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I had you booked in just to go through your updated statement of advice to look at the changes to your investments. Is now still a good time? Oh, fantastic. And you're still off this week. How's everything going? Yeah. Oh, lovely. And everything's oh, and everything's healing really well. You're getting back on your feet slowly. Yeah. Oh, we'll cross our fingers there for you. All good. I have to send you through an email with the statement of advice. So are you able to jump into your emails just to have a look at that one with me? Fantastic. And just while that is coming through, I'll just do a quick security check there with you. And just to confirm, we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic. And I'll just get you to confirm your full name, your date of birth, and address I should have on file there. Beautiful. Thank you so much for that. Hopefully, the email pops through to you fairly quickly. You never know with technology. Oh, good. Excellent. So when you open the email there, it does have a little button that says to sign. You can just press that button to go forward the same as you did with the annual review documents just so you can view the documents there. I'll never ask you to sign anything you haven't read, and after the call, you'll be able to go back and have a really good read of the email prior to you signing and taking the advice. Okay? Excellent. So on the front page there, it will note prepared for yourself with your name as of the 07/20/2026. So we date it for the date of the presentation just so you have sixty days to take on the advice. All of that advice is valid for sixty days after the call. Okay? On the bottom page, it has my authorized representative information. So I'm a licensed financial adviser. I'm registered through, and my registration number is 1304394. With regards to the advice we're looking at is simply sorry. Simply just so far. So it is about looking at, you know, what you have in your super fund, how you are invested there, and making sure that you are working towards your goal. You were hoping to obviously retire around about the age of 60. Target income was about $1,500 per week in retirement. You are still young and have a lot of time in your side, so that could absolutely change down the track. So this is what we're tracking forward at the moment there. So we have we'll had a look at your super fund as well as, you know, how you are invested just to make sure that things are working harder for you and making any changes that we need to. Okay? With the limited scoping side of things, so page number four, we have it scoped into a limited scope just your insurances. So you have life and TP that are paid out of your super fund. You were happy with the policy that you do have, not wanting to make any changes to that. Yep. The the oh, the beneficiary. Sorry. Yes. My apologies. I've met lots of beneficiary nominations. You can. You can absolutely just do that. Yeah. Yeah. Yeah. That's absolutely fine. It's not a problem at all. That's I'm sorry for that confusion there. So, yeah, we've no. You're fine, honestly. So with the insurances, we're not making any changes, though, but we are scoping them into a limited basis. That's essentially saying that we understand you have the policy, that because they are paid out of super, there is an effect on your retirement income because these premiums do get more expensive as time goes on. So it does have an effect on how much you will end up in retirement. So we do review that with you on a regular basis as part of the annual review, but with regards to the advice that we're not making any changes, but they have been factored into the projected outcome for you. Okay? And then areas that we're not looking at, personal investments, you were thinking about looking for ways to be able to retire earlier down the track. It was something you were gonna be wanting to discuss with your wife down there as well. I'm scoping out any personal investments at the moment. If you decide you would like to come back and have that conversation, let me know. Absolutely happy to help you in those areas. And then also cash flow and budgeting. You're also looking to try and do your new kitchen at some point. I didn't really wanna be accessing the funds in your offset account. Yes. But it is on the list of things to do. So I've scoped out areas of cash flow and budgeting with regards to that at the moment. I've scoped out trauma as well. So you do have your life and TPD paid out of super, and you do have your income protection policy through Union. We did discuss additional trauma policies like trauma and child trauma paid out of pocket. You didn't wanna look at getting any additional insurances at the time. However, if down the track you do wanna have more of a conversation, look at any additional covers, let me know. I'm more than happy to help you and look at providing additional advice in those areas for you. Okay? And then also with regards to your mortgage, you are paying that down. You are hoping to have that paid off by the time you hit retirement there. We're not providing any advice on the draw of the paying down of the mortgages. If you did wanna speak to a mortgage broker and have that reviewed or look at getting additional advice in those areas, let me know. So the areas of scoping out is just where we're not providing advice at the moment. However, down the track, if you did want additional services or advice, just let us know. Okay? Excellent. Now to make this one a little bit easier for you, I'll take you through just the sections that we do need to go through, and then I'll let you go back and have a bit of a read through the document. We do outline all the recommendations in a bit of detail there. But if you head down to page number 20 for you for me. Sorry. This has got the heading fantastic. So you can see all the different buyers and sales investments, which is that we're looking at. So what I did do is I did go back and have a look at Hub twenty four as a super platform. Have had a look at it. There's no real changes that needs to be made with the platform itself. So I'm recommending we do retain the platform within Hub twenty four. However, we did sort of talk about some of your investments being underperforming, and we do wanna look at maybe updating the portfolio to reflect changes in the market conditions, but also a portfolio that's showing greater past performance, which can have a much greater effect on your super down the track. So the changes that we are looking at making here, we are gonna sell off all the Global X battery and lithium tech. We are gonna remove the Ben along Australian equities. That is the investment we discussed has been underperforming there with the the issues they have with the corporate traveler investment. We're also looking at removing the bank hybrids for you. So bank hybrids are more of a compact kind of defensive investment, but they are being phased out by the government in the next couple of years. So it is worthwhile removing those from your portfolio now. I'm also the then along Australian equities, I'll show you the the CGT shortly if you like. I'll just go through this, and, yeah, you're right. I'm also removing the China new economy there as well. So, essentially, China hasn't really come out of COVID the way it has. It has been quite a lot of ups and downs to China, so we are looking to remove them from your portfolio as well. Haven't quite performed the way we wanted them to. With physical gold there at the moment has been really good. It's worth retaining in your portfolio, but you are a bit overexposed. So we're just reducing it back a little bit to 7%. We're keeping it there, so we're just cementing some of the gains that that has been and redistributing those across your portfolio there. We're also looking at the cybersecurity. You do have that. It has been down a little bit this year with the major sell off in the sort of IT and cybersecurity side of things. It is still a good investment to have. So I do wanna retain that in your portfolio. Again, you've got about 8% in there at the moment. We just wanna hold about seven total, so we're just gonna reduce that back a little bit for you. With the S and P 500, we do wanna keep exposure into, The US market, so we are keeping that in your portfolio. You do have about 33% there at the moment, so just reducing that back to 25 for you. Again, it's just about making sure we're keeping you within the risk level and cementing gains where we need to as well with the Van Dyck Australian property. So with that one, their property has had a bit of a pullback. It is also having a bit of a pullback at the moment, so we are looking to remove that one investment out of your portfolio. And then you No. Definitely not. And then the RAFT a 200 there as well. So that investment is still good. I do wanna keep exposure into the Australian market. So we are just gonna reduce it back to 15% there. So just a small rebalance of that portfolio of that investment. India is still a a great place of growth, so we are looking to buy into that area, giving you exposure. Healthcare, global healthcare gives you diversification because it is healthcare across the globe, so it's in the entire world. And we're gonna hold about 7% of that investment and buy in there for you. Because we're getting rid of the ban along Australian equities like we discussed last time, we still wanna hold Australian equity exposure of us. So I'm gonna invest you into the BetaShares a 200. Now this is more of a passively managed investment, but it is giving you greater diversification. So whilst it has been greater past performance, it's cheaper as an investment. It's actually giving you great diversification. Because instead of holding, say, 15 or 20 different investments within Benelon, we're giving you exposures to the top 200 companies on the ASX. So it does work out much more to your advantage, and we'll hold about 10 there. I know it is definitely we don't wanna kinda overexpose into that area. And because you have the Raffi a 200 there as well, that essentially gives you about 25 total exposure in the Australian equity market. Okay? We did also talk about holding a little bit of actively managed funds there as well. So we've got the JPMorgan Global re Global Research Enhanced Equity Fund. This one here, we wanna hold about 15% there. This essentially is introducing an actively managed global equity component through that fund. They are about 15% of the fund is actively managed. So it's a cheap investment. It's actually not that expensive to hold. Part of it is actively managed. Part of it is passively managed, and they have done very well in the past. So, you know, JPMorgan is a really good research house. They have great material, and this gives you global exposure as well. Okay? And then because we are getting rid of the bank hybrids, we still wanna have some low risk defensive investments there. So we're gonna look at core composite bonds. This is giving you exposure to bonds, both in Australia as well as overseas. We're looking at government and corporate bonds. So bonds that have been around for a long time. They do pay regular income payments, and we do want that from our defensive investments. Even at the age that you are, we're taking on more risk in the market. We still wanna have some defensive assets, have some income being produced out of the investments that gets paid into your cash account and redistributed through your portfolio for compounding effects moving forward. Okay? Excellent. If you go down to the next page there, you'll see at the moment you've got about 12,000 in cash. The accounts cash balance is a little bit high. We are going to invest about 8,000 into the portfolio. We only really wanna hold a minimum amount of cash within your super funds. So the minimum requirement is 1.25% of your balance there. So, essentially, we are gonna take a nice chunk of that and reinvest it back into the portfolio for you. Okay. Excellent. No. You're fine. If you go to page 23, this is the page you kind of wanna see. This is kinda outlining the the reasoning and the CDT and the cost side of it for you. Has it the heading fee comparison. You can see that one there, Dustin. That's exactly right. Yes. So to make all of those changes, the expected CGT on the portfolio is only $212. So that's essentially what I wanted to try and do is make the changes, put you in a portfolio that had greater past performance, which can give you greater potential future performance that minimize the CGT cost as much as possible. So, yeah, your fund is only expected to pay $212 in tax for making those changes. There's no change to the admin fees because you're staying in Hub 24. I'm not changing the platform at all. But you'll also see that the investment fees, it's expected to save you $469 for the first year on investment fees, which is a pretty good saving. Yeah. Yeah. Obviously, the ongoing service fee does continue there. That is for our services, making sure we update the advice, do reviews, and things like that for you. Your contributions are still coming out. Now one of the things and I Samantha made that call the other day. One of the things I noted when we were doing the research was with your income being slightly higher, your income your contributions going in do fluctuate a little bit as well. So there is a risk that you're gonna go over the cap for the year. So we just wanted to make sure that you had some catch up contributions from the last couple of years. It does mean that because you are expected to exceed the contributions cap this financial year, with your balance being under 500,000 as at July 30 last financial year. And you with what you sent us, you do have extra catch up space there. So there is no problem. It means that you can continue to salary sacrifice that 5% of your of your of your employment income. I will obviously just make sure I do check into your super fund every couple of months and just double check the contributions that are coming out just to make sure that it all stays within the allowable caps and things like that. That we're not eating way too much of your of your carry forward contributions that you have quite a lot. You had just under a 100 k available to you from the previous five financial years. So it shouldn't be any major problem there. We'll just maybe making sure as we move forward that we do monitor that. We obviously wanna make sure you get access to your catch up contributions as long as possible. But as soon as your balance reaches that $500,000 mark as at June 30, the following year down the track, you will actually lose lose access to those. So after that, we'll have to be very careful about your salary sacrifice. So right now, it's not a problem at all. Okay? K. You still yeah. Absolutely. So you'll see at the bottom there, the high growth portfolio that you were in, look, it hasn't been returning terrible returns. However, the newer one when we completed the research has averaged about 11.92% there on a yearly basis. So the longest it's able to get that kind of a return moving forward, you can kinda see projected over the next five to ten years. You could be in a much greater position. And, look, I'd love to see you with over a million dollars in super in the next ten years. That is just the projected so I do like to make sure you're aware. We do take projections with a grain of salt. Obviously, market conditions can vary, and you are taking on a higher level of risk in the high growth portfolio. So some years, you'll get a 20% return, 15% return, or a negative return is expected, generally, every one and every five years. So, it's just about monitoring things. We'll keep seeing how it's all going, and keep projecting it out for you every couple of years to see what's expected there. But the the fact that the portfolio that we're moving you into has over the past five years averaged about 11.92%. When you project that over the next five to ten years, you could receive close to that, and it could see your portfolio grow very, very high, especially as your contributions and your income is high as well. That does make have a difference on your super fund and does help it grow. Yeah. Yeah. All good. The only the only other thing I sort of wanted to make mention was I have included in the state planning side of things. We are updating your life beneficiary nominations. So, yeah, once you guys get that back to us, we'll have it applied. Both the nominations as per our last conversation are binding lapsing, so it does mean we just have to make sure they are updated every three years. But I'll make sure our team are aware of that, and we'll make sure we review that with you and have those updated as you need to. And then I've also included in there the recommendation to continue your salary sacrifice exactly as it is because we are aware that you will go over the cap this year depending on your income, but you do have catch up contributions. So you can look honestly, going over the cap now and utilizing those carry forward contributions is a good idea now rather than later because of the compounding effect. It's easier to sort of have a higher contribution level now and reduce that down the track because, obviously, the longer your money stays invested for, the higher the compounding effect works for you. So it is absolutely worth doing. I wanted to keep that sort of fairly brief there for you and let you go back and have a really good read of the document. But are there any questions that might have come out of that now at all? Yep. Yeah. Concessional this financial year is 32,500. You're allowed to go at the moment, it's expected that your total contributions would be about 38,000 for this year. Yeah. Yep. Yep. So yeah. But you do have carry four concessional contributions. That shouldn't be a problem. Yeah. Yeah. It's all good. No worries at all. I've got a little thing in my calendar. So every couple of months about every three to four months, I do check your Superfund to see how it is going. Just double check the balance and double check the contributions coming in. So if I feel there is an issue, I will definitely let you know. Did you wanna do a bit of a review maybe in six months' time just to do a bit of a catch up and see how things are going as well? Yeah. Yeah. We'll do it just before Christmas. That way, you've had a bit of a catch up and can enjoy your Christmas break, and then we'll do another review in twelve months there for you as well. How does that sound, Austin? Beautiful. And if you enjoy reading, depending on how much spare time you have while you're off for the next few days, Attached to the order sign, I have also got the product disclosure statements for all the products that we have recommended. We've got your MetLife insurance information there for you as well and the financial services guide. So some people do wanna have a bit of a read through that, others not so much. This depends on how much time you have on your hands and how keen you are to have a read of some compliance information. And then in the document there, I do have the best interest, the the advantages, the disadvantages, and the risks of the strategies that we have in place in the document for you to review as well. Okay? Yep. Beautiful. Yeah. Absolutely. No worries at all. There's also a the SOA attached as an attachment to your email, so you can always open it, review it at any time if you like to. Obviously, the best thing is because, obviously, with Ben along being down and some of the underperformance of the funds, having the investments which completed now is really important to kinda get it all in place. It does take a little bit of time to get the investments which completed. So, yeah, once you are happy to sign and return that back, we'll just move forward with the switch and get it all done for you nice and quickly. Okay. Easy. No worries. Well, good luck going back to work this week. I hope it all goes well for you. Legend. You have a lovely night. Thanks, Justin. 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Dustin. It's Dana from OQ Financial. How are you this afternoon? Yeah. Very well.\n\nThank you. I had you booked in just to go through your updated statement of advice to look at the changes to your investments. Is now still a good time? Oh, fantastic. And you're still off this week.\n\nHow's everything going? Yeah. Oh, lovely. And everything's oh, and everything's healing really well. You're getting back on your feet slowly.\n\nYeah. Oh, we'll cross our fingers there for you. All good. I have to send you through an email with the statement of advice. So are you able to jump into your emails just to have a look at that one with me?\n\nFantastic. And just while that is coming through, I'll just do a quick security check there with you. And just to confirm, we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic.\n\nAnd I'll just get you to confirm your full name, your date of birth, and address I should have on file there. Beautiful. Thank you so much for that. Hopefully, the email pops through to you fairly quickly. You never know with technology.\n\nOh, good. Excellent. So when you open the email there, it does have a little button that says to sign. You can just press that button to go forward the same as you did with the annual review documents just so you can view the documents there. I'll never ask you to sign anything you haven't read, and after the call, you'll be able to go back and have a really good read of the email prior to you signing and taking the advice.\n\nOkay? Excellent. So on the front page there, it will note prepared for yourself with your name as of the 07/20/2026. So we date it for the date of the presentation just so you have sixty days to take on the advice. All of that advice is valid for sixty days after the call.\n\nOkay? On the bottom page, it has my authorized representative information. So I'm a licensed financial adviser. I'm registered through, and my registration number is 1304394. With regards to the advice we're looking at is simply sorry.\n\nSimply just so far. So it is about looking at, you know, what you have in your super fund, how you are invested there, and making sure that you are working towards your goal. You were hoping to obviously retire around about the age of 60. Target income was about $1,500 per week in retirement. You are still young and have a lot of time in your side, so that could absolutely change down the track.\n\nSo this is what we're tracking forward at the moment there. So we have we'll had a look at your super fund as well as, you know, how you are invested just to make sure that things are working harder for you and making any changes that we need to. Okay? With the limited scoping side of things, so page number four, we have it scoped into a limited scope just your insurances. So you have life and TP that are paid out of your super fund.\n\nYou were happy with the policy that you do have, not wanting to make any changes to that. Yep. The the oh, the beneficiary. Sorry. Yes.\n\nMy apologies. I've met lots of beneficiary nominations. You can. You can absolutely just do that. Yeah.\n\nYeah. Yeah. That's absolutely fine. It's not a problem at all. That's I'm sorry for that confusion there.\n\nSo, yeah, we've no. You're fine, honestly. So with the insurances, we're not making any changes, though, but we are scoping them into a limited basis. That's essentially saying that we understand you have the policy, that because they are paid out of super, there is an effect on your retirement income because these premiums do get more expensive as time goes on. So it does have an effect on how much you will end up in retirement.\n\nSo we do review that with you on a regular basis as part of the annual review, but with regards to the advice that we're not making any changes, but they have been factored into the projected outcome for you. Okay? And then areas that we're not looking at, personal investments, you were thinking about looking for ways to be able to retire earlier down the track. It was something you were gonna be wanting to discuss with your wife down there as well. I'm scoping out any personal investments at the moment.\n\nIf you decide you would like to come back and have that conversation, let me know. Absolutely happy to help you in those areas. And then also cash flow and budgeting. You're also looking to try and do your new kitchen at some point. I didn't really wanna be accessing the funds in your offset account.\n\nYes. But it is on the list of things to do. So I've scoped out areas of cash flow and budgeting with regards to that at the moment. I've scoped out trauma as well. So you do have your life and TPD paid out of super, and you do have your income protection policy through Union.\n\nWe did discuss additional trauma policies like trauma and child trauma paid out of pocket. You didn't wanna look at getting any additional insurances at the time. However, if down the track you do wanna have more of a conversation, look at any additional covers, let me know. I'm more than happy to help you and look at providing additional advice in those areas for you. Okay?\n\nAnd then also with regards to your mortgage, you are paying that down. You are hoping to have that paid off by the time you hit retirement there. We're not providing any advice on the draw of the paying down of the mortgages. If you did wanna speak to a mortgage broker and have that reviewed or look at getting additional advice in those areas, let me know. So the areas of scoping out is just where we're not providing advice at the moment.\n\nHowever, down the track, if you did want additional services or advice, just let us know. Okay? Excellent. Now to make this one a little bit easier for you, I'll take you through just the sections that we do need to go through, and then I'll let you go back and have a bit of a read through the document. We do outline all the recommendations in a bit of detail there.\n\nBut if you head down to page number 20 for you for me. Sorry. This has got the heading fantastic. So you can see all the different buyers and sales investments, which is that we're looking at. So what I did do is I did go back and have a look at Hub twenty four as a super platform.