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Is now a good time there for you? Fantastic. I'm gonna send an email to you just containing the documents there. So I'll just get you to open that one when it comes through. Just while that is coming through there for you, Heath, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And I'll just do security there with you as well just because we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. Now this email, hopefully, should come through fairly quickly there for you. Oh, you have? Fantastic. Lovely. Well, what I'll do is I'll jump in and go through a sense of the recommendations there. I will direct you to a couple of pages to sorta hit the points that I need to hit for you, but then we you can go back and have a really good review of that afterwards. Okay? Perfect. All good. So with this one here, now the document has been prepared as of the 05/06/2026, has been prepared by myself, Dana Taylor, and my team. My license number is 1304394, and the advice is provided under best interest for you so it's here to meet your goals. Okay? With the areas that that we are providing you advice on, we've got areas of superannuation. So one of the things was you're looking to hopefully retire around it at the age of 60, the possibility to keep working if you do too longer. You also wanted to look at what to do with your military super, so I've done a really good amount of research on that for you. And then also being able to draw income of around about 50 to 60,000 in retirement from 60 onwards if you choose to retire at 60. It was kind of I wanna retire at 60, but with the option to work longer if you if you would wanted to down the track. Okay? Beautiful. With the insurance side of things, you do have some life and CBDs income protection. At the moment, we were reviewing that for you. Essentially, we wanted to make sure that in the event that you were passed away, that your wife is able to cover the mortgage and looking at six years of income replacement. So we've assessed your life and CPD to cover that for you. And then also just making sure that your income protection is in line with 70% of your income, which is a maximum that we can claim on income protection there. With the estate planning side of things, just making sure that beneficiaries are in line and nominated correctly to make sure that in the event of you passing, that your partner is able to or your wife is able to receive the benefit there. Because you are getting closer to retirement, I've limited scope in the retirement planning side of things. So looking at the recommendations that we're making now, and then looking at the next sort of five to ten years to sort of see where we're projected to go, and then we'll keep reviewing and updating that as we get closer to those years. Okay? Excellent. And then scoping out areas of cash flow and savings and also a personal investment that you wanted to possibly buy. You actually bought an investment property now. I understand. That was one of your goals in the next five years. That's okay. That's absolutely fine. It is scoped out. I'm not providing advice around investment property side of things, but we can always look at how things are tracking and update advice on the track to reflect that for you. Okay? Beautiful. Now to make things a bit easier, I'll let you go back and have a really good review of everything as we are after we go through the call, because it is often a little bit harder to kinda look at all the pages and go through it. But what I'll get you to do to make it a bit easier is I will just get you to scroll, sorry, down to page number 26 for me. So I'll run through the start of the recommendations there with regard to your super and what we're recommending, and then I'll take you to the military super side of things. Okay? Per perfect. Now with this one here, we are recommending that we do retain your hub 24 and your military super exactly as they are. Military super, there's no real change to the investments there in any way because it's not invested as a normal refund is. But with normal refund is. But with one twenty four, we are recommending that we do alter the investments that you do have. So we did have a look at the way you were invested and with your goals and what your portfolio have been doing. And we have noted there's some areas that the portfolio could be doing better at. So I am recommending that we do sell down all of the global battery lithium sector. It's a good investment, but we're gonna sort of look to cement the gains and move things elsewhere. It's also about reducing the risk level as well as we get closer to retiring. The Better Long Estate in equities has been underperforming, so we are removing and selling all of that investment out of there. The bank hybrids, they are being phased out as an investment vehicle over the next couple of years. So we figured both we are making these changes. We may as well look at selling that and replacing the investment. Both we are making the changes because in a couple of years down the track, we're gonna have to anyway. So so it's worth doing it when you make big changes. We've also got the China new economy. There has not been a bad investment. China really hasn't kind of come up and being what they thought it was gonna be when we invested the funds in there. So we are looking to remove and replace that as well. Physical Gold has been doing really well is doing really well, but you are a little bit over exposed at the moment. So we are just rebalancing that back from the 11.68 to about 10%. So by no means that we're replacing it, still good to keep. We just wanna rebalance back a little bit as well. And then we've got the cybersecurity. It has taken a little bit of a battering this year, but it is still a good investment to hold. You do have about 5.64% at the moment, so we just wanna kind of rebalance that back a bit for you to 5%. And then we've got the S and P 500 again. Not selling all of it, just rebalancing back to 30%. It is still a really good place to be. I have had a lot of people asking me more about, you know, if it's still worth investing in The US. It absolutely is. Over the longer term, The US still provides great returns, and Australia followed suit as well. It's just that what we're going through at the moment is a bit of a hiccup. We just need to kinda go through it, roll through it, and wait for us to come at the other side of what's going on at the moment. So rebounding that back a little bit for you as well. And then with the Van Eck Australian property, again, we are just gonna remove that completely out of the portfolio and invest the funds in other ways. With the beta shares Rafi, so, essentially, we're gonna sell all of that. It is hasn't been a bad investment. It has done really well, but, again, I've sort of created a whole new portfolio for you to incorporate both mid and full cap areas within the Australian equities, Just making sure that we're considering your risk level and the returns to the portfolio. So we're gonna get rid of all of that as well. We are gonna buy into the iShares Europe. This is giving you exposure not to one or two companies in Europe, but all the European countries and all the large and mid cap, sorry, investments within Europe. I do apologize. Sorry for that. So giving you exposure to all the European countries there and also large and mid cap stocks within those European countries to giving you diversification. And Europe is still a very big growth area, especially with what's happening at the moment. Certain European countries are doing very, very well, and we wanna take advantage of those areas for you. We've got Japan. So Japan has been quite a bit of a growth area at the moment, especially with what's going on currently. Japan has looked after their sorry, has looked after their their citizens very, very well. They've kinda prepared quite well for what's going on. And over the last couple of years in general, with China not kinda coming to the party and doing things right, there's a lot of movement away from China and into the Japanese economy. So we wanted to kinda take advantage of that and just have about 5% invested there for you. We've also got the all world Vanguard all world ex US. So this is investing in essentially globally the entire world, certain parts of it, but not The US. Nothing because we keep the S and P 500 above there for you. But, again, we're giving you diversification. So one of the biggest things about being able to reduce your risk level is that we make sure we're diversifying. We can never control a 100% of market risks, but one of the biggest things we can do is diversification. So spread your risk level over different areas, different economies, different countries, and different asset classes. And this is one of the ways of doing this. So keeping the Vanguard or World u ex US investment there, and I have seen some really good gains over the past couple of months, And it's diversifying, keeping your risk a little bit lower. So keeping 8% invested there for you. Because we are selling off the then along Australian equities, it hasn't performed as well. We're putting the Australian equity portion into the BetaShares a 200. One of the things that I like about the a 200 as well as the S and P 500 is that you're tracking the top 200 companies on the ASX. And with the S and P 500, you're tracking the top 500 companies in The US market. These are tracking certain indices. And, essentially, in order for companies to be within the indices and therefore in these investments, they have to meet a certain criteria. So the investment committee of the industries that these are tracking, they they meet every quarter. They check what companies are eligible to be within the indices, and if they're not eligible, they are removed and replaced with something else. So you can be mindful that you are always tracking the top 200 companies on the ASX with the BetaShares a 200. And same with the S and P 500, you're always tracking the top 500 companies. So it's a really good way of making sure that you're always tracking the top countries, the Sorry. Top companies even when some of those companies may be underperforming or not doing as well. If they don't meet the criteria to remain in the index, then they are removed and therefore removed out of these investments as well to make it nice and easy for you. Okay? Having US and Australian exposure separately is really important. It has been a bit up and down recently, but we are seeing really good returns. And even having a look at, you know, the all odds, one of the things I like to look at is the all ordinaries that essentially chop track the top 80% of the market, and we use that as a baseline for what the entire market has been doing for the day. And even this morning, it started out up by over 1%, so it's a good sort of you know, we've had a lot of up up and downs, but today, we're seeing a bit of a positive sign. Yeah. It's a nice, nice sign. I've been looking the ups and downs. We're going, wow. We've had some pretty heavy, you know, two, three, four, 7% down, but to see a bit of an up, we've also had really good gains that have kinda mitigated some of those short term losses. So it's a little bit all over the place. We're just gonna kinda weather the storm and keep kinda going through it. But that's why altering your portfolio now is a really good thing to do. We take advantage of the ups and downs that we are seeing. Buy in when the prices are discounted at a downtime. And, obviously, we get a little bit less when the market is higher, but we also get those gains as the market comes out and recovers as well. So yeah. And then because we are getting rid of the core composite so the bank hybrids, we're gonna move into the core composite bonds. Core composite bonds is giving you access to our government as well as corporate bonds. It also gives you access to diversified corporate bank notes and things like that as well as the bonds globally as well as corporate bank notes. So it is kinda giving you diversification in that defensive area. Bonds are relatively lower risk. They do tend to get a lower rate of return, but having a good mix of growth investments as well as those bonds and fixed interest kinda helps to mitigate long term market volatility and has some low risk investments is also important to have in your portfolio there as well. So that's a bit of a quick breakthrough of those ones. Did you have any questions about the investments? I kinda keep it fairly brief going through the changes, but you're welcome to ask me more if you want to delve deeper. Yeah. Perfect. Perfect. Underneath that, you'll see the cash account. So we do need to keep 1.25% cap in the hub twenty four super account there. You have a little bit higher amount at the moment, so we're just gonna invest about $738 there into the investments above to make sure we reduce your cash balance down to the minimum. Essentially, you don't get any real rates of returns from cash, so it is really important to just have the minimum amount of cash in there. Okay. Excellent. Yes. Sorry. Sure. Yeah. Mhmm. Mhmm. So that is essentially looking at the target that we should oh, that's including your military super balance at the bottom. Yes. Sorry. I I was like no. So good. So that takes into account the target balance that we should have in all of those individual investments. But at the very top of the moment, the updated balance you have in military super so we got a a new statement through the other day. And so they're saying the updated balance is 74,076. So because we are retaining the military super, we are accounting for that balance, and that's giving you a total across what's expected across both of those accounts for you. Okay? Yep. Yeah. Absolutely. Not an issue at all. If you scroll down for me now the other reason we are looking at rebalancing a lot of these as well as moving is that you're in a growth portfolio. You should be in a growth that growth environment. We sort of talked a little bit about the risk profile questionnaire and how a growth portfolio generally fits. At the moment, when you look at the way you are invested, your existing, you have about 93.01% in growth investments and about 6.99% in defensive investments. So at the moment, you're actually more of a high growth portfolio, which means you're taking on a bit more risk than where your comfort level was sitting. So what we are looking to do by making these changes is to reduce your risk level a little bit in the market. So once they complete the changes there, your portfolio should see about 86% in growth investments and 14 percent in defensive lower risk investments. So we're reducing the risk in the market a little bit, increasing some of those defensive investments, but we also wanna make sure the returns are occurring as well. And that's where kind of the next page comes into consideration, and this is the big comparison table. So I like to make sure everyone is aware there are the advantages as well as the advantages and risks involved of every strategy and every decision we make. When we look at making those changes above, you can see we are buying and selling certain investments there. And your super fund, just like you do, does a tax return every year. So we do know that by making these changes, there are gonna be a CDT, so tax consequences your super fund has to take into account. And once they've kind of gone through and looked at it all back, the difference or the CDP consequence for changing this portfolio this way means that your super fund would account for about $3,274 in CDT. So they will pay that much in tax, essentially. Okay? In saying that, you also reduced your investment fees. So by making the switch by moving into some of the cheaper investments, reducing your risk level, And the investment phase, essentially, we can show you save about $1,360 on investment fees. So the reason I kind of looked at this as being a positive thing was, a, we're reducing the risk level, reducing investment fees, but there is a CGT consequence. So it actually works out that in approximately it's about two and a half to three years without any additional growth is where the investment fees would essentially make back that CGT consequence. So it does work out to be in your benefit to do so. In saying that, we want that CGT to be made back a lot faster. So we do look at the growth outcome. And on the bottom of that table, sorry, it shows you that the current portfolio you're in and the five year rolling average, this portfolio has averaged about 10.62%. By moving into this newer portfolio and reducing your risk level, you're saving on investment fees, but the five year rolling average has also been slightly higher. So you can be moving into a portfolio that's lower risk, saves you on fees, but has also shown greater past performance, which, moving forward, could provide you with a greater future performance as well depending on market conditions. Does that make sense? Beautiful. Now you are your contributions are still going in. There's no change to those in any way, shape, or form, your salary sacrificing and your employer contributions. So keeping them going in exactly as they are provides that greater benefit, especially with the compounding effect. With the insurance premiums, I have made a little bit of a recommendation on off who knows for you, and I've got an alternative for you to consider as well, and I'll go through that shortly with you. Okay? With the military super, you'll see it does show retaining that exactly as it is. That doesn't factor into the returns at the bottom there because military super is not invested in market conditions. It's a hybrid sort of product, which is beyond cool. But, essentially, it doesn't factor into those returns at the bottom there. They essentially have that growing at a certain interest rate on a yearly basis, and so it's not actually invested in any way, shape, or form like any other super fund out there which invested in any way, shape, or form like any other super fund out there, which is kinda cool. It does. It does. It does. To make it a bit easier for you, if you also scroll back up for me just to page number 18, this is the military super side of things for you. So I know it took a little bit longer to get this advice document done out, but I've done a good good amount of research with them and kind of put some figures together for you. I am gonna make a recommendation that we do retain military super exactly as it is for the time being. Your balance is really well there at the moment. And you've got three three components in military super. You've got your employer benefit and a member benefit and then an ancillary benefit. The defined benefit portion of military super is the employer benefit, which is accessible to you once you hit age 55. So you're 53 at the moment. You're 54 this year. So you have that technically, next year ish, you'll be able to sort of access that benefit if you choose to. The main thing I kind of wanna bring up is that with this recommendation, I'm actually recommending that if you can, and you don't have to, we will talk more about this as we get closer, and I can look at the numbers to sort of determine at 55 whether it's worthwhile. But I'm actually recommending you maybe hold that benefit until age 60, and that is because there are different tax consequences for doing so. So when you reach between 55 to 59, you're able to access the employer part only as either a lump sum or an income stream. If you're 60, there are different tax consequences for accessing it. Essentially, if you take it as a lump sum benefit, you pay a tax. It's if you take it as an income stream, it's your marginal tax rate. These benefits are not taxed going in, so they are included in your income in your assessable income, and you do pay tax your marginal tax rate is under 60 on drawing the amount as an income stream. If you take it as a lump sum, then it is up to 30% plus Medicare levy if you're under the age of 60. If you're 60 and over and you decide to take it as an income stream, you do get an offset. So it is your marginal tax rate that you do get an offset. It's about 10% as a tax offset. And if you take it as a lump sum, it's conceptually taxed at 15% plus Medicare levy to 17% instead of 30%. So when you get to that age or close that age, we can look at what the updated balance looks like inside that portion. I can work out the the expected math on what the drawdown is. We can use it we can even also ask them to give us a quote on what they what they see the drawdown to be looked at. We can look at the tax consequences and work out whether it's drawing it out better at 55 or whether we hold off until 60 to make sure you get the most out of the benefit is a better option. Yeah. Absolutely. Yeah. Yeah. Yeah. Yeah. Absolutely not. Absolutely not. Absolutely not. And and the good thing is, like, once you get to 60, we can also consolidate the different benefits. So at 55, the ancillary and the member benefits, which are only a very small portion, I believe you actually don't have any ancillary benefits, and there's only a small portion of the member benefit there. They actually do have to stay intact. We can't move them out at any point yet. At 60, we can look to roll them over. At 60, we can also roll over the entire amount into hub 24 as well, and, essentially, they do that 15% tax when the rollover is commenced. So there's other options that we can look at, but I do see the best benefit for you is to retain this until the age of 60. At 60, we can draw some out here to purchase the caravan. We can roll it over. There's a whole bunch of different things that we can do, but the tax consequences are much lower from the age of 60 onwards. So I've put a lot of that fun stuff in there for you with the tax breakdowns and things like that. No. That's okay. I promise you I'd do a good amount of research on your benefit, how much you had, and what the the advantages, disadvantages, and risks are. And I've got all those for you below as well. So you've got, I think, about three pages with all the advantages, the disadvantages, the risks involved of the strategies, and also any additional alternatives I've considered as well. So one of the alternatives is that we look at this at 55 and 60 again to look at what the tax consequences are. I've based an estimated tax result based on the balance I was able to obtain to the member side of things, and then we can always review that down the track for you as well. But it is best to retain that as it is. And as we kinda noted, this isn't invested in a normal market condition. It doesn't fluctuate. So if it's 50, and as much as it grows at a lower rate of return, it's not subject to market changes. So it's kinda giving you a bit more of a defensive investment. Yeah. No. Absolutely. Yeah. Yeah. Yeah. Absolutely. Absolutely. So now that's essentially the bulk there. We just retain the military safer as it is, make some changes to your hub twenty four portfolio. I have got a on page number 30, there a bit of a and I did assure you with hub twenty four because we can't we don't know what will be interest rate that or the the index rate that the military sleeper increases by. It changes depending on what's happening with the markets and and with the rules of the funds there. We haven't included that in the projected balance here, but the projection essentially shows you with the changes in Hub twenty four with your current season contributions and the five year rolling average if you are able to get that 11.11% on a yearly basis over the next five to ten years, essentially, where your Hub twenty four balance could be. So then by retaining military super I know you wanna use some of that for a caravan, which is absolutely fine, but that only adds on top of this essentially depending on market conditions for you. Okay. Yeah. Perfect. If you go down to the next page there, I as I mentioned, I've actually been a retirement planning to a limited scope for this to sort of show you the long term effects. So I like to project out as you are closer to accessing super, essentially, what this might look like if you did stop working at the age of 60. I know we're working on an average income of about $5,060,000 from your super there. This shows that with the projected outcome, to get longevity to make your super last until about ninety, ninety one there, you would only be able to draw out about 45,780 as an estimated income. To draw out the 50 or 60,000, it does mean your super doesn't last as long. So we are sort of under under the limit by that 17,000 there at the moment, but this is not factoring in Centrelink. I did originally have a Centrelink projection in there for you as well. But because you've now got your investment property with your assets, it is slightly over the threshold currently with the projected outcome plus your assets, but that doesn't mean I can't get it. I do a lot of sheltering of investments and working with clients to access even part pension. So when you get closer to 67, we can look at sheltering assets, look at what loans you have, investment property, where your super balance sits, and what we can do to try and get you part age pension as well as any other benefits that you might be eligible for to get longevity and and draw less out of super for you as well. Okay? Yeah. So this sort of shows that whilst we're on a good track, longevity wise, we are a little bit off the mark there. We also only consider a very a conservative rate of return in in in retirement years. So when you kinda hit those retirement years, you are drawing income down. We're not sort of aiming for those high growth or growth sort of trajectory investment targets. We're normally only looking to get between a five to 9% return out of that super on a yearly basis because we're taking less risk in the market. We tend to be more defensive in those years. So we do factor this off, like, more conservative rate of return in those retirement years as well. So this sort of shows you where we're tracking at the moment, but we can keep looking at things, keep tracking, keep adjusting everything to make sure that we're on track and see where we end up in the next sort of five to ten years and when you choose to retire as well. Does that make sense? Yep. Beautiful. Do you have any questions so far? You're welcome to ask me anything you like. Or yep. Fantastic. Beautiful. Beautiful. Now the next page is the insurance side of things. So at the moment with your cover, you do have you've got a bit over 800,000 of life and t p d there, and so $8.75 of life and TBD there, and you've got some income protection. We sort of looked at what your goals were when we spoke last time, and you wanted to make sure that if anything happens to you with life and TBD, that you have six years of income replacement covered plus the mortgage. I've only faxed in the main primary residence, not the investment property for this. I can always look to adjust it if need be, but I've also got an alternative for you as well. So at the moment, you're paying so at the moment, out of your super, you're paying it's about it's been over 9,000 on a yearly basis there. It's about 8,389 that you pay out of super for your insurances for this year. It does also mean that with your goal, you're a bit underinsured for your life and TBD there. So when I went back and had a look at the math and looked at what you needed to be insured for, it does say that we do need to increase your life and TBD a little bit. We the math came out at about 917,000 of life and TBD, but it worked out only a small cost to increase it to about 8 by 86,000 and give you a full bill. And it actually still works out cheaper than what you are paying at the moment. So I'm recommending that we do increase your life and TBD to a million dollars even, but we're also gonna decrease your income protection benefit there. So at the moment, you are slightly over insured with regards to income protection. So we can look to decrease the IP benefit down to that monthly benefit of $7.01 $1.07. That brings you back in line with 70% of your income, giving you still that ninety day wait five year benefit period. And because it's it is still reducing the cost of your insurance premium, so the total premium of the $9,013.72, that's how much the insurer receives. What you actually pay is that $7.06 $6.02 per annum. So because with the way taxation works inside super, contribution to tax the 15% with the way the money doesn't leave the super system, you actually get a 15% rebate on the premium coming out of super. So that's why it actually gives you a bit of a 15% discount, and you pay less inside super for your premium than what the insurer actually receives on the other end, if that makes sense. It's a little bit weird the way it works. So when you pay for this inside of Super, you'll see at the top here, it's actually owned by the MetLife trustees. And that's because when you hold insurances inside Super, the policy is actually owned by MetLife Super trustees, and they have this little Superfund over here which holds the insurances for you, so it retains the Super product. And because the money going over acts like a contribution to the insurer, so they receive or they would have to they account for the 15% tax on the other side. And when the premium comes out of your super fund, it goes from one super fund to another. So it never actually leaves the super fund the super system, and they give you a rebate or a 15% discount on the money coming out to account for the 15% on the other side. It's a bit weird the way it works, but it's really cool because it gives you a discount. So it's it's it's been convoluted the way the whole thing the whole thing works, but I love the fact that you get a discount out of it. So it means the amount you pay is not the amount the insurer receives for the year, but you're still fully covered. So yeah. Yeah. Yeah. Now that is essentially the way you have at the moment. When I had a really good look back, you kinda mentioned to me last time there's been no major changes in your health since we did the original application there. And increasing your life and CBD does mean you have to go through an increased application. So they will underwrite the increase of the policy. At the moment, looking at your current policy, you do have some exclusions. So we do have a mental health and a spine exclusion there. With those, I would expect them to still be applied to the higher level of cover there. However, if there's any changes to to your health since then, depending on what's disclosed, there could be other exclusions applied. Okay? So it just comes nothing changed. Beautiful. That's what we wanna hear. In the appendix, which is attached there for you, I have also got an alternative for you to consider as well. So the other alternative is if you decided you didn't wanna go to the increased application, we could just look to decrease your life and TPD to cover the mortgage. And that would mean that if you were to pass away, your wife could receive a benefit to cover the mortgage amount, and then your super benefit and your defined benefit from military super gets paid to her as additional income or additional support on top of that. And the same thing in the event of a TPD claim. So the problem with TPD is that we're still alive. We're still here. We still have ongoing expenses. But if you were to look at that alternative there, it's essentially just reducing the TBD from where you have it now down to about that two fifty eight months to cover the mortgage, and then just having your super and your deferred benefit, paid out on top of that as additional income if that's what we're able to do with the time there. It does reduce the cost from what you are paying at the moment down to about 5,007. So it does reduce the cost a lot more significantly, which in the longer term does increase the overall projection when you kinda weigh it up with everything else. But what I've got in the advice document here is more in line with your goal. So it's just about working out what's more comfortable for you. Do you wanna go through the increase of the life and TPD as well as decrease the income protection, or would you rather just decrease the life and TPD and save a lot more in the way of insurance premium costs? So I've kind of added both of those for you. Sorry. Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. And we review this with you on a regular basis, so we'll keep reviewing the insurances, keep altering them as we need to. Obviously, as your mortgage decreases, as your super balance increases over time, we can make sure we decrease those levels of cover as well for you. Yeah. Beautiful. MetLife is a really great product to have. I've also got in there for you all the advantages, the disadvantages, and the risks involved. MetLife gives you certain things like premium relief for unemployment. So if you become involuntarily unemployed, your premium to life and TVD can be put on or waived or put on hold for three months just to save the amount of the premiums being paid for those. The only downside is if you use that premium release, so you can't claim in that three months as well, but it does give you, you know, a little bit of extra protection in the event that you, you know, need to hold off on paying those premiums. These do also increase every year along with indexation, so it means that it keeps up with CPI, which is really important as well. You wanna make sure that if you had the claim, that the money actually pays out and covers the cost of what you needed to cover. We do know a $100 this year isn't worth a $100 next year. So our buying capacity is eaten away by in by CPI every year, so making sure that continues there for you is important. It's with the income protection, it's reducing it down does mean that there's no increase there. It does save you on premiums. Income protection does work out to be at 90% of our insurance cost. So by increasing life and CBD and decreasing your income protection, you do actually save a bit on premiums, which is really good. The reason is such a higher cost is it is always the first thing we claim on. Generally, when we look at insurances, we start by claiming on trauma and or income protection. And then if we still can't buy back to work, then we look at TBD. And then if we pass away from that, we it becomes a life insurance claim. So that's why income protection is the most readily one paid out. It is the biggest one, most one claimed on, and it's the highest cost to be covered. The downside to income protection is that it doesn't actually cover a 100% of that income. It's designed to give us a base level of cover to cover basic living expenses, and so they only let us cover up to 70 of your income. And that is so that we it is designed to make us wanna go back to work because we need more money to to cover our bills and to live our life. So the theory is that if we could cover a 100% of our income with protection, we'd all go on claim and never wanna go back because why would you? You you you got all your money coming in the same rate. With a nine with a ninety day waiting period, it does mean you have to be off work off work for ninety days prior to making a claim. And with a five year benefit period, you can be on a claim for up to five years. I like a five year benefit period. It's kind of a happy medium. I always think two years is a little bit low just because if something happens significantly, you were off work for that two years. At that two year mark, the claim discontinues, whereas having that five year benefit period, if you get to two years or three years and you're still only working or you can go back to work, but you go back to work maybe one or two or three days away, you can access a partial claim as well. So I I like a five year benefit period. It gives you both the full and partial claim option and kind of the happy medium in the way of premiums as well. Okay? Beautiful. In all of these sections, I have outlined the best interest duty, which essentially outlines the recommendation and how it's in line with your goals and under best interest for you. So I relate all that back to make it nice and easy. You're welcome to have a really good read through those sections as well. And then I've also considered any alternatives, and, you know, we've looked at obviously, in the appendix, I've also got the alternative. Because your needs analysis technically came out to 917,000, we've increased it to a million dollars because we get discounts for every 250,000. So to give you an extra $83,000 of cover between that $9.01 7 to the million, it was only gonna cost a $113 more. So we figured a $113 for the year to give you an extra $83,000 of life and TBD. It just felt like the right thing to do. So give you a bit more benefit. Yeah. Other than that, the only other recommendation here is to make sure you know, you mentioned to me you did have a will. I have made a recommendation just to update and yeah. Have your review your will review by us listed and update. I do make that a fairly standard recommendation, just making sure that we have that at the forefront of our minds. So making sure that we have it listed to review, make sure our will is up to date, and when it becomes invalid or needs to be updated. Generally speaking, a will should be updated around every three to five years depending on changes in our life and our circumstances. And having it reviewed by a legal professional or a solicitor is important to make sure that it's always working. To the best, wills are fantastic because, essentially, making sure that you can set up trust and have things requested to different people. You know, you can have things sent off to, you know, your family members, your friends, your colleague from ten years ago, or you can have things I've got a client who basically doesn't have anyone they wanna leave anything to. So everything is going up to different charities, and I've met a lot of them over the past couple of years. So it gives you a lot more control and access as to who you want money to be handed to. So I have just made a standard recommendation to review your will. Also, have a power of attorney established if you haven't yet got one, making sure those power of attorneys are up to date and that you do have someone that you trust to make those decisions in the event that you're incapacitated or unable to make decisions for yourself is really important. And I believe your beneficiaries were all fine and up to date, so there's no real changes to be made to your beneficiaries there. But I have just made a recommendation that I'll make sure that you do have it noted to your wife and that they are binding non lapsing beneficiary nominations. So I'll go back and make sure that everything is up to date and that we update those nominations if they're not binding non lapsing and make sure it's all nominated a 100% to your wife as well to cover all your bases. Okay. Yeah. Do you have any questions at all? Yeah. Oh, good. Yeah. Perfect. Yeah. Yeah. Yeah. Yeah. Aw. That's fantastic. Yeah. That's okay. Yeah. Yeah. Absolutely. No. That's really perfect. When and if she is ready, I'm a big believer in not pushing anyone to do anything when they're until they are ready to do so because it makes it easy. Yeah. So when she is ready, even if she just wants to have a general conversation about what advice is, how it works, I'm absolutely happy to make that time that suits. And down the track, the one thing I do like about in encouraging her to come on board down the track is that when you get close to accessing super, we can do a really good joint advice document that looks at what you've both got individually, how we make this work, how the drawdowns look, you know, accessing with if she still wants to work, how that kinda coincides with her income, you know, drawing some out of super, then accessing super and sheltering money so we can get age pension and things like that for you guys. So there's some really cool strategies that we can sort of look at from 60 onwards that benefit both of you. So when an issue is absolutely ready, I'm more than happy to have that conversation. But, yeah, when she's ready, it'll be fantastic. There's some cool things we can do down the track here. I'm really excited to help you along. So yeah. All good. The only other thing I do have to let you know about is when we do look at insurances and increase the insurance application, we do note the remuneration side of things. So you obviously, all our advisers provide a fully complimentary to yourself. If you're an ongoing client, you pay that 1.65% per annum. However, when we do recommend insurances, because we are increasing the life and TBD there, MetLife as the insurer do pay us remuneration. So we receive 66% of the first year's premiums on the increase, which is estimated to be $94. And then we still do receive 22% of the premiums ongoing. So it's paid by MetLife to us, not by you in any way. But we like to be open and honest and disclose any remuneration that we do receive there for you. Okay? Yeah. Perfect. Perfect. Well, I will let you go to have a really good read of the document there. If you finally have any questions, let me know. In my world, there is no such thing as a silly question. If there's something that you wanna know, you're welcome to ask it. And moving forward, I do wanna make sure we do, obviously, catch up with you on a regular basis. So how often would you like to see a catch up done through the year? Yep. Perfect. Yep. Yep. Perfect. Yep. Yep. Absolutely. Perfect. So I'll do it six months even now, and then we can keep updating things along the way. Once you're had a bit of a look through everything and I've got you'll probably see a lot of attachments on that email as well. I've attached all the product disclosure statements, the updated military super balances. I've also got the financial services guide in there for you. So, you know, feel free to have a look through any of those documents. Let me know if there's any additional questions there. I like to make sure you've got as much information. Not everyone wants to read it, but it's all there for you in the event that you are wanting to run your eyes over there. And, yeah, if you're happy with everything, we'll get you to sign and return the document back. We'll start by implementing the change to your investment switch, and then we'll get you booked in with my colleague, Jack, there, and he'll do the increase application and decrease your income protection for you, and we'll get that sorted nice and quickly. Okay? Beautiful. Fantastic. The only thing I'm probably gonna ask and, look, you don't have to by any means, but as a small growing business and as an adviser, it's really important for word-of-mouth out there. My colleague, Michelle, will probably just follow-up with a little bit of a message today. She sends out just a link to the Google review site. So if you feel comfortable to do so, if you could leave me a little review, that'd be amazing, or just for the company. It doesn't have to name me if you don't want to. But it's just, like, one of those things we are growing. Word-of-mouth is really important, and, Minh, as I wanna help as many people as I possibly can. So if you're open to doing so, Michelle will pop that out there. And, yeah, if you have any questions, it doesn't matter what it is, let me know. I'll make sure you get booked in for that six monthly catch up. And in the meantime, if there's anything additional, you get nervous at the market or if any questions pop up or if you want any additional advice or just a general conversation, hit me up. I will always make time to book you in to make sure that I'm talking to you as you need it. Okay? Oh, not a problem. Thank you so much for the opportunity. I've loved putting this together for you. It's been a fantastic plan to put together. Really enjoyed the research component. So thank you. Fantastic. Yeah. It's good. Yeah. Beautiful. And there's so many more cool things that we can do moving forward to help you out. So this is just the start, just the beginning, and we'll keep working towards your goals. Yeah. My pleasure. I hope you have an amazing day. Hey. Thank you so much for your time. No worries. Enjoy your day, Chelsea. See you later. 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Hey. This is Dana from Open Financial. How are you this up this morning? I'm very well.\n\nThank you. I had you booked in to go to your updated advice document. Is now a good time there for you? Fantastic. I'm gonna send an email to you just containing the documents there.\n\nSo I'll just get you to open that one when it comes through. Just while that is coming through there for you, Heath, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And I'll just do security there with you as well just because we are discussing your personal information.\n\nSo I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. Now this email, hopefully, should come through fairly quickly there for you.\n\nOh, you have? Fantastic. Lovely. Well, what I'll do is I'll jump in and go through a sense of the recommendations there. I will direct you to a couple of pages to sorta hit the points that I need to hit for you, but then we you can go back and have a really good review of that afterwards.\n\nOkay? Perfect. All good. So with this one here, now the document has been prepared as of the 05/06/2026, has been prepared by myself, Dana Taylor, and my team. My license number is 1304394, and the advice is provided under best interest for you so it's here to meet your goals.\n\nOkay? With the areas that that we are providing you advice on, we've got areas of superannuation. So one of the things was you're looking to hopefully retire around it at the age of 60, the possibility to keep working if you do too longer. You also wanted to look at what to do with your military super, so I've done a really good amount of research on that for you. And then also being able to draw income of around about 50 to 60,000 in retirement from 60 onwards if you choose to retire at 60.\n\nIt was kind of I wanna retire at 60, but with the option to work longer if you if you would wanted to down the track. Okay? Beautiful. With the insurance side of things, you do have some life and CBDs income protection. At the moment, we were reviewing that for you.\n\nEssentially, we wanted to make sure that in the event that you were passed away, that your wife is able to cover the mortgage and looking at six years of income replacement. So we've assessed your life and CPD to cover that for you. And then also just making sure that your income protection is in line with 70% of your income, which is a maximum that we can claim on income protection there. With the estate planning side of things, just making sure that beneficiaries are in line and nominated correctly to make sure that in the event of you passing, that your partner is able to or your wife is able to receive the benefit there. Because you are getting closer to retirement, I've limited scope in the retirement planning side of things.\n\nSo looking at the recommendations that we're making now, and then looking at the next sort of five to ten years to sort of see where we're projected to go, and then we'll keep reviewing and updating that as we get closer to those years. Okay? Excellent. And then scoping out areas of cash flow and savings and also a personal investment that you wanted to possibly buy. You actually bought an investment property now.\n\nI understand. That was one of your goals in the next five years. That's okay. That's absolutely fine. It is scoped out.\n\nI'm not providing advice around investment property side of things, but we can always look at how things are tracking and update advice on the track to reflect that for you. Okay? Beautiful. Now to make things a bit easier, I'll let you go back and have a really good review of everything as we are after we go through the call, because it is often a little bit harder to kinda look at all the pages and go through it. But what I'll get you to do to make it a bit easier is I will just get you to scroll, sorry, down to page number 26 for me.\n\nSo I'll run through the start of the recommendations there with regard to your super and what we're recommending, and then I'll take you to the military super side of things. Okay? Per perfect. Now with this one here, we are recommending that we do retain your hub 24 and your military super exactly as they are. Military super, there's no real change to the investments there in any way because it's not invested as a normal refund is.\n\nBut with normal refund is. But with one twenty four, we are recommending that we do alter the investments that you do have. So we did have a look at the way you were invested and with your goals and what your portfolio have been doing. And we have noted there's some areas that the portfolio could be doing better at. So I am recommending that we do sell down all of the global battery lithium sector.\n\nIt's a good investment, but we're gonna sort of look to cement the gains and move things elsewhere. It's also about reducing the risk level as well as we get closer to retiring. The Better Long Estate in equities has been underperforming, so we are removing and selling all of that investment out of there. The bank hybrids, they are being phased out as an investment vehicle over the next couple of years. So we figured both we are making these changes.\n\nWe may as well look at selling that and replacing the investment. Both we are making the changes because in a couple of years down the track, we're gonna have to anyway. So so it's worth doing it when you make big changes. We've also got the China new economy. There has not been a bad investment.\n\nChina really hasn't kind of come up and being what they thought it was gonna be when we invested the funds in there. So we are looking to remove and replace that as well. Physical Gold has been doing really well is doing really well, but you are a little bit over exposed at the moment. So we are just rebalancing that back from the 11.68 to about 10%. So by no means that we're replacing it, still good to keep.\n\nWe just wanna rebalance back a little bit as well. And then we've got the cybersecurity. It has taken a little bit of a battering this year, but it is still a good investment to hold. You do have about 5.64% at the moment, so we just wanna kind of rebalance that back a bit for you to 5%. And then we've got the S and P 500 again.\n\nNot selling all of it, just rebalancing back to 30%. It is still a really good place to be. I have had a lot of people asking me more about, you know, if it's still worth investing in The US. It absolutely is. Over the longer term, The US still provides great returns, and Australia followed suit as well.\n\nIt's just that what we're going through at the moment is a bit of a hiccup. We just need to kinda go through it, roll through it, and wait for us to come at the other side of what's going on at the moment. So rebounding that back a little bit for you as well. And then with the Van Eck Australian property, again, we are just gonna remove that completely out of the portfolio and invest the funds in other ways. With the beta shares Rafi, so, essentially, we're gonna sell all of that.\n\nIt is hasn't been a bad investment. It has done really well, but, again, I've sort of created a whole new portfolio for you to incorporate both mid and full cap areas within the Australian equities, Just making sure that we're considering your risk level and the returns to the portfolio. So we're gonna get rid of all of that as well. We are gonna buy into the iShares Europe. This is giving you exposure not to one or two companies in Europe, but all the European countries and all the large and mid cap, sorry, investments within Europe.\n\nI do apologize. Sorry for that. So giving you exposure to all the European countries there and also large and mid cap stocks within those European countries to giving you diversification. And Europe is still a very big growth area, especially with what's happening at the moment. Certain European countries are doing very, very well, and we wanna take advantage of those areas for you.\n\nWe've got Japan. So Japan has been quite a bit of a growth area at the moment, especially with what's going on currently. Japan has looked after their sorry, has looked after their their citizens very, very well. They've kinda prepared quite well for what's going on. And over the last couple of years in general, with China not kinda coming to the party and doing things right, there's a lot of movement away from China and into the Japanese economy.\n\nSo we wanted to kinda take advantage of that and just have about 5% invested there for you. We've also got the all world Vanguard all world ex US. So this is investing in essentially globally the entire world, certain parts of it, but not The US. Nothing because we keep the S and P 500 above there for you. But, again, we're giving you diversification.\n\nSo one of the biggest things about being able to reduce your risk level is that we make sure we're diversifying. We can never control a 100% of market risks, but one of the biggest things we can do is diversification. So spread your risk level over different areas, different economies, different countries, and different asset classes. And this is one of the ways of doing this. So keeping the Vanguard or World u ex US investment there, and I have seen some really good gains over the past couple of months, And it's diversifying, keeping your risk a little bit lower.\n\nSo keeping 8% invested there for you. Because we are selling off the then along Australian equities, it hasn't performed as well. We're putting the Australian equity portion into the BetaShares a 200. One of the things that I like about the a 200 as well as the S and P 500 is that you're tracking the top 200 companies on the ASX. And with the S and P 500, you're tracking the top 500 companies in The US market.\n\nThese are tracking certain indices. And, essentially, in order for companies to be within the indices and therefore in these investments, they have to meet a certain criteria. So the investment committee of the industries that these are tracking, they they meet every quarter. They check what companies are eligible to be within the indices, and if they're not eligible, they are removed and replaced with something else. So you can be mindful that you are always tracking the top 200 companies on the ASX with the BetaShares a 200.\n\nAnd same with the S and P 500, you're always tracking the top 500 companies. So it's a really good way of making sure that you're always tracking the top countries, the Sorry. Top companies even when some of those companies may be underperforming or not doing as well. If they don't meet the criteria to remain in the index, then they are removed and therefore removed out of these investments as well to make it nice and easy for you. Okay?\n\nHaving US and Australian exposure separately is really important. It has been a bit up and down recently, but we are seeing really good returns. And even having a look at, you know, the all odds, one of the things I like to look at is the all ordinaries that essentially chop track the top 80% of the market, and we use that as a baseline for what the entire market has been doing for the day. And even this morning, it started out up by over 1%, so it's a good sort of you know, we've had a lot of up up and downs, but today, we're seeing a bit of a positive sign. Yeah.\n\nIt's a nice, nice sign. I've been looking the ups and downs. We're going, wow. We've had some pretty heavy, you know, two, three, four, 7% down, but to see a bit of an up, we've also had really good gains that have kinda mitigated some of those short term losses. So it's a little bit all over the place.\n\nWe're just gonna kinda weather the storm and keep kinda going through it. But that's why altering your portfolio now is a really good thing to do. We take advantage of the ups and downs that we are seeing. Buy in when the prices are discounted at a downtime. And, obviously, we get a little bit less when the market is higher, but we also get those gains as the market comes out and recovers as well.\n\nSo yeah. And then because we are getting rid of the core composite so the bank hybrids, we're gonna move into the core composite bonds. Core composite bonds is giving you access to our government as well as corporate bonds. It also gives you access to diversified corporate bank notes and things like that as well as the bonds globally as well as corporate bank notes. So it is kinda giving you diversification in that defensive area.\n\nBonds are relatively lower risk. They do tend to get a lower rate of return, but having a good mix of growth investments as well as those bonds and fixed interest kinda helps to mitigate long term market volatility and has some low risk investments is also important to have in your portfolio there as well. So that's a bit of a quick breakthrough of those ones. Did you have any questions about the investments? I kinda keep it fairly brief going through the changes, but you're welcome to ask me more if you want to delve deeper.\n\nYeah. Perfect. Perfect. Underneath that, you'll see the cash account. So we do need to keep 1.25% cap in the hub twenty four super account there.\n\nYou have a little bit higher amount at the moment, so we're just gonna invest about $738 there into the investments above to make sure we reduce your cash balance down to the minimum. Essentially, you don't get any real rates of returns from cash, so it is really important to just have the minimum amount of cash in there. Okay. Excellent. Yes.\n\nSorry. Sure. Yeah. Mhmm. Mhmm.\n\nSo that is essentially looking at the target that we should oh, that's including your military super balance at the bottom. Yes. Sorry. I I was like no. So good.\n\nSo that takes into account the target balance that we should have in all of those individual investments. But at the very top of the moment, the updated balance you have in military super so we got a a new statement through the other day. And so they're saying the updated balance is 74,076. So because we are retaining the military super, we are accounting for that balance, and that's giving you a total across what's expected across both of those accounts for you. Okay?\n\nYep. Yeah. Absolutely. Not an issue at all. If you scroll down for me now the other reason we are looking at rebalancing a lot of these as well as moving is that you're in a growth portfolio.\n\nYou should be in a growth that growth environment. We sort of talked a little bit about the risk profile questionnaire and how a growth portfolio generally fits. At the moment, when you look at the way you are invested, your existing, you have about 93.01% in growth investments and about 6.99% in defensive investments. So at the moment, you're actually more of a high growth portfolio, which means you're taking on a bit more risk than where your comfort level was sitting. So what we are looking to do by making these changes is to reduce your risk level a little bit in the market.\n\nSo once they complete the changes there, your portfolio should see about 86% in growth investments and 14 percent in defensive lower risk investments. So we're reducing the risk in the market a little bit, increasing some of those defensive investments, but we also wanna make sure the returns are occurring as well. And that's where kind of the next page comes into consideration, and this is the big comparison table. So I like to make sure everyone is aware there are the advantages as well as the advantages and risks involved of every strategy and every decision we make. When we look at making those changes above, you can see we are buying and selling certain investments there.\n\nAnd your super fund, just like you do, does a tax return every year. So we do know that by making these changes, there are gonna be a CDT, so tax consequences your super fund has to take into account. And once they've kind of gone through and looked at it all back, the difference or the CDP consequence for changing this portfolio this way means that your super fund would account for about $3,274 in CDT. So they will pay that much in tax, essentially. Okay?\n\nIn saying that, you also reduced your investment fees. So by making the switch by moving into some of the cheaper investments, reducing your risk level, And the investment phase, essentially, we can show you save about $1,360 on investment fees. So the reason I kind of looked at this as being a positive thing was, a, we're reducing the risk level, reducing investment fees, but there is a CGT consequence. So it actually works out that in approximately it's about two and a half to three years without any additional growth is where the investment fees would essentially make back that CGT consequence. So it does work out to be in your benefit to do so.\n\nIn saying that, we want that CGT to be made back a lot faster. So we do look at the growth outcome. And on the bottom of that table, sorry, it shows you that the current portfolio you're in and the five year rolling average, this portfolio has averaged about 10.62%. By moving into this newer portfolio and reducing your risk level, you're saving on investment fees, but the five year rolling average has also been slightly higher. So you can be moving into a portfolio that's lower risk, saves you on fees, but has also shown greater past performance, which, moving forward, could provide you with a greater future performance as well depending on market conditions.\n\nDoes that make sense? Beautiful. Now you are your contributions are still going in. There's no change to those in any way, shape, or form, your salary sacrificing and your employer contributions. So keeping them going in exactly as they are provides that greater benefit, especially with the compounding effect.\n\nWith the insurance premiums, I have made a little bit of a recommendation on off who knows for you, and I've got an alternative for you to consider as well, and I'll go through that shortly with you. Okay? With the military super, you'll see it does show retaining that exactly as it is. That doesn't factor into the returns at the bottom there because military super is not invested in market conditions. It's a hybrid sort of product, which is beyond cool.\n\nBut, essentially, it doesn't factor into those returns at the bottom there. They essentially have that growing at a certain interest rate on a yearly basis, and so it's not actually invested in any way, shape, or form like any other super fund out there which invested in any way, shape, or form like any other super fund out there, which is kinda cool. It does. It does. It does.\n\nTo make it a bit easier for you, if you also scroll back up for me just to page number 18, this is the military super side of things for you. So I know it took a little bit longer to get this advice document done out, but I've done a good good amount of research with them and kind of put some figures together for you. I am gonna make a recommendation that we do retain military super exactly as it is for the time being. Your balance is really well there at the moment. And you've got three three components in military super.\n\nYou've got your employer benefit and a member benefit and then an ancillary benefit. The defined benefit portion of military super is the employer benefit, which is accessible to you once you hit age 55. So you're 53 at the moment. You're 54 this year. So you have that technically, next year ish, you'll be able to sort of access that benefit if you choose to.\n\nThe main thing I kind of wanna bring up is that with this recommendation, I'm actually recommending that if you can, and you don't have to, we will talk more about this as we get closer, and I can look at the numbers to sort of determine at 55 whether it's worthwhile. But I'm actually recommending you maybe hold that benefit until age 60, and that is because there are different tax consequences for doing so. So when you reach between 55 to 59, you're able to access the employer part only as either a lump sum or an income stream. If you're 60, there are different tax consequences for accessing it. Essentially, if you take it as a lump sum benefit, you pay a tax.\n\nIt's if you take it as an income stream, it's your marginal tax rate. These benefits are not taxed going in, so they are included in your income in your assessable income, and you do pay tax your marginal tax rate is under 60 on drawing the amount as an income stream. If you take it as a lump sum, then it is up to 30% plus Medicare levy if you're under the age of 60. If you're 60 and over and you decide to take it as an income stream, you do get an offset. So it is your marginal tax rate that you do get an offset.\n\nIt's about 10% as a tax offset. And if you take it as a lump sum, it's conceptually taxed at 15% plus Medicare levy to 17% instead of 30%. So when you get to that age or close that age, we can look at what the updated balance looks like inside that portion. I can work out the the expected math on what the drawdown is. We can use it we can even also ask them to give us a quote on what they what they see the drawdown to be looked at.\n\nWe can look at the tax consequences and work out whether it's drawing it out better at 55 or whether we hold off until 60 to make sure you get the most out of the benefit is a better option. Yeah. Absolutely. Yeah. Yeah.\n\nYeah. Yeah. Absolutely not. Absolutely not. Absolutely not.\n\nAnd and the good thing is, like, once you get to 60, we can also consolidate the different benefits. So at 55, the ancillary and the member benefits, which are only a very small portion, I believe you actually don't have any ancillary benefits, and there's only a small portion of the member benefit there. They actually do have to stay intact. We can't move them out at any point yet. At 60, we can look to roll them over.\n\nAt 60, we can also roll over the entire amount into hub 24 as well, and, essentially, they do that 15% tax when the rollover is commenced. So there's other options that we can look at, but I do see the best benefit for you is to retain this until the age of 60. At 60, we can draw some out here to purchase the caravan. We can roll it over. There's a whole bunch of different things that we can do, but the tax consequences are much lower from the age of 60 onwards.\n\nSo I've put a lot of that fun stuff in there for you with the tax breakdowns and things like that. No. That's okay. I promise you I'd do a good amount of research on your benefit, how much you had, and what the the advantages, disadvantages, and risks are. And I've got all those for you below as well.\n\nSo you've got, I think, about three pages with all the advantages, the disadvantages, the risks involved of the strategies, and also any additional alternatives I've considered as well. So one of the alternatives is that we look at this at 55 and 60 again to look at what the tax consequences are. I've based an estimated tax result based on the balance I was able to obtain to the member side of things, and then we can always review that down the track for you as well. But it is best to retain that as it is. And as we kinda noted, this isn't invested in a normal market condition.