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Is now still a good time for you? Perfect. Just to get stuck into that one today there, Andrew, if I could just pass through security with that name, date of birth, and current address, we can get stuck into that one today. Yep. Perfect. Thank you for that one. And just given the little bit of time that has elapsed there since we last spoke to Andrew, isn't you've had any significant changes in regards to, you know, your circumstances, financial, personal, or otherwise? Perfect. Just wanna confirm that. So within regards to today, it is quite a a simple update. I know it was mainly due to wanting to review those investments following our discussion there as well. This will just be going out to your email, acameron2@bigpond.com. Is that still accurate? Perfect. I definitely know these calls are recorded for quality and training purposes there as well, and then this will be there shortly. Now in regards to the documents that are attached there as well, you'll have the same advisory appendix to that, the Oakview services guide and Oakview financial services guide as well, and then a little bit of information on Hub 24, your current product that you do have. Just in regards to that, we're not recommending any new products. So it's not too difficult in the sense of, like, additional documentation you need to go through to get your head around some some new products, but that should be with you there shortly. Now just given the time terms are being finalized and getting you booked in, it was finalized or, like, the start date there, the 03/02/2026, and then getting the document done and getting you booked back in. So it is valid for sixty days as long as you've, like, confirmed your details, which you have. So you've got until sort of next month to be able to sign that. But, you know, if you've got any sort of questions, things like that, I'd recommend sort of, you know, taking away this week and have a few a bit of a read of it and make sure you're happy with everything if you have any questions to come back as well. Perfect. So it is prepared for yourself by myself, Kyle Goodings, as a authorized representative under Financial. Now in regards to that, you do have the best interest duty at the the top there, which is just basically, if we can't put you in a better position, we wouldn't recommend it. So that's what that one is there. And by now, hopefully, you've received an email with that document that you can review there, Andrew. Oh, okay. No problem. What I can do then if you sort of don't wanna run through it while you're on the phone there and even if you sort of take off driving, I'll give you a quick rundown of what the actual advice is, and then you can take your time to read through it a little bit more in-depth around the advantages, disadvantages, things like that. How does that sound? Yep. Not a not a problem, Andrew. Well, I'll make this quick for you so you can get home, and then, obviously, you can have a read through it in your own time, make sure you're satisfied with everything. Now as far as the advice there, the scope of it, basically, pertaining basically to superannuation and the estate planning side of things. In regards to that, I know you just wanna, you know, make sure it obviously is growing towards your retirement goals and making sure, you know, you're getting enough out of your your superannuation to ensure that, you know, you can afford to to do those things later in life. So we are just looking at doing a review of your investments there, make sure that those are still traveling well. Estate planning matters, obviously, that's always important. The fact that you don't have a will yet, but you're looking into it. We just wanna put this in as a bit of reminder to obviously do that. And then I know you have your your partner there as your beneficiary, so that's fantastic. We're looking at keeping that the same. As far as insurances are concerned, I know following the the discussion, you were happy just maintaining your AMP just given, you know, your age is age and sort of not wanting to go back to underwriting given that at the moment. Should things change in the future, we can obviously do a review. But given that you got the the health history there as well, it's likely you would end up some sort of loadings and things like that as well, which means that it's likely to to cost a bit as well. Not to say that we can't have a look at it if you ever sort of feel like because obviously your premium is creeping up there a little bit, just even sort of doing that process with us when you got a bit more time and just seeing what the pricing might look like and what those terms might be. In regards to stuff we're aware of, but having considered in regards to this as well is just your budgeting savings. I know you sorta, you know, wanna do some minor renovations and do your holidays, things like that as well, but we haven't done any sort of cash flow on budgeting. We can send you the overview budget planner if you'd like to just have for your reference to be able to Yep. It's just a little Excel tool. You know, you can plug it in. It's really good for, you know, finding out that you do have way too many subscriptions and maybe need to cancel a few as well. We did also check-in here that we're aware of that. Maybe down the track, you may wanna look into that self managed super. But given sort of the information I gave you at the time, you weren't looking to go ahead with that based on the fact you mainly wanted it for looking at getting a property for your your children. But given the arm's length rules, that wouldn't be possible through a self made super. But if you do want a referral to, like, a mortgage broker to look at, like, investment properties as well, we can pass your details along to review that given that you do have, like, a nice bit of equity in your current home there as well. Perfect. So there's a limited advice only to the superannuation. And in regards to the estate planning side of things, there is limited scope for the insurances just to illustrate some costs and things like that ongoing. As far as the advice to you, quite simply put, it's to partially roll over some of your hub twenty four superannuation to your AMP just to cover those premiums and make sure given that you are contributing majority to hub twenty four that your balance is high enough to be able to facilitate those premiums with that rollover and then retaining that AMP for the meantime just while you have those insurances listed there as well because the balance has dropped low that 10,000. We just wanna top it up, make sure you've got enough there ongoing. And then we review, obviously, the the 12, make sure that and if you haven't opted in, which I believe you have, it's just something to be mindful of as well that you have better visibility with the your current fund with that to be able to maintain those insurances. We're obviously aware of it, and we do follow-up quite regularly, but it's important that you sort of do keep on top of that as well in case we, you know, ever drop the ball just as a reminder. And then in regards to your we'll establish a will and establish a power of attorney there as well as far as beneficiaries. That's fine with being the spouse. You can confirm your details there on page seven and eight. Just make sure they are all accurate in regards to asset liabilities, your your occupation, things like that as well. As far as your current position, you got your hub twenty four year AMP and the the life insurance through AMP for around the 550,000, and the premium for that one's around 4,400. So we just wanna make sure we're able to pay for that. As far as your risk profile is concerned, still a growth risk profile, that eighty twenty sort of split or around those sort of marks in regards to growth assets versus defensive. So we're looking at keeping that largely the same. The update will change your allocation slightly, but not to any degree that you should be concerned. So as far as the advice, recommending that we roll over to AMP to top it up to 15,000. Now, obviously, if you were to accept this advice document, they had to organize the forms there for you to be able to do that. They'd probably give you a call and get the updated balance for your AMP super just to make sure that those figures line up. So we are getting to the 15 just with what's going on in the market there as well. And then we're looking at maintaining the both of those and then just updating the investments within the hub 24. Now in regards to your AMP super, obviously, you're putting a little bit of money in there. It's not really for any purpose other than the insurances. We could look at sort of adjusting the investments within that, but currently, with the way it is invested and the return it is sort of maintaining, and then your current risk profile with the majority of funds being in half twenty four, it's not to the point where it affects your overall risk tolerance too much to where you probably need to adjust those investments at the moment. But we're always happy to review it if you feel like that isn't the case. But in regards to your best interest, even with that, your hub twenty four and the investments that you have had have been performing better than the A and P, then if you were to sort of just be in an A and P super fund in return to that, plus you have access to OQ services in regards to that as well. And then with the the change up there, we're just making sure that you're invested in a fund that they have high conviction in moving forward with what's happening in the markets as well. Do you have any questions in regards to the the strategy there or, moving that across to the AMP or any Yep. Yep. No. I completely mean what you you you're saying there. So, obviously, insurances is just risk mitigation at the end of the day there as well. At the like, from our previous conversations, obviously, you just wanna hold it just based on the fact that, you know, you do have the the insulin dependency at the moment and then also at the moment, the blood pressure and the the high cholesterol that you would just want to maintain it for the time being. Because it is only a life policy, say, you know, you got your blood pressure and cholesterol down to, like, a level that your doctor was happy with and you're not sort of taking medications and you're only diabetic, you may be able to look at a retail policy that may end up being cheaper once you sort of don't have loadings for those types of conditions and things like that or the risk of decline. And then from there, if that isn't the case and you just wanna work towards being self insured, if you've knocked down enough of your primary residence debt to where you feel, hey. If I go, you know, worst case scenario, my superannuation is gonna cover what's left of the mortgage, and then my partner is such. She can, you know, be out ongoing without me, without any financial support, same within regards to to children, things like that as well. If they're all fine and old enough to where they don't rely on you, or do you need those sort of excess funds for the living expenses, you can look to get rid of it and just aim towards growth. Another option well is, yeah, basically, if you were to have an outside sort of super or just look to putting more into super to help become a little bit more, like, self insured, Like, you you don't have to have insurances. It's a risk mitigation tool. But, you know, say if you were injured, unable to work tomorrow, you know, to where you know, given that it's not total permanent disability, it still wouldn't help you in the sense of that. It's mainly if you were to go that you're looking after the family and things like that. Yeah. So it's just how much you sort of willing to to cover for an event that something like that did happen for your family at the at the end of the day. Obviously, if you had, like, IP and TPD and things like that, it might be a little bit different because if you're not able to work, you might be able to sort of claim on one of those other insurances. But given it's only the life policy, it's of no real benefit to you in the sense. It's more so what you're leaving behind for the family, if that makes sense. Yep. Yep. Yep. Yes. No. Well, in in that sense, like you said, it is a bit of a forced savings. The one thing with it is given, you know, your age till six, you still would be locking the money away for, you know, that sort of six year time frame before you'd be looking at getting any sort of access to it or benefit to it. If it's something that, you know, given that you paid down, like, a fair bit of mortgage, you don't have too much debt and you just wanna, you know, focus on the retirement just a little bit. Any sort of money can sort of contribute to help to go into that. In terms of, like, knocking you out of a a tax bracket, it won't exactly do that for you because you're kinda banksmacking the the middle of one there. Go I'd help you in that sense. It would just be a bit of a forced savings, a bit of an additional contribution to super because it is compounding, obviously. I know a lot of people that do even just the $25 a week because they feel like, you know, a dollar invested today is better than, you know, spend on a McDonald's meal tomorrow. So that is an option. Yeah. And then with that, like, the the take home, like, if even if you did, like, the $100 a month, take home for your current salary, you know, you would be taking home less than what you would be if it was, like, going invested into super because you've gone that, like, 30% plus Medicare. So it's, like, 32% roughly of what you're sort of getting charged in terms of, like, tax. You're taking home, you know, a bit under, you know, $70 or, like, a month for that $100. But if you put into super, you get to invest $85 of that into your superannuation because it's taxed at 15%. So you get a little bit more of a benefit in that sense as well that you do save on a little bit of a tax, and you do have a higher amount that is invested as well. Obviously, we can look into, yeah, salary sacrifice strategies and things like that and show you what it looks like in terms of if you're just happy with an amount you're foregoing and things like that as well. You can just, like, you know, talk to your payroll and just go, hey. I wanna start a salary sacrifice arrangement as well, if that all makes sense. Yeah. Yeah. It kinda just depends on what your goals are. Like, if you your main goal is to, you know, be debt free in retirement, you know, might wanna be focusing on paying down the mortgage. I'm assuming, like, the interest rate on that is probably, you know, around the 4.5 something percent in terms of that. So, you know yeah. So money going on to that, like, essentially, you're offsetting that percentage of interest that you would have to pay given that it's not a deduction because it's, like, a non investment property versus, like, within superannuation and your your super is performing quite well and, you know, you are getting an a nice return, that's the return you'd be getting on that money as opposed to, like, having it on the mortgage and offsetting the interest. So it's like, do you wanna save on on interest, or do you wanna have it accumulating a little bit more towards retirement at a later date sort of thing as well? But like you said, a little bit of the the case is, you know, it might not end up on the mortgage. It might just end up, you know, bit more leisure activities and things like that as well depending on where you sort of at with things. Yeah. So it's definitely an option, something to consider. If you did want us to sorta show you, like, some tables and what that sorta looks like. Obviously, projections to always be taken with that crane of salt in terms of like that. But, you know, twelve month performance in your super even with what happened with the war in in Ukraine and things like that as well, you still did 9.11% after fees, which is still really, really good given it's a growth portfolio and given what has occurred there currently in regards to the the world politics stage at the moment. Obviously, we're looking at doing a bit of an update at the moment just to remove that ban along just because of how it has performed. I don't know if you remember our previous discussion and then getting you a bit of an update there. But in saying that down the track too, we can also, you know, show you what some salary sacrifice and things that that looks like. But if you're happy just doing it yourself as well, like I said, if your if your employer is happy to do it, it's as simple as just going to them and doing it as well. Perfect. Do you have any other questions in regards to that at all? Right. Obviously, in regards to, like, projecting out retirement, that is why we didn't look at that because you sort of aiming at that 67 at the moment. I don't know if that would change. So it's just it's a rough age based on what we have sort of stated previously. You know, you might wanna start taking a little bit out at 60 and things like that, but we're not gonna project anything until you got a bit more hard and fast since probably a few years away. But at the moment, you have more than adequate amount of risk being in a growth, that eighty twenty split, it's still, you know, got a nice time horizon to remain invested, that sort of seven to eight year time frame in holding that investment for the returns there as well. Another option for you that we didn't sort of do just because I know you stated you're happy with how your contributions are going in, you can move them back to AMP just to ensure that, you know, you do have a nice balance going in there, but we're putting enough money back there at the moment to at least cover another year's worth of premiums, and it should still be above the 10,000 at that point as well. As far as the investment switches, it'll be on page 14. It shows you the buyers and the sales. So the major things that we're selling out of then is BHYB with some bank hybrids. They're a defensive asset. They're just getting phased out, unfortunately. The government doesn't like them anymore. So with that, they'll be gone by 2032, so we're just being a little bit more proactive with that. We're moving away from Banyan and Lithium Tech and then also you've been along Australian managed fund. So we are making you in a bit more of a passive account, which does help with that volatility as well, especially with what's happening in the world and also a bit like, also to your risk tolerance and, you know, the volatility of the ups and the downs and relying on a fund manager to pick the right winners where, obviously, the Bennelong Fund that you do hold, even though it's not a major portion of your portfolio, did have a quite a backward step just due to some decisions and, obviously, investing there as well, which impacted your portfolio's performance a bit. You'll also be selling out of the Australian property investment you do hold and then also the RAFT Australian 200, which is like the top Australian 200 companies, but it's basically calculated a little bit differently. With that, you'll be going into a bit of exposure in Europe, Japan, and then Vanguard Orwell, which is like all your investments that hold outside of The US, bit of exposure in that Asia, Europe market as well, and then the BetaShares Australian 200, which is the top 200 companies in Australia. And then the rest of it will just be adjusted slightly. So S and P 500 will remain the core of your portfolio and even have just a slightly higher weighting. And then the rest of your core will be that BetaShares Australian two hundred, and the other ones are a little bit more satellite approach where they're, you know, in the bit more of the emerging market space to because, like, they do have that little bit more volatility just to aim for a little bit more growth and diversification as well, if that makes sense. I know, obviously, I'm rushing through it a little bit through. Just trying to get through it there. Now in regards to the allocations there, so the aims are on the eighty twenty sort of split. In regards to that one, you are currently around 82% growth and around 18% defensive. This does bump you up a little bit to 86% growth and around, you know, that 14% defensive. Now within regards to that, they have considered gold a total growth asset, which it can be considered defensive as well, which does increase it a little bit in terms of that. And then also in regards to that one, you may increase the amount of growth assets you hold slightly, but you are also reducing the manager risk by not having those managed funds and then tracking those indexes, which not only, you know, reduces your risk in terms of, like, they can pick some some bad winners, but it also, in regards to that, is more expensive having those managed funds. So you'll be saving on fees moving forward for administration costs as well. I think that makes sense. Yep. So with that, you'll have a little bit of a guaranteed savings moving forward. Obviously, you'll have a little bit of the money going back to to AMP, but overall, it still puts you off in sort of a better position based on those past performance rolling averages there. And with the the guaranteed savings, that also goes towards investment growth at the end of the day, which is nice. The back end of the advice document there is just in regards to establishing a will power of attorney. Those sort of steps and the benefits and disadvantages, obviously, at the moment too, we're changing up investments within regards to what happening at the moment. There is quite volatile market, but in saying that, given that you still have quite a lot of time till retirement as well, that if you did miss a few percent of, like, selling to to cash and then it going up slightly before you reinvest, it's not gonna absolutely hinder you. It obviously just might sting just a tiny bit. But in saying that if it goes the other way as well, if there was a bit of a a drop while you're in cash and you buy back in, you sort of set yourself up a little bit more for a bit more growth on the the rebound. But in saying that, wars, you know, as bad as I sound, they are, like, a little bit of a blip on the radar for long term superannuation investments. It's not like sort of terrorist tax things like COVID. 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afternoon, Andrew. It's Kyle calling from OPU Financial. How are you today? Yeah. Not too bad at all.\n\nThanks. I've got you scheduled in for your statement of advice presentation. Is now still a good time for you? Perfect. Just to get stuck into that one today there, Andrew, if I could just pass through security with that name, date of birth, and current address, we can get stuck into that one today.\n\nYep. Perfect. Thank you for that one. And just given the little bit of time that has elapsed there since we last spoke to Andrew, isn't you've had any significant changes in regards to, you know, your circumstances, financial, personal, or otherwise? Perfect.\n\nJust wanna confirm that. So within regards to today, it is quite a a simple update. I know it was mainly due to wanting to review those investments following our discussion there as well. This will just be going out to your email, acameron2@bigpond.com. Is that still accurate?\n\nPerfect. I definitely know these calls are recorded for quality and training purposes there as well, and then this will be there shortly. Now in regards to the documents that are attached there as well, you'll have the same advisory appendix to that, the Oakview services guide and Oakview financial services guide as well, and then a little bit of information on Hub 24, your current product that you do have. Just in regards to that, we're not recommending any new products. So it's not too difficult in the sense of, like, additional documentation you need to go through to get your head around some some new products, but that should be with you there shortly.\n\nNow just given the time terms are being finalized and getting you booked in, it was finalized or, like, the start date there, the 03/02/2026, and then getting the document done and getting you booked back in. So it is valid for sixty days as long as you've, like, confirmed your details, which you have. So you've got until sort of next month to be able to sign that. But, you know, if you've got any sort of questions, things like that, I'd recommend sort of, you know, taking away this week and have a few a bit of a read of it and make sure you're happy with everything if you have any questions to come back as well. Perfect.\n\nSo it is prepared for yourself by myself, Kyle Goodings, as a authorized representative under Financial. Now in regards to that, you do have the best interest duty at the the top there, which is just basically, if we can't put you in a better position, we wouldn't recommend it. So that's what that one is there. And by now, hopefully, you've received an email with that document that you can review there, Andrew. Oh, okay.\n\nNo problem. What I can do then if you sort of don't wanna run through it while you're on the phone there and even if you sort of take off driving, I'll give you a quick rundown of what the actual advice is, and then you can take your time to read through it a little bit more in-depth around the advantages, disadvantages, things like that. How does that sound? Yep. Not a not a problem, Andrew.\n\nWell, I'll make this quick for you so you can get home, and then, obviously, you can have a read through it in your own time, make sure you're satisfied with everything. Now as far as the advice there, the scope of it, basically, pertaining basically to superannuation and the estate planning side of things. In regards to that, I know you just wanna, you know, make sure it obviously is growing towards your retirement goals and making sure, you know, you're getting enough out of your your superannuation to ensure that, you know, you can afford to to do those things later in life. So we are just looking at doing a review of your investments there, make sure that those are still traveling well. Estate planning matters, obviously, that's always important.\n\nThe fact that you don't have a will yet, but you're looking into it. We just wanna put this in as a bit of reminder to obviously do that. And then I know you have your your partner there as your beneficiary, so that's fantastic. We're looking at keeping that the same. As far as insurances are concerned, I know following the the discussion, you were happy just maintaining your AMP just given, you know, your age is age and sort of not wanting to go back to underwriting given that at the moment.