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Good to hear. I've got an updated strategy to send through to you. Will you be able to look at your emails today with me? Fantastic. So I'm gonna pop that through to the Gmail now. But just while I'm doing that, could I please confirm your date of birth and address for security? Yep. Sensational. Thank you for that. So So that should come through pretty quickly. Just let me know when you do get that email. And, yeah, pretty excited to go through a couple of things with you today. If you remember a few months ago, we were speaking about updating some portfolio investments in the super, talking about contributions, a few different things there, and a bit more frequent contact as well. So just wanted to go through what I've come up with together. Yeah. That's the one. So that's from our new Odoo system. It should bring up our the statement of advice should be the first document. It looks like a Gold Coast City beachfront picture. Amazing. So if you can scroll through down to page four for me, I'm just gonna quickly touch on the scope of the advice together, and then I'll double check details and run through the recommendation. So you should see a blue heading on that page, scope of advice considered. Can you see that there? Perfect. So the main thing is we were wanting to the overarching goal was that retirement at age 67 or earlier if possible. But we were just reviewing the portfolio in the super, and we wanted to have a bit more frequent contact just to make sure that we're keeping an eye on things a little bit closer and especially when it comes to things like contributions and caps given your high income. Does that ring a bell? Right. Amazing. If you go a little bit further down, cash flow and contributions, I have come up with a few ideas when it comes to the contributions. I'll run by at the moment, but we were talking about potentially doing somewhere between 70 to $80 of salary sacrifice, but I've come up with a bit of a different way of doing contributions. Sorry. In the second table is cash flow and contributions. We were looking at on that page three and four where we've got scope of advice considered, super is the first table, cash flow is the second table. No table on page three. It should look like a bit of a blue. Yeah. Are you? Yeah. For the concessional cap. That's correct. So that's what I've factored into the advice because I mentioned I had to do it a little bit differently this time. When we looked at your last twelve months, there was about 25,000 had gone in from your employer. But you were talking to me about, like, your your base salary of about 230,000 and a full package of $2.50, which included bonuses and everything like that. So what my my strategy essentially was is that when we get to the end of financial year, rather than doing any salary sacrifice or anything like that, is we'll just actually double check what's going in from the employer If they have maxed out the new cap, which has increased to 32,500, then we won't do anything. But if there is a little bit of a leeway, we could just do an end of financial year contribution just to top it up to the maximum. Would that be okay? Perfect. I think it's just the same strategy that I do with my father-in-law. He's out in the mines, and he earns about the same. And I basically tell him, mate, your your income's going up and down so much. Let's not do any salary sacrifice. And then every June, I sit down with the family and go through some contribution ideas with them just before tax season. Perfect. So what I'm basically gonna do is I'll flag on your profile for that quarterly contact. But then in May, the team will reach out to you just to have a quick chat with me. And if there is anything to do at end financial year, I'll make sure that we start that conversation at the end of May so that we've got about a month's leeway in case we need to do any transactions. Yeah. Pretty much. So let it run for the financial year so far, see how it actually goes and plays out in reality. And then if there is room, then we can look at a small contribution. I think I was only looking at maybe 2,500 this financial year because I was thinking that you were gonna hit 30,000 based on your your income. Fantastic. So, again, there might be a bit of a leeway with the increased cap at the moment. I'm not banking on it for the retirement, but at least the option's there as well. Cool. If you go down a little bit past there, I have put in for a limited scope. Just a reminder to make sure that we've got the will and the power of attorney in place, but the beneficiary nominations were already in line with with what you wanted. You don't need to have one. It's just recommended. Power of attorney is probably the one I would advise the most because, obviously, if you're in hospital, can't act on your own behalf. It just allows it much easier for someone to access bank accounts and talk to the doctors, which normally they default to a spouse, but this just puts it in legal writing. They're not a necessity, but I do recommend them. K? If nothing else, I know the the Australia Post offers will kits and power of attorney kits for about $25 each, government approved. They're very basic, but at least they help people get something in place. Yeah. Have a look. If you got any questions, just give us a bell. I'll check on it at the next conversation anyway. But, look, I know there's usually a barrier. Not everyone wants to go and sit down with a solicitor for four and a half thousand dollars to draw up paperwork if it's not necessary, but there are options out there. Perfect. Alright. Now if you go down past there, so this advice was just focused on reviewing the super and the contribution options. We're not giving you advice when it comes to debt management in terms of purchasing property, paying off property, and the like. That's something that you seem to be pretty capable of managing personally. But, again, we can talk about it at any time as well. Absolutely. If you go down past there, page six will have a limited advice warning, which, again, we're not covering everything under the sun. And if any details we have are are not accurate, that may impact the figures. Cool. The next two pages about you section and your assets and liabilities, I just wanna make sure that's pretty accurate. I know I just put down in terms of savings, you were able to commit to maybe 75 a week for the contributions. Civil engineer, total package of $2.50. We've got the home, two cars, and your shares is the main asset that we have noted down. Perfect. Yep. Perfect. Perfect. I've got your hub 24 listed in there. So when I last spoke to you, I think it was sitting at $485,000. Couple of weeks later, the market's bottomed out at $4.65, and then it's bounced back up to about $5.00 8 as of today. The $5.00 4 listed in this document is just when we completed the research. K. So a bit of a nice bounce back, bit of volatility to to sort of go through. After that, I've got your risk profile listed as growth, which is that kind of four out of five on the risk scale. You were talking to me about not wanting to go high risk with it, but, again, primarily focusing on capital growth. K. So if you go down past there, you'll see a bit of an exploded pie chart. It gives you an idea of what a growth portfolio looks like, but I'll run through the figures with you in a moment. If you can just look at the strategy recommendations page on eleven and twelve, it is quite text heavy, but just let me know when you can see that. So the first heading is strategy recommendations. 12 has a bit of a table with advantages and disadvantages on it. Alright. Can you see that heading there okay, Carla? So I'll give you a bit of a a summary for it. So what we're essentially doing is we identified one investment in particular that was underperforming, which was the Ben Long Australian shares. The rest of the portfolio was doing pretty good, but we have had some updated information from the governments and the investment committee about one other investment as well that I'm looking to change. Now what we're essentially doing is we're switching a couple of investments, and I'm recommending that we do a rebalance where if we recommend eight investments for you, over time, some of them grow, some of them grow at different rates, and a rebalance basically just brings everything back in line with the weightings that we recommended. So a switch of two and a rebalance of the rest, what that essentially does is it shows up the performance over one, three, and five years. It does have a much better fee impact. So the investments that we're switching out are more affordable, the ones that you currently have. We have factored in a bit of capital gains tax that happened inside the super, but I'll show you that figure in a moment. If you go on the next page sorry. Before you do that, we've included the usual ten year projection to show the impact of the recommendations, but we're not doing a full retirement analysis because, again, nineteen to twenty years, we can't accurately predict what that's gonna look like because so many variables and changes in life. But as you get closer and closer, we will refine that. And within those last ten years, we'll start to do a retirement analysis just to show how long the funds are lasting and how you're tracking for that goal. Okay? In terms of advantages and disadvantages, same thing. Performance and fee improvements is what we're aiming for. We factored in $1,072.97 of capital gains tax inside the super, and that's from the buying and the selling of those options to rebalance everything. So I've put that into the projections as well. Just as a so the photo would have page 12, and it's an advantages and disadvantages table. And see on the right hand side for the disadvantages, we have brokerage fees highlighted. So the investments that we use for your super are ETFs. So you pay a little bit of brokerage upfront to purchase them, but then they're the kind of lowest fee investments going forward after you purchase them. So we factored in that 0.11% of brokerage fee, and then the second paragraph, factoring in the capital gains tax of switching the investments. K? Now in the $72.97. It does change daily as some options go up and down. That does fluctuate constantly, but the snapshot that we did when we did the research, it worked out to be about that. Now if you go down, the next page will have the usual warnings about, of course, market risk, not able to predict investment performance and so on, and that the capital gains tax figures do calculate daily. So it depends on when the switch actually goes ahead. Alternatives, we did look at the current portfolio and a couple of more up to date ones where I was looking at a full overhaul, and that was going to come out to be about 2,700 in capital gains tax to sell everything and rebuild your portfolio from scratch. It didn't really come out to be that good in terms of fees and performance, so I didn't recommend anything drastic. Again, it's just two options switched out and a rebalance of the portfolio. So if you go down, here we get to the figures. You should see on page 14 a blue table for the investments, and there's a whole bunch of different red highlighted figures for the investments that we're changing. So the main ones to point out here is if you look at the top row, beta shares of Strathclyde Bank Hybrids, BHYB, that one we're recommending you sell out of completely. Reason being is the government is actually phasing out bank hybrids as an investment vehicle. And over the next couple of years, that will no longer be an investment option. So we're looking at the bottom to put it into an iShares bond ETF called IAF. Pretty similar in terms of fees and performance, and that's kind of your defensive portion. The main switch out, so there's a rebalancing of your agriculture share. Yeah. So BetaShares is one of the companies. BetaShares, BlackRock, Vanguard, they're the sort of fund managers, if you will. The next row is just agricultural shares. They're not term deposits or bonds. It's a different option altogether. The API code is food on that one, so nice and easy. We're just rebalancing that back to the original 7%. And the same thing with gold as well. It's performed very, very well. It's had a bit of a pullback after the year, and we don't really recommend having more than 10% as a satellite at any one point. So as it tends to grow, we tend to just trim off a bit of the profit every now and then. Cybersecurity and S and P five hundred, they're pretty standard shares for you. S and P 500 is your core international shares. That's been doing very well. The RAFI Australia 200, that's your Australian shares or a portion of them. That one's been doing well too. It's that Benelon option afterwards that I'm wanting to sell out of. Yeah. So I've found a like for like replacement at the bottom, which is Alfiniti. Now Alfiniti is a similar style of active Australian shares, but it's about 10% less expensive for fees, and the performance over one, three, five, and ten years is all far stronger. This one's actually outperformed the Australian stock market over those periods as well. So it's a bit of a an engine tune up is how I would describe it. K. So, again, two switch outs for the bank hybrids that are being phased out and Benelon, which has been underperforming, and the rest will be rebalanced. K. If you go past there, we do just have your cash table because hub twenty four runs 1.25% cash in your internal bank account. So I factored that in as well. The three tables I really wanted to show you to sort of cap off why we're doing this is page 16 has your asset allocation pie chart, nice colorful one there. The middle row, growth total. So when you're in that growth risk profile, we're kind of bouncing between 80 to 90% growth assets. Anything above 90 would be high growth or high risk. So you're currently sitting at about 88. With the rebalance, you go to about 87, still within that range of the growth risk profile. See comparison table on the next page. So what I've done is, again, factored in that capital gains tax and the contributions that I was looking at just to bring you up to the cap. And I've included at the bottom of that table the five year rolling average performance difference between the two, but the next page has the different time periods as well for performance. Now if you go on to 18, we've got a bit of an updated five and ten year projection. Again, bit of grain of salt. This is just projecting forward if the markets continue to do what they were doing, which, again, the switch out of the investments and the rebalance with any kind of top up of contributions to make sure you are hitting the cap, that should get you about another 50 to 150,000 over the next five to ten years. Now one, three, and five years listed below. I think the main thing I wanted to point out here in the performance side by side where it says annualized investment returns, June 30, is we're just trying to bring all time periods back up into the double digit space. Normally, with a growth portfolio, your kind of benchmark is nine to 10%. If we can consistently keep getting that kind of 11 to 15, that's gonna get you that buffer for the retirement goal. K? Outside of that, that pretty much caps off the recommendations outside of the contributions where I go into a little bit more depth about things to watch out for when it comes to contributions. But do you have any questions on the portfolio side of things at this point? Yeah. Yes. So Oh, yes. So the last year versus this year is in a annual review report separately. So this one is just a forward looking advice piece about what you we think you should do going forward. I do correct. So we've got the balance based on when we figured it out. But twelve months ago, it was sorry, just bear with me for a moment, four sixty, and you're at $5.00 8 today. Oh, yes. Sorry. $4.85 was when we last spoke in March right in the middle of that market downturn. Yep. So twelve months ago, April. 03/04/1985. Currently, 05/2008. Cool. And sorry. It also yeah. It does. Just the contribution amount. Yeah. No. A 100%. If you were negative, I would definitely have to tell you that, and then we'd be having conversation about do we change anything? Do we reduce risk? What do we do? Again, there's gonna be a negative every seven years when the market crashes. That's fair enough, but we need to compare and make sure is it behaving as we would expect in that scenario and what to do going forward. When it comes to the contributions, please also remember as well that your employer contributions get taxed at 15%. So that's the concessional rate as opposed to your marginal rate. So whatever goes in there, 25, 30, it will be 15% less that gets invested. There is one other contribution point that I really need to let you know of as well. Just out of curiosity, Kala, have you managed to do your tax return this year? No. That's okay. So if you can go down on the next pages for me, I wanna kinda just break this down a little bit for you because I believe this might be the first year that you've experienced division two nine three in your tax return. Did you remember getting, like, a liability letter last year? Yeah. So I've given you a bit of a table here which breaks it down pretty well. I'd Please forgive me for the amount of figures in the table, but on page 19, I've got a bit of a income and contributions table. Gives you a bit of an estimate if you can see it. So let's say you do earn 250,000. Anybody whose income and contributions combined are above $2.50 falls into a division two nine three category where they have a bit of a formula that calculates contributions above $2.50. They cop an extra 15% tax rate. Yeah. So instead of, like, you're getting taxed at 47%, the highest marginal rate, instead of getting your 15, they lump another 15 on top to a portion of them, not all of them. So what I've sort of analyzed for you is that if you look at the second last row of the top section of the table, I've put in division two nine three tax. I have estimated it at 4,500. That's essentially that extra 15% of a portion of the contribution. Now let's say you ended the year with 30,000 of contributions and you put an extra 2 and a half in at the end of financial year. It wouldn't actually increase your division two nine three liability based on the old pay calculator. But, basically, what happens is this is something that rather than the tax getting taken out of your super account along with your contributions, this comes at tax time. So you do your tax return. The government says you fall into this category. Please pay $4,500, and then you have the option to either pay that personally through the tax return or elect to release some funds from super to pay for that liability. So you still do get about a 17% benefit on those higher contributions. It's just not that full full tax deduction like you were getting, but it's just done separately, not through the super. It's done in your tax return. So I hope that makes a bit of sense, but as long as you keep earning what you are, you will continue to get that on a yearly basis just like my father-in-law and a number of clients that we have. And, again, you either pay it personally or release some funds from super. It's kind of a bit different than breaching your cap. Either one, to be honest. If you release a bit of funds out of super, that'll pay for it, but, obviously, a little bit comes out of the super funds, so a little bit less invested. But then do you have do you want the rest taken out of your tax returns? So if you were gonna get $6 back, you only get 1,500. It's really up to you, your preference at that point. Okay. I just wanted to make you aware that whenever I factor in, like you said, the contributions and caps, you will continue to fall into that category, so I have to factor that in. But then again, as they increase the cap, we still wanna maximize it as best we can because you still do get a benefit. It's just not as big as when you were on, say, a 150,000. K? Cool. Does that make sense? It's not the most fun thing in the world, and I think it's a bit of a a slap in the face because I think high income owners in Australia probably get the worst tax outcome. And I don't think I would call you the Uber rich. Exactly. We we can't call you the 1%, Carlo. You have to pay your fare. Yeah? No. I remember my father-in-law saying the same thing. He goes, oh, you know, I earned $2.50 this year, and I think he paid, like, 80 something thousand dollars in tax. He just went, man, I can almost fund the village at this point. I should build my own town. Cool. That pretty much caps everything off. So the rest of the document is just the the will and the power of attorney information, just a bit of general information. We've got the services and fees at the bottom from Oakview and how we implement the advice, which is essentially if you authorize this document with a signature, we can switch your investments online. And then once it comes to end of financial year, I'll put in for a bit of a phone call just to see if we wanna do some extra contributions before the end of financial year. If we do that, we'll help you through the claim paperwork, which is just a a notice of intent to claim form. We'll help prefill all of that as well. Cool. Do you have any questions for me so far? No worries. Now just bear in mind, we won't move anything until you authorize. Please come back with any questions if you do have any. We've also included an appendix with additional research and some updated product disclosure documents, which is, again, Hub 24. Their PDFs investment menu, it's a couple of thousand pages of whatever you would like to know about Hub twenty four and all of the options they have. And there's an updated service guide for you as well. So have a read through. You don't have to scroll through all of those documents because it is a couple of thousand pages. You can just click next document, and it will bring you across. K. Yeah. The only signature on there is for the advice document, the authority to proceed. That should be the only one and a date. If you're happy with everything, give that a sign. We'll get that back and implement it. If you have any questions, just email the team or give us a call. And just bear in mind, the advice documents do have, like, a a thirty to sixty day expiry in case you do have a change in circumstances as well. Perfect. Yes. So full Croatian legal name, Tomislav Bukovic. As as registered with ASIC, adviser one two seven three one zero five. That is me. And from here too, Carlo, I was penciling in for your annual review when it comes due and that conversation for end of financial year. We were talking about possibly having, like, a quarterly catch up just to see how the portfolio is going. Do you still wanna do a quarterly catch up, six monthly? What would be your preference? Okay. Yeah. So I could put possibly put in for another conversation just before the end of the year if that helps. Yep. Yeah. Absolutely. Yeah. Yeah. I'll make sure that what we normally do is there'll be a call, text, and email if we miss anything. I know Christmas time, there's a lot of people wanting to have a chat about before the end of the year because the market's gone so terribly in March. So I do have a number of clients lined up for November, December, and I will absolutely endeavor to pencil you in for a catch up. And at the very least, just send you a bit of an email report so you've got it there as well. Oh, yeah. And it's not my strong suit because we do have that one three hundred numbers for people to call in. But because we use digital phone software, I'm not sure whether I actually came up as, like, a mobile number through the digital system or not. I'm not really the best with that. But I appreciate you saving the number. But if I always miss you, I will always send a text message straight afterwards just to let you know that it was me. No worries at all. Is there anything else I can help you with today before I let you enjoy the rest of your week? Well, Carlo, fingers crossed, the the world settles down a little bit, and we have a good conversation at Christmas time that everyone's winning. If not, I will go through what's been happening, what the options are, and look forward to chatting to you again soon. Amazing color. Have a great day. Thank you. 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afternoon, Carlo. Tommy here from Oakview, mate. How are you doing? Good to hear. I'm doing fantastic.\n\nIt's a beautiful, cold, drizzly day on the Gold Coast. What about your end? Good to hear. Good to hear. I've got an updated strategy to send through to you.\n\nWill you be able to look at your emails today with me? Fantastic. So I'm gonna pop that through to the Gmail now. But just while I'm doing that, could I please confirm your date of birth and address for security? Yep.\n\nSensational. Thank you for that. So So that should come through pretty quickly. Just let me know when you do get that email. And, yeah, pretty excited to go through a couple of things with you today.\n\nIf you remember a few months ago, we were speaking about updating some portfolio investments in the super, talking about contributions, a few different things there, and a bit more frequent contact as well. So just wanted to go through what I've come up with together. Yeah. That's the one. So that's from our new Odoo system.\n\nIt should bring up our the statement of advice should be the first document. It looks like a Gold Coast City beachfront picture. Amazing. So if you can scroll through down to page four for me, I'm just gonna quickly touch on the scope of the advice together, and then I'll double check details and run through the recommendation. So you should see a blue heading on that page, scope of advice considered.\n\nCan you see that there? Perfect. So the main thing is we were wanting to the overarching goal was that retirement at age 67 or earlier if possible. But we were just reviewing the portfolio in the super, and we wanted to have a bit more frequent contact just to make sure that we're keeping an eye on things a little bit closer and especially when it comes to things like contributions and caps given your high income. Does that ring a bell?\n\nRight. Amazing. If you go a little bit further down, cash flow and contributions, I have come up with a few ideas when it comes to the contributions. I'll run by at the moment, but we were talking about potentially doing somewhere between 70 to $80 of salary sacrifice, but I've come up with a bit of a different way of doing contributions. Sorry.\n\nIn the second table is cash flow and contributions. We were looking at on that page three and four where we've got scope of advice considered, super is the first table, cash flow is the second table. No table on page three. It should look like a bit of a blue. Yeah.\n\nAre you? Yeah. For the concessional cap. That's correct. So that's what I've factored into the advice because I mentioned I had to do it a little bit differently this time.\n\nWhen we looked at your last twelve months, there was about 25,000 had gone in from your employer. But you were talking to me about, like, your your base salary of about 230,000 and a full package of $2.50, which included bonuses and everything like that. So what my my strategy essentially was is that when we get to the end of financial year, rather than doing any salary sacrifice or anything like that, is we'll just actually double check what's going in from the employer If they have maxed out the new cap, which has increased to 32,500, then we won't do anything. But if there is a little bit of a leeway, we could just do an end of financial year contribution just to top it up to the maximum. Would that be okay?\n\nPerfect. I think it's just the same strategy that I do with my father-in-law. He's out in the mines, and he earns about the same. And I basically tell him, mate, your your income's going up and down so much. Let's not do any salary sacrifice.\n\nAnd then every June, I sit down with the family and go through some contribution ideas with them just before tax season. Perfect. So what I'm basically gonna do is I'll flag on your profile for that quarterly contact. But then in May, the team will reach out to you just to have a quick chat with me. And if there is anything to do at end financial year, I'll make sure that we start that conversation at the end of May so that we've got about a month's leeway in case we need to do any transactions.\n\nYeah. Pretty much. So let it run for the financial year so far, see how it actually goes and plays out in reality. And then if there is room, then we can look at a small contribution. I think I was only looking at maybe 2,500 this financial year because I was thinking that you were gonna hit 30,000 based on your your income.\n\nFantastic. So, again, there might be a bit of a leeway with the increased cap at the moment. I'm not banking on it for the retirement, but at least the option's there as well. Cool. If you go down a little bit past there, I have put in for a limited scope.\n\nJust a reminder to make sure that we've got the will and the power of attorney in place, but the beneficiary nominations were already in line with with what you wanted. You don't need to have one. It's just recommended. Power of attorney is probably the one I would advise the most because, obviously, if you're in hospital, can't act on your own behalf. It just allows it much easier for someone to access bank accounts and talk to the doctors, which normally they default to a spouse, but this just puts it in legal writing.\n\nThey're not a necessity, but I do recommend them. K? If nothing else, I know the the Australia Post offers will kits and power of attorney kits for about $25 each, government approved. They're very basic, but at least they help people get something in place. Yeah.\n\nHave a look. If you got any questions, just give us a bell. I'll check on it at the next conversation anyway. But, look, I know there's usually a barrier. Not everyone wants to go and sit down with a solicitor for four and a half thousand dollars to draw up paperwork if it's not necessary, but there are options out there.\n\nPerfect. Alright. Now if you go down past there, so this advice was just focused on reviewing the super and the contribution options. We're not giving you advice when it comes to debt management in terms of purchasing property, paying off property, and the like. That's something that you seem to be pretty capable of managing personally.\n\nBut, again, we can talk about it at any time as well. Absolutely. If you go down past there, page six will have a limited advice warning, which, again, we're not covering everything under the sun. And if any details we have are are not accurate, that may impact the figures. Cool.\n\nThe next two pages about you section and your assets and liabilities, I just wanna make sure that's pretty accurate. I know I just put down in terms of savings, you were able to commit to maybe 75 a week for the contributions. Civil engineer, total package of $2.50. We've got the home, two cars, and your shares is the main asset that we have noted down. Perfect.\n\nYep. Perfect. Perfect. I've got your hub 24 listed in there. So when I last spoke to you, I think it was sitting at $485,000.\n\nCouple of weeks later, the market's bottomed out at $4.65, and then it's bounced back up to about $5.00 8 as of today. The $5.00 4 listed in this document is just when we completed the research. K. So a bit of a nice bounce back, bit of volatility to to sort of go through. After that, I've got your risk profile listed as growth, which is that kind of four out of five on the risk scale.\n\nYou were talking to me about not wanting to go high risk with it, but, again, primarily focusing on capital growth. K. So if you go down past there, you'll see a bit of an exploded pie chart. It gives you an idea of what a growth portfolio looks like, but I'll run through the figures with you in a moment. If you can just look at the strategy recommendations page on eleven and twelve, it is quite text heavy, but just let me know when you can see that.\n\nSo the first heading is strategy recommendations. 12 has a bit of a table with advantages and disadvantages on it. Alright. Can you see that heading there okay, Carla? So I'll give you a bit of a a summary for it.