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I had yourself and Frank both booked in to go through your updated statement of advice. Is now still a good time for you both? Fantastic. Can you hear me okay? Perfect. How are you this morning, Frank? Good to hear your voice. Very good. How's your week been? Not necessarily a bad thing, though, is it? Yeah. Understandable. All good. Well, just before I 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 a little quick security check, I just need to confirm... You both to confirm your full name, your date of birth, and your address. Mhmm. Yep. Yep. Beautiful. Yep. Beautiful. Thank you so much for that. Now I have just sent you both an email with the updated statement of advice there. Are you able to open up that email at all and review that with me? Even if one of you wanted, that's absolutely fine. Yeah. You're right. Yeah. It was really good. Went down to Victoria and saw the Great Ocean Road. It's beautiful, isn't it? Yeah. Yep. Yep. Wow. Oh, wow. That would have been amazing. Yeah. Yeah. Yeah. Well, I think we did the Great Ocean Road, and we're gonna do it in three days, but we did it in two days. But that was still two very full on days. And my son loved it. He's 10. He just couldn't get enough of getting in and out of the car and looking at all the things and taking photos. So I'm glad we've seen that whilst it's still there because, like, with all the attractions, the apostles, and all that, they're all starting to sort of waste away, and there's not many left. So... Yeah. Yeah. They don't. Yeah. Yeah. Right. Wow. Yep. Yep. Yeah. Yeah. Yep. Yeah. So we went the other way because we stayed in Melbourne with my brother-in-law and then went the other way. So we went through Torquay and then down to Apollo Bay and stayed the night and finished off in Warrnambool the following day. Yep. Yep. Yes. Yes. Well, we... I'm so glad we did it when we did because we... It was just outside of school holidays. And when we were coming back, it was starting to get very busy because Victoria was starting holidays. So I was glad that we did it not school holiday time because it would have been so crazy busy. Beautiful. Beautiful. So when you open the email there, it does ask you to click to sign. That's just so you can go forward and review the document there. Just let me know when you can see the document. It'll just say statement of advice with both of your names on the front of it. Yep. Yep. And then it will take you forward so you can view each of the documents. And the first one you'll be looking at will be statement of advice, and it has Frank and Robin Wilkinson on the front of it. Yep. Oh, okay. That's just sort of... Has it has it gone through? Have you signed anything as of yet, or are you just looking at the document? So when you click the button that says click to sign, it should move forward so you can view the document and scroll up and down through it. Mhmm. Yep. Mhmm. So it's... It wants to basically to notify your location so that it can register where you're signing from. So you might just need to allow that this time or allow that to to do it for you. No. That doesn't look right. Can you go out of the email for me and back into it? And then what does it say when you open the email? Yep. And... Beautiful. Is there... Can you see a link with the document on the front there at all, or is it just sort of say click to sign? What does it tell you there? Yep. Yep. That's really unusual. Normally, when you press that sign or... Sign document or sign request, it allows you to go forward so you can see the document there. If you go back up in the email, is there any other buttons or any other There's nothing else at the top of the email there at all? Nope. That's okay. What I might do is I'm just gonna send you another email, just a separate one with the document attached because it looks like to allow you to review it, it wants you to kind of allow the settings to register, and it might take a little bit longer. So what I'll do is I will send you the statement of advice separately in another email, which will come through in a second. And then you'll be able to read it over with me. And then when you've got some time later on, if you wanna review the email, you can... You'll be able to go back in. And then when you... When... And if you are deciding you are ready to sign the document, then you can go through that process there. Because it looks like it kinda wants you to go into settings and, you know, basically allow it to go through the process, but it might be a little bit longer. So, Robin, are you in your emails? Yep. I'm just emailing this one to yourself. Oh, you're in Frank's. That's okay. I will send it through again. Is it letting you move up and down? So when you get to that point, it's showing you the document. You can normally move through the pages go... Going up and down. Is it allowing you to do that? It is. Okay. Beautiful. Yeah. No. No. You can do it later. That's absolutely fine. If you... If it's letting you look at that document, is it letting you scroll back to the very first page? It says statement of advice. That's that's okay. Is it letting you scroll back so you can see the first page of the advice document? It's got statement of advice and your names on the front of it? Yep. Yep. Beautiful. So the front page there has statement of advice with your names in the front with the 10/06/2026. I'm just letting you know all of our advice is valid for sixty days, so you can take some time to go back and read this one prior to deciding to take the advice on. On the bottom of that front page, it has prepared by myself and my lovely team here at Financial, and my authorized representative number registered with ASIC is 1304394. It's in the bottom of the front page there for you. Okay? It might be... Yep. Yeah. That's okay. That's okay. Sorry about that. Normally, it works a little bit easier. Yeah. That's okay. We'll go through it. I'll hit the points that I need to, and then I'll let you both go back to sort of look at it again at a later time. Okay? You don't have to sign anything now. You're welcome to read, go through, and read it all prior to taking the advice. Okay? Beautiful. So moving forward to the next page, you'll see the headings, this document and best interest duty. It's just about letting you know that any advice we do provide is being provided in your best interest. So as part of each of the recommendations, we do outline a best interest duty, which essentially relays the recommendations back to your goals and how that works in your best interest. Okay? The next page, just keep scrolling through with your table of contents. And then the next page we have there the scoping of the advice, the areas that we are looking at with this advice piece for you. Okay? X... Is it working? Is it not working? Do you want me to email it to you again, Frank, into a different email so you've got a copy of it to look at in the emails? It might be easier. It's up now? Yep. That's okay. If if I go too fast, just tell me to stop. Yeah. So we're on page number three. Yeah. That's... Yep. So go down to page number four, and you'll have their scope of advice considered. It'll be the next page we're looking at. Yep. Beautiful. So with this advice piece, we were looking at essentially looking at trying to derisk your portfolios a little bit. We had sort of noted some of the investments weren't performing as well when we did your risk profiling. You both wanted to sort of look at trying to be about fifty fifty growth and defensive. So trying to be more balanced, taking on less risk in the market, and sort of looking after your super capital and trying to grow it in a way that you're able to access it. With Frank, you currently being on the age pension, and, Robin, you're still technically working. Essentially, when we spoke, you both had the goal of being able to maybe move into pension phase and start accessing all for Robin for you to retire out of that age 67, which is essentially just over a year away at this point. Does that still sound appropriate for your goals? Is that still accurate? Would there be any changes in your goals at the moment? No. That's okay. But 67 still sounds about right when you're wanting to essentially stop work at this point in time. Yep. Beautiful. Yeah. Excellent. Excellent. And this is the sort of the recommendations with what to do with the super now and then starting to transition to you into that retirement phase. But before that time, we will also come back and do a review with you both. So if we need to update the advice next year, we absolutely can. Okay? Excellent. So I've scoped in for you both, your superannuation, looking at your super and the investments, and then I've also scoped in the income retirement aspect for you both because we are essentially fifteen months away from that. So it's only a very close time there. Okay? Areas that we're not considering as part of the advice at the moment is the funeral bond side of things. So we talked about the money that you have sitting in a bank account that you were utilizing as a funeral expense or funeral cover. We talked about how that could be utilized down the track, and can also be sheltered against Centrelink assessment as well. Essentially, you were happy to leave it as is the moment, noting we can always review that down the track. So for now, that's gonna stay exactly as it is. Okay? Excellent. The next page is the limited advice scoping to this, letting you know that we're not solicitors. So when it comes to drafting of wills and power of attorneys and legal documents, we do tend to refer you through to a legal solicitor or a legal practitioner for those sorts of services. We do provide advice around personal insurances, but we don't do general insurances. So we often refer clients through to a general insurance broker for the purpose of getting a house motor contents, things like that. And under the Better Advice Act 2021, I'm a relevant tax provider. That essentially means that I can provide financial advice around tax and tax related matters. I don't need to as part of this advice, realistically, but if you ever did sort of need those sorts of services, we can provide that for you as part of my license. Okay? The next page is the about you section. Just the information we had on the both of you as per the last fact find there. And I wanna skip forward over a couple of pages, but the next one's essentially your assets and liabilities as per our last conversation of fact find. I know some things that could have changed, but there's no major change on the advice at all. With... Sorry. With page number eight, your assets and liabilities, is there anything big that may have changed in that that you would wanna update, or is that all still fairly appropriate? Yeah. Yep. Absolutely. Beautiful. And then the next one... The next page outlines your current super balances in Hub twenty four. So, Robin, at the moment, you're sitting at a $139,617.97 there. Frank, you're currently sitting at $88,801.47. Okay? Excellent. The next page outlines your risk profile. So you both set and was that... Will... Scored as a balanced investor. This is kinda... We talked about sitting at normally a sixty forty kinda split, but we wanted to look at more of a fifty fifty split between growth and defensive assets there. You're wanting to look at getting it, you know, growth and making your super work a bit harder, but you also... As you are closer to accessing super and, you know, retirement, that you wanted to also protect your super and look after your capital there. So we have looked at ways to be able to do that for you. Okay? Excellent. If I can get you to scroll down to page number 12 for me, yours might say 13. The heading there is Robin strategy recommendations. Beautiful. Now this is just running you through the recommendations. I'll run through each of them for you. I'll give you a a brief outline of what I'm recommending as simply as possible. And then if you have any questions throughout, please let me know, and then I'll let you definitely go back and read them. Okay? So, Robin, this is essentially for your super. So what I am recommending is that we do retain hub 24 as a super platform. I did have a look at hub 24 as well as other platforms to make sure your super was working well for you. Retaining hub 24 is a suitable option because to sell down and move your money elsewhere is a lot more complex and would have made... Would have had a higher capital gains consequence. So one of the things I do look at is that your super, like you, does a tax return every year currently. Essentially, whenever we buy and sell investments or make changes to your super platform, there are capital gains consequences for your super fund to take into account. So in order to sell all of your investments down to cash and move your super to another platform, that means that your super fund would have had a capital gains consequence. I didn't wanna obviously overcome make it over complex. There's no need to move out of Hub twenty four. It still has a lot of different investment options. It essentially gives us access to more than a thousand different investment options, which is fantastic. So retaining that platform was in your best interest. And, also, you guys are linked in the back end as well. So you're getting the family fee aggregation and things like that, which is also important. Okay? Now what I am recommending, though, is that we do alter your super fund within Hub twenty four. So, essentially, the super fund has different stages of the platform. They have three tiers. They have a a Hub 24 Discovery, which is the cheapest part of the platform and only has access to a few investments. We then also have Hub 24 core, which is the second tier. It's a little bit cheaper than the current option, and it gives us access to a few more investments. And then you have the full menu, which is choice, and that's where your super is at the moment. That gives us access to over a thousand different investment options. But that Hub 24 Choice menu is actually a little bit more expensive. So what I'm recommending is when we retain your Hub 24, however, in the back end, we change you to a cheaper version of hub 24. We're not selling or moving you out of anything. It's all done in the back end. This is the switch or a tickable... Tickable box, and we alter the platform and switch the menu in the back end for you. We're gonna move you down to the core menu over the choice because it's actually cheaper. It's a lower cost in administration fees. It saves you about a $180 per year on administration fees. So it makes the platform cheaper for you. Okay? Yes. Yep. No. No. That stays exactly the same. Everything on your side will look exactly the same as it does now. It's just a switch in the back end of what we're using with the back end of the platform. So nothing changes for you. Your account number stays the same. You'll see your hub twenty four super fund exactly as you do now. Essentially, by changing the menu, it's just a tick of a box in the back end for us. We just get you to sign a change of menu form, and everything's kinda done in the back end for you to make the platform cheaper. Does that make sense? Yeah. Beautiful. Now once we change that menu, we're actually gonna change your investments as well. Now at the moment, within your super fund, you have a range of diversified investments. You essentially have, like, the S and P 500. We have some Australian equities, but you can see all the individual investments noted there. What I'm recommending we actually do is change you and move you into our new investment product. We have, in in combination with the BlackRock investment committee, set up an investment product called an SMA. It's a separately managed account. So instead of you seeing your bank hybrids, your physical gold, your cybersecurity, your Asia, your S and P 500, all those investments individually, all you would see in your super fund is the SMA Grove, the investment product there. The reason I'm moving you into this investment product is that it gives you more of a fifty fifty split. So with the way I looked at your super at the moment, you're in more of a balanced growth environment. So you're 70% invested in those growth assets like shares, property, commodities like gold and silver, and have about 30% in those low risk defensive investments. In order to reevaluate and derisk your portfolio to reduce the overall risk, moving you into this SMA product works really well. Because it is managed by us as well as the BlackRock investment team, it means that we can make changes to the underlying investments for you smoother and easier. Essentially, it's reviewed every three months by the investment committee. And where there are changes to the markets where there's high inflation, they can add an ultra investment so that it is working harder for you. Does that make sense? Yep. It's also gonna reduce your risk level down from, say, 70% sitting in those growth assets to about 49% in those growth assets, keeping 51% in defensive exposure, things like cash, bonds, and fixed interest. So, essentially, this is giving you a little bit more protections. We can make changes in line with your risk capacity as well and make sure that the funds... How you're invested is always working well, make changes as we need to. One of the things that I do like a lot... A little bit about this product at the moment is that it currently has some inflationary protections. So, essentially, what sorta happened this year is that because we have seen very high inflation in Australia and it has affected bonds, essentially, our investment committee with the BlackRock team, they met earlier this year. They looked at that estimate product, and they went, hey. We needed to put some inflationary protections in place. So they added some underlying investments in there to add that kind of inflationary protection into the product. By doing that, we didn't have to do updated advice and change anyone's investments. That was all done in the back end, And that just changes that SMA or that investment option on a regular basis to make sure that the funds within that are always working in the right direction, that it is essentially lowering overall risk, and that it is, you know, providing the right level of exposure. Now that can be a little bit complex. Do you have any questions in relation to what that is or anything I've just gone through thus far, Robin? Yeah. Yep. That's okay. Let me take you through it a little bit easier to show you. I'm gonna scroll down a couple of pages. Now if you can go forward for me just to page number 24 on your document, it might be 25. This will have the heading Robin recommended investment superannuation. Beautiful. Now you'll see here it's got a bit of a table. There's a lot going on, and that's okay and understandable. The first... The top column there and all the first column is basically what you currently have within your super fund at the moment. So you've got some bank hybrids. You've got some physical gold. Underneath that cybersecurity, some Asia exposure, some European exposure, the S and P five hundred, some Nasdaq, sorry, and some fixed interest, and then the Vanguard diversified index, and then the Benelon Australian Equities investment there. Now what we are essentially doing... That's showing what you have currently in your super fund. What we are recommending is that within your super fund, we will remove all of those investments. Some of them will just be transferred. Others will be sold off. So you won't see those anymore. At the very bottom, you've got the SMA growth, and that essentially shows that we're gonna transfer all those investments at the top into the bottom. So anything that's, you know, can be transferred in, anything that doesn't need to be held is gonna be sold off. And within your super fund, after we make this change, you'll see that. You'll see your hub 24. You'll see SMA growth and your current balance. So this will be the new investment product. Inside that product, there is about 20 to 30 different other investment options. And by having this product, we can make changes to the investments for you to keep things working harder, to make sure that, you know, as markets change, that new investments are added to make sure it's working for you, and to help overall, you know, help reduce your overall risk level as well. One of the good things I do like about this SMA is that it use... It utilizes the BlackRock investment committee. They work with us through this, and they have an investment manager. They have economists, and they have a really cool supercomputer. And that supercomputer looks at what, you know, is happening in the... Around the globe, what's happening in Australia, what's happening with investment markets, and it helps us to build portfolios that are lowering risk but that are also providing good, steady, long term gains. Now that is a lot. Do you have any questions? I know it's a lot to take in. I'm so sorry. Yeah. Sure. It... Yeah. It is. That did there. This hadn't quite been updated correctly. We had to... We did the document up the other day, and then it had to be updated again. So it looks like that bit there hasn't been updated. I can get that updated for you and reissue it. Sorry about that. This is small this is a small typo. Yeah. No. It's okay. Because it takes a few days to put the document together, and your balance is changing basically every day. Every time we go and update the document, we've gotta update all those little sections there. So it looks like that one's just being missed, but we can have that updated and have it reissued to you just to reconfirm. But, yeah, your balance at the moment is at $13,961.08. Okay? Yeah. Beautiful. Now that is a lot. Do you have any questions? Did you want me to break any of that down a little bit further for you? Or no. That's okay. I think what I kind of really wanted to look at for this was instead of giving you advice documents and going, hey. We're gonna buy this, sell this, move this, change this, to simplify your super fund for you. And this separately managed account, this investment product basically simplifies it for you. Because instead of us giving you an advice document every time we need to make changes in your portfolio that says we're gonna buy this, sell this, change this, move this, rebalance this, and overcomplicate things. You're just looking at that SMA product and your balance. And inside that, our investment committee can make those changes for you. We can, you know, be having the meetings known, look, inflation might be high, or this investment should be here, or we need to look at investing in this market over here. And then in the back end, our investment committee can make those changes without having to come and overcomplicate the the investment conversation with you. Does that make sense? Yeah. It's about sort of making it more streamlined. The other thing I do like is because this has a lower risk level, you've kinda got that 49% growth and 51% defensive investments. It is lowering the risk from where you are at the moment, and you can be in this through those retirement years a little bit as well. It is more of a conservative portfolio, which is important. And that was one of the things that we talked about was that you guys have built up your capital. Your balances are definitely lower than where we would normally like them to be at your age. And that's understandable with, you know, there's a lot of things that have happened. Soup has taken, you know, built up over time. It wasn't a big thing until the nineties. It also wasn't compulsory for a long time there as well. But we just wanna make sure that, you know, your capital is being looked after, and it's been invested in a way that it can be altered and changed as it needs to be without the need to overcomplicate it for you. Does that make sense? Yeah. Yeah. Yeah. No. Well, I will look after you. I will look after you. We we will be okay. We'll keep reviewing it and looking at it and just keep altering it. And that's what this advice piece is about. It's showing you how we can kind of alter things so that you're able to lower risk, look after your capital, keep it moving, but also utilize it when you need to as well. Okay? Beautiful. Now, Robin, if you can go back up a couple of pages for me, on your document, it should be page 22. It should be... The heading should say Robin fee comparison superannuation. Beautiful. Now this is essentially the table showing you the difference in the recommendation there. So the first one shows your current balance. It shows your $13,961.08, your admin fees, investment fees, the ongoing service fee for us looking after and managing everything, your contributions going in at the moment. You've got no insurance premiums coming out, then underneath that at the very bottom, you've got your five year rolling average. This shows that in that balanced growth environment, this portfolio has been able to average around about 4.77 on a yearly basis. Not as good as what we would realistically like, and you are taking a bit more risk to get a very low return. So I wanted to kind of look at making these changes for you. Now with the recommended column, which is the one next to it, it does show a difference in the balance, and that is because we are changing the investment. So we understand that your super fund, does have a capital gains consequence for for doing so. In order to change the investment, your super will account for $1,850. That is the capital gains consequence. But with the reduction of fees, with your contributions going in, and with the growth, your super fund should be able to make that money back nice and quick for you. Okay? Yeah. Sure. Yep. Mhmm. Yes. And I've I've factored that in for you as well. I looked at that. So, essentially, with that, that $20 extra per week that you're putting in equates to about a thousand and $40 over the course of the year. With your income being under the threshold, when you do your tax return for the year, that is all sent off to the government. Essentially, based on your income that we have, you should be eligible to receive the full $500 as a government co contribution. But once your tax return for the last financial year is being completed and sent to the ATO for rebalancing, then the government will deposit that into your super fund for you. Does that make sense? Yeah. Beautiful. I'm just gonna log in and see if... You're right. I'll just log in and see if it's come in for you as of yet. It doesn't always happen quick. You know, the government, they're happy to take money, but not happy to give it in a hurry. Hold on to it as long as possible. Yeah. So with that recommended side, I've also considered and factored in that government co contribution as well based on the research there. So the thing I do like, as much as there is a CGT consequence for making the change in the investments, it also is cheaper. So this new core product within Hub 24, it saves you a $187 for the year on administration fees, so it makes your admin fees cheaper. It's also gonna reduce your investment fees by a $163 as well. So, overall, you're saving about $350 a year in admin and investment fees, which is good. That money stays in your super working harder for you. Okay? The ongoing service fee is, yeah, a little bit lower as well, which is good because the balance is dropping with the change. And the net contribution there, that's your employment contributions plus your non concessional contribution of $20 per week. Plus we've also factored into that the $500 for the government co contribution. So that's essentially showing what the contribution should be for the year, total between all of those things for you. Okay? Beautiful. Now underneath that, you'll also see... It doesn't look like it has come in yet. I'm just looking at the transactions. So it doesn't look like the government co contribution has come in yet. So, hopefully, in the next few months, it'll appear automatically. Yeah. They're quick to take the money. They're good to hold on to it, though, aren't they? Yeah. Now at the bottom of that, the investor profile, you'll see next to the... In the recommended column, the balanced option. So this is moving you down from that balanced growth environment to balance. So lowering your risk, saving you on fees, but the newer SMA product has also performed better than your current super investments as well. So it's averaging 5.72%. Essentially, that is a good conservative rate of return for this sort of environment, and getting that consistently over time can help for you... You know, can help you to draw down the income that you do need. This portfolio can obtain a much greater return. You know, we are gonna see years of negative returns and good returns and things like that. We just need to kinda keep monitoring it with you, seeing how it's performing, and watching your draw downs to make sure that you're always earning the income that you need, but that your super is, you know, performing and kicking along nicely as well. Okay? Beautiful. Do you have any questions about that table at all? No? Beautiful. Underneath that, you'll see there is a projection table. I've only done one year of projections because you are essentially planning to retire next year. I didn't wanna sort of show you too much. So we're looking at, you know, making this change now so that when you retire next year, this is essentially looking at what the projected outcome shows. You can sort of see by saving fees, by moving into the SMA product, and with your contributions there, it's only a difference of $52 for the year in the projected outcome of your balance, which is pretty good. Yeah. Beautiful. If we go down to the next page there, you'll see the annualized returns. Now this is just showing you the difference between your current product and how it has performed versus the SMA when we look at twelve months, three years, and five years. So you can sort of see in that recommended... The the newer investment product has performed pretty well long term, and you can sort of see over three years it has potential for about 9%. So we use a five year rolling average with that 5.72 a because it gives a more conservative projected outcome. But, realistically, this portfolio could perform much greater than that 5%. Realistically, this portfolio could perform much greater than that 5%. Okay? Yeah. Beautiful. Do you have any questions there, Robin? I know it can be a lot, and I'm so sorry. Yep. Beautiful. Now what I'll get you to do is we'll scroll down a little bit more, and we'll head down to page number... Sorry. Number 30 on mine. So number 31 on yours, and this is Frank's sofa. Beautiful. Beautiful. Yep. I can hear you both. You still there? Beautiful. So, Frank, this one's basically yourself, and it did the exact same thing. I had a look at how your super was performing, looked at the different platforms, looking at how everything was structured now and with your current balance sitting in there. Essentially, I am recommending again the exact same thing that we do, you know, essentially retain hub 24, but move you into that new SMA product that we've got available. Utilizing and making sure it's managed correctly, it, again, is reducing your risk level within the market there, and it's also giving... You know, making sure that we can make changes to your super as as needed to make sure it's always working harder for you. Just because we're in this SMA product doesn't mean we need... Don't need to review it. We still need to review it with you to make sure it is working harder to make changes, And there might be a time where we, you know, reduce the risk even more essentially down the track, but we'll kinda keep reviewing it with you to see how comfortable you both are with this. Again, with yourself, Frank, it's just about retaining hub 24. In the back end, we'll move you out of into the core product. It's just the back end switch of the actual product or the menu of Hub 24. And then we will complete the sale and the switching of your investments and move you into the Grove SMA or separately managed account as it's actually called. For yourself, Frank, your CDT consequence on this is expected to be 1300 and 17, so definitely lower than Robin's. However, we are still saving on fees for that. Okay? Excellent. If you can move down for me just to page number 38 a month, so 39 on yours, And this is your fee comparison table. Yep. Beautiful. So we've got the current recommended there. So the current with your super balance sitting there at $8,880.01, and then we've also got your administration fees, investment fees, any other fees applicable there, your ongoing service fee. You're not paying in any contributions in currently, and there's no insurance premiums coming out. Looking at the way you are invested, it's, again, that balanced growth kind of environment there, and your portfolio has averaged about 4.10% over the past five years. So with the recommended, we understand the CDT consequence is 1,317. That essentially means that after making the switch, we expect your balance to be at $87,004.84. We still understand there are administration fees and investment fees, but they are definitely cheaper. So the same as with Robin Super, by making the switch, we'll save you $215 for the year in administration fees, and then we'll also save another $100 in investment fees there. So all up for the year, it's saving you about $315 in administration fees and investment fees as well, which is good. Okay. Absolutely. Definitely. At the very bottom there, again, you're going going into that balanced portfolio over the balanced growth. So we're reducing our risk level within the market and adding those additional protections with the management side of things through the SMA there. And this SMA has averaged 5.72%. So that, when you look at it, can have more of a significant change for yourself because your CGT consequence is a little bit lower. Your balance is a little bit lower as well. The projected outcome's a little bit better for yourself. So we do expect you to be in front by that $222 over the next twelve months with this one. So it's putting you in front, which is great. Okay? Yeah. Yeah. Excellent. And then on the next page there, we've got the recommended and the current portfolios. The returns, they are the same as above, but just showing you how they have performed side by side over the past twelve months, three years, and five years there for you. Okay? Excellent. Do you have any questions at all, Frank? You're welcome to let me know if you do. Beautiful. Excellent. I would definitely wanna make sure we kinda build on that. I like a conservative projection so that we're not overestimating, but just making sure that we touch base with you and keep updating things to see how it's all going, keep monitoring it, and maybe do six monthly catch ups as well to sort of see how it's all tracking for you both as well. Okay? K. Excellent. Yes. Yes. Yes. I'll update that for you. Sorry about that. It's... It is it is protecting your whole one year away. So... Because you're nearly 70, realistically, in this this time next year, you'll be almost 71. But I don't want you to feel like I'm making you older than you really are. It's just more with the age you're turning. Sorry about that. I'm glad you're proud of that. You've done really well. I want you to enjoy the rest of you. You still got a lot of living to do. Absolutely. The next page down is just basically a run over of the investment asset allocation there. But if you go down to page number 42, you'll have the recommended investment table, and that is showing you, Frank, essentially what investments you have currently, how they will all be essentially either sold down or transferred. So at the bottom of that table again, you'll just see you'll have 20 four exactly as it is now, but the investment you'll see is the growth, and you'll see your balance in there. Beautiful. And, again, this table is showing... This needs to be updated because your balance has changed a little bit from when we completed this. So I'll just go back and get my team to update that, and we'll resend it through to you later. Okay? Beautiful. Excellent. Now if we kind of keep going on, I also wanted to have a little bit of a look at the retirement aspect. So this will be reviewed with you both as we get closer to it, and we'll do a review with you next year prior to you retiring there, Robin. But moving down to page number 44, you'll see here it's got Frank and Robin strategy recommendations, and this is about moving into that pension phase when you turn 60 seven. Beautiful. So because this is essentially part of the short term, and we know that next year you'll be 67 in November, and your goal is to essentially retire there. It was appropriate to factor this into the recommendations to sort of look at the Centrelink side of things, but also what the expected drawdown might look like or how much you'll need to drawdown to cover your living expenses to meet your goal. One of the things we sort of talked about was that between the both of you, you wanted to live on about $2,000 per fortnight. Is that still fairly accurate? Yep. Well, it's actually just increased a little bit, and I'll show you what that is. Let's go down a little bit. Let's go down to... I'm just going forward a little bit. If we can go down to page number 51, I can show you what that looks like. Yeah. So they've just increased it. The age pension is assessed, or a few of the Centrelink pensions are assessed essentially twice a year around the March 20 and September. And when they need to be, they are indexed and increased to keep up with inflation. So this all has been updated very recently. So currently, the age pension is paying out 933 per person a fortnight. So 1,866 per fortnight for the two of you as a combined, That's full age pension. And having a look at your assets both with the projected super balance and everything you've got noted, you are both essentially looking to be eligible for full age pension there, which is great. No. No. You actually get more. So the age pension, I actually have the single for you. Get that. So for a single person, the full is $1,237.70 per fortnight. How much is he getting at the moment? Yeah. Well, it'll get easier. It'll get better. You're so close. Yeah. But, no, honestly, look, having a look at everything, I did go back and we had a look at the the availability there. You're both going to... You... With what we can see and project out, we'll be under the threshold there. So eligible for full age pension, which essentially gives you that 1,866 per fortnight. Now the other thing that we wanted to look at was how to supplement that because you talked about how, realistically, you need about $1,000 a week to live, so $2,000 per fortnight. So what we've also made a recommendation on for both of you is that as of you retiring and turning 67, Robin, we will move both of you into pension phase. Moving you both into pension phase within the hub 24, we'll keep you in that estimate, and we'll review this prior to because, you know, prior to you actually retiring in November next year or earlier than that, the Centrelink age pension is also gonna be reviewed twice. So it may go up in value, which means you may not have to draw anything out of your super, which means we can change the strategy. But right now, looking at where we're projecting out, with the current age pension eligibility, we need to draw a little bit out of your super to supplement the age pension side of things. Based on your two current balances, you are both gonna have to draw the minimum pension payment. Essentially, with the eighteen eighteen sixty six on a fortnightly basis, you only really need to draw essentially a bit over... Bit under $200 to kind of, you know, cover you. But withdrawing the the minimum... Withdraw the minimum pension payment out from your super on a yearly basis. Essentially, Robin, for yourself, it will actually only be $275.04 per fortnight or 7,000 for the year. Okay? Oh, that's okay. You're right. I'm just scrolling back. Sorry. My computer's having a bit of a moment. I had to keep... It's on page 46. Yeah. And you'll see a little table there. So, essentially, you've both wanted to between you'd be able to have that 2,000 per fortnight, which gives you $52,000 a year for living by drawing out the minimum. And as at your age, 67, you... At the moment, it's a 5% minimum that you have to draw out of your account based pension within Super. So it means that based on the projected balance, you'll have to draw $7,151.04 per year. That equates to a regular fortnightly drawdown of $275.04. That plus your age pension entitlement of 933 is expected to give you $1,208.04 per fortnight just for yourself there. Okay? Frank, your ascent drawdown is a little bit lower. I'm just scrolling down. If you can go to page number 55 for me, this has got your little table showing your expected drawdown. Beautiful. Beautiful. So with this one here, based on your projected balance, as at the time that Robin's retiring, rather about the age 67 mark, we're looking at drawing down again. It's 5% minimum based on your age, and it's essentially a $170 per fortnight for yourself or based on your balance, 4,421 for the year. Again, adding that to your age pension entitlement of $933 per fortnight essentially gives you $1,103.07. All up, this is essentially giving you both an income for the year between Centrelink and a... And your account based pension of $60,088.79. So it's a little over $8,000 above your required income of $52,000 a year. I do like that because it gives you a buffer. We know living expenses increase. We might wanna take holidays. You can put that extra little bit of money away, you know, take a trip or whatever you need to do. But it does give you a little bit of that $8,000 extra per year just as a bit of a buffer there and allows you to have a little bit of extra. I do like the idea of drawing smaller amounts out on a fortnightly basis rather than lump sums over the course of the year as well because your income and capital growth can can help with the drawdown. So taking smaller amounts out on a regular basis, a, replenishes your income to what you need, but also has less than... Can have less of an effect on your super rather than a big lump sum, essentially, if that makes sense. Yeah. So when I sort of work this out per fortnight, so that $60,088.79, it actually equates to giving you both a combined income of $2,311 per fortnight. So just over that $2,000 mark, giving you a little bit of an income buffer. Okay? Beautiful. Now the other reason I am recommending that at that time we move you both into pension phase is that pension phase, whilst you are required to draw down a minimum income payment, which at the moment is needed to boost your income for your required expenditure, it's also a tax free environment. So at the moment, your supers are in the accumulation phase. It's where we're accumulating wealth. That phase of super is taxable. So your super fund pays capital gains tax. It also pays income tax. When we move into that pension phase completely and you're fully retired, that phase is completely tax free for your super fund. Your super fund no longer pays income tax or capital gains tax on changes within your investments there. So that is a positive thing as well, tax free environment. Yeah. Do you... Either of you have any questions? I know this can be a lot. You're welcome to let me know. No. So, realistically, Frank can move now. We did talk about that last time, and he kinda wanted to not because once he moves into that pension phase, you have to draw down a minimum every year. So they they force you to take money out. We talked about that last time, and Frank decided he wanted to hold off until you were ready to retire and move into that pension phase then. If he changes his mind and wants too early, you absolutely can. It's just that, yeah, you do have to draw down a minimum... A balance from your super every year to meet that pension requirement. So if you don't need to do it yet, keeping it as it is is preferable, and then we move into pension phase. Yeah. Keep it growing as much as possible, and then we move into pension phase next year. Yeah. Yeah. Beautiful. Yeah. And, look... Oh, good. And, Robin, look, you don't have to be 67. We've sort of made mention '67 is when you were, you know, wanting to retire. But as I said, we'll do a review with you next year prior to that. If anything changes, if you wanna retire beforehand, that's absolutely fine. We'll just revisit the numbers. We'll just revisit the numbers, look at what the Centrelink drawdown looks like, and look at what you need to live on and how you draw your pension payments out. So we might just update this strategy next year as well, and that's absolutely fine. But this is giving you an idea of what that looks like. Okay? Yeah. Beautiful. It's giving you a bit of clarity around those income draw downs, showing you that you can draw a little bit out of your super, keep the most of it invested, and being eligible for full age pension to supplement that will give you the income you need, and you're not drawing much out of super on a yearly basis. So it'll still be invested working, growing, building, and paying down some income payments for you as well. How does that sound? Yeah. Yeah. Beautiful. How does that look? How's that kinda giving you a bit of clarity for the moment? Do you have any questions in relation to any of that so far? No. Beautiful. The last thing I just wanted to show you, Bryce, was on page number 59. This is the beneficiary nomination for when you do move into that pension phase. Beautiful. Now at the moment, you both have beneficiary nominations on file, and they're absolutely perfect the way they are. However, when you move into that pension phase, it's good to update the beneficiary. What I'm recommending is that when you both move into that account based pension phase, we update your beneficiary nomination to be a reversionary beneficiary. These are a really cool kind of beneficiary nomination. Essentially, a reversionary beneficiary is only available in the pension phase. And what that essentially does is if one of you were to then pass away, with the income drawdowns coming out of the account based pension, on the... Under a normal binding nomination, those pension payments stop, and the other staff has to claim the death benefit to be able to continue receiving money from that super fund. With a reversionary beneficiary, if Frank or Robin, if either of you were to pass away and you're receiving that regular income payment out of your super fund, that would continue without question. It would continue to your spouse. It essentially allows the income payments to continue being paid to the other member once the member has passed away without ceasing. One of the biggest things I have found in the past is that when one member passes away, your expenditure can get a little bit more. People come to town. There's funeral expenses. There's time that you need to, you know, cover up bills and funerals and things like that. People coming into town, you might be spending more on food. You might have to travel somewhere else. So those sorts of expenses tend to come out of the blue. But what doesn't stop is your regular food bills, your electricity bills, your car payments, your rates, your things like that, insurance costs. Things like those don't actually stop. They continue. So this reversionary beneficiary allows each of you to still receive the regular income drawdown from your spouse's super if they were to pass away without stopping. So it allows your expenditure to remain exactly as it is throughout that time. You can also drawdown extra money when need be, which is absolutely fine, but this just continues those draw downs for you on a regular basis. So it keeps your pension payment paid down continually without stopping so that you can continue to pay for your regular expenses at that time. Does that make sense? Yeah. That's just one of the things I do like about that reversionary beneficiary there. Underneath that box, you will sort of see we have the best interest duty noted there. In all of these recommendations, we've outlined the best interest Judy. It links back why we've made the recommendation and how that works for you. We've also got in there advantages, disadvantages, and risks involved of all the different strategies that you're welcome to sort of walk through and have a bit of a look at. I will just get those two tables updated for you with the balance just so that can be reflect... Reflected correctly, and I'll have this document resent out to you for signing later on. Is that okay? Beautiful. Do either of you have any questions at the moment at all? No? Oh oh, good. Essentially, how implementation will go is nice and easy. Once you're happy with the recommendations, we'll get you both to sign the document. You'll send... It'll come back to us automatically. All we need to do now is the investments which within your so far so that we can, you know, change the the the menu in the back end and the investments that you're invested in. That's all that changes at the moment, and then we'll come back and review that. And then we'll do your normal annual review next year. We'll have a look at the... Either updated pension payments, what this... What Centrelink may have changed to, what your income drawdowns look like, and making sure that you're still on track to retire. And then we can update this if we need to. Worst case, if it's just a change in numbers, it could just be a simple record of advice, which would be nice and easy to update for you. But we'll review that section of it next year for you both. And if you find you wanna retire earlier, then we get to touch base on you. Just let me know, and I will come back and readjust everything for you. Is that okay? Yep. Beautiful. Lovely. That is basically the entire document. There's nothing else to kind of mention except that you are an an ongoing client, so you pay the ongoing service fee for your both. It is 1.10% still this year. There's no implementation fees for the advice. That's all part of what we do and part of the services we provide. And the last thing is just to thank you for the opportunity. I've really enjoyed putting this together for you. So thank you for allowing me the opportunity to help you out. Not at all. I will let you both go... Sorry. No. Never. I really enjoy this, honestly. Feel free to take it back and have a bit of a read through it. What I'll do is I'll just get that little bit updated for you, and we'll resend the document out to you to sign. And then once you're happy to sign it, we'll get it back. Okay? Yeah. Yeah. So you'll get two new email links in there. Yeah. My pleasure. Thank you so much for your time. I hope you both have a lovely afternoon. Thanks. See you later. 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Robin. It's Dana from Okie Financial. How are you this morning? I'm very well. Thank you.\n\nThank you for asking. I had yourself and Frank both booked in to go through your updated statement of advice. Is now still a good time for you both? Fantastic. Can you hear me okay?\n\nPerfect. How are you this morning, Frank? Good to hear your voice. Very good. How's your week been?\n\nNot necessarily a bad thing, though, is it? Yeah. Understandable. All good. Well, just before I jump into the call, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Fantastic. And just a little quick security check, I just need to confirm... You both to confirm your full name, your date of birth, and your address. Mhmm.\n\nYep. Yep. Beautiful. Yep. Beautiful.\n\nThank you so much for that. Now I have just sent you both an email with the updated statement of advice there. Are you able to open up that email at all and review that with me? Even if one of you wanted, that's absolutely fine. Yeah.\n\nYou're right. Yeah. It was really good. Went down to Victoria and saw the Great Ocean Road. It's beautiful, isn't it?\n\nYeah. Yep. Yep. Wow. Oh, wow.\n\nThat would have been amazing. Yeah. Yeah. Yeah. Well, I think we did the Great Ocean Road, and we're gonna do it in three days, but we did it in two days.\n\nBut that was still two very full on days. And my son loved it. He's 10. He just couldn't get enough of getting in and out of the car and looking at all the things and taking photos. So I'm glad we've seen that whilst it's still there because, like, with all the attractions, the apostles, and all that, they're all starting to sort of waste away, and there's not many left.\n\nSo... Yeah. Yeah. They don't. Yeah.\n\nYeah. Right. Wow. Yep. Yep.\n\nYeah. Yeah. Yep. Yeah. So we went the other way because we stayed in Melbourne with my brother-in-law and then went the other way.\n\nSo we went through Torquay and then down to Apollo Bay and stayed the night and finished off in Warrnambool the following day. Yep. Yep. Yes. Yes.\n\nWell, we... I'm so glad we did it when we did because we... It was just outside of school holidays. And when we were coming back, it was starting to get very busy because Victoria was starting holidays. So I was glad that we did it not school holiday time because it would have been so crazy busy.\n\nBeautiful. Beautiful. So when you open the email there, it does ask you to click to sign. That's just so you can go forward and review the document there. Just let me know when you can see the document.\n\nIt'll just say statement of advice with both of your names on the front of it. Yep. Yep. And then it will take you forward so you can view each of the documents. And the first one you'll be looking at will be statement of advice, and it has Frank and Robin Wilkinson on the front of it.\n\nYep. Oh, okay. That's just sort of... Has it has it gone through? Have you signed anything as of yet, or are you just looking at the document?\n\nSo when you click the button that says click to sign, it should move forward so you can view the document and scroll up and down through it. Mhmm. Yep. Mhmm. So it's...\n\nIt wants to basically to notify your location so that it can register where you're signing from. So you might just need to allow that this time or allow that to to do it for you. No. That doesn't look right. Can you go out of the email for me and back into it?\n\nAnd then what does it say when you open the email? Yep. And... Beautiful. Is there...\n\nCan you see a link with the document on the front there at all, or is it just sort of say click to sign? What does it tell you there? Yep. Yep. That's really unusual.\n\nNormally, when you press that sign or... Sign document or sign request, it allows you to go forward so you can see the document there. If you go back up in the email, is there any other buttons or any other There's nothing else at the top of the email there at all? Nope. That's okay.\n\nWhat I might do is I'm just gonna send you another email, just a separate one with the document attached because it looks like to allow you to review it, it wants you to kind of allow the settings to register, and it might take a little bit longer. So what I'll do is I will send you the statement of advice separately in another email, which will come through in a second. And then you'll be able to read it over with me. And then when you've got some time later on, if you wanna review the email, you can... You'll be able to go back in.\n\nAnd then when you... When... And if you are deciding you are ready to sign the document, then you can go through that process there. Because it looks like it kinda wants you to go into settings and, you know, basically allow it to go through the process, but it might be a little bit longer. So, Robin, are you in your emails?\n\nYep. I'm just emailing this one to yourself. Oh, you're in Frank's. That's okay. I will send it through again.\n\nIs it letting you move up and down? So when you get to that point, it's showing you the document. You can normally move through the pages go... Going up and down. Is it allowing you to do that?\n\nIt is. Okay. Beautiful. Yeah. No.\n\nNo. You can do it later. That's absolutely fine. If you... If it's letting you look at that document, is it letting you scroll back to the very first page?\n\nIt says statement of advice. That's that's okay. Is it letting you scroll back so you can see the first page of the advice document? It's got statement of advice and your names on the front of it? Yep.\n\nYep. Beautiful. So the front page there has statement of advice with your names in the front with the 10/06/2026. I'm just letting you know all of our advice is valid for sixty days, so you can take some time to go back and read this one prior to deciding to take the advice on. On the bottom of that front page, it has prepared by myself and my lovely team here at Financial, and my authorized representative number registered with ASIC is 1304394.\n\nIt's in the bottom of the front page there for you. Okay? It might be... Yep. Yeah.\n\nThat's okay. That's okay. Sorry about that. Normally, it works a little bit easier. Yeah.\n\nThat's okay. We'll go through it. I'll hit the points that I need to, and then I'll let you both go back to sort of look at it again at a later time. Okay? You don't have to sign anything now.\n\nYou're welcome to read, go through, and read it all prior to taking the advice. Okay? Beautiful. So moving forward to the next page, you'll see the headings, this document and best interest duty. It's just about letting you know that any advice we do provide is being provided in your best interest.\n\nSo as part of each of the recommendations, we do outline a best interest duty, which essentially relays the recommendations back to your goals and how that works in your best interest. Okay? The next page, just keep scrolling through with your table of contents. And then the next page we have there the scoping of the advice, the areas that we are looking at with this advice piece for you. Okay?\n\nX... Is it working? Is it not working? Do you want me to email it to you again, Frank, into a different email so you've got a copy of it to look at in the emails? It might be easier.\n\nIt's up now? Yep. That's okay. If if I go too fast, just tell me to stop. Yeah.\n\nSo we're on page number three. Yeah. That's... Yep. So go down to page number four, and you'll have their scope of advice considered.\n\nIt'll be the next page we're looking at. Yep. Beautiful. So with this advice piece, we were looking at essentially looking at trying to derisk your portfolios a little bit. We had sort of noted some of the investments weren't performing as well when we did your risk profiling.\n\nYou both wanted to sort of look at trying to be about fifty fifty growth and defensive. So trying to be more balanced, taking on less risk in the market, and sort of looking after your super capital and trying to grow it in a way that you're able to access it. With Frank, you currently being on the age pension, and, Robin, you're still technically working. Essentially, when we spoke, you both had the goal of being able to maybe move into pension phase and start accessing all for Robin for you to retire out of that age 67, which is essentially just over a year away at this point. Does that still sound appropriate for your goals?\n\nIs that still accurate? Would there be any changes in your goals at the moment? No. That's okay. But 67 still sounds about right when you're wanting to essentially stop work at this point in time.\n\nYep. Beautiful. Yeah. Excellent. Excellent.\n\nAnd this is the sort of the recommendations with what to do with the super now and then starting to transition to you into that retirement phase. But before that time, we will also come back and do a review with you both. So if we need to update the advice next year, we absolutely can. Okay? Excellent.\n\nSo I've scoped in for you both, your superannuation, looking at your super and the investments, and then I've also scoped in the income retirement aspect for you both because we are essentially fifteen months away from that. So it's only a very close time there. Okay? Areas that we're not considering as part of the advice at the moment is the funeral bond side of things. So we talked about the money that you have sitting in a bank account that you were utilizing as a funeral expense or funeral cover.\n\nWe talked about how that could be utilized down the track, and can also be sheltered against Centrelink assessment as well. Essentially, you were happy to leave it as is the moment, noting we can always review that down the track. So for now, that's gonna stay exactly as it is. Okay? Excellent.\n\nThe next page is the limited advice scoping to this, letting you know that we're not solicitors. So when it comes to drafting of wills and power of attorneys and legal documents, we do tend to refer you through to a legal solicitor or a legal practitioner for those sorts of services. We do provide advice around personal insurances, but we don't do general insurances. So we often refer clients through to a general insurance broker for the purpose of getting a house motor contents, things like that. And under the Better Advice Act 2021, I'm a relevant tax provider.\n\nThat essentially means that I can provide financial advice around tax and tax related matters. I don't need to as part of this advice, realistically, but if you ever did sort of need those sorts of services, we can provide that for you as part of my license. Okay? The next page is the about you section. Just the information we had on the both of you as per the last fact find there.\n\nAnd I wanna skip forward over a couple of pages, but the next one's essentially your assets and liabilities as per our last conversation of fact find. I know some things that could have changed, but there's no major change on the advice at all. With... Sorry. With page number eight, your assets and liabilities, is there anything big that may have changed in that that you would wanna update, or is that all still fairly appropriate?\n\nYeah. Yep. Absolutely. Beautiful. And then the next one...\n\nThe next page outlines your current super balances in Hub twenty four. So, Robin, at the moment, you're sitting at a $139,617.97 there. Frank, you're currently sitting at $88,801.47. Okay? Excellent.\n\nThe next page outlines your risk profile. So you both set and was that... Will... Scored as a balanced investor. This is kinda...\n\nWe talked about sitting at normally a sixty forty kinda split, but we wanted to look at more of a fifty fifty split between growth and defensive assets there. You're wanting to look at getting it, you know, growth and making your super work a bit harder, but you also... As you are closer to accessing super and, you know, retirement, that you wanted to also protect your super and look after your capital there. So we have looked at ways to be able to do that for you. Okay?\n\nExcellent. If I can get you to scroll down to page number 12 for me, yours might say 13. The heading there is Robin strategy recommendations. Beautiful. Now this is just running you through the recommendations.\n\nI'll run through each of them for you. I'll give you a a brief outline of what I'm recommending as simply as possible. And then if you have any questions throughout, please let me know, and then I'll let you definitely go back and read them. Okay? So, Robin, this is essentially for your super.\n\nSo what I am recommending is that we do retain hub 24 as a super platform. I did have a look at hub 24 as well as other platforms to make sure your super was working well for you. Retaining hub 24 is a suitable option because to sell down and move your money elsewhere is a lot more complex and would have made... Would have had a higher capital gains consequence. So one of the things I do look at is that your super, like you, does a tax return every year currently.\n\nEssentially, whenever we buy and sell investments or make changes to your super platform, there are capital gains consequences for your super fund to take into account. So in order to sell all of your investments down to cash and move your super to another platform, that means that your super fund would have had a capital gains consequence. I didn't wanna obviously overcome make it over complex. There's no need to move out of Hub twenty four. It still has a lot of different investment options.\n\nIt essentially gives us access to more than a thousand different investment options, which is fantastic. So retaining that platform was in your best interest. And, also, you guys are linked in the back end as well. So you're getting the family fee aggregation and things like that, which is also important. Okay?\n\nNow what I am recommending, though, is that we do alter your super fund within Hub twenty four. So, essentially, the super fund has different stages of the platform. They have three tiers. They have a a Hub 24 Discovery, which is the cheapest part of the platform and only has access to a few investments. We then also have Hub 24 core, which is the second tier.\n\nIt's a little bit cheaper than the current option, and it gives us access to a few more investments. And then you have the full menu, which is choice, and that's where your super is at the moment. That gives us access to over a thousand different investment options. But that Hub 24 Choice menu is actually a little bit more expensive. So what I'm recommending is when we retain your Hub 24, however, in the back end, we change you to a cheaper version of hub 24.\n\nWe're not selling or moving you out of anything. It's all done in the back end. This is the switch or a tickable... Tickable box, and we alter the platform and switch the menu in the back end for you. We're gonna move you down to the core menu over the choice because it's actually cheaper.\n\nIt's a lower cost in administration fees. It saves you about a $180 per year on administration fees. So it makes the platform cheaper for you. Okay? Yes.\n\nYep. No. No. That stays exactly the same. Everything on your side will look exactly the same as it does now.\n\nIt's just a switch in the back end of what we're using with the back end of the platform. So nothing changes for you. Your account number stays the same. You'll see your hub twenty four super fund exactly as you do now. Essentially, by changing the menu, it's just a tick of a box in the back end for us.\n\nWe just get you to sign a change of menu form, and everything's kinda done in the back end for you to make the platform cheaper. Does that make sense? Yeah. Beautiful. Now once we change that menu, we're actually gonna change your investments as well.\n\nNow at the moment, within your super fund, you have a range of diversified investments. You essentially have, like, the S and P 500. We have some Australian equities, but you can see all the individual investments noted there. What I'm recommending we actually do is change you and move you into our new investment product. We have, in in combination with the BlackRock investment committee, set up an investment product called an SMA.\n\nIt's a separately managed account. So instead of you seeing your bank hybrids, your physical gold, your cybersecurity, your Asia, your S and P 500, all those investments individually, all you would see in your super fund is the SMA Grove, the investment product there. The reason I'm moving you into this investment product is that it gives you more of a fifty fifty split. So with the way I looked at your super at the moment, you're in more of a balanced growth environment. So you're 70% invested in those growth assets like shares, property, commodities like gold and silver, and have about 30% in those low risk defensive investments.\n\nIn order to reevaluate and derisk your portfolio to reduce the overall risk, moving you into this SMA product works really well. Because it is managed by us as well as the BlackRock investment team, it means that we can make changes to the underlying investments for you smoother and easier. Essentially, it's reviewed every three months by the investment committee. And where there are changes to the markets where there's high inflation, they can add an ultra investment so that it is working harder for you. Does that make sense?\n\nYep. It's also gonna reduce your risk level down from, say, 70% sitting in those growth assets to about 49% in those growth assets, keeping 51% in defensive exposure, things like cash, bonds, and fixed interest. So, essentially, this is giving you a little bit more protections. We can make changes in line with your risk capacity as well and make sure that the funds... How you're invested is always working well, make changes as we need to.\n\nOne of the things that I do like a lot... A little bit about this product at the moment is that it currently has some inflationary protections. So, essentially, what sorta happened this year is that because we have seen very high inflation in Australia and it has affected bonds, essentially, our investment committee with the BlackRock team, they met earlier this year. They looked at that estimate product, and they went, hey. We needed to put some inflationary protections in place.\n\nSo they added some underlying investments in there to add that kind of inflationary protection into the product. By doing that, we didn't have to do updated advice and change anyone's investments. That was all done in the back end, And that just changes that SMA or that investment option on a regular basis to make sure that the funds within that are always working in the right direction, that it is essentially lowering overall risk, and that it is, you know, providing the right level of exposure. Now that can be a little bit complex. Do you have any questions in relation to what that is or anything I've just gone through thus far, Robin?\n\nYeah. Yep. That's okay. Let me take you through it a little bit easier to show you. I'm gonna scroll down a couple of pages.\n\nNow if you can go forward for me just to page number 24 on your document, it might be 25. This will have the heading Robin recommended investment superannuation. Beautiful. Now you'll see here it's got a bit of a table. There's a lot going on, and that's okay and understandable.\n\nThe first... The top column there and all the first column is basically what you currently have within your super fund at the moment. So you've got some bank hybrids. You've got some physical gold. Underneath that cybersecurity, some Asia exposure, some European exposure, the S and P five hundred, some Nasdaq, sorry, and some fixed interest, and then the Vanguard diversified index, and then the Benelon Australian Equities investment there.\n\nNow what we are essentially doing... That's showing what you have currently in your super fund. What we are recommending is that within your super fund, we will remove all of those investments. Some of them will just be transferred. Others will be sold off.\n\nSo you won't see those anymore. At the very bottom, you've got the SMA growth, and that essentially shows that we're gonna transfer all those investments at the top into the bottom. So anything that's, you know, can be transferred in, anything that doesn't need to be held is gonna be sold off. And within your super fund, after we make this change, you'll see that. You'll see your hub 24.\n\nYou'll see SMA growth and your current balance. So this will be the new investment product. Inside that product, there is about 20 to 30 different other investment options. And by having this product, we can make changes to the investments for you to keep things working harder, to make sure that, you know, as markets change, that new investments are added to make sure it's working for you, and to help overall, you know, help reduce your overall risk level as well. One of the good things I do like about this SMA is that it use...\n\nIt utilizes the BlackRock investment committee. They work with us through this, and they have an investment manager. They have economists, and they have a really cool supercomputer. And that supercomputer looks at what, you know, is happening in the... Around the globe, what's happening in Australia, what's happening with investment markets, and it helps us to build portfolios that are lowering risk but that are also providing good, steady, long term gains.\n\nNow that is a lot. Do you have any questions? I know it's a lot to take in. I'm so sorry. Yeah.\n\nSure. It... Yeah. It is. That did there.