\n\nShould things change in the future, we can obviously do a review. But given that you got the the health history there as well, it's likely you would end up some sort of loadings and things like that as well, which means that it's likely to to cost a bit as well. Not to say that we can't have a look at it if you ever sort of feel like because obviously your premium is creeping up there a little bit, just even sort of doing that process with us when you got a bit more time and just seeing what the pricing might look like and what those terms might be. In regards to stuff we're aware of, but having considered in regards to this as well is just your budgeting savings. I know you sorta, you know, wanna do some minor renovations and do your holidays, things like that as well, but we haven't done any sort of cash flow on budgeting.\n\nWe can send you the overview budget planner if you'd like to just have for your reference to be able to Yep. It's just a little Excel tool. You know, you can plug it in. It's really good for, you know, finding out that you do have way too many subscriptions and maybe need to cancel a few as well. We did also check-in here that we're aware of that.\n\nMaybe down the track, you may wanna look into that self managed super. But given sort of the information I gave you at the time, you weren't looking to go ahead with that based on the fact you mainly wanted it for looking at getting a property for your your children. But given the arm's length rules, that wouldn't be possible through a self made super. But if you do want a referral to, like, a mortgage broker to look at, like, investment properties as well, we can pass your details along to review that given that you do have, like, a nice bit of equity in your current home there as well. Perfect.\n\nSo there's a limited advice only to the superannuation. And in regards to the estate planning side of things, there is limited scope for the insurances just to illustrate some costs and things like that ongoing. As far as the advice to you, quite simply put, it's to partially roll over some of your hub twenty four superannuation to your AMP just to cover those premiums and make sure given that you are contributing majority to hub twenty four that your balance is high enough to be able to facilitate those premiums with that rollover and then retaining that AMP for the meantime just while you have those insurances listed there as well because the balance has dropped low that 10,000. We just wanna top it up, make sure you've got enough there ongoing. And then we review, obviously, the the 12, make sure that and if you haven't opted in, which I believe you have, it's just something to be mindful of as well that you have better visibility with the your current fund with that to be able to maintain those insurances.\n\nWe're obviously aware of it, and we do follow-up quite regularly, but it's important that you sort of do keep on top of that as well in case we, you know, ever drop the ball just as a reminder. And then in regards to your we'll establish a will and establish a power of attorney there as well as far as beneficiaries. That's fine with being the spouse. You can confirm your details there on page seven and eight. Just make sure they are all accurate in regards to asset liabilities, your your occupation, things like that as well.\n\nAs far as your current position, you got your hub twenty four year AMP and the the life insurance through AMP for around the 550,000, and the premium for that one's around 4,400. So we just wanna make sure we're able to pay for that. As far as your risk profile is concerned, still a growth risk profile, that eighty twenty sort of split or around those sort of marks in regards to growth assets versus defensive. So we're looking at keeping that largely the same. The update will change your allocation slightly, but not to any degree that you should be concerned.\n\nSo as far as the advice, recommending that we roll over to AMP to top it up to 15,000. Now, obviously, if you were to accept this advice document, they had to organize the forms there for you to be able to do that. They'd probably give you a call and get the updated balance for your AMP super just to make sure that those figures line up. So we are getting to the 15 just with what's going on in the market there as well. And then we're looking at maintaining the both of those and then just updating the investments within the hub 24.\n\nNow in regards to your AMP super, obviously, you're putting a little bit of money in there. It's not really for any purpose other than the insurances. We could look at sort of adjusting the investments within that, but currently, with the way it is invested and the return it is sort of maintaining, and then your current risk profile with the majority of funds being in half twenty four, it's not to the point where it affects your overall risk tolerance too much to where you probably need to adjust those investments at the moment. But we're always happy to review it if you feel like that isn't the case. But in regards to your best interest, even with that, your hub twenty four and the investments that you have had have been performing better than the A and P, then if you were to sort of just be in an A and P super fund in return to that, plus you have access to OQ services in regards to that as well.\n\nAnd then with the the change up there, we're just making sure that you're invested in a fund that they have high conviction in moving forward with what's happening in the markets as well. Do you have any questions in regards to the the strategy there or, moving that across to the AMP or any Yep. Yep. No. I completely mean what you you you're saying there.\n\nSo, obviously, insurances is just risk mitigation at the end of the day there as well. At the like, from our previous conversations, obviously, you just wanna hold it just based on the fact that, you know, you do have the the insulin dependency at the moment and then also at the moment, the blood pressure and the the high cholesterol that you would just want to maintain it for the time being. Because it is only a life policy, say, you know, you got your blood pressure and cholesterol down to, like, a level that your doctor was happy with and you're not sort of taking medications and you're only diabetic, you may be able to look at a retail policy that may end up being cheaper once you sort of don't have loadings for those types of conditions and things like that or the risk of decline. And then from there, if that isn't the case and you just wanna work towards being self insured, if you've knocked down enough of your primary residence debt to where you feel, hey. If I go, you know, worst case scenario, my superannuation is gonna cover what's left of the mortgage, and then my partner is such.\n\nShe can, you know, be out ongoing without me, without any financial support, same within regards to to children, things like that as well. If they're all fine and old enough to where they don't rely on you, or do you need those sort of excess funds for the living expenses, you can look to get rid of it and just aim towards growth. Another option well is, yeah, basically, if you were to have an outside sort of super or just look to putting more into super to help become a little bit more, like, self insured, Like, you you don't have to have insurances. It's a risk mitigation tool. But, you know, say if you were injured, unable to work tomorrow, you know, to where you know, given that it's not total permanent disability, it still wouldn't help you in the sense of that.\n\nIt's mainly if you were to go that you're looking after the family and things like that. Yeah. So it's just how much you sort of willing to to cover for an event that something like that did happen for your family at the at the end of the day. Obviously, if you had, like, IP and TPD and things like that, it might be a little bit different because if you're not able to work, you might be able to sort of claim on one of those other insurances. But given it's only the life policy, it's of no real benefit to you in the sense.\n\nIt's more so what you're leaving behind for the family, if that makes sense. Yep. Yep. Yep. Yes.\n\nNo. Well, in in that sense, like you said, it is a bit of a forced savings. The one thing with it is given, you know, your age till six, you still would be locking the money away for, you know, that sort of six year time frame before you'd be looking at getting any sort of access to it or benefit to it. If it's something that, you know, given that you paid down, like, a fair bit of mortgage, you don't have too much debt and you just wanna, you know, focus on the retirement just a little bit. Any sort of money can sort of contribute to help to go into that.\n\nIn terms of, like, knocking you out of a a tax bracket, it won't exactly do that for you because you're kinda banksmacking the the middle of one there. Go I'd help you in that sense. It would just be a bit of a forced savings, a bit of an additional contribution to super because it is compounding, obviously. I know a lot of people that do even just the $25 a week because they feel like, you know, a dollar invested today is better than, you know, spend on a McDonald's meal tomorrow. So that is an option.\n\nYeah. And then with that, like, the the take home, like, if even if you did, like, the $100 a month, take home for your current salary, you know, you would be taking home less than what you would be if it was, like, going invested into super because you've gone that, like, 30% plus Medicare. So it's, like, 32% roughly of what you're sort of getting charged in terms of, like, tax. You're taking home, you know, a bit under, you know, $70 or, like, a month for that $100. But if you put into super, you get to invest $85 of that into your superannuation because it's taxed at 15%.\n\nSo you get a little bit more of a benefit in that sense as well that you do save on a little bit of a tax, and you do have a higher amount that is invested as well. Obviously, we can look into, yeah, salary sacrifice strategies and things like that and show you what it looks like in terms of if you're just happy with an amount you're foregoing and things like that as well. You can just, like, you know, talk to your payroll and just go, hey. I wanna start a salary sacrifice arrangement as well, if that all makes sense. Yeah.\n\nYeah. It kinda just depends on what your goals are. Like, if you your main goal is to, you know, be debt free in retirement, you know, might wanna be focusing on paying down the mortgage. I'm assuming, like, the interest rate on that is probably, you know, around the 4.5 something percent in terms of that. So, you know yeah.\n\nSo money going on to that, like, essentially, you're offsetting that percentage of interest that you would have to pay given that it's not a deduction because it's, like, a non investment property versus, like, within superannuation and your your super is performing quite well and, you know, you are getting an a nice return, that's the return you'd be getting on that money as opposed to, like, having it on the mortgage and offsetting the interest. So it's like, do you wanna save on on interest, or do you wanna have it accumulating a little bit more towards retirement at a later date sort of thing as well? But like you said, a little bit of the the case is, you know, it might not end up on the mortgage. It might just end up, you know, bit more leisure activities and things like that as well depending on where you sort of at with things. Yeah.\n\nSo it's definitely an option, something to consider. If you did want us to sorta show you, like, some tables and what that sorta looks like. Obviously, projections to always be taken with that crane of salt in terms of like that. But, you know, twelve month performance in your super even with what happened with the war in in Ukraine and things like that as well, you still did 9.11% after fees, which is still really, really good given it's a growth portfolio and given what has occurred there currently in regards to the the world politics stage at the moment. Obviously, we're looking at doing a bit of an update at the moment just to remove that ban along just because of how it has performed.\n\nI don't know if you remember our previous discussion and then getting you a bit of an update there. But in saying that down the track too, we can also, you know, show you what some salary sacrifice and things that that looks like. But if you're happy just doing it yourself as well, like I said, if your if your employer is happy to do it, it's as simple as just going to them and doing it as well. Perfect. Do you have any other questions in regards to that at all?\n\nRight. Obviously, in regards to, like, projecting out retirement, that is why we didn't look at that because you sort of aiming at that 67 at the moment. I don't know if that would change. So it's just it's a rough age based on what we have sort of stated previously. You know, you might wanna start taking a little bit out at 60 and things like that, but we're not gonna project anything until you got a bit more hard and fast since probably a few years away.\n\nBut at the moment, you have more than adequate amount of risk being in a growth, that eighty twenty split, it's still, you know, got a nice time horizon to remain invested, that sort of seven to eight year time frame in holding that investment for the returns there as well. Another option for you that we didn't sort of do just because I know you stated you're happy with how your contributions are going in, you can move them back to AMP just to ensure that, you know, you do have a nice balance going in there, but we're putting enough money back there at the moment to at least cover another year's worth of premiums, and it should still be above the 10,000 at that point as well. As far as the investment switches, it'll be on page 14. It shows you the buyers and the sales. So the major things that we're selling out of then is BHYB with some bank hybrids.\n\nThey're a defensive asset. They're just getting phased out, unfortunately. The government doesn't like them anymore. So with that, they'll be gone by 2032, so we're just being a little bit more proactive with that. We're moving away from Banyan and Lithium Tech and then also you've been along Australian managed fund.\n\nSo we are making you in a bit more of a passive account, which does help with that volatility as well, especially with what's happening in the world and also a bit like, also to your risk tolerance and, you know, the volatility of the ups and the downs and relying on a fund manager to pick the right winners where, obviously, the Bennelong Fund that you do hold, even though it's not a major portion of your portfolio, did have a quite a backward step just due to some decisions and, obviously, investing there as well, which impacted your portfolio's performance a bit. You'll also be selling out of the Australian property investment you do hold and then also the RAFT Australian 200, which is like the top Australian 200 companies, but it's basically calculated a little bit differently. With that, you'll be going into a bit of exposure in Europe, Japan, and then Vanguard Orwell, which is like all your investments that hold outside of The US, bit of exposure in that Asia, Europe market as well, and then the BetaShares Australian 200, which is the top 200 companies in Australia. And then the rest of it will just be adjusted slightly.\n\nSo S and P 500 will remain the core of your portfolio and even have just a slightly higher weighting. And then the rest of your core will be that BetaShares Australian two hundred, and the other ones are a little bit more satellite approach where they're, you know, in the bit more of the emerging market space to because, like, they do have that little bit more volatility just to aim for a little bit more growth and diversification as well, if that makes sense. I know, obviously, I'm rushing through it a little bit through. Just trying to get through it there. Now in regards to the allocations there, so the aims are on the eighty twenty sort of split.\n\nIn regards to that one, you are currently around 82% growth and around 18% defensive. This does bump you up a little bit to 86% growth and around, you know, that 14% defensive. Now within regards to that, they have considered gold a total growth asset, which it can be considered defensive as well, which does increase it a little bit in terms of that. And then also in regards to that one, you may increase the amount of growth assets you hold slightly, but you are also reducing the manager risk by not having those managed funds and then tracking those indexes, which not only, you know, reduces your risk in terms of, like, they can pick some some bad winners, but it also, in regards to that, is more expensive having those managed funds. So you'll be saving on fees moving forward for administration costs as well.\n\nI think that makes sense. Yep. So with that, you'll have a little bit of a guaranteed savings moving forward. Obviously, you'll have a little bit of the money going back to to AMP, but overall, it still puts you off in sort of a better position based on those past performance rolling averages there. And with the the guaranteed savings, that also goes towards investment growth at the end of the day, which is nice.\n\nThe back end of the advice document there is just in regards to establishing a will power of attorney. Those sort of steps and the benefits and disadvantages, obviously, at the moment too, we're changing up investments within regards to what happening at the moment. There is quite volatile market, but in saying that, given that you still have quite a lot of time till retirement as well, that if you did miss a few percent of, like, selling to to cash and then it going up slightly before you reinvest, it's not gonna absolutely hinder you. It obviously just might sting just a tiny bit. But in saying that if it goes the other way as well, if there was a bit of a a drop while you're in cash and you buy back in, you sort of set yourself up a little bit more for a bit more growth on the the rebound.\n\nBut in saying that, wars, you know, as bad as I sound, they are, like, a little bit of a blip on the radar for long term superannuation investments. It's not like sort of terrorist tax things like COVID. They do recover, like, quite a bit quicker once it sort of stops.","paragraphs":[{"sentences":[{"text":"Good afternoon, Andrew.","start":3.4399998,"end":4.24,"sentiment":"positive","sentiment_score":0.41603846351305646},{"text":"It's Kyle calling from OPU Financial.","start":4.24,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.24462306002775827},{"text":"How are you today?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.2861522361636162},{"text":"Yeah.","start":8.559999,"end":8.88,"sentiment":"neutral","sentiment_score":0.2576645016670227},{"text":"Not too bad at all.","start":8.88,"end":9.679999,"sentiment":"neutral","sentiment_score":0.3282215356826782}],"sentiment":"neutral","sentiment_score":0.30311762502318934,"num_words":19,"start":3.4399998,"end":9.679999},{"sentences":[{"text":"Thanks.","start":9.679999,"end":10.0,"sentiment":"positive","sentiment_score":0.6785522699356079},{"text":"I've got you scheduled in for your statement of advice presentation.","start":10.0,"end":12.4,"sentiment":"positive","sentiment_score":0.35822377421639184},{"text":"Is now still a good time for you?","start":12.4,"end":16.725,"sentiment":"neutral","sentiment_score":0.2561348211020231},{"text":"Perfect.","start":16.865,"end":17.345,"sentiment":"positive","sentiment_score":0.479788601398468},{"text":"Just to get stuck into that one today there, Andrew, if I could just pass through security with that name, date of birth, and current address, we can get stuck into that one today.","start":17.345,"end":23.525,"sentiment":"neutral","sentiment_score":0.17087306520518133}],"sentiment":"neutral","sentiment_score":0.23559209406375886,"num_words":55,"start":9.679999,"end":23.525},{"sentences":[{"text":"Yep.","start":34.08,"end":34.56,"sentiment":"neutral","sentiment_score":0.06564535945653915},{"text":"Perfect.","start":34.56,"end":35.04,"sentiment":"positive","sentiment_score":0.49065935611724854},{"text":"Thank you for that one.","start":35.04,"end":36.32,"sentiment":"positive","sentiment_score":0.6292612314224243},{"text":"And just given the little bit of time that has elapsed there since we last spoke to Andrew, isn't you've had any significant changes in regards to, you know, your circumstances, financial, personal, or otherwise?","start":36.32,"end":47.565,"sentiment":"neutral","sentiment_score":0.0053262824990919656},{"text":"Perfect.","start":53.945,"end":54.42,"sentiment":"positive","sentiment_score":0.3979044556617737}],"sentiment":"neutral","sentiment_score":0.09969616780967214,"num_words":43,"start":34.08,"end":54.42},{"sentences":[{"text":"Just wanna confirm that.","start":55.539997,"end":56.82,"sentiment":"neutral","sentiment_score":0.2767060473561287},{"text":"So within regards to today, it is quite a a simple update.","start":56.82,"end":60.5,"sentiment":"neutral","sentiment_score":0.132215345899264},{"text":"I know it was mainly due to wanting to review those investments following our discussion there as well.","start":60.5,"end":66.975,"sentiment":"neutral","sentiment_score":0.0827132190267245},{"text":"This will just be going out to your email, acameron2@bigpond.com.","start":67.455,"end":72.195,"sentiment":"neutral","sentiment_score":0.09412541314959526},{"text":"Is that still accurate?","start":72.494995,"end":73.634995,"sentiment":"neutral","sentiment_score":0.07946756668388844}],"sentiment":"neutral","sentiment_score":0.1133618891860048,"num_words":48,"start":55.539997,"end":73.634995},{"sentences":[{"text":"Perfect.","start":74.095,"end":74.595,"sentiment":"positive","sentiment_score":0.3835574090480805},{"text":"I definitely know these calls are recorded for quality and training purposes there as well, and then this will be there shortly.","start":75.215,"end":80.994995,"sentiment":"neutral","sentiment_score":0.1399191702631387},{"text":"Now in regards to the documents that are attached there as well, you'll have the same advisory appendix to that, the Oakview services guide and Oakview financial services guide as well, and then a little bit of information on Hub 24, your current product that you do have.","start":81.055,"end":95.985,"sentiment":"neutral","sentiment_score":0.06853181216865778},{"text":"Just in regards to that, we're not recommending any new products.","start":96.065,"end":99.185,"sentiment":"neutral","sentiment_score":-0.24635416540232571},{"text":"So it's not too difficult in the sense of, like, additional documentation you need to go through to get your head around some some new products, but that should be with you there shortly.","start":99.185,"end":107.285,"sentiment":"neutral","sentiment_score":-0.0847329727428801}],"sentiment":"neutral","sentiment_score":0.010004217640079301,"num_words":116,"start":74.095,"end":107.285},{"sentences":[{"text":"Now just given the time terms are being finalized and getting you booked in, it was finalized or, like, the start date there, the 03/02/2026, and then getting the document done and getting you booked back in.","start":108.145004,"end":120.03,"sentiment":"neutral","sentiment_score":0.10767123878404901},{"text":"So it is valid for sixty days as long as you've, like, confirmed your details, which you have.","start":120.09,"end":124.785,"sentiment":"neutral","sentiment_score":0.1914185823665725},{"text":"So you've got until sort of next month to be able to sign that.","start":125.345,"end":129.905,"sentiment":"neutral","sentiment_score":0.11640227319938797},{"text":"But, you know, if you've got any sort of questions, things like that, I'd recommend sort of, you know, taking away this week and have a few a bit of a read of it and make sure you're happy with everything if you have any questions to come back as well.","start":129.905,"end":141.82999,"sentiment":"neutral","sentiment_score":0.015552375958684613},{"text":"Perfect.","start":142.37,"end":142.87,"sentiment":"positive","sentiment_score":0.5239232778549194}],"sentiment":"neutral","sentiment_score":0.08575286441444119,"num_words":121,"start":108.145004,"end":142.87},{"sentences":[{"text":"So it is prepared for yourself by myself, Kyle Goodings, as a authorized representative under Financial.","start":143.48999,"end":149.26999,"sentiment":"neutral","sentiment_score":0.26493257842957973},{"text":"Now in regards to that, you do have the best interest duty at the the top there, which is just basically, if we can't put you in a better position, we wouldn't recommend it.","start":149.96999,"end":158.57501,"sentiment":"neutral","sentiment_score":-0.14497158490121365},{"text":"So that's what that one is there.","start":159.35501,"end":161.515,"sentiment":"neutral","sentiment_score":-0.02426562724368913},{"text":"And by now, hopefully, you've received an email with that document that you can review there, Andrew.","start":161.515,"end":165.9,"sentiment":"neutral","sentiment_score":0.1463741743389298},{"text":"Oh, okay.","start":171.9,"end":172.62,"sentiment":"neutral","sentiment_score":-0.010760058648884296}],"sentiment":"neutral","sentiment_score":0.021143010841976655,"num_words":76,"start":143.48999,"end":172.62},{"sentences":[{"text":"No problem.","start":172.62,"end":173.36,"sentiment":"neutral","sentiment_score":0.040819332003593445},{"text":"What I can do then if you sort of don't wanna run through it while you're on the phone there and even if you sort of take off driving, I'll give you a quick rundown of what the actual advice is, and then you can take your time to read through it a little bit more in-depth around the advantages, disadvantages, things like that.","start":173.5,"end":186.77501,"sentiment":"neutral","sentiment_score":0.031082354951649904},{"text":"How does that sound?","start":186.77501,"end":187.755,"sentiment":"neutral","sentiment_score":0.06933706253767014},{"text":"Yep.","start":199.99,"end":200.49,"sentiment":"neutral","sentiment_score":-0.06652376055717468},{"text":"Not a not a problem, Andrew.","start":201.43001,"end":202.79001,"sentiment":"neutral","sentiment_score":0.16514412686228752}],"sentiment":"neutral","sentiment_score":0.04250128093090924,"num_words":77,"start":172.62,"end":202.79001},{"sentences":[{"text":"Well, I'll make this quick for you so you can get home, and then, obviously, you can have a read through it in your own time, make sure you're satisfied with everything.","start":202.79001,"end":208.735,"sentiment":"positive","sentiment_score":0.5349894445389509},{"text":"Now as far as the advice there, the scope of it, basically, pertaining basically to superannuation and the estate planning side of things.","start":209.035,"end":217.615,"sentiment":"neutral","sentiment_score":0.1713847764160322},{"text":"In regards to that, I know you just wanna, you know, make sure it obviously is growing towards your retirement goals and making sure, you know, you're getting enough out of your your superannuation to ensure that, you know, you can afford to to do those things later in life.","start":218.07501,"end":229.37,"sentiment":"positive","sentiment_score":0.3734225335717201},{"text":"So we are just looking at doing a review of your investments there, make sure that those