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Ian, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there for you. So just to confirm your full name, your date of birth, and address that you have on file? Beautiful. Thank you so much for that. And how's your week been so far? Understandable. Hopefully, you have a good relaxing weekend ahead there. Fantastic. Oh, that'll be really nice. Ian, I've got the I sent the advice document through to you there. Have you been able to jump into your emails and pull that one up at all? Oh, that's okay. Are you able to access your emails? If you can't, that is fine. I'm able to run you through the recommendations and let you have a look at it later. What's easier for you? Yeah. You're fine. It should come through from OdooSign. Yep. So the email I have here for you sorry. It should be at lab_mouse@hotmail.com. Double check your junk mail. It might also take a little bit of time. They normally come through pretty pretty quickly, but you just never know with technology. You just never know. I'm just double I've had that happen a few times. I'm not sure how that that occurs. But, yeah, I could always resend it if you like to see if it comes through on the PC while you're sitting there. That'll be okay. That's alright. Excellent. So when you can see the document there, there is that button to sign in order to to press to sign to move forward. I will never ask you to sign anything you haven't read. It's just so you can review the document there, and you'll be able to go back and review that after the call there as well. Okay? Perfect. So on the front page there, it's noted down that the statement of advice has been prepared for yourself as of the thirtieth December September twenty twenty six. We date the document for the date that we are presenting it to you because all of our advice is valid for sixty days after the presentation date or the date on the document. So it just gives you time to review it to make your decisions as well. Okay? Yep. At the bottom of that, it has been prepared by myself and my lovely team here at Oakview Financial, and it's got my license registration number as a licensed financial adviser there for you as well. Okay? Moving forward throughout the document, we have the best interest, Judy. Just letting you know that any advice we do provide is meant to be essentially looking after your goals and working towards your long term goals. So we do what we do. We go to the point of doing reviews, looking at your goals, and then providing advice to help you achieve those goals down the track there. Then you've got your table of contents, and we, after that, have essentially the scoping in and out. These are areas that we are and or are not looking at advice for you today. Essentially, this advice document has been limited to superannuation. One of your goals was that you are looking at wanting to build your super and achieve the best possible returns overall, hoping to have some active management within your portfolio, which is the expected to deliver net benefits after fees and aiming to, be able to access your super as early as possible, which at the moment is about 60. Does that still feel appropriate to your goals? Would there be any changes since we last caught up? Yeah. Beautiful. I've also considered the estate planning side of things. So we talked about sending out your beneficiary nominations, and my team has sent those out. Have you received those as of yet? If you haven't, I can have them resent. Yep. That's absolutely that's absolutely fine. I'll keep sort of making it mentioned to you to make sure that they are updated and correct for you. If you have any problems or questions, please don't ever hesitate to give me a call. But I've just scoped in the estate planning things to make sure here that your beneficiaries are set up as per your wishes, just making sure that your super is directed to Candice in the event that anything occurs. Okay? Beautiful. Areas that we are not looking at advice are on the next page down. So areas of personal shares, you do have personal investments outside of super. You are just looking after those at the moment. If you did need any additional support to drive down the track, we can always come back and look at that for you. We've also scoped out anything regarding the business. So you're looking at opening or starting a mobile remediation business down the track, building that alongside your current employment and then transitioning over to that full time in the future. We're not providing additional advice at the moment, but how is that going for you? Progress? No. Okay. Yeah. Yeah. Yep. No. I understand. Absolutely. Your life is very full and busy, so this is adding one more busy thing into it for you. Yeah. You've also got homeownership. So potential of looking at owning a home in the future that is scoped out for the time being as well and personal insurances. So you don't have life, safety, income protection, or trauma cover. You are happy with the way not having those currently, but if down the track you wanted to revisit that, wanted to look at getting those types of insurance, you're welcome to let me know, and we can have that further conversation there. Okay? And then also scopes out anything to do with the personal travel and the cash flow side around that. You're wanting to take a trip to The US in 2032, and you are working towards that goal currently. So advice for us would be around cash flow and budgeting and saving and things like that. We're scoping that out for the time being, but can assist you in that area down the track if you would like it. Okay? Excellent. The next couple of pages outline the about you section to the information that we had on the previous fact line. We've also got your assets and liabilities there. What I would like to maybe do, if possible, is get you to scroll down to page number 14 where I'll send to take you through the recommendations. Beautiful. So with this one here, after we spoke in your annual review, I went back and reviewed the portfolio as well as the super platform to make sure everything was working well for you. I do review the platform as well to see if there's anything better or any other way of reducing fees and of making sure your super is working harder for you, I am recommending that you do retain the hub 24 platform. There are other cheaper platforms out there. However, one of the things I do like to take into consideration is the capital gains consequences. So if we had of looked at recommending a full sell down of your portfolio and moving you to a new platform, you would have been cementing capital gains of $5,225.31. That is a very large chunk of money, and it is harder to once you roll that to another platform, start to make that back. It take it takes time. So one of the things I wanted to look at doing was altering your portfolio to keep things working towards your goals, but minimizing the tax consequences as much as possible for your super fund. Okay? So recommending you do retain the hub 24 platform, also keeping your contributions going in there as they are, but we are gonna look at altering the portfolio for you. If I can get you just to skip a skip a couple of pages there for me and go down to page number 21, I'll take you through the changes to be made there to your portfolio to make it easier. Beautiful. This essentially shows that your current super fund there with your current and current investments with the way they are currently set in the fund. The first column has the individual investments, the APIR code on the next one, your current investment weighting and the current balance within each of those funds. The next column is the one I like to sort of focus on. This is where we're gonna be buying and selling, and the last two columns show the target. So once we've made the changes, how much of your portfolio would be in each of these investments and the target balance to be held there as well for you. Okay? Yeah. So, essentially, having a look at the investments and looking at some of the ones that have been underperforming this year and looking at ways to update your portfolio so that we can look to make the investment cheaper as much as possible, but also make sure they are performing really well as well. You're definitely in one of the older portfolios. So, essentially, changes I wanna make to your portfolio here. We're gonna keep your physical gold, but you're a little bit underweighted currently. So we do wanna buy a little bit more of that, bring you up to 8% weighting then. Physical silver has been good over the past, but it is underperforming a little bit at the moment. So we're just gonna remove that from your portfolio wholly, cement the gains that it has made, and bring you down to zero within the physical silver space. The Bannalong Australian Equities, this was an actively managed portion of your super fund. This has been underperforming. The investment itself has had some issues within their fund and the investments that they're investing in, And, therefore, it is underperforming and holding your super back a little bit, so I am removing that completely from your super fund there as well. Okay? The Vanguard diversified index fund, that one there, again, removing wholly. It is underperforming a little bit. It is a great low cost fund to have, but we are looking at, building in other areas. So it has done well over the past. Right now, it's not doing as well, and it's had a little bit of an issue. So we'd like to remove it as underperforming and distribute the funds into other areas that we see growth coming from. We've got the cybersecurity in there. So the hack, that one has done really well. This year has been a little bit up and down with the markets. However, it is still a really good place to be invested. Essentially, this is giving you exposure to global cybersecurity. It's also giving you exposure to tech and a little bit of AI as well. So we do see really good space in the market there, and the economists that we've been talking to are still wanting to keep that in place. They are sort of saying that this is an area of definite growth down the track. So we'll keep that in there and just keep watching the space and see what it's doing. But we are just rebalancing you a little bit. So we wanna hold 5% of this investment. You've currently got 5.80%. So we're just gonna sell a little bit off and rebalance you back there as well. Okay? Excellent. You've got the battery and lithium tech in there. This year has had a lot of ups and downs. We are looking to remove that completely from the portfolio. Essentially, this this particular year has had a lot of ups and downs that it has been performing quite nicely, but there are other ways to sort of hold a little bit of tech, and that's part of having the cybersecurity investment there for you as well. Okay? You've also got the e t the ETSS Morningstar global tech investment. Again, having had called a little bit of tech, but also holding some of the other investments also gives you exposure to tech companies. So we are just looking to remove this investment completely from the portfolio for you as well. You've also got in there the iShares Europe. That one is going to be solely removed as well. We're still keeping European exposure, but we have got another way to hold it. We've also got the S and P 500. Now this is essentially giving you access and exposure to the top 500 companies on The US. It can hold anywhere from 500 to 520 companies, and it is tracking the industry. So you are always tracking the top 500 companies. So we wanna hold about 20% of this investment. It is still good. Has been a lot of ups and downs, but, realistically, you do get really good growth from The US market over the longer term. So we are just gonna rebalance you back slightly from 24% to 20% there. Okay? We've got the iShares Asia. This one hasn't really been doing what we wanted it to, so we are looking to remove that completely from the portfolio. Asia has been a little bit up and down. We still can see growth coming, but we'll just sort of monitor and see whether it's worth move moving back into the portfolio down the track. But for now, completely moving that from the portfolio for you. And then the Vanguard Australian fixed interest, this is defensive in nature. We do wanna keep fixed interest investments within there to keep that sort of growth allocation for you. However, this investment has been underperforming, so we don't wanna keep it in there anymore and wanna remove that and reinvest your fixed interest in other ways. Okay? So what we're gonna do to buy in, and you'll see, we've removed quite a lot from the portfolio and rebalanced some areas. Underneath that, we have got the beta shares quality ETF. So India has been a little bit up and down, but, realistically, this investment gives Australian investors a target exposure to 30 high performing Indian companies, and they're selected for strong financial health. So it is a good place to be. They are still seeing growth within the Indian market, and we'll just keep watching that. This is more of an a somatic ETF, so it is tracking a certain yeah. A a theme, essentially, with the Indian side of things. We'll keep monitoring that moving forward with you. If we find it's not performing the way we hope it does, then we'll definitely move it out of your portfolio for you. But, economists are predicting good things to come out of India, and it is still a good place to start investing at the moment. Okay? Underneath that, we've got global health care. This is giving you exposure to global health care. So across the entire globe, one of the really important things with a portfolio is diversification, and this helps to give you diversification by investing across the globe there within the health care space. This is not only looking at health care services, but it's also looking at the health care tech sector as well. So there's a lot of AI boom coming up in the health side of things, and this also looks to invest you in that area a little bit as well. Underneath that, we're keeping your Australian exposure. So, essentially, we are removing the bet along Australian equities because it has been underperforming, but we still wanna have you invested in the Australian market there. So this is good. We're investing you within the Raffy two hundred and the BetaShares Australian two hundred. Between these two investments, they are giving you exposure to essentially the top 200 to 400 different companies. They do invest in different things. Some of these do cross over a little bit, but we're just holding 1510%. So it does give you some of the same sort of investments like a lot of banking. So they both technically hold BHP, bits of ANZ, Westpac, Woodside, National Australia Bank, and Woolworths, but they also have some small differences within them as well when you look at the lower side of things. So between that, it's giving you access and exposure to the top, technically, two to 400 companies on the Australian market. Both of these have seen really good growth, and we do still wanna hold that Australian exposure to replace that Bannalong Australian equities aspect as well. Okay? Excellent. The next one in there and the one thing I sort of wanted to keep with you that we talked about was making sure you still had a little bit of an active management component within your portfolio because that's what Benelon was meant to bring. So I've looked at holding the having some active management within your portfolio, but trying to make it as low cost as possible. So that's what this next investment is. It's a JPMorgan Global Research Enhanced Equity Fund. This is essentially giving you a it's part passive, part active. It's only a small percent active roundabouts, so the 10 to 15% active management. The rest of it is essentially passive. It's a low cost fund, and they certainly find areas where there are fundamental insights, where they are able to build and add additional investments within their portfolio there, and it utilizes JPMorgan's research team to do that. So it's about having a little bit of active management in there to take on a little bit more risk and get, you know, greater potential returns, but also making sure we're diversifying. This is also global, so it is looking at the global, you know, the world over and also making sure essentially that, you know, you are low cost as much as possible. One of the things I wanted to look at was trying to reduce fees within your portfolio because your older portfolio was costing a little bit. So being able to reduce fees for you means that more money stays within your portfolio working harder for you. Does that make sense? Absolutely. Underneath that on the next page there, the last two that didn't quite fit, you've got the iShares Yield Plus and also the iShares Core composite bond. So these are essentially giving you access and exposure to defensive investments. Within that growth environment, we wanna see about 20% invested in defensive investments there. So this is essentially giving you access exposure to core composite bonds, which are great income producing and high yield shares, which, again, are really good for income production. We wanna see income produced out of these investments. That way, the funds get paid into your cash account and reinvested for compounding, and that over longer term can support additional growth on top of, yeah, the the the growth side of things in your portfolio. I like to see a combination of growth as well as income to see that compounding work for you in your portfolio there. That is essentially an easy breakdown of each of those investments. Is there any questions or anything you wanted to delve into a little bit deeper? Mhmm. Yeah. Yeah. So with that, you're looking at page 23 at the moment where you've got the proposed asset allocation there. And the first column and second column essentially show where our our our risk portfolio should sit, essentially, what we're aiming for with regard to each of the existing and proposed investments. With your current, you currently have about 21.58% invested in Australian shares, 51.22 in Australia as a international equities. Property, nothing currently, and 11.80 in alternative growth assets. It essentially gives you 84.60% growth. Within cash, about 3.10%, 12.30% within fixed interest, and nothing with defensive alternative status. So current defensive asset allocation is 15.40%. With the newer portfolio, we see the growth asset allocation dropped to about 80.98%, so a little bit more closer to the growth risk profile asset allocation there, and then 19 point 03%. So bringing up the defensive asset allocation there, it's keeping you within that 80 sort of 20 split, but also making sure to increase the defensive component just slightly for income production and also to overall lower the risk portfolio just a little bit or the risk side of things a little bit for you. Yeah. Easy. If you scroll back up to page 19 for me, I can show you the cost size of things in the projection table there as well. Beautiful. So the first column there outlines your current balance. It's got the current investment fees, admin fees, the ongoing service fee, the net contributions going in there, and, essentially, underneath there, the growth portfolio with the current five year rolling average. Hasn't really been performing the way we wanted it to, so moving things out and also the portfolio is really good to do. As I kinda mentioned before, one of the things I look at is the CGT consequences because just like you, your super fund does a tax return. And when we do switch or alter investments, your super fund has to account for capital gains. With making the switch that we've just gone through, the estimated capital gains is $647. So instead of having a $5,000 CDT consequence, I've been able to reduce it as much as possible to 647 by offsetting as much of the losses as possible against the gains for being able to switch your portfolio, which is a positive thing. That essentially means that after the switch and after the CGT, the balance at the top there, the $3.61 is how much is expected to be within your super fund after the switch is being completed. Okay? Underneath that, you've got your investment fees and also the admin fees. There's no change to admin fees because we're retaining a platform. However, investment fees do drop significantly. So we're saving about $1,301 in investment fees, which is great. That essentially means there's more money that stays invested in your super compounding harder for you. We also can expect the ongoing service fee for our services to drop and save you about $261 a year there as well, which is a positive thing. Yeah. Contributions continue to go in at the same rate. You've got no insurance premiums coming out. However, keeping you in that growth asset allocation, the newer portfolio has averaged 10.18% on a yearly basis. If it can do what it has done over the past sort of five years, then we can sort of see where that's projected to put you over the next five to ten years, which does put you in a much better position, essentially. Yeah. Do you have any questions about that that table at all? Yes. Easy. Essentially, the only other side of things I wanted to go through was just with regard to the beneficiary side of things. That's down on page number 24. So just making sure your beneficiary nominations are completed, nominating a 100% of Candice in the event that anything does happen. If you do need any assistance, please let us know. We're more than happy to help you to have that prefilled out. Just making sure that everything is dotted and sorted. That way, if in the event that anything was to happen, the claim would be much easier on her just to cover all your bases, essentially. I also do make a recommendation that you do speak to a solicitor and make sure a will and power of attorneys are definitely drawn up. You can also do them through the local trustee if you need it, which can be a little bit cheaper. And you can also get a a will kit from the post office to make it cheaper again. Just making sure they are filled out as per the instructions to make sure they are valid is the main main concern with those. Okay. Excellent. With the advice piece, this is all provided as part of our ongoing services to you, So there is no implementation fees involved. You just pay the ongoing service fee, which we estimate to be 5,800 for the year there. We'll make sure we do some reviews. Once you've got some time to go back and have a read to the document, because I know it can be a lot when I'm going through it with you. So you're welcome to take some time. And it's early morning there. It's only 07:30, so I hope you've had your coffee at least. Oh, you're good. I I understand that one. Essentially, with this one here, you're welcome to take it back. Have a read the document. If you do find you have any additional questions, please do let me know. If you do find that there are any that you're happy to go ahead with the recommendations, we just ask that you sign and return the document back, and we can have the implement and the implementation sorted for you. The switch does take about a week or two to complete. Most ETFs are sold very quickly and rebalanced out. It's just that the band the band along the managed fund can take a little bit longer, so it can take up to two weeks to kinda get that completely switched out. So just letting you know that. The only other things depending on how much you like to read, I've also got the financial services guide attached to the email, the product disclosure statements for you, and the appendices. And in the appendices, it also does have all the links for all the individual investment PDFs as well. So not everyone's that keen to read them, but you're welcome to open those up and have a bit of a look at the investments as well. And, again, if you do find you have any questions, you're welcome to come back and let me know. Okay? Easy. That is everything I just sorta needed to go through with you. Is there any questions or anything else that you might need from me at the moment or anything you wanted me to work on for you while you got me here or any major changes to your circumstances shortly? Or yeah. Yes. Yep. Yep. Mhmm. Mhmm. Yep. Yep. Mhmm. Yeah. Yeah. Absolutely. So what I would probably suggest you do just to make sure in your myGov account that you still have access to carry forward contributions that you're not exceeding the cap in any way, shape, or form. Essentially, with such large large sums of money, one of the things I like to sort of point out is if you put a 100 or your 50 k into super or a 150 k in all at one time, that money is invested all at one time. So, realistically, to take advantage of market reactions, dollar cost averaging tends to work out much better because you buy in regular amounts of money, and it's you're not sort of trying to time the market. You're just buying in. And when the market is down, you buy more investment options at a discounted rate, whereas when the market is higher, the same amount of money goes in and buys less units of the investments there. So, realistically, drip feeding the money in over a longer period of time is generally the best way to do that. If you are wanting to claim a tax deduction on the money, doing it nonconcessioning to straight out of the bank account, and then at the end of the financial year, we claim a notice of intent for you the way we have previously. We'll allow you to then claim that money back as a tax deduction. Alternatively, depending on if you don't wanna claim it as a tax deduction, you just want the money to be a 100% invested, you can just leave it in there as a nonconcessional contribution. And nonconcessional caps are much higher. So at the moment, we're sitting at a 130,000 for this financial year in nonconcessional. The down yeah. The downside is that you can't claim well, if you don't claim a notice of intent, that money doesn't get it doesn't provide a tax deduction for you. The benefit to non concessional contributions is that a 100% of that money is invested into the market. So there's no taxes deducted out of the funds once they hit the super fund, and it's all invested long term. And it does provide a boost to your tax free benefit within your super as well. So I'm happy to provide more personal financial advice for you if you would like to. I'll just need to maybe have another conversation with you, double check your catch up contributions as well, and then I could always do another advice document for you recommending how that money gets put in. Or if you're comfortable just with the information today and you know how you would like to have that put into your super, you're welcome to do so. But I would definitely make sure that you do both both of you check your your myGov to look at your carry forward concessional contributions for the past couple of years there as well to make sure you're not exceeding the caps in any way. And the other thing to consider is super balances do need to be under 500,000 as at the June 30 last financial year to be able to utilize the cap the carry forward contribution caps as well. So your balance still hits that threshold, which is absolutely fine, but just making sure your wife does as well. But you're welcome to email me any additional questions or ask me anything extra that you might need. And if you would just like a more, you know, personalized advice, like an advice document on how best to put that money in and to make it work for you, I'm more than happy to come back and have another conversation, reassess your goals there, and provide a new advice document outlining what you would like to see there as well. Yeah. Yeah. Beautiful. Yeah. Beautiful. Yeah. That's okay. Oh, good. Is no worries at all. That's everything I needed to go through. Do you have any additional questions or anything else that you might need from me currently, or that should be everything? That's everything. Beautiful. Was it if there are any additional questions or anything else for me, please don't have a hesitate to let me know. In the meantime, take some time to read you the document there. And, yeah, thank you so much for allowing me to put this together for you. I hope you have a good day. Thanks, Ian. I'll talk to you soon. Thanks. See you later. 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Ian. Hi, Ian. It's Dana from Oakview Financial again. Is now a better time there for you? Yeah.\n\nYou're you're absolutely fine. Yeah. I can hear you perfectly. Can you hear me okay? Fantastic.\n\nIan, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there for you. So just to confirm your full name, your date of birth, and address that you have on file?\n\nBeautiful. Thank you so much for that. And how's your week been so far? Understandable. Hopefully, you have a good relaxing weekend ahead there.\n\nFantastic. Oh, that'll be really nice. Ian, I've got the I sent the advice document through to you there. Have you been able to jump into your emails and pull that one up at all? Oh, that's okay.\n\nAre you able to access your emails? If you can't, that is fine. I'm able to run you through the recommendations and let you have a look at it later. What's easier for you? Yeah.\n\nYou're fine. It should come through from OdooSign. Yep. So the email I have here for you sorry. It should be at lab_mouse@hotmail.com.\n\nDouble check your junk mail. It might also take a little bit of time. They normally come through pretty pretty quickly, but you just never know with technology. You just never know. I'm just double I've had that happen a few times.\n\nI'm not sure how that that occurs. But, yeah, I could always resend it if you like to see if it comes through on the PC while you're sitting there. That'll be okay. That's alright. Excellent.\n\nSo when you can see the document there, there is that button to sign in order to to press to sign to move forward. I will never ask you to sign anything you haven't read. It's just so you can review the document there, and you'll be able to go back and review that after the call there as well. Okay? Perfect.\n\nSo on the front page there, it's noted down that the statement of advice has been prepared for yourself as of the thirtieth December September twenty twenty six. We date the document for the date that we are presenting it to you because all of our advice is valid for sixty days after the presentation date or the date on the document. So it just gives you time to review it to make your decisions as well. Okay? Yep.\n\nAt the bottom of that, it has been prepared by myself and my lovely team here at Oakview Financial, and it's got my license registration number as a licensed financial adviser there for you as well. Okay? Moving forward throughout the document, we have the best interest, Judy. Just letting you know that any advice we do provide is meant to be essentially looking after your goals and working towards your long term goals. So we do what we do.\n\nWe go to the point of doing reviews, looking at your goals, and then providing advice to help you achieve those goals down the track there. Then you've got your table of contents, and we, after that, have essentially the scoping in and out. These are areas that we are and or are not looking at advice for you today. Essentially, this advice document has been limited to superannuation. One of your goals was that you are looking at wanting to build your super and achieve the best possible returns overall, hoping to have some active management within your portfolio, which is the expected to deliver net benefits after fees and aiming to, be able to access your super as early as possible, which at the moment is about 60.\n\nDoes that still feel appropriate to your goals? Would there be any changes since we last caught up? Yeah. Beautiful. I've also considered the estate planning side of things.\n\nSo we talked about sending out your beneficiary nominations, and my team has sent those out. Have you received those as of yet? If you haven't, I can have them resent. Yep. That's absolutely that's absolutely fine.\n\nI'll keep sort of making it mentioned to you to make sure that they are updated and correct for you. If you have any problems or questions, please don't ever hesitate to give me a call. But I've just scoped in the estate planning things to make sure here that your beneficiaries are set up as per your wishes, just making sure that your super is directed to Candice in the event that anything occurs. Okay? Beautiful.\n\nAreas that we are not looking at advice are on the next page down. So areas of personal shares, you do have personal investments outside of super. You are just looking after those at the moment. If you did need any additional support to drive down the track, we can always come back and look at that for you. We've also scoped out anything regarding the business.\n\nSo you're looking at opening or starting a mobile remediation business down the track, building that alongside your current employment and then transitioning over to that full time in the future. We're not providing additional advice at the moment, but how is that going for you? Progress? No. Okay.\n\nYeah. Yeah. Yep. No. I understand.\n\nAbsolutely. Your life is very full and busy, so this is adding one more busy thing into it for you. Yeah. You've also got homeownership. So potential of looking at owning a home in the future that is scoped out for the time being as well and personal insurances.\n\nSo you don't have life, safety, income protection, or trauma cover. You are happy with the way not having those currently, but if down the track you wanted to revisit that, wanted to look at getting those types of insurance, you're welcome to let me know, and we can have that further conversation there. Okay? And then also scopes out anything to do with the personal travel and the cash flow side around that. You're wanting to take a trip to The US in 2032, and you are working towards that goal currently.\n\nSo advice for us would be around cash flow and budgeting and saving and things like that. We're scoping that out for the time being, but can assist you in that area down the track if you would like it. Okay? Excellent. The next couple of pages outline the about you section to the information that we had on the previous fact line.\n\nWe've also got your assets and liabilities there. What I would like to maybe do, if possible, is get you to scroll down to page number 14 where I'll send to take you through the recommendations. Beautiful. So with this one here, after we spoke in your annual review, I went back and reviewed the portfolio as well as the super platform to make sure everything was working well for you. I do review the platform as well to see if there's anything better or any other way of reducing fees and of making sure your super is working harder for you, I am recommending that you do retain the hub 24 platform.\n\nThere are other cheaper platforms out there. However, one of the things I do like to take into consideration is the capital gains consequences. So if we had of looked at recommending a full sell down of your portfolio and moving you to a new platform, you would have been cementing capital gains of $5,225.31. That is a very large chunk of money, and it is harder to once you roll that to another platform, start to make that back. It take it takes time.\n\nSo one of the things I wanted to look at doing was altering your portfolio to keep things working towards your goals, but minimizing the tax consequences as much as possible for your super fund. Okay? So recommending you do retain the hub 24 platform, also keeping your contributions going in there as they are, but we are gonna look at altering the portfolio for you. If I can get you just to skip a skip a couple of pages there for me and go down to page number 21, I'll take you through the changes to be made there to your portfolio to make it easier. Beautiful.\n\nThis essentially shows that your current super fund there with your current and current investments with the way they are currently set in the fund. The first column has the individual investments, the APIR code on the next one, your current investment weighting and the current balance within each of those funds. The next column is the one I like to sort of focus on. This is where we're gonna be buying and selling, and the last two columns show the target. So once we've made the changes, how much of your portfolio would be in each of these investments and the target balance to be held there as well for you.\n\nOkay? Yeah. So, essentially, having a look at the investments and looking at some of the ones that have been underperforming this year and looking at ways to update your portfolio so that we can look to make the investment cheaper as much as possible, but also make sure they are performing really well as well. You're definitely in one of the older portfolios. So, essentially, changes I wanna make to your portfolio here.\n\nWe're gonna keep your physical gold, but you're a little bit underweighted currently. So we do wanna buy a little bit more of that, bring you up to 8% weighting then. Physical silver has been good over the past, but it is underperforming a little bit at the moment. So we're just gonna remove that from your portfolio wholly, cement the gains that it has made, and bring you down to zero within the physical silver space. The Bannalong Australian Equities, this was an actively managed portion of your super fund.