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Hey. Because they wanted it, like, ASAP, and nothing's come through. Maybe. Yeah. Oh god. I wonder where she sent that to then. Far out. Could you imagine? Beautiful. Just sorry. Christie's just fixing one thing. I'm just getting her to save it real quick because she didn't answer. She's like, oh, can I do one thing? I'm like, absolutely. But she's gonna call back in a minute. I guarantee you. Again alright. Fine. You can see that. Perfect. Okay. Cool. You can transfer her through whenever you're ready. Hi, How are you this morning? No. You're absolutely fine. I'm okay. Thank you so much for asking. I am so sorry we had to reschedule yesterday. I do honestly apologize about that. It's not good. I did I am. Thank you. I did my back in on the weekend, and Monday, Tuesday, I was laid up. I could not move, couldn't do anything. And then I think I'm coming down with a cold as well. And I was like, of course, it's happening that way. Of course, I'm getting sick. Of course. Yeah. That's it. No. I said, Nada, I have to be in the office. I had to get in tomorrow yesterday morning so we could finalize everything for you and make sure you have this today. That way you've got time because it is very time sensitive. So I wanted to make sure you have that that plan ready to go so you can review it prior to taking the recommendations there. I'm just sending a copy through to you. Are you able to jump into your emails? If you're not, that's okay. I can just run you through it, but I just wanted to see if you are able to at all. Oh, that's okay. Oh, that's okay. I'm pressing send on the document now just so you can kind of have a look at it with you. Just often easier if you can see the document. But if you can't, I can I'm happy just to run through and let you review later. It's just generally easier. Absolutely. It's just pressing send now. Hopefully, it comes through fairly quickly. Love technology. It does. It does. How's everything going for you guys at the moment? How are you going up there? Yeah. That's good. Yeah. Oh, wow. Yeah. Wow. Crazy. Yeah. Yeah. Now that should it tells me it tells me it's sent. So, hopefully, it should come through to you in a moment. If technology is working our way, that is. Yeah. You're right. Hi. How are you? Hi, Greg. How are you? I'm very well. Thank you. Yep. Yep. She's my power planner. Yeah. Beautiful. Yeah. So if you press the button there, it'll let you open the document. It will never ask you to sign anything until you've read it through. So when you press that button, it'll take you to the next page. You'll see the the front page there, open financial statement of advice with your name on the front end today's date there for you. Beautiful. On the bottom of that page has been prepared by myself and my beautiful team here at Okey Financial, and it's got my authorized representative number of 1304394 there for you. If you scroll forward, pages number three, four, five, and six basically outline the areas that we are scoping in and scoping out the advice for you today. So we're looking at areas of superannuation, retirement planning for the time being, and also estate planning. So looking at how your super is working effectively for you so you can continue to make those deductible contributions on a monthly basis of $2,000 per month, Looking at how you can draw down some income there for you, how to structure that, the investments within inside those accounts. And, also, because we're opening up a pension account, also considering the beneficiary side of things. That way, if in the event something was to happen to you, that your super and your pension payments are directed to where you want them to go. Okay? There are yeah. Sure. Absolutely. Yeah. That's just what you told me you wanted to make yeah. Put into the super, but you're not limited to that. If you wanted to put more in, as long as you're staying under the contribution cap, that's fine. The contributions cap as of the July 1 yeah. The contribution cap as of the July 1 will be 23 sorry. 32,500. I apologize for that. She is. 32,500. So it's gonna go up by $2,500 for the next financial year, which is good. And, yeah, you're able to put in more if you want. If you just wanna put in the 2,000 to begin with to be able to cost averaging each month, that's fine. And then end of financial year, we could always look at what, you know, you wanted to put in as an additional lump sum, the payment notice intent. There's plenty of options that we can do, but this is absolutely fluid. It's one thing I do like about advice that it is fluid. It can change. You know, in six months' time, if you ring me and go, hey, Dana. I wanna change the strategy. We'll go back to the drawing board and update things that can all be changed and altered as your life and as your circumstances change. Okay? Beautiful. We've scoped out certain areas of advice, so areas that we're not really providing advice on today, but we can look at additional advice in the future there for you. To make this a bit easier, if I just get you to scroll down for me to page number 13, I'll start taking you through the recommendations. You're welcome to ask any questions you have as we're running through them, and I'll just kind of explain what I'm recommending, how that works, and the advantages disadvantages. Oh, are you that's okay. Did you want me just to run through the the recommendations for you? You're welcome to take it back and read it later. It's fine. Yeah. Oh, okay. Perfect. Yeah. No. That's absolutely fine. Happy to stay on the line. It's not a problem at all. Yeah. You're right. It's not an issue. It's all good. Sometimes it is easier, isn't it, having the computer in front of you, having the biggest brain. Yeah. Yeah. Yeah. And how's how how long was it in Bundaberg at the moment? Oh, nice. Yeah. Wow. Yeah. Oh, good. That's good. Definitely warm up there than it is down here. That's for sure. Oh, it's all it ever does down here. It's rain. We don't need any more rain. Yeah. Yeah. You're right. And and are you finding that you've got time to do day trips out and explore a little bit while you're up there? Oh, wow. Crazy busy. Yeah. Yeah. Wow. Yeah. You did a whole anyway. Yeah. Oh, that's good. No. No. Well, last time I was up there, I didn't get to go because I had a young child, but we wanna do that again and do the distillery run. Definitely worth a trip. Yep. Fantastic. Oh, wow. Oh, fantastic. Yeah. Fantastic. I'll put that on the back at least. That's for sure. Beautiful. You're honestly fine. Take your time. Do not worry in any way, shall perform. I've blocked plenty of time out to make sure you've got time to go through it with me, so it's all good. Yep. You're right. Is it coming through for you? Yeah. You're right. Honestly, it's fine. It is on page number 13 is where the recommendations are starting for you. Is it saying anything particular as to why it's not opening? Or yeah. The circle of death, essentially, that thinking wheel. That's okay. Oh, beautiful. Yep. Mine go down to the next page. Yours might have added one extra page on there. So it might be paid 13 14 for yourself. So we've got strategy recommendations here ending 2526. Yep. Beautiful. So with this one here, start the recommendations. We'll start by retaining your hub twenty four super account. I did have a look at all the other options for super out there. Just make sure hub twenty four is still preferable. Hub twenty four is still the best option. And if we look to move into any other super fund out there, we would have to complete a full sell down, which means it's the highest EGT cost for your super fund. So retaining hub twenty four does work out to be more cost effective for you. So we're gonna retain the super fund of the accumulation account as it is within hub twenty four, and we're gonna open up a separate account based pension account. So, basically, what happens is we move some money. In this case, it'll be 250,000 from your accumulation account into an account based pension. Essentially, how that works is the Superfund will just do a a transfer of it's called an in specie transfers. They will take 250,000 from the assets in your super and just transfer them into a pension account. It is a fairly quick process. It can take up to a week to do. So we kind of wanna have this done before the end of the financial year so you can draw down that first 12,500 pension payment. But, essentially, it's just about retaining hub 24, moving $2.50 into the account based pension account. That's in pension phase, and you have the benefit there of having most of your money in pension phase. And because you're not working anymore, Being in pension phase is eligible for you, and pension phase is tax free. So the small amount that we expect to stay in the accumulation account, which will be 16,110. Anything in accumulation phase is still being charged at CGT and income tax at 15%. CGT can go as low as 10% depending on the assets held, but everything in the pension phase is tax free. It's a tax free environment. There's no income tax, no CGT tax, and the income payments you draw down are all tax free as well. So it's a great place to be. It's definitely more tax advantage than any other strategy out there. And it just means that you'll then have the two accounts. You're accumulating your pension, $2.50 sitting in a pension account, and the rest of the funds in the accumulation account there. Once we have that pension account open, we'll draw down that first payment, which is 12,500 and essentially 5% of the balance being transferred, and we'll make sure that payment's drawn down before the end of this financial year. That way, you've got that as a bit of a buffer there. Okay? On the bottom of that page, it also says lodge a notice intent. My power plan has noted you paid that 5,000 in there. We've reclaimed the notice of intent for that, so it doesn't need to happen. But my power noticed it, and she wanted to make sure that that was accounted for. So it's all good. It's just making sure that everything is done. Yeah. So that's already been done, which is fantastic. Essentially, this allows you to be able to draw income that keeps them keeps the funds most of the funds in a tax free environment, which is really important for you and allows you to draw down that buffer on that 12,500 that you wanted to take for your travels as a bit of a buffer for the income stream side of things. Okay? I know it's the best interest, Judy, is essentially my justification of the strategy and relating that back to your goal and how that works in your best interest for you. So I'll let you have a really good read through all those sections shortly. Essentially, underneath that, you'll also see a little table, and it basically shows you what we'll see. So we'll have the two accounts there in accumulation based on current balance. There'll be the 16,110 less in the accumulation phase, 250,000 moved into pension phase, and you withdraw 12,500, leaving a pension balance sitting in there of 237,500 for you. Okay? The next slide outlines all the advantages, disadvantages, and the risks involved. Admittedly, opening up the pension account and giving you the advantage of having most of your money in that tax free environment. So it does mean, as I said, there's no income tax, no CCAT tax in that sort of area. And any withdrawals, you do make it completely tax free for you as well. So it's a very advantaged environment. The drawdown? Yeah. We will. Yep. So what'll happen is is that's okay. What'll happen is once we open the pension account, my team will confirm with you what day you want the December, we probably just have drawn out as a one off transaction, so we initiate that for you. We'll have that done as soon as the account's open. But once we open your pension account, we'll also nominate what day you wanna start receiving that $3,000 on a monthly basis being drawn out as your regular pension account pen so a pension payment, and that'll come down automatically every month for you as well. Okay? When you do get some time, have a read through the advantages, disadvantages, the risks involved. It's important to sort of note there are by saying keeping some money in that accumulation account, it does see income tax, the CGT, and income tax consequences, but they are more a tax advantage than, you know, in our own personal name. So income tax within the super system is at 15% and CUT 15% or 10% if the assets have been held for more than twelve months. So it is a more tax advantaged environment still. It does mean you'll have the two accounts open. So you'll see when you log in to HUB 24, you'll have your accumulation, your super, and you'll also have the account based pension account. It does mean, overall, you'll have two accounts. So there are higher administration fees for having two accounts. But I've also restructured the investments, and I'll show you those shortly to make sure your investments are taking on lower risk, but also providing good returns and also factoring in the fees for the investments as well. Okay? The next page outlines any risks of associated with the recommendations made and any alternatives that I've considered as well. So I note down alternative strategies that I may have looked at, considered as part of the advice. I did look at moving to other platforms that, you know, decided not to go that way because it would require more tax consequences to the sell down and the transfer, which can also take longer to do. I wanted to make the strategy as easy as possible for you, and Hub 24 is a great platform. There's nothing wrong with it. There's been no major changes that require it to to be, you know, to have you moved out of that platform. I also considered looking at a TTR strategy. However, TTR pensions have the same tax consequences as super. And because you're no longer working, you can take advantage of a full account based pension, so this works out to be more advantage for you. Okay? Excellent. If you scroll down to page number 21 for me, this is the second half of the recommendations. Now I've basically put them into two financial years because when we because we are so close to the end of the financial year, once we open the pension account, draw down the 12,500, that'll affect effectively take us to the end of this financial year. It will probably hit a 21. Yours might be 22. It has strategy recommendations for the next financial year. Oh, is might have yes. Sorry. The heading that should say strategy recommendations financial year 2627. That's okay. You're fine. If you just go backwards a little bit what does it say on the page? Yep. Yours is the page numbers have changed a little bit from what I'm looking at. So sorry. It might have been when it uploaded, it sort of redenumber the page numbers. I do apologize about that. Love technology when it wants to do things like that for us. The beautiful. Yep. That's the one. I can see that on mine too. Fantastic. So this one here should say strategy recommendations year financial year 2627. Is that right? Yep. Beautiful. So as I was kinda said, this is gonna be the first part of strategy will essentially bring us up to the end of this financial year because we are so close to the end there. So this will also commence as of the July 1. And once we open up the pension account, we can then allocate your pension payments to be drawn down on a regular basis. So you wanted to sort of see monthly withdrawals of about $3,000 per month to cover regular expenses, which essentially gives you $36,000 for the year. If you decide to change that, wanna increase or decrease or alter them, just let me know. They can be changed. It's not a problem at all. When we do the pension Alec pension application, we do nominate a date that you wanna see those pension payments starting. As of the July 1, is there a certain day or date or time of the month that you would like to receive those pension payments, John, to hit your bank account? Yeah. Absolutely. I'll just make a note of that for you for the first Monday of the month, and we'll make sure that those that is drawn down each month at the same time for you. Okay? Fantastic. So I'll make sure that that is in the application for you. My team will then send that through. That'll all be signed and submitted with the original pension payment. We'll just make sure they start the first Monday of July for you to make it easier. And on the July 1, you'd be able to start making those additional contributions. You can do them earlier if you wanted to. I've just allocated the July 1 because you've done your 5,000 for this year. Starting the regular contribution as of next financial year means that you've steadily started that along. And then at the end of the financial year, we'll look at how many contributions you've made, whether you wanna make any additional contributions, and claim the notice of intent for that as well. Okay? And then we're all you're right. Sorry. Sure. Yeah. The contribution? Yeah. It's technically called a deductible contribution, and it goes in as a nonconcessional contribution. So the way I like to sort of note it is concessional means that tax is taken out. So when a concessional contribution hits your super fund, they take 15% tax out of that straight away. With a non concessional contribution, the money goes in. It is a 100% invested deductible contribution, it goes in non concessional, and then we change that to concessional by adding that notice of intent. And that's telling the funds that we have the intention. Yeah. Yeah. And that's telling the Superfund you have the intention to claim that money as a tax deduction, and that's why they take the tax out the fifteenth percent. So we because you don't have any you don't have any insurance payments or anything coming out of the account on a regular basis, we can essentially have that contribution going in on a yearly on a monthly basis or however often you wanna make it. And at the end of the financial year, we can then look at how much you've made as a total and then claim the whole amount under that notice of intent. Does that make sense? Yep. Beautiful. Ask any question you like. There's no such thing as a silly question. I love them. They essentially, we just started to get out of the as of the July 1. We'll make sure your pension payments are being drawn down $3,000 per month into your nominated bank account, and my team will give you a call and get those bank account details off you. We also will then or, you know, get you to start direct setting the $2,000 per month into the accumulation account, so into your super account, sorry, With the intention to claim the notice we take at the end of the financial year. As we said before, we've got $2,000 a month because that's how much you said you were comfortable with. If you decide you wanna put more in, that's absolutely fine as long as we don't go over the cap. We can also just be doing $2,000 on a regular monthly basis. Then at the end of the financial year, look at what you have available, cap space, and make a lump sum again at the end of the year if you want to as well. So there's a few options that we do have there. Okay? And then the last part of that strategy is that we're gonna also do an investment switch. So at the moment, you're in that growth environment. We talked about going into pension phase and starting to draw income down. And with the volatility that we have been seeing in the market, it is always a good idea to start reducing your risk level in the market. So we talked and agreed on reducing you from the growth environment to a balanced growth kind of split, which is generally about 70% invested in growth assets, so international and Australian shares, listed property and commodities like gold and silver, and then also seeing 20% in defensive lower risk sorry, 30% oh, my apologies, in lower risk investments like cash, bonds, and fixed interest. This invest this sort of area is tracking to try and receive a regular compound of return of six to 8% on a yearly basis, and normally can see the likelihood of a negative return, say, one in every six years there. I went back and had a really good look at your portfolio, how it has been working, and also made a recommendation to alter the portfolio, a, to reduce your risk level, but, b, to also consider defensive assets and how economists believe Australia is gonna go with the high inflation over the next few months as well. So I've factored a lot of that into the recommendations with the investments, and I'll take you through those very shortly as well. Okay? Underneath that, you'll see I've got the best interest duty there again. So just relating all of those recommendations back to your goals and how they do work in your best interest, making sure you've got regular income. You will be traveling after you leave, and you're always gonna have access to, you know, being able to give me a call and request drawdown. So this kinda gives you a regular monthly amount that you can expect in your bank account to kinda cover, you know, regular expenditures while you are traveling and living your best life, and I am so jealous that you get to do that. Think that is fantastic. I love what you guys are doing. I think it is beautiful. And then, yeah, making the regular absolutely. And then the regular $2,000, you can put that into the account with a couple of ways. So you can do it as a b pay transfer or an ETF transfer on a reg like, set up regularly to come out automatically on your bank account, or you can opt to do it as regularly as you would like. Or if you wanna hold off and do it at the end of the year, you absolutely can. Realistically, setting it up as a regular deposit once a month works out better for you because you are dollar cost averaging. So putting regular amounts into the super fund over a period of time, which helps to even out the investment returns. It can provide greater growth, and you take advantage of the market ups and downs as well. Okay? Perfect. So that's essentially majority of the recommendations there. I've also got a bit of a breakdown on the next page that outlines what you'll essentially see within the two accounts there. So the accumulation showing the starting balance, the regular deposits in, and then claiming on notice to intend at the end of the year, And then the HUD twenty four pension account showing the balance after the 12,500 has been withdrawn and then the regular withdrawal of 3,000 per month or 36,000 per year to cover your living expenses. Okay? No. That's okay. What page are you on? What's the heading on that one? No. That's fine. That's actually very good. I'll run down to where you are. So this is actually showing you so we've gone forward and projected essentially where you should be at the age of 61 with the current projected balance based on the growth and the fees within the account there. And then this shows you that by drawing down 36,000 per year for your income, with the expected growth and annual contribution going in, so this is both accounts mixed together, essentially. This shows you how long your super would be expected to last for. Yes. Yeah. Keep Correct. And, look, there's other there's other things that can definitely come into play with this. This is just based on the current recommendations with no additional changes there. However, alternatives I've considered, I've scoped out links for now because you're not quite eligible. But as you get close to age 67, we can reassess eligibility for getting age pension to supplement this. You might then sell a property, you know, sell the assets within a trust and put more money in the super or we shelter money in other ways. So there's lots of other things that we can do, and the advice is definitely gonna evolve. This advice piece will change definitely before the age of at least 67, if not 84. So I definitely would expect things to last a little bit longer as we update and make the advice evolve for you as well. Okay? Yeah. Yeah. Yeah. Yeah. No. That's okay. Beautiful. Now if you scroll down to the next page for me, can you tell me what the heading is that you're looking at on that page there? Yep. Yep. Beautiful. Yeah. So this is when we open the pension account, you've got your beneficiary nomination already on the super, noting that in the event that something was to happen that the funds are to be paid to Greg. You wanted that to be the same thing on your pension account, but I've recommended so you'll probably remember on your sleep, you've got a binding on lapsing nomination. So it binds the trustee. With pension accounts, I'm recommending what's called a reversionary beneficiary. This essentially means that in the event of you passing, your pension payments will continue to then be distributed to grace with no stopping point. So with a normal beneficiary nomination, like a binding on that thing, in the event that you were to pass away, if that was on the same on the pension account, the pension payments would stop. As soon as we notified them that you have passed away, the pension payments would stop, and then we'd have to go through the claims process to have that all moved into Greg's name. With a reversionary beneficiary, and you can only apply these to pension accounts, essentially, if you're receiving that $36,000 on a yearly basis and it's going to you, if you would then pass away, those regular pension payments of $3,000 per month do not stop. They continue to keep being paid, and they just get paid to Greg automatically. The benefit of this sort of benefit beneficiary is that because the pension payments don't stop and your living expenses continue even once you pass away, plus sometimes there's more expenses around getting everything ready for a funeral, the cost of a funeral, also, you know, people coming into town or having to, you know, stop and buy extra food and things like that. There can be a lot of extra expenditure around that sort of thing. So having a reversionary benefit beneficiary absolutely. Yeah. Absolutely. And a lot of that would just continue the same way. So this just keeps his pension payments going and doesn't stop to make it easier on him. Does that make sense? Yes. No. Well, the money runs out, the the pension payment stops. But it's more just you know, if it's yeah. Yeah. It's more just that if you would have passed away and you had, say, a 150,000 or 200,000 still in your pension account and that $3,000 is still being paid out, it would continue to be paid out. Any beneficiary, no matter what it is, once the pension once the pension has no money and once the super is completely run dry, there's no money left. Everything will completely stop. So this is, yeah, this is just making sure that in the interim, he can keep receiving the money that he is receiving whilst you have money in the account, essentially. Does that make sense? Yeah. Beautiful. This is a great way to have a beneficiary intention. It just makes life a little easier for your partner at the time of passing. Keeping in mind that this is all just put in place in the event of I actually don't want anything to happen to you. I want you to out survive and laugh and enjoy all of your money. It's just one of those things that we do make sure we have in the plan and accounting for. And a reversionary is something that I do find a lot of people don't think of on a regular basis, and I do like a reversionary beneficiary. It benefits your spouse, makes life easier. And, yeah, it just continues those pension payments so they can continue living in the event that you would have passed away. Okay? Beautiful. Now if I can just get you to scroll back up for me, just back up past the income drawdown section, you will see three tables with investment recommendations. Just let me know when you see those tables. Beautiful. Yep. That's the one. Perfect. So this one here essentially outlines yeah. The yep. So the fee the fee protect projection table is the first one. That's essentially outlining your current Zebra account with your current fees. It's attached to your current risk profile and the investments there and noting that, you know, this is essentially what you're paying. So at the moment, the admin fees are about 1,166. You've got investment fees coming out of the account, your current super balance at the top, and the ongoing service fee there as well, and you're in a growth portfolio. And whilst your return can slightly differ, essentially, when we look at your the portfolio and that you're in and utilize a five year rolling average, it's averaged about 9.62% over the last five years. So it has not been bad in any way, shape, or form. The recommended is essentially showing you the outcome with the recommendations in place. So distributing your funds between the two accounts, the accumulation and the pension phase, how the administration fees will look. So you'll have a smaller admin fee within super, but a bit bigger in the pension phase then. So it does mean that overall admin fee for hire. Absolutely. Yeah. That is just looking at the portfolio, so that doesn't take into account the administration fees. That is just inputting all the investments into so we use, like, adviser portals, like Morningstar and Lonestek to tell us how these portfolios have returned averagely over the past five years. And that's just showing you the current investment structure should have returned this. Admittedly, it could be different to what your portfolio has received because you've also got money coming and going at different times, so fees coming in and going out. You've also got, you know, your contributions going in, coming out at different times as well. So it does affect the return, but this is just showing you based on research, this is what the average has been for that portfolio over the past five years. And that's kind of what we utilize for how we expect our portfolios to work in the future. So we're utilizing investment data from the past to show what portfolios are suited and what should be working for you in the future, knowing that it can change, and there's other factors that can change and and affect that as well. That's why we review the portfolios with you on a regular basis. Does that make sense? Yep. Beautiful. Excellent. So at the top there, you'll see the two accounts. So the differences column has the first drawdown of 12,500. That will come out before the end of the financial year, and then you've got your two balances there. So expected after the drawdown should be 237,500 and an accumulation 16,110. The two administration fees that will be expected to come out of the account on a yearly basis, So it does increase as a whole by that $399. That's because we're opening the two accounts up. In the back end with Hub twenty four, we could also aggregate the fees. So we will link the accounts in the back end so that they can try to reduce the fees as much as possible. So we're essentially linking everything in the back end, and Hub twenty four can reduce the fees below that. That's based on research and what we expect at the moment. Okay? With the investment fees, currently, you're paying 1,247 on a yearly basis. With the new recommended in the portfolio change, we actually see your investment fees decrease. So with the recommended change in investment portfolio, we can see and expect your investment fees to save you $769 for the first year. Okay? And then the adviser fee, which is a 1.65%, we just have that prorated across both the accounts there for you as well. Okay? Excellent. Contributions going in, that's the deductible contribution that has been recommended. And then we've also got the monthly withdrawal at $3,000 on a monthly basis being drawn out of the account. Okay? Perfect. With the underneath there, you'll see there absolutely is. Admin fees are always percentage based, so they are generally quite high. It's for the administration and for the the platform itself charges. We try to limit and reduce them as much as possible, but there's no way to get around them. There's always gonna be admin fees and and things like that that are applied to every platform. So yeah. Yep. It is. Yeah. Yeah. Well, when you look at the percentage cost there, as much as it is overall quite large as a dollar figure, it is also reduced as a whole. So at the moment, the percentage is about 2.59%. As a whole, we can reduce it down to 2.48. So we are reducing the overall fee cost. It's just one of those things that we do have to account for. There's fees involved with everything, but we wanna make sure everything's working for you, that the fees make sense. I'm a big believer that I'm okay paying fees as long as I know what I'm paying for and as long as I'm getting what I want out of that as well. So we'll make sure things are working for you. You can talk to me as often as you like, and, you know, we can alter and adjust things as we need to as well. Okay? Excellent. Now with the portfolio, the investor portfolio, as we kinda talked about, we're reducing your risk level in the market, and we're reducing you back to the balanced growth portfolio, which when I look at the investments and how they have performed over the past year, five year rolling average, has actually performed greater than the growth portfolio you're in at the moment. So we do certainly hope that it can get this kind of return, although we know markets go up and down, and it's not always gonna be the 10.4%. But the portfolio I'm recommending has averaged this on a yearly basis as per my research. Okay? Beautiful. And now I believe if you just sort of scroll up slightly, you should see the investment recommended accumulation and pension tables there as well. Can you see those? Beautiful. This is the actual investments that I'm essentially gonna put you into within the account. So we're reducing a bit of risk. We're still keeping some of the investments. So you will essentially once we complete the investment switch, we'll see your funds in cybersecurity, some exposure into Europe, so diversification across all 16 European countries, some exposure into the Japanese market there as well, only about 3%. We have the Vanguard all world U x US investments. That's giving you exposure to global investment markets, not just current established markets, but also those up and coming as well. One of the biggest ways to mitigate market risk is to diversify. So this is one of the best ways to do so, and the Vanguard investment is low cost, well diversified, and has performed really well. So we wanna keep that global exposure for you. You'll also have some exposure in the S and P 500. I will also have the beta shares a 200, which is giving you access to the top 200 companies on the ASX. The S and P 500 gives you exposure into the top 500 companies on The US market. You'll see some physical gold in there as well. Physical gold has done really well, continues to do really well. It's growth in nature, but it's also defensive at times as well, so it works both ways. And we wanna see about 10% of your portfolio in that. Defensive low risk investments, we wanna see core composite bonds. So bonds are really great. The core composite bond exposure here gives you access to exchange traded funds that provide exposure into the Australian bond market. So looking at bond markets, not just long term, but short term as well. And bonds are really good for income producing. So they pay dividend or coupon payments, which are paid into your super and your pension account, and then we can have those redistributed into the portfolio. For compounding in your pension account, they'll also help to draw down your regular pension payments as well. Okay? And the other thing we talked about was looking at a bit of defensive protection as well. So one of the things we have been hearing from the local economists is that we know inflation has been high within Australia, and they are expecting it to remain high moving forward as well for the next few months, possibly even longer. So I've also got in here the IRS government inflation ETF. This is bond, and these are inflation protected bonds. Because one of the big things is when inflation is very high, a fixed interest like bonds, they are affected. They don't get returns that meet those sorts of high inflationary pressures, and the bond market actually sees a bit of a decrease. So by including the government inflation bonds, this is giving you access to, essentially, Australian government bonds designed to protect your investment against inflation. So, these sorts of investments having half in core composite, half in the government bonds means that when inflation's higher, you've got that inflation protection in the bond area, which means you still should expect really good returns. But then also when inflation's lower, not having all in the court in the government place and bonds having some core composite means that those other ones will see higher growth in the times when inflation's a bit lower. So it's about having defensive assets, but also giving you some defensive protection based on where we see the country going at the moment with inflationary pressures. Does that make sense? Yep. Beautiful. So that's essentially how you'll see things. As I kinda mentioned before, we'll open the pension account first. We'll do the drawdown first of the December, and then we'll do the switch on the investment. The reason I'm doing it that way is because we'll split your money up so you'll only have the 16,000 sitting in the accumulation account and the rest in the pension account. By doing the investment switch after we've opened the pension account, it means that only the money in the super account in the accumulation side is gonna be affected by CGT. So when we switch investments within the pension phase, because there's no tax consequences, there's no CGT consequences either. So it means that you will save, either. So it means that you will save on tax within the super system, and you'll have more money after we complete the switch there as well. Does that make sense? Yep. Do you have any questions? You're welcome to ask me anything you like. I know it can be a lot to go through. That's absolutely fine. That is essentially all I needed to go I needed to go through with you. I know it can be a lot, and I thank you so much for holding on to that one. I did sorta have a look back, and, essentially, with the overall CGT cost, we do expect them to be about we've averaged them out of that $1,600 it will be lower because we're moving money into pension phase first. But I've outlined all of that in the advice document for you. This, you know, essentially puts you in a better position. It's a lower risk investment. It's got inflationary money down on a regular basis. You will hold the two accounts that are open. You can be putting money in and still building up your super whilst drawing down in a tax free environment and making sure we claim the notice of intent there for you as well. So over as a whole, the strategy works to support your ongoing living expenses needs as well as providing additional growth there and lowering your overall risk of your portfolio. Does that make sense? Yeah. Beautiful. All good. Look. I will let you go to read that over as you need to. Let me know if there is any additional questions. That's absolutely fine. All I'd probably ask is that if you wanna take on the recommendations, because we are so close to the end of the financial year, if we can have that sign of return before yeah. Just so we can get everything started for you, and I'll make sure my team knows that this is very time sensitive to get this moving ASAP. I'm also gonna send you a separate email shortly. I have some supporting documents to send through. It's just that they wouldn't attach to that because it was quite a big document. So I'm gonna send a separate email with part of the statement, our financial services guide, and the appendix for you to also review as additional material if you're interested. And, like, as you when you've got time to read it over, let me know if there's any questions that come out of it. Happy to answer anything you like. You could email me or call me, and I'll make time. But, yeah, I'm looking forward to it. I really appreciate putting this together for you. I've really enjoyed doing the research and putting it together, and I know it's a lot to go through, but I thank you for bearing with me. Okay. It's honestly all good. It's all good. I'm actually really disappointed in my body. I was just like, no. This is horrible. I can't have my body falling apart at the end of June. It's a really inconvenient time. So no. All good. And, look, I'm off over the weekend anyway, so my body will have time to recover. I just needed to have enough downtime to make it so I could get out of bed and kind of get this sorted for you. And I really wanted to have it done before the end of today, and I'm so sorry that I rescheduled yesterday. It was not preferable, and I hated doing it. I just didn't want you to have half a document. I wanted to make sure it was right for you. So yeah. Oh, my pleasure. Oh, thank you so much, Catherine. I'll let you go. I hope you have a good day. I hope not. You too. I had a downtime. Absolutely. Oh, my pleasure. Have a great day. Say hi to Greg for me, and enjoy the rest of your week. I will. Thank you so much. I'll talk to you soon. See you later. 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Maddie. Perfect. Thank you so much. Two seconds. So sorry.\n\nOh, good. Just pulling it all back up. So no. Nothing's come through. Have you received anything?\n\nYeah. That's a bit weird. Hey. Because they wanted it, like, ASAP, and nothing's come through. Maybe.\n\nYeah. Oh god. I wonder where she sent that to then. Far out. Could you imagine?\n\nBeautiful. Just sorry. Christie's just fixing one thing. I'm just getting her to save it real quick because she didn't answer. She's like, oh, can I do one thing?\n\nI'm like, absolutely. But she's gonna call back in a minute. I guarantee you. Again alright. Fine.\n\nYou can see that. Perfect. Okay. Cool. You can transfer her through whenever you're ready.\n\nHi, How are you this morning? No. You're absolutely fine. I'm okay. Thank you so much for asking.\n\nI am so sorry we had to reschedule yesterday. I do honestly apologize about that. It's not good. I did I am. Thank you.\n\nI did my back in on the weekend, and Monday, Tuesday, I was laid up. I could not move, couldn't do anything. And then I think I'm coming down with a cold as well. And I was like, of course, it's happening that way. Of course, I'm getting sick.\n\nOf course. Yeah. That's it. No. I said, Nada, I have to be in the office.\n\nI had to get in tomorrow yesterday morning so we could finalize everything for you and make sure you have this today. That way you've got time because it is very time sensitive. So I wanted to make sure you have that that plan ready to go so you can review it prior to taking the recommendations there. I'm just sending a copy through to you. Are you able to jump into your emails?\n\nIf you're not, that's okay. I can just run you through it, but I just wanted to see if you are able to at all. Oh, that's okay. Oh, that's okay. I'm pressing send on the document now just so you can kind of have a look at it with you.\n\nJust often easier if you can see the document. But if you can't, I can I'm happy just to run through and let you review later. It's just generally easier. Absolutely. It's just pressing send now.\n\nHopefully, it comes through fairly quickly. Love technology. It does. It does. How's everything going for you guys at the moment?\n\nHow are you going up there? Yeah. That's good. Yeah. Oh, wow.\n\nYeah. Wow. Crazy. Yeah. Yeah.\n\nNow that should it tells me it tells me it's sent. So, hopefully, it should come through to you in a moment. If technology is working our way, that is. Yeah. You're right.\n\nHi. How are you? Hi, Greg. How are you? I'm very well.\n\nThank you. Yep. Yep. She's my power planner. Yeah.\n\nBeautiful. Yeah. So if you press the button there, it'll let you open the document. It will never ask you to sign anything until you've read it through. So when you press that button, it'll take you to the next page.\n\nYou'll see the the front page there, open financial statement of advice with your name on the front end today's date there for you. Beautiful. On the bottom of that page has been prepared by myself and my beautiful team here at Okey Financial, and it's got my authorized representative number of 1304394 there for you. If you scroll forward, pages number three, four, five, and six basically outline the areas that we are scoping in and scoping out the advice for you today. So we're looking at areas of superannuation, retirement planning for the time being, and also estate planning.\n\nSo looking at how your super is working effectively for you so you can continue to make those deductible contributions on a monthly basis of $2,000 per month, Looking at how you can draw down some income there for you, how to structure that, the investments within inside those accounts. And, also, because we're opening up a pension account, also considering the beneficiary side of things. That way, if in the event something was to happen to you, that your super and your pension payments are directed to where you want them to go. Okay? There are yeah.\n\nSure. Absolutely. Yeah. That's just what you told me you wanted to make yeah. Put into the super, but you're not limited to that.\n\nIf you wanted to put more in, as long as you're staying under the contribution cap, that's fine. The contributions cap as of the July 1 yeah. The contribution cap as of the July 1 will be 23 sorry. 32,500. I apologize for that.\n\nShe is. 32,500. So it's gonna go up by $2,500 for the next financial year, which is good. And, yeah, you're able to put in more if you want. If you just wanna put in the 2,000 to begin with to be able to cost averaging each month, that's fine.\n\nAnd then end of financial year, we could always look at what, you know, you wanted to put in as an additional lump sum, the payment notice intent. There's plenty of options that we can do, but this is absolutely fluid. It's one thing I do like about advice that it is fluid. It can change. You know, in six months' time, if you ring me and go, hey, Dana.\n\nI wanna change the strategy. We'll go back to the drawing board and update things that can all be changed and altered as your life and as your circumstances change. Okay? Beautiful. We've scoped out certain areas of advice, so areas that we're not really providing advice on today, but we can look at additional advice in the future there for you.\n\nTo make this a bit easier, if I just get you to scroll down for me to page number 13, I'll start taking you through the recommendations. You're welcome to ask any questions you have as we're running through them, and I'll just kind of explain what I'm recommending, how that works, and the advantages disadvantages. Oh, are you that's okay. Did you want me just to run through the the recommendations for you? You're welcome to take it back and read it later.\n\nIt's fine. Yeah. Oh, okay. Perfect. Yeah.\n\nNo. That's absolutely fine. Happy to stay on the line. It's not a problem at all. Yeah.\n\nYou're right. It's not an issue. It's all good. Sometimes it is easier, isn't it, having the computer in front of you, having the biggest brain. Yeah.\n\nYeah. Yeah. And how's how how long was it in Bundaberg at the moment? Oh, nice. Yeah.\n\nWow. Yeah. Oh, good. That's good. Definitely warm up there than it is down here.\n\nThat's for sure. Oh, it's all it ever does down here. It's rain. We don't need any more rain. Yeah.\n\nYeah. You're right. And and are you finding that you've got time to do day trips out and explore a little bit while you're up there? Oh, wow. Crazy busy.\n\nYeah. Yeah. Wow. Yeah. You did a whole anyway.\n\nYeah. Oh, that's good. No. No. Well, last time I was up there, I didn't get to go because I had a young child, but we wanna do that again and do the distillery run.\n\nDefinitely worth a trip. Yep. Fantastic. Oh, wow. Oh, fantastic.\n\nYeah. Fantastic. I'll put that on the back at least. That's for sure. Beautiful.\n\nYou're honestly fine. Take your time. Do not worry in any way, shall perform. I've blocked plenty of time out to make sure you've got time to go through it with me, so it's all good. Yep.\n\nYou're right. Is it coming through for you? Yeah. You're right. Honestly, it's fine.\n\nIt is on page number 13 is where the recommendations are starting for you. Is it saying anything particular as to why it's not opening? Or yeah. The circle of death, essentially, that thinking wheel. That's okay.\n\nOh, beautiful. Yep. Mine go down to the next page. Yours might have added one extra page on there. So it might be paid 13 14 for yourself.\n\nSo we've got strategy recommendations here ending 2526. Yep. Beautiful. So with this one here, start the recommendations. We'll start by retaining your hub twenty four super account.\n\nI did have a look at all the other options for super out there. Just make sure hub twenty four is still preferable. Hub twenty four is still the best option. And if we look to move into any other super fund out there, we would have to complete a full sell down, which means it's the highest EGT cost for your super fund. So retaining hub twenty four does work out to be more cost effective for you.\n\nSo we're gonna retain the super fund of the accumulation account as it is within hub twenty four, and we're gonna open up a separate account based pension account. So, basically, what happens is we move some money. In this case, it'll be 250,000 from your accumulation account into an account based pension. Essentially, how that works is the Superfund will just do a a transfer of it's called an in specie transfers. They will take 250,000 from the assets in your super and just transfer them into a pension account.\n\nIt is a fairly quick process. It can take up to a week to do. So we kind of wanna have this done before the end of the financial year so you can draw down that first 12,500 pension payment. But, essentially, it's just about retaining hub 24, moving $2.50 into the account based pension account. That's in pension phase, and you have the benefit there of having most of your money in pension phase.\n\nAnd because you're not working anymore, Being in pension phase is eligible for you, and pension phase is tax free. So the small amount that we expect to stay in the accumulation account, which will be 16,110. Anything in accumulation phase is still being charged at CGT and income tax at 15%. CGT can go as low as 10% depending on the assets held, but everything in the pension phase is tax free. It's a tax free environment.