\n\nSo what we're essentially doing is we identified one investment in particular that was underperforming, which was the Ben Long Australian shares. The rest of the portfolio was doing pretty good, but we have had some updated information from the governments and the investment committee about one other investment as well that I'm looking to change. Now what we're essentially doing is we're switching a couple of investments, and I'm recommending that we do a rebalance where if we recommend eight investments for you, over time, some of them grow, some of them grow at different rates, and a rebalance basically just brings everything back in line with the weightings that we recommended. So a switch of two and a rebalance of the rest, what that essentially does is it shows up the performance over one, three, and five years. It does have a much better fee impact.\n\nSo the investments that we're switching out are more affordable, the ones that you currently have. We have factored in a bit of capital gains tax that happened inside the super, but I'll show you that figure in a moment. If you go on the next page sorry. Before you do that, we've included the usual ten year projection to show the impact of the recommendations, but we're not doing a full retirement analysis because, again, nineteen to twenty years, we can't accurately predict what that's gonna look like because so many variables and changes in life. But as you get closer and closer, we will refine that.\n\nAnd within those last ten years, we'll start to do a retirement analysis just to show how long the funds are lasting and how you're tracking for that goal. Okay? In terms of advantages and disadvantages, same thing. Performance and fee improvements is what we're aiming for. We factored in $1,072.97 of capital gains tax inside the super, and that's from the buying and the selling of those options to rebalance everything.\n\nSo I've put that into the projections as well. Just as a so the photo would have page 12, and it's an advantages and disadvantages table. And see on the right hand side for the disadvantages, we have brokerage fees highlighted. So the investments that we use for your super are ETFs. So you pay a little bit of brokerage upfront to purchase them, but then they're the kind of lowest fee investments going forward after you purchase them.\n\nSo we factored in that 0.11% of brokerage fee, and then the second paragraph, factoring in the capital gains tax of switching the investments. K? Now in the $72.97. It does change daily as some options go up and down. That does fluctuate constantly, but the snapshot that we did when we did the research, it worked out to be about that.\n\nNow if you go down, the next page will have the usual warnings about, of course, market risk, not able to predict investment performance and so on, and that the capital gains tax figures do calculate daily. So it depends on when the switch actually goes ahead. Alternatives, we did look at the current portfolio and a couple of more up to date ones where I was looking at a full overhaul, and that was going to come out to be about 2,700 in capital gains tax to sell everything and rebuild your portfolio from scratch. It didn't really come out to be that good in terms of fees and performance, so I didn't recommend anything drastic. Again, it's just two options switched out and a rebalance of the portfolio.\n\nSo if you go down, here we get to the figures. You should see on page 14 a blue table for the investments, and there's a whole bunch of different red highlighted figures for the investments that we're changing. So the main ones to point out here is if you look at the top row, beta shares of Strathclyde Bank Hybrids, BHYB, that one we're recommending you sell out of completely. Reason being is the government is actually phasing out bank hybrids as an investment vehicle. And over the next couple of years, that will no longer be an investment option.\n\nSo we're looking at the bottom to put it into an iShares bond ETF called IAF. Pretty similar in terms of fees and performance, and that's kind of your defensive portion. The main switch out, so there's a rebalancing of your agriculture share. Yeah. So BetaShares is one of the companies.\n\nBetaShares, BlackRock, Vanguard, they're the sort of fund managers, if you will. The next row is just agricultural shares. They're not term deposits or bonds. It's a different option altogether. The API code is food on that one, so nice and easy.\n\nWe're just rebalancing that back to the original 7%. And the same thing with gold as well. It's performed very, very well. It's had a bit of a pullback after the year, and we don't really recommend having more than 10% as a satellite at any one point. So as it tends to grow, we tend to just trim off a bit of the profit every now and then.\n\nCybersecurity and S and P five hundred, they're pretty standard shares for you. S and P 500 is your core international shares. That's been doing very well. The RAFI Australia 200, that's your Australian shares or a portion of them. That one's been doing well too.\n\nIt's that Benelon option afterwards that I'm wanting to sell out of. Yeah. So I've found a like for like replacement at the bottom, which is Alfiniti. Now Alfiniti is a similar style of active Australian shares, but it's about 10% less expensive for fees, and the performance over one, three, five, and ten years is all far stronger. This one's actually outperformed the Australian stock market over those periods as well.\n\nSo it's a bit of a an engine tune up is how I would describe it. K. So, again, two switch outs for the bank hybrids that are being phased out and Benelon, which has been underperforming, and the rest will be rebalanced. K. If you go past there, we do just have your cash table because hub twenty four runs 1.25% cash in your internal bank account.\n\nSo I factored that in as well. The three tables I really wanted to show you to sort of cap off why we're doing this is page 16 has your asset allocation pie chart, nice colorful one there. The middle row, growth total. So when you're in that growth risk profile, we're kind of bouncing between 80 to 90% growth assets. Anything above 90 would be high growth or high risk.\n\nSo you're currently sitting at about 88. With the rebalance, you go to about 87, still within that range of the growth risk profile. See comparison table on the next page. So what I've done is, again, factored in that capital gains tax and the contributions that I was looking at just to bring you up to the cap. And I've included at the bottom of that table the five year rolling average performance difference between the two, but the next page has the different time periods as well for performance.\n\nNow if you go on to 18, we've got a bit of an updated five and ten year projection. Again, bit of grain of salt. This is just projecting forward if the markets continue to do what they were doing, which, again, the switch out of the investments and the rebalance with any kind of top up of contributions to make sure you are hitting the cap, that should get you about another 50 to 150,000 over the next five to ten years. Now one, three, and five years listed below. I think the main thing I wanted to point out here in the performance side by side where it says annualized investment returns, June 30, is we're just trying to bring all time periods back up into the double digit space.\n\nNormally, with a growth portfolio, your kind of benchmark is nine to 10%. If we can consistently keep getting that kind of 11 to 15, that's gonna get you that buffer for the retirement goal. K? Outside of that, that pretty much caps off the recommendations outside of the contributions where I go into a little bit more depth about things to watch out for when it comes to contributions. But do you have any questions on the portfolio side of things at this point?\n\nYeah. Yes. So Oh, yes. So the last year versus this year is in a annual review report separately. So this one is just a forward looking advice piece about what you we think you should do going forward.\n\nI do correct. So we've got the balance based on when we figured it out. But twelve months ago, it was sorry, just bear with me for a moment, four sixty, and you're at $5.00 8 today. Oh, yes. Sorry.\n\n$4.85 was when we last spoke in March right in the middle of that market downturn. Yep. So twelve months ago, April. 03/04/1985. Currently, 05/2008.\n\nCool. And sorry. It also yeah. It does. Just the contribution amount.\n\nYeah. No. A 100%. If you were negative, I would definitely have to tell you that, and then we'd be having conversation about do we change anything? Do we reduce risk?\n\nWhat do we do? Again, there's gonna be a negative every seven years when the market crashes. That's fair enough, but we need to compare and make sure is it behaving as we would expect in that scenario and what to do going forward. When it comes to the contributions, please also remember as well that your employer contributions get taxed at 15%. So that's the concessional rate as opposed to your marginal rate.\n\nSo whatever goes in there, 25, 30, it will be 15% less that gets invested. There is one other contribution point that I really need to let you know of as well. Just out of curiosity, Kala, have you managed to do your tax return this year? No. That's okay.\n\nSo if you can go down on the next pages for me, I wanna kinda just break this down a little bit for you because I believe this might be the first year that you've experienced division two nine three in your tax return. Did you remember getting, like, a liability letter last year? Yeah. So I've given you a bit of a table here which breaks it down pretty well. I'd Please forgive me for the amount of figures in the table, but on page 19, I've got a bit of a income and contributions table.\n\nGives you a bit of an estimate if you can see it. So let's say you do earn 250,000. Anybody whose income and contributions combined are above $2.50 falls into a division two nine three category where they have a bit of a formula that calculates contributions above $2.50. They cop an extra 15% tax rate. Yeah.\n\nSo instead of, like, you're getting taxed at 47%, the highest marginal rate, instead of getting your 15, they lump another 15 on top to a portion of them, not all of them. So what I've sort of analyzed for you is that if you look at the second last row of the top section of the table, I've put in division two nine three tax. I have estimated it at 4,500. That's essentially that extra 15% of a portion of the contribution. Now let's say you ended the year with 30,000 of contributions and you put an extra 2 and a half in at the end of financial year.\n\nIt wouldn't actually increase your division two nine three liability based on the old pay calculator. But, basically, what happens is this is something that rather than the tax getting taken out of your super account along with your contributions, this comes at tax time. So you do your tax return. The government says you fall into this category. Please pay $4,500, and then you have the option to either pay that personally through the tax return or elect to release some funds from super to pay for that liability.\n\nSo you still do get about a 17% benefit on those higher contributions. It's just not that full full tax deduction like you were getting, but it's just done separately, not through the super. It's done in your tax return. So I hope that makes a bit of sense, but as long as you keep earning what you are, you will continue to get that on a yearly basis just like my father-in-law and a number of clients that we have. And, again, you either pay it personally or release some funds from super.\n\nIt's kind of a bit different than breaching your cap. Either one, to be honest. If you release a bit of funds out of super, that'll pay for it, but, obviously, a little bit comes out of the super funds, so a little bit less invested. But then do you have do you want the rest taken out of your tax returns? So if you were gonna get $6 back, you only get 1,500.\n\nIt's really up to you, your preference at that point. Okay. I just wanted to make you aware that whenever I factor in, like you said, the contributions and caps, you will continue to fall into that category, so I have to factor that in. But then again, as they increase the cap, we still wanna maximize it as best we can because you still do get a benefit. It's just not as big as when you were on, say, a 150,000.\n\nK? Cool. Does that make sense? It's not the most fun thing in the world, and I think it's a bit of a a slap in the face because I think high income owners in Australia probably get the worst tax outcome. And I don't think I would call you the Uber rich.\n\nExactly. We we can't call you the 1%, Carlo. You have to pay your fare. Yeah? No.\n\nI remember my father-in-law saying the same thing. He goes, oh, you know, I earned $2.50 this year, and I think he paid, like, 80 something thousand dollars in tax. He just went, man, I can almost fund the village at this point. I should build my own town. Cool.\n\nThat pretty much caps everything off. So the rest of the document is just the the will and the power of attorney information, just a bit of general information. We've got the services and fees at the bottom from Oakview and how we implement the advice, which is essentially if you authorize this document with a signature, we can switch your investments online. And then once it comes to end of financial year, I'll put in for a bit of a phone call just to see if we wanna do some extra contributions before the end of financial year. If we do that, we'll help you through the claim paperwork, which is just a a notice of intent to claim form.\n\nWe'll help prefill all of that as well. Cool. Do you have any questions for me so far? No worries. Now just bear in mind, we won't move anything until you authorize.\n\nPlease come back with any questions if you do have any. We've also included an appendix with additional research and some updated product disclosure documents, which is, again, Hub 24. Their PDFs investment menu, it's a couple of thousand pages of whatever you would like to know about Hub twenty four and all of the options they have. And there's an updated service guide for you as well. So have a read through.\n\nYou don't have to scroll through all of those documents because it is a couple of thousand pages. You can just click next document, and it will bring you across. K. Yeah. The only signature on there is for the advice document, the authority to proceed.\n\nThat should be the only one and a date. If you're happy with everything, give that a sign. We'll get that back and implement it. If you have any questions, just email the team or give us a call. And just bear in mind, the advice documents do have, like, a a thirty to sixty day expiry in case you do have a change in circumstances as well.\n\nPerfect. Yes. So full Croatian legal name, Tomislav Bukovic. As as registered with ASIC, adviser one two seven three one zero five. That is me.\n\nAnd from here too, Carlo, I was penciling in for your annual review when it comes due and that conversation for end of financial year. We were talking about possibly having, like, a quarterly catch up just to see how the portfolio is going. Do you still wanna do a quarterly catch up, six monthly? What would be your preference? Okay.\n\nYeah. So I could put possibly put in for another conversation just before the end of the year if that helps. Yep. Yeah. Absolutely.\n\nYeah. Yeah. I'll make sure that what we normally do is there'll be a call, text, and email if we miss anything. I know Christmas time, there's a lot of people wanting to have a chat about before the end of the year because the market's gone so terribly in March. So I do have a number of clients lined up for November, December, and I will absolutely endeavor to pencil you in for a catch up.\n\nAnd at the very least, just send you a bit of an email report so you've got it there as well. Oh, yeah. And it's not my strong suit because we do have that one three hundred numbers for people to call in. But because we use digital phone software, I'm not sure whether I actually came up as, like, a mobile number through the digital system or not. I'm not really the best with that.\n\nBut I appreciate you saving the number. But if I always miss you, I will always send a text message straight afterwards just to let you know that it was me. No worries at all. Is there anything else I can help you with today before I let you enjoy the rest of your week? Well, Carlo, fingers crossed, the the world settles down a little bit, and we have a good conversation at Christmas time that everyone's winning.\n\nIf not, I will go through what's been happening, what the options are, and look forward to chatting to you again soon. Amazing color. Have a great day. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Carlo.","start":1.92,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.2776524176200231},{"text":"Tommy here from Oakview, mate.","start":3.1999998,"end":4.4,"sentiment":"neutral","sentiment_score":0.1993759572505951},{"text":"How are you doing?","start":4.4,"end":5.22,"sentiment":"neutral","sentiment_score":0.20689816772937775},{"text":"Good to hear.","start":7.12,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5689082145690918},{"text":"I'm doing fantastic.","start":7.7599998,"end":8.82,"sentiment":"positive","sentiment_score":0.7773658633232117}],"sentiment":"positive","sentiment_score":0.37201399687263703,"num_words":18,"start":1.92,"end":8.82},{"sentences":[{"text":"It's a beautiful, cold, drizzly day on the Gold Coast.","start":8.88,"end":11.36,"sentiment":"positive","sentiment_score":0.5551815301179885},{"text":"What about your end?","start":11.36,"end":12.435,"sentiment":"neutral","sentiment_score":0.16614932008087635},{"text":"Good to hear.","start":14.915001,"end":15.555,"sentiment":"positive","sentiment_score":0.49742748339970905},{"text":"Good to hear.","start":15.555,"end":16.295,"sentiment":"positive","sentiment_score":0.4667466978232066},{"text":"I've got an updated strategy to send through to you.","start":16.355,"end":19.475,"sentiment":"neutral","sentiment_score":0.2183838665485382}],"sentiment":"positive","sentiment_score":0.37642579302191737,"num_words":30,"start":8.88,"end":19.475},{"sentences":[{"text":"Will you be able to look at your emails today with me?","start":19.475,"end":22.215,"sentiment":"neutral","sentiment_score":0.12619519606232643},{"text":"Fantastic.","start":24.195,"end":24.695,"sentiment":"positive","sentiment_score":0.5593920946121216},{"text":"So I'm gonna pop that through to the Gmail now.","start":24.835,"end":28.119999,"sentiment":"neutral","sentiment_score":0.17390348985791207},{"text":"But just while I'm doing that, could I please confirm your date of birth and address for security?","start":28.119999,"end":33.82,"sentiment":"neutral","sentiment_score":0.04881270105640093},{"text":"Yep.","start":47.335,"end":47.574997,"sentiment":"neutral","sentiment_score":0.11505194753408432}],"sentiment":"neutral","sentiment_score":0.11443928363067764,"num_words":42,"start":19.475,"end":47.574997},{"sentences":[{"text":"Sensational.","start":47.574997,"end":48.074997,"sentiment":"neutral","sentiment_score":0.24583254754543304},{"text":"Thank you for that.","start":48.535,"end":49.254997,"sentiment":"positive","sentiment_score":0.6276308447122574},{"text":"So So that should come through pretty quickly.","start":49.254997,"end":51.28,"sentiment":"positive","sentiment_score":0.49097391963005066},{"text":"Just let me know when you do get that email.","start":51.28,"end":53.3,"sentiment":"neutral","sentiment_score":0.22991438657045365},{"text":"And, yeah, pretty excited to go through a couple of things with you today.","start":53.519997,"end":57.14,"sentiment":"positive","sentiment_score":0.4313838928937912}],"sentiment":"positive","sentiment_score":0.4060179905311481,"num_words":37,"start":47.574997,"end":57.14},{"sentences":[{"text":"If you remember a few months ago, we were speaking about updating some portfolio investments in the super, talking about contributions, a few different things there, and a bit more frequent contact as well.","start":57.28,"end":70.325,"sentiment":"neutral","sentiment_score":0.14391138185473049},{"text":"So just wanted to go through what I've come up with together.","start":70.325,"end":72.985,"sentiment":"neutral","sentiment_score":0.18349753568569818},{"text":"Yeah.","start":85.54,"end":85.86,"sentiment":"neutral","sentiment_score":0.010897766798734663},{"text":"That's the one.","start":85.86,"end":86.5,"sentiment":"neutral","sentiment_score":0.017262697219848633},{"text":"So that's from our new Odoo system.","start":86.5,"end":88.34,"sentiment":"neutral","sentiment_score":0.058330896709646494}],"sentiment":"neutral","sentiment_score":0.13273613239850915,"num_words":57,"start":57.28,"end":88.34},{"sentences":[{"text":"It should bring up our the statement of advice should be the first document.","start":88.34,"end":93.415,"sentiment":"neutral","sentiment_score":0.09059589409402438},{"text":"It looks like a Gold Coast City beachfront picture.","start":93.415,"end":96.075,"sentiment":"neutral","sentiment_score":0.07227481363548173},{"text":"Amazing.","start":99.015,"end":99.515,"sentiment":"positive","sentiment_score":0.3919919729232788},{"text":"So if you can scroll through down to page four for me, I'm just gonna quickly touch on the scope of the advice together, and then I'll double check details and run through the recommendation.","start":99.575,"end":109.28,"sentiment":"neutral","sentiment_score":0.18714235233409063},{"text":"So you should see a blue heading on that page, scope of advice considered.","start":111.1,"end":115.02,"sentiment":"neutral","sentiment_score":0.07154140887515885}],"sentiment":"neutral","sentiment_score":0.1351009571082788,"num_words":73,"start":88.34,"end":115.02},{"sentences":[{"text":"Can you see that there?","start":115.02,"end":116.115,"sentiment":"neutral","sentiment_score":0.05437797605991364},{"text":"Perfect.","start":117.314995,"end":117.795,"sentiment":"positive","sentiment_score":0.35003334283828735},{"text":"So the main thing is we were wanting to the overarching goal was that retirement at age 67 or earlier if possible.","start":117.795,"end":124.534996,"sentiment":"neutral","sentiment_score":0.14939289125190539},{"text":"But we were just reviewing the portfolio in the super, and we wanted to have a bit more frequent contact just to make sure that we're keeping an eye on things a little bit closer and especially when it comes to things like contributions and caps given your high income.","start":125.155,"end":138.92,"sentiment":"neutral","sentiment_score":0.07661632686853409},{"text":"Does that ring a bell?","start":138.92,"end":140.06,"sentiment":"neutral","sentiment_score":0.030617476254701615}],"sentiment":"neutral","sentiment_score":0.09509000669132514,"num_words":83,"start":115.02,"end":140.06},{"sentences":[{"text":"Right.","start":141.15999,"end":141.65999,"sentiment":"neutral","sentiment_score":0.2666037082672119},{"text":"Amazing.","start":141.95999,"end":142.45999,"sentiment":"positive","sentiment_score":0.7212333679199219},{"text":"If you go a little bit further down, cash flow and contributions, I have come up with a few ideas when it comes to the contributions.","start":142.59999,"end":149.445,"sentiment":"neutral","sentiment_score":0.27314551403889287},{"text":"I'll run by at the moment, but we were talking about potentially doing somewhere between 70 to $80 of salary sacrifice, but I've come up with a bit of a different way of doing contributions.","start":149.745,"end":161.5,"sentiment":"neutral","sentiment_score":0.02402921606387411},{"text":"Sorry.","start":165.8,"end":166.28,"sentiment":"neutral","sentiment_score":-0.12687653303146362}],"sentiment":"neutral","sentiment_score":0.13755885110003874,"num_words":64,"start":141.15999,"end":166.28},{"sentences":[{"text":"In the second table is cash flow and contributions.","start":166.28,"end":169.74,"sentiment":"neutral","sentiment_score":-0.021527800295088027},{"text":"We were looking at on that page three and four where we've got scope of advice considered, super is the first table, cash flow is the second table.","start":170.44,"end":181.805,"sentiment":"neutral","sentiment_score":-0.0009880901447364262},{"text":"No table on page three.","start":185.95999,"end":187.08,"sentiment":"neutral","sentiment_score":-0.0889770969748497},{"text":"It should look like a bit of a blue.","start":187.08,"end":189.9,"sentiment":"neutral","sentiment_score":-0.07364990189671516},{"text":"Yeah.","start":199.735,"end":200.235,"sentiment":"neutral","sentiment_score":0.051100775599479675}],"sentiment":"neutral","sentiment_score":-0.024577895251031105,"num_words":52,"start":166.28,"end":200.235},{"sentences":[{"text":"Are you?","start":223.685,"end":224.345,"sentiment":"neutral","sentiment_score":-0.0071817124262452126},{"text":"Yeah.","start":243.29999,"end":243.62,"sentiment":"neutral","sentiment_score":0.0030287429690361023},{"text":"For the concessional cap.","start":243.62,"end":244.81999,"sentiment":"neutral","sentiment_score":0.006084874272346497},{"text":"That's correct.","start":244.81999,"end":245.56,"sentiment":"neutral","sentiment_score":0.07657831162214279},{"text":"So that's what I've factored into the advice because I mentioned I had to do it a little bit differently this time.","start":249.855,"end":255.075,"sentiment":"neutral","sentiment_score":-0.018803284418853847}],"sentiment":"neutral","sentiment_score":-0.007984219960147334,"num_words":31,"start":223.685,"end":255.075},{"sentences":[{"text":"When we looked at your last twelve months, there was about 25,000 had gone in from your employer.","start":256.095,"end":262.38998,"sentiment":"neutral","sentiment_score":-0.07280327131350835},{"text":"But you were talking to me about, like, your your base salary of about 230,000 and a full package of $2.50, which included bonuses and everything like that.","start":262.61,"end":273.465,"sentiment":"neutral","sentiment_score":0.05596944450267723},{"text":"So what my my strategy essentially was is that when we get to the end of financial year, rather than doing any salary sacrifice or anything like that, is we'll just actually double check what's going in from the employer If they have maxed out the new cap, which has increased to 32,500, then we won't do anything.","start":274.745,"end":293.23,"sentiment":"neutral","sentiment_score":0.0035006505726226443},{"text":"But if there is a little bit of a leeway, we could just do an end of financial year contribution just to top it up to the maximum.","start":293.29,"end":299.71,"sentiment":"neutral","sentiment_score":0.1256601722644908},{"text":"Would that be okay?","start":302.055,"end":303.115,"sentiment":"neutral","sentiment_score":0.1496068835258484}],"sentiment":"neutral","sentiment_score":0.03365173274377251,"num_words":136,"start":256.095,"end":303.115},{"sentences":[{"text":"Perfect.","start":304.85498,"end":305.25497,"sentiment":"positive","sentiment_score":0.655981183052063},{"text":"I think it's just the same strategy that I do with my father-in-law.","start":305.25497,"end":307.995,"sentiment":"positive","sentiment_score":0.33887120278982014},{"text":"He's out in the mines, and he earns about the same.","start":308.13498,"end":310.395,"sentiment":"neutral","sentiment_score":0.1297844092954289},{"text":"And I basically tell him, mate, your your income's going up and down so much.","start":310.53497,"end":313.895,"sentiment":"neutral","sentiment_score":0.038932281484206514},{"text":"Let's not do any salary sacrifice.","start":313.895,"end":315.6,"sentiment":"neutral","sentiment_score":-0.07326957397162914}],"sentiment":"neutral","sentiment_score":0.1442022195652775,"num_words":46,"start":304.85498,"end":315.6},{"sentences":[{"text":"And then every June, I sit down with the family and go through some contribution ideas with them just before tax season.","start":315.6,"end":322.66,"sentiment":"neutral","sentiment_score":0.06943772987208584},{"text":"Perfect.","start":324.72,"end":325.19998,"sentiment":"positive","sentiment_score":0.3895524740219116},{"text":"So what I'm basically gonna do is I'll flag on your profile for that quarterly contact.","start":325.19998,"end":330.495,"sentiment":"neutral","sentiment_score":0.15384052600711584},{"text":"But then in May, the team will reach out to you just to have a quick chat with me.","start":330.495,"end":336.915,"sentiment":"neutral","sentiment_score":0.14543731589066355},{"text":"And if there is anything to do at end financial year, I'll make sure that we start that conversation at the end of May so that we've got about a month's leeway in case we need to do any transactions.","start":337.135,"end":347.16998,"sentiment":"neutral","sentiment_score":0.09749185172840953}],"sentiment":"neutral","sentiment_score":0.11266953079980246,"num_words":98,"start":315.6,"end":347.16998},{"sentences":[{"text":"Yeah.","start":352.845,"end":353.165,"sentiment":"neutral","sentiment_score":0.08366937935352325},{"text":"Pretty much.","start":353.165,"end":353.98502,"sentiment":"neutral","sentiment_score":0.10495584085583687},{"text":"So let it run for the financial year so far, see how it actually goes and plays out in reality.","start":354.045,"end":360.225,"sentiment":"neutral","sentiment_score":0.1527981713414192},{"text":"And then if there is room, then we can look at a small contribution.","start":360.525,"end":363.665,"sentiment":"neutral","sentiment_score":0.09508546814322472},{"text":"I think I was only looking at maybe 2,500 this financial year because I was thinking that you were gonna hit 30,000 based on your your income.","start":363.725,"end":372.88998,"sentiment":"neutral","sentiment_score":0.03272355506541552}],"sentiment":"neutral","sentiment_score":0.08694182857288979,"num_words":64,"start":352.845,"end":372.88998},{"sentences":[{"text":"Fantastic.","start":384.405,"end":384.905,"sentiment":"positive","sentiment_score":0.4577329754829407},{"text":"So, again, there might be a bit of a leeway with the increased cap at the moment.","start":384.965,"end":389.945,"sentiment":"neutral","sentiment_score":0.09528330165673704},{"text":"I'm not banking on it for the retirement, but at least the option's there as well.","start":390.005,"end":394.41998,"sentiment":"neutral","sentiment_score":0.05170130042824894},{"text":"Cool.","start":396.24,"end":396.74,"sentiment":"neutral","sentiment_score":0.17413544654846191},{"text":"If you go down a little bit past there, I have put in for a limited scope.","start":397.19998,"end":402.41998,"sentiment":"neutral","sentiment_score":-0.06699314844958923}],"sentiment":"neutral","sentiment_score":0.03730811218086343,"num_words":52,"start":384.405,"end":402.41998},{"sentences":[{"text":"Just a reminder to make sure that we've got the will and the power of attorney in place, but the beneficiary nominations were already in line with with what you wanted.","start":402.56,"end":411.855,"sentiment":"neutral","sentiment_score":0.03177429994027461},{"text":"You don't need to have one.","start":417.275,"end":418.395,"sentiment":"neutral","sentiment_score":-0.016359129299720127},{"text":"It's just recommended.","start":418.395,"end":419.375,"sentiment":"neutral","sentiment_score":0.0061946419688562555},{"text":"Power of attorney is probably the one I would advise the most because, obviously, if you're in hospital, can't act on your own behalf.","start":420.58002,"end":428.44,"sentiment":"neutral","sentiment_score":0.1267688007404407},{"text":"It just allows it much easier for someone to access bank accounts and talk to the doctors, which normally they default to a spouse, but this just puts it in legal writing.","start":428.58002,"end":437.61502,"sentiment":"neutral","sentiment_score":0.10984863108024001}],"sentiment":"neutral","sentiment_score":0.07773999854786477,"num_words":96,"start":402.56,"end":437.61502},{"sentences":[{"text":"They're not a necessity, but I do recommend them.","start":438.635,"end":442.095,"sentiment":"neutral","sentiment_score":0.2263500690460205},{"text":"K?","start":444.635,"end":445.135,"sentiment":"neutral","sentiment_score":0.14908432960510254},{"text":"If nothing else, I know the the Australia Post offers will kits and power of attorney kits for about $25 each, government approved.","start":445.595,"end":455.13,"sentiment":"neutral","sentiment_score":0.16639788416416748},{"text":"They're very basic, but at least they help people get something in place.","start":455.67,"end":459.77002,"sentiment":"neutral","sentiment_score":0.3177246038730328},{"text":"Yeah.","start":471.015,"end":471.495,"sentiment":"neutral","sentiment_score":0.11531395465135574}],"sentiment":"neutral","sentiment_score":0.2182791508892749,"num_words":47,"start":438.635,"end":471.495},{"sentences":[{"text":"Have a look.","start":471.495,"end":471.975,"sentiment":"neutral","sentiment_score":0.11419152468442917},{"text":"If you got any questions, just give us a bell.","start":471.975,"end":473.97,"sentiment":"neutral","sentiment_score":0.10799298584461212},{"text":"I'll check on it at the