\n\nThis has been underperforming. The investment itself has had some issues within their fund and the investments that they're investing in, And, therefore, it is underperforming and holding your super back a little bit, so I am removing that completely from your super fund there as well. Okay? The Vanguard diversified index fund, that one there, again, removing wholly. It is underperforming a little bit.\n\nIt is a great low cost fund to have, but we are looking at, building in other areas. So it has done well over the past. Right now, it's not doing as well, and it's had a little bit of an issue. So we'd like to remove it as underperforming and distribute the funds into other areas that we see growth coming from. We've got the cybersecurity in there.\n\nSo the hack, that one has done really well. This year has been a little bit up and down with the markets. However, it is still a really good place to be invested. Essentially, this is giving you exposure to global cybersecurity. It's also giving you exposure to tech and a little bit of AI as well.\n\nSo we do see really good space in the market there, and the economists that we've been talking to are still wanting to keep that in place. They are sort of saying that this is an area of definite growth down the track. So we'll keep that in there and just keep watching the space and see what it's doing. But we are just rebalancing you a little bit. So we wanna hold 5% of this investment.\n\nYou've currently got 5.80%. So we're just gonna sell a little bit off and rebalance you back there as well. Okay? Excellent. You've got the battery and lithium tech in there.\n\nThis year has had a lot of ups and downs. We are looking to remove that completely from the portfolio. Essentially, this this particular year has had a lot of ups and downs that it has been performing quite nicely, but there are other ways to sort of hold a little bit of tech, and that's part of having the cybersecurity investment there for you as well. Okay? You've also got the e t the ETSS Morningstar global tech investment.\n\nAgain, having had called a little bit of tech, but also holding some of the other investments also gives you exposure to tech companies. So we are just looking to remove this investment completely from the portfolio for you as well. You've also got in there the iShares Europe. That one is going to be solely removed as well. We're still keeping European exposure, but we have got another way to hold it.\n\nWe've also got the S and P 500. Now this is essentially giving you access and exposure to the top 500 companies on The US. It can hold anywhere from 500 to 520 companies, and it is tracking the industry. So you are always tracking the top 500 companies. So we wanna hold about 20% of this investment.\n\nIt is still good. Has been a lot of ups and downs, but, realistically, you do get really good growth from The US market over the longer term. So we are just gonna rebalance you back slightly from 24% to 20% there. Okay? We've got the iShares Asia.\n\nThis one hasn't really been doing what we wanted it to, so we are looking to remove that completely from the portfolio. Asia has been a little bit up and down. We still can see growth coming, but we'll just sort of monitor and see whether it's worth move moving back into the portfolio down the track. But for now, completely moving that from the portfolio for you. And then the Vanguard Australian fixed interest, this is defensive in nature.\n\nWe do wanna keep fixed interest investments within there to keep that sort of growth allocation for you. However, this investment has been underperforming, so we don't wanna keep it in there anymore and wanna remove that and reinvest your fixed interest in other ways. Okay? So what we're gonna do to buy in, and you'll see, we've removed quite a lot from the portfolio and rebalanced some areas. Underneath that, we have got the beta shares quality ETF.\n\nSo India has been a little bit up and down, but, realistically, this investment gives Australian investors a target exposure to 30 high performing Indian companies, and they're selected for strong financial health. So it is a good place to be. They are still seeing growth within the Indian market, and we'll just keep watching that. This is more of an a somatic ETF, so it is tracking a certain yeah. A a theme, essentially, with the Indian side of things.\n\nWe'll keep monitoring that moving forward with you. If we find it's not performing the way we hope it does, then we'll definitely move it out of your portfolio for you. But, economists are predicting good things to come out of India, and it is still a good place to start investing at the moment. Okay? Underneath that, we've got global health care.\n\nThis is giving you exposure to global health care. So across the entire globe, one of the really important things with a portfolio is diversification, and this helps to give you diversification by investing across the globe there within the health care space. This is not only looking at health care services, but it's also looking at the health care tech sector as well. So there's a lot of AI boom coming up in the health side of things, and this also looks to invest you in that area a little bit as well. Underneath that, we're keeping your Australian exposure.\n\nSo, essentially, we are removing the bet along Australian equities because it has been underperforming, but we still wanna have you invested in the Australian market there. So this is good. We're investing you within the Raffy two hundred and the BetaShares Australian two hundred. Between these two investments, they are giving you exposure to essentially the top 200 to 400 different companies. They do invest in different things.\n\nSome of these do cross over a little bit, but we're just holding 1510%. So it does give you some of the same sort of investments like a lot of banking. So they both technically hold BHP, bits of ANZ, Westpac, Woodside, National Australia Bank, and Woolworths, but they also have some small differences within them as well when you look at the lower side of things. So between that, it's giving you access and exposure to the top, technically, two to 400 companies on the Australian market. Both of these have seen really good growth, and we do still wanna hold that Australian exposure to replace that Bannalong Australian equities aspect as well.\n\nOkay? Excellent. The next one in there and the one thing I sort of wanted to keep with you that we talked about was making sure you still had a little bit of an active management component within your portfolio because that's what Benelon was meant to bring. So I've looked at holding the having some active management within your portfolio, but trying to make it as low cost as possible. So that's what this next investment is.\n\nIt's a JPMorgan Global Research Enhanced Equity Fund. This is essentially giving you a it's part passive, part active. It's only a small percent active roundabouts, so the 10 to 15% active management. The rest of it is essentially passive. It's a low cost fund, and they certainly find areas where there are fundamental insights, where they are able to build and add additional investments within their portfolio there, and it utilizes JPMorgan's research team to do that.\n\nSo it's about having a little bit of active management in there to take on a little bit more risk and get, you know, greater potential returns, but also making sure we're diversifying. This is also global, so it is looking at the global, you know, the world over and also making sure essentially that, you know, you are low cost as much as possible. One of the things I wanted to look at was trying to reduce fees within your portfolio because your older portfolio was costing a little bit. So being able to reduce fees for you means that more money stays within your portfolio working harder for you. Does that make sense?\n\nAbsolutely. Underneath that on the next page there, the last two that didn't quite fit, you've got the iShares Yield Plus and also the iShares Core composite bond. So these are essentially giving you access and exposure to defensive investments. Within that growth environment, we wanna see about 20% invested in defensive investments there. So this is essentially giving you access exposure to core composite bonds, which are great income producing and high yield shares, which, again, are really good for income production.\n\nWe wanna see income produced out of these investments. That way, the funds get paid into your cash account and reinvested for compounding, and that over longer term can support additional growth on top of, yeah, the the the growth side of things in your portfolio. I like to see a combination of growth as well as income to see that compounding work for you in your portfolio there. That is essentially an easy breakdown of each of those investments. Is there any questions or anything you wanted to delve into a little bit deeper?\n\nMhmm. Yeah. Yeah. So with that, you're looking at page 23 at the moment where you've got the proposed asset allocation there. And the first column and second column essentially show where our our our risk portfolio should sit, essentially, what we're aiming for with regard to each of the existing and proposed investments.\n\nWith your current, you currently have about 21.58% invested in Australian shares, 51.22 in Australia as a international equities. Property, nothing currently, and 11.80 in alternative growth assets. It essentially gives you 84.60% growth. Within cash, about 3.10%, 12.30% within fixed interest, and nothing with defensive alternative status. So current defensive asset allocation is 15.40%.\n\nWith the newer portfolio, we see the growth asset allocation dropped to about 80.98%, so a little bit more closer to the growth risk profile asset allocation there, and then 19 point 03%. So bringing up the defensive asset allocation there, it's keeping you within that 80 sort of 20 split, but also making sure to increase the defensive component just slightly for income production and also to overall lower the risk portfolio just a little bit or the risk side of things a little bit for you. Yeah. Easy. If you scroll back up to page 19 for me, I can show you the cost size of things in the projection table there as well.\n\nBeautiful. So the first column there outlines your current balance. It's got the current investment fees, admin fees, the ongoing service fee, the net contributions going in there, and, essentially, underneath there, the growth portfolio with the current five year rolling average. Hasn't really been performing the way we wanted it to, so moving things out and also the portfolio is really good to do. As I kinda mentioned before, one of the things I look at is the CGT consequences because just like you, your super fund does a tax return.\n\nAnd when we do switch or alter investments, your super fund has to account for capital gains. With making the switch that we've just gone through, the estimated capital gains is $647. So instead of having a $5,000 CDT consequence, I've been able to reduce it as much as possible to 647 by offsetting as much of the losses as possible against the gains for being able to switch your portfolio, which is a positive thing. That essentially means that after the switch and after the CGT, the balance at the top there, the $3.61 is how much is expected to be within your super fund after the switch is being completed. Okay?\n\nUnderneath that, you've got your investment fees and also the admin fees. There's no change to admin fees because we're retaining a platform. However, investment fees do drop significantly. So we're saving about $1,301 in investment fees, which is great. That essentially means there's more money that stays invested in your super compounding harder for you.\n\nWe also can expect the ongoing service fee for our services to drop and save you about $261 a year there as well, which is a positive thing. Yeah. Contributions continue to go in at the same rate. You've got no insurance premiums coming out. However, keeping you in that growth asset allocation, the newer portfolio has averaged 10.18% on a yearly basis.\n\nIf it can do what it has done over the past sort of five years, then we can sort of see where that's projected to put you over the next five to ten years, which does put you in a much better position, essentially. Yeah. Do you have any questions about that that table at all? Yes. Easy.\n\nEssentially, the only other side of things I wanted to go through was just with regard to the beneficiary side of things. That's down on page number 24. So just making sure your beneficiary nominations are completed, nominating a 100% of Candice in the event that anything does happen. If you do need any assistance, please let us know. We're more than happy to help you to have that prefilled out.\n\nJust making sure that everything is dotted and sorted. That way, if in the event that anything was to happen, the claim would be much easier on her just to cover all your bases, essentially. I also do make a recommendation that you do speak to a solicitor and make sure a will and power of attorneys are definitely drawn up. You can also do them through the local trustee if you need it, which can be a little bit cheaper. And you can also get a a will kit from the post office to make it cheaper again.\n\nJust making sure they are filled out as per the instructions to make sure they are valid is the main main concern with those. Okay. Excellent. With the advice piece, this is all provided as part of our ongoing services to you, So there is no implementation fees involved. You just pay the ongoing service fee, which we estimate to be 5,800 for the year there.\n\nWe'll make sure we do some reviews. Once you've got some time to go back and have a read to the document, because I know it can be a lot when I'm going through it with you. So you're welcome to take some time. And it's early morning there. It's only 07:30, so I hope you've had your coffee at least.\n\nOh, you're good. I I understand that one. Essentially, with this one here, you're welcome to take it back. Have a read the document. If you do find you have any additional questions, please do let me know.\n\nIf you do find that there are any that you're happy to go ahead with the recommendations, we just ask that you sign and return the document back, and we can have the implement and the implementation sorted for you. The switch does take about a week or two to complete. Most ETFs are sold very quickly and rebalanced out. It's just that the band the band along the managed fund can take a little bit longer, so it can take up to two weeks to kinda get that completely switched out. So just letting you know that.\n\nThe only other things depending on how much you like to read, I've also got the financial services guide attached to the email, the product disclosure statements for you, and the appendices. And in the appendices, it also does have all the links for all the individual investment PDFs as well. So not everyone's that keen to read them, but you're welcome to open those up and have a bit of a look at the investments as well. And, again, if you do find you have any questions, you're welcome to come back and let me know. Okay?\n\nEasy. That is everything I just sorta needed to go through with you. Is there any questions or anything else that you might need from me at the moment or anything you wanted me to work on for you while you got me here or any major changes to your circumstances shortly? Or yeah. Yes.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nYep. Mhmm. Yeah. Yeah. Absolutely.\n\nSo what I would probably suggest you do just to make sure in your myGov account that you still have access to carry forward contributions that you're not exceeding the cap in any way, shape, or form. Essentially, with such large large sums of money, one of the things I like to sort of point out is if you put a 100 or your 50 k into super or a 150 k in all at one time, that money is invested all at one time. So, realistically, to take advantage of market reactions, dollar cost averaging tends to work out much better because you buy in regular amounts of money, and it's you're not sort of trying to time the market. You're just buying in. And when the market is down, you buy more investment options at a discounted rate, whereas when the market is higher, the same amount of money goes in and buys less units of the investments there.\n\nSo, realistically, drip feeding the money in over a longer period of time is generally the best way to do that. If you are wanting to claim a tax deduction on the money, doing it nonconcessioning to straight out of the bank account, and then at the end of the financial year, we claim a notice of intent for you the way we have previously. We'll allow you to then claim that money back as a tax deduction. Alternatively, depending on if you don't wanna claim it as a tax deduction, you just want the money to be a 100% invested, you can just leave it in there as a nonconcessional contribution. And nonconcessional caps are much higher.\n\nSo at the moment, we're sitting at a 130,000 for this financial year in nonconcessional. The down yeah. The downside is that you can't claim well, if you don't claim a notice of intent, that money doesn't get it doesn't provide a tax deduction for you. The benefit to non concessional contributions is that a 100% of that money is invested into the market. So there's no taxes deducted out of the funds once they hit the super fund, and it's all invested long term.\n\nAnd it does provide a boost to your tax free benefit within your super as well. So I'm happy to provide more personal financial advice for you if you would like to. I'll just need to maybe have another conversation with you, double check your catch up contributions as well, and then I could always do another advice document for you recommending how that money gets put in. Or if you're comfortable just with the information today and you know how you would like to have that put into your super, you're welcome to do so. But I would definitely make sure that you do both both of you check your your myGov to look at your carry forward concessional contributions for the past couple of years there as well to make sure you're not exceeding the caps in any way.\n\nAnd the other thing to consider is super balances do need to be under 500,000 as at the June 30 last financial year to be able to utilize the cap the carry forward contribution caps as well. So your balance still hits that threshold, which is absolutely fine, but just making sure your wife does as well. But you're welcome to email me any additional questions or ask me anything extra that you might need. And if you would just like a more, you know, personalized advice, like an advice document on how best to put that money in and to make it work for you, I'm more than happy to come back and have another conversation, reassess your goals there, and provide a new advice document outlining what you would like to see there as well. Yeah.\n\nYeah. Beautiful. Yeah. Beautiful. Yeah.\n\nThat's okay. Oh, good. Is no worries at all. That's everything I needed to go through. Do you have any additional questions or anything else that you might need from me currently, or that should be everything?\n\nThat's everything. Beautiful. Was it if there are any additional questions or anything else for me, please don't have a hesitate to let me know. In the meantime, take some time to read you the document there. And, yeah, thank you so much for allowing me to put this together for you.\n\nI hope you have a good day. Thanks, Ian. I'll talk to you soon. Thanks. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Ian.","start":5.3599997,"end":6.1,"sentiment":"neutral","sentiment_score":0.05850519426167011},{"text":"Hi, Ian.","start":6.48,"end":6.96,"sentiment":"neutral","sentiment_score":0.11480048671364784},{"text":"It's Dana from Oakview Financial again.","start":6.96,"end":8.72,"sentiment":"neutral","sentiment_score":0.17101330061753592},{"text":"Is now a better time there for you?","start":8.72,"end":10.66,"sentiment":"neutral","sentiment_score":0.22909550555050373},{"text":"Yeah.","start":14.639999,"end":14.955,"sentiment":"neutral","sentiment_score":-0.0004558493383228779}],"sentiment":"neutral","sentiment_score":0.16868417688008203,"num_words":19,"start":5.3599997,"end":14.955},{"sentences":[{"text":"You're you're absolutely fine.","start":15.515,"end":20.255,"sentiment":"neutral","sentiment_score":0.08317386358976364},{"text":"Yeah.","start":40.865,"end":41.105,"sentiment":"neutral","sentiment_score":0.08514852821826935},{"text":"I can hear you perfectly.","start":41.105,"end":42.325,"sentiment":"neutral","sentiment_score":0.11090313345193863},{"text":"Can you hear me okay?","start":42.385,"end":43.525,"sentiment":"neutral","sentiment_score":0.03469414822757244},{"text":"Fantastic.","start":46.785,"end":47.285,"sentiment":"positive","sentiment_score":0.668286919593811}],"sentiment":"neutral","sentiment_score":0.11338233191054314,"num_words":16,"start":15.515,"end":47.285},{"sentences":[{"text":"Ian, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":48.305,"end":52.785,"sentiment":"neutral","sentiment_score":0.30493520403450186},{"text":"Are you happy for me to proceed with that?","start":52.785,"end":54.84,"sentiment":"neutral","sentiment_score":0.306492590241962},{"text":"Fantastic.","start":57.08,"end":57.58,"sentiment":"positive","sentiment_score":0.4125179946422577},{"text":"And just to do a quick security check there for you.","start":57.72,"end":59.72,"sentiment":"neutral","sentiment_score":0.20091327753933994},{"text":"So just to confirm your full name, your date of birth, and address that you have on file?","start":59.72,"end":63.5,"sentiment":"neutral","sentiment_score":0.13606645911931992}],"sentiment":"neutral","sentiment_score":0.23834046086326974,"num_words":61,"start":48.305,"end":63.5},{"sentences":[{"text":"Beautiful.","start":71.895004,"end":72.395004,"sentiment":"positive","sentiment_score":0.5380815267562866},{"text":"Thank you so much for that.","start":72.935005,"end":73.975006,"sentiment":"positive","sentiment_score":0.6423702041308085},{"text":"And how's your week been so far?","start":73.975006,"end":75.755005,"sentiment":"neutral","sentiment_score":0.2838359411273684},{"text":"Understandable.","start":79.96,"end":80.46,"sentiment":"positive","sentiment_score":0.34688788652420044},{"text":"Hopefully, you have a good relaxing weekend ahead there.","start":80.6,"end":83.579994,"sentiment":"positive","sentiment_score":0.5177648994657729}],"sentiment":"positive","sentiment_score":0.47441359671453637,"num_words":24,"start":71.895004,"end":83.579994},{"sentences":[{"text":"Fantastic.","start":87.0,"end":87.5,"sentiment":"positive","sentiment_score":0.5482436418533325},{"text":"Oh, that'll be really nice.","start":90.439995,"end":91.975,"sentiment":"positive","sentiment_score":0.47960941195487977},{"text":"Ian, I've got the I sent the advice document through to you there.","start":91.975,"end":95.41499,"sentiment":"neutral","sentiment_score":0.11719426340781726},{"text":"Have you been able to jump into your emails and pull that one up at all?","start":95.41499,"end":98.795,"sentiment":"neutral","sentiment_score":0.0764880501665175},{"text":"Oh, that's okay.","start":101.255,"end":102.295,"sentiment":"neutral","sentiment_score":0.002926614135503769}],"sentiment":"neutral","sentiment_score":0.1500632834473723,"num_words":38,"start":87.0,"end":102.295},{"sentences":[{"text":"Are you able to access your emails?","start":102.295,"end":103.975,"sentiment":"neutral","sentiment_score":0.0014909636229276657},{"text":"If you can't, that is fine.","start":103.975,"end":105.18,"sentiment":"neutral","sentiment_score":0.018057850655168295},{"text":"I'm able to run you through the recommendations and let you have a look at it later.","start":105.18,"end":108.46,"sentiment":"neutral","sentiment_score":0.13354989623322205},{"text":"What's easier for you?","start":108.46,"end":109.840004,"sentiment":"neutral","sentiment_score":0.07578527461737394},{"text":"Yeah.","start":113.1,"end":113.6,"sentiment":"neutral","sentiment_score":0.02276986837387085}],"sentiment":"neutral","sentiment_score":0.07757265863141843,"num_words":35,"start":102.295,"end":113.6},{"sentences":[{"text":"You're fine.","start":114.380005,"end":115.28,"sentiment":"neutral","sentiment_score":0.05727315694093704},{"text":"It should come through from OdooSign.","start":151.81499,"end":153.275,"sentiment":"neutral","sentiment_score":0.055130320911606155},{"text":"Yep.","start":158.45499,"end":158.91,"sentiment":"neutral","sentiment_score":0.005183498840779066},{"text":"So the email I have here for you sorry.","start":158.99,"end":161.89,"sentiment":"neutral","sentiment_score":-0.009646908897492621},{"text":"It should be at lab_mouse@hotmail.com.","start":162.51001,"end":165.81,"sentiment":"neutral","sentiment_score":-0.0014516835100948807}],"sentiment":"neutral","sentiment_score":0.015497006111494873,"num_words":23,"start":114.380005,"end":165.81},{"sentences":[{"text":"Double check your junk mail.","start":170.51001,"end":172.21,"sentiment":"neutral","sentiment_score":-0.0568876251578331},{"text":"It might also take a little bit of time.","start":172.985,"end":175.065,"sentiment":"neutral","sentiment_score":-0.04220472565955586},{"text":"They normally come through pretty pretty quickly, but you just never know with technology.","start":175.065,"end":179.88501,"sentiment":"neutral","sentiment_score":-0.04106889013200998},{"text":"You just never know.","start":181.065,"end":182.365,"sentiment":"neutral","sentiment_score":-0.13601614348590374},{"text":"I'm just double I've had that happen a few times.","start":183.465,"end":188.59001,"sentiment":"neutral","sentiment_score":-0.24965922832489013}],"sentiment":"neutral","sentiment_score":-0.1019024279944244,"num_words":42,"start":170.51001,"end":188.59001},{"sentences":[{"text":"I'm not sure how that that occurs.","start":188.59001,"end":190.69,"sentiment":"neutral","sentiment_score":-0.2520872524806431},{"text":"But, yeah, I could always resend it if you like to see if it comes through on the PC while you're sitting there.","start":191.55,"end":197.97,"sentiment":"neutral","sentiment_score":-0.05940067023038864},{"text":"That'll be okay.","start":199.87001,"end":200.85,"sentiment":"neutral","sentiment_score":0.08136135836442311},{"text":"That's alright.","start":201.82501,"end":202.725,"sentiment":"neutral","sentiment_score":0.1604357212781906},{"text":"Excellent.","start":215.47,"end":215.97,"sentiment":"positive","sentiment_score":0.5919963121414185}],"sentiment":"neutral","sentiment_score":-0.054829843135343656,"num_words":36,"start":188.59001,"end":215.97},{"sentences":[{"text":"So when you can see the document there, there is that button to sign in order to to press to sign to move forward.","start":216.11,"end":221.65001,"sentiment":"neutral","sentiment_score":0.17413513424495855},{"text":"I will never ask you to sign anything you haven't read.","start":221.79001,"end":223.79001,"sentiment":"neutral","sentiment_score":0.1320767876776782},{"text":"It's just so you can review the document there, and you'll be able to go back and review that after the call there as well.","start":223.79001,"end":229.015,"sentiment":"neutral","sentiment_score":0.23039055824279786},{"text":"Okay?","start":229.015,"end":229.515,"sentiment":"neutral","sentiment_score":0.11482907831668854},{"text":"Perfect.","start":231.255,"end":231.755,"sentiment":"positive","sentiment_score":0.4695262908935547}],"sentiment":"neutral","sentiment_score":0.19316463244538154,"num_words":62,"start":216.11,"end":231.755},{"sentences":[{"text":"So on the front page there, it's noted down that the statement of advice has been prepared for yourself as of the thirtieth December September twenty twenty six.","start":231.895,"end":239.975,"sentiment":"neutral","sentiment_score":0.16129692590662412},{"text":"We date the document for the date that we are presenting it to you because all of our advice is valid for sixty days after the presentation date or the date on the document.","start":239.975,"end":247.78,"sentiment":"neutral","sentiment_score":0.16759909141589613},{"text":"So it just gives you time to review it to make your decisions as well.","start":247.78,"end":251.06,"sentiment":"neutral","sentiment_score":0.2650603264570236},{"text":"Okay?","start":251.06,"end":251.56,"sentiment":"neutral","sentiment_score":0.09029696136713028},{"text":"Yep.","start":252.65999,"end":252.9,"sentiment":"neutral","sentiment_score":0.11227720975875854}],"sentiment":"neutral","sentiment_score":0.18219192533553402,"num_words":79,"start":231.895,"end":252.9},{"sentences":[{"text":"At the bottom of that, it has been prepared by myself and my lovely team here at Oakview Financial, and it's got my license registration number as a licensed financial adviser there for you as well.","start":252.9,"end":262.395,"sentiment":"neutral","sentiment_score":0.17423899782200655},{"text":"Okay?","start":262.395,"end":262.895,"sentiment":"neutral","sentiment_score":0.08275792002677917},{"text":"Moving forward throughout the document, we have the best interest, Judy.","start":264.47498,"end":267.275,"sentiment":"neutral","sentiment_score":0.28426001965999603},{"text":"Just letting you know that any advice we do provide is meant to be essentially looking after your goals and working towards your long term goals.","start":267.275,"end":274.41,"sentiment":"neutral","sentiment_score":0.23335657383386904},{"text":"So we do what we do.","start":274.65,"end":275.69,"sentiment":"neutral","sentiment_score":0.19543186326821646}],"sentiment":"neutral","sentiment_score":0.20902605196461083,"num_words":80,"start":252.9,"end":275.69},{"sentences":[{"text":"We go to the point of doing reviews, looking at your goals, and then providing advice to help you achieve those goals down the track there.","start":275.69,"end":282.99,"sentiment":"neutral","sentiment_score":0.22596372549350446},{"text":"Then you've got your table of contents, and we, after that, have essentially the scoping in and out.","start":284.49,"end":289.755,"sentiment":"neutral","sentiment_score":0.08140690190096696},{"text":"These are areas that we are and or are not looking at advice for you today.","start":289.835,"end":293.45502,"sentiment":"neutral","sentiment_score":-0.0006201420910656452},{"text":"Essentially, this advice document has been limited to superannuation.","start":293.67502,"end":296.575,"sentiment":"neutral","sentiment_score":-0.051925899745482534},{"text":"One of your goals was that you are looking at wanting to build your super and achieve the best possible returns overall, hoping to have some active management within your portfolio, which is the expected to deliver net benefits after fees and aiming to, be able to access your super as early as possible, which at the moment is about 60.","start":297.67502,"end":315.73502,"sentiment":"positive","sentiment_score":0.3350655685682766}],"sentiment":"neutral","sentiment_score":0.2100163492965154,"num_words":130,"start":275.69,"end":315.73502},{"sentences":[{"text":"Does that still feel appropriate to your goals?","start":315.73502,"end":317.73502,"sentiment":"neutral","sentiment_score":0.1909732036292553},{"text":"Would there be any changes since we last caught up?","start":317.73502,"end":320.23502,"sentiment":"neutral","sentiment_score":0.006862375885248184},{"text":"Yeah.","start":324.935,"end":325.335,"sentiment":"neutral","sentiment_score":0.28371191024780273},{"text":"Beautiful.","start":325.335,"end":325.835,"sentiment":"positive","sentiment_score":0.5580741167068481},{"text":"I've also considered the estate planning side of things.","start":326.295,"end":328.93,"sentiment":"neutral","sentiment_score":0.3200981203052733}],"sentiment":"neutral","sentiment_score":0.18341649991684947,"num_words":29,"start":315.73502,"end":328.93},{"sentences":[{"text":"So we talked about sending out your beneficiary nominations, and my team has sent those out.","start":328.93,"end":332.93,"sentiment":"neutral","sentiment_score":0.23217628989368677},{"text":"Have you received those as of yet?","start":332.93,"end":335.33,"sentiment":"neutral","sentiment_score":0.10667615809610911},{"text":"If you haven't, I can have them resent.","start":335.33,"end":337.19,"sentiment":"neutral","sentiment_score":0.05291107087396085},{"text":"Yep.","start":340.05,"end":340.55,"sentiment":"neutral","sentiment_score":0.08507644385099411},{"text":"That's absolutely that's absolutely fine.","start":344.10498,"end":347.065,"sentiment":"positive","sentiment_score":0.5497491955757141}],"sentiment":"neutral","sentiment_score":0.2086125603700812,"num_words":37,"start":328.93,"end":347.065},{"sentences":[{"text":"I'll keep sort of making it mentioned to you to make sure that they are updated and correct for you.","start":347.065,"end":351.305,"sentiment":"positive","sentiment_score":0.5062274158000946},{"text":"If you have any problems or questions, please don't ever hesitate to give me a call.","start":351.305,"end":354.99,"sentiment":"neutral","sentiment_score":0.06931690382771194},{"text":"But I've just scoped in the estate planning things to make sure here that your beneficiaries are set up as per your wishes, just making sure that your super is directed to Candice in the event that anything occurs.","start":355.15,"end":365.09,"sentiment":"neutral","sentiment_score":0.23642232479193273},{"text":"Okay?","start":365.22998,"end":365.72998,"sentiment":"neutral","sentiment_score":0.0811547189950943},{"text":"Beautiful.","start":367.06998,"end":367.56998,"sentiment":"neutral","sentiment_score":0.24438616633415225}],"sentiment":"neutral","sentiment_score":0.26986532895402476,"num_words":77,"start":347.065,"end":367.56998},{"sentences":[{"text":"Areas that we are not looking at advice are on the next page down.","start":368.485,"end":371.44498,"sentiment":"neutral","sentiment_score":-0.012926413677632809},{"text":"So areas of personal shares, you do have personal investments outside of super.","start":371.44498,"end":376.245,"sentiment":"neutral","sentiment_score":0.025859497487545013},{"text":"You are just looking after those at the moment.","start":376.245,"end":378.245,"sentiment":"neutral","sentiment_score":0.02908587000436253},{"text":"If you did need any additional support to drive down the track, we can always come back and look at that for you.","start":378.245,"end":383.28,"sentiment":"neutral","sentiment_score":0.08787999852843907},{"text":"We've also scoped out anything regarding the business.","start":384.0,"end":387.12,"sentiment":"neutral","sentiment_score":0.07388104358687997}],"sentiment":"neutral","sentiment_score":0.04521290777223324,"num_words":67,"start":368.485,"end":387.12},{"sentences":[{"text":"So you're looking at opening or starting a mobile remediation business down the track, building that alongside your current employment and then transitioning over to that full time in the future.","start":387.12,"end":396.82,"sentiment":"neutral","sentiment_score":0.12078257217522591},{"text":"We're not providing additional advice at the moment, but how is that going for you?","start":397.305,"end":401.565,"sentiment":"neutral","sentiment_score":-0.013482102503379187},{"text":"Progress?","start":408.345,"end":408.845,"sentiment":"neutral","sentiment_score":-0.07649214565753937},{"text":"No.","start":413.72,"end":414.22,"sentiment":"neutral","sentiment_score":-0.06814013421535492},{"text":"Okay.","start":417.63998,"end":418.13998,"sentiment":"neutral","sentiment_score":-0.015764404088258743}],"sentiment":"neutral","sentiment_score":0.0690128880800033,"num_words":49,"start":387.12,"end":418.13998},{"sentences":[{"text":"Yeah.","start":418.36,"end":418.86,"sentiment":"neutral","sentiment_score":-0.004678960889577866},{"text":"Yeah.","start":423.15997,"end":423.65997,"sentiment":"neutral","sentiment_score":0.014647847041487694},{"text":"Yep.","start":425.06497,"end":425.56497,"sentiment":"neutral","sentiment_score":0.005061462987214327},{"text":"No.","start":425.625,"end":425.94498,"sentiment":"neutral","sentiment_score":-0.2511723041534424},{"text":"I understand.","start":425.94498,"end":426.525,"sentiment":"neutral","sentiment_score":-0.243265762925148}],"sentiment":"neutral","sentiment_score":-0.12044558014410238,"num_words":6,"start":418.36,"end":426.525},{"sentences":[{"text":"Absolutely.","start":428.66498,"end":429.16498,"sentiment":"neutral","sentiment_score":-0.0059117525815963745},{"text":"Your life is very full and busy, so this is adding one more busy thing into it for you.","start":429.38498,"end":433.965,"sentiment":"neutral","sentiment_score":-0.09021597198749844},{"text":"Yeah.","start":435.54498,"end":436.04498,"sentiment":"neutral","sentiment_score":0.08590668439865112},{"text":"You've also got homeownership.","start":436.63,"end":437.93002,"sentiment":"neutral","sentiment_score":0.13372835516929626},{"text":"So potential of looking at owning a home in the future that is scoped out for the time being as well and personal insurances.","start":438.15002,"end":444.01,"sentiment":"neutral","sentiment_score":0.19729832808176676}],"sentiment":"neutral","sentiment_score":0.07420336242233004,"num_words":49,"start":428.66498,"end":444.01},{"sentences":[{"text":"So you don't have life, safety, income protection, or trauma cover.","start":444.07,"end":447.27002,"sentiment":"neutral","sentiment_score":-0.017869246446273544},{"text":"You are happy with the way not having those currently, but if down the track you wanted to revisit that, wanted to look at getting those types of insurance, you're welcome to let me know, and we can have that further conversation