\n\nThere's no income tax, no CGT tax, and the income payments you draw down are all tax free as well. So it's a great place to be. It's definitely more tax advantage than any other strategy out there. And it just means that you'll then have the two accounts. You're accumulating your pension, $2.50 sitting in a pension account, and the rest of the funds in the accumulation account there.\n\nOnce we have that pension account open, we'll draw down that first payment, which is 12,500 and essentially 5% of the balance being transferred, and we'll make sure that payment's drawn down before the end of this financial year. That way, you've got that as a bit of a buffer there. Okay? On the bottom of that page, it also says lodge a notice intent. My power plan has noted you paid that 5,000 in there.\n\nWe've reclaimed the notice of intent for that, so it doesn't need to happen. But my power noticed it, and she wanted to make sure that that was accounted for. So it's all good. It's just making sure that everything is done. Yeah.\n\nSo that's already been done, which is fantastic. Essentially, this allows you to be able to draw income that keeps them keeps the funds most of the funds in a tax free environment, which is really important for you and allows you to draw down that buffer on that 12,500 that you wanted to take for your travels as a bit of a buffer for the income stream side of things. Okay? I know it's the best interest, Judy, is essentially my justification of the strategy and relating that back to your goal and how that works in your best interest for you. So I'll let you have a really good read through all those sections shortly.\n\nEssentially, underneath that, you'll also see a little table, and it basically shows you what we'll see. So we'll have the two accounts there in accumulation based on current balance. There'll be the 16,110 less in the accumulation phase, 250,000 moved into pension phase, and you withdraw 12,500, leaving a pension balance sitting in there of 237,500 for you. Okay? The next slide outlines all the advantages, disadvantages, and the risks involved.\n\nAdmittedly, opening up the pension account and giving you the advantage of having most of your money in that tax free environment. So it does mean, as I said, there's no income tax, no CCAT tax in that sort of area. And any withdrawals, you do make it completely tax free for you as well. So it's a very advantaged environment. The drawdown?\n\nYeah. We will. Yep. So what'll happen is is that's okay. What'll happen is once we open the pension account, my team will confirm with you what day you want the December, we probably just have drawn out as a one off transaction, so we initiate that for you.\n\nWe'll have that done as soon as the account's open. But once we open your pension account, we'll also nominate what day you wanna start receiving that $3,000 on a monthly basis being drawn out as your regular pension account pen so a pension payment, and that'll come down automatically every month for you as well. Okay? When you do get some time, have a read through the advantages, disadvantages, the risks involved. It's important to sort of note there are by saying keeping some money in that accumulation account, it does see income tax, the CGT, and income tax consequences, but they are more a tax advantage than, you know, in our own personal name.\n\nSo income tax within the super system is at 15% and CUT 15% or 10% if the assets have been held for more than twelve months. So it is a more tax advantaged environment still. It does mean you'll have the two accounts open. So you'll see when you log in to HUB 24, you'll have your accumulation, your super, and you'll also have the account based pension account. It does mean, overall, you'll have two accounts.\n\nSo there are higher administration fees for having two accounts. But I've also restructured the investments, and I'll show you those shortly to make sure your investments are taking on lower risk, but also providing good returns and also factoring in the fees for the investments as well. Okay? The next page outlines any risks of associated with the recommendations made and any alternatives that I've considered as well. So I note down alternative strategies that I may have looked at, considered as part of the advice.\n\nI did look at moving to other platforms that, you know, decided not to go that way because it would require more tax consequences to the sell down and the transfer, which can also take longer to do. I wanted to make the strategy as easy as possible for you, and Hub 24 is a great platform. There's nothing wrong with it. There's been no major changes that require it to to be, you know, to have you moved out of that platform. I also considered looking at a TTR strategy.\n\nHowever, TTR pensions have the same tax consequences as super. And because you're no longer working, you can take advantage of a full account based pension, so this works out to be more advantage for you. Okay? Excellent. If you scroll down to page number 21 for me, this is the second half of the recommendations.\n\nNow I've basically put them into two financial years because when we because we are so close to the end of the financial year, once we open the pension account, draw down the 12,500, that'll affect effectively take us to the end of this financial year. It will probably hit a 21. Yours might be 22. It has strategy recommendations for the next financial year. Oh, is might have yes.\n\nSorry. The heading that should say strategy recommendations financial year 2627. That's okay. You're fine. If you just go backwards a little bit what does it say on the page?\n\nYep. Yours is the page numbers have changed a little bit from what I'm looking at. So sorry. It might have been when it uploaded, it sort of redenumber the page numbers. I do apologize about that.\n\nLove technology when it wants to do things like that for us. The beautiful. Yep. That's the one. I can see that on mine too.\n\nFantastic. So this one here should say strategy recommendations year financial year 2627. Is that right? Yep. Beautiful.\n\nSo as I was kinda said, this is gonna be the first part of strategy will essentially bring us up to the end of this financial year because we are so close to the end there. So this will also commence as of the July 1. And once we open up the pension account, we can then allocate your pension payments to be drawn down on a regular basis. So you wanted to sort of see monthly withdrawals of about $3,000 per month to cover regular expenses, which essentially gives you $36,000 for the year. If you decide to change that, wanna increase or decrease or alter them, just let me know.\n\nThey can be changed. It's not a problem at all. When we do the pension Alec pension application, we do nominate a date that you wanna see those pension payments starting. As of the July 1, is there a certain day or date or time of the month that you would like to receive those pension payments, John, to hit your bank account? Yeah.\n\nAbsolutely. I'll just make a note of that for you for the first Monday of the month, and we'll make sure that those that is drawn down each month at the same time for you. Okay? Fantastic. So I'll make sure that that is in the application for you.\n\nMy team will then send that through. That'll all be signed and submitted with the original pension payment. We'll just make sure they start the first Monday of July for you to make it easier. And on the July 1, you'd be able to start making those additional contributions. You can do them earlier if you wanted to.\n\nI've just allocated the July 1 because you've done your 5,000 for this year. Starting the regular contribution as of next financial year means that you've steadily started that along. And then at the end of the financial year, we'll look at how many contributions you've made, whether you wanna make any additional contributions, and claim the notice of intent for that as well. Okay? And then we're all you're right.\n\nSorry. Sure. Yeah. The contribution? Yeah.\n\nIt's technically called a deductible contribution, and it goes in as a nonconcessional contribution. So the way I like to sort of note it is concessional means that tax is taken out. So when a concessional contribution hits your super fund, they take 15% tax out of that straight away. With a non concessional contribution, the money goes in. It is a 100% invested deductible contribution, it goes in non concessional, and then we change that to concessional by adding that notice of intent.\n\nAnd that's telling the funds that we have the intention. Yeah. Yeah. And that's telling the Superfund you have the intention to claim that money as a tax deduction, and that's why they take the tax out the fifteenth percent. So we because you don't have any you don't have any insurance payments or anything coming out of the account on a regular basis, we can essentially have that contribution going in on a yearly on a monthly basis or however often you wanna make it.\n\nAnd at the end of the financial year, we can then look at how much you've made as a total and then claim the whole amount under that notice of intent. Does that make sense? Yep. Beautiful. Ask any question you like.\n\nThere's no such thing as a silly question. I love them. They essentially, we just started to get out of the as of the July 1. We'll make sure your pension payments are being drawn down $3,000 per month into your nominated bank account, and my team will give you a call and get those bank account details off you. We also will then or, you know, get you to start direct setting the $2,000 per month into the accumulation account, so into your super account, sorry, With the intention to claim the notice we take at the end of the financial year.\n\nAs we said before, we've got $2,000 a month because that's how much you said you were comfortable with. If you decide you wanna put more in, that's absolutely fine as long as we don't go over the cap. We can also just be doing $2,000 on a regular monthly basis. Then at the end of the financial year, look at what you have available, cap space, and make a lump sum again at the end of the year if you want to as well. So there's a few options that we do have there.\n\nOkay? And then the last part of that strategy is that we're gonna also do an investment switch. So at the moment, you're in that growth environment. We talked about going into pension phase and starting to draw income down. And with the volatility that we have been seeing in the market, it is always a good idea to start reducing your risk level in the market.\n\nSo we talked and agreed on reducing you from the growth environment to a balanced growth kind of split, which is generally about 70% invested in growth assets, so international and Australian shares, listed property and commodities like gold and silver, and then also seeing 20% in defensive lower risk sorry, 30% oh, my apologies, in lower risk investments like cash, bonds, and fixed interest. This invest this sort of area is tracking to try and receive a regular compound of return of six to 8% on a yearly basis, and normally can see the likelihood of a negative return, say, one in every six years there. I went back and had a really good look at your portfolio, how it has been working, and also made a recommendation to alter the portfolio, a, to reduce your risk level, but, b, to also consider defensive assets and how economists believe Australia is gonna go with the high inflation over the next few months as well. So I've factored a lot of that into the recommendations with the investments, and I'll take you through those very shortly as well. Okay?\n\nUnderneath that, you'll see I've got the best interest duty there again. So just relating all of those recommendations back to your goals and how they do work in your best interest, making sure you've got regular income. You will be traveling after you leave, and you're always gonna have access to, you know, being able to give me a call and request drawdown. So this kinda gives you a regular monthly amount that you can expect in your bank account to kinda cover, you know, regular expenditures while you are traveling and living your best life, and I am so jealous that you get to do that. Think that is fantastic.\n\nI love what you guys are doing. I think it is beautiful. And then, yeah, making the regular absolutely. And then the regular $2,000, you can put that into the account with a couple of ways. So you can do it as a b pay transfer or an ETF transfer on a reg like, set up regularly to come out automatically on your bank account, or you can opt to do it as regularly as you would like.\n\nOr if you wanna hold off and do it at the end of the year, you absolutely can. Realistically, setting it up as a regular deposit once a month works out better for you because you are dollar cost averaging. So putting regular amounts into the super fund over a period of time, which helps to even out the investment returns. It can provide greater growth, and you take advantage of the market ups and downs as well. Okay?\n\nPerfect. So that's essentially majority of the recommendations there. I've also got a bit of a breakdown on the next page that outlines what you'll essentially see within the two accounts there. So the accumulation showing the starting balance, the regular deposits in, and then claiming on notice to intend at the end of the year, And then the HUD twenty four pension account showing the balance after the 12,500 has been withdrawn and then the regular withdrawal of 3,000 per month or 36,000 per year to cover your living expenses. Okay?\n\nNo. That's okay. What page are you on? What's the heading on that one? No.\n\nThat's fine. That's actually very good. I'll run down to where you are. So this is actually showing you so we've gone forward and projected essentially where you should be at the age of 61 with the current projected balance based on the growth and the fees within the account there. And then this shows you that by drawing down 36,000 per year for your income, with the expected growth and annual contribution going in, so this is both accounts mixed together, essentially.\n\nThis shows you how long your super would be expected to last for. Yes. Yeah. Keep Correct. And, look, there's other there's other things that can definitely come into play with this.\n\nThis is just based on the current recommendations with no additional changes there. However, alternatives I've considered, I've scoped out links for now because you're not quite eligible. But as you get close to age 67, we can reassess eligibility for getting age pension to supplement this. You might then sell a property, you know, sell the assets within a trust and put more money in the super or we shelter money in other ways. So there's lots of other things that we can do, and the advice is definitely gonna evolve.\n\nThis advice piece will change definitely before the age of at least 67, if not 84. So I definitely would expect things to last a little bit longer as we update and make the advice evolve for you as well. Okay? Yeah. Yeah.\n\nYeah. Yeah. No. That's okay. Beautiful.\n\nNow if you scroll down to the next page for me, can you tell me what the heading is that you're looking at on that page there? Yep. Yep. Beautiful. Yeah.\n\nSo this is when we open the pension account, you've got your beneficiary nomination already on the super, noting that in the event that something was to happen that the funds are to be paid to Greg. You wanted that to be the same thing on your pension account, but I've recommended so you'll probably remember on your sleep, you've got a binding on lapsing nomination. So it binds the trustee. With pension accounts, I'm recommending what's called a reversionary beneficiary. This essentially means that in the event of you passing, your pension payments will continue to then be distributed to grace with no stopping point.\n\nSo with a normal beneficiary nomination, like a binding on that thing, in the event that you were to pass away, if that was on the same on the pension account, the pension payments would stop. As soon as we notified them that you have passed away, the pension payments would stop, and then we'd have to go through the claims process to have that all moved into Greg's name. With a reversionary beneficiary, and you can only apply these to pension accounts, essentially, if you're receiving that $36,000 on a yearly basis and it's going to you, if you would then pass away, those regular pension payments of $3,000 per month do not stop. They continue to keep being paid, and they just get paid to Greg automatically. The benefit of this sort of benefit beneficiary is that because the pension payments don't stop and your living expenses continue even once you pass away, plus sometimes there's more expenses around getting everything ready for a funeral, the cost of a funeral, also, you know, people coming into town or having to, you know, stop and buy extra food and things like that.\n\nThere can be a lot of extra expenditure around that sort of thing. So having a reversionary benefit beneficiary absolutely. Yeah. Absolutely. And a lot of that would just continue the same way.\n\nSo this just keeps his pension payments going and doesn't stop to make it easier on him. Does that make sense? Yes. No. Well, the money runs out, the the pension payment stops.\n\nBut it's more just you know, if it's yeah. Yeah. It's more just that if you would have passed away and you had, say, a 150,000 or 200,000 still in your pension account and that $3,000 is still being paid out, it would continue to be paid out. Any beneficiary, no matter what it is, once the pension once the pension has no money and once the super is completely run dry, there's no money left. Everything will completely stop.\n\nSo this is, yeah, this is just making sure that in the interim, he can keep receiving the money that he is receiving whilst you have money in the account, essentially. Does that make sense? Yeah. Beautiful. This is a great way to have a beneficiary intention.\n\nIt just makes life a little easier for your partner at the time of passing. Keeping in mind that this is all just put in place in the event of I actually don't want anything to happen to you. I want you to out survive and laugh and enjoy all of your money. It's just one of those things that we do make sure we have in the plan and accounting for. And a reversionary is something that I do find a lot of people don't think of on a regular basis, and I do like a reversionary beneficiary.\n\nIt benefits your spouse, makes life easier. And, yeah, it just continues those pension payments so they can continue living in the event that you would have passed away. Okay? Beautiful. Now if I can just get you to scroll back up for me, just back up past the income drawdown section, you will see three tables with investment recommendations.\n\nJust let me know when you see those tables. Beautiful. Yep. That's the one. Perfect.\n\nSo this one here essentially outlines yeah. The yep. So the fee the fee protect projection table is the first one. That's essentially outlining your current Zebra account with your current fees. It's attached to your current risk profile and the investments there and noting that, you know, this is essentially what you're paying.\n\nSo at the moment, the admin fees are about 1,166. You've got investment fees coming out of the account, your current super balance at the top, and the ongoing service fee there as well, and you're in a growth portfolio. And whilst your return can slightly differ, essentially, when we look at your the portfolio and that you're in and utilize a five year rolling average, it's averaged about 9.62% over the last five years. So it has not been bad in any way, shape, or form. The recommended is essentially showing you the outcome with the recommendations in place.\n\nSo distributing your funds between the two accounts, the accumulation and the pension phase, how the administration fees will look. So you'll have a smaller admin fee within super, but a bit bigger in the pension phase then. So it does mean that overall admin fee for hire. Absolutely. Yeah.\n\nThat is just looking at the portfolio, so that doesn't take into account the administration fees. That is just inputting all the investments into so we use, like, adviser portals, like Morningstar and Lonestek to tell us how these portfolios have returned averagely over the past five years. And that's just showing you the current investment structure should have returned this. Admittedly, it could be different to what your portfolio has received because you've also got money coming and going at different times, so fees coming in and going out. You've also got, you know, your contributions going in, coming out at different times as well.\n\nSo it does affect the return, but this is just showing you based on research, this is what the average has been for that portfolio over the past five years. And that's kind of what we utilize for how we expect our portfolios to work in the future. So we're utilizing investment data from the past to show what portfolios are suited and what should be working for you in the future, knowing that it can change, and there's other factors that can change and and affect that as well. That's why we review the portfolios with you on a regular basis. Does that make sense?\n\nYep. Beautiful. Excellent. So at the top there, you'll see the two accounts. So the differences column has the first drawdown of 12,500.\n\nThat will come out before the end of the financial year, and then you've got your two balances there. So expected after the drawdown should be 237,500 and an accumulation 16,110. The two administration fees that will be expected to come out of the account on a yearly basis, So it does increase as a whole by that $399. That's because we're opening the two accounts up. In the back end with Hub twenty four, we could also aggregate the fees.\n\nSo we will link the accounts in the back end so that they can try to reduce the fees as much as possible. So we're essentially linking everything in the back end, and Hub twenty four can reduce the fees below that. That's based on research and what we expect at the moment. Okay? With the investment fees, currently, you're paying 1,247 on a yearly basis.\n\nWith the new recommended in the portfolio change, we actually see your investment fees decrease. So with the recommended change in investment portfolio, we can see and expect your investment fees to save you $769 for the first year. Okay? And then the adviser fee, which is a 1.65%, we just have that prorated across both the accounts there for you as well. Okay?\n\nExcellent. Contributions going in, that's the deductible contribution that has been recommended. And then we've also got the monthly withdrawal at $3,000 on a monthly basis being drawn out of the account. Okay? Perfect.\n\nWith the underneath there, you'll see there absolutely is. Admin fees are always percentage based, so they are generally quite high. It's for the administration and for the the platform itself charges. We try to limit and reduce them as much as possible, but there's no way to get around them. There's always gonna be admin fees and and things like that that are applied to every platform.\n\nSo yeah. Yep. It is. Yeah. Yeah.\n\nWell, when you look at the percentage cost there, as much as it is overall quite large as a dollar figure, it is also reduced as a whole. So at the moment, the percentage is about 2.59%. As a whole, we can reduce it down to 2.48. So we are reducing the overall fee cost. It's just one of those things that we do have to account for.\n\nThere's fees involved with everything, but we wanna make sure everything's working for you, that the fees make sense. I'm a big believer that I'm okay paying fees as long as I know what I'm paying for and as long as I'm getting what I want out of that as well. So we'll make sure things are working for you. You can talk to me as often as you like, and, you know, we can alter and adjust things as we need to as well. Okay?\n\nExcellent. Now with the portfolio, the investor portfolio, as we kinda talked about, we're reducing your risk level in the market, and we're reducing you back to the balanced growth portfolio, which when I look at the investments and how they have performed over the past year, five year rolling average, has actually performed greater than the growth portfolio you're in at the moment. So we do certainly hope that it can get this kind of return, although we know markets go up and down, and it's not always gonna be the 10.4%. But the portfolio I'm recommending has averaged this on a yearly basis as per my research. Okay?\n\nBeautiful. And now I believe if you just sort of scroll up slightly, you should see the investment recommended accumulation and pension tables there as well. Can you see those? Beautiful. This is the actual investments that I'm essentially gonna put you into within the account.\n\nSo we're reducing a bit of risk. We're still keeping some of the investments. So you will essentially once we complete the investment switch, we'll see your funds in cybersecurity, some exposure into Europe, so diversification across all 16 European countries, some exposure into the Japanese market there as well, only about 3%. We have the Vanguard all world U x US investments. That's giving you exposure to global investment markets, not just current established markets, but also those up and coming as well.\n\nOne of the biggest ways to mitigate market risk is to diversify. So this is one of the best ways to do so, and the Vanguard investment is low cost, well diversified, and has performed really well. So we wanna keep that global exposure for you. You'll also have some exposure in the S and P 500. I will also have the beta shares a 200, which is giving you access to the top 200 companies on the ASX.\n\nThe S and P 500 gives you exposure into the top 500 companies on The US market. You'll see some physical gold in there as well. Physical gold has done really well, continues to do really well. It's growth in nature, but it's also defensive at times as well, so it works both ways. And we wanna see about 10% of your portfolio in that.\n\nDefensive low risk investments, we wanna see core composite bonds. So bonds are really great. The core composite bond exposure here gives you access to exchange traded funds that provide exposure into the Australian bond market. So looking at bond markets, not just long term, but short term as well. And bonds are really good for income producing.\n\nSo they pay dividend or coupon payments, which are paid into your super and your pension account, and then we can have those redistributed into the portfolio. For compounding in your pension account, they'll also help to draw down your regular pension payments as well. Okay? And the other thing we talked about was looking at a bit of defensive protection as well. So one of the things we have been hearing from the local economists is that we know inflation has been high within Australia, and they are expecting it to remain high moving forward as well for the next few months, possibly even longer.\n\nSo I've also got in here the IRS government inflation ETF. This is bond, and these are inflation protected bonds. Because one of the big things is when inflation is very high, a fixed interest like bonds, they are affected. They don't get returns that meet those sorts of high inflationary pressures, and the bond market actually sees a bit of a decrease. So by including the government inflation bonds, this is giving you access to, essentially, Australian government bonds designed to protect your investment against inflation.\n\nSo, these sorts of investments having half in core composite, half in the government bonds means that when inflation's higher, you've got that inflation protection in the bond area, which means you still should expect really good returns. But then also when inflation's lower, not having all in the court in the government place and bonds having some core composite means that those other ones will see higher growth in the times when inflation's a bit lower. So it's about having defensive assets, but also giving you some defensive protection based on where we see the country going at the moment with inflationary pressures. Does that make sense? Yep.\n\nBeautiful. So that's essentially how you'll see things. As I kinda mentioned before, we'll open the pension account first. We'll do the drawdown first of the December, and then we'll do the switch on the investment. The reason I'm doing it that way is because we'll split your money up so you'll only have the 16,000 sitting in the accumulation account and the rest in the pension account.\n\nBy doing the investment switch after we've opened the pension account, it means that only the money in the super account in the accumulation side is gonna be affected by CGT. So when we switch investments within the pension phase, because there's no tax consequences, there's no CGT consequences either. So it means that you will save, either. So it means that you will save on tax within the super system, and you'll have more money after we complete the switch there as well. Does that make sense?\n\nYep. Do you have any questions? You're welcome to ask me anything you like. I know it can be a lot to go through. That's absolutely fine.\n\nThat is essentially all I needed to go I needed to go through with you. I know it can be a lot, and I thank you so much for holding on to that one. I did sorta have a look back, and, essentially, with the overall CGT cost, we do expect them to be about we've averaged them out of that $1,600 it will be lower because we're moving money into pension phase first. But I've outlined all of that in the advice document for you. This, you know, essentially puts you in a better position.\n\nIt's a lower risk investment. It's got inflationary money down on a regular basis. You will hold the two accounts that are open. You can be putting money in and still building up your super whilst drawing down in a tax free environment and making sure we claim the notice of intent there for you as well. So over as a whole, the strategy works to support your ongoing living expenses needs as well as providing additional growth there and lowering your overall risk of your portfolio.\n\nDoes that make sense? Yeah. Beautiful. All good. Look.\n\nI will let you go to read that over as you need to. Let me know if there is any additional questions. That's absolutely fine. All I'd probably ask is that if you wanna take on the recommendations, because we are so close to the end of the financial year, if we can have that sign of return before yeah. Just so we can get everything started for you, and I'll make sure my team knows that this is very time sensitive to get this moving ASAP.\n\nI'm also gonna send you a separate email shortly. I have some supporting documents to send through. It's just that they wouldn't attach to that because it was quite a big document. So I'm gonna send a separate email with part of the statement, our financial services guide, and the appendix for you to also review as additional material if you're interested. And, like, as you when you've got time to read it over, let me know if there's any questions that come out of it.\n\nHappy to answer anything you like. You could email me or call me, and I'll make time. But, yeah, I'm looking forward to it. I really appreciate putting this together for you. I've really enjoyed doing the research and putting it together, and I know it's a lot to go through, but I thank you for bearing with me.\n\nOkay. It's honestly all good. It's all good. I'm actually really disappointed in my body. I was just like, no.\n\nThis is horrible. I can't have my body falling apart at the end of June. It's a really inconvenient time. So no. All good.\n\nAnd, look, I'm off over the weekend anyway, so my body will have time to recover. I just needed to have enough downtime to make it so I could get out of bed and kind of get this sorted for you. And I really wanted to have it done before the end of today, and I'm so sorry that I rescheduled yesterday. It was not preferable, and I hated doing it. I just didn't want you to have half a document.\n\nI wanted to make sure it was right for you. So yeah. Oh, my pleasure. Oh, thank you so much, Catherine. I'll let you go.\n\nI hope you have a good day. I hope not. You too. I had a downtime. Absolutely.\n\nOh, my pleasure. Have a great day. Say hi to Greg for me, and enjoy the rest of your week. I will. Thank you so much.\n\nI'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Maddie.","start":1.68,"end":2.42,"sentiment":"neutral","sentiment_score":0.04925251007080078},{"text":"Perfect.","start":7.04,"end":7.54,"sentiment":"positive","sentiment_score":0.7225512266159058},{"text":"Thank you so much.","start":7.7599998,"end":9.139999,"sentiment":"positive","sentiment_score":0.7168568819761276},{"text":"Two seconds.","start":9.92,"end":10.719999,"sentiment":"neutral","sentiment_score":0.17097260057926178},{"text":"So sorry.","start":10.719999,"end":11.46,"sentiment":"neutral","sentiment_score":0.05294804833829403}],"sentiment":"positive","sentiment_score":0.37602955204519356,"num_words":11,"start":1.68,"end":11.46},{"sentences":[{"text":"Oh, good.","start":14.795,"end":15.615,"sentiment":"neutral","sentiment_score":0.11543677747249603},{"text":"Just pulling it all back up.","start":17.915,"end":19.275,"sentiment":"neutral","sentiment_score":0.04847785085439682},{"text":"So no.","start":19.275,"end":24.075,"sentiment":"neutral","sentiment_score":-0.07705018296837807},{"text":"Nothing's come through.","start":24.075,"end":24.955,"sentiment":"neutral","sentiment_score":-0.14931648969650269},{"text":"Have you received anything?","start":24.955,"end":26.175,"sentiment":"neutral","sentiment_score":-0.07283824309706688}],"sentiment":"neutral","sentiment_score":-0.021862479255479926,"num_words":17,"start":14.795,"end":26.175},{"sentences":[{"text":"Yeah.","start":34.28,"end":34.68,"sentiment":"neutral","sentiment_score":-0.14940589666366577},{"text":"That's a bit weird.","start":34.68,"end":35.48,"sentiment":"neutral","sentiment_score":-0.25466883927583694},{"text":"Hey.","start":35.48,"end":35.72,"sentiment":"neutral","sentiment_score":-0.1271078884601593},{"text":"Because they wanted it, like, ASAP, and nothing's come 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that.","start":73.555,"end":74.615,"sentiment":"neutral","sentiment_score":0.10097569227218628},{"text":"Perfect.","start":75.715,"end":76.215,"sentiment":"neutral","sentiment_score":0.26868516206741333},{"text":"Okay.","start":95.67,"end":95.99,"sentiment":"neutral","sentiment_score":0.1306538283824921},{"text":"Cool.","start":95.99,"end":96.39,"sentiment":"neutral","sentiment_score":0.15915091335773468},{"text":"You can transfer her through whenever you're ready.","start":96.39,"end":98.729996,"sentiment":"neutral","sentiment_score":0.12558965478092432}],"sentiment":"neutral","sentiment_score":0.13114066074291866,"num_words":15,"start":73.555,"end":98.729996},{"sentences":[{"text":"Hi, How are you this morning?","start":104.005,"end":106.025,"sentiment":"neutral","sentiment_score":0.0676917986323436},{"text":"No.","start":109.445,"end":109.765,"sentiment":"neutral","sentiment_score":-0.04459654912352562},{"text":"You're absolutely fine.","start":109.765,"end":111.465,"sentiment":"neutral","sentiment_score":-0.058819862082600594},{"text":"I'm okay.","start":117.54,"end":118.42,"sentiment":"neutral","sentiment_score":0.03557849582284689},{"text":"Thank you so much for asking.","start":118.42,"end":120.1,"sentiment":"neutral","sentiment_score":0.22526932507753372}],"sentiment":"neutral","sentiment_score":0.0893259776963128,"num_words":18,"start":104.005,"end":120.1},{"sentences":[{"text":"I am so sorry we had to reschedule yesterday.","start":120.1,"end":122.659996,"sentiment":"neutral","sentiment_score":-0.162336571349038},{"text":"I do honestly apologize about that.","start":122.659996,"end":125.08,"sentiment":"neutral","sentiment_score":-0.16153609255949655},{"text":"It's not good.","start":125.3,"end":126.44,"sentiment":"neutral","sentiment_score":-0.11100146919488907},{"text":"I did I am.","start":127.86,"end":130.625,"sentiment":"neutral","sentiment_score":0.02727045305073261},{"text":"Thank you.","start":130.625,"end":131.105,"sentiment":"neutral","sentiment_score":0.15896595269441605}],"sentiment":"neutral","sentiment_score":-0.09734318281213443,"num_words":24,"start":120.1,"end":131.105},{"sentences":[{"text":"I did my back in on the weekend, and Monday, Tuesday, I was laid up.","start":131.105,"end":135.505,"sentiment":"neutral","sentiment_score":-0.06967266847689947},{"text":"I could not move, couldn't do anything.","start":135.505,"end":137.605,"sentiment":"neutral","sentiment_score":-0.26311589564595905},{"text":"And then I think I'm coming down with a cold as well.","start":137.745,"end":139.985,"sentiment":"neutral","sentiment_score":-0.22618103524049124},{"text":"And I was like, of course, it's happening that way.","start":139.985,"end":141.985,"sentiment":"neutral","sentiment_score":-0.1371634729206562},{"text":"Of course, I'm getting sick.","start":141.985,"end":143.265,"sentiment":"neutral","sentiment_score":-0.17857394516468048}],"sentiment":"neutral","sentiment_score":-0.16052200356308294,"num_words":49,"start":131.105,"end":143.265},{"sentences":[{"text":"Of course.","start":143.265,"end":143.925,"sentiment":"neutral","sentiment_score":-0.07365790009498596},{"text":"Yeah.","start":146.68,"end":147.18,"sentiment":"neutral","sentiment_score":-0.005784791894257069},{"text":"That's it.","start":147.95999,"end":148.51999,"sentiment":"neutral","sentiment_score":-0.018114781007170677},{"text":"No.","start":148.51999,"end":148.63998,"sentiment":"neutral","sentiment_score":-0.19649724662303925},{"text":"I said, Nada, I have to be in the office.","start":148.63998,"end":150.76,"sentiment":"neutral","sentiment_score":-0.03314878325909376}],"sentiment":"neutral","sentiment_score":-0.0448322020820342,"num_words":16,"start":143.265,"end":150.76},{"sentences":[{"text":"I had to get in tomorrow yesterday morning so we could finalize everything for you and make sure you have this today.","start":150.76,"end":157.08,"sentiment":"neutral","sentiment_score":0.2095945304767652},{"text":"That way you've got time because it is very time sensitive.","start":157.08,"end":160.155,"sentiment":"neutral","sentiment_score":0.07307454740459268},{"text":"So I wanted to make sure you have that that plan ready to go so you can review it prior to taking the recommendations there.","start":160.155,"end":167.135,"sentiment":"positive","sentiment_score":0.3396546542644501},{"text":"I'm just sending a copy through to you.","start":167.435,"end":169.355,"sentiment":"neutral","sentiment_score":0.15715604182332754},{"text":"Are you able to jump into your emails?","start":169.355,"end":171.275,"sentiment":"neutral","sentiment_score":0.06716724159196019}],"sentiment":"neutral","sentiment_score":0.21217367994422848,"num_words":74,"start":150.76,"end":171.275},{"sentences":[{"text":"If you're not, that's okay.","start":171.275,"end":172.71,"sentiment":"neutral","sentiment_score":-0.027673501521348953},{"text":"I can just run you through it, but I just wanted to see if you are able to at all.","start":172.71,"end":176.41,"sentiment":"neutral","sentiment_score":0.131555687636137},{"text":"Oh, that's okay.","start":190.55501,"end":191.615,"sentiment":"neutral","sentiment_score":-0.06791343602041404},{"text":"Oh, that's okay.","start":196.315,"end":197.375,"sentiment":"neutral","sentiment_score":0.1582071085770925},{"text":"I'm pressing send on the document now just so you can kind of have a look at it with you.","start":197.515,"end":201.45,"sentiment":"neutral","sentiment_score":0.18563522174954414}],"sentiment":"neutral","sentiment_score":0.12698689603484145,"num_words":51,"start":171.275,"end":201.45},{"sentences":[{"text":"Just often easier if you can see the document.","start":201.53,"end":203.61,"sentiment":"neutral","sentiment_score":0.2168608291281594},{"text":"But if you can't, I can I'm happy just to run through and let you review later.","start":203.61,"end":207.29,"sentiment":"neutral","sentiment_score":0.3084064882029505},{"text":"It's just generally easier.","start":207.29,"end":209.31,"sentiment":"neutral","sentiment_score":0.020263728103600442},{"text":"Absolutely.","start":213.735,"end":214.235,"sentiment":"neutral","sentiment_score":0.3185785412788391},{"text":"It's just pressing send now.","start":215.895,"end":217.835,"sentiment":"neutral","sentiment_score":0.271930330991745}],"sentiment":"neutral","sentiment_score":0.24872063528487665,"num_words":36,"start":201.53,"end":217.835},{"sentences":[{"text":"Hopefully, it comes through fairly quickly.","start":225.015,"end":226.775,"sentiment":"positive","sentiment_score":0.3870691657066345},{"text":"Love technology.","start":226.775,"end":227.675,"sentiment":"positive","sentiment_score":0.4488750249147415},{"text":"It does.","start":229.62,"end":233.0,"sentiment":"neutral","sentiment_score":0.24093647301197052},{"text":"It does.","start":233.62,"end":234.18,"sentiment":"neutral","sentiment_score":0.24531425535678864},{"text":"How's everything going for you guys at the moment?","start":234.18,"end":236.18,"sentiment":"neutral","sentiment_score":0.2108827696906196}],"sentiment":"neutral","sentiment_score":0.2900291156201136,"num_words":21,"start":225.015,"end":236.18},{"sentences":[{"text":"How are you going up there?","start":236.18,"end":237.64,"sentiment":"neutral","sentiment_score":0.10241188853979111},{"text":"Yeah.","start":241.29999,"end":241.78,"sentiment":"neutral","sentiment_score":-0.08725731819868088},{"text":"That's good.","start":241.78,"end":242.76,"sentiment":"neutral","sentiment_score":-0.26984310150146484},{"text":"Yeah.","start":250.795,"end":251.295,"sentiment":"neutral","sentiment_score":-0.022880539298057556},{"text":"Oh, wow.","start":253.035,"end":253.935,"sentiment":"neutral","sentiment_score":-0.016484716907143593}],"sentiment":"neutral","sentiment_score":-0.005693513589600722,"num_words":12,"start":236.18,"end":253.935},{"sentences":[{"text":"Yeah.","start":254.875,"end":255.195,"sentiment":"neutral","sentiment_score":-0.05244714766740799},{"text":"Wow.","start":255.195,"end":255.695,"sentiment":"neutral","sentiment_score":-0.10625185072422028},{"text":"Crazy.","start":256.95502,"end":257.45502,"sentiment":"neutral","sentiment_score":-0.33143341541290283},{"text":"Yeah.","start":259.96,"end":260.36,"sentiment":"neutral","sentiment_score":-0.08983326703310013},{"text":"Yeah.","start":260.36,"end":260.86,"sentiment":"neutral","sentiment_score":-0.05355573818087578}],"sentiment":"neutral","sentiment_score":-0.1267042838037014,"num_words":5,"start":254.875,"end":260.86},{"sentences":[{"text":"Now that should it tells me it tells me it's sent.","start":262.19998,"end":265.24,"sentiment":"neutral","sentiment_score":0.05118346993218769},{"text":"So, hopefully, it should come through to you in a moment.","start":265.24,"end":267.81998,"sentiment":"neutral","sentiment_score":0.16838304630734705},{"text":"If technology is working our way, that is.","start":268.19998,"end":270.62,"sentiment":"neutral","sentiment_score":0.2062590029090643},{"text":"Yeah.","start":274.955,"end":275.275,"sentiment":"neutral","sentiment_score":0.2750110626220703},{"text":"You're right.","start":275.275,"end":276.175,"sentiment":"positive","sentiment_score":0.43284210562705994}],"sentiment":"neutral","sentiment_score":0.15775754472071474,"num_words":33,"start":262.19998,"end":276.175},{"sentences":[{"text":"Hi.","start":295.75,"end":296.15,"sentiment":"neutral","sentiment_score":0.2422688901424408},{"text":"How are you?","start":296.15,"end":296.97,"sentiment":"neutral","sentiment_score":0.2268602897723516},{"text":"Hi, Greg.","start":297.11,"end":297.91,"sentiment":"neutral","sentiment_score":0.2923397719860077},{"text":"How are you?","start":297.91,"end":298.81,"sentiment":"neutral","sentiment_score":0.29421600699424744},{"text":"I'm very well.","start":299.245,"end":300.285,"sentiment":"positive","sentiment_score":0.6054871877034506}],"sentiment":"positive","sentiment_score":0.3505532406270504,"num_words":12,"start":295.75,"end":300.285},{"sentences":[{"text":"Thank you.","start":300.285,"end":301.025,"sentiment":"positive","sentiment_score":0.6061952710151672},{"text":"Yep.","start":323.78,"end":324.1,"sentiment":"neutral","sentiment_score":0.08447330445051193},{"text":"Yep.","start":324.1,"end":324.58002,"sentiment":"neutral","sentiment_score":0.09783583134412766},{"text":"She's my power planner.","start":324.58002,"end":325.88,"sentiment":"neutral","sentiment_score":0.13630366325378418},{"text":"Yeah.","start":325.94,"end":326.44,"sentiment":"neutral","sentiment_score":0.15011240541934967}],"sentiment":"neutral","sentiment_score":0.23222519291771782,"num_words":9,"start":300.285,"end":326.44},{"sentences":[{"text":"Beautiful.","start":330.275,"end":330.775,"sentiment":"positive","sentiment_score":0.5074056386947632},{"text":"Yeah.","start":331.79498,"end":332.035,"sentiment":"neutral","sentiment_score":0.21691006422042847},{"text":"So if you press the button there, it'll let you open the document.","start":332.035,"end":335.095,"sentiment":"neutral","sentiment_score":0.1391283543064044},{"text":"It will never ask you to sign anything until you've read it through.","start":335.395,"end":338.775,"sentiment":"neutral","sentiment_score":0.11357455299450801},{"text":"So when you press that button, it'll take you to the next page.","start":338.91498,"end":341.475,"sentiment":"neutral","sentiment_score":0.06473309632677299}],"sentiment":"neutral","sentiment_score":0.11831667683110005,"num_words":41,"start":330.275,"end":341.475},{"sentences":[{"text":"You'll see the the front page there, open financial statement of advice with your name on the front end today's date there for you.","start":341.475,"end":348.43,"sentiment":"neutral","sentiment_score":0.1022702669724822},{"text":"Beautiful.","start":358.725,"end":359.225,"sentiment":"positive","sentiment_score":0.5253657698631287},{"text":"On the bottom of that page has been prepared by myself and my beautiful team here at Okey Financial, and it's got my authorized representative number of 1304394 there for you.","start":360.565,"end":370.505,"sentiment":"neutral","sentiment_score":0.27914163806746084},{"text":"If you scroll forward, pages number three, four, five, and six basically outline the areas that we are scoping in and scoping out the advice for you today.","start":371.88998,"end":382.45,"sentiment":"neutral","sentiment_score":0.20191646899495805},{"text":"So we're looking at areas of superannuation, retirement planning for the time being, and also estate planning.","start":382.45,"end":389.035,"sentiment":"neutral","sentiment_score":0.17607825117952683}],"sentiment":"neutral","sentiment_score":0.20079439959608683,"num_words":101,"start":341.475,"end":389.035},{"sentences":[{"text":"So looking at how your super is working effectively for you so you can continue to make those deductible contributions on a monthly basis of $2,000 per month, Looking at how you can draw down some income there for you, how to structure that, the investments within inside those accounts.","start":389.035,"end":404.6,"sentiment":"neutral","sentiment_score":0.26239723175764085},{"text":"And, also, because we're opening up a pension account, also considering the beneficiary side of things.","start":404.9,"end":410.02,"sentiment":"neutral","sentiment_score":0.2422438533976674},{"text":"That way, if in the event something was to happen to you, that your super and your pension payments are directed to where you want them to go.","start":410.02,"end":417.23502,"sentiment":"neutral","sentiment_score":0.2669553192598479},{"text":"Okay?","start":417.23502,"end":417.73502,"sentiment":"neutral","sentiment_score":0.12707316875457764},{"text":"There are yeah.","start":419.875,"end":421.155,"sentiment":"neutral","sentiment_score":0.054786997536818184}],"sentiment":"neutral","sentiment_score":0.2526729218661785,"num_words":98,"start":389.035,"end":421.155},{"sentences":[{"text":"Sure.","start":421.155,"end":421.655,"sentiment":"neutral","sentiment_score":0.02887995168566704},{"text":"Absolutely.","start":426.28,"end":426.78,"sentiment":"neutral","sentiment_score":0.30771714448928833},{"text":"Yeah.","start":426.84,"end":427.08002,"sentiment":"neutral","sentiment_score":0.14470285177230835},{"text":"That's just what you told me you wanted to make yeah.","start":427.08002,"end":429.80002,"sentiment":"neutral","sentiment_score":0.06695894084193489},{"text":"Put into the super, but you're not limited to that.","start":429.80002,"end":432.44,"sentiment":"neutral","sentiment_score":0.07004282027482986}],"sentiment":"neutral","sentiment_score":0.07992818749820192,"num_words":24,"start":421.155,"end":432.44},{"sentences":[{"text":"If you wanted to put more in, as long as you're staying under the contribution cap, that's fine.","start":432.44,"end":436.86002,"sentiment":"neutral","sentiment_score":0.07852655721621381},{"text":"The contributions cap as of the July 1 yeah.","start":437.24,"end":440.815,"sentiment":"neutral","sentiment_score":0.026969129633572366},{"text":"The contribution cap as of the July 1 will be 23 sorry.","start":440.815,"end":444.255,"sentiment":"neutral","sentiment_score":0.033120926624784865},{"text":"32,500.","start":444.255,"end":445.775,"sentiment":"neutral","sentiment_score":0.019181089475750923},{"text":"I apologize for that.","start":445.775,"end":446.995,"sentiment":"neutral","sentiment_score":-0.11218198016285896}],"sentiment":"neutral","sentiment_score":0.03691146556626667,"num_words":44,"start":432.44,"end":446.995},{"sentences":[{"text":"She is.","start":447.615,"end":448.335,"sentiment":"neutral","sentiment_score":0.20554829388856888},{"text":"32,500.","start":448.335,"end":449.695,"sentiment":"neutral","sentiment_score":0.1867387741804123},{"text":"So it's gonna go up by $2,500 for the next financial year, which is good.","start":449.695,"end":454.47,"sentiment":"positive","sentiment_score":0.5219612260659535},{"text":"And, yeah, you're able to put in more if you want.","start":455.27,"end":457.83,"sentiment":"positive","sentiment_score":0.422691591761329},{"text":"If you just wanna put in the 2,000 to begin with to be able to cost averaging each month, that's fine.","start":457.83,"end":462.31,"sentiment":"neutral","sentiment_score":0.2852928439776103}],"sentiment":"positive","sentiment_score":0.3813602197170258,"num_words":50,"start":447.615,"end":462.31},{"sentences":[{"text":"And then end of financial year, we could always look at what, you know, you wanted to put in as an additional lump sum, the payment notice intent.","start":462.31,"end":468.89,"sentiment":"neutral","sentiment_score":0.12010476152811732},{"text":"There's plenty of options that we can do, but this is absolutely