are still traveling well.","start":229.82999,"end":233.745,"sentiment":"neutral","sentiment_score":0.2996525267759959},{"text":"Estate planning matters, obviously, that's always important.","start":234.065,"end":236.325,"sentiment":"neutral","sentiment_score":0.2732658641678946}],"sentiment":"positive","sentiment_score":0.3604376155855064,"num_words":133,"start":202.79001,"end":236.325},{"sentences":[{"text":"The fact that you don't have a will yet, but you're looking into it.","start":236.385,"end":239.105,"sentiment":"neutral","sentiment_score":0.14620789938739367},{"text":"We just wanna put this in as a bit of reminder to obviously do that.","start":239.105,"end":242.405,"sentiment":"positive","sentiment_score":0.4098292390505473},{"text":"And then I know you have your your partner there as your beneficiary, so that's fantastic.","start":242.625,"end":247.125,"sentiment":"positive","sentiment_score":0.6027422472834587},{"text":"We're looking at keeping that the same.","start":247.185,"end":249.26,"sentiment":"positive","sentiment_score":0.5032586370195661},{"text":"As far as insurances are concerned, I know following the the discussion, you were happy just maintaining your AMP just given, you know, your age is age and sort of not wanting to go back to underwriting given that at the moment.","start":249.64,"end":259.965,"sentiment":"neutral","sentiment_score":0.08189209506270431}],"sentiment":"neutral","sentiment_score":0.2638351445264639,"num_words":94,"start":236.385,"end":259.965},{"sentences":[{"text":"Should things change in the future, we can obviously do a review.","start":260.525,"end":263.085,"sentiment":"neutral","sentiment_score":0.041715223963061966},{"text":"But given that you got the the health history there as well, it's likely you would end up some sort of loadings and things like that as well, which means that it's likely to to cost a bit as well.","start":263.085,"end":272.065,"sentiment":"neutral","sentiment_score":-0.0683198512531817},{"text":"Not to say that we can't have a look at it if you ever sort of feel like because obviously your premium is creeping up there a little bit, just even sort of doing that process with us when you got a bit more time and just seeing what the pricing might look like and what those terms might be.","start":272.365,"end":284.84,"sentiment":"neutral","sentiment_score":-0.15958186959226925},{"text":"In regards to stuff we're aware of, but having considered in regards to this as well is just your budgeting savings.","start":286.98,"end":292.27502,"sentiment":"neutral","sentiment_score":0.003128899555165498},{"text":"I know you sorta, you know, wanna do some minor renovations and do your holidays, things like that as well, but we haven't done any sort of cash flow on budgeting.","start":292.27502,"end":298.515,"sentiment":"neutral","sentiment_score":-0.036809963174164295}],"sentiment":"neutral","sentiment_score":-0.07855198479175181,"num_words":164,"start":260.525,"end":298.515},{"sentences":[{"text":"We can send you the overview budget planner if you'd like to just have for your reference to be able to Yep.","start":298.515,"end":307.98,"sentiment":"neutral","sentiment_score":0.11757211810485883},{"text":"It's just a little Excel tool.","start":308.28,"end":309.72,"sentiment":"neutral","sentiment_score":0.30580247441927594},{"text":"You know, you can plug it in.","start":309.72,"end":310.76,"sentiment":"neutral","sentiment_score":0.2931357813732965},{"text":"It's really good for, you know, finding out that you do have way too many subscriptions and maybe need to cancel a few as well.","start":310.76,"end":316.38,"sentiment":"neutral","sentiment_score":0.28683764904737474},{"text":"We did also check-in here that we're aware of that.","start":318.695,"end":321.015,"sentiment":"neutral","sentiment_score":0.04142011813819409}],"sentiment":"neutral","sentiment_score":0.2008356331714562,"num_words":70,"start":298.515,"end":321.015},{"sentences":[{"text":"Maybe down the track, you may wanna look into that self managed super.","start":321.015,"end":323.89502,"sentiment":"neutral","sentiment_score":0.0471133841918065},{"text":"But given sort of the information I gave you at the time, you weren't looking to go ahead with that based on the fact you mainly wanted it for looking at getting a property for your your children.","start":323.89502,"end":333.19,"sentiment":"neutral","sentiment_score":-0.014856498786493352},{"text":"But given the arm's length rules, that wouldn't be possible through a self made super.","start":333.19,"end":336.38998,"sentiment":"neutral","sentiment_score":-0.1803830328087012},{"text":"But if you do want a referral to, like, a mortgage broker to look at, like, investment properties as well, we can pass your details along to review that given that you do have, like, a nice bit of equity in your current home there as well.","start":336.38998,"end":351.515,"sentiment":"neutral","sentiment_score":0.15852774774774592},{"text":"Perfect.","start":351.515,"end":351.995,"sentiment":"positive","sentiment_score":0.4515323042869568}],"sentiment":"neutral","sentiment_score":0.0460045438325196,"num_words":114,"start":321.015,"end":351.995},{"sentences":[{"text":"So there's a limited advice only to the superannuation.","start":351.995,"end":354.895,"sentiment":"neutral","sentiment_score":-0.08301337130574717},{"text":"And in regards to the estate planning side of things, there is limited scope for the insurances just to illustrate some costs and things like that ongoing.","start":355.275,"end":361.62,"sentiment":"neutral","sentiment_score":-0.09872239593554426},{"text":"As far as the advice to you, quite simply put, it's to partially roll over some of your hub twenty four superannuation to your AMP just to cover those premiums and make sure given that you are contributing majority to hub twenty four that your balance is high enough to be able to facilitate those premiums with that rollover and then retaining that AMP for the meantime just while you have those insurances listed there as well because the balance has dropped low that 10,000.","start":362.96,"end":388.775,"sentiment":"neutral","sentiment_score":0.09010851093951394},{"text":"We just wanna top it up, make sure you've got enough there ongoing.","start":388.775,"end":391.9203,"sentiment":"neutral","sentiment_score":0.16518064903525206},{"text":"And then we review, obviously, the the 12, make sure that and if you haven't opted in, which I believe you have, it's just something to be mindful of as well that you have better visibility with the your current fund with that to be able to maintain those insurances.","start":391.9203,"end":405.145,"sentiment":"neutral","sentiment_score":0.16153345078229905}],"sentiment":"neutral","sentiment_score":0.07864467051315485,"num_words":184,"start":351.995,"end":405.145},{"sentences":[{"text":"We're obviously aware of it, and we do follow-up quite regularly, but it's important that you sort of do keep on top of that as well in case we, you know, ever drop the ball just as a reminder.","start":405.145,"end":413.725,"sentiment":"neutral","sentiment_score":0.16636233752927718},{"text":"And then in regards to your we'll establish a will and establish a power of attorney there as well as far as beneficiaries.","start":415.47,"end":422.85,"sentiment":"neutral","sentiment_score":0.15179530563561813},{"text":"That's fine with being the spouse.","start":422.91,"end":424.61002,"sentiment":"neutral","sentiment_score":0.3077894101540248},{"text":"You can confirm your details there on page seven and eight.","start":424.99002,"end":427.71002,"sentiment":"neutral","sentiment_score":0.29158451882275666},{"text":"Just make sure they are all accurate in regards to asset liabilities, your your occupation, things like that as well.","start":427.71002,"end":433.435,"sentiment":"neutral","sentiment_score":0.16724447682499885}],"sentiment":"neutral","sentiment_score":0.18564120098722703,"num_words":99,"start":405.145,"end":433.435},{"sentences":[{"text":"As far as your current position, you got your hub twenty four year AMP and the the life insurance through AMP for around the 550,000, and the premium for that one's around 4,400.","start":434.215,"end":443.85,"sentiment":"neutral","sentiment_score":0.15062871891440768},{"text":"So we just wanna make sure we're able to pay for that.","start":443.85,"end":446.03,"sentiment":"neutral","sentiment_score":0.2960947019358476},{"text":"As far as your risk profile is concerned, still a growth risk profile, that eighty twenty sort of split or around those sort of marks in regards to growth assets versus defensive.","start":446.41,"end":455.05,"sentiment":"neutral","sentiment_score":-0.08401318709366024},{"text":"So we're looking at keeping that largely the same.","start":455.05,"end":457.215,"sentiment":"neutral","sentiment_score":0.05557818462451299},{"text":"The update will change your allocation slightly, but not to any degree that you should be concerned.","start":457.535,"end":462.595,"sentiment":"neutral","sentiment_score":-0.011398083366015378}],"sentiment":"neutral","sentiment_score":0.059630081600066526,"num_words":103,"start":434.215,"end":462.595},{"sentences":[{"text":"So as far as the advice, recommending that we roll over to AMP to top it up to 15,000.","start":464.175,"end":470.35498,"sentiment":"neutral","sentiment_score":0.047874266575825844},{"text":"Now, obviously, if you were to accept this advice document, they had to organize the forms there for you to be able to do that.","start":470.94998,"end":475.43,"sentiment":"neutral","sentiment_score":0.09911802932620048},{"text":"They'd probably give you a call and get the updated balance for your AMP super just to make sure that those figures line up.","start":475.43,"end":481.75,"sentiment":"neutral","sentiment_score":0.16582565692563853},{"text":"So we are getting to the 15 just with what's going on in the market there as well.","start":481.75,"end":485.37,"sentiment":"neutral","sentiment_score":0.14280114985174602},{"text":"And then we're looking at maintaining the both of those and then just updating the investments within the hub 24.","start":487.165,"end":492.54498,"sentiment":"neutral","sentiment_score":0.20869271755218505}],"sentiment":"neutral","sentiment_score":0.13312879823288828,"num_words":106,"start":464.175,"end":492.54498},{"sentences":[{"text":"Now in regards to your AMP super, obviously, you're putting a little bit of money in there.","start":493.085,"end":497.085,"sentiment":"neutral","sentiment_score":0.11908069077660055},{"text":"It's not really for any purpose other than the insurances.","start":497.085,"end":500.38498,"sentiment":"neutral","sentiment_score":-0.30870938003063203},{"text":"We could look at sort of adjusting the investments within that, but currently, with the way it is invested and the return it is sort of maintaining, and then your current risk profile with the majority of funds being in half twenty four, it's not to the point where it affects your overall risk tolerance too much to where you probably need to adjust those investments at the moment.","start":501.30002,"end":520.635,"sentiment":"neutral","sentiment_score":-0.2533122403142245},{"text":"But we're always happy to review it if you feel like that isn't the case.","start":521.09503,"end":524.875,"sentiment":"neutral","sentiment_score":0.14030367011825243},{"text":"But in regards to your best interest, even with that, your hub twenty four and the investments that you have had have been performing better than the A and P, then if you were to sort of just be in an A and P super fund in return to that, plus you have access to OQ services in regards to that as well.","start":525.255,"end":541.625,"sentiment":"positive","sentiment_score":0.48240716400600614}],"sentiment":"neutral","sentiment_score":0.08020080313429065,"num_words":174,"start":493.085,"end":541.625},{"sentences":[{"text":"And then with the the change up there, we're just making sure that you're invested in a fund that they have high conviction in moving forward with what's happening in the markets as well.","start":542.805,"end":551.385,"sentiment":"positive","sentiment_score":0.5543305979055517},{"text":"Do you have any questions in regards to the the strategy there or, moving that across to the AMP or any Yep.","start":554.805,"end":572.10504,"sentiment":"neutral","sentiment_score":0.03258175055750392},{"text":"Yep.","start":587.54,"end":588.04,"sentiment":"neutral","sentiment_score":0.07496294379234314},{"text":"No.","start":588.18,"end":588.57996,"sentiment":"neutral","sentiment_score":-0.08875706791877747},{"text":"I completely mean what you you you're saying there.","start":588.57996,"end":591.06,"sentiment":"neutral","sentiment_score":-0.0697992742061615}],"sentiment":"neutral","sentiment_score":0.28241867535928294,"num_words":67,"start":542.805,"end":591.06},{"sentences":[{"text":"So, obviously, insurances is just risk mitigation at the end of the day there as well.","start":591.06,"end":595.515,"sentiment":"neutral","sentiment_score":0.07768181758001447},{"text":"At the like, from our previous conversations, obviously, you just wanna hold it just based on the fact that, you know, you do have the the insulin dependency at the moment and then also at the moment, the blood pressure and the the high cholesterol that you would just want to maintain it for the time being.","start":596.715,"end":610.78,"sentiment":"neutral","sentiment_score":-0.009398240792123895},{"text":"Because it is only a life policy, say, you know, you got your blood pressure and cholesterol down to, like, a level that your doctor was happy with and you're not sort of taking medications and you're only diabetic, you may be able to look at a retail policy that may end up being cheaper once you sort of don't have loadings for those types of conditions and things like that or the risk of decline.","start":610.78,"end":629.78503,"sentiment":"neutral","sentiment_score":0.15959852551551243},{"text":"And then from there, if that isn't the case and you just wanna work towards being self insured, if you've knocked down enough of your primary residence debt to where you feel, hey.","start":630.16504,"end":638.55,"sentiment":"neutral","sentiment_score":0.040902567180720245},{"text":"If I go, you know, worst case scenario, my superannuation is gonna cover what's left of the mortgage, and then my partner is such.","start":638.55,"end":646.31,"sentiment":"neutral","sentiment_score":0.004004758627464374}],"sentiment":"neutral","sentiment_score":0.06933299135597586,"num_words":206,"start":591.06,"end":646.31},{"sentences":[{"text":"She can, you know, be out ongoing without me, without any financial support, same within regards to to children, things like that as well.","start":646.31,"end":654.525,"sentiment":"neutral","sentiment_score":0.07216455756376187},{"text":"If they're all fine and old enough to where they don't rely on you, or do you need those sort of excess funds for the living expenses, you can look to get rid of it and just aim towards growth.","start":655.54504,"end":663.965,"sentiment":"neutral","sentiment_score":0.018864982295781374},{"text":"Another option well is, yeah, basically, if you were to have an outside sort of super or just look to putting more into super to help become a little bit more, like, self insured, Like, you you don't have to have insurances.","start":664.42505,"end":680.395,"sentiment":"neutral","sentiment_score":0.1882335761828082},{"text":"It's a risk mitigation tool.","start":680.53503,"end":681.815,"sentiment":"neutral","sentiment_score":0.17925635874271392},{"text":"But, you know, say if you were injured, unable to work tomorrow, you know, to where you know, given that it's not total permanent disability, it still wouldn't help you in the sense of that.","start":681.815,"end":691.655,"sentiment":"neutral","sentiment_score":-0.14624394327402115}],"sentiment":"neutral","sentiment_score":0.04226097706960489,"num_words":146,"start":646.31,"end":691.655},{"sentences":[{"text":"It's mainly if you were to go that you're looking after the family and things like that.","start":691.655,"end":697.45996,"sentiment":"neutral","sentiment_score":0.08400784317842301},{"text":"Yeah.","start":701.92,"end":702.24,"sentiment":"neutral","sentiment_score":0.03191886842250824},{"text":"So it's just how much you sort of willing to to cover for an event that something like that did happen for your family at the at the end of the day.","start":702.24,"end":710.205,"sentiment":"neutral","sentiment_score":0.04461259499657899},{"text":"Obviously, if you had, like, IP and TPD and things like that, it might be a little bit different because if you're not able to work, you might be able to sort of claim on one of those other insurances.","start":710.825,"end":720.205,"sentiment":"neutral","sentiment_score":-0.2509161502122879},{"text":"But given it's only the life policy, it's of no real benefit to you in the sense.","start":720.34503,"end":724.93994,"sentiment":"negative","sentiment_score":-0.5251221744453206}],"sentiment":"neutral","sentiment_score":-0.15024362366089475,"num_words":107,"start":691.655,"end":724.93994},{"sentences":[{"text":"It's more so what you're leaving behind for the family, if that makes sense.","start":724.93994,"end":728.16,"sentiment":"neutral","sentiment_score":-0.20379568104233062},{"text":"Yep.","start":733.33997,"end":733.83997,"sentiment":"neutral","sentiment_score":0.008303126320242882},{"text":"Yep.","start":741.915,"end":742.415,"sentiment":"neutral","sentiment_score":0.07691067457199097},{"text":"Yep.","start":760.81,"end":761.31,"sentiment":"neutral","sentiment_score":0.08001931756734848},{"text":"Yes.","start":762.03503,"end":762.53503,"sentiment":"neutral","sentiment_score":0.048903726041316986}],"sentiment":"neutral","sentiment_score":-0.14661126056065163,"num_words":18,"start":724.93994,"end":762.53503},{"sentences":[{"text":"No.","start":766.515,"end":767.015,"sentiment":"neutral","sentiment_score":-0.21319302916526792},{"text":"Well, in in that sense, like you said, it is a bit of a forced savings.","start":768.515,"end":772.03503,"sentiment":"neutral","sentiment_score":-0.10064366669394076},{"text":"The one thing with it is given, you know, your age till six, you still would be locking the money away for, you know, that sort of six year time frame before you'd be looking at getting any sort of access to it or benefit to it.","start":772.03503,"end":782.78,"sentiment":"neutral","sentiment_score":-0.05118286704763453},{"text":"If it's something that, you know, given that you paid down, like, a fair bit of mortgage, you don't have too much debt and you just wanna, you know, focus on the retirement just a little bit.","start":782.78,"end":790.695,"sentiment":"neutral","sentiment_score":0.03700097292863034},{"text":"Any sort of money can sort of contribute to help to go into that.","start":791.655,"end":794.295,"sentiment":"neutral","sentiment_score":0.09213646554521152}],"sentiment":"neutral","sentiment_score":-0.013653390708824863,"num_words":115,"start":766.515,"end":794.295},{"sentences":[{"text":"In terms of, like, knocking you out of a a tax bracket, it won't exactly do that for you because you're kinda banksmacking the the middle of one there.","start":794.295,"end":802.395,"sentiment":"neutral","sentiment_score":-0.13789184417190223},{"text":"Go I'd help you in that sense.","start":803.255,"end":804.60004,"sentiment":"neutral","sentiment_score":0.300636778984751},{"text":"It would just be a bit of a forced savings, a bit of an additional contribution to super because it is compounding, obviously.","start":804.60004,"end":809.82,"sentiment":"neutral","sentiment_score":0.2182937167260958},{"text":"I know a lot of people that do even just the $25 a week because they feel like, you know, a dollar invested today is better than, you know, spend on a McDonald's meal tomorrow.","start":810.52,"end":819.455,"sentiment":"positive","sentiment_score":0.5373129759516034},{"text":"So that is an option.","start":821.11505,"end":822.335,"sentiment":"neutral","sentiment_score":0.19825953543186187}],"sentiment":"neutral","sentiment_score":0.23155152820276492,"num_words":99,"start":794.295,"end":822.335},{"sentences":[{"text":"Yeah.","start":826.635,"end":826.955,"sentiment":"neutral","sentiment_score":0.29589855670928955},{"text":"And then with that, like, the the take home, like, if even if you did, like, the $100 a month, take home for your current salary, you know, you would be taking home less than what you would be if it was, like, going invested into super because you've gone that, like, 30% plus Medicare.","start":826.955,"end":842.58,"sentiment":"neutral","sentiment_score":0.16868022030050103},{"text":"So it's, like, 32% roughly of what you're sort of getting charged in terms of, like, tax.","start":842.58,"end":848.215,"sentiment":"neutral","sentiment_score":0.10297240974271998},{"text":"You're taking home, you know, a bit under, you know, $70 or, like, a month for that $100.","start":848.675,"end":854.275,"sentiment":"neutral","sentiment_score":0.1771877660519547},{"text":"But if you put into super, you get to invest $85 of that into your superannuation because it's taxed at 15%.","start":854.275,"end":860.81,"sentiment":"positive","sentiment_score":0.3565185907341185}],"sentiment":"neutral","sentiment_score":0.1964295699394175,"num_words":112,"start":826.635,"end":860.81},{"sentences":[{"text":"So you get a little bit more of a benefit in that sense as well that you do save on a little bit of a tax, and you do have a higher amount that is invested as well.","start":860.81,"end":868.43,"sentiment":"positive","sentiment_score":0.5548612561665083},{"text":"Obviously, we can look into, yeah, salary sacrifice strategies and things like that and show you what it looks like in terms of if you're just happy with an amount you're foregoing and things like that as well.","start":871.45,"end":881.575,"sentiment":"positive","sentiment_score":0.36875360223807785},{"text":"You can just, like, you know, talk to your payroll and just go, hey.","start":881.575,"end":884.655,"sentiment":"neutral","sentiment_score":0.2424780683858054},{"text":"I wanna start a salary sacrifice arrangement as well, if that all makes sense.","start":884.655,"end":891.89996,"sentiment":"neutral","sentiment_score":0.2687277461269072},{"text":"Yeah.","start":908.615,"end":909.115,"sentiment":"neutral","sentiment_score":0.02466436848044395}],"sentiment":"positive","sentiment_score":0.40265628943840664,"num_words":105,"start":860.81,"end":909.115},{"sentences":[{"text":"Yeah.","start":910.695,"end":910.95,"sentiment":"neutral","sentiment_score":0.19145599007606504},{"text":"It kinda just depends on what your goals are.","start":911.11,"end":913.27,"sentiment":"neutral","sentiment_score":0.23957095709111956},{"text":"Like, if you your main goal is to, you know, be debt free in retirement, you know, might wanna be focusing on paying down the mortgage.","start":913.27,"end":919.99,"sentiment":"neutral","sentiment_score":0.22884996980428696},{"text":"I'm assuming, like, the interest rate on that is probably, you know, around the 4.5 something percent in terms of that.","start":919.99,"end":926.25,"sentiment":"neutral","sentiment_score":0.15004402824810573},{"text":"So, you know yeah.","start":926.505,"end":928.825,"sentiment":"neutral","sentiment_score":0.11565718613564968}],"sentiment":"neutral","sentiment_score":0.19526634682885935,"num_words":61,"start":910.695,"end":928.825},{"sentences":[{"text":"So money going on to that, like, essentially, you're offsetting that percentage of interest that you would have to pay given that it's not a deduction because it's, like, a non investment property versus, like, within superannuation and your your super is performing quite well and, you know, you are getting an a nice return, that's the return you'd be getting on that money as opposed to, like, having it on the mortgage and offsetting the interest.","start":928.825,"end":949.60004,"sentiment":"positive","sentiment_score":0.36036158730457357},{"text":"So it's like, do you wanna save on on interest, or do you wanna have it accumulating a little bit more towards retirement at a later date sort of thing as well?","start":949.60004,"end":957.32495,"sentiment":"neutral","sentiment_score":0.26385522820055485},{"text":"But like you said, a little bit of the the case is, you know, it might not end up on the mortgage.","start":959.305,"end":964.105,"sentiment":"neutral","sentiment_score":0.00018427520990371704},{"text":"It might just end up, you know, bit more leisure activities and things like that as well depending on where you sort of at with things.","start":964.105,"end":973.09,"sentiment":"neutral","sentiment_score":0.060523989682014175},{"text":"Yeah.","start":973.47003,"end":973.97003,"sentiment":"neutral","sentiment_score":0.19229355454444885}],"sentiment":"neutral","sentiment_score":0.2402606383909153,"num_words":158,"start":928.825,"end":973.97003},{"sentences":[{"text":"So it's definitely an option, something to consider.","start":974.11,"end":976.51,"sentiment":"positive","sentiment_score":0.34106267988681793},{"text":"If you did want us to sorta show you, like, some tables and what that sorta looks like.","start":976.51,"end":980.75,"sentiment":"neutral","sentiment_score":0.13089649503429732},{"text":"Obviously, projections to always be taken with that crane of salt in terms of like that.","start":980.75,"end":985.05505,"sentiment":"neutral","sentiment_score":-0.03508850990328938},{"text":"But, you know, twelve month performance in your super even with what happened with the war in in Ukraine and things like that as well, you still did 9.11% after fees, which is still really, really good given it's a growth portfolio and given what has occurred there currently in regards to the the world politics stage at the moment.","start":985.05505,"end":1004.86,"sentiment":"positive","sentiment_score":0.39873053058981894},{"text":"Obviously, we're looking at doing a bit of an update at the moment just to remove that ban along just because of how it has performed.","start":1005.4,"end":1011.88,"sentiment":"neutral","sentiment_score":0.05030689345529446}],"sentiment":"neutral","sentiment_score":0.23246119731629733,"num_words":128,"start":974.11,"end":1011.88},{"sentences":[{"text":"I don't know if you remember our previous discussion and then getting you a bit of an update there.","start":1011.88,"end":1017.685,"sentiment":"neutral","sentiment_score":0.034725511152493324},{"text":"But in saying that down the track too, we can also, you know, show you what some salary sacrifice and things that that looks like.","start":1018.305,"end":1023.585,"sentiment":"neutral","sentiment_score":0.15660750091075898},{"text":"But if you're happy just doing it yourself as well, like I said, if your if your employer is happy to do it, it's as simple as just going to them and doing it as well.","start":1023.585,"end":1031.6901,"sentiment":"positive","sentiment_score":0.466712919374307},{"text":"Perfect.","start":1036.79,"end":1037.29,"sentiment":"positive","sentiment_score":0.6690317392349243},{"text":"Do you have any other questions in regards to that at