there.","start":447.27002,"end":457.135,"sentiment":"neutral","sentiment_score":0.24916568259860195},{"text":"Okay?","start":457.135,"end":457.635,"sentiment":"neutral","sentiment_score":0.07042935490608215},{"text":"And then also scopes out anything to do with the personal travel and the cash flow side around that.","start":458.255,"end":462.915,"sentiment":"neutral","sentiment_score":0.09966057519379415},{"text":"You're wanting to take a trip to The US in 2032, and you are working towards that goal currently.","start":463.21503,"end":468.91,"sentiment":"neutral","sentiment_score":0.21997400412434026}],"sentiment":"neutral","sentiment_score":0.17915106454603774,"num_words":93,"start":444.07,"end":468.91},{"sentences":[{"text":"So advice for us would be around cash flow and budgeting and saving and things like that.","start":469.05,"end":473.31,"sentiment":"neutral","sentiment_score":0.11325795510235954},{"text":"We're scoping that out for the time being, but can assist you in that area down the track if you would like it.","start":473.53,"end":479.63477,"sentiment":"neutral","sentiment_score":0.14244231452112613},{"text":"Okay?","start":479.63477,"end":479.9156,"sentiment":"neutral","sentiment_score":0.1873584091663361},{"text":"Excellent.","start":479.9156,"end":480.1964,"sentiment":"positive","sentiment_score":0.5536197423934937},{"text":"The next couple of pages outline the about you section to the information that we had on the previous fact line.","start":480.1964,"end":486.09348,"sentiment":"neutral","sentiment_score":0.15548151979843775}],"sentiment":"neutral","sentiment_score":0.14615315139766724,"num_words":63,"start":469.05,"end":486.09348},{"sentences":[{"text":"We've also got your assets and liabilities there.","start":486.09348,"end":488.34,"sentiment":"neutral","sentiment_score":0.07260506320744753},{"text":"What I would like to maybe do, if possible, is get you to scroll down to page number 14 where I'll send to take you through the recommendations.","start":489.06,"end":496.04,"sentiment":"neutral","sentiment_score":0.10687941765146595},{"text":"Beautiful.","start":499.46,"end":499.96,"sentiment":"positive","sentiment_score":0.47144192457199097},{"text":"So with this one here, after we spoke in your annual review, I went back and reviewed the portfolio as well as the super platform to make sure everything was working well for you.","start":500.95502,"end":508.795,"sentiment":"neutral","sentiment_score":0.22875512303674922},{"text":"I do review the platform as well to see if there's anything better or any other way of reducing fees and of making sure your super is working harder for you, I am recommending that you do retain the hub 24 platform.","start":508.795,"end":520.72003,"sentiment":"neutral","sentiment_score":0.1505399988520713}],"sentiment":"neutral","sentiment_score":0.16057752442043438,"num_words":113,"start":486.09348,"end":520.72003},{"sentences":[{"text":"There are other cheaper platforms out there.","start":521.5,"end":523.74,"sentiment":"neutral","sentiment_score":0.04669787362217903},{"text":"However, one of the things I do like to take into consideration is the capital gains consequences.","start":523.74,"end":528.8,"sentiment":"neutral","sentiment_score":-0.058377107057501286},{"text":"So if we had of looked at recommending a full sell down of your portfolio and moving you to a new platform, you would have been cementing capital gains of $5,225.31.","start":529.10004,"end":541.255,"sentiment":"neutral","sentiment_score":-0.018789110404829824},{"text":"That is a very large chunk of money, and it is harder to once you roll that to another platform, start to make that back.","start":541.475,"end":548.0,"sentiment":"negative","sentiment_score":-0.3427173674106598},{"text":"It take it takes time.","start":548.0,"end":549.38,"sentiment":"neutral","sentiment_score":-0.19638606309890747}],"sentiment":"neutral","sentiment_score":-0.12703356032862384,"num_words":85,"start":521.5,"end":549.38},{"sentences":[{"text":"So one of the things I wanted to look at doing was altering your portfolio to keep things working towards your goals, but minimizing the tax consequences as much as possible for your super fund.","start":549.51996,"end":558.645,"sentiment":"neutral","sentiment_score":0.1595808316554342},{"text":"Okay?","start":558.965,"end":559.465,"sentiment":"neutral","sentiment_score":0.12934225797653198},{"text":"So recommending you do retain the hub 24 platform, also keeping your contributions going in there as they are, but we are gonna look at altering the portfolio for you.","start":560.565,"end":570.42505,"sentiment":"neutral","sentiment_score":0.2073043546328942},{"text":"If I can get you just to skip a skip a couple of pages there for me and go down to page number 21, I'll take you through the changes to be made there to your portfolio to make it easier.","start":570.72504,"end":580.43,"sentiment":"neutral","sentiment_score":0.15507976838001392},{"text":"Beautiful.","start":583.37,"end":583.87,"sentiment":"positive","sentiment_score":0.6396260261535645}],"sentiment":"neutral","sentiment_score":0.17529350495034898,"num_words":108,"start":549.51996,"end":583.87},{"sentences":[{"text":"This essentially shows that your current super fund there with your current and current investments with the way they are currently set in the fund.","start":584.41,"end":591.625,"sentiment":"positive","sentiment_score":0.4013861870765686},{"text":"The first column has the individual investments, the APIR code on the next one, your current investment weighting and the current balance within each of those funds.","start":591.925,"end":600.66504,"sentiment":"neutral","sentiment_score":0.1709582366877132},{"text":"The next column is the one I like to sort of focus on.","start":601.14,"end":603.46,"sentiment":"neutral","sentiment_score":0.1646057401712124},{"text":"This is where we're gonna be buying and selling, and the last two columns show the target.","start":603.46,"end":607.62,"sentiment":"neutral","sentiment_score":0.1614187289686764},{"text":"So once we've made the changes, how much of your portfolio would be in each of these investments and the target balance to be held there as well for you.","start":607.62,"end":614.98004,"sentiment":"neutral","sentiment_score":0.15732950593034425}],"sentiment":"neutral","sentiment_score":0.21655718982219696,"num_words":112,"start":584.41,"end":614.98004},{"sentences":[{"text":"Okay?","start":614.98004,"end":615.48004,"sentiment":"neutral","sentiment_score":0.04908980429172516},{"text":"Yeah.","start":616.145,"end":616.645,"sentiment":"neutral","sentiment_score":0.03296520560979843},{"text":"So, essentially, having a look at the investments and looking at some of the ones that have been underperforming this year and looking at ways to update your portfolio so that we can look to make the investment cheaper as much as possible, but also make sure they are performing really well as well.","start":616.705,"end":630.87,"sentiment":"neutral","sentiment_score":0.018547930720227736},{"text":"You're definitely in one of the older portfolios.","start":630.95,"end":632.97,"sentiment":"negative","sentiment_score":-0.33571382239460945},{"text":"So, essentially, changes I wanna make to your portfolio here.","start":633.11,"end":636.25,"sentiment":"neutral","sentiment_score":0.030233676172792913}],"sentiment":"neutral","sentiment_score":-0.017563926332907098,"num_words":74,"start":614.98004,"end":636.25},{"sentences":[{"text":"We're gonna keep your physical gold, but you're a little bit underweighted currently.","start":636.39,"end":639.91,"sentiment":"neutral","sentiment_score":-0.009592294406432372},{"text":"So we do wanna buy a little bit more of that, bring you up to 8% weighting then.","start":639.91,"end":644.08997,"sentiment":"neutral","sentiment_score":0.08781709252960151},{"text":"Physical silver has been good over the past, but it is underperforming a little bit at the moment.","start":644.535,"end":648.77496,"sentiment":"neutral","sentiment_score":-0.3101869945724805},{"text":"So we're just gonna remove that from your portfolio wholly, cement the gains that it has made, and bring you down to zero within the physical silver space.","start":648.77496,"end":656.61,"sentiment":"neutral","sentiment_score":0.008285570490573133},{"text":"The Bannalong Australian Equities, this was an actively managed portion of your super fund.","start":658.13,"end":662.63,"sentiment":"neutral","sentiment_score":-0.002434643085247704}],"sentiment":"neutral","sentiment_score":-0.04318073729135014,"num_words":91,"start":636.39,"end":662.63},{"sentences":[{"text":"This has been underperforming.","start":662.76996,"end":663.82996,"sentiment":"negative","sentiment_score":-0.39233893156051636},{"text":"The investment itself has had some issues within their fund and the investments that they're investing in, And, therefore, it is underperforming and holding your super back a little bit, so I am removing that completely from your super fund there as well.","start":664.29,"end":677.325,"sentiment":"negative","sentiment_score":-0.38348133307556775},{"text":"Okay?","start":677.325,"end":677.825,"sentiment":"neutral","sentiment_score":-0.05894358456134796},{"text":"The Vanguard diversified index fund, that one there, again, removing wholly.","start":678.925,"end":683.005,"sentiment":"neutral","sentiment_score":-0.06419007683342154},{"text":"It is underperforming a little bit.","start":683.005,"end":684.37,"sentiment":"neutral","sentiment_score":-0.20318932582934698}],"sentiment":"neutral","sentiment_score":-0.30835728358763914,"num_words":65,"start":662.76996,"end":684.37},{"sentences":[{"text":"It is a great low cost fund to have, but we are looking at, building in other areas.","start":684.37,"end":689.75,"sentiment":"neutral","sentiment_score":0.1691897836410337},{"text":"So it has done well over the past.","start":689.81,"end":691.73,"sentiment":"neutral","sentiment_score":0.16025325004011393},{"text":"Right now, it's not doing as well, and it's had a little bit of an issue.","start":691.73,"end":695.56995,"sentiment":"neutral","sentiment_score":-0.20746739814057946},{"text":"So we'd like to remove it as underperforming and distribute the funds into other areas that we see growth coming from.","start":695.56995,"end":701.69495,"sentiment":"neutral","sentiment_score":-0.14291350277406828},{"text":"We've got the cybersecurity in there.","start":703.115,"end":705.035,"sentiment":"neutral","sentiment_score":0.03796332670996586}],"sentiment":"neutral","sentiment_score":-0.025586084962107132,"num_words":69,"start":684.37,"end":705.035},{"sentences":[{"text":"So the hack, that one has done really well.","start":705.035,"end":707.355,"sentiment":"neutral","sentiment_score":0.17641562720139822},{"text":"This year has been a little bit up and down with the markets.","start":707.355,"end":709.915,"sentiment":"neutral","sentiment_score":-0.024154006861723386},{"text":"However, it is still a really good place to be invested.","start":709.915,"end":712.57495,"sentiment":"positive","sentiment_score":0.37563035637140274},{"text":"Essentially, this is giving you exposure to global cybersecurity.","start":713.33,"end":716.23,"sentiment":"neutral","sentiment_score":0.259110011988216},{"text":"It's also giving you exposure to tech and a little bit of AI as well.","start":716.61,"end":720.69,"sentiment":"neutral","sentiment_score":0.1940250833829244}],"sentiment":"neutral","sentiment_score":0.18680769884795473,"num_words":57,"start":705.035,"end":720.69},{"sentences":[{"text":"So we do see really good space in the market there, and the economists that we've been talking to are still wanting to keep that in place.","start":720.69,"end":727.51,"sentiment":"neutral","sentiment_score":0.2641117655568653},{"text":"They are sort of saying that this is an area of definite growth down the track.","start":727.755,"end":731.275,"sentiment":"neutral","sentiment_score":0.1560721485875547},{"text":"So we'll keep that in there and just keep watching the space and see what it's doing.","start":731.275,"end":735.215,"sentiment":"neutral","sentiment_score":0.12169439871521558},{"text":"But we are just rebalancing you a little bit.","start":735.515,"end":737.675,"sentiment":"neutral","sentiment_score":0.018352497576011553},{"text":"So we wanna hold 5% of this investment.","start":737.675,"end":740.075,"sentiment":"neutral","sentiment_score":0.05025195796042681}],"sentiment":"neutral","sentiment_score":0.15927486970730417,"num_words":77,"start":720.69,"end":740.075},{"sentences":[{"text":"You've currently got 5.80%.","start":740.075,"end":742.48004,"sentiment":"neutral","sentiment_score":0.06225619092583656},{"text":"So we're just gonna sell a little bit off and rebalance you back there as well.","start":742.48004,"end":746.24005,"sentiment":"neutral","sentiment_score":0.00962663593236357},{"text":"Okay?","start":746.24005,"end":746.74005,"sentiment":"neutral","sentiment_score":0.0532463863492012},{"text":"Excellent.","start":747.60004,"end":748.08,"sentiment":"neutral","sentiment_score":0.26229456067085266},{"text":"You've got the battery and lithium tech in there.","start":748.08,"end":750.24005,"sentiment":"neutral","sentiment_score":0.08077674938572778}],"sentiment":"neutral","sentiment_score":0.04663169774557314,"num_words":31,"start":740.075,"end":750.24005},{"sentences":[{"text":"This year has had a lot of ups and downs.","start":750.24005,"end":752.88,"sentiment":"neutral","sentiment_score":-0.1016301728785038},{"text":"We are looking to remove that completely from the portfolio.","start":752.88,"end":755.62,"sentiment":"neutral","sentiment_score":-0.17081202417612076},{"text":"Essentially, this this particular year has had a lot of ups and downs that it has been performing quite nicely, but there are other ways to sort of hold a little bit of tech, and that's part of having the cybersecurity investment there for you as well.","start":756.725,"end":769.285,"sentiment":"neutral","sentiment_score":0.0887388813289556},{"text":"Okay?","start":769.285,"end":769.785,"sentiment":"neutral","sentiment_score":0.01620345003902912},{"text":"You've also got the e t the ETSS Morningstar global tech investment.","start":770.84,"end":775.24005,"sentiment":"neutral","sentiment_score":0.0902685367812713}],"sentiment":"neutral","sentiment_score":0.03182164179161191,"num_words":80,"start":750.24005,"end":775.24005},{"sentences":[{"text":"Again, having had called a little bit of tech, but also holding some of the other investments also gives you exposure to tech companies.","start":775.24005,"end":781.5,"sentiment":"neutral","sentiment_score":0.0012531063208977382},{"text":"So we are just looking to remove this investment completely from the portfolio for you as well.","start":781.56006,"end":786.565,"sentiment":"neutral","sentiment_score":-0.10720734309185953},{"text":"You've also got in there the iShares Europe.","start":787.265,"end":789.765,"sentiment":"neutral","sentiment_score":0.02228834619745612},{"text":"That one is going to be solely removed as well.","start":790.385,"end":792.945,"sentiment":"neutral","sentiment_score":0.005953079275786877},{"text":"We're still keeping European exposure, but we have got another way to hold it.","start":792.945,"end":797.04504,"sentiment":"neutral","sentiment_score":0.01533429923334292}],"sentiment":"neutral","sentiment_score":-0.018355240126791066,"num_words":73,"start":775.24005,"end":797.04504},{"sentences":[{"text":"We've also got the S and P 500.","start":797.36005,"end":799.60004,"sentiment":"neutral","sentiment_score":0.11014811042696238},{"text":"Now this is essentially giving you access and exposure to the top 500 companies on The US.","start":799.60004,"end":804.64,"sentiment":"neutral","sentiment_score":0.1584807963055723},{"text":"It can hold anywhere from 500 to 520 companies, and it is tracking the industry.","start":804.64,"end":809.68005,"sentiment":"neutral","sentiment_score":0.14628857870896658},{"text":"So you are always tracking the top 500 companies.","start":809.68005,"end":812.34,"sentiment":"neutral","sentiment_score":0.15928128361701965},{"text":"So we wanna hold about 20% of this investment.","start":813.035,"end":816.175,"sentiment":"neutral","sentiment_score":0.23326771623558468}],"sentiment":"neutral","sentiment_score":0.16039013965376492,"num_words":58,"start":797.36005,"end":816.175},{"sentences":[{"text":"It is still good.","start":816.71497,"end":817.595,"sentiment":"positive","sentiment_score":0.5229517742991447},{"text":"Has been a lot of ups and downs, but, realistically, you do get really good growth from The US market over the longer term.","start":817.595,"end":823.675,"sentiment":"neutral","sentiment_score":0.19527701133241257},{"text":"So we are just gonna rebalance you back slightly from 24% to 20% there.","start":823.675,"end":829.02,"sentiment":"neutral","sentiment_score":0.08654221067471164},{"text":"Okay?","start":829.08,"end":829.58,"sentiment":"neutral","sentiment_score":0.08463270962238312},{"text":"We've got the iShares Asia.","start":830.68,"end":832.28,"sentiment":"neutral","sentiment_score":0.00903333953465335}],"sentiment":"neutral","sentiment_score":0.16916345262325194,"num_words":48,"start":816.71497,"end":832.28},{"sentences":[{"text":"This one hasn't really been doing what we wanted it to, so we are looking to remove that completely from the portfolio.","start":832.28,"end":837.98004,"sentiment":"neutral","sentiment_score":-0.14239485257051207},{"text":"Asia has been a little bit up and down.","start":838.745,"end":840.765,"sentiment":"neutral","sentiment_score":-0.2480742401546902},{"text":"We still can see growth coming, but we'll just sort of monitor and see whether it's worth move moving back into the portfolio down the track.","start":840.825,"end":847.64496,"sentiment":"neutral","sentiment_score":-0.1019292578387719},{"text":"But for now, completely moving that from the portfolio for you.","start":847.865,"end":851.165,"sentiment":"neutral","sentiment_score":-0.052304176783019844},{"text":"And then the Vanguard Australian fixed interest, this is defensive in nature.","start":851.84,"end":856.02,"sentiment":"neutral","sentiment_score":0.04824319606026014}],"sentiment":"neutral","sentiment_score":-0.10014929017052054,"num_words":80,"start":832.28,"end":856.02},{"sentences":[{"text":"We do wanna keep fixed interest investments within there to keep that sort of growth allocation for you.","start":856.24005,"end":862.34,"sentiment":"neutral","sentiment_score":0.13212608049313226},{"text":"However, this investment has been underperforming, so we don't wanna keep it in there anymore and wanna remove that and reinvest your fixed interest in other ways.","start":862.72003,"end":871.08496,"sentiment":"neutral","sentiment_score":-0.09224427995030526},{"text":"Okay?","start":871.225,"end":871.725,"sentiment":"neutral","sentiment_score":0.0425725057721138},{"text":"So what we're gonna do to buy in, and you'll see, we've removed quite a lot from the portfolio and rebalanced some areas.","start":873.38495,"end":879.64496,"sentiment":"neutral","sentiment_score":0.03823852101745813},{"text":"Underneath that, we have got the beta shares quality ETF.","start":880.24005,"end":883.2,"sentiment":"neutral","sentiment_score":0.18710128217935562}],"sentiment":"neutral","sentiment_score":0.03393348355930817,"num_words":79,"start":856.24005,"end":883.2},{"sentences":[{"text":"So India has been a little bit up and down, but, realistically, this investment gives Australian investors a target exposure to 30 high performing Indian companies, and they're selected for strong financial health.","start":883.2,"end":893.84,"sentiment":"neutral","sentiment_score":0.3129724738272754},{"text":"So it is a good place to be.","start":893.84,"end":895.775,"sentiment":"positive","sentiment_score":0.7771564796566963},{"text":"They are still seeing growth within the Indian market, and we'll just keep watching that.","start":895.775,"end":899.715,"sentiment":"positive","sentiment_score":0.5256774167219798},{"text":"This is more of an a somatic ETF, so it is tracking a certain yeah.","start":899.935,"end":905.615,"sentiment":"neutral","sentiment_score":0.18535419901212055},{"text":"A a theme, essentially, with the Indian side of things.","start":905.615,"end":908.175,"sentiment":"neutral","sentiment_score":0.15433488339185714}],"sentiment":"positive","sentiment_score":0.35498971041337946,"num_words":81,"start":883.2,"end":908.175},{"sentences":[{"text":"We'll keep monitoring that moving forward with you.","start":908.175,"end":910.15,"sentiment":"neutral","sentiment_score":0.22506828606128693},{"text":"If we find it's not performing the way we hope it does, then we'll definitely move it out of your portfolio for you.","start":910.15,"end":915.75,"sentiment":"neutral","sentiment_score":-0.18953035123970197},{"text":"But, economists are predicting good things to come out of India, and it is still a good place to start investing at the moment.","start":915.75,"end":922.49005,"sentiment":"positive","sentiment_score":0.37871607346460223},{"text":"Okay?","start":922.55005,"end":923.05005,"sentiment":"neutral","sentiment_score":0.16208630800247192},{"text":"Underneath that, we've got global health care.","start":924.59503,"end":926.435,"sentiment":"neutral","sentiment_score":0.1231587188584464}],"sentiment":"neutral","sentiment_score":0.11991637004982858,"num_words":63,"start":908.175,"end":926.435},{"sentences":[{"text":"This is giving you exposure to global health care.","start":926.435,"end":929.495,"sentiment":"neutral","sentiment_score":0.15455098698536554},{"text":"So across the entire globe, one of the really important things with a portfolio is diversification, and this helps to give you diversification by investing across the globe there within the health care space.","start":929.715,"end":940.7,"sentiment":"neutral","sentiment_score":0.2529864341897123},{"text":"This is not only looking at health care services, but it's also looking at the health care tech sector as well.","start":940.7,"end":945.82,"sentiment":"neutral","sentiment_score":0.12582700380257197},{"text":"So there's a lot of AI boom coming up in the health side of things, and this also looks to invest you in that area a little bit as well.","start":945.82,"end":952.535,"sentiment":"neutral","sentiment_score":0.1997386356194814},{"text":"Underneath that, we're keeping your Australian exposure.","start":954.035,"end":956.435,"sentiment":"neutral","sentiment_score":0.021560845763555596}],"sentiment":"neutral","sentiment_score":0.18592029419902822,"num_words":101,"start":926.435,"end":956.435},{"sentences":[{"text":"So, essentially, we are removing the bet along Australian equities because it has been underperforming, but we still wanna have you invested in the Australian market there.","start":956.435,"end":964.8,"sentiment":"neutral","sentiment_score":0.008465891083081564},{"text":"So this is good.","start":965.12,"end":965.92,"sentiment":"positive","sentiment_score":0.4335959628224373},{"text":"We're investing you within the Raffy two hundred and the BetaShares Australian two hundred.","start":965.92,"end":970.42,"sentiment":"neutral","sentiment_score":0.22973191844565527},{"text":"Between these two investments, they are giving you exposure to essentially the top 200 to 400 different companies.","start":970.64,"end":977.2,"sentiment":"neutral","sentiment_score":0.2385784536600113},{"text":"They do invest in different things.","start":977.2,"end":978.72,"sentiment":"neutral","sentiment_score":0.2024665574232737}],"sentiment":"neutral","sentiment_score":0.1549046562201735,"num_words":69,"start":956.435,"end":978.72},{"sentences":[{"text":"Some of these do cross over a little bit, but we're just holding 1510%.","start":978.72,"end":983.015,"sentiment":"neutral","sentiment_score":0.1840266569384507},{"text":"So it does give you some of the same sort of investments like a lot of banking.","start":983.015,"end":987.195,"sentiment":"neutral","sentiment_score":0.2998117206289488},{"text":"So they both technically hold BHP, bits of ANZ, Westpac, Woodside, National Australia Bank, and Woolworths, but they also have some small differences within them as well when you look at the lower side of things.","start":987.255,"end":999.18,"sentiment":"neutral","sentiment_score":0.07039920664909813},{"text":"So between that, it's giving you access and exposure to the top, technically, two to 400 companies on the Australian market.","start":999.18,"end":1006.24,"sentiment":"neutral","sentiment_score":0.28516117873645963},{"text":"Both of these have seen really good growth, and we do still wanna hold that Australian exposure to replace that Bannalong Australian equities aspect as well.","start":1006.54,"end":1015.605,"sentiment":"positive","sentiment_score":0.4644469372355021}],"sentiment":"neutral","sentiment_score":0.24799604393672525,"num_words":114,"start":978.72,"end":1015.605},{"sentences":[{"text":"Okay?","start":1015.605,"end":1016.105,"sentiment":"neutral","sentiment_score":0.24645423889160156},{"text":"Excellent.","start":1017.125,"end":1017.625,"sentiment":"positive","sentiment_score":0.7401000261306763},{"text":"The next one in there and the one thing I sort of wanted to keep with you that we talked about was making sure you still had a little bit of an active management component within your portfolio because that's what Benelon was meant to bring.","start":1018.565,"end":1029.23,"sentiment":"neutral","sentiment_score":0.25077858372874884},{"text":"So I've looked at holding the having some active management within your portfolio, but trying to make it as low cost as possible.","start":1029.23,"end":1035.89,"sentiment":"neutral","sentiment_score":0.14843711969645126},{"text":"So that's what this next investment is.","start":1036.43,"end":1038.35,"sentiment":"neutral","sentiment_score":0.22325019325528825}],"sentiment":"neutral","sentiment_score":0.2243483874660272,"num_words":78,"start":1015.605,"end":1038.35},{"sentences":[{"text":"It's a JPMorgan Global Research Enhanced Equity Fund.","start":1038.35,"end":1041.945,"sentiment":"neutral","sentiment_score":0.21061195619404316},{"text":"This is essentially giving you a it's part passive, part active.","start":1042.0249,"end":1046.205,"sentiment":"neutral","sentiment_score":0.19493547894737936},{"text":"It's only a small percent active roundabouts, so the 10 to 15% active management.","start":1046.6649,"end":1050.825,"sentiment":"neutral","sentiment_score":0.1799931866782052},{"text":"The rest of it is essentially passive.","start":1050.825,"end":1052.505,"sentiment":"neutral","sentiment_score":0.1835200318268367},{"text":"It's a low cost fund, and they certainly find areas where there are fundamental insights, where they are able to build and add additional investments within their portfolio there, and it utilizes JPMorgan's research team to do that.","start":1052.505,"end":1067.64,"sentiment":"positive","sentiment_score":0.42295129048196894}],"sentiment":"neutral","sentiment_score":0.30392153580219317,"num_words":78,"start":1038.35,"end":1067.64},{"sentences":[{"text":"So it's about having a little bit of active management in there to take on a little bit more risk and get, you know, greater potential returns, but also making sure we're diversifying.","start":1067.64,"end":1075.7749,"sentiment":"positive","sentiment_score":0.35945532809604297},{"text":"This is also global, so it is looking at the global, you know, the world over and also making sure essentially that, you know, you are low cost as much as possible.","start":1076.075,"end":1086.97,"sentiment":"positive","sentiment_score":0.38742019701749086},{"text":"One of the things I wanted to look at was trying to reduce fees within your portfolio because your older portfolio was costing a little bit.","start":1086.97,"end":1093.31,"sentiment":"neutral","sentiment_score":0.12092942973742118},{"text":"So being able to reduce fees for you means that more money stays within your portfolio working harder for you.","start":1093.53,"end":1099.025,"sentiment":"positive","sentiment_score":0.37628201842308046},{"text":"Does that make sense?","start":1099.025,"end":1100.085,"sentiment":"neutral","sentiment_score":0.2915087044239044}],"sentiment":"neutral","sentiment_score":0.31387228253095045,"num_words":115,"start":1067.64,"end":1100.085},{"sentences":[{"text":"Absolutely.","start":1101.505,"end":1102.005,"sentiment":"neutral","sentiment_score":-0.005428350064903498},{"text":"Underneath that on the next page there, the last two that didn't quite fit, you've got the iShares Yield Plus and also the iShares Core composite bond.","start":1102.945,"end":1110.78,"sentiment":"neutral","sentiment_score":0.041211089947157435},{"text":"So these are essentially giving you access and exposure to defensive investments.","start":1110.78,"end":1114.64,"sentiment":"neutral","sentiment_score":0.3315451939900716},{"text":"Within that growth environment, we wanna see about 20% invested in defensive investments there.","start":1115.02,"end":1120.62,"sentiment":"neutral","sentiment_score":0.21142003472362245},{"text":"So this is essentially giving you access exposure to core composite bonds, which are great income producing and high yield shares, which, again, are really good for income production.","start":1120.62,"end":1130.275,"sentiment":"positive","sentiment_score":0.5636198808406961}],"sentiment":"neutral","sentiment_score":0.29386349923976035,"num_words":83,"start":1101.505,"end":1130.275},{"sentences":[{"text":"We wanna see income produced out of these investments.","start":1130.575,"end":1133.235,"sentiment":"positive","sentiment_score":0.5838899678654141},{"text":"That way, the funds get paid into your cash account and reinvested for compounding, and that over longer term can support additional growth on top of, yeah, the the the growth side of things in your portfolio.","start":1133.775,"end":1145.79,"sentiment":"positive","sentiment_score":0.6214442776667105},{"text":"I like to see a combination of growth as well as income to see that compounding work for you in your portfolio there.","start":1146.01,"end":1153.005,"sentiment":"positive","sentiment_score":0.696345936992894},{"text":"That is essentially an easy breakdown of each of those investments.","start":1153.165,"end":1156.385,"sentiment":"positive","sentiment_score":0.3744589794765819},{"text":"Is there any questions or anything you wanted to delve into a little bit deeper?","start":1156.445,"end":1160.145,"sentiment":"neutral","sentiment_score":0.16935793807109198}],"sentiment":"positive","sentiment_score":0.536040235585288,"num_words":95,"start":1130.575,"end":1160.145},{"sentences":[{"text":"Mhmm.","start":1163.805,"end":1164.305,"sentiment":"neutral","sentiment_score":-0.01018658746033907},{"text":"Yeah.","start":1181.92,"end":1182.255,"sentiment":"neutral","sentiment_score":0.06919623911380768},{"text":"Yeah.","start":1183.295,"end":1183.795,"sentiment":"neutral","sentiment_score":0.082651786506176},{"text":"So with that, you're looking at page 23 at the moment where you've got the proposed asset allocation there.","start":1184.095,"end":1189.875,"sentiment":"neutral","sentiment_score":0.08730057764210199},{"text":"And the first column and second column essentially show where our our our risk portfolio should sit, essentially, what we're aiming for with regard to each of the existing and proposed investments.","start":1189.935,"end":1200.4,"sentiment":"neutral","sentiment_score":0.15433295164257288}],"sentiment":"neutral","sentiment_score":0.12479679381336879,"num_words":54,"start":1163.805,"end":1200.4},{"sentences":[{"text":"With your current, you currently have about 21.58% invested in Australian shares, 51.22 in Australia as a international equities.","start":1200.86,"end":1209.76,"sentiment":"neutral","sentiment_score":0.15476297744010625},{"text":"Property, nothing currently, and 11.80 in alternative growth assets.","start":1210.465,"end":1215.205,"sentiment":"neutral","sentiment_score":0.1600569784641266},{"text":"It essentially gives you 84.60% growth.","start":1215.825,"end":1219.445,"sentiment":"positive","sentiment_score":0.349811131755511},{"text":"Within cash, about 3.10%, 12.30% within fixed interest, and nothing with defensive alternative status.","start":1219.825,"end":1226.96,"sentiment":"neutral","sentiment_score":0.10625199813927923},{"text":"So current defensive asset allocation is 15.40%.","start":1226.96,"end":1231.46,"sentiment":"neutral","sentiment_score":0.053745305963924954}],"sentiment":"neutral","sentiment_score":0.1517022051594474,"num_words":55,"start":1200.86,"end":1231.46},{"sentences":[{"text":"With the newer portfolio, we see the growth asset allocation dropped to about 80.98%, so a little bit more closer to the growth risk profile asset allocation there, and then 19 point 03%.","start":1231.6799,"end":1243.615,"sentiment":"neutral","sentiment_score":-0.1428256409073418},{"text":"So bringing up the defensive asset allocation there, it's keeping you within that 80 sort of 20 split, but also making sure to increase the defensive component just slightly for income production and also to overall lower the risk portfolio just a little bit or the risk side of things a little bit for you.","start":1243.615,"end":1260.04,"sentiment":"neutral","sentiment_score":0.2898368594321338},{"text":"Yeah.","start":1261.4601,"end":1261.785,"sentiment":"neutral","sentiment_score":0.25892284512519836},{"text":"Easy.","start":1262.025,"end":1262.425,"sentiment":"neutral","sentiment_score":0.2879236042499542},{"text":"If you scroll back up to page 19 for me, I can show you the cost size of things in the projection table there as well.","start":1262.425,"end":1269.165,"sentiment":"neutral","sentiment_score":0.12423009196153054}],"sentiment":"neutral","sentiment_score":0.12935008585517263,"num_words":116,"start":1231.6799,"end":1269.165},{"sentences":[{"text":"Beautiful.","start":1271.145,"end":1271.645,"sentiment":"positive","sentiment_score":0.5550206899642944},{"text":"So the first column there outlines your current balance.","start":1272.3451,"end":1275.165,"sentiment":"neutral","sentiment_score":0.287000373005867},{"text":"It's got the current investment fees, admin fees, the ongoing service fee, the net contributions going in there, and, essentially, underneath there, the growth portfolio with the current five year rolling average.","start":1275.305,"end":1285.87,"sentiment":"neutral","sentiment_score":0.1732352119870484},{"text":"Hasn't really been performing the way we wanted it to, so moving things out and also the portfolio is really good to do.","start":1286.01,"end":1291.87,"sentiment":"neutral","sentiment_score":0.3004410464478576},{"text":"As I kinda mentioned before, one of the things I look at is the CGT consequences because just like you, your super fund does a tax return.","start":1292.6951,"end":1299.415,"sentiment":"neutral","sentiment_score":0.10479882607857387}],"sentiment":"neutral","sentiment_score":0.20023112177200938,"num_words":92,"start":1271.145,"end":1299.415},{"sentences":[{"text":"And when we do switch or alter investments, your super fund has to account for capital gains.","start":1299.415,"end":1304.635,"sentiment":"neutral","sentiment_score":0.06553755043184056},{"text":"With making the switch that we've just gone through, the estimated capital gains is $647.","start":1305.0951,"end":1310.86,"sentiment":"neutral","sentiment_score":0.15992684761683146},{"text":"So instead of having a $5,000 CDT consequence, I've been able to reduce it as much as possible to 647 by offsetting as much of the losses as possible against the gains for being able to switch your portfolio, which is a positive thing.","start":1310.86,"end":1325.415,"sentiment":"neutral","sentiment_score":0.23358635968444022},{"text":"That essentially means that after the switch and after the CGT, the balance at the top there, the $3.61 is how much is expected to be within your super fund after the switch is being completed.","start":1326.4349,"end":1336.9349,"sentiment":"neutral","sentiment_score":0.24878433843453726},{"text":"Okay?","start":1337.075,"end":1337.575,"sentiment":"neutral","sentiment_score":0.12698909640312195}],"sentiment":"neutral","sentiment_score":0.20242536440491676,"num_words":113,"start":1299.415,"end":1337.575},{"sentences":[{"text":"Underneath that, you've got your investment fees and also the admin fees.","start":1338.97,"end":1342.4099,"sentiment":"neutral","sentiment_score":0.21566391860445341},{"text":"There's no change to admin fees because we're retaining a platform.","start":1342.4099,"end":1345.39,"sentiment":"neutral","sentiment_score":0.2493389519778165},{"text":"However, investment fees do drop significantly.","start":1345.9299,"end":1348.51,"sentiment":"neutral","sentiment_score":0.2517397155364354},{"text":"So we're saving about $1,301 in investment fees, which is great.","start":1348.89,"end":1353.375,"sentiment":"positive","sentiment_score":0.5411365519870411},{"text":"That essentially means there's more money that stays invested in your super compounding harder for you.","start":1353.855,"end":1358.755,"sentiment":"positive","sentiment_score":0.34596780501306057}],"sentiment":"neutral","sentiment_score":0.32730572750525816,"num_words":56,"start":1338.97,"end":1358.755},{"sentences":[{"text":"We also can expect the ongoing service fee for our services to drop and save you about $261 a year there as well, which is a positive thing.","start":1359.055,"end":1367.635,"sentiment":"positive","sentiment_score":0.5399690440722874},{"text":"Yeah.","start":1369.1901,"end":1369.6901,"sentiment":"neutral","sentiment_score":0.19711148738861084},{"text":"Contributions continue to go in at the same rate.","start":1369.91,"end":1372.31,"sentiment":"neutral","sentiment_score":0.22265373667081198},{"text":"You've got no insurance premiums coming out.","start":1372.31,"end":1374.79,"sentiment":"neutral","sentiment_score":0.23242346729551042},{"text":"However, keeping