next conversation anyway.","start":474.45,"end":476.79,"sentiment":"neutral","sentiment_score":0.10958043899801043},{"text":"But, look, I know there's usually a barrier.","start":477.17,"end":479.41,"sentiment":"neutral","sentiment_score":-0.13401224464178085},{"text":"Not everyone wants to go and sit down with a solicitor for four and a half thousand dollars to draw up paperwork if it's not necessary, but there are options out there.","start":479.41,"end":487.815,"sentiment":"neutral","sentiment_score":-0.1572153865126893}],"sentiment":"neutral","sentiment_score":-0.05958487003320648,"num_words":62,"start":471.495,"end":487.815},{"sentences":[{"text":"Perfect.","start":490.295,"end":490.695,"sentiment":"positive","sentiment_score":0.36771512031555176},{"text":"Alright.","start":490.695,"end":490.935,"sentiment":"neutral","sentiment_score":0.15448814630508423},{"text":"Now if you go down past there, so this advice was just focused on reviewing the super and the contribution options.","start":490.935,"end":497.515,"sentiment":"neutral","sentiment_score":0.06857560645966303},{"text":"We're not giving you advice when it comes to debt management in terms of purchasing property, paying off property, and the like.","start":497.73502,"end":505.1,"sentiment":"neutral","sentiment_score":-0.11575694957917387},{"text":"That's something that you seem to be pretty capable of managing personally.","start":505.1,"end":508.72,"sentiment":"neutral","sentiment_score":0.0650713110420232}],"sentiment":"neutral","sentiment_score":0.0034472604216844367,"num_words":57,"start":490.295,"end":508.72},{"sentences":[{"text":"But, again, we can talk about it at any time as well.","start":509.02,"end":511.75998,"sentiment":"neutral","sentiment_score":0.1660233015815417},{"text":"Absolutely.","start":517.435,"end":517.935,"sentiment":"neutral","sentiment_score":0.025996830314397812},{"text":"If you go down past there, page six will have a limited advice warning, which, again, we're not covering everything under the sun.","start":518.635,"end":525.195,"sentiment":"neutral","sentiment_score":-0.20321307234142139},{"text":"And if any details we have are are not accurate, that may impact the figures.","start":525.195,"end":529.135,"sentiment":"neutral","sentiment_score":-0.276250946521759},{"text":"Cool.","start":531.25,"end":531.75,"sentiment":"positive","sentiment_score":0.5588650703430176}],"sentiment":"neutral","sentiment_score":-0.12001006427006079,"num_words":52,"start":509.02,"end":531.75},{"sentences":[{"text":"The next two pages about you section and your assets and liabilities, I just wanna make sure that's pretty accurate.","start":532.13,"end":538.52997,"sentiment":"neutral","sentiment_score":0.14775019660592079},{"text":"I know I just put down in terms of savings, you were able to commit to maybe 75 a week for the contributions.","start":538.52997,"end":544.70996,"sentiment":"neutral","sentiment_score":0.08315414967744247},{"text":"Civil engineer, total package of $2.50.","start":545.78503,"end":548.28503,"sentiment":"neutral","sentiment_score":0.05453073357542356},{"text":"We've got the home, two cars, and your shares is the main asset that we have noted down.","start":549.625,"end":557.005,"sentiment":"neutral","sentiment_score":0.07702083037131363},{"text":"Perfect.","start":559.39996,"end":559.89996,"sentiment":"positive","sentiment_score":0.5204505920410156}],"sentiment":"neutral","sentiment_score":0.10443469580701169,"num_words":68,"start":532.13,"end":559.89996},{"sentences":[{"text":"Yep.","start":575.575,"end":576.075,"sentiment":"neutral","sentiment_score":0.25401854515075684},{"text":"Perfect.","start":576.295,"end":576.795,"sentiment":"positive","sentiment_score":0.5323655605316162},{"text":"Perfect.","start":576.855,"end":577.355,"sentiment":"positive","sentiment_score":0.560945987701416},{"text":"I've got your hub 24 listed in there.","start":577.89496,"end":580.21497,"sentiment":"neutral","sentiment_score":0.25784140825271606},{"text":"So when I last spoke to you, I think it was sitting at $485,000.","start":580.21497,"end":584.71497,"sentiment":"neutral","sentiment_score":0.10192934051156044}],"sentiment":"neutral","sentiment_score":0.19348288506269454,"num_words":25,"start":575.575,"end":584.71497},{"sentences":[{"text":"Couple of weeks later, the market's bottomed out at $4.65, and then it's bounced back up to about $5.00 8 as of today.","start":585.09,"end":592.95,"sentiment":"neutral","sentiment_score":0.0470839842506077},{"text":"The $5.00 4 listed in this document is just when we completed the research.","start":593.97003,"end":597.59,"sentiment":"neutral","sentiment_score":0.09543114395013877},{"text":"K.","start":599.885,"end":600.205,"sentiment":"neutral","sentiment_score":0.03982912749052048},{"text":"So a bit of a nice bounce back, bit of volatility to to sort of go through.","start":600.205,"end":604.625,"sentiment":"neutral","sentiment_score":-0.006552773801719441},{"text":"After that, I've got your risk profile listed as growth, which is that kind of four out of five on the risk scale.","start":604.765,"end":611.34503,"sentiment":"neutral","sentiment_score":0.02831167128422986}],"sentiment":"neutral","sentiment_score":0.03844318032646791,"num_words":78,"start":585.09,"end":611.34503},{"sentences":[{"text":"You were talking to me about not wanting to go high risk with it, but, again, primarily focusing on capital growth.","start":611.55,"end":618.37,"sentiment":"neutral","sentiment_score":-0.04072846401305426},{"text":"K.","start":619.95,"end":620.19,"sentiment":"neutral","sentiment_score":0.02088245749473572},{"text":"So if you go down past there, you'll see a bit of an exploded pie chart.","start":620.19,"end":623.70996,"sentiment":"neutral","sentiment_score":0.04531843832228333},{"text":"It gives you an idea of what a growth portfolio looks like, but I'll run through the figures with you in a moment.","start":623.70996,"end":629.195,"sentiment":"neutral","sentiment_score":0.05563966759844967},{"text":"If you can just look at the strategy recommendations page on eleven and twelve, it is quite text heavy, but just let me know when you can see that.","start":629.815,"end":637.835,"sentiment":"neutral","sentiment_score":0.014769918831257984}],"sentiment":"neutral","sentiment_score":0.01776355252497726,"num_words":90,"start":611.55,"end":637.835},{"sentences":[{"text":"So the first heading is strategy recommendations.","start":643.75,"end":645.77,"sentiment":"neutral","sentiment_score":0.025299033416169032},{"text":"12 has a bit of a table with advantages and disadvantages on it.","start":646.55005,"end":651.045,"sentiment":"neutral","sentiment_score":-0.009783735355505576},{"text":"Alright.","start":683.395,"end":683.875,"sentiment":"neutral","sentiment_score":0.05861824005842209},{"text":"Can you see that heading there okay, Carla?","start":683.875,"end":685.895,"sentiment":"neutral","sentiment_score":0.05755036836490035},{"text":"So I'll give you a bit of a a summary for it.","start":691.73004,"end":695.03,"sentiment":"neutral","sentiment_score":0.10143907740712166}],"sentiment":"neutral","sentiment_score":0.04356572658913892,"num_words":41,"start":643.75,"end":695.03},{"sentences":[{"text":"So what we're essentially doing is we identified one investment in particular that was underperforming, which was the Ben Long Australian shares.","start":696.29004,"end":703.71497,"sentiment":"neutral","sentiment_score":-0.0882057769393379},{"text":"The rest of the portfolio was doing pretty good, but we have had some updated information from the governments and the investment committee about one other investment as well that I'm looking to change.","start":704.015,"end":715.71497,"sentiment":"neutral","sentiment_score":0.08406705814687644},{"text":"Now what we're essentially doing is we're switching a couple of investments, and I'm recommending that we do a rebalance where if we recommend eight investments for you, over time, some of them grow, some of them grow at different rates, and a rebalance basically just brings everything back in line with the weightings that we recommended.","start":716.21,"end":734.995,"sentiment":"neutral","sentiment_score":0.21541137856088186},{"text":"So a switch of two and a rebalance of the rest, what that essentially does is it shows up the performance over one, three, and five years.","start":737.055,"end":747.79,"sentiment":"positive","sentiment_score":0.4234079431604456},{"text":"It does have a much better fee impact.","start":748.17,"end":751.07,"sentiment":"positive","sentiment_score":0.47776777297258377}],"sentiment":"neutral","sentiment_score":0.19223214940142794,"num_words":148,"start":696.29004,"end":751.07},{"sentences":[{"text":"So the investments that we're switching out are more affordable, the ones that you currently have.","start":751.52997,"end":756.35,"sentiment":"positive","sentiment_score":0.530639024451375},{"text":"We have factored in a bit of capital gains tax that happened inside the super, but I'll show you that figure in a moment.","start":757.60504,"end":765.145,"sentiment":"neutral","sentiment_score":0.07680654261882107},{"text":"If you go on the next page sorry.","start":765.60504,"end":768.72504,"sentiment":"neutral","sentiment_score":0.005738080013543367},{"text":"Before you do that, we've included the usual ten year projection to show the impact of the recommendations, but we're not doing a full retirement analysis because, again, nineteen to twenty years, we can't accurately predict what that's gonna look like because so many variables and changes in life.","start":768.72504,"end":787.175,"sentiment":"neutral","sentiment_score":-0.11138246086787204},{"text":"But as you get closer and closer, we will refine that.","start":787.175,"end":790.235,"sentiment":"neutral","sentiment_score":0.009747778827493841}],"sentiment":"neutral","sentiment_score":0.04656454665517366,"num_words":108,"start":751.52997,"end":790.235},{"sentences":[{"text":"And within those last ten years, we'll start to do a retirement analysis just to show how long the funds are lasting and how you're tracking for that goal.","start":790.375,"end":799.41,"sentiment":"neutral","sentiment_score":0.21317746901306614},{"text":"Okay?","start":800.91,"end":801.41,"sentiment":"neutral","sentiment_score":0.06649084389209747},{"text":"In terms of advantages and disadvantages, same thing.","start":801.87,"end":805.25,"sentiment":"neutral","sentiment_score":0.03767176187830046},{"text":"Performance and fee improvements is what we're aiming for.","start":805.47,"end":808.37,"sentiment":"neutral","sentiment_score":0.2543169856071472},{"text":"We factored in $1,072.97 of capital gains tax inside the super, and that's from the buying and the selling of those options to rebalance everything.","start":808.43,"end":820.22504,"sentiment":"neutral","sentiment_score":0.12430223733186722}],"sentiment":"neutral","sentiment_score":0.16592250477858922,"num_words":72,"start":790.375,"end":820.22504},{"sentences":[{"text":"So I've put that into the projections as well.","start":820.445,"end":822.78503,"sentiment":"neutral","sentiment_score":0.12551410339720961},{"text":"Just as a so the photo would have page 12, and it's an advantages and disadvantages table.","start":823.325,"end":832.56,"sentiment":"neutral","sentiment_score":0.027316828532253996},{"text":"And see on the right hand side for the disadvantages, we have brokerage fees highlighted.","start":837.515,"end":842.89496,"sentiment":"neutral","sentiment_score":0.07937090123693148},{"text":"So the investments that we use for your super are ETFs.","start":843.27496,"end":847.135,"sentiment":"neutral","sentiment_score":0.19773625176061282},{"text":"So you pay a little bit of brokerage upfront to purchase them, but then they're the kind of lowest fee investments going forward after you purchase them.","start":847.755,"end":856.35004,"sentiment":"neutral","sentiment_score":0.2511019491487079}],"sentiment":"neutral","sentiment_score":0.14860035355138015,"num_words":79,"start":820.445,"end":856.35004},{"sentences":[{"text":"So we factored in that 0.11% of brokerage fee, and then the second paragraph, factoring in the capital gains tax of switching the investments.","start":856.41003,"end":866.35004,"sentiment":"neutral","sentiment_score":0.10243318462744355},{"text":"K?","start":868.765,"end":869.265,"sentiment":"neutral","sentiment_score":0.02502702921628952},{"text":"Now in the $72.97.","start":871.485,"end":873.325,"sentiment":"neutral","sentiment_score":0.036624392960220575},{"text":"It does change daily as some options go up and down.","start":873.325,"end":876.365,"sentiment":"neutral","sentiment_score":0.004404083571650765},{"text":"That does fluctuate constantly, but the snapshot that we did when we did the research, it worked out to be about that.","start":876.365,"end":882.21,"sentiment":"neutral","sentiment_score":0.07005848210643638}],"sentiment":"neutral","sentiment_score":0.06805891222170284,"num_words":62,"start":856.41003,"end":882.21},{"sentences":[{"text":"Now if you go down, the next page will have the usual warnings about, of course, market risk, not able to predict investment performance and so on, and that the capital gains tax figures do calculate daily.","start":884.77,"end":899.745,"sentiment":"neutral","sentiment_score":-0.14629936751884384},{"text":"So it depends on when the switch actually goes ahead.","start":899.885,"end":902.54504,"sentiment":"neutral","sentiment_score":-0.10043214112520218},{"text":"Alternatives, we did look at the current portfolio and a couple of more up to date ones where I was looking at a full overhaul, and that was going to come out to be about 2,700 in capital gains tax to sell everything and rebuild your portfolio from scratch.","start":905.405,"end":920.95,"sentiment":"neutral","sentiment_score":-0.15659593729948512},{"text":"It didn't really come out to be that good in terms of fees and performance, so I didn't recommend anything drastic.","start":921.57,"end":928.09503,"sentiment":"neutral","sentiment_score":-0.266804385752905},{"text":"Again, it's just two options switched out and a rebalance of the portfolio.","start":928.555,"end":932.655,"sentiment":"neutral","sentiment_score":-0.06404479893927391}],"sentiment":"neutral","sentiment_score":-0.15789287249342754,"num_words":130,"start":884.77,"end":932.655},{"sentences":[{"text":"So if you go down, here we get to the figures.","start":934.955,"end":937.115,"sentiment":"neutral","sentiment_score":0.017448487945578316},{"text":"You should see on page 14 a blue table for the investments, and there's a whole bunch of different red highlighted figures for the investments that we're changing.","start":937.115,"end":946.88,"sentiment":"neutral","sentiment_score":0.030901532287576368},{"text":"So the main ones to point out here is if you look at the top row, beta shares of Strathclyde Bank Hybrids, BHYB, that one we're recommending you sell out of completely.","start":949.42004,"end":959.82495,"sentiment":"neutral","sentiment_score":-0.06988363500568084},{"text":"Reason being is the government is actually phasing out bank hybrids as an investment vehicle.","start":962.20496,"end":967.88,"sentiment":"neutral","sentiment_score":-0.2854271292686462},{"text":"And over the next couple of years, that will no longer be an investment option.","start":968.34,"end":973.16003,"sentiment":"neutral","sentiment_score":-0.25841143627961477}],"sentiment":"neutral","sentiment_score":-0.09244236170249705,"num_words":101,"start":934.955,"end":973.16003},{"sentences":[{"text":"So we're looking at the bottom to put it into an iShares bond ETF called IAF.","start":973.62,"end":980.865,"sentiment":"neutral","sentiment_score":0.02864583395421505},{"text":"Pretty similar in terms of fees and performance, and that's kind of your defensive portion.","start":981.965,"end":986.705,"sentiment":"neutral","sentiment_score":0.11448479940493901},{"text":"The main switch out, so there's a rebalancing of your agriculture share.","start":989.405,"end":994.24,"sentiment":"neutral","sentiment_score":0.02648607377583782},{"text":"Yeah.","start":999.02,"end":999.34,"sentiment":"neutral","sentiment_score":0.032767169177532196},{"text":"So BetaShares is one of the companies.","start":999.34,"end":1001.2,"sentiment":"neutral","sentiment_score":0.03656243346631527}],"sentiment":"neutral","sentiment_score":0.05455181221751606,"num_words":51,"start":973.62,"end":1001.2},{"sentences":[{"text":"BetaShares, BlackRock, Vanguard, they're the sort of fund managers, if you will.","start":1001.66003,"end":1006.925,"sentiment":"neutral","sentiment_score":0.03484021949892243},{"text":"The next row is just agricultural shares.","start":1006.925,"end":1009.745,"sentiment":"neutral","sentiment_score":0.013407797951783453},{"text":"They're not term deposits or bonds.","start":1010.365,"end":1013.34503,"sentiment":"neutral","sentiment_score":-0.005342065667112668},{"text":"It's a different option altogether.","start":1013.48505,"end":1014.945,"sentiment":"neutral","sentiment_score":0.04876828342676163},{"text":"The API code is food on that one, so nice and easy.","start":1015.565,"end":1018.625,"sentiment":"neutral","sentiment_score":0.3116285999615987}],"sentiment":"neutral","sentiment_score":0.106268320055235,"num_words":42,"start":1001.66003,"end":1018.625},{"sentences":[{"text":"We're just rebalancing that back to the original 7%.","start":1019.70996,"end":1023.01,"sentiment":"neutral","sentiment_score":0.09271679073572159},{"text":"And the same thing with gold as well.","start":1023.55,"end":1025.87,"sentiment":"neutral","sentiment_score":0.19814222399145365},{"text":"It's performed very, very well.","start":1025.87,"end":1027.55,"sentiment":"positive","sentiment_score":0.46565358638763427},{"text":"It's had a bit of a pullback after the year, and we don't really recommend having more than 10% as a satellite at any one point.","start":1027.55,"end":1036.105,"sentiment":"neutral","sentiment_score":-0.21244731903649294},{"text":"So as it tends to grow, we tend to just trim off a bit of the profit every now and then.","start":1036.1649,"end":1040.825,"sentiment":"neutral","sentiment_score":-0.20648667358216785}],"sentiment":"neutral","sentiment_score":-0.07408686376352241,"num_words":69,"start":1019.70996,"end":1040.825},{"sentences":[{"text":"Cybersecurity and S and P five hundred, they're pretty standard shares for you.","start":1043.525,"end":1048.45,"sentiment":"neutral","sentiment_score":0.02795871117940316},{"text":"S and P 500 is your core international shares.","start":1048.45,"end":1052.07,"sentiment":"neutral","sentiment_score":0.02254641366501649},{"text":"That's been doing very well.","start":1052.2899,"end":1053.75,"sentiment":"neutral","sentiment_score":0.12058201506733894},{"text":"The RAFI Australia 200, that's your Australian shares or a portion of them.","start":1054.37,"end":1059.285,"sentiment":"neutral","sentiment_score":0.03190431629235928},{"text":"That one's been doing well too.","start":1059.285,"end":1060.905,"sentiment":"neutral","sentiment_score":0.12287158394853274}],"sentiment":"neutral","sentiment_score":0.05046253606839025,"num_words":46,"start":1043.525,"end":1060.905},{"sentences":[{"text":"It's that Benelon option afterwards that I'm wanting to sell out of.","start":1061.045,"end":1065.7051,"sentiment":"neutral","sentiment_score":-0.06963623563448589},{"text":"Yeah.","start":1069.525,"end":1070.025,"sentiment":"neutral","sentiment_score":0.006621222943067551},{"text":"So I've found a like for like replacement at the bottom, which is Alfiniti.","start":1070.245,"end":1074.665,"sentiment":"neutral","sentiment_score":0.034213628087724955},{"text":"Now Alfiniti is a similar style of active Australian shares, but it's about 10% less expensive for fees, and the performance over one, three, five, and ten years is all far stronger.","start":1077.14,"end":1089.725,"sentiment":"neutral","sentiment_score":0.2614752477966249},{"text":"This one's actually outperformed the Australian stock market over those periods as well.","start":1090.1849,"end":1095.325,"sentiment":"positive","sentiment_score":0.4097193685861734}],"sentiment":"neutral","sentiment_score":0.18532690152318942,"num_words":72,"start":1061.045,"end":1095.325},{"sentences":[{"text":"So it's a bit of a an engine tune up is how I would describe it.","start":1095.545,"end":1099.405,"sentiment":"neutral","sentiment_score":0.086935271974653},{"text":"K.","start":1101.64,"end":1101.8,"sentiment":"neutral","sentiment_score":0.042552508413791656},{"text":"So, again, two switch outs for the bank hybrids that are being phased out and Benelon, which has been underperforming, and the rest will be rebalanced.","start":1101.8,"end":1110.14,"sentiment":"neutral","sentiment_score":-0.08771577964608486},{"text":"K.","start":1112.68,"end":1113.16,"sentiment":"neutral","sentiment_score":0.12766306102275848},{"text":"If you go past there, we do just have your cash table because hub twenty four runs 1.25% cash in your internal bank account.","start":1113.16,"end":1122.545,"sentiment":"neutral","sentiment_score":0.18041049968451262}],"sentiment":"neutral","sentiment_score":0.05309443592148669,"num_words":68,"start":1095.545,"end":1122.545},{"sentences":[{"text":"So I factored that in as well.","start":1122.545,"end":1124.165,"sentiment":"neutral","sentiment_score":0.20636241137981415},{"text":"The three tables I really wanted to show you to sort of cap off why we're doing this is page 16 has your asset allocation pie chart, nice colorful one there.","start":1126.0651,"end":1137.6201,"sentiment":"neutral","sentiment_score":0.23995711606356404},{"text":"The middle row, growth total.","start":1139.135,"end":1141.075,"sentiment":"neutral","sentiment_score":0.13193528354167938},{"text":"So when you're in that growth risk profile, we're kind of bouncing between 80 to 90% growth assets.","start":1141.2949,"end":1147.3949,"sentiment":"neutral","sentiment_score":0.14531368762254715},{"text":"Anything above 90 would be high growth or high risk.","start":1147.855,"end":1151.075,"sentiment":"neutral","sentiment_score":-0.10488995090126992}],"sentiment":"neutral","sentiment_score":0.15647367272578494,"num_words":71,"start":1122.545,"end":1151.075},{"sentences":[{"text":"So you're currently sitting at about 88.","start":1152.36,"end":1154.86,"sentiment":"neutral","sentiment_score":0.026321489363908768},{"text":"With the rebalance, you go to about 87, still within that range of the growth risk profile.","start":1155.0,"end":1161.5801,"sentiment":"neutral","sentiment_score":0.10809105853824054},{"text":"See comparison table on the next page.","start":1164.615,"end":1166.535,"sentiment":"neutral","sentiment_score":0.06794598485742297},{"text":"So what I've done is, again, factored in that capital gains tax and the contributions that I was looking at just to bring you up to the cap.","start":1166.535,"end":1175.49,"sentiment":"neutral","sentiment_score":0.21200769980038917},{"text":"And I've included at the bottom of that table the five year rolling average performance difference between the two, but the next page has the different time periods as well for performance.","start":1177.41,"end":1189.51,"sentiment":"neutral","sentiment_score":0.16467946581542492}],"sentiment":"neutral","sentiment_score":0.1505865803868561,"num_words":91,"start":1152.36,"end":1189.51},{"sentences":[{"text":"Now if you go on to 18, we've got a bit of an updated five and ten year projection.","start":1194.295,"end":1200.4751,"sentiment":"neutral","sentiment_score":0.12451197559896268},{"text":"Again, bit of grain of salt.","start":1201.3351,"end":1202.775,"sentiment":"neutral","sentiment_score":0.02217715233564377},{"text":"This is just projecting forward if the markets continue to do what they were doing, which, again, the switch out of the investments and the rebalance with any kind of top up of contributions to make sure you are hitting the cap, that should get you about another 50 to 150,000 over the next five to ten years.","start":1202.775,"end":1222.375,"sentiment":"neutral","sentiment_score":0.1852427700470234},{"text":"Now one, three, and five years listed below.","start":1228.435,"end":1231.44,"sentiment":"neutral","sentiment_score":0.14141474105417728},{"text":"I think the main thing I wanted to point out here in the performance side by side where it says annualized investment returns, June 30, is we're just trying to bring all time periods back up into the double digit space.","start":1231.5,"end":1244.16,"sentiment":"neutral","sentiment_score":0.25287393098924216}],"sentiment":"neutral","sentiment_score":0.18743954706146862,"num_words":132,"start":1194.295,"end":1244.16},{"sentences":[{"text":"Normally, with a growth portfolio, your kind of benchmark is nine to 10%.","start":1244.735,"end":1248.5951,"sentiment":"neutral","sentiment_score":0.13515617669774935},{"text":"If we can consistently keep getting that kind of 11 to 15, that's gonna get you that buffer for the retirement goal.","start":1248.735,"end":1256.275,"sentiment":"positive","sentiment_score":0.5969794609329917},{"text":"K?","start":1257.79,"end":1258.29,"sentiment":"neutral","sentiment_score":0.14918622374534607},{"text":"Outside of that, that pretty much caps off the recommendations outside of the contributions where I go into a little bit more depth about things to watch out for when it comes to contributions.","start":1260.03,"end":1271.905,"sentiment":"neutral","sentiment_score":0.18462456981925404},{"text":"But do you have any questions on the portfolio side of things at this point?","start":1271.905,"end":1275.365,"sentiment":"neutral","sentiment_score":0.0712808313469092}],"sentiment":"neutral","sentiment_score":0.2633672059458845,"num_words":85,"start":1244.735,"end":1275.365},{"sentences":[{"text":"Yeah.","start":1290.56,"end":1291.06,"sentiment":"neutral","sentiment_score":0.009991215541958807},{"text":"Yes.","start":1306.735,"end":1307.235,"sentiment":"neutral","sentiment_score":0.08220214396715164},{"text":"So Oh, yes.","start":1327.185,"end":1334.24,"sentiment":"neutral","sentiment_score":0.040290397281448044},{"text":"So the last year versus this year is in a annual review report separately.","start":1334.24,"end":1341.3,"sentiment":"neutral","sentiment_score":0.05239322382424559},{"text":"So this one is just a forward looking advice piece about what you we think you should do going forward.","start":1341.4401,"end":1346.9451,"sentiment":"neutral","sentiment_score":0.15796866305172444}],"sentiment":"neutral","sentiment_score":0.10528058835711235,"num_words":39,"start":1290.56,"end":1346.9451},{"sentences":[{"text":"I do correct.","start":1347.7251,"end":1350.125,"sentiment":"neutral","sentiment_score":-0.010100222192704678},{"text":"So we've got the balance based on when we figured it out.","start":1350.125,"end":1353.1051,"sentiment":"neutral","sentiment_score":0.011254548793658614},{"text":"But twelve months ago, it was sorry, just bear with me for a moment, four sixty, and you're at $5.00 8 today.","start":1353.165,"end":1364.07,"sentiment":"neutral","sentiment_score":-0.05322662354658612},{"text":"Oh, yes.","start":1369.505,"end":1369.985,"sentiment":"neutral","sentiment_score":-0.018953091464936733},{"text":"Sorry.","start":1369.985,"end":1370.3049,"sentiment":"neutral","sentiment_score":-0.06072504818439483}],"sentiment":"neutral","sentiment_score":-0.029121575754834338,"num_words":40,"start":1347.7251,"end":1370.3049},{"sentences":[{"text":"$4.85 was when we last spoke in March right in the middle of that market downturn.","start":1370.3049,"end":1374.8049,"sentiment":"neutral","sentiment_score":-0.06521060667000711},{"text":"Yep.","start":1374.945,"end":1375.445,"sentiment":"neutral","sentiment_score":0.011108594946563244},{"text":"So twelve months ago, April.","start":1375.9049,"end":1377.9249,"sentiment":"neutral","sentiment_score":0.003162880800664425},{"text":"03/04/1985.","start":1378.145,"end":1379.6849,"sentiment":"neutral","sentiment_score":0.005785905756056309},{"text":"Currently, 05/2008.","start":1379.9049,"end":1381.5,"sentiment":"neutral","sentiment_score":0.0015068606007844208}],"sentiment":"neutral","sentiment_score":-0.04030588323250413,"num_words":25,"start":1370.3049,"end":1381.5},{"sentences":[{"text":"Cool.","start":1384.46,"end":1384.78,"sentiment":"neutral","sentiment_score":0.2324007749557495},{"text":"And sorry.","start":1384.78,"end":1385.5,"sentiment":"neutral","sentiment_score":0.03150040842592716},{"text":"It also yeah.","start":1385.5,"end":1387.02,"sentiment":"neutral","sentiment_score":0.05054741849501928},{"text":"It does.","start":1387.02,"end":1387.76,"sentiment":"neutral","sentiment_score":0.08296614326536655},{"text":"Just the contribution amount.","start":1400.3151,"end":1401.675,"sentiment":"neutral","sentiment_score":-0.15551885589957237}],"sentiment":"neutral","sentiment_score":-0.0007582741479078952,"num_words":12,"start":1384.46,"end":1401.675},{"sentences":[{"text":"Yeah.","start":1401.675,"end":1401.995,"sentiment":"neutral","sentiment_score":-0.10770460963249208},{"text":"No.","start":1401.995,"end":1402.155,"sentiment":"neutral","sentiment_score":-0.251359760761261},{"text":"A 100%.","start":1402.155,"end":1403.115,"sentiment":"neutral","sentiment_score":-0.19978312402963638},{"text":"If you were negative, I would definitely have to tell you that, and then we'd be having conversation about do we change anything?","start":1403.115,"end":1409.14,"sentiment":"neutral","sentiment_score":-0.14520597328310428},{"text":"Do we reduce risk?","start":1409.14,"end":1410.26,"sentiment":"neutral","sentiment_score":0.02152364607900381}],"sentiment":"neutral","sentiment_score":-0.12942817482736804,"num_words":31,"start":1401.675,"end":1410.26},{"sentences":[{"text":"What do we do?","start":1410.26,"end":1411.24,"sentiment":"neutral","sentiment_score":0.061818189918994904},{"text":"Again, there's gonna be a negative every seven years when the market crashes.","start":1411.7,"end":1415.88,"sentiment":"negative","sentiment_score":-0.40505165549424976},{"text":"That's fair enough, but we need to compare and make sure is it behaving as we would expect in that scenario and what to do going forward.","start":1415.94,"end":1424.235,"sentiment":"neutral","sentiment_score":-0.23277875670680293},{"text":"When it comes to the contributions, please also remember as well that your employer contributions get taxed at 15%.","start":1424.535,"end":1431.5951,"sentiment":"neutral","sentiment_score":0.011908501680744322},{"text":"So that's the concessional rate as opposed to your marginal rate.","start":1431.96,"end":1436.9199,"sentiment":"neutral","sentiment_score":0.045102866874499756}],"sentiment":"neutral","sentiment_score":-0.14298692061188253,"num_words":74,"start":1410.26,"end":1436.9199},{"sentences":[{"text":"So whatever goes in there, 25, 30, it will be 15% less that gets invested.","start":1436.9199,"end":1442.0599,"sentiment":"neutral","sentiment_score":0.10586398666103682},{"text":"There is one other contribution point that I really need to let you know of as well.","start":1445.495,"end":1449.515,"sentiment":"neutral","sentiment_score":0.0755135958247325},{"text":"Just out of curiosity, Kala, have you managed to do your tax return this year?","start":1450.0549,"end":1453.515,"sentiment":"neutral","sentiment_score":0.04491698692242305},{"text":"No.","start":1471.525,"end":1471.605,"sentiment":"neutral","sentiment_score":-0.2115076631307602},{"text":"That's okay.","start":1471.605,"end":1472.245,"sentiment":"neutral","sentiment_score":-0.03035065345466137}],"sentiment":"neutral","sentiment_score":0.06546473525464534,"num_words":50,"start":1436.9199,"end":1472.245},{"sentences":[{"text":"So if you can go down on the next pages for me, I wanna kinda just break this down a little bit for you because I believe this might be the first year that you've experienced division two nine three in your tax return.","start":1472.245,"end":1483.61,"sentiment":"neutral","sentiment_score":0.03206684804436835},{"text":"Did you remember getting, like, a liability letter last year?","start":1483.61,"end":1487.23,"sentiment":"neutral","sentiment_score":-0.011189626529812813},{"text":"Yeah.","start":1493.61,"end":1493.9299,"sentiment":"neutral","sentiment_score":0.06933128833770752},{"text":"So I've given you a bit of a table here which breaks it down pretty well.","start":1493.9299,"end":1498.11,"sentiment":"neutral","sentiment_score":0.1406735898926854},{"text":"I'd Please forgive me for the amount of figures in the table, but on page 19, I've got a bit of a income and contributions table.","start":1498.1699,"end":1505.925,"sentiment":"neutral","sentiment_score":0.017692739645449016}],"sentiment":"neutral","sentiment_score":0.042053247485117816,"num_words":97,"start":1472.245,"end":1505.925},{"sentences":[{"text":"Gives you a bit of an estimate if you can see it.","start":1505.985,"end":1508.3251,"sentiment":"neutral","sentiment_score":0.02761654866238435},{"text":"So