\n\nThis hadn't quite been updated correctly. We had to... We did the document up the other day, and then it had to be updated again. So it looks like that bit there hasn't been updated. I can get that updated for you and reissue it.\n\nSorry about that. This is small this is a small typo. Yeah. No. It's okay.\n\nBecause it takes a few days to put the document together, and your balance is changing basically every day. Every time we go and update the document, we've gotta update all those little sections there. So it looks like that one's just being missed, but we can have that updated and have it reissued to you just to reconfirm. But, yeah, your balance at the moment is at $13,961.08. Okay?\n\nYeah. Beautiful. Now that is a lot. Do you have any questions? Did you want me to break any of that down a little bit further for you?\n\nOr no. That's okay. I think what I kind of really wanted to look at for this was instead of giving you advice documents and going, hey. We're gonna buy this, sell this, move this, change this, to simplify your super fund for you. And this separately managed account, this investment product basically simplifies it for you.\n\nBecause instead of us giving you an advice document every time we need to make changes in your portfolio that says we're gonna buy this, sell this, change this, move this, rebalance this, and overcomplicate things. You're just looking at that SMA product and your balance. And inside that, our investment committee can make those changes for you. We can, you know, be having the meetings known, look, inflation might be high, or this investment should be here, or we need to look at investing in this market over here. And then in the back end, our investment committee can make those changes without having to come and overcomplicate the the investment conversation with you.\n\nDoes that make sense? Yeah. It's about sort of making it more streamlined. The other thing I do like is because this has a lower risk level, you've kinda got that 49% growth and 51% defensive investments. It is lowering the risk from where you are at the moment, and you can be in this through those retirement years a little bit as well.\n\nIt is more of a conservative portfolio, which is important. And that was one of the things that we talked about was that you guys have built up your capital. Your balances are definitely lower than where we would normally like them to be at your age. And that's understandable with, you know, there's a lot of things that have happened. Soup has taken, you know, built up over time.\n\nIt wasn't a big thing until the nineties. It also wasn't compulsory for a long time there as well. But we just wanna make sure that, you know, your capital is being looked after, and it's been invested in a way that it can be altered and changed as it needs to be without the need to overcomplicate it for you. Does that make sense? Yeah.\n\nYeah. Yeah. No. Well, I will look after you. I will look after you.\n\nWe we will be okay. We'll keep reviewing it and looking at it and just keep altering it. And that's what this advice piece is about. It's showing you how we can kind of alter things so that you're able to lower risk, look after your capital, keep it moving, but also utilize it when you need to as well. Okay?\n\nBeautiful. Now, Robin, if you can go back up a couple of pages for me, on your document, it should be page 22. It should be... The heading should say Robin fee comparison superannuation. Beautiful.\n\nNow this is essentially the table showing you the difference in the recommendation there. So the first one shows your current balance. It shows your $13,961.08, your admin fees, investment fees, the ongoing service fee for us looking after and managing everything, your contributions going in at the moment. You've got no insurance premiums coming out, then underneath that at the very bottom, you've got your five year rolling average. This shows that in that balanced growth environment, this portfolio has been able to average around about 4.77 on a yearly basis.\n\nNot as good as what we would realistically like, and you are taking a bit more risk to get a very low return. So I wanted to kind of look at making these changes for you. Now with the recommended column, which is the one next to it, it does show a difference in the balance, and that is because we are changing the investment. So we understand that your super fund, does have a capital gains consequence for for doing so. In order to change the investment, your super will account for $1,850.\n\nThat is the capital gains consequence. But with the reduction of fees, with your contributions going in, and with the growth, your super fund should be able to make that money back nice and quick for you. Okay? Yeah. Sure.\n\nYep. Mhmm. Yes. And I've I've factored that in for you as well. I looked at that.\n\nSo, essentially, with that, that $20 extra per week that you're putting in equates to about a thousand and $40 over the course of the year. With your income being under the threshold, when you do your tax return for the year, that is all sent off to the government. Essentially, based on your income that we have, you should be eligible to receive the full $500 as a government co contribution. But once your tax return for the last financial year is being completed and sent to the ATO for rebalancing, then the government will deposit that into your super fund for you. Does that make sense?\n\nYeah. Beautiful. I'm just gonna log in and see if... You're right. I'll just log in and see if it's come in for you as of yet.\n\nIt doesn't always happen quick. You know, the government, they're happy to take money, but not happy to give it in a hurry. Hold on to it as long as possible. Yeah. So with that recommended side, I've also considered and factored in that government co contribution as well based on the research there.\n\nSo the thing I do like, as much as there is a CGT consequence for making the change in the investments, it also is cheaper. So this new core product within Hub 24, it saves you a $187 for the year on administration fees, so it makes your admin fees cheaper. It's also gonna reduce your investment fees by a $163 as well. So, overall, you're saving about $350 a year in admin and investment fees, which is good. That money stays in your super working harder for you.\n\nOkay? The ongoing service fee is, yeah, a little bit lower as well, which is good because the balance is dropping with the change. And the net contribution there, that's your employment contributions plus your non concessional contribution of $20 per week. Plus we've also factored into that the $500 for the government co contribution. So that's essentially showing what the contribution should be for the year, total between all of those things for you.\n\nOkay? Beautiful. Now underneath that, you'll also see... It doesn't look like it has come in yet. I'm just looking at the transactions.\n\nSo it doesn't look like the government co contribution has come in yet. So, hopefully, in the next few months, it'll appear automatically. Yeah. They're quick to take the money. They're good to hold on to it, though, aren't they?\n\nYeah. Now at the bottom of that, the investor profile, you'll see next to the... In the recommended column, the balanced option. So this is moving you down from that balanced growth environment to balance. So lowering your risk, saving you on fees, but the newer SMA product has also performed better than your current super investments as well.\n\nSo it's averaging 5.72%. Essentially, that is a good conservative rate of return for this sort of environment, and getting that consistently over time can help for you... You know, can help you to draw down the income that you do need. This portfolio can obtain a much greater return. You know, we are gonna see years of negative returns and good returns and things like that.\n\nWe just need to kinda keep monitoring it with you, seeing how it's performing, and watching your draw downs to make sure that you're always earning the income that you need, but that your super is, you know, performing and kicking along nicely as well. Okay? Beautiful. Do you have any questions about that table at all? No?\n\nBeautiful. Underneath that, you'll see there is a projection table. I've only done one year of projections because you are essentially planning to retire next year. I didn't wanna sort of show you too much. So we're looking at, you know, making this change now so that when you retire next year, this is essentially looking at what the projected outcome shows.\n\nYou can sort of see by saving fees, by moving into the SMA product, and with your contributions there, it's only a difference of $52 for the year in the projected outcome of your balance, which is pretty good. Yeah. Beautiful. If we go down to the next page there, you'll see the annualized returns. Now this is just showing you the difference between your current product and how it has performed versus the SMA when we look at twelve months, three years, and five years.\n\nSo you can sort of see in that recommended... The the newer investment product has performed pretty well long term, and you can sort of see over three years it has potential for about 9%. So we use a five year rolling average with that 5.72 a because it gives a more conservative projected outcome. But, realistically, this portfolio could perform much greater than that 5%. Realistically, this portfolio could perform much greater than that 5%.\n\nOkay? Yeah. Beautiful. Do you have any questions there, Robin? I know it can be a lot, and I'm so sorry.\n\nYep. Beautiful. Now what I'll get you to do is we'll scroll down a little bit more, and we'll head down to page number... Sorry. Number 30 on mine.\n\nSo number 31 on yours, and this is Frank's sofa. Beautiful. Beautiful. Yep. I can hear you both.\n\nYou still there? Beautiful. So, Frank, this one's basically yourself, and it did the exact same thing. I had a look at how your super was performing, looked at the different platforms, looking at how everything was structured now and with your current balance sitting in there. Essentially, I am recommending again the exact same thing that we do, you know, essentially retain hub 24, but move you into that new SMA product that we've got available.\n\nUtilizing and making sure it's managed correctly, it, again, is reducing your risk level within the market there, and it's also giving... You know, making sure that we can make changes to your super as as needed to make sure it's always working harder for you. Just because we're in this SMA product doesn't mean we need... Don't need to review it. We still need to review it with you to make sure it is working harder to make changes, And there might be a time where we, you know, reduce the risk even more essentially down the track, but we'll kinda keep reviewing it with you to see how comfortable you both are with this.\n\nAgain, with yourself, Frank, it's just about retaining hub 24. In the back end, we'll move you out of into the core product. It's just the back end switch of the actual product or the menu of Hub 24. And then we will complete the sale and the switching of your investments and move you into the Grove SMA or separately managed account as it's actually called. For yourself, Frank, your CDT consequence on this is expected to be 1300 and 17, so definitely lower than Robin's.\n\nHowever, we are still saving on fees for that. Okay? Excellent. If you can move down for me just to page number 38 a month, so 39 on yours, And this is your fee comparison table. Yep.\n\nBeautiful. So we've got the current recommended there. So the current with your super balance sitting there at $8,880.01, and then we've also got your administration fees, investment fees, any other fees applicable there, your ongoing service fee. You're not paying in any contributions in currently, and there's no insurance premiums coming out. Looking at the way you are invested, it's, again, that balanced growth kind of environment there, and your portfolio has averaged about 4.10% over the past five years.\n\nSo with the recommended, we understand the CDT consequence is 1,317. That essentially means that after making the switch, we expect your balance to be at $87,004.84. We still understand there are administration fees and investment fees, but they are definitely cheaper. So the same as with Robin Super, by making the switch, we'll save you $215 for the year in administration fees, and then we'll also save another $100 in investment fees there. So all up for the year, it's saving you about $315 in administration fees and investment fees as well, which is good.\n\nOkay. Absolutely. Definitely. At the very bottom there, again, you're going going into that balanced portfolio over the balanced growth. So we're reducing our risk level within the market and adding those additional protections with the management side of things through the SMA there.\n\nAnd this SMA has averaged 5.72%. So that, when you look at it, can have more of a significant change for yourself because your CGT consequence is a little bit lower. Your balance is a little bit lower as well. The projected outcome's a little bit better for yourself. So we do expect you to be in front by that $222 over the next twelve months with this one.\n\nSo it's putting you in front, which is great. Okay? Yeah. Yeah. Excellent.\n\nAnd then on the next page there, we've got the recommended and the current portfolios. The returns, they are the same as above, but just showing you how they have performed side by side over the past twelve months, three years, and five years there for you. Okay? Excellent. Do you have any questions at all, Frank?\n\nYou're welcome to let me know if you do. Beautiful. Excellent. I would definitely wanna make sure we kinda build on that. I like a conservative projection so that we're not overestimating, but just making sure that we touch base with you and keep updating things to see how it's all going, keep monitoring it, and maybe do six monthly catch ups as well to sort of see how it's all tracking for you both as well.\n\nOkay? K. Excellent. Yes. Yes.\n\nYes. I'll update that for you. Sorry about that. It's... It is it is protecting your whole one year away.\n\nSo... Because you're nearly 70, realistically, in this this time next year, you'll be almost 71. But I don't want you to feel like I'm making you older than you really are. It's just more with the age you're turning. Sorry about that.\n\nI'm glad you're proud of that. You've done really well. I want you to enjoy the rest of you. You still got a lot of living to do. Absolutely.\n\nThe next page down is just basically a run over of the investment asset allocation there. But if you go down to page number 42, you'll have the recommended investment table, and that is showing you, Frank, essentially what investments you have currently, how they will all be essentially either sold down or transferred. So at the bottom of that table again, you'll just see you'll have 20 four exactly as it is now, but the investment you'll see is the growth, and you'll see your balance in there. Beautiful. And, again, this table is showing...\n\nThis needs to be updated because your balance has changed a little bit from when we completed this. So I'll just go back and get my team to update that, and we'll resend it through to you later. Okay? Beautiful. Excellent.\n\nNow if we kind of keep going on, I also wanted to have a little bit of a look at the retirement aspect. So this will be reviewed with you both as we get closer to it, and we'll do a review with you next year prior to you retiring there, Robin. But moving down to page number 44, you'll see here it's got Frank and Robin strategy recommendations, and this is about moving into that pension phase when you turn 60 seven. Beautiful. So because this is essentially part of the short term, and we know that next year you'll be 67 in November, and your goal is to essentially retire there.\n\nIt was appropriate to factor this into the recommendations to sort of look at the Centrelink side of things, but also what the expected drawdown might look like or how much you'll need to drawdown to cover your living expenses to meet your goal. One of the things we sort of talked about was that between the both of you, you wanted to live on about $2,000 per fortnight. Is that still fairly accurate? Yep. Well, it's actually just increased a little bit, and I'll show you what that is.\n\nLet's go down a little bit. Let's go down to... I'm just going forward a little bit. If we can go down to page number 51, I can show you what that looks like. Yeah.\n\nSo they've just increased it. The age pension is assessed, or a few of the Centrelink pensions are assessed essentially twice a year around the March 20 and September. And when they need to be, they are indexed and increased to keep up with inflation. So this all has been updated very recently. So currently, the age pension is paying out 933 per person a fortnight.\n\nSo 1,866 per fortnight for the two of you as a combined, That's full age pension. And having a look at your assets both with the projected super balance and everything you've got noted, you are both essentially looking to be eligible for full age pension there, which is great. No. No. You actually get more.\n\nSo the age pension, I actually have the single for you. Get that. So for a single person, the full is $1,237.70 per fortnight. How much is he getting at the moment? Yeah.\n\nWell, it'll get easier. It'll get better. You're so close. Yeah. But, no, honestly, look, having a look at everything, I did go back and we had a look at the the availability there.\n\nYou're both going to... You... With what we can see and project out, we'll be under the threshold there. So eligible for full age pension, which essentially gives you that 1,866 per fortnight. Now the other thing that we wanted to look at was how to supplement that because you talked about how, realistically, you need about $1,000 a week to live, so $2,000 per fortnight.\n\nSo what we've also made a recommendation on for both of you is that as of you retiring and turning 67, Robin, we will move both of you into pension phase. Moving you both into pension phase within the hub 24, we'll keep you in that estimate, and we'll review this prior to because, you know, prior to you actually retiring in November next year or earlier than that, the Centrelink age pension is also gonna be reviewed twice. So it may go up in value, which means you may not have to draw anything out of your super, which means we can change the strategy. But right now, looking at where we're projecting out, with the current age pension eligibility, we need to draw a little bit out of your super to supplement the age pension side of things. Based on your two current balances, you are both gonna have to draw the minimum pension payment.\n\nEssentially, with the eighteen eighteen sixty six on a fortnightly basis, you only really need to draw essentially a bit over... Bit under $200 to kind of, you know, cover you. But withdrawing the the minimum... Withdraw the minimum pension payment out from your super on a yearly basis. Essentially, Robin, for yourself, it will actually only be $275.04 per fortnight or 7,000 for the year.\n\nOkay? Oh, that's okay. You're right. I'm just scrolling back. Sorry.\n\nMy computer's having a bit of a moment. I had to keep... It's on page 46. Yeah. And you'll see a little table there.\n\nSo, essentially, you've both wanted to between you'd be able to have that 2,000 per fortnight, which gives you $52,000 a year for living by drawing out the minimum. And as at your age, 67, you... At the moment, it's a 5% minimum that you have to draw out of your account based pension within Super. So it means that based on the projected balance, you'll have to draw $7,151.04 per year. That equates to a regular fortnightly drawdown of $275.04.\n\nThat plus your age pension entitlement of 933 is expected to give you $1,208.04 per fortnight just for yourself there. Okay? Frank, your ascent drawdown is a little bit lower. I'm just scrolling down. If you can go to page number 55 for me, this has got your little table showing your expected drawdown.\n\nBeautiful. Beautiful. So with this one here, based on your projected balance, as at the time that Robin's retiring, rather about the age 67 mark, we're looking at drawing down again. It's 5% minimum based on your age, and it's essentially a $170 per fortnight for yourself or based on your balance, 4,421 for the year. Again, adding that to your age pension entitlement of $933 per fortnight essentially gives you $1,103.07.\n\nAll up, this is essentially giving you both an income for the year between Centrelink and a... And your account based pension of $60,088.79. So it's a little over $8,000 above your required income of $52,000 a year. I do like that because it gives you a buffer. We know living expenses increase.\n\nWe might wanna take holidays. You can put that extra little bit of money away, you know, take a trip or whatever you need to do. But it does give you a little bit of that $8,000 extra per year just as a bit of a buffer there and allows you to have a little bit of extra. I do like the idea of drawing smaller amounts out on a fortnightly basis rather than lump sums over the course of the year as well because your income and capital growth can can help with the drawdown. So taking smaller amounts out on a regular basis, a, replenishes your income to what you need, but also has less than...\n\nCan have less of an effect on your super rather than a big lump sum, essentially, if that makes sense. Yeah. So when I sort of work this out per fortnight, so that $60,088.79, it actually equates to giving you both a combined income of $2,311 per fortnight. So just over that $2,000 mark, giving you a little bit of an income buffer. Okay?\n\nBeautiful. Now the other reason I am recommending that at that time we move you both into pension phase is that pension phase, whilst you are required to draw down a minimum income payment, which at the moment is needed to boost your income for your required expenditure, it's also a tax free environment. So at the moment, your supers are in the accumulation phase. It's where we're accumulating wealth. That phase of super is taxable.\n\nSo your super fund pays capital gains tax. It also pays income tax. When we move into that pension phase completely and you're fully retired, that phase is completely tax free for your super fund. Your super fund no longer pays income tax or capital gains tax on changes within your investments there. So that is a positive thing as well, tax free environment.\n\nYeah. Do you... Either of you have any questions? I know this can be a lot. You're welcome to let me know.\n\nNo. So, realistically, Frank can move now. We did talk about that last time, and he kinda wanted to not because once he moves into that pension phase, you have to draw down a minimum every year. So they they force you to take money out. We talked about that last time, and Frank decided he wanted to hold off until you were ready to retire and move into that pension phase then.\n\nIf he changes his mind and wants too early, you absolutely can. It's just that, yeah, you do have to draw down a minimum... A balance from your super every year to meet that pension requirement. So if you don't need to do it yet, keeping it as it is is preferable, and then we move into pension phase. Yeah.\n\nKeep it growing as much as possible, and then we move into pension phase next year. Yeah. Yeah. Beautiful. Yeah.\n\nAnd, look... Oh, good. And, Robin, look, you don't have to be 67. We've sort of made mention '67 is when you were, you know, wanting to retire. But as I said, we'll do a review with you next year prior to that.\n\nIf anything changes, if you wanna retire beforehand, that's absolutely fine. We'll just revisit the numbers. We'll just revisit the numbers, look at what the Centrelink drawdown looks like, and look at what you need to live on and how you draw your pension payments out. So we might just update this strategy next year as well, and that's absolutely fine. But this is giving you an idea of what that looks like.\n\nOkay? Yeah. Beautiful. It's giving you a bit of clarity around those income draw downs, showing you that you can draw a little bit out of your super, keep the most of it invested, and being eligible for full age pension to supplement that will give you the income you need, and you're not drawing much out of super on a yearly basis. So it'll still be invested working, growing, building, and paying down some income payments for you as well.\n\nHow does that sound? Yeah. Yeah. Beautiful. How does that look?\n\nHow's that kinda giving you a bit of clarity for the moment? Do you have any questions in relation to any of that so far? No. Beautiful. The last thing I just wanted to show you, Bryce, was on page number 59.\n\nThis is the beneficiary nomination for when you do move into that pension phase. Beautiful. Now at the moment, you both have beneficiary nominations on file, and they're absolutely perfect the way they are. However, when you move into that pension phase, it's good to update the beneficiary. What I'm recommending is that when you both move into that account based pension phase, we update your beneficiary nomination to be a reversionary beneficiary.\n\nThese are a really cool kind of beneficiary nomination. Essentially, a reversionary beneficiary is only available in the pension phase. And what that essentially does is if one of you were to then pass away, with the income drawdowns coming out of the account based pension, on the... Under a normal binding nomination, those pension payments stop, and the other staff has to claim the death benefit to be able to continue receiving money from that super fund. With a reversionary beneficiary, if Frank or Robin, if either of you were to pass away and you're receiving that regular income payment out of your super fund, that would continue without question.\n\nIt would continue to your spouse. It essentially allows the income payments to continue being paid to the other member once the member has passed away without ceasing. One of the biggest things I have found in the past is that when one member passes away, your expenditure can get a little bit more. People come to town. There's funeral expenses.\n\nThere's time that you need to, you know, cover up bills and funerals and things like that. People coming into town, you might be spending more on food. You might have to travel somewhere else. So those sorts of expenses tend to come out of the blue. But what doesn't stop is your regular food bills, your electricity bills, your car payments, your rates, your things like that, insurance costs.\n\nThings like those don't actually stop. They continue. So this reversionary beneficiary allows each of you to still receive the regular income drawdown from your spouse's super if they were to pass away without stopping. So it allows your expenditure to remain exactly as it is throughout that time. You can also drawdown extra money when need be, which is absolutely fine, but this just continues those draw downs for you on a regular basis.\n\nSo it keeps your pension payment paid down continually without stopping so that you can continue to pay for your regular expenses at that time. Does that make sense? Yeah. That's just one of the things I do like about that reversionary beneficiary there. Underneath that box, you will sort of see we have the best interest duty noted there.\n\nIn all of these recommendations, we've outlined the best interest Judy. It links back why we've made the recommendation and how that works for you. We've also got in there advantages, disadvantages, and risks involved of all the different strategies that you're welcome to sort of walk through and have a bit of a look at. I will just get those two tables updated for you with the balance just so that can be reflect... Reflected correctly, and I'll have this document resent out to you for signing later on.\n\nIs that okay? Beautiful. Do either of you have any questions at the moment at all? No? Oh oh, good.\n\nEssentially, how implementation will go is nice and easy. Once you're happy with the recommendations, we'll get you both to sign the document. You'll send... It'll come back to us automatically. All we need to do now is the investments which within your so far so that we can, you know, change the the the menu in the back end and the investments that you're invested in.\n\nThat's all that changes at the moment, and then we'll come back and review that. And then we'll do your normal annual review next year. We'll have a look at the... Either updated pension payments, what this... What Centrelink may have changed to, what your income drawdowns look like, and making sure that you're still on track to retire.\n\nAnd then we can update this if we need to. Worst case, if it's just a change in numbers, it could just be a simple record of advice, which would be nice and easy to update for you. But we'll review that section of it next year for you both. And if you find you wanna retire earlier, then we get to touch base on you. Just let me know, and I will come back and readjust everything for you.\n\nIs that okay? Yep. Beautiful. Lovely. That is basically the entire document.\n\nThere's nothing else to kind of mention except that you are an an ongoing client, so you pay the ongoing service fee for your both. It is 1.10% still this year. There's no implementation fees for the advice. That's all part of what we do and part of the services we provide. And the last thing is just to thank you for the opportunity.\n\nI've really enjoyed putting this together for you. So thank you for allowing me the opportunity to help you out. Not at all. I will let you both go... Sorry.\n\nNo. Never. I really enjoy this, honestly. Feel free to take it back and have a bit of a read through it. What I'll do is I'll just get that little bit updated for you, and we'll resend the document out to you to sign.\n\nAnd then once you're happy to sign it, we'll get it back. Okay? Yeah. Yeah. So you'll get two new email links in there.\n\nYeah. My pleasure. Thank you so much for your time. I hope you both have a lovely afternoon. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Robin.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.13952860981225967},{"text":"It's Dana from Okie Financial.","start":2.48,"end":4.02,"sentiment":"neutral","sentiment_score":0.18802724182605743},{"text":"How are you this morning?","start":4.16,"end":5.38,"sentiment":"neutral","sentiment_score":0.2531210660934448},{"text":"I'm very well.","start":7.52,"end":8.48,"sentiment":"positive","sentiment_score":0.642066240310669},{"text":"Thank you.","start":8.48,"end":8.88,"sentiment":"positive","sentiment_score":0.6918832957744598}],"sentiment":"positive","sentiment_score":0.3408684748060563,"num_words":17,"start":1.8399999,"end":8.88},{"sentences":[{"text":"Thank you for asking.","start":8.88,"end":9.84,"sentiment":"positive","sentiment_score":0.6601375341415405},{"text":"I had yourself and Frank both booked in to go through your updated statement of advice.","start":9.84,"end":13.679999,"sentiment":"positive","sentiment_score":0.363538078032434},{"text":"Is now still a good time for you both?","start":13.679999,"end":15.585,"sentiment":"neutral","sentiment_score":0.33227402965227765},{"text":"Fantastic.","start":18.225,"end":18.725,"sentiment":"positive","sentiment_score":0.4956235885620117},{"text":"Can you hear me okay?","start":23.744999,"end":25.045,"sentiment":"neutral","sentiment_score":0.2688110828399658}],"sentiment":"positive","sentiment_score":0.37963727584906987,"num_words":35,"start":8.88,"end":25.045},{"sentences":[{"text":"Perfect.","start":27.425,"end":27.825,"sentiment":"positive","sentiment_score":0.45379364490509033},{"text":"How are you this morning, Frank?","start":27.825,"end":29.185,"sentiment":"neutral","sentiment_score":0.29140594601631165},{"text":"Good to hear your voice.","start":29.185,"end":30.404999,"sentiment":"neutral","sentiment_score":0.3227821946144104},{"text":"Very good.","start":33.74,"end":34.3,"sentiment":"positive","sentiment_score":0.5140450298786163},{"text":"How's your week been?","start":34.3,"end":35.600002,"sentiment":"neutral","sentiment_score":0.2375788576900959}],"sentiment":"neutral","sentiment_score":0.321919210255146,"num_words":18,"start":27.425,"end":35.600002},{"sentences":[{"text":"Not necessarily a bad thing, though, is it?","start":39.420002,"end":41.760002,"sentiment":"neutral","sentiment_score":0.05873177666217089},{"text":"Yeah.","start":47.234997,"end":47.394997,"sentiment":"neutral","sentiment_score":0.018291961401700977},{"text":"Understandable.","start":47.394997,"end":47.894997,"sentiment":"neutral","sentiment_score":0.08941858261823654},{"text":"All good.","start":48.594997,"end":49.414997,"sentiment":"neutral","sentiment_score":0.22440195828676224},{"text":"Well, just before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":50.035,"end":54.515,"sentiment":"neutral","sentiment_score":0.03723091356780218}],"sentiment":"neutral","sentiment_score":0.053790848170007975,"num_words":35,"start":39.420002,"end":54.515},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":54.515,"end":56.534996,"sentiment":"neutral","sentiment_score":0.08832064270973206},{"text":"Fantastic.","start":57.954998,"end":58.454998,"sentiment":"neutral","sentiment_score":0.3136124312877655},{"text":"And just a little quick security check, I just need to confirm...","start":58.515,"end":61.899998,"sentiment":"neutral","sentiment_score":0.10502190701663494},{"text":"You both to confirm your full name, your date of birth, and your address.","start":61.899998,"end":65.6,"sentiment":"neutral","sentiment_score":0.0497259364596435},{"text":"Mhmm.","start":70.54,"end":71.04,"sentiment":"neutral","sentiment_score":0.023076463490724564}],"sentiment":"neutral","sentiment_score":0.08345947767028937,"num_words":37,"start":54.515,"end":71.04},{"sentences":[{"text":"Yep.","start":74.22,"end":74.415,"sentiment":"neutral","sentiment_score":0.01807131990790367},{"text":"Yep.","start":82.175,"end":82.675,"sentiment":"neutral","sentiment_score":0.019264807924628254},{"text":"Beautiful.","start":83.295,"end":83.795,"sentiment":"neutral","sentiment_score":0.07978324592113495},{"text":"Yep.","start":87.455,"end":87.75,"sentiment":"neutral","sentiment_score":0.024803590029478073},{"text":"Beautiful.","start":93.83,"end":94.33,"sentiment":"neutral","sentiment_score":0.2948264479637146}],"sentiment":"neutral","sentiment_score":0.08734988234937191,"num_words":5,"start":74.22,"end":94.33},{"sentences":[{"text":"Thank you so much for that.","start":94.39,"end":96.01,"sentiment":"positive","sentiment_score":0.5268329580624899},{"text":"Now I have just sent you both an email with the updated statement of advice there.","start":96.07,"end":99.75,"sentiment":"neutral","sentiment_score":0.2910499144345522},{"text":"Are you able to open up that email at all and review that with me?","start":99.75,"end":103.725,"sentiment":"neutral","sentiment_score":0.18483951985836028},{"text":"Even if one of you wanted, that's absolutely fine.","start":103.885,"end":106.225,"sentiment":"neutral","sentiment_score":0.07813513899842899},{"text":"Yeah.","start":109.325,"end":109.645,"sentiment":"neutral","sentiment_score":0.04869118705391884}],"sentiment":"neutral","sentiment_score":0.24132545989878634,"num_words":47,"start":94.39,"end":109.645},{"sentences":[{"text":"You're right.","start":109.645,"end":110.465,"sentiment":"neutral","sentiment_score":0.04743428900837898},{"text":"Yeah.","start":150.37,"end":150.76999,"sentiment":"neutral","sentiment_score":0.2457231730222702},{"text":"It was really good.","start":150.76999,"end":151.98999,"sentiment":"positive","sentiment_score":0.430754154920578},{"text":"Went down to Victoria and saw the Great Ocean Road.","start":152.37,"end":155.98999,"sentiment":"neutral","sentiment_score":0.24352432936429977},{"text":"It's beautiful, isn't 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day.","start":264.68,"end":272.845,"sentiment":"neutral","sentiment_score":0.05946781907392585},{"text":"Yep.","start":281.19,"end":281.69,"sentiment":"neutral","sentiment_score":0.03289999067783356},{"text":"Yep.","start":281.75,"end":282.25,"sentiment":"neutral","sentiment_score":0.03109633177518845},{"text":"Yes.","start":284.95,"end":285.45,"sentiment":"neutral","sentiment_score":0.05084329843521118},{"text":"Yes.","start":285.75,"end":286.25,"sentiment":"neutral","sentiment_score":0.07351438701152802}],"sentiment":"neutral","sentiment_score":0.057633846170372434,"num_words":27,"start":264.68,"end":286.25},{"sentences":[{"text":"Well, we...","start":286.31,"end":287.05002,"sentiment":"neutral","sentiment_score":0.1599675640463829},{"text":"I'm so glad we did it when we did because we...","start":287.11002,"end":289.35,"sentiment":"positive","sentiment_score":0.40684900229627435},{"text":"It was just outside of school holidays.","start":289.35,"end":291.21002,"sentiment":"neutral","sentiment_score":-0.02810425896729742},{"text":"And when we were coming back, it was starting to get very busy because Victoria was starting holidays.","start":291.485,"end":296.865,"sentiment":"neutral","sentiment_score":-0.09267434726158778},{"text":"So I was glad that we did it not school holiday time because it would have been so crazy busy.","start":297.165,"end":303.425,"sentiment":"positive","sentiment_score":0.5869110986590386}],"sentiment":"neutral","sentiment_score":0.2529073803974637,"num_words":58,"start":286.31,"end":303.425},{"sentences":[{"text":"Beautiful.","start":308.52,"end":309.02,"sentiment":"positive","sentiment_score":0.7867668271064758},{"text":"Beautiful.","start":309.24,"end":309.74,"sentiment":"positive","sentiment_score":0.6987682580947876},{"text":"So when you open the email there, it does ask you to click to sign.","start":309.8,"end":313.0,"sentiment":"neutral","sentiment_score":0.19723669985930126},{"text":"That's just so you can go forward and review the document there.","start":313.0,"end":315.9,"sentiment":"neutral","sentiment_score":0.22349213560422262},{"text":"Just let me know when you can see the document.","start":316.28,"end":318.28,"sentiment":"neutral","sentiment_score":0.12725585103034973}],"sentiment":"neutral","sentiment_score":0.21534742873448592,"num_words":39,"start":308.52,"end":318.28},{"sentences":[{"text":"It'll just say statement of advice with both of your names on the front of it.","start":318.28,"end":321.92502,"sentiment":"neutral","sentiment_score":0.1075881477445364},{"text":"Yep.","start":340.0,"end":340.5,"sentiment":"neutral","sentiment_score":0.11297492682933807},{"text":"Yep.","start":340.63998,"end":341.03998,"sentiment":"neutral","sentiment_score":0.123194620013237},{"text":"And then it will take you forward so you can view each of the documents.","start":341.03998,"end":344.66,"sentiment":"neutral","sentiment_score":0.13334613343079885},{"text":"And the first one you'll be looking at will be statement of advice, and it has Frank and Robin Wilkinson on the front of it.","start":344.8,"end":350.535,"sentiment":"neutral","sentiment_score":0.06734639897942543}],"sentiment":"neutral","sentiment_score":0.09726606701211683,"num_words":58,"start":318.28,"end":350.535},{"sentences":[{"text":"Yep.","start":364.53,"end":365.03,"sentiment":"neutral","sentiment_score":0.030348515138030052},{"text":"Oh, okay.","start":372.435,"end":372.915,"sentiment":"neutral","sentiment_score":0.011716455686837435},{"text":"That's just sort of...","start":372.915,"end":374.45502,"sentiment":"neutral","sentiment_score":-0.012428610352799296},{"text":"Has it has it gone through?","start":374.755,"end":376.035,"sentiment":"neutral","sentiment_score":-0.027399413287639618},{"text":"Have you signed anything as of yet, or are you just looking at the document?","start":376.035,"end":379.075,"sentiment":"neutral","sentiment_score":-0.02768396077056726}],"sentiment":"neutral","sentiment_score":-0.020556746649422815,"num_words":28,"start":364.53,"end":379.075},{"sentences":[{"text":"So when you click the button that says click to sign, it should move forward so you can view the document and scroll up and down through it.","start":379.075,"end":385.77,"sentiment":"neutral","sentiment_score":0.06455926603770681},{"text":"Mhmm.","start":389.12997,"end":389.62997,"sentiment":"neutral","sentiment_score":-0.03408527374267578},{"text":"Yep.","start":394.88998,"end":395.38998,"sentiment":"neutral","sentiment_score":-0.015844285488128662},{"text":"Mhmm.","start":399.28998,"end":399.78998,"sentiment":"neutral","sentiment_score":-0.021785445511341095},{"text":"So it's...","start":410.915,"end":411.39502,"sentiment":"neutral","sentiment_score":-0.02189394924789667}],"sentiment":"neutral","sentiment_score":0.05127747108538946,"num_words":33,"start":379.075,"end":411.39502},{"sentences":[{"text":"It wants to basically to notify your location so that it can register where you're signing from.","start":411.39502,"end":417.37003,"sentiment":"neutral","sentiment_score":-0.003549652502817266},{"text":"So you might just need to allow that this time or allow that to to do it for you.","start":417.83002,"end":422.81,"sentiment":"neutral","sentiment_score":0.048850816723547484},{"text":"No.","start":437.20502,"end":437.445,"sentiment":"neutral","sentiment_score":-0.19861529767513275},{"text":"That doesn't look right.","start":437.445,"end":438.66,"sentiment":"neutral","sentiment_score":-0.2544151358306408},{"text":"Can you go out of the email for me and back into it?","start":440.5,"end":443.96,"sentiment":"neutral","sentiment_score":-0.07727130846335338}],"sentiment":"neutral","sentiment_score":-0.025055211589292244,"num_words":54,"start":411.39502,"end":443.96},{"sentences":[{"text":"And then what does it say when you open the email?","start":454.345,"end":457.405,"sentiment":"neutral","sentiment_score":-0.058702871880748055},{"text":"Yep.","start":464.10498,"end":464.60498,"sentiment":"neutral","sentiment_score":0.000610481365583837},{"text":"And...","start":464.745,"end":465.245,"sentiment":"neutral","sentiment_score":-0.004533544182777405},{"text":"Beautiful.","start":466.26498,"end":466.76498,"sentiment":"neutral","sentiment_score":0.12929368019104004},{"text":"Is there...","start":467.52,"end":468.26,"sentiment":"neutral","sentiment_score":0.030161524191498756}],"sentiment":"neutral","sentiment_score":-0.02875237030821154,"num_words":16,"start":454.345,"end":468.26},{"sentences":[{"text":"Can you see a link with the document on the front there at all, or is it just sort of say click to sign?","start":468.56,"end":474.08,"sentiment":"neutral","sentiment_score":-0.043074714563166104},{"text":"What does it tell you there?","start":474.08,"end":475.46,"sentiment":"neutral","sentiment_score":-0.06967074610292912},{"text":"Yep.","start":484.485,"end":484.985,"sentiment":"neutral","sentiment_score":0.06931222975254059},{"text":"Yep.","start":485.525,"end":486.025,"sentiment":"neutral","sentiment_score":0.05801890790462494},{"text":"That's really unusual.","start":500.1,"end":501.40002,"sentiment":"negative","sentiment_score":-0.4558747311433156}],"sentiment":"neutral","sentiment_score":-0.07691744805446693,"num_words":35,"start":468.56,"end":501.40002},{"sentences":[{"text":"Normally, when you press that sign or...","start":502.42,"end":504.34003,"sentiment":"neutral","sentiment_score":-0.06732449520911489},{"text":"Sign document or sign request, it allows you to go forward so you can see the document there.","start":504.34003,"end":508.695,"sentiment":"neutral","sentiment_score":0.04383255603412787},{"text":"If you go back up in the email, is there any other buttons or any other There's nothing else at the top of the email there at all?","start":508.935,"end":534.345,"sentiment":"neutral","sentiment_score":-0.031829608704096506},{"text":"Nope.","start":535.94495,"end":536.26495,"sentiment":"neutral","sentiment_score":-0.12037302553653716},{"text":"That's okay.","start":536.26495,"end":536.90497,"sentiment":"neutral","sentiment_score":0.002538970671594141}],"sentiment":"neutral","sentiment_score":-0.012300171174242027,"num_words":56,"start":502.42,"end":536.90497},{"sentences":[{"text":"What I might do is I'm just gonna send you another email, just a separate one with the document attached because it looks like to allow you to review it, it wants you to kind of allow the settings to register, and it might take a little bit longer.","start":536.90497,"end":555.04,"sentiment":"neutral","sentiment_score":0.038191519069428345},{"text":"So what I'll do is I will send you the statement of advice separately in another email, which will come through in a second.","start":555.66,"end":563.135,"sentiment":"neutral","sentiment_score":0.11670971754938364},{"text":"And then you'll be able to read it over with me.","start":565.195,"end":568.41504,"sentiment":"neutral","sentiment_score":0.13791968402537433},{"text":"And then when you've got some time later on, if you wanna review the email, you can...","start":568.555,"end":573.515,"sentiment":"neutral","sentiment_score":0.04564500244005638},{"text":"You'll be able to go back in.","start":573.515,"end":575.215,"sentiment":"neutral","sentiment_score":0.04359788421009268}],"sentiment":"neutral","sentiment_score":0.0673211519520178,"num_words":108,"start":536.90497,"end":575.215},{"sentences":[{"text":"And then when you...","start":575.55,"end":576.51,"sentiment":"neutral","sentiment_score":0.009055968839675188},{"text":"When...","start":576.51,"end":576.91,"sentiment":"neutral","sentiment_score":0.004324748180806637},{"text":"And if you are deciding you are ready to sign the document, then you can go through that process there.","start":576.91,"end":581.49,"sentiment":"neutral","sentiment_score":0.04644950274378061},{"text":"Because it looks like it kinda wants you to go into settings and, you know, basically allow it to go through the process, but it might be a little bit longer.","start":581.79,"end":589.79,"sentiment":"neutral","sentiment_score":-0.005745151951428383},{"text":"So, Robin, are you in your emails?","start":589.79,"end":593.205,"sentiment":"neutral","sentiment_score":0.004543693070965154}],"sentiment":"neutral","sentiment_score":0.013067378085993585,"num_words":63,"start":575.55,"end":593.205},{"sentences":[{"text":"Yep.","start":595.585,"end":595.905,"sentiment":"neutral","sentiment_score":-0.004144307225942612},{"text":"I'm just emailing this one to yourself.","start":595.905,"end":597.84503,"sentiment":"neutral","sentiment_score":-0.07243641465902328},{"text":"Oh, you're in Frank's.","start":600.705,"end":601.66504,"sentiment":"neutral","sentiment_score":-0.011173983570188284},{"text":"That's okay.","start":601.66504,"end":602.485,"sentiment":"neutral","sentiment_score":0.04056726396083832},{"text":"I will send it through again.","start":602.545,"end":604.805,"sentiment":"neutral","sentiment_score":0.025923534917334717}],"sentiment":"neutral","sentiment_score":-0.01596097033470869,"num_words":20,"start":595.585,"end":604.805},{"sentences":[{"text":"Is it letting you move up and down?","start":615.96,"end":617.8,"sentiment":"neutral","sentiment_score":0.038342803018167615},{"text":"So when you get to that point, it's showing you the document.","start":617.8,"end":620.3,"sentiment":"neutral","sentiment_score":0.037887077468136944},{"text":"You can normally move through the pages go...","start":620.36,"end":623.055,"sentiment":"neutral","sentiment_score":0.021734937792643905},{"text":"Going up and down.","start":623.055,"end":624.015,"sentiment":"neutral","sentiment_score":0.010675122262910008},{"text":"Is it allowing you to do that?","start":624.015,"end":625.71497,"sentiment":"neutral","sentiment_score":0.030746645959360257}],"sentiment":"neutral","sentiment_score":0.03059471453516147,"num_words":39,"start":615.96,"end":625.71497},{"sentences":[{"text":"It is.","start":629.455,"end":630.195,"sentiment":"neutral","sentiment_score":0.05406620725989342},{"text":"Okay.","start":632.015,"end":632.515,"sentiment":"neutral","sentiment_score":0.0947728157043457},{"text":"Beautiful.","start":632.575,"end":633.075,"sentiment":"neutral","sentiment_score":0.0971461459994316},{"text":"Yeah.","start":636.33496,"end":636.83496,"sentiment":"neutral","sentiment_score":-0.015615183860063553},{"text":"No.","start":637.7,"end":637.86005,"sentiment":"neutral","sentiment_score":-0.17344316840171814}],"sentiment":"neutral","sentiment_score":0.01849883732696374,"num_words":6,"start":629.455,"end":637.86005},{"sentences":[{"text":"No.","start":637.86005,"end":638.18005,"sentiment":"neutral","sentiment_score":-0.12171787023544312},{"text":"You can do it later.","start":638.18005,"end":639.14,"sentiment":"neutral","sentiment_score":-0.02142939865589142},{"text":"That's absolutely fine.","start":639.14,"end":640.60004,"sentiment":"positive","sentiment_score":0.39399463931719464},{"text":"If you...","start":641.54004,"end":642.10004,"sentiment":"neutral","sentiment_score":0.10353827103972435},{"text":"If it's letting you look at that document, is it letting you scroll back to the very first page?","start":642.10004,"end":646.58,"sentiment":"neutral","sentiment_score":0.01101561792586979}],"sentiment":"neutral","sentiment_score":0.04564974457025528,"num_words":30,"start":637.86005,"end":646.58},{"sentences":[{"text":"It says statement of advice.","start":646.58,"end":648.12,"sentiment":"neutral","sentiment_score":-0.014509983733296395},{"text":"That's that's okay.","start":654.195,"end":656.035,"sentiment":"neutral","sentiment_score":0.2779515932003657},{"text":"Is it letting you scroll back so you can see the first page of the advice document?","start":656.035,"end":660.13495,"sentiment":"neutral","sentiment_score":0.07015668688451543},{"text":"It's got statement of advice and your names on the front of it?","start":660.435,"end":663.12,"sentiment":"neutral","sentiment_score":0.05039914124287092},{"text":"Yep.","start":668.96,"end":669.12,"sentiment":"neutral","sentiment_score":0.15972724556922913}],"sentiment":"neutral","sentiment_score":0.0709970415307161,"num_words":39,"start":646.58,"end":669.12},{"sentences":[{"text":"Yep.","start":669.12,"end":669.44,"sentiment":"neutral","sentiment_score":0.27346092462539673},{"text":"Beautiful.","start":669.44,"end":669.94,"sentiment":"positive","sentiment_score":0.5727559328079224},{"text":"So the front page there has statement of advice with your names in the front with the 10/06/2026.","start":670.16,"end":675.615,"sentiment":"neutral","sentiment_score":0.2727170106437471},{"text":"I'm just letting you know all of our advice is valid for sixty days, so you can take some time to go back and read this one prior to deciding to take the advice on.","start":675.615,"end":684.27496,"sentiment":"neutral","sentiment_score":0.2521384486130306},{"text":"On the bottom of that front page, it has prepared by myself and my lovely team here at Financial, and my authorized representative number registered with ASIC is 1304394.","start":684.735,"end":696.04,"sentiment":"neutral","sentiment_score":0.1614416436902408}],"sentiment":"neutral","sentiment_score":0.22930686211302168,"num_words":84,"start":669.12,"end":696.04},{"sentences":[{"text":"It's in the bottom of the front page there for you.","start":696.04,"end":698.44,"sentiment":"neutral","sentiment_score":0.09796966002746062},{"text":"Okay?","start":698.44,"end":698.94,"sentiment":"neutral","sentiment_score":0.0064487457275390625},{"text":"It might be...","start":705.735,"end":707.195,"sentiment":"neutral","sentiment_score":-0.04379998023311297},{"text":"Yep.","start":712.055,"end":712.555,"sentiment":"neutral","sentiment_score":0.08370234072208405},{"text":"Yeah.","start":713.095,"end":713.575,"sentiment":"neutral","sentiment_score":0.012831511907279491}],"sentiment":"neutral","sentiment_score":0.061720524585860616,"num_words":17,"start":696.04,"end":713.575},{"sentences":[{"text":"That's okay.","start":713.575,"end":714.475,"sentiment":"neutral","sentiment_score":0.019646614091470838},{"text":"That's okay.","start":714.615,"end":715.095,"sentiment":"neutral","sentiment_score":0.06216069310903549},{"text":"Sorry about that.","start":715.095,"end":716.055,"sentiment":"neutral","sentiment_score":-0.06274908035993576},{"text":"Normally, it works a little bit easier.","start":716.055,"end":717.755,"sentiment":"neutral","sentiment_score":0.036333002150058746},{"text":"Yeah.","start":721.93994,"end":722.43994,"sentiment":"neutral","sentiment_score":0.1134004294872284}],"sentiment":"neutral","sentiment_score":0.022873254523923,"num_words":15,"start":713.575,"end":722.43994},{"sentences":[{"text":"That's okay.","start":722.57996,"end":723.3,"sentiment":"neutral","sentiment_score":0.2602194845676422},{"text":"We'll go through it.","start":723.3,"end":724.25995,"sentiment":"neutral","sentiment_score":0.2918482646346092},{"text":"I'll hit the points that I need to, and then I'll let you both go back to sort of look at it again at a later time.","start":724.25995,"end":730.19995,"sentiment":"neutral","sentiment_score":0.24493163051428618},{"text":"Okay?","start":730.25995,"end":730.75995,"sentiment":"neutral","sentiment_score":0.2581230401992798},{"text":"You don't have to sign anything now.","start":730.89996,"end":732.57996,"sentiment":"neutral","sentiment_score":0.1984901108912059}],"sentiment":"neutral","sentiment_score":0.2426473138535895,"num_words":41,"start":722.57996,"end":732.57996},{"sentences":[{"text":"You're welcome to read, go through, and read it all prior to taking the advice.","start":732.57996,"end":736.425,"sentiment":"positive","sentiment_score":0.43122668862342833},{"text":"Okay?","start":736.56494,"end":737.06494,"sentiment":"neutral","sentiment_score":0.2699753940105438},{"text":"Beautiful.","start":738.96497,"end":739.46497,"sentiment":"positive","sentiment_score":0.5288262367248535},{"text":"So moving forward to the next page, you'll see the headings, this document and best interest duty.","start":740.00494,"end":745.46497,"sentiment":"neutral","sentiment_score":0.27922634802320423},{"text":"It's just about letting you know that any advice we do provide is being provided in your best interest.","start":745.52496,"end":750.30005,"sentiment":"positive","sentiment_score":0.47416321697988006}],"sentiment":"positive","sentiment_score":0.39666322639809465,"num_words":53,"start":732.57996,"end":750.30005},{"sentences":[{"text":"So as part of each of the recommendations, we do outline a best interest duty, which essentially relays the recommendations back to your goals and how that works in your best interest.","start":750.30005,"end":761.12006,"sentiment":"positive","sentiment_score":0.4407758666202426},{"text":"Okay?","start":761.26,"end":761.76,"sentiment":"neutral","sentiment_score":0.19444434344768524},{"text":"The next page, just keep scrolling through with your table of contents.","start":763.735,"end":766.875,"sentiment":"neutral","sentiment_score":0.1436297595500946},{"text":"And then the next page we have there the scoping of the advice, the areas that we are looking at with this advice piece for you.","start":767.57495,"end":774.39496,"sentiment":"neutral","sentiment_score":0.1746640348663697},{"text":"Okay?","start":774.535,"end":775.035,"sentiment":"neutral","sentiment_score":0.09237779676914216}],"sentiment":"neutral","sentiment_score":0.2868954429609908,"num_words":72,"start":750.30005,"end":775.035},{"sentences":[{"text":"X...","start":781.43,"end":781.93,"sentiment":"neutral","sentiment_score":-0.04049479216337204},{"text":"Is it working?","start":782.07,"end":782.87,"sentiment":"neutral","sentiment_score":-0.08236398299535115},{"text":"Is it not working?","start":782.87,"end":783.85004,"sentiment":"neutral","sentiment_score":-0.1630094237625599},{"text":"Do you want me to email it to you again, Frank, into a different email so you've got a copy of it to look at in the emails?","start":795.825,"end":801.765,"sentiment":"neutral","sentiment_score":0.0035779556658651146},{"text":"It might be easier.","start":801.825,"end":802.805,"sentiment":"neutral","sentiment_score":-0.003959150053560734}],"sentiment":"neutral","sentiment_score":-0.02138195694424212,"num_words":40,"start":781.43,"end":802.805},{"sentences":[{"text":"It's up now?","start":807.74,"end":808.64,"sentiment":"neutral","sentiment_score":-0.04037495516240597},{"text":"Yep.","start":809.01996,"end":809.42,"sentiment":"neutral","sentiment_score":0.0028407983481884003},{"text":"That's okay.","start":809.42,"end":810.06,"sentiment":"neutral","sentiment_score":0.003679723187815398},{"text":"If if I go too fast, just tell me to stop.","start":810.06,"end":813.83997,"sentiment":"neutral","sentiment_score":-0.17964103817939758},{"text":"Yeah.","start":814.875,"end":815.375,"sentiment":"neutral","sentiment_score":-0.016073161736130714}],"sentiment":"neutral","sentiment_score":-0.11683606680405016,"num_words":18,"start":807.74,"end":815.375},{"sentences":[{"text":"So we're on page number three.","start":824.315,"end":826.415,"sentiment":"neutral","sentiment_score":-0.021835543525715668},{"text":"Yeah.","start":833.61,"end":834.11,"sentiment":"neutral","sentiment_score":0.01460616197437048},{"text":"That's...","start":844.74506,"end":845.24506,"sentiment":"neutral","sentiment_score":0.007161656394600868},{"text":"Yep.","start":846.34503,"end":846.74506,"sentiment":"neutral","sentiment_score":0.07081326097249985},{"text":"So go down to page number four, and you'll have their scope of advice considered.","start":846.74506,"end":851.145,"sentiment":"neutral","sentiment_score":0.08340435276428858}],"sentiment":"neutral","sentiment_score":0.05052637956881275,"num_words":24,"start":824.315,"end":851.145},{"sentences":[{"text":"It'll be the next page we're looking at.","start":851.145,"end":853.52,"sentiment":"neutral","sentiment_score":0.05640168045647442},{"text":"Yep.","start":858.86,"end":859.26,"sentiment":"neutral","sentiment_score":0.18867383897304535},{"text":"Beautiful.","start":859.26,"end":859.76,"sentiment":"positive","sentiment_score":0.5738838315010071},{"text":"So with this advice piece, we were looking at essentially looking at trying to derisk your portfolios a little bit.","start":860.14,"end":866.555,"sentiment":"neutral","sentiment_score":0.20604595877230167},{"text":"We had sort of noted some of the investments weren't performing as well when we did your risk profiling.","start":866.555,"end":872.015,"sentiment":"neutral","sentiment_score":-0.029317216065369155}],"sentiment":"neutral","sentiment_score":0.09750333029244627,"num_words":49,"start":851.145,"end":872.015},{"sentences":[{"text":"You both wanted to sort of look at trying to be about fifty fifty growth and defensive.","start":872.075,"end":876.075,"sentiment":"neutral","sentiment_score":0.1461797067347695},{"text":"So trying to be more balanced, taking on less risk in the market, and sort of looking after your super capital and trying to grow it in a way that you're able to access it.","start":876.075,"end":886.06,"sentiment":"neutral","sentiment_score":0.2536793252320162},{"text":"With Frank, you currently being on the age pension, and, Robin, you're still technically working.","start":886.36,"end":890.86,"sentiment":"neutral","sentiment_score":0.07089568475882212},{"text":"Essentially, when we spoke, you both had the goal of being able to maybe move into pension phase and start accessing all for Robin for you to retire out of that age 67, which is essentially just over a year away at this point.","start":891.505,"end":904.565,"sentiment":"neutral","sentiment_score":0.14134509302675724},{"text":"Does that still sound appropriate for your goals?","start":905.23004,"end":907.39,"sentiment":"neutral","sentiment_score":0.1484967702999711}],"sentiment":"neutral","sentiment_score":0.16667583970227787,"num_words":119,"start":872.075,"end":907.39},{"sentences":[{"text":"Is that still accurate?","start":907.39,"end":908.35004,"sentiment":"neutral","sentiment_score":0.07078332453966141},{"text":"Would there be any changes in your goals at the moment?","start":908.35004,"end":910.93,"sentiment":"neutral","sentiment_score":-0.03490831838412718},{"text":"No.","start":916.51,"end":916.83,"sentiment":"neutral","sentiment_score":-0.2593824863433838},{"text":"That's okay.","start":916.83,"end":917.65,"sentiment":"neutral","sentiment_score":-0.126873180270195},{"text":"But 67 still sounds about right when you're wanting to essentially stop work at this point in time.","start":918.005,"end":924.105,"sentiment":"neutral","sentiment_score":-0.18255219401584732}],"sentiment":"neutral","sentiment_score":-0.10833129286766052,"num_words":36,"start":907.39,"end":924.105},{"sentences":[{"text":"Yep.","start":925.845,"end":926.345,"sentiment":"neutral","sentiment_score":0.07632336765527725},{"text":"Beautiful.","start":932.725,"end":933.225,"sentiment":"positive","sentiment_score":0.5740653276443481},{"text":"Yeah.","start":933.77997,"end":934.1,"sentiment":"positive","sentiment_score":0.451953649520874},{"text":"Excellent.","start":934.1,"end":934.6,"sentiment":"positive","sentiment_score":0.6358375549316406},{"text":"Excellent.","start":934.66,"end":935.14,"sentiment":"positive","sentiment_score":0.6006900072097778}],"sentiment":"positive","sentiment_score":0.4677739813923836,"num_words":5,"start":925.845,"end":935.14},{"sentences":[{"text":"And this is the sort of the recommendations with what to do with the super now and then starting to transition to you into that retirement phase.","start":935.14,"end":941.88,"sentiment":"neutral","sentiment_score":0.3313070469432407},{"text":"But before that time, we will also come back and do a review with you both.","start":942.42,"end":946.42,"sentiment":"neutral","sentiment_score":0.1568954628892243},{"text":"So if we need to update the advice next year, we absolutely can.","start":946.42,"end":950.115,"sentiment":"neutral","sentiment_score":0.2092327636021834},{"text":"Okay?","start":950.115,"end":950.615,"sentiment":"neutral","sentiment_score":0.1295708566904068},{"text":"Excellent.","start":952.435,"end":952.915,"sentiment":"positive","sentiment_score":0.44205713272094727}],"sentiment":"neutral","sentiment_score":0.2542633032747384,"num_words":58,"start":935.14,"end":952.915},{"sentences":[{"text":"So I've scoped in for you both, your superannuation, looking at your super and the investments, and then I've also scoped in the income retirement aspect for you both because we are essentially fifteen months away from that.","start":952.915,"end":964.67,"sentiment":"neutral","sentiment_score":0.16522517604263207},{"text":"So it's only a very close time there.","start":964.67,"end":967.01,"sentiment":"neutral","sentiment_score":0.003397285472601652},{"text":"Okay?","start":967.07,"end":967.57,"sentiment":"neutral","sentiment_score":0.043039992451667786},{"text":"Areas that we're not considering as part of the advice at the moment is the funeral bond side of things.","start":969.39,"end":974.27,"sentiment":"neutral","sentiment_score":-0.05712048495188356},{"text":"So we talked about the money that you have sitting in a bank account that you were utilizing as a funeral expense or funeral cover.","start":974.27,"end":980.765,"sentiment":"neutral","sentiment_score":0.04107921749353409}],"sentiment":"neutral","sentiment_score":0.06775375765383891,"num_words":92,"start":952.915,"end":980.765},{"sentences":[{"text":"We talked about how that could be utilized down the track, and can also be sheltered against Centrelink assessment as well.","start":981.145,"end":987.565,"sentiment":"neutral","sentiment_score":0.16969712575276694},{"text":"Essentially, you were happy to leave it as is the moment, noting we can always review that down the track.","start":988.265,"end":993.33,"sentiment":"positive","sentiment_score":0.36192161664366723},{"text":"So for now, that's gonna stay exactly as it is.","start":993.39,"end":996.43,"sentiment":"neutral","sentiment_score":0.2953349709510803},{"text":"Okay?","start":996.43,"end":996.93,"sentiment":"neutral","sentiment_score":0.13203507661819458},{"text":"Excellent.","start":998.67004,"end":999.17004,"sentiment":"positive","sentiment_score":0.4140706956386566}],"sentiment":"neutral","sentiment_score":0.26984014066885104,"num_words":53,"start":981.145,"end":999.17004},{"sentences":[{"text":"The next page is the limited advice scoping to this, letting you know that we're not solicitors.","start":999.31,"end":1003.665,"sentiment":"neutral","sentiment_score":0.010727471945916904},{"text":"So when it comes to drafting of wills and power of attorneys and legal documents, we do tend to refer you through to a legal solicitor or a legal practitioner for those sorts of services.","start":1003.665,"end":1013.285,"sentiment":"neutral","sentiment_score":0.05826082591499601},{"text":"We do provide advice around personal insurances, but we don't do general insurances.","start":1014.385,"end":1018.37,"sentiment":"neutral","sentiment_score":0.07046957783257732},{"text":"So we often refer clients through to a general insurance broker for the purpose of getting a house motor contents, things like that.","start":1018.43,"end":1027.89,"sentiment":"neutral","sentiment_score":0.08728738841803177},{"text":"And under the Better Advice Act 2021, I'm a relevant tax provider.","start":1028.475,"end":1031.995,"sentiment":"neutral","sentiment_score":0.10202606146534283}],"sentiment":"neutral","sentiment_score":0.06369523113127798,"num_words":100,"start":999.31,"end":1031.995},{"sentences":[{"text":"That essentially means that I can provide financial advice around tax and tax related matters.","start":1031.995,"end":1036.895,"sentiment":"neutral","sentiment_score":0.11281832704941432},{"text":"I don't need to as part of this advice, realistically, but if you ever did sort of need those sorts of services, we can provide that for you as part of my license.","start":1037.4349,"end":1046.1901,"sentiment":"neutral","sentiment_score":0.1104965941472487},{"text":"Okay?","start":1048.01,"end":1048.51,"sentiment":"neutral","sentiment_score":0.029234524816274643},{"text":"The next page is the about you section.","start":1048.7301,"end":1050.65,"sentiment":"neutral","sentiment_score":0.025546431774273515},{"text":"Just the information we had on the both of you as per the last fact find there.","start":1050.65,"end":1055.0701,"sentiment":"neutral","sentiment_score":0.04030864915865309}],"sentiment":"neutral","sentiment_score":0.08456102063929713,"num_words":74,"start":1031.995,"end":1055.0701},{"sentences":[{"text":"And I wanna skip forward over a couple of pages, but the next one's essentially your assets and liabilities as per our last conversation of fact find.","start":1056.0851,"end":1064.5651,"sentiment":"neutral","sentiment_score":0.0233152427331165},{"text":"I know some things that could have changed, but there's no major change on the advice at all.","start":1064.5651,"end":1069.8,"sentiment":"neutral","sentiment_score":-0.06607682940860589},{"text":"With...","start":1069.8,"end":1070.3,"sentiment":"neutral","sentiment_score":-0.02526823990046978},{"text":"Sorry.","start":1070.76,"end":1071.16,"sentiment":"neutral","sentiment_score":-0.06353860348463058},{"text":"With page number eight, your assets and liabilities, is there anything big that may have changed in that that you would wanna update, or is that all still fairly appropriate?","start":1071.16,"end":1080.3,"sentiment":"neutral","sentiment_score":-0.08555518065889677}],"sentiment":"neutral","sentiment_score":-0.04175757972354239,"num_words":77,"start":1056.0851,"end":1080.3},{"sentences":[{"text":"Yeah.","start":1084.395,"end":1084.795,"sentiment":"neutral","sentiment_score":0.08002206683158875},{"text":"Yep.","start":1084.795,"end":1085.1951,"sentiment":"neutral","sentiment_score":0.1576387882232666},{"text":"Absolutely.","start":1085.1951,"end":1085.6951,"sentiment":"positive","sentiment_score":0.4104633927345276},{"text":"Beautiful.","start":1086.635,"end":1087.135,"sentiment":"positive","sentiment_score":0.4571524262428284},{"text":"And then the next one...","start":1087.675,"end":1089.035,"sentiment":"neutral","sentiment_score":0.10389159917831421}],"sentiment":"neutral","sentiment_score":0.18052607443597582,"num_words":9,"start":1084.395,"end":1089.035},{"sentences":[{"text":"The next page outlines your current super balances in Hub twenty four.","start":1089.035,"end":1093.115,"sentiment":"neutral","sentiment_score":0.040384391943613686},{"text":"So, Robin, at the moment, you're sitting at a $139,617.97 there.","start":1093.115,"end":1099.65,"sentiment":"neutral","sentiment_score":0.027447763745757667},{"text":"Frank, you're currently sitting at $88,801.47.","start":1099.89,"end":1104.31,"sentiment":"neutral","sentiment_score":0.02390129119157791},{"text":"Okay?","start":1104.4501,"end":1104.9501,"sentiment":"neutral","sentiment_score":0.04313233867287636},{"text":"Excellent.","start":1106.93,"end":1107.43,"sentiment":"positive","sentiment_score":0.39949607849121094}],"sentiment":"neutral","sentiment_score":0.04427658931742753,"num_words":31,"start":1089.035,"end":1107.43},{"sentences":[{"text":"The next page outlines your risk profile.","start":1107.73,"end":1109.89,"sentiment":"neutral","sentiment_score":0.0634530559182167},{"text":"So you both set and was that...","start":1109.89,"end":1112.4501,"sentiment":"neutral","sentiment_score":0.012341504916548729},{"text":"Will...","start":1112.4501,"end":1112.9501,"sentiment":"neutral","sentiment_score":0.003205475397408009},{"text":"Scored as a balanced investor.","start":1113.09,"end":1114.79,"sentiment":"neutral","sentiment_score":0.011600418388843537},{"text":"This is kinda...","start":1115.415,"end":1116.135,"sentiment":"neutral","sentiment_score":-0.0022989949211478233}],"sentiment":"neutral","sentiment_score":0.025429239496588707,"num_words":23,"start":1107.73,"end":1116.135},{"sentences":[{"text":"We talked about sitting at normally a sixty forty kinda split, but we wanted to look at more of a fifty fifty split between growth and defensive assets there.","start":1116.135,"end":1124.375,"sentiment":"neutral","sentiment_score":-0.03750363371238626},{"text":"You're wanting to look at getting it, you know, growth and making your super work a bit harder, but you also...","start":1124.375,"end":1129.41,"sentiment":"neutral","sentiment_score":-0.023178933277016596},{"text":"As you are closer to accessing super and, you know, retirement, that you wanted to also protect your super and look after your capital there.","start":1129.41,"end":1137.25,"sentiment":"neutral","sentiment_score":0.06442005652934313},{"text":"So we have looked at ways to be able to do that for you.","start":1137.25,"end":1140.63,"sentiment":"neutral","sentiment_score":0.09763602273804801},{"text":"Okay?","start":1142.5449,"end":1142.945,"sentiment":"neutral","sentiment_score":0.16197697818279266}],"sentiment":"neutral","sentiment_score":0.017389108147472142,"num_words":90,"start":1116.135,"end":1142.945},{"sentences":[{"text":"Excellent.","start":1142.945,"end":1143.445,"sentiment":"positive","sentiment_score":0.6266058683395386},{"text":"If I can get you to scroll down to page number 12 for me, yours might say 13.","start":1143.585,"end":1149.205,"sentiment":"neutral","sentiment_score":0.2137684631678793},{"text":"The heading there is Robin strategy recommendations.","start":1149.505,"end":1152.245,"sentiment":"neutral","sentiment_score":0.07916160513247762},{"text":"Beautiful.","start":1154.7849,"end":1155.2849,"sentiment":"positive","sentiment_score":0.6558645367622375},{"text":"Now this is just running you through the recommendations.","start":1155.91,"end":1158.01,"sentiment":"positive","sentiment_score":0.39020748602019417}],"sentiment":"neutral","sentiment_score":0.2554528153397971,"num_words":36,"start":1142.945,"end":1158.01},{"sentences":[{"text":"I'll run through each of them for you.","start":1158.23,"end":1159.83,"sentiment":"neutral","sentiment_score":0.31537599489092827},{"text":"I'll give you a a brief outline of what I'm recommending as simply as possible.","start":1159.83,"end":1164.01,"sentiment":"neutral","sentiment_score":0.3287774920463562},{"text":"And then if you have any questions throughout, please let me know, and then I'll let you definitely go back and read them.","start":1164.79,"end":1170.39,"sentiment":"neutral","sentiment_score":0.20784316438695657},{"text":"Okay?","start":1170.39,"end":1170.89,"sentiment":"neutral","sentiment_score":0.0962025821208954},{"text":"So, Robin, this is essentially for your super.","start":1171.8049,"end":1174.705,"sentiment":"neutral","sentiment_score":0.11327978037297726}],"sentiment":"neutral","sentiment_score":0.24068188992413608,"num_words":55,"start":1158.23,"end":1174.705},{"sentences":[{"text":"So what I am recommending is that we do retain hub 24 as a super platform.","start":1174.765,"end":1179.345,"sentiment":"neutral","sentiment_score":0.11800253600813448},{"text":"I did have a look at