you in that growth asset allocation, the newer portfolio has averaged 10.18% on a yearly basis.","start":1374.79,"end":1381.53,"sentiment":"positive","sentiment_score":0.4816209094391929}],"sentiment":"positive","sentiment_score":0.4383534760702224,"num_words":63,"start":1359.055,"end":1381.53},{"sentences":[{"text":"If it can do what it has done over the past sort of five years, then we can sort of see where that's projected to put you over the next five to ten years, which does put you in a much better position, essentially.","start":1381.965,"end":1392.3049,"sentiment":"positive","sentiment_score":0.536609215492552},{"text":"Yeah.","start":1394.46,"end":1394.96,"sentiment":"neutral","sentiment_score":0.07787452638149261},{"text":"Do you have any questions about that that table at all?","start":1395.02,"end":1398.16,"sentiment":"neutral","sentiment_score":0.039354848421432755},{"text":"Yes.","start":1400.22,"end":1400.72,"sentiment":"neutral","sentiment_score":0.2661541700363159},{"text":"Easy.","start":1400.78,"end":1401.28,"sentiment":"neutral","sentiment_score":0.30395644903182983}],"sentiment":"positive","sentiment_score":0.4257188613751325,"num_words":58,"start":1381.965,"end":1401.28},{"sentences":[{"text":"Essentially, the only other side of things I wanted to go through was just with regard to the beneficiary side of things.","start":1401.9,"end":1407.26,"sentiment":"neutral","sentiment_score":0.13094623471525582},{"text":"That's down on page number 24.","start":1407.26,"end":1408.94,"sentiment":"neutral","sentiment_score":0.09888481224576633},{"text":"So just making sure your beneficiary nominations are completed, nominating a 100% of Candice in the event that anything does happen.","start":1408.94,"end":1415.825,"sentiment":"neutral","sentiment_score":0.2079913467168808},{"text":"If you do need any assistance, please let us know.","start":1416.445,"end":1418.6849,"sentiment":"neutral","sentiment_score":0.152588901668787},{"text":"We're more than happy to help you to have that prefilled out.","start":1418.6849,"end":1421.52,"sentiment":"positive","sentiment_score":0.5585766037305196}],"sentiment":"neutral","sentiment_score":0.22634862788336377,"num_words":71,"start":1401.9,"end":1421.52},{"sentences":[{"text":"Just making sure that everything is dotted and sorted.","start":1421.6,"end":1424.8,"sentiment":"positive","sentiment_score":0.4123336308532291},{"text":"That way, if in the event that anything was to happen, the claim would be much easier on her just to cover all your bases, essentially.","start":1424.8,"end":1432.26,"sentiment":"positive","sentiment_score":0.40192375905238664},{"text":"I also do make a recommendation that you do speak to a solicitor and make sure a will and power of attorneys are definitely drawn up.","start":1433.04,"end":1439.975,"sentiment":"neutral","sentiment_score":0.26647516454641634},{"text":"You can also do them through the local trustee if you need it, which can be a little bit cheaper.","start":1439.975,"end":1444.475,"sentiment":"neutral","sentiment_score":0.2895160913467407},{"text":"And you can also get a a will kit from the post office to make it cheaper again.","start":1445.015,"end":1449.48,"sentiment":"neutral","sentiment_score":0.2838973336749607}],"sentiment":"neutral","sentiment_score":0.3231297830740611,"num_words":99,"start":1421.6,"end":1449.48},{"sentences":[{"text":"Just making sure they are filled out as per the instructions to make sure they are valid is the main main concern with those.","start":1449.62,"end":1455.88,"sentiment":"neutral","sentiment_score":0.16583809598038593},{"text":"Okay.","start":1456.1,"end":1456.6,"sentiment":"neutral","sentiment_score":0.10034562647342682},{"text":"Excellent.","start":1457.94,"end":1458.44,"sentiment":"positive","sentiment_score":0.5728518962860107},{"text":"With the advice piece, this is all provided as part of our ongoing services to you, So there is no implementation fees involved.","start":1459.0599,"end":1466.385,"sentiment":"neutral","sentiment_score":0.30143018131670746},{"text":"You just pay the ongoing service fee, which we estimate to be 5,800 for the year there.","start":1466.4451,"end":1471.8251,"sentiment":"neutral","sentiment_score":0.3013848662376404}],"sentiment":"neutral","sentiment_score":0.25317801094867964,"num_words":66,"start":1449.62,"end":1471.8251},{"sentences":[{"text":"We'll make sure we do some reviews.","start":1472.045,"end":1473.665,"sentiment":"neutral","sentiment_score":0.2120537438562938},{"text":"Once you've got some time to go back and have a read to the document, because I know it can be a lot when I'm going through it with you.","start":1474.045,"end":1480.08,"sentiment":"neutral","sentiment_score":0.16965285663803417},{"text":"So you're welcome to take some time.","start":1480.08,"end":1481.52,"sentiment":"neutral","sentiment_score":0.22671074313776834},{"text":"And it's early morning there.","start":1481.52,"end":1482.7999,"sentiment":"neutral","sentiment_score":0.12056751698255538},{"text":"It's only 07:30, so I hope you've had your coffee at least.","start":1482.7999,"end":1486.02,"sentiment":"neutral","sentiment_score":0.15763265825808048}],"sentiment":"neutral","sentiment_score":0.17467814085424924,"num_words":61,"start":1472.045,"end":1486.02},{"sentences":[{"text":"Oh, you're good.","start":1491.615,"end":1492.6749,"sentiment":"positive","sentiment_score":0.4432770113150279},{"text":"I I understand that one.","start":1496.895,"end":1499.955,"sentiment":"neutral","sentiment_score":-0.2401334285736084},{"text":"Essentially, with this one here, you're welcome to take it back.","start":1501.615,"end":1503.9349,"sentiment":"neutral","sentiment_score":-0.008688277818939903},{"text":"Have a read the document.","start":1503.9349,"end":1504.95,"sentiment":"neutral","sentiment_score":0.13063826709985732},{"text":"If you do find you have any additional questions, please do let me know.","start":1504.95,"end":1508.65,"sentiment":"neutral","sentiment_score":0.14370552450418472}],"sentiment":"neutral","sentiment_score":0.07101740825333093,"num_words":38,"start":1491.615,"end":1508.65},{"sentences":[{"text":"If you do find that there are any that you're happy to go ahead with the recommendations, we just ask that you sign and return the document back, and we can have the implement and the implementation sorted for you.","start":1508.87,"end":1518.73,"sentiment":"neutral","sentiment_score":0.3096467202529311},{"text":"The switch does take about a week or two to complete.","start":1519.085,"end":1521.665,"sentiment":"neutral","sentiment_score":0.0940959094600244},{"text":"Most ETFs are sold very quickly and rebalanced out.","start":1522.205,"end":1525.725,"sentiment":"neutral","sentiment_score":0.07011764268908235},{"text":"It's just that the band the band along the managed fund can take a little bit longer, so it can take up to two weeks to kinda get that completely switched out.","start":1525.725,"end":1533.485,"sentiment":"neutral","sentiment_score":-0.0727396187139675},{"text":"So just letting you know that.","start":1533.485,"end":1536.89,"sentiment":"neutral","sentiment_score":0.10273453469077747}],"sentiment":"neutral","sentiment_score":0.12592573477221386,"num_words":98,"start":1508.87,"end":1536.89},{"sentences":[{"text":"The only other things depending on how much you like to read, I've also got the financial services guide attached to the email, the product disclosure statements for you, and the appendices.","start":1537.35,"end":1545.45,"sentiment":"neutral","sentiment_score":0.06559558003209531},{"text":"And in the appendices, it also does have all the links for all the individual investment PDFs as well.","start":1545.91,"end":1551.955,"sentiment":"neutral","sentiment_score":0.043849149914948565},{"text":"So not everyone's that keen to read them, but you're welcome to open those up and have a bit of a look at the investments as well.","start":1551.955,"end":1558.0349,"sentiment":"neutral","sentiment_score":0.168738118890259},{"text":"And, again, if you do find you have any questions, you're welcome to come back and let me know.","start":1558.0349,"end":1562.195,"sentiment":"neutral","sentiment_score":0.19351180133066678},{"text":"Okay?","start":1562.195,"end":1562.695,"sentiment":"neutral","sentiment_score":0.1484527438879013}],"sentiment":"neutral","sentiment_score":0.11544182233284322,"num_words":98,"start":1537.35,"end":1562.695},{"sentences":[{"text":"Easy.","start":1564.26,"end":1564.76,"sentiment":"neutral","sentiment_score":0.3076591491699219},{"text":"That is everything I just sorta needed to go through with you.","start":1565.2201,"end":1568.4401,"sentiment":"neutral","sentiment_score":0.25488689665993053},{"text":"Is there any questions or anything else that you might need from me at the moment or anything you wanted me to work on for you while you got me here or any major changes to your circumstances shortly?","start":1568.7401,"end":1577.56,"sentiment":"neutral","sentiment_score":0.04767135984431475},{"text":"Or yeah.","start":1577.6201,"end":1581.935,"sentiment":"neutral","sentiment_score":-0.0031455866992473602},{"text":"Yes.","start":1586.4751,"end":1586.9751,"sentiment":"neutral","sentiment_score":0.028905969113111496}],"sentiment":"neutral","sentiment_score":0.09541999524967237,"num_words":55,"start":1564.26,"end":1586.9751},{"sentences":[{"text":"Yep.","start":1602.1599,"end":1602.6599,"sentiment":"neutral","sentiment_score":0.04144160822033882},{"text":"Yep.","start":1603.12,"end":1603.62,"sentiment":"neutral","sentiment_score":0.03163374215364456},{"text":"Mhmm.","start":1604.505,"end":1605.005,"sentiment":"neutral","sentiment_score":-0.006878278683871031},{"text":"Mhmm.","start":1610.6326,"end":1611.1326,"sentiment":"neutral","sentiment_score":-0.07721312344074249},{"text":"Yep.","start":1617.16,"end":1617.66,"sentiment":"neutral","sentiment_score":0.2228488922119141}],"sentiment":"neutral","sentiment_score":0.04236656809225679,"num_words":5,"start":1602.1599,"end":1617.66},{"sentences":[{"text":"Yep.","start":1627.64,"end":1628.14,"sentiment":"neutral","sentiment_score":0.24295330047607425},{"text":"Mhmm.","start":1645.085,"end":1645.44,"sentiment":"neutral","sentiment_score":0.04465872049331665},{"text":"Yeah.","start":1652.32,"end":1652.5599,"sentiment":"neutral","sentiment_score":0.2187800258398056},{"text":"Yeah.","start":1652.5599,"end":1652.8799,"sentiment":"positive","sentiment_score":0.33704429864883423},{"text":"Absolutely.","start":1652.8799,"end":1653.3799,"sentiment":"positive","sentiment_score":0.5527021884918213}],"sentiment":"neutral","sentiment_score":0.2792277067899704,"num_words":5,"start":1627.64,"end":1653.3799},{"sentences":[{"text":"So what I would probably suggest you do just to make sure in your myGov account that you still have access to carry forward contributions that you're not exceeding the cap in any way, shape, or form.","start":1653.6799,"end":1663.4651,"sentiment":"neutral","sentiment_score":0.24864327545101578},{"text":"Essentially, with such large large sums of money, one of the things I like to sort of point out is if you put a 100 or your 50 k into super or a 150 k in all at one time, that money is invested all at one time.","start":1664.165,"end":1676.63,"sentiment":"neutral","sentiment_score":0.30453083679700893},{"text":"So, realistically, to take advantage of market reactions, dollar cost averaging tends to work out much better because you buy in regular amounts of money, and it's you're not sort of trying to time the market.","start":1676.85,"end":1689.1951,"sentiment":"neutral","sentiment_score":0.33166803585158455},{"text":"You're just buying in.","start":1689.1951,"end":1690.475,"sentiment":"neutral","sentiment_score":0.30140167474746704},{"text":"And when the market is down, you buy more investment options at a discounted rate, whereas when the market is higher, the same amount of money goes in and buys less units of the investments there.","start":1690.475,"end":1699.435,"sentiment":"neutral","sentiment_score":0.11035066025538577}],"sentiment":"neutral","sentiment_score":0.25425814358251436,"num_words":161,"start":1653.6799,"end":1699.435},{"sentences":[{"text":"So, realistically, drip feeding the money in over a longer period of time is generally the best way to do that.","start":1699.435,"end":1705.5701,"sentiment":"positive","sentiment_score":0.3905816376209259},{"text":"If you are wanting to claim a tax deduction on the money, doing it nonconcessioning to straight out of the bank account, and then at the end of the financial year, we claim a notice of intent for you the way we have previously.","start":1706.03,"end":1717.4951,"sentiment":"neutral","sentiment_score":0.19628347558054057},{"text":"We'll allow you to then claim that money back as a tax deduction.","start":1718.3551,"end":1721.655,"sentiment":"positive","sentiment_score":0.3611600949214055},{"text":"Alternatively, depending on if you don't wanna claim it as a tax deduction, you just want the money to be a 100% invested, you can just leave it in there as a nonconcessional contribution.","start":1723.555,"end":1733.0701,"sentiment":"neutral","sentiment_score":0.19827223010361195},{"text":"And nonconcessional caps are much higher.","start":1733.6901,"end":1736.01,"sentiment":"neutral","sentiment_score":-0.14883243044217428}],"sentiment":"neutral","sentiment_score":0.232051099918909,"num_words":118,"start":1699.435,"end":1736.01},{"sentences":[{"text":"So at the moment, we're sitting at a 130,000 for this financial year in nonconcessional.","start":1736.01,"end":1740.51,"sentiment":"neutral","sentiment_score":0.04773473391930262},{"text":"The down yeah.","start":1741.85,"end":1743.05,"sentiment":"neutral","sentiment_score":-0.06839029242595036},{"text":"The downside is that you can't claim well, if you don't claim a notice of intent, that money doesn't get it doesn't provide a tax deduction for you.","start":1743.05,"end":1752.395,"sentiment":"negative","sentiment_score":-0.3853553890117577},{"text":"The benefit to non concessional contributions is that a 100% of that money is invested into the market.","start":1752.395,"end":1758.255,"sentiment":"positive","sentiment_score":0.3603730046500762},{"text":"So there's no taxes deducted out of the funds once they hit the super fund, and it's all invested long term.","start":1758.3151,"end":1764.53,"sentiment":"positive","sentiment_score":0.5040350357691447}],"sentiment":"neutral","sentiment_score":0.07990998910630451,"num_words":85,"start":1736.01,"end":1764.53},{"sentences":[{"text":"And it does provide a boost to your tax free benefit within your super as well.","start":1764.53,"end":1769.17,"sentiment":"positive","sentiment_score":0.7642552740871906},{"text":"So I'm happy to provide more personal financial advice for you if you would like to.","start":1769.17,"end":1775.17,"sentiment":"positive","sentiment_score":0.7433901019394398},{"text":"I'll just need to maybe have another conversation with you, double check your catch up contributions as well, and then I could always do another advice document for you recommending how that money gets put in.","start":1775.17,"end":1785.665,"sentiment":"positive","sentiment_score":0.3477769018047386},{"text":"Or if you're comfortable just with the information today and you know how you would like to have that put into your super, you're welcome to do so.","start":1785.665,"end":1792.71,"sentiment":"positive","sentiment_score":0.4021312583770071},{"text":"But I would definitely make sure that you do both both of you check your your myGov to look at your carry forward concessional contributions for the past couple of years there as well to make sure you're not exceeding the caps in any way.","start":1792.7899,"end":1805.13,"sentiment":"neutral","sentiment_score":0.20186391704612308}],"sentiment":"positive","sentiment_score":0.40415493604984687,"num_words":141,"start":1764.53,"end":1805.13},{"sentences":[{"text":"And the other thing to consider is super balances do need to be under 500,000 as at the June 30 last financial year to be able to utilize the cap the carry forward contribution caps as well.","start":1805.475,"end":1816.995,"sentiment":"neutral","sentiment_score":0.08302846540873116},{"text":"So your balance still hits that threshold, which is absolutely fine, but just making sure your wife does as well.","start":1816.995,"end":1823.7001,"sentiment":"neutral","sentiment_score":0.3262349650263786},{"text":"But you're welcome to email me any additional questions or ask me anything extra that you might need.","start":1823.7001,"end":1829.0,"sentiment":"positive","sentiment_score":0.3698832293351491},{"text":"And if you would just like a more, you know, personalized advice, like an advice document on how best to put that money in and to make it work for you, I'm more than happy to come back and have another conversation, reassess your goals there, and provide a new advice document outlining what you would like to see there as well.","start":1829.3,"end":1846.01,"sentiment":"positive","sentiment_score":0.4697445741584224},{"text":"Yeah.","start":1846.31,"end":1846.81,"sentiment":"neutral","sentiment_score":0.09266779571771622}],"sentiment":"neutral","sentiment_score":0.32950349305958854,"num_words":138,"start":1805.475,"end":1846.81},{"sentences":[{"text":"Yeah.","start":1854.95,"end":1855.1901,"sentiment":"neutral","sentiment_score":0.21411588788032532},{"text":"Beautiful.","start":1855.1901,"end":1855.6901,"sentiment":"positive","sentiment_score":0.4690902829170227},{"text":"Yeah.","start":1859.165,"end":1859.5651,"sentiment":"neutral","sentiment_score":0.33304154872894287},{"text":"Beautiful.","start":1859.5651,"end":1860.0651,"sentiment":"positive","sentiment_score":0.7809265851974487},{"text":"Yeah.","start":1862.525,"end":1863.025,"sentiment":"positive","sentiment_score":0.36136895418167114}],"sentiment":"positive","sentiment_score":0.43170865178108214,"num_words":5,"start":1854.95,"end":1863.025},{"sentences":[{"text":"That's okay.","start":1863.485,"end":1864.305,"sentiment":"positive","sentiment_score":0.43479982018470764},{"text":"Oh, good.","start":1867.645,"end":1868.365,"sentiment":"positive","sentiment_score":0.3980676829814911},{"text":"Is no worries at all.","start":1868.365,"end":1869.5651,"sentiment":"positive","sentiment_score":0.3752310752868652},{"text":"That's everything I needed to go through.","start":1869.5651,"end":1871.085,"sentiment":"positive","sentiment_score":0.4157780110836029},{"text":"Do you have any additional questions or anything else that you might need from me currently, or that should be everything?","start":1871.085,"end":1876.3201,"sentiment":"neutral","sentiment_score":0.10380150892195247}],"sentiment":"neutral","sentiment_score":0.23330184183007963,"num_words":37,"start":1863.485,"end":1876.3201},{"sentences":[{"text":"That's everything.","start":1877.9801,"end":1878.7001,"sentiment":"positive","sentiment_score":0.3783881366252899},{"text":"Beautiful.","start":1878.7001,"end":1879.02,"sentiment":"positive","sentiment_score":0.7231464385986328},{"text":"Was it if there are any additional questions or anything else for me, please don't have a hesitate to let me know.","start":1879.02,"end":1883.7401,"sentiment":"neutral","sentiment_score":0.2436959956857291},{"text":"In the meantime, take some time to read you the document there.","start":1883.7401,"end":1886.565,"sentiment":"neutral","sentiment_score":0.1942003077516953},{"text":"And, yeah, thank you so much for allowing me to put this together for you.","start":1886.965,"end":1889.6849,"sentiment":"positive","sentiment_score":0.7627190391222636}],"sentiment":"positive","sentiment_score":0.3963927672459529,"num_words":52,"start":1877.9801,"end":1889.6849},{"sentences":[{"text":"I hope you have a good day.","start":1889.6849,"end":1891.1449,"sentiment":"positive","sentiment_score":0.7187318972178868},{"text":"Thanks, Ian.","start":1892.965,"end":1893.605,"sentiment":"positive","sentiment_score":0.6280147433280945},{"text":"I'll talk to you soon.","start":1893.605,"end":1894.745,"sentiment":"positive","sentiment_score":0.4687191486358643},{"text":"Thanks.","start":1895.9249,"end":1896.325,"sentiment":"positive","sentiment_score":0.5707542896270752},{"text":"See you later.","start":1896.325,"end":1896.8849,"sentiment":"positive","sentiment_score":0.4125574330488841}],"sentiment":"positive","sentiment_score":0.5799541721741358,"num_words":18,"start":1889.6849,"end":1896.8849},{"sentences":[{"text":"Bye.","start":1896.8849,"end":1897.3849,"sentiment":"neutral","sentiment_score":0.21959754824638367}],"sentiment":"neutral","sentiment_score":0.21959754824638367,"num_words":1,"start":1896.8849,"end":1897.3849}]}}]},{"alternatives":[{"transcript":"Hello. This is Ian. Yeah. Yeah. Sorry. I'm just connecting my headset, which should be come on. What's going on here? Come on. You still there? Okay. You're Yes. It's finally come through the headset now. Sure. Ian Joseph Quadrio, 01/29/1980, Unit 2 Number 14, Kelso Crescent, Manning, WA. Hectic. Oh, yeah. Yeah. Hopefully. Yeah. Yeah. I I've got a day off to myself. Yeah. No. No. I was in the car. Yeah. Just give me a couple of seconds to set myself up. Hit. Do you know which email you sent it to? Yeah. I thought it came through straight away. It came through on my phone, but I just can't see it on my PC for for weird reason. Oh, no. It'll be fine. I'm just waiting for oh, I know. I can't see it. Here we go. Yep. Yep. No problem. Yep. Yes. Yes. Yeah. No. That seems that's correct. Yep. I have received them, and I have probably just forgotten to send them out again because I just Yep. Yes. Yes. Mhmm. Slowly. I haven't really made any what you call it? Yeah. Not so much progress. There's a little bit of progress, but there been sort of but it's mostly just sort of setting up the business for the use essentially before I start taking clients. I have a full time paying job. That's it. Yep. Mhmm. Yep. Sure. Sure. Yes. Sure. Right. Right. Yes. Go. Go. Okay. Yes. Right. Mhmm. Okay. Okay. Sure. Okay. Okay. Right. Sure. Okay. Sure. Right. Sure. Sure. Yeah. Yep. Sure. Okay. Sure. K. Mhmm. Sure. Mhmm. Right. Yes. Yep. Sure. No. No. I think that's all fine. Because there is just okay. So this is more of a percentage. But because I just scrolled down a little bit. So the proposed asset allocation is based on percentage. Yeah. Yep. Yep. Yep. That makes sense. Yep. Right. Yep. Right. Cool. Yep. Go. Okay. No. No. That's fine, sir. Yep. Sure. Hello? Yep. Yep. Yeah. Yeah. No. I've I've I've been up since 06:30, so that's fine. The kid the kid gets up at 06:00 every morning, so I don't get much of a choice. Yep. Cool. No problem. Sure. Kind of. So because of the whole capital gains tax thing, my parents have decided that the the best thing to redistribute their wealth is to give each of us a 100 k for investing not very investing, but putting into our super. I'm we're based on my wife's super. We're probably gonna limit a 150 for her and 50 for me. So there's gonna be basically a large sum of cash that's gonna be dropped into my super very shortly. My question was, what's the best way to deposit that? Would that be do we just do one lump sum or do we break it up and declare some as tax at, you know, under the the tax frame? Declaring it as a tax deduction? Yep. Yep. Okay. Yes. Okay. Yeah. Yep. Yeah. Yeah. Yep. Okay. No. No. No. I think that's fine. Because my my sister's my accountant, she handles our finances. So, yeah, you you I'll have to have that conversation with her as well. Cool. So thank you for that. Yeah. Alright. No. That's everything. K. Thanks. You too, Dana. Hello there. See you. 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This is Ian. Yeah. Yeah. Sorry.\n\nI'm just connecting my headset, which should be come on. What's going on here? Come on. You still there? Okay.\n\nYou're Yes. It's finally come through the headset now. Sure. Ian Joseph Quadrio, 01/29/1980, Unit 2 Number 14, Kelso Crescent, Manning, WA. Hectic.\n\nOh, yeah. Yeah. Hopefully. Yeah. Yeah.\n\nI I've got a day off to myself. Yeah. No. No. I was in the car.\n\nYeah. Just give me a couple of seconds to set myself up. Hit. Do you know which email you sent it to? Yeah.\n\nI thought it came through straight away. It came through on my phone, but I just can't see it on my PC for for weird reason. Oh, no. It'll be fine. I'm just waiting for oh, I know.\n\nI can't see it. Here we go. Yep. Yep. No problem.\n\nYep. Yes. Yes. Yeah. No.\n\nThat seems that's correct. Yep. I have received them, and I have probably just forgotten to send them out again because I just Yep. Yes. Yes.\n\nMhmm. Slowly. I haven't really made any what you call it? Yeah. Not so much progress.\n\nThere's a little bit of progress, but there been sort of but it's mostly just sort of setting up the business for the use essentially before I start taking clients. I have a full time paying job. That's it. Yep. Mhmm.\n\nYep. Sure. Sure. Yes. Sure.\n\nRight. Right. Yes. Go. Go.\n\nOkay. Yes. Right. Mhmm. Okay.\n\nOkay. Sure. Okay. Okay. Right.\n\nSure. Okay. Sure. Right. Sure.\n\nSure. Yeah. Yep. Sure. Okay.\n\nSure. K. Mhmm. Sure. Mhmm.\n\nRight. Yes. Yep. Sure. No.\n\nNo. I think that's all fine. Because there is just okay. So this is more of a percentage. But because I just scrolled down a little bit.\n\nSo the proposed asset allocation is based on percentage. Yeah. Yep. Yep. Yep.\n\nThat makes sense. Yep. Right. Yep. Right.\n\nCool. Yep. Go. Okay. No.\n\nNo. That's fine, sir. Yep. Sure. Hello?\n\nYep. Yep. Yeah. Yeah. No.\n\nI've I've I've been up since 06:30, so that's fine. The kid the kid gets up at 06:00 every morning, so I don't get much of a choice. Yep. Cool. No problem.\n\nSure. Kind of. So because of the whole capital gains tax thing, my parents have decided that the the best thing to redistribute their wealth is to give each of us a 100 k for investing not very investing, but putting into our super. I'm we're based on my wife's super. We're probably gonna limit a 150 for her and 50 for me.\n\nSo there's gonna be basically a large sum of cash that's gonna be dropped into my super very shortly. My question was, what's the best way to deposit that? Would that be do we just do one lump sum or do we break it up and declare some as tax at, you know, under the the tax frame? Declaring it as a tax deduction? Yep.\n\nYep. Okay. Yes. Okay. Yeah.\n\nYep. Yeah. Yeah. Yep. Okay.\n\nNo. No. No. I think that's fine. Because my my sister's my accountant, she handles our finances.\n\nSo, yeah, you you I'll have to have that conversation with her as well. Cool. So thank you for that. Yeah. Alright.\n\nNo. That's everything. K. Thanks. You too, Dana.\n\nHello there. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":5.04,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.03844731301069259},{"text":"This is Ian.","start":5.3599997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.05458476518591245},{"text":"Yeah.","start":10.88,"end":11.36,"sentiment":"neutral","sentiment_score":0.032362520694732666},{"text":"Yeah.","start":11.36,"end":11.599999,"sentiment":"neutral","sentiment_score":0.01007196307182312},{"text":"Sorry.","start":11.599999,"end":11.92,"sentiment":"neutral","sentiment_score":-0.026897817850112915}],"sentiment":"neutral","sentiment_score":0.031105467783553258,"num_words":7,"start":5.04,"end":11.92},{"sentences":[{"text":"I'm just connecting my headset, which should be come on.","start":11.92,"end":17.405,"sentiment":"neutral","sentiment_score":-0.01392789976671338},{"text":"What's going on here?","start":17.405,"end":18.625,"sentiment":"neutral","sentiment_score":0.005141916568391025},{"text":"Come 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deduction?","start":1649.0499,"end":1651.5499,"sentiment":"neutral","sentiment_score":0.0719491516550382},{"text":"Yep.","start":1659.455,"end":1659.955,"sentiment":"neutral","sentiment_score":0.28218942880630493}],"sentiment":"neutral","sentiment_score":0.10690774450508447,"num_words":65,"start":1617.8,"end":1659.955},{"sentences":[{"text":"Yep.","start":1674.655,"end":1674.9,"sentiment":"positive","sentiment_score":0.4320610165596008},{"text":"Okay.","start":1706.115,"end":1706.4,"sentiment":"neutral","sentiment_score":0.1745864897966385},{"text":"Yes.","start":1717.4401,"end":1717.9401,"sentiment":"positive","sentiment_score":0.3937106728553772},{"text":"Okay.","start":1742.0,"end":1742.5,"sentiment":"neutral","sentiment_score":-0.007599247619509697},{"text":"Yeah.","start":1752.825,"end":1753.325,"sentiment":"neutral","sentiment_score":0.25350481271743774}],"sentiment":"neutral","sentiment_score":0.2492527488619089,"num_words":5,"start":1674.655,"end":1753.325},{"sentences":[{"text":"Yep.","start":1805.52,"end":1806.02,"sentiment":"neutral","sentiment_score":0.08483627438545227},{"text":"Yeah.","start":1816.685,"end":1817.185,"sentiment":"neutral","sentiment_score":0.1025017872452736},{"text":"Yeah.","start":1817.405,"end":1817.905,"sentiment":"neutral","sentiment_score":0.23207461833953855},{"text":"Yep.","start":1821.9701,"end":1822.4701,"sentiment":"neutral","sentiment_score":0.30710452795028687},{"text":"Okay.","start":1847.74,"end":1848.0599,"sentiment":"neutral","sentiment_score":0.0564873032271862}],"sentiment":"neutral","sentiment_score":0.1566009022295475,"num_words":5,"start":1805.52,"end":1848.0599},{"sentences":[{"text":"No.","start":1848.0599,"end":1848.38,"sentiment":"neutral","sentiment_score":-0.042821843177080154},{"text":"No.","start":1848.38,"end":1848.62,"sentiment":"neutral","sentiment_score":-0.11738871783018112},{"text":"No.","start":1848.62,"end":1848.7799,"sentiment":"neutral","sentiment_score":-0.1542690098285675},{"text":"I think that's fine.","start":1848.7799,"end":1849.84,"sentiment":"neutral","sentiment_score":0.06523273140192032},{"text":"Because my my sister's my accountant, she handles our finances.","start":1850.14,"end":1855.0399,"sentiment":"neutral","sentiment_score":0.15361338555812837}],"sentiment":"neutral","sentiment_score":0.08721089472665507,"num_words":17,"start":1848.0599,"end":1855.0399},{"sentences":[{"text":"So, yeah, you you I'll have to have that conversation with her as well.","start":1855.1799,"end":1858.72,"sentiment":"neutral","sentiment_score":0.1792804492371423},{"text":"Cool.","start":1861.405,"end":1861.7251,"sentiment":"positive","sentiment_score":0.7489302158355713},{"text":"So thank you for that.","start":1861.7251,"end":1863.1051,"sentiment":"positive","sentiment_score":0.6467905163764953},{"text":"Yeah.","start":1864.045,"end":1864.545,"sentiment":"neutral","sentiment_score":0.2801104784011841},{"text":"Alright.","start":1867.645,"end":1868.145,"sentiment":"positive","sentiment_score":0.35062694549560547}],"sentiment":"neutral","sentiment_score":0.3237975686788559,"num_words":22,"start":1855.1799,"end":1868.145},{"sentences":[{"text":"No.","start":1876.61,"end":1876.85,"sentiment":"neutral","sentiment_score":-0.017589926719665527},{"text":"That's everything.","start":1876.85,"end":1877.59,"sentiment":"neutral","sentiment_score":0.13286594301462173},{"text":"K.","start":1891.0751,"end":1891.155,"sentiment":"neutral","sentiment_score":0.20426487922668457},{"text":"Thanks.","start":1891.155,"end":1891.635,"sentiment":"positive","sentiment_score":0.6204299330711365},{"text":"You too, Dana.","start":1891.635,"end":1892.4551,"sentiment":"positive","sentiment_score":0.4872974753379822}],"sentiment":"neutral","sentiment_score":0.3168411497026682,"num_words":8,"start":1876.61,"end":1892.4551},{"sentences":[{"text":"Hello there.","start":1894.755,"end":1895.3151,"sentiment":"neutral","sentiment_score":0.24513033777475357},{"text":"See you.","start":1895.3151,"end":1895.9751,"sentiment":"positive","sentiment_score":0.34132397174835205},{"text":"Bye.","start":1896.995,"end":1897.495,"sentiment":"neutral","sentiment_score":-0.1193334311246872}],"sentiment":"neutral","sentiment_score":0.21071503758430482,"num_words":5,"start":1894.755,"end":1897.495}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This\n\nChannel 0: Hi,\n\nChannel 1: is\n\nChannel 0: Ian.\n\nChannel 1: Ian.\n\nChannel 0: Hi, Ian. It's Dana from Oakview Financial again. Is now a better time there for you?\n\nChannel 1: Yeah. Yeah. Sorry. I'm just connecting my headset,\n\nChannel 0: Yeah.\n\nChannel 1: which should be\n\nChannel 0: You're\n\nChannel 1: come on. What's going on here?\n\nChannel 0: you're absolutely fine.\n\nChannel 1: Come on. You still there?\n\nChannel 0: Yeah. I can hear you perfectly.\n\nChannel 1: Okay.\n\nChannel 0: Can you hear me okay?\n\nChannel 1: You're Yes. It's finally come through the headset now.\n\nChannel 0: Fantastic. Ian, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Sure.\n\nChannel 0: Fantastic. And just to do a quick security check there for you. So just to confirm your full name, your date of birth, and address that you have on file?\n\nChannel 1: Ian Joseph Quadrio, 01/29/1980, Unit 2 Number 14, Kelso Crescent, Manning, WA.\n\nChannel 0: Beautiful. Thank you so much for that. And how's your week been so far?\n\nChannel 1: Hectic.\n\nChannel 0: Understandable. Hopefully, you have a good relaxing weekend ahead there.\n\nChannel 1: Oh, yeah. Yeah. Hopefully. Yeah. Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: I I've got a day off to myself.\n\nChannel 0: Oh, that'll be really nice. Ian, I've got the I sent the advice document through to you there. Have you been able to jump into your emails and pull that one up at all?\n\nChannel 1: Yeah. No. No. I was in the car.\n\nChannel 0: Oh, that's okay. Are you able to access your emails? If you can't, that is fine. I'm able to run you through the recommendations and let you have a look at it later. What's easier for you?\n\nChannel 1: Yeah. Just give me a couple of seconds to set myself\n\nChannel 0: Yeah.\n\nChannel 1: up.\n\nChannel 0: You're fine. It should come through from OdooSign.\n\nChannel 1: Hit. Do you know which email you sent it to?\n\nChannel 0: Yep. So the email I have here for you sorry. It should be at lab_mouse@hotmail.com. Double check your junk mail. It might also take a little bit of time.\n\nThey normally come through pretty pretty quickly, but\n\nChannel 1: Yeah.\n\nChannel 0: you just\n\nChannel 1: I thought\n\nChannel 0: never\n\nChannel 1: it came\n\nChannel 0: know with\n\nChannel 1: through\n\nChannel 0: technology.\n\nChannel 1: straight away.\n\nChannel 0: You just never know.\n\nChannel 1: It came through\n\nChannel 0: I'm\n\nChannel 1: on\n\nChannel 0: just\n\nChannel 1: my phone,\n\nChannel 0: double\n\nChannel 1: but I just can't see it on my PC for for\n\nChannel 0: I've\n\nChannel 1: weird\n\nChannel 0: had that happen a few times. I'm not sure how that that occurs. But, yeah, I could always resend it if you like to see if it comes through on the PC\n\nChannel 1: reason.\n\nChannel 0: while you're sitting there.\n\nChannel 1: Oh, no. It'll be fine. I'm just\n\nChannel 0: That'll\n\nChannel 1: waiting\n\nChannel 0: be okay. That's alright.\n\nChannel 1: for oh, I know. I can't see it. Here we go.\n\nChannel 0: Excellent. So when you can\n\nChannel 1: Yep.\n\nChannel 0: see the document there, there is that button to sign in order to to press to sign to move forward. I will\n\nChannel 1: Yep.\n\nChannel 0: never ask you to sign anything you haven't read. It's just so you can review the document there, and you'll be able to go back and review that after the call there as well. Okay?\n\nChannel 1: No problem.\n\nChannel 0: Perfect. So on the front page there, it's noted down that the statement of advice has been prepared for yourself as of the thirtieth December September twenty twenty six. We date the document for the date that we are presenting it to you because all of our advice is valid for sixty days after the presentation date or the date on the document. So it just gives you time to review it to make your decisions as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. At the bottom of that, it has been prepared by myself and my lovely team here at Oakview Financial, and it's got my license registration number as a licensed financial adviser there for you as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Moving forward throughout the document, we have the best interest, Judy. Just letting you know that any advice we do provide is meant to be essentially looking after your goals and working towards your long term goals. So we do what we do. We go to the point of doing reviews, looking at your goals, and then providing advice to help you achieve those goals down the track there.\n\nChannel 1: Yes.\n\nChannel 0: Then you've got your table of contents, and we, after that, have essentially the scoping in and out. These are areas that we are and or are not looking at advice for you today. Essentially, this advice document has been limited to superannuation. One of your goals was that you are looking at wanting to build your super and achieve the best possible returns overall, hoping to have some active management within your portfolio, which is the expected to deliver net benefits after fees and aiming to, be able to access your super as early as possible, which at the moment is about 60. Does that still feel appropriate to your goals?\n\nWould there be any changes since we last caught up?\n\nChannel 1: Yeah. No. That seems that's correct. Yep.\n\nChannel 0: Yeah. Beautiful. I've also considered the estate planning side of things. So we talked about sending out your beneficiary nominations, and my team has sent those out. Have you received those as of yet?\n\nIf you haven't, I can have them resent.\n\nChannel 1: I have received them, and I\n\nChannel 0: Yep.