let's say you do earn 250,000.","start":1512.4,"end":1515.8601,"sentiment":"neutral","sentiment_score":0.08354679974062103},{"text":"Anybody whose income and contributions combined are above $2.50 falls into a division two nine three category where they have a bit of a formula that calculates contributions above $2.50.","start":1516.4801,"end":1530.935,"sentiment":"neutral","sentiment_score":0.054941083490848544},{"text":"They cop an extra 15% tax rate.","start":1531.395,"end":1533.895,"sentiment":"neutral","sentiment_score":0.03299124166369438},{"text":"Yeah.","start":1536.355,"end":1536.675,"sentiment":"neutral","sentiment_score":0.04591050744056702}],"sentiment":"neutral","sentiment_score":0.04984750677096216,"num_words":57,"start":1505.985,"end":1536.675},{"sentences":[{"text":"So instead of, like, you're getting taxed at 47%, the highest marginal rate, instead of getting your 15, they lump another 15 on top to a portion of them, not all of them.","start":1536.675,"end":1547.15,"sentiment":"neutral","sentiment_score":-0.00576379093708414},{"text":"So what I've sort of analyzed for you is that if you look at the second last row of the top section of the table, I've put in division two nine three tax.","start":1548.89,"end":1561.985,"sentiment":"neutral","sentiment_score":0.031067758713933556},{"text":"I have estimated it at 4,500.","start":1561.985,"end":1564.805,"sentiment":"neutral","sentiment_score":0.042239739559590816},{"text":"That's essentially that extra 15% of a portion of the contribution.","start":1566.72,"end":1570.5801,"sentiment":"neutral","sentiment_score":0.21277705105868253},{"text":"Now let's say you ended the year with 30,000 of contributions and you put an extra 2 and a half in at the end of financial year.","start":1571.12,"end":1581.345,"sentiment":"neutral","sentiment_score":0.10777123631150634}],"sentiment":"neutral","sentiment_score":0.05762582105499777,"num_words":110,"start":1536.675,"end":1581.345},{"sentences":[{"text":"It wouldn't actually increase your division two nine three liability based on the old pay calculator.","start":1582.045,"end":1588.225,"sentiment":"neutral","sentiment_score":-0.015610165195539594},{"text":"But, basically, what happens is this is something that rather than the tax getting taken out of your super account along with your contributions, this comes at tax time.","start":1588.605,"end":1597.72,"sentiment":"neutral","sentiment_score":0.003496992176976697},{"text":"So you do your tax return.","start":1597.78,"end":1599.24,"sentiment":"neutral","sentiment_score":0.05260164476931095},{"text":"The government says you fall into this category.","start":1599.38,"end":1601.56,"sentiment":"neutral","sentiment_score":0.05028290115296841},{"text":"Please pay $4,500, and then you have the option to either pay that personally through the tax return or elect to release some funds from super to pay for that liability.","start":1602.02,"end":1613.885,"sentiment":"neutral","sentiment_score":0.08224951415773361}],"sentiment":"neutral","sentiment_score":0.034658423852589396,"num_words":90,"start":1582.045,"end":1613.885},{"sentences":[{"text":"So you still do get about a 17% benefit on those higher contributions.","start":1615.2251,"end":1620.8451,"sentiment":"neutral","sentiment_score":0.3107410187904651},{"text":"It's just not that full full tax deduction like you were getting, but it's just done separately, not through the super.","start":1621.545,"end":1629.7001,"sentiment":"neutral","sentiment_score":-0.0160931201562995},{"text":"It's done in your tax return.","start":1629.7001,"end":1631.0801,"sentiment":"neutral","sentiment_score":0.03237372435008486},{"text":"So I hope that makes a bit of sense, but as long as you keep earning what you are, you will continue to get that on a yearly basis just like my father-in-law and a number of clients that we have.","start":1632.3401,"end":1641.635,"sentiment":"neutral","sentiment_score":0.2982977590546375},{"text":"And, again, you either pay it personally or release some funds from super.","start":1641.9349,"end":1646.835,"sentiment":"neutral","sentiment_score":0.059989817727070585}],"sentiment":"neutral","sentiment_score":0.17985101934879066,"num_words":94,"start":1615.2251,"end":1646.835},{"sentences":[{"text":"It's kind of a bit different than breaching your cap.","start":1646.895,"end":1649.22,"sentiment":"neutral","sentiment_score":-0.19165932324831375},{"text":"Either one, to be honest.","start":1652.34,"end":1653.5599,"sentiment":"neutral","sentiment_score":-0.07156063690781593},{"text":"If you release a bit of funds out of super, that'll pay for it, but, obviously, a little bit comes out of the super funds, so a little bit less invested.","start":1653.62,"end":1659.88,"sentiment":"neutral","sentiment_score":-0.03608549317164767},{"text":"But then do you have do you want the rest taken out of your tax returns?","start":1660.02,"end":1663.7,"sentiment":"neutral","sentiment_score":-0.14382171304896474},{"text":"So if you were gonna get $6 back, you only get 1,500.","start":1663.7,"end":1667.955,"sentiment":"neutral","sentiment_score":-0.037501304410398006}],"sentiment":"neutral","sentiment_score":-0.08302986171691225,"num_words":74,"start":1646.895,"end":1667.955},{"sentences":[{"text":"It's really up to you, your preference at that point.","start":1668.255,"end":1670.915,"sentiment":"neutral","sentiment_score":0.10764245837926864},{"text":"Okay.","start":1674.015,"end":1674.335,"sentiment":"neutral","sentiment_score":-0.02721797488629818},{"text":"I just wanted to make you aware that whenever I factor in, like you said, the contributions and caps, you will continue to fall into that category, so I have to factor that in.","start":1674.335,"end":1682.9199,"sentiment":"neutral","sentiment_score":0.062210844062707},{"text":"But then again, as they increase the cap, we still wanna maximize it as best we can because you still do get a benefit.","start":1682.98,"end":1689.38,"sentiment":"neutral","sentiment_score":0.2415481802696983},{"text":"It's just not as big as when you were on, say, a 150,000.","start":1689.38,"end":1693.1599,"sentiment":"neutral","sentiment_score":-0.2192045094875189}],"sentiment":"neutral","sentiment_score":0.07453503670943219,"num_words":82,"start":1668.255,"end":1693.1599},{"sentences":[{"text":"K?","start":1695.005,"end":1695.505,"sentiment":"neutral","sentiment_score":0.07666599750518799},{"text":"Cool.","start":1695.645,"end":1695.965,"sentiment":"neutral","sentiment_score":0.29494452476501465},{"text":"Does that make sense?","start":1695.965,"end":1697.025,"sentiment":"neutral","sentiment_score":0.1589513160288334},{"text":"It's not the most fun thing in the world, and I think it's a bit of a a slap in the face because I think high income owners in Australia probably get the worst tax outcome.","start":1697.885,"end":1705.345,"sentiment":"negative","sentiment_score":-0.5902392235067155},{"text":"And I don't think I would call you the Uber rich.","start":1706.365,"end":1709.025,"sentiment":"neutral","sentiment_score":-0.2534937452186238}],"sentiment":"negative","sentiment_score":-0.43452127277851105,"num_words":53,"start":1695.005,"end":1709.025},{"sentences":[{"text":"Exactly.","start":1709.52,"end":1710.02,"sentiment":"neutral","sentiment_score":-0.15473027527332306},{"text":"We we can't call you the 1%, Carlo.","start":1710.4,"end":1712.4,"sentiment":"neutral","sentiment_score":-0.28059957548975945},{"text":"You have to pay your fare.","start":1712.4,"end":1713.4401,"sentiment":"neutral","sentiment_score":-0.28347475826740265},{"text":"Yeah?","start":1713.4401,"end":1713.9401,"sentiment":"neutral","sentiment_score":-0.18434306979179385},{"text":"No.","start":1721.135,"end":1721.4551,"sentiment":"neutral","sentiment_score":-0.22372183203697205}],"sentiment":"neutral","sentiment_score":-0.2652023723896812,"num_words":17,"start":1709.52,"end":1721.4551},{"sentences":[{"text":"I remember my father-in-law saying the same thing.","start":1721.4551,"end":1723.535,"sentiment":"neutral","sentiment_score":-0.08596436399966478},{"text":"He goes, oh, you know, I earned $2.50 this year, and I think he paid, like, 80 something thousand dollars in tax.","start":1723.535,"end":1729.2151,"sentiment":"neutral","sentiment_score":-0.11214698512445796},{"text":"He just went, man, I can almost fund the village at this point.","start":1729.2151,"end":1731.875,"sentiment":"neutral","sentiment_score":-0.16003572367704832},{"text":"I should build my own town.","start":1731.935,"end":1733.4751,"sentiment":"neutral","sentiment_score":-0.0700102373957634},{"text":"Cool.","start":1739.92,"end":1740.42,"sentiment":"neutral","sentiment_score":0.2637713551521301}],"sentiment":"neutral","sentiment_score":-0.10783406123518943,"num_words":50,"start":1721.4551,"end":1740.42},{"sentences":[{"text":"That pretty much caps everything off.","start":1740.96,"end":1742.48,"sentiment":"neutral","sentiment_score":0.0587386234352986},{"text":"So the rest of the document is just the the will and the power of attorney information, just a bit of general information.","start":1742.48,"end":1748.465,"sentiment":"neutral","sentiment_score":0.08673560975686363},{"text":"We've got the services and fees at the bottom from Oakview and how we implement the advice, which is essentially if you authorize this document with a signature, we can switch your investments online.","start":1749.245,"end":1762.145,"sentiment":"neutral","sentiment_score":0.12500413551050074},{"text":"And then once it comes to end of financial year, I'll put in for a bit of a phone call just to see if we wanna do some extra contributions before the end of financial year.","start":1762.61,"end":1772.31,"sentiment":"neutral","sentiment_score":0.05783145295249091},{"text":"If we do that, we'll help you through the claim paperwork, which is just a a notice of intent to claim form.","start":1773.9701,"end":1780.3949,"sentiment":"neutral","sentiment_score":0.16045713864944197}],"sentiment":"neutral","sentiment_score":0.10090479941284361,"num_words":121,"start":1740.96,"end":1780.3949},{"sentences":[{"text":"We'll help prefill all of that as well.","start":1780.455,"end":1782.635,"sentiment":"neutral","sentiment_score":0.18474370054900646},{"text":"Cool.","start":1784.615,"end":1785.0149,"sentiment":"neutral","sentiment_score":0.3037094473838806},{"text":"Do you have any questions for me so far?","start":1785.0149,"end":1786.7949,"sentiment":"neutral","sentiment_score":0.10616508540179995},{"text":"No worries.","start":1796.47,"end":1797.13,"sentiment":"neutral","sentiment_score":0.13710562884807587},{"text":"Now just bear in mind, we won't move anything until you authorize.","start":1799.27,"end":1803.5299,"sentiment":"neutral","sentiment_score":0.11209781654179096}],"sentiment":"neutral","sentiment_score":0.13614155864343047,"num_words":32,"start":1780.455,"end":1803.5299},{"sentences":[{"text":"Please come back with any questions if you do have any.","start":1804.115,"end":1806.6951,"sentiment":"neutral","sentiment_score":0.20610008321025156},{"text":"We've also included an appendix with additional research and some updated product disclosure documents, which is, again, Hub 24.","start":1806.995,"end":1816.375,"sentiment":"neutral","sentiment_score":0.2565541785014303},{"text":"Their PDFs investment menu, it's a couple of thousand pages of whatever you would like to know about Hub twenty four and all of the options they have.","start":1816.82,"end":1825.24,"sentiment":"neutral","sentiment_score":0.25819706278187887},{"text":"And there's an updated service guide for you as well.","start":1825.46,"end":1828.5,"sentiment":"neutral","sentiment_score":0.23313304483890535},{"text":"So have a read through.","start":1828.5,"end":1829.885,"sentiment":"neutral","sentiment_score":0.1742115542292595}],"sentiment":"neutral","sentiment_score":0.24073337375709455,"num_words":73,"start":1804.115,"end":1829.885},{"sentences":[{"text":"You don't have to scroll through all of those documents because it is a couple of thousand pages.","start":1829.885,"end":1834.3049,"sentiment":"neutral","sentiment_score":0.15274298811952272},{"text":"You can just click next document, and it will bring you across.","start":1835.1649,"end":1838.385,"sentiment":"neutral","sentiment_score":0.1502529066056013},{"text":"K.","start":1840.2849,"end":1840.7849,"sentiment":"neutral","sentiment_score":0.09021923691034316},{"text":"Yeah.","start":1843.1799,"end":1843.5,"sentiment":"neutral","sentiment_score":0.07558581233024597},{"text":"The only signature on there is for the advice document, the authority to proceed.","start":1843.5,"end":1849.0399,"sentiment":"neutral","sentiment_score":0.07950816463146891}],"sentiment":"neutral","sentiment_score":0.12676800042390823,"num_words":46,"start":1829.885,"end":1849.0399},{"sentences":[{"text":"That should be the only one and a date.","start":1849.1799,"end":1851.2,"sentiment":"neutral","sentiment_score":0.13204267041550743},{"text":"If you're happy with everything, give that a sign.","start":1851.4199,"end":1853.82,"sentiment":"positive","sentiment_score":0.3713968098163605},{"text":"We'll get that back and implement it.","start":1853.82,"end":1855.845,"sentiment":"positive","sentiment_score":0.3994242974690029},{"text":"If you have any questions, just email the team or give us a call.","start":1855.9249,"end":1859.705,"sentiment":"neutral","sentiment_score":0.17791272699832916},{"text":"And just bear in mind, the advice documents do have, like, a a thirty to sixty day expiry in case you do have a change in circumstances as well.","start":1860.245,"end":1869.99,"sentiment":"neutral","sentiment_score":0.06980075802782486}],"sentiment":"neutral","sentiment_score":0.17414596419343176,"num_words":68,"start":1849.1799,"end":1869.99},{"sentences":[{"text":"Perfect.","start":1873.19,"end":1873.69,"sentiment":"positive","sentiment_score":0.4353812038898468},{"text":"Yes.","start":1884.645,"end":1885.125,"sentiment":"neutral","sentiment_score":0.07468746602535248},{"text":"So full Croatian legal name, Tomislav Bukovic.","start":1885.125,"end":1887.865,"sentiment":"neutral","sentiment_score":0.06927635786788804},{"text":"As as registered with ASIC, adviser one two seven three one zero five.","start":1888.085,"end":1892.005,"sentiment":"neutral","sentiment_score":0.05470996149457418},{"text":"That is me.","start":1892.005,"end":1892.985,"sentiment":"neutral","sentiment_score":0.05599231148759524}],"sentiment":"neutral","sentiment_score":0.07496838435530663,"num_words":25,"start":1873.19,"end":1892.985},{"sentences":[{"text":"And from here too, Carlo, I was penciling in for your annual review when it comes due and that conversation for end of financial year.","start":1895.54,"end":1906.455,"sentiment":"neutral","sentiment_score":0.10343136191368103},{"text":"We were talking about possibly having, like, a quarterly catch up just to see how the portfolio is going.","start":1906.5349,"end":1911.995,"sentiment":"neutral","sentiment_score":0.0948802973879011},{"text":"Do you still wanna do a quarterly catch up, six monthly?","start":1912.0549,"end":1914.9349,"sentiment":"neutral","sentiment_score":0.05066801065748388},{"text":"What would be your preference?","start":1914.9349,"end":1916.075,"sentiment":"neutral","sentiment_score":0.06483613252639771},{"text":"Okay.","start":1926.95,"end":1927.45,"sentiment":"neutral","sentiment_score":0.08355110883712769}],"sentiment":"neutral","sentiment_score":0.08776376371989485,"num_words":61,"start":1895.54,"end":1927.45},{"sentences":[{"text":"Yeah.","start":1931.845,"end":1932.325,"sentiment":"neutral","sentiment_score":0.08348958194255829},{"text":"So I could put possibly put in for another conversation just before the end of the year if that helps.","start":1932.325,"end":1937.545,"sentiment":"neutral","sentiment_score":0.10633820295333862},{"text":"Yep.","start":1948.26,"end":1948.76,"sentiment":"neutral","sentiment_score":-0.046446628868579865},{"text":"Yeah.","start":1964.595,"end":1964.995,"sentiment":"neutral","sentiment_score":0.021659307181835175},{"text":"Absolutely.","start":1964.995,"end":1965.495,"sentiment":"neutral","sentiment_score":0.10735218226909636}],"sentiment":"neutral","sentiment_score":0.09553410423298676,"num_words":24,"start":1931.845,"end":1965.495},{"sentences":[{"text":"Yeah.","start":1971.3301,"end":1971.8301,"sentiment":"neutral","sentiment_score":-0.10959074646234512},{"text":"Yeah.","start":1976.61,"end":1977.01,"sentiment":"neutral","sentiment_score":0.038071759045124054},{"text":"I'll make sure that what we normally do is there'll be a call, text, and email if we miss anything.","start":1977.01,"end":1981.5901,"sentiment":"neutral","sentiment_score":0.040217268746346235},{"text":"I know Christmas time, there's a lot of people wanting to have a chat about before the end of the year because the market's gone so terribly in March.","start":1982.955,"end":1991.135,"sentiment":"neutral","sentiment_score":0.030094195542664362},{"text":"So I do have a number of clients lined up for November, December, and I will absolutely endeavor to pencil you in for a catch up.","start":1991.435,"end":1999.69,"sentiment":"neutral","sentiment_score":0.1791931316256523}],"sentiment":"neutral","sentiment_score":0.08135817507160949,"num_words":77,"start":1971.3301,"end":1999.69},{"sentences":[{"text":"And at the very least, just send you a bit of an email report so you've got it there as well.","start":1999.69,"end":2003.87,"sentiment":"neutral","sentiment_score":0.0937255397439003},{"text":"Oh, yeah.","start":2026.76,"end":2027.56,"sentiment":"neutral","sentiment_score":-0.03358116000890732},{"text":"And it's not my strong suit because we do have that one three hundred numbers for people to call in.","start":2027.56,"end":2033.08,"sentiment":"neutral","sentiment_score":-0.00021596746519207953},{"text":"But because we use digital phone software, I'm not sure whether I actually came up as, like, a mobile number through the digital system or not.","start":2033.08,"end":2040.225,"sentiment":"neutral","sentiment_score":-0.10180014844697255},{"text":"I'm not really the best with that.","start":2040.845,"end":2042.205,"sentiment":"neutral","sentiment_score":-0.24455035158566066}],"sentiment":"neutral","sentiment_score":-0.03239344283448238,"num_words":76,"start":1999.69,"end":2042.205},{"sentences":[{"text":"But I appreciate you saving the number.","start":2042.205,"end":2044.145,"sentiment":"neutral","sentiment_score":0.15342871631894792},{"text":"But if I always miss you, I will always send a text message straight afterwards just to let you know that it was me.","start":2044.205,"end":2049.84,"sentiment":"neutral","sentiment_score":0.03480558811376492},{"text":"No worries at all.","start":2053.4402,"end":2054.58,"sentiment":"neutral","sentiment_score":0.20027022063732147},{"text":"Is there anything else I can help you with today before I let you enjoy the rest of your week?","start":2054.72,"end":2059.22,"sentiment":"neutral","sentiment_score":0.3232030592858791},{"text":"Well, Carlo, fingers crossed, the the world settles down a little bit, and we have a good conversation at Christmas time that everyone's winning.","start":2061.76,"end":2068.4849,"sentiment":"positive","sentiment_score":0.4512895190467437}],"sentiment":"neutral","sentiment_score":0.2532332361310343,"num_words":79,"start":2042.205,"end":2068.4849},{"sentences":[{"text":"If not, I will go through what's been happening, what the options are, and look forward to chatting to you again soon.","start":2069.105,"end":2076.015,"sentiment":"neutral","sentiment_score":0.27096332609653473},{"text":"Amazing color.","start":2078.7349,"end":2079.535,"sentiment":"positive","sentiment_score":0.7878602743148804},{"text":"Have a great day.","start":2079.535,"end":2080.4348,"sentiment":"positive","sentiment_score":0.7167363166809082},{"text":"Thank you.","start":2081.855,"end":2082.4148,"sentiment":"positive","sentiment_score":0.6442111134529114},{"text":"Bye.","start":2082.4148,"end":2082.9148,"sentiment":"neutral","sentiment_score":-0.10849235206842422}],"sentiment":"positive","sentiment_score":0.373670608526276,"num_words":31,"start":2069.105,"end":2082.9148}]}}]},{"alternatives":[{"transcript":"Hello? Hi. I'm good. Thanks. How are you? Oh, nice. It's sunny over here. Yep. Yep. That's fine. Okay. Date of birth is 04/24/1977. Address is 54 Delia Drive, Glenwood, New South Wales. Okay. Okay. I just received the the email. Logged in. Okay. And it says click to start. So just do I just start now? Yeah. Yeah. So I have that open. Okay. Yes. Mhmm. Yes. Yep. Sorry. Where where is that again? It's on second table. Which page? There's no table on page three. Sorry. Okay. Yeah. Cash flow contributions. Got it. No reason. Yes. And then it says here 70 to 80 per week. I had a check hang on. Yeah. Cash flow. Maximizing super contributions. Yes. And yes. Sorry. So I did have a chat with our payroll. Well, the payroll person in the office, and she advised that my current contributions already maxed out the threshold limit, is it? I'm not sure if that's the correct term, but yes. Yes. Yeah. Mhmm. Mhmm. Mhmm. Yes. Mhmm. I see. Yep. Yeah. Yeah. Okay. Yeah. That's fine. Okay. Alright. Yeah. Okay. Yeah. So that won't kick in until next year. Mhmm. Yeah. I'm not sure what the numbers are at the moment. But anyway. Mhmm. Okay. Yeah. Do I actually need to have a wheel or or power of time? Alright. Yeah. Okay. Yeah. Yeah. Okay. Good to know. I might actually I might actually put that together. Yeah. Mhmm. Yes. Okay. Mhmm. Mhmm. I think we're fine for now. Yep. Yep. Understood. Yes. Yep. Well, with the savings, I mean, everything just goes to the loan account, and we just draw down from it. Yeah. We just take out from the offset account, but, yeah, all our income that just goes to the offset account straight away. Mhmm. Right. I see. Okay. Mhmm. Mhmm. Yep. Eleven, twelve. Yeah. Yeah. I'm just reading through this. Scanning through it. Yeah. If you could, please. Yeah. Okay. Mhmm. Yep. Yeah. Is it on which page are you looking at? Yep. Okay. So that's 1,000 70 2. Mhmm. Okay. Yep. Hello? Yep. Yep. Mhmm. Yep. So what's the difference between that and the next row? Because that's beta shares as well. Okay. Okay. Okay. I see. Yeah. Okay. Mhmm. Mhmm. Okay. Uh-huh. For a few years now, isn't it? Mhmm. Mhmm. Okay. Yep. Mhmm. Mhmm. Mhmm. Mhmm. And then yeah. Okay. Yep. Yep. Sorry. I I don't know if I'm understanding this correctly. So I'm I'm just probably need to put need you to explain this to me a bit more simpler. But so as I understand it, my contribution, say, for this year or in the recent years would be around 25,000 or more. Correct? And the increase in my balance is it looks like it's only increased by about the same amount or less. Is that correct? Like, where's my balance? Is there a comparison between my balance last year versus this year? Alright. Okay. Is the figure not in this report? Yeah. Uh-huh. 4 60. I see. I thought you mentioned $4.85. In March. I see. Yeah. Okay. Alright. I see. Okay. Okay. That sounds a bit better than because I was I thought it was 45 last year, which suggests that I'm actually not it's not actually increasing. It's only increasing by, yeah, actually, we're losing money here. Yeah. Yeah. Yeah. Yep. Yeah. Okay. I see. Yep. I was told yes, but it's been sent direct to the ATO. I haven't oh, sorry. Tax return, not not my not my employer. No. I haven't got the tax return yet. I did. I was, yeah, I was wondering about that. Uh-huh. Yes. Yep. Mhmm. Oh my gosh. Okay. Alright. Yep. Yes. Alright. Okay. Yeah. Yeah. And which way is better again? Okay. Yeah. Yep. Okay. Mhmm. Yeah. Okay. Yes. Yeah. I don't think it's high income, but I don't know about being the 1% that doesn't feel high to me. Yeah. Alright. It's alright. Mhmm. Mhmm. Yeah. Okay. Mhmm. Okay. Yeah. Sounds good. No. No. I think I got that. And I will read the rest of this a bit later. Okay. Mhmm. Yep. So to authorize, do I just sign this document? Yep. Mhmm. Okay. Understood. Alright. Well, look, I'm authorizing that. And this is you. Right? Tommy Thomas? Okay. Alright. Okay. Alright. Mhmm. Yeah. Look. Six monthly is yeah. Six monthly is fine. I think that's what what it was before, isn't it? Six monthly. Yeah. I think it's just that I felt like the the there may have been one or two that was missed. That was that's why I asked for more frequent catch ups. And I I I can't recall, to be honest, if it was me who canceled the call or or if, you know, I just missed the call. But it felt like it it was a period where I wasn't getting any updates for a while. Otherwise, I'm fine with six months as long as it actually happens. And if I cancel the call, maybe just call me back again and try try again. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And I've saved the number now anyway, so it comes up as o p. That's why I'm I was thinking I may have canceled on the call previously because it just comes up as some number or even yeah. What do you call this? Telemarketer? Yeah. Yeah. 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Hi. I'm good. Thanks. How are you?\n\nOh, nice. It's sunny over here. Yep. Yep. That's fine.\n\nOkay. Date of birth is 04/24/1977. Address is 54 Delia Drive, Glenwood, New South Wales. Okay. Okay.\n\nI just received the the email. Logged in. Okay. And it says click to start. So just do I just start now?\n\nYeah. Yeah. So I have that open. Okay. Yes.\n\nMhmm. Yes. Yep. Sorry. Where where is that again?\n\nIt's on second table. Which page? There's no table on page three. Sorry. Okay.\n\nYeah. Cash flow contributions. Got it. No reason. Yes.\n\nAnd then it says here 70 to 80 per week. I had a check hang on. Yeah. Cash flow. Maximizing super contributions.\n\nYes. And yes. Sorry. So I did have a chat with our payroll. Well, the payroll person in the office, and she advised that my current contributions already maxed out the threshold limit, is it?\n\nI'm not sure if that's the correct term, but yes. Yes. Yeah. Mhmm. Mhmm.\n\nMhmm. Yes. Mhmm. I see. Yep.\n\nYeah. Yeah. Okay. Yeah. That's fine.\n\nOkay. Alright. Yeah. Okay. Yeah.\n\nSo that won't kick in until next year. Mhmm. Yeah. I'm not sure what the numbers are at the moment. But anyway.\n\nMhmm. Okay. Yeah. Do I actually need to have a wheel or or power of time? Alright.\n\nYeah. Okay. Yeah. Yeah. Okay.\n\nGood to know. I might actually I might actually put that together. Yeah. Mhmm. Yes.\n\nOkay. Mhmm. Mhmm. I think we're fine for now. Yep.\n\nYep. Understood. Yes. Yep. Well, with the savings, I mean, everything just goes to the loan account, and we just draw down from it.\n\nYeah. We just take out from the offset account, but, yeah, all our income that just goes to the offset account straight away. Mhmm. Right. I see.\n\nOkay. Mhmm. Mhmm. Yep. Eleven, twelve.\n\nYeah. Yeah. I'm just reading through this. Scanning through it. Yeah.\n\nIf you could, please. Yeah. Okay. Mhmm. Yep.\n\nYeah. Is it on which page are you looking at? Yep. Okay. So that's 1,000 70 2.\n\nMhmm. Okay. Yep. Hello? Yep.\n\nYep. Mhmm. Yep. So what's the difference between that and the next row? Because that's beta shares as well.\n\nOkay. Okay. Okay. I see. Yeah.\n\nOkay. Mhmm. Mhmm. Okay. Uh-huh.\n\nFor a few years now, isn't it? Mhmm. Mhmm. Okay. Yep.\n\nMhmm. Mhmm. Mhmm. Mhmm. And then yeah.\n\nOkay. Yep. Yep. Sorry. I I don't know if I'm understanding this correctly.\n\nSo I'm I'm just probably need to put need you to explain this to me a bit more simpler. But so as I understand it, my contribution, say, for this year or in the recent years would be around 25,000 or more. Correct? And the increase in my balance is it looks like it's only increased by about the same amount or less. Is that correct?\n\nLike, where's my balance? Is there a comparison between my balance last year versus this year? Alright. Okay. Is the figure not in this report?\n\nYeah. Uh-huh. 4 60. I see. I thought you mentioned $4.85.\n\nIn March. I see. Yeah. Okay. Alright.\n\nI see. Okay. Okay. That sounds a bit better than because I was I thought it was 45 last year, which suggests that I'm actually not it's not actually increasing. It's only increasing by, yeah, actually, we're losing money here.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nOkay. I see. Yep. I was told yes, but it's been sent direct to the ATO. I haven't oh, sorry.\n\nTax return, not not my not my employer. No. I haven't got the tax return yet. I did. I was, yeah, I was wondering about that.\n\nUh-huh. Yes. Yep. Mhmm. Oh my gosh.\n\nOkay. Alright. Yep. Yes. Alright.\n\nOkay. Yeah. Yeah. And which way is better again? Okay.\n\nYeah. Yep. Okay. Mhmm. Yeah.\n\nOkay. Yes. Yeah. I don't think it's high income, but I don't know about being the 1% that doesn't feel high to me. Yeah.\n\nAlright. It's alright. Mhmm. Mhmm. Yeah.\n\nOkay. Mhmm. Okay. Yeah. Sounds good.\n\nNo. No. I think I got that. And I will read the rest of this a bit later. Okay.\n\nMhmm. Yep. So to authorize, do I just sign this document? Yep. Mhmm.\n\nOkay. Understood. Alright. Well, look, I'm authorizing that. And this is you.\n\nRight? Tommy Thomas? Okay. Alright. Okay.\n\nAlright. Mhmm. Yeah. Look. Six monthly is yeah.\n\nSix monthly is fine. I think that's what what it was before, isn't it? Six monthly. Yeah. I think it's just that I felt like the the there may have been one or two that was missed.\n\nThat was that's why I asked for more frequent catch ups. And I I I can't recall, to be honest, if it was me who canceled the call or or if, you know, I just missed the call. But it felt like it it was a period where I wasn't getting any updates for a while. Otherwise, I'm fine with six months as long as it actually happens. And if I cancel the call, maybe just call me back again and try try again.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. And I've saved the number now anyway, so it comes up as o p. That's why I'm I was thinking I may have canceled on the call previously because it just comes up as some number or even yeah. What do you call this? Telemarketer?\n\nYeah. Yeah. Okay. No. That's that's good.\n\nThank you. No. That's all good. Thank you very much. Yeah.\n\nOkay. No. Thank you. Alright. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.0463075190782547},{"text":"Hi.","start":5.44,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.3130127787590027},{"text":"I'm good.