hub 24 as well as other platforms to make sure your super was working well for you.","start":1179.405,"end":1184.97,"sentiment":"neutral","sentiment_score":0.20904412574094275},{"text":"Retaining hub 24 is a suitable option because to sell down and move your money elsewhere is a lot more complex and would have made...","start":1185.45,"end":1193.3099,"sentiment":"neutral","sentiment_score":-0.06823907539248467},{"text":"Would have had a higher capital gains consequence.","start":1193.53,"end":1195.87,"sentiment":"neutral","sentiment_score":-0.1630734195932746},{"text":"So one of the things I do look at is that your super, like you, does a tax return every year currently.","start":1196.33,"end":1202.325,"sentiment":"neutral","sentiment_score":-0.033933357928286896}],"sentiment":"neutral","sentiment_score":0.031265503746714995,"num_words":94,"start":1174.765,"end":1202.325},{"sentences":[{"text":"Essentially, whenever we buy and sell investments or make changes to your super platform, there are capital gains consequences for your super fund to take into account.","start":1202.945,"end":1212.565,"sentiment":"neutral","sentiment_score":-0.03258161136397609},{"text":"So in order to sell all of your investments down to cash and move your super to another platform, that means that your super fund would have had a capital gains consequence.","start":1213.08,"end":1222.0599,"sentiment":"neutral","sentiment_score":0.01989247731398791},{"text":"I didn't wanna obviously overcome make it over complex.","start":1223.08,"end":1226.7251,"sentiment":"neutral","sentiment_score":-0.024400630758868322},{"text":"There's no need to move out of Hub twenty four.","start":1226.785,"end":1228.8651,"sentiment":"neutral","sentiment_score":0.07565758675336838},{"text":"It still has a lot of different investment options.","start":1228.8651,"end":1231.4451,"sentiment":"neutral","sentiment_score":0.1985656221707662}],"sentiment":"neutral","sentiment_score":0.023918581120241648,"num_words":87,"start":1202.945,"end":1231.4451},{"sentences":[{"text":"It essentially gives us access to more than a thousand different investment options, which is fantastic.","start":1231.5851,"end":1236.0851,"sentiment":"positive","sentiment_score":0.3646300844848156},{"text":"So retaining that platform was in your best interest.","start":1236.545,"end":1239.285,"sentiment":"neutral","sentiment_score":0.3159746941592958},{"text":"And, also, you guys are linked in the back end as well.","start":1239.47,"end":1241.71,"sentiment":"neutral","sentiment_score":0.11554169716934364},{"text":"So you're getting the family fee aggregation and things like that, which is also important.","start":1241.71,"end":1245.81,"sentiment":"neutral","sentiment_score":0.09221611271301905},{"text":"Okay?","start":1246.11,"end":1246.61,"sentiment":"neutral","sentiment_score":0.0362495556473732}],"sentiment":"neutral","sentiment_score":0.21667632474651877,"num_words":53,"start":1231.5851,"end":1246.61},{"sentences":[{"text":"Now what I am recommending, though, is that we do alter your super fund within Hub twenty four.","start":1248.1901,"end":1254.29,"sentiment":"neutral","sentiment_score":-0.0017744895344043875},{"text":"So, essentially, the super fund has different stages of the platform.","start":1254.645,"end":1258.665,"sentiment":"neutral","sentiment_score":0.00013569780540737192},{"text":"They have three tiers.","start":1259.125,"end":1260.5651,"sentiment":"neutral","sentiment_score":-0.0058799306862056255},{"text":"They have a a Hub 24 Discovery, which is the cheapest part of the platform and only has access to a few investments.","start":1260.5651,"end":1267.4651,"sentiment":"neutral","sentiment_score":0.006336013462556445},{"text":"We then also have Hub 24 core, which is the second tier.","start":1267.9099,"end":1271.59,"sentiment":"neutral","sentiment_score":0.1881808303296566}],"sentiment":"neutral","sentiment_score":0.034557800221912606,"num_words":68,"start":1248.1901,"end":1271.59},{"sentences":[{"text":"It's a little bit cheaper than the current option, and it gives us access to a few more investments.","start":1271.59,"end":1276.8099,"sentiment":"positive","sentiment_score":0.41010975210290207},{"text":"And then you have the full menu, which is choice, and that's where your super is at the moment.","start":1276.87,"end":1281.5751,"sentiment":"neutral","sentiment_score":0.21137525062812001},{"text":"That gives us access to over a thousand different investment options.","start":1281.5751,"end":1284.795,"sentiment":"neutral","sentiment_score":0.2342399297790094},{"text":"But that Hub 24 Choice menu is actually a little bit more expensive.","start":1285.175,"end":1289.675,"sentiment":"neutral","sentiment_score":-0.22133611142635345},{"text":"So what I'm recommending is when we retain your Hub 24, however, in the back end, we change you to a cheaper version of hub 24.","start":1289.9751,"end":1298.88,"sentiment":"neutral","sentiment_score":0.02451974991708994}],"sentiment":"neutral","sentiment_score":0.13801134464500303,"num_words":88,"start":1271.59,"end":1298.88},{"sentences":[{"text":"We're not selling or moving you out of anything.","start":1299.0199,"end":1301.5,"sentiment":"neutral","sentiment_score":-0.24874668940901756},{"text":"It's all done in the back end.","start":1301.5,"end":1302.7,"sentiment":"neutral","sentiment_score":0.05669122827904565},{"text":"This is the switch or a tickable...","start":1302.7,"end":1304.32,"sentiment":"neutral","sentiment_score":0.15521565505436488},{"text":"Tickable box, and we alter the platform and switch the menu in the back end for you.","start":1304.86,"end":1310.475,"sentiment":"neutral","sentiment_score":0.14447669290444431},{"text":"We're gonna move you down to the core menu over the choice because it's actually cheaper.","start":1310.475,"end":1314.655,"sentiment":"neutral","sentiment_score":0.28043215721845627}],"sentiment":"neutral","sentiment_score":0.11049368345577802,"num_words":56,"start":1299.0199,"end":1314.655},{"sentences":[{"text":"It's a lower cost in administration fees.","start":1315.035,"end":1317.9149,"sentiment":"positive","sentiment_score":0.4044360135282789},{"text":"It saves you about a $180 per year on administration fees.","start":1317.9149,"end":1322.875,"sentiment":"positive","sentiment_score":0.39807371117851953},{"text":"So it makes the platform cheaper for you.","start":1322.875,"end":1325.2949,"sentiment":"positive","sentiment_score":0.420826081186533},{"text":"Okay?","start":1325.355,"end":1325.855,"sentiment":"neutral","sentiment_score":0.05784882605075836},{"text":"Yes.","start":1327.8899,"end":1328.3899,"sentiment":"neutral","sentiment_score":0.022612247616052628}],"sentiment":"positive","sentiment_score":0.38060473717216936,"num_words":28,"start":1315.035,"end":1328.3899},{"sentences":[{"text":"Yep.","start":1332.21,"end":1332.71,"sentiment":"neutral","sentiment_score":0.04693247005343437},{"text":"No.","start":1335.97,"end":1336.37,"sentiment":"neutral","sentiment_score":-0.10174534469842912},{"text":"No.","start":1336.37,"end":1336.61,"sentiment":"neutral","sentiment_score":-0.11454613506793976},{"text":"That stays exactly the same.","start":1336.61,"end":1338.0499,"sentiment":"neutral","sentiment_score":-0.048672279715538024},{"text":"Everything on your side will look exactly the same as it does now.","start":1338.0499,"end":1341.885,"sentiment":"neutral","sentiment_score":0.1028075937468272}],"sentiment":"neutral","sentiment_score":0.043989443353244236,"num_words":21,"start":1332.21,"end":1341.885},{"sentences":[{"text":"It's just a switch in the back end of what we're using with the back end of the platform.","start":1341.965,"end":1347.025,"sentiment":"neutral","sentiment_score":0.062205635011196136},{"text":"So nothing changes for you.","start":1347.245,"end":1349.085,"sentiment":"neutral","sentiment_score":0.03225173354148865},{"text":"Your account number stays the same.","start":1349.085,"end":1350.765,"sentiment":"neutral","sentiment_score":0.12551786626378694},{"text":"You'll see your hub twenty four super fund exactly as you do now.","start":1350.765,"end":1354.44,"sentiment":"neutral","sentiment_score":0.24974642923245063},{"text":"Essentially, by changing the menu, it's just a tick of a box in the back end for us.","start":1354.7599,"end":1359.6399,"sentiment":"neutral","sentiment_score":0.11741643150647481}],"sentiment":"neutral","sentiment_score":0.122237250453136,"num_words":61,"start":1341.965,"end":1359.6399},{"sentences":[{"text":"We just get you to sign a change of menu form, and everything's kinda done in the back end for you to make the platform cheaper.","start":1359.6399,"end":1367.34,"sentiment":"neutral","sentiment_score":0.14402216357680467},{"text":"Does that make sense?","start":1367.3999,"end":1368.465,"sentiment":"neutral","sentiment_score":0.09207693859934807},{"text":"Yeah.","start":1370.065,"end":1370.565,"sentiment":"neutral","sentiment_score":0.31692004203796387},{"text":"Beautiful.","start":1370.625,"end":1371.125,"sentiment":"positive","sentiment_score":0.5190272927284241},{"text":"Now once we change that menu, we're actually gonna change your investments as well.","start":1371.585,"end":1376.085,"sentiment":"neutral","sentiment_score":0.2073965748505933}],"sentiment":"neutral","sentiment_score":0.17070398674063061,"num_words":46,"start":1359.6399,"end":1376.085},{"sentences":[{"text":"Now at the moment, within your super fund, you have a range of diversified investments.","start":1376.145,"end":1380.8049,"sentiment":"neutral","sentiment_score":0.15505978614091873},{"text":"You essentially have, like, the S and P 500.","start":1381.105,"end":1384.5901,"sentiment":"neutral","sentiment_score":0.13277498218748304},{"text":"We have some Australian equities, but you can see all the individual investments noted there.","start":1384.5901,"end":1389.3301,"sentiment":"neutral","sentiment_score":0.11033207848668099},{"text":"What I'm recommending we actually do is change you and move you into our new investment product.","start":1389.4701,"end":1395.01,"sentiment":"neutral","sentiment_score":0.11782248082625515},{"text":"We have, in in combination with the BlackRock investment committee, set up an investment product called an SMA.","start":1395.4249,"end":1403.585,"sentiment":"neutral","sentiment_score":0.13938288390636444}],"sentiment":"neutral","sentiment_score":0.13091522829003027,"num_words":74,"start":1376.145,"end":1403.585},{"sentences":[{"text":"It's a separately managed account.","start":1403.585,"end":1405.365,"sentiment":"neutral","sentiment_score":0.13417042195796966},{"text":"So instead of you seeing your bank hybrids, your physical gold, your cybersecurity, your Asia, your S and P 500, all those investments individually, all you would see in your super fund is the SMA Grove, the investment product there.","start":1405.745,"end":1420.6599,"sentiment":"neutral","sentiment_score":0.16213385462760926},{"text":"The reason I'm moving you into this investment product is that it gives you more of a fifty fifty split.","start":1421.385,"end":1427.4651,"sentiment":"positive","sentiment_score":0.3806257665157318},{"text":"So with the way I looked at your super at the moment, you're in more of a balanced growth environment.","start":1427.4651,"end":1432.365,"sentiment":"positive","sentiment_score":0.37268193662166593},{"text":"So you're 70% invested in those growth assets like shares, property, commodities like gold and silver, and have about 30% in those low risk defensive investments.","start":1432.5851,"end":1443.04,"sentiment":"positive","sentiment_score":0.34285258043270844}],"sentiment":"neutral","sentiment_score":0.28050925629632967,"num_words":111,"start":1403.585,"end":1443.04},{"sentences":[{"text":"In order to reevaluate and derisk your portfolio to reduce the overall risk, moving you into this SMA product works really well.","start":1443.5,"end":1453.315,"sentiment":"positive","sentiment_score":0.5107405402443626},{"text":"Because it is managed by us as well as the BlackRock investment team, it means that we can make changes to the underlying investments for you smoother and easier.","start":1453.695,"end":1464.915,"sentiment":"positive","sentiment_score":0.5525854445736984},{"text":"Essentially, it's reviewed every three months by the investment committee.","start":1465.76,"end":1469.2799,"sentiment":"neutral","sentiment_score":0.16087714731693267},{"text":"And where there are changes to the markets where there's high inflation, they can add an ultra investment so that it is working harder for you.","start":1469.2799,"end":1477.6799,"sentiment":"neutral","sentiment_score":0.14590833637003714},{"text":"Does that make sense?","start":1477.6799,"end":1478.82,"sentiment":"neutral","sentiment_score":0.18658217787742615}],"sentiment":"positive","sentiment_score":0.3671427110803651,"num_words":91,"start":1443.5,"end":1478.82},{"sentences":[{"text":"Yep.","start":1480.48,"end":1480.98,"sentiment":"neutral","sentiment_score":0.22096841037273407},{"text":"It's also gonna reduce your risk level down from, say, 70% sitting in those growth assets to about 49% in those growth assets, keeping 51% in defensive exposure, things like cash, bonds, and fixed interest.","start":1481.255,"end":1495.275,"sentiment":"neutral","sentiment_score":0.23511749867882048},{"text":"So, essentially, this is giving you a little bit more protections.","start":1495.88,"end":1500.14,"sentiment":"neutral","sentiment_score":0.32707098668271845},{"text":"We can make changes in line with your risk capacity as well and make sure that the funds...","start":1500.4401,"end":1506.54,"sentiment":"neutral","sentiment_score":0.2154644454518954},{"text":"How you're invested is always working well, make changes as we need to.","start":1506.8401,"end":1511.435,"sentiment":"neutral","sentiment_score":0.3280663713812828}],"sentiment":"neutral","sentiment_score":0.2588600585093865,"num_words":78,"start":1480.48,"end":1511.435},{"sentences":[{"text":"One of the things that I do like a lot...","start":1511.435,"end":1513.115,"sentiment":"neutral","sentiment_score":0.16886972934007644},{"text":"A little bit about this product at the moment is that it currently has some inflationary protections.","start":1513.115,"end":1517.535,"sentiment":"neutral","sentiment_score":0.0042565999662174895},{"text":"So, essentially, what sorta happened this year is that because we have seen very high inflation in Australia and it has affected bonds, essentially, our investment committee with the BlackRock team, they met earlier this year.","start":1518.2351,"end":1532.2101,"sentiment":"neutral","sentiment_score":-0.10296486804468764},{"text":"They looked at that estimate product, and they went, hey.","start":1532.2101,"end":1535.01,"sentiment":"neutral","sentiment_score":0.009946943959221244},{"text":"We needed to put some inflationary protections in place.","start":1535.01,"end":1538.2301,"sentiment":"neutral","sentiment_score":-0.03724474459886551}],"sentiment":"neutral","sentiment_score":-0.02660254900707159,"num_words":82,"start":1511.435,"end":1538.2301},{"sentences":[{"text":"So they added some underlying investments in there to add that kind of inflationary protection into the product.","start":1538.465,"end":1544.725,"sentiment":"neutral","sentiment_score":0.24672797487841713},{"text":"By doing that, we didn't have to do updated advice and change anyone's investments.","start":1545.185,"end":1549.665,"sentiment":"neutral","sentiment_score":0.12261830004198211},{"text":"That was all done in the back end, And that just changes that SMA or that investment option on a regular basis to make sure that the funds within that are always working in the right direction, that it is essentially lowering overall risk, and that it is, you know, providing the right level of exposure.","start":1549.665,"end":1569.395,"sentiment":"positive","sentiment_score":0.3556695350312761},{"text":"Now that can be a little bit complex.","start":1569.775,"end":1571.7151,"sentiment":"neutral","sentiment_score":-0.17799260281026363},{"text":"Do you have any questions in relation to what that is or anything I've just gone through thus far, Robin?","start":1571.775,"end":1577.7151,"sentiment":"neutral","sentiment_score":-0.08692797925323248}],"sentiment":"neutral","sentiment_score":0.19752373536727552,"num_words":116,"start":1538.465,"end":1577.7151},{"sentences":[{"text":"Yeah.","start":1584.56,"end":1585.06,"sentiment":"neutral","sentiment_score":-0.03239084407687187},{"text":"Yep.","start":1586.8,"end":1587.28,"sentiment":"neutral","sentiment_score":0.14232005178928375},{"text":"That's okay.","start":1587.28,"end":1588.02,"sentiment":"neutral","sentiment_score":0.23794639110565186},{"text":"Let me take you through it a little bit easier to show you.","start":1588.3201,"end":1591.04,"sentiment":"neutral","sentiment_score":0.1974586695432663},{"text":"I'm gonna scroll down a couple of pages.","start":1591.04,"end":1593.14,"sentiment":"neutral","sentiment_score":0.09418923174962401}],"sentiment":"neutral","sentiment_score":0.1562519419193268,"num_words":25,"start":1584.56,"end":1593.14},{"sentences":[{"text":"Now if you can go forward for me just to page number 24 on your document, it might be 25.","start":1593.675,"end":1602.8151,"sentiment":"neutral","sentiment_score":0.057580539397895335},{"text":"This will have the heading Robin recommended investment superannuation.","start":1603.1151,"end":1606.9751,"sentiment":"neutral","sentiment_score":0.09031032522519429},{"text":"Beautiful.","start":1614.69,"end":1615.19,"sentiment":"positive","sentiment_score":0.5520303249359131},{"text":"Now you'll see here it's got a bit of a table.","start":1615.81,"end":1618.29,"sentiment":"neutral","sentiment_score":0.23789211294867776},{"text":"There's a lot going on, and that's okay and understandable.","start":1618.29,"end":1621.19,"sentiment":"neutral","sentiment_score":0.15276735574007033}],"sentiment":"neutral","sentiment_score":0.1306062909756221,"num_words":51,"start":1593.675,"end":1621.19},{"sentences":[{"text":"The first...","start":1622.7351,"end":1623.295,"sentiment":"neutral","sentiment_score":0.03535427711904049},{"text":"The top column there and all the first column is basically what you currently have within your super fund at the moment.","start":1623.295,"end":1629.9551,"sentiment":"neutral","sentiment_score":0.061398775232109154},{"text":"So you've got some bank hybrids.","start":1630.175,"end":1631.7151,"sentiment":"neutral","sentiment_score":0.06678894224266212},{"text":"You've got some physical gold.","start":1631.775,"end":1633.4751,"sentiment":"neutral","sentiment_score":0.06040509268641472},{"text":"Underneath that cybersecurity, some Asia exposure, some European exposure, the S and P five hundred, some Nasdaq, sorry, and some fixed interest, and then the Vanguard diversified index, and then the Benelon Australian Equities investment there.","start":1633.775,"end":1649.79,"sentiment":"neutral","sentiment_score":0.04099381668493152}],"sentiment":"neutral","sentiment_score":0.05070448066042343,"num_words":71,"start":1622.7351,"end":1649.79},{"sentences":[{"text":"Now what we are essentially doing...","start":1651.605,"end":1653.365,"sentiment":"neutral","sentiment_score":-0.013890303981800875},{"text":"That's showing what you have currently in your super fund.","start":1653.365,"end":1656.265,"sentiment":"neutral","sentiment_score":-0.05332137942314148},{"text":"What we are recommending is that within your super fund, we will remove all of those investments.","start":1656.325,"end":1662.265,"sentiment":"neutral","sentiment_score":-0.10323943942785263},{"text":"Some of them will just be transferred.","start":1662.885,"end":1664.505,"sentiment":"neutral","sentiment_score":-0.10303560750825065},{"text":"Others will be sold off.","start":1664.805,"end":1666.2,"sentiment":"neutral","sentiment_score":-0.21950626969337464}],"sentiment":"neutral","sentiment_score":-0.09312014865378539,"num_words":45,"start":1651.605,"end":1666.2},{"sentences":[{"text":"So you won't see those anymore.","start":1666.6799,"end":1668.62,"sentiment":"neutral","sentiment_score":-0.12102609251936276},{"text":"At the very bottom, you've got the SMA growth, and that essentially shows that we're gonna transfer all those investments at the top into the bottom.","start":1669.0,"end":1677.98,"sentiment":"neutral","sentiment_score":0.13751792793090528},{"text":"So anything that's, you know, can be transferred in, anything that doesn't need to be held is gonna be sold off.","start":1678.6799,"end":1684.1951,"sentiment":"neutral","sentiment_score":0.07458038610361871},{"text":"And within your super fund, after we make this change, you'll see that.","start":1684.495,"end":1688.255,"sentiment":"neutral","sentiment_score":0.2030090712583982},{"text":"You'll see your hub 24.","start":1688.255,"end":1689.6951,"sentiment":"neutral","sentiment_score":0.24314238727092743}],"sentiment":"neutral","sentiment_score":0.11648348650672066,"num_words":71,"start":1666.6799,"end":1689.6951},{"sentences":[{"text":"You'll see SMA growth and your current balance.","start":1689.6951,"end":1692.5751,"sentiment":"neutral","sentiment_score":0.29916089214384556},{"text":"So this will be the new investment product.","start":1692.5751,"end":1694.675,"sentiment":"positive","sentiment_score":0.3333955593407154},{"text":"Inside that product, there is about 20 to 30 different other investment options.","start":1695.48,"end":1700.78,"sentiment":"neutral","sentiment_score":0.27061718702316284},{"text":"And by having this product, we can make changes to the investments for you to keep things working harder, to make sure that, you know, as markets change, that new investments are added to make sure it's working for you, and to help overall, you know, help reduce your overall risk level as well.","start":1701.24,"end":1720.9451,"sentiment":"positive","sentiment_score":0.42670244144068825},{"text":"One of the good things I do like about this SMA is that it use...","start":1721.09,"end":1724.95,"sentiment":"positive","sentiment_score":0.515919550259908}],"sentiment":"positive","sentiment_score":0.40162449117217747,"num_words":98,"start":1689.6951,"end":1724.95},{"sentences":[{"text":"It utilizes the BlackRock investment committee.","start":1725.01,"end":1728.21,"sentiment":"neutral","sentiment_score":0.2999560957153638},{"text":"They work with us through this, and they have an investment manager.","start":1728.21,"end":1732.21,"sentiment":"neutral","sentiment_score":0.27315745999415714},{"text":"They have economists, and they have a really cool supercomputer.","start":1732.21,"end":1735.11,"sentiment":"positive","sentiment_score":0.41506108045578005},{"text":"And that supercomputer looks at what, you know, is happening in the...","start":1736.015,"end":1739.935,"sentiment":"neutral","sentiment_score":0.2125000680486361},{"text":"Around the globe, what's happening in Australia, what's happening with investment markets, and it helps us to build portfolios that are lowering risk but that are also providing good, steady, long term gains.","start":1739.935,"end":1754.65,"sentiment":"positive","sentiment_score":0.4087878709489649}],"sentiment":"positive","sentiment_score":0.34614023913259373,"num_words":73,"start":1725.01,"end":1754.65},{"sentences":[{"text":"Now that is a lot.","start":1755.27,"end":1756.39,"sentiment":"positive","sentiment_score":0.3902564764022827},{"text":"Do you have any questions?","start":1756.39,"end":1757.67,"sentiment":"neutral","sentiment_score":0.10043058842420578},{"text":"I know it's a lot to take in.","start":1757.67,"end":1759.11,"sentiment":"neutral","sentiment_score":-0.02393677970394492},{"text":"I'm so sorry.","start":1759.11,"end":1760.01,"sentiment":"neutral","sentiment_score":-0.23362827797730765},{"text":"Yeah.","start":1762.31,"end":1762.81,"sentiment":"neutral","sentiment_score":-0.025419749319553375}],"sentiment":"neutral","sentiment_score":0.0698016592386094,"num_words":22,"start":1755.27,"end":1762.81},{"sentences":[{"text":"Sure.","start":1770.995,"end":1771.495,"sentiment":"neutral","sentiment_score":-0.013940243050456049},{"text":"It...","start":1772.4349,"end":1772.9349,"sentiment":"neutral","sentiment_score":-0.017592256888747215},{"text":"Yeah.","start":1773.315,"end":1773.635,"sentiment":"neutral","sentiment_score":-0.010822972282767296},{"text":"It is.","start":1773.635,"end":1774.195,"sentiment":"neutral","sentiment_score":-0.018675164319574833},{"text":"That did there.","start":1774.195,"end":1774.835,"sentiment":"neutral","sentiment_score":-0.05109830324848493}],"sentiment":"neutral","sentiment_score":-0.029125088825821877,"num_words":8,"start":1770.995,"end":1774.835},{"sentences":[{"text":"This hadn't quite been updated correctly.","start":1774.835,"end":1777.4,"sentiment":"neutral","sentiment_score":-0.18460611502329508},{"text":"We had to...","start":1777.78,"end":1778.42,"sentiment":"neutral","sentiment_score":-0.0552771786848704},{"text":"We did the document up the other day, and then it had to be updated again.","start":1778.42,"end":1782.02,"sentiment":"neutral","sentiment_score":-0.04220376000739634},{"text":"So it looks like that bit there hasn't been updated.","start":1782.02,"end":1784.76,"sentiment":"neutral","sentiment_score":-0.07855290770530701},{"text":"I can get that updated for you and reissue it.","start":1785.38,"end":1788.02,"sentiment":"neutral","sentiment_score":0.07103638425469398}],"sentiment":"neutral","sentiment_score":-0.04497541379597452,"num_words":45,"start":1774.835,"end":1788.02},{"sentences":[{"text":"Sorry about that.","start":1788.02,"end":1789.0,"sentiment":"neutral","sentiment_score":-0.2857712010542552},{"text":"This is small this is a small typo.","start":1789.805,"end":1792.145,"sentiment":"neutral","sentiment_score":-0.3139007203280926},{"text":"Yeah.","start":1793.965,"end":1794.465,"sentiment":"neutral","sentiment_score":-0.10105039179325104},{"text":"No.","start":1794.525,"end":1794.765,"sentiment":"neutral","sentiment_score":-0.17727334797382355},{"text":"It's okay.","start":1794.765,"end":1795.505,"sentiment":"neutral","sentiment_score":-0.07856662943959236}],"sentiment":"neutral","sentiment_score":-0.2535984242955844,"num_words":15,"start":1788.02,"end":1795.505},{"sentences":[{"text":"Because it takes a few days to put the document together, and your balance is changing basically every day.","start":1795.805,"end":1801.5651,"sentiment":"neutral","sentiment_score":-0.08082503825426102},{"text":"Every time we go and update the document, we've gotta update all those little sections there.","start":1801.5651,"end":1805.9,"sentiment":"neutral","sentiment_score":-0.05437915027141571},{"text":"So it looks like that one's just being missed, but we can have that updated and have it reissued to you just to reconfirm.","start":1806.2001,"end":1811.66,"sentiment":"neutral","sentiment_score":0.029823852635066334},{"text":"But, yeah, your balance at the moment is at $13,961.08.","start":1812.2001,"end":1816.06,"sentiment":"neutral","sentiment_score":0.02288706982508302},{"text":"Okay?","start":1816.12,"end":1816.62,"sentiment":"neutral","sentiment_score":0.030231088399887085}],"sentiment":"neutral","sentiment_score":-0.02044096973259002,"num_words":70,"start":1795.805,"end":1816.62},{"sentences":[{"text":"Yeah.","start":1818.9751,"end":1819.4751,"sentiment":"neutral","sentiment_score":0.09576545655727386},{"text":"Beautiful.","start":1822.175,"end":1822.675,"sentiment":"positive","sentiment_score":0.7700454592704773},{"text":"Now that is a lot.","start":1823.295,"end":1824.415,"sentiment":"positive","sentiment_score":0.5067050933837891},{"text":"Do you have any questions?","start":1824.415,"end":1825.6951,"sentiment":"neutral","sentiment_score":0.07344909459352493},{"text":"Did you want me to break any of that down a little bit further for you?","start":1825.6951,"end":1829.775,"sentiment":"neutral","sentiment_score":0.058767825132235885}],"sentiment":"neutral","sentiment_score":0.1681023949225034,"num_words":28,"start":1818.9751,"end":1829.775},{"sentences":[{"text":"Or no.","start":1829.775,"end":1832.6,"sentiment":"neutral","sentiment_score":-0.013555044308304787},{"text":"That's okay.","start":1832.74,"end":1833.4601,"sentiment":"neutral","sentiment_score":0.12456429749727249},{"text":"I think what I kind of really wanted to look at for this was instead of giving you advice documents and going, hey.","start":1833.4601,"end":1838.8201,"sentiment":"neutral","sentiment_score":0.15881874153147574},{"text":"We're gonna buy this, sell this, move this, change this, to simplify your super fund for you.","start":1838.8201,"end":1844.2001,"sentiment":"neutral","sentiment_score":0.30022601958583384},{"text":"And this separately managed account, this investment product basically simplifies it for you.","start":1844.5801,"end":1850.395,"sentiment":"positive","sentiment_score":0.370304225729062}],"sentiment":"neutral","sentiment_score":0.24197626015857646,"num_words":57,"start":1829.775,"end":1850.395},{"sentences":[{"text":"Because instead of us giving you an advice document every time we need to make changes in your portfolio that says we're gonna buy this, sell this, change this, move this, rebalance this, and overcomplicate things.","start":1850.395,"end":1863.28,"sentiment":"neutral","sentiment_score":0.15431864145729277},{"text":"You're just looking at that SMA product and your balance.","start":1863.66,"end":1866.96,"sentiment":"neutral","sentiment_score":0.2436967149376869},{"text":"And inside that, our investment committee can make those changes for you.","start":1867.02,"end":1872.64,"sentiment":"neutral","sentiment_score":0.20331826930244765},{"text":"We can, you know, be having the meetings known, look, inflation might be high, or this investment should be here, or we need to look at investing in this market over here.","start":1872.78,"end":1882.115,"sentiment":"neutral","sentiment_score":0.15563004021532834},{"text":"And then in the back end, our investment committee can make those changes without having to come and overcomplicate the the investment conversation with you.","start":1882.255,"end":1893.48,"sentiment":"neutral","sentiment_score":0.17311850924044847}],"sentiment":"neutral","sentiment_score":0.17165549122930868,"num_words":115,"start":1850.395,"end":1893.48},{"sentences":[{"text":"Does that make sense?","start":1893.48,"end":1894.62,"sentiment":"neutral","sentiment_score":0.134075740352273},{"text":"Yeah.","start":1896.36,"end":1896.86,"sentiment":"neutral","sentiment_score":0.24686262011528015},{"text":"It's about sort of making it more streamlined.","start":1897.24,"end":1899.5,"sentiment":"neutral","sentiment_score":0.30804064869880676},{"text":"The other thing I do like is because this has a lower risk level, you've kinda got that 49% growth and 51% defensive investments.","start":1899.7999,"end":1909.0449,"sentiment":"positive","sentiment_score":0.37794179469347},{"text":"It is lowering the risk from where you are at the moment, and you can be in this through those retirement years a little bit as well.","start":1909.9049,"end":1917.03,"sentiment":"positive","sentiment_score":0.416651858775704}],"sentiment":"positive","sentiment_score":0.36824521922972053,"num_words":64,"start":1893.48,"end":1917.03},{"sentences":[{"text":"It is more of a conservative portfolio, which is important.","start":1917.03,"end":1920.1699,"sentiment":"positive","sentiment_score":0.34919933378696444},{"text":"And that was one of the things that we talked about was that you guys have built up your capital.","start":1920.63,"end":1925.03,"sentiment":"neutral","sentiment_score":0.05639790780842304},{"text":"Your balances are definitely lower than where we would normally like them to be at your age.","start":1925.03,"end":1929.27,"sentiment":"neutral","sentiment_score":-0.030509764219031614},{"text":"And that's understandable with, you know, there's a lot of things that have happened.","start":1929.27,"end":1932.455,"sentiment":"neutral","sentiment_score":-0.01617216957466943},{"text":"Soup has taken, you know, built up over time.","start":1932.455,"end":1935.0149,"sentiment":"neutral","sentiment_score":0.0017588827759027485}],"sentiment":"neutral","sentiment_score":0.05558150104646172,"num_words":70,"start":1917.03,"end":1935.0149},{"sentences":[{"text":"It wasn't a big thing until the nineties.","start":1935.0149,"end":1937.575,"sentiment":"neutral","sentiment_score":0.04924143385142088},{"text":"It also wasn't compulsory for a long time there as well.","start":1937.575,"end":1940.715,"sentiment":"neutral","sentiment_score":0.04876552386717363},{"text":"But we just wanna make sure that, you know, your capital is being looked after, and it's been invested in a way that it can be altered and changed as it needs to be without the need to overcomplicate it for you.","start":1940.855,"end":1952.77,"sentiment":"neutral","sentiment_score":0.23188880422995203},{"text":"Does that make sense?","start":1952.77,"end":1953.99,"sentiment":"neutral","sentiment_score":0.1083123218268156},{"text":"Yeah.","start":1956.53,"end":1957.03,"sentiment":"neutral","sentiment_score":-0.02752506546676159}],"sentiment":"neutral","sentiment_score":0.16780918534619338,"num_words":66,"start":1935.0149,"end":1957.03},{"sentences":[{"text":"Yeah.","start":1958.975,"end":1959.475,"sentiment":"neutral","sentiment_score":-0.1303984522819519},{"text":"Yeah.","start":1963.615,"end":1964.115,"sentiment":"neutral","sentiment_score":-0.1249156817793846},{"text":"No.","start":1965.455,"end":1965.955,"sentiment":"neutral","sentiment_score":-0.14605674147605896},{"text":"Well, I will look after you.","start":1966.815,"end":1968.575,"sentiment":"neutral","sentiment_score":0.06286390001575153},{"text":"I will look after you.","start":1968.575,"end":1969.855,"sentiment":"neutral","sentiment_score":0.21575250327587128}],"sentiment":"neutral","sentiment_score":0.07532678863831929,"num_words":14,"start":1958.975,"end":1969.855},{"sentences":[{"text":"We we will be okay.","start":1969.855,"end":1971.455,"sentiment":"positive","sentiment_score":0.4000095725059509},{"text":"We'll keep reviewing it and looking at it and just keep altering it.","start":1971.455,"end":1975.37,"sentiment":"neutral","sentiment_score":0.31697608874394345},{"text":"And that's what this advice piece is about.","start":1975.37,"end":1977.21,"sentiment":"positive","sentiment_score":0.3892323896288872},{"text":"It's showing you how we can kind of alter things so that you're able to lower risk, look after your capital, keep it moving, but also utilize it when you need to as well.","start":1977.21,"end":1987.485,"sentiment":"positive","sentiment_score":0.3901903296218199},{"text":"Okay?","start":1987.485,"end":1987.985,"sentiment":"neutral","sentiment_score":0.179103821516037}],"sentiment":"positive","sentiment_score":0.37180608462114806,"num_words":61,"start":1969.855,"end":1987.985},{"sentences":[{"text":"Beautiful.","start":1990.045,"end":1990.545,"sentiment":"positive","sentiment_score":0.4676717519760132},{"text":"Now, Robin, if you can go back up a couple of pages for me, on your document, it should be page 22.","start":1991.005,"end":1998.125,"sentiment":"neutral","sentiment_score":0.10465765846046535},{"text":"It should be...","start":1998.125,"end":1999.185,"sentiment":"neutral","sentiment_score":0.04186437278985977},{"text":"The heading should say Robin fee comparison superannuation.","start":1999.23,"end":2002.21,"sentiment":"neutral","sentiment_score":0.03382073389366269},{"text":"Beautiful.","start":2006.11,"end":2006.61,"sentiment":"positive","sentiment_score":0.39014914631843567}],"sentiment":"neutral","sentiment_score":0.10161281068410193,"num_words":35,"start":1990.045,"end":2006.61},{"sentences":[{"text":"Now this is essentially the table showing you the difference in the recommendation there.","start":2007.07,"end":2011.07,"sentiment":"neutral","sentiment_score":0.1570273478116308},{"text":"So the first one shows your current balance.","start":2011.07,"end":2013.25,"sentiment":"neutral","sentiment_score":0.13793826382607222},{"text":"It shows your $13,961.08, your admin fees, investment fees, the ongoing service fee for us looking after and managing everything, your contributions going in at the moment.","start":2014.005,"end":2024.725,"sentiment":"neutral","sentiment_score":0.1756570957325123},{"text":"You've got no insurance premiums coming out, then underneath that at the very bottom, you've got your five year rolling average.","start":2024.725,"end":2031.1901,"sentiment":"neutral","sentiment_score":0.14070941365900494},{"text":"This shows that in that balanced growth environment, this portfolio has been able to average around about 4.77 on a yearly basis.","start":2031.65,"end":2040.31,"sentiment":"neutral","sentiment_score":0.1503170518712564}],"sentiment":"neutral","sentiment_score":0.15550547166039114,"num_words":92,"start":2007.07,"end":2040.31},{"sentences":[{"text":"Not as good as what we would realistically like, and you are taking a bit more risk to get a very low return.","start":2040.735,"end":2047.155,"sentiment":"negative","sentiment_score":-0.36042461058367853},{"text":"So I wanted to kind of look at making these changes for you.","start":2047.295,"end":2051.075,"sentiment":"neutral","sentiment_score":0.1272310740672625},{"text":"Now with the recommended column, which is the one next to it, it does show a difference in the balance, and that is because we are changing the investment.","start":2051.375,"end":2058.97,"sentiment":"neutral","sentiment_score":0.2146833665701079},{"text":"So we understand that your super fund, does have a capital gains consequence for for doing so.","start":2058.97,"end":2065.13,"sentiment":"neutral","sentiment_score":0.04137896899791325},{"text":"In order to change the investment, your super will account for $1,850.","start":2065.13,"end":2070.9949,"sentiment":"neutral","sentiment_score":0.07933794427663088}],"sentiment":"neutral","sentiment_score":0.013250567598585436,"num_words":94,"start":2040.735,"end":2070.9949},{"sentences":[{"text":"That is the capital gains consequence.","start":2071.055,"end":2072.915,"sentiment":"neutral","sentiment_score":0.0945771870513757},{"text":"But with the reduction of fees, with your contributions going in, and with the growth, your super fund should be able to make that money back nice and quick for you.","start":2073.535,"end":2082.87,"sentiment":"positive","sentiment_score":0.3645363301038742},{"text":"Okay?","start":2083.11,"end":2083.61,"sentiment":"neutral","sentiment_score":0.1108536571264267},{"text":"Yeah.","start":2084.7102,"end":2085.2102,"sentiment":"neutral","sentiment_score":0.01607830822467804},{"text":"Sure.","start":2086.07,"end":2086.57,"sentiment":"neutral","sentiment_score":0.025125356391072273}],"sentiment":"neutral","sentiment_score":0.3005036669317633,"num_words":40,"start":2071.055,"end":2086.57},{"sentences":[{"text":"Yep.","start":2089.03,"end":2089.53,"sentiment":"neutral","sentiment_score":0.019295185804367065},{"text":"Mhmm.","start":2092.3901,"end":2092.8901,"sentiment":"neutral","sentiment_score":0.024462642148137093},{"text":"Yes.","start":2093.4302,"end":2093.83,"sentiment":"neutral","sentiment_score":0.06494690477848053},{"text":"And I've I've factored that in for you as well.","start":2093.83,"end":2096.55,"sentiment":"neutral","sentiment_score":0.11587304696440696},{"text":"I looked at that.","start":2096.55,"end":2097.495,"sentiment":"neutral","sentiment_score":0.10003433749079704}],"sentiment":"neutral","sentiment_score":0.09809250307872015,"num_words":17,"start":2089.03,"end":2097.495},{"sentences":[{"text":"So, essentially, with that, that $20 extra per week that you're putting in equates to about a thousand and $40 over the course of the year.","start":2097.495,"end":2107.8352,"sentiment":"neutral","sentiment_score":0.08628569471721466},{"text":"With your income being under the threshold, when you do your tax return for the year, that is all sent off to the government.","start":2107.975,"end":2115.0798,"sentiment":"neutral","sentiment_score":0.07783535184959571},{"text":"Essentially, based on your income that we have, you should be eligible to receive the full $500 as a government co contribution.","start":2116.18,"end":2122.92,"sentiment":"neutral","sentiment_score":0.14107149907133795},{"text":"But once your tax return for the last financial year is being completed and sent to the ATO for rebalancing, then the government will deposit that into your super fund for you.","start":2123.38,"end":2133.215,"sentiment":"neutral","sentiment_score":0.06318179576192051},{"text":"Does that make sense?","start":2133.215,"end":2134.2751,"sentiment":"neutral","sentiment_score":0.05046235490590334}],"sentiment":"neutral","sentiment_score":0.08739552195011466,"num_words":108,"start":2097.495,"end":2134.2751},{"sentences":[{"text":"Yeah.","start":2135.455,"end":2135.955,"sentiment":"neutral","sentiment_score":0.08417351543903351},{"text":"Beautiful.","start":2136.8152,"end":2137.3152,"sentiment":"positive","sentiment_score":0.3712882995605469},{"text":"I'm just gonna log in and see if...","start":2141.95,"end":2143.8699,"sentiment":"neutral","sentiment_score":0.005045965313911438},{"text":"You're right.","start":2143.8699,"end":2144.2698,"sentiment":"neutral","sentiment_score":0.04875694029033184},{"text":"I'll just log in and see if it's come in for you as of yet.","start":2144.2698,"end":2147.25,"sentiment":"neutral","sentiment_score":0.031844524666666985}],"sentiment":"neutral","sentiment_score":0.03966708474413112,"num_words":27,"start":2135.455,"end":2147.25},{"sentences":[{"text":"It doesn't always happen quick.","start":2147.7898,"end":2149.5498,"sentiment":"neutral","sentiment_score":-0.13001644909381865},{"text":"You know, the government, they're happy to take money, but not happy to give it in a hurry.","start":2149.5498,"end":2153.49,"sentiment":"neutral","sentiment_score":-0.21441661732064354},{"text":"Hold on to it as long as possible.","start":2158.925,"end":2160.7048,"sentiment":"neutral","sentiment_score":-0.1031921161338687},{"text":"Yeah.","start":2163.2449,"end":2163.7449,"sentiment":"neutral","sentiment_score":0.08078151196241379},{"text":"So with that recommended side, I've also considered and factored in that government co contribution as well based on the research there.","start":2164.4448,"end":2171.87,"sentiment":"neutral","sentiment_score":0.1959659748456695}],"sentiment":"neutral","sentiment_score":-0.01746454310637933,"num_words":54,"start":2147.7898,"end":2171.87},{"sentences":[{"text":"So the thing I do like, as much as there is a CGT consequence for making the change in the investments, it also is cheaper.","start":2171.87,"end":2179.33,"sentiment":"positive","sentiment_score":0.4314361310005188},{"text":"So this new core product within Hub 24, it saves you a $187 for the year on administration fees, so it makes your admin fees cheaper.","start":2180.195,"end":2190.375,"sentiment":"positive","sentiment_score":0.44109621472083604},{"text":"It's also gonna reduce your investment fees by a $163 as well.","start":2190.7551,"end":2195.73,"sentiment":"positive","sentiment_score":0.47571950405836105},{"text":"So, overall, you're saving about $350 a year in admin and investment fees, which is good.","start":2195.73,"end":2202.45,"sentiment":"positive","sentiment_score":0.771485012024641},{"text":"That money stays in your super working harder for you.","start":2202.45,"end":2205.33,"sentiment":"positive","sentiment_score":0.7515139222145081}],"sentiment":"positive","sentiment_score":0.5373251496740942,"num_words":89,"start":2171.87,"end":2205.33},{"sentences":[{"text":"Okay?","start":2205.33,"end":2205.83,"sentiment":"neutral","sentiment_score":0.301418274641037},{"text":"The ongoing service fee is, yeah, a little bit lower as well, which is good because the balance is dropping with the change.","start":2207.4102,"end":2214.135,"sentiment":"positive","sentiment_score":0.4281554831110913},{"text":"And the net contribution there, that's your employment contributions plus your non concessional contribution of $20 per week.","start":2214.7551,"end":2221.98,"sentiment":"neutral","sentiment_score":0.23295910822020638},{"text":"Plus we've also factored into that the $500 for the government co contribution.","start":2222.14,"end":2227.1199,"sentiment":"neutral","sentiment_score":0.2018119887663768},{"text":"So that's essentially showing what the contribution should be for the year, total between all of those things for you.","start":2227.18,"end":2233.58,"sentiment":"neutral","sentiment_score":0.17092777080833912}],"sentiment":"neutral","sentiment_score":0.27179159472386044,"num_words":75,"start":2205.33,"end":2233.58},{"sentences":[{"text":"Okay?","start":2233.58,"end":2234.08,"sentiment":"neutral","sentiment_score":0.10240031778812408},{"text":"Beautiful.","start":2236.105,"end":2236.605,"sentiment":"neutral","sentiment_score":0.3308216333389282},{"text":"Now underneath that, you'll also see...","start":2236.665,"end":2239.5652,"sentiment":"neutral","sentiment_score":0.06750858419885238},{"text":"It doesn't look like it has come in yet.","start":2240.105,"end":2241.705,"sentiment":"neutral","sentiment_score":0.010090272149278058},{"text":"I'm just looking at the transactions.","start":2241.705,"end":2243.0051,"sentiment":"neutral","sentiment_score":0.03406045182297627}],"sentiment":"neutral","sentiment_score":0.04928037463484899,"num_words":23,"start":2233.58,"end":2243.0051},{"sentences":[{"text":"So it doesn't look like the government co contribution has come in yet.","start":2243.225,"end":2247.0652,"sentiment":"neutral","sentiment_score":0.03321733497656309},{"text":"So, hopefully, in the next few months, it'll appear automatically.","start":2247.0652,"end":2250.49,"sentiment":"neutral","sentiment_score":0.1137119933962822},{"text":"Yeah.","start":2255.03,"end":2255.27,"sentiment":"neutral","sentiment_score":0.1894402801990509},{"text":"They're quick to take the money.","start":2255.27,"end":2256.55,"sentiment":"positive","sentiment_score":0.39722010989983875},{"text":"They're good to hold on to it, though, aren't they?","start":2256.55,"end":2258.73,"sentiment":"neutral","sentiment_score":0.2939198285341263}],"sentiment":"neutral","sentiment_score":0.1770226128399372,"num_words":40,"start":2243.225,"end":2258.73},{"sentences":[{"text":"Yeah.","start":2260.3098,"end":2260.8098,"sentiment":"neutral","sentiment_score":0.06700052320957184},{"text":"Now at the bottom of that, the investor profile, you'll see next to the...","start":2262.0051,"end":2265.945,"sentiment":"neutral","sentiment_score":0.0549836986299072},{"text":"In the recommended column, the balanced option.","start":2266.325,"end":2268.725,"sentiment":"neutral","sentiment_score":0.08643572351762227},{"text":"So this is moving you down from that balanced growth environment to balance.","start":2268.725,"end":2272.745,"sentiment":"neutral","sentiment_score":0.20926210169608778},{"text":"So lowering your risk, saving you on fees, but the newer SMA product has also performed better than your current super investments as well.","start":2272.8052,"end":2282.3298,"sentiment":"neutral","sentiment_score":0.3216524242113034}],"sentiment":"neutral","sentiment_score":0.20138793003003477,"num_words":59,"start":2260.3098,"end":2282.3298},{"sentences":[{"text":"So it's averaging 5.72%.","start":2282.39,"end":2285.0498,"sentiment":"neutral","sentiment_score":0.24151121824979782},{"text":"Essentially, that is a good conservative rate of return for this sort of environment, and getting that consistently over time can help for you...","start":2285.5898,"end":2294.005,"sentiment":"neutral","sentiment_score":0.2591911318401496},{"text":"You know, can help you to draw down the income that you do need.","start":2294.005,"end":2297.105,"sentiment":"neutral","sentiment_score":0.13098857498594693},{"text":"This portfolio can obtain a much greater return.","start":2297.2449,"end":2301.185,"sentiment":"neutral","sentiment_score":0.18780438043177128},{"text":"You know, we are gonna see years of negative returns and good returns and things like that.","start":2301.725,"end":2307.1,"sentiment":"neutral","sentiment_score":0.004929718725821551}],"sentiment":"neutral","sentiment_score":0.15830913953371903,"num_words":67,"start":2282.39,"end":2307.1},{"sentences":[{"text":"We just need to kinda keep monitoring it with you, seeing how it's performing, and watching your draw downs to make sure that you're always earning the income that you need, but that your super is, you know, performing and kicking along nicely as well.","start":2307.4001,"end":2322.075,"sentiment":"neutral","sentiment_score":0.3060718321137958},{"text":"Okay?","start":2322.135,"end":2322.635,"sentiment":"neutral","sentiment_score":0.11236405372619628},{"text":"Beautiful.","start":2324.4548,"end":2324.9548,"sentiment":"neutral","sentiment_score":0.28836774826049805},{"text":"Do you have any questions about that table at all?","start":2325.015,"end":2327.755,"sentiment":"neutral","sentiment_score":0.08912387937307358},{"text":"No?","start":2329.655,"end":2330.055,"sentiment":"neutral","sentiment_score":-0.024908261373639107}],"sentiment":"neutral","sentiment_score":0.25931542723214834,"num_words":58,"start":2307.4001,"end":2330.055},{"sentences":[{"text":"Beautiful.","start":2330.055,"end":2330.555,"sentiment":"neutral","sentiment_score":0.06854432821273804},{"text":"Underneath that, you'll see there is a projection table.","start":2331.2798,"end":2334.48,"sentiment":"neutral","sentiment_score":0.042225124314427376},{"text":"I've only done one year of projections because you are essentially planning to retire next year.","start":2334.48,"end":2341.0598,"sentiment":"neutral","sentiment_score":0.023827985860407352},{"text":"I didn't wanna sort of show you too much.","start":2341.2,"end":2343.405,"sentiment":"neutral","sentiment_score":-0.06680131827791531},{"text":"So we're looking at, you know, making this change now so that when you retire next year, this is essentially looking at what the projected outcome shows.","start":2343.405,"end":2352.705,"sentiment":"neutral","sentiment_score":0.087609494311942}],"sentiment":"neutral","sentiment_score":0.041839721011779,"num_words":62,"start":2330.055,"end":2352.705},{"sentences":[{"text":"You can sort of see by saving fees, by moving into the SMA product, and with your contributions there, it's only a difference of $52 for the year in the projected outcome of your balance, which is pretty good.","start":2353.085,"end":2365.48,"sentiment":"neutral","sentiment_score":0.1855656141654039},{"text":"Yeah.","start":2367.3,"end":2367.8,"sentiment":"neutral","sentiment_score":0.3301316797733307},{"text":"Beautiful.","start":2368.34,"end":2368.84,"sentiment":"positive","sentiment_score":0.5816020965576172},{"text":"If we go down to the next page there, you'll see the annualized returns.","start":2372.7852,"end":2378.625,"sentiment":"neutral","sentiment_score":0.2403547614812851},{"text":"Now this is just showing you the difference between your current product and how it has performed versus the SMA when we look at twelve months, three years, and five years.","start":2378.625,"end":2388.9,"sentiment":"neutral","sentiment_score":0.11584457034064878}],"sentiment":"neutral","sentiment_score":0.17563884965209073,"num_words":86,"start":2353.085,"end":2388.9},{"sentences":[{"text":"So you can sort of see in that recommended...","start":2389.2,"end":2391.22,"sentiment":"neutral","sentiment_score":0.057405554172065526},{"text":"The the newer investment product has performed pretty well long term, and you can sort of see over three years it has potential for about 9%.","start":2391.52,"end":2401.055,"sentiment":"neutral","sentiment_score":0.2884325717504208},{"text":"So we use a five year rolling average with that 5.72 a because it gives a more conservative projected outcome.","start":2401.055,"end":2407.4768,"sentiment":"neutral","sentiment_score":0.17274835668504238},{"text":"But, realistically, this portfolio could perform much greater than that 5%.","start":2407.4768,"end":2408.445,"sentiment":"neutral","sentiment_score":0.2130774212154475},{"text":"Realistically, this portfolio could perform much greater than that 5%.","start":2409.0698,"end":2413.01,"sentiment":"neutral","sentiment_score":0.17754386439919473}],"sentiment":"neutral","sentiment_score":0.20513360873845063,"num_words":76,"start":2389.2,"end":2413.01},{"sentences":[{"text":"Okay?","start":2413.47,"end":2413.97,"sentiment":"neutral","sentiment_score":0.11040332168340684},{"text":"Yeah.","start":2415.63,"end":2416.13,"sentiment":"neutral","sentiment_score":0.18903927505016327},{"text":"Beautiful.","start":2416.3499,"end":2416.8499,"sentiment":"positive","sentiment_score":0.40693730115890503},{"text":"Do you have any questions there, Robin?","start":2417.15,"end":2418.99,"sentiment":"neutral","sentiment_score":0.12318129518202373},{"text":"I know it can be a lot, and I'm so sorry.","start":2418.99,"end":2421.0898,"sentiment":"neutral","sentiment_score":-0.09920683909546245}],"sentiment":"neutral","sentiment_score":0.022732082576978774,"num_words":21,"start":2413.47,"end":2421.0898},{"sentences":[{"text":"Yep.","start":2424.1648,"end":2424.6648,"sentiment":"neutral","sentiment_score":0.2235282361507416},{"text":"Beautiful.","start":2424.7249,"end":2425.2249,"sentiment":"positive","sentiment_score":0.3719481527805328},{"text":"Now what I'll get you to do is we'll scroll down a little bit more, and we'll head down to page number...","start":2426.7249,"end":2433.065,"sentiment":"neutral","sentiment_score":0.05315148682248863},{"text":"Sorry.","start":2433.285,"end":2433.785,"sentiment":"neutral","sentiment_score":-0.027472857385873795},{"text":"Number 30 on mine.","start":2435.8499,"end":2437.0498,"sentiment":"neutral","sentiment_score":0.007627962389960885}],"sentiment":"neutral","sentiment_score":0.06096027900689635,"num_words":29,"start":2424.1648,"end":2437.0498},{"sentences":[{"text":"So number 31 on yours, and this is Frank's sofa.","start":2437.0498,"end":2440.51,"sentiment":"neutral","sentiment_score":0.027247726917266846},{"text":"Beautiful.","start":2443.5298,"end":2444.0298,"sentiment":"positive","sentiment_score":0.39421114325523376},{"text":"Beautiful.","start":2450.7449,"end":2451.2449,"sentiment":"positive","sentiment_score":0.33890509605407715},{"text":"Yep.","start":2456.505,"end":2456.9048,"sentiment":"neutral","sentiment_score":0.07970313727855682},{"text":"I can hear you both.","start":2456.9048,"end":2457.865,"sentiment":"neutral","sentiment_score":0.05399890020489693}],"sentiment":"neutral","sentiment_score":0.07529395259916782,"num_words":18,"start":2437.0498,"end":2457.865},{"sentences":[{"text":"You still there?","start":2457.865,"end":2458.765,"sentiment":"neutral","sentiment_score":0.013947789246837297},{"text":"Beautiful.","start":2460.7449,"end":2461.2449,"sentiment":"neutral","sentiment_score":0.2897763252258301},{"text":"So, Frank, this one's basically yourself, and it did the exact same thing.","start":2461.785,"end":2465.55,"sentiment":"neutral","sentiment_score":0.12545614746900705},{"text":"I had a look at how your super was performing, looked at the different platforms, looking at how everything was structured now and with your current balance sitting in there.","start":2465.55,"end":2473.8901,"sentiment":"neutral","sentiment_score":0.07813351110865673},{"text":"Essentially, I am recommending again the exact same thing that we do, you know, essentially retain hub 24, but move you into that new SMA product that we've got available.","start":2474.59,"end":2486.085,"sentiment":"neutral","sentiment_score":0.12267113303144773}],"sentiment":"neutral","sentiment_score":0.10372323291255282,"num_words":77,"start":2457.865,"end":2486.085},{"sentences":[{"text":"Utilizing and making sure it's managed correctly, it, again, is reducing your risk level within the market there, and it's also giving...","start":2487.185,"end":2494.4102,"sentiment":"neutral","sentiment_score":0.20276836576786908},{"text":"You know, making sure that we can make changes to your super as as needed to make sure it's always working harder for you.","start":2494.47,"end":2500.57,"sentiment":"neutral","sentiment_score":0.034715359176819525},{"text":"Just because we're in this SMA product doesn't mean we need...","start":2500.71,"end":2503.51,"sentiment":"neutral","sentiment_score":-0.018110271119935947},{"text":"Don't need to review it.","start":2503.51,"end":2504.55,"sentiment":"neutral","sentiment_score":-0.06654748022556305},{"text":"We still need to review it with you to make sure it is working harder to make changes, And there might be a time where we, you know, reduce the risk even more essentially down the track, but we'll kinda keep reviewing it with you to see how comfortable you both are with this.","start":2504.55,"end":2517.955,"sentiment":"neutral","sentiment_score":0.03807713146562929}],"sentiment":"neutral","sentiment_score":0.05877833950718672,"num_words":116,"start":2487.185,"end":2517.955},{"sentences":[{"text":"Again, with yourself, Frank, it's just about retaining hub 24.","start":2518.8152,"end":2522.175,"sentiment":"neutral","sentiment_score":0.06841518692672252},{"text":"In the back end, we'll move you out of into the core product.","start":2522.175,"end":2525.43,"sentiment":"neutral","sentiment_score":0.06673386234503526},{"text":"It's just the back end switch of the actual product or the menu of Hub 24.","start":2525.43,"end":2530.17,"sentiment":"neutral","sentiment_score":0.0672547034919262},{"text":"And then we will complete the sale and the switching of your investments and move you into the Grove SMA or separately managed account as it's actually called.","start":2530.63,"end":2541.125,"sentiment":"neutral","sentiment_score":0.1475656804229532},{"text":"For yourself, Frank, your CDT consequence on this is expected to be 1300 and 17, so definitely lower than Robin's.","start":2541.905,"end":2550.1648,"sentiment":"neutral","sentiment_score":0.13025989793241025}],"sentiment":"neutral","sentiment_score":0.10764142926568272,"num_words":87,"start":2518.8152,"end":2550.1648},{"sentences":[{"text":"However, we are still saving on fees for that.","start":2551.05,"end":2553.9502,"sentiment":"neutral","sentiment_score":0.1979123072491752},{"text":"Okay?","start":2554.01,"end":2554.51,"sentiment":"neutral","sentiment_score":0.15028339624404907},{"text":"Excellent.","start":2556.8901,"end":2557.3901,"sentiment":"positive","sentiment_score":0.5873009562492371},{"text":"If you can move down for me just to page number 38 a month, so 39 on yours, And this is your fee comparison table.","start":2557.85,"end":2567.725,"sentiment":"neutral","sentiment_score":0.1447078123688698},{"text":"Yep.","start":2574.425,"end":2574.8252,"sentiment":"neutral","sentiment_score":0.2737811207771301}],"sentiment":"neutral","sentiment_score":0.1732505823712091,"num_words":37,"start":2551.05,"end":2574.8252},{"sentences":[{"text":"Beautiful.","start":2574.8252,"end":2575.3252,"sentiment":"positive","sentiment_score":0.5436505079269409},{"text":"So we've got the current recommended there.","start":2575.945,"end":2578.29,"sentiment":"neutral","sentiment_score":0.23463861431394303},{"text":"So the current with your super balance sitting there at $8,880.01, and then we've also got your administration fees, investment fees, any other fees applicable there, your ongoing service fee.","start":2578.37,"end":2589.99,"sentiment":"neutral","sentiment_score":0.20016585811972618},{"text":"You're not paying in any contributions in currently, and there's no insurance premiums coming out.","start":2590.37,"end":2595.7148,"sentiment":"neutral","sentiment_score":0.17829359571139017},{"text":"Looking at the way you are invested, it's, again, that balanced growth kind of environment there, and your portfolio has averaged about 4.10% over the past five years.","start":2595.9348,"end":2606.5999,"sentiment":"positive","sentiment_score":0.4141524354262011}],"sentiment":"neutral","sentiment_score":0.27730578616445445,"num_words":81,"start":2574.8252,"end":2606.5999},{"sentences":[{"text":"So with the recommended, we understand the CDT consequence is 1,317.","start":2607.0598,"end":2613.7998,"sentiment":"neutral","sentiment_score":0.06720493048090827},{"text":"That essentially means that after making the switch, we expect your balance to be at $87,004.84.","start":2614.42,"end":2620.905,"sentiment":"neutral","sentiment_score":0.14509735442698002},{"text":"We still understand there are administration fees and investment fees, but they are definitely cheaper.","start":2621.205,"end":2626.105,"sentiment":"neutral","sentiment_score":0.24257722397645315},{"text":"So the same as with Robin Super, by making the switch, we'll save you $215 for the year in administration fees, and then we'll also save another $100 in investment fees there.","start":2626.405,"end":2638.8801,"sentiment":"positive","sentiment_score":0.3613397032022476},{"text":"So all up for the year, it's saving you about $315 in administration fees and investment fees as well, which is good.","start":2638.9402,"end":2646.675,"sentiment":"positive","sentiment_score":0.4976310743526979}],"sentiment":"neutral","sentiment_score":0.30427317087499733,"num_words":96,"start":2607.0598,"end":2646.675},{"sentences":[{"text":"Okay.","start":2646.915,"end":2647.415,"sentiment":"positive","sentiment_score":0.3741629123687744},{"text":"Absolutely.","start":2650.0352,"end":2650.5352,"sentiment":"positive","sentiment_score":0.5051670074462891},{"text":"Definitely.","start":2650.915,"end":2651.415,"sentiment":"positive","sentiment_score":0.4716350436210632},{"text":"At the very bottom there, again, you're going going into that balanced portfolio over the balanced growth.","start":2653.635,"end":2658.835,"sentiment":"positive","sentiment_score":0.413784384727478},{"text":"So we're reducing our risk level within the market and adding those additional protections with the management side of things through the SMA there.","start":2658.835,"end":2666.68,"sentiment":"positive","sentiment_score":0.36432241027553874}],"sentiment":"positive","sentiment_score":0.38929630341854965,"num_words":44,"start":2646.915,"end":2666.68},{"sentences":[{"text":"And this SMA has averaged 5.72%.","start":2666.9001,"end":2670.28,"sentiment":"neutral","sentiment_score":0.31860094765822095},{"text":"So that, when you look at it, can have more of a significant change for yourself because your CGT consequence is a little bit lower.","start":2670.34,"end":2678.305,"sentiment":"positive","sentiment_score":0.34220785200595855},{"text":"Your balance is a little bit lower as well.","start":2678.305,"end":2680.645,"sentiment":"neutral","sentiment_score":0.19786128732893202},{"text":"The projected outcome's a little bit better for yourself.","start":2681.025,"end":2683.765,"sentiment":"positive","sentiment_score":0.3590518666638268},{"text":"So we do expect you to be in front by that $222 over the next twelve months with this one.","start":2683.9048,"end":2691.1802,"sentiment":"positive","sentiment_score":0.3893625795841217}],"sentiment":"positive","sentiment_score":0.3371923473002254,"num_words":69,"start":2666.9001,"end":2691.1802},{"sentences":[{"text":"So it's putting you in front, which is great.","start":2691.4001,"end":2693.82,"sentiment":"positive","sentiment_score":0.5774153537220426},{"text":"Okay?","start":2693.96,"end":2694.46,"sentiment":"neutral","sentiment_score":0.27714094519615173},{"text":"Yeah.","start":2695.72,"end":2696.22,"sentiment":"neutral","sentiment_score":0.1715661585330963},{"text":"Yeah.","start":2696.76,"end":2697.26,"sentiment":"neutral","sentiment_score":0.273424357175827},{"text":"Excellent.","start":2697.32,"end":2697.82,"sentiment":"positive","sentiment_score":0.4087161421775818}],"sentiment":"positive","sentiment_score":0.4867373681985415,"num_words":13,"start":2691.4001,"end":2697.82},{"sentences":[{"text":"And then on the next page there, we've got the recommended and the current portfolios.","start":2698.4402,"end":2702.3801,"sentiment":"neutral","sentiment_score":0.1876324087381363},{"text":"The returns, they are the same as above, but just showing you how they have performed side by side over the past twelve months, three years, and five years there for you.","start":2702.6,"end":2711.1548,"sentiment":"neutral","sentiment_score":0.2109122183173895},{"text":"Okay?","start":2711.1548,"end":2711.6548,"sentiment":"neutral","sentiment_score":0.12526224553585052},{"text":"Excellent.","start":2713.875,"end":2714.375,"sentiment":"neutral","sentiment_score":0.2610914409160614},{"text":"Do you have any questions at all, Frank?","start":2714.6748,"end":2716.515,"sentiment":"neutral","sentiment_score":0.10208698641508818}],"sentiment":"neutral","sentiment_score":0.1888899420175636,"num_words":57,"start":2698.4402,"end":2716.515},{"sentences":[{"text":"You're welcome to let me know if you do.","start":2716.515,"end":2718.375,"sentiment":"neutral","sentiment_score":0.1528818193409178},{"text":"Beautiful.","start":2722.66,"end":2723.16,"sentiment":"positive","sentiment_score":0.407258003950119},{"text":"Excellent.","start":2723.22,"end":2723.72,"sentiment":"positive","sentiment_score":0.3686959743499756},{"text":"I would definitely wanna make sure we kinda build on that.","start":2726.74,"end":2729.7998,"sentiment":"neutral","sentiment_score":0.28872389685023914},{"text":"I like a conservative projection so that we're not overestimating, but just making sure that we touch base with you and keep updating things to see how it's all going, keep monitoring it, and maybe do six monthly catch ups as well to sort of see how it's all tracking for you both as well.","start":2729.94,"end":2746.9949,"sentiment":"neutral","sentiment_score":0.23944272019646384}],"sentiment":"neutral","sentiment_score":0.24022341335748698,"num_words":77,"start":2716.515,"end":2746.9949},{"sentences":[{"text":"Okay?","start":2746.9949,"end":2747.4949,"sentiment":"neutral","sentiment_score":0.09071603417396544},{"text":"K.","start":2749.635,"end":2750.01,"sentiment":"neutral","sentiment_score":0.0531654953956604},{"text":"Excellent.","start":2752.41,"end":2752.91,"sentiment":"neutral","sentiment_score":0.3190672695636749},{"text":"Yes.","start":2754.09,"end":2754.59,"sentiment":"neutral","sentiment_score":0.16896945238113403},{"text":"Yes.","start":2754.73,"end":2755.23,"sentiment":"neutral","sentiment_score":0.10549725592136384}],"sentiment":"neutral","sentiment_score":0.14748310148715973,"num_words":5,"start":2746.9949,"end":2755.23},{"sentences":[{"text":"Yes.","start":2755.53,"end":2756.03,"sentiment":"neutral","sentiment_score":0.1186266764998436},{"text":"I'll update that for you.","start":2756.41,"end":2757.77,"sentiment":"neutral","sentiment_score":0.06658755503594875},{"text":"Sorry about that.","start":2757.77,"end":2758.67,"sentiment":"neutral","sentiment_score":-0.14978675047556558},{"text":"It's...","start":2759.61,"end":2759.85,"sentiment":"neutral","sentiment_score":-0.0727885365486145},{"text":"It is it is protecting your whole one year away.","start":2759.85,"end":2762.33,"sentiment":"neutral","sentiment_score":-0.09014734029769897}],"sentiment":"neutral","sentiment_score":-0.04860288696363568,"num_words":20,"start":2755.53,"end":2762.33},{"sentences":[{"text":"So...","start":2762.33,"end":2762.65,"sentiment":"neutral","sentiment_score":-0.02519751526415348},{"text":"Because you're nearly 70, realistically, in this this time next year, you'll be almost 71.","start":2762.65,"end":2769.315,"sentiment":"neutral","sentiment_score":-0.06974229166905085},{"text":"But I don't want you to feel like I'm making you older than you really are.","start":2769.855,"end":2772.895,"sentiment":"negative","sentiment_score":-0.34002753160893917},{"text":"It's just more with the age you're turning.","start":2772.895,"end":2774.835,"sentiment":"neutral","sentiment_score":-0.21463355608284473},{"text":"Sorry about that.","start":2774.895,"end":2775.9548,"sentiment":"neutral","sentiment_score":-0.21681179602940878}],"sentiment":"neutral","sentiment_score":-0.2064947961114867,"num_words":43,"start":2762.33,"end":2775.9548},{"sentences":[{"text":"I'm glad you're proud of that.","start":2782.8901,"end":2784.99,"sentiment":"positive","sentiment_score":0.6351516544818878},{"text":"You've done really well.","start":2790.855,"end":2792.135,"sentiment":"positive","sentiment_score":0.7126237899065018},{"text":"I want you to enjoy the rest of you.","start":2792.135,"end":2793.655,"sentiment":"positive","sentiment_score":0.6384084158473544},{"text":"You still got a lot of living to do.","start":2793.655,"end":2795.435,"sentiment":"positive","sentiment_score":0.505681680308448},{"text":"Absolutely.","start":2799.575,"end":2800.075,"sentiment":"neutral","sentiment_score":0.30799341201782227}],"sentiment":"positive","sentiment_score":0.5953865297909441,"num_words":29,"start":2782.8901,"end":2800.075},{"sentences":[{"text":"The next page down is just basically a run over of the investment asset allocation there.","start":2801.735,"end":2808.5298,"sentiment":"neutral","sentiment_score":0.0962539033498615},{"text":"But if you go down to page number 42, you'll have the recommended investment table, and that is showing you, Frank, essentially what investments you have currently, how they will all be essentially either sold down or transferred.","start":2808.5298,"end":2821.625,"sentiment":"neutral","sentiment_score":0.07594479747900837},{"text":"So at the bottom of that table again, you'll just see you'll have 20 four exactly as it is now, but the investment you'll see is the growth, and you'll see your balance in there.","start":2822.1648,"end":2832.78,"sentiment":"neutral","sentiment_score":0.055483499967626165},{"text":"Beautiful.","start":2837.5,"end":2838.0,"sentiment":"positive","sentiment_score":0.34030288457870483},{"text":"And, again, this table is showing...","start":2838.3,"end":2840.56,"sentiment":"neutral","sentiment_score":0.05602041228363911}],"sentiment":"neutral","sentiment_score":0.07337825640570372,"num_words":96,"start":2801.735,"end":2840.56},{"sentences":[{"text":"This needs to be updated because your balance has changed a little bit from when we completed this.","start":2840.78,"end":2845.335,"sentiment":"neutral","sentiment_score":-0.03214168403711584},{"text":"So I'll just go back and get my team to update that, and we'll resend it through to you later.","start":2845.815,"end":2850.4749,"sentiment":"neutral","sentiment_score":0.018034600000828505},{"text":"Okay?","start":2850.535,"end":2851.035,"sentiment":"neutral","sentiment_score":0.051313549280166626},{"text":"Beautiful.","start":2853.575,"end":2854.075,"sentiment":"positive","sentiment_score":0.6232823729515076},{"text":"Excellent.","start":2854.535,"end":2855.035,"sentiment":"positive","sentiment_score":0.5467138886451721}],"sentiment":"neutral","sentiment_score":0.024474426785983692,"num_words":41,"start":2840.78,"end":2855.035},{"sentences":[{"text":"Now if we kind of keep going on, I also wanted to have a little bit of a look at the retirement aspect.","start":2856.135,"end":2861.71,"sentiment":"neutral","sentiment_score":0.11157417200181795},{"text":"So this will be reviewed with you both as we get closer to it, and we'll do a review with you next year prior to you retiring there, Robin.","start":2861.71,"end":2871.01,"sentiment":"neutral","sentiment_score":0.08446890822258489},{"text":"But moving down to page number 44, you'll see here it's got Frank and Robin strategy recommendations, and this is about moving into that pension phase when you turn 60 seven.","start":2871.31,"end":2881.6648,"sentiment":"neutral","sentiment_score":0.08313668795651005},{"text":"Beautiful.","start":2884.4448,"end":2884.9448,"sentiment":"neutral","sentiment_score":0.0549355186522007},{"text":"So because this is essentially part of the short term, and we know that next year you'll be 67 in November, and your goal is to essentially retire there.","start":2885.2449,"end":2895.16,"sentiment":"neutral","sentiment_score":0.13762567667611714}],"sentiment":"neutral","sentiment_score":0.10300107755228481,"num_words":113,"start":2856.135,"end":2895.16},{"sentences":[{"text":"It was appropriate to factor this into the recommendations to sort of look at the Centrelink side of things, but also what the expected drawdown might look like or how much you'll need to drawdown to cover your living expenses to meet your goal.","start":2895.16,"end":2908.325,"sentiment":"neutral","sentiment_score":0.1059563122689724},{"text":"One of the things we sort of talked about was that between the both of you, you wanted to live on about $2,000 per fortnight.","start":2908.9448,"end":2915.525,"sentiment":"neutral","sentiment_score":0.04700161546468735},{"text":"Is that still fairly accurate?","start":2915.665,"end":2917.2048,"sentiment":"neutral","sentiment_score":0.023516590148210524},{"text":"Yep.","start":2926.04,"end":2926.54,"sentiment":"neutral","sentiment_score":0.02373126521706581},{"text":"Well, it's