":1039.2749,"end":1048.4401,"sentiment":"neutral","sentiment_score":0.09852425050404337},{"text":"And then with that, there is a section there to make sure you do have that established will and a power of attorney attached to that, which I know you're pretty certain on the will.","start":1049.4601,"end":1056.5,"sentiment":"neutral","sentiment_score":0.07593985423445701},{"text":"You're not too sure exactly on the power of attorney.","start":1056.5,"end":1058.745,"sentiment":"neutral","sentiment_score":0.0003025851212441921},{"text":"So there is just a section on that there as well, but I won't delve into that too much just given the fact that you're pretty sure it's all pretty well sorted.","start":1059.305,"end":1066.025,"sentiment":"neutral","sentiment_score":0.08217931119725108}],"sentiment":"neutral","sentiment_score":0.05713038843952947,"num_words":135,"start":1031.595,"end":1066.025},{"sentences":[{"text":"The spouse is the one that just got that sorted for you.","start":1066.025,"end":1068.6849,"sentiment":"neutral","sentiment_score":0.14651373835901418},{"text":"On page 32 there, you will see the remuneration.","start":1069.145,"end":1071.245,"sentiment":"neutral","sentiment_score":0.06208231755428844},{"text":"So within regards to that, the fee remains at the 1.65%.","start":1071.465,"end":1074.83,"sentiment":"neutral","sentiment_score":0.06511820785023949},{"text":"And then the the premium for for Tal, we do get 22% commission for holding the policy with Tal.","start":1074.83,"end":1080.77,"sentiment":"neutral","sentiment_score":0.06584075701079871},{"text":"That's not an, like, payment you pay to us.","start":1080.91,"end":1083.47,"sentiment":"neutral","sentiment_score":-0.038652371201250285}],"sentiment":"neutral","sentiment_score":0.06560515078405539,"num_words":60,"start":1066.025,"end":1083.47},{"sentences":[{"text":"It's what the insurer pays, yeah, through your premium.","start":1083.47,"end":1086.59,"sentiment":"neutral","sentiment_score":0.016303654967082873},{"text":"So that all remains the same.","start":1086.59,"end":1087.87,"sentiment":"neutral","sentiment_score":0.1215972974896431},{"text":"Those decisions remain the same.","start":1087.87,"end":1089.435,"sentiment":"neutral","sentiment_score":0.12190136462450027},{"text":"In such time, if you know your partner did come on board, they still do have that 1.1% couples fee.","start":1089.915,"end":1095.535,"sentiment":"neutral","sentiment_score":0.05294601353816688},{"text":"So if she ever did wanna look at sort of having a super looked at, I know you said she was pretty happy with where she was.","start":1095.9951,"end":1101.6951,"sentiment":"positive","sentiment_score":0.39490612789436624}],"sentiment":"neutral","sentiment_score":0.1971225257712736,"num_words":67,"start":1083.47,"end":1101.6951},{"sentences":[{"text":"Yeah.","start":1102.9601,"end":1103.2001,"sentiment":"neutral","sentiment_score":0.16322839260101318},{"text":"But in the future, you never know.","start":1103.2001,"end":1105.1201,"sentiment":"neutral","sentiment_score":-0.010736592646156038},{"text":"So that's still around at the moment.","start":1105.1201,"end":1106.5801,"sentiment":"neutral","sentiment_score":0.05734141969255039},{"text":"And then within regards to what happens next, so if you were happy with everything there and did sign there, you obviously sign or if you would switch your underlying investments.","start":1107.28,"end":1116.1001,"sentiment":"neutral","sentiment_score":0.25931736202009265},{"text":"It would be up to you to let your employer know to start the salary sacrifice.","start":1116.585,"end":1119.5449,"sentiment":"neutral","sentiment_score":0.330487959086895}],"sentiment":"neutral","sentiment_score":0.22284044757966073,"num_words":62,"start":1102.9601,"end":1119.5449},{"sentences":[{"text":"They can draw up a salary sacrifice arrangement letter that you can pass on to your employer, but it is kind of as simple as going to payroll and going like, I wanna start a $100 per week.","start":1119.5449,"end":1128.45,"sentiment":"neutral","sentiment_score":0.20336216139165977},{"text":"And then within regards to beneficiary nomination there for your super insurances there, it is up to you to be able to fill out those forms and send them back there.","start":1129.25,"end":1138.13,"sentiment":"neutral","sentiment_score":0.13148215052581602},{"text":"But do you still have a copy of those?","start":1138.13,"end":1140.7699,"sentiment":"neutral","sentiment_score":0.022028536225358646},{"text":"I believe they might have sent one out.","start":1140.7699,"end":1142.61,"sentiment":"neutral","sentiment_score":0.01845200313255191},{"text":"I'll just double check.","start":1142.61,"end":1143.9099,"sentiment":"neutral","sentiment_score":0.016748065128922462}],"sentiment":"neutral","sentiment_score":0.13573971011986335,"num_words":90,"start":1119.5449,"end":1143.9099},{"sentences":[{"text":"Let's see if it did get sent out.","start":1151.1749,"end":1153.755,"sentiment":"neutral","sentiment_score":-0.03882643021643162},{"text":"Believe after the last time we spoke, I made a note of it, but I don't believe anyone sent it there to you at the moment.","start":1157.99,"end":1162.63,"sentiment":"neutral","sentiment_score":-0.09756941778155473},{"text":"So I'll make a note of it, and I'll get them to to send that out to you.","start":1162.63,"end":1166.09,"sentiment":"neutral","sentiment_score":0.0012203639166222678},{"text":"Yeah.","start":1169.925,"end":1170.165,"sentiment":"neutral","sentiment_score":-0.1380552351474762},{"text":"I'm not too sure what it would have happened because, obviously, you would have got the forms when you first came on board there.","start":1170.165,"end":1174.725,"sentiment":"neutral","sentiment_score":-0.16802919128288826}],"sentiment":"neutral","sentiment_score":-0.09085981272064246,"num_words":77,"start":1151.1749,"end":1174.725},{"sentences":[{"text":"I'm not too sure if they were lost in the mail or not.","start":1174.725,"end":1177.125,"sentiment":"neutral","sentiment_score":-0.21109801473525855},{"text":"Or yeah.","start":1177.125,"end":1186.02,"sentiment":"neutral","sentiment_score":-0.046176845207810395},{"text":"I don't mean to, like, bag on Australian Oz Post either, but, yeah, they they tend to lose a lot.","start":1186.02,"end":1192.76,"sentiment":"neutral","sentiment_score":-0.1423730980604887},{"text":"I've seen in Very fair.","start":1192.9,"end":1208.36,"sentiment":"neutral","sentiment_score":0.12186902016401291},{"text":"But, yeah, I'll get them to dial those forms out to you to your address, and you expect those sort of in the next week or so.","start":1208.5,"end":1213.6399,"sentiment":"neutral","sentiment_score":0.10318456631567743}],"sentiment":"neutral","sentiment_score":-0.03416061868418509,"num_words":67,"start":1174.725,"end":1213.6399},{"sentences":[{"text":"Yeah.","start":1214.74,"end":1214.98,"sentiment":"neutral","sentiment_score":0.24901726841926575},{"text":"And then you just gotta get them witnessed by someone that's not your your spouse if she's nominated party, and then, yeah, you're all sorted.","start":1214.98,"end":1220.775,"sentiment":"neutral","sentiment_score":0.15366475224494935},{"text":"And then you can take even a photo of that and email them back through as long as it's clear, and you can even keep a copy or you can send them back at yeah.","start":1220.855,"end":1228.135,"sentiment":"neutral","sentiment_score":0.1684296184352466},{"text":"They can you can scan it through and just email it back there.","start":1228.135,"end":1231.435,"sentiment":"neutral","sentiment_score":0.15967532361929232},{"text":"And then happy days.","start":1231.655,"end":1233.175,"sentiment":"positive","sentiment_score":0.44871674105525017}],"sentiment":"neutral","sentiment_score":0.1776451139878004,"num_words":78,"start":1214.74,"end":1233.175},{"sentences":[{"text":"There's not sort of an issue of it getting lost in the mail or in transit there, which is fine.","start":1233.175,"end":1237.66,"sentiment":"neutral","sentiment_score":-0.1183655671775341},{"text":"But do you have any questions in regards to that at all, Kendall?","start":1238.6,"end":1241.24,"sentiment":"neutral","sentiment_score":0.14351665830382934},{"text":"Does that all pretty much make sense?","start":1241.24,"end":1243.02,"sentiment":"neutral","sentiment_score":0.11169723102024623},{"text":"Not a problem at all.","start":1245.16,"end":1245.96,"sentiment":"neutral","sentiment_score":0.2583505481481552},{"text":"As I said, there is the appendix there.","start":1245.96,"end":1247.56,"sentiment":"neutral","sentiment_score":0.14865817502141}],"sentiment":"neutral","sentiment_score":0.05210007495194111,"num_words":53,"start":1233.175,"end":1247.56},{"sentences":[{"text":"It's quite straightforward given the advice that just shows the alternative for that value sacrifice.","start":1247.56,"end":1251.875,"sentiment":"neutral","sentiment_score":0.22459991574287413},{"text":"You do have the list of investments there as well if you do wanna have a little squeeze and see what the changes were and what was being recommended.","start":1252.255,"end":1258.675,"sentiment":"neutral","sentiment_score":0.16997043993966332},{"text":"But other than that, quite a straightforward advice piece with the investment switch and the salary sacrifice arrangement.","start":1259.135,"end":1264.3201,"sentiment":"neutral","sentiment_score":0.15595343791776234},{"text":"Not a problem at all.","start":1267.42,"end":1268.2201,"sentiment":"neutral","sentiment_score":0.306122875213623},{"text":"Well, if you were to have that, you could go ahead and sign.","start":1268.2201,"end":1270.2201,"sentiment":"neutral","sentiment_score":0.1989341309437385}],"sentiment":"neutral","sentiment_score":0.19027576819062234,"num_words":80,"start":1247.56,"end":1270.2201},{"sentences":[{"text":"If you want a second to read through it, you've got more enough time to be able to read through that.","start":1270.2201,"end":1274.4601,"sentiment":"neutral","sentiment_score":0.13401490840173902},{"text":"It's valid for thirty days without confirming details, another thirty after that.","start":1274.4601,"end":1278.435,"sentiment":"neutral","sentiment_score":0.14250720478594303},{"text":"So you've got plenty of time if you wanna do.","start":1278.915,"end":1280.755,"sentiment":"neutral","sentiment_score":0.2730447605252266},{"text":"Just have a read through it, make sure you were happy with everything, and then go ahead and sign it.","start":1280.755,"end":1283.9551,"sentiment":"neutral","sentiment_score":0.2567457859404385},{"text":"Or you could just go ahead and and sign it there, and they'll get that sort of on the role and implemented when, I believe, they're away this week for the person responsible, but possibly next week.","start":1283.9551,"end":1293.415,"sentiment":"neutral","sentiment_score":-0.024832065091342538}],"sentiment":"neutral","sentiment_score":0.11470976449549199,"num_words":100,"start":1270.2201,"end":1293.415},{"sentences":[{"text":"No problem, Kendall.","start":1296.13,"end":1297.11,"sentiment":"neutral","sentiment_score":0.2274081086119016},{"text":"Brilliant.","start":1297.4099,"end":1297.9099,"sentiment":"positive","sentiment_score":0.7389363050460815},{"text":"If you had any other questions, feel free to reach out.","start":1298.2899,"end":1300.5299,"sentiment":"neutral","sentiment_score":0.26467936689203436},{"text":"Otherwise, I'll let you get back to your afternoon.","start":1300.5299,"end":1301.8099,"sentiment":"neutral","sentiment_score":0.25194941461086273},{"text":"I won't take up any more time.","start":1301.8099,"end":1303.323,"sentiment":"neutral","sentiment_score":-0.026095245565686907}],"sentiment":"neutral","sentiment_score":0.20701650578168132,"num_words":31,"start":1296.13,"end":1303.323},{"sentences":[{"text":"No problems, Kendall.","start":1305.403,"end":1306.283,"sentiment":"positive","sentiment_score":0.6303001244862875},{"text":"Enjoy the rest of your day.","start":1306.283,"end":1307.503,"sentiment":"positive","sentiment_score":0.7681719760100046},{"text":"Cheers.","start":1308.763,"end":1309.083,"sentiment":"positive","sentiment_score":0.6472948789596558},{"text":"Bye.","start":1309.083,"end":1309.583,"sentiment":"positive","sentiment_score":0.36365506052970886}],"sentiment":"positive","sentiment_score":0.6828074699098413,"num_words":11,"start":1305.403,"end":1309.583}]}}]},{"alternatives":[{"transcript":"Good day. It's Kendall. Jacob. Thanks for calling. Yourself? Yep. Yes. Yes, please. Yep. Yep. Kendall John Williams. Fourteen zero two nineteen eighty three. Eighty two Emperor Parade, Chisholm, New South Wales, two three two two. No. Nothing's changed. Mhmm. That's correct. Yep. Mhmm. Not really. Not yet. Alright. Here we go. Yep. Yep. Okay. That's fine. Yeah. I I thought I thought I had that okay. That's fine. Let's do it again. K. So I'm just checking this form now. I'm just on page end of page 34. It's actually assigned. There is a textbook which says text. So I can have to do on that? Okay. Mhmm. Mhmm. That's right. Yep. Mhmm. Yep. Mhmm. Yep. Okay. Mhmm. Mhmm. Yep. Mhmm. Alright. That looks fine. Mhmm. Yep. Okay. Mhmm. Yep. Good. Okay. Okay. Yes. Yes. Yep. Yep. Okay. It's fine. Yeah. Okay. Okay. Yep. Okay. No. No. I don't. Mhmm. Yep. Yep. Okay. Yep. Yes. Okay. Yes. Yeah. Okay. Yeah. This one. Okay. Yep. Mhmm. Yep. Yep. Yeah. Definitely. Okay. Okay. Fantastic. Yep. That's yep. Exactly that. Okay. Yeah. You just scan it there. I can see it here. Okay. Yep. Yep. Agreed. Yes. Of course. That's that's that's exactly correct, and the wheels are sorted. Yep. Yep. Yep. Yep. Good. Yep. Mhmm. Exactly right. Yeah. I do. So it's good. Yep. Okay. Yep. Yep. No. No. I understand. Yep. There you go. There she is. Yep. Mhmm. Not recently. Yeah. If if it could, it's just blowing us. Oh. Yeah. Yeah. I I it's it's yeah. Very, very possible. I just never set it through, but I do remember going to the effort. Like, you're getting someone to start and get with the with the service. No. No. No. It's fine. But I I I I'll be honest, man. I presume it was me before anyone else. Yeah. It's all about, you know, planning and execution. I I can do planning or I can do execution. I can do so, apparently. Mhmm. Okay. Thank you. Yep. That's alright. Oh, really? Oh, you can't scan me. Make it easier. Okay. Done. Alright. Great. Alright. Good. No. That would make sense. Thank you. Yes. Yes. Okay. Okay. 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day. It's Kendall. Jacob. Thanks for calling. Yourself?\n\nYep. Yes. Yes, please. Yep. Yep.\n\nKendall John Williams. Fourteen zero two nineteen eighty three. Eighty two Emperor Parade, Chisholm, New South Wales, two three two two. No. Nothing's changed.\n\nMhmm. That's correct. Yep. Mhmm. Not really.\n\nNot yet. Alright. Here we go. Yep. Yep.\n\nOkay. That's fine. Yeah. I I thought I thought I had that okay. That's fine.\n\nLet's do it again. K. So I'm just checking this form now. I'm just on page end of page 34. It's actually assigned.\n\nThere is a textbook which says text. So I can have to do on that? Okay. Mhmm. Mhmm.\n\nThat's right. Yep. Mhmm. Yep. Mhmm.\n\nYep. Okay. Mhmm. Mhmm. Yep.\n\nMhmm. Alright. That looks fine. Mhmm. Yep.\n\nOkay. Mhmm. Yep. Good. Okay.\n\nOkay. Yes. Yes. Yep. Yep.\n\nOkay. It's fine. Yeah. Okay. Okay.\n\nYep. Okay. No. No. I don't.\n\nMhmm. Yep. Yep. Okay. Yep.\n\nYes. Okay. Yes. Yeah. Okay.\n\nYeah. This one. Okay. Yep. Mhmm.\n\nYep. Yep. Yeah. Definitely. Okay.\n\nOkay. Fantastic. Yep. That's yep. Exactly that.\n\nOkay. Yeah. You just scan it there. I can see it here. Okay.\n\nYep. Yep. Agreed. Yes. Of course.\n\nThat's that's that's exactly correct, and the wheels are sorted. Yep. Yep. Yep. Yep.\n\nGood. Yep. Mhmm. Exactly right. Yeah.\n\nI do. So it's good. Yep. Okay. Yep.\n\nYep. No. No. I understand. Yep.\n\nThere you go. There she is. Yep. Mhmm. Not recently.\n\nYeah. If if it could, it's just blowing us. Oh. Yeah. Yeah.\n\nI I it's it's yeah. Very, very possible. I just never set it through, but I do remember going to the effort. Like, you're getting someone to start and get with the with the service. No.\n\nNo. No. It's fine. But I I I I'll be honest, man. I presume it was me before anyone else.\n\nYeah. It's all about, you know, planning and execution. I I can do planning or I can do execution. I can do so, apparently. Mhmm.\n\nOkay. Thank you. Yep. That's alright. Oh, really?\n\nOh, you can't scan me. Make it easier. Okay. Done. Alright.\n\nGreat. Alright. Good. No. That would make sense.\n\nThank you. Yes. Yes. Okay. Okay.\n\nAppreciate it. Thank you. No. That's all done. Alright.