\n\nChannel 1: have probably just forgotten to send them out again because\n\nChannel 0: That's\n\nChannel 1: I just\n\nChannel 0: absolutely that's absolutely fine. I'll keep sort of making it mentioned to you to make sure that they are updated and correct for you. If you have any problems\n\nChannel 1: Yep.\n\nChannel 0: or questions, please don't ever hesitate to give me a call. But I've just scoped in the estate planning things to make sure here that your beneficiaries are set up as per your wishes, just making sure that your super is directed to Candice in the event that anything occurs. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Beautiful. Areas that we are not looking at advice are on the next page down. So areas of personal shares, you do have personal investments outside of super. You are just looking after those at the moment. If you did need any additional support to drive down the track, we can always come back and look at that for you.\n\nChannel 1: Mhmm.\n\nChannel 0: We've also scoped out anything regarding the business. So you're looking at opening or starting a mobile remediation business down the track, building that alongside your current employment and then transitioning over to that full time in the future. We're not providing additional advice at the moment, but how is that going for you?\n\nChannel 1: Slowly. I haven't really made any what you call it?\n\nChannel 0: Progress?\n\nChannel 1: Yeah. Not so much progress. There's a little bit of progress, but there been\n\nChannel 0: No.\n\nChannel 1: sort of but it's mostly just sort of setting up the business\n\nChannel 0: Okay. Yeah.\n\nChannel 1: for the use essentially before I\n\nChannel 0: Yeah.\n\nChannel 1: start taking clients.\n\nChannel 0: Yep.\n\nChannel 1: I have a full\n\nChannel 0: No.\n\nChannel 1: time\n\nChannel 0: I\n\nChannel 1: paying\n\nChannel 0: understand.\n\nChannel 1: job.\n\nChannel 0: Absolutely. Your life is very full and busy, so this is adding one more busy thing into it for you.\n\nChannel 1: That's it.\n\nChannel 0: Yeah. You've also got homeownership. So potential of looking at owning a home in the future that is scoped out for the time being as well and personal insurances. So you don't have life, safety, income protection, or trauma cover. You are happy with the way not having those currently, but if down the track you wanted to revisit that, wanted to look at getting those types of insurance, you're welcome to let me know, and we can have that further conversation there.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: And then also scopes out anything to do with the personal travel and the cash flow side around that. You're wanting to take a trip to The US in 2032, and you are working towards that goal currently. So advice for us would be around cash flow and budgeting and saving and things like that. We're\n\nChannel 1: Yep.\n\nChannel 0: scoping that out for the time being, but can assist you in that area down the track if you would\n\nChannel 1: Sure.\n\nChannel 0: like it.\n\nChannel 1: Sure.\n\nChannel 0: Okay? Excellent. The next couple of pages outline the about you section to the information that we had on the previous fact line. We've also got your assets and liabilities there. What I would like to maybe do, if possible, is get you to scroll down to page number 14 where I'll send to take you through the recommendations.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. So with this one here, after we spoke in your annual review, I went back and reviewed the portfolio as well as the super platform to make sure everything was working well for you. I do review the platform as well to see if there's anything better or any other way of reducing fees and of making sure your super is working harder for you, I\n\nChannel 1: Sure.\n\nChannel 0: am recommending that you do retain the hub 24 platform. There\n\nChannel 1: Right.\n\nChannel 0: are other cheaper platforms out there. However, one of the things I do like to take into consideration is the capital gains consequences. So if we had of looked at recommending a full sell down of your portfolio and moving you to a new platform, you would have been cementing capital gains of $5,225.31. That is\n\nChannel 1: Right.\n\nChannel 0: a very large chunk of money, and it is harder to once you roll that to another platform, start to make that back. It take it takes time. So one of the things\n\nChannel 1: Yes.\n\nChannel 0: I wanted to look at doing was altering your portfolio to keep things working towards your goals, but minimizing the tax consequences as much as possible for your super fund. Okay?\n\nChannel 1: Go. Go.\n\nChannel 0: So recommending you do retain the hub 24 platform, also keeping your contributions going in there as they are, but we are gonna look at altering the portfolio for you. If\n\nChannel 1: Okay.\n\nChannel 0: I can get you just to skip a skip a couple of pages there for me and go down to page number 21, I'll take you through the changes to be made there to your portfolio to make it easier.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. This essentially shows that your current super fund there with your current and current investments with the way they are currently set in the fund. The first column has the individual investments, the APIR code on the next one, your current investment weighting and the current balance within each of those funds. The next column is the one I like to sort of focus on. This is where we're gonna be buying and selling, and the last two columns show the target.\n\nSo once we've made the changes, how much of your portfolio would be in each of these investments and the target balance to be held there as well for you.\n\nChannel 1: Right.\n\nChannel 0: Okay? Yeah. So, essentially, having a look at the investments and looking at some of the ones that have been underperforming this year and looking at ways to update your portfolio so that we can look to make the investment cheaper as much as possible, but also make sure they are performing really well as well. You're definitely in one of the older portfolios. So, essentially, changes I wanna make to your portfolio here.\n\nWe're gonna keep your physical gold, but you're a little bit underweighted currently. So we do wanna buy a little bit more of that, bring you up to 8% weighting then. Physical\n\nChannel 1: Mhmm.\n\nChannel 0: silver has been good over the past, but it is underperforming a little bit at the moment. So we're just gonna remove that from your portfolio wholly, cement the gains that it has made, and bring you down to zero within the physical silver space.\n\nChannel 1: Okay.\n\nChannel 0: The Bannalong Australian Equities, this was an actively managed portion of your super fund. This has been underperforming. The investment itself has had some issues within their fund and the investments that they're investing in, And, therefore, it is underperforming and holding your super back a little bit, so I am removing that completely from your super fund there as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: The Vanguard diversified index fund, that one there, again, removing wholly. It is underperforming a little bit. It is a great low cost fund to have, but we are looking at, building in other areas. So it has done well over the past. Right now, it's not doing as well, and it's had a little bit of an issue.\n\nSo we'd like to remove it as underperforming and distribute the funds into other areas that we see growth coming from.\n\nChannel 1: Sure.\n\nChannel 0: We've got the cybersecurity in there. So the hack, that one has done really well. This year has been a little bit up and down with the markets. However, it is still a really good place to be invested. Essentially, this is giving you exposure to global cybersecurity.\n\nIt's also giving you exposure to tech and a little bit of AI as well. So we do see really good space in the market there, and the economists that we've been talking to are still wanting to keep that in place. They are sort of saying that this is an area of definite growth down the track. So we'll keep\n\nChannel 1: Okay.\n\nChannel 0: that in there and just keep watching the space and see what it's doing. But we are just rebalancing you a little bit. So we wanna hold 5% of this investment. You've currently got 5.80%. So we're just gonna sell a little\n\nChannel 1: Okay.\n\nChannel 0: bit off and rebalance you back there as well. Okay? Excellent. You've got the battery and lithium tech in there. This year has had a lot of ups and downs.\n\nWe are looking to remove that completely from the portfolio.\n\nChannel 1: Right.\n\nChannel 0: Essentially, this this particular year has had a lot of ups and downs that it has been performing quite nicely, but there are other ways to sort of hold a little bit of tech, and that's part of having the cybersecurity investment there for you as well. Okay?\n\nChannel 1: Sure.\n\nChannel 0: You've also got the e t the ETSS Morningstar global tech investment. Again, having had called a little bit of tech, but also holding some of the other investments also gives you exposure to tech companies. So we are just looking to remove this investment completely from the\n\nChannel 1: Okay.\n\nChannel 0: portfolio for you as well. You've also got in there the iShares Europe. That one is going to be solely removed as well. We're still keeping European exposure, but we have got another way to hold it. We've\n\nChannel 1: Sure.\n\nChannel 0: also got the S and P 500. Now this is essentially giving you access and exposure to the top 500 companies on The US. It can hold anywhere from 500 to 520 companies, and it is tracking the industry. So you are always tracking the top 500 companies.\n\nChannel 1: Right.\n\nChannel 0: So we wanna hold about 20% of this investment. It is still good. Has been a lot of ups and downs, but, realistically, you do get really good growth from The US market over the longer term. So we are just gonna rebalance you back slightly from 24% to 20% there. Okay?\n\nChannel 1: Sure.\n\nChannel 0: We've got the iShares Asia. This one hasn't really been doing what we wanted it to, so we are looking to remove that completely from the portfolio. Asia has been a little bit up and down. We still can see growth coming, but we'll just sort of monitor and see whether it's worth move moving back into the portfolio down the track. But for now, completely moving that from the portfolio for you.\n\nChannel 1: Sure.\n\nChannel 0: And then the Vanguard Australian fixed interest, this is defensive in nature. We do wanna keep fixed interest investments within there to keep that sort of growth allocation for you. However, this investment has been underperforming, so we don't wanna keep it in there anymore and wanna remove that and reinvest your fixed interest in other ways. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So what we're gonna do to buy in, and you'll see, we've removed quite a lot from the portfolio and rebalanced some areas. Underneath that, we have got the beta shares quality ETF. So India has been a little bit up and down, but, realistically, this investment gives Australian investors a target exposure to 30 high performing Indian companies, and they're selected for strong financial health. So it is a good place to be. They are still seeing growth within the Indian market, and we'll just keep watching that.\n\nThis is more of an a somatic ETF, so it is tracking a certain yeah. A a theme, essentially, with the Indian side of things. We'll keep monitoring that moving forward with you. If we find it's not performing the way we hope it does, then we'll definitely move it out of your portfolio for you. But,\n\nChannel 1: Sure.\n\nChannel 0: economists are predicting good things to come out of India, and it is still a good place to start investing at the moment. Okay?\n\nChannel 1: Okay. Sure.\n\nChannel 0: Underneath that, we've got global health care. This is giving you exposure to global health care. So across the entire globe, one of the really important things with a portfolio is diversification, and this helps to give you diversification by investing across the globe there within the health care space. This is not only looking at health care services, but it's also looking at the health care tech sector as well. So there's a lot of AI boom coming up in the health side of things, and this also looks to invest you in that area a little bit as well.\n\nChannel 1: K.\n\nChannel 0: Underneath that, we're keeping your Australian exposure. So, essentially, we are removing the bet along Australian equities because it has been underperforming, but we still wanna have you invested in the Australian market there. So this\n\nChannel 1: Mhmm.\n\nChannel 0: is good. We're investing you within the Raffy two hundred and the BetaShares Australian two hundred. Between these two investments, they are giving you exposure to essentially the top 200 to 400 different companies. They do invest in different things. Some of these do cross over a little bit, but we're just holding 1510%.\n\nSo it does give you some of the same sort of investments like a lot of banking. So they both technically hold BHP, bits of ANZ, Westpac, Woodside, National Australia Bank, and Woolworths, but they also have some small differences within them as well when you look at the lower side of things. So between that, it's giving you access and exposure to the top, technically, two to 400 companies on the Australian market. Both of these have seen really good growth, and we do still wanna hold that Australian exposure to replace that Bannalong Australian equities aspect as well. Okay?\n\nChannel 1: Sure.\n\nChannel 0: Excellent. The next one in there and the one thing I sort of wanted to keep with you that we talked about was making sure you still had a little bit of an active management component within your portfolio because that's what Benelon was meant to bring. So I've looked at\n\nChannel 1: Mhmm.\n\nChannel 0: holding the having some active management within your portfolio, but trying to make it as low cost as possible. So that's what this next investment is. It's a JPMorgan Global Research Enhanced Equity Fund. This is essentially giving you a it's part passive, part active. It's only a small percent active roundabouts, so the 10 to 15% active management.\n\nThe rest of it is essentially passive. It's a low cost fund, and they certainly find areas where there are fundamental insights, where they are able to build and add additional investments within their portfolio there, and it utilizes JPMorgan's research team to do that. So it's about having a little bit of active management in there to take on a little bit more risk and get, you know, greater potential returns, but also making sure we're diversifying. This is also global, so it is looking at the global, you know, the world over and also making sure essentially that, you know, you are low cost as much as possible. One of the things I wanted to look at was trying to reduce fees within your portfolio because your older portfolio was costing a little bit.\n\nSo\n\nChannel 1: Right.\n\nChannel 0: being able to reduce fees for you means that more money stays within your portfolio working harder for you. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Absolutely. Underneath that on the next page there, the last two that didn't quite fit, you've got the iShares Yield Plus and also the iShares Core composite bond. So these are essentially giving you access and exposure to defensive investments. Within that growth environment, we wanna see about 20% invested in defensive investments there. So this is essentially giving you access exposure to core composite bonds, which are great income producing and high yield shares, which, again, are really good for income production.\n\nWe wanna see income produced out of these investments. That way, the funds get paid into your cash account and reinvested for compounding, and that over longer term can support additional growth on top of, yeah, the the the growth side of things in your portfolio. I like to see a combination of growth as well as income to see that compounding work for you in your portfolio there.\n\nChannel 1: Yep.\n\nChannel 0: That is\n\nChannel 1: Sure.\n\nChannel 0: essentially an easy breakdown of each of those investments. Is there any questions or anything you wanted to delve into a little bit deeper?\n\nChannel 1: No. No. I think that's\n\nChannel 0: Mhmm.\n\nChannel 1: all fine. Because there is just okay. So this is more of a percentage. But because I just scrolled down a little bit. So the proposed asset allocation is based on percentage.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So with that, you're looking at page 23 at the moment where you've got the proposed asset allocation there. And the first column and second column essentially show where our our our risk portfolio should sit, essentially, what we're aiming for with regard to each of the existing and proposed investments. With your current, you currently have about 21.58% invested in Australian shares, 51.22 in Australia as a international equities. Property, nothing currently, and 11.80 in alternative growth assets.\n\nIt essentially gives you 84.60% growth. Within cash, about 3.10%, 12.30% within fixed interest, and nothing with defensive alternative status. So current defensive asset allocation is 15.40%. With the newer portfolio, we see the growth asset allocation dropped to about 80.98%, so a little bit more closer to the growth risk profile asset allocation there, and then 19\n\nChannel 1: Yep.\n\nChannel 0: point 03%. So bringing up the defensive asset allocation there, it's keeping you within that 80 sort of 20 split, but\n\nChannel 1: Yep.\n\nChannel 0: also making sure to increase the defensive component just slightly for income production and also to overall lower the risk portfolio just a little bit or the risk side of things a little bit for you.\n\nChannel 1: Yep. That makes sense.\n\nChannel 0: Yeah. Easy. If you scroll back up to page 19 for me, I can show you the cost size of things in the projection table there as well.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So the first column there outlines your current balance. It's got the current investment fees, admin fees, the ongoing service fee, the net contributions going in there, and, essentially, underneath there, the growth portfolio with the current five year rolling average. Hasn't really been performing the way we wanted it to, so moving things out and also the portfolio is really good to do. As I kinda mentioned before, one of the things I look at is the CGT consequences because just like you, your super fund does a tax return.\n\nAnd when we do switch or alter investments, your super fund has to account for capital gains. With making the switch that we've just gone through, the estimated capital gains is $647. So instead of having a $5,000 CDT consequence, I've been able to reduce it as much as possible to 647 by offsetting as much of the losses as possible against the gains for being able to switch\n\nChannel 1: Right.\n\nChannel 0: your portfolio, which is a positive thing.\n\nChannel 1: Yep.\n\nChannel 0: That essentially means that after the switch and after the CGT, the balance at the top there, the $3.61 is how much is expected to be within your super fund after the switch is being completed. Okay?\n\nChannel 1: Right. Cool.\n\nChannel 0: Underneath that, you've got your investment fees and also the admin fees. There's no change to admin fees because we're retaining a platform. However, investment fees do drop significantly. So we're saving about $1,301 in investment fees, which is great. That essentially means there's more\n\nChannel 1: Yep.\n\nChannel 0: money that stays invested in your super compounding harder for you. We also can expect the ongoing service fee for our services to drop and save you about $261 a year there as well, which is a positive thing.\n\nChannel 1: Go.\n\nChannel 0: Yeah. Contributions continue to go in at the same rate. You've got no insurance premiums coming out. However, keeping you in that growth asset allocation, the newer portfolio has averaged 10.18% on a yearly basis. If it can do what it has done over the past sort of five years, then we can sort of see where that's projected to put you over the next five to ten years, which does put you in a much better position, essentially.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Do you have any questions about that that table at all?\n\nChannel 1: No. No. That's fine, sir.\n\nChannel 0: Yes. Easy. Essentially, the only other side of things I wanted to go through was just with regard to the beneficiary side of things. That's down on page number 24. So just making sure your beneficiary nominations are completed, nominating a 100% of Candice in the event that anything does happen.\n\nIf you do need any assistance, please let us know. We're more than happy to help you to have that prefilled out. Just making sure that everything is dotted and sorted. That way, if in the event that anything was to happen, the claim would be much easier on her\n\nChannel 1: Yep.\n\nChannel 0: just to cover all your bases, essentially.\n\nChannel 1: Sure.\n\nChannel 0: I also do make a recommendation that you do speak to a solicitor and make sure a will and power of attorneys are definitely drawn up. You can also do them through the local trustee if you need it, which can be a little bit cheaper. And you can also get a a will kit from the post office to make it cheaper again. Just making sure they are filled out as per the instructions to make sure they are valid is the main main concern with those. Okay.\n\nChannel 1: Hello? Yep.\n\nChannel 0: Excellent. With the advice piece, this is all provided as part of our ongoing services to you, So there is no implementation fees involved. You just pay the ongoing service fee, which we estimate to be 5,800 for the year there. We'll make\n\nChannel 1: Yep.\n\nChannel 0: sure we do some reviews. Once you've got some time to go back and have a read to the document, because I know it can be a lot when I'm going through it with you. So you're welcome\n\nChannel 1: Yeah.\n\nChannel 0: to take some time. And it's early morning there. It's only 07:30, so I hope you've had your coffee at least.\n\nChannel 1: Yeah. No. I've I've I've been up since 06:30, so that's fine.\n\nChannel 0: Oh, you're good.\n\nChannel 1: The kid the kid gets up at 06:00 every morning, so I don't get\n\nChannel 0: I\n\nChannel 1: much of a choice.\n\nChannel 0: I understand that one. Essentially, with this one here, you're welcome to take it back. Have a read the document. If you do find you have any additional questions, please do let me know. If you do find that there are any that you're happy to go ahead with the recommendations, we just ask that you sign and return the document back, and we can have the implement and the implementation sorted for you.\n\nChannel 1: Yep.\n\nChannel 0: The switch does take about a week or two to complete. Most ETFs are sold very quickly and rebalanced out. It's just that the band the band along the managed fund can take a little bit longer, so it can take up to two weeks to kinda get that completely switched out. So just letting you know that. The only other things depending on how much you like to read, I've also got the financial services guide attached to the email, the product disclosure statements for you, and the appendices.\n\nAnd in the appendices, it also does have all the links for all the individual investment PDFs as well. So not\n\nChannel 1: Cool.\n\nChannel 0: everyone's that keen to read them, but you're welcome to open those up and have a bit of a look at the investments as well. And, again, if you do find you have any questions, you're welcome to come back and let me know. Okay?\n\nChannel 1: No problem.\n\nChannel 0: Easy. That is everything I just sorta needed to go through with you. Is there\n\nChannel 1: Sure.\n\nChannel 0: any questions or anything else that you might need from me at the moment or anything you wanted me to work on for you while you got me here or any major changes to your circumstances shortly? Or\n\nChannel 1: Kind of. So\n\nChannel 0: yeah.\n\nChannel 1: because of the whole capital gains tax thing,\n\nChannel 0: Yes.\n\nChannel 1: my parents have decided that the the best thing to redistribute their wealth is to give each of us a 100 k for investing not very investing, but putting into our super.\n\nChannel 0: Yep. Yep.\n\nChannel 1: I'm\n\nChannel 0: Mhmm.\n\nChannel 1: we're based on my wife's super. We're probably gonna limit\n\nChannel 0: Mhmm.\n\nChannel 1: a 150 for her and 50 for me.\n\nChannel 0: Yep.\n\nChannel 1: So there's gonna be basically a large sum of cash that's gonna be dropped into my super very shortly.\n\nChannel 0: Yep.\n\nChannel 1: My question was, what's the best way to deposit that? Would that be do we just do one lump sum or do we break it up and declare some as tax at, you\n\nChannel 0: Mhmm.\n\nChannel 1: know, under the the tax frame? Declaring it as a tax deduction?\n\nChannel 0: Yeah. Yeah. Absolutely. So what I would probably suggest you do just to make sure in your myGov account that you still have access to carry\n\nChannel 1: Yep.\n\nChannel 0: forward contributions that you're not exceeding the cap in any way, shape, or form. Essentially, with such large large sums of money, one of the things I like to sort of point out is if you put a 100 or your 50 k into super or a 150 k in all at one time, that money\n\nChannel 1: Yep.\n\nChannel 0: is invested all at one time. So, realistically, to take advantage of market reactions, dollar cost averaging tends to work out much better because you buy in regular amounts of money, and it's you're not sort of trying to time the market. You're just buying in. And when the market is down, you buy more investment options at a discounted rate, whereas when the market is higher, the same amount of money goes in and buys less units of the investments there. So, realistically, drip feeding the money in over a longer period of time is generally the best way to do that.\n\nIf\n\nChannel 1: Okay.\n\nChannel 0: you are wanting to claim a tax deduction on the money, doing it nonconcessioning to straight out of the bank account, and then at the end of the financial year, we claim a notice of intent for you the way we have previously.\n\nChannel 1: Yes.\n\nChannel 0: We'll allow you to then claim that money back as a tax deduction. Alternatively, depending on if you don't wanna claim it as a tax deduction, you just want the money to be a 100% invested, you can just leave it in there as a nonconcessional contribution. And nonconcessional caps are much higher. So at the moment, we're sitting at a 130,000 for this financial year in nonconcessional. The\n\nChannel 1: Okay.\n\nChannel 0: down yeah. The downside is that you can't claim well, if you don't claim a notice of intent, that money doesn't get it doesn't provide a tax deduction for you. The benefit\n\nChannel 1: Yeah.\n\nChannel 0: to non concessional contributions is that a 100% of that money is invested into the market. So there's no taxes deducted out of the funds once they hit the super fund, and it's all invested long term. And it does provide a boost to your tax free benefit within your super as well. So I'm happy to provide more personal financial advice for you if you would like to. I'll just need to maybe have another conversation with you, double check your catch up contributions as well, and then I could always do another advice document for you recommending how that money gets put in.\n\nOr if you're comfortable just with the information today and you know how you would like to have that put into your super, you're welcome to do so. But I would definitely make sure that you do both both of you check your your myGov to look at your carry forward concessional contributions for the past couple of years there as well to make sure you're not exceeding the caps in any way. And\n\nChannel 1: Yep.\n\nChannel 0: the other thing to consider is super balances do need to be under 500,000 as at the June 30 last financial year to be able to utilize the cap the carry forward contribution caps as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: your balance still hits that threshold, which is absolutely fine, but just\n\nChannel 1: Yep.\n\nChannel 0: making sure your wife does as well. But you're welcome to email me any additional questions or ask me anything extra that you might need. And if you would just like a more, you know, personalized advice, like an advice document on how best to put that money in and to make it work for you, I'm more than happy to come back and have another conversation, reassess your goals there, and provide a new advice document outlining what you would like to see there as well. Yeah.\n\nChannel 1: Okay. No. No. No. I think that's fine.\n\nBecause my my sister's my accountant, she handles our finances.\n\nChannel 0: Yeah.\n\nChannel 1: So,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, you you I'll have to have that conversation with her as well.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Cool. So thank you for\n\nChannel 0: Yeah.\n\nChannel 1: that.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Oh, good. Is no worries at all. That's everything I needed to go through. Do you have any additional questions or anything else that you might need from me currently, or that should be everything?\n\nChannel 1: No. That's everything.\n\nChannel 0: That's everything. Beautiful. Was it if there are any additional questions or anything else for me, please don't have a hesitate to let me know. In the meantime, take some time to read you the document there. And, yeah, thank you so much for allowing me to put this together for you.\n\nI hope you have a good day.\n\nChannel 1: K. Thanks. You too, Dana.\n\nChannel 0: Thanks, Ian. I'll talk to you soon.\n\nChannel 1: Hello there. See you.\n\nChannel 0: Thanks. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":5.04,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.03844731301069259},{"text":"This","start":5.3599997,"end":5.52,"sentiment":"neutral","sentiment_score":0.06550125777721405}],"sentiment":"neutral","sentiment_score":0.05197428539395332,"channel":1,"num_words":2,"start":5.04,"end":5.52},{"sentences":[{"text":"Hi,","start":5.3599997,"end":5.6,"sentiment":"neutral","sentiment_score":0.06468291580677032}],"sentiment":"neutral","sentiment_score":0.06468291580677032,"channel":0,"num_words":1,"start":5.3599997,"end":5.6},{"sentences":[{"text":"is","start":5.52,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.04870222508907318}],"sentiment":"neutral","sentiment_score":0.04870222508907318,"channel":1,"num_words":1,"start":5.52,"end":5.7599998},{"sentences":[{"text":"Ian.","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.0523274727165699}],"sentiment":"neutral","sentiment_score":0.0523274727165699,"channel":0,"num_words":1,"start":5.6,"end":6.1},{"sentences":[{"text":"Ian.","start":5.7599998,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.04955081269145012}],"sentiment":"neutral","sentiment_score":0.04955081269145012,"channel":1,"num_words":1,"start":5.7599998,"end":6.2599998},{"sentences":[{"text":"Hi, Ian.","start":6.48,"end":6.96,"sentiment":"neutral","sentiment_score":0.11480048671364784},{"text":"It's Dana from Oakview Financial again.","start":6.96,"end":8.72,"sentiment":"neutral","sentiment_score":0.17101330061753592},{"text":"Is now a better time there for you?","start":8.72,"end":10.66,"sentiment":"neutral","sentiment_score":0.22909550555050373}],"sentiment":"neutral","sentiment_score":0.1930278013460338,"channel":0,"num_words":16,"start":6.48,"end":10.66},{"sentences":[{"text":"Yeah.","start":10.88,"end":11.36,"sentiment":"neutral","sentiment_score":0.032362520694732666},{"text":"Yeah.","start":11.36,"end":11.599999,"sentiment":"neutral","sentiment_score":0.01007196307182312},{"text":"Sorry.","start":11.599999,"end":11.92,"sentiment":"neutral","sentiment_score":-0.026897817850112915},{"text":"I'm just connecting my headset,","start":11.92,"end":13.86,"sentiment":"neutral","sentiment_score":-0.028675543889403344}],"sentiment":"neutral","sentiment_score":-0.01598013169132173,"channel":1,"num_words":8,"start":10.88,"end":13.86},{"sentences":[{"text":"Yeah.","start":14.639999,"end":14.955,"sentiment":"neutral","sentiment_score":-0.0004558493383228779}],"sentiment":"neutral","sentiment_score":-0.0004558493383228779,"channel":0,"num_words":1,"start":14.639999,"end":14.955},{"sentences":[{"text":"which should be","start":14.719999,"end":15.405,"sentiment":"neutral","sentiment_score":0.010371246996025244}],"sentiment":"neutral","sentiment_score":0.010371246996025244,"channel":1,"num_words":3,"start":14.719999,"end":15.405},{"sentences":[{"text":"You're","start":15.515,"end":16.015,"sentiment":"neutral","sentiment_score":-0.01254504919052124}],"sentiment":"neutral","sentiment_score":-0.01254504919052124,"channel":0,"num_words":1,"start":15.515,"end":16.015},{"sentences":[{"text":"come on.","start":17.005001,"end":17.405,"sentiment":"neutral","sentiment_score":-0.013507509604096413},{"text":"What's going on here?","start":17.405,"end":18.625,"sentiment":"neutral","sentiment_score":0.005141916568391025}],"sentiment":"neutral","sentiment_score":-0.0010745588224381208,"channel":1,"num_words":6,"start":17.005001,"end":18.625},{"sentences":[{"text":"you're absolutely fine.","start":18.635,"end":20.255,"sentiment":"neutral","sentiment_score":0.1150801678498586}],"sentiment":"neutral","sentiment_score":0.1150801678498586,"channel":0,"num_words":3,"start":18.635,"end":20.255},{"sentences":[{"text":"Come on.","start":31.01,"end":39.73,"sentiment":"neutral","sentiment_score":0.06270156055688858},{"text":"You still there?","start":39.73,"end":40.63,"sentiment":"neutral","sentiment_score":0.027261536568403244}],"sentiment":"neutral","sentiment_score":0.04143754616379738,"channel":1,"num_words":5,"start":31.01,"end":40.63},{"sentences":[{"text":"Yeah.","start":40.865,"end":41.105,"sentiment":"neutral","sentiment_score":0.08514852821826935},{"text":"I can hear you perfectly.","start":41.105,"end":42.325,"sentiment":"neutral","sentiment_score":0.11090313345193863}],"sentiment":"neutral","sentiment_score":0.10661069924632709,"channel":0,"num_words":6,"start":40.865,"end":42.325},{"sentences":[{"text":"Okay.","start":42.21,"end":42.71,"sentiment":"neutral","sentiment_score":0.06584279239177704}],"sentiment":"neutral","sentiment_score":0.06584279239177704,"channel":1,"num_words":1,"start":42.21,"end":42.71},{"sentences":[{"text":"Can you hear me okay?","start":42.385,"end":43.525,"sentiment":"neutral","sentiment_score":0.03469414822757244}],"sentiment":"neutral","sentiment_score":0.03469414822757244,"channel":0,"num_words":5,"start":42.385,"end":43.525},{"sentences":[{"text":"You're Yes.","start":43.09,"end":44.425003,"sentiment":"neutral","sentiment_score":0.0627790316939354},{"text":"It's finally come through the headset now.","start":44.425003,"end":46.605,"sentiment":"neutral","sentiment_score":0.1515885325414794}],"sentiment":"neutral","sentiment_score":0.13185308790869182,"channel":1,"num_words":9,"start":43.09,"end":46.605},{"sentences":[{"text":"Fantastic.","start":46.785,"end":47.285,"sentiment":"positive","sentiment_score":0.668286919593811},{"text":"Ian, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":48.305,"end":52.785,"sentiment":"neutral","sentiment_score":0.30493520403450186},{"text":"Are you happy for me to proceed with that?","start":52.785,"end":54.84,"sentiment":"neutral","sentiment_score":0.306492590241962}],"sentiment":"neutral","sentiment_score":0.31672796001657844,"channel":0,"num_words":32,"start":46.785,"end":54.84},{"sentences":[{"text":"Sure.","start":56.105,"end":56.605,"sentiment":"neutral","sentiment_score":0.21847397089004517}],"sentiment":"neutral","sentiment_score":0.21847397089004517,"channel":1,"num_words":1,"start":56.105,"end":56.605},{"sentences":[{"text":"Fantastic.","start":57.08,"end":57.58,"sentiment":"positive","sentiment_score":0.4125179946422577},{"text":"And just to do a quick security check there for you.","start":57.72,"end":59.72,"sentiment":"neutral","sentiment_score":0.20091327753933994},{"text":"So just to confirm your full name, your date of birth, and address that you have on file?","start":59.72,"end":63.5,"sentiment":"neutral","sentiment_score":0.13606645911931992}],"sentiment":"neutral","sentiment_score":0.1690586770574252,"channel":0,"num_words":30,"start":57.08,"end":63.5},{"sentences":[{"text":"Ian Joseph Quadrio, 01/29/1980, Unit 2 Number 14, Kelso Crescent, Manning, WA.","start":64.479996,"end":71.7,"sentiment":"neutral","sentiment_score":0.03687502567966779}],"sentiment":"neutral","sentiment_score":0.03687502567966779,"channel":1,"num_words":12,"start":64.479996,"end":71.7},{"sentences":[{"text":"Beautiful.","start":71.895004,"end":72.395004,"sentiment":"positive","sentiment_score":0.5380815267562866},{"text":"Thank you so much for that.","start":72.935005,"end":73.975006,"sentiment":"positive","sentiment_score":0.6423702041308085},{"text":"And how's your week been so far?","start":73.975006,"end":75.755005,"sentiment":"neutral","sentiment_score":0.2838359411273684}],"sentiment":"positive","sentiment_score":0.4556538813880512,"channel":0,"num_words":14,"start":71.895004,"end":75.755005},{"sentences":[{"text":"Hectic.","start":77.265,"end":77.765,"sentiment":"neutral","sentiment_score":0.283324658870697}],"sentiment":"neutral","sentiment_score":0.283324658870697,"channel":1,"num_words":1,"start":77.265,"end":77.765},{"sentences":[{"text":"Understandable.","start":79.96,"end":80.46,"sentiment":"positive","sentiment_score":0.34688788652420044},{"text":"Hopefully, you have a good relaxing weekend ahead