actually just increased a little bit, and I'll show you what that is.","start":2928.76,"end":2932.7,"sentiment":"neutral","sentiment_score":0.09385875711838404}],"sentiment":"neutral","sentiment_score":0.0820701522131761,"num_words":90,"start":2895.16,"end":2932.7},{"sentences":[{"text":"Let's go down a little bit.","start":2932.76,"end":2935.295,"sentiment":"neutral","sentiment_score":0.06420209507147472},{"text":"Let's go down to...","start":2936.795,"end":2938.335,"sentiment":"neutral","sentiment_score":0.05994768161326647},{"text":"I'm just going forward a little bit.","start":2940.875,"end":2942.875,"sentiment":"neutral","sentiment_score":0.05821071458714349},{"text":"If we can go down to page number 51, I can show you what that looks like.","start":2942.875,"end":2955.5,"sentiment":"neutral","sentiment_score":0.07107425415340592},{"text":"Yeah.","start":2955.6401,"end":2956.04,"sentiment":"neutral","sentiment_score":0.07841693609952927}],"sentiment":"neutral","sentiment_score":0.06626164444855281,"num_words":35,"start":2932.76,"end":2956.04},{"sentences":[{"text":"So they've just increased it.","start":2956.04,"end":2957.48,"sentiment":"neutral","sentiment_score":0.11229423582553863},{"text":"The age pension is assessed, or a few of the Centrelink pensions are assessed essentially twice a year around the March 20 and September.","start":2957.48,"end":2965.835,"sentiment":"neutral","sentiment_score":0.07731755062316854},{"text":"And when they need to be, they are indexed and increased to keep up with inflation.","start":2966.615,"end":2971.195,"sentiment":"neutral","sentiment_score":0.06992142647504807},{"text":"So this all has been updated very recently.","start":2971.9102,"end":2974.6501,"sentiment":"neutral","sentiment_score":0.1194210248067975},{"text":"So currently, the age pension is paying out 933 per person a fortnight.","start":2975.1902,"end":2981.85,"sentiment":"neutral","sentiment_score":0.10477293683932377}],"sentiment":"neutral","sentiment_score":0.08868563022803176,"num_words":66,"start":2956.04,"end":2981.85},{"sentences":[{"text":"So 1,866 per fortnight for the two of you as a combined, That's full age pension.","start":2982.07,"end":2988.415,"sentiment":"neutral","sentiment_score":0.12213224964216352},{"text":"And having a look at your assets both with the projected super balance and everything you've got noted, you are both essentially looking to be eligible for full age pension there, which is great.","start":2988.635,"end":2999.775,"sentiment":"neutral","sentiment_score":0.28069885557188706},{"text":"No.","start":3004.27,"end":3004.5898,"sentiment":"neutral","sentiment_score":-0.2001068890094757},{"text":"No.","start":3004.5898,"end":3004.91,"sentiment":"neutral","sentiment_score":-0.1831533908843994},{"text":"You actually get more.","start":3004.91,"end":3006.05,"sentiment":"neutral","sentiment_score":-0.10645277798175812}],"sentiment":"neutral","sentiment_score":0.19087153021246195,"num_words":56,"start":2982.07,"end":3006.05},{"sentences":[{"text":"So the age pension, I actually have the single for you.","start":3006.27,"end":3011.89,"sentiment":"neutral","sentiment_score":0.05947059020400047},{"text":"Get that.","start":3019.525,"end":3020.265,"sentiment":"neutral","sentiment_score":0.07281255722045898},{"text":"So for a single person, the full is $1,237.70 per fortnight.","start":3025.9248,"end":3031.8699,"sentiment":"neutral","sentiment_score":0.04857811365615238},{"text":"How much is he getting at the moment?","start":3037.5298,"end":3039.39,"sentiment":"neutral","sentiment_score":-0.003485823981463909},{"text":"Yeah.","start":3041.8499,"end":3042.3499,"sentiment":"neutral","sentiment_score":0.20709605515003204}],"sentiment":"neutral","sentiment_score":0.04585970667275516,"num_words":33,"start":3006.27,"end":3042.3499},{"sentences":[{"text":"Well, it'll get easier.","start":3044.025,"end":3045.645,"sentiment":"positive","sentiment_score":0.36945731192827225},{"text":"It'll get better.","start":3045.7048,"end":3046.6848,"sentiment":"positive","sentiment_score":0.4136371413866679},{"text":"You're so close.","start":3047.305,"end":3048.285,"sentiment":"neutral","sentiment_score":0.1689174771308899},{"text":"Yeah.","start":3050.4248,"end":3050.825,"sentiment":"neutral","sentiment_score":0.024391165003180504},{"text":"But, no, honestly, look, having a look at everything, I did go back and we had a look at the the availability there.","start":3050.825,"end":3056.105,"sentiment":"neutral","sentiment_score":0.01116296648979187}],"sentiment":"neutral","sentiment_score":0.10313624992747517,"num_words":34,"start":3044.025,"end":3056.105},{"sentences":[{"text":"You're both going to...","start":3056.105,"end":3057.56,"sentiment":"neutral","sentiment_score":0.010571467923000455},{"text":"You...","start":3057.56,"end":3057.8801,"sentiment":"neutral","sentiment_score":0.0007815565913915634},{"text":"With what we can see and project out, we'll be under the threshold there.","start":3057.8801,"end":3061.8801,"sentiment":"neutral","sentiment_score":0.09905628859996796},{"text":"So eligible for full age pension, which essentially gives you that 1,866 per fortnight.","start":3061.8801,"end":3067.66,"sentiment":"neutral","sentiment_score":0.1796246756400381},{"text":"Now the other thing that we wanted to look at was how to supplement that because you talked about how, realistically, you need about $1,000 a week to live, so $2,000 per fortnight.","start":3068.44,"end":3077.905,"sentiment":"neutral","sentiment_score":0.12899442965334112}],"sentiment":"neutral","sentiment_score":0.12426389554854143,"num_words":66,"start":3056.105,"end":3077.905},{"sentences":[{"text":"So what we've also made a recommendation on for both of you is that as of you retiring and turning 67, Robin, we will move both of you into pension phase.","start":3078.605,"end":3092.5198,"sentiment":"neutral","sentiment_score":0.28783762983737454},{"text":"Moving you both into pension phase within the hub 24, we'll keep you in that estimate, and we'll review this prior to because, you know, prior to you actually retiring in November next year or earlier than that, the Centrelink age pension is also gonna be reviewed twice.","start":3094.3398,"end":3110.395,"sentiment":"neutral","sentiment_score":0.23921792255714536},{"text":"So it may go up in value, which means you may not have to draw anything out of your super, which means we can change the strategy.","start":3110.395,"end":3116.4949,"sentiment":"neutral","sentiment_score":0.3220442301697201},{"text":"But right now, looking at where we're projecting out, with the current age pension eligibility, we need to draw a little bit out of your super to supplement the age pension side of things.","start":3117.03,"end":3127.61,"sentiment":"neutral","sentiment_score":0.10317854758571177},{"text":"Based on your two current balances, you are both gonna have to draw the minimum pension payment.","start":3128.6301,"end":3133.735,"sentiment":"neutral","sentiment_score":0.004043036962256712}],"sentiment":"neutral","sentiment_score":0.20813645393985092,"num_words":157,"start":3078.605,"end":3133.735},{"sentences":[{"text":"Essentially, with the eighteen eighteen sixty six on a fortnightly basis, you only really need to draw essentially a bit over...","start":3134.195,"end":3143.175,"sentiment":"neutral","sentiment_score":0.04123979239236741},{"text":"Bit under $200 to kind of, you know, cover you.","start":3143.235,"end":3146.935,"sentiment":"neutral","sentiment_score":0.0018928546458482742},{"text":"But withdrawing the the minimum...","start":3147.77,"end":3150.83,"sentiment":"neutral","sentiment_score":-0.032522885501384734},{"text":"Withdraw the minimum pension payment out from your super on a yearly basis.","start":3151.13,"end":3155.95,"sentiment":"neutral","sentiment_score":0.011506309302953573},{"text":"Essentially, Robin, for yourself, it will actually only be $275.04 per fortnight or 7,000 for the year.","start":3156.65,"end":3165.965,"sentiment":"neutral","sentiment_score":0.1308472454547882}],"sentiment":"neutral","sentiment_score":0.04691416595244047,"num_words":66,"start":3134.195,"end":3165.965},{"sentences":[{"text":"Okay?","start":3166.425,"end":3166.925,"sentiment":"neutral","sentiment_score":0.0451197512447834},{"text":"Oh, that's okay.","start":3170.2651,"end":3171.145,"sentiment":"neutral","sentiment_score":0.0009047513206799825},{"text":"You're right.","start":3171.145,"end":3171.7852,"sentiment":"neutral","sentiment_score":0.08928990364074707},{"text":"I'm just scrolling back.","start":3171.7852,"end":3173.21,"sentiment":"neutral","sentiment_score":-0.0576950004324317},{"text":"Sorry.","start":3173.27,"end":3173.75,"sentiment":"neutral","sentiment_score":-0.1410146802663803}],"sentiment":"neutral","sentiment_score":-0.013216442682526329,"num_words":11,"start":3166.425,"end":3173.75},{"sentences":[{"text":"My computer's having a bit of a moment.","start":3173.75,"end":3175.69,"sentiment":"neutral","sentiment_score":-0.17196866124868393},{"text":"I had to keep...","start":3175.91,"end":3177.45,"sentiment":"neutral","sentiment_score":-0.05639746878296137},{"text":"It's on page 46.","start":3178.15,"end":3180.17,"sentiment":"neutral","sentiment_score":-0.010363279841840267},{"text":"Yeah.","start":3183.27,"end":3183.77,"sentiment":"neutral","sentiment_score":0.06617850065231323},{"text":"And you'll see a little table there.","start":3184.335,"end":3186.355,"sentiment":"neutral","sentiment_score":0.04545705446175167}],"sentiment":"neutral","sentiment_score":-0.05243393344183763,"num_words":24,"start":3173.75,"end":3186.355},{"sentences":[{"text":"So, essentially, you've both wanted to between you'd be able to have that 2,000 per fortnight, which gives you $52,000 a year for living by drawing out the minimum.","start":3186.655,"end":3197.2349,"sentiment":"neutral","sentiment_score":0.12051345973179259},{"text":"And as at your age, 67, you...","start":3197.295,"end":3199.775,"sentiment":"neutral","sentiment_score":0.008896000882876771},{"text":"At the moment, it's a 5% minimum that you have to draw out of your account based pension within Super.","start":3199.775,"end":3205.28,"sentiment":"neutral","sentiment_score":0.012607377115637064},{"text":"So it means that based on the projected balance, you'll have to draw $7,151.04 per year.","start":3205.82,"end":3212.88,"sentiment":"neutral","sentiment_score":0.02418147004209459},{"text":"That equates to a regular fortnightly drawdown of $275.04.","start":3213.055,"end":3218.915,"sentiment":"neutral","sentiment_score":0.02558235606799523}],"sentiment":"neutral","sentiment_score":0.054647587728399186,"num_words":81,"start":3186.655,"end":3218.915},{"sentences":[{"text":"That plus your age pension entitlement of 933 is expected to give you $1,208.04 per fortnight just for yourself there.","start":3219.375,"end":3231.0598,"sentiment":"neutral","sentiment_score":0.07125910148024558},{"text":"Okay?","start":3231.0598,"end":3231.5598,"sentiment":"neutral","sentiment_score":0.05065096169710159},{"text":"Frank, your ascent drawdown is a little bit lower.","start":3234.18,"end":3238.04,"sentiment":"neutral","sentiment_score":-0.15528214557303321},{"text":"I'm just scrolling down.","start":3239.22,"end":3240.8398,"sentiment":"neutral","sentiment_score":-0.029232092201709747},{"text":"If you can go to page number 55 for me, this has got your little table showing your expected drawdown.","start":3240.98,"end":3247.705,"sentiment":"neutral","sentiment_score":0.012685439083725214}],"sentiment":"neutral","sentiment_score":0.003982853592821845,"num_words":54,"start":3219.375,"end":3247.705},{"sentences":[{"text":"Beautiful.","start":3252.325,"end":3252.825,"sentiment":"positive","sentiment_score":0.6721541881561279},{"text":"Beautiful.","start":3253.285,"end":3253.785,"sentiment":"positive","sentiment_score":0.6637106537818909},{"text":"So with this one here, based on your projected balance, as at the time that Robin's retiring, rather about the age 67 mark, we're looking at drawing down again.","start":3254.72,"end":3265.44,"sentiment":"neutral","sentiment_score":0.12336298682052514},{"text":"It's 5% minimum based on your age, and it's essentially a $170 per fortnight for yourself or based on your balance, 4,421 for the year.","start":3265.44,"end":3275.655,"sentiment":"neutral","sentiment_score":0.12357851207256317},{"text":"Again, adding that to your age pension entitlement of $933 per fortnight essentially gives you $1,103.07.","start":3275.795,"end":3285.64,"sentiment":"neutral","sentiment_score":0.1472405199892819}],"sentiment":"neutral","sentiment_score":0.14387086918577552,"num_words":72,"start":3252.325,"end":3285.64},{"sentences":[{"text":"All up, this is essentially giving you both an income for the year between Centrelink and a...","start":3286.42,"end":3292.42,"sentiment":"neutral","sentiment_score":0.17265771504710703},{"text":"And your account based pension of $60,088.79.","start":3292.42,"end":3298.145,"sentiment":"neutral","sentiment_score":0.07620789323534284},{"text":"So it's a little over $8,000 above your required income of $52,000 a year.","start":3301.005,"end":3308.305,"sentiment":"neutral","sentiment_score":0.3049063416463988},{"text":"I do like that because it gives you a buffer.","start":3308.84,"end":3311.82,"sentiment":"positive","sentiment_score":0.6376873612403869},{"text":"We know living expenses increase.","start":3311.8801,"end":3313.82,"sentiment":"neutral","sentiment_score":0.26829610764980316}],"sentiment":"neutral","sentiment_score":0.2916165913613337,"num_words":53,"start":3286.42,"end":3313.82},{"sentences":[{"text":"We might wanna take holidays.","start":3313.8801,"end":3315.26,"sentiment":"neutral","sentiment_score":0.27424064576625823},{"text":"You can put that extra little bit of money away, you know, take a trip or whatever you need to do.","start":3315.32,"end":3320.535,"sentiment":"positive","sentiment_score":0.367715196950095},{"text":"But it does give you a little bit of that $8,000 extra per year just as a bit of a buffer there and allows you to have a little bit of extra.","start":3320.615,"end":3329.835,"sentiment":"positive","sentiment_score":0.42827562615275383},{"text":"I do like the idea of drawing smaller amounts out on a fortnightly basis rather than lump sums over the course of the year as well because your income and capital growth can can help with the drawdown.","start":3330.615,"end":3342.0198,"sentiment":"positive","sentiment_score":0.5514053867051476},{"text":"So taking smaller amounts out on a regular basis, a, replenishes your income to what you need, but also has less than...","start":3342.0798,"end":3350.2952,"sentiment":"positive","sentiment_score":0.3468336361375722}],"sentiment":"positive","sentiment_score":0.43543887365672546,"num_words":118,"start":3313.8801,"end":3350.2952},{"sentences":[{"text":"Can have less of an effect on your super rather than a big lump sum, essentially, if that makes sense.","start":3350.2952,"end":3355.3552,"sentiment":"neutral","sentiment_score":0.11058281511068344},{"text":"Yeah.","start":3357.0952,"end":3357.5952,"sentiment":"neutral","sentiment_score":0.23325535655021667},{"text":"So when I sort of work this out per fortnight, so that $60,088.79, it actually equates to giving you both a combined income of $2,311 per fortnight.","start":3357.8152,"end":3371.7998,"sentiment":"positive","sentiment_score":0.37513935897085404},{"text":"So just over that $2,000 mark, giving you a little bit of an income buffer.","start":3371.8599,"end":3376.775,"sentiment":"positive","sentiment_score":0.37453297674655917},{"text":"Okay?","start":3376.915,"end":3377.415,"sentiment":"neutral","sentiment_score":0.12255309522151948}],"sentiment":"neutral","sentiment_score":0.2861597202718258,"num_words":64,"start":3350.2952,"end":3377.415},{"sentences":[{"text":"Beautiful.","start":3379.315,"end":3379.815,"sentiment":"positive","sentiment_score":0.5831817388534546},{"text":"Now the other reason I am recommending that at that time we move you both into pension phase is that pension phase, whilst you are required to draw down a minimum income payment, which at the moment is needed to boost your income for your required expenditure, it's also a tax free environment.","start":3380.195,"end":3398.47,"sentiment":"neutral","sentiment_score":0.257234199710612},{"text":"So at the moment, your supers are in the accumulation phase.","start":3398.77,"end":3402.21,"sentiment":"neutral","sentiment_score":0.26591992378234863},{"text":"It's where we're accumulating wealth.","start":3402.21,"end":3404.15,"sentiment":"neutral","sentiment_score":0.2370273143053055},{"text":"That phase of super is taxable.","start":3404.675,"end":3406.935,"sentiment":"neutral","sentiment_score":0.2694062093893687}],"sentiment":"neutral","sentiment_score":0.26241167517084824,"num_words":76,"start":3379.315,"end":3406.935},{"sentences":[{"text":"So your super fund pays capital gains tax.","start":3407.395,"end":3410.035,"sentiment":"neutral","sentiment_score":0.30855368077754974},{"text":"It also pays income tax.","start":3410.035,"end":3411.975,"sentiment":"neutral","sentiment_score":0.22190099954605103},{"text":"When we move into that pension phase completely and you're fully retired, that phase is completely tax free for your super fund.","start":3412.435,"end":3420.53,"sentiment":"positive","sentiment_score":0.4124500101262873},{"text":"Your super fund no longer pays income tax or capital gains tax on changes within your investments there.","start":3420.53,"end":3426.71,"sentiment":"positive","sentiment_score":0.4195152372121811},{"text":"So that is a positive thing as well, tax free environment.","start":3426.77,"end":3430.31,"sentiment":"positive","sentiment_score":0.7151314453645186}],"sentiment":"positive","sentiment_score":0.4385867943055928,"num_words":64,"start":3407.395,"end":3430.31},{"sentences":[{"text":"Yeah.","start":3433.325,"end":3433.7249,"sentiment":"neutral","sentiment_score":0.0934036523103714},{"text":"Do you...","start":3433.7249,"end":3434.285,"sentiment":"neutral","sentiment_score":0.04153390973806381},{"text":"Either of you have any questions?","start":3434.285,"end":3435.645,"sentiment":"neutral","sentiment_score":0.01900474090750019},{"text":"I know this can be a lot.","start":3435.645,"end":3436.9248,"sentiment":"neutral","sentiment_score":0.015008513682654925},{"text":"You're welcome to let me know.","start":3436.9248,"end":3438.545,"sentiment":"neutral","sentiment_score":0.12887652963399887}],"sentiment":"neutral","sentiment_score":0.05312812230973081,"num_words":22,"start":3433.325,"end":3438.545},{"sentences":[{"text":"No.","start":3451.34,"end":3451.58,"sentiment":"neutral","sentiment_score":-0.13109515607357025},{"text":"So, realistically, Frank can move now.","start":3451.58,"end":3454.8,"sentiment":"neutral","sentiment_score":-0.11049902997910976},{"text":"We did talk about that last time, and he kinda wanted to not because once he moves into that pension phase, you have to draw down a minimum every year.","start":3455.1,"end":3463.525,"sentiment":"neutral","sentiment_score":-0.17793193012475966},{"text":"So they they force you to take money out.","start":3464.065,"end":3466.4849,"sentiment":"negative","sentiment_score":-0.3769850300418006},{"text":"We talked about that last time, and Frank decided he wanted to hold off until you were ready to retire and move into that pension phase then.","start":3467.185,"end":3475.525,"sentiment":"neutral","sentiment_score":-0.15461074698854377}],"sentiment":"neutral","sentiment_score":-0.18766305039394393,"num_words":73,"start":3451.34,"end":3475.525},{"sentences":[{"text":"If he changes his mind and wants too early, you absolutely can.","start":3476.21,"end":3479.73,"sentiment":"neutral","sentiment_score":0.15058170134822527},{"text":"It's just that, yeah, you do have to draw down a minimum...","start":3479.73,"end":3482.47,"sentiment":"neutral","sentiment_score":0.03172435432982942},{"text":"A balance from your super every year to meet that pension requirement.","start":3482.8499,"end":3486.5498,"sentiment":"neutral","sentiment_score":0.0566833425934116},{"text":"So if you don't need to do it yet, keeping it as it is is preferable, and then we move into pension phase.","start":3487.41,"end":3493.615,"sentiment":"neutral","sentiment_score":0.08198555251178534},{"text":"Yeah.","start":3493.615,"end":3493.855,"sentiment":"neutral","sentiment_score":0.12229824811220168}],"sentiment":"neutral","sentiment_score":0.08126397891901434,"num_words":60,"start":3476.21,"end":3493.855},{"sentences":[{"text":"Keep it growing as much as possible, and then we move into pension phase next year.","start":3493.855,"end":3498.6748,"sentiment":"neutral","sentiment_score":0.12708826828747988},{"text":"Yeah.","start":3499.055,"end":3499.555,"sentiment":"neutral","sentiment_score":0.08470940589904785},{"text":"Yeah.","start":3500.4949,"end":3500.9949,"sentiment":"neutral","sentiment_score":0.12764455378055573},{"text":"Beautiful.","start":3501.2148,"end":3501.7148,"sentiment":"positive","sentiment_score":0.38903242349624634},{"text":"Yeah.","start":3502.655,"end":3503.155,"sentiment":"neutral","sentiment_score":0.11538030952215196}],"sentiment":"neutral","sentiment_score":0.137508949264884,"num_words":20,"start":3493.855,"end":3503.155},{"sentences":[{"text":"And, look...","start":3503.375,"end":3504.7,"sentiment":"neutral","sentiment_score":0.054773787036538124},{"text":"Oh, good.","start":3505.16,"end":3505.5598,"sentiment":"neutral","sentiment_score":0.13584110140800476},{"text":"And, Robin, look, you don't have to be 67.","start":3505.5598,"end":3508.1199,"sentiment":"neutral","sentiment_score":0.006853908714320924},{"text":"We've sort of made mention '67 is when you were, you know, wanting to retire.","start":3508.1199,"end":3511.96,"sentiment":"neutral","sentiment_score":0.029812247181932133},{"text":"But as I said, we'll do a review with you next year prior to that.","start":3511.96,"end":3515.3398,"sentiment":"neutral","sentiment_score":0.04418091600139936}],"sentiment":"neutral","sentiment_score":0.036111916350417356,"num_words":43,"start":3503.375,"end":3515.3398},{"sentences":[{"text":"If anything changes, if you wanna retire beforehand, that's absolutely fine.","start":3515.64,"end":3519.8198,"sentiment":"neutral","sentiment_score":0.07664199444380673},{"text":"We'll just revisit the numbers.","start":3520.015,"end":3521.635,"sentiment":"neutral","sentiment_score":0.04446464776992798},{"text":"We'll just revisit the numbers, look at what the Centrelink drawdown looks like, and look at what you need to live on and how you draw your pension payments out.","start":3522.415,"end":3529.935,"sentiment":"neutral","sentiment_score":0.03957052659243345},{"text":"So we might just update this strategy next year as well, and that's absolutely fine.","start":3529.935,"end":3533.7102,"sentiment":"neutral","sentiment_score":-0.02176655593017737},{"text":"But this is giving you an idea of what that looks like.","start":3533.7102,"end":3536.6702,"sentiment":"neutral","sentiment_score":0.005251130710045497}],"sentiment":"neutral","sentiment_score":0.027246797329758946,"num_words":73,"start":3515.64,"end":3536.6702},{"sentences":[{"text":"Okay?","start":3536.6702,"end":3537.1702,"sentiment":"neutral","sentiment_score":0.03222902864217758},{"text":"Yeah.","start":3539.07,"end":3539.57,"sentiment":"neutral","sentiment_score":0.1796247959136963},{"text":"Beautiful.","start":3539.79,"end":3540.29,"sentiment":"positive","sentiment_score":0.4666740298271179},{"text":"It's giving you a bit of clarity around those income draw downs, showing you that you can draw a little bit out of your super, keep the most of it invested, and being eligible for full age pension to supplement that will give you the income you need, and you're not drawing much out of super on a yearly basis.","start":3540.4302,"end":3556.855,"sentiment":"neutral","sentiment_score":0.29471969107786816},{"text":"So it'll still be invested working, growing, building, and paying down some income payments for you as well.","start":3556.855,"end":3564.72,"sentiment":"neutral","sentiment_score":0.22466155389944711}],"sentiment":"neutral","sentiment_score":0.2766125591264831,"num_words":81,"start":3536.6702,"end":3564.72},{"sentences":[{"text":"How does that sound?","start":3565.18,"end":3566.16,"sentiment":"neutral","sentiment_score":0.09510518051683903},{"text":"Yeah.","start":3566.38,"end":3566.7,"sentiment":"neutral","sentiment_score":0.08323128521442413},{"text":"Yeah.","start":3566.7,"end":3567.2,"sentiment":"neutral","sentiment_score":0.17665837705135343},{"text":"Beautiful.","start":3567.8198,"end":3568.3198,"sentiment":"positive","sentiment_score":0.45052453875541687},{"text":"How does that look?","start":3568.94,"end":3569.74,"sentiment":"neutral","sentiment_score":0.28588147833943367}],"sentiment":"neutral","sentiment_score":0.20312371240420776,"num_words":11,"start":3565.18,"end":3569.74},{"sentences":[{"text":"How's that kinda giving you a bit of clarity for the moment?","start":3569.74,"end":3572.22,"sentiment":"neutral","sentiment_score":0.21599439283212027},{"text":"Do you have any questions in relation to any of that so far?","start":3572.22,"end":3575.1199,"sentiment":"neutral","sentiment_score":0.08246401353524281},{"text":"No.","start":3576.915,"end":3577.415,"sentiment":"neutral","sentiment_score":0.08904889225959778},{"text":"Beautiful.","start":3577.7952,"end":3578.2952,"sentiment":"neutral","sentiment_score":0.2799478769302368},{"text":"The last thing I just wanted to show you, Bryce, was on page number 59.","start":3578.835,"end":3583.575,"sentiment":"neutral","sentiment_score":0.10238904307285944}],"sentiment":"neutral","sentiment_score":0.13259041202919825,"num_words":42,"start":3569.74,"end":3583.575},{"sentences":[{"text":"This is the beneficiary nomination for when you do move into that pension phase.","start":3583.715,"end":3588.375,"sentiment":"neutral","sentiment_score":0.12451117538980075},{"text":"Beautiful.","start":3593.49,"end":3593.99,"sentiment":"neutral","sentiment_score":0.16293707489967346},{"text":"Now at the moment, you both have beneficiary nominations on file, and they're absolutely perfect the way they are.","start":3594.45,"end":3600.79,"sentiment":"positive","sentiment_score":0.4882578614510988},{"text":"However, when you move into that pension phase, it's good to update the beneficiary.","start":3601.065,"end":3605.325,"sentiment":"neutral","sentiment_score":0.3191968309027808},{"text":"What I'm recommending is that when you both move into that account based pension phase, we update your beneficiary nomination to be a reversionary beneficiary.","start":3606.425,"end":3615.005,"sentiment":"neutral","sentiment_score":0.217720667719841}],"sentiment":"neutral","sentiment_score":0.28896938662414684,"num_words":73,"start":3583.715,"end":3615.005},{"sentences":[{"text":"These are a really cool kind of beneficiary nomination.","start":3616.2,"end":3619.82,"sentiment":"positive","sentiment_score":0.7791293263435364},{"text":"Essentially, a reversionary beneficiary is only available in the pension phase.","start":3620.3599,"end":3625.42,"sentiment":"neutral","sentiment_score":0.18523176149888473},{"text":"And what that essentially does is if one of you were to then pass away, with the income drawdowns coming out of the account based pension, on the...","start":3625.64,"end":3635.9348,"sentiment":"neutral","sentiment_score":0.04728411422443709},{"text":"Under a normal binding nomination, those pension payments stop, and the other staff has to claim the death benefit to be able to continue receiving money from that super fund.","start":3635.9348,"end":3648.71,"sentiment":"neutral","sentiment_score":0.0034025395289063454},{"text":"With a reversionary beneficiary, if Frank or Robin, if either of you were to pass away and you're receiving that regular income payment out of your super fund, that would continue without question.","start":3649.17,"end":3662.685,"sentiment":"neutral","sentiment_score":0.20481972102866028}],"sentiment":"neutral","sentiment_score":0.15526842785294395,"num_words":111,"start":3616.2,"end":3662.685},{"sentences":[{"text":"It would continue to your spouse.","start":3662.685,"end":3664.625,"sentiment":"neutral","sentiment_score":0.2877429525057475},{"text":"It essentially allows the income payments to continue being paid to the other member once the member has passed away without ceasing.","start":3664.925,"end":3673.265,"sentiment":"neutral","sentiment_score":0.2237185358323834},{"text":"One of the biggest things I have found in the past is that when one member passes away, your expenditure can get a little bit more.","start":3673.8098,"end":3680.95,"sentiment":"neutral","sentiment_score":-0.07195944854846367},{"text":"People come to town.","start":3681.01,"end":3681.97,"sentiment":"neutral","sentiment_score":-0.06887460872530937},{"text":"There's funeral expenses.","start":3681.97,"end":3683.3499,"sentiment":"neutral","sentiment_score":-0.09927434474229813}],"sentiment":"neutral","sentiment_score":0.06891800609768414,"num_words":61,"start":3662.685,"end":3683.3499},{"sentences":[{"text":"There's time that you need to, you know, cover up bills and funerals and things like that.","start":3683.41,"end":3688.855,"sentiment":"neutral","sentiment_score":-0.06711658473838777},{"text":"People coming into town, you might be spending more on food.","start":3688.855,"end":3691.835,"sentiment":"neutral","sentiment_score":-0.05495713752779094},{"text":"You might have to travel somewhere else.","start":3692.055,"end":3694.2349,"sentiment":"neutral","sentiment_score":-0.09261278648461614},{"text":"So those sorts of expenses tend to come out of the blue.","start":3694.295,"end":3697.035,"sentiment":"neutral","sentiment_score":-0.045030203027029835},{"text":"But what doesn't stop is your regular food bills, your electricity bills, your car payments, your rates, your things like that, insurance costs.","start":3697.335,"end":3705.48,"sentiment":"neutral","sentiment_score":0.04185451048871745}],"sentiment":"neutral","sentiment_score":-0.028164409340492316,"num_words":70,"start":3683.41,"end":3705.48},{"sentences":[{"text":"Things like those don't actually stop.","start":3705.78,"end":3707.86,"sentiment":"neutral","sentiment_score":0.05668461322784424},{"text":"They continue.","start":3707.86,"end":3708.6,"sentiment":"neutral","sentiment_score":0.14236647635698318},{"text":"So this reversionary beneficiary allows each of you to still receive the regular income drawdown from your spouse's super if they were to pass away without stopping.","start":3709.3,"end":3719.8352,"sentiment":"neutral","sentiment_score":0.28550313854659043},{"text":"So it allows your expenditure to remain exactly as it is throughout that time.","start":3719.8352,"end":3724.495,"sentiment":"positive","sentiment_score":0.4386687236172812},{"text":"You can also drawdown extra money when need be, which is absolutely fine, but this just continues those draw downs for you on a regular basis.","start":3724.955,"end":3733.1702,"sentiment":"neutral","sentiment_score":0.32356652732078844}],"sentiment":"neutral","sentiment_score":0.3051668961842855,"num_words":75,"start":3705.78,"end":3733.1702},{"sentences":[{"text":"So it keeps your pension payment paid down continually without stopping so that you can continue to pay for your regular expenses at that time.","start":3733.1702,"end":3741.49,"sentiment":"positive","sentiment_score":0.37214195728302},{"text":"Does that make sense?","start":3741.49,"end":3742.55,"sentiment":"neutral","sentiment_score":0.05348873697221279},{"text":"Yeah.","start":3744.37,"end":3744.87,"sentiment":"neutral","sentiment_score":0.21004316210746765},{"text":"That's just one of the things I do like about that reversionary beneficiary there.","start":3745.375,"end":3749.3152,"sentiment":"neutral","sentiment_score":0.2639618920428412},{"text":"Underneath that box, you will sort of see we have the best interest duty noted there.","start":3749.695,"end":3753.935,"sentiment":"neutral","sentiment_score":0.10775409219786525}],"sentiment":"neutral","sentiment_score":0.2524513167639573,"num_words":60,"start":3733.1702,"end":3753.935},{"sentences":[{"text":"In all of these recommendations, we've outlined the best interest Judy.","start":3753.935,"end":3757.47,"sentiment":"neutral","sentiment_score":0.12517389180985364},{"text":"It links back why we've made the recommendation and how that works for you.","start":3757.47,"end":3761.73,"sentiment":"neutral","sentiment_score":0.2149673764194761},{"text":"We've also got in there advantages, disadvantages, and risks involved of all the different strategies that you're welcome to sort of walk through and have a bit of a look at.","start":3762.35,"end":3771.255,"sentiment":"neutral","sentiment_score":0.10725534947649125},{"text":"I will just get those two tables updated for you with the balance just so that can be reflect...","start":3771.7349,"end":3779.115,"sentiment":"neutral","sentiment_score":0.06940859458164166},{"text":"Reflected correctly, and I'll have this document resent out to you for signing later on.","start":3779.4148,"end":3784.055,"sentiment":"neutral","sentiment_score":0.14091846197843552}],"sentiment":"neutral","sentiment_score":0.1238212460031112,"num_words":90,"start":3753.935,"end":3784.055},{"sentences":[{"text":"Is that okay?","start":3784.055,"end":3784.9548,"sentiment":"neutral","sentiment_score":0.12563773492972055},{"text":"Beautiful.","start":3787.65,"end":3788.15,"sentiment":"positive","sentiment_score":0.5248184204101562},{"text":"Do either of you have any questions at the moment at all?","start":3788.29,"end":3791.67,"sentiment":"neutral","sentiment_score":0.1551962662488222},{"text":"No?","start":3793.73,"end":3794.23,"sentiment":"neutral","sentiment_score":-0.05295586213469505},{"text":"Oh oh, good.","start":3794.45,"end":3795.91,"sentiment":"neutral","sentiment_score":0.22730104128519693}],"sentiment":"neutral","sentiment_score":0.169651704095304,"num_words":20,"start":3784.055,"end":3795.91},{"sentences":[{"text":"Essentially, how implementation will go is nice and easy.","start":3796.37,"end":3800.15,"sentiment":"positive","sentiment_score":0.4363289972146352},{"text":"Once you're happy with the recommendations, we'll get you both to sign the document.","start":3800.3152,"end":3804.0752,"sentiment":"neutral","sentiment_score":0.18046498937266214},{"text":"You'll send...","start":3804.0752,"end":3804.5552,"sentiment":"neutral","sentiment_score":0.03780183009803295},{"text":"It'll come back to us automatically.","start":3804.5552,"end":3806.175,"sentiment":"neutral","sentiment_score":0.12699129432439804},{"text":"All we need to do now is the investments which within your so far so that we can, you know, change the the the menu in the back end and the investments that you're invested in.","start":3806.715,"end":3817.5898,"sentiment":"neutral","sentiment_score":0.0890982470785578}],"sentiment":"neutral","sentiment_score":0.15669491264357496,"num_words":67,"start":3796.37,"end":3817.5898},{"sentences":[{"text":"That's all that changes at the moment, and then we'll come back and review that.","start":3817.81,"end":3821.99,"sentiment":"neutral","sentiment_score":0.08346615433692932},{"text":"And then we'll do your normal annual review next year.","start":3822.29,"end":3825.0898,"sentiment":"neutral","sentiment_score":0.05120130442082882},{"text":"We'll have a look at the...","start":3825.0898,"end":3826.29,"sentiment":"neutral","sentiment_score":0.010573722111682097},{"text":"Either updated pension payments, what this...","start":3826.29,"end":3828.69,"sentiment":"neutral","sentiment_score":-0.01698771646867196},{"text":"What Centrelink may have changed to, what your income drawdowns look like, and making sure that you're still on track to retire.","start":3828.69,"end":3835.905,"sentiment":"neutral","sentiment_score":0.010422882306474176}],"sentiment":"neutral","sentiment_score":0.0331326237942834,"num_words":59,"start":3817.81,"end":3835.905},{"sentences":[{"text":"And then we can update this if we need to.","start":3836.685,"end":3839.165,"sentiment":"neutral","sentiment_score":0.02326020076870918},{"text":"Worst case, if it's just a change in numbers, it could just be a simple record of advice, which would be nice and easy to update for you.","start":3839.165,"end":3845.58,"sentiment":"neutral","sentiment_score":0.008354852774313517},{"text":"But we'll review that section of it next year for you both.","start":3845.6602,"end":3848.72,"sentiment":"neutral","sentiment_score":0.11357667359213035},{"text":"And if you find you wanna retire earlier, then we get to touch base on you.","start":3848.9402,"end":3852.86,"sentiment":"neutral","sentiment_score":0.14493090705946088},{"text":"Just let me know, and I will come back and readjust everything for you.","start":3852.86,"end":3856.3,"sentiment":"neutral","sentiment_score":0.1751381488783019}],"sentiment":"neutral","sentiment_score":0.08250358207151294,"num_words":80,"start":3836.685,"end":3856.3},{"sentences":[{"text":"Is that okay?","start":3856.3,"end":3857.2002,"sentiment":"neutral","sentiment_score":0.13402187824249268},{"text":"Yep.","start":3858.62,"end":3858.945,"sentiment":"positive","sentiment_score":0.4051514565944672},{"text":"Beautiful.","start":3859.825,"end":3860.325,"sentiment":"positive","sentiment_score":0.8043994307518005},{"text":"Lovely.","start":3860.625,"end":3861.125,"sentiment":"positive","sentiment_score":0.7447351813316345},{"text":"That is basically the entire document.","start":3861.585,"end":3863.745,"sentiment":"neutral","sentiment_score":0.32677270472049713}],"sentiment":"positive","sentiment_score":0.3597489943106969,"num_words":12,"start":3856.3,"end":3863.745},{"sentences":[{"text":"There's nothing else to kind of mention except that you are an an ongoing client, so you pay the ongoing service fee for your both.","start":3863.745,"end":3870.3052,"sentiment":"neutral","sentiment_score":0.14274890840053558},{"text":"It is 1.10% still this year.","start":3870.3052,"end":3873.205,"sentiment":"neutral","sentiment_score":0.2379242181777954},{"text":"There's no implementation fees for the advice.","start":3873.96,"end":3876.52,"sentiment":"neutral","sentiment_score":0.1615143609898431},{"text":"That's all part of what we do and part of the services we provide.","start":3876.52,"end":3879.58,"sentiment":"neutral","sentiment_score":0.2652781776019505},{"text":"And the last thing is just to thank you for the opportunity.","start":3880.36,"end":3882.7,"sentiment":"positive","sentiment_score":0.49877587457497913}],"sentiment":"neutral","sentiment_score":0.24728239886462688,"num_words":64,"start":3863.745,"end":3882.7},{"sentences":[{"text":"I've really enjoyed putting this together for you.","start":3882.84,"end":3885.32,"sentiment":"positive","sentiment_score":0.7975452616810799},{"text":"So thank you for allowing me the opportunity to help you out.","start":3885.32,"end":3891.765,"sentiment":"positive","sentiment_score":0.5457497993484139},{"text":"Not at all.","start":3891.9048,"end":3893.125,"sentiment":"neutral","sentiment_score":-0.06934828062852223},{"text":"I will let you both go...","start":3893.825,"end":3895.365,"sentiment":"neutral","sentiment_score":-0.10853106404344241},{"text":"Sorry.","start":3896.065,"end":3896.565,"sentiment":"neutral","sentiment_score":-0.0909683108329773}],"sentiment":"positive","sentiment_score":0.3993053382883469,"num_words":30,"start":3882.84,"end":3896.565},{"sentences":[{"text":"No.","start":3899.105,"end":3899.605,"sentiment":"neutral","sentiment_score":-0.10897545516490936},{"text":"Never.","start":3899.6648,"end":3900.1648,"sentiment":"neutral","sentiment_score":-0.09227557480335236},{"text":"I really enjoy this, honestly.","start":3900.385,"end":3902.005,"sentiment":"neutral","sentiment_score":0.14021965265274047},{"text":"Feel free to take it back and have a bit of a read through it.","start":3903.63,"end":3906.19,"sentiment":"neutral","sentiment_score":0.13602645695209503},{"text":"What I'll do is I'll just get that little bit updated for you, and we'll resend the document out to you to sign.","start":3906.19,"end":3912.05,"sentiment":"neutral","sentiment_score":0.11110234487315883}],"sentiment":"neutral","sentiment_score":0.11323551154798932,"num_words":45,"start":3899.105,"end":3912.05},{"sentences":[{"text":"And then once you're happy to sign it, we'll get it back.","start":3912.3499,"end":3915.015,"sentiment":"neutral","sentiment_score":0.10733264001707236},{"text":"Okay?","start":3915.015,"end":3915.515,"sentiment":"neutral","sentiment_score":0.05477719008922577},{"text":"Yeah.","start":3920.9348,"end":3921.4148,"sentiment":"neutral","sentiment_score":0.03500862419605255},{"text":"Yeah.","start":3921.4148,"end":3921.655,"sentiment":"neutral","sentiment_score":0.04103481024503708},{"text":"So you'll get two new email links in there.","start":3921.655,"end":3924.4548,"sentiment":"neutral","sentiment_score":0.05532801399628321}],"sentiment":"neutral","sentiment_score":0.0798651846125722,"num_words":24,"start":3912.3499,"end":3924.4548},{"sentences":[{"text":"Yeah.","start":3924.4548,"end":3924.9548,"sentiment":"neutral","sentiment_score":0.027953345328569412},{"text":"My pleasure.","start":3927.39,"end":3928.0298,"sentiment":"positive","sentiment_score":0.3712994456291199},{"text":"Thank you so much for your time.","start":3928.0298,"end":3929.23,"sentiment":"positive","sentiment_score":0.5998814361436027},{"text":"I hope you both have a lovely afternoon.","start":3929.23,"end":3931.17,"sentiment":"positive","sentiment_score":0.4930616617202759},{"text":"Thanks.","start":3933.39,"end":3933.8699,"sentiment":"neutral","sentiment_score":0.30206114053726196}],"sentiment":"positive","sentiment_score":0.4850671959942893,"num_words":19,"start":3924.4548,"end":3933.8699},{"sentences":[{"text":"See you later.","start":3933.8699,"end":3934.69,"sentiment":"neutral","sentiment_score":0.2249682495991389},{"text":"Bye.","start":3934.8298,"end":3935.3298,"sentiment":"neutral","sentiment_score":0.11433150619268416}],"sentiment":"neutral","sentiment_score":0.19730906374752522,"num_words":4,"start":3933.8699,"end":3935.3298}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thanks. You? Yeah. Right. Yeah. Good. Yeah. Good to me. What? Oh, lord. It's not. It is a bit when you don't get out of the house. Yep. Frank Edgar Wilkinson. Twenty seventh to the second '57. 361 Corduroy Creek Road, Scottsville, Queensland 480 4. Robin Dawn Wilkinson. 17 to 1160. 361 Corduroy Creek Road, Scotland, Queensland 4804. Yeah. I'll just get my laptop. Get more now? Yeah. I should get more? Get it. Didn't mean that. Let me laptop. Yep. Doing awesome. Use me laptop full of emails. I'm gonna hit the right one. Hit the right glasses. How was your holiday? Yeah. We did in February and March. Yeah. Right up lonely. Yeah. We we drove from here down through, you know, the never never broken Broken Hills. Broken Hill all the way. Had a couple of weeks in South Australia and then did the Great Ocean Road and then Ballarat and Canberra to see our niece and then come home. Yeah. It's a bit rushed, though, because we only had four weeks. So... Yes. Yeah. There's nothing like five or something. Yeah. Which... Because we were in South Australia, most of those things to see were in the first day because, you know, we started at Warrnambool and then... Because we spent the night in Warrnambool and then, yeah, all those London Bridge and all them are before the apostles. So Mhmm. Yeah. Well, we didn't go into Melbourne, but we only went as far as Lawn, I think, on the Great Ocean Road because we didn't want all that traffic. Yeah. I've got your email up. So go to sign document. Frank Wilkinson? It's up the top. He's signing. It says Frank Wilkinson is signing Robin Wilkinson waiting signature. No. When you go to sign document, it just goes to oakviewaustralia.od.com wants to say you click on allow. And it's got location is turning off in Mac system preferences. Is turned off. You wanna open settings? Yep. Yep. And then it goes to... Oh, no. Google Chrome, Siri, contacts, calendars, reminders, photos, accessibilities. Yep. Statement request twenty twenty six ten to the sixth. Statement of birth. So it says that you have requested our signature on the document sign request. And if you go down to sign document, that's the same thing coming up again. No. Yeah. No. Sorry. I'm in Frank's email. Yeah. Mhmm. Click the start. Oh, Frank can do his on his phone. Maybe it's sign below. That's fine. Right? So Frank's gonna sign his. Yep. Frank's on his phone. Someone... Maybe I can do mine later on my phone, or do I have to do it right away? Sorry? What was that? The site was still conducive. Me. Yep. So I'm request. Statement of advice. Yep. But there's only one page. Might be something wrong with my computer. We're looking... Well, I've already signed mine. Yeah. We'll look on Frank's fine. Maybe that'll work. Next stop. Yeah. That's what I was thinking. It'd be a bit bigger, but Yep. Mhmm. Yep. Could you hold a minute, please? Are you getting the pages up front? I'm trying... Yeah. Well, I was showing mine, but the document is up there. I'm trying to get it up. Okay? Well, I can get it up, but I just... Yeah. It's up now. He's gone. Let me Yeah. Well, that's ongoing services there. What page are we on? Sorry. Gotta go right back. Page number three. That's a table of contents. Yep. Skype of a a voice. Yeah. Jim. Yep. Oh, I'd love to finish work, but, yes, that's not happening. Sorry. Yeah. So it'll probably be probably be the end of September, early October next year because we're going to Tassie in October. Yes. Yep. Yep. Mhmm. Roughly the same. Yep. Yes, ma'am. Okay. Yep. Yep. Yep. Sorry. I put $20 a week into that. Hub 24. Would that number change? Yes. Yep. I don't really understand this investment in that. So I'll just go with whatever you recommend. Yep. Yep. No. It's okay. Just just a question looking at that chart. It's got... My balance is a 136, but I thought you said a 100 and 39 payable. $61.08. Yes. No. It's fine. Yes. Yep. Yep. We did have plans to have more money, but the mine didn't stay open and then didn't reemploy Frank. So and he was out of work for years. So... Yeah. Anyway, thank you. Yep. Yep. Okay. Just another question. I put $20 a week in, so the government's supposed to give me some, aren't they? Okay. Because my tax is done. It was done in August, I think. So... Yeah. So that's... Yes. I probably won't give it until May next year or something. Yep. Yeah. Yeah. That doesn't surprise me at all. Yep. Yep. Yep. No. Yeah. Yep. Yep. No. You're right. No. It's all good. Thank you. Alright. Yep. Today? Yep. Yes. Yeah. That's good. Yeah. Alright. Yep. That's for sure. Yep. No. It's not. I haven't enjoyed it. This is the email address. Yeah. Well, I'm I'm 70 in about four months' time. Well, he wasn't talking about that. He was just... Likes telling everyone he's nearly 70. Especially when you didn't make it. Yep. That's what I'm doing. Yep. Yep. Okay. Thanks. That's good. Yep. Mhmm. Yeah. Probably. But... I mean, if we can live on less, that would be better. But because the pension, What's the pension these days? Yep. Do you get less if you're a couple? You know how much Frank gets now because I work? That's 700. So what page is that on? Sorry. Yep. Yep. Yes. Yep. Yep. Okay. Yep. Yeah. Yep. That sounds good. No. So do we both have to be pension age before we get... We change over? Yep. Yep. Yep. Okay. I guess. Yeah. That's good. Yep. No. Yeah. Yep. Yep. Good. No. No. That's good. Yep. Yes. Yep. Yep. Sounds good. Thank you. No. No. No. It's all good. Yep. Sounds good. Thank you. Thank you. Must be a headache. Must be a headache. Okay. So will one go to my personal email and one go to Frank's? Or... Okay. Thank you. You too. 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Yeah. Good. Thanks. You?\n\nYeah. Right. Yeah. Good. Yeah.\n\nGood to me. What? Oh, lord. It's not. It is a bit when you don't get out of the house.\n\nYep. Frank Edgar Wilkinson. Twenty seventh to the second '57. 361 Corduroy Creek Road, Scottsville, Queensland 480 4. Robin Dawn Wilkinson.\n\n17 to 1160. 361 Corduroy Creek Road, Scotland, Queensland 4804. Yeah. I'll just get my laptop. Get more now?\n\nYeah. I should get more? Get it. Didn't mean that. Let me laptop.\n\nYep. Doing awesome. Use me laptop full of emails. I'm gonna hit the right one. Hit the right glasses.\n\nHow was your holiday? Yeah. We did in February and March. Yeah. Right up lonely.\n\nYeah. We we drove from here down through, you know, the never never broken Broken Hills. Broken Hill all the way. Had a couple of weeks in South Australia and then did the Great Ocean Road and then Ballarat and Canberra to see our niece and then come home. Yeah.\n\nIt's a bit rushed, though, because we only had four weeks. So... Yes. Yeah. There's nothing like five or something.\n\nYeah. Which... Because we were in South Australia, most of those things to see were in the first day because, you know, we started at Warrnambool and then... Because we spent the night in Warrnambool and then, yeah, all those London Bridge and all them are before the apostles. So Mhmm.\n\nYeah. Well, we didn't go into Melbourne, but we only went as far as Lawn, I think, on the Great Ocean Road because we didn't want all that traffic. Yeah. I've got your email up. So go to sign document.\n\nFrank Wilkinson? It's up the top. He's signing. It says Frank Wilkinson is signing Robin Wilkinson waiting signature. No.\n\nWhen you go to sign document, it just goes to oakviewaustralia.od.com wants to say you click on allow. And it's got location is turning off in Mac system preferences. Is turned off. You wanna open settings? Yep.\n\nYep. And then it goes to... Oh, no. Google Chrome, Siri, contacts, calendars, reminders, photos, accessibilities. Yep.\n\nStatement request twenty twenty six ten to the sixth. Statement of birth. So it says that you have requested our signature on the document sign request. And if you go down to sign document, that's the same thing coming up again. No.\n\nYeah. No. Sorry. I'm in Frank's email. Yeah.\n\nMhmm. Click the start. Oh, Frank can do his on his phone. Maybe it's sign below. That's fine.\n\nRight? So Frank's gonna sign his. Yep. Frank's on his phone. Someone...\n\nMaybe I can do mine later on my phone, or do I have to do it right away? Sorry? What was that? The site was still conducive. Me.\n\nYep. So I'm request. Statement of advice. Yep. But there's only one page.\n\nMight be something wrong with my computer. We're looking... Well, I've already signed mine. Yeah. We'll look on Frank's fine.\n\nMaybe that'll work. Next stop. Yeah. That's what I was thinking. It'd be a bit bigger, but Yep.\n\nMhmm. Yep. Could you hold a minute, please? Are you getting the pages up front? I'm trying...\n\nYeah. Well, I was showing mine, but the document is up there. I'm trying to get it up. Okay? Well, I can get it up, but I just...\n\nYeah. It's up now. He's gone. Let me Yeah. Well, that's ongoing services there.\n\nWhat page are we on? Sorry. Gotta go right back. Page number three. That's a table of contents.\n\nYep. Skype of a a voice. Yeah. Jim. Yep.\n\nOh, I'd love to finish work, but, yes, that's not happening. Sorry. Yeah. So it'll probably be probably be the end of September, early October next year because we're going to Tassie in October. Yes.\n\nYep. Yep. Mhmm. Roughly the same. Yep.\n\nYes, ma'am. Okay. Yep. Yep. Yep.\n\nSorry. I put $20 a week into that. Hub 24. Would that number change? Yes.\n\nYep. I don't really understand this investment in that. So I'll just go with whatever you recommend. Yep. Yep.\n\nNo. It's okay. Just just a question looking at that chart. It's got... My balance is a 136, but I thought you said a 100 and 39 payable.\n\n$61.08. Yes. No. It's fine. Yes.\n\nYep. Yep. We did have plans to have more money, but the mine didn't stay open and then didn't reemploy Frank. So and he was out of work for years. So...\n\nYeah. Anyway, thank you. Yep. Yep. Okay.\n\nJust another question. I put $20 a week in, so the government's supposed to give me some, aren't they? Okay. Because my tax is done. It was done in August, I think.\n\nSo... Yeah. So that's... Yes. I probably won't give it until May next year or something.\n\nYep. Yeah. Yeah. That doesn't surprise me at all. Yep.\n\nYep. Yep. No. Yeah. Yep.\n\nYep. No. You're right. No. It's all good.\n\nThank you. Alright. Yep. Today? Yep.\n\nYes. Yeah. That's good. Yeah. Alright.\n\nYep. That's for sure. Yep. No. It's not.\n\nI haven't enjoyed it. This is the email address. Yeah. Well, I'm I'm 70 in about four months' time. Well, he wasn't talking about that.\n\nHe was just... Likes telling everyone he's nearly 70. Especially when you didn't make it. Yep. That's what I'm doing.\n\nYep. Yep. Okay. Thanks. That's good.\n\nYep. Mhmm. Yeah. Probably. But...\n\nI mean, if we can live on less, that would be better. But because the pension, What's the pension these days? Yep. Do you get less if you're a couple? You know how much Frank gets now because I work?\n\nThat's 700. So what page is that on? Sorry. Yep. Yep.\n\nYes. Yep. Yep. Okay. Yep.\n\nYeah. Yep. That sounds good. No. So do we both have to be pension age before we get...\n\nWe change over? Yep. Yep. Yep. Okay.\n\nI guess. Yeah. That's good. Yep. No.\n\nYeah. Yep. Yep. Good. No.\n\nNo. That's good. Yep. Yes. Yep.\n\nYep. Sounds good. Thank you. No. No.\n\nNo. It's all good. Yep. Sounds good. Thank you.\n\nThank you. Must be a headache. Must be a headache. Okay. So will one go to my personal email and one go to Frank's?\n\nOr... Okay. Thank you. You too. 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the way.","start":174.62999,"end":176.09,"sentiment":"neutral","sentiment_score":0.05366276949644089},{"text":"Had a couple of weeks in South Australia and then did the Great Ocean Road and then Ballarat and Canberra to see our niece and then come home.","start":176.39,"end":187.53,"sentiment":"neutral","sentiment_score":0.1147675761686904},{"text":"Yeah.","start":187.935,"end":188.435,"sentiment":"neutral","sentiment_score":0.15102574229240415}],"sentiment":"neutral","sentiment_score":0.0841850147768855,"num_words":50,"start":163.16501,"end":188.435},{"sentences":[{"text":"It's a bit rushed, though, because we only had four 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Frank's?","start":3916.08,"end":3920.295,"sentiment":"neutral","sentiment_score":0.030943475663661957}],"sentiment":"neutral","sentiment_score":0.01082207215949893,"num_words":24,"start":3889.2102,"end":3920.295},{"sentences":[{"text":"Or...","start":3925.1748,"end":3925.4949,"sentiment":"neutral","sentiment_score":0.026773575693368912},{"text":"Okay.","start":3925.4949,"end":3925.9949,"sentiment":"neutral","sentiment_score":0.10191375017166138},{"text":"Thank you.","start":3926.055,"end":3926.875,"sentiment":"neutral","sentiment_score":0.28695476055145264},{"text":"You too.","start":3931.785,"end":3932.505,"sentiment":"neutral","sentiment_score":0.24591510742902756},{"text":"Thank you.","start":3932.505,"end":3933.3247,"sentiment":"neutral","sentiment_score":0.3170042484998703}],"sentiment":"neutral","sentiment_score":0.2285544448532164,"num_words":8,"start":3925.1748,"end":3933.3247}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Robin. It's Dana from Okie Financial. How are you this morning?\n\nChannel 1: Yeah. Good. Thanks. You?\n\nChannel 0: I'm very well. Thank you. Thank you for asking. I had yourself and Frank both booked in to go through your updated statement of advice. Is now still a good time for you both?\n\nChannel 1: Yeah. Right.\n\nChannel 0: Fantastic. Can you hear me okay? Perfect. How are you this morning, Frank? Good to hear your voice.\n\nChannel 1: Yeah. Good. Yeah. Good to me.\n\nChannel 0: Very good. How's your week been?\n\nChannel 1: What?\n\nChannel 0: Not necessarily a bad thing, though, is it?\n\nChannel 1: Oh, lord. It's not. It is a bit when you don't get out of the house.\n\nChannel 0: Yeah. Understandable. All good. Well, just before I 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: Yep.\n\nChannel 0: Fantastic. And just a little quick security check, I just need to confirm... You both to confirm your full name, your date of birth, and your address.\n\nChannel 1: Frank Edgar Wilkinson.\n\nChannel 0: Mhmm.\n\nChannel 1: Twenty seventh to the second\n\nChannel 0: Yep.\n\nChannel 1: '57. 361 Corduroy Creek Road, Scottsville, Queensland 480\n\nChannel 0: Yep.\n\nChannel 1: 4.\n\nChannel 0: Beautiful.\n\nChannel 1: Robin Dawn Wilkinson. 17 to\n\nChannel 0: Yep.\n\nChannel 1: 1160. 361 Corduroy Creek Road, Scotland, Queensland 4804.\n\nChannel 0: Beautiful. Thank you so much for that. Now I have just sent you both an email with the updated statement of advice there. Are you able to open up that email at all and review that with me? Even if one of you wanted, that's absolutely fine.\n\nChannel 1: Yeah. I'll just get my laptop.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Get more now? Yeah. I should get more? Get it. Didn't mean that.\n\nLet me laptop. Yep. Doing awesome. Use me laptop full of emails. I'm gonna hit the right one.\n\nHit the right glasses. How was your holiday?\n\nChannel 0: Yeah. It was really good. Went down to Victoria and saw the Great Ocean Road.\n\nChannel 1: Yeah. We did in February and March.\n\nChannel 0: It's beautiful, isn't it?\n\nChannel 1: Yeah. Right up lonely. Yeah. We\n\nChannel 0: Yeah.\n\nChannel 1: we drove from here down through, you know, the never never broken\n\nChannel 0: Yep.\n\nChannel 1: Broken Hills. Broken Hill all the way. Had\n\nChannel 0: Yep.\n\nChannel 1: a couple of\n\nChannel 0: Wow.\n\nChannel 1: weeks in South Australia and then did the Great Ocean Road and then Ballarat and Canberra to see our niece and then come home. Yeah.\n\nChannel 0: Oh, wow. That would have been amazing.\n\nChannel 1: It's a bit rushed, though, because we only had four weeks. So...\n\nChannel 0: Yeah. Yeah. Yeah. Well, I think we did the Great Ocean Road, and we're gonna do it in three days, but we did it in two days.\n\nChannel 1: Yes.\n\nChannel 0: But that was still two very full on days. And my son loved it. He's 10. He just couldn't get enough of getting in and out of the car and looking at all the things and taking photos. So I'm glad we've seen that whilst it's still there because, like, with all the attractions, the apostles, and all that, they're all starting to sort of waste away, and there's not many left.\n\nChannel 1: Yeah. There's nothing like five or something.\n\nChannel 0: So... Yeah. Yeah. They don't.\n\nChannel 1: Yeah. Which... Because we were in South Australia, most\n\nChannel 0: Yeah.\n\nChannel 1: of those things to see were in the first day\n\nChannel 0: Yeah. Right. Wow.\n\nChannel 1: because, you know, we started at Warrnambool and then... Because we spent the night in Warrnambool and then,\n\nChannel 0: Yep.\n\nChannel 1: yeah, all those London Bridge and all them are before\n\nChannel 0: Yep.\n\nChannel 1: the apostles. So\n\nChannel 0: Yeah. Yeah. Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. So we went the other way because we stayed in Melbourne with my brother-in-law and then went the other way. So we went through Torquay and then down to Apollo Bay and stayed the night and finished off in Warrnambool the following day.\n\nChannel 1: Yeah. Well, we didn't go into Melbourne, but we only went as far as Lawn, I think, on the Great Ocean Road\n\nChannel 0: Yep. Yep.\n\nChannel 1: because we didn't want all that traffic.\n\nChannel 0: Yes. Yes. Well, we... I'm so glad we did it when we did because we... It was just outside of school holidays.\n\nAnd when we were coming back, it was starting to get very busy because Victoria was starting holidays. So I was glad that we did it not school holiday time because it would have been so crazy busy.\n\nChannel 1: Yeah. I've got your email up.\n\nChannel 0: Beautiful. Beautiful. So when you open the email there, it does ask you to click to sign. That's just so you can go forward and review the document there. Just let me know when you can see the document.\n\nIt'll just say statement of advice with both of your names on the front of it.\n\nChannel 1: So go to sign document.\n\nChannel 0: Yep. Yep. And then it will take you forward so you can view each of the documents. And the first one you'll be looking at will be statement of advice, and it has Frank and Robin Wilkinson on the front of it.\n\nChannel 1: Frank Wilkinson? It's up\n\nChannel 0: Yep.\n\nChannel 1: the top. He's signing. It says Frank Wilkinson is signing Robin Wilkinson waiting signature.\n\nChannel 0: Oh, okay. That's just sort of... Has it has it gone through? Have you signed anything as of yet, or are you just looking at the document? So when you click the button that says click to sign, it should move forward so you can view the document and scroll up and down through it.\n\nChannel 1: No. When you go to sign document,\n\nChannel 0: Mhmm.\n\nChannel 1: it just goes to oakviewaustralia.od.com\n\nChannel 0: Yep.\n\nChannel 1: wants to say you click on allow.\n\nChannel 0: Mhmm.\n\nChannel 1: And it's got location is turning off in Mac system preferences. Is turned off. You wanna open settings?\n\nChannel 0: So it's... It wants to basically to notify your location so that it can register where you're signing from.\n\nChannel 1: Yep.\n\nChannel 0: So you might just need to allow that this time or allow that to to do it for you.\n\nChannel 1: Yep. And then it goes to... Oh, no. Google Chrome, Siri, contacts, calendars, reminders, photos, accessibilities.\n\nChannel 0: No. That doesn't look right. Can you go out of the email for me and back into it? And then what does it say when you open the email?\n\nChannel 1: Yep. Statement request twenty twenty six ten to the sixth.\n\nChannel 0: Yep.\n\nChannel 1: Statement of\n\nChannel 0: And...\n\nChannel 1: birth.\n\nChannel 0: Beautiful. Is there... Can you see a link with the document on the front there at all, or is it just sort of say click to sign? What does it tell you there?\n\nChannel 1: So it says that you have requested our signature on the document sign request.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And if you go down to sign document, that's the same thing coming up again.\n\nChannel 0: That's really unusual. Normally, when you press that sign or... Sign document or sign request, it allows you to go forward so you can see the document there. If you go back up in the email, is there any other buttons or any other There's nothing else at the top of the email there at all?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. What I might do is I'm just gonna send you another email, just a separate one with the document attached because it looks like to allow you to review it, it wants you to kind of allow the settings to register, and it might take a little bit longer. So what I'll do is I will send you the statement of advice separately in another email, which will come through in a second. And then you'll be able to read it over with me.\n\nAnd then when you've got some time later on, if you wanna review the email, you can... You'll be able to go back in. And then when you... When... And if you are deciding you are ready to sign the document, then you can go through that process there.\n\nBecause it looks like it kinda wants you to go into settings and, you know, basically allow it to go through the process, but it might be a little bit longer. So, Robin, are you in your emails?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. I'm just emailing this one to\n\nChannel 1: No.\n\nChannel 0: yourself.\n\nChannel 1: Sorry. I'm in Frank's email.\n\nChannel 0: Oh, you're in Frank's. That's okay. I will\n\nChannel 1: Yeah.\n\nChannel 0: send it through again.\n\nChannel 1: Mhmm. Click the start. Oh, Frank can do his on his phone. Maybe it's sign below. That's fine.\n\nRight? So Frank's gonna sign his.\n\nChannel 0: Is it letting you move up and down? So when you get to that point, it's showing you the document. You can normally move through the pages go... Going up and down. Is it allowing you to do that?\n\nChannel 1: Yep. Frank's\n\nChannel 0: It is.\n\nChannel 1: on his phone.\n\nChannel 0: Okay.\n\nChannel 1: Someone...\n\nChannel 0: Beautiful.\n\nChannel 1: Maybe I can do mine later on my phone, or do I\n\nChannel 0: Yeah.\n\nChannel 1: have to do it right away?\n\nChannel 0: No. No. You can do it later. That's absolutely fine. If you...\n\nIf it's letting you look at that document, is it letting you scroll back to the very first page? It says statement of advice.\n\nChannel 1: Sorry? What was that? The site was still conducive.\n\nChannel 0: That's that's okay. Is it letting you scroll back so you can see the first page of the advice document? It's got statement of advice and your names on the front of it?\n\nChannel 1: Me. Yep. So I'm request. Statement of advice. Yep.\n\nChannel 0: Yep. Yep. Beautiful. So the front page there has statement of advice with your names in the front with the 10/06/2026. I'm just letting you know all of our advice is valid for sixty days, so you can take some time to go back and read this one prior to deciding to take the advice on.\n\nOn the bottom of that front page, it has prepared by myself and my lovely team here at Financial, and my authorized representative number registered with ASIC is 1304394. It's in the bottom of the front page there for you. Okay?\n\nChannel 1: But there's only one page. Might be something wrong with my computer. We're looking...\n\nChannel 0: It might be...\n\nChannel 1: Well, I've already signed mine. Yeah. We'll look on Frank's fine. Maybe that'll\n\nChannel 0: Yep.\n\nChannel 1: work. Next\n\nChannel 0: Yeah. That's\n\nChannel 1: stop.\n\nChannel 0: okay. That's okay. Sorry about that. Normally, it works a little bit easier.\n\nChannel 1: Yeah. That's what I was thinking. It'd be a bit bigger, but\n\nChannel 0: Yeah. That's okay. We'll go through it. I'll hit the points that I need to, and then I'll let you both go back to sort of look at it again at a later time. Okay?\n\nYou don't have to sign anything now. You're welcome to read, go through, and read it all prior to taking the advice. Okay?\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Beautiful. So moving forward to the next page, you'll see the headings, this document and best interest duty. It's just about letting you know that any advice we do provide is being provided in your best interest. So as part of each of the recommendations, we do outline a best interest duty, which essentially relays the recommendations back to your goals and how that works in your best interest. Okay?\n\nThe next page, just keep scrolling through with your table of contents. And then the next page we have there the scoping of the advice, the areas that we are looking at with this advice piece for you. Okay?\n\nChannel 1: Yep. Could you hold a minute, please? Are you getting the pages up front? I'm trying...\n\nChannel 0: X... Is it working? Is it not working?\n\nChannel 1: Yeah. Well, I was showing mine, but the document is up there. I'm trying to get it up. Okay?\n\nChannel 0: Do you want me to email it to you again, Frank, into a different email so you've got a copy of it to look at in the emails? It might be easier.\n\nChannel 1: Well, I can get it up, but I just... Yeah. It's up now. He's gone. Let\n\nChannel 0: It's\n\nChannel 1: me\n\nChannel 0: up now? Yep. That's okay. If if I go too fast, just tell me to stop. Yeah.\n\nChannel 1: Yeah. Well, that's ongoing services there. What page are we on? Sorry.\n\nChannel 0: So we're on page number three.\n\nChannel 1: Gotta go right back.\n\nChannel 0: Yeah.\n\nChannel 1: Page number three. That's a table of\n\nChannel 0: That's...\n\nChannel 1: contents.\n\nChannel 0: Yep. So go down to page number four, and you'll have their scope of advice considered. It'll be the next page we're looking at.\n\nChannel 1: Yep. Skype of a a voice. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Jim.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So with this advice piece, we were looking at essentially looking at trying to derisk your portfolios a little bit. We had sort of noted some of the investments weren't performing as well when we did your risk profiling. You both wanted to sort of look at trying to be about fifty fifty growth and defensive. So trying to be more balanced, taking on less risk in the market, and sort of looking after your super capital and trying to grow it in a way that you're able to access it. With Frank, you currently being on the age pension, and, Robin, you're still technically working.\n\nEssentially, when we spoke, you both had the goal of being able to maybe move into pension phase and start accessing all for Robin for you to retire out of that age 67, which is essentially just over a year away at this point. Does that still sound appropriate for your goals? Is that still accurate? Would there be any changes in your goals at the moment?\n\nChannel 1: Oh, I'd love to finish work, but, yes, that's not happening.\n\nChannel 0: No.\n\nChannel 1: Sorry.\n\nChannel 0: That's okay. But 67 still sounds about right when you're wanting to essentially stop work at this point in time.\n\nChannel 1: Yeah. So it'll probably\n\nChannel 0: Yep.\n\nChannel 1: be probably be the end of September, early October next year because we're going to Tassie in October.\n\nChannel 0: Beautiful. Yeah. Excellent. Excellent. And this is the sort of the recommendations with what to do with the super now and then starting to transition to you into that retirement phase.\n\nBut before that time, we will also come back and do a review with you both. So if we need to update the advice next year, we absolutely can. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Excellent. So I've scoped in for you both, your superannuation, looking at your super and the investments, and then I've also scoped in the income retirement aspect for you both because we are essentially fifteen months away from that. So it's only a very close time there. Okay? Areas that we're not considering as part of the advice at the moment is the funeral bond side of things.\n\nSo we talked about the money that you have sitting in a bank account that you were utilizing as a funeral expense or funeral cover. We talked about how that could be utilized down the track, and can also be sheltered against Centrelink assessment as well. Essentially, you were happy to leave it as is the moment, noting we can always review that down the track. So for now, that's gonna stay exactly as it is. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. The next page is the limited advice scoping to this, letting you know that we're not solicitors. So when it comes to drafting of wills and power of attorneys and legal documents, we do tend to refer you through to a legal solicitor or a legal practitioner for those sorts of services. We do provide advice around personal insurances, but we don't do general insurances. So we often refer clients through to a general insurance broker for the purpose of getting a house motor contents, things like that.\n\nAnd under the Better Advice Act 2021, I'm a relevant tax provider. That essentially means that I can provide financial advice around tax and tax related matters. I don't need to as part of this advice, realistically, but if you ever did sort of need those sorts of services, we can provide that for you as part of my license.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Okay? The next page is the about you section. Just the information we had on the both of you as per the last fact find there. And I wanna skip forward over a couple of pages, but the next one's essentially your assets and liabilities as per our last conversation of fact find. I know some things that could have changed, but there's no major change on the advice at all.\n\nWith... Sorry. With page number eight, your assets and liabilities, is there anything big that may have changed in that that you would wanna update, or is that all still fairly appropriate?\n\nChannel 1: Roughly the same. Yep.\n\nChannel 0: Yeah. Yep. Absolutely. Beautiful. And then the next one...\n\nThe next page outlines your current super balances in Hub twenty four. So, Robin, at the moment, you're sitting at a $139,617.97 there. Frank, you're currently sitting at $88,801.47. Okay?\n\nChannel 1: Yes, ma'am.\n\nChannel 0: Excellent. The next page outlines your risk profile. So you both set and was that... Will... Scored as a balanced investor.