all?","start":1038.0701,"end":1043.6849,"sentiment":"neutral","sentiment_score":0.16123049333691597}],"sentiment":"neutral","sentiment_score":0.2578541396926808,"num_words":93,"start":1011.88,"end":1043.6849},{"sentences":[{"text":"Right.","start":1043.6849,"end":1044.1849,"sentiment":"neutral","sentiment_score":0.0864168033003807},{"text":"Obviously, in regards to, like, projecting out retirement, that is why we didn't look at that because you sort of aiming at that 67 at the moment.","start":1045.845,"end":1052.605,"sentiment":"neutral","sentiment_score":0.035427198779803735},{"text":"I don't know if that would change.","start":1052.605,"end":1053.765,"sentiment":"neutral","sentiment_score":-0.12593293615749904},{"text":"So it's just it's a rough age based on what we have sort of stated previously.","start":1053.765,"end":1058.16,"sentiment":"neutral","sentiment_score":0.010165483341552317},{"text":"You know, you might wanna start taking a little bit out at 60 and things like that, but we're not gonna project anything until you got a bit more hard and fast since probably a few years away.","start":1058.16,"end":1065.7001,"sentiment":"neutral","sentiment_score":-0.059443615278915354}],"sentiment":"neutral","sentiment_score":-0.021739202582936608,"num_words":89,"start":1043.6849,"end":1065.7001},{"sentences":[{"text":"But at the moment, you have more than adequate amount of risk being in a growth, that eighty twenty split, it's still, you know, got a nice time horizon to remain invested, that sort of seven to eight year time frame in holding that investment for the returns there as well.","start":1066.4,"end":1080.755,"sentiment":"neutral","sentiment_score":0.20296310648029925},{"text":"Another option for you that we didn't sort of do just because I know you stated you're happy with how your contributions are going in, you can move them back to AMP just to ensure that, you know, you do have a nice balance going in there, but we're putting enough money back there at the moment to at least cover another year's worth of premiums, and it should still be above the 10,000 at that point as well.","start":1081.375,"end":1100.377,"sentiment":"neutral","sentiment_score":0.30326361237447474},{"text":"As far as the investment switches, it'll be on page 14.","start":1100.377,"end":1104.357,"sentiment":"neutral","sentiment_score":0.0962996008721265},{"text":"It shows you the buyers and the sales.","start":1104.357,"end":1107.2517,"sentiment":"neutral","sentiment_score":0.1484810020774603},{"text":"So the major things that we're selling out of then is BHYB with some bank hybrids.","start":1107.2517,"end":1113.75,"sentiment":"neutral","sentiment_score":0.054364459589123726}],"sentiment":"neutral","sentiment_score":0.22682375022859286,"num_words":165,"start":1066.4,"end":1113.75},{"sentences":[{"text":"They're a defensive asset.","start":1113.75,"end":1114.87,"sentiment":"neutral","sentiment_score":0.07979958318173885},{"text":"They're just getting phased out, unfortunately.","start":1114.87,"end":1116.57,"sentiment":"neutral","sentiment_score":-0.2429135466615359},{"text":"The government doesn't like them anymore.","start":1116.95,"end":1118.8099,"sentiment":"negative","sentiment_score":-0.43057863414287567},{"text":"So with that, they'll be gone by 2032, so we're just being a little bit more proactive with that.","start":1119.43,"end":1123.665,"sentiment":"neutral","sentiment_score":-0.07611751438755739},{"text":"We're moving away from Banyan and Lithium Tech and then also you've been along Australian managed fund.","start":1123.985,"end":1128.5651,"sentiment":"neutral","sentiment_score":-0.011159473701434977}],"sentiment":"neutral","sentiment_score":-0.10303266496899036,"num_words":52,"start":1113.75,"end":1128.5651},{"sentences":[{"text":"So we are making you in a bit more of a passive account, which does help with that volatility as well, especially with what's happening in the world and also a bit like, also to your risk tolerance and, you know, the volatility of the ups and the downs and relying on a fund manager to pick the right winners where, obviously, the Bennelong Fund that you do hold, even though it's not a major portion of your portfolio, did have a quite a backward step just due to some decisions and, obviously, investing there as well, which impacted your portfolio's performance a bit.","start":1128.625,"end":1153.955,"sentiment":"neutral","sentiment_score":-0.057351627225915976},{"text":"You'll also be selling out of the Australian property investment you do hold and then also the RAFT Australian 200, which is like the top Australian 200 companies, but it's basically calculated a little bit differently.","start":1155.215,"end":1167.9601,"sentiment":"neutral","sentiment_score":-0.048193241780002914},{"text":"With that, you'll be going into a bit of exposure in Europe, Japan, and then Vanguard Orwell, which is like all your investments that hold outside of The US, bit of exposure in that Asia, Europe market as well, and then the BetaShares Australian 200, which is the top 200 companies in Australia.","start":1168.9801,"end":1185.625,"sentiment":"neutral","sentiment_score":0.1078520158551774},{"text":"And then the rest of it will just be adjusted slightly.","start":1186.565,"end":1188.805,"sentiment":"neutral","sentiment_score":0.11448204856027257}],"sentiment":"neutral","sentiment_score":-0.0035493458876861075,"num_words":204,"start":1128.625,"end":1188.805},{"sentences":[{"text":"So S and P 500 will remain the core of your portfolio and even have just a slightly higher weighting.","start":1188.805,"end":1193.86,"sentiment":"positive","sentiment_score":0.3448294587433338},{"text":"And then the rest of your core will be that BetaShares Australian two hundred, and the other ones are a little bit more satellite approach where they're, you know, in the bit more of the emerging market space to because, like, they do have that little bit more volatility just to aim for a little bit more growth and diversification as well, if that makes sense.","start":1194.08,"end":1212.495,"sentiment":"neutral","sentiment_score":0.19849865748123688},{"text":"I know, obviously, I'm rushing through it a little bit through.","start":1212.5549,"end":1215.135,"sentiment":"neutral","sentiment_score":-0.007338734512979334},{"text":"Just trying to get through it there.","start":1215.195,"end":1216.655,"sentiment":"neutral","sentiment_score":0.02568936667272023},{"text":"Now in regards to the allocations there, so the aims are on the eighty twenty sort of split.","start":1217.61,"end":1222.81,"sentiment":"neutral","sentiment_score":0.10296299929420154}],"sentiment":"neutral","sentiment_score":0.17991749215565744,"num_words":122,"start":1188.805,"end":1222.81},{"sentences":[{"text":"In regards to that one, you are currently around 82% growth and around 18% defensive.","start":1222.81,"end":1228.41,"sentiment":"neutral","sentiment_score":0.25758084158102673},{"text":"This does bump you up a little bit to 86% growth and around, you know, that 14% defensive.","start":1228.41,"end":1234.015,"sentiment":"neutral","sentiment_score":0.32786335713333553},{"text":"Now within regards to that, they have considered gold a total growth asset, which it can be considered defensive as well, which does increase it a little bit in terms of that.","start":1234.235,"end":1242.635,"sentiment":"neutral","sentiment_score":0.29039498092606664},{"text":"And then also in regards to that one, you may increase the amount of growth assets you hold slightly, but you are also reducing the manager risk by not having those managed funds and then tracking those indexes, which not only, you know, reduces your risk in terms of, like, they can pick some some bad winners, but it also, in regards to that, is more expensive having those managed funds.","start":1242.635,"end":1262.76,"sentiment":"neutral","sentiment_score":0.1756207374200015},{"text":"So you'll be saving on fees moving forward for administration costs as 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towards investment growth at the end of the day, which is nice.","start":1284.7799,"end":1290.4249,"sentiment":"positive","sentiment_score":0.6312094046956017}],"sentiment":"positive","sentiment_score":0.33937416536929577,"num_words":76,"start":1267.195,"end":1290.4249},{"sentences":[{"text":"The back end of the advice document there is just in regards to establishing a will power of attorney.","start":1291.445,"end":1295.5449,"sentiment":"neutral","sentiment_score":0.13036490074898066},{"text":"Those sort of steps and the benefits and disadvantages, obviously, at the moment too, we're changing up investments within regards to what happening at the moment.","start":1295.845,"end":1303.77,"sentiment":"neutral","sentiment_score":0.02965944303342929},{"text":"There is quite volatile market, but in saying that, given that you still have quite a lot of time till retirement as well, that if you did miss a few percent of, like, selling to to cash and then it going up slightly before you reinvest, it's not gonna absolutely hinder you.","start":1303.77,"end":1316.775,"sentiment":"neutral","sentiment_score":-0.03726500523491548},{"text":"It obviously just might sting just a tiny bit.","start":1316.775,"end":1319.115,"sentiment":"neutral","sentiment_score":-0.2237355477280087},{"text":"But in saying that if it goes the other way as well, if there was a bit of a a drop while you're in cash and you buy back in, you sort of set yourself up a little bit more for a bit more growth on the the rebound.","start":1319.175,"end":1329.46,"sentiment":"neutral","sentiment_score":0.008273089874763878}],"sentiment":"neutral","sentiment_score":-0.0019221946116416684,"num_words":155,"start":1291.445,"end":1329.46},{"sentences":[{"text":"But in saying that, wars, you know, as bad as I sound, they are, like, a little bit of a blip on the radar for long term superannuation investments.","start":1329.46,"end":1337.56,"sentiment":"neutral","sentiment_score":-0.21423703342162329},{"text":"It's not like sort of terrorist tax things like COVID.","start":1337.62,"end":1339.96,"sentiment":"neutral","sentiment_score":-0.12668073698878288},{"text":"They do recover, like, quite a bit quicker once it sort of stops.","start":1340.105,"end":1343.5651,"sentiment":"neutral","sentiment_score":0.08291905717207836}],"sentiment":"neutral","sentiment_score":-0.12311026145919012,"num_words":52,"start":1329.46,"end":1343.5651}]}}]},{"alternatives":[{"transcript":"Hello. Andrew speaking. I'm well. And you? Yes. Yep. Yep. Andrew Wayne Cameron. Date of birth, twenty sixth July seventy one. Home address is Fort Terry Avenue, Seven Hills. No. I mean, yeah, everything's pretty much the same. Yep. Cool. That's right. Okay. Yeah. Okay. Okay. Sorry. I'm I'm in the car. I'm parked. Yeah. No. That's good. Yeah. I just wasn't able to find the time where I was guaranteed that I would be, like, during work business hours. So I had to schedule this at the end of my day somewhere in New York. Yeah. Yep. Yep. Yeah. Oh, yeah. That'd be helpful. Yeah. Okay. Yeah. Okay. Yep. Mhmm. Okay. Yeah. Mhmm. Okay. No. That I think we need to do that just to keep the insurance going. But I guess, when do you think, you know, the the insurance is costing a lot? When when do you think, you know, you can kinda go, okay. Time to stop paying the insurance and, you know, put the money into super. Like, let it let it go in, like, with the hub twenty four money. Yep. Sure. I have to die for it to be of any benefit to somebody else. Yeah. I know. Yeah. Alright. Now sorry. I'll just get one other question. So I I work with a lot of old like, we're a bus driver, so a lot of our employees or my my colleagues are, like, older. And, you know, is I've just been thinking, like, they talk a lot about super and been thinking about salary sacrificing just a little bit into super just to almost like to make sure that I'm actually saving some of my current income and having it do something worthwhile for the future. Is there a minimum that's, you know, like, worthwhile? Yeah. Yeah. I guess I'd rather put some aside that some benefit that kind of I won't miss it. Yeah. Okay. Alright. Well, thanks a bit. Yep. Yeah. Oh, he said the boss has said, yeah, he's happy to do it for like, he does it for, like, a lot of a lot of the guys put in, like, a big percentage just to you know, they're really, like, topping up their super and just I don't really really know what they're doing, but yeah. So it's not a problem for the employer. Yeah. It's on my note. Yeah. Yeah. Yeah. Yeah. Oh, yeah. Alright. Okay. No. That's it. Sure. Yeah. Okay. Yep. Okay. Yeah. No sense. You Yeah. Sure. Alright. Yeah. Yeah. 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Andrew speaking. I'm well. And you? Yes.\n\nYep. Yep. Andrew Wayne Cameron. Date of birth, twenty sixth July seventy one. Home address is Fort Terry Avenue, Seven Hills.\n\nNo. I mean, yeah, everything's pretty much the same. Yep. Cool. That's right.\n\nOkay. Yeah. Okay. Okay. Sorry.\n\nI'm I'm in the car. I'm parked. Yeah. No. That's good.\n\nYeah. I just wasn't able to find the time where I was guaranteed that I would be, like, during work business hours. So I had to schedule this at the end of my day somewhere in New York. Yeah. Yep.\n\nYep. Yeah. Oh, yeah. That'd be helpful. Yeah.\n\nOkay. Yeah. Okay. Yep. Mhmm.\n\nOkay. Yeah. Mhmm. Okay. No.\n\nThat I think we need to do that just to keep the insurance going. But I guess, when do you think, you know, the the insurance is costing a lot? When when do you think, you know, you can kinda go, okay. Time to stop paying the insurance and, you know, put the money into super. Like, let it let it go in, like, with the hub twenty four money.\n\nYep. Sure. I have to die for it to be of any benefit to somebody else. Yeah. I know.\n\nYeah. Alright. Now sorry. I'll just get one other question. So I I work with a lot of old like, we're a bus driver, so a lot of our employees or my my colleagues are, like, older.\n\nAnd, you know, is I've just been thinking, like, they talk a lot about super and been thinking about salary sacrificing just a little bit into super just to almost like to make sure that I'm actually saving some of my current income and having it do something worthwhile for the future. Is there a minimum that's, you know, like, worthwhile? Yeah. Yeah. I guess I'd rather put some aside that some benefit that kind of I won't miss it.\n\nYeah. Okay. Alright. Well, thanks a bit. Yep.\n\nYeah. Oh, he said the boss has said, yeah, he's happy to do it for like, he does it for, like, a lot of a lot of the guys put in, like, a big percentage just to you know, they're really, like, topping up their super and just I don't really really know what they're doing, but yeah. So it's not a problem for the employer. Yeah. It's on my note.\n\nYeah. Yeah. Yeah. Yeah. Oh, yeah.\n\nAlright. Okay. No. That's it. Sure.\n\nYeah. Okay. Yep. Okay. Yeah.\n\nNo sense. You Yeah. Sure. Alright. Yeah.\n\nYeah. 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helpful.","start":306.26,"end":307.16,"sentiment":"neutral","sentiment_score":0.2945486009120941},{"text":"Yeah.","start":317.01498,"end":317.255,"sentiment":"neutral","sentiment_score":0.10264766216278076}],"sentiment":"neutral","sentiment_score":0.1571851782500744,"num_words":8,"start":250.89,"end":317.255},{"sentences":[{"text":"Okay.","start":317.255,"end":317.755,"sentiment":"neutral","sentiment_score":0.101202555000782},{"text":"Yeah.","start":343.245,"end":343.745,"sentiment":"neutral","sentiment_score":0.13426682353019714},{"text":"Okay.","start":348.685,"end":349.185,"sentiment":"neutral","sentiment_score":0.22490976750850675},{"text":"Yep.","start":381.365,"end":381.865,"sentiment":"neutral","sentiment_score":0.1067742556333542},{"text":"Mhmm.","start":412.92,"end":413.4,"sentiment":"neutral","sentiment_score":0.031770624220371246}],"sentiment":"neutral","sentiment_score":0.11978480517864228,"num_words":5,"start":317.255,"end":413.4},{"sentences":[{"text":"Okay.","start":413.4,"end":413.9,"sentiment":"neutral","sentiment_score":0.12520164251327515},{"text":"Yeah.","start":486.14502,"end":486.64502,"sentiment":"neutral","sentiment_score":0.1376674771308899},{"text":"Mhmm.","start":552.86005,"end":553.36005,"sentiment":"neutral","sentiment_score":0.06491384655237198},{"text":"Okay.","start":553.74005,"end":554.24005,"sentiment":"neutral","sentiment_score":0.06812020391225815},{"text":"No.","start":562.165,"end":562.485,"sentiment":"neutral","sentiment_score":-0.09797845780849455}],"sentiment":"neutral","sentiment_score":0.05958494246006012,"num_words":5,"start":413.4,"end":562.485},{"sentences":[{"text":"That I think we need to do that just to keep the insurance going.","start":562.485,"end":565.685,"sentiment":"neutral","sentiment_score":-0.1910958710525717},{"text":"But I guess, when do you think, you know, the the insurance is costing a lot?","start":565.685,"end":571.065,"sentiment":"neutral","sentiment_score":-0.24031702242791653},{"text":"When when do you think, you know, you can kinda go, okay.","start":572.245,"end":576.34,"sentiment":"neutral","sentiment_score":-0.05782366916537285},{"text":"Time to stop paying the insurance and, you know, put the money into super.","start":576.4,"end":580.9,"sentiment":"neutral","sentiment_score":-0.14318145332591875},{"text":"Like, let it let it go in, like, with the hub twenty four money.","start":581.68,"end":586.82,"sentiment":"neutral","sentiment_score":0.10465464155588831}],"sentiment":"neutral","sentiment_score":-0.11076677069067956,"num_words":70,"start":562.485,"end":586.82},{"sentences":[{"text":"Yep.","start":630.75,"end":631.25,"sentiment":"neutral","sentiment_score":0.06735999882221222},{"text":"Sure.","start":697.23,"end":697.545,"sentiment":"neutral","sentiment_score":-0.04992058873176575},{"text":"I have to die for it to be of any benefit to somebody else.","start":697.945,"end":701.005,"sentiment":"neutral","sentiment_score":-0.19572238730532782},{"text":"Yeah.","start":709.385,"end":709.545,"sentiment":"neutral","sentiment_score":0.0544966384768486},{"text":"I know.","start":709.545,"end":710.125,"sentiment":"neutral","sentiment_score":-0.00877210684120655}],"sentiment":"neutral","sentiment_score":-0.14135376775735303,"num_words":19,"start":630.75,"end":710.125},{"sentences":[{"text":"Yeah.","start":728.805,"end":729.305,"sentiment":"neutral","sentiment_score":-0.057187408208847046},{"text":"Alright.","start":730.325,"end":730.72504,"sentiment":"neutral","sentiment_score":0.011201009154319763},{"text":"Now sorry.","start":730.72504,"end":731.365,"sentiment":"neutral","sentiment_score":-0.052544716745615005},{"text":"I'll just get one other question.","start":731.365,"end":732.72504,"sentiment":"neutral","sentiment_score":-0.021127966387818258},{"text":"So I I work with a lot of old like, we're a bus driver, so a lot of our employees or my my colleagues are, like, older.","start":732.72504,"end":741.305,"sentiment":"neutral","sentiment_score":-0.04268552273235939}],"sentiment":"neutral","sentiment_score":-0.03865818228773974,"num_words":37,"start":728.805,"end":741.305},{"sentences":[{"text":"And, you know, is I've just been thinking, like, they talk a lot about super and been thinking about salary sacrificing just a little bit into super just to almost like to make sure that I'm actually saving some of my current income and having it do something worthwhile for the future.","start":741.92,"end":759.955,"sentiment":"neutral","sentiment_score":0.1448296044881527},{"text":"Is there a minimum that's, you know, like, worthwhile?","start":762.175,"end":770.54,"sentiment":"neutral","sentiment_score":-0.04085893225338724},{"text":"Yeah.","start":803.16003,"end":803.565,"sentiment":"neutral","sentiment_score":0.11918672174215315},{"text":"Yeah.","start":819.64,"end":820.14,"sentiment":"neutral","sentiment_score":0.31050625443458557},{"text":"I guess I'd rather put some aside that some benefit that kind of I won't miss it.","start":820.92,"end":825.5,"sentiment":"neutral","sentiment_score":0.2726898394963321}],"sentiment":"neutral","sentiment_score":0.152860366133973,"num_words":80,"start":741.92,"end":825.5},{"sentences":[{"text":"Yeah.","start":868.955,"end":869.35504,"sentiment":"neutral","sentiment_score":0.24289783835411072},{"text":"Okay.","start":869.35504,"end":869.85504,"sentiment":"neutral","sentiment_score":0.24581238627433777},{"text":"Alright.","start":871.435,"end":871.935,"sentiment":"neutral","sentiment_score":0.2590443789958954},{"text":"Well, thanks a bit.","start":871.995,"end":873.135,"sentiment":"positive","sentiment_score":0.3465365543961525},{"text":"Yep.","start":888.11505,"end":888.61505,"sentiment":"neutral","sentiment_score":0.212261825799942}],"sentiment":"neutral","sentiment_score":0.293270330876112,"num_words":8,"start":868.955,"end":888.61505},{"sentences":[{"text":"Yeah.","start":890.195,"end":890.435,"sentiment":"neutral","sentiment_score":0.27399373054504395},{"text":"Oh, he said the boss has said, yeah, he's happy to do it for like, he does it for, like, a lot of a lot of the guys put in, like, a big percentage just to you know, they're really, like, topping up their super and just I don't really really know what they're doing, but yeah.","start":890.435,"end":907.69,"sentiment":"neutral","sentiment_score":0.32845773247250337},{"text":"So it's not a problem for the employer.","start":907.99,"end":909.69,"sentiment":"neutral","sentiment_score":0.11265059746801853},{"text":"Yeah.","start":926.745,"end":926.90497,"sentiment":"neutral","sentiment_score":0.16581621766090393},{"text":"It's on my note.","start":926.90497,"end":928.125,"sentiment":"neutral","sentiment_score":0.11113244108855724}],"sentiment":"neutral","sentiment_score":0.28883993300333827,"num_words":71,"start":890.195,"end":928.125},{"sentences":[{"text":"Yeah.","start":958.205,"end":958.705,"sentiment":"neutral","sentiment_score":0.11144156754016876},{"text":"Yeah.","start":969.41,"end":969.91,"sentiment":"neutral","sentiment_score":0.02878592163324356},{"text":"Yeah.","start":972.29,"end":972.79,"sentiment":"neutral","sentiment_score":0.032017409801483154},{"text":"Yeah.","start":984.53503,"end":985.03503,"sentiment":"neutral","sentiment_score":0.03316677734255791},{"text":"Oh, yeah.","start":1005.66003,"end":1006.64,"sentiment":"neutral","sentiment_score":0.07372845336794853}],"sentiment":"neutral","sentiment_score":0.05881143050889174,"num_words":6,"start":958.205,"end":1006.64},{"sentences":[{"text":"Alright.","start":1033.5599,"end":1034.0599,"sentiment":"positive","sentiment_score":0.3418623208999634},{"text":"Okay.","start":1035.7949,"end":1036.2949,"sentiment":"positive","sentiment_score":0.4681454300880432},{"text":"No.","start":1040.995,"end":1041.475,"sentiment":"neutral","sentiment_score":0.04678892344236374},{"text":"That's it.","start":1041.475,"end":1042.2949,"sentiment":"neutral","sentiment_score":0.05585356056690216},{"text":"Sure.","start":1054.99,"end":1055.49,"sentiment":"neutral","sentiment_score":0.02731669135391712}],"sentiment":"neutral","sentiment_score":0.1659700811530153,"num_words":6,"start":1033.5599,"end":1055.49},{"sentences":[{"text":"Yeah.","start":1066.605,"end":1067.105,"sentiment":"neutral","sentiment_score":0.05426955968141556},{"text":"Okay.","start":1100.935,"end":1101.435,"sentiment":"neutral","sentiment_score":0.09441544860601424},{"text":"Yep.","start":1124.4451,"end":1124.9451,"sentiment":"neutral","sentiment_score":-0.016207009553909302},{"text":"Okay.","start":1212.555,"end":1212.875,"sentiment":"neutral","sentiment_score":0.05944225192070007},{"text":"Yeah.","start":1212.875,"end":1213.1951,"sentiment":"neutral","sentiment_score":0.024434994906187057}],"sentiment":"neutral","sentiment_score":0.04327104911208153,"num_words":5,"start":1066.605,"end":1213.1951},{"sentences":[{"text":"No sense.","start":1213.1951,"end":1213.5951,"sentiment":"neutral","sentiment_score":-0.08707062900066376},{"text":"You Yeah.","start":1213.5951,"end":1216.255,"sentiment":"neutral","sentiment_score":-0.02292565628886223},{"text":"Sure.","start":1268.895,"end":1269.395,"sentiment":"positive","sentiment_score":0.4082958400249481},{"text":"Alright.","start":1270.975,"end":1271.475,"sentiment":"positive","sentiment_score":0.45263049006462097},{"text":"Yeah.","start":1338.4401,"end":1338.9401,"sentiment":"neutral","sentiment_score":-0.03468044847249985}],"sentiment":"neutral","sentiment_score":0.0866076158625739,"num_words":7,"start":1213.1951,"end":1338.9401},{"sentences":[{"text":"Yeah.","start":1349.8351,"end":1350.235,"sentiment":"neutral","sentiment_score":0.07003998756408691},{"text":"Okay.","start":1350.235,"end":1350.735,"sentiment":"neutral","sentiment_score":-0.08004208654165268}],"sentiment":"neutral","sentiment_score":-0.005001049488782883,"num_words":2,"start":1349.8351,"end":1350.735}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Andrew speaking.\n\nChannel 0: Good afternoon, Andrew. It's Kyle calling from OPU Financial. How are you today?\n\nChannel 1: I'm well. And you?\n\nChannel 0: Yeah. Not too bad at all. Thanks. I've got you scheduled in for your statement of advice presentation. Is now still a good time for\n\nChannel 1: Yes.\n\nChannel 0: you?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Just to get stuck into that one today there, Andrew, if I could just pass through security with that name, date of birth, and current address, we can get stuck into that one today.\n\nChannel 1: Yep. Andrew Wayne Cameron. Date of birth, twenty sixth July seventy one. Home address is Fort Terry Avenue, Seven\n\nChannel 0: Yep. Perfect. Thank you for that one. And\n\nChannel 1: Hills.\n\nChannel 0: just given the little bit of time that has elapsed there since we last spoke to Andrew, isn't you've had any significant changes in regards to, you know, your circumstances, financial, personal, or otherwise?\n\nChannel 1: No. I mean, yeah, everything's pretty much the same.\n\nChannel 0: Perfect. Just wanna confirm that. So within regards to today, it is quite a a simple update. I know it was mainly due to wanting to review those investments following our discussion there as well. This will just be going out to your email, acameron2@bigpond.com.\n\nIs that still\n\nChannel 1: Yep.\n\nChannel 0: accurate?\n\nChannel 1: Cool.\n\nChannel 0: Perfect.\n\nChannel 1: That's right.\n\nChannel 0: I definitely know these calls are recorded for quality and training purposes there as well, and then this will be there shortly. Now in regards to the documents that are attached there as well, you'll have the same advisory appendix to that, the Oakview services guide and Oakview financial services guide as well, and then a little bit of information on Hub 24, your current product that you do have. Just in regards to that, we're not recommending any new products. So it's not too difficult in the sense of, like, additional documentation you need to go through to get your head around some some new products, but that should be with you there shortly. Now\n\nChannel 1: Okay.