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.4708167016506195},{"text":"Thanks.","start":6.16,"end":6.64,"sentiment":"positive","sentiment_score":0.5979406833648682},{"text":"How are you?","start":6.64,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.31809032956759137}],"sentiment":"positive","sentiment_score":0.3566456716507673,"num_words":8,"start":0.56,"end":7.3799996},{"sentences":[{"text":"Oh, nice.","start":12.719999,"end":13.12,"sentiment":"positive","sentiment_score":0.343006893992424},{"text":"It's sunny over 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a few years now, isn't 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this to me a bit more simpler.","start":1282.13,"end":1292.295,"sentiment":"neutral","sentiment_score":-0.07926196330472042},{"text":"But so as I understand it, my contribution, say, for this year or in the recent years would be around 25,000 or more.","start":1293.395,"end":1303.8151,"sentiment":"neutral","sentiment_score":0.05952522741711658},{"text":"Correct?","start":1304.915,"end":1305.415,"sentiment":"neutral","sentiment_score":0.06336712837219238},{"text":"And the increase in my balance is it looks like it's only increased by about the same amount or less.","start":1311.5,"end":1323.4751,"sentiment":"neutral","sentiment_score":0.0891060395166278},{"text":"Is that correct?","start":1325.4551,"end":1326.3551,"sentiment":"neutral","sentiment_score":0.0925445631146431}],"sentiment":"neutral","sentiment_score":0.03009431114928289,"num_words":66,"start":1282.13,"end":1326.3551},{"sentences":[{"text":"Like, where's my balance?","start":1326.655,"end":1328.275,"sentiment":"neutral","sentiment_score":0.030312451533973217},{"text":"Is there a comparison between my balance last year versus this year?","start":1329.2151,"end":1332.78,"sentiment":"neutral","sentiment_score":0.04081974240640799},{"text":"Alright.","start":1340.22,"end":1340.72,"sentiment":"neutral","sentiment_score":0.06374335289001465},{"text":"Okay.","start":1344.4601,"end":1344.9601,"sentiment":"neutral","sentiment_score":0.16533368825912476},{"text":"Is the figure not in this report?","start":1347.215,"end":1349.155,"sentiment":"neutral","sentiment_score":-0.005791850388050079}],"sentiment":"neutral","sentiment_score":0.031984832137823105,"num_words":25,"start":1326.655,"end":1349.155},{"sentences":[{"text":"Yeah.","start":1350.575,"end":1351.075,"sentiment":"neutral","sentiment_score":0.013562782667577268},{"text":"Uh-huh.","start":1353.615,"end":1354.115,"sentiment":"neutral","sentiment_score":-0.03020290471613407},{"text":"4 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see.","start":1373.885,"end":1374.525,"sentiment":"neutral","sentiment_score":-0.0928250215947628},{"text":"Yeah.","start":1374.525,"end":1374.845,"sentiment":"neutral","sentiment_score":-0.01901187375187874},{"text":"Okay.","start":1374.845,"end":1375.345,"sentiment":"neutral","sentiment_score":-0.0016229413449764252},{"text":"Alright.","start":1376.045,"end":1376.545,"sentiment":"neutral","sentiment_score":0.0151835260912776}],"sentiment":"neutral","sentiment_score":-0.050692837818392684,"num_words":7,"start":1373.085,"end":1376.545},{"sentences":[{"text":"I see.","start":1381.965,"end":1382.77,"sentiment":"neutral","sentiment_score":0.007696012035012245},{"text":"Okay.","start":1382.77,"end":1383.27,"sentiment":"neutral","sentiment_score":0.03661210089921951},{"text":"Okay.","start":1383.41,"end":1383.89,"sentiment":"neutral","sentiment_score":0.07579450309276581},{"text":"That sounds a bit better than because I was I thought it was 45 last year, which suggests that I'm actually not it's not actually increasing.","start":1383.89,"end":1396.77,"sentiment":"neutral","sentiment_score":-0.16961326106236532},{"text":"It's only increasing by, yeah, actually, we're losing money here.","start":1396.77,"end":1401.245,"sentiment":"neutral","sentiment_score":-0.23664743155241014}],"sentiment":"neutral","sentiment_score":-0.16621551187708974,"num_words":40,"start":1381.965,"end":1401.245},{"sentences":[{"text":"Yeah.","start":1406.025,"end":1406.525,"sentiment":"neutral","sentiment_score":-0.07460228353738785},{"text":"Yeah.","start":1411.3049,"end":1411.5449,"sentiment":"neutral","sentiment_score":-0.06811851263046265},{"text":"Yeah.","start":1411.5449,"end":1411.92,"sentiment":"neutral","sentiment_score":-0.14454934000968933},{"text":"Yep.","start":1424.8,"end":1425.3,"sentiment":"neutral","sentiment_score":-0.007505028508603573},{"text":"Yeah.","start":1437.285,"end":1437.785,"sentiment":"neutral","sentiment_score":0.08413524925708771}],"sentiment":"neutral","sentiment_score":-0.04212798308581114,"num_words":5,"start":1406.025,"end":1437.785},{"sentences":[{"text":"Okay.","start":1443.95,"end":1444.4299,"sentiment":"neutral","sentiment_score":0.05720175802707672},{"text":"I see.","start":1444.4299,"end":1445.09,"sentiment":"neutral","sentiment_score":0.05067211762070656},{"text":"Yep.","start":1446.4299,"end":1446.9299,"sentiment":"neutral","sentiment_score":0.06351486593484879},{"text":"I was told yes, but it's been sent direct to the ATO.","start":1454.83,"end":1458.8451,"sentiment":"neutral","sentiment_score":-0.00016398619239528975},{"text":"I haven't oh, sorry.","start":1459.0651,"end":1462.8251,"sentiment":"neutral","sentiment_score":-0.20418135821819305}],"sentiment":"neutral","sentiment_score":-0.029831620398908854,"num_words":20,"start":1443.95,"end":1462.8251},{"sentences":[{"text":"Tax return, not not my not my employer.","start":1462.8251,"end":1465.885,"sentiment":"neutral","sentiment_score":-0.21381628327071667},{"text":"No.","start":1468.8251,"end":1469.0651,"sentiment":"neutral","sentiment_score":-0.20723026990890503},{"text":"I haven't got the tax return yet.","start":1469.0651,"end":1476.6875,"sentiment":"neutral","sentiment_score":-0.16875890961715154},{"text":"I did.","start":1487.7949,"end":1488.5349,"sentiment":"neutral","sentiment_score":0.01578147616237402},{"text":"I was, yeah, I was wondering about that.","start":1488.9149,"end":1492.855,"sentiment":"neutral","sentiment_score":-0.01838086498901248}],"sentiment":"neutral","sentiment_score":-0.12363680273007888,"num_words":26,"start":1462.8251,"end":1492.855},{"sentences":[{"text":"Uh-huh.","start":1506.37,"end":1506.795,"sentiment":"neutral","sentiment_score":0.004058170598000288},{"text":"Yes.","start":1510.4751,"end":1510.9751,"sentiment":"neutral","sentiment_score":0.09810950607061386},{"text":"Yep.","start":1511.275,"end":1511.775,"sentiment":"neutral","sentiment_score":0.0931229442358017},{"text":"Mhmm.","start":1516.555,"end":1517.055,"sentiment":"neutral","sentiment_score":0.05322275683283806},{"text":"Oh my 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which way is better again?","start":1647.115,"end":1651.41,"sentiment":"neutral","sentiment_score":-0.10741608279446761},{"text":"Okay.","start":1654.1101,"end":1654.6101,"sentiment":"neutral","sentiment_score":-0.02141924574971199}],"sentiment":"neutral","sentiment_score":-0.037560049816966055,"num_words":10,"start":1615.405,"end":1654.6101},{"sentences":[{"text":"Yeah.","start":1658.8301,"end":1659.3301,"sentiment":"neutral","sentiment_score":-0.04964473843574524},{"text":"Yep.","start":1672.445,"end":1672.945,"sentiment":"neutral","sentiment_score":0.0726071298122406},{"text":"Okay.","start":1673.085,"end":1673.55,"sentiment":"neutral","sentiment_score":0.041163600981235504},{"text":"Mhmm.","start":1683.31,"end":1683.81,"sentiment":"neutral","sentiment_score":0.036971040070056915},{"text":"Yeah.","start":1693.725,"end":1694.225,"sentiment":"neutral","sentiment_score":0.008425705134868622}],"sentiment":"neutral","sentiment_score":0.02190454751253128,"num_words":5,"start":1658.8301,"end":1694.225},{"sentences":[{"text":"Okay.","start":1694.445,"end":1694.945,"sentiment":"neutral","sentiment_score":0.0576908215880394},{"text":"Yes.","start":1697.1649,"end":1697.6649,"sentiment":"neutral","sentiment_score":-0.09865902364253998},{"text":"Yeah.","start":1706.21,"end":1706.71,"sentiment":"neutral","sentiment_score":-0.2699764668941498},{"text":"I don't think it's high income, but I don't know about being the 1% that doesn't feel high to me.","start":1706.77,"end":1719.9049,"sentiment":"neutral","sentiment_score":-0.266989666223526},{"text":"Yeah.","start":1736.2999,"end":1736.7999,"sentiment":"neutral","sentiment_score":0.02385389618575573}],"sentiment":"neutral","sentiment_score":-0.2344535040513923,"num_words":24,"start":1694.445,"end":1736.7999},{"sentences":[{"text":"Alright.","start":1737.385,"end":1737.885,"sentiment":"neutral","sentiment_score":0.15520328283309937},{"text":"It's alright.","start":1740.585,"end":1743.085,"sentiment":"neutral","sentiment_score":0.12361577898263931},{"text":"Mhmm.","start":1747.145,"end":1747.645,"sentiment":"neutral","sentiment_score":0.04620577022433281},{"text":"Mhmm.","start":1752.91,"end":1753.41,"sentiment":"neutral","sentiment_score":0.09617801755666731},{"text":"Yeah.","start":1772.375,"end":1772.875,"sentiment":"neutral","sentiment_score":0.12252013385295868}],"sentiment":"neutral","sentiment_score":0.11122312707205613,"num_words":6,"start":1737.385,"end":1772.875},{"sentences":[{"text":"Okay.","start":1773.735,"end":1774.235,"sentiment":"neutral","sentiment_score":0.14425933361053467},{"text":"Mhmm.","start":1783.64,"end":1784.14,"sentiment":"neutral","sentiment_score":0.1140068620443344},{"text":"Okay.","start":1785.0,"end":1785.4,"sentiment":"neutral","sentiment_score":0.13723617792129517},{"text":"Yeah.","start":1785.4,"end":1785.64,"sentiment":"neutral","sentiment_score":0.0858226865530014},{"text":"Sounds good.","start":1785.64,"end":1786.4601,"sentiment":"neutral","sentiment_score":0.316389799118042}],"sentiment":"neutral","sentiment_score":0.1856841097275416,"num_words":6,"start":1773.735,"end":1786.4601},{"sentences":[{"text":"No.","start":1787.7201,"end":1788.2201,"sentiment":"neutral","sentiment_score":-0.14210620522499084},{"text":"No.","start":1788.3601,"end":1788.8601,"sentiment":"neutral","sentiment_score":-0.17364126443862915},{"text":"I think I got that.","start":1789.2401,"end":1791.1001,"sentiment":"neutral","sentiment_score":-0.09542115330696106},{"text":"And I will read the rest of this a bit later.","start":1792.1201,"end":1795.5,"sentiment":"neutral","sentiment_score":0.11543193662708456},{"text":"Okay.","start":1797.705,"end":1798.205,"sentiment":"neutral","sentiment_score":0.2013774216175079}],"sentiment":"neutral","sentiment_score":0.035698709911421725,"num_words":19,"start":1787.7201,"end":1798.205},{"sentences":[{"text":"Mhmm.","start":1829.205,"end":1829.705,"sentiment":"neutral","sentiment_score":0.17220249772071838},{"text":"Yep.","start":1839.0299,"end":1839.5299,"sentiment":"neutral","sentiment_score":0.10881531238555908},{"text":"So to authorize, do I just sign this document?","start":1839.75,"end":1843.13,"sentiment":"neutral","sentiment_score":0.06270871973699993},{"text":"Yep.","start":1848.3099,"end":1848.8099,"sentiment":"neutral","sentiment_score":0.108501136302948},{"text":"Mhmm.","start":1850.3151,"end":1850.8151,"sentiment":"neutral","sentiment_score":0.09854836016893388}],"sentiment":"neutral","sentiment_score":0.08095736801624298,"num_words":13,"start":1829.205,"end":1850.8151},{"sentences":[{"text":"Okay.","start":1870.25,"end":1870.75,"sentiment":"neutral","sentiment_score":0.07595839351415634},{"text":"Understood.","start":1871.4501,"end":1871.9501,"sentiment":"neutral","sentiment_score":0.12820445001125336},{"text":"Alright.","start":1874.5701,"end":1875.0701,"sentiment":"neutral","sentiment_score":0.26167601346969604},{"text":"Well, look, I'm authorizing that.","start":1875.21,"end":1879.845,"sentiment":"neutral","sentiment_score":0.16258217990398408},{"text":"And this is you.","start":1880.3049,"end":1881.745,"sentiment":"neutral","sentiment_score":0.09541128389537334}],"sentiment":"neutral","sentiment_score":0.1383662410080433,"num_words":12,"start":1870.25,"end":1881.745},{"sentences":[{"text":"Right?","start":1881.745,"end":1882.245,"sentiment":"neutral","sentiment_score":0.0628441870212555},{"text":"Tommy Thomas?","start":1882.7849,"end":1883.765,"sentiment":"neutral","sentiment_score":0.0507543608546257},{"text":"Okay.","start":1887.0249,"end":1887.5249,"sentiment":"neutral","sentiment_score":0.08757272362709045},{"text":"Alright.","start":1890.24,"end":1890.74,"sentiment":"neutral","sentiment_score":0.07011483609676361},{"text":"Okay.","start":1893.52,"end":1894.02,"sentiment":"neutral","sentiment_score":0.08895760029554367}],"sentiment":"neutral","sentiment_score":0.0684996781249841,"num_words":6,"start":1881.745,"end":1894.02},{"sentences":[{"text":"Alright.","start":1895.4401,"end":1895.9401,"sentiment":"neutral","sentiment_score":0.11284738779067992},{"text":"Mhmm.","start":1911.635,"end":1912.135,"sentiment":"neutral","sentiment_score":0.03896762430667877},{"text":"Yeah.","start":1912.355,"end":1912.855,"sentiment":"neutral","sentiment_score":0.053939711302518845},{"text":"Look.","start":1918.355,"end":1918.855,"sentiment":"neutral","sentiment_score":0.06629502028226852},{"text":"Six monthly is yeah.","start":1922.34,"end":1924.5,"sentiment":"neutral","sentiment_score":0.07493599317967892}],"sentiment":"neutral","sentiment_score":0.07147421455010772,"num_words":8,"start":1895.4401,"end":1924.5},{"sentences":[{"text":"Six monthly is fine.","start":1924.5,"end":1925.88,"sentiment":"neutral","sentiment_score":0.10638637654483318},{"text":"I think that's what what it was before, isn't it?","start":1927.7,"end":1930.4199,"sentiment":"neutral","sentiment_score":0.05287796650081873},{"text":"Six monthly.","start":1930.4199,"end":1931.1599,"sentiment":"neutral","sentiment_score":0.010399500140920281},{"text":"Yeah.","start":1938.495,"end":1938.735,"sentiment":"neutral","sentiment_score":0.0000794529914855957},{"text":"I think it's just that I felt like the the there may have been one or two that was missed.","start":1938.735,"end":1945.135,"sentiment":"neutral","sentiment_score":-0.19344123043119907}],"sentiment":"neutral","sentiment_score":-0.0782059725449496,"num_words":37,"start":1924.5,"end":1945.135},{"sentences":[{"text":"That was that's why I asked for more frequent catch ups.","start":1945.135,"end":1948.74,"sentiment":"neutral","sentiment_score":-0.07479073174975136},{"text":"And I I I can't recall, to be honest, if it was me who canceled the call or or if, you know, I just missed the call.","start":1950.42,"end":1957.64,"sentiment":"neutral","sentiment_score":-0.19987238667629384},{"text":"But it felt like it it was a period where I wasn't getting any updates for a while.","start":1958.1,"end":1964.2749,"sentiment":"neutral","sentiment_score":-0.2939523764782482},{"text":"Otherwise, I'm fine with six months as long as it actually happens.","start":1965.695,"end":1970.515,"sentiment":"neutral","sentiment_score":0.23278830852359533},{"text":"And if I cancel the call, maybe just call me back again and try try 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I've saved the number now anyway, so it comes up as o p.","start":2004.785,"end":2009.09,"sentiment":"neutral","sentiment_score":0.015884138710264648},{"text":"That's why I'm I was thinking I may have canceled on the call previously because it just comes up as some number or even yeah.","start":2009.15,"end":2023.555,"sentiment":"neutral","sentiment_score":-0.07182553634047509},{"text":"What do you call this?","start":2024.5751,"end":2025.535,"sentiment":"neutral","sentiment_score":-0.032151073962450025},{"text":"Telemarketer?","start":2025.535,"end":2026.035,"sentiment":"neutral","sentiment_score":-0.02241765707731247}],"sentiment":"neutral","sentiment_score":-0.037652772223657885,"num_words":46,"start":2004.065,"end":2026.035},{"sentences":[{"text":"Yeah.","start":2028.3351,"end":2028.8351,"sentiment":"neutral","sentiment_score":-0.04096430912613869},{"text":"Yeah.","start":2044.51,"end":2045.01,"sentiment":"neutral","sentiment_score":0.03715846687555313},{"text":"Okay.","start":2050.125,"end":2050.625,"sentiment":"neutral","sentiment_score":0.13229019939899445},{"text":"No.","start":2050.7651,"end":2050.925,"sentiment":"neutral","sentiment_score":0.24489867687225345},{"text":"That's that's good.","start":2050.925,"end":2052.2852,"sentiment":"positive","sentiment_score":0.4600236217180888}],"sentiment":"neutral","sentiment_score":0.25049341416784693,"num_words":7,"start":2028.3351,"end":2052.2852},{"sentences":[{"text":"Thank you.","start":2052.2852,"end":2053.0251,"sentiment":"positive","sentiment_score":0.5912158489227295},{"text":"No.","start":2058.605,"end":2058.845,"sentiment":"neutral","sentiment_score":0.016392573714256287},{"text":"That's all good.","start":2058.845,"end":2059.805,"sentiment":"positive","sentiment_score":0.7041983405749003},{"text":"Thank you very much.","start":2059.805,"end":2060.76,"sentiment":"positive","sentiment_score":0.8180720061063766},{"text":"Yeah.","start":2067.96,"end":2068.46,"sentiment":"neutral","sentiment_score":0.2101535201072693}],"sentiment":"positive","sentiment_score":0.6176237125288356,"num_words":11,"start":2052.2852,"end":2068.46},{"sentences":[{"text":"Okay.","start":2076.7048,"end":2077.065,"sentiment":"neutral","sentiment_score":0.09282702207565308},{"text":"No.","start":2077.065,"end":2077.4248,"sentiment":"neutral","sentiment_score":-0.01501108705997467},{"text":"Thank you.","start":2077.4248,"end":2078.1648,"sentiment":"positive","sentiment_score":0.45477184653282166},{"text":"Alright.","start":2078.3848,"end":2078.8848,"sentiment":"positive","sentiment_score":0.3810845613479614},{"text":"You too.","start":2080.6248,"end":2081.285,"sentiment":"positive","sentiment_score":0.5246087610721588}],"sentiment":"positive","sentiment_score":0.3453802445105144,"num_words":7,"start":2076.7048,"end":2081.285},{"sentences":[{"text":"Bye.","start":2081.505,"end":2082.005,"sentiment":"positive","sentiment_score":0.3570610284805298}],"sentiment":"positive","sentiment_score":0.3570610284805298,"num_words":1,"start":2081.505,"end":2082.005}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Carlo. Tommy here from Oakview, mate. How are you doing?\n\nChannel 1: Hi. I'm good. Thanks. How are you?\n\nChannel 0: Good to hear. I'm doing fantastic. It's a beautiful, cold, drizzly day on the Gold Coast. What about your end?\n\nChannel 1: Oh, nice. It's sunny over here.\n\nChannel 0: Good to hear. Good to hear. I've got an updated strategy to send through to you. Will you be able to look at your emails today with me?\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Fantastic. So I'm gonna pop that through to the Gmail now. But just while I'm doing that, could I please confirm your date of birth and address for security?\n\nChannel 1: Okay. Date of birth is 04/24/1977. Address is 54 Delia Drive, Glenwood, New South Wales.\n\nChannel 0: Yep. Sensational. Thank you for that. So So that should come through pretty quickly. Just let me know when you do get that email.\n\nAnd,\n\nChannel 1: Okay.\n\nChannel 0: yeah, pretty excited to go through a couple of things with you today. If you remember a few months ago, we were speaking about updating some portfolio investments in the super, talking about contributions, a few different things there, and a bit more frequent contact as well. So just wanted to go through what I've come up with together.\n\nChannel 1: Okay. I just received the the email. Logged in. Okay. And it says click to start.\n\nSo just do I just\n\nChannel 0: Yeah. That's\n\nChannel 1: start\n\nChannel 0: the one.\n\nChannel 1: now?\n\nChannel 0: So that's from our new Odoo system. It should bring up our the statement of advice should be the first document. It looks like a Gold Coast City beachfront picture.\n\nChannel 1: Yeah. Yeah. So I have that open.\n\nChannel 0: Amazing. So if you can scroll through down to page four for me, I'm just gonna quickly touch on the scope of the advice together, and then I'll double check details and run through the recommendation.\n\nChannel 1: Okay.\n\nChannel 0: So you should see a blue heading on that page, scope of advice considered. Can you see that there?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So the main thing is we were wanting to the overarching goal was that retirement at age 67 or earlier if possible. But we were just reviewing the portfolio in the super, and we wanted to have a bit more frequent contact just to make sure that we're keeping an eye on things a little bit closer and especially when it comes to things like contributions and caps given your high\n\nChannel 1: Mhmm.\n\nChannel 0: income. Does that ring a bell?\n\nChannel 1: Yes.\n\nChannel 0: Right.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. If you go a little bit further down, cash flow and contributions, I have come up with a few ideas when it comes to the contributions. I'll run by at the moment, but we were talking about potentially doing somewhere between 70 to $80 of salary sacrifice, but I've come up with a bit of a different way of doing contributions.\n\nChannel 1: Sorry. Where where is that again?\n\nChannel 0: Sorry. In the second\n\nChannel 1: It's\n\nChannel 0: table is cash flow and contributions. We\n\nChannel 1: on\n\nChannel 0: were\n\nChannel 1: second\n\nChannel 0: looking\n\nChannel 1: table.\n\nChannel 0: at\n\nChannel 1: Which page?\n\nChannel 0: on that page three and four where we've got scope of advice considered, super is the first table, cash flow is the second table.\n\nChannel 1: There's no table on page three.\n\nChannel 0: No table on page three. It should look like a\n\nChannel 1: Sorry.\n\nChannel 0: bit of a blue.\n\nChannel 1: Okay. Yeah. Cash flow contributions. Got it. No reason.\n\nYes. And then it says here 70 to 80 per week.\n\nChannel 0: Yeah.\n\nChannel 1: I had a check hang on. Yeah. Cash flow. Maximizing super contributions. Yes.\n\nAnd yes. Sorry. So I did have a chat with our payroll.\n\nChannel 0: Are you?\n\nChannel 1: Well, the payroll person in the office, and she advised that my current contributions already maxed out the threshold limit, is it? I'm not sure if that's the correct term, but\n\nChannel 0: Yeah. For the concessional cap. That's correct.\n\nChannel 1: yes. Yes. Yeah.\n\nChannel 0: So that's what I've factored into the advice because I mentioned I had to do it a little bit differently this time.\n\nChannel 1: Mhmm.\n\nChannel 0: When we looked at your last twelve months, there was about 25,000 had gone in from your employer. But\n\nChannel 1: Mhmm.\n\nChannel 0: you were\n\nChannel 1: Mhmm.\n\nChannel 0: talking to me about, like, your your base salary of about 230,000 and\n\nChannel 1: Yes.\n\nChannel 0: a full package of $2.50, which included bonuses and everything like that. So what my my strategy essentially was is that when we get to the end of financial year, rather than doing any salary sacrifice or anything like that, is we'll just actually double check what's going in from the employer If they\n\nChannel 1: Mhmm.\n\nChannel 0: have maxed out the new cap, which has increased to 32,500, then we\n\nChannel 1: I\n\nChannel 0: won't\n\nChannel 1: see.\n\nChannel 0: do anything. But\n\nChannel 1: Yep.\n\nChannel 0: if there is a little bit of a leeway, we could just do an end of financial year contribution just to top it up to the maximum.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Would\n\nChannel 1: Okay.\n\nChannel 0: that be okay?\n\nChannel 1: Yeah. That's\n\nChannel 0: Perfect. I think it's just the same strategy that I do with my father-in-law. He's out in the mines,\n\nChannel 1: fine.\n\nChannel 0: and he earns about\n\nChannel 1: Okay.\n\nChannel 0: the same. And I\n\nChannel 1: Alright.\n\nChannel 0: basically tell him, mate, your your income's going up and down so much. Let's not do any salary sacrifice. And then every June, I sit down with the family and go through some contribution ideas with them\n\nChannel 1: Yeah.\n\nChannel 0: just before tax season.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. So what I'm basically gonna do is I'll flag on your profile for that quarterly contact. But then in May, the team will reach out to you just to have a quick chat with me. And if there is anything to do at end financial year, I'll make sure that we start that conversation at the end of May so that we've got about a month's leeway in case we\n\nChannel 1: Yeah.\n\nChannel 0: need to do any transactions.\n\nChannel 1: So that won't kick in until next year.\n\nChannel 0: Yeah. Pretty much. So let it run for the financial year so far, see how it actually goes and plays out in reality. And then if there is room, then we can look at a small contribution. I think I was\n\nChannel 1: Mhmm.\n\nChannel 0: only looking at maybe 2,500 this financial year because I was thinking that you were gonna hit 30,000 based on your your income.\n\nChannel 1: Yeah. I'm not sure what the numbers are at the moment. But anyway.\n\nChannel 0: Fantastic. So, again, there might be a bit of a leeway with the increased cap at the moment. I'm not banking on it for the retirement, but at least the option's there as well.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Cool. If you go down a little bit past there, I have put in for a limited scope. Just a reminder to make sure that we've got the will and the power of attorney in place, but the beneficiary nominations were already in line with with what you wanted.\n\nChannel 1: Yeah. Do I actually need to have a wheel or\n\nChannel 0: You don't need to have one.\n\nChannel 1: or\n\nChannel 0: It's just\n\nChannel 1: power\n\nChannel 0: recommended.\n\nChannel 1: of time? Alright.\n\nChannel 0: Power of attorney is probably the one I would advise the most because, obviously, if you're in hospital, can't act on your own behalf. It just allows it much easier for someone to access bank accounts and talk to the doctors, which normally they default to a spouse, but this just puts it in legal writing.\n\nChannel 1: Yeah.\n\nChannel 0: They're not a necessity, but I do recommend them. K? If nothing else, I know the the Australia Post offers will kits and power of attorney kits for about $25 each, government approved.\n\nChannel 1: Okay.\n\nChannel 0: They're very basic, but at least they help people get something in place.\n\nChannel 1: Yeah. Yeah. Okay. Good to know. I might actually I might actually put that together.\n\nYeah.\n\nChannel 0: Yeah. Have a look. If you got any questions, just give us a bell. I'll check on it at the next conversation anyway.\n\nChannel 1: Mhmm.\n\nChannel 0: But, look, I know there's usually a barrier. Not everyone wants to go and sit down with a solicitor for four and a half thousand dollars to draw up paperwork\n\nChannel 1: Yes.\n\nChannel 0: if it's not necessary, but there are options out there.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Alright. Now if you go down past there, so this advice was just focused on reviewing the super and the contribution options. We're\n\nChannel 1: Mhmm.\n\nChannel 0: not giving you advice when it comes to debt management in terms of purchasing property, paying off property, and the like. That's something\n\nChannel 1: Mhmm.\n\nChannel 0: that you seem to be pretty capable of managing personally. But, again, we can talk about it at any time as well.\n\nChannel 1: I think we're fine for now. Yep.\n\nChannel 0: Absolutely. If you go down past there, page six will have a limited advice warning, which, again, we're not covering everything under the sun. And if any details we have are are not accurate, that may impact the figures.\n\nChannel 1: Yep. Understood.\n\nChannel 0: Cool. The next two pages about you section and your assets and liabilities, I just wanna make sure that's pretty accurate. I know I just put down in terms of savings, you were able to commit to maybe 75 a week for the contributions. Civil engineer, total package of $2.50. We've got the home, two cars, and your shares is the main asset\n\nChannel 1: Yes.\n\nChannel 0: that we have noted down.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Well, with the savings, I mean, everything just goes to the loan account, and we just draw down from it. Yeah. We just take out from the offset account, but, yeah, all our income that just goes to the offset account straight away.\n\nChannel 0: Yep. Perfect. Perfect. I've got your hub 24 listed in there. So when I last spoke to you, I think it was sitting at $485,000.\n\nCouple of weeks later,\n\nChannel 1: Mhmm.\n\nChannel 0: the market's bottomed out at $4.65, and then it's bounced\n\nChannel 1: Right.\n\nChannel 0: back up to about $5.00 8 as of today. The $5.00 4 listed in this document is just when we completed the research.\n\nChannel 1: I see. Okay.\n\nChannel 0: K. So a bit of a nice bounce back, bit of volatility to to sort of go through. After that, I've got your risk profile listed as growth, which is that kind of four out of five on the risk scale. You were talking to me about not wanting to go high risk with it, but, again, primarily focusing on capital growth.\n\nChannel 1: Mhmm.\n\nChannel 0: K. So if you go down past there, you'll see a bit of an exploded pie chart. It gives you an idea of what a growth portfolio looks like, but I'll run through the figures with you\n\nChannel 1: Mhmm.\n\nChannel 0: in a\n\nChannel 1: Yep.\n\nChannel 0: moment. If you can just look at the strategy recommendations page on eleven and twelve, it is quite text heavy, but just let me know when you can see that.\n\nChannel 1: Eleven, twelve.\n\nChannel 0: So the first heading is strategy recommendations. 12 has a bit of a table with advantages and disadvantages on it. Alright. Can you see that heading there okay, Carla?\n\nChannel 1: Yeah. Yeah. I'm just reading through this. Scanning through it.\n\nChannel 0: So I'll give you a bit of a a summary for it.\n\nChannel 1: Yeah. If you could, please.\n\nChannel 0: So what we're essentially doing is we identified one investment in particular that was underperforming, which was the Ben Long Australian shares. The rest of\n\nChannel 1: Yeah.\n\nChannel 0: the portfolio was doing pretty good, but we have had some updated information from the governments and the investment committee about one other investment as well that I'm looking to change. Now what we're essentially doing is we're switching a couple of investments, and I'm recommending that we do a rebalance where\n\nChannel 1: Okay.\n\nChannel 0: if we recommend eight investments for you, over time, some of them grow, some of them grow at different rates, and a rebalance basically just brings everything back in line with the weightings that we recommended. So a switch of two and a rebalance of the rest, what that essentially does is it shows up the performance over one, three, and five years. It does have\n\nChannel 1: Mhmm.\n\nChannel 0: a much better fee impact. So the investments that we're switching out are more affordable, the ones that you currently have. We have factored in a bit of capital gains tax that happened inside the super, but I'll show you that figure in a moment. If you go on the next page sorry. Before you do that, we've included the usual ten year projection to show the impact of the recommendations, but we're not doing a full retirement analysis because, again, nineteen to twenty years, we can't accurately predict what that's gonna\n\nChannel 1: Yep.\n\nChannel 0: look like because so many variables and changes in life. But as you get closer and closer, we will refine that. And within those last ten years, we'll start to do a retirement analysis just to show how long the funds are lasting and how you're tracking for that goal.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? In terms of advantages and disadvantages, same thing. Performance and fee improvements is what we're aiming for. We factored in $1,072.97 of capital gains tax inside the super, and that's from the buying and the selling of those options to rebalance everything. So I've put that into the projections as well.\n\nChannel 1: Is it\n\nChannel 0: Just as\n\nChannel 1: on\n\nChannel 0: a\n\nChannel 1: which page are you looking\n\nChannel 0: so the photo would have page 12, and it's an advantages and disadvantages table.\n\nChannel 1: at? Yep. Okay.\n\nChannel 0: And see on the right hand side for the disadvantages, we have brokerage fees highlighted. So the investments that we use for your super are ETFs. So you pay a little bit of brokerage upfront to purchase them, but then they're the kind of lowest fee investments going forward after you purchase them. So we factored in that 0.11% of brokerage fee, and then the second paragraph, factoring in the capital gains tax of switching the investments. K?\n\nChannel 1: So that's 1,000\n\nChannel 0: Now in the $72.97.\n\nChannel 1: 70\n\nChannel 0: It\n\nChannel 1: 2.\n\nChannel 0: does change daily as some options go up and down. That does fluctuate constantly, but the snapshot that we did when we did the research, it worked out to be about that.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Now if you go down, the next page will have the usual warnings about, of course, market risk, not able to predict investment performance and so on, and that the capital gains tax figures do calculate daily. So it depends on when the switch actually goes ahead.\n\nChannel 1: Yep.\n\nChannel 0: Alternatives, we did look at the current portfolio and a couple of more up to date ones where I was looking at a full overhaul, and that was going to come out to be about 2,700 in capital gains tax to sell everything and rebuild your portfolio from scratch. It didn't really come out to be that good in terms of fees and performance, so I didn't recommend anything drastic. Again, it's just two options switched out and a rebalance of the portfolio.\n\nChannel 1: Hello?\n\nChannel 0: So if you go down, here we get to the figures. You should see on page 14 a blue table for the investments, and there's a whole bunch of different red highlighted figures for the investments that we're changing. So the main ones to point out here is if you look at the top row, beta shares of Strathclyde Bank Hybrids, BHYB, that one\n\nChannel 1: Yep.\n\nChannel 0: we're recommending you sell out of completely.\n\nChannel 1: Yep.\n\nChannel 0: Reason being is the government is actually phasing out bank hybrids as an investment vehicle. And over the next couple of years, that will no longer be an investment option. So\n\nChannel 1: Mhmm.\n\nChannel 0: we're looking at the bottom to put it into an iShares bond ETF called IAF. Pretty similar in terms of fees and performance, and that's kind of your defensive portion.\n\nChannel 1: Yep.\n\nChannel 0: The main switch out, so there's a rebalancing of your\n\nChannel 1: So\n\nChannel 0: agriculture\n\nChannel 1: what's the difference\n\nChannel 0: share.\n\nChannel 1: between that and the next row? Because that's beta shares as well.\n\nChannel 0: Yeah. So BetaShares is one of the companies. BetaShares,\n\nChannel 1: Okay.\n\nChannel 0: BlackRock, Vanguard, they're the sort of fund managers, if you\n\nChannel 1: Okay.\n\nChannel 0: will. The next row is just agricultural shares.\n\nChannel 1: Okay. I see.\n\nChannel 0: They're\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: Okay.\n\nChannel 0: term deposits or bonds. It's a different option altogether. The API code is food on that one, so nice and easy.\n\nChannel 1: Mhmm.