there.","start":80.6,"end":83.579994,"sentiment":"positive","sentiment_score":0.5177648994657729}],"sentiment":"positive","sentiment_score":0.5006771981716156,"channel":0,"num_words":10,"start":79.96,"end":83.579994},{"sentences":[{"text":"Oh, yeah.","start":84.385,"end":85.104996,"sentiment":"neutral","sentiment_score":0.11473891511559486},{"text":"Yeah.","start":85.104996,"end":85.425,"sentiment":"neutral","sentiment_score":0.08863109350204468},{"text":"Hopefully.","start":85.425,"end":85.925,"sentiment":"neutral","sentiment_score":0.11232718080282213},{"text":"Yeah.","start":86.465,"end":86.865,"sentiment":"neutral","sentiment_score":0.14187729358673096},{"text":"Yeah.","start":86.865,"end":87.025,"sentiment":"neutral","sentiment_score":0.2546996474266052}],"sentiment":"neutral","sentiment_score":0.13783550759156546,"channel":1,"num_words":6,"start":84.385,"end":87.025},{"sentences":[{"text":"Fantastic.","start":87.0,"end":87.5,"sentiment":"positive","sentiment_score":0.5482436418533325}],"sentiment":"positive","sentiment_score":0.5482436418533325,"channel":0,"num_words":1,"start":87.0,"end":87.5},{"sentences":[{"text":"I I've got a day off to myself.","start":87.025,"end":89.560005,"sentiment":"positive","sentiment_score":0.37901096791028976}],"sentiment":"positive","sentiment_score":0.37901096791028976,"channel":1,"num_words":8,"start":87.025,"end":89.560005},{"sentences":[{"text":"Oh, that'll be really nice.","start":90.439995,"end":91.975,"sentiment":"positive","sentiment_score":0.47960941195487977},{"text":"Ian, I've got the I sent the advice document through to you there.","start":91.975,"end":95.41499,"sentiment":"neutral","sentiment_score":0.11719426340781726},{"text":"Have you been able to jump into your emails and pull that one up at all?","start":95.41499,"end":98.795,"sentiment":"neutral","sentiment_score":0.0764880501665175}],"sentiment":"neutral","sentiment_score":0.15133474372765598,"channel":0,"num_words":34,"start":90.439995,"end":98.795},{"sentences":[{"text":"Yeah.","start":98.5,"end":98.98,"sentiment":"neutral","sentiment_score":-0.018686585128307343},{"text":"No.","start":98.98,"end":99.3,"sentiment":"neutral","sentiment_score":-0.05919130891561508},{"text":"No.","start":99.3,"end":99.46001,"sentiment":"neutral","sentiment_score":-0.0753045380115509},{"text":"I was in the car.","start":99.46001,"end":100.600006,"sentiment":"neutral","sentiment_score":-0.09791116863489151}],"sentiment":"neutral","sentiment_score":-0.08034228440374136,"channel":1,"num_words":8,"start":98.5,"end":100.600006},{"sentences":[{"text":"Oh, that's okay.","start":101.255,"end":102.295,"sentiment":"neutral","sentiment_score":0.002926614135503769},{"text":"Are you able to access your emails?","start":102.295,"end":103.975,"sentiment":"neutral","sentiment_score":0.0014909636229276657},{"text":"If you can't, that is fine.","start":103.975,"end":105.18,"sentiment":"neutral","sentiment_score":0.018057850655168295},{"text":"I'm able to run you through the recommendations and let you have a look at it later.","start":105.18,"end":108.46,"sentiment":"neutral","sentiment_score":0.13354989623322205},{"text":"What's easier for you?","start":108.46,"end":109.840004,"sentiment":"neutral","sentiment_score":0.07578527461737394}],"sentiment":"neutral","sentiment_score":0.07300143313871042,"channel":0,"num_words":37,"start":101.255,"end":109.840004},{"sentences":[{"text":"Yeah.","start":110.025,"end":110.505,"sentiment":"neutral","sentiment_score":0.02254408225417137},{"text":"Just give me a couple of seconds to set 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it.","start":479.07315,"end":479.63477,"sentiment":"neutral","sentiment_score":0.23205602169036865}],"sentiment":"neutral","sentiment_score":0.23205602169036865,"channel":0,"num_words":2,"start":479.07315,"end":479.63477},{"sentences":[{"text":"Sure.","start":479.54498,"end":480.04498,"sentiment":"neutral","sentiment_score":0.1591206043958664}],"sentiment":"neutral","sentiment_score":0.1591206043958664,"channel":1,"num_words":1,"start":479.54498,"end":480.04498},{"sentences":[{"text":"Okay?","start":479.63477,"end":479.9156,"sentiment":"neutral","sentiment_score":0.1873584091663361},{"text":"Excellent.","start":479.9156,"end":480.1964,"sentiment":"positive","sentiment_score":0.5536197423934937},{"text":"The next couple of pages outline the about you section to the information that we had on the previous fact line.","start":480.1964,"end":486.09348,"sentiment":"neutral","sentiment_score":0.15548151979843775},{"text":"We've also got your assets and liabilities 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to have, but we are looking at, building in other areas.","start":684.37,"end":689.75,"sentiment":"neutral","sentiment_score":0.1691897836410337},{"text":"So it has done well over the past.","start":689.81,"end":691.73,"sentiment":"neutral","sentiment_score":0.16025325004011393},{"text":"Right now, it's not doing as well, and it's had a little bit of an issue.","start":691.73,"end":695.56995,"sentiment":"neutral","sentiment_score":-0.20746739814057946}],"sentiment":"neutral","sentiment_score":-0.015546831602262239,"channel":0,"num_words":59,"start":678.925,"end":695.56995},{"sentences":[{"text":"So we'd like to remove it as underperforming and distribute the funds into other areas that we see growth coming 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invested.","start":709.915,"end":712.57495,"sentiment":"positive","sentiment_score":0.37563035637140274},{"text":"Essentially, this is giving you exposure to global cybersecurity.","start":713.33,"end":716.23,"sentiment":"neutral","sentiment_score":0.259110011988216}],"sentiment":"neutral","sentiment_score":0.1659467196635281,"channel":0,"num_words":48,"start":703.115,"end":716.23},{"sentences":[{"text":"It's also giving you exposure to tech and a little bit of AI as well.","start":716.61,"end":720.69,"sentiment":"neutral","sentiment_score":0.1940250833829244},{"text":"So we do see really good space in the market there, and the economists that we've been talking to are still wanting to keep that in place.","start":720.69,"end":727.51,"sentiment":"neutral","sentiment_score":0.2641117655568653},{"text":"They are sort of saying that this is an area of definite growth down the track.","start":727.755,"end":731.275,"sentiment":"neutral","sentiment_score":0.1560721485875547},{"text":"So we'll keep","start":731.275,"end":732.075,"sentiment":"neutral","sentiment_score":0.12210063636302948}],"sentiment":"neutral","sentiment_score":0.2115549214306425,"channel":0,"num_words":61,"start":716.61,"end":732.075},{"sentences":[{"text":"Okay.","start":731.865,"end":732.365,"sentiment":"neutral","sentiment_score":0.11333298683166504}],"sentiment":"neutral","sentiment_score":0.11333298683166504,"channel":1,"num_words":1,"start":731.865,"end":732.365},{"sentences":[{"text":"that in there and just keep watching the space and see what it's doing.","start":732.075,"end":735.215,"sentiment":"neutral","sentiment_score":0.12160734779068402},{"text":"But we are just rebalancing you a little bit.","start":735.515,"end":737.675,"sentiment":"neutral","sentiment_score":0.018352497576011553},{"text":"So we wanna hold 5% of this investment.","start":737.675,"end":740.075,"sentiment":"neutral","sentiment_score":0.05025195796042681},{"text":"You've currently got 5.80%.","start":740.075,"end":742.48004,"sentiment":"neutral","sentiment_score":0.06225619092583656},{"text":"So we're just gonna sell a little","start":742.48004,"end":743.92004,"sentiment":"neutral","sentiment_score":0.015880933297531947}],"sentiment":"neutral","sentiment_score":0.0626162454219801,"channel":0,"num_words":42,"start":732.075,"end":743.92004},{"sentences":[{"text":"Okay.","start":743.92,"end":744.42,"sentiment":"neutral","sentiment_score":0.0030203070491552353}],"sentiment":"neutral","sentiment_score":0.0030203070491552353,"channel":1,"num_words":1,"start":743.92,"end":744.42},{"sentences":[{"text":"bit off and rebalance you back there as well.","start":743.92004,"end":746.24005,"sentiment":"neutral","sentiment_score":0.004762182426121499},{"text":"Okay?","start":746.24005,"end":746.74005,"sentiment":"neutral","sentiment_score":0.0532463863492012},{"text":"Excellent.","start":747.60004,"end":748.08,"sentiment":"neutral","sentiment_score":0.26229456067085266},{"text":"You've got the battery and lithium tech in there.","start":748.08,"end":750.24005,"sentiment":"neutral","sentiment_score":0.08077674938572778},{"text":"This year has had a lot of ups and downs.","start":750.24005,"end":752.88,"sentiment":"neutral","sentiment_score":-0.1016301728785038}],"sentiment":"neutral","sentiment_score":0.0023029868180553118,"channel":0,"num_words":30,"start":743.92004,"end":752.88},{"sentences":[{"text":"We are looking to remove that completely from the portfolio.","start":752.88,"end":755.62,"sentiment":"neutral","sentiment_score":-0.17081202417612076}],"sentiment":"neutral","sentiment_score":-0.17081202417612076,"channel":0,"num_words":10,"start":752.88,"end":755.62},{"sentences":[{"text":"Right.","start":756.48,"end":756.98,"sentiment":"neutral","sentiment_score":-0.02150878310203552}],"sentiment":"neutral","sentiment_score":-0.02150878310203552,"channel":1,"num_words":1,"start":756.48,"end":756.98},{"sentences":[{"text":"Essentially, this this particular year has had a lot of ups and downs that it has been performing quite nicely, but there are other ways to sort of hold a little bit of tech, and that's part of having the cybersecurity investment there for you as well.","start":756.725,"end":769.285,"sentiment":"neutral","sentiment_score":0.0887388813289556},{"text":"Okay?","start":769.285,"end":769.785,"sentiment":"neutral","sentiment_score":0.01620345003902912}],"sentiment":"neutral","sentiment_score":0.08722772651041548,"channel":0,"num_words":48,"start":756.725,"end":769.785},{"sentences":[{"text":"Sure.","start":769.715,"end":770.19,"sentiment":"neutral","sentiment_score":0.1787109076976776}],"sentiment":"neutral","sentiment_score":0.1787109076976776,"channel":1,"num_words":1,"start":769.715,"end":770.19},{"sentences":[{"text":"You've also got the e t the ETSS Morningstar global tech investment.","start":770.84,"end":775.24005,"sentiment":"neutral","sentiment_score":0.0902685367812713},{"text":"Again, having had called a little bit of tech, but also holding some of the other investments also gives you exposure to tech companies.","start":775.24005,"end":781.5,"sentiment":"neutral","sentiment_score":0.0012531063208977382},{"text":"So we are just looking to remove this investment completely from the","start":781.56006,"end":785.025,"sentiment":"neutral","sentiment_score":-0.1541147530078888}],"sentiment":"neutral","sentiment_score":-0.015335000896205505,"channel":0,"num_words":48,"start":770.84,"end":785.025},{"sentences":[{"text":"Okay.","start":785.00494,"end":785.50494,"sentiment":"neutral","sentiment_score":-0.04240543395280838}],"sentiment":"neutral","sentiment_score":-0.04240543395280838,"channel":1,"num_words":1,"start":785.00494,"end":785.50494},{"sentences":[{"text":"portfolio for you as well.","start":785.185,"end":786.565,"sentiment":"neutral","sentiment_score":0.0053704407066106795},{"text":"You've also got in there the iShares Europe.","start":787.265,"end":789.765,"sentiment":"neutral","sentiment_score":0.02228834619745612},{"text":"That one is going to be solely removed as well.","start":790.385,"end":792.945,"sentiment":"neutral","sentiment_score":0.005953079275786877},{"text":"We're still keeping European 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companies, and it is tracking the industry.","start":804.64,"end":809.68005,"sentiment":"neutral","sentiment_score":0.14628857870896658},{"text":"So you are always tracking the top 500 companies.","start":809.68005,"end":812.34,"sentiment":"neutral","sentiment_score":0.15928128361701965}],"sentiment":"neutral","sentiment_score":0.1478805203611652,"channel":0,"num_words":48,"start":797.60004,"end":812.34},{"sentences":[{"text":"Right.","start":812.96,"end":813.345,"sentiment":"neutral","sentiment_score":0.1446491181850433}],"sentiment":"neutral","sentiment_score":0.1446491181850433,"channel":1,"num_words":1,"start":812.96,"end":813.345},{"sentences":[{"text":"So we wanna hold about 20% of this investment.","start":813.035,"end":816.175,"sentiment":"neutral","sentiment_score":0.23326771623558468},{"text":"It is still good.","start":816.71497,"end":817.595,"sentiment":"positive","sentiment_score":0.5229517742991447},{"text":"Has been a lot of ups and downs, but, realistically, you do get really good growth from The US market over the longer term.","start":817.595,"end":823.675,"sentiment":"neutral","sentiment_score":0.19527701133241257},{"text":"So we are just gonna rebalance you back slightly from 24% to 20% there.","start":823.675,"end":829.02,"sentiment":"neutral","sentiment_score":0.08654221067471164},{"text":"Okay?","start":829.08,"end":829.58,"sentiment":"neutral","sentiment_score":0.08463270962238312}],"sentiment":"neutral","sentiment_score":0.19565554758390555,"channel":0,"num_words":52,"start":813.035,"end":829.58},{"sentences":[{"text":"Sure.","start":829.48,"end":829.98,"sentiment":"neutral","sentiment_score":0.07682143151760101}],"sentiment":"neutral","sentiment_score":0.07682143151760101,"channel":1,"num_words":1,"start":829.48,"end":829.98},{"sentences":[{"text":"We've got the iShares Asia.","start":830.68,"end":832.28,"sentiment":"neutral","sentiment_score":0.00903333953465335},{"text":"This one hasn't really been doing what we wanted it to, so we are 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you.","start":847.865,"end":851.165,"sentiment":"neutral","sentiment_score":-0.052304176783019844}],"sentiment":"neutral","sentiment_score":-0.11706431326974655,"channel":0,"num_words":73,"start":830.68,"end":851.165},{"sentences":[{"text":"Sure.","start":851.065,"end":851.565,"sentiment":"neutral","sentiment_score":0.05803915858268738}],"sentiment":"neutral","sentiment_score":0.05803915858268738,"channel":1,"num_words":1,"start":851.065,"end":851.565},{"sentences":[{"text":"And then the Vanguard Australian fixed interest, this is defensive in nature.","start":851.84,"end":856.02,"sentiment":"neutral","sentiment_score":0.04824319606026014},{"text":"We do wanna keep fixed interest investments within there to keep that sort of growth allocation for you.","start":856.24005,"end":862.34,"sentiment":"neutral","sentiment_score":0.13212608049313226},{"text":"However, this investment has been underperforming, so we don't wanna keep it in there anymore and wanna remove that and reinvest your fixed interest in other ways.","start":862.72003,"end":871.08496,"sentiment":"neutral","sentiment_score":-0.09224427995030526},{"text":"Okay?","start":871.225,"end":871.725,"sentiment":"neutral","sentiment_score":0.0425725057721138}],"sentiment":"neutral","sentiment_score":0.008778702564023692,"channel":0,"num_words":58,"start":851.84,"end":871.725},{"sentences":[{"text":"Yeah.","start":871.59,"end":872.09,"sentiment":"neutral","sentiment_score":0.06698121875524521},{"text":"Yep.","start":872.23,"end":872.73,"sentiment":"neutral","sentiment_score":0.10465916991233826}],"sentiment":"neutral","sentiment_score":0.08582019433379173,"channel":1,"num_words":2,"start":871.59,"end":872.73},{"sentences":[{"text":"So what we're gonna do to buy in, and you'll see, we've removed quite a lot from the portfolio and rebalanced some areas.","start":873.38495,"end":879.64496,"sentiment":"neutral","sentiment_score":0.03823852101745813},{"text":"Underneath that, we have got the beta shares quality ETF.","start":880.24005,"end":883.2,"sentiment":"neutral","sentiment_score":0.18710128217935562},{"text":"So India has been a little bit up and down, but, realistically, this investment gives Australian investors a target exposure to 30 high performing Indian companies, and they're selected for strong financial health.","start":883.2,"end":893.84,"sentiment":"neutral","sentiment_score":0.3129724738272754},{"text":"So it is a good place to be.","start":893.84,"end":895.775,"sentiment":"positive","sentiment_score":0.7771564796566963},{"text":"They are still seeing growth within the Indian market, and we'll just keep watching that.","start":895.775,"end":899.715,"sentiment":"positive","sentiment_score":0.5256774167219798}],"sentiment":"neutral","sentiment_score":0.3054045340402073,"channel":0,"num_words":89,"start":873.38495,"end":899.715},{"sentences":[{"text":"This is more of an a somatic ETF, so it is tracking a certain 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moment.","start":916.47003,"end":922.49005,"sentiment":"positive","sentiment_score":0.39394213064857153},{"text":"Okay?","start":922.55005,"end":923.05005,"sentiment":"neutral","sentiment_score":0.16208630800247192}],"sentiment":"positive","sentiment_score":0.3842814713716507,"channel":0,"num_words":24,"start":916.47003,"end":923.05005},{"sentences":[{"text":"Okay.","start":923.04,"end":923.54,"sentiment":"neutral","sentiment_score":0.18710026144981384},{"text":"Sure.","start":923.92,"end":924.42,"sentiment":"neutral","sentiment_score":0.20619109272956848}],"sentiment":"neutral","sentiment_score":0.19664567708969116,"channel":1,"num_words":2,"start":923.04,"end":924.42},{"sentences":[{"text":"Underneath that, we've got global health care.","start":924.59503,"end":926.435,"sentiment":"neutral","sentiment_score":0.1231587188584464},{"text":"This is giving you exposure to global health 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invest in different things.","start":977.2,"end":978.72,"sentiment":"neutral","sentiment_score":0.2024665574232737},{"text":"Some of these do cross over a little bit, but we're just holding 1510%.","start":978.72,"end":983.015,"sentiment":"neutral","sentiment_score":0.1840266569384507}],"sentiment":"neutral","sentiment_score":0.22681840136647224,"channel":0,"num_words":54,"start":965.44,"end":983.015},{"sentences":[{"text":"So it does give you some of the same sort of investments like a lot of banking.","start":983.015,"end":987.195,"sentiment":"neutral","sentiment_score":0.2998117206289488},{"text":"So they both technically hold BHP, bits of ANZ, Westpac, Woodside, National Australia Bank, and Woolworths, but they also have some small differences within them as well when you look at the lower side of things.","start":987.255,"end":999.18,"sentiment":"neutral","sentiment_score":0.07039920664909813},{"text":"So between that, it's giving you access and exposure to the top, technically, 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bring.","start":1018.565,"end":1029.23,"sentiment":"neutral","sentiment_score":0.25077858372874884},{"text":"So I've looked at","start":1029.23,"end":1030.03,"sentiment":"neutral","sentiment_score":0.09585965983569622}],"sentiment":"neutral","sentiment_score":0.2482226179803119,"channel":0,"num_words":51,"start":1017.125,"end":1030.03},{"sentences":[{"text":"Mhmm.","start":1029.92,"end":1030.42,"sentiment":"neutral","sentiment_score":0.09007689356803894}],"sentiment":"neutral","sentiment_score":0.09007689356803894,"channel":1,"num_words":1,"start":1029.92,"end":1030.42},{"sentences":[{"text":"holding the having some active management within your portfolio, but trying to make it as low cost as possible.","start":1030.03,"end":1035.89,"sentiment":"neutral","sentiment_score":0.15950605861450495},{"text":"So that's what this next investment is.","start":1036.43,"end":1038.35,"sentiment":"neutral","sentiment_score":0.22325019325528825},{"text":"It's a JPMorgan Global Research Enhanced 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that.","start":1052.505,"end":1067.64,"sentiment":"positive","sentiment_score":0.42295129048196894},{"text":"So it's about having a little bit of active management in there to take on a little bit more risk and get, you know, greater potential returns, but also making sure we're diversifying.","start":1067.64,"end":1075.7749,"sentiment":"positive","sentiment_score":0.35945532809604297},{"text":"This is also global, so it is looking at the global, you know, the world over and also making sure essentially that, you know, you are low cost as much as possible.","start":1076.075,"end":1086.97,"sentiment":"positive","sentiment_score":0.38742019701749086},{"text":"One of the things I wanted to look at was trying to reduce fees within your portfolio because your older portfolio was costing a little bit.","start":1086.97,"end":1093.31,"sentiment":"neutral","sentiment_score":0.12092942973742118}],"sentiment":"neutral","sentiment_score":0.32912078357356434,"channel":0,"num_words":136,"start":1050.825,"end":1093.31},{"sentences":[{"text":"So","start":1093.53,"end":1093.6901,"sentiment":"neutral","sentiment_score":0.2634693384170532}],"sentiment":"neutral","sentiment_score":0.2634693384170532,"channel":0,"num_words":1,"start":1093.53,"end":1093.6901},{"sentences":[{"text":"Right.","start":1093.5901,"end":1094.0901,"sentiment":"neutral","sentiment_score":0.32496923208236694}],"sentiment":"neutral","sentiment_score":0.32496923208236694,"channel":1,"num_words":1,"start":1093.5901,"end":1094.0901},{"sentences":[{"text":"being able to reduce fees for you means that more money stays within your portfolio working harder for you.","start":1093.6901,"end":1099.025,"sentiment":"positive","sentiment_score":0.38221952789708186},{"text":"Does that make sense?","start":1099.025,"end":1100.085,"sentiment":"neutral","sentiment_score":0.2915087044239044}],"sentiment":"positive","sentiment_score":0.3664437325104423,"channel":0,"num_words":23,"start":1093.6901,"end":1100.085},{"sentences":[{"text":"Yes.","start":1100.3251,"end":1100.8251,"sentiment":"positive","sentiment_score":0.4142487645149231}],"sentiment":"positive","sentiment_score":0.4142487645149231,"channel":1,"num_words":1,"start":1100.3251,"end":1100.8251},{"sentences":[{"text":"Absolutely.","start":1101.505,"end":1102.005,"sentiment":"neutral","sentiment_score":-0.005428350064903498},{"text":"Underneath that on the next page there, the last two that didn't quite fit, you've got the iShares Yield Plus and also the iShares Core composite bond.","start":1102.945,"end":1110.78,"sentiment":"neutral","sentiment_score":0.041211089947157435},{"text":"So these are essentially giving you access and exposure to defensive investments.","start":1110.78,"end":1114.64,"sentiment":"neutral","sentiment_score":0.3315451939900716},{"text":"Within that growth environment, we wanna see about 20% invested in defensive investments there.","start":1115.02,"end":1120.62,"sentiment":"neutral","sentiment_score":0.21142003472362245},{"text":"So this is essentially giving you access exposure to core composite bonds, which are great income producing and high yield shares, which, again, are really good for income production.","start":1120.62,"end":1130.275,"sentiment":"positive","sentiment_score":0.5636198808406961}],"sentiment":"neutral","sentiment_score":0.29386349923976035,"channel":0,"num_words":83,"start":1101.505,"end":1130.275},{"sentences":[{"text":"We wanna see income produced out of these investments.","start":1130.575,"end":1133.235,"sentiment":"positive","sentiment_score":0.5838899678654141},{"text":"That way, the funds get paid into your cash account and reinvested for compounding, and that over longer term can support additional growth on top of, yeah, the the the growth side of things in your portfolio.","start":1133.775,"end":1145.79,"sentiment":"positive","sentiment_score":0.6214442776667105},{"text":"I like to see a combination of growth as well as income to see that compounding work for you in your portfolio there.","start":1146.01,"end":1153.005,"sentiment":"positive","sentiment_score":0.696345936992894}],"sentiment":"positive","sentiment_score":0.6415131092071533,"channel":0,"num_words":69,"start":1130.575,"end":1153.005},{"sentences":[{"text":"Yep.","start":1153.0,"end":1153.48,"sentiment":"positive","sentiment_score":0.33532047271728516}],"sentiment":"positive","sentiment_score":0.33532047271728516,"channel":1,"num_words":1,"start":1153.0,"end":1153.48},{"sentences":[{"text":"That is","start":1153.165,"end":1153.485,"sentiment":"positive","sentiment_score":0.3398782014846802}],"sentiment":"positive","sentiment_score":0.3398782014846802,"channel":0,"num_words":2,"start":1153.165,"end":1153.485},{"sentences":[{"text":"Sure.","start":1153.48,"end":1153.98,"sentiment":"positive","sentiment_score":0.4371048212051392}],"sentiment":"positive","sentiment_score":0.4371048212051392,"channel":1,"num_words":1,"start":1153.48,"end":1153.98},{"sentences":[{"text":"essentially an easy breakdown of each of those investments.","start":1153.485,"end":1156.385,"sentiment":"positive","sentiment_score":0.38214359680811566},{"text":"Is there any questions or anything you wanted to delve into a little bit deeper?","start":1156.445,"end":1160.145,"sentiment":"neutral","sentiment_score":0.16935793807109198}],"sentiment":"neutral","sentiment_score":0.24915256009747586,"channel":0,"num_words":24,"start":1153.485,"end":1160.145},{"sentences":[{"text":"No.","start":1162.535,"end":1162.935,"sentiment":"neutral","sentiment_score":-0.06333409249782562},{"text":"No.","start":1162.935,"end":1163.255,"sentiment":"neutral","sentiment_score":-0.09121190011501312},{"text":"I think that's","start":1163.255,"end":1163.895,"sentiment":"neutral","sentiment_score":-0.08896483729283015}],"sentiment":"neutral","sentiment_score":-0.08428810089826584,"channel":1,"num_words":5,"start":1162.535,"end":1163.895},{"sentences":[{"text":"Mhmm.","start":1163.805,"end":1164.305,"sentiment":"neutral","sentiment_score":-0.01018658746033907}],"sentiment":"neutral","sentiment_score":-0.01018658746033907,"channel":0,"num_words":1,"start":1163.805,"end":1164.305},{"sentences":[{"text":"all fine.","start":1163.895,"end":1164.635,"sentiment":"neutral","sentiment_score":0.14208627492189407},{"text":"Because there is just okay.","start":1171.49,"end":1173.4099,"sentiment":"neutral","sentiment_score":0.08587099611759186},{"text":"So this is more of a percentage.","start":1173.4099,"end":1175.51,"sentiment":"neutral","sentiment_score":0.02643901695098196},{"text":"But because I just scrolled down a little bit.","start":1176.45,"end":1178.21,"sentiment":"neutral","sentiment_score":0.018544972977704473},{"text":"So the proposed asset allocation is based on 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there.","start":1184.095,"end":1189.875,"sentiment":"neutral","sentiment_score":0.08730057764210199},{"text":"And the first column and second column essentially show where our our our risk portfolio should sit, essentially, what we're aiming for with regard to each of the existing and proposed investments.","start":1189.935,"end":1200.4,"sentiment":"neutral","sentiment_score":0.15433295164257288},{"text":"With your current, you currently have about 21.58% invested in Australian shares, 51.22 in Australia as a international equities.","start":1200.86,"end":1209.76,"sentiment":"neutral","sentiment_score":0.15476297744010625},{"text":"Property, nothing currently, and 11.80 in alternative growth assets.","start":1210.465,"end":1215.205,"sentiment":"neutral","sentiment_score":0.1600569784641266}],"sentiment":"neutral","sentiment_score":0.13826283239759504,"channel":0,"num_words":80,"start":1183.295,"end":1215.205},{"sentences":[{"text":"It essentially gives you 84.60% growth.","start":1215.825,"end":1219.445,"sentiment":"positive","sentiment_score":0.349811131755511},{"text":"Within cash, about 3.10%, 12.30% within fixed interest, and nothing with defensive alternative status.","start":1219.825,"end":1226.96,"sentiment":"neutral","sentiment_score":0.10625199813927923},{"text":"So current defensive asset allocation is 15.40%.","start":1226.96,"end":1231.46,"sentiment":"neutral","sentiment_score":0.053745305963924954},{"text":"With the newer portfolio, we see the growth asset allocation dropped to about 80.98%, so a little bit more closer to the growth risk profile asset allocation there, and then 19","start":1231.6799,"end":1242.495,"sentiment":"neutral","sentiment_score":-0.1519592115955968}],"sentiment":"neutral","sentiment_score":-0.012898683676431918,"channel":0,"num_words":58,"start":1215.825,"end":1242.495},{"sentences":[{"text":"Yep.","start":1242.16,"end":1242.495,"sentiment":"neutral","sentiment_score":0.035139650106430054}],"sentiment":"neutral","sentiment_score":0.035139650106430054,"channel":1,"num_words":1,"start":1242.16,"end":1242.495},{"sentences":[{"text":"point 03%.","start":1242.495,"end":1243.615,"sentiment":"neutral","sentiment_score":-0.0012552952393889427},{"text":"So bringing up the defensive asset allocation there, it's keeping you within that 80 sort of 20 split, but","start":1243.615,"end":1249.78,"sentiment":"neutral","sentiment_score":0.22273675077839902}],"sentiment":"neutral","sentiment_score":0.2014041749671811,"channel":0,"num_words":21,"start":1242.495,"end":1249.78},{"sentences":[{"text":"Yep.","start":1249.695,"end":1250.195,"sentiment":"positive","sentiment_score":0.379302978515625}],"sentiment":"positive","sentiment_score":0.379302978515625,"channel":1,"num_words":1,"start":1249.695,"end":1250.195},{"sentences":[{"text":"also making sure to increase the defensive component just slightly for income production and also to overall lower the risk portfolio just a little bit or the risk side of things a little bit for you.","start":1249.78,"end":1260.04,"sentiment":"neutral","sentiment_score":0.3252508056660493}],"sentiment":"neutral","sentiment_score":0.3252508056660493,"channel":0,"num_words":36,"start":1249.78,"end":1260.04},{"sentences":[{"text":"Yep.","start":1260.12,"end":1260.6,"sentiment":"neutral","sentiment_score":0.19880762696266177},{"text":"That makes sense.","start":1260.6,"end":1261.58,"sentiment":"neutral","sentiment_score":0.25905399521191913}],"sentiment":"neutral","sentiment_score":0.2439924031496048,"channel":1,"num_words":4,"start":1260.12,"end":1261.58},{"sentences":[{"text":"Yeah.","start":1261.4601,"end":1261.785,"sentiment":"neutral","sentiment_score":0.25892284512519836},{"text":"Easy.","start":1262.025,"end":1262.425,"sentiment":"neutral","sentiment_score":0.2879236042499542},{"text":"If you scroll back up to page 19 for me, I can show you the cost size of things in the projection table there as 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average.","start":1275.305,"end":1285.87,"sentiment":"neutral","sentiment_score":0.1732352119870484},{"text":"Hasn't really been performing the way we wanted it to, so moving things out and also the portfolio is really good to do.","start":1286.01,"end":1291.87,"sentiment":"neutral","sentiment_score":0.3004410464478576},{"text":"As I kinda mentioned before, one of the things I look at is the CGT consequences because just like you, your super fund does a tax return.","start":1292.6951,"end":1299.415,"sentiment":"neutral","sentiment_score":0.10479882607857387}],"sentiment":"neutral","sentiment_score":0.20023112177200938,"channel":0,"num_words":92,"start":1271.145,"end":1299.415},{"sentences":[{"text":"And when we do switch or alter investments, your super fund has to account for capital gains.","start":1299.415,"end":1304.635,"sentiment":"neutral","sentiment_score":0.06553755043184056},{"text":"With making the switch that we've just gone through, the estimated capital gains is 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thing.","start":1323.315,"end":1325.415,"sentiment":"positive","sentiment_score":0.6166605651378632}],"sentiment":"positive","sentiment_score":0.6166605651378632,"channel":0,"num_words":7,"start":1323.315,"end":1325.415},{"sentences":[{"text":"Yep.","start":1326.085,"end":1326.585,"sentiment":"positive","sentiment_score":0.33596140146255493}],"sentiment":"positive","sentiment_score":0.33596140146255493,"channel":1,"num_words":1,"start":1326.085,"end":1326.585},{"sentences":[{"text":"That essentially means that after the switch and after the CGT, the balance at the top there, the $3.61 is how much is expected to be within your super fund after the switch is being completed.","start":1326.4349,"end":1336.9349,"sentiment":"neutral","sentiment_score":0.24878433843453726},{"text":"Okay?","start":1337.075,"end":1337.575,"sentiment":"neutral","sentiment_score":0.12698909640312195}],"sentiment":"neutral","sentiment_score":0.2454925751363909,"channel":0,"num_words":37,"start":1326.4349,"end":1337.575},{"sentences":[{"text":"Right.","start":1337.525,"end":1338.025,"sentiment":"neutral","sentiment_score":0.21407991647720337},{"text":"Cool.","start":1338.245,"end":1338.745,"sentiment":"positive","sentiment_score":0.3957035839557648}],"sentiment":"neutral","sentiment_score":0.30489175021648407,"channel":1,"num_words":2,"start":1337.525,"end":1338.745},{"sentences":[{"text":"Underneath that, you've got your investment fees and also the admin fees.","start":1338.97,"end":1342.4099,"sentiment":"neutral","sentiment_score":0.21566391860445341},{"text":"There's no change to admin fees because we're retaining a platform.","start":1342.4099,"end":1345.39,"sentiment":"neutral","sentiment_score":0.2493389519778165},{"text":"However, investment fees do drop significantly.","start":1345.9299,"end":1348.51,"sentiment":"neutral","sentiment_score":0.2517397155364354},{"text":"So we're saving about $1,301 in investment fees, which is great.","start":1348.89,"end":1353.375,"sentiment":"positive","sentiment_score":0.5411365519870411},{"text":"That essentially means there's more","start":1353.855,"end":1355.135,"sentiment":"positive","sentiment_score":0.3501555025577545}],"sentiment":"neutral","sentiment_score":0.32320918606387244,"channel":0,"num_words":45,"start":1338.97,"end":1355.135},{"sentences":[{"text":"Yep.","start":1355.125,"end":1355.625,"sentiment":"neutral","sentiment_score":0.27571815252304077}],"sentiment":"neutral","sentiment_score":0.27571815252304077,"channel":1,"num_words":1,"start":1355.125,"end":1355.625},{"sentences":[{"text":"money that stays invested in your super compounding harder for you.","start":1355.135,"end":1358.755,"sentiment":"positive","sentiment_score":0.34406430612910877},{"text":"We also can expect the ongoing service fee for our services to drop and save you about $261 a year there as well, which is a positive thing.","start":1359.055,"end":1367.635,"sentiment":"positive","sentiment_score":0.5399690440722874}],"sentiment":"positive","sentiment_score":0.48471386157549345,"channel":0,"num_words":39,"start":1355.135,"end":1367.635},{"sentences":[{"text":"Go.","start":1368.085,"end":1368.585,"sentiment":"neutral","sentiment_score":0.2029223740100861}],"sentiment":"neutral","sentiment_score":0.2029223740100861,"channel":1,"num_words":1,"start":1368.085,"end":1368.585},{"sentences":[{"text":"Yeah.","start":1369.1901,"end":1369.6901,"sentiment":"neutral","sentiment_score":0.19711148738861084},{"text":"Contributions continue to go in at the same rate.","start":1369.91,"end":1372.31,"sentiment":"neutral","sentiment_score":0.22265373667081198},{"text":"You've got no insurance premiums coming out.","start":1372.31,"end":1374.79,"sentiment":"neutral","sentiment_score":0.23242346729551042},{"text":"However, keeping you in that growth asset allocation, the newer portfolio has averaged 10.18% on a yearly basis.","start":1374.79,"end":1381.53,"sentiment":"positive","sentiment_score":0.4816209094391929},{"text":"If it can do what it has done over the past sort of five years, then we can sort of see where that's projected to put you over the next five to ten years, which does put you in a much better position, 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all?","start":1395.02,"end":1398.16,"sentiment":"neutral","sentiment_score":0.039354848421432755}],"sentiment":"neutral","sentiment_score":0.042564821584771075,"channel":0,"num_words":12,"start":1394.46,"end":1398.16},{"sentences":[{"text":"No.","start":1398.29,"end":1398.61,"sentiment":"neutral","sentiment_score":-0.020853854715824127},{"text":"No.","start":1398.61,"end":1398.85,"sentiment":"neutral","sentiment_score":-0.012109782546758652},{"text":"That's fine, sir.","start":1398.85,"end":1399.99,"sentiment":"neutral","sentiment_score":0.09917316089073817}],"sentiment":"neutral","sentiment_score":0.05291116908192635,"channel":1,"num_words":5,"start":1398.29,"end":1399.99},{"sentences":[{"text":"Yes.","start":1400.22,"end":1400.72,"sentiment":"neutral","sentiment_score":0.2661541700363159},{"text":"Easy.","start":1400.78,"end":1401.28,"sentiment":"neutral","sentiment_score":0.30395644903182983},{"text":"Essentially, the only other side of things I wanted to go through was just with regard to the beneficiary side of things.","start":1401.9,"end":1407.26,"sentiment":"neutral","sentiment_score":0.13094623471525582},{"text":"That's down on page number 24.","start":1407.26,"end":1408.94,"sentiment":"neutral","sentiment_score":0.09888481224576633},{"text":"So just making sure your beneficiary nominations are completed, nominating a 100% of Candice in the event that anything does happen.","start":1408.94,"end":1415.825,"sentiment":"neutral","sentiment_score":0.2079913467168808}],"sentiment":"neutral","sentiment_score":0.1649422536731935,"channel":0,"num_words":51,"start":1400.22,"end":1415.825},{"sentences":[{"text":"If you do need any assistance, please let us know.","start":1416.445,"end":1418.6849,"sentiment":"neutral","sentiment_score":0.152588901668787},{"text":"We're more than happy to help you to have that prefilled out.","start":1418.6849,"end":1421.52,"sentiment":"positive","sentiment_score":0.5585766037305196},{"text":"Just making sure that everything is dotted and sorted.","start":1421.6,"end":1424.8,"sentiment":"positive","sentiment_score":0.4123336308532291},{"text":"That way, if in the event that anything was to happen, the claim would be much easier on