fluid.","start":469.75,"end":473.295,"sentiment":"neutral","sentiment_score":0.23945518525747153},{"text":"It's one thing I do like about advice that it is fluid.","start":473.295,"end":476.015,"sentiment":"neutral","sentiment_score":0.2931121177971363},{"text":"It can change.","start":476.015,"end":476.995,"sentiment":"neutral","sentiment_score":0.31510448455810547},{"text":"You know, in six months' time, if you ring me and go, hey, Dana.","start":477.215,"end":479.855,"sentiment":"neutral","sentiment_score":0.16423486598900386}],"sentiment":"neutral","sentiment_score":0.1891113960317203,"num_words":70,"start":462.31,"end":479.855},{"sentences":[{"text":"I wanna change the strategy.","start":479.855,"end":481.315,"sentiment":"neutral","sentiment_score":0.24455146193504335},{"text":"We'll go back to the drawing board and update things that can all be changed and altered as your life and as your circumstances change.","start":481.45502,"end":488.03,"sentiment":"neutral","sentiment_score":0.26043409764766695},{"text":"Okay?","start":488.03,"end":488.53,"sentiment":"neutral","sentiment_score":0.2281067967414856},{"text":"Beautiful.","start":490.50998,"end":491.00998,"sentiment":"positive","sentiment_score":0.6935432553291321},{"text":"We've scoped out certain areas of advice, so areas that we're not really providing advice on today, but we can look at additional advice in the future there for you.","start":491.71,"end":499.715,"sentiment":"neutral","sentiment_score":0.20338384956121444}],"sentiment":"neutral","sentiment_score":0.23801250467377325,"num_words":62,"start":479.855,"end":499.715},{"sentences":[{"text":"To make this a bit easier, if I just get you to scroll down for me to page number 13, I'll start taking you through the recommendations.","start":501.29498,"end":508.35498,"sentiment":"neutral","sentiment_score":0.2271290945786017},{"text":"You're welcome to ask any questions you have as we're running through them, and I'll just kind of explain what I'm recommending, how that works, and the advantages disadvantages.","start":509.775,"end":519.49,"sentiment":"neutral","sentiment_score":0.24119348592799286},{"text":"Oh, are you that's okay.","start":521.55,"end":523.39,"sentiment":"neutral","sentiment_score":0.012541455402970313},{"text":"Did you want me just to run through the the recommendations for you?","start":523.39,"end":526.83,"sentiment":"neutral","sentiment_score":0.06160352937877178},{"text":"You're welcome to take it back and read it later.","start":526.83,"end":529.885,"sentiment":"positive","sentiment_score":0.3922553092241287}],"sentiment":"neutral","sentiment_score":0.21325241543707393,"num_words":84,"start":501.29498,"end":529.885},{"sentences":[{"text":"It's fine.","start":529.885,"end":530.545,"sentiment":"neutral","sentiment_score":0.2598406672477722},{"text":"Yeah.","start":532.20496,"end":532.70496,"sentiment":"neutral","sentiment_score":0.03253210335969925},{"text":"Oh, okay.","start":534.365,"end":535.345,"sentiment":"neutral","sentiment_score":0.1276632845401764},{"text":"Perfect.","start":535.96497,"end":536.46497,"sentiment":"positive","sentiment_score":0.4240656793117523},{"text":"Yeah.","start":542.16003,"end":542.64,"sentiment":"neutral","sentiment_score":0.08642719686031342}],"sentiment":"neutral","sentiment_score":0.18829041187252318,"num_words":7,"start":529.885,"end":542.64},{"sentences":[{"text":"No.","start":542.64,"end":542.96,"sentiment":"neutral","sentiment_score":0.13301154971122742},{"text":"That's absolutely fine.","start":542.96,"end":544.08,"sentiment":"positive","sentiment_score":0.3809505105018616},{"text":"Happy to stay on the line.","start":544.08,"end":545.2,"sentiment":"positive","sentiment_score":0.6343875030676523},{"text":"It's not a problem at all.","start":545.2,"end":546.74,"sentiment":"positive","sentiment_score":0.5398717373609543},{"text":"Yeah.","start":550.56,"end":550.96,"sentiment":"neutral","sentiment_score":0.1554708480834961}],"sentiment":"positive","sentiment_score":0.4986405512865852,"num_words":17,"start":542.64,"end":550.96},{"sentences":[{"text":"You're right.","start":550.96,"end":551.68,"sentiment":"neutral","sentiment_score":0.16711485385894775},{"text":"It's not an issue.","start":551.68,"end":554.10004,"sentiment":"neutral","sentiment_score":0.0655718632042408},{"text":"It's all good.","start":559.485,"end":560.305,"sentiment":"positive","sentiment_score":0.6455431977907816},{"text":"Sometimes it is easier, isn't it, having the computer in front of you, having the biggest 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nice.","start":594.145,"end":594.80505,"sentiment":"neutral","sentiment_score":0.25722209364175797},{"text":"Yeah.","start":602.35,"end":602.83,"sentiment":"neutral","sentiment_score":0.024286409839987755}],"sentiment":"neutral","sentiment_score":0.04594915727262988,"num_words":17,"start":585.10504,"end":602.83},{"sentences":[{"text":"Wow.","start":602.83,"end":603.33,"sentiment":"neutral","sentiment_score":0.03511723875999451},{"text":"Yeah.","start":606.83,"end":607.33,"sentiment":"neutral","sentiment_score":0.05442408472299576},{"text":"Oh, good.","start":608.855,"end":609.675,"sentiment":"neutral","sentiment_score":0.2414490431547165},{"text":"That's good.","start":609.89496,"end":610.795,"sentiment":"neutral","sentiment_score":0.2953880578279495},{"text":"Definitely warm up there than it is down here.","start":611.735,"end":613.65497,"sentiment":"neutral","sentiment_score":0.051838841599722706}],"sentiment":"neutral","sentiment_score":0.10865100665638844,"num_words":15,"start":602.83,"end":613.65497},{"sentences":[{"text":"That's for sure.","start":613.65497,"end":614.63495,"sentiment":"neutral","sentiment_score":-0.012943726653854052},{"text":"Oh, it's all it ever does down here.","start":615.815,"end":617.65497,"sentiment":"neutral","sentiment_score":-0.0235589777585119},{"text":"It's rain.","start":617.65497,"end":618.475,"sentiment":"neutral","sentiment_score":-0.023174175526946783},{"text":"We don't need any more 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run.","start":685.01,"end":692.63,"sentiment":"neutral","sentiment_score":-0.003158331110045828}],"sentiment":"neutral","sentiment_score":-0.0005041630672557013,"num_words":35,"start":679.09,"end":692.63},{"sentences":[{"text":"Definitely worth a trip.","start":692.77,"end":694.07,"sentiment":"positive","sentiment_score":0.3988926261663437},{"text":"Yep.","start":694.495,"end":694.995,"sentiment":"neutral","sentiment_score":0.17884138226509094},{"text":"Fantastic.","start":696.495,"end":696.995,"sentiment":"positive","sentiment_score":0.5507464408874512},{"text":"Oh, wow.","start":700.73505,"end":701.635,"sentiment":"neutral","sentiment_score":0.2729252874851227},{"text":"Oh, fantastic.","start":704.335,"end":705.395,"sentiment":"positive","sentiment_score":0.39071887731552124}],"sentiment":"positive","sentiment_score":0.3652446657419205,"num_words":10,"start":692.77,"end":705.395},{"sentences":[{"text":"Yeah.","start":706.75,"end":707.25,"sentiment":"positive","sentiment_score":0.4159523844718933},{"text":"Fantastic.","start":707.55,"end":708.05,"sentiment":"positive","sentiment_score":0.6512548923492432},{"text":"I'll put that on the back at least.","start":708.67,"end":710.02997,"sentiment":"neutral","sentiment_score":0.3139265328645706},{"text":"That's for sure.","start":710.02997,"end":710.93,"sentiment":"neutral","sentiment_score":0.23725761969884238},{"text":"Beautiful.","start":728.32495,"end":728.82495,"sentiment":"positive","sentiment_score":0.5451566576957703}],"sentiment":"positive","sentiment_score":0.3453963611807142,"num_words":14,"start":706.75,"end":728.82495},{"sentences":[{"text":"You're honestly fine.","start":824.1,"end":825.3,"sentiment":"neutral","sentiment_score":0.13316218058268228},{"text":"Take your time.","start":825.3,"end":826.02,"sentiment":"neutral","sentiment_score":0.07747224221626918},{"text":"Do not worry in any way, shall perform.","start":826.02,"end":827.94,"sentiment":"neutral","sentiment_score":-0.015236591454595327},{"text":"I've blocked plenty of time out to make sure you've got time to go through it with me, so it's all good.","start":827.94,"end":832.6,"sentiment":"positive","sentiment_score":0.48640775138681586},{"text":"Yep.","start":908.11,"end":908.51,"sentiment":"neutral","sentiment_score":0.026298021897673607}],"sentiment":"neutral","sentiment_score":0.30371024565318144,"num_words":37,"start":824.1,"end":908.51},{"sentences":[{"text":"You're right.","start":908.51,"end":909.25,"sentiment":"neutral","sentiment_score":0.04262363910675049},{"text":"Is it coming through for you?","start":965.67,"end":967.29,"sentiment":"neutral","sentiment_score":-0.008928724098950624},{"text":"Yeah.","start":968.805,"end":969.045,"sentiment":"neutral","sentiment_score":0.023233281448483467},{"text":"You're right.","start":969.045,"end":969.685,"sentiment":"neutral","sentiment_score":0.06667435541749},{"text":"Honestly, it's fine.","start":969.685,"end":970.825,"sentiment":"neutral","sentiment_score":0.18304953475793204}],"sentiment":"neutral","sentiment_score":0.05267182358407548,"num_words":14,"start":908.51,"end":970.825},{"sentences":[{"text":"It is on page number 13 is where the recommendations are starting for you.","start":970.885,"end":975.225,"sentiment":"neutral","sentiment_score":0.12670728298170225},{"text":"Is it saying anything particular as to why it's not opening?","start":1007.17004,"end":1010.47003,"sentiment":"neutral","sentiment_score":-0.02500367968935858},{"text":"Or yeah.","start":1011.09,"end":1014.45,"sentiment":"neutral","sentiment_score":-0.14384742453694344},{"text":"The circle of death, essentially, that thinking wheel.","start":1014.45,"end":1018.07,"sentiment":"neutral","sentiment_score":-0.14266705140471458},{"text":"That's okay.","start":1049.905,"end":1050.725,"sentiment":"neutral","sentiment_score":-0.005730470642447472}],"sentiment":"neutral","sentiment_score":0.0015775482044429396,"num_words":37,"start":970.885,"end":1050.725},{"sentences":[{"text":"Oh, beautiful.","start":1051.265,"end":1052.085,"sentiment":"neutral","sentiment_score":0.23176259547472},{"text":"Yep.","start":1088.915,"end":1089.415,"sentiment":"neutral","sentiment_score":0.0231807641685009},{"text":"Mine go down to the next page.","start":1090.515,"end":1092.94,"sentiment":"neutral","sentiment_score":0.011305564881435462},{"text":"Yours might have added one extra page on there.","start":1092.94,"end":1095.26,"sentiment":"neutral","sentiment_score":0.013990393839776516},{"text":"So it might be paid 13 14 for yourself.","start":1095.26,"end":1097.76,"sentiment":"neutral","sentiment_score":0.016176453688078456}],"sentiment":"neutral","sentiment_score":0.029905233465667282,"num_words":28,"start":1051.265,"end":1097.76},{"sentences":[{"text":"So we've got strategy recommendations here ending 2526.","start":1097.98,"end":1102.24,"sentiment":"neutral","sentiment_score":0.04002838348969817},{"text":"Yep.","start":1108.9349,"end":1109.335,"sentiment":"neutral","sentiment_score":0.2102125883102417},{"text":"Beautiful.","start":1109.335,"end":1109.835,"sentiment":"positive","sentiment_score":0.3911334276199341},{"text":"So with this one here, start the recommendations.","start":1110.615,"end":1112.795,"sentiment":"neutral","sentiment_score":0.19979465007781982},{"text":"We'll start by retaining your hub twenty four super account.","start":1113.095,"end":1116.315,"sentiment":"neutral","sentiment_score":0.1163958378136158}],"sentiment":"neutral","sentiment_score":0.13156745223594563,"num_words":28,"start":1097.98,"end":1116.315},{"sentences":[{"text":"I did have a look at all the other options for super out there.","start":1116.455,"end":1119.095,"sentiment":"neutral","sentiment_score":0.10490961000323296},{"text":"Just make sure hub twenty four is still preferable.","start":1119.095,"end":1121.275,"sentiment":"neutral","sentiment_score":0.0676940493285656},{"text":"Hub twenty four is still the best option.","start":1121.75,"end":1124.17,"sentiment":"neutral","sentiment_score":0.09163921140134335},{"text":"And if we look to move into any other super fund out there, we would have to complete a full sell down, which means it's the highest EGT cost for your super fund.","start":1124.39,"end":1133.1901,"sentiment":"neutral","sentiment_score":0.043382040253191284},{"text":"So retaining hub twenty four does work out to be more cost effective for you.","start":1133.1901,"end":1137.615,"sentiment":"neutral","sentiment_score":0.1379400983452797}],"sentiment":"neutral","sentiment_score":0.0798962465664254,"num_words":79,"start":1116.455,"end":1137.615},{"sentences":[{"text":"So we're gonna retain the super fund of the accumulation account as it is within hub twenty four, and we're gonna open up a separate account based pension account.","start":1138.015,"end":1146.495,"sentiment":"neutral","sentiment_score":0.07558367555511408},{"text":"So, basically, what happens is we move some money.","start":1146.495,"end":1149.615,"sentiment":"neutral","sentiment_score":0.08155404362413618},{"text":"In this case, it'll be 250,000 from your accumulation account into an account based pension.","start":1149.615,"end":1155.61,"sentiment":"neutral","sentiment_score":0.08319040437539418},{"text":"Essentially, how that works is the Superfund will just do a a transfer of it's called an in specie transfers.","start":1156.71,"end":1162.23,"sentiment":"neutral","sentiment_score":0.12535883598029612},{"text":"They will take 250,000 from the assets in your super and just transfer them into a pension account.","start":1162.23,"end":1168.515,"sentiment":"neutral","sentiment_score":0.09333593688077396}],"sentiment":"neutral","sentiment_score":0.09187903992094837,"num_words":91,"start":1138.015,"end":1168.515},{"sentences":[{"text":"It is a fairly quick process.","start":1168.515,"end":1170.0549,"sentiment":"neutral","sentiment_score":0.16344364980856577},{"text":"It can take up to a week to do.","start":1170.115,"end":1172.0549,"sentiment":"neutral","sentiment_score":0.08760008547041151},{"text":"So we kind of wanna have this done before the end of the financial year so you can draw down that first 12,500 pension payment.","start":1172.195,"end":1179.015,"sentiment":"neutral","sentiment_score":0.07178999885916709},{"text":"But, essentially, it's just about retaining hub 24, moving $2.50 into the account based pension account.","start":1180.23,"end":1185.75,"sentiment":"neutral","sentiment_score":0.09237851295620203},{"text":"That's in pension phase, and you have the benefit there of having most of your money in pension phase.","start":1185.75,"end":1190.79,"sentiment":"neutral","sentiment_score":0.2767859477745859}],"sentiment":"neutral","sentiment_score":0.13734402472774188,"num_words":75,"start":1168.515,"end":1190.79},{"sentences":[{"text":"And because you're not working anymore, Being in pension phase is eligible for you, and pension phase is tax free.","start":1190.79,"end":1197.125,"sentiment":"neutral","sentiment_score":0.16303937789052725},{"text":"So the small amount that we expect to stay in the accumulation account, which will be 16,110.","start":1197.265,"end":1204.0851,"sentiment":"neutral","sentiment_score":0.15743963683352752},{"text":"Anything in accumulation phase is still being charged at CGT and income tax at 15%.","start":1204.225,"end":1210.99,"sentiment":"neutral","sentiment_score":0.05932635838786761},{"text":"CGT can go as low as 10% depending on the assets held, but everything in the pension phase is tax free.","start":1210.99,"end":1217.39,"sentiment":"neutral","sentiment_score":0.2087443204862731},{"text":"It's a tax free environment.","start":1217.39,"end":1218.77,"sentiment":"positive","sentiment_score":0.44192070960998536}],"sentiment":"neutral","sentiment_score":0.172056295359746,"num_words":78,"start":1190.79,"end":1218.77},{"sentences":[{"text":"There's no income tax, no CGT tax, and the income payments you draw down are all tax free as well.","start":1218.83,"end":1224.585,"sentiment":"positive","sentiment_score":0.40840265303850176},{"text":"So it's a great place to be.","start":1224.585,"end":1227.385,"sentiment":"positive","sentiment_score":0.7304849198886326},{"text":"It's definitely more tax advantage than any other strategy out there.","start":1227.385,"end":1232.365,"sentiment":"positive","sentiment_score":0.3788923756642775},{"text":"And it just means that you'll then have the two accounts.","start":1232.505,"end":1234.65,"sentiment":"neutral","sentiment_score":0.2575332454659722},{"text":"You're accumulating your pension, $2.50 sitting in a pension account, and the rest of the funds in the accumulation account there.","start":1234.65,"end":1241.2101,"sentiment":"neutral","sentiment_score":0.2806463709899357}],"sentiment":"positive","sentiment_score":0.37393861604588374,"num_words":70,"start":1218.83,"end":1241.2101},{"sentences":[{"text":"Once we have that pension account open, we'll draw down that first payment, which is 12,500 and essentially 5% of the balance being transferred, and we'll make sure that payment's drawn down before the end of this financial year.","start":1241.2101,"end":1254.2151,"sentiment":"neutral","sentiment_score":0.21368910448673445},{"text":"That way, you've got that as a bit of a buffer there.","start":1254.275,"end":1256.755,"sentiment":"neutral","sentiment_score":0.2908149262269338},{"text":"Okay?","start":1256.755,"end":1257.255,"sentiment":"neutral","sentiment_score":0.06535780429840088},{"text":"On the bottom of that page, it also says lodge a notice intent.","start":1258.8351,"end":1261.8151,"sentiment":"neutral","sentiment_score":0.018827766968080632},{"text":"My power plan has noted you paid that 5,000 in there.","start":1262.1,"end":1265.14,"sentiment":"neutral","sentiment_score":0.053948370231823486}],"sentiment":"neutral","sentiment_score":0.16746322417288625,"num_words":76,"start":1241.2101,"end":1265.14},{"sentences":[{"text":"We've reclaimed the notice of intent for that, so it doesn't need to happen.","start":1265.14,"end":1268.2,"sentiment":"neutral","sentiment_score":0.04360308584624103},{"text":"But my power noticed it, and she wanted to make sure that that was accounted for.","start":1268.58,"end":1272.6,"sentiment":"neutral","sentiment_score":0.07868875621352345},{"text":"So it's all good.","start":1273.14,"end":1274.02,"sentiment":"positive","sentiment_score":0.5748679377138615},{"text":"It's just making sure that everything is done.","start":1274.02,"end":1277.0549,"sentiment":"positive","sentiment_score":0.5120847597718239},{"text":"Yeah.","start":1277.0549,"end":1277.5549,"sentiment":"positive","sentiment_score":0.4985710382461548}],"sentiment":"neutral","sentiment_score":0.20381823647767305,"num_words":43,"start":1265.14,"end":1277.5549},{"sentences":[{"text":"So that's already been done, which is fantastic.","start":1278.335,"end":1280.355,"sentiment":"positive","sentiment_score":0.7915901690721512},{"text":"Essentially, this allows you to be able to draw income that keeps them keeps the funds most of the funds in a tax free environment, which is really important for you and allows you to draw down that buffer on that 12,500 that you wanted to take for your travels as a bit of a buffer for the income stream side of things.","start":1280.815,"end":1297.15,"sentiment":"positive","sentiment_score":0.5687866624858644},{"text":"Okay?","start":1297.15,"end":1297.65,"sentiment":"neutral","sentiment_score":0.3070579171180725},{"text":"I know it's the best interest, Judy, is essentially my justification of the strategy and relating that back to your goal and how that works in your best interest for you.","start":1299.0701,"end":1308.755,"sentiment":"positive","sentiment_score":0.49877274132543997},{"text":"So I'll let you have a really good read through all those sections shortly.","start":1308.755,"end":1311.815,"sentiment":"neutral","sentiment_score":0.26169563297714504}],"sentiment":"positive","sentiment_score":0.5264874602484907,"num_words":117,"start":1278.335,"end":1311.815},{"sentences":[{"text":"Essentially, underneath that, you'll also see a little table, and it basically shows you what we'll see.","start":1313.715,"end":1318.595,"sentiment":"neutral","sentiment_score":0.11640768454355352},{"text":"So we'll have the two accounts there in accumulation based on current balance.","start":1318.595,"end":1322.5,"sentiment":"neutral","sentiment_score":0.07549541386274192},{"text":"There'll be the 16,110 less in the accumulation phase, 250,000 moved into pension phase, and you withdraw 12,500, leaving a pension balance sitting in there of 237,500 for you.","start":1322.64,"end":1337.295,"sentiment":"neutral","sentiment_score":0.16786952239686045},{"text":"Okay?","start":1337.295,"end":1337.795,"sentiment":"neutral","sentiment_score":0.0721060261130333},{"text":"The next slide outlines all the advantages, disadvantages, and the risks involved.","start":1339.295,"end":1343.3151,"sentiment":"neutral","sentiment_score":0.0634871624254932}],"sentiment":"neutral","sentiment_score":0.12031304364144388,"num_words":72,"start":1313.715,"end":1343.3151},{"sentences":[{"text":"Admittedly, opening up the pension account and giving you the advantage of having most of your money in that tax free environment.","start":1343.615,"end":1349.5299,"sentiment":"positive","sentiment_score":0.469263647090305},{"text":"So it does mean, as I said, there's no income tax, no CCAT tax in that sort of area.","start":1349.6699,"end":1354.57,"sentiment":"neutral","sentiment_score":0.2588590160012245},{"text":"And any withdrawals, you do make it completely tax free for you as well.","start":1354.95,"end":1358.47,"sentiment":"positive","sentiment_score":0.564905835049493},{"text":"So it's a very advantaged environment.","start":1358.47,"end":1360.97,"sentiment":"positive","sentiment_score":0.337080938120683},{"text":"The drawdown?","start":1364.515,"end":1365.255,"sentiment":"neutral","sentiment_score":0.04345417395234108}],"sentiment":"positive","sentiment_score":0.4009555112274866,"num_words":63,"start":1343.615,"end":1365.255},{"sentences":[{"text":"Yeah.","start":1367.235,"end":1367.475,"sentiment":"neutral","sentiment_score":0.12962475419044495},{"text":"We will.","start":1367.475,"end":1367.875,"sentiment":"neutral","sentiment_score":0.18111060559749603},{"text":"Yep.","start":1367.875,"end":1368.275,"sentiment":"neutral","sentiment_score":0.12131991237401962},{"text":"So what'll happen is is that's okay.","start":1368.275,"end":1371.495,"sentiment":"neutral","sentiment_score":0.10661355618919645},{"text":"What'll happen is once we open the pension account, my team will confirm with you what day you want the December, we probably just have drawn out as a one off transaction, so we initiate that for you.","start":1371.5549,"end":1384.2799,"sentiment":"neutral","sentiment_score":0.11365728452801704}],"sentiment":"neutral","sentiment_score":0.11588648128874447,"num_words":49,"start":1367.235,"end":1384.2799},{"sentences":[{"text":"We'll have that done as soon as the account's open.","start":1384.4199,"end":1386.5199,"sentiment":"neutral","sentiment_score":0.21026363968849182},{"text":"But once we open your pension account, we'll also nominate what day you wanna start receiving that $3,000 on a monthly basis being drawn out as your regular pension account pen so a pension payment, and that'll come down automatically every month for you as well.","start":1386.8999,"end":1401.6749,"sentiment":"neutral","sentiment_score":0.2755568863257118},{"text":"Okay?","start":1401.6749,"end":1402.1749,"sentiment":"neutral","sentiment_score":0.2075040340423584},{"text":"When you do get some time, have a read through the advantages, disadvantages, the risks involved.","start":1403.9149,"end":1408.23,"sentiment":"neutral","sentiment_score":0.03692648932337761},{"text":"It's important to sort of note there are by saying keeping some money in that accumulation account, it does see income tax, the CGT, and income tax consequences, but they are more a tax advantage than, you know, in our own personal name.","start":1408.7699,"end":1421.97,"sentiment":"neutral","sentiment_score":0.020192534511172495}],"sentiment":"neutral","sentiment_score":0.1417660346126248,"num_words":116,"start":1384.4199,"end":1421.97},{"sentences":[{"text":"So income tax within the super system is at 15% and CUT 15% or 10% if the assets have been held for more than twelve months.","start":1421.97,"end":1430.365,"sentiment":"neutral","sentiment_score":-0.03265199437737465},{"text":"So it is a more tax advantaged environment still.","start":1430.505,"end":1433.3251,"sentiment":"neutral","sentiment_score":0.06050677431954278},{"text":"It does mean you'll have the two accounts open.","start":1433.625,"end":1435.7051,"sentiment":"neutral","sentiment_score":0.10748396524124676},{"text":"So you'll see when you log in to HUB 24, you'll have your accumulation, your super, and you'll also have the account based pension account.","start":1435.7051,"end":1442.13,"sentiment":"neutral","sentiment_score":0.14874455481767654},{"text":"It does mean, overall, you'll have two accounts.","start":1442.59,"end":1444.83,"sentiment":"neutral","sentiment_score":0.0728443549014628}],"sentiment":"neutral","sentiment_score":0.06447186379076598,"num_words":77,"start":1421.97,"end":1444.83},{"sentences":[{"text":"So there are higher administration fees for having two accounts.","start":1444.83,"end":1448.0499,"sentiment":"neutral","sentiment_score":-0.05100661739706993},{"text":"But I've also restructured the investments, and I'll show you those shortly to make sure your investments are taking on lower risk, but also providing good returns and also factoring in the fees for the investments as well.","start":1448.51,"end":1462.515,"sentiment":"neutral","sentiment_score":0.2676381898161612},{"text":"Okay?","start":1462.575,"end":1463.075,"sentiment":"neutral","sentiment_score":0.033042989671230316},{"text":"The next page outlines any risks of associated with the recommendations made and any alternatives that I've considered as well.","start":1465.08,"end":1471.88,"sentiment":"neutral","sentiment_score":-0.0816661776509136},{"text":"So I note down alternative strategies that I may have looked at, considered as part of the advice.","start":1471.88,"end":1476.46,"sentiment":"neutral","sentiment_score":-0.010575012407369085}],"sentiment":"neutral","sentiment_score":0.09045464657889359,"num_words":87,"start":1444.83,"end":1476.46},{"sentences":[{"text":"I did look at moving to other platforms that, you know, decided not to go that way because it would require more tax consequences to the sell down and the transfer, which can also take longer to do.","start":1476.755,"end":1487.255,"sentiment":"neutral","sentiment_score":-0.16575381434277484},{"text":"I wanted to make the strategy as easy as possible for you, and Hub 24 is a great platform.","start":1487.395,"end":1492.05,"sentiment":"positive","sentiment_score":0.523175165841454},{"text":"There's nothing wrong with it.","start":1492.05,"end":1493.5701,"sentiment":"positive","sentiment_score":0.4494655966758728},{"text":"There's been no major changes that require it to to be, you know, to have you moved out of that platform.","start":1493.5701,"end":1500.15,"sentiment":"neutral","sentiment_score":-0.13125438296369143},{"text":"I also considered looking at a TTR strategy.","start":1501.3301,"end":1504.7101,"sentiment":"neutral","sentiment_score":0.06605173880234361}],"sentiment":"neutral","sentiment_score":0.04023168195079971,"num_words":91,"start":1476.755,"end":1504.7101},{"sentences":[{"text":"However, TTR pensions have the same tax consequences as super.","start":1504.8501,"end":1508.975,"sentiment":"neutral","sentiment_score":0.10062434449791909},{"text":"And because you're no longer working, you can take advantage of a full account based pension, so this works out to be more advantage for you.","start":1509.035,"end":1515.755,"sentiment":"neutral","sentiment_score":0.24074743487513983},{"text":"Okay?","start":1515.755,"end":1516.255,"sentiment":"neutral","sentiment_score":0.20309248566627505},{"text":"Excellent.","start":1517.675,"end":1518.175,"sentiment":"positive","sentiment_score":0.5657858848571777},{"text":"If you scroll down to page number 21 for me, this is the second half of the recommendations.","start":1519.035,"end":1523.66,"sentiment":"neutral","sentiment_score":0.2273898795247078}],"sentiment":"neutral","sentiment_score":0.21656380274466105,"num_words":56,"start":1504.8501,"end":1523.66},{"sentences":[{"text":"Now I've basically put them into two financial years because when we because we are so close to the end of the financial year, once we open the pension account, draw down the 12,500, that'll affect effectively take us to the end of this financial year.","start":1523.96,"end":1538.5951,"sentiment":"neutral","sentiment_score":0.1426482863076355},{"text":"It will probably hit a 21.","start":1539.615,"end":1542.735,"sentiment":"neutral","sentiment_score":-0.015899726344893377},{"text":"Yours might be 22.","start":1542.735,"end":1544.0951,"sentiment":"neutral","sentiment_score":0.002193630440160632},{"text":"It has strategy recommendations for the next financial year.","start":1544.0951,"end":1547.635,"sentiment":"neutral","sentiment_score":0.007073594360715813},{"text":"Oh, is might have yes.","start":1554.4,"end":1558.88,"sentiment":"neutral","sentiment_score":-0.04515930078923702}],"sentiment":"neutral","sentiment_score":0.09018661684489676,"num_words":70,"start":1523.96,"end":1558.88},{"sentences":[{"text":"Sorry.","start":1558.88,"end":1559.38,"sentiment":"neutral","sentiment_score":-0.08545669168233871},{"text":"The heading that should say strategy recommendations financial year 2627.","start":1562.5549,"end":1567.215,"sentiment":"neutral","sentiment_score":-0.08446874991059303},{"text":"That's okay.","start":1585.0,"end":1585.64,"sentiment":"neutral","sentiment_score":0.01335627818480134},{"text":"You're fine.","start":1585.64,"end":1586.12,"sentiment":"neutral","sentiment_score":0.04573043342679739},{"text":"If you just go backwards a little bit what does it say on the page?","start":1586.12,"end":1591.2649,"sentiment":"neutral","sentiment_score":-0.021319429824749627}],"sentiment":"neutral","sentiment_score":-0.03772540716454387,"num_words":30,"start":1558.88,"end":1591.2649},{"sentences":[{"text":"Yep.","start":1592.365,"end":1592.865,"sentiment":"neutral","sentiment_score":0.004954507574439049},{"text":"Yours is the page numbers have changed a little bit from what I'm looking at.","start":1594.605,"end":1599.885,"sentiment":"neutral","sentiment_score":-0.0499988234291474},{"text":"So sorry.","start":1599.885,"end":1600.365,"sentiment":"neutral","sentiment_score":-0.09395679086446762},{"text":"It might have been when it uploaded, it sort of redenumber the page numbers.","start":1600.365,"end":1603.8049,"sentiment":"neutral","sentiment_score":-0.10730772944433349},{"text":"I do apologize about that.","start":1603.8049,"end":1605.23,"sentiment":"neutral","sentiment_score":-0.11143740117549897}],"sentiment":"neutral","sentiment_score":-0.08087666604567219,"num_words":37,"start":1592.365,"end":1605.23},{"sentences":[{"text":"Love technology when it wants to do things like that for us.","start":1605.23,"end":1607.89,"sentiment":"neutral","sentiment_score":0.19844242247442404},{"text":"The beautiful.","start":1608.99,"end":1611.65,"sentiment":"neutral","sentiment_score":0.19710741564631462},{"text":"Yep.","start":1612.03,"end":1612.27,"sentiment":"neutral","sentiment_score":0.15645566582679749},{"text":"That's the one.","start":1612.27,"end":1612.8301,"sentiment":"neutral","sentiment_score":0.14918885876735052},{"text":"I can see that on mine too.","start":1612.8301,"end":1614.27,"sentiment":"neutral","sentiment_score":0.05754874087870121}],"sentiment":"neutral","sentiment_score":0.15129549317061902,"num_words":25,"start":1605.23,"end":1614.27},{"sentences":[{"text":"Fantastic.","start":1614.27,"end":1614.77,"sentiment":"positive","sentiment_score":0.3411387801170349},{"text":"So this one here should say strategy recommendations year financial year 2627.","start":1617.215,"end":1622.335,"sentiment":"neutral","sentiment_score":0.07424295538415511},{"text":"Is that right?","start":1622.335,"end":1623.235,"sentiment":"neutral","sentiment_score":0.08394458889961243},{"text":"Yep.","start":1624.655,"end":1625.055,"sentiment":"neutral","sentiment_score":0.1977989673614502},{"text":"Beautiful.","start":1625.055,"end":1625.555,"sentiment":"positive","sentiment_score":0.4243327975273132}],"sentiment":"neutral","sentiment_score":0.11700109868413872,"num_words":18,"start":1614.27,"end":1625.555},{"sentences":[{"text":"So as I was kinda said, this is gonna be the first part of strategy will essentially bring us up to the end of this financial year because we are so close to the end there.","start":1625.6951,"end":1633.9501,"sentiment":"neutral","sentiment_score":0.12605636866970193},{"text":"So this will also commence as of the July 1.","start":1633.9501,"end":1637.65,"sentiment":"neutral","sentiment_score":0.11455311998724937},{"text":"And once we open up the pension account, we can then allocate your pension payments to be drawn down on a regular basis.","start":1638.35,"end":1644.045,"sentiment":"neutral","sentiment_score":0.16038739195336466},{"text":"So you wanted to sort of see monthly withdrawals of about $3,000 per month to cover regular expenses, which essentially gives you $36,000 for the year.","start":1644.125,"end":1652.9451,"sentiment":"neutral","sentiment_score":0.17189335106657103},{"text":"If you decide to change that, wanna increase or decrease or alter them, just let me know.","start":1653.245,"end":1657.885,"sentiment":"neutral","sentiment_score":0.15672720705761628}],"sentiment":"neutral","sentiment_score":0.1473755369162453,"num_words":112,"start":1625.6951,"end":1657.885},{"sentences":[{"text":"They can be changed.","start":1657.885,"end":1658.685,"sentiment":"neutral","sentiment_score":0.2777433358132839},{"text":"It's not a problem at all.","start":1658.685,"end":1659.96,"sentiment":"positive","sentiment_score":0.540699635942777},{"text":"When we do the pension Alec pension application, we do nominate a date that you wanna see those pension payments starting.","start":1660.2799,"end":1666.86,"sentiment":"neutral","sentiment_score":0.242565142256873},{"text":"As of the July 1, is there a certain day or date or time of the month that you would like to receive those pension payments, John, to hit your bank account?","start":1667.32,"end":1675.74,"sentiment":"neutral","sentiment_score":0.11790761980228126},{"text":"Yeah.","start":1680.015,"end":1680.415,"sentiment":"neutral","sentiment_score":0.3157062828540802}],"sentiment":"neutral","sentiment_score":0.21152795723173767,"num_words":64,"start":1657.885,"end":1680.415},{"sentences":[{"text":"Absolutely.","start":1680.415,"end":1680.915,"sentiment":"positive","sentiment_score":0.5053468942642212},{"text":"I'll just make a note of that for you for the first Monday of the month, and we'll make sure that those that is drawn down each month at the same time for you.","start":1681.295,"end":1689.535,"sentiment":"positive","sentiment_score":0.3917488635462873},{"text":"Okay?","start":1689.535,"end":1690.035,"sentiment":"neutral","sentiment_score":0.20343774557113647},{"text":"Fantastic.","start":1691.5701,"end":1692.0701,"sentiment":"positive","sentiment_score":0.7784813642501831},{"text":"So I'll make sure that that is in the application for you.","start":1693.01,"end":1695.73,"sentiment":"positive","sentiment_score":0.5243298833568891}],"sentiment":"positive","sentiment_score":0.43058542785595877,"num_words":49,"start":1680.415,"end":1695.73},{"sentences":[{"text":"My team will then send that through.","start":1695.73,"end":1697.51,"sentiment":"positive","sentiment_score":0.379832740340914},{"text":"That'll all be signed and submitted with the original pension payment.","start":1697.81,"end":1701.73,"sentiment":"positive","sentiment_score":0.41651401736519555},{"text":"We'll just make sure they start the first Monday of July for you to make it easier.","start":1701.73,"end":1706.15,"sentiment":"positive","sentiment_score":0.47363176941871643},{"text":"And on the July 1, you'd be able to start making those additional contributions.","start":1707.315,"end":1710.535,"sentiment":"neutral","sentiment_score":0.3191209137439728},{"text":"You can do them earlier if you wanted to.","start":1710.6749,"end":1712.755,"sentiment":"neutral","sentiment_score":0.25887980229324764}],"sentiment":"positive","sentiment_score":0.38085921494097547,"num_words":58,"start":1695.73,"end":1712.755},{"sentences":[{"text":"I've just allocated the July 1 because you've done your 5,000 for this year.","start":1712.755,"end":1716.9349,"sentiment":"positive","sentiment_score":0.33894885437829153},{"text":"Starting the regular contribution as of next financial year means that you've steadily started that along.","start":1717.155,"end":1722.92,"sentiment":"positive","sentiment_score":0.5192465055733919},{"text":"And then at the end of the financial year, we'll look at how many contributions you've made, whether you wanna make any additional contributions, and claim the notice of intent for that as well.","start":1723.14,"end":1732.74,"sentiment":"neutral","sentiment_score":0.2222314411226441},{"text":"Okay?","start":1732.74,"end":1733.24,"sentiment":"neutral","sentiment_score":0.09960038959980012},{"text":"And then we're all you're right.","start":1734.645,"end":1736.245,"sentiment":"neutral","sentiment_score":0.14461436495184898}],"sentiment":"neutral","sentiment_score":0.3038927271542415,"num_words":71,"start":1712.755,"end":1736.245},{"sentences":[{"text":"Sorry.","start":1736.245,"end":1736.745,"sentiment":"neutral","sentiment_score":-0.15526701509952545},{"text":"Sure.","start":1737.285,"end":1737.785,"sentiment":"neutral","sentiment_score":-0.052637457847595215},{"text":"Yeah.","start":1741.045,"end":1741.545,"sentiment":"neutral","sentiment_score":-0.08029195666313171},{"text":"The contribution?","start":1749.13,"end":1749.87,"sentiment":"neutral","sentiment_score":-0.038505082949995995},{"text":"Yeah.","start":1750.49,"end":1750.99,"sentiment":"neutral","sentiment_score":0.004100369289517403}],"sentiment":"neutral","sentiment_score":-0.06018437103678783,"num_words":6,"start":1736.245,"end":1750.99},{"sentences":[{"text":"It's technically called a deductible contribution, and it goes in as a nonconcessional contribution.","start":1751.37,"end":1757.55,"sentiment":"neutral","sentiment_score":0.04777236415871552},{"text":"So the way I like to sort of note it is concessional means that tax is taken out.","start":1757.6901,"end":1763.505,"sentiment":"neutral","sentiment_score":0.17977086785766813},{"text":"So when a concessional contribution hits your super fund, they take 15% tax out of that straight away.","start":1764.385,"end":1770.325,"sentiment":"neutral","sentiment_score":0.11055698618292809},{"text":"With a non concessional contribution, the money goes in.","start":1770.625,"end":1774.785,"sentiment":"neutral","sentiment_score":0.18441783057318795},{"text":"It is a 100% invested deductible contribution, it goes in non concessional, and then we change that to concessional by adding that notice of intent.","start":1774.785,"end":1790.94,"sentiment":"neutral","sentiment_score":0.17098858654499055}],"sentiment":"neutral","sentiment_score":0.14082368583019292,"num_words":84,"start":1751.37,"end":1790.94},{"sentences":[{"text":"And that's telling the funds that we have the intention.","start":1791.235,"end":1793.8949,"sentiment":"neutral","sentiment_score":0.05212189927697182},{"text":"Yeah.","start":1794.835,"end":1795.235,"sentiment":"neutral","sentiment_score":0.08249086141586304},{"text":"Yeah.","start":1795.235,"end":1795.735,"sentiment":"neutral","sentiment_score":0.08656289428472519},{"text":"And that's telling the Superfund you have the intention to claim that money as a tax deduction, and that's why they take the tax out the fifteenth percent.","start":1795.7949,"end":1803.635,"sentiment":"neutral","sentiment_score":0.1274339116311499},{"text":"So we because you don't have any you don't have any insurance payments or anything coming out of the account on a regular basis, we can essentially have that contribution going in on a yearly on a monthly basis or however often you wanna make it.","start":1803.635,"end":1818.1901,"sentiment":"neutral","sentiment_score":0.16376413242972415}],"sentiment":"neutral","sentiment_score":0.13711130658034668,"num_words":86,"start":1791.235,"end":1818.1901},{"sentences":[{"text":"And at the end of the financial year, we can then look at how much you've made as a total and then claim the whole amount under that notice of intent.","start":1818.41,"end":1826.715,"sentiment":"neutral","sentiment_score":0.2491400942446724},{"text":"Does that make sense?","start":1826.715,"end":1827.775,"sentiment":"neutral","sentiment_score":0.11010113172233105},{"text":"Yep.","start":1829.035,"end":1829.535,"sentiment":"neutral","sentiment_score":0.285233736038208},{"text":"Beautiful.","start":1829.9149,"end":1830.4149,"sentiment":"positive","sentiment_score":0.6699270009994507},{"text":"Ask any question you like.","start":1830.7949,"end":1831.995,"sentiment":"neutral","sentiment_score":0.24799460768699647}],"sentiment":"neutral","sentiment_score":0.24664002914159072,"num_words":42,"start":1818.41,"end":1831.995},{"sentences":[{"text":"There's no such thing as a silly question.","start":1831.995,"end":1833.835,"sentiment":"neutral","sentiment_score":0.004344825632870197},{"text":"I love them.","start":1833.835,"end":1834.53,"sentiment":"positive","sentiment_score":0.7159170707066854},{"text":"They essentially, we just started to get out of the as of the July 1.","start":1837.01,"end":1840.6101,"sentiment":"neutral","sentiment_score":0.25285605490207674},{"text":"We'll make sure your pension payments are being drawn down $3,000 per month into your nominated bank account, and my team will give you a call and get those bank account details off you.","start":1840.61,"end":1849.51,"sentiment":"neutral","sentiment_score":0.18571412103141055},{"text":"We also will then or, you know, get you to start direct setting the $2,000 per month into the accumulation account, so into your super account, sorry, With the intention to claim the notice we take at the end of the financial year.","start":1850.435,"end":1865.59,"sentiment":"neutral","sentiment_score":0.1504396295911351}],"sentiment":"neutral","sentiment_score":0.18212169736117415,"num_words":103,"start":1831.995,"end":1865.59},{"sentences":[{"text":"As we said before, we've got $2,000 a month because that's how much you said you were comfortable with.","start":1865.73,"end":1870.6901,"sentiment":"neutral","sentiment_score":0.20706615910718315},{"text":"If you decide you wanna put more in, that's absolutely fine as long as we don't go over the cap.","start":1870.6901,"end":1875.765,"sentiment":"neutral","sentiment_score":0.22566142687574028},{"text":"We can also just be doing $2,000 on a regular monthly basis.","start":1875.845,"end":1879.765,"sentiment":"positive","sentiment_score":0.37169695645570755},{"text":"Then at the end of the financial year, look at what you have available, cap space, and make a lump sum again at the end of the year if you want to as well.","start":1879.765,"end":1886.885,"sentiment":"neutral","sentiment_score":0.21399115332785776},{"text":"So there's a few options that we do have there.","start":1886.885,"end":1889.845,"sentiment":"positive","sentiment_score":0.34903312623500826}],"sentiment":"neutral","sentiment_score":0.2491987317212318,"num_words":95,"start":1865.73,"end":1889.845},{"sentences":[{"text":"Okay?","start":1889.845,"end":1890.345,"sentiment":"neutral","sentiment_score":0.24977155029773712},{"text":"And then the last part of that strategy is that we're gonna also do an investment switch.","start":1891.93,"end":1895.6901,"sentiment":"neutral","sentiment_score":0.23963536848040187},{"text":"So at the moment, you're in that growth environment.","start":1895.6901,"end":1898.1101,"sentiment":"neutral","sentiment_score":0.1383233459459411},{"text":"We talked about going into pension phase and starting to draw income down.","start":1898.7301,"end":1902.0901,"sentiment":"neutral","sentiment_score":0.10778965657720199},{"text":"And with the volatility that we have been seeing in the market, it is always a good idea to start reducing your risk level in the market.","start":1902.0901,"end":1908.455,"sentiment":"neutral","sentiment_score":0.05956251836485333}],"sentiment":"neutral","sentiment_score":0.12802890237810008,"num_words":67,"start":1889.845,"end":1908.455},{"sentences":[{"text":"So we talked and agreed on reducing you from the growth environment to a balanced growth kind of split, which is generally about 70% invested in growth assets, so international and Australian shares, listed property and commodities like gold and silver, and then also seeing 20% in defensive lower risk sorry, 30% oh, my apologies, in lower risk investments like cash, bonds, and fixed interest.","start":1908.455,"end":1932.4401,"sentiment":"neutral","sentiment_score":0.19466523539561492},{"text":"This invest this sort of area is tracking to try and receive a regular compound of return of six to 8% on a yearly basis, and normally can see the likelihood of a negative return, say, one in every six years there.","start":1933.155,"end":1946.4551,"sentiment":"neutral","sentiment_score":-0.10757422713296753},{"text":"I went back and had a really good look at your portfolio, how it has been working, and also made a recommendation to alter the portfolio, a, to reduce your risk level, but, b, to also consider defensive assets and how economists believe Australia is gonna go with the high inflation over the next few months as well.","start":1947.0,"end":1966.8049,"sentiment":"neutral","sentiment_score":0.06898545923418012},{"text":"So I've factored a lot of that into the recommendations with the investments, and I'll take you through those very shortly as well.","start":1966.8049,"end":1972.485,"sentiment":"neutral","sentiment_score":0.24183134410692297},{"text":"Okay?","start":1972.485,"end":1972.98,"sentiment":"neutral","sentiment_score":0.09570831060409546}],"sentiment":"neutral","sentiment_score":0.09414872286654023,"num_words":189,"start":1908.455,"end":1972.98},{"sentences":[{"text":"Underneath that, you'll see I've got the best interest duty there again.","start":1974.9,"end":1977.7,"sentiment":"neutral","sentiment_score":0.17310054351886114},{"text":"So just relating all of those recommendations back to your goals and how they do work in your best interest, making sure you've got regular income.","start":1977.7,"end":1984.6,"sentiment":"positive","sentiment_score":0.4006449540074055},{"text":"You will be traveling after you leave, and you're always gonna have access to, you know, being able to give me a call and request drawdown.","start":1985.0599,"end":1992.095,"sentiment":"neutral","sentiment_score":0.2776916391001298},{"text":"So this kinda gives you a regular monthly amount that you can expect in your bank account to kinda cover, you know, regular expenditures while you are traveling and living your best life, and I am so jealous that you get to do that.","start":1992.1549,"end":2003.85,"sentiment":"positive","sentiment_score":0.35717657140710135},{"text":"Think that is fantastic.","start":2003.85,"end":2004.75,"sentiment":"positive","sentiment_score":0.8868333697319031}],"sentiment":"positive","sentiment_score":0.3480094693201993,"num_words":112,"start":1974.9,"end":2004.75},{"sentences":[{"text":"I love what you guys are doing.","start":2006.33,"end":2008.01,"sentiment":"positive","sentiment_score":0.8339517371995109},{"text":"I think it is beautiful.","start":2008.01,"end":2009.15,"sentiment":"positive","sentiment_score":0.822686779499054},{"text":"And then, yeah, making the regular absolutely.","start":2011.0499,"end":2014.99,"sentiment":"neutral","sentiment_score":0.26198129781654905},{"text":"And then the regular $2,000, you can put that into the account with a couple of ways.","start":2015.69,"end":2020.155,"sentiment":"neutral","sentiment_score":0.2134245143217199},{"text":"So you can do it as a b pay transfer or an ETF transfer on a reg like, set up regularly to come out automatically on your bank account, or you can opt to do it as regularly as you would like.","start":2020.155,"end":2030.895,"sentiment":"neutral","sentiment_score":0.1514752847807748}],"sentiment":"neutral","sentiment_score":0.2791685108573009,"num_words":78,"start":2006.33,"end":2030.895},{"sentences":[{"text":"Or if you wanna hold off and do it at the end of the year, you absolutely can.","start":2031.1951,"end":2034.5751,"sentiment":"neutral","sentiment_score":0.1543908930487103},{"text":"Realistically, setting it up as a regular deposit once a month works out better for you because you are dollar cost averaging.","start":2034.8201,"end":2041.4,"sentiment":"neutral","sentiment_score":0.24036411873318933},{"text":"So putting regular amounts into the super fund over a period of time, which helps to even out the investment returns.","start":2041.4601,"end":2047.665,"sentiment":"neutral","sentiment_score":0.29015703144527616},{"text":"It can provide greater growth, and you take advantage of the market ups and downs as well.","start":2047.665,"end":2052.145,"sentiment":"positive","sentiment_score":0.37299864432391},{"text":"Okay?","start":2052.145,"end":2052.645,"sentiment":"neutral","sentiment_score":0.09645546972751616}],"sentiment":"neutral","sentiment_score":0.2607313515264777,"num_words":79,"start":2031.1951,"end":2052.645},{"sentences":[{"text":"Perfect.","start":2054.225,"end":2054.725,"sentiment":"positive","sentiment_score":0.3536806106567383},{"text":"So that's essentially majority of the recommendations there.","start":2056.065,"end":2059.5251,"sentiment":"neutral","sentiment_score":0.22019169479608536},{"text":"I've also got a bit of a breakdown on the next page that outlines what you'll essentially see within the two accounts there.","start":2059.665,"end":2066.9001,"sentiment":"neutral","sentiment_score":0.12352449122978293},{"text":"So the accumulation showing the starting balance, the regular deposits in, and then claiming on notice to intend at the end of the year, And then the HUD twenty four pension account showing the balance after the 12,500 has been withdrawn and then the regular withdrawal of 3,000 per month or 36,000 per year to cover your living expenses.","start":2067.2002,"end":2087.0652,"sentiment":"neutral","sentiment_score":0.0873332319749614},{"text":"Okay?","start":2087.445,"end":2087.945,"sentiment":"neutral","sentiment_score":0.02332618087530136}],"sentiment":"neutral","sentiment_score":0.11013330798596144,"num_words":92,"start":2054.225,"end":2087.945},{"sentences":[{"text":"No.","start":2094.9001,"end":2095.1401,"sentiment":"neutral","sentiment_score":-0.051895394921302795},{"text":"That's okay.","start":2095.1401,"end":2095.9602,"sentiment":"neutral","sentiment_score":-0.013947953470051289},{"text":"What