\n\nChannel 0: just given the time terms are being finalized and getting you booked in, it was finalized or, like, the start date there, the 03/02/2026, and then getting the document done and getting you booked back in. So it is valid for sixty days as long as you've, like, confirmed your details, which you have. So you've got until sort of next month to be able to sign that. But, you know, if you've got any sort of questions, things like that, I'd recommend sort of, you know, taking away this week and have a few a bit of a read of it and make sure you're happy with everything if you have any questions to come back as\n\nChannel 1: Yeah. Okay.\n\nChannel 0: well. Perfect. So it is prepared for yourself by myself, Kyle Goodings, as a authorized representative under Financial. Now in regards to that, you do have the best interest duty at the the top there, which is just basically, if we can't put you in a better position, we wouldn't recommend it. So that's what that one is there.\n\nAnd by now, hopefully, you've received an email with that document that you can review there, Andrew.\n\nChannel 1: Okay. Sorry. I'm I'm in the car. I'm parked.\n\nChannel 0: Oh, okay. No problem. What I can do then if you sort of don't wanna run through it while you're on the phone there and even if you sort of take off driving, I'll give you a quick rundown of what the actual advice is, and then you can take your time to read through it a little bit more in-depth around the advantages, disadvantages, things like that. How\n\nChannel 1: Yeah.\n\nChannel 0: does that sound?\n\nChannel 1: No. That's good. Yeah. I just wasn't able to find the time where I was guaranteed that I would be, like, during work business hours. So I had to schedule this at the end of my day somewhere in New\n\nChannel 0: Yep.\n\nChannel 1: York.\n\nChannel 0: Not a not a problem, Andrew. Well, I'll make this quick for you so you can get home, and then, obviously, you can have a read through it in your own time, make sure you're satisfied with everything. Now as\n\nChannel 1: Yeah.\n\nChannel 0: far as the advice there, the scope of it, basically, pertaining basically to superannuation and the estate planning side of things. In regards to that, I know you just wanna, you know, make sure it obviously is growing towards your retirement goals and making sure, you know, you're getting enough out of your your superannuation to ensure that, you know, you can afford to to do those things later in life. So\n\nChannel 1: Yep.\n\nChannel 0: we are just looking at doing a review of your investments there, make sure that those are still traveling well. Estate planning matters, obviously, that's always important. The fact that you don't have a will yet, but you're looking into it. We just wanna put this in as a bit of reminder to obviously do that. And then I know you have your your partner there as your beneficiary, so that's fantastic.\n\nWe're looking at keeping that the same. As far as insurances are\n\nChannel 1: Yep.\n\nChannel 0: concerned, I know following the the discussion, you were happy just maintaining your AMP just given, you know, your age is age and sort of not wanting to go back to underwriting given that at the moment. Should things change in the future, we can obviously do a review. But given that you got the the health history there as well, it's likely you would end up some sort of loadings and things like that as well, which means that it's\n\nChannel 1: Yeah.\n\nChannel 0: likely to to cost a bit as well. Not to say that we can't have a look at it if you ever sort of feel like because obviously your premium is creeping up there a little bit, just even sort of doing that process with us when you got a bit more time and just seeing what the pricing might look like and what those terms might be. In regards to stuff we're aware of, but having considered in regards to this as well is just your budgeting savings. I know you sorta, you know, wanna do some minor renovations and do your holidays, things like that as well, but we haven't done any sort of cash flow on budgeting. We can send you the overview budget planner if you'd like to just have for your reference to be able to\n\nChannel 1: Oh, yeah. That'd be helpful.\n\nChannel 0: Yep. It's just a little Excel tool. You know, you can plug it in. It's really good for, you know, finding out that you do have way too many subscriptions and maybe need to cancel a few as well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: We did also check-in here that we're aware of that. Maybe down the track, you may wanna look into that self managed super. But given sort of the information I gave you at the time, you weren't looking to go ahead with that based on the fact you mainly wanted it for looking at getting a property for your your children. But given the arm's length rules, that wouldn't be possible through a self made super. But if you do want a referral to, like, a mortgage broker to look at, like, investment properties as well, we can pass your details along to review\n\nChannel 1: Yeah.\n\nChannel 0: that given that you do have, like, a nice bit of equity in your current home there\n\nChannel 1: Okay.\n\nChannel 0: as well. Perfect. So there's a limited advice only to the superannuation. And in regards to the estate planning side of things, there is limited scope for the insurances just to illustrate some costs and things like that ongoing. As far as the advice to you, quite simply put, it's to partially roll over some of your hub twenty four superannuation to your AMP just to cover those premiums and make sure given that you are contributing majority to hub twenty four that your balance is high enough to be able to facilitate those premiums with that rollover and then\n\nChannel 1: Yep.\n\nChannel 0: retaining that AMP for the meantime just while you have those insurances listed there as well because the balance has dropped low that 10,000. We just wanna top it up, make sure you've got enough there ongoing. And then we review, obviously, the the 12, make sure that and if you haven't opted in, which I believe you have, it's just something to be mindful of as well that you have better visibility with the your current fund with that to be able to maintain those insurances. We're obviously aware of it, and we do follow-up quite regularly, but it's important that you sort of do keep on top of that as well in case we, you know, ever drop the ball just as\n\nChannel 1: Mhmm.\n\nChannel 0: a reminder.\n\nChannel 1: Okay.\n\nChannel 0: And then in regards to your we'll establish a will and establish a power of attorney there as well as far as beneficiaries. That's fine with being the spouse. You can confirm your details there on page seven and eight. Just make sure they are all accurate in regards to asset liabilities, your your occupation, things like that as well. As far as your current position, you got your hub twenty four year AMP and the the life insurance through AMP for around the 550,000, and the premium for that one's around 4,400.\n\nSo we just wanna make sure we're able to pay for that. As far as your risk profile is concerned, still a growth risk profile, that eighty twenty sort of split or around those sort of marks in regards to growth assets versus defensive. So we're looking at keeping that largely the same. The update will change your allocation slightly, but not to any degree that you should be concerned. So as far as the advice, recommending that we roll over to AMP to top it up to 15,000.\n\nNow, obviously, if you were to accept this advice document, they had to organize the forms there for you to be able to do that. They'd probably give you a call and get the updated balance for your AMP super just to make sure that those figures line up. So we are getting to the 15 just with what's going on in the market there as well.\n\nChannel 1: Yeah.\n\nChannel 0: And then we're looking at maintaining the both of those and then just updating the investments within the hub 24. Now in regards to your AMP super, obviously, you're putting a little bit of money in there. It's not really for any purpose other than the insurances. We could look at sort of adjusting the investments within that, but currently, with the way it is invested and the return it is sort of maintaining, and then your current risk profile with the majority of funds being in half twenty four, it's not to the point where it affects your overall risk tolerance too much to where you probably need to adjust those investments at the moment. But we're always happy to review it if you feel like that isn't the case.\n\nBut in regards to your best interest, even with that, your hub twenty four and the investments that you have had have been performing better than the A and P, then if you were to sort of just be in an A and P super fund in return to that, plus you have access to OQ services in regards to that as well. And then with the the change up there, we're just making sure that you're invested in a fund that they have high conviction in moving forward with what's happening in the markets as well.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Do you have any questions in regards to the the strategy there or, moving that across to the AMP or any\n\nChannel 1: No. That I think we need to do that just to keep the insurance going. But I guess, when do you think, you know, the the insurance is costing a lot?\n\nChannel 0: Yep.\n\nChannel 1: When when do you think, you know, you can kinda go, okay. Time to stop paying the insurance and, you know, put the money into super. Like, let it let it go in, like, with the hub twenty four money.\n\nChannel 0: Yep. No. I completely mean what you you you're saying there. So, obviously, insurances is just risk mitigation at the end of the day there as well. At the like, from our previous conversations, obviously, you just wanna hold it just based on the fact that, you know, you do have the the insulin dependency at the moment and then also at the moment, the blood pressure and the the high cholesterol that you would just want to maintain it for the time being.\n\nBecause it is only a life policy, say, you know, you got your blood pressure and cholesterol down to, like, a level that your doctor was happy with and you're not sort of taking medications and you're only diabetic, you may be able to look at a retail policy that may end up being cheaper once you sort of don't have loadings for those types of conditions and things like that or the risk of decline. And then\n\nChannel 1: Yep.\n\nChannel 0: from there, if that isn't the case and you just wanna work towards being self insured, if you've knocked down enough of your primary residence debt to where you feel, hey. If I go, you know, worst case scenario, my superannuation is gonna cover what's left of the mortgage, and then my partner is such. She can, you know, be out ongoing without me, without any financial support, same within regards to to children, things like that as well. If they're all fine and old enough to where they don't rely on you, or do you need those sort of excess funds for the living expenses, you can look to get rid of it and just aim towards growth. Another option well is, yeah, basically, if you were to have an outside sort of super or just look to putting more into super to help become a little bit more, like, self insured, Like, you you don't have to have insurances.\n\nIt's a risk mitigation tool. But, you know, say if you were injured, unable to work tomorrow, you know, to where you know, given that it's not total permanent disability, it still wouldn't help you in the sense of that. It's mainly if you were to go that you're looking after the family and things like that.\n\nChannel 1: Sure. I have to die for it to be of any benefit to somebody else.\n\nChannel 0: Yeah. So it's just how much you sort of willing to to cover for an event that something like that did happen for your family at the at the end\n\nChannel 1: Yeah. I\n\nChannel 0: of\n\nChannel 1: know.\n\nChannel 0: the day. Obviously, if you had, like, IP and TPD and things like that, it might be a little bit different because if you're not able to work, you might be able to sort of claim on one of those other insurances. But given it's only the life policy, it's of no real benefit to you in the sense. It's more so what you're leaving behind for the family, if that makes sense.\n\nChannel 1: Yeah. Alright. Now sorry. I'll just get one other question. So I I\n\nChannel 0: Yep.\n\nChannel 1: work with a lot of old like, we're a bus driver, so a lot of our employees or my my colleagues are, like, older.\n\nChannel 0: Yep.\n\nChannel 1: And, you know, is I've just been thinking, like, they talk a lot about super and been thinking about salary sacrificing just a little bit into super just to almost like to make sure that I'm actually saving some of my current income and having it do something worthwhile for the future.\n\nChannel 0: Yep. Yes.\n\nChannel 1: Is there a minimum that's, you know,\n\nChannel 0: No. Well, in in that\n\nChannel 1: like,\n\nChannel 0: sense,\n\nChannel 1: worthwhile?\n\nChannel 0: like you said, it is a bit of a forced savings. The one thing with it is given, you know, your age till six, you still would be locking the money away for, you know, that sort of six year time frame before you'd be looking at getting any sort of access to it or benefit to it. If it's something that, you know, given that you paid down, like, a fair bit of mortgage, you don't have too much debt and you just wanna, you know, focus on the retirement just a little bit. Any sort of money can sort of contribute to help to go into that. In terms of, like, knocking you out of a a tax bracket, it won't exactly do that for you because you're kinda banksmacking the the middle of one there.\n\nChannel 1: Yeah.\n\nChannel 0: Go I'd help you in that sense. It would just be a bit of a forced savings, a bit of an additional contribution to super because it is compounding, obviously. I know a lot of people that do even just the $25 a week because they feel like, you know, a dollar invested today is better than, you know, spend on a McDonald's meal tomorrow.\n\nChannel 1: Yeah. I\n\nChannel 0: So\n\nChannel 1: guess\n\nChannel 0: that\n\nChannel 1: I'd\n\nChannel 0: is\n\nChannel 1: rather\n\nChannel 0: an\n\nChannel 1: put\n\nChannel 0: option.\n\nChannel 1: some aside that some benefit that kind of I won't miss it.\n\nChannel 0: Yeah. And then with that, like, the the take home, like, if even if you did, like, the $100 a month, take home for your current salary, you know, you would be taking home less than what you would be if it was, like, going invested into super because you've gone that, like, 30% plus Medicare. So it's, like, 32% roughly of what you're sort of getting charged in terms of, like, tax. You're taking home, you know, a bit under, you know, $70 or, like, a month for that $100. But if you put into super, you get to invest $85 of that into your superannuation because it's taxed at 15%.\n\nSo you get a little bit more of a benefit in that sense as well that you do save on a little bit of a tax, and you do have a higher amount that is invested as well.\n\nChannel 1: Yeah. Okay. Alright.\n\nChannel 0: Obviously, we\n\nChannel 1: Well,\n\nChannel 0: can\n\nChannel 1: thanks\n\nChannel 0: look into,\n\nChannel 1: a bit.\n\nChannel 0: yeah, salary sacrifice strategies and things like that and show you what it looks like in terms of if you're just happy with an amount you're foregoing and things like that as well. You can just, like, you know, talk to your payroll and just go, hey. I wanna start a salary sacrifice arrangement as\n\nChannel 1: Yep.\n\nChannel 0: well,\n\nChannel 1: Yeah. Oh,\n\nChannel 0: if\n\nChannel 1: he\n\nChannel 0: that\n\nChannel 1: said\n\nChannel 0: all makes sense.\n\nChannel 1: the boss has said, yeah, he's happy to do it for like, he does it for, like, a lot of a lot of the guys put in, like, a big percentage just to you know, they're really, like, topping up their super and just I don't really really know what they're doing, but yeah. So it's not a\n\nChannel 0: Yeah.\n\nChannel 1: problem for the employer.\n\nChannel 0: Yeah. It kinda just depends on what your goals are. Like, if you your main goal is to, you know, be debt free in retirement, you know, might wanna be focusing on paying down the mortgage. I'm assuming, like, the interest rate on that is probably, you know, around the 4.5 something percent in terms of that. So,\n\nChannel 1: Yeah. It's on\n\nChannel 0: you\n\nChannel 1: my\n\nChannel 0: know\n\nChannel 1: note.\n\nChannel 0: yeah. So money going on to that, like, essentially, you're offsetting that percentage of interest that you would have to pay given that it's not a deduction because it's, like, a non investment property versus, like, within superannuation and your your super is performing quite well and, you know, you are getting an a nice return, that's the return you'd be getting on that money as opposed to, like, having it on the mortgage and offsetting the interest. So it's like, do you wanna save on on interest, or do you wanna have it accumulating a little bit more towards retirement at a later date sort of thing as well?\n\nChannel 1: Yeah.\n\nChannel 0: But like you said, a little bit of the the case is, you know, it might not end up on the mortgage. It might just end up, you know, bit more leisure activities and things like that as well depending on\n\nChannel 1: Yeah.\n\nChannel 0: where you sort of at\n\nChannel 1: Yeah.\n\nChannel 0: with things. Yeah. So it's definitely an option, something to consider. If you did want us to sorta show you, like, some tables and what that sorta looks like. Obviously, projections to always be taken with that crane of salt in terms of\n\nChannel 1: Yeah.\n\nChannel 0: like that. But, you know, twelve month performance in your super even with what happened with the war in in Ukraine and things like that as well, you still did 9.11% after fees, which is still really, really good given it's a growth portfolio and given what has occurred there currently in regards to the the world politics stage at the moment. Obviously,\n\nChannel 1: Oh,\n\nChannel 0: we're looking at doing\n\nChannel 1: yeah.\n\nChannel 0: a bit of an update at the moment just to remove that ban along just because of how it has performed. I don't know if you remember our previous discussion and then getting you a bit of an update there. But in saying that down the track too, we can also, you know, show you what some salary sacrifice and things that that looks like. But if you're happy just doing it yourself as well, like I said, if your if your employer is happy to do it, it's as simple as just going to them and doing it as well.\n\nChannel 1: Alright. Okay.\n\nChannel 0: Perfect. Do you have any other questions in regards to that at\n\nChannel 1: No. That's it.\n\nChannel 0: all? Right. Obviously, in regards to, like, projecting out retirement, that is why we didn't look at that because you sort of aiming at that 67 at the moment. I don't know if that would change. So it's just it's a rough age\n\nChannel 1: Sure.\n\nChannel 0: based on what we have sort of stated previously. You know, you might wanna start taking a little bit out at 60 and things like that, but we're not gonna project anything until you got a bit more hard and fast since probably a few years away. But\n\nChannel 1: Yeah.\n\nChannel 0: at the moment, you have more than adequate amount of risk being in a growth, that eighty twenty split, it's still, you know, got a nice time horizon to remain invested, that sort of seven to eight year time frame in holding that investment for the returns there as well. Another option for you that we didn't sort of do just because I know you stated you're happy with how your contributions are going in, you can move them back to AMP just to ensure that, you know, you do have a nice balance going in there, but we're putting enough money back there at the moment to at least cover another year's worth of premiums, and it should still be above the 10,000 at that point as well. As far\n\nChannel 1: Okay.\n\nChannel 0: as the investment switches, it'll be on page 14. It shows you the buyers and the sales. So the major things that we're selling out of then is BHYB with some bank hybrids. They're a defensive asset. They're just getting phased out, unfortunately.\n\nThe government doesn't like them anymore. So with that, they'll be gone by 2032, so we're just being a little bit more proactive with that. We're moving away\n\nChannel 1: Yep.\n\nChannel 0: from Banyan and Lithium Tech and then also you've been along Australian managed fund. So we are making you in a bit more of a passive account, which does help with that volatility as well, especially with what's happening in the world and also a bit like, also to your risk tolerance and, you know, the volatility of the ups and the downs and relying on a fund manager to pick the right winners where, obviously, the Bennelong Fund that you do hold, even though it's not a major portion of your portfolio, did have a quite a backward step just due to some decisions and, obviously, investing there as well, which impacted your portfolio's performance a bit. You'll also be selling out of the Australian property investment you do hold and then also the RAFT Australian 200, which is like the top Australian 200 companies, but it's basically calculated a little bit differently. With that, you'll be going into a bit of exposure in Europe, Japan, and then Vanguard Orwell, which is like all your investments that hold outside of The US, bit of exposure in that Asia, Europe market as well, and then the BetaShares Australian 200, which is the top 200 companies in Australia.\n\nAnd then the rest of it will just be adjusted slightly. So S and P 500 will remain the core of your portfolio and even have just a slightly higher weighting. And then the rest of your core will be that BetaShares Australian two hundred, and the other ones are a little bit more satellite approach where they're, you know, in the bit more of the emerging market space to because, like, they do have that little bit more volatility just to aim for a little bit more growth and diversification as well, if that makes sense. I\n\nChannel 1: Okay.\n\nChannel 0: know,\n\nChannel 1: Yeah.\n\nChannel 0: obviously,\n\nChannel 1: No\n\nChannel 0: I'm\n\nChannel 1: sense.\n\nChannel 0: rushing\n\nChannel 1: You\n\nChannel 0: through it a little bit through. Just trying to get\n\nChannel 1: Yeah.\n\nChannel 0: through it there. Now in regards to the allocations there, so the aims are on the eighty twenty sort of split. In regards to that one, you are currently around 82% growth and around 18% defensive. This does bump you up a little bit to 86% growth and around, you know, that 14% defensive. Now within regards to that, they have considered gold a total growth asset, which it can be considered defensive as well, which does increase it a little bit in terms of that.\n\nAnd then also in regards to that one, you may increase the amount of growth assets you hold slightly, but you are also reducing the manager risk by not having those managed funds and then tracking those indexes, which not only, you know, reduces your risk in terms of, like, they can pick some some bad winners, but it also, in regards to that, is more expensive having those managed funds. So you'll be saving on fees moving forward for administration costs as well. I think that makes sense.\n\nChannel 1: Sure.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: So with that, you'll have a little bit of a guaranteed savings moving forward. Obviously, you'll have a little bit of the money going back to to AMP, but overall, it still puts you off in sort of a better position based on those past performance rolling averages there. And with the the guaranteed savings, that also goes towards investment growth at the end of the day, which is nice. The back end of the advice document there is just in regards to establishing a will power of attorney. Those sort of steps and the benefits and disadvantages, obviously, at the moment too, we're changing up investments within regards to what happening at the moment.\n\nThere is quite volatile market, but in saying that, given that you still have quite a lot of time till retirement as well, that if you did miss a few percent of, like, selling to to cash and then it going up slightly before you reinvest, it's not gonna absolutely hinder you. It obviously just might sting just a tiny bit. But in saying that if it goes the other way as well, if there was a bit of a a drop while you're in cash and you buy back in, you sort of set yourself up a little bit more for a bit more growth on the the rebound. But in saying that, wars, you know, as bad as I sound, they are, like, a little bit of a blip on the radar for long term superannuation investments. It's not like sort of\n\nChannel 1: Yeah.\n\nChannel 0: terrorist tax things like COVID. They do recover, like, quite a bit quicker once it sort of stops.\n\nChannel 1: Yeah. Okay.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.04320545867085457},{"text":"Andrew speaking.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.048945823684334755}],"sentiment":"neutral","sentiment_score":0.04703236867984136,"channel":1,"num_words":3,"start":1.8399999,"end":3.06},{"sentences":[{"text":"Good afternoon, Andrew.","start":3.4399998,"end":4.24,"sentiment":"positive","sentiment_score":0.41603846351305646},{"text":"It's Kyle calling from OPU Financial.","start":4.24,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.24462306002775827},{"text":"How are you today?