her","start":1424.8,"end":1429.54,"sentiment":"positive","sentiment_score":0.4411330803444511}],"sentiment":"positive","sentiment_score":0.40642678931355475,"channel":0,"num_words":50,"start":1416.445,"end":1429.54},{"sentences":[{"text":"Yep.","start":1430.13,"end":1430.63,"sentiment":"neutral","sentiment_score":0.2843102812767029}],"sentiment":"neutral","sentiment_score":0.2843102812767029,"channel":1,"num_words":1,"start":1430.13,"end":1430.63},{"sentences":[{"text":"just to cover all your bases, essentially.","start":1430.16,"end":1432.26,"sentiment":"neutral","sentiment_score":0.29549845840249744}],"sentiment":"neutral","sentiment_score":0.29549845840249744,"channel":0,"num_words":7,"start":1430.16,"end":1432.26},{"sentences":[{"text":"Sure.","start":1433.01,"end":1433.51,"sentiment":"neutral","sentiment_score":0.2568294107913971}],"sentiment":"neutral","sentiment_score":0.2568294107913971,"channel":1,"num_words":1,"start":1433.01,"end":1433.51},{"sentences":[{"text":"I also do make a recommendation that you do speak to a solicitor and make sure a will and power of attorneys are definitely drawn up.","start":1433.04,"end":1439.975,"sentiment":"neutral","sentiment_score":0.26647516454641634},{"text":"You can also do them through the local trustee if you need it, which can be a little bit cheaper.","start":1439.975,"end":1444.475,"sentiment":"neutral","sentiment_score":0.2895160913467407},{"text":"And you can also get a a will kit from the post office to make it cheaper again.","start":1445.015,"end":1449.48,"sentiment":"neutral","sentiment_score":0.2838973336749607},{"text":"Just making sure they are filled out as per the instructions to make sure they are valid is the main main concern with those.","start":1449.62,"end":1455.88,"sentiment":"neutral","sentiment_score":0.16583809598038593},{"text":"Okay.","start":1456.1,"end":1456.6,"sentiment":"neutral","sentiment_score":0.10034562647342682}],"sentiment":"neutral","sentiment_score":0.24617177574487215,"channel":0,"num_words":89,"start":1433.04,"end":1456.6},{"sentences":[{"text":"Hello?","start":1456.105,"end":1456.605,"sentiment":"neutral","sentiment_score":0.10064330697059631},{"text":"Yep.","start":1457.3099,"end":1457.8099,"sentiment":"neutral","sentiment_score":0.3144358992576599}],"sentiment":"neutral","sentiment_score":0.2075396031141281,"channel":1,"num_words":2,"start":1456.105,"end":1457.8099},{"sentences":[{"text":"Excellent.","start":1457.94,"end":1458.44,"sentiment":"positive","sentiment_score":0.5728518962860107},{"text":"With the advice piece, this is all provided as part of our ongoing services to you, So there is no implementation fees involved.","start":1459.0599,"end":1466.385,"sentiment":"neutral","sentiment_score":0.30143018131670746},{"text":"You just pay the ongoing service fee, which we estimate to be 5,800 for the year there.","start":1466.4451,"end":1471.8251,"sentiment":"neutral","sentiment_score":0.3013848662376404},{"text":"We'll make","start":1472.045,"end":1472.3651,"sentiment":"neutral","sentiment_score":0.22957655787467957}],"sentiment":"neutral","sentiment_score":0.3043823699618495,"channel":0,"num_words":43,"start":1457.94,"end":1472.3651},{"sentences":[{"text":"Yep.","start":1472.2699,"end":1472.715,"sentiment":"neutral","sentiment_score":0.19917242228984833}],"sentiment":"neutral","sentiment_score":0.19917242228984833,"channel":1,"num_words":1,"start":1472.2699,"end":1472.715},{"sentences":[{"text":"sure we do some reviews.","start":1472.3651,"end":1473.665,"sentiment":"neutral","sentiment_score":0.20504461824893952},{"text":"Once you've got some time to go back and have a read to the document, because I know it can be a lot when I'm going through it with you.","start":1474.045,"end":1480.08,"sentiment":"neutral","sentiment_score":0.16965285663803417},{"text":"So you're welcome","start":1480.08,"end":1480.7999,"sentiment":"neutral","sentiment_score":0.28513965010643005}],"sentiment":"neutral","sentiment_score":0.18342704580802666,"channel":0,"num_words":38,"start":1472.3651,"end":1480.7999},{"sentences":[{"text":"Yeah.","start":1480.5549,"end":1481.0549,"sentiment":"neutral","sentiment_score":0.2294296771287918}],"sentiment":"neutral","sentiment_score":0.2294296771287918,"channel":1,"num_words":1,"start":1480.5549,"end":1481.0549},{"sentences":[{"text":"to take some time.","start":1480.7999,"end":1481.52,"sentiment":"neutral","sentiment_score":0.18288906291127205},{"text":"And it's early morning there.","start":1481.52,"end":1482.7999,"sentiment":"neutral","sentiment_score":0.12056751698255538},{"text":"It's only 07:30, so I hope you've had your coffee at 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and we can have the implement and the implementation sorted for you.","start":1508.87,"end":1518.73,"sentiment":"neutral","sentiment_score":0.3096467202529311}],"sentiment":"neutral","sentiment_score":0.19241477146341995,"channel":0,"num_words":74,"start":1498.4149,"end":1518.73},{"sentences":[{"text":"Yep.","start":1519.05,"end":1519.55,"sentiment":"neutral","sentiment_score":0.1565227210521698}],"sentiment":"neutral","sentiment_score":0.1565227210521698,"channel":1,"num_words":1,"start":1519.05,"end":1519.55},{"sentences":[{"text":"The switch does take about a week or two to complete.","start":1519.085,"end":1521.665,"sentiment":"neutral","sentiment_score":0.0940959094600244},{"text":"Most ETFs are sold very quickly and rebalanced out.","start":1522.205,"end":1525.725,"sentiment":"neutral","sentiment_score":0.07011764268908235},{"text":"It's just that the band the band along the managed fund can take a little bit longer, so it can take up to two weeks to kinda get that completely 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know.","start":1558.0349,"end":1562.195,"sentiment":"neutral","sentiment_score":0.19351180133066678},{"text":"Okay?","start":1562.195,"end":1562.695,"sentiment":"neutral","sentiment_score":0.1484527438879013}],"sentiment":"neutral","sentiment_score":0.19204577431082726,"channel":0,"num_words":45,"start":1552.6749,"end":1562.695},{"sentences":[{"text":"No problem.","start":1562.455,"end":1563.195,"sentiment":"neutral","sentiment_score":0.2557993307709694}],"sentiment":"neutral","sentiment_score":0.2557993307709694,"channel":1,"num_words":2,"start":1562.455,"end":1563.195},{"sentences":[{"text":"Easy.","start":1564.26,"end":1564.76,"sentiment":"neutral","sentiment_score":0.3076591491699219},{"text":"That is everything I just sorta needed to go through with you.","start":1565.2201,"end":1568.4401,"sentiment":"neutral","sentiment_score":0.25488689665993053},{"text":"Is 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previously.","start":1706.1901,"end":1717.4951,"sentiment":"neutral","sentiment_score":0.19642742671245753}],"sentiment":"neutral","sentiment_score":0.19642742671245753,"channel":0,"num_words":43,"start":1706.1901,"end":1717.4951},{"sentences":[{"text":"Yes.","start":1717.4401,"end":1717.9401,"sentiment":"positive","sentiment_score":0.3937106728553772}],"sentiment":"positive","sentiment_score":0.3937106728553772,"channel":1,"num_words":1,"start":1717.4401,"end":1717.9401},{"sentences":[{"text":"We'll allow you to then claim that money back as a tax deduction.","start":1718.3551,"end":1721.655,"sentiment":"positive","sentiment_score":0.3611600949214055},{"text":"Alternatively, depending on if you don't wanna claim it as a tax deduction, you just want the money to be a 100% invested, you can just leave it in there as a nonconcessional contribution.","start":1723.555,"end":1733.0701,"sentiment":"neutral","sentiment_score":0.19827223010361195},{"text":"And nonconcessional caps are much higher.","start":1733.6901,"end":1736.01,"sentiment":"neutral","sentiment_score":-0.14883243044217428},{"text":"So at the moment, we're sitting at a 130,000 for this financial year in nonconcessional.","start":1736.01,"end":1740.51,"sentiment":"neutral","sentiment_score":0.04773473391930262},{"text":"The","start":1741.85,"end":1742.0901,"sentiment":"neutral","sentiment_score":-0.004272878170013428}],"sentiment":"neutral","sentiment_score":0.16311725515170375,"channel":0,"num_words":69,"start":1718.3551,"end":1742.0901},{"sentences":[{"text":"Okay.","start":1742.0,"end":1742.5,"sentiment":"neutral","sentiment_score":-0.007599247619509697}],"sentiment":"neutral","sentiment_score":-0.007599247619509697,"channel":1,"num_words":1,"start":1742.0,"end":1742.5},{"sentences":[{"text":"down yeah.","start":1742.0901,"end":1743.05,"sentiment":"neutral","sentiment_score":-0.10044899955391884},{"text":"The downside is that you can't claim well, if you don't claim a notice of intent, that money doesn't get it doesn't provide a tax deduction for you.","start":1743.05,"end":1752.395,"sentiment":"negative","sentiment_score":-0.3853553890117577},{"text":"The benefit","start":1752.395,"end":1753.035,"sentiment":"neutral","sentiment_score":0.04048232175409794}],"sentiment":"negative","sentiment_score":-0.3409338827477768,"channel":0,"num_words":32,"start":1742.0901,"end":1753.035},{"sentences":[{"text":"Yeah.","start":1752.825,"end":1753.325,"sentiment":"neutral","sentiment_score":0.25350481271743774}],"sentiment":"neutral","sentiment_score":0.25350481271743774,"channel":1,"num_words":1,"start":1752.825,"end":1753.325},{"sentences":[{"text":"to non concessional contributions is that a 100% of that money is invested into the market.","start":1753.035,"end":1758.255,"sentiment":"positive","sentiment_score":0.4003593400120735},{"text":"So there's no taxes deducted out of the funds once they hit the super fund, and it's all invested long term.","start":1758.3151,"end":1764.53,"sentiment":"positive","sentiment_score":0.5040350357691447},{"text":"And it does provide a boost to your tax free benefit within your super as well.","start":1764.53,"end":1769.17,"sentiment":"positive","sentiment_score":0.7642552740871906},{"text":"So I'm happy to provide more personal financial advice for you if you would like to.","start":1769.17,"end":1775.17,"sentiment":"positive","sentiment_score":0.7433901019394398},{"text":"I'll just need to maybe have another conversation with you, double check your catch up contributions as well, and then I could always do another advice document for you recommending how that money gets put in.","start":1775.17,"end":1785.665,"sentiment":"positive","sentiment_score":0.3477769018047386}],"sentiment":"positive","sentiment_score":0.510788377835637,"channel":0,"num_words":105,"start":1753.035,"end":1785.665},{"sentences":[{"text":"Or if you're comfortable just with the information today and you know how you would like to have that put into your super, you're welcome to do so.","start":1785.665,"end":1792.71,"sentiment":"positive","sentiment_score":0.4021312583770071},{"text":"But I would definitely make sure that you do both both of you check your your myGov to look at your carry forward concessional contributions for the past couple of years there as well to make sure you're not exceeding the caps in any way.","start":1792.7899,"end":1805.13,"sentiment":"neutral","sentiment_score":0.20186391704612308},{"text":"And","start":1805.475,"end":1805.595,"sentiment":"neutral","sentiment_score":0.062010712921619415}],"sentiment":"neutral","sentiment_score":0.2757508407372075,"channel":0,"num_words":74,"start":1785.665,"end":1805.595},{"sentences":[{"text":"Yep.","start":1805.52,"end":1806.02,"sentiment":"neutral","sentiment_score":0.08483627438545227}],"sentiment":"neutral","sentiment_score":0.08483627438545227,"channel":1,"num_words":1,"start":1805.52,"end":1806.02},{"sentences":[{"text":"the other thing to consider is super balances do need to be under 500,000 as at the June 30 last financial year to be able to utilize the cap the carry forward contribution caps as well.","start":1805.595,"end":1816.995,"sentiment":"neutral","sentiment_score":0.08361229186670648}],"sentiment":"neutral","sentiment_score":0.08361229186670648,"channel":0,"num_words":36,"start":1805.595,"end":1816.995},{"sentences":[{"text":"Yeah.","start":1816.685,"end":1817.185,"sentiment":"neutral","sentiment_score":0.1025017872452736}],"sentiment":"neutral","sentiment_score":0.1025017872452736,"channel":1,"num_words":1,"start":1816.685,"end":1817.185},{"sentences":[{"text":"So","start":1816.995,"end":1817.495,"sentiment":"neutral","sentiment_score":0.1342165470123291}],"sentiment":"neutral","sentiment_score":0.1342165470123291,"channel":0,"num_words":1,"start":1816.995,"end":1817.495},{"sentences":[{"text":"Yeah.","start":1817.405,"end":1817.905,"sentiment":"neutral","sentiment_score":0.23207461833953855}],"sentiment":"neutral","sentiment_score":0.23207461833953855,"channel":1,"num_words":1,"start":1817.405,"end":1817.905},{"sentences":[{"text":"your balance still hits that threshold, which is absolutely fine, but just","start":1817.635,"end":1822.02,"sentiment":"neutral","sentiment_score":0.3224676052729289}],"sentiment":"neutral","sentiment_score":0.3224676052729289,"channel":0,"num_words":12,"start":1817.635,"end":1822.02},{"sentences":[{"text":"Yep.","start":1821.9701,"end":1822.4701,"sentiment":"neutral","sentiment_score":0.30710452795028687}],"sentiment":"neutral","sentiment_score":0.30710452795028687,"channel":1,"num_words":1,"start":1821.9701,"end":1822.4701},{"sentences":[{"text":"making sure your wife does as well.","start":1822.02,"end":1823.7001,"sentiment":"positive","sentiment_score":0.36012449860572815},{"text":"But you're welcome to email me any additional questions or ask me anything extra that you might need.","start":1823.7001,"end":1829.0,"sentiment":"positive","sentiment_score":0.3698832293351491},{"text":"And if you would just like a more, you know, personalized advice, like an advice document on how best to put that money in and to make it work for you, I'm more than happy to come back and have another conversation, reassess your goals there, and provide a new advice document outlining what you would like to see there as well.","start":1829.3,"end":1846.01,"sentiment":"positive","sentiment_score":0.4697445741584224},{"text":"Yeah.","start":1846.31,"end":1846.81,"sentiment":"neutral","sentiment_score":0.09266779571771622}],"sentiment":"positive","sentiment_score":0.4363136478615078,"channel":0,"num_words":88,"start":1822.02,"end":1846.81},{"sentences":[{"text":"Okay.","start":1847.74,"end":1848.0599,"sentiment":"neutral","sentiment_score":0.0564873032271862},{"text":"No.","start":1848.0599,"end":1848.38,"sentiment":"neutral","sentiment_score":-0.042821843177080154},{"text":"No.","start":1848.38,"end":1848.62,"sentiment":"neutral","sentiment_score":-0.11738871783018112},{"text":"No.","start":1848.62,"end":1848.7799,"sentiment":"neutral","sentiment_score":-0.1542690098285675},{"text":"I think that's fine.","start":1848.7799,"end":1849.84,"sentiment":"neutral","sentiment_score":0.06523273140192032}],"sentiment":"neutral","sentiment_score":0.00036733224987983704,"channel":1,"num_words":8,"start":1847.74,"end":1849.84},{"sentences":[{"text":"Because my my sister's my accountant, she handles our finances.","start":1850.14,"end":1855.0399,"sentiment":"neutral","sentiment_score":0.15361338555812837}],"sentiment":"neutral","sentiment_score":0.15361338555812837,"channel":1,"num_words":10,"start":1850.14,"end":1855.0399},{"sentences":[{"text":"Yeah.","start":1854.95,"end":1855.1901,"sentiment":"neutral","sentiment_score":0.21411588788032532}],"sentiment":"neutral","sentiment_score":0.21411588788032532,"channel":0,"num_words":1,"start":1854.95,"end":1855.1901},{"sentences":[{"text":"So,","start":1855.1799,"end":1855.34,"sentiment":"positive","sentiment_score":0.4521898329257965}],"sentiment":"positive","sentiment_score":0.4521898329257965,"channel":1,"num_words":1,"start":1855.1799,"end":1855.34},{"sentences":[{"text":"Beautiful.","start":1855.1901,"end":1855.6901,"sentiment":"positive","sentiment_score":0.4690902829170227}],"sentiment":"positive","sentiment_score":0.4690902829170227,"channel":0,"num_words":1,"start":1855.1901,"end":1855.6901},{"sentences":[{"text":"yeah, you you I'll have to have that conversation with her as well.","start":1855.34,"end":1858.72,"sentiment":"neutral","sentiment_score":0.15828741972263044}],"sentiment":"neutral","sentiment_score":0.15828741972263044,"channel":1,"num_words":13,"start":1855.34,"end":1858.72},{"sentences":[{"text":"Yeah.","start":1859.165,"end":1859.5651,"sentiment":"neutral","sentiment_score":0.33304154872894287},{"text":"Beautiful.","start":1859.5651,"end":1860.0651,"sentiment":"positive","sentiment_score":0.7809265851974487}],"sentiment":"positive","sentiment_score":0.5569840669631958,"channel":0,"num_words":2,"start":1859.165,"end":1860.0651},{"sentences":[{"text":"Cool.","start":1861.405,"end":1861.7251,"sentiment":"positive","sentiment_score":0.7489302158355713},{"text":"So thank you for","start":1861.7251,"end":1862.6051,"sentiment":"positive","sentiment_score":0.6826491504907608}],"sentiment":"positive","sentiment_score":0.6959053635597229,"channel":1,"num_words":5,"start":1861.405,"end":1862.6051},{"sentences":[{"text":"Yeah.","start":1862.525,"end":1863.025,"sentiment":"positive","sentiment_score":0.36136895418167114}],"sentiment":"positive","sentiment_score":0.36136895418167114,"channel":0,"num_words":1,"start":1862.525,"end":1863.025},{"sentences":[{"text":"that.","start":1862.6051,"end":1863.1051,"sentiment":"positive","sentiment_score":0.5033559799194336}],"sentiment":"positive","sentiment_score":0.5033559799194336,"channel":1,"num_words":1,"start":1862.6051,"end":1863.1051},{"sentences":[{"text":"That's okay.","start":1863.485,"end":1864.305,"sentiment":"positive","sentiment_score":0.43479982018470764}],"sentiment":"positive","sentiment_score":0.43479982018470764,"channel":0,"num_words":2,"start":1863.485,"end":1864.305},{"sentences":[{"text":"Yeah.","start":1864.045,"end":1864.545,"sentiment":"neutral","sentiment_score":0.2801104784011841},{"text":"Alright.","start":1867.645,"end":1868.145,"sentiment":"positive","sentiment_score":0.35062694549560547}],"sentiment":"neutral","sentiment_score":0.3153687119483948,"channel":1,"num_words":2,"start":1864.045,"end":1868.145},{"sentences":[{"text":"Oh, good.","start":1867.645,"end":1868.365,"sentiment":"positive","sentiment_score":0.3980676829814911},{"text":"Is no worries at all.","start":1868.365,"end":1869.5651,"sentiment":"positive","sentiment_score":0.3752310752868652},{"text":"That's everything I needed to go through.","start":1869.5651,"end":1871.085,"sentiment":"positive","sentiment_score":0.4157780110836029},{"text":"Do you have any additional questions or anything else that you might need from me currently, or that should be everything?","start":1871.085,"end":1876.3201,"sentiment":"neutral","sentiment_score":0.10380150892195247}],"sentiment":"neutral","sentiment_score":0.22178767163838659,"channel":0,"num_words":35,"start":1867.645,"end":1876.3201},{"sentences":[{"text":"No.","start":1876.61,"end":1876.85,"sentiment":"neutral","sentiment_score":-0.017589926719665527},{"text":"That's everything.","start":1876.85,"end":1877.59,"sentiment":"neutral","sentiment_score":0.13286594301462173}],"sentiment":"neutral","sentiment_score":0.08271398643652599,"channel":1,"num_words":3,"start":1876.61,"end":1877.59},{"sentences":[{"text":"That's everything.","start":1877.9801,"end":1878.7001,"sentiment":"positive","sentiment_score":0.3783881366252899},{"text":"Beautiful.","start":1878.7001,"end":1879.02,"sentiment":"positive","sentiment_score":0.7231464385986328},{"text":"Was it if there are any additional questions or anything else for me, please don't have a hesitate to let me know.","start":1879.02,"end":1883.7401,"sentiment":"neutral","sentiment_score":0.2436959956857291},{"text":"In the meantime, take some time to read you the document there.","start":1883.7401,"end":1886.565,"sentiment":"neutral","sentiment_score":0.1942003077516953},{"text":"And, yeah, thank you so much for allowing me to put this together for you.","start":1886.965,"end":1889.6849,"sentiment":"positive","sentiment_score":0.7627190391222636}],"sentiment":"positive","sentiment_score":0.3963927672459529,"channel":0,"num_words":52,"start":1877.9801,"end":1889.6849},{"sentences":[{"text":"I hope you have a good day.","start":1889.6849,"end":1891.1449,"sentiment":"positive","sentiment_score":0.7187318972178868}],"sentiment":"positive","sentiment_score":0.7187318972178868,"channel":0,"num_words":7,"start":1889.6849,"end":1891.1449},{"sentences":[{"text":"K.","start":1891.0751,"end":1891.155,"sentiment":"neutral","sentiment_score":0.20426487922668457},{"text":"Thanks.","start":1891.155,"end":1891.635,"sentiment":"positive","sentiment_score":0.6204299330711365},{"text":"You too, Dana.","start":1891.635,"end":1892.4551,"sentiment":"positive","sentiment_score":0.4872974753379822}],"sentiment":"positive","sentiment_score":0.4573174476623535,"channel":1,"num_words":5,"start":1891.0751,"end":1892.4551},{"sentences":[{"text":"Thanks, Ian.","start":1892.965,"end":1893.605,"sentiment":"positive","sentiment_score":0.6280147433280945},{"text":"I'll talk to you soon.","start":1893.605,"end":1894.745,"sentiment":"positive","sentiment_score":0.4687191486358643}],"sentiment":"positive","sentiment_score":0.5142321756907872,"channel":0,"num_words":7,"start":1892.965,"end":1894.745},{"sentences":[{"text":"Hello there.","start":1894.755,"end":1895.3151,"sentiment":"neutral","sentiment_score":0.24513033777475357},{"text":"See you.","start":1895.3151,"end":1895.9751,"sentiment":"positive","sentiment_score":0.34132397174835205}],"sentiment":"neutral","sentiment_score":0.2932271547615528,"channel":1,"num_words":4,"start":1894.755,"end":1895.9751},{"sentences":[{"text":"Thanks.","start":1895.9249,"end":1896.325,"sentiment":"positive","sentiment_score":0.5707542896270752},{"text":"See you later.","start":1896.325,"end":1896.8849,"sentiment":"positive","sentiment_score":0.4125574330488841},{"text":"Bye.","start":1896.8849,"end":1897.3849,"sentiment":"neutral","sentiment_score":0.21959754824638367}],"sentiment":"positive","sentiment_score":0.4056048274040222,"channel":0,"num_words":5,"start":1895.9249,"end":1897.3849},{"sentences":[{"text":"Bye.","start":1896.995,"end":1897.495,"sentiment":"neutral","sentiment_score":-0.1193334311246872}],"sentiment":"neutral","sentiment_score":-0.1193334311246872,"channel":1,"num_words":1,"start":1896.995,"end":1897.495}]},"summary":{"result":"success","short":"The representative from Oakview Financial, Dana, discusses the call with Ian and the advice document with him. They emphasize the importance of personal and retirement goals, emphasizing the need for a hub 24 platform and maintaining capital gains for the company. The speaker recommends a full sell-down of the portfolio and emphasizes the importance of maintaining capital gains for the company's super fund. They also discuss the investment portfolio and personal financial advice for the customer. The speaker emphasizes the importance of diversification in investing across the globe and provides personal financial advice for the customer. They recommend a combination of growth and income for the portfolio and emphasize the importance of reducing risk and increasing the defensive component of the investment portfolio. The speaker emphasizes the need for a will kit and the importance of maintaining capital gains for the company's super fund. They also provide personal financial advice for the customer and offer a new advice document."},"intents":{"segments":[{"text":"Ian, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Sure. Fantastic.","start_word":71,"end_word":103,"intents":[{"intent":"Record calls","confidence_score":0.011904629}]},{"text":"But, yeah, I could always resend it if you like to see if it comes through on the PC reason.","start_word":385,"end_word":404,"intents":[{"intent":"Resend document","confidence_score":0.20432295}]},{"text":"see the document there, there is that button to sign in order to to press to sign to move forward. I will Yep. never ask you to sign anything you haven't read. It's just so you can review the document there, and you'll be able to go back and review that after the call there as well. Okay?","start_word":439,"end_word":496,"intents":[{"intent":"Review document","confidence_score":0.9696649},{"intent":"Review document","confidence_score":0.4080343},{"intent":"Review document","confidence_score":0.20430747},{"intent":"Review document","confidence_score":0.20973556}]},{"text":"Moving forward throughout the document, we have the best interest, Judy. Just letting you know that any advice we do provide is meant to be essentially looking after your goals and working towards your long term goals. So we do what we do. We go to the point of doing reviews, looking at your goals, and then providing advice to help you achieve those goals down the track there. Yes.","start_word":618,"end_word":687,"intents":[{"intent":"Provide advice","confidence_score":0.47995773},{"intent":"Provide guidance","confidence_score":0.052563816}]},{"text":"I've also considered the estate planning side of things. So we talked about sending out your beneficiary nominations, and my team has sent those out. Have you received those as of yet?","start_word":819,"end_word":850,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.01711829}]},{"text":"And then also scopes out anything to do with the personal travel and the cash flow side around that. You're wanting to take a trip to The US in 2032, and you are working towards that goal currently. So advice for us would be around cash flow and budgeting and saving and things like that. We're Yep.","start_word":1246,"end_word":1302,"intents":[{"intent":"Discuss personal insurance and personal travel","confidence_score":0.006788635},{"intent":"Discuss personal travel and cash flow","confidence_score":0.15808448}]},{"text":"am recommending that you do retain the hub 24 platform. There Right.","start_word":1455,"end_word":1466,"intents":[{"intent":"Recommend using a third platform","confidence_score":5.514691e-7},{"intent":"Recommend holding a second platform","confidence_score":0.000037761583},{"intent":"Discuss the potential of holding a new platform","confidence_score":0.00021602749}]},{"text":"I wanted to look at doing was altering your portfolio to keep things working towards your goals, but minimizing the tax consequences as much as possible for your super fund. Okay? Go. Go.","start_word":1558,"end_word":1590,"intents":[{"intent":"Streamline portfolio management","confidence_score":0.000644184}]},{"text":"The Bannalong Australian Equities, this was an actively managed portion of your super fund. This has been underperforming. The investment itself has had some issues within their fund and the investments that they're investing in, And, therefore, it is underperforming and holding your super back a little bit, so I am removing that completely from your super fund there as well. Okay?","start_word":1932,"end_word":1993,"intents":[{"intent":"Remove from super fund","confidence_score":0.0012845312}]},{"text":"This has been underperforming. The investment itself has had some issues within their fund and the investments that they're investing in, And, therefore, it is underperforming and holding your super back a little bit, so I am removing that completely from your super fund there as well. Okay?","start_word":1945,"end_word":1992,"intents":[{"intent":"Remove underperforming investment","confidence_score":0.07667163}]},{"text":"We've got the cybersecurity in there. So the hack, that one has done really well. This year has been a little bit up and down with the markets. However, it is still a really good place to be invested. Essentially, this is giving you exposure to global cybersecurity. It's also giving you exposure to tech and a little bit of AI as well.","start_word":2075,"end_word":2137,"intents":[{"intent":"Discuss cybersecurity investment","confidence_score":0.04265861}]},{"text":"But we are just rebalancing you a little bit. So we wanna hold 5% of this investment. You've currently got 5.80%. So we're just gonna sell a little Okay. bit off and rebalance you back there as well. Okay?","start_word":2199,"end_word":2237,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.016791422}]},{"text":"So we are just looking to remove this investment completely from the Okay.","start_word":2354,"end_word":2366,"intents":[{"intent":"Remove investment from portfolio","confidence_score":0.072991095}]},{"text":"So we wanna hold about 20% of this investment. It is still good. Has been a lot of ups and downs, but, realistically, you do get really good growth from The US market over the longer term. So we are just gonna rebalance you back slightly from 24% to 20% there. Okay? Sure.","start_word":2455,"end_word":2507,"intents":[{"intent":"Monitor investment performance","confidence_score":0.09621362},{"intent":"Assess portfolio value","confidence_score":0.000117564916}]},{"text":"And then the Vanguard Australian fixed interest, this is defensive in nature. We do wanna keep fixed interest investments within there to keep that sort of growth allocation for you. However, this investment has been underperforming, so we don't wanna keep it in there anymore and wanna remove that and reinvest your fixed interest in other ways. Okay? Yeah.","start_word":2582,"end_word":2640,"intents":[{"intent":"Reinvest fixed interest in other investments","confidence_score":0.0064350073}]},{"text":"Underneath that, we've got global health care. This is giving you exposure to global health care. So across the entire globe, one of the really important things with a portfolio is diversification, and this helps to give you diversification by investing across the globe there within the health care space.","start_word":2815,"end_word":2864,"intents":[{"intent":"Evaluate investment diversification","confidence_score":0.07479135}]},{"text":"So they both technically hold BHP, bits of ANZ, Westpac, Woodside, National Australia Bank, and Woolworths, but they also have some small differences within them as well when you look at the lower side of things.","start_word":3026,"end_word":3061,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.019014202}]},{"text":"essentially an easy breakdown of each of those investments. Is there any questions or anything you wanted to delve into a little bit deeper? No. No.","start_word":3539,"end_word":3564,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.04987917}]},{"text":"If you scroll back up to page 19 for me, I can show you the cost size of things in the projection table there as well.","start_word":3806,"end_word":3831,"intents":[{"intent":"Calculate portfolio cost","confidence_score":0.0028799244}]},{"text":"Do you have any questions about that that table at all? No. No.","start_word":4209,"end_word":4221,"intents":[{"intent":"Provide information","confidence_score":0.010648885}]},{"text":"If you do need any assistance, please let us know. We're more than happy to help you to have that prefilled out. Just making sure that everything is dotted and sorted. That way, if in the event that anything was to happen, the claim would be much easier on her Yep. just to cover all your bases, essentially. Sure.","start_word":4276,"end_word":4334,"intents":[{"intent":"Provide guidance and guidance","confidence_score":0.00024485067}]},{"text":"We'll make Yep. sure we do some reviews. Once you've got some time to go back and have a read to the document, because I know it can be a lot when I'm going through it with you.","start_word":4467,"end_word":4504,"intents":[{"intent":"Schedule review","confidence_score":0.0149952695}]},{"text":"any questions or anything else that you might need from me at the moment or anything you wanted me to work on for you while you got me here or any major changes to your circumstances shortly? Or Kind of.","start_word":4814,"end_word":4853,"intents":[{"intent":"Recruit advisers","confidence_score":0.0000048191596}]},{"text":"We're probably gonna limit Mhmm. a 150 for her and 50 for me.","start_word":4908,"end_word":4920,"intents":[{"intent":"Limit cash amount","confidence_score":0.0015386612}]},{"text":"My question was, what's the best way to deposit that? Would that be do we just do one lump sum or do we break it up and declare some as tax at, you Mhmm. know, under the the tax frame? Declaring it as a tax deduction? Yeah. Yeah. Absolutely.","start_word":4941,"end_word":4989,"intents":[{"intent":"Inquire about tax deduction options","confidence_score":0.0012273419},{"intent":"Inquire about tax deduction eligibility","confidence_score":0.0011399275}]},{"text":"So what I would probably suggest you do just to make sure in your myGov account that you still have access to carry Yep. forward contributions that you're not exceeding the cap in any way, shape, or form.","start_word":4990,"end_word":5027,"intents":[{"intent":"Suggest assuming access to funds","confidence_score":0.0014457611}]},{"text":"So I'm happy to provide more personal financial advice for you if you would like to.","start_word":5376,"end_word":5391,"intents":[{"intent":"Provide financial advice","confidence_score":0.23317556}]},{"text":"I'll just need to maybe have another conversation with you, double check your catch up contributions as well, and then I could always do another advice document for you recommending how that money gets put in.","start_word":5392,"end_word":5427,"intents":[{"intent":"Recommend options","confidence_score":0.0009813845}]}]},"sentiments":{"segments":[{"text":"Hello. Hi, This is Ian. Ian. Hi, Ian. It's Dana from Oakview Financial again. Is now a better time there for you? Yeah. Yeah. Sorry. I'm just connecting my headset, Yeah. which should be You're come on. What's going on here? you're absolutely fine. Come on. You still there? Yeah. I can hear you perfectly. Okay. Can you hear me okay? You're Yes. It's finally come through the headset now.","start_word":0,"end_word":69,"sentiment":"neutral","sentiment_score":0.08152439445257187},{"text":"Fantastic.","start_word":70,"end_word":70,"sentiment":"positive","sentiment_score":0.668286919593811},{"text":"Ian, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Sure.","start_word":71,"end_word":102,"sentiment":"neutral","sentiment_score":0.30115288496017456},{"text":"Fantastic.","start_word":103,"end_word":103,"sentiment":"positive","sentiment_score":0.4125179946422577},{"text":"And just to do a quick security check there for you. So just to confirm your full name, your date of birth, and address that you have on file? Ian Joseph Quadrio, 01/29/1980, Unit 2 Number 14, Kelso Crescent, Manning, WA.","start_word":104,"end_word":144,"sentiment":"neutral","sentiment_score":0.10714728385210036},{"text":"Beautiful. Thank you so much for that.","start_word":145,"end_word":151,"sentiment":"positive","sentiment_score":0.6204338073730469},{"text":"And how's your week been so far? Hectic.","start_word":152,"end_word":159,"sentiment":"neutral","sentiment_score":0.28848570585250854},{"text":"Understandable. Hopefully, you have a good relaxing weekend ahead there.","start_word":160,"end_word":169,"sentiment":"positive","sentiment_score":0.4757542610168457},{"text":"Oh, yeah. Yeah. Hopefully. Yeah. Yeah.","start_word":170,"end_word":175,"sentiment":"neutral","sentiment_score":0.13587333261966705},{"text":"Fantastic. I I've got a day off to myself. Oh, that'll be really nice.","start_word":176,"end_word":189,"sentiment":"positive","sentiment_score":0.4337315559387207},{"text":"Ian, I've got the I sent the advice document through to you there. Have you been able to jump into your emails and pull that one up at all? Yeah. No. No. I was in the car. Oh, that's okay. Are you able to access your emails? If you can't, that is fine. I'm able to run you through the recommendations and let you have a look at it later. What's easier for you? Yeah. Just give me a couple of seconds to set myself Yeah. up. You're fine. It should come through from OdooSign. Hit. Do you know which email you sent it to? Yep. So the email I have here for you sorry. It should be at lab_mouse@hotmail.com. Double check your junk mail. It might also take a little bit of time. They normally come through pretty pretty quickly, but Yeah. you just I thought never it came know with through technology. straight away. You just never know. It came through I'm on just my phone, double but I just can't see it on my PC for for I've weird had that happen a few times. I'm not sure how that that occurs. But, yeah, I could always resend it if you like to see if it comes through on the PC reason. while you're sitting there. Oh, no. It'll be fine. I'm just That'll waiting be okay. That's alright. for oh, I know. I can't see it. Here we go.","start_word":190,"end_word":432,"sentiment":"neutral","sentiment_score":-0.017124500447585258},{"text":"Excellent.","start_word":433,"end_word":433,"sentiment":"positive","sentiment_score":0.5919963121414185},{"text":"So when you can Yep. see the document there, there is that button to sign in order to to press to sign to move forward. I will Yep. never ask you to sign anything you haven't read. It's just so you can review the document there, and you'll be able to go back and review that after the call there as well. Okay?","start_word":434,"end_word":496,"sentiment":"neutral","sentiment_score":0.1948016732931137},{"text":"No problem. Perfect.","start_word":497,"end_word":499,"sentiment":"positive","sentiment_score":0.38961389660835266},{"text":"So on the front page there, it's noted down that the statement of advice has been prepared for yourself as of the thirtieth December September twenty twenty six. We date the document for the date that we are presenting it to you because all of our advice is valid for sixty days after the presentation date or the date on the document. So it just gives you time to review it to make your decisions as well. Okay? Yep. Yep. At the bottom of that, it has been prepared by myself and my lovely team here at Oakview Financial, and it's