\n\nThis is kinda... We talked about sitting at normally a sixty forty kinda split, but we wanted to look at more of a fifty fifty split between growth and defensive assets there. You're wanting to look at getting it, you know, growth and making your super work a bit harder, but you also... As you are closer to accessing super and, you know, retirement, that you wanted to also protect your super and look after your capital there. So we have looked at ways to be able to do that for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Excellent. If I can get you to scroll down to page number 12 for me, yours might say 13. The heading there is Robin strategy recommendations.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now this is just running you through the recommendations. I'll run through each of them for you. I'll give you a a brief outline of what I'm recommending as simply as possible. And then if you have any questions throughout, please let me know, and then I'll let you definitely go back and read them.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: So, Robin, this is essentially for your super. So what I am recommending is that we do retain hub 24 as a super platform. I did have a look at hub 24 as well as other platforms to make sure your super was working well for you. Retaining hub 24 is a suitable option because to sell down and move your money elsewhere is a lot more complex and would have made... Would have had a higher capital gains consequence.\n\nSo one of the things I do look at is that your super, like you, does a tax return every year currently. Essentially, whenever we buy and sell investments or make changes to your super platform, there are capital gains consequences for your super fund to take into account. So in order to sell all of your investments down to cash and move your super to another platform, that means that your super fund would have had a capital gains consequence. I didn't wanna obviously overcome make it over complex. There's no need to move out of Hub twenty four.\n\nIt still has a lot of different investment options. It essentially gives us access to more than a thousand different investment options, which is fantastic. So retaining that platform was in your best interest. And, also, you guys are linked in the back end as well. So you're getting the family fee aggregation and things like that, which is also important.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Now what I am recommending, though, is that we do alter your super fund within Hub twenty four. So, essentially, the super fund has different stages of the platform. They have three tiers. They have a a Hub 24 Discovery, which is the cheapest part of the platform and only has access to a few investments. We then also have Hub 24 core, which is the second tier.\n\nIt's a little bit cheaper than the current option, and it gives us access to a few more investments. And then you have the full menu, which is choice, and that's where your super is at the moment. That gives us access to over a thousand different investment options. But that Hub 24 Choice menu is actually a little bit more expensive. So what I'm recommending is when we retain your Hub 24, however, in the back end, we change you to a cheaper version of hub 24.\n\nWe're not selling or moving you out of anything. It's all done in the back end. This is the switch or a tickable... Tickable box, and we alter the platform and switch the menu in the back end for you. We're gonna move you down to the core menu over the choice because it's actually cheaper.\n\nIt's a lower cost in administration fees. It saves you about a $180 per year on administration fees. So it makes the platform cheaper for you. Okay?\n\nChannel 1: Sorry.\n\nChannel 0: Yes.\n\nChannel 1: I put $20 a week into that.\n\nChannel 0: Yep.\n\nChannel 1: Hub 24. Would that number change?\n\nChannel 0: No. No. That stays exactly the same. Everything on your side will look exactly the same as it does now. It's just a switch in the back end of what we're using with the back end of the platform.\n\nSo nothing changes for you. Your account number stays the same. You'll see your hub twenty four super fund exactly as you do now. Essentially, by changing the menu, it's just a tick of a box in the back end for us. We just get you to sign a change of menu form, and everything's kinda done in the back end for you to make the platform cheaper.\n\nDoes that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. Now once we change that menu, we're actually gonna change your investments as well. Now at the moment, within your super fund, you have a range of diversified investments. You essentially have, like, the S and P 500.\n\nWe have some Australian equities, but you can see all the individual investments noted there. What I'm recommending we actually do is change you and move you into our new investment product. We have, in in combination with the BlackRock investment committee, set up an investment product called an SMA. It's a separately managed account. So instead of you seeing your bank hybrids, your physical gold, your cybersecurity, your Asia, your S and P 500, all those investments individually, all you would see in your super fund is the SMA Grove, the investment product there.\n\nThe reason I'm moving you into this investment product is that it gives you more of a fifty fifty split. So with the way I looked at your super at the moment, you're in more of a balanced growth environment. So you're 70% invested in those growth assets like shares, property, commodities like gold and silver, and have about 30% in those low risk defensive investments. In order to reevaluate and derisk your portfolio to reduce the overall risk, moving you into this SMA product works really well. Because it is managed by us as well as the BlackRock investment team, it means that we can make changes to the underlying investments for you smoother and easier.\n\nEssentially, it's reviewed every three months by the investment committee. And where there are changes to the markets where there's high inflation, they can add an ultra investment so that it is working harder for you. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. It's also gonna reduce your risk level down from, say, 70% sitting in those growth assets to about 49% in those growth assets, keeping 51% in defensive exposure, things like cash, bonds, and fixed interest. So, essentially, this is giving you a little bit more protections. We can make changes in line with your risk capacity as well and make sure that the funds... How you're invested is always working well, make changes as we need to.\n\nOne of the things that I do like a lot... A little bit about this product at the moment is that it currently has some inflationary protections. So, essentially, what sorta happened this year is that because we have seen very high inflation in Australia and it has affected bonds, essentially, our investment committee with the BlackRock team, they met earlier this year. They looked at that estimate product, and they went, hey. We needed to put some inflationary protections in place.\n\nSo they added some underlying investments in there to add that kind of inflationary protection into the product. By doing that, we didn't have to do updated advice and change anyone's investments. That was all done in the back end, And that just changes that SMA or that investment option on a regular basis to make sure that the funds within that are always working in the right direction, that it is essentially lowering overall risk, and that it is, you know, providing the right level of exposure. Now that can be a little bit complex. Do you have any questions in relation to what that is or anything I've just gone through thus far, Robin?\n\nChannel 1: I don't really understand this investment in that. So I'll just\n\nChannel 0: Yeah.\n\nChannel 1: go with whatever you recommend.\n\nChannel 0: Yep. That's okay. Let me take you through it a little bit easier to show you. I'm gonna scroll down a couple of pages. Now if you can go forward for me just to page number 24 on your document, it might be 25.\n\nThis will have the heading Robin recommended investment superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now you'll see here it's got a bit of a table. There's a lot going on, and that's okay and understandable. The first... The top column there and all the first column is basically what you currently have within your super fund at the moment.\n\nSo you've got some bank hybrids. You've got some physical gold. Underneath that cybersecurity, some Asia exposure, some European exposure, the S and P five hundred, some Nasdaq, sorry, and some fixed interest, and then the Vanguard diversified index, and then the Benelon Australian Equities investment there.\n\nChannel 1: Yep.\n\nChannel 0: Now what we are essentially doing... That's showing what you have currently in your super fund. What we are recommending is that within your super fund, we will remove all of those investments. Some of them will just be transferred. Others will be sold off.\n\nSo you won't see those anymore. At the very bottom, you've got the SMA growth, and that essentially shows that we're gonna transfer all those investments at the top into the bottom. So anything that's, you know, can be transferred in, anything that doesn't need to be held is gonna be sold off. And within your super fund, after we make this change, you'll see that. You'll see your hub 24.\n\nYou'll see SMA growth and your current balance. So this will be the new investment product. Inside that product, there is about 20 to 30 different other investment options. And by having this product, we can make changes to the investments for you to keep things working harder, to make sure that, you know, as markets change, that new investments are added to make sure it's working for you, and to help overall, you know, help reduce your overall risk level as well. One of the good things I do like about this SMA is that it use...\n\nIt utilizes the BlackRock investment committee. They work with us through this, and they have an investment manager. They have economists, and they have a really cool supercomputer. And that supercomputer looks at what, you know, is happening in the... Around the globe, what's happening in Australia, what's happening with investment markets, and it helps us to build portfolios that are lowering risk but that are also providing good, steady, long term gains.\n\nNow that is a lot. Do you have any questions? I know it's a lot to take in. I'm so sorry.\n\nChannel 1: No. It's okay.\n\nChannel 0: Yeah.\n\nChannel 1: Just just a question looking at that chart. It's got... My balance is a 136, but I thought you said a 100 and\n\nChannel 0: Sure.\n\nChannel 1: 39 payable.\n\nChannel 0: It... Yeah. It is. That did there. This hadn't quite been updated correctly.\n\nWe had to... We did the document up the other day, and then it had to be updated again. So it looks like that bit there hasn't been updated. I can get that updated for you and reissue it. Sorry about that.\n\nThis is small this is a small typo. Yeah. No. It's okay. Because it takes a few days to put the document together, and your balance is changing basically every day.\n\nEvery time we go and update the document, we've gotta update all those little sections there. So it looks like that one's just being missed, but we can have that updated and have it reissued to you just to reconfirm. But, yeah, your balance at the moment is at $13,961.08. Okay?\n\nChannel 1: $61.08.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Now that is a lot. Do you have any questions? Did you want me to break any of that down a little bit further for you? Or\n\nChannel 1: No. It's fine.\n\nChannel 0: no. That's okay. I think what I kind of really wanted to look at for this was instead of giving you advice documents and going, hey. We're gonna buy this, sell this, move this, change this, to simplify your super fund for you. And this separately managed account, this investment product basically simplifies it for you.\n\nBecause instead of us giving you an advice document every time we need to make changes in your portfolio that says we're gonna buy this, sell this, change this, move this, rebalance this, and overcomplicate things. You're just looking at that SMA product and your balance. And inside that, our investment committee can make those changes for you. We can, you know, be having the meetings known, look, inflation might be high, or this investment should be here, or we need to look at investing in this market over here. And then in the back end, our investment committee can make those changes without having to come and overcomplicate the the investment conversation with you.\n\nDoes that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. It's about sort of making it more streamlined. The other thing I do like is because this has a lower risk level, you've kinda got that 49% growth and 51% defensive investments. It is lowering the risk from where you are at the moment, and you can be in this through those retirement years a little bit as well. It is more of a conservative portfolio, which is important.\n\nAnd that was\n\nChannel 1: Yep.\n\nChannel 0: one of the things that we talked about was that you guys have built up your capital. Your balances are definitely lower than where we would normally like them to be at your age. And that's understandable with, you know, there's a lot of things that have happened. Soup has taken, you know, built up over time. It wasn't a big thing until the nineties.\n\nIt also wasn't compulsory for a long time there as well. But we just wanna make sure that, you know, your capital is being looked after, and it's been invested in a way that it can be altered and changed as it needs to be without the need to overcomplicate it for you. Does that make sense?\n\nChannel 1: Yep. We did have plans\n\nChannel 0: Yeah.\n\nChannel 1: to have more money, but the mine\n\nChannel 0: Yeah.\n\nChannel 1: didn't stay open and then didn't reemploy Frank. So and he\n\nChannel 0: Yeah.\n\nChannel 1: was out of work for years. So...\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Well,\n\nChannel 1: Anyway,\n\nChannel 0: I will look after you. I will look\n\nChannel 1: thank\n\nChannel 0: after\n\nChannel 1: you.\n\nChannel 0: you. We we will be okay. We'll keep reviewing it and looking at it and just keep altering it. And that's what this advice piece is about. It's showing you how we can kind of alter things so that you're able to lower risk, look after your capital, keep it moving, but also utilize it when you need to as well.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now, Robin, if you can go back up a couple of pages for me, on your document, it should be page 22. It should be... The heading should say Robin fee comparison superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now this is essentially the table showing you the difference in the recommendation there. So the first one shows your current balance. It shows your $13,961.08, your admin fees, investment fees, the ongoing service fee for us looking after and managing everything, your contributions going in at the moment. You've got no insurance premiums coming out, then underneath that at the very bottom, you've got your five year rolling average.\n\nThis shows that in that balanced growth environment, this portfolio has been able to average around about 4.77 on a yearly basis. Not as good as what we would realistically like, and you are taking a bit more risk to get a very low return. So I wanted to kind of look at making these changes for you. Now with the recommended column, which is the one next to it, it does show a difference in the balance, and that is because we are changing the investment. So we understand that your super fund, does have a capital gains consequence for for doing so.\n\nIn order to change the investment, your super will account for $1,850. That is the capital gains consequence. But with the reduction of fees, with your contributions going in, and with the growth, your super fund\n\nChannel 1: Okay.\n\nChannel 0: should be able to make that money back nice and quick for you. Okay?\n\nChannel 1: Just another\n\nChannel 0: Yeah.\n\nChannel 1: question. I\n\nChannel 0: Sure.\n\nChannel 1: put $20 a week in,\n\nChannel 0: Yep.\n\nChannel 1: so the government's supposed to give me some, aren't they?\n\nChannel 0: Mhmm. Yes. And I've I've factored that in for you as well. I looked at that. So, essentially, with that, that $20 extra per week that you're putting in equates to about a thousand and $40 over the course of the year.\n\nWith your income being under the threshold, when you do your tax return for the year, that is all sent off to the government. Essentially, based on your income that we have, you should be eligible to receive the full $500 as a government co contribution. But once your tax return for the last financial year is being completed and sent to the ATO for rebalancing, then the government will deposit that into your super fund for you. Does that make sense?\n\nChannel 1: Okay. Because my tax\n\nChannel 0: Yeah.\n\nChannel 1: is done. It\n\nChannel 0: Beautiful.\n\nChannel 1: was done in August, I think. So... Yeah.\n\nChannel 0: I'm just\n\nChannel 1: So that's...\n\nChannel 0: gonna log in and see if... You're right. I'll just log in and see if it's come in for you as of yet. It doesn't always happen quick. You know, the government, they're happy to take money, but not happy to give it in a hurry.\n\nChannel 1: Yes. I probably won't give it until May next year or something.\n\nChannel 0: Hold on to it as long as possible. Yeah. So with that recommended side, I've also considered and factored in that government co contribution as well based on the research there. So the thing I do like, as much as there is a CGT consequence for making the change in the investments, it also is cheaper. So this\n\nChannel 1: Yep.\n\nChannel 0: new core product within Hub 24, it saves you a $187 for the year on administration fees, so it makes your admin fees cheaper. It's also gonna reduce your investment fees by a $163 as well. So, overall, you're saving about $350 a year in admin and investment fees, which is good. That money stays in your super working harder for you. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: The ongoing service fee is, yeah, a little bit lower as well, which is good because the balance is dropping with the change. And the net contribution there, that's your employment contributions plus your non concessional contribution of $20 per week. Plus we've also factored into that the $500 for the government co contribution. So that's essentially showing what the contribution should be for the year, total between all of those things for you. Okay?\n\nBeautiful. Now underneath that, you'll also see... It doesn't look like it has come in yet. I'm just looking at the transactions. So it doesn't look like the government co contribution has come in yet.\n\nSo, hopefully, in the next few months, it'll appear automatically.\n\nChannel 1: That doesn't surprise me at all.\n\nChannel 0: Yeah. They're quick to take the money. They're good to hold on to it, though, aren't they?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Now at the bottom of that, the investor profile, you'll see next to the... In the recommended column, the balanced option. So this is moving you down from that balanced growth environment to balance. So lowering your risk, saving you on fees, but the newer SMA product has also performed better than your current super investments as well.\n\nSo it's averaging 5.72%. Essentially, that is a good conservative rate of return for this sort of environment, and getting that consistently over time can help for you... You know, can help you to draw down the income that you do need. This portfolio can obtain a much greater return. You know, we are gonna see years of negative returns and good returns and things like that.\n\nWe just\n\nChannel 1: Yep.\n\nChannel 0: need to kinda keep monitoring it with you, seeing how it's performing, and watching your draw downs to make sure that you're always earning the income that you need, but that your super is, you know, performing and kicking along nicely as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Do you have any questions about that table at all?\n\nChannel 1: No.\n\nChannel 0: No? Beautiful. Underneath that, you'll see there is a projection table. I've only done one year of projections because you are essentially planning to retire next year. I didn't wanna sort of show you too much.\n\nSo we're looking at, you know, making this change now so that when you retire next year, this is essentially looking at what the projected outcome shows. You can sort of see by saving fees, by moving into the SMA product, and with your contributions there, it's only a difference of $52 for the year in the projected outcome of your balance, which is pretty good.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Beautiful. If we go down to the next page there, you'll see the annualized returns. Now this is just showing you the difference between your current product and how it has performed versus the SMA when we look at twelve months, three years, and five years. So you can sort of see in that recommended...\n\nThe the newer investment product has performed pretty well long term, and you can sort of see over three years it has potential for about 9%. So we use a five year rolling average with that 5.72 a because it gives a more conservative projected outcome. But, realistically, this portfolio could perform much greater than that 5%. Realistically, this portfolio could perform much greater than that 5%. Okay?\n\nYeah. Beautiful. Do you have any questions there, Robin? I know it can be a lot, and I'm so sorry.\n\nChannel 1: Yep. No. You're right. No. It's all good.\n\nThank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Beautiful. Now what I'll get you to do is we'll scroll down a little bit more, and we'll head down to page number... Sorry.\n\nChannel 1: Alright.\n\nChannel 0: Number 30 on mine. So number 31 on yours, and this is Frank's sofa.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Beautiful.\n\nChannel 1: Today?\n\nChannel 0: Yep. I can hear you both. You still there?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So, Frank, this one's basically yourself, and it did the exact same thing. I had a look at how your super was performing, looked at the different platforms, looking at how everything was structured now and with your current balance sitting in there. Essentially, I am recommending again the exact same thing that we do, you know, essentially retain hub 24, but move you into that new SMA product that we've got available. Utilizing and making sure it's managed correctly, it, again, is reducing your risk level within the market there, and it's also giving...\n\nYou know, making sure that we can make changes to your super as as needed to make sure it's always working harder for you. Just because we're in this SMA product doesn't mean we need... Don't need to review it. We still need to review it with you to make sure it is working harder to make changes, And there might be a time where we, you know, reduce the risk even more essentially down the track, but we'll kinda keep reviewing it with you to see how comfortable you both are with this. Again, with yourself, Frank, it's just about retaining hub 24.\n\nIn the back end, we'll move you out of into the core product. It's just the back end switch of the actual product or the menu of Hub 24.\n\nChannel 1: Yes.\n\nChannel 0: And then we will complete the sale and the switching of your investments and move you into the Grove SMA or separately managed account as it's actually called. For yourself, Frank, your CDT consequence on this is expected to be 1300 and 17, so definitely lower than Robin's. However, we are still saving on fees for that. Okay?\n\nChannel 1: Yeah. That's good. Yeah.\n\nChannel 0: Excellent. If you can move down for me just to page number 38 a month, so 39 on yours, And this is your fee comparison table.\n\nChannel 1: Alright. Yep.\n\nChannel 0: Yep. Beautiful. So we've got the current recommended there. So the current with your super balance sitting there at $8,880.01, and then we've also got your administration fees, investment fees, any other fees applicable there, your ongoing service fee. You're not paying in any contributions in currently, and there's no insurance premiums coming out.\n\nLooking at the way you are invested, it's, again, that balanced growth kind of environment there, and your portfolio has averaged about 4.10% over the past five years. So with the recommended, we understand the CDT consequence is 1,317. That essentially means that after making the switch, we expect your balance to be at $87,004.84. We still understand there are administration fees and investment fees, but they are definitely cheaper. So the same as with Robin Super, by making the switch, we'll save you $215 for the year in administration fees, and then we'll also save another $100 in investment fees there.\n\nSo all up for the year, it's saving you about $315 in administration fees and investment fees as well, which is good. Okay. Absolutely. Definitely. At the very bottom there, again, you're going going into that balanced portfolio over the balanced growth.\n\nSo we're reducing our risk level within the market and adding those additional protections with the management side of things through the SMA there. And this SMA has averaged 5.72%. So that, when you look at it, can have more of a significant change for yourself because your CGT consequence is a little bit lower. Your balance is a little bit lower as well. The projected outcome's a little bit better for yourself.\n\nSo we do expect you to be in front by that $222 over the next twelve months with this one. So it's putting you in front, which is great. Okay?\n\nChannel 1: That's for sure.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Excellent. And then on the next page there, we've got the recommended and the current portfolios. The returns, they are the same as above, but just showing you how they have performed side by side over the past twelve months, three years, and five years there for you. Okay?\n\nExcellent. Do you have any questions at all, Frank? You're welcome to let me know if you do.\n\nChannel 1: No. It's not. I haven't enjoyed it. This\n\nChannel 0: Beautiful.\n\nChannel 1: is the\n\nChannel 0: Excellent.\n\nChannel 1: email address.\n\nChannel 0: I would definitely wanna make sure we kinda build on that. I like a conservative projection so that we're not overestimating, but just making sure that we touch base with you and keep updating things to see how it's all going, keep monitoring it, and maybe do six monthly catch ups as well to sort of see how it's all tracking for you both as well. Okay?\n\nChannel 1: Yeah. Well,\n\nChannel 0: K.\n\nChannel 1: I'm I'm 70 in about four months' time.\n\nChannel 0: Excellent. Yes. Yes. Yes. I'll update that for you.\n\nSorry about that. It's... It is it is protecting your whole one year away. So... Because you're nearly 70, realistically, in this this time next year, you'll be almost 71.\n\nBut I don't want you to feel like I'm making you older than you really are. It's just more with the age you're turning. Sorry about that.\n\nChannel 1: Well, he wasn't talking about that. He was just... Likes telling everyone he's nearly 70.\n\nChannel 0: I'm glad you're proud of that.\n\nChannel 1: Especially when you didn't make it.\n\nChannel 0: You've done really well. I want you to enjoy the rest of you. You still got a lot of living to do.\n\nChannel 1: Yep. That's what I'm doing.\n\nChannel 0: Absolutely. The next page down is just basically a run over of the investment asset allocation there. But if you go down to page number 42, you'll have the recommended investment table, and that is showing you, Frank, essentially what investments you have currently, how they will all be essentially either sold down or transferred. So at the bottom of that table again, you'll just see you'll have 20 four exactly as it is now, but the investment you'll see is the growth, and you'll see your balance in there.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. And, again, this table is showing... This needs to be updated because your balance has changed a little bit from when we completed this. So I'll just go back and get my team to update that, and we'll resend it through to you later. Okay?\n\nChannel 1: Okay. Thanks. That's good.\n\nChannel 0: Beautiful. Excellent. Now if we kind of keep going on, I also wanted to have a little bit of a look at the retirement aspect. So this will be reviewed with you both as we get closer to it, and we'll do a review with you next year prior to you retiring there, Robin. But moving\n\nChannel 1: Yep.\n\nChannel 0: down to page number 44, you'll see here it's got Frank and Robin strategy recommendations, and this is about moving into that pension phase when you turn 60\n\nChannel 1: Mhmm.\n\nChannel 0: seven. Beautiful. So because this is essentially part of the short term, and we know that next year you'll be 67 in November, and your goal is to essentially retire there. It was appropriate to factor this into the recommendations to sort of look at the Centrelink side of things, but also what the expected drawdown might look like or how much you'll need to drawdown to cover your living expenses to meet your goal. One of the things we sort of talked about was that between the both of you, you wanted to live on about $2,000 per fortnight.\n\nIs that still fairly accurate?\n\nChannel 1: Yeah. Probably. But... I mean, if we can live on less, that would be better. But because the\n\nChannel 0: Yep.\n\nChannel 1: pension, What's the pension these days?\n\nChannel 0: Well, it's actually just increased a little bit, and I'll show you what that is. Let's go down a little bit. Let's go down to... I'm just going forward a little bit. If we can go down to page number 51, I can show you what that looks\n\nChannel 1: Yep.\n\nChannel 0: like. Yeah. So they've just increased it. The age pension is assessed, or a few of the Centrelink pensions are assessed essentially twice a year around the March 20 and September. And when they need to be, they are indexed and increased to keep up with inflation.\n\nSo this all has been updated very recently. So currently, the age pension is paying out 933 per person a fortnight. So 1,866 per fortnight for the two of you as a combined, That's full age pension. And having a look at your assets both with the projected super balance and everything you've got noted, you are both essentially looking to be eligible for full age pension there, which is great.\n\nChannel 1: Do you get less if you're a couple?\n\nChannel 0: No. No. You actually get more. So the age pension, I actually have the single for you. Get that.\n\nSo for a single person, the full is $1,237.70 per fortnight.\n\nChannel 1: You know how much Frank gets now because I work?\n\nChannel 0: How much is he getting at the moment?\n\nChannel 1: That's 700.\n\nChannel 0: Yeah. Well, it'll get easier. It'll get better. You're so close. Yeah.\n\nBut, no, honestly, look, having a look at everything, I did go back and we had a look at the the availability there. You're both going to... You... With what we can see and project out, we'll be under the threshold there. So eligible for full age pension, which essentially gives you that 1,866 per fortnight.\n\nNow the other thing that we wanted to look at was how to supplement that because you talked about how, realistically, you need about $1,000 a week to live, so $2,000 per fortnight. So what we've also made a recommendation on for both of you is that as of you retiring and turning 67, Robin, we will move both of you into pension phase. Moving you both into pension phase within the hub 24, we'll keep you in that estimate, and we'll review this prior to because, you know, prior to you actually retiring in November next year or earlier than that, the Centrelink age pension is also gonna be reviewed twice. So it may go up in value, which means you may not have to draw anything out of your super, which means we can change the strategy. But right now, looking at where we're projecting out, with the current age pension eligibility, we need to draw a little bit out of your super to supplement the age pension side of things.\n\nBased on your two current balances, you are both gonna have to draw the minimum pension payment. Essentially, with the eighteen eighteen sixty six on a fortnightly basis, you only really need to draw essentially a bit over... Bit under $200 to kind of, you know, cover you. But withdrawing the the minimum... Withdraw the minimum pension payment out from your super on a yearly basis.\n\nEssentially, Robin, for yourself, it will actually only be $275.04 per fortnight or 7,000 for the year. Okay?\n\nChannel 1: So what page is that on? Sorry.\n\nChannel 0: Oh, that's okay. You're right. I'm just scrolling back. Sorry. My computer's having a bit of a moment.\n\nI had to keep... It's on page 46.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. And you'll see a little table there. So, essentially, you've both wanted to between you'd be able to have that 2,000 per fortnight, which gives you $52,000 a year for living by drawing out the minimum. And as at your age, 67, you... At the moment, it's a 5% minimum that you have to draw out of your account based pension within Super.\n\nSo it means that based on the projected balance, you'll have to draw $7,151.04 per year. That equates to a regular fortnightly drawdown of $275.04. That plus your age pension entitlement of 933 is expected to give you $1,208.04 per fortnight just for yourself there. Okay?\n\nChannel 1: Yes.\n\nChannel 0: Frank, your ascent drawdown is a little bit lower. I'm just scrolling down. If you can go to page number 55 for me, this has got your little table showing your expected drawdown.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Beautiful. So with this one here, based on your projected balance, as at the time that Robin's retiring, rather about the age 67 mark, we're looking at drawing down again. It's 5% minimum based on your age, and it's essentially a $170 per fortnight for yourself or based on your balance, 4,421 for the year. Again, adding that to your age pension entitlement of $933 per fortnight essentially gives you $1,103.07.\n\nAll up, this is essentially giving you both an income for the year between Centrelink and a... And your account based pension of $60,088.79.\n\nChannel 1: Okay.\n\nChannel 0: So it's a little over $8,000 above your required income of $52,000 a year. I do like that because it gives you a buffer. We know living expenses increase. We might wanna take holidays. You can put that extra little bit of money away, you know, take a trip or whatever you need to do.\n\nBut it does give you a little bit of that $8,000 extra per year just as a bit of a buffer there and allows you to have a little bit of extra.\n\nChannel 1: Yep.\n\nChannel 0: I do like the idea of drawing smaller amounts out on a fortnightly basis rather than lump sums over the course of the year as well because your income and capital growth can can help with the drawdown. So taking smaller amounts out on a regular basis, a, replenishes your income to what you need, but also has less than... Can have less of an effect on your super rather than a big lump sum, essentially, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So when I sort of work this out per fortnight, so that $60,088.79, it actually equates to giving you both a combined income of $2,311 per fortnight. So just over that $2,000 mark, giving you a little bit of an income buffer. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now the other reason I am recommending that at that time we move you both into pension phase is that pension phase, whilst you are required to draw down a minimum income payment, which at the moment is needed to boost your income for your required expenditure, it's also a tax free environment. So at the moment, your supers are in the accumulation phase. It's where we're accumulating wealth. That phase of super is taxable.\n\nSo your super fund pays capital gains tax. It also pays income tax. When we move into that pension phase completely and you're fully retired, that phase is completely tax free for your super fund. Your super fund no longer pays income tax or capital gains tax on changes within your investments there. So that is a positive thing as well, tax free environment.\n\nChannel 1: That sounds good.\n\nChannel 0: Yeah. Do you... Either of you have any questions? I know this can be a lot. You're welcome to let me know.\n\nChannel 1: No. So do we both have to be pension age before we get... We change over?\n\nChannel 0: No. So, realistically, Frank can move now. We did talk about that last time, and he kinda wanted to not because once he moves into that pension phase, you have to draw down a minimum every year. So they they force you to take money out. We talked about that last time, and Frank decided he wanted to hold off until you were ready to retire and move into that pension phase then.\n\nChannel 1: Yep.\n\nChannel 0: If he changes his mind and wants too early, you absolutely can. It's just that, yeah, you do have to draw down a minimum... A balance from your super every year to meet that pension requirement. So if you don't need to do it yet, keeping it as it is is preferable, and then we move into pension phase. Yeah.\n\nKeep it growing as much as possible, and then we move into pension phase next year. Yeah.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I guess.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And, look... Oh, good. And, Robin, look, you don't\n\nChannel 1: That's\n\nChannel 0: have\n\nChannel 1: good.\n\nChannel 0: to\n\nChannel 1: Yep.\n\nChannel 0: be 67. We've sort of made mention '67 is when you were, you know, wanting to retire. But as I said, we'll do a review with you next year prior to that. If anything changes, if you wanna retire beforehand, that's absolutely fine. We'll just revisit the numbers.\n\nWe'll just revisit the numbers, look at what the Centrelink drawdown looks like, and look at what you need to live on and how you draw your pension payments out. So we might just update this strategy next year as well, and that's absolutely\n\nChannel 1: No.\n\nChannel 0: fine. But this is giving you an idea of what that looks like. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. It's giving you a bit of clarity around those income draw downs, showing you that you can draw a little bit out of your super, keep the most of it invested, and being eligible for full age pension to supplement that will give you the income you need, and you're not drawing much out of super on a yearly basis. So it'll still be invested working, growing, building, and paying down some income payments for you as well. How\n\nChannel 1: Yep.\n\nChannel 0: does that sound? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Good.\n\nChannel 0: Beautiful. How does that look? How's that kinda giving you a bit of clarity for the moment? Do you have any questions in relation to any of that so far?\n\nChannel 1: No. No. That's good.\n\nChannel 0: No. Beautiful. The last thing I just wanted to show you, Bryce, was on page number 59. This is the beneficiary nomination for when you do move into that pension phase.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now at the moment, you both have beneficiary nominations on file, and they're absolutely perfect the way they are. However, when you move into that pension phase, it's good to update the beneficiary. What I'm recommending is that when you both move into that account based pension phase, we update your beneficiary nomination to be a reversionary beneficiary. These are a really cool kind of beneficiary nomination.\n\nEssentially, a reversionary beneficiary is only available in the pension phase. And what that essentially does is if one of you were to then pass away, with the income drawdowns coming out of the account based pension, on the... Under a normal binding nomination, those pension payments stop, and the other staff has to claim the death benefit to be able to continue receiving money from that super fund. With a reversionary beneficiary, if Frank or Robin, if either of you were to pass away and you're receiving that regular income payment out of your super fund, that would continue without question. It would continue to your spouse.\n\nIt essentially allows the income payments to continue being paid to the other member once the member has passed away without ceasing. One of the biggest things I have found in the past is that when one member passes away, your expenditure can get a little bit more. People come to town. There's funeral expenses. There's time that you need to, you know, cover up bills and funerals and things like that.\n\nPeople coming into town, you might be spending more on food. You might have to travel somewhere else. So those sorts of expenses tend to come out of the blue. But what doesn't stop is your regular food bills, your electricity bills, your car payments, your rates, your things like that, insurance costs. Things like those don't actually stop.\n\nThey continue. So this reversionary beneficiary allows each of you to still receive the regular income drawdown from your spouse's super if they were to pass away without stopping. So it allows your expenditure to remain exactly as it is throughout that time. You can also drawdown extra money when need be, which is absolutely fine, but this just continues those draw downs for you on a regular basis. So it keeps your pension payment paid down continually without stopping so that you can continue to pay for your regular expenses at that time.\n\nDoes that make sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. That's just one of the things I do like about that reversionary beneficiary there. Underneath that box, you will sort of see we have the best interest duty noted there. In all of these recommendations, we've outlined the best interest Judy. It links back why we've made the recommendation and how that works for you.\n\nWe've also got in there advantages, disadvantages, and risks involved of all the different strategies that you're welcome to sort of walk through and have a bit of a look at. I will just get those two tables updated for you with the balance just so that can be reflect... Reflected correctly, and I'll have this document resent out to you for signing later on. Is that okay?\n\nChannel 1: Yep. Sounds good. Thank you.\n\nChannel 0: Beautiful. Do either of you have any questions at the moment at all?\n\nChannel 1: No. No. No. It's\n\nChannel 0: No?\n\nChannel 1: all good.\n\nChannel 0: Oh oh, good. Essentially, how implementation will go is nice and easy. Once you're happy with the recommendations, we'll get you both to sign the document. You'll send... It'll come back to us automatically.\n\nAll we need to do now is the investments which within your so far so that we can, you know, change the the the menu in the back end and the investments that you're invested in. That's all that changes at the moment, and then we'll come back and review that. And then we'll do your normal annual review next year. We'll have a look at the... Either updated pension payments, what this...\n\nWhat Centrelink may have changed to, what your income drawdowns look like, and making sure that you're still on track to retire. And then we can update this if we need to. Worst case, if it's just a change in numbers, it could just be a simple record of advice, which would be nice and easy to update for you. But we'll review that section of it next year for you both. And if you find you wanna retire earlier, then we get to touch base on you.\n\nJust let me know, and I will come back and readjust everything for you. Is that okay?\n\nChannel 1: Yep. Sounds good. Thank\n\nChannel 0: Yep.\n\nChannel 1: you.\n\nChannel 0: Beautiful. Lovely. That is basically the entire document. There's nothing else to kind of mention except that you are an an ongoing client, so you pay the ongoing service fee for your both. It is 1.10% still this year.\n\nThere's no implementation fees for the advice. That's all part of what we do and part of the services we provide. And the last thing is just to thank you for the opportunity. I've really enjoyed putting this together for you. So thank you for allowing me the opportunity to help you\n\nChannel 1: Thank you.\n\nChannel 0: out. Not at all. I\n\nChannel 1: Must\n\nChannel 0: will let\n\nChannel 1: be\n\nChannel 0: you\n\nChannel 1: a\n\nChannel 0: both\n\nChannel 1: headache.\n\nChannel 0: go... Sorry.\n\nChannel 1: Must be a headache.\n\nChannel 0: No. Never. I really enjoy this, honestly. Feel free to take it back and have a bit of a read through it. What I'll do is I'll just get that little bit updated for you, and we'll resend the document out to you to sign.\n\nAnd then once you're happy to sign it, we'll get it back. Okay?\n\nChannel 1: Okay. So will one go to my personal email and one go to Frank's?\n\nChannel 0: Yeah. Yeah. So you'll get two new email links in there. Yeah.\n\nChannel 1: Or... Okay. Thank you.\n\nChannel 0: My pleasure. Thank you so much for your time. I hope you both have a lovely afternoon.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.028378400951623917}],"sentiment":"neutral","sentiment_score":0.028378400951623917,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Robin.","start":1.8399999,"end":2.48,"sentiment":"neutral","sentiment_score":0.13952860981225967},{"text":"It's Dana from Okie Financial.","start":2.48,"end":4.02,"sentiment":"neutral","sentiment_score":0.18802724182605743},{"text":"How are you this 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Frank?","start":27.825,"end":29.185,"sentiment":"neutral","sentiment_score":0.29140594601631165},{"text":"Good to hear your voice.","start":29.185,"end":30.404999,"sentiment":"neutral","sentiment_score":0.3227821946144104}],"sentiment":"neutral","sentiment_score":0.31421218315760296,"channel":0,"num_words":18,"start":18.225,"end":30.404999},{"sentences":[{"text":"Yeah.","start":30.89,"end":31.29,"sentiment":"neutral","sentiment_score":0.2503511309623718},{"text":"Good.","start":31.29,"end":31.69,"sentiment":"neutral","sentiment_score":0.32765060663223267},{"text":"Yeah.","start":31.69,"end":32.09,"sentiment":"neutral","sentiment_score":0.2819178104400635},{"text":"Good to me.","start":32.09,"end":32.91,"sentiment":"positive","sentiment_score":0.4311316907405853}],"sentiment":"positive","sentiment_score":0.3588857700427373,"channel":1,"num_words":6,"start":30.89,"end":32.91},{"sentences":[{"text":"Very 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longer.","start":536.90497,"end":555.04,"sentiment":"neutral","sentiment_score":0.038191519069428345},{"text":"So what I'll do is I will send you the statement of advice separately in another email, which will come through in a second.","start":555.66,"end":563.135,"sentiment":"neutral","sentiment_score":0.11670971754938364},{"text":"And then you'll be able to read it over with me.","start":565.195,"end":568.41504,"sentiment":"neutral","sentiment_score":0.13791968402537433}],"sentiment":"neutral","sentiment_score":0.06981884018014903,"channel":0,"num_words":87,"start":535.94495,"end":568.41504},{"sentences":[{"text":"And then when you've got some time later on, if you wanna review the email, you can...","start":568.555,"end":573.515,"sentiment":"neutral","sentiment_score":0.04564500244005638},{"text":"You'll be able to go back in.","start":573.515,"end":575.215,"sentiment":"neutral","sentiment_score":0.04359788421009268},{"text":"And then when 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get it up.","start":789.45,"end":790.89,"sentiment":"neutral","sentiment_score":-0.03649621301641067},{"text":"Okay?","start":790.89,"end":791.39,"sentiment":"neutral","sentiment_score":-0.00043782778084278107}],"sentiment":"neutral","sentiment_score":-0.05640300775044843,"channel":1,"num_words":19,"start":784.33,"end":791.39},{"sentences":[{"text":"Do you want me to email it to you again, Frank, into a different email so you've got a copy of it to look at in the emails?","start":795.825,"end":801.765,"sentiment":"neutral","sentiment_score":0.0035779556658651146},{"text":"It might be easier.","start":801.825,"end":802.805,"sentiment":"neutral","sentiment_score":-0.003959150053560734}],"sentiment":"neutral","sentiment_score":0.0026358174509368837,"channel":0,"num_words":32,"start":795.825,"end":802.805},{"sentences":[{"text":"Well, I can get it up, but I just...","start":803.675,"end":806.01495,"sentiment":"neutral","sentiment_score":-0.031330995054708585},{"text":"Yeah.","start":806.075,"end":806.315,"sentiment":"neutral","sentiment_score":-0.06538604199886322},{"text":"It's up now.","start":806.315,"end":807.115,"sentiment":"neutral","sentiment_score":-0.11860918253660202},{"text":"He's 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now?","start":807.98,"end":808.64,"sentiment":"neutral","sentiment_score":-0.031258138827979565},{"text":"Yep.","start":809.01996,"end":809.42,"sentiment":"neutral","sentiment_score":0.0028407983481884003},{"text":"That's okay.","start":809.42,"end":810.06,"sentiment":"neutral","sentiment_score":0.003679723187815398},{"text":"If if I go too fast, just tell me to stop.","start":810.06,"end":813.83997,"sentiment":"neutral","sentiment_score":-0.17964103817939758},{"text":"Yeah.","start":814.875,"end":815.375,"sentiment":"neutral","sentiment_score":-0.016073161736130714}],"sentiment":"neutral","sentiment_score":-0.12026121262597907,"channel":0,"num_words":17,"start":807.98,"end":815.375},{"sentences":[{"text":"Yeah.","start":815.22003,"end":815.38,"sentiment":"neutral","sentiment_score":-0.005029402673244476},{"text":"Well, that's ongoing services there.","start":815.38,"end":818.92,"sentiment":"neutral","sentiment_score":-1.9899569451808928e-6},{"text":"What page are we on?","start":822.58,"end":823.995,"sentiment":"neutral","sentiment_score":-0.004568636231124401},{"text":"Sorry.","start":824.15497,"end":824.65497,"sentiment":"neutral","sentiment_score":-0.04776006564497948}],"sentiment":"neutral","sentiment_score":-0.006303549938214322,"channel":1,"num_words":12,"start":815.22003,"end":824.65497},{"sentences":[{"text":"So we're on page number three.","start":824.315,"end":826.415,"sentiment":"neutral","sentiment_score":-0.021835543525715668}],"sentiment":"neutral","sentiment_score":-0.021835543525715668,"channel":0,"num_words":6,"start":824.315,"end":826.415},{"sentences":[{"text":"Gotta go right back.","start":831.355,"end":832.815,"sentiment":"neutral","sentiment_score":-0.008060422725975513}],"sentiment":"neutral","sentiment_score":-0.008060422725975513,"channel":1,"num_words":4,"start":831.355,"end":832.815},{"sentences":[{"text":"Yeah.","start":833.61,"end":834.11,"sentiment":"neutral","sentiment_score":0.01460616197437048}],"sentiment":"neutral","sentiment_score":0.01460616197437048,"channel":0,"num_words":1,"start":833.61,"end":834.11},{"sentences":[{"text":"Page number three.","start":842.41003,"end":843.29004,"sentiment":"neutral","sentiment_score":0.0135079858203729},{"text":"That's a table of","start":843.29004,"end":844.81,"sentiment":"neutral","sentiment_score":0.018352439859881997}],"sentiment":"neutral","sentiment_score":0.016276245271520957,"channel":1,"num_words":7,"start":842.41003,"end":844.81},{"sentences":[{"text":"That's...","start":844.74506,"end":845.24506,"sentiment":"neutral","sentiment_score":0.007161656394600868}],"sentiment":"neutral","sentiment_score":0.007161656394600868,"channel":0,"num_words":1,"start":844.74506,"end":845.24506},{"sentences":[{"text":"contents.","start":844.81,"end":845.31,"sentiment":"neutral","sentiment_score":0.02174817770719528}],"sentiment":"neutral","sentiment_score":0.02174817770719528,"channel":1,"num_words":1,"start":844.81,"end":845.31},{"sentences":[{"text":"Yep.","start":846.34503,"end":846.74506,"sentiment":"neutral","sentiment_score":0.07081326097249985},{"text":"So go down to page number four, and you'll have their scope of advice 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with this advice piece, we were looking at essentially looking at trying to derisk your portfolios a little bit.","start":860.14,"end":866.555,"sentiment":"neutral","sentiment_score":0.20604595877230167},{"text":"We had sort of noted some of the investments weren't performing as well when we did your risk profiling.","start":866.555,"end":872.015,"sentiment":"neutral","sentiment_score":-0.029317216065369155},{"text":"You both wanted to sort of look at trying to be about fifty fifty growth and defensive.","start":872.075,"end":876.075,"sentiment":"neutral","sentiment_score":0.1461797067347695},{"text":"So trying to be more balanced, taking on less risk in the market, and sort of looking after your super capital and trying to grow it in a way that you're able to access it.","start":876.075,"end":886.06,"sentiment":"neutral","sentiment_score":0.2536793252320162},{"text":"With Frank, you currently being on the age pension, and, Robin, you're still technically 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can.","start":946.42,"end":950.115,"sentiment":"neutral","sentiment_score":0.2092327636021834},{"text":"Okay?","start":950.115,"end":950.615,"sentiment":"neutral","sentiment_score":0.1295708566904068}],"sentiment":"neutral","sentiment_score":0.17866413965821265,"channel":0,"num_words":30,"start":942.42,"end":950.615},{"sentences":[{"text":"Yes.","start":951.495,"end":951.995,"sentiment":"neutral","sentiment_score":0.2530066668987274}],"sentiment":"neutral","sentiment_score":0.2530066668987274,"channel":1,"num_words":1,"start":951.495,"end":951.995},{"sentences":[{"text":"Excellent.","start":952.435,"end":952.915,"sentiment":"positive","sentiment_score":0.44205713272094727},{"text":"So I've scoped in for you both, your superannuation, looking at your super and the investments, and then I've also scoped in the income retirement aspect for you both because we are essentially fifteen months away from that.","start":952.915,"end":964.67,"sentiment":"neutral","sentiment_score":0.16522517604263207},{"text":"So it's only a very close time there.","start":964.67,"end":967.01,"sentiment":"neutral","sentiment_score":0.003397285472601652},{"text":"Okay?","start":967.07,"end":967.57,"sentiment":"neutral","sentiment_score":0.043039992451667786},{"text":"Areas that we're not considering as part of the advice at the moment is the funeral bond side of things.","start":969.39,"end":974.27,"sentiment":"neutral","sentiment_score":-0.05712048495188356}],"sentiment":"neutral","sentiment_score":0.08306503528729081,"channel":0,"num_words":68,"start":952.435,"end":974.27},{"sentences":[{"text":"So we talked about the money that you have sitting in a bank account that you were utilizing as a funeral expense or funeral cover.","start":974.27,"end":980.765,"sentiment":"neutral","sentiment_score":0.04107921749353409},{"text":"We talked about how that could be utilized down the track, and can also be 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one...","start":1087.675,"end":1089.035,"sentiment":"neutral","sentiment_score":0.10389159917831421}],"sentiment":"neutral","sentiment_score":0.18052607443597582,"channel":0,"num_words":9,"start":1084.395,"end":1089.035},{"sentences":[{"text":"The next page outlines your current super balances in Hub twenty four.","start":1089.035,"end":1093.115,"sentiment":"neutral","sentiment_score":0.040384391943613686},{"text":"So, Robin, at the moment, you're sitting at a $139,617.97 there.","start":1093.115,"end":1099.65,"sentiment":"neutral","sentiment_score":0.027447763745757667},{"text":"Frank, you're currently sitting at $88,801.47.","start":1099.89,"end":1104.31,"sentiment":"neutral","sentiment_score":0.02390129119157791},{"text":"Okay?","start":1104.4501,"end":1104.9501,"sentiment":"neutral","sentiment_score":0.04313233867287636}],"sentiment":"neutral","sentiment_score":0.03243593967830141,"channel":0,"num_words":30,"start":1089.035,"end":1104.9501},{"sentences":[{"text":"Yes, ma'am.","start":1105.7201,"end":1107.42,"sentiment":"neutral","sentiment_score":0.1601400002837181}],"sentiment":"neutral","sentiment_score":0.1601400002837181,"channel":1,"num_words":2,"start":1105.7201,"end":1107.42},{"sentences":[{"text":"Excellent.","start":1106.93,"end":1107.43,"sentiment":"positive","sentiment_score":0.39949607849121094},{"text":"The next page outlines your risk profile.","start":1107.73,"end":1109.89,"sentiment":"neutral","sentiment_score":0.0634530559182167},{"text":"So you both set and was that...","start":1109.89,"end":1112.4501,"sentiment":"neutral","sentiment_score":0.012341504916548729},{"text":"Will...","start":1112.4501,"end":1112.9501,"sentiment":"neutral","sentiment_score":0.003205475397408009},{"text":"Scored as a balanced investor.","start":1113.09,"end":1114.79,"sentiment":"neutral","sentiment_score":0.011600418388843537}],"sentiment":"neutral","sentiment_score":0.04720312246077117,"channel":0,"num_words":21,"start":1106.93,"end":1114.79},{"sentences":[{"text":"This is kinda...","start":1115.415,"end":1116.135,"sentiment":"neutral","sentiment_score":-0.0022989949211478233},{"text":"We talked about sitting at normally a sixty forty kinda split, but we wanted to look at more of a fifty fifty split between growth and defensive assets there.","start":1116.135,"end":1124.375,"sentiment":"neutral","sentiment_score":-0.03750363371238626},{"text":"You're wanting to look at getting it, you know, growth and making your super work a bit harder, but you also...","start":1124.375,"end":1129.41,"sentiment":"neutral","sentiment_score":-0.023178933277016596},{"text":"As you are closer to accessing super and, you know, retirement, that you wanted to also protect your super and look after your capital there.","start":1129.41,"end":1137.25,"sentiment":"neutral","sentiment_score":0.06442005652934313},{"text":"So we have looked at ways to be able to do that for you.","start":1137.25,"end":1140.63,"sentiment":"neutral","sentiment_score":0.09763602273804801}],"sentiment":"neutral","sentiment_score":0.015175497503546269,"channel":0,"num_words":92,"start":1115.415,"end":1140.63},{"sentences":[{"text":"Okay.","start":1141.8601,"end":1142.3601,"sentiment":"neutral","sentiment_score":0.1268755942583084}],"sentiment":"neutral","sentiment_score":0.1268755942583084,"channel":1,"num_words":1,"start":1141.8601,"end":1142.3601},{"sentences":[{"text":"Okay?","start":1142.5449,"end":1142.945,"sentiment":"neutral","sentiment_score":0.16197697818279266},{"text":"Excellent.","start":1142.945,"end":1143.445,"sentiment":"positive","sentiment_score":0.6266058683395386},{"text":"If I can get you to scroll down to page number 12 for me, yours might say 13.","start":1143.585,"end":1149.205,"sentiment":"neutral","sentiment_score":0.2137684631678793},{"text":"The heading there is Robin strategy recommendations.","start":1149.505,"end":1152.245,"sentiment":"neutral","sentiment_score":0.07916160513247762}],"sentiment":"neutral","sentiment_score":0.19224245998042602,"channel":0,"num_words":27,"start":1142.5449,"end":1152.245},{"sentences":[{"text":"Yep.","start":1153.595,"end":1154.095,"sentiment":"positive","sentiment_score":0.37895679473876953}],"sentiment":"positive","sentiment_score":0.37895679473876953,"channel":1,"num_words":1,"start":1153.595,"end":1154.095},{"sentences":[{"text":"Beautiful.","start":1154.7849,"end":1155.2849,"sentiment":"positive","sentiment_score":0.6558645367622375},{"text":"Now this is just running you through the recommendations.","start":1155.91,"end":1158.01,"sentiment":"positive","sentiment_score":0.39020748602019417},{"text":"I'll run through each of them for you.","start":1158.23,"end":1159.83,"sentiment":"neutral","sentiment_score":0.31537599489092827},{"text":"I'll give you a a brief outline of what I'm recommending as simply as possible.","start":1159.83,"end":1164.01,"sentiment":"neutral","sentiment_score":0.3287774920463562},{"text":"And then if you have any questions throughout, please let me know, and then I'll let you definitely go back and read them.","start":1164.79,"end":1170.39,"sentiment":"neutral","sentiment_score":0.20784316438695657}],"sentiment":"neutral","sentiment_score":0.2929070541369064,"channel":0,"num_words":56,"start":1154.7849,"end":1170.39},{"sentences":[{"text":"Okay?","start":1170.39,"end":1170.89,"sentiment":"neutral","sentiment_score":0.0962025821208954}],"sentiment":"neutral","sentiment_score":0.0962025821208954,"channel":0,"num_words":1,"start":1170.39,"end":1170.89},{"sentences":[{"text":"Yep.","start":1171.645,"end":1172.145,"sentiment":"neutral","sentiment_score":0.11922705173492432}],"sentiment":"neutral","sentiment_score":0.11922705173492432,"channel":1,"num_words":1,"start":1171.645,"end":1172.145},{"sentences":[{"text":"So, Robin, this is essentially for your super.","start":1171.8049,"end":1174.705,"sentiment":"neutral","sentiment_score":0.11327978037297726},{"text":"So what I am recommending is that we do retain hub 24 as a super platform.","start":1174.765,"end":1179.345,"sentiment":"neutral","sentiment_score":0.11800253600813448},{"text":"I did have a look at hub 24 as well as other platforms to make sure your super was working well for you.","start":1179.405,"end":1184.97,"sentiment":"neutral","sentiment_score":0.20904412574094275},{"text":"Retaining hub 24 is a suitable option because to sell down and move your money elsewhere is a lot more complex and would have made...","start":1185.45,"end":1193.3099,"sentiment":"neutral","sentiment_score":-0.06823907539248467},{"text":"Would have had a higher capital gains consequence.","start":1193.53,"end":1195.87,"sentiment":"neutral","sentiment_score":-0.1630734195932746}],"sentiment":"neutral","sentiment_score":0.05739661836996675,"channel":0,"num_words":80,"start":1171.8049,"end":1195.87},{"sentences":[{"text":"So one of the things I do look at is that your super, like you, does a tax return every year currently.","start":1196.33,"end":1202.325,"sentiment":"neutral","sentiment_score":-0.033933357928286896},{"text":"Essentially, whenever we buy and sell investments or make changes to your super platform, there are capital gains consequences for your super fund to take into account.","start":1202.945,"end":1212.565,"sentiment":"neutral","sentiment_score":-0.03258161136397609},{"text":"So in order to sell all of your investments down to cash and move your super to another platform, that means that your super fund would have had a capital gains consequence.","start":1213.08,"end":1222.0599,"sentiment":"neutral","sentiment_score":0.01989247731398791},{"text":"I didn't wanna obviously overcome make it over complex.","start":1223.08,"end":1226.7251,"sentiment":"neutral","sentiment_score":-0.024400630758868322},{"text":"There's no need to move out of Hub twenty four.","start":1226.785,"end":1228.8651,"sentiment":"neutral","sentiment_score":0.07565758675336838}],"sentiment":"neutral","sentiment_score":-0.004527079164981842,"channel":0,"num_words":100,"start":1196.33,"end":1228.8651},{"sentences":[{"text":"It still has a lot of different investment options.","start":1228.8651,"end":1231.4451,"sentiment":"neutral","sentiment_score":0.1985656221707662},{"text":"It essentially gives us access to more than a thousand different investment options, which is fantastic.","start":1231.5851,"end":1236.0851,"sentiment":"positive","sentiment_score":0.3646300844848156},{"text":"So retaining that platform was in your best interest.","start":1236.545,"end":1239.285,"sentiment":"neutral","sentiment_score":0.3159746941592958},{"text":"And, also, you guys are linked in the back end as well.","start":1239.47,"end":1241.71,"sentiment":"neutral","sentiment_score":0.11554169716934364},{"text":"So you're getting the family fee aggregation and things like that, which is also important.","start":1241.71,"end":1245.81,"sentiment":"neutral","sentiment_score":0.09221611271301905}],"sentiment":"neutral","sentiment_score":0.21696206976155766,"channel":0,"num_words":61,"start":1228.8651,"end":1245.81},{"sentences":[{"text":"Okay?","start":1246.11,"end":1246.61,"sentiment":"neutral","sentiment_score":0.0362495556473732}],"sentiment":"neutral","sentiment_score":0.0362495556473732,"channel":0,"num_words":1,"start":1246.11,"end":1246.61},{"sentences":[{"text":"Yep.","start":1247.375,"end":1247.85,"sentiment":"neutral","sentiment_score":0.04450768977403641}],"sentiment":"neutral","sentiment_score":0.04450768977403641,"channel":1,"num_words":1,"start":1247.375,"end":1247.85},{"sentences":[{"text":"Now what I am recommending, though, is that we do alter your super fund within Hub twenty four.","start":1248.1901,"end":1254.29,"sentiment":"neutral","sentiment_score":-0.0017744895344043875},{"text":"So, essentially, the super fund has different stages of the platform.","start":1254.645,"end":1258.665,"sentiment":"neutral","sentiment_score":0.00013569780540737192},{"text":"They have three tiers.","start":1259.125,"end":1260.5651,"sentiment":"neutral","sentiment_score":-0.0058799306862056255},{"text":"They have a a Hub 24 Discovery, which is the cheapest part of the platform and only has access to a few investments.","start":1260.5651,"end":1267.4651,"sentiment":"neutral","sentiment_score":0.006336013462556445},{"text":"We then also have Hub 24 core, which is the second tier.","start":1267.9099,"end":1271.59,"sentiment":"neutral","sentiment_score":0.1881808303296566}],"sentiment":"neutral","sentiment_score":0.034557800221912606,"channel":0,"num_words":68,"start":1248.1901,"end":1271.59},{"sentences":[{"text":"It's a little bit cheaper than the current option, and it gives us access to a few more investments.","start":1271.59,"end":1276.8099,"sentiment":"positive","sentiment_score":0.41010975210290207},{"text":"And then you have the full menu, which is choice, and that's where your super is at the moment.","start":1276.87,"end":1281.5751,"sentiment":"neutral","sentiment_score":0.21137525062812001},{"text":"That gives us access to over a thousand different investment options.","start":1281.5751,"end":1284.795,"sentiment":"neutral","sentiment_score":0.2342399297790094},{"text":"But that Hub 24 Choice menu is actually a little bit more expensive.","start":1285.175,"end":1289.675,"sentiment":"neutral","sentiment_score":-0.22133611142635345},{"text":"So what I'm recommending is when we retain your Hub 24, however, in the back end, we change you to a cheaper version of hub 24.","start":1289.9751,"end":1298.88,"sentiment":"neutral","sentiment_score":0.02451974991708994}],"sentiment":"neutral","sentiment_score":0.13801134464500303,"channel":0,"num_words":88,"start":1271.59,"end":1298.88},{"sentences":[{"text":"We're not selling or moving you out of anything.","start":1299.0199,"end":1301.5,"sentiment":"neutral","sentiment_score":-0.24874668940901756},{"text":"It's all done in the back end.","start":1301.5,"end":1302.7,"sentiment":"neutral","sentiment_score":0.05669122827904565},{"text":"This is the switch or a tickable...","start":1302.7,"end":1304.32,"sentiment":"neutral","sentiment_score":0.15521565505436488},{"text":"Tickable box, and we alter the platform and switch the menu in the back end for you.","start":1304.86,"end":1310.475,"sentiment":"neutral","sentiment_score":0.14447669290444431},{"text":"We're gonna move you down to the core menu over the choice because it's actually cheaper.","start":1310.475,"end":1314.655,"sentiment":"neutral","sentiment_score":0.28043215721845627}],"sentiment":"neutral","sentiment_score":0.11049368345577802,"channel":0,"num_words":56,"start":1299.0199,"end":1314.655},{"sentences":[{"text":"It's a lower cost in administration fees.","start":1315.035,"end":1317.9149,"sentiment":"positive","sentiment_score":0.4044360135282789},{"text":"It saves you about a $180 per year on administration fees.","start":1317.9149,"end":1322.875,"sentiment":"positive","sentiment_score":0.39807371117851953},{"text":"So it makes the platform cheaper for you.","start":1322.875,"end":1325.2949,"sentiment":"positive","sentiment_score":0.420826081186533},{"text":"Okay?","start":1325.355,"end":1325.855,"sentiment":"neutral","sentiment_score":0.05784882605075836}],"sentiment":"positive","sentiment_score":0.39386371826684036,"channel":0,"num_words":27,"start":1315.035,"end":1325.855},{"sentences":[{"text":"Sorry.","start":1326.635,"end":1327.135,"sentiment":"neutral","sentiment_score":-0.02436068095266819}],"sentiment":"neutral","sentiment_score":-0.02436068095266819,"channel":1,"num_words":1,"start":1326.635,"end":1327.135},{"sentences":[{"text":"Yes.","start":1327.8899,"end":1328.3899,"sentiment":"neutral","sentiment_score":0.022612247616052628}],"sentiment":"neutral","sentiment_score":0.022612247616052628,"channel":0,"num_words":1,"start":1327.8899,"end":1328.3899},{"sentences":[{"text":"I put $20 a week into that.","start":1328.555,"end":1331.695,"sentiment":"neutral","sentiment_score":0.009005582758358546}],"sentiment":"neutral","sentiment_score":0.009005582758358546,"channel":1,"num_words":7,"start":1328.555,"end":1331.695},{"sentences":[{"text":"Yep.","start":1332.21,"end":1332.71,"sentiment":"neutral","sentiment_score":0.04693247005343437}],"sentiment":"neutral","sentiment_score":0.04693247005343437,"channel":0,"num_words":1,"start":1332.21,"end":1332.71},{"sentences":[{"text":"Hub 24.","start":1333.115,"end":1333.995,"sentiment":"neutral","sentiment_score":0.029672635719180107},{"text":"Would that number change?","start":1333.995,"end":1335.455,"sentiment":"neutral","sentiment_score":0.008332576835528016}],"sentiment":"neutral","sentiment_score":0.01544592979674538,"channel":1,"num_words":6,"start":1333.115,"end":1335.455},{"sentences":[{"text":"No.","start":1335.97,"end":1336.37,"sentiment":"neutral","sentiment_score":-0.10174534469842912},{"text":"No.","start":1336.37,"end":1336.61,"sentiment":"neutral","sentiment_score":-0.11454613506793976},{"text":"That stays exactly the same.","start":1336.61,"end":1338.0499,"sentiment":"neutral","sentiment_score":-0.048672279715538024},{"text":"Everything on your side will look exactly the same as it does now.","start":1338.0499,"end":1341.885,"sentiment":"neutral","sentiment_score":0.1028075937468272},{"text":"It's just a switch in the back end of what we're using with the back end of the platform.","start":1341.965,"end":1347.025,"sentiment":"neutral","sentiment_score":0.062205635011196136}],"sentiment":"neutral","sentiment_score":0.0527885360404467,"channel":0,"num_words":39,"start":1335.97,"end":1347.025},{"sentences":[{"text":"So nothing changes for you.","start":1347.245,"end":1349.085,"sentiment":"neutral","sentiment_score":0.03225173354148865},{"text":"Your account number stays the same.","start":1349.085,"end":1350.765,"sentiment":"neutral","sentiment_score":0.12551786626378694},{"text":"You'll see your hub twenty four super fund exactly as you do now.","start":1350.765,"end":1354.44,"sentiment":"neutral","sentiment_score":0.24974642923245063},{"text":"Essentially, by changing the menu, it's just a tick of a box in the back end for us.","start":1354.7599,"end":1359.6399,"sentiment":"neutral","sentiment_score":0.11741643150647481},{"text":"We just get you to sign a change of menu form, and everything's kinda done in the back end for you to make the platform cheaper.","start":1359.6399,"end":1367.34,"sentiment":"neutral","sentiment_score":0.14402216357680467}],"sentiment":"neutral","sentiment_score":0.14734031566802194,"channel":0,"num_words":68,"start":1347.245,"end":1367.34},{"sentences":[{"text":"Does that make sense?","start":1367.3999,"end":1368.465,"sentiment":"neutral","sentiment_score":0.09207693859934807}],"sentiment":"neutral","sentiment_score":0.09207693859934807,"channel":0,"num_words":4,"start":1367.3999,"end":1368.465},{"sentences":[{"text":"Yes.","start":1369.1699,"end":1369.6699,"sentiment":"neutral","sentiment_score":0.16571485996246338}],"sentiment":"neutral","sentiment_score":0.16571485996246338,"channel":1,"num_words":1,"start":1369.1699,"end":1369.6699},{"sentences":[{"text":"Yeah.","start":1370.065,"end":1370.565,"sentiment":"neutral","sentiment_score":0.31692004203796387},{"text":"Beautiful.","start":1370.625,"end":1371.125,"sentiment":"positive","sentiment_score":0.5190272927284241},{"text":"Now once we change that menu, we're actually gonna change your investments as well.","start":1371.585,"end":1376.085,"sentiment":"neutral","sentiment_score":0.2073965748505933},{"text":"Now at the moment, within your super fund, you have a range of diversified investments.","start":1376.145,"end":1380.8049,"sentiment":"neutral","sentiment_score":0.15505978614091873},{"text":"You essentially have, like, the S and P 500.","start":1381.105,"end":1384.5901,"sentiment":"neutral","sentiment_score":0.13277498218748304}],"sentiment":"neutral","sentiment_score":0.18150927536189557,"channel":0,"num_words":40,"start":1370.065,"end":1384.5901},{"sentences":[{"text":"We have