\n\nI really appreciate it. Thank you, Paul. You too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good day.","start":1.36,"end":1.5999999,"sentiment":"positive","sentiment_score":0.45881566405296326},{"text":"It's Kendall.","start":1.5999999,"end":2.34,"sentiment":"neutral","sentiment_score":0.24311703443527222},{"text":"Jacob.","start":6.08,"end":6.56,"sentiment":"neutral","sentiment_score":0.14403437077999115},{"text":"Thanks for calling.","start":6.56,"end":7.2,"sentiment":"positive","sentiment_score":0.5347927510738373},{"text":"Yourself?","start":7.2,"end":7.7,"sentiment":"positive","sentiment_score":0.33373984694480896}],"sentiment":"positive","sentiment_score":0.387335318658087,"num_words":9,"start":1.36,"end":7.7},{"sentences":[{"text":"Yep.","start":11.5199995,"end":12.0199995,"sentiment":"neutral","sentiment_score":0.27686604857444763},{"text":"Yes.","start":14.48,"end":14.88,"sentiment":"neutral","sentiment_score":0.18838946521282196},{"text":"Yes, 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yeah.","start":1175.67,"end":1178.0701,"sentiment":"neutral","sentiment_score":-0.17895822823047638},{"text":"Very, very possible.","start":1178.0701,"end":1179.11,"sentiment":"neutral","sentiment_score":0.0070492128531138105},{"text":"I just never set it through, but I do remember going to the effort.","start":1179.11,"end":1182.17,"sentiment":"neutral","sentiment_score":-0.022597867463316237},{"text":"Like, you're getting someone to start and get with the with the 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else.","start":1194.9149,"end":1196.9349,"sentiment":"neutral","sentiment_score":-0.134040386416018}],"sentiment":"neutral","sentiment_score":-0.1229303253814578,"num_words":20,"start":1189.075,"end":1196.9349},{"sentences":[{"text":"Yeah.","start":1199.24,"end":1199.48,"sentiment":"neutral","sentiment_score":-0.01148182526230812},{"text":"It's all about, you know, planning and execution.","start":1199.48,"end":1202.2999,"sentiment":"neutral","sentiment_score":0.005483263172209263},{"text":"I I can do planning or I can do execution.","start":1202.5199,"end":1204.44,"sentiment":"neutral","sentiment_score":0.1394016057252884},{"text":"I can do so, apparently.","start":1204.44,"end":1205.6599,"sentiment":"neutral","sentiment_score":0.2206796944141388},{"text":"Mhmm.","start":1211.665,"end":1212.165,"sentiment":"neutral","sentiment_score":0.048077940940856934}],"sentiment":"neutral","sentiment_score":0.10311507001519203,"num_words":25,"start":1199.24,"end":1212.165},{"sentences":[{"text":"Okay.","start":1213.585,"end":1213.905,"sentiment":"positive","sentiment_score":0.39253488183021545},{"text":"Thank you.","start":1213.905,"end":1214.645,"sentiment":"positive","sentiment_score":0.6612138450145721},{"text":"Yep.","start":1217.585,"end":1218.085,"sentiment":"neutral","sentiment_score":0.04570774361491203},{"text":"That's alright.","start":1218.145,"end":1218.885,"sentiment":"neutral","sentiment_score":0.09658622741699219},{"text":"Oh, really?","start":1225.34,"end":1226.08,"sentiment":"neutral","sentiment_score":0.04004951287060976}],"sentiment":"neutral","sentiment_score":0.25424272450618446,"num_words":8,"start":1213.585,"end":1226.08},{"sentences":[{"text":"Oh, you can't scan me.","start":1226.1399,"end":1227.6599,"sentiment":"neutral","sentiment_score":0.02307988777756691},{"text":"Make it easier.","start":1227.6599,"end":1228.38,"sentiment":"neutral","sentiment_score":0.19115962088108063},{"text":"Okay.","start":1228.38,"end":1228.86,"sentiment":"neutral","sentiment_score":0.13863159716129303},{"text":"Done.","start":1228.86,"end":1229.36,"sentiment":"neutral","sentiment_score":0.14952003955841064},{"text":"Alright.","start":1231.8999,"end":1232.3999,"sentiment":"positive","sentiment_score":0.3334088921546936}],"sentiment":"neutral","sentiment_score":0.11913080276413397,"num_words":11,"start":1226.1399,"end":1232.3999},{"sentences":[{"text":"Great.","start":1232.46,"end":1232.96,"sentiment":"positive","sentiment_score":0.7901022434234619},{"text":"Alright.","start":1238.46,"end":1238.7799,"sentiment":"neutral","sentiment_score":0.1883933991193771},{"text":"Good.","start":1238.7799,"end":1239.2799,"sentiment":"positive","sentiment_score":0.3475404977798462},{"text":"No.","start":1243.135,"end":1243.375,"sentiment":"neutral","sentiment_score":-0.004471257328987122},{"text":"That would make sense.","start":1243.375,"end":1244.175,"sentiment":"neutral","sentiment_score":0.09117700904607773}],"sentiment":"neutral","sentiment_score":0.21078411489725113,"num_words":8,"start":1232.46,"end":1244.175},{"sentences":[{"text":"Thank you.","start":1244.175,"end":1244.835,"sentiment":"positive","sentiment_score":0.4698507934808731},{"text":"Yes.","start":1259.31,"end":1259.81,"sentiment":"neutral","sentiment_score":0.06968635320663452},{"text":"Yes.","start":1265.23,"end":1265.55,"sentiment":"neutral","sentiment_score":0.11063111573457718},{"text":"Okay.","start":1265.55,"end":1266.05,"sentiment":"neutral","sentiment_score":0.1587909609079361},{"text":"Okay.","start":1294.1599,"end":1294.48,"sentiment":"neutral","sentiment_score":0.17700880765914917}],"sentiment":"neutral","sentiment_score":0.2426364707450072,"num_words":6,"start":1244.175,"end":1294.48},{"sentences":[{"text":"Appreciate it.","start":1294.48,"end":1295.0399,"sentiment":"positive","sentiment_score":0.632750540971756},{"text":"Thank you.","start":1295.0399,"end":1295.6799,"sentiment":"positive","sentiment_score":0.6236547529697418},{"text":"No.","start":1295.6799,"end":1295.84,"sentiment":"neutral","sentiment_score":0.015569578856229782},{"text":"That's all done.","start":1295.84,"end":1296.795,"sentiment":"neutral","sentiment_score":0.15825286010901132},{"text":"Alright.","start":1303.435,"end":1303.675,"sentiment":"positive","sentiment_score":0.5258952975273132}],"sentiment":"positive","sentiment_score":0.39211489384373027,"num_words":9,"start":1294.48,"end":1303.675},{"sentences":[{"text":"I really appreciate it.","start":1303.675,"end":1304.4751,"sentiment":"positive","sentiment_score":0.7958177030086517},{"text":"Thank you, Paul.","start":1304.4751,"end":1305.295,"sentiment":"positive","sentiment_score":0.7515188058217367},{"text":"You too.","start":1307.5951,"end":1307.995,"sentiment":"positive","sentiment_score":0.5295685827732086},{"text":"Thank you.","start":1307.995,"end":1308.735,"sentiment":"positive","sentiment_score":0.7188066840171814},{"text":"Bye.","start":1310.0751,"end":1310.5751,"sentiment":"neutral","sentiment_score":-0.10931388288736343}],"sentiment":"positive","sentiment_score":0.6521053233494362,"num_words":12,"start":1303.675,"end":1310.5751}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good day. It's Kendall.\n\nChannel 0: Good afternoon, Kendall. It's Carl calling from OPU Financial. How are you today?\n\nChannel 1: Jacob. Thanks for calling. Yourself?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in to go over\n\nChannel 1: Yep.\n\nChannel 0: your statement advice this afternoon. Is that still a good time for you?\n\nChannel 1: Yes. Yes, please.\n\nChannel 0: Perfect. Just to get started on that one, Kendall, if I could just pass you through security with that name, date of birth, and current address, we'll get started on that one, sir.\n\nChannel 1: Yep. Yep. Kendall John Williams. Fourteen zero two nineteen eighty three. Eighty two Emperor Parade, Chisholm, New South Wales, two three two two.\n\nChannel 0: Perfect. Thank you for that one. And then just given that it was just a bit over a month there since we last sort of spoke, can I just confirm that nothing in relation to, like, your occupation, job, or anything like that has\n\nChannel 1: No.\n\nChannel 0: changed?\n\nChannel 1: Nothing's changed.\n\nChannel 0: Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: Brilliant. And I definitely know these calls are recorded for quality and training purposes there as well, Kendall. Okay. But in saying that there, I will be sending out an audio sign with the documents there to your email @Kendall.Williams83atGmail.com. Is that still correct?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Perfect. So that will be there with you shortly. And then with that, you'll have your statement advice and the appendix to that one. Now it is quite a straightforward advice piece just based on the fact that we're mainly just looking at the superannuation side of things and those investments\n\nChannel 1: Mhmm.\n\nChannel 0: and then just the estate planning just because you just don't have that valid nomination, I believe it was. Let me just double check that\n\nChannel 1: Not\n\nChannel 0: one.\n\nChannel 1: really.\n\nChannel 0: Let me just double check. There's just loading up. There is that email come through there just while I'm checking that one?\n\nChannel 1: Not yet. Alright. Here we go. Yep.\n\nChannel 0: Checking those nominations. Yeah. The the nomination on both your your hub 24 and your your towel just haven't been completed. I know you had the will set up recently, and then you're pretty sure you have the power of attorney that should be your wife. But just for in regards to beneficiary\n\nChannel 1: Yep.\n\nChannel 0: side of things, just because they're a non estate asset, they do have to be done separately. And I think we've recently sent you a copy there as well.\n\nChannel 1: Okay. That's fine. Yeah. I I thought I thought I had that okay. That's fine.\n\nLet's do it again.\n\nChannel 0: Yep. Not a problem. I'll just have a I'll just double check forms and everything and make sure it wasn't\n\nChannel 1: K. So I'm just checking this form now. I'm just on page end of page 34. It's actually assigned. There is a textbook which says text.\n\nSo I can have to do on that?\n\nChannel 0: That's in regards to if you, like, made any adjustments. So I'll run through the advice there with you and make\n\nChannel 1: Okay.\n\nChannel 0: sure you understand everything. And then if you did wanna make any adjustments to the advice, then that's where you'd sort of put in on what you wanna accept and what you've done if you were signing it. Obviously, you don't accept any of it. You just\n\nChannel 1: Mhmm.\n\nChannel 0: don't have to sign it. And, obviously, if you just wanna accept parts or nothing at all, obviously, it's quite straightforward in the sense that we're basically just recommending that you maintain your current hub 24 and change\n\nChannel 1: Mhmm.\n\nChannel 0: those underlying investments. And then we just put in the salary sacrifice there for you as well because, you know, you're thinking about the 50 or a 100 there\n\nChannel 1: That's right. Yep.\n\nChannel 0: and then the beneficiary nominations and then just ensure that because I noticed the power of attorney, you weren't too sure ensure that you do have that will and power of attorney just as a reminder. In regards to the document was created for yourself, the finalize on the thirty first of of March there. In regards to that one as well, it was prepared by myself as an authorized representative under Oakview Financial and the team here there as well. In regards to best interest, that's just basically saying if we can't put you in a better position, we won't recommend it. That's sort of the the\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: goal when we make recommendations. We don't wanna sort of make recommendations. It's gonna make you worse off. And then as far as the considered advice, it's just in regards to reviewing the superannuation, make sure those investments are adequate moving forward just with how Benelon has performed in the the portfolio as a whole, just reviewing that. In regards to that as well, just the estate planning side of things, making sure those beneficiaries do get done.\n\nI know in regards to the insurances, you are happy with what you did have and then the amount that it did covered, so that's scoped out there as well. So, yeah,\n\nChannel 1: Mhmm.\n\nChannel 0: in short\n\nChannel 1: Yep.\n\nChannel 0: there, we're recommending retaining that hub twenty four just because it's still competitive retail product, changing those underlying investments, starting the salary sacrifice of a $100 there, and then also establishing the beneficiary nominations and just touching on your estate planning, make sure that's all correct. On page\n\nChannel 1: Okay.\n\nChannel 0: seven and eight, you will see your details there. In regards to your total savings, you just didn't disclose what you actually have jointly with your partner, so it's just an undisclosed amount, which is fine, and then just the the house and the mortgage value there.\n\nChannel 1: Mhmm.\n\nChannel 0: Now\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: in regards to your insurances there, on page nine, you will see the life and TBD amount that you are covered for. As far as the risk profile there, we're just saying with the growth portfolio. So when we did that risk profile, you still came out as a growth investor, that eighty twenty split of growth versus defensive assets.\n\nChannel 1: Mhmm.\n\nChannel 0: And we're just trying to keep you in line with that even with the update. But do you have any questions in regards to the growth portfolio or anything in regards to that?\n\nChannel 1: Alright. That looks fine.\n\nChannel 0: Perfect. As far as the recommendation goes, Deb, so there will be a change in the investments that you do hold and then what you'll be holding moving forward.\n\nChannel 1: Mhmm.\n\nChannel 0: Basically, just to refresh the portfolio, update it, and making sure it's moving forward is in your best interest there. So within regards to that one there, we consider the CGT implications of that in the core of your portfolio the same. Although, like, you do have quite a bit of time till retirement there, we're not forecasting that far out. We're just trying to get you in a bit of a better position over the next five to ten years.\n\nChannel 1: Yep.\n\nChannel 0: And then with the recommended portfolio there, you'll be reducing your ongoing investment fees with that one, which has more money invested over time, which helps sort of capitalize on on growth there. You'll be reducing your level of risk that you do hold on that, and it will enhance the level of sort of diversification you currently have in your portfolio between those those funds that are recommended. So\n\nChannel 1: Okay.\n\nChannel 0: as far as the disadvantages there, there's always a chance that, like, the portfolio doesn't perform in regards to how it has performed previously on the recommendations performing. So it's just past in\n\nChannel 1: Mhmm.\n\nChannel 0: our performance is not indicative of future performance.\n\nChannel 1: Yep. Good.\n\nChannel 0: But with that, the the guarantee is you will have those lower investment costs. It's still in line with your agreed risk profile. It still aims to have that sort of eighty twenty split. It's closer a bit more to that 88% growth assets, but that's mainly because they consider gold to be entirely growth when it can be considered defensive as well. So you will have slightly more allocation to growth assets, but then it will also reduce the level of active component you have with managed funds by removing that Benelon fund there as well.\n\nAnd you'll\n\nChannel 1: Okay.\n\nChannel 0: still maintain your ClearBridge rare infrastructure fund, which will help sort of aim to outperform outperform the market and get you that little bit of alpha generation of trying to do better than what the markets are doing themselves. They're also\n\nChannel 1: Okay.\n\nChannel 0: spreading your investments across those alternative other investments there, removing that underperforming Benelong, and then also removing some bank hybrids there, which are just getting phased out, which is just why they're getting removed. And then with that, it helps minimize the CGT gain because we are maintaining a lot of the core of your portfolio and just changing a few of those satellite investments and then just rebalancing in line with what the portfolio was originally just to help with crystallizing some of those gains and spreading that across to be a little bit more diversified across the different investments.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Obviously, with that, when changing the investments, there's some portions that will be sold down to cash. And with the way the markets are at the moment, there is a chance that they do go up and down in that time frame. If they do go up, unfortunately, you might miss out on a little bit of that growth. But if they do go down again, then you might sort of get a bit of a a lower cost.\n\nBut over the long term, given your time to retirement, it's not a huge thing whether it goes either way. It just there's a little bit can be a bit of a negative impact, if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. And then with that, we did consider a few alternatives there as well by doing a full sell down moving funds to different platforms that may be a little bit cheaper. But with your capital gains that you do have there, it's not worth doing\n\nChannel 1: Yep.\n\nChannel 0: that given how competitive Hub twenty four still is. In addition to that window, we also looked at being in an alternative portfolio that maybe has a little bit more growth or just changing the investments entirely, but that just led to a higher capital gain consequence as well, whereas you're happy with your your portfolio is performing largely quite well. And this\n\nChannel 1: Yep.\n\nChannel 0: just rebalances, removes those underperforming asset, and then just gets rid of the asset that will eventually be phased out anyway and then just gets you back on on track to, hopefully, some sustained long term growth.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Did you have any questions in regards to that recommendation\n\nChannel 1: It's\n\nChannel 0: at all? Yep. Obviously, with the change, you will pay a little bit in brokerage and then, like, a little bit\n\nChannel 1: fine.\n\nChannel 0: with the the buying and the selling of the assets. As far as the CGT, you can see removing mainly the underperforming assets. Any losses will be carried forward for future gains, and then you'll be saving on investment fees. And then with that, if your portfolio does perform better, the advice fee will go up, and that's just based on projected growth. The portfolio is recommended to do better without that underperforming asset as well.