page are you on?","start":2100.6602,"end":2101.9402,"sentiment":"neutral","sentiment_score":-0.007711807638406754},{"text":"What's the heading on that one?","start":2101.9402,"end":2103.4001,"sentiment":"neutral","sentiment_score":-0.0024380882581075034},{"text":"No.","start":2107.065,"end":2107.305,"sentiment":"neutral","sentiment_score":-0.1273391842842102}],"sentiment":"neutral","sentiment_score":-0.017354536925752957,"num_words":15,"start":2094.9001,"end":2107.305},{"sentences":[{"text":"That's fine.","start":2107.305,"end":2107.865,"sentiment":"neutral","sentiment_score":0.02732307044789195},{"text":"That's actually very good.","start":2107.865,"end":2109.225,"sentiment":"positive","sentiment_score":0.41470344364643097},{"text":"I'll run down to where you are.","start":2109.225,"end":2110.745,"sentiment":"neutral","sentiment_score":0.05705741590021977},{"text":"So this is actually showing you so we've gone forward and projected essentially where you should be at the age of 61 with the current projected balance based on the growth and the fees within the account there.","start":2110.745,"end":2122.94,"sentiment":"neutral","sentiment_score":0.06002634106890151},{"text":"And then this shows you that by drawing down 36,000 per year for your income, with the expected growth and annual contribution going in, so this is both accounts mixed together, essentially.","start":2123.0,"end":2135.1152,"sentiment":"neutral","sentiment_score":0.05724528757855296}],"sentiment":"neutral","sentiment_score":0.07500857819174697,"num_words":83,"start":2107.305,"end":2135.1152},{"sentences":[{"text":"This shows you how long your super would be expected to last for.","start":2135.495,"end":2139.675,"sentiment":"neutral","sentiment_score":0.07021490513132168},{"text":"Yes.","start":2140.7751,"end":2141.2751,"sentiment":"neutral","sentiment_score":0.07362771034240723},{"text":"Yeah.","start":2142.6152,"end":2143.1152,"sentiment":"neutral","sentiment_score":0.06401217728853226},{"text":"Keep Correct.","start":2143.3352,"end":2152.25,"sentiment":"neutral","sentiment_score":0.034058538265526295},{"text":"And, look, there's other there's other things that can definitely come into play with this.","start":2152.25,"end":2155.93,"sentiment":"neutral","sentiment_score":0.001854904411205401}],"sentiment":"neutral","sentiment_score":0.03582419678241422,"num_words":32,"start":2135.495,"end":2155.93},{"sentences":[{"text":"This is just based on the current recommendations with no additional changes there.","start":2155.93,"end":2159.95,"sentiment":"neutral","sentiment_score":0.01003430224955082},{"text":"However, alternatives I've considered, I've scoped out links for now because you're not quite eligible.","start":2160.33,"end":2165.205,"sentiment":"neutral","sentiment_score":-0.07154961129029593},{"text":"But as you get close to age 67, we can reassess eligibility for getting age pension to supplement this.","start":2165.425,"end":2172.065,"sentiment":"neutral","sentiment_score":-0.03323304741398284},{"text":"You might then sell a property, you know, sell the assets within a trust and put more money in the super or we shelter money in other ways.","start":2172.065,"end":2179.32,"sentiment":"neutral","sentiment_score":-0.019695528450288942},{"text":"So there's lots of other things that we can do, and the advice is definitely gonna evolve.","start":2179.56,"end":2183.6401,"sentiment":"neutral","sentiment_score":0.03543546497273971}],"sentiment":"neutral","sentiment_score":-0.01655758731573334,"num_words":92,"start":2155.93,"end":2183.6401},{"sentences":[{"text":"This advice piece will change definitely before the age of at least 67, if not 84.","start":2183.6401,"end":2189.0,"sentiment":"neutral","sentiment_score":-0.014599516347516328},{"text":"So I definitely would expect things to last a little bit longer as we update and make the advice evolve for you as well.","start":2189.0,"end":2196.615,"sentiment":"neutral","sentiment_score":0.1753892550865809},{"text":"Okay?","start":2196.6748,"end":2197.1748,"sentiment":"neutral","sentiment_score":0.025193095207214355},{"text":"Yeah.","start":2198.755,"end":2199.255,"sentiment":"neutral","sentiment_score":-0.08537022024393082},{"text":"Yeah.","start":2205.4749,"end":2205.9749,"sentiment":"neutral","sentiment_score":-0.04033397138118744}],"sentiment":"neutral","sentiment_score":0.09012183172325063,"num_words":43,"start":2183.6401,"end":2205.9749},{"sentences":[{"text":"Yeah.","start":2206.275,"end":2206.775,"sentiment":"neutral","sentiment_score":-0.02733578160405159},{"text":"Yeah.","start":2210.53,"end":2211.03,"sentiment":"neutral","sentiment_score":-0.021046433597803116},{"text":"No.","start":2213.3298,"end":2213.5698,"sentiment":"neutral","sentiment_score":-0.03136250376701355},{"text":"That's okay.","start":2213.5698,"end":2214.47,"sentiment":"neutral","sentiment_score":0.21307143010199067},{"text":"Beautiful.","start":2214.69,"end":2215.19,"sentiment":"positive","sentiment_score":0.5601224899291992}],"sentiment":"neutral","sentiment_score":0.15108677186071873,"num_words":6,"start":2206.275,"end":2215.19},{"sentences":[{"text":"Now if you scroll down to the next page for me, can you tell me what the heading is that you're looking at on that page there?","start":2215.81,"end":2221.1099,"sentiment":"neutral","sentiment_score":-0.013158356701886212},{"text":"Yep.","start":2226.395,"end":2226.895,"sentiment":"neutral","sentiment_score":-0.02531454525887966},{"text":"Yep.","start":2227.995,"end":2228.495,"sentiment":"neutral","sentiment_score":-0.029764149338006973},{"text":"Beautiful.","start":2239.72,"end":2240.22,"sentiment":"positive","sentiment_score":0.6351887583732605},{"text":"Yeah.","start":2240.4402,"end":2240.9402,"sentiment":"positive","sentiment_score":0.34603023529052734}],"sentiment":"neutral","sentiment_score":0.018414989294063662,"num_words":31,"start":2215.81,"end":2240.9402},{"sentences":[{"text":"So this is when we open the pension account, you've got your beneficiary nomination already on the super, noting that in the event that something was to happen that the funds are to be paid to Greg.","start":2241.32,"end":2251.1,"sentiment":"neutral","sentiment_score":0.08963891974574811},{"text":"You wanted that to be the same thing on your pension account, but I've recommended so you'll probably remember on your sleep, you've got a binding on lapsing nomination.","start":2251.455,"end":2259.155,"sentiment":"neutral","sentiment_score":0.1075998545977576},{"text":"So it binds the trustee.","start":2259.455,"end":2261.235,"sentiment":"neutral","sentiment_score":0.09009080231189728},{"text":"With pension accounts, I'm recommending what's called a reversionary beneficiary.","start":2262.2551,"end":2266.2751,"sentiment":"neutral","sentiment_score":0.13861601427197456},{"text":"This essentially means that in the event of you passing, your pension payments will continue to then be distributed to grace with no stopping point.","start":2266.99,"end":2275.8901,"sentiment":"neutral","sentiment_score":0.15545009106397628}],"sentiment":"neutral","sentiment_score":0.11471605891326689,"num_words":106,"start":2241.32,"end":2275.8901},{"sentences":[{"text":"So with a normal beneficiary nomination, like a binding on that thing, in the event that you were to pass away, if that was on the same on the pension account, the pension payments would stop.","start":2276.1902,"end":2286.385,"sentiment":"neutral","sentiment_score":0.00012000800213880009},{"text":"As soon as we notified them that you have passed away, the pension payments would stop, and then we'd have to go through the claims process to have that all moved into Greg's name.","start":2286.385,"end":2295.6,"sentiment":"neutral","sentiment_score":-0.023600984529099044},{"text":"With a reversionary beneficiary, and you can only apply these to pension accounts, essentially, if you're receiving that $36,000 on a yearly basis and it's going to you, if you would then pass away, those regular pension payments of $3,000 per month do not stop.","start":2295.9202,"end":2312.295,"sentiment":"neutral","sentiment_score":0.04732100309597121},{"text":"They continue to keep being paid, and they just get paid to Greg automatically.","start":2312.295,"end":2316.2349,"sentiment":"neutral","sentiment_score":0.13617620031748498},{"text":"The benefit of this sort of benefit beneficiary is that because the pension payments don't stop and your living expenses continue even once you pass away, plus sometimes there's more expenses around getting everything ready for a funeral, the cost of a funeral, also, you know, people coming into town or having to, you know, stop and buy extra food and things like that.","start":2317.335,"end":2338.565,"sentiment":"neutral","sentiment_score":0.03162606980185956}],"sentiment":"neutral","sentiment_score":0.02726356075217687,"num_words":193,"start":2276.1902,"end":2338.565},{"sentences":[{"text":"There can be a lot of extra expenditure around that sort of thing.","start":2338.565,"end":2341.365,"sentiment":"neutral","sentiment_score":-0.1251094610645221},{"text":"So having a reversionary benefit beneficiary absolutely.","start":2341.365,"end":2348.425,"sentiment":"neutral","sentiment_score":0.16013292968273163},{"text":"Yeah.","start":2351.19,"end":2351.67,"sentiment":"positive","sentiment_score":0.3654526472091675},{"text":"Absolutely.","start":2351.67,"end":2352.17,"sentiment":"positive","sentiment_score":0.5336164832115173},{"text":"And a lot of that would just continue the same way.","start":2352.71,"end":2355.11,"sentiment":"positive","sentiment_score":0.40603395483710547}],"sentiment":"neutral","sentiment_score":0.14727121659300543,"num_words":33,"start":2338.565,"end":2355.11},{"sentences":[{"text":"So this just keeps his pension payments going and doesn't stop to make it easier on him.","start":2355.11,"end":2359.27,"sentiment":"positive","sentiment_score":0.4895622835439794},{"text":"Does that make sense?","start":2359.27,"end":2360.33,"sentiment":"neutral","sentiment_score":0.20683185756206512},{"text":"Yes.","start":2364.445,"end":2364.945,"sentiment":"neutral","sentiment_score":0.0234798900783062},{"text":"No.","start":2368.045,"end":2368.365,"sentiment":"neutral","sentiment_score":-0.06998749077320099},{"text":"Well, the money runs out, the the pension payment stops.","start":2368.365,"end":2371.325,"sentiment":"neutral","sentiment_score":-0.05624263659119606}],"sentiment":"neutral","sentiment_score":0.2588167358754259,"num_words":33,"start":2355.11,"end":2371.325},{"sentences":[{"text":"But it's more just you know, if it's yeah.","start":2371.325,"end":2374.285,"sentiment":"neutral","sentiment_score":0.007678343500528071},{"text":"Yeah.","start":2374.285,"end":2374.765,"sentiment":"neutral","sentiment_score":0.024805042892694473},{"text":"It's more just that if you would have passed away and you had, say, a 150,000 or 200,000 still in your pension account and that $3,000 is still being paid out, it would continue to be paid out.","start":2374.765,"end":2386.25,"sentiment":"neutral","sentiment_score":-0.08591784340770621},{"text":"Any beneficiary, no matter what it is, once the pension once the pension has no money and once the super is completely run dry, there's no money left.","start":2387.03,"end":2395.705,"sentiment":"neutral","sentiment_score":-0.11552569742447563},{"text":"Everything will completely stop.","start":2395.705,"end":2397.385,"sentiment":"neutral","sentiment_score":-0.26077043265104294}],"sentiment":"neutral","sentiment_score":-0.09310961466981098,"num_words":80,"start":2371.325,"end":2397.385},{"sentences":[{"text":"So this is, yeah, this is just making sure that in the interim, he can keep receiving the money that he is receiving whilst you have money in the account, essentially.","start":2397.385,"end":2406.585,"sentiment":"neutral","sentiment_score":0.022308384098352924},{"text":"Does that make sense?","start":2406.585,"end":2407.62,"sentiment":"neutral","sentiment_score":0.034875391982495785},{"text":"Yeah.","start":2408.9802,"end":2409.4802,"sentiment":"neutral","sentiment_score":0.12890055775642395},{"text":"Beautiful.","start":2409.7002,"end":2410.2002,"sentiment":"positive","sentiment_score":0.6453210711479187},{"text":"This is a great way to have a beneficiary intention.","start":2410.9001,"end":2413.78,"sentiment":"positive","sentiment_score":0.6347653985023498}],"sentiment":"neutral","sentiment_score":0.1692114274235482,"num_words":47,"start":2397.385,"end":2413.78},{"sentences":[{"text":"It just makes life a little easier for your partner at the time of passing.","start":2413.78,"end":2417.56,"sentiment":"positive","sentiment_score":0.49647167523701985},{"text":"Keeping in mind that this is all just put in place in the event of I actually don't want anything to happen to you.","start":2417.86,"end":2423.075,"sentiment":"neutral","sentiment_score":0.24459600433086356},{"text":"I want you to out survive and laugh and enjoy all of your money.","start":2423.075,"end":2426.775,"sentiment":"positive","sentiment_score":0.5389975649969918},{"text":"It's just one of those things that we do make sure we have in the plan and accounting for.","start":2427.715,"end":2432.055,"sentiment":"positive","sentiment_score":0.38488773060472387},{"text":"And a reversionary is something that I do find a lot of people don't think of on a regular basis, and I do like a reversionary beneficiary.","start":2432.45,"end":2439.21,"sentiment":"neutral","sentiment_score":0.29745533013785325}],"sentiment":"positive","sentiment_score":0.36573238320874446,"num_words":99,"start":2413.78,"end":2439.21},{"sentences":[{"text":"It benefits your spouse, makes life easier.","start":2439.21,"end":2441.5098,"sentiment":"positive","sentiment_score":0.5368308765547616},{"text":"And, yeah, it just continues those pension payments so they can continue living in the event that you would have passed away.","start":2442.21,"end":2448.595,"sentiment":"neutral","sentiment_score":0.31981091539968143},{"text":"Okay?","start":2448.655,"end":2449.155,"sentiment":"neutral","sentiment_score":0.12897805869579315},{"text":"Beautiful.","start":2450.4949,"end":2450.9949,"sentiment":"neutral","sentiment_score":0.028291774913668633},{"text":"Now if I can just get you to scroll back up for me, just back up past the income drawdown section, you will see three tables with investment recommendations.","start":2451.055,"end":2464.51,"sentiment":"neutral","sentiment_score":0.03386573111317281}],"sentiment":"neutral","sentiment_score":0.1988838718427966,"num_words":60,"start":2439.21,"end":2464.51},{"sentences":[{"text":"Just let me know when you see those tables.","start":2465.37,"end":2467.47,"sentiment":"neutral","sentiment_score":0.07987437604202165},{"text":"Beautiful.","start":2467.85,"end":2468.35,"sentiment":"positive","sentiment_score":0.6296237707138062},{"text":"Yep.","start":2480.835,"end":2481.335,"sentiment":"neutral","sentiment_score":0.27768123149871826},{"text":"That's the one.","start":2481.5552,"end":2482.5352,"sentiment":"positive","sentiment_score":0.37044666210810345},{"text":"Perfect.","start":2482.915,"end":2483.415,"sentiment":"positive","sentiment_score":0.7439526319503784}],"sentiment":"neutral","sentiment_score":0.23209780032436053,"num_words":15,"start":2465.37,"end":2483.415},{"sentences":[{"text":"So this one here essentially outlines yeah.","start":2483.635,"end":2487.155,"sentiment":"neutral","sentiment_score":0.10888648525412593},{"text":"The yep.","start":2487.155,"end":2491.84,"sentiment":"neutral","sentiment_score":0.027145056519657373},{"text":"So the fee the fee protect projection table is the first one.","start":2491.9,"end":2496.56,"sentiment":"neutral","sentiment_score":0.07423146006961663},{"text":"That's essentially outlining your current Zebra account with your current fees.","start":2496.62,"end":2500.3801,"sentiment":"neutral","sentiment_score":0.09302899986505508},{"text":"It's attached to your current risk profile and the investments there and noting that, you know, this is essentially what you're paying.","start":2500.3801,"end":2507.055,"sentiment":"neutral","sentiment_score":0.0701497755098072}],"sentiment":"neutral","sentiment_score":0.07914605722935111,"num_words":54,"start":2483.635,"end":2507.055},{"sentences":[{"text":"So at the moment, the admin fees are about 1,166.","start":2507.055,"end":2511.135,"sentiment":"neutral","sentiment_score":0.03291505165398121},{"text":"You've got investment fees coming out of the account, your current super balance at the top, and the ongoing service fee there as well, and you're in a growth portfolio.","start":2511.135,"end":2518.995,"sentiment":"neutral","sentiment_score":0.07311916425824165},{"text":"And whilst your return can slightly differ, essentially, when we look at your the portfolio and that you're in and utilize a five year rolling average, it's averaged about 9.62% over the last five years.","start":2519.6,"end":2531.84,"sentiment":"neutral","sentiment_score":0.07845641353300639},{"text":"So it has not been bad in any way, shape, or form.","start":2531.84,"end":2534.82,"sentiment":"neutral","sentiment_score":0.2543303370475769},{"text":"The recommended is essentially showing you the outcome with the recommendations in place.","start":2535.5452,"end":2540.665,"sentiment":"neutral","sentiment_score":0.21925455217178053}],"sentiment":"neutral","sentiment_score":0.11170973140746356,"num_words":100,"start":2507.055,"end":2540.665},{"sentences":[{"text":"So distributing your funds between the two accounts, the accumulation and the pension phase, how the administration fees will look.","start":2540.665,"end":2548.105,"sentiment":"neutral","sentiment_score":0.11751505471765995},{"text":"So you'll have a smaller admin fee within super, but a bit bigger in the pension phase then.","start":2548.105,"end":2553.56,"sentiment":"neutral","sentiment_score":0.0702840153955751},{"text":"So it does mean that overall admin fee for hire.","start":2553.56,"end":2556.2002,"sentiment":"neutral","sentiment_score":0.0027082791551947595},{"text":"Absolutely.","start":2556.2002,"end":2556.7002,"sentiment":"neutral","sentiment_score":0.08567624539136887},{"text":"Yeah.","start":2566.855,"end":2567.355,"sentiment":"neutral","sentiment_score":0.01160817500203848}],"sentiment":"neutral","sentiment_score":0.07479561166837811,"num_words":50,"start":2540.665,"end":2567.355},{"sentences":[{"text":"That is just looking at the portfolio, so that doesn't take into account the administration fees.","start":2570.375,"end":2575.35,"sentiment":"neutral","sentiment_score":-0.00792945823923219},{"text":"That is just inputting all the investments into so we use, like, adviser portals, like Morningstar and Lonestek to tell us how these portfolios have returned averagely over the past five years.","start":2575.4302,"end":2589.4502,"sentiment":"neutral","sentiment_score":0.08291059167822823},{"text":"And that's just showing you the current investment structure should have returned this.","start":2589.915,"end":2594.475,"sentiment":"neutral","sentiment_score":0.058529300471911065},{"text":"Admittedly, it could be different to what your portfolio has received because you've also got money coming and going at different times, so fees coming in and going out.","start":2594.475,"end":2602.62,"sentiment":"neutral","sentiment_score":-0.030832038132538056},{"text":"You've also got, you know, your contributions going in, coming out at different times as well.","start":2603.02,"end":2607.02,"sentiment":"neutral","sentiment_score":-0.021485056495293975}],"sentiment":"neutral","sentiment_score":0.019332627341906838,"num_words":106,"start":2570.375,"end":2607.02},{"sentences":[{"text":"So it does affect the return, but this is just showing you based on research, this is what the average has been for that portfolio over the past five years.","start":2607.02,"end":2615.6,"sentiment":"neutral","sentiment_score":0.020237414414683977},{"text":"And that's kind of what we utilize for how we expect our portfolios to work in the future.","start":2616.165,"end":2621.3052,"sentiment":"neutral","sentiment_score":0.2348585468199518},{"text":"So we're utilizing investment data from the past to show what portfolios are suited and what should be working for you in the future, knowing that it can change, and there's other factors that can change and and affect that as well.","start":2621.445,"end":2633.9102,"sentiment":"neutral","sentiment_score":0.18860258037845293},{"text":"That's why we review the portfolios with you on a regular basis.","start":2633.9102,"end":2637.03,"sentiment":"neutral","sentiment_score":0.12451759167015553},{"text":"Does that make sense?","start":2637.03,"end":2638.09,"sentiment":"neutral","sentiment_score":0.10273738205432892}],"sentiment":"neutral","sentiment_score":0.13831174791843262,"num_words":106,"start":2607.02,"end":2638.09},{"sentences":[{"text":"Yep.","start":2639.35,"end":2639.85,"sentiment":"neutral","sentiment_score":0.3327142894268036},{"text":"Beautiful.","start":2640.1501,"end":2640.6501,"sentiment":"positive","sentiment_score":0.6665263772010803},{"text":"Excellent.","start":2642.595,"end":2643.095,"sentiment":"positive","sentiment_score":0.588222861289978},{"text":"So at the top there, you'll see the two accounts.","start":2643.555,"end":2645.875,"sentiment":"neutral","sentiment_score":0.15794155672192572},{"text":"So the differences column has the first drawdown of 12,500.","start":2645.875,"end":2649.575,"sentiment":"neutral","sentiment_score":0.035321397706866264}],"sentiment":"neutral","sentiment_score":0.15304752487851225,"num_words":23,"start":2639.35,"end":2649.575},{"sentences":[{"text":"That will come out before the end of the financial year, and then you've got your two balances there.","start":2649.875,"end":2654.515,"sentiment":"neutral","sentiment_score":0.06849867968182814},{"text":"So expected after the drawdown should be 237,500 and an accumulation 16,110.","start":2654.515,"end":2662.3198,"sentiment":"neutral","sentiment_score":0.07645818497985601},{"text":"The two administration fees that will be expected to come out of the account on a yearly basis, So it does increase as a whole by that $399.","start":2662.8599,"end":2671.325,"sentiment":"neutral","sentiment_score":0.06207032248909984},{"text":"That's because we're opening the two accounts up.","start":2671.325,"end":2673.665,"sentiment":"neutral","sentiment_score":0.15552418865263462},{"text":"In the back end with Hub twenty four, we could also aggregate the fees.","start":2673.725,"end":2678.125,"sentiment":"neutral","sentiment_score":0.12355012127331325}],"sentiment":"neutral","sentiment_score":0.08556589346241068,"num_words":81,"start":2649.875,"end":2678.125},{"sentences":[{"text":"So we will link the accounts in the back end so that they can try to reduce the fees as much as possible.","start":2678.125,"end":2684.42,"sentiment":"neutral","sentiment_score":0.19740487019652905},{"text":"So we're essentially linking everything in the back end, and Hub twenty four can reduce the fees below that.","start":2684.42,"end":2690.3398,"sentiment":"neutral","sentiment_score":0.18289006579863398},{"text":"That's based on research and what we expect at the moment.","start":2690.3398,"end":2693.96,"sentiment":"neutral","sentiment_score":0.11058515479618852},{"text":"Okay?","start":2694.0999,"end":2694.5999,"sentiment":"neutral","sentiment_score":0.044824521988630295},{"text":"With the investment fees, currently, you're paying 1,247 on a yearly basis.","start":2696.4749,"end":2702.4949,"sentiment":"neutral","sentiment_score":0.01809417993839209}],"sentiment":"neutral","sentiment_score":0.14384264619244883,"num_words":66,"start":2678.125,"end":2702.4949},{"sentences":[{"text":"With the new recommended in the portfolio change, we actually see your investment fees decrease.","start":2702.9548,"end":2708.335,"sentiment":"neutral","sentiment_score":0.14012128710746766},{"text":"So with the recommended change in investment portfolio, we can see and expect your investment fees to save you $769 for the first year.","start":2708.94,"end":2717.2,"sentiment":"positive","sentiment_score":0.33947579252223176},{"text":"Okay?","start":2717.26,"end":2717.76,"sentiment":"neutral","sentiment_score":0.01665755920112133},{"text":"And then the adviser fee, which is a 1.65%, we just have that prorated across both the accounts there for you as well.","start":2719.42,"end":2726.565,"sentiment":"neutral","sentiment_score":0.06878784574244333},{"text":"Okay?","start":2726.7048,"end":2727.2048,"sentiment":"neutral","sentiment_score":0.06194423884153366}],"sentiment":"neutral","sentiment_score":0.1860931340197567,"num_words":64,"start":2702.9548,"end":2727.2048},{"sentences":[{"text":"Excellent.","start":2728.305,"end":2728.805,"sentiment":"positive","sentiment_score":0.7235623002052307},{"text":"Contributions going in, that's the deductible contribution that has been recommended.","start":2729.505,"end":2733.2048,"sentiment":"positive","sentiment_score":0.5007677186619152},{"text":"And then we've also got the monthly withdrawal at $3,000 on a monthly basis being drawn out of the account.","start":2733.585,"end":2739.48,"sentiment":"neutral","sentiment_score":0.3073281466960907},{"text":"Okay?","start":2739.72,"end":2740.22,"sentiment":"neutral","sentiment_score":0.28931310772895813},{"text":"Perfect.","start":2741.56,"end":2742.06,"sentiment":"positive","sentiment_score":0.5922189950942993}],"sentiment":"positive","sentiment_score":0.390003007124452,"num_words":34,"start":2728.305,"end":2742.06},{"sentences":[{"text":"With the underneath there, you'll see there absolutely is.","start":2743.08,"end":2748.54,"sentiment":"neutral","sentiment_score":0.006623351325591407},{"text":"Admin fees are always percentage based, so they are generally quite high.","start":2748.92,"end":2752.6,"sentiment":"neutral","sentiment_score":-0.029631390255720664},{"text":"It's for the administration and for the the platform itself charges.","start":2752.6,"end":2756.355,"sentiment":"neutral","sentiment_score":-0.007775264876809987},{"text":"We try to limit and reduce them as much as possible, but there's no way to get around them.","start":2757.375,"end":2762.895,"sentiment":"neutral","sentiment_score":-0.06670653986695566},{"text":"There's always gonna be admin fees and and things like that that are applied to every platform.","start":2762.895,"end":2767.7952,"sentiment":"neutral","sentiment_score":-0.026850333985160377}],"sentiment":"neutral","sentiment_score":-0.030961387794163516,"num_words":68,"start":2743.08,"end":2767.7952},{"sentences":[{"text":"So yeah.","start":2767.855,"end":2769.7952,"sentiment":"neutral","sentiment_score":0.012790261302143335},{"text":"Yep.","start":2772.34,"end":2772.84,"sentiment":"neutral","sentiment_score":0.03118402324616909},{"text":"It is.","start":2773.3,"end":2774.04,"sentiment":"neutral","sentiment_score":0.03290830738842487},{"text":"Yeah.","start":2774.82,"end":2775.32,"sentiment":"neutral","sentiment_score":0.04538718983530998},{"text":"Yeah.","start":2775.6199,"end":2776.1,"sentiment":"neutral","sentiment_score":0.03310716897249222}],"sentiment":"neutral","sentiment_score":0.028725074205015386,"num_words":7,"start":2767.855,"end":2776.1},{"sentences":[{"text":"Well, when you look at the percentage cost there, as much as it is overall quite large as a dollar figure, it is also reduced as a whole.","start":2776.1,"end":2785.0752,"sentiment":"neutral","sentiment_score":0.030404038494452834},{"text":"So at the moment, the percentage is about 2.59%.","start":2785.0752,"end":2788.695,"sentiment":"neutral","sentiment_score":0.08079781383275986},{"text":"As a whole, we can reduce it down to 2.48.","start":2789.155,"end":2791.7952,"sentiment":"neutral","sentiment_score":0.1396435797214508},{"text":"So we are reducing the overall fee cost.","start":2791.7952,"end":2794.375,"sentiment":"neutral","sentiment_score":0.08217624225653708},{"text":"It's just one of those things that we do have to account for.","start":2794.995,"end":2797.56,"sentiment":"neutral","sentiment_score":0.08814740811402981}],"sentiment":"neutral","sentiment_score":0.07026846239836339,"num_words":68,"start":2776.1,"end":2797.56},{"sentences":[{"text":"There's fees involved with everything, but we wanna make sure everything's working for you, that the fees make sense.","start":2797.56,"end":2803.74,"sentiment":"neutral","sentiment_score":0.14847046979948095},{"text":"I'm a big believer that I'm okay paying fees as long as I know what I'm paying for and as long as I'm getting what I want out of that as well.","start":2803.8801,"end":2810.6802,"sentiment":"neutral","sentiment_score":0.22882003989070654},{"text":"So we'll make sure things are working for you.","start":2810.6802,"end":2813.6548,"sentiment":"positive","sentiment_score":0.3612247241867913},{"text":"You can talk to me as often as you like, and, you know, we can alter and adjust things as we need to as well.","start":2813.6548,"end":2819.335,"sentiment":"neutral","sentiment_score":0.1888184976577759},{"text":"Okay?","start":2819.335,"end":2819.835,"sentiment":"neutral","sentiment_score":0.2016758024692535}],"sentiment":"neutral","sentiment_score":0.2129807088870642,"num_words":86,"start":2797.56,"end":2819.835},{"sentences":[{"text":"Excellent.","start":2822.055,"end":2822.555,"sentiment":"neutral","sentiment_score":0.07124695926904678},{"text":"Now with the portfolio, the investor portfolio, as we kinda talked about, we're reducing your risk level in the market, and we're reducing you back to the balanced growth portfolio, which when I look at the investments and how they have performed over the past year, five year rolling average, has actually performed greater than the growth portfolio you're in at the moment.","start":2823.095,"end":2840.895,"sentiment":"neutral","sentiment_score":0.01935265820828222},{"text":"So we do certainly hope that it can get this kind of return, although we know markets go up and down, and it's not always gonna be the 10.4%.","start":2840.895,"end":2850.0352,"sentiment":"neutral","sentiment_score":0.07826397047731383},{"text":"But the portfolio I'm recommending has averaged this on a yearly basis as per my research.","start":2850.495,"end":2855.26,"sentiment":"neutral","sentiment_score":0.10129109816625714},{"text":"Okay?","start":2855.88,"end":2856.38,"sentiment":"neutral","sentiment_score":0.0818772166967392}],"sentiment":"neutral","sentiment_score":0.047842312341725285,"num_words":110,"start":2822.055,"end":2856.38},{"sentences":[{"text":"Beautiful.","start":2858.2,"end":2858.7,"sentiment":"positive","sentiment_score":0.6157011985778809},{"text":"And now I believe if you just sort of scroll up slightly, you should see the investment recommended accumulation and pension tables there as well.","start":2858.76,"end":2868.3599,"sentiment":"neutral","sentiment_score":0.09150133579969406},{"text":"Can you see those?","start":2868.3599,"end":2869.5798,"sentiment":"neutral","sentiment_score":0.05065615102648735},{"text":"Beautiful.","start":2871.455,"end":2871.955,"sentiment":"positive","sentiment_score":0.4894108176231384},{"text":"This is the actual investments that I'm essentially gonna put you into within the account.","start":2872.335,"end":2877.375,"sentiment":"neutral","sentiment_score":0.2551811307668686}],"sentiment":"neutral","sentiment_score":0.16136928210439888,"num_words":46,"start":2858.2,"end":2877.375},{"sentences":[{"text":"So we're reducing a bit of risk.","start":2877.375,"end":2879.375,"sentiment":"neutral","sentiment_score":0.1643590469445501},{"text":"We're still keeping some of the investments.","start":2879.375,"end":2881.715,"sentiment":"neutral","sentiment_score":0.1812345449413572},{"text":"So you will essentially once we complete the investment switch, we'll see your funds in cybersecurity, some exposure into Europe, so diversification across all 16 European countries, some exposure into the Japanese market there as well, only about 3%.","start":2881.855,"end":2898.825,"sentiment":"neutral","sentiment_score":0.12976055420362032},{"text":"We have the Vanguard all world U x US investments.","start":2899.445,"end":2903.545,"sentiment":"neutral","sentiment_score":0.1401798114180565},{"text":"That's giving you exposure to global investment markets, not just current established markets, but also those up and coming as well.","start":2903.685,"end":2911.945,"sentiment":"neutral","sentiment_score":0.1727230797211329}],"sentiment":"neutral","sentiment_score":0.14891428030317738,"num_words":84,"start":2877.375,"end":2911.945},{"sentences":[{"text":"One of the biggest ways to mitigate market risk is to diversify.","start":2912.09,"end":2915.6301,"sentiment":"neutral","sentiment_score":0.17760088667273521},{"text":"So this is one of the best ways to do so, and the Vanguard investment is low cost, well diversified, and has performed really well.","start":2915.85,"end":2922.97,"sentiment":"positive","sentiment_score":0.40108677983283997},{"text":"So we wanna keep that global exposure for you.","start":2922.97,"end":2925.735,"sentiment":"neutral","sentiment_score":0.28487031989627415},{"text":"You'll also have some exposure in the S and P 500.","start":2926.215,"end":2929.3552,"sentiment":"neutral","sentiment_score":0.07188919931650162},{"text":"I will also have the beta shares a 200, which is giving you access to the top 200 companies on the ASX.","start":2929.5752,"end":2935.915,"sentiment":"neutral","sentiment_score":0.12687445804476738}],"sentiment":"neutral","sentiment_score":0.23169914284084417,"num_words":79,"start":2912.09,"end":2935.915},{"sentences":[{"text":"The S and P 500 gives you exposure into the top 500 companies on The US market.","start":2936.2952,"end":2941.76,"sentiment":"neutral","sentiment_score":0.11089447622790057},{"text":"You'll see some physical gold in there as well.","start":2942.22,"end":2944.7,"sentiment":"neutral","sentiment_score":0.1470530761612786},{"text":"Physical gold has done really well, continues to do really well.","start":2944.7,"end":2948.48,"sentiment":"neutral","sentiment_score":0.32966551049189136},{"text":"It's growth in nature, but it's also defensive at times as well, so it works both ways.","start":2948.54,"end":2953.4402,"sentiment":"neutral","sentiment_score":0.24006496851935105},{"text":"And we wanna see about 10% of your portfolio in that.","start":2953.765,"end":2956.905,"sentiment":"neutral","sentiment_score":0.07450091635639017}],"sentiment":"neutral","sentiment_score":0.18054798371516742,"num_words":65,"start":2936.2952,"end":2956.905},{"sentences":[{"text":"Defensive low risk investments, we wanna see core composite bonds.","start":2957.525,"end":2961.385,"sentiment":"neutral","sentiment_score":0.1415533885359764},{"text":"So bonds are really great.","start":2961.445,"end":2963.145,"sentiment":"positive","sentiment_score":0.7077184677124023},{"text":"The core composite bond exposure here gives you access to exchange traded funds that provide exposure into the Australian bond market.","start":2963.525,"end":2972.14,"sentiment":"positive","sentiment_score":0.39293008191244944},{"text":"So looking at bond markets, not just long term, but short term as well.","start":2972.14,"end":2976.16,"sentiment":"neutral","sentiment_score":0.2720594193254198},{"text":"And bonds are really good for income producing.","start":2976.6199,"end":2978.72,"sentiment":"positive","sentiment_score":0.6870192214846611}],"sentiment":"positive","sentiment_score":0.38811454459511,"num_words":58,"start":2957.525,"end":2978.72},{"sentences":[{"text":"So they pay dividend or coupon payments, which are paid into your super and your pension account, and then we can have those redistributed into the portfolio.","start":2978.78,"end":2987.215,"sentiment":"positive","sentiment_score":0.4535849425527785},{"text":"For compounding in your pension account, they'll also help to draw down your regular pension payments as well.","start":2987.2751,"end":2992.5552,"sentiment":"positive","sentiment_score":0.40219177967972225},{"text":"Okay?","start":2992.5552,"end":2993.0552,"sentiment":"positive","sentiment_score":0.4090876877307892},{"text":"And the other thing we talked about was looking at a bit of defensive protection as well.","start":2994.7,"end":2999.82,"sentiment":"neutral","sentiment_score":0.14386663235285702},{"text":"So one of the things we have been hearing from the local economists is that we know inflation has been high within Australia, and they are expecting it to remain high moving forward as well for the next few months, possibly even longer.","start":2999.82,"end":3013.195,"sentiment":"neutral","sentiment_score":0.11011244625199673}],"sentiment":"neutral","sentiment_score":0.25543302933703055,"num_words":106,"start":2978.78,"end":3013.195},{"sentences":[{"text":"So I've also got in here the IRS government inflation ETF.","start":3013.7349,"end":3017.275,"sentiment":"neutral","sentiment_score":0.06249912591143088},{"text":"This is bond, and these are inflation protected bonds.","start":3017.415,"end":3020.295,"sentiment":"neutral","sentiment_score":0.05639078964789709},{"text":"Because one of the big things is when inflation is very high, a fixed interest like bonds, they are affected.","start":3020.295,"end":3027.8,"sentiment":"neutral","sentiment_score":-0.0017352359369397163},{"text":"They don't get returns that meet those sorts of high inflationary pressures, and the bond market actually sees a bit of a decrease.","start":3027.86,"end":3035.96,"sentiment":"neutral","sentiment_score":-0.03903706760510155},{"text":"So by including the government inflation bonds, this is giving you access to, essentially, Australian government bonds designed to protect your investment against inflation.","start":3036.525,"end":3047.345,"sentiment":"neutral","sentiment_score":0.1141411205753684}],"sentiment":"neutral","sentiment_score":0.0345038748506842,"num_words":87,"start":3013.7349,"end":3047.345},{"sentences":[{"text":"So, these sorts of investments having half in core composite, half in the government bonds means that when inflation's higher, you've got that inflation protection in the bond area, which means you still should expect really good returns.","start":3047.565,"end":3060.8499,"sentiment":"neutral","sentiment_score":0.2546074674709847},{"text":"But then also when inflation's lower, not having all in the court in the government place and bonds having some core composite means that those other ones will see higher growth in the times when inflation's a bit lower.","start":3061.23,"end":3072.935,"sentiment":"neutral","sentiment_score":0.09598804570925541},{"text":"So it's about having defensive assets, but also giving you some defensive protection based on where we see the country going at the moment with inflationary pressures.","start":3072.935,"end":3081.99,"sentiment":"neutral","sentiment_score":0.11891201483430686},{"text":"Does that make sense?","start":3081.99,"end":3083.0498,"sentiment":"neutral","sentiment_score":0.10270968452095985},{"text":"Yep.","start":3084.3098,"end":3084.8098,"sentiment":"neutral","sentiment_score":0.18980127573013303}],"sentiment":"neutral","sentiment_score":0.1580723115678774,"num_words":109,"start":3047.565,"end":3084.8098},{"sentences":[{"text":"Beautiful.","start":3085.3499,"end":3085.8499,"sentiment":"positive","sentiment_score":0.5389333963394165},{"text":"So that's essentially how you'll see things.","start":3086.5498,"end":3088.65,"sentiment":"neutral","sentiment_score":0.1710371779544013},{"text":"As I kinda mentioned before, we'll open the pension account first.","start":3088.71,"end":3092.73,"sentiment":"neutral","sentiment_score":0.07138956541364844},{"text":"We'll do the drawdown first of the December, and then we'll do the switch on the investment.","start":3093.225,"end":3099.0051,"sentiment":"neutral","sentiment_score":0.06656547285178128},{"text":"The reason I'm doing it that way is because we'll split your money up so you'll only have the 16,000 sitting in the accumulation account and the rest in the pension account.","start":3099.385,"end":3108.445,"sentiment":"neutral","sentiment_score":0.1749330093152821}],"sentiment":"neutral","sentiment_score":0.1360433558549951,"num_words":68,"start":3085.3499,"end":3108.445},{"sentences":[{"text":"By doing the investment switch after we've opened the pension account, it means that only the money in the super account in the accumulation side is gonna be affected by CGT.","start":3108.74,"end":3118.1199,"sentiment":"neutral","sentiment_score":0.1904919544054616},{"text":"So when we switch investments within the pension phase, because there's no tax consequences, there's no CGT consequences either.","start":3118.5798,"end":3123.0999,"sentiment":"neutral","sentiment_score":0.19232189812158285},{"text":"So it means that you will save, either.","start":3123.0999,"end":3125.525,"sentiment":"positive","sentiment_score":0.4190750904381275},{"text":"So it means that you will save on tax within the super system, and you'll have more money after we complete the switch there as well.","start":3125.825,"end":3134.865,"sentiment":"positive","sentiment_score":0.5270556154159399},{"text":"Does that make sense?","start":3134.865,"end":3136.005,"sentiment":"neutral","sentiment_score":0.19644756615161896}],"sentiment":"neutral","sentiment_score":0.3113773140886968,"num_words":88,"start":3108.74,"end":3136.005},{"sentences":[{"text":"Yep.","start":3137.31,"end":3137.6301,"sentiment":"neutral","sentiment_score":0.1281975358724594},{"text":"Do you have any questions?","start":3137.6301,"end":3138.83,"sentiment":"neutral","sentiment_score":0.06475406289100646},{"text":"You're welcome to ask me anything you like.","start":3138.83,"end":3140.6702,"sentiment":"neutral","sentiment_score":0.206466865260154},{"text":"I know it can be a lot to go through.","start":3140.6702,"end":3142.77,"sentiment":"neutral","sentiment_score":-0.017260194197297095},{"text":"That's absolutely fine.","start":3148.1902,"end":3149.47,"sentiment":"positive","sentiment_score":0.4631460905075073}],"sentiment":"neutral","sentiment_score":0.12298292970215832,"num_words":27,"start":3137.31,"end":3149.47},{"sentences":[{"text":"That is essentially all I needed to go I needed to go through with you.","start":3149.47,"end":3152.345,"sentiment":"neutral","sentiment_score":0.2976277728875478},{"text":"I know it can be a lot, and I thank you so much for holding on to that one.","start":3152.345,"end":3156.125,"sentiment":"positive","sentiment_score":0.48761267646362905},{"text":"I did sorta have a look back, and, essentially, with the overall CGT cost, we do expect them to be about we've averaged them out of that $1,600 it will be lower because we're moving money into pension phase first.","start":3156.665,"end":3170.02,"sentiment":"neutral","sentiment_score":0.23738546296954155},{"text":"But I've outlined all of that in the advice document for you.","start":3170.72,"end":3173.76,"sentiment":"neutral","sentiment_score":0.329094131787618},{"text":"This, you know, essentially puts you in a better position.","start":3173.76,"end":3176.4202,"sentiment":"positive","sentiment_score":0.5345569372177124}],"sentiment":"positive","sentiment_score":0.33874140540137887,"num_words":96,"start":3149.47,"end":3176.4202},{"sentences":[{"text":"It's a lower risk investment.","start":3176.96,"end":3178.26,"sentiment":"positive","sentiment_score":0.37757205963134766},{"text":"It's got inflationary money down on a regular basis.","start":3178.32,"end":3183.205,"sentiment":"positive","sentiment_score":0.3888430959648556},{"text":"You will hold the two accounts that are open.","start":3183.665,"end":3185.5051,"sentiment":"positive","sentiment_score":0.36434715323978},{"text":"You can be putting money in and still building up your super whilst drawing down in a tax free environment and making sure we claim the notice of intent there for you as well.","start":3185.5051,"end":3195.0251,"sentiment":"positive","sentiment_score":0.3915952505434261},{"text":"So over as a whole, the strategy works to support your ongoing living expenses needs as well as providing additional growth there and lowering your overall risk of your portfolio.","start":3195.0251,"end":3207.42,"sentiment":"positive","sentiment_score":0.4844439218441645}],"sentiment":"positive","sentiment_score":0.4197026289057458,"num_words":87,"start":3176.96,"end":3207.42},{"sentences":[{"text":"Does that make sense?","start":3207.72,"end":3208.8599,"sentiment":"neutral","sentiment_score":0.3033907040953636},{"text":"Yeah.","start":3210.615,"end":3211.115,"sentiment":"neutral","sentiment_score":0.09198054671287537},{"text":"Beautiful.","start":3211.255,"end":3211.755,"sentiment":"positive","sentiment_score":0.4003259539604187},{"text":"All good.","start":3213.015,"end":3213.655,"sentiment":"positive","sentiment_score":0.5569296479225159},{"text":"Look.","start":3213.655,"end":3213.895,"sentiment":"neutral","sentiment_score":0.22875061631202695}],"sentiment":"positive","sentiment_score":0.3387199143568675,"num_words":9,"start":3207.72,"end":3213.895},{"sentences":[{"text":"I will let you go to read that over as you need to.","start":3213.895,"end":3217.335,"sentiment":"neutral","sentiment_score":0.13056805214056602},{"text":"Let me know if there is any additional questions.","start":3217.335,"end":3219.835,"sentiment":"neutral","sentiment_score":0.03698679535753197},{"text":"That's absolutely fine.","start":3220.455,"end":3222.075,"sentiment":"positive","sentiment_score":0.3771057724952698},{"text":"All I'd probably ask is that if you wanna take on the recommendations, because we are so close to the end of the financial year, if we can have that sign of return before yeah.","start":3222.455,"end":3231.08,"sentiment":"neutral","sentiment_score":0.07045410562838827},{"text":"Just so we can get everything started for you, and I'll make sure my team knows that this is very time sensitive to get this moving ASAP.","start":3231.22,"end":3237.8,"sentiment":"neutral","sentiment_score":0.07942779638149121}],"sentiment":"neutral","sentiment_score":0.08933364773361847,"num_words":87,"start":3213.895,"end":3237.8},{"sentences":[{"text":"I'm also gonna send you a separate email shortly.","start":3239.025,"end":3241.425,"sentiment":"neutral","sentiment_score":0.04866023610035578},{"text":"I have some supporting documents to send through.","start":3241.425,"end":3243.505,"sentiment":"neutral","sentiment_score":0.03930046106688678},{"text":"It's just that they wouldn't attach to that because it was quite a big document.","start":3243.505,"end":3246.805,"sentiment":"neutral","sentiment_score":0.016158163485427698},{"text":"So I'm gonna send a separate email with part of the statement, our financial services guide, and the appendix for you to also review as additional material if you're interested.","start":3247.425,"end":3256.51,"sentiment":"neutral","sentiment_score":0.09107595384120941},{"text":"And, like, as you when you've got time to read it over, let me know if there's any questions that come out of it.","start":3257.37,"end":3262.97,"sentiment":"neutral","sentiment_score":0.1971746739000082}],"sentiment":"neutral","sentiment_score":0.098362663425072,"num_words":86,"start":3239.025,"end":3262.97},{"sentences":[{"text":"Happy to answer anything you like.","start":3262.97,"end":3264.4102,"sentiment":"positive","sentiment_score":0.47290084262688953},{"text":"You could email me or call me, and I'll make time.","start":3264.4102,"end":3266.83,"sentiment":"neutral","sentiment_score":0.28702278570695355},{"text":"But, yeah, I'm looking forward to it.","start":3267.195,"end":3268.955,"sentiment":"positive","sentiment_score":0.541668061699186},{"text":"I really appreciate putting this together for you.","start":3268.955,"end":3270.7952,"sentiment":"positive","sentiment_score":0.6726190894842148},{"text":"I've really enjoyed doing the research and putting it together, and I know it's a lot to go through, but I thank you for bearing with me.","start":3270.7952,"end":3276.735,"sentiment":"positive","sentiment_score":0.43167090305575617}],"sentiment":"positive","sentiment_score":0.45461693608154685,"num_words":59,"start":3262.97,"end":3276.735},{"sentences":[{"text":"Okay.","start":3281.91,"end":3282.41,"sentiment":"neutral","sentiment_score":0.01860169507563114},{"text":"It's honestly all good.","start":3283.19,"end":3284.71,"sentiment":"neutral","sentiment_score":0.19454330205917358},{"text":"It's all good.","start":3284.71,"end":3285.51,"sentiment":"neutral","sentiment_score":0.28755688667297363},{"text":"I'm actually really disappointed in my body.","start":3285.51,"end":3287.43,"sentiment":"negative","sentiment_score":-0.7715033718517849},{"text":"I was just like, no.","start":3287.43,"end":3288.71,"sentiment":"negative","sentiment_score":-0.6721994519233704}],"sentiment":"negative","sentiment_score":-0.355103764962405,"num_words":20,"start":3281.91,"end":3288.71},{"sentences":[{"text":"This is horrible.","start":3288.71,"end":3289.61,"sentiment":"negative","sentiment_score":-0.8111507693926493},{"text":"I can't have my body falling apart at the end of June.","start":3289.67,"end":3292.6301,"sentiment":"negative","sentiment_score":-0.6750083069006602},{"text":"It's a really inconvenient time.","start":3292.6301,"end":3294.405,"sentiment":"negative","sentiment_score":-0.7152410864830017},{"text":"So no.","start":3296.885,"end":3297.285,"sentiment":"negative","sentiment_score":-0.3902261406183243},{"text":"All good.","start":3297.285,"end":3297.605,"sentiment":"neutral","sentiment_score":-0.2298993542790413}],"sentiment":"negative","sentiment_score":-0.6395836838831505,"num_words":24,"start":3288.71,"end":3297.605},{"sentences":[{"text":"And, look, I'm off over the weekend anyway, so my body will have time to recover.","start":3297.605,"end":3302.325,"sentiment":"neutral","sentiment_score":-0.11405733926221728},{"text":"I just needed to have enough downtime to make it so I could get out of bed and kind of get this sorted for you.","start":3302.325,"end":3309.22,"sentiment":"neutral","sentiment_score":-0.054788811653852465},{"text":"And I really wanted to have it done before the end of today, and I'm so sorry that I rescheduled yesterday.","start":3309.22,"end":3314.02,"sentiment":"neutral","sentiment_score":-0.03387716873770669},{"text":"It was not preferable, and I hated doing it.","start":3314.02,"end":3316.18,"sentiment":"negative","sentiment_score":-0.6509423388375176},{"text":"I just didn't want you to have half a document.","start":3316.18,"end":3318.2798,"sentiment":"negative","sentiment_score":-0.39459435641765594}],"sentiment":"neutral","sentiment_score":-0.1692652207005907,"num_words":81,"start":3297.605,"end":3318.2798},{"sentences":[{"text":"I wanted to make sure it was right for you.","start":3318.5,"end":3320.5798,"sentiment":"neutral","sentiment_score":0.0010086312890052796},{"text":"So yeah.","start":3320.5798,"end":3321.5598,"sentiment":"neutral","sentiment_score":0.19962447881698608},{"text":"Oh, my pleasure.","start":3324.8052,"end":3325.705,"sentiment":"positive","sentiment_score":0.4279267092545827},{"text":"Oh, thank you so much, Catherine.","start":3328.5652,"end":3330.405,"sentiment":"positive","sentiment_score":0.6661917269229889},{"text":"I'll let you go.","start":3330.405,"end":3331.125,"sentiment":"positive","sentiment_score":0.6376516073942184}],"sentiment":"neutral","sentiment_score":0.3296348875761032,"num_words":25,"start":3318.5,"end":3331.125},{"sentences":[{"text":"I hope you have a good day.","start":3331.125,"end":3332.665,"sentiment":"positive","sentiment_score":0.6879638433456421},{"text":"I hope not.","start":3337.69,"end":3338.49,"sentiment":"neutral","sentiment_score":-0.015340618789196014},{"text":"You too.","start":3338.49,"end":3338.97,"sentiment":"neutral","sentiment_score":0.1478288322687149},{"text":"I had a downtime.","start":3338.97,"end":3339.87,"sentiment":"neutral","sentiment_score":0.12311056535691023},{"text":"Absolutely.","start":3340.1702,"end":3340.6702,"sentiment":"positive","sentiment_score":0.3397480249404907}],"sentiment":"positive","sentiment_score":0.3469160587033805,"num_words":17,"start":3331.125,"end":3340.6702},{"sentences":[{"text":"Oh, my pleasure.","start":3343.45,"end":3345.69,"sentiment":"positive","sentiment_score":0.6933574279149374},{"text":"Have a great day.","start":3345.69,"end":3346.57,"sentiment":"positive","sentiment_score":0.7728466391563416},{"text":"Say hi to Greg for me, and enjoy the rest of your week.","start":3346.57,"end":3349.79,"sentiment":"positive","sentiment_score":0.6432609558105469},{"text":"I will.","start":3352.2952,"end":3352.955,"sentiment":"positive","sentiment_score":0.36879225075244904},{"text":"Thank you so much.","start":3353.175,"end":3354.475,"sentiment":"positive","sentiment_score":0.6066773533821106}],"sentiment":"positive","sentiment_score":0.6422363531131011,"num_words":26,"start":3343.45,"end":3354.475},{"sentences":[{"text":"I'll talk to you soon.","start":3354.5352,"end":3355.5752,"sentiment":"positive","sentiment_score":0.3585133731365204},{"text":"See you later.","start":3355.5752,"end":3356.3152,"sentiment":"neutral","sentiment_score":0.3201417525609334},{"text":"Bye.","start":3356.455,"end":3356.955,"sentiment":"neutral","sentiment_score":0.175929993391037}],"sentiment":"neutral","sentiment_score":0.3254357907507155,"num_words":9,"start":3354.5352,"end":3356.955}]}}]},{"alternatives":[{"transcript":"Hi, Dana. I've got Catherine Seba on the phone. All good. Have you received an email from the witness? No. I might give them a call and let them know that we haven't received the email. Yeah. I just feel maybe they've taken down our email wrong. Oh god. Yeah. For sure. Beautiful. You've got Catherine in 321. I'm so sorry. They were trying to take blood. I got here early, and they couldn't find a vein, and I'm like, oh. How are you more importantly? No problem. No problem at all. As long as long as you're feeling better. Yeah. That's end of financial year. What else do you expect? Yeah. I I can, but I don't I brought my sunglasses, not my bloody other glasses, and Greg just Greg was supposed to just wait outside and pick me up, but he's obviously gone to get the phone changed because he sounded like he was Ethan. Yeah. I have got I have got access to my email. Yeah. Yeah. No. I should yeah. No. Well, I'm seeing this so I'm I'll they sort of in front of me. It has a moment, doesn't it? Right when it works. Yeah. It's interesting. It's busy. Yeah. We we we really haven't had much time to ourselves, but we've done one. We went to the, Bundy facility. Apart from that, we've been to the shop. That's it. We've been here three weeks. So but, you know, it's rather busy. Okay. Greg alright. Greg's just pulling up, so I'm just getting in the car. So that's all good. Hello? I've just got Dana on the phone. So is it from Christie? Okay. That's right. That's right. I have it. So advise me attach statement. Yeah. Here we go. Yes. I do now. Brilliant. Oh, alright. Just with the 3 thousand per month, that that we can change that at any time, can't we? Tomorrow or whatever. Yep. Yep. What's the contribution kit? Okay. Yep. Yeah. Yep. Okay. Thank you. Yeah. I'm really struggling to see this on my phone, but yeah. So I am about I I'm about one minute from my computer. So do you mind staying on the line, or do you want me to ring you back? Cool. Because I think that will make life a little easier for both of us, And I can actually see it. I even know I can thank you. Very good. Driveway. I don't remember where I put my capillary at. You know, we're literally, you know, making the most of everything at the moment. And if this isn't working on the road, then nothing is. I'm I'm literally doing it at the minute. Today, it's 19 degrees at the moment. It's probably the greatest day we've had. They've been threatening rain for about two weeks, and we've had one sort of shower, and that's all we got. It's it's been windy, but, no, temperature is not bad at all. Yeah. You've you've had lots of rain down there? Yeah. Alright. Still pretty green up here too even though there hasn't been much, but because we've just had enough, I think we'll get some today. It looks a bit grayer today than normal. I have to wait for Greg to grab the keys so that I can get in. No. Not really at all, really. But Greg's got had a few jobs that he's wanted to get done on this van, which has been frustrating, but at least he's reaching his way through. But, yeah, it's sort of pretty busy. We we play Tic Tac a little bit, and we'll go out and do the shops, and I'll look after the site. And we I think we had 10 people come in yesterday. So and then then there's a lot of people that they've got nothing better to do, but they wanna check. And you're like, oh, there's other things I wanna do. Anyway, we did make it to the distillery, so that was important. You can't be in Bundaberg without a trip to the distillery. Yep. Yes. It is actually. And the gin distillery is also worth a visit. And that's that one's actually free. And they still give you a couple of places. And it's really nice. Yeah. But so oh. Right. Alright. I have lights. I have a computer. I'm logged on. Let me know what you think. No. I don't want to update my browser. It just seems so slow when I haven't got someone waiting for me. I just don't even know what it's doing. The the Gmail is just going in and the vehicle and I don't want to go into Dropbox. Oh, thank you. You're still on the phone. Yep. I can't even get in yet. One don't know what this is. Okay. Plan b. Pickup. Okay. What page am I missing? Alright. It's just just the wheel keeps tuning in. Yeah. I'm gonna just try and go in again. Instant? Okay. I don't see the cheese in place. Cheese? Yep. Alright. It's looking a bit better, but it's taking a little while to load, but something's coming through now. Taking a long time. Page 13. Yeah. I've got my proper glasses on. I can probably see it on my phone. Alright. 