some Australian equities, but you can see all the individual investments noted there.","start":1384.5901,"end":1389.3301,"sentiment":"neutral","sentiment_score":0.11033207848668099},{"text":"What I'm recommending we actually do is change you and move you into our new investment product.","start":1389.4701,"end":1395.01,"sentiment":"neutral","sentiment_score":0.11782248082625515},{"text":"We have, in in combination with the BlackRock investment committee, set up an investment product called an SMA.","start":1395.4249,"end":1403.585,"sentiment":"neutral","sentiment_score":0.13938288390636444},{"text":"It's a separately managed account.","start":1403.585,"end":1405.365,"sentiment":"neutral","sentiment_score":0.13417042195796966},{"text":"So instead of you seeing your bank hybrids, your physical gold, your cybersecurity, your Asia, your S and P 500, all those investments individually, all you would see in your super fund is the SMA Grove, the investment product there.","start":1405.745,"end":1420.6599,"sentiment":"neutral","sentiment_score":0.16213385462760926}],"sentiment":"neutral","sentiment_score":0.14024275322689822,"channel":0,"num_words":95,"start":1384.5901,"end":1420.6599},{"sentences":[{"text":"The reason I'm moving you into this investment product is that it gives you more of a fifty fifty split.","start":1421.385,"end":1427.4651,"sentiment":"positive","sentiment_score":0.3806257665157318},{"text":"So with the way I looked at your super at the moment, you're in more of a balanced growth environment.","start":1427.4651,"end":1432.365,"sentiment":"positive","sentiment_score":0.37268193662166593},{"text":"So you're 70% invested in those growth assets like shares, property, commodities like gold and silver, and have about 30% in those low risk defensive investments.","start":1432.5851,"end":1443.04,"sentiment":"positive","sentiment_score":0.34285258043270844},{"text":"In order to reevaluate and derisk your portfolio to reduce the overall risk, moving you into this SMA product works really well.","start":1443.5,"end":1453.315,"sentiment":"positive","sentiment_score":0.5107405402443626},{"text":"Because it is managed by us as well as the BlackRock investment team, it means that we can make changes to the underlying investments for you smoother and easier.","start":1453.695,"end":1464.915,"sentiment":"positive","sentiment_score":0.5525854445736984}],"sentiment":"positive","sentiment_score":0.43796231565821886,"channel":0,"num_words":117,"start":1421.385,"end":1464.915},{"sentences":[{"text":"Essentially, it's reviewed every three months by the investment committee.","start":1465.76,"end":1469.2799,"sentiment":"neutral","sentiment_score":0.16087714731693267},{"text":"And where there are changes to the markets where there's high inflation, they can add an ultra investment so that it is working harder for you.","start":1469.2799,"end":1477.6799,"sentiment":"neutral","sentiment_score":0.14590833637003714},{"text":"Does that make sense?","start":1477.6799,"end":1478.82,"sentiment":"neutral","sentiment_score":0.18658217787742615}],"sentiment":"neutral","sentiment_score":0.15371792325749994,"channel":0,"num_words":40,"start":1465.76,"end":1478.82},{"sentences":[{"text":"Yep.","start":1479.425,"end":1479.925,"sentiment":"neutral","sentiment_score":0.1790577620267868}],"sentiment":"neutral","sentiment_score":0.1790577620267868,"channel":1,"num_words":1,"start":1479.425,"end":1479.925},{"sentences":[{"text":"Yep.","start":1480.48,"end":1480.98,"sentiment":"neutral","sentiment_score":0.22096841037273407},{"text":"It's also gonna reduce your risk level down from, say, 70% sitting in those growth assets to about 49% in those growth assets, keeping 51% in defensive exposure, things like cash, bonds, and fixed interest.","start":1481.255,"end":1495.275,"sentiment":"neutral","sentiment_score":0.23511749867882048},{"text":"So, essentially, this is giving you a little bit more protections.","start":1495.88,"end":1500.14,"sentiment":"neutral","sentiment_score":0.32707098668271845},{"text":"We can make changes in line with your risk capacity as well and make sure that the funds...","start":1500.4401,"end":1506.54,"sentiment":"neutral","sentiment_score":0.2154644454518954},{"text":"How you're invested is always working well, make changes as we need to.","start":1506.8401,"end":1511.435,"sentiment":"neutral","sentiment_score":0.3280663713812828}],"sentiment":"neutral","sentiment_score":0.2588600585093865,"channel":0,"num_words":78,"start":1480.48,"end":1511.435},{"sentences":[{"text":"One of the things that I do like a lot...","start":1511.435,"end":1513.115,"sentiment":"neutral","sentiment_score":0.16886972934007644},{"text":"A little bit about this product at the moment is that it currently has some inflationary protections.","start":1513.115,"end":1517.535,"sentiment":"neutral","sentiment_score":0.0042565999662174895},{"text":"So, essentially, what sorta happened this year is that because we have seen very high inflation in Australia and it has affected bonds, essentially, our investment committee with the BlackRock team, they met earlier this year.","start":1518.2351,"end":1532.2101,"sentiment":"neutral","sentiment_score":-0.10296486804468764},{"text":"They looked at that estimate product, and they went, hey.","start":1532.2101,"end":1535.01,"sentiment":"neutral","sentiment_score":0.009946943959221244},{"text":"We needed to put some inflationary protections in place.","start":1535.01,"end":1538.2301,"sentiment":"neutral","sentiment_score":-0.03724474459886551}],"sentiment":"neutral","sentiment_score":-0.02660254900707159,"channel":0,"num_words":82,"start":1511.435,"end":1538.2301},{"sentences":[{"text":"So they added some underlying investments in there to add that kind of inflationary protection into the product.","start":1538.465,"end":1544.725,"sentiment":"neutral","sentiment_score":0.24672797487841713},{"text":"By doing that, we didn't have to do updated advice and change anyone's investments.","start":1545.185,"end":1549.665,"sentiment":"neutral","sentiment_score":0.12261830004198211},{"text":"That was all done in the back end, And that just changes that SMA or that investment option on a regular basis to make sure that the funds within that are always working in the right direction, that it is essentially lowering overall risk, and that it is, you know, providing the right level of exposure.","start":1549.665,"end":1569.395,"sentiment":"positive","sentiment_score":0.3556695350312761},{"text":"Now that can be a little bit complex.","start":1569.775,"end":1571.7151,"sentiment":"neutral","sentiment_score":-0.17799260281026363},{"text":"Do you have any questions in relation to what that is or anything I've just gone through thus far, Robin?","start":1571.775,"end":1577.7151,"sentiment":"neutral","sentiment_score":-0.08692797925323248}],"sentiment":"neutral","sentiment_score":0.19752373536727552,"channel":0,"num_words":116,"start":1538.465,"end":1577.7151},{"sentences":[{"text":"I don't really understand this investment in that.","start":1579.3201,"end":1583.72,"sentiment":"negative","sentiment_score":-0.39254265651106834},{"text":"So I'll just","start":1583.72,"end":1584.6,"sentiment":"neutral","sentiment_score":-0.11850382387638092}],"sentiment":"neutral","sentiment_score":-0.3178047930652445,"channel":1,"num_words":11,"start":1579.3201,"end":1584.6},{"sentences":[{"text":"Yeah.","start":1584.56,"end":1585.06,"sentiment":"neutral","sentiment_score":-0.03239084407687187}],"sentiment":"neutral","sentiment_score":-0.03239084407687187,"channel":0,"num_words":1,"start":1584.56,"end":1585.06},{"sentences":[{"text":"go with whatever you recommend.","start":1584.6,"end":1586.38,"sentiment":"neutral","sentiment_score":0.010217549651861191}],"sentiment":"neutral","sentiment_score":0.010217549651861191,"channel":1,"num_words":5,"start":1584.6,"end":1586.38},{"sentences":[{"text":"Yep.","start":1586.8,"end":1587.28,"sentiment":"neutral","sentiment_score":0.14232005178928375},{"text":"That's okay.","start":1587.28,"end":1588.02,"sentiment":"neutral","sentiment_score":0.23794639110565186},{"text":"Let me take you through it a little bit easier to show you.","start":1588.3201,"end":1591.04,"sentiment":"neutral","sentiment_score":0.1974586695432663},{"text":"I'm gonna scroll down a couple of pages.","start":1591.04,"end":1593.14,"sentiment":"neutral","sentiment_score":0.09418923174962401},{"text":"Now if you can go forward for me just to page number 24 on your document, it might be 25.","start":1593.675,"end":1602.8151,"sentiment":"neutral","sentiment_score":0.057580539397895335}],"sentiment":"neutral","sentiment_score":0.11568864045495336,"channel":0,"num_words":44,"start":1586.8,"end":1602.8151},{"sentences":[{"text":"This will have the heading Robin recommended investment superannuation.","start":1603.1151,"end":1606.9751,"sentiment":"neutral","sentiment_score":0.09031032522519429}],"sentiment":"neutral","sentiment_score":0.09031032522519429,"channel":0,"num_words":9,"start":1603.1151,"end":1606.9751},{"sentences":[{"text":"Yep.","start":1613.32,"end":1613.82,"sentiment":"positive","sentiment_score":0.3462826609611511}],"sentiment":"positive","sentiment_score":0.3462826609611511,"channel":1,"num_words":1,"start":1613.32,"end":1613.82},{"sentences":[{"text":"Beautiful.","start":1614.69,"end":1615.19,"sentiment":"positive","sentiment_score":0.5520303249359131},{"text":"Now you'll see here it's got a bit of a table.","start":1615.81,"end":1618.29,"sentiment":"neutral","sentiment_score":0.23789211294867776},{"text":"There's a lot going on, and that's okay and understandable.","start":1618.29,"end":1621.19,"sentiment":"neutral","sentiment_score":0.15276735574007033},{"text":"The first...","start":1622.7351,"end":1623.295,"sentiment":"neutral","sentiment_score":0.03535427711904049},{"text":"The top column there and all the first column is basically what you currently have within your super fund at the moment.","start":1623.295,"end":1629.9551,"sentiment":"neutral","sentiment_score":0.061398775232109154}],"sentiment":"neutral","sentiment_score":0.13299997248079465,"channel":0,"num_words":46,"start":1614.69,"end":1629.9551},{"sentences":[{"text":"So you've got some bank hybrids.","start":1630.175,"end":1631.7151,"sentiment":"neutral","sentiment_score":0.06678894224266212},{"text":"You've got some physical gold.","start":1631.775,"end":1633.4751,"sentiment":"neutral","sentiment_score":0.06040509268641472},{"text":"Underneath that cybersecurity, some Asia exposure, some European exposure, the S and P five hundred, some Nasdaq, sorry, and some fixed interest, and then the Vanguard diversified index, and then the Benelon Australian Equities investment there.","start":1633.775,"end":1649.79,"sentiment":"neutral","sentiment_score":0.04099381668493152}],"sentiment":"neutral","sentiment_score":0.046351840798842144,"channel":0,"num_words":47,"start":1630.175,"end":1649.79},{"sentences":[{"text":"Yep.","start":1651.1849,"end":1651.6849,"sentiment":"neutral","sentiment_score":0.028411034494638443}],"sentiment":"neutral","sentiment_score":0.028411034494638443,"channel":1,"num_words":1,"start":1651.1849,"end":1651.6849},{"sentences":[{"text":"Now what we are essentially doing...","start":1651.605,"end":1653.365,"sentiment":"neutral","sentiment_score":-0.013890303981800875},{"text":"That's showing what you have currently in your super fund.","start":1653.365,"end":1656.265,"sentiment":"neutral","sentiment_score":-0.05332137942314148},{"text":"What we are recommending is that within your super fund, we will remove all of those investments.","start":1656.325,"end":1662.265,"sentiment":"neutral","sentiment_score":-0.10323943942785263},{"text":"Some of them will just be transferred.","start":1662.885,"end":1664.505,"sentiment":"neutral","sentiment_score":-0.10303560750825065},{"text":"Others will be sold off.","start":1664.805,"end":1666.2,"sentiment":"neutral","sentiment_score":-0.21950626969337464}],"sentiment":"neutral","sentiment_score":-0.09312014865378539,"channel":0,"num_words":45,"start":1651.605,"end":1666.2},{"sentences":[{"text":"So you won't see those anymore.","start":1666.6799,"end":1668.62,"sentiment":"neutral","sentiment_score":-0.12102609251936276},{"text":"At the very bottom, you've got the SMA growth, and that essentially shows that we're gonna transfer all those investments at the top into the bottom.","start":1669.0,"end":1677.98,"sentiment":"neutral","sentiment_score":0.13751792793090528},{"text":"So anything that's, you know, can be transferred in, anything that doesn't need to be held is gonna be sold off.","start":1678.6799,"end":1684.1951,"sentiment":"neutral","sentiment_score":0.07458038610361871},{"text":"And within your super fund, after we make this change, you'll see that.","start":1684.495,"end":1688.255,"sentiment":"neutral","sentiment_score":0.2030090712583982},{"text":"You'll see your hub 24.","start":1688.255,"end":1689.6951,"sentiment":"neutral","sentiment_score":0.24314238727092743}],"sentiment":"neutral","sentiment_score":0.11648348650672066,"channel":0,"num_words":71,"start":1666.6799,"end":1689.6951},{"sentences":[{"text":"You'll see SMA growth and your current balance.","start":1689.6951,"end":1692.5751,"sentiment":"neutral","sentiment_score":0.29916089214384556},{"text":"So this will be the new investment product.","start":1692.5751,"end":1694.675,"sentiment":"positive","sentiment_score":0.3333955593407154},{"text":"Inside that product, there is about 20 to 30 different other investment options.","start":1695.48,"end":1700.78,"sentiment":"neutral","sentiment_score":0.27061718702316284},{"text":"And by having this product, we can make changes to the investments for you to keep things working harder, to make sure that, you know, as markets change, that new investments are added to make sure it's working for you, and to help overall, you know, help reduce your overall risk level as well.","start":1701.24,"end":1720.9451,"sentiment":"positive","sentiment_score":0.42670244144068825},{"text":"One of the good things I do like about this SMA is that it use...","start":1721.09,"end":1724.95,"sentiment":"positive","sentiment_score":0.515919550259908}],"sentiment":"positive","sentiment_score":0.40162449117217747,"channel":0,"num_words":98,"start":1689.6951,"end":1724.95},{"sentences":[{"text":"It utilizes the BlackRock investment committee.","start":1725.01,"end":1728.21,"sentiment":"neutral","sentiment_score":0.2999560957153638},{"text":"They work with us through this, and they have an investment manager.","start":1728.21,"end":1732.21,"sentiment":"neutral","sentiment_score":0.27315745999415714},{"text":"They have economists, and they have a really cool supercomputer.","start":1732.21,"end":1735.11,"sentiment":"positive","sentiment_score":0.41506108045578005},{"text":"And that supercomputer looks at what, you know, is happening in the...","start":1736.015,"end":1739.935,"sentiment":"neutral","sentiment_score":0.2125000680486361},{"text":"Around the globe, what's happening in Australia, what's happening with investment markets, and it helps us to build portfolios that are lowering risk but that are also providing good, steady, long term gains.","start":1739.935,"end":1754.65,"sentiment":"positive","sentiment_score":0.4087878709489649}],"sentiment":"positive","sentiment_score":0.34614023913259373,"channel":0,"num_words":73,"start":1725.01,"end":1754.65},{"sentences":[{"text":"Now that is a lot.","start":1755.27,"end":1756.39,"sentiment":"positive","sentiment_score":0.3902564764022827},{"text":"Do you have any questions?","start":1756.39,"end":1757.67,"sentiment":"neutral","sentiment_score":0.10043058842420578},{"text":"I know it's a lot to take in.","start":1757.67,"end":1759.11,"sentiment":"neutral","sentiment_score":-0.02393677970394492},{"text":"I'm so sorry.","start":1759.11,"end":1760.01,"sentiment":"neutral","sentiment_score":-0.23362827797730765}],"sentiment":"neutral","sentiment_score":0.07433601202709335,"channel":0,"num_words":21,"start":1755.27,"end":1760.01},{"sentences":[{"text":"No.","start":1760.5449,"end":1760.7849,"sentiment":"neutral","sentiment_score":-0.2813529968261719},{"text":"It's okay.","start":1760.7849,"end":1761.5249,"sentiment":"neutral","sentiment_score":-0.1646490953862667}],"sentiment":"neutral","sentiment_score":-0.2035503958662351,"channel":1,"num_words":3,"start":1760.5449,"end":1761.5249},{"sentences":[{"text":"Yeah.","start":1762.31,"end":1762.81,"sentiment":"neutral","sentiment_score":-0.025419749319553375}],"sentiment":"neutral","sentiment_score":-0.025419749319553375,"channel":0,"num_words":1,"start":1762.31,"end":1762.81},{"sentences":[{"text":"Just just a question looking at that chart.","start":1762.3849,"end":1765.5249,"sentiment":"neutral","sentiment_score":-0.03664980293251574},{"text":"It's got...","start":1766.465,"end":1767.0249,"sentiment":"neutral","sentiment_score":-0.01578090898692608},{"text":"My balance is a 136, but I thought you said a 100 and","start":1767.0249,"end":1771.0249,"sentiment":"neutral","sentiment_score":-0.051406184068092935}],"sentiment":"neutral","sentiment_score":-0.043175679753008095,"channel":1,"num_words":23,"start":1762.3849,"end":1771.0249},{"sentences":[{"text":"Sure.","start":1770.995,"end":1771.495,"sentiment":"neutral","sentiment_score":-0.013940243050456049}],"sentiment":"neutral","sentiment_score":-0.013940243050456049,"channel":0,"num_words":1,"start":1770.995,"end":1771.495},{"sentences":[{"text":"39 payable.","start":1771.0249,"end":1772.325,"sentiment":"neutral","sentiment_score":-0.017378393094986677}],"sentiment":"neutral","sentiment_score":-0.017378393094986677,"channel":1,"num_words":2,"start":1771.0249,"end":1772.325},{"sentences":[{"text":"It...","start":1772.4349,"end":1772.9349,"sentiment":"neutral","sentiment_score":-0.017592256888747215},{"text":"Yeah.","start":1773.315,"end":1773.635,"sentiment":"neutral","sentiment_score":-0.010822972282767296},{"text":"It is.","start":1773.635,"end":1774.195,"sentiment":"neutral","sentiment_score":-0.018675164319574833},{"text":"That did there.","start":1774.195,"end":1774.835,"sentiment":"neutral","sentiment_score":-0.05109830324848493},{"text":"This hadn't quite been updated correctly.","start":1774.835,"end":1777.4,"sentiment":"neutral","sentiment_score":-0.18460611502329508}],"sentiment":"neutral","sentiment_score":-0.10205362751506843,"channel":0,"num_words":13,"start":1772.4349,"end":1777.4},{"sentences":[{"text":"We had to...","start":1777.78,"end":1778.42,"sentiment":"neutral","sentiment_score":-0.0552771786848704},{"text":"We did the document up the other day, and then it had to be updated again.","start":1778.42,"end":1782.02,"sentiment":"neutral","sentiment_score":-0.04220376000739634},{"text":"So it looks like that bit there hasn't been updated.","start":1782.02,"end":1784.76,"sentiment":"neutral","sentiment_score":-0.07855290770530701},{"text":"I can get that updated for you and reissue it.","start":1785.38,"end":1788.02,"sentiment":"neutral","sentiment_score":0.07103638425469398},{"text":"Sorry about that.","start":1788.02,"end":1789.0,"sentiment":"neutral","sentiment_score":-0.2857712010542552}],"sentiment":"neutral","sentiment_score":-0.04222786985337734,"channel":0,"num_words":42,"start":1777.78,"end":1789.0},{"sentences":[{"text":"This is small this is a small typo.","start":1789.805,"end":1792.145,"sentiment":"neutral","sentiment_score":-0.3139007203280926},{"text":"Yeah.","start":1793.965,"end":1794.465,"sentiment":"neutral","sentiment_score":-0.10105039179325104},{"text":"No.","start":1794.525,"end":1794.765,"sentiment":"neutral","sentiment_score":-0.17727334797382355},{"text":"It's okay.","start":1794.765,"end":1795.505,"sentiment":"neutral","sentiment_score":-0.07856662943959236},{"text":"Because it takes a few days to put the document together, and your balance is changing basically every day.","start":1795.805,"end":1801.5651,"sentiment":"neutral","sentiment_score":-0.08082503825426102}],"sentiment":"neutral","sentiment_score":-0.14459156413232127,"channel":0,"num_words":31,"start":1789.805,"end":1801.5651},{"sentences":[{"text":"Every time we go and update the document, we've gotta update all those little sections there.","start":1801.5651,"end":1805.9,"sentiment":"neutral","sentiment_score":-0.05437915027141571},{"text":"So it looks like that one's just being missed, but we can have that updated and have it reissued to you just to reconfirm.","start":1806.2001,"end":1811.66,"sentiment":"neutral","sentiment_score":0.029823852635066334},{"text":"But, yeah, your balance at the moment is at $13,961.08.","start":1812.2001,"end":1816.06,"sentiment":"neutral","sentiment_score":0.02288706982508302},{"text":"Okay?","start":1816.12,"end":1816.62,"sentiment":"neutral","sentiment_score":0.030231088399887085}],"sentiment":"neutral","sentiment_score":0.0020550557950913323,"channel":0,"num_words":51,"start":1801.5651,"end":1816.62},{"sentences":[{"text":"$61.08.","start":1817.275,"end":1818.415,"sentiment":"neutral","sentiment_score":0.02488524280488491}],"sentiment":"neutral","sentiment_score":0.02488524280488491,"channel":1,"num_words":1,"start":1817.275,"end":1818.415},{"sentences":[{"text":"Yeah.","start":1818.9751,"end":1819.4751,"sentiment":"neutral","sentiment_score":0.09576545655727386}],"sentiment":"neutral","sentiment_score":0.09576545655727386,"channel":0,"num_words":1,"start":1818.9751,"end":1819.4751},{"sentences":[{"text":"Yes.","start":1821.035,"end":1821.535,"sentiment":"positive","sentiment_score":0.3795648217201233}],"sentiment":"positive","sentiment_score":0.3795648217201233,"channel":1,"num_words":1,"start":1821.035,"end":1821.535},{"sentences":[{"text":"Beautiful.","start":1822.175,"end":1822.675,"sentiment":"positive","sentiment_score":0.7700454592704773},{"text":"Now that is a lot.","start":1823.295,"end":1824.415,"sentiment":"positive","sentiment_score":0.5067050933837891},{"text":"Do you have any questions?","start":1824.415,"end":1825.6951,"sentiment":"neutral","sentiment_score":0.07344909459352493},{"text":"Did you want me to break any of that down a little bit further for you?","start":1825.6951,"end":1829.775,"sentiment":"neutral","sentiment_score":0.058767825132235885},{"text":"Or","start":1829.775,"end":1830.275,"sentiment":"neutral","sentiment_score":-0.005652451887726784}],"sentiment":"neutral","sentiment_score":0.16448032676375338,"channel":0,"num_words":28,"start":1822.175,"end":1830.275},{"sentences":[{"text":"No.","start":1830.9551,"end":1831.1951,"sentiment":"neutral","sentiment_score":-0.05700094252824783},{"text":"It's fine.","start":1831.1951,"end":1832.015,"sentiment":"neutral","sentiment_score":0.00015741586685180664}],"sentiment":"neutral","sentiment_score":-0.018895370264848072,"channel":1,"num_words":3,"start":1830.9551,"end":1832.015},{"sentences":[{"text":"no.","start":1832.1,"end":1832.6,"sentiment":"neutral","sentiment_score":-0.02145763672888279},{"text":"That's okay.","start":1832.74,"end":1833.4601,"sentiment":"neutral","sentiment_score":0.12456429749727249},{"text":"I think what I kind of really wanted to look at for this was instead of giving you advice documents and going, hey.","start":1833.4601,"end":1838.8201,"sentiment":"neutral","sentiment_score":0.15881874153147574},{"text":"We're gonna buy this, sell this, move this, change this, to simplify your super fund for you.","start":1838.8201,"end":1844.2001,"sentiment":"neutral","sentiment_score":0.30022601958583384},{"text":"And this separately managed account, this investment product basically simplifies it for you.","start":1844.5801,"end":1850.395,"sentiment":"positive","sentiment_score":0.370304225729062}],"sentiment":"neutral","sentiment_score":0.2463982014451176,"channel":0,"num_words":56,"start":1832.1,"end":1850.395},{"sentences":[{"text":"Because instead of us giving you an advice document every time we need to make changes in your portfolio that says we're gonna buy this, sell this, change this, move this, rebalance this, and overcomplicate things.","start":1850.395,"end":1863.28,"sentiment":"neutral","sentiment_score":0.15431864145729277},{"text":"You're just looking at that SMA product and your balance.","start":1863.66,"end":1866.96,"sentiment":"neutral","sentiment_score":0.2436967149376869},{"text":"And inside that, our investment committee can make those changes for you.","start":1867.02,"end":1872.64,"sentiment":"neutral","sentiment_score":0.20331826930244765},{"text":"We can, you know, be having the meetings known, look, inflation might be high, or this investment should be here, or we need to look at investing in this market over here.","start":1872.78,"end":1882.115,"sentiment":"neutral","sentiment_score":0.15563004021532834},{"text":"And then in the back end, our investment committee can make those changes without having to come and overcomplicate the the investment conversation with you.","start":1882.255,"end":1893.48,"sentiment":"neutral","sentiment_score":0.17311850924044847}],"sentiment":"neutral","sentiment_score":0.17165549122930868,"channel":0,"num_words":115,"start":1850.395,"end":1893.48},{"sentences":[{"text":"Does that make sense?","start":1893.48,"end":1894.62,"sentiment":"neutral","sentiment_score":0.134075740352273}],"sentiment":"neutral","sentiment_score":0.134075740352273,"channel":0,"num_words":4,"start":1893.48,"end":1894.62},{"sentences":[{"text":"Yes.","start":1895.3099,"end":1895.8099,"sentiment":"neutral","sentiment_score":0.1701742708683014}],"sentiment":"neutral","sentiment_score":0.1701742708683014,"channel":1,"num_words":1,"start":1895.3099,"end":1895.8099},{"sentences":[{"text":"Yeah.","start":1896.36,"end":1896.86,"sentiment":"neutral","sentiment_score":0.24686262011528015},{"text":"It's about sort of making it more streamlined.","start":1897.24,"end":1899.5,"sentiment":"neutral","sentiment_score":0.30804064869880676},{"text":"The other thing I do like is because this has a lower risk level, you've kinda got that 49% growth and 51% defensive investments.","start":1899.7999,"end":1909.0449,"sentiment":"positive","sentiment_score":0.37794179469347},{"text":"It is lowering the risk from where you are at the moment, and you can be in this through those retirement years a little bit as well.","start":1909.9049,"end":1917.03,"sentiment":"positive","sentiment_score":0.416651858775704},{"text":"It is more of a conservative portfolio, which is important.","start":1917.03,"end":1920.1699,"sentiment":"positive","sentiment_score":0.34919933378696444}],"sentiment":"positive","sentiment_score":0.37890549153089526,"channel":0,"num_words":70,"start":1896.36,"end":1920.1699},{"sentences":[{"text":"And that was","start":1920.63,"end":1921.19,"sentiment":"neutral","sentiment_score":0.08129075293739636}],"sentiment":"neutral","sentiment_score":0.08129075293739636,"channel":0,"num_words":3,"start":1920.63,"end":1921.19},{"sentences":[{"text":"Yep.","start":1921.0801,"end":1921.5801,"sentiment":"neutral","sentiment_score":0.07381443679332733}],"sentiment":"neutral","sentiment_score":0.07381443679332733,"channel":1,"num_words":1,"start":1921.0801,"end":1921.5801},{"sentences":[{"text":"one of the things that we talked about was that you guys have built up your capital.","start":1921.19,"end":1925.03,"sentiment":"neutral","sentiment_score":0.052005052785663045},{"text":"Your balances are definitely lower than where we would normally like them to be at your age.","start":1925.03,"end":1929.27,"sentiment":"neutral","sentiment_score":-0.030509764219031614},{"text":"And that's understandable with, you know, there's a lot of things that have happened.","start":1929.27,"end":1932.455,"sentiment":"neutral","sentiment_score":-0.01617216957466943},{"text":"Soup has taken, you know, built up over time.","start":1932.455,"end":1935.0149,"sentiment":"neutral","sentiment_score":0.0017588827759027485},{"text":"It wasn't a big thing until the nineties.","start":1935.0149,"end":1937.575,"sentiment":"neutral","sentiment_score":0.04924143385142088}],"sentiment":"neutral","sentiment_score":0.008442629959720832,"channel":0,"num_words":65,"start":1921.19,"end":1937.575},{"sentences":[{"text":"It also wasn't compulsory for a long time there as well.","start":1937.575,"end":1940.715,"sentiment":"neutral","sentiment_score":0.04876552386717363},{"text":"But we just wanna make sure that, you know, your capital is being looked after, and it's been invested in a way that it can be altered and changed as it needs to be without the need to overcomplicate it for you.","start":1940.855,"end":1952.77,"sentiment":"neutral","sentiment_score":0.23188880422995203},{"text":"Does that make sense?","start":1952.77,"end":1953.99,"sentiment":"neutral","sentiment_score":0.1083123218268156}],"sentiment":"neutral","sentiment_score":0.1878771899562133,"channel":0,"num_words":57,"start":1937.575,"end":1953.99},{"sentences":[{"text":"Yep.","start":1955.15,"end":1955.65,"sentiment":"neutral","sentiment_score":0.04126795753836632},{"text":"We did have plans","start":1955.71,"end":1956.8301,"sentiment":"neutral","sentiment_score":-0.003626669757068157}],"sentiment":"neutral","sentiment_score":0.005352255702018738,"channel":1,"num_words":5,"start":1955.15,"end":1956.8301},{"sentences":[{"text":"Yeah.","start":1956.53,"end":1957.03,"sentiment":"neutral","sentiment_score":-0.02752506546676159}],"sentiment":"neutral","sentiment_score":-0.02752506546676159,"channel":0,"num_words":1,"start":1956.53,"end":1957.03},{"sentences":[{"text":"to have more money, but the mine","start":1956.8301,"end":1959.15,"sentiment":"neutral","sentiment_score":-0.10622453157390867}],"sentiment":"neutral","sentiment_score":-0.10622453157390867,"channel":1,"num_words":7,"start":1956.8301,"end":1959.15},{"sentences":[{"text":"Yeah.","start":1958.975,"end":1959.475,"sentiment":"neutral","sentiment_score":-0.1303984522819519}],"sentiment":"neutral","sentiment_score":-0.1303984522819519,"channel":0,"num_words":1,"start":1958.975,"end":1959.475},{"sentences":[{"text":"didn't stay open and then didn't reemploy Frank.","start":1959.15,"end":1962.67,"sentiment":"neutral","sentiment_score":-0.22799410857260227},{"text":"So and 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we will be okay.","start":1969.855,"end":1971.455,"sentiment":"positive","sentiment_score":0.4000095725059509},{"text":"We'll keep reviewing it and looking at it and just keep altering it.","start":1971.455,"end":1975.37,"sentiment":"neutral","sentiment_score":0.31697608874394345},{"text":"And that's what this advice piece is about.","start":1975.37,"end":1977.21,"sentiment":"positive","sentiment_score":0.3892323896288872},{"text":"It's showing you how we can kind of alter things so that you're able to lower risk, look after your capital, keep it moving, but also utilize it when you need to as 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22.","start":1991.005,"end":1998.125,"sentiment":"neutral","sentiment_score":0.10465765846046535},{"text":"It should be...","start":1998.125,"end":1999.185,"sentiment":"neutral","sentiment_score":0.04186437278985977},{"text":"The heading should say Robin fee comparison superannuation.","start":1999.23,"end":2002.21,"sentiment":"neutral","sentiment_score":0.03382073389366269}],"sentiment":"neutral","sentiment_score":0.0931264478713274,"channel":0,"num_words":34,"start":1990.045,"end":2002.21},{"sentences":[{"text":"Yep.","start":2004.325,"end":2004.825,"sentiment":"neutral","sentiment_score":0.2161753624677658}],"sentiment":"neutral","sentiment_score":0.2161753624677658,"channel":1,"num_words":1,"start":2004.325,"end":2004.825},{"sentences":[{"text":"Beautiful.","start":2006.11,"end":2006.61,"sentiment":"positive","sentiment_score":0.39014914631843567},{"text":"Now this is essentially the table showing you the difference in the recommendation 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4.77 on a yearly basis.","start":2031.65,"end":2040.31,"sentiment":"neutral","sentiment_score":0.1503170518712564},{"text":"Not as good as what we would realistically like, and you are taking a bit more risk to get a very low return.","start":2040.735,"end":2047.155,"sentiment":"negative","sentiment_score":-0.36042461058367853},{"text":"So I wanted to kind of look at making these changes for you.","start":2047.295,"end":2051.075,"sentiment":"neutral","sentiment_score":0.1272310740672625},{"text":"Now with the recommended column, which is the one next to it, it does show a difference in the balance, and that is because we are changing the investment.","start":2051.375,"end":2058.97,"sentiment":"neutral","sentiment_score":0.2146833665701079},{"text":"So we understand that your super fund, does have a capital gains consequence for for doing 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another","start":2084.115,"end":2084.9148,"sentiment":"neutral","sentiment_score":0.026034433394670486}],"sentiment":"neutral","sentiment_score":0.026034433394670486,"channel":1,"num_words":2,"start":2084.115,"end":2084.9148},{"sentences":[{"text":"Yeah.","start":2084.7102,"end":2085.2102,"sentiment":"neutral","sentiment_score":0.01607830822467804}],"sentiment":"neutral","sentiment_score":0.01607830822467804,"channel":0,"num_words":1,"start":2084.7102,"end":2085.2102},{"sentences":[{"text":"question.","start":2084.9148,"end":2085.4148,"sentiment":"neutral","sentiment_score":0.015370864421129228},{"text":"I","start":2085.9548,"end":2086.115,"sentiment":"neutral","sentiment_score":0.003471085801720619}],"sentiment":"neutral","sentiment_score":0.009420975111424923,"channel":1,"num_words":2,"start":2084.9148,"end":2086.115},{"sentences":[{"text":"Sure.","start":2086.07,"end":2086.57,"sentiment":"neutral","sentiment_score":0.025125356391072273}],"sentiment":"neutral","sentiment_score":0.025125356391072273,"channel":0,"num_words":1,"start":2086.07,"end":2086.57},{"sentences":[{"text":"put 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if...","start":2142.3499,"end":2143.8699,"sentiment":"neutral","sentiment_score":0.003384948087235292},{"text":"You're right.","start":2143.8699,"end":2144.2698,"sentiment":"neutral","sentiment_score":0.04875694029033184},{"text":"I'll just log in and see if it's come in for you as of yet.","start":2144.2698,"end":2147.25,"sentiment":"neutral","sentiment_score":0.031844524666666985},{"text":"It doesn't always happen quick.","start":2147.7898,"end":2149.5498,"sentiment":"neutral","sentiment_score":-0.13001644909381865},{"text":"You know, the government, they're happy to take money, but not happy to give it in a hurry.","start":2149.5498,"end":2153.49,"sentiment":"neutral","sentiment_score":-0.21441661732064354}],"sentiment":"neutral","sentiment_score":-0.08508891126383906,"channel":0,"num_words":46,"start":2142.3499,"end":2153.49},{"sentences":[{"text":"Yes.","start":2153.83,"end":2154.2302,"sentiment":"neutral","sentiment_score":-0.07499189674854279},{"text":"I probably won't give it 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you.","start":2227.18,"end":2233.58,"sentiment":"neutral","sentiment_score":0.17092777080833912},{"text":"Okay?","start":2233.58,"end":2234.08,"sentiment":"neutral","sentiment_score":0.10240031778812408}],"sentiment":"neutral","sentiment_score":0.2691380219658216,"channel":0,"num_words":75,"start":2207.4102,"end":2234.08},{"sentences":[{"text":"Beautiful.","start":2236.105,"end":2236.605,"sentiment":"neutral","sentiment_score":0.3308216333389282},{"text":"Now underneath that, you'll also see...","start":2236.665,"end":2239.5652,"sentiment":"neutral","sentiment_score":0.06750858419885238},{"text":"It doesn't look like it has come in yet.","start":2240.105,"end":2241.705,"sentiment":"neutral","sentiment_score":0.010090272149278058},{"text":"I'm just looking at the transactions.","start":2241.705,"end":2243.0051,"sentiment":"neutral","sentiment_score":0.03406045182297627},{"text":"So it doesn't look like the government co contribution has come in yet.","start":2243.225,"end":2247.0652,"sentiment":"neutral","sentiment_score":0.03321733497656309}],"sentiment":"neutral","sentiment_score":0.04179639010024922,"channel":0,"num_words":35,"start":2236.105,"end":2247.0652},{"sentences":[{"text":"So, hopefully, in the next few months, it'll appear automatically.","start":2247.0652,"end":2250.49,"sentiment":"neutral","sentiment_score":0.1137119933962822}],"sentiment":"neutral","sentiment_score":0.1137119933962822,"channel":0,"num_words":10,"start":2247.0652,"end":2250.49},{"sentences":[{"text":"That doesn't surprise me at all.","start":2251.545,"end":2253.645,"sentiment":"neutral","sentiment_score":0.10778897007306416}],"sentiment":"neutral","sentiment_score":0.10778897007306416,"channel":1,"num_words":6,"start":2251.545,"end":2253.645},{"sentences":[{"text":"Yeah.","start":2255.03,"end":2255.27,"sentiment":"neutral","sentiment_score":0.1894402801990509},{"text":"They're quick to take the money.","start":2255.27,"end":2256.55,"sentiment":"positive","sentiment_score":0.39722010989983875},{"text":"They're good to hold on to it, though, aren't they?","start":2256.55,"end":2258.73,"sentiment":"neutral","sentiment_score":0.2939198285341263}],"sentiment":"neutral","sentiment_score":0.32423289558466745,"channel":0,"num_words":17,"start":2255.03,"end":2258.73},{"sentences":[{"text":"Yep.","start":2258.9849,"end":2259.4849,"sentiment":"neutral","sentiment_score":0.07330092787742615}],"sentiment":"neutral","sentiment_score":0.07330092787742615,"channel":1,"num_words":1,"start":2258.9849,"end":2259.4849},{"sentences":[{"text":"Yeah.","start":2260.3098,"end":2260.8098,"sentiment":"neutral","sentiment_score":0.06700052320957184},{"text":"Now at the bottom of that, the investor profile, you'll see next to the...","start":2262.0051,"end":2265.945,"sentiment":"neutral","sentiment_score":0.0549836986299072},{"text":"In the recommended column, the balanced option.","start":2266.325,"end":2268.725,"sentiment":"neutral","sentiment_score":0.08643572351762227},{"text":"So this is moving you down from that balanced growth environment to balance.","start":2268.725,"end":2272.745,"sentiment":"neutral","sentiment_score":0.20926210169608778},{"text":"So lowering your risk, saving you on fees, but the newer SMA product has also performed better than your current super investments as well.","start":2272.8052,"end":2282.3298,"sentiment":"neutral","sentiment_score":0.3216524242113034}],"sentiment":"neutral","sentiment_score":0.20138793003003477,"channel":0,"num_words":59,"start":2260.3098,"end":2282.3298},{"sentences":[{"text":"So it's averaging 5.72%.","start":2282.39,"end":2285.0498,"sentiment":"neutral","sentiment_score":0.24151121824979782},{"text":"Essentially, that is a good conservative rate of return for this sort of environment, and getting that consistently over time can help for you...","start":2285.5898,"end":2294.005,"sentiment":"neutral","sentiment_score":0.2591911318401496},{"text":"You know, can help you to draw down the income that you do need.","start":2294.005,"end":2297.105,"sentiment":"neutral","sentiment_score":0.13098857498594693},{"text":"This portfolio can obtain a much greater return.","start":2297.2449,"end":2301.185,"sentiment":"neutral","sentiment_score":0.18780438043177128},{"text":"You know, we are gonna see years of negative returns and good returns and things like that.","start":2301.725,"end":2307.1,"sentiment":"neutral","sentiment_score":0.004929718725821551}],"sentiment":"neutral","sentiment_score":0.15830913953371903,"channel":0,"num_words":67,"start":2282.39,"end":2307.1},{"sentences":[{"text":"We just","start":2307.4001,"end":2307.8,"sentiment":"neutral","sentiment_score":0.10388967394828796}],"sentiment":"neutral","sentiment_score":0.10388967394828796,"channel":0,"num_words":2,"start":2307.4001,"end":2307.8},{"sentences":[{"text":"Yep.","start":2307.73,"end":2308.035,"sentiment":"neutral","sentiment_score":0.12767158448696136}],"sentiment":"neutral","sentiment_score":0.12767158448696136,"channel":1,"num_words":1,"start":2307.73,"end":2308.035},{"sentences":[{"text":"need to kinda keep monitoring it with you, seeing how it's performing, and watching your draw downs to make sure that you're always earning the income that you need, but that your super is, you know, performing and kicking along nicely as well.","start":2307.8,"end":2322.075,"sentiment":"neutral","sentiment_score":0.31547565342381945},{"text":"Okay?","start":2322.135,"end":2322.635,"sentiment":"neutral","sentiment_score":0.11236405372619628}],"sentiment":"neutral","sentiment_score":0.3108594807034189,"channel":0,"num_words":44,"start":2307.8,"end":2322.635},{"sentences":[{"text":"Yep.","start":2323.38,"end":2323.88,"sentiment":"neutral","sentiment_score":0.10616990178823472}],"sentiment":"neutral","sentiment_score":0.10616990178823472,"channel":1,"num_words":1,"start":2323.38,"end":2323.88},{"sentences":[{"text":"Beautiful.","start":2324.4548,"end":2324.9548,"sentiment":"neutral","sentiment_score":0.28836774826049805},{"text":"Do you have any questions about that table at all?","start":2325.015,"end":2327.755,"sentiment":"neutral","sentiment_score":0.08912387937307358}],"sentiment":"neutral","sentiment_score":0.10723695836283943,"channel":0,"num_words":11,"start":2324.4548,"end":2327.755},{"sentences":[{"text":"No.","start":2328.5798,"end":2329.0798,"sentiment":"neutral","sentiment_score":-0.0659869983792305}],"sentiment":"neutral","sentiment_score":-0.0659869983792305,"channel":1,"num_words":1,"start":2328.5798,"end":2329.0798},{"sentences":[{"text":"No?","start":2329.655,"end":2330.055,"sentiment":"neutral","sentiment_score":-0.024908261373639107},{"text":"Beautiful.","start":2330.055,"end":2330.555,"sentiment":"neutral","sentiment_score":0.06854432821273804},{"text":"Underneath that, you'll see there is a projection table.","start":2331.2798,"end":2334.48,"sentiment":"neutral","sentiment_score":0.042225124314427376},{"text":"I've only done one year of projections because you are essentially planning to retire next year.","start":2334.48,"end":2341.0598,"sentiment":"neutral","sentiment_score":0.023827985860407352},{"text":"I didn't wanna sort of show you too much.","start":2341.2,"end":2343.405,"sentiment":"neutral","sentiment_score":-0.06680131827791531}],"sentiment":"neutral","sentiment_score":0.005658280414839585,"channel":0,"num_words":36,"start":2329.655,"end":2343.405},{"sentences":[{"text":"So we're looking at, you know, making this change now so that when you retire next year, this is essentially looking at what the projected outcome shows.","start":2343.405,"end":2352.705,"sentiment":"neutral","sentiment_score":0.087609494311942},{"text":"You can sort of see by saving fees, by moving into the SMA product, and with your contributions there, it's only a difference of $52 for the year in the projected outcome of your balance, which is pretty good.","start":2353.085,"end":2365.48,"sentiment":"neutral","sentiment_score":0.1855656141654039}],"sentiment":"neutral","sentiment_score":0.14549265604353312,"channel":0,"num_words":66,"start":2343.405,"end":2365.48},{"sentences":[{"text":"Yeah.","start":2366.04,"end":2366.535,"sentiment":"neutral","sentiment_score":0.17296522855758667},{"text":"Yep.","start":2367.1748,"end":2367.6748,"sentiment":"neutral","sentiment_score":0.204040989279747}],"sentiment":"neutral","sentiment_score":0.18850310891866684,"channel":1,"num_words":2,"start":2366.04,"end":2367.6748},{"sentences":[{"text":"Yeah.","start":2367.3,"end":2367.8,"sentiment":"neutral","sentiment_score":0.3301316797733307},{"text":"Beautiful.","start":2368.34,"end":2368.84,"sentiment":"positive","sentiment_score":0.5816020965576172},{"text":"If we go down to the next page there, you'll see the annualized returns.","start":2372.7852,"end":2378.625,"sentiment":"neutral","sentiment_score":0.2403547614812851},{"text":"Now this is just showing you the difference between your current product and how it has performed versus the SMA when we look at twelve months, three years, and five years.","start":2378.625,"end":2388.9,"sentiment":"neutral","sentiment_score":0.11584457034064878},{"text":"So you can sort of see in that recommended...","start":2389.2,"end":2391.22,"sentiment":"neutral","sentiment_score":0.057405554172065526}],"sentiment":"neutral","sentiment_score":0.14972378759245789,"channel":0,"num_words":56,"start":2367.3,"end":2391.22},{"sentences":[{"text":"The the newer investment product has performed pretty well long term, and you can sort of see over three years it has potential for about 9%.","start":2391.52,"end":2401.055,"sentiment":"neutral","sentiment_score":0.2884325717504208},{"text":"So we use a five year rolling average with that 5.72 a because it gives a more conservative projected outcome.","start":2401.055,"end":2407.4768,"sentiment":"neutral","sentiment_score":0.17274835668504238},{"text":"But, realistically, this portfolio could perform much greater than that 5%.","start":2407.4768,"end":2408.445,"sentiment":"neutral","sentiment_score":0.2130774212154475},{"text":"Realistically, this portfolio could perform much greater than that 5%.","start":2409.0698,"end":2413.01,"sentiment":"neutral","sentiment_score":0.17754386439919473},{"text":"Okay?","start":2413.47,"end":2413.97,"sentiment":"neutral","sentiment_score":0.11040332168340684}],"sentiment":"neutral","sentiment_score":0.223292758797898,"channel":0,"num_words":68,"start":2391.52,"end":2413.97},{"sentences":[{"text":"Yeah.","start":2415.63,"end":2416.13,"sentiment":"neutral","sentiment_score":0.18903927505016327},{"text":"Beautiful.","start":2416.3499,"end":2416.8499,"sentiment":"positive","sentiment_score":0.40693730115890503},{"text":"Do you have any questions there, Robin?","start":2417.15,"end":2418.99,"sentiment":"neutral","sentiment_score":0.12318129518202373},{"text":"I know it can be a lot, and I'm so sorry.","start":2418.99,"end":2421.0898,"sentiment":"neutral","sentiment_score":-0.09920683909546245}],"sentiment":"neutral","sentiment_score":0.01834852062165737,"channel":0,"num_words":20,"start":2415.63,"end":2421.0898},{"sentences":[{"text":"Yep.","start":2421.5,"end":2421.6602,"sentiment":"neutral","sentiment_score":-0.022448664531111717},{"text":"No.","start":2421.6602,"end":2421.9001,"sentiment":"neutral","sentiment_score":-0.09460357576608658},{"text":"You're right.","start":2421.9001,"end":2422.54,"sentiment":"neutral","sentiment_score":-0.03267090208828449},{"text":"No.","start":2422.54,"end":2422.86,"sentiment":"neutral","sentiment_score":-0.06288574635982513},{"text":"It's all good.","start":2422.86,"end":2423.84,"sentiment":"neutral","sentiment_score":0.14045320947964987}],"sentiment":"neutral","sentiment_score":0.022009979700669646,"channel":1,"num_words":8,"start":2421.5,"end":2423.84},{"sentences":[{"text":"Thank","start":2424.1401,"end":2424.4602,"sentiment":"positive","sentiment_score":0.3839329183101654}],"sentiment":"positive","sentiment_score":0.3839329183101654,"channel":1,"num_words":1,"start":2424.1401,"end":2424.4602},{"sentences":[{"text":"Yep.","start":2424.1648,"end":2424.6648,"sentiment":"neutral","sentiment_score":0.2235282361507416}],"sentiment":"neutral","sentiment_score":0.2235282361507416,"channel":0,"num_words":1,"start":2424.1648,"end":2424.6648},{"sentences":[{"text":"you.","start":2424.4602,"end":2424.9602,"sentiment":"neutral","sentiment_score":0.2881931960582733}],"sentiment":"neutral","sentiment_score":0.2881931960582733,"channel":1,"num_words":1,"start":2424.4602,"end":2424.9602},{"sentences":[{"text":"Beautiful.","start":2424.7249,"end":2425.2249,"sentiment":"positive","sentiment_score":0.3719481527805328},{"text":"Now what I'll get you to do is we'll scroll down a little bit more, and we'll head down to page number...","start":2426.7249,"end":2433.065,"sentiment":"neutral","sentiment_score":0.05315148682248863},{"text":"Sorry.","start":2433.285,"end":2433.785,"sentiment":"neutral","sentiment_score":-0.027472857385873795}],"sentiment":"neutral","sentiment_score":0.0630753335620587,"channel":0,"num_words":24,"start":2424.7249,"end":2433.785},{"sentences":[{"text":"Alright.","start":2434.565,"end":2435.065,"sentiment":"neutral","sentiment_score":0.005457121878862381}],"sentiment":"neutral","sentiment_score":0.005457121878862381,"channel":1,"num_words":1,"start":2434.565,"end":2435.065},{"sentences":[{"text":"Number 30 on mine.","start":2435.8499,"end":2437.0498,"sentiment":"neutral","sentiment_score":0.007627962389960885},{"text":"So number 31 on yours, and this is Frank's sofa.","start":2437.0498,"end":2440.51,"sentiment":"neutral","sentiment_score":0.027247726917266846}],"sentiment":"neutral","sentiment_score":0.021642079909465144,"channel":0,"num_words":14,"start":2435.8499,"end":2440.51},{"sentences":[{"text":"Yep.","start":2442.32,"end":2442.82,"sentiment":"neutral","sentiment_score":0.11224522441625596}],"sentiment":"neutral","sentiment_score":0.11224522441625596,"channel":1,"num_words":1,"start":2442.32,"end":2442.82},{"sentences":[{"text":"Beautiful.","start":2443.5298,"end":2444.0298,"sentiment":"positive","sentiment_score":0.39421114325523376},{"text":"Beautiful.","start":2450.7449,"end":2451.2449,"sentiment":"positive","sentiment_score":0.33890509605407715}],"sentiment":"positive","sentiment_score":0.36655811965465546,"channel":0,"num_words":2,"start":2443.5298,"end":2451.2449},{"sentences":[{"text":"Today?","start":2455.255,"end":2455.755,"sentiment":"neutral","sentiment_score":0.1468254178762436}],"sentiment":"neutral","sentiment_score":0.1468254178762436,"channel":1,"num_words":1,"start":2455.255,"end":2455.755},{"sentences":[{"text":"Yep.","start":2456.505,"end":2456.9048,"sentiment":"neutral","sentiment_score":0.07970313727855682},{"text":"I can hear you both.","start":2456.9048,"end":2457.865,"sentiment":"neutral","sentiment_score":0.05399890020489693},{"text":"You still there?","start":2457.865,"end":2458.765,"sentiment":"neutral","sentiment_score":0.013947789246837297}],"sentiment":"neutral","sentiment_score":0.04350455622706148,"channel":0,"num_words":9,"start":2456.505,"end":2458.765},{"sentences":[{"text":"Yep.","start":2459.575,"end":2460.075,"sentiment":"neutral","sentiment_score":0.09633561223745346}],"sentiment":"neutral","sentiment_score":0.09633561223745346,"channel":1,"num_words":1,"start":2459.575,"end":2460.075},{"sentences":[{"text":"Beautiful.","start":2460.7449,"end":2461.2449,"sentiment":"neutral","sentiment_score":0.2897763252258301},{"text":"So, Frank, this one's basically yourself, and it did the exact same thing.","start":2461.785,"end":2465.55,"sentiment":"neutral","sentiment_score":0.12545614746900705},{"text":"I had a look at how your super was performing, looked at the different platforms, looking at how everything was structured now and with your current balance sitting in there.","start":2465.55,"end":2473.8901,"sentiment":"neutral","sentiment_score":0.07813351110865673},{"text":"Essentially, I am recommending again the exact same thing that we do, you know, essentially retain hub 24, but move you into that new SMA product that we've got available.","start":2474.59,"end":2486.085,"sentiment":"neutral","sentiment_score":0.12267113303144773},{"text":"Utilizing and making sure it's managed correctly, it, again, is reducing your risk level within the market there, and it's also giving...","start":2487.185,"end":2494.4102,"sentiment":"neutral","sentiment_score":0.20276836576786908}],"sentiment":"neutral","sentiment_score":0.1292265584731164,"channel":0,"num_words":96,"start":2460.7449,"end":2494.4102},{"sentences":[{"text":"You know, making sure that we can make changes to your super as as needed to make sure it's always working harder for you.","start":2494.47,"end":2500.57,"sentiment":"neutral","sentiment_score":0.034715359176819525},{"text":"Just because we're in this SMA product doesn't mean we need...","start":2500.71,"end":2503.51,"sentiment":"neutral","sentiment_score":-0.018110271119935947},{"text":"Don't need to review it.","start":2503.51,"end":2504.55,"sentiment":"neutral","sentiment_score":-0.06654748022556305},{"text":"We still need to review it with you to make sure it is working harder to make changes, And there might be a time where we, you know, reduce the risk even more essentially down the track, but we'll kinda keep reviewing it with you to see how comfortable you both are with this.","start":2504.55,"end":2517.955,"sentiment":"neutral","sentiment_score":0.03807713146562929},{"text":"Again, with yourself, Frank, it's just about retaining hub 24.","start":2518.8152,"end":2522.175,"sentiment":"neutral","sentiment_score":0.06841518692672252}],"sentiment":"neutral","sentiment_score":0.029245530819305435,"channel":0,"num_words":104,"start":2494.47,"end":2522.175},{"sentences":[{"text":"In the back end, we'll move you out of into the core product.","start":2522.175,"end":2525.43,"sentiment":"neutral","sentiment_score":0.06673386234503526},{"text":"It's just the back end switch of the actual product or the menu of Hub 24.","start":2525.43,"end":2530.17,"sentiment":"neutral","sentiment_score":0.0672547034919262}],"sentiment":"neutral","sentiment_score":0.06702122297780268,"channel":0,"num_words":29,"start":2522.175,"end":2530.17},{"sentences":[{"text":"Yes.","start":2530.17,"end":2530.67,"sentiment":"neutral","sentiment_score":0.14065861701965332}],"sentiment":"neutral","sentiment_score":0.14065861701965332,"channel":1,"num_words":1,"start":2530.17,"end":2530.67},{"sentences":[{"text":"And then we will complete the sale and the switching of your investments and move you into the Grove SMA or separately managed account as it's actually called.","start":2530.63,"end":2541.125,"sentiment":"neutral","sentiment_score":0.1475656804229532},{"text":"For yourself, Frank, your CDT consequence on this is expected to be 1300 and 17, so definitely lower than Robin's.","start":2541.905,"end":2550.1648,"sentiment":"neutral","sentiment_score":0.13025989793241025},{"text":"However, we are still saving on fees for that.","start":2551.05,"end":2553.9502,"sentiment":"neutral","sentiment_score":0.1979123072491752},{"text":"Okay?","start":2554.01,"end":2554.51,"sentiment":"neutral","sentiment_score":0.15028339624404907}],"sentiment":"neutral","sentiment_score":0.14945743399961242,"channel":0,"num_words":58,"start":2530.63,"end":2554.51},{"sentences":[{"text":"Yeah.","start":2555.075,"end":2555.3948,"sentiment":"neutral","sentiment_score":0.27362972497940063},{"text":"That's good.","start":2555.3948,"end":2556.1948,"sentiment":"positive","sentiment_score":0.4851910471916199},{"text":"Yeah.","start":2556.1948,"end":2556.6948,"sentiment":"positive","sentiment_score":0.3794217109680176}],"sentiment":"positive","sentiment_score":0.4058583825826645,"channel":1,"num_words":4,"start":2555.075,"end":2556.6948},{"sentences":[{"text":"Excellent.","start":2556.8901,"end":2557.3901,"sentiment":"positive","sentiment_score":0.5873009562492371},{"text":"If you can move down for me just to page number 38 a month, so 39 on yours, And this is your fee comparison table.","start":2557.85,"end":2567.725,"sentiment":"neutral","sentiment_score":0.1447078123688698}],"sentiment":"neutral","sentiment_score":0.16173062559503776,"channel":0,"num_words":26,"start":2556.8901,"end":2567.725},{"sentences":[{"text":"Alright.","start":2572.565,"end":2573.065,"sentiment":"neutral","sentiment_score":0.1533588021993637},{"text":"Yep.","start":2573.365,"end":2573.865,"sentiment":"neutral","sentiment_score":0.1590762585401535}],"sentiment":"neutral","sentiment_score":0.1562175303697586,"channel":1,"num_words":2,"start":2572.565,"end":2573.865},{"sentences":[{"text":"Yep.","start":2574.425,"end":2574.8252,"sentiment":"neutral","sentiment_score":0.2737811207771301},{"text":"Beautiful.","start":2574.8252,"end":2575.3252,"sentiment":"positive","sentiment_score":0.5436505079269409},{"text":"So we've got the current recommended there.","start":2575.945,"end":2578.29,"sentiment":"neutral","sentiment_score":0.23463861431394303},{"text":"So the current with your super balance sitting there at $8,880.01, and then we've also got your administration fees, investment fees, any other fees applicable there, your ongoing service fee.","start":2578.37,"end":2589.99,"sentiment":"neutral","sentiment_score":0.20016585811972618},{"text":"You're not paying in any contributions in currently, and there's no insurance premiums coming out.","start":2590.37,"end":2595.7148,"sentiment":"neutral","sentiment_score":0.17829359571139017}],"sentiment":"neutral","sentiment_score":0.20628299274378353,"channel":0,"num_words":54,"start":2574.425,"end":2595.7148},{"sentences":[{"text":"Looking at the way you are invested, it's, again, that balanced growth kind of environment there, and your portfolio has averaged about 4.10% over the past five years.","start":2595.9348,"end":2606.5999,"sentiment":"positive","sentiment_score":0.4141524354262011},{"text":"So with the recommended, we understand the CDT consequence is 1,317.","start":2607.0598,"end":2613.7998,"sentiment":"neutral","sentiment_score":0.06720493048090827},{"text":"That essentially means that after making the switch, we expect your balance to be at $87,004.84.","start":2614.42,"end":2620.905,"sentiment":"neutral","sentiment_score":0.14509735442698002},{"text":"We still understand there are administration fees and investment fees, but they are definitely cheaper.","start":2621.205,"end":2626.105,"sentiment":"neutral","sentiment_score":0.24257722397645315},{"text":"So the same as with Robin Super, by making the switch, we'll save you $215 for the year in administration fees, and then we'll also save another $100 in investment fees there.","start":2626.405,"end":2638.8801,"sentiment":"positive","sentiment_score":0.3613397032022476}],"sentiment":"neutral","sentiment_score":0.292731460393863,"channel":0,"num_words":102,"start":2595.9348,"end":2638.8801},{"sentences":[{"text":"So all up for the year, it's saving you about $315 in administration fees and investment fees as well, which is good.","start":2638.9402,"end":2646.675,"sentiment":"positive","sentiment_score":0.4976310743526979},{"text":"Okay.","start":2646.915,"end":2647.415,"sentiment":"positive","sentiment_score":0.3741629123687744},{"text":"Absolutely.","start":2650.0352,"end":2650.5352,"sentiment":"positive","sentiment_score":0.5051670074462891},{"text":"Definitely.","start":2650.915,"end":2651.415,"sentiment":"positive","sentiment_score":0.4716350436210632},{"text":"At the very bottom there, again, you're going going into that balanced portfolio over the balanced growth.","start":2653.635,"end":2658.835,"sentiment":"positive","sentiment_score":0.413784384727478}],"sentiment":"positive","sentiment_score":0.4603138842753002,"channel":0,"num_words":42,"start":2638.9402,"end":2658.835},{"sentences":[{"text":"So we're reducing our risk level within the market and adding those additional protections with the management side of things through the SMA there.","start":2658.835,"end":2666.68,"sentiment":"positive","sentiment_score":0.36432241027553874},{"text":"And this SMA has averaged 5.72%.","start":2666.9001,"end":2670.28,"sentiment":"neutral","sentiment_score":0.31860094765822095},{"text":"So that, when you look at it, can have more of a significant change for yourself because your CGT consequence is a little bit lower.","start":2670.34,"end":2678.305,"sentiment":"positive","sentiment_score":0.34220785200595855},{"text":"Your balance is a little bit lower as well.","start":2678.305,"end":2680.645,"sentiment":"neutral","sentiment_score":0.19786128732893202},{"text":"The projected outcome's a little bit better for yourself.","start":2681.025,"end":2683.765,"sentiment":"positive","sentiment_score":0.3590518666638268}],"sentiment":"neutral","sentiment_score":0.33181860573487737,"channel":0,"num_words":73,"start":2658.835,"end":2683.765},{"sentences":[{"text":"So we do expect you to be in front by that $222 over the next twelve months with this one.","start":2683.9048,"end":2691.1802,"sentiment":"positive","sentiment_score":0.3893625795841217},{"text":"So it's putting you in front, which is great.","start":2691.4001,"end":2693.82,"sentiment":"positive","sentiment_score":0.5774153537220426},{"text":"Okay?","start":2693.96,"end":2694.46,"sentiment":"neutral","sentiment_score":0.27714094519615173}],"sentiment":"positive","sentiment_score":0.44203769067923226,"channel":0,"num_words":30,"start":2683.9048,"end":2694.46},{"sentences":[{"text":"That's for sure.","start":2695.1548,"end":2696.115,"sentiment":"neutral","sentiment_score":0.2272845854361852}],"sentiment":"neutral","sentiment_score":0.2272845854361852,"channel":1,"num_words":3,"start":2695.1548,"end":2696.115},{"sentences":[{"text":"Yeah.","start":2695.72,"end":2696.22,"sentiment":"neutral","sentiment_score":0.1715661585330963}],"sentiment":"neutral","sentiment_score":0.1715661585330963,"channel":0,"num_words":1,"start":2695.72,"end":2696.22},{"sentences":[{"text":"Yep.","start":2696.115,"end":2696.615,"sentiment":"neutral","sentiment_score":0.18072526156902313}],"sentiment":"neutral","sentiment_score":0.18072526156902313,"channel":1,"num_words":1,"start":2696.115,"end":2696.615},{"sentences":[{"text":"Yeah.","start":2696.76,"end":2697.26,"sentiment":"neutral","sentiment_score":0.273424357175827},{"text":"Excellent.","start":2697.32,"end":2697.82,"sentiment":"positive","sentiment_score":0.4087161421775818},{"text":"And then on the next page there, we've got the recommended and the current portfolios.","start":2698.4402,"end":2702.3801,"sentiment":"neutral","sentiment_score":0.1876324087381363},{"text":"The returns, they are the same as above, but just showing you how they have performed side by side over the past twelve months, three years, and five years there for you.","start":2702.6,"end":2711.1548,"sentiment":"neutral","sentiment_score":0.2109122183173895},{"text":"Okay?","start":2711.1548,"end":2711.6548,"sentiment":"neutral","sentiment_score":0.12526224553585052}],"sentiment":"neutral","sentiment_score":0.20742159724235534,"channel":0,"num_words":50,"start":2696.76,"end":2711.6548},{"sentences":[{"text":"Excellent.","start":2713.875,"end":2714.375,"sentiment":"neutral","sentiment_score":0.2610914409160614},{"text":"Do you have any questions at all, Frank?","start":2714.6748,"end":2716.515,"sentiment":"neutral","sentiment_score":0.10208698641508818},{"text":"You're welcome to let me know if you do.","start":2716.515,"end":2718.375,"sentiment":"neutral","sentiment_score":0.1528818193409178}],"sentiment":"neutral","sentiment_score":0.13631798368361261,"channel":0,"num_words":18,"start":2713.875,"end":2718.375},{"sentences":[{"text":"No.","start":2719.615,"end":2720.0151,"sentiment":"neutral","sentiment_score":-0.14447224140167236},{"text":"It's not.","start":2720.0151,"end":2720.655,"sentiment":"neutral","sentiment_score":-0.20687001198530197},{"text":"I haven't enjoyed it.","start":2720.655,"end":2721.955,"sentiment":"neutral","sentiment_score":-0.2639632262289524},{"text":"This","start":2722.495,"end":2722.815,"sentiment":"neutral","sentiment_score":0.2144315242767334}],"sentiment":"neutral","sentiment_score":-0.17495420575141907,"channel":1,"num_words":8,"start":2719.615,"end":2722.815},{"sentences":[{"text":"Beautiful.","start":2722.66,"end":2723.16,"sentiment":"positive","sentiment_score":0.407258003950119}],"sentiment":"positive","sentiment_score":0.407258003950119,"channel":0,"num_words":1,"start":2722.66,"end":2723.16},{"sentences":[{"text":"is the","start":2722.815,"end":2723.375,"sentiment":"positive","sentiment_score":0.3558550179004669}],"sentiment":"positive","sentiment_score":0.3558550179004669,"channel":1,"num_words":2,"start":2722.815,"end":2723.375},{"sentences":[{"text":"Excellent.","start":2723.22,"end":2723.72,"sentiment":"positive","sentiment_score":0.3686959743499756}],"sentiment":"positive","sentiment_score":0.3686959743499756,"channel":0,"num_words":1,"start":2723.22,"end":2723.72},{"sentences":[{"text":"email address.","start":2723.375,"end":2724.595,"sentiment":"neutral","sentiment_score":0.21061363816261292}],"sentiment":"neutral","sentiment_score":0.21061363816261292,"channel":1,"num_words":2,"start":2723.375,"end":2724.595},{"sentences":[{"text":"I would definitely wanna make sure we kinda build on that.","start":2726.74,"end":2729.7998,"sentiment":"neutral","sentiment_score":0.28872389685023914},{"text":"I like a conservative projection so that we're not overestimating, but just making sure that we touch base with you and keep updating things to see how it's all going, keep monitoring it, and maybe do six monthly catch ups as well to sort of see how it's all tracking for you both as well.","start":2729.94,"end":2746.9949,"sentiment":"neutral","sentiment_score":0.23944272019646384},{"text":"Okay?","start":2746.9949,"end":2747.4949,"sentiment":"neutral","sentiment_score":0.09071603417396544}],"sentiment":"neutral","sentiment_score":0.24531385836316577,"channel":0,"num_words":67,"start":2726.74,"end":2747.4949},{"sentences":[{"text":"Yeah.","start":2749.165,"end":2749.405,"sentiment":"neutral","sentiment_score":0.0789237767457962},{"text":"Well,","start":2749.405,"end":2749.645,"sentiment":"neutral","sentiment_score":0.05968162417411804}],"sentiment":"neutral","sentiment_score":0.06930270045995712,"channel":1,"num_words":2,"start":2749.165,"end":2749.645},{"sentences":[{"text":"K.","start":2749.635,"end":2750.01,"sentiment":"neutral","sentiment_score":0.0531654953956604}],"sentiment":"neutral","sentiment_score":0.0531654953956604,"channel":0,"num_words":1,"start":2749.635,"end":2750.01},{"sentences":[{"text":"I'm I'm 70 in about four months' time.","start":2749.645,"end":2752.545,"sentiment":"neutral","sentiment_score":0.07140683755278587}],"sentiment":"neutral","sentiment_score":0.07140683755278587,"channel":1,"num_words":8,"start":2749.645,"end":2752.545},{"sentences":[{"text":"Excellent.","start":2752.41,"end":2752.91,"sentiment":"neutral","sentiment_score":0.3190672695636749},{"text":"Yes.","start":2754.09,"end":2754.59,"sentiment":"neutral","sentiment_score":0.16896945238113403},{"text":"Yes.","start":2754.73,"end":2755.23,"sentiment":"neutral","sentiment_score":0.10549725592136384},{"text":"Yes.","start":2755.53,"end":2756.03,"sentiment":"neutral","sentiment_score":0.1186266764998436},{"text":"I'll update that for you.","start":2756.41,"end":2757.77,"sentiment":"neutral","sentiment_score":0.06658755503594875}],"sentiment":"neutral","sentiment_score":0.11612204772730668,"channel":0,"num_words":9,"start":2752.41,"end":2757.77},{"sentences":[{"text":"Sorry about that.","start":2757.77,"end":2758.67,"sentiment":"neutral","sentiment_score":-0.14978675047556558},{"text":"It's...","start":2759.61,"end":2759.85,"sentiment":"neutral","sentiment_score":-0.0727885365486145},{"text":"It is it is protecting your whole one year away.","start":2759.85,"end":2762.33,"sentiment":"neutral","sentiment_score":-0.09014734029769897},{"text":"So...","start":2762.33,"end":2762.65,"sentiment":"neutral","sentiment_score":-0.02519751526415348},{"text":"Because you're nearly 70, realistically, in this this time next year, you'll be almost 71.","start":2762.65,"end":2769.315,"sentiment":"neutral","sentiment_score":-0.06974229166905085}],"sentiment":"neutral","sentiment_score":-0.08316513604174057,"channel":0,"num_words":30,"start":2757.77,"end":2769.315},{"sentences":[{"text":"But I don't want you to feel like I'm making you older than you really are.","start":2769.855,"end":2772.895,"sentiment":"negative","sentiment_score":-0.34002753160893917},{"text":"It's just more with the age you're turning.","start":2772.895,"end":2774.835,"sentiment":"neutral","sentiment_score":-0.21463355608284473},{"text":"Sorry about that.","start":2774.895,"end":2775.9548,"sentiment":"neutral","sentiment_score":-0.21681179602940878}],"sentiment":"neutral","sentiment_score":-0.28918312379607447,"channel":0,"num_words":27,"start":2769.855,"end":2775.9548},{"sentences":[{"text":"Well, he wasn't talking about that.","start":2776.6948,"end":2778.375,"sentiment":"neutral","sentiment_score":-0.08550186082720757},{"text":"He was just...","start":2778.375,"end":2779.1948,"sentiment":"neutral","sentiment_score":-0.06558155020078023},{"text":"Likes telling everyone he's nearly 70.","start":2779.815,"end":2782.075,"sentiment":"neutral","sentiment_score":-0.010857157409191132}],"sentiment":"neutral","sentiment_score":-0.051659917334715526,"channel":1,"num_words":15,"start":2776.6948,"end":2782.075},{"sentences":[{"text":"I'm glad you're proud of that.","start":2782.8901,"end":2784.99,"sentiment":"positive","sentiment_score":0.6351516544818878}],"sentiment":"positive","sentiment_score":0.6351516544818878,"channel":0,"num_words":6,"start":2782.8901,"end":2784.99},{"sentences":[{"text":"Especially when you didn't make it.","start":2786.79,"end":2788.33,"sentiment":"positive","sentiment_score":0.39650389552116394}],"sentiment":"positive","sentiment_score":0.39650389552116394,"channel":1,"num_words":6,"start":2786.79,"end":2788.33},{"sentences":[{"text":"You've done really well.","start":2790.855,"end":2792.135,"sentiment":"positive","sentiment_score":0.7126237899065018},{"text":"I want you to enjoy the rest of you.","start":2792.135,"end":2793.655,"sentiment":"positive","sentiment_score":0.6384084158473544},{"text":"You still got a lot of living to do.","start":2793.655,"end":2795.435,"sentiment":"positive","sentiment_score":0.505681680308448}],"sentiment":"positive","sentiment_score":0.597604819319465,"channel":0,"num_words":22,"start":2790.855,"end":2795.435},{"sentences":[{"text":"Yep.","start":2796.07,"end":2796.57,"sentiment":"neutral","sentiment_score":0.2106788754463196},{"text":"That's what I'm doing.","start":2796.71,"end":2797.93,"sentiment":"neutral","sentiment_score":0.24785438925027847}],"sentiment":"neutral","sentiment_score":0.24041928648948668,"channel":1,"num_words":5,"start":2796.07,"end":2797.93},{"sentences":[{"text":"Absolutely.","start":2799.575,"end":2800.075,"sentiment":"neutral","sentiment_score":0.30799341201782227},{"text":"The next page down is just basically a run over of the investment asset allocation there.","start":2801.735,"end":2808.5298,"sentiment":"neutral","sentiment_score":0.0962539033498615},{"text":"But if you go down to page number 42, you'll have the recommended investment table, and that is showing you, Frank, essentially what investments you have currently, how they will all be essentially either sold down or transferred.","start":2808.5298,"end":2821.625,"sentiment":"neutral","sentiment_score":0.07594479747900837},{"text":"So at the bottom of that table again, you'll just see you'll have 20 four exactly as it is now, but the investment you'll see is the growth, and you'll see your balance in 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this.","start":2840.78,"end":2845.335,"sentiment":"neutral","sentiment_score":-0.03214168403711584},{"text":"So I'll just go back and get my team to update that, and we'll resend it through to you later.","start":2845.815,"end":2850.4749,"sentiment":"neutral","sentiment_score":0.018034600000828505},{"text":"Okay?","start":2850.535,"end":2851.035,"sentiment":"neutral","sentiment_score":0.051313549280166626}],"sentiment":"neutral","sentiment_score":0.01108436075889546,"channel":0,"num_words":46,"start":2837.5,"end":2851.035},{"sentences":[{"text":"Okay.","start":2852.155,"end":2852.395,"sentiment":"neutral","sentiment_score":0.13908323645591736},{"text":"Thanks.","start":2852.395,"end":2852.635,"sentiment":"positive","sentiment_score":0.3938642144203186},{"text":"That's good.","start":2852.635,"end":2853.455,"sentiment":"positive","sentiment_score":0.491199254989624}],"sentiment":"positive","sentiment_score":0.378836490213871,"channel":1,"num_words":4,"start":2852.155,"end":2853.455},{"sentences":[{"text":"Beautiful.","start":2853.575,"end":2854.075,"sentiment":"positive","sentiment_score":0.6232823729515076},{"text":"Excellent.","start":2854.535,"end":2855.035,"sentiment":"positive","sentiment_score":0.5467138886451721},{"text":"Now if we kind of keep going on, I also wanted to have a little bit of a look at the retirement aspect.","start":2856.135,"end":2861.71,"sentiment":"neutral","sentiment_score":0.11157417200181795},{"text":"So this will be reviewed with you both as we get closer to it, and we'll do a review with you next year prior to you retiring there, Robin.","start":2861.71,"end":2871.01,"sentiment":"neutral","sentiment_score":0.08446890822258489},{"text":"But moving","start":2871.31,"end":2871.95,"sentiment":"neutral","sentiment_score":0.05228810757398605}],"sentiment":"neutral","sentiment_score":0.11232815662931118,"channel":0,"num_words":56,"start":2853.575,"end":2871.95},{"sentences":[{"text":"Yep.","start":2871.66,"end":2872.16,"sentiment":"neutral","sentiment_score":0.05161326751112938}],"sentiment":"neutral","sentiment_score":0.05161326751112938,"channel":1,"num_words":1,"start":2871.66,"end":2872.16},{"sentences":[{"text":"down to page number 44, you'll see here it's got Frank and Robin strategy recommendations, and this is about moving into that pension phase when you turn 