\n\nThat's why that all goes up, but that's just based on the five year or three year rolling averages. Sorry. Just based on the what's available. And then with that, there's no sort of guarantee that's what is gonna happen. That's just based on the fact that given you will be saving money, you will be a little bit less risky having that index investment instead of the Benelon investment and still maintaining a portion towards active to still aim for a little bit of higher growth.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So at the moment, you're sitting around 84% in total growth assets, around 15% in defensive. Now with the the rebalance and the changing of that, it does bring you close to 88% growth assets. But with that, that's because gold is considered a totally alternative growth asset. And it can act as defensive, like, what you see, like, with wars that have been occurring in the past few years and things like that. Gold has, like, got a lot of capital growth as well, which is why it's been considered that.\n\nBut in saying that, it can be quite defensive in nature that it does hold value. It is a bit cyclical when things go bad. That gold technically kind of holds its value or goes up even. But just the way it's classified in this is just it's a 100% of growth asset there as well. As far as the allocations, it is still quite in line with the high a growth sort of portfolio there of\n\nChannel 1: Okay.\n\nChannel 0: OP Financial. You can see the breakdowns there on page 17 of, like, shaming for the Australian equities, international\n\nChannel 1: Yep.\n\nChannel 0: equities. Does have a bit of a high allocation to growth assets that are alternative because that ClearBridge fund is in is also considered an alternative growth asset. But given that goal, it can be considered a bit defensive as well. It's fine having that sort of allocation to that.\n\nChannel 1: Okay.\n\nChannel 0: But do you have any other questions in regards to the portfolio, the splits, or the allocations there at all?\n\nChannel 1: No. No. I don't.\n\nChannel 0: Perfect. On page 18 there, you will be able to see the recommendation. Now within regards to recommendation as well, it does all consider the salary sacrifice that we have recommendation of that $100. So with the net contributions, that does go up, including that minus the tax you will pay, putting into super versus taking it home there, which will\n\nChannel 1: Mhmm.\n\nChannel 0: all contribute to having a bit of a higher superannuation balance and having that compounding effect. Now\n\nChannel 1: Yep.\n\nChannel 0: on the the next page over, you will be able to see what that looks like in terms of, like, growth over five to ten year period based on if it was to sort of present as, like, a three year year on year. But in saying that, like, the last three years are never gonna replicate. So it's just a nice sort of illustration if, you know, this is what might happen given that. But in saying that, the main guarantees there are you would be contributing more. You would be saving\n\nChannel 1: Yep.\n\nChannel 0: on investments, which would all consider contribute to growth even if the war continues, then the growth is a little bit more stagnant for the next twelve months. But in saying that as well, the salary sacrifice arrangement is that $100 per week. Then the appendix there as well, you can see what $50 a week would look like in terms of contributing to super and, like, a a value with that, just to your reference. Because on page 21 of the SOA, you can see what that looks like\n\nChannel 1: Okay.\n\nChannel 0: in terms of how much\n\nChannel 1: Yep.\n\nChannel 0: your salary is sacrificing, how much your taxable income would be, how much your tax is paid on that taxable income, and then how much tax you'd be paying in super versus what you're paying at the moment, and how much of that would be contributed to the fund and what those net contributions would look like. So\n\nChannel 1: Yes.\n\nChannel 0: there's\n\nChannel 1: Okay.\n\nChannel 0: one there for the $100 a week, and in the appendix, you'd be able to see the $50 per week. If you did decide you only wanna do the 50, you can put it in that little text box there that I only wanna do $50 per week per, like, the appendix, not the statement of advice. And then with that, you can just let your employer know that's what you wanna start, and then we'll have that to state, basically, you're doing the 50,\n\nChannel 1: Yes.\n\nChannel 0: not the 100.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: But with that, given your current circumstances there, given that you don't wanna sort of look at the moment in terms of doing any sort of outside super investment and just getting that super growing to have a little bit more compounding at least while you've got that savings per week that you're not really doing too much with at the moment, you can forego. You can look at sort of bolstering up your super now, lowering your effective tax rate outside of that, and then basically, you know, getting a bit of a head start on that compounding effect with your super contributions versus trying to chase it up later sort of towards your late fifties.\n\nChannel 1: Yeah. This one. Okay.\n\nChannel 0: By doing that, you obviously lean towards creating that future retirement fund and helping sort of bolster that up. In addition to that one, it will, like, lower your effectual like, effective tax rate from a 115 down to a 109,000 for what you're paying tax on there as well.\n\nChannel 1: Yep.\n\nChannel 0: And then you can see that cost savings difference of what you're paying inside versus outside to\n\nChannel 1: Mhmm.\n\nChannel 0: help get those retirement goals a little bit closer in reach and having that money put aside. Obviously, the disadvantages of that, you are locking that money as way. You can't touch it until you sort of meet a condition of release.\n\nChannel 1: Yep.\n\nChannel 0: And then with that, obviously, it's cash flow dependent. You can stop at any time if you let your employer know type deal, so\n\nChannel 1: Yep.\n\nChannel 0: that's more than fine. It's just the money you have put in or would be putting in that's locked away.\n\nChannel 1: Yeah. Definitely. Okay.\n\nChannel 0: Another risk in regards to that is obviously, you know, with the markets and how they can be quite volatile, although you're putting money in there as well. There could be dips and things like that there as well that, you know, in the long term, they might sort of have impact on those retirement goals. So that aren't, like, guaranteed, but it is guaranteed that you're putting more money in early. You're getting that compounding. And then even with the dips, you do have enough time to retirement that you're getting that money invested now and then writing out those over the next sort of twenty years.\n\nChannel 1: Okay. Fantastic. Yep. That's yep. Exactly\n\nChannel 0: Yep.\n\nChannel 1: that. Okay.\n\nChannel 0: We did also consider just the $50 per week, but given\n\nChannel 1: Yeah. You just\n\nChannel 0: that\n\nChannel 1: scan it\n\nChannel 0: Yeah.\n\nChannel 1: there. I can see it here.\n\nChannel 0: Yeah. And then obviously, you can sort of look at doing that depending on your cash flow. But given you I do have that spare $100 per week, it means you're having that towards super there and then also just not making total size sacrifice contributions. But given that your sort of main goal at the moment is to get that super growing get it growing early, that's why we sort of looked at recommending that you do the $100 per week.\n\nChannel 1: Okay. Yep. Yep. Agreed.\n\nChannel 0: Perfect. In regards to beneficiary nominations, I know sort of it with your partner, that is the the main person there that you have at the moment. So we are recommending that you just leave it a 100% to your\n\nChannel 1: Yes.\n\nChannel 0: spouse. Now you don't\n\nChannel 1: Of\n\nChannel 0: have\n\nChannel 1: course.\n\nChannel 0: to to do that if you want to leave certain things to your family and that with the will. And if it is stipulated in the will, you can leave it to LPR, which is distributed that way. But yeah.\n\nChannel 1: That's that's\n\nChannel 0: The spouse yeah.\n\nChannel 1: that's exactly correct, and the wheels are sorted. Yep.\n\nChannel 0: Perfect. Yeah. So with the the spouse there, they'll receive it a 100% tax free, and it just means if anything happened to you, that'd be the beneficiary, and it doesn't go to the estate. If you had, you know, an ex spouse that might sort of come after you, your money or funds and things like that, benefit of super, anyway, since it's a non estate asset, and if your nomination's valid\n\nChannel 1: Yep.\n\nChannel 0: through your spouse, it just means they get it. There's no sort of if, then, or buts. It's very rare that it's contested\n\nChannel 1: Yep.\n\nChannel 0: being contested\n\nChannel 1: Yep. Good.\n\nChannel 0: successfully. And then with that, you'll have that peace of mind that the person you want to get it, then they will receive it.\n\nChannel 1: Yep.\n\nChannel 0: And then within regards to disadvantages there, obviously, it does go to that one person, and you may sort of wanna split it, which\n\nChannel 1: Mhmm.\n\nChannel 0: you can do through the will and things like that. But in saying that if you you like your your partner enough and they're that's all beneficiary, that's not really an issue with that.\n\nChannel 1: Exactly\n\nChannel 0: Yeah.\n\nChannel 1: right. Yeah. I do. So it's good.\n\nChannel 0: That'd be obviously, the alternative there is you can leave it to the the will there to be distributed that way, but then that comes with the risk of being contested. And the the taxes are a little bit different going to a will versus a dependent, which is your spouse, so 100% tax free,\n\nChannel 1: Yep.\n\nChannel 0: which is nice.\n\nChannel 1: Okay.\n\nChannel 0: And then with that, there is a section there to make sure you do have that established will and a power of attorney attached to that, which I know you're pretty certain on the will. You're not too sure exactly on the power of attorney. So there is just a section on that there as well, but I won't delve into that too much just given the fact that you're pretty sure it's all pretty well sorted. The spouse is the one\n\nChannel 1: Yep.\n\nChannel 0: that just got that sorted for you. On page 32 there, you will see the remuneration. So within regards to that, the fee remains at the 1.65%. And then\n\nChannel 1: Yep.\n\nChannel 0: the the premium for for Tal, we do get 22% commission for holding the policy with Tal. That's not an, like, payment you pay to us. It's what the insurer\n\nChannel 1: No.\n\nChannel 0: pays,\n\nChannel 1: No. I understand. Yep.\n\nChannel 0: yeah, through your premium. So that all remains the same. Those decisions remain the same. In such time, if you know your partner did come on board, they still do have that 1.1% couples fee. So if she ever did wanna look at sort of having a super looked at, I know you said she was pretty happy with where she\n\nChannel 1: There\n\nChannel 0: was.\n\nChannel 1: you go. There she is. Yep.\n\nChannel 0: Yeah. But in the future, you never know. So that's still around at the moment. And then within regards to what happens next, so if you were happy with everything there and did sign there, you obviously sign or if you would switch your underlying investments. It would be up to you to let your employer know to start the salary sacrifice.\n\nThey can draw up a salary sacrifice arrangement letter that you can pass on to your employer, but it is kind of as simple as going to payroll and going like,\n\nChannel 1: Mhmm.\n\nChannel 0: I wanna start a $100 per week. And then within regards to beneficiary nomination there for your super insurances there, it is up to you to be able to fill out those forms and send them back there. But do you still have a copy of those? I believe they might have sent one out. I'll just double check.\n\nChannel 1: Not recently.\n\nChannel 0: Let's see if it did get sent out. Believe after the last time we spoke, I made a note of it, but I don't believe anyone sent it there to you at the moment. So I'll make a note of it, and I'll get them to to send\n\nChannel 1: Yeah.\n\nChannel 0: that out\n\nChannel 1: If\n\nChannel 0: to\n\nChannel 1: if\n\nChannel 0: you.\n\nChannel 1: it could, it's just blowing us. Oh.\n\nChannel 0: Yeah. I'm not too sure what it would have happened because, obviously, you would have got the forms when you first came on board there. I'm not\n\nChannel 1: Yeah.\n\nChannel 0: too sure\n\nChannel 1: Yeah.\n\nChannel 0: if they\n\nChannel 1: I\n\nChannel 0: were\n\nChannel 1: I\n\nChannel 0: lost in the mail or\n\nChannel 1: it's\n\nChannel 0: not.\n\nChannel 1: it's\n\nChannel 0: Or\n\nChannel 1: yeah. Very, very possible. I just never set it through, but I do remember going to the effort. Like, you're getting someone to start and get with the\n\nChannel 0: yeah.\n\nChannel 1: with the service.\n\nChannel 0: I don't mean to, like, bag on Australian Oz\n\nChannel 1: No.\n\nChannel 0: Post\n\nChannel 1: No. No.\n\nChannel 0: either,\n\nChannel 1: It's\n\nChannel 0: but,\n\nChannel 1: fine.\n\nChannel 0: yeah, they they tend to lose a lot.\n\nChannel 1: But\n\nChannel 0: I've\n\nChannel 1: I\n\nChannel 0: seen\n\nChannel 1: I I\n\nChannel 0: in\n\nChannel 1: I'll be honest, man. I presume it was me before anyone else. Yeah. It's all about, you know, planning and execution. I I can do planning or I can do execution.\n\nI can do so, apparently.\n\nChannel 0: Very fair. But, yeah, I'll get them to dial those forms out to you to your address, and you expect\n\nChannel 1: Mhmm.\n\nChannel 0: those sort of in the next week or so.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Yeah. And then you just gotta get them witnessed by someone that's not your\n\nChannel 1: Yep.\n\nChannel 0: your spouse\n\nChannel 1: That's\n\nChannel 0: if she's\n\nChannel 1: alright.\n\nChannel 0: nominated party, and then, yeah, you're all sorted. And then you can take even a photo of that and email them back through as long as it's clear, and you can even keep a copy\n\nChannel 1: Oh, really?\n\nChannel 0: or you can\n\nChannel 1: Oh,\n\nChannel 0: send\n\nChannel 1: you\n\nChannel 0: them\n\nChannel 1: can't\n\nChannel 0: back at\n\nChannel 1: scan me. Make\n\nChannel 0: yeah.\n\nChannel 1: it easier.\n\nChannel 0: They can\n\nChannel 1: Okay.\n\nChannel 0: you\n\nChannel 1: Done.\n\nChannel 0: can scan it through and just email it back there. And then\n\nChannel 1: Alright. Great.\n\nChannel 0: happy days. There's not sort of an issue of it getting lost in the mail or in transit there, which is fine.\n\nChannel 1: Alright.\n\nChannel 0: But\n\nChannel 1: Good.\n\nChannel 0: do you have any questions in regards to that at all, Kendall? Does that all pretty much make sense?\n\nChannel 1: No. That would make sense. Thank you.\n\nChannel 0: Not a problem at all. As I said, there is the appendix there. It's quite straightforward given the advice that just shows the alternative for that value sacrifice. You do have the list of investments there as well if you do wanna have a little squeeze and see what the changes were and what was being recommended. But other\n\nChannel 1: Yes.\n\nChannel 0: than that, quite a straightforward advice piece with the investment switch and the salary sacrifice arrangement.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Not a problem at all. Well, if you were to have that, you could go ahead and sign. If you want a second to read through it, you've got more enough time to be able to read through that. It's valid for thirty days without confirming details, another thirty after that. So you've got plenty of time if you wanna do.\n\nJust have a read through it, make sure you were happy with everything, and then go ahead and sign it. Or you could just go ahead and and sign it there, and they'll get that sort of on the role and implemented when, I believe, they're away this week for the person responsible, but possibly next week.\n\nChannel 1: Okay. Appreciate it. Thank you. No. That's all\n\nChannel 0: No problem,\n\nChannel 1: done.\n\nChannel 0: Kendall. Brilliant. If you had any other questions, feel free to reach out. Otherwise, I'll let you get back to your afternoon. I won't take up any more time.\n\nChannel 1: Alright. I really appreciate it. Thank you, Paul.\n\nChannel 0: No problems, Kendall. Enjoy the rest of your day.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Cheers. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good day.","start":1.36,"end":1.5999999,"sentiment":"positive","sentiment_score":0.45881566405296326},{"text":"It's Kendall.","start":1.5999999,"end":2.34,"sentiment":"neutral","sentiment_score":0.24311703443527222}],"sentiment":"positive","sentiment_score":0.35096634924411774,"channel":1,"num_words":4,"start":1.36,"end":2.34},{"sentences":[{"text":"Good afternoon, Kendall.","start":2.8,"end":3.6799998,"sentiment":"positive","sentiment_score":0.4469212293624878},{"text":"It's Carl calling from OPU Financial.","start":3.6799998,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2969747682412465},{"text":"How are you today?","start":5.2799997,"end":6.18,"sentiment":"positive","sentiment_score":0.33407308906316757}],"sentiment":"positive","sentiment_score":0.3429926656759702,"channel":0,"num_words":13,"start":2.8,"end":6.18},{"sentences":[{"text":"Jacob.","start":6.08,"end":6.56,"sentiment":"neutral","sentiment_score":0.14403437077999115},{"text":"Thanks for calling.","start":6.56,"end":7.2,"sentiment":"positive","sentiment_score":0.5347927510738373},{"text":"Yourself?","start":7.2,"end":7.7,"sentiment":"positive","sentiment_score":0.33373984694480896}],"sentiment":"positive","sentiment_score":0.41643049418926237,"channel":1,"num_words":5,"start":6.08,"end":7.7},{"sentences":[{"text":"Yeah.