got my license registration number as a licensed financial adviser there for you as well. Okay? Yes. Moving forward throughout the document, we have the best interest, Judy. Just letting you know that any advice we do provide is meant to be essentially looking after your goals and working towards your long term goals. So we do what we do. We go to the point of doing reviews, looking at your goals, and then providing advice to help you achieve those goals down the track there. Yes. Then you've got your table of contents, and we, after that, have essentially the scoping in and out. These are areas that we are and or are not looking at advice for you today. Essentially, this advice document has been limited to superannuation.","start_word":500,"end_word":730,"sentiment":"neutral","sentiment_score":0.1587449610233307},{"text":"One of your goals was that you are looking at wanting to build your super and achieve the best possible returns overall, hoping to have some active management within your portfolio, which is the expected to deliver net benefits after fees and aiming to, be able to access your super as early as possible, which at the moment is about 60.","start_word":731,"end_word":791,"sentiment":"positive","sentiment_score":0.33449676632881165},{"text":"Does that still feel appropriate to your goals? Would there be any changes since we last caught up? Yeah. No. That seems that's correct. Yep. Yeah.","start_word":792,"end_word":817,"sentiment":"neutral","sentiment_score":0.09196217358112337},{"text":"Beautiful.","start_word":818,"end_word":818,"sentiment":"positive","sentiment_score":0.5580741167068481},{"text":"I've also considered the estate planning side of things. So we talked about sending out your beneficiary nominations, and my team has sent those out. Have you received those as of yet? If you haven't, I can have them resent. I have received them, and I Yep. have probably just forgotten to send them out again because That's I just absolutely that's absolutely fine.","start_word":819,"end_word":882,"sentiment":"neutral","sentiment_score":0.2109082192182541},{"text":"I'll keep sort of making it mentioned to you to make sure that they are updated and correct for you.","start_word":883,"end_word":902,"sentiment":"positive","sentiment_score":0.5024648308753967},{"text":"If you have any problems Yep. or questions, please don't ever hesitate to give me a call. But I've just scoped in the estate planning things to make sure here that your beneficiaries are set up as per your wishes, just making sure that your super is directed to Candice in the event that anything occurs. Okay? Yes. Yes. Beautiful. Areas that we are not looking at advice are on the next page down. So areas of personal shares, you do have personal investments outside of super. You are just looking after those at the moment. If you did need any additional support to drive down the track, we can always come back and look at that for you. Mhmm. We've also scoped out anything regarding the business. So you're looking at opening or starting a mobile remediation business down the track, building that alongside your current employment and then transitioning over to that full time in the future. We're not providing additional advice at the moment, but how is that going for you? Slowly. I haven't really made any what you call it? Progress? Yeah. Not so much progress. There's a little bit of progress, but there been No. sort of but it's mostly just sort of setting up the business Okay. Yeah. for the use essentially before I Yeah. start taking clients. Yep. I have a full No. time I paying understand. job. Absolutely. Your life is very full and busy, so this is adding one more busy thing into it for you. That's it. Yeah. You've also got homeownership. So potential of looking at owning a home in the future that is scoped out for the time being as well and personal insurances. So you don't have life, safety, income protection, or trauma cover. You are happy with the way not having those currently, but if down the track you wanted to revisit that, wanted to look at getting those types of insurance, you're welcome to let me know, and we can have that further conversation there. Yep. Okay? Mhmm. And then also scopes out anything to do with the personal travel and the cash flow side around that. You're wanting to take a trip to The US in 2032, and you are working towards that goal currently. So advice for us would be around cash flow and budgeting and saving and things like that. We're Yep. scoping that out for the time being, but can assist you in that area down the track if you would Sure. like it. Sure. Okay?","start_word":903,"end_word":1327,"sentiment":"neutral","sentiment_score":0.08668212526861359},{"text":"Excellent.","start_word":1328,"end_word":1328,"sentiment":"positive","sentiment_score":0.5536197423934937},{"text":"The next couple of pages outline the about you section to the information that we had on the previous fact line. We've also got your assets and liabilities there. What I would like to maybe do, if possible, is get you to scroll down to page number 14 where I'll send to take you through the recommendations. Yes.","start_word":1329,"end_word":1386,"sentiment":"neutral","sentiment_score":0.12156058102846146},{"text":"Beautiful.","start_word":1387,"end_word":1387,"sentiment":"positive","sentiment_score":0.47144192457199097},{"text":"So with this one here, after we spoke in your annual review, I went back and reviewed the portfolio as well as the super platform to make sure everything was working well for you. I do review the platform as well to see if there's anything better or any other way of reducing fees and of making sure your super is working harder for you, I Sure. am recommending that you do retain the hub 24 platform. There Right. are other cheaper platforms out there. However, one of the things I do like to take into consideration is the capital gains consequences. So if we had of looked at recommending a full sell down of your portfolio and moving you to a new platform, you would have been cementing capital gains of $5,225.31. That is Right.","start_word":1388,"end_word":1523,"sentiment":"neutral","sentiment_score":0.0952034667134285},{"text":"a very large chunk of money, and it is harder to once you roll that to another platform, start to make that back.","start_word":1524,"end_word":1546,"sentiment":"negative","sentiment_score":-0.37258127331733704},{"text":"It take it takes time. So one of the things Yes. I wanted to look at doing was altering your portfolio to keep things working towards your goals, but minimizing the tax consequences as much as possible for your super fund. Okay? Go. Go. So recommending you do retain the hub 24 platform, also keeping your contributions going in there as they are, but we are gonna look at altering the portfolio for you. If Okay. I can get you just to skip a skip a couple of pages there for me and go down to page number 21, I'll take you through the changes to be made there to your portfolio to make it easier.","start_word":1547,"end_word":1662,"sentiment":"neutral","sentiment_score":0.1530596911907196},{"text":"Yes. Beautiful. This essentially shows that your current super fund there with your current and current investments with the way they are currently set in the fund.","start_word":1663,"end_word":1689,"sentiment":"positive","sentiment_score":0.411532461643219},{"text":"The first column has the individual investments, the APIR code on the next one, your current investment weighting and the current balance within each of those funds. The next column is the one I like to sort of focus on. This is where we're gonna be buying and selling, and the last two columns show the target. So once we've made the changes, how much of your portfolio would be in each of these investments and the target balance to be held there as well for you. Right. Okay? Yeah. So, essentially, having a look at the investments and looking at some of the ones that have been underperforming this year and looking at ways to update your portfolio so that we can look to make the investment cheaper as much as possible, but also make sure they are performing really well as well. You're definitely in one of the older portfolios. So, essentially, changes I wanna make to your portfolio here. We're gonna keep your physical gold, but you're a little bit underweighted currently. So we do wanna buy a little bit more of that, bring you up to 8% weighting then. Physical Mhmm. silver has been good over the past, but it is underperforming a little bit at the moment. So we're just gonna remove that from your portfolio wholly, cement the gains that it has made, and bring you down to zero within the physical silver space. Okay. The Bannalong Australian Equities, this was an actively managed portion of your super fund.","start_word":1690,"end_word":1944,"sentiment":"neutral","sentiment_score":0.027673762793853588},{"text":"This has been underperforming. The investment itself has had some issues within their fund and the investments that they're investing in, And, therefore, it is underperforming and holding your super back a little bit, so I am removing that completely from your super fund there as well.","start_word":1945,"end_word":1991,"sentiment":"negative","sentiment_score":-0.3769097924232483},{"text":"Okay? Okay. The Vanguard diversified index fund, that one there, again, removing wholly. It is underperforming a little bit. It is a great low cost fund to have, but we are looking at, building in other areas. So it has done well over the past. Right now, it's not doing as well, and it's had a little bit of an issue. So we'd like to remove it as underperforming and distribute the funds into other areas that we see growth coming from. Sure. We've got the cybersecurity in there. So the hack, that one has done really well. This year has been a little bit up and down with the markets.","start_word":1992,"end_word":2102,"sentiment":"neutral","sentiment_score":-0.033113010227680206},{"text":"However, it is still a really good place to be invested.","start_word":2103,"end_word":2113,"sentiment":"positive","sentiment_score":0.35810503363609314},{"text":"Essentially, this is giving you exposure to global cybersecurity. It's also giving you exposure to tech and a little bit of AI as well. So we do see really good space in the market there, and the economists that we've been talking to are still wanting to keep that in place. They are sort of saying that this is an area of definite growth down the track. So we'll keep Okay. that in there and just keep watching the space and see what it's doing. But we are just rebalancing you a little bit. So we wanna hold 5% of this investment. You've currently got 5.80%. So we're just gonna sell a little Okay. bit off and rebalance you back there as well. Okay? Excellent. You've got the battery and lithium tech in there. This year has had a lot of ups and downs. We are looking to remove that completely from the portfolio. Right. Essentially, this this particular year has had a lot of ups and downs that it has been performing quite nicely, but there are other ways to sort of hold a little bit of tech, and that's part of having the cybersecurity investment there for you as well. Okay? Sure. You've also got the e t the ETSS Morningstar global tech investment. Again, having had called a little bit of tech, but also holding some of the other investments also gives you exposure to tech companies. So we are just looking to remove this investment completely from the Okay. portfolio for you as well. You've also got in there the iShares Europe. That one is going to be solely removed as well. We're still keeping European exposure, but we have got another way to hold it. We've Sure. also got the S and P 500. Now this is essentially giving you access and exposure to the top 500 companies on The US. It can hold anywhere from 500 to 520 companies, and it is tracking the industry. So you are always tracking the top 500 companies. Right. So we wanna hold about 20% of this investment.","start_word":2114,"end_word":2463,"sentiment":"neutral","sentiment_score":0.08375263720750808},{"text":"It is still good.","start_word":2464,"end_word":2467,"sentiment":"positive","sentiment_score":0.5279570817947388},{"text":"Has been a lot of ups and downs, but, realistically, you do get really good growth from The US market over the longer term. So we are just gonna rebalance you back slightly from 24% to 20% there. Okay? Sure. We've got the iShares Asia. This one hasn't really been doing what we wanted it to, so we are looking to remove that completely from the portfolio. Asia has been a little bit up and down. We still can see growth coming, but we'll just sort of monitor and see whether it's worth move moving back into the portfolio down the track. But for now, completely moving that from the portfolio for you. Sure. And then the Vanguard Australian fixed interest, this is defensive in nature. We do wanna keep fixed interest investments within there to keep that sort of growth allocation for you. However, this investment has been underperforming, so we don't wanna keep it in there anymore and wanna remove that and reinvest your fixed interest in other ways. Okay? Yeah. Yep. So what we're gonna do to buy in, and you'll see, we've removed quite a lot from the portfolio and rebalanced some areas. Underneath that, we have got the beta shares quality ETF. So India has been a little bit up and down, but, realistically, this investment gives Australian investors a target exposure to 30 high performing Indian companies, and they're selected for strong financial health.","start_word":2468,"end_word":2707,"sentiment":"neutral","sentiment_score":0.05090482711093501},{"text":"So it is a good place to be. They are still seeing growth within the Indian market, and we'll just keep watching that.","start_word":2708,"end_word":2730,"sentiment":"positive","sentiment_score":0.6071207523345947},{"text":"This is more of an a somatic ETF, so it is tracking a certain yeah. A a theme, essentially, with the Indian side of things. We'll keep monitoring that moving forward with you. If we find it's not performing the way we hope it does, then we'll definitely move it out of your portfolio for you. But, Sure.","start_word":2731,"end_word":2788,"sentiment":"neutral","sentiment_score":0.04216834902763367},{"text":"economists are predicting good things to come out of India, and it is still a good place to start investing at the moment.","start_word":2789,"end_word":2811,"sentiment":"positive","sentiment_score":0.391959547996521},{"text":"Okay? Okay. Sure. Underneath that, we've got global health care. This is giving you exposure to global health care. So across the entire globe, one of the really important things with a portfolio is diversification, and this helps to give you diversification by investing across the globe there within the health care space. This is not only looking at health care services, but it's also looking at the health care tech sector as well. So there's a lot of AI boom coming up in the health side of things, and this also looks to invest you in that area a little bit as well. K. Underneath that, we're keeping your Australian exposure. So, essentially, we are removing the bet along Australian equities because it has been underperforming, but we still wanna have you invested in the Australian market there.","start_word":2812,"end_word":2950,"sentiment":"neutral","sentiment_score":0.13497550785541534},{"text":"So this Mhmm. is good.","start_word":2951,"end_word":2955,"sentiment":"positive","sentiment_score":0.41511526703834534},{"text":"We're investing you within the Raffy two hundred and the BetaShares Australian two hundred. Between these two investments, they are giving you exposure to essentially the top 200 to 400 different companies. They do invest in different things. Some of these do cross over a little bit, but we're just holding 1510%. So it does give you some of the same sort of investments like a lot of banking. So they both technically hold BHP, bits of ANZ, Westpac, Woodside, National Australia Bank, and Woolworths, but they also have some small differences within them as well when you look at the lower side of things. So between that, it's giving you access and exposure to the top, technically, two to 400 companies on the Australian market.","start_word":2956,"end_word":3081,"sentiment":"neutral","sentiment_score":0.2015290338368643},{"text":"Both of these have seen really good growth, and we do still wanna hold that Australian exposure to replace that Bannalong Australian equities aspect as well.","start_word":3082,"end_word":3107,"sentiment":"positive","sentiment_score":0.43551158905029297},{"text":"Okay?","start_word":3108,"end_word":3108,"sentiment":"neutral","sentiment_score":0.24645423889160156},{"text":"Sure. Excellent.","start_word":3109,"end_word":3110,"sentiment":"positive","sentiment_score":0.6781316995620728},{"text":"The next one in there and the one thing I sort of wanted to keep with you that we talked about was making sure you still had a little bit of an active management component within your portfolio because that's what Benelon was meant to bring. So I've looked at Mhmm. holding the having some active management within your portfolio, but trying to make it as low cost as possible. So that's what this next investment is. It's a JPMorgan Global Research Enhanced Equity Fund. This is essentially giving you a it's part passive, part active. It's only a small percent active roundabouts, so the 10 to 15% active management. The rest of it is essentially passive.","start_word":3111,"end_word":3227,"sentiment":"neutral","sentiment_score":0.20419096946716309},{"text":"It's a low cost fund, and they certainly find areas where there are fundamental insights, where they are able to build and add additional investments within their portfolio there, and it utilizes JPMorgan's research team to do that. So it's about having a little bit of active management in there to take on a little bit more risk and get, you know, greater potential returns, but also making sure we're diversifying. This is also global, so it is looking at the global, you know, the world over and also making sure essentially that, you know, you are low cost as much as possible.","start_word":3228,"end_word":3330,"sentiment":"positive","sentiment_score":0.3857702612876892},{"text":"One of the things I wanted to look at was trying to reduce fees within your portfolio because your older portfolio was costing a little bit. So Right.","start_word":3331,"end_word":3358,"sentiment":"neutral","sentiment_score":0.12639062106609344},{"text":"being able to reduce fees for you means that more money stays within your portfolio working harder for you.","start_word":3359,"end_word":3377,"sentiment":"positive","sentiment_score":0.38434791564941406},{"text":"Does that make sense?","start_word":3378,"end_word":3381,"sentiment":"neutral","sentiment_score":0.28606677055358887},{"text":"Yes. Absolutely.","start_word":3382,"end_word":3383,"sentiment":"positive","sentiment_score":0.4748501479625702},{"text":"Underneath that on the next page there, the last two that didn't quite fit, you've got the iShares Yield Plus and also the iShares Core composite bond. So these are essentially giving you access and exposure to defensive investments. Within that growth environment, we wanna see about 20% invested in defensive investments there.","start_word":3384,"end_word":3436,"sentiment":"neutral","sentiment_score":0.1324096918106079},{"text":"So this is essentially giving you access exposure to core composite bonds, which are great income producing and high yield shares, which, again, are really good for income production. We wanna see income produced out of these investments. That way, the funds get paid into your cash account and reinvested for compounding, and that over longer term can support additional growth on top of, yeah, the the the growth side of things in your portfolio. I like to see a combination of growth as well as income to see that compounding work for you in your portfolio there. Yep. That is Sure. essentially an easy breakdown of each of those investments.","start_word":3437,"end_word":3547,"sentiment":"positive","sentiment_score":0.5786626935005188},{"text":"Is there any questions or anything you wanted to delve into a little bit deeper? No. No. I think that's Mhmm. all fine. Because there is just okay. So this is more of a percentage. But because I just scrolled down a little bit. So the proposed asset allocation is based on percentage. Yeah. Yeah. Yeah. So with that, you're looking at page 23 at the moment where you've got the proposed asset allocation there. And the first column and second column essentially show where our our our risk portfolio should sit, essentially, what we're aiming for with regard to each of the existing and proposed investments. With your current, you currently have about 21.58% invested in Australian shares, 51.22 in Australia as a international equities. Property, nothing currently, and 11.80 in alternative growth assets.","start_word":3548,"end_word":3682,"sentiment":"neutral","sentiment_score":0.10632801055908205},{"text":"It essentially gives you 84.60% growth.","start_word":3683,"end_word":3688,"sentiment":"positive","sentiment_score":0.35829588770866394},{"text":"Within cash, about 3.10%, 12.30% within fixed interest, and nothing with defensive alternative status. So current defensive asset allocation is 15.40%. With the newer portfolio, we see the growth asset allocation dropped to about 80.98%, so a little bit more closer to the growth risk profile asset allocation there, and then 19 Yep. point 03%. So bringing up the defensive asset allocation there, it's keeping you within that 80 sort of 20 split, but Yep. also making sure to increase the defensive component just slightly for income production and also to overall lower the risk portfolio just a little bit or the risk side of things a little bit for you. Yep. That makes sense. Yeah. Easy. If you scroll back up to page 19 for me, I can show you the cost size of things in the projection table there as well. Yep.","start_word":3689,"end_word":3832,"sentiment":"neutral","sentiment_score":0.14203363535408345},{"text":"Beautiful.","start_word":3833,"end_word":3833,"sentiment":"positive","sentiment_score":0.5550206899642944},{"text":"So the first column there outlines your current balance. It's got the current investment fees, admin fees, the ongoing service fee, the net contributions going in there, and, essentially, underneath there, the growth portfolio with the current five year rolling average. Hasn't really been performing the way we wanted it to, so moving things out and also the portfolio is really good to do. As I kinda mentioned before, one of the things I look at is the CGT consequences because just like you, your super fund does a tax return. And when we do switch or alter investments, your super fund has to account for capital gains. With making the switch that we've just gone through, the estimated capital gains is $647. So instead of having a $5,000 CDT consequence, I've been able to reduce it as much as possible to 647 by offsetting as much of the losses as possible against the gains for being able to switch Right.","start_word":3834,"end_word":3994,"sentiment":"neutral","sentiment_score":0.1708163619041443},{"text":"your portfolio, which is a positive thing. Yep.","start_word":3995,"end_word":4002,"sentiment":"positive","sentiment_score":0.5461952090263367},{"text":"That essentially means that after the switch and after the CGT, the balance at the top there, the $3.61 is how much is expected to be within your super fund after the switch is being completed. Okay? Right.","start_word":4003,"end_word":4040,"sentiment":"neutral","sentiment_score":0.2412412017583847},{"text":"Cool.","start_word":4041,"end_word":4041,"sentiment":"positive","sentiment_score":0.3957035839557648},{"text":"Underneath that, you've got your investment fees and also the admin fees. There's no change to admin fees because we're retaining a platform. However, investment fees do drop significantly.","start_word":4042,"end_word":4070,"sentiment":"neutral","sentiment_score":0.245264932513237},{"text":"So we're saving about $1,301 in investment fees, which is great.","start_word":4071,"end_word":4081,"sentiment":"positive","sentiment_score":0.5513338446617126},{"text":"That essentially means there's more Yep.","start_word":4082,"end_word":4087,"sentiment":"neutral","sentiment_score":0.3294903337955475},{"text":"money that stays invested in your super compounding harder for you. We also can expect the ongoing service fee for our services to drop and save you about $261 a year there as well, which is a positive thing.","start_word":4088,"end_word":4126,"sentiment":"positive","sentiment_score":0.491016149520874},{"text":"Go. Yeah. Contributions continue to go in at the same rate. You've got no insurance premiums coming out.","start_word":4127,"end_word":4144,"sentiment":"neutral","sentiment_score":0.2364304703142908},{"text":"However, keeping you in that growth asset allocation, the newer portfolio has averaged 10.18% on a yearly basis. If it can do what it has done over the past sort of five years, then we can sort of see where that's projected to put you over the next five to ten years, which does put you in a much better position, essentially.","start_word":4145,"end_word":4206,"sentiment":"positive","sentiment_score":0.5165368914604187},{"text":"Okay. Yeah. Do you have any questions about that that table at all? No. No. That's fine, sir. Yes. Easy. Essentially, the only other side of things I wanted to go through was just with regard to the beneficiary side of things. That's down on page number 24. So just making sure your beneficiary nominations are completed, nominating a 100% of Candice in the event that anything does happen. If you do need any assistance, please let us know.","start_word":4207,"end_word":4285,"sentiment":"neutral","sentiment_score":0.13841690123081207},{"text":"We're more than happy to help you to have that prefilled out. Just making sure that everything is dotted and sorted. That way, if in the event that anything was to happen, the claim would be much easier on her Yep.","start_word":4286,"end_word":4326,"sentiment":"positive","sentiment_score":0.45673996210098267},{"text":"just to cover all your bases, essentially. Sure. I also do make a recommendation that you do speak to a solicitor and make sure a will and power of attorneys are definitely drawn up. You can also do them through the local trustee if you need it, which can be a little bit cheaper. And you can also get a a will kit from the post office to make it cheaper again. Just making sure they are filled out as per the instructions to make sure they are valid is the main main concern with those. Okay. Hello? Yep.","start_word":4327,"end_word":4425,"sentiment":"neutral","sentiment_score":0.2511889934539795},{"text":"Excellent.","start_word":4426,"end_word":4426,"sentiment":"positive","sentiment_score":0.5728518962860107},{"text":"With the advice piece, this is all provided as part of our ongoing services to you, So there is no implementation fees involved. You just pay the ongoing service fee, which we estimate to be 5,800 for the year there. We'll make Yep. sure we do some reviews. Once you've got some time to go back and have a read to the document, because I know it can be a lot when I'm going through it with you. So you're welcome Yeah. to take some time. And it's early morning there. It's only 07:30, so I hope you've had your coffee at least. Yeah. No. I've I've I've been up since 06:30, so that's fine.","start_word":4427,"end_word":4541,"sentiment":"neutral","sentiment_score":0.18819352815980497},{"text":"Oh, you're good.","start_word":4542,"end_word":4544,"sentiment":"positive","sentiment_score":0.4485599994659424},{"text":"The kid the kid gets up at 06:00 every morning, so I don't get I much of a choice.","start_word":4545,"end_word":4563,"sentiment":"negative","sentiment_score":-0.33407631516456604},{"text":"I understand that one. Essentially, with this one here, you're welcome to take it back. Have a read the document. If you do find you have any additional questions, please do let me know. If you do find that there are any that you're happy to go ahead with the recommendations, we just ask that you sign and return the document back, and we can have the implement and the implementation sorted for you. Yep. The switch does take about a week or two to complete. Most ETFs are sold very quickly and rebalanced out. It's just that the band the band along the managed fund can take a little bit longer, so it can take up to two weeks to kinda get that completely switched out. So just letting you know that. The only other things depending on how much you like to read, I've also got the financial services guide attached to the email, the product disclosure statements for you, and the appendices. And in the appendices, it also does have all the links for all the individual investment PDFs as well. So not Cool. everyone's that keen to read them, but you're welcome to open those up and have a bit of a look at the investments as well. And, again, if you do find you have any questions, you're welcome to come back and let me know. Okay? No problem. Easy. That is everything I just sorta needed to go through with you. Is there Sure. any questions or anything else that you might need from me at the moment or anything you wanted me to work on for you while you got me here or any major changes to your circumstances shortly? Or Kind of. So yeah. because of the whole capital gains tax thing, Yes. my parents have decided that the the best thing to redistribute their wealth is to give each of us a 100 k for investing not very investing, but putting into our super. Yep. Yep. I'm Mhmm. we're based on my wife's super. We're probably gonna limit Mhmm. a 150 for her and 50 for me. Yep. So there's gonna be basically a large sum of cash that's gonna be dropped into my super very shortly. Yep. My question was, what's the best way to deposit that? Would that be do we just do one lump sum or do we break it up and declare some as tax at, you Mhmm. know, under the the tax frame? Declaring it as a tax deduction? Yeah.","start_word":4564,"end_word":4987,"sentiment":"neutral","sentiment_score":0.08925450088913148},{"text":"Yeah. Absolutely.","start_word":4988,"end_word":4989,"sentiment":"positive","sentiment_score":0.44487324357032776},{"text":"So what I would probably suggest you do just to make sure in your myGov account that you still have access to carry Yep. forward contributions that you're not exceeding the cap in any way, shape, or form. Essentially, with such large large sums of money, one of the things I like to sort of point out is if you put a 100 or your 50 k into super or a 150 k in all at one time, that money Yep. is invested all at one time.","start_word":4990,"end_word":5076,"sentiment":"neutral","sentiment_score":0.28226566314697266},{"text":"So, realistically, to take advantage of market reactions, dollar cost averaging tends to work out much better because you buy in regular amounts of money, and it's you're not sort of trying to time the market.","start_word":5077,"end_word":5112,"sentiment":"positive","sentiment_score":0.3346443772315979},{"text":"You're just buying in. And when the market is down, you buy more investment options at a discounted rate, whereas when the market is higher, the same amount of money goes in and buys less units of the investments there.","start_word":5113,"end_word":5152,"sentiment":"neutral","sentiment_score":0.13990770280361176},{"text":"So, realistically, drip feeding the money in over a longer period of time is generally the best way to do that.","start_word":5153,"end_word":5173,"sentiment":"positive","sentiment_score":0.385057657957077},{"text":"If Okay. you are wanting to claim a tax deduction on the money, doing it nonconcessioning to straight out of the bank account, and then at the end of the financial year, we claim a notice of intent for you the way we have previously.","start_word":5174,"end_word":5218,"sentiment":"neutral","sentiment_score":0.1908247172832489},{"text":"Yes. We'll allow you to then claim that money back as a tax deduction.","start_word":5219,"end_word":5232,"sentiment":"positive","sentiment_score":0.36226919293403625},{"text":"Alternatively, depending on if you don't wanna claim it as a tax deduction, you just want the money to be a 100% invested, you can just leave it in there as a nonconcessional contribution. And nonconcessional caps are much higher. So at the moment, we're sitting at a 130,000 for this financial year in nonconcessional. The Okay. down yeah.","start_word":5233,"end_word":5291,"sentiment":"neutral","sentiment_score":0.0896927521137868},{"text":"The downside is that you can't claim well, if you don't claim a notice of intent, that money doesn't get it doesn't provide a tax deduction for you.","start_word":5292,"end_word":5319,"sentiment":"negative","sentiment_score":-0.38126224279403687},{"text":"The benefit Yeah.","start_word":5320,"end_word":5322,"sentiment":"neutral","sentiment_score":0.14699356257915497},{"text":"to non concessional contributions is that a 100% of that money is invested into the market. So there's no taxes deducted out of the funds once they hit the super fund, and it's all invested long term. And it does provide a boost to your tax free benefit within your super as well. So I'm happy to provide more personal financial advice for you if you would like to. I'll just need to maybe have another conversation with you, double check your catch up contributions as well, and then I could always do another advice document for you recommending how that money gets put in. Or if you're comfortable just with the information today and you know how you would like to have that put into your super, you're welcome to do so.","start_word":5323,"end_word":5455,"sentiment":"positive","sentiment_score":0.49061739444732666},{"text":"But I would definitely make sure that you do both both of you check your your myGov to look at your carry forward concessional contributions for the past couple of years there as well to make sure you're not exceeding the caps in any way. And Yep. the other thing to consider is super balances do need to be under 500,000 as at the June 30 last financial year to be able to utilize the cap the carry forward contribution caps as well. Yeah. So Yeah. your balance still hits that threshold, which is absolutely fine, but just Yep.","start_word":5456,"end_word":5554,"sentiment":"neutral","sentiment_score":0.17084704339504242},{"text":"making sure your wife does as well. But you're welcome to email me any additional questions or ask me anything extra that you might need. And if you would just like a more, you know, personalized advice, like an advice document on how best to put that money in and to make it work for you, I'm more than happy to come back and have another conversation, reassess your goals there, and provide a new advice document outlining what you would like to see there as well.","start_word":5555,"end_word":5641,"sentiment":"positive","sentiment_score":0.43720799684524536},{"text":"Yeah. Okay. No. No. No. I think that's fine. Because my my sister's my accountant, she handles our finances. Yeah.","start_word":5642,"end_word":5661,"sentiment":"neutral","sentiment_score":0.0866587907075882},{"text":"So, Beautiful.","start_word":5662,"end_word":5663,"sentiment":"positive","sentiment_score":0.577970564365387},{"text":"yeah, you you I'll have to have that conversation with her as well. Yeah.","start_word":5664,"end_word":5677,"sentiment":"neutral","sentiment_score":0.17151741683483124},{"text":"Beautiful. Cool. So thank you for Yeah. that. That's okay.","start_word":5678,"end_word":5687,"sentiment":"positive","sentiment_score":0.5717399716377258},{"text":"Yeah. Oh, Alright.","start_word":5688,"end_word":5690,"sentiment":"neutral","sentiment_score":0.3015396296977997},{"text":"good. Is no worries at all. That's everything I needed to go through.","start_word":5691,"end_word":5703,"sentiment":"positive","sentiment_score":0.4222669005393982},{"text":"Do you have any additional questions or anything else that you might need from me currently, or that should be everything? No. That's everything.","start_word":5704,"end_word":5727,"sentiment":"neutral","sentiment_score":0.0998229905962944},{"text":"That's everything. Beautiful.","start_word":5728,"end_word":5730,"sentiment":"positive","sentiment_score":0.4801062941551209},{"text":"Was it if there are any additional questions or anything else for me, please don't have a hesitate to let me know. In the meantime, take some time to read you the document there.","start_word":5731,"end_word":5764,"sentiment":"neutral","sentiment_score":0.22803543508052823},{"text":"And, yeah, thank you so much for allowing me to put this together for you. I hope you have a good day.","start_word":5765,"end_word":5786,"sentiment":"positive","sentiment_score":0.7219718098640442},{"text":"K.","start_word":5787,"end_word":5787,"sentiment":"neutral","sentiment_score":0.20426487922668457},{"text":"Thanks. You too, Dana. Thanks, Ian. I'll talk to you soon.","start_word":5788,"end_word":5798,"sentiment":"positive","sentiment_score":0.5170454978942871},{"text":"Hello there.","start_word":5799,"end_word":5800,"sentiment":"neutral","sentiment_score":0.2624797224998474},{"text":"See you. Thanks. See you later.","start_word":5801,"end_word":5806,"sentiment":"positive","sentiment_score":0.4295032322406769},{"text":"Bye. Bye.","start_word":5807,"end_word":5808,"sentiment":"neutral","sentiment_score":0.1946023404598236}],"average":{"sentiment":"neutral","sentiment_score":0.16411851337728525}}}}