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Is now still a good time there for you? Fantastic. Do you happen to have access to your email, sir, at the moment as well? I just normally send the document to you so you can review it with me. That's okay. You're fine. I'll just press send on this one through. That's okay. How's your morning been so far? Yeah. That is exciting. Where are you heading to? Oh, beautiful. And when are you heading up this way? Oh, lovely. This Wednesday is in in two days time, the ninth. Oh, fantastic. Oh, beautiful. Beautiful. Oh, well, hopefully, we have nice weather up here for you so you can enjoy yourself and relax. Yeah. Yeah. Absolutely. The irony is I'm actually going on holidays next week, and I'm going your way. Oh, no. It's okay. I understand that. My brother-in-law lives down in Melbourne, so we're going down there. And we thought we'd just hire a car into the Great Ocean Road with my son as well. So yeah. Yes. Yes. Yeah. No. Absolutely. All good. Just while that email is coming through to you, Kate, I just need to let you know moving forward before you run through the advice document, we do record our calls for quality and training purposes. Are you happy with me to proceed with that moving forward? Fantastic. And just do a quick security check there for you as well. I have a password on file. Do you happen to remember what that is? It is. Beautiful. Thank you. There we go. And has that email come through to you there at all as of yet? Beautiful. Excellent. So with this one here, when we sort of last caught up and you had done that withdrawal for that money to pay off the legal bills. Has that all sort of happened? Have you still got a bit of a buzz there, and how did that go getting all those legal bills out of the way? Yep. Yes. Yeah. Lovely. Excellent. Fantastic. Well, this advice piece is centered essentially around your superannuation side of things. So you have that TBD claim, and you've now got those two super funds there. There's no insurance held in either of them. So we were looking at ways to try and consolidate things for you, reassess the investments, and reduce your risk profile so that you can be working towards over the next couple of years in with one super fund and trying to make the best of your money so that when you retire at age 67, once those workers' compensation payments stop, you can start to draw down some income to support your retirement lifestyle. Does that all sound relatively appropriate so far? Yep. Excellent. When you see that document now with the email there, the first thing you'll probably see is a bit of a blurb there, and then it's also got a button that says sign. Can you see that at all? Yep. Just click on that button. It'll take you forward so you can see the document. It'll allow you to move through the document. Is that working for you? Yep. That's the one prepared for yourself. Yep. Just so it just so it takes you so you can see the statement of advice with your name on it, the date, and it'll let you move it through the pages. I don't want you to sign anything you haven't read. So is it letting you is it letting you scroll back up to the top so you can see the front of the document? Yeah. Beautiful. Beautiful. Excellent. Beautiful. So that's the front page there for you. I have on the bottom of the front page has my license information there. So I am a licensed adviser. My registration with Absa is 1304394, which you've got on the bottom there for your reference as well. Okay? Now all of our advice is valid for thirty days. So you do have some time to read it and go back and decide whether you wanna take on the recommendations. So if you do have any questions in the meantime, you're welcome to let me know. With today, I'll run you through the areas and sections that we need to. I'll probably skip a couple of pages here and there just so we're touching on the points that we need to, and then you'll get a chance to go back and reread it over as well. Okay? Beautiful. The next page has the best interest, Judy. If you can just scroll past that one and the table of contents, it'll take you down to page number three, which the heading there says scope of advice and considered. Beautiful. This is the area in which we're looking at advice here. So your goal, essentially, with superannuation is to once your workers' compensation payment sees at about age 67 that you'd like to be able to explore drawing an income from super and also looking at eligibility for the age pension to support your income retirement needs there. Now does that still sound appropriate as a goal for your superannuation? Would there be any changes in that at all? No. That's okay. We'll keep reviewing it. So things may change closer or as you get, you know, closer to that age. That's absolutely fine. We can just reevaluate that down the track. Okay? Excellent. On the next page there, we've also got the estate planning side of things in here. So one of your goals was that you needed to and wanted to update your estate planning arrangements, including having a new will and power of attorney. That was something that was on your list to do last time we sort of caught up. How have you gone with updating those details? Have you spoken to a solicitor and had any that started yet? Or oh, no. It's okay. Yep. That's absolutely. Most definitely. Excellent. Yep. Yep. Yeah. Absolutely. Yep. That's absolutely fine. Not a problem. And, I mean, they know your circumstances as well. If you've done your will with a certain solicitor previously. Sometimes it is easier to kinda go back and see them. They understand you a little bit better, and it is a very it's a very sensitive topic to sort of talk about when you are addressing estate planning. So there's nothing wrong with that. Absolutely. And then the next page outlines a limited scope. So these are areas that we are scoping in in relation to other areas. So one of the things is the retirement aspect. So because you are closer to age 67, you're in the within the time frame of us to be able to look at to a limited scope the essential what that looks like for you if you were to draw down on your super and also the age pension eligibility. This will change and can change as things as you get closer to age 67 because the age pension is assessed twice a year. And so the amount you could be eligible for plus, you know, the requirements around that could change as you get closer. But this is just looking at based on the current recommendations, what you could be able to receive and how this could work for you down the track. Okay? Beautiful. And the next couple of pages outline the areas that we're not looking at any additional advice there. So I'll get you to scroll sort of scroll through the areas around cash flow and debt. So you did do that $50,000 withdrawal earlier to cover the lawyer's fees and give you a little bit of a buffer in savings there as well. So we haven't provided advice around that. That all has been completed happily. You've also got your home loan, which you are wanting to speak to a mortgage broker and obtain a more competitive rate to sorta help you with paying that one down. This advice document isn't touching on any of those areas at the moment, but we can, down the track, provide you with some additional advice there. Page number eight, the next one is looking at the tax side of things. So you also were looking to get in touch with your tax accountant and look at getting your tax your tax returns up to date so that you could continue with the refinancing and look at getting a better rate. How have you gone doing that? Have you managed to speak to an accountant and get that sorted or in the process of doing it? No. No. I'm sorry. Yeah. Yes. Yep. Absolutely. Definitely. And then we've also got the insurance side of things scoped out as well, and that's on page number eight for you. So you did go through that total permanent disability claim, and we were looking to investigate the the note we had from Aware with regard to an income protection claim. So we did go back. We had a look at that with them to find out what had happened. It looks like, obviously, that was opened as part of the initial claiming process. However, with the TBD payout, the income protection claim was closed off, and the income protection policy was also canceled along with the life policy that's part of the way's rules that once the TBD claim is paid out, that the life policy and the income protection policy no longer exists there. So it does mean that there's no insurance because there's not funds there currently. Okay. Yep. Beautiful. We did a really good deed in a delve with that one though to find out what had gone on, what had happened, and it was really good to be able to understand their claims process and what they looked at there. But they did confirm that their income protection claim was fully closed off. And then the TPD claim was essentially paid out, and that canceled any additional insurances held within the AOS system. Okay. Excellent. And then you've also got properties. So in the next sort of three to five years three to four years, sorry, you were also looking at possibly downsizing downsizing your home, hopefully, before the age of 67, which is what you were sort of thinking about doing and prepare for future entire retirement. So we're not providing any advice around this at the moment. However, down the track, when the time comes and you do wish to downsize, we can help help you out with, you know, looking at what to do with any additional funds and seeing where they might be appropriately placed to help with your retirement lifestyle. Okay. Beautiful. And the last one that we had noted here was around page number 10, and that is just around the trust. So that, again, is more of an attack a tax accountant sort of area, but you were looking at essentially changing the way the trust was, transfer transferring your existing shareholdings between trustees where appropriate, and or buying and selling underlying shares. So that's all kind of outside of our scope. That's more in relation to a tax accountant to kind of have the the trust altered. And so we've scoped out any advice around that for the time being there as well. Okay. Perfect. Now if I can get you to scroll down for me, just the page number. Sorry. I'm just scrolling through ahead of you. Just the page number 16. I'll start taking you through these recommendations. Yeah. You're fine. Not a problem at all. So, essentially, with this one here, I had a look at your super, both the hub 24 and Aware and all the different platforms out there to sort of look at how we could have things structured for you. So because Aware no longer has the insurances within the fund, I am recommending that we do close off the Aware Fund and roll everything into Hub twenty four. Retaining Hub twenty four means that we can adjust the portfolio. So when I looked at the different platforms and the different funds out there, Hub twenty four has a lot more different investment options. So it means that we're able to retain that fund and complete switches and change the investments within your super fund to suit you, and Hub twenty four's platform allows us to do so by holding. They hold just over 1,100 different investment options, so it does work really well for you. So what we're recommending is that we do consolidate the funds, move everything into hub twenty four. I'm also recommending that you do redirect your workers' compensation employer and, technically, their employer contributions into hub twenty four as well, and we'll provide you with the form to do so. Essentially, how I'd love to see this happen for you to make it easier on you, and we can sort of do it slowly so that you get to have your holiday first to make it easier. But, essentially, what we'll do is we'll start by completing an investment switch. So we're gonna also change the investments within your superannuation fund. At at the moment, you're in more of a growth environment, and we wanted to we talked about maybe reducing the risk essentially start by just doing an investment switch, changing the underlying investments within your HUD twenty four super account. We'll keep the aware open for the time being, and we'll give you the contributions form so that you can form so that you can provide that to your workers' compensation contact person, have them change that so that they are paid into hub twenty four. Once we see those contributions changed, then we can close off the Aware Super and roll the funds over. I wanted to kinda do it as slow because you have a lot happening and because it does encompass the workers' compensation side of things. We didn't wanna we didn't wanna close off Aware until we can see those contributions moved. It makes the process a lot more streamlined for yourself doing things at a slower pace, but also making sure that you that those those employer contributions, the workers' compensation super contributions aren't missed in any way. That way, we don't have to it's it just sort of makes it a lot easier for yourself, essentially. But we are just gonna start by doing an investment switch retaining Hub twenty four and changing the underlying investments. One of the reasons I kinda wanna do that is because I had noticed that some of the investments have been underperforming a little bit, but also because we're reducing the risk level for you as well. Essentially, you're about sort of five to six years out from accessing those super. And, realistically, if anything happened and you needed funds beforehand, you're able to access it now because you're over the age of 60. So reducing your risk level is also appropriate as you get closer to accessing those funds and wanting to draw out on your super as well. Does that make sense so far? Yeah. Beautiful. If I can get you to go down to page 21 for me, I can show you the recommendations and numbers around that to make it easier as well. Beautiful. 21. The heading on there should be fee comparison. Yep. Beautiful. And please, if any of this, you know, is a little bit much or you need me to slow down or you need me to answer any questions, Kate, you're welcome to interrupt me and let me know. Okay? Beautiful. So the fee comparison table here breaks down the center of the recommendations. The two first columns are your hub twenty four and the aware. So your current scenario, your current where your super is currently, essentially. You've got your balances between the two accounts there. And within the two super funds, you're paying administration fees, investment fees, your ongoing service fee for us looking after everything comes out of hub twenty four, and you've also got your workers' compensation contributions going into the aware things that are currently there. Okay? Underneath that, you're in the investor profile, which is the second column from the bottom, and that shows that at the moment you're in that growth environment. As a growth investor, you tend to see about 80% of your super in those growth investments. So think about things like Australian shares, international shares, property, and also precious metals like gold and silk silver there as well. That growth environment suit someone who has at least six years before accessing their super. And when we sort of last spoke last time, you're a bit more comfortable with reducing the risk level, starting to step that down a little bit as you get closer to accessing super. So we're protecting more of your capital in the end of the day and hoping to see less market fluctuations, less ups and downs in the market, which was more your comfort level. So what you'll see in the recommended is the third column along, but we're looking to consolidate everything in the hub 24. You can see the expected balance once that has been completed. One of the other things I like to point out and if you look at the next column, you'll see there's a number there, the 1,092. As I kinda mentioned before, part of what I wanna do with the recommendations is to be able to alter your Whenever we do look at the research and change investments within a super fund, we know there's gonna be capital gains consequences for your super. So just like you, your super fund every year does a tax return. It pays income tax and capital gains tax on investments as well. By the switch, and I'll take you through what it looks like in a second, But, essentially, in order to make the switch within Hub '24, we estimate based on the research, your super fund would pay capital gains of $1,092. Okay? Beautiful. Does that make sense? Do you have any questions so far? That's okay. Beautiful. You'll also then see with the recommended there, you've got the administration fee. That essentially is just slightly more because we're moving everything into Hub twenty four, but then you've also got the investment fee underneath that. At the moment, within the two funds, you're paying 2,004 for the investment fee from Hub twenty four and $156 from Aware. By consolidating everything in this newer portfolio, the investment fee is expected to be $719. So you're essentially gonna save $1,441 on the investment fee, which is a pretty decent saving. That's next to 14 $141 that should stay in your super fund working for harder for you over the longer term there, which is positive. Yep. The essentially, it's a savings, so you'll you'll save money on investment fees. It's gonna be cheaper in this newer portfolio and to consolidate the funds, which works better for you. Okay. Yeah. And then you've also got the ongoing service fee consolidating everything, having it in one place, and we charge an ongoing service fee of 1.65%. That's for having us look after the super, look after the investments, make sure we're reinvesting funds on a regular basis, and also provide an updated price for you as well. So that essentially comes out of the hub twenty four super account, and it is based on the balance in the account there as well. And then we'll get you to also contribute to move your workers' compensation contributions over to hub twenty four as well. So everything's in that one place there for you. Okay? Beautiful. Now underneath that, again, looking at the investor profile, the newer portfolio will be balanced growth. So we are reducing the risk level. It's essentially stepping down about 10% risk level wise. The older portfolio in the growth environment between the two funds was averaged about 5.45%, which wasn't bad. However, the newer portfolio has averaged about 9.35%. So, essentially, we've looked at putting you into a portfolio with investments within the super fund, which are lowering the risk level for you but have also shown greater past performance, which over time with the consolidation and the reduction in investment fees can also put you in a much better place down the track there as well. Does that make sense? Yeah. Underneath that table is your projection table. It sort of shows you the difference between the two. We're staying where you currently are with the two funds and how it all is structured at the moment. Over the next five to six years, you could see a bit over 427,000 or 437,000 in super over the next sort of six years. However, by consolidating everything, saving on investment fees, lowering the risk level, and seeing a greater performance, which is possible with the newer portfolio, you could essentially see yourself up over 500,000 in the next five to six years, which puts you in a much greater better position and gives you more funds to be able to retire on down the track there as well. Yeah. Beautiful. You are? I'm glad. If I can get you to scroll down for me just to page number 23, I'll take you through the investment changes as well. Beautiful. There we go. This has a lot going on. That's why I sort of like to send the document to you. But you'll essentially see here the first column outlines the two different funds, AWARE and then hub twenty four. It's also got all the different investment options noted there for you. It does go over onto the next page there a little bit as well. The second column has what's called an API code. This is essentially a ticker code or a registration code, which we use to buy and sell the investments. The next column is your current weighting. So that's how much of your super you have invested in each of these as a dollar figure. The column we wanna sort of look at is your buy sell column, which is the next one. It has the red and green areas there. Essentially, anything red is what we're gonna be selling down, and anything green is what we're gonna be buying into for you. Yep. So, realistically, when we have a look at this, in order to consolidate, we'll be selling off everything within the Aware Super, and that'll all be transferred into Hub 24. Within the Hub 24, which is the if you go down to that section there, you'll see with the physical gold, we've only got we wanna hold about 10%, so we'll buy some more physical gold. And in order to alter the portfolio, we'll be selling off the silver. Has done really well, but has been very up and down this year as well. The Bannalong Equities is an investment that's been underperforming very heavily within your portfolio, and we don't wanna hold anything. It's underperforming. So we're also gonna remove the Bannalong Australian Equities. The Vanguard diversified index is gonna be gone there as well, so fully selling that off. Then underneath that, you've got the BetaShares cybersecurity. That one there, we still wanna hold some of the investment. We wanna only wanna hold 4% at the moment. You're a little bit overexposed. You have too much. So as part of reducing risk level, we're just gonna sell some of that off so you only hold 4% in your portfolio. The one underneath that is the Global x battery and lithium tech. That one there is more of a themed exchange traded funds. So that one there in a portfolio is meant to generate good returns, but it's also taking on a bit more risk in the portfolio. And part of what we're doing is reducing your risk levels. So we'll be selling all of that off. And the same thing with the MorningStar Global Tech, that one's gonna come out completely as well. Again, we're reducing the risk levels. So looking to try and obtain good returns, but making sure you're taking on too much risk in the market and having too many of those volatile up and down investments that can make you quite nervous. Okay? So then underneath that, you've got the iShares Europe, and this one here is giving you exposure to all the European countries. Part of reducing risk is about diversifying your portfolio, so investing in all the different countries and asset classes, but trying to do it in a way that's low cost and provides good exposure. The iShares Europe has seen really good returns, is a very cheap investment to hold, and so we wanna hold 7% of that investment for you. Okay? Underneath that, you've got the s and p 500. This is giving you exposure to the top 500 companies on The US market. We wanna hold about 25%, so we need to buy a little bit more of that investment within your portfolio. Okay? You've also got the iShares Asia exposure. We're gonna be selling that completely off. We're still gonna hold Asia exposure, but we're gonna hold it another way for you. Okay? Underneath that, and this is on the next page if you scroll down slightly, you've got the Vanguard Australian fixed interest. This is giving you exposure to fixed interest or defensive assets. We are still gonna hold defensive assets, but this one hasn't really been performing very well. So we're gonna remove that completely from your portfolio. And then the last sort of areas there are showing you what we're gonna be buying into to complete your portfolio. So we just wanna hold some Japanese exposure. We're gonna hold 3%, so it means buying in December 11,000 of that investment. And then to give you diversification and to give you exposure to the entire globe, we're going to have the Vanguard all world ex US investment. We wanna hold 7% of that investment, and that's giving you exposure to the entire globe as to all the different countries, both established markets, but also up and coming markets. The only one that's not included is The US Of A, and that's because we hold the S and P 500 above there for you. Okay? Beautiful. And then underneath that, because we have gotten rid of the Benelon Australian Equities, we still wanna hold a bit more Australian investments. So we've got the BetaShares Australia 200. This is giving you exposure to the top 200 companies on the Australian ASX market. It has had much better track record and hasn't underperformed as badly as Bennelong has. So we're going to remove the Bennelong, get rid of the underperforming investments, put this in its place. It gives you more diversification, and it helps to lower your risk level, but also making sure you hold some Australian investments there as well. Okay? Excellent. And the last one there is the ICS called composite bonds. This is giving you exposure to both government and corporate bonds as well as some other fixed interest and defensive assets across the globe as well and will hold 24% there for you. So part of reducing the risk level is increasing your defensive exposure, And defensive investments are low risk. They tend to get a lower rate of return, but they're also good for income producing. What we wanna see from not only defensive assets, but your entire portfolio is that dividends are paid out to your cash account within the Superfund. That way, the money is received and reinvested back into your portfolio, and that helps with the compounding effect towards your retirement goals there as well. Okay. Yeah. That that can be a lot. Do you have any questions about any of those investments, Kate? Yeah. That's perfect. Perfect. Perfect. And then underneath that, you've got another table there which has your cash account. It essentially shows at the moment you've got about 7,000 sitting in cash there. We only ever wanna hold a minimum amount of cash, so 1.25%. So we'll take a bit over $2,200, and we'll just reinvest that back into your portfolio for you as well. Okay. Beautiful. Excellent. The next page, if you can go down to, is page number 26 there for me. Now when we sort of looked at the scoping side of things, remember I sort of talked about how we scoped into a limited scope looking at the retirement aspect. So because you're still about five to six years away from accessing your super and we're still growing your super, we don't sort of do a full recommendation on how much you can draw down and on what basis to cover your retirement. That is all looked at in a much in-depth area when we get to retirement. However, just looking at where you're tracking now gives you a bit of an idea of what you can expect based on our current recommendations. And while this can definitely change, it's just sort of showing you what the light at the end of the tunnel could look like based on our current project projected outcome for you. Okay? Beautiful. So with this page here, we're essentially looking at, you know, at a comfortable basis. And this is just looking at a retirement income of, say, $52,000 a year, so a thousand dollars per week from the age of 67. And it sort of shows that at the moment, you could be drawing down that income amount from 67 and also encompassing some age age pension because you're showing eligibility for that as well from age 67 onwards, and that you could realistically be drawing that income plus accessing your age pension, up until around about age 90 to 91. Up until around about age 90 to 91. So it is giving you longevity out of your super, and it is providing the income requirement of about $52,000 per year up to about age 92 currently. Okay? Yeah. So it is showing that you can draw the income needed. You'll also get some age pension to supplement, and you should still get some longevity out of your super. I would love to see this build even more because you might wanna take holidays, overseas trips, and other things, and take money out for Christmas presents and things like that as well. So I'd love to build and sort of grow on this and make sure it works a harder for you. However, it does sort of show that based on this, you can draw the income based on an average, you know, $52,000 a year and still have your super last a fairly day fairly good time horizon And, also, have eligibility for Centrelink, which is good as well because, you know, being able to draw some Centrelink and some super does also make super last a little bit longer. And, also, the age pension from age 67 onwards gives you access to, you know, the health care cards and things like that, which also can help reduce your expenditure on a regular basis. Yeah. So that worked out quite well. Do you have any questions about that so far? No. That's okay. That's all good. And then the next page onwards is just about recommending that you do speak to a solicitor and have your will and power of attorneys updated. It takes you through the reasoning behind doing so, the advantages, disadvantages, and the risks involved. Just making sure that if in the event that anything was to happen to you, that your will, your power of attorney, and any other estate planning documents are up to date to make sure that your your wishes are reflective and that, you know, your your everything you've worked so hard for is directed to where you wanted to go in the event that something was to happen to you. Okay. Beautiful. Nice. Excellent. The only other thing I'd like to sort of take you through, if you can go down a little bit further for me, is just down to, sorry, page number 37. And this shows you how we would implement the advice to make it a bit easier for you. Beautiful. This is this is essentially a step by step guide as to how we implement the advice. So the first one is and you're welcome to take this back, have a bit of a read through the document. Let me know if you do happen to have any questions. But, essentially, if you're happy to take on the advice, we do ask that you sign and return that back there for me. Once we receive this back, our team will start by just doing an investment switch. So within Hub twenty four, we will make the changes to the investments as of that one above there for you. And then we'll also make sure that we give you the contributions form. And if you can just provide that to the contact you have for the workers' compensation, we will leave the aware open until we see those contributions change. I wanna take this a little bit slower for you because it is dealing with the workers' compensation team, and they could take a little bit longer to have that switch completed. So it is worth just going a bit slower for this one. So then we'll give you that form. You provide that to them. We can also if you wanted to give us the the details of the person, we can cc you into the email, and we can also email them the information as well. We'll work within what your comfort level is to have that completed. But once we essentially see those contributions move to hub twenty four, then we'll do the final rollover. We'll close off the Aware Super and consolidate everything over, and the funds within the Aware Super will then also be invested within the portfolio outlined in here for you. And then the last step is just making sure you do speak to a solicitor. As you kinda mentioned, I guess, having your daughter help you to make the appointment. Alternatively, we could also refer you through to someone if you'd like to as well. So that's essentially how we would do this. We'll take it in nice easy steps, let you know what we're doing, when we're doing it, and how it goes just so that everything works in your comfort level. We can also essentially hold off a lot of this until you have your holiday just so you can take some time to enjoy yourself. If you do decide to sign and return this back in the next few days, we'll just do the investment switch, and then I can get the team to hold off sending anything to you or doing anything further until after your holiday to make it easier on you as well if you'd like. Okay. Beautiful. Beautiful. Look. That is essentially everything. I know it can be a lot. Is there any questions that are coming up that you wanted me to kind of answer or any anything you kind of wanted to have me break down a bit further for you at all? Yep. Yeah. It does. Yeah. So with the the buy sell, did you mean the buy sell page at the very top of the red and green that we went through? Yep. Yep. So you'll see at the top there, and that's on page number 23. It has all the red. So the selling of all the investments within the aware, and that money is all put into hub 24 and reinvested below. Yeah. That's okay. Yeah. That's excellent. Lovely. Well, I'll let you go to have a bit of a read through it. Feel free to take some time. I know it can be a lot when we're going through it together, so you're welcome to take it back when you've got some time. Now make yourself a cup of tea. You're welcome to read through the document. We've outlined the strategies there in a few additional pages that I haven't kind of touched on. But as you do read through the strategies, we've outlined the advantages and disadvantages of risks involved and also the best interest duty as well, which relates it back to your goal and notes how and why we've made that recommendation there for you. So I touch on a lot of that as I'm going through those pages, but it's also noted in there for you so you can take some time to read it over if you like as well. Okay. Beautiful. Oh, that's okay. I can note that in the back end if you like. That's absolutely fine. What's the share portfolio? Oh, okay. Beautiful. So 300,000 there. That's okay. I'll note that in the back end there for you, and we'll make sure that that is updated for the future. For the time being, it doesn't have any current reflecting on the advice, which is good, but I will make sure that is updated in the back end for you for future reference. Okay. Yeah. Well, at the moment, it won't because having a look. Yeah. It's close. But at the moment, it's not doing too bad. At the moment, it wouldn't but when you get to age 67, we'll definitely reassess that, and we can look at how to best structure everything to make sure that we can shelter any additional assets that we need to to maximize a age pension eligibility for you. So closer closer to we'll make sure we look at that. The good thing I like about the age pension system is that they readjust the rates or reassess the rates twice a year around the March 20 and September, but they also tend to increase or alter the the eligibility criteria, so your threshold for your assets and income as well. So in between now and age 67, they could also increase those thresholds, which means we get we can hold more assets before they start to reduce or alter how much age pension you're eligible for. So I'll make a note of that, and we'll definitely, as we get closer to it, reassess that for you. And when you get to age 67, we'll look at your drawdown, what you've got in super, how we structure that, how much age pension you're eligible for based on everything, and then how much we draw out of super. And we'll have a much more in-depth detail look at your retirement goals and how that looks for you and how we draw that down. How does that sound? Yep. Fantastic. Excellent. Well, thank you so much for that. Look. I appreciate your time today. Thank you for taking my call. My pleasure. It is. Absolutely. Absolutely. And, please, I know this can be a lot. It can be overwhelming. So if it ever is, just let me know. We can slow it down or try to make it as slow as easy as you for you today. We can always slow it down even further, take it step by step, and we'll definitely come back and review it. So what I would like to do is make sure that in six months, you and I have another catch up if we don't have one beforehand just to see how things are going with the implementation, but also in your life and look at whether any new advice needs to be updated at that time as well. Does that sound okay with you? Yep. Fantastic, Catherine. Absolutely. Yes. She is. That was Michelle. Michelle is still here. She is? Yes, she is really very beautiful. She has just stepped yeah. No. She is still definitely here. She has just stepped aside to take on another role. I've got Samantha here now assisting me in this role. We we do the admins tend to sort of take move around a little bit, take on different roles and try different things because it is such a very administration is very broad for the area in this role in this finance industry. But Michelle is still here. I still love her, still see her every day, and I'll let her know that you passed on that fantastic feedback for her. Yep. She is. She yeah. Absolutely. I will. But, no, she still sits very close to me every day. She's just taking on a little bit of a side step to learn some new areas within our our job and within the financial planning administration areas. So yeah. Absolutely. Absolutely. Absolutely. I will. Yeah. Oh, that's good. She is. I will. Absolutely. Absolutely. No. She is really truly beautiful. Yeah. Yep. Lovely. That's okay. Yes. Lovely. I will I will look after you, and I'll make sure I catch up with you. And I'll keep you on track. I promise. Okay? Thank you, Catherine. Enjoy your holiday. Absolutely. Absolutely. I will be away as of next week. They're still coming to the office. The team here are beautiful. They'd love to meet you. Michelle will still be here. And yeah. Thanks, Kate. Talk to you soon. Thanks. See you later. 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Kate. This is Dana from OQ Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in to go through your updated statement of advice. Is now still a good time there for you? Fantastic. Do you happen to have access to your email, sir, at the moment as well? I just normally send the document to you so you can review it with me.\n\nThat's okay. You're fine. I'll just press send on this one through. That's okay. How's your morning been so far?\n\nYeah. That is exciting. Where are you heading to? Oh, beautiful. And when are you heading up this way?\n\nOh, lovely. This Wednesday is in in two days time, the ninth. Oh, fantastic. Oh, beautiful. Beautiful.\n\nOh, well, hopefully, we have nice weather up here for you so you can enjoy yourself and relax. Yeah. Yeah. Absolutely. The irony is I'm actually going on holidays next week, and I'm going your way.\n\nOh, no. It's okay. I understand that. My brother-in-law lives down in Melbourne, so we're going down there. And we thought we'd just hire a car into the Great Ocean Road with my son as well.\n\nSo yeah. Yes. Yes. Yeah. No.\n\nAbsolutely. All good. Just while that email is coming through to you, Kate, I just need to let you know moving forward before you run through the advice document, we do record our calls for quality and training purposes. Are you happy with me to proceed with that moving forward? Fantastic.\n\nAnd just do a quick security check there for you as well. I have a password on file. Do you happen to remember what that is? It is. Beautiful.\n\nThank you. There we go. And has that email come through to you there at all as of yet? Beautiful. Excellent.\n\nSo with this one here, when we sort of last caught up and you had done that withdrawal for that money to pay off the legal bills. Has that all sort of happened? Have you still got a bit of a buzz there, and how did that go getting all those legal bills out of the way? Yep. Yes.\n\nYeah. Lovely. Excellent. Fantastic. Well, this advice piece is centered essentially around your superannuation side of things.\n\nSo you have that TBD claim, and you've now got those two super funds there. There's no insurance held in either of them. So we were looking at ways to try and consolidate things for you, reassess the investments, and reduce your risk profile so that you can be working towards over the next couple of years in with one super fund and trying to make the best of your money so that when you retire at age 67, once those workers' compensation payments stop, you can start to draw down some income to support your retirement lifestyle. Does that all sound relatively appropriate so far? Yep.\n\nExcellent. When you see that document now with the email there, the first thing you'll probably see is a bit of a blurb there, and then it's also got a button that says sign. Can you see that at all? Yep. Just click on that button.\n\nIt'll take you forward so you can see the document. It'll allow you to move through the document. Is that working for you? Yep. That's the one prepared for yourself.\n\nYep. Just so it just so it takes you so you can see the statement of advice with your name on it, the date, and it'll let you move it through the pages. I don't want you to sign anything you haven't read. So is it letting you is it letting you scroll back up to the top so you can see the front of the document? Yeah.\n\nBeautiful. Beautiful. Excellent. Beautiful. So that's the front page there for you.\n\nI have on the bottom of the front page has my license information there. So I am a licensed adviser. My registration with Absa is 1304394, which you've got on the bottom there for your reference as well. Okay? Now all of our advice is valid for thirty days.\n\nSo you do have some time to read it and go back and decide whether you wanna take on the recommendations. So if you do have any questions in the meantime, you're welcome to let me know. With today, I'll run you through the areas and sections that we need to. I'll probably skip a couple of pages here and there just so we're touching on the points that we need to, and then you'll get a chance to go back and reread it over as well. Okay?\n\nBeautiful. The next page has the best interest, Judy. If you can just scroll past that one and the table of contents, it'll take you down to page number three, which the heading there says scope of advice and considered. Beautiful. This is the area in which we're looking at advice here.\n\nSo your goal, essentially, with superannuation is to once your workers' compensation payment sees at about age 67 that you'd like to be able to explore drawing an income from super and also looking at eligibility for the age pension to support your income retirement needs there. Now does that still sound appropriate as a goal for your superannuation? Would there be any changes in that at all? No. That's okay.\n\nWe'll keep reviewing it. So things may change closer or as you get, you know, closer to that age. That's absolutely fine. We can just reevaluate that down the track. Okay?\n\nExcellent. On the next page there, we've also got the estate planning side of things in here. So one of your goals was that you needed to and wanted to update your estate planning arrangements, including having a new will and power of attorney. That was something that was on your list to do last time we sort of caught up. How have you gone with updating those details?\n\nHave you spoken to a solicitor and had any that started yet? Or oh, no. It's okay. Yep. That's absolutely.\n\nMost definitely. Excellent. Yep. Yep. Yeah.\n\nAbsolutely. Yep. That's absolutely fine. Not a problem. And, I mean, they know your circumstances as well.\n\nIf you've done your will with a certain solicitor previously. Sometimes it is easier to kinda go back and see them. They understand you a little bit better, and it is a very it's a very sensitive topic to sort of talk about when you are addressing estate planning. So there's nothing wrong with that. Absolutely.\n\nAnd then the next page outlines a limited scope. So these are areas that we are scoping in in relation to other areas. So one of the things is the retirement aspect. So because you are closer to age 67, you're in the within the time frame of us to be able to look at to a limited scope the essential what that looks like for you if you were to draw down on your super and also the age pension eligibility. This will change and can change as things as you get closer to age 67 because the age pension is assessed twice a year.\n\nAnd so the amount you could be eligible for plus, you know, the requirements around that could change as you get closer. But this is just looking at based on the current recommendations, what you could be able to receive and how this could work for you down the track. Okay? Beautiful. And the next couple of pages outline the areas that we're not looking at any additional advice there.\n\nSo I'll get you to scroll sort of scroll through the areas around cash flow and debt. So you did do that $50,000 withdrawal earlier to cover the lawyer's fees and give you a little bit of a buffer in savings there as well. So we haven't provided advice around that. That all has been completed happily. You've also got your home loan, which you are wanting to speak to a mortgage broker and obtain a more competitive rate to sorta help you with paying that one down.\n\nThis advice document isn't touching on any of those areas at the moment, but we can, down the track, provide you with some additional advice there. Page number eight, the next one is looking at the tax side of things. So you also were looking to get in touch with your tax accountant and look at getting your tax your tax returns up to date so that you could continue with the refinancing and look at getting a better rate. How have you gone doing that? Have you managed to speak to an accountant and get that sorted or in the process of doing it?\n\nNo. No. I'm sorry. Yeah. Yes.\n\nYep. Absolutely. Definitely. And then we've also got the insurance side of things scoped out as well, and that's on page number eight for you. So you did go through that total permanent disability claim, and we were looking to investigate the the note we had from Aware with regard to an income protection claim.\n\nSo we did go back. We had a look at that with them to find out what had happened. It looks like, obviously, that was opened as part of the initial claiming process. However, with the TBD payout, the income protection claim was closed off, and the income protection policy was also canceled along with the life policy that's part of the way's rules that once the TBD claim is paid out, that the life policy and the income protection policy no longer exists there. So it does mean that there's no insurance because there's not funds there currently.\n\nOkay. Yep. Beautiful. We did a really good deed in a delve with that one though to find out what had gone on, what had happened, and it was really good to be able to understand their claims process and what they looked at there. But they did confirm that their income protection claim was fully closed off.\n\nAnd then the TPD claim was essentially paid out, and that canceled any additional insurances held within the AOS system. Okay. Excellent. And then you've also got properties. So in the next sort of three to five years three to four years, sorry, you were also looking at possibly downsizing downsizing your home, hopefully, before the age of 67, which is what you were sort of thinking about doing and prepare for future entire retirement.\n\nSo we're not providing any advice around this at the moment. However, down the track, when the time comes and you do wish to downsize, we can help help you out with, you know, looking at what to do with any additional funds and seeing where they might be appropriately placed to help with your retirement lifestyle. Okay. Beautiful. And the last one that we had noted here was around page number 10, and that is just around the trust.\n\nSo that, again, is more of an attack a tax accountant sort of area, but you were looking at essentially changing the way the trust was, transfer transferring your existing shareholdings between trustees where appropriate, and or buying and selling underlying shares. So that's all kind of outside of our scope. That's more in relation to a tax accountant to kind of have the the trust altered. And so we've scoped out any advice around that for the time being there as well. Okay.\n\nPerfect. Now if I can get you to scroll down for me, just the page number. Sorry. I'm just scrolling through ahead of you. Just the page number 16.\n\nI'll start taking you through these recommendations. Yeah. You're fine. Not a problem at all. So, essentially, with this one here, I had a look at your super, both the hub 24 and Aware and all the different platforms out there to sort of look at how we could have things structured for you.