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.212005078792572},{"text":"Not too bad at all.","start":8.24,"end":9.12,"sentiment":"neutral","sentiment_score":0.28805979192256925},{"text":"Thanks for asking.","start":9.12,"end":10.0,"sentiment":"positive","sentiment_score":0.6089903513590494},{"text":"I just scheduled in to go over","start":10.0,"end":11.599999,"sentiment":"positive","sentiment_score":0.3513572428907667}],"sentiment":"positive","sentiment_score":0.37117348704487085,"channel":0,"num_words":16,"start":7.9199996,"end":11.599999},{"sentences":[{"text":"Yep.","start":11.5199995,"end":12.0199995,"sentiment":"neutral","sentiment_score":0.27686604857444763}],"sentiment":"neutral","sentiment_score":0.27686604857444763,"channel":1,"num_words":1,"start":11.5199995,"end":12.0199995},{"sentences":[{"text":"your statement advice this afternoon.","start":11.599999,"end":13.04,"sentiment":"neutral","sentiment_score":0.29963558316230776},{"text":"Is that still a good time for you?","start":13.04,"end":14.295,"sentiment":"neutral","sentiment_score":0.27995753660798073}],"sentiment":"neutral","sentiment_score":0.28752601605195266,"channel":0,"num_words":13,"start":11.599999,"end":14.295},{"sentences":[{"text":"Yes.","start":14.48,"end":14.88,"sentiment":"neutral","sentiment_score":0.18838946521282196},{"text":"Yes, please.","start":14.88,"end":15.7,"sentiment":"neutral","sentiment_score":0.2666720747947693}],"sentiment":"neutral","sentiment_score":0.24057787160078684,"channel":1,"num_words":3,"start":14.48,"end":15.7},{"sentences":[{"text":"Perfect.","start":16.615,"end":16.935,"sentiment":"positive","sentiment_score":0.6684395670890808},{"text":"Just to get started on that one, Kendall, if I could just pass you through security with that name, date of birth, and current address, we'll get started on that one, sir.","start":16.935,"end":22.635,"sentiment":"neutral","sentiment_score":0.31906979950144887}],"sentiment":"neutral","sentiment_score":0.3296567621556195,"channel":0,"num_words":33,"start":16.615,"end":22.635},{"sentences":[{"text":"Yep.","start":22.775,"end":23.015,"sentiment":"neutral","sentiment_score":0.075593963265419},{"text":"Yep.","start":23.015,"end":23.255001,"sentiment":"neutral","sentiment_score":0.03589577600359917},{"text":"Kendall John Williams.","start":23.255001,"end":24.475,"sentiment":"neutral","sentiment_score":0.021671334902445476},{"text":"Fourteen zero two nineteen eighty three.","start":24.855,"end":27.035,"sentiment":"neutral","sentiment_score":0.019955567705134552},{"text":"Eighty two Emperor Parade, Chisholm, New South Wales, two three two two.","start":27.095001,"end":31.15,"sentiment":"neutral","sentiment_score":0.04100766583966712}],"sentiment":"neutral","sentiment_score":0.034275180012311626,"channel":1,"num_words":23,"start":22.775,"end":31.15},{"sentences":[{"text":"Perfect.","start":31.669998,"end":32.07,"sentiment":"positive","sentiment_score":0.48233097791671753},{"text":"Thank you for that one.","start":32.07,"end":32.71,"sentiment":"positive","sentiment_score":0.5857305765151978},{"text":"And then just given that it was just a bit over a month there since we last sort of spoke, can I just confirm that nothing in relation to, like, your occupation, job, or anything like that has","start":32.71,"end":39.91,"sentiment":"neutral","sentiment_score":0.02853027525308885}],"sentiment":"neutral","sentiment_score":0.10216214363886551,"channel":0,"num_words":44,"start":31.669998,"end":39.91},{"sentences":[{"text":"No.","start":39.769997,"end":40.09,"sentiment":"neutral","sentiment_score":-0.12776076793670654}],"sentiment":"neutral","sentiment_score":-0.12776076793670654,"channel":1,"num_words":1,"start":39.769997,"end":40.09},{"sentences":[{"text":"changed?","start":39.91,"end":40.41,"sentiment":"neutral","sentiment_score":-0.13402675092220306}],"sentiment":"neutral","sentiment_score":-0.13402675092220306,"channel":0,"num_words":1,"start":39.91,"end":40.41},{"sentences":[{"text":"Nothing's changed.","start":40.09,"end":40.989998,"sentiment":"neutral","sentiment_score":-0.12457508221268654}],"sentiment":"neutral","sentiment_score":-0.12457508221268654,"channel":1,"num_words":2,"start":40.09,"end":40.989998},{"sentences":[{"text":"Perfect.","start":41.985,"end":42.465,"sentiment":"neutral","sentiment_score":0.17238295078277588}],"sentiment":"neutral","sentiment_score":0.17238295078277588,"channel":0,"num_words":1,"start":41.985,"end":42.465},{"sentences":[{"text":"Mhmm.","start":42.145,"end":42.645,"sentiment":"neutral","sentiment_score":0.11710277944803238}],"sentiment":"neutral","sentiment_score":0.11710277944803238,"channel":1,"num_words":1,"start":42.145,"end":42.645},{"sentences":[{"text":"Brilliant.","start":42.465,"end":42.945,"sentiment":"positive","sentiment_score":0.3998693823814392},{"text":"And I definitely know these calls are recorded for quality and training purposes there as well, Kendall.","start":42.945,"end":47.045002,"sentiment":"neutral","sentiment_score":0.16131197529680588},{"text":"Okay.","start":47.505,"end":48.005,"sentiment":"neutral","sentiment_score":0.05912381038069725},{"text":"But in saying that there, I will be sending out an audio sign with the documents there to your email @Kendall.Williams83atGmail.com.","start":48.625,"end":55.745003,"sentiment":"neutral","sentiment_score":0.01852007902094296},{"text":"Is that still correct?","start":55.745003,"end":56.73,"sentiment":"neutral","sentiment_score":0.04412577301263809}],"sentiment":"neutral","sentiment_score":0.08560730737041343,"channel":0,"num_words":44,"start":42.465,"end":56.73},{"sentences":[{"text":"That's correct.","start":57.105,"end":57.585,"sentiment":"neutral","sentiment_score":0.09899807348847389},{"text":"Yep.","start":57.585,"end":57.96,"sentiment":"neutral","sentiment_score":0.177329421043396}],"sentiment":"neutral","sentiment_score":0.12510852267344794,"channel":1,"num_words":3,"start":57.105,"end":57.96},{"sentences":[{"text":"Perfect.","start":58.97,"end":59.29,"sentiment":"positive","sentiment_score":0.3555510640144348},{"text":"So that will be there with you shortly.","start":59.29,"end":60.89,"sentiment":"neutral","sentiment_score":0.2072647586464882},{"text":"And then with that, you'll have your statement advice and the appendix to that one.","start":60.89,"end":64.43,"sentiment":"neutral","sentiment_score":0.1897049605846405},{"text":"Now it is quite a straightforward advice piece just based on the fact that we're mainly just looking at the superannuation side of things and those investments","start":64.49,"end":72.03,"sentiment":"neutral","sentiment_score":0.08489969441736187}],"sentiment":"neutral","sentiment_score":0.14022618218087682,"channel":0,"num_words":51,"start":58.97,"end":72.03},{"sentences":[{"text":"Mhmm.","start":71.955,"end":72.455,"sentiment":"neutral","sentiment_score":-0.0023174500092864037}],"sentiment":"neutral","sentiment_score":-0.0023174500092864037,"channel":1,"num_words":1,"start":71.955,"end":72.455},{"sentences":[{"text":"and then just the estate planning just because you just don't have that valid nomination, I believe it was.","start":72.935,"end":80.615,"sentiment":"neutral","sentiment_score":-0.05020216323043171},{"text":"Let me just double check that","start":80.615,"end":82.055,"sentiment":"neutral","sentiment_score":-0.043628682692845665}],"sentiment":"neutral","sentiment_score":-0.04862452790141106,"channel":0,"num_words":25,"start":72.935,"end":82.055},{"sentences":[{"text":"Not","start":81.955,"end":82.195,"sentiment":"neutral","sentiment_score":-0.09597203880548476}],"sentiment":"neutral","sentiment_score":-0.09597203880548476,"channel":1,"num_words":1,"start":81.955,"end":82.195},{"sentences":[{"text":"one.","start":82.055,"end":82.555,"sentiment":"neutral","sentiment_score":-0.17610999941825867}],"sentiment":"neutral","sentiment_score":-0.17610999941825867,"channel":0,"num_words":1,"start":82.055,"end":82.555},{"sentences":[{"text":"really.","start":82.195,"end":82.695,"sentiment":"neutral","sentiment_score":-0.12043651193380356}],"sentiment":"neutral","sentiment_score":-0.12043651193380356,"channel":1,"num_words":1,"start":82.195,"end":82.695},{"sentences":[{"text":"Let me just double check.","start":86.31,"end":87.69,"sentiment":"neutral","sentiment_score":-0.0820551946759224},{"text":"There's just loading up.","start":93.59,"end":94.95,"sentiment":"neutral","sentiment_score":-0.09618230164051056},{"text":"There is that email come through there just while I'm checking that one?","start":94.95,"end":97.785,"sentiment":"neutral","sentiment_score":-0.0816020742058754}],"sentiment":"neutral","sentiment_score":-0.08435600657354701,"channel":0,"num_words":22,"start":86.31,"end":97.785},{"sentences":[{"text":"Not yet.","start":100.685,"end":101.265,"sentiment":"neutral","sentiment_score":-0.15612323582172394},{"text":"Alright.","start":101.485,"end":101.805,"sentiment":"neutral","sentiment_score":-0.04272829741239548},{"text":"Here we go.","start":101.805,"end":102.625,"sentiment":"neutral","sentiment_score":-0.013362123320500055},{"text":"Yep.","start":103.245,"end":103.745,"sentiment":"neutral","sentiment_score":0.008030029013752937}],"sentiment":"neutral","sentiment_score":-0.055290158571941514,"channel":1,"num_words":7,"start":100.685,"end":103.745},{"sentences":[{"text":"Checking those nominations.","start":115.08,"end":116.3,"sentiment":"neutral","sentiment_score":-0.028937918444474537},{"text":"Yeah.","start":116.68,"end":117.16,"sentiment":"neutral","sentiment_score":-0.1082768440246582},{"text":"The the nomination on both your your hub 24 and your your towel just haven't been completed.","start":117.16,"end":121.560005,"sentiment":"neutral","sentiment_score":-0.2657065715859918},{"text":"I know you had the will set up recently, and then you're pretty sure you have the power of attorney that should be your wife.","start":121.560005,"end":127.675,"sentiment":"neutral","sentiment_score":0.06034852743148804},{"text":"But just for in regards to beneficiary","start":127.675,"end":129.13501,"sentiment":"neutral","sentiment_score":0.010148310235568456}],"sentiment":"neutral","sentiment_score":-0.05910096148837288,"channel":0,"num_words":53,"start":115.08,"end":129.13501},{"sentences":[{"text":"Yep.","start":128.735,"end":129.235,"sentiment":"neutral","sentiment_score":0.01697465032339096}],"sentiment":"neutral","sentiment_score":0.01697465032339096,"channel":1,"num_words":1,"start":128.735,"end":129.235},{"sentences":[{"text":"side of things, just because they're a non estate asset, they do have to be done separately.","start":129.195,"end":132.955,"sentiment":"neutral","sentiment_score":0.018018994480371475},{"text":"And I think we've recently sent you a copy there as well.","start":132.955,"end":136.015,"sentiment":"neutral","sentiment_score":0.09274995761613052}],"sentiment":"neutral","sentiment_score":0.04894215163999591,"channel":0,"num_words":29,"start":129.195,"end":136.015},{"sentences":[{"text":"Okay.","start":136.655,"end":137.155,"sentiment":"neutral","sentiment_score":0.2231089174747467},{"text":"That's fine.","start":137.855,"end":138.495,"sentiment":"positive","sentiment_score":0.34523816406726837},{"text":"Yeah.","start":138.495,"end":138.995,"sentiment":"neutral","sentiment_score":0.3204237222671509},{"text":"I I thought I thought I had that okay.","start":139.215,"end":142.38,"sentiment":"neutral","sentiment_score":0.1022857775290807},{"text":"That's fine.","start":142.38,"end":143.02,"sentiment":"positive","sentiment_score":0.38385820388793945}],"sentiment":"neutral","sentiment_score":0.1948198248942693,"channel":1,"num_words":15,"start":136.655,"end":143.02},{"sentences":[{"text":"Let's do it again.","start":143.02,"end":144.0,"sentiment":"neutral","sentiment_score":0.2676166668534279}],"sentiment":"neutral","sentiment_score":0.2676166668534279,"channel":1,"num_words":4,"start":143.02,"end":144.0},{"sentences":[{"text":"Yep.","start":144.56999,"end":145.06999,"sentiment":"neutral","sentiment_score":0.20972001552581787},{"text":"Not a problem.","start":145.12999,"end":146.11,"sentiment":"positive","sentiment_score":0.34729007879892987},{"text":"I'll just have a I'll just double check forms and everything and make sure it wasn't","start":146.32999,"end":152.045,"sentiment":"neutral","sentiment_score":0.15268942900002003}],"sentiment":"neutral","sentiment_score":0.1847310557961464,"channel":0,"num_words":20,"start":144.56999,"end":152.045},{"sentences":[{"text":"K.","start":153.715,"end":154.03499,"sentiment":"neutral","sentiment_score":0.09295818209648132},{"text":"So I'm just checking this form now.","start":154.03499,"end":155.815,"sentiment":"neutral","sentiment_score":0.11100964886801583},{"text":"I'm just on page end of page 34.","start":158.67499,"end":160.915,"sentiment":"neutral","sentiment_score":0.09482624847441912},{"text":"It's actually assigned.","start":160.915,"end":161.875,"sentiment":"neutral","sentiment_score":0.09028406689564387},{"text":"There is a textbook which says text.","start":161.875,"end":164.135,"sentiment":"neutral","sentiment_score":0.04659375175833702}],"sentiment":"neutral","sentiment_score":0.08560169903704754,"channel":1,"num_words":26,"start":153.715,"end":164.135},{"sentences":[{"text":"So I can have to do on that?","start":164.595,"end":165.93,"sentiment":"neutral","sentiment_score":0.05576588260009885}],"sentiment":"neutral","sentiment_score":0.05576588260009885,"channel":1,"num_words":8,"start":164.595,"end":165.93},{"sentences":[{"text":"That's in regards to if you, like, made any adjustments.","start":166.2,"end":169.87999,"sentiment":"neutral","sentiment_score":0.051290927827358244},{"text":"So I'll run through the advice there with you and make","start":169.87999,"end":171.87999,"sentiment":"neutral","sentiment_score":0.09926920113238422}],"sentiment":"neutral","sentiment_score":0.07642240432046708,"channel":0,"num_words":21,"start":166.2,"end":171.87999},{"sentences":[{"text":"Okay.","start":171.76999,"end":172.26999,"sentiment":"neutral","sentiment_score":0.1629510223865509}],"sentiment":"neutral","sentiment_score":0.1629510223865509,"channel":1,"num_words":1,"start":171.76999,"end":172.26999},{"sentences":[{"text":"sure you understand everything.","start":171.87999,"end":172.92,"sentiment":"neutral","sentiment_score":0.14042077586054802},{"text":"And then if you did wanna make any adjustments to the advice, then that's where you'd sort of put in on what you wanna accept and what you've done if you were signing it.","start":172.92,"end":179.905,"sentiment":"neutral","sentiment_score":0.06365472735727534},{"text":"Obviously, you don't accept any of it.","start":179.905,"end":181.265,"sentiment":"neutral","sentiment_score":-0.21798059982912882},{"text":"You just","start":181.265,"end":181.58499,"sentiment":"neutral","sentiment_score":-0.10447710379958153}],"sentiment":"neutral","sentiment_score":0.021087775046521044,"channel":0,"num_words":47,"start":171.87999,"end":181.58499},{"sentences":[{"text":"Mhmm.","start":181.485,"end":181.985,"sentiment":"neutral","sentiment_score":-0.008408468216657639}],"sentiment":"neutral","sentiment_score":-0.008408468216657639,"channel":1,"num_words":1,"start":181.485,"end":181.985},{"sentences":[{"text":"don't have to sign it.","start":181.58499,"end":182.545,"sentiment":"neutral","sentiment_score":-0.09678534269332886},{"text":"And, obviously, if you just wanna accept parts or nothing at all, obviously, it's quite straightforward in the sense that we're basically just recommending that you maintain your current hub 24 and change","start":182.545,"end":192.37001,"sentiment":"neutral","sentiment_score":0.11774648556655104}],"sentiment":"neutral","sentiment_score":0.08951861342709315,"channel":0,"num_words":38,"start":181.58499,"end":192.37001},{"sentences":[{"text":"Mhmm.","start":192.15,"end":192.65,"sentiment":"neutral","sentiment_score":0.026022423058748245}],"sentiment":"neutral","sentiment_score":0.026022423058748245,"channel":1,"num_words":1,"start":192.15,"end":192.65},{"sentences":[{"text":"those underlying investments.","start":192.37001,"end":193.33,"sentiment":"neutral","sentiment_score":0.06286675358812015},{"text":"And then we just put in the salary sacrifice there for you as well because, you know, you're thinking about the 50 or a 100 there","start":193.33,"end":198.95001,"sentiment":"neutral","sentiment_score":0.08588957199110435}],"sentiment":"neutral","sentiment_score":0.08350790112183012,"channel":0,"num_words":29,"start":192.37001,"end":198.95001},{"sentences":[{"text":"That's right.","start":198.87,"end":199.43,"sentiment":"neutral","sentiment_score":0.29237616062164307},{"text":"Yep.","start":199.43,"end":199.93,"sentiment":"neutral","sentiment_score":0.17578944563865662}],"sentiment":"neutral","sentiment_score":0.2535139222939809,"channel":1,"num_words":3,"start":198.87,"end":199.93},{"sentences":[{"text":"and then the beneficiary nominations and then just ensure that because I noticed the power of attorney, you weren't too sure ensure that you do have that will and power of attorney just as a