\n\nChannel 0: We're just rebalancing that back to the original 7%. And the same thing with gold as well. It's performed very, very well. It's had a bit of a pullback after the year, and we don't really recommend having more than 10% as a satellite at any one point. So as it tends to grow, we tend to just trim off a bit of the profit every now and then.\n\nChannel 1: Mhmm.\n\nChannel 0: Cybersecurity and S and P five hundred, they're pretty standard shares for you. S and P 500 is your core international shares. That's\n\nChannel 1: Okay.\n\nChannel 0: been\n\nChannel 1: Uh-huh.\n\nChannel 0: doing very well. The RAFI Australia 200, that's your Australian shares or a portion of them. That one's been doing well too. It's that Benelon option afterwards that I'm wanting to sell out of.\n\nChannel 1: For a few years now, isn't it?\n\nChannel 0: Yeah. So I've found a like for like replacement at the bottom, which is Alfiniti.\n\nChannel 1: Mhmm.\n\nChannel 0: Now Alfiniti is a similar style of active Australian shares, but it's about 10% less expensive for fees, and the performance over one, three, five, and ten years is all far stronger. This one's actually outperformed the Australian stock market over those periods as well. So it's a bit of a an engine tune up is how I would describe it.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: K. So, again, two switch outs for the bank hybrids that are being phased out and Benelon, which has been underperforming, and the rest will be rebalanced.\n\nChannel 1: Yep.\n\nChannel 0: K. If you go past there, we do just have your cash table because hub twenty four runs 1.25% cash in your internal bank account. So I factored that in as well.\n\nChannel 1: Mhmm.\n\nChannel 0: The three tables I really wanted to show you to sort of cap off why we're doing this is page 16 has your asset allocation pie chart, nice colorful one there.\n\nChannel 1: Mhmm.\n\nChannel 0: The middle row, growth total. So when you're in that growth risk profile, we're kind of bouncing between 80 to 90% growth assets. Anything above 90 would be high growth or high risk. So you're currently sitting at about 88. With the rebalance, you go to about 87, still within that range of\n\nChannel 1: Mhmm.\n\nChannel 0: the growth risk profile. See comparison table on the next page. So what I've done is, again, factored in that capital gains tax and the contributions that I was looking at just to bring you up to the cap. And I've included at the bottom of that table the five year rolling average performance difference between the two, but the next page has the different time periods as well for performance.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if you go on to 18, we've got a bit of an updated five and ten year projection. Again, bit of grain of salt. This is just projecting forward if the markets continue to do what they were doing, which, again, the switch out of the investments and the rebalance with any kind of top up of contributions to make sure you are hitting the cap, that should get you about another 50 to 150,000 over the next five to ten years.\n\nChannel 1: And then yeah. Okay. Yep.\n\nChannel 0: Now one, three, and five years listed below. I think the main thing I wanted to point out here in the performance side by side where it says annualized investment returns, June 30, is we're just trying to bring all time periods back up into the double digit space. Normally, with a growth portfolio, your kind of benchmark is nine to 10%. If we can consistently keep getting that kind of 11 to 15, that's gonna get you that buffer for the retirement goal. K?\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, that pretty much caps off the recommendations outside of the contributions where I go into a little bit more depth about things to watch out for when it comes to contributions. But do you have any questions on the portfolio side of things at this point?\n\nChannel 1: Sorry. I I don't know if I'm understanding this correctly. So I'm I'm just probably need to put need you to explain this to me a bit more\n\nChannel 0: Yeah.\n\nChannel 1: simpler. But so as I understand it, my contribution, say, for this year or in the recent years would be around 25,000 or more. Correct?\n\nChannel 0: Yes.\n\nChannel 1: And the increase in my balance is it looks like it's only increased by about the same amount or less. Is that correct? Like, where's\n\nChannel 0: So\n\nChannel 1: my balance? Is there a comparison between my balance last year versus this year?\n\nChannel 0: Oh, yes. So the last year versus this year is in a annual review report\n\nChannel 1: Alright.\n\nChannel 0: separately. So this one is just a forward looking advice\n\nChannel 1: Okay.\n\nChannel 0: piece about what you we think you should do going forward.\n\nChannel 1: Is the figure\n\nChannel 0: I do\n\nChannel 1: not in this report?\n\nChannel 0: correct. So we've\n\nChannel 1: Yeah.\n\nChannel 0: got the balance based on when we figured it out. But\n\nChannel 1: Uh-huh.\n\nChannel 0: twelve months ago, it was sorry, just bear with me for a moment, four sixty, and\n\nChannel 1: 4\n\nChannel 0: you're at\n\nChannel 1: 60.\n\nChannel 0: $5.00 8 today.\n\nChannel 1: I see. I thought you mentioned $4.85.\n\nChannel 0: Oh, yes. Sorry. $4.85 was when we last spoke in March right in the\n\nChannel 1: In\n\nChannel 0: middle of that\n\nChannel 1: March.\n\nChannel 0: market\n\nChannel 1: I see.\n\nChannel 0: downturn.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. So\n\nChannel 1: Alright.\n\nChannel 0: twelve months ago, April. 03/04/1985. Currently, 05/2008.\n\nChannel 1: I see. Okay. Okay. That\n\nChannel 0: Cool.\n\nChannel 1: sounds\n\nChannel 0: And\n\nChannel 1: a bit\n\nChannel 0: sorry.\n\nChannel 1: better\n\nChannel 0: It also\n\nChannel 1: than\n\nChannel 0: yeah. It does.\n\nChannel 1: because I was I thought it was 45 last year, which suggests that I'm actually not it's not actually increasing. It's only increasing by, yeah, actually, we're losing\n\nChannel 0: Just\n\nChannel 1: money\n\nChannel 0: the contribution\n\nChannel 1: here.\n\nChannel 0: amount. Yeah. No. A 100%. If you were negative, I would definitely have to tell you that,\n\nChannel 1: Yeah.\n\nChannel 0: and then we'd be having conversation about do we change anything? Do we reduce risk? What do we do?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Again, there's gonna be a negative every seven years when the market crashes. That's fair enough, but we need to compare and make sure is it behaving as we would expect in that scenario and what to do going forward. When it\n\nChannel 1: Yep.\n\nChannel 0: comes to the contributions, please also remember as well that your employer contributions get taxed at 15%. So that's the concessional rate as opposed to your marginal rate. So whatever\n\nChannel 1: Yeah.\n\nChannel 0: goes in there, 25, 30, it will be 15% less that gets invested.\n\nChannel 1: Okay. I see.\n\nChannel 0: There is one other\n\nChannel 1: Yep.\n\nChannel 0: contribution point that I really need to let you know of as well. Just out of curiosity, Kala, have you managed to do your tax return this year?\n\nChannel 1: I was told yes, but it's been sent direct to the ATO. I haven't oh, sorry. Tax return, not not my not my employer. No. I haven't got the tax return\n\nChannel 0: No. That's okay. So if you can go down on the next pages for me, I wanna kinda just break this down\n\nChannel 1: yet.\n\nChannel 0: a little bit for you because I believe this might be the first year that you've experienced division two nine three in your tax return. Did you remember getting, like, a liability letter last year?\n\nChannel 1: I did. I was, yeah, I was wondering about that.\n\nChannel 0: Yeah. So I've given you a bit of a table here which breaks it down pretty well. I'd Please forgive me for the amount of figures in the table, but on page 19, I've got a bit of a income and contributions table. Gives you a\n\nChannel 1: Uh-huh.\n\nChannel 0: bit of an estimate if you can see it.\n\nChannel 1: Yes. Yep.\n\nChannel 0: So let's say you do earn 250,000. Anybody\n\nChannel 1: Mhmm.\n\nChannel 0: whose income and contributions combined are above $2.50 falls into a division two nine three category where they have a bit of a formula that calculates contributions above $2.50. They cop an extra 15% tax rate.\n\nChannel 1: Oh\n\nChannel 0: Yeah. So instead of, like,\n\nChannel 1: my\n\nChannel 0: you're getting taxed at 47%, the highest marginal rate, instead\n\nChannel 1: gosh.\n\nChannel 0: of getting your 15, they lump another 15 on top to a portion\n\nChannel 1: Okay.\n\nChannel 0: of them, not all of them.\n\nChannel 1: Alright.\n\nChannel 0: So what I've sort of analyzed for you is that if you look at the second last row of the top section of the table, I've put in division two nine three tax. I have estimated it at 4,500.\n\nChannel 1: Yep.\n\nChannel 0: That's essentially that extra 15% of a portion of the contribution. Now let's say you ended the year with 30,000 of contributions and you put an extra 2 and a half in at the end of financial year.\n\nChannel 1: Yes.\n\nChannel 0: It wouldn't actually increase your division two nine three liability based on the old pay calculator. But, basically, what happens is this is something that rather than the tax getting taken out of your super account along with your contributions, this comes at tax time. So you do your\n\nChannel 1: Alright.\n\nChannel 0: tax return. The government says you fall into this category. Please pay $4,500, and then you have the option to either pay that personally through the tax return or elect to release some funds from super to pay for that liability. So\n\nChannel 1: Okay.\n\nChannel 0: you still do get about a 17% benefit on those higher contributions. It's just not that full\n\nChannel 1: Yeah.\n\nChannel 0: full tax deduction like you were getting, but it's just done separately, not through the super. It's done in your tax return.\n\nChannel 1: Yeah.\n\nChannel 0: So I hope that makes a bit of sense, but as long as you keep earning what you are, you will continue to get that on a yearly basis just like my father-in-law and a number of clients that we have. And, again, you either pay it personally or release some funds from super. It's\n\nChannel 1: And\n\nChannel 0: kind of a bit different than breaching your cap.\n\nChannel 1: which way is better again?\n\nChannel 0: Either one, to be honest. If you release\n\nChannel 1: Okay.\n\nChannel 0: a bit of funds out of super, that'll pay for it, but, obviously, a little bit comes out of the super funds, so a little\n\nChannel 1: Yeah.\n\nChannel 0: bit less invested. But then do you have do you want the rest taken out of your tax returns? So if you were gonna get $6 back, you only get 1,500. It's really up to you, your preference at that point.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Okay. I just wanted to make you aware that whenever I factor in, like you said, the contributions and caps, you will continue to fall into that category, so I have to factor that in. But then\n\nChannel 1: Mhmm.\n\nChannel 0: again, as they increase the cap, we still wanna maximize it as best we can because you still do get a benefit. It's just not as big as when you were on, say, a 150,000.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K? Cool. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: It's not the most fun thing in the world, and I think it's a bit of a a slap in the face because I think high income owners in Australia probably get the worst tax outcome.\n\nChannel 1: Yeah.\n\nChannel 0: And I don't\n\nChannel 1: I\n\nChannel 0: think\n\nChannel 1: don't think\n\nChannel 0: I would\n\nChannel 1: it's\n\nChannel 0: call\n\nChannel 1: high\n\nChannel 0: you\n\nChannel 1: income,\n\nChannel 0: the Uber\n\nChannel 1: but\n\nChannel 0: rich. Exactly. We we can't call you the 1%, Carlo. You have to pay your fare. Yeah?\n\nChannel 1: I don't know about being the 1% that doesn't feel high to me.\n\nChannel 0: No. I remember my father-in-law saying the same thing. He goes, oh, you know, I earned $2.50 this year, and I think he paid, like, 80 something thousand dollars in tax. He just went, man, I can almost fund the village at this point. I should build my own town.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Cool.\n\nChannel 1: It's\n\nChannel 0: That pretty much caps everything off. So\n\nChannel 1: alright.\n\nChannel 0: the rest of the document is just the the will and the power of attorney information, just\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of general information. We've got the services and fees at the bottom from Oakview\n\nChannel 1: Mhmm.\n\nChannel 0: and how we implement the advice, which is essentially if you authorize this document with a signature, we can switch your investments online. And then once it comes to end of financial year, I'll put in for a bit of a phone call just to see if we wanna do some extra contributions before the end of financial year.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: If we do that, we'll help you through the claim paperwork, which is just a a notice of intent to claim form. We'll help prefill all of that as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Cool.\n\nChannel 1: Okay.\n\nChannel 0: Do you have any\n\nChannel 1: Yeah.\n\nChannel 0: questions\n\nChannel 1: Sounds\n\nChannel 0: for\n\nChannel 1: good.\n\nChannel 0: me so far?\n\nChannel 1: No. No. I think I got that. And I will read the rest of this a bit later.\n\nChannel 0: No worries.\n\nChannel 1: Okay.\n\nChannel 0: Now just bear in mind, we won't move anything until you authorize. Please come back with any questions if you do have any. We've also included an appendix with additional research and some updated product disclosure documents, which is, again, Hub 24. Their PDFs investment menu, it's a couple of thousand pages of whatever you would like to know about Hub twenty four and all of the options they have. And there's an updated service guide for you as well.\n\nSo have\n\nChannel 1: Mhmm.\n\nChannel 0: a read through. You don't have to scroll through all of those documents because it is a couple of thousand pages. You can just click next document, and it will bring you across.\n\nChannel 1: Yep. So to\n\nChannel 0: K.\n\nChannel 1: authorize, do I just sign this document?\n\nChannel 0: Yeah. The only signature on there is for the advice document, the authority\n\nChannel 1: Yep.\n\nChannel 0: to proceed. That should be the only one\n\nChannel 1: Mhmm.\n\nChannel 0: and a date. If you're happy with everything, give that a sign. We'll get that back and implement it. If you have any questions, just email the team or give us a call. And just bear in mind, the advice documents do have, like, a a thirty to sixty day expiry in case you do have a change in circumstances as well.\n\nChannel 1: Okay. Understood.\n\nChannel 0: Perfect.\n\nChannel 1: Alright. Well, look, I'm authorizing that. And this is you. Right? Tommy Thomas?\n\nChannel 0: Yes. So full Croatian legal name, Tomislav\n\nChannel 1: Okay.\n\nChannel 0: Bukovic. As as registered with ASIC, adviser\n\nChannel 1: Alright.\n\nChannel 0: one two seven three one zero five. That is me.\n\nChannel 1: Okay. Alright.\n\nChannel 0: And from here too, Carlo, I was penciling in for your annual review when it comes due and that conversation for end of financial year. We were talking about possibly having, like, a quarterly catch up just to see how the portfolio is going.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you\n\nChannel 1: Yeah.\n\nChannel 0: still wanna do a quarterly catch up, six monthly? What would be your preference?\n\nChannel 1: Look. Six monthly is yeah. Six monthly is fine.\n\nChannel 0: Okay.\n\nChannel 1: I think that's what what it was before, isn't it? Six monthly.\n\nChannel 0: Yeah. So I could put possibly put in for another conversation just before the end of the year if that helps.\n\nChannel 1: Yeah. I think it's just that I felt like the the there may have been one or two that was missed. That was that's why I asked for more frequent catch\n\nChannel 0: Yep.\n\nChannel 1: ups. And I I I can't recall, to be honest, if it was me who canceled the call or or if, you know, I just missed the call. But it felt like it it was a period where I wasn't getting any updates for a while.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Otherwise, I'm fine with six months as long as it actually happens. And if I\n\nChannel 0: Yeah.\n\nChannel 1: cancel the call, maybe just call me back again and try try again. Yeah.\n\nChannel 0: Yeah. I'll make sure that what we normally do is there'll be a call,\n\nChannel 1: Yeah.\n\nChannel 0: text, and email if we miss anything.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: I know Christmas time, there's a lot of people wanting to have a chat about before the end of the year because the market's gone so terribly in March. So I do have a number of clients lined up for November, December, and I will absolutely endeavor to pencil you in for a catch up. And at the very least, just send you a bit of an email report so you've got it there as well.\n\nChannel 1: Yeah. And I've saved the number now anyway, so it comes up as o p. That's why I'm I was thinking I may have canceled on the call previously because it just comes up as some number or even yeah. What do you call this? Telemarketer?\n\nChannel 0: Oh, yeah. And it's not\n\nChannel 1: Yeah.\n\nChannel 0: my strong suit because we do have that one three hundred numbers for people to call in. But because we use digital phone software, I'm not sure whether I actually came up as, like, a mobile number through the digital system or not. I'm not really the best with that. But I appreciate you saving the number. But\n\nChannel 1: Yeah.\n\nChannel 0: if I always miss you, I will always send a text message straight afterwards just to let you know that it was me.\n\nChannel 1: Okay. No. That's that's good. Thank you.\n\nChannel 0: No worries at all. Is there anything else I can help you with today before I let you enjoy the rest of your\n\nChannel 1: No.\n\nChannel 0: week?\n\nChannel 1: That's all good. Thank you very much.\n\nChannel 0: Well, Carlo, fingers crossed, the the world settles down a little bit, and we have a good conversation at Christmas time that everyone's\n\nChannel 1: Yeah.\n\nChannel 0: winning. If not, I will go through what's been happening, what the options are, and look forward to chatting to you again soon.\n\nChannel 1: Okay. No. Thank you. Alright.\n\nChannel 0: Amazing color. Have a great day.\n\nChannel 1: You too. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.0463075190782547}],"sentiment":"neutral","sentiment_score":0.0463075190782547,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon, Carlo.","start":1.92,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.2776524176200231},{"text":"Tommy here from Oakview, mate.","start":3.1999998,"end":4.4,"sentiment":"neutral","sentiment_score":0.1993759572505951},{"text":"How are you doing?","start":4.4,"end":5.22,"sentiment":"neutral","sentiment_score":0.20689816772937775}],"sentiment":"neutral","sentiment_score":0.22145247583587965,"channel":0,"num_words":12,"start":1.92,"end":5.22},{"sentences":[{"text":"Hi.","start":5.44,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.3130127787590027},{"text":"I'm good.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.4708167016506195},{"text":"Thanks.","start":6.16,"end":6.64,"sentiment":"positive","sentiment_score":0.5979406833648682},{"text":"How are you?","start":6.64,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.31809032956759137}],"sentiment":"positive","sentiment_score":0.40097969344684053,"channel":1,"num_words":7,"start":5.44,"end":7.3799996},{"sentences":[{"text":"Good to hear.","start":7.12,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5689082145690918},{"text":"I'm doing fantastic.","start":7.7599998,"end":8.82,"sentiment":"positive","sentiment_score":0.7773658633232117},{"text":"It's a beautiful, cold, drizzly day on the Gold Coast.","start":8.88,"end":11.36,"sentiment":"positive","sentiment_score":0.5551815301179885},{"text":"What about your end?","start":11.36,"end":12.435,"sentiment":"neutral","sentiment_score":0.16614932008087635}],"sentiment":"positive","sentiment_score":0.512761740759015,"channel":0,"num_words":20,"start":7.12,"end":12.435},{"sentences":[{"text":"Oh, nice.","start":12.719999,"end":13.12,"sentiment":"positive","sentiment_score":0.343006893992424},{"text":"It's sunny over here.","start":13.12,"end":14.42,"sentiment":"positive","sentiment_score":0.36694709211587906}],"sentiment":"positive","sentiment_score":0.35896702607472736,"channel":1,"num_words":6,"start":12.719999,"end":14.42},{"sentences":[{"text":"Good to hear.","start":14.915001,"end":15.555,"sentiment":"positive","sentiment_score":0.49742748339970905},{"text":"Good to hear.","start":15.555,"end":16.295,"sentiment":"positive","sentiment_score":0.4667466978232066},{"text":"I've got an updated strategy to send through to you.","start":16.355,"end":19.475,"sentiment":"neutral","sentiment_score":0.2183838665485382},{"text":"Will you be able to look at your emails today with me?","start":19.475,"end":22.215,"sentiment":"neutral","sentiment_score":0.12619519606232643}],"sentiment":"neutral","sentiment_score":0.23538227006793022,"channel":0,"num_words":28,"start":14.915001,"end":22.215},{"sentences":[{"text":"Yep.","start":22.744999,"end":23.224998,"sentiment":"neutral","sentiment_score":0.06578254699707031},{"text":"Yep.","start":23.224998,"end":23.724998,"sentiment":"neutral","sentiment_score":0.0878303274512291},{"text":"That's fine.","start":23.785,"end":24.525,"sentiment":"neutral","sentiment_score":0.2717106193304062}],"sentiment":"neutral","sentiment_score":0.17425852827727795,"channel":1,"num_words":4,"start":22.744999,"end":24.525},{"sentences":[{"text":"Fantastic.","start":24.195,"end":24.695,"sentiment":"positive","sentiment_score":0.5593920946121216},{"text":"So I'm gonna pop that through to the Gmail now.","start":24.835,"end":28.119999,"sentiment":"neutral","sentiment_score":0.17390348985791207},{"text":"But just while I'm doing that, could I please confirm your date of birth and address for security?","start":28.119999,"end":33.82,"sentiment":"neutral","sentiment_score":0.04881270105640093}],"sentiment":"neutral","sentiment_score":0.10955364180022273,"channel":0,"num_words":29,"start":24.195,"end":33.82},{"sentences":[{"text":"Okay.","start":34.469997,"end":34.969997,"sentiment":"neutral","sentiment_score":0.015141049399971962},{"text":"Date of birth is 04/24/1977.","start":35.989998,"end":40.25,"sentiment":"neutral","sentiment_score":0.011967887822538614},{"text":"Address is 54 Delia Drive, Glenwood, New South Wales.","start":42.07,"end":46.455,"sentiment":"neutral","sentiment_score":0.029389416178067524}],"sentiment":"neutral","sentiment_score":0.022632348941018184,"channel":1,"num_words":15,"start":34.469997,"end":46.455},{"sentences":[{"text":"Yep.","start":47.335,"end":47.574997,"sentiment":"neutral","sentiment_score":0.11505194753408432},{"text":"Sensational.","start":47.574997,"end":48.074997,"sentiment":"neutral","sentiment_score":0.24583254754543304},{"text":"Thank you for that.","start":48.535,"end":49.254997,"sentiment":"positive","sentiment_score":0.6276308447122574},{"text":"So So that should come through pretty quickly.","start":49.254997,"end":51.28,"sentiment":"positive","sentiment_score":0.49097391963005066},{"text":"Just let me know when you do get that email.","start":51.28,"end":53.3,"sentiment":"neutral","sentiment_score":0.22991438657045365}],"sentiment":"positive","sentiment_score":0.37909762902806204,"channel":0,"num_words":24,"start":47.335,"end":53.3},{"sentences":[{"text":"And,","start":53.519997,"end":54.019997,"sentiment":"neutral","sentiment_score":0.1555313766002655}],"sentiment":"neutral","sentiment_score":0.1555313766002655,"channel":0,"num_words":1,"start":53.519997,"end":54.019997},{"sentences":[{"text":"Okay.","start":53.575,"end":54.075,"sentiment":"neutral","sentiment_score":0.2483806163072586}],"sentiment":"neutral","sentiment_score":0.2483806163072586,"channel":1,"num_words":1,"start":53.575,"end":54.075},{"sentences":[{"text":"yeah, pretty excited to go through a couple of things with you today.","start":54.399998,"end":57.14,"sentiment":"positive","sentiment_score":0.4526033172240624},{"text":"If you remember a few months ago, we were speaking about updating some portfolio investments in the super, talking about contributions, a few different things there, and a bit more frequent contact as well.","start":57.28,"end":70.325,"sentiment":"neutral","sentiment_score":0.14391138185473049},{"text":"So just wanted to go through what I've come up with together.","start":70.325,"end":72.985,"sentiment":"neutral","sentiment_score":0.18349753568569818}],"sentiment":"neutral","sentiment_score":0.21997967008816993,"channel":0,"num_words":59,"start":54.399998,"end":72.985},{"sentences":[{"text":"Okay.","start":73.72,"end":74.22,"sentiment":"neutral","sentiment_score":0.055696770548820496},{"text":"I just received the the email.","start":74.485,"end":76.985,"sentiment":"neutral","sentiment_score":0.03608015521119038},{"text":"Logged in.","start":78.645,"end":79.384995,"sentiment":"neutral","sentiment_score":0.019058832898736},{"text":"Okay.","start":79.445,"end":79.945,"sentiment":"neutral","sentiment_score":0.025128042325377464},{"text":"And it says click to start.","start":81.365,"end":83.865,"sentiment":"neutral","sentiment_score":0.01049577227483193}],"sentiment":"neutral","sentiment_score":0.02489987772423774,"channel":1,"num_words":16,"start":73.72,"end":83.865},{"sentences":[{"text":"So just do I just","start":83.924995,"end":85.945,"sentiment":"neutral","sentiment_score":0.004138256981968879}],"sentiment":"neutral","sentiment_score":0.004138256981968879,"channel":1,"num_words":5,"start":83.924995,"end":85.945},{"sentences":[{"text":"Yeah.","start":85.54,"end":85.86,"sentiment":"neutral","sentiment_score":0.010897766798734663},{"text":"That's","start":85.86,"end":86.1,"sentiment":"neutral","sentiment_score":0.014504539780318735}],"sentiment":"neutral","sentiment_score":0.0127011532895267,"channel":0,"num_words":2,"start":85.54,"end":86.1},{"sentences":[{"text":"start","start":86.085,"end":86.405,"sentiment":"neutral","sentiment_score":0.02119162678718567}],"sentiment":"neutral","sentiment_score":0.02119162678718567,"channel":1,"num_words":1,"start":86.085,"end":86.405},{"sentences":[{"text":"the one.","start":86.1,"end":86.5,"sentiment":"neutral","sentiment_score":0.01864177593961358}],"sentiment":"neutral","sentiment_score":0.01864177593961358,"channel":0,"num_words":2,"start":86.1,"end":86.5},{"sentences":[{"text":"now?","start":86.405,"end":86.88,"sentiment":"neutral","sentiment_score":0.019169580191373825}],"sentiment":"neutral","sentiment_score":0.019169580191373825,"channel":1,"num_words":1,"start":86.405,"end":86.88},{"sentences":[{"text":"So that's from our new Odoo system.","start":86.5,"end":88.34,"sentiment":"neutral","sentiment_score":0.058330896709646494},{"text":"It should bring up our the statement of advice should be the first document.","start":88.34,"end":93.415,"sentiment":"neutral","sentiment_score":0.09059589409402438},{"text":"It looks like a Gold Coast City beachfront picture.","start":93.415,"end":96.075,"sentiment":"neutral","sentiment_score":0.07227481363548173}],"sentiment":"neutral","sentiment_score":0.07757107056677341,"channel":0,"num_words":30,"start":86.5,"end":96.075},{"sentences":[{"text":"Yeah.","start":96.24,"end":96.72,"sentiment":"neutral","sentiment_score":0.06394165754318237},{"text":"Yeah.","start":96.72,"end":97.03999,"sentiment":"neutral","sentiment_score":0.07737136632204056},{"text":"So I have that open.","start":97.03999,"end":98.259995,"sentiment":"neutral","sentiment_score":0.13559666872024537}],"sentiment":"neutral","sentiment_score":0.11704233820949282,"channel":1,"num_words":7,"start":96.24,"end":98.259995},{"sentences":[{"text":"Amazing.","start":99.015,"end":99.515,"sentiment":"positive","sentiment_score":0.3919919729232788},{"text":"So if you can scroll through down to page four for me, I'm just gonna quickly touch on the scope of the advice together, and then I'll double check details and run through the recommendation.","start":99.575,"end":109.28,"sentiment":"neutral","sentiment_score":0.18714235233409063}],"sentiment":"neutral","sentiment_score":0.1928326195726792,"channel":0,"num_words":36,"start":99.015,"end":109.28},{"sentences":[{"text":"Okay.","start":109.695,"end":110.195,"sentiment":"neutral","sentiment_score":0.07142307609319687}],"sentiment":"neutral","sentiment_score":0.07142307609319687,"channel":1,"num_words":1,"start":109.695,"end":110.195},{"sentences":[{"text":"So you should see a blue heading on that page, scope of advice considered.","start":111.1,"end":115.02,"sentiment":"neutral","sentiment_score":0.07154140887515885},{"text":"Can you see that there?","start":115.02,"end":116.115,"sentiment":"neutral","sentiment_score":0.05437797605991364}],"sentiment":"neutral","sentiment_score":0.0670247160290417,"channel":0,"num_words":19,"start":111.1,"end":116.115},{"sentences":[{"text":"Yes.","start":116.19,"end":116.69,"sentiment":"neutral","sentiment_score":0.16184881329536438}],"sentiment":"neutral","sentiment_score":0.16184881329536438,"channel":1,"num_words":1,"start":116.19,"end":116.69},{"sentences":[{"text":"Perfect.","start":117.314995,"end":117.795,"sentiment":"positive","sentiment_score":0.35003334283828735},{"text":"So the main thing is we were wanting to the overarching goal was that retirement at age 67 or earlier if possible.","start":117.795,"end":124.534996,"sentiment":"neutral","sentiment_score":0.14939289125190539},{"text":"But we were just reviewing the portfolio in the super, and we wanted to have a bit more frequent contact just to make sure that we're keeping an eye on things a little bit closer and especially when it comes to things like contributions and caps given your high","start":125.155,"end":138.51999,"sentiment":"neutral","sentiment_score":0.07803067610580094}],"sentiment":"neutral","sentiment_score":0.10361361221617295,"channel":0,"num_words":72,"start":117.314995,"end":138.51999},{"sentences":[{"text":"Mhmm.","start":138.3,"end":138.8,"sentiment":"neutral","sentiment_score":0.0010215300135314465}],"sentiment":"neutral","sentiment_score":0.0010215300135314465,"channel":1,"num_words":1,"start":138.3,"end":138.8},{"sentences":[{"text":"income.","start":138.51999,"end":138.92,"sentiment":"neutral","sentiment_score":0.007313214242458344},{"text":"Does that ring a 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you go a little bit further down, cash flow and contributions, I have come up with a few ideas when it comes to the contributions.","start":142.59999,"end":149.445,"sentiment":"neutral","sentiment_score":0.27314551403889287},{"text":"I'll run by at the moment, but we were talking about potentially doing somewhere between 70 to $80 of salary sacrifice, but I've come up with a bit of a different way of doing contributions.","start":149.745,"end":161.5,"sentiment":"neutral","sentiment_score":0.02402921606387411}],"sentiment":"neutral","sentiment_score":0.13974256927688275,"channel":0,"num_words":62,"start":141.95999,"end":161.5},{"sentences":[{"text":"Sorry.","start":162.555,"end":162.955,"sentiment":"neutral","sentiment_score":-0.22376114130020144},{"text":"Where where is that 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page 12, and it's an advantages and disadvantages table.","start":826.62,"end":832.56,"sentiment":"neutral","sentiment_score":0.03211698880685227}],"sentiment":"neutral","sentiment_score":0.03211698880685227,"channel":0,"num_words":14,"start":826.62,"end":832.56},{"sentences":[{"text":"at?","start":835.39,"end":835.79,"sentiment":"neutral","sentiment_score":0.01684710755944252},{"text":"Yep.","start":835.79,"end":836.29,"sentiment":"neutral","sentiment_score":0.08331242203712463},{"text":"Okay.","start":836.43,"end":836.93,"sentiment":"neutral","sentiment_score":0.09382610023021698}],"sentiment":"neutral","sentiment_score":0.06466187660892804,"channel":1,"num_words":3,"start":835.39,"end":836.93},{"sentences":[{"text":"And see on the right hand side for the disadvantages, we have brokerage fees highlighted.","start":837.515,"end":842.89496,"sentiment":"neutral","sentiment_score":0.07937090123693148},{"text":"So the investments that we use for your super are 