\n\nSo because Aware no longer has the insurances within the fund, I am recommending that we do close off the Aware Fund and roll everything into Hub twenty four. Retaining Hub twenty four means that we can adjust the portfolio. So when I looked at the different platforms and the different funds out there, Hub twenty four has a lot more different investment options. So it means that we're able to retain that fund and complete switches and change the investments within your super fund to suit you, and Hub twenty four's platform allows us to do so by holding. They hold just over 1,100 different investment options, so it does work really well for you.\n\nSo what we're recommending is that we do consolidate the funds, move everything into hub twenty four. I'm also recommending that you do redirect your workers' compensation employer and, technically, their employer contributions into hub twenty four as well, and we'll provide you with the form to do so. Essentially, how I'd love to see this happen for you to make it easier on you, and we can sort of do it slowly so that you get to have your holiday first to make it easier. But, essentially, what we'll do is we'll start by completing an investment switch. So we're gonna also change the investments within your superannuation fund.\n\nAt at the moment, you're in more of a growth environment, and we wanted to we talked about maybe reducing the risk essentially start by just doing an investment switch, changing the underlying investments within your HUD twenty four super account. We'll keep the aware open for the time being, and we'll give you the contributions form so that you can form so that you can provide that to your workers' compensation contact person, have them change that so that they are paid into hub twenty four. Once we see those contributions changed, then we can close off the Aware Super and roll the funds over. I wanted to kinda do it as slow because you have a lot happening and because it does encompass the workers' compensation side of things. We didn't wanna we didn't wanna close off Aware until we can see those contributions moved.\n\nIt makes the process a lot more streamlined for yourself doing things at a slower pace, but also making sure that you that those those employer contributions, the workers' compensation super contributions aren't missed in any way. That way, we don't have to it's it just sort of makes it a lot easier for yourself, essentially. But we are just gonna start by doing an investment switch retaining Hub twenty four and changing the underlying investments. One of the reasons I kinda wanna do that is because I had noticed that some of the investments have been underperforming a little bit, but also because we're reducing the risk level for you as well. Essentially, you're about sort of five to six years out from accessing those super.\n\nAnd, realistically, if anything happened and you needed funds beforehand, you're able to access it now because you're over the age of 60. So reducing your risk level is also appropriate as you get closer to accessing those funds and wanting to draw out on your super as well. Does that make sense so far? Yeah. Beautiful.\n\nIf I can get you to go down to page 21 for me, I can show you the recommendations and numbers around that to make it easier as well. Beautiful. 21. The heading on there should be fee comparison. Yep.\n\nBeautiful. And please, if any of this, you know, is a little bit much or you need me to slow down or you need me to answer any questions, Kate, you're welcome to interrupt me and let me know. Okay? Beautiful. So the fee comparison table here breaks down the center of the recommendations.\n\nThe two first columns are your hub twenty four and the aware. So your current scenario, your current where your super is currently, essentially. You've got your balances between the two accounts there. And within the two super funds, you're paying administration fees, investment fees, your ongoing service fee for us looking after everything comes out of hub twenty four, and you've also got your workers' compensation contributions going into the aware things that are currently there. Okay?\n\nUnderneath that, you're in the investor profile, which is the second column from the bottom, and that shows that at the moment you're in that growth environment. As a growth investor, you tend to see about 80% of your super in those growth investments. So think about things like Australian shares, international shares, property, and also precious metals like gold and silk silver there as well. That growth environment suit someone who has at least six years before accessing their super. And when we sort of last spoke last time, you're a bit more comfortable with reducing the risk level, starting to step that down a little bit as you get closer to accessing super.\n\nSo we're protecting more of your capital in the end of the day and hoping to see less market fluctuations, less ups and downs in the market, which was more your comfort level. So what you'll see in the recommended is the third column along, but we're looking to consolidate everything in the hub 24. You can see the expected balance once that has been completed. One of the other things I like to point out and if you look at the next column, you'll see there's a number there, the 1,092. As I kinda mentioned before, part of what I wanna do with the recommendations is to be able to alter your Whenever we do look at the research and change investments within a super fund, we know there's gonna be capital gains consequences for your super.\n\nSo just like you, your super fund every year does a tax return. It pays income tax and capital gains tax on investments as well. By the switch, and I'll take you through what it looks like in a second, But, essentially, in order to make the switch within Hub '24, we estimate based on the research, your super fund would pay capital gains of $1,092. Okay? Beautiful.\n\nDoes that make sense? Do you have any questions so far? That's okay. Beautiful. You'll also then see with the recommended there, you've got the administration fee.\n\nThat essentially is just slightly more because we're moving everything into Hub twenty four, but then you've also got the investment fee underneath that. At the moment, within the two funds, you're paying 2,004 for the investment fee from Hub twenty four and $156 from Aware. By consolidating everything in this newer portfolio, the investment fee is expected to be $719. So you're essentially gonna save $1,441 on the investment fee, which is a pretty decent saving. That's next to 14 $141 that should stay in your super fund working for harder for you over the longer term there, which is positive.\n\nYep. The essentially, it's a savings, so you'll you'll save money on investment fees. It's gonna be cheaper in this newer portfolio and to consolidate the funds, which works better for you. Okay. Yeah.\n\nAnd then you've also got the ongoing service fee consolidating everything, having it in one place, and we charge an ongoing service fee of 1.65%. That's for having us look after the super, look after the investments, make sure we're reinvesting funds on a regular basis, and also provide an updated price for you as well. So that essentially comes out of the hub twenty four super account, and it is based on the balance in the account there as well. And then we'll get you to also contribute to move your workers' compensation contributions over to hub twenty four as well. So everything's in that one place there for you.\n\nOkay? Beautiful. Now underneath that, again, looking at the investor profile, the newer portfolio will be balanced growth. So we are reducing the risk level. It's essentially stepping down about 10% risk level wise.\n\nThe older portfolio in the growth environment between the two funds was averaged about 5.45%, which wasn't bad. However, the newer portfolio has averaged about 9.35%. So, essentially, we've looked at putting you into a portfolio with investments within the super fund, which are lowering the risk level for you but have also shown greater past performance, which over time with the consolidation and the reduction in investment fees can also put you in a much better place down the track there as well. Does that make sense? Yeah.\n\nUnderneath that table is your projection table. It sort of shows you the difference between the two. We're staying where you currently are with the two funds and how it all is structured at the moment. Over the next five to six years, you could see a bit over 427,000 or 437,000 in super over the next sort of six years. However, by consolidating everything, saving on investment fees, lowering the risk level, and seeing a greater performance, which is possible with the newer portfolio, you could essentially see yourself up over 500,000 in the next five to six years, which puts you in a much greater better position and gives you more funds to be able to retire on down the track there as well.\n\nYeah. Beautiful. You are? I'm glad. If I can get you to scroll down for me just to page number 23, I'll take you through the investment changes as well.\n\nBeautiful. There we go. This has a lot going on. That's why I sort of like to send the document to you. But you'll essentially see here the first column outlines the two different funds, AWARE and then hub twenty four.\n\nIt's also got all the different investment options noted there for you. It does go over onto the next page there a little bit as well. The second column has what's called an API code. This is essentially a ticker code or a registration code, which we use to buy and sell the investments. The next column is your current weighting.\n\nSo that's how much of your super you have invested in each of these as a dollar figure. The column we wanna sort of look at is your buy sell column, which is the next one. It has the red and green areas there. Essentially, anything red is what we're gonna be selling down, and anything green is what we're gonna be buying into for you. Yep.\n\nSo, realistically, when we have a look at this, in order to consolidate, we'll be selling off everything within the Aware Super, and that'll all be transferred into Hub 24. Within the Hub 24, which is the if you go down to that section there, you'll see with the physical gold, we've only got we wanna hold about 10%, so we'll buy some more physical gold. And in order to alter the portfolio, we'll be selling off the silver. Has done really well, but has been very up and down this year as well. The Bannalong Equities is an investment that's been underperforming very heavily within your portfolio, and we don't wanna hold anything.\n\nIt's underperforming. So we're also gonna remove the Bannalong Australian Equities. The Vanguard diversified index is gonna be gone there as well, so fully selling that off. Then underneath that, you've got the BetaShares cybersecurity. That one there, we still wanna hold some of the investment.\n\nWe wanna only wanna hold 4% at the moment. You're a little bit overexposed. You have too much. So as part of reducing risk level, we're just gonna sell some of that off so you only hold 4% in your portfolio. The one underneath that is the Global x battery and lithium tech.\n\nThat one there is more of a themed exchange traded funds. So that one there in a portfolio is meant to generate good returns, but it's also taking on a bit more risk in the portfolio. And part of what we're doing is reducing your risk levels. So we'll be selling all of that off. And the same thing with the MorningStar Global Tech, that one's gonna come out completely as well.\n\nAgain, we're reducing the risk levels. So looking to try and obtain good returns, but making sure you're taking on too much risk in the market and having too many of those volatile up and down investments that can make you quite nervous. Okay? So then underneath that, you've got the iShares Europe, and this one here is giving you exposure to all the European countries. Part of reducing risk is about diversifying your portfolio, so investing in all the different countries and asset classes, but trying to do it in a way that's low cost and provides good exposure.\n\nThe iShares Europe has seen really good returns, is a very cheap investment to hold, and so we wanna hold 7% of that investment for you. Okay? Underneath that, you've got the s and p 500. This is giving you exposure to the top 500 companies on The US market. We wanna hold about 25%, so we need to buy a little bit more of that investment within your portfolio.\n\nOkay? You've also got the iShares Asia exposure. We're gonna be selling that completely off. We're still gonna hold Asia exposure, but we're gonna hold it another way for you. Okay?\n\nUnderneath that, and this is on the next page if you scroll down slightly, you've got the Vanguard Australian fixed interest. This is giving you exposure to fixed interest or defensive assets. We are still gonna hold defensive assets, but this one hasn't really been performing very well. So we're gonna remove that completely from your portfolio. And then the last sort of areas there are showing you what we're gonna be buying into to complete your portfolio.\n\nSo we just wanna hold some Japanese exposure. We're gonna hold 3%, so it means buying in December 11,000 of that investment. And then to give you diversification and to give you exposure to the entire globe, we're going to have the Vanguard all world ex US investment. We wanna hold 7% of that investment, and that's giving you exposure to the entire globe as to all the different countries, both established markets, but also up and coming markets. The only one that's not included is The US Of A, and that's because we hold the S and P 500 above there for you.\n\nOkay? Beautiful. And then underneath that, because we have gotten rid of the Benelon Australian Equities, we still wanna hold a bit more Australian investments. So we've got the BetaShares Australia 200. This is giving you exposure to the top 200 companies on the Australian ASX market.\n\nIt has had much better track record and hasn't underperformed as badly as Bennelong has. So we're going to remove the Bennelong, get rid of the underperforming investments, put this in its place. It gives you more diversification, and it helps to lower your risk level, but also making sure you hold some Australian investments there as well. Okay? Excellent.\n\nAnd the last one there is the ICS called composite bonds. This is giving you exposure to both government and corporate bonds as well as some other fixed interest and defensive assets across the globe as well and will hold 24% there for you. So part of reducing the risk level is increasing your defensive exposure, And defensive investments are low risk. They tend to get a lower rate of return, but they're also good for income producing. What we wanna see from not only defensive assets, but your entire portfolio is that dividends are paid out to your cash account within the Superfund.\n\nThat way, the money is received and reinvested back into your portfolio, and that helps with the compounding effect towards your retirement goals there as well. Okay. Yeah. That that can be a lot. Do you have any questions about any of those investments, Kate?\n\nYeah. That's perfect. Perfect. Perfect. And then underneath that, you've got another table there which has your cash account.\n\nIt essentially shows at the moment you've got about 7,000 sitting in cash there. We only ever wanna hold a minimum amount of cash, so 1.25%. So we'll take a bit over $2,200, and we'll just reinvest that back into your portfolio for you as well. Okay. Beautiful.\n\nExcellent. The next page, if you can go down to, is page number 26 there for me. Now when we sort of looked at the scoping side of things, remember I sort of talked about how we scoped into a limited scope looking at the retirement aspect. So because you're still about five to six years away from accessing your super and we're still growing your super, we don't sort of do a full recommendation on how much you can draw down and on what basis to cover your retirement. That is all looked at in a much in-depth area when we get to retirement.\n\nHowever, just looking at where you're tracking now gives you a bit of an idea of what you can expect based on our current recommendations. And while this can definitely change, it's just sort of showing you what the light at the end of the tunnel could look like based on our current project projected outcome for you. Okay? Beautiful. So with this page here, we're essentially looking at, you know, at a comfortable basis.\n\nAnd this is just looking at a retirement income of, say, $52,000 a year, so a thousand dollars per week from the age of 67. And it sort of shows that at the moment, you could be drawing down that income amount from 67 and also encompassing some age age pension because you're showing eligibility for that as well from age 67 onwards, and that you could realistically be drawing that income plus accessing your age pension, up until around about age 90 to 91. Up until around about age 90 to 91. So it is giving you longevity out of your super, and it is providing the income requirement of about $52,000 per year up to about age 92 currently. Okay?\n\nYeah. So it is showing that you can draw the income needed. You'll also get some age pension to supplement, and you should still get some longevity out of your super. I would love to see this build even more because you might wanna take holidays, overseas trips, and other things, and take money out for Christmas presents and things like that as well. So I'd love to build and sort of grow on this and make sure it works a harder for you.\n\nHowever, it does sort of show that based on this, you can draw the income based on an average, you know, $52,000 a year and still have your super last a fairly day fairly good time horizon And, also, have eligibility for Centrelink, which is good as well because, you know, being able to draw some Centrelink and some super does also make super last a little bit longer. And, also, the age pension from age 67 onwards gives you access to, you know, the health care cards and things like that, which also can help reduce your expenditure on a regular basis. Yeah. So that worked out quite well. Do you have any questions about that so far?\n\nNo. That's okay. That's all good. And then the next page onwards is just about recommending that you do speak to a solicitor and have your will and power of attorneys updated. It takes you through the reasoning behind doing so, the advantages, disadvantages, and the risks involved.\n\nJust making sure that if in the event that anything was to happen to you, that your will, your power of attorney, and any other estate planning documents are up to date to make sure that your your wishes are reflective and that, you know, your your everything you've worked so hard for is directed to where you wanted to go in the event that something was to happen to you. Okay. Beautiful. Nice. Excellent.\n\nThe only other thing I'd like to sort of take you through, if you can go down a little bit further for me, is just down to, sorry, page number 37. And this shows you how we would implement the advice to make it a bit easier for you. Beautiful. This is this is essentially a step by step guide as to how we implement the advice. So the first one is and you're welcome to take this back, have a bit of a read through the document.\n\nLet me know if you do happen to have any questions. But, essentially, if you're happy to take on the advice, we do ask that you sign and return that back there for me. Once we receive this back, our team will start by just doing an investment switch. So within Hub twenty four, we will make the changes to the investments as of that one above there for you. And then we'll also make sure that we give you the contributions form.\n\nAnd if you can just provide that to the contact you have for the workers' compensation, we will leave the aware open until we see those contributions change. I wanna take this a little bit slower for you because it is dealing with the workers' compensation team, and they could take a little bit longer to have that switch completed. So it is worth just going a bit slower for this one. So then we'll give you that form. You provide that to them.\n\nWe can also if you wanted to give us the the details of the person, we can cc you into the email, and we can also email them the information as well. We'll work within what your comfort level is to have that completed. But once we essentially see those contributions move to hub twenty four, then we'll do the final rollover. We'll close off the Aware Super and consolidate everything over, and the funds within the Aware Super will then also be invested within the portfolio outlined in here for you. And then the last step is just making sure you do speak to a solicitor.\n\nAs you kinda mentioned, I guess, having your daughter help you to make the appointment. Alternatively, we could also refer you through to someone if you'd like to as well. So that's essentially how we would do this. We'll take it in nice easy steps, let you know what we're doing, when we're doing it, and how it goes just so that everything works in your comfort level. We can also essentially hold off a lot of this until you have your holiday just so you can take some time to enjoy yourself.\n\nIf you do decide to sign and return this back in the next few days, we'll just do the investment switch, and then I can get the team to hold off sending anything to you or doing anything further until after your holiday to make it easier on you as well if you'd like. Okay. Beautiful. Beautiful. Look.\n\nThat is essentially everything. I know it can be a lot. Is there any questions that are coming up that you wanted me to kind of answer or any anything you kind of wanted to have me break down a bit further for you at all? Yep. Yeah.\n\nIt does. Yeah. So with the the buy sell, did you mean the buy sell page at the very top of the red and green that we went through? Yep. Yep.\n\nSo you'll see at the top there, and that's on page number 23. It has all the red. So the selling of all the investments within the aware, and that money is all put into hub 24 and reinvested below. Yeah. That's okay.\n\nYeah. That's excellent. Lovely. Well, I'll let you go to have a bit of a read through it. Feel free to take some time.\n\nI know it can be a lot when we're going through it together, so you're welcome to take it back when you've got some time. Now make yourself a cup of tea. You're welcome to read through the document. We've outlined the strategies there in a few additional pages that I haven't kind of touched on. But as you do read through the strategies, we've outlined the advantages and disadvantages of risks involved and also the best interest duty as well, which relates it back to your goal and notes how and why we've made that recommendation there for you.\n\nSo I touch on a lot of that as I'm going through those pages, but it's also noted in there for you so you can take some time to read it over if you like as well. Okay. Beautiful. Oh, that's okay. I can note that in the back end if you like.\n\nThat's absolutely fine. What's the share portfolio? Oh, okay. Beautiful. So 300,000 there.\n\nThat's okay. I'll note that in the back end there for you, and we'll make sure that that is updated for the future. For the time being, it doesn't have any current reflecting on the advice, which is good, but I will make sure that is updated in the back end for you for future reference. Okay. Yeah.\n\nWell, at the moment, it won't because having a look. Yeah. It's close. But at the moment, it's not doing too bad. At the moment, it wouldn't but when you get to age 67, we'll definitely reassess that, and we can look at how to best structure everything to make sure that we can shelter any additional assets that we need to to maximize a age pension eligibility for you.\n\nSo closer closer to we'll make sure we look at that. The good thing I like about the age pension system is that they readjust the rates or reassess the rates twice a year around the March 20 and September, but they also tend to increase or alter the the eligibility criteria, so your threshold for your assets and income as well. So in between now and age 67, they could also increase those thresholds, which means we get we can hold more assets before they start to reduce or alter how much age pension you're eligible for. So I'll make a note of that, and we'll definitely, as we get closer to it, reassess that for you. And when you get to age 67, we'll look at your drawdown, what you've got in super, how we structure that, how much age pension you're eligible for based on everything, and then how much we draw out of super.\n\nAnd we'll have a much more in-depth detail look at your retirement goals and how that looks for you and how we draw that down. How does that sound? Yep. Fantastic. Excellent.\n\nWell, thank you so much for that. Look. I appreciate your time today. Thank you for taking my call. My pleasure.\n\nIt is. Absolutely. Absolutely. And, please, I know this can be a lot. It can be overwhelming.\n\nSo if it ever is, just let me know. We can slow it down or try to make it as slow as easy as you for you today. We can always slow it down even further, take it step by step, and we'll definitely come back and review it. So what I would like to do is make sure that in six months, you and I have another catch up if we don't have one beforehand just to see how things are going with the implementation, but also in your life and look at whether any new advice needs to be updated at that time as well. Does that sound okay with you?\n\nYep. Fantastic, Catherine. Absolutely. Yes. She is.\n\nThat was Michelle. Michelle is still here. She is? Yes, she is really very beautiful. She has just stepped yeah.\n\nNo. She is still definitely here. She has just stepped aside to take on another role. I've got Samantha here now assisting me in this role. We we do the admins tend to sort of take move around a little bit, take on different roles and try different things because it is such a very administration is very broad for the area in this role in this finance industry.\n\nBut Michelle is still here. I still love her, still see her every day, and I'll let her know that you passed on that fantastic feedback for her. Yep. She is. She yeah.\n\nAbsolutely. I will. But, no, she still sits very close to me every day. She's just taking on a little bit of a side step to learn some new areas within our our job and within the financial planning administration areas. So yeah.\n\nAbsolutely. Absolutely. Absolutely. I will. Yeah.\n\nOh, that's good. She is. I will. Absolutely. Absolutely.\n\nNo. She is really truly beautiful. Yeah. Yep. Lovely.\n\nThat's okay. Yes. Lovely. I will I will look after you, and I'll make sure I catch up with you. And I'll keep you on track.\n\nI promise. Okay? Thank you, Catherine. Enjoy your holiday. Absolutely.\n\nAbsolutely. I will be away as of next week. They're still coming to the office. The team here are beautiful. They'd love to meet you.\n\nMichelle will still be here. And yeah. Thanks, Kate. Talk to you soon. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kate.","start":2.96,"end":3.52,"sentiment":"neutral","sentiment_score":0.15423408150672913},{"text":"This is Dana from OQ Financial.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.19046562165021896},{"text":"How are you today?","start":5.3599997,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.23253298550844193},{"text":"I'm very well.","start":8.4,"end":9.28,"sentiment":"positive","sentiment_score":0.66152024269104},{"text":"Thank you.","start":9.28,"end":9.599999,"sentiment":"positive","sentiment_score":0.7155717015266418}],"sentiment":"positive","sentiment_score":0.3410057627102908,"num_words":17,"start":2.96,"end":9.599999},{"sentences":[{"text":"I had you booked in to go through your updated statement of advice.","start":9.599999,"end":12.32,"sentiment":"positive","sentiment_score":0.3372832238674164},{"text":"Is now still a good time there for you?","start":12.32,"end":14.42,"sentiment":"neutral","sentiment_score":0.28431034915977055},{"text":"Fantastic.","start":15.764999,"end":16.265,"sentiment":"positive","sentiment_score":0.6516260504722595},{"text":"Do you happen to have access to your email, sir, at the moment as well?","start":17.285,"end":20.005,"sentiment":"neutral","sentiment_score":0.18348743716875712},{"text":"I just normally send the document to you so you can review it with me.","start":20.005,"end":23.384998,"sentiment":"neutral","sentiment_score":0.09894488925735155}],"sentiment":"neutral","sentiment_score":0.22323747169015543,"num_words":53,"start":9.599999,"end":23.384998},{"sentences":[{"text":"That's okay.","start":28.244999,"end":29.044998,"sentiment":"neutral","sentiment_score":0.09729935228824615},{"text":"You're fine.","start":29.044998,"end":29.605,"sentiment":"neutral","sentiment_score":0.12669219076633453},{"text":"I'll just press send on this one through.","start":29.605,"end":33.91,"sentiment":"neutral","sentiment_score":0.06881527602672577},{"text":"That's okay.","start":33.91,"end":34.79,"sentiment":"neutral","sentiment_score":0.147116981446743},{"text":"How's your morning been so far?","start":34.79,"end":36.73,"sentiment":"neutral","sentiment_score":0.11762891585628192}],"sentiment":"neutral","sentiment_score":0.09992563761770726,"num_words":20,"start":28.244999,"end":36.73},{"sentences":[{"text":"Yeah.","start":39.27,"end":39.77,"sentiment":"neutral","sentiment_score":0.2451835721731186},{"text":"That is exciting.","start":43.67,"end":44.65,"sentiment":"positive","sentiment_score":0.5764322678248087},{"text":"Where are you heading to?","start":44.79,"end":46.25,"sentiment":"neutral","sentiment_score":0.04849093034863472},{"text":"Oh, beautiful.","start":48.175,"end":49.795,"sentiment":"positive","sentiment_score":0.33647674322128296},{"text":"And when are you heading up this way?","start":50.015,"end":51.795,"sentiment":"neutral","sentiment_score":0.05087038176134229}],"sentiment":"neutral","sentiment_score":0.17351850357494855,"num_words":19,"start":39.27,"end":51.795},{"sentences":[{"text":"Oh, lovely.","start":55.055,"end":55.635,"sentiment":"neutral","sentiment_score":0.2596893459558487},{"text":"This Wednesday is in in two days time, the ninth.","start":56.415,"end":58.995,"sentiment":"neutral","sentiment_score":0.05735144279897213},{"text":"Oh, fantastic.","start":61.41,"end":62.31,"sentiment":"positive","sentiment_score":0.436375692486763},{"text":"Oh, beautiful.","start":67.57,"end":68.71,"sentiment":"positive","sentiment_score":0.45438411831855774},{"text":"Beautiful.","start":69.33,"end":69.83,"sentiment":"positive","sentiment_score":0.5113641619682312}],"sentiment":"neutral","sentiment_score":0.19916334726354656,"num_words":17,"start":55.055,"end":69.83},{"sentences":[{"text":"Oh, well, hopefully, we have nice weather up here for you so you can enjoy yourself and relax.","start":71.57,"end":75.99,"sentiment":"positive","sentiment_score":0.41402367916372085},{"text":"Yeah.","start":83.575,"end":84.05499,"sentiment":"neutral","sentiment_score":0.055777657777071},{"text":"Yeah.","start":84.05499,"end":84.55499,"sentiment":"neutral","sentiment_score":0.09789066016674042},{"text":"Absolutely.","start":84.774994,"end":85.274994,"sentiment":"neutral","sentiment_score":0.21715843677520752},{"text":"The irony is I'm actually going on holidays next week, and I'm going your way.","start":86.774994,"end":90.795,"sentiment":"neutral","sentiment_score":0.12427895218133926}],"sentiment":"neutral","sentiment_score":0.26909547951072454,"num_words":36,"start":71.57,"end":90.795},{"sentences":[{"text":"Oh, no.","start":95.689995,"end":96.17,"sentiment":"neutral","sentiment_score":-0.0512587483972311},{"text":"It's okay.","start":96.17,"end":96.89,"sentiment":"neutral","sentiment_score":0.006285873823799193},{"text":"I understand that.","start":96.89,"end":97.77,"sentiment":"neutral","sentiment_score":0.028858988856275875},{"text":"My brother-in-law lives down in Melbourne, so we're going down there.","start":97.77,"end":100.81,"sentiment":"neutral","sentiment_score":0.054617345333099365},{"text":"And we thought we'd just hire a car into the Great Ocean Road with my son as well.","start":100.81,"end":104.729996,"sentiment":"neutral","sentiment_score":0.10905495368772083}],"sentiment":"neutral","sentiment_score":0.07112253284625088,"num_words":36,"start":95.689995,"end":104.729996},{"sentences":[{"text":"So yeah.","start":104.729996,"end":105.71,"sentiment":"neutral","sentiment_score":0.10368507727980614},{"text":"Yes.","start":107.765,"end":108.265,"sentiment":"neutral","sentiment_score":0.16359521448612213},{"text":"Yes.","start":109.924995,"end":110.424995,"sentiment":"neutral","sentiment_score":0.021630264818668365},{"text":"Yeah.","start":115.845,"end":116.345,"sentiment":"neutral","sentiment_score":0.028539251536130905},{"text":"No.","start":116.485,"end":116.884995,"sentiment":"neutral","sentiment_score":-0.03276507183909416}],"sentiment":"neutral","sentiment_score":0.06472830226023991,"num_words":6,"start":104.729996,"end":116.884995},{"sentences":[{"text":"Absolutely.","start":116.884995,"end":117.384995,"sentiment":"neutral","sentiment_score":0.0525837279856205},{"text":"All good.","start":118.244995,"end":118.985,"sentiment":"neutral","sentiment_score":0.0710260677151382},{"text":"Just while that email is coming through to you, Kate, I just need to let you know moving forward before you run through the advice document, we do record our calls for quality and training purposes.","start":119.81,"end":127.65,"sentiment":"neutral","sentiment_score":0.06470929945094718},{"text":"Are you happy with me to proceed with that moving forward?","start":127.65,"end":130.31,"sentiment":"neutral","sentiment_score":0.22179231183095413},{"text":"Fantastic.","start":131.97,"end":132.47,"sentiment":"positive","sentiment_score":0.6890066862106323}],"sentiment":"neutral","sentiment_score":0.11084103450982594,"num_words":51,"start":116.884995,"end":132.47},{"sentences":[{"text":"And just do a quick security check there for you as well.","start":132.69,"end":135.195,"sentiment":"neutral","sentiment_score":0.25994832441210747},{"text":"I have a password on file.","start":135.195,"end":136.795,"sentiment":"neutral","sentiment_score":0.08063161994020145},{"text":"Do you happen to remember what that is?","start":136.795,"end":138.815,"sentiment":"neutral","sentiment_score":0.05254677915945649},{"text":"It is.","start":141.675,"end":142.41501,"sentiment":"neutral","sentiment_score":0.06556238606572151},{"text":"Beautiful.","start":143.99501,"end":144.49501,"sentiment":"positive","sentiment_score":0.4701556563377381}],"sentiment":"neutral","sentiment_score":0.1594766991148735,"num_words":29,"start":132.69,"end":144.49501},{"sentences":[{"text":"Thank you.","start":144.795,"end":145.615,"sentiment":"positive","sentiment_score":0.4898052215576172},{"text":"There we go.","start":148.37,"end":149.35,"sentiment":"neutral","sentiment_score":0.13805735607941946},{"text":"And has that email come through to you there at all as of yet?","start":150.29001,"end":153.51,"sentiment":"neutral","sentiment_score":0.02820531451808555},{"text":"Beautiful.","start":154.69,"end":155.19,"sentiment":"positive","sentiment_score":0.406464546918869},{"text":"Excellent.","start":155.41,"end":155.91,"sentiment":"positive","sentiment_score":0.3583158254623413}],"sentiment":"neutral","sentiment_score":0.12159225176132861,"num_words":21,"start":144.795,"end":155.91},{"sentences":[{"text":"So with this one here, when we sort of last caught up and you had done that withdrawal for that money to pay off the legal bills.","start":156.05,"end":162.805,"sentiment":"neutral","sentiment_score":0.015935421610871952},{"text":"Has that all sort of happened?","start":163.42499,"end":164.86499,"sentiment":"neutral","sentiment_score":-0.017381877327958744},{"text":"Have you still got a bit of a buzz there, and how did that go getting all those legal bills out of the way?","start":164.86499,"end":169.92499,"sentiment":"neutral","sentiment_score":-0.013161258151133856},{"text":"Yep.","start":173.50499,"end":173.91,"sentiment":"neutral","sentiment_score":0.028260275721549988},{"text":"Yes.","start":183.27,"end":183.77,"sentiment":"neutral","sentiment_score":0.014284683391451836}],"sentiment":"neutral","sentiment_score":0.000892201406975924,"num_words":59,"start":156.05,"end":183.77},{"sentences":[{"text":"Yeah.","start":184.47,"end":184.95,"sentiment":"neutral","sentiment_score":0.1280728280544281},{"text":"Lovely.","start":184.95,"end":185.45,"sentiment":"positive","sentiment_score":0.3493225574493408},{"text":"Excellent.","start":185.51001,"end":186.01001,"sentiment":"positive","sentiment_score":0.4337711334228515},{"text":"Fantastic.","start":186.23001,"end":186.73001,"sentiment":"positive","sentiment_score":0.42736735939979553},{"text":"Well, this advice piece is centered essentially around your superannuation side of things.","start":187.445,"end":191.445,"sentiment":"neutral","sentiment_score":0.1329856996352856}],"sentiment":"neutral","sentiment_score":0.1804322337403017,"num_words":17,"start":184.47,"end":191.445},{"sentences":[{"text":"So you have that TBD claim, and you've now got those two super funds there.","start":191.445,"end":197.125,"sentiment":"neutral","sentiment_score":0.08059130571782588},{"text":"There's no insurance held in either of them.","start":197.125,"end":199.205,"sentiment":"neutral","sentiment_score":0.014826226979494095},{"text":"So we were looking at ways to try and consolidate things for you, reassess the investments, and reduce your risk profile so that you can be working towards over the next couple of years in with one super fund and trying to make the best of your money so that when you retire at age 67, once those workers' compensation payments stop, you can start to draw down some income to support your retirement lifestyle.","start":199.205,"end":221.355,"sentiment":"neutral","sentiment_score":0.12031945874293645},{"text":"Does that all sound relatively appropriate so far?","start":221.495,"end":224.315,"sentiment":"neutral","sentiment_score":0.0750545714981854},{"text":"Yep.","start":225.095,"end":225.595,"sentiment":"neutral","sentiment_score":0.15730047225952148}],"sentiment":"neutral","sentiment_score":0.1038240733791456,"num_words":107,"start":191.445,"end":225.595},{"sentences":[{"text":"Excellent.","start":225.815,"end":226.315,"sentiment":"neutral","sentiment_score":0.2902354896068573},{"text":"When you see that document now with the email there, the first thing you'll probably see is a bit of a blurb there, and then it's also got a button that says sign.","start":227.255,"end":235.5,"sentiment":"neutral","sentiment_score":0.07043308719541087},{"text":"Can you see that at all?","start":235.56,"end":237.1,"sentiment":"neutral","sentiment_score":0.0254524452611804},{"text":"Yep.","start":237.24,"end":237.72,"sentiment":"neutral","sentiment_score":0.04727637022733688},{"text":"Just click on that button.","start":237.72,"end":238.92,"sentiment":"neutral","sentiment_score":0.11947079300880432}],"sentiment":"neutral","sentiment_score":0.07417113856290994,"num_words":46,"start":225.815,"end":238.92},{"sentences":[{"text":"It'll take you forward so you can see the document.","start":238.92,"end":241.18001,"sentiment":"neutral","sentiment_score":0.11573036685585976},{"text":"It'll allow you to move through the document.","start":243.40001,"end":245.5,"sentiment":"neutral","sentiment_score":0.11031216289848089},{"text":"Is that working for you?","start":250.465,"end":252.08499,"sentiment":"neutral","sentiment_score":0.1401742935180664},{"text":"Yep.","start":253.265,"end":253.765,"sentiment":"neutral","sentiment_score":0.046998344361782074},{"text":"That's the one prepared for yourself.","start":254.14499,"end":256.005,"sentiment":"neutral","sentiment_score":0.061765531077980995}],"sentiment":"neutral","sentiment_score":0.10527546567221482,"num_words":30,"start":238.92,"end":256.005},{"sentences":[{"text":"Yep.","start":258.145,"end":258.625,"sentiment":"neutral","sentiment_score":0.027886029332876205},{"text":"Just so it just so it takes you so you can see the statement of advice with your name on it, the date, and it'll let you move it through the pages.","start":258.625,"end":266.84998,"sentiment":"neutral","sentiment_score":0.06703342715627514},{"text":"I don't want you to sign anything you haven't read.","start":266.84998,"end":269.25,"sentiment":"neutral","sentiment_score":-0.33306691199541094},{"text":"So is it letting you is it letting you scroll back up to the top so you can see the front of the document?","start":269.25,"end":280.475,"sentiment":"neutral","sentiment_score":0.011259338081193468},{"text":"Yeah.","start":280.535,"end":281.015,"sentiment":"neutral","sentiment_score":0.10440828651189804}],"sentiment":"neutral","sentiment_score":-0.011515897369998343,"num_words":68,"start":258.145,"end":281.015},{"sentences":[{"text":"Beautiful.","start":281.015,"end":281.515,"sentiment":"positive","sentiment_score":0.4381519258022308},{"text":"Beautiful.","start":281.655,"end":282.155,"sentiment":"positive","sentiment_score":0.6452226042747498},{"text":"Excellent.","start":282.61502,"end":283.11502,"sentiment":"positive","sentiment_score":0.6789044141769409},{"text":"Beautiful.","start":289.09,"end":289.59,"sentiment":"positive","sentiment_score":0.5502943396568298},{"text":"So that's the front page there for you.","start":289.73,"end":291.61,"sentiment":"neutral","sentiment_score":0.2671520207077265}],"sentiment":"positive","sentiment_score":0.37081578746438026,"num_words":12,"start":281.015,"end":291.61},{"sentences":[{"text":"I have on the bottom of the front page has my license information there.","start":291.61,"end":294.85,"sentiment":"neutral","sentiment_score":0.10121507783021245},{"text":"So I am a licensed adviser.","start":294.85,"end":296.71,"sentiment":"neutral","sentiment_score":0.09843010579546292},{"text":"My registration with Absa is 1304394, which you've got on the bottom there for your reference as well.","start":297.09,"end":303.09,"sentiment":"neutral","sentiment_score":0.16390221855706638},{"text":"Okay?","start":303.09,"end":303.59,"sentiment":"neutral","sentiment_score":0.1559416949748993},{"text":"Now all of our advice is valid for thirty days.","start":304.845,"end":307.245,"sentiment":"neutral","sentiment_score":0.1770071342587471}],"sentiment":"neutral","sentiment_score":0.14048662644867993,"num_words":49,"start":291.61,"end":307.245},{"sentences":[{"text":"So you do have some time to read it and go back and decide whether you wanna take on the recommendations.","start":307.245,"end":311.505,"sentiment":"neutral","sentiment_score":0.2021657590355192},{"text":"So if you do have any questions in the meantime, you're welcome to let me know.","start":311.645,"end":315.185,"sentiment":"neutral","sentiment_score":0.30586483236402273},{"text":"With today, I'll run you through the areas and sections that we need to.","start":315.485,"end":320.01202,"sentiment":"neutral","sentiment_score":0.17285092494317464},{"text":"I'll probably skip a couple of pages here and there just so we're touching on the points that we need to, and then you'll get a chance to go back and reread it over as well.","start":320.01202,"end":326.30002,"sentiment":"neutral","sentiment_score":0.1395551794105106},{"text":"Okay?","start":326.30002,"end":326.80002,"sentiment":"neutral","sentiment_score":0.12155117839574814}],"sentiment":"neutral","sentiment_score":0.18982691868123683,"num_words":88,"start":307.245,"end":326.80002},{"sentences":[{"text":"Beautiful.","start":328.7,"end":329.2,"sentiment":"positive","sentiment_score":0.6356556415557861},{"text":"The next page has the best interest, Judy.","start":329.98,"end":331.9,"sentiment":"positive","sentiment_score":0.39236072823405266},{"text":"If you can just scroll past that one and the table of contents, it'll take you down to page number three, which the heading there says scope of advice and considered.","start":331.9,"end":340.36502,"sentiment":"neutral","sentiment_score":0.18724549778046146},{"text":"Beautiful.","start":342.265,"end":342.765,"sentiment":"positive","sentiment_score":0.6004253029823303},{"text":"This is the area in which 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up.","start":396.605,"end":400.605,"sentiment":"neutral","sentiment_score":0.03571214987074628},{"text":"How have you gone with updating those details?","start":400.605,"end":403.005,"sentiment":"neutral","sentiment_score":0.06896325992420316}],"sentiment":"neutral","sentiment_score":0.10257520645424939,"num_words":69,"start":383.61,"end":403.005},{"sentences":[{"text":"Have you spoken to a solicitor and had any that started yet?","start":403.005,"end":406.04,"sentiment":"neutral","sentiment_score":0.0143549800850451},{"text":"Or oh, no.","start":409.38,"end":410.68,"sentiment":"neutral","sentiment_score":-0.03762231767177582},{"text":"It's okay.","start":414.5,"end":415.32,"sentiment":"neutral","sentiment_score":0.14476336538791656},{"text":"Yep.","start":416.26,"end":416.76,"sentiment":"neutral","sentiment_score":0.1152317225933075},{"text":"That's absolutely.","start":418.66,"end":419.905,"sentiment":"neutral","sentiment_score":0.05371846631169319}],"sentiment":"neutral","sentiment_score":0.028579409699887037,"num_words":20,"start":403.005,"end":419.905},{"sentences":[{"text":"Most definitely.","start":420.76498,"end":421.66498,"sentiment":"neutral","sentiment_score":-0.0030195023864507675},{"text":"Excellent.","start":422.44498,"end":422.94498,"sentiment":"neutral","sentiment_score":0.10653595626354218},{"text":"Yep.","start":426.44498,"end":426.94498,"sentiment":"neutral","sentiment_score":-0.09299615025520323},{"text":"Yep.","start":428.925,"end":429.425,"sentiment":"neutral","sentiment_score":-0.06314535439014435},{"text":"Yeah.","start":431.485,"end":431.76,"sentiment":"neutral","sentiment_score":-0.029873549938201904}],"sentiment":"neutral","sentiment_score":-0.014253017182151474,"num_words":6,"start":420.76498,"end":431.76},{"sentences":[{"text":"Absolutely.","start":435.36002,"end":435.86002,"sentiment":"neutral","sentiment_score":0.02877403423190117},{"text":"Yep.","start":436.48,"end":436.80002,"sentiment":"neutral","sentiment_score":0.015117011032998562},{"text":"That's absolutely fine.","start":436.80002,"end":438.26,"sentiment":"neutral","sentiment_score":0.010975671311219534},{"text":"Not a problem.","start":438.64,"end":439.36002,"sentiment":"neutral","sentiment_score":0.06399411583940189},{"text":"And, I mean, they know your circumstances as well.","start":439.36002,"end":441.44,"sentiment":"neutral","sentiment_score":-0.007416031633814176}],"sentiment":"neutral","sentiment_score":0.01188565423602567,"num_words":17,"start":435.36002,"end":441.44},{"sentences":[{"text":"If you've done your will with a certain solicitor previously.","start":441.44,"end":444.625,"sentiment":"neutral","sentiment_score":-0.01026508235372603},{"text":"Sometimes it is easier to kinda go back and see them.","start":444.625,"end":447.025,"sentiment":"neutral","sentiment_score":-0.0004937479441816157},{"text":"They understand you a little bit better, and it is a very it's a very sensitive topic to sort of talk about when you are addressing estate planning.","start":447.025,"end":454.805,"sentiment":"neutral","sentiment_score":-0.15316161327064037},{"text":"So there's nothing wrong with that.","start":454.865,"end":457.025,"sentiment":"neutral","sentiment_score":0.07940132543444633},{"text":"Absolutely.","start":457.025,"end":457.525,"sentiment":"neutral","sentiment_score":0.11274354159832}],"sentiment":"neutral","sentiment_score":-0.06799028086243197,"num_words":56,"start":441.44,"end":457.525},{"sentences":[{"text":"And then the next page outlines a limited scope.","start":458.62,"end":461.41998,"sentiment":"neutral","sentiment_score":-0.01482338665260209},{"text":"So these are areas that we are scoping in in relation to other areas.","start":461.41998,"end":465.25998,"sentiment":"neutral","sentiment_score":0.01709320941673858},{"text":"So one of the things is the retirement aspect.","start":465.25998,"end":467.34,"sentiment":"neutral","sentiment_score":0.06191786171661483},{"text":"So because you are closer to age 67, you're in the within the time frame of us to be able to look at to a limited scope the essential what that looks like for you if you were to draw down on your super and also the age pension eligibility.","start":467.34,"end":483.23502,"sentiment":"neutral","sentiment_score":0.06121575728058815},{"text":"This will change and can change as things as you get closer to age 67 because the age pension is assessed twice a year.","start":484.015,"end":491.68,"sentiment":"neutral","sentiment_score":0.056464409145216145}],"sentiment":"neutral","sentiment_score":0.04791593293325519,"num_words":106,"start":458.62,"end":491.68},{"sentences":[{"text":"And