reminder.","start":199.81,"end":208.83499,"sentiment":"neutral","sentiment_score":0.1159170733557807},{"text":"In regards to the document was created for yourself, the finalize on the thirty first of of March there.","start":210.015,"end":216.11499,"sentiment":"neutral","sentiment_score":0.1294990864239241},{"text":"In regards to that one as well, it was prepared by myself as an authorized representative under Oakview Financial and the team here there as well.","start":216.59,"end":223.70999,"sentiment":"neutral","sentiment_score":0.1399253701361326},{"text":"In regards to best interest, that's just basically saying if we can't put you in a better position, we won't recommend it.","start":223.70999,"end":227.70999,"sentiment":"negative","sentiment_score":-0.33871940591118554},{"text":"That's sort of the the","start":227.70999,"end":228.59,"sentiment":"neutral","sentiment_score":-0.2283776193857193}],"sentiment":"neutral","sentiment_score":0.015535572957661416,"channel":0,"num_words":108,"start":199.81,"end":228.59},{"sentences":[{"text":"Mhmm.","start":228.44,"end":228.52,"sentiment":"neutral","sentiment_score":-0.13370896875858307},{"text":"Yep.","start":228.52,"end":229.02,"sentiment":"neutral","sentiment_score":-0.0926392525434494}],"sentiment":"neutral","sentiment_score":-0.11317411065101624,"channel":1,"num_words":2,"start":228.44,"end":229.02},{"sentences":[{"text":"goal when we make recommendations.","start":228.59,"end":229.97,"sentiment":"neutral","sentiment_score":-0.13603598922491072},{"text":"We don't wanna sort of make recommendations.","start":230.03,"end":231.39,"sentiment":"negative","sentiment_score":-0.41146167687007357},{"text":"It's gonna make you worse off.","start":231.39,"end":232.885,"sentiment":"negative","sentiment_score":-0.5262678414583206},{"text":"And then as far as the considered advice, it's just in regards to reviewing the superannuation, make sure those investments are adequate moving forward just with how Benelon has performed in the the portfolio as a whole, just reviewing that.","start":232.885,"end":245.945,"sentiment":"neutral","sentiment_score":0.06207814235240221},{"text":"In regards to that as well, just the estate planning side of things, making sure those beneficiaries do get done.","start":247.14,"end":251.54001,"sentiment":"neutral","sentiment_score":0.19630797021090984}],"sentiment":"neutral","sentiment_score":-0.003958123521162913,"channel":0,"num_words":78,"start":228.59,"end":251.54001},{"sentences":[{"text":"I know in regards to the insurances, you are happy with what you did have and then the amount that it did covered, so that's scoped out there as well.","start":251.54001,"end":258.34,"sentiment":"neutral","sentiment_score":0.23805111174782118},{"text":"So, yeah,","start":258.34,"end":259.14,"sentiment":"neutral","sentiment_score":0.10768048837780952}],"sentiment":"neutral","sentiment_score":0.22990294778719544,"channel":0,"num_words":32,"start":251.54001,"end":259.14},{"sentences":[{"text":"Mhmm.","start":258.9,"end":259.4,"sentiment":"neutral","sentiment_score":0.07615359127521515}],"sentiment":"neutral","sentiment_score":0.07615359127521515,"channel":1,"num_words":1,"start":258.9,"end":259.4},{"sentences":[{"text":"in short","start":259.14,"end":259.7,"sentiment":"neutral","sentiment_score":0.04414601996541023}],"sentiment":"neutral","sentiment_score":0.04414601996541023,"channel":0,"num_words":2,"start":259.14,"end":259.7},{"sentences":[{"text":"Yep.","start":259.46,"end":259.96,"sentiment":"neutral","sentiment_score":0.05167924985289574}],"sentiment":"neutral","sentiment_score":0.05167924985289574,"channel":1,"num_words":1,"start":259.46,"end":259.96},{"sentences":[{"text":"there, we're recommending retaining that hub twenty four 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your total savings, you just didn't disclose what you actually have jointly with your partner, so it's just an undisclosed amount, which is fine, and then just the the house and the mortgage value there.","start":279.32,"end":289.725,"sentiment":"neutral","sentiment_score":0.05339493965239901}],"sentiment":"neutral","sentiment_score":0.05242929988084955,"channel":0,"num_words":47,"start":276.6,"end":289.725},{"sentences":[{"text":"Mhmm.","start":289.95,"end":290.43,"sentiment":"neutral","sentiment_score":0.03615681827068329}],"sentiment":"neutral","sentiment_score":0.03615681827068329,"channel":1,"num_words":1,"start":289.95,"end":290.43},{"sentences":[{"text":"Now","start":290.36502,"end":290.86502,"sentiment":"neutral","sentiment_score":0.04911245405673981}],"sentiment":"neutral","sentiment_score":0.04911245405673981,"channel":0,"num_words":1,"start":290.36502,"end":290.86502},{"sentences":[{"text":"Mhmm.","start":290.43,"end":290.68,"sentiment":"neutral","sentiment_score":0.04370838403701782},{"text":"Yep.","start":290.68,"end":291.18,"sentiment":"neutral","sentiment_score":0.04554009437561035}],"sentiment":"neutral","sentiment_score":0.04462423920631409,"channel":1,"num_words":2,"start":290.43,"end":291.18},{"sentences":[{"text":"in regards to your insurances there, on page nine, you will see the life and TBD amount that you are covered for.","start":291.48502,"end":296.70502,"sentiment":"neutral","sentiment_score":0.05639048911292444},{"text":"As far as the risk profile there, we're just saying with the growth portfolio.","start":296.845,"end":301.185,"sentiment":"neutral","sentiment_score":0.002360766687031303},{"text":"So when we did that risk profile, you still came out as a growth investor, that eighty twenty split of growth versus defensive assets.","start":301.245,"end":307.16998,"sentiment":"neutral","sentiment_score":0.02465122410406669}],"sentiment":"neutral","sentiment_score":0.031087847876672944,"channel":0,"num_words":60,"start":291.48502,"end":307.16998},{"sentences":[{"text":"Mhmm.","start":307.26,"end":307.76,"sentiment":"neutral","sentiment_score":0.05781394988298416}],"sentiment":"neutral","sentiment_score":0.05781394988298416,"channel":1,"num_words":1,"start":307.26,"end":307.76},{"sentences":[{"text":"And we're just trying to keep you in line with that even with the update.","start":307.47,"end":310.43,"sentiment":"neutral","sentiment_score":0.15234924306472142},{"text":"But do you have any questions in regards to the growth portfolio or anything in regards to 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gain consequence as well, whereas you're happy with your your portfolio is performing largely quite well.","start":513.245,"end":529.92,"sentiment":"neutral","sentiment_score":0.04930147664764753},{"text":"And this","start":529.98,"end":530.46,"sentiment":"neutral","sentiment_score":0.11455006524920464}],"sentiment":"neutral","sentiment_score":0.015887826148952757,"channel":0,"num_words":63,"start":510.16,"end":530.46},{"sentences":[{"text":"Yep.","start":530.395,"end":530.895,"sentiment":"neutral","sentiment_score":0.11077597737312316}],"sentiment":"neutral","sentiment_score":0.11077597737312316,"channel":1,"num_words":1,"start":530.395,"end":530.895},{"sentences":[{"text":"just rebalances, removes those underperforming asset, and then just gets rid of the asset that will eventually be phased out anyway and then just gets you back on on track to, hopefully, some sustained long term 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recommendation","start":546.10504,"end":548.445,"sentiment":"neutral","sentiment_score":0.09695378467440605}],"sentiment":"neutral","sentiment_score":0.10962393405762585,"channel":0,"num_words":11,"start":545.22504,"end":548.445},{"sentences":[{"text":"It's","start":548.265,"end":548.765,"sentiment":"neutral","sentiment_score":0.063235804438591}],"sentiment":"neutral","sentiment_score":0.063235804438591,"channel":1,"num_words":1,"start":548.265,"end":548.765},{"sentences":[{"text":"at all?","start":548.585,"end":549.245,"sentiment":"neutral","sentiment_score":0.06713490188121796},{"text":"Yep.","start":551.705,"end":551.945,"sentiment":"neutral","sentiment_score":0.06974700093269348},{"text":"Obviously, with the change, you will pay a little bit in brokerage and then, like, a little bit","start":551.945,"end":556.02,"sentiment":"neutral","sentiment_score":0.06952789839771059}],"sentiment":"neutral","sentiment_score":0.06931042742161524,"channel":0,"num_words":21,"start":548.585,"end":556.02},{"sentences":[{"text":"fine.","start":556.2525,"end":556.7525,"sentiment":"neutral","sentiment_score":0.09865275025367735}],"sentiment":"neutral","sentiment_score":0.09865275025367735,"channel":1,"num_words":1,"start":556.2525,"end":556.7525},{"sentences":[{"text":"with the the buying and the selling of the assets.","start":557.14,"end":559.06,"sentiment":"neutral","sentiment_score":0.0428682204335928},{"text":"As far as the CGT, you can see removing mainly the underperforming assets.","start":559.06,"end":563.06,"sentiment":"neutral","sentiment_score":-0.04503415267054851},{"text":"Any losses will be carried forward for future gains, and then you'll be saving on investment fees.","start":563.06,"end":568.26,"sentiment":"neutral","sentiment_score":0.23083524844225714},{"text":"And then with that, if your portfolio does perform better, the advice fee will go up, and that's just based on projected growth.","start":568.26,"end":574.47504,"sentiment":"positive","sentiment_score":0.42404248209103296},{"text":"The portfolio is recommended to do better without that underperforming asset as well.","start":574.85504,"end":579.195,"sentiment":"neutral","sentiment_score":0.0784563456590359}],"sentiment":"neutral","sentiment_score":0.19132035558945254,"channel":0,"num_words":76,"start":557.14,"end":579.195},{"sentences":[{"text":"That's why that all goes up, but that's just based on the five year or three year rolling averages.","start":579.895,"end":584.29504,"sentiment":"neutral","sentiment_score":0.10317379824425045},{"text":"Sorry.","start":584.29504,"end":584.61505,"sentiment":"neutral","sentiment_score":-0.07252144813537598},{"text":"Just based on the what's 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that's because gold is considered a totally alternative growth asset.","start":616.76996,"end":621.43,"sentiment":"neutral","sentiment_score":0.1782232362490434},{"text":"And it can act as defensive, like, what you see, like, with wars that have been occurring in the past few years and things like that.","start":621.88995,"end":627.345,"sentiment":"neutral","sentiment_score":0.10340538721245068},{"text":"Gold has, like, got a lot of capital growth as well, which is why it's been considered that.","start":627.345,"end":631.745,"sentiment":"neutral","sentiment_score":0.16255134592453638}],"sentiment":"neutral","sentiment_score":0.16648866256456013,"channel":0,"num_words":92,"start":605.71497,"end":631.745},{"sentences":[{"text":"But in saying that, it can be quite defensive in nature that it does hold value.","start":631.745,"end":635.285,"sentiment":"neutral","sentiment_score":0.13927264814265072},{"text":"It is a bit cyclical when things go 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all consider contribute to growth even if the war continues, then the growth is a little bit more stagnant for the next twelve months.","start":739.11,"end":746.81,"sentiment":"neutral","sentiment_score":-0.047620316435183795},{"text":"But in saying that as well, the salary sacrifice arrangement is that $100 per week.","start":750.11505,"end":755.41504,"sentiment":"neutral","sentiment_score":0.12837091386318206},{"text":"Then the appendix there as well, you can see what $50 a week would look like in terms of contributing to super and, like, a a value with that, just to your reference.","start":755.555,"end":765.00995,"sentiment":"neutral","sentiment_score":0.19535158123030807},{"text":"Because on page 21 of the SOA, you can see what that looks 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things like that there as well that, you know, in the long term, they might sort of have impact on those retirement goals.","start":898.01,"end":904.57,"sentiment":"neutral","sentiment_score":-0.028939120404954468},{"text":"So that aren't, like, guaranteed, but it is guaranteed that you're putting more money in early.","start":904.57,"end":908.43,"sentiment":"neutral","sentiment_score":0.16113303159363568},{"text":"You're getting that compounding.","start":908.73,"end":909.95,"sentiment":"neutral","sentiment_score":0.24804167076945305},{"text":"And then even with the dips, you do have enough time to retirement that you're getting that money invested now and then writing out those over the next sort of twenty 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there.","start":1228.935,"end":1231.435,"sentiment":"neutral","sentiment_score":0.16755461543798447},{"text":"And then","start":1231.655,"end":1232.3151,"sentiment":"neutral","sentiment_score":0.15108614414930344}],"sentiment":"neutral","sentiment_score":0.16480987022320429,"channel":0,"num_words":12,"start":1228.935,"end":1232.3151},{"sentences":[{"text":"Alright.","start":1231.8999,"end":1232.3999,"sentiment":"positive","sentiment_score":0.3334088921546936},{"text":"Great.","start":1232.46,"end":1232.96,"sentiment":"positive","sentiment_score":0.7901022434234619}],"sentiment":"positive","sentiment_score":0.5617555677890778,"channel":1,"num_words":2,"start":1231.8999,"end":1232.96},{"sentences":[{"text":"happy days.","start":1232.535,"end":1233.175,"sentiment":"positive","sentiment_score":0.7463473379611969},{"text":"There's not sort of an issue of it getting lost in the mail or in transit there, which is fine.","start":1233.175,"end":1237.66,"sentiment":"neutral","sentiment_score":-0.1183655671775341}],"sentiment":"neutral","sentiment_score":-0.0397553030740131,"channel":0,"num_words":22,"start":1232.535,"end":1237.66},{"sentences":[{"text":"Alright.","start":1238.46,"end":1238.7799,"sentiment":"neutral","sentiment_score":0.1883933991193771}],"sentiment":"neutral","sentiment_score":0.1883933991193771,"channel":1,"num_words":1,"start":1238.46,"end":1238.7799},{"sentences":[{"text":"But","start":1238.6,"end":1238.84,"sentiment":"neutral","sentiment_score":0.22685286402702332}],"sentiment":"neutral","sentiment_score":0.22685286402702332,"channel":0,"num_words":1,"start":1238.6,"end":1238.84},{"sentences":[{"text":"Good.","start":1238.7799,"end":1239.2799,"sentiment":"positive","sentiment_score":0.3475404977798462}],"sentiment":"positive","sentiment_score":0.3475404977798462,"channel":1,"num_words":1,"start":1238.7799,"end":1239.2799},{"sentences":[{"text":"do you have any questions in regards to that at all, Kendall?","start":1238.84,"end":1241.24,"sentiment":"neutral","sentiment_score":0.13657197449356318},{"text":"Does that all pretty much make sense?","start":1241.24,"end":1243.02,"sentiment":"neutral","sentiment_score":0.11169723102024623}],"sentiment":"neutral","sentiment_score":0.12740759531918325,"channel":0,"num_words":19,"start":1238.84,"end":1243.02},{"sentences":[{"text":"No.","start":1243.135,"end":1243.375,"sentiment":"neutral","sentiment_score":-0.004471257328987122},{"text":"That would make sense.","start":1243.375,"end":1244.175,"sentiment":"neutral","sentiment_score":0.09117700904607773},{"text":"Thank you.","start":1244.175,"end":1244.835,"sentiment":"positive","sentiment_score":0.4698507934808731}],"sentiment":"neutral","sentiment_score":0.18570548083101,"channel":1,"num_words":7,"start":1243.135,"end":1244.835},{"sentences":[{"text":"Not a problem at all.","start":1245.16,"end":1245.96,"sentiment":"neutral","sentiment_score":0.2583505481481552},{"text":"As I said, there is the appendix there.","start":1245.96,"end":1247.56,"sentiment":"neutral","sentiment_score":0.14865817502141},{"text":"It's quite straightforward given the advice that just shows the alternative for that value sacrifice.","start":1247.56,"end":1251.875,"sentiment":"neutral","sentiment_score":0.22459991574287413},{"text":"You do have the list of investments there as well if you do wanna have a little squeeze and see what the changes were and what was being recommended.","start":1252.255,"end":1258.675,"sentiment":"neutral","sentiment_score":0.16997043993966332},{"text":"But other","start":1259.135,"end":1259.535,"sentiment":"neutral","sentiment_score":0.05410709045827389}],"sentiment":"neutral","sentiment_score":0.18453175959698223,"channel":0,"num_words":59,"start":1245.16,"end":1259.535},{"sentences":[{"text":"Yes.","start":1259.31,"end":1259.81,"sentiment":"neutral","sentiment_score":0.06968635320663452}],"sentiment":"neutral","sentiment_score":0.06968635320663452,"channel":1,"num_words":1,"start":1259.31,"end":1259.81},{"sentences":[{"text":"than that, quite a straightforward advice piece with the investment switch and the salary sacrifice arrangement.","start":1259.535,"end":1264.3201,"sentiment":"neutral","sentiment_score":0.1686842313501984}],"sentiment":"neutral","sentiment_score":0.1686842313501984,"channel":0,"num_words":16,"start":1259.535,"end":1264.3201},{"sentences":[{"text":"Yes.","start":1265.23,"end":1265.55,"sentiment":"neutral","sentiment_score":0.11063111573457718},{"text":"Okay.","start":1265.55,"end":1266.05,"sentiment":"neutral","sentiment_score":0.1587909609079361}],"sentiment":"neutral","sentiment_score":0.13471103832125664,"channel":1,"num_words":2,"start":1265.23,"end":1266.05},{"sentences":[{"text":"Not a problem at all.","start":1267.42,"end":1268.2201,"sentiment":"neutral","sentiment_score":0.306122875213623},{"text":"Well, if you were to have that, you could go ahead and sign.","start":1268.2201,"end":1270.2201,"sentiment":"neutral","sentiment_score":0.1989341309437385},{"text":"If you want a second to