\n\nIt doesn't fluctuate. So if it's 50, and as much as it grows at a lower rate of return, it's not subject to market changes. So it's kinda giving you a bit more of a defensive investment. Yeah. No.\n\nAbsolutely. Yeah. Yeah. Yeah. Absolutely.\n\nAbsolutely. So now that's essentially the bulk there. We just retain the military safer as it is, make some changes to your hub twenty four portfolio. I have got a on page number 30, there a bit of a and I did assure you with hub twenty four because we can't we don't know what will be interest rate that or the the index rate that the military sleeper increases by. It changes depending on what's happening with the markets and and with the rules of the funds there.\n\nWe haven't included that in the projected balance here, but the projection essentially shows you with the changes in Hub twenty four with your current season contributions and the five year rolling average if you are able to get that 11.11% on a yearly basis over the next five to ten years, essentially, where your Hub twenty four balance could be. So then by retaining military super I know you wanna use some of that for a caravan, which is absolutely fine, but that only adds on top of this essentially depending on market conditions for you. Okay. Yeah. Perfect.\n\nIf you go down to the next page there, I as I mentioned, I've actually been a retirement planning to a limited scope for this to sort of show you the long term effects. So I like to project out as you are closer to accessing super, essentially, what this might look like if you did stop working at the age of 60. I know we're working on an average income of about $5,060,000 from your super there. This shows that with the projected outcome, to get longevity to make your super last until about ninety, ninety one there, you would only be able to draw out about 45,780 as an estimated income. To draw out the 50 or 60,000, it does mean your super doesn't last as long.\n\nSo we are sort of under under the limit by that 17,000 there at the moment, but this is not factoring in Centrelink. I did originally have a Centrelink projection in there for you as well. But because you've now got your investment property with your assets, it is slightly over the threshold currently with the projected outcome plus your assets, but that doesn't mean I can't get it. I do a lot of sheltering of investments and working with clients to access even part pension. So when you get closer to 67, we can look at sheltering assets, look at what loans you have, investment property, where your super balance sits, and what we can do to try and get you part age pension as well as any other benefits that you might be eligible for to get longevity and and draw less out of super for you as well.\n\nOkay? Yeah. So this sort of shows that whilst we're on a good track, longevity wise, we are a little bit off the mark there. We also only consider a very a conservative rate of return in in in retirement years. So when you kinda hit those retirement years, you are drawing income down.\n\nWe're not sort of aiming for those high growth or growth sort of trajectory investment targets. We're normally only looking to get between a five to 9% return out of that super on a yearly basis because we're taking less risk in the market. We tend to be more defensive in those years. So we do factor this off, like, more conservative rate of return in those retirement years as well. So this sort of shows you where we're tracking at the moment, but we can keep looking at things, keep tracking, keep adjusting everything to make sure that we're on track and see where we end up in the next sort of five to ten years and when you choose to retire as well.\n\nDoes that make sense? Yep. Beautiful. Do you have any questions so far? You're welcome to ask me anything you like.\n\nOr yep. Fantastic. Beautiful. Beautiful. Now the next page is the insurance side of things.\n\nSo at the moment with your cover, you do have you've got a bit over 800,000 of life and t p d there, and so $8.75 of life and TBD there, and you've got some income protection. We sort of looked at what your goals were when we spoke last time, and you wanted to make sure that if anything happens to you with life and TBD, that you have six years of income replacement covered plus the mortgage. I've only faxed in the main primary residence, not the investment property for this. I can always look to adjust it if need be, but I've also got an alternative for you as well. So at the moment, you're paying so at the moment, out of your super, you're paying it's about it's been over 9,000 on a yearly basis there.\n\nIt's about 8,389 that you pay out of super for your insurances for this year. It does also mean that with your goal, you're a bit underinsured for your life and TBD there. So when I went back and had a look at the math and looked at what you needed to be insured for, it does say that we do need to increase your life and TBD a little bit. We the math came out at about 917,000 of life and TBD, but it worked out only a small cost to increase it to about 8 by 86,000 and give you a full bill. And it actually still works out cheaper than what you are paying at the moment.\n\nSo I'm recommending that we do increase your life and TBD to a million dollars even, but we're also gonna decrease your income protection benefit there. So at the moment, you are slightly over insured with regards to income protection. So we can look to decrease the IP benefit down to that monthly benefit of $7.01 $1.07. That brings you back in line with 70% of your income, giving you still that ninety day wait five year benefit period. And because it's it is still reducing the cost of your insurance premium, so the total premium of the $9,013.72, that's how much the insurer receives.\n\nWhat you actually pay is that $7.06 $6.02 per annum. So because with the way taxation works inside super, contribution to tax the 15% with the way the money doesn't leave the super system, you actually get a 15% rebate on the premium coming out of super. So that's why it actually gives you a bit of a 15% discount, and you pay less inside super for your premium than what the insurer actually receives on the other end, if that makes sense. It's a little bit weird the way it works. So when you pay for this inside of Super, you'll see at the top here, it's actually owned by the MetLife trustees.\n\nAnd that's because when you hold insurances inside Super, the policy is actually owned by MetLife Super trustees, and they have this little Superfund over here which holds the insurances for you, so it retains the Super product. And because the money going over acts like a contribution to the insurer, so they receive or they would have to they account for the 15% tax on the other side. And when the premium comes out of your super fund, it goes from one super fund to another. So it never actually leaves the super fund the super system, and they give you a rebate or a 15% discount on the money coming out to account for the 15% on the other side. It's a bit weird the way it works, but it's really cool because it gives you a discount.\n\nSo it's it's it's been convoluted the way the whole thing the whole thing works, but I love the fact that you get a discount out of it. So it means the amount you pay is not the amount the insurer receives for the year, but you're still fully covered. So yeah. Yeah. Yeah.\n\nNow that is essentially the way you have at the moment. When I had a really good look back, you kinda mentioned to me last time there's been no major changes in your health since we did the original application there. And increasing your life and CBD does mean you have to go through an increased application. So they will underwrite the increase of the policy. At the moment, looking at your current policy, you do have some exclusions.\n\nSo we do have a mental health and a spine exclusion there. With those, I would expect them to still be applied to the higher level of cover there. However, if there's any changes to to your health since then, depending on what's disclosed, there could be other exclusions applied. Okay? So it just comes nothing changed.\n\nBeautiful. That's what we wanna hear. In the appendix, which is attached there for you, I have also got an alternative for you to consider as well. So the other alternative is if you decided you didn't wanna go to the increased application, we could just look to decrease your life and TPD to cover the mortgage. And that would mean that if you were to pass away, your wife could receive a benefit to cover the mortgage amount, and then your super benefit and your defined benefit from military super gets paid to her as additional income or additional support on top of that.\n\nAnd the same thing in the event of a TPD claim. So the problem with TPD is that we're still alive. We're still here. We still have ongoing expenses. But if you were to look at that alternative there, it's essentially just reducing the TBD from where you have it now down to about that two fifty eight months to cover the mortgage, and then just having your super and your deferred benefit, paid out on top of that as additional income if that's what we're able to do with the time there.\n\nIt does reduce the cost from what you are paying at the moment down to about 5,007. So it does reduce the cost a lot more significantly, which in the longer term does increase the overall projection when you kinda weigh it up with everything else. But what I've got in the advice document here is more in line with your goal. So it's just about working out what's more comfortable for you. Do you wanna go through the increase of the life and TPD as well as decrease the income protection, or would you rather just decrease the life and TPD and save a lot more in the way of insurance premium costs?\n\nSo I've kind of added both of those for you. Sorry. Yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. Absolutely. And we review this with you on a regular basis, so we'll keep reviewing the insurances, keep altering them as we need to. Obviously, as your mortgage decreases, as your super balance increases over time, we can make sure we decrease those levels of cover as well for you.\n\nYeah. Beautiful. MetLife is a really great product to have. I've also got in there for you all the advantages, the disadvantages, and the risks involved. MetLife gives you certain things like premium relief for unemployment.\n\nSo if you become involuntarily unemployed, your premium to life and TVD can be put on or waived or put on hold for three months just to save the amount of the premiums being paid for those. The only downside is if you use that premium release, so you can't claim in that three months as well, but it does give you, you know, a little bit of extra protection in the event that you, you know, need to hold off on paying those premiums. These do also increase every year along with indexation, so it means that it keeps up with CPI, which is really important as well. You wanna make sure that if you had the claim, that the money actually pays out and covers the cost of what you needed to cover. We do know a $100 this year isn't worth a $100 next year.\n\nSo our buying capacity is eaten away by in by CPI every year, so making sure that continues there for you is important. It's with the income protection, it's reducing it down does mean that there's no increase there. It does save you on premiums. Income protection does work out to be at 90% of our insurance cost. So by increasing life and CBD and decreasing your income protection, you do actually save a bit on premiums, which is really good.\n\nThe reason is such a higher cost is it is always the first thing we claim on. Generally, when we look at insurances, we start by claiming on trauma and or income protection. And then if we still can't buy back to work, then we look at TBD. And then if we pass away from that, we it becomes a life insurance claim. So that's why income protection is the most readily one paid out.\n\nIt is the biggest one, most one claimed on, and it's the highest cost to be covered. The downside to income protection is that it doesn't actually cover a 100% of that income. It's designed to give us a base level of cover to cover basic living expenses, and so they only let us cover up to 70 of your income. And that is so that we it is designed to make us wanna go back to work because we need more money to to cover our bills and to live our life. So the theory is that if we could cover a 100% of our income with protection, we'd all go on claim and never wanna go back because why would you?\n\nYou you you got all your money coming in the same rate. With a nine with a ninety day waiting period, it does mean you have to be off work off work for ninety days prior to making a claim. And with a five year benefit period, you can be on a claim for up to five years. I like a five year benefit period. It's kind of a happy medium.\n\nI always think two years is a little bit low just because if something happens significantly, you were off work for that two years. At that two year mark, the claim discontinues, whereas having that five year benefit period, if you get to two years or three years and you're still only working or you can go back to work, but you go back to work maybe one or two or three days away, you can access a partial claim as well. So I I like a five year benefit period. It gives you both the full and partial claim option and kind of the happy medium in the way of premiums as well. Okay?\n\nBeautiful. In all of these sections, I have outlined the best interest duty, which essentially outlines the recommendation and how it's in line with your goals and under best interest for you. So I relate all that back to make it nice and easy. You're welcome to have a really good read through those sections as well. And then I've also considered any alternatives, and, you know, we've looked at obviously, in the appendix, I've also got the alternative.\n\nBecause your needs analysis technically came out to 917,000, we've increased it to a million dollars because we get discounts for every 250,000. So to give you an extra $83,000 of cover between that $9.01 7 to the million, it was only gonna cost a $113 more. So we figured a $113 for the year to give you an extra $83,000 of life and TBD. It just felt like the right thing to do. So give you a bit more benefit.\n\nYeah. Other than that, the only other recommendation here is to make sure you know, you mentioned to me you did have a will. I have made a recommendation just to update and yeah. Have your review your will review by us listed and update. I do make that a fairly standard recommendation, just making sure that we have that at the forefront of our minds.\n\nSo making sure that we have it listed to review, make sure our will is up to date, and when it becomes invalid or needs to be updated. Generally speaking, a will should be updated around every three to five years depending on changes in our life and our circumstances. And having it reviewed by a legal professional or a solicitor is important to make sure that it's always working. To the best, wills are fantastic because, essentially, making sure that you can set up trust and have things requested to different people. You know, you can have things sent off to, you know, your family members, your friends, your colleague from ten years ago, or you can have things I've got a client who basically doesn't have anyone they wanna leave anything to.\n\nSo everything is going up to different charities, and I've met a lot of them over the past couple of years. So it gives you a lot more control and access as to who you want money to be handed to. So I have just made a standard recommendation to review your will. Also, have a power of attorney established if you haven't yet got one, making sure those power of attorneys are up to date and that you do have someone that you trust to make those decisions in the event that you're incapacitated or unable to make decisions for yourself is really important. And I believe your beneficiaries were all fine and up to date, so there's no real changes to be made to your beneficiaries there.\n\nBut I have just made a recommendation that I'll make sure that you do have it noted to your wife and that they are binding non lapsing beneficiary nominations. So I'll go back and make sure that everything is up to date and that we update those nominations if they're not binding non lapsing and make sure it's all nominated a 100% to your wife as well to cover all your bases. Okay. Yeah. Do you have any questions at all?\n\nYeah. Oh, good. Yeah. Perfect. Yeah.\n\nYeah. Yeah. Yeah. Aw. That's fantastic.\n\nYeah. That's okay. Yeah. Yeah. Absolutely.\n\nNo. That's really perfect. When and if she is ready, I'm a big believer in not pushing anyone to do anything when they're until they are ready to do so because it makes it easy. Yeah. So when she is ready, even if she just wants to have a general conversation about what advice is, how it works, I'm absolutely happy to make that time that suits.\n\nAnd down the track, the one thing I do like about in encouraging her to come on board down the track is that when you get close to accessing super, we can do a really good joint advice document that looks at what you've both got individually, how we make this work, how the drawdowns look, you know, accessing with if she still wants to work, how that kinda coincides with her income, you know, drawing some out of super, then accessing super and sheltering money so we can get age pension and things like that for you guys. So there's some really cool strategies that we can sort of look at from 60 onwards that benefit both of you. So when an issue is absolutely ready, I'm more than happy to have that conversation. But, yeah, when she's ready, it'll be fantastic. There's some cool things we can do down the track here.\n\nI'm really excited to help you along. So yeah. All good. The only other thing I do have to let you know about is when we do look at insurances and increase the insurance application, we do note the remuneration side of things. So you obviously, all our advisers provide a fully complimentary to yourself.\n\nIf you're an ongoing client, you pay that 1.65% per annum. However, when we do recommend insurances, because we are increasing the life and TBD there, MetLife as the insurer do pay us remuneration. So we receive 66% of the first year's premiums on the increase, which is estimated to be $94. And then we still do receive 22% of the premiums ongoing. So it's paid by MetLife to us, not by you in any way.\n\nBut we like to be open and honest and disclose any remuneration that we do receive there for you. Okay? Yeah. Perfect. Perfect.\n\nWell, I will let you go to have a really good read of the document there. If you finally have any questions, let me know. In my world, there is no such thing as a silly question. If there's something that you wanna know, you're welcome to ask it. And moving forward, I do wanna make sure we do, obviously, catch up with you on a regular basis.\n\nSo how often would you like to see a catch up done through the year? Yep. Perfect. Yep. Yep.\n\nPerfect. Yep. Yep. Absolutely. Perfect.\n\nSo I'll do it six months even now, and then we can keep updating things along the way. Once you're had a bit of a look through everything and I've got you'll probably see a lot of attachments on that email as well. I've attached all the product disclosure statements, the updated military super balances. I've also got the financial services guide in there for you. So, you know, feel free to have a look through any of those documents.\n\nLet me know if there's any additional questions there. I like to make sure you've got as much information. Not everyone wants to read it, but it's all there for you in the event that you are wanting to run your eyes over there. And, yeah, if you're happy with everything, we'll get you to sign and return the document back. We'll start by implementing the change to your investment switch, and then we'll get you booked in with my colleague, Jack, there, and he'll do the increase application and decrease your income protection for you, and we'll get that sorted nice and quickly.\n\nOkay? Beautiful. Fantastic. The only thing I'm probably gonna ask and, look, you don't have to by any means, but as a small growing business and as an adviser, it's really important for word-of-mouth out there. My colleague, Michelle, will probably just follow-up with a little bit of a message today.\n\nShe sends out just a link to the Google review site. So if you feel comfortable to do so, if you could leave me a little review, that'd be amazing, or just for the company. It doesn't have to name me if you don't want to. But it's just, like, one of those things we are growing. Word-of-mouth is really important, and, Minh, as I wanna help as many people as I possibly can.\n\nSo if you're open to doing so, Michelle will pop that out there. And, yeah, if you have any questions, it doesn't matter what it is, let me know. I'll make sure you get booked in for that six monthly catch up. And in the meantime, if there's anything additional, you get nervous at the market or if any questions pop up or if you want any additional advice or just a general conversation, hit me up. I will always make time to book you in to make sure that I'm talking to you as you need it.\n\nOkay? Oh, not a problem. Thank you so much for the opportunity. I've loved putting this together for you. It's been a fantastic plan to put together.\n\nReally enjoyed the research component. So thank you. Fantastic. Yeah. It's good.\n\nYeah. Beautiful. And there's so many more cool things that we can do moving forward to help you out. So this is just the start, just the beginning, and we'll keep working towards your goals. Yeah.\n\nMy pleasure. I hope you have an amazing day. Hey. Thank you so much for your time. No worries.\n\nEnjoy your day, Chelsea. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.3999999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.06536958366632462},{"text":"Hey.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.0900888815522194},{"text":"This is Dana from Open Financial.","start":2.96,"end":4.5,"sentiment":"neutral","sentiment_score":0.12192828829089801},{"text":"How are you this up this morning?","start":4.64,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21912475781781332},{"text":"I'm very well.","start":8.16,"end":9.04,"sentiment":"positive","sentiment_score":0.6550055543581644}],"sentiment":"neutral","sentiment_score":0.2436621201535066,"num_words":18,"start":2.3999999,"end":9.04},{"sentences":[{"text":"Thank you.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.7130612134933472},{"text":"I had you booked in to go to your updated advice document.","start":9.5199995,"end":12.24,"sentiment":"positive","sentiment_score":0.3368301714460055},{"text":"Is now a good time there for you?","start":12.24,"end":14.179999,"sentiment":"neutral","sentiment_score":0.26547807082533836},{"text":"Fantastic.","start":16.845,"end":17.345,"sentiment":"positive","sentiment_score":0.6401104927062988},{"text":"I'm gonna send an email to you just containing the documents there.","start":17.725,"end":21.165,"sentiment":"neutral","sentiment_score":0.1890985146164894}],"sentiment":"neutral","sentiment_score":0.3000343348298754,"num_words":35,"start":9.04,"end":21.165},{"sentences":[{"text":"So I'll just get you to open that one when it comes through.","start":21.165,"end":24.385,"sentiment":"positive","sentiment_score":0.3576571437028738},{"text":"Just while that is coming through there for you, Heath, just to let you know, we do record our calls for quality and training purposes.","start":25.085,"end":30.3,"sentiment":"neutral","sentiment_score":0.11547048062086106},{"text":"Are you happy for me to proceed with that?","start":30.3,"end":32.4,"sentiment":"neutral","sentiment_score":0.19735647406842974},{"text":"Fantastic.","start":33.98,"end":34.48,"sentiment":"positive","sentiment_score":0.5115571022033691},{"text":"And I'll just do security there with you as well just because we are discussing your personal information.","start":34.86,"end":39.02,"sentiment":"neutral","sentiment_score":0.22273755570252737}],"sentiment":"neutral","sentiment_score":0.20959615538066084,"num_words":66,"start":21.165,"end":39.02},{"sentences":[{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":39.02,"end":43.565,"sentiment":"neutral","sentiment_score":0.0696536854264282},{"text":"Yep.","start":47.704998,"end":48.204998,"sentiment":"neutral","sentiment_score":0.03998633101582527},{"text":"Beautiful.","start":51.225,"end":51.725,"sentiment":"positive","sentiment_score":0.4380744099617005},{"text":"Thank you so much for that.","start":51.864998,"end":53.644997,"sentiment":"positive","sentiment_score":0.577400823434194},{"text":"Now this email, hopefully, should come through fairly quickly there for you.","start":54.905,"end":59.210003,"sentiment":"positive","sentiment_score":0.3677275429169337}],"sentiment":"neutral","sentiment_score":0.2394615509888021,"num_words":41,"start":39.02,"end":59.210003},{"sentences":[{"text":"Oh, you have?","start":59.75,"end":60.57,"sentiment":"neutral","sentiment_score":0.01744639314711094},{"text":"Fantastic.","start":61.59,"end":62.09,"sentiment":"positive","sentiment_score":0.35262131690979004},{"text":"Lovely.","start":62.47,"end":62.97,"sentiment":"neutral","sentiment_score":0.3123180568218231},{"text":"Well, what I'll do is I'll jump in and go through a sense of the recommendations there.","start":63.030003,"end":66.950005,"sentiment":"neutral","sentiment_score":0.15395716270979712},{"text":"I will direct you to a couple of pages to sorta hit the points that I need to hit for you, but then we you can go back and have a really good review of that afterwards.","start":66.950005,"end":76.274994,"sentiment":"neutral","sentiment_score":0.13994558638817556}],"sentiment":"neutral","sentiment_score":0.14428028840003376,"num_words":59,"start":59.75,"end":76.274994},{"sentences":[{"text":"Okay?","start":76.415,"end":76.915,"sentiment":"neutral","sentiment_score":0.08486954867839813},{"text":"Perfect.","start":78.415,"end":78.915,"sentiment":"neutral","sentiment_score":0.3253534436225891},{"text":"All good.","start":79.055,"end":79.795,"sentiment":"neutral","sentiment_score":0.308572381734848},{"text":"So with this one here, now the document has been prepared as of the 05/06/2026, has been prepared by myself, Dana Taylor, and my team.","start":80.494995,"end":90.03,"sentiment":"neutral","sentiment_score":0.136889229118824},{"text":"My license number is 1304394, and the advice is provided under best interest for you so it's here to meet your goals.","start":90.03,"end":97.96999,"sentiment":"neutral","sentiment_score":0.19898266717791557}],"sentiment":"neutral","sentiment_score":0.17308268944422403,"num_words":51,"start":76.415,"end":97.96999},{"sentences":[{"text":"Okay?","start":98.03,"end":98.53,"sentiment":"neutral","sentiment_score":0.11474262177944183},{"text":"With the areas that that we are providing you advice on, we've got areas of superannuation.","start":100.195,"end":104.775,"sentiment":"neutral","sentiment_score":0.06651842757128179},{"text":"So one of the things was you're looking to hopefully retire around it at the age of 60, the possibility to keep working if you do too longer.","start":105.155,"end":112.455,"sentiment":"neutral","sentiment_score":0.07341546412291271},{"text":"You also wanted to look at what to do with your military super, so I've done a really good amount of research on that for you.","start":113.35,"end":119.21,"sentiment":"positive","sentiment_score":0.3688061157098183},{"text":"And then also being able to draw income of around about 50 to 60,000 in retirement from 60 onwards if you choose to retire at 60.","start":119.51,"end":127.175,"sentiment":"neutral","sentiment_score":0.22126516929039589}],"sentiment":"neutral","sentiment_score":0.19151055534399047,"num_words":97,"start":98.03,"end":127.175},{"sentences":[{"text":"It was kind of I wanna retire at 60, but with the option to work longer if you if you would wanted to down the track.","start":127.175,"end":133.375,"sentiment":"neutral","sentiment_score":0.13161191602165884},{"text":"Okay?","start":133.375,"end":133.875,"sentiment":"neutral","sentiment_score":0.11179547011852264},{"text":"Beautiful.","start":134.895,"end":135.395,"sentiment":"positive","sentiment_score":0.7043936252593994},{"text":"With the insurance side of things, you do have some life and CBDs income protection.","start":136.335,"end":140.5,"sentiment":"positive","sentiment_score":0.34089006781578063},{"text":"At the moment, we were reviewing that for you.","start":140.5,"end":142.84,"sentiment":"neutral","sentiment_score":0.17463024954001108}],"sentiment":"neutral","sentiment_score":0.21006004182765117,"num_words":52,"start":127.175,"end":142.84},{"sentences":[{"text":"Essentially, we wanted to make sure that in the event that you were passed away, that your wife is able to cover the mortgage and looking at six years of income replacement.","start":143.22,"end":151.0,"sentiment":"neutral","sentiment_score":0.19621522212401032},{"text":"So we've assessed your life and CPD to cover that for you.","start":151.06,"end":154.36,"sentiment":"neutral","sentiment_score":0.2494590270022551},{"text":"And then also just making sure that your income protection is in line with 70% of your income, which is a maximum that we can claim on income protection there.","start":154.615,"end":163.595,"sentiment":"neutral","sentiment_score":0.19710445106029512},{"text":"With the estate planning side of things, just making sure that beneficiaries are in line and nominated correctly to make sure that in the event of you passing, that your partner is able to or your wife is able to receive the benefit there.","start":164.615,"end":176.68,"sentiment":"neutral","sentiment_score":0.22995386069471185},{"text":"Because you are getting closer to retirement, I've limited scope in the retirement planning side of things.","start":177.62,"end":182.26,"sentiment":"neutral","sentiment_score":-0.01216973561574431}],"sentiment":"neutral","sentiment_score":0.18590083947336233,"num_words":135,"start":143.22,"end":182.26},{"sentences":[{"text":"So looking at the recommendations that we're making now, and then looking at the next sort of five to ten years to sort of see where we're projected to go, and then we'll keep reviewing and updating that as we get closer to those years.","start":182.26,"end":193.855,"sentiment":"neutral","sentiment_score":0.08068767901923922},{"text":"Okay?","start":193.915,"end":194.415,"sentiment":"neutral","sentiment_score":0.09511268138885498},{"text":"Excellent.","start":195.275,"end":195.775,"sentiment":"positive","sentiment_score":0.561552882194519},{"text":"And then scoping out areas of cash flow and savings and also a personal investment that you wanted to possibly buy.","start":196.41,"end":202.65,"sentiment":"neutral","sentiment_score":0.25732289254665375},{"text":"You actually bought an investment property now.","start":202.65,"end":204.41,"sentiment":"neutral","sentiment_score":0.15607658241476333}],"sentiment":"neutral","sentiment_score":0.14378570586442949,"num_words":75,"start":182.26,"end":204.41},{"sentences":[{"text":"I understand.","start":204.41,"end":204.97,"sentiment":"neutral","sentiment_score":0.12308971583843231},{"text":"That was one of your goals in the next five years.","start":204.97,"end":207.31,"sentiment":"neutral","sentiment_score":0.09305239536545494},{"text":"That's okay.","start":210.615,"end":211.355,"sentiment":"neutral","sentiment_score":0.16912174969911575},{"text":"That's absolutely fine.","start":213.33499,"end":214.535,"sentiment":"neutral","sentiment_score":0.32678166031837463},{"text":"It is scoped out.","start":214.535,"end":215.495,"sentiment":"neutral","sentiment_score":0.14787275157868862}],"sentiment":"neutral","sentiment_score":0.14453796669840813,"num_words":22,"start":204.41,"end":215.495},{"sentences":[{"text":"I'm not providing advice around investment property side of things, but we can always look at how things are tracking and update advice on the track to reflect that for you.","start":215.495,"end":223.255,"sentiment":"neutral","sentiment_score":0.03810085218039251},{"text":"Okay?","start":223.255,"end":223.755,"sentiment":"neutral","sentiment_score":0.14473982155323029},{"text":"Beautiful.","start":224.37001,"end":224.87001,"sentiment":"neutral","sentiment_score":0.06110954284667969},{"text":"Now to make things a bit easier, I'll let you go back and have a really good review of everything as we are after we go through the call, because it is often a little bit harder to kinda look at all the pages and go through it.","start":225.73001,"end":236.69,"sentiment":"neutral","sentiment_score":0.109665687661618},{"text":"But what I'll get you to do to make it a bit easier is I will just get you to scroll, sorry, down to page number 26 for me.","start":236.69,"end":246.195,"sentiment":"neutral","sentiment_score":0.1376168817795556}],"sentiment":"neutral","sentiment_score":0.09674380328506231,"num_words":110,"start":215.495,"end":246.195},{"sentences":[{"text":"So I'll run through the start of the recommendations there with regard to your super and what we're recommending, and then I'll take you to the military super side of things.","start":246.195,"end":255.92,"sentiment":"neutral","sentiment_score":0.1171669318310676},{"text":"Okay?","start":256.54,"end":257.04,"sentiment":"neutral","sentiment_score":0.0803692638874054},{"text":"Per perfect.","start":257.66,"end":259.03998,"sentiment":"positive","sentiment_score":0.3882472589612007},{"text":"Now with this one here, we are recommending that we do retain your hub 24 and your military super exactly as they are.","start":259.82,"end":266.4,"sentiment":"neutral","sentiment_score":0.29823486312575964},{"text":"Military