so the amount you could be eligible for plus, you know, the requirements around that could change as you get closer.","start":492.13998,"end":498.3,"sentiment":"neutral","sentiment_score":0.0794266505505551},{"text":"But this is just looking at based on the current recommendations, what you could be able to receive and how this could work for you down the track.","start":498.3,"end":505.76498,"sentiment":"neutral","sentiment_score":0.19384782521852426},{"text":"Okay?","start":505.76498,"end":506.26498,"sentiment":"neutral","sentiment_score":0.12784776091575625},{"text":"Beautiful.","start":507.845,"end":508.345,"sentiment":"positive","sentiment_score":0.6908360719680786},{"text":"And the next couple of pages outline the areas that we're not looking at any additional advice there.","start":509.04498,"end":513.52496,"sentiment":"neutral","sentiment_score":0.07896165177226067}],"sentiment":"neutral","sentiment_score":0.13450169975736312,"num_words":70,"start":492.13998,"end":513.52496},{"sentences":[{"text":"So I'll get you to scroll sort of scroll through the areas around cash flow and debt.","start":513.52496,"end":518.505,"sentiment":"neutral","sentiment_score":0.05405176003627917},{"text":"So you did do that $50,000 withdrawal earlier to cover the lawyer's fees and give you a little bit of a buffer in savings there as well.","start":518.87,"end":526.55,"sentiment":"neutral","sentiment_score":0.17170062605981473},{"text":"So we haven't provided advice around that.","start":526.55,"end":528.63,"sentiment":"neutral","sentiment_score":0.03216766991785595},{"text":"That all has been completed happily.","start":528.63,"end":530.57,"sentiment":"positive","sentiment_score":0.5416886359453201},{"text":"You've also got your home loan, which you are wanting to speak to a mortgage broker and obtain a more competitive rate to sorta help you with paying that one down.","start":531.315,"end":540.135,"sentiment":"neutral","sentiment_score":0.2891279516681548}],"sentiment":"neutral","sentiment_score":0.20446669126183473,"num_words":88,"start":513.52496,"end":540.135},{"sentences":[{"text":"This advice document isn't touching on any of those areas at the moment, but we can, down the track, provide you with some additional advice there.","start":540.435,"end":548.01,"sentiment":"neutral","sentiment_score":0.08082187139930633},{"text":"Page number eight, the next one is looking at the tax side of things.","start":549.51,"end":552.63,"sentiment":"neutral","sentiment_score":0.032260987242417674},{"text":"So you also were looking to get in touch with your tax accountant and look at getting your tax your tax returns up to date so that you could continue with the refinancing and look at getting a better rate.","start":552.63,"end":565.745,"sentiment":"neutral","sentiment_score":0.13848368534818292},{"text":"How have you gone doing that?","start":566.205,"end":567.565,"sentiment":"neutral","sentiment_score":0.08499581863482793},{"text":"Have you managed to speak to an accountant and get that sorted or in the process of doing it?","start":567.565,"end":573.19995,"sentiment":"neutral","sentiment_score":-0.0019490574731638557}],"sentiment":"neutral","sentiment_score":0.08157440677639984,"num_words":105,"start":540.435,"end":573.19995},{"sentences":[{"text":"No.","start":574.3,"end":574.8,"sentiment":"neutral","sentiment_score":-0.1967636346817017},{"text":"No.","start":577.57996,"end":577.82,"sentiment":"neutral","sentiment_score":-0.2569241523742676},{"text":"I'm sorry.","start":577.82,"end":578.56,"sentiment":"neutral","sentiment_score":-0.17866528779268265},{"text":"Yeah.","start":581.98,"end":582.48,"sentiment":"neutral","sentiment_score":0.22353696823120117},{"text":"Yes.","start":594.01495,"end":594.51495,"sentiment":"neutral","sentiment_score":0.21478766202926636}],"sentiment":"neutral","sentiment_score":-0.062115622063477836,"num_words":6,"start":574.3,"end":594.51495},{"sentences":[{"text":"Yep.","start":594.975,"end":595.375,"sentiment":"neutral","sentiment_score":0.27847230434417725},{"text":"Absolutely.","start":595.375,"end":595.875,"sentiment":"positive","sentiment_score":0.4764780998229981},{"text":"Definitely.","start":596.495,"end":596.995,"sentiment":"positive","sentiment_score":0.3620681166648865},{"text":"And then we've also got the insurance side of things scoped out as well, and that's on page number eight for you.","start":597.87994,"end":602.92,"sentiment":"neutral","sentiment_score":0.06374433365735141},{"text":"So you did go through that total permanent disability claim, and we were looking to investigate the the note we had from Aware with regard to an income protection claim.","start":602.92,"end":612.68,"sentiment":"neutral","sentiment_score":-0.0328888659675916}],"sentiment":"neutral","sentiment_score":0.027867779677564448,"num_words":55,"start":594.975,"end":612.68},{"sentences":[{"text":"So we did go back.","start":612.68,"end":614.03503,"sentiment":"neutral","sentiment_score":-0.02873951569199562},{"text":"We had a look at that with them to find out what had happened.","start":614.03503,"end":616.775,"sentiment":"neutral","sentiment_score":-0.025940928874271258},{"text":"It looks like, obviously, that was opened as part of the initial claiming process.","start":617.155,"end":621.73505,"sentiment":"neutral","sentiment_score":-0.04420680818813188},{"text":"However, with the TBD payout, the income protection claim was closed off, and the income protection policy was also canceled along with the life policy that's part of the way's rules that once the TBD claim is paid out, that the life policy and the income protection policy no longer exists there.","start":621.79504,"end":639.10004,"sentiment":"neutral","sentiment_score":-0.16102384962141514},{"text":"So it does mean that there's no insurance because there's not funds there currently.","start":639.10004,"end":642.975,"sentiment":"neutral","sentiment_score":-0.1452055818268231}],"sentiment":"neutral","sentiment_score":-0.11648367902245184,"num_words":99,"start":612.68,"end":642.975},{"sentences":[{"text":"Okay.","start":643.035,"end":643.535,"sentiment":"neutral","sentiment_score":-0.02605613693594933},{"text":"Yep.","start":644.475,"end":644.875,"sentiment":"neutral","sentiment_score":0.12300239503383636},{"text":"Beautiful.","start":644.875,"end":645.275,"sentiment":"positive","sentiment_score":0.41722819209098816},{"text":"We did a really good deed in a delve with that one though to find out what had gone on, what had happened, and it was really good to be able to understand their claims process and what they looked at there.","start":645.275,"end":654.93,"sentiment":"neutral","sentiment_score":0.2613695246123132},{"text":"But they did confirm that their income protection claim was fully closed off.","start":655.17,"end":659.75,"sentiment":"neutral","sentiment_score":-0.016116166917177346}],"sentiment":"neutral","sentiment_score":0.1945204192065987,"num_words":58,"start":643.035,"end":659.75},{"sentences":[{"text":"And then the TPD claim was essentially paid out, and that canceled any additional insurances held within the AOS system.","start":660.05,"end":666.63,"sentiment":"neutral","sentiment_score":-0.08506325036287307},{"text":"Okay.","start":667.08997,"end":667.58997,"sentiment":"neutral","sentiment_score":0.024902986362576485},{"text":"Excellent.","start":668.61,"end":669.11,"sentiment":"neutral","sentiment_score":0.32949092984199524},{"text":"And then you've also got properties.","start":670.065,"end":671.42505,"sentiment":"neutral","sentiment_score":0.11233076825737953},{"text":"So in the next sort of three to five years three to four years, sorry, you were also looking at possibly downsizing downsizing your home, hopefully, before the age of 67, which is what you were sort of thinking about doing and prepare for future entire retirement.","start":671.42505,"end":686.13995,"sentiment":"neutral","sentiment_score":0.035988228276689}],"sentiment":"neutral","sentiment_score":0.013580803299943605,"num_words":75,"start":660.05,"end":686.13995},{"sentences":[{"text":"So we're not providing any advice around this at the moment.","start":686.27997,"end":689.48,"sentiment":"neutral","sentiment_score":-0.15010397000746292},{"text":"However, down the track, when the time comes and you do wish to downsize, we can help help you out with, you know, looking at what to do with any additional funds and seeing where they might be appropriately placed to help with your retirement lifestyle.","start":689.48,"end":701.355,"sentiment":"neutral","sentiment_score":0.15056068604083164},{"text":"Okay.","start":701.815,"end":702.315,"sentiment":"neutral","sentiment_score":0.11188112199306488},{"text":"Beautiful.","start":703.65497,"end":704.15497,"sentiment":"positive","sentiment_score":0.6234641075134277},{"text":"And the last one that we had noted here was around page number 10, and that is just around the trust.","start":705.095,"end":710.91,"sentiment":"neutral","sentiment_score":0.0016788260212966374}],"sentiment":"neutral","sentiment_score":0.07556560579687358,"num_words":80,"start":686.27997,"end":710.91},{"sentences":[{"text":"So that, again, is more of an attack a tax accountant sort of area, but you were looking at essentially changing the way the trust was, transfer transferring your existing shareholdings between trustees where appropriate, and or buying and selling underlying shares.","start":711.47,"end":726.445,"sentiment":"neutral","sentiment_score":-0.10135619164932341},{"text":"So that's all kind of outside of our scope.","start":726.445,"end":728.925,"sentiment":"neutral","sentiment_score":-0.2799487163623174},{"text":"That's more in relation to a tax accountant to kind of have the the trust altered.","start":728.925,"end":733.985,"sentiment":"neutral","sentiment_score":-0.14959828928112984},{"text":"And so we've scoped out any advice around that for the time being there as well.","start":734.685,"end":738.51996,"sentiment":"neutral","sentiment_score":-0.03626250382512808},{"text":"Okay.","start":738.51996,"end":739.01996,"sentiment":"neutral","sentiment_score":0.28858715295791626}],"sentiment":"neutral","sentiment_score":-0.11263909563422203,"num_words":84,"start":711.47,"end":739.01996},{"sentences":[{"text":"Perfect.","start":740.92,"end":741.42,"sentiment":"positive","sentiment_score":0.5480449795722961},{"text":"Now if I can get you to scroll down for me, just the page number.","start":742.04,"end":745.98,"sentiment":"neutral","sentiment_score":0.11238383948802948},{"text":"Sorry.","start":746.04,"end":746.54,"sentiment":"neutral","sentiment_score":-0.018110742792487144},{"text":"I'm just scrolling through ahead of you.","start":747.0,"end":749.31995,"sentiment":"neutral","sentiment_score":-0.005226195124643189},{"text":"Just the page number 16.","start":749.31995,"end":750.885,"sentiment":"neutral","sentiment_score":0.041353744268417356}],"sentiment":"neutral","sentiment_score":0.08227162705413227,"num_words":29,"start":740.92,"end":750.885},{"sentences":[{"text":"I'll start taking you through these recommendations.","start":750.885,"end":752.74506,"sentiment":"neutral","sentiment_score":0.09039906039834023},{"text":"Yeah.","start":763.04504,"end":763.36505,"sentiment":"neutral","sentiment_score":0.1636342853307724},{"text":"You're fine.","start":763.36505,"end":764.005,"sentiment":"neutral","sentiment_score":0.21703695505857468},{"text":"Not a problem at all.","start":764.005,"end":765.45,"sentiment":"neutral","sentiment_score":0.282523974776268},{"text":"So, essentially, with this one here, I had a look at your super, both the hub 24 and Aware and all the different platforms out there to sort of look at how we could have things structured for you.","start":765.85004,"end":775.07,"sentiment":"neutral","sentiment_score":0.10254995123698162}],"sentiment":"neutral","sentiment_score":0.12301054796962826,"num_words":54,"start":750.885,"end":775.07},{"sentences":[{"text":"So because Aware no longer has the insurances within the fund, I am recommending that we do close off the Aware Fund and roll everything into Hub twenty four.","start":775.37,"end":784.125,"sentiment":"neutral","sentiment_score":-0.04039748231398648},{"text":"Retaining Hub twenty four means that we can adjust the portfolio.","start":784.265,"end":788.04504,"sentiment":"neutral","sentiment_score":0.1018743785944852},{"text":"So when I looked at the different platforms and the different funds out there, Hub twenty four has a lot more different investment options.","start":788.18506,"end":794.265,"sentiment":"neutral","sentiment_score":0.07189866636569302},{"text":"So it means that we're able to retain that fund and complete switches and change the investments within your super fund to suit you, and Hub twenty four's platform allows us to do so by holding.","start":794.265,"end":805.06,"sentiment":"neutral","sentiment_score":0.1900718299051126},{"text":"They hold just over 1,100 different investment options, so it does work really well for you.","start":805.2,"end":810.18,"sentiment":"neutral","sentiment_score":0.29193550907075405}],"sentiment":"neutral","sentiment_score":0.11369149303384896,"num_words":116,"start":775.37,"end":810.18},{"sentences":[{"text":"So what we're recommending is that we do consolidate the funds, move everything into hub twenty four.","start":811.38495,"end":816.605,"sentiment":"neutral","sentiment_score":0.1740643141024253},{"text":"I'm also recommending that you do redirect your workers' compensation employer and, technically, their employer contributions into hub twenty four as well, and we'll provide you with the form to do so.","start":816.985,"end":827.84,"sentiment":"neutral","sentiment_score":0.13486534962430596},{"text":"Essentially, how I'd love to see this happen for you to make it easier on you, and we can sort of do it slowly so that you get to have your holiday first to make it easier.","start":828.46,"end":837.28,"sentiment":"positive","sentiment_score":0.7472004672965488},{"text":"But, essentially, what we'll do is we'll start by completing an investment switch.","start":837.995,"end":841.835,"sentiment":"neutral","sentiment_score":0.26607552056129163},{"text":"So we're gonna also change the investments within your superannuation fund.","start":841.835,"end":845.695,"sentiment":"neutral","sentiment_score":0.2051994942805984}],"sentiment":"positive","sentiment_score":0.36943070929158817,"num_words":110,"start":811.38495,"end":845.695},{"sentences":[{"text":"At at the moment, you're in more of a growth environment, and we wanted to we talked about maybe reducing the risk essentially start by just doing an investment switch, changing the underlying investments within your HUD twenty four super account.","start":846.715,"end":863.22,"sentiment":"neutral","sentiment_score":0.218038451380846},{"text":"We'll keep the aware open for the time being, and we'll give you the contributions form so that you can form so that you can provide that to your workers' compensation contact person, have them change that so that they are paid into hub twenty four.","start":863.84,"end":877.995,"sentiment":"neutral","sentiment_score":0.2848590560581373},{"text":"Once we see those contributions changed, then we can close off the Aware Super and roll the funds over.","start":878.295,"end":883.675,"sentiment":"neutral","sentiment_score":0.16144812107086182},{"text":"I wanted to kinda do it as slow because you have a lot happening and because it does encompass the workers' compensation side of things.","start":883.98,"end":891.44,"sentiment":"neutral","sentiment_score":0.09634256303310394},{"text":"We didn't wanna we didn't wanna close off Aware until we can see those contributions moved.","start":891.58,"end":896.32,"sentiment":"neutral","sentiment_score":0.19298535911366343}],"sentiment":"neutral","sentiment_score":0.20821045719239176,"num_words":147,"start":846.715,"end":896.32},{"sentences":[{"text":"It makes the process a lot more streamlined for yourself doing things at a slower pace, but also making sure that you that those those employer contributions, the workers' compensation super contributions aren't missed in any way.","start":896.875,"end":911.67,"sentiment":"positive","sentiment_score":0.46087865732811595},{"text":"That way, we don't have to it's it just sort of makes it a lot easier for yourself, essentially.","start":912.63,"end":917.45,"sentiment":"positive","sentiment_score":0.5432936109994587},{"text":"But we are just gonna start by doing an investment switch retaining Hub twenty four and changing the underlying investments.","start":918.38995,"end":924.25,"sentiment":"neutral","sentiment_score":0.25231616422533987},{"text":"One of the reasons I kinda wanna do that is because I had noticed that some of the investments have been underperforming a little bit, but also because we're reducing the risk level for you as well.","start":924.745,"end":934.445,"sentiment":"neutral","sentiment_score":0.1379114647169371},{"text":"Essentially, you're about sort of five to six years out from accessing those super.","start":934.905,"end":939.16504,"sentiment":"neutral","sentiment_score":-0.0409292183882956}],"sentiment":"neutral","sentiment_score":0.2909537586750184,"num_words":127,"start":896.875,"end":939.16504},{"sentences":[{"text":"And, realistically, if anything happened and you needed funds beforehand, you're able to access it now because you're over the age of 60.","start":939.89,"end":946.53,"sentiment":"neutral","sentiment_score":0.06700278798361188},{"text":"So reducing your risk level is also appropriate as you get closer to accessing those funds and wanting to draw out on your super as well.","start":946.53,"end":954.125,"sentiment":"neutral","sentiment_score":0.31976973380033785},{"text":"Does that make sense so far?","start":954.125,"end":955.745,"sentiment":"neutral","sentiment_score":0.14510134607553482},{"text":"Yeah.","start":955.885,"end":956.385,"sentiment":"neutral","sentiment_score":0.20720604062080383},{"text":"Beautiful.","start":957.325,"end":957.825,"sentiment":"positive","sentiment_score":0.6179505586624146}],"sentiment":"neutral","sentiment_score":0.20264634873979448,"num_words":57,"start":939.89,"end":957.825},{"sentences":[{"text":"If I can get you to go down to page 21 for me, I can show you the recommendations and numbers around that to make it easier as well.","start":958.84503,"end":966.21,"sentiment":"neutral","sentiment_score":0.24618841553556509},{"text":"Beautiful.","start":971.09,"end":971.41003,"sentiment":"neutral","sentiment_score":0.22579562664031985},{"text":"21.","start":971.41003,"end":972.15,"sentiment":"neutral","sentiment_score":0.06496238708496094},{"text":"The heading on there should be fee comparison.","start":972.69,"end":974.79004,"sentiment":"neutral","sentiment_score":0.03571936534717679},{"text":"Yep.","start":976.21,"end":976.71,"sentiment":"neutral","sentiment_score":0.18225061893463135}],"sentiment":"neutral","sentiment_score":0.19745569014921785,"num_words":40,"start":958.84503,"end":976.71},{"sentences":[{"text":"Beautiful.","start":976.77,"end":977.17004,"sentiment":"positive","sentiment_score":0.46752235293388367},{"text":"And please, if any of this, you know, is a little bit much or you need me to slow down or you need me to answer any questions, Kate, you're welcome to interrupt me and let me know.","start":977.17004,"end":985.265,"sentiment":"neutral","sentiment_score":0.03403796588903979},{"text":"Okay?","start":985.265,"end":985.765,"sentiment":"neutral","sentiment_score":0.04555293172597885},{"text":"Beautiful.","start":987.265,"end":987.765,"sentiment":"positive","sentiment_score":0.3610667884349823},{"text":"So the fee comparison table here breaks down the center of the recommendations.","start":988.385,"end":992.085,"sentiment":"neutral","sentiment_score":0.20466134410638076}],"sentiment":"neutral","sentiment_score":0.08941078241224643,"num_words":54,"start":976.77,"end":992.085},{"sentences":[{"text":"The two first columns are your hub twenty four and the aware.","start":992.48004,"end":995.68005,"sentiment":"neutral","sentiment_score":0.1236030850559473},{"text":"So your current scenario, your current where your super is currently, essentially.","start":995.68005,"end":1001.06,"sentiment":"neutral","sentiment_score":0.12879896660645804},{"text":"You've got your balances between the two accounts there.","start":1001.36005,"end":1004.16003,"sentiment":"neutral","sentiment_score":0.14168768293327755},{"text":"And within the two super funds, you're paying administration fees, investment fees, your ongoing service fee for us looking after everything comes out of hub twenty four, and you've also got your workers' compensation contributions going into the aware things that are currently there.","start":1004.16003,"end":1019.79504,"sentiment":"neutral","sentiment_score":0.14017652771012348},{"text":"Okay?","start":1019.85504,"end":1020.35504,"sentiment":"neutral","sentiment_score":0.04590491950511933}],"sentiment":"neutral","sentiment_score":0.13484212698844764,"num_words":78,"start":992.48004,"end":1020.35504},{"sentences":[{"text":"Underneath that, you're in the investor profile, which is the second column from the bottom, and that shows that at the moment you're in that growth environment.","start":1021.96,"end":1028.9401,"sentiment":"neutral","sentiment_score":0.07168411960204442},{"text":"As a growth investor, you tend to see about 80% of your super in those growth investments.","start":1029.8,"end":1034.78,"sentiment":"neutral","sentiment_score":0.13206243515014648},{"text":"So think about things like Australian shares, international shares, property, and also precious metals like gold and silk silver there as well.","start":1035.0,"end":1043.705,"sentiment":"neutral","sentiment_score":0.14905737746845593},{"text":"That growth environment suit someone who has at least six years before accessing their super.","start":1044.165,"end":1049.225,"sentiment":"neutral","sentiment_score":0.16690794626871744},{"text":"And when we sort of last spoke last time, you're a bit more comfortable with reducing the risk level, starting to step that down a little bit as you get closer to accessing super.","start":1049.45,"end":1057.55,"sentiment":"neutral","sentiment_score":0.19767902901067452}],"sentiment":"neutral","sentiment_score":0.14508261836093406,"num_words":115,"start":1021.96,"end":1057.55},{"sentences":[{"text":"So we're protecting more of your capital in the end of the day and hoping to see less market fluctuations, less ups and downs in the market, which was more your comfort level.","start":1057.69,"end":1066.345,"sentiment":"positive","sentiment_score":0.3341666342634143},{"text":"So what you'll see in the recommended is the third column along, but we're looking to consolidate everything in the hub 24.","start":1067.045,"end":1074.745,"sentiment":"neutral","sentiment_score":0.06649561277167364},{"text":"You can see the expected balance once that has been completed.","start":1074.885,"end":1078.025,"sentiment":"neutral","sentiment_score":0.09574984014034271},{"text":"One of the other things I like to point out and if you look at the next column, you'll see there's a number there, the 1,092.","start":1078.89,"end":1085.63,"sentiment":"neutral","sentiment_score":0.14963623308218443},{"text":"As I kinda mentioned before, part of what I wanna do with the recommendations is to be able to alter your Whenever we do look at the research and change investments within a super fund, we know there's gonna be capital gains consequences for your super.","start":1086.01,"end":1106.775,"sentiment":"neutral","sentiment_score":0.07959665706300217}],"sentiment":"neutral","sentiment_score":0.1528669488278852,"num_words":138,"start":1057.69,"end":1106.775},{"sentences":[{"text":"So just like you, your super fund every year does a tax return.","start":1107.09,"end":1110.61,"sentiment":"neutral","sentiment_score":0.06503218355087134},{"text":"It pays income tax and capital gains tax on investments as well.","start":1110.61,"end":1114.7899,"sentiment":"neutral","sentiment_score":0.04325665642196933},{"text":"By the switch, and I'll take you through what it looks like in a second, But, essentially, in order to make the switch within Hub '24, we estimate based on the research, your super fund would pay capital gains of $1,092.","start":1115.73,"end":1128.885,"sentiment":"neutral","sentiment_score":0.04619367861347955},{"text":"Okay?","start":1128.885,"end":1129.385,"sentiment":"neutral","sentiment_score":0.058194007724523544},{"text":"Beautiful.","start":1131.045,"end":1131.545,"sentiment":"positive","sentiment_score":0.4587807357311249}],"sentiment":"neutral","sentiment_score":0.05552079161519513,"num_words":68,"start":1107.09,"end":1131.545},{"sentences":[{"text":"Does that make sense?","start":1132.0851,"end":1132.9651,"sentiment":"neutral","sentiment_score":0.27115243673324585},{"text":"Do you have any questions so far?","start":1132.9651,"end":1134.81,"sentiment":"neutral","sentiment_score":0.0932398789695331},{"text":"That's okay.","start":1138.5701,"end":1139.29,"sentiment":"neutral","sentiment_score":0.24802687019109726},{"text":"Beautiful.","start":1139.29,"end":1139.79,"sentiment":"positive","sentiment_score":0.4823514223098755},{"text":"You'll also then see with the recommended there, you've got the administration fee.","start":1141.3701,"end":1145.7101,"sentiment":"neutral","sentiment_score":0.15216871522940123}],"sentiment":"neutral","sentiment_score":0.17384768001459264,"num_words":27,"start":1132.0851,"end":1145.7101},{"sentences":[{"text":"That essentially is just slightly more because we're moving everything into Hub twenty four, but then you've also got the investment fee underneath that.","start":1146.01,"end":1153.1649,"sentiment":"neutral","sentiment_score":0.095701956966271},{"text":"At the moment, within the two funds, you're paying 2,004 for the investment fee from Hub twenty four and $156 from Aware.","start":1153.3049,"end":1160.605,"sentiment":"neutral","sentiment_score":0.16402882473035293},{"text":"By consolidating everything in this newer portfolio, the investment fee is expected to be $719.","start":1160.94,"end":1167.5,"sentiment":"positive","sentiment_score":0.33426411747932433},{"text":"So you're essentially gonna save $1,441 on the investment fee, which is a pretty decent saving.","start":1167.5,"end":1174.46,"sentiment":"positive","sentiment_score":0.5217455215752125},{"text":"That's next to 14 $141 that should stay in your super fund working for harder for you over the longer term there, which is positive.","start":1174.46,"end":1182.1849,"sentiment":"positive","sentiment_score":0.39705518782138827}],"sentiment":"neutral","sentiment_score":0.28621324425672784,"num_words":102,"start":1146.01,"end":1182.1849},{"sentences":[{"text":"Yep.","start":1185.365,"end":1185.865,"sentiment":"positive","sentiment_score":0.34441253542900085},{"text":"The essentially, it's a savings, so you'll you'll save money on investment fees.","start":1186.325,"end":1190.86,"sentiment":"positive","sentiment_score":0.4498670009466318},{"text":"It's gonna be cheaper in this newer portfolio and to consolidate the funds, which works better for you.","start":1190.86,"end":1195.9,"sentiment":"positive","sentiment_score":0.5182454619142745},{"text":"Okay.","start":1195.9,"end":1196.4,"sentiment":"neutral","sentiment_score":0.09908053278923036},{"text":"Yeah.","start":1197.3401,"end":1197.8401,"sentiment":"neutral","sentiment_score":0.018473949283361435}],"sentiment":"positive","sentiment_score":0.459960480713669,"num_words":34,"start":1185.365,"end":1197.8401},{"sentences":[{"text":"And then you've also got the ongoing service fee consolidating everything, having it in one place, and we charge an ongoing service fee of 1.65%.","start":1197.98,"end":1206.1749,"sentiment":"neutral","sentiment_score":0.11276704341173172},{"text":"That's for having us look after the super, look after the investments, make sure we're reinvesting funds on a regular basis, and also provide an updated price for you as well.","start":1206.475,"end":1216.65,"sentiment":"neutral","sentiment_score":0.17038382205270952},{"text":"So that essentially comes out of the hub twenty four super account, and it is based on the balance in the account there as well.","start":1216.89,"end":1223.29,"sentiment":"neutral","sentiment_score":0.15226653903722764},{"text":"And then we'll get you to also contribute to move your workers' compensation contributions over to hub twenty four as well.","start":1223.29,"end":1231.695,"sentiment":"neutral","sentiment_score":0.13646564845527923},{"text":"So everything's in that one place there for you.","start":1231.695,"end":1234.115,"sentiment":"neutral","sentiment_score":0.18033855656782785}],"sentiment":"neutral","sentiment_score":0.14771678983359723,"num_words":111,"start":1197.98,"end":1234.115},{"sentences":[{"text":"Okay?","start":1234.1749,"end":1234.6749,"sentiment":"neutral","sentiment_score":0.1104896366596222},{"text":"Beautiful.","start":1235.695,"end":1236.195,"sentiment":"positive","sentiment_score":0.5237312316894531},{"text":"Now underneath that, again, looking at the investor profile, the newer portfolio will be balanced growth.","start":1236.6549,"end":1242.0149,"sentiment":"neutral","sentiment_score":0.1507657701149583},{"text":"So we are reducing the risk level.","start":1242.0149,"end":1243.855,"sentiment":"neutral","sentiment_score":0.15505345910787582},{"text":"It's essentially stepping down about 10% risk level wise.","start":1243.855,"end":1247.11,"sentiment":"neutral","sentiment_score":0.09508265140983793}],"sentiment":"neutral","sentiment_score":0.14669386078329646,"num_words":34,"start":1234.1749,"end":1247.11},{"sentences":[{"text":"The older portfolio in the growth environment between the two funds was averaged about 5.45%, which wasn't bad.","start":1247.49,"end":1254.71,"sentiment":"neutral","sentiment_score":0.056452336410681404},{"text":"However, the newer portfolio has averaged about 9.35%.","start":1254.9299,"end":1258.695,"sentiment":"neutral","sentiment_score":0.11528507247567177},{"text":"So, essentially, we've looked at putting you into a portfolio with investments within the super fund, which are lowering the risk level for you but have also shown greater past performance, which over time with the consolidation and the reduction in investment fees can also put you in a much better place down the track there as well.","start":1258.695,"end":1276.1,"sentiment":"neutral","sentiment_score":0.2647362420785016},{"text":"Does that make sense?","start":1276.1,"end":1277.24,"sentiment":"neutral","sentiment_score":0.080654701218009},{"text":"Yeah.","start":1277.78,"end":1278.28,"sentiment":"neutral","sentiment_score":0.08988630771636963}],"sentiment":"neutral","sentiment_score":0.1989396605431364,"num_words":89,"start":1247.49,"end":1278.28},{"sentences":[{"text":"Underneath that table is your projection table.","start":1279.14,"end":1281.38,"sentiment":"neutral","sentiment_score":0.04671609614576612},{"text":"It sort of shows you the difference between the two.","start":1281.38,"end":1283.62,"sentiment":"neutral","sentiment_score":0.05442042127251625},{"text":"We're staying where you currently are with the two funds and how it all is structured at the moment.","start":1283.62,"end":1288.135,"sentiment":"neutral","sentiment_score":0.09924889002975665},{"text":"Over the next five to six years, you could see a bit over 427,000 or 437,000 in super over the next sort of six years.","start":1288.135,"end":1297.435,"sentiment":"neutral","sentiment_score":0.15280718505382537},{"text":"However, by consolidating everything, saving on investment fees, lowering the risk level, and seeing a greater performance, which is possible with the newer portfolio, you could essentially see yourself up over 500,000 in the next five to six years, which puts you in a much greater better position and gives you more funds to be able to retire on down the track there as well.","start":1297.655,"end":1318.055,"sentiment":"positive","sentiment_score":0.3431414399009485}],"sentiment":"neutral","sentiment_score":0.22921681758903323,"num_words":126,"start":1279.14,"end":1318.055},{"sentences":[{"text":"Yeah.","start":1319.955,"end":1320.355,"sentiment":"neutral","sentiment_score":0.20821548998355863},{"text":"Beautiful.","start":1320.355,"end":1320.855,"sentiment":"positive","sentiment_score":0.52936851978302},{"text":"You are?","start":1322.595,"end":1323.335,"sentiment":"neutral","sentiment_score":0.13389835879206657},{"text":"I'm glad.","start":1324.675,"end":1325.575,"sentiment":"positive","sentiment_score":0.7652879655361176},{"text":"If I can get you to scroll down for me just to page number 23, I'll take you through the investment changes as well.","start":1327.89,"end":1334.63,"sentiment":"neutral","sentiment_score":0.2523824702948332}],"sentiment":"neutral","sentiment_score":0.28643786484996475,"num_words":30,"start":1319.955,"end":1334.63},{"sentences":[{"text":"Beautiful.","start":1336.4501,"end":1336.9501,"sentiment":"positive","sentiment_score":0.5851083397865295},{"text":"There we go.","start":1348.575,"end":1349.475,"sentiment":"neutral","sentiment_score":0.22008055945237479},{"text":"This has a lot going on.","start":1349.615,"end":1351.475,"sentiment":"neutral","sentiment_score":0.12761597707867622},{"text":"That's why I sort of like to send the document to you.","start":1352.015,"end":1355.635,"sentiment":"neutral","sentiment_score":0.12722627446055412},{"text":"But you'll essentially see here the first column outlines the two different funds, AWARE and then hub twenty four.","start":1355.89,"end":1361.99,"sentiment":"neutral","sentiment_score":0.09899002117545981}],"sentiment":"neutral","sentiment_score":0.13216028235307553,"num_words":41,"start":1336.4501,"end":1361.99},{"sentences":[{"text":"It's also got all the different investment options noted there for you.","start":1362.0499,"end":1365.33,"sentiment":"neutral","sentiment_score":0.12058128106097381},{"text":"It does go over onto the next page there a little bit as well.","start":1365.33,"end":1368.87,"sentiment":"neutral","sentiment_score":0.09565826771514756},{"text":"The second column has what's called an API code.","start":1369.475,"end":1372.915,"sentiment":"neutral","sentiment_score":0.041597750037908554},{"text":"This is essentially a ticker code or a registration code, which we use to buy and sell the investments.","start":1372.915,"end":1378.615,"sentiment":"neutral","sentiment_score":0.04620298919709105},{"text":"The next column is your current weighting.","start":1379.555,"end":1381.795,"sentiment":"neutral","sentiment_score":0.042372310268027444}],"sentiment":"neutral","sentiment_score":0.07106612848698116,"num_words":61,"start":1362.0499,"end":1381.795},{"sentences":[{"text":"So that's how much of your super you have invested in each of these as a dollar figure.","start":1381.795,"end":1391.33,"sentiment":"neutral","sentiment_score":0.06031318215860261},{"text":"The column we wanna sort of look at is your buy sell column, which is the next one.","start":1392.03,"end":1396.35,"sentiment":"neutral","sentiment_score":0.0378362558161219},{"text":"It has the red and green areas there.","start":1396.35,"end":1399.41,"sentiment":"neutral","sentiment_score":0.035272534703835845},{"text":"Essentially, anything red is what we're gonna be selling down, and anything green is what we're gonna be buying into for you.","start":1399.855,"end":1406.195,"sentiment":"neutral","sentiment_score":0.05038068426603621},{"text":"Yep.","start":1408.4149,"end":1408.815,"sentiment":"neutral","sentiment_score":0.04906700551509857}],"sentiment":"neutral","sentiment_score":0.04785540627677049,"num_words":67,"start":1381.795,"end":1408.815},{"sentences":[{"text":"So, realistically, when we have a look at this, in order to consolidate, we'll be selling off everything within the Aware Super, and that'll all be transferred into Hub 24.","start":1408.815,"end":1418.36,"sentiment":"neutral","sentiment_score":0.014605042214194933},{"text":"Within the Hub 24, which is the if you go down to that section there, you'll see with the physical gold, we've only got we wanna hold about 10%, so we'll buy some more physical gold.","start":1418.6599,"end":1429.555,"sentiment":"neutral","sentiment_score":0.01640693183677892},{"text":"And in order to alter the portfolio, we'll be selling off the silver.","start":1429.775,"end":1433.3151,"sentiment":"neutral","sentiment_score":-0.01039415248669684},{"text":"Has done really well, but has been very up and down this year as well.","start":1433.4551,"end":1436.995,"sentiment":"neutral","sentiment_score":-0.159301179399093},{"text":"The Bannalong Equities is an investment that's been underperforming very heavily within your portfolio, and we don't wanna hold anything.","start":1437.69,"end":1444.6499,"sentiment":"neutral","sentiment_score":-0.279575389623642}],"sentiment":"neutral","sentiment_score":-0.06216972502838951,"num_words":114,"start":1408.815,"end":1444.6499},{"sentences":[{"text":"It's underperforming.","start":1444.6499,"end":1445.39,"sentiment":"neutral","sentiment_score":-0.2727811634540558},{"text":"So we're also gonna remove the Bannalong Australian Equities.","start":1445.77,"end":1449.23,"sentiment":"neutral","sentiment_score":-0.19548697935210335},{"text":"The Vanguard diversified index is gonna be gone there as well, so fully selling that off.","start":1450.57,"end":1456.825,"sentiment":"neutral","sentiment_score":-0.23135735467076302},{"text":"Then underneath that, you've got the BetaShares cybersecurity.","start":1457.365,"end":1459.945,"sentiment":"neutral","sentiment_score":-0.03677749968483113},{"text":"That one there, we still wanna hold some of the investment.","start":1460.725,"end":1463.465,"sentiment":"neutral","sentiment_score":-0.10304274274544283}],"sentiment":"neutral","sentiment_score":-0.16161636920625586,"num_words":46,"start":1444.6499,"end":1463.465},{"sentences":[{"text":"We wanna only wanna hold 4% at the moment.","start":1463.605,"end":1466.245,"sentiment":"neutral","sentiment_score":-0.14051764044496748},{"text":"You're a little bit overexposed.","start":1466.245,"end":1467.465,"sentiment":"negative","sentiment_score":-0.5122096598148346},{"text":"You have too much.","start":1467.765,"end":1468.8,"sentiment":"negative","sentiment_score":-0.5173924416303635},{"text":"So as part of reducing risk level, we're just gonna sell some of that off so you only hold 4% in your portfolio.","start":1469.04,"end":1475.54,"sentiment":"neutral","sentiment_score":-0.20936168001397795},{"text":"The one underneath that is the Global x battery and lithium tech.","start":1477.04,"end":1481.055,"sentiment":"neutral","sentiment_score":0.14821897198756537}],"sentiment":"neutral","sentiment_score":-0.16852769445417062,"num_words":53,"start":1463.605,"end":1481.055},{"sentences":[{"text":"That one there is more of a themed exchange traded funds.","start":1481.295,"end":1485.135,"sentiment":"neutral","sentiment_score":0.15462926097891547},{"text":"So that one there in a portfolio is meant to generate good returns, but it's also taking on a bit more risk in the portfolio.","start":1485.135,"end":1492.3551,"sentiment":"neutral","sentiment_score":0.17323009699583053},{"text":"And part of what we're doing is reducing your risk levels.","start":1492.495,"end":1495.135,"sentiment":"neutral","sentiment_score":0.09896557100794533},{"text":"So we'll be selling all of that off.","start":1495.135,"end":1496.85,"sentiment":"neutral","sentiment_score":0.0018498157151043415},{"text":"And the same thing with the MorningStar Global Tech, that one's gonna come out completely as well.","start":1497.73,"end":1503.25,"sentiment":"neutral","sentiment_score":0.3101627712740618}],"sentiment":"neutral","sentiment_score":0.17233140575182107,"num_words":72,"start":1481.295,"end":1503.25},{"sentences":[{"text":"Again, we're reducing the risk levels.","start":1503.25,"end":1505.01,"sentiment":"neutral","sentiment_score":-0.07790758615980546},{"text":"So looking to try and obtain good returns, but making sure you're taking on too much risk in the market and having too many of those volatile up and down investments that can make you quite nervous.","start":1505.01,"end":1515.205,"sentiment":"neutral","sentiment_score":-0.21981404439823046},{"text":"Okay?","start":1515.505,"end":1516.005,"sentiment":"neutral","sentiment_score":0.007648805156350136},{"text":"So then underneath that, you've got the iShares Europe, and this one here is giving you exposure to all the European countries.","start":1517.665,"end":1524.405,"sentiment":"neutral","sentiment_score":0.12389399720863863},{"text":"Part of reducing risk is about diversifying your portfolio, so investing in all the different countries and asset classes, but trying to do it in a way that's low cost and provides good exposure.","start":1525.13,"end":1537.71,"sentiment":"neutral","sentiment_score":0.27566278857343335}],"sentiment":"neutral","sentiment_score":0.03505286395549774,"num_words":100,"start":1503.25,"end":1537.71},{"sentences":[{"text":"The iShares Europe has seen really good returns, is a very cheap investment to hold, and so we wanna hold 7% of that investment for you.","start":1538.255,"end":1547.615,"sentiment":"positive","sentiment_score":0.4894353013772231},{"text":"Okay?","start":1547.615,"end":1548.115,"sentiment":"neutral","sentiment_score":0.193840354681015},{"text":"Underneath that, you've got the s and p 500.","start":1549.4551,"end":1551.8551,"sentiment":"neutral","sentiment_score":0.07845963703261481},{"text":"This is giving you exposure to the top 500 companies on The US market.","start":1551.8551,"end":1556.1599,"sentiment":"neutral","sentiment_score":0.12407559289463929},{"text":"We wanna hold about 25%, so we need to buy a little bit more of that investment within your portfolio.","start":1556.62,"end":1562.72,"sentiment":"neutral","sentiment_score":0.054369513690471646}],"sentiment":"neutral","sentiment_score":0.23499633568738187,"num_words":70,"start":1538.255,"end":1562.72},{"sentences":[{"text":"Okay?","start":1563.1799,"end":1563.6799,"sentiment":"neutral","sentiment_score":0.049000322818756104},{"text":"You've also got the iShares Asia exposure.","start":1565.1799,"end":1567.905,"sentiment":"neutral","sentiment_score":0.014671512214200837},{"text":"We're gonna be selling that completely off.","start":1567.905,"end":1570.405,"sentiment":"neutral","sentiment_score":-0.14159365370869637},{"text":"We're still gonna hold Asia exposure, but we're gonna hold it another way for you.","start":1570.545,"end":1575.185,"sentiment":"neutral","sentiment_score":0.023292880582933623},{"text":"Okay?","start":1575.185,"end":1575.685,"sentiment":"neutral","sentiment_score":0.03145526349544525}],"sentiment":"neutral","sentiment_score":-0.014793748238814934,"num_words":31,"start":1563.1799,"end":1575.685},{"sentences":[{"text":"Underneath that, and this is on the next page if you scroll down slightly, you've got the Vanguard Australian fixed interest.","start":1577.9851,"end":1585.6901,"sentiment":"neutral","sentiment_score":-0.008805127770063422},{"text":"This is giving you exposure to fixed interest or defensive assets.","start":1585.6901,"end":1589.23,"sentiment":"neutral","sentiment_score":-0.013152693144299767},{"text":"We are still gonna hold defensive assets, but this one hasn't really been performing very well.","start":1589.53,"end":1593.895,"sentiment":"neutral","sentiment_score":-0.18547701090574265},{"text":"So we're gonna remove that completely from your portfolio.","start":1593.895,"end":1596.555,"sentiment":"neutral","sentiment_score":-0.17264268298943838},{"text":"And then the last sort of areas there are showing you what we're gonna be buying into to complete your portfolio.","start":1598.375,"end":1603.115,"sentiment":"neutral","sentiment_score":0.008938722401147797}],"sentiment":"neutral","sentiment_score":-0.05978577511194043,"num_words":78,"start":1577.9851,"end":1603.115},{"sentences":[{"text":"So we just wanna hold some Japanese exposure.","start":1603.175,"end":1605.595,"sentiment":"neutral","sentiment_score":0.02656968403607607},{"text":"We're gonna hold 3%, so it means buying in December 11,000 of that investment.","start":1605.87,"end":1610.77,"sentiment":"neutral","sentiment_score":0.052695252267377715},{"text":"And then to give you diversification and to give you exposure to the entire globe, we're going to have the Vanguard all world ex US investment.","start":1611.87,"end":1621.33,"sentiment":"neutral","sentiment_score":0.10570071035852799},{"text":"We wanna hold 7% of that investment, and that's giving you exposure to the entire globe as to all the different countries, both established markets, but also up and coming markets.","start":1621.9249,"end":1633.225,"sentiment":"neutral","sentiment_score":0.09458604707352576},{"text":"The only one that's not included is The US Of A, and that's because we hold the S and P 500 above there for you.","start":1633.605,"end":1641.03,"sentiment":"neutral","sentiment_score":-0.01689111106097698}],"sentiment":"neutral","sentiment_score":0.059696145731812485,"num_words":104,"start":1603.175,"end":1641.03},{"sentences":[{"text":"Okay?","start":1641.17,"end":1641.67,"sentiment":"neutral","sentiment_score":0.016220714896917343},{"text":"Beautiful.","start":1642.53,"end":1643.03,"sentiment":"neutral","sentiment_score":0.2708103656768799},{"text":"And then underneath that, because we have gotten rid of the Benelon Australian Equities, we still wanna hold a bit more Australian investments.","start":1643.57,"end":1651.325,"sentiment":"neutral","sentiment_score":0.024389588314553966},{"text":"So we've got the BetaShares Australia 200.","start":1651.945,"end":1654.925,"sentiment":"neutral","sentiment_score":0.0636720210313797},{"text":"This is giving you exposure to the top 200 companies on the Australian ASX market.","start":1655.465,"end":1661.005,"sentiment":"neutral","sentiment_score":0.09854560941457749}],"sentiment":"neutral","sentiment_score":0.058976168090358695,"num_words":47,"start":1641.17,"end":1661.005},{"sentences":[{"text":"It has had much better track record and hasn't underperformed as badly as Bennelong has.","start":1661.545,"end":1667.05,"sentiment":"neutral","sentiment_score":0.10665549623469511},{"text":"So we're going to remove the Bennelong, get rid of the underperforming investments, put this in its place.","start":1667.05,"end":1672.83,"sentiment":"neutral","sentiment_score":0.03610537863439984},{"text":"It gives you more diversification, and it helps to lower your risk level, but also making sure you hold some Australian investments there as well.","start":1673.29,"end":1681.3151,"sentiment":"neutral","sentiment_score":0.16272295892238617},{"text":"Okay?","start":1681.375,"end":1681.875,"sentiment":"neutral","sentiment_score":0.13313841819763184},{"text":"Excellent.","start":1683.615,"end":1684.0951,"sentiment":"positive","sentiment_score":0.5312842130661011}],"sentiment":"neutral","sentiment_score":0.11637043105438352,"num_words":60,"start":1661.545,"end":1684.0951},{"sentences":[{"text":"And the last one there is the ICS called composite bonds.","start":1684.0951,"end":1686.9751,"sentiment":"neutral","sentiment_score":0.2169903814792633},{"text":"This is giving you exposure to both government and corporate bonds as well as some other fixed interest and defensive assets across the globe as well and will hold 24% there for you.","start":1686.9751,"end":1700.1799,"sentiment":"neutral","sentiment_score":0.3014579365650813},{"text":"So part of reducing the risk level is increasing your defensive exposure, And defensive investments are low risk.","start":1700.1799,"end":1706.645,"sentiment":"neutral","sentiment_score":0.23909961763355467},{"text":"They tend to get a lower rate of return, but they're also good for income producing.","start":1706.645,"end":1710.425,"sentiment":"positive","sentiment_score":0.4265383165329695},{"text":"What we wanna see from not only defensive assets, but your entire portfolio is that dividends are paid out to your cash account within the Superfund.","start":1710.885,"end":1718.665,"sentiment":"neutral","sentiment_score":0.22756210084144884}],"sentiment":"neutral","sentiment_score":0.2825002587185456,"num_words":104,"start":1684.0951,"end":1718.665},{"sentences":[{"text":"That way, the money is received and reinvested back into your portfolio, and that helps with the compounding effect towards your retirement goals there as well.","start":1719.39,"end":1727.73,"sentiment":"positive","sentiment_score":0.380560648555939},{"text":"Okay.","start":1727.9501,"end":1728.4501,"sentiment":"neutral","sentiment_score":0.0938255786895752},{"text":"Yeah.","start":1729.31,"end":1729.81,"sentiment":"neutral","sentiment_score":0.08678889274597168},{"text":"That that can be a lot.","start":1729.9501,"end":1731.47,"sentiment":"neutral","sentiment_score":0.13827164843678474},{"text":"Do you have any questions about any of those