read through it, you've got more enough time to be able to read through that.","start":1270.2201,"end":1274.4601,"sentiment":"neutral","sentiment_score":0.13401490840173902},{"text":"It's valid for thirty days without confirming details, another thirty after that.","start":1274.4601,"end":1278.435,"sentiment":"neutral","sentiment_score":0.14250720478594303},{"text":"So you've got plenty of time if you wanna do.","start":1278.915,"end":1280.755,"sentiment":"neutral","sentiment_score":0.2730447605252266}],"sentiment":"neutral","sentiment_score":0.18641975766322652,"channel":0,"num_words":61,"start":1267.42,"end":1280.755},{"sentences":[{"text":"Just have a read through it, make sure you were happy with everything, and then go ahead and sign it.","start":1280.755,"end":1283.9551,"sentiment":"neutral","sentiment_score":0.2567457859404385},{"text":"Or you could just go ahead and and sign it there, and they'll get that sort of on the role and implemented when, I believe, they're away this week for the person responsible, but possibly next week.","start":1283.9551,"end":1293.415,"sentiment":"neutral","sentiment_score":-0.024832065091342538}],"sentiment":"neutral","sentiment_score":0.07396718088472098,"channel":0,"num_words":57,"start":1280.755,"end":1293.415},{"sentences":[{"text":"Okay.","start":1294.1599,"end":1294.48,"sentiment":"neutral","sentiment_score":0.17700880765914917},{"text":"Appreciate it.","start":1294.48,"end":1295.0399,"sentiment":"positive","sentiment_score":0.632750540971756},{"text":"Thank you.","start":1295.0399,"end":1295.6799,"sentiment":"positive","sentiment_score":0.6236547529697418},{"text":"No.","start":1295.6799,"end":1295.84,"sentiment":"neutral","sentiment_score":0.015569578856229782},{"text":"That's all","start":1295.84,"end":1296.32,"sentiment":"neutral","sentiment_score":0.06138268858194351}],"sentiment":"positive","sentiment_score":0.3535192939452827,"channel":1,"num_words":8,"start":1294.1599,"end":1296.32},{"sentences":[{"text":"No problem,","start":1296.13,"end":1296.61,"sentiment":"neutral","sentiment_score":0.1833532713353634}],"sentiment":"neutral","sentiment_score":0.1833532713353634,"channel":0,"num_words":2,"start":1296.13,"end":1296.61},{"sentences":[{"text":"done.","start":1296.32,"end":1296.795,"sentiment":"positive","sentiment_score":0.351993203163147}],"sentiment":"positive","sentiment_score":0.351993203163147,"channel":1,"num_words":1,"start":1296.32,"end":1296.795},{"sentences":[{"text":"Kendall.","start":1296.61,"end":1297.11,"sentiment":"neutral","sentiment_score":0.315517783164978},{"text":"Brilliant.","start":1297.4099,"end":1297.9099,"sentiment":"positive","sentiment_score":0.7389363050460815},{"text":"If you had any other questions, feel free to reach out.","start":1298.2899,"end":1300.5299,"sentiment":"neutral","sentiment_score":0.26467936689203436},{"text":"Otherwise, I'll let you get back to your afternoon.","start":1300.5299,"end":1301.8099,"sentiment":"neutral","sentiment_score":0.25194941461086273},{"text":"I won't take up any more time.","start":1301.8099,"end":1303.323,"sentiment":"neutral","sentiment_score":-0.026095245565686907}],"sentiment":"neutral","sentiment_score":0.20864845298487564,"channel":0,"num_words":29,"start":1296.61,"end":1303.323},{"sentences":[{"text":"Alright.","start":1303.435,"end":1303.675,"sentiment":"positive","sentiment_score":0.5258952975273132},{"text":"I really appreciate it.","start":1303.675,"end":1304.4751,"sentiment":"positive","sentiment_score":0.7958177030086517},{"text":"Thank you, Paul.","start":1304.4751,"end":1305.295,"sentiment":"positive","sentiment_score":0.7515188058217367}],"sentiment":"positive","sentiment_score":0.7454653158783913,"channel":1,"num_words":8,"start":1303.435,"end":1305.295},{"sentences":[{"text":"No problems, Kendall.","start":1305.403,"end":1306.283,"sentiment":"positive","sentiment_score":0.6303001244862875},{"text":"Enjoy the rest of your day.","start":1306.283,"end":1307.503,"sentiment":"positive","sentiment_score":0.7681719760100046}],"sentiment":"positive","sentiment_score":0.7222146921687655,"channel":0,"num_words":9,"start":1305.403,"end":1307.503},{"sentences":[{"text":"You too.","start":1307.5951,"end":1307.995,"sentiment":"positive","sentiment_score":0.5295685827732086},{"text":"Thank you.","start":1307.995,"end":1308.735,"sentiment":"positive","sentiment_score":0.7188066840171814}],"sentiment":"positive","sentiment_score":0.624187633395195,"channel":1,"num_words":4,"start":1307.5951,"end":1308.735},{"sentences":[{"text":"Cheers.","start":1308.763,"end":1309.083,"sentiment":"positive","sentiment_score":0.6472948789596558},{"text":"Bye.","start":1309.083,"end":1309.583,"sentiment":"positive","sentiment_score":0.36365506052970886}],"sentiment":"positive","sentiment_score":0.5054749697446823,"channel":0,"num_words":2,"start":1308.763,"end":1309.583},{"sentences":[{"text":"Bye.","start":1310.0751,"end":1310.5751,"sentiment":"neutral","sentiment_score":-0.10931388288736343}],"sentiment":"neutral","sentiment_score":-0.10931388288736343,"channel":1,"num_words":1,"start":1310.0751,"end":1310.5751}]},"summary":{"result":"success","short":"Representatives from OPU Financial and an insurance company discuss the retirement savings and estate planning of the customer, including his employment, occupation, and property. They recommend maintaining a low level of investment and reducing risk levels while maintaining a low level of investment. The speaker also emphasizes the benefits of investing in gold and potential growth in the future. The retirement plan is recommended for those with a spouse who may benefit from it, and beneficiary nominations and power of attorney are discussed. The agent explains the risks of a potential dip in retirement goals and the need for a power of attorney for insurance policies. The beneficiary nomination process is up to the insurer to determine whether to sign or switch their underlying investments."},"intents":{"segments":[{"text":"I just scheduled in to go over Yep. your statement advice this afternoon. Is that still a good time for you? Yes. Yes, please.","start_word":31,"end_word":54,"intents":[{"intent":"Schedule statement advice","confidence_score":0.080601834}]},{"text":"I know you had the will set up recently, and then you're pretty sure you have the power of attorney that should be your wife.","start_word":339,"end_word":363,"intents":[{"intent":"Confirm power of attorney","confidence_score":0.18417569}]},{"text":"I I thought I thought I had that okay. That's fine.","start_word":404,"end_word":414,"intents":[{"intent":"Request clarification","confidence_score":0.0042776475}]},{"text":"I'll just have a I'll just double check forms and everything and make sure it wasn't K.","start_word":423,"end_word":439,"intents":[{"intent":"Confirm form","confidence_score":0.013638231}]},{"text":"And then if you did wanna make any adjustments to the advice, then that's where you'd sort of put in on what you wanna accept and what you've done if you were signing it.","start_word":499,"end_word":532,"intents":[{"intent":"Make recommendations","confidence_score":0.0014192042}]},{"text":"and then the beneficiary nominations and then just ensure that because I noticed the power of attorney, you weren't too sure ensure that you do have that will and power of attorney just as a reminder.","start_word":614,"end_word":649,"intents":[{"intent":"Confirm details","confidence_score":0.008429623}]},{"text":"In regards to the document was created for yourself, the finalize on the thirty first of of March there.","start_word":650,"end_word":668,"intents":[{"intent":"Finalize document","confidence_score":0.07263892}]},{"text":"In regards to best interest, that's just basically saying if we can't put you in a better position, we won't recommend it.","start_word":696,"end_word":717,"intents":[{"intent":"Recommend prudent investments","confidence_score":0.0016578096}]},{"text":"And then as far as the considered advice, it's just in regards to reviewing the superannuation, make sure those investments are adequate moving forward just with how Benelon has performed in the the portfolio as a whole, just reviewing that.","start_word":742,"end_word":781,"intents":[{"intent":"Review investment portfolio","confidence_score":0.0017188544}]},{"text":"In regards to that as well, just the estate planning side of things, making sure those beneficiaries do get done.","start_word":782,"end_word":801,"intents":[{"intent":"Discuss estate planning","confidence_score":0.14922884}]},{"text":"In regards to your total savings, you just didn't disclose what you actually have jointly with your partner, so it's just an undisclosed amount, which is fine, and then just the the house and the mortgage value there. Mhmm.","start_word":896,"end_word":934,"intents":[{"intent":"Check funds","confidence_score":0.0000050765575},{"intent":"Clarify savings","confidence_score":0.013582207}]},{"text":"And we're just trying to keep you in line with that even with the update. But do you have any questions in regards to the growth portfolio or anything in regards to that?","start_word":999,"end_word":1031,"intents":[{"intent":"Update portfolio","confidence_score":0.008161339}]},{"text":"Basically, just to refresh the portfolio, update it, and making sure it's moving forward is in your best interest there.","start_word":1067,"end_word":1086,"intents":[{"intent":"Refresh portfolio","confidence_score":0.10532596}]},{"text":"So within regards to that one there, we consider the CGT implications of that in the core of your portfolio the same.","start_word":1086,"end_word":1107,"intents":[{"intent":"Consider cgt implications","confidence_score":0.81234825}]},{"text":"We're just trying to get you in a bit of a better position over the next five to ten years. Yep.","start_word":1127,"end_word":1147,"intents":[{"intent":"Ensure better position","confidence_score":0.00021971582}]},{"text":"And then with the recommended portfolio there, you'll be reducing your ongoing investment fees with that one, which has more money invested over time, which helps sort of capitalize on on growth there. You'll be reducing your level of risk that you do hold on that, and it will enhance the level of sort of diversification you currently have in your portfolio between those those funds that are recommended. So Okay.","start_word":1148,"end_word":1218,"intents":[{"intent":"Reduce investment fees","confidence_score":0.80112505},{"intent":"Maximize growth","confidence_score":0.2461154}]},{"text":"as far as the disadvantages there, there's always a chance that, like, the portfolio doesn't perform in regards to how it has performed previously on the recommendations performing. So it's just past in Mhmm. our performance is not indicative of future performance. Yep.","start_word":1219,"end_word":1261,"intents":[{"intent":"Highlight performance improvements","confidence_score":5.7404156e-7}]},{"text":"So you will have slightly more allocation to growth assets, but then it will also reduce the level of active component you have with managed funds by removing that Benelon fund there as well.","start_word":1326,"end_word":1359,"intents":[{"intent":"Remove benelon fund from portfolio","confidence_score":0.00018999436}]},{"text":"still maintain your ClearBridge rare infrastructure fund, which will help sort of aim to outperform outperform the market and get you that little bit of alpha generation of trying to do better than what the markets are doing themselves. They're also Okay.","start_word":1363,"end_word":1404,"intents":[{"intent":"Maintain infrastructure fund","confidence_score":0.47006384}]},{"text":"And then with that, it helps minimize the CGT gain because we are maintaining a lot of the core of your portfolio and just changing a few of those satellite investments and then just rebalancing in line with what the portfolio was originally just to help with crystallizing some of those gains and spreading that across to be a little bit more diversified across the different investments. Yes. Perfect.","start_word":1440,"end_word":1508,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.06628293}]},{"text":"Obviously, with that, when changing the investments, there's some portions that will be sold down to cash.","start_word":1508,"end_word":1524,"intents":[{"intent":"Selling investments","confidence_score":0.12554269}]},{"text":"Obviously, with the change, you will pay a little bit in brokerage and then, like, a little bit fine. with the the buying and the selling of the assets.","start_word":1790,"end_word":1818,"intents":[{"intent":"Selling assets","confidence_score":0.012882506},{"intent":"Selling assets","confidence_score":0.05164823}]},{"text":"And then with that, if your portfolio does perform better, the advice fee will go up, and that's just based on projected growth.","start_word":1849,"end_word":1871,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.27373394}]},{"text":"But do you have any other questions in regards to the portfolio, the splits, or the allocations there at all?","start_word":2215,"end_word":2234,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.0730998}]},{"text":"But with that, given your current circumstances there, given that you don't wanna sort of look at the moment in terms of doing any sort of outside super investment and just getting that super growing to have a little bit more compounding at least while you've got that savings per week that you're not really doing too much with at the moment, you can forego.","start_word":2662,"end_word":2726,"intents":[{"intent":"Explain pillars of super investment","confidence_score":0.0000037803902}]},{"text":"You can look at sort of bolstering up your super now, lowering your effective tax rate outside of that, and then basically, you know, getting a bit of a head start on that compounding effect with your super contributions versus trying to chase it up later sort of towards your late fifties.","start_word":2727,"end_word":2778,"intents":[{"intent":"Encourage bolstering super investments","confidence_score":0.00045719545}]},{"text":"By doing that, you obviously lean towards creating that future retirement fund and helping sort of bolster that up. In addition to that one, it will, like, lower your effectual like, effective tax rate from a 115 down to a 109,000 for what you're paying tax on there as well. Yep.","start_word":2783,"end_word":2833,"intents":[{"intent":"Encourage future retirement fund creation","confidence_score":0.004462756}]},{"text":"And then you can see that cost savings difference of what you're paying inside versus outside to Mhmm. help get those retirement goals a little bit closer in reach and having that money put aside.","start_word":2834,"end_word":2868,"intents":[{"intent":"Discuss potential savings","confidence_score":0.0009854794}]},{"text":"And then you can see that cost savings difference of what you're paying inside versus outside to Mhmm. help get those retirement goals a little bit closer in reach and having that money put aside. Obviously, the disadvantages of that, you are locking that money as way. You can't touch it until you sort of meet a condition of release.","start_word":2834,"end_word":2893,"intents":[{"intent":"Set aside funds","confidence_score":0.00001436941}]},{"text":"And then with that, obviously, it's cash flow dependent. You can stop at any time if you let your employer know type deal, so Yep. that's more than fine. It's just the money you have put in or would be putting in that's locked away. Yeah.","start_word":2895,"end_word":2940,"intents":[{"intent":"Discuss cash flow limit","confidence_score":0.00037815847}]},{"text":"Okay. Fantastic.","start_word":3051,"end_word":3052,"intents":[{"intent":"Apologize for split","confidence_score":0.000011984447}]},{"text":"We did also consider just the $50 per week, but given Yeah.","start_word":3060,"end_word":3071,"intents":[{"intent":"Recommend $100 per week","confidence_score":0.2850391},{"intent":"Confirm preference for 20%","confidence_score":0.00001198754}]},{"text":"In regards to beneficiary nominations, I know sort of it with your partner, that is the the main person there that you have at the moment. So we are recommending that you just leave it a 100% to your Yes. spouse.","start_word":3171,"end_word":3211,"intents":[{"intent":"Share information about beneficiary nominations","confidence_score":0.00038239924}]},{"text":"through your spouse, it just means they get it. There's no sort of if, then, or buts. It's very rare that it's contested Yep. being contested Yep. Good. successfully. And then with that, you'll have that peace of mind that the person you want to get it, then they will receive it. Yep.","start_word":3347,"end_word":3399,"intents":[{"intent":"Ensure spouse receives assistance","confidence_score":0.0006485123}]},{"text":"And then within regards to disadvantages there, obviously, it does go to that one person, and you may sort of wanna split it, which Mhmm.","start_word":3399,"end_word":3423,"intents":[{"intent":"Understand split process","confidence_score":0.0062838215}]},{"text":"And the the taxes are a little bit different going to a will versus a dependent, which is your spouse, so 100% tax free, Yep. which is nice. Okay.","start_word":3498,"end_word":3526,"intents":[{"intent":"Discuss tax benefits","confidence_score":0.01979867}]},{"text":"And then with that, there is a section there to make sure you do have that established will and a power of attorney attached to that, which I know you're pretty certain on the