15. The heating balance growth. Is that right? Yes. Yes. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. Mhmm. Oh, yeah. Okay. It's under control. Yeah. Perfect. Mhmm. Yep. Mhmm. So do we set that up as a an automatic monthly thing or do I just yeah. Okay. That's right. Yes. Yeah. Yep. Yep. Cool. Yes. Mhmm. Yep. Yeah. Excellent. Okay. Sorry. What page are you on? Current investment superannuation. Recommended investment pension account. I've gone too far here. I expect Must have gone too far. Yeah. Yeah. Gotta leave recommendation. Here we go. '20 06/27, or '20 25 26 we're looking at. Is that right? Okay. That's page 14. Yeah. That's right. Yeah. Yep. Yeah. Yeah. Probably the first Monday of the month would be the best. Hello? Yep. Yeah. Oh, one thing one question I have. So when I did the 5,000, I get confused whether it's a concessional or a so what is the correct account name? Like, what do you call yeah. Because there's yeah. Okay. Yep. Yes. So we pay the tax at the end of the year. Yeah. Okay. Now I get it. Alright. That's alright. Yeah. Yep. No. I've got that now. Yeah. Yep. Yeah. Yeah. Mhmm. Yep. Mhmm. Yep. Yep. Sometimes it's a very small size. Yeah. Yeah. Mhmm. So that's based on oh, I think I'm on a different page, but I'm I'm on projected income stream. Is that right? Projected in income stream. I've gone too far, I think. Yep. Yeah. Okay. That's alright. So yeah. I mean, obviously, that would be different because we would sell houses before we reach that age. Yeah. Yeah. Yeah. Yeah. Because I think since we were looking at buying another property, but I think my research has sort of indicated that it would probably be better not to. It would probably be better to rent just for somebody to put the caravan and stuff in the short term. But anyway no. It's good. It's excellent, actually. So we go into the outcomes, the advantages, and disadvantages, obviously, of that particular table. And if I keep going, then I get to we recommend that you establish beneficiary nominations on your hub account pension. Yep. So that's Yeah. Yep. Okay. Yeah. Yeah. Alright. And the cost of living on his own is cheap, you know, on his own is because it's because it's because it's it's living with me. Yeah. So when you say it doesn't stop, so if the money runs out, that doesn't matter. Yes. It does stop. Yeah. Yep. No. No. No. That makes sense. Yep. Yep. Yes. That's what I thought. Yep. Nope. Carry on. Yep. Nope. Got it. No. Yeah. Mhmm. Yes. I still does. So this one. So the first one is superannuation fee projection table. Excellent. Oh, there's one above that too. Oh, no. We've got we just the recommended investment accumulation account. Can I ask you a question? When you say the average interest was between nine and nine point whatever it was. Is that after admin fees? Okay. So that's Yep. Yep. Yep. Yeah. Yep. Yep. Got it. Yep. Yep. Mhmm. Mhmm. Mhmm. Quite a lot of admin fees, isn't it? Yeah. I yeah. Yep. Yep. Oh, it's just here when you fill in. It's add up the add money investment and the adviser. It's quite a lot. But anyway, that's alright. It is what it is. Alright. Yeah. Yeah. Yeah. Mhmm. Mhmm. Very good. Yep. Excellent. Oh. Yep. Mhmm. Yep. Yep. Very good. I got yep. Yep. Yep. I'm gonna get that. Yeah. Yep. Alright. I think I've I've I've I've probably outreached my maximum this morning. Yeah. Wonderful. Right? That makes sense to me. It might be a tomorrow job. Yeah. I'll I'll sign it today, but I'll yeah. Yeah. Yep. Oh, I I appreciate you doing it whilst you're probably feeling like crap. Alright. I I appreciate all of your effort. Thank you very much. And I shall get this signed and back to you and move forward. Thanks. I hope you're not too busy today. Alright. Thanks, Donna. Enjoy your weekend and rest up. Alrighty. Okay. Thanks. 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Dana. I've got Catherine Seba on the phone. All good. Have you received an email from the witness? No.\n\nI might give them a call and let them know that we haven't received the email. Yeah. I just feel maybe they've taken down our email wrong. Oh god. Yeah.\n\nFor sure. Beautiful. You've got Catherine in 321. I'm so sorry. They were trying to take blood.\n\nI got here early, and they couldn't find a vein, and I'm like, oh. How are you more importantly? No problem. No problem at all. As long as long as you're feeling better.\n\nYeah. That's end of financial year. What else do you expect? Yeah. I I can, but I don't I brought my sunglasses, not my bloody other glasses, and Greg just Greg was supposed to just wait outside and pick me up, but he's obviously gone to get the phone changed because he sounded like he was Ethan.\n\nYeah. I have got I have got access to my email. Yeah. Yeah. No.\n\nI should yeah. No. Well, I'm seeing this so I'm I'll they sort of in front of me. It has a moment, doesn't it? Right when it works.\n\nYeah. It's interesting. It's busy. Yeah. We we we really haven't had much time to ourselves, but we've done one.\n\nWe went to the, Bundy facility. Apart from that, we've been to the shop. That's it. We've been here three weeks. So but, you know, it's rather busy.\n\nOkay. Greg alright. Greg's just pulling up, so I'm just getting in the car. So that's all good. Hello?\n\nI've just got Dana on the phone. So is it from Christie? Okay. That's right. That's right.\n\nI have it. So advise me attach statement. Yeah. Here we go. Yes.\n\nI do now. Brilliant. Oh, alright. Just with the 3 thousand per month, that that we can change that at any time, can't we? Tomorrow or whatever.\n\nYep. Yep. What's the contribution kit? Okay. Yep.\n\nYeah. Yep. Okay. Thank you. Yeah.\n\nI'm really struggling to see this on my phone, but yeah. So I am about I I'm about one minute from my computer. So do you mind staying on the line, or do you want me to ring you back? Cool. Because I think that will make life a little easier for both of us, And I can actually see it.\n\nI even know I can thank you. Very good. Driveway. I don't remember where I put my capillary at. You know, we're literally, you know, making the most of everything at the moment.\n\nAnd if this isn't working on the road, then nothing is. I'm I'm literally doing it at the minute. Today, it's 19 degrees at the moment. It's probably the greatest day we've had. They've been threatening rain for about two weeks, and we've had one sort of shower, and that's all we got.\n\nIt's it's been windy, but, no, temperature is not bad at all. Yeah. You've you've had lots of rain down there? Yeah. Alright.\n\nStill pretty green up here too even though there hasn't been much, but because we've just had enough, I think we'll get some today. It looks a bit grayer today than normal. I have to wait for Greg to grab the keys so that I can get in. No. Not really at all, really.\n\nBut Greg's got had a few jobs that he's wanted to get done on this van, which has been frustrating, but at least he's reaching his way through. But, yeah, it's sort of pretty busy. We we play Tic Tac a little bit, and we'll go out and do the shops, and I'll look after the site. And we I think we had 10 people come in yesterday. So and then then there's a lot of people that they've got nothing better to do, but they wanna check.\n\nAnd you're like, oh, there's other things I wanna do. Anyway, we did make it to the distillery, so that was important. You can't be in Bundaberg without a trip to the distillery. Yep. Yes.\n\nIt is actually. And the gin distillery is also worth a visit. And that's that one's actually free. And they still give you a couple of places. And it's really nice.\n\nYeah. But so oh. Right. Alright. I have lights.\n\nI have a computer. I'm logged on. Let me know what you think. No. I don't want to update my browser.\n\nIt just seems so slow when I haven't got someone waiting for me. I just don't even know what it's doing. The the Gmail is just going in and the vehicle and I don't want to go into Dropbox. Oh, thank you. You're still on the phone.\n\nYep. I can't even get in yet. One don't know what this is. Okay. Plan b.\n\nPickup. Okay. What page am I missing? Alright. It's just just the wheel keeps tuning in.\n\nYeah. I'm gonna just try and go in again. Instant? Okay. I don't see the cheese in place.\n\nCheese? Yep. Alright. It's looking a bit better, but it's taking a little while to load, but something's coming through now. Taking a long time.\n\nPage 13. Yeah. I've got my proper glasses on. I can probably see it on my phone. Alright.\n\n15. The heating balance growth. Is that right? Yes. Yes.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Yeah. Mhmm. Oh, yeah. Okay.\n\nIt's under control. Yeah. Perfect. Mhmm. Yep.\n\nMhmm. So do we set that up as a an automatic monthly thing or do I just yeah. Okay. That's right. Yes.\n\nYeah. Yep. Yep. Cool. Yes.\n\nMhmm. Yep. Yeah. Excellent. Okay.\n\nSorry. What page are you on? Current investment superannuation. Recommended investment pension account. I've gone too far here.\n\nI expect Must have gone too far. Yeah. Yeah. Gotta leave recommendation. Here we go.\n\n'20 06/27, or '20 25 26 we're looking at. Is that right? Okay. That's page 14. Yeah.\n\nThat's right. Yeah. Yep. Yeah. Yeah.\n\nProbably the first Monday of the month would be the best. Hello? Yep. Yeah. Oh, one thing one question I have.\n\nSo when I did the 5,000, I get confused whether it's a concessional or a so what is the correct account name? Like, what do you call yeah. Because there's yeah. Okay. Yep.\n\nYes. So we pay the tax at the end of the year. Yeah. Okay. Now I get it.\n\nAlright. That's alright. Yeah. Yep. No.\n\nI've got that now. Yeah. Yep. Yeah. Yeah.\n\nMhmm. Yep. Mhmm. Yep. Yep.\n\nSometimes it's a very small size. Yeah. Yeah. Mhmm. So that's based on oh, I think I'm on a different page, but I'm I'm on projected income stream.\n\nIs that right? Projected in income stream. I've gone too far, I think. Yep. Yeah.\n\nOkay. That's alright. So yeah. I mean, obviously, that would be different because we would sell houses before we reach that age. Yeah.\n\nYeah. Yeah. Yeah. Because I think since we were looking at buying another property, but I think my research has sort of indicated that it would probably be better not to. It would probably be better to rent just for somebody to put the caravan and stuff in the short term.\n\nBut anyway no. It's good. It's excellent, actually. So we go into the outcomes, the advantages, and disadvantages, obviously, of that particular table. And if I keep going, then I get to we recommend that you establish beneficiary nominations on your hub account pension.\n\nYep. So that's Yeah. Yep. Okay. Yeah.\n\nYeah. Alright. And the cost of living on his own is cheap, you know, on his own is because it's because it's because it's it's living with me. Yeah. So when you say it doesn't stop, so if the money runs out, that doesn't matter.\n\nYes. It does stop. Yeah. Yep. No.\n\nNo. No. That makes sense. Yep. Yep.\n\nYes. That's what I thought. Yep. Nope. Carry on.\n\nYep. Nope. Got it. No. Yeah.\n\nMhmm. Yes. I still does. So this one. So the first one is superannuation fee projection table.\n\nExcellent. Oh, there's one above that too. Oh, no. We've got we just the recommended investment accumulation account. Can I ask you a question?\n\nWhen you say the average interest was between nine and nine point whatever it was. Is that after admin fees? Okay. So that's Yep. Yep.\n\nYep. Yeah. Yep. Yep. Got it.\n\nYep. Yep. Mhmm. Mhmm. Mhmm.\n\nQuite a lot of admin fees, isn't it? Yeah. I yeah. Yep. Yep.\n\nOh, it's just here when you fill in. It's add up the add money investment and the adviser. It's quite a lot. But anyway, that's alright. It is what it is.\n\nAlright. Yeah. Yeah. Yeah. Mhmm.\n\nMhmm. Very good. Yep. Excellent. Oh.\n\nYep. Mhmm. Yep. Yep. Very good.\n\nI got yep. Yep. Yep. I'm gonna get that. Yeah.\n\nYep. Alright. I think I've I've I've I've probably outreached my maximum this morning. Yeah. Wonderful.\n\nRight? That makes sense to me. It might be a tomorrow job. Yeah. I'll I'll sign it today, but I'll yeah.\n\nYeah. Yep. Oh, I I appreciate you doing it whilst you're probably feeling like crap. Alright. I I appreciate all of your effort.\n\nThank you very much. And I shall get this signed and back to you and move forward. Thanks. I hope you're not too busy today. Alright.\n\nThanks, Donna. Enjoy your weekend and rest up. Alrighty. Okay. Thanks.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.07980260625481606},{"text":"I've got Catherine Seba on the phone.","start":3.76,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.14789953934294836},{"text":"All good.","start":11.92,"end":12.66,"sentiment":"neutral","sentiment_score":0.16564258188009262},{"text":"Have you received an email from the witness?","start":20.315,"end":22.415,"sentiment":"neutral","sentiment_score":-0.022764549707062542},{"text":"No.","start":26.73,"end":27.23,"sentiment":"neutral","sentiment_score":-0.1644746959209442}],"sentiment":"neutral","sentiment_score":0.05897980290465057,"num_words":20,"start":3.04,"end":27.23},{"sentences":[{"text":"I might give them a call and let them know that we haven't received the email.","start":29.529999,"end":33.309998,"sentiment":"neutral","sentiment_score":-0.15779507718980312},{"text":"Yeah.","start":39.465,"end":39.865,"sentiment":"neutral","sentiment_score":-0.18924134969711304},{"text":"I just feel maybe they've taken down our email wrong.","start":39.865,"end":43.005,"sentiment":"neutral","sentiment_score":-0.27561875283718107},{"text":"Oh god.","start":47.465,"end":48.205,"sentiment":"neutral","sentiment_score":-0.07347254455089569},{"text":"Yeah.","start":67.595,"end":67.995,"sentiment":"neutral","sentiment_score":0.01570279337465763}],"sentiment":"neutral","sentiment_score":-0.18671308029443026,"num_words":30,"start":29.529999,"end":67.995},{"sentences":[{"text":"For sure.","start":67.995,"end":68.735,"sentiment":"neutral","sentiment_score":0.01742278877645731},{"text":"Beautiful.","start":99.240005,"end":99.740005,"sentiment":"neutral","sentiment_score":0.2573814392089844},{"text":"You've got Catherine in 321.","start":99.8,"end":101.98,"sentiment":"neutral","sentiment_score":0.09172777235507965},{"text":"I'm so sorry.","start":107.240005,"end":108.380005,"sentiment":"neutral","sentiment_score":-0.038256033013264336},{"text":"They were trying to take blood.","start":109.265,"end":110.465,"sentiment":"neutral","sentiment_score":-0.0527704202880462}],"sentiment":"neutral","sentiment_score":0.01879266222171924,"num_words":17,"start":67.995,"end":110.465},{"sentences":[{"text":"I got here early, and they couldn't find a vein, and I'm like, oh.","start":110.465,"end":113.845,"sentiment":"neutral","sentiment_score":-0.031564438715577126},{"text":"How are you more importantly?","start":115.024994,"end":116.405,"sentiment":"neutral","sentiment_score":0.01745580229908228},{"text":"No problem.","start":125.03999,"end":125.7,"sentiment":"neutral","sentiment_score":-0.05339628458023071},{"text":"No problem at all.","start":125.759995,"end":126.979996,"sentiment":"neutral","sentiment_score":-0.14162988401949406},{"text":"As long as long as you're feeling better.","start":127.03999,"end":129.22,"sentiment":"neutral","sentiment_score":-0.023404248524457216}],"sentiment":"neutral","sentiment_score":-0.03682330981687163,"num_words":33,"start":110.465,"end":129.22},{"sentences":[{"text":"Yeah.","start":143.345,"end":143.825,"sentiment":"neutral","sentiment_score":-0.06131698936223984},{"text":"That's end of financial year.","start":143.825,"end":145.425,"sentiment":"neutral","sentiment_score":-0.06183262914419174},{"text":"What else do you expect?","start":145.425,"end":146.645,"sentiment":"neutral","sentiment_score":-0.02294955402612686},{"text":"Yeah.","start":161.19,"end":161.69,"sentiment":"neutral","sentiment_score":0.2931964695453644},{"text":"I I can, but I don't I brought my sunglasses, not my bloody other glasses, and Greg just Greg was supposed to just wait outside and pick me up, but he's obviously gone to get the phone changed because he sounded like he was Ethan.","start":177.32999,"end":192.365,"sentiment":"neutral","sentiment_score":-0.1444774072824253}],"sentiment":"neutral","sentiment_score":-0.11743008356802818,"num_words":57,"start":143.345,"end":192.365},{"sentences":[{"text":"Yeah.","start":192.745,"end":193.065,"sentiment":"neutral","sentiment_score":0.046249233186244965},{"text":"I have got I have got access to my email.","start":193.065,"end":195.405,"sentiment":"neutral","sentiment_score":0.07485572211444377},{"text":"Yeah.","start":203.065,"end":203.565,"sentiment":"neutral","sentiment_score":0.13967406749725342},{"text":"Yeah.","start":206.55,"end":206.87001,"sentiment":"neutral","sentiment_score":0.1083940789103508},{"text":"No.","start":206.87001,"end":207.19,"sentiment":"neutral","sentiment_score":-0.08059373497962952}],"sentiment":"neutral","sentiment_score":0.06873434755418982,"num_words":14,"start":192.745,"end":207.19},{"sentences":[{"text":"I should yeah.","start":207.19,"end":208.39,"sentiment":"neutral","sentiment_score":0.029665074000755947},{"text":"No.","start":208.39,"end":208.71,"sentiment":"neutral","sentiment_score":-0.03605277091264725},{"text":"Well, I'm seeing this so I'm I'll they sort of in front of me.","start":208.71,"end":213.85,"sentiment":"neutral","sentiment_score":0.07061973533460073},{"text":"It has a moment, doesn't it?","start":229.565,"end":231.425,"sentiment":"neutral","sentiment_score":0.2568935304880142},{"text":"Right when it works.","start":231.565,"end":232.705,"sentiment":"neutral","sentiment_score":0.24422438815236092}],"sentiment":"neutral","sentiment_score":0.12713848147541285,"num_words":28,"start":207.19,"end":232.705},{"sentences":[{"text":"Yeah.","start":238.15001,"end":238.31001,"sentiment":"neutral","sentiment_score":-0.03872459754347801},{"text":"It's interesting.","start":238.31001,"end":238.97,"sentiment":"neutral","sentiment_score":-0.09640349075198174},{"text":"It's busy.","start":239.03,"end":239.77,"sentiment":"neutral","sentiment_score":-0.22206489741802216},{"text":"Yeah.","start":240.71,"end":240.95001,"sentiment":"neutral","sentiment_score":-0.10801060497760771},{"text":"We we we really haven't had much time to ourselves, but we've done one.","start":240.95001,"end":247.015,"sentiment":"neutral","sentiment_score":-0.17219476401805878}],"sentiment":"neutral","sentiment_score":-0.15971993375569582,"num_words":20,"start":238.15001,"end":247.015},{"sentences":[{"text":"We went to the, Bundy facility.","start":247.155,"end":249.57501,"sentiment":"neutral","sentiment_score":-0.031526210407416023},{"text":"Apart from that, we've been to the shop.","start":250.27501,"end":252.115,"sentiment":"neutral","sentiment_score":-0.028505187248811126},{"text":"That's it.","start":252.115,"end":252.755,"sentiment":"neutral","sentiment_score":-0.05938994698226452},{"text":"We've been here three weeks.","start":252.755,"end":253.975,"sentiment":"neutral","sentiment_score":-0.016231827810406683},{"text":"So but, you know, it's rather busy.","start":254.99501,"end":258.295,"sentiment":"neutral","sentiment_score":-0.2880483812519482}],"sentiment":"neutral","sentiment_score":-0.09405273079339947,"num_words":28,"start":247.155,"end":258.295},{"sentences":[{"text":"Okay.","start":268.43,"end":268.75,"sentiment":"neutral","sentiment_score":0.09918375313282012},{"text":"Greg alright.","start":268.75,"end":271.55,"sentiment":"neutral","sentiment_score":0.19484560191631317},{"text":"Greg's just pulling up, so I'm just getting in the car.","start":271.55,"end":274.21,"sentiment":"neutral","sentiment_score":0.08171782507137819},{"text":"So that's all good.","start":274.435,"end":277.335,"sentiment":"positive","sentiment_score":0.35780343785881996},{"text":"Hello?","start":284.995,"end":285.495,"sentiment":"neutral","sentiment_score":0.23011299967765808}],"sentiment":"neutral","sentiment_score":0.16047883072966024,"num_words":19,"start":268.43,"end":285.495},{"sentences":[{"text":"I've just got Dana on the phone.","start":285.875,"end":287.57498,"sentiment":"neutral","sentiment_score":0.21303733757564},{"text":"So is it from Christie?","start":320.92,"end":322.38,"sentiment":"neutral","sentiment_score":0.12341036945581436},{"text":"Okay.","start":324.84003,"end":325.34003,"sentiment":"neutral","sentiment_score":0.12354566156864166},{"text":"That's right.","start":326.2,"end":326.68002,"sentiment":"neutral","sentiment_score":0.22350533306598663},{"text":"That's right.","start":326.68002,"end":327.5,"sentiment":"neutral","sentiment_score":0.24642612785100937}],"sentiment":"neutral","sentiment_score":0.186571870218305,"num_words":17,"start":285.875,"end":327.5},{"sentences":[{"text":"I have it.","start":328.12003,"end":328.845,"sentiment":"neutral","sentiment_score":0.19840025901794434},{"text":"So advise me attach statement.","start":329.005,"end":330.625,"sentiment":"neutral","sentiment_score":0.12110295444726944},{"text":"Yeah.","start":339.405,"end":339.905,"sentiment":"neutral","sentiment_score":0.0597211979329586},{"text":"Here we go.","start":356.505,"end":357.225,"sentiment":"neutral","sentiment_score":0.06277846296628316},{"text":"Yes.","start":357.225,"end":357.625,"sentiment":"neutral","sentiment_score":0.16871342062950134}],"sentiment":"neutral","sentiment_score":0.12442196590396074,"num_words":13,"start":328.12003,"end":357.625},{"sentences":[{"text":"I do now.","start":357.625,"end":358.60498,"sentiment":"neutral","sentiment_score":0.22959590454896292},{"text":"Brilliant.","start":373.05002,"end":373.55002,"sentiment":"neutral","sentiment_score":0.2978944778442383},{"text":"Oh, alright.","start":417.825,"end":418.885,"sentiment":"neutral","sentiment_score":0.09224242344498634},{"text":"Just with the 3 thousand per month, that that we can change that at any time, can't we?","start":419.505,"end":425.525,"sentiment":"neutral","sentiment_score":0.03162355193247398},{"text":"Tomorrow or whatever.","start":426.945,"end":428.005,"sentiment":"neutral","sentiment_score":0.10698358217875163}],"sentiment":"neutral","sentiment_score":0.07634598961858838,"num_words":27,"start":357.625,"end":428.005},{"sentences":[{"text":"Yep.","start":428.065,"end":428.565,"sentiment":"neutral","sentiment_score":0.07675549387931824},{"text":"Yep.","start":434.84,"end":435.34,"sentiment":"neutral","sentiment_score":0.052618902176618576},{"text":"What's the contribution 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you.","start":489.13998,"end":489.96,"sentiment":"positive","sentiment_score":0.668050080537796},{"text":"Yeah.","start":518.35,"end":518.67,"sentiment":"neutral","sentiment_score":-0.0034346505999565125}],"sentiment":"neutral","sentiment_score":0.3078380227088928,"num_words":6,"start":468.19,"end":518.67},{"sentences":[{"text":"I'm really struggling to see this on my phone, but yeah.","start":518.67,"end":526.94495,"sentiment":"neutral","sentiment_score":-0.19218349863182416},{"text":"So I am about I I'm about one minute from my computer.","start":526.94495,"end":533.44495,"sentiment":"neutral","sentiment_score":0.17983456732084355},{"text":"So do you mind staying on the line, or do you want me to ring you back?","start":535.90497,"end":542.32,"sentiment":"neutral","sentiment_score":0.09878173382843242},{"text":"Cool.","start":546.7,"end":547.02,"sentiment":"positive","sentiment_score":0.6056125164031982},{"text":"Because I think that will make life a little easier for both of us, And I can actually see it.","start":547.02,"end":552.165,"sentiment":"positive","sentiment_score":0.48012869283556936}],"sentiment":"neutral","sentiment_score":0.19559790444422942,"num_words":61,"start":518.67,"end":552.165},{"sentences":[{"text":"I even know I can thank you.","start":552.865,"end":555.52496,"sentiment":"neutral","sentiment_score":0.16142235270568303},{"text":"Very good.","start":556.225,"end":556.96497,"sentiment":"positive","sentiment_score":0.6185992956161499},{"text":"Driveway.","start":558.945,"end":559.445,"sentiment":"positive","sentiment_score":0.4905935525894165},{"text":"I don't remember where I put my capillary at.","start":562.44,"end":564.76,"sentiment":"neutral","sentiment_score":0.042615647531218},{"text":"You know, we're literally, you know, making the most of everything at the 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up here too even though there hasn't been much, but because we've just had enough, I think we'll get some today.","start":622.85,"end":628.05,"sentiment":"neutral","sentiment_score":0.026028757526849706},{"text":"It looks a bit grayer today than normal.","start":628.05,"end":630.55,"sentiment":"neutral","sentiment_score":-0.14870427642017603},{"text":"I have to wait for Greg to grab the keys so that I can get in.","start":631.01,"end":635.965,"sentiment":"neutral","sentiment_score":-0.04775608703494072},{"text":"No.","start":641.145,"end":641.645,"sentiment":"neutral","sentiment_score":-0.22532260417938232},{"text":"Not really at all, really.","start":641.865,"end":643.325,"sentiment":"neutral","sentiment_score":-0.24983780086040497}],"sentiment":"neutral","sentiment_score":-0.051917648736249516,"num_words":54,"start":622.85,"end":643.325},{"sentences":[{"text":"But Greg's got had a few jobs that he's wanted to get done on this van, which has been frustrating, but at least he's 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somebody to put the caravan and stuff in the short term.","start":2204.025,"end":2211.3098,"sentiment":"neutral","sentiment_score":-0.07156738620251417}],"sentiment":"neutral","sentiment_score":-0.1386708450485386,"num_words":51,"start":2179.915,"end":2211.3098},{"sentences":[{"text":"But anyway no.","start":2211.3098,"end":2212.99,"sentiment":"neutral","sentiment_score":-0.08226181690891583},{"text":"It's good.","start":2212.99,"end":2213.63,"sentiment":"neutral","sentiment_score":0.02368938270956278},{"text":"It's excellent, actually.","start":2213.63,"end":2214.7698,"sentiment":"positive","sentiment_score":0.3873988290627797},{"text":"So we go into the outcomes, the advantages, and disadvantages, obviously, of that particular table.","start":2221.875,"end":2227.255,"sentiment":"neutral","sentiment_score":-0.028519186253348986},{"text":"And if I keep going, then I get to we recommend that you establish beneficiary nominations on your hub account 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me.","start":2344.02,"end":2349.8,"sentiment":"neutral","sentiment_score":0.23507997708824965},{"text":"Yeah.","start":2352.02,"end":2352.52,"sentiment":"positive","sentiment_score":0.36268389225006104},{"text":"So when you say it doesn't stop, so if the money runs out, that doesn't matter.","start":2361.795,"end":2366.85,"sentiment":"neutral","sentiment_score":-0.01658579045033548}],"sentiment":"neutral","sentiment_score":0.1397215408117821,"num_words":45,"start":2336.575,"end":2366.85},{"sentences":[{"text":"Yes.","start":2371.6501,"end":2372.05,"sentiment":"neutral","sentiment_score":0.01806512102484703},{"text":"It does 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you very much.","start":3323.15,"end":3324.11,"sentiment":"positive","sentiment_score":0.742577463388443},{"text":"And I shall get this signed and back to you and move forward.","start":3324.11,"end":3327.965,"sentiment":"positive","sentiment_score":0.4088290356672727},{"text":"Thanks.","start":3333.145,"end":3333.645,"sentiment":"positive","sentiment_score":0.5436510443687439},{"text":"I hope you're not too busy today.","start":3335.0652,"end":3336.685,"sentiment":"neutral","sentiment_score":0.2782935585294451},{"text":"Alright.","start":3342.92,"end":3343.4,"sentiment":"neutral","sentiment_score":0.30130431056022644}],"sentiment":"positive","sentiment_score":0.4260806762255155,"num_words":26,"start":3323.15,"end":3343.4},{"sentences":[{"text":"Thanks, Donna.","start":3343.4,"end":3344.3,"sentiment":"positive","sentiment_score":0.5822783410549164},{"text":"Enjoy your weekend and rest up.","start":3350.3599,"end":3352.515,"sentiment":"positive","sentiment_score":0.6576534608999888},{"text":"Alrighty.","start":3353.555,"end":3354.055,"sentiment":"positive","sentiment_score":0.4773626327514648},{"text":"Okay.","start":3355.9548,"end":3356.4548,"sentiment":"neutral","sentiment_score":0.1696537286043167},{"text":"Thanks.","start":3356.835,"end":3357.335,"sentiment":"positive","sentiment_score":0.44873255491256714}],"sentiment":"positive","sentiment_score":0.5642023967071013,"num_words":11,"start":3343.4,"end":3357.335},{"sentences":[{"text":"Bye bye.","start":3357.3948,"end":3358.135,"sentiment":"neutral","sentiment_score":0.04322092607617378}],"sentiment":"neutral","sentiment_score":0.04322092607617378,"num_words":2,"start":3357.3948,"end":3358.135}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey, Maddie.\n\nChannel 1: Hi, Dana. I've got Catherine Seba on the phone.\n\nChannel 0: Perfect. Thank you so much. Two seconds. So sorry.\n\nChannel 1: All good.\n\nChannel 0: Oh, good. Just pulling it all back up. So\n\nChannel 1: Have you received an email from the witness?\n\nChannel 0: no. Nothing's come through. Have you received anything?\n\nChannel 1: No. I might give them a call and let them know that we haven't received the email.\n\nChannel 0: Yeah. That's a bit weird. Hey. Because they wanted it, like, ASAP, and nothing's come through.\n\nChannel 1: Yeah. I just feel maybe they've taken down our email wrong.\n\nChannel 0: Maybe. Yeah. Oh god. I wonder where she sent that to then. Far\n\nChannel 1: Oh\n\nChannel 0: out.\n\nChannel 1: god.\n\nChannel 0: Could you imagine? Beautiful. Just sorry. Christie's just fixing one thing. I'm just getting her to save it real quick because she didn't answer.\n\nShe's like, oh, can I do one thing? I'm like, absolutely. But she's gonna call back in a minute. I guarantee you.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Again alright. Fine. You can see that. Perfect. Okay.\n\nCool. You can transfer her through whenever you're ready.\n\nChannel 1: Beautiful. You've got Catherine in 321.\n\nChannel 0: Hi, How are you this morning?\n\nChannel 1: I'm so sorry. They were\n\nChannel 0: No.\n\nChannel 1: trying to\n\nChannel 0: You're\n\nChannel 1: take\n\nChannel 0: absolutely\n\nChannel 1: blood. I got here\n\nChannel 0: fine.\n\nChannel 1: early, and they couldn't find a vein, and I'm like, oh. How are you more importantly?\n\nChannel 0: I'm okay. Thank you so much for asking. I am so sorry we had to reschedule yesterday. I do honestly apologize about that.\n\nChannel 1: No problem.\n\nChannel 0: It's not\n\nChannel 1: No\n\nChannel 0: good.\n\nChannel 1: problem at all. As long as long\n\nChannel 0: I\n\nChannel 1: as you're\n\nChannel 0: did\n\nChannel 1: feeling better.\n\nChannel 0: I am. Thank you. I did my back in on the weekend, and Monday, Tuesday, I was laid up. I could not move, couldn't do anything. And then I think I'm coming down with a cold as well.\n\nAnd I was like, of course, it's happening that way. Of course, I'm getting sick. Of\n\nChannel 1: Yeah.\n\nChannel 0: course.\n\nChannel 1: That's end of financial year. What else do you expect?\n\nChannel 0: Yeah. That's it. No. I said, Nada, I have to be in the office. I had to get in tomorrow yesterday morning so we could finalize everything for you and make sure you have this today.\n\nThat way you've got time because it is very time sensitive. So I wanted to make sure you\n\nChannel 1: Yeah.\n\nChannel 0: have that that plan ready to go so you can review it prior to taking the recommendations there. I'm just sending a copy through to you. Are you able to jump into your emails? If you're not, that's okay. I can just run you through it, but I just wanted to see if you are able to at all.\n\nChannel 1: I I can, but I don't I brought my sunglasses, not my bloody other glasses, and Greg just Greg was supposed to just wait outside and pick me up, but he's obviously gone to get the phone changed because he\n\nChannel 0: Oh,\n\nChannel 1: sounded\n\nChannel 0: that's\n\nChannel 1: like\n\nChannel 0: okay.\n\nChannel 1: he was Ethan. Yeah. I have got I have got access to my email.\n\nChannel 0: Oh, that's okay. I'm pressing send on the document now just so you can kind of have a look at it with you. Just often easier if you can see the\n\nChannel 1: Yeah.\n\nChannel 0: document. But if you can't, I can I'm happy just to run through and let you\n\nChannel 1: Yeah.\n\nChannel 0: review\n\nChannel 1: No.\n\nChannel 0: later.\n\nChannel 1: I\n\nChannel 0: It's\n\nChannel 1: should\n\nChannel 0: just\n\nChannel 1: yeah.\n\nChannel 0: generally\n\nChannel 1: No. Well,\n\nChannel 0: easier.\n\nChannel 1: I'm seeing this so I'm I'll they sort of in front of me.\n\nChannel 0: Absolutely. It's just pressing send now. Hopefully, it comes through fairly quickly. Love technology.\n\nChannel 1: It\n\nChannel 0: It\n\nChannel 1: has a moment, doesn't it? Right when it works.\n\nChannel 0: does. It does. How's everything going for you guys at the moment? How are you going up there?\n\nChannel 1: Yeah. It's interesting. It's busy. Yeah. We we\n\nChannel 0: Yeah.\n\nChannel 1: we really\n\nChannel 0: That's\n\nChannel 1: haven't\n\nChannel 0: good.\n\nChannel 1: had much time to ourselves, but we've done one. We went to the, Bundy facility. Apart from\n\nChannel 0: Yeah.\n\nChannel 1: that, we've been to the shop. That's it. We've been\n\nChannel 0: Oh,\n\nChannel 1: here three\n\nChannel 0: wow.\n\nChannel 1: weeks.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Wow.\n\nChannel 1: but, you\n\nChannel 0: Crazy.\n\nChannel 1: know, it's rather busy.\n\nChannel 0: Yeah. Yeah. Now that should it tells me it tells me it's sent. So, hopefully, it should come through to you in a moment. If\n\nChannel 1: Okay.\n\nChannel 0: technology\n\nChannel 1: Greg\n\nChannel 0: is working our way, that is.\n\nChannel 1: alright. Greg's just pulling up, so I'm just getting in the car. So that's\n\nChannel 0: Yeah. You're right.\n\nChannel 1: all good. Hello? I've just got Dana on the phone.\n\nChannel 0: Hi. How are you? Hi, Greg. How are you? I'm very well.\n\nThank you.\n\nChannel 1: So is it from Christie?\n\nChannel 0: Yep. Yep. She's my\n\nChannel 1: Okay.\n\nChannel 0: power planner. Yeah.\n\nChannel 1: That's right. That's right. I have it. So advise me attach statement.\n\nChannel 0: Beautiful. Yeah. So if you press the button there, it'll let you open the document. It will never ask you to sign anything until you've read it through. So when you\n\nChannel 1: Yeah.\n\nChannel 0: press that button, it'll take you to the next page. You'll see the the front page there, open financial statement of advice with your name on the front end today's date there for you.\n\nChannel 1: Here we go. Yes. I do now.\n\nChannel 0: Beautiful. On the bottom of that page has been prepared by myself and my beautiful team here at Okey Financial, and it's got my authorized representative number of 1304394 there for you. If you scroll\n\nChannel 1: Brilliant.\n\nChannel 0: forward, pages number three, four, five, and six basically outline the areas that we are scoping in and scoping out the advice for you today. So we're looking at areas of superannuation, retirement planning for the time being, and also estate planning. So looking at how your super is working effectively for you so you can continue to make those deductible contributions on a monthly basis of $2,000 per month, Looking at how you can draw down some income there for you, how to structure that, the investments within inside those accounts. And, also, because we're opening up a pension account, also considering the beneficiary side of things. That way, if in the event something was to happen to you, that your super and your pension payments are directed to where you want them to go.\n\nOkay?\n\nChannel 1: Oh, alright. Just\n\nChannel 0: There\n\nChannel 1: with\n\nChannel 0: are\n\nChannel 1: the 3\n\nChannel 0: yeah.\n\nChannel 1: thousand\n\nChannel 0: Sure.\n\nChannel 1: per month, that that we can change that at any time, can't we?\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: Tomorrow\n\nChannel 0: That's just what\n\nChannel 1: or whatever.\n\nChannel 0: you told me\n\nChannel 1: Yep.\n\nChannel 0: you wanted to make yeah. Put into the super, but you're not limited to that. If you wanted to put more in, as long as you're staying under\n\nChannel 1: Yep.\n\nChannel 0: the contribution cap, that's fine. The\n\nChannel 1: What's\n\nChannel 0: contributions\n\nChannel 1: the contribution\n\nChannel 0: cap as of\n\nChannel 1: kit?\n\nChannel 0: the July 1 yeah. The contribution cap as of the July 1 will be 23 sorry. 32,500. I apologize for that.\n\nChannel 1: Okay. Yep.\n\nChannel 0: She is. 32,500. So it's gonna go up by $2,500 for the next financial year, which is good. And, yeah, you're able to put in more if you want. If you just wanna put in the 2,000 to begin with to be able to cost averaging each month, that's fine.\n\nAnd then end of financial year, we could always look at what, you know, you wanted to put in as an additional lump sum, the payment notice\n\nChannel 1: Yeah.\n\nChannel 0: intent.\n\nChannel 1: Yep.\n\nChannel 0: There's plenty of options that we can do, but this is absolutely fluid. It's one thing I do like about advice that it is fluid. It can change. You know, in six months' time, if you ring me and go, hey, Dana. I wanna change the strategy.\n\nWe'll go back to the drawing board and update things that can\n\nChannel 1: Okay.\n\nChannel 0: all be changed and altered as your life and as your circumstances change. Okay?\n\nChannel 1: Thank you.\n\nChannel 0: Beautiful. We've scoped out certain areas of advice, so areas that we're not really providing advice on today, but we can look at additional advice in the future there for you. To make this a bit easier, if I just get you to scroll down for me to page number 13, I'll start taking you through the recommendations. You're welcome to ask any questions you have as we're running through them, and I'll just kind of explain what I'm recommending, how that works, and the\n\nChannel 1: Yeah.\n\nChannel 0: advantages\n\nChannel 1: I'm really\n\nChannel 0: disadvantages.\n\nChannel 1: struggling to see this on my phone, but\n\nChannel 0: Oh, are you that's okay. Did you want me just to run through the the recommendations for\n\nChannel 1: yeah.\n\nChannel 0: you? You're\n\nChannel 1: So\n\nChannel 0: welcome to\n\nChannel 1: I am\n\nChannel 0: take\n\nChannel 1: about\n\nChannel 0: it back and read it later. It's fine.\n\nChannel 1: I I'm about one minute\n\nChannel 0: Yeah.\n\nChannel 1: from my computer.\n\nChannel 0: Oh, okay.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: do you mind staying on the line, or do you want me to ring you back?\n\nChannel 0: Yeah. No. That's absolutely fine. Happy to stay on the line. It's not a problem at all.\n\nChannel 1: Cool. Because I think that will make life a little easier for both of us, And\n\nChannel 0: Yeah.\n\nChannel 1: I can\n\nChannel 0: You're\n\nChannel 1: actually\n\nChannel 0: right.\n\nChannel 1: see it.\n\nChannel 0: It's\n\nChannel 1: I even\n\nChannel 0: not\n\nChannel 1: know\n\nChannel 0: an\n\nChannel 1: I can\n\nChannel 0: issue.\n\nChannel 1: thank you. Very good. Driveway.\n\nChannel 0: It's all good.\n\nChannel 1: I don't remember where I put my capillary at. You\n\nChannel 0: Sometimes it is easier, isn't it, having the computer in front of you, having the biggest brain. Yeah.\n\nChannel 1: know, we're literally, you know, making the most of everything at the moment. And if this isn't working on the road, then nothing is. I'm I'm literally doing it at the minute.\n\nChannel 0: Yeah. Yeah. And how's how how long was it in Bundaberg at the moment?\n\nChannel 1: Today, it's 19 degrees at the moment. It's\n\nChannel 0: Oh,\n\nChannel 1: probably\n\nChannel 0: nice.\n\nChannel 1: the greatest day we've had. They've been threatening rain for about two weeks, and we've had one sort of shower, and that's all we got.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: It's it's been windy, but, no, temperature\n\nChannel 0: Yeah.\n\nChannel 1: is not bad at all.\n\nChannel 0: Oh, good. That's good.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely warm up there than it\n\nChannel 1: You've\n\nChannel 0: is down\n\nChannel 1: you've\n\nChannel 0: here.\n\nChannel 1: had lots\n\nChannel 0: That's for\n\nChannel 1: of rain\n\nChannel 0: sure.\n\nChannel 1: down there?\n\nChannel 0: Oh, it's all it ever does down here. It's rain.\n\nChannel 1: Yeah.\n\nChannel 0: We don't need any more rain.\n\nChannel 1: Alright. Still pretty green up here too even though there hasn't been much, but because we've just had enough, I think we'll get some today. It looks a bit grayer today than normal. I have to wait for Greg to grab the keys\n\nChannel 0: Yeah.\n\nChannel 1: so that\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: You're right.\n\nChannel 1: can get\n\nChannel 0: And\n\nChannel 1: in.\n\nChannel 0: and are you finding that you've got time to do day trips out and explore a little bit while you're up there?\n\nChannel 1: No. Not really at all, really.\n\nChannel 0: Oh, wow.\n\nChannel 1: But Greg's\n\nChannel 0: Crazy\n\nChannel 1: got\n\nChannel 0: busy.\n\nChannel 1: had a few jobs that he's wanted to get done on this van, which has been frustrating, but at least he's reaching his way through. But, yeah, it's sort of\n\nChannel 0: Yeah.\n\nChannel 1: pretty busy. We we play Tic Tac a little bit, and we'll go out and do the shops, and I'll look after the site. And we I think we had 10 people come in yesterday. So\n\nChannel 0: Yeah. Wow.\n\nChannel 1: and then then there's a lot of people that they've got nothing better to do, but they wanna check. And you're like, oh, there's other things I wanna do. Anyway,\n\nChannel 0: Yeah. You did a whole\n\nChannel 1: we did\n\nChannel 0: anyway.\n\nChannel 1: make it to the distillery, so that was important.\n\nChannel 0: Yeah.\n\nChannel 1: You can't\n\nChannel 0: Oh,\n\nChannel 1: be in\n\nChannel 0: that's\n\nChannel 1: Bundaberg\n\nChannel 0: good.\n\nChannel 1: without a trip to the distillery.\n\nChannel 0: No. No. Well, last time I was up there, I didn't get to go because I had a young child, but we wanna do that again and do the distillery run. Definitely worth a trip.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Yep.\n\nChannel 1: It is actually. And the gin\n\nChannel 0: Fantastic.\n\nChannel 1: distillery is also worth a visit. And that's that one's actually free. And they still give\n\nChannel 0: Oh,\n\nChannel 1: you a couple\n\nChannel 0: wow.\n\nChannel 1: of places. And it's really nice. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: But\n\nChannel 0: fantastic.\n\nChannel 1: so\n\nChannel 0: Yeah. Fantastic. I'll put that on the back at least. That's for sure.\n\nChannel 1: oh. Right. Alright. I have lights. I have a computer.\n\nI'm logged on.\n\nChannel 0: Beautiful.\n\nChannel 1: Let me know what you think. No. I don't want to update my browser. It just seems so slow when I haven't got someone waiting for me.\n\nChannel 0: You're honestly fine. Take your time. Do not worry in any way, shall perform. I've blocked plenty of time out to make sure you've got time to go through it with me, so it's all good.\n\nChannel 1: I just don't even know what it's doing. The the Gmail is just going in and the vehicle and I don't want to go into Dropbox. Oh, thank you. You're still on the phone. Yep.\n\nI can't even get in yet. One don't know what this is. Okay. Plan b. Pickup.\n\nChannel 0: Yep. You're right.\n\nChannel 1: Okay. What\n\nChannel 0: Is it\n\nChannel 1: page\n\nChannel 0: coming\n\nChannel 1: am\n\nChannel 0: through\n\nChannel 1: I missing?\n\nChannel 0: for you? Yeah. You're right. Honestly, it's fine. It is on page number 13 is where the recommendations are starting for you.\n\nIs it saying anything particular as to why it's\n\nChannel 1: Alright.\n\nChannel 0: not opening?\n\nChannel 1: It's just just the\n\nChannel 0: Or\n\nChannel 1: wheel keeps tuning in.\n\nChannel 0: yeah. The circle of death, essentially, that thinking wheel.\n\nChannel 1: Yeah. I'm gonna just try and go in again. Instant? Okay. I don't see the cheese in place.