investments, Kate?","start":1731.47,"end":1734.53,"sentiment":"neutral","sentiment_score":0.05334326794201678}],"sentiment":"neutral","sentiment_score":0.255368826041619,"num_words":45,"start":1719.39,"end":1734.53},{"sentences":[{"text":"Yeah.","start":1742.5449,"end":1743.0449,"sentiment":"positive","sentiment_score":0.3806105852127075},{"text":"That's perfect.","start":1743.9049,"end":1745.605,"sentiment":"positive","sentiment_score":0.6865420341491699},{"text":"Perfect.","start":1746.225,"end":1746.725,"sentiment":"positive","sentiment_score":0.6788602471351624},{"text":"Perfect.","start":1746.945,"end":1747.445,"sentiment":"positive","sentiment_score":0.5881305932998657},{"text":"And then underneath that, you've got another table there which has your cash account.","start":1748.6,"end":1752.54,"sentiment":"neutral","sentiment_score":0.12898463755846024}],"sentiment":"neutral","sentiment_score":0.25402475893497467,"num_words":19,"start":1742.5449,"end":1752.54},{"sentences":[{"text":"It essentially shows at the moment you've got about 7,000 sitting in cash there.","start":1753.3201,"end":1757.8201,"sentiment":"neutral","sentiment_score":0.07641594564276082},{"text":"We only ever wanna hold a minimum amount of cash, so 1.25%.","start":1758.04,"end":1762.4349,"sentiment":"neutral","sentiment_score":0.09379048583408196},{"text":"So we'll take a bit over $2,200, and we'll just reinvest that back into your portfolio for you as well.","start":1762.4349,"end":1769.315,"sentiment":"neutral","sentiment_score":0.2064941179007292},{"text":"Okay.","start":1769.315,"end":1769.815,"sentiment":"neutral","sentiment_score":0.17610326409339905},{"text":"Beautiful.","start":1771.475,"end":1771.975,"sentiment":"positive","sentiment_score":0.6363111734390259}],"sentiment":"neutral","sentiment_score":0.14870012217822173,"num_words":48,"start":1753.3201,"end":1771.975},{"sentences":[{"text":"Excellent.","start":1775.32,"end":1775.82,"sentiment":"positive","sentiment_score":0.6000096797943115},{"text":"The next page, if you can go down to, is page number 26 there for me.","start":1776.84,"end":1781.5,"sentiment":"neutral","sentiment_score":0.14294471917673945},{"text":"Now when we sort of looked at the scoping side of things, remember I sort of talked about how we scoped into a limited scope looking at the retirement aspect.","start":1783.56,"end":1792.275,"sentiment":"neutral","sentiment_score":0.02570653489480416},{"text":"So because you're still about five to six years away from accessing your super and we're still growing your super, we don't sort of do a full recommendation on how much you can draw down and on what basis to cover your retirement.","start":1792.335,"end":1804.35,"sentiment":"neutral","sentiment_score":-0.01595833412436552},{"text":"That is all looked at in a much in-depth area when we get to retirement.","start":1804.57,"end":1809.47,"sentiment":"neutral","sentiment_score":-0.006630191121560832}],"sentiment":"neutral","sentiment_score":0.027358666659953693,"num_words":105,"start":1775.32,"end":1809.47},{"sentences":[{"text":"However, just looking at where you're tracking now gives you a bit of an idea of what you can expect based on our current recommendations.","start":1810.4099,"end":1816.9099,"sentiment":"neutral","sentiment_score":0.13689621552824974},{"text":"And while this can definitely change, it's just sort of showing you what the light at the end of the tunnel could look like based on our current project projected outcome for you.","start":1817.2899,"end":1827.3151,"sentiment":"neutral","sentiment_score":0.11616973827282588},{"text":"Okay?","start":1827.3151,"end":1827.8151,"sentiment":"neutral","sentiment_score":0.07201871275901794},{"text":"Beautiful.","start":1828.915,"end":1829.415,"sentiment":"positive","sentiment_score":0.48558297753334045},{"text":"So with this page here, we're essentially looking at, you know, at a comfortable basis.","start":1830.035,"end":1835.16,"sentiment":"neutral","sentiment_score":0.23966244749414425}],"sentiment":"neutral","sentiment_score":0.15211393538552026,"num_words":75,"start":1810.4099,"end":1835.16},{"sentences":[{"text":"And this is just looking at a retirement income of, say, $52,000 a year, so a thousand dollars per week from the age of 67.","start":1835.16,"end":1843.02,"sentiment":"neutral","sentiment_score":0.07180206179618835},{"text":"And it sort of shows that at the moment, you could be drawing down that income amount from 67 and also encompassing some age age pension because you're showing eligibility for that as well from age 67 onwards, and that you could realistically be drawing that income plus accessing your age pension, up until around about age 90 to 91.","start":1843.16,"end":1861.405,"sentiment":"neutral","sentiment_score":0.12595917011300722},{"text":"Up until around about age 90 to 91.","start":1862.95,"end":1866.07,"sentiment":"neutral","sentiment_score":0.12680377531796694},{"text":"So it is giving you longevity out of your super, and it is providing the income requirement of about $52,000 per year up to about age 92 currently.","start":1866.07,"end":1876.9751,"sentiment":"neutral","sentiment_score":0.30558633857539724},{"text":"Okay?","start":1877.515,"end":1878.015,"sentiment":"neutral","sentiment_score":0.12128999829292296}],"sentiment":"neutral","sentiment_score":0.15610442157895837,"num_words":122,"start":1835.16,"end":1878.015},{"sentences":[{"text":"Yeah.","start":1879.755,"end":1880.0751,"sentiment":"neutral","sentiment_score":0.250742644071579},{"text":"So it is showing that you can draw the income needed.","start":1880.0751,"end":1882.875,"sentiment":"positive","sentiment_score":0.3349138687957417},{"text":"You'll also get some age pension to supplement, and you should still get some longevity out of your super.","start":1882.875,"end":1888.895,"sentiment":"positive","sentiment_score":0.4114539952654588},{"text":"I would love to see this build even more because you might wanna take holidays, overseas trips, and other things, and take money out for Christmas presents and things like that as well.","start":1889.1799,"end":1898.16,"sentiment":"positive","sentiment_score":0.5419223127943097},{"text":"So I'd love to build and sort of grow on this and make sure it works a harder for you.","start":1898.7,"end":1903.355,"sentiment":"neutral","sentiment_score":0.15243422314524652}],"sentiment":"positive","sentiment_score":0.3891016892379239,"num_words":84,"start":1879.755,"end":1903.355},{"sentences":[{"text":"However, it does sort of show that based on this, you can draw the income based on an average, you know, $52,000 a year and still have your super last a fairly day fairly good time horizon And, also, have eligibility for Centrelink, which is good as well because, you know, being able to draw some Centrelink and some super does also make super last a little bit longer.","start":1903.495,"end":1926.72,"sentiment":"neutral","sentiment_score":0.26746820388496784},{"text":"And, also, the age pension from age 67 onwards gives you access to, you know, the health care cards and things like that, which also can help reduce your expenditure on a regular basis.","start":1927.18,"end":1938.135,"sentiment":"neutral","sentiment_score":0.26891182801302743},{"text":"Yeah.","start":1938.595,"end":1939.095,"sentiment":"neutral","sentiment_score":0.17964188754558563},{"text":"So that worked out quite well.","start":1942.835,"end":1944.355,"sentiment":"positive","sentiment_score":0.38958026220401126},{"text":"Do you have any questions about that so far?","start":1944.355,"end":1946.855,"sentiment":"neutral","sentiment_score":0.11154885010586844}],"sentiment":"neutral","sentiment_score":0.26150732211956457,"num_words":119,"start":1903.495,"end":1946.855},{"sentences":[{"text":"No.","start":1949.1901,"end":1949.43,"sentiment":"neutral","sentiment_score":-0.19635888934135437},{"text":"That's okay.","start":1949.43,"end":1950.25,"sentiment":"neutral","sentiment_score":0.01404164452105761},{"text":"That's all good.","start":1952.31,"end":1953.4501,"sentiment":"positive","sentiment_score":0.3719217876593272},{"text":"And then the next page onwards is just about recommending that you do speak to a solicitor and have your will and power of attorneys updated.","start":1953.75,"end":1962.015,"sentiment":"neutral","sentiment_score":0.09618437791673037},{"text":"It takes you through the reasoning behind doing so, the advantages, disadvantages, and the risks involved.","start":1962.015,"end":1967.475,"sentiment":"neutral","sentiment_score":0.04050561515032314}],"sentiment":"neutral","sentiment_score":0.08534111314414379,"num_words":48,"start":1949.1901,"end":1967.475},{"sentences":[{"text":"Just making sure that if in the event that anything was to happen to you, that your will, your power of attorney, and any other estate planning documents are up to date to make sure that your your wishes are reflective and that, you know, your your everything you've worked so hard for is directed to where you wanted to go in the event that something was to happen to you.","start":1967.935,"end":1987.63,"sentiment":"neutral","sentiment_score":0.2060510850918125},{"text":"Okay.","start":1987.85,"end":1988.35,"sentiment":"neutral","sentiment_score":0.1902236044406891},{"text":"Beautiful.","start":1990.4099,"end":1990.9099,"sentiment":"positive","sentiment_score":0.753677487373352},{"text":"Nice.","start":1991.85,"end":1992.35,"sentiment":"positive","sentiment_score":0.7579480409622192},{"text":"Excellent.","start":1993.2051,"end":1993.7051,"sentiment":"positive","sentiment_score":0.7085601687431335}],"sentiment":"neutral","sentiment_score":0.2272004845738411,"num_words":75,"start":1967.935,"end":1993.7051},{"sentences":[{"text":"The only other thing I'd like to sort of take you through, if you can go down a little bit further for me, is just down to, sorry, page number 37.","start":1994.5651,"end":2004.645,"sentiment":"neutral","sentiment_score":0.16576194835285987},{"text":"And this shows you how we would implement the advice to make it a bit easier for you.","start":2004.645,"end":2010.74,"sentiment":"neutral","sentiment_score":0.20604398432705137},{"text":"Beautiful.","start":2017.28,"end":2017.78,"sentiment":"positive","sentiment_score":0.4745689034461975},{"text":"This is this is essentially a step by step guide as to how we implement the advice.","start":2018.0,"end":2021.92,"sentiment":"positive","sentiment_score":0.33667370852302103},{"text":"So the first one is and you're welcome to take this back, have a bit of a read through the document.","start":2021.92,"end":2026.6349,"sentiment":"neutral","sentiment_score":0.2306556510073798}],"sentiment":"neutral","sentiment_score":0.22601366745816034,"num_words":88,"start":1994.5651,"end":2026.6349},{"sentences":[{"text":"Let me know if you do happen to have any questions.","start":2026.6349,"end":2028.8949,"sentiment":"neutral","sentiment_score":0.19050301746888595},{"text":"But, essentially, if you're happy to take on the advice, we do ask that you sign and return that back there for me.","start":2029.0349,"end":2034.2549,"sentiment":"neutral","sentiment_score":0.21438684735609137},{"text":"Once we receive this back, our team will start by just doing an investment switch.","start":2034.57,"end":2038.73,"sentiment":"neutral","sentiment_score":0.11205453723669052},{"text":"So within Hub twenty four, we will make the changes to the investments as of that one above there for you.","start":2038.73,"end":2044.19,"sentiment":"neutral","sentiment_score":0.14198035640375956},{"text":"And then we'll also make sure that we give you the contributions form.","start":2044.6499,"end":2048.855,"sentiment":"neutral","sentiment_score":0.055715732563000456}],"sentiment":"neutral","sentiment_score":0.14955591262284532,"num_words":83,"start":2026.6349,"end":2048.855},{"sentences":[{"text":"And if you can just provide that to the contact you have for the workers' compensation, we will leave the aware open until we see those contributions change.","start":2048.855,"end":2057.7349,"sentiment":"neutral","sentiment_score":0.02433696063235402},{"text":"I wanna take this a little bit slower for you because it is dealing with the workers' compensation team, and they could take a little bit longer to have that switch completed.","start":2057.7349,"end":2065.88,"sentiment":"neutral","sentiment_score":-0.19263560883700848},{"text":"So it is worth just going a bit slower for this one.","start":2065.88,"end":2068.7,"sentiment":"neutral","sentiment_score":-0.20985914394259453},{"text":"So then we'll give you that form.","start":2069.88,"end":2071.5598,"sentiment":"neutral","sentiment_score":0.0357848655964647},{"text":"You provide that to them.","start":2071.5598,"end":2073.0999,"sentiment":"neutral","sentiment_score":0.07556129768490791}],"sentiment":"neutral","sentiment_score":-0.0877727829141631,"num_words":84,"start":2048.855,"end":2073.0999},{"sentences":[{"text":"We can also if you wanted to give us the the details of the person, we can cc you into the email, and we can also email them the information as well.","start":2073.16,"end":2081.3848,"sentiment":"neutral","sentiment_score":0.08293061412405223},{"text":"We'll work within what your comfort level is to have that completed.","start":2081.3848,"end":2084.6848,"sentiment":"neutral","sentiment_score":0.1698948616782824},{"text":"But once we essentially see those contributions move to hub twenty four, then we'll do the final rollover.","start":2085.3848,"end":2091.565,"sentiment":"neutral","sentiment_score":0.03827650663960311},{"text":"We'll close off the Aware Super and consolidate everything over, and the funds within the Aware Super will then also be invested within the portfolio outlined in here for you.","start":2091.7048,"end":2101.66,"sentiment":"neutral","sentiment_score":0.15589206020037333},{"text":"And then the last step is just making sure you do speak to a solicitor.","start":2102.28,"end":2106.0552,"sentiment":"neutral","sentiment_score":0.10030746161937713}],"sentiment":"neutral","sentiment_score":0.10806419478433434,"num_words":107,"start":2073.16,"end":2106.0552},{"sentences":[{"text":"As you kinda mentioned, I guess, having your daughter help you to make the appointment.","start":2106.2751,"end":2110.215,"sentiment":"neutral","sentiment_score":0.1197143351038297},{"text":"Alternatively, we could also refer you through to someone if you'd like to as well.","start":2110.915,"end":2114.915,"sentiment":"neutral","sentiment_score":0.11150645762681961},{"text":"So that's essentially how we would do this.","start":2114.915,"end":2117.395,"sentiment":"neutral","sentiment_score":0.2133516650646925},{"text":"We'll take it in nice easy steps, let you know what we're doing, when we're doing it, and how it goes just so that everything works in your comfort level.","start":2117.395,"end":2124.8801,"sentiment":"positive","sentiment_score":0.3929971883694331},{"text":"We can also essentially hold off a lot of this until you have your holiday just so you can take some time to enjoy yourself.","start":2125.34,"end":2132.0,"sentiment":"neutral","sentiment_score":0.1897827950119972}],"sentiment":"neutral","sentiment_score":0.23343667460064735,"num_words":93,"start":2106.2751,"end":2132.0},{"sentences":[{"text":"If you do decide to sign and return this back in the next few days, we'll just do the investment switch, and then I can get the team to hold off sending anything to you or doing anything further until after your holiday to make it easier on you as well if you'd like.","start":2132.835,"end":2146.515,"sentiment":"neutral","sentiment_score":0.10320810145801967},{"text":"Okay.","start":2146.515,"end":2147.015,"sentiment":"neutral","sentiment_score":0.12781570851802826},{"text":"Beautiful.","start":2148.44,"end":2148.94,"sentiment":"positive","sentiment_score":0.5870586633682251},{"text":"Beautiful.","start":2149.48,"end":2149.96,"sentiment":"positive","sentiment_score":0.6137404441833496},{"text":"Look.","start":2149.96,"end":2150.2798,"sentiment":"positive","sentiment_score":0.4296075701713562}],"sentiment":"neutral","sentiment_score":0.12640448043058658,"num_words":58,"start":2132.835,"end":2150.2798},{"sentences":[{"text":"That is essentially everything.","start":2150.2798,"end":2151.72,"sentiment":"neutral","sentiment_score":0.29985062777996063},{"text":"I know it can be a lot.","start":2151.72,"end":2153.18,"sentiment":"neutral","sentiment_score":0.1485376911503928},{"text":"Is there any questions that are coming up that you wanted me to kind of answer or any anything you kind of wanted to have me break down a bit further for you at all?","start":2153.24,"end":2161.9648,"sentiment":"neutral","sentiment_score":0.11904259898832865},{"text":"Yep.","start":2170.025,"end":2170.525,"sentiment":"neutral","sentiment_score":-0.024029310792684555},{"text":"Yeah.","start":2179.56,"end":2179.8801,"sentiment":"neutral","sentiment_score":0.017088621854782104}],"sentiment":"neutral","sentiment_score":0.13330659635054568,"num_words":48,"start":2150.2798,"end":2179.8801},{"sentences":[{"text":"It does.","start":2179.8801,"end":2180.4402,"sentiment":"neutral","sentiment_score":0.01884915353730321},{"text":"Yeah.","start":2180.4402,"end":2180.84,"sentiment":"neutral","sentiment_score":0.0030629783868789673},{"text":"So with the the buy sell, did you mean the buy sell page at the very top of the red and green that we went through?","start":2180.84,"end":2188.155,"sentiment":"neutral","sentiment_score":-0.00679483010361974},{"text":"Yep.","start":2190.395,"end":2190.715,"sentiment":"neutral","sentiment_score":0.0251103937625885},{"text":"Yep.","start":2190.715,"end":2191.195,"sentiment":"neutral","sentiment_score":0.02851828932762146}],"sentiment":"neutral","sentiment_score":-0.002654052069110255,"num_words":31,"start":2179.8801,"end":2191.195},{"sentences":[{"text":"So you'll see at the top there, and that's on page number 23.","start":2191.195,"end":2194.975,"sentiment":"neutral","sentiment_score":0.01852215138765482},{"text":"It has all the red.","start":2195.675,"end":2197.115,"sentiment":"neutral","sentiment_score":0.005711265839636326},{"text":"So the selling of all the investments within the aware, and that money is all put into hub 24 and reinvested below.","start":2197.115,"end":2204.1,"sentiment":"neutral","sentiment_score":0.01331980446014892},{"text":"Yeah.","start":2204.24,"end":2204.56,"sentiment":"neutral","sentiment_score":0.0171197559684515},{"text":"That's okay.","start":2204.56,"end":2205.3801,"sentiment":"neutral","sentiment_score":0.04426652006804943}],"sentiment":"neutral","sentiment_score":0.015535646313151647,"num_words":43,"start":2191.195,"end":2205.3801},{"sentences":[{"text":"Yeah.","start":2205.76,"end":2206.26,"sentiment":"neutral","sentiment_score":0.07370177656412125},{"text":"That's excellent.","start":2207.6,"end":2210.34,"sentiment":"positive","sentiment_score":0.4232882857322693},{"text":"Lovely.","start":2210.56,"end":2211.06,"sentiment":"positive","sentiment_score":0.5799309611320496},{"text":"Well, I'll let you go to have a bit of a read through it.","start":2212.1602,"end":2214.8,"sentiment":"neutral","sentiment_score":0.18606680738074438},{"text":"Feel free to take some time.","start":2214.8,"end":2215.92,"sentiment":"neutral","sentiment_score":0.12655087187886238}],"sentiment":"neutral","sentiment_score":0.20268541015684605,"num_words":24,"start":2205.76,"end":2215.92},{"sentences":[{"text":"I know it can be a lot when we're going through it together, so you're welcome to take it back when you've got some time.","start":2215.92,"end":2221.115,"sentiment":"neutral","sentiment_score":0.059553321599960324},{"text":"Now make yourself a cup of tea.","start":2221.1748,"end":2222.535,"sentiment":"neutral","sentiment_score":0.3255646399089268},{"text":"You're welcome to read through the document.","start":2222.535,"end":2224.2349,"sentiment":"neutral","sentiment_score":0.3201761841773987},{"text":"We've outlined the strategies there in a few additional pages that I haven't kind of touched on.","start":2224.775,"end":2231.4,"sentiment":"neutral","sentiment_score":0.17262156965101466},{"text":"But as you do read through the strategies, we've outlined the advantages and disadvantages of risks involved and also the best interest duty as well, which relates it back to your goal and notes how and why we've made that recommendation there for you.","start":2231.7998,"end":2244.1199,"sentiment":"neutral","sentiment_score":0.19535932232710448}],"sentiment":"neutral","sentiment_score":0.17539395675063132,"num_words":100,"start":2215.92,"end":2244.1199},{"sentences":[{"text":"So I touch on a lot of that as I'm going through those pages, but it's also noted in there for you so you can take some time to read it over if you like as well.","start":2244.1199,"end":2252.655,"sentiment":"neutral","sentiment_score":0.19329620172848572},{"text":"Okay.","start":2252.655,"end":2253.155,"sentiment":"neutral","sentiment_score":0.16649481654167175},{"text":"Beautiful.","start":2254.495,"end":2254.995,"sentiment":"positive","sentiment_score":0.5172359943389893},{"text":"Oh, that's okay.","start":2263.9302,"end":2264.81,"sentiment":"neutral","sentiment_score":0.09464119374752045},{"text":"I can note that in the back end if you like.","start":2264.81,"end":2266.81,"sentiment":"neutral","sentiment_score":0.11951783028515903}],"sentiment":"neutral","sentiment_score":0.17800584885309328,"num_words":53,"start":2244.1199,"end":2266.81},{"sentences":[{"text":"That's absolutely fine.","start":2266.81,"end":2267.9302,"sentiment":"neutral","sentiment_score":0.2822002073129018},{"text":"What's the share portfolio?","start":2267.9302,"end":2269.1501,"sentiment":"neutral","sentiment_score":0.03216040157712996},{"text":"Oh, okay.","start":2273.61,"end":2274.51,"sentiment":"neutral","sentiment_score":0.011304414831101894},{"text":"Beautiful.","start":2282.645,"end":2283.145,"sentiment":"positive","sentiment_score":0.5649817585945129},{"text":"So 300,000 there.","start":2283.285,"end":2285.045,"sentiment":"positive","sentiment_score":0.34788796305656433}],"sentiment":"neutral","sentiment_score":0.2004997465902796,"num_words":13,"start":2266.81,"end":2285.045},{"sentences":[{"text":"That's okay.","start":2285.045,"end":2285.7651,"sentiment":"positive","sentiment_score":0.3528236299753189},{"text":"I'll note that in the back end there for you, and we'll make sure that that is updated for the future.","start":2285.7651,"end":2289.865,"sentiment":"neutral","sentiment_score":0.21065149988446916},{"text":"For the time being, it doesn't have any current reflecting on the advice, which is good, but I will make sure that is updated in the back end for you for future reference.","start":2289.96,"end":2298.06,"sentiment":"neutral","sentiment_score":0.1526524286830064},{"text":"Okay.","start":2298.44,"end":2298.94,"sentiment":"neutral","sentiment_score":0.3008553683757782},{"text":"Yeah.","start":2304.28,"end":2304.705,"sentiment":"neutral","sentiment_score":-0.07132911682128906}],"sentiment":"neutral","sentiment_score":0.17924801992445155,"num_words":58,"start":2285.045,"end":2304.705},{"sentences":[{"text":"Well, at the moment, it won't because having a look.","start":2312.5452,"end":2317.92,"sentiment":"neutral","sentiment_score":-0.09972845390439034},{"text":"Yeah.","start":2329.68,"end":2330.18,"sentiment":"neutral","sentiment_score":-0.01386011764407158},{"text":"It's close.","start":2330.88,"end":2331.585,"sentiment":"neutral","sentiment_score":-0.041884420439600945},{"text":"But at the moment, it's not doing too bad.","start":2331.585,"end":2333.925,"sentiment":"neutral","sentiment_score":-0.0604576226323843},{"text":"At the moment, it wouldn't but when you get to age 67, we'll definitely reassess that, and we can look at how to best structure everything to make sure that we can shelter any additional assets that we need to to maximize a age pension eligibility for you.","start":2334.545,"end":2350.23,"sentiment":"neutral","sentiment_score":0.06396342090253408}],"sentiment":"neutral","sentiment_score":0.020445887172328574,"num_words":70,"start":2312.5452,"end":2350.23},{"sentences":[{"text":"So closer closer to we'll make sure we look at that.","start":2350.23,"end":2353.51,"sentiment":"neutral","sentiment_score":0.05227974768389355},{"text":"The good thing I like about the age pension system is that they readjust the rates or reassess the rates twice a year around the March 20 and September, but they also tend to increase or alter the the eligibility criteria, so your threshold for your assets and income as well.","start":2353.51,"end":2373.09,"sentiment":"neutral","sentiment_score":0.2748190094442928},{"text":"So in between now and age 67, they could also increase those thresholds, which means we get we can hold more assets before they start to reduce or alter how much age pension you're eligible for.","start":2373.33,"end":2385.49,"sentiment":"neutral","sentiment_score":0.13361261267628935},{"text":"So I'll make a note of that, and we'll definitely, as we get closer to it, reassess that for you.","start":2385.49,"end":2391.405,"sentiment":"neutral","sentiment_score":0.15533814318478106},{"text":"And when you get to age 67, we'll look at your drawdown, what you've got in super, how we structure that, how much age pension you're eligible for based on everything, and then how much we draw out of super.","start":2391.465,"end":2403.35,"sentiment":"neutral","sentiment_score":0.08822667803615332}],"sentiment":"neutral","sentiment_score":0.16478943511183503,"num_words":158,"start":2350.23,"end":2403.35},{"sentences":[{"text":"And we'll have a much more in-depth detail look at your retirement goals and how that looks for you and how we draw that down.","start":2403.35,"end":2411.59,"sentiment":"neutral","sentiment_score":0.13860598117113113},{"text":"How does that sound?","start":2411.59,"end":2412.6501,"sentiment":"neutral","sentiment_score":0.11132455244660378},{"text":"Yep.","start":2414.31,"end":2414.81,"sentiment":"neutral","sentiment_score":0.31917089223861694},{"text":"Fantastic.","start":2415.03,"end":2415.53,"sentiment":"positive","sentiment_score":0.7275979518890381},{"text":"Excellent.","start":2415.75,"end":2416.215,"sentiment":"positive","sentiment_score":0.6702825427055359}],"sentiment":"neutral","sentiment_score":0.1758593476843089,"num_words":32,"start":2403.35,"end":2416.215},{"sentences":[{"text":"Well, thank you so much for that.","start":2416.375,"end":2417.8152,"sentiment":"positive","sentiment_score":0.6280715380396161},{"text":"Look.","start":2417.8152,"end":2418.135,"sentiment":"positive","sentiment_score":0.500913679599762},{"text":"I appreciate your time today.","start":2418.135,"end":2419.975,"sentiment":"positive","sentiment_score":0.5783827781677247},{"text":"Thank you for taking my call.","start":2419.975,"end":2421.675,"sentiment":"positive","sentiment_score":0.5641484459241232},{"text":"My pleasure.","start":2425.975,"end":2426.715,"sentiment":"positive","sentiment_score":0.33652742207050323}],"sentiment":"positive","sentiment_score":0.5641558979238782,"num_words":21,"start":2416.375,"end":2426.715},{"sentences":[{"text":"It is.","start":2429.095,"end":2433.96,"sentiment":"neutral","sentiment_score":0.09146084263920784},{"text":"Absolutely.","start":2434.0999,"end":2434.5999,"sentiment":"neutral","sentiment_score":0.2512132525444031},{"text":"Absolutely.","start":2435.14,"end":2435.64,"sentiment":"neutral","sentiment_score":0.18861210346221924},{"text":"And, please, I know this can be a lot.","start":2435.7,"end":2437.54,"sentiment":"neutral","sentiment_score":-0.027328634427653417},{"text":"It can be overwhelming.","start":2437.54,"end":2438.5999,"sentiment":"neutral","sentiment_score":-0.17284799739718437}],"sentiment":"neutral","sentiment_score":-0.01850603871485766,"num_words":17,"start":2429.095,"end":2438.5999},{"sentences":[{"text":"So if it ever is, just let me know.","start":2438.9,"end":2441.7,"sentiment":"neutral","sentiment_score":-0.0028856417371167075},{"text":"We can slow it down or try to make it as slow as easy as you for you today.","start":2441.7,"end":2445.885,"sentiment":"neutral","sentiment_score":0.13825442485119166},{"text":"We can always slow it down even further, take it step by step, and we'll definitely come back and review it.","start":2446.185,"end":2451.385,"sentiment":"neutral","sentiment_score":0.15146558237306418},{"text":"So what I would like to do is make sure that in six months, you and I have another catch up if we don't have one beforehand just to see how things are going with the implementation, but also in your life and look at whether any new advice needs to be updated at that time as well.","start":2451.385,"end":2467.0,"sentiment":"neutral","sentiment_score":0.040529421113174535},{"text":"Does that sound okay with you?","start":2467.0,"end":2468.6199,"sentiment":"neutral","sentiment_score":0.05587994089970986}],"sentiment":"neutral","sentiment_score":0.07493474864013559,"num_words":113,"start":2438.9,"end":2468.6199},{"sentences":[{"text":"Yep.","start":2468.8398,"end":2469.3398,"sentiment":"neutral","sentiment_score":0.2724771797657013},{"text":"Fantastic, Catherine.","start":2470.92,"end":2472.475,"sentiment":"positive","sentiment_score":0.4264366030693054},{"text":"Absolutely.","start":2473.815,"end":2474.315,"sentiment":"neutral","sentiment_score":0.15900497138500214},{"text":"Yes.","start":2479.2551,"end":2479.7551,"sentiment":"neutral","sentiment_score":0.02255646511912346},{"text":"She 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yeah.","start":2490.92,"end":2492.76,"sentiment":"neutral","sentiment_score":0.06508300751447678}],"sentiment":"neutral","sentiment_score":0.15702025713399054,"num_words":20,"start":2483.975,"end":2492.76},{"sentences":[{"text":"No.","start":2492.76,"end":2493.0,"sentiment":"neutral","sentiment_score":-0.009900607168674467},{"text":"She is still definitely here.","start":2493.0,"end":2494.28,"sentiment":"neutral","sentiment_score":0.056350425630807874},{"text":"She has just stepped aside to take on another role.","start":2494.28,"end":2497.02,"sentiment":"neutral","sentiment_score":0.14874141216278075},{"text":"I've got Samantha here now assisting me in this role.","start":2497.8,"end":2501.24,"sentiment":"neutral","sentiment_score":0.11131539195775986},{"text":"We we do the admins tend to sort of take move around a little bit, take on different roles and try different things because it is such a very administration is very broad for the area in this role in this finance industry.","start":2501.24,"end":2513.64,"sentiment":"neutral","sentiment_score":0.052478219404123554}],"sentiment":"neutral","sentiment_score":0.07433308690678382,"num_words":69,"start":2492.76,"end":2513.64},{"sentences":[{"text":"But Michelle is still here.","start":2514.5999,"end":2516.0398,"sentiment":"neutral","sentiment_score":0.13950926661491395},{"text":"I still love her, still see her every day, and I'll let her know that you passed on that fantastic feedback for her.","start":2516.0398,"end":2523.18,"sentiment":"positive","sentiment_score":0.4531679101612257},{"text":"Yep.","start":2523.96,"end":2524.46,"sentiment":"neutral","sentiment_score":0.17281298339366913},{"text":"She is.","start":2525.48,"end":2526.105,"sentiment":"neutral","sentiment_score":0.04074501618742943},{"text":"She 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yeah.","start":2546.27,"end":2547.17,"sentiment":"neutral","sentiment_score":0.045919269323349}],"sentiment":"neutral","sentiment_score":0.03825106575738552,"num_words":43,"start":2533.465,"end":2547.17},{"sentences":[{"text":"Absolutely.","start":2548.91,"end":2549.41,"sentiment":"neutral","sentiment_score":0.2912607789039612},{"text":"Absolutely.","start":2550.11,"end":2550.61,"sentiment":"neutral","sentiment_score":0.15710927546024325},{"text":"Absolutely.","start":2552.03,"end":2552.53,"sentiment":"neutral","sentiment_score":0.1263057291507721},{"text":"I will.","start":2555.295,"end":2556.035,"sentiment":"neutral","sentiment_score":0.11697776988148689},{"text":"Yeah.","start":2562.975,"end":2563.135,"sentiment":"neutral","sentiment_score":0.16009323298931122}],"sentiment":"neutral","sentiment_score":0.16145409271121025,"num_words":6,"start":2548.91,"end":2563.135},{"sentences":[{"text":"Oh, that's good.","start":2563.135,"end":2564.115,"sentiment":"positive","sentiment_score":0.34604717294375104},{"text":"She is.","start":2565.855,"end":2566.53,"sentiment":"neutral","sentiment_score":0.07710028812289238},{"text":"I will.","start":2567.09,"end":2567.91,"sentiment":"neutral","sentiment_score":0.06928831338882446},{"text":"Absolutely.","start":2568.05,"end":2568.55,"sentiment":"neutral","sentiment_score":0.11047147214412688},{"text":"Absolutely.","start":2569.41,"end":2569.91,"sentiment":"neutral","sentiment_score":0.07186032831668854}],"sentiment":"neutral","sentiment_score":0.16813894692394468,"num_words":9,"start":2563.135,"end":2569.91},{"sentences":[{"text":"No.","start":2574.53,"end":2575.01,"sentiment":"neutral","sentiment_score":-0.053333722054958344},{"text":"She is really truly beautiful.","start":2575.01,"end":2576.71,"sentiment":"positive","sentiment_score":0.416983437538147},{"text":"Yeah.","start":2577.17,"end":2577.6501,"sentiment":"neutral","sentiment_score":0.12125486135482788},{"text":"Yep.","start":2577.6501,"end":2578.1501,"sentiment":"neutral","sentiment_score":0.05625287815928459},{"text":"Lovely.","start":2579.4248,"end":2579.9248,"sentiment":"positive","sentiment_score":0.5645413398742676}],"sentiment":"neutral","sentiment_score":0.30818139389157295,"num_words":9,"start":2574.53,"end":2579.9248},{"sentences":[{"text":"That's okay.","start":2582.2249,"end":2583.045,"sentiment":"neutral","sentiment_score":0.17963096499443054},{"text":"Yes.","start":2584.7048,"end":2585.2048,"sentiment":"neutral","sentiment_score":0.10961095988750458},{"text":"Lovely.","start":2586.625,"end":2587.125,"sentiment":"neutral","sentiment_score":0.2663850784301758},{"text":"I will I will look after you, and I'll make sure I catch up with you.","start":2594.0798,"end":2597.76,"sentiment":"neutral","sentiment_score":0.25832031667232513},{"text":"And I'll keep you on track.","start":2597.76,"end":2599.28,"sentiment":"positive","sentiment_score":0.45267551640669507}],"sentiment":"neutral","sentiment_score":0.29170908205784285,"num_words":26,"start":2582.2249,"end":2599.28},{"sentences":[{"text":"I promise.","start":2599.28,"end":2599.94,"sentiment":"neutral","sentiment_score":0.25652579963207245},{"text":"Okay?","start":2600.3198,"end":2600.8198,"sentiment":"positive","sentiment_score":0.35599130392074585},{"text":"Thank you, Catherine.","start":2602.16,"end":2603.1199,"sentiment":"positive","sentiment_score":0.6835523247718811},{"text":"Enjoy your holiday.","start":2603.1199,"end":2604.18,"sentiment":"positive","sentiment_score":0.686231772104899},{"text":"Absolutely.","start":2608.565,"end":2609.065,"sentiment":"neutral","sentiment_score":0.07024113088846207}],"sentiment":"positive","sentiment_score":0.5048636324703694,"num_words":10,"start":2599.28,"end":2609.065},{"sentences":[{"text":"Absolutely.","start":2609.365,"end":2609.865,"sentiment":"neutral","sentiment_score":-0.01946923136711121},{"text":"I will be away as of next week.","start":2609.925,"end":2611.605,"sentiment":"neutral","sentiment_score":-0.1892506293952465},{"text":"They're still coming to the office.","start":2611.605,"end":2612.9648,"sentiment":"neutral","sentiment_score":0.10656403792866816},{"text":"The team here are beautiful.","start":2612.9648,"end":2614.2449,"sentiment":"positive","sentiment_score":0.7720913767814637},{"text":"They'd love to meet you.","start":2614.2449,"end":2615.205,"sentiment":"positive","sentiment_score":0.8085784316062927}],"sentiment":"neutral","sentiment_score":0.2803703601192683,"num_words":25,"start":2609.365,"end":2615.205},{"sentences":[{"text":"Michelle will still be here.","start":2615.205,"end":2616.825,"sentiment":"positive","sentiment_score":0.3691798150539398},{"text":"And yeah.","start":2617.529,"end":2618.429,"sentiment":"positive","sentiment_score":0.47072848677635193},{"text":"Thanks, Kate.","start":2621.289,"end":2622.089,"sentiment":"positive","sentiment_score":0.48337969183921814},{"text":"Talk to you soon.","start":2622.089,"end":2622.989,"sentiment":"positive","sentiment_score":0.41688571870326996},{"text":"Thanks.","start":2623.609,"end":2624.089,"sentiment":"positive","sentiment_score":0.5092873573303223}],"sentiment":"positive","sentiment_score":0.42363897604601725,"num_words":14,"start":2615.205,"end":2624.089},{"sentences":[{"text":"See you later.","start":2624.089,"end":2624.909,"sentiment":"neutral","sentiment_score":0.2935303250948588},{"text":"Bye.","start":2624.969,"end":2625.469,"sentiment":"neutral","sentiment_score":0.12681783735752106}],"sentiment":"neutral","sentiment_score":0.25185220316052437,"num_words":4,"start":2624.089,"end":2625.469}]}}]},{"alternatives":[{"transcript":"Hello. Kate speaking. Good. Thank you. How are you? Yeah. Yeah. It is. Oh, just give me a second. Yeah. Not too bad. I'm packing for holidays, so that's kind of fun. Queensland. I'm coming up near you. Yeah. On Wednesday Wednesday morning. So yeah. Yes. Yes. Yeah. I'm just I'm literally across the golf course from where you are. So yeah. Well, it's cold still down here. So it's anything's better than that, really. Oh, okay. I'm sorry about the weather. Oh, how nice. Great ocean. Oh, it's beautiful even in not so great, you know, sunshine, but it's still beautiful down there. Yeah. Yes, please. Is it a person's name? Mark. It has. Yeah. Mhmm. I got it all the bill's all sorted, and now I've just I've gotta do a few things to renegotiate my loan so I can take some capital off it and go from there. Mhmm. Yes. It does. Yeah. Yes. Mhmm. It is statement of advice. Do I click to start, or I did it? Yep. Top me down to the bottom. Oh, it's huge. It is. Yes. Yep. I'm there. I'm at the top. Mhmm. Yep. Sure. Yeah. Yes. I don't think so. Mhmm. Mhmm. Yep. I made an appointment, then I canceled it. I'm just yeah. I do that. I got well, at least I made an appointment. I made contact with someone. I don't know. But I just think if I go back to my old solicitor, it's probably gonna be cheap rather than you know, I can't upgrading what I have rather than starting from scratch is probably gonna be a better option. So mhmm. Yeah. Yep. Mhmm. Mhmm. Mhmm. I did leave a message, but then when she didn't get back to me, that was it. I'm I'm very good at putting things in the hard baskets, but I will actually see if my daughter can contact her because that's that was where the contact came from. So I might do it that way. Not. Okay. Mhmm. Okay. Yep. Mhmm. Yeah. Getting there. Okay. I'm there. Mhmm. Yep. Yes. Okay. Yes. Mhmm. Sure. It sure does. Mhmm. Sorry. What page did you say? Yep. Okay. Oh, yeah. Okay. Mhmm. Mhmm. Mhmm. Yep. Okay. No. I think that'll make sense. Mhmm. Okay. Mhmm. Mhmm. Yep. So yeah. Okay. I'm I'm liking those numbers. Yeah. Okay. Mhmm. Okay. Yeah. Okay. Mhmm. Yes. Yep. Yep. Okay. Sure. Yeah. Okay. Okay. Mhmm. Mhmm. Yep. Beautiful. Okay. Mhmm. No. I don't think so. It all sounds pretty well, it seems straightforward to me and sounds very reasonable. Mhmm. Okay. Mhmm. Sure. Mhmm. Okay. Yes. Mhmm. Yes. Okay. I don't think so. Yes. Beautiful. Okay. Mhmm. Okay. Yep. Sure. Okay. The only thing was with all those swaps over, that doesn't include the the aware, does it? Yeah. Sure. Okay. I see that now. Yeah. Okay. Alright. Beautiful. Mhmm. Sure. In the assets and liabilities, it's I haven't given you the share portfolio. That was set up when my husband died, so I think that's got I haven't looked at it for ages, but I think it it's got about 300,000 in it. Beautiful. Well, I I probably do need to talk to you about it anyway because it may impact if I wanna go for a age pension. I might not be able to get it with that shared portfolio. I Yes. Beautiful. Yep. Sounds great. You're welcome. Thank you. Because this shit's just overwhelming for me. So having you worry about it instead of me, it's just so much nice. Beautiful. Yep. That sounds great. And just one last question. You had a beautiful assistant the last time I spoke to you, but she didn't book this appointment. Is she still working with you? Yes. Michelle. She is amazing. Yep. Yep. Yeah. She is beautiful. I was hoping she was still working with you directly, but I'm still here. I'm sad she left. No. To make her even more useful and delightful. Well, please say hello to her for me. She I we had a great old chat, and she's just yeah. I connected very well with her. So she's an asset. Look after her. I mean, I say that as a client. I don't know what she's like up there. But for me yeah. Yeah. Testing. Alright. Well, thank you so much, and I will wade through this, and I'm gonna sign it today. Otherwise, I'll forget, and then we're behind the eight ball again because I'm hopeless at coming back to things. So wonderful. Thank you so much. Alrighty. Oh, I will. And if I'm walking past, I'm gonna drop in. Sorry. Because yeah. All good. Beautiful. Okay. Well, thank you. Alrighty. Bye. 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Kate speaking. Good. Thank you. How are you?\n\nYeah. Yeah. It is. Oh, just give me a second. Yeah.\n\nNot too bad. I'm packing for holidays, so that's kind of fun. Queensland. I'm coming up near you. Yeah.\n\nOn Wednesday Wednesday morning. So yeah. Yes. Yes. Yeah.\n\nI'm just I'm literally across the golf course from where you are. So yeah. Well, it's cold still down here. So it's anything's better than that, really. Oh, okay.\n\nI'm sorry about the weather. Oh, how nice. Great ocean. Oh, it's beautiful even in not so great, you know, sunshine, but it's still beautiful down there. Yeah.\n\nYes, please. Is it a person's name? Mark. It has. Yeah.\n\nMhmm. I got it all the bill's all sorted, and now I've just I've gotta do a few things to renegotiate my loan so I can take some capital off it and go from there. Mhmm. Yes. It does.\n\nYeah. Yes. Mhmm. It is statement of advice. Do I click to start, or I did it?\n\nYep. Top me down to the bottom. Oh, it's huge. It is. Yes.\n\nYep. I'm there. I'm at the top. Mhmm. Yep.\n\nSure. Yeah. Yes. I don't think so. Mhmm.\n\nMhmm. Yep. I made an appointment, then I canceled it. I'm just yeah. I do that.\n\nI got well, at least I made an appointment. I made contact with someone. I don't know. But I just think if I go back to my old solicitor, it's probably gonna be cheap rather than you know, I can't upgrading what I have rather than starting from scratch is probably gonna be a better option. So mhmm.\n\nYeah. Yep. Mhmm. Mhmm. Mhmm.\n\nI did leave a message, but then when she didn't get back to me, that was it. I'm I'm very good at putting things in the hard baskets, but I will actually see if my daughter can contact her because that's that was where the contact came from. So I might do it that way. Not. Okay.\n\nMhmm. Okay. Yep. Mhmm. Yeah.\n\nGetting there. Okay. I'm there. Mhmm. Yep.\n\nYes. Okay. Yes. Mhmm. Sure.\n\nIt sure does. Mhmm. Sorry. What page did you say? Yep.\n\nOkay. Oh, yeah. Okay. Mhmm. Mhmm.\n\nMhmm. Yep. Okay. No. I think that'll make sense.\n\nMhmm. Okay. Mhmm. Mhmm. Yep.\n\nSo yeah. Okay. I'm I'm liking those numbers. Yeah. Okay.\n\nMhmm. Okay. Yeah. Okay. Mhmm.\n\nYes. Yep. Yep. Okay. Sure.\n\nYeah. Okay. Okay. Mhmm. Mhmm.\n\nYep. Beautiful. Okay. Mhmm. No.\n\nI don't think so. It all sounds pretty well, it seems straightforward to me and sounds very reasonable. Mhmm. Okay. Mhmm.\n\nSure. Mhmm. Okay. Yes. Mhmm.\n\nYes. Okay. I don't think so. Yes. Beautiful.\n\nOkay. Mhmm. Okay. Yep. Sure.\n\nOkay. The only thing was with all those swaps over, that doesn't include the the aware, does it? Yeah. Sure. Okay.\n\nI see that now. Yeah. Okay. Alright. Beautiful.\n\nMhmm. Sure. In the assets and liabilities, it's I haven't given you the share portfolio. That was set up when my husband died, so I think that's got I haven't looked at it for ages, but I think it it's got about 300,000 in it. Beautiful.\n\nWell, I I probably do need to talk to you about it anyway because it may impact if I wanna go for a age pension. I might not be able to get it with that shared portfolio. I Yes. Beautiful. Yep.\n\nSounds great. You're welcome. Thank you. Because this shit's just overwhelming for me. So having you worry about it instead of me, it's just so much nice.\n\nBeautiful. Yep. That sounds great. And just one last question. You had a beautiful assistant the last time I spoke to you, but she didn't book this appointment.\n\nIs she still working with you? Yes. Michelle. She is amazing. Yep.\n\nYep. Yeah. She is beautiful. I was hoping she was still working with you directly, but I'm still here. I'm sad she left.\n\nNo. To make her even more useful and delightful. Well, please say hello to her for me. She I we had a great old chat, and she's just yeah. I connected very well with her.\n\nSo she's an asset. Look after her. I mean, I say that as a client. I don't know what she's like up there. But for me yeah.\n\nYeah. Testing. Alright. Well, thank you so much, and I will wade through this, and I'm gonna sign it today. Otherwise, I'll forget, and then we're behind the eight ball again because I'm hopeless at coming back to things.\n\nSo wonderful. Thank you so much. Alrighty. Oh, I will. And if I'm walking past, I'm gonna drop in.\n\nSorry. Because yeah. All good. Beautiful. Okay.\n\nWell, thank you. Alrighty. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.28,"sentiment":"neutral","sentiment_score":0.03252861648797989},{"text":"Kate speaking.","start":1.28,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.025009529665112495},{"text":"Good.","start":6.64,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5920579433441162},{"text":"Thank you.","start":6.8799996,"end":7.3599997,"sentiment":"positive","sentiment_score":0.6353811621665955},{"text":"How are you?","start":7.3599997,"end":8.26,"sentiment":"positive","sentiment_score":0.3816011846065521}],"sentiment":"positive","sentiment_score":0.34335238859057426,"num_words":9,"start":1.04,"end":8.26},{"sentences":[{"text":"Yeah.","start":14.0,"end":14.5,"sentiment":"neutral","sentiment_score":0.16942359507083893},{"text":"Yeah.","start":14.719999,"end":15.2,"sentiment":"neutral","sentiment_score":0.23181354999542236},{"text":"It 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Yes.","start":2350.81,"end":2392.45,"sentiment":"neutral","sentiment_score":0.052305158227682114},{"text":"Beautiful.","start":2413.165,"end":2413.665,"sentiment":"positive","sentiment_score":0.5122030973434448},{"text":"Yep.","start":2413.805,"end":2414.305,"sentiment":"neutral","sentiment_score":0.2703050971031189}],"sentiment":"neutral","sentiment_score":-0.0856741421469828,"num_words":41,"start":2300.615,"end":2414.305},{"sentences":[{"text":"Sounds great.","start":2414.525,"end":2415.425,"sentiment":"positive","sentiment_score":0.6688009798526764},{"text":"You're welcome.","start":2422.93,"end":2423.5898,"sentiment":"positive","sentiment_score":0.4639642834663391},{"text":"Thank you.","start":2423.65,"end":2424.39,"sentiment":"positive","sentiment_score":0.533984512090683},{"text":"Because this shit's just overwhelming for me.","start":2425.8098,"end":2428.6099,"sentiment":"neutral","sentiment_score":-0.09170424512454442},{"text":"So having you worry about it instead of me, it's just so much nice.","start":2428.6099,"end":2433.2698,"sentiment":"neutral","sentiment_score":0.24692238867282867}],"sentiment":"neutral","sentiment_score":0.22772160282841436,"num_words":27,"start":2414.525,"end":2433.2698},{"sentences":[{"text":"Beautiful.","start":2468.675,"end":2468.8352,"sentiment":"positive","sentiment_score":0.4439866840839386},{"text":"Yep.","start":2468.8352,"end":2469.155,"sentiment":"neutral","sentiment_score":0.19640156626701355},{"text":"That sounds great.","start":2469.155,"end":2470.375,"sentiment":"positive","sentiment_score":0.6463968952496847},{"text":"And just one last question.","start":2471.0752,"end":2473.175,"sentiment":"neutral","sentiment_score":0.18353376537561417},{"text":"You had a beautiful assistant the last time I spoke to you, but she didn't book this appointment.","start":2474.0352,"end":2481.16,"sentiment":"neutral","sentiment_score":0.0842447883139054}],"sentiment":"neutral","sentiment_score":0.17905906973672764,"num_words":28,"start":2468.675,"end":2481.16},{"sentences":[{"text":"Is she still working with you?","start":2481.22,"end":2483.16,"sentiment":"neutral","sentiment_score":0.00281502523769935},{"text":"Yes.","start":2485.6199,"end":2486.1199,"sentiment":"neutral","sentiment_score":0.04531639441847801},{"text":"Michelle.","start":2486.18,"end":2486.68,"sentiment":"neutral","sentiment_score":0.05790243670344353},{"text":"She is amazing.","start":2490.435,"end":2495.815,"sentiment":"neutral","sentiment_score":0.17606696486473083},{"text":"Yep.","start":2512.49,"end":2512.99,"sentiment":"neutral","sentiment_score":0.02588268183171749}],"sentiment":"neutral","sentiment_score":0.056182713247835636,"num_words":12,"start":2481.22,"end":2512.99},{"sentences":[{"text":"Yep.","start":2514.4102,"end":2514.9102,"sentiment":"neutral","sentiment_score":0.05269477888941765},{"text":"Yeah.","start":2522.825,"end":2523.325,"sentiment":"neutral","sentiment_score":0.15172147750854492},{"text":"She is beautiful.","start":2523.465,"end":2524.605,"sentiment":"neutral","sentiment_score":0.23252973953882852},{"text":"I was hoping she was still working with you directly, but I'm still here.","start":2524.905,"end":2530.425,"sentiment":"neutral","sentiment_score":0.014071168045380287},{"text":"I'm sad she left.","start":2530.425,"end":2531.885,"sentiment":"neutral","sentiment_score":-0.11690508760511875}],"sentiment":"neutral","sentiment_score":0.027451368575186832,"num_words":23,"start":2514.4102,"end":2531.885},{"sentences":[{"text":"No.","start":2535.0898,"end":2535.5898,"sentiment":"neutral","sentiment_score":-0.05058949440717697},{"text":"To make her even more useful and delightful.","start":2546.2852,"end":2550.385,"sentiment":"neutral","sentiment_score":0.11048692231997848},{"text":"Well, please say hello to her for me.","start":2551.965,"end":2554.685,"sentiment":"neutral","sentiment_score":0.11349702626466751},{"text":"She I we had a great old chat, and she's just yeah.","start":2554.685,"end":2560.145,"sentiment":"neutral","sentiment_score":0.2113403007388115},{"text":"I connected very well with her.","start":2560.28,"end":2562.04,"sentiment":"neutral","sentiment_score":0.31267092128594715}],"sentiment":"neutral","sentiment_score":0.17581117802432605,"num_words":35,"start":2535.0898,"end":2562.04},{"sentences":[{"text":"So she's an asset.","start":2562.04,"end":2564.8599,"sentiment":"positive","sentiment_score":0.34085488691926},{"text":"Look after her.","start":2565.56,"end":2566.78,"sentiment":"neutral","sentiment_score":0.07710714886585872},{"text":"I mean, I say that as a client.","start":2569.48,"end":2571.16,"sentiment":"neutral","sentiment_score":0.021957073360681534},{"text":"I don't know what she's like up there.","start":2571.16,"end":2573.18,"sentiment":"neutral","sentiment_score":-0.0102061060606502},{"text":"But for me yeah.","start":2574.935,"end":2576.715,"sentiment":"neutral","sentiment_score":0.20426500774919987}],"sentiment":"neutral","sentiment_score":0.0928077319878395,"num_words":27,"start":2562.04,"end":2576.715},{"sentences":[{"text":"Yeah.","start":2577.095,"end":2577.595,"sentiment":"neutral","sentiment_score":0.18297164142131803},{"text":"Testing.","start":2577.895,"end":2578.395,"sentiment":"neutral","sentiment_score":0.09500052779912949},{"text":"Alright.","start":2579.2551,"end":2579.7551,"sentiment":"neutral","sentiment_score":0.18446676433086395},{"text":"Well, thank you so much, and I will wade through this, and I'm gonna sign it today.","start":2580.295,"end":2585.895,"sentiment":"neutral","sentiment_score":0.2913635938483126},{"text":"Otherwise, I'll forget, and then we're behind the eight ball again because I'm hopeless at coming back to things.","start":2585.895,"end":2594.02,"sentiment":"neutral","sentiment_score":-0.038437760680129655}],"sentiment":"neutral","sentiment_score":0.1201359634884657,"num_words":39,"start":2577.095,"end":2594.02},{"sentences":[{"text":"So wonderful.","start":2594.02,"end":2600.28,"sentiment":"positive","sentiment_score":0.35718249902129173},{"text":"Thank you so much.","start":2600.74,"end":2601.9602,"sentiment":"positive","sentiment_score":0.7397178560495377},{"text":"Alrighty.","start":2603.115,"end":2603.615,"sentiment":"positive","sentiment_score":0.5747802257537842},{"text":"Oh, I will.","start":2604.715,"end":2605.435,"sentiment":"neutral","sentiment_score":0.19927005469799042},{"text":"And if I'm walking past, I'm gonna drop in.","start":2605.435,"end":2607.835,"sentiment":"neutral","sentiment_score":0.013402322721150186}],"sentiment":"neutral","sentiment_score":0.2613919850830969,"num_words":19,"start":2594.02,"end":2607.835},{"sentences":[{"text":"Sorry.","start":2607.835,"end":2608.335,"sentiment":"neutral","sentiment_score":-0.05156179144978523},{"text":"Because yeah.","start":2609.195,"end":2610.095,"sentiment":"neutral","sentiment_score":-0.025053923949599266},{"text":"All good.","start":2617.035,"end":2617.8,"sentiment":"positive","sentiment_score":0.6363411545753479},{"text":"Beautiful.","start":2619.48,"end":2619.98,"sentiment":"positive","sentiment_score":0.6854227781295776},{"text":"Okay.","start":2620.2,"end":2620.7,"sentiment":"positive","sentiment_score":0.3489355444908142}],"sentiment":"neutral","sentiment_score":0.3150529989174434,"num_words":7,"start":2607.835,"end":2620.7},{"sentences":[{"text":"Well, thank you.","start":2621.6401,"end":2623.18,"sentiment":"positive","sentiment_score":0.4020370642344157},{"text":"Alrighty.","start":2623.24,"end":2623.74,"sentiment":"neutral","sentiment_score":0.2836662828922272},{"text":"Bye.","start":2624.04,"end":2624.54,"sentiment":"neutral","sentiment_score":0.2933163642883301},{"text":"Bye.","start":2625.32,"end":2625.82,"sentiment":"neutral","sentiment_score":-0.09957686066627502}],"sentiment":"neutral","sentiment_score":0.28058616320292157,"num_words":6,"start":2621.6401,"end":2625.82}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Kate speaking.\n\nChannel 0: Hi, Kate. This is Dana from OQ Financial. How are you today?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah. It is.\n\nChannel 0: Fantastic. Do you happen to have access to your email, sir, at the moment as well? I just normally send the document to you so you can review it with me.\n\nChannel 1: Oh, just give me a second.\n\nChannel 0: That's okay. You're fine. I'll just press send on this one\n\nChannel 1: Yeah.\n\nChannel 0: through. That's okay. How's your morning been so far?\n\nChannel 1: Not too bad.\n\nChannel 0: Yeah.\n\nChannel 1: I'm packing for holidays, so that's kind of fun.\n\nChannel 0: That is exciting. Where are you heading to?\n\nChannel 1: Queensland. I'm coming up near\n\nChannel 0: Oh, beautiful. And\n\nChannel 1: you.\n\nChannel 0: when are you heading up this way?\n\nChannel 1: Yeah. On Wednesday Wednesday morning. So\n\nChannel 0: Oh, lovely.\n\nChannel 1: yeah.\n\nChannel 0: This Wednesday is in in two days time, the ninth.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah. I'm just I'm literally across the golf course from where you are.\n\nChannel 0: Oh, beautiful. Beautiful.\n\nChannel 1: So\n\nChannel 0: Oh, well, hopefully, we have nice weather up here for you so you can enjoy yourself\n\nChannel 1: yeah.\n\nChannel 0: and relax.\n\nChannel 1: Well, it's cold still down here. So it's anything's better than that, really.\n\nChannel 0: Yeah. Yeah. Absolutely. The irony is I'm actually going on holidays next week, and I'm going your way.\n\nChannel 1: Oh, okay. I'm sorry about the weather.\n\nChannel 0: Oh, no. It's okay. I understand that. My brother-in-law lives down in Melbourne, so we're going down there. And we thought we'd just hire a car into the Great Ocean Road with my son as well.\n\nSo yeah.\n\nChannel 1: Oh, how nice. Great\n\nChannel 0: Yes.\n\nChannel 1: ocean. Oh, it's beautiful even\n\nChannel 0: Yes.\n\nChannel 1: in not so great, you know, sunshine, but it's still beautiful down there.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: No. Absolutely. All good. Just while that email is coming through to you, Kate, I just need to let you know moving forward before you run through the advice document, we do record our calls for quality and training purposes. Are you happy with me to proceed with that moving forward?\n\nChannel 1: Yes, please.\n\nChannel 0: Fantastic. And just do a quick security check there for you as well. I have a password on file. Do you happen to remember what that is?\n\nChannel 1: Is it a person's name?\n\nChannel 0: It is.\n\nChannel 1: Mark.\n\nChannel 0: Beautiful. Thank you. There we go. And has that email come through to you there at all as\n\nChannel 1: It\n\nChannel 0: of yet?\n\nChannel 1: has. Yeah.\n\nChannel 0: Beautiful. Excellent. So with this one here, when we sort of last caught up and you had done that withdrawal\n\nChannel 1: Mhmm.\n\nChannel 0: for that money to pay off the legal bills. Has that all sort of happened? Have you still got a bit of a buzz there, and how did that go getting all those legal bills out of the way?\n\nChannel 1: I got it all the bill's all sorted, and\n\nChannel 0: Yep.\n\nChannel 1: now I've just I've gotta do a few things to renegotiate my loan so I can take some capital off it and go\n\nChannel 0: Yes.\n\nChannel 1: from there.\n\nChannel 0: Yeah. Lovely. Excellent. Fantastic. Well, this advice piece is centered essentially around your superannuation side of things.\n\nSo you have that TBD claim, and you've now got those two super funds there. There's no insurance held in either of them. So we were looking at ways to try and consolidate things for you, reassess\n\nChannel 1: Mhmm.\n\nChannel 0: the investments, and reduce your risk profile so that you can be working towards over the next couple of years in with one super fund and trying to make the best of your money so that when you retire at age 67, once those workers' compensation payments stop, you can start to draw down some income to support your retirement lifestyle. Does that all sound relatively appropriate so far?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yep. Excellent. When you see that document now with the email there, the first thing you'll probably see is a bit of a blurb there, and then it's also got a button that says sign. Can you see\n\nChannel 1: Yeah.\n\nChannel 0: that at all? Yep.\n\nChannel 1: Yes.\n\nChannel 0: Just click on that button. It'll take you forward so you can see the document.\n\nChannel 1: Mhmm.\n\nChannel 0: It'll allow you to move through the document. Is that working for you?\n\nChannel 1: It is statement of\n\nChannel 0: Yep.\n\nChannel 1: advice.\n\nChannel 0: That's the one prepared\n\nChannel 1: Do\n\nChannel 0: for yourself.\n\nChannel 1: I click to start,\n\nChannel 0: Yep.\n\nChannel 1: or\n\nChannel 0: Just\n\nChannel 1: I\n\nChannel 0: so\n\nChannel 1: did\n\nChannel 0: it\n\nChannel 1: it?\n\nChannel 0: just so it takes you so you can see the statement of advice with your name on it, the date, and it'll let you move it through the pages. I don't want you to sign anything you haven't read. So\n\nChannel 1: Yep. Top\n\nChannel 0: is\n\nChannel 1: me down\n\nChannel 0: it letting\n\nChannel 1: to the\n\nChannel 0: you\n\nChannel 1: bottom.\n\nChannel 0: is it\n\nChannel 1: Oh,\n\nChannel 0: letting\n\nChannel 1: it's\n\nChannel 0: you\n\nChannel 1: huge.\n\nChannel 0: scroll back up to the top so you\n\nChannel 1: It\n\nChannel 0: can see\n\nChannel 1: is.\n\nChannel 0: the front of\n\nChannel 1: Yes.\n\nChannel 0: the document? Yeah. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent.\n\nChannel 1: I'm there. I'm at the top.\n\nChannel 0: Beautiful. So that's the front page there for you. I have on the\n\nChannel 1: Mhmm.\n\nChannel 0: bottom of the front page has my license information there. So I am a licensed\n\nChannel 1: Yep.\n\nChannel 0: adviser. My registration with Absa is 1304394, which you've got on the bottom there for your reference as well. Okay? Now all of our advice is valid for thirty days. So you do have some time to read it and go back and decide whether you wanna take on the recommendations.\n\nSo if you do have any questions in the meantime, you're welcome to let me know. With today, I'll run you through the areas and sections that we need to. I'll probably skip a couple of pages here and there just so we're touching on the points that we need to, and then you'll get a chance to go back and reread it over as well. Okay?\n\nChannel 1: Sure.\n\nChannel 0: Beautiful. The next page has the best interest, Judy. If you can just scroll past that one and the table of contents, it'll take you down to page number three, which the heading there says scope of advice and considered.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. This is the area in which we're looking at advice here. So your goal, essentially, with superannuation is to once your workers' compensation payment sees at about age 67 that you'd like to be able to explore drawing an income from super and also looking at eligibility for the age pension to support your income retirement needs there. Now does that still sound appropriate as a goal for your superannuation? Would there be any\n\nChannel 1: Yes.\n\nChannel 0: changes in that at all?\n\nChannel 1: I don't think so.\n\nChannel 0: No. That's okay. We'll keep reviewing it. So things may change closer or as you get, you know, closer to that age. That's absolutely fine.\n\nWe can just reevaluate that down the track.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: On the next page there, we've also got the estate planning side of things in here. So one of your goals was that you needed to and wanted to update your estate planning arrangements, including having a new will and power of attorney. That was something that was on your list to do last time we sort of caught up. How have you gone with updating those details? Have you spoken to a solicitor and had any that started yet?\n\nChannel 1: I made an appointment, then I canceled it.\n\nChannel 0: Or oh, no.\n\nChannel 1: I'm just yeah. I\n\nChannel 0: It's\n\nChannel 1: do\n\nChannel 0: okay.\n\nChannel 1: that. I got well,\n\nChannel 0: Yep.\n\nChannel 1: at least I made an appointment. I made contact\n\nChannel 0: That's\n\nChannel 1: with someone.\n\nChannel 0: absolutely. Most\n\nChannel 1: I\n\nChannel 0: definitely.\n\nChannel 1: don't know.\n\nChannel 0: Excellent.\n\nChannel 1: But I just think if I go back to my old solicitor,\n\nChannel 0: Yep.\n\nChannel 1: it's probably gonna be cheap\n\nChannel 0: Yep.\n\nChannel 1: rather than you know, I can't\n\nChannel 0: Yeah.\n\nChannel 1: upgrading what I have rather than starting from scratch is\n\nChannel 0: Absolutely.\n\nChannel 1: probably\n\nChannel 0: Yep.\n\nChannel 1: gonna\n\nChannel 0: That's\n\nChannel 1: be a\n\nChannel 0: absolutely\n\nChannel 1: better option.\n\nChannel 0: fine.\n\nChannel 1: So\n\nChannel 0: Not a problem.\n\nChannel 1: mhmm.\n\nChannel 0: And, I mean, they know your circumstances as well. If you've done your will with a certain solicitor previously. Sometimes it is easier to kinda go back and see them. They understand you a little bit better, and\n\nChannel 1: Yeah.\n\nChannel 0: it is a very it's a very sensitive topic to sort of talk about when you are addressing estate planning. So there's nothing wrong with that. Absolutely. And then the next page outlines a limited scope. So these are areas that we are scoping in in relation to other areas.\n\nSo one of the things is the retirement aspect. So because you are closer to age 67, you're in the within the time frame of us to be able to look at to a limited scope the essential what that looks like for you if you were to draw down on your super and also the age pension eligibility. This will change and can change as things as you get closer to age 67 because the age pension is assessed twice a year. And so the amount you could be eligible for plus, you know, the requirements around that could change as you get closer. But this is just looking at based on the current recommendations, what you could be able to receive and how this could work for you down the track.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And the next couple of pages outline the areas that we're not looking at any additional advice there. So I'll get you to scroll sort of scroll through the areas around cash flow and debt. So you did do that $50,000 withdrawal earlier to cover the lawyer's fees and give you a little bit of a buffer in savings there as well. So we haven't provided advice around that.\n\nThat all has been completed happily. You've\n\nChannel 1: Mhmm.\n\nChannel 0: also got your home loan, which you are wanting to speak to a mortgage broker and obtain a more competitive rate to sorta help you with paying that one down. This advice document isn't touching on any of those areas at the moment, but we can, down\n\nChannel 1: Mhmm.\n\nChannel 0: the track, provide you with some additional advice there.\n\nChannel 1: Mhmm.\n\nChannel 0: Page number eight, the next one is looking at the tax side of things. So you also were looking to get in touch with your tax accountant and look at getting your tax your tax returns up to date so that you could continue with the refinancing and look at getting a better rate. How have you gone doing that? Have you managed to speak to an accountant and get that sorted or in\n\nChannel 1: I\n\nChannel 0: the process\n\nChannel 1: did leave\n\nChannel 0: of doing\n\nChannel 1: a message,\n\nChannel 0: it?\n\nChannel 1: but then when\n\nChannel 0: No.\n\nChannel 1: she didn't get back to me, that was it.\n\nChannel 0: No. I'm\n\nChannel 1: I'm\n\nChannel 0: sorry.\n\nChannel 1: I'm very good at putting things in the hard baskets,\n\nChannel 0: Yeah.\n\nChannel 1: but I will actually see if my daughter can contact her because that's that was where the contact came from. So I might do it\n\nChannel 0: Yes.\n\nChannel 1: that way.\n\nChannel 0: Yep. Absolutely. Definitely. And then we've also got the insurance side of things scoped out as well, and that's on page number eight for you. So you did go through that total permanent disability claim, and we were looking to investigate the the note we had from Aware with regard to an income protection claim.\n\nSo we did go back. We had a look at that with them to find out what had happened. It looks like, obviously, that was opened as part of the initial claiming process. However, with the TBD payout, the income protection claim was closed off, and the income protection policy was also canceled along with the life policy that's part of the way's rules that once the TBD claim is paid out, that the life policy and the income protection policy no longer exists there. So it does mean that there's no insurance because there's not funds there currently.\n\nOkay.\n\nChannel 1: Not. Okay.\n\nChannel 0: Yep. Beautiful. We did a really good deed in a delve with that one though to find out what had gone on, what had happened, and it was really good to be able to understand their claims process and what they looked at there. But they did confirm that their income protection claim was fully closed off. And then the TPD claim was essentially paid out, and that canceled any additional insurances held within the AOS system.\n\nOkay.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Excellent. And then you've also got properties. So in the next sort of three to five years three to four years, sorry, you were also looking at possibly downsizing downsizing your home, hopefully, before the age of 67, which is what you were sort of thinking about doing and prepare for future entire retirement. So we're not providing any advice around this at the moment. However, down the track, when the time comes and you do wish to downsize, we can help help you out with, you know, looking at what to do with any additional funds and seeing where they might be appropriately placed to help with your retirement lifestyle.\n\nOkay.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Beautiful. And the last one that we had noted here was around page number 10, and that is just around the trust. So that,\n\nChannel 1: Yeah.\n\nChannel 0: again, is more of an attack a tax accountant sort of area, but you were looking at essentially changing the way the trust was, transfer transferring your existing shareholdings between trustees where appropriate, and or buying and selling underlying shares. So that's all kind of outside of our scope. That's more in relation to a tax accountant to kind of have the the trust altered. And so we've scoped out any advice around that for the time being there as well. Okay.\n\nPerfect. Now if I can get you to scroll down for me, just the page number. Sorry. I'm just scrolling through ahead of you. Just the page number 16.\n\nI'll start taking you through these recommendations.\n\nChannel 1: Getting there. Okay. I'm there.\n\nChannel 0: Yeah. You're fine. Not a problem at all. So, essentially, with this one here, I had a look at your super, both the hub 24 and Aware and all the different platforms out there to sort of look at how we could have things structured for you. So\n\nChannel 1: Mhmm.\n\nChannel 0: because Aware no longer has the insurances within the fund, I am recommending that we do close off the Aware Fund and roll everything into Hub twenty four. Retaining\n\nChannel 1: Yep.\n\nChannel 0: Hub twenty four means that we can adjust the portfolio. So when I looked at the different platforms and the different funds out there, Hub twenty four has a lot more different investment options. So it means that we're able to retain that fund and complete switches and change the investments within your super fund to suit you, and Hub twenty four's platform allows us to do so by holding. They hold just over 1,100 different investment options, so it does work really well for you.\n\nChannel 1: Yes.\n\nChannel 0: So what we're recommending is that we do consolidate the funds, move everything into hub twenty four. I'm also recommending that you do redirect your workers' compensation employer and, technically, their employer contributions into hub twenty four as well, and we'll provide you with the form to do so. Essentially, how I'd love to see this happen for you to make it easier on you, and we can sort of do it slowly so that you get to have your holiday first to make it easier.\n\nChannel 1: Okay.\n\nChannel 0: But, essentially, what we'll do is we'll start by completing an investment switch. So we're gonna also change the investments within your superannuation fund. At at the moment, you're in more of a growth environment, and we wanted to we talked about maybe reducing the risk\n\nChannel 1: Yes.\n\nChannel 0: essentially start by just doing an investment switch, changing the underlying investments within your HUD twenty four super account. We'll keep the aware open for the time being, and we'll give you the contributions form so that you can form so that you can provide that to your workers' compensation contact person, have them change that so that they are paid into hub twenty four. Once we see those contributions changed, then we can close off the Aware Super and roll the funds over. I wanted to kinda do it as slow because you have a lot happening and because it does encompass the workers' compensation side of things. We didn't wanna we didn't wanna close off Aware until we can see those contributions moved.\n\nIt makes the process a lot more streamlined for yourself doing things at a slower pace, but also making sure that you that those those employer contributions, the workers' compensation super contributions aren't missed in any way. That way, we don't have to it's it just sort of makes it a lot easier for yourself, essentially. But we are just gonna start by doing an investment switch retaining Hub twenty four and changing the underlying investments. One of the reasons I kinda wanna do that is because I had noticed that some of the investments have been underperforming a little bit, but also because we're reducing the risk level for you as well. Essentially, you're about sort of five to six years out from accessing those super.\n\nChannel 1: Mhmm.\n\nChannel 0: And, realistically, if anything happened and you needed funds beforehand, you're able to access it now because you're over the age of 60. So reducing your risk level is also appropriate as you get closer to accessing those funds and wanting to draw out on your super as well. Does that make\n\nChannel 1: Sure.\n\nChannel 0: sense so far?\n\nChannel 1: It sure\n\nChannel 0: Yeah.\n\nChannel 1: does.\n\nChannel 0: Beautiful.\n\nChannel 1: Mhmm.\n\nChannel 0: If I can get you to go down to page 21 for me, I can show you the recommendations and numbers around that to make it easier as well.\n\nChannel 1: Sorry. What page did you say?\n\nChannel 0: Beautiful. 21.\n\nChannel 1: Yep.\n\nChannel 0: The\n\nChannel 1: Okay.\n\nChannel 0: heading on there should be fee comparison.\n\nChannel 1: Oh, yeah. Okay.\n\nChannel 0: Yep. Beautiful. And please, if any of this, you know, is a little bit much or you need me to slow down or you need me to answer any questions, Kate, you're welcome to interrupt me and let me know. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. So the fee comparison table here breaks down the center of the recommendations. The two first columns are your hub twenty four and the aware. So your current scenario, your current where your super is currently, essentially. You've got your balances between the two accounts there.\n\nAnd within the two super funds, you're paying administration fees, investment fees, your ongoing service fee for us looking after everything comes out of hub twenty four, and you've also got your workers' compensation contributions going into the aware things that are currently there. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Underneath that, you're in the investor profile, which is the second column from the bottom, and that shows that at the moment you're in that growth environment. As a growth investor, you tend to see about 80% of your super in those growth investments. So think about things like Australian shares, international shares, property, and also precious metals like gold and silk silver there as well. That growth environment suit someone who has at least six years before accessing their super. And when we sort of last spoke last time, you're a bit more comfortable with reducing the risk level, starting to step that down a little bit as you get closer to accessing super.\n\nSo we're protecting more of your capital in the end of the day and hoping to see less market fluctuations, less ups and downs in the market, which was more your comfort level.\n\nChannel 1: Mhmm.\n\nChannel 0: So what you'll see in the recommended is the third column along, but we're looking to consolidate everything in the hub 24. You can see the expected balance once that has been completed. One\n\nChannel 1: Yep.\n\nChannel 0: of the other things I like to point out and if you look at the next column, you'll see there's a number there, the 1,092. As I kinda mentioned before, part of what I wanna do with the recommendations is to be able to alter your Whenever we do look at the research and change investments within a super fund, we know there's gonna be capital gains consequences for your super. So just like you, your super fund every year does a tax return. It pays income tax and capital gains tax on investments as well. By the switch, and I'll take you through what it looks like in a second, But, essentially, in order to make the switch within Hub '24, we estimate based on the research, your super fund would pay capital gains of $1,092.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Does that make sense? Do you have any questions so far?\n\nChannel 1: No. I think that'll make sense.\n\nChannel 0: That's okay. Beautiful. You'll also then see with the recommended there, you've got the administration fee. That essentially is just slightly more because we're moving everything into Hub twenty four, but then you've also got the investment fee underneath that. At the moment, within the two funds, you're paying 2,004 for the investment fee from Hub twenty four and $156 from Aware.\n\nBy consolidating everything in this newer portfolio, the investment fee is expected to be $719. So you're essentially gonna save $1,441 on the investment fee, which is a pretty decent saving. That's next to 14\n\nChannel 1: Mhmm.\n\nChannel 0: $141 that should stay in your super fund working for harder for you over the longer term there, which is positive.\n\nChannel 1: Okay.\n\nChannel 0: Yep. The essentially, it's a savings, so you'll you'll save money on investment fees. It's gonna be cheaper in this newer portfolio and to consolidate the funds, which works better for you. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. And then you've also got the ongoing service fee consolidating everything, having it in one place, and we charge an ongoing service fee of 1.65%. That's for having us look after the super, look after the investments, make sure we're reinvesting funds on a regular basis, and also provide an updated price for you as well. So that essentially comes out of the hub twenty four super account, and it is based on the balance in the account there as well. And then we'll get you to also contribute to move your workers' compensation contributions over to hub twenty four as well.\n\nSo everything's in that one place there for you. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Beautiful. Now underneath that, again, looking at the investor profile, the newer portfolio will be balanced growth. So we are reducing the risk level. It's essentially stepping down about 10% risk level wise. The older portfolio in the growth environment between the two funds was averaged about 5.45%, which wasn't bad.\n\nHowever, the newer portfolio has averaged about 9.35%. So, essentially, we've looked at putting you into a portfolio with investments within the super fund, which are lowering the risk level for you but have also shown greater past performance, which over time with the consolidation and the reduction in investment fees can also put you in a much better place down the track there as well. Does that make\n\nChannel 1: So\n\nChannel 0: sense?\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Underneath that table is your projection table. It sort of shows you the difference between the two. We're staying where you currently are with the two funds and how it all is structured at the moment. Over the next five to six years, you could see a bit over 427,000 or 437,000 in super over the next sort of six years.\n\nHowever, by consolidating everything, saving on investment fees, lowering the risk level, and seeing a greater performance, which is possible with the newer portfolio, you could essentially see yourself up over 500,000 in the next five to six years, which puts you in a much greater better position and gives you more funds to be able to retire on down the track there as well.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: Beautiful.\n\nChannel 1: I'm liking those numbers.\n\nChannel 0: You are? I'm glad. If I can get you to scroll down for me just to page number 23, I'll take you through the investment changes as well.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: There we go. This has a lot going on. That's why I sort of like to send the document to you. But you'll essentially see here the first column outlines the two different funds, AWARE and then hub twenty four. It's also got all the different investment options noted there for you.\n\nIt does go over onto the next page there a little bit as well.\n\nChannel 1: Mhmm.\n\nChannel 0: The second column has what's called an API code. This is essentially a ticker code or a registration code, which we use to buy and sell the investments. The next column is your current weighting. So that's how much of your super you have invested in each of these as a dollar figure. The column\n\nChannel 1: Okay.\n\nChannel 0: we wanna sort of look at is your buy sell column, which is the next one. It has the red and green areas there.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially, anything red is what we're gonna be selling down, and anything green is what we're gonna be buying into for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. So, realistically, when we have a look at this, in order to consolidate, we'll be selling off everything within the Aware Super, and that'll all be transferred into Hub 24. Within the Hub 24, which is the if you go down to that section there, you'll see with the physical gold, we've only got we wanna hold about 10%, so we'll buy some more physical gold. And in order to alter the portfolio, we'll be selling off the silver. Has done really well, but has been very up and down this year as well.\n\nChannel 1: Mhmm.\n\nChannel 0: The Bannalong Equities is an investment that's been underperforming very heavily within your portfolio, and we don't wanna hold anything. It's underperforming. So we're also gonna remove the Bannalong Australian Equities. The Vanguard diversified index is gonna be gone there as well, so fully selling that off. Then underneath that, you've got the BetaShares cybersecurity.\n\nThat one there, we still wanna hold some of the investment. We wanna only wanna hold 4% at the moment. You're a little bit overexposed. You have too much. So as part of reducing risk level, we're just gonna sell some of that off so you only hold 4% in your portfolio.\n\nChannel 1: Yes.\n\nChannel 0: The one underneath that is the Global x battery and lithium tech. That one there is more of a themed exchange traded funds. So that one there in a portfolio is meant to generate good returns, but it's also taking on a bit more risk in the portfolio. And part of what we're doing is reducing your risk levels. So we'll be selling all of that off.\n\nChannel 1: Yep.\n\nChannel 0: And the same thing with the MorningStar Global Tech, that one's gonna come out completely as well. Again, we're reducing the risk levels. So looking to try and obtain good returns, but making sure you're taking on too much risk in the market and having too many of those volatile up and down investments that can make you quite nervous. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: So then underneath that, you've got the iShares Europe, and this one here is giving you exposure to all the European countries. Part of reducing risk is about diversifying your portfolio, so investing in all the different countries and asset classes, but trying to do it in a way that's low cost and provides good exposure. The iShares Europe has seen really good returns, is a very cheap investment to hold, and so we wanna hold 7% of that investment for you. Okay?\n\nChannel 1: Sure.\n\nChannel 0: Underneath that, you've got the s and p 500. This is giving you exposure to the top 500 companies on The US market. We\n\nChannel 1: Yeah.\n\nChannel 0: wanna hold about 25%, so we need to buy a little bit more of that investment within your portfolio. Okay?\n\nChannel 1: Okay.\n\nChannel 0: You've also got the iShares Asia exposure. We're gonna be selling that completely off. We're still gonna hold Asia exposure, but we're gonna hold it another way for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Underneath that, and this is on the next page if you scroll down slightly,\n\nChannel 1: Mhmm.\n\nChannel 0: you've got the Vanguard Australian fixed interest. This is giving you exposure to fixed interest or defensive assets. We are still gonna hold defensive assets, but this one hasn't really been performing very well. So we're gonna remove that completely from your portfolio.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the last sort of areas there are showing you what we're gonna be buying into to complete your portfolio. So we just wanna hold some Japanese exposure. We're gonna hold 3%, so it means buying in December 11,000 of that investment. And then to give you diversification and to give you exposure to the entire globe, we're going to have the Vanguard all world ex US investment. We wanna hold 7% of that investment, and that's giving you exposure to the entire globe as to all the different countries, both established markets, but also up and coming markets.\n\nThe only one that's not included is The US Of A, and that's because we hold the S and P 500 above there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And then underneath that, because we have gotten rid of the Benelon Australian Equities, we still wanna hold a bit more Australian investments. So we've got the BetaShares Australia 200. This is giving you exposure to the top 200 companies on the Australian ASX market. It has had much better track record and hasn't underperformed as badly as Bennelong has.\n\nSo we're going to remove the Bennelong, get rid of the underperforming investments, put this in its place. It gives you more diversification, and it helps to lower your risk level, but also making sure you hold some Australian investments there as well. Okay?\n\nChannel 1: Beautiful.\n\nChannel 0: Excellent. And the last one there is the ICS called composite bonds. This is giving you exposure to both government and corporate bonds as well as some other fixed interest and defensive assets across the globe as well and will hold 24% there for you. So part of reducing the risk level is increasing your defensive exposure, And defensive investments are low risk. They tend to get a lower rate of return, but they're also good for income producing.\n\nWhat we wanna see from not only defensive assets, but your entire portfolio is that dividends are paid out to your cash account within the Superfund. That way, the money is received and reinvested back into your portfolio, and that helps with the compounding effect towards your retirement goals there as well. Okay.\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: Yeah. That that can be a lot. Do you have any questions about any of those investments, Kate?\n\nChannel 1: No. I don't think so. It all sounds pretty well, it seems straightforward to me and sounds\n\nChannel 0: Yeah. That's\n\nChannel 1: very reasonable.\n\nChannel 0: perfect. Perfect. Perfect. And then underneath that, you've got another table there which has your cash account. It\n\nChannel 1: Mhmm.\n\nChannel 0: essentially shows at the moment you've got about 7,000 sitting in cash there. We only ever wanna hold a minimum amount of cash, so 1.25%. So we'll take a bit over $2,200, and we'll just reinvest that back into your portfolio for you as well. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Excellent. The next page, if you can go down to, is page number 26 there for me.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when we sort of looked at the scoping side of things, remember I sort of talked about how we scoped into a limited scope looking at the retirement aspect. So because you're still about five to six years away from accessing your super and we're still growing your super, we don't sort of do a full recommendation on how much you can draw down and on what basis to cover your retirement. That is all looked at in a much in-depth area when we get to retirement. However,\n\nChannel 1: Sure.\n\nChannel 0: just looking at where you're tracking now gives you a bit of an idea of what you can expect based on our current recommendations. And while this can definitely change, it's just sort of showing you what the light at the end of the tunnel could look like based on our current project projected outcome for you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. So with this page here, we're essentially looking at, you know, at a comfortable basis. And this is just looking at a retirement income of, say, $52,000 a year, so a thousand dollars per week from the age of 67. And it sort of shows that at the moment, you could be drawing down that income amount from 67 and also encompassing some age age pension because you're showing eligibility for that as well from age 67 onwards, and that you could realistically be drawing that income plus accessing your age pension, up until around about age 90 to 91. Up until around about age 90 to 91.\n\nSo it is giving you longevity out of your super, and it is providing the income requirement of about $52,000 per year up to about age 92 currently. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So it is showing that you can draw the income needed. You'll also get some age pension to supplement, and you should still get some longevity out of your super. I would love to see this build even more because you might wanna take holidays, overseas trips, and other things, and take money out for Christmas presents and things like that as well.\n\nChannel 1: Yes.\n\nChannel 0: So I'd love to build and sort of grow on this and make sure it works a harder for you. However, it does sort of show that based on this, you can draw the income based on an average, you know, $52,000 a year and still have your super last a fairly day fairly\n\nChannel 1: Mhmm.\n\nChannel 0: good time horizon And, also, have eligibility for Centrelink, which is good as well because, you know, being able to draw some Centrelink and some super does also make super last a little bit longer. And, also, the age pension from age 67 onwards gives you access to, you know, the health care cards and things like that, which also can help reduce your expenditure on a regular\n\nChannel 1: Yes.\n\nChannel 0: basis. Yeah. So that worked\n\nChannel 1: Okay.\n\nChannel 0: out quite well. Do you have any questions about that so far?\n\nChannel 1: I don't think so.\n\nChannel 0: No. That's okay. That's all good. And then the next page onwards is just about recommending that you do speak to a solicitor and have your will and power of attorneys updated. It takes you through the reasoning behind doing so, the advantages, disadvantages, and the risks involved.\n\nJust making sure that if in the event that anything was to happen to you, that your will, your power of attorney, and any other estate planning documents are up to date to make sure that your your wishes are reflective and that, you know, your your everything you've worked so hard for is directed to where you wanted to go in the event that something was to happen to you. Okay.\n\nChannel 1: Yes. Beautiful.\n\nChannel 0: Beautiful. Nice. Excellent. The only other thing I'd like to sort of take you through, if you can go down a little bit further for me, is just down to, sorry, page number 37. And this shows you how we would implement the advice to make it a bit easier for you.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. This is this is essentially a step by step guide as to how we implement the advice. So the first one is and you're welcome to take this back, have a bit of a read through the document. Let me know if you do happen to have any questions. But, essentially, if you're happy to take on the advice, we do ask that you sign and return that back there for me.\n\nOnce we receive this back, our team will start by just doing an investment switch. So within Hub twenty four, we will make the changes to the investments as of that one above there for you.\n\nChannel 1: Mhmm.\n\nChannel 0: And then we'll also make sure that we give you the contributions form. And if you can just provide that to the contact you have for the workers' compensation, we will leave the aware open until we see those contributions change. I wanna take this a little bit slower for you because it is dealing with the workers' compensation team, and they could take a little bit longer to have that switch completed. So it is worth just going a bit slower for this one.\n\nChannel 1: Okay.\n\nChannel 0: So then we'll give you that form. You provide that to them. We can also if you wanted to give us the the details of the person, we can cc you into the email, and we can also email them the information as well. We'll work within what your comfort level is to have that completed. But once we essentially see those contributions move to hub twenty four, then we'll do the final rollover.\n\nWe'll close off the Aware Super and consolidate everything over, and the funds within the Aware Super will then also be invested within the portfolio outlined in here for you. And then the last step is just making sure you do speak to a solicitor. As you kinda mentioned, I guess, having your daughter help you to make the appointment. Alternatively, we could also refer you through to someone if you'd like to as well. So that's essentially how we would do this.\n\nWe'll take it in nice easy steps, let you know what we're doing, when we're doing it, and how it goes just so that everything works in your comfort level. We\n\nChannel 1: Yep.\n\nChannel 0: can also essentially hold off a lot of this until you have your holiday just so you can take some time to enjoy yourself. If you do decide to sign and return this back in the next few days, we'll just do the investment switch, and then I can get the team to hold off sending anything to you or doing anything further until after your holiday to make it easier on you as well if you'd like. Okay.\n\nChannel 1: Sure. Okay.\n\nChannel 0: Beautiful. Beautiful. Look. That is essentially everything. I know it can be a lot.\n\nIs there any questions that are coming up that you wanted me to kind of answer or any anything you kind of wanted to have me break down a bit further for you at all?\n\nChannel 1: The only thing was\n\nChannel 0: Yep.\n\nChannel 1: with all those swaps over, that doesn't include the the aware, does it?\n\nChannel 0: Yeah. It does. Yeah. So with the the buy sell, did you mean the buy sell page at the very top of the red and green that we went through?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. So you'll see at the top there, and that's on page number 23. It has all the red. So the selling of all the investments within the aware, and that money is all put into hub 24 and\n\nChannel 1: Sure.\n\nChannel 0: reinvested\n\nChannel 1: Okay.\n\nChannel 0: below.\n\nChannel 1: I see\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: That's\n\nChannel 1: now.\n\nChannel 0: okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: That's\n\nChannel 1: Alright. Beautiful.\n\nChannel 0: excellent. Lovely. Well, I'll let you go to have a bit of a read through it. Feel free to take some time. I know it can be a lot when we're going through it together, so you're welcome to take it back when you've got some time.\n\nNow make yourself a cup of tea. You're welcome to read through the document. We've outlined the strategies there in a few additional pages that I haven't kind of touched on. But\n\nChannel 1: Mhmm.\n\nChannel 0: as you do read through the strategies, we've outlined the advantages and disadvantages of risks involved and also the best interest duty as well, which relates it back to your goal and notes how and why we've made that recommendation there for you. So I touch on a lot of that as I'm going through those pages, but it's also noted in there for you so you can take some time to read it over if you like as well. Okay.\n\nChannel 1: Sure.\n\nChannel 0: Beautiful.\n\nChannel 1: In the assets and liabilities, it's I haven't given you the share portfolio.\n\nChannel 0: Oh, that's okay. I can note that in the back end if you like. That's absolutely fine. What's the share portfolio?\n\nChannel 1: That was set up when my husband died, so\n\nChannel 0: Oh,\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: think that's got I haven't looked at it for ages, but I think it it's got about 300,000 in it.\n\nChannel 0: Beautiful. So 300,000 there. That's okay. I'll note that in the back end there for you, and we'll make sure that that is updated for the future. For the time being, it doesn't have any current reflecting on the advice, which is good, but I will make sure that is updated in the back end for you for future reference.\n\nOkay.\n\nChannel 1: Beautiful. Well, I I probably do need to talk to you about it anyway because it\n\nChannel 0: Yeah.\n\nChannel 1: may impact if I wanna go for a age pension. I might not be able to get it with that shared portfolio.\n\nChannel 0: Well, at the moment, it won't because having a look. Yeah. It's close. But at the moment, it's not doing too bad. At the moment, it wouldn't but when you get to age 67, we'll definitely reassess that, and we can look at how to best structure everything to make sure that we can shelter any additional assets that we need to to maximize a age pension eligibility for you.\n\nSo\n\nChannel 1: I\n\nChannel 0: closer closer to we'll make sure we look at that. The good thing I like about the age pension system is that they readjust the rates or reassess the rates twice a year around the March 20 and September, but they also tend to increase or alter the the eligibility criteria, so your threshold for your assets and income as well. So in between now and age 67, they could also increase those thresholds, which means we get we can hold more assets before they start to reduce or alter how much age pension you're eligible for. So I'll make a note of that, and we'll definitely, as we get closer to it, reassess that for you. And when you\n\nChannel 1: Yes.