will.","start_word":3527,"end_word":3561,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.3640254}]},{"text":"On page 32 there, you will see the remuneration. So within regards to that, the fee remains at the 1.65%. And then Yep.","start_word":3617,"end_word":3639,"intents":[{"intent":"Identify remuneration","confidence_score":0.0005542982}]},{"text":"the the premium for for Tal, we do get 22% commission for holding the policy with Tal. That's not an, like, payment you pay to us.","start_word":3640,"end_word":3665,"intents":[{"intent":"Discuss policy premium","confidence_score":0.06942584}]},{"text":"Let's see if it did get sent out. Believe after the last time we spoke, I made a note of it, but I don't believe anyone sent it there to you at the moment. So I'll make a note of it, and I'll get them to to send Yeah. that out If to if you. it could, it's just blowing us. Oh. Yeah.","start_word":3900,"end_word":3962,"intents":[{"intent":"Provide confirmation","confidence_score":0.00010992211}]},{"text":"I I can do planning or I can do execution. I can do so, apparently.","start_word":4093,"end_word":4107,"intents":[{"intent":"Plan and execute","confidence_score":0.057189375}]},{"text":"But, yeah, I'll get them to dial those forms out to you to your address, and you expect Mhmm. those sort of in the next week or so. Okay.","start_word":4109,"end_word":4137,"intents":[{"intent":"Receive forms","confidence_score":0.022374254}]},{"text":"And then you can take even a photo of that and email them back through as long as it's clear, and you can even keep a copy Oh, really?","start_word":4169,"end_word":4197,"intents":[{"intent":"Share photos","confidence_score":0.0019094228}]},{"text":"Not a problem at all. As I said, there is the appendix there. It's quite straightforward given the advice that just shows the alternative for that value sacrifice. You do have the list of investments there as well if you do wanna have a little squeeze and see what the changes were and what was being recommended. But other Yes.","start_word":4284,"end_word":4343,"intents":[{"intent":"Discuss investments","confidence_score":0.11900248}]},{"text":"Not a problem at all. Well, if you were to have that, you could go ahead and sign. If you want a second to read through it, you've got more enough time to be able to read through that. It's valid for thirty days without confirming details, another thirty after that.","start_word":4362,"end_word":4412,"intents":[{"intent":"Confirm details","confidence_score":0.15366352}]}]},"sentiments":{"segments":[{"text":"Good day.","start_word":0,"end_word":1,"sentiment":"positive","sentiment_score":0.457338809967041},{"text":"It's Kendall.","start_word":2,"end_word":3,"sentiment":"neutral","sentiment_score":0.24405136704444885},{"text":"Good afternoon, Kendall.","start_word":4,"end_word":6,"sentiment":"positive","sentiment_score":0.4447990953922272},{"text":"It's Carl calling from OPU Financial. How are you today? Jacob.","start_word":7,"end_word":17,"sentiment":"neutral","sentiment_score":0.297018826007843},{"text":"Thanks for calling. Yourself?","start_word":18,"end_word":21,"sentiment":"positive","sentiment_score":0.4375708997249603},{"text":"Yeah. Not too bad at all.","start_word":22,"end_word":27,"sentiment":"neutral","sentiment_score":0.28431352972984314},{"text":"Thanks for asking.","start_word":28,"end_word":30,"sentiment":"positive","sentiment_score":0.6017696857452393},{"text":"I just scheduled in to go over Yep. your statement advice this afternoon. Is that still a good time for you? Yes. Yes, please.","start_word":31,"end_word":54,"sentiment":"neutral","sentiment_score":0.2877175509929657},{"text":"Perfect.","start_word":55,"end_word":55,"sentiment":"positive","sentiment_score":0.6684395670890808},{"text":"Just to get started on that one, Kendall, if I could just pass you through security with that name, date of birth, and current address, we'll get started on that one, sir. Yep. Yep. Kendall John Williams. Fourteen zero two nineteen eighty three. Eighty two Emperor Parade, Chisholm, New South Wales, two three two two.","start_word":56,"end_word":110,"sentiment":"neutral","sentiment_score":0.1813947707414627},{"text":"Perfect. Thank you for that one.","start_word":111,"end_word":116,"sentiment":"positive","sentiment_score":0.5668174028396606},{"text":"And then just given that it was just a bit over a month there since we last sort of spoke, can I just confirm that nothing in relation to, like, your occupation, job, or anything like that has No. changed? Nothing's changed. Perfect. Mhmm.","start_word":117,"end_word":160,"sentiment":"neutral","sentiment_score":0.014008226804435251},{"text":"Brilliant.","start_word":161,"end_word":161,"sentiment":"positive","sentiment_score":0.3998693823814392},{"text":"And I definitely know these calls are recorded for quality and training purposes there as well, Kendall. Okay. But in saying that there, I will be sending out an audio sign with the documents there to your email @Kendall.Williams83atGmail.com. Is that still correct? That's correct. Yep.","start_word":162,"end_word":207,"sentiment":"neutral","sentiment_score":0.07723038643598557},{"text":"Perfect.","start_word":208,"end_word":208,"sentiment":"positive","sentiment_score":0.3555510640144348},{"text":"So that will be there with you shortly. And then with that, you'll have your statement advice and the appendix to that one. Now it is quite a straightforward advice piece just based on the fact that we're mainly just looking at the superannuation side of things and those investments Mhmm. and then just the estate planning just because you just don't have that valid nomination, I believe it was. Let me just double check that Not one. really. Let me just double check. There's just loading up. There is that email come through there just while I'm checking that one? Not yet. Alright. Here we go. Yep. Checking those nominations. Yeah. The the nomination on both your your hub 24 and your your towel just haven't been completed. I know you had the will set up recently, and then you're pretty sure you have the power of attorney that should be your wife. But just for in regards to beneficiary Yep. side of things, just because they're a non estate asset, they do have to be done separately. And I think we've recently sent you a copy there as well. Okay.","start_word":209,"end_word":400,"sentiment":"neutral","sentiment_score":0.006563528731931001},{"text":"That's fine.","start_word":401,"end_word":402,"sentiment":"positive","sentiment_score":0.3460673689842224},{"text":"Yeah. I I thought I thought I had that okay.","start_word":403,"end_word":412,"sentiment":"neutral","sentiment_score":0.1459992378950119},{"text":"That's fine.","start_word":413,"end_word":414,"sentiment":"positive","sentiment_score":0.3858097493648529},{"text":"Let's do it again. Yep.","start_word":415,"end_word":419,"sentiment":"neutral","sentiment_score":0.2467631846666336},{"text":"Not a problem.","start_word":420,"end_word":422,"sentiment":"positive","sentiment_score":0.3362192213535309},{"text":"I'll just have a I'll just double check forms and everything and make sure it wasn't K. So I'm just checking this form now. I'm just on page end of page 34. It's actually assigned. There is a textbook which says text. So I can have to do on that? That's in regards to if you, like, made any adjustments. So I'll run through the advice there with you and make Okay. sure you understand everything. And then if you did wanna make any adjustments to the advice, then that's where you'd sort of put in on what you wanna accept and what you've done if you were signing it. Obviously, you don't accept any of it. You just Mhmm. don't have to sign it. And, obviously, if you just wanna accept parts or nothing at all, obviously, it's quite straightforward in the sense that we're basically just recommending that you maintain your current hub 24 and change Mhmm. those underlying investments. And then we just put in the salary sacrifice there for you as well because, you know, you're thinking about the 50 or a 100 there That's right. Yep. and then the beneficiary nominations and then just ensure that because I noticed the power of attorney, you weren't too sure ensure that you do have that will and power of attorney just as a reminder. In regards to the document was created for yourself, the finalize on the thirty first of of March there. In regards to that one as well, it was prepared by myself as an authorized representative under Oakview Financial and the team here there as well.","start_word":423,"end_word":694,"sentiment":"neutral","sentiment_score":0.09017107635736464},{"text":"In regards to best interest, that's just basically saying if we can't put you in a better position, we won't recommend it.","start_word":695,"end_word":716,"sentiment":"negative","sentiment_score":-0.34891587495803833},{"text":"That's sort of the the Mhmm. Yep. goal when we make recommendations.","start_word":717,"end_word":728,"sentiment":"neutral","sentiment_score":-0.16388869285583496},{"text":"We don't wanna sort of make recommendations. It's gonna make you worse off.","start_word":729,"end_word":741,"sentiment":"negative","sentiment_score":-0.4624292254447937},{"text":"And then as far as the considered advice, it's just in regards to reviewing the superannuation, make sure those investments are adequate moving forward just with how Benelon has performed in the the portfolio as a whole, just reviewing that. In regards to that as well, just the estate planning side of things, making sure those beneficiaries do get done. I know in regards to the insurances, you are happy with what you did have and then the amount that it did covered, so that's scoped out there as well. So, yeah, Mhmm. in short Yep. there, we're recommending retaining that hub twenty four just because it's still competitive retail product, changing those underlying investments, starting the salary sacrifice of a $100 there, and then also establishing the beneficiary nominations and just touching on your estate planning, make sure that's all correct. On page Okay. seven and eight, you will see your details there. In regards to your total savings, you just didn't disclose what you actually have jointly with your partner, so it's just an undisclosed amount, which is fine, and then just the the house and the mortgage value there. Mhmm. Now Mhmm. Yep. in regards to your insurances there, on page nine, you will see the life and TBD amount that you are covered for. As far as the risk profile there, we're just saying with the growth portfolio. So when we did that risk profile, you still came out as a growth investor, that eighty twenty split of growth versus defensive assets. Mhmm. And we're just trying to keep you in line with that even with the update. But do you have any questions in regards to the growth portfolio or anything in regards to that? Alright.","start_word":742,"end_word":1032,"sentiment":"neutral","sentiment_score":0.10158473998308182},{"text":"That looks fine. Perfect.","start_word":1033,"end_word":1036,"sentiment":"positive","sentiment_score":0.48779910802841187},{"text":"As far as the recommendation goes, Deb, so there will be a change in the investments that you do hold and then what you'll be holding moving forward. Mhmm.","start_word":1037,"end_word":1065,"sentiment":"neutral","sentiment_score":0.19978471100330353},{"text":"Basically, just to refresh the portfolio, update it, and making sure it's moving forward is in your best interest there.","start_word":1066,"end_word":1085,"sentiment":"positive","sentiment_score":0.4617483019828797},{"text":"So within regards to that one there, we consider the CGT implications of that in the core of your portfolio the same. Although, like, you do have quite a bit of time till retirement there, we're not forecasting that far out.","start_word":1086,"end_word":1126,"sentiment":"neutral","sentiment_score":0.09415927529335022},{"text":"We're just trying to get you in a bit of a better position over the next five to ten years. Yep. And then with the recommended portfolio there, you'll be reducing your ongoing investment fees with that one, which has more money invested over time, which helps sort of capitalize on on growth there. You'll be reducing your level of risk that you do hold on that, and it will enhance the level of sort of diversification you currently have in your portfolio between those those funds that are recommended.","start_word":1127,"end_word":1216,"sentiment":"positive","sentiment_score":0.5704423785209656},{"text":"So Okay. as far as the disadvantages there, there's always a chance that, like, the portfolio doesn't perform in regards to how it has performed previously on the recommendations performing. So it's just past in Mhmm. our performance is not indicative of future performance. Yep. Good. But with that, the the guarantee is you will have those lower investment costs. It's still in line with your agreed risk profile. It still aims to have that sort of eighty twenty split. It's closer a bit more to that 88% growth assets, but that's mainly because they consider gold to be entirely growth when it can be considered defensive as well. So you will have slightly more allocation to growth assets, but then it will also reduce the level of active component you have with managed funds by removing that Benelon fund there as well. And you'll Okay.","start_word":1217,"end_word":1362,"sentiment":"neutral","sentiment_score":0.036389611661434174},{"text":"still maintain your ClearBridge rare infrastructure fund, which will help sort of aim to outperform outperform the market and get you that little bit of alpha generation of trying to do better than what the markets are doing themselves.","start_word":1363,"end_word":1401,"sentiment":"positive","sentiment_score":0.3668317198753357},{"text":"They're also Okay. spreading your investments across those alternative other investments there, removing that underperforming Benelong, and then also removing some bank hybrids there, which are just getting phased out, which is just why they're getting removed.","start_word":1402,"end_word":1438,"sentiment":"neutral","sentiment_score":-0.024150874465703964},{"text":"And then with that, it helps minimize the CGT gain because we are maintaining a lot of the core of your portfolio and just changing a few of those satellite investments and then just rebalancing in line with what the portfolio was originally just to help with crystallizing some of those gains and spreading that across to be a little bit more diversified across the different investments.","start_word":1439,"end_word":1505,"sentiment":"positive","sentiment_score":0.382027268409729},{"text":"Yes.","start_word":1506,"end_word":1506,"sentiment":"neutral","sentiment_score":0.23609685897827148},{"text":"Perfect.","start_word":1507,"end_word":1507,"sentiment":"positive","sentiment_score":0.35948485136032104},{"text":"Obviously, with that, when changing the investments, there's some portions that will be sold down to cash. And with the way the markets are at the moment, there is a chance that they do go up and down in that time frame. If they do go up, unfortunately, you might miss out on a little bit of that growth. But if they do go down again, then you might sort of get a bit of a a lower cost. But over the long term, given your time to retirement, it's not a huge thing whether it goes either way. It just there's a little bit can be a bit of a negative impact, if that makes sense. Yes. Perfect. And then with that, we did consider a few alternatives there as well by doing a full sell down moving funds to different platforms that may be a little bit cheaper. But with your capital gains that you do have there, it's not worth doing Yep. that given how competitive Hub twenty four still is. In addition to that window, we also looked at being in an alternative portfolio that maybe has a little bit more growth or just changing the investments entirely, but that just led to a higher capital gain consequence as well, whereas you're happy with your your portfolio is performing largely quite well. And this Yep. just rebalances, removes those underperforming asset, and then just gets rid of the asset that will eventually be phased out anyway and then just gets you back on on track to, hopefully, some sustained long term growth. Okay. Perfect. Did you have any questions in regards to that recommendation It's at all? Yep. Obviously, with the change, you will pay a little bit in brokerage and then, like, a little bit fine. with the the buying and the selling of the assets. As far as the CGT, you can see removing mainly the underperforming assets. Any losses will be carried forward for future gains, and then you'll be saving on investment fees.","start_word":1508,"end_word":1848,"sentiment":"neutral","sentiment_score":0.009765155651658511},{"text":"And then with that, if your portfolio does perform better, the advice fee will go up, and that's just based on projected growth.","start_word":1849,"end_word":1871,"sentiment":"positive","sentiment_score":0.4188877046108246},{"text":"The portfolio is recommended to do better without that underperforming asset as well. That's why that all goes up, but that's just based on the five year or three year rolling averages. Sorry. Just based on the what's available. And then with that, there's no sort of guarantee that's what is gonna happen. That's just based on the fact that given you will be saving money, you will be a little bit less risky having that index investment instead of the Benelon investment and still maintaining a portion towards