\n\nCheese? Yep. Alright. It's looking a bit better, but it's taking a little while to load, but something's coming through\n\nChannel 0: That's\n\nChannel 1: now.\n\nChannel 0: okay. Oh, beautiful.\n\nChannel 1: Taking a long time. Page 13. Yeah. I've got my proper glasses on. I can probably see it on my phone.\n\nAlright. 15. The heating balance growth. Is that right?\n\nChannel 0: Yep. Mine go down to the next page. Yours might have added one extra page on there. So it might be paid\n\nChannel 1: Yes.\n\nChannel 0: 13 14 for yourself. So we've got strategy recommendations here ending 2526.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. So with this one here, start the recommendations. We'll start by retaining your hub twenty four super account. I did have a look at all the other options for super out there.\n\nJust make sure hub twenty four is still preferable. Hub twenty four is still the best option. And if we\n\nChannel 1: Yep.\n\nChannel 0: look to move into any other super fund out there, we would have to complete a full sell down, which means it's the highest EGT cost for your super fund. So retaining hub twenty four does work out to be more cost effective\n\nChannel 1: Yep.\n\nChannel 0: for you. So we're gonna retain the super fund of the accumulation account as it is within hub twenty four, and we're gonna open up a separate account based pension account. So,\n\nChannel 1: Yep.\n\nChannel 0: basically, what happens is we move some money. In this case, it'll be 250,000 from your accumulation account into an account based pension. Essentially, how that works is the Superfund will just do a a transfer of it's called an in specie transfers. They will take 250,000 from the assets in your super and just transfer them into a pension account. It is a fairly quick process.\n\nIt can take up to a week to do. So we kind of wanna have this done before the end of the financial year so you can draw down that\n\nChannel 1: Yeah.\n\nChannel 0: first 12,500 pension payment.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, it's just about retaining hub 24, moving $2.50 into the account based pension account. That's in pension phase, and you have the benefit there of having most of your money in pension phase. And because you're not working anymore, Being in pension phase is eligible for you, and pension phase is tax free. So the small amount that we expect to stay in the accumulation account, which will be 16,110. Anything\n\nChannel 1: Yep.\n\nChannel 0: in accumulation phase is still being charged at CGT and income tax at 15%. CGT can go as low as 10% depending on the assets held, but everything in the pension phase is tax free. It's a tax free environment. There's no income tax, no CGT tax, and the income payments you draw down are all tax free as well. So it's a great place to be.\n\nIt's\n\nChannel 1: Yeah.\n\nChannel 0: definitely more tax advantage than any other strategy out there. And it just means that you'll then have the two accounts. You're accumulating your pension, $2.50 sitting in a pension account, and the rest of the funds in the accumulation account there. Once we have that pension account open, we'll draw down that first payment, which is 12,500 and essentially 5% of the balance being transferred, and we'll make sure that payment's drawn down before the end of this financial year. That way, you've got that as a bit of a buffer there.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: On the bottom of that page, it also says lodge a notice intent. My power plan has noted you paid that 5,000 in there. We've reclaimed the notice of intent for that, so it doesn't need to happen. But my power noticed\n\nChannel 1: Oh,\n\nChannel 0: it,\n\nChannel 1: yeah.\n\nChannel 0: and she wanted to make sure that that was accounted for. So\n\nChannel 1: Okay.\n\nChannel 0: it's all good. It's just making sure that\n\nChannel 1: It's under control.\n\nChannel 0: everything is done. Yeah. So that's already been done, which is fantastic. Essentially, this allows you to be able to draw income that keeps them keeps the funds most of the funds in a tax free environment, which is really important for you and allows you to draw down that buffer on that 12,500 that you wanted to take for your travels as a bit of a buffer for the income stream\n\nChannel 1: Yeah.\n\nChannel 0: side of things. Okay?\n\nChannel 1: Perfect.\n\nChannel 0: I know it's the best interest, Judy, is essentially my justification of the strategy and relating that back to your goal and how that works in your best interest for you. So I'll let you have a really good read through all those sections shortly.\n\nChannel 1: Mhmm.\n\nChannel 0: Essentially, underneath that, you'll also see a little table, and it basically shows you what we'll see. So we'll have the two accounts there\n\nChannel 1: Yep.\n\nChannel 0: in accumulation based on current balance. There'll be the 16,110 less in the accumulation phase, 250,000 moved into pension phase, and you withdraw 12,500, leaving a pension balance sitting in there of 237,500 for you. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: The next slide outlines all the advantages, disadvantages, and the risks involved. Admittedly, opening up the pension account and giving you the advantage of having most of your money in that tax free environment. So it does mean, as I said, there's no income tax, no CCAT tax in that sort of area. And any withdrawals, you do make it completely tax free for you as well. So it's\n\nChannel 1: So\n\nChannel 0: a\n\nChannel 1: do\n\nChannel 0: very\n\nChannel 1: we set\n\nChannel 0: advantaged\n\nChannel 1: that up as a\n\nChannel 0: environment.\n\nChannel 1: an automatic monthly thing or do I just\n\nChannel 0: The drawdown?\n\nChannel 1: yeah.\n\nChannel 0: Yeah. We will. Yep. So what'll\n\nChannel 1: Okay.\n\nChannel 0: happen is\n\nChannel 1: That's right.\n\nChannel 0: is that's okay. What'll happen is once we open the pension account, my team will confirm with you what day you want the December, we probably just have drawn out as a one off transaction, so we initiate that for\n\nChannel 1: Yes.\n\nChannel 0: you. We'll\n\nChannel 1: Yeah.\n\nChannel 0: have that done as soon as the account's open. But once we open your pension account, we'll also nominate what day you wanna start receiving that $3,000 on a monthly basis being drawn\n\nChannel 1: Yep.\n\nChannel 0: out as your regular pension account pen\n\nChannel 1: Yep.\n\nChannel 0: so a pension payment, and that'll come down automatically every month for you as well. Okay?\n\nChannel 1: Cool.\n\nChannel 0: When you do get some time, have a read through the advantages, disadvantages, the risks involved. It's important to sort of note there are by saying keeping some money in that accumulation account, it does see income tax, the CGT, and income tax consequences, but they are more a tax advantage than, you know, in our own personal name. So income tax within the super system is at 15% and CUT 15% or 10% if the assets have been held for more than twelve months. So it is a more tax advantaged environment still. It does mean you'll have the two accounts open.\n\nSo you'll see when you log\n\nChannel 1: Yes.\n\nChannel 0: in to HUB 24, you'll have your accumulation, your super, and you'll also have the account based pension account. It does mean, overall, you'll have two accounts. So there are higher administration fees for having two accounts. But I've also restructured the investments, and I'll show you those shortly to make sure your investments are taking on lower risk, but also providing good returns and also factoring in the fees for the investments as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: The next page outlines any risks of associated with the recommendations made and any alternatives that I've considered as well. So I note down alternative strategies that I may have looked at, considered as part of the advice. I did look at moving to other platforms that, you know, decided not to go that way\n\nChannel 1: Yep.\n\nChannel 0: because it would require more tax consequences to the sell down and the transfer, which can also take longer to do. I wanted to make the strategy as easy as possible for you, and Hub 24 is a great platform. There's nothing wrong with it. There's been no major changes that require it to to be, you know, to have you moved out of that platform.\n\nChannel 1: Yeah.\n\nChannel 0: I also considered looking at a TTR strategy. However, TTR pensions have the same tax consequences as super. And because you're no longer working, you can take advantage of a full account based pension, so this works out to be more advantage for you. Okay?\n\nChannel 1: Excellent.\n\nChannel 0: Excellent. If you scroll down to page number 21 for me, this is the second half of the recommendations. Now I've basically put them into two financial years because when we because we are so close to the end of the financial year, once we open the pension account, draw down the 12,500, that'll affect effectively take us to the end of this financial year.\n\nChannel 1: Okay.\n\nChannel 0: It\n\nChannel 1: Sorry. What\n\nChannel 0: will\n\nChannel 1: page\n\nChannel 0: probably\n\nChannel 1: are you on?\n\nChannel 0: hit a 21. Yours might be 22. It has strategy recommendations for the next financial year.\n\nChannel 1: Current investment superannuation. Recommended investment pension account.\n\nChannel 0: Oh,\n\nChannel 1: I've gone too\n\nChannel 0: is\n\nChannel 1: far here.\n\nChannel 0: might have yes. Sorry. The\n\nChannel 1: I\n\nChannel 0: heading that should say strategy recommendations\n\nChannel 1: expect\n\nChannel 0: financial year 2627.\n\nChannel 1: Must have gone too far.\n\nChannel 0: That's okay. You're fine. If you just go backwards a little bit\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: Yeah. Gotta\n\nChannel 0: does\n\nChannel 1: leave\n\nChannel 0: it\n\nChannel 1: recommendation.\n\nChannel 0: say on the page?\n\nChannel 1: Here we go. '20\n\nChannel 0: Yep.\n\nChannel 1: 06/27, or '20\n\nChannel 0: Yours is the page numbers have changed a little bit from what I'm looking at. So sorry. It might have been when it uploaded, it sort of redenumber the page numbers. I do apologize about that. Love technology when it wants to do things like that for us.\n\nChannel 1: 25\n\nChannel 0: The\n\nChannel 1: 26 we're looking at. Is that right?\n\nChannel 0: beautiful. Yep. That's the one. I can see that\n\nChannel 1: Okay.\n\nChannel 0: on mine\n\nChannel 1: That's\n\nChannel 0: too.\n\nChannel 1: page\n\nChannel 0: Fantastic.\n\nChannel 1: 14.\n\nChannel 0: So this one here should say strategy recommendations year financial year 2627. Is that right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Beautiful. So as I was kinda said, this is gonna be the first part of strategy will essentially bring us up to the end of this financial\n\nChannel 1: Yeah.\n\nChannel 0: year because we are so close to the end there. So this\n\nChannel 1: Yep.\n\nChannel 0: will also commence as of the July 1. And once we open up the pension account, we can then allocate your pension payments to be drawn down on a regular basis. So you wanted to sort of see monthly withdrawals of about $3,000 per month to cover regular expenses, which essentially gives\n\nChannel 1: Yeah.\n\nChannel 0: you $36,000 for the year. If you decide to change that, wanna increase or decrease or alter them, just let me know. They can be changed. It's not a problem at all. When we do the pension Alec pension application, we do nominate a date that you wanna see those pension payments starting.\n\nAs of the July 1, is there a certain day or date or time of the month that you would like to receive those pension payments, John, to hit your bank account?\n\nChannel 1: Yeah. Probably the first Monday of the month would be the best.\n\nChannel 0: Yeah. Absolutely. I'll just make a note of that for you for the first Monday of the month, and we'll make sure that those that is drawn down each month at the same time for you. Okay?\n\nChannel 1: Hello?\n\nChannel 0: Fantastic. So I'll make sure that that is in the application for you. My team will then send that through. That'll all be signed and submitted with the original pension payment. We'll just make sure they start the first Monday of July for you to make it easier.\n\nChannel 1: Yep.\n\nChannel 0: And on the July 1, you'd be able to start making those additional contributions. You can do them earlier if you wanted to. I've just allocated the July 1 because you've done your 5,000 for this year.\n\nChannel 1: Yeah.\n\nChannel 0: Starting the regular contribution as of next financial year means that you've steadily started that along. And then at the end of the financial year, we'll look at how many contributions you've made, whether you wanna make any additional contributions, and claim the notice of intent for that as\n\nChannel 1: Oh,\n\nChannel 0: well. Okay? And then we're all\n\nChannel 1: one thing\n\nChannel 0: you're right. Sorry.\n\nChannel 1: one question I have.\n\nChannel 0: Sure.\n\nChannel 1: So when I did the 5,000, I get confused whether it's a concessional\n\nChannel 0: Yeah.\n\nChannel 1: or a so what is the correct account name? Like, what do you call yeah. Because there's\n\nChannel 0: The contribution? Yeah.\n\nChannel 1: yeah.\n\nChannel 0: It's technically called a deductible contribution, and\n\nChannel 1: Okay.\n\nChannel 0: it goes in as a nonconcessional contribution. So the way I like to sort of note it is concessional means that tax is taken out. So when a concessional contribution hits your super fund, they take 15% tax out of that straight away. With a non concessional contribution, the money goes in. It is a 100% invested\n\nChannel 1: Yep.\n\nChannel 0: deductible contribution, it goes in non concessional, and then we change that to concessional by adding that notice of intent.\n\nChannel 1: Yes.\n\nChannel 0: And that's telling\n\nChannel 1: So we\n\nChannel 0: the\n\nChannel 1: pay\n\nChannel 0: funds\n\nChannel 1: the tax\n\nChannel 0: that\n\nChannel 1: at\n\nChannel 0: we have\n\nChannel 1: the end\n\nChannel 0: the\n\nChannel 1: of the\n\nChannel 0: intention.\n\nChannel 1: year. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: And that's\n\nChannel 1: Now\n\nChannel 0: telling\n\nChannel 1: I get\n\nChannel 0: the Superfund\n\nChannel 1: it.\n\nChannel 0: you have the intention to claim that money as a tax deduction, and that's why they take the tax out the fifteenth percent. So\n\nChannel 1: Alright. That's\n\nChannel 0: we\n\nChannel 1: alright.\n\nChannel 0: because you don't have any you don't have any insurance payments or anything coming out of the account on a regular basis, we\n\nChannel 1: Yeah.\n\nChannel 0: can essentially have that contribution going in on a yearly on a monthly basis or however often you wanna make it. And at the end of the financial year, we can then look at how much you've made as a total and then claim the whole amount under that notice of intent. Does that make sense?\n\nChannel 1: Yep. No. I've got that now.\n\nChannel 0: Yep. Beautiful. Ask any question you like. There's no such thing as a silly question. I love them.\n\nThey essentially, we just started to get out of the as of the July 1. We'll make sure your pension payments are being drawn down $3,000 per month into your nominated bank account, and my team will give you a call and get those bank account details off you.\n\nChannel 1: Yeah.\n\nChannel 0: We also will then or, you know, get you to start direct setting the $2,000 per month into the accumulation account, so into your\n\nChannel 1: Yep.\n\nChannel 0: super account, sorry, With the intention to claim the notice we take at the end of the financial year. As we said before, we've got $2,000 a month because that's how much you said you were comfortable with. If you decide you wanna put more in, that's absolutely fine as long as we don't go over the cap. We can also just be doing $2,000 on a regular monthly basis. Then at the end of the financial year, look at what you have available, cap space,\n\nChannel 1: Yeah.\n\nChannel 0: and make a lump sum again at the end of the year if you want to\n\nChannel 1: Yeah.\n\nChannel 0: as well. So there's a few options that we do have there. Okay? And then the last part of that strategy is that we're gonna also do an investment switch. So at the moment, you're in that growth environment.\n\nWe talked about going into pension phase and starting to draw\n\nChannel 1: Mhmm.\n\nChannel 0: income down. And with the volatility that we have been seeing in the market, it is always a good idea to start reducing your risk level in the market. So we talked and agreed on reducing you from the growth environment to a balanced growth kind of split, which\n\nChannel 1: Yep.\n\nChannel 0: is generally about 70% invested in growth assets, so international and Australian shares, listed property and commodities like gold and silver, and then also seeing 20% in defensive lower risk sorry, 30% oh, my apologies, in lower risk investments like cash, bonds, and fixed interest. This invest this sort of area is tracking to try and receive a regular compound of return of six to 8% on a yearly basis, and normally can see the likelihood of a negative return, say, one in every six years there. I went back and had a really good look at your portfolio, how it has been working, and also made a recommendation to alter the portfolio, a, to reduce your risk level, but, b, to also consider defensive assets and how economists believe Australia is gonna go with the high inflation over the next few months as well. So I've factored a lot of that into the recommendations with the investments, and I'll take you through those very shortly as well. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Underneath that, you'll see I've got the best interest duty there again. So just relating all of those recommendations back to your goals\n\nChannel 1: Yep.\n\nChannel 0: and how they do work in your best interest, making sure you've got regular income. You will be traveling after you leave, and you're always gonna have access to, you know, being able to give me a call and request drawdown. So this kinda gives you a regular monthly amount that you can expect in your bank account to kinda cover, you know, regular expenditures while you are traveling and living your best life, and I am so jealous that you get to do that. Think that is fantastic. I love what you guys are doing.\n\nI think it is beautiful. And\n\nChannel 1: Sometimes\n\nChannel 0: then, yeah,\n\nChannel 1: it's\n\nChannel 0: making\n\nChannel 1: a very\n\nChannel 0: the regular\n\nChannel 1: small size.\n\nChannel 0: absolutely. And then the regular $2,000, you can put that into the account with a couple of ways. So you can do it as a b pay transfer or an ETF transfer on a reg like, set up regularly to come out automatically on your bank account, or you can opt to do it as regularly as you would like. Or if you wanna hold off and do it at the end of the year, you absolutely can. Realistically,\n\nChannel 1: Yeah.\n\nChannel 0: setting it up as a regular deposit once a month works out better for you because you are dollar cost averaging. So putting regular amounts into the super\n\nChannel 1: Yeah.\n\nChannel 0: fund over a period of time, which helps to even out the investment returns. It can provide greater growth, and you take advantage of the market ups and downs as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. So that's essentially majority of the recommendations there. I've also got a bit of a breakdown on the next page that outlines what you'll essentially see within the two accounts there. So the accumulation showing the starting balance, the regular deposits in, and then claiming on notice to intend at the end of the year, And then the HUD twenty four pension account showing the balance after the 12,500 has been withdrawn and then the regular withdrawal of 3,000 per month or 36,000 per year to cover your living expenses. Okay?\n\nChannel 1: So that's based on oh, I think I'm on a different page, but\n\nChannel 0: No.\n\nChannel 1: I'm\n\nChannel 0: That's okay.\n\nChannel 1: I'm on projected income stream. Is that right?\n\nChannel 0: What page are you on? What's the heading on that one?\n\nChannel 1: Projected in income stream. I've gone too far, I think.\n\nChannel 0: No. That's fine. That's actually very good. I'll run down to where you are. So this is actually showing you so we've gone forward and projected essentially where you should\n\nChannel 1: Yep.\n\nChannel 0: be at the age of 61 with the current projected balance based on the growth and the fees within the account there. And then this shows you that by drawing down 36,000 per year for your income, with the expected growth and annual contribution going in, so this is both accounts mixed together, essentially. This\n\nChannel 1: Yeah.\n\nChannel 0: shows you how long your super would be expected to last for.\n\nChannel 1: Okay.\n\nChannel 0: Yes.\n\nChannel 1: That's alright.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Keep\n\nChannel 1: yeah. I mean, obviously, that would be different because we would sell houses before we reach that age.\n\nChannel 0: Correct. And, look, there's other there's other things that can definitely come into play with this. This is just based on the current recommendations with no additional changes\n\nChannel 1: Yeah.\n\nChannel 0: there. However, alternatives I've considered, I've scoped out links for now because you're not quite eligible. But as you get close to age 67, we can reassess eligibility for getting age pension to supplement this. You might then sell a property, you know, sell the assets within a trust and put more money in the super or we shelter money in other ways. So there's\n\nChannel 1: Yeah.\n\nChannel 0: lots of other things that we can do, and the advice is definitely gonna evolve. This advice piece will change definitely before the age of at least 67, if not 84.\n\nChannel 1: Yeah.\n\nChannel 0: So I definitely would expect things to last a little bit longer as we update and make the advice evolve for you as well. Okay?\n\nChannel 1: Yeah. Because I think since we were looking\n\nChannel 0: Yeah.\n\nChannel 1: at buying another property, but I think my research has sort of indicated that it would probably be better not to. It would probably be better to rent\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: just for somebody to put the caravan and stuff in\n\nChannel 0: Yeah.\n\nChannel 1: the short term. But anyway no. It's good.\n\nChannel 0: No. That's\n\nChannel 1: It's excellent,\n\nChannel 0: okay.\n\nChannel 1: actually.\n\nChannel 0: Beautiful. Now if you scroll down to the next page for me, can you tell me what the heading is that you're looking at on that page there?\n\nChannel 1: So we go into the outcomes, the advantages, and disadvantages, obviously, of that particular\n\nChannel 0: Yep.\n\nChannel 1: table. And\n\nChannel 0: Yep.\n\nChannel 1: if I keep going, then I get to we recommend that you establish beneficiary nominations on your hub account pension.\n\nChannel 0: Beautiful. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: So that's\n\nChannel 0: this is when we open the pension account, you've got your beneficiary nomination already on the super, noting that in the event\n\nChannel 1: Yeah.\n\nChannel 0: that something was to happen that the funds are to be paid to Greg. You\n\nChannel 1: Yep.\n\nChannel 0: wanted that to be the same thing on your pension account, but I've recommended so you'll probably remember on your sleep, you've got a binding on lapsing nomination. So it binds the trustee. With pension accounts, I'm recommending what's called a reversionary beneficiary. This essentially means that in the event of you passing, your pension payments will continue to then be distributed to grace with no stopping point. So with\n\nChannel 1: Okay.\n\nChannel 0: a normal beneficiary nomination, like a binding on that thing, in the event that you were to pass away, if that was on the same on the pension account, the pension payments would stop. As soon as we notified them that you have passed away, the pension payments would stop, and then we'd have to go through the claims process to have that all moved into Greg's name. With\n\nChannel 1: Yeah.\n\nChannel 0: a reversionary beneficiary, and you can only apply these to pension accounts, essentially, if you're receiving that $36,000 on a yearly basis and it's going to you, if you would then pass away, those regular pension payments of $3,000 per month do not stop. They continue to keep being paid, and they just get paid to Greg automatically. The benefit of this sort of benefit beneficiary is that because the pension payments don't stop and your living expenses continue even once you pass away, plus sometimes there's more expenses around getting everything ready for a funeral, the cost of a funeral, also, you know, people coming into town or having to, you know, stop and\n\nChannel 1: Yeah.\n\nChannel 0: buy extra food and things like that. There can be a lot of extra expenditure around that sort of thing. So having a reversionary\n\nChannel 1: Alright.\n\nChannel 0: benefit\n\nChannel 1: And the cost of living\n\nChannel 0: beneficiary\n\nChannel 1: on his own is cheap, you know, on his own is\n\nChannel 0: absolutely.\n\nChannel 1: because it's because it's because it's it's living with me.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: And a lot of that would just continue the same way. So this just keeps his pension payments going and doesn't stop to make it easier on him. Does that make sense?\n\nChannel 1: So when you say it doesn't stop, so\n\nChannel 0: Yes.\n\nChannel 1: if the money runs out, that doesn't matter.\n\nChannel 0: No. Well, the money runs out, the the pension payment stops. But it's\n\nChannel 1: Yes.\n\nChannel 0: more\n\nChannel 1: It\n\nChannel 0: just\n\nChannel 1: does\n\nChannel 0: you\n\nChannel 1: stop.\n\nChannel 0: know, if\n\nChannel 1: Yeah.\n\nChannel 0: it's yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: It's\n\nChannel 1: No.\n\nChannel 0: more\n\nChannel 1: No.\n\nChannel 0: just\n\nChannel 1: No. That\n\nChannel 0: that\n\nChannel 1: makes\n\nChannel 0: if\n\nChannel 1: sense.\n\nChannel 0: you would have\n\nChannel 1: Yep.\n\nChannel 0: passed away and you had, say, a 150,000 or 200,000 still in your pension account and that $3,000 is still being paid out, it would continue\n\nChannel 1: Yep.\n\nChannel 0: to be paid out. Any beneficiary, no matter what it is, once the pension once the pension has no money and once the super is completely\n\nChannel 1: Yes.\n\nChannel 0: run dry, there's no money left. Everything will completely stop.\n\nChannel 1: That's what\n\nChannel 0: So\n\nChannel 1: I thought.\n\nChannel 0: this is, yeah, this is just\n\nChannel 1: Yep.\n\nChannel 0: making\n\nChannel 1: Nope.\n\nChannel 0: sure\n\nChannel 1: Carry\n\nChannel 0: that\n\nChannel 1: on.\n\nChannel 0: in the interim, he can keep receiving the money that he is receiving whilst you have money in the account, essentially. Does that make sense?\n\nChannel 1: Yep. Nope. Got it.\n\nChannel 0: Yeah. Beautiful. This is a great way to have a beneficiary intention. It just makes life a little easier for your partner at the time of passing. Keeping in mind that this is all just put in place in the event of I actually don't want anything to happen to you.\n\nI want you to\n\nChannel 1: No.\n\nChannel 0: out survive and laugh and enjoy all of your money. It's just one of those things that we do make sure we have in the plan and accounting\n\nChannel 1: Yeah.\n\nChannel 0: for. And a reversionary is something that I do find a lot of people don't think of on a regular basis, and I do like a reversionary beneficiary. It benefits your spouse, makes life easier. And, yeah, it just continues those pension payments so they can continue living in the event that you would have passed away. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. Now if I can just get you to scroll back up for me, just back up past the income drawdown section, you will see three tables with investment recommendations.\n\nChannel 1: Yes.\n\nChannel 0: Just let me\n\nChannel 1: I\n\nChannel 0: know when\n\nChannel 1: still\n\nChannel 0: you\n\nChannel 1: does.\n\nChannel 0: see those tables. Beautiful.\n\nChannel 1: So this one. So the first one is superannuation fee projection table.\n\nChannel 0: Yep. That's the one. Perfect.\n\nChannel 1: Excellent.\n\nChannel 0: So this one here\n\nChannel 1: Oh, there's\n\nChannel 0: essentially\n\nChannel 1: one above\n\nChannel 0: outlines\n\nChannel 1: that too. Oh, no. We've\n\nChannel 0: yeah.\n\nChannel 1: got\n\nChannel 0: The\n\nChannel 1: we just the recommended investment accumulation account.\n\nChannel 0: yep. So the fee the fee protect projection table is the first one. That's essentially outlining your current Zebra account with your current fees. It's attached to your current risk profile and the investments there and noting that, you know, this is essentially what you're paying. So at the moment, the admin fees are about 1,166.\n\nYou've got investment fees coming out of the account, your current super balance at the top, and the ongoing service fee there as well, and you're in a growth portfolio. And whilst your return can slightly differ, essentially, when we look at your the portfolio and that you're in and utilize a five year rolling average, it's averaged about 9.62% over the last five years. So it has not been bad in any way, shape, or form. The recommended is essentially showing you the outcome with the recommendations in place. So distributing your funds between the two accounts, the accumulation and the pension phase, how the administration fees will look.\n\nSo you'll have a smaller admin fee within super, but a bit bigger in the pension phase then. So it\n\nChannel 1: Can\n\nChannel 0: does\n\nChannel 1: I\n\nChannel 0: mean\n\nChannel 1: ask\n\nChannel 0: that\n\nChannel 1: you a\n\nChannel 0: overall\n\nChannel 1: question?\n\nChannel 0: admin fee for hire. Absolutely.\n\nChannel 1: When you say the average interest was between nine and nine point whatever it was.\n\nChannel 0: Yeah.\n\nChannel 1: Is that after admin fees?\n\nChannel 0: That is just looking at the portfolio, so that doesn't take into account the administration fees. That\n\nChannel 1: Okay.\n\nChannel 0: is just\n\nChannel 1: So that's\n\nChannel 0: inputting all the investments into so we use, like, adviser portals, like Morningstar and Lonestek to tell us how these portfolios have returned averagely over the past five years. And that's\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: showing you the current investment structure should have returned this. Admittedly, it could be different to what your portfolio has received because you've also got money coming and going at different times, so fees coming in and going out. You've also got, you know, your contributions going in, coming out at different times as well. So it does affect the return, but this is just showing you based on research, this is what the average has been for that portfolio over the past five years.\n\nChannel 1: Yep.\n\nChannel 0: And that's kind of what we utilize for how we expect our portfolios to work in the future. So we're utilizing\n\nChannel 1: Yeah.\n\nChannel 0: investment data from the past to show what portfolios are suited and what should be working for you in the future, knowing that it can change, and there's other factors that can change and and affect that as well. That's why we review the portfolios with you on a regular basis. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Got it.\n\nChannel 0: Excellent. So at the top there, you'll see the two accounts. So the differences column has the first drawdown of 12,500. That will come out before the end of the financial year, and then you've got your two balances there. So expected after the drawdown should be 237,500 and an accumulation 16,110.\n\nThe two administration fees that will be expected to come out of the account on a yearly basis, So it does increase\n\nChannel 1: Yep.\n\nChannel 0: as a whole by that $399. That's because we're opening the two accounts up. In the back end with Hub twenty four, we could also aggregate the fees. So we will link the accounts in the back end so that they can try to reduce the fees as much as possible. So we're essentially linking everything in the back end, and\n\nChannel 1: Yep.\n\nChannel 0: Hub twenty four can reduce the fees below that. That's based on research and what we expect at the moment. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: With the investment fees, currently, you're paying 1,247 on a yearly basis. With the new recommended in the portfolio change, we actually see your investment fees decrease. So with the recommended change in investment portfolio, we can see and expect your investment fees to save you $769 for the first year. Okay? And then the adviser fee, which is a 1.65%, we just have that prorated across both the accounts there for you as well.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. Contributions going in, that's the deductible contribution that has been recommended. And then we've also got the monthly withdrawal at $3,000 on a monthly basis being drawn out of the account. Okay? Perfect.\n\nWith\n\nChannel 1: Mhmm.\n\nChannel 0: the underneath\n\nChannel 1: Quite\n\nChannel 0: there,\n\nChannel 1: a\n\nChannel 0: you'll\n\nChannel 1: lot of\n\nChannel 0: see\n\nChannel 1: admin fees, isn't it?\n\nChannel 0: there absolutely is. Admin\n\nChannel 1: Yeah.\n\nChannel 0: fees\n\nChannel 1: I\n\nChannel 0: are always percentage based, so they are generally quite high. It's for the administration and for the\n\nChannel 1: yeah.\n\nChannel 0: the platform itself charges. We try to limit and reduce them as much as possible,\n\nChannel 1: Yep.\n\nChannel 0: but there's no way to get around them. There's always gonna be admin fees and and things like that\n\nChannel 1: Yep.\n\nChannel 0: that are applied to every\n\nChannel 1: Oh, it's just\n\nChannel 0: platform.\n\nChannel 1: here when\n\nChannel 0: So\n\nChannel 1: you fill in. It's add\n\nChannel 0: yeah.\n\nChannel 1: up the add money investment and the adviser. It's quite a lot.\n\nChannel 0: Yep.\n\nChannel 1: But anyway,\n\nChannel 0: It\n\nChannel 1: that's\n\nChannel 0: is.\n\nChannel 1: alright. It is what it is.\n\nChannel 0: Yeah. Yeah. Well, when you look\n\nChannel 1: Alright.\n\nChannel 0: at the percentage cost there, as much as it is overall quite large as a dollar figure,\n\nChannel 1: Yeah.\n\nChannel 0: it is also reduced as a whole.\n\nChannel 1: Yeah.\n\nChannel 0: So at the moment, the percentage is about 2.59%. As a whole, we can reduce it down to 2.48. So we are reducing the overall\n\nChannel 1: Yeah.\n\nChannel 0: fee cost.\n\nChannel 1: Mhmm.\n\nChannel 0: It's just one of those things that we do have to account for. There's fees involved with everything, but we wanna make sure everything's working for you, that the fees make sense. I'm a big\n\nChannel 1: Mhmm.\n\nChannel 0: believer that I'm okay paying fees as long as I know what I'm paying for and as long as I'm getting what I want out of that as well. So we'll make sure things are working for you. You can talk to me as often as you like, and, you know, we can alter and adjust things as we need to as well. Okay?\n\nChannel 1: Very\n\nChannel 0: Excellent. Now with the portfolio, the investor portfolio, as we kinda talked about, we're reducing\n\nChannel 1: good.\n\nChannel 0: your risk level in the market, and we're reducing you back to the balanced growth portfolio, which when I look at the investments and how they have performed over the past year, five year rolling average, has actually performed greater than the growth portfolio you're in at the moment. So we do certainly hope that it can get this kind of return, although we know markets go up and down, and it's not always gonna be the 10.4%. But the portfolio I'm recommending has averaged this on a yearly basis as per my research. Okay?\n\nChannel 1: Yep. Excellent.\n\nChannel 0: Beautiful. And\n\nChannel 1: Oh.\n\nChannel 0: now I believe if you just sort of scroll up slightly, you should see the investment recommended accumulation and pension tables there as well. Can you see those?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. This is the actual investments that I'm essentially gonna put you into within the account. So we're reducing a bit of risk. We're still keeping some of the investments. So you will essentially once we complete the investment switch, we'll see your funds in cybersecurity, some exposure into Europe, so diversification across all 16 European countries, some exposure into the Japanese market there as well, only about 3%.\n\nWe have the Vanguard all world U x US investments. That's giving you exposure to global investment markets, not just current established markets, but also those up and coming as well. One of the biggest ways to mitigate market risk is to diversify. So this is one of the best ways to do so, and the Vanguard investment is low cost, well diversified, and has performed really well. So we wanna keep that global exposure for you.\n\nChannel 1: Mhmm.\n\nChannel 0: You'll also have some exposure in the S and P 500. I will also have the beta shares a 200, which is giving you access to the top 200 companies on the ASX. The S and P 500 gives you exposure into the top 500 companies on The US market. You'll see some physical gold in there as well. Physical gold has done really well, continues\n\nChannel 1: Yep.\n\nChannel 0: to do really well. It's growth in nature, but it's also defensive at times as well, so it works both ways. And we wanna see about 10% of your portfolio in that. Defensive low risk investments, we wanna see core composite bonds. So bonds are really great.\n\nThe core composite bond exposure here gives you access to exchange traded funds that provide exposure into the Australian bond market. So looking at\n\nChannel 1: Yep.\n\nChannel 0: bond markets, not just long term, but short term as well. And bonds are really good for income producing. So they pay dividend or coupon payments, which are paid into your super and your pension account, and then we can have those redistributed into the portfolio. For compounding in your pension account, they'll also help to draw down your regular pension payments as well. Okay?\n\nChannel 1: Very good.\n\nChannel 0: And the other thing we talked about was looking at a bit of defensive protection as well. So one of the things we have been hearing from the local economists is that we know inflation has been high within Australia, and they are expecting it to remain high moving forward as well for the next few months, possibly even longer. So I've also got in here the IRS government inflation ETF. This is bond, and these are inflation protected bonds. Because one of the big things is when inflation is very high, a fixed interest like bonds, they are affected.\n\nThey don't get returns that meet those sorts of high inflationary pressures, and the bond market actually sees a bit of a decrease. So by including the government inflation bonds, this is giving you access to, essentially, Australian government bonds designed to protect your investment against inflation. So, these sorts of investments having half in core composite, half in the government bonds means that when inflation's higher, you've got that inflation protection in the bond area, which means you still should expect really good returns. But then also when inflation's lower, not having all in the court in the government place and bonds having some core composite means that those other ones will see higher growth in the times when inflation's a bit lower. So it's about having defensive\n\nChannel 1: I\n\nChannel 0: assets,\n\nChannel 1: got\n\nChannel 0: but\n\nChannel 1: yep.\n\nChannel 0: also giving you some defensive protection based on where we see the country going at the moment with inflationary pressures. Does that make sense?\n\nChannel 1: Yep. Yep. I'm gonna get\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Beautiful. So that's essentially how you'll see things. As I kinda mentioned before, we'll open the pension account first. We'll do the drawdown first of the December, and then we'll do the switch on the investment. The reason\n\nChannel 1: Yeah.\n\nChannel 0: I'm doing it that way is because we'll split your money up so you'll only have the 16,000 sitting in the accumulation account and the rest in the pension account. By doing the investment switch after we've opened the pension account, it means that only the money in the super account in the accumulation side is gonna be affected by CGT. So when we switch investments within the pension phase, because there's no tax consequences, there's no CGT consequences either. So it means that you will save, either. So it means that you will save on tax within the super system, and you'll have more money after we complete the switch there as well.\n\nDoes that make sense? Yep. Do you have any questions? You're welcome to ask\n\nChannel 1: Yep.\n\nChannel 0: me anything\n\nChannel 1: Alright.\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: like.\n\nChannel 1: think\n\nChannel 0: I know\n\nChannel 1: I've\n\nChannel 0: it\n\nChannel 1: I've\n\nChannel 0: can be a lot\n\nChannel 1: I've I've\n\nChannel 0: to go through.\n\nChannel 1: probably outreached my maximum this morning.\n\nChannel 0: That's absolutely fine. That is essentially all I needed to go I needed to go through with you. I know it can be a lot, and I thank you so much for holding on to that one. I did sorta have a look back, and, essentially, with the overall CGT cost, we do expect them to be about we've averaged them out of that $1,600 it will be lower because we're moving money into pension phase first. But I've outlined all of that in the advice document for you.\n\nThis, you know, essentially puts you in a better position. It's a lower risk investment. It's got inflationary money down on a regular basis. You will hold the two accounts that are open. You can be putting money in and still building up your super whilst drawing down in a tax free environment and making\n\nChannel 1: Yeah.\n\nChannel 0: sure we claim the notice of intent there for you as well. So over as a whole, the strategy works to support your ongoing living expenses needs as well as providing additional growth there and lowering your overall risk of your portfolio. Does that make sense?\n\nChannel 1: Wonderful. Right? That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense to\n\nChannel 0: Beautiful.\n\nChannel 1: me.\n\nChannel 0: All good. Look. I will let you go to read that over as you need to. Let me know if there\n\nChannel 1: It\n\nChannel 0: is\n\nChannel 1: might\n\nChannel 0: any\n\nChannel 1: be a\n\nChannel 0: additional\n\nChannel 1: tomorrow job.\n\nChannel 0: questions. That's absolutely fine. All I'd probably ask is that if you wanna take on the recommendations, because we are so close to the end of the financial\n\nChannel 1: Yeah.\n\nChannel 0: year, if\n\nChannel 1: I'll\n\nChannel 0: we can\n\nChannel 1: I'll\n\nChannel 0: have\n\nChannel 1: sign\n\nChannel 0: that\n\nChannel 1: it\n\nChannel 0: sign\n\nChannel 1: today,\n\nChannel 0: of return\n\nChannel 1: but I'll\n\nChannel 0: before yeah. Just so we can get everything started for you, and I'll make sure my team knows that this is very time sensitive to get this moving ASAP. I'm also gonna send you a separate email\n\nChannel 1: yeah.\n\nChannel 0: shortly. I have some supporting documents to send through. It's just that\n\nChannel 1: Yeah.\n\nChannel 0: they wouldn't attach to that because it was quite a big document. So I'm gonna send a separate email with part of the statement, our financial services guide, and the appendix for you to also review as additional material if you're interested.\n\nChannel 1: Yep.\n\nChannel 0: And, like, as you when you've got time to read it over, let me know if there's any questions that come out of it. Happy to answer anything you like. You could email me or call me, and I'll make time. But, yeah, I'm looking forward to it. I really appreciate putting this together for you.\n\nI've really enjoyed doing the research and putting it together, and I know it's a lot to go through, but I thank you for bearing with me.\n\nChannel 1: Oh, I I appreciate you doing it whilst you're probably feeling like\n\nChannel 0: Okay.\n\nChannel 1: crap.\n\nChannel 0: It's honestly all good. It's all good. I'm actually really disappointed in my body. I was just like, no. This is horrible.\n\nI can't have my body falling apart at the end of June. It's a really inconvenient time. So no. All good. And, look, I'm off over the weekend anyway, so my body will have time to recover.\n\nI just needed to have enough downtime to make it so I could get out of bed and kind of get this sorted for you. And I really wanted to have it done before the end of today, and I'm so sorry that I rescheduled yesterday. It was not preferable, and I hated doing it. I just didn't want you to have half a document. I wanted to make sure it was right for you.\n\nSo\n\nChannel 1: Alright.\n\nChannel 0: yeah.\n\nChannel 1: I I appreciate all of your effort. Thank you very much. And I shall\n\nChannel 0: Oh,\n\nChannel 1: get\n\nChannel 0: my\n\nChannel 1: this\n\nChannel 0: pleasure.\n\nChannel 1: signed and back to you and move forward.\n\nChannel 0: Oh, thank you so much, Catherine. I'll let you go. I hope you have a good day.\n\nChannel 1: Thanks. I hope you're not too busy today.\n\nChannel 0: I hope not. You too. I had a downtime. Absolutely.\n\nChannel 1: Alright. Thanks,\n\nChannel 0: Oh,\n\nChannel 1: Donna.\n\nChannel 0: my pleasure. Have a great day. Say hi to Greg for me, and enjoy the rest of your week.\n\nChannel 1: Enjoy your weekend and rest up.\n\nChannel 0: I will. Thank you\n\nChannel 1: Alrighty.\n\nChannel 0: so much. I'll talk to you soon. See you later.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Thanks. Bye bye.","paragraphs":[{"sentences":[{"text":"Hey, Maddie.","start":1.68,"end":2.42,"sentiment":"neutral","sentiment_score":0.04925251007080078}],"sentiment":"neutral","sentiment_score":0.04925251007080078,"channel":0,"num_words":2,"start":1.68,"end":2.42},{"sentences":[{"text":"Hi, Dana.