\n\nHave had a look at it. There's no real changes that needs to be made with the platform itself. So I'm recommending we do retain the platform within Hub twenty four. However, we did sort of talk about some of your investments being underperforming, and we do wanna look at maybe updating the portfolio to reflect changes in the market conditions, but also a portfolio that's showing greater past performance, which can have a much greater effect on your super down the track. So the changes that we are looking at making here, we are gonna sell off all the Global X battery and lithium tech.\n\nWe are gonna remove the Ben along Australian equities. That is the investment we discussed has been underperforming there with the the issues they have with the corporate traveler investment. We're also looking at removing the bank hybrids for you. So bank hybrids are more of a compact kind of defensive investment, but they are being phased out by the government in the next couple of years. So it is worthwhile removing those from your portfolio now.\n\nI'm also the then along Australian equities, I'll show you the the CGT shortly if you like. I'll just go through this, and, yeah, you're right. I'm also removing the China new economy there as well. So, essentially, China hasn't really come out of COVID the way it has. It has been quite a lot of ups and downs to China, so we are looking to remove them from your portfolio as well.\n\nHaven't quite performed the way we wanted them to. With physical gold there at the moment has been really good. It's worth retaining in your portfolio, but you are a bit overexposed. So we're just reducing it back a little bit to 7%. We're keeping it there, so we're just cementing some of the gains that that has been and redistributing those across your portfolio there.\n\nWe're also looking at the cybersecurity. You do have that. It has been down a little bit this year with the major sell off in the sort of IT and cybersecurity side of things. It is still a good investment to have. So I do wanna retain that in your portfolio.\n\nAgain, you've got about 8% in there at the moment. We just wanna hold about seven total, so we're just gonna reduce that back a little bit for you. With the S and P 500, we do wanna keep exposure into, The US market, so we are keeping that in your portfolio. You do have about 33% there at the moment, so just reducing that back to 25 for you. Again, it's just about making sure we're keeping you within the risk level and cementing gains where we need to as well with the Van Dyck Australian property.\n\nSo with that one, their property has had a bit of a pullback. It is also having a bit of a pullback at the moment, so we are looking to remove that one investment out of your portfolio. And then you No. Definitely not. And then the RAFT a 200 there as well.\n\nSo that investment is still good. I do wanna keep exposure into the Australian market. So we are just gonna reduce it back to 15% there. So just a small rebalance of that portfolio of that investment. India is still a a great place of growth, so we are looking to buy into that area, giving you exposure.\n\nHealthcare, global healthcare gives you diversification because it is healthcare across the globe, so it's in the entire world. And we're gonna hold about 7% of that investment and buy in there for you. Because we're getting rid of the ban along Australian equities like we discussed last time, we still wanna hold Australian equity exposure of us. So I'm gonna invest you into the BetaShares a 200. Now this is more of a passively managed investment, but it is giving you greater diversification.\n\nSo whilst it has been greater past performance, it's cheaper as an investment. It's actually giving you great diversification. Because instead of holding, say, 15 or 20 different investments within Benelon, we're giving you exposures to the top 200 companies on the ASX. So it does work out much more to your advantage, and we'll hold about 10 there. I know it is definitely we don't wanna kinda overexpose into that area.\n\nAnd because you have the Raffi a 200 there as well, that essentially gives you about 25 total exposure in the Australian equity market. Okay? We did also talk about holding a little bit of actively managed funds there as well. So we've got the JPMorgan Global re Global Research Enhanced Equity Fund. This one here, we wanna hold about 15% there.\n\nThis essentially is introducing an actively managed global equity component through that fund. They are about 15% of the fund is actively managed. So it's a cheap investment. It's actually not that expensive to hold. Part of it is actively managed.\n\nPart of it is passively managed, and they have done very well in the past. So, you know, JPMorgan is a really good research house. They have great material, and this gives you global exposure as well. Okay? And then because we are getting rid of the bank hybrids, we still wanna have some low risk defensive investments there.\n\nSo we're gonna look at core composite bonds. This is giving you exposure to bonds, both in Australia as well as overseas. We're looking at government and corporate bonds. So bonds that have been around for a long time. They do pay regular income payments, and we do want that from our defensive investments.\n\nEven at the age that you are, we're taking on more risk in the market. We still wanna have some defensive assets, have some income being produced out of the investments that gets paid into your cash account and redistributed through your portfolio for compounding effects moving forward. Okay? Excellent. If you go down to the next page there, you'll see at the moment you've got about 12,000 in cash.\n\nThe accounts cash balance is a little bit high. We are going to invest about 8,000 into the portfolio. We only really wanna hold a minimum amount of cash within your super funds. So the minimum requirement is 1.25% of your balance there. So, essentially, we are gonna take a nice chunk of that and reinvest it back into the portfolio for you.\n\nOkay. Excellent. No. You're fine. If you go to page 23, this is the page you kind of wanna see.\n\nThis is kinda outlining the the reasoning and the CDT and the cost side of it for you. Has it the heading fee comparison. You can see that one there, Dustin. That's exactly right. Yes.\n\nSo to make all of those changes, the expected CGT on the portfolio is only $212. So that's essentially what I wanted to try and do is make the changes, put you in a portfolio that had greater past performance, which can give you greater potential future performance that minimize the CGT cost as much as possible. So, yeah, your fund is only expected to pay $212 in tax for making those changes. There's no change to the admin fees because you're staying in Hub 24. I'm not changing the platform at all.\n\nBut you'll also see that the investment fees, it's expected to save you $469 for the first year on investment fees, which is a pretty good saving. Yeah. Yeah. Obviously, the ongoing service fee does continue there. That is for our services, making sure we update the advice, do reviews, and things like that for you.\n\nYour contributions are still coming out. Now one of the things and I Samantha made that call the other day. One of the things I noted when we were doing the research was with your income being slightly higher, your income your contributions going in do fluctuate a little bit as well. So there is a risk that you're gonna go over the cap for the year. So we just wanted to make sure that you had some catch up contributions from the last couple of years.\n\nIt does mean that because you are expected to exceed the contributions cap this financial year, with your balance being under 500,000 as at July 30 last financial year. And you with what you sent us, you do have extra catch up space there. So there is no problem. It means that you can continue to salary sacrifice that 5% of your of your of your employment income. I will obviously just make sure I do check into your super fund every couple of months and just double check the contributions that are coming out just to make sure that it all stays within the allowable caps and things like that.\n\nThat we're not eating way too much of your of your carry forward contributions that you have quite a lot. You had just under a 100 k available to you from the previous five financial years. So it shouldn't be any major problem there. We'll just maybe making sure as we move forward that we do monitor that. We obviously wanna make sure you get access to your catch up contributions as long as possible.\n\nBut as soon as your balance reaches that $500,000 mark as at June 30, the following year down the track, you will actually lose lose access to those. So after that, we'll have to be very careful about your salary sacrifice. So right now, it's not a problem at all. Okay? K.\n\nYou still yeah. Absolutely. So you'll see at the bottom there, the high growth portfolio that you were in, look, it hasn't been returning terrible returns. However, the newer one when we completed the research has averaged about 11.92% there on a yearly basis. So the longest it's able to get that kind of a return moving forward, you can kinda see projected over the next five to ten years.\n\nYou could be in a much greater position. And, look, I'd love to see you with over a million dollars in super in the next ten years. That is just the projected so I do like to make sure you're aware. We do take projections with a grain of salt. Obviously, market conditions can vary, and you are taking on a higher level of risk in the high growth portfolio.\n\nSo some years, you'll get a 20% return, 15% return, or a negative return is expected, generally, every one and every five years. So, it's just about monitoring things. We'll keep seeing how it's all going, and keep projecting it out for you every couple of years to see what's expected there. But the the fact that the portfolio that we're moving you into has over the past five years averaged about 11.92%. When you project that over the next five to ten years, you could receive close to that, and it could see your portfolio grow very, very high, especially as your contributions and your income is high as well.\n\nThat does make have a difference on your super fund and does help it grow. Yeah. Yeah. All good. The only the only other thing I sort of wanted to make mention was I have included in the state planning side of things.\n\nWe are updating your life beneficiary nominations. So, yeah, once you guys get that back to us, we'll have it applied. Both the nominations as per our last conversation are binding lapsing, so it does mean we just have to make sure they are updated every three years. But I'll make sure our team are aware of that, and we'll make sure we review that with you and have those updated as you need to. And then I've also included in there the recommendation to continue your salary sacrifice exactly as it is because we are aware that you will go over the cap this year depending on your income, but you do have catch up contributions.\n\nSo you can look honestly, going over the cap now and utilizing those carry forward contributions is a good idea now rather than later because of the compounding effect. It's easier to sort of have a higher contribution level now and reduce that down the track because, obviously, the longer your money stays invested for, the higher the compounding effect works for you. So it is absolutely worth doing. I wanted to keep that sort of fairly brief there for you and let you go back and have a really good read of the document. But are there any questions that might have come out of that now at all?\n\nYep. Yeah. Concessional this financial year is 32,500. You're allowed to go at the moment, it's expected that your total contributions would be about 38,000 for this year. Yeah.\n\nYep. Yep. So yeah. But you do have carry four concessional contributions. That shouldn't be a problem.\n\nYeah. Yeah. It's all good. No worries at all. I've got a little thing in my calendar.\n\nSo every couple of months about every three to four months, I do check your Superfund to see how it is going. Just double check the balance and double check the contributions coming in. So if I feel there is an issue, I will definitely let you know. Did you wanna do a bit of a review maybe in six months' time just to do a bit of a catch up and see how things are going as well? Yeah.\n\nYeah. We'll do it just before Christmas. That way, you've had a bit of a catch up and can enjoy your Christmas break, and then we'll do another review in twelve months there for you as well. How does that sound, Austin? Beautiful.\n\nAnd if you enjoy reading, depending on how much spare time you have while you're off for the next few days, Attached to the order sign, I have also got the product disclosure statements for all the products that we have recommended. We've got your MetLife insurance information there for you as well and the financial services guide. So some people do wanna have a bit of a read through that, others not so much. This depends on how much time you have on your hands and how keen you are to have a read of some compliance information. And then in the document there, I do have the best interest, the the advantages, the disadvantages, and the risks of the strategies that we have in place in the document for you to review as well.\n\nOkay? Yep. Beautiful. Yeah. Absolutely.\n\nNo worries at all. There's also a the SOA attached as an attachment to your email, so you can always open it, review it at any time if you like to. Obviously, the best thing is because, obviously, with Ben along being down and some of the underperformance of the funds, having the investments which completed now is really important to kinda get it all in place. It does take a little bit of time to get the investments which completed. So, yeah, once you are happy to sign and return that back, we'll just move forward with the switch and get it all done for you nice and quickly.\n\nOkay. Easy. No worries. Well, good luck going back to work this week. I hope it all goes well for you.\n\nLegend. You have a lovely night. Thanks, Justin. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Dustin.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.16432546079158783},{"text":"It's Dana from OQ Financial.","start":4.08,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.17091327607631684},{"text":"How are you this afternoon?","start":5.92,"end":7.14,"sentiment":"neutral","sentiment_score":0.24735127985477448},{"text":"Yeah.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.27691829204559326},{"text":"Very well.","start":9.28,"end":9.84,"sentiment":"positive","sentiment_score":0.5848394632339478}],"sentiment":"neutral","sentiment_score":0.25777139465014137,"num_words":15,"start":3.4399998,"end":9.84},{"sentences":[{"text":"Thank you.","start":9.84,"end":10.24,"sentiment":"positive","sentiment_score":0.6530014276504517},{"text":"I had you booked in just to go through your updated statement of advice to look at the changes to your investments.","start":10.24,"end":14.905,"sentiment":"neutral","sentiment_score":0.25015104900706897},{"text":"Is now still a good time?","start":14.905,"end":16.445,"sentiment":"neutral","sentiment_score":0.1943473294377327},{"text":"Oh, fantastic.","start":18.425,"end":19.244999,"sentiment":"positive","sentiment_score":0.5796411335468292},{"text":"And you're still off this week.","start":19.625,"end":21.465,"sentiment":"neutral","sentiment_score":0.2283801039059957}],"sentiment":"neutral","sentiment_score":0.276446652647696,"num_words":38,"start":9.84,"end":21.465},{"sentences":[{"text":"How's everything going?","start":21.465,"end":22.685,"sentiment":"neutral","sentiment_score":0.2043851613998413},{"text":"Yeah.","start":24.265,"end":24.765,"sentiment":"neutral","sentiment_score":0.05245739966630936},{"text":"Oh, lovely.","start":25.64,"end":27.82,"sentiment":"positive","sentiment_score":0.35632462799549103},{"text":"And everything's oh, and everything's healing really well.","start":27.88,"end":30.92,"sentiment":"positive","sentiment_score":0.39636323042213917},{"text":"You're getting back on your feet slowly.","start":30.92,"end":32.78,"sentiment":"positive","sentiment_score":0.33333528467587065}],"sentiment":"neutral","sentiment_score":0.3277388083792868,"num_words":21,"start":21.465,"end":32.78},{"sentences":[{"text":"Yeah.","start":35.0,"end":35.5,"sentiment":"neutral","sentiment_score":0.09678211808204652},{"text":"Oh, we'll cross our fingers there for you.","start":37.465,"end":39.725,"sentiment":"neutral","sentiment_score":0.17083342839032412},{"text":"All good.","start":40.185,"end":40.845,"sentiment":"positive","sentiment_score":0.4388381689786911},{"text":"I have to send you through an email with the statement of advice.","start":41.385002,"end":44.265,"sentiment":"neutral","sentiment_score":0.17140556699954546},{"text":"So are you able to jump into your emails just to have a look at that one with me?","start":44.265,"end":47.805,"sentiment":"neutral","sentiment_score":0.11895767677771418}],"sentiment":"neutral","sentiment_score":0.1588277700682019,"num_words":43,"start":35.0,"end":47.805},{"sentences":[{"text":"Fantastic.","start":49.72,"end":50.22,"sentiment":"positive","sentiment_score":0.4512661695480346},{"text":"And just while that is coming through, I'll just do a quick security check there with you.","start":50.28,"end":53.72,"sentiment":"neutral","sentiment_score":0.14403132875176036},{"text":"And just to confirm, we do record our calls for quality and training purposes.","start":53.72,"end":56.84,"sentiment":"neutral","sentiment_score":0.11065368035009929},{"text":"Are you happy to proceed with that?","start":56.84,"end":58.62,"sentiment":"neutral","sentiment_score":0.16712436292852675},{"text":"Fantastic.","start":59.72,"end":60.2,"sentiment":"positive","sentiment_score":0.4525164067745209}],"sentiment":"neutral","sentiment_score":0.151783430762589,"num_words":40,"start":49.72,"end":60.2},{"sentences":[{"text":"And I'll just get you to confirm your full name, your date of birth, and address I should have on file there.","start":60.2,"end":64.619995,"sentiment":"neutral","sentiment_score":0.18517060374671762},{"text":"Beautiful.","start":70.315,"end":70.815,"sentiment":"neutral","sentiment_score":0.2771342396736145},{"text":"Thank you so much for that.","start":70.875,"end":72.575005,"sentiment":"positive","sentiment_score":0.5608145594596863},{"text":"Hopefully, the email pops through to you fairly quickly.","start":79.29,"end":81.71,"sentiment":"neutral","sentiment_score":0.2781146830982632},{"text":"You never know with technology.","start":82.01,"end":83.31,"sentiment":"neutral","sentiment_score":0.014476004987955093}],"sentiment":"neutral","sentiment_score":0.23932993143450382,"num_words":43,"start":60.2,"end":83.31},{"sentences":[{"text":"Oh, good.","start":83.53,"end":84.270004,"sentiment":"neutral","sentiment_score":0.26919157803058624},{"text":"Excellent.","start":84.49,"end":84.99,"sentiment":"positive","sentiment_score":0.3772132396697998},{"text":"So when you open the email there, it does have a little button that says to sign.","start":85.69,"end":89.675,"sentiment":"neutral","sentiment_score":0.13873384586151907},{"text":"You can just press that button to go forward the same as you did with the annual review documents just so you can view the documents there.","start":89.895,"end":95.515,"sentiment":"neutral","sentiment_score":0.14643464061535066},{"text":"I'll never ask you to sign anything you haven't read, and after the call, you'll be able to go back and have a really good read of the email prior to you signing and taking the advice.","start":95.735,"end":103.035,"sentiment":"neutral","sentiment_score":0.22803763315282963}],"sentiment":"neutral","sentiment_score":0.18649047022197573,"num_words":84,"start":83.53,"end":103.035},{"sentences":[{"text":"Okay?","start":103.095,"end":103.595,"sentiment":"neutral","sentiment_score":0.18757110834121704},{"text":"Excellent.","start":104.659996,"end":105.159996,"sentiment":"positive","sentiment_score":0.7389196157455444},{"text":"So on the front page there, it will note prepared for yourself with your name as of the 07/20/2026.","start":106.02,"end":111.38,"sentiment":"neutral","sentiment_score":0.2445582865100158},{"text":"So we date it for the date of the presentation just so you have sixty days to take on the advice.","start":111.38,"end":116.5,"sentiment":"neutral","sentiment_score":0.2048599932874952},{"text":"All of that advice is valid for sixty days after the call.","start":116.5,"end":119.375,"sentiment":"neutral","sentiment_score":0.17256118978063265}],"sentiment":"neutral","sentiment_score":0.2212202278552232,"num_words":54,"start":103.095,"end":119.375},{"sentences":[{"text":"Okay?","start":119.375,"end":119.875,"sentiment":"neutral","sentiment_score":0.1092916578054428},{"text":"On the bottom page, it has my authorized representative information.","start":121.055,"end":123.875,"sentiment":"neutral","sentiment_score":0.08790307641029357},{"text":"So I'm a licensed financial adviser.","start":123.935,"end":125.775,"sentiment":"neutral","sentiment_score":0.0849195048213005},{"text":"I'm registered through, and my registration number is 1304394.","start":125.775,"end":130.515,"sentiment":"neutral","sentiment_score":0.06254280441337162},{"text":"With regards to the advice we're looking at is simply sorry.","start":132.54,"end":135.98,"sentiment":"neutral","sentiment_score":-0.15098963068290192}],"sentiment":"neutral","sentiment_score":0.010806452784989332,"num_words":37,"start":119.375,"end":135.98},{"sentences":[{"text":"Simply just so far.","start":135.98,"end":137.09999,"sentiment":"neutral","sentiment_score":-0.1674126833677292},{"text":"So it is about looking at, you know, what you have in your super fund, how you are invested there, and making sure that you are working towards your goal.","start":137.09999,"end":145.605,"sentiment":"neutral","sentiment_score":0.10246541152397791},{"text":"You were hoping to obviously retire around about the age of 60.","start":145.845,"end":149.205,"sentiment":"neutral","sentiment_score":0.005031705213089784},{"text":"Target income was about $1,500 per week in retirement.","start":149.205,"end":152.665,"sentiment":"neutral","sentiment_score":-0.01348788622352812},{"text":"You are still young and have a lot of time in your side, so that could absolutely change down the track.","start":152.885,"end":157.44499,"sentiment":"neutral","sentiment_score":-0.04924921904291425}],"sentiment":"neutral","sentiment_score":0.017224572353849287,"num_words":76,"start":135.98,"end":157.44499},{"sentences":[{"text":"So this is what we're tracking forward at the moment there.","start":157.44499,"end":159.96,"sentiment":"neutral","sentiment_score":0.13212453506209634},{"text":"So we have we'll had a look at your super fund as well as, you know, how you are invested just to make sure that things are working harder for you and making any changes that we need to.","start":160.20001,"end":169.0,"sentiment":"neutral","sentiment_score":0.13585469566094568},{"text":"Okay?","start":169.0,"end":169.5,"sentiment":"neutral","sentiment_score":0.05312098562717438},{"text":"With the limited scoping side of things, so page number four, we have it scoped into a limited scope just your insurances.","start":171.16,"end":178.21501,"sentiment":"neutral","sentiment_score":0.03223450829020955},{"text":"So you have life and TP that are paid out of your super fund.","start":178.27501,"end":181.57501,"sentiment":"neutral","sentiment_score":0.12077219464949199}],"sentiment":"neutral","sentiment_score":0.10580222884557028,"num_words":87,"start":157.44499,"end":181.57501},{"sentences":[{"text":"You were happy with the policy that you do have, not wanting to make any changes to that.","start":181.71501,"end":185.895,"sentiment":"neutral","sentiment_score":0.16913348369093406},{"text":"Yep.","start":186.61,"end":187.11,"sentiment":"neutral","sentiment_score":0.02618440054357052},{"text":"The the oh, the beneficiary.","start":192.61,"end":195.67001,"sentiment":"neutral","sentiment_score":-0.008228683471679687},{"text":"Sorry.","start":195.89,"end":196.29001,"sentiment":"neutral","sentiment_score":-0.044004879891872406},{"text":"Yes.","start":196.29001,"end":196.61,"sentiment":"neutral","sentiment_score":0.000578656792640686}],"sentiment":"neutral","sentiment_score":0.11484682563549051,"num_words":26,"start":181.71501,"end":196.61},{"sentences":[{"text":"My apologies.","start":196.61,"end":197.27,"sentiment":"neutral","sentiment_score":-0.1624819114804268},{"text":"I've met lots of beneficiary nominations.","start":197.33,"end":199.19,"sentiment":"neutral","sentiment_score":-0.03475301588575045},{"text":"You can.","start":199.475,"end":200.195,"sentiment":"neutral","sentiment_score":0.08395861461758614},{"text":"You can absolutely just do that.","start":200.195,"end":201.71501,"sentiment":"neutral","sentiment_score":-0.10821910202503204},{"text":"Yeah.","start":201.71501,"end":202.21501,"sentiment":"neutral","sentiment_score":-0.03508373722434044}],"sentiment":"neutral","sentiment_score":-0.06176253167145392,"num_words":17,"start":196.61,"end":202.21501},{"sentences":[{"text":"Yeah.","start":202.35501,"end":202.85501,"sentiment":"neutral","sentiment_score":0.09505462646484376},{"text":"Yeah.","start":204.35501,"end":204.675,"sentiment":"neutral","sentiment_score":0.2998045086860657},{"text":"That's absolutely fine.","start":204.675,"end":206.115,"sentiment":"positive","sentiment_score":0.5899269382158915},{"text":"It's not a problem at all.","start":206.115,"end":207.395,"sentiment":"positive","sentiment_score":0.4194588214159012},{"text":"That's I'm sorry for that confusion there.","start":207.395,"end":209.575,"sentiment":"neutral","sentiment_score":-0.12039750069379807}],"sentiment":"neutral","sentiment_score":0.2132561318576336,"num_words":18,"start":202.35501,"end":209.575},{"sentences":[{"text":"So, yeah, we've no.","start":210.515,"end":212.05,"sentiment":"neutral","sentiment_score":-0.02972574857994914},{"text":"You're fine, honestly.","start":212.05,"end":213.43001,"sentiment":"neutral","sentiment_score":0.1424842377503713},{"text":"So with the insurances, we're not making any changes, though, but we are scoping them into a limited basis.","start":214.21,"end":218.61,"sentiment":"neutral","sentiment_score":0.020690587300219034},{"text":"That's essentially saying that we understand you have the policy, that because they are paid out of super, there is an effect on your retirement income because these premiums do get more expensive as time goes