\n\nChannel 0: get to age 67, we'll look at your drawdown, what you've got in super, how we structure that, how much age pension you're eligible for based on everything, and then how much we draw out of super. And we'll have a much more in-depth detail look at your retirement goals and how that looks for you and how we draw that down. How does that sound?\n\nChannel 1: Beautiful. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Sounds great.\n\nChannel 0: Fantastic. Excellent. Well, thank you so much for that. Look. I appreciate your time today.\n\nThank you for taking my call.\n\nChannel 1: You're welcome. Thank you. Because\n\nChannel 0: My\n\nChannel 1: this\n\nChannel 0: pleasure.\n\nChannel 1: shit's just overwhelming for me. So\n\nChannel 0: It\n\nChannel 1: having you worry about it instead of me, it's just so much nice.\n\nChannel 0: is. Absolutely. Absolutely. And, please, I know this can be a lot. It can be overwhelming.\n\nSo if it ever is, just let me know. We can slow it down or try to make it as slow as easy as you for you today. We can always slow it down even further, take it step by step, and we'll definitely come back and review it. So what I would like to do is make sure that in six months, you and I have another catch up if we don't have one beforehand just to see how things are going with the implementation, but also in your life and look at whether any new advice needs to be updated at that time as well. Does that sound okay with you?\n\nChannel 1: Beautiful. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That sounds great.\n\nChannel 0: Fantastic,\n\nChannel 1: And just one\n\nChannel 0: Catherine.\n\nChannel 1: last question.\n\nChannel 0: Absolutely.\n\nChannel 1: You had a beautiful assistant the last time I spoke to you,\n\nChannel 0: Yes.\n\nChannel 1: but she didn't book this appointment. Is she still working with you?\n\nChannel 0: She is. That was Michelle. Michelle is\n\nChannel 1: Yes.\n\nChannel 0: still here.\n\nChannel 1: Michelle.\n\nChannel 0: She is? Yes, she is really very beautiful.\n\nChannel 1: She is\n\nChannel 0: She has just stepped yeah. No. She is still definitely here. She has just stepped aside\n\nChannel 1: amazing.\n\nChannel 0: to take on another role. I've got Samantha here now assisting me in this role. We we do the admins tend to sort of take move around a little bit, take on different roles and try different things because it is such a very administration is very broad for the area in this role in this\n\nChannel 1: Yep.\n\nChannel 0: finance industry.\n\nChannel 1: Yep.\n\nChannel 0: But Michelle is still here. I still love her, still see her every day, and I'll let her know that you passed on that fantastic feedback for her.\n\nChannel 1: Yeah. She is\n\nChannel 0: Yep.\n\nChannel 1: beautiful. I was\n\nChannel 0: She is.\n\nChannel 1: hoping she was still working with you directly,\n\nChannel 0: She\n\nChannel 1: but I'm still here.\n\nChannel 0: yeah.\n\nChannel 1: I'm sad she left.\n\nChannel 0: Absolutely. I will. But, no, she\n\nChannel 1: No.\n\nChannel 0: still sits very close to me every day. She's just taking on a little bit of a side step to learn some new areas within our our job and within the financial planning administration areas. So\n\nChannel 1: To make\n\nChannel 0: yeah.\n\nChannel 1: her even more useful and\n\nChannel 0: Absolutely.\n\nChannel 1: delightful.\n\nChannel 0: Absolutely.\n\nChannel 1: Well,\n\nChannel 0: Absolutely.\n\nChannel 1: please say hello to her for me. She\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: will.\n\nChannel 1: we had a great old chat, and she's just yeah. I connected very well with her. So\n\nChannel 0: Yeah. Oh, that's good.\n\nChannel 1: she's an asset. Look\n\nChannel 0: She\n\nChannel 1: after\n\nChannel 0: is.\n\nChannel 1: her.\n\nChannel 0: I will. Absolutely. Absolutely.\n\nChannel 1: I mean, I say that as a client. I don't know what she's like up there.\n\nChannel 0: No.\n\nChannel 1: But\n\nChannel 0: She\n\nChannel 1: for\n\nChannel 0: is\n\nChannel 1: me\n\nChannel 0: really truly beautiful.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Testing. Alright.\n\nChannel 0: Lovely.\n\nChannel 1: Well, thank you so much, and I will\n\nChannel 0: That's okay.\n\nChannel 1: wade through this, and I'm gonna\n\nChannel 0: Yes.\n\nChannel 1: sign it today. Otherwise, I'll forget,\n\nChannel 0: Lovely.\n\nChannel 1: and then we're behind the eight ball again because I'm hopeless at coming back to things. So\n\nChannel 0: I will I will look after you, and I'll make sure I catch up with you. And I'll keep you on track. I promise.\n\nChannel 1: wonderful.\n\nChannel 0: Okay?\n\nChannel 1: Thank you so much.\n\nChannel 0: Thank you, Catherine.\n\nChannel 1: Alrighty.\n\nChannel 0: Enjoy your holiday.\n\nChannel 1: Oh, I will. And if I'm walking past, I'm gonna drop in. Sorry.\n\nChannel 0: Absolutely.\n\nChannel 1: Because\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: I will be away as of next week. They're still coming to the office. The team here are beautiful. They'd love to meet you. Michelle will still be here.\n\nChannel 1: All good.\n\nChannel 0: And yeah.\n\nChannel 1: Beautiful. Okay.\n\nChannel 0: Thanks,\n\nChannel 1: Well,\n\nChannel 0: Kate. Talk to you\n\nChannel 1: thank\n\nChannel 0: soon.\n\nChannel 1: you. Alrighty.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.28,"sentiment":"neutral","sentiment_score":0.03252861648797989},{"text":"Kate speaking.","start":1.28,"end":2.1799998,"sentiment":"neutral","sentiment_score":0.025009529665112495}],"sentiment":"neutral","sentiment_score":0.027515891939401627,"channel":1,"num_words":3,"start":1.04,"end":2.1799998},{"sentences":[{"text":"Hi, Kate.","start":2.96,"end":3.52,"sentiment":"neutral","sentiment_score":0.15423408150672913},{"text":"This is Dana from OQ Financial.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":0.19046562165021896},{"text":"How are you 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very good at putting things in the hard baskets,","start":578.55,"end":581.37,"sentiment":"positive","sentiment_score":0.6361252963542938}],"sentiment":"positive","sentiment_score":0.6361252963542938,"channel":1,"num_words":10,"start":578.55,"end":581.37},{"sentences":[{"text":"Yeah.","start":581.98,"end":582.48,"sentiment":"neutral","sentiment_score":0.22353696823120117}],"sentiment":"neutral","sentiment_score":0.22353696823120117,"channel":0,"num_words":1,"start":581.98,"end":582.48},{"sentences":[{"text":"but I will actually see if my daughter can contact her because that's that was where the contact came from.","start":583.11505,"end":592.715,"sentiment":"neutral","sentiment_score":0.08797659315168857},{"text":"So I might do it","start":592.715,"end":594.155,"sentiment":"neutral","sentiment_score":0.12861484289169312}],"sentiment":"neutral","sentiment_score":0.09610424309968948,"channel":1,"num_words":25,"start":583.11505,"end":594.155},{"sentences":[{"text":"Yes.","start":594.01495,"end":594.51495,"sentiment":"neutral","sentiment_score":0.21478766202926636}],"sentiment":"neutral","sentiment_score":0.21478766202926636,"channel":0,"num_words":1,"start":594.01495,"end":594.51495},{"sentences":[{"text":"that way.","start":594.155,"end":594.815,"sentiment":"neutral","sentiment_score":0.24611210823059082}],"sentiment":"neutral","sentiment_score":0.24611210823059082,"channel":1,"num_words":2,"start":594.155,"end":594.815},{"sentences":[{"text":"Yep.","start":594.975,"end":595.375,"sentiment":"neutral","sentiment_score":0.27847230434417725},{"text":"Absolutely.","start":595.375,"end":595.875,"sentiment":"positive","sentiment_score":0.4764780998229981},{"text":"Definitely.","start":596.495,"end":596.995,"sentiment":"positive","sentiment_score":0.3620681166648865},{"text":"And then we've also got the insurance side of things scoped out as well, and that's on page number eight for you.","start":597.87994,"end":602.92,"sentiment":"neutral","sentiment_score":0.06374433365735141},{"text":"So you did go through that total permanent disability claim, and we were looking to investigate the the note we had from Aware with regard to an income protection claim.","start":602.92,"end":612.68,"sentiment":"neutral","sentiment_score":-0.0328888659675916}],"sentiment":"neutral","sentiment_score":0.027867779677564448,"channel":0,"num_words":55,"start":594.975,"end":612.68},{"sentences":[{"text":"So we did go back.","start":612.68,"end":614.03503,"sentiment":"neutral","sentiment_score":-0.02873951569199562},{"text":"We had a look at that with them to find out what had happened.","start":614.03503,"end":616.775,"sentiment":"neutral","sentiment_score":-0.025940928874271258},{"text":"It looks like, obviously, that was opened as part of the initial claiming process.","start":617.155,"end":621.73505,"sentiment":"neutral","sentiment_score":-0.04420680818813188},{"text":"However, with the TBD payout, the income protection claim was closed off, and the income protection policy was also canceled along with the life policy that's part of the way's rules that once the TBD claim is paid out, that the life policy and the income protection policy no longer exists there.","start":621.79504,"end":639.10004,"sentiment":"neutral","sentiment_score":-0.16102384962141514},{"text":"So it does mean that there's no insurance because there's not funds there 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did a really good deed in a delve with that one though to find out what had gone on, what had happened, and it was really good to be able to understand their claims process and what they looked at there.","start":645.275,"end":654.93,"sentiment":"neutral","sentiment_score":0.2613695246123132},{"text":"But they did confirm that their income protection claim was fully closed off.","start":655.17,"end":659.75,"sentiment":"neutral","sentiment_score":-0.016116166917177346},{"text":"And then the TPD claim was essentially paid out, and that canceled any additional insurances held within the AOS 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properties.","start":670.065,"end":671.42505,"sentiment":"neutral","sentiment_score":0.11233076825737953},{"text":"So in the next sort of three to five years three to four years, sorry, you were also looking at possibly downsizing downsizing your home, hopefully, before the age of 67, which is what you were sort of thinking about doing and prepare for future entire retirement.","start":671.42505,"end":686.13995,"sentiment":"neutral","sentiment_score":0.035988228276689},{"text":"So we're not providing any advice around this at the moment.","start":686.27997,"end":689.48,"sentiment":"neutral","sentiment_score":-0.15010397000746292},{"text":"However, down the track, when the time comes and you do wish to downsize, we can help help you out with, you know, looking at what to do with any additional funds and seeing where they might be appropriately placed to help with your retirement 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10, and that is just around the trust.","start":705.095,"end":710.91,"sentiment":"neutral","sentiment_score":0.0016788260212966374},{"text":"So that,","start":711.47,"end":711.79,"sentiment":"neutral","sentiment_score":-0.03171718493103981}],"sentiment":"neutral","sentiment_score":0.02480354517077406,"channel":0,"num_words":24,"start":703.65497,"end":711.79},{"sentences":[{"text":"Yeah.","start":711.75,"end":712.25,"sentiment":"neutral","sentiment_score":-0.0417657308280468}],"sentiment":"neutral","sentiment_score":-0.0417657308280468,"channel":1,"num_words":1,"start":711.75,"end":712.25},{"sentences":[{"text":"again, is more of an attack a tax accountant sort of area, but you were looking at essentially changing the way the trust was, transfer transferring your existing shareholdings between trustees where appropriate, and or buying and selling underlying shares.","start":711.79,"end":726.445,"sentiment":"neutral","sentiment_score":-0.1048381419852376},{"text":"So that's all kind of outside of our scope.","start":726.445,"end":728.925,"sentiment":"neutral","sentiment_score":-0.2799487163623174},{"text":"That's more in relation to a tax accountant to kind of have the the trust altered.","start":728.925,"end":733.985,"sentiment":"neutral","sentiment_score":-0.14959828928112984},{"text":"And so we've scoped out any advice around that for the time being there as well.","start":734.685,"end":738.51996,"sentiment":"neutral","sentiment_score":-0.03626250382512808},{"text":"Okay.","start":738.51996,"end":739.01996,"sentiment":"neutral","sentiment_score":0.28858715295791626}],"sentiment":"neutral","sentiment_score":-0.11461280077332403,"channel":0,"num_words":82,"start":711.79,"end":739.01996},{"sentences":[{"text":"Perfect.","start":740.92,"end":741.42,"sentiment":"positive","sentiment_score":0.5480449795722961},{"text":"Now if I can get you to scroll down for me, just the page 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those super.","start":934.905,"end":939.16504,"sentiment":"neutral","sentiment_score":-0.0409292183882956}],"sentiment":"neutral","sentiment_score":0.2909537586750184,"channel":0,"num_words":127,"start":896.875,"end":939.16504},{"sentences":[{"text":"Mhmm.","start":939.69995,"end":940.19995,"sentiment":"neutral","sentiment_score":0.052758608013391495}],"sentiment":"neutral","sentiment_score":0.052758608013391495,"channel":1,"num_words":1,"start":939.69995,"end":940.19995},{"sentences":[{"text":"And, realistically, if anything happened and you needed funds beforehand, you're able to access it now because you're over the age of 60.","start":939.89,"end":946.53,"sentiment":"neutral","sentiment_score":0.06700278798361188},{"text":"So reducing your risk level is also appropriate as you get closer to accessing those funds and wanting to draw out on your super as well.","start":946.53,"end":954.125,"sentiment":"neutral","sentiment_score":0.31976973380033785},{"text":"Does that 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sure","start":955.555,"end":956.195,"sentiment":"neutral","sentiment_score":0.13963116705417633}],"sentiment":"neutral","sentiment_score":0.13963116705417633,"channel":1,"num_words":2,"start":955.555,"end":956.195},{"sentences":[{"text":"Yeah.","start":955.885,"end":956.385,"sentiment":"neutral","sentiment_score":0.20720604062080383}],"sentiment":"neutral","sentiment_score":0.20720604062080383,"channel":0,"num_words":1,"start":955.885,"end":956.385},{"sentences":[{"text":"does.","start":956.195,"end":956.695,"sentiment":"neutral","sentiment_score":0.24626445770263672}],"sentiment":"neutral","sentiment_score":0.24626445770263672,"channel":1,"num_words":1,"start":956.195,"end":956.695},{"sentences":[{"text":"Beautiful.","start":957.325,"end":957.825,"sentiment":"positive","sentiment_score":0.6179505586624146}],"sentiment":"positive","sentiment_score":0.6179505586624146,"channel":0,"num_words":1,"start":957.325,"end":957.825},{"sentences":[{"text":"Mhmm.","start":958.77,"end":959.27,"sentiment":"neutral","sentiment_score":0.3090354800224304}],"sentiment":"neutral","sentiment_score":0.3090354800224304,"channel":1,"num_words":1,"start":958.77,"end":959.27},{"sentences":[{"text":"If I can get you to go down to page 21 for me, I can show you the recommendations and numbers around that to make it easier as well.","start":958.84503,"end":966.21,"sentiment":"neutral","sentiment_score":0.24618841553556509}],"sentiment":"neutral","sentiment_score":0.24618841553556509,"channel":0,"num_words":29,"start":958.84503,"end":966.21},{"sentences":[{"text":"Sorry.","start":969.09,"end":969.41003,"sentiment":"neutral","sentiment_score":-0.00937708467245102},{"text":"What page did you say?","start":969.41003,"end":970.87,"sentiment":"neutral","sentiment_score":-0.004933392070233822}],"sentiment":"neutral","sentiment_score":-0.005674007503936688,"channel":1,"num_words":6,"start":969.09,"end":970.87},{"sentences":[{"text":"Beautiful.","start":971.09,"end":971.41003,"sentiment":"neutral","sentiment_score":0.22579562664031985},{"text":"21.","start":971.41003,"end":972.15,"sentiment":"neutral","sentiment_score":0.06496238708496094}],"sentiment":"neutral","sentiment_score":0.14537900686264038,"channel":0,"num_words":2,"start":971.09,"end":972.15},{"sentences":[{"text":"Yep.","start":972.29004,"end":972.585,"sentiment":"neutral","sentiment_score":0.0740431696176529}],"sentiment":"neutral","sentiment_score":0.0740431696176529,"channel":1,"num_words":1,"start":972.29004,"end":972.585},{"sentences":[{"text":"The","start":972.69,"end":972.93,"sentiment":"neutral","sentiment_score":0.03256781026721001}],"sentiment":"neutral","sentiment_score":0.03256781026721001,"channel":0,"num_words":1,"start":972.69,"end":972.93},{"sentences":[{"text":"Okay.","start":972.825,"end":973.325,"sentiment":"neutral","sentiment_score":0.026189718395471573}],"sentiment":"neutral","sentiment_score":0.026189718395471573,"channel":1,"num_words":1,"start":972.825,"end":973.325},{"sentences":[{"text":"heading on there should be fee comparison.","start":972.93,"end":974.79004,"sentiment":"neutral","sentiment_score":0.03616958750145776}],"sentiment":"neutral","sentiment_score":0.03616958750145776,"channel":0,"num_words":7,"start":972.93,"end":974.79004},{"sentences":[{"text":"Oh, yeah.","start":975.145,"end":975.705,"sentiment":"neutral","sentiment_score":0.06965498998761177},{"text":"Okay.","start":975.705,"end":976.205,"sentiment":"neutral","sentiment_score":0.10743167251348495}],"sentiment":"neutral","sentiment_score":0.08224721749623616,"channel":1,"num_words":3,"start":975.145,"end":976.205},{"sentences":[{"text":"Yep.","start":976.21,"end":976.71,"sentiment":"neutral","sentiment_score":0.18225061893463135},{"text":"Beautiful.","start":976.77,"end":977.17004,"sentiment":"positive","sentiment_score":0.46752235293388367},{"text":"And please, if any of this, you know, is a little bit much or you need me to slow down or you need me to answer any questions, Kate, you're welcome to interrupt me and let me know.","start":977.17004,"end":985.265,"sentiment":"neutral","sentiment_score":0.03403796588903979},{"text":"Okay?","start":985.265,"end":985.765,"sentiment":"neutral","sentiment_score":0.04555293172597885}],"sentiment":"neutral","sentiment_score":0.04850655139946356,"channel":0,"num_words":41,"start":976.21,"end":985.765},{"sentences":[{"text":"Mhmm.","start":986.10504,"end":986.60504,"sentiment":"neutral","sentiment_score":0.07183964550495148}],"sentiment":"neutral","sentiment_score":0.07183964550495148,"channel":1,"num_words":1,"start":986.10504,"end":986.60504},{"sentences":[{"text":"Beautiful.","start":987.265,"end":987.765,"sentiment":"positive","sentiment_score":0.3610667884349823},{"text":"So the fee comparison table here breaks down the center of the recommendations.","start":988.385,"end":992.085,"sentiment":"neutral","sentiment_score":0.20466134410638076},{"text":"The two first columns are your hub twenty four and the aware.","start":992.48004,"end":995.68005,"sentiment":"neutral","sentiment_score":0.1236030850559473},{"text":"So your current scenario, your current where your super is currently, essentially.","start":995.68005,"end":1001.06,"sentiment":"neutral","sentiment_score":0.12879896660645804},{"text":"You've got your balances between the two accounts there.","start":1001.36005,"end":1004.16003,"sentiment":"neutral","sentiment_score":0.14168768293327755}],"sentiment":"neutral","sentiment_score":0.15586548996098498,"channel":0,"num_words":47,"start":987.265,"end":1004.16003},{"sentences":[{"text":"And within the two super funds, you're paying administration fees, investment fees, your ongoing service fee for us looking after everything comes out of hub twenty four, and you've also got your workers' compensation contributions going into the aware things that are currently there.","start":1004.16003,"end":1019.79504,"sentiment":"neutral","sentiment_score":0.14017652771012348},{"text":"Okay?","start":1019.85504,"end":1020.35504,"sentiment":"neutral","sentiment_score":0.04590491950511933}],"sentiment":"neutral","sentiment_score":0.13808160308334563,"channel":0,"num_words":45,"start":1004.16003,"end":1020.35504},{"sentences":[{"text":"Mhmm.","start":1020.98004,"end":1021.48004,"sentiment":"neutral","sentiment_score":0.038568515330553055}],"sentiment":"neutral","sentiment_score":0.038568515330553055,"channel":1,"num_words":1,"start":1020.98004,"end":1021.48004},{"sentences":[{"text":"Underneath that, you're in the investor profile, which is the second column from the bottom, and that shows that at the moment you're in that growth environment.","start":1021.96,"end":1028.9401,"sentiment":"neutral","sentiment_score":0.07168411960204442},{"text":"As a growth investor, you tend to see about 80% of your super in those growth investments.","start":1029.8,"end":1034.78,"sentiment":"neutral","sentiment_score":0.13206243515014648},{"text":"So think about things like Australian shares, international shares, property, and also precious metals like gold and silk silver there as well.","start":1035.0,"end":1043.705,"sentiment":"neutral","sentiment_score":0.14905737746845593},{"text":"That growth environment suit someone who has at least six years before accessing their super.","start":1044.165,"end":1049.225,"sentiment":"neutral","sentiment_score":0.16690794626871744},{"text":"And when we sort of last spoke last time, you're a bit more comfortable with reducing the risk level, starting to step that down a little bit as you get closer to accessing super.","start":1049.45,"end":1057.55,"sentiment":"neutral","sentiment_score":0.19767902901067452}],"sentiment":"neutral","sentiment_score":0.14508261836093406,"channel":0,"num_words":115,"start":1021.96,"end":1057.55},{"sentences":[{"text":"So we're protecting more of your capital in the end of the day and hoping to see less market fluctuations, less ups and downs in the market, which was more your comfort level.","start":1057.69,"end":1066.345,"sentiment":"positive","sentiment_score":0.3341666342634143}],"sentiment":"positive","sentiment_score":0.3341666342634143,"channel":0,"num_words":33,"start":1057.69,"end":1066.345},{"sentences":[{"text":"Mhmm.","start":1066.975,"end":1067.43,"sentiment":"neutral","sentiment_score":0.020738007500767708}],"sentiment":"neutral","sentiment_score":0.020738007500767708,"channel":1,"num_words":1,"start":1066.975,"end":1067.43},{"sentences":[{"text":"So what you'll see in the recommended is the third column along, but we're looking to consolidate everything in the hub 24.","start":1067.045,"end":1074.745,"sentiment":"neutral","sentiment_score":0.06649561277167364},{"text":"You can see the expected balance once that has been completed.","start":1074.885,"end":1078.025,"sentiment":"neutral","sentiment_score":0.09574984014034271},{"text":"One","start":1078.89,"end":1079.01,"sentiment":"neutral","sentiment_score":0.11696051061153412}],"sentiment":"neutral","sentiment_score":0.07744447744506247,"channel":0,"num_words":34,"start":1067.045,"end":1079.01},{"sentences":[{"text":"Yep.","start":1078.9501,"end":1079.4501,"sentiment":"neutral","sentiment_score":0.1546553075313568}],"sentiment":"neutral","sentiment_score":0.1546553075313568,"channel":1,"num_words":1,"start":1078.9501,"end":1079.4501},{"sentences":[{"text":"of the other things I like to point out and if you look at the next column, you'll see there's a number there, the 1,092.","start":1079.01,"end":1085.63,"sentiment":"neutral","sentiment_score":0.15094326198101043},{"text":"As I kinda mentioned before, part of what I wanna do with the recommendations is to be able to alter your Whenever we do look at the research and change investments within a super fund, we know there's gonna be capital gains consequences for your super.","start":1086.01,"end":1106.775,"sentiment":"neutral","sentiment_score":0.07959665706300217},{"text":"So just like you, your super fund every year does a tax return.","start":1107.09,"end":1110.61,"sentiment":"neutral","sentiment_score":0.06503218355087134},{"text":"It pays income tax and capital gains tax on investments as well.","start":1110.61,"end":1114.7899,"sentiment":"neutral","sentiment_score":0.04325665642196933},{"text":"By the switch, and I'll take you through what it looks like in a second, But, essentially, in order to make the switch within Hub '24, we estimate based on the research, your super fund would pay capital gains of $1,092.","start":1115.73,"end":1128.885,"sentiment":"neutral","sentiment_score":0.04619367861347955}],"sentiment":"neutral","sentiment_score":0.07805450263358381,"channel":0,"num_words":137,"start":1079.01,"end":1128.885},{"sentences":[{"text":"Okay?","start":1128.885,"end":1129.385,"sentiment":"neutral","sentiment_score":0.058194007724523544}],"sentiment":"neutral","sentiment_score":0.058194007724523544,"channel":0,"num_words":1,"start":1128.885,"end":1129.385},{"sentences":[{"text":"Okay.","start":1129.96,"end":1130.46,"sentiment":"neutral","sentiment_score":0.11052989959716795}],"sentiment":"neutral","sentiment_score":0.11052989959716795,"channel":1,"num_words":1,"start":1129.96,"end":1130.46},{"sentences":[{"text":"Beautiful.","start":1131.045,"end":1131.545,"sentiment":"positive","sentiment_score":0.4587807357311249},{"text":"Does that make sense?","start":1132.0851,"end":1132.9651,"sentiment":"neutral","sentiment_score":0.27115243673324585},{"text":"Do you have any questions so far?","start":1132.9651,"end":1134.81,"sentiment":"neutral","sentiment_score":0.0932398789695331}],"sentiment":"neutral","sentiment_score":0.18300580295423666,"channel":0,"num_words":12,"start":1131.045,"end":1134.81},{"sentences":[{"text":"No.","start":1136.3049,"end":1136.5449,"sentiment":"neutral","sentiment_score":-0.027852877974510193},{"text":"I think that'll make sense.","start":1136.5449,"end":1138.245,"sentiment":"neutral","sentiment_score":-0.0033292082138359548}],"sentiment":"neutral","sentiment_score":-0.007416486507281661,"channel":1,"num_words":6,"start":1136.3049,"end":1138.245},{"sentences":[{"text":"That's okay.","start":1138.5701,"end":1139.29,"sentiment":"neutral","sentiment_score":0.24802687019109726},{"text":"Beautiful.","start":1139.29,"end":1139.79,"sentiment":"positive","sentiment_score":0.4823514223098755},{"text":"You'll also then see with the recommended there, you've got the administration fee.","start":1141.3701,"end":1145.7101,"sentiment":"neutral","sentiment_score":0.15216871522940123},{"text":"That essentially is just slightly more because we're moving everything into Hub twenty four, but then you've also got the investment fee underneath that.","start":1146.01,"end":1153.1649,"sentiment":"neutral","sentiment_score":0.095701956966271},{"text":"At the moment, within the two funds, you're paying 2,004 for the investment fee from Hub twenty four and $156 from Aware.","start":1153.3049,"end":1160.605,"sentiment":"neutral","sentiment_score":0.16402882473035293}],"sentiment":"neutral","sentiment_score":0.14293676728923474,"channel":0,"num_words":62,"start":1138.5701,"end":1160.605},{"sentences":[{"text":"By consolidating everything in this newer portfolio, the investment fee is expected to be $719.","start":1160.94,"end":1167.5,"sentiment":"positive","sentiment_score":0.33426411747932433},{"text":"So you're essentially gonna save $1,441 on the investment fee, which is a pretty decent saving.","start":1167.5,"end":1174.46,"sentiment":"positive","sentiment_score":0.5217455215752125},{"text":"That's next to 14","start":1174.46,"end":1175.605,"sentiment":"positive","sentiment_score":0.3936043605208397}],"sentiment":"positive","sentiment_score":0.4267516442707607,"channel":0,"num_words":35,"start":1160.94,"end":1175.605},{"sentences":[{"text":"Mhmm.","start":1175.4501,"end":1175.9501,"sentiment":"neutral","sentiment_score":0.280719518661499}],"sentiment":"neutral","sentiment_score":0.280719518661499,"channel":1,"num_words":1,"start":1175.4501,"end":1175.9501},{"sentences":[{"text":"$141 that should stay in your super fund working for harder for you over the longer term there, which is positive.","start":1175.605,"end":1182.1849,"sentiment":"positive","sentiment_score":0.397712488259588}],"sentiment":"positive","sentiment_score":0.397712488259588,"channel":0,"num_words":21,"start":1175.605,"end":1182.1849},{"sentences":[{"text":"Okay.","start":1184.235,"end":1184.735,"sentiment":"neutral","sentiment_score":0.2966163158416748}],"sentiment":"neutral","sentiment_score":0.2966163158416748,"channel":1,"num_words":1,"start":1184.235,"end":1184.735},{"sentences":[{"text":"Yep.","start":1185.365,"end":1185.865,"sentiment":"positive","sentiment_score":0.34441253542900085},{"text":"The essentially, it's a savings, so you'll you'll save money on investment fees.","start":1186.325,"end":1190.86,"sentiment":"positive","sentiment_score":0.4498670009466318},{"text":"It's gonna be cheaper in this newer portfolio and to consolidate the funds, which works better for you.","start":1190.86,"end":1195.9,"sentiment":"positive","sentiment_score":0.5182454619142745},{"text":"Okay.","start":1195.9,"end":1196.4,"sentiment":"neutral","sentiment_score":0.09908053278923036}],"sentiment":"positive","sentiment_score":0.4733388604539813,"channel":0,"num_words":33,"start":1185.365,"end":1196.4},{"sentences":[{"text":"Mhmm.","start":1196.3151,"end":1196.8151,"sentiment":"neutral","sentiment_score":0.05150054395198822}],"sentiment":"neutral","sentiment_score":0.05150054395198822,"channel":1,"num_words":1,"start":1196.3151,"end":1196.8151},{"sentences":[{"text":"Yeah.","start":1197.3401,"end":1197.8401,"sentiment":"neutral","sentiment_score":0.018473949283361435},{"text":"And then you've also got the ongoing service fee consolidating everything, having it in one place, and we charge an ongoing service fee of 1.65%.","start":1197.98,"end":1206.1749,"sentiment":"neutral","sentiment_score":0.11276704341173172},{"text":"That's for having us look after the super, look 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growth.","start":1236.6549,"end":1242.0149,"sentiment":"neutral","sentiment_score":0.1507657701149583},{"text":"So we are reducing the risk level.","start":1242.0149,"end":1243.855,"sentiment":"neutral","sentiment_score":0.15505345910787582},{"text":"It's essentially stepping down about 10% risk level wise.","start":1243.855,"end":1247.11,"sentiment":"neutral","sentiment_score":0.09508265140983793},{"text":"The older portfolio in the growth environment between the two funds was averaged about 5.45%, which wasn't bad.","start":1247.49,"end":1254.71,"sentiment":"neutral","sentiment_score":0.056452336410681404}],"sentiment":"neutral","sentiment_score":0.11555379775224947,"channel":0,"num_words":51,"start":1235.695,"end":1254.71},{"sentences":[{"text":"However, the newer portfolio has averaged about 9.35%.","start":1254.9299,"end":1258.695,"sentiment":"neutral","sentiment_score":0.11528507247567177},{"text":"So, essentially, we've looked at putting you into a portfolio with investments 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that table is your projection table.","start":1279.14,"end":1281.38,"sentiment":"neutral","sentiment_score":0.04671609614576612},{"text":"It sort of shows you the difference between the two.","start":1281.38,"end":1283.62,"sentiment":"neutral","sentiment_score":0.05442042127251625},{"text":"We're staying where you currently are with the two funds and how it all is structured at the moment.","start":1283.62,"end":1288.135,"sentiment":"neutral","sentiment_score":0.09924889002975665},{"text":"Over the next five to six years, you could see a bit over 427,000 or 437,000 in super over the next sort of six years.","start":1288.135,"end":1297.435,"sentiment":"neutral","sentiment_score":0.15280718505382537}],"sentiment":"neutral","sentiment_score":0.10753244726407912,"channel":0,"num_words":62,"start":1277.78,"end":1297.435},{"sentences":[{"text":"However, by consolidating everything, saving on investment fees, lowering the risk level, and seeing a greater performance, which is possible with the newer portfolio, you could essentially see yourself up over 500,000 in the next five to six years, which puts you in a much greater better position and gives you more funds to be able to retire on down the track there as 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liking those numbers.","start":1320.685,"end":1322.385,"sentiment":"positive","sentiment_score":0.5781366378068924}],"sentiment":"positive","sentiment_score":0.5781366378068924,"channel":1,"num_words":4,"start":1320.685,"end":1322.385},{"sentences":[{"text":"You are?","start":1322.595,"end":1323.335,"sentiment":"neutral","sentiment_score":0.13389835879206657},{"text":"I'm glad.","start":1324.675,"end":1325.575,"sentiment":"positive","sentiment_score":0.7652879655361176},{"text":"If I can get you to scroll down for me just to page number 23, I'll take you through the investment changes as well.","start":1327.89,"end":1334.63,"sentiment":"neutral","sentiment_score":0.2523824702948332}],"sentiment":"neutral","sentiment_score":0.2805554262761559,"channel":0,"num_words":28,"start":1322.595,"end":1334.63},{"sentences":[{"text":"Yeah.","start":1335.2001,"end":1335.7001,"sentiment":"positive","sentiment_score":0.4156315326690674}],"sentiment":"positive","sentiment_score":0.4156315326690674,"channel":1,"num_words":1,"start":1335.2001,"end":1335.7001},{"sentences":[{"text":"Beautiful.","start":1336.4501,"end":1336.9501,"sentiment":"positive","sentiment_score":0.5851083397865295}],"sentiment":"positive","sentiment_score":0.5851083397865295,"channel":0,"num_words":1,"start":1336.4501,"end":1336.9501},{"sentences":[{"text":"Okay.","start":1347.125,"end":1347.625,"sentiment":"neutral","sentiment_score":0.24537642300128937}],"sentiment":"neutral","sentiment_score":0.24537642300128937,"channel":1,"num_words":1,"start":1347.125,"end":1347.625},{"sentences":[{"text":"There we go.","start":1348.575,"end":1349.475,"sentiment":"neutral","sentiment_score":0.22008055945237479},{"text":"This has a lot going on.","start":1349.615,"end":1351.475,"sentiment":"neutral","sentiment_score":0.12761597707867622},{"text":"That's why I sort of like to send the document to you.","start":1352.015,"end":1355.635,"sentiment":"neutral","sentiment_score":0.12722627446055412},{"text":"But you'll essentially see here the first column outlines the two different funds, AWARE and then hub twenty four.","start":1355.89,"end":1361.99,"sentiment":"neutral","sentiment_score":0.09899002117545981},{"text":"It's also got all the different investment options noted there for you.","start":1362.0499,"end":1365.33,"sentiment":"neutral","sentiment_score":0.12058128106097381}],"sentiment":"neutral","sentiment_score":0.12077766556579334,"channel":0,"num_words":52,"start":1348.575,"end":1365.33},{"sentences":[{"text":"It does go over onto the next page there a little bit as well.","start":1365.33,"end":1368.87,"sentiment":"neutral","sentiment_score":0.09565826771514756}],"sentiment":"neutral","sentiment_score":0.09565826771514756,"channel":0,"num_words":14,"start":1365.33,"end":1368.87},{"sentences":[{"text":"Mhmm.","start":1369.28,"end":1369.78,"sentiment":"neutral","sentiment_score":0.03463518247008324}],"sentiment":"neutral","sentiment_score":0.03463518247008324,"channel":1,"num_words":1,"start":1369.28,"end":1369.78},{"sentences":[{"text":"The second column has what's called an API code.","start":1369.475,"end":1372.915,"sentiment":"neutral","sentiment_score":0.041597750037908554},{"text":"This is essentially a ticker code or a registration code, which we use to buy and sell the investments.","start":1372.915,"end":1378.615,"sentiment":"neutral","sentiment_score":0.04620298919709105},{"text":"The next column is your current weighting.","start":1379.555,"end":1381.795,"sentiment":"neutral","sentiment_score":0.042372310268027444},{"text":"So that's how much of your super you have invested in each of these as a dollar figure.","start":1381.795,"end":1391.33,"sentiment":"neutral","sentiment_score":0.06031318215860261},{"text":"The column","start":1392.03,"end":1392.6699,"sentiment":"neutral","sentiment_score":0.01923530362546444}],"sentiment":"neutral","sentiment_score":0.04859910187396136,"channel":0,"num_words":55,"start":1369.475,"end":1392.6699},{"sentences":[{"text":"Okay.","start":1392.46,"end":1392.96,"sentiment":"neutral","sentiment_score":0.04439423978328705}],"sentiment":"neutral","sentiment_score":0.04439423978328705,"channel":1,"num_words":1,"start":1392.46,"end":1392.96},{"sentences":[{"text":"we wanna sort of look at is your buy sell column, which is the next one.","start":1392.6699,"end":1396.35,"sentiment":"neutral","sentiment_score":0.04016137483995408},{"text":"It has the red and green areas there.","start":1396.35,"end":1399.41,"sentiment":"neutral","sentiment_score":0.035272534703835845}],"sentiment":"neutral","sentiment_score":0.038531761461248,"channel":0,"num_words":24,"start":1392.6699,"end":1399.41},{"sentences":[{"text":"Yeah.","start":1399.6649,"end":1400.1649,"sentiment":"neutral","sentiment_score":0.04986113682389259}],"sentiment":"neutral","sentiment_score":0.04986113682389259,"channel":1,"num_words":1,"start":1399.6649,"end":1400.1649},{"sentences":[{"text":"Essentially, anything red is what we're gonna be selling down, and anything green is what we're gonna be buying into for you.","start":1399.855,"end":1406.195,"sentiment":"neutral","sentiment_score":0.05038068426603621}],"sentiment":"neutral","sentiment_score":0.05038068426603621,"channel":0,"num_words":22,"start":1399.855,"end":1406.195},{"sentences":[{"text":"Okay.","start":1407.0249,"end":1407.5249,"sentiment":"neutral","sentiment_score":0.05430629104375839}],"sentiment":"neutral","sentiment_score":0.05430629104375839,"channel":1,"num_words":1,"start":1407.0249,"end":1407.5249},{"sentences":[{"text":"Yep.","start":1408.4149,"end":1408.815,"sentiment":"neutral","sentiment_score":0.04906700551509857},{"text":"So, realistically, when we have a look at this, in order to consolidate, we'll be selling off everything within the Aware Super, and that'll all be transferred into Hub 24.","start":1408.815,"end":1418.36,"sentiment":"neutral","sentiment_score":0.014605042214194933},{"text":"Within the Hub 24, which is the if you go down to that section there, you'll see with the physical gold, we've only got we wanna hold about 10%, so we'll buy some more physical gold.","start":1418.6599,"end":1429.555,"sentiment":"neutral","sentiment_score":0.01640693183677892},{"text":"And in order to alter the portfolio, we'll be selling off the silver.","start":1429.775,"end":1433.3151,"sentiment":"neutral","sentiment_score":-0.01039415248669684},{"text":"Has done really well, but has been very up and down this year as well.","start":1433.4551,"end":1436.995,"sentiment":"neutral","sentiment_score":-0.159301179399093}],"sentiment":"neutral","sentiment_score":-0.015229198476299643,"channel":0,"num_words":95,"start":1408.4149,"end":1436.995},{"sentences":[{"text":"Mhmm.","start":1437.5,"end":1438.0,"sentiment":"neutral","sentiment_score":-0.05924942344427109}],"sentiment":"neutral","sentiment_score":-0.05924942344427109,"channel":1,"num_words":1,"start":1437.5,"end":1438.0},{"sentences":[{"text":"The Bannalong Equities is an investment that's been underperforming very heavily within your portfolio, and we don't wanna hold anything.","start":1437.69,"end":1444.6499,"sentiment":"neutral","sentiment_score":-0.279575389623642},{"text":"It's underperforming.","start":1444.6499,"end":1445.39,"sentiment":"neutral","sentiment_score":-0.2727811634540558},{"text":"So we're also gonna remove the Bannalong Australian Equities.","start":1445.77,"end":1449.23,"sentiment":"neutral","sentiment_score":-0.19548697935210335},{"text":"The Vanguard diversified index is gonna be gone there as well, so fully selling that off.","start":1450.57,"end":1456.825,"sentiment":"neutral","sentiment_score":-0.23135735467076302},{"text":"Then underneath that, you've got the BetaShares cybersecurity.","start":1457.365,"end":1459.945,"sentiment":"neutral","sentiment_score":-0.03677749968483113}],"sentiment":"neutral","sentiment_score":-0.21622528374110433,"channel":0,"num_words":55,"start":1437.69,"end":1459.945},{"sentences":[{"text":"That one there, we still wanna hold some of the investment.","start":1460.725,"end":1463.465,"sentiment":"neutral","sentiment_score":-0.10304274274544283},{"text":"We wanna only wanna hold 4% at the moment.","start":1463.605,"end":1466.245,"sentiment":"neutral","sentiment_score":-0.14051764044496748},{"text":"You're a little bit overexposed.","start":1466.245,"end":1467.465,"sentiment":"negative","sentiment_score":-0.5122096598148346},{"text":"You have too much.","start":1467.765,"end":1468.8,"sentiment":"negative","sentiment_score":-0.5173924416303635},{"text":"So as part of reducing risk level, we're just gonna sell some of that off so you only hold 4% in your portfolio.","start":1469.04,"end":1475.54,"sentiment":"neutral","sentiment_score":-0.20936168001397795}],"sentiment":"neutral","sentiment_score":-0.22777049307926342,"channel":0,"num_words":52,"start":1460.725,"end":1475.54},{"sentences":[{"text":"Yes.","start":1476.175,"end":1476.675,"sentiment":"neutral","sentiment_score":0.15793892741203308}],"sentiment":"neutral","sentiment_score":0.15793892741203308,"channel":1,"num_words":1,"start":1476.175,"end":1476.675},{"sentences":[{"text":"The one underneath that is the Global x battery and lithium tech.","start":1477.04,"end":1481.055,"sentiment":"neutral","sentiment_score":0.14821897198756537},{"text":"That one there is more of a themed exchange traded funds.","start":1481.295,"end":1485.135,"sentiment":"neutral","sentiment_score":0.15462926097891547},{"text":"So that one there in a portfolio is meant to generate good returns, but it's also taking on a bit more risk in the portfolio.","start":1485.135,"end":1492.3551,"sentiment":"neutral","sentiment_score":0.17323009699583053},{"text":"And part of what we're doing is reducing your risk levels.","start":1492.495,"end":1495.135,"sentiment":"neutral","sentiment_score":0.09896557100794533},{"text":"So we'll be selling all of that off.","start":1495.135,"end":1496.85,"sentiment":"neutral","sentiment_score":0.0018498157151043415}],"sentiment":"neutral","sentiment_score":0.133040623377953,"channel":0,"num_words":67,"start":1477.04,"end":1496.85},{"sentences":[{"text":"Yep.","start":1497.47,"end":1497.765,"sentiment":"neutral","sentiment_score":0.1880861520767212}],"sentiment":"neutral","sentiment_score":0.1880861520767212,"channel":1,"num_words":1,"start":1497.47,"end":1497.765},{"sentences":[{"text":"And the same thing with the MorningStar Global Tech, that one's gonna come out completely as well.","start":1497.73,"end":1503.25,"sentiment":"neutral","sentiment_score":0.3101627712740618},{"text":"Again, we're reducing the risk levels.","start":1503.25,"end":1505.01,"sentiment":"neutral","sentiment_score":-0.07790758615980546},{"text":"So looking to try and obtain good returns, but making sure you're taking on too much risk in the market and having too many of those volatile up and down investments that can make you quite nervous.","start":1505.01,"end":1515.205,"sentiment":"neutral","sentiment_score":-0.21981404439823046},{"text":"Okay?","start":1515.505,"end":1516.005,"sentiment":"neutral","sentiment_score":0.007648805156350136}],"sentiment":"neutral","sentiment_score":-0.05442867611275345,"channel":0,"num_words":61,"start":1497.73,"end":1516.005},{"sentences":[{"text":"Yep.","start":1515.84,"end":1516.32,"sentiment":"neutral","sentiment_score":0.0235159695148468},{"text":"Okay.","start":1516.32,"end":1516.82,"sentiment":"neutral","sentiment_score":0.05385763198137283}],"sentiment":"neutral","sentiment_score":0.03868680074810982,"channel":1,"num_words":2,"start":1515.84,"end":1516.82},{"sentences":[{"text":"So then underneath that, you've got the iShares Europe, and this one here is giving you exposure to all the European countries.","start":1517.665,"end":1524.405,"sentiment":"neutral","sentiment_score":0.12389399720863863},{"text":"Part of reducing risk is about diversifying your portfolio, so investing in all the different countries and asset classes, but trying to do it in a way that's low cost and provides good exposure.","start":1525.13,"end":1537.71,"sentiment":"neutral","sentiment_score":0.27566278857343335},{"text":"The iShares Europe has seen really good returns, is a very cheap investment to hold, and so we wanna hold 7% of that investment for you.","start":1538.255,"end":1547.615,"sentiment":"positive","sentiment_score":0.4894353013772231},{"text":"Okay?","start":1547.615,"end":1548.115,"sentiment":"neutral","sentiment_score":0.193840354681015}],"sentiment":"neutral","sentiment_score":0.3014139872358506,"channel":0,"num_words":83,"start":1517.665,"end":1548.115},{"sentences":[{"text":"Sure.","start":1548.0599,"end":1548.5599,"sentiment":"neutral","sentiment_score":0.21366238594055176}],"sentiment":"neutral","sentiment_score":0.21366238594055176,"channel":1,"num_words":1,"start":1548.0599,"end":1548.5599},{"sentences":[{"text":"Underneath that, you've got the s and p 500.","start":1549.4551,"end":1551.8551,"sentiment":"neutral","sentiment_score":0.07845963703261481},{"text":"This is giving you exposure to the top 500 companies on The US market.","start":1551.8551,"end":1556.1599,"sentiment":"neutral","sentiment_score":0.12407559289463929},{"text":"We","start":1556.62,"end":1556.94,"sentiment":"neutral","sentiment_score":0.06796672940254211}],"sentiment":"neutral","sentiment_score":0.1046317401342094,"channel":0,"num_words":24,"start":1549.4551,"end":1556.94},{"sentences":[{"text":"Yeah.","start":1556.745,"end":1557.245,"sentiment":"neutral","sentiment_score":0.07964030653238297}],"sentiment":"neutral","sentiment_score":0.07964030653238297,"channel":1,"num_words":1,"start":1556.745,"end":1557.245},{"sentences":[{"text":"wanna hold about 25%, so we need to buy a little bit more of that investment within your portfolio.","start":1556.94,"end":1562.72,"sentiment":"neutral","sentiment_score":0.053653870758257415},{"text":"Okay?","start":1563.1799,"end":1563.6799,"sentiment":"neutral","sentiment_score":0.049000322818756104}],"sentiment":"neutral","sentiment_score":0.05342119336128235,"channel":0,"num_words":20,"start":1556.94,"end":1563.6799},{"sentences":[{"text":"Okay.","start":1563.465,"end":1563.965,"sentiment":"neutral","sentiment_score":0.0476120263338089}],"sentiment":"neutral","sentiment_score":0.0476120263338089,"channel":1,"num_words":1,"start":1563.465,"end":1563.965},{"sentences":[{"text":"You've also got the iShares Asia exposure.","start":1565.1799,"end":1567.905,"sentiment":"neutral","sentiment_score":0.014671512214200837},{"text":"We're gonna be selling that completely off.","start":1567.905,"end":1570.405,"sentiment":"neutral","sentiment_score":-0.14159365370869637},{"text":"We're still gonna hold Asia exposure, but we're gonna hold it another way for you.","start":1570.545,"end":1575.185,"sentiment":"neutral","sentiment_score":0.023292880582933623},{"text":"Okay?","start":1575.185,"end":1575.685,"sentiment":"neutral","sentiment_score":0.03145526349544525}],"sentiment":"neutral","sentiment_score":-0.0169202172740673,"channel":0,"num_words":30,"start":1565.1799,"end":1575.685},{"sentences":[{"text":"Okay.","start":1576.2101,"end":1576.7101,"sentiment":"neutral","sentiment_score":-0.03812811896204949}],"sentiment":"neutral","sentiment_score":-0.03812811896204949,"channel":1,"num_words":1,"start":1576.2101,"end":1576.7101},{"sentences":[{"text":"Underneath that, and this is on the next page if you scroll down slightly,","start":1577.9851,"end":1581.71,"sentiment":"neutral","sentiment_score":-0.0032190214842557907}],"sentiment":"neutral","sentiment_score":-0.0032190214842557907,"channel":0,"num_words":14,"start":1577.9851,"end":1581.71},{"sentences":[{"text":"Mhmm.","start":1582.4249,"end":1582.9249,"sentiment":"neutral","sentiment_score":-0.006155563518404961}],"sentiment":"neutral","sentiment_score":-0.006155563518404961,"channel":1,"num_words":1,"start":1582.4249,"end":1582.9249},{"sentences":[{"text":"you've got the Vanguard Australian fixed interest.","start":1583.21,"end":1585.6901,"sentiment":"neutral","sentiment_score":-0.01997734034167869},{"text":"This is giving you exposure to fixed interest or defensive assets.","start":1585.6901,"end":1589.23,"sentiment":"neutral","sentiment_score":-0.013152693144299767},{"text":"We are still gonna hold defensive assets, but this one hasn't really been performing very well.","start":1589.53,"end":1593.895,"sentiment":"neutral","sentiment_score":-0.18547701090574265},{"text":"So we're gonna remove that completely from your portfolio.","start":1593.895,"end":1596.555,"sentiment":"neutral","sentiment_score":-0.17264268298943838}],"sentiment":"neutral","sentiment_score":-0.11176598438083432,"channel":0,"num_words":43,"start":1583.21,"end":1596.555},{"sentences":[{"text":"Mhmm.","start":1597.98,"end":1598.48,"sentiment":"neutral","sentiment_score":0.006474826484918594}],"sentiment":"neutral","sentiment_score":0.006474826484918594,"channel":1,"num_words":1,"start":1597.98,"end":1598.48},{"sentences":[{"text":"And