active to still aim for a little bit of higher growth. Yeah. Okay. So at the moment, you're sitting around 84% in total growth assets, around 15% in defensive. Now with the the rebalance and the changing of that, it does bring you close to 88% growth assets. But with that, that's because gold is considered a totally alternative growth asset. And it can act as defensive, like, what you see, like, with wars that have been occurring in the past few years and things like that. Gold has, like, got a lot of capital growth as well, which is why it's been considered that. But in saying that, it can be quite defensive in nature that it does hold value. It is a bit cyclical when things go bad. That gold technically kind of holds its value or goes up even. But just the way it's classified in this is just it's a 100% of growth asset there as well. As far as the allocations, it is still quite in line with the high a growth sort of portfolio there of Okay. OP Financial. You can see the breakdowns there on page 17 of, like, shaming for the Australian equities, international Yep. equities. Does have a bit of a high allocation to growth assets that are alternative because that ClearBridge fund is in is also considered an alternative growth asset. But given that goal, it can be considered a bit defensive as well.","start_word":1872,"end_word":2204,"sentiment":"neutral","sentiment_score":0.11289145052433014},{"text":"It's fine having that sort of allocation to that.","start_word":2205,"end_word":2213,"sentiment":"positive","sentiment_score":0.3867626190185547},{"text":"Okay. But do you have any other questions in regards to the portfolio, the splits, or the allocations there at all? No.","start_word":2214,"end_word":2235,"sentiment":"neutral","sentiment_score":0.03300813212990761},{"text":"No. I don't.","start_word":2236,"end_word":2238,"sentiment":"negative","sentiment_score":-0.3818378746509552},{"text":"Perfect. On page 18 there, you will be able to see the recommendation. Now within regards to recommendation as well, it does all consider the salary sacrifice that we have recommendation of that $100. So with the net contributions, that does go up, including that minus the tax you will pay, putting into super versus taking it home there, which will Mhmm. all contribute to having a bit of a higher superannuation balance and having that compounding effect. Now Yep. on the the next page over, you will be able to see what that looks like in terms of, like, growth over five to ten year period based on if it was to sort of present as, like, a three year year on year. But in saying that, like, the last three years are never gonna replicate. So it's just a nice sort of illustration if, you know, this is what might happen given that. But in saying that, the main guarantees there are you would be contributing more. You would be saving Yep. on investments, which would all consider contribute to growth even if the war continues, then the growth is a little bit more stagnant for the next twelve months. But in saying that as well, the salary sacrifice arrangement is that $100 per week. Then the appendix there as well, you can see what $50 a week would look like in terms of contributing to super and, like, a a value with that, just to your reference. Because on page 21 of the SOA, you can see what that looks like Okay. in terms of how much Yep. your salary is sacrificing, how much your taxable income would be, how much your tax is paid on that taxable income, and then how much tax you'd be paying in super versus what you're paying at the moment, and how much of that would be contributed to the fund and what those net contributions would look like. So Yes. there's Okay. one there for the $100 a week, and in the appendix, you'd be able to see the $50 per week. If you did decide you only wanna do the 50, you can put it in that little text box there that I only wanna do $50 per week per, like, the appendix, not the statement of advice. And then with that, you can just let your employer know that's what you wanna start, and then we'll have that to state, basically, you're doing the 50, Yes. not the 100. Yeah. Okay. But with that, given your current circumstances there, given that you don't wanna sort of look at the moment in terms of doing any sort of outside super investment and just getting that super growing to have a little bit more compounding at least while you've got that savings per week that you're not really doing too much with at the moment, you can forego. You can look at sort of bolstering up your super now, lowering your effective tax rate outside of that, and then basically, you know, getting a bit of a head start on that compounding effect with your super contributions versus trying to chase it up later sort of towards your late fifties. Yeah. This one. Okay.","start_word":2239,"end_word":2782,"sentiment":"neutral","sentiment_score":0.1262994224534315},{"text":"By doing that, you obviously lean towards creating that future retirement fund and helping sort of bolster that up. In addition to that one, it will, like, lower your effectual like, effective tax rate from a 115 down to a 109,000 for what you're paying tax on there as well.","start_word":2783,"end_word":2832,"sentiment":"positive","sentiment_score":0.4046930074691773},{"text":"Yep. And then you can see that cost savings difference of what you're paying inside versus outside to Mhmm. help get those retirement goals a little bit closer in reach and having that money put aside.","start_word":2833,"end_word":2868,"sentiment":"neutral","sentiment_score":0.23686634004116056},{"text":"Obviously, the disadvantages of that, you are locking that money as way.","start_word":2869,"end_word":2880,"sentiment":"negative","sentiment_score":-0.3784928321838379},{"text":"You can't touch it until you sort of meet a condition of release. Yep. And then with that, obviously, it's cash flow dependent. You can stop at any time if you let your employer know type deal, so Yep. that's more than fine. It's just the money you have put in or would be putting in that's locked away. Yeah. Definitely. Okay. Another risk in regards to that is obviously, you know, with the markets and how they can be quite volatile, although you're putting money in there as well. There could be dips and things like that there as well that, you know, in the long term, they might sort of have impact on those retirement goals. So that aren't, like, guaranteed, but it is guaranteed that you're putting more money in early. You're getting that compounding. And then even with the dips, you do have enough time to retirement that you're getting that money invested now and then writing out those over the next sort of twenty years.","start_word":2881,"end_word":3050,"sentiment":"neutral","sentiment_score":-0.01748402153744417},{"text":"Okay. Fantastic. Yep.","start_word":3051,"end_word":3053,"sentiment":"positive","sentiment_score":0.42292964458465576},{"text":"That's yep. Exactly Yep. that. Okay. We did also consider just the $50 per week, but given Yeah. You just that scan it Yeah. there. I can see it here. Yeah. And then obviously, you can sort of look at doing that depending on your cash flow. But given you I do have that spare $100 per week, it means you're having that towards super there and then also just not making total size sacrifice contributions. But given that your sort of main goal at the moment is to get that super growing get it growing early, that's why we sort of looked at recommending that you do the $100 per week. Okay. Yep. Yep. Agreed.","start_word":3054,"end_word":3169,"sentiment":"neutral","sentiment_score":0.1295808106660843},{"text":"Perfect.","start_word":3170,"end_word":3170,"sentiment":"positive","sentiment_score":0.5013859272003174},{"text":"In regards to beneficiary nominations, I know sort of it with your partner, that is the the main person there that you have at the moment. So we are recommending that you just leave it a 100% to your Yes. spouse. Now you don't Of have course. to to do that if you want to leave certain things to your family and that with the will. And if it is stipulated in the will, you can leave it to LPR, which is distributed that way. But yeah. That's that's The spouse yeah. that's exactly correct, and the wheels are sorted. Yep. Perfect. Yeah. So with the the spouse there, they'll receive it a 100% tax free, and it just means if anything happened to you, that'd be the beneficiary, and it doesn't go to the estate. If you had, you know, an ex spouse that might sort of come after you, your money or funds and things like that, benefit of super, anyway, since it's a non estate asset, and if your nomination's valid Yep. through your spouse, it just means they get it. There's no sort of if, then, or buts. It's very rare that it's contested Yep. being contested Yep.","start_word":3171,"end_word":3372,"sentiment":"neutral","sentiment_score":0.09586661862264766},{"text":"Good. successfully. And then with that, you'll have that peace of mind that the person you want to get it, then they will receive it.","start_word":3373,"end_word":3397,"sentiment":"positive","sentiment_score":0.6703439950942993},{"text":"Yep. And then within regards to disadvantages there, obviously, it does go to that one person, and you may sort of wanna split it, which Mhmm. you can do through the will and things like that. But in saying that if you you like your your partner enough and they're that's all beneficiary, that's not really an issue with that. Exactly Yeah. right. Yeah. I do.","start_word":3398,"end_word":3463,"sentiment":"neutral","sentiment_score":-0.0005647462676279247},{"text":"So it's good.","start_word":3464,"end_word":3466,"sentiment":"positive","sentiment_score":0.4220902919769287},{"text":"That'd be obviously, the alternative there is you can leave it to the the will there to be distributed that way, but then that comes with the risk of being contested. And the the taxes are a little bit different going to a will versus a dependent, which is your spouse, so 100% tax free, Yep.","start_word":3467,"end_word":3522,"sentiment":"neutral","sentiment_score":0.03636473789811134},{"text":"which is nice.","start_word":3523,"end_word":3525,"sentiment":"positive","sentiment_score":0.4805893898010254},{"text":"Okay. And then with that, there is a section there to make sure you do have that established will and a power of attorney attached to that, which I know you're pretty certain on the will. You're not too sure exactly on the power of attorney. So there is just a section on that there as well, but I won't delve into that too much just given the fact that you're pretty sure it's all pretty well sorted. The spouse is the one Yep. that just got that sorted for you. On page 32 there, you will see the remuneration. So within regards to that, the fee remains at the 1.65%. And then Yep. the the premium for for Tal, we do get 22% commission for holding the policy with Tal. That's not an, like, payment you pay to us. It's what the insurer No. pays, No. I understand. Yep. yeah, through your premium. So that all remains the same. Those decisions remain the same. In such time, if you know your partner did come on board, they still do have that 1.1% couples fee.","start_word":3526,"end_word":3710,"sentiment":"neutral","sentiment_score":0.06072300672531128},{"text":"So if she ever did wanna look at sort of having a super looked at, I know you said she was pretty happy with where she There was.","start_word":3711,"end_word":3738,"sentiment":"positive","sentiment_score":0.3870949149131775},{"text":"you go. There she is. Yep. Yeah. But in the future, you never know. So that's still around at the moment. And then within regards to what happens next, so if you were happy with everything there and did sign there, you obviously sign or if you would switch your underlying investments. It would be up to you to let your employer know to start the salary sacrifice. They can draw up a salary sacrifice arrangement letter that you can pass on to your employer, but it is kind of as simple as going to payroll and going like, I Mhmm. wanna start a $100 per week. And then within regards to beneficiary nomination there for your super insurances there, it is up to you to be able to fill out those forms and send them back there. But do you still have a copy of those? I believe they might have sent one out. I'll just double check. Not recently. Let's see if it did get sent out. Believe after the last time we spoke, I made a note of it, but I don't believe anyone sent it there to you at the moment. So I'll make a note of it, and I'll get them to to send Yeah. that out If to if you.","start_word":3739,"end_word":3954,"sentiment":"neutral","sentiment_score":0.10638842731714249},{"text":"it could, it's just blowing us.","start_word":3955,"end_word":3960,"sentiment":"negative","sentiment_score":-0.47502344846725464},{"text":"Oh. Yeah. I'm not too sure what it would have happened because, obviously, you would have got the forms when you first came on board there. I'm not Yeah. too sure Yeah. if they I were I lost in the mail or it's not. it's Or yeah. Very, very possible. I just never set it through, but I do remember going to the effort. Like, you're getting someone to start and get with the yeah. with the service. I don't mean to, like, bag on Australian Oz No. Post No. No. either, It's but, fine. yeah, they they tend to lose a lot. But I've I seen I I in I'll be honest, man. I presume it was me before anyone else. Yeah. It's all about, you know, planning and execution. I I can do planning or I can do execution. I can do so, apparently.","start_word":3961,"end_word":4106,"sentiment":"neutral","sentiment_score":-0.0742938065875883},{"text":"Very fair.","start_word":4107,"end_word":4108,"sentiment":"positive","sentiment_score":0.45629996061325073},{"text":"But, yeah, I'll get them to dial those forms out to you to your address, and you expect Mhmm. those sort of in the next week or so.","start_word":4109,"end_word":4136,"sentiment":"neutral","sentiment_score":0.10145151615142822},{"text":"Okay. Thank you.","start_word":4137,"end_word":4139,"sentiment":"positive","sentiment_score":0.5412852168083191},{"text":"Yeah. And then you just gotta get them witnessed by someone that's not your Yep. your spouse That's if she's alright. nominated party, and then, yeah, you're all sorted. And then you can take even a photo of that and email them back through as long as it's clear, and you can even keep a copy Oh, really? or you can Oh, send you them can't back at scan me. Make yeah. it easier. They can Okay. you Done. can scan it through and just email it back there. And then Alright.","start_word":4140,"end_word":4231,"sentiment":"neutral","sentiment_score":0.15274490416049957},{"text":"Great. happy days.","start_word":4232,"end_word":4234,"sentiment":"positive","sentiment_score":0.7565318942070007},{"text":"There's not sort of an issue of it getting lost in the mail or in transit there, which is fine. Alright. But Good. do you have any questions in regards to that at all, Kendall? Does that all pretty much make sense? No. That would make sense.","start_word":4235,"end_word":4281,"sentiment":"neutral","sentiment_score":0.050148967653512955},{"text":"Thank you.","start_word":4282,"end_word":4283,"sentiment":"positive","sentiment_score":0.44934582710266113},{"text":"Not a problem at all. As I said, there is the appendix there. It's quite straightforward given the advice that just shows the alternative for that value sacrifice. You do have the list of investments there as well if you do wanna have a little squeeze and see what the changes were and what was being recommended. But other Yes. than that, quite a straightforward advice piece with the investment switch and the salary sacrifice arrangement. Yes. Okay. Not a problem at all. Well, if you were to have that, you could go ahead and sign. If you want a second to read through it, you've got more enough time to be able to read through that. It's valid for thirty days without confirming details, another thirty after that. So you've got plenty of time if you wanna do. Just have a read through it, make sure you were happy with everything, and then go ahead and sign it. Or you could just go ahead and and sign it there, and they'll get that sort of on the role and implemented when, I believe, they're away this week for the person responsible, but possibly next week. Okay.","start_word":4284,"end_word":4480,"sentiment":"neutral","sentiment_score":0.15168187549801043},{"text":"Appreciate it. Thank you.","start_word":4481,"end_word":4484,"sentiment":"positive","sentiment_score":0.6223312616348267},{"text":"No. That's all No problem, done. Kendall.","start_word":4485,"end_word":4491,"sentiment":"neutral","sentiment_score":0.175634503364563},{"text":"Brilliant.","start_word":4492,"end_word":4492,"sentiment":"positive","sentiment_score":0.7389363050460815},{"text":"If you had any other questions, feel free to reach out. Otherwise, I'll let you get back to your afternoon. I won't take up any more time.","start_word":4493,"end_word":4519,"sentiment":"neutral","sentiment_score":0.1760314553976059},{"text":"Alright. I really appreciate it. Thank you, Paul. No problems, Kendall. Enjoy the rest of your day. You too. Thank you. Cheers. Bye.","start_word":4520,"end_word":4542,"sentiment":"positive","sentiment_score":0.6655129790306091},{"text":"Bye.","start_word":4543,"end_word":4543,"sentiment":"neutral","sentiment_score":0.2411753386259079}],"average":{"sentiment":"neutral","sentiment_score":0.11092038126386834}}}}