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.2861522361636162}],"sentiment":"neutral","sentiment_score":0.2969586688738603,"channel":0,"num_words":13,"start":3.4399998,"end":6.66},{"sentences":[{"text":"I'm well.","start":7.2,"end":7.68,"sentiment":"positive","sentiment_score":0.3474005162715912},{"text":"And you?","start":7.68,"end":8.34,"sentiment":"neutral","sentiment_score":0.1775042563676834}],"sentiment":"neutral","sentiment_score":0.2624523863196373,"channel":1,"num_words":4,"start":7.2,"end":8.34},{"sentences":[{"text":"Yeah.","start":8.559999,"end":8.88,"sentiment":"neutral","sentiment_score":0.2576645016670227},{"text":"Not too bad at all.","start":8.88,"end":9.679999,"sentiment":"neutral","sentiment_score":0.3282215356826782},{"text":"Thanks.","start":9.679999,"end":10.0,"sentiment":"positive","sentiment_score":0.6785522699356079},{"text":"I've got you scheduled in for your statement of advice presentation.","start":10.0,"end":12.4,"sentiment":"positive","sentiment_score":0.35822377421639184},{"text":"Is now still a good time for","start":12.4,"end":13.665,"sentiment":"neutral","sentiment_score":0.2663225552865437}],"sentiment":"positive","sentiment_score":0.3352817541360855,"channel":0,"num_words":25,"start":8.559999,"end":13.665},{"sentences":[{"text":"Yes.","start":14.48,"end":14.98,"sentiment":"neutral","sentiment_score":0.2172621786594391}],"sentiment":"neutral","sentiment_score":0.2172621786594391,"channel":1,"num_words":1,"start":14.48,"end":14.98},{"sentences":[{"text":"you?","start":16.225,"end":16.725,"sentiment":"neutral","sentiment_score":0.18482068181037903}],"sentiment":"neutral","sentiment_score":0.18482068181037903,"channel":0,"num_words":1,"start":16.225,"end":16.725},{"sentences":[{"text":"Yep.","start":16.615,"end":17.115,"sentiment":"neutral","sentiment_score":0.21111738681793213}],"sentiment":"neutral","sentiment_score":0.21111738681793213,"channel":1,"num_words":1,"start":16.615,"end":17.115},{"sentences":[{"text":"Perfect.","start":16.865,"end":17.345,"sentiment":"positive","sentiment_score":0.479788601398468},{"text":"Just to get stuck into that one today there, Andrew, if I could just pass through security with that name, date of birth, and current address, we can get stuck into that one today.","start":17.345,"end":23.525,"sentiment":"neutral","sentiment_score":0.17087306520518133}],"sentiment":"neutral","sentiment_score":0.1796992233821324,"channel":0,"num_words":35,"start":16.865,"end":23.525},{"sentences":[{"text":"Yep.","start":24.055,"end":24.555,"sentiment":"neutral","sentiment_score":0.03962377458810806},{"text":"Andrew Wayne Cameron.","start":25.255001,"end":26.535,"sentiment":"neutral","sentiment_score":0.017934779326121014},{"text":"Date of birth, twenty sixth July seventy one.","start":26.535,"end":28.875,"sentiment":"neutral","sentiment_score":0.02295444835908711},{"text":"Home address is Fort Terry Avenue, Seven","start":29.654999,"end":31.199999,"sentiment":"neutral","sentiment_score":0.030019557369606837}],"sentiment":"neutral","sentiment_score":0.025642136896127148,"channel":1,"num_words":19,"start":24.055,"end":31.199999},{"sentences":[{"text":"Yep.","start":34.08,"end":34.56,"sentiment":"neutral","sentiment_score":0.06564535945653915},{"text":"Perfect.","start":34.56,"end":35.04,"sentiment":"positive","sentiment_score":0.49065935611724854},{"text":"Thank you for that one.","start":35.04,"end":36.32,"sentiment":"positive","sentiment_score":0.6292612314224243},{"text":"And","start":36.32,"end":36.64,"sentiment":"neutral","sentiment_score":0.29892390966415405}],"sentiment":"positive","sentiment_score":0.5001918477937579,"channel":0,"num_words":8,"start":34.08,"end":36.64},{"sentences":[{"text":"Hills.","start":36.62,"end":37.12,"sentiment":"neutral","sentiment_score":0.16357463598251343}],"sentiment":"neutral","sentiment_score":0.16357463598251343,"channel":1,"num_words":1,"start":36.62,"end":37.12},{"sentences":[{"text":"just given the little bit of time that has elapsed there since we last spoke to Andrew, isn't you've had any significant changes in regards to, you know, your circumstances, financial, personal, or otherwise?","start":36.64,"end":47.565,"sentiment":"neutral","sentiment_score":-0.003308941829292213}],"sentiment":"neutral","sentiment_score":-0.003308941829292213,"channel":0,"num_words":34,"start":36.64,"end":47.565},{"sentences":[{"text":"No.","start":49.785004,"end":50.285004,"sentiment":"neutral","sentiment_score":-0.12964802980422974},{"text":"I mean, yeah, everything's pretty much the same.","start":50.345,"end":52.765003,"sentiment":"neutral","sentiment_score":-0.08678539656102657}],"sentiment":"neutral","sentiment_score":-0.09154791136582692,"channel":1,"num_words":9,"start":49.785004,"end":52.765003},{"sentences":[{"text":"Perfect.","start":53.945,"end":54.42,"sentiment":"positive","sentiment_score":0.3979044556617737},{"text":"Just wanna confirm that.","start":55.539997,"end":56.82,"sentiment":"neutral","sentiment_score":0.2767060473561287},{"text":"So within regards to today, it is quite a a simple update.","start":56.82,"end":60.5,"sentiment":"neutral","sentiment_score":0.132215345899264},{"text":"I know it was mainly due to wanting to review those investments following our discussion there as well.","start":60.5,"end":66.975,"sentiment":"neutral","sentiment_score":0.0827132190267245},{"text":"This will just be going out to your email, acameron2@bigpond.com.","start":67.455,"end":72.195,"sentiment":"neutral","sentiment_score":0.09412541314959526}],"sentiment":"neutral","sentiment_score":0.12269788599676557,"channel":0,"num_words":45,"start":53.945,"end":72.195},{"sentences":[{"text":"Is that still","start":72.494995,"end":73.134995,"sentiment":"neutral","sentiment_score":0.07345474014679591}],"sentiment":"neutral","sentiment_score":0.07345474014679591,"channel":0,"num_words":3,"start":72.494995,"end":73.134995},{"sentences":[{"text":"Yep.","start":73.025,"end":73.345,"sentiment":"neutral","sentiment_score":0.09254264831542967}],"sentiment":"neutral","sentiment_score":0.09254264831542967,"channel":1,"num_words":1,"start":73.025,"end":73.345},{"sentences":[{"text":"accurate?","start":73.134995,"end":73.634995,"sentiment":"neutral","sentiment_score":0.09750604629516602}],"sentiment":"neutral","sentiment_score":0.09750604629516602,"channel":0,"num_words":1,"start":73.134995,"end":73.634995},{"sentences":[{"text":"Cool.","start":73.345,"end":73.845,"sentiment":"neutral","sentiment_score":0.3310897946357727}],"sentiment":"neutral","sentiment_score":0.3310897946357727,"channel":1,"num_words":1,"start":73.345,"end":73.845},{"sentences":[{"text":"Perfect.","start":74.095,"end":74.595,"sentiment":"positive","sentiment_score":0.3835574090480805}],"sentiment":"positive","sentiment_score":0.3835574090480805,"channel":0,"num_words":1,"start":74.095,"end":74.595},{"sentences":[{"text":"That's right.","start":74.225006,"end":75.045006,"sentiment":"neutral","sentiment_score":0.2994629889726639}],"sentiment":"neutral","sentiment_score":0.2994629889726639,"channel":1,"num_words":2,"start":74.225006,"end":75.045006},{"sentences":[{"text":"I definitely know these calls are recorded for quality and training purposes there as well, and then this will be there shortly.","start":75.215,"end":80.994995,"sentiment":"neutral","sentiment_score":0.1399191702631387},{"text":"Now in regards to the documents that are attached there as well, you'll have the same advisory appendix to that, the Oakview services guide and Oakview financial services guide as well, and then a little bit of information on Hub 24, your current product that you do have.","start":81.055,"end":95.985,"sentiment":"neutral","sentiment_score":0.06853181216865778},{"text":"Just in regards to that, we're not recommending any new products.","start":96.065,"end":99.185,"sentiment":"neutral","sentiment_score":-0.24635416540232571},{"text":"So it's not too difficult in the sense of, like, additional documentation you need to go through to get your head around some some new products, but that should be with you there shortly.","start":99.185,"end":107.285,"sentiment":"neutral","sentiment_score":-0.0847329727428801},{"text":"Now","start":108.145004,"end":108.645004,"sentiment":"neutral","sentiment_score":0.016933947801589966}],"sentiment":"neutral","sentiment_score":0.006843670560368176,"channel":0,"num_words":116,"start":75.215,"end":108.645004},{"sentences":[{"text":"Okay.","start":108.325005,"end":108.825005,"sentiment":"neutral","sentiment_score":-0.05230918526649475}],"sentiment":"neutral","sentiment_score":-0.05230918526649475,"channel":1,"num_words":1,"start":108.325005,"end":108.825005},{"sentences":[{"text":"just given the time terms are being finalized and getting you booked in, it was finalized or, like, the start date there, the 03/02/2026, and then getting the document done and getting you booked back in.","start":109.85,"end":120.03,"sentiment":"neutral","sentiment_score":0.11019171908911732},{"text":"So it is valid for sixty days as long as you've, like, confirmed your details, which you have.","start":120.09,"end":124.785,"sentiment":"neutral","sentiment_score":0.1914185823665725},{"text":"So you've got until sort of next month to be able to sign that.","start":125.345,"end":129.905,"sentiment":"neutral","sentiment_score":0.11640227319938797},{"text":"But, you know, if you've got any sort of questions, things like that, I'd recommend sort of, you know, taking away this week and have a few a bit of a read of it and make sure you're happy with everything if you have any questions to come back as","start":129.905,"end":139.43,"sentiment":"neutral","sentiment_score":0.011011854540556669}],"sentiment":"neutral","sentiment_score":0.0812937366239474,"channel":0,"num_words":118,"start":109.85,"end":139.43},{"sentences":[{"text":"Yeah.","start":140.47,"end":140.87,"sentiment":"neutral","sentiment_score":0.05257151648402214},{"text":"Okay.","start":140.87,"end":141.37,"sentiment":"neutral","sentiment_score":0.142890602350235}],"sentiment":"neutral","sentiment_score":0.09773105941712858,"channel":1,"num_words":2,"start":140.47,"end":141.37},{"sentences":[{"text":"well.","start":141.32999,"end":141.82999,"sentiment":"neutral","sentiment_score":0.2425784468650818},{"text":"Perfect.","start":142.37,"end":142.87,"sentiment":"positive","sentiment_score":0.5239232778549194},{"text":"So it is prepared for yourself by myself, Kyle Goodings, as a authorized representative under Financial.","start":143.48999,"end":149.26999,"sentiment":"neutral","sentiment_score":0.26493257842957973},{"text":"Now in regards to that, you do have the best interest duty at the the top there, which is just basically, if we can't put you in a better position, we wouldn't recommend it.","start":149.96999,"end":158.57501,"sentiment":"neutral","sentiment_score":-0.14497158490121365},{"text":"So that's what that one is there.","start":159.35501,"end":161.515,"sentiment":"neutral","sentiment_score":-0.02426562724368913}],"sentiment":"neutral","sentiment_score":-0.001584242334810354,"channel":0,"num_words":59,"start":141.32999,"end":161.515},{"sentences":[{"text":"And by now, hopefully, you've received an email with that document that you can review there, Andrew.","start":161.515,"end":165.9,"sentiment":"neutral","sentiment_score":0.1463741743389298}],"sentiment":"neutral","sentiment_score":0.1463741743389298,"channel":0,"num_words":17,"start":161.515,"end":165.9},{"sentences":[{"text":"Okay.","start":168.19,"end":168.69,"sentiment":"neutral","sentiment_score":-0.011812657117843628},{"text":"Sorry.","start":169.31,"end":169.63,"sentiment":"neutral","sentiment_score":-0.10535435378551485},{"text":"I'm I'm in the car.","start":169.63,"end":170.99,"sentiment":"neutral","sentiment_score":-0.13109532743692398},{"text":"I'm parked.","start":170.99,"end":171.65,"sentiment":"neutral","sentiment_score":-0.10645268857479095}],"sentiment":"neutral","sentiment_score":-0.10950544724861781,"channel":1,"num_words":9,"start":168.19,"end":171.65},{"sentences":[{"text":"Oh, okay.","start":171.9,"end":172.62,"sentiment":"neutral","sentiment_score":-0.010760058648884296},{"text":"No problem.","start":172.62,"end":173.36,"sentiment":"neutral","sentiment_score":0.040819332003593445},{"text":"What I can do then if you sort of don't wanna run through it while you're on the phone there and even if you sort of take off driving, I'll give you a quick rundown of what the actual advice is, and then you can take your time to read through it a little bit more in-depth around the advantages, disadvantages, things like that.","start":173.5,"end":186.77501,"sentiment":"neutral","sentiment_score":0.031082354951649904},{"text":"How","start":186.77501,"end":186.93501,"sentiment":"neutral","sentiment_score":0.06463600695133209}],"sentiment":"neutral","sentiment_score":0.030638047399512237,"channel":0,"num_words":69,"start":171.9,"end":186.93501},{"sentences":[{"text":"Yeah.","start":186.915,"end":187.415,"sentiment":"neutral","sentiment_score":0.08117923885583878}],"sentiment":"neutral","sentiment_score":0.08117923885583878,"channel":1,"num_words":1,"start":186.915,"end":187.415},{"sentences":[{"text":"does that sound?","start":186.93501,"end":187.755,"sentiment":"neutral","sentiment_score":0.07090408106644948}],"sentiment":"neutral","sentiment_score":0.07090408106644948,"channel":0,"num_words":3,"start":186.93501,"end":187.755},{"sentences":[{"text":"No.","start":188.195,"end":188.355,"sentiment":"neutral","sentiment_score":-0.2096024751663208},{"text":"That's good.","start":188.355,"end":189.175,"sentiment":"neutral","sentiment_score":0.06477467715740204},{"text":"Yeah.","start":189.81999,"end":190.06,"sentiment":"neutral","sentiment_score":-0.10692215710878372},{"text":"I just wasn't able to find the time where I was guaranteed that I would be, like, during work business hours.","start":190.06,"end":195.73999,"sentiment":"neutral","sentiment_score":-0.2820501164311454},{"text":"So I had to schedule this at the end of my day somewhere in New","start":195.73999,"end":200.06,"sentiment":"neutral","sentiment_score":-0.12768638730049134}],"sentiment":"neutral","sentiment_score":-0.2006330883130431,"channel":1,"num_words":40,"start":188.195,"end":200.06},{"sentences":[{"text":"Yep.","start":199.99,"end":200.49,"sentiment":"neutral","sentiment_score":-0.06652376055717468}],"sentiment":"neutral","sentiment_score":-0.06652376055717468,"channel":0,"num_words":1,"start":199.99,"end":200.49},{"sentences":[{"text":"York.","start":200.06,"end":200.56,"sentiment":"neutral","sentiment_score":-0.09389439225196838}],"sentiment":"neutral","sentiment_score":-0.09389439225196838,"channel":1,"num_words":1,"start":200.06,"end":200.56},{"sentences":[{"text":"Not a not a problem, Andrew.","start":201.43001,"end":202.79001,"sentiment":"neutral","sentiment_score":0.16514412686228752},{"text":"Well, I'll make this quick for you so you can get home, and then, obviously, you can have a read through it in your own time, make sure you're satisfied with everything.","start":202.79001,"end":208.735,"sentiment":"positive","sentiment_score":0.5349894445389509},{"text":"Now as","start":209.035,"end":209.515,"sentiment":"neutral","sentiment_score":0.2435579150915146}],"sentiment":"positive","sentiment_score":0.4649410704150796,"channel":0,"num_words":40,"start":201.43001,"end":209.515},{"sentences":[{"text":"Yeah.","start":209.395,"end":209.895,"sentiment":"neutral","sentiment_score":0.2510622441768646}],"sentiment":"neutral","sentiment_score":0.2510622441768646,"channel":1,"num_words":1,"start":209.395,"end":209.895},{"sentences":[{"text":"far as the advice there, the scope of it, basically, pertaining basically to superannuation and the estate planning side of things.","start":209.515,"end":217.615,"sentiment":"neutral","sentiment_score":0.16451114416122437},{"text":"In regards to that, I know you just wanna, you know, make sure it obviously is growing towards your retirement goals and making sure, you know, you're getting enough out of your your superannuation to ensure that, you know, you can afford to to do those things later in life.","start":218.07501,"end":229.37,"sentiment":"positive","sentiment_score":0.3734225335717201},{"text":"So","start":229.82999,"end":229.98999,"sentiment":"neutral","sentiment_score":0.20657655596733093}],"sentiment":"neutral","sentiment_score":0.31017273974915344,"channel":0,"num_words":72,"start":209.515,"end":229.98999},{"sentences":[{"text":"Yep.","start":229.90999,"end":230.40999,"sentiment":"neutral","sentiment_score":0.22148418426513672}],"sentiment":"neutral","sentiment_score":0.22148418426513672,"channel":1,"num_words":1,"start":229.90999,"end":230.40999},{"sentences":[{"text":"we are just looking at doing a review of your investments there, make sure that those are still traveling well.","start":229.98999,"end":233.745,"sentiment":"neutral","sentiment_score":0.30430632531642915},{"text":"Estate planning matters, obviously, that's always important.","start":234.065,"end":236.325,"sentiment":"neutral","sentiment_score":0.2732658641678946},{"text":"The fact that you don't have a will yet, but you're looking into it.","start":236.385,"end":239.105,"sentiment":"neutral","sentiment_score":0.14620789938739367},{"text":"We just wanna put this in as a bit of reminder to obviously do that.","start":239.105,"end":242.405,"sentiment":"positive","sentiment_score":0.4098292390505473},{"text":"And then I know you have your your partner there as your beneficiary, so that's fantastic.","start":242.625,"end":247.125,"sentiment":"positive","sentiment_score":0.6027422472834587}],"sentiment":"positive","sentiment_score":0.35885017623917925,"channel":0,"num_words":72,"start":229.98999,"end":247.125},{"sentences":[{"text":"We're looking at keeping that the same.","start":247.185,"end":249.26,"sentiment":"positive","sentiment_score":0.5032586370195661},{"text":"As far as insurances are","start":249.64,"end":250.92,"sentiment":"neutral","sentiment_score":0.03970630615949631}],"sentiment":"neutral","sentiment_score":0.31011183249453705,"channel":0,"num_words":12,"start":247.185,"end":250.92},{"sentences":[{"text":"Yep.","start":250.89,"end":251.39,"sentiment":"neutral","sentiment_score":0.02147999405860901}],"sentiment":"neutral","sentiment_score":0.02147999405860901,"channel":1,"num_words":1,"start":250.89,"end":251.39},{"sentences":[{"text":"concerned, I know following the the discussion, you were happy just maintaining your AMP just given, you know, your age is age and sort of not wanting to go back to underwriting given that at the moment.","start":250.92,"end":259.965,"sentiment":"neutral","sentiment_score":0.08759287734692162},{"text":"Should things change in the future, we can obviously do a review.","start":260.525,"end":263.085,"sentiment":"neutral","sentiment_score":0.041715223963061966},{"text":"But given that you got the the health history there as well, it's likely you would end up some sort of loadings and things like that as well, which means that it's","start":263.085,"end":269.805,"sentiment":"neutral","sentiment_score":-0.04067754710558802}],"sentiment":"neutral","sentiment_score":0.03012145237054354,"channel":0,"num_words":81,"start":250.92,"end":269.805},{"sentences":[{"text":"Yeah.","start":269.765,"end":270.265,"sentiment":"neutral","sentiment_score":-0.04087167978286743}],"sentiment":"neutral","sentiment_score":-0.04087167978286743,"channel":1,"num_words":1,"start":269.765,"end":270.265},{"sentences":[{"text":"likely to to cost a bit as well.","start":269.805,"end":272.065,"sentiment":"neutral","sentiment_score":-0.1788890678435564},{"text":"Not to say that we can't have a look at it if you ever sort of feel like because obviously your premium is creeping up there a little bit, just even sort of doing that process with us when you got a bit more time and just seeing what the pricing might look like and what those terms might be.","start":272.365,"end":284.84,"sentiment":"neutral","sentiment_score":-0.15958186959226925},{"text":"In regards to stuff we're aware of, but having considered in regards to this as well is just your budgeting savings.","start":286.98,"end":292.27502,"sentiment":"neutral","sentiment_score":0.003128899555165498},{"text":"I know you sorta, you know, wanna do some minor renovations and do your holidays, things like that as well, but we haven't done any sort of cash flow on budgeting.","start":292.27502,"end":298.515,"sentiment":"neutral","sentiment_score":-0.036809963174164295},{"text":"We can send you the overview budget planner if you'd like to just have for your reference to be able to","start":298.515,"end":303.48,"sentiment":"neutral","sentiment_score":0.1125540877027171}],"sentiment":"neutral","sentiment_score":-0.0689205024416182,"channel":0,"num_words":141,"start":269.805,"end":303.48},{"sentences":[{"text":"Oh, yeah.","start":305.94,"end":306.26,"sentiment":"neutral","sentiment_score":0.1452898234128952},{"text":"That'd be helpful.","start":306.26,"end":307.16,"sentiment":"neutral","sentiment_score":0.2945486009120941}],"sentiment":"neutral","sentiment_score":0.23484508991241454,"channel":1,"num_words":5,"start":305.94,"end":307.16},{"sentences":[{"text":"Yep.","start":307.48,"end":307.98,"sentiment":"neutral","sentiment_score":0.2229507565498352},{"text":"It's just a little Excel tool.","start":308.28,"end":309.72,"sentiment":"neutral","sentiment_score":0.30580247441927594},{"text":"You know, you can plug it in.","start":309.72,"end":310.76,"sentiment":"neutral","sentiment_score":0.2931357813732965},{"text":"It's really good for, you know, finding out that you do have way too many subscriptions and maybe need to cancel a few as well.","start":310.76,"end":316.38,"sentiment":"neutral","sentiment_score":0.28683764904737474}],"sentiment":"neutral","sentiment_score":0.2892476230477675,"channel":0,"num_words":39,"start":307.48,"end":316.38},{"sentences":[{"text":"Yeah.","start":317.01498,"end":317.255,"sentiment":"neutral","sentiment_score":0.10264766216278076},{"text":"Okay.","start":317.255,"end":317.755,"sentiment":"neutral","sentiment_score":0.101202555000782}],"sentiment":"neutral","sentiment_score":0.10192510858178139,"channel":1,"num_words":2,"start":317.01498,"end":317.755},{"sentences":[{"text":"We did also check-in here that we're aware of that.","start":318.695,"end":321.015,"sentiment":"neutral","sentiment_score":0.04142011813819409},{"text":"Maybe down the track, you may wanna look into that self managed super.","start":321.015,"end":323.89502,"sentiment":"neutral","sentiment_score":0.0471133841918065},{"text":"But given sort of the information I gave you at the time, you weren't looking to go ahead with that based on the fact you mainly wanted it for looking at getting a property for your your children.","start":323.89502,"end":333.19,"sentiment":"neutral","sentiment_score":-0.014856498786493352},{"text":"But given the arm's length rules, that wouldn't be possible through a self made super.","start":333.19,"end":336.38998,"sentiment":"neutral","sentiment_score":-0.1803830328087012},{"text":"But if you do want a referral to, like, a mortgage broker to look at, like, investment properties as well, we can pass your details along to review","start":336.38998,"end":343.43,"sentiment":"neutral","sentiment_score":0.10408497335655349}],"sentiment":"neutral","sentiment_score":0.006449634460015939,"channel":0,"num_words":104,"start":318.695,"end":343.43},{"sentences":[{"text":"Yeah.","start":343.245,"end":343.745,"sentiment":"neutral","sentiment_score":0.13426682353019714}],"sentiment":"neutral","sentiment_score":0.13426682353019714,"channel":1,"num_words":1,"start":343.245,"end":343.745},{"sentences":[{"text":"that given that you do have, like, a nice bit of equity in your current home there","start":343.43,"end":346.875,"sentiment":"neutral","sentiment_score":0.23935954711016486}],"sentiment":"neutral","sentiment_score":0.23935954711016486,"channel":0,"num_words":17,"start":343.43,"end":346.875},{"sentences":[{"text":"Okay.","start":348.685,"end":349.185,"sentiment":"neutral","sentiment_score":0.22490976750850675}],"sentiment":"neutral","sentiment_score":0.22490976750850675,"channel":1,"num_words":1,"start":348.685,"end":349.185},{"sentences":[{"text":"as well.","start":351.195,"end":351.515,"sentiment":"neutral","sentiment_score":0.23365629464387894},{"text":"Perfect.","start":351.515,"end":351.995,"sentiment":"positive","sentiment_score":0.4515323042869568},{"text":"So there's a limited advice only to the superannuation.","start":351.995,"end":354.895,"sentiment":"neutral","sentiment_score":-0.08301337130574717},{"text":"And in regards to the estate planning side of things, there is limited scope for the insurances just to illustrate some costs and things like that ongoing.","start":355.275,"end":361.62,"sentiment":"neutral","sentiment_score":-0.09872239593554426},{"text":"As far as the advice to you, quite simply put, it's to partially roll over some of your hub twenty four superannuation to your AMP just to cover those premiums and make sure given that you are contributing majority to hub twenty four that your balance is high enough to be able to facilitate those premiums with that rollover and then","start":362.96,"end":381.495,"sentiment":"neutral","sentiment_score":0.09388344539482085}],"sentiment":"neutral","sentiment_score":0.032331100306473674,"channel":0,"num_words":100,"start":351.195,"end":381.495},{"sentences":[{"text":"Yep.","start":381.365,"end":381.865,"sentiment":"neutral","sentiment_score":0.1067742556333542}],"sentiment":"neutral","sentiment_score":0.1067742556333542,"channel":1,"num_words":1,"start":381.365,"end":381.865},{"sentences":[{"text":"retaining that AMP for the meantime just while you have those insurances listed there as well because the balance has dropped low that 10,000.","start":381.495,"end":388.775,"sentiment":"neutral","sentiment_score":0.08051388586560886},{"text":"We just wanna top it up, make sure you've got enough there ongoing.","start":388.775,"end":391.9203,"sentiment":"neutral","sentiment_score":0.16518064903525206},{"text":"And then we review, obviously, the the 12, make sure that and if you haven't opted in, which I believe you have, it's just something to be mindful of as well that you have better visibility with the your current fund with that to be able to maintain those insurances.","start":391.9203,"end":405.145,"sentiment":"neutral","sentiment_score":0.16153345078229905},{"text":"We're obviously aware of it, and we do follow-up quite regularly, but it's important that you sort of do keep on top of that as well in case we, you know, ever drop the ball just as","start":405.145,"end":412.985,"sentiment":"neutral","sentiment_score":0.17294192656471924}],"sentiment":"neutral","sentiment_score":0.14963875419550365,"channel":0,"num_words":124,"start":381.495,"end":412.985},{"sentences":[{"text":"Mhmm.","start":412.92,"end":413.4,"sentiment":"neutral","sentiment_score":0.031770624220371246}],"sentiment":"neutral","sentiment_score":0.031770624220371246,"channel":1,"num_words":1,"start":412.92,"end":413.4},{"sentences":[{"text":"a reminder.","start":412.985,"end":413.725,"sentiment":"neutral","sentiment_score":0.04463994037359953}],"sentiment":"neutral","sentiment_score":0.04463994037359953,"channel":0,"num_words":2,"start":412.985,"end":413.725},{"sentences":[{"text":"Okay.","start":413.4,"end":413.9,"sentiment":"neutral","sentiment_score":0.12520164251327515}],"sentiment":"neutral","sentiment_score":0.12520164251327515,"channel":1,"num_words":1,"start":413.4,"end":413.9},{"sentences":[{"text":"And then in regards to your we'll establish a will and establish a power of attorney there as well as far as beneficiaries.","start":415.47,"end":422.85,"sentiment":"neutral","sentiment_score":0.15179530563561813},{"text":"That's fine with being the spouse.","start":422.91,"end":424.61002,"sentiment":"neutral","sentiment_score":0.3077894101540248},{"text":"You can confirm your details there on page seven and eight.","start":424.99002,"end":427.71002,"sentiment":"neutral","sentiment_score":0.29158451882275666},{"text":"Just make sure they are all accurate in regards to asset liabilities, your your occupation, things like that as well.","start":427.71002,"end":433.435,"sentiment":"neutral","sentiment_score":0.16724447682499885},{"text":"As far as your current position, you got your hub twenty four year AMP and the the life insurance through AMP for around the 550,000, and the premium for that one's around 4,400.","start":434.215,"end":443.85,"sentiment":"neutral","sentiment_score":0.15062871891440768}],"sentiment":"neutral","sentiment_score":0.18130210170181849,"channel":0,"num_words":93,"start":415.47,"end":443.85},{"sentences":[{"text":"So we just wanna make sure we're able to pay for that.","start":443.85,"end":446.03,"sentiment":"neutral","sentiment_score":0.2960947019358476},{"text":"As far as your risk profile is concerned, still a growth risk