then the last sort of areas there are showing you what we're gonna be buying into to complete your portfolio.","start":1598.375,"end":1603.115,"sentiment":"neutral","sentiment_score":0.008938722401147797},{"text":"So we just wanna hold some Japanese exposure.","start":1603.175,"end":1605.595,"sentiment":"neutral","sentiment_score":0.02656968403607607},{"text":"We're gonna hold 3%, so it means buying in December 11,000 of that investment.","start":1605.87,"end":1610.77,"sentiment":"neutral","sentiment_score":0.052695252267377715},{"text":"And then to give you diversification and to give you exposure to the entire globe, we're going to have the Vanguard all world ex US investment.","start":1611.87,"end":1621.33,"sentiment":"neutral","sentiment_score":0.10570071035852799},{"text":"We wanna hold 7% of that investment, and that's giving you exposure to the entire globe as to all the different countries, both established markets, but also up and coming markets.","start":1621.9249,"end":1633.225,"sentiment":"neutral","sentiment_score":0.09458604707352576}],"sentiment":"neutral","sentiment_score":0.06818390103057027,"channel":0,"num_words":100,"start":1598.375,"end":1633.225},{"sentences":[{"text":"The only one that's not included is The US Of A, and that's because we hold the S and P 500 above there for you.","start":1633.605,"end":1641.03,"sentiment":"neutral","sentiment_score":-0.01689111106097698},{"text":"Okay?","start":1641.17,"end":1641.67,"sentiment":"neutral","sentiment_score":0.016220714896917343}],"sentiment":"neutral","sentiment_score":-0.015617579293365661,"channel":0,"num_words":26,"start":1633.605,"end":1641.67},{"sentences":[{"text":"Yep.","start":1641.315,"end":1641.815,"sentiment":"neutral","sentiment_score":0.07448281347751617}],"sentiment":"neutral","sentiment_score":0.07448281347751617,"channel":1,"num_words":1,"start":1641.315,"end":1641.815},{"sentences":[{"text":"Beautiful.","start":1642.53,"end":1643.03,"sentiment":"neutral","sentiment_score":0.2708103656768799},{"text":"And then underneath that, because we have gotten rid of the Benelon Australian Equities, we still wanna hold a bit more Australian investments.","start":1643.57,"end":1651.325,"sentiment":"neutral","sentiment_score":0.024389588314553966},{"text":"So we've got the BetaShares Australia 200.","start":1651.945,"end":1654.925,"sentiment":"neutral","sentiment_score":0.0636720210313797},{"text":"This is giving you exposure to the top 200 companies on the Australian ASX market.","start":1655.465,"end":1661.005,"sentiment":"neutral","sentiment_score":0.09854560941457749},{"text":"It has had much better track record and hasn't underperformed as badly as Bennelong has.","start":1661.545,"end":1667.05,"sentiment":"neutral","sentiment_score":0.10665549623469511}],"sentiment":"neutral","sentiment_score":0.07140150211262898,"channel":0,"num_words":61,"start":1642.53,"end":1667.05},{"sentences":[{"text":"So we're going to remove the Bennelong, get rid of the underperforming investments, put this in its place.","start":1667.05,"end":1672.83,"sentiment":"neutral","sentiment_score":0.03610537863439984},{"text":"It gives you more diversification, and it helps to lower your risk level, but also making sure you hold some Australian investments there as well.","start":1673.29,"end":1681.3151,"sentiment":"neutral","sentiment_score":0.16272295892238617},{"text":"Okay?","start":1681.375,"end":1681.875,"sentiment":"neutral","sentiment_score":0.13313841819763184}],"sentiment":"neutral","sentiment_score":0.11025248196992007,"channel":0,"num_words":44,"start":1667.05,"end":1681.875},{"sentences":[{"text":"Beautiful.","start":1682.655,"end":1682.94,"sentiment":"positive","sentiment_score":0.5467348098754883}],"sentiment":"positive","sentiment_score":0.5467348098754883,"channel":1,"num_words":1,"start":1682.655,"end":1682.94},{"sentences":[{"text":"Excellent.","start":1683.615,"end":1684.0951,"sentiment":"positive","sentiment_score":0.5312842130661011},{"text":"And the last one there is the ICS called composite bonds.","start":1684.0951,"end":1686.9751,"sentiment":"neutral","sentiment_score":0.2169903814792633},{"text":"This is giving you exposure to both government and corporate bonds as well as some other fixed interest and defensive assets across the globe as well and will hold 24% there for you.","start":1686.9751,"end":1700.1799,"sentiment":"neutral","sentiment_score":0.3014579365650813},{"text":"So part of reducing the risk level is increasing your defensive exposure, And defensive investments are low risk.","start":1700.1799,"end":1706.645,"sentiment":"neutral","sentiment_score":0.23909961763355467},{"text":"They tend to get a lower rate of return, but they're also good for income producing.","start":1706.645,"end":1710.425,"sentiment":"positive","sentiment_score":0.4265383165329695}],"sentiment":"neutral","sentiment_score":0.3037303354166731,"channel":0,"num_words":79,"start":1683.615,"end":1710.425},{"sentences":[{"text":"What we wanna see from not only defensive assets, but your entire portfolio is that dividends are paid out to your cash account within the Superfund.","start":1710.885,"end":1718.665,"sentiment":"neutral","sentiment_score":0.22756210084144884},{"text":"That way, the money is received and reinvested back into your portfolio, and that helps with the compounding effect towards your retirement goals there as well.","start":1719.39,"end":1727.73,"sentiment":"positive","sentiment_score":0.380560648555939},{"text":"Okay.","start":1727.9501,"end":1728.4501,"sentiment":"neutral","sentiment_score":0.0938255786895752}],"sentiment":"neutral","sentiment_score":0.30009466156644643,"channel":0,"num_words":53,"start":1710.885,"end":1728.4501},{"sentences":[{"text":"Okay.","start":1728.03,"end":1728.53,"sentiment":"neutral","sentiment_score":0.06447385251522064},{"text":"Mhmm.","start":1729.23,"end":1729.695,"sentiment":"neutral","sentiment_score":0.060851819813251495}],"sentiment":"neutral","sentiment_score":0.06266283616423607,"channel":1,"num_words":2,"start":1728.03,"end":1729.695},{"sentences":[{"text":"Yeah.","start":1729.31,"end":1729.81,"sentiment":"neutral","sentiment_score":0.08678889274597168},{"text":"That that can be a lot.","start":1729.9501,"end":1731.47,"sentiment":"neutral","sentiment_score":0.13827164843678474},{"text":"Do you have any questions about any of those investments, Kate?","start":1731.47,"end":1734.53,"sentiment":"neutral","sentiment_score":0.05334326794201678}],"sentiment":"neutral","sentiment_score":0.08351081837382582,"channel":0,"num_words":18,"start":1729.31,"end":1734.53},{"sentences":[{"text":"No.","start":1735.5349,"end":1735.7749,"sentiment":"neutral","sentiment_score":-0.02274680882692337},{"text":"I don't think so.","start":1735.7749,"end":1737.075,"sentiment":"neutral","sentiment_score":-0.07880639005452394},{"text":"It all sounds pretty well, it seems straightforward to me and 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account.","start":1748.6,"end":1752.54,"sentiment":"neutral","sentiment_score":0.12898463755846024},{"text":"It","start":1753.3201,"end":1753.56,"sentiment":"neutral","sentiment_score":0.06383652240037918}],"sentiment":"neutral","sentiment_score":0.21372674529751143,"channel":0,"num_words":18,"start":1745.105,"end":1753.56},{"sentences":[{"text":"Mhmm.","start":1753.35,"end":1753.85,"sentiment":"neutral","sentiment_score":0.0717109888792038}],"sentiment":"neutral","sentiment_score":0.0717109888792038,"channel":1,"num_words":1,"start":1753.35,"end":1753.85},{"sentences":[{"text":"essentially shows at the moment you've got about 7,000 sitting in cash there.","start":1753.56,"end":1757.8201,"sentiment":"neutral","sentiment_score":0.07738359358448249},{"text":"We only ever wanna hold a minimum amount of cash, so 1.25%.","start":1758.04,"end":1762.4349,"sentiment":"neutral","sentiment_score":0.09379048583408196},{"text":"So we'll take a bit over $2,200, and we'll just reinvest that back into your portfolio for you as well.","start":1762.4349,"end":1769.315,"sentiment":"neutral","sentiment_score":0.2064941179007292},{"text":"Okay.","start":1769.315,"end":1769.815,"sentiment":"neutral","sentiment_score":0.17610326409339905}],"sentiment":"neutral","sentiment_score":0.13994474279815736,"channel":0,"num_words":46,"start":1753.56,"end":1769.815},{"sentences":[{"text":"Okay.","start":1769.995,"end":1770.495,"sentiment":"neutral","sentiment_score":0.2936474680900574}],"sentiment":"neutral","sentiment_score":0.2936474680900574,"channel":1,"num_words":1,"start":1769.995,"end":1770.495},{"sentences":[{"text":"Beautiful.","start":1771.475,"end":1771.975,"sentiment":"positive","sentiment_score":0.6363111734390259},{"text":"Excellent.","start":1775.32,"end":1775.82,"sentiment":"positive","sentiment_score":0.6000096797943115},{"text":"The next page, if you can go down to, is page number 26 there for me.","start":1776.84,"end":1781.5,"sentiment":"neutral","sentiment_score":0.14294471917673945}],"sentiment":"neutral","sentiment_score":0.19574646444784272,"channel":0,"num_words":18,"start":1771.475,"end":1781.5},{"sentences":[{"text":"Mhmm.","start":1782.11,"end":1782.61,"sentiment":"neutral","sentiment_score":0.03700072318315506}],"sentiment":"neutral","sentiment_score":0.03700072318315506,"channel":1,"num_words":1,"start":1782.11,"end":1782.61},{"sentences":[{"text":"Now when we sort of looked at the scoping side of things, remember I sort of talked about how we scoped into a limited scope looking at the retirement aspect.","start":1783.56,"end":1792.275,"sentiment":"neutral","sentiment_score":0.02570653489480416},{"text":"So because you're still about five to six years away from accessing your super and we're still growing your super, we don't sort of do a full recommendation on how much you can draw down and on what basis to cover your retirement.","start":1792.335,"end":1804.35,"sentiment":"neutral","sentiment_score":-0.01595833412436552},{"text":"That is all looked at in a much in-depth area when we get to retirement.","start":1804.57,"end":1809.47,"sentiment":"neutral","sentiment_score":-0.006630191121560832},{"text":"However,","start":1810.4099,"end":1810.8899,"sentiment":"neutral","sentiment_score":0.023763228207826614}],"sentiment":"neutral","sentiment_score":0.00010447236944743419,"channel":0,"num_words":89,"start":1783.56,"end":1810.8899},{"sentences":[{"text":"Sure.","start":1810.68,"end":1811.18,"sentiment":"neutral","sentiment_score":0.10245578736066818}],"sentiment":"neutral","sentiment_score":0.10245578736066818,"channel":1,"num_words":1,"start":1810.68,"end":1811.18},{"sentences":[{"text":"just looking at where you're tracking now gives you a bit of an idea of what you can expect based on our current recommendations.","start":1810.8899,"end":1816.9099,"sentiment":"neutral","sentiment_score":0.14161008999993405},{"text":"And while this can definitely change, it's just sort of showing you what the light at the end of the tunnel could look like based on our current project projected outcome for you.","start":1817.2899,"end":1827.3151,"sentiment":"neutral","sentiment_score":0.11616973827282588},{"text":"Okay?","start":1827.3151,"end":1827.8151,"sentiment":"neutral","sentiment_score":0.07201871275901794}],"sentiment":"neutral","sentiment_score":0.1259355557889774,"channel":0,"num_words":58,"start":1810.8899,"end":1827.8151},{"sentences":[{"text":"Mhmm.","start":1827.9551,"end":1828.4551,"sentiment":"neutral","sentiment_score":0.14126652479171753}],"sentiment":"neutral","sentiment_score":0.14126652479171753,"channel":1,"num_words":1,"start":1827.9551,"end":1828.4551},{"sentences":[{"text":"Beautiful.","start":1828.915,"end":1829.415,"sentiment":"positive","sentiment_score":0.48558297753334045},{"text":"So with this page here, we're essentially looking at, you know, at a comfortable basis.","start":1830.035,"end":1835.16,"sentiment":"neutral","sentiment_score":0.23966244749414425},{"text":"And this is just looking at a retirement income of, say, $52,000 a year, so a thousand dollars per week from the age of 67.","start":1835.16,"end":1843.02,"sentiment":"neutral","sentiment_score":0.07180206179618835},{"text":"And it sort of shows that at the moment, you could be drawing down that income amount from 67 and also encompassing some age age pension because you're showing eligibility for that as well from age 67 onwards, and that you could realistically be drawing that income plus accessing your age pension, up until around about age 90 to 91.","start":1843.16,"end":1861.405,"sentiment":"neutral","sentiment_score":0.12595917011300722},{"text":"Up until around about age 90 to 91.","start":1862.95,"end":1866.07,"sentiment":"neutral","sentiment_score":0.12680377531796694}],"sentiment":"neutral","sentiment_score":0.132546345359398,"channel":0,"num_words":109,"start":1828.915,"end":1866.07},{"sentences":[{"text":"So it is giving you longevity out of your super, and it is providing the income requirement of about $52,000 per year up to about age 92 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super.","start":1882.875,"end":1888.895,"sentiment":"positive","sentiment_score":0.4114539952654588},{"text":"I would love to see this build even more because you might wanna take holidays, overseas trips, and other things, and take money out for Christmas presents and things like that as well.","start":1889.1799,"end":1898.16,"sentiment":"positive","sentiment_score":0.5419223127943097}],"sentiment":"positive","sentiment_score":0.4630602723918855,"channel":0,"num_words":64,"start":1879.755,"end":1898.16},{"sentences":[{"text":"Yes.","start":1898.52,"end":1899.02,"sentiment":"neutral","sentiment_score":0.19090396165847776}],"sentiment":"neutral","sentiment_score":0.19090396165847776,"channel":1,"num_words":1,"start":1898.52,"end":1899.02},{"sentences":[{"text":"So I'd love to build and sort of grow on this and make sure it works a harder for you.","start":1898.7,"end":1903.355,"sentiment":"neutral","sentiment_score":0.15243422314524652},{"text":"However, it does sort of show that based on this, you can draw the income based on an average, you know, $52,000 a year and still have your super last a fairly day fairly","start":1903.495,"end":1914.135,"sentiment":"neutral","sentiment_score":0.20849494110135472}],"sentiment":"neutral","sentiment_score":0.18773171222872204,"channel":0,"num_words":54,"start":1898.7,"end":1914.135},{"sentences":[{"text":"Mhmm.","start":1913.94,"end":1914.44,"sentiment":"neutral","sentiment_score":0.10140856355428696}],"sentiment":"neutral","sentiment_score":0.10140856355428696,"channel":1,"num_words":1,"start":1913.94,"end":1914.44},{"sentences":[{"text":"good time horizon And, also, have eligibility for Centrelink, which is good as well because, you know, being able to draw some Centrelink and some super does also make super last a little bit longer.","start":1914.135,"end":1926.72,"sentiment":"neutral","sentiment_score":0.3247565163033349},{"text":"And, also, the age pension from age 67 onwards gives you access to, you know, the health care 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worked","start":1942.835,"end":1943.635,"sentiment":"neutral","sentiment_score":0.32171060144901276}],"sentiment":"neutral","sentiment_score":0.253050708770752,"channel":0,"num_words":5,"start":1937.635,"end":1943.635},{"sentences":[{"text":"Okay.","start":1943.61,"end":1944.11,"sentiment":"positive","sentiment_score":0.3768778145313263}],"sentiment":"positive","sentiment_score":0.3768778145313263,"channel":1,"num_words":1,"start":1943.61,"end":1944.11},{"sentences":[{"text":"out quite well.","start":1943.635,"end":1944.355,"sentiment":"positive","sentiment_score":0.4574499229590098},{"text":"Do you have any questions about that so far?","start":1944.355,"end":1946.855,"sentiment":"neutral","sentiment_score":0.11154885010586844}],"sentiment":"neutral","sentiment_score":0.19802411831915379,"channel":0,"num_words":12,"start":1943.635,"end":1946.855},{"sentences":[{"text":"I don't think so.","start":1947.2899,"end":1948.59,"sentiment":"neutral","sentiment_score":-0.12065103836357594}],"sentiment":"neutral","sentiment_score":-0.12065103836357594,"channel":1,"num_words":4,"start":1947.2899,"end":1948.59},{"sentences":[{"text":"No.","start":1949.1901,"end":1949.43,"sentiment":"neutral","sentiment_score":-0.19635888934135437},{"text":"That's okay.","start":1949.43,"end":1950.25,"sentiment":"neutral","sentiment_score":0.01404164452105761},{"text":"That's all good.","start":1952.31,"end":1953.4501,"sentiment":"positive","sentiment_score":0.3719217876593272},{"text":"And then the next page onwards is just about recommending that you do speak to a solicitor and have your will and power of attorneys updated.","start":1953.75,"end":1962.015,"sentiment":"neutral","sentiment_score":0.09618437791673037},{"text":"It takes you through the reasoning behind doing so, the advantages, disadvantages, and the risks involved.","start":1962.015,"end":1967.475,"sentiment":"neutral","sentiment_score":0.04050561515032314}],"sentiment":"neutral","sentiment_score":0.08534111314414379,"channel":0,"num_words":48,"start":1949.1901,"end":1967.475},{"sentences":[{"text":"Just making sure that if in the event that anything was to happen to you, that your will, your power of attorney, and any other estate planning documents are up to date to make sure that your your wishes are reflective and that, you know, your your everything you've worked so hard for is directed to where you wanted to go in the event that something was to happen to you.","start":1967.935,"end":1987.63,"sentiment":"neutral","sentiment_score":0.2060510850918125},{"text":"Okay.","start":1987.85,"end":1988.35,"sentiment":"neutral","sentiment_score":0.1902236044406891}],"sentiment":"neutral","sentiment_score":0.20583125897165802,"channel":0,"num_words":72,"start":1967.935,"end":1988.35},{"sentences":[{"text":"Yes.","start":1988.075,"end":1988.575,"sentiment":"positive","sentiment_score":0.3415321707725525},{"text":"Beautiful.","start":1989.595,"end":1990.095,"sentiment":"positive","sentiment_score":0.6808711290359497}],"sentiment":"positive","sentiment_score":0.5112016499042511,"channel":1,"num_words":2,"start":1988.075,"end":1990.095},{"sentences":[{"text":"Beautiful.","start":1990.4099,"end":1990.9099,"sentiment":"positive","sentiment_score":0.753677487373352},{"text":"Nice.","start":1991.85,"end":1992.35,"sentiment":"positive","sentiment_score":0.7579480409622192},{"text":"Excellent.","start":1993.2051,"end":1993.7051,"sentiment":"positive","sentiment_score":0.7085601687431335},{"text":"The only other thing I'd like to sort of take you through, if you can go down a little bit further for me, is just down to, sorry, page number 37.","start":1994.5651,"end":2004.645,"sentiment":"neutral","sentiment_score":0.16576194835285987},{"text":"And this shows you how we would implement the advice to make it a bit easier for you.","start":2004.645,"end":2010.74,"sentiment":"neutral","sentiment_score":0.20604398432705137}],"sentiment":"neutral","sentiment_score":0.21283841949815935,"channel":0,"num_words":52,"start":1990.4099,"end":2010.74},{"sentences":[{"text":"Okay.","start":2015.865,"end":2016.365,"sentiment":"neutral","sentiment_score":0.24651280045509336}],"sentiment":"neutral","sentiment_score":0.24651280045509336,"channel":1,"num_words":1,"start":2015.865,"end":2016.365},{"sentences":[{"text":"Beautiful.","start":2017.28,"end":2017.78,"sentiment":"positive","sentiment_score":0.4745689034461975},{"text":"This is this is essentially a step by step guide as to how we implement the advice.","start":2018.0,"end":2021.92,"sentiment":"positive","sentiment_score":0.33667370852302103},{"text":"So the first one is and you're welcome to take this back, have a bit of a read through the document.","start":2021.92,"end":2026.6349,"sentiment":"neutral","sentiment_score":0.2306556510073798},{"text":"Let me know if you do happen to have any questions.","start":2026.6349,"end":2028.8949,"sentiment":"neutral","sentiment_score":0.19050301746888595},{"text":"But, essentially, if you're happy to take on the advice, we do ask that you sign and return that back there for me.","start":2029.0349,"end":2034.2549,"sentiment":"neutral","sentiment_score":0.21438684735609137}],"sentiment":"neutral","sentiment_score":0.24750988083342984,"channel":0,"num_words":73,"start":2017.28,"end":2034.2549},{"sentences":[{"text":"Once we receive this back, our team will start by just doing an investment switch.","start":2034.57,"end":2038.73,"sentiment":"neutral","sentiment_score":0.11205453723669052},{"text":"So within Hub twenty four, we will make the changes to the investments as of that one above there for you.","start":2038.73,"end":2044.19,"sentiment":"neutral","sentiment_score":0.14198035640375956}],"sentiment":"neutral","sentiment_score":0.12951126508414745,"channel":0,"num_words":36,"start":2034.57,"end":2044.19},{"sentences":[{"text":"Mhmm.","start":2044.625,"end":2045.125,"sentiment":"neutral","sentiment_score":0.03474191576242447}],"sentiment":"neutral","sentiment_score":0.03474191576242447,"channel":1,"num_words":1,"start":2044.625,"end":2045.125},{"sentences":[{"text":"And then we'll also make sure that we give you the contributions form.","start":2044.6499,"end":2048.855,"sentiment":"neutral","sentiment_score":0.055715732563000456},{"text":"And if you can just provide that to the contact you have for the workers' compensation, we will leave the aware open until we see those contributions change.","start":2048.855,"end":2057.7349,"sentiment":"neutral","sentiment_score":0.02433696063235402},{"text":"I wanna take this a little bit slower for you because it is dealing with the workers' compensation team, and they could take a little bit longer to have that switch completed.","start":2057.7349,"end":2065.88,"sentiment":"neutral","sentiment_score":-0.19263560883700848},{"text":"So it is worth just going a bit slower for this one.","start":2065.88,"end":2068.7,"sentiment":"neutral","sentiment_score":-0.20985914394259453}],"sentiment":"neutral","sentiment_score":-0.08561070340082926,"channel":0,"num_words":85,"start":2044.6499,"end":2068.7},{"sentences":[{"text":"Okay.","start":2069.0652,"end":2069.5652,"sentiment":"neutral","sentiment_score":-0.0089042317122221}],"sentiment":"neutral","sentiment_score":-0.0089042317122221,"channel":1,"num_words":1,"start":2069.0652,"end":2069.5652},{"sentences":[{"text":"So then we'll give you that form.","start":2069.88,"end":2071.5598,"sentiment":"neutral","sentiment_score":0.0357848655964647},{"text":"You provide that to them.","start":2071.5598,"end":2073.0999,"sentiment":"neutral","sentiment_score":0.07556129768490791},{"text":"We can also if you wanted to give us the the details of the person, we can cc you into the email, and we can also email them the information as well.","start":2073.16,"end":2081.3848,"sentiment":"neutral","sentiment_score":0.08293061412405223},{"text":"We'll work within what your comfort level is to have that completed.","start":2081.3848,"end":2084.6848,"sentiment":"neutral","sentiment_score":0.1698948616782824},{"text":"But once we essentially see those contributions move to hub twenty four, then we'll do the final 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further until after your holiday to make it easier on you as well if you'd 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looked at it for ages, but I think it it's got about 300,000 in it.","start":2274.6848,"end":2282.04,"sentiment":"neutral","sentiment_score":0.02949674390256405}],"sentiment":"neutral","sentiment_score":0.02949674390256405,"channel":1,"num_words":20,"start":2274.6848,"end":2282.04},{"sentences":[{"text":"Beautiful.","start":2282.645,"end":2283.145,"sentiment":"positive","sentiment_score":0.5649817585945129},{"text":"So 300,000 there.","start":2283.285,"end":2285.045,"sentiment":"positive","sentiment_score":0.34788796305656433},{"text":"That's okay.","start":2285.045,"end":2285.7651,"sentiment":"positive","sentiment_score":0.3528236299753189},{"text":"I'll note that in the back end there for you, and we'll make sure that that is updated for the future.","start":2285.7651,"end":2289.865,"sentiment":"neutral","sentiment_score":0.21065149988446916},{"text":"For the time being, it doesn't have any current reflecting on the advice, which is good, but I will make sure that is updated in the 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They provide detailed guides to retirement documents, including a statement of advice and recommendations for retirement plans, and discuss updating estate planning and tax returns. The speakers emphasize the importance of reducing risk levels and protecting investments for maximum returns, and recommend closing Aware Fund and redirecting workers' compensation employer contributions to achieve a better retirement lifestyle. They also discuss the process of implementing advice and reducing risk levels for maximum returns, including updating retirement goals and reassessing retirement goals for maximum retirement ages. The speakers emphasize the importance of signing and returning a form and refer the caller to a solicitor for further advice."},"intents":{"segments":[{"text":"Do you happen to remember what that is? Is it a person's name? It is. Mark.","start_word":380,"end_word":395,"intents":[{"intent":"Update information","confidence_score":0.006757182}]},{"text":"The next page has the best interest, Judy. If you can just scroll past that one and the table of contents, it'll take you down to page number three, which the heading there says scope of advice and considered. Yeah.","start_word":977,"end_word":1016,"intents":[{"intent":"Guide guidance information","confidence_score":0.0009155821}]},{"text":"So your goal, essentially, with superannuation is to once your workers' compensation payment sees at about age 67 that you'd like to be able to explore drawing an income from super and also looking at eligibility for the age pension to support your income retirement needs there. Now does that still sound appropriate as a goal for your superannuation? Would there be any Yes.","start_word":1030,"end_word":1093,"intents":[{"intent":"Review superannuation goals","confidence_score":0.030739143}]},{"text":"On the next page there, we've also got the estate planning side of things in here. So one of your goals was that you needed to and wanted to update your estate planning arrangements, including having a new will and power of attorney.","start_word":1140,"end_word":1182,"intents":[{"intent":"Update estate planning details","confidence_score":0.2134762}]},{"text":"upgrading what I have rather than starting from scratch is Absolutely. probably Yep.","start_word":1288,"end_word":1300,"intents":[{"intent":"Upgrade solicitor","confidence_score":0.025192216}]},{"text":"So one of the things is the retirement aspect. So because you are closer to age 67, you're in the within the time frame of us to be able to look at to a limited scope the essential what that looks like for you if you were to draw down on your super and also the age pension eligibility.","start_word":1403,"end_word":1461,"intents":[{"intent":"Guide retirement planning","confidence_score":0.004923989}]},{"text":"So reducing your risk level is also appropriate as you get closer to accessing those funds and wanting to draw out on your super as well. Does that make Sure.","start_word":2890,"end_word":2919,"intents":[{"intent":"Assist with risk management","confidence_score":0.000012574943}]},{"text":"If I can get you to go down to page 21 for me, I can show you the recommendations and numbers around that to make it easier as well. Sorry.","start_word":2928,"end_word":2957,"intents":[{"intent":"Show and compare recommendations","confidence_score":0.001736774}]},{"text":"And within the two super funds, you're paying administration fees, investment fees, your ongoing service fee for us looking after everything comes out of hub twenty four, and you've also got your workers' compensation contributions going into the aware things that are currently there. Okay?","start_word":3067,"end_word":3111,"intents":[{"intent":"Discuss and discuss super investments","confidence_score":0.00091625453}]},{"text":"So we're protecting more of your capital in the end of the day and hoping to see less market fluctuations, less ups and downs in the market, which was more your comfort level. Mhmm.","start_word":3228,"end_word":3261,"intents":[{"intent":"Protect capital","confidence_score":0.02331326}]},{"text":"So what you'll see in the recommended is the third column along, but we're looking to consolidate everything in the hub 24. You can see the expected balance once that has been completed. One Yep.","start_word":3263,"end_word":3297,"intents":[{"intent":"Consolidate funds","confidence_score":0.52575105}]},{"text":"So just like you, your super fund every year does a tax return. It pays income tax and capital gains tax on investments as well.","start_word":3368,"end_word":3392,"intents":[{"intent":"Explain benefits of investing","confidence_score":0.0012019238}]},{"text":"So just like you, your super fund every year does a tax return. It pays income tax and capital gains tax on investments as well. By the switch, and I'll take you through what it looks like in a second, But, essentially, in order to make the switch within Hub '24, we estimate based on the research, your super fund would pay capital gains of $1,092. Okay?","start_word":3368,"end_word":3434,"intents":[{"intent":"Understand impact of investments on super fund","confidence_score":0.000492184}]},{"text":"And then you've also got the ongoing service fee consolidating everything, having it in one place, and we charge an ongoing service fee of 1.65%.","start_word":3610,"end_word":3634,"intents":[{"intent":"Inform about service fee consolidating","confidence_score":0.040008333}]},{"text":"And then you've also got the ongoing service fee consolidating everything, having it in one place, and we charge an ongoing service fee of 1.65%. That's for having us look after the super, look after the investments, make sure we're reinvesting funds on a regular basis, and also provide an updated price for you as well.","start_word":3610,"end_word":3665,"intents":[{"intent":"Explain role of maintenance","confidence_score":0.00034832497}]},{"text":"So, essentially, we've looked at putting you into a portfolio with investments within the super fund, which are lowering the risk level for you but have also shown greater past performance, which over time with the consolidation and the reduction in investment fees can also put you in a much better place down the track there as well. Does that make So sense?","start_word":3782,"end_word":3844,"intents":[{"intent":"Predict future investment investments","confidence_score":0.0000025490158}]},{"text":"Underneath that table is your projection table. It sort of shows you the difference between the two.","start_word":3847,"end_word":3863,"intents":[{"intent":"Explain projected table","confidence_score":0.03028326}]},{"text":"Underneath that table is your projection table. It sort of shows you the difference between the two. We're staying where you currently are with the two funds and how it all is structured at the moment.","start_word":3847,"end_word":3882,"intents":[{"intent":"Explain portfolio structure","confidence_score":0.085353404},{"intent":"Explain portfolio structure","confidence_score":0.0858135},{"intent":"Explain current portfolio structure","confidence_score":0.02359162}]},{"text":"However, by consolidating everything, saving on investment fees, lowering the risk level, and seeing a greater performance, which is possible with the newer portfolio, you could essentially see yourself up over 500,000 in the next five to six years, which puts you in a much greater better position and gives you more funds to be able to retire on down the track there as well. Okay.","start_word":3908,"end_word":3973,"intents":[{"intent":"Discuss savings and benefits of investment fees","confidence_score":0.000023731653}]},{"text":"I'm Beautiful. I'm liking those numbers. You are?","start_word":3975,"end_word":3982,"intents":[{"intent":"Show satisfaction with numbers","confidence_score":0.000025938998}]},{"text":"This has a lot going on. That's why I sort of like to send the document to you. But you'll essentially see here the first column outlines the two different funds, AWARE and then hub twenty four. It's also got all the different investment options noted there for you. It does go over onto the next page there a little bit as well. Mhmm.","start_word":4015,"end_word":4078,"intents":[{"intent":"Show document","confidence_score":0.0022735365}]},{"text":"It's also got all the different investment options noted there for you.","start_word":4052,"end_word":4063,"intents":[{"intent":"Discuss investment options","confidence_score":0.04459408}]},{"text":"The second column has what's called an API code. This is essentially a ticker code or a registration code, which we use to buy and sell the investments.","start_word":4079,"end_word":4106,"intents":[{"intent":"Explain api code","confidence_score":0.22790202}]},{"text":"we wanna sort of look at is your buy sell column, which is the next one. It has the red and green areas there. Yeah.","start_word":4135,"end_word":4159,"intents":[{"intent":"Discuss buy sell column","confidence_score":0.11953866}]},{"text":"Mhmm.","start_word":4278,"end_word":4278,"intents":[{"intent":"Discuss portfolio management","confidence_score":0.03680866},{"intent":"Explain portfolio management","confidence_score":0.04791914}]},{"text":"Part of reducing risk is about diversifying your portfolio, so investing in all the different countries and asset classes, but trying to do it in a way that's low cost and provides good exposure. The iShares Europe has seen really good returns, is a very cheap investment to hold, and so we wanna hold 7% of that investment for you. Okay? Sure.","start_word":4540,"end_word":4601,"intents":[{"intent":"Market portfolio diversification","confidence_score":0.00023085646}]},{"text":"you've got the Vanguard Australian fixed interest. This is giving you exposure to fixed interest or defensive assets. We are still gonna hold defensive assets, but this one hasn't really been performing very well. So we're gonna remove that completely from your portfolio. Mhmm.","start_word":4694,"end_word":4737,"intents":[{"intent":"Update portfolio","confidence_score":0.019798333},{"intent":"Ensure portfolio is fully utilized","confidence_score":0.0001423474}]},{"text":"We are still gonna hold defensive assets, but this one hasn't really been performing very well. So we're gonna remove that completely from your portfolio. Mhmm.","start_word":4712,"end_word":4737,"intents":[{"intent":"Hold assets","confidence_score":0.13720201}]},{"text":"So we're going to remove the Bennelong, get rid of the underperforming investments, put this in its place. It gives you more diversification, and it helps to lower your risk level, but also making sure you hold some Australian investments there as well. Okay?","start_word":4926,"end_word":4969,"intents":[{"intent":"Remove benelong and bica","confidence_score":0.000023352792}]},{"text":"And the last one there is the ICS called composite bonds. This is giving you exposure to both government and corporate bonds as well as some other fixed interest and defensive assets across the globe as well and will hold 24% there for you.","start_word":4972,"end_word":5015,"intents":[{"intent":"Promote composite bonds","confidence_score":0.0036966696}]},{"text":"So part of reducing the risk level is increasing your defensive exposure, And defensive investments are low risk.","start_word":5016,"end_word":5033,"intents":[{"intent":"Increase defensive exposure","confidence_score":0.0003143915}]},{"text":"So part of reducing the risk level is increasing your defensive exposure, And defensive investments are low risk. They tend to get a lower rate of return, but they're also good for income producing.","start_word":5016,"end_word":5049,"intents":[{"intent":"Reduce risk level","confidence_score":0.28867796}]},{"text":"What we wanna see from not only defensive assets, but your entire portfolio is that dividends are paid out to your cash account within the Superfund. That way, the money is received and reinvested back into your portfolio, and that helps with the compounding effect towards your retirement goals there as well. Okay.","start_word":5051,"end_word":5103,"intents":[{"intent":"Manage portfolio","confidence_score":0.0005033517}]},{"text":"And then the next page onwards is just about recommending that you do speak to a solicitor and have your will and power of attorneys updated. It takes you through the reasoning behind doing so, the advantages, disadvantages, and the risks involved.","start_word":5734,"end_word":5775,"intents":[{"intent":"Recommend updating will and power of attorneys","confidence_score":0.062250037}]},{"text":"The only other thing I'd like to sort of take you through, if you can go down a little bit further for me, is just down to, sorry, page number 37. And this shows you how we would implement the advice to make it a bit easier for you. Okay. Beautiful.","start_word":5853,"end_word":5903,"intents":[{"intent":"Implement advice","confidence_score":0.5098628}]},{"text":"We can also if you wanted to give us the the details of the person, we can cc you into the email, and we can also email them the information as well.","start_word":6111,"end_word":6142,"intents":[{"intent":"Obtain and email information","confidence_score":0.000618528}]},{"text":"But once we essentially see those contributions move to hub twenty four, then we'll do the final rollover.","start_word":6155,"end_word":6172,"intents":[{"intent":"Complete rollover","confidence_score":0.1502278}]},{"text":"We'll close off the Aware Super and consolidate everything over, and the funds within the Aware Super will then also be invested within the portfolio outlined in here for you.","start_word":6174,"end_word":6203,"intents":[{"intent":"Consolidate funds","confidence_score":0.13765515}]},{"text":"And then the last step is just making sure you do speak to a solicitor.","start_word":6203,"end_word":6217,"intents":[{"intent":"Speak to solicitor","confidence_score":0.15664342}]},{"text":"As you kinda mentioned, I guess, having your daughter help you to make the appointment.","start_word":6218,"end_word":6232,"intents":[{"intent":"Make appointment","confidence_score":0.21065582}]},{"text":"can also essentially hold off a lot of this until you have your holiday just so you can take some time to enjoy yourself. If you do decide to sign and return this back in the next few days, we'll just do the investment switch, and then I can get the team to hold off sending anything to you or doing anything further until after your holiday to make it easier on you as well if you'd like. Okay.","start_word":6288,"end_word":6366,"intents":[{"intent":"Hold off","confidence_score":0.32874018}]},{"text":"If you do decide to sign and return this back in the next few days, we'll just do the investment switch, and then I can get the team to hold off sending anything to you or doing anything further until after your holiday to make it easier on you as well if you'd like. Okay.","start_word":6312,"end_word":6366,"intents":[{"intent":"Return investment","confidence_score":0.0031016124}]},{"text":"Beautiful. Beautiful. Look.","start_word":6369,"end_word":6371,"intents":[{"intent":"Confirm understanding","confidence_score":0.053434666},{"intent":"Confirm understanding","confidence_score":0.063683264}]},{"text":"So with the the buy sell, did you mean the buy sell page at the very top of the red and green that we went through? Yeah.","start_word":6440,"end_word":6466,"intents":[{"intent":"Discuss buy sell page","confidence_score":0.008000195}]},{"text":"We've outlined the strategies there in a few additional pages that I haven't kind of touched on. But Mhmm. as you do read through the strategies, we've outlined the advantages and disadvantages of risks involved and also the best interest duty as well, which relates it back to your goal and notes how and why we've made that recommendation there for you.","start_word":6585,"end_word":6646,"intents":[{"intent":"Recommend strategies","confidence_score":0.053935096}]},{"text":"In the assets and liabilities, it's I haven't given you the share portfolio.","start_word":6687,"end_word":6699,"intents":[{"intent":"Update portfolio","confidence_score":0.0049504135}]},{"text":"At the moment, it wouldn't but when you get to age 67, we'll definitely reassess that, and we can look at how to best structure everything to make sure that we can shelter any additional assets that we need to to maximize a age pension eligibility for you.","start_word":6876,"end_word":6923,"intents":[{"intent":"Improve asset management","confidence_score":0.0000058793976}]},{"text":"So what I would like to do is make sure that in six months, you and I have another catch up if we don't have one beforehand just to see how things are going with the implementation, but also in your life and look at whether any new advice needs to be updated at that time as well.","start_word":7232,"end_word":7289,"intents":[{"intent":"Update advice","confidence_score":0.29039556}]}]},"sentiments":{"segments":[{"text":"Hello. Kate speaking. Hi, Kate. This is Dana from OQ Financial. How are you today?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1574619859457016},{"text":"Good. Thank you. How are you? I'm very well. Thank you. I had you booked in to go through your updated statement of advice.","start_word":15,"end_word":38,"sentiment":"positive","sentiment_score":0.4796219766139984},{"text":"Is now still a good time there for you? Yeah. Yeah.","start_word":39,"end_word":49,"sentiment":"neutral","sentiment_score":0.2613513469696045},{"text":"It is. Fantastic.","start_word":50,"end_word":52,"sentiment":"positive","sentiment_score":0.5017947554588318},{"text":"Do you happen to have access to your email, sir, at the moment as well? I just normally send the document to you so you can review it with me. Oh, just give me a second. That's okay. You're fine. I'll just press send on this one Yeah. through. That's okay. How's your morning been so far? Not too bad. Yeah.","start_word":53,"end_word":113,"sentiment":"neutral","sentiment_score":0.1232193112373352},{"text":"I'm packing for holidays, so that's kind of fun. That is exciting.","start_word":114,"end_word":125,"sentiment":"positive","sentiment_score":0.4505629241466522},{"text":"Where are you heading to? Queensland. I'm coming up near Oh, beautiful. And you. when are you heading up this way? Yeah. On Wednesday Wednesday morning. So Oh, lovely. yeah. This Wednesday is in in two days time, the ninth. Yes. Yes.","start_word":126,"end_word":167,"sentiment":"neutral","sentiment_score":0.08865245431661606},{"text":"Oh, fantastic.","start_word":168,"end_word":169,"sentiment":"positive","sentiment_score":0.4363756775856018},{"text":"Yeah. I'm just I'm literally across the golf course from where you are.","start_word":170,"end_word":182,"sentiment":"neutral","sentiment_score":0.203124076128006},{"text":"Oh, beautiful. Beautiful. So Oh, well, hopefully, we have nice weather up here for you so you can enjoy yourself yeah. and relax.","start_word":183,"end_word":205,"sentiment":"positive","sentiment_score":0.4121297299861908},{"text":"Well, it's cold still down here. So it's anything's better than that, really. Yeah. Yeah. Absolutely. The irony is I'm actually going on holidays next week, and I'm going your way. Oh, okay. I'm sorry about the weather. Oh, no. It's okay. I understand that. My brother-in-law lives down in Melbourne, so we're going down there. And we thought we'd just hire a car into the Great Ocean Road with my son as well. So yeah. Oh, how nice. Great Yes. ocean. Oh, it's beautiful even Yes. in not so great, you know, sunshine, but it's still beautiful down there. Yeah. Yeah. No. Absolutely. All good. Just while that email is coming through to you, Kate, I just need to let you know moving forward before you run through the advice document, we do record our calls for quality and training purposes. Are you happy with me to proceed with that moving forward? Yes, please.","start_word":206,"end_word":360,"sentiment":"neutral","sentiment_score":0.06643735953877049},{"text":"Fantastic.","start_word":361,"end_word":361,"sentiment":"positive","sentiment_score":0.6890066862106323},{"text":"And just do a quick security check there for you as well. I have a password on file. Do you happen to remember what that is? Is it a person's name? It is. Mark.","start_word":362,"end_word":395,"sentiment":"neutral","sentiment_score":0.12022703140974043},{"text":"Beautiful. Thank you.","start_word":396,"end_word":398,"sentiment":"positive","sentiment_score":0.4744279980659485},{"text":"There we go. And has that email come through to you there at all as It of yet? has. Yeah.","start_word":399,"end_word":418,"sentiment":"neutral","sentiment_score":0.056507743895053864},{"text":"Beautiful. Excellent.","start_word":419,"end_word":420,"sentiment":"positive","sentiment_score":0.382390171289444},{"text":"So with this one here, when we sort of last caught up and you had done that withdrawal Mhmm. for that money to pay off the legal bills. Has that all sort of happened? Have you still got a bit of a buzz there, and how did that go getting all those legal bills out of the way? I got it all the bill's all sorted, and Yep. now I've just I've gotta do a few things to renegotiate my loan so I can take some capital off it and go Yes. from there. Yeah.","start_word":421,"end_word":515,"sentiment":"neutral","sentiment_score":-0.001998859224840998},{"text":"Lovely. Excellent. Fantastic.","start_word":516,"end_word":518,"sentiment":"positive","sentiment_score":0.4034870266914368},{"text":"Well, this advice piece is centered essentially around your superannuation side of things. So you have that TBD claim, and you've now got those two super funds there. There's no insurance held in either of them. So we were looking at ways to try and consolidate things for you, reassess Mhmm. the investments, and reduce your risk profile so that you can be working towards over the next couple of years in with one super fund and trying to make the best of your money so that when you retire at age 67, once those workers' compensation payments stop, you can start to draw down some income to support your retirement lifestyle. Does that all sound relatively appropriate so far? Yes. It does. Yep. Excellent. When you see that document now with the email there, the first thing you'll probably see is a bit of a blurb there, and then it's also got a button that says sign. Can you see Yeah. that at all? Yep. Yes. Just click on that button. It'll take you forward so you can see the document. Mhmm. It'll allow you to move through the document. Is that working for you? It is statement of Yep. advice. That's the one prepared for Do yourself. I click to start, Yep. or Just I so did it it? just so it takes you so you can see the statement of advice with your name on it, the date, and it'll let you move it through the pages. I don't want you to sign anything you haven't read. So Yep. Top is me down it letting to the you bottom. is it Oh, letting it's you huge. scroll back up to the top so you It can see is. the front of Yes. the document? Yeah.","start_word":519,"end_word":816,"sentiment":"neutral","sentiment_score":0.06338042870238923},{"text":"Beautiful.","start_word":817,"end_word":817,"sentiment":"positive","sentiment_score":0.4381519258022308},{"text":"Yep.","start_word":818,"end_word":818,"sentiment":"neutral","sentiment_score":0.31939566135406494},{"text":"Beautiful. Excellent. I'm there.","start_word":819,"end_word":822,"sentiment":"positive","sentiment_score":0.5533134341239929},{"text":"I'm at the top.","start_word":823,"end_word":826,"sentiment":"neutral","sentiment_score":0.3145439326763153},{"text":"Beautiful.","start_word":827,"end_word":827,"sentiment":"positive","sentiment_score":0.5502943396568298},{"text":"So that's the front page there for you. I have on the Mhmm. bottom of the front page has my license information there. So I am a licensed Yep. adviser. My registration with Absa is 1304394, which you've got on the bottom there for your reference as well. Okay? Now all of our advice is valid for thirty days. So you do have some time to read it and go back and decide whether you wanna take on the recommendations. So if you do have any questions in the meantime, you're welcome to let me know. With today, I'll run you through the areas and sections that we need to. I'll probably skip a couple of pages here and there just so we're touching on the points that we need to, and then you'll get a chance to go back and reread it over as well. Okay?","start_word":828,"end_word":974,"sentiment":"neutral","sentiment_score":0.1759219765663147},{"text":"Sure. Beautiful. The