60","start":2871.95,"end":2881.1648,"sentiment":"neutral","sentiment_score":0.08558038901537657}],"sentiment":"neutral","sentiment_score":0.08558038901537657,"channel":0,"num_words":28,"start":2871.95,"end":2881.1648},{"sentences":[{"text":"Mhmm.","start":2881.115,"end":2881.615,"sentiment":"neutral","sentiment_score":0.032627321779727936}],"sentiment":"neutral","sentiment_score":0.032627321779727936,"channel":1,"num_words":1,"start":2881.115,"end":2881.615},{"sentences":[{"text":"seven.","start":2881.1648,"end":2881.6648,"sentiment":"neutral","sentiment_score":0.0764102190732956},{"text":"Beautiful.","start":2884.4448,"end":2884.9448,"sentiment":"neutral","sentiment_score":0.0549355186522007},{"text":"So because this is essentially part of the short term, and we know that next year you'll be 67 in November, and your goal is to essentially retire there.","start":2885.2449,"end":2895.16,"sentiment":"neutral","sentiment_score":0.13762567667611714},{"text":"It was appropriate to factor this into the recommendations to sort of look at the Centrelink side of things, but also what the expected drawdown might look like or how much you'll need to drawdown to cover your living expenses to meet your goal.","start":2895.16,"end":2908.325,"sentiment":"neutral","sentiment_score":0.1059563122689724},{"text":"One of the things we sort of talked about was that between the both of you, you wanted to live on about $2,000 per fortnight.","start":2908.9448,"end":2915.525,"sentiment":"neutral","sentiment_score":0.04700161546468735}],"sentiment":"neutral","sentiment_score":0.09959608487784863,"channel":0,"num_words":100,"start":2881.1648,"end":2915.525},{"sentences":[{"text":"Is that still fairly accurate?","start":2915.665,"end":2917.2048,"sentiment":"neutral","sentiment_score":0.023516590148210524}],"sentiment":"neutral","sentiment_score":0.023516590148210524,"channel":0,"num_words":5,"start":2915.665,"end":2917.2048},{"sentences":[{"text":"Yeah.","start":2920.075,"end":2920.3948,"sentiment":"neutral","sentiment_score":0.02550337091088295},{"text":"Probably.","start":2920.3948,"end":2920.8948,"sentiment":"neutral","sentiment_score":0.026844333857297897},{"text":"But...","start":2921.1948,"end":2921.6948,"sentiment":"neutral","sentiment_score":-0.02313999831676483},{"text":"I mean, if we can live on less, that would be better.","start":2922.875,"end":2925.275,"sentiment":"neutral","sentiment_score":-0.10943755848954122},{"text":"But because the","start":2925.275,"end":2926.1548,"sentiment":"neutral","sentiment_score":0.038398378839095436}],"sentiment":"neutral","sentiment_score":-0.0649359921614329,"channel":1,"num_words":18,"start":2920.075,"end":2926.1548},{"sentences":[{"text":"Yep.","start":2926.04,"end":2926.54,"sentiment":"neutral","sentiment_score":0.02373126521706581}],"sentiment":"neutral","sentiment_score":0.02373126521706581,"channel":0,"num_words":1,"start":2926.04,"end":2926.54},{"sentences":[{"text":"pension, What's the pension these days?","start":2926.1548,"end":2928.49,"sentiment":"neutral","sentiment_score":0.011704370224227508}],"sentiment":"neutral","sentiment_score":0.011704370224227508,"channel":1,"num_words":6,"start":2926.1548,"end":2928.49},{"sentences":[{"text":"Well, it's actually just increased a little bit, and I'll show you what that is.","start":2928.76,"end":2932.7,"sentiment":"neutral","sentiment_score":0.09385875711838404},{"text":"Let's go down a little 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September.","start":2957.48,"end":2965.835,"sentiment":"neutral","sentiment_score":0.07731755062316854},{"text":"And when they need to be, they are indexed and increased to keep up with inflation.","start":2966.615,"end":2971.195,"sentiment":"neutral","sentiment_score":0.06992142647504807}],"sentiment":"neutral","sentiment_score":0.07809342650022913,"channel":0,"num_words":47,"start":2955.0,"end":2971.195},{"sentences":[{"text":"So this all has been updated very recently.","start":2971.9102,"end":2974.6501,"sentiment":"neutral","sentiment_score":0.1194210248067975},{"text":"So currently, the age pension is paying out 933 per person a fortnight.","start":2975.1902,"end":2981.85,"sentiment":"neutral","sentiment_score":0.10477293683932377},{"text":"So 1,866 per fortnight for the two of you as a combined, That's full age pension.","start":2982.07,"end":2988.415,"sentiment":"neutral","sentiment_score":0.12213224964216352},{"text":"And having a look at your assets both with the projected super balance and everything you've got noted, you are both essentially looking to be eligible for full age pension there, which is great.","start":2988.635,"end":2999.775,"sentiment":"neutral","sentiment_score":0.28069885557188706}],"sentiment":"neutral","sentiment_score":0.19458159804344177,"channel":0,"num_words":71,"start":2971.9102,"end":2999.775},{"sentences":[{"text":"Do you get less if you're a couple?","start":3001.365,"end":3003.305,"sentiment":"neutral","sentiment_score":-0.0915836775675416}],"sentiment":"neutral","sentiment_score":-0.0915836775675416,"channel":1,"num_words":8,"start":3001.365,"end":3003.305},{"sentences":[{"text":"No.","start":3004.27,"end":3004.5898,"sentiment":"neutral","sentiment_score":-0.2001068890094757},{"text":"No.","start":3004.5898,"end":3004.91,"sentiment":"neutral","sentiment_score":-0.1831533908843994},{"text":"You actually get more.","start":3004.91,"end":3006.05,"sentiment":"neutral","sentiment_score":-0.10645277798175812},{"text":"So the age pension, I actually have the single for you.","start":3006.27,"end":3011.89,"sentiment":"neutral","sentiment_score":0.05947059020400047},{"text":"Get that.","start":3019.525,"end":3020.265,"sentiment":"neutral","sentiment_score":0.07281255722045898}],"sentiment":"neutral","sentiment_score":-0.00048788342820970635,"channel":0,"num_words":19,"start":3004.27,"end":3020.265},{"sentences":[{"text":"So for a single person, the full is $1,237.70 per fortnight.","start":3025.9248,"end":3031.8699,"sentiment":"neutral","sentiment_score":0.04857811365615238}],"sentiment":"neutral","sentiment_score":0.04857811365615238,"channel":0,"num_words":11,"start":3025.9248,"end":3031.8699},{"sentences":[{"text":"You know how much Frank gets now because I work?","start":3034.325,"end":3037.065,"sentiment":"neutral","sentiment_score":0.019820846617221832}],"sentiment":"neutral","sentiment_score":0.019820846617221832,"channel":1,"num_words":10,"start":3034.325,"end":3037.065},{"sentences":[{"text":"How much is he getting at the moment?","start":3037.5298,"end":3039.39,"sentiment":"neutral","sentiment_score":-0.003485823981463909}],"sentiment":"neutral","sentiment_score":-0.003485823981463909,"channel":0,"num_words":8,"start":3037.5298,"end":3039.39},{"sentences":[{"text":"That's 700.","start":3039.9248,"end":3041.065,"sentiment":"neutral","sentiment_score":0.04963447526097298}],"sentiment":"neutral","sentiment_score":0.04963447526097298,"channel":1,"num_words":2,"start":3039.9248,"end":3041.065},{"sentences":[{"text":"Yeah.","start":3041.8499,"end":3042.3499,"sentiment":"neutral","sentiment_score":0.20709605515003204},{"text":"Well, it'll get easier.","start":3044.025,"end":3045.645,"sentiment":"positive","sentiment_score":0.36945731192827225},{"text":"It'll get better.","start":3045.7048,"end":3046.6848,"sentiment":"positive","sentiment_score":0.4136371413866679},{"text":"You're so close.","start":3047.305,"end":3048.285,"sentiment":"neutral","sentiment_score":0.1689174771308899},{"text":"Yeah.","start":3050.4248,"end":3050.825,"sentiment":"neutral","sentiment_score":0.024391165003180504}],"sentiment":"neutral","sentiment_score":0.2880816936182479,"channel":0,"num_words":12,"start":3041.8499,"end":3050.825},{"sentences":[{"text":"But, no, honestly, look, having a look at everything, I did go back and we had a look at the the availability there.","start":3050.825,"end":3056.105,"sentiment":"neutral","sentiment_score":0.01116296648979187},{"text":"You're both going to...","start":3056.105,"end":3057.56,"sentiment":"neutral","sentiment_score":0.010571467923000455},{"text":"You...","start":3057.56,"end":3057.8801,"sentiment":"neutral","sentiment_score":0.0007815565913915634},{"text":"With what we can see and project out, we'll be under the threshold there.","start":3057.8801,"end":3061.8801,"sentiment":"neutral","sentiment_score":0.09905628859996796},{"text":"So eligible for full age pension, which essentially gives you that 1,866 per fortnight.","start":3061.8801,"end":3067.66,"sentiment":"neutral","sentiment_score":0.1796246756400381}],"sentiment":"neutral","sentiment_score":0.07502409208765519,"channel":0,"num_words":56,"start":3050.825,"end":3067.66},{"sentences":[{"text":"Now the other thing that we wanted to look at was how to supplement that because you talked about how, realistically, you need about $1,000 a week to live, so $2,000 per fortnight.","start":3068.44,"end":3077.905,"sentiment":"neutral","sentiment_score":0.12899442965334112},{"text":"So what we've also made a recommendation on for both of you is that as of you retiring and turning 67, Robin, we will move both of you into pension phase.","start":3078.605,"end":3092.5198,"sentiment":"neutral","sentiment_score":0.28783762983737454},{"text":"Moving you both into pension phase within the hub 24, we'll keep you in that estimate, and we'll review this prior to because, you know, prior to you actually retiring in November next year or earlier than that, the Centrelink age pension is also gonna be reviewed twice.","start":3094.3398,"end":3110.395,"sentiment":"neutral","sentiment_score":0.23921792255714536},{"text":"So it may go up in value, which means you may not have to draw anything out of your super, which means we can change the strategy.","start":3110.395,"end":3116.4949,"sentiment":"neutral","sentiment_score":0.3220442301697201},{"text":"But right now, looking at where we're projecting out, with the current age pension eligibility, we need to draw a little bit out of your super to supplement the age pension side of things.","start":3117.03,"end":3127.61,"sentiment":"neutral","sentiment_score":0.10317854758571177}],"sentiment":"neutral","sentiment_score":0.2130954209176791,"channel":0,"num_words":173,"start":3068.44,"end":3127.61},{"sentences":[{"text":"Based on your two current balances, you are both gonna have to draw the minimum pension payment.","start":3128.6301,"end":3133.735,"sentiment":"neutral","sentiment_score":0.004043036962256712},{"text":"Essentially, with the eighteen eighteen sixty six on a fortnightly basis, you only really need to draw essentially a bit over...","start":3134.195,"end":3143.175,"sentiment":"neutral","sentiment_score":0.04123979239236741},{"text":"Bit under $200 to kind of, you know, cover you.","start":3143.235,"end":3146.935,"sentiment":"neutral","sentiment_score":0.0018928546458482742},{"text":"But withdrawing the the minimum...","start":3147.77,"end":3150.83,"sentiment":"neutral","sentiment_score":-0.032522885501384734},{"text":"Withdraw the minimum pension payment out from your super on a yearly basis.","start":3151.13,"end":3155.95,"sentiment":"neutral","sentiment_score":0.011506309302953573}],"sentiment":"neutral","sentiment_score":0.014252475886182352,"channel":0,"num_words":66,"start":3128.6301,"end":3155.95},{"sentences":[{"text":"Essentially, Robin, for yourself, it will actually only be $275.04 per fortnight or 7,000 for the year.","start":3156.65,"end":3165.965,"sentiment":"neutral","sentiment_score":0.1308472454547882},{"text":"Okay?","start":3166.425,"end":3166.925,"sentiment":"neutral","sentiment_score":0.0451197512447834}],"sentiment":"neutral","sentiment_score":0.12608460688756573,"channel":0,"num_words":18,"start":3156.65,"end":3166.925},{"sentences":[{"text":"So what page is that on?","start":3167.75,"end":3169.27,"sentiment":"neutral","sentiment_score":-0.025646379838387173},{"text":"Sorry.","start":3169.27,"end":3169.77,"sentiment":"neutral","sentiment_score":-0.11463307589292526}],"sentiment":"neutral","sentiment_score":-0.03835876498903547,"channel":1,"num_words":7,"start":3167.75,"end":3169.77},{"sentences":[{"text":"Oh, that's okay.","start":3170.2651,"end":3171.145,"sentiment":"neutral","sentiment_score":0.0009047513206799825},{"text":"You're right.","start":3171.145,"end":3171.7852,"sentiment":"neutral","sentiment_score":0.08928990364074707},{"text":"I'm just scrolling back.","start":3171.7852,"end":3173.21,"sentiment":"neutral","sentiment_score":-0.0576950004324317},{"text":"Sorry.","start":3173.27,"end":3173.75,"sentiment":"neutral","sentiment_score":-0.1410146802663803},{"text":"My computer's having a bit of a moment.","start":3173.75,"end":3175.69,"sentiment":"neutral","sentiment_score":-0.17196866124868393}],"sentiment":"neutral","sentiment_score":-0.08701388393011358,"channel":0,"num_words":18,"start":3170.2651,"end":3175.69},{"sentences":[{"text":"I had to keep...","start":3175.91,"end":3177.45,"sentiment":"neutral","sentiment_score":-0.05639746878296137},{"text":"It's on page 46.","start":3178.15,"end":3180.17,"sentiment":"neutral","sentiment_score":-0.010363279841840267}],"sentiment":"neutral","sentiment_score":-0.03338037431240082,"channel":0,"num_words":8,"start":3175.91,"end":3180.17},{"sentences":[{"text":"Yep.","start":3181.165,"end":3181.665,"sentiment":"neutral","sentiment_score":0.03659135103225708},{"text":"Yep.","start":3183.19,"end":3183.69,"sentiment":"neutral","sentiment_score":0.04918896779417992}],"sentiment":"neutral","sentiment_score":0.0428901594132185,"channel":1,"num_words":2,"start":3181.165,"end":3183.69},{"sentences":[{"text":"Yeah.","start":3183.27,"end":3183.77,"sentiment":"neutral","sentiment_score":0.06617850065231323},{"text":"And you'll see a little table there.","start":3184.335,"end":3186.355,"sentiment":"neutral","sentiment_score":0.04545705446175167},{"text":"So, essentially, you've both wanted to between you'd be able to have that 2,000 per fortnight, which gives you $52,000 a year for living by drawing out the minimum.","start":3186.655,"end":3197.2349,"sentiment":"neutral","sentiment_score":0.12051345973179259},{"text":"And as at your age, 67, you...","start":3197.295,"end":3199.775,"sentiment":"neutral","sentiment_score":0.008896000882876771},{"text":"At the moment, it's a 5% minimum that you have to draw out of your account based pension within Super.","start":3199.775,"end":3205.28,"sentiment":"neutral","sentiment_score":0.012607377115637064}],"sentiment":"neutral","sentiment_score":0.06552637129061623,"channel":0,"num_words":64,"start":3183.27,"end":3205.28},{"sentences":[{"text":"So it means that based on the projected balance, you'll have to draw $7,151.04 per year.","start":3205.82,"end":3212.88,"sentiment":"neutral","sentiment_score":0.02418147004209459},{"text":"That equates to a regular fortnightly drawdown of $275.04.","start":3213.055,"end":3218.915,"sentiment":"neutral","sentiment_score":0.02558235606799523},{"text":"That plus your age pension entitlement of 933 is expected to give you $1,208.04 per fortnight just for yourself there.","start":3219.375,"end":3231.0598,"sentiment":"neutral","sentiment_score":0.07125910148024558},{"text":"Okay?","start":3231.0598,"end":3231.5598,"sentiment":"neutral","sentiment_score":0.05065096169710159}],"sentiment":"neutral","sentiment_score":0.04549951557798878,"channel":0,"num_words":46,"start":3205.82,"end":3231.5598},{"sentences":[{"text":"Yes.","start":3232.3352,"end":3232.8352,"sentiment":"neutral","sentiment_score":0.08950842916965485}],"sentiment":"neutral","sentiment_score":0.08950842916965485,"channel":1,"num_words":1,"start":3232.3352,"end":3232.8352},{"sentences":[{"text":"Frank, your ascent drawdown is a little bit lower.","start":3234.18,"end":3238.04,"sentiment":"neutral","sentiment_score":-0.15528214557303321},{"text":"I'm just scrolling down.","start":3239.22,"end":3240.8398,"sentiment":"neutral","sentiment_score":-0.029232092201709747},{"text":"If you can go to page number 55 for me, this has got your little table showing your expected drawdown.","start":3240.98,"end":3247.705,"sentiment":"neutral","sentiment_score":0.012685439083725214}],"sentiment":"neutral","sentiment_score":-0.03820481506938284,"channel":0,"num_words":33,"start":3234.18,"end":3247.705},{"sentences":[{"text":"Yep.","start":3250.86,"end":3251.36,"sentiment":"neutral","sentiment_score":0.11986585706472395},{"text":"Yep.","start":3252.06,"end":3252.56,"sentiment":"neutral","sentiment_score":0.2632655203342438}],"sentiment":"neutral","sentiment_score":0.19156568869948387,"channel":1,"num_words":2,"start":3250.86,"end":3252.56},{"sentences":[{"text":"Beautiful.","start":3252.325,"end":3252.825,"sentiment":"positive","sentiment_score":0.6721541881561279},{"text":"Beautiful.","start":3253.285,"end":3253.785,"sentiment":"positive","sentiment_score":0.6637106537818909},{"text":"So with this one here, based on your projected balance, as at the time that Robin's retiring, rather about the age 67 mark, we're looking at drawing down again.","start":3254.72,"end":3265.44,"sentiment":"neutral","sentiment_score":0.12336298682052514},{"text":"It's 5% minimum based on your age, and it's essentially a $170 per fortnight for yourself or based on your balance, 4,421 for the year.","start":3265.44,"end":3275.655,"sentiment":"neutral","sentiment_score":0.12357851207256317},{"text":"Again, adding that to your age pension entitlement of $933 per fortnight essentially gives you $1,103.07.","start":3275.795,"end":3285.64,"sentiment":"neutral","sentiment_score":0.1472405199892819}],"sentiment":"neutral","sentiment_score":0.14387086918577552,"channel":0,"num_words":72,"start":3252.325,"end":3285.64},{"sentences":[{"text":"All up, this is essentially giving you both an income for the year between Centrelink and a...","start":3286.42,"end":3292.42,"sentiment":"neutral","sentiment_score":0.17265771504710703},{"text":"And your account based pension of $60,088.79.","start":3292.42,"end":3298.145,"sentiment":"neutral","sentiment_score":0.07620789323534284}],"sentiment":"neutral","sentiment_score":0.1445265170186758,"channel":0,"num_words":24,"start":3286.42,"end":3298.145},{"sentences":[{"text":"Okay.","start":3300.17,"end":3300.67,"sentiment":"neutral","sentiment_score":0.2579145133495331}],"sentiment":"neutral","sentiment_score":0.2579145133495331,"channel":1,"num_words":1,"start":3300.17,"end":3300.67},{"sentences":[{"text":"So it's a little over $8,000 above your required income of $52,000 a year.","start":3301.005,"end":3308.305,"sentiment":"neutral","sentiment_score":0.3049063416463988},{"text":"I do like that because it gives you a buffer.","start":3308.84,"end":3311.82,"sentiment":"positive","sentiment_score":0.6376873612403869},{"text":"We know living expenses increase.","start":3311.8801,"end":3313.82,"sentiment":"neutral","sentiment_score":0.26829610764980316},{"text":"We might wanna take holidays.","start":3313.8801,"end":3315.26,"sentiment":"neutral","sentiment_score":0.27424064576625823},{"text":"You can put that extra little bit of money away, you know, take a trip or whatever you need to do.","start":3315.32,"end":3320.535,"sentiment":"positive","sentiment_score":0.367715196950095}],"sentiment":"positive","sentiment_score":0.3832775508815592,"channel":0,"num_words":55,"start":3301.005,"end":3320.535},{"sentences":[{"text":"But it does give you a little bit of that $8,000 extra per year just as a bit of a buffer there and allows you to have a little bit of extra.","start":3320.615,"end":3329.835,"sentiment":"positive","sentiment_score":0.42827562615275383}],"sentiment":"positive","sentiment_score":0.42827562615275383,"channel":0,"num_words":32,"start":3320.615,"end":3329.835},{"sentences":[{"text":"Yep.","start":3330.53,"end":3331.03,"sentiment":"neutral","sentiment_score":-0.01621086150407791}],"sentiment":"neutral","sentiment_score":-0.01621086150407791,"channel":1,"num_words":1,"start":3330.53,"end":3331.03},{"sentences":[{"text":"I do like the idea of drawing smaller amounts out on a fortnightly basis rather than lump sums over the course of the year as well because your income and capital growth can can help with the drawdown.","start":3330.615,"end":3342.0198,"sentiment":"positive","sentiment_score":0.5514053867051476},{"text":"So taking smaller amounts out on a regular basis, a, replenishes your income to what you need, but also has less than...","start":3342.0798,"end":3350.2952,"sentiment":"positive","sentiment_score":0.3468336361375722},{"text":"Can have less of an effect on your super rather than a big lump sum, essentially, if that makes sense.","start":3350.2952,"end":3355.3552,"sentiment":"neutral","sentiment_score":0.11058281511068344}],"sentiment":"positive","sentiment_score":0.3849425124004483,"channel":0,"num_words":80,"start":3330.615,"end":3355.3552},{"sentences":[{"text":"Yeah.","start":3355.555,"end":3356.055,"sentiment":"neutral","sentiment_score":0.18709158897399905}],"sentiment":"neutral","sentiment_score":0.18709158897399905,"channel":1,"num_words":1,"start":3355.555,"end":3356.055},{"sentences":[{"text":"Yeah.","start":3357.0952,"end":3357.5952,"sentiment":"neutral","sentiment_score":0.23325535655021667},{"text":"So when I sort of work this out per fortnight, so that $60,088.79, it actually equates to giving you both a combined income of $2,311 per fortnight.","start":3357.8152,"end":3371.7998,"sentiment":"positive","sentiment_score":0.37513935897085404},{"text":"So just over that $2,000 mark, giving you a little bit of an income buffer.","start":3371.8599,"end":3376.775,"sentiment":"positive","sentiment_score":0.37453297674655917},{"text":"Okay?","start":3376.915,"end":3377.415,"sentiment":"neutral","sentiment_score":0.12255309522151948}],"sentiment":"positive","sentiment_score":0.3659674044359814,"channel":0,"num_words":44,"start":3357.0952,"end":3377.415},{"sentences":[{"text":"Yep.","start":3378.195,"end":3378.695,"sentiment":"neutral","sentiment_score":0.28103649616241455}],"sentiment":"neutral","sentiment_score":0.28103649616241455,"channel":1,"num_words":1,"start":3378.195,"end":3378.695},{"sentences":[{"text":"Beautiful.","start":3379.315,"end":3379.815,"sentiment":"positive","sentiment_score":0.5831817388534546},{"text":"Now the other reason I am recommending that at that time we move you both into pension phase is that pension phase, whilst you are required to draw down a minimum income payment, which at the moment is needed to boost your income for your required expenditure, it's also a tax free environment.","start":3380.195,"end":3398.47,"sentiment":"neutral","sentiment_score":0.257234199710612},{"text":"So at the moment, your supers are in the accumulation phase.","start":3398.77,"end":3402.21,"sentiment":"neutral","sentiment_score":0.26591992378234863},{"text":"It's where we're accumulating wealth.","start":3402.21,"end":3404.15,"sentiment":"neutral","sentiment_score":0.2370273143053055},{"text":"That phase of super is taxable.","start":3404.675,"end":3406.935,"sentiment":"neutral","sentiment_score":0.2694062093893687}],"sentiment":"neutral","sentiment_score":0.26241167517084824,"channel":0,"num_words":76,"start":3379.315,"end":3406.935},{"sentences":[{"text":"So your super fund pays capital gains tax.","start":3407.395,"end":3410.035,"sentiment":"neutral","sentiment_score":0.30855368077754974},{"text":"It also pays income tax.","start":3410.035,"end":3411.975,"sentiment":"neutral","sentiment_score":0.22190099954605103},{"text":"When we move into that pension phase completely and you're fully retired, that phase is completely tax free for your super fund.","start":3412.435,"end":3420.53,"sentiment":"positive","sentiment_score":0.4124500101262873},{"text":"Your super fund no longer pays income tax or capital gains tax on changes within your investments there.","start":3420.53,"end":3426.71,"sentiment":"positive","sentiment_score":0.4195152372121811},{"text":"So that is a positive thing as well, tax free environment.","start":3426.77,"end":3430.31,"sentiment":"positive","sentiment_score":0.7151314453645186}],"sentiment":"positive","sentiment_score":0.4385867943055928,"channel":0,"num_words":64,"start":3407.395,"end":3430.31},{"sentences":[{"text":"That sounds good.","start":3431.165,"end":3432.7852,"sentiment":"positive","sentiment_score":0.5893573462963104}],"sentiment":"positive","sentiment_score":0.5893573462963104,"channel":1,"num_words":3,"start":3431.165,"end":3432.7852},{"sentences":[{"text":"Yeah.","start":3433.325,"end":3433.7249,"sentiment":"neutral","sentiment_score":0.0934036523103714},{"text":"Do you...","start":3433.7249,"end":3434.285,"sentiment":"neutral","sentiment_score":0.04153390973806381},{"text":"Either of you have any questions?","start":3434.285,"end":3435.645,"sentiment":"neutral","sentiment_score":0.01900474090750019},{"text":"I know this can be a lot.","start":3435.645,"end":3436.9248,"sentiment":"neutral","sentiment_score":0.015008513682654925},{"text":"You're welcome to let me know.","start":3436.9248,"end":3438.545,"sentiment":"neutral","sentiment_score":0.12887652963399887}],"sentiment":"neutral","sentiment_score":0.05312812230973081,"channel":0,"num_words":22,"start":3433.325,"end":3438.545},{"sentences":[{"text":"No.","start":3440.125,"end":3440.625,"sentiment":"neutral","sentiment_score":-0.057132914662361145},{"text":"So do we both have to be pension age before we get...","start":3441.165,"end":3449.07,"sentiment":"neutral","sentiment_score":-0.06960174534469843},{"text":"We change over?","start":3449.07,"end":3450.1301,"sentiment":"neutral","sentiment_score":-0.059680454432964325}],"sentiment":"neutral","sentiment_score":-0.0669622013811022,"channel":1,"num_words":16,"start":3440.125,"end":3450.1301},{"sentences":[{"text":"No.","start":3451.34,"end":3451.58,"sentiment":"neutral","sentiment_score":-0.13109515607357025},{"text":"So, realistically, Frank can move now.","start":3451.58,"end":3454.8,"sentiment":"neutral","sentiment_score":-0.11049902997910976},{"text":"We did talk about that last time, and he kinda wanted to not because once he moves into that pension phase, you have to draw down a minimum every year.","start":3455.1,"end":3463.525,"sentiment":"neutral","sentiment_score":-0.17793193012475966},{"text":"So they they force you to take money out.","start":3464.065,"end":3466.4849,"sentiment":"negative","sentiment_score":-0.3769850300418006},{"text":"We talked about that last time, and Frank decided he wanted to hold off until you were ready to retire and move into that pension phase then.","start":3467.185,"end":3475.525,"sentiment":"neutral","sentiment_score":-0.15461074698854377}],"sentiment":"neutral","sentiment_score":-0.18766305039394393,"channel":0,"num_words":73,"start":3451.34,"end":3475.525},{"sentences":[{"text":"Yep.","start":3476.1501,"end":3476.6501,"sentiment":"neutral","sentiment_score":-0.040213823318481445}],"sentiment":"neutral","sentiment_score":-0.040213823318481445,"channel":1,"num_words":1,"start":3476.1501,"end":3476.6501},{"sentences":[{"text":"If he changes his mind and wants too early, you absolutely can.","start":3476.21,"end":3479.73,"sentiment":"neutral","sentiment_score":0.15058170134822527},{"text":"It's just that, yeah, you do have to draw down a minimum...","start":3479.73,"end":3482.47,"sentiment":"neutral","sentiment_score":0.03172435432982942},{"text":"A balance from your super every year to meet that pension requirement.","start":3482.8499,"end":3486.5498,"sentiment":"neutral","sentiment_score":0.0566833425934116},{"text":"So if you don't need to do it yet, keeping it as it is is preferable, and then we move into pension phase.","start":3487.41,"end":3493.615,"sentiment":"neutral","sentiment_score":0.08198555251178534},{"text":"Yeah.","start":3493.615,"end":3493.855,"sentiment":"neutral","sentiment_score":0.12229824811220168}],"sentiment":"neutral","sentiment_score":0.08126397891901434,"channel":0,"num_words":60,"start":3476.21,"end":3493.855},{"sentences":[{"text":"Keep it growing as much as possible, and then we move into pension phase next 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good.","start":3505.16,"end":3505.5598,"sentiment":"neutral","sentiment_score":0.13584110140800476},{"text":"And, Robin, look, you 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67.","start":3507.0,"end":3508.1199,"sentiment":"neutral","sentiment_score":0.02540105301886797},{"text":"We've sort of made mention '67 is when you were, you know, wanting to retire.","start":3508.1199,"end":3511.96,"sentiment":"neutral","sentiment_score":0.029812247181932133},{"text":"But as I said, we'll do a review with you next year prior to that.","start":3511.96,"end":3515.3398,"sentiment":"neutral","sentiment_score":0.04418091600139936},{"text":"If anything changes, if you wanna retire beforehand, that's absolutely fine.","start":3515.64,"end":3519.8198,"sentiment":"neutral","sentiment_score":0.07664199444380673},{"text":"We'll just revisit the numbers.","start":3520.015,"end":3521.635,"sentiment":"neutral","sentiment_score":0.04446464776992798}],"sentiment":"neutral","sentiment_score":0.0463767652399838,"channel":0,"num_words":48,"start":3507.0,"end":3521.635},{"sentences":[{"text":"We'll just revisit the numbers, look at what the Centrelink drawdown looks like, and look at what you need to live on and how you draw your pension payments out.","start":3522.415,"end":3529.935,"sentiment":"neutral","sentiment_score":0.03957052659243345},{"text":"So we might just update this strategy next year as well, and that's absolutely","start":3529.935,"end":3533.4702,"sentiment":"neutral","sentiment_score":-0.01548581530473062}],"sentiment":"neutral","sentiment_score":0.022052599625153976,"channel":0,"num_words":44,"start":3522.415,"end":3533.4702},{"sentences":[{"text":"No.","start":3533.29,"end":3533.79,"sentiment":"neutral","sentiment_score":-0.16905677318572998}],"sentiment":"neutral","sentiment_score":-0.16905677318572998,"channel":1,"num_words":1,"start":3533.29,"end":3533.79},{"sentences":[{"text":"fine.","start":3533.4702,"end":3533.7102,"sentiment":"neutral","sentiment_score":-0.10969692468643188},{"text":"But this is giving you an idea of what that looks 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full age pension to supplement that will give you the income you need, and you're not drawing much out of super on a yearly basis.","start":3540.4302,"end":3556.855,"sentiment":"neutral","sentiment_score":0.29471969107786816},{"text":"So it'll still be invested working, growing, building, and paying down some income payments for you as well.","start":3556.855,"end":3564.72,"sentiment":"neutral","sentiment_score":0.22466155389944711},{"text":"How","start":3565.18,"end":3565.3398,"sentiment":"neutral","sentiment_score":0.055063165724277496}],"sentiment":"neutral","sentiment_score":0.27689446205342255,"channel":0,"num_words":81,"start":3539.07,"end":3565.3398},{"sentences":[{"text":"Yep.","start":3565.24,"end":3565.74,"sentiment":"neutral","sentiment_score":0.0766420066356659}],"sentiment":"neutral","sentiment_score":0.0766420066356659,"channel":1,"num_words":1,"start":3565.24,"end":3565.74},{"sentences":[{"text":"does that 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does that look?","start":3568.94,"end":3569.74,"sentiment":"neutral","sentiment_score":0.28588147833943367},{"text":"How's that kinda giving you a bit of clarity for the moment?","start":3569.74,"end":3572.22,"sentiment":"neutral","sentiment_score":0.21599439283212027},{"text":"Do you have any questions in relation to any of that so far?","start":3572.22,"end":3575.1199,"sentiment":"neutral","sentiment_score":0.08246401353524281}],"sentiment":"neutral","sentiment_score":0.17526717806855838,"channel":0,"num_words":30,"start":3567.8198,"end":3575.1199},{"sentences":[{"text":"No.","start":3575.725,"end":3576.045,"sentiment":"neutral","sentiment_score":-0.0998729020357132},{"text":"No.","start":3576.045,"end":3576.365,"sentiment":"neutral","sentiment_score":-0.06531330943107605},{"text":"That's good.","start":3576.365,"end":3577.185,"sentiment":"neutral","sentiment_score":0.04150809068232775}],"sentiment":"neutral","sentiment_score":-0.020542507525533438,"channel":1,"num_words":4,"start":3575.725,"end":3577.185},{"sentences":[{"text":"No.","start":3576.915,"end":3577.415,"sentiment":"neutral","sentiment_score":0.08904889225959778},{"text":"Beautiful.","start":3577.7952,"end":3578.2952,"sentiment":"neutral","sentiment_score":0.2799478769302368},{"text":"The last thing I just wanted to show you, Bryce, was on page number 59.","start":3578.835,"end":3583.575,"sentiment":"neutral","sentiment_score":0.10238904307285944},{"text":"This is the beneficiary nomination for when you do move into that pension 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beneficiary.","start":3601.065,"end":3605.325,"sentiment":"neutral","sentiment_score":0.3191968309027808},{"text":"What I'm recommending is that when you both move into that account based pension phase, we update your beneficiary nomination to be a reversionary beneficiary.","start":3606.425,"end":3615.005,"sentiment":"neutral","sentiment_score":0.217720667719841},{"text":"These are a really cool kind of beneficiary nomination.","start":3616.2,"end":3619.82,"sentiment":"positive","sentiment_score":0.7791293263435364}],"sentiment":"positive","sentiment_score":0.3877025397823137,"channel":0,"num_words":68,"start":3593.49,"end":3619.82},{"sentences":[{"text":"Essentially, a reversionary beneficiary is only available in the pension phase.","start":3620.3599,"end":3625.42,"sentiment":"neutral","sentiment_score":0.18523176149888473},{"text":"And what that essentially does is if one of you were to then pass away, with the income drawdowns coming out of the account based pension, on 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basis.","start":3724.955,"end":3733.1702,"sentiment":"neutral","sentiment_score":0.32356652732078844},{"text":"So it keeps your pension payment paid down continually without stopping so that you can continue to pay for your regular expenses at that time.","start":3733.1702,"end":3741.49,"sentiment":"positive","sentiment_score":0.37214195728302}],"sentiment":"positive","sentiment_score":0.3388399836864877,"channel":0,"num_words":94,"start":3707.86,"end":3741.49},{"sentences":[{"text":"Does that make 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there.","start":3749.695,"end":3753.935,"sentiment":"neutral","sentiment_score":0.10775409219786525},{"text":"In all of these recommendations, we've outlined the best interest Judy.","start":3753.935,"end":3757.47,"sentiment":"neutral","sentiment_score":0.12517389180985364},{"text":"It links back why we've made the recommendation and how that works for you.","start":3757.47,"end":3761.73,"sentiment":"neutral","sentiment_score":0.2149673764194761}],"sentiment":"neutral","sentiment_score":0.17885770010096685,"channel":0,"num_words":56,"start":3744.37,"end":3761.73},{"sentences":[{"text":"We've also got in there advantages, disadvantages, and risks involved of all the different strategies that you're welcome to sort of walk through and have a bit of a look at.","start":3762.35,"end":3771.255,"sentiment":"neutral","sentiment_score":0.10725534947649125},{"text":"I will just get those two tables updated for you with the balance just so that can be reflect...","start":3771.7349,"end":3779.115,"sentiment":"neutral","sentiment_score":0.06940859458164166},{"text":"Reflected correctly, and I'll have this document resent out to you for signing later on.","start":3779.4148,"end":3784.055,"sentiment":"neutral","sentiment_score":0.14091846197843552},{"text":"Is that okay?","start":3784.055,"end":3784.9548,"sentiment":"neutral","sentiment_score":0.12563773492972055}],"sentiment":"neutral","sentiment_score":0.1049171950777664,"channel":0,"num_words":68,"start":3762.35,"end":3784.9548},{"sentences":[{"text":"Yep.","start":3785.465,"end":3785.945,"sentiment":"neutral","sentiment_score":0.1713535040616989},{"text":"Sounds good.","start":3785.945,"end":3786.5852,"sentiment":"positive","sentiment_score":0.47174569964408875},{"text":"Thank you.","start":3786.5852,"end":3787.32,"sentiment":"positive","sentiment_score":0.6036481559276581}],"sentiment":"positive","sentiment_score":0.4644282430410385,"channel":1,"num_words":5,"start":3785.465,"end":3787.32},{"sentences":[{"text":"Beautiful.","start":3787.65,"end":3788.15,"sentiment":"positive","sentiment_score":0.5248184204101562},{"text":"Do either of you have any questions at the moment at 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automatically.","start":3804.5552,"end":3806.175,"sentiment":"neutral","sentiment_score":0.12699129432439804}],"sentiment":"neutral","sentiment_score":0.23449780518079505,"channel":0,"num_words":34,"start":3794.45,"end":3806.175},{"sentences":[{"text":"All we need to do now is the investments which within your so far so that we can, you know, change the the the menu in the back end and the investments that you're invested in.","start":3806.715,"end":3817.5898,"sentiment":"neutral","sentiment_score":0.0890982470785578},{"text":"That's all that changes at the moment, and then we'll come back and review that.","start":3817.81,"end":3821.99,"sentiment":"neutral","sentiment_score":0.08346615433692932},{"text":"And then we'll do your normal annual review next year.","start":3822.29,"end":3825.0898,"sentiment":"neutral","sentiment_score":0.05120130442082882},{"text":"We'll have a look at the...","start":3825.0898,"end":3826.29,"sentiment":"neutral","sentiment_score":0.010573722111682097},{"text":"Either updated pension payments, what this...","start":3826.29,"end":3828.69,"sentiment":"neutral","sentiment_score":-0.01698771646867196}],"sentiment":"neutral","sentiment_score":0.06757614093079958,"channel":0,"num_words":73,"start":3806.715,"end":3828.69},{"sentences":[{"text":"What Centrelink may have changed to, what your income drawdowns look like, and making sure that you're still on track to retire.","start":3828.69,"end":3835.905,"sentiment":"neutral","sentiment_score":0.010422882306474176},{"text":"And then we can update this if we need to.","start":3836.685,"end":3839.165,"sentiment":"neutral","sentiment_score":0.02326020076870918},{"text":"Worst case, if it's just a change in numbers, it could just be a simple record of advice, which would be nice and easy to update for you.","start":3839.165,"end":3845.58,"sentiment":"neutral","sentiment_score":0.008354852774313517},{"text":"But we'll review that section of it next year for you both.","start":3845.6602,"end":3848.72,"sentiment":"neutral","sentiment_score":0.11357667359213035},{"text":"And if you find you wanna retire earlier, then we get to touch base on you.","start":3848.9402,"end":3852.86,"sentiment":"neutral","sentiment_score":0.14493090705946088}],"sentiment":"neutral","sentiment_score":0.04974608968371864,"channel":0,"num_words":88,"start":3828.69,"end":3852.86},{"sentences":[{"text":"Just let me know, and I will come back and readjust everything for you.","start":3852.86,"end":3856.3,"sentiment":"neutral","sentiment_score":0.1751381488783019},{"text":"Is that okay?","start":3856.3,"end":3857.2002,"sentiment":"neutral","sentiment_score":0.13402187824249268}],"sentiment":"neutral","sentiment_score":0.16788233641315908,"channel":0,"num_words":17,"start":3852.86,"end":3857.2002},{"sentences":[{"text":"Yep.","start":3857.4001,"end":3857.8801,"sentiment":"neutral","sentiment_score":0.13259941339492798},{"text":"Sounds good.","start":3857.8801,"end":3858.52,"sentiment":"neutral","sentiment_score":0.24761874228715897},{"text":"Thank","start":3858.52,"end":3858.76,"sentiment":"positive","sentiment_score":0.5444644689559937}],"sentiment":"neutral","sentiment_score":0.2930753417313099,"channel":1,"num_words":4,"start":3857.4001,"end":3858.76},{"sentences":[{"text":"Yep.","start":3858.62,"end":3858.945,"sentiment":"positive","sentiment_score":0.4051514565944672}],"sentiment":"positive","sentiment_score":0.4051514565944672,"channel":0,"num_words":1,"start":3858.62,"end":3858.945},{"sentences":[{"text":"you.","start":3858.76,"end":3859.26,"sentiment":"positive","sentiment_score":0.5446594953536987}],"sentiment":"positive","sentiment_score":0.5446594953536987,"channel":1,"num_words":1,"start":3858.76,"end":3859.26},{"sentences":[{"text":"Beautiful.","start":3859.825,"end":3860.325,"sentiment":"positive","sentiment_score":0.8043994307518005},{"text":"Lovely.","start":3860.625,"end":3861.125,"sentiment":"positive","sentiment_score":0.7447351813316345},{"text":"That is basically the entire document.","start":3861.585,"end":3863.745,"sentiment":"neutral","sentiment_score":0.32677270472049713},{"text":"There's nothing else to kind of mention except that you are an an ongoing client, so you pay the ongoing service fee for your both.","start":3863.745,"end":3870.3052,"sentiment":"neutral","sentiment_score":0.14274890840053558},{"text":"It is 1.10% still this year.","start":3870.3052,"end":3873.205,"sentiment":"neutral","sentiment_score":0.2379242181777954}],"sentiment":"neutral","sentiment_score":0.2181035604996559,"channel":0,"num_words":39,"start":3859.825,"end":3873.205},{"sentences":[{"text":"There's no implementation fees for the advice.","start":3873.96,"end":3876.52,"sentiment":"neutral","sentiment_score":0.1615143609898431},{"text":"That's all part of what we do and part of the services we provide.","start":3876.52,"end":3879.58,"sentiment":"neutral","sentiment_score":0.2652781776019505},{"text":"And the last thing is just to thank you for the opportunity.","start":3880.36,"end":3882.7,"sentiment":"positive","sentiment_score":0.49877587457497913},{"text":"I've really enjoyed putting this together for you.","start":3882.84,"end":3885.32,"sentiment":"positive","sentiment_score":0.7975452616810799},{"text":"So thank you for allowing me the opportunity to help you","start":3885.32,"end":3888.005,"sentiment":"positive","sentiment_score":0.5909560349854556}],"sentiment":"positive","sentiment_score":0.4559746920489348,"channel":0,"num_words":52,"start":3873.96,"end":3888.005},{"sentences":[{"text":"Thank you.","start":3889.2102,"end":3889.9502,"sentiment":"positive","sentiment_score":0.3451397269964218}],"sentiment":"positive","sentiment_score":0.3451397269964218,"channel":1,"num_words":2,"start":3889.2102,"end":3889.9502},{"sentences":[{"text":"out.","start":3891.265,"end":3891.765,"sentiment":"neutral","sentiment_score":0.048481207340955734},{"text":"Not at all.","start":3891.9048,"end":3893.125,"sentiment":"neutral","sentiment_score":-0.06934828062852223},{"text":"I","start":3893.825,"end":3893.9849,"sentiment":"neutral","sentiment_score":-0.08157923072576523}],"sentiment":"neutral","sentiment_score":-0.04822857305407524,"channel":0,"num_words":5,"start":3891.265,"end":3893.9849},{"sentences":[{"text":"Must","start":3893.9849,"end":3894.305,"sentiment":"neutral","sentiment_score":-0.09537878632545473}],"sentiment":"neutral","sentiment_score":-0.09537878632545473,"channel":1,"num_words":1,"start":3893.9849,"end":3894.305},{"sentences":[{"text":"will let","start":3893.9849,"end":3894.385,"sentiment":"neutral","sentiment_score":-0.09383103623986244}],"sentiment":"neutral","sentiment_score":-0.09383103623986244,"channel":0,"num_words":2,"start":3893.9849,"end":3894.385},{"sentences":[{"text":"be","start":3894.305,"end":3894.545,"sentiment":"neutral","sentiment_score":-0.1163204163312912}],"sentiment":"neutral","sentiment_score":-0.1163204163312912,"channel":1,"num_words":1,"start":3894.305,"end":3894.545},{"sentences":[{"text":"you","start":3894.385,"end":3894.545,"sentiment":"neutral","sentiment_score":-0.1454518735408783}],"sentiment":"neutral","sentiment_score":-0.1454518735408783,"channel":0,"num_words":1,"start":3894.385,"end":3894.545},{"sentences":[{"text":"a","start":3894.545,"end":3894.625,"sentiment":"neutral","sentiment_score":-0.20302653312683103}],"sentiment":"neutral","sentiment_score":-0.20302653312683103,"channel":1,"num_words":1,"start":3894.545,"end":3894.625},{"sentences":[{"text":"both","start":3894.545,"end":3894.865,"sentiment":"neutral","sentiment_score":-0.19152572751045227}],"sentiment":"neutral","sentiment_score":-0.19152572751045227,"channel":0,"num_words":1,"start":3894.545,"end":3894.865},{"sentences":[{"text":"headache.","start":3894.625,"end":3895.125,"sentiment":"neutral","sentiment_score":-0.15436850488185885}],"sentiment":"neutral","sentiment_score":-0.15436850488185885,"channel":1,"num_words":1,"start":3894.625,"end":3895.125},{"sentences":[{"text":"go...","start":3894.865,"end":3895.365,"sentiment":"neutral","sentiment_score":-0.04496748000383377},{"text":"Sorry.","start":3896.065,"end":3896.565,"sentiment":"neutral","sentiment_score":-0.0909683108329773}],"sentiment":"neutral","sentiment_score":-0.06796789541840553,"channel":0,"num_words":2,"start":3894.865,"end":3896.565},{"sentences":[{"text":"Must be a headache.","start":3897.185,"end":3898.2449,"sentiment":"neutral","sentiment_score":-0.07421115413308144}],"sentiment":"neutral","sentiment_score":-0.07421115413308144,"channel":1,"num_words":4,"start":3897.185,"end":3898.2449},{"sentences":[{"text":"No.","start":3899.105,"end":3899.605,"sentiment":"neutral","sentiment_score":-0.10897545516490936},{"text":"Never.","start":3899.6648,"end":3900.1648,"sentiment":"neutral","sentiment_score":-0.09227557480335236},{"text":"I really enjoy this, honestly.","start":3900.385,"end":3902.005,"sentiment":"neutral","sentiment_score":0.14021965265274047},{"text":"Feel free to take it back and have a bit of a read through it.","start":3903.63,"end":3906.19,"sentiment":"neutral","sentiment_score":0.13602645695209503},{"text":"What I'll do is I'll just get that little bit updated for you, and we'll resend the document out to you to sign.","start":3906.19,"end":3912.05,"sentiment":"neutral","sentiment_score":0.11110234487315883}],"sentiment":"neutral","sentiment_score":0.11323551154798932,"channel":0,"num_words":45,"start":3899.105,"end":3912.05},{"sentences":[{"text":"And then once you're happy to sign it, we'll get it back.","start":3912.3499,"end":3915.015,"sentiment":"neutral","sentiment_score":0.10733264001707236},{"text":"Okay?","start":3915.015,"end":3915.515,"sentiment":"neutral","sentiment_score":0.05477719008922577}],"sentiment":"neutral","sentiment_score":0.1032899130995457,"channel":0,"num_words":13,"start":3912.3499,"end":3915.515},{"sentences":[{"text":"Okay.","start":3915.36,"end":3915.86,"sentiment":"neutral","sentiment_score":0.03312395140528679},{"text":"So will one go to my personal email and one go to Frank's?","start":3916.08,"end":3920.295,"sentiment":"neutral","sentiment_score":0.030943475663661957}],"sentiment":"neutral","sentiment_score":0.031099223930920874,"channel":1,"num_words":14,"start":3915.36,"end":3920.295},{"sentences":[{"text":"Yeah.","start":3920.9348,"end":3921.4148,"sentiment":"neutral","sentiment_score":0.03500862419605255},{"text":"Yeah.","start":3921.4148,"end":3921.655,"sentiment":"neutral","sentiment_score":0.04103481024503708},{"text":"So you'll get two new email links in there.","start":3921.655,"end":3924.4548,"sentiment":"neutral","sentiment_score":0.05532801399628321},{"text":"Yeah.","start":3924.4548,"end":3924.9548,"sentiment":"neutral","sentiment_score":0.027953345328569412}],"sentiment":"neutral","sentiment_score":0.050162408811350666,"channel":0,"num_words":12,"start":3920.9348,"end":3924.9548},{"sentences":[{"text":"Or...","start":3925.1748,"end":3925.4949,"sentiment":"neutral","sentiment_score":0.026773575693368912},{"text":"Okay.","start":3925.4949,"end":3925.9949,"sentiment":"neutral","sentiment_score":0.10191375017166138},{"text":"Thank you.","start":3926.055,"end":3926.875,"sentiment":"neutral","sentiment_score":0.28695476055145264}],"sentiment":"neutral","sentiment_score":0.1756492117419839,"channel":1,"num_words":4,"start":3925.1748,"end":3926.875},{"sentences":[{"text":"My pleasure.","start":3927.39,"end":3928.0298,"sentiment":"positive","sentiment_score":0.3712994456291199},{"text":"Thank you so much for your time.","start":3928.0298,"end":3929.23,"sentiment":"positive","sentiment_score":0.5998814361436027},{"text":"I hope you both have a lovely afternoon.","start":3929.23,"end":3931.17,"sentiment":"positive","sentiment_score":0.4930616617202759}],"sentiment":"positive","sentiment_score":0.5227213081191567,"channel":0,"num_words":17,"start":3927.39,"end":3931.17},{"sentences":[{"text":"You too.","start":3931.785,"end":3932.505,"sentiment":"neutral","sentiment_score":0.24591510742902756},{"text":"Thank you.","start":3932.505,"end":3933.3247,"sentiment":"neutral","sentiment_score":0.3170042484998703}],"sentiment":"neutral","sentiment_score":0.28145967796444893,"channel":1,"num_words":4,"start":3931.785,"end":3933.3247},{"sentences":[{"text":"Thanks.","start":3933.39,"end":3933.8699,"sentiment":"neutral","sentiment_score":0.30206114053726196},{"text":"See you later.","start":3933.8699,"end":3934.69,"sentiment":"neutral","sentiment_score":0.2249682495991389},{"text":"Bye.","start":3934.8298,"end":3935.3298,"sentiment":"neutral","sentiment_score":0.11433150619268416}],"sentiment":"neutral","sentiment_score":0.21825947910547255,"channel":0,"num_words":5,"start":3933.39,"end":3935.3298}]},"summary":{"result":"success","short":"The representative from Okie Financial discusses Frank's recent trip to Australia and plans to visit the Great Ocean with Frank. They provide instructions on signing a statement of advice and accessing the document, recommending retaining the super platform and moving into a new SMA product to reduce risk and add protection. The retirement planning process is discussed, including updating the beneficiary nomination and revisiting the retirement process if needed. The agent explains to the customer that they will update their beneficiary nomination to a reversionary beneficiary, allowing their expenditure to remain the same throughout their death benefits and allowing them to draw down extra money when needed."},"intents":{"segments":[{"text":"I had yourself and Frank both booked in to go through your updated statement of advice. Is now still a good time for you both? Yeah.","start_word":26,"end_word":51,"intents":[{"intent":"Confirm reservation","confidence_score":0.0017119936}]},{"text":"we drove from here down through, you know, the never never broken Yep. Broken Hills. Broken Hill all the way. Had Yep. a couple of Wow. weeks in South Australia and then did the Great Ocean Road and then Ballarat and Canberra to see our niece and then come home. Yeah.","start_word":336,"end_word":386,"intents":[{"intent":"Plan trip","confidence_score":0.104783304}]},{"text":"So when you open the email there, it does ask you to click to sign. That's just so you can go forward and review the document there. Just let me know when you can see the document. It'll just say statement of advice with both of your names on the front of it. So go to sign document.","start_word":720,"end_word":777,"intents":[{"intent":"Open email","confidence_score":0.004233025}]},{"text":"So when you open the email there, it does ask you to click to sign. That's just so you can go forward and review the document there. Just let me know when you can see the document. It'll just say statement of advice with both of your names on the front of it. So go to sign document. Yep.","start_word":720,"end_word":778,"intents":[{"intent":"View document","confidence_score":0.39442167},{"intent":"Open document","confidence_score":0.002130668},{"intent":"Access documents","confidence_score":0.0575}]},{"text":"It says Frank Wilkinson is signing Robin Wilkinson waiting signature. Oh, okay.","start_word":829,"end_word":840,"intents":[{"intent":"Wait for signature","confidence_score":0.0029841692}]},{"text":"When you go to sign document, Mhmm. it just goes to oakviewaustralia.od.com Yep. wants to say you click on allow. Mhmm. And it's got location is turning off in Mac system preferences. Is turned off. You wanna open settings? So it's... It wants to basically to notify your location so that it can register where you're signing from. Yep.","start_word":895,"end_word":953,"intents":[{"intent":"Register location","confidence_score":0.5193781}]},{"text":"What I might do is I'm just gonna send you another email, just a separate one with the document attached because it looks like to allow you to review it, it wants you to kind of allow the settings to register, and it might take a little bit longer.","start_word":1157,"end_word":1205,"intents":[{"intent":"Send document separately","confidence_score":0.009407125}]},{"text":"It says statement of advice.","start_word":1479,"end_word":1483,"intents":[{"intent":"Review and review the document","confidence_score":0.00045655842}]},{"text":"It says statement of advice. Sorry?","start_word":1479,"end_word":1484,"intents":[{"intent":"Resolve issues with advice","confidence_score":0.00004184954}]},{"text":"We'll look on Frank's fine. Maybe that'll Yep. work.","start_word":1655,"end_word":1663,"intents":[{"intent":"Check on frank and frank","confidence_score":7.419311e-7}]},{"text":"You're welcome to read, go through, and read it all prior to taking the advice. Okay? Yep.","start_word":1735,"end_word":1751,"intents":[{"intent":"Continue reading","confidence_score":0.00071599043}]},{"text":"So moving forward to the next page, you'll see the headings, this document and best interest duty.","start_word":1754,"end_word":1770,"intents":[{"intent":"Go back to the next page","confidence_score":0.049177907}]},{"text":"It's just about letting you know that any advice we do provide is being provided in your best interest. So as part of each of the recommendations, we do outline a best interest duty, which essentially relays the recommendations back to your goals and how that works in your best interest. Okay?","start_word":1772,"end_word":1823,"intents":[{"intent":"Educate about best interest duty","confidence_score":0.00025578198}]},{"text":"And this is the sort of the recommendations with what to do with the super now and then starting to transition to you into that retirement phase. But before that time, we will also come back and do a review with you both. So if we need to update the advice next year, we absolutely can. Okay?","start_word":2272,"end_word":2328,"intents":[{"intent":"Update advice","confidence_score":0.13849442}]},{"text":"And under the Better Advice Act 2021, I'm a relevant tax provider. That essentially means that I can provide financial advice around tax and tax related matters. I don't need to as part of this advice, realistically, but if you ever did sort of need those sorts of services, we can provide that for you as part of my license. Yep.","start_word":2565,"end_word":2625,"intents":[{"intent":"Provide financial advice","confidence_score":0.03349281}]},{"text":"The next page is the about you section. Just the information we had on the both of you as per the last fact find there. And I wanna skip forward over a couple of pages, but the next one's essentially your assets and liabilities as per our last conversation of fact find. I know some things that could have changed, but there's no major change on the advice at all. With... Sorry.","start_word":2628,"end_word":2699,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.18834163},{"intent":"Discuss asset allocation","confidence_score":0.0004586535}]},{"text":"So, Robin, at the moment, you're sitting at a $139,617.97 there. Frank, you're currently sitting at $88,801.47. Okay?","start_word":2755,"end_word":2772,"intents":[{"intent":"Examine super super balances","confidence_score":0.00021309743}]},{"text":"You're wanting to look at getting it, you know, growth and making your super work a bit harder, but you also... As you are closer to accessing super and, you know, retirement, that you wanted to also protect your super and look after your capital there.","start_word":2828,"end_word":2873,"intents":[{"intent":"Prevent financial ruin","confidence_score":0.0006693679},{"intent":"Discuss future super access","confidence_score":0.00011413151}]},{"text":"So what I am recommending is that we do retain hub 24 as a super platform.","start_word":2983,"end_word":2998,"intents":[{"intent":"Retain hub 24 as the platform","confidence_score":0.000064385866},{"intent":"Retain hub 24 as a platform","confidence_score":0.0028985036}]},{"text":"So one of the things I do look at is that your super, like you, does a tax return every year currently. Essentially, whenever we buy and sell investments or make changes to your super platform, there are capital gains consequences for your super fund to take into account.","start_word":3055,"end_word":3103,"intents":[{"intent":"Address capital gains consequences","confidence_score":0.07556711}]},{"text":"So you're getting the family fee aggregation and things like that, which is also important. Okay?","start_word":3201,"end_word":3216,"intents":[{"intent":"Link family fee aggregation","confidence_score":0.045179382}]},{"text":"Now what I am recommending, though, is that we do alter your super fund within Hub twenty four.","start_word":3218,"end_word":3235,"intents":[{"intent":"Alter super fund within hub twenty four","confidence_score":0.039176874}]},{"text":"So what I'm recommending is when we retain your Hub 24, however, in the back end, we change you to a cheaper version of hub 24.","start_word":3348,"end_word":3373,"intents":[{"intent":"Retain hub 24, Change menu","confidence_score":0.00039756484}]},{"text":"What I'm recommending we actually do is change you and move you into our new investment product.","start_word":3640,"end_word":3656,"intents":[{"intent":"Change investment product","confidence_score":0.25119114}]},{"text":"We have, in in combination with the BlackRock investment committee, set up an investment product called an SMA. It's a separately managed account. So instead of you seeing your bank hybrids, your physical gold, your cybersecurity, your Asia, your S and P 500, all those investments individually, all you would see in your super fund is the SMA Grove, the investment product there.","start_word":3658,"end_word":3720,"intents":[{"intent":"Introduce investment product","confidence_score":0.0061924625}]},{"text":"So they added some underlying investments in there to add that kind of inflationary protection into the product.","start_word":4039,"end_word":4056,"intents":[{"intent":"Explain inflationary protection","confidence_score":0.002334827}]},{"text":"Now that can be a little bit complex. Do you have any questions in relation to what that is or anything I've just gone through thus far, Robin?","start_word":4126,"end_word":4153,"intents":[{"intent":"Address investment complexity","confidence_score":0.0007546944}]},{"text":"I don't really understand this investment in that. So I'll just Yeah. go with whatever you recommend. Yep.","start_word":4154,"end_word":4171,"intents":[{"intent":"Recommend diversifying investments","confidence_score":0.0007654293},{"intent":"Recommend investing","confidence_score":0.0002646824},{"intent":"Explain investment recommendation","confidence_score":0.009899233}]},{"text":"So you've got some bank hybrids. You've got some physical gold. Underneath that cybersecurity, some Asia exposure, some European exposure, the S and P five hundred, some Nasdaq, sorry, and some fixed interest, and then the Vanguard diversified index, and then the Benelon Australian Equities investment there.","start_word":4271,"end_word":4317,"intents":[{"intent":"Explain portfolio recommendations","confidence_score":0.00043856347}]},{"text":"What we are recommending is that within your super fund, we will remove all of those investments. Some of them will just be transferred. Others will be sold off. So you won't see those anymore.","start_word":4335,"end_word":4369,"intents":[{"intent":"Recommend removal of investments","confidence_score":0.04093365}]},{"text":"This hadn't quite been updated correctly. We had to... We did the document up the other day, and then it had to be updated again. So it looks like that bit there hasn't been updated. I can get that updated for you and reissue it.","start_word":4664,"end_word":4708,"intents":[{"intent":"Update documents","confidence_score":0.35209897}]},{"text":"I think what I kind of really wanted to look at for this was instead of giving you advice documents and going, hey. We're gonna buy this, sell this, move this, change this, to simplify your super fund for you. And this separately managed account, this investment product basically simplifies it for you.","start_word":4831,"end_word":4883,"intents":[{"intent":"Make investments simpler","confidence_score":0.00024230649}]},{"text":"So I wanted to kind of look at making these changes for you.","start_word":5462,"end_word":5474,"intents":[{"intent":"Make recommendations","confidence_score":0.0898809}]},{"text":"Does that make sense? Okay.","start_word":5714,"end_word":5718,"intents":[{"intent":"Confirm investment","confidence_score":0.0009341812}]},{"text":"And the net contribution there, that's your employment contributions plus your non concessional contribution of $20 per week. Plus we've also factored into that the $500 for the government co contribution. So that's essentially showing what the contribution should be for the year, total between all of those things for you. Okay?","start_word":5944,"end_word":5995,"intents":[{"intent":"Consolidate contributions and fund","confidence_score":0.00002047867}]},{"text":"But, realistically, this portfolio could perform much greater than that 5%. Realistically, this portfolio could perform much greater than that 5%. Okay? Yeah.","start_word":6457,"end_word":6479,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.18593717}]},{"text":"Essentially, I am recommending again the exact same thing that we do, you know, essentially retain hub 24, but move you into that new SMA product that we've got available. Utilizing and making sure it's managed correctly, it, again, is reducing your risk level within the market there, and it's also giving... You know, making sure that we can make changes to your super as as needed to make sure it's always working harder for you.","start_word":6608,"end_word":6683,"intents":[{"intent":"Retain hub 24, Reduce risk level","confidence_score":0.26251638}]},{"text":"We still need to review it with you to make sure it is working harder to make changes, And there might be a time where we, you know, reduce the risk even more essentially down the track, but we'll kinda keep reviewing it with you to see how comfortable you both are with this.","start_word":6699,"end_word":6752,"intents":[{"intent":"Review super","confidence_score":0.11412985}]},{"text":"And then we will complete the sale and the switching of your investments and move you into the Grove SMA or separately managed account as it's actually called.","start_word":6793,"end_word":6820,"intents":[{"intent":"Move to grove sma","confidence_score":0.16746497}]},{"text":"For yourself, Frank, your CDT consequence on this is expected to be 1300 and 17, so definitely lower than Robin's. However, we are still saving on fees for that. Okay?","start_word":6821,"end_word":6850,"intents":[{"intent":"Save on fees","confidence_score":0.049003825}]},{"text":"For yourself, Frank, your CDT consequence on this is expected to be 1300 and 17, so definitely lower than Robin's. However, we are still saving on fees for that. Okay? Yeah.","start_word":6821,"end_word":6851,"intents":[{"intent":"Understand cdt consequence","confidence_score":0.05070749}]},{"text":"And then on the next page there, we've got the recommended and the current portfolios. The returns, they are the same as above, but just showing you how they have performed side by side over the past twelve months, three years, and five years there for you. Okay?","start_word":7191,"end_word":7238,"intents":[{"intent":"Update portfolios","confidence_score":0.09451855}]},{"text":"I'll update that for you. Sorry about that.","start_word":7353,"end_word":7360,"intents":[{"intent":"Update retirement options","confidence_score":0.00014874227}]},{"text":"pension, What's the pension these days?","start_word":7821,"end_word":7826,"intents":[{"intent":"Request pension information","confidence_score":0.00019012258}]},{"text":"So eligible for full age pension, which essentially gives you that 1,866 per fortnight. Now the other thing that we wanted to look at was how to supplement that because you talked about how, realistically, you need about $1,000 a week to live, so $2,000 per fortnight.","start_word":8106,"end_word":8152,"intents":[{"intent":"Discuss retirement benefits","confidence_score":0.00039927833}]},{"text":"So what we've also made a recommendation on for both of you is that as of you retiring and turning 67, Robin, we will move both of you into pension phase.","start_word":8153,"end_word":8183,"intents":[{"intent":"Recommend retirement plan","confidence_score":0.079288684},{"intent":"Review pension phase recommendations","confidence_score":0.004097385}]},{"text":"So what we've also made a recommendation on for both of you is that as of you retiring and turning 67, Robin, we will move both of you into pension phase. Moving you both into pension phase within the hub 24, we'll keep you in that estimate, and we'll review this prior to because, you know, prior to you actually retiring in November next year or earlier than that, the Centrelink age pension is also gonna be reviewed twice.","start_word":8153,"end_word":8231,"intents":[{"intent":"Review retirement plan","confidence_score":0.015284276},{"intent":"Review pension payment plan","confidence_score":0.035162754}]},{"text":"So what page is that on?","start_word":8377,"end_word":8382,"intents":[{"intent":"Provide information","confidence_score":0.021997355}]},{"text":"So, essentially, you've both wanted to between you'd be able to have that 2,000 per fortnight, which gives you $52,000 a year for living by drawing out the minimum.","start_word":8421,"end_word":8449,"intents":[{"intent":"Clarify information","confidence_score":0.0001600604}]},{"text":"I do like the idea of drawing smaller amounts out on a fortnightly basis rather than lump sums over the course of the year as well because your income and capital growth can can help with the drawdown.","start_word":8744,"end_word":8781,"intents":[{"intent":"Recommend drawing smaller amounts","confidence_score":0.22199072}]},{"text":"Now the other reason I am recommending that at that time we move you both into pension phase is that pension phase, whilst you are required to draw down a minimum income payment, which at the moment is needed to boost your income for your required expenditure, it's also a tax free environment.","start_word":8870,"end_word":8922,"intents":[{"intent":"Recommend moving into pension phase","confidence_score":0.2681777}]},{"text":"So, realistically, Frank can move now. We did talk about that last time, and he kinda wanted to not because once he moves into that pension phase, you have to draw down a minimum every year. So they they force you to take money out. We talked about that last time, and Frank decided he wanted to hold off until you were ready to retire and move into that pension phase then.","start_word":9051,"end_word":9122,"intents":[{"intent":"Suggest rescheduling","confidence_score":0.00023740715}]},{"text":"So we might just update this strategy next year as well, and that's absolutely No.","start_word":9302,"end_word":9316,"intents":[{"intent":"Update strategy","confidence_score":0.030110849}]},{"text":"How does that look? How's that kinda giving you a bit of clarity for the moment? Do you have any questions in relation to any of that so far? No. No.","start_word":9422,"end_word":9452,"intents":[{"intent":"Provide clarity","confidence_score":0.14371656}]},{"text":"Do you have any questions in relation to any of that so far? No.","start_word":9438,"end_word":9451,"intents":[{"intent":"Offer support","confidence_score":0.0001026092}]},{"text":"Now at the moment, you both have beneficiary nominations on file, and they're absolutely perfect the way they are. However, when you move into that pension phase, it's good to update the beneficiary.","start_word":9489,"end_word":9521,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.010109163}]},{"text":"What I'm recommending is that when you both move into that account based pension phase, we update your beneficiary nomination to be a reversionary beneficiary.","start_word":9521,"end_word":9545,"intents":[{"intent":"Provide reversionary beneficiary status","confidence_score":0.038871296},{"intent":"Provide reversionary beneficiary status","confidence_score":0.0052369186}]},{"text":"One of the biggest things I have found in the past is that when one member passes away, your expenditure can get a little bit more. People come to town.","start_word":9685,"end_word":9714,"intents":[{"intent":"Provide monthly expenditures","confidence_score":0.0009384568}]},{"text":"So this reversionary beneficiary allows each of you to still receive the regular income drawdown from your spouse's super if they were to pass away without stopping.","start_word":9796,"end_word":9822,"intents":[{"intent":"Provide income drawdowns for spouse","confidence_score":0.0013747283}]},{"text":"You can also drawdown extra money when need be, which is absolutely fine, but this just continues those draw downs for you on a regular basis. So it keeps your pension payment paid down continually without stopping so that you can continue to pay for your regular expenses at that time.","start_word":9837,"end_word":9887,"intents":[{"intent":"Provide extra money for regular expenses","confidence_score":0.11922143}]},{"text":"That's just one of the things I do like about that reversionary beneficiary there.","start_word":9895,"end_word":9908,"intents":[{"intent":"Reverse beneficiary","confidence_score":0.15650935}]},{"text":"We've also got in there advantages, disadvantages, and risks involved of all the different strategies that you're welcome to sort of walk through and have a bit of a look at.","start_word":9950,"end_word":9980,"intents":[{"intent":"Highlight benefits","confidence_score":0.045579482},{"intent":"Discuss benefits","confidence_score":0.06324304}]},{"text":"All we need to do now is the investments which within your so far so that we can, you know, change the the the menu in the back end and the investments that you're invested in. That's all that changes at the moment, and then we'll come back and review that.","start_word":10077,"end_word":10127,"intents":[{"intent":"Review investments","confidence_score":0.115004905}]},{"text":"That's all that changes at the moment, and then we'll come back and review that. And then we'll do your normal annual review next year.","start_word":10113,"end_word":10137,"intents":[{"intent":"Review pension changes","confidence_score":0.00094190385},{"intent":"Start review","confidence_score":0.00011041177}]},{"text":"And if you find you wanna retire earlier, then we get to touch base on you. Just let me know, and I will come back and readjust everything for you. Is that okay? Yep.","start_word":10222,"end_word":10255,"intents":[{"intent":"Review retirement age","confidence_score":0.0010715746}]},{"text":"Feel free to take it back and have a bit of a read through it. What I'll do is I'll just get that little bit updated for you, and we'll resend the document out to you to sign. And then once you're happy to sign it, we'll get it back. Okay?","start_word":10380,"end_word":10430,"intents":[{"intent":"Reload document","confidence_score":0.0003740174}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Robin. It's Dana from Okie Financial. How are you this morning? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18840152025222776},{"text":"Good. Thanks. You? I'm very well. Thank you. Thank you for asking. I had yourself and Frank both booked in to go through your updated statement of advice.","start_word":14,"end_word":41,"sentiment":"positive","sentiment_score":0.4982492327690125},{"text":"Is now still a good time for you both? Yeah. Right.","start_word":42,"end_word":52,"sentiment":"neutral","sentiment_score":0.2979491949081421},{"text":"Fantastic.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.4956235885620117},{"text":"Can you hear me okay?","start_word":54,"end_word":58,"sentiment":"neutral","sentiment_score":0.2827706038951874},{"text":"Perfect.","start_word":59,"end_word":59,"sentiment":"positive","sentiment_score":0.45379364490509033},{"text":"How are you this morning, Frank? Good to hear your voice. Yeah. Good. Yeah.","start_word":60,"end_word":73,"sentiment":"neutral","sentiment_score":0.303096741437912},{"text":"Good to me. Very good.","start_word":74,"end_word":78,"sentiment":"positive","sentiment_score":0.4627824127674103},{"text":"How's your week been? What? Not necessarily a bad thing, though, is it? Oh, lord. It's not. It is a bit when you don't get out of the house. Yeah. Understandable. All good. Well, just before I 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? Yep. Fantastic. And just a little quick security check, I just need to confirm... You both to confirm your full name, your date of birth, and your address. Frank Edgar Wilkinson. Mhmm. Twenty seventh to the second Yep. '57. 361 Corduroy Creek Road, Scottsville, Queensland 480 Yep. 4. Beautiful. Robin Dawn Wilkinson. 17 to Yep. 1160. 