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shares.","start":1048.45,"end":1052.07,"sentiment":"neutral","sentiment_score":0.02254641366501649},{"text":"That's","start":1052.2899,"end":1052.5299,"sentiment":"neutral","sentiment_score":0.021805573254823685}],"sentiment":"neutral","sentiment_score":0.02557332789444405,"channel":0,"num_words":23,"start":1043.525,"end":1052.5299},{"sentences":[{"text":"Okay.","start":1052.4149,"end":1052.735,"sentiment":"neutral","sentiment_score":0.030821185559034348}],"sentiment":"neutral","sentiment_score":0.030821185559034348,"channel":1,"num_words":1,"start":1052.4149,"end":1052.735},{"sentences":[{"text":"been","start":1052.5299,"end":1052.77,"sentiment":"neutral","sentiment_score":0.038042426109313965}],"sentiment":"neutral","sentiment_score":0.038042426109313965,"channel":0,"num_words":1,"start":1052.5299,"end":1052.77},{"sentences":[{"text":"Uh-huh.","start":1052.735,"end":1053.235,"sentiment":"neutral","sentiment_score":0.059183187782764435}],"sentiment":"neutral","sentiment_score":0.059183187782764435,"channel":1,"num_words":1,"start":1052.735,"end":1053.235},{"sentences":[{"text":"doing very well.","start":1052.77,"end":1053.75,"sentiment":"neutral","sentiment_score":0.18102069199085236},{"text":"The RAFI Australia 200, that's your Australian shares or a portion of them.","start":1054.37,"end":1059.285,"sentiment":"neutral","sentiment_score":0.03190431629235928},{"text":"That one's been doing well too.","start":1059.285,"end":1060.905,"sentiment":"neutral","sentiment_score":0.12287158394853274},{"text":"It's that Benelon option afterwards that I'm wanting to sell out of.","start":1061.045,"end":1065.7051,"sentiment":"neutral","sentiment_score":-0.06963623563448589}],"sentiment":"neutral","sentiment_score":0.025276848936782163,"channel":0,"num_words":34,"start":1052.77,"end":1065.7051},{"sentences":[{"text":"For a few years now, isn't it?","start":1067.625,"end":1069.805,"sentiment":"neutral","sentiment_score":-0.05564223229885101}],"sentiment":"neutral","sentiment_score":-0.05564223229885101,"channel":1,"num_words":7,"start":1067.625,"end":1069.805},{"sentences":[{"text":"Yeah.","start":1069.525,"end":1070.025,"sentiment":"neutral","sentiment_score":0.006621222943067551},{"text":"So I've found a like for like replacement at the bottom, which is Alfiniti.","start":1070.245,"end":1074.665,"sentiment":"neutral","sentiment_score":0.034213628087724955}],"sentiment":"neutral","sentiment_score":0.032374134411414464,"channel":0,"num_words":15,"start":1069.525,"end":1074.665},{"sentences":[{"text":"Mhmm.","start":1076.025,"end":1076.525,"sentiment":"neutral","sentiment_score":0.047107994556427}],"sentiment":"neutral","sentiment_score":0.047107994556427,"channel":1,"num_words":1,"start":1076.025,"end":1076.525},{"sentences":[{"text":"Now Alfiniti is a similar style of active Australian shares, but it's about 10% less expensive for fees, and the performance over one, three, five, and ten years is all far stronger.","start":1077.14,"end":1089.725,"sentiment":"neutral","sentiment_score":0.2614752477966249},{"text":"This one's actually outperformed the Australian stock market over those periods as well.","start":1090.1849,"end":1095.325,"sentiment":"positive","sentiment_score":0.4097193685861734},{"text":"So it's a bit of a an engine tune up is how I would describe 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rebalanced.","start":1101.8,"end":1110.14,"sentiment":"neutral","sentiment_score":-0.08771577964608486}],"sentiment":"neutral","sentiment_score":-0.0828910282364598,"channel":0,"num_words":27,"start":1101.64,"end":1110.14},{"sentences":[{"text":"Yep.","start":1111.03,"end":1111.53,"sentiment":"neutral","sentiment_score":0.19718733429908752}],"sentiment":"neutral","sentiment_score":0.19718733429908752,"channel":1,"num_words":1,"start":1111.03,"end":1111.53},{"sentences":[{"text":"K.","start":1112.68,"end":1113.16,"sentiment":"neutral","sentiment_score":0.12766306102275848},{"text":"If you go past there, we do just have your cash table because hub twenty four runs 1.25% cash in your internal bank account.","start":1113.16,"end":1122.545,"sentiment":"neutral","sentiment_score":0.18041049968451262},{"text":"So I factored that in as 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there.","start":1126.0651,"end":1137.6201,"sentiment":"neutral","sentiment_score":0.23995711606356404}],"sentiment":"neutral","sentiment_score":0.23995711606356404,"channel":0,"num_words":31,"start":1126.0651,"end":1137.6201},{"sentences":[{"text":"Mhmm.","start":1138.1,"end":1138.6,"sentiment":"neutral","sentiment_score":0.1384570151567459}],"sentiment":"neutral","sentiment_score":0.1384570151567459,"channel":1,"num_words":1,"start":1138.1,"end":1138.6},{"sentences":[{"text":"The middle row, growth total.","start":1139.135,"end":1141.075,"sentiment":"neutral","sentiment_score":0.13193528354167938},{"text":"So when you're in that growth risk profile, we're kind of bouncing between 80 to 90% growth assets.","start":1141.2949,"end":1147.3949,"sentiment":"neutral","sentiment_score":0.14531368762254715},{"text":"Anything above 90 would be high growth or high risk.","start":1147.855,"end":1151.075,"sentiment":"neutral","sentiment_score":-0.10488995090126992},{"text":"So you're currently sitting at about 88.","start":1152.36,"end":1154.86,"sentiment":"neutral","sentiment_score":0.026321489363908768},{"text":"With the rebalance, you go to about 87, still within that range of","start":1155.0,"end":1160.36,"sentiment":"neutral","sentiment_score":0.14577257977082178}],"sentiment":"neutral","sentiment_score":0.08123994808433191,"channel":0,"num_words":53,"start":1139.135,"end":1160.36},{"sentences":[{"text":"Mhmm.","start":1160.13,"end":1160.63,"sentiment":"neutral","sentiment_score":0.03581823781132698}],"sentiment":"neutral","sentiment_score":0.03581823781132698,"channel":1,"num_words":1,"start":1160.13,"end":1160.63},{"sentences":[{"text":"the growth risk profile.","start":1160.36,"end":1161.5801,"sentiment":"neutral","sentiment_score":-0.014373885467648506},{"text":"See comparison table on the next page.","start":1164.615,"end":1166.535,"sentiment":"neutral","sentiment_score":0.06794598485742297},{"text":"So what I've done is, again, factored in that capital gains tax and the contributions that I was looking at just to bring you up to the cap.","start":1166.535,"end":1175.49,"sentiment":"neutral","sentiment_score":0.21200769980038917},{"text":"And I've included at the bottom of that table the five year rolling average performance difference between the two, but the next page has the different time periods as well for performance.","start":1177.41,"end":1189.51,"sentiment":"neutral","sentiment_score":0.16467946581542492}],"sentiment":"neutral","sentiment_score":0.16371950496670226,"channel":0,"num_words":71,"start":1160.36,"end":1189.51},{"sentences":[{"text":"Mhmm.","start":1193.045,"end":1193.545,"sentiment":"neutral","sentiment_score":0.10375629365444183}],"sentiment":"neutral","sentiment_score":0.10375629365444183,"channel":1,"num_words":1,"start":1193.045,"end":1193.545},{"sentences":[{"text":"Now if you go on to 18, we've got a bit of an updated five and ten year projection.","start":1194.295,"end":1200.4751,"sentiment":"neutral","sentiment_score":0.12451197559896268},{"text":"Again, bit of grain of salt.","start":1201.3351,"end":1202.775,"sentiment":"neutral","sentiment_score":0.02217715233564377},{"text":"This is just projecting forward if the markets continue to do what they were doing, which, again, the switch out of the investments and the rebalance with any kind of top up of contributions to make sure you are hitting the cap, that should get you about another 50 to 150,000 over the next five to ten years.","start":1202.775,"end":1222.375,"sentiment":"neutral","sentiment_score":0.1852427700470234}],"sentiment":"neutral","sentiment_score":0.15955266401351217,"channel":0,"num_words":83,"start":1194.295,"end":1222.375},{"sentences":[{"text":"And then yeah.","start":1225.475,"end":1226.355,"sentiment":"neutral","sentiment_score":0.11395405729611714},{"text":"Okay.","start":1226.355,"end":1226.855,"sentiment":"neutral","sentiment_score":0.19042618572711945},{"text":"Yep.","start":1226.96,"end":1227.46,"sentiment":"neutral","sentiment_score":0.20279666781425476}],"sentiment":"neutral","sentiment_score":0.14701700508594512,"channel":1,"num_words":5,"start":1225.475,"end":1227.46},{"sentences":[{"text":"Now one, three, and five years listed below.","start":1228.435,"end":1231.44,"sentiment":"neutral","sentiment_score":0.14141474105417728},{"text":"I think the main thing I wanted to point out here in the performance side by side where it says annualized investment returns, June 30, is we're just trying to bring all time periods back up into the double digit space.","start":1231.5,"end":1244.16,"sentiment":"neutral","sentiment_score":0.25287393098924216},{"text":"Normally, with a growth portfolio, your kind of benchmark is nine to 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contributions.","start":1260.03,"end":1271.905,"sentiment":"neutral","sentiment_score":0.18462456981925404},{"text":"But do you have any questions on the portfolio side of things at this point?","start":1271.905,"end":1275.365,"sentiment":"neutral","sentiment_score":0.0712808313469092}],"sentiment":"neutral","sentiment_score":0.14992750702159746,"channel":0,"num_words":49,"start":1260.03,"end":1275.365},{"sentences":[{"text":"Sorry.","start":1276.61,"end":1276.85,"sentiment":"neutral","sentiment_score":-0.06818298995494843},{"text":"I I don't know if I'm understanding this correctly.","start":1276.85,"end":1281.27,"sentiment":"neutral","sentiment_score":-0.1570271129409472},{"text":"So I'm I'm just probably need to put need you to explain this to me a bit 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more.","start":1293.395,"end":1303.8151,"sentiment":"neutral","sentiment_score":0.05952522741711658},{"text":"Correct?","start":1304.915,"end":1305.415,"sentiment":"neutral","sentiment_score":0.06336712837219238}],"sentiment":"neutral","sentiment_score":0.05864928662776947,"channel":1,"num_words":25,"start":1291.795,"end":1305.415},{"sentences":[{"text":"Yes.","start":1306.735,"end":1307.235,"sentiment":"neutral","sentiment_score":0.08220214396715164}],"sentiment":"neutral","sentiment_score":0.08220214396715164,"channel":0,"num_words":1,"start":1306.735,"end":1307.235},{"sentences":[{"text":"And the increase in my balance is it looks like it's only increased by about the same amount or less.","start":1311.5,"end":1323.4751,"sentiment":"neutral","sentiment_score":0.0891060395166278},{"text":"Is that correct?","start":1325.4551,"end":1326.3551,"sentiment":"neutral","sentiment_score":0.0925445631146431},{"text":"Like, 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out.","start":1350.6051,"end":1353.1051,"sentiment":"neutral","sentiment_score":0.012568061426281928},{"text":"But","start":1353.165,"end":1353.665,"sentiment":"neutral","sentiment_score":-0.015181975439190865}],"sentiment":"neutral","sentiment_score":0.010045330802148039,"channel":0,"num_words":11,"start":1350.6051,"end":1353.665},{"sentences":[{"text":"Uh-huh.","start":1353.615,"end":1354.115,"sentiment":"neutral","sentiment_score":-0.03020290471613407}],"sentiment":"neutral","sentiment_score":-0.03020290471613407,"channel":1,"num_words":1,"start":1353.615,"end":1354.115},{"sentences":[{"text":"twelve months ago, it was sorry, just bear with me for a moment, four sixty, 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so far?","start":1785.975,"end":1786.7949,"sentiment":"neutral","sentiment_score":0.030074916779994965}],"sentiment":"neutral","sentiment_score":0.030074916779994965,"channel":0,"num_words":3,"start":1785.975,"end":1786.7949},{"sentences":[{"text":"No.","start":1787.7201,"end":1788.2201,"sentiment":"neutral","sentiment_score":-0.14210620522499084},{"text":"No.","start":1788.3601,"end":1788.8601,"sentiment":"neutral","sentiment_score":-0.17364126443862915},{"text":"I think I got that.","start":1789.2401,"end":1791.1001,"sentiment":"neutral","sentiment_score":-0.09542115330696106},{"text":"And I will read the rest of this a bit later.","start":1792.1201,"end":1795.5,"sentiment":"neutral","sentiment_score":0.11543193662708456}],"sentiment":"neutral","sentiment_score":0.02649433703886138,"channel":1,"num_words":18,"start":1787.7201,"end":1795.5},{"sentences":[{"text":"No 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yeah.","start":2009.15,"end":2023.555,"sentiment":"neutral","sentiment_score":-0.07182553634047509},{"text":"What do you call this?","start":2024.5751,"end":2025.535,"sentiment":"neutral","sentiment_score":-0.032151073962450025},{"text":"Telemarketer?","start":2025.535,"end":2026.035,"sentiment":"neutral","sentiment_score":-0.02241765707731247}],"sentiment":"neutral","sentiment_score":-0.037652772223657885,"channel":1,"num_words":46,"start":2004.065,"end":2026.035},{"sentences":[{"text":"Oh, yeah.","start":2026.76,"end":2027.56,"sentiment":"neutral","sentiment_score":-0.03358116000890732},{"text":"And it's not","start":2027.56,"end":2028.52,"sentiment":"neutral","sentiment_score":-0.03880120441317558}],"sentiment":"neutral","sentiment_score":-0.03671318665146828,"channel":0,"num_words":5,"start":2026.76,"end":2028.52},{"sentences":[{"text":"Yeah.","start":2028.3351,"end":2028.8351,"sentiment":"neutral","sentiment_score":-0.04096430912613869}],"sentiment":"neutral","sentiment_score":-0.04096430912613869,"channel":1,"num_words":1,"start":2028.3351,"end":2028.8351},{"sentences":[{"text":"my strong suit because we do have that one three hundred numbers for people to call in.","start":2028.52,"end":2033.08,"sentiment":"neutral","sentiment_score":0.006593191996216774},{"text":"But because we use digital phone software, I'm not sure whether I actually came up as, like, a mobile number through the digital system or not.","start":2033.08,"end":2040.225,"sentiment":"neutral","sentiment_score":-0.10180014844697255},{"text":"I'm not really the best with that.","start":2040.845,"end":2042.205,"sentiment":"neutral","sentiment_score":-0.24455035158566066},{"text":"But I appreciate you saving the number.","start":2042.205,"end":2044.145,"sentiment":"neutral","sentiment_score":0.15342871631894792},{"text":"But","start":2044.205,"end":2044.525,"sentiment":"neutral","sentiment_score":0.07131115347146988}],"sentiment":"neutral","sentiment_score":-0.053469998087605525,"channel":0,"num_words":58,"start":2028.52,"end":2044.525},{"sentences":[{"text":"Yeah.","start":2044.51,"end":2045.01,"sentiment":"neutral","sentiment_score":0.03715846687555313}],"sentiment":"neutral","sentiment_score":0.03715846687555313,"channel":1,"num_words":1,"start":2044.51,"end":2045.01},{"sentences":[{"text":"if I always miss you, I will always send a text message straight afterwards just to let you know that it was me.","start":2044.525,"end":2049.84,"sentiment":"neutral","sentiment_score":0.03321838961995166}],"sentiment":"neutral","sentiment_score":0.03321838961995166,"channel":0,"num_words":23,"start":2044.525,"end":2049.84},{"sentences":[{"text":"Okay.","start":2050.125,"end":2050.625,"sentiment":"neutral","sentiment_score":0.13229019939899445},{"text":"No.","start":2050.7651,"end":2050.925,"sentiment":"neutral","sentiment_score":0.24489867687225345},{"text":"That's that's good.","start":2050.925,"end":2052.2852,"sentiment":"positive","sentiment_score":0.4600236217180888},{"text":"Thank you.","start":2052.2852,"end":2053.0251,"sentiment":"positive","sentiment_score":0.5912158489227295}],"sentiment":"positive","sentiment_score":0.4199559198958533,"channel":1,"num_words":7,"start":2050.125,"end":2053.0251},{"sentences":[{"text":"No worries at all.","start":2053.4402,"end":2054.58,"sentiment":"neutral","sentiment_score":0.20027022063732147},{"text":"Is there anything else I can help you with today before I let you enjoy the rest of your","start":2054.72,"end":2058.72,"sentiment":"positive","sentiment_score":0.3346956725183286}],"sentiment":"neutral","sentiment_score":0.31131733306076215,"channel":0,"num_words":23,"start":2053.4402,"end":2058.72},{"sentences":[{"text":"No.","start":2058.605,"end":2058.845,"sentiment":"neutral","sentiment_score":0.016392573714256287}],"sentiment":"neutral","sentiment_score":0.016392573714256287,"channel":1,"num_words":1,"start":2058.605,"end":2058.845},{"sentences":[{"text":"week?","start":2058.72,"end":2059.22,"sentiment":"neutral","sentiment_score":0.104843407869339}],"sentiment":"neutral","sentiment_score":0.104843407869339,"channel":0,"num_words":1,"start":2058.72,"end":2059.22},{"sentences":[{"text":"That's all good.","start":2058.845,"end":2059.805,"sentiment":"positive","sentiment_score":0.7041983405749003},{"text":"Thank you very much.","start":2059.805,"end":2060.76,"sentiment":"positive","sentiment_score":0.8180720061063766}],"sentiment":"positive","sentiment_score":0.7692690065928868,"channel":1,"num_words":7,"start":2058.845,"end":2060.76},{"sentences":[{"text":"Well, Carlo, fingers crossed, the the world settles down a little bit, and we have a good conversation at Christmas time that everyone's","start":2061.76,"end":2067.9849,"sentiment":"positive","sentiment_score":0.4563372050938399}],"sentiment":"positive","sentiment_score":0.4563372050938399,"channel":0,"num_words":23,"start":2061.76,"end":2067.9849},{"sentences":[{"text":"Yeah.","start":2067.96,"end":2068.46,"sentiment":"neutral","sentiment_score":0.2101535201072693}],"sentiment":"neutral","sentiment_score":0.2101535201072693,"channel":1,"num_words":1,"start":2067.96,"end":2068.46},{"sentences":[{"text":"winning.","start":2067.9849,"end":2068.4849,"sentiment":"positive","sentiment_score":0.3351927399635315},{"text":"If not, I will go through what's been happening, what the options are, and look forward to chatting to you again soon.","start":2069.105,"end":2076.015,"sentiment":"neutral","sentiment_score":0.27096332609653473}],"sentiment":"neutral","sentiment_score":0.2737559093081433,"channel":0,"num_words":23,"start":2067.9849,"end":2076.015},{"sentences":[{"text":"Okay.","start":2076.7048,"end":2077.065,"sentiment":"neutral","sentiment_score":0.09282702207565308},{"text":"No.","start":2077.065,"end":2077.4248,"sentiment":"neutral","sentiment_score":-0.01501108705997467},{"text":"Thank you.","start":2077.4248,"end":2078.1648,"sentiment":"positive","sentiment_score":0.45477184653282166},{"text":"Alright.","start":2078.3848,"end":2078.8848,"sentiment":"positive","sentiment_score":0.3810845613479614}],"sentiment":"neutral","sentiment_score":0.27368883788585663,"channel":1,"num_words":5,"start":2076.7048,"end":2078.8848},{"sentences":[{"text":"Amazing color.","start":2078.7349,"end":2079.535,"sentiment":"positive","sentiment_score":0.7878602743148804},{"text":"Have a great day.","start":2079.535,"end":2080.4348,"sentiment":"positive","sentiment_score":0.7167363166809082}],"sentiment":"positive","sentiment_score":0.7404443025588989,"channel":0,"num_words":6,"start":2078.7349,"end":2080.4348},{"sentences":[{"text":"You too.","start":2080.6248,"end":2081.285,"sentiment":"positive","sentiment_score":0.5246087610721588},{"text":"Bye.","start":2081.505,"end":2082.005,"sentiment":"positive","sentiment_score":0.3570610284805298}],"sentiment":"positive","sentiment_score":0.46875951687494916,"channel":1,"num_words":3,"start":2080.6248,"end":2082.005},{"sentences":[{"text":"Thank you.","start":2081.855,"end":2082.4148,"sentiment":"positive","sentiment_score":0.6442111134529114},{"text":"Bye.","start":2082.4148,"end":2082.9148,"sentiment":"neutral","sentiment_score":-0.10849235206842422}],"sentiment":"positive","sentiment_score":0.39330995827913284,"channel":0,"num_words":3,"start":2081.855,"end":2082.9148}]},"summary":{"result":"success","short":"The representative from Oakview discusses updating the customer's portfolio investments and frequent contact, emphasizing the importance of updating the portfolio and avoiding a small contribution if the base salary is too high. They also advise managing income and reducing profit percentage, and provide advice on managing risk and fees. The speaker recommends switching investments and rebalancing the portfolio for better performance and fee improvements, as well as discussing retirement plans and risk profiles. They also provide information on completing authorizing documents and scheduling a call for Christmas time. The speaker emphasizes updating client information and offers to send a report via text or email."},"intents":{"segments":[{"text":"I've got an updated strategy to send through to you. Will you be able to look at your emails today with me? Yep.","start_word":52,"end_word":74,"intents":[{"intent":"Get email","confidence_score":0.0040766485},{"intent":"Review strategy","confidence_score":0.01032333},{"intent":"Send strategy","confidence_score":0.016897697}]},{"text":"So I'm gonna pop that through to the Gmail now. But just while I'm doing that, could I please confirm your date of birth and address for security? Okay.","start_word":79,"end_word":107,"intents":[{"intent":"Confirm information","confidence_score":0.24062}]},{"text":"So the main thing is we were wanting to the overarching goal was that retirement at age 67 or earlier if possible.","start_word":329,"end_word":350,"intents":[{"intent":"Discuss retirement goal","confidence_score":0.021193145}]},{"text":"But we were just reviewing the portfolio in the super, and we wanted to have a bit more frequent contact just to make sure that we're keeping an eye on things a little bit closer and especially when it comes to things like contributions and caps given your high Mhmm. income.","start_word":352,"end_word":402,"intents":[{"intent":"Review portfolio","confidence_score":0.7985836},{"intent":"Increase frequent contact","confidence_score":0.001036623}]},{"text":"If you go a little bit further down, cash flow and contributions, I have come up with a few ideas when it comes to the contributions. I'll run by at the moment, but we were talking about potentially doing somewhere between 70 to $80 of salary sacrifice, but I've come up with a bit of a different way of doing contributions. Sorry.","start_word":411,"end_word":472,"intents":[{"intent":"Consider different approach","confidence_score":0.0016831541}]},{"text":"Maximizing super contributions. Yes. And yes.","start_word":573,"end_word":578,"intents":[{"intent":"Maximize super contributions","confidence_score":0.2075489}]},{"text":"So I did have a chat with our payroll. Are you?","start_word":580,"end_word":590,"intents":[{"intent":"Talk with payroll","confidence_score":0.02899622}]},{"text":"When we looked at your last twelve months, there was about 25,000 had gone in from your employer. But Mhmm. you were Mhmm. talking to me about, like, your your base salary of about 230,000 and Yes.","start_word":655,"end_word":691,"intents":[{"intent":"Calculate salary sum","confidence_score":0.00012751014}]},{"text":"a full package of $2.50, which included bonuses and everything like that.","start_word":692,"end_word":703,"intents":[{"intent":"Discuss bonuses and bonuses","confidence_score":0.000705579}]},{"text":"So what my my strategy essentially was is that when we get to the end of financial year, rather than doing any salary sacrifice or anything like that, is we'll just actually double check what's going in from the employer If they Mhmm.","start_word":705,"end_word":747,"intents":[{"intent":"Review financial strategy","confidence_score":0.0055265245}]},{"text":"The next two pages about you section and your assets and liabilities, I just wanna make sure that's pretty accurate. I know I just put down in terms of savings, you were able to commit to maybe 75 a week for the contributions.","start_word":1454,"end_word":1496,"intents":[{"intent":"Summarize savings and liabilities","confidence_score":0.00081593264}]},{"text":"The next two pages about you section and your assets and liabilities, I just wanna make sure that's pretty accurate. I know I just put down in terms of savings, you were able to commit to maybe 75 a week for the contributions. Civil engineer, total package of $2.50. We've got the home, two cars, and your shares is the main asset Yes.","start_word":1454,"end_word":1516,"intents":[{"intent":"Provide account information","confidence_score":0.000078445846}]},{"text":"the market's bottomed out at $4.65, and then it's bounced Right.","start_word":1597,"end_word":1607,"intents":[{"intent":"Explain market conditions and future plans","confidence_score":1.173425e-7}]},{"text":"If you can just look at the strategy recommendations page on eleven and twelve, it is quite text heavy, but just let me know when you can see that. Eleven, twelve. So the first heading is strategy recommendations. 12 has a bit of a table with advantages and disadvantages on it. Alright.","start_word":1739,"end_word":1790,"intents":[{"intent":"Evaluate future recommendations","confidence_score":0.000035403682},{"intent":"Provide strategy recommendations","confidence_score":0.017572952}]},{"text":"And see on the right hand side for the disadvantages, we have brokerage fees highlighted. So the investments that we use for your super are ETFs. So you pay a little bit of brokerage upfront to purchase them, but then they're the kind of lowest fee investments going forward after you purchase them. So we factored in that 0.11% of brokerage fee, and then the second paragraph, factoring in the capital gains tax of switching the investments. K?","start_word":2196,"end_word":2273,"intents":[{"intent":"Highlight brokerage fees","confidence_score":0.20570089}]},{"text":"So the investments that we use for your super are ETFs. So you pay a little bit of brokerage upfront to purchase them, but then they're the kind of lowest fee investments going forward after you purchase them.","start_word":2211,"end_word":2248,"intents":[{"intent":"Highlight investments","confidence_score":0.0008140543}]},{"text":"So we factored in that 0.11% of brokerage fee, and then the second paragraph, factoring in the capital gains tax of switching the investments. K?","start_word":2249,"end_word":2273,"intents":[{"intent":"Factor in capital gains tax","confidence_score":0.40461597}]},{"text":"Alternatives, we did look at the current portfolio and a couple of more up to date ones where I was looking at a full overhaul, and that was going to come out to be about 2,700 in capital gains tax to sell everything and rebuild your portfolio from scratch.","start_word":2366,"end_word":2414,"intents":[{"intent":"Assist portfolio","confidence_score":0.000018713468}]},{"text":"we're recommending you sell out of completely. Yep.","start_word":2515,"end_word":2522,"intents":[{"intent":"Sell out of investment vehicle","confidence_score":0.25280902}]},{"text":"we're looking at the bottom to put it into an iShares bond ETF called IAF. Pretty similar in terms of fees and performance, and that's kind of your defensive portion. Yep.","start_word":2555,"end_word":2585,"intents":[{"intent":"Discuss bond product","confidence_score":0.000005466338}]},{"text":"The three tables I really wanted to show you to sort of cap off why we're doing this is page 16 has your asset allocation pie chart, nice colorful one there. Mhmm.","start_word":2949,"end_word":2980,"intents":[{"intent":"Analyze asset performance","confidence_score":0.06216885}]},{"text":"of that, that pretty much caps off the recommendations outside of the contributions where I go into a little bit more depth about things to watch out for when it comes to contributions. But do you have any questions on the portfolio side of things at this point? Sorry.","start_word":3282,"end_word":3330,"intents":[{"intent":"Discuss contributions","confidence_score":0.04872297}]},{"text":"Do we reduce risk? What do we do?","start_word":3633,"end_word":3640,"intents":[{"intent":"Reduce risk","confidence_score":0.0916723}]},{"text":"comes to the contributions, please also remember as well that your employer contributions get taxed at 15%. So that's the concessional rate as opposed to your marginal rate. So whatever Yeah. goes in there, 25, 30, it will be 15% less that gets invested. Okay.","start_word":3686,"end_word":3730,"intents":[{"intent":"Calculate tax rate","confidence_score":0.33270693}]},{"text":"comes to the contributions, please also remember as well that your employer contributions get taxed at 15%. So that's the concessional rate as opposed to your marginal rate. So whatever Yeah. goes in there, 25, 30, it will be 15% less that gets invested. Okay. I see.","start_word":3686,"end_word":3732,"intents":[{"intent":"Compare contributions","confidence_score":0.1979975}]},{"text":"Just out of curiosity, Kala, have you managed to do your tax return this year?","start_word":3751,"end_word":3765,"intents":[{"intent":"Provide tax return information","confidence_score":0.027289208}]},{"text":"So let's say you do earn 250,000. Anybody Mhmm. whose income and contributions combined are above $2.50 falls into a division two nine three category where they have a bit of a formula that calculates contributions above $2.50. They cop an extra 15% tax rate.","start_word":3923,"end_word":3967,"intents":[{"intent":"Determine income and contributions","confidence_score":0.0013677748}]},{"text":"So what I've sort of analyzed for you is that if you look at the second last row of the top section of the table, I've put in division two nine three tax. I have estimated it at 4,500.","start_word":4007,"end_word":4045,"intents":[{"intent":"Estimate tax deduction benefits","confidence_score":0.0014195394}]},{"text":"again, as they increase the cap, we still wanna maximize it as best we can because you still do get a benefit. It's just not as big as when you were on, say, a 150,000. Yeah.","start_word":4406,"end_word":4441,"intents":[{"intent":"Calculate maximum benefit from tax","confidence_score":2.7643782e-8}]},{"text":"And I will read the rest of this a bit later. No worries.","start_word":4744,"end_word":4756,"intents":[{"intent":"Complete document tasks","confidence_score":0.000032107768}]},{"text":"So to K. authorize, do I just sign this document? Yeah.","start_word":4875,"end_word":4885,"intents":[{"intent":"Authorize documents","confidence_score":0.29972243}]},{"text":"And from here too, Carlo, I was penciling in for your annual review when it comes due and that conversation for end of financial year. We were talking about possibly having, like, a quarterly catch up just to see how the portfolio is going.","start_word":5014,"end_word":5057,"intents":[{"intent":"Schedule quarterly review","confidence_score":0.19377676}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Carlo. Tommy here from Oakview, mate. How are you doing? Hi.