next page has the best interest, Judy.","start_word":975,"end_word":984,"sentiment":"positive","sentiment_score":0.4144286811351776},{"text":"If you can just scroll past that one and the table of contents, it'll take you down to page number three, which the heading there says scope of advice and considered.","start_word":985,"end_word":1015,"sentiment":"neutral","sentiment_score":0.1886073499917984},{"text":"Yeah. Beautiful.","start_word":1016,"end_word":1017,"sentiment":"positive","sentiment_score":0.4684644937515259},{"text":"This is the area in which we're looking at advice here. So your goal, essentially, with superannuation is to once your workers' compensation payment sees at about age 67 that you'd like to be able to explore drawing an income from super and also looking at eligibility for the age pension to support your income retirement needs there. Now does that still sound appropriate as a goal for your superannuation? Would there be any Yes. changes in that at all? I don't think so. No. That's okay. We'll keep reviewing it. So things may change closer or as you get, you know, closer to that age. That's absolutely fine. We can just reevaluate that down the track. Mhmm. Okay? Mhmm.","start_word":1018,"end_word":1137,"sentiment":"neutral","sentiment_score":0.10902637330194316},{"text":"Excellent. Yep.","start_word":1138,"end_word":1139,"sentiment":"positive","sentiment_score":0.4045133590698242},{"text":"On the next page there, we've also got the estate planning side of things in here. So one of your goals was that you needed to and wanted to update your estate planning arrangements, including having a new will and power of attorney. That was something that was on your list to do last time we sort of caught up. How have you gone with updating those details? Have you spoken to a solicitor and had any that started yet? I made an appointment, then I canceled it. Or oh, no. I'm just yeah. I It's do okay. that. I got well, Yep. at least I made an appointment. I made contact That's with someone. absolutely. Most I definitely. don't know. Excellent. But I just think if I go back to my old solicitor, Yep. it's probably gonna be cheap Yep. rather than you know, I can't Yeah. upgrading what I have rather than starting from scratch is Absolutely. probably Yep. gonna That's be a absolutely better option. fine. So Not a problem. mhmm. And, I mean, they know your circumstances as well. If you've done your will with a certain solicitor previously. Sometimes it is easier to kinda go back and see them. They understand you a little bit better, and Yeah. it is a very it's a very sensitive topic to sort of talk about when you are addressing estate planning. So there's nothing wrong with that. Absolutely. And then the next page outlines a limited scope. So these are areas that we are scoping in in relation to other areas. So one of the things is the retirement aspect. So because you are closer to age 67, you're in the within the time frame of us to be able to look at to a limited scope the essential what that looks like for you if you were to draw down on your super and also the age pension eligibility. This will change and can change as things as you get closer to age 67 because the age pension is assessed twice a year. And so the amount you could be eligible for plus, you know, the requirements around that could change as you get closer. But this is just looking at based on the current recommendations, what you could be able to receive and how this could work for you down the track. Okay?","start_word":1140,"end_word":1536,"sentiment":"neutral","sentiment_score":0.033773037194455},{"text":"Yep. Beautiful.","start_word":1537,"end_word":1538,"sentiment":"positive","sentiment_score":0.5362541079521179},{"text":"And the next couple of pages outline the areas that we're not looking at any additional advice there. So I'll get you to scroll sort of scroll through the areas around cash flow and debt. So you did do that $50,000 withdrawal earlier to cover the lawyer's fees and give you a little bit of a buffer in savings there as well. So we haven't provided advice around that.","start_word":1539,"end_word":1607,"sentiment":"neutral","sentiment_score":0.0988151952624321},{"text":"That all has been completed happily.","start_word":1608,"end_word":1613,"sentiment":"positive","sentiment_score":0.5493383407592773},{"text":"You've Mhmm. also got your home loan, which you are wanting to speak to a mortgage broker and obtain a more competitive rate to sorta help you with paying that one down. This advice document isn't touching on any of those areas at the moment, but we can, down Mhmm. the track, provide you with some additional advice there. Mhmm. Page number eight, the next one is looking at the tax side of things. So you also were looking to get in touch with your tax accountant and look at getting your tax your tax returns up to date so that you could continue with the refinancing and look at getting a better rate. How have you gone doing that? Have you managed to speak to an accountant and get that sorted or in I the process did leave of doing a message, it? but then when No. she didn't get back to me, that was it. No. I'm I'm sorry.","start_word":1614,"end_word":1774,"sentiment":"neutral","sentiment_score":0.07855217158794403},{"text":"I'm very good at putting things in the hard baskets, Yeah.","start_word":1775,"end_word":1785,"sentiment":"positive","sentiment_score":0.561339259147644},{"text":"but I will actually see if my daughter can contact her because that's that was where the contact came from. So I might do it Yes. that way. Yep.","start_word":1786,"end_word":1814,"sentiment":"neutral","sentiment_score":0.12753860652446747},{"text":"Absolutely. Definitely.","start_word":1815,"end_word":1816,"sentiment":"positive","sentiment_score":0.4078320562839508},{"text":"And then we've also got the insurance side of things scoped out as well, and that's on page number eight for you. So you did go through that total permanent disability claim, and we were looking to investigate the the note we had from Aware with regard to an income protection claim. So we did go back. We had a look at that with them to find out what had happened. It looks like, obviously, that was opened as part of the initial claiming process. However, with the TBD payout, the income protection claim was closed off, and the income protection policy was also canceled along with the life policy that's part of the way's rules that once the TBD claim is paid out, that the life policy and the income protection policy no longer exists there. So it does mean that there's no insurance because there's not funds there currently. Okay. Not. Okay. Yep.","start_word":1817,"end_word":1971,"sentiment":"neutral","sentiment_score":-0.06713119894266129},{"text":"Beautiful.","start_word":1972,"end_word":1972,"sentiment":"positive","sentiment_score":0.41722819209098816},{"text":"We did a really good deed in a delve with that one though to find out what had gone on, what had happened, and it was really good to be able to understand their claims process and what they looked at there. But they did confirm that their income protection claim was fully closed off. And then the TPD claim was essentially paid out, and that canceled any additional insurances held within the AOS system. Okay. Mhmm. Okay. Excellent. And then you've also got properties. So in the next sort of three to five years three to four years, sorry, you were also looking at possibly downsizing downsizing your home, hopefully, before the age of 67, which is what you were sort of thinking about doing and prepare for future entire retirement. So we're not providing any advice around this at the moment. However, down the track, when the time comes and you do wish to downsize, we can help help you out with, you know, looking at what to do with any additional funds and seeing where they might be appropriately placed to help with your retirement lifestyle. Okay. Yep. Mhmm.","start_word":1973,"end_word":2164,"sentiment":"neutral","sentiment_score":0.0894828763557598},{"text":"Beautiful.","start_word":2165,"end_word":2165,"sentiment":"positive","sentiment_score":0.6234641075134277},{"text":"And the last one that we had noted here was around page number 10, and that is just around the trust. So that, Yeah. again, is more of an attack a tax accountant sort of area, but you were looking at essentially changing the way the trust was, transfer transferring your existing shareholdings between trustees where appropriate, and or buying and selling underlying shares. So that's all kind of outside of our scope. That's more in relation to a tax accountant to kind of have the the trust altered. And so we've scoped out any advice around that for the time being there as well. Okay.","start_word":2166,"end_word":2271,"sentiment":"neutral","sentiment_score":-0.09078596532344818},{"text":"Perfect.","start_word":2272,"end_word":2272,"sentiment":"positive","sentiment_score":0.5480449795722961},{"text":"Now if I can get you to scroll down for me, just the page number. Sorry. I'm just scrolling through ahead of you. Just the page number 16. I'll start taking you through these recommendations. Getting there. Okay. I'm there. Yeah. You're fine. Not a problem at all. So, essentially, with this one here, I had a look at your super, both the hub 24 and Aware and all the different platforms out there to sort of look at how we could have things structured for you. So Mhmm. because Aware no longer has the insurances within the fund, I am recommending that we do close off the Aware Fund and roll everything into Hub twenty four. Retaining Yep. Hub twenty four means that we can adjust the portfolio. So when I looked at the different platforms and the different funds out there, Hub twenty four has a lot more different investment options. So it means that we're able to retain that fund and complete switches and change the investments within your super fund to suit you, and Hub twenty four's platform allows us to do so by holding. They hold just over 1,100 different investment options, so it does work really well for you. Yes. So what we're recommending is that we do consolidate the funds, move everything into hub twenty four. I'm also recommending that you do redirect your workers' compensation employer and, technically, their employer contributions into hub twenty four as well, and we'll provide you with the form to do so.","start_word":2273,"end_word":2527,"sentiment":"neutral","sentiment_score":0.11458711326122284},{"text":"Essentially, how I'd love to see this happen for you to make it easier on you, and we can sort of do it slowly so that you get to have your holiday first to make it easier.","start_word":2528,"end_word":2564,"sentiment":"positive","sentiment_score":0.7184315919876099},{"text":"Okay. But, essentially, what we'll do is we'll start by completing an investment switch. So we're gonna also change the investments within your superannuation fund. At at the moment, you're in more of a growth environment, and we wanted to we talked about maybe reducing the risk Yes. essentially start by just doing an investment switch, changing the underlying investments within your HUD twenty four super account. We'll keep the aware open for the time being, and we'll give you the contributions form so that you can form so that you can provide that to your workers' compensation contact person, have them change that so that they are paid into hub twenty four. Once we see those contributions changed, then we can close off the Aware Super and roll the funds over. I wanted to kinda do it as slow because you have a lot happening and because it does encompass the workers' compensation side of things. We didn't wanna we didn't wanna close off Aware until we can see those contributions moved.","start_word":2565,"end_word":2737,"sentiment":"neutral","sentiment_score":0.2141064703464508},{"text":"It makes the process a lot more streamlined for yourself doing things at a slower pace, but also making sure that you that those those employer contributions, the workers' compensation super contributions aren't missed in any way. That way, we don't have to it's it just sort of makes it a lot easier for yourself, essentially.","start_word":2738,"end_word":2793,"sentiment":"positive","sentiment_score":0.48197677731513977},{"text":"But we are just gonna start by doing an investment switch retaining Hub twenty four and changing the underlying investments. One of the reasons I kinda wanna do that is because I had noticed that some of the investments have been underperforming a little bit, but also because we're reducing the risk level for you as well. Essentially, you're about sort of five to six years out from accessing those super. Mhmm. And, realistically, if anything happened and you needed funds beforehand, you're able to access it now because you're over the age of 60. So reducing your risk level is also appropriate as you get closer to accessing those funds and wanting to draw out on your super as well. Does that make Sure. sense so far? It sure Yeah. does.","start_word":2794,"end_word":2925,"sentiment":"neutral","sentiment_score":0.15855400557770874},{"text":"Beautiful.","start_word":2926,"end_word":2926,"sentiment":"positive","sentiment_score":0.6179505586624146},{"text":"Mhmm. If I can get you to go down to page 21 for me, I can show you the recommendations and numbers around that to make it easier as well. Sorry. What page did you say? Beautiful. 21. Yep. The Okay. heading on there should be fee comparison. Oh, yeah. Okay. Yep.","start_word":2927,"end_word":2978,"sentiment":"neutral","sentiment_score":0.1564456671476364},{"text":"Beautiful.","start_word":2979,"end_word":2979,"sentiment":"positive","sentiment_score":0.46752235293388367},{"text":"And please, if any of this, you know, is a little bit much or you need me to slow down or you need me to answer any questions, Kate, you're welcome to interrupt me and let me know. Okay? Mhmm.","start_word":2980,"end_word":3019,"sentiment":"neutral","sentiment_score":0.045319173485040665},{"text":"Beautiful.","start_word":3020,"end_word":3020,"sentiment":"positive","sentiment_score":0.3610667884349823},{"text":"So the fee comparison table here breaks down the center of the recommendations. The two first columns are your hub twenty four and the aware. So your current scenario, your current where your super is currently, essentially. You've got your balances between the two accounts there. And within the two super funds, you're paying administration fees, investment fees, your ongoing service fee for us looking after everything comes out of hub twenty four, and you've also got your workers' compensation contributions going into the aware things that are currently there. Okay? Mhmm. Underneath that, you're in the investor profile, which is the second column from the bottom, and that shows that at the moment you're in that growth environment. As a growth investor, you tend to see about 80% of your super in those growth investments. So think about things like Australian shares, international shares, property, and also precious metals like gold and silk silver there as well. That growth environment suit someone who has at least six years before accessing their super. And when we sort of last spoke last time, you're a bit more comfortable with reducing the risk level, starting to step that down a little bit as you get closer to accessing super. So we're protecting more of your capital in the end of the day and hoping to see less market fluctuations, less ups and downs in the market, which was more your comfort level. Mhmm. So what you'll see in the recommended is the third column along, but we're looking to consolidate everything in the hub 24. You can see the expected balance once that has been completed. One Yep. of the other things I like to point out and if you look at the next column, you'll see there's a number there, the 1,092. As I kinda mentioned before, part of what I wanna do with the recommendations is to be able to alter your Whenever we do look at the research and change investments within a super fund, we know there's gonna be capital gains consequences for your super. So just like you, your super fund every year does a tax return. It pays income tax and capital gains tax on investments as well. By the switch, and I'll take you through what it looks like in a second, But, essentially, in order to make the switch within Hub '24, we estimate based on the research, your super fund would pay capital gains of $1,092. Okay? Okay.","start_word":3021,"end_word":3435,"sentiment":"neutral","sentiment_score":0.1280221545193569},{"text":"Beautiful.","start_word":3436,"end_word":3436,"sentiment":"positive","sentiment_score":0.4587807357311249},{"text":"Does that make sense? Do you have any questions so far? No. I think that'll make sense. That's okay.","start_word":3437,"end_word":3455,"sentiment":"neutral","sentiment_score":0.11681511253118516},{"text":"Beautiful.","start_word":3456,"end_word":3456,"sentiment":"positive","sentiment_score":0.4823514223098755},{"text":"You'll also then see with the recommended there, you've got the administration fee. That essentially is just slightly more because we're moving everything into Hub twenty four, but then you've also got the investment fee underneath that. At the moment, within the two funds, you're paying 2,004 for the investment fee from Hub twenty four and $156 from Aware. By consolidating everything in this newer portfolio, the investment fee is expected to be $719.","start_word":3457,"end_word":3530,"sentiment":"neutral","sentiment_score":0.17554014921188354},{"text":"So you're essentially gonna save $1,441 on the investment fee, which is a pretty decent saving. That's next to 14 Mhmm. $141 that should stay in your super fund working for harder for you over the longer term there, which is positive.","start_word":3531,"end_word":3572,"sentiment":"positive","sentiment_score":0.44911953806877136},{"text":"Okay.","start_word":3573,"end_word":3573,"sentiment":"neutral","sentiment_score":0.2966163158416748},{"text":"Yep. The essentially, it's a savings, so you'll you'll save money on investment fees. It's gonna be cheaper in this newer portfolio and to consolidate the funds, which works better for you.","start_word":3574,"end_word":3605,"sentiment":"positive","sentiment_score":0.4762530028820038},{"text":"Okay. Mhmm. Yeah. And then you've also got the ongoing service fee consolidating everything, having it in one place, and we charge an ongoing service fee of 1.65%. That's for having us look after the super, look after the investments, make sure we're reinvesting funds on a regular basis, and also provide an updated price for you as well. So that essentially comes out of the hub twenty four super account, and it is based on the balance in the account there as well. And then we'll get you to also contribute to move your workers' compensation contributions over to hub twenty four as well. So everything's in that one place there for you. Okay? Mhmm. Yep.","start_word":3606,"end_word":3722,"sentiment":"neutral","sentiment_score":0.1464330704930501},{"text":"Beautiful.","start_word":3723,"end_word":3723,"sentiment":"positive","sentiment_score":0.5237312316894531},{"text":"Now underneath that, again, looking at the investor profile, the newer portfolio will be balanced growth. So we are reducing the risk level. It's essentially stepping down about 10% risk level wise. The older portfolio in the growth environment between the two funds was averaged about 5.45%, which wasn't bad. However, the newer portfolio has averaged about 9.35%. So, essentially, we've looked at putting you into a portfolio with investments within the super fund, which are lowering the risk level for you but have also shown greater past performance, which over time with the consolidation and the reduction in investment fees can also put you in a much better place down the track there as well. Does that make So sense? yeah. Yeah. Underneath that table is your projection table. It sort of shows you the difference between the two. We're staying where you currently are with the two funds and how it all is structured at the moment. Over the next five to six years, you could see a bit over 427,000 or 437,000 in super over the next sort of six years.","start_word":3724,"end_word":3907,"sentiment":"neutral","sentiment_score":0.15094901621341705},{"text":"However, by consolidating everything, saving on investment fees, lowering the risk level, and seeing a greater performance, which is possible with the newer portfolio, you could essentially see yourself up over 500,000 in the next five to six years, which puts you in a much greater better position and gives you more funds to be able to retire on down the track there as well.","start_word":3908,"end_word":3972,"sentiment":"positive","sentiment_score":0.33700495958328247},{"text":"Okay. Yeah.","start_word":3973,"end_word":3974,"sentiment":"neutral","sentiment_score":0.19113007187843323},{"text":"I'm Beautiful. I'm liking those numbers.","start_word":3975,"end_word":3980,"sentiment":"positive","sentiment_score":0.5010606646537781},{"text":"You are?","start_word":3981,"end_word":3982,"sentiment":"neutral","sentiment_score":0.17074672877788544},{"text":"I'm glad.","start_word":3983,"end_word":3984,"sentiment":"positive","sentiment_score":0.7720695734024048},{"text":"If I can get you to scroll down for me just to page number 23, I'll take you through the investment changes as well.","start_word":3985,"end_word":4008,"sentiment":"neutral","sentiment_score":0.24976931512355804},{"text":"Yeah. Beautiful.","start_word":4009,"end_word":4010,"sentiment":"positive","sentiment_score":0.5003699064254761},{"text":"Okay. There we go. This has a lot going on. That's why I sort of like to send the document to you. But you'll essentially see here the first column outlines the two different funds, AWARE and then hub twenty four. It's also got all the different investment options noted there for you. It does go over onto the next page there a little bit as well. Mhmm. The second column has what's called an API code. This is essentially a ticker code or a registration code, which we use to buy and sell the investments. The next column is your current weighting. So that's how much of your super you have invested in each of these as a dollar figure. The column Okay. we wanna sort of look at is your buy sell column, which is the next one. It has the red and green areas there. Yeah. Essentially, anything red is what we're gonna be selling down, and anything green is what we're gonna be buying into for you. Okay. Yep. So, realistically, when we have a look at this, in order to consolidate, we'll be selling off everything within the Aware Super, and that'll all be transferred into Hub 24. Within the Hub 24, which is the if you go down to that section there, you'll see with the physical gold, we've only got we wanna hold about 10%, so we'll buy some more physical gold. And in order to alter the portfolio, we'll be selling off the silver. Has done really well, but has been very up and down this year as well. Mhmm. The Bannalong Equities is an investment that's been underperforming very heavily within your portfolio, and we don't wanna hold anything. It's underperforming. So we're also gonna remove the Bannalong Australian Equities. The Vanguard diversified index is gonna be gone there as well, so fully selling that off. Then underneath that, you've got the BetaShares cybersecurity. That one there, we still wanna hold some of the investment. We wanna only wanna hold 4% at the moment.","start_word":4011,"end_word":4353,"sentiment":"neutral","sentiment_score":-0.01295591070677857},{"text":"You're a little bit overexposed. You have too much.","start_word":4354,"end_word":4362,"sentiment":"negative","sentiment_score":-0.5128703117370605},{"text":"So as part of reducing risk level, we're just gonna sell some of that off so you only hold 4% in your portfolio. Yes. The one underneath that is the Global x battery and lithium tech. That one there is more of a themed exchange traded funds. So that one there in a portfolio is meant to generate good returns, but it's also taking on a bit more risk in the portfolio. And part of what we're doing is reducing your risk levels. So we'll be selling all of that off. Yep. And the same thing with the MorningStar Global Tech, that one's gonna come out completely as well. Again, we're reducing the risk levels. So looking to try and obtain good returns, but making sure you're taking on too much risk in the market and having too many of those volatile up and down investments that can make you quite nervous. Okay? Yep. Okay. So then underneath that, you've got the iShares Europe, and this one here is giving you exposure to all the European countries. Part of reducing risk is about diversifying your portfolio, so investing in all the different countries and asset classes, but trying to do it in a way that's low cost and provides good exposure.","start_word":4363,"end_word":4573,"sentiment":"neutral","sentiment_score":0.06905634701251984},{"text":"The iShares Europe has seen really good returns, is a very cheap investment to hold, and so we wanna hold 7% of that investment for you.","start_word":4574,"end_word":4599,"sentiment":"positive","sentiment_score":0.49925416707992554},{"text":"Okay? Sure. Underneath that, you've got the s and p 500. This is giving you exposure to the top 500 companies on The US market. We Yeah. wanna hold about 25%, so we need to buy a little bit more of that investment within your portfolio. Okay? Okay. You've also got the iShares Asia exposure. We're gonna be selling that completely off. We're still gonna hold Asia exposure, but we're gonna hold it another way for you. Okay? Okay. Underneath that, and this is on the next page if you scroll down slightly, Mhmm. you've got the Vanguard Australian fixed interest. This is giving you exposure to fixed interest or defensive assets. We are still gonna hold defensive assets, but this one hasn't really been performing very well. So we're gonna remove that completely from your portfolio. Mhmm. And then the last sort of areas there are showing you what we're gonna be buying into to complete your portfolio. So we just wanna hold some Japanese exposure. We're gonna hold 3%, so it means buying in December 11,000 of that investment. And then to give you diversification and to give you exposure to the entire globe, we're going to have the Vanguard all world ex US investment. We wanna hold 7% of that investment, and that's giving you exposure to the entire globe as to all the different countries, both established markets, but also up and coming markets. The only one that's not included is The US Of A, and that's because we hold the S and P 500 above there for you. Okay? Yep. Beautiful. And then underneath that, because we have gotten rid of the Benelon Australian Equities, we still wanna hold a bit more Australian investments. So we've got the BetaShares Australia 200. This is giving you exposure to the top 200 companies on the Australian ASX market. It has had much better track record and hasn't underperformed as badly as Bennelong has. So we're going to remove the Bennelong, get rid of the underperforming investments, put this in its place. It gives you more diversification, and it helps to lower your risk level, but also making sure you hold some Australian investments there as well. Okay?","start_word":4600,"end_word":4969,"sentiment":"neutral","sentiment_score":0.03538508527987712},{"text":"Beautiful. Excellent.","start_word":4970,"end_word":4971,"sentiment":"positive","sentiment_score":0.5390095114707947},{"text":"And the last one there is the ICS called composite bonds. This is giving you exposure to both government and corporate bonds as well as some other fixed interest and defensive assets across the globe as well and will hold 24% there for you. So part of reducing the risk level is increasing your defensive exposure, And defensive investments are low risk.","start_word":4972,"end_word":5033,"sentiment":"neutral","sentiment_score":0.2658456563949585},{"text":"They tend to get a lower rate of return, but they're also good for income producing.","start_word":5034,"end_word":5049,"sentiment":"positive","sentiment_score":0.4387197196483612},{"text":"What we wanna see from not only defensive assets, but your entire portfolio is that dividends are paid out to your cash account within the Superfund.","start_word":5050,"end_word":5075,"sentiment":"neutral","sentiment_score":0.2296227067708969},{"text":"That way, the money is received and reinvested back into your portfolio, and that helps with the compounding effect towards your retirement goals there as well.","start_word":5076,"end_word":5101,"sentiment":"positive","sentiment_score":0.3668090105056762},{"text":"Okay. Okay. Mhmm. Yeah. That that can be a lot. Do you have any questions about any of those investments, Kate? No. I don't think so. It all sounds pretty well, it seems straightforward to me and sounds Yeah.","start_word":5102,"end_word":5140,"sentiment":"neutral","sentiment_score":0.1024855524301529},{"text":"That's very reasonable. perfect. Perfect. Perfect.","start_word":5141,"end_word":5146,"sentiment":"positive","sentiment_score":0.6513585448265076},{"text":"And then underneath that, you've got another table there which has your cash account. It Mhmm. essentially shows at the moment you've got about 7,000 sitting in cash there. We only ever wanna hold a minimum amount of cash, so 1.25%. So we'll take a bit over $2,200, and we'll just reinvest that back into your portfolio for you as well. Okay. Okay.","start_word":5147,"end_word":5209,"sentiment":"neutral","sentiment_score":0.13707566261291504},{"text":"Beautiful. Excellent.","start_word":5210,"end_word":5211,"sentiment":"positive","sentiment_score":0.6181603670120239},{"text":"The next page, if you can go down to, is page number 26 there for me. Mhmm. Now when we sort of looked at the scoping side of things, remember I sort of talked about how we scoped into a limited scope looking at the retirement aspect. So because you're still about five to six years away from accessing your super and we're still growing your super, we don't sort of do a full recommendation on how much you can draw down and on what basis to cover your retirement. That is all looked at in a much in-depth area when we get to retirement. However, Sure. just looking at where you're tracking now gives you a bit of an idea of what you can expect based on our current recommendations. And while this can definitely change, it's just sort of showing you what the light at the end of the tunnel could look like based on our current project projected outcome for you. Okay? Mhmm.","start_word":5212,"end_word":5377,"sentiment":"neutral","sentiment_score":0.06066096946597099},{"text":"Beautiful.","start_word":5378,"end_word":5378,"sentiment":"positive","sentiment_score":0.48558297753334045},{"text":"So with this page here, we're essentially looking at, you know, at a comfortable basis. And this is just looking at a retirement income of, say, $52,000 a year, so a thousand dollars per week from the age of 67. And it sort of shows that at the moment, you could be drawing down that income amount from 67 and also encompassing some age age pension because you're showing eligibility for that as well from age 67 onwards, and that you could realistically be drawing that income plus accessing your age pension, up until around about age 90 to 91. Up until around about age 90 to 91. So it is giving you longevity out of your super, and it is providing the income requirement of about $52,000 per year up to about age 92 currently. Okay? Okay. Yeah. So it is showing that you can draw the income needed.","start_word":5379,"end_word":5528,"sentiment":"neutral","sentiment_score":0.17531796246767045},{"text":"You'll also get some age pension to supplement, and you should still get some longevity out of your super. I would love to see this build even more because you might wanna take holidays, overseas trips, and other things, and take money out for Christmas presents and things like that as well.","start_word":5529,"end_word":5580,"sentiment":"positive","sentiment_score":0.4892343580722809},{"text":"Yes. So I'd love to build and sort of grow on this and make sure it works a harder for you. However, it does sort of show that based on this, you can draw the income based on an average, you know, $52,000 a year and still have your super last a fairly day fairly Mhmm. good time horizon And, also, have eligibility for Centrelink, which is good as well because, you know, being able to draw some Centrelink and some super does also make super last a little bit longer. And, also, the age pension from age 67 onwards gives you access to, you know, the health care cards and things like that, which also can help reduce your expenditure on a regular Yes. basis. Yeah.","start_word":5581,"end_word":5707,"sentiment":"neutral","sentiment_score":0.23983034491539},{"text":"So that worked Okay. out quite well.","start_word":5708,"end_word":5714,"sentiment":"positive","sentiment_score":0.39101484417915344},{"text":"Do you have any questions about that so far? I don't think so. No. That's okay.","start_word":5715,"end_word":5730,"sentiment":"neutral","sentiment_score":-0.003788019530475139},{"text":"That's all good.","start_word":5731,"end_word":5733,"sentiment":"positive","sentiment_score":0.3619358539581299},{"text":"And then the next page onwards is just about recommending that you do speak to a solicitor and have your will and power of attorneys updated. It takes you through the reasoning behind doing so, the advantages, disadvantages, and the risks involved. Just making sure that if in the event that anything was to happen to you, that your will, your power of attorney, and any other estate planning documents are up to date to make sure that your your wishes are reflective and that, you know, your your everything you've worked so hard for is directed to where you wanted to go in the event that something was to happen to you. Okay.","start_word":5734,"end_word":5847,"sentiment":"neutral","sentiment_score":0.15584205326281095},{"text":"Yes. Beautiful. Beautiful. Nice. Excellent.","start_word":5848,"end_word":5852,"sentiment":"positive","sentiment_score":0.6485177874565125},{"text":"The only other thing I'd like to sort of take you through, if you can go down a little bit further for me, is just down to, sorry, page number 37. And this shows you how we would implement the advice to make it a bit easier for you. Okay.","start_word":5853,"end_word":5902,"sentiment":"neutral","sentiment_score":0.18094418942928311},{"text":"Beautiful. This is this is essentially a step by step guide as to how we implement the advice.","start_word":5903,"end_word":5920,"sentiment":"positive","sentiment_score":0.34814566373825073},{"text":"So the first one is and you're welcome to take this back, have a bit of a read through the document. Let me know if you do happen to have any questions. But, essentially, if you're happy to take on the advice, we do ask that you sign and return that back there for me. Once we receive this back, our team will start by just doing an investment switch. So within Hub twenty four, we will make the changes to the investments as of that one above there for you. Mhmm. And then we'll also make sure that we give you the contributions form. And if you can just provide that to the contact you have for the workers' compensation, we will leave the aware open until we see those contributions change. I wanna take this a little bit slower for you because it is dealing with the workers' compensation team, and they could take a little bit longer to have that switch completed. So it is worth just going a bit slower for this one. Okay. So then we'll give you that form. You provide that to them. We can also if you wanted to give us the the details of the person, we can cc you into the email, and we can also email them the information as well. We'll work within what your comfort level is to have that completed. But once we essentially see those contributions move to hub twenty four, then we'll do the final rollover. We'll close off the Aware Super and consolidate everything over, and the funds within the Aware Super will then also be invested within the portfolio outlined in here for you. And then the last step is just making sure you do speak to a solicitor. As you kinda mentioned, I guess, having your daughter help you to make the appointment. Alternatively, we could also refer you through to someone if you'd like to as well. So that's essentially how we would do this.","start_word":5921,"end_word":6255,"sentiment":"neutral","sentiment_score":0.08011114410500028},{"text":"We'll take it in nice easy steps, let you know what we're doing, when we're doing it, and how it goes just so that everything works in your comfort level.","start_word":6256,"end_word":6285,"sentiment":"positive","sentiment_score":0.37757378816604614},{"text":"We Yep. can also essentially hold off a lot of this until you have your holiday just so you can take some time to enjoy yourself. If you do decide to sign and return this back in the next few days, we'll just do the investment switch, and then I can get the team to hold off sending anything to you or doing anything further until after your holiday to make it easier on you as well if you'd like. Okay. Sure. Okay.","start_word":6286,"end_word":6368,"sentiment":"neutral","sentiment_score":0.13895422220230105},{"text":"Beautiful. Beautiful. Look.","start_word":6369,"end_word":6371,"sentiment":"positive","sentiment_score":0.5434689521789551},{"text":"That is essentially everything. I know it can be a lot. Is there any questions that are coming up that you wanted me to kind of answer or any anything you kind of wanted to have me break down a bit further for you at all? The only thing was Yep. with all those swaps over, that doesn't include the the aware, does it? Yeah. It does. Yeah. So with the the buy sell, did you mean the buy sell page at the very top of the red and green that we went through? Yeah. Yep. Yep. So you'll see at the top there, and that's on page number 23. It has all the red. So the selling of all the investments within the aware, and that money is all put into hub 24 and Sure. reinvested Okay. below. I see Yeah. that That's now. okay. Yeah. Yeah. Okay. That's Alright.","start_word":6372,"end_word":6522,"sentiment":"neutral","sentiment_score":0.047959085553884506},{"text":"Beautiful. excellent. Lovely.","start_word":6523,"end_word":6525,"sentiment":"positive","sentiment_score":0.6481163501739502},{"text":"Well, I'll let you go to have a bit of a read through it. Feel free to take some time. I know it can be a lot when we're going through it together, so you're welcome to take it back when you've got some time. Now make yourself a cup of tea. You're welcome to read through the document. We've outlined the strategies there in a few additional pages that I haven't kind of touched on. But Mhmm. as you do read through the strategies, we've outlined the advantages and disadvantages of risks involved and also the best interest duty as well, which relates it back to your goal and notes how and why we've made that recommendation there for you. So I touch on a lot of that as I'm going through those pages, but it's also noted in there for you so you can take some time to read it over if you like as well. Okay. Sure.","start_word":6526,"end_word":6685,"sentiment":"neutral","sentiment_score":0.1778918355703354},{"text":"Beautiful.","start_word":6686,"end_word":6686,"sentiment":"positive","sentiment_score":0.5172359943389893},{"text":"In the assets and liabilities, it's I haven't given you the share portfolio. Oh, that's okay. I can note that in the back end if you like. That's absolutely fine. What's the share portfolio? That was set up when my husband died, so Oh, I okay. think that's got I haven't looked at it for ages, but I think it it's got about 300,000 in it.","start_word":6687,"end_word":6752,"sentiment":"neutral","sentiment_score":0.06664692610502243},{"text":"Beautiful. So 300,000 there. That's okay.","start_word":6753,"end_word":6758,"sentiment":"positive","sentiment_score":0.38204389810562134},{"text":"I'll note that in the back end there for you, and we'll make sure that that is updated for the future. For the time being, it doesn't have any current reflecting on the advice, which is good, but I will make sure that is updated in the back end for you for future reference. Okay.","start_word":6759,"end_word":6813,"sentiment":"neutral","sentiment_score":0.18096132576465607},{"text":"Beautiful.","start_word":6814,"end_word":6814,"sentiment":"positive","sentiment_score":0.47765105962753296},{"text":"Well, I I probably do need to talk to you about it anyway because it Yeah. may impact if I wanna go for a age pension. I might not be able to get it with that shared portfolio. Well, at the moment, it won't because having a look. Yeah. It's close. But at the moment, it's not doing too bad. At the moment, it wouldn't but when you get to age 67, we'll definitely reassess that, and we can look at how to best structure everything to make sure that we can shelter any additional assets that we need to to maximize a age pension eligibility for you. So I closer closer to we'll make sure we look at that. The good thing I like about the age pension system is that they readjust the rates or reassess the rates twice a year around the March 20 and September, but they also tend to increase or alter the the eligibility criteria, so your threshold for your assets and income as well. So in between now and age 67, they could also increase those thresholds, which means we get we can hold more assets before they start to reduce or alter how much age pension you're eligible for. So I'll make a note of that, and we'll definitely, as we get closer to it, reassess that for you. And when you Yes. get to age 67, we'll look at your drawdown, what you've got in super, how we structure that, how much age pension you're eligible for based on everything, and then how much we draw out of super. And we'll have a much more in-depth detail look at your retirement goals and how that looks for you and how we draw that down. How does that sound?","start_word":6815,"end_word":7111,"sentiment":"neutral","sentiment_score":0.0873413346331529},{"text":"Beautiful.","start_word":7112,"end_word":7112,"sentiment":"positive","sentiment_score":0.5122030973434448},{"text":"Yep. Yep.","start_word":7113,"end_word":7114,"sentiment":"neutral","sentiment_score":0.2947379946708679},{"text":"Sounds great. Fantastic. Excellent. Well, thank you so much for that. Look. I appreciate your time today. Thank you for taking my call. You're welcome. Thank you. Because My this pleasure.","start_word":7115,"end_word":7145,"sentiment":"positive","sentiment_score":0.5538814663887024},{"text":"shit's just overwhelming for me. So It having you worry about it instead of me, it's just so much nice. is. Absolutely. Absolutely. And, please, I know this can be a lot. It can be overwhelming. So if it ever is, just let me know. We can slow it down or try to make it as slow as easy as you for you today. We can always slow it down even further, take it step by step, and we'll definitely come back and review it. So what I would like to do is make sure that in six months, you and I have another catch up if we don't have one beforehand just to see how things are going with the implementation, but also in your life and look at whether any new advice needs to be updated at that time as well. Does that sound okay with you?","start_word":7146,"end_word":7294,"sentiment":"neutral","sentiment_score":0.06341949440288863},{"text":"Beautiful.","start_word":7295,"end_word":7295,"sentiment":"positive","sentiment_score":0.4439866840839386},{"text":"Yep. Yep.","start_word":7296,"end_word":7297,"sentiment":"neutral","sentiment_score":0.23443937301635745},{"text":"That sounds great. Fantastic, And just one Catherine.","start_word":7298,"end_word":7305,"sentiment":"positive","sentiment_score":0.46407705545425415},{"text":"last question. Absolutely. You had a beautiful assistant the last time I spoke to you, Yes. but she didn't book this appointment. Is she still working with you? She is. That was Michelle. Michelle is Yes. still here. Michelle. She is?","start_word":7306,"end_word":7346,"sentiment":"neutral","sentiment_score":0.05351821333169937},{"text":"Yes, she is really very beautiful.","start_word":7347,"end_word":7352,"sentiment":"positive","sentiment_score":0.3962579071521759},{"text":"She is She has just stepped yeah. No. She is still definitely here. She has just stepped aside amazing. to take on another role. I've got Samantha here now assisting me in this role. We we do the admins tend to sort of take move around a little bit, take on different roles and try different things because it is such a very administration is very broad for the area in this role in this Yep. finance industry. Yep. But Michelle is still here.","start_word":7353,"end_word":7436,"sentiment":"neutral","sentiment_score":0.08102722465991974},{"text":"I still love her, still see her every day, and I'll let her know that you passed on that fantastic feedback for her.","start_word":7437,"end_word":7459,"sentiment":"positive","sentiment_score":0.44846081733703613},{"text":"Yeah. She is Yep. beautiful. I was She is. hoping she was still working with you directly, She but I'm still here. yeah. I'm sad she left. Absolutely. I will. But, no, she No. still sits very close to me every day. She's just taking on a little bit of a side step to learn some new areas within our our job and within the financial planning administration areas. So To make yeah. her even more useful and Absolutely.","start_word":7460,"end_word":7538,"sentiment":"neutral","sentiment_score":0.03882169723510742},{"text":"delightful.","start_word":7539,"end_word":7539,"sentiment":"positive","sentiment_score":0.366970956325531},{"text":"Absolutely. Well, Absolutely. please say hello to her for me. She I I will. we had a great old chat, and she's just yeah. I connected very well with her. So Yeah.","start_word":7540,"end_word":7571,"sentiment":"neutral","sentiment_score":0.19098232686519623},{"text":"Oh, that's good. she's an asset.","start_word":7572,"end_word":7577,"sentiment":"positive","sentiment_score":0.3695999681949615},{"text":"Look She after is. her. I will. Absolutely. Absolutely. I mean, I say that as a client. I don't know what she's like up there. No.","start_word":7578,"end_word":7603,"sentiment":"neutral","sentiment_score":0.03086046430353935},{"text":"But She for is me really truly beautiful.","start_word":7604,"end_word":7611,"sentiment":"positive","sentiment_score":0.3624995350837707},{"text":"yeah. Yeah. Yeah. Yep. Testing. Alright.","start_word":7612,"end_word":7617,"sentiment":"neutral","sentiment_score":0.13939934968948364},{"text":"Lovely. Well, thank you so much, and I will That's okay.","start_word":7618,"end_word":7628,"sentiment":"positive","sentiment_score":0.3950250744819641},{"text":"wade through this, and I'm gonna Yes. sign it today. Otherwise, I'll forget, Lovely. and then we're behind the eight ball again because I'm hopeless at coming back to things. So I will I will look after you, and I'll make sure I catch up with you.","start_word":7629,"end_word":7675,"sentiment":"neutral","sentiment_score":0.10088510066270828},{"text":"And I'll keep you on track.","start_word":7676,"end_word":7681,"sentiment":"positive","sentiment_score":0.4453074038028717},{"text":"I promise.","start_word":7682,"end_word":7683,"sentiment":"neutral","sentiment_score":0.24819521605968475},{"text":"wonderful. Okay? Thank you so much. Thank you, Catherine. Alrighty. Enjoy your holiday.","start_word":7684,"end_word":7696,"sentiment":"positive","sentiment_score":0.6412301063537598},{"text":"Oh, I will. And if I'm walking past, I'm gonna drop in. Sorry. Absolutely. Because Absolutely. yeah. I will be away as of next week. They're still coming to the office.","start_word":7697,"end_word":7727,"sentiment":"neutral","sentiment_score":0.004762087017297745},{"text":"The team here are beautiful. They'd love to meet you. Michelle will still be here. All good. And yeah. Beautiful. Okay. Thanks, Well, Kate. Talk to you thank soon.","start_word":7728,"end_word":7756,"sentiment":"positive","sentiment_score":0.5707820653915405},{"text":"you. Alrighty.","start_word":7757,"end_word":7758,"sentiment":"neutral","sentiment_score":0.2739947736263275},{"text":"Thanks.","start_word":7759,"end_word":7759,"sentiment":"positive","sentiment_score":0.5092873573303223},{"text":"Bye. See you later. Bye. Bye.","start_word":7760,"end_word":7765,"sentiment":"neutral","sentiment_score":0.20946522057056427}],"average":{"sentiment":"neutral","sentiment_score":0.12902732787093496}}}}