super, there's no real change to the investments there in any way because it's not invested as a normal refund is.","start":266.69998,"end":270.3,"sentiment":"neutral","sentiment_score":-0.06845337203280492}],"sentiment":"neutral","sentiment_score":0.12458818146510969,"num_words":79,"start":246.195,"end":270.3},{"sentences":[{"text":"But with normal refund is.","start":270.3,"end":273.01498,"sentiment":"neutral","sentiment_score":-0.05924762040376663},{"text":"But with one twenty four, we are recommending that we do alter the investments that you do have.","start":273.555,"end":278.035,"sentiment":"neutral","sentiment_score":0.03780007196797265},{"text":"So we did have a look at the way you were invested and with your goals and what your portfolio have been doing.","start":278.035,"end":284.055,"sentiment":"neutral","sentiment_score":0.12357856592406398},{"text":"And we have noted there's some areas that the portfolio could be doing better at.","start":284.37,"end":288.37,"sentiment":"neutral","sentiment_score":0.030241713921229044},{"text":"So I am recommending that we do sell down all of the global battery lithium sector.","start":288.37,"end":293.49,"sentiment":"neutral","sentiment_score":0.06802066788077354}],"sentiment":"neutral","sentiment_score":0.0619276182411553,"num_words":77,"start":270.3,"end":293.49},{"sentences":[{"text":"It's a good investment, but we're gonna sort of look to cement the gains and move things elsewhere.","start":293.49,"end":298.15,"sentiment":"neutral","sentiment_score":0.08246331548111306},{"text":"It's also about reducing the risk level as well as we get closer to retiring.","start":298.485,"end":302.50497,"sentiment":"neutral","sentiment_score":0.005877281228701274},{"text":"The Better Long Estate in equities has been underperforming, so we are removing and selling all of that investment out of there.","start":304.32498,"end":310.905,"sentiment":"neutral","sentiment_score":-0.2528610385277055},{"text":"The bank hybrids, they are being phased out as an investment vehicle over the next couple of years.","start":311.42,"end":317.58002,"sentiment":"neutral","sentiment_score":-0.014910013673620092},{"text":"So we figured both we are making these changes.","start":317.58002,"end":320.30002,"sentiment":"neutral","sentiment_score":0.01728425630264812}],"sentiment":"neutral","sentiment_score":-0.05003982792585725,"num_words":82,"start":293.49,"end":320.30002},{"sentences":[{"text":"We may as well look at selling that and replacing the investment.","start":320.30002,"end":323.6,"sentiment":"neutral","sentiment_score":-0.008676792805393537},{"text":"Both we are making the changes because in a couple of years down the track, we're gonna have to anyway.","start":323.66,"end":328.575,"sentiment":"neutral","sentiment_score":-0.011239241808652878},{"text":"So so it's worth doing it when you make big changes.","start":328.71503,"end":331.61502,"sentiment":"neutral","sentiment_score":0.12906682829965244},{"text":"We've also got the China new economy.","start":332.635,"end":334.635,"sentiment":"neutral","sentiment_score":0.16505065028156554},{"text":"There has not been a bad investment.","start":334.635,"end":336.15503,"sentiment":"neutral","sentiment_score":0.17807042226195335}],"sentiment":"neutral","sentiment_score":0.06127502226777244,"num_words":57,"start":320.30002,"end":336.15503},{"sentences":[{"text":"China really hasn't kind of come up and being what they thought it was gonna be when we invested the funds in there.","start":336.15503,"end":342.11,"sentiment":"neutral","sentiment_score":-0.2001570310929547},{"text":"So we are looking to remove and replace that as well.","start":342.41,"end":345.31,"sentiment":"neutral","sentiment_score":-0.05525416592982682},{"text":"Physical Gold has been doing really well is doing really well, but you are a little bit over exposed at the moment.","start":345.93,"end":352.005,"sentiment":"neutral","sentiment_score":-0.03910761834545569},{"text":"So we are just rebalancing that back from the 11.68 to about 10%.","start":352.005,"end":356.885,"sentiment":"neutral","sentiment_score":-0.03699901871956312},{"text":"So by no means that we're replacing it, still good to keep.","start":356.885,"end":360.08502,"sentiment":"neutral","sentiment_score":0.20574110932648182}],"sentiment":"neutral","sentiment_score":-0.05041813673336565,"num_words":81,"start":336.15503,"end":360.08502},{"sentences":[{"text":"We just wanna rebalance back a little bit as well.","start":360.08502,"end":362.825,"sentiment":"neutral","sentiment_score":0.09590846225619316},{"text":"And then we've got the cybersecurity.","start":364.13,"end":365.51,"sentiment":"neutral","sentiment_score":0.05166713738193115},{"text":"It has taken a little bit of a battering this year, but it is still a good investment to hold.","start":365.81,"end":370.07,"sentiment":"neutral","sentiment_score":0.1309984415769577},{"text":"You do have about 5.64% at the moment, so we just wanna kind of rebalance that back a bit for you to 5%.","start":370.13,"end":376.55,"sentiment":"neutral","sentiment_score":0.1434407665029816},{"text":"And then we've got the S and P 500 again.","start":377.415,"end":379.815,"sentiment":"neutral","sentiment_score":0.1240829311311245}],"sentiment":"neutral","sentiment_score":0.12215975680105064,"num_words":69,"start":360.08502,"end":379.815},{"sentences":[{"text":"Not selling all of it, just rebalancing back to 30%.","start":379.815,"end":383.015,"sentiment":"neutral","sentiment_score":0.11574660539627075},{"text":"It is still a really good place to be.","start":383.015,"end":384.61502,"sentiment":"positive","sentiment_score":0.6297336551878188},{"text":"I have had a lot of people asking me more about, you know, if it's still worth investing in The US.","start":384.61502,"end":389.33502,"sentiment":"neutral","sentiment_score":0.0911754694368158},{"text":"It absolutely is.","start":389.33502,"end":390.45502,"sentiment":"positive","sentiment_score":0.33971579869588214},{"text":"Over the longer term, The US still provides great returns, and Australia followed suit as well.","start":390.45502,"end":395.72,"sentiment":"neutral","sentiment_score":0.31632205937057734}],"sentiment":"neutral","sentiment_score":0.2511873585566626,"num_words":59,"start":379.815,"end":395.72},{"sentences":[{"text":"It's just that what we're going through at the moment is a bit of a hiccup.","start":395.72,"end":398.62,"sentiment":"neutral","sentiment_score":-0.1926366041880101},{"text":"We just need to kinda go through it, roll through it, and wait for us to come at the other side of what's going on at the moment.","start":398.91998,"end":405.25998,"sentiment":"neutral","sentiment_score":-0.11915306534085955},{"text":"So rebounding that back a little bit for you as well.","start":406.855,"end":409.755,"sentiment":"neutral","sentiment_score":0.10451218621297316},{"text":"And then with the Van Eck Australian property, again, we are just gonna remove that completely out of the portfolio and invest the funds in other ways.","start":409.975,"end":418.075,"sentiment":"neutral","sentiment_score":0.027257749327906856},{"text":"With the beta shares Rafi, so, essentially, we're gonna sell all of that.","start":419.72998,"end":423.65,"sentiment":"neutral","sentiment_score":0.11516625004319045}],"sentiment":"neutral","sentiment_score":-0.031954915429416454,"num_words":95,"start":395.72,"end":423.65},{"sentences":[{"text":"It is hasn't been a bad investment.","start":423.65,"end":425.25,"sentiment":"neutral","sentiment_score":0.2814512848854065},{"text":"It has done really well, but, again, I've sort of created a whole new portfolio for you to incorporate both mid and full cap areas within the Australian equities, Just making sure that we're considering your risk level and the returns to the portfolio.","start":425.25,"end":438.785,"sentiment":"neutral","sentiment_score":0.18094947857951577},{"text":"So we're gonna get rid of all of that as well.","start":439.005,"end":441.345,"sentiment":"neutral","sentiment_score":-0.1706795875321735},{"text":"We are gonna buy into the iShares Europe.","start":441.565,"end":443.885,"sentiment":"neutral","sentiment_score":0.09352342877537012},{"text":"This is giving you exposure not to one or two companies in Europe, but all the European countries and all the large and mid cap, sorry, investments within Europe.","start":443.885,"end":454.24002,"sentiment":"neutral","sentiment_score":0.07204699985169132}],"sentiment":"neutral","sentiment_score":0.11002031328024889,"num_words":99,"start":423.65,"end":454.24002},{"sentences":[{"text":"I do apologize.","start":454.24002,"end":455.12,"sentiment":"neutral","sentiment_score":-0.08083306749661763},{"text":"Sorry for that.","start":455.12,"end":455.94,"sentiment":"neutral","sentiment_score":-0.12415875494480133},{"text":"So giving you exposure to all the European countries there and also large and mid cap stocks within those European countries to giving you diversification.","start":457.84,"end":465.995,"sentiment":"neutral","sentiment_score":0.22267458260059356},{"text":"And Europe is still a very big growth area, especially with what's happening at the moment.","start":466.375,"end":471.095,"sentiment":"neutral","sentiment_score":0.2912763925269246},{"text":"Certain European countries are doing very, very well, and we wanna take advantage of those areas for you.","start":471.095,"end":476.875,"sentiment":"positive","sentiment_score":0.4401140080557929}],"sentiment":"neutral","sentiment_score":0.2697594388173177,"num_words":65,"start":454.24002,"end":476.875},{"sentences":[{"text":"We've got Japan.","start":478.0,"end":478.96,"sentiment":"neutral","sentiment_score":0.08354385197162628},{"text":"So Japan has been quite a bit of a growth area at the moment, especially with what's going on currently.","start":478.96,"end":484.80002,"sentiment":"neutral","sentiment_score":0.15877565667033194},{"text":"Japan has looked after their sorry, has looked after their their citizens very, very well.","start":484.80002,"end":492.325,"sentiment":"neutral","sentiment_score":0.27476419508457184},{"text":"They've kinda prepared quite well for what's going on.","start":492.325,"end":494.40503,"sentiment":"positive","sentiment_score":0.34913024140728843},{"text":"And over the last couple of years in general, with China not kinda coming to the party and doing things right, there's a lot of movement away from China and into the Japanese economy.","start":494.40503,"end":504.18503,"sentiment":"neutral","sentiment_score":-0.12680426952155197}],"sentiment":"neutral","sentiment_score":0.07874610647559166,"num_words":81,"start":478.0,"end":504.18503},{"sentences":[{"text":"So we wanted to kinda take advantage of that and just have about 5% invested there for you.","start":504.40503,"end":509.57,"sentiment":"neutral","sentiment_score":0.1489482099811236},{"text":"We've also got the all world Vanguard all world ex US.","start":510.51,"end":514.99,"sentiment":"neutral","sentiment_score":0.14060128276998346},{"text":"So this is investing in essentially globally the entire world, certain parts of it, but not The US.","start":514.99,"end":521.01495,"sentiment":"neutral","sentiment_score":0.12322678272094992},{"text":"Nothing because we keep the S and P 500 above there for you.","start":521.01495,"end":524.795,"sentiment":"neutral","sentiment_score":0.11885466025425838},{"text":"But, again, we're giving you diversification.","start":525.175,"end":526.71497,"sentiment":"neutral","sentiment_score":0.2434235413869222}],"sentiment":"neutral","sentiment_score":0.14320326985960657,"num_words":66,"start":504.40503,"end":526.71497},{"sentences":[{"text":"So one of the biggest things about being able to reduce your risk level is that we make sure we're diversifying.","start":527.01495,"end":533.78,"sentiment":"neutral","sentiment_score":0.2819381221419289},{"text":"We can never control a 100% of market risks, but one of the biggest things we can do is diversification.","start":534.4,"end":539.54,"sentiment":"neutral","sentiment_score":0.14469451494514943},{"text":"So spread your risk level over different areas, different economies, different countries, and different asset classes.","start":539.84,"end":545.685,"sentiment":"neutral","sentiment_score":0.18288240814581513},{"text":"And this is one of the ways of doing this.","start":545.685,"end":547.78503,"sentiment":"neutral","sentiment_score":0.176092928647995},{"text":"So keeping the Vanguard or World u ex US investment there, and I have seen some really good gains over the past couple of months, And it's diversifying, keeping your risk a little bit lower.","start":548.005,"end":559.52,"sentiment":"positive","sentiment_score":0.3678109177521297}],"sentiment":"neutral","sentiment_score":0.25857863531393166,"num_words":102,"start":527.01495,"end":559.52},{"sentences":[{"text":"So keeping 8% invested there for you.","start":559.52,"end":562.26,"sentiment":"neutral","sentiment_score":0.32019498518535067},{"text":"Because we are selling off the then along Australian equities, it hasn't performed as well.","start":563.36005,"end":569.2,"sentiment":"neutral","sentiment_score":-0.001140943169593812},{"text":"We're putting the Australian equity portion into the BetaShares a 200.","start":569.2,"end":573.675,"sentiment":"neutral","sentiment_score":0.09511005065657875},{"text":"One of the things that I like about the a 200 as well as the S and P 500 is that you're tracking the top 200 companies on the ASX.","start":574.055,"end":582.555,"sentiment":"positive","sentiment_score":0.3405494332313538},{"text":"And with the S and P 500, you're tracking the top 500 companies in The US market.","start":582.77496,"end":587.6,"sentiment":"neutral","sentiment_score":0.11864427433294408}],"sentiment":"neutral","sentiment_score":0.1937987120822072,"num_words":80,"start":559.52,"end":587.6},{"sentences":[{"text":"These are tracking certain indices.","start":588.14,"end":590.32,"sentiment":"neutral","sentiment_score":0.11055758148431778},{"text":"And, essentially, in order for companies to be within the indices and therefore in these investments, they have to meet a certain criteria.","start":590.7,"end":597.52,"sentiment":"neutral","sentiment_score":0.09380530922309212},{"text":"So the investment committee of the industries that these are tracking, they they meet every quarter.","start":598.095,"end":602.675,"sentiment":"neutral","sentiment_score":0.07343522505834699},{"text":"They check what companies are eligible to be within the indices, and if they're not eligible, they are removed and replaced with something else.","start":602.81494,"end":609.45496,"sentiment":"neutral","sentiment_score":0.03443740665291747},{"text":"So you can be mindful that you are always tracking the top 200 companies on the ASX with the BetaShares a 200.","start":609.45496,"end":616.58997,"sentiment":"neutral","sentiment_score":0.09109011156992479}],"sentiment":"neutral","sentiment_score":0.0746194870521625,"num_words":90,"start":588.14,"end":616.58997},{"sentences":[{"text":"And same with the S and P 500, you're always tracking the top 500 companies.","start":616.88995,"end":620.82996,"sentiment":"neutral","sentiment_score":0.07745433648427327},{"text":"So it's a really good way of making sure that you're always tracking the top countries, the Sorry.","start":620.97,"end":626.20496,"sentiment":"neutral","sentiment_score":0.2022430445584986},{"text":"Top companies even when some of those companies may be underperforming or not doing as well.","start":626.20496,"end":632.045,"sentiment":"neutral","sentiment_score":-0.0390741468872875},{"text":"If they don't meet the criteria to remain in the index, then they are removed and therefore removed out of these investments as well to make it nice and easy for you.","start":632.045,"end":640.305,"sentiment":"neutral","sentiment_score":0.05972869216930121},{"text":"Okay?","start":640.365,"end":640.865,"sentiment":"neutral","sentiment_score":0.0469285249710083}],"sentiment":"neutral","sentiment_score":0.0748201240671844,"num_words":82,"start":616.88995,"end":640.865},{"sentences":[{"text":"Having US and Australian exposure separately is really important.","start":642.27,"end":646.05,"sentiment":"neutral","sentiment_score":0.05123105231258604},{"text":"It has been a bit up and down recently, but we are seeing really good returns.","start":646.43,"end":650.51,"sentiment":"neutral","sentiment_score":0.17011324292980134},{"text":"And even having a look at, you know, the all odds, one of the things I like to look at is the all ordinaries that essentially chop track the top 80% of the market, and we use that as a baseline for what the entire market has been doing for the day.","start":650.51,"end":663.765,"sentiment":"neutral","sentiment_score":0.228632631783302},{"text":"And even this morning, it started out up by over 1%, so it's a good sort of you know, we've had a lot of up up and downs, but today, we're seeing a bit of a positive sign.","start":663.90497,"end":673.23,"sentiment":"neutral","sentiment_score":0.27702354379978616},{"text":"Yeah.","start":674.41,"end":674.91,"sentiment":"neutral","sentiment_score":0.27390938997268677}],"sentiment":"neutral","sentiment_score":0.22303958848953762,"num_words":116,"start":642.27,"end":674.91},{"sentences":[{"text":"It's a nice, nice sign.","start":680.64996,"end":682.17,"sentiment":"positive","sentiment_score":0.6101826310157776},{"text":"I've been looking the ups and downs.","start":682.17,"end":683.595,"sentiment":"neutral","sentiment_score":0.125766393329416},{"text":"We're going, wow.","start":683.595,"end":684.155,"sentiment":"neutral","sentiment_score":0.2867230425278346},{"text":"We've had some pretty heavy, you know, two, three, four, 7% down, but to see a bit of an up, we've also had really good gains that have kinda mitigated some of those short term losses.","start":684.155,"end":696.255,"sentiment":"neutral","sentiment_score":0.3275245908233855},{"text":"So it's a little bit all over the place.","start":696.395,"end":698.43,"sentiment":"neutral","sentiment_score":0.1967126743661033}],"sentiment":"neutral","sentiment_score":0.30587910624841846,"num_words":60,"start":680.64996,"end":698.43},{"sentences":[{"text":"We're just gonna kinda weather the storm and keep kinda going through it.","start":698.43,"end":701.97,"sentiment":"neutral","sentiment_score":0.22931081515092117},{"text":"But that's why altering your portfolio now is a really good thing to do.","start":702.19,"end":706.11,"sentiment":"positive","sentiment_score":0.4875525917325701},{"text":"We take advantage of the ups and downs that we are seeing.","start":706.11,"end":708.85,"sentiment":"positive","sentiment_score":0.4320736676454544},{"text":"Buy in when the prices are discounted at a downtime.","start":708.99,"end":712.44995,"sentiment":"neutral","sentiment_score":0.22579596042633057},{"text":"And, obviously, we get a little bit less when the market is higher, but we also get those gains as the market comes out and recovers as well.","start":712.915,"end":719.235,"sentiment":"neutral","sentiment_score":0.3307034820318222}],"sentiment":"positive","sentiment_score":0.3442768570664641,"num_words":77,"start":698.43,"end":719.235},{"sentences":[{"text":"So yeah.","start":719.235,"end":721.015,"sentiment":"neutral","sentiment_score":0.12624777480959892},{"text":"And then because we are getting rid of the core composite so the bank hybrids, we're gonna move into the core composite bonds.","start":721.635,"end":728.99,"sentiment":"neutral","sentiment_score":0.14787686000699582},{"text":"Core composite bonds is giving you access to our government as well as corporate bonds.","start":729.69,"end":734.27,"sentiment":"neutral","sentiment_score":0.2711504856745402},{"text":"It also gives you access to diversified corporate bank notes and things like that as well as the bonds globally as well as corporate bank notes.","start":734.33,"end":742.455,"sentiment":"neutral","sentiment_score":0.2801610386142364},{"text":"So it is kinda giving you diversification in that defensive area.","start":742.995,"end":746.775,"sentiment":"positive","sentiment_score":0.35798559947447345}],"sentiment":"neutral","sentiment_score":0.24601232744269558,"num_words":77,"start":719.235,"end":746.775},{"sentences":[{"text":"Bonds are relatively lower risk.","start":747.15497,"end":749.075,"sentiment":"neutral","sentiment_score":0.30193846821784975},{"text":"They do tend to get a lower rate of return, but having a good mix of growth investments as well as those bonds and fixed interest kinda helps to mitigate long term market volatility and has some low risk investments is also important to have in your portfolio there as well.","start":749.075,"end":764.33997,"sentiment":"positive","sentiment_score":0.365894766999226},{"text":"So that's a bit of a quick breakthrough of those ones.","start":764.33997,"end":767.79504,"sentiment":"neutral","sentiment_score":0.3296342668208209},{"text":"Did you have any questions about the investments?","start":767.935,"end":770.195,"sentiment":"neutral","sentiment_score":0.07841820176690817},{"text":"I kinda keep it fairly brief going through the changes, but you're welcome to ask me more if you want to delve deeper.","start":770.255,"end":776.91504,"sentiment":"neutral","sentiment_score":0.11152491200229396}],"sentiment":"neutral","sentiment_score":0.27539511207415135,"num_words":98,"start":747.15497,"end":776.91504},{"sentences":[{"text":"Yeah.","start":791.02496,"end":791.52496,"sentiment":"neutral","sentiment_score":0.19607514142990112},{"text":"Perfect.","start":792.065,"end":792.565,"sentiment":"positive","sentiment_score":0.5544911623001099},{"text":"Perfect.","start":793.02496,"end":793.52496,"sentiment":"positive","sentiment_score":0.49409937858581543},{"text":"Underneath that, you'll see the cash account.","start":794.46497,"end":796.545,"sentiment":"neutral","sentiment_score":0.1804545521736145},{"text":"So we do need to keep 1.25% cap in the hub twenty four super account there.","start":796.545,"end":801.185,"sentiment":"neutral","sentiment_score":0.020712975063361228}],"sentiment":"neutral","sentiment_score":0.10920212109788106,"num_words":26,"start":791.02496,"end":801.185},{"sentences":[{"text":"You have a little bit higher amount at the moment, so we're just gonna invest about $738 there into the investments above to make sure we reduce your cash balance down to the minimum.","start":801.185,"end":813.05,"sentiment":"neutral","sentiment_score":0.004201179808553527},{"text":"Essentially, you don't get any real rates of returns from cash, so it is really important to just have the minimum amount of cash in there.","start":813.67004,"end":819.85504,"sentiment":"neutral","sentiment_score":-0.022228470716912013},{"text":"Okay.","start":819.85504,"end":820.35504,"sentiment":"neutral","sentiment_score":0.11332318931818008},{"text":"Excellent.","start":821.29504,"end":821.79504,"sentiment":"positive","sentiment_score":0.5095794796943665},{"text":"Yes.","start":822.895,"end":823.29504,"sentiment":"neutral","sentiment_score":0.09717532992362976}],"sentiment":"neutral","sentiment_score":0.004523458314083871,"num_words":63,"start":801.185,"end":823.29504},{"sentences":[{"text":"Sorry.","start":823.29504,"end":823.79504,"sentiment":"neutral","sentiment_score":0.0082840695977211},{"text":"Sure.","start":823.93506,"end":824.43506,"sentiment":"neutral","sentiment_score":0.01624641939997673},{"text":"Yeah.","start":825.05505,"end":825.55505,"sentiment":"neutral","sentiment_score":0.01479717344045639},{"text":"Mhmm.","start":828.895,"end":829.395,"sentiment":"neutral","sentiment_score":0.007571644615381956},{"text":"Mhmm.","start":841.12,"end":841.62,"sentiment":"neutral","sentiment_score":0.01050407625734806}],"sentiment":"neutral","sentiment_score":0.011480676662176847,"num_words":5,"start":823.29504,"end":841.62},{"sentences":[{"text":"So that is essentially looking at the target that we should oh, that's including your military super balance at the bottom.","start":841.76,"end":849.685,"sentiment":"neutral","sentiment_score":0.0285424202503193},{"text":"Yes.","start":851.10504,"end":851.60504,"sentiment":"neutral","sentiment_score":0.08730283379554749},{"text":"Sorry.","start":851.905,"end":852.405,"sentiment":"neutral","sentiment_score":0.018586069345474243},{"text":"I I was like no.","start":853.505,"end":855.585,"sentiment":"neutral","sentiment_score":-0.057909736037254335},{"text":"So good.","start":855.585,"end":856.065,"sentiment":"neutral","sentiment_score":0.13384154811501503}],"sentiment":"neutral","sentiment_score":0.022780471481382847,"num_words":30,"start":841.76,"end":856.065},{"sentences":[{"text":"So that takes into account the target balance that we should have in all of those individual investments.","start":856.065,"end":860.80505,"sentiment":"neutral","sentiment_score":0.07848101326574881},{"text":"But at the very top of the moment, the updated balance you have in military super so we got a a new statement through the other day.","start":861.48,"end":868.78,"sentiment":"neutral","sentiment_score":0.07253730421264966},{"text":"And so they're saying the updated balance is 74,076.","start":869.08,"end":873.0,"sentiment":"neutral","sentiment_score":0.08103914310534795},{"text":"So because we are retaining the military super, we are accounting for that balance, and that's giving you a total across what's expected across both of those accounts for you.","start":873.0,"end":882.245,"sentiment":"neutral","sentiment_score":0.20885578493277232},{"text":"Okay?","start":882.245,"end":882.745,"sentiment":"neutral","sentiment_score":0.042490310966968536}],"sentiment":"neutral","sentiment_score":0.122455077640274,"num_words":85,"start":856.065,"end":882.745},{"sentences":[{"text":"Yep.","start":883.685,"end":884.185,"sentiment":"neutral","sentiment_score":0.03809076547622681},{"text":"Yeah.","start":884.885,"end":885.385,"sentiment":"neutral","sentiment_score":0.025798607617616653},{"text":"Absolutely.","start":886.19,"end":886.69,"sentiment":"neutral","sentiment_score":0.2237027883529663},{"text":"Not an issue at all.","start":886.99,"end":888.37,"sentiment":"neutral","sentiment_score":0.14382918924093246},{"text":"If you scroll down for me now the other reason we are looking at rebalancing a lot of these as well as moving is that you're in a growth portfolio.","start":888.67,"end":897.17,"sentiment":"neutral","sentiment_score":0.0744309368232886}],"sentiment":"neutral","sentiment_score":0.08525437400921394,"num_words":38,"start":883.685,"end":897.17},{"sentences":[{"text":"You should be in a growth that growth environment.","start":897.31,"end":899.48505,"sentiment":"neutral","sentiment_score":0.1166766087214152},{"text":"We sort of talked a little bit about the risk profile questionnaire and how a growth portfolio generally fits.","start":899.48505,"end":905.025,"sentiment":"neutral","sentiment_score":0.07584735084521144},{"text":"At the moment, when you look at the way you are invested, your existing, you have about 93.01% in growth investments and about 6.99% in defensive investments.","start":905.645,"end":917.10004,"sentiment":"neutral","sentiment_score":0.1510197823798215},{"text":"So at the moment, you're actually more of a high growth portfolio, which means you're taking on a bit more risk than where your comfort level was sitting.","start":917.10004,"end":924.56,"sentiment":"neutral","sentiment_score":0.03710799278425319},{"text":"So what we are looking to do by making these changes is to reduce your risk level a little bit in the market.","start":924.675,"end":930.035,"sentiment":"neutral","sentiment_score":0.27559481885122217}],"sentiment":"neutral","sentiment_score":0.13157007453154843,"num_words":106,"start":897.31,"end":930.035},{"sentences":[{"text":"So once they complete the changes there, your portfolio should see about 86% in growth investments and 14 percent in defensive lower risk investments.","start":930.035,"end":939.975,"sentiment":"positive","sentiment_score":0.37375075183808804},{"text":"So we're reducing the risk in the market a little bit, increasing some of those defensive investments, but we also wanna make sure the returns are occurring as well.","start":940.035,"end":948.71,"sentiment":"positive","sentiment_score":0.53712381473903},{"text":"And that's where kind of the next page comes into consideration, and this is the big comparison table.","start":949.01,"end":955.27,"sentiment":"neutral","sentiment_score":0.290969204571512},{"text":"So I like to make sure everyone is aware there are the advantages as well as the advantages and risks involved of every strategy and every decision we make.","start":955.685,"end":963.865,"sentiment":"positive","sentiment_score":0.40387691608790693},{"text":"When we look at making those changes above, you can see we are buying and selling certain investments there.","start":964.485,"end":970.38,"sentiment":"neutral","sentiment_score":0.11962209602719859}],"sentiment":"positive","sentiment_score":0.3678092835705821,"num_words":119,"start":930.035,"end":970.38},{"sentences":[{"text":"And your super fund, just like you do, does a tax return every year.","start":970.46,"end":974.38,"sentiment":"neutral","sentiment_score":0.1318699126797063},{"text":"So we do know that by making these changes, there are gonna be a CDT, so tax consequences your super fund has to take into account.","start":974.38,"end":982.72003,"sentiment":"neutral","sentiment_score":0.07546567544341087},{"text":"And once they've kind of gone through and looked at it all back, the difference or the CDP consequence for changing this portfolio this way means that your super fund would account for about $3,274 in CDT.","start":983.035,"end":995.63,"sentiment":"neutral","sentiment_score":0.09693308255156956},{"text":"So they will pay that much in tax, essentially.","start":995.69,"end":997.95,"sentiment":"neutral","sentiment_score":0.1563038925329844},{"text":"Okay?","start":998.25,"end":998.75,"sentiment":"neutral","sentiment_score":0.13462038338184357}],"sentiment":"neutral","sentiment_score":0.1027145495359925,"num_words":87,"start":970.46,"end":998.75},{"sentences":[{"text":"In saying that, you also reduced your investment fees.","start":1000.89,"end":1004.01,"sentiment":"neutral","sentiment_score":0.29838956395785016},{"text":"So by making the switch by moving into some of the cheaper investments, reducing your risk level, And the investment phase, essentially, we can show you save about $1,360 on investment fees.","start":1004.01,"end":1015.595,"sentiment":"positive","sentiment_score":0.3445561449043453},{"text":"So the reason I kind of looked at this as being a positive thing was, a, we're reducing the risk level, reducing investment fees, but there is a CGT consequence.","start":1015.81494,"end":1023.915,"sentiment":"positive","sentiment_score":0.38620504438877107},{"text":"So it actually works out that in approximately it's about two and a half to three years without any additional growth is where the investment fees would essentially make back that CGT consequence.","start":1024.215,"end":1035.36,"sentiment":"positive","sentiment_score":0.34108379528377997},{"text":"So it does work out to be in your benefit to do so.","start":1036.22,"end":1039.2,"sentiment":"positive","sentiment_score":0.46431657901177037}],"sentiment":"positive","sentiment_score":0.36401140868154347,"num_words":117,"start":1000.89,"end":1039.2},{"sentences":[{"text":"In saying that, we want that CGT to be made back a lot faster.","start":1039.8651,"end":1043.785,"sentiment":"positive","sentiment_score":0.3356733737247331},{"text":"So we do look at the growth outcome.","start":1043.785,"end":1045.7251,"sentiment":"neutral","sentiment_score":0.24884281307458878},{"text":"And on the bottom of that table, sorry, it shows you that the current portfolio you're in and the five year rolling average, this portfolio has averaged about 10.62%.","start":1045.9451,"end":1058.22,"sentiment":"neutral","sentiment_score":0.17849857539966188},{"text":"By moving into this newer portfolio and reducing your risk level, you're saving on investment fees, but the five year rolling average has also been slightly higher.","start":1058.44,"end":1068.14,"sentiment":"neutral","sentiment_score":0.275258242532059},{"text":"So you can be moving into a portfolio that's lower risk, saves you on fees, but has also shown greater past performance, which, moving forward, could provide you with a greater future performance as well depending on market conditions.","start":1068.505,"end":1081.565,"sentiment":"positive","sentiment_score":0.43097401964358795}],"sentiment":"neutral","sentiment_score":0.3086033139982794,"num_words":117,"start":1039.8651,"end":1081.565},{"sentences":[{"text":"Does that make sense?","start":1081.625,"end":1082.765,"sentiment":"neutral","sentiment_score":0.165525633841753},{"text":"Beautiful.","start":1085.79,"end":1086.29,"sentiment":"positive","sentiment_score":0.6482683420181274},{"text":"Now you are your contributions are still going in.","start":1086.91,"end":1089.23,"sentiment":"positive","sentiment_score":0.3886161976390415},{"text":"There's no change to those in any way, shape, or form, your salary sacrificing and your employer contributions.","start":1089.23,"end":1094.29,"sentiment":"neutral","sentiment_score":0.24922531760401195},{"text":"So keeping them going in exactly as they are provides that greater benefit, especially with the compounding effect.","start":1094.43,"end":1100.635,"sentiment":"positive","sentiment_score":0.5880735615889231}],"sentiment":"positive","sentiment_score":0.39758592963218686,"num_words":50,"start":1081.625,"end":1100.635},{"sentences":[{"text":"With the insurance premiums, I have made a little bit of a recommendation on off who knows for you, and I've got an alternative for you to consider as well, and I'll go through that shortly with