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2133372873067856},{"text":"I'm good. Thanks.","start_word":14,"end_word":16,"sentiment":"positive","sentiment_score":0.5030574202537537},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.3194864094257355},{"text":"Good to hear. I'm doing fantastic. It's a beautiful, cold, drizzly day on the Gold Coast.","start_word":20,"end_word":35,"sentiment":"positive","sentiment_score":0.6115848422050476},{"text":"What about your end?","start_word":36,"end_word":39,"sentiment":"neutral","sentiment_score":0.18619632720947263},{"text":"Oh, nice. It's sunny over here. Good to hear. Good to hear.","start_word":40,"end_word":51,"sentiment":"positive","sentiment_score":0.3986753523349762},{"text":"I've got an updated strategy to send through to you. Will you be able to look at your emails today with me? Yep. Yep. That's fine.","start_word":52,"end_word":77,"sentiment":"neutral","sentiment_score":0.17210179567337036},{"text":"Fantastic.","start_word":78,"end_word":78,"sentiment":"positive","sentiment_score":0.5593920946121216},{"text":"So I'm gonna pop that through to the Gmail now. But just while I'm doing that, could I please confirm your date of birth and address for security? Okay. Date of birth is 04/24/1977. Address is 54 Delia Drive, Glenwood, New South Wales. Yep. Sensational.","start_word":79,"end_word":123,"sentiment":"neutral","sentiment_score":0.08434168994426727},{"text":"Thank you for that. So So that should come through pretty quickly.","start_word":124,"end_word":135,"sentiment":"positive","sentiment_score":0.5341365933418274},{"text":"Just let me know when you do get that email. And, Okay.","start_word":136,"end_word":147,"sentiment":"neutral","sentiment_score":0.22311905026435852},{"text":"yeah, pretty excited to go through a couple of things with you today.","start_word":148,"end_word":160,"sentiment":"positive","sentiment_score":0.446820080280304},{"text":"If you remember a few months ago, we were speaking about updating some portfolio investments in the super, talking about contributions, a few different things there, and a bit more frequent contact as well. So just wanted to go through what I've come up with together. Okay. I just received the the email. Logged in. Okay. And it says click to start. So just do I just Yeah. That's start the one. now? So that's from our new Odoo system. It should bring up our the statement of advice should be the first document. It looks like a Gold Coast City beachfront picture. Yeah. Yeah. So I have that open.","start_word":161,"end_word":270,"sentiment":"neutral","sentiment_score":0.09516379982233047},{"text":"Amazing.","start_word":271,"end_word":271,"sentiment":"positive","sentiment_score":0.3919919729232788},{"text":"So if you can scroll through down to page four for me, I'm just gonna quickly touch on the scope of the advice together, and then I'll double check details and run through the recommendation. Okay. So you should see a blue heading on that page, scope of advice considered. Can you see that there? Yes.","start_word":272,"end_word":327,"sentiment":"neutral","sentiment_score":0.1450459510087967},{"text":"Perfect.","start_word":328,"end_word":328,"sentiment":"positive","sentiment_score":0.35003334283828735},{"text":"So the main thing is we were wanting to the overarching goal was that retirement at age 67 or earlier if possible. But we were just reviewing the portfolio in the super, and we wanted to have a bit more frequent contact just to make sure that we're keeping an eye on things a little bit closer and especially when it comes to things like contributions and caps given your high Mhmm. income. Does that ring a bell? Yes. Right.","start_word":329,"end_word":408,"sentiment":"neutral","sentiment_score":0.10082772132009268},{"text":"Yep. Amazing.","start_word":409,"end_word":410,"sentiment":"positive","sentiment_score":0.5837525129318237},{"text":"If you go a little bit further down, cash flow and contributions, I have come up with a few ideas when it comes to the contributions. I'll run by at the moment, but we were talking about potentially doing somewhere between 70 to $80 of salary sacrifice, but I've come up with a bit of a different way of doing contributions. Sorry. Where where is that again? Sorry. In the second It's table is cash flow and contributions. We on were second looking table. at Which page? on that page three and four where we've got scope of advice considered, super is the first table, cash flow is the second table. There's no table on page three. No table on page three. It should look like a Sorry. bit of a blue. Okay. Yeah. Cash flow contributions. Got it. No reason. Yes. And then it says here 70 to 80 per week. Yeah. I had a check hang on. Yeah. Cash flow. Maximizing super contributions. Yes. And yes. Sorry. So I did have a chat with our payroll. Are you? Well, the payroll person in the office, and she advised that my current contributions already maxed out the threshold limit, is it? I'm not sure if that's the correct term, but Yeah. For the concessional cap. That's correct. yes. Yes. Yeah. So that's what I've factored into the advice because I mentioned I had to do it a little bit differently this time. Mhmm. When we looked at your last twelve months, there was about 25,000 had gone in from your employer. But Mhmm. you were Mhmm. talking to me about, like, your your base salary of about 230,000 and Yes. a full package of $2.50, which included bonuses and everything like that. So what my my strategy essentially was is that when we get to the end of financial year, rather than doing any salary sacrifice or anything like that, is we'll just actually double check what's going in from the employer If they Mhmm. have maxed out the new cap, which has increased to 32,500, then we I won't see. do anything. But Yep. if there is a little bit of a leeway, we could just do an end of financial year contribution just to top it up to the maximum. Yeah. Yeah. Would Okay. that be okay? Yeah.","start_word":411,"end_word":801,"sentiment":"neutral","sentiment_score":0.02721960660632309},{"text":"That's Perfect.","start_word":802,"end_word":803,"sentiment":"positive","sentiment_score":0.5683349967002869},{"text":"I think it's just the same strategy that I do with my father-in-law. He's out in the mines, fine. and he earns about Okay. the same. And I Alright. basically tell him, mate, your your income's going up and down so much. Let's not do any salary sacrifice. And then every June, I sit down with the family and go through some contribution ideas with them Yeah. just before tax season. Okay.","start_word":804,"end_word":875,"sentiment":"neutral","sentiment_score":0.11952422559261322},{"text":"Perfect.","start_word":876,"end_word":876,"sentiment":"positive","sentiment_score":0.3895524740219116},{"text":"So what I'm basically gonna do is I'll flag on your profile for that quarterly contact. But then in May, the team will reach out to you just to have a quick chat with me. And if there is anything to do at end financial year, I'll make sure that we start that conversation at the end of May so that we've got about a month's leeway in case we Yeah. need to do any transactions. So that won't kick in until next year. Yeah. Pretty much. So let it run for the financial year so far, see how it actually goes and plays out in reality. And then if there is room, then we can look at a small contribution. I think I was Mhmm. only looking at maybe 2,500 this financial year because I was thinking that you were gonna hit 30,000 based on your your income. Yeah. I'm not sure what the numbers are at the moment. But anyway.","start_word":877,"end_word":1038,"sentiment":"neutral","sentiment_score":0.0873577743768692},{"text":"Fantastic.","start_word":1039,"end_word":1039,"sentiment":"positive","sentiment_score":0.4577329754829407},{"text":"So, again, there might be a bit of a leeway with the increased cap at the moment. I'm not banking on it for the retirement, but at least the option's there as well. Mhmm. Okay. Cool. If you go down a little bit past there, I have put in for a limited scope. Just a reminder to make sure that we've got the will and the power of attorney in place, but the beneficiary nominations were already in line with with what you wanted. Yeah. Do I actually need to have a wheel or You don't need to have one. or It's just power recommended. of time? Alright. Power of attorney is probably the one I would advise the most because, obviously, if you're in hospital, can't act on your own behalf. It just allows it much easier for someone to access bank accounts and talk to the doctors, which normally they default to a spouse, but this just puts it in legal writing. Yeah. They're not a necessity, but I do recommend them. K? If nothing else, I know the the Australia Post offers will kits and power of attorney kits for about $25 each, government approved. Okay. They're very basic, but at least they help people get something in place. Yeah. Yeah. Okay.","start_word":1040,"end_word":1254,"sentiment":"neutral","sentiment_score":0.09414782479058864},{"text":"Good to know.","start_word":1255,"end_word":1257,"sentiment":"positive","sentiment_score":0.4119889736175537},{"text":"I might actually I might actually put that together. Yeah. Yeah. Have a look. If you got any questions, just give us a bell. I'll check on it at the next conversation anyway. Mhmm. But, look, I know there's usually a barrier. Not everyone wants to go and sit down with a solicitor for four and a half thousand dollars to draw up paperwork Yes. if it's not necessary, but there are options out there. Okay.","start_word":1258,"end_word":1333,"sentiment":"neutral","sentiment_score":-0.013848042115569116},{"text":"Perfect.","start_word":1334,"end_word":1334,"sentiment":"positive","sentiment_score":0.36771512031555176},{"text":"Alright. Now if you go down past there, so this advice was just focused on reviewing the super and the contribution options. We're Mhmm. not giving you advice when it comes to debt management in terms of purchasing property, paying off property, and the like. That's something Mhmm. that you seem to be pretty capable of managing personally. But, again, we can talk about it at any time as well. I think we're fine for now. Yep. Absolutely. If you go down past there, page six will have a limited advice warning, which, again, we're not covering everything under the sun. And if any details we have are are not accurate, that may impact the figures. Yep. Understood.","start_word":1335,"end_word":1452,"sentiment":"neutral","sentiment_score":-0.0412651662541143},{"text":"Cool.","start_word":1453,"end_word":1453,"sentiment":"positive","sentiment_score":0.5588650703430176},{"text":"The next two pages about you section and your assets and liabilities, I just wanna make sure that's pretty accurate. I know I just put down in terms of savings, you were able to commit to maybe 75 a week for the contributions. Civil engineer, total package of $2.50. We've got the home, two cars, and your shares is the main asset Yes. that we have noted down. Yep.","start_word":1454,"end_word":1522,"sentiment":"neutral","sentiment_score":0.10104800760746002},{"text":"Perfect.","start_word":1523,"end_word":1523,"sentiment":"positive","sentiment_score":0.5204505920410156},{"text":"Well, with the savings, I mean, everything just goes to the loan account, and we just draw down from it. Yeah. We just take out from the offset account, but, yeah, all our income that just goes to the offset account straight away. Yep.","start_word":1524,"end_word":1567,"sentiment":"neutral","sentiment_score":0.11697108298540115},{"text":"Perfect. Perfect.","start_word":1568,"end_word":1569,"sentiment":"positive","sentiment_score":0.5466557741165161},{"text":"I've got your hub 24 listed in there. So when I last spoke to you, I think it was sitting at $485,000. Couple of weeks later, Mhmm. the market's bottomed out at $4.65, and then it's bounced Right. back up to about $5.00 8 as of today. The $5.00 4 listed in this document is just when we completed the research. I see. Okay. K. So a bit of a nice bounce back, bit of volatility to to sort of go through. After that, I've got your risk profile listed as growth, which is that kind of four out of five on the risk scale. You were talking to me about not wanting to go high risk with it, but, again, primarily focusing on capital growth. Mhmm. K. So if you go down past there, you'll see a bit of an exploded pie chart. It gives you an idea of what a growth portfolio looks like, but I'll run through the figures with you Mhmm. in a Yep. moment. If you can just look at the strategy recommendations page on eleven and twelve, it is quite text heavy, but just let me know when you can see that. Eleven, twelve. So the first heading is strategy recommendations. 12 has a bit of a table with advantages and disadvantages on it. Alright. Can you see that heading there okay, Carla? Yeah. Yeah. I'm just reading through this. Scanning through it. So I'll give you a bit of a a summary for it. Yeah. If you could, please. So what we're essentially doing is we identified one investment in particular that was underperforming, which was the Ben Long Australian shares. The rest of Yeah. the portfolio was doing pretty good, but we have had some updated information from the governments and the investment committee about one other investment as well that I'm looking to change. Now what we're essentially doing is we're switching a couple of investments, and I'm recommending that we do a rebalance where Okay. if we recommend eight investments for you, over time, some of them grow, some of them grow at different rates, and a rebalance basically just brings everything back in line with the weightings that we recommended.","start_word":1570,"end_word":1940,"sentiment":"neutral","sentiment_score":0.0669580980372236},{"text":"So a switch of two and a rebalance of the rest, what that essentially does is it shows up the performance over one, three, and five years. It does have Mhmm. a much better fee impact. So the investments that we're switching out are more affordable, the ones that you currently have.","start_word":1941,"end_word":1992,"sentiment":"positive","sentiment_score":0.4648306369781494},{"text":"We have factored in a bit of capital gains tax that happened inside the super, but I'll show you that figure in a moment. If you go on the next page sorry. Before you do that, we've included the usual ten year projection to show the impact of the recommendations, but we're not doing a full retirement analysis because, again, nineteen to twenty years, we can't accurately predict what that's gonna Yep. look like because so many variables and changes in life. But as you get closer and closer, we will refine that. And within those last ten years, we'll start to do a retirement analysis just to show how long the funds are lasting and how you're tracking for that goal. Yeah. Okay? In terms of advantages and disadvantages, same thing. Performance and fee improvements is what we're aiming for. We factored in $1,072.97 of capital gains tax inside the super, and that's from the buying and the selling of those options to rebalance everything. So I've put that into the projections as well. Is it Just as on a which page are you looking so the photo would have page 12, and it's an advantages and disadvantages table. at? Yep. Okay. And see on the right hand side for the disadvantages, we have brokerage fees highlighted. So the investments that we use for your super are ETFs. So you pay a little bit of brokerage upfront to purchase them, but then they're the kind of lowest fee investments going forward after you purchase them. So we factored in that 0.11% of brokerage fee, and then the second paragraph, factoring in the capital gains tax of switching the investments. K? So that's 1,000 Now in the $72.97. 70 It 2. does change daily as some options go up and down. That does fluctuate constantly, but the snapshot that we did when we did the research, it worked out to be about that. Mhmm. Okay. Now if you go down, the next page will have the usual warnings about, of course, market risk, not able to predict investment performance and so on, and that the capital gains tax figures do calculate daily. So it depends on when the switch actually goes ahead. Yep. Alternatives, we did look at the current portfolio and a couple of more up to date ones where I was looking at a full overhaul, and that was going to come out to be about 2,700 in capital gains tax to sell everything and rebuild your portfolio from scratch. It didn't really come out to be that good in terms of fees and performance, so I didn't recommend anything drastic. Again, it's just two options switched out and a rebalance of the portfolio. Hello? So if you go down, here we get to the figures. You should see on page 14 a blue table for the investments, and there's a whole bunch of different red highlighted figures for the investments that we're changing. So the main ones to point out here is if you look at the top row, beta shares of Strathclyde Bank Hybrids, BHYB, that one Yep. we're recommending you sell out of completely. Yep. Reason being is the government is actually phasing out bank hybrids as an investment vehicle. And over the next couple of years, that will no longer be an investment option. So Mhmm. we're looking at the bottom to put it into an iShares bond ETF called IAF. Pretty similar in terms of fees and performance, and that's kind of your defensive portion. Yep. The main switch out, so there's a rebalancing of your So agriculture what's the difference share. between that and the next row? Because that's beta shares as well. Yeah. So BetaShares is one of the companies. BetaShares, Okay. BlackRock, Vanguard, they're the sort of fund managers, if you Okay. will. The next row is just agricultural shares. Okay. I see. They're Yeah. not Okay. term deposits or bonds. It's a different option altogether. The API code is food on that one, so nice and easy. Mhmm. We're just rebalancing that back to the original 7%. And the same thing with gold as well.","start_word":1993,"end_word":2688,"sentiment":"neutral","sentiment_score":0.005909382033793406},{"text":"It's performed very, very well.","start_word":2689,"end_word":2693,"sentiment":"positive","sentiment_score":0.45639050006866455},{"text":"It's had a bit of a pullback after the year, and we don't really recommend having more than 10% as a satellite at any one point. So as it tends to grow, we tend to just trim off a bit of the profit every now and then. Mhmm. Cybersecurity and S and P five hundred, they're pretty standard shares for you. S and P 500 is your core international shares. That's Okay. been Uh-huh. doing very well. The RAFI Australia 200, that's your Australian shares or a portion of them. That one's been doing well too. It's that Benelon option afterwards that I'm wanting to sell out of. For a few years now, isn't it? Yeah. So I've found a like for like replacement at the bottom, which is Alfiniti. Mhmm. Now Alfiniti is a similar style of active Australian shares, but it's about 10% less expensive for fees, and the performance over one, three, five, and ten years is all far stronger.","start_word":2694,"end_word":2856,"sentiment":"neutral","sentiment_score":0.008628852665424347},{"text":"This one's actually outperformed the Australian stock market over those periods as well.","start_word":2857,"end_word":2869,"sentiment":"positive","sentiment_score":0.424701988697052},{"text":"So it's a bit of a an engine tune up is how I would describe it. Mhmm. Okay. K. So, again, two switch outs for the bank hybrids that are being phased out and Benelon, which has been underperforming, and the rest will be rebalanced. Yep. K. If you go past there, we do just have your cash table because hub twenty four runs 1.25% cash in your internal bank account. So I factored that in as well. Mhmm. The three tables I really wanted to show you to sort of cap off why we're doing this is page 16 has your asset allocation pie chart, nice colorful one there. Mhmm. The middle row, growth total. So when you're in that growth risk profile, we're kind of bouncing between 80 to 90% growth assets. Anything above 90 would be high growth or high risk. So you're currently sitting at about 88. With the rebalance, you go to about 87, still within that range of Mhmm. the growth risk profile. See comparison table on the next page. So what I've done is, again, factored in that capital gains tax and the contributions that I was looking at just to bring you up to the cap. And I've included at the bottom of that table the five year rolling average performance difference between the two, but the next page has the different time periods as well for performance. Mhmm. Now if you go on to 18, we've got a bit of an updated five and ten year projection. Again, bit of grain of salt. This is just projecting forward if the markets continue to do what they were doing, which, again, the switch out of the investments and the rebalance with any kind of top up of contributions to make sure you are hitting the cap, that should get you about another 50 to 150,000 over the next five to ten years. And then yeah. Okay. Yep. Now one, three, and five years listed below. I think the main thing I wanted to point out here in the performance side by side where it says annualized investment returns, June 30, is we're just trying to bring all time periods back up into the double digit space. Normally, with a growth portfolio, your kind of benchmark is nine to 10%.","start_word":2870,"end_word":3256,"sentiment":"neutral","sentiment_score":0.13965166221524394},{"text":"If we can consistently keep getting that kind of 11 to 15, that's gonna get you that buffer for the retirement goal.","start_word":3257,"end_word":3278,"sentiment":"positive","sentiment_score":0.5985528230667114},{"text":"K? Outside Yep. of that, that pretty much caps off the recommendations outside of the contributions where I go into a little bit more depth about things to watch out for when it comes to contributions. But do you have any questions on the portfolio side of things at this point? Sorry. I I don't know if I'm understanding this correctly. So I'm I'm just probably need to put need you to explain this to me a bit more Yeah. simpler. But so as I understand it, my contribution, say, for this year or in the recent years would be around 25,000 or more. Correct? Yes. And the increase in my balance is it looks like it's only increased by about the same amount or less. Is that correct? Like, where's So my balance? Is there a comparison between my balance last year versus this year? Oh, yes. So the last year versus this year is in a annual review report Alright. separately. So this one is just a forward looking advice Okay. piece about what you we think you should do going forward. Is the figure I do not in this report? correct. So we've Yeah. got the balance based on when we figured it out. But Uh-huh. twelve months ago, it was sorry, just bear with me for a moment, four sixty, and 4 you're at 60. $5.00 8 today. I see. I thought you mentioned $4.85. Oh, yes. Sorry. $4.85 was when we last spoke in March right in the In middle of that March. market I see. downturn. Yeah. Okay. Yep. So Alright. twelve months ago, April. 03/04/1985. Currently, 05/2008. I see. Okay. Okay. That Cool. sounds And a bit sorry. better It also than yeah. It does. because I was I thought it was 45 last year, which suggests that I'm actually not it's not actually increasing. It's only increasing by, yeah, actually, we're losing Just money the contribution here. amount. Yeah. No. A 100%. If you were negative, I would definitely have to tell you that, Yeah. and then we'd be having conversation about do we change anything? Do we reduce risk? What do we do? Yeah. Yeah.","start_word":3279,"end_word":3642,"sentiment":"neutral","sentiment_score":-0.00751010154803785},{"text":"Again, there's gonna be a negative every seven years when the market crashes.","start_word":3643,"end_word":3655,"sentiment":"negative","sentiment_score":-0.386116623878479},{"text":"That's fair enough, but we need to compare and make sure is it behaving as we would expect in that scenario and what to do going forward. When it Yep. comes to the contributions, please also remember as well that your employer contributions get taxed at 15%. So that's the concessional rate as opposed to your marginal rate. So whatever Yeah. goes in there, 25, 30, it will be 15% less that gets invested. Okay. I see. There is one other Yep. contribution point that I really need to let you know of as well. Just out of curiosity, Kala, have you managed to do your tax return this year? I was told yes, but it's been sent direct to the ATO. I haven't oh, sorry. Tax return, not not my not my employer. No. I haven't got the tax return No. That's okay. So if you can go down on the next pages for me, I wanna kinda just break this down yet. a little bit for you because I believe this might be the first year that you've experienced division two nine three in your tax return. Did you remember getting, like, a liability letter last year? I did. I was, yeah, I was wondering about that. Yeah. So I've given you a bit of a table here which breaks it down pretty well. I'd Please forgive me for the amount of figures in the table, but on page 19, I've got a bit of a income and contributions table. Gives you a Uh-huh. bit of an estimate if you can see it. Yes. Yep. So let's say you do earn 250,000. Anybody Mhmm. whose income and contributions combined are above $2.50 falls into a division two nine three category where they have a bit of a formula that calculates contributions above $2.50. They cop an extra 15% tax rate. Oh Yeah. So instead of, like, my you're getting taxed at 47%, the highest marginal rate, instead gosh. of getting your 15, they lump another 15 on top to a portion Okay. of them, not all of them. Alright. So what I've sort of analyzed for you is that if you look at the second last row of the top section of the table, I've put in division two nine three tax. I have estimated it at 4,500. Yep. That's essentially that extra 15% of a portion of the contribution. Now let's say you ended the year with 30,000 of contributions and you put an extra 2 and a half in at the end of financial year. Yes. It wouldn't actually increase your division two nine three liability based on the old pay calculator. But, basically, what happens is this is something that rather than the tax getting taken out of your super account along with your contributions, this comes at tax time. So you do your Alright. tax return. The government says you fall into this category. Please pay $4,500, and then you have the option to either pay that personally through the tax return or elect to release some funds from super to pay for that liability. So Okay. you still do get about a 17% benefit on those higher contributions. It's just not that full Yeah. full tax deduction like you were getting, but it's just done separately, not through the super. It's done in your tax return. Yeah. So I hope that makes a bit of sense, but as long as you keep earning what you are, you will continue to get that on a yearly basis just like my father-in-law and a number of clients that we have. And, again, you either pay it personally or release some funds from super. It's And kind of a bit different than breaching your cap. which way is better again? Either one, to be honest. If you release Okay. a bit of funds out of super, that'll pay for it, but, obviously, a little bit comes out of the super funds, so a little Yeah. bit less invested. But then do you have do you want the rest taken out of your tax returns? So if you were gonna get $6 back, you only get 1,500. It's really up to you, your preference at that point. Yep. Okay. Okay. I just wanted to make you aware that whenever I factor in, like you said, the contributions and caps, you will continue to fall into that category, so I have to factor that in. But then Mhmm. again, as they increase the cap, we still wanna maximize it as best we can because you still do get a benefit. It's just not as big as when you were on, say, a 150,000. Yeah. Okay. K? Cool. Does that make sense? Yes.","start_word":3656,"end_word":4449,"sentiment":"neutral","sentiment_score":0.035830916117839236},{"text":"It's not the most fun thing in the world, and I think it's a bit of a a slap in the face because I think high income owners in Australia probably get the worst tax outcome.","start_word":4450,"end_word":4485,"sentiment":"negative","sentiment_score":-0.5908222198486328},{"text":"Yeah. And I don't I think don't think I would it's call high you income, the Uber but rich. Exactly. We we can't call you the 1%, Carlo. You have to pay your fare. Yeah? I don't know about being the 1% that doesn't feel high to me. No. I remember my father-in-law saying the same thing. He goes, oh, you know, I earned $2.50 this year, and I think he paid, like, 80 something thousand dollars in tax. He just went, man, I can almost fund the village at this point. I should build my own town. Yeah. Alright. Cool. It's That pretty much caps everything off. So alright. the rest of the document is just the the will and the power of attorney information, just Mhmm. a bit of general information. We've got the services and fees at the bottom from Oakview Mhmm. and how we implement the advice, which is essentially if you authorize this document with a signature, we can switch your investments online. And then once it comes to end of financial year, I'll put in for a bit of a phone call just to see if we wanna do some extra contributions before the end of financial year. Yeah. Okay. If we do that, we'll help you through the claim paperwork, which is just a a notice of intent to claim form. We'll help prefill all of that as well. Mhmm. Cool. Okay. Do you have any Yeah.","start_word":4486,"end_word":4729,"sentiment":"neutral","sentiment_score":-0.016327569261193275},{"text":"questions Sounds for good.","start_word":4730,"end_word":4733,"sentiment":"positive","sentiment_score":0.34076014161109924},{"text":"me so far? No. No. I think I got that. And I will read the rest of this a bit later. No worries. Okay. Now just bear in mind, we won't move anything until you authorize. Please come back with any questions if you do have any. We've also included an appendix with additional research and some updated product disclosure documents, which is, again, Hub 24. Their PDFs investment menu, it's a couple of thousand pages of whatever you would like to know about Hub twenty four and all of the options they have. And there's an updated service guide for you as well. So have Mhmm. a read through. You don't have to scroll through all of those documents because it is a couple of thousand pages. You can just click next document, and it will bring you across. Yep. So to K. authorize, do I just sign this document? Yeah. The only signature on there is for the advice document, the authority Yep. to proceed. That should be the only one Mhmm. and a date.","start_word":4734,"end_word":4910,"sentiment":"neutral","sentiment_score":0.1574626266956329},{"text":"If you're happy with everything, give that a sign. We'll get that back and implement it.","start_word":4911,"end_word":4926,"sentiment":"positive","sentiment_score":0.3712209463119507},{"text":"If you have any questions, just email the team or give us a call. And just bear in mind, the advice documents do have, like, a a thirty to sixty day expiry in case you do have a change in circumstances as well. Okay. Understood.","start_word":4927,"end_word":4971,"sentiment":"neutral","sentiment_score":0.1066598743200302},{"text":"Perfect.","start_word":4972,"end_word":4972,"sentiment":"positive","sentiment_score":0.4353812038898468},{"text":"Alright. Well, look, I'm authorizing that. And this is you. Right? Tommy Thomas? Yes. So full Croatian legal name, Tomislav Okay. Bukovic. As as registered with ASIC, adviser Alright. one two seven three one zero five. That is me. Okay. Alright. And from here too, Carlo, I was penciling in for your annual review when it comes due and that conversation for end of financial year. We were talking about possibly having, like, a quarterly catch up just to see how the portfolio is going. Mhmm. Do you Yeah. still wanna do a quarterly catch up, six monthly? What would be your preference? Look. Six monthly is yeah. Six monthly is fine. Okay. I think that's what what it was before, isn't it? Six monthly. Yeah. So I could put possibly put in for another conversation just before the end of the year if that helps. Yeah. I think it's just that I felt like the the there may have been one or two that was missed. That was that's why I asked for more frequent catch Yep. ups. And I I I can't recall, to be honest, if it was me who canceled the call or or if, you know, I just missed the call. But it felt like it it was a period where I wasn't getting any updates for a while. Yeah. Absolutely. Otherwise, I'm fine with six months as long as it actually happens. And if I Yeah. cancel the call, maybe just call me back again and try try again. Yeah. Yeah. I'll make sure that what we normally do is there'll be a call, Yeah. text, and email if we miss anything. Yeah. Yeah. Yeah. I know Christmas time, there's a lot of people wanting to have a chat about before the end of the year because the market's gone so terribly in March. So I do have a number of clients lined up for November, December, and I will absolutely endeavor to pencil you in for a catch up. And at the very least, just send you a bit of an email report so you've got it there as well. Yeah. And I've saved the number now anyway, so it comes up as o p. That's why I'm I was thinking I may have canceled on the call previously because it just comes up as some number or even yeah. What do you call this? Telemarketer? Oh, yeah. And it's not Yeah. my strong suit because we do have that one three hundred numbers for people to call in. But because we use digital phone software, I'm not sure whether I actually came up as, like, a mobile number through the digital system or not. I'm not really the best with that. But I appreciate you saving the number. But Yeah. if I always miss you, I will always send a text message straight afterwards just to let you know that it was me. Okay. No.","start_word":4973,"end_word":5465,"sentiment":"neutral","sentiment_score":0.004522035461349855},{"text":"That's that's good. Thank you.","start_word":5466,"end_word":5470,"sentiment":"positive","sentiment_score":0.483002245426178},{"text":"No worries at all. Is there anything else I can help you with today before I let you enjoy the rest of your No. week?","start_word":5471,"end_word":5495,"sentiment":"neutral","sentiment_score":0.27332377195358276},{"text":"That's all good. Thank you very much. Well, Carlo, fingers crossed, the the world settles down a little bit, and we have a good conversation at Christmas time that everyone's Yeah. winning.","start_word":5496,"end_word":5527,"sentiment":"positive","sentiment_score":0.4979853630065918},{"text":"If not, I will go through what's been happening, what the options are, and look forward to chatting to you again soon. Okay. No.","start_word":5528,"end_word":5551,"sentiment":"neutral","sentiment_score":0.23059406876564023},{"text":"Thank you. Alright. Amazing color. Have a great day. You too. Bye. Thank you. Bye.","start_word":5552,"end_word":5566,"sentiment":"positive","sentiment_score":0.5417319536209106}],"average":{"sentiment":"neutral","sentiment_score":0.06371457399389632}}}}