361 Corduroy Creek Road, Scotland, Queensland 4804. Beautiful.","start_word":79,"end_word":207,"sentiment":"neutral","sentiment_score":0.040452245622873306},{"text":"Thank you so much for that.","start_word":208,"end_word":213,"sentiment":"positive","sentiment_score":0.5283023118972778},{"text":"Now I have just sent you both an email with the updated statement of advice there. Are you able to open up that email at all and review that with me? Even if one of you wanted, that's absolutely fine. Yeah. I'll just get my laptop. Yeah. You're right. Get more now? Yeah. I should get more? Get it. Didn't mean that. Let me laptop. Yep.","start_word":214,"end_word":279,"sentiment":"neutral","sentiment_score":0.11341781169176102},{"text":"Doing awesome.","start_word":280,"end_word":281,"sentiment":"positive","sentiment_score":0.3844466209411621},{"text":"Use me laptop full of emails. I'm gonna hit the right one. Hit the right glasses. How was your holiday? Yeah.","start_word":282,"end_word":302,"sentiment":"neutral","sentiment_score":0.16393104195594788},{"text":"It was really good.","start_word":303,"end_word":306,"sentiment":"positive","sentiment_score":0.42507949471473694},{"text":"Went down to Victoria and saw the Great Ocean Road. Yeah. We did in February and March. It's beautiful, isn't it? Yeah. Right up lonely. Yeah. We Yeah. we drove from here down through, you know, the never never broken Yep. Broken Hills. Broken Hill all the way. Had Yep. a couple of Wow. weeks in South Australia and then did the Great Ocean Road and then Ballarat and Canberra to see our niece and then come home. Yeah.","start_word":307,"end_word":385,"sentiment":"neutral","sentiment_score":0.10645515311367904},{"text":"Oh, wow. That would have been amazing.","start_word":386,"end_word":392,"sentiment":"positive","sentiment_score":0.5384358763694763},{"text":"It's a bit rushed, though, because we only had four weeks. So... Yeah. Yeah. Yeah. Well, I think we did the Great Ocean Road, and we're gonna do it in three days, but we did it in two days. Yes. But that was still two very full on days.","start_word":393,"end_word":441,"sentiment":"neutral","sentiment_score":0.020966535434126857},{"text":"And my son loved it. He's 10. He just couldn't get enough of getting in and out of the car and looking at all the things and taking photos.","start_word":442,"end_word":470,"sentiment":"positive","sentiment_score":0.4606029987335205},{"text":"So I'm glad we've seen that whilst it's still there because, like, with all the attractions, the apostles, and all that, they're all starting to sort of waste away, and there's not many left. Yeah. There's nothing like five or something. So... Yeah. Yeah. They don't. Yeah. Which... Because we were in South Australia, most Yeah. of those things to see were in the first day Yeah. Right. Wow. because, you know, we started at Warrnambool and then... Because we spent the night in Warrnambool and then, Yep. yeah, all those London Bridge and all them are before Yep. the apostles. So Yeah. Yeah. Yep. Mhmm. Yeah. So we went the other way because we stayed in Melbourne with my brother-in-law and then went the other way. So we went through Torquay and then down to Apollo Bay and stayed the night and finished off in Warrnambool the following day. Yeah. Well, we didn't go into Melbourne, but we only went as far as Lawn, I think, on the Great Ocean Road Yep. Yep. because we didn't want all that traffic. Yes. Yes. Well, we... I'm so glad we did it when we did because we... It was just outside of school holidays. And when we were coming back, it was starting to get very busy because Victoria was starting holidays.","start_word":471,"end_word":691,"sentiment":"neutral","sentiment_score":0.04396269842982292},{"text":"So I was glad that we did it not school holiday time because it would have been so crazy busy. Yeah. I've got your email up. Beautiful. Beautiful.","start_word":692,"end_word":719,"sentiment":"positive","sentiment_score":0.5588642954826355},{"text":"So when you open the email there, it does ask you to click to sign. That's just so you can go forward and review the document there. Just let me know when you can see the document. It'll just say statement of advice with both of your names on the front of it. So go to sign document. Yep. Yep. And then it will take you forward so you can view each of the documents. And the first one you'll be looking at will be statement of advice, and it has Frank and Robin Wilkinson on the front of it. Frank Wilkinson? It's up Yep. the top. He's signing. It says Frank Wilkinson is signing Robin Wilkinson waiting signature. Oh, okay. That's just sort of... Has it has it gone through? Have you signed anything as of yet, or are you just looking at the document? So when you click the button that says click to sign, it should move forward so you can view the document and scroll up and down through it. No. When you go to sign document, Mhmm. it just goes to oakviewaustralia.od.com Yep. wants to say you click on allow. Mhmm. And it's got location is turning off in Mac system preferences. Is turned off. You wanna open settings? So it's... It wants to basically to notify your location so that it can register where you're signing from. Yep. So you might just need to allow that this time or allow that to to do it for you. Yep. And then it goes to... Oh, no. Google Chrome, Siri, contacts, calendars, reminders, photos, accessibilities. No. That doesn't look right. Can you go out of the email for me and back into it? And then what does it say when you open the email? Yep. Statement request twenty twenty six ten to the sixth. Yep. Statement of And... birth. Beautiful. Is there... Can you see a link with the document on the front there at all, or is it just sort of say click to sign? What does it tell you there? So it says that you have requested our signature on the document sign request. Yep. Yep. And if you go down to sign document, that's the same thing coming up again.","start_word":720,"end_word":1096,"sentiment":"neutral","sentiment_score":0.014049682865013178},{"text":"That's really unusual.","start_word":1097,"end_word":1099,"sentiment":"negative","sentiment_score":-0.452716588973999},{"text":"Normally, when you press that sign or... Sign document or sign request, it allows you to go forward so you can see the document there. If you go back up in the email, is there any other buttons or any other There's nothing else at the top of the email there at all? No. Nope. That's okay. What I might do is I'm just gonna send you another email, just a separate one with the document attached because it looks like to allow you to review it, it wants you to kind of allow the settings to register, and it might take a little bit longer. So what I'll do is I will send you the statement of advice separately in another email, which will come through in a second. And then you'll be able to read it over with me. And then when you've got some time later on, if you wanna review the email, you can... You'll be able to go back in. And then when you... When... And if you are deciding you are ready to sign the document, then you can go through that process there. Because it looks like it kinda wants you to go into settings and, you know, basically allow it to go through the process, but it might be a little bit longer. So, Robin, are you in your emails? Yeah. Yep. I'm just emailing this one to No. yourself. Sorry. I'm in Frank's email. Oh, you're in Frank's. That's okay. I will Yeah. send it through again. Mhmm. Click the start. Oh, Frank can do his on his phone. Maybe it's sign below. That's fine. Right? So Frank's gonna sign his. Is it letting you move up and down? So when you get to that point, it's showing you the document. You can normally move through the pages go... Going up and down. Is it allowing you to do that? Yep. Frank's It is. on his phone. Okay. Someone... Beautiful. Maybe I can do mine later on my phone, or do I Yeah. have to do it right away? No. No. You can do it later.","start_word":1100,"end_word":1454,"sentiment":"neutral","sentiment_score":0.023201632882717628},{"text":"That's absolutely fine.","start_word":1455,"end_word":1457,"sentiment":"positive","sentiment_score":0.40235504508018494},{"text":"If you... If it's letting you look at that document, is it letting you scroll back to the very first page? It says statement of advice. Sorry? What was that? The site was still conducive. That's that's okay. Is it letting you scroll back so you can see the first page of the advice document? It's got statement of advice and your names on the front of it? Me. Yep. So I'm request. Statement of advice. Yep. Yep. Yep.","start_word":1458,"end_word":1536,"sentiment":"neutral","sentiment_score":0.07103538513183594},{"text":"Beautiful.","start_word":1537,"end_word":1537,"sentiment":"positive","sentiment_score":0.5727559328079224},{"text":"So the front page there has statement of advice with your names in the front with the 10/06/2026. I'm just letting you know all of our advice is valid for sixty days, so you can take some time to go back and read this one prior to deciding to take the advice on. On the bottom of that front page, it has prepared by myself and my lovely team here at Financial, and my authorized representative number registered with ASIC is 1304394. It's in the bottom of the front page there for you. Okay? But there's only one page. Might be something wrong with my computer. We're looking... It might be... Well, I've already signed mine. Yeah. We'll look on Frank's fine. Maybe that'll Yep. work. Next Yeah. That's stop. okay. That's okay. Sorry about that. Normally, it works a little bit easier. Yeah. That's what I was thinking. It'd be a bit bigger, but Yeah. That's okay. We'll go through it. I'll hit the points that I need to, and then I'll let you both go back to sort of look at it again at a later time. Okay? You don't have to sign anything now.","start_word":1538,"end_word":1734,"sentiment":"neutral","sentiment_score":0.12852448225021362},{"text":"You're welcome to read, go through, and read it all prior to taking the advice.","start_word":1735,"end_word":1749,"sentiment":"positive","sentiment_score":0.4280257225036621},{"text":"Okay? Yep. Mhmm.","start_word":1750,"end_word":1752,"sentiment":"neutral","sentiment_score":0.22950339317321777},{"text":"Beautiful.","start_word":1753,"end_word":1753,"sentiment":"positive","sentiment_score":0.5288262367248535},{"text":"So moving forward to the next page, you'll see the headings, this document and best interest duty.","start_word":1754,"end_word":1770,"sentiment":"neutral","sentiment_score":0.2774272561073303},{"text":"It's just about letting you know that any advice we do provide is being provided in your best interest. So as part of each of the recommendations, we do outline a best interest duty, which essentially relays the recommendations back to your goals and how that works in your best interest.","start_word":1771,"end_word":1821,"sentiment":"positive","sentiment_score":0.4447305202484131},{"text":"Okay? The next page, just keep scrolling through with your table of contents. And then the next page we have there the scoping of the advice, the areas that we are looking at with this advice piece for you. Okay? Yep. Could you hold a minute, please? Are you getting the pages up front? I'm trying... X... Is it working? Is it not working? Yeah. Well, I was showing mine, but the document is up there. I'm trying to get it up. Okay? Do you want me to email it to you again, Frank, into a different email so you've got a copy of it to look at in the emails? It might be easier. Well, I can get it up, but I just... Yeah. It's up now. He's gone. Let It's me up now? Yep. That's okay. If if I go too fast, just tell me to stop. Yeah. Yeah. Well, that's ongoing services there. What page are we on? Sorry. So we're on page number three. Gotta go right back. Yeah. Page number three. That's a table of That's... contents. Yep. So go down to page number four, and you'll have their scope of advice considered. It'll be the next page we're looking at. Yep. Skype of a a voice. Yeah. Yep. Jim.","start_word":1822,"end_word":2036,"sentiment":"neutral","sentiment_score":0.015214366838335993},{"text":"Beautiful.","start_word":2037,"end_word":2037,"sentiment":"positive","sentiment_score":0.5738838315010071},{"text":"Yep. So with this advice piece, we were looking at essentially looking at trying to derisk your portfolios a little bit. We had sort of noted some of the investments weren't performing as well when we did your risk profiling. You both wanted to sort of look at trying to be about fifty fifty growth and defensive. So trying to be more balanced, taking on less risk in the market, and sort of looking after your super capital and trying to grow it in a way that you're able to access it. With Frank, you currently being on the age pension, and, Robin, you're still technically working. Essentially, when we spoke, you both had the goal of being able to maybe move into pension phase and start accessing all for Robin for you to retire out of that age 67, which is essentially just over a year away at this point. Does that still sound appropriate for your goals? Is that still accurate? Would there be any changes in your goals at the moment? Oh, I'd love to finish work, but, yes, that's not happening. No. Sorry. That's okay. But 67 still sounds about right when you're wanting to essentially stop work at this point in time. Yeah. So it'll probably Yep. be probably be the end of September, early October next year because we're going to Tassie in October.","start_word":2038,"end_word":2267,"sentiment":"neutral","sentiment_score":0.07506493180990219},{"text":"Beautiful. Yeah. Excellent. Excellent.","start_word":2268,"end_word":2271,"sentiment":"positive","sentiment_score":0.5656366348266602},{"text":"And this is the sort of the recommendations with what to do with the super now and then starting to transition to you into that retirement phase. But before that time, we will also come back and do a review with you both. So if we need to update the advice next year, we absolutely can. Okay? Yes.","start_word":2272,"end_word":2329,"sentiment":"neutral","sentiment_score":0.244890496134758},{"text":"Excellent.","start_word":2330,"end_word":2330,"sentiment":"positive","sentiment_score":0.44205713272094727},{"text":"So I've scoped in for you both, your superannuation, looking at your super and the investments, and then I've also scoped in the income retirement aspect for you both because we are essentially fifteen months away from that. So it's only a very close time there. Okay? Areas that we're not considering as part of the advice at the moment is the funeral bond side of things. So we talked about the money that you have sitting in a bank account that you were utilizing as a funeral expense or funeral cover. We talked about how that could be utilized down the track, and can also be sheltered against Centrelink assessment as well.","start_word":2331,"end_word":2443,"sentiment":"neutral","sentiment_score":0.09230032563209534},{"text":"Essentially, you were happy to leave it as is the moment, noting we can always review that down the track.","start_word":2444,"end_word":2463,"sentiment":"positive","sentiment_score":0.3448006808757782},{"text":"So for now, that's gonna stay exactly as it is. Okay? Yep.","start_word":2464,"end_word":2475,"sentiment":"neutral","sentiment_score":0.24826255440711975},{"text":"Excellent.","start_word":2476,"end_word":2476,"sentiment":"positive","sentiment_score":0.4140706956386566},{"text":"The next page is the limited advice scoping to this, letting you know that we're not solicitors. So when it comes to drafting of wills and power of attorneys and legal documents, we do tend to refer you through to a legal solicitor or a legal practitioner for those sorts of services. We do provide advice around personal insurances, but we don't do general insurances. So we often refer clients through to a general insurance broker for the purpose of getting a house motor contents, things like that. And under the Better Advice Act 2021, I'm a relevant tax provider. That essentially means that I can provide financial advice around tax and tax related matters. I don't need to as part of this advice, realistically, but if you ever did sort of need those sorts of services, we can provide that for you as part of my license. Yep. Mhmm. Okay? The next page is the about you section. Just the information we had on the both of you as per the last fact find there. And I wanna skip forward over a couple of pages, but the next one's essentially your assets and liabilities as per our last conversation of fact find. I know some things that could have changed, but there's no major change on the advice at all. With... Sorry. With page number eight, your assets and liabilities, is there anything big that may have changed in that that you would wanna update, or is that all still fairly appropriate? Roughly the same. Yep. Yeah. Yep.","start_word":2477,"end_word":2735,"sentiment":"neutral","sentiment_score":0.03679908173396765},{"text":"Absolutely. Beautiful.","start_word":2736,"end_word":2737,"sentiment":"positive","sentiment_score":0.433807909488678},{"text":"And then the next one... The next page outlines your current super balances in Hub twenty four. So, Robin, at the moment, you're sitting at a $139,617.97 there. Frank, you're currently sitting at $88,801.47. Okay? Yes, ma'am.","start_word":2738,"end_word":2774,"sentiment":"neutral","sentiment_score":0.048964016139507294},{"text":"Excellent.","start_word":2775,"end_word":2775,"sentiment":"positive","sentiment_score":0.39949607849121094},{"text":"The next page outlines your risk profile. So you both set and was that... Will... Scored as a balanced investor. This is kinda... We talked about sitting at normally a sixty forty kinda split, but we wanted to look at more of a fifty fifty split between growth and defensive assets there. You're wanting to look at getting it, you know, growth and making your super work a bit harder, but you also... As you are closer to accessing super and, you know, retirement, that you wanted to also protect your super and look after your capital there. So we have looked at ways to be able to do that for you. Okay. Okay?","start_word":2776,"end_word":2889,"sentiment":"neutral","sentiment_score":0.0195315260799569},{"text":"Excellent.","start_word":2890,"end_word":2890,"sentiment":"positive","sentiment_score":0.6266058683395386},{"text":"If I can get you to scroll down to page number 12 for me, yours might say 13. The heading there is Robin strategy recommendations.","start_word":2891,"end_word":2915,"sentiment":"neutral","sentiment_score":0.17330510914325714},{"text":"Yep. Beautiful. Now this is just running you through the recommendations.","start_word":2916,"end_word":2926,"sentiment":"positive","sentiment_score":0.4153926372528076},{"text":"I'll run through each of them for you. I'll give you a a brief outline of what I'm recommending as simply as possible. And then if you have any questions throughout, please let me know, and then I'll let you definitely go back and read them. Okay? Yep. So, Robin, this is essentially for your super. So what I am recommending is that we do retain hub 24 as a super platform. I did have a look at hub 24 as well as other platforms to make sure your super was working well for you. Retaining hub 24 is a suitable option because to sell down and move your money elsewhere is a lot more complex and would have made... Would have had a higher capital gains consequence. So one of the things I do look at is that your super, like you, does a tax return every year currently. Essentially, whenever we buy and sell investments or make changes to your super platform, there are capital gains consequences for your super fund to take into account. So in order to sell all of your investments down to cash and move your super to another platform, that means that your super fund would have had a capital gains consequence. I didn't wanna obviously overcome make it over complex. There's no need to move out of Hub twenty four. It still has a lot of different investment options.","start_word":2927,"end_word":3163,"sentiment":"neutral","sentiment_score":0.08382932841777802},{"text":"It essentially gives us access to more than a thousand different investment options, which is fantastic.","start_word":3164,"end_word":3179,"sentiment":"positive","sentiment_score":0.361797958612442},{"text":"So retaining that platform was in your best interest. And, also, you guys are linked in the back end as well. So you're getting the family fee aggregation and things like that, which is also important. Okay? Yep. Now what I am recommending, though, is that we do alter your super fund within Hub twenty four. So, essentially, the super fund has different stages of the platform. They have three tiers. They have a a Hub 24 Discovery, which is the cheapest part of the platform and only has access to a few investments. We then also have Hub 24 core, which is the second tier.","start_word":3180,"end_word":3285,"sentiment":"neutral","sentiment_score":0.07353701076979907},{"text":"It's a little bit cheaper than the current option, and it gives us access to a few more investments.","start_word":3286,"end_word":3304,"sentiment":"positive","sentiment_score":0.4154035747051239},{"text":"And then you have the full menu, which is choice, and that's where your super is at the moment. That gives us access to over a thousand different investment options. But that Hub 24 Choice menu is actually a little bit more expensive. So what I'm recommending is when we retain your Hub 24, however, in the back end, we change you to a cheaper version of hub 24. We're not selling or moving you out of anything. It's all done in the back end. This is the switch or a tickable... Tickable box, and we alter the platform and switch the menu in the back end for you. We're gonna move you down to the core menu over the choice because it's actually cheaper.","start_word":3305,"end_word":3429,"sentiment":"neutral","sentiment_score":0.08874061703681946},{"text":"It's a lower cost in administration fees. It saves you about a $180 per year on administration fees. So it makes the platform cheaper for you.","start_word":3430,"end_word":3455,"sentiment":"positive","sentiment_score":0.3998509347438812},{"text":"Okay? Sorry. Yes. I put $20 a week into that. Yep. Hub 24. Would that number change? No. No. That stays exactly the same. Everything on your side will look exactly the same as it does now. It's just a switch in the back end of what we're using with the back end of the platform. So nothing changes for you. Your account number stays the same. You'll see your hub twenty four super fund exactly as you do now. Essentially, by changing the menu, it's just a tick of a box in the back end for us. We just get you to sign a change of menu form, and everything's kinda done in the back end for you to make the platform cheaper. Does that make sense? Yes. Yeah.","start_word":3456,"end_word":3585,"sentiment":"neutral","sentiment_score":0.09724479913711548},{"text":"Beautiful.","start_word":3586,"end_word":3586,"sentiment":"positive","sentiment_score":0.5190272927284241},{"text":"Now once we change that menu, we're actually gonna change your investments as well. Now at the moment, within your super fund, you have a range of diversified investments. You essentially have, like, the S and P 500. We have some Australian equities, but you can see all the individual investments noted there. What I'm recommending we actually do is change you and move you into our new investment product. We have, in in combination with the BlackRock investment committee, set up an investment product called an SMA. It's a separately managed account. So instead of you seeing your bank hybrids, your physical gold, your cybersecurity, your Asia, your S and P 500, all those investments individually, all you would see in your super fund is the SMA Grove, the investment product there.","start_word":3587,"end_word":3719,"sentiment":"neutral","sentiment_score":0.14594709167354986},{"text":"The reason I'm moving you into this investment product is that it gives you more of a fifty fifty split. So with the way I looked at your super at the moment, you're in more of a balanced growth environment. So you're 70% invested in those growth assets like shares, property, commodities like gold and silver, and have about 30% in those low risk defensive investments. In order to reevaluate and derisk your portfolio to reduce the overall risk, moving you into this SMA product works really well. Because it is managed by us as well as the BlackRock investment team, it means that we can make changes to the underlying investments for you smoother and easier.","start_word":3720,"end_word":3836,"sentiment":"positive","sentiment_score":0.434838354587555},{"text":"Essentially, it's reviewed every three months by the investment committee. And where there are changes to the markets where there's high inflation, they can add an ultra investment so that it is working harder for you. Does that make sense? Yep. Yep. It's also gonna reduce your risk level down from, say, 70% sitting in those growth assets to about 49% in those growth assets, keeping 51% in defensive exposure, things like cash, bonds, and fixed interest. So, essentially, this is giving you a little bit more protections. We can make changes in line with your risk capacity as well and make sure that the funds... How you're invested is always working well, make changes as we need to. One of the things that I do like a lot... A little bit about this product at the moment is that it currently has some inflationary protections. So, essentially, what sorta happened this year is that because we have seen very high inflation in Australia and it has affected bonds, essentially, our investment committee with the BlackRock team, they met earlier this year. They looked at that estimate product, and they went, hey. We needed to put some inflationary protections in place. So they added some underlying investments in there to add that kind of inflationary protection into the product. By doing that, we didn't have to do updated advice and change anyone's investments.","start_word":3837,"end_word":4069,"sentiment":"neutral","sentiment_score":0.13284158732246432},{"text":"That was all done in the back end, And that just changes that SMA or that investment option on a regular basis to make sure that the funds within that are always working in the right direction, that it is essentially lowering overall risk, and that it is, you know, providing the right level of exposure.","start_word":4070,"end_word":4125,"sentiment":"positive","sentiment_score":0.3583217263221741},{"text":"Now that can be a little bit complex. Do you have any questions in relation to what that is or anything I've just gone through thus far, Robin?","start_word":4126,"end_word":4153,"sentiment":"neutral","sentiment_score":-0.11812955141067503},{"text":"I don't really understand this investment in that.","start_word":4154,"end_word":4161,"sentiment":"negative","sentiment_score":-0.3821655213832855},{"text":"So I'll just Yeah. go with whatever you recommend. Yep. That's okay. Let me take you through it a little bit easier to show you. I'm gonna scroll down a couple of pages. Now if you can go forward for me just to page number 24 on your document, it might be 25. This will have the heading Robin recommended investment superannuation.","start_word":4162,"end_word":4223,"sentiment":"neutral","sentiment_score":0.0908515602350235},{"text":"Yep. Beautiful.","start_word":4224,"end_word":4225,"sentiment":"positive","sentiment_score":0.42858171463012695},{"text":"Now you'll see here it's got a bit of a table. There's a lot going on, and that's okay and understandable. The first... The top column there and all the first column is basically what you currently have within your super fund at the moment. So you've got some bank hybrids. You've got some physical gold. Underneath that cybersecurity, some Asia exposure, some European exposure, the S and P five hundred, some Nasdaq, sorry, and some fixed interest, and then the Vanguard diversified index, and then the Benelon Australian Equities investment there. Yep. Now what we are essentially doing... That's showing what you have currently in your super fund. What we are recommending is that within your super fund, we will remove all of those investments. Some of them will just be transferred. Others will be sold off. So you won't see those anymore. At the very bottom, you've got the SMA growth, and that essentially shows that we're gonna transfer all those investments at the top into the bottom. So anything that's, you know, can be transferred in, anything that doesn't need to be held is gonna be sold off. And within your super fund, after we make this change, you'll see that. You'll see your hub 24. You'll see SMA growth and your current balance. So this will be the new investment product. Inside that product, there is about 20 to 30 different other investment options.","start_word":4226,"end_word":4463,"sentiment":"neutral","sentiment_score":0.09127819538116456},{"text":"And by having this product, we can make changes to the investments for you to keep things working harder, to make sure that, you know, as markets change, that new investments are added to make sure it's working for you, and to help overall, you know, help reduce your overall risk level as well. One of the good things I do like about this SMA is that it use... It utilizes the BlackRock investment committee.","start_word":4464,"end_word":4538,"sentiment":"positive","sentiment_score":0.4312872886657715},{"text":"They work with us through this, and they have an investment manager.","start_word":4539,"end_word":4550,"sentiment":"neutral","sentiment_score":0.2736545205116272},{"text":"They have economists, and they have a really cool supercomputer. And that supercomputer looks at what, you know, is happening in the... Around the globe, what's happening in Australia, what's happening with investment markets, and it helps us to build portfolios that are lowering risk but that are also providing good, steady, long term gains. Now that is a lot.","start_word":4551,"end_word":4610,"sentiment":"positive","sentiment_score":0.3645620942115784},{"text":"Do you have any questions? I know it's a lot to take in. I'm so sorry. No. It's okay. Yeah. Just just a question looking at that chart. It's got... My balance is a 136, but I thought you said a 100 and Sure. 39 payable. It... Yeah. It is. That did there. This hadn't quite been updated correctly. We had to... We did the document up the other day, and then it had to be updated again. So it looks like that bit there hasn't been updated. I can get that updated for you and reissue it. Sorry about that. This is small this is a small typo. Yeah. No. It's okay. Because it takes a few days to put the document together, and your balance is changing basically every day. Every time we go and update the document, we've gotta update all those little sections there. So it looks like that one's just being missed, but we can have that updated and have it reissued to you just to reconfirm. But, yeah, your balance at the moment is at $13,961.08. Okay? $61.08. Yeah.","start_word":4611,"end_word":4795,"sentiment":"neutral","sentiment_score":-0.05312277041375637},{"text":"Yes. Beautiful. Now that is a lot.","start_word":4796,"end_word":4802,"sentiment":"positive","sentiment_score":0.5169624090194702},{"text":"Do you have any questions? Did you want me to break any of that down a little bit further for you? Or No. It's fine. no. That's okay. I think what I kind of really wanted to look at for this was instead of giving you advice documents and going, hey. We're gonna buy this, sell this, move this, change this, to simplify your super fund for you.","start_word":4803,"end_word":4870,"sentiment":"neutral","sentiment_score":0.14809094369411469},{"text":"And this separately managed account, this investment product basically simplifies it for you.","start_word":4871,"end_word":4883,"sentiment":"positive","sentiment_score":0.37412476539611816},{"text":"Because instead of us giving you an advice document every time we need to make changes in your portfolio that says we're gonna buy this, sell this, change this, move this, rebalance this, and overcomplicate things. You're just looking at that SMA product and your balance. And inside that, our investment committee can make those changes for you. We can, you know, be having the meetings known, look, inflation might be high, or this investment should be here, or we need to look at investing in this market over here. And then in the back end, our investment committee can make those changes without having to come and overcomplicate the the investment conversation with you. Does that make sense? Yes. Yeah. It's about sort of making it more streamlined.","start_word":4884,"end_word":5012,"sentiment":"neutral","sentiment_score":0.17588166892528534},{"text":"The other thing I do like is because this has a lower risk level, you've kinda got that 49% growth and 51% defensive investments. It is lowering the risk from where you are at the moment, and you can be in this through those retirement years a little bit as well. It is more of a conservative portfolio, which is important.","start_word":5013,"end_word":5073,"sentiment":"positive","sentiment_score":0.38952746987342834},{"text":"And that was Yep. one of the things that we talked about was that you guys have built up your capital. Your balances are definitely lower than where we would normally like them to be at your age. And that's understandable with, you know, there's a lot of things that have happened. Soup has taken, you know, built up over time. It wasn't a big thing until the nineties. It also wasn't compulsory for a long time there as well. But we just wanna make sure that, you know, your capital is being looked after, and it's been invested in a way that it can be altered and changed as it needs to be without the need to overcomplicate it for you. Does that make sense? Yep. We did have plans Yeah. to have more money, but the mine Yeah. didn't stay open and then didn't reemploy Frank. So and he Yeah. was out of work for years. So... No. Yeah. Well, Anyway, I will look after you. I will look thank after you. you.","start_word":5074,"end_word":5248,"sentiment":"neutral","sentiment_score":0.03415394818410277},{"text":"We we will be okay.","start_word":5249,"end_word":5253,"sentiment":"positive","sentiment_score":0.3936138153076172},{"text":"We'll keep reviewing it and looking at it and just keep altering it.","start_word":5254,"end_word":5266,"sentiment":"neutral","sentiment_score":0.32892900705337524},{"text":"And that's what this advice piece is about. It's showing you how we can kind of alter things so that you're able to lower risk, look after your capital, keep it moving, but also utilize it when you need to as well.","start_word":5267,"end_word":5308,"sentiment":"positive","sentiment_score":0.3850379288196564},{"text":"Okay? Yep.","start_word":5309,"end_word":5310,"sentiment":"neutral","sentiment_score":0.21795879304409027},{"text":"Beautiful.","start_word":5311,"end_word":5311,"sentiment":"positive","sentiment_score":0.4676717519760132},{"text":"Now, Robin, if you can go back up a couple of pages for me, on your document, it should be page 22. It should be... The heading should say Robin fee comparison superannuation. Yep.","start_word":5312,"end_word":5345,"sentiment":"neutral","sentiment_score":0.0918477699160576},{"text":"Beautiful.","start_word":5346,"end_word":5346,"sentiment":"positive","sentiment_score":0.39014914631843567},{"text":"Now this is essentially the table showing you the difference in the recommendation there. So the first one shows your current balance. It shows your $13,961.08, your admin fees, investment fees, the ongoing service fee for us looking after and managing everything, your contributions going in at the moment. You've got no insurance premiums coming out, then underneath that at the very bottom, you've got your five year rolling average. This shows that in that balanced growth environment, this portfolio has been able to average around about 4.77 on a yearly basis.","start_word":5347,"end_word":5438,"sentiment":"neutral","sentiment_score":0.1529042273759842},{"text":"Not as good as what we would realistically like, and you are taking a bit more risk to get a very low return.","start_word":5439,"end_word":5461,"sentiment":"negative","sentiment_score":-0.355476051568985},{"text":"So I wanted to kind of look at making these changes for you. Now with the recommended column, which is the one next to it, it does show a difference in the balance, and that is because we are changing the investment. So we understand that your super fund, does have a capital gains consequence for for doing so. In order to change the investment, your super will account for $1,850. That is the capital gains consequence. But with the reduction of fees, with your contributions going in, and with the growth, your super fund Okay.","start_word":5462,"end_word":5557,"sentiment":"neutral","sentiment_score":0.14653722802177072},{"text":"should be able to make that money back nice and quick for you.","start_word":5558,"end_word":5570,"sentiment":"positive","sentiment_score":0.6124320030212402},{"text":"Okay? Just another Yeah. question. I Sure. put $20 a week in, Yep. so the government's supposed to give me some, aren't they? Mhmm. Yes. And I've I've factored that in for you as well. I looked at that. So, essentially, with that, that $20 extra per week that you're putting in equates to about a thousand and $40 over the course of the year. With your income being under the threshold, when you do your tax return for the year, that is all sent off to the government. Essentially, based on your income that we have, you should be eligible to receive the full $500 as a government co contribution. But once your tax return for the last financial year is being completed and sent to the ATO for rebalancing, then the government will deposit that into your super fund for you. Does that make sense? Okay. Because my tax Yeah. is done. It Beautiful. was done in August, I think. So... Yeah. I'm just So that's... gonna log in and see if... You're right. I'll just log in and see if it's come in for you as of yet. It doesn't always happen quick. You know, the government, they're happy to take money, but not happy to give it in a hurry. Yes. I probably won't give it until May next year or something. Hold on to it as long as possible. Yeah. So with that recommended side, I've also considered and factored in that government co contribution as well based on the research there.","start_word":5571,"end_word":5827,"sentiment":"neutral","sentiment_score":0.04369448870420456},{"text":"So the thing I do like, as much as there is a CGT consequence for making the change in the investments, it also is cheaper. So this Yep. new core product within Hub 24, it saves you a $187 for the year on administration fees, so it makes your admin fees cheaper. It's also gonna reduce your investment fees by a $163 as well. So, overall, you're saving about $350 a year in admin and investment fees, which is good. That money stays in your super working harder for you.","start_word":5828,"end_word":5917,"sentiment":"positive","sentiment_score":0.5367223699887593},{"text":"Okay? Yeah. Yeah.","start_word":5918,"end_word":5920,"sentiment":"neutral","sentiment_score":0.28267228603363037},{"text":"The ongoing service fee is, yeah, a little bit lower as well, which is good because the balance is dropping with the change.","start_word":5921,"end_word":5943,"sentiment":"positive","sentiment_score":0.4213598966598511},{"text":"And the net contribution there, that's your employment contributions plus your non concessional contribution of $20 per week. Plus we've also factored into that the $500 for the government co contribution. So that's essentially showing what the contribution should be for the year, total between all of those things for you. Okay? Beautiful. Now underneath that, you'll also see... It doesn't look like it has come in yet. I'm just looking at the transactions. So it doesn't look like the government co contribution has come in yet. So, hopefully, in the next few months, it'll appear automatically. That doesn't surprise me at all. Yeah.","start_word":5944,"end_word":6047,"sentiment":"neutral","sentiment_score":0.13127495348453522},{"text":"They're quick to take the money.","start_word":6048,"end_word":6053,"sentiment":"positive","sentiment_score":0.3827629089355469},{"text":"They're good to hold on to it, though, aren't they? Yep. Yeah. Now at the bottom of that, the investor profile, you'll see next to the... In the recommended column, the balanced option. So this is moving you down from that balanced growth environment to balance. So lowering your risk, saving you on fees, but the newer SMA product has also performed better than your current super investments as well. So it's averaging 5.72%. Essentially, that is a good conservative rate of return for this sort of environment, and getting that consistently over time can help for you... You know, can help you to draw down the income that you do need. This portfolio can obtain a much greater return. You know, we are gonna see years of negative returns and good returns and things like that. We just Yep. need to kinda keep monitoring it with you, seeing how it's performing, and watching your draw downs to make sure that you're always earning the income that you need, but that your super is, you know, performing and kicking along nicely as well. Okay? Yep. Beautiful. Do you have any questions about that table at all? No. No? Beautiful. Underneath that, you'll see there is a projection table. I've only done one year of projections because you are essentially planning to retire next year. I didn't wanna sort of show you too much. So we're looking at, you know, making this change now so that when you retire next year, this is essentially looking at what the projected outcome shows. You can sort of see by saving fees, by moving into the SMA product, and with your contributions there, it's only a difference of $52 for the year in the projected outcome of your balance, which is pretty good. Yeah. Yep. Yeah.","start_word":6054,"end_word":6355,"sentiment":"neutral","sentiment_score":0.16720905665628957},{"text":"Beautiful.","start_word":6356,"end_word":6356,"sentiment":"positive","sentiment_score":0.5816020965576172},{"text":"If we go down to the next page there, you'll see the annualized returns. Now this is just showing you the difference between your current product and how it has performed versus the SMA when we look at twelve months, three years, and five years. So you can sort of see in that recommended... The the newer investment product has performed pretty well long term, and you can sort of see over three years it has potential for about 9%. So we use a five year rolling average with that 5.72 a because it gives a more conservative projected outcome. But, realistically, this portfolio could perform much greater than that 5%. Realistically, this portfolio could perform much greater than that 5%. Okay? Yeah.","start_word":6357,"end_word":6479,"sentiment":"neutral","sentiment_score":0.18223081529140472},{"text":"Beautiful.","start_word":6480,"end_word":6480,"sentiment":"positive","sentiment_score":0.40693730115890503},{"text":"Do you have any questions there, Robin? I know it can be a lot, and I'm so sorry. Yep. No. You're right. No. It's all good. Thank Yep. you.","start_word":6481,"end_word":6509,"sentiment":"neutral","sentiment_score":0.022373320534825325},{"text":"Beautiful.","start_word":6510,"end_word":6510,"sentiment":"positive","sentiment_score":0.3719481527805328},{"text":"Now what I'll get you to do is we'll scroll down a little bit more, and we'll head down to page number... Sorry. Alright. Number 30 on mine. So number 31 on yours, and this is Frank's sofa. Yep.","start_word":6511,"end_word":6549,"sentiment":"neutral","sentiment_score":0.041565194725990295},{"text":"Beautiful. Beautiful.","start_word":6550,"end_word":6551,"sentiment":"positive","sentiment_score":0.36655813455581665},{"text":"Today? Yep. I can hear you both. You still there? Yep. Beautiful. So, Frank, this one's basically yourself, and it did the exact same thing. I had a look at how your super was performing, looked at the different platforms, looking at how everything was structured now and with your current balance sitting in there. Essentially, I am recommending again the exact same thing that we do, you know, essentially retain hub 24, but move you into that new SMA product that we've got available. Utilizing and making sure it's managed correctly, it, again, is reducing your risk level within the market there, and it's also giving... You know, making sure that we can make changes to your super as as needed to make sure it's always working harder for you. Just because we're in this SMA product doesn't mean we need... Don't need to review it. We still need to review it with you to make sure it is working harder to make changes, And there might be a time where we, you know, reduce the risk even more essentially down the track, but we'll kinda keep reviewing it with you to see how comfortable you both are with this. Again, with yourself, Frank, it's just about retaining hub 24. In the back end, we'll move you out of into the core product. It's just the back end switch of the actual product or the menu of Hub 24. Yes. And then we will complete the sale and the switching of your investments and move you into the Grove SMA or separately managed account as it's actually called. For yourself, Frank, your CDT consequence on this is expected to be 1300 and 17, so definitely lower than Robin's. However, we are still saving on fees for that. Okay? Yeah.","start_word":6552,"end_word":6851,"sentiment":"neutral","sentiment_score":0.09218687924245993},{"text":"That's good. Yeah. Excellent.","start_word":6852,"end_word":6855,"sentiment":"positive","sentiment_score":0.48512521386146545},{"text":"If you can move down for me just to page number 38 a month, so 39 on yours, And this is your fee comparison table. Alright. Yep. Yep.","start_word":6856,"end_word":6883,"sentiment":"neutral","sentiment_score":0.15361210703849792},{"text":"Beautiful.","start_word":6884,"end_word":6884,"sentiment":"positive","sentiment_score":0.5436505079269409},{"text":"So we've got the current recommended there. So the current with your super balance sitting there at $8,880.01, and then we've also got your administration fees, investment fees, any other fees applicable there, your ongoing service fee. You're not paying in any contributions in currently, and there's no insurance premiums coming out.","start_word":6885,"end_word":6936,"sentiment":"neutral","sentiment_score":0.2013217955827713},{"text":"Looking at the way you are invested, it's, again, that balanced growth kind of environment there, and your portfolio has averaged about 4.10% over the past five years.","start_word":6937,"end_word":6964,"sentiment":"positive","sentiment_score":0.4153920114040375},{"text":"So with the recommended, we understand the CDT consequence is 1,317. That essentially means that after making the switch, we expect your balance to be at $87,004.84. We still understand there are administration fees and investment fees, but they are definitely cheaper.","start_word":6965,"end_word":7006,"sentiment":"neutral","sentiment_score":0.15128577607018606},{"text":"So the same as with Robin Super, by making the switch, we'll save you $215 for the year in administration fees, and then we'll also save another $100 in investment fees there. So all up for the year, it's saving you about $315 in administration fees and investment fees as well, which is good. Okay. Absolutely. Definitely. At the very bottom there, again, you're going going into that balanced portfolio over the balanced growth. So we're reducing our risk level within the market and adding those additional protections with the management side of things through the SMA there.","start_word":7007,"end_word":7104,"sentiment":"positive","sentiment_score":0.40950003266334534},{"text":"And this SMA has averaged 5.72%.","start_word":7105,"end_word":7110,"sentiment":"neutral","sentiment_score":0.31093674898147583},{"text":"So that, when you look at it, can have more of a significant change for yourself because your CGT consequence is a little bit lower.","start_word":7111,"end_word":7135,"sentiment":"positive","sentiment_score":0.3383297324180603},{"text":"Your balance is a little bit lower as well.","start_word":7136,"end_word":7144,"sentiment":"neutral","sentiment_score":0.20666608214378357},{"text":"The projected outcome's a little bit better for yourself. So we do expect you to be in front by that $222 over the next twelve months with this one. So it's putting you in front, which is great.","start_word":7145,"end_word":7182,"sentiment":"positive","sentiment_score":0.4371005296707154},{"text":"Okay? That's for sure. Yeah. Yep. Yeah.","start_word":7183,"end_word":7189,"sentiment":"neutral","sentiment_score":0.2273276448249817},{"text":"Excellent.","start_word":7190,"end_word":7190,"sentiment":"positive","sentiment_score":0.4087161421775818},{"text":"And then on the next page there, we've got the recommended and the current portfolios. The returns, they are the same as above, but just showing you how they have performed side by side over the past twelve months, three years, and five years there for you. Okay? Excellent. Do you have any questions at all, Frank? You're welcome to let me know if you do. No. It's not. I haven't enjoyed it.","start_word":7191,"end_word":7263,"sentiment":"neutral","sentiment_score":0.11819383502006532},{"text":"This Beautiful. is the Excellent.","start_word":7264,"end_word":7268,"sentiment":"positive","sentiment_score":0.3540070652961731},{"text":"email address. I would definitely wanna make sure we kinda build on that. I like a conservative projection so that we're not overestimating, but just making sure that we touch base with you and keep updating things to see how it's all going, keep monitoring it, and maybe do six monthly catch ups as well to sort of see how it's all tracking for you both as well. Okay? Yeah. Well, K. I'm I'm 70 in about four months' time. Excellent. Yes. Yes. Yes. I'll update that for you. Sorry about that. It's... It is it is protecting your whole one year away. So... Because you're nearly 70, realistically, in this this time next year, you'll be almost 71.","start_word":7269,"end_word":7387,"sentiment":"neutral","sentiment_score":0.12929996272095112},{"text":"But I don't want you to feel like I'm making you older than you really are.","start_word":7388,"end_word":7403,"sentiment":"negative","sentiment_score":-0.33587220311164856},{"text":"It's just more with the age you're turning. Sorry about that. Well, he wasn't talking about that. He was just... Likes telling everyone he's nearly 70.","start_word":7404,"end_word":7429,"sentiment":"neutral","sentiment_score":-0.11421720683574677},{"text":"I'm glad you're proud of that. Especially when you didn't make it. You've done really well. I want you to enjoy the rest of you. You still got a lot of living to do.","start_word":7430,"end_word":7463,"sentiment":"positive","sentiment_score":0.5641637444496155},{"text":"Yep. That's what I'm doing. Absolutely. The next page down is just basically a run over of the investment asset allocation there. But if you go down to page number 42, you'll have the recommended investment table, and that is showing you, Frank, essentially what investments you have currently, how they will all be essentially either sold down or transferred. So at the bottom of that table again, you'll just see you'll have 20 four exactly as it is now, but the investment you'll see is the growth, and you'll see your balance in there. Yep. Yep.","start_word":7464,"end_word":7560,"sentiment":"neutral","sentiment_score":0.08997656404972076},{"text":"Beautiful.","start_word":7561,"end_word":7561,"sentiment":"positive","sentiment_score":0.34030288457870483},{"text":"And, again, this table is showing... This needs to be updated because your balance has changed a little bit from when we completed this. So I'll just go back and get my team to update that, and we'll resend it through to you later. Okay? Okay.","start_word":7562,"end_word":7607,"sentiment":"neutral","sentiment_score":0.013711017556488514},{"text":"Thanks. That's good. Beautiful. Excellent.","start_word":7608,"end_word":7612,"sentiment":"positive","sentiment_score":0.5063285827636719},{"text":"Now if we kind of keep going on, I also wanted to have a little bit of a look at the retirement aspect. So this will be reviewed with you both as we get closer to it, and we'll do a review with you next year prior to you retiring there, Robin. But moving Yep. down to page number 44, you'll see here it's got Frank and Robin strategy recommendations, and this is about moving into that pension phase when you turn 60 Mhmm. seven.","start_word":7613,"end_word":7697,"sentiment":"neutral","sentiment_score":0.08827900141477585},{"text":"Beautiful.","start_word":7698,"end_word":7698,"sentiment":"positive","sentiment_score":0.4420222043991089},{"text":"So because this is essentially part of the short term, and we know that next year you'll be 67 in November, and your goal is to essentially retire there. It was appropriate to factor this into the recommendations to sort of look at the Centrelink side of things, but also what the expected drawdown might look like or how much you'll need to drawdown to cover your living expenses to meet your goal. One of the things we sort of talked about was that between the both of you, you wanted to live on about $2,000 per fortnight. Is that still fairly accurate? Yeah. Probably. But... I mean, if we can live on less, that would be better. But because the Yep. pension, What's the pension these days? Well, it's actually just increased a little bit, and I'll show you what that is. Let's go down a little bit. Let's go down to... I'm just going forward a little bit. If we can go down to page number 51, I can show you what that looks Yep. like. Yeah. So they've just increased it. The age pension is assessed, or a few of the Centrelink pensions are assessed essentially twice a year around the March 20 and September. And when they need to be, they are indexed and increased to keep up with inflation. So this all has been updated very recently. So currently, the age pension is paying out 933 per person a fortnight. So 1,866 per fortnight for the two of you as a combined, That's full age pension. And having a look at your assets both with the projected super balance and everything you've got noted, you are both essentially looking to be eligible for full age pension there, which is great. Do you get less if you're a couple? No. No. You actually get more. So the age pension, I actually have the single for you. Get that. So for a single person, the full is $1,237.70 per fortnight. You know how much Frank gets now because I work? How much is he getting at the moment? That's 700. Yeah.","start_word":7699,"end_word":8052,"sentiment":"neutral","sentiment_score":0.07967673242092133},{"text":"Well, it'll get easier. It'll get better.","start_word":8053,"end_word":8059,"sentiment":"positive","sentiment_score":0.38926833868026733},{"text":"You're so close. Yeah. But, no, honestly, look, having a look at everything, I did go back and we had a look at the the availability there. You're both going to... You... With what we can see and project out, we'll be under the threshold there. So eligible for full age pension, which essentially gives you that 1,866 per fortnight. Now the other thing that we wanted to look at was how to supplement that because you talked about how, realistically, you need about $1,000 a week to live, so $2,000 per fortnight. So what we've also made a recommendation on for both of you is that as of you retiring and turning 67, Robin, we will move both of you into pension phase. Moving you both into pension phase within the hub 24, we'll keep you in that estimate, and we'll review this prior to because, you know, prior to you actually retiring in November next year or earlier than that, the Centrelink age pension is also gonna be reviewed twice. So it may go up in value, which means you may not have to draw anything out of your super, which means we can change the strategy. But right now, looking at where we're projecting out, with the current age pension eligibility, we need to draw a little bit out of your super to supplement the age pension side of things. Based on your two current balances, you are both gonna have to draw the minimum pension payment. Essentially, with the eighteen eighteen sixty six on a fortnightly basis, you only really need to draw essentially a bit over... Bit under $200 to kind of, you know, cover you. But withdrawing the the minimum... Withdraw the minimum pension payment out from your super on a yearly basis. Essentially, Robin, for yourself, it will actually only be $275.04 per fortnight or 7,000 for the year. Okay? So what page is that on? Sorry. Oh, that's okay. You're right. I'm just scrolling back. Sorry. My computer's having a bit of a moment. I had to keep... It's on page 46. Yep. Yep. Yeah. And you'll see a little table there. So, essentially, you've both wanted to between you'd be able to have that 2,000 per fortnight, which gives you $52,000 a year for living by drawing out the minimum. And as at your age, 67, you... At the moment, it's a 5% minimum that you have to draw out of your account based pension within Super. So it means that based on the projected balance, you'll have to draw $7,151.04 per year. That equates to a regular fortnightly drawdown of $275.04. That plus your age pension entitlement of 933 is expected to give you $1,208.04 per fortnight just for yourself there. Okay? Yes. Frank, your ascent drawdown is a little bit lower. I'm just scrolling down. If you can go to page number 55 for me, this has got your little table showing your expected drawdown. Yep. Yep.","start_word":8060,"end_word":8557,"sentiment":"neutral","sentiment_score":0.08796139062947059},{"text":"Beautiful. Beautiful.","start_word":8558,"end_word":8559,"sentiment":"positive","sentiment_score":0.667932391166687},{"text":"So with this one here, based on your projected balance, as at the time that Robin's retiring, rather about the age 67 mark, we're looking at drawing down again. It's 5% minimum based on your age, and it's essentially a $170 per fortnight for yourself or based on your balance, 4,421 for the year. Again, adding that to your age pension entitlement of $933 per fortnight essentially gives you $1,103.07. All up, this is essentially giving you both an income for the year between Centrelink and a... And your account based pension of $60,088.79. Okay. So it's a little over $8,000 above your required income of $52,000 a year.","start_word":8560,"end_word":8668,"sentiment":"neutral","sentiment_score":0.15192435681819916},{"text":"I do like that because it gives you a buffer.","start_word":8669,"end_word":8678,"sentiment":"positive","sentiment_score":0.6217846870422363},{"text":"We know living expenses increase. We might wanna take holidays.","start_word":8679,"end_word":8688,"sentiment":"neutral","sentiment_score":0.2712368071079254},{"text":"You can put that extra little bit of money away, you know, take a trip or whatever you need to do. But it does give you a little bit of that $8,000 extra per year just as a bit of a buffer there and allows you to have a little bit of extra.","start_word":8689,"end_word":8741,"sentiment":"positive","sentiment_score":0.4001919329166413},{"text":"Yep.","start_word":8742,"end_word":8742,"sentiment":"neutral","sentiment_score":0.18565480411052704},{"text":"I do like the idea of drawing smaller amounts out on a fortnightly basis rather than lump sums over the course of the year as well because your income and capital growth can can help with the drawdown.","start_word":8743,"end_word":8780,"sentiment":"positive","sentiment_score":0.5427895784378052},{"text":"So taking smaller amounts out on a regular basis, a, replenishes your income to what you need, but also has less than... Can have less of an effect on your super rather than a big lump sum, essentially, if that makes sense. Yeah. Yeah. So when I sort of work this out per fortnight, so that $60,088.","start_word":8781,"end_word":8837,"sentiment":"neutral","sentiment_score":0.2624475359916687},{"text":"79, it actually equates to giving you both a combined income of $2,311 per fortnight. So just over that $2,000 mark, giving you a little bit of an income buffer.","start_word":8837,"end_word":8866,"sentiment":"positive","sentiment_score":0.3828966021537781},{"text":"Okay? Yep.","start_word":8867,"end_word":8868,"sentiment":"neutral","sentiment_score":0.217643141746521},{"text":"Beautiful.","start_word":8869,"end_word":8869,"sentiment":"positive","sentiment_score":0.5831817388534546},{"text":"Now the other reason I am recommending that at that time we move you both into pension phase is that pension phase, whilst you are required to draw down a minimum income payment, which at the moment is needed to boost your income for your required expenditure, it's also a tax free environment. So at the moment, your supers are in the accumulation phase. It's where we're accumulating wealth. That phase of super is taxable. So your super fund pays capital gains tax. It also pays income tax.","start_word":8870,"end_word":8957,"sentiment":"neutral","sentiment_score":0.2621096670627594},{"text":"When we move into that pension phase completely and you're fully retired, that phase is completely tax free for your super fund. Your super fund no longer pays income tax or capital gains tax on changes within your investments there. So that is a positive thing as well, tax free environment. That sounds good.","start_word":8958,"end_word":9011,"sentiment":"positive","sentiment_score":0.485022485256195},{"text":"Yeah. Do you... Either of you have any questions? I know this can be a lot. You're welcome to let me know. No. So do we both have to be pension age before we get... We change over? No. So, realistically, Frank can move now. We did talk about that last time, and he kinda wanted to not because once he moves into that pension phase, you have to draw down a minimum every year.","start_word":9012,"end_word":9086,"sentiment":"neutral","sentiment_score":-0.07577873021364212},{"text":"So they they force you to take money out.","start_word":9087,"end_word":9095,"sentiment":"negative","sentiment_score":-0.3715662956237793},{"text":"We talked about that last time, and Frank decided he wanted to hold off until you were ready to retire and move into that pension phase then. Yep. If he changes his mind and wants too early, you absolutely can. It's just that, yeah, you do have to draw down a minimum... A balance from your super every year to meet that pension requirement. So if you don't need to do it yet, keeping it as it is is preferable, and then we move into pension phase. Yeah. Keep it growing as much as possible, and then we move into pension phase next year. Yeah. Yep. Yep. Okay. Yeah. I guess.","start_word":9096,"end_word":9206,"sentiment":"neutral","sentiment_score":0.03455954293409983},{"text":"Beautiful.","start_word":9207,"end_word":9207,"sentiment":"positive","sentiment_score":0.38903242349624634},{"text":"Yeah. Yeah. And, look... Oh, good. And, Robin, look, you don't That's have good. to Yep. be 67. We've sort of made mention '67 is when you were, you know, wanting to retire. But as I said, we'll do a review with you next year prior to that. If anything changes, if you wanna retire beforehand, that's absolutely fine. We'll just revisit the numbers. We'll just revisit the numbers, look at what the Centrelink drawdown looks like, and look at what you need to live on and how you draw your pension payments out. So we might just update this strategy next year as well, and that's absolutely No. fine. But this is giving you an idea of what that looks like. Okay? Yeah. Yeah.","start_word":9208,"end_word":9332,"sentiment":"neutral","sentiment_score":0.03394313529133797},{"text":"Beautiful.","start_word":9333,"end_word":9333,"sentiment":"positive","sentiment_score":0.4666740298271179},{"text":"It's giving you a bit of clarity around those income draw downs, showing you that you can draw a little bit out of your super, keep the most of it invested, and being eligible for full age pension to supplement that will give you the income you need, and you're not drawing much out of super on a yearly basis. So it'll still be invested working, growing, building, and paying down some income payments for you as well. How Yep. does that sound? Yeah. Yep. Yeah.","start_word":9334,"end_word":9419,"sentiment":"neutral","sentiment_score":0.2535872459411621},{"text":"Good. Beautiful.","start_word":9420,"end_word":9421,"sentiment":"positive","sentiment_score":0.42071279883384705},{"text":"How does that look? How's that kinda giving you a bit of clarity for the moment? Do you have any questions in relation to any of that so far? No. No. That's good. No. Beautiful. The last thing I just wanted to show you, Bryce, was on page number 59. This is the beneficiary nomination for when you do move into that pension phase. Yep.","start_word":9422,"end_word":9486,"sentiment":"neutral","sentiment_score":0.1289285123348236},{"text":"Beautiful. Now at the moment, you both have beneficiary nominations on file, and they're absolutely perfect the way they are.","start_word":9487,"end_word":9506,"sentiment":"positive","sentiment_score":0.4846331343054771},{"text":"However, when you move into that pension phase, it's good to update the beneficiary. What I'm recommending is that when you both move into that account based pension phase, we update your beneficiary nomination to be a reversionary beneficiary.","start_word":9507,"end_word":9545,"sentiment":"neutral","sentiment_score":0.25988534092903137},{"text":"These are a really cool kind of beneficiary nomination.","start_word":9546,"end_word":9554,"sentiment":"positive","sentiment_score":0.7699632048606873},{"text":"Essentially, a reversionary beneficiary is only available in the pension phase. And what that essentially does is if one of you were to then pass away, with the income drawdowns coming out of the account based pension, on the... Under a normal binding nomination, those pension payments stop, and the other staff has to claim the death benefit to be able to continue receiving money from that super fund. With a reversionary beneficiary, if Frank or Robin, if either of you were to pass away and you're receiving that regular income payment out of your super fund, that would continue without question. It would continue to your spouse. It essentially allows the income payments to continue being paid to the other member once the member has passed away without ceasing. One of the biggest things I have found in the past is that when one member passes away, your expenditure can get a little bit more. People come to town. There's funeral expenses. There's time that you need to, you know, cover up bills and funerals and things like that. People coming into town, you might be spending more on food. You might have to travel somewhere else. So those sorts of expenses tend to come out of the blue. But what doesn't stop is your regular food bills, your electricity bills, your car payments, your rates, your things like that, insurance costs. Things like those don't actually stop. They continue. So this reversionary beneficiary allows each of you to still receive the regular income drawdown from your spouse's super if they were to pass away without stopping.","start_word":9555,"end_word":9822,"sentiment":"neutral","sentiment_score":0.0808221772313118},{"text":"So it allows your expenditure to remain exactly as it is throughout that time.","start_word":9823,"end_word":9836,"sentiment":"positive","sentiment_score":0.4326377809047699},{"text":"You can also drawdown extra money when need be, which is absolutely fine, but this just continues those draw downs for you on a regular basis.","start_word":9837,"end_word":9862,"sentiment":"neutral","sentiment_score":0.31849172711372375},{"text":"So it keeps your pension payment paid down continually without stopping so that you can continue to pay for your regular expenses at that time.","start_word":9863,"end_word":9887,"sentiment":"positive","sentiment_score":0.3726450204849243},{"text":"Does that make sense? Yes. Yep. Yeah. That's just one of the things I do like about that reversionary beneficiary there. Underneath that box, you will sort of see we have the best interest duty noted there. In all of these recommendations, we've outlined the best interest Judy. It links back why we've made the recommendation and how that works for you. We've also got in there advantages, disadvantages, and risks involved of all the different strategies that you're welcome to sort of walk through and have a bit of a look at. I will just get those two tables updated for you with the balance just so that can be reflect... Reflected correctly, and I'll have this document resent out to you for signing later on. Is that okay? Yep.","start_word":9888,"end_word":10018,"sentiment":"neutral","sentiment_score":0.1374749094247818},{"text":"Sounds good. Thank you. Beautiful.","start_word":10019,"end_word":10023,"sentiment":"positive","sentiment_score":0.5375967025756836},{"text":"Do either of you have any questions at the moment at all? No. No. No. It's No? all good. Oh oh, good.","start_word":10024,"end_word":10045,"sentiment":"neutral","sentiment_score":0.0968867614865303},{"text":"Essentially, how implementation will go is nice and easy.","start_word":10046,"end_word":10054,"sentiment":"positive","sentiment_score":0.403083860874176},{"text":"Once you're happy with the recommendations, we'll get you both to sign the document. You'll send... It'll come back to us automatically. All we need to do now is the investments which within your so far so that we can, you know, change the the the menu in the back end and the investments that you're invested in. That's all that changes at the moment, and then we'll come back and review that. And then we'll do your normal annual review next year. We'll have a look at the... Either updated pension payments, what this... What Centrelink may have changed to, what your income drawdowns look like, and making sure that you're still on track to retire. And then we can update this if we need to. Worst case, if it's just a change in numbers, it could just be a simple record of advice, which would be nice and easy to update for you. But we'll review that section of it next year for you both. And if you find you wanna retire earlier, then we get to touch base on you. Just let me know, and I will come back and readjust everything for you. Is that okay? Yep. Sounds good.","start_word":10055,"end_word":10257,"sentiment":"neutral","sentiment_score":0.07396446913480759},{"text":"Thank Yep. you. Beautiful. Lovely.","start_word":10258,"end_word":10262,"sentiment":"positive","sentiment_score":0.594750702381134},{"text":"That is basically the entire document. There's nothing else to kind of mention except that you are an an ongoing client, so you pay the ongoing service fee for your both. It is 1.10% still this year. There's no implementation fees for the advice. That's all part of what we do and part of the services we provide.","start_word":10263,"end_word":10320,"sentiment":"neutral","sentiment_score":0.2057024985551834},{"text":"And the last thing is just to thank you for the opportunity. I've really enjoyed putting this together for you. So thank you for allowing me the opportunity to help you Thank you.","start_word":10321,"end_word":10353,"sentiment":"positive","sentiment_score":0.6047723889350891},{"text":"out. Not at all. I will Must let be you both a headache. go... Sorry. Must be a headache. No. Never. I really enjoy this, honestly. Feel free to take it back and have a bit of a read through it. What I'll do is I'll just get that little bit updated for you, and we'll resend the document out to you to sign. And then once you're happy to sign it, we'll get it back. Okay? Okay. So will one go to my personal email and one go to Frank's? Yeah. Yeah. So you'll get two new email links in there. Yeah. Or... Okay. Thank you.","start_word":10354,"end_word":10460,"sentiment":"neutral","sentiment_score":0.05939803645014763},{"text":"My pleasure. Thank you so much for your time. I hope you both have a lovely afternoon.","start_word":10461,"end_word":10477,"sentiment":"positive","sentiment_score":0.5200713872909546},{"text":"You too. Thank you. Thanks. See you later. Bye.","start_word":10478,"end_word":10486,"sentiment":"neutral","sentiment_score":0.242450550198555}],"average":{"sentiment":"neutral","sentiment_score":0.13350466914861686}}}}