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.07980260625481606},{"text":"I've got Catherine Seba on the phone.","start":3.76,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.14789953934294836}],"sentiment":"neutral","sentiment_score":0.13276688754558563,"channel":1,"num_words":9,"start":3.04,"end":5.7799997},{"sentences":[{"text":"Perfect.","start":7.04,"end":7.54,"sentiment":"positive","sentiment_score":0.7225512266159058},{"text":"Thank you so much.","start":7.7599998,"end":9.139999,"sentiment":"positive","sentiment_score":0.7168568819761276},{"text":"Two seconds.","start":9.92,"end":10.719999,"sentiment":"neutral","sentiment_score":0.17097260057926178},{"text":"So sorry.","start":10.719999,"end":11.46,"sentiment":"neutral","sentiment_score":0.05294804833829403}],"sentiment":"positive","sentiment_score":0.4486466724839475,"channel":0,"num_words":9,"start":7.04,"end":11.46},{"sentences":[{"text":"All good.","start":11.92,"end":12.66,"sentiment":"neutral","sentiment_score":0.16564258188009262}],"sentiment":"neutral","sentiment_score":0.16564258188009262,"channel":1,"num_words":2,"start":11.92,"end":12.66},{"sentences":[{"text":"Oh, good.","start":14.795,"end":15.615,"sentiment":"neutral","sentiment_score":0.11543677747249603},{"text":"Just pulling it all back up.","start":17.915,"end":19.275,"sentiment":"neutral","sentiment_score":0.04847785085439682},{"text":"So","start":19.275,"end":19.435,"sentiment":"neutral","sentiment_score":-0.00764823704957962}],"sentiment":"neutral","sentiment_score":0.05712138033575482,"channel":0,"num_words":9,"start":14.795,"end":19.435},{"sentences":[{"text":"Have you received an email from the witness?","start":20.315,"end":22.415,"sentiment":"neutral","sentiment_score":-0.022764549707062542}],"sentiment":"neutral","sentiment_score":-0.022764549707062542,"channel":1,"num_words":8,"start":20.315,"end":22.415},{"sentences":[{"text":"no.","start":23.755,"end":24.075,"sentiment":"neutral","sentiment_score":-0.1464521288871765},{"text":"Nothing's come through.","start":24.075,"end":24.955,"sentiment":"neutral","sentiment_score":-0.14931648969650269},{"text":"Have you received anything?","start":24.955,"end":26.175,"sentiment":"neutral","sentiment_score":-0.07283824309706688}],"sentiment":"neutral","sentiment_score":-0.11071932129561901,"channel":0,"num_words":8,"start":23.755,"end":26.175},{"sentences":[{"text":"No.","start":26.73,"end":27.23,"sentiment":"neutral","sentiment_score":-0.1644746959209442},{"text":"I might give them a call and let them know that we haven't received the email.","start":29.529999,"end":33.309998,"sentiment":"neutral","sentiment_score":-0.15779507718980312}],"sentiment":"neutral","sentiment_score":-0.1581879959386938,"channel":1,"num_words":17,"start":26.73,"end":33.309998},{"sentences":[{"text":"Yeah.","start":34.28,"end":34.68,"sentiment":"neutral","sentiment_score":-0.14940589666366577},{"text":"That's a bit weird.","start":34.68,"end":35.48,"sentiment":"neutral","sentiment_score":-0.25466883927583694},{"text":"Hey.","start":35.48,"end":35.72,"sentiment":"neutral","sentiment_score":-0.1271078884601593},{"text":"Because they wanted it, like, ASAP, and nothing's come through.","start":35.72,"end":38.940002,"sentiment":"neutral","sentiment_score":-0.198358952999115}],"sentiment":"neutral","sentiment_score":-0.20492366701364517,"channel":0,"num_words":16,"start":34.28,"end":38.940002},{"sentences":[{"text":"Yeah.","start":39.465,"end":39.865,"sentiment":"neutral","sentiment_score":-0.18924134969711304},{"text":"I just feel maybe they've taken down our email wrong.","start":39.865,"end":43.005,"sentiment":"neutral","sentiment_score":-0.27561875283718107}],"sentiment":"neutral","sentiment_score":-0.26776626164262946,"channel":1,"num_words":11,"start":39.465,"end":43.005},{"sentences":[{"text":"Maybe.","start":44.234997,"end":44.734997,"sentiment":"neutral","sentiment_score":-0.17827355861663818},{"text":"Yeah.","start":44.875,"end":45.274998,"sentiment":"neutral","sentiment_score":-0.10741563886404036},{"text":"Oh god.","start":45.274998,"end":45.594997,"sentiment":"neutral","sentiment_score":-0.14944718033075333},{"text":"I wonder where she sent that to then.","start":45.594997,"end":47.274998,"sentiment":"neutral","sentiment_score":-0.15345442295074463},{"text":"Far","start":47.274998,"end":47.515,"sentiment":"neutral","sentiment_score":-0.10248319059610368}],"sentiment":"neutral","sentiment_score":-0.14728477941109583,"channel":0,"num_words":13,"start":44.234997,"end":47.515},{"sentences":[{"text":"Oh","start":47.465,"end":47.705,"sentiment":"neutral","sentiment_score":-0.07948736846446991}],"sentiment":"neutral","sentiment_score":-0.07948736846446991,"channel":1,"num_words":1,"start":47.465,"end":47.705},{"sentences":[{"text":"out.","start":47.515,"end":48.015,"sentiment":"neutral","sentiment_score":-0.07547762989997864}],"sentiment":"neutral","sentiment_score":-0.07547762989997864,"channel":0,"num_words":1,"start":47.515,"end":48.015},{"sentences":[{"text":"god.","start":47.705,"end":48.205,"sentiment":"neutral","sentiment_score":-0.06745772063732147}],"sentiment":"neutral","sentiment_score":-0.06745772063732147,"channel":1,"num_words":1,"start":47.705,"end":48.205},{"sentences":[{"text":"Could you imagine?","start":50.074997,"end":51.055,"sentiment":"neutral","sentiment_score":-0.03882608935236931},{"text":"Beautiful.","start":53.114998,"end":53.614998,"sentiment":"neutral","sentiment_score":0.17821833491325378},{"text":"Just sorry.","start":56.1,"end":57.94,"sentiment":"neutral","sentiment_score":-0.011190598830580713},{"text":"Christie's just fixing one thing.","start":57.94,"end":59.859997,"sentiment":"neutral","sentiment_score":-0.10311498194932937},{"text":"I'm just getting her to save it real quick because she didn't answer.","start":59.859997,"end":62.579998,"sentiment":"neutral","sentiment_score":-0.09658652114180419}],"sentiment":"neutral","sentiment_score":-0.07216003397479653,"channel":0,"num_words":24,"start":50.074997,"end":62.579998},{"sentences":[{"text":"She's like, oh, can I do one thing?","start":62.579998,"end":63.699997,"sentiment":"neutral","sentiment_score":-0.0838007009588182},{"text":"I'm like, absolutely.","start":63.699997,"end":64.6,"sentiment":"neutral","sentiment_score":-0.05050511285662651},{"text":"But she's gonna call back in a minute.","start":64.74,"end":66.259995,"sentiment":"neutral","sentiment_score":-0.025099489372223616},{"text":"I guarantee you.","start":66.259995,"end":67.4,"sentiment":"neutral","sentiment_score":0.015488766754666964}],"sentiment":"neutral","sentiment_score":-0.04437502549791878,"channel":0,"num_words":22,"start":62.579998,"end":67.4},{"sentences":[{"text":"Yeah.","start":67.595,"end":67.995,"sentiment":"neutral","sentiment_score":0.01570279337465763},{"text":"For sure.","start":67.995,"end":68.735,"sentiment":"neutral","sentiment_score":0.01742278877645731}],"sentiment":"neutral","sentiment_score":0.016849456975857418,"channel":1,"num_words":3,"start":67.595,"end":68.735},{"sentences":[{"text":"Again alright.","start":71.314995,"end":72.935,"sentiment":"neutral","sentiment_score":0.054263636469841},{"text":"Fine.","start":73.075,"end":73.555,"sentiment":"neutral","sentiment_score":0.10636758804321288},{"text":"You can see that.","start":73.555,"end":74.615,"sentiment":"neutral","sentiment_score":0.10097569227218628},{"text":"Perfect.","start":75.715,"end":76.215,"sentiment":"neutral","sentiment_score":0.26868516206741333},{"text":"Okay.","start":95.67,"end":95.99,"sentiment":"neutral","sentiment_score":0.1306538283824921}],"sentiment":"neutral","sentiment_score":0.1131262911690606,"channel":0,"num_words":9,"start":71.314995,"end":95.99},{"sentences":[{"text":"Cool.","start":95.99,"end":96.39,"sentiment":"neutral","sentiment_score":0.15915091335773468},{"text":"You can transfer her through whenever you're ready.","start":96.39,"end":98.729996,"sentiment":"neutral","sentiment_score":0.12558965478092432}],"sentiment":"neutral","sentiment_score":0.12931868351168102,"channel":0,"num_words":9,"start":95.99,"end":98.729996},{"sentences":[{"text":"Beautiful.","start":99.240005,"end":99.740005,"sentiment":"neutral","sentiment_score":0.2573814392089844},{"text":"You've got Catherine in 321.","start":99.8,"end":101.98,"sentiment":"neutral","sentiment_score":0.09172777235507965}],"sentiment":"neutral","sentiment_score":0.11933671683073044,"channel":1,"num_words":6,"start":99.240005,"end":101.98},{"sentences":[{"text":"Hi, How are you this morning?","start":104.005,"end":106.025,"sentiment":"neutral","sentiment_score":0.0676917986323436}],"sentiment":"neutral","sentiment_score":0.0676917986323436,"channel":0,"num_words":6,"start":104.005,"end":106.025},{"sentences":[{"text":"I'm so 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beautiful.","start":1051.265,"end":1052.085,"sentiment":"neutral","sentiment_score":0.23176259547472}],"sentiment":"neutral","sentiment_score":0.16934764881928763,"channel":0,"num_words":3,"start":1050.225,"end":1052.085},{"sentences":[{"text":"Taking a long time.","start":1061.275,"end":1062.735,"sentiment":"neutral","sentiment_score":0.0337462043389678},{"text":"Page 13.","start":1064.395,"end":1065.375,"sentiment":"neutral","sentiment_score":0.017542303539812565},{"text":"Yeah.","start":1069.59,"end":1069.75,"sentiment":"neutral","sentiment_score":0.012881806120276453},{"text":"I've got my proper glasses on.","start":1069.75,"end":1071.11,"sentiment":"neutral","sentiment_score":0.029086069203913212},{"text":"I can probably see it on my 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page.","start":1090.515,"end":1092.94,"sentiment":"neutral","sentiment_score":0.011305564881435462},{"text":"Yours might have added one extra page on there.","start":1092.94,"end":1095.26,"sentiment":"neutral","sentiment_score":0.013990393839776516},{"text":"So it might be paid","start":1095.26,"end":1096.14,"sentiment":"neutral","sentiment_score":0.010437504947185516}],"sentiment":"neutral","sentiment_score":0.012746399437839335,"channel":0,"num_words":22,"start":1088.915,"end":1096.14},{"sentences":[{"text":"Yes.","start":1096.125,"end":1096.625,"sentiment":"neutral","sentiment_score":0.02566739358007908}],"sentiment":"neutral","sentiment_score":0.02566739358007908,"channel":1,"num_words":1,"start":1096.125,"end":1096.625},{"sentences":[{"text":"13 14 for yourself.","start":1096.14,"end":1097.76,"sentiment":"neutral","sentiment_score":0.02335013961419463},{"text":"So we've got strategy recommendations here ending 2526.","start":1097.98,"end":1102.24,"sentiment":"neutral","sentiment_score":0.04002838348969817}],"sentiment":"neutral","sentiment_score":0.034468968864530325,"channel":0,"num_words":12,"start":1096.14,"end":1102.24},{"sentences":[{"text":"Yes.","start":1107.4,"end":1107.9,"sentiment":"neutral","sentiment_score":0.1252504140138626}],"sentiment":"neutral","sentiment_score":0.1252504140138626,"channel":1,"num_words":1,"start":1107.4,"end":1107.9},{"sentences":[{"text":"Yep.","start":1108.9349,"end":1109.335,"sentiment":"neutral","sentiment_score":0.2102125883102417},{"text":"Beautiful.","start":1109.335,"end":1109.835,"sentiment":"positive","sentiment_score":0.3911334276199341},{"text":"So with this one here, start the recommendations.","start":1110.615,"end":1112.795,"sentiment":"neutral","sentiment_score":0.19979465007781982},{"text":"We'll start by retaining your hub twenty four super account.","start":1113.095,"end":1116.315,"sentiment":"neutral","sentiment_score":0.1163958378136158},{"text":"I did have a look at all the other options for super out there.","start":1116.455,"end":1119.095,"sentiment":"neutral","sentiment_score":0.10490961000323296}],"sentiment":"neutral","sentiment_score":0.1421292980804163,"channel":0,"num_words":34,"start":1108.9349,"end":1119.095},{"sentences":[{"text":"Just make sure hub twenty four is still preferable.","start":1119.095,"end":1121.275,"sentiment":"neutral","sentiment_score":0.0676940493285656},{"text":"Hub twenty four is still the best option.","start":1121.75,"end":1124.17,"sentiment":"neutral","sentiment_score":0.09163921140134335},{"text":"And if we","start":1124.39,"end":1125.03,"sentiment":"neutral","sentiment_score":0.07328551510969798}],"sentiment":"neutral","sentiment_score":0.07811083402484656,"channel":0,"num_words":20,"start":1119.095,"end":1125.03},{"sentences":[{"text":"Yep.","start":1124.86,"end":1125.36,"sentiment":"neutral","sentiment_score":0.055299337953329086}],"sentiment":"neutral","sentiment_score":0.055299337953329086,"channel":1,"num_words":1,"start":1124.86,"end":1125.36},{"sentences":[{"text":"look to move into any other super fund out there, we would have to complete a full sell down, which means it's the highest EGT cost for your super fund.","start":1125.03,"end":1133.1901,"sentiment":"neutral","sentiment_score":0.040391692767540614},{"text":"So retaining hub twenty four does work out to be more cost 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averaging.","start":2035.54,"end":2041.4,"sentiment":"neutral","sentiment_score":0.24618811834426152},{"text":"So putting regular amounts into the super","start":2041.4601,"end":2043.7001,"sentiment":"neutral","sentiment_score":0.2714536998953138}],"sentiment":"neutral","sentiment_score":0.2525045137320246,"channel":0,"num_words":28,"start":2035.54,"end":2043.7001},{"sentences":[{"text":"Yeah.","start":2043.605,"end":2044.05,"sentiment":"neutral","sentiment_score":0.16572695970535278}],"sentiment":"neutral","sentiment_score":0.16572695970535278,"channel":1,"num_words":1,"start":2043.605,"end":2044.05},{"sentences":[{"text":"fund over a period of time, which helps to even out the investment returns.","start":2043.7001,"end":2047.665,"sentiment":"neutral","sentiment_score":0.29950869722025736},{"text":"It can provide greater growth, and you take advantage of the market ups and downs as 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on projected income stream.","start":2096.7102,"end":2098.31,"sentiment":"neutral","sentiment_score":0.0001043613301590085},{"text":"Is that right?","start":2098.31,"end":2099.1301,"sentiment":"neutral","sentiment_score":0.012965701520442963}],"sentiment":"neutral","sentiment_score":0.004927363901515491,"channel":1,"num_words":8,"start":2096.7102,"end":2099.1301},{"sentences":[{"text":"What page are you on?","start":2100.6602,"end":2101.9402,"sentiment":"neutral","sentiment_score":-0.007711807638406754},{"text":"What's the heading on that one?","start":2101.9402,"end":2103.4001,"sentiment":"neutral","sentiment_score":-0.0024380882581075034}],"sentiment":"neutral","sentiment_score":-0.0048352334309707985,"channel":0,"num_words":11,"start":2100.6602,"end":2103.4001},{"sentences":[{"text":"Projected in income stream.","start":2104.1501,"end":2105.6702,"sentiment":"neutral","sentiment_score":-0.008887806558050215},{"text":"I've gone too far, I 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I keep going, then I get to we recommend that you establish beneficiary nominations on your hub account 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I believe if you just sort of scroll up slightly, you should see the investment recommended accumulation and pension tables there as well.","start":2859.0,"end":2868.3599,"sentiment":"neutral","sentiment_score":0.08243673263738553},{"text":"Can you see those?","start":2868.3599,"end":2869.5798,"sentiment":"neutral","sentiment_score":0.05065615102648735}],"sentiment":"neutral","sentiment_score":0.07789664955011436,"channel":0,"num_words":28,"start":2859.0,"end":2869.5798},{"sentences":[{"text":"Yep.","start":2869.885,"end":2870.385,"sentiment":"neutral","sentiment_score":0.181766614317894}],"sentiment":"neutral","sentiment_score":0.181766614317894,"channel":1,"num_words":1,"start":2869.885,"end":2870.385},{"sentences":[{"text":"Beautiful.","start":2871.455,"end":2871.955,"sentiment":"positive","sentiment_score":0.4894108176231384},{"text":"This is the actual investments that I'm essentially gonna put you into within the 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and back to you and move forward.","start":3325.55,"end":3327.965,"sentiment":"positive","sentiment_score":0.42593659088015556}],"sentiment":"positive","sentiment_score":0.42593659088015556,"channel":1,"num_words":8,"start":3325.55,"end":3327.965},{"sentences":[{"text":"Oh, thank you so much, Catherine.","start":3328.5652,"end":3330.405,"sentiment":"positive","sentiment_score":0.6661917269229889},{"text":"I'll let you go.","start":3330.405,"end":3331.125,"sentiment":"positive","sentiment_score":0.6376516073942184},{"text":"I hope you have a good day.","start":3331.125,"end":3332.665,"sentiment":"positive","sentiment_score":0.6879638433456421}],"sentiment":"positive","sentiment_score":0.6684413937961354,"channel":0,"num_words":17,"start":3328.5652,"end":3332.665},{"sentences":[{"text":"Thanks.","start":3333.145,"end":3333.645,"sentiment":"positive","sentiment_score":0.5436510443687439},{"text":"I hope you're not too busy 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downtime.","start":3338.97,"end":3339.87,"sentiment":"neutral","sentiment_score":0.12311056535691023},{"text":"Absolutely.","start":3340.1702,"end":3340.6702,"sentiment":"positive","sentiment_score":0.3397480249404907}],"sentiment":"neutral","sentiment_score":0.10818260945379735,"channel":0,"num_words":10,"start":3337.69,"end":3340.6702},{"sentences":[{"text":"Alright.","start":3342.92,"end":3343.4,"sentiment":"neutral","sentiment_score":0.30130431056022644},{"text":"Thanks,","start":3343.4,"end":3343.8,"sentiment":"positive","sentiment_score":0.5944507718086243}],"sentiment":"positive","sentiment_score":0.44787754118442535,"channel":1,"num_words":2,"start":3342.92,"end":3343.8},{"sentences":[{"text":"Oh,","start":3343.45,"end":3343.95,"sentiment":"positive","sentiment_score":0.5583364963531494}],"sentiment":"positive","sentiment_score":0.5583364963531494,"channel":0,"num_words":1,"start":3343.45,"end":3343.95},{"sentences":[{"text":"Donna.","start":3343.8,"end":3344.3,"sentiment":"positive","sentiment_score":0.5701059103012085}],"sentiment":"positive","sentiment_score":0.5701059103012085,"channel":1,"num_words":1,"start":3343.8,"end":3344.3},{"sentences":[{"text":"my pleasure.","start":3345.05,"end":3345.69,"sentiment":"positive","sentiment_score":0.7608678936958313},{"text":"Have a great day.","start":3345.69,"end":3346.57,"sentiment":"positive","sentiment_score":0.7728466391563416},{"text":"Say hi to Greg for me, and enjoy the rest of your week.","start":3346.57,"end":3349.79,"sentiment":"positive","sentiment_score":0.6432609558105469}],"sentiment":"positive","sentiment_score":0.6829218299765336,"channel":0,"num_words":19,"start":3345.05,"end":3349.79},{"sentences":[{"text":"Enjoy your weekend and rest up.","start":3350.3599,"end":3352.515,"sentiment":"positive","sentiment_score":0.6576534608999888}],"sentiment":"positive","sentiment_score":0.6576534608999888,"channel":1,"num_words":6,"start":3350.3599,"end":3352.515},{"sentences":[{"text":"I will.","start":3352.2952,"end":3352.955,"sentiment":"positive","sentiment_score":0.36879225075244904},{"text":"Thank 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They provide advice on retirement planning, estate planning, and retirement savings, including retirement savings and pension contributions. The speaker emphasizes the importance of retaining a certain account and moving money into a pension account before the end of the current financial year. They also discuss the process for setting up a retirement plan and decreasing risk levels for the customer. The speaker emphasizes the benefits of a pension account and reducing risk levels for the customer, including savings for growth and growth in the future."},"intents":{"segments":[{"text":"So Have you received an email from the witness? no. Nothing's come through. Have you received anything? No. I might give them a call and let them know that we haven't received the email. Yeah.","start_word":30,"end_word":64,"intents":[{"intent":"Receive email","confidence_score":0.02106549}]},{"text":"Christie's just fixing one thing. I'm just getting her to save it real quick because she didn't answer. She's like, oh, can I do one thing? I'm like, absolutely. But she's gonna call back in a minute. I guarantee you.","start_word":113,"end_word":152,"intents":[{"intent":"Fix account","confidence_score":0.00097553304}]},{"text":"You can transfer her through whenever you're ready. Beautiful.","start_word":166,"end_word":174,"intents":[{"intent":"Transfer call to katie seba","confidence_score":0.0003855205}]},{"text":"As long as long I as you're did feeling better. I am.","start_word":250,"end_word":261,"intents":[{"intent":"Ensure good health","confidence_score":0.00023392327}]},{"text":"I did my back in on the weekend, and Monday, Tuesday, I was laid up. I could not move, couldn't do anything. And then I think I'm coming down with a cold as well. And I was like, of course, it's happening that way. Of course, I'm getting sick. Of Yeah. course.","start_word":264,"end_word":315,"intents":[{"intent":"Reschedule due to illness","confidence_score":0.0000014445698}]},{"text":"That's end of financial year. What else do you expect?","start_word":316,"end_word":325,"intents":[{"intent":"Understand financial situation","confidence_score":0.027063467}]},{"text":"I had to get in tomorrow yesterday morning so we could finalize everything for you and make sure you have this today.","start_word":340,"end_word":361,"intents":[{"intent":"Finalize plan","confidence_score":0.3888633}]},{"text":"have that that plan ready to go so you can review it prior to taking the recommendations there.","start_word":381,"end_word":398,"intents":[{"intent":"Review plan","confidence_score":0.6120181}]},{"text":"Are you able to jump into your emails? If you're not, that's okay. I can just run you through it, but I just wanted to see if you are able to at all.","start_word":407,"end_word":439,"intents":[{"intent":"Check availability","confidence_score":0.0046610627}]},{"text":"On the bottom of that page has been prepared by myself and my beautiful team here at Okey Financial, and it's got my authorized representative number of 1304394 there for you. If you scroll Brilliant.","start_word":847,"end_word":881,"intents":[{"intent":"Resolve issues at okey financial","confidence_score":1.01222874e-7}]},{"text":"So looking at how your super is working effectively for you so you can continue to make those deductible contributions on a monthly basis of $2,000 per month, Looking at how you can draw down some income there for you, how to structure that, the investments within inside those accounts.","start_word":924,"end_word":973,"intents":[{"intent":"Gather information and advise on how to make deductible contributions","confidence_score":0.0000010964795},{"intent":"Structure assets and pension accounts","confidence_score":0.00021802376}]},{"text":"To make this a bit easier, if I just get you to scroll down for me to page number 13, I'll start taking you through the recommendations. You're welcome to ask any questions you have as we're running through them, and I'll just kind of explain what I'm recommending, how that works, and the Yeah.","start_word":1308,"end_word":1362,"intents":[{"intent":"Explain recommendations","confidence_score":0.0115677435}]},{"text":"You're So welcome to I am take about it back and read it later. It's fine.","start_word":1395,"end_word":1410,"intents":[{"intent":"Get a hold","confidence_score":0.0000047913104}]},{"text":"do you mind staying on the line, or do you want me to ring you back? Yeah.","start_word":1423,"end_word":1439,"intents":[{"intent":"Stay on line","confidence_score":0.13831836}]},{"text":"and are you finding that you've got time to do day trips out and explore a little bit while you're up there? 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Oh, thank you.","start_word":2059,"end_word":2079,"intents":[{"intent":"Fix gmail issue","confidence_score":0.08443067}]},{"text":"So we're gonna retain the super fund of the accumulation account as it is within hub twenty four, and we're gonna open up a separate account based pension account. So, Yep.","start_word":2378,"end_word":2408,"intents":[{"intent":"Retain super fund","confidence_score":0.27901515}]},{"text":"So we kind of wanna have this done before the end of the financial year so you can draw down that Yeah.","start_word":2484,"end_word":2505,"intents":[{"intent":"Draw down payment","confidence_score":0.17632009}]},{"text":"My power plan has noted you paid that 5,000 in there. We've reclaimed the notice of intent for that, so it doesn't need to happen.","start_word":2762,"end_word":2786,"intents":[{"intent":"Reclaim notice","confidence_score":0.15715441}]},{"text":"My power plan has noted you paid that 5,000 in there. We've reclaimed the notice of intent for that, so it doesn't need to happen. But my power noticed Oh, it, yeah. and she wanted to make sure that that was accounted for.","start_word":2762,"end_word":2804,"intents":[{"intent":"Verify account status","confidence_score":0.035424113}]},{"text":"I know it's the best interest, Judy, is essentially my justification of the strategy and relating that back to your goal and how that works in your best interest for you.","start_word":2896,"end_word":2926,"intents":[{"intent":"Recommend strategy","confidence_score":0.0014179043}]},{"text":"So I'll let you have a really good read through all those sections shortly.","start_word":2927,"end_word":2940,"intents":[{"intent":"Request callback","confidence_score":0.000019434252}]},{"text":"The next slide outlines all the advantages, disadvantages, and the risks involved.","start_word":3004,"end_word":3015,"intents":[{"intent":"Explain benefits","confidence_score":0.06702811}]},{"text":"What'll happen is once we open the pension account, my team will confirm with you what day you want the December, we probably just have drawn out as a one off transaction, so we initiate that for Yes. you.","start_word":3111,"end_word":3149,"intents":[{"intent":"Initiate transaction","confidence_score":0.13325736}]},{"text":"When you do get some time, have a read through the advantages, disadvantages, the risks involved.","start_word":3210,"end_word":3225,"intents":[{"intent":"Discuss advantages","confidence_score":0.014582964},{"intent":"Review disadvantages","confidence_score":0.02654592}]},{"text":"But I've also restructured the investments, and I'll show you those shortly to make sure your investments are taking on lower risk, but also providing good returns and also factoring in the fees for the investments as well. Okay?","start_word":3357,"end_word":3395,"intents":[{"intent":"Restructure investments","confidence_score":0.28577283}]},{"text":"The next page outlines any risks of associated with the recommendations made and any alternatives that I've considered as well.","start_word":3397,"end_word":3416,"intents":[{"intent":"Discuss risks","confidence_score":0.2918813},{"intent":"Discuss risks","confidence_score":0.6560735}]},{"text":"So I note down alternative strategies that I may have looked at, considered as part of the advice.","start_word":3417,"end_word":3434,"intents":[{"intent":"Review alternatives","confidence_score":0.005571041}]},{"text":"I also considered looking at a TTR strategy. However, TTR pensions have the same tax consequences as super. And because you're no longer working, you can take advantage of a full account based pension, so this works out to be more advantage for you. Okay?","start_word":3520,"end_word":3564,"intents":[{"intent":"Recommend tr strategy","confidence_score":0.078809485}]},{"text":"When we do the pension Alec pension application, we do nominate a date that you wanna see those pension payments starting. As of the July 1, is there a certain day or date or time of the month that you would like to receive those pension payments, John, to hit your bank account? Yeah.","start_word":3943,"end_word":3996,"intents":[{"intent":"Make pension contributions","confidence_score":0.0014407411}]},{"text":"So the way I like to sort of note it is concessional means that tax is taken out. So when a concessional contribution hits your super fund, they take 15% tax out of that straight away. With a non concessional contribution, the money goes in. It is a 100% invested Yep. deductible contribution, it goes in non concessional, and then we change that to concessional by adding that notice of intent. Yes.","start_word":4249,"end_word":4320,"intents":[{"intent":"Rename contribution as concessional","confidence_score":0.0012691066}]},{"text":"can essentially have that contribution going in on a yearly on a monthly basis or however often you wanna make it. And at the end of the financial year, we can then look at how much you've made as a total and then claim the whole amount under that notice of intent. Does that make sense?","start_word":4407,"end_word":4462,"intents":[{"intent":"Specify contribution amount","confidence_score":0.018460548},{"intent":"Clarify contribution amount","confidence_score":0.07689958},{"intent":"Clarify contribution amount","confidence_score":0.050761838},{"intent":"Confirm contribution amount","confidence_score":0.0068197986}]},{"text":"Ask any question you like.","start_word":4471,"end_word":4475,"intents":[{"intent":"Ask question","confidence_score":0.0372313}]},{"text":"They essentially, we just started to get out of the as of the July 1. We'll make sure your pension payments are being drawn down $3,000 per month into your nominated bank account, and my team will give you a call and get those bank account details off you.","start_word":4487,"end_word":4535,"intents":[{"intent":"Clarify withdrawal plan","confidence_score":0.000062975574}]},{"text":"If you decide you wanna put more in, that's absolutely fine as long as we don't go over the cap.","start_word":4600,"end_word":4619,"intents":[{"intent":"Confirm acceptance of additional contribution","confidence_score":0.00004891237}]},{"text":"We can also just be doing $2,000 on a regular monthly basis.","start_word":4621,"end_word":4632,"intents":[{"intent":"Plan portfolio and reschedule","confidence_score":0.0002174994}]},{"text":"And then the last part of that strategy is that we're gonna also do an investment switch.","start_word":4679,"end_word":4695,"intents":[{"intent":"Discuss investment switch","confidence_score":0.041181248}]},{"text":"I went back and had a really good look at your portfolio, how it has been working, and also made a recommendation to alter the portfolio, a, to reduce your risk level, but, b, to also consider defensive assets and how economists believe Australia is gonna go with the high inflation over the next few months as well.","start_word":4854,"end_word":4911,"intents":[{"intent":"Adjust portfolio","confidence_score":0.0040779836},{"intent":"Consider defensive assets","confidence_score":0.45204917},{"intent":"Consider portfolio changes and factors","confidence_score":0.0000031844359},{"intent":"Consider portfolio changes and recommendations","confidence_score":0.004990896}]},{"text":"and how they do work in your best interest, making sure you've got regular income.","start_word":4962,"end_word":4976,"intents":[{"intent":"Consider regular income","confidence_score":0.07545959}]},{"text":"You will be traveling after you leave, and you're always gonna have access to, you know, being able to give me a call and request drawdown.","start_word":4977,"end_word":5002,"intents":[{"intent":"Request call","confidence_score":0.1960005}]},{"text":"So you can do it as a b pay transfer or an ETF transfer on a reg like, set up regularly to come out automatically on your bank account, or you can opt to do it as regularly as you would like. Or if you wanna hold off and do it at the end of the year, you absolutely can.","start_word":5093,"end_word":5152,"intents":[{"intent":"Discuss bank account options","confidence_score":0.018387578}]},{"text":"This is just based on the current recommendations with no additional changes Yeah.","start_word":5495,"end_word":5507,"intents":[{"intent":"Evaluate advisers' recommendations","confidence_score":0.00013972801}]},{"text":"if I keep going, then I get to we recommend that you establish beneficiary nominations on your hub account pension. Beautiful. Yeah.","start_word":5742,"end_word":5763,"intents":[{"intent":"Establish beneficiary nominations","confidence_score":0.36523038}]},{"text":"With pension accounts, I'm recommending what's called a reversionary beneficiary. This essentially means that in the event of you passing, your pension payments will continue to then be distributed to grace with no stopping point. So with Okay.","start_word":5839,"end_word":5876,"intents":[{"intent":"Recommend reversionary beneficiary","confidence_score":0.5923638},{"intent":"Inform about reversionary beneficiary","confidence_score":0.005814918}]},{"text":"a reversionary beneficiary, and you can only apply these to pension accounts, essentially, if you're receiving that $36,000 on a yearly basis and it's going to you, if you would then pass away, those regular pension payments of $3,000 per month do not stop. They continue to keep being paid, and they just get paid to Greg automatically.","start_word":5947,"end_word":6004,"intents":[{"intent":"Apply benefits to pension accounts","confidence_score":0.2840447}]},{"text":"So having a reversionary Alright. benefit And the cost of living beneficiary on his own is cheap, you know, on his own is absolutely. because it's because it's because it's it's living with me.","start_word":6083,"end_word":6116,"intents":[{"intent":"Explain cost of living beneficiary","confidence_score":0.1687206}]},{"text":"And a lot of that would just continue the same way. So this just keeps his pension payments going and doesn't stop to make it easier on him. Does that make sense?","start_word":6120,"end_word":6151,"intents":[{"intent":"Consolidate pension payments","confidence_score":0.018538134}]},{"text":"Now if I can just get you to scroll back up for me, just back up past the income drawdown section, you will see three tables with investment recommendations. Yes.","start_word":6468,"end_word":6497,"intents":[{"intent":"Recommend investment tables","confidence_score":0.065925695}]},{"text":"And whilst your return can slightly differ, essentially, when we look at your the portfolio and that you're in and utilize a five year rolling average, it's averaged about 9.62% over the last five years.","start_word":6639,"end_word":6673,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.08090302},{"intent":"Discuss portfolio portfolio usage","confidence_score":0.00020091083},{"intent":"Provide portfolio information","confidence_score":0.0077899806}]},{"text":"Admittedly, it could be different to what your portfolio has received because you've also got money coming and going at different times, so fees coming in and going out. You've also got, you know, your contributions going in, coming out at different times as well. So it does affect the return, but this is just showing you based on research, this is what the average has been for that portfolio over the past five years. Yep.","start_word":6841,"end_word":6916,"intents":[{"intent":"Analyze portfolio returns","confidence_score":0.010992325}]},{"text":"And then the adviser fee, which is a 1.65%, we just have that prorated across both the accounts there for you as well. Okay?","start_word":7212,"end_word":7235,"intents":[{"intent":"Providing information about fees","confidence_score":0.0036983367}]},{"text":"We try to limit and reduce them as much as possible, Yep.","start_word":7314,"end_word":7325,"intents":[{"intent":"Reducing fees","confidence_score":0.121166915}]},{"text":"It's just one of those things that we do have to account for. There's fees involved with everything, but we wanna make sure everything's working for you, that the fees make sense.","start_word":7450,"end_word":7481,"intents":[{"intent":"Clarifying fees","confidence_score":0.0019191365}]},{"text":"Now with the portfolio, the investor portfolio, as we kinda talked about, we're reducing good. your risk level in the market, and we're reducing you back to the balanced growth portfolio, which when I look at the investments and how they have performed over the past year, five year rolling average, has actually performed greater than the growth portfolio you're in at the moment.","start_word":7553,"end_word":7616,"intents":[{"intent":"Reducing risk","confidence_score":0.287657}]},{"text":"But the portfolio I'm recommending has averaged this on a yearly basis as per my research. Okay? Yep.","start_word":7645,"end_word":7662,"intents":[{"intent":"Optimizing portfolio performance","confidence_score":0.01007039}]},{"text":"We're still keeping some of the investments. So you will essentially once we complete the investment switch, we'll see your funds in cybersecurity, some exposure into Europe, so diversification across all 16 European countries, some exposure into the Japanese market there as well, only about 3%.","start_word":7719,"end_word":7764,"intents":[{"intent":"Maintaining investments","confidence_score":0.03410264}]},{"text":"One of the biggest ways to mitigate market risk is to diversify. So this is one of the best ways to do so, and the Vanguard investment is low cost, well diversified, and has performed really well. So we wanna keep that global exposure for you. Mhmm.","start_word":7796,"end_word":7842,"intents":[{"intent":"Keeping portfolio diversification","confidence_score":0.08188548}]},{"text":"So we wanna keep that global exposure for you. Mhmm.","start_word":7833,"end_word":7842,"intents":[{"intent":"Keeping global exposure","confidence_score":0.3092321}]},{"text":"You'll also have some exposure in the S and P 500. I will also have the beta shares a 200, which is giving you access to the top 200 companies on the ASX. The S and P 500 gives you exposure into the top 500 companies on The US market.","start_word":7843,"end_word":7892,"intents":[{"intent":"Moving to s&p 500","confidence_score":0.0005595756}]},{"text":"bond markets, not just long term, but short term as well. And bonds are really good for income producing. So they pay dividend or coupon payments, which are paid into your super and your pension account, and then we can have those redistributed into the portfolio. For compounding in your pension account, they'll also help to draw down your regular pension payments as well. Okay? Very good.","start_word":7982,"end_word":8048,"intents":[{"intent":"Explore bond markets","confidence_score":0.027322719}]},{"text":"So over as a whole, the strategy works to support your ongoing living expenses needs as well as providing additional growth there and lowering your overall risk of your portfolio. Does that make sense?","start_word":8666,"end_word":8699,"intents":[{"intent":"Manage portfolio growth","confidence_score":0.0057747033}]},{"text":"All I'd probably ask is that if you wanna take on the recommendations, because we are so close to the end of the financial Yeah.","start_word":8743,"end_word":8767,"intents":[{"intent":"Discuss financial recommendations","confidence_score":0.049124796}]}]},"sentiments":{"segments":[{"text":"Hey, Maddie. Hi, Dana. I've got Catherine Seba on the phone.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.11173546314239502},{"text":"Perfect. Thank you so much.","start_word":11,"end_word":15,"sentiment":"positive","sentiment_score":0.7113285660743713},{"text":"Two seconds. So sorry. All good. Oh, good. Just pulling it all back up. So Have you received an email from the witness? no. Nothing's come through. Have you received anything? No. I might give them a call and let them know that we haven't received the email. Yeah. That's a bit weird. Hey. Because they wanted it, like, ASAP, and nothing's come through. Yeah. I just feel maybe they've taken down our email wrong. Maybe. Yeah. Oh god. I wonder where she sent that to then. Far Oh out. god. Could you imagine? Beautiful. Just sorry. Christie's just fixing one thing. I'm just getting her to save it real quick because she didn't answer. She's like, oh, can I do one thing? I'm like, absolutely. But she's gonna call back in a minute. I guarantee you. Yeah. For sure. Again alright. Fine. You can see that. Perfect. Okay. Cool. You can transfer her through whenever you're ready. Beautiful. You've got Catherine in 321. Hi, How are you this morning? I'm so sorry. They were No. trying to You're take absolutely blood. I got here fine. early, and they couldn't find a vein, and I'm like, oh. How are you more importantly? I'm okay. Thank you so much for asking. I am so sorry we had to reschedule yesterday. I do honestly apologize about that. No problem. It's not No good. problem at all. As long as long I as you're did feeling better. I am. Thank you. I did my back in on the weekend, and Monday, Tuesday, I was laid up. I could not move, couldn't do anything. And then I think I'm coming down with a cold as well. And I was like, of course, it's happening that way. Of course, I'm getting sick. Of Yeah. course. That's end of financial year. What else do you expect? Yeah. That's it. No. I said, Nada, I have to be in the office. I had to get in tomorrow yesterday morning so we could finalize everything for you and make sure you have this today. That way you've got time because it is very time sensitive. So I wanted to make sure you Yeah.","start_word":16,"end_word":380,"sentiment":"neutral","sentiment_score":-0.0429788666841102},{"text":"have that that plan ready to go so you can review it prior to taking the recommendations there.","start_word":381,"end_word":398,"sentiment":"positive","sentiment_score":0.3783295452594757},{"text":"I'm just sending a copy through to you. Are you able to jump into your emails? If you're not, that's okay. I can just run you through it, but I just wanted to see if you are able to at all. I I can, but I don't I brought my sunglasses, not my bloody other glasses, and Greg just Greg was supposed to just wait outside and pick me up, but he's obviously gone to get the phone changed because he Oh, sounded that's like okay. he was Ethan. Yeah. I have got I have got access to my email. Oh, that's okay. I'm pressing send on the document now just so you can kind of have a look at it with you. Just often easier if you can see the Yeah. document. But if you can't, I can I'm happy just to run through and let you Yeah. review No. later. I It's should just yeah. generally No. Well, easier. I'm seeing this so I'm I'll they sort of in front of me. Absolutely. It's just pressing send now.","start_word":399,"end_word":578,"sentiment":"neutral","sentiment_score":0.06731841713190079},{"text":"Hopefully, it comes through fairly quickly. Love technology.","start_word":579,"end_word":586,"sentiment":"positive","sentiment_score":0.3951106071472168},{"text":"It It has a moment, doesn't it? Right when it works. does. It does. How's everything going for you guys at the moment? How are you going up there? Yeah. It's interesting. It's busy. Yeah. We we Yeah. we really That's haven't good. had much time to ourselves, but we've done one. We went to the, Bundy facility. Apart from Yeah. that, we've been to the shop. That's it. We've been Oh, here three wow. weeks. Yeah. So Wow. but, you Crazy. know, it's rather busy. Yeah. Yeah. Now that should it tells me it tells me it's sent. So, hopefully, it should come through to you in a moment. If Okay. technology Greg is working our way, that is. alright. Greg's just pulling up, so I'm just getting in the car. So that's Yeah.","start_word":587,"end_word":721,"sentiment":"neutral","sentiment_score":0.024968240768821152},{"text":"You're right. all good.","start_word":722,"end_word":725,"sentiment":"positive","sentiment_score":0.46377360820770264},{"text":"Hello? I've just got Dana on the phone. Hi. How are you? Hi, Greg. How are you?","start_word":726,"end_word":742,"sentiment":"neutral","sentiment_score":0.24431075155735016},{"text":"I'm very well. Thank you.","start_word":743,"end_word":747,"sentiment":"positive","sentiment_score":0.5974219441413879},{"text":"So is it from Christie? Yep. Yep. She's my Okay. power planner. Yeah. That's right. That's right. I have it. So advise me attach statement.","start_word":748,"end_word":772,"sentiment":"neutral","sentiment_score":0.1554057151079178},{"text":"Beautiful.","start_word":773,"end_word":773,"sentiment":"positive","sentiment_score":0.5074056386947632},{"text":"Yeah. So if you press the button there, it'll let you open the document. It will never ask you to sign anything until you've read it through. So when you Yeah. press that button, it'll take you to the next page. You'll see the the front page there, open financial statement of advice with your name on the front end today's date there for you. Here we go. Yes. I do now.","start_word":774,"end_word":845,"sentiment":"neutral","sentiment_score":0.11259836703538896},{"text":"Beautiful.","start_word":846,"end_word":846,"sentiment":"positive","sentiment_score":0.5253657698631287},{"text":"On the bottom of that page has been prepared by myself and my beautiful team here at Okey Financial, and it's got my authorized representative number of 1304394 there for you. If you scroll Brilliant. forward, pages number three, four, five, and six basically outline the areas that we are scoping in and scoping out the advice for you today. So we're looking at areas of superannuation, retirement planning for the time being, and also estate planning. So looking at how your super is working effectively for you so you can continue to make those deductible contributions on a monthly basis of $2,000 per month, Looking at how you can draw down some income there for you, how to structure that, the investments within inside those accounts. And, also, because we're opening up a pension account, also considering the beneficiary side of things. That way, if in the event something was to happen to you, that your super and your pension payments are directed to where you want them to go. Okay? Oh, alright. Just There with are the 3 yeah. thousand Sure. per month, that that we can change that at any time, can't we? Absolutely. Yeah. Tomorrow That's just what or whatever. you told me Yep. you wanted to make yeah. Put into the super, but you're not limited to that. If you wanted to put more in, as long as you're staying under Yep. the contribution cap, that's fine. The What's contributions the contribution cap as of kit? the July 1 yeah. The contribution cap as of the July 1 will be 23 sorry. 32,500. I apologize for that. Okay. Yep. She is. 32,500.","start_word":847,"end_word":1123,"sentiment":"neutral","sentiment_score":0.17151180485310538},{"text":"So it's gonna go up by $2,500 for the next financial year, which is good. And, yeah, you're able to put in more if you want.","start_word":1124,"end_word":1149,"sentiment":"positive","sentiment_score":0.477067768573761},{"text":"If you just wanna put in the 2,000 to begin with to be able to cost averaging each month, that's fine. And then end of financial year, we could always look at what, you know, you wanted to put in as an additional lump sum, the payment notice Yeah. intent. Yep. There's plenty of options that we can do, but this is absolutely fluid. It's one thing I do like about advice that it is fluid. It can change. You know, in six months' time, if you ring me and go, hey, Dana. I wanna change the strategy. We'll go back to the drawing board and update things that can Okay. all be changed and altered as your life and as your circumstances change. Okay?","start_word":1150,"end_word":1274,"sentiment":"neutral","sentiment_score":0.22266283631324768},{"text":"Thank you. Beautiful.","start_word":1275,"end_word":1277,"sentiment":"positive","sentiment_score":0.6751899123191833},{"text":"We've scoped out certain areas of advice, so areas that we're not really providing advice on today, but we can look at additional advice in the future there for you. To make this a bit easier, if I just get you to scroll down for me to page number 13, I'll start taking you through the recommendations. You're welcome to ask any questions you have as we're running through them, and I'll just kind of explain what I'm recommending, how that works, and the Yeah. advantages I'm really disadvantages. struggling to see this on my phone, but Oh, are you that's okay. Did you want me just to run through the the recommendations for yeah. you?","start_word":1278,"end_word":1393,"sentiment":"neutral","sentiment_score":0.15322309732437134},{"text":"You're So welcome to I am take about it back and read it later.","start_word":1394,"end_word":1407,"sentiment":"positive","sentiment_score":0.40383294224739075},{"text":"It's fine. I I'm about one minute Yeah. from my computer. Oh, okay.","start_word":1408,"end_word":1420,"sentiment":"neutral","sentiment_score":0.1113651692867279},{"text":"So Perfect.","start_word":1421,"end_word":1422,"sentiment":"positive","sentiment_score":0.3613455295562744},{"text":"do you mind staying on the line, or do you want me to ring you back? Yeah. No.","start_word":1423,"end_word":1440,"sentiment":"neutral","sentiment_score":0.09219857305288316},{"text":"That's absolutely fine. Happy to stay on the line. It's not a problem at all. Cool. Because I think that will make life a little easier for both of us, And Yeah.","start_word":1441,"end_word":1472,"sentiment":"positive","sentiment_score":0.5358275771141052},{"text":"I can You're actually right. see it. It's I even not know an I can issue.","start_word":1473,"end_word":1488,"sentiment":"neutral","sentiment_score":0.10907241702079772},{"text":"thank you. Very good. Driveway. It's all good.","start_word":1489,"end_word":1496,"sentiment":"positive","sentiment_score":0.5639918446540833},{"text":"I don't remember where I put my capillary at. You Sometimes it is easier, isn't it, having the computer in front of you, having the biggest brain. Yeah. know, we're literally, you know, making the most of everything at the moment. And if this isn't working on the road, then nothing is. I'm I'm literally doing it at the minute. Yeah. Yeah. And how's how how long was it in Bundaberg at the moment? Today, it's 19 degrees at the moment. It's Oh, probably nice. the greatest day we've had. They've been threatening rain for about two weeks, and we've had one sort of shower, and that's all we got. Yeah. Wow. It's it's been windy, but, no, temperature Yeah. is not bad at all. Oh, good. That's good. Yeah. Definitely warm up there than it You've is down you've here. had lots That's for of rain sure. down there? Oh, it's all it ever does down here. It's rain. Yeah. We don't need any more rain. Alright. Still pretty green up here too even though there hasn't been much, but because we've just had enough, I think we'll get some today. It looks a bit grayer today than normal. I have to wait for Greg to grab the keys Yeah. so that Yeah. I You're right. can get And in. and are you finding that you've got time to do day trips out and explore a little bit while you're up there? No. Not really at all, really. Oh, wow. But Greg's Crazy got busy. had a few jobs that he's wanted to get done on this van, which has been frustrating, but at least he's reaching his way through. But, yeah, it's sort of Yeah. pretty busy. We we play Tic Tac a little bit, and we'll go out and do the shops, and I'll look after the site. And we I think we had 10 people come in yesterday. So Yeah. Wow. and then then there's a lot of people that they've got nothing better to do, but they wanna check. And you're like, oh, there's other things I wanna do. Anyway, Yeah. You did a whole we did anyway. make it to the distillery, so that was important. Yeah. You can't Oh, be in that's Bundaberg good. without a trip to the distillery. No. No. Well, last time I was up there, I didn't get to go because I had a young child, but we wanna do that again and do the distillery run.","start_word":1497,"end_word":1914,"sentiment":"neutral","sentiment_score":0.025293872220459524},{"text":"Definitely worth a trip.","start_word":1915,"end_word":1918,"sentiment":"positive","sentiment_score":0.4035484492778778},{"text":"Yep. Yes. Yep. It is actually.","start_word":1919,"end_word":1924,"sentiment":"neutral","sentiment_score":0.19078311324119568},{"text":"And the gin Fantastic. distillery is also worth a visit.","start_word":1925,"end_word":1934,"sentiment":"positive","sentiment_score":0.4082910418510437},{"text":"And that's that one's actually free. And they still give Oh, you a couple wow. of places.","start_word":1935,"end_word":1951,"sentiment":"neutral","sentiment_score":0.2352130115032196},{"text":"And it's really nice.","start_word":1952,"end_word":1955,"sentiment":"positive","sentiment_score":0.5800127387046814},{"text":"Yeah.","start_word":1956,"end_word":1956,"sentiment":"neutral","sentiment_score":0.2245241701602936},{"text":"Oh, But fantastic. so Yeah. Fantastic.","start_word":1957,"end_word":1962,"sentiment":"positive","sentiment_score":0.43941566348075867},{"text":"I'll put that on the back at least. That's for sure. oh. Right. Alright. I have lights. I have a computer. I'm logged on.","start_word":1963,"end_word":1986,"sentiment":"neutral","sentiment_score":0.16546541452407837},{"text":"Beautiful.","start_word":1987,"end_word":1987,"sentiment":"positive","sentiment_score":0.5451566576957703},{"text":"Let me know what you think. No.","start_word":1988,"end_word":1994,"sentiment":"neutral","sentiment_score":0.1153276264667511},{"text":"I don't want to update my browser. It just seems so slow when I haven't got someone waiting for me.","start_word":1995,"end_word":2014,"sentiment":"negative","sentiment_score":-0.39368969202041626},{"text":"You're honestly fine. Take your time. Do not worry in any way, shall perform.","start_word":2015,"end_word":2028,"sentiment":"neutral","sentiment_score":0.06027891859412193},{"text":"I've blocked plenty of time out to make sure you've got time to go through it with me, so it's all good.","start_word":2029,"end_word":2050,"sentiment":"positive","sentiment_score":0.4878970682621002},{"text":"I just don't even know what it's doing. The the Gmail is just going in and the vehicle and I don't want to go into Dropbox. Oh, thank you. You're still on the phone. Yep. I can't even get in yet. One don't know what this is. Okay. Plan b. Pickup. Yep. You're right. Okay. What Is it page coming am through I missing? for you? Yeah. You're right. Honestly, it's fine. It is on page number 13 is where the recommendations are starting for you. Is it saying anything particular as to why it's Alright. not opening? It's just just the Or wheel keeps tuning in. yeah. The circle of death, essentially, that thinking wheel. Yeah. I'm gonna just try and go in again. Instant? Okay. I don't see the cheese in place. Cheese? Yep. Alright. It's looking a bit better, but it's taking a little while to load, but something's coming through That's now. okay. Oh, beautiful. Taking a long time. Page 13. Yeah. I've got my proper glasses on. I can probably see it on my phone. Alright. 