on.","start":218.61,"end":230.635,"sentiment":"neutral","sentiment_score":-0.019952532709450334},{"text":"So it does have an effect on how much you will end up in retirement.","start":230.635,"end":233.53499,"sentiment":"neutral","sentiment_score":0.10648223087191581}],"sentiment":"neutral","sentiment_score":0.020008469621340435,"num_words":78,"start":210.515,"end":233.53499},{"sentences":[{"text":"So we do review that with you on a regular basis as part of the annual review, but with regards to the advice that we're not making any changes, but they have been factored into the projected outcome for you.","start":233.595,"end":243.45999,"sentiment":"neutral","sentiment_score":0.11342415055260062},{"text":"Okay?","start":243.45999,"end":243.95999,"sentiment":"neutral","sentiment_score":0.060692839324474335},{"text":"And then areas that we're not looking at, personal investments, you were thinking about looking for ways to be able to retire earlier down the track.","start":245.62,"end":252.81999,"sentiment":"neutral","sentiment_score":0.05702701368584083},{"text":"It was something you were gonna be wanting to discuss with your wife down there as well.","start":252.81999,"end":256.335,"sentiment":"neutral","sentiment_score":0.0951824413941187},{"text":"I'm scoping out any personal investments at the moment.","start":256.41498,"end":258.975,"sentiment":"neutral","sentiment_score":0.058748890542321734}],"sentiment":"neutral","sentiment_score":0.08846454554668037,"num_words":93,"start":233.595,"end":258.975},{"sentences":[{"text":"If you decide you would like to come back and have that conversation, let me know.","start":258.975,"end":262.495,"sentiment":"neutral","sentiment_score":0.13175770128145814},{"text":"Absolutely happy to help you in those areas.","start":262.495,"end":264.51498,"sentiment":"positive","sentiment_score":0.5888926163315773},{"text":"And then also cash flow and budgeting.","start":264.815,"end":266.41498,"sentiment":"neutral","sentiment_score":0.1380516758986882},{"text":"You're also looking to try and do your new kitchen at some point.","start":266.41498,"end":270.035,"sentiment":"neutral","sentiment_score":0.13492102004014528},{"text":"I didn't really wanna be accessing the funds in your offset account.","start":270.335,"end":273.5,"sentiment":"neutral","sentiment_score":-0.013806570631762346}],"sentiment":"neutral","sentiment_score":0.16739143384620547,"num_words":56,"start":258.975,"end":273.5},{"sentences":[{"text":"Yes.","start":273.5,"end":273.66,"sentiment":"neutral","sentiment_score":0.060225676745176315},{"text":"But it is on the list of things to do.","start":273.66,"end":275.58002,"sentiment":"neutral","sentiment_score":0.05835951268672943},{"text":"So I've scoped out areas of cash flow and budgeting with regards to that at the moment.","start":275.58002,"end":279.52002,"sentiment":"neutral","sentiment_score":0.053087249398231506},{"text":"I've scoped out trauma as well.","start":281.1,"end":282.86002,"sentiment":"neutral","sentiment_score":0.04111457305649916},{"text":"So you do have your life and TPD paid out of super, and you do have your income protection policy through Union.","start":282.86002,"end":288.645,"sentiment":"neutral","sentiment_score":0.0767604283649813}],"sentiment":"neutral","sentiment_score":0.06217358760269625,"num_words":56,"start":273.5,"end":288.645},{"sentences":[{"text":"We did discuss additional trauma policies like trauma and child trauma paid out of pocket.","start":289.185,"end":294.865,"sentiment":"neutral","sentiment_score":0.04565521851181984},{"text":"You didn't wanna look at getting any additional insurances at the time.","start":294.865,"end":298.565,"sentiment":"neutral","sentiment_score":-0.005846493101368348},{"text":"However, if down the track you do wanna have more of a conversation, look at any additional covers, let me know.","start":298.83,"end":303.55,"sentiment":"neutral","sentiment_score":0.0946216592121692},{"text":"I'm more than happy to help you and look at providing additional advice in those areas for you.","start":303.55,"end":307.79,"sentiment":"positive","sentiment_score":0.7399876945548587},{"text":"Okay?","start":307.79,"end":308.29,"sentiment":"neutral","sentiment_score":0.2853543758392334}],"sentiment":"neutral","sentiment_score":0.2418934042051212,"num_words":67,"start":289.185,"end":308.29},{"sentences":[{"text":"And then also with regards to your mortgage, you are paying that down.","start":309.71,"end":312.885,"sentiment":"neutral","sentiment_score":0.04494716255710675},{"text":"You are hoping to have that paid off by the time you hit retirement there.","start":312.885,"end":316.005,"sentiment":"neutral","sentiment_score":0.03621026501059532},{"text":"We're not providing any advice on the draw of the paying down of the mortgages.","start":316.005,"end":319.365,"sentiment":"neutral","sentiment_score":-0.2897103071212769},{"text":"If you did wanna speak to a mortgage broker and have that reviewed or look at getting additional advice in those areas, let me know.","start":319.365,"end":325.625,"sentiment":"neutral","sentiment_score":-0.024123064577579498},{"text":"So the areas of scoping out is just where we're not providing advice at the moment.","start":325.72998,"end":329.81,"sentiment":"neutral","sentiment_score":-0.0913844860624522}],"sentiment":"neutral","sentiment_score":-0.0628978084506733,"num_words":84,"start":309.71,"end":329.81},{"sentences":[{"text":"However, down the track, if you did want additional services or advice, just let us know.","start":329.81,"end":334.05,"sentiment":"neutral","sentiment_score":0.03815958963241428},{"text":"Okay?","start":334.05,"end":334.55,"sentiment":"neutral","sentiment_score":0.04588477313518524},{"text":"Excellent.","start":336.21,"end":336.71,"sentiment":"positive","sentiment_score":0.6056448221206665},{"text":"Now to make this one a little bit easier for you, I'll take you through just the sections that we do need to go through, and then I'll let you go back and have a bit of a read through the document.","start":336.93,"end":345.405,"sentiment":"neutral","sentiment_score":0.3089547235341299},{"text":"We do outline all the recommendations in a bit of detail there.","start":345.625,"end":348.585,"sentiment":"neutral","sentiment_score":0.20566860462228456}],"sentiment":"neutral","sentiment_score":0.23203062046215767,"num_words":72,"start":329.81,"end":348.585},{"sentences":[{"text":"But if you head down to page number 20 for you for me.","start":348.585,"end":351.865,"sentiment":"neutral","sentiment_score":0.08097828093629617},{"text":"Sorry.","start":351.865,"end":352.365,"sentiment":"neutral","sentiment_score":0.01105235517024994},{"text":"This has got the heading fantastic.","start":352.905,"end":355.57,"sentiment":"neutral","sentiment_score":0.28628551959991455},{"text":"So you can see all the different buyers and sales investments, which is that we're looking at.","start":355.71002,"end":359.73,"sentiment":"neutral","sentiment_score":0.20139229648253498},{"text":"So what I did do is I did go back and have a look at Hub twenty four as a super platform.","start":359.87,"end":364.69,"sentiment":"neutral","sentiment_score":0.11397781206125562}],"sentiment":"neutral","sentiment_score":0.14767227170325942,"num_words":59,"start":348.585,"end":364.69},{"sentences":[{"text":"Have had a look at it.","start":364.91,"end":365.71002,"sentiment":"neutral","sentiment_score":0.04584330009917418},{"text":"There's no real changes that needs to be made with the platform itself.","start":365.71002,"end":368.595,"sentiment":"neutral","sentiment_score":-0.10860161698208405},{"text":"So I'm recommending we do retain the platform within Hub twenty four.","start":368.595,"end":371.89502,"sentiment":"neutral","sentiment_score":0.07733527322610219},{"text":"However, we did sort of talk about some of your investments being underperforming, and we do wanna look at maybe updating the portfolio to reflect changes in the market conditions, but also a portfolio that's showing greater past performance, which can have a much greater effect on your super down the track.","start":372.11502,"end":387.38998,"sentiment":"neutral","sentiment_score":-0.02948267302977351},{"text":"So the changes that we are looking at making here, we are gonna sell off all the Global X battery and lithium tech.","start":387.84998,"end":394.66998,"sentiment":"neutral","sentiment_score":0.007364485979728077}],"sentiment":"neutral","sentiment_score":-0.014834469447861303,"num_words":106,"start":364.91,"end":394.66998},{"sentences":[{"text":"We are gonna remove the Ben along Australian equities.","start":394.88998,"end":397.55,"sentiment":"neutral","sentiment_score":-0.03703998650113741},{"text":"That is the investment we discussed has been underperforming there with the the issues they have with the corporate traveler investment.","start":397.77,"end":403.785,"sentiment":"neutral","sentiment_score":-0.1807919428462074},{"text":"We're also looking at removing the bank hybrids for you.","start":404.645,"end":407.365,"sentiment":"neutral","sentiment_score":-0.0468587061855942},{"text":"So bank hybrids are more of a compact kind of defensive investment, but they are being phased out by the government in the next couple of years.","start":407.365,"end":414.08002,"sentiment":"neutral","sentiment_score":-0.1028441382503068},{"text":"So it is worthwhile removing those from your portfolio now.","start":414.14,"end":417.36002,"sentiment":"neutral","sentiment_score":-0.19331486374139786}],"sentiment":"neutral","sentiment_score":-0.12088984558842593,"num_words":77,"start":394.88998,"end":417.36002},{"sentences":[{"text":"I'm also the then along Australian equities, I'll show you the the CGT shortly if you like.","start":418.62,"end":427.44,"sentiment":"neutral","sentiment_score":-0.010902654917171115},{"text":"I'll just go through this, and, yeah, you're right.","start":427.58002,"end":430.21503,"sentiment":"neutral","sentiment_score":0.014356188126839697},{"text":"I'm also removing the China new economy there as well.","start":430.515,"end":433.635,"sentiment":"neutral","sentiment_score":-0.1188043437898159},{"text":"So, essentially, China hasn't really come out of COVID the way it has.","start":433.635,"end":437.55502,"sentiment":"neutral","sentiment_score":-0.2189899981021881},{"text":"It has been quite a lot of ups and downs to China, so we are looking to remove them from your portfolio as well.","start":437.55502,"end":442.515,"sentiment":"neutral","sentiment_score":-0.23713659743467966}],"sentiment":"neutral","sentiment_score":-0.13400453687820915,"num_words":73,"start":418.62,"end":442.515},{"sentences":[{"text":"Haven't quite performed the way we wanted them to.","start":442.515,"end":444.93,"sentiment":"negative","sentiment_score":-0.4018855194250743},{"text":"With physical gold there at the moment has been really good.","start":445.33,"end":447.97,"sentiment":"neutral","sentiment_score":0.22040572491559116},{"text":"It's worth retaining in your portfolio, but you are a bit overexposed.","start":447.97,"end":451.11,"sentiment":"neutral","sentiment_score":0.06253404977420966},{"text":"So we're just reducing it back a little bit to 7%.","start":451.33,"end":454.15,"sentiment":"neutral","sentiment_score":-0.0016118479384617372},{"text":"We're keeping it there, so we're just cementing some of the gains that that has been and redistributing those across your portfolio there.","start":454.21,"end":461.185,"sentiment":"neutral","sentiment_score":0.3029072770605917}],"sentiment":"neutral","sentiment_score":0.09859149911525575,"num_words":66,"start":442.515,"end":461.185},{"sentences":[{"text":"We're also looking at the cybersecurity.","start":461.56497,"end":463.50497,"sentiment":"neutral","sentiment_score":0.03499656729400158},{"text":"You do have that.","start":463.805,"end":464.685,"sentiment":"neutral","sentiment_score":0.029707769863307476},{"text":"It has been down a little bit this year with the major sell off in the sort of IT and cybersecurity side of things.","start":464.685,"end":470.625,"sentiment":"neutral","sentiment_score":-0.09818194589267175},{"text":"It is still a good investment to have.","start":470.75,"end":472.51,"sentiment":"positive","sentiment_score":0.4172897972166538},{"text":"So I do wanna retain that in your portfolio.","start":472.51,"end":474.45,"sentiment":"neutral","sentiment_score":0.2746884375810623}],"sentiment":"neutral","sentiment_score":0.07417564897560606,"num_words":51,"start":461.56497,"end":474.45},{"sentences":[{"text":"Again, you've got about 8% in there at the moment.","start":474.99002,"end":477.23,"sentiment":"neutral","sentiment_score":0.11289357542991638},{"text":"We just wanna hold about seven total, so we're just gonna reduce that back a little bit for you.","start":477.23,"end":482.21002,"sentiment":"neutral","sentiment_score":0.06337418309167812},{"text":"With the S and P 500, we do wanna keep exposure into, The US market, so we are keeping that in your portfolio.","start":482.67,"end":490.165,"sentiment":"neutral","sentiment_score":0.12365724632273549},{"text":"You do have about 33% there at the moment, so just reducing that back to 25 for you.","start":490.465,"end":496.005,"sentiment":"neutral","sentiment_score":0.13123476629455885},{"text":"Again, it's just about making sure we're keeping you within the risk level and cementing gains where we need to as well with the Van Dyck Australian property.","start":496.305,"end":505.56,"sentiment":"neutral","sentiment_score":0.16325882556182997}],"sentiment":"neutral","sentiment_score":0.12357790619895166,"num_words":98,"start":474.99002,"end":505.56},{"sentences":[{"text":"So with that one, their property has had a bit of a pullback.","start":505.86,"end":508.68,"sentiment":"neutral","sentiment_score":-0.15214456474551788},{"text":"It is also having a bit of a pullback at the moment, so we are looking to remove that one investment out of your portfolio.","start":508.82,"end":514.63495,"sentiment":"negative","sentiment_score":-0.3383128899335861},{"text":"And then you No.","start":515.01495,"end":517.65497,"sentiment":"neutral","sentiment_score":-0.16453574784100056},{"text":"Definitely not.","start":517.65497,"end":518.795,"sentiment":"neutral","sentiment_score":-0.2327960506081581},{"text":"And then the RAFT a 200 there as well.","start":518.935,"end":521.255,"sentiment":"neutral","sentiment_score":0.034916366967889995}],"sentiment":"neutral","sentiment_score":-0.2121733845264282,"num_words":53,"start":505.86,"end":521.255},{"sentences":[{"text":"So that investment is still good.","start":521.255,"end":523.115,"sentiment":"positive","sentiment_score":0.3559274971485138},{"text":"I do wanna keep exposure into the Australian market.","start":523.255,"end":525.89496,"sentiment":"neutral","sentiment_score":0.1553964043656985},{"text":"So we are just gonna reduce it back to 15% there.","start":525.89496,"end":528.69495,"sentiment":"neutral","sentiment_score":0.03524154323068532},{"text":"So just a small rebalance of that portfolio of that investment.","start":528.69495,"end":532.64,"sentiment":"neutral","sentiment_score":0.09288735789331523},{"text":"India is still a a great place of growth, so we are looking to buy into that area, giving you exposure.","start":533.98,"end":540.32,"sentiment":"positive","sentiment_score":0.3874151898281915}],"sentiment":"neutral","sentiment_score":0.22550464691273098,"num_words":58,"start":521.255,"end":540.32},{"sentences":[{"text":"Healthcare, global healthcare gives you diversification because it is healthcare across the globe, so it's in the entire world.","start":541.26,"end":547.54504,"sentiment":"positive","sentiment_score":0.3800815579138304},{"text":"And we're gonna hold about 7% of that investment and buy in there for you.","start":548.005,"end":552.245,"sentiment":"neutral","sentiment_score":0.29274670680363973},{"text":"Because we're getting rid of the ban along Australian equities like we discussed last time, we still wanna hold Australian equity exposure of us.","start":552.245,"end":559.51996,"sentiment":"neutral","sentiment_score":0.14135656785219908},{"text":"So I'm gonna invest you into the BetaShares a 200.","start":559.51996,"end":562.31995,"sentiment":"neutral","sentiment_score":0.17341365590691565},{"text":"Now this is more of a passively managed investment, but it is giving you greater diversification.","start":562.31995,"end":567.13995,"sentiment":"neutral","sentiment_score":0.2713644290342927}],"sentiment":"neutral","sentiment_score":0.25096756255342845,"num_words":84,"start":541.26,"end":567.13995},{"sentences":[{"text":"So whilst it has been greater past performance, it's cheaper as an investment.","start":567.51996,"end":571.86,"sentiment":"neutral","sentiment_score":0.3119793694752913},{"text":"It's actually giving you great diversification.","start":572.485,"end":574.265,"sentiment":"positive","sentiment_score":0.5619763433933258},{"text":"Because instead of holding, say, 15 or 20 different investments within Benelon, we're giving you exposures to the top 200 companies on the ASX.","start":574.485,"end":582.505,"sentiment":"neutral","sentiment_score":0.2905268284181754},{"text":"So it does work out much more to your advantage, and we'll hold about 10 there.","start":582.645,"end":587.465,"sentiment":"positive","sentiment_score":0.39887483045458794},{"text":"I know it is definitely we don't wanna kinda overexpose into that area.","start":587.57,"end":591.73,"sentiment":"neutral","sentiment_score":0.10450602380129007}],"sentiment":"neutral","sentiment_score":0.3075112408647935,"num_words":72,"start":567.51996,"end":591.73},{"sentences":[{"text":"And because you have the Raffi a 200 there as well, that essentially gives you about 25 total exposure in the Australian equity market.","start":591.73,"end":599.83,"sentiment":"neutral","sentiment_score":0.18732175851861635},{"text":"Okay?","start":600.05,"end":600.55,"sentiment":"neutral","sentiment_score":0.0770498514175415},{"text":"We did also talk about holding a little bit of actively managed funds there as well.","start":602.005,"end":606.645,"sentiment":"neutral","sentiment_score":0.13897520303726196},{"text":"So we've got the JPMorgan Global re Global Research Enhanced Equity Fund.","start":606.645,"end":612.185,"sentiment":"neutral","sentiment_score":0.1808992438018322},{"text":"This one here, we wanna hold about 15% there.","start":612.245,"end":615.03,"sentiment":"neutral","sentiment_score":0.17034327156013912}],"sentiment":"neutral","sentiment_score":0.16935896248586715,"num_words":62,"start":591.73,"end":615.03},{"sentences":[{"text":"This essentially is introducing an actively managed global equity component through that fund.","start":615.27,"end":620.33,"sentiment":"neutral","sentiment_score":0.220297437447768},{"text":"They are about 15% of the fund is actively managed.","start":620.95,"end":623.91003,"sentiment":"neutral","sentiment_score":0.23835078179836272},{"text":"So it's a cheap investment.","start":623.91003,"end":625.21,"sentiment":"neutral","sentiment_score":0.23780317902565},{"text":"It's actually not that expensive to hold.","start":625.27,"end":627.83,"sentiment":"neutral","sentiment_score":0.3193594898496355},{"text":"Part of it is actively managed.","start":627.83,"end":629.35004,"sentiment":"neutral","sentiment_score":0.2645607143640518}],"sentiment":"neutral","sentiment_score":0.2502261247576737,"num_words":41,"start":615.27,"end":629.35004},{"sentences":[{"text":"Part of it is passively managed, and they have done very well in the past.","start":629.35004,"end":632.925,"sentiment":"positive","sentiment_score":0.4013435810804367},{"text":"So, you know, JPMorgan is a really good research house.","start":632.925,"end":636.125,"sentiment":"positive","sentiment_score":0.5499648451805115},{"text":"They have great material, and this gives you global exposure as well.","start":636.125,"end":640.705,"sentiment":"positive","sentiment_score":0.7176382392644882},{"text":"Okay?","start":640.765,"end":641.265,"sentiment":"positive","sentiment_score":0.34842371940612793},{"text":"And then because we are getting rid of the bank hybrids, we still wanna have some low risk defensive investments there.","start":642.525,"end":648.51996,"sentiment":"neutral","sentiment_score":0.1663356256626901}],"sentiment":"positive","sentiment_score":0.40632089656793463,"num_words":59,"start":629.35004,"end":648.51996},{"sentences":[{"text":"So we're gonna look at core composite bonds.","start":648.66,"end":650.74,"sentiment":"neutral","sentiment_score":0.19603594951331615},{"text":"This is giving you exposure to bonds, both in Australia as well as overseas.","start":650.74,"end":654.74,"sentiment":"neutral","sentiment_score":0.1955542979495866},{"text":"We're looking at government and corporate bonds.","start":654.74,"end":656.98,"sentiment":"neutral","sentiment_score":0.137405626475811},{"text":"So bonds that have been around for a long time.","start":656.98,"end":659.38,"sentiment":"neutral","sentiment_score":0.16782644987106324},{"text":"They do pay regular income payments, and we do want that from our defensive investments.","start":659.38,"end":663.745,"sentiment":"neutral","sentiment_score":0.27331944306691486}],"sentiment":"neutral","sentiment_score":0.20455450550825507,"num_words":54,"start":648.66,"end":663.745},{"sentences":[{"text":"Even at the age that you are, we're taking on more risk in the market.","start":663.745,"end":667.045,"sentiment":"neutral","sentiment_score":0.06501572827498119},{"text":"We still wanna have some defensive assets, have some income being produced out of the investments that gets paid into your cash account and redistributed through your portfolio for compounding effects moving forward.","start":667.185,"end":678.54,"sentiment":"neutral","sentiment_score":0.2214159220457077},{"text":"Okay?","start":678.69995,"end":679.19995,"sentiment":"neutral","sentiment_score":0.1187397837638855},{"text":"Excellent.","start":680.3,"end":680.8,"sentiment":"positive","sentiment_score":0.5431996583938599},{"text":"If you go down to the next page there, you'll see at the moment you've got about 12,000 in cash.","start":681.57996,"end":685.98,"sentiment":"neutral","sentiment_score":0.16121281906962395}],"sentiment":"neutral","sentiment_score":0.17383081678833281,"num_words":70,"start":663.745,"end":685.98},{"sentences":[{"text":"The accounts cash balance is a little bit high.","start":685.98,"end":688.63995,"sentiment":"neutral","sentiment_score":0.09735236316919327},{"text":"We are going to invest about 8,000 into the portfolio.","start":688.86,"end":691.90497,"sentiment":"neutral","sentiment_score":0.1989435613155365},{"text":"We only really wanna hold a minimum amount of cash within your super funds.","start":691.90497,"end":695.90497,"sentiment":"neutral","sentiment_score":0.16585814846413477},{"text":"So the minimum requirement is 1.25% of your balance there.","start":695.90497,"end":700.865,"sentiment":"neutral","sentiment_score":0.171654050052166},{"text":"So, essentially, we are gonna take a nice chunk of that and reinvest it back into the portfolio for you.","start":700.865,"end":707.125,"sentiment":"neutral","sentiment_score":0.28613915890455244}],"sentiment":"neutral","sentiment_score":0.20042769267918573,"num_words":63,"start":685.98,"end":707.125},{"sentences":[{"text":"Okay.","start":707.31995,"end":707.81995,"sentiment":"neutral","sentiment_score":0.1121980845928192},{"text":"Excellent.","start":708.83997,"end":709.33997,"sentiment":"neutral","sentiment_score":0.23030608892440796},{"text":"No.","start":710.51996,"end":710.75995,"sentiment":"neutral","sentiment_score":-0.0980800986289978},{"text":"You're fine.","start":710.75995,"end":711.66,"sentiment":"neutral","sentiment_score":0.029237570241093636},{"text":"If you go to page 23, this is the page you kind of wanna see.","start":712.19995,"end":715.87994,"sentiment":"neutral","sentiment_score":0.04656655291716258}],"sentiment":"neutral","sentiment_score":0.050069875456392764,"num_words":20,"start":707.31995,"end":715.87994},{"sentences":[{"text":"This is kinda outlining the the reasoning and the CDT and the cost side of it for you.","start":715.87994,"end":721.81995,"sentiment":"neutral","sentiment_score":0.11257592505878872},{"text":"Has it the heading fee comparison.","start":723.995,"end":726.175,"sentiment":"neutral","sentiment_score":0.0601059024532636},{"text":"You can see that one there, Dustin.","start":726.315,"end":727.855,"sentiment":"neutral","sentiment_score":0.061090104814086645},{"text":"That's exactly right.","start":732.235,"end":733.515,"sentiment":"neutral","sentiment_score":0.3029814561208089},{"text":"Yes.","start":733.515,"end":733.835,"sentiment":"neutral","sentiment_score":-0.035196516662836075}],"sentiment":"neutral","sentiment_score":0.1053823043193136,"num_words":35,"start":715.87994,"end":733.835},{"sentences":[{"text":"So to make all of those changes, the expected CGT on the portfolio is only $212.","start":733.835,"end":740.52997,"sentiment":"neutral","sentiment_score":0.22610812727361917},{"text":"So that's essentially what I wanted to try and do is make the changes, put you in a portfolio that had greater past performance, which can give you greater potential future performance that minimize the CGT cost as much as possible.","start":740.52997,"end":752.725,"sentiment":"positive","sentiment_score":0.5287339058591098},{"text":"So, yeah, your fund is only expected to pay $212 in tax for making those changes.","start":752.785,"end":758.565,"sentiment":"neutral","sentiment_score":0.2775419978424907},{"text":"There's no change to the admin fees because you're staying in Hub 24.","start":759.345,"end":762.865,"sentiment":"positive","sentiment_score":0.33599896614368147},{"text":"I'm not changing the platform at all.","start":762.865,"end":765.07,"sentiment":"neutral","sentiment_score":0.2514771116631372}],"sentiment":"positive","sentiment_score":0.38564320950097936,"num_words":93,"start":733.835,"end":765.07},{"sentences":[{"text":"But you'll also see that the investment fees, it's expected to save you $469 for the first year on investment fees, which is a pretty good saving.","start":765.07,"end":773.73,"sentiment":"positive","sentiment_score":0.6734032454314055},{"text":"Yeah.","start":776.205,"end":776.705,"sentiment":"positive","sentiment_score":0.3392638564109802},{"text":"Yeah.","start":777.005,"end":777.505,"sentiment":"neutral","sentiment_score":0.29030054807662964},{"text":"Obviously, the ongoing service fee does continue there.","start":777.96497,"end":780.865,"sentiment":"neutral","sentiment_score":0.24182630702853203},{"text":"That is for our services, making