you.","start":1101.415,"end":1111.195,"sentiment":"neutral","sentiment_score":0.11475040959684472},{"text":"Okay?","start":1111.255,"end":1111.755,"sentiment":"neutral","sentiment_score":0.03554520756006241},{"text":"With the military super, you'll see it does show retaining that exactly as it is.","start":1112.8099,"end":1117.45,"sentiment":"neutral","sentiment_score":0.09714763363202412},{"text":"That doesn't factor into the returns at the bottom there because military super is not invested in market conditions.","start":1117.45,"end":1125.07,"sentiment":"neutral","sentiment_score":0.03606751972907468},{"text":"It's a hybrid sort of product, which is beyond cool.","start":1125.21,"end":1129.845,"sentiment":"neutral","sentiment_score":0.11252575889229774}],"sentiment":"neutral","sentiment_score":0.09233512940356531,"num_words":83,"start":1101.415,"end":1129.845},{"sentences":[{"text":"But, essentially, it doesn't factor into those returns at the bottom there.","start":1129.845,"end":1134.025,"sentiment":"neutral","sentiment_score":0.0517364585151275},{"text":"They essentially have that growing at a certain interest rate on a yearly basis, and so it's not actually invested in any way, shape, or form like any other super fund out there which invested in any way, shape, or form like any other super fund out there, which is kinda cool.","start":1134.485,"end":1147.34,"sentiment":"neutral","sentiment_score":0.07416327084557942},{"text":"It does.","start":1147.34,"end":1148.64,"sentiment":"neutral","sentiment_score":0.2839565873146057},{"text":"It does.","start":1148.6599,"end":1149.54,"sentiment":"neutral","sentiment_score":0.33028462529182434},{"text":"It does.","start":1149.54,"end":1150.3401,"sentiment":"positive","sentiment_score":0.36081932485103607}],"sentiment":"neutral","sentiment_score":0.09182069515809417,"num_words":70,"start":1129.845,"end":1150.3401},{"sentences":[{"text":"To make it a bit easier for you, if you also scroll back up for me just to page number 18, this is the military super side of things for you.","start":1150.3401,"end":1161.135,"sentiment":"neutral","sentiment_score":0.22748503040882848},{"text":"So I know it took a little bit longer to get this advice document done out, but I've done a good good amount of research with them and kind of put some figures together for you.","start":1161.355,"end":1169.055,"sentiment":"neutral","sentiment_score":0.20779760657913154},{"text":"I am gonna make a recommendation that we do retain military super exactly as it is for the time being.","start":1170.0199,"end":1176.2,"sentiment":"neutral","sentiment_score":0.27951575070619583},{"text":"Your balance is really well there at the moment.","start":1176.74,"end":1179.6399,"sentiment":"positive","sentiment_score":0.5676384899351332},{"text":"And you've got three three components in military super.","start":1180.1,"end":1183.7799,"sentiment":"neutral","sentiment_score":0.21700589027669695}],"sentiment":"neutral","sentiment_score":0.25890346871955056,"num_words":105,"start":1150.3401,"end":1183.7799},{"sentences":[{"text":"You've got your employer benefit and a member benefit and then an ancillary benefit.","start":1183.7799,"end":1189.0449,"sentiment":"neutral","sentiment_score":0.1536903360060283},{"text":"The defined benefit portion of military super is the employer benefit, which is accessible to you once you hit age 55.","start":1189.6649,"end":1199.365,"sentiment":"neutral","sentiment_score":0.18502551991315114},{"text":"So you're 53 at the moment.","start":1199.79,"end":1201.9501,"sentiment":"neutral","sentiment_score":0.13779310137033463},{"text":"You're 54 this year.","start":1201.9501,"end":1203.2301,"sentiment":"neutral","sentiment_score":0.14524773508310318},{"text":"So you have that technically, next year ish, you'll be able to sort of access that benefit if you choose to.","start":1203.2301,"end":1211.17,"sentiment":"neutral","sentiment_score":0.25711286067962646}],"sentiment":"neutral","sentiment_score":0.19461091280435072,"num_words":66,"start":1183.7799,"end":1211.17},{"sentences":[{"text":"The main thing I kind of wanna bring up is that with this recommendation, I'm actually recommending that if you can, and you don't have to, we will talk more about this as we get closer, and I can look at the numbers to sort of determine at 55 whether it's worthwhile.","start":1211.7101,"end":1226.855,"sentiment":"neutral","sentiment_score":0.16644354092960173},{"text":"But I'm actually recommending you maybe hold that benefit until age 60, and that is because there are different tax consequences for doing so.","start":1227.96,"end":1235.9,"sentiment":"neutral","sentiment_score":-0.01240717868010203},{"text":"So when you reach between 55 to 59, you're able to access the employer part only as either a lump sum or an income stream.","start":1236.12,"end":1246.1749,"sentiment":"neutral","sentiment_score":0.044919023662805556},{"text":"If you're 60, there are different tax consequences for accessing it.","start":1246.955,"end":1251.915,"sentiment":"neutral","sentiment_score":-0.031800744039091194},{"text":"Essentially, if you take it as a lump sum benefit, you pay a tax.","start":1251.915,"end":1258.48,"sentiment":"neutral","sentiment_score":0.020182550651952624}],"sentiment":"neutral","sentiment_score":0.07470646790701836,"num_words":126,"start":1211.7101,"end":1258.48},{"sentences":[{"text":"It's if you take it as an income stream, it's your marginal tax rate.","start":1258.48,"end":1262.26,"sentiment":"neutral","sentiment_score":0.032173364755830595},{"text":"These benefits are not taxed going in, so they are included in your income in your assessable income, and you do pay tax your marginal tax rate is under 60 on drawing the amount as an income stream.","start":1262.8,"end":1275.105,"sentiment":"neutral","sentiment_score":0.1111255805743368},{"text":"If you take it as a lump sum, then it is up to 30% plus Medicare levy if you're under the age of 60.","start":1276.125,"end":1283.8251,"sentiment":"neutral","sentiment_score":0.07075933087617159},{"text":"If you're 60 and over and you decide to take it as an income stream, you do get an offset.","start":1284.8099,"end":1291.07,"sentiment":"neutral","sentiment_score":0.16778952926397322},{"text":"So it is your marginal tax rate that you do get an offset.","start":1291.13,"end":1294.19,"sentiment":"neutral","sentiment_score":0.12493927003099368}],"sentiment":"neutral","sentiment_score":0.10414150646896264,"num_words":109,"start":1258.48,"end":1294.19},{"sentences":[{"text":"It's about 10% as a tax offset.","start":1294.89,"end":1297.23,"sentiment":"neutral","sentiment_score":0.08838739884751183},{"text":"And if you take it as a lump sum, it's conceptually taxed at 15% plus Medicare levy to 17% instead of 30%.","start":1297.7051,"end":1305.7051,"sentiment":"neutral","sentiment_score":0.07076023468239741},{"text":"So when you get to that age or close that age, we can look at what the updated balance looks like inside that portion.","start":1305.7051,"end":1312.65,"sentiment":"neutral","sentiment_score":0.1034667423615853},{"text":"I can work out the the expected math on what the drawdown is.","start":1312.65,"end":1316.41,"sentiment":"neutral","sentiment_score":0.17273401067807123},{"text":"We can use it we can even also ask them to give us a quote on what they what they see the drawdown to be looked at.","start":1316.41,"end":1322.7301,"sentiment":"neutral","sentiment_score":0.18185051006299477}],"sentiment":"neutral","sentiment_score":0.12703381378644257,"num_words":93,"start":1294.89,"end":1322.7301},{"sentences":[{"text":"We can look at the tax consequences and work out whether it's drawing it out better at 55 or whether we hold off until 60 to make sure you get the most out of the benefit is a better option.","start":1322.7301,"end":1337.385,"sentiment":"neutral","sentiment_score":0.14636123226955533},{"text":"Yeah.","start":1338.245,"end":1338.745,"sentiment":"neutral","sentiment_score":0.1199011281132698},{"text":"Absolutely.","start":1343.44,"end":1343.94,"sentiment":"positive","sentiment_score":0.44603949785232544},{"text":"Yeah.","start":1346.5599,"end":1347.0599,"sentiment":"neutral","sentiment_score":0.13219711184501648},{"text":"Yeah.","start":1347.9199,"end":1348.4199,"sentiment":"neutral","sentiment_score":-0.0927722156047821}],"sentiment":"neutral","sentiment_score":0.14681397302245552,"num_words":44,"start":1322.7301,"end":1348.4199},{"sentences":[{"text":"Yeah.","start":1352.32,"end":1352.82,"sentiment":"neutral","sentiment_score":-0.07275807857513428},{"text":"Yeah.","start":1353.2799,"end":1353.7799,"sentiment":"neutral","sentiment_score":-0.05167343467473984},{"text":"Absolutely not.","start":1358.5751,"end":1359.875,"sentiment":"neutral","sentiment_score":-0.20509342104196548},{"text":"Absolutely not.","start":1361.6951,"end":1363.2151,"sentiment":"neutral","sentiment_score":-0.1852819249033928},{"text":"Absolutely not.","start":1363.2151,"end":1364.3551,"sentiment":"neutral","sentiment_score":-0.23303939402103424}],"sentiment":"neutral","sentiment_score":-0.1714076241478324,"num_words":8,"start":1352.32,"end":1364.3551},{"sentences":[{"text":"And and the good thing is, like, once you get to 60, we can also consolidate the different benefits.","start":1364.655,"end":1369.9551,"sentiment":"neutral","sentiment_score":0.2281409917693389},{"text":"So at 55, the ancillary and the member benefits, which are only a very small portion, I believe you actually don't have any ancillary benefits, and there's only a small portion of the member benefit there.","start":1370.015,"end":1380.93,"sentiment":"neutral","sentiment_score":-0.0024251508940425185},{"text":"They actually do have to stay intact.","start":1381.15,"end":1382.8301,"sentiment":"neutral","sentiment_score":-0.0629860870540142},{"text":"We can't move them out at any point yet.","start":1382.8301,"end":1385.205,"sentiment":"neutral","sentiment_score":-0.1534426664519641},{"text":"At 60, we can look to roll them over.","start":1385.445,"end":1387.705,"sentiment":"neutral","sentiment_score":0.03341290975610415}],"sentiment":"neutral","sentiment_score":0.03407753739738837,"num_words":80,"start":1364.655,"end":1387.705},{"sentences":[{"text":"At 60, we can also roll over the entire amount into hub 24 as well, and, essentially, they do that 15% tax when the rollover is commenced.","start":1387.845,"end":1398.565,"sentiment":"neutral","sentiment_score":0.06602858807201739},{"text":"So there's other options that we can look at, but I do see the best benefit for you is to retain this until the age of 60.","start":1398.565,"end":1405.4199,"sentiment":"neutral","sentiment_score":0.18396361323970337},{"text":"At 60, we can draw some out here to purchase the caravan.","start":1405.96,"end":1409.1799,"sentiment":"neutral","sentiment_score":0.2111409418284893},{"text":"We can roll it over.","start":1409.24,"end":1410.36,"sentiment":"neutral","sentiment_score":0.1843174159526825},{"text":"There's a whole bunch of different things that we can do, but the tax consequences are much lower from the age of 60 onwards.","start":1410.36,"end":1416.335,"sentiment":"neutral","sentiment_score":0.20496950329591831}],"sentiment":"neutral","sentiment_score":0.15920353574972404,"num_words":95,"start":1387.845,"end":1416.335},{"sentences":[{"text":"So I've put a lot of that fun stuff in there for you with the tax breakdowns and things like that.","start":1416.3949,"end":1423.0549,"sentiment":"positive","sentiment_score":0.3406673534995034},{"text":"No.","start":1425.515,"end":1425.755,"sentiment":"neutral","sentiment_score":0.0934630036354065},{"text":"That's okay.","start":1425.755,"end":1426.5549,"sentiment":"neutral","sentiment_score":0.18873461335897446},{"text":"I promise you I'd do a good amount of research on your benefit, how much you had, and what the the advantages, disadvantages, and risks are.","start":1426.5549,"end":1434.08,"sentiment":"neutral","sentiment_score":0.11814062118243712},{"text":"And I've got all those for you below as well.","start":1434.7,"end":1436.94,"sentiment":"neutral","sentiment_score":0.23888999074697495}],"sentiment":"neutral","sentiment_score":0.21809171186760068,"num_words":60,"start":1416.3949,"end":1436.94},{"sentences":[{"text":"So you've got, I think, about three pages with all the advantages, the disadvantages, the risks involved of the strategies, and also any additional alternatives I've considered as well.","start":1436.94,"end":1446.615,"sentiment":"neutral","sentiment_score":0.1325709980366559},{"text":"So one of the alternatives is that we look at this at 55 and 60 again to look at what the tax consequences are.","start":1446.615,"end":1454.955,"sentiment":"neutral","sentiment_score":0.05598760078040262},{"text":"I've based an estimated tax result based on the balance I was able to obtain to the member side of things, and then we can always review that down the track for you as well.","start":1455.335,"end":1464.71,"sentiment":"neutral","sentiment_score":0.13446280019623894},{"text":"But it is best to retain that as it is.","start":1464.71,"end":1466.97,"sentiment":"neutral","sentiment_score":0.1137351669371128},{"text":"And as we kinda noted, this isn't invested in a normal market condition.","start":1467.27,"end":1471.11,"sentiment":"neutral","sentiment_score":0.028148741389696415}],"sentiment":"neutral","sentiment_score":0.1026823844693534,"num_words":111,"start":1436.94,"end":1471.11},{"sentences":[{"text":"It doesn't fluctuate.","start":1471.11,"end":1472.1699,"sentiment":"neutral","sentiment_score":0.01847212202847004},{"text":"So if it's 50, and as much as it grows at a lower rate of return, it's not subject to market changes.","start":1472.4349,"end":1478.595,"sentiment":"neutral","sentiment_score":0.07734735377810219},{"text":"So it's kinda giving you a bit more of a defensive investment.","start":1478.595,"end":1481.415,"sentiment":"neutral","sentiment_score":-0.027800099768986303},{"text":"Yeah.","start":1481.7949,"end":1482.2949,"sentiment":"neutral","sentiment_score":0.10964872688055038},{"text":"No.","start":1484.77,"end":1485.27,"sentiment":"neutral","sentiment_score":-0.05811076611280441}],"sentiment":"neutral","sentiment_score":0.03782038237804022,"num_words":39,"start":1471.11,"end":1485.27},{"sentences":[{"text":"Absolutely.","start":1485.65,"end":1486.15,"sentiment":"neutral","sentiment_score":0.10180723667144775},{"text":"Yeah.","start":1488.13,"end":1488.63,"sentiment":"positive","sentiment_score":0.43834561109542847},{"text":"Yeah.","start":1489.41,"end":1489.91,"sentiment":"neutral","sentiment_score":0.14485815167427063},{"text":"Yeah.","start":1490.37,"end":1490.69,"sentiment":"neutral","sentiment_score":0.20139707624912265},{"text":"Absolutely.","start":1490.69,"end":1491.19,"sentiment":"neutral","sentiment_score":0.3038438856601715}],"sentiment":"neutral","sentiment_score":0.2380503922700882,"num_words":5,"start":1485.65,"end":1491.19},{"sentences":[{"text":"Absolutely.","start":1491.8099,"end":1492.3099,"sentiment":"neutral","sentiment_score":0.2702206075191498},{"text":"So now that's essentially the bulk there.","start":1493.57,"end":1495.33,"sentiment":"neutral","sentiment_score":0.18652509152889252},{"text":"We just retain the military safer as it is, make some changes to your hub twenty four portfolio.","start":1495.33,"end":1500.6849,"sentiment":"neutral","sentiment_score":0.1883146706968546},{"text":"I have got a on page number 30, there a bit of a and I did assure you with hub twenty four because we can't we don't know what will be interest rate that or the the index rate that the military sleeper increases by.","start":1501.225,"end":1515.16,"sentiment":"neutral","sentiment_score":-0.004149716399196122},{"text":"It changes depending on what's happening with the markets and and with the rules of the funds there.","start":1515.16,"end":1521.0801,"sentiment":"neutral","sentiment_score":-0.009448129683732986}],"sentiment":"neutral","sentiment_score":0.05178378369094113,"num_words":89,"start":1491.8099,"end":1521.0801},{"sentences":[{"text":"We haven't included that in the projected balance here, but the projection essentially shows you with the changes in Hub twenty four with your current season contributions and the five year rolling average if you are able to get that 11.11% on a yearly basis over the next five to ten years, essentially, where your Hub twenty four balance could be.","start":1521.0801,"end":1540.755,"sentiment":"neutral","sentiment_score":0.05699898639968673},{"text":"So then by retaining military super I know you wanna use some of that for a caravan, which is absolutely fine, but that only adds on top of this essentially depending on market conditions for you.","start":1540.755,"end":1552.5801,"sentiment":"neutral","sentiment_score":0.11105565457708305},{"text":"Okay.","start":1552.8,"end":1553.3,"sentiment":"neutral","sentiment_score":0.18346121907234192},{"text":"Yeah.","start":1554.525,"end":1555.025,"sentiment":"positive","sentiment_score":0.42538660764694214},{"text":"Perfect.","start":1555.245,"end":1555.745,"sentiment":"positive","sentiment_score":0.5337398052215576}],"sentiment":"neutral","sentiment_score":0.08617529367096723,"num_words":100,"start":1521.0801,"end":1555.745},{"sentences":[{"text":"If you go down to the next page there, I as I mentioned, I've actually been a retirement planning to a limited scope for this to sort of show you the long term effects.","start":1556.765,"end":1566.865,"sentiment":"neutral","sentiment_score":0.09839607577990084},{"text":"So I like to project out as you are closer to accessing super, essentially, what this might look like if you did stop working at the age of 60.","start":1566.925,"end":1576.45,"sentiment":"neutral","sentiment_score":0.020929928740550732},{"text":"I know we're working on an average income of about $5,060,000 from your super there.","start":1576.9099,"end":1581.585,"sentiment":"neutral","sentiment_score":0.014427031017839908},{"text":"This shows that with the projected outcome, to get longevity to make your super last until about ninety, ninety one there, you would only be able to draw out about 45,780 as an estimated income.","start":1581.6649,"end":1595.91,"sentiment":"neutral","sentiment_score":0.0469354969050203},{"text":"To draw out the 50 or 60,000, it does mean your super doesn't last as long.","start":1596.2101,"end":1601.51,"sentiment":"neutral","sentiment_score":-0.08804745506495237}],"sentiment":"neutral","sentiment_score":0.034130411518578846,"num_words":129,"start":1556.765,"end":1601.51},{"sentences":[{"text":"So we are sort of under under the limit by that 17,000 there at the moment, but this is not factoring in Centrelink.","start":1601.73,"end":1608.79,"sentiment":"neutral","sentiment_score":-0.06369393901980441},{"text":"I did originally have a Centrelink projection in there for you as well.","start":1609.435,"end":1612.975,"sentiment":"neutral","sentiment_score":0.006225276881685624},{"text":"But because you've now got your investment property with your assets, it is slightly over the threshold currently with the projected outcome plus your assets, but that doesn't mean I can't get it.","start":1613.115,"end":1624.44,"sentiment":"neutral","sentiment_score":-0.04184352911331437},{"text":"I do a lot of sheltering of investments and working with clients to access even part pension.","start":1624.9199,"end":1630.5399,"sentiment":"neutral","sentiment_score":0.12208672919694115},{"text":"So when you get closer to 67, we can look at sheltering assets, look at what loans you have, investment property, where your super balance sits, and what we can do to try and get you part age pension as well as any other benefits that you might be eligible for to get longevity and and draw less out of super for you as well.","start":1630.9199,"end":1650.125,"sentiment":"neutral","sentiment_score":0.10651592789934232}],"sentiment":"neutral","sentiment_score":0.04128570364948535,"num_words":151,"start":1601.73,"end":1650.125},{"sentences":[{"text":"Okay?","start":1650.1849,"end":1650.6849,"sentiment":"neutral","sentiment_score":0.08570442348718643},{"text":"Yeah.","start":1651.7001,"end":1652.02,"sentiment":"neutral","sentiment_score":-0.00690237432718277},{"text":"So this sort of shows that whilst we're on a good track, longevity wise, we are a little bit off the mark there.","start":1652.02,"end":1658.12,"sentiment":"neutral","sentiment_score":-0.24646613406746284},{"text":"We also only consider a very a conservative rate of return in in in retirement years.","start":1658.66,"end":1665.7949,"sentiment":"neutral","sentiment_score":-0.10687452647835016},{"text":"So when you kinda hit those retirement years, you are drawing income down.","start":1665.7949,"end":1669.235,"sentiment":"neutral","sentiment_score":-0.16008901939942285}],"sentiment":"neutral","sentiment_score":-0.17372349463403225,"num_words":54,"start":1650.1849,"end":1669.235},{"sentences":[{"text":"We're not sort of aiming for those high growth or growth sort of trajectory investment targets.","start":1669.235,"end":1674.515,"sentiment":"neutral","sentiment_score":-0.17494875052943826},{"text":"We're normally only looking to get between a five to 9% return out of that super on a yearly basis because we're taking less risk in the market.","start":1674.515,"end":1682.4099,"sentiment":"neutral","sentiment_score":-0.05000125337392092},{"text":"We tend to be more defensive in those years.","start":1682.4099,"end":1684.83,"sentiment":"neutral","sentiment_score":-0.12256611966424519},{"text":"So we do factor this off, like, more conservative rate of return in those retirement years as well.","start":1685.45,"end":1691.85,"sentiment":"neutral","sentiment_score":0.10177927795383665},{"text":"So this sort of shows you where we're tracking at the moment, but we can keep looking at things, keep tracking, keep adjusting everything to make sure that we're on track and see where we end up in the next sort of five to ten years and when you choose to retire as well.","start":1691.85,"end":1706.895,"sentiment":"neutral","sentiment_score":0.13186701387166977}],"sentiment":"neutral","sentiment_score":0.029204284578561782,"num_words":125,"start":1669.235,"end":1706.895},{"sentences":[{"text":"Does that make sense?","start":1706.895,"end":1708.035,"sentiment":"neutral","sentiment_score":0.09225302003324032},{"text":"Yep.","start":1708.6,"end":1709.1,"sentiment":"neutral","sentiment_score":0.12219810485839844},{"text":"Beautiful.","start":1709.48,"end":1709.98,"sentiment":"positive","sentiment_score":0.4706994593143463},{"text":"Do you have any questions so far?","start":1710.0399,"end":1712.36,"sentiment":"neutral","sentiment_score":0.17164861943040574},{"text":"You're welcome to ask me anything you like.","start":1712.36,"end":1714.6799,"sentiment":"neutral","sentiment_score":0.13945034483913332}],"sentiment":"neutral","sentiment_score":0.1561453685253149,"num_words":21,"start":1706.895,"end":1714.6799},{"sentences":[{"text":"Or yep.","start":1714.6799,"end":1717.8999,"sentiment":"neutral","sentiment_score":0.02884427085518837},{"text":"Fantastic.","start":1718.6799,"end":1719.1799,"sentiment":"positive","sentiment_score":0.44630303978919983},{"text":"Beautiful.","start":1725.135,"end":1725.635,"sentiment":"positive","sentiment_score":0.621455729007721},{"text":"Beautiful.","start":1726.175,"end":1726.675,"sentiment":"positive","sentiment_score":0.5511623620986938},{"text":"Now the next page is the insurance side of things.","start":1728.0951,"end":1730.8151,"sentiment":"neutral","sentiment_score":0.051372182369232175}],"sentiment":"neutral","sentiment_score":0.14602209975322086,"num_words":15,"start":1714.6799,"end":1730.8151},{"sentences":[{"text":"So at the moment with your cover, you do have you've got a bit over 800,000 of life and t p d there, and so $8.75 of life and TBD there, and you've got some income protection.","start":1730.8151,"end":1740.72,"sentiment":"neutral","sentiment_score":0.039639117070347875},{"text":"We sort of looked at what your goals were when we spoke last time, and you wanted to make sure that if anything happens to you with life and TBD, that you have six years of income replacement covered plus the mortgage.","start":1741.5,"end":1752.815,"sentiment":"neutral","sentiment_score":0.07403331791006383},{"text":"I've only faxed in the main primary residence, not the investment property for this.","start":1753.115,"end":1757.5349,"sentiment":"neutral","sentiment_score":0.02578313302780901},{"text":"I can always look to adjust it if need be, but I've also got an alternative for you as well.","start":1758.315,"end":1763.355,"sentiment":"neutral","sentiment_score":0.18797485195100308},{"text":"So at the moment, you're paying so at the moment, out of your super, you're paying it's about it's been over 9,000 on a yearly basis there.","start":1763.355,"end":1773.08,"sentiment":"neutral","sentiment_score":-0.082640142214519}],"sentiment":"neutral","sentiment_score":0.04618016961030662,"num_words":140,"start":1730.8151,"end":1773.08},{"sentences":[{"text":"It's about 8,389 that you pay out of super for your insurances for this year.","start":1773.08,"end":1779.02,"sentiment":"neutral","sentiment_score":-0.05302769759049018},{"text":"It does also mean that with your goal, you're a bit underinsured for your life and TBD there.","start":1780.025,"end":1784.905,"sentiment":"neutral","sentiment_score":-0.25501765145195854},{"text":"So when I went back and had a look at the math and looked at what you needed to be insured for, it does say that we do need to increase your life and TBD a little bit.","start":1784.905,"end":1794.205,"sentiment":"neutral","sentiment_score":-0.10311380842406499},{"text":"We the math came out at about 917,000 of life and TBD, but it worked out only a small cost to increase it to about 8 by 86,000 and give you a full bill.","start":1794.77,"end":1806.3099,"sentiment":"neutral","sentiment_score":0.1305296613341745},{"text":"And it actually still works out cheaper than what you are paying at the moment.","start":1806.675,"end":1810.135,"sentiment":"neutral","sentiment_score":0.30792125364144646}],"sentiment":"neutral","sentiment_score":-0.002060255167695383,"num_words":120,"start":1773.08,"end":1810.135},{"sentences":[{"text":"So I'm recommending that we do increase your life and TBD to a million dollars even, but we're also gonna decrease your income protection benefit there.","start":1812.1951,"end":1820.7,"sentiment":"neutral","sentiment_score":0.09790812604702435},{"text":"So at the moment, you are slightly over insured with regards to income protection.","start":1820.7,"end":1824.72,"sentiment":"neutral","sentiment_score":-0.239797443151474},{"text":"So we can look to decrease the IP benefit down to that monthly benefit of $7.01 $1.07.","start":1825.1799,"end":1830.94,"sentiment":"neutral","sentiment_score":0.11118719420012306},{"text":"That brings you back in line with 70% of your income, giving you still that ninety day wait five year benefit period.","start":1830.94,"end":1837.5651,"sentiment":"positive","sentiment_score":0.37874372777613724},{"text":"And because it's it is still reducing the cost of your insurance premium, so the total premium of the $9,013.72, that's how much the insurer receives.","start":1838.505,"end":1851.11,"sentiment":"positive","sentiment_score":0.49883051675099593}],"sentiment":"neutral","sentiment_score":0.2131484268676667,"num_words":105,"start":1812.1951,"end":1851.11},{"sentences":[{"text":"What you actually pay is that $7.06 $6.02 per annum.","start":1851.25,"end":1855.25,"sentiment":"neutral","sentiment_score":0.28756288141012193},{"text":"So because with the way taxation works inside super, contribution to tax the 15% with the way the money doesn't leave the super system, you actually get a 15% rebate on the premium coming out of super.","start":1855.25,"end":1870.005,"sentiment":"neutral","sentiment_score":0.23539123422390706},{"text":"So that's why it actually gives you a bit of a 15% discount, and you pay less inside super for your premium than what the insurer actually receives on the other end, if that makes sense.","start":1870.305,"end":1879.87,"sentiment":"neutral","sentiment_score":0.31740576442744994},{"text":"It's a little bit weird the way it works.","start":1881.4501,"end":1883.4501,"sentiment":"neutral","sentiment_score":-0.03600021865632799},{"text":"So when you pay for this inside of Super, you'll see at the top here, it's actually owned by the MetLife trustees.","start":1883.4501,"end":1889.39,"sentiment":"neutral","sentiment_score":0.05857310850511898}],"sentiment":"neutral","sentiment_score":0.21031858262262845,"num_words":114,"start":1851.25,"end":1889.39},{"sentences":[{"text":"And that's because when you hold insurances inside Super, the policy is actually owned by MetLife Super trustees, and they have this little Superfund over here which holds the insurances for you, so it retains the Super product.","start":1889.825,"end":1905.045,"sentiment":"neutral","sentiment_score":0.14491033750145058},{"text":"And because the money going over acts like a contribution to the insurer, so they receive or they would have to they account for the 15% tax on the other side.","start":1905.52,"end":1915.3,"sentiment":"neutral","sentiment_score":0.09961921048741187},{"text":"And when the premium comes out of your super fund, it goes from one super fund to another.","start":1915.44,"end":1919.86,"sentiment":"neutral","sentiment_score":0.0621578267051114},{"text":"So it never actually leaves the super fund the super system, and they give you a rebate or a 15% discount on the money coming out to account for the 15% on the other side.","start":1920.1549,"end":1931.615,"sentiment":"neutral","sentiment_score":0.14950743913650513},{"text":"It's a bit weird the way it works, but it's really cool because it gives you a discount.","start":1931.835,"end":1935.66,"sentiment":"neutral","sentiment_score":0.24045519530773163}],"sentiment":"neutral","sentiment_score":0.1376755936869553,"num_words":140,"start":1889.825,"end":1935.66},{"sentences":[{"text":"So it's it's it's been convoluted the way the whole thing the whole thing works, but I love the fact that you get a discount out of it.","start":1935.74,"end":1946.54,"sentiment":"positive","sentiment_score":0.37118347361683846},{"text":"So it means the amount you pay is not the amount the insurer receives for the year, but you're still fully covered.","start":1946.54,"end":1952.345,"sentiment":"neutral","sentiment_score":0.05531439100476829},{"text":"So yeah.","start":1952.4049,"end":1953.465,"sentiment":"neutral","sentiment_score":0.09341533109545708},{"text":"Yeah.","start":1955.125,"end":1955.625,"sentiment":"neutral","sentiment_score":0.1594233512878418},{"text":"Yeah.","start":1955.9249,"end":1956.4249,"sentiment":"neutral","sentiment_score":0.14619846642017365}],"sentiment":"neutral","sentiment_score":0.22412048783843164,"num_words":54,"start":1935.74,"end":1956.4249},{"sentences":[{"text":"Now that is essentially the way you have at the moment.","start":1957.0449,"end":1960.085,"sentiment":"neutral","sentiment_score":0.13198915462602268},{"text":"When I had a really good look back, you kinda mentioned to me last time there's been no major changes in your health since we did the original application there.","start":1960.085,"end":1968.15,"sentiment":"neutral","sentiment_score":0.16644803707798322},{"text":"And increasing your life and CBD does mean you have to go through an increased application.","start":1968.61,"end":1973.11,"sentiment":"neutral","sentiment_score":0.1458664550445974},{"text":"So they will underwrite the increase of the policy.","start":1973.33,"end":1975.99,"sentiment":"neutral","sentiment_score":-0.03712909834252463},{"text":"At the moment, looking at your current policy, you do have some exclusions.","start":1976.595,"end":1980.115,"sentiment":"neutral","sentiment_score":-0.14992951372495064}],"sentiment":"neutral","sentiment_score":0.08222708266369905,"num_words":79,"start":1957.0449,"end":1980.115},{"sentences":[{"text":"So we do have a mental health and a spine exclusion there.","start":1980.115,"end":1983.335,"sentiment":"neutral","sentiment_score":-0.13591470321019491},{"text":"With those, I would expect them to still be applied to the higher level of cover there.","start":1983.875,"end":1989.015,"sentiment":"neutral","sentiment_score":0.10137997830615324},{"text":"However, if there's any changes to to your health since then, depending on what's disclosed, there could be other exclusions applied.","start":1989.91,"end":1998.01,"sentiment":"neutral","sentiment_score":-0.1300182438322476},{"text":"Okay?","start":1998.31,"end":1998.81,"sentiment":"neutral","sentiment_score":-0.03952300548553467},{"text":"So it just comes nothing changed.","start":1999.35,"end":2001.99,"sentiment":"neutral","sentiment_score":-0.08405253912011783}],"sentiment":"neutral","sentiment_score":-0.055819967859669736,"num_words":57,"start":1980.115,"end":2001.99},{"sentences":[{"text":"Beautiful.","start":2001.99,"end":2002.49,"sentiment":"neutral","sentiment_score":0.2792077958583832},{"text":"That's what we wanna hear.","start":2002.55,"end":2003.93,"sentiment":"neutral","sentiment_score":-0.06968564465641976},{"text":"In the appendix, which is attached there for you, I have also got an alternative for you to consider as well.","start":2006.365,"end":2012.385,"sentiment":"neutral","sentiment_score":0.06528509142143386},{"text":"So the other alternative is if you decided you didn't wanna go to the increased application, we could just look to decrease your life and TPD to cover the mortgage.","start":2012.685,"end":2023.5599,"sentiment":"neutral","sentiment_score":-0.12534376283486684},{"text":"And that would mean that if you were to pass away, your wife could receive a benefit to cover the mortgage amount, and then your super benefit and your defined benefit from military super gets paid to her as additional income or additional