15. The heating balance growth. Is that right? Yep. Mine go down to the next page. Yours might have added one extra page on there. So it might be paid Yes. 13 14 for yourself. So we've got strategy recommendations here ending 2526. Yes. Yep.","start_word":2051,"end_word":2276,"sentiment":"neutral","sentiment_score":-0.03232092037796974},{"text":"Beautiful.","start_word":2277,"end_word":2277,"sentiment":"positive","sentiment_score":0.3911334276199341},{"text":"So with this one here, start the recommendations. We'll start by retaining your hub twenty four super account. I did have a look at all the other options for super out there. Just make sure hub twenty four is still preferable. Hub twenty four is still the best option. And if we Yep. look to move into any other super fund out there, we would have to complete a full sell down, which means it's the highest EGT cost for your super fund. So retaining hub twenty four does work out to be more cost effective Yep. for you. So we're gonna retain the super fund of the accumulation account as it is within hub twenty four, and we're gonna open up a separate account based pension account. So, Yep. basically, what happens is we move some money. In this case, it'll be 250,000 from your accumulation account into an account based pension. Essentially, how that works is the Superfund will just do a a transfer of it's called an in specie transfers. They will take 250,000 from the assets in your super and just transfer them into a pension account. It is a fairly quick process. It can take up to a week to do. So we kind of wanna have this done before the end of the financial year so you can draw down that Yeah. first 12,500 pension payment. Yep. But, essentially, it's just about retaining hub 24, moving $2.50 into the account based pension account. That's in pension phase, and you have the benefit there of having most of your money in pension phase. And because you're not working anymore, Being in pension phase is eligible for you, and pension phase is tax free. So the small amount that we expect to stay in the accumulation account, which will be 16,110. Anything Yep. in accumulation phase is still being charged at CGT and income tax at 15%. CGT can go as low as 10% depending on the assets held, but everything in the pension phase is tax free.","start_word":2278,"end_word":2619,"sentiment":"neutral","sentiment_score":0.1117816487033116},{"text":"It's a tax free environment. There's no income tax, no CGT tax, and the income payments you draw down are all tax free as well. So it's a great place to be. It's Yeah. definitely more tax advantage than any other strategy out there.","start_word":2620,"end_word":2663,"sentiment":"positive","sentiment_score":0.4503505229949951},{"text":"And it just means that you'll then have the two accounts. You're accumulating your pension, $2.50 sitting in a pension account, and the rest of the funds in the accumulation account there. Once we have that pension account open, we'll draw down that first payment, which is 12,500 and essentially 5% of the balance being transferred, and we'll make sure that payment's drawn down before the end of this financial year. That way, you've got that as a bit of a buffer there. Okay? Mhmm. On the bottom of that page, it also says lodge a notice intent. My power plan has noted you paid that 5,000 in there. We've reclaimed the notice of intent for that, so it doesn't need to happen. But my power noticed Oh, it, yeah. and she wanted to make sure that that was accounted for.","start_word":2664,"end_word":2804,"sentiment":"neutral","sentiment_score":0.16482788408901675},{"text":"So Okay. it's all good. It's just making sure that It's under control. everything is done. Yeah. So that's already been done, which is fantastic. Essentially, this allows you to be able to draw income that keeps them keeps the funds most of the funds in a tax free environment, which is really important for you and allows you to draw down that buffer on that 12,500 that you wanted to take for your travels as a bit of a buffer for the income stream Yeah.","start_word":2805,"end_word":2890,"sentiment":"positive","sentiment_score":0.584162175655365},{"text":"side of things. Okay?","start_word":2891,"end_word":2894,"sentiment":"neutral","sentiment_score":0.26725634932518005},{"text":"Perfect. I know it's the best interest, Judy, is essentially my justification of the strategy and relating that back to your goal and how that works in your best interest for you.","start_word":2895,"end_word":2926,"sentiment":"positive","sentiment_score":0.5018947720527649},{"text":"So I'll let you have a really good read through all those sections shortly. Mhmm. Essentially, underneath that, you'll also see a little table, and it basically shows you what we'll see. So we'll have the two accounts there Yep. in accumulation based on current balance. There'll be the 16,110 less in the accumulation phase, 250,000 moved into pension phase, and you withdraw 12,500, leaving a pension balance sitting in there of 237,500 for you. Okay? Mhmm. The next slide outlines all the advantages, disadvantages, and the risks involved.","start_word":2927,"end_word":3015,"sentiment":"neutral","sentiment_score":0.13438937067985535},{"text":"Admittedly, opening up the pension account and giving you the advantage of having most of your money in that tax free environment.","start_word":3016,"end_word":3037,"sentiment":"positive","sentiment_score":0.4389802217483521},{"text":"So it does mean, as I said, there's no income tax, no CCAT tax in that sort of area.","start_word":3038,"end_word":3056,"sentiment":"neutral","sentiment_score":0.2591472566127777},{"text":"And any withdrawals, you do make it completely tax free for you as well. So it's So a do very we set advantaged that up as a environment.","start_word":3057,"end_word":3084,"sentiment":"positive","sentiment_score":0.4599239230155945},{"text":"an automatic monthly thing or do I just The drawdown? yeah. Yeah. We will. Yep. So what'll Okay. happen is That's right. is that's okay. What'll happen is once we open the pension account, my team will confirm with you what day you want the December, we probably just have drawn out as a one off transaction, so we initiate that for Yes. you. We'll Yeah. have that done as soon as the account's open. But once we open your pension account, we'll also nominate what day you wanna start receiving that $3,000 on a monthly basis being drawn Yep. out as your regular pension account pen Yep. so a pension payment, and that'll come down automatically every month for you as well. Okay?","start_word":3085,"end_word":3208,"sentiment":"neutral","sentiment_score":0.18581834591684804},{"text":"Cool.","start_word":3209,"end_word":3209,"sentiment":"positive","sentiment_score":0.37349122762680054},{"text":"When you do get some time, have a read through the advantages, disadvantages, the risks involved. It's important to sort of note there are by saying keeping some money in that accumulation account, it does see income tax, the CGT, and income tax consequences, but they are more a tax advantage than, you know, in our own personal name. So income tax within the super system is at 15% and CUT 15% or 10% if the assets have been held for more than twelve months. So it is a more tax advantaged environment still. It does mean you'll have the two accounts open. So you'll see when you log Yes. in to HUB 24, you'll have your accumulation, your super, and you'll also have the account based pension account. It does mean, overall, you'll have two accounts. So there are higher administration fees for having two accounts. But I've also restructured the investments, and I'll show you those shortly to make sure your investments are taking on lower risk, but also providing good returns and also factoring in the fees for the investments as well. Okay? Mhmm. The next page outlines any risks of associated with the recommendations made and any alternatives that I've considered as well. So I note down alternative strategies that I may have looked at, considered as part of the advice. I did look at moving to other platforms that, you know, decided not to go that way Yep. because it would require more tax consequences to the sell down and the transfer, which can also take longer to do.","start_word":3210,"end_word":3473,"sentiment":"neutral","sentiment_score":0.03667249158024788},{"text":"I wanted to make the strategy as easy as possible for you, and Hub 24 is a great platform. There's nothing wrong with it.","start_word":3474,"end_word":3497,"sentiment":"positive","sentiment_score":0.5346675515174866},{"text":"There's been no major changes that require it to to be, you know, to have you moved out of that platform. Yeah. I also considered looking at a TTR strategy. However, TTR pensions have the same tax consequences as super. And because you're no longer working, you can take advantage of a full account based pension, so this works out to be more advantage for you. Okay?","start_word":3498,"end_word":3564,"sentiment":"neutral","sentiment_score":0.08396834880113602},{"text":"Excellent. Excellent.","start_word":3565,"end_word":3566,"sentiment":"positive","sentiment_score":0.5941104888916016},{"text":"If you scroll down to page number 21 for me, this is the second half of the recommendations. Now I've basically put them into two financial years because when we because we are so close to the end of the financial year, once we open the pension account, draw down the 12,500, that'll affect effectively take us to the end of this financial year. Okay. It Sorry. What will page probably are you on? hit a 21. Yours might be 22. It has strategy recommendations for the next financial year. Current investment superannuation. Recommended investment pension account. Oh, I've gone too is far here. might have yes. Sorry. The I heading that should say strategy recommendations expect financial year 2627. Must have gone too far. That's okay. You're fine. If you just go backwards a little bit Yeah. what Yeah. Gotta does leave it recommendation. say on the page? Here we go. '20 Yep. 06/27, or '20 Yours is the page numbers have changed a little bit from what I'm looking at. So sorry. It might have been when it uploaded, it sort of redenumber the page numbers. I do apologize about that. Love technology when it wants to do things like that for us. 25 The 26 we're looking at. Is that right?","start_word":3567,"end_word":3780,"sentiment":"neutral","sentiment_score":0.027081305161118507},{"text":"beautiful.","start_word":3781,"end_word":3781,"sentiment":"positive","sentiment_score":0.3454335331916809},{"text":"Yep. That's the one. I can see that Okay. on mine That's too. page Fantastic. 14. So this one here should say strategy recommendations year financial year 2627. Is that right? Yeah. That's right. Yep.","start_word":3782,"end_word":3816,"sentiment":"neutral","sentiment_score":0.11334545165300368},{"text":"Beautiful.","start_word":3817,"end_word":3817,"sentiment":"positive","sentiment_score":0.4243327975273132},{"text":"So as I was kinda said, this is gonna be the first part of strategy will essentially bring us up to the end of this financial Yeah. year because we are so close to the end there. So this Yep. will also commence as of the July 1. And once we open up the pension account, we can then allocate your pension payments to be drawn down on a regular basis. So you wanted to sort of see monthly withdrawals of about $3,000 per month to cover regular expenses, which essentially gives Yeah. you $36,000 for the year. If you decide to change that, wanna increase or decrease or alter them, just let me know. They can be changed.","start_word":3818,"end_word":3936,"sentiment":"neutral","sentiment_score":0.1508688448356981},{"text":"It's not a problem at all.","start_word":3937,"end_word":3942,"sentiment":"positive","sentiment_score":0.5285672545433044},{"text":"When we do the pension Alec pension application, we do nominate a date that you wanna see those pension payments starting. As of the July 1, is there a certain day or date or time of the month that you would like to receive those pension payments, John, to hit your bank account? Yeah. Probably the first Monday of the month would be the best. Yeah.","start_word":3943,"end_word":4008,"sentiment":"neutral","sentiment_score":0.18984612822532657},{"text":"Absolutely. I'll just make a note of that for you for the first Monday of the month, and we'll make sure that those that is drawn down each month at the same time for you.","start_word":4009,"end_word":4043,"sentiment":"positive","sentiment_score":0.3970107138156891},{"text":"Okay?","start_word":4044,"end_word":4044,"sentiment":"neutral","sentiment_score":0.20343774557113647},{"text":"Hello? Fantastic. So I'll make sure that that is in the application for you. My team will then send that through. That'll all be signed and submitted with the original pension payment. We'll just make sure they start the first Monday of July for you to make it easier.","start_word":4045,"end_word":4093,"sentiment":"positive","sentiment_score":0.4656051695346832},{"text":"Yep. And on the July 1, you'd be able to start making those additional contributions. You can do them earlier if you wanted to.","start_word":4094,"end_word":4117,"sentiment":"neutral","sentiment_score":0.2978818118572235},{"text":"I've just allocated the July 1 because you've done your 5,000 for this year. Yeah. Starting the regular contribution as of next financial year means that you've steadily started that along.","start_word":4118,"end_word":4148,"sentiment":"positive","sentiment_score":0.42814749479293823},{"text":"And then at the end of the financial year, we'll look at how many contributions you've made, whether you wanna make any additional contributions, and claim the notice of intent for that as Oh, well. Okay? And then we're all one thing you're right. Sorry. one question I have. Sure. So when I did the 5,000, I get confused whether it's a concessional Yeah. or a so what is the correct account name? Like, what do you call yeah. Because there's The contribution? Yeah. yeah. It's technically called a deductible contribution, and Okay. it goes in as a nonconcessional contribution. So the way I like to sort of note it is concessional means that tax is taken out. So when a concessional contribution hits your super fund, they take 15% tax out of that straight away. With a non concessional contribution, the money goes in. It is a 100% invested Yep. deductible contribution, it goes in non concessional, and then we change that to concessional by adding that notice of intent. Yes. And that's telling So we the pay funds the tax that at we have the end the of the intention. year. Yeah. Yeah. Yeah. Okay. And that's Now telling I get the Superfund it. you have the intention to claim that money as a tax deduction, and that's why they take the tax out the fifteenth percent. So Alright. That's we alright. because you don't have any you don't have any insurance payments or anything coming out of the account on a regular basis, we Yeah. can essentially have that contribution going in on a yearly on a monthly basis or however often you wanna make it. And at the end of the financial year, we can then look at how much you've made as a total and then claim the whole amount under that notice of intent. Does that make sense? Yep. No. I've got that now. Yep.","start_word":4149,"end_word":4469,"sentiment":"neutral","sentiment_score":0.11906333737702011},{"text":"Beautiful.","start_word":4470,"end_word":4470,"sentiment":"positive","sentiment_score":0.6699270009994507},{"text":"Ask any question you like. There's no such thing as a silly question.","start_word":4471,"end_word":4483,"sentiment":"neutral","sentiment_score":0.0922684296965599},{"text":"I love them.","start_word":4484,"end_word":4486,"sentiment":"positive","sentiment_score":0.7008429169654846},{"text":"They essentially, we just started to get out of the as of the July 1. We'll make sure your pension payments are being drawn down $3,000 per month into your nominated bank account, and my team will give you a call and get those bank account details off you. Yeah. We also will then or, you know, get you to start direct setting the $2,000 per month into the accumulation account, so into your Yep. super account, sorry, With the intention to claim the notice we take at the end of the financial year. As we said before, we've got $2,000 a month because that's how much you said you were comfortable with. If you decide you wanna put more in, that's absolutely fine as long as we don't go over the cap.","start_word":4487,"end_word":4619,"sentiment":"neutral","sentiment_score":0.1892654150724411},{"text":"We can also just be doing $2,000 on a regular monthly basis.","start_word":4620,"end_word":4631,"sentiment":"positive","sentiment_score":0.3737136423587799},{"text":"Then at the end of the financial year, look at what you have available, cap space, Yeah. and make a lump sum again at the end of the year if you want to Yeah. as well.","start_word":4632,"end_word":4667,"sentiment":"neutral","sentiment_score":0.21498578786849976},{"text":"So there's a few options that we do have there.","start_word":4668,"end_word":4677,"sentiment":"positive","sentiment_score":0.35432785749435425},{"text":"Okay? And then the last part of that strategy is that we're gonna also do an investment switch. So at the moment, you're in that growth environment. We talked about going into pension phase and starting to draw Mhmm. income down. And with the volatility that we have been seeing in the market, it is always a good idea to start reducing your risk level in the market. So we talked and agreed on reducing you from the growth environment to a balanced growth kind of split, which Yep. is generally about 70% invested in growth assets, so international and Australian shares, listed property and commodities like gold and silver, and then also seeing 20% in defensive lower risk sorry, 30% oh, my apologies, in lower risk investments like cash, bonds, and fixed interest. This invest this sort of area is tracking to try and receive a regular compound of return of six to 8% on a yearly basis, and normally can see the likelihood of a negative return, say, one in every six years there. I went back and had a really good look at your portfolio, how it has been working, and also made a recommendation to alter the portfolio, a, to reduce your risk level, but, b, to also consider defensive assets and how economists believe Australia is gonna go with the high inflation over the next few months as well. So I've factored a lot of that into the recommendations with the investments, and I'll take you through those very shortly as well. Okay? Mhmm. Yep. Underneath that, you'll see I've got the best interest duty there again. So just relating all of those recommendations back to your goals Yep.","start_word":4678,"end_word":4961,"sentiment":"neutral","sentiment_score":0.11412081122398376},{"text":"and how they do work in your best interest, making sure you've got regular income.","start_word":4962,"end_word":4976,"sentiment":"positive","sentiment_score":0.4472282826900482},{"text":"You will be traveling after you leave, and you're always gonna have access to, you know, being able to give me a call and request drawdown.","start_word":4977,"end_word":5002,"sentiment":"neutral","sentiment_score":0.2777170240879059},{"text":"So this kinda gives you a regular monthly amount that you can expect in your bank account to kinda cover, you know, regular expenditures while you are traveling and living your best life, and I am so jealous that you get to do that. Think that is fantastic. I love what you guys are doing. I think it is beautiful.","start_word":5003,"end_word":5062,"sentiment":"positive","sentiment_score":0.4813724458217621},{"text":"And Sometimes then, yeah, it's making a very the regular small size. absolutely. And then the regular $2,000, you can put that into the account with a couple of ways. So you can do it as a b pay transfer or an ETF transfer on a reg like, set up regularly to come out automatically on your bank account, or you can opt to do it as regularly as you would like. Or if you wanna hold off and do it at the end of the year, you absolutely can. Realistically, Yeah. setting it up as a regular deposit once a month works out better for you because you are dollar cost averaging. So putting regular amounts into the super Yeah. fund over a period of time, which helps to even out the investment returns.","start_word":5063,"end_word":5197,"sentiment":"neutral","sentiment_score":0.20583096146583557},{"text":"It can provide greater growth, and you take advantage of the market ups and downs as well.","start_word":5198,"end_word":5214,"sentiment":"positive","sentiment_score":0.3668463826179504},{"text":"Okay? Mhmm.","start_word":5215,"end_word":5216,"sentiment":"neutral","sentiment_score":0.13086417317390442},{"text":"Perfect.","start_word":5217,"end_word":5217,"sentiment":"positive","sentiment_score":0.3536806106567383},{"text":"So that's essentially majority of the recommendations there. I've also got a bit of a breakdown on the next page that outlines what you'll essentially see within the two accounts there. So the accumulation showing the starting balance, the regular deposits in, and then claiming on notice to intend at the end of the year, And then the HUD twenty four pension account showing the balance after the 12,500 has been withdrawn and then the regular withdrawal of 3,000 per month or 36,000 per year to cover your living expenses. Okay? So that's based on oh, I think I'm on a different page, but No. I'm That's okay. I'm on projected income stream. Is that right? What page are you on? What's the heading on that one? Projected in income stream. I've gone too far, I think. No. That's fine.","start_word":5218,"end_word":5357,"sentiment":"neutral","sentiment_score":0.053229596465826035},{"text":"That's actually very good.","start_word":5358,"end_word":5361,"sentiment":"positive","sentiment_score":0.4097896218299866},{"text":"I'll run down to where you are. So this is actually showing you so we've gone forward and projected essentially where you should Yep. be at the age of 61 with the current projected balance based on the growth and the fees within the account there. And then this shows you that by drawing down 36,000 per year for your income, with the expected growth and annual contribution going in, so this is both accounts mixed together, essentially. This Yeah. shows you how long your super would be expected to last for. Okay. Yes. That's alright. Yeah. So Keep yeah. I mean, obviously, that would be different because we would sell houses before we reach that age. Correct. And, look, there's other there's other things that can definitely come into play with this. This is just based on the current recommendations with no additional changes Yeah. there. However, alternatives I've considered, I've scoped out links for now because you're not quite eligible. But as you get close to age 67, we can reassess eligibility for getting age pension to supplement this. You might then sell a property, you know, sell the assets within a trust and put more money in the super or we shelter money in other ways. So there's Yeah. lots of other things that we can do, and the advice is definitely gonna evolve. This advice piece will change definitely before the age of at least 67, if not 84. Yeah. So I definitely would expect things to last a little bit longer as we update and make the advice evolve for you as well. Okay? Yeah. Because I think since we were looking Yeah. at buying another property, but I think my research has sort of indicated that it would probably be better not to. It would probably be better to rent Yeah. Yeah. just for somebody to put the caravan and stuff in Yeah. the short term. But anyway no. It's good. No. That's It's excellent, okay.","start_word":5362,"end_word":5693,"sentiment":"neutral","sentiment_score":0.009931678131940852},{"text":"actually. Beautiful.","start_word":5694,"end_word":5695,"sentiment":"positive","sentiment_score":0.4661257863044739},{"text":"Now if you scroll down to the next page for me, can you tell me what the heading is that you're looking at on that page there? So we go into the outcomes, the advantages, and disadvantages, obviously, of that particular Yep. table. And Yep. if I keep going, then I get to we recommend that you establish beneficiary nominations on your hub account pension.","start_word":5696,"end_word":5760,"sentiment":"neutral","sentiment_score":0.008407139577544652},{"text":"Beautiful. Yeah.","start_word":5761,"end_word":5762,"sentiment":"positive","sentiment_score":0.4906094968318939},{"text":"Yep. So So that's this is when we open the pension account, you've got your beneficiary nomination already on the super, noting that in the event Yeah. that something was to happen that the funds are to be paid to Greg. You wanted Yep. that to be the same thing on your pension account, but I've recommended so you'll probably remember on your sleep, you've got a binding on lapsing nomination. So it binds the trustee. With pension accounts, I'm recommending what's called a reversionary beneficiary. This essentially means that in the event of you passing, your pension payments will continue to then be distributed to grace with no stopping point. So with Okay. a normal beneficiary nomination, like a binding on that thing, in the event that you were to pass away, if that was on the same on the pension account, the pension payments would stop. As soon as we notified them that you have passed away, the pension payments would stop, and then we'd have to go through the claims process to have that all moved into Greg's name. With Yeah. a reversionary beneficiary, and you can only apply these to pension accounts, essentially, if you're receiving that $36,000 on a yearly basis and it's going to you, if you would then pass away, those regular pension payments of $3,000 per month do not stop. They continue to keep being paid, and they just get paid to Greg automatically. The benefit of this sort of benefit beneficiary is that because the pension payments don't stop and your living expenses continue even once you pass away, plus sometimes there's more expenses around getting everything ready for a funeral, the cost of a funeral, also, you know, people coming into town or having to, you know, stop and Yeah. buy extra food and things like that. There can be a lot of extra expenditure around that sort of thing. So having a reversionary Alright. benefit And the cost of living beneficiary on his own is cheap, you know, on his own is absolutely. because it's because it's because it's it's living with me.","start_word":5763,"end_word":6116,"sentiment":"neutral","sentiment_score":0.071315698325634},{"text":"Yeah. Absolutely. Yeah. And a lot of that would just continue the same way. So this just keeps his pension payments going and doesn't stop to make it easier on him.","start_word":6117,"end_word":6147,"sentiment":"positive","sentiment_score":0.4486621916294098},{"text":"Does that make sense? So when you say it doesn't stop, so Yes. if the money runs out, that doesn't matter. No. Well, the money runs out, the the pension payment stops. But it's Yes. more It just does you stop. know, if Yeah. it's yeah. Yeah. Yep. It's No. more No. just No. That that makes if sense. you would have Yep. passed away and you had, say, a 150,000 or 200,000 still in your pension account and that $3,000 is still being paid out, it would continue Yep. to be paid out. Any beneficiary, no matter what it is, once the pension once the pension has no money and once the super is completely Yes. run dry, there's no money left. Everything will completely stop. That's what So I thought. this is, yeah, this is just Yep. making Nope. sure Carry that on. in the interim, he can keep receiving the money that he is receiving whilst you have money in the account, essentially. Does that make sense? Yep. Nope. Got it. Yeah.","start_word":6148,"end_word":6322,"sentiment":"neutral","sentiment_score":-0.04477894678711891},{"text":"Beautiful. This is a great way to have a beneficiary intention. It just makes life a little easier for your partner at the time of passing.","start_word":6323,"end_word":6348,"sentiment":"positive","sentiment_score":0.5509325265884399},{"text":"Keeping in mind that this is all just put in place in the event of I actually don't want anything to happen to you.","start_word":6349,"end_word":6372,"sentiment":"neutral","sentiment_score":0.2314835786819458},{"text":"I want you to No. out survive and laugh and enjoy all of your money. It's just one of those things that we do make sure we have in the plan and accounting Yeah.","start_word":6373,"end_word":6406,"sentiment":"positive","sentiment_score":0.4366863071918487},{"text":"for. And a reversionary is something that I do find a lot of people don't think of on a regular basis, and I do like a reversionary beneficiary.","start_word":6407,"end_word":6434,"sentiment":"neutral","sentiment_score":0.2821027934551239},{"text":"It benefits your spouse, makes life easier.","start_word":6435,"end_word":6441,"sentiment":"positive","sentiment_score":0.541530430316925},{"text":"And, yeah, it just continues those pension payments so they can continue living in the event that you would have passed away. Okay? Mhmm.","start_word":6442,"end_word":6465,"sentiment":"neutral","sentiment_score":0.2797108292579651},{"text":"Beautiful.","start_word":6466,"end_word":6466,"sentiment":"positive","sentiment_score":0.5262600183486938},{"text":"Now if I can just get you to scroll back up for me, just back up past the income drawdown section, you will see three tables with investment recommendations. Yes. Just let me I know when still you does. see those tables.","start_word":6467,"end_word":6508,"sentiment":"neutral","sentiment_score":0.048550352454185486},{"text":"Beautiful.","start_word":6509,"end_word":6509,"sentiment":"positive","sentiment_score":0.6296237707138062},{"text":"So this one. So the first one is superannuation fee projection table. Yep.","start_word":6510,"end_word":6522,"sentiment":"neutral","sentiment_score":0.16720177233219147},{"text":"That's the one. Perfect. Excellent.","start_word":6523,"end_word":6527,"sentiment":"positive","sentiment_score":0.4972315728664398},{"text":"So this one here Oh, there's essentially one above outlines that too. Oh, no. We've yeah. got The we just the recommended investment accumulation account. yep. So the fee the fee protect projection table is the first one. That's essentially outlining your current Zebra account with your current fees. It's attached to your current risk profile and the investments there and noting that, you know, this is essentially what you're paying. So at the moment, the admin fees are about 1,166. You've got investment fees coming out of the account, your current super balance at the top, and the ongoing service fee there as well, and you're in a growth portfolio. And whilst your return can slightly differ, essentially, when we look at your the portfolio and that you're in and utilize a five year rolling average, it's averaged about 9.62% over the last five years. So it has not been bad in any way, shape, or form. The recommended is essentially showing you the outcome with the recommendations in place. So distributing your funds between the two accounts, the accumulation and the pension phase, how the administration fees will look. So you'll have a smaller admin fee within super, but a bit bigger in the pension phase then. So it Can does I mean ask that you a overall question? admin fee for hire. Absolutely. When you say the average interest was between nine and nine point whatever it was. Yeah. Is that after admin fees? That is just looking at the portfolio, so that doesn't take into account the administration fees. That Okay. is just So that's inputting all the investments into so we use, like, adviser portals, like Morningstar and Lonestek to tell us how these portfolios have returned averagely over the past five years. And that's Yep. just Yep. showing you the current investment structure should have returned this. Admittedly, it could be different to what your portfolio has received because you've also got money coming and going at different times, so fees coming in and going out. You've also got, you know, your contributions going in, coming out at different times as well. So it does affect the return, but this is just showing you based on research, this is what the average has been for that portfolio over the past five years. Yep. And that's kind of what we utilize for how we expect our portfolios to work in the future. So we're utilizing Yeah. investment data from the past to show what portfolios are suited and what should be working for you in the future, knowing that it can change, and there's other factors that can change and and affect that as well. That's why we review the portfolios with you on a regular basis. Does that make sense? Yep. Yep. Yep.","start_word":6528,"end_word":6996,"sentiment":"neutral","sentiment_score":0.08234845643549331},{"text":"Beautiful. Got it. Excellent.","start_word":6997,"end_word":7000,"sentiment":"positive","sentiment_score":0.6109763383865356},{"text":"So at the top there, you'll see the two accounts. So the differences column has the first drawdown of 12,500. That will come out before the end of the financial year, and then you've got your two balances there. So expected after the drawdown should be 237,500 and an accumulation 16,110. The two administration fees that will be expected to come out of the account on a yearly basis, So it does increase Yep. as a whole by that $399. That's because we're opening the two accounts up. In the back end with Hub twenty four, we could also aggregate the fees. So we will link the accounts in the back end so that they can try to reduce the fees as much as possible. So we're essentially linking everything in the back end, and Yep. Hub twenty four can reduce the fees below that. That's based on research and what we expect at the moment. Okay? Mhmm. With the investment fees, currently, you're paying 1,247 on a yearly basis. With the new recommended in the portfolio change, we actually see your investment fees decrease.","start_word":7001,"end_word":7185,"sentiment":"neutral","sentiment_score":0.107025608420372},{"text":"So with the recommended change in investment portfolio, we can see and expect your investment fees to save you $769 for the first year.","start_word":7186,"end_word":7209,"sentiment":"positive","sentiment_score":0.33455124497413635},{"text":"Okay? And then the adviser fee, which is a 1.65%, we just have that prorated across both the accounts there for you as well. Okay? Mhmm.","start_word":7210,"end_word":7235,"sentiment":"neutral","sentiment_score":0.08186364431793873},{"text":"Excellent. Contributions going in, that's the deductible contribution that has been recommended.","start_word":7236,"end_word":7247,"sentiment":"positive","sentiment_score":0.5174214839935303},{"text":"And then we've also got the monthly withdrawal at $3,000 on a monthly basis being drawn out of the account. Okay?","start_word":7248,"end_word":7268,"sentiment":"neutral","sentiment_score":0.306375652551651},{"text":"Perfect.","start_word":7269,"end_word":7269,"sentiment":"positive","sentiment_score":0.5922189950942993},{"text":"With Mhmm. the underneath Quite there, a you'll lot of see admin fees, isn't it? there absolutely is. Admin Yeah. fees I are always percentage based, so they are generally quite high. It's for the administration and for the yeah. the platform itself charges. We try to limit and reduce them as much as possible, Yep. but there's no way to get around them. There's always gonna be admin fees and and things like that Yep. that are applied to every Oh, it's just platform. here when So you fill in. It's add yeah. up the add money investment and the adviser. It's quite a lot. Yep. But anyway, It that's is. alright. It is what it is. Yeah. Yeah. Well, when you look Alright. at the percentage cost there, as much as it is overall quite large as a dollar figure, Yeah. it is also reduced as a whole. Yeah. So at the moment, the percentage is about 2.59%. As a whole, we can reduce it down to 2.48. So we are reducing the overall Yeah. fee cost. Mhmm. It's just one of those things that we do have to account for. There's fees involved with everything, but we wanna make sure everything's working for you, that the fees make sense. I'm a big Mhmm. believer that I'm okay paying fees as long as I know what I'm paying for and as long as I'm getting what I want out of that as well.","start_word":7270,"end_word":7514,"sentiment":"neutral","sentiment_score":0.05460856482386589},{"text":"So we'll make sure things are working for you.","start_word":7515,"end_word":7523,"sentiment":"positive","sentiment_score":0.3399088382720947},{"text":"You can talk to me as often as you like, and, you know, we can alter and adjust things as we need to as well. Okay?","start_word":7524,"end_word":7549,"sentiment":"neutral","sentiment_score":0.1874196380376816},{"text":"Very Excellent.","start_word":7550,"end_word":7551,"sentiment":"positive","sentiment_score":0.6837476491928101},{"text":"Now with the portfolio, the investor portfolio, as we kinda talked about, we're reducing good. your risk level in the market, and we're reducing you back to the balanced growth portfolio, which when I look at the investments and how they have performed over the past year, five year rolling average, has actually performed greater than the growth portfolio you're in at the moment. So we do certainly hope that it can get this kind of return, although we know markets go up and down, and it's not always gonna be the 10.4%. But the portfolio I'm recommending has averaged this on a yearly basis as per my research. Okay? Yep.","start_word":7552,"end_word":7662,"sentiment":"neutral","sentiment_score":0.03923003003001213},{"text":"Excellent. Beautiful.","start_word":7663,"end_word":7664,"sentiment":"positive","sentiment_score":0.6035722494125366},{"text":"And Oh. now I believe if you just sort of scroll up slightly, you should see the investment recommended accumulation and pension tables there as well. Can you see those? Yep.","start_word":7665,"end_word":7695,"sentiment":"neutral","sentiment_score":0.09765592217445374},{"text":"Beautiful.","start_word":7696,"end_word":7696,"sentiment":"positive","sentiment_score":0.4894108176231384},{"text":"This is the actual investments that I'm essentially gonna put you into within the account. So we're reducing a bit of risk. We're still keeping some of the investments. So you will essentially once we complete the investment switch, we'll see your funds in cybersecurity, some exposure into Europe, so diversification across all 16 European countries, some exposure into the Japanese market there as well, only about 3%. We have the Vanguard all world U x US investments. That's giving you exposure to global investment markets, not just current established markets, but also those up and coming as well. One of the biggest ways to mitigate market risk is to diversify.","start_word":7697,"end_word":7807,"sentiment":"neutral","sentiment_score":0.16708111763000488},{"text":"So this is one of the best ways to do so, and the Vanguard investment is low cost, well diversified, and has performed really well.","start_word":7808,"end_word":7832,"sentiment":"positive","sentiment_score":0.40257611870765686},{"text":"So we wanna keep that global exposure for you. Mhmm. You'll also have some exposure in the S and P 500. I will also have the beta shares a 200, which is giving you access to the top 200 companies on the ASX. The S and P 500 gives you exposure into the top 500 companies on The US market. You'll see some physical gold in there as well. Physical gold has done really well, continues Yep.","start_word":7833,"end_word":7909,"sentiment":"neutral","sentiment_score":0.15165798366069794},{"text":"to do really well.","start_word":7910,"end_word":7913,"sentiment":"positive","sentiment_score":0.37962400913238525},{"text":"It's growth in nature, but it's also defensive at times as well, so it works both ways. And we wanna see about 10% of your portfolio in that. Defensive low risk investments, we wanna see core composite bonds.","start_word":7914,"end_word":7951,"sentiment":"neutral","sentiment_score":0.17263122569573552},{"text":"So bonds are really great. The core composite bond exposure here gives you access to exchange traded funds that provide exposure into the Australian bond market.","start_word":7952,"end_word":7977,"sentiment":"positive","sentiment_score":0.4608202874660492},{"text":"So looking at Yep. bond markets, not just long term, but short term as well.","start_word":7978,"end_word":7992,"sentiment":"neutral","sentiment_score":0.27290111780166626},{"text":"And bonds are really good for income producing. So they pay dividend or coupon payments, which are paid into your super and your pension account, and then we can have those redistributed into the portfolio. For compounding in your pension account, they'll also help to draw down your regular pension payments as well. Okay? Very good.","start_word":7993,"end_word":8048,"sentiment":"positive","sentiment_score":0.4783972501754761},{"text":"And the other thing we talked about was looking at a bit of defensive protection as well. So one of the things we have been hearing from the local economists is that we know inflation has been high within Australia, and they are expecting it to remain high moving forward as well for the next few months, possibly even longer. So I've also got in here the IRS government inflation ETF. This is bond, and these are inflation protected bonds. Because one of the big things is when inflation is very high, a fixed interest like bonds, they are affected. They don't get returns that meet those sorts of high inflationary pressures, and the bond market actually sees a bit of a decrease. So by including the government inflation bonds, this is giving you access to, essentially, Australian government bonds designed to protect your investment against inflation. So, these sorts of investments having half in core composite, half in the government bonds means that when inflation's higher, you've got that inflation protection in the bond area, which means you still should expect really good returns. But then also when inflation's lower, not having all in the court in the government place and bonds having some core composite means that those other ones will see higher growth in the times when inflation's a bit lower. So it's about having defensive I assets, got but yep. also giving you some defensive protection based on where we see the country going at the moment with inflationary pressures. Does that make sense? Yep. Yep. I'm gonna get Yep. that.","start_word":8049,"end_word":8313,"sentiment":"neutral","sentiment_score":0.1083468571305275},{"text":"Beautiful.","start_word":8314,"end_word":8314,"sentiment":"positive","sentiment_score":0.5389333963394165},{"text":"So that's essentially how you'll see things. As I kinda mentioned before, we'll open the pension account first. We'll do the drawdown first of the December, and then we'll do the switch on the investment. The reason Yeah. I'm doing it that way is because we'll split your money up so you'll only have the 16,000 sitting in the accumulation account and the rest in the pension account. By doing the investment switch after we've opened the pension account, it means that only the money in the super account in the accumulation side is gonna be affected by CGT. So when we switch investments within the pension phase, because there's no tax consequences, there's no CGT consequences either.","start_word":8315,"end_word":8432,"sentiment":"neutral","sentiment_score":0.15762825827982466},{"text":"So it means that you will save, either. So it means that you will save on tax within the super system, and you'll have more money after we complete the switch there as well.","start_word":8433,"end_word":8466,"sentiment":"positive","sentiment_score":0.500937283039093},{"text":"Does that make sense? Yep. Do you have any questions? You're welcome to ask Yep. me anything Alright.","start_word":8467,"end_word":8484,"sentiment":"neutral","sentiment_score":0.14118598401546478},{"text":"you I like.","start_word":8485,"end_word":8487,"sentiment":"positive","sentiment_score":0.3750993609428406},{"text":"think I know I've it I've can be a lot I've I've to go through. probably outreached my maximum this morning.","start_word":8488,"end_word":8508,"sentiment":"neutral","sentiment_score":-0.018489453941583633},{"text":"That's absolutely fine.","start_word":8509,"end_word":8511,"sentiment":"positive","sentiment_score":0.4588470160961151},{"text":"That is essentially all I needed to go I needed to go through with you.","start_word":8512,"end_word":8526,"sentiment":"neutral","sentiment_score":0.2982097268104553},{"text":"I know it can be a lot, and I thank you so much for holding on to that one.","start_word":8527,"end_word":8545,"sentiment":"positive","sentiment_score":0.4648648202419281},{"text":"I did sorta have a look back, and, essentially, with the overall CGT cost, we do expect them to be about we've averaged them out of that $1,600 it will be lower because we're moving money into pension phase first. But I've outlined all of that in the advice document for you.","start_word":8546,"end_word":8597,"sentiment":"neutral","sentiment_score":0.25449424982070923},{"text":"This, you know, essentially puts you in a better position. It's a lower risk investment. It's got inflationary money down on a regular basis. You will hold the two accounts that are open. You can be putting money in and still building up your super whilst drawing down in a tax free environment and making Yeah.","start_word":8598,"end_word":8653,"sentiment":"positive","sentiment_score":0.4263932704925537},{"text":"sure we claim the notice of intent there for you as well.","start_word":8654,"end_word":8665,"sentiment":"neutral","sentiment_score":0.292247474193573},{"text":"So over as a whole, the strategy works to support your ongoing living expenses needs as well as providing additional growth there and lowering your overall risk of your portfolio.","start_word":8666,"end_word":8695,"sentiment":"positive","sentiment_score":0.4710492491722107},{"text":"Does that make sense?","start_word":8696,"end_word":8699,"sentiment":"neutral","sentiment_score":0.30545297265052795},{"text":"Wonderful.","start_word":8700,"end_word":8700,"sentiment":"positive","sentiment_score":0.6534612774848938},{"text":"Right? That makes Yeah. sense to Beautiful. me.","start_word":8701,"end_word":8708,"sentiment":"neutral","sentiment_score":0.20744440145790577},{"text":"All good.","start_word":8709,"end_word":8710,"sentiment":"positive","sentiment_score":0.5487625002861023},{"text":"Look. I will let you go to read that over as you need to. Let me know if there It is might any be a additional tomorrow job. questions.","start_word":8711,"end_word":8739,"sentiment":"neutral","sentiment_score":0.08212459832429886},{"text":"That's absolutely fine.","start_word":8740,"end_word":8742,"sentiment":"positive","sentiment_score":0.3687598705291748},{"text":"All I'd probably ask is that if you wanna take on the recommendations, because we are so close to the end of the financial Yeah. year, if I'll we can I'll have sign that it sign today, of return but I'll before yeah. Just so we can get everything started for you, and I'll make sure my team knows that this is very time sensitive to get this moving ASAP. I'm also gonna send you a separate email yeah. shortly. I have some supporting documents to send through. It's just that Yeah. they wouldn't attach to that because it was quite a big document. So I'm gonna send a separate email with part of the statement, our financial services guide, and the appendix for you to also review as additional material if you're interested. Yep. And, like, as you when you've got time to read it over, let me know if there's any questions that come out of it.","start_word":8743,"end_word":8901,"sentiment":"neutral","sentiment_score":0.08798090368509293},{"text":"Happy to answer anything you like.","start_word":8902,"end_word":8907,"sentiment":"positive","sentiment_score":0.4724014103412628},{"text":"You could email me or call me, and I'll make time.","start_word":8908,"end_word":8918,"sentiment":"neutral","sentiment_score":0.2967660427093506},{"text":"But, yeah, I'm looking forward to it. I really appreciate putting this together for you. I've really enjoyed doing the research and putting it together, and I know it's a lot to go through, but I thank you for bearing with me.","start_word":8919,"end_word":8960,"sentiment":"positive","sentiment_score":0.4908930957317352},{"text":"Oh, I I appreciate you doing it whilst you're probably feeling like Okay. crap. It's honestly all good. It's all good.","start_word":8961,"end_word":8981,"sentiment":"neutral","sentiment_score":0.14441774785518646},{"text":"I'm actually really disappointed in my body. I was just like, no. This is horrible. I can't have my body falling apart at the end of June. It's a really inconvenient time. So no.","start_word":8982,"end_word":9015,"sentiment":"negative","sentiment_score":-0.6926100850105286},{"text":"All good. And, look, I'm off over the weekend anyway, so my body will have time to recover. I just needed to have enough downtime to make it so I could get out of bed and kind of get this sorted for you. And I really wanted to have it done before the end of today, and I'm so sorry that I rescheduled yesterday.","start_word":9016,"end_word":9079,"sentiment":"neutral","sentiment_score":-0.10425712598953396},{"text":"It was not preferable, and I hated doing it. I just didn't want you to have half a document.","start_word":9080,"end_word":9098,"sentiment":"negative","sentiment_score":-0.5032088160514832},{"text":"I wanted to make sure it was right for you. So Alright. yeah.","start_word":9099,"end_word":9111,"sentiment":"neutral","sentiment_score":0.08324234187602997},{"text":"I I appreciate all of your effort. Thank you very much. And I shall Oh, get my this pleasure. signed and back to you and move forward. Oh, thank you so much, Catherine. I'll let you go. I hope you have a good day. Thanks.","start_word":9112,"end_word":9156,"sentiment":"positive","sentiment_score":0.5904912948608398},{"text":"I hope you're not too busy today. I hope not. You too. I had a downtime.","start_word":9157,"end_word":9172,"sentiment":"neutral","sentiment_score":0.16103652119636536},{"text":"Absolutely.","start_word":9173,"end_word":9173,"sentiment":"positive","sentiment_score":0.3397480249404907},{"text":"Alright.","start_word":9174,"end_word":9174,"sentiment":"neutral","sentiment_score":0.30130431056022644},{"text":"Thanks, Oh, Donna. my pleasure. Have a great day. Say hi to Greg for me, and enjoy the rest of your week. Enjoy your weekend and rest up. I will. Thank you Alrighty. so much. I'll talk to you soon.","start_word":9175,"end_word":9214,"sentiment":"positive","sentiment_score":0.5824688076972961},{"text":"See you later. Okay. Bye.","start_word":9215,"end_word":9219,"sentiment":"neutral","sentiment_score":0.2366899400949478},{"text":"Thanks.","start_word":9220,"end_word":9220,"sentiment":"positive","sentiment_score":0.44873255491256714},{"text":"Bye bye.","start_word":9221,"end_word":9222,"sentiment":"neutral","sentiment_score":0.2452779859304428}],"average":{"sentiment":"neutral","sentiment_score":0.13300897937715148}}}}