profile, that eighty twenty sort of split or around those sort of marks in regards to growth assets versus defensive.","start":446.41,"end":455.05,"sentiment":"neutral","sentiment_score":-0.08401318709366024},{"text":"So we're looking at keeping that largely the same.","start":455.05,"end":457.215,"sentiment":"neutral","sentiment_score":0.05557818462451299},{"text":"The update will change your allocation slightly, but not to any degree that you should be concerned.","start":457.535,"end":462.595,"sentiment":"neutral","sentiment_score":-0.011398083366015378},{"text":"So as far as the advice, recommending that we roll over to AMP to top it up to 15,000.","start":464.175,"end":470.35498,"sentiment":"neutral","sentiment_score":0.047874266575825844}],"sentiment":"neutral","sentiment_score":0.02337934545586618,"channel":0,"num_words":89,"start":443.85,"end":470.35498},{"sentences":[{"text":"Now, obviously, if you were to accept this advice document, they had to organize the forms there for you to be able to do that.","start":470.94998,"end":475.43,"sentiment":"neutral","sentiment_score":0.09911802932620048},{"text":"They'd probably give you a call and get the updated balance for your AMP super just to make sure that those figures line up.","start":475.43,"end":481.75,"sentiment":"neutral","sentiment_score":0.16582565692563853},{"text":"So we are getting to the 15 just with what's going on in the market there as well.","start":481.75,"end":485.37,"sentiment":"neutral","sentiment_score":0.14280114985174602}],"sentiment":"neutral","sentiment_score":0.13474906263733977,"channel":0,"num_words":67,"start":470.94998,"end":485.37},{"sentences":[{"text":"Yeah.","start":486.14502,"end":486.64502,"sentiment":"neutral","sentiment_score":0.1376674771308899}],"sentiment":"neutral","sentiment_score":0.1376674771308899,"channel":1,"num_words":1,"start":486.14502,"end":486.64502},{"sentences":[{"text":"And then we're looking at maintaining the both of those and then just updating the investments within the hub 24.","start":487.165,"end":492.54498,"sentiment":"neutral","sentiment_score":0.20869271755218505},{"text":"Now in regards to your AMP super, obviously, you're putting a little bit of money in there.","start":493.085,"end":497.085,"sentiment":"neutral","sentiment_score":0.11908069077660055},{"text":"It's not really for any purpose other than the insurances.","start":497.085,"end":500.38498,"sentiment":"neutral","sentiment_score":-0.30870938003063203},{"text":"We could look at sort of adjusting the investments within that, but currently, with the way it is invested and the return it is sort of maintaining, and then your current risk profile with the majority of funds being in half twenty four, it's not to the point where it affects your overall risk tolerance too much to where you probably need to adjust those investments at the moment.","start":501.30002,"end":520.635,"sentiment":"neutral","sentiment_score":-0.2533122403142245},{"text":"But we're always happy to review it if you feel like that isn't the case.","start":521.09503,"end":524.875,"sentiment":"neutral","sentiment_score":0.14030367011825243}],"sentiment":"neutral","sentiment_score":-0.09360959722113063,"channel":0,"num_words":131,"start":487.165,"end":524.875},{"sentences":[{"text":"But in regards to your best interest, even with that, your hub twenty four and the investments that you have had have been performing better than the A and P, then if you were to sort of just be in an A and P super fund in return to that, plus you have access to OQ services in regards to that as well.","start":525.255,"end":541.625,"sentiment":"positive","sentiment_score":0.48240716400600614},{"text":"And then with the the change up there, we're just making sure that you're invested in a fund that they have high conviction in moving forward with what's happening in the markets as well.","start":542.805,"end":551.385,"sentiment":"positive","sentiment_score":0.5543305979055517}],"sentiment":"positive","sentiment_score":0.5076174398058468,"channel":0,"num_words":97,"start":525.255,"end":551.385},{"sentences":[{"text":"Mhmm.","start":552.86005,"end":553.36005,"sentiment":"neutral","sentiment_score":0.06491384655237198},{"text":"Okay.","start":553.74005,"end":554.24005,"sentiment":"neutral","sentiment_score":0.06812020391225815}],"sentiment":"neutral","sentiment_score":0.06651702523231506,"channel":1,"num_words":2,"start":552.86005,"end":554.24005},{"sentences":[{"text":"Do you have any questions in regards to the the strategy there or, moving that across to the AMP or any","start":554.805,"end":561.11,"sentiment":"neutral","sentiment_score":0.03278093598783016}],"sentiment":"neutral","sentiment_score":0.03278093598783016,"channel":0,"num_words":21,"start":554.805,"end":561.11},{"sentences":[{"text":"No.","start":562.165,"end":562.485,"sentiment":"neutral","sentiment_score":-0.09797845780849455},{"text":"That I think we need to do that just to keep the insurance going.","start":562.485,"end":565.685,"sentiment":"neutral","sentiment_score":-0.1910958710525717},{"text":"But I guess, when do you think, you know, the the insurance is costing a lot?","start":565.685,"end":571.065,"sentiment":"neutral","sentiment_score":-0.24031702242791653}],"sentiment":"neutral","sentiment_score":-0.21349654875455365,"channel":1,"num_words":31,"start":562.165,"end":571.065},{"sentences":[{"text":"Yep.","start":571.60504,"end":572.10504,"sentiment":"neutral","sentiment_score":0.02839885652065277}],"sentiment":"neutral","sentiment_score":0.02839885652065277,"channel":0,"num_words":1,"start":571.60504,"end":572.10504},{"sentences":[{"text":"When when do you think, you know, you can kinda go, okay.","start":572.245,"end":576.34,"sentiment":"neutral","sentiment_score":-0.05782366916537285},{"text":"Time to stop paying the insurance and, you know, put the money into super.","start":576.4,"end":580.9,"sentiment":"neutral","sentiment_score":-0.14318145332591875},{"text":"Like, let it let it go in, like, with the hub twenty four 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blood pressure and the the high cholesterol that you would just want to maintain it for the time being.","start":596.715,"end":610.78,"sentiment":"neutral","sentiment_score":-0.009398240792123895}],"sentiment":"neutral","sentiment_score":0.0007764495731819244,"channel":0,"num_words":84,"start":587.54,"end":610.78},{"sentences":[{"text":"Because it is only a life policy, say, you know, you got your blood pressure and cholesterol down to, like, a level that your doctor was happy with and you're not sort of taking medications and you're only diabetic, you may be able to look at a retail policy that may end up being cheaper once you sort of don't have loadings for those types of conditions and things like that or the risk of decline.","start":610.78,"end":629.78503,"sentiment":"neutral","sentiment_score":0.15959852551551243},{"text":"And 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be out ongoing without me, without any financial support, same within regards to to children, things like that as well.","start":646.31,"end":654.525,"sentiment":"neutral","sentiment_score":0.07216455756376187},{"text":"If they're all fine and old enough to where they don't rely on you, or do you need those sort of excess funds for the living expenses, you can look to get rid of it and just aim towards growth.","start":655.54504,"end":663.965,"sentiment":"neutral","sentiment_score":0.018864982295781374},{"text":"Another option well is, yeah, basically, if you were to have an outside sort of super or just look to putting more into super to help become a little bit more, like, self insured, Like, you you don't have to have insurances.","start":664.42505,"end":680.395,"sentiment":"neutral","sentiment_score":0.1882335761828082}],"sentiment":"neutral","sentiment_score":0.07264515850114527,"channel":0,"num_words":161,"start":630.80505,"end":680.395},{"sentences":[{"text":"It's a risk 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have any other questions in regards to that at","start":1038.0701,"end":1040.265,"sentiment":"neutral","sentiment_score":0.17108776792883873}],"sentiment":"neutral","sentiment_score":0.21258309887101254,"channel":0,"num_words":12,"start":1036.79,"end":1040.265},{"sentences":[{"text":"No.","start":1040.995,"end":1041.475,"sentiment":"neutral","sentiment_score":0.04678892344236374},{"text":"That's it.","start":1041.475,"end":1042.2949,"sentiment":"neutral","sentiment_score":0.05585356056690216}],"sentiment":"neutral","sentiment_score":0.05283201485872269,"channel":1,"num_words":3,"start":1040.995,"end":1042.2949},{"sentences":[{"text":"all?","start":1043.365,"end":1043.6849,"sentiment":"neutral","sentiment_score":0.05280047282576561},{"text":"Right.","start":1043.6849,"end":1044.1849,"sentiment":"neutral","sentiment_score":0.0864168033003807},{"text":"Obviously, in regards to, like, projecting out retirement, that is why we didn't look at that because you sort of aiming at that 67 at the 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we're not gonna project anything until you got a bit more hard and fast since probably a few years away.","start":1058.16,"end":1065.7001,"sentiment":"neutral","sentiment_score":-0.059443615278915354},{"text":"But","start":1066.4,"end":1066.72,"sentiment":"neutral","sentiment_score":0.018288277089595795}],"sentiment":"neutral","sentiment_score":-0.03681792916419605,"channel":0,"num_words":48,"start":1055.76,"end":1066.72},{"sentences":[{"text":"Yeah.","start":1066.605,"end":1067.105,"sentiment":"neutral","sentiment_score":0.05426955968141556}],"sentiment":"neutral","sentiment_score":0.05426955968141556,"channel":1,"num_words":1,"start":1066.605,"end":1067.105},{"sentences":[{"text":"at the moment, you have more than adequate amount of risk being in a growth, that eighty twenty split, it's still, you know, got a nice time horizon to remain invested, that sort of seven to eight year time frame in holding that investment for the returns there as 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sense.","start":1267.195,"end":1268.4149,"sentiment":"positive","sentiment_score":0.4689436316490173}],"sentiment":"neutral","sentiment_score":0.22767878214964707,"channel":0,"num_words":89,"start":1242.635,"end":1268.4149},{"sentences":[{"text":"Sure.","start":1268.895,"end":1269.395,"sentiment":"positive","sentiment_score":0.4082958400249481}],"sentiment":"positive","sentiment_score":0.4082958400249481,"channel":1,"num_words":1,"start":1268.895,"end":1269.395},{"sentences":[{"text":"Yep.","start":1270.3949,"end":1270.8949,"sentiment":"positive","sentiment_score":0.4196721911430359}],"sentiment":"positive","sentiment_score":0.4196721911430359,"channel":0,"num_words":1,"start":1270.3949,"end":1270.8949},{"sentences":[{"text":"Alright.","start":1270.975,"end":1271.475,"sentiment":"positive","sentiment_score":0.45263049006462097}],"sentiment":"positive","sentiment_score":0.45263049006462097,"channel":1,"num_words":1,"start":1270.975,"end":1271.475},{"sentences":[{"text":"So with that, you'll have a little bit of a guaranteed savings moving forward.","start":1271.115,"end":1275.455,"sentiment":"positive","sentiment_score":0.5286296095166888},{"text":"Obviously, you'll have a little bit of the money going back to to AMP, but overall, it still puts you off in sort of a better position based on those past performance rolling averages there.","start":1275.595,"end":1284.72,"sentiment":"neutral","sentiment_score":0.06776669105248792},{"text":"And with the the guaranteed savings, that also goes towards investment growth at the end of the day, which is nice.","start":1284.7799,"end":1290.4249,"sentiment":"positive","sentiment_score":0.6312094046956017},{"text":"The back end of the advice document there is just in regards to establishing a will power of attorney.","start":1291.445,"end":1295.5449,"sentiment":"neutral","sentiment_score":0.13036490074898066},{"text":"Those sort of steps and the benefits and disadvantages, obviously, at the moment too, we're changing up investments within regards to what happening at the moment.","start":1295.845,"end":1303.77,"sentiment":"neutral","sentiment_score":0.02965944303342929}],"sentiment":"neutral","sentiment_score":0.2284880421893752,"channel":0,"num_words":115,"start":1271.115,"end":1303.77},{"sentences":[{"text":"There is quite volatile market, but in saying that, given that you still have quite a lot of time till retirement as well, that if you did miss a few percent of, like, selling to to cash and then it going up slightly before you reinvest, it's not gonna absolutely hinder you.","start":1303.77,"end":1316.775,"sentiment":"neutral","sentiment_score":-0.03726500523491548},{"text":"It obviously just might sting just a tiny bit.","start":1316.775,"end":1319.115,"sentiment":"neutral","sentiment_score":-0.2237355477280087},{"text":"But in saying that if it goes the other way as well, if there was a bit of a a drop while you're in cash and you buy back in, you sort of set yourself up a little bit more for a bit more growth on the the rebound.","start":1319.175,"end":1329.46,"sentiment":"neutral","sentiment_score":0.008273089874763878},{"text":"But in saying that, wars, you know, as bad as I sound, they are, like, a little bit of a blip on the radar for long term superannuation investments.","start":1329.46,"end":1337.56,"sentiment":"neutral","sentiment_score":-0.21423703342162329},{"text":"It's not like sort of","start":1337.62,"end":1338.58,"sentiment":"neutral","sentiment_score":-0.07226770669221878}],"sentiment":"neutral","sentiment_score":-0.07027938403189182,"channel":0,"num_words":144,"start":1303.77,"end":1338.58},{"sentences":[{"text":"Yeah.","start":1338.4401,"end":1338.9401,"sentiment":"neutral","sentiment_score":-0.03468044847249985}],"sentiment":"neutral","sentiment_score":-0.03468044847249985,"channel":1,"num_words":1,"start":1338.4401,"end":1338.9401},{"sentences":[{"text":"terrorist tax things like COVID.","start":1338.58,"end":1339.96,"sentiment":"neutral","sentiment_score":-0.18109376728534698},{"text":"They do recover, like, quite a bit quicker once it sort of stops.","start":1340.105,"end":1343.5651,"sentiment":"neutral","sentiment_score":0.08291905717207836}],"sentiment":"neutral","sentiment_score":0.009582161489460204,"channel":0,"num_words":18,"start":1338.58,"end":1343.5651},{"sentences":[{"text":"Yeah.","start":1349.8351,"end":1350.235,"sentiment":"neutral","sentiment_score":0.07003998756408691},{"text":"Okay.","start":1350.235,"end":1350.735,"sentiment":"neutral","sentiment_score":-0.08004208654165268}],"sentiment":"neutral","sentiment_score":-0.005001049488782883,"channel":1,"num_words":2,"start":1349.8351,"end":1350.735}]},"summary":{"result":"success","short":"Kyle from OPU Financial updates Andrew on the documents that will be sent to him, reminds him of his 60-day deadline, and reminds him to read them and not recommend new products. The speaker emphasizes the benefits of estate planning for retirement goals and provides advice on managing risk profiles. They also discuss retirement savings and retirement plans for individuals, emphasizing the importance of risk management and establishing a will power of attorney. The speaker suggests showing individuals some tables and projections for their retirement savings, but emphasizes the need for flexibility and risk management. They also mention the possibility of reducing risk and investing in growth assets, and reassure Andrew that risks are manageable."},"intents":{"segments":[{"text":"Just wanna confirm that. So within regards to today, it is quite a a simple update. I know it was mainly due to wanting to review those investments following our discussion there as well. This will just be going out to your email, acameron2@bigpond.com. Is that still Yep. accurate? Cool. Perfect.","start_word":155,"end_word":205,"intents":[{"intent":"Confirm","confidence_score":0.006384573}]},{"text":"Just in regards to that, we're not recommending any new products. So it's not too difficult in the sense of, like, additional documentation you need to go through to get your head around some some new products, but that should be with you there shortly. Now Okay.","start_word":278,"end_word":324,"intents":[{"intent":"Recommend","confidence_score":0.005244245}]},{"text":"just given the time terms are being finalized and getting you booked in, it was finalized or, like, the start date there, the 03/02/2026, and then getting the document done and getting you booked back in. So it is valid for sixty days as long as you've, like, confirmed your details, which you have.","start_word":326,"end_word":379,"intents":[{"intent":"Finalize and confirm details","confidence_score":0.29574138}]},{"text":"But, you know, if you've got any sort of questions, things like that, I'd recommend sort of, you know, taking away this week and have a few a bit of a read of it and make sure you're happy with everything if you have any questions to come back as Yeah.","start_word":393,"end_word":443,"intents":[{"intent":"Make recommendations","confidence_score":0.0010412312}]},{"text":"And by now, hopefully, you've received an email with that document that you can review there, Andrew.","start_word":504,"end_word":520,"intents":[{"intent":"Review document","confidence_score":0.7806668}]},{"text":"I just wasn't able to find the time where I was guaranteed that I would be, like, during work business hours. So I had to schedule this at the end of my day somewhere in New Yep. York.","start_word":607,"end_word":644,"intents":[{"intent":"Schedule meeting","confidence_score":0.31877092}]},{"text":"In regards to that, I know you just wanna, you know, make sure it obviously is growing towards your retirement goals and making sure, you know, you're getting enough out of your your superannuation to ensure that, you know, you can afford to to do those things later in life. So Yep. we are just looking at doing a review of your investments there, make sure that those are still traveling well.","start_word":707,"end_word":778,"intents":[{"intent":"Review investments and ensure retirement goals","confidence_score":0.0024011517}]},{"text":"As far as insurances are Yep. concerned, I know following the the discussion, you were happy just maintaining your AMP just given, you know, your age is age and sort of not wanting to go back to underwriting given that at the moment.","start_word":838,"end_word":880,"intents":[{"intent":"Maintain amp","confidence_score":0.02505002}]},{"text":"Not to say that we can't have a look at it if you ever sort of feel like because obviously your premium is creeping up there a little bit, just even sort of doing that process with us when you got a bit more time and just seeing what the pricing might look like and what those terms might be.","start_word":934,"end_word":993,"intents":[{"intent":"Assess pricing and terms","confidence_score":0.009760836}]},{"text":"We can send you the overview budget planner if you'd like to just have for your reference to be able to Oh, yeah.","start_word":1046,"end_word":1068,"intents":[{"intent":"Review budget planner","confidence_score":0.11164179}]},{"text":"But if you do want a referral to, like, a mortgage broker to look at, like, investment properties as well, we can pass your details along to review Yeah.","start_word":1189,"end_word":1217,"intents":[{"intent":"Transfer details to mortgage broker","confidence_score":0.0009838586}]},{"text":"So there's a limited advice only to the superannuation. And in regards to the estate planning side of things, there is limited scope for the insurances just to illustrate some costs and things like that ongoing.","start_word":1239,"end_word":1274,"intents":[{"intent":"Review estate planning","confidence_score":0.2604087},{"intent":"Discuss cost and asset allocation","confidence_score":0.00009274235}]},{"text":"retaining that AMP for the meantime just while you have those insurances listed there as well because the balance has dropped low that 10,000. We just wanna top it up, make sure you've got enough there ongoing.","start_word":1337,"end_word":1373,"intents":[{"intent":"Maintain a mpm","confidence_score":0.002455978},{"intent":"Assess balance","confidence_score":0.0008360304}]},{"text":"And then we're looking at maintaining the both of those and then just updating the investments within the hub 24.","start_word":1715,"end_word":1734,"intents":[{"intent":"Update investment arrangements","confidence_score":0.000041224244}]},{"text":"We could look at sort of adjusting the investments within that, but currently, with the way it is invested and the return it is sort of maintaining, and then your current risk profile with the majority of funds being in half twenty four, it's not to the point where it affects your overall risk tolerance too much to where you probably need to adjust those investments at the moment.","start_word":1762,"end_word":1830,"intents":[{"intent":"Adjust investments","confidence_score":0.6995091}]},{"text":"But we're always happy to review it if you feel like that isn't the case.","start_word":1831,"end_word":1845,"intents":[{"intent":"Review investment performance","confidence_score":0.2752304}]},{"text":"And then with the the change up there, we're just making sure that you're invested in a fund that they have high conviction in moving forward with what's happening in the markets as well.","start_word":1909,"end_word":1942,"intents":[{"intent":"Maintain investment momentum","confidence_score":0.0030489834}]},{"text":"Do you have any questions in regards to the the strategy there or, moving that across to the AMP or any No.","start_word":1945,"end_word":1966,"intents":[{"intent":"Discuss strategy and strategy","confidence_score":0.002395931}]},{"text":"That I think we need to do that just to keep the insurance going. But I guess, when do you think, you know, the the insurance is costing a lot? Yep.","start_word":1967,"end_word":1997,"intents":[{"intent":"Address insurance cost","confidence_score":0.064235695}]},{"text":"At the like, from our previous conversations, obviously, you just wanna hold it just based on the fact that, you know, you do have the the insulin dependency at the moment and then also at the moment, the blood pressure and the the high cholesterol that you would just want to maintain it for the time being.","start_word":2065,"end_word":2121,"intents":[{"intent":"Hold investments","confidence_score":0.015789598},{"intent":"Maintain blood pressure","confidence_score":0.1953983}]},{"text":"So it's just how much you sort of willing to to cover for an event that something like that did happen for your family at the at the end Yeah.","start_word":2435,"end_word":2464,"intents":[{"intent":"Cover financial needs","confidence_score":0.07642119}]},{"text":"But given it's only the life policy, it's of no real benefit to you in the sense. It's more so what you're leaving behind for the family, if that makes sense. Yeah.","start_word":2510,"end_word":2541,"intents":[{"intent":"Explain disability insurance benefits","confidence_score":0.0000016319442}]},{"text":"I'm assuming, like, the interest rate on that is probably, you know, around the 4.5 something percent in terms of that. So, Yeah.","start_word":3203,"end_word":3225,"intents":[{"intent":"Educate about superannuation and interest rates","confidence_score":0.000007449649}]},{"text":"at the moment, you have more than adequate amount of risk being in a growth, that eighty twenty split, it's still, you know, got a nice time horizon to remain invested, that sort of seven to eight year time frame in holding that investment for the returns there as well.","start_word":3715,"end_word":3764,"intents":[{"intent":"Update investments","confidence_score":0.009402064}]},{"text":"as the investment switches, it'll be on page 14. It shows you the buyers and the sales. So the major things that we're selling out of then is BHYB with some bank hybrids. They're a defensive asset. They're just getting phased out, unfortunately. The government doesn't like them anymore. So with that, they'll be gone by 2032, so we're just being a little bit more proactive with that.","start_word":3847,"end_word":3914,"intents":[{"intent":"Evaluate investment options","confidence_score":0.0035543889}]},{"text":"So S and P 500 will remain the core of your portfolio and even have just a slightly higher weighting.","start_word":4137,"end_word":4156,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.06249082}]}]},"sentiments":{"segments":[{"text":"Hello. Andrew speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04790151491761208},{"text":"Good afternoon, Andrew.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.417267233133316},{"text":"It's Kyle calling from OPU Financial. How are you today?","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.27247393131256104},{"text":"I'm well.