support on top of that.","start":2023.62,"end":2038.945,"sentiment":"neutral","sentiment_score":0.030545990526055295}],"sentiment":"neutral","sentiment_score":-0.009450846165418626,"num_words":105,"start":2001.99,"end":2038.945},{"sentences":[{"text":"And the same thing in the event of a TPD claim.","start":2039.725,"end":2042.205,"sentiment":"neutral","sentiment_score":0.03234706717458638},{"text":"So the problem with TPD is that we're still alive.","start":2042.205,"end":2044.6849,"sentiment":"neutral","sentiment_score":-0.1334726832807064},{"text":"We're still here.","start":2044.6849,"end":2045.325,"sentiment":"neutral","sentiment_score":-0.06142734487851461},{"text":"We still have ongoing expenses.","start":2045.325,"end":2047.025,"sentiment":"neutral","sentiment_score":-0.11563014686107635},{"text":"But if you were to look at that alternative there, it's essentially just reducing the TBD from where you have it now down to about that two fifty eight months to cover the mortgage, and then just having your super and your deferred benefit, paid out on top of that as additional income if that's what we're able to do with the time there.","start":2047.9199,"end":2069.1948,"sentiment":"neutral","sentiment_score":0.14738999330438673}],"sentiment":"neutral","sentiment_score":0.08270556675971195,"num_words":93,"start":2039.725,"end":2069.1948},{"sentences":[{"text":"It does reduce the cost from what you are paying at the moment down to about 5,007.","start":2069.4949,"end":2075.83,"sentiment":"positive","sentiment_score":0.4296080873293035},{"text":"So it does reduce the cost a lot more significantly, which in the longer term does increase the overall projection when you kinda weigh it up with everything else.","start":2075.83,"end":2085.05,"sentiment":"positive","sentiment_score":0.435975577810715},{"text":"But what I've got in the advice document here is more in line with your goal.","start":2086.275,"end":2090.275,"sentiment":"neutral","sentiment_score":0.29624723084270954},{"text":"So it's just about working out what's more comfortable for you.","start":2090.275,"end":2093.635,"sentiment":"neutral","sentiment_score":0.27471584047783504},{"text":"Do you wanna go through the increase of the life and TPD as well as decrease the income protection, or would you rather just decrease the life and TPD and save a lot more in the way of insurance premium costs?","start":2093.635,"end":2105.95,"sentiment":"neutral","sentiment_score":0.03188729277107774}],"sentiment":"neutral","sentiment_score":0.2545248963461633,"num_words":114,"start":2069.4949,"end":2105.95},{"sentences":[{"text":"So I've kind of added both of those for you.","start":2106.8098,"end":2109.13,"sentiment":"neutral","sentiment_score":-0.06679905857890844},{"text":"Sorry.","start":2109.13,"end":2109.63,"sentiment":"neutral","sentiment_score":-0.04666803777217865},{"text":"Yeah.","start":2116.2651,"end":2116.7651,"sentiment":"neutral","sentiment_score":0.07226555794477463},{"text":"Yeah.","start":2117.305,"end":2117.805,"sentiment":"neutral","sentiment_score":0.00962216779589653},{"text":"Yeah.","start":2126.4102,"end":2126.9102,"sentiment":"neutral","sentiment_score":-0.08939950168132782}],"sentiment":"neutral","sentiment_score":-0.05158359996442284,"num_words":14,"start":2106.8098,"end":2126.9102},{"sentences":[{"text":"Absolutely.","start":2128.49,"end":2128.99,"sentiment":"neutral","sentiment_score":0.23856326937675476},{"text":"Yeah.","start":2131.85,"end":2132.35,"sentiment":"neutral","sentiment_score":0.18290454149246216},{"text":"Absolutely.","start":2132.4102,"end":2132.9102,"sentiment":"neutral","sentiment_score":0.1985933780670166},{"text":"And we review this with you on a regular basis, so we'll keep reviewing the insurances, keep altering them as we need to.","start":2133.1301,"end":2139.825,"sentiment":"neutral","sentiment_score":0.05809009743287512},{"text":"Obviously, as your mortgage decreases, as your super balance increases over time, we can make sure we decrease those levels of cover as well for you.","start":2139.905,"end":2147.2048,"sentiment":"neutral","sentiment_score":-0.015114165842533112}],"sentiment":"neutral","sentiment_score":0.030060867653586544,"num_words":52,"start":2128.49,"end":2147.2048},{"sentences":[{"text":"Yeah.","start":2147.425,"end":2147.925,"sentiment":"neutral","sentiment_score":0.08176957070827484},{"text":"Beautiful.","start":2148.065,"end":2148.565,"sentiment":"positive","sentiment_score":0.5156046152114868},{"text":"MetLife is a really great product to have.","start":2149.505,"end":2152.065,"sentiment":"positive","sentiment_score":0.5581104457378387},{"text":"I've also got in there for you all the advantages, the disadvantages, and the risks involved.","start":2152.065,"end":2156.83,"sentiment":"neutral","sentiment_score":0.14455379266291857},{"text":"MetLife gives you certain things like premium relief for unemployment.","start":2157.9302,"end":2161.07,"sentiment":"neutral","sentiment_score":0.09724351204931736}],"sentiment":"neutral","sentiment_score":0.23187648763673174,"num_words":36,"start":2147.425,"end":2161.07},{"sentences":[{"text":"So if you become involuntarily unemployed, your premium to life and TVD can be put on or waived or put on hold for three months just to save the amount of the premiums being paid for those.","start":2161.21,"end":2174.065,"sentiment":"neutral","sentiment_score":0.08771203070677616},{"text":"The only downside is if you use that premium release, so you can't claim in that three months as well, but it does give you, you know, a little bit of extra protection in the event that you, you know, need to hold off on paying those premiums.","start":2174.685,"end":2186.1902,"sentiment":"neutral","sentiment_score":-0.04993139742873609},{"text":"These do also increase every year along with indexation, so it means that it keeps up with CPI, which is really important as well.","start":2187.6902,"end":2195.4502,"sentiment":"neutral","sentiment_score":0.25531438924372196},{"text":"You wanna make sure that if you had the claim, that the money actually pays out and covers the cost of what you needed to cover.","start":2195.4502,"end":2202.865,"sentiment":"neutral","sentiment_score":0.15407396365816778},{"text":"We do know a $100 this year isn't worth a $100 next year.","start":2203.245,"end":2207.0852,"sentiment":"neutral","sentiment_score":-0.3290511014369818}],"sentiment":"neutral","sentiment_score":0.04530028471521832,"num_words":148,"start":2161.21,"end":2207.0852},{"sentences":[{"text":"So our buying capacity is eaten away by in by CPI every year, so making sure that continues there for you is important.","start":2207.0852,"end":2214.54,"sentiment":"neutral","sentiment_score":-0.04359018381523049},{"text":"It's with the income protection, it's reducing it down does mean that there's no increase there.","start":2217.32,"end":2222.68,"sentiment":"positive","sentiment_score":0.3948891069740057},{"text":"It does save you on premiums.","start":2222.68,"end":2224.06,"sentiment":"positive","sentiment_score":0.6980295181274414},{"text":"Income protection does work out to be at 90% of our insurance cost.","start":2224.4648,"end":2228.545,"sentiment":"positive","sentiment_score":0.49250927796730626},{"text":"So by increasing life and CBD and decreasing your income protection, you do actually save a bit on premiums, which is really good.","start":2228.545,"end":2236.005,"sentiment":"positive","sentiment_score":0.7102173955544181}],"sentiment":"positive","sentiment_score":0.39804258399907455,"num_words":81,"start":2207.0852,"end":2236.005},{"sentences":[{"text":"The reason is such a higher cost is it is always the first thing we claim on.","start":2236.7048,"end":2241.66,"sentiment":"neutral","sentiment_score":-0.061050720512866974},{"text":"Generally, when we look at insurances, we start by claiming on trauma and or income protection.","start":2241.88,"end":2246.8599,"sentiment":"neutral","sentiment_score":-0.08979151747189462},{"text":"And then if we still can't buy back to work, then we look at TBD.","start":2246.92,"end":2250.22,"sentiment":"neutral","sentiment_score":-0.13031397089362146},{"text":"And then if we pass away from that, we it becomes a life insurance claim.","start":2250.6848,"end":2254.605,"sentiment":"neutral","sentiment_score":-0.15679869775970776},{"text":"So that's why income protection is the most readily one paid out.","start":2254.605,"end":2258.525,"sentiment":"neutral","sentiment_score":0.0339129394851625}],"sentiment":"neutral","sentiment_score":-0.08499015045662721,"num_words":75,"start":2236.7048,"end":2258.525},{"sentences":[{"text":"It is the biggest one, most one claimed on, and it's the highest cost to be covered.","start":2258.525,"end":2263.505,"sentiment":"neutral","sentiment_score":0.062014164074378854},{"text":"The downside to income protection is that it doesn't actually cover a 100% of that income.","start":2263.92,"end":2268.96,"sentiment":"negative","sentiment_score":-0.3508717380464077},{"text":"It's designed to give us a base level of cover to cover basic living expenses, and so they only let us cover up to 70 of your income.","start":2268.96,"end":2277.3,"sentiment":"neutral","sentiment_score":-0.1480134275874921},{"text":"And that is so that we it is designed to make us wanna go back to work because we need more money to to cover our bills and to live our life.","start":2277.765,"end":2285.525,"sentiment":"neutral","sentiment_score":-0.06654178677126765},{"text":"So the theory is that if we could cover a 100% of our income with protection, we'd all go on claim and never wanna go back because why would you?","start":2285.525,"end":2294.98,"sentiment":"neutral","sentiment_score":-0.0024857964366674424}],"sentiment":"neutral","sentiment_score":-0.0886828785504752,"num_words":123,"start":2258.525,"end":2294.98},{"sentences":[{"text":"You you you got all your money coming in the same rate.","start":2294.98,"end":2297.48,"sentiment":"neutral","sentiment_score":-0.003014641193052133},{"text":"With a nine with a ninety day waiting period, it does mean you have to be off work off work for ninety days prior to making a claim.","start":2298.18,"end":2305.08,"sentiment":"neutral","sentiment_score":-0.062491569451854696},{"text":"And with a five year benefit period, you can be on a claim for up to five years.","start":2305.725,"end":2309.8252,"sentiment":"neutral","sentiment_score":0.19540252122614118},{"text":"I like a five year benefit period.","start":2309.965,"end":2311.725,"sentiment":"positive","sentiment_score":0.4613053968974522},{"text":"It's kind of a happy medium.","start":2311.725,"end":2313.185,"sentiment":"positive","sentiment_score":0.4726894795894623}],"sentiment":"neutral","sentiment_score":0.10981099153409751,"num_words":71,"start":2294.98,"end":2313.185},{"sentences":[{"text":"I always think two years is a little bit low just because if something happens significantly, you were off work for that two years.","start":2313.405,"end":2320.5452,"sentiment":"neutral","sentiment_score":-0.10414623500158389},{"text":"At that two year mark, the claim discontinues, whereas having that five year benefit period, if you get to two years or three years and you're still only working or you can go back to work, but you go back to work maybe one or two or three days away, you can access a partial claim as well.","start":2321.71,"end":2337.215,"sentiment":"neutral","sentiment_score":0.01900448145922916},{"text":"So I I like a five year benefit period.","start":2338.155,"end":2340.395,"sentiment":"positive","sentiment_score":0.5448060631752014},{"text":"It gives you both the full and partial claim option and kind of the happy medium in the way of premiums as well.","start":2340.395,"end":2348.2551,"sentiment":"positive","sentiment_score":0.5209823017535002},{"text":"Okay?","start":2348.395,"end":2348.895,"sentiment":"neutral","sentiment_score":0.24921400845050812}],"sentiment":"neutral","sentiment_score":0.13685053740830525,"num_words":115,"start":2313.405,"end":2348.895},{"sentences":[{"text":"Beautiful.","start":2350.6199,"end":2351.1199,"sentiment":"positive","sentiment_score":0.7479740381240845},{"text":"In all of these sections, I have outlined the best interest duty, which essentially outlines the recommendation and how it's in line with your goals and under best interest for you.","start":2352.0598,"end":2361.02,"sentiment":"positive","sentiment_score":0.42371126336436116},{"text":"So I relate all that back to make it nice and easy.","start":2361.02,"end":2363.525,"sentiment":"positive","sentiment_score":0.518441637357076},{"text":"You're welcome to have a really good read through those sections as well.","start":2363.525,"end":2366.7449,"sentiment":"positive","sentiment_score":0.5999568952963903},{"text":"And then I've also considered any alternatives, and, you know, we've looked at obviously, in the appendix, I've also got the alternative.","start":2367.125,"end":2376.105,"sentiment":"neutral","sentiment_score":0.13494314964522014}],"sentiment":"positive","sentiment_score":0.390791288376609,"num_words":79,"start":2350.6199,"end":2376.105},{"sentences":[{"text":"Because your needs analysis technically came out to 917,000, we've increased it to a million dollars because we get discounts for every 250,000.","start":2376.83,"end":2386.37,"sentiment":"neutral","sentiment_score":0.16727745209051215},{"text":"So to give you an extra $83,000 of cover between that $9.01 7 to the million, it was only gonna cost a $113 more.","start":2386.43,"end":2395.365,"sentiment":"neutral","sentiment_score":0.17813514980177084},{"text":"So we figured a $113 for the year to give you an extra $83,000 of life and TBD.","start":2395.425,"end":2401.045,"sentiment":"neutral","sentiment_score":0.21997023332450125},{"text":"It just felt like the right thing to do.","start":2401.905,"end":2404.065,"sentiment":"positive","sentiment_score":0.3570615318086412},{"text":"So give you a bit more benefit.","start":2404.065,"end":2406.8398,"sentiment":"positive","sentiment_score":0.426534686769758}],"sentiment":"neutral","sentiment_score":0.22569612082507876,"num_words":81,"start":2376.83,"end":2406.8398},{"sentences":[{"text":"Yeah.","start":2407.14,"end":2407.64,"sentiment":"neutral","sentiment_score":0.14608600735664368},{"text":"Other than that, the only other recommendation here is to make sure you know, you mentioned to me you did have a will.","start":2408.9,"end":2413.8599,"sentiment":"neutral","sentiment_score":0.07016120802449144},{"text":"I have made a recommendation just to update and yeah.","start":2413.8599,"end":2417.38,"sentiment":"neutral","sentiment_score":0.10395606271922589},{"text":"Have your review your will review by us listed and update.","start":2417.38,"end":2420.68,"sentiment":"neutral","sentiment_score":0.11620892177928578},{"text":"I do make that a fairly standard recommendation, just making sure that we have that at the forefront of our minds.","start":2421.225,"end":2426.8252,"sentiment":"neutral","sentiment_score":0.24885475990318118}],"sentiment":"neutral","sentiment_score":0.14096367449471445,"num_words":66,"start":2407.14,"end":2426.8252},{"sentences":[{"text":"So making sure that we have it listed to review, make sure our will is up to date, and when it becomes invalid or needs to be updated.","start":2426.8252,"end":2436.44,"sentiment":"neutral","sentiment_score":0.055207096838525364},{"text":"Generally speaking, a will should be updated around every three to five years depending on changes in our life and our circumstances.","start":2436.44,"end":2442.78,"sentiment":"neutral","sentiment_score":0.036203303120353005},{"text":"And having it reviewed by a legal professional or a solicitor is important to make sure that it's always working.","start":2444.52,"end":2450.155,"sentiment":"neutral","sentiment_score":0.17388278059661388},{"text":"To the best, wills are fantastic because, essentially, making sure that you can set up trust and have things requested to different people.","start":2450.215,"end":2458.855,"sentiment":"positive","sentiment_score":0.6072546334370322},{"text":"You know, you can have things sent off to, you know, your family members, your friends, your colleague from ten years ago, or you can have things I've got a client who basically doesn't have anyone they wanna leave anything to.","start":2458.855,"end":2469.49,"sentiment":"neutral","sentiment_score":0.21571536998196347}],"sentiment":"neutral","sentiment_score":0.21366502783858954,"num_words":134,"start":2426.8252,"end":2469.49},{"sentences":[{"text":"So everything is going up to different charities, and I've met a lot of them over the past couple of years.","start":2469.49,"end":2475.025,"sentiment":"neutral","sentiment_score":0.32229272595473696},{"text":"So it gives you a lot more control and access as to who you want money to be handed to.","start":2475.025,"end":2480.765,"sentiment":"positive","sentiment_score":0.33599933087825773},{"text":"So I have just made a standard recommendation to review your will.","start":2481.2249,"end":2484.845,"sentiment":"positive","sentiment_score":0.34266430884599686},{"text":"Also, have a power of attorney established if you haven't yet got one, making sure those power of attorneys are up to date and that you do have someone that you trust to make those decisions in the event that you're incapacitated or unable to make decisions for yourself is really important.","start":2485.1448,"end":2499.67,"sentiment":"neutral","sentiment_score":0.24539313178796035},{"text":"And I believe your beneficiaries were all fine and up to date, so there's no real changes to be made to your beneficiaries there.","start":2501.505,"end":2508.6448,"sentiment":"neutral","sentiment_score":0.33081201650202274}],"sentiment":"neutral","sentiment_score":0.2968995102154192,"num_words":129,"start":2469.49,"end":2508.6448},{"sentences":[{"text":"But I have just made a recommendation that I'll make sure that you do have it noted to your wife and that they are binding non lapsing beneficiary nominations.","start":2508.865,"end":2517.99,"sentiment":"neutral","sentiment_score":0.24731162447353888},{"text":"So I'll go back and make sure that everything is up to date and that we update those nominations if they're not binding non lapsing and make sure it's all nominated a 100% to your wife as well to cover all your bases.","start":2518.21,"end":2530.405,"sentiment":"neutral","sentiment_score":0.30434833709583725},{"text":"Okay.","start":2530.945,"end":2531.445,"sentiment":"neutral","sentiment_score":0.28893935680389404},{"text":"Yeah.","start":2532.225,"end":2532.725,"sentiment":"neutral","sentiment_score":0.20390062034130096},{"text":"Do you have any questions at all?","start":2533.2651,"end":2535.365,"sentiment":"neutral","sentiment_score":0.08880954874413353}],"sentiment":"neutral","sentiment_score":0.2638706472000958,"num_words":81,"start":2508.865,"end":2535.365},{"sentences":[{"text":"Yeah.","start":2539.985,"end":2540.485,"sentiment":"neutral","sentiment_score":0.04228595271706581},{"text":"Oh, good.","start":2543.69,"end":2544.51,"sentiment":"neutral","sentiment_score":0.31603777408599854},{"text":"Yeah.","start":2548.73,"end":2549.23,"sentiment":"neutral","sentiment_score":0.17033490538597107},{"text":"Perfect.","start":2549.8499,"end":2550.3499,"sentiment":"positive","sentiment_score":0.5225310325622559},{"text":"Yeah.","start":2552.17,"end":2552.67,"sentiment":"positive","sentiment_score":0.3572511672973633}],"sentiment":"neutral","sentiment_score":0.28741310102244216,"num_words":6,"start":2539.985,"end":2552.67},{"sentences":[{"text":"Yeah.","start":2564.585,"end":2565.085,"sentiment":"neutral","sentiment_score":0.00990630779415369},{"text":"Yeah.","start":2575.67,"end":2576.17,"sentiment":"neutral","sentiment_score":0.006319885142147541},{"text":"Yeah.","start":2576.79,"end":2577.29,"sentiment":"neutral","sentiment_score":0.14375081658363342},{"text":"Aw.","start":2579.03,"end":2579.53,"sentiment":"positive","sentiment_score":0.37732529640197754},{"text":"That's fantastic.","start":2579.91,"end":2580.73,"sentiment":"positive","sentiment_score":0.6224723160266876}],"sentiment":"neutral","sentiment_score":0.2970411563292146,"num_words":6,"start":2564.585,"end":2580.73},{"sentences":[{"text":"Yeah.","start":2583.745,"end":2584.245,"sentiment":"neutral","sentiment_score":0.01121688447892666},{"text":"That's okay.","start":2585.185,"end":2586.085,"sentiment":"neutral","sentiment_score":0.07762472704052925},{"text":"Yeah.","start":2593.265,"end":2593.765,"sentiment":"neutral","sentiment_score":0.07300546765327454},{"text":"Yeah.","start":2596.56,"end":2597.06,"sentiment":"neutral","sentiment_score":0.16161155700683594},{"text":"Absolutely.","start":2601.4402,"end":2601.9402,"sentiment":"neutral","sentiment_score":0.2273075580596924}],"sentiment":"neutral","sentiment_score":0.10473182021329801,"num_words":6,"start":2583.745,"end":2601.9402},{"sentences":[{"text":"No.","start":2602.48,"end":2602.72,"sentiment":"neutral","sentiment_score":0.16438233852386477},{"text":"That's really perfect.","start":2602.72,"end":2603.6,"sentiment":"neutral","sentiment_score":0.2870265046755473},{"text":"When and if she is ready, I'm a big believer in not pushing anyone to do anything when they're until they are ready to do so because it makes it easy.","start":2603.6,"end":2610.48,"sentiment":"neutral","sentiment_score":0.12645432845719398},{"text":"Yeah.","start":2610.48,"end":2610.72,"sentiment":"neutral","sentiment_score":0.12343938648700714},{"text":"So when she is ready, even if she just wants to have a general conversation about what advice is, how it works, I'm absolutely happy to make that time that suits.","start":2610.72,"end":2618.845,"sentiment":"neutral","sentiment_score":0.26294498554160517}],"sentiment":"neutral","sentiment_score":0.19731761153731772,"num_words":67,"start":2602.48,"end":2618.845},{"sentences":[{"text":"And down the track, the one thing I do like about in encouraging her to come on board down the track is that when you get close to accessing super, we can do a really good joint advice document that looks at what you've both got individually, how we make this work, how the drawdowns look, you know, accessing with if she still wants to work, how that kinda coincides with her income, you know, drawing some out of super, then accessing super and sheltering money so we can get age pension and things like that for you guys.","start":2619.2249,"end":2647.545,"sentiment":"neutral","sentiment_score":0.20967196409750466},{"text":"So there's some really cool strategies that we can sort of look at from 60 onwards that benefit both of you.","start":2647.545,"end":2654.0098,"sentiment":"positive","sentiment_score":0.5368607803469613},{"text":"So when an issue is absolutely ready, I'm more than happy to have that conversation.","start":2654.15,"end":2658.0898,"sentiment":"positive","sentiment_score":0.531586374839147},{"text":"But, yeah, when she's ready, it'll be fantastic.","start":2659.3499,"end":2661.8499,"sentiment":"positive","sentiment_score":0.6809559613466263},{"text":"There's some cool things we can do down the track here.","start":2661.99,"end":2664.0698,"sentiment":"positive","sentiment_score":0.6657582413066517}],"sentiment":"positive","sentiment_score":0.3427037974069645,"num_words":154,"start":2619.2249,"end":2664.0698},{"sentences":[{"text":"I'm really excited to help you along.","start":2664.0698,"end":2665.91,"sentiment":"positive","sentiment_score":0.824508513723101},{"text":"So yeah.","start":2665.91,"end":2667.0498,"sentiment":"positive","sentiment_score":0.553604245185852},{"text":"All good.","start":2669.5151,"end":2670.495,"sentiment":"positive","sentiment_score":0.5645408928394318},{"text":"The only other thing I do have to let you know about is when we do look at insurances and increase the insurance application, we do note the remuneration side of things.","start":2670.7952,"end":2680.155,"sentiment":"neutral","sentiment_score":0.12326683104038239},{"text":"So you obviously, all our advisers provide a fully complimentary to yourself.","start":2680.155,"end":2684.1902,"sentiment":"neutral","sentiment_score":0.1920151710510254}],"sentiment":"neutral","sentiment_score":0.2592103730548512,"num_words":55,"start":2664.0698,"end":2684.1902},{"sentences":[{"text":"If you're an ongoing client, you pay that 1.65% per annum.","start":2684.1902,"end":2687.8901,"sentiment":"neutral","sentiment_score":0.08135997774926099},{"text":"However, when we do recommend insurances, because we are increasing the life and TBD there, MetLife as the insurer do pay us remuneration.","start":2688.1902,"end":2696.425,"sentiment":"neutral","sentiment_score":0.12279319212488506},{"text":"So we receive 66% of the first year's premiums on the increase, which is estimated to be $94.","start":2696.645,"end":2702.665,"sentiment":"neutral","sentiment_score":0.1649082452058792},{"text":"And then we still do receive 22% of the premiums ongoing.","start":2703.605,"end":2707.2852,"sentiment":"neutral","sentiment_score":0.09836325455795634},{"text":"So it's paid by MetLife to us, not by you in any way.","start":2707.2852,"end":2710.72,"sentiment":"neutral","sentiment_score":0.08582160392632851}],"sentiment":"neutral","sentiment_score":0.1169108978815769,"num_words":76,"start":2684.1902,"end":2710.72},{"sentences":[{"text":"But we like to be open and honest and disclose any remuneration that we do receive there for you.","start":2710.94,"end":2716.14,"sentiment":"neutral","sentiment_score":0.10287751257419586},{"text":"Okay?","start":2716.14,"end":2716.64,"sentiment":"neutral","sentiment_score":0.06733500957489014},{"text":"Yeah.","start":2717.98,"end":2718.48,"sentiment":"neutral","sentiment_score":0.28080981969833374},{"text":"Perfect.","start":2718.7,"end":2719.2,"sentiment":"positive","sentiment_score":0.435177743434906},{"text":"Perfect.","start":2719.5,"end":2720.0,"sentiment":"positive","sentiment_score":0.3940793573856354}],"sentiment":"neutral","sentiment_score":0.13617715952189072,"num_words":23,"start":2710.94,"end":2720.0},{"sentences":[{"text":"Well, I will let you go to have a really good read of the document there.","start":2720.06,"end":2723.435,"sentiment":"neutral","sentiment_score":0.25704570580273867},{"text":"If you finally have any questions, let me know.","start":2723.435,"end":2726.175,"sentiment":"neutral","sentiment_score":0.15822016033861372},{"text":"In my world, there is no such thing as a silly question.","start":2726.235,"end":2728.635,"sentiment":"neutral","sentiment_score":0.0445614717900753},{"text":"If there's something that you wanna know, you're welcome to ask it.","start":2728.635,"end":2731.7751,"sentiment":"neutral","sentiment_score":0.1965735281507174},{"text":"And moving forward, I do wanna make sure we do, obviously, catch up with you on a regular basis.","start":2732.635,"end":2737.6,"sentiment":"neutral","sentiment_score":0.18911982759049065}],"sentiment":"neutral","sentiment_score":0.17681778616764965,"num_words":68,"start":2720.06,"end":2737.6},{"sentences":[{"text":"So how often would you like to see a catch up done through the year?","start":2737.6,"end":2741.78,"sentiment":"neutral","sentiment_score":0.07687150190273921},{"text":"Yep.","start":2746.8,"end":2747.28,"sentiment":"neutral","sentiment_score":0.1073525995016098},{"text":"Perfect.","start":2747.28,"end":2747.78,"sentiment":"neutral","sentiment_score":0.26122963428497314},{"text":"Yep.","start":2750.395,"end":2750.895,"sentiment":"neutral","sentiment_score":0.12912745773792267},{"text":"Yep.","start":2760.315,"end":2760.815,"sentiment":"neutral","sentiment_score":0.17796441912651062}],"sentiment":"neutral","sentiment_score":0.09624982311537392,"num_words":19,"start":2737.6,"end":2760.815},{"sentences":[{"text":"Perfect.","start":2761.1948,"end":2761.6948,"sentiment":"positive","sentiment_score":0.3612487018108368},{"text":"Yep.","start":2765.3699,"end":2765.8699,"sentiment":"neutral","sentiment_score":0.13711261749267578},{"text":"Yep.","start":2769.45,"end":2769.53,"sentiment":"neutral","sentiment_score":0.2661311626434326},{"text":"Absolutely.","start":2769.53,"end":2770.03,"sentiment":"positive","sentiment_score":0.7343325614929199},{"text":"Perfect.","start":2770.97,"end":2771.45,"sentiment":"positive","sentiment_score":0.7916569113731384}],"sentiment":"positive","sentiment_score":0.4580963909626007,"num_words":5,"start":2761.1948,"end":2771.45},{"sentences":[{"text":"So I'll do it six months even now, and then we can keep updating things along the way.","start":2771.45,"end":2775.79,"sentiment":"positive","sentiment_score":0.4176584200726615},{"text":"Once you're had a bit of a look through everything and I've got you'll probably see a lot of attachments on that email as well.","start":2776.355,"end":2782.275,"sentiment":"neutral","sentiment_score":0.15217634916305542},{"text":"I've attached all the product disclosure statements, the updated military super balances.","start":2782.275,"end":2787.095,"sentiment":"neutral","sentiment_score":0.054011594504117966},{"text":"I've also got the financial services guide in there for you.","start":2787.2349,"end":2790.4548,"sentiment":"neutral","sentiment_score":0.11121281642805446},{"text":"So, you know, feel free to have a look through any of those documents.","start":2791.1,"end":2793.9001,"sentiment":"neutral","sentiment_score":0.1429664662906102}],"sentiment":"neutral","sentiment_score":0.18994088666513562,"num_words":80,"start":2771.45,"end":2793.9001},{"sentences":[{"text":"Let me know if there's any additional questions there.","start":2793.9001,"end":2795.74,"sentiment":"neutral","sentiment_score":0.1347573863135444},{"text":"I like to make sure you've got as much information.","start":2795.74,"end":2797.6,"sentiment":"neutral","sentiment_score":0.22856698781251908},{"text":"Not everyone wants to read it, but it's all there for you in the event that you are wanting to run your eyes over there.","start":2797.6602,"end":2804.32,"sentiment":"neutral","sentiment_score":0.14257463678717613},{"text":"And, yeah, if you're happy with everything, we'll get you to sign and return the document back.","start":2804.975,"end":2808.735,"sentiment":"neutral","sentiment_score":0.26264072779346914},{"text":"We'll start by implementing the change to your investment switch, and then we'll get you booked in with my colleague, Jack, there, and he'll do the increase application and decrease your income protection for you, and we'll get that sorted nice and quickly.","start":2808.735,"end":2823.54,"sentiment":"neutral","sentiment_score":0.24348214268684387}],"sentiment":"neutral","sentiment_score":0.2115141998331707,"num_words":104,"start":2793.9001,"end":2823.54},{"sentences":[{"text":"Okay?","start":2823.84,"end":2824.34,"sentiment":"neutral","sentiment_score":0.31416159868240356},{"text":"Beautiful.","start":2826.1602,"end":2826.6602,"sentiment":"positive","sentiment_score":0.7772477865219116},{"text":"Fantastic.","start":2827.12,"end":2827.62,"sentiment":"positive","sentiment_score":0.7348324060440063},{"text":"The only thing I'm probably gonna ask and, look, you don't have to by any means, but as a small growing business and as an adviser, it's really important for word-of-mouth out there.","start":2828.6401,"end":2836.895,"sentiment":"neutral","sentiment_score":0.15802895198717262},{"text":"My colleague, Michelle, will probably just follow-up with a little bit of a message today.","start":2837.435,"end":2841.195,"sentiment":"neutral","sentiment_score":0.1382619912425677}],"sentiment":"neutral","sentiment_score":0.178727981871834,"num_words":51,"start":2823.84,"end":2841.195},{"sentences":[{"text":"She sends out just a link to the Google review site.","start":2841.195,"end":2844.97,"sentiment":"neutral","sentiment_score":0.1450063640421087},{"text":"So if you feel comfortable to do so, if you could leave me a little review, that'd be amazing, or just for the company.","start":2844.97,"end":2850.17,"sentiment":"neutral","sentiment_score":0.3078780236343543},{"text":"It doesn't have to name me if you don't want to.","start":2850.17,"end":2852.2698,"sentiment":"neutral","sentiment_score":0.08283330364660783},{"text":"But it's just, like, one of those things we are growing.","start":2852.73,"end":2854.97,"sentiment":"neutral","sentiment_score":0.15755633992904966},{"text":"Word-of-mouth is really important, and, Minh, as I wanna help as many people as I possibly can.","start":2854.97,"end":2859.835,"sentiment":"neutral","sentiment_score":0.302361803019748}],"sentiment":"neutral","sentiment_score":0.22660242300480604,"num_words":74,"start":2841.195,"end":2859.835},{"sentences":[{"text":"So if you're open to doing so, Michelle will pop that out there.","start":2860.375,"end":2864.855,"sentiment":"neutral","sentiment_score":0.10573564985623726},{"text":"And, yeah, if you have any questions, it doesn't matter what it is, let me know.","start":2864.855,"end":2869.355,"sentiment":"neutral","sentiment_score":0.14652832504361868},{"text":"I'll make sure you get booked in for that six monthly catch up.","start":2869.52,"end":2872.48,"sentiment":"neutral","sentiment_score":0.22280071217280167},{"text":"And in the meantime, if there's anything additional, you get nervous at the market or if any questions pop up or if you want any additional advice or just a general conversation, hit me up.","start":2872.48,"end":2883.0251,"sentiment":"neutral","sentiment_score":0.08119508549571038},{"text":"I will always make time to book you in to make sure that I'm talking to you as you need it.","start":2883.0251,"end":2888.145,"sentiment":"neutral","sentiment_score":0.23417007426420847}],"sentiment":"neutral","sentiment_score":0.1466818924385066,"num_words":98,"start":2860.375,"end":2888.145},{"sentences":[{"text":"Okay?","start":2888.145,"end":2888.645,"sentiment":"neutral","sentiment_score":0.13507860898971558},{"text":"Oh, not a problem.","start":2890.705,"end":2891.905,"sentiment":"positive","sentiment_score":0.4904107004404068},{"text":"Thank you so much for the opportunity.","start":2891.905,"end":2893.5251,"sentiment":"positive","sentiment_score":0.8271035722323826},{"text":"I've loved putting this together for you.","start":2893.585,"end":2895.185,"sentiment":"positive","sentiment_score":0.8858855196407863},{"text":"It's been a fantastic plan to put together.","start":2895.185,"end":2897.42,"sentiment":"positive","sentiment_score":0.890257939696312}],"sentiment":"positive","sentiment_score":0.7855447619049637,"num_words":27,"start":2888.145,"end":2897.42},{"sentences":[{"text":"Really enjoyed the research component.","start":2897.42,"end":2899.1199,"sentiment":"positive","sentiment_score":0.6360918879508972},{"text":"So thank you.","start":2899.3398,"end":2903.2798,"sentiment":"positive","sentiment_score":0.4934262732664744},{"text":"Fantastic.","start":2905.3398,"end":2905.8398,"sentiment":"positive","sentiment_score":0.45266056060791016},{"text":"Yeah.","start":2906.94,"end":2907.42,"sentiment":"neutral","sentiment_score":0.20735079050064087},{"text":"It's good.","start":2907.42,"end":2908.24,"sentiment":"neutral","sentiment_score":0.2862600237131119}],"sentiment":"positive","sentiment_score":0.4911058048407237,"num_words":12,"start":2897.42,"end":2908.24},{"sentences":[{"text":"Yeah.","start":2908.7798,"end":2909.2798,"sentiment":"neutral","sentiment_score":0.3102453947067261},{"text":"Beautiful.","start":2910.385,"end":2910.885,"sentiment":"positive","sentiment_score":0.7901533842086792},{"text":"And there's so many more cool things that we can do moving forward to help you out.","start":2910.945,"end":2914.225,"sentiment":"positive","sentiment_score":0.7335889655001023},{"text":"So this is just the start, just the beginning, and we'll keep working towards your goals.","start":2914.225,"end":2918.245,"sentiment":"positive","sentiment_score":0.5315242782235146},{"text":"Yeah.","start":2918.5452,"end":2919.0452,"sentiment":"positive","sentiment_score":0.4389916658401489}],"sentiment":"positive","sentiment_score":0.625410869717598,"num_words":36,"start":2908.7798,"end":2919.0452},{"sentences":[{"text":"My pleasure.","start":2920.625,"end":2921.425,"sentiment":"positive","sentiment_score":0.813705176115036},{"text":"I hope you have an amazing day.","start":2921.425,"end":2923.0251,"sentiment":"positive","sentiment_score":0.7900290404047284},{"text":"Hey.","start":2923.0251,"end":2923.2651,"sentiment":"positive","sentiment_score":0.3827216923236847},{"text":"Thank you so much for your time.","start":2923.2651,"end":2924.8052,"sentiment":"positive","sentiment_score":0.6868624431746346},{"text":"No worries.","start":2927.463,"end":2928.103,"sentiment":"neutral","sentiment_score":0.2752327248454094}],"sentiment":"positive","sentiment_score":0.6788862041736904,"num_words":19,"start":2920.625,"end":2928.103},{"sentences":[{"text":"Enjoy your day, Chelsea.","start":2928.103,"end":2929.303,"sentiment":"positive","sentiment_score":0.5284338817000389},{"text":"See you later.","start":2929.303,"end":2931.703,"sentiment":"neutral","sentiment_score":0.2167456199725469},{"text":"Bye.","start":2931.703,"end":2932.203,"sentiment":"neutral","sentiment_score":-0.0577063225209713}],"sentiment":"positive","sentiment_score":0.33828325802460313,"num_words":8,"start":2928.103,"end":2932.203}]}}]},{"alternatives":[{"transcript":"Speaking. Yeah. Good. Yourself? It certainly is. That'd be great. Yep. Certainly am. Yeah. Yeah. It's Heath Gail, fifty the eighth nineteen seventy two at 143 Tasman Street, Devonport, Tasmania. I've already got it. Yeah. I'm already having a quick look at it. Yep. Yep. Yeah. Cool. Yep. Sounds good. Yeah. Yeah. Yep. Yep. Two. I heard. Yeah. That that came a bit earlier than I thought, but that's just the way it goes. Yep. Yeah. Cool. Yeah. Yes. Yep. Okay. I'm on 20 six. Cool. That's right. Yep. Good. Yep. Cool. Yep. Yep. Right. Yep. Yep. Cool. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Cool. You alright? Two. Yep. Yep. Yep. Two. Yeah. Yeah. We have it. Yeah. Yeah. Of my own shares, I was on there looking at them this morning, and I was like, oh, good. They're up. It has. Yeah. Yeah. Yeah. Yeah. Cool. Yep. Yeah. No. No. Look. I'm I'm pretty happy. I'm not look. I'm not buffed on on a lot of stuff. But from what I can sort of see what you're doing visually and hearing you talk, I'm pretty happy with where that's going and what you're doing. So yeah. Yep. Yep. Yeah. Cool. Yep. So just out of curiosity, just at at the total there where you've got $5.67 $1.46, what is that in reference to? Because when I check my balance for my super and stuff, it says about, I think it was 504 the other day or something like that. So what's what's that? Right. Good. Yep. Yep. No. That's okay. Yes. Yep. I saw that. Yes. Yep. Yep. Good. Good. Yeah. No. That's fine. Just so long as I know, yeah, where that figure come from. Cool. Yeah. Yep. Yep. Yes. Yep. Yeah. Cool. Yep. Yeah. Yep. Who? Yep. Yep. Yeah. Cool. Yep. Could I? Yep. Yep. Yep. No. Yes. It it it grows very slowly. Yeah. Just kidding. Yeah. Cool. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. Look, for me, I think holding off until I'm 60 is where I'm at at the moment. Yeah. I think I think so. I think there's more benefits to that than there is at 55. And I'm still working, and I still earn a good wage at the moment. I don't technically I know that as you just said, it'll it'll impact on my tax if I do start drawing on it. You know? I I don't see him giving the tax man more money is a good thing. I don't think he does a good job with it anyway. So, yeah. Yep. That's right. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Alright. Yeah. No. Cool. Yep. Thank you. Yeah. Yeah. Yep. Yeah. Yeah. Yep. No. That's right. Yeah. It has it's it's never dropped. It's always going up, but it like I said, it's very slow at going up, but I'm very happy that it is going up. Yep. Yes. Yeah. Yeah. Cool. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Cool. Yeah. Cool. Yep. Yep. Cool. Yeah. Yeah. Yep. Yeah. No. No. Pretty happy. As I said, pretty happy at the moment. You know, I'm reading as as we're going through. So I'm following along and looking at what you're sort of saying. So pretty good. Yep. Yep. That's fine. Yep. Yeah. Yep. Mhmm. Yep. Alright. Yep. Yep. Cool. Yes. Yep. Yep. Yeah. Cool. Yes. Yep. Yep. Yep. Yep. Yep. I was gonna say, as long as it works and gives me, yeah, the discount, I'm happy. Yeah. Yeah. That's it. Yes. Yeah. Yeah. I like it. Yep. That's right. Yep. Yep. Yep. Yeah. No. There's no other changes. No. No. Yeah. Yeah. Yeah. Yep. Yep. Yeah. No. I yeah. That's fine. Look. Just reading it as you're talking through it, I'm happy with that our first recommendation of, you know, not the alternatives. I mean, it does save me money, but the plan is to look after the family if I was to be disappear off the face of the earth for whatever reason. So I think the more money they can have, the better. Yeah. Yeah. Yep. That's right. Yeah. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. Exactly. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Yes. Yep. Yep. Yeah. Cool. Cool. Yep. Yep. Yeah. Yep. That's good. Yep. Yep. Yep. Yep. Yep. Cool. Yep. No. Look. I'm a I'm a pretty simple fella. You know? So far, you haven't said anything I haven't understood. And and like I said, everything I'm sort of reading as you're going through is clear and, you know, I I understand where it's at. And I I like look. You guys have been really great. I I can remember when you guys I don't know whoever rang me, but how and how long ago it was when he rang. Someone rang me up and said, hey. We're finance company and rah rah. Financial company. And I went, yeah. Right. Good. Great. Yep. Thanks. See you. And wasn't really interested. And twelve months later, they rang again, and I went, these guys kinda sound like they might be legit. I think I better talk to them. So he's been great. Yeah. I actually wanna get my wife underneath you guys as well. She's not quite ready, she says, but I'm I'm I need her under you guys, I think. She's got she's fifteen years younger than me, so she's got a bit longer to go. But I think once she sees how regular I talk to you guys and so forth, she'll she'll get the idea that it's a good idea. Yeah. Yeah. Yeah. I don't yep. Yeah. Yeah. Yeah. Yep. Yep. That'll be great. Cool. Yep. Yep. Yep. Yeah. Cool. Not a problem. Yep. Look. I think at this stage, probably six monthly just to touch base and go, are you happy? That sort of thing. And obviously, as I get closer to that retirement age when I'm probably, say, 56, 57, I might wanna touch base with you about every three months and just go, yep. It's still heading the right way. We're still doing the right thing. And then obviously, as I hit 60, yeah, we'll discuss things a lot further then. Yep. Did say that. Yep. Yep. Yep. Yep. That would be lovely. Yes. Yep. Yep. Yeah. Not not a problem. Lovely. Appreciate that, Diana. Fantastic. It it's a it's a great document by the look of it from what I'm reading. It's been great. Yeah. A lot of information and, yeah, lots for me to read, but I I really like it. Excellent. Thank you. No worries. Thank you for the call, Diana. See you. 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Yeah. Good. Yourself? It certainly is.\n\nThat'd be great. Yep. Certainly am. Yeah. Yeah.\n\nIt's Heath Gail, fifty the eighth nineteen seventy two at 143 Tasman Street, Devonport, Tasmania. I've already got it. Yeah. I'm already having a quick look at it. Yep.\n\nYep. Yeah. Cool. Yep. Sounds good.\n\nYeah. Yeah. Yep. Yep. Two.\n\nI heard. Yeah. That that came a bit earlier than I thought, but that's just the way it goes. Yep. Yeah.\n\nCool. Yeah. Yes. Yep. Okay.\n\nI'm on 20 six. Cool. That's right. Yep. Good.\n\nYep. Cool. Yep. Yep. Right.\n\nYep. Yep. Cool. Yep. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Cool. You alright? Two. Yep.\n\nYep. Yep. Two. Yeah. Yeah.\n\nWe have it. Yeah. Yeah. Of my own shares, I was on there looking at them this morning, and I was like, oh, good. They're up.\n\nIt has. Yeah. Yeah. Yeah. Yeah.\n\nCool. Yep. Yeah. No. No.\n\nLook. I'm I'm pretty happy. I'm not look. I'm not buffed on on a lot of stuff. But from what I can sort of see what you're doing visually and hearing you talk, I'm pretty happy with where that's going and what you're doing.\n\nSo yeah. Yep. Yep. Yeah. Cool.\n\nYep. So just out of curiosity, just at at the total there where you've got $5.67 $1.46, what is that in reference to? Because when I check my balance for my super and stuff, it says about, I think it was 504 the other day or something like that. So what's what's that? Right.\n\nGood. Yep. Yep. No. That's okay.\n\nYes. Yep. I saw that. Yes. Yep.\n\nYep. Good. Good. Yeah. No.\n\nThat's fine. Just so long as I know, yeah, where that figure come from. Cool. Yeah. Yep.\n\nYep. Yes. Yep. Yeah. Cool.\n\nYep. Yeah. Yep. Who? Yep.\n\nYep. Yeah. Cool. Yep. Could I?\n\nYep. Yep. Yep. No. Yes.\n\nIt it it grows very slowly. Yeah. Just kidding. Yeah. Cool.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. Look, for me, I think holding off until I'm 60 is where I'm at at the moment. Yeah.\n\nI think I think so. I think there's more benefits to that than there is at 55. And I'm still working, and I still earn a good wage at the moment. I don't technically I know that as you just said, it'll it'll impact on my tax if I do start drawing on it. You know?\n\nI I don't see him giving the tax man more money is a good thing. I don't think he does a good job with it anyway. So, yeah. Yep. That's right.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nYep. Alright. Yeah. No. Cool.\n\nYep. Thank you. Yeah. Yeah. Yep.\n\nYeah. Yeah. Yep. No. That's right.\n\nYeah. It has it's it's never dropped. It's always going up, but it like I said, it's very slow at going up, but I'm very happy that it is going up. Yep. Yes.\n\nYeah. Yeah. Cool. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yep.\n\nYep. Cool. Yeah. Cool. Yep.\n\nYep. Cool. Yeah. Yeah. Yep.\n\nYeah. No. No. Pretty happy. As I said, pretty happy at the moment.\n\nYou know, I'm reading as as we're going through. So I'm following along and looking at what you're sort of saying. So pretty good. Yep. Yep.\n\nThat's fine. Yep. Yeah. Yep. Mhmm.\n\nYep. Alright. Yep. Yep. Cool.\n\nYes. Yep. Yep. Yeah. Cool.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. I was gonna say, as long as it works and gives me, yeah, the discount, I'm happy. Yeah. Yeah. That's it.\n\nYes. Yeah. Yeah. I like it. Yep.\n\nThat's right. Yep. Yep. Yep. Yeah.\n\nNo. There's no other changes. No. No. Yeah.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nNo. I yeah. That's fine. Look. Just reading it as you're talking through it, I'm happy with that our first recommendation of, you know, not the alternatives.\n\nI mean, it does save me money, but the plan is to look after the family if I was to be disappear off the face of the earth for whatever reason. So I think the more money they can have, the better. Yeah. Yeah. Yep.\n\nThat's right. Yeah. Yep. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. Exactly.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yes. Yep. Yep. Yeah.\n\nCool. Cool. Yep. Yep. Yeah.\n\nYep. That's good. Yep. Yep. Yep.\n\nYep. Yep. Cool. Yep. No.\n\nLook. I'm a I'm a pretty simple fella. You know? So far, you haven't said anything I haven't understood. And and like I said, everything I'm sort of reading as you're going through is clear and, you know, I I understand where it's at.\n\nAnd I I like look. You guys have been really great. I I can remember when you guys I don't know whoever rang me, but how and how long ago it was when he rang. Someone rang me up and said, hey. We're finance company and rah rah.\n\nFinancial company. And I went, yeah. Right. Good. Great.\n\nYep. Thanks. See you. And wasn't really interested. And twelve months later, they rang again, and I went, these guys kinda sound like they might be legit.\n\nI think I better talk to them. So he's been great. Yeah. I actually wanna get my wife underneath you guys as well. She's not quite ready, she says, but I'm I'm I need her under you guys, I think.\n\nShe's got she's fifteen years younger than me, so she's got a bit longer to go. But I think once she sees how regular I talk to you guys and so forth, she'll she'll get the idea that it's a good idea. Yeah. Yeah. Yeah.\n\nI don't yep. Yeah. Yeah. Yeah. Yep.\n\nYep. That'll be great. Cool. Yep. Yep.\n\nYep. Yeah. Cool. Not a problem. Yep.\n\nLook. I think at this stage, probably six monthly just to touch base and go, are you happy? That sort of thing. And obviously, as I get closer to that retirement age when I'm probably, say, 56, 57, I might wanna touch base with you about every three months and just go, yep. It's still heading the right way.\n\nWe're still doing the right thing. And then obviously, as I hit 60, yeah, we'll discuss things a lot further then. Yep. Did say that. Yep.\n\nYep. Yep. Yep. That would be lovely. Yes.\n\nYep. Yep. Yeah. Not not a problem. Lovely.\n\nAppreciate that, Diana. Fantastic. It it's a it's a great document by the look of it from what I'm reading. It's been great. Yeah.\n\nA lot of information and, yeah, lots for me to read, but I I really like it. Excellent. Thank you. No worries. Thank you for the call, Diana.\n\nSee you. 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a I'm a pretty simple fella.","start":2537.545,"end":2539.405,"sentiment":"neutral","sentiment_score":0.0395086444914341},{"text":"You know?","start":2540.19,"end":2540.67,"sentiment":"neutral","sentiment_score":0.02836948074400425},{"text":"So far, you haven't said anything I haven't understood.","start":2540.67,"end":2542.93,"sentiment":"neutral","sentiment_score":-0.02893846895959642},{"text":"And and like I said, everything I'm sort of reading as you're going through is clear and, you know, I I understand where it's at.","start":2543.63,"end":2551.39,"sentiment":"neutral","sentiment_score":0.26003521323204043}],"sentiment":"neutral","sentiment_score":0.14986348139460792,"num_words":44,"start":2537.225,"end":2551.39},{"sentences":[{"text":"And I I like look.","start":2551.39,"end":2553.765,"sentiment":"positive","sentiment_score":0.4869315028190613},{"text":"You guys have been really great.","start":2553.765,"end":2555.125,"sentiment":"positive","sentiment_score":0.666157195965449},{"text":"I I can remember when you guys I don't know whoever rang me, but how and how long ago it was when he rang.","start":2555.125,"end":2560.4849,"sentiment":"neutral","sentiment_score":0.003096254530343382},{"text":"Someone rang me up and said, hey.","start":2560.4849,"end":2562.085,"sentiment":"neutral","sentiment_score":0.0016838306827204569},{"text":"We're finance company and rah rah.","start":2562.085,"end":2564.105,"sentiment":"neutral","sentiment_score":0.003300132229924202}],"sentiment":"neutral","sentiment_score":0.13619788347447562,"num_words":48,"start":2551.39,"end":2564.105},{"sentences":[{"text":"Financial company.","start":2564.805,"end":2565.765,"sentiment":"neutral","sentiment_score":0.008335193153470755},{"text":"And I went, yeah.","start":2565.765,"end":2566.805,"sentiment":"neutral","sentiment_score":0.026861554477363825},{"text":"Right.","start":2566.805,"end":2567.045,"sentiment":"neutral","sentiment_score":0.12985090911388397},{"text":"Good.","start":2567.045,"end":2567.4448,"sentiment":"positive","sentiment_score":0.4158276617527008},{"text":"Great.","start":2567.4448,"end":2567.765,"sentiment":"positive","sentiment_score":0.5997850894927979}],"sentiment":"neutral","sentiment_score":0.14106447384175327,"num_words":9,"start":2564.805,"end":2567.765},{"sentences":[{"text":"Yep.","start":2567.765,"end":2568.085,"sentiment":"positive","sentiment_score":0.43601661920547485},{"text":"Thanks.","start":2568.085,"end":2568.4849,"sentiment":"positive","sentiment_score":0.5557212829589844},{"text":"See you.","start":2568.4849,"end":2568.96,"sentiment":"neutral","sentiment_score":0.24517564475536346},{"text":"And wasn't really interested.","start":2569.04,"end":2570.48,"sentiment":"neutral","sentiment_score":-0.0075962606351822615},{"text":"And twelve months later, they rang again, and I went, these guys kinda sound like they might be legit.","start":2570.48,"end":2574.8,"sentiment":"neutral","sentiment_score":0.06571604046774537}],"sentiment":"neutral","sentiment_score":0.10001144140820813,"num_words":27,"start":2567.765,"end":2574.8},{"sentences":[{"text":"I think I better talk to them.","start":2574.8,"end":2577.06,"sentiment":"neutral","sentiment_score":-0.008400018992168563},{"text":"So he's been great.","start":2577.28,"end":2578.42,"sentiment":"positive","sentiment_score":0.35690726712346077},{"text":"Yeah.","start":2578.48,"end":2578.98,"sentiment":"positive","sentiment_score":0.33871978521347046},{"text":"I actually wanna get my wife underneath you guys as well.","start":2580.0,"end":2582.96,"sentiment":"positive","sentiment_score":0.44324653257023205},{"text":"She's not quite ready, she says, but I'm I'm I need her under you guys, I think.","start":2582.96,"end":2588.555,"sentiment":"neutral","sentiment_score":0.035284319837741995}],"sentiment":"neutral","sentiment_score":0.1795773504069075,"num_words":40,"start":2574.8,"end":2588.555},{"sentences":[{"text":"She's got she's fifteen years younger than me, so she's got a bit longer to go.","start":2588.555,"end":2592.395,"sentiment":"neutral","sentiment_score":0.028619724907912314},{"text":"But I think once she sees how regular I talk to you guys and so forth, she'll she'll get the idea that it's a good idea.","start":2592.395,"end":2600.79,"sentiment":"neutral","sentiment_score":0.160916291607114},{"text":"Yeah.","start":2607.25,"end":2607.75,"sentiment":"neutral","sentiment_score":0.03700828924775123},{"text":"Yeah.","start":2607.81,"end":2608.29,"sentiment":"neutral","sentiment_score":0.02646704763174057},{"text":"Yeah.","start":2608.29,"end":2608.61,"sentiment":"neutral","sentiment_score":0.017819594591856003}],"sentiment":"neutral","sentiment_score":0.10495631359517574,"num_words":45,"start":2588.555,"end":2608.61},{"sentences":[{"text":"I don't yep.","start":2608.61,"end":2610.63,"sentiment":"neutral","sentiment_score":0.042670539735505976},{"text":"Yeah.","start":2611.25,"end":2611.75,"sentiment":"neutral","sentiment_score":0.11522233486175536},{"text":"Yeah.","start":2616.7651,"end":2617.2651,"sentiment":"positive","sentiment_score":0.3586289882659912},{"text":"Yeah.","start":2632.61,"end":2633.11,"sentiment":"neutral","sentiment_score":0.14576169848442078},{"text":"Yep.","start":2648.1152,"end":2648.6152,"sentiment":"neutral","sentiment_score":0.0350893959403038}],"sentiment":"neutral","sentiment_score":0.11181629096556987,"num_words":7,"start":2608.61,"end":2648.6152},{"sentences":[{"text":"Yep.","start":2654.5498,"end":2655.0498,"sentiment":"positive","sentiment_score":0.4076411724090576},{"text":"That'll be great.","start":2666.355,"end":2667.415,"sentiment":"positive","sentiment_score":0.6565914551417033},{"text":"Cool.","start":2667.795,"end":2668.295,"sentiment":"positive","sentiment_score":0.6051414012908936},{"text":"Yep.","start":2688.25,"end":2688.75,"sentiment":"neutral","sentiment_score":0.10247214883565904},{"text":"Yep.","start":2703.2651,"end":2703.7651,"sentiment":"neutral","sentiment_score":0.10772617906332016}],"sentiment":"positive","sentiment_score":0.4561078952891486,"num_words":7,"start":2654.5498,"end":2703.7651},{"sentences":[{"text":"Yep.","start":2716.04,"end":2716.52,"sentiment":"neutral","sentiment_score":0.07126593589782715},{"text":"Yeah.","start":2716.52,"end":2716.84,"sentiment":"neutral","sentiment_score":0.13371321558952332},{"text":"Cool.","start":2716.84,"end":2717.32,"sentiment":"neutral","sentiment_score":0.2269615083932877},{"text":"Not a problem.","start":2717.32,"end":2718.1401,"sentiment":"neutral","sentiment_score":0.23264769713083902},{"text":"Yep.","start":2732.355,"end":2732.855,"sentiment":"neutral","sentiment_score":0.1737465858459473}],"sentiment":"neutral","sentiment_score":0.18623290530272893,"num_words":7,"start":2716.04,"end":2732.855},{"sentences":[{"text":"Look.","start":2743.7798,"end":2744.0999,"sentiment":"neutral","sentiment_score":0.07635296136140823},{"text":"I think at this stage, probably six monthly just to touch base and go, are you happy?","start":2744.0999,"end":2748.98,"sentiment":"neutral","sentiment_score":0.12142979748108808},{"text":"That sort of thing.","start":2748.98,"end":2750.025,"sentiment":"neutral","sentiment_score":0.1160839144140482},{"text":"And obviously, as I get closer to that retirement age when I'm probably, say, 56, 57, I might wanna touch base with you about every three months and just go, yep.","start":2751.065,"end":2761.9448,"sentiment":"neutral","sentiment_score":0.1655416695340987},{"text":"It's still heading the right way.","start":2761.9448,"end":2763.2249,"sentiment":"positive","sentiment_score":0.6009942988554636}],"sentiment":"neutral","sentiment_score":0.19225004618450747,"num_words":59,"start":2743.7798,"end":2763.2249},{"sentences":[{"text":"We're still doing the right thing.","start":2763.2249,"end":2764.765,"sentiment":"positive","sentiment_score":0.6371393402417501},{"text":"And then obviously, as I hit 60, yeah, we'll discuss things a lot further then.","start":2765.04,"end":2769.3801,"sentiment":"neutral","sentiment_score":0.10581278999646505},{"text":"Yep.","start":2776.32,"end":2776.82,"sentiment":"neutral","sentiment_score":0.18840503692626953},{"text":"Did say that.","start":2784.8652,"end":2785.925,"sentiment":"neutral","sentiment_score":0.05470989768703779},{"text":"Yep.","start":2790.7852,"end":2791.2852,"sentiment":"neutral","sentiment_score":0.1195073276758194}],"sentiment":"neutral","sentiment_score":0.22623345957925686,"num_words":26,"start":2763.2249,"end":2791.2852},{"sentences":[{"text":"Yep.","start":2804.2102,"end":2804.7102,"sentiment":"neutral","sentiment_score":0.11812371015548706},{"text":"Yep.","start":2805.01,"end":2805.51,"sentiment":"neutral","sentiment_score":0.14693962037563324},{"text":"Yep.","start":2812.645,"end":2813.145,"sentiment":"neutral","sentiment_score":0.2024783343076706},{"text":"That would be lovely.","start":2824.34,"end":2825.4,"sentiment":"positive","sentiment_score":0.7287790477275848},{"text":"Yes.","start":2845.2651,"end":2845.7651,"sentiment":"neutral","sentiment_score":0.14052578806877136}],"sentiment":"positive","sentiment_score":0.4403979554772377,"num_words":8,"start":2804.2102,"end":2845.7651},{"sentences":[{"text":"Yep.","start":2845.985,"end":2846.485,"sentiment":"neutral","sentiment_score":0.2945939302444458},{"text":"Yep.","start":2860.04,"end":2860.54,"sentiment":"neutral","sentiment_score":0.09900908172130583},{"text":"Yeah.","start":2860.5999,"end":2860.92,"sentiment":"neutral","sentiment_score":0.0974992960691452},{"text":"Not not a problem.","start":2860.92,"end":2862.305,"sentiment":"neutral","sentiment_score":0.034815315157175064},{"text":"Lovely.","start":2888.68,"end":2889.16,"sentiment":"positive","sentiment_score":0.6805275678634644}],"sentiment":"neutral","sentiment_score":0.16386139206588268,"num_words":8,"start":2845.985,"end":2889.16},{"sentences":[{"text":"Appreciate that, Diana.","start":2889.16,"end":2890.3,"sentiment":"positive","sentiment_score":0.7099830905596415},{"text":"Fantastic.","start":2890.44,"end":2890.94,"sentiment":"positive","sentiment_score":0.7176864147186279},{"text":"It it's a it's a great document by the look of it from what I'm reading.","start":2898.165,"end":2902.5051,"sentiment":"positive","sentiment_score":0.5482436735183001},{"text":"It's been great.","start":2903.445,"end":2904.405,"sentiment":"positive","sentiment_score":0.7125410437583923},{"text":"Yeah.","start":2904.405,"end":2904.9,"sentiment":"positive","sentiment_score":0.3372463881969452}],"sentiment":"positive","sentiment_score":0.5872668325901031,"num_words":24,"start":2889.16,"end":2904.9},{"sentences":[{"text":"A lot of information and, yeah, lots for me to read, but I I really like it.","start":2905.0598,"end":2909.7998,"sentiment":"positive","sentiment_score":0.3636070042848587},{"text":"Excellent.","start":2918.66,"end":2919.16,"sentiment":"positive","sentiment_score":0.7605212926864624},{"text":"Thank you.","start":2919.2998,"end":2920.095,"sentiment":"positive","sentiment_score":0.7718412578105927},{"text":"No worries.","start":2925.135,"end":2925.775,"sentiment":"neutral","sentiment_score":0.3139033615589142},{"text":"Thank you for the call, Diana.","start":2925.775,"end":2927.155,"sentiment":"positive","sentiment_score":0.6244904597600301}],"sentiment":"positive","sentiment_score":0.4592954415295805,"num_words":28,"start":2905.0598,"end":2927.155},{"sentences":[{"text":"See you.","start":2930.015,"end":2930.4949,"sentiment":"neutral","sentiment_score":0.32504524290561676},{"text":"Bye.","start":2930.4949,"end":2930.9949,"sentiment":"neutral","sentiment_score":0.17469917237758636}],"sentiment":"neutral","sentiment_score":0.27492988606293994,"num_words":3,"start":2930.015,"end":2930.9949}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi. Hey. This is Dana from Open Financial. How are you this up this morning?\n\nChannel 1: Speaking. Yeah. Good. Yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go to your updated advice document. Is now a good time there for\n\nChannel 1: It\n\nChannel 0: you?\n\nChannel 1: certainly\n\nChannel 0: Fantastic.\n\nChannel 1: is.\n\nChannel 0: I'm gonna send an email\n\nChannel 1: That'd\n\nChannel 0: to you just containing the documents\n\nChannel 1: be\n\nChannel 0: there. So I'll just get you to\n\nChannel 1: great.\n\nChannel 0: open that one when it comes through.\n\nChannel 1: Yep.\n\nChannel 0: Just while that is coming through there for you, Heath, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Certainly am.\n\nChannel 0: Fantastic. And I'll just do security there with you as well just because we are discussing your personal information. So I'll just get you\n\nChannel 1: Yeah.\n\nChannel 0: to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. It's Heath Gail, fifty the eighth nineteen seventy two at\n\nChannel 0: Yep.\n\nChannel 1: 143 Tasman Street, Devonport, Tasmania.\n\nChannel 0: Beautiful. Thank you so much for that. Now this email, hopefully, should come through fairly quickly\n\nChannel 1: I've\n\nChannel 0: there\n\nChannel 1: already\n\nChannel 0: for\n\nChannel 1: got\n\nChannel 0: you.\n\nChannel 1: it. Yeah. I'm already\n\nChannel 0: Oh,\n\nChannel 1: having\n\nChannel 0: you\n\nChannel 1: a\n\nChannel 0: have?\n\nChannel 1: quick look at it. Yep.\n\nChannel 0: Fantastic. Lovely. Well, what I'll do is I'll jump in and go through a sense of the recommendations there. I will direct you to a couple of pages to sorta hit the points that I need to hit for you, but\n\nChannel 1: Yep.\n\nChannel 0: then we you can go back and have a really good review of that afterwards. Okay?\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Perfect. All good. So with this one here, now the document has been prepared as of the 05/06/2026, has been prepared by myself, Dana Taylor, and my team. My license number is 1304394, and the advice is provided under best interest for you so it's here to meet your goals. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: With the areas that that we are providing you advice on, we've got areas of superannuation. So one of the things was you're looking to hopefully retire around it at the age of 60, the possibility to keep working if you do too longer. You also wanted to look at what to do with your military super, so I've done a really good amount of research on that for you. And then also being able to draw income of around about 50 to 60,000 in retirement from 60 onwards if you choose to retire at 60. It was kind of I wanna retire at 60, but with the option to work longer if you if you would wanted to down the track.\n\nOkay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Beautiful. With the insurance side of things, you do have some life and CBDs income protection. At the moment, we were reviewing that for you. Essentially, we wanted to make sure that in the event that you were passed away, that your wife is able to cover the mortgage and looking at six years of income replacement. So we've assessed your life and CPD to cover that for you.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: then also just making sure that your income protection is in line with 70% of your income, which is a maximum that we can claim on income protection there.\n\nChannel 1: Yep.\n\nChannel 0: With the estate planning side of things, just making sure that beneficiaries are in line and nominated correctly to make sure that in the event of you passing, that your partner is able to or your wife is able to receive the benefit there. Because you are getting closer to retirement, I've limited scope in the retirement planning side of things. So looking at the recommendations that we're making now, and then looking at the next sort of five to ten years to sort of see where we're projected to go, and then we'll keep reviewing and updating that as we get closer to those years. Okay?\n\nChannel 1: Two.\n\nChannel 0: Excellent. And then scoping out areas of cash flow and savings and also a personal investment that you wanted to possibly buy. You actually bought an investment property now. I understand. That was one of your\n\nChannel 1: I\n\nChannel 0: goals\n\nChannel 1: heard.\n\nChannel 0: in the next five years.\n\nChannel 1: Yeah. That that came a bit earlier than I thought, but that's just\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: okay.\n\nChannel 1: way it goes. Yep.\n\nChannel 0: That's absolutely fine. It is scoped out. I'm not providing advice around investment property\n\nChannel 1: Yeah.\n\nChannel 0: side of things, but we can always look at how things are tracking and update advice on the track to reflect that for you. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Beautiful. Now to make things a bit easier, I'll let you go back and have a really good review of everything as we are after we go through the call, because it\n\nChannel 1: Yeah.\n\nChannel 0: is often a little bit harder to kinda look at all the pages and go through it. But what I'll get you to do to make it a bit easier is I will just get you to scroll, sorry, down to page number 26 for me. So I'll run through the start of the recommendations there with regard to your super and what we're recommending,\n\nChannel 1: Yes.\n\nChannel 0: and then I'll take you to the military super side of things.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Okay. I'm on 20\n\nChannel 0: Per\n\nChannel 1: six.\n\nChannel 0: perfect. Now with this one here, we are recommending that we do retain your hub 24 and your military super exactly as they are. Military\n\nChannel 1: Cool.\n\nChannel 0: super, there's no real change to the investments there in any way because it's not invested as a normal refund is. But with normal refund is. But\n\nChannel 1: That's\n\nChannel 0: with one\n\nChannel 1: right.\n\nChannel 0: twenty four, we are recommending that we do alter the investments that you do have. So we did have a look at the way you were invested and with your\n\nChannel 1: Yep.\n\nChannel 0: goals and what your portfolio have been doing. And we have noted there's some areas that the portfolio could be doing better at. So I am\n\nChannel 1: Good.\n\nChannel 0: recommending that we do sell down all of the global battery lithium sector. It's a good investment, but we're gonna sort of look to cement the gains and move things elsewhere. It's also about\n\nChannel 1: Yep.\n\nChannel 0: reducing the risk level as well as we get closer to retiring. The Better Long Estate in equities has been underperforming, so we are removing and selling all of that investment out of there.