sure we update the advice, do reviews, and things like that for you.","start":781.165,"end":786.46497,"sentiment":"neutral","sentiment_score":0.2714483220326273}],"sentiment":"positive","sentiment_score":0.4625639393925667,"num_words":56,"start":765.07,"end":786.46497},{"sentences":[{"text":"Your contributions are still coming out.","start":786.765,"end":788.685,"sentiment":"neutral","sentiment_score":0.3066372722387314},{"text":"Now one of the things and I Samantha made that call the other day.","start":788.685,"end":791.43,"sentiment":"neutral","sentiment_score":0.14454867371491023},{"text":"One of the things I noted when we were doing the research was with your income being slightly higher, your income your contributions going in do fluctuate a little bit as well.","start":791.43,"end":801.27,"sentiment":"neutral","sentiment_score":0.008155043353326619},{"text":"So there is a risk that you're gonna go over the cap for the year.","start":801.27,"end":803.95496,"sentiment":"neutral","sentiment_score":-0.24173403879006702},{"text":"So we just wanted to make sure that you had some catch up contributions from the last couple of years.","start":803.95496,"end":808.295,"sentiment":"neutral","sentiment_score":0.01905681248754263}],"sentiment":"neutral","sentiment_score":0.010110254260315293,"num_words":87,"start":786.765,"end":808.295},{"sentences":[{"text":"It does mean that because you are expected to exceed the contributions cap this financial year, with your balance being under 500,000 as at July 30 last financial year.","start":808.83496,"end":819.9,"sentiment":"neutral","sentiment_score":0.1922116712506475},{"text":"And you with what you sent us, you do have extra catch up space there.","start":820.68,"end":824.44,"sentiment":"neutral","sentiment_score":0.2186563973625501},{"text":"So there is no problem.","start":824.44,"end":825.88,"sentiment":"neutral","sentiment_score":0.2740176796913147},{"text":"It means that you can continue to salary sacrifice that 5% of your of your of your employment income.","start":825.88,"end":833.08496,"sentiment":"neutral","sentiment_score":0.1974877042597846},{"text":"I will obviously just make sure I do check into your super fund every couple of months and just double check the contributions that are coming out just to make sure that it all stays within the allowable caps and things like that.","start":833.785,"end":844.345,"sentiment":"neutral","sentiment_score":0.23152287997478663}],"sentiment":"neutral","sentiment_score":0.21560200941455257,"num_words":111,"start":808.83496,"end":844.345},{"sentences":[{"text":"That we're not eating way too much of your of your carry forward contributions that you have quite a lot.","start":844.345,"end":850.35004,"sentiment":"neutral","sentiment_score":0.30490436851978303},{"text":"You had just under a 100 k available to you from the previous five financial years.","start":850.35004,"end":855.15,"sentiment":"positive","sentiment_score":0.4418372232466936},{"text":"So it shouldn't be any major problem there.","start":855.15,"end":857.87,"sentiment":"positive","sentiment_score":0.39800284802913666},{"text":"We'll just maybe making sure as we move forward that we do monitor that.","start":857.87,"end":863.08496,"sentiment":"neutral","sentiment_score":-0.006083409434982708},{"text":"We obviously wanna make sure you get access to your catch up contributions as long as possible.","start":863.38495,"end":867.805,"sentiment":"neutral","sentiment_score":0.038832845933297104}],"sentiment":"neutral","sentiment_score":0.22568661833802858,"num_words":75,"start":844.345,"end":867.805},{"sentences":[{"text":"But as soon as your balance reaches that $500,000 mark as at June 30, the following year down the track, you will actually lose lose access to those.","start":868.425,"end":878.76,"sentiment":"neutral","sentiment_score":-0.23851443747324602},{"text":"So after that, we'll have to be very careful about your salary sacrifice.","start":878.76,"end":882.54004,"sentiment":"neutral","sentiment_score":-0.24731956880826217},{"text":"So right now, it's not a problem at all.","start":882.68005,"end":884.60004,"sentiment":"neutral","sentiment_score":0.08462355741196209},{"text":"Okay?","start":884.60004,"end":885.10004,"sentiment":"neutral","sentiment_score":0.0733979120850563},{"text":"K.","start":886.12006,"end":886.62006,"sentiment":"neutral","sentiment_score":0.07408797740936279}],"sentiment":"neutral","sentiment_score":-0.17277809110685036,"num_words":52,"start":868.425,"end":886.62006},{"sentences":[{"text":"You still yeah.","start":887.08,"end":888.78,"sentiment":"neutral","sentiment_score":0.007705862944324811},{"text":"Absolutely.","start":888.84,"end":889.34,"sentiment":"neutral","sentiment_score":0.19937023520469663},{"text":"So you'll see at the bottom there, the high growth portfolio that you were in, look, it hasn't been returning terrible returns.","start":890.735,"end":897.71497,"sentiment":"neutral","sentiment_score":0.01907835460521958},{"text":"However, the newer one when we completed the research has averaged about 11.92% there on a yearly basis.","start":898.33496,"end":904.415,"sentiment":"neutral","sentiment_score":0.05872659012675285},{"text":"So the longest it's able to get that kind of a return moving forward, you can kinda see projected over the next five to ten years.","start":904.415,"end":910.38,"sentiment":"neutral","sentiment_score":0.2247746798854608}],"sentiment":"neutral","sentiment_score":0.10776331320937191,"num_words":70,"start":887.08,"end":910.38},{"sentences":[{"text":"You could be in a much greater position.","start":910.38,"end":912.24,"sentiment":"neutral","sentiment_score":0.3032647371292114},{"text":"And, look, I'd love to see you with over a million dollars in super in the next ten years.","start":912.45996,"end":916.39996,"sentiment":"positive","sentiment_score":0.45589304911462886},{"text":"That is just the projected so I do like to make sure you're aware.","start":916.86,"end":921.055,"sentiment":"neutral","sentiment_score":0.01653261229928051},{"text":"We do take projections with a grain of salt.","start":921.055,"end":923.055,"sentiment":"neutral","sentiment_score":-0.04969233522812525},{"text":"Obviously, market conditions can vary, and you are taking on a higher level of risk in the high growth portfolio.","start":923.055,"end":928.995,"sentiment":"neutral","sentiment_score":-0.12573798662051558}],"sentiment":"neutral","sentiment_score":0.11939359504197325,"num_words":70,"start":910.38,"end":928.995},{"sentences":[{"text":"So some years, you'll get a 20% return, 15% return, or a negative return is expected, generally, every one and every five years.","start":929.135,"end":937.82996,"sentiment":"neutral","sentiment_score":-0.11112383591092151},{"text":"So, it's just about monitoring things.","start":937.82996,"end":940.06995,"sentiment":"neutral","sentiment_score":0.012742257366577784},{"text":"We'll keep seeing how it's all going, and keep projecting it out for you every couple of years to see what's expected there.","start":940.06995,"end":946.845,"sentiment":"neutral","sentiment_score":0.11359102133175601},{"text":"But the the fact that the portfolio that we're moving you into has over the past five years averaged about 11.92%.","start":947.165,"end":954.46497,"sentiment":"neutral","sentiment_score":0.19774949621586574},{"text":"When you project that over the next five to ten years, you could receive close to that, and it could see your portfolio grow very, very high, especially as your contributions and your income is high as well.","start":954.925,"end":965.26,"sentiment":"positive","sentiment_score":0.4623850536973853}],"sentiment":"neutral","sentiment_score":0.19690603846768,"num_words":111,"start":929.135,"end":965.26},{"sentences":[{"text":"That does make have a difference on your super fund and does help it grow.","start":965.26,"end":969.68,"sentiment":"positive","sentiment_score":0.5408316036065419},{"text":"Yeah.","start":970.06,"end":970.56,"sentiment":"neutral","sentiment_score":0.219733402132988},{"text":"Yeah.","start":973.595,"end":974.095,"sentiment":"positive","sentiment_score":0.3465981185436249},{"text":"All good.","start":974.235,"end":975.055,"sentiment":"positive","sentiment_score":0.4927835911512375},{"text":"The only the only other thing I sort of wanted to make mention was I have included in the state planning side of things.","start":975.595,"end":982.095,"sentiment":"neutral","sentiment_score":0.06611090774337451}],"sentiment":"neutral","sentiment_score":0.26165196611437685,"num_words":43,"start":965.26,"end":982.095},{"sentences":[{"text":"We are updating your life beneficiary nominations.","start":982.315,"end":985.08997,"sentiment":"neutral","sentiment_score":0.09487757299627576},{"text":"So, yeah, once you guys get that back to us, we'll have it applied.","start":985.14996,"end":988.05,"sentiment":"neutral","sentiment_score":0.0957521301295076},{"text":"Both the nominations as per our last conversation are binding lapsing, so it does mean we just have to make sure they are updated every three years.","start":988.83,"end":996.37,"sentiment":"neutral","sentiment_score":0.05162339581659547},{"text":"But I'll make sure our team are aware of that, and we'll make sure we review that with you and have those updated as you need to.","start":996.675,"end":1002.775,"sentiment":"neutral","sentiment_score":0.0994525398645136},{"text":"And then I've also included in there the recommendation to continue your salary sacrifice exactly as it is because we are aware that you will go over the cap this year depending on your income, but you do have catch up contributions.","start":1003.475,"end":1016.66,"sentiment":"neutral","sentiment_score":0.056016291225595136}],"sentiment":"neutral","sentiment_score":0.07210604553548698,"num_words":117,"start":982.315,"end":1016.66},{"sentences":[{"text":"So you can look honestly, going over the cap now and utilizing those carry forward contributions is a good idea now rather than later because of the compounding effect.","start":1016.88,"end":1026.425,"sentiment":"neutral","sentiment_score":0.1802636107494091},{"text":"It's easier to sort of have a higher contribution level now and reduce that down the track because, obviously, the longer your money stays invested for, the higher the compounding effect works for you.","start":1026.425,"end":1037.385,"sentiment":"neutral","sentiment_score":0.22985129891073003},{"text":"So it is absolutely worth doing.","start":1037.385,"end":1040.6,"sentiment":"positive","sentiment_score":0.5865337401628494},{"text":"I wanted to keep that sort of fairly brief there for you and let you go back and have a really good read of the document.","start":1041.14,"end":1046.5,"sentiment":"positive","sentiment_score":0.40036288935404557},{"text":"But are there any questions that might have come out of that now at all?","start":1046.5,"end":1049.88,"sentiment":"neutral","sentiment_score":0.05434399408598741}],"sentiment":"neutral","sentiment_score":0.2526035122742707,"num_words":110,"start":1016.88,"end":1049.88},{"sentences":[{"text":"Yep.","start":1056.995,"end":1057.495,"sentiment":"neutral","sentiment_score":-0.006433132104575634},{"text":"Yeah.","start":1063.9,"end":1064.38,"sentiment":"neutral","sentiment_score":0.009469525888562202},{"text":"Concessional this financial year is 32,500.","start":1064.38,"end":1068.4,"sentiment":"neutral","sentiment_score":-0.005271197451899449},{"text":"You're allowed to go at the moment, it's expected that your total contributions would be about 38,000 for this year.","start":1068.9401,"end":1077.4401,"sentiment":"neutral","sentiment_score":0.0041162275010719895},{"text":"Yeah.","start":1080.405,"end":1080.905,"sentiment":"neutral","sentiment_score":0.07129299640655518}],"sentiment":"neutral","sentiment_score":0.00431126743105465,"num_words":29,"start":1056.995,"end":1080.905},{"sentences":[{"text":"Yep.","start":1081.365,"end":1081.605,"sentiment":"neutral","sentiment_score":0.08903419226408005},{"text":"Yep.","start":1081.605,"end":1082.105,"sentiment":"neutral","sentiment_score":0.1000671312212944},{"text":"So yeah.","start":1082.165,"end":1083.225,"sentiment":"neutral","sentiment_score":0.09185061976313591},{"text":"But you do have carry four concessional contributions.","start":1083.605,"end":1086.105,"sentiment":"neutral","sentiment_score":0.08686230890452862},{"text":"That shouldn't be a problem.","start":1086.245,"end":1087.545,"sentiment":"neutral","sentiment_score":0.1584858775138855}],"sentiment":"neutral","sentiment_score":0.1094194365774884,"num_words":17,"start":1081.365,"end":1087.545},{"sentences":[{"text":"Yeah.","start":1087.765,"end":1088.265,"sentiment":"neutral","sentiment_score":0.10905885696411131},{"text":"Yeah.","start":1089.4451,"end":1089.9451,"sentiment":"neutral","sentiment_score":0.30573299527168274},{"text":"It's all good.","start":1090.3999,"end":1091.6799,"sentiment":"positive","sentiment_score":0.573710302511851},{"text":"No worries at all.","start":1091.6799,"end":1092.88,"sentiment":"neutral","sentiment_score":0.1764938235282898},{"text":"I've got a little thing in my calendar.","start":1092.88,"end":1094.5599,"sentiment":"neutral","sentiment_score":0.2009878922253847}],"sentiment":"neutral","sentiment_score":0.26175301127574024,"num_words":17,"start":1087.765,"end":1094.5599},{"sentences":[{"text":"So every couple of months about every three to four months, I do check your Superfund to see how it is going.","start":1094.5599,"end":1099.5399,"sentiment":"neutral","sentiment_score":0.1625365906141021},{"text":"Just double check the balance and double check the contributions coming in.","start":1099.6,"end":1102.6399,"sentiment":"neutral","sentiment_score":0.03668341211353739},{"text":"So if I feel there is an issue, I will definitely let you know.","start":1102.6399,"end":1105.7799,"sentiment":"neutral","sentiment_score":-0.020197493290262564},{"text":"Did you wanna do a bit of a review maybe in six months' time just to do a bit of a catch up and see how things are going as well?","start":1106.255,"end":1112.515,"sentiment":"neutral","sentiment_score":-0.03249543343460368},{"text":"Yeah.","start":1112.5751,"end":1113.0751,"sentiment":"neutral","sentiment_score":-0.003786764107644558}],"sentiment":"neutral","sentiment_score":0.034026197902858255,"num_words":80,"start":1094.5599,"end":1113.0751},{"sentences":[{"text":"Yeah.","start":1113.375,"end":1113.875,"sentiment":"neutral","sentiment_score":0.09046386182308196},{"text":"We'll do it just before Christmas.","start":1114.5751,"end":1116.175,"sentiment":"neutral","sentiment_score":0.13536144917209944},{"text":"That way, you've had a bit of a catch up and can enjoy your Christmas break, and then we'll do another review in twelve months there for you as well.","start":1116.175,"end":1122.88,"sentiment":"neutral","sentiment_score":0.1710168239971002},{"text":"How does that sound, Austin?","start":1122.88,"end":1124.26,"sentiment":"neutral","sentiment_score":0.11094360426068306},{"text":"Beautiful.","start":1126.08,"end":1126.58,"sentiment":"positive","sentiment_score":0.6507760286331177}],"sentiment":"neutral","sentiment_score":0.16834026341174924,"num_words":43,"start":1113.375,"end":1126.58},{"sentences":[{"text":"And if you enjoy reading, depending on how much spare time you have while you're off for the next few days, Attached to the order sign, I have also got the product disclosure statements for all the products that we have recommended.","start":1126.72,"end":1138.265,"sentiment":"neutral","sentiment_score":0.2039742934561911},{"text":"We've got your MetLife insurance information there for you as well and the financial services guide.","start":1138.3251,"end":1143.96,"sentiment":"neutral","sentiment_score":0.16373595828190446},{"text":"So some people do wanna have a bit of a read through that, others not so much.","start":1144.0399,"end":1148.2799,"sentiment":"neutral","sentiment_score":0.06449090448372505},{"text":"This depends on how much time you have on your hands and how keen you are to have a read of some compliance information.","start":1148.2799,"end":1153.58,"sentiment":"neutral","sentiment_score":0.03687455722441276},{"text":"And then in the document there, I do have the best interest, the the advantages, the disadvantages, and the risks of the strategies that we have in place in the document for you to review as well.","start":1155.7999,"end":1165.335,"sentiment":"neutral","sentiment_score":0.028152731322758907}],"sentiment":"neutral","sentiment_score":0.10448295195751331,"num_words":136,"start":1126.72,"end":1165.335},{"sentences":[{"text":"Okay?","start":1165.335,"end":1165.835,"sentiment":"neutral","sentiment_score":0.0410413071513176},{"text":"Yep.","start":1168.615,"end":1169.115,"sentiment":"neutral","sentiment_score":0.31610867381095886},{"text":"Beautiful.","start":1169.4149,"end":1169.9149,"sentiment":"positive","sentiment_score":0.4684790372848511},{"text":"Yeah.","start":1174.3099,"end":1174.71,"sentiment":"neutral","sentiment_score":0.11623863875865936},{"text":"Absolutely.","start":1174.71,"end":1175.21,"sentiment":"neutral","sentiment_score":0.1244352161884308}],"sentiment":"neutral","sentiment_score":0.21326057463884354,"num_words":5,"start":1165.335,"end":1175.21},{"sentences":[{"text":"No worries at all.","start":1175.6699,"end":1176.95,"sentiment":"neutral","sentiment_score":0.06345872767269611},{"text":"There's also a the SOA attached as an attachment to your email, so you can always open it, review it at any time if you like to.","start":1176.95,"end":1184.435,"sentiment":"neutral","sentiment_score":0.10078344066385869},{"text":"Obviously, the best thing is because, obviously, with Ben along being down and some of the underperformance of the funds, having the investments which completed now is really important to kinda get it all in place.","start":1184.435,"end":1194.275,"sentiment":"neutral","sentiment_score":0.12023245439761215},{"text":"It does take a little bit of time to get the investments which completed.","start":1194.275,"end":1197.8151,"sentiment":"neutral","sentiment_score":0.0008940393371241433},{"text":"So, yeah, once you are happy to sign and return that back, we'll just move forward with the switch and get it all done for you nice and 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you.","start":1210.95,"end":1212.8099,"sentiment":"positive","sentiment_score":0.7735114470124245}],"sentiment":"positive","sentiment_score":0.6708029849188668,"num_words":21,"start":1205.4299,"end":1212.8099},{"sentences":[{"text":"Legend.","start":1217.3151,"end":1217.795,"sentiment":"positive","sentiment_score":0.5694773197174072},{"text":"You have a lovely night.","start":1217.795,"end":1219.255,"sentiment":"positive","sentiment_score":0.7769993424415589},{"text":"Thanks, Justin.","start":1220.995,"end":1221.795,"sentiment":"positive","sentiment_score":0.6932377219200134},{"text":"See you later.","start":1221.795,"end":1222.615,"sentiment":"positive","sentiment_score":0.60538250207901}],"sentiment":"positive","sentiment_score":0.696099725636569,"num_words":11,"start":1217.3151,"end":1222.615}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thanks. How are you? Yeah. Yeah. It's fine. Yep. Yeah. Yeah. I've got two more days till I get these pictures taken out and back to work Thursday. I no. No. I'll be alright, I think. I hope. I'll find out on Wednesday afternoon. Thank you. Yep. Yep. Dustin Zabowski. Twenty seven nine eighty nine. 102 Gangnegan Road out of Bay, New South Wales. Yeah. I've got it. I've got it here with Yep. Alright. Yep. Yep. Yep. Yeah. I've gotten it signed. I'll or the MetLife thing. I'll do I can I just scan it and send it back to you guys? MetLife full? Sorry. I'll get my wife to do it on Wednesday at work. No. You're alright. I thought I'd jump the gun there. Yep. Yep. Okay. Okay. Yeah. I'm on that page now. Okay. How much have I lost on those ones? Okay. Yeah. Alright. Kick on. Yes. Yep. Yeah. I don't think it's going that well. Yeah. Yep. Mhmm. Yep. Yep. Yep. Okay. Yep. Sorry. I have a lost. What's going on? Mhmm. Oh, so just I'm only losing $200. Is that right? Yep. Yep. Okay. Cool. Yes. Yeah. I can I'll still get another year before I have to worry. Yeah. Okay. Cool. Alright. Yep. Yep. Okay. Cool. No. Not really. I'm just so I've got another year of just salary sacrificing as I am, And then just because what are you allowed to title contributions to your salary sec or super? And what did I do? If I keep the same income. Okay. Awesome. Yep. Yep. Yeah. I reckon, sir. Yeah. Fuck that. Yep. Yep. Yep. That sounds good. I've been reading all day. Yep. Yep. No. It's alright. I'm pretty happy with this. Alright. I'll sign this off, and then we'll just move forward, I guess. Yeah. Okay. Cool. Alright. Yeah. No worries. I'll I'll sign this now, and then I'll I'll port it off to you. Okay. You too. Bye. 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Yeah. Good. Thanks. How are you?\n\nYeah. Yeah. It's fine. Yep. Yeah.\n\nYeah. I've got two more days till I get these pictures taken out and back to work Thursday. I no. No. I'll be alright, I think.\n\nI hope. I'll find out on Wednesday afternoon. Thank you. Yep. Yep.\n\nDustin Zabowski. Twenty seven nine eighty nine. 102 Gangnegan Road out of Bay, New South Wales. Yeah. I've got it.\n\nI've got it here with Yep. Alright. Yep. Yep. Yep.\n\nYeah. I've gotten it signed. I'll or the MetLife thing. I'll do I can I just scan it and send it back to you guys? MetLife full?\n\nSorry. I'll get my wife to do it on Wednesday at work. No. You're alright. I thought I'd jump the gun there.\n\nYep. Yep. Okay. Okay. Yeah.\n\nI'm on that page now. Okay. How much have I lost on those ones? Okay. Yeah.\n\nAlright. Kick on. Yes. Yep. Yeah.\n\nI don't think it's going that well. Yeah. Yep. Mhmm. Yep.\n\nYep. Yep. Okay. Yep. Sorry.\n\nI have a lost. What's going on? Mhmm. 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Yep.","start":82.005,"end":104.245,"sentiment":"neutral","sentiment_score":0.029562940044949453},{"text":"Alright.","start":104.305,"end":104.805,"sentiment":"positive","sentiment_score":0.5235285758972168},{"text":"Yep.","start":119.92,"end":120.42,"sentiment":"neutral","sentiment_score":0.10515610873699188},{"text":"Yep.","start":132.175,"end":132.675,"sentiment":"neutral","sentiment_score":0.03921511769294739},{"text":"Yep.","start":170.04,"end":170.54,"sentiment":"neutral","sentiment_score":0.05847924202680588}],"sentiment":"neutral","sentiment_score":0.09037566846236586,"num_words":10,"start":82.005,"end":170.54},{"sentences":[{"text":"Yeah.","start":184.135,"end":184.535,"sentiment":"neutral","sentiment_score":0.024846304208040237},{"text":"I've gotten it signed.","start":184.535,"end":185.83499,"sentiment":"neutral","sentiment_score":0.007109234109520912},{"text":"I'll or the MetLife thing.","start":186.215,"end":187.815,"sentiment":"neutral","sentiment_score":0.024870028346776964},{"text":"I'll do I can I just scan it and send it back to you guys?","start":187.815,"end":191.01,"sentiment":"neutral","sentiment_score":0.04009154153366883},{"text":"MetLife full?","start":194.45,"end":195.59,"sentiment":"neutral","sentiment_score":0.0020302273333072662}],"sentiment":"neutral","sentiment_score":0.029002480001913175,"num_words":27,"start":184.135,"end":195.59},{"sentences":[{"text":"Sorry.","start":200.84999,"end":201.34999,"sentiment":"neutral","sentiment_score":-0.12975329160690308},{"text":"I'll get my wife to do it on Wednesday at work.","start":201.81,"end":204.225,"sentiment":"neutral","sentiment_score":0.11394228379834782},{"text":"No.","start":209.265,"end":209.505,"sentiment":"neutral","sentiment_score":-0.062155283987522125},{"text":"You're alright.","start":209.505,"end":210.225,"sentiment":"neutral","sentiment_score":-0.02597782015800476},{"text":"I thought I'd jump the gun there.","start":210.225,"end":211.845,"sentiment":"neutral","sentiment_score":-0.041065544954368045}],"sentiment":"neutral","sentiment_score":0.03282009505412795,"num_words":22,"start":200.84999,"end":211.845},{"sentences":[{"text":"Yep.","start":244.67,"end":245.17,"sentiment":"neutral","sentiment_score":0.07218222320079803},{"text":"Yep.","start":257.005,"end":257.505,"sentiment":"neutral","sentiment_score":0.0666678249835968},{"text":"Okay.","start":308.875,"end":309.375,"sentiment":"neutral","sentiment_score":0.15607263147830963},{"text":"Okay.","start":335.245,"end":335.745,"sentiment":"neutral","sentiment_score":0.1929648220539093},{"text":"Yeah.","start":352.78,"end":353.18,"sentiment":"neutral","sentiment_score":0.07679629325866699}],"sentiment":"neutral","sentiment_score":0.11293675899505615,"num_words":5,"start":244.67,"end":353.18},{"sentences":[{"text":"I'm on that page now.","start":353.18,"end":368.645,"sentiment":"neutral","sentiment_score":0.21732451394200325},{"text":"Okay.","start":418.045,"end":418.545,"sentiment":"neutral","sentiment_score":-0.06740562617778778},{"text":"How much have I lost on those ones?","start":418.685,"end":421.02502,"sentiment":"neutral","sentiment_score":-0.17849928047508},{"text":"Okay.","start":427.4,"end":427.8,"sentiment":"neutral","sentiment_score":0.007930717431008816},{"text":"Yeah.","start":427.8,"end":428.03998,"sentiment":"neutral","sentiment_score":0.00944096315652132}],"sentiment":"neutral","sentiment_score":-0.024462851230055094,"num_words":16,"start":353.18,"end":428.03998},{"sentences":[{"text":"Alright.","start":428.03998,"end":428.36,"sentiment":"neutral","sentiment_score":0.030553992837667465},{"text":"Kick 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well.","start":515.09503,"end":516.795,"sentiment":"neutral","sentiment_score":-0.13423513727528708},{"text":"Yeah.","start":519.09503,"end":519.45,"sentiment":"neutral","sentiment_score":-0.0000545848160982132},{"text":"Yep.","start":533.61,"end":534.11,"sentiment":"neutral","sentiment_score":0.2272238731384277},{"text":"Mhmm.","start":600.83496,"end":601.235,"sentiment":"neutral","sentiment_score":0.05636461079120636},{"text":"Yep.","start":601.235,"end":601.62,"sentiment":"neutral","sentiment_score":0.11004915088415146}],"sentiment":"neutral","sentiment_score":-0.04964208281175657,"num_words":11,"start":515.09503,"end":601.62},{"sentences":[{"text":"Yep.","start":642.315,"end":642.815,"sentiment":"neutral","sentiment_score":0.2526373863220215},{"text":"Yep.","start":679.305,"end":679.805,"sentiment":"neutral","sentiment_score":0.16389930248260498},{"text":"Okay.","start":679.865,"end":680.365,"sentiment":"neutral","sentiment_score":0.3311716616153717},{"text":"Yep.","start":707.91,"end":708.41,"sentiment":"neutral","sentiment_score":0.0887313112616539},{"text":"Sorry.","start":708.47,"end":708.67,"sentiment":"neutral","sentiment_score":0.014740660786628723}],"sentiment":"neutral","sentiment_score":0.17023606449365616,"num_words":5,"start":642.315,"end":708.67},{"sentences":[{"text":"I have a lost.","start":708.67,"end":709.35,"sentiment":"neutral","sentiment_score":-0.07851655967533588},{"text":"What's going on?","start":709.35,"end":710.25,"sentiment":"neutral","sentiment_score":-0.043360052009423576},{"text":"Mhmm.","start":719.175,"end":719.675,"sentiment":"neutral","sentiment_score":0.05458880960941315},{"text":"Oh, so just I'm only losing $200.","start":729.335,"end":731.335,"sentiment":"neutral","sentiment_score":-0.016214746981859207},{"text":"Is that right?","start":731.335,"end":732.12,"sentiment":"neutral","sentiment_score":0.0849904293815295}],"sentiment":"neutral","sentiment_score":-0.013782751436034838,"num_words":18,"start":708.67,"end":732.12},{"sentences":[{"text":"Yep.","start":759.255,"end":759.63,"sentiment":"positive","sentiment_score":0.446982741355896},{"text":"Yep.","start":774.19,"end":774.67,"sentiment":"positive","sentiment_score":0.3738741874694824},{"text":"Okay.","start":774.67,"end":775.07,"sentiment":"positive","sentiment_score":0.4880244731903076},{"text":"Cool.","start":775.07,"end":775.485,"sentiment":"positive","sentiment_score":0.5266405940055847},{"text":"Yes.","start":808.875,"end":809.375,"sentiment":"neutral","sentiment_score":0.16036322712898254}],"sentiment":"positive","sentiment_score":0.39917704463005066,"num_words":5,"start":759.255,"end":809.375},{"sentences":[{"text":"Yeah.","start":831.775,"end":832.275,"sentiment":"neutral","sentiment_score":0.0813128650188446},{"text":"I can I'll still get another year before I have to worry.","start":884.765,"end":887.665,"sentiment":"neutral","sentiment_score":0.03712210229908427},{"text":"Yeah.","start":923.5,"end":924.0,"sentiment":"neutral","sentiment_score":-0.035824745893478394},{"text":"Okay.","start":972.12006,"end":972.52,"sentiment":"neutral","sentiment_score":0.2871565818786621},{"text":"Cool.","start":972.52,"end":973.02,"sentiment":"positive","sentiment_score":0.40350598096847534}],"sentiment":"neutral","sentiment_score":0.07385099434759468,"num_words":16,"start":831.775,"end":973.02},{"sentences":[{"text":"Alright.","start":975.16003,"end":975.66003,"sentiment":"neutral","sentiment_score":0.09959360212087633},{"text":"Yep.","start":1010.055,"end":1010.555,"sentiment":"neutral","sentiment_score":0.07582011818885803},{"text":"Yep.","start":1026.32,"end":1026.82,"sentiment":"neutral","sentiment_score":0.16511517763137817},{"text":"Okay.","start":1037.855,"end":1038.335,"sentiment":"positive","sentiment_score":0.3770757019519806},{"text":"Cool.","start":1038.335,"end":1038.835,"sentiment":"positive","sentiment_score":0.682512640953064}],"sentiment":"neutral","sentiment_score":0.2800234481692314,"num_words":5,"start":975.16003,"end":1038.835},{"sentences":[{"text":"No.","start":1050.65,"end":1051.13,"sentiment":"neutral","sentiment_score":-0.05238544940948486},{"text":"Not 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sir.","start":1110.5599,"end":1111.36,"sentiment":"neutral","sentiment_score":-0.04657751073439916},{"text":"Yeah.","start":1111.36,"end":1111.76,"sentiment":"neutral","sentiment_score":-0.1127486303448677},{"text":"Fuck that.","start":1111.76,"end":1112.595,"sentiment":"neutral","sentiment_score":-0.2440633326768875},{"text":"Yep.","start":1112.995,"end":1113.495,"sentiment":"neutral","sentiment_score":0.05188712477684021},{"text":"Yep.","start":1123.715,"end":1124.215,"sentiment":"neutral","sentiment_score":0.05581187456846237}],"sentiment":"neutral","sentiment_score":-0.0791136035695672,"num_words":8,"start":1110.5599,"end":1124.215},{"sentences":[{"text":"Yep.","start":1124.275,"end":1124.595,"sentiment":"neutral","sentiment_score":0.14533421397209167},{"text":"That sounds good.","start":1124.595,"end":1125.45,"sentiment":"positive","sentiment_score":0.5127025246620178},{"text":"I've been reading all 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worries.","start":1213.2001,"end":1213.8401,"sentiment":"neutral","sentiment_score":0.28683918714523315},{"text":"I'll I'll sign this now, and then I'll I'll port it off to you.","start":1213.8401,"end":1217.06,"sentiment":"neutral","sentiment_score":0.32035674686942783},{"text":"Okay.","start":1219.68,"end":1220.0,"sentiment":"positive","sentiment_score":0.5252727270126343},{"text":"You too.","start":1220.0,"end":1220.4801,"sentiment":"positive","sentiment_score":0.5104245543479919},{"text":"Bye.","start":1220.4801,"end":1220.9801,"sentiment":"positive","sentiment_score":0.342864990234375}],"sentiment":"positive","sentiment_score":0.34738298282027247,"num_words":20,"start":1213.2001,"end":1220.9801},{"sentences":[{"text":"See you.","start":1223.04,"end":1223.559,"sentiment":"neutral","sentiment_score":0.12385622784495354}],"sentiment":"neutral","sentiment_score":0.12385622784495354,"num_words":2,"start":1223.04,"end":1223.559}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Dustin. It's Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Yeah. Good. Thanks. How are you?\n\nChannel 0: Yeah. Very well. Thank you. I had you booked in just to go through your updated statement of advice to look at the changes to your investments. Is now still a good time?\n\nChannel 1: Yeah. Yeah. It's fine. Yep.\n\nChannel 0: Oh, fantastic. And you're still off this week. How's everything going?\n\nChannel 1: Yeah. Yeah. I've got two\n\nChannel 0: Yeah.\n\nChannel 1: more days till I get these pictures\n\nChannel 0: Oh,\n\nChannel 1: taken out\n\nChannel 0: lovely.\n\nChannel 1: and back to work\n\nChannel 0: And everything's\n\nChannel 1: Thursday.\n\nChannel 0: oh, and everything's healing really well. You're getting\n\nChannel 1: I\n\nChannel 0: back on your feet slowly.\n\nChannel 1: no. No. I'll be alright, I think. I\n\nChannel 0: Yeah.\n\nChannel 1: hope. I'll find out on Wednesday afternoon.\n\nChannel 0: Oh, we'll cross our fingers there for you.\n\nChannel 1: Thank you.\n\nChannel 0: All good. I have to send you through an email with the statement of advice. So are you able to jump into your emails just to have a look at that one with me? Fantastic. And\n\nChannel 1: Yep.\n\nChannel 0: just while that is coming through, I'll just do a quick security check there with you. And just\n\nChannel 1: Yep.\n\nChannel 0: to confirm, we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic. And I'll just get you to confirm your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Dustin Zabowski. Twenty seven nine eighty nine. 102 Gangnegan Road out of Bay, New South\n\nChannel 0: Beautiful. Thank you so much for that. Hopefully, the email pops through to you fairly\n\nChannel 1: Wales. Yeah.\n\nChannel 0: quickly.\n\nChannel 1: I've got it. I've\n\nChannel 0: You\n\nChannel 1: got\n\nChannel 0: never\n\nChannel 1: it here\n\nChannel 0: know\n\nChannel 1: with\n\nChannel 0: with technology. Oh, good. Excellent. So when you open the email there, it does have a little button that says to sign. You can just press that button to go forward the same as you did with the annual review documents just so you can view the documents there.\n\nI'll never ask you to sign anything you haven't read, and after the call, you'll be able to go back and have a really good read of the email prior to you signing and taking the advice. Okay?\n\nChannel 1: Yep. Alright.\n\nChannel 0: Excellent. So on the front page there, it will note prepared for yourself with your name as of the 07/20/2026. So we date it for the date of the presentation just so you have sixty days to take on the advice. All of that advice is valid for sixty days after the call. Okay?\n\nChannel 1: Yep.\n\nChannel 0: On the bottom page, it has my authorized representative information. So I'm a licensed financial adviser. I'm registered through, and my registration number is 1304394.\n\nChannel 1: Yep.\n\nChannel 0: With regards to the advice we're looking at is simply sorry. Simply just so far. So it is about looking at, you know, what you have in your super fund, how you are invested there, and making sure that you are working towards your goal. You were hoping to obviously retire around about the age of 60. Target income was about $1,500 per week in retirement.\n\nYou are still young and have a lot of time in your side, so that could absolutely change down the track. So this is what we're tracking forward at the moment there. So we have we'll had a look at your super fund as well as, you know, how you are invested just to make sure that things are working harder for you and making any changes that we need to. Okay?\n\nChannel 1: Yep.\n\nChannel 0: With the limited scoping side of things, so page number four, we have it scoped into a limited scope just your insurances. So you have life and TP that are paid out of your super fund. You were happy with the policy that you do have, not wanting\n\nChannel 1: Yeah.\n\nChannel 0: to make\n\nChannel 1: I've\n\nChannel 0: any\n\nChannel 1: gotten\n\nChannel 0: changes\n\nChannel 1: it\n\nChannel 0: to\n\nChannel 1: signed.\n\nChannel 0: that.\n\nChannel 1: I'll\n\nChannel 0: Yep.\n\nChannel 1: or the MetLife thing. I'll do I can I just scan it and send it back to you guys?\n\nChannel 0: The the\n\nChannel 1: MetLife\n\nChannel 0: oh, the\n\nChannel 1: full?\n\nChannel 0: beneficiary. Sorry. Yes. My apologies. I've met lots of beneficiary nominations.\n\nYou can. You can absolutely\n\nChannel 1: Sorry.\n\nChannel 0: just do that. Yeah.\n\nChannel 1: I'll get my\n\nChannel 0: Yeah.\n\nChannel 1: wife to do it on Wednesday at work.\n\nChannel 0: Yeah. That's absolutely fine. It's not a problem at all. That's I'm sorry for that confusion there.\n\nChannel 1: No. You're alright. I thought\n\nChannel 0: So,\n\nChannel 1: I'd jump\n\nChannel 0: yeah,\n\nChannel 1: the\n\nChannel 0: we've\n\nChannel 1: gun there.\n\nChannel 0: no. You're fine, honestly. So with the insurances, we're not making any changes, though, but we are scoping them into a limited basis. That's essentially saying that we understand you have the policy, that because they are paid out of super, there is an effect on your retirement income because these premiums do get more expensive as time goes on. So it does have an effect on how much you will end up in retirement.\n\nSo we do review that with you on a regular basis as part of the annual review, but with regards to the advice that we're not making any changes, but they have been factored into the projected outcome for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then areas that we're not looking at, personal investments, you were thinking about looking for ways to be able to retire earlier down the track. It was something you were gonna be wanting to discuss with your wife down there as well. I'm scoping out\n\nChannel 1: Yep.\n\nChannel 0: any personal investments at the moment. If you decide you would like to come back and have that conversation, let me know. Absolutely happy to help you in those areas. And then also cash flow and budgeting. You're also looking to try and do your new kitchen at some point.\n\nI didn't really wanna be accessing the funds in your offset account. Yes. But it is on the list of things to do. So I've scoped out areas of cash flow and budgeting with regards to that at the moment. I've scoped out trauma as well.\n\nSo you do have your life and TPD paid out of super, and you do have your income protection policy through Union. We did discuss additional trauma policies like trauma and child trauma paid out of pocket. You didn't wanna look at getting any additional insurances at the time. However, if down the track you do wanna have more of a conversation, look at any additional covers, let me know. I'm more than happy to help you and look at providing additional advice in those areas for you.\n\nOkay?\n\nChannel 1: Okay.\n\nChannel 0: And then also with regards to your mortgage, you are paying that down. You are hoping to have that paid off by the time you hit retirement there. We're not providing any advice on the draw of the paying down of the mortgages. If you did wanna speak to a mortgage broker and have that reviewed or look at getting additional advice in those areas, let me know. So the areas of scoping out is just where we're not providing advice at the moment.\n\nHowever, down the track, if you did want additional services or advice, just let us know. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. Now to make this one a little bit easier for you, I'll take you through just the sections that we do need to go through, and then I'll let you go back and have a bit of a read through the document. We do outline all the recommendations in a bit of detail there. But if you head down to page number 20 for you for me. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: This has\n\nChannel 1: I'm on\n\nChannel 0: got\n\nChannel 1: that page\n\nChannel 0: the heading fantastic. So you can see all the different buyers and sales investments, which is that we're looking at. So what I did do is I did go back and have a look at Hub twenty four as a super platform. Have had a look at it. There's no real changes that needs to be made with the platform\n\nChannel 1: now.\n\nChannel 0: itself. So I'm recommending we do retain the platform within Hub twenty four. However, we did sort of talk about some of your investments being underperforming, and we do wanna look at maybe updating the portfolio to reflect changes in the market conditions, but also a portfolio that's showing greater past performance, which can have a much greater effect on your super down the track. So the changes that we are looking at making here, we are gonna sell off all the Global X battery and lithium tech. We are gonna remove the Ben along Australian equities.\n\nThat is the investment we discussed has been underperforming there with the the issues they have with the corporate traveler investment. We're also looking at removing the bank hybrids for you. So bank hybrids are more of a compact kind of defensive investment, but they are being phased out by the government in the next couple of years. So it is worthwhile removing those from your portfolio now.\n\nChannel 1: Okay.\n\nChannel 0: I'm\n\nChannel 1: How\n\nChannel 0: also\n\nChannel 1: much have I lost on those ones?\n\nChannel 0: the then along Australian equities, I'll show you the the CGT shortly if you like.\n\nChannel 1: Okay.\n\nChannel 0: I'll just\n\nChannel 1: Yeah.\n\nChannel 0: go\n\nChannel 1: Alright.\n\nChannel 0: through\n\nChannel 1: Kick\n\nChannel 0: this,\n\nChannel 1: on.\n\nChannel 0: and, yeah, you're right. I'm also removing the China new economy there as well. So, essentially, China hasn't really come out of COVID the way it has. It has been quite a lot of ups and downs to China, so we are looking to remove them from your portfolio as well. Haven't quite performed the way we wanted them to.\n\nWith physical gold there at the moment has been really good. It's worth retaining in your portfolio, but you are a bit overexposed. So we're just reducing it back a little bit to 7%. We're keeping it there, so we're just cementing some of the gains that that has been and redistributing those across your portfolio there. We're\n\nChannel 1: Yes.\n\nChannel 0: also looking at the cybersecurity. You do have that. It has been down a little bit this year with the major sell off in the sort of IT and cybersecurity side of things. It is still a good investment to have. So I do wanna retain that in your portfolio.\n\nAgain, you've got about 8% in there at the moment. We just wanna hold about seven total, so we're just gonna reduce that back a little bit for you. With\n\nChannel 1: Yep.\n\nChannel 0: the S and P 500, we do wanna keep exposure into, The US market, so we are keeping that in your portfolio. You do have about 33% there at the moment, so just reducing that back to 25 for you. Again, it's just about making sure we're keeping you within the risk level and cementing gains where we need to as well with the Van Dyck Australian property. So with that one, their property has had a bit of a pullback. It is also having a bit of a pullback at the moment, so we are looking to remove that one investment out of your portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: I don't\n\nChannel 0: then you\n\nChannel 1: think it's going that well.\n\nChannel 0: No. Definitely not. And then\n\nChannel 1: Yeah.\n\nChannel 0: the RAFT a 200 there as well. So that investment is still good. I do wanna keep exposure into the Australian market. So we are just gonna reduce it back to 15% there. So just a small rebalance of that portfolio of that investment.\n\nChannel 1: Yep.\n\nChannel 0: India is still a a great place of growth, so we are looking to buy into that area, giving you exposure. Healthcare, global healthcare gives you diversification because it is healthcare across the globe, so it's in the entire world. And we're gonna hold about 7% of that investment and buy in there for you. Because we're getting rid of the ban along Australian equities like we discussed last time, we still wanna hold Australian equity exposure of us. So I'm gonna invest you into the BetaShares a 200.\n\nNow this is more of a passively managed investment, but it is giving you greater diversification. So whilst it has been greater past performance, it's cheaper as an investment. It's actually giving you great diversification. Because instead of holding, say, 15 or 20 different investments within Benelon, we're giving you exposures to the top 200 companies on the ASX. So it does work out much more to your advantage, and we'll hold about 10 there.\n\nI know it is definitely we don't wanna kinda overexpose into that area. And because you have the Raffi a 200 there as well, that essentially gives you about 25 total exposure in the Australian equity market. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: We did also talk about holding a little bit of actively managed funds there as well. So we've got the JPMorgan Global re Global Research Enhanced Equity Fund. This one here, we wanna hold about 15% there. This essentially is introducing an actively managed global equity component through that fund. They are about 15% of the fund is actively managed.\n\nSo it's a cheap investment. It's actually not that expensive to hold. Part of it is actively managed. Part of it is passively managed, and they have done very well in the past. So, you know, JPMorgan is a really good research house.\n\nThey have great material, and this gives you global exposure as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then because we are getting rid of the bank hybrids, we still wanna have some low risk defensive investments there. So we're gonna look at core composite bonds. This is giving you exposure to bonds, both in Australia as well as overseas. We're looking at government and corporate bonds. So bonds that have been around for a long time.\n\nThey do pay regular income payments, and we do want that from our defensive investments. Even at the age that you are, we're taking on more risk in the market. We still wanna have some defensive assets, have some income being produced out of the investments that gets paid into your cash account and redistributed through your portfolio for compounding effects moving forward. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Excellent. If you go down to the next page there, you'll see at the moment you've got about 12,000 in cash. The accounts cash balance is a little bit high. We are going to invest about 8,000 into the portfolio. We only really wanna hold a minimum amount of cash within your super funds.\n\nSo the minimum requirement is 1.25% of your balance there. So, essentially, we are gonna take a nice chunk of that and reinvest it back into the portfolio for you. Okay.\n\nChannel 1: Yep. Sorry. I\n\nChannel 0: Excellent.\n\nChannel 1: have a lost. What's going on?\n\nChannel 0: No. You're fine. If you go to page 23, this is the page you kind of wanna see. This is kinda outlining the the reasoning and the\n\nChannel 1: Mhmm.\n\nChannel 0: CDT and the cost side of it for you. Has it the heading fee comparison. You can see that one there, Dustin.\n\nChannel 1: Oh, so just I'm only losing $200. Is that right?\n\nChannel 0: That's exactly right. Yes. So to make all of those changes, the expected CGT on the portfolio is only $212. So that's essentially what I wanted to try and do is make the changes, put you in a portfolio that had greater past performance, which can give you greater potential future performance that minimize the CGT cost as much as possible. So, yeah, your fund is only expected to pay $212 in tax for making those changes.\n\nChannel 1: Yep.\n\nChannel 0: There's no change to the admin fees because you're staying in Hub 24. I'm not changing the platform at all. But you'll also see that the investment fees, it's expected to save you $469 for the first year on investment fees, which is a pretty good saving.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: Yeah. Yeah. Obviously, the ongoing service fee does continue there. That is for our services, making sure we update the advice, do reviews, and things like that for you. Your contributions are still coming out.\n\nNow one of the things and I Samantha made that call the other day. One of the things I noted when we were doing the research was with your income being slightly higher, your income your contributions going in do fluctuate a little bit as well. So there is a risk that you're gonna go over the cap for the year. So we just wanted to make sure that you had some catch up contributions from the last couple of years. It\n\nChannel 1: Yes.\n\nChannel 0: does mean that because you are expected to exceed the contributions cap this financial year, with your balance being under 500,000 as at July 30 last financial year. And you with what you sent us, you do have extra catch up space there. So there is no problem. It means that you can continue to salary sacrifice that 5% of your of your\n\nChannel 1: Yeah.\n\nChannel 0: of your employment income. I will obviously just make sure I do check into your super fund every couple of months and just double check the contributions that are coming out just to make sure that it all stays within the allowable caps and things like that. That we're not eating way too much of your of your carry forward contributions that you have quite a lot. You had just under a 100 k available to you from the previous five financial years. So it shouldn't be any major problem there.\n\nWe'll just maybe making sure as we move forward that we do monitor that. We obviously wanna make sure you get access to your catch up contributions as long as possible. But as soon as your balance reaches that $500,000 mark as at June 30, the following year down the track, you will actually lose lose access to those. So after that, we'll have to be very careful about your salary sacrifice. So right now, it's not a problem at all.\n\nOkay?\n\nChannel 1: I can I'll still get another\n\nChannel 0: K.\n\nChannel 1: year before I have\n\nChannel 0: You\n\nChannel 1: to worry.\n\nChannel 0: still yeah. Absolutely. So you'll see at the bottom there, the high growth portfolio that you were in, look, it hasn't been returning terrible returns. However, the newer one when we completed the research has averaged about 11.92% there on a yearly basis. So the longest it's able to get that kind of a return moving forward, you can kinda see projected over the next five to ten years.\n\nYou could be in a much greater position. And, look, I'd love to see you with over a million dollars in super in the next ten years. That is just the projected so I do like to make sure you're aware. We do take projections with a grain of salt. Obviously, market\n\nChannel 1: Yeah.\n\nChannel 0: conditions can vary, and you are taking on a higher level of risk in the high growth portfolio. So some years, you'll get a 20% return, 15% return, or a negative return is expected, generally, every one and every five years. So, it's just about monitoring things. We'll keep seeing how it's all going, and keep projecting it out for you every couple of years to see what's expected there. But the the fact that the portfolio that we're moving you into has over the past five years averaged about 11.92%.\n\nWhen you project that over the next five to ten years, you could receive close to that, and it could see your portfolio grow very, very high, especially as your contributions and your income is high as well. That does make have a difference on your super fund and does help it grow. Yeah.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yeah. All good.\n\nChannel 1: Alright.\n\nChannel 0: The only the only other thing I sort of wanted to make mention was I have included in the state planning side of things. We are updating your life beneficiary nominations. So, yeah, once you guys get that back to us, we'll have it applied. Both the nominations as per our last conversation are binding lapsing, so it does mean we just have to make sure they are updated every three years. But I'll make sure our team are aware of that, and we'll make sure we review that with you and have those updated as you need to.\n\nAnd then I've also included in there the recommendation to continue your salary sacrifice exactly as it is because\n\nChannel 1: Yep.\n\nChannel 0: we are aware that you will go over the cap this year depending on your income, but you do have catch up contributions. So you can look honestly, going over the cap now and utilizing those carry forward contributions is a good idea now rather than later because of the compounding effect.\n\nChannel 1: Yep.\n\nChannel 0: It's easier to sort of have a higher contribution level now and reduce that down the track because, obviously, the longer your money stays invested for, the higher the compounding effect works for you. So\n\nChannel 1: Okay.\n\nChannel 0: it\n\nChannel 1: Cool.\n\nChannel 0: is absolutely worth doing. I wanted to keep that sort of fairly brief there for you and let you go back and have a really good read of the document. But are there any questions that might have come out of that now at all?\n\nChannel 1: No. Not really. I'm just so I've got another year of just salary sacrificing as I am,\n\nChannel 0: Yep.\n\nChannel 1: And then just because what are you allowed to title contributions to your salary sec or super?\n\nChannel 0: Yeah. Concessional this financial year is 32,500.\n\nChannel 1: And what\n\nChannel 0: You're\n\nChannel 1: did\n\nChannel 0: allowed\n\nChannel 1: I do?\n\nChannel 0: to go at the moment, it's expected that your total contributions would be about 38,000 for this year.\n\nChannel 1: If I keep the same income.\n\nChannel 0: Yeah. Yep. Yep. So yeah. But you do have carry four concessional contributions.\n\nThat shouldn't be a problem. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Awesome.\n\nChannel 0: It's all good.\n\nChannel 1: Yep.\n\nChannel 0: No worries at all. I've got a little thing in my calendar. So every couple of months about every three to four months, I do check your Superfund to see how it is going. Just double check the balance and double check the contributions coming in. So if I feel there is an issue, I will definitely let you know.\n\nChannel 1: Yep.\n\nChannel 0: Did you wanna do a bit of a review maybe in six months' time just to do a bit of\n\nChannel 1: Yeah.\n\nChannel 0: a catch up and\n\nChannel 1: I reckon,\n\nChannel 0: see how\n\nChannel 1: sir.\n\nChannel 0: things\n\nChannel 1: Yeah.\n\nChannel 0: are going\n\nChannel 1: Fuck\n\nChannel 0: as well?\n\nChannel 1: that.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. We'll do it just before Christmas. That way, you've had a bit of a catch up and can enjoy your Christmas break, and then we'll do another review in twelve months there for you as well. How does that sound,\n\nChannel 1: Yep.\n\nChannel 0: Austin?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Beautiful. And if you enjoy reading, depending on how much spare time you have while you're off for the next few days, Attached to the order sign, I have also got the product disclosure statements for all the products that we have recommended. We've got your MetLife insurance information there for you as well and the financial services guide. So some people do wanna have a bit of a read through that, others not so much. This depends on how much time you have on your hands and how keen you are to have a read of some compliance\n\nChannel 1: I've been\n\nChannel 0: information.\n\nChannel 1: reading all day. Yep.\n\nChannel 0: And then in the document there, I do have the best interest, the the advantages, the disadvantages, and the risks of the strategies that we have in place in the document for you to review as well. Okay?\n\nChannel 1: Yep. No. It's alright. I'm pretty happy with\n\nChannel 0: Yep.\n\nChannel 1: this.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright. I'll sign this off, and then we'll just move forward, I guess.\n\nChannel 0: Yeah. Absolutely. No\n\nChannel 1: Yeah.\n\nChannel 0: worries at all. There's also a the SOA attached as an attachment to your email, so you can always open it, review it at any time if you like to. Obviously, the best thing is because, obviously, with Ben along being down and some of the underperformance of the funds, having the investments which completed now is really important to kinda get it all in place. It does take a little bit of time to get the investments which completed. So, yeah, once you are happy to sign and return that back, we'll just move forward with the switch and get it all done for you nice and quickly.\n\nOkay.\n\nChannel 1: Okay. Cool. Alright.\n\nChannel 0: Easy. No worries. Well, good luck going back to work this week. I hope it all goes well for you.\n\nChannel 1: Yeah. No worries. I'll I'll sign this now, and then I'll I'll port it off to you.\n\nChannel 0: Legend. You have a lovely night.\n\nChannel 1: Okay. You too. Bye.\n\nChannel 0: Thanks, Justin. See you later.\n\nChannel 1: See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.03934457525610924}],"sentiment":"neutral","sentiment_score":0.03934457525610924,"channel":1,"num_words":1,"start":2.24,"end":2.74},{"sentences":[{"text":"Hi, Dustin.","start":3.4399998,"end":4.08,"sentiment":"neutral","sentiment_score":0.16432546079158783},{"text":"It's Dana from OQ Financial.","start":4.08,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.17091327607631684},{"text":"How are you this afternoon?","start":5.92,"end":7.14,"sentiment":"neutral","sentiment_score":0.24735127985477448}],"sentiment":"neutral","sentiment_score":0.20166447510321936,"channel":0,"num_words":12,"start":3.4399998,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.6,"sentiment":"neutral","sentiment_score":0.2575008273124695},{"text":"Good.","start":7.6,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5504171848297119},{"text":"Thanks.","start":7.8399997,"end":8.08,"sentiment":"positive","sentiment_score":0.5671549439430237},{"text":"How are you?","start":8.08,"end":8.9,"sentiment":"positive","sentiment_score":0.3395627637704213}],"sentiment":"positive","sentiment_score":0.3989602078994115,"channel":1,"num_words":6,"start":7.3599997,"end":8.9},{"sentences":[{"text":"Yeah.","start":8.96,"end":9.28,"sentiment":"neutral","sentiment_score":0.27691829204559326},{"text":"Very well.","start":9.28,"end":9.84,"sentiment":"positive","sentiment_score":0.5848394632339478},{"text":"Thank you.","start":9.84,"end":10.24,"sentiment":"positive","sentiment_score":0.6530014276504517},{"text":"I had you booked in just to go through your updated statement of advice to look at the changes to your investments.","start":10.24,"end":14.905,"sentiment":"neutral","sentiment_score":0.25015104900706897},{"text":"Is now still a good time?","start":14.905,"end":16.445,"sentiment":"neutral","sentiment_score":0.1943473294377327}],"sentiment":"neutral","sentiment_score":0.2855153675332214,"channel":0,"num_words":33,"start":8.96,"end":16.445},{"sentences":[{"text":"Yeah.","start":16.515,"end":16.755,"sentiment":"neutral","sentiment_score":0.1082134246826172},{"text":"Yeah.","start":16.755,"end":16.915,"sentiment":"neutral","sentiment_score":0.1497953236103058},{"text":"It's fine.","start":16.915,"end":17.555,"sentiment":"neutral","sentiment_score":0.21598468720912933},{"text":"Yep.","start":17.555,"end":18.055,"sentiment":"neutral","sentiment_score":0.1945643424987793}],"sentiment":"neutral","sentiment_score":0.1769084930419922,"channel":1,"num_words":5,"start":16.515,"end":18.055},{"sentences":[{"text":"Oh, fantastic.","start":18.425,"end":19.244999,"sentiment":"positive","sentiment_score":0.5796411335468292},{"text":"And you're still off this week.","start":19.625,"end":21.465,"sentiment":"neutral","sentiment_score":0.2283801039059957},{"text":"How's everything going?","start":21.465,"end":22.685,"sentiment":"neutral","sentiment_score":0.2043851613998413}],"sentiment":"neutral","sentiment_score":0.28570167042992334,"channel":0,"num_words":11,"start":18.425,"end":22.685},{"sentences":[{"text":"Yeah.","start":22.994999,"end":23.314999,"sentiment":"neutral","sentiment_score":0.0821029469370842},{"text":"Yeah.","start":23.314999,"end":23.555,"sentiment":"neutral","sentiment_score":0.07228361070156097},{"text":"I've got two","start":23.555,"end":24.275,"sentiment":"neutral","sentiment_score":0.05657683312892914}],"sentiment":"neutral","sentiment_score":0.06482341140508652,"channel":1,"num_words":5,"start":22.994999,"end":24.275},{"sentences":[{"text":"Yeah.","start":24.265,"end":24.765,"sentiment":"neutral","sentiment_score":0.05245739966630936}],"sentiment":"neutral","sentiment_score":0.05245739966630936,"channel":0,"num_words":1,"start":24.265,"end":24.765},{"sentences":[{"text":"more days till I get these pictures","start":24.275,"end":25.875,"sentiment":"neutral","sentiment_score":0.044540115499070713}],"sentiment":"neutral","sentiment_score":0.044540115499070713,"channel":1,"num_words":7,"start":24.275,"end":25.875},{"sentences":[{"text":"Oh,","start":25.64,"end":26.14,"sentiment":"neutral","sentiment_score":0.22058597207069397}],"sentiment":"neutral","sentiment_score":0.22058597207069397,"channel":0,"num_words":1,"start":25.64,"end":26.14},{"sentences":[{"text":"taken out","start":25.875,"end":26.695,"sentiment":"positive","sentiment_score":0.44622644782066345}],"sentiment":"positive","sentiment_score":0.44622644782066345,"channel":1,"num_words":2,"start":25.875,"end":26.695},{"sentences":[{"text":"lovely.","start":27.32,"end":27.82,"sentiment":"positive","sentiment_score":0.4920632839202881}],"sentiment":"positive","sentiment_score":0.4920632839202881,"channel":0,"num_words":1,"start":27.32,"end":27.82},{"sentences":[{"text":"and back to work","start":27.38,"end":28.179998,"sentiment":"neutral","sentiment_score":0.16904029622673988}],"sentiment":"neutral","sentiment_score":0.16904029622673988,"channel":1,"num_words":4,"start":27.38,"end":28.179998},{"sentences":[{"text":"And everything's","start":27.88,"end":28.54,"sentiment":"neutral","sentiment_score":0.17543452233076096}],"sentiment":"neutral","sentiment_score":0.17543452233076096,"channel":0,"num_words":2,"start":27.88,"end":28.54},{"sentences":[{"text":"Thursday.","start":28.179998,"end":28.679998,"sentiment":"neutral","sentiment_score":0.22798839211463928}],"sentiment":"neutral","sentiment_score":0.22798839211463928,"channel":1,"num_words":1,"start":28.179998,"end":28.679998},{"sentences":[{"text":"oh, and everything's healing really well.","start":29.16,"end":30.92,"sentiment":"positive","sentiment_score":0.47000613311926526},{"text":"You're getting","start":30.92,"end":31.48,"sentiment":"positive","sentiment_score":0.35868246853351593}],"sentiment":"positive","sentiment_score":0.4421752169728279,"channel":0,"num_words":8,"start":29.16,"end":31.48},{"sentences":[{"text":"I","start":31.326664,"end":31.826664,"sentiment":"neutral","sentiment_score":0.31695321202278137}],"sentiment":"neutral","sentiment_score":0.31695321202278137,"channel":1,"num_words":1,"start":31.326664,"end":31.826664},{"sentences":[{"text":"back on your feet slowly.","start":31.48,"end":32.78,"sentiment":"neutral","sentiment_score":0.3231964111328125}],"sentiment":"neutral","sentiment_score":0.3231964111328125,"channel":0,"num_words":5,"start":31.48,"end":32.78},{"sentences":[{"text":"no.","start":33.22,"end":33.46,"sentiment":"neutral","sentiment_score":-0.09976078569889069},{"text":"No.","start":33.46,"end":33.62,"sentiment":"neutral","sentiment_score":-0.13246124982833862},{"text":"I'll be alright, I think.","start":33.62,"end":34.899998,"sentiment":"neutral","sentiment_score":-0.035161948390305044},{"text":"I","start":34.899998,"end":35.059998,"sentiment":"neutral","sentiment_score":0.02118651941418648}],"sentiment":"neutral","sentiment_score":-0.048355657258071005,"channel":1,"num_words":8,"start":33.22,"end":35.059998},{"sentences":[{"text":"Yeah.","start":35.0,"end":35.5,"sentiment":"neutral","sentiment_score":0.09678211808204652}],"sentiment":"neutral","sentiment_score":0.09678211808204652,"channel":0,"num_words":1,"start":35.0,"end":35.5},{"sentences":[{"text":"hope.","start":35.059998,"end":35.379997,"sentiment":"neutral","sentiment_score":0.11815012991428377},{"text":"I'll find out on Wednesday afternoon.","start":35.379997,"end":37.0,"sentiment":"neutral","sentiment_score":0.1035057504971822}],"sentiment":"neutral","sentiment_score":0.10559780469962529,"channel":1,"num_words":7,"start":35.059998,"end":37.0},{"sentences":[{"text":"Oh, we'll cross our fingers there for 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you.","start":233.595,"end":243.45999,"sentiment":"neutral","sentiment_score":0.11342415055260062},{"text":"Okay?","start":243.45999,"end":243.95999,"sentiment":"neutral","sentiment_score":0.060692839324474335}],"sentiment":"neutral","sentiment_score":0.1121380210104512,"channel":0,"num_words":41,"start":233.595,"end":243.95999},{"sentences":[{"text":"Yep.","start":244.67,"end":245.17,"sentiment":"neutral","sentiment_score":0.07218222320079803}],"sentiment":"neutral","sentiment_score":0.07218222320079803,"channel":1,"num_words":1,"start":244.67,"end":245.17},{"sentences":[{"text":"And then areas that we're not looking at, personal investments, you were thinking about looking for ways to be able to retire earlier down the track.","start":245.62,"end":252.81999,"sentiment":"neutral","sentiment_score":0.05702701368584083},{"text":"It was something you were gonna be wanting to discuss with your wife down there as 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areas.","start":262.495,"end":264.51498,"sentiment":"positive","sentiment_score":0.5888926163315773},{"text":"And then also cash flow and budgeting.","start":264.815,"end":266.41498,"sentiment":"neutral","sentiment_score":0.1380516758986882},{"text":"You're also looking to try and do your new kitchen at some point.","start":266.41498,"end":270.035,"sentiment":"neutral","sentiment_score":0.13492102004014528}],"sentiment":"neutral","sentiment_score":0.19701428331434725,"channel":0,"num_words":50,"start":257.13498,"end":270.035},{"sentences":[{"text":"I didn't really wanna be accessing the funds in your offset account.","start":270.335,"end":273.5,"sentiment":"neutral","sentiment_score":-0.013806570631762346},{"text":"Yes.","start":273.5,"end":273.66,"sentiment":"neutral","sentiment_score":0.060225676745176315},{"text":"But it is on the list of things to do.","start":273.66,"end":275.58002,"sentiment":"neutral","sentiment_score":0.05835951268672943},{"text":"So I've scoped out areas of cash flow and budgeting with regards to that at the moment.","start":275.58002,"end":279.52002,"sentiment":"neutral","sentiment_score":0.053087249398231506},{"text":"I've scoped out trauma as well.","start":281.1,"end":282.86002,"sentiment":"neutral","sentiment_score":0.04111457305649916}],"sentiment":"neutral","sentiment_score":0.03537636161174463,"channel":0,"num_words":46,"start":270.335,"end":282.86002},{"sentences":[{"text":"So you do have your life and TPD paid out of super, and you do have your income protection policy through Union.","start":282.86002,"end":288.645,"sentiment":"neutral","sentiment_score":0.0767604283649813},{"text":"We did discuss additional trauma policies like trauma and child trauma paid out of pocket.","start":289.185,"end":294.865,"sentiment":"neutral","sentiment_score":0.04565521851181984},{"text":"You didn't wanna look at getting any additional insurances at the time.","start":294.865,"end":298.565,"sentiment":"neutral","sentiment_score":-0.005846493101368348},{"text":"However, if down the track you do wanna have more of a conversation, look at any additional covers, let me know.","start":298.83,"end":303.55,"sentiment":"neutral","sentiment_score":0.0946216592121692},{"text":"I'm more than happy to help you and look at providing additional advice in those areas for 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there.","start":312.885,"end":316.005,"sentiment":"neutral","sentiment_score":0.03621026501059532},{"text":"We're not providing any advice on the draw of the paying down of the mortgages.","start":316.005,"end":319.365,"sentiment":"neutral","sentiment_score":-0.2897103071212769},{"text":"If you did wanna speak to a mortgage broker and have that reviewed or look at getting additional advice in those areas, let me know.","start":319.365,"end":325.625,"sentiment":"neutral","sentiment_score":-0.024123064577579498},{"text":"So the areas of scoping out is just where we're not providing advice at the moment.","start":325.72998,"end":329.81,"sentiment":"neutral","sentiment_score":-0.0913844860624522}],"sentiment":"neutral","sentiment_score":-0.0628978084506733,"channel":0,"num_words":84,"start":309.71,"end":329.81},{"sentences":[{"text":"However, down the track, if you did want additional services or advice, just let us know.","start":329.81,"end":334.05,"sentiment":"neutral","sentiment_score":0.03815958963241428},{"text":"Okay?","start":334.05,"end":334.55,"sentiment":"neutral","sentiment_score":0.04588477313518524}],"sentiment":"neutral","sentiment_score":0.03861401219140081,"channel":0,"num_words":17,"start":329.81,"end":334.55},{"sentences":[{"text":"Okay.","start":335.245,"end":335.745,"sentiment":"neutral","sentiment_score":0.1929648220539093}],"sentiment":"neutral","sentiment_score":0.1929648220539093,"channel":1,"num_words":1,"start":335.245,"end":335.745},{"sentences":[{"text":"Excellent.","start":336.21,"end":336.71,"sentiment":"positive","sentiment_score":0.6056448221206665},{"text":"Now to make this one a little bit easier for you, I'll take you through just the sections that we do need to go through, and then I'll let you go back and have a bit of a read through the document.","start":336.93,"end":345.405,"sentiment":"neutral","sentiment_score":0.3089547235341299},{"text":"We do outline all the recommendations in a bit of detail there.","start":345.625,"end":348.585,"sentiment":"neutral","sentiment_score":0.20566860462228456},{"text":"But if you head down to page number 20 for you for me.","start":348.585,"end":351.865,"sentiment":"neutral","sentiment_score":0.08097828093629617},{"text":"Sorry.","start":351.865,"end":352.365,"sentiment":"neutral","sentiment_score":0.01105235517024994}],"sentiment":"neutral","sentiment_score":0.2480222677299078,"channel":0,"num_words":69,"start":336.21,"end":352.365},{"sentences":[{"text":"Yeah.","start":352.78,"end":353.18,"sentiment":"neutral","sentiment_score":0.07679629325866699}],"sentiment":"neutral","sentiment_score":0.07679629325866699,"channel":1,"num_words":1,"start":352.78,"end":353.18},{"sentences":[{"text":"This 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fantastic.","start":353.625,"end":355.57,"sentiment":"neutral","sentiment_score":0.3183318277200063},{"text":"So you can see all the different buyers and sales investments, which is that we're looking at.","start":355.71002,"end":359.73,"sentiment":"neutral","sentiment_score":0.20139229648253498},{"text":"So what I did do is I did go back and have a look at Hub twenty four as a super platform.","start":359.87,"end":364.69,"sentiment":"neutral","sentiment_score":0.11397781206125562},{"text":"Have had a look at it.","start":364.91,"end":365.71002,"sentiment":"neutral","sentiment_score":0.04584330009917418},{"text":"There's no real changes that needs to be made with the 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past performance, which can have a much greater effect on your super down the track.","start":372.11502,"end":387.38998,"sentiment":"neutral","sentiment_score":-0.02948267302977351},{"text":"So the changes that we are looking at making here, we are gonna sell off all the Global X battery and lithium tech.","start":387.84998,"end":394.66998,"sentiment":"neutral","sentiment_score":0.007364485979728077},{"text":"We are gonna remove the Ben along Australian equities.","start":394.88998,"end":397.55,"sentiment":"neutral","sentiment_score":-0.03703998650113741}],"sentiment":"neutral","sentiment_score":-0.008118913518552928,"channel":0,"num_words":97,"start":368.355,"end":397.55},{"sentences":[{"text":"That is the investment we discussed has been underperforming there with the the issues they have with the corporate traveler investment.","start":397.77,"end":403.785,"sentiment":"neutral","sentiment_score":-0.1807919428462074},{"text":"We're also looking at removing the bank hybrids for 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have I lost on those ones?","start":418.92502,"end":421.02502,"sentiment":"neutral","sentiment_score":-0.18850963030542647}],"sentiment":"neutral","sentiment_score":-0.18850963030542647,"channel":1,"num_words":7,"start":418.92502,"end":421.02502},{"sentences":[{"text":"the then along Australian equities, I'll show you the the CGT shortly if you like.","start":422.46,"end":427.44,"sentiment":"neutral","sentiment_score":0.002113828695534418}],"sentiment":"neutral","sentiment_score":0.002113828695534418,"channel":0,"num_words":15,"start":422.46,"end":427.44},{"sentences":[{"text":"Okay.","start":427.4,"end":427.8,"sentiment":"neutral","sentiment_score":0.007930717431008816}],"sentiment":"neutral","sentiment_score":0.007930717431008816,"channel":1,"num_words":1,"start":427.4,"end":427.8},{"sentences":[{"text":"I'll 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yeah, you're right.","start":428.62,"end":430.21503,"sentiment":"neutral","sentiment_score":0.01819947874173522},{"text":"I'm also removing the China new economy there as well.","start":430.515,"end":433.635,"sentiment":"neutral","sentiment_score":-0.1188043437898159},{"text":"So, essentially, China hasn't really come out of COVID the way it has.","start":433.635,"end":437.55502,"sentiment":"neutral","sentiment_score":-0.2189899981021881},{"text":"It has been quite a lot of ups and downs to China, so we are looking to remove them from your portfolio as well.","start":437.55502,"end":442.515,"sentiment":"neutral","sentiment_score":-0.23713659743467966},{"text":"Haven't quite performed the way we wanted them to.","start":442.515,"end":444.93,"sentiment":"negative","sentiment_score":-0.4018855194250743}],"sentiment":"neutral","sentiment_score":-0.22117272519196074,"channel":0,"num_words":60,"start":428.62,"end":444.93},{"sentences":[{"text":"With physical gold there at the moment has been really good.","start":445.33,"end":447.97,"sentiment":"neutral","sentiment_score":0.22040572491559116},{"text":"It's worth retaining in your portfolio, but you are a bit overexposed.","start":447.97,"end":451.11,"sentiment":"neutral","sentiment_score":0.06253404977420966},{"text":"So we're just reducing it back a little bit to 7%.","start":451.33,"end":454.15,"sentiment":"neutral","sentiment_score":-0.0016118479384617372},{"text":"We're keeping it there, so we're just cementing some of the gains that that has been and redistributing those across your portfolio 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there.","start":525.89496,"end":528.69495,"sentiment":"neutral","sentiment_score":0.03524154323068532},{"text":"So just a small rebalance of that portfolio of that investment.","start":528.69495,"end":532.64,"sentiment":"neutral","sentiment_score":0.09288735789331523}],"sentiment":"neutral","sentiment_score":0.12115917329422453,"channel":0,"num_words":44,"start":519.255,"end":532.64},{"sentences":[{"text":"Yep.","start":533.61,"end":534.11,"sentiment":"neutral","sentiment_score":0.2272238731384277}],"sentiment":"neutral","sentiment_score":0.2272238731384277,"channel":1,"num_words":1,"start":533.61,"end":534.11},{"sentences":[{"text":"India is still a a great place of growth, so we are looking to buy into that area, giving you exposure.","start":533.98,"end":540.32,"sentiment":"positive","sentiment_score":0.3874151898281915},{"text":"Healthcare, global healthcare gives you diversification because it is healthcare across the globe, so it's in the entire 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market.","start":591.73,"end":599.83,"sentiment":"neutral","sentiment_score":0.18732175851861635},{"text":"Okay?","start":600.05,"end":600.55,"sentiment":"neutral","sentiment_score":0.0770498514175415}],"sentiment":"neutral","sentiment_score":0.1560881675073975,"channel":0,"num_words":38,"start":587.57,"end":600.55},{"sentences":[{"text":"Mhmm.","start":600.83496,"end":601.235,"sentiment":"neutral","sentiment_score":0.05636461079120636},{"text":"Yep.","start":601.235,"end":601.62,"sentiment":"neutral","sentiment_score":0.11004915088415146}],"sentiment":"neutral","sentiment_score":0.08320688083767891,"channel":1,"num_words":2,"start":600.83496,"end":601.62},{"sentences":[{"text":"We did also talk about holding a little bit of actively managed funds there as well.","start":602.005,"end":606.645,"sentiment":"neutral","sentiment_score":0.13897520303726196},{"text":"So we've got the JPMorgan Global re Global Research Enhanced Equity 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a lost.","start":708.87,"end":709.35,"sentiment":"neutral","sentiment_score":-0.14563753455877304},{"text":"What's going on?","start":709.35,"end":710.25,"sentiment":"neutral","sentiment_score":-0.043360052009423576}],"sentiment":"neutral","sentiment_score":-0.09449879328409831,"channel":1,"num_words":6,"start":708.87,"end":710.25},{"sentences":[{"text":"No.","start":710.51996,"end":710.75995,"sentiment":"neutral","sentiment_score":-0.0980800986289978},{"text":"You're fine.","start":710.75995,"end":711.66,"sentiment":"neutral","sentiment_score":0.029237570241093636},{"text":"If you go to page 23, this is the page you kind of wanna see.","start":712.19995,"end":715.87994,"sentiment":"neutral","sentiment_score":0.04656655291716258},{"text":"This is kinda outlining the the reasoning and 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projected over the next five to ten years.","start":904.415,"end":910.38,"sentiment":"neutral","sentiment_score":0.2247746798854608}],"sentiment":"neutral","sentiment_score":0.10944867657794469,"channel":0,"num_words":69,"start":887.32,"end":910.38},{"sentences":[{"text":"You could be in a much greater position.","start":910.38,"end":912.24,"sentiment":"neutral","sentiment_score":0.3032647371292114},{"text":"And, look, I'd love to see you with over a million dollars in super in the next ten years.","start":912.45996,"end":916.39996,"sentiment":"positive","sentiment_score":0.45589304911462886},{"text":"That is just the projected so I do like to make sure you're aware.","start":916.86,"end":921.055,"sentiment":"neutral","sentiment_score":0.01653261229928051},{"text":"We do take projections with a grain of salt.","start":921.055,"end":923.055,"sentiment":"neutral","sentiment_score":-0.04969233522812525},{"text":"Obviously, 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applied.","start":985.14996,"end":988.05,"sentiment":"neutral","sentiment_score":0.0957521301295076},{"text":"Both the nominations as per our last conversation are binding lapsing, so it does mean we just have to make sure they are updated every three years.","start":988.83,"end":996.37,"sentiment":"neutral","sentiment_score":0.05162339581659547},{"text":"But I'll make sure our team are aware of that, and we'll make sure we review that with you and have those updated as you need to.","start":996.675,"end":1002.775,"sentiment":"neutral","sentiment_score":0.0994525398645136}],"sentiment":"neutral","sentiment_score":0.0774786351718987,"channel":0,"num_words":99,"start":975.595,"end":1002.775},{"sentences":[{"text":"And then I've also included in there the recommendation to continue your salary sacrifice exactly as it is 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effect.","start":1016.88,"end":1026.425,"sentiment":"neutral","sentiment_score":0.1802636107494091}],"sentiment":"neutral","sentiment_score":0.12006446715587607,"channel":0,"num_words":52,"start":1010.16,"end":1026.425},{"sentences":[{"text":"Yep.","start":1026.32,"end":1026.82,"sentiment":"neutral","sentiment_score":0.16511517763137817}],"sentiment":"neutral","sentiment_score":0.16511517763137817,"channel":1,"num_words":1,"start":1026.32,"end":1026.82},{"sentences":[{"text":"It's easier to sort of have a higher contribution level now and reduce that down the track because, obviously, the longer your money stays invested for, the higher the compounding effect works for you.","start":1026.425,"end":1037.385,"sentiment":"neutral","sentiment_score":0.22985129891073003},{"text":"So","start":1037.385,"end":1037.885,"sentiment":"neutral","sentiment_score":0.20384958386421204}],"sentiment":"neutral","sentiment_score":0.2291083927665438,"channel":0,"num_words":35,"start":1026.425,"end":1037.885},{"sentences":[{"text":"Okay.","start":1037.855,"end":1038.335,"sentiment":"positive","sentiment_score":0.3770757019519806}],"sentiment":"positive","sentiment_score":0.3770757019519806,"channel":1,"num_words":1,"start":1037.855,"end":1038.335},{"sentences":[{"text":"it","start":1038.265,"end":1038.425,"sentiment":"positive","sentiment_score":0.466296911239624}],"sentiment":"positive","sentiment_score":0.466296911239624,"channel":0,"num_words":1,"start":1038.265,"end":1038.425},{"sentences":[{"text":"Cool.","start":1038.335,"end":1038.835,"sentiment":"positive","sentiment_score":0.682512640953064}],"sentiment":"positive","sentiment_score":0.682512640953064,"channel":1,"num_words":1,"start":1038.335,"end":1038.835},{"sentences":[{"text":"is absolutely worth doing.","start":1038.425,"end":1040.6,"sentiment":"positive","sentiment_score":0.7122639864683151},{"text":"I wanted to keep that sort of fairly brief there for you and let you go back and have a really good read of the document.","start":1041.14,"end":1046.5,"sentiment":"positive","sentiment_score":0.40036288935404557},{"text":"But are there any questions that might have come out of that now at all?","start":1046.5,"end":1049.88,"sentiment":"neutral","sentiment_score":0.05434399408598741}],"sentiment":"neutral","sentiment_score":0.31274779956373905,"channel":0,"num_words":45,"start":1038.425,"end":1049.88},{"sentences":[{"text":"No.","start":1050.65,"end":1051.13,"sentiment":"neutral","sentiment_score":-0.05238544940948486},{"text":"Not really.","start":1051.13,"end":1051.6901,"sentiment":"neutral","sentiment_score":-0.07577551156282425},{"text":"I'm just so I've got another year of just salary sacrificing as I 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all good.","start":1090.3999,"end":1091.6799,"sentiment":"positive","sentiment_score":0.573710302511851}],"sentiment":"positive","sentiment_score":0.573710302511851,"channel":0,"num_words":3,"start":1090.3999,"end":1091.6799},{"sentences":[{"text":"Yep.","start":1091.625,"end":1092.125,"sentiment":"neutral","sentiment_score":0.19893857836723328}],"sentiment":"neutral","sentiment_score":0.19893857836723328,"channel":1,"num_words":1,"start":1091.625,"end":1092.125},{"sentences":[{"text":"No worries at all.","start":1091.6799,"end":1092.88,"sentiment":"neutral","sentiment_score":0.1764938235282898},{"text":"I've got a little thing in my calendar.","start":1092.88,"end":1094.5599,"sentiment":"neutral","sentiment_score":0.2009878922253847},{"text":"So every couple of months about every three to four months, I do check your Superfund to see how it is going.","start":1094.5599,"end":1099.5399,"sentiment":"neutral","sentiment_score":0.1625365906141021},{"text":"Just double check the balance 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much.","start":1144.0399,"end":1148.2799,"sentiment":"neutral","sentiment_score":0.06449090448372505},{"text":"This depends on how much time you have on your hands and how keen you are to have a read of some compliance","start":1148.2799,"end":1152.94,"sentiment":"neutral","sentiment_score":0.03736426324948021}],"sentiment":"neutral","sentiment_score":0.13932520320469682,"channel":0,"num_words":99,"start":1126.08,"end":1152.94},{"sentences":[{"text":"I've been","start":1152.8,"end":1153.2001,"sentiment":"neutral","sentiment_score":0.04530709609389305}],"sentiment":"neutral","sentiment_score":0.04530709609389305,"channel":1,"num_words":2,"start":1152.8,"end":1153.2001},{"sentences":[{"text":"information.","start":1153.08,"end":1153.58,"sentiment":"neutral","sentiment_score":0.02561131864786148}],"sentiment":"neutral","sentiment_score":0.02561131864786148,"channel":0,"num_words":1,"start":1153.08,"end":1153.58},{"sentences":[{"text":"reading all day.","start":1153.2001,"end":1154.18,"sentiment":"neutral","sentiment_score":0.024688512086868286},{"text":"Yep.","start":1155.76,"end":1156.26,"sentiment":"neutral","sentiment_score":0.06633152812719345}],"sentiment":"neutral","sentiment_score":0.03509926609694958,"channel":1,"num_words":4,"start":1153.2001,"end":1156.26},{"sentences":[{"text":"And then in the document there, I do have the best interest, the the advantages, the disadvantages, and the risks of the strategies that we have in place in the document for you to review as well.","start":1155.7999,"end":1165.335,"sentiment":"neutral","sentiment_score":0.028152731322758907},{"text":"Okay?","start":1165.335,"end":1165.835,"sentiment":"neutral","sentiment_score":0.0410413071513176}],"sentiment":"neutral","sentiment_score":0.02849190437087887,"channel":0,"num_words":38,"start":1155.7999,"end":1165.835},{"sentences":[{"text":"Yep.","start":1165.68,"end":1166.0801,"sentiment":"neutral","sentiment_score":0.040527936071157455},{"text":"No.","start":1166.0801,"end":1166.24,"sentiment":"neutral","sentiment_score":0.010810170322656631},{"text":"It's alright.","start":1166.24,"end":1166.7201,"sentiment":"neutral","sentiment_score":0.0942659005522728},{"text":"I'm pretty happy 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sign this off, and then we'll just move forward, I guess.","start":1170.855,"end":1174.795,"sentiment":"neutral","sentiment_score":0.18131566296021143}],"sentiment":"neutral","sentiment_score":0.18642834287423354,"channel":1,"num_words":13,"start":1170.535,"end":1174.795},{"sentences":[{"text":"Yeah.","start":1174.3099,"end":1174.71,"sentiment":"neutral","sentiment_score":0.11623863875865936},{"text":"Absolutely.","start":1174.71,"end":1175.21,"sentiment":"neutral","sentiment_score":0.1244352161884308},{"text":"No","start":1175.6699,"end":1175.9099,"sentiment":"neutral","sentiment_score":0.09035291522741318}],"sentiment":"neutral","sentiment_score":0.11034225672483444,"channel":0,"num_words":3,"start":1174.3099,"end":1175.9099},{"sentences":[{"text":"Yeah.","start":1175.735,"end":1176.235,"sentiment":"neutral","sentiment_score":0.04941147565841675}],"sentiment":"neutral","sentiment_score":0.04941147565841675,"channel":1,"num_words":1,"start":1175.735,"end":1176.235},{"sentences":[{"text":"worries at all.","start":1175.9099,"end":1176.95,"sentiment":"neutral","sentiment_score":0.05449399848779043},{"text":"There's also a the SOA attached as an attachment to your email, so you can always open it, review it at any time if you like to.","start":1176.95,"end":1184.435,"sentiment":"neutral","sentiment_score":0.10078344066385869},{"text":"Obviously, the best thing is because, obviously, with Ben along being down and some of the underperformance of the funds, having the investments which completed now is really important to kinda get it all in place.","start":1184.435,"end":1194.275,"sentiment":"neutral","sentiment_score":0.12023245439761215},{"text":"It does take a little bit of time to get the investments which completed.","start":1194.275,"end":1197.8151,"sentiment":"neutral","sentiment_score":0.0008940393371241433},{"text":"So, yeah, once you are happy to sign and return that back, we'll just move forward with the switch and get it all done for you nice and quickly.","start":1198.79,"end":1205.13,"sentiment":"positive","sentiment_score":0.5283181574837915}],"sentiment":"neutral","sentiment_score":0.20685088412340627,"channel":0,"num_words":109,"start":1175.9099,"end":1205.13},{"sentences":[{"text":"Okay.","start":1205.4299,"end":1205.9299,"sentiment":"neutral","sentiment_score":0.30168935656547546}],"sentiment":"neutral","sentiment_score":0.30168935656547546,"channel":0,"num_words":1,"start":1205.4299,"end":1205.9299},{"sentences":[{"text":"Okay.","start":1206.505,"end":1206.8251,"sentiment":"positive","sentiment_score":0.38729602098464966},{"text":"Cool.","start":1206.8251,"end":1207.145,"sentiment":"positive","sentiment_score":0.5928317308425903},{"text":"Alright.","start":1207.145,"end":1207.645,"sentiment":"positive","sentiment_score":0.4916667342185974}],"sentiment":"positive","sentiment_score":0.4905981620152791,"channel":1,"num_words":3,"start":1206.505,"end":1207.645},{"sentences":[{"text":"Easy.","start":1207.91,"end":1208.39,"sentiment":"positive","sentiment_score":0.5530880093574524},{"text":"No worries.","start":1208.39,"end":1208.95,"sentiment":"positive","sentiment_score":0.37254954874515533},{"text":"Well, good luck going back to work this week.","start":1208.95,"end":1210.95,"sentiment":"positive","sentiment_score":0.6998771826426188},{"text":"I hope it all goes well for you.","start":1210.95,"end":1212.8099,"sentiment":"positive","sentiment_score":0.7735114470124245}],"sentiment":"positive","sentiment_score":0.6892586663365364,"channel":0,"num_words":20,"start":1207.91,"end":1212.8099},{"sentences":[{"text":"Yeah.","start":1212.9601,"end":1213.2001,"sentiment":"positive","sentiment_score":0.33996492624282837},{"text":"No worries.","start":1213.2001,"end":1213.8401,"sentiment":"neutral","sentiment_score":0.28683918714523315},{"text":"I'll I'll sign this now, and then I'll I'll port it off to you.","start":1213.8401,"end":1217.06,"sentiment":"neutral","sentiment_score":0.32035674686942783}],"sentiment":"neutral","sentiment_score":0.3175669268650167,"channel":1,"num_words":17,"start":1212.9601,"end":1217.06},{"sentences":[{"text":"Legend.","start":1217.3151,"end":1217.795,"sentiment":"positive","sentiment_score":0.5694773197174072},{"text":"You have a lovely night.","start":1217.795,"end":1219.255,"sentiment":"positive","sentiment_score":0.7769993424415589}],"sentiment":"positive","sentiment_score":0.7424123386542002,"channel":0,"num_words":6,"start":1217.3151,"end":1219.255},{"sentences":[{"text":"Okay.","start":1219.68,"end":1220.0,"sentiment":"positive","sentiment_score":0.5252727270126343},{"text":"You too.","start":1220.0,"end":1220.4801,"sentiment":"positive","sentiment_score":0.5104245543479919},{"text":"Bye.","start":1220.4801,"end":1220.9801,"sentiment":"positive","sentiment_score":0.342864990234375}],"sentiment":"positive","sentiment_score":0.4722467064857483,"channel":1,"num_words":4,"start":1219.68,"end":1220.9801},{"sentences":[{"text":"Thanks, Justin.","start":1220.995,"end":1221.795,"sentiment":"positive","sentiment_score":0.6932377219200134},{"text":"See you later.","start":1221.795,"end":1222.615,"sentiment":"positive","sentiment_score":0.60538250207901}],"sentiment":"positive","sentiment_score":0.6405245900154114,"channel":0,"num_words":5,"start":1220.995,"end":1222.615},{"sentences":[{"text":"See you.","start":1223.04,"end":1223.559,"sentiment":"neutral","sentiment_score":0.12385622784495354}],"sentiment":"neutral","sentiment_score":0.12385622784495354,"channel":1,"num_words":2,"start":1223.04,"end":1223.559}]},"summary":{"result":"success","short":"Representatives from OQ Financial and an insurance company spoke with a customer named Dustin to go over his updated statement of advice, personal information, retirement goals, and insurance coverage. They discussed various investment strategies, including reducing exposure to the US market, keeping exposure to Australia, and investing in low-risk defensive investments in government and corporate bonds. The speaker provided guidance on maintaining a conservative approach to retirement contributions, monitoring portfolio performance, and updating beneficiary nominations. They also discussed projections with grain of salt and the potential for high growth in the portfolio, and provided information on retirement age and contributions to the Superfund. The conversation ended with the speaker expressing their satisfaction with the information provided and wishing the caller a good night."},"intents":{"segments":[{"text":"I had you booked in just to go through your updated statement of advice to look at the changes to your investments. Is now still a good time? Yeah. Yeah.","start_word":24,"end_word":53,"intents":[{"intent":"Check investment status","confidence_score":0.08696486},{"intent":"Update statement of advice","confidence_score":0.066394426}]},{"text":"I have to send you through an email with the statement of advice. So are you able to jump into your emails just to have a look at that one with me? Fantastic.","start_word":134,"end_word":166,"intents":[{"intent":"Send statement of advice","confidence_score":0.17610112},{"intent":"Confirm email","confidence_score":0.13822345},{"intent":"Verify email","confidence_score":0.00014359485}]},{"text":"And I'll just get you to confirm your full name, your date of birth, and address I should have on file there. Dustin Zabowski.","start_word":208,"end_word":231,"intents":[{"intent":"Confirm contact information","confidence_score":0.04215341}]},{"text":"So when you open the email there, it does have a little button that says to sign. You can just press that button to go forward the same as you did with the annual review documents just so you can view the documents there.","start_word":279,"end_word":322,"intents":[{"intent":"Sign consent","confidence_score":0.00034528},{"intent":"Access documents","confidence_score":0.20992482}]},{"text":"I'll never ask you to sign anything you haven't read, and after the call, you'll be able to go back and have a really good read of the email prior to you signing and taking the advice. Okay? Yep.","start_word":324,"end_word":362,"intents":[{"intent":"Disapprove signer's instructions","confidence_score":1.841267e-10}]},{"text":"So on the front page there, it will note prepared for yourself with your name as of the 07/20/2026. So we date it for the date of the presentation just so you have sixty days to take on the advice. All of that advice is valid for sixty days after the call. Okay?","start_word":364,"end_word":416,"intents":[{"intent":"Confirm presentation","confidence_score":0.0015047721},{"intent":"Document information","confidence_score":0.0012258005}]},{"text":"With regards to the advice we're looking at is simply sorry. Simply just so far.","start_word":444,"end_word":458,"intents":[{"intent":"Apologize for mistake","confidence_score":0.044469517},{"intent":"Address concerns about financial decisions","confidence_score":1.1098094e-8}]},{"text":"You were hoping to obviously retire around about the age of 60. Target income was about $1,500 per week in retirement. You are still young and have a lot of time in your side, so that could absolutely change down the track.","start_word":489,"end_word":530,"intents":[{"intent":"Mention retirement goals","confidence_score":0.008711158}]},{"text":"So we have we'll had a look at your super fund as well as, you know, how you are invested just to make sure that things are working harder for you and making any changes that we need to. Okay?","start_word":542,"end_word":581,"intents":[{"intent":"Review super fund","confidence_score":0.003029107}]},{"text":"You can absolutely Sorry. just do that. Yeah.","start_word":682,"end_word":689,"intents":[{"intent":"Express appreciation","confidence_score":0.00082659913}]},{"text":"And then areas that we're not looking at, personal investments, you were thinking about looking for ways to be able to retire earlier down the track. It was something you were gonna be wanting to discuss with your wife down there as well.","start_word":849,"end_word":891,"intents":[{"intent":"Discuss personal investments","confidence_score":0.08686}]},{"text":"And then also cash flow and budgeting.","start_word":926,"end_word":932,"intents":[{"intent":"Discuss cash flow","confidence_score":0.14057706}]},{"text":"We did discuss additional trauma policies like trauma and child trauma paid out of pocket.","start_word":1014,"end_word":1028,"intents":[{"intent":"Discuss trauma policies","confidence_score":0.63080126}]},{"text":"I'm more than happy to help you and look at providing additional advice in those areas for you. Okay? Okay.","start_word":1063,"end_word":1082,"intents":[{"intent":"Provide advice","confidence_score":0.45779866}]},{"text":"If you did wanna speak to a mortgage broker and have that reviewed or look at getting additional advice in those areas, let me know.","start_word":1125,"end_word":1149,"intents":[{"intent":"Speak to mortgage broker","confidence_score":0.019751681}]},{"text":"We do outline all the recommendations in a bit of detail there.","start_word":1227,"end_word":1238,"intents":[{"intent":"Discuss recommendations","confidence_score":0.05770267}]},{"text":"So what I did do is I did go back and have a look at Hub twenty four as a super platform. Have had a look at it. There's no real changes that needs to be made with the platform now. itself. So I'm recommending we do retain the platform within Hub twenty four.","start_word":1281,"end_word":1334,"intents":[{"intent":"Retain platform","confidence_score":0.39623517}]},{"text":"However, we did sort of talk about some of your investments being underperforming, and we do wanna look at maybe updating the portfolio to reflect changes in the market conditions, but also a portfolio that's showing greater past performance, which can have a much greater effect on your super down the track.","start_word":1335,"end_word":1386,"intents":[{"intent":"Update portfolio","confidence_score":0.053784434}]},{"text":"So bank hybrids are more of a compact kind of defensive investment, but they are being phased out by the government in the next couple of years. So it is worthwhile removing those from your portfolio now.","start_word":1451,"end_word":1487,"intents":[{"intent":"Remove bank hybrids","confidence_score":0.0043424484}]},{"text":"It is also having a bit of a pullback at the moment, so we are looking to remove that one investment out of your portfolio. Yeah.","start_word":1805,"end_word":1830,"intents":[{"intent":"Address investment concerns","confidence_score":0.00008160889}]},{"text":"I do wanna keep exposure into the Australian market. So we are just gonna reduce it back to 15% there. So just a small rebalance of that portfolio of that investment. Yep.","start_word":1859,"end_word":1890,"intents":[{"intent":"Hold portfolio in asia","confidence_score":0.000363694}]},{"text":"So we are just gonna reduce it back to 15% there. So just a small rebalance of that portfolio of that investment. Yep.","start_word":1868,"end_word":1890,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.6762169}]},{"text":"We did also talk about holding a little bit of actively managed funds there as well.","start_word":2095,"end_word":2110,"intents":[{"intent":"Discuss holding actively managed funds","confidence_score":0.021924837}]},{"text":"So we're gonna look at core composite bonds. This is giving you exposure to bonds, both in Australia as well as overseas. We're looking at government and corporate bonds.","start_word":2233,"end_word":2261,"intents":[{"intent":"Analyze portfolio investments","confidence_score":0.04336683}]},{"text":"So to make all of those changes, the expected CGT on the portfolio is only $212. So that's essentially what I wanted to try and do is make the changes, put you in a portfolio that had greater past performance, which can give you greater potential future performance that minimize the CGT cost as much as possible.","start_word":2498,"end_word":2554,"intents":[{"intent":"Make portfolio changes","confidence_score":0.67506003}]},{"text":"There's no change to the admin fees because you're staying in Hub 24. I'm not changing the platform at all. But you'll also see that the investment fees, it's expected to save you $469 for the first year on investment fees, which is a pretty good saving. Yep.","start_word":2571,"end_word":2618,"intents":[{"intent":"Save money on fees","confidence_score":0.05305885}]},{"text":"Obviously, the ongoing service fee does continue there. That is for our services, making sure we update the advice, do reviews, and things like that for you. Your contributions are still coming out.","start_word":2623,"end_word":2655,"intents":[{"intent":"Update account advice and review","confidence_score":8.8159914e-7}]},{"text":"I will obviously just make sure I do check into your super fund every couple of months and just double check the contributions that are coming out just to make sure that it all stays within the allowable caps and things like that.","start_word":2807,"end_word":2849,"intents":[{"intent":"Check super fund","confidence_score":0.22653446},{"intent":"Check contributions","confidence_score":0.2668472}]},{"text":"We'll just maybe making sure as we move forward that we do monitor that. We obviously wanna make sure you get access to your catch up contributions as long as possible.","start_word":2895,"end_word":2925,"intents":[{"intent":"Monitor portfolio/projections","confidence_score":2.1866828e-8}]},{"text":"We'll just maybe making sure as we move forward that we do monitor that. We obviously wanna make sure you get access to your catch up contributions as long as possible. But as soon as your balance reaches that $500,000 mark as at June 30, the following year down the track, you will actually lose lose access to those. So after that, we'll have to be very careful about your salary sacrifice. So right now, it's not a problem at all. Okay?","start_word":2895,"end_word":2976,"intents":[{"intent":"Monitor portfolio growth","confidence_score":0.1446261}]},{"text":"We obviously wanna make sure you get access to your catch up contributions as long as possible.","start_word":2908,"end_word":2924,"intents":[{"intent":"Access contributions","confidence_score":0.0025835682}]},{"text":"So after that, we'll have to be very careful about your salary sacrifice.","start_word":2953,"end_word":2965,"intents":[{"intent":"Protect salary sacrifice","confidence_score":0.022377215}]},{"text":"We are updating your life beneficiary nominations.","start_word":3287,"end_word":3293,"intents":[{"intent":"Update life beneficiary nominations and update life beneficiary nominations","confidence_score":0.0121040465}]},{"text":"And then I've also included in there the recommendation to continue your salary sacrifice exactly as it is because Yep.","start_word":3362,"end_word":3381,"intents":[{"intent":"Review salary sacrifice and recommend continuing salary sacrifice","confidence_score":0.000118467135},{"intent":"Recommend keeping account details","confidence_score":5.127068e-8}]},{"text":"I've got a little thing in my calendar. So every couple of months about every three to four months, I do check your Superfund to see how it is going.","start_word":3621,"end_word":3650,"intents":[{"intent":"Discuss future check superfund progress","confidence_score":0.0017488498}]},{"text":"Did you wanna do a bit of a review maybe in six months' time just to do a bit of Yeah.","start_word":3678,"end_word":3698,"intents":[{"intent":"Review and review","confidence_score":0.013465044}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Dustin. It's Dana from OQ Financial. How are you this afternoon? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.18222416937351227},{"text":"Good. Thanks. How are you?","start_word":14,"end_word":18,"sentiment":"positive","sentiment_score":0.45192018151283264},{"text":"Yeah.","start_word":19,"end_word":19,"sentiment":"neutral","sentiment_score":0.27691829204559326},{"text":"Very well. Thank you.","start_word":20,"end_word":23,"sentiment":"positive","sentiment_score":0.609372615814209},{"text":"I had you booked in just to go through your updated statement of advice to look at the changes to your investments. Is now still a good time? Yeah. Yeah. It's fine. Yep.","start_word":24,"end_word":56,"sentiment":"neutral","sentiment_score":0.217702716588974},{"text":"Oh, fantastic.","start_word":57,"end_word":58,"sentiment":"positive","sentiment_score":0.5796411037445068},{"text":"And you're still off this week. How's everything going? Yeah. Yeah. I've got two Yeah. more days till I get these pictures Oh, taken out lovely. and back to work And everything's Thursday.","start_word":59,"end_word":91,"sentiment":"neutral","sentiment_score":0.1734105497598648},{"text":"oh, and everything's healing really well.","start_word":92,"end_word":97,"sentiment":"positive","sentiment_score":0.4517691135406494},{"text":"You're getting I back on your feet slowly. no. No. I'll be alright, I think. I Yeah. hope. I'll find out on Wednesday afternoon. Oh, we'll cross our fingers there for you.","start_word":98,"end_word":129,"sentiment":"neutral","sentiment_score":0.12014859169721603},{"text":"Thank you. All good.","start_word":130,"end_word":133,"sentiment":"positive","sentiment_score":0.44680020213127136},{"text":"I have to send you through an email with the statement of advice. So are you able to jump into your emails just to have a look at that one with me?","start_word":134,"end_word":165,"sentiment":"neutral","sentiment_score":0.13969485461711884},{"text":"Fantastic.","start_word":166,"end_word":166,"sentiment":"positive","sentiment_score":0.4512661695480346},{"text":"And Yep. just while that is coming through, I'll just do a quick security check there with you. And just Yep. to confirm, we do record our calls for quality and training purposes. Are you happy to proceed with that?","start_word":167,"end_word":206,"sentiment":"neutral","sentiment_score":0.13857673108577728},{"text":"Fantastic.","start_word":207,"end_word":207,"sentiment":"positive","sentiment_score":0.4525164067745209},{"text":"And I'll just get you to confirm your full name, your date of birth, and address I should have on file there. Dustin Zabowski. Twenty seven nine eighty nine. 102 Gangnegan Road out of Bay, New South Beautiful.","start_word":208,"end_word":245,"sentiment":"neutral","sentiment_score":0.11705800145864488},{"text":"Thank you so much for that.","start_word":246,"end_word":251,"sentiment":"positive","sentiment_score":0.5515606999397278},{"text":"Hopefully, the email pops through to you fairly Wales. Yeah. quickly. I've got it. I've You got never it here know with with technology. Oh, good.","start_word":252,"end_word":277,"sentiment":"neutral","sentiment_score":0.15204818546772003},{"text":"Excellent.","start_word":278,"end_word":278,"sentiment":"positive","sentiment_score":0.3772132396697998},{"text":"So when you open the email there, it does have a little button that says to sign. You can just press that button to go forward the same as you did with the annual review documents just so you can view the documents there. I'll never ask you to sign anything you haven't read, and after the call, you'll be able to go back and have a really good read of the email prior to you signing and taking the advice. Okay? Yep.","start_word":279,"end_word":361,"sentiment":"neutral","sentiment_score":0.17946997787578997},{"text":"Alright. Excellent.","start_word":362,"end_word":363,"sentiment":"positive","sentiment_score":0.6096850037574768},{"text":"So on the front page there, it will note prepared for yourself with your name as of the 07/20/2026. So we date it for the date of the presentation just so you have sixty days to take on the advice. All of that advice is valid for sixty days after the call. Okay? Yep. On the bottom page, it has my authorized representative information. So I'm a licensed financial adviser. I'm registered through, and my registration number is 1304394. Yep. With regards to the advice we're looking at is simply sorry. Simply just so far. So it is about looking at, you know, what you have in your super fund, how you are invested there, and making sure that you are working towards your goal. You were hoping to obviously retire around about the age of 60. Target income was about $1,500 per week in retirement. You are still young and have a lot of time in your side, so that could absolutely change down the track. So this is what we're tracking forward at the moment there. So we have we'll had a look at your super fund as well as, you know, how you are invested just to make sure that things are working harder for you and making any changes that we need to. Okay? Yep. With the limited scoping side of things, so page number four, we have it scoped into a limited scope just your insurances. So you have life and TP that are paid out of your super fund. You were happy with the policy that you do have, not wanting Yeah. to make I've any gotten changes it to signed. that. I'll Yep. or the MetLife thing. I'll do I can I just scan it and send it back to you guys? The the MetLife oh, the full? beneficiary. Sorry. Yes. My apologies. I've met lots of beneficiary nominations. You can. You can absolutely Sorry. just do that. Yeah. I'll get my Yeah. wife to do it on Wednesday at work. Yeah.","start_word":364,"end_word":702,"sentiment":"neutral","sentiment_score":0.06750135901754936},{"text":"That's absolutely fine. It's not a problem at all.","start_word":703,"end_word":711,"sentiment":"positive","sentiment_score":0.4896796941757202},{"text":"That's I'm sorry for that confusion there. No. You're alright. I thought So, I'd jump yeah, the we've gun there. no. You're fine, honestly. So with the insurances, we're not making any changes, though, but we are scoping them into a limited basis. That's essentially saying that we understand you have the policy, that because they are paid out of super, there is an effect on your retirement income because these premiums do get more expensive as time goes on. So it does have an effect on how much you will end up in retirement. So we do review that with you on a regular basis as part of the annual review, but with regards to the advice that we're not making any changes, but they have been factored into the projected outcome for you. Okay? Yep. And then areas that we're not looking at, personal investments, you were thinking about looking for ways to be able to retire earlier down the track. It was something you were gonna be wanting to discuss with your wife down there as well. I'm scoping out Yep. any personal investments at the moment. If you decide you would like to come back and have that conversation, let me know.","start_word":712,"end_word":917,"sentiment":"neutral","sentiment_score":0.04776595905423165},{"text":"Absolutely happy to help you in those areas.","start_word":918,"end_word":925,"sentiment":"positive","sentiment_score":0.5836701989173889},{"text":"And then also cash flow and budgeting. You're also looking to try and do your new kitchen at some point. I didn't really wanna be accessing the funds in your offset account. Yes. But it is on the list of things to do. So I've scoped out areas of cash flow and budgeting with regards to that at the moment. I've scoped out trauma as well. So you do have your life and TPD paid out of super, and you do have your income protection policy through Union. We did discuss additional trauma policies like trauma and child trauma paid out of pocket. You didn't wanna look at getting any additional insurances at the time. However, if down the track you do wanna have more of a conversation, look at any additional covers, let me know.","start_word":926,"end_word":1061,"sentiment":"neutral","sentiment_score":0.06243433430790901},{"text":"I'm more than happy to help you and look at providing additional advice in those areas for you.","start_word":1062,"end_word":1079,"sentiment":"positive","sentiment_score":0.732146143913269},{"text":"Okay? Okay. And then also with regards to your mortgage, you are paying that down. You are hoping to have that paid off by the time you hit retirement there. We're not providing any advice on the draw of the paying down of the mortgages. If you did wanna speak to a mortgage broker and have that reviewed or look at getting additional advice in those areas, let me know. So the areas of scoping out is just where we're not providing advice at the moment. However, down the track, if you did want additional services or advice, just let us know. Okay? Okay.","start_word":1080,"end_word":1183,"sentiment":"neutral","sentiment_score":-0.03689255565404892},{"text":"Excellent.","start_word":1184,"end_word":1184,"sentiment":"positive","sentiment_score":0.6056448221206665},{"text":"Now to make this one a little bit easier for you, I'll take you through just the sections that we do need to go through, and then I'll let you go back and have a bit of a read through the document. We do outline all the recommendations in a bit of detail there. But if you head down to page number 20 for you for me. Sorry. Yeah. This has I'm on got that page the heading fantastic. So you can see all the different buyers and sales investments, which is that we're looking at. So what I did do is I did go back and have a look at Hub twenty four as a super platform. Have had a look at it. There's no real changes that needs to be made with the platform now. itself. So I'm recommending we do retain the platform within Hub twenty four. However, we did sort of talk about some of your investments being underperforming, and we do wanna look at maybe updating the portfolio to reflect changes in the market conditions, but also a portfolio that's showing greater past performance, which can have a much greater effect on your super down the track. So the changes that we are looking at making here, we are gonna sell off all the Global X battery and lithium tech. We are gonna remove the Ben along Australian equities. That is the investment we discussed has been underperforming there with the the issues they have with the corporate traveler investment. We're also looking at removing the bank hybrids for you. So bank hybrids are more of a compact kind of defensive investment, but they are being phased out by the government in the next couple of years. So it is worthwhile removing those from your portfolio now. Okay. I'm How also much have I lost on those ones? the then along Australian equities, I'll show you the the CGT shortly if you like. Okay. I'll just Yeah. go Alright. through Kick this, on. and, yeah, you're right. I'm also removing the China new economy there as well. So, essentially, China hasn't really come out of COVID the way it has. It has been quite a lot of ups and downs to China, so we are looking to remove them from your portfolio as well.","start_word":1185,"end_word":1573,"sentiment":"neutral","sentiment_score":0.011653330244104783},{"text":"Haven't quite performed the way we wanted them to.","start_word":1574,"end_word":1582,"sentiment":"negative","sentiment_score":-0.3989309072494507},{"text":"With physical gold there at the moment has been really good. It's worth retaining in your portfolio, but you are a bit overexposed. So we're just reducing it back a little bit to 7%. We're keeping it there, so we're just cementing some of the gains that that has been and redistributing those across your portfolio there. We're Yes. also looking at the cybersecurity. You do have that. It has been down a little bit this year with the major sell off in the sort of IT and cybersecurity side of things.","start_word":1583,"end_word":1674,"sentiment":"neutral","sentiment_score":0.09414491802453996},{"text":"It is still a good investment to have.","start_word":1675,"end_word":1682,"sentiment":"positive","sentiment_score":0.4161968231201172},{"text":"So I do wanna retain that in your portfolio. Again, you've got about 8% in there at the moment. We just wanna hold about seven total, so we're just gonna reduce that back a little bit for you. With Yep. the S and P 500, we do wanna keep exposure into, The US market, so we are keeping that in your portfolio. You do have about 33% there at the moment, so just reducing that back to 25 for you. Again, it's just about making sure we're keeping you within the risk level and cementing gains where we need to as well with the Van Dyck Australian property. So with that one, their property has had a bit of a pullback.","start_word":1683,"end_word":1803,"sentiment":"neutral","sentiment_score":0.09897708892822266},{"text":"It is also having a bit of a pullback at the moment, so we are looking to remove that one investment out of your portfolio.","start_word":1804,"end_word":1828,"sentiment":"negative","sentiment_score":-0.34263312816619873},{"text":"Yeah. And I then don't you think it's going that well. No. Definitely not. And then Yeah. the RAFT a 200 there as well.","start_word":1829,"end_word":1852,"sentiment":"neutral","sentiment_score":-0.08534036576747894},{"text":"So that investment is still good.","start_word":1853,"end_word":1858,"sentiment":"positive","sentiment_score":0.3666728138923645},{"text":"I do wanna keep exposure into the Australian market. So we are just gonna reduce it back to 15% there. So just a small rebalance of that portfolio of that investment. Yep.","start_word":1859,"end_word":1890,"sentiment":"neutral","sentiment_score":0.10141175240278244},{"text":"India is still a a great place of growth, so we are looking to buy into that area, giving you exposure. Healthcare, global healthcare gives you diversification because it is healthcare across the globe, so it's in the entire world.","start_word":1891,"end_word":1930,"sentiment":"positive","sentiment_score":0.38591068983078},{"text":"And we're gonna hold about 7% of that investment and buy in there for you. Because we're getting rid of the ban along Australian equities like we discussed last time, we still wanna hold Australian equity exposure of us. So I'm gonna invest you into the BetaShares a 200. Now this is more of a passively managed investment, but it is giving you greater diversification. So whilst it has been greater past performance, it's cheaper as an investment.","start_word":1931,"end_word":2008,"sentiment":"neutral","sentiment_score":0.233306422829628},{"text":"It's actually giving you great diversification.","start_word":2009,"end_word":2014,"sentiment":"positive","sentiment_score":0.5596585869789124},{"text":"Because instead of holding, say, 15 or 20 different investments within Benelon, we're giving you exposures to the top 200 companies on the ASX.","start_word":2015,"end_word":2038,"sentiment":"neutral","sentiment_score":0.29318782687187195},{"text":"So it does work out much more to your advantage, and we'll hold about 10 there.","start_word":2039,"end_word":2054,"sentiment":"positive","sentiment_score":0.38735565543174744},{"text":"I know it is definitely we don't wanna kinda overexpose into that area. And because you have the Raffi a 200 there as well, that essentially gives you about 25 total exposure in the Australian equity market. Okay? Mhmm. Yep. We did also talk about holding a little bit of actively managed funds there as well. So we've got the JPMorgan Global re Global Research Enhanced Equity Fund. This one here, we wanna hold about 15% there. This essentially is introducing an actively managed global equity component through that fund. They are about 15% of the fund is actively managed. So it's a cheap investment.","start_word":2055,"end_word":2159,"sentiment":"neutral","sentiment_score":0.16888177394866943},{"text":"It's actually not that expensive to hold.","start_word":2160,"end_word":2166,"sentiment":"positive","sentiment_score":0.33430102467536926},{"text":"Part of it is actively managed.","start_word":2167,"end_word":2172,"sentiment":"neutral","sentiment_score":0.2689264714717865},{"text":"Part of it is passively managed, and they have done very well in the past. So, you know, JPMorgan is a really good research house. They have great material, and this gives you global exposure as well. Okay?","start_word":2173,"end_word":2210,"sentiment":"positive","sentiment_score":0.527614414691925},{"text":"Yep. And then because we are getting rid of the bank hybrids, we still wanna have some low risk defensive investments there. So we're gonna look at core composite bonds. This is giving you exposure to bonds, both in Australia as well as overseas. We're looking at government and corporate bonds. So bonds that have been around for a long time. They do pay regular income payments, and we do want that from our defensive investments. Even at the age that you are, we're taking on more risk in the market. We still wanna have some defensive assets, have some income being produced out of the investments that gets paid into your cash account and redistributed through your portfolio for compounding effects moving forward. Okay? Yep. Okay.","start_word":2211,"end_word":2337,"sentiment":"neutral","sentiment_score":0.1859848350286484},{"text":"Excellent.","start_word":2338,"end_word":2338,"sentiment":"positive","sentiment_score":0.5431996583938599},{"text":"If you go down to the next page there, you'll see at the moment you've got about 12,000 in cash. The accounts cash balance is a little bit high. We are going to invest about 8,000 into the portfolio. We only really wanna hold a minimum amount of cash within your super funds. So the minimum requirement is 1.25% of your balance there. So, essentially, we are gonna take a nice chunk of that and reinvest it back into the portfolio for you. Okay. Yep. Sorry. I Excellent. have a lost. What's going on? No. You're fine. If you go to page 23, this is the page you kind of wanna see. This is kinda outlining the the reasoning and the Mhmm. CDT and the cost side of it for you. Has it the heading fee comparison. You can see that one there, Dustin. Oh, so just I'm only losing $200. Is that right? That's exactly right. Yes.","start_word":2339,"end_word":2496,"sentiment":"neutral","sentiment_score":0.12628111243247986},{"text":"So to make all of those changes, the expected CGT on the portfolio is only $212. So that's essentially what I wanted to try and do is make the changes, put you in a portfolio that had greater past performance, which can give you greater potential future performance that minimize the CGT cost as much as possible.","start_word":2497,"end_word":2553,"sentiment":"positive","sentiment_score":0.4333975911140442},{"text":"So, yeah, your fund is only expected to pay $212 in tax for making those changes.","start_word":2554,"end_word":2569,"sentiment":"neutral","sentiment_score":0.2707458734512329},{"text":"Yep. There's no change to the admin fees because you're staying in Hub 24.","start_word":2570,"end_word":2583,"sentiment":"positive","sentiment_score":0.3782717287540436},{"text":"I'm not changing the platform at all.","start_word":2584,"end_word":2590,"sentiment":"neutral","sentiment_score":0.27988335490226746},{"text":"But you'll also see that the investment fees, it's expected to save you $469 for the first year on investment fees, which is a pretty good saving. Yep. Okay. Cool. Yeah.","start_word":2591,"end_word":2621,"sentiment":"positive","sentiment_score":0.6287883520126343},{"text":"Yeah. Obviously, the ongoing service fee does continue there. That is for our services, making sure we update the advice, do reviews, and things like that for you. Your contributions are still coming out. Now one of the things and I Samantha made that call the other day. One of the things I noted when we were doing the research was with your income being slightly higher, your income your contributions going in do fluctuate a little bit as well. So there is a risk that you're gonna go over the cap for the year. So we just wanted to make sure that you had some catch up contributions from the last couple of years. It Yes. does mean that because you are expected to exceed the contributions cap this financial year, with your balance being under 500,000 as at July 30 last financial year. And you with what you sent us, you do have extra catch up space there. So there is no problem. It means that you can continue to salary sacrifice that 5% of your of your Yeah. of your employment income. I will obviously just make sure I do check into your super fund every couple of months and just double check the contributions that are coming out just to make sure that it all stays within the allowable caps and things like that. That we're not eating way too much of your of your carry forward contributions that you have quite a lot.","start_word":2622,"end_word":2869,"sentiment":"neutral","sentiment_score":0.15292412042617798},{"text":"You had just under a 100 k available to you from the previous five financial years. So it shouldn't be any major problem there.","start_word":2870,"end_word":2893,"sentiment":"positive","sentiment_score":0.4459526836872101},{"text":"We'll just maybe making sure as we move forward that we do monitor that. We obviously wanna make sure you get access to your catch up contributions as long as possible. But as soon as your balance reaches that $500,000 mark as at June 30, the following year down the track, you will actually lose lose access to those. So after that, we'll have to be very careful about your salary sacrifice. So right now, it's not a problem at all. Okay? I can I'll still get another K. year before I have You to worry. still yeah. Absolutely. So you'll see at the bottom there, the high growth portfolio that you were in, look, it hasn't been returning terrible returns. However, the newer one when we completed the research has averaged about 11.92% there on a yearly basis. So the longest it's able to get that kind of a return moving forward, you can kinda see projected over the next five to ten years. You could be in a much greater position.","start_word":2894,"end_word":3066,"sentiment":"neutral","sentiment_score":0.019211752340197563},{"text":"And, look, I'd love to see you with over a million dollars in super in the next ten years.","start_word":3067,"end_word":3085,"sentiment":"positive","sentiment_score":0.4463336169719696},{"text":"That is just the projected so I do like to make sure you're aware. We do take projections with a grain of salt. Obviously, market Yeah. conditions can vary, and you are taking on a higher level of risk in the high growth portfolio. So some years, you'll get a 20% return, 15% return, or a negative return is expected, generally, every one and every five years. So, it's just about monitoring things. We'll keep seeing how it's all going, and keep projecting it out for you every couple of years to see what's expected there. But the the fact that the portfolio that we're moving you into has over the past five years averaged about 11.92%.","start_word":3086,"end_word":3202,"sentiment":"neutral","sentiment_score":0.015666358172893524},{"text":"When you project that over the next five to ten years, you could receive close to that, and it could see your portfolio grow very, very high, especially as your contributions and your income is high as well. That does make have a difference on your super fund and does help it grow.","start_word":3203,"end_word":3255,"sentiment":"positive","sentiment_score":0.4807545840740204},{"text":"Yeah. Okay.","start_word":3256,"end_word":3257,"sentiment":"neutral","sentiment_score":0.25344499945640564},{"text":"Cool. Yeah. All good.","start_word":3258,"end_word":3261,"sentiment":"positive","sentiment_score":0.4164840877056122},{"text":"Alright. The only the only other thing I sort of wanted to make mention was I have included in the state planning side of things. We are updating your life beneficiary nominations. So, yeah, once you guys get that back to us, we'll have it applied. Both the nominations as per our last conversation are binding lapsing, so it does mean we just have to make sure they are updated every three years. But I'll make sure our team are aware of that, and we'll make sure we review that with you and have those updated as you need to. And then I've also included in there the recommendation to continue your salary sacrifice exactly as it is because Yep. we are aware that you will go over the cap this year depending on your income, but you do have catch up contributions. So you can look honestly, going over the cap now and utilizing those carry forward contributions is a good idea now rather than later because of the compounding effect. Yep. It's easier to sort of have a higher contribution level now and reduce that down the track because, obviously, the longer your money stays invested for, the higher the compounding effect works for you. So Okay.","start_word":3262,"end_word":3470,"sentiment":"neutral","sentiment_score":0.11694392091349552},{"text":"it Cool. is absolutely worth doing. I wanted to keep that sort of fairly brief there for you and let you go back and have a really good read of the document.","start_word":3471,"end_word":3502,"sentiment":"positive","sentiment_score":0.46099773049354553},{"text":"But are there any questions that might have come out of that now at all? No. Not really. I'm just so I've got another year of just salary sacrificing as I am, Yep. And then just because what are you allowed to title contributions to your salary sec or super? Yeah. Concessional this financial year is 32,500. And what You're did allowed I do? to go at the moment, it's expected that your total contributions would be about 38,000 for this year. If I keep the same income. Yeah. Yep. Yep. So yeah. But you do have carry four concessional contributions. That shouldn't be a problem. Yeah. Okay. Yeah.","start_word":3503,"end_word":3611,"sentiment":"neutral","sentiment_score":0.01841188780963421},{"text":"Awesome. It's all good.","start_word":3612,"end_word":3615,"sentiment":"positive","sentiment_score":0.5670093894004822},{"text":"Yep. No worries at all. I've got a little thing in my calendar. So every couple of months about every three to four months, I do check your Superfund to see how it is going. Just double check the balance and double check the contributions coming in. So if I feel there is an issue, I will definitely let you know. Yep. Did you wanna do a bit of a review maybe in six months' time just to do a bit of Yeah. a catch up and I reckon, see how sir. things Yeah. are going Fuck as well? that. Yeah. Yep. Yeah. We'll do it just before Christmas. That way, you've had a bit of a catch up and can enjoy your Christmas break, and then we'll do another review in twelve months there for you as well. How does that sound, Yep. Austin? Yep.","start_word":3616,"end_word":3761,"sentiment":"neutral","sentiment_score":0.0782520007597257},{"text":"That sounds good. Beautiful.","start_word":3762,"end_word":3765,"sentiment":"positive","sentiment_score":0.5588830709457397},{"text":"And if you enjoy reading, depending on how much spare time you have while you're off for the next few days, Attached to the order sign, I have also got the product disclosure statements for all the products that we have recommended. We've got your MetLife insurance information there for you as well and the financial services guide. So some people do wanna have a bit of a read through that, others not so much. This depends on how much time you have on your hands and how keen you are to have a read of some compliance I've been information. reading all day. Yep. And then in the document there, I do have the best interest, the the advantages, the disadvantages, and the risks of the strategies that we have in place in the document for you to review as well. Okay? Yep. No. It's alright.","start_word":3766,"end_word":3912,"sentiment":"neutral","sentiment_score":0.09949236363172533},{"text":"I'm pretty happy with Yep. this. Beautiful.","start_word":3913,"end_word":3919,"sentiment":"positive","sentiment_score":0.4048211276531219},{"text":"Alright. I'll sign this off, and then we'll just move forward, I guess. Yeah. Absolutely. No Yeah. worries at all. There's also a the SOA attached as an attachment to your email, so you can always open it, review it at any time if you like to. Obviously, the best thing is because, obviously, with Ben along being down and some of the underperformance of the funds, having the investments which completed now is really important to kinda get it all in place. It does take a little bit of time to get the investments which completed.","start_word":3920,"end_word":4016,"sentiment":"neutral","sentiment_score":0.10676965117454527},{"text":"So, yeah, once you are happy to sign and return that back, we'll just move forward with the switch and get it all done for you nice and quickly.","start_word":4017,"end_word":4045,"sentiment":"positive","sentiment_score":0.5048062205314636},{"text":"Okay.","start_word":4046,"end_word":4046,"sentiment":"neutral","sentiment_score":0.30168935656547546},{"text":"Okay. Cool. Alright. Easy. No worries. Well, good luck going back to work this week. I hope it all goes well for you. Yeah.","start_word":4047,"end_word":4070,"sentiment":"positive","sentiment_score":0.6113786101341248},{"text":"No worries. I'll I'll sign this now, and then I'll I'll port it off to you.","start_word":4071,"end_word":4086,"sentiment":"neutral","sentiment_score":0.3159507215023041},{"text":"Legend. You have a lovely night. Okay. You too. Bye. Thanks, Justin. See you later. See you.","start_word":4087,"end_word":4103,"sentiment":"positive","sentiment_score":0.5950035452842712}],"average":{"sentiment":"neutral","sentiment_score":0.1375401951531499}}}}