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.35366711020469666},{"text":"And you? Yeah.","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.2123493254184723},{"text":"Not too bad at all. Thanks. I've got you scheduled in for your statement of advice presentation.","start_word":21,"end_word":37,"sentiment":"positive","sentiment_score":0.3833949565887451},{"text":"Is now still a good time for Yes. you? Yep.","start_word":38,"end_word":47,"sentiment":"neutral","sentiment_score":0.23847240209579468},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.479788601398468},{"text":"Just to get stuck into that one today there, Andrew, if I could just pass through security with that name, date of birth, and current address, we can get stuck into that one today. Yep. Andrew Wayne Cameron. Date of birth, twenty sixth July seventy one. Home address is Fort Terry Avenue, Seven Yep.","start_word":49,"end_word":102,"sentiment":"neutral","sentiment_score":0.11107424646615982},{"text":"Perfect. Thank you for that one.","start_word":103,"end_word":108,"sentiment":"positive","sentiment_score":0.5989985466003418},{"text":"And Hills. just given the little bit of time that has elapsed there since we last spoke to Andrew, isn't you've had any significant changes in regards to, you know, your circumstances, financial, personal, or otherwise? No. I mean, yeah, everything's pretty much the same.","start_word":109,"end_word":153,"sentiment":"neutral","sentiment_score":-0.015851827338337898},{"text":"Perfect.","start_word":154,"end_word":154,"sentiment":"positive","sentiment_score":0.3979044556617737},{"text":"Just wanna confirm that. So within regards to today, it is quite a a simple update. I know it was mainly due to wanting to review those investments following our discussion there as well. This will just be going out to your email, acameron2@bigpond.com. Is that still Yep. accurate? Cool.","start_word":155,"end_word":204,"sentiment":"neutral","sentiment_score":0.11817334592342375},{"text":"Perfect.","start_word":205,"end_word":205,"sentiment":"positive","sentiment_score":0.3835574090480805},{"text":"That's right. I definitely know these calls are recorded for quality and training purposes there as well, and then this will be there shortly. Now in regards to the documents that are attached there as well, you'll have the same advisory appendix to that, the Oakview services guide and Oakview financial services guide as well, and then a little bit of information on Hub 24, your current product that you do have. Just in regards to that, we're not recommending any new products. So it's not too difficult in the sense of, like, additional documentation you need to go through to get your head around some some new products, but that should be with you there shortly. Now Okay. just given the time terms are being finalized and getting you booked in, it was finalized or, like, the start date there, the 03/02/2026, and then getting the document done and getting you booked back in. So it is valid for sixty days as long as you've, like, confirmed your details, which you have. So you've got until sort of next month to be able to sign that. But, you know, if you've got any sort of questions, things like that, I'd recommend sort of, you know, taking away this week and have a few a bit of a read of it and make sure you're happy with everything if you have any questions to come back as Yeah. Okay. well.","start_word":206,"end_word":445,"sentiment":"neutral","sentiment_score":0.04796118791370342},{"text":"Perfect.","start_word":446,"end_word":446,"sentiment":"positive","sentiment_score":0.5239232778549194},{"text":"So it is prepared for yourself by myself, Kyle Goodings, as a authorized representative under Financial. Now in regards to that, you do have the best interest duty at the the top there, which is just basically, if we can't put you in a better position, we wouldn't recommend it. So that's what that one is there. And by now, hopefully, you've received an email with that document that you can review there, Andrew. Okay. Sorry. I'm I'm in the car. I'm parked. Oh, okay. No problem. What I can do then if you sort of don't wanna run through it while you're on the phone there and even if you sort of take off driving, I'll give you a quick rundown of what the actual advice is, and then you can take your time to read through it a little bit more in-depth around the advantages, disadvantages, things like that. How Yeah. does that sound? No. That's good. Yeah. I just wasn't able to find the time where I was guaranteed that I would be, like, during work business hours. So I had to schedule this at the end of my day somewhere in New Yep. York. Not a not a problem, Andrew.","start_word":447,"end_word":650,"sentiment":"neutral","sentiment_score":-0.02219061367213726},{"text":"Well, I'll make this quick for you so you can get home, and then, obviously, you can have a read through it in your own time, make sure you're satisfied with everything.","start_word":651,"end_word":682,"sentiment":"positive","sentiment_score":0.5305666923522949},{"text":"Now as Yeah. far as the advice there, the scope of it, basically, pertaining basically to superannuation and the estate planning side of things.","start_word":683,"end_word":706,"sentiment":"neutral","sentiment_score":0.1730024814605713},{"text":"In regards to that, I know you just wanna, you know, make sure it obviously is growing towards your retirement goals and making sure, you know, you're getting enough out of your your superannuation to ensure that, you know, you can afford to to do those things later in life.","start_word":707,"end_word":756,"sentiment":"positive","sentiment_score":0.37147802114486694},{"text":"So Yep. we are just looking at doing a review of your investments there, make sure that those are still traveling well. Estate planning matters, obviously, that's always important. The fact that you don't have a will yet, but you're looking into it.","start_word":757,"end_word":799,"sentiment":"neutral","sentiment_score":0.23207424581050873},{"text":"We just wanna put this in as a bit of reminder to obviously do that. And then I know you have your your partner there as your beneficiary, so that's fantastic. We're looking at keeping that the same.","start_word":800,"end_word":837,"sentiment":"positive","sentiment_score":0.5214698910713196},{"text":"As far as insurances are Yep. concerned, I know following the the discussion, you were happy just maintaining your AMP just given, you know, your age is age and sort of not wanting to go back to underwriting given that at the moment. Should things change in the future, we can obviously do a review. But given that you got the the health history there as well, it's likely you would end up some sort of loadings and things like that as well, which means that it's Yeah. likely to to cost a bit as well. Not to say that we can't have a look at it if you ever sort of feel like because obviously your premium is creeping up there a little bit, just even sort of doing that process with us when you got a bit more time and just seeing what the pricing might look like and what those terms might be. In regards to stuff we're aware of, but having considered in regards to this as well is just your budgeting savings. I know you sorta, you know, wanna do some minor renovations and do your holidays, things like that as well, but we haven't done any sort of cash flow on budgeting. We can send you the overview budget planner if you'd like to just have for your reference to be able to Oh, yeah. That'd be helpful. Yep. It's just a little Excel tool. You know, you can plug it in. It's really good for, you know, finding out that you do have way too many subscriptions and maybe need to cancel a few as well. Yeah. Okay. We did also check-in here that we're aware of that. Maybe down the track, you may wanna look into that self managed super. But given sort of the information I gave you at the time, you weren't looking to go ahead with that based on the fact you mainly wanted it for looking at getting a property for your your children. But given the arm's length rules, that wouldn't be possible through a self made super. But if you do want a referral to, like, a mortgage broker to look at, like, investment properties as well, we can pass your details along to review Yeah. that given that you do have, like, a nice bit of equity in your current home there Okay. as well.","start_word":838,"end_word":1237,"sentiment":"neutral","sentiment_score":0.030951359197497367},{"text":"Perfect.","start_word":1238,"end_word":1238,"sentiment":"positive","sentiment_score":0.4515323042869568},{"text":"So there's a limited advice only to the superannuation. And in regards to the estate planning side of things, there is limited scope for the insurances just to illustrate some costs and things like that ongoing. As far as the advice to you, quite simply put, it's to partially roll over some of your hub twenty four superannuation to your AMP just to cover those premiums and make sure given that you are contributing majority to hub twenty four that your balance is high enough to be able to facilitate those premiums with that rollover and then Yep. retaining that AMP for the meantime just while you have those insurances listed there as well because the balance has dropped low that 10,000. We just wanna top it up, make sure you've got enough there ongoing. And then we review, obviously, the the 12, make sure that and if you haven't opted in, which I believe you have, it's just something to be mindful of as well that you have better visibility with the your current fund with that to be able to maintain those insurances. We're obviously aware of it, and we do follow-up quite regularly, but it's important that you sort of do keep on top of that as well in case we, you know, ever drop the ball just as Mhmm. a reminder. Okay. And then in regards to your we'll establish a will and establish a power of attorney there as well as far as beneficiaries. That's fine with being the spouse. You can confirm your details there on page seven and eight. Just make sure they are all accurate in regards to asset liabilities, your your occupation, things like that as well. As far as your current position, you got your hub twenty four year AMP and the the life insurance through AMP for around the 550,000, and the premium for that one's around 4,400. So we just wanna make sure we're able to pay for that. As far as your risk profile is concerned, still a growth risk profile, that eighty twenty sort of split or around those sort of marks in regards to growth assets versus defensive. So we're looking at keeping that largely the same. The update will change your allocation slightly, but not to any degree that you should be concerned. So as far as the advice, recommending that we roll over to AMP to top it up to 15,000. Now, obviously, if you were to accept this advice document, they had to organize the forms there for you to be able to do that. They'd probably give you a call and get the updated balance for your AMP super just to make sure that those figures line up. So we are getting to the 15 just with what's going on in the market there as well. Yeah. And then we're looking at maintaining the both of those and then just updating the investments within the hub 24. Now in regards to your AMP super, obviously, you're putting a little bit of money in there. It's not really for any purpose other than the insurances. We could look at sort of adjusting the investments within that, but currently, with the way it is invested and the return it is sort of maintaining, and then your current risk profile with the majority of funds being in half twenty four, it's not to the point where it affects your overall risk tolerance too much to where you probably need to adjust those investments at the moment. But we're always happy to review it if you feel like that isn't the case.","start_word":1239,"end_word":1845,"sentiment":"neutral","sentiment_score":0.06326387636670368},{"text":"But in regards to your best interest, even with that, your hub twenty four and the investments that you have had have been performing better than the A and P, then if you were to sort of just be in an A and P super fund in return to that, plus you have access to OQ services in regards to that as well. And then with the the change up there, we're just making sure that you're invested in a fund that they have high conviction in moving forward with what's happening in the markets as well.","start_word":1846,"end_word":1942,"sentiment":"positive","sentiment_score":0.5085455775260925},{"text":"Mhmm. Okay. Do you have any questions in regards to the the strategy there or, moving that across to the AMP or any No. That I think we need to do that just to keep the insurance going. But I guess, when do you think, you know, the the insurance is costing a lot? Yep. When when do you think, you know, you can kinda go, okay. Time to stop paying the insurance and, you know, put the money into super. Like, let it let it go in, like, with the hub twenty four money. Yep. No. I completely mean what you you you're saying there. So, obviously, insurances is just risk mitigation at the end of the day there as well. At the like, from our previous conversations, obviously, you just wanna hold it just based on the fact that, you know, you do have the the insulin dependency at the moment and then also at the moment, the blood pressure and the the high cholesterol that you would just want to maintain it for the time being. Because it is only a life policy, say, you know, you got your blood pressure and cholesterol down to, like, a level that your doctor was happy with and you're not sort of taking medications and you're only diabetic, you may be able to look at a retail policy that may end up being cheaper once you sort of don't have loadings for those types of conditions and things like that or the risk of decline. And then Yep. from there, if that isn't the case and you just wanna work towards being self insured, if you've knocked down enough of your primary residence debt to where you feel, hey. If I go, you know, worst case scenario, my superannuation is gonna cover what's left of the mortgage, and then my partner is such. She can, you know, be out ongoing without me, without any financial support, same within regards to to children, things like that as well. If they're all fine and old enough to where they don't rely on you, or do you need those sort of excess funds for the living expenses, you can look to get rid of it and just aim towards growth. Another option well is, yeah, basically, if you were to have an outside sort of super or just look to putting more into super to help become a little bit more, like, self insured, Like, you you don't have to have insurances. It's a risk mitigation tool. But, you know, say if you were injured, unable to work tomorrow, you know, to where you know, given that it's not total permanent disability, it still wouldn't help you in the sense of that. It's mainly if you were to go that you're looking after the family and things like that. Sure. I have to die for it to be of any benefit to somebody else. Yeah. So it's just how much you sort of willing to to cover for an event that something like that did happen for your family at the at the end Yeah. I of the know. day. Obviously, if you had, like, IP and TPD and things like that, it might be a little bit different because if you're not able to work, you might be able to sort of claim on one of those other insurances.","start_word":1943,"end_word":2509,"sentiment":"neutral","sentiment_score":0.007716771169209186},{"text":"But given it's only the life policy, it's of no real benefit to you in the sense.","start_word":2510,"end_word":2526,"sentiment":"negative","sentiment_score":-0.5336897373199463},{"text":"It's more so what you're leaving behind for the family, if that makes sense. Yeah. Alright. Now sorry. I'll just get one other question. So I I Yep. work with a lot of old like, we're a bus driver, so a lot of our employees or my my colleagues are, like, older. Yep. And, you know, is I've just been thinking, like, they talk a lot about super and been thinking about salary sacrificing just a little bit into super just to almost like to make sure that I'm actually saving some of my current income and having it do something worthwhile for the future. Yep. Yes. Is there a minimum that's, you know, No. Well, in in that like, sense, worthwhile? like you said, it is a bit of a forced savings. The one thing with it is given, you know, your age till six, you still would be locking the money away for, you know, that sort of six year time frame before you'd be looking at getting any sort of access to it or benefit to it. If it's something that, you know, given that you paid down, like, a fair bit of mortgage, you don't have too much debt and you just wanna, you know, focus on the retirement just a little bit. Any sort of money can sort of contribute to help to go into that. In terms of, like, knocking you out of a a tax bracket, it won't exactly do that for you because you're kinda banksmacking the the middle of one there. Yeah. Go I'd help you in that sense. It would just be a bit of a forced savings, a bit of an additional contribution to super because it is compounding, obviously.","start_word":2527,"end_word":2817,"sentiment":"neutral","sentiment_score":0.007344372104853392},{"text":"I know a lot of people that do even just the $25 a week because they feel like, you know, a dollar invested today is better than, you know, spend on a McDonald's meal tomorrow.","start_word":2818,"end_word":2852,"sentiment":"positive","sentiment_score":0.5345615148544312},{"text":"Yeah. I So guess that I'd is rather an put option. some aside that some benefit that kind of I won't miss it. Yeah. And then with that, like, the the take home, like, if even if you did, like, the $100 a month, take home for your current salary, you know, you would be taking home less than what you would be if it was, like, going invested into super because you've gone that, like, 30% plus Medicare. So it's, like, 32% roughly of what you're sort of getting charged in terms of, like, tax. You're taking home, you know, a bit under, you know, $70 or, like, a month for that $100.","start_word":2853,"end_word":2966,"sentiment":"neutral","sentiment_score":0.1796485036611557},{"text":"But if you put into super, you get to invest $85 of that into your superannuation because it's taxed at 15%. So you get a little bit more of a benefit in that sense as well that you do save on a little bit of a tax, and you do have a higher amount that is invested as well.","start_word":2967,"end_word":3025,"sentiment":"positive","sentiment_score":0.47073838114738464},{"text":"Yeah. Okay. Alright. Obviously, we Well, can thanks look into, a bit.","start_word":3026,"end_word":3037,"sentiment":"neutral","sentiment_score":0.26298224925994873},{"text":"yeah, salary sacrifice strategies and things like that and show you what it looks like in terms of if you're just happy with an amount you're foregoing and things like that as well.","start_word":3038,"end_word":3070,"sentiment":"positive","sentiment_score":0.39513176679611206},{"text":"You can just, like, you know, talk to your payroll and just go, hey. I wanna start a salary sacrifice arrangement as Yep. well, Yeah. Oh, if he that said all makes sense. the boss has said, yeah, he's happy to do it for like, he does it for, like, a lot of a lot of the guys put in, like, a big percentage just to you know, they're really, like, topping up their super and just I don't really really know what they're doing, but yeah. So it's not a Yeah. problem for the employer. Yeah. It kinda just depends on what your goals are. Like, if you your main goal is to, you know, be debt free in retirement, you know, might wanna be focusing on paying down the mortgage. I'm assuming, like, the interest rate on that is probably, you know, around the 4.5 something percent in terms of that. So, Yeah. It's on you know my note. yeah.","start_word":3071,"end_word":3232,"sentiment":"neutral","sentiment_score":0.24705169763829973},{"text":"So money going on to that, like, essentially, you're offsetting that percentage of interest that you would have to pay given that it's not a deduction because it's, like, a non investment property versus, like, within superannuation and your your super is performing quite well and, you know, you are getting an a nice return, that's the return you'd be getting on that money as opposed to, like, having it on the mortgage and offsetting the interest.","start_word":3233,"end_word":3309,"sentiment":"positive","sentiment_score":0.35030558705329895},{"text":"So it's like, do you wanna save on on interest, or do you wanna have it accumulating a little bit more towards retirement at a later date sort of thing as well? Yeah. But like you said, a little bit of the the case is, you know, it might not end up on the mortgage. It might just end up, you know, bit more leisure activities and things like that as well depending on Yeah. where you sort of at Yeah. with things. Yeah. So it's definitely an option, something to consider. If you did want us to sorta show you, like, some tables and what that sorta looks like. Obviously, projections to always be taken with that crane of salt in terms of Yeah. like that.","start_word":3310,"end_word":3436,"sentiment":"neutral","sentiment_score":0.12846729159355164},{"text":"But, you know, twelve month performance in your super even with what happened with the war in in Ukraine and things like that as well, you still did 9.11% after fees, which is still really, really good given it's a growth portfolio and given what has occurred there currently in regards to the the world politics stage at the moment.","start_word":3437,"end_word":3496,"sentiment":"positive","sentiment_score":0.4067257046699524},{"text":"Obviously, Oh, we're looking at doing yeah. a bit of an update at the moment just to remove that ban along just because of how it has performed. I don't know if you remember our previous discussion and then getting you a bit of an update there. But in saying that down the track too, we can also, you know, show you what some salary sacrifice and things that that looks like.","start_word":3497,"end_word":3568,"sentiment":"neutral","sentiment_score":0.08446314930915833},{"text":"But if you're happy just doing it yourself as well, like I said, if your if your employer is happy to do it, it's as simple as just going to them and doing it as well. Alright. Okay. Perfect.","start_word":3569,"end_word":3607,"sentiment":"positive","sentiment_score":0.4671240448951721},{"text":"Do you have any other questions in regards to that at No. That's it. all? Right. Obviously, in regards to, like, projecting out retirement, that is why we didn't look at that because you sort of aiming at that 67 at the moment. I don't know if that would change. So it's just it's a rough age Sure. based on what we have sort of stated previously. You know, you might wanna start taking a little bit out at 60 and things like that, but we're not gonna project anything until you got a bit more hard and fast since probably a few years away. But Yeah. at the moment, you have more than adequate amount of risk being in a growth, that eighty twenty split, it's still, you know, got a nice time horizon to remain invested, that sort of seven to eight year time frame in holding that investment for the returns there as well. Another option for you that we didn't sort of do just because I know you stated you're happy with how your contributions are going in, you can move them back to AMP just to ensure that, you know, you do have a nice balance going in there, but we're putting enough money back there at the moment to at least cover another year's worth of premiums, and it should still be above the 10,000 at that point as well. As far Okay. as the investment switches, it'll be on page 14. It shows you the buyers and the sales. So the major things that we're selling out of then is BHYB with some bank hybrids. They're a defensive asset. They're just getting phased out, unfortunately.","start_word":3608,"end_word":3889,"sentiment":"neutral","sentiment_score":0.12364576936613585},{"text":"The government doesn't like them anymore.","start_word":3890,"end_word":3895,"sentiment":"negative","sentiment_score":-0.43870270252227783},{"text":"So with that, they'll be gone by 2032, so we're just being a little bit more proactive with that. We're moving away Yep. from Banyan and Lithium Tech and then also you've been along Australian managed fund. So we are making you in a bit more of a passive account, which does help with that volatility as well, especially with what's happening in the world and also a bit like, also to your risk tolerance and, you know, the volatility of the ups and the downs and relying on a fund manager to pick the right winners where, obviously, the Bennelong Fund that you do hold, even though it's not a major portion of your portfolio, did have a quite a backward step just due to some decisions and, obviously, investing there as well, which impacted your portfolio's performance a bit. You'll also be selling out of the Australian property investment you do hold and then also the RAFT Australian 200, which is like the top Australian 200 companies, but it's basically calculated a little bit differently. With that, you'll be going into a bit of exposure in Europe, Japan, and then Vanguard Orwell, which is like all your investments that hold outside of The US, bit of exposure in that Asia, Europe market as well, and then the BetaShares Australian 200, which is the top 200 companies in Australia. And then the rest of it will just be adjusted slightly.","start_word":3896,"end_word":4136,"sentiment":"neutral","sentiment_score":-0.012630122980388864},{"text":"So S and P 500 will remain the core of your portfolio and even have just a slightly higher weighting.","start_word":4137,"end_word":4156,"sentiment":"positive","sentiment_score":0.34230950474739075},{"text":"And then the rest of your core will be that BetaShares Australian two hundred, and the other ones are a little bit more satellite approach where they're, you know, in the bit more of the emerging market space to because, like, they do have that little bit more volatility just to aim for a little bit more growth and diversification as well, if that makes sense. I Okay. know, obviously, Yeah. No I'm sense. rushing You through it a little bit through. Just trying to get Yeah. through it there. Now in regards to the allocations there, so the aims are on the eighty twenty sort of split. In regards to that one, you are currently around 82% growth and around 18% defensive. This does bump you up a little bit to 86% growth and around, you know, that 14% defensive. Now within regards to that, they have considered gold a total growth asset, which it can be considered defensive as well, which does increase it a little bit in terms of that. And then also in regards to that one, you may increase the amount of growth assets you hold slightly, but you are also reducing the manager risk by not having those managed funds and then tracking those indexes, which not only, you know, reduces your risk in terms of, like, they can pick some some bad winners, but it also, in regards to that, is more expensive having those managed funds.","start_word":4157,"end_word":4400,"sentiment":"neutral","sentiment_score":0.1885577142238617},{"text":"So you'll be saving on fees moving forward for administration costs as well. I think that makes sense. Sure. Yep. Alright. So with that, you'll have a little bit of a guaranteed savings moving forward.","start_word":4401,"end_word":4435,"sentiment":"positive","sentiment_score":0.48817214369773865},{"text":"Obviously, you'll have a little bit of the money going back to to AMP, but overall, it still puts you off in sort of a better position based on those past performance rolling averages there.","start_word":4436,"end_word":4470,"sentiment":"neutral","sentiment_score":0.0721917599439621},{"text":"And with the the guaranteed savings, that also goes towards investment growth at the end of the day, which is nice.","start_word":4471,"end_word":4491,"sentiment":"positive","sentiment_score":0.6330784559249878},{"text":"The back end of the advice document there is just in regards to establishing a will power of attorney. Those sort of steps and the benefits and disadvantages, obviously, at the moment too, we're changing up investments within regards to what happening at the moment. There is quite volatile market, but in saying that, given that you still have quite a lot of time till retirement as well, that if you did miss a few percent of, like, selling to to cash and then it going up slightly before you reinvest, it's not gonna absolutely hinder you. It obviously just might sting just a tiny bit. But in saying that if it goes the other way as well, if there was a bit of a a drop while you're in cash and you buy back in, you sort of set yourself up a little bit more for a bit more growth on the the rebound. But in saying that, wars, you know, as bad as I sound, they are, like, a little bit of a blip on the radar for long term superannuation investments. It's not like sort of Yeah. terrorist tax things like COVID. They do recover, like, quite a bit quicker once it sort of stops. Yeah. Okay.","start_word":4492,"end_word":4701,"sentiment":"neutral","sentiment_score":-0.036862000823020935}],"average":{"sentiment":"neutral","sentiment_score":0.11189027489228905}}}}