\n\nChannel 1: Cool. Yep.\n\nChannel 0: The bank hybrids, they are being phased out as an investment vehicle over the next couple of years. So we figured both we are making these changes. We may as well look at selling that and replacing the investment. Both we are making the changes because\n\nChannel 1: Yep.\n\nChannel 0: in a couple of years down the track, we're gonna have to anyway. So so it's worth\n\nChannel 1: Right.\n\nChannel 0: doing it when you make big changes.\n\nChannel 1: Yep.\n\nChannel 0: We've also got the China new economy. There has not been a bad investment. China really hasn't kind of come up and being what they thought it was gonna be when we invested the funds in there. So we\n\nChannel 1: Yep.\n\nChannel 0: are looking to remove and replace that as well. Physical Gold has been doing really well is doing really well, but you are a little bit over exposed at the moment. So we are just rebalancing that back from the 11.68 to about 10%. So by\n\nChannel 1: Cool.\n\nChannel 0: no means that we're replacing it, still good to keep. We just\n\nChannel 1: Yep.\n\nChannel 0: wanna rebalance back a little bit as well. And\n\nChannel 1: Yep.\n\nChannel 0: then we've got the cybersecurity. It has taken a little bit of a battering this year, but it is still a good investment to hold. You do have about 5.64% at the moment, so we just wanna kind of rebalance that back a bit for you to 5%.\n\nChannel 1: Yep.\n\nChannel 0: And then we've got the S and P 500 again. Not selling all of it, just rebalancing back to 30%. It is still a really good place to be. I have had a lot of people asking me more about, you know, if it's still worth investing in The US. It absolutely is.\n\nOver the longer term, The US still provides great returns, and\n\nChannel 1: Yep.\n\nChannel 0: Australia followed suit as well. It's just that what we're going through at the moment is a bit of a hiccup. We just need to kinda go through it, roll through it, and wait for us to come at the other side of what's going on at the moment.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So rebounding that back a little bit for you as well. And then with the Van Eck Australian property, again, we are just gonna remove that completely out of the portfolio and invest the funds in other ways.\n\nChannel 1: Yep.\n\nChannel 0: With the beta shares Rafi, so, essentially, we're gonna sell all of that. It is hasn't been a bad investment. It has done really well, but, again, I've sort\n\nChannel 1: Yep.\n\nChannel 0: of created a whole new portfolio for you to incorporate both mid and full cap areas within the Australian equities, Just making sure that we're considering your risk level and the returns to the portfolio. So we're gonna get rid of all of that as well. We are gonna\n\nChannel 1: Cool.\n\nChannel 0: buy into the iShares Europe. This is giving you exposure not to one or two companies in Europe, but all the European countries and all the large and mid cap, sorry, investments within Europe. I do apologize. Sorry for that.\n\nChannel 1: You alright?\n\nChannel 0: So giving you exposure to all the European countries there and also large and mid cap stocks within those European countries to giving you diversification. And Europe is still a very big growth area, especially with what's happening at the moment. Certain European countries are doing very, very well, and we wanna take advantage of those areas for you.\n\nChannel 1: Two.\n\nChannel 0: We've got Japan. So Japan has been quite a bit of a growth area at the moment, especially with what's going on currently. Japan has looked after their sorry, has looked after their their citizens very, very well. They've kinda prepared quite well for what's going on. And over the last couple of years in general, with China not kinda coming to the party and doing things right, there's a lot of movement away from China and into the Japanese economy.\n\nSo we wanted to kinda take advantage of that and just have about 5% invested there for you.\n\nChannel 1: Yep.\n\nChannel 0: We've also got the all world Vanguard all world ex US. So this is investing in essentially globally the entire world, certain parts of it, but not The US. Nothing because we keep the S and P 500 above there for you. But, again, we're giving you diversification. So one of the biggest things about being able to reduce your risk level is that we make sure we're diversifying.\n\nWe can never\n\nChannel 1: Yep.\n\nChannel 0: control a 100% of market risks, but one of the biggest things we can do is diversification. So spread your risk level over different areas, different economies, different countries, and different asset classes. And this is one of the ways of doing this. So keeping the Vanguard or World u ex US investment there, and I have seen some really good gains over the past couple of months, And it's diversifying, keeping your risk a little bit lower. So keeping 8% invested there for you.\n\nBecause we are selling off the then along Australian equities, it hasn't performed as well. We're putting the Australian equity portion into the BetaShares a 200. One of\n\nChannel 1: Yep.\n\nChannel 0: the things that I like about the a 200 as well as the S and P 500 is that you're tracking the top 200 companies on the ASX. And with the S and P 500, you're tracking the top 500 companies in The US market. These are tracking certain indices. And, essentially, in order for companies to be within the indices and therefore in these investments, they have to meet a certain criteria. So the investment committee of the industries that these are tracking, they they meet every quarter.\n\nThey check what companies are eligible to be within the indices, and if they're not eligible, they are removed and replaced with something else. So you can be mindful that you are always tracking the top 200 companies on the ASX with the BetaShares a 200. And same with\n\nChannel 1: Two.\n\nChannel 0: the S and P 500, you're always tracking the top 500 companies. So it's\n\nChannel 1: Yeah.\n\nChannel 0: a really good way of making sure that you're always tracking the top countries, the Sorry. Top companies even when some of those companies may be underperforming or not doing as well. If they don't meet the criteria to remain in the index, then they are removed and therefore removed out of these investments as well to make it nice and easy for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Having US and Australian exposure separately is really important. It has been a bit up and down recently, but we are seeing really good returns. And even having a look at, you know, the all odds, one of the things I like to look at is the all ordinaries that essentially chop track the top 80% of the market, and we use that as a baseline for what the entire market has been doing for the day. And even this morning, it started out up by over 1%, so it's a good sort of you know, we've had a lot of up up and downs, but today,\n\nChannel 1: We have\n\nChannel 0: we're seeing\n\nChannel 1: it.\n\nChannel 0: a bit of a positive sign.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Of my own shares, I was on there looking at them this morning, and I was like, oh, good. They're up.\n\nChannel 0: It's a nice, nice sign. I've been looking the ups and downs. We're going, wow. We've had some pretty heavy, you know, two, three, four,\n\nChannel 1: It has.\n\nChannel 0: 7% down,\n\nChannel 1: Yeah.\n\nChannel 0: but to see a bit of an up, we've also had really good gains that have kinda mitigated some of those short term losses. So it's\n\nChannel 1: Yeah.\n\nChannel 0: a little bit all over the place. We're just gonna kinda weather the storm and keep kinda going through it. But that's\n\nChannel 1: Yeah.\n\nChannel 0: why altering your portfolio now is a really good thing to do. We take advantage of the ups and downs that we are seeing. Buy in when the prices are discounted at a downtime. And, obviously, we get a little bit less when the market is higher, but we also get those gains as the market comes out and recovers as well. So\n\nChannel 1: Yeah.\n\nChannel 0: yeah. And then because we are getting rid of the core composite so the bank hybrids, we're gonna move into the core composite bonds. Core composite bonds is giving you access to our government as well as corporate bonds. It also gives you access to diversified corporate bank notes and things like that as well as the bonds globally as well as corporate bank notes. So it is kinda giving you diversification in that defensive area.\n\nBonds are relatively lower risk. They do tend to get a lower rate of return, but having a good mix of growth investments as well as those bonds and fixed interest kinda helps to mitigate long term market volatility and has some low risk investments is also important\n\nChannel 1: Cool.\n\nChannel 0: to have in your portfolio there as well. So that's\n\nChannel 1: Yep.\n\nChannel 0: a bit of a quick breakthrough of those ones. Did you have any questions about the investments? I kinda keep it fairly brief going through the\n\nChannel 1: Yeah.\n\nChannel 0: changes, but you're welcome to ask me more if you want to delve deeper.\n\nChannel 1: No. No. Look. I'm I'm pretty happy. I'm not look.\n\nI'm not buffed on on a lot of stuff. But from what I can sort of see what you're doing visually and hearing you talk, I'm pretty happy with where that's going and what you're doing.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: Perfect. Perfect. Underneath that, you'll see the cash account. So we do need to keep 1.25% cap in the hub twenty four super account there. You have a little bit higher amount at the moment, so we're just\n\nChannel 1: Yep.\n\nChannel 0: gonna invest about $738 there into the investments above to make sure we reduce your cash balance down to the minimum. Essentially, you don't get any real rates of returns from cash, so it is really important to just have the minimum amount of cash in there.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Cool. Yep.\n\nChannel 0: Excellent.\n\nChannel 1: So just out\n\nChannel 0: Yes.\n\nChannel 1: of curiosity,\n\nChannel 0: Sorry.\n\nChannel 1: just\n\nChannel 0: Sure.\n\nChannel 1: at at the\n\nChannel 0: Yeah.\n\nChannel 1: total there where you've got $5.67 $1.46,\n\nChannel 0: Mhmm.\n\nChannel 1: what is that in reference to? Because when I check my balance for my super and stuff, it says about, I think it was 504 the other day or something like that. So what's what's that?\n\nChannel 0: Mhmm. So that is essentially looking at the target that we should oh, that's including your military super balance at the bottom.\n\nChannel 1: Right. Good. Yep.\n\nChannel 0: Yes. Sorry.\n\nChannel 1: Yep. No. That's\n\nChannel 0: I I\n\nChannel 1: okay.\n\nChannel 0: was like no. So good. So that takes into account the target balance that we should have in all of those individual investments.\n\nChannel 1: Yes.\n\nChannel 0: But at\n\nChannel 1: Yep.\n\nChannel 0: the very top of the moment, the updated balance you have in military super so we got a a\n\nChannel 1: I\n\nChannel 0: new\n\nChannel 1: saw\n\nChannel 0: statement\n\nChannel 1: that.\n\nChannel 0: through\n\nChannel 1: Yes.\n\nChannel 0: the other day.\n\nChannel 1: Yep.\n\nChannel 0: And so they're saying the updated balance is 74,076. So\n\nChannel 1: Yep.\n\nChannel 0: because we are retaining the military super, we are accounting for that balance, and that's giving\n\nChannel 1: Good.\n\nChannel 0: you\n\nChannel 1: Good.\n\nChannel 0: a total across what's expected across both of those accounts for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: No. That's fine. Just so long\n\nChannel 0: Yep.\n\nChannel 1: as I know, yeah, where that figure come\n\nChannel 0: Yeah.\n\nChannel 1: from.\n\nChannel 0: Absolutely. Not an issue at all. If you\n\nChannel 1: Cool.\n\nChannel 0: scroll down for me now the\n\nChannel 1: Yeah.\n\nChannel 0: other reason we are looking at rebalancing a lot of these as well as moving is that you're in a growth portfolio. You should be in a growth that growth environment. We sort of talked a little bit about the risk profile questionnaire and how a growth portfolio generally fits.\n\nChannel 1: Yep.\n\nChannel 0: At the moment, when you look at the way you are invested, your existing, you have about 93.01% in growth investments and about\n\nChannel 1: Yep.\n\nChannel 0: 6.99% in defensive investments. So at the moment, you're actually more of a high growth portfolio, which means you're taking on a bit more risk than where\n\nChannel 1: Yes.\n\nChannel 0: your comfort level was sitting. So what we are looking to do by making these changes is to reduce your risk level a little bit in the market. So once they complete the changes there, your portfolio should see about 86% in growth investments and 14\n\nChannel 1: Yep.\n\nChannel 0: percent in defensive lower risk investments. So\n\nChannel 1: Yeah.\n\nChannel 0: we're\n\nChannel 1: Cool.\n\nChannel 0: reducing the risk in the market a little bit, increasing some of those defensive investments, but we also wanna make sure the returns are occurring as well. And that's where kind of the next page comes into consideration, and this is the big comparison table.\n\nChannel 1: Yep.\n\nChannel 0: So I like to make sure everyone is aware there are the advantages as well as the advantages and risks involved of every strategy and every decision we make.\n\nChannel 1: Yeah.\n\nChannel 0: When we look at making those changes above, you can see we are buying and selling certain investments there. And your super fund, just like you do, does a tax return every year. So we do know that by making these changes, there are gonna be a CDT, so tax consequences your super fund has to take into account. And once they've kind of gone through and looked at it all back, the difference or the CDP consequence for changing this portfolio this way means that your super fund would account for about $3,274 in CDT. So they will pay that much in tax, essentially.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: In saying that, you also reduced your investment fees. So by making the switch by moving into some of the cheaper investments, reducing your risk level, And the investment phase, essentially, we can show you save about $1,360 on investment fees. So the reason\n\nChannel 1: Who?\n\nChannel 0: I kind of looked at this as being a positive thing was, a, we're reducing the risk level, reducing investment fees, but there is a CGT consequence. So it actually works out that in approximately it's about two and a half to three years without any additional growth is where the investment fees would essentially make back that CGT consequence. So\n\nChannel 1: Yep.\n\nChannel 0: it does work out to be in your benefit to do so. In saying that, we want that CGT to be made back a lot faster. So we do look at the growth outcome. And on the bottom of that table, sorry, it shows you that the current portfolio you're in and the five year rolling average, this portfolio has averaged about 10.62%. By moving into this newer portfolio and reducing your risk level, you're saving on investment fees, but the five year rolling average has also been slightly higher.\n\nSo you can\n\nChannel 1: Yep.\n\nChannel 0: be moving into a portfolio that's lower risk, saves you on fees, but has also shown greater past performance, which, moving forward, could provide you with a greater future performance as well depending on market conditions. Does that make sense?\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Beautiful. Now you are your contributions are still going in. There's no change to those in any way, shape, or form, your salary sacrificing and your employer contributions. So keeping them going in exactly as they are provides that greater benefit, especially with the compounding effect. With the insurance premiums, I have made a little bit of a recommendation on off who knows for you, and I've got an alternative for you to consider as well, and I'll go\n\nChannel 1: Yep.\n\nChannel 0: through that shortly with you. Okay?\n\nChannel 1: Could I? Yep.\n\nChannel 0: With the military super, you'll see it does show retaining that exactly as it is. That doesn't factor into the returns at the bottom there because military super is not invested in market conditions. It's a hybrid sort of product, which is beyond\n\nChannel 1: Yep.\n\nChannel 0: cool. But, essentially, it doesn't factor into those returns at the bottom there. They essentially have that growing at a certain interest rate on\n\nChannel 1: Yep.\n\nChannel 0: a yearly basis, and so it's not actually invested in any way, shape, or form like any other super fund out there which invested in any way, shape,\n\nChannel 1: No.\n\nChannel 0: or form like any\n\nChannel 1: Yes.\n\nChannel 0: other super fund\n\nChannel 1: It\n\nChannel 0: out\n\nChannel 1: it\n\nChannel 0: there, which\n\nChannel 1: it\n\nChannel 0: is\n\nChannel 1: grows\n\nChannel 0: kinda\n\nChannel 1: very\n\nChannel 0: cool.\n\nChannel 1: slowly.\n\nChannel 0: It does. It does. It does. To make it a bit easier for you, if you also scroll back up for me just to page number 18, this is the military super side of things for you. So\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Just\n\nChannel 0: know\n\nChannel 1: kidding.\n\nChannel 0: it took a little bit longer to get this advice document done out, but I've done a good good amount of research with them and kind of put some figures\n\nChannel 1: Yeah. Cool.\n\nChannel 0: together for you. I am gonna make a recommendation that we do retain military super exactly as it is for the time being.\n\nChannel 1: Yep.\n\nChannel 0: Your balance is really well there at the moment. And you've got three three components in military super. You've got your employer benefit and a member benefit and then an ancillary benefit. The\n\nChannel 1: Yep.\n\nChannel 0: defined benefit portion of military super is the employer benefit, which is accessible to you once you hit age 55. So you're 53 at the moment. You're 54\n\nChannel 1: Yep.\n\nChannel 0: this year. So you have that technically, next year ish, you'll be able to sort of access that benefit if you choose to.\n\nChannel 1: Yep.\n\nChannel 0: The main thing I kind of wanna bring up is that with this recommendation, I'm actually recommending that if you can, and you don't have to, we will talk more about this as we get closer, and I can look at the numbers to sort of determine at 55 whether it's worthwhile.\n\nChannel 1: Yeah.\n\nChannel 0: But I'm actually recommending you maybe hold that benefit until age 60, and that is because there are different tax consequences for doing so.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: when you reach between 55 to 59, you're able to access the employer part only as either a lump sum or an income stream.\n\nChannel 1: Yep.\n\nChannel 0: If you're 60, there are different tax consequences for accessing it. Essentially, if you take it as a lump sum benefit, you pay a tax. It's if you take it as an income stream, it's your marginal tax rate.\n\nChannel 1: Yep.\n\nChannel 0: These benefits are not taxed going in, so they are included in your income in your assessable income, and you do pay tax your marginal tax rate is under 60 on drawing the amount as an income stream. If you take it as a lump sum, then it is up to 30% plus Medicare levy if you're under the age of 60.\n\nChannel 1: Yep.\n\nChannel 0: If you're 60 and over and you decide to take it as an income stream, you do get an offset. So it is your\n\nChannel 1: Yep.\n\nChannel 0: marginal tax rate that you do get an offset. It's about 10% as a tax offset. And if you take it as a lump sum, it's conceptually taxed at 15% plus Medicare levy to 17% instead of 30%. So\n\nChannel 1: Yeah.\n\nChannel 0: when you get to that age or close that age, we can look at what the updated balance looks like inside that portion. I can work out the the expected math on what the drawdown is. We can use it we can even also ask them to give us a quote on what they what they see the drawdown to be looked at. We can look at the tax consequences and work out whether it's drawing it out better at 55 or whether we hold off until 60 to make sure you get the most out of the benefit\n\nChannel 1: Yeah. Look, for me, I think holding off until I'm 60 is where\n\nChannel 0: is\n\nChannel 1: I'm\n\nChannel 0: a better\n\nChannel 1: at at\n\nChannel 0: option.\n\nChannel 1: the moment. Yeah. I think\n\nChannel 0: Yeah.\n\nChannel 1: I think so. I think there's more benefits to that than there is at 55.\n\nChannel 0: Absolutely.\n\nChannel 1: And I'm still working, and I still earn a good wage\n\nChannel 0: Yeah.\n\nChannel 1: at the moment. I don't\n\nChannel 0: Yeah.\n\nChannel 1: technically I know that as you just said, it'll it'll impact on my tax if I do start drawing\n\nChannel 0: Yeah.\n\nChannel 1: on it. You\n\nChannel 0: Yeah.\n\nChannel 1: know? I I don't see him giving the tax man more money is a good thing. I don't think he does a good\n\nChannel 0: Absolutely\n\nChannel 1: job with it anyway.\n\nChannel 0: not.\n\nChannel 1: So,\n\nChannel 0: Absolutely\n\nChannel 1: yeah.\n\nChannel 0: not. Absolutely not. And and the good thing is, like, once you get to 60, we can also consolidate the different benefits.\n\nChannel 1: Yep.\n\nChannel 0: So at 55, the ancillary and the member benefits, which are only a very small portion, I believe you actually don't have any ancillary benefits, and there's only a small portion of the member benefit there.\n\nChannel 1: That's\n\nChannel 0: They actually\n\nChannel 1: right.\n\nChannel 0: do have to stay intact. We can't move them out at any point\n\nChannel 1: Yeah.\n\nChannel 0: yet. At 60, we can look to roll them over. At 60, we can also roll over the entire amount into hub 24 as well, and,\n\nChannel 1: Yeah.\n\nChannel 0: essentially, they do that 15% tax when the rollover is commenced. So\n\nChannel 1: Yeah.\n\nChannel 0: there's other options that we can look at, but I do see the best benefit for you is to retain this until the age of 60. At\n\nChannel 1: Yep.\n\nChannel 0: 60, we can draw some out here to purchase the caravan. We can roll it over. There's a whole bunch of different things that we can do, but the tax consequences are much lower from the age of 60 onwards. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I've put\n\nChannel 1: Alright.\n\nChannel 0: a lot of that fun stuff in there for you with the tax breakdowns and things like that.\n\nChannel 1: Yeah. No. Cool. Yep. Thank you.\n\nChannel 0: No. That's okay. I promise you I'd do a good amount of research on your benefit, how much you had,\n\nChannel 1: Yeah.\n\nChannel 0: and what the\n\nChannel 1: Yeah.\n\nChannel 0: the advantages, disadvantages, and risks are.\n\nChannel 1: Yep.\n\nChannel 0: And I've got all those for you below as well. So you've got, I think, about three pages with all the advantages, the disadvantages, the risks involved of the strategies, and also any additional alternatives I've considered as well. So one of the alternatives is that we look at this at 55 and 60 again to look at what the tax\n\nChannel 1: Yeah.\n\nChannel 0: consequences are. I've\n\nChannel 1: Yeah.\n\nChannel 0: based an estimated tax result based on the balance I was able to obtain to the member side of things, and then\n\nChannel 1: Yep.\n\nChannel 0: we can always review that down the track for you as well. But it is best to retain that as it is. And as we kinda noted, this isn't invested in a normal market condition. It doesn't fluctuate. So if it's 50, and as much as it grows at a lower rate of return, it's not subject to market changes.\n\nSo it's kinda\n\nChannel 1: No.\n\nChannel 0: giving\n\nChannel 1: That's\n\nChannel 0: you a\n\nChannel 1: right.\n\nChannel 0: bit more\n\nChannel 1: Yeah.\n\nChannel 0: of a defensive investment. Yeah.\n\nChannel 1: It has it's it's never dropped. It's always going up,\n\nChannel 0: No.\n\nChannel 1: but it like I said,\n\nChannel 0: Absolutely.\n\nChannel 1: it's very slow at going up, but I'm very happy that\n\nChannel 0: Yeah.\n\nChannel 1: it is going up.\n\nChannel 0: Yeah. Yeah. Absolutely. Absolutely. So now that's essentially the bulk there.\n\nWe just retain the military safer as it is, make some changes to your hub twenty four portfolio. I have got a on page number 30, there a bit of a and I did assure you with hub twenty four because we can't we don't know what will be interest rate that or the the index rate that the military sleeper increases by. It changes depending\n\nChannel 1: Yep.\n\nChannel 0: on what's happening with the markets and and with the rules of the funds there. We haven't included that in the projected balance here, but the projection essentially shows you with the changes in Hub twenty four with your current season contributions and the five year rolling average if you are able to get that 11.11% on a yearly basis over the next five to ten years, essentially, where your Hub twenty four balance could be. So\n\nChannel 1: Yes.\n\nChannel 0: then by retaining military super I know you wanna use some of that for a caravan, which is absolutely fine, but that\n\nChannel 1: Yeah.\n\nChannel 0: only adds on top of this essentially depending on market conditions for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Cool. Yep.\n\nChannel 0: Yeah. Perfect. If you go down to the next page there, I as I mentioned, I've actually been a retirement planning to a limited scope for this to sort of show you the long term effects. So I like to project out as you are closer to accessing super, essentially, what this might look like if you did stop working at the age of 60. I know we're\n\nChannel 1: Yep.\n\nChannel 0: working on an average income of about $5,060,000 from your super there. This shows that with the projected outcome, to get longevity to make your super last until about ninety, ninety one there, you would only be able to draw out about 45,780 as an\n\nChannel 1: Yep.\n\nChannel 0: estimated income. To draw out the 50 or 60,000, it does mean your super doesn't last as long. So we are sort\n\nChannel 1: Yep.\n\nChannel 0: of under under the limit by that 17,000 there at the moment, but this is not factoring in Centrelink. I did originally have a Centrelink projection in there for you as well. But because you've\n\nChannel 1: Yep.\n\nChannel 0: now got your investment property with your assets, it is slightly over the threshold currently\n\nChannel 1: Yeah.\n\nChannel 0: with the projected outcome plus your assets, but that doesn't mean I can't get it. I do\n\nChannel 1: Yep.\n\nChannel 0: a lot of sheltering of investments and working with clients to access even part pension. So when\n\nChannel 1: Yep.\n\nChannel 0: you get closer to 67, we can look at sheltering assets, look at what loans you have, investment property, where your super balance sits, and what we can do to try and get you part age pension as well as any other benefits that you might be eligible for to\n\nChannel 1: Cool.\n\nChannel 0: get longevity and and draw less out of super for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Cool.\n\nChannel 0: Yeah. So this sort of shows that whilst we're on a good track, longevity wise, we are a little bit off the mark there.\n\nChannel 1: Yep.\n\nChannel 0: We also only consider a very a conservative rate of return in in in retirement years. So when you kinda hit those retirement years, you are drawing income down. We're not sort of aiming for those high growth or growth sort of trajectory investment targets. We're normally only looking to get between a five to 9% return out of that super on a yearly basis because we're taking less risk in the market. We tend to be more defensive in those years.\n\nChannel 1: Yep.\n\nChannel 0: So we do factor this off, like, more conservative rate of return in those retirement years as well. So this sort of shows you where we're tracking at the moment, but we can keep looking at things, keep tracking, keep adjusting everything to make sure that we're on track and see where we end up in the next sort of five to ten years and when you choose to retire as well. Does that make sense?\n\nChannel 1: Cool. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Do you have any questions so far? You're welcome to ask me anything you\n\nChannel 1: Yeah.\n\nChannel 0: like.\n\nChannel 1: No.\n\nChannel 0: Or\n\nChannel 1: No. Pretty happy. As I said, pretty happy at the\n\nChannel 0: yep.\n\nChannel 1: moment. You know, I'm reading\n\nChannel 0: Fantastic.\n\nChannel 1: as as we're going through. So I'm following along and looking at what you're sort of saying. So\n\nChannel 0: Beautiful.\n\nChannel 1: pretty good.\n\nChannel 0: Beautiful. Now the next page is the insurance side of things. So at the moment\n\nChannel 1: Yep.\n\nChannel 0: with your cover, you do have you've got a bit over 800,000 of life and t p d there, and so $8.75 of life and TBD there, and you've got some income protection. We sort of looked at what your goals were when we spoke last time, and you wanted to make sure that if anything happens to you with life and TBD, that you have six years of income replacement covered plus the mortgage. I've only\n\nChannel 1: Yep.\n\nChannel 0: faxed in the main primary residence, not the investment property for this.\n\nChannel 1: That's fine.\n\nChannel 0: I can\n\nChannel 1: Yep.\n\nChannel 0: always look to adjust it if need be, but I've also got an alternative for you as well. So\n\nChannel 1: Yeah.\n\nChannel 0: at the moment, you're paying so at the moment, out of your super, you're paying it's about it's been over 9,000 on a yearly basis there. It's about 8,389 that you pay out of super for your insurances for this year.\n\nChannel 1: Yep.\n\nChannel 0: It does also mean that with your goal, you're a bit underinsured for your life and TBD there. So when I went back and had a look at the math and looked at what you needed to be insured for, it does say that we do need to increase your life and TBD a little bit. We\n\nChannel 1: Mhmm.\n\nChannel 0: the math came out at about 917,000 of life and TBD, but it worked out only a small cost to increase it to about 8 by 86,000 and give you a full bill. And it\n\nChannel 1: Yep.\n\nChannel 0: actually still works out cheaper than what you are paying at the moment.\n\nChannel 1: Alright.\n\nChannel 0: So I'm recommending that we do increase your life and TBD to a million dollars even, but we're also gonna decrease your income protection benefit there. So at the moment, you are slightly over insured with regards to income protection. So we\n\nChannel 1: Yep.\n\nChannel 0: can look to decrease the IP benefit down to that monthly benefit of $7.01 $1.07. That brings you back in line with 70% of your income, giving you\n\nChannel 1: Yep.\n\nChannel 0: still that ninety day wait five year benefit period.\n\nChannel 1: Cool.\n\nChannel 0: And because it's it is still reducing the cost of your insurance premium, so the total premium of the $9,013.72, that's how much the insurer receives. What you actually pay is that $7.06 $6.02 per annum. So\n\nChannel 1: Yes.\n\nChannel 0: because\n\nChannel 1: Yep.\n\nChannel 0: with the way taxation works inside super, contribution to tax the 15% with the way the money doesn't leave the super system, you actually get a 15% rebate on the premium coming out of super. So that's\n\nChannel 1: Yep.\n\nChannel 0: why it actually gives you a bit of a 15% discount, and you pay less inside super for your premium than what the insurer actually receives on the other end, if that makes sense.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: It's a little bit weird the way it works. So when you pay for this inside of Super, you'll see at the top here, it's actually owned by the MetLife trustees.\n\nChannel 1: Yes.\n\nChannel 0: And that's because\n\nChannel 1: Yep.\n\nChannel 0: when you hold insurances inside Super, the policy is actually owned by MetLife Super trustees, and they have this little Superfund over here which holds the insurances for you, so it retains the Super product. And\n\nChannel 1: Yep.\n\nChannel 0: because the money going over acts like a contribution to the insurer, so they receive or they would have to they account for the 15% tax on the other side. And when the premium comes out of your super fund, it goes from one super fund to another. So it never\n\nChannel 1: Yep.\n\nChannel 0: actually leaves the super fund the super system, and\n\nChannel 1: Yep.\n\nChannel 0: they give you a rebate or a 15% discount on the money coming out to account for the 15% on the other side. It's a\n\nChannel 1: Yep.\n\nChannel 0: bit weird the way it works, but it's really cool because it gives you a\n\nChannel 1: I\n\nChannel 0: discount.\n\nChannel 1: was gonna say,\n\nChannel 0: So\n\nChannel 1: as long as it works and gives me, yeah, the discount, I'm happy.\n\nChannel 0: it's it's it's been convoluted the way the whole thing the whole thing works, but I love the fact that you get a discount out of it.\n\nChannel 1: Yeah.\n\nChannel 0: So it\n\nChannel 1: Yeah.\n\nChannel 0: means the amount you pay is not the amount the insurer receives for the year,\n\nChannel 1: That's\n\nChannel 0: but you're\n\nChannel 1: it.\n\nChannel 0: still fully covered. So\n\nChannel 1: Yes.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. Yeah. I like it.\n\nChannel 0: Yeah. Yeah. Now that is essentially the way you have at the moment. When I had a really good look back, you kinda mentioned to me last time there's been no major changes in your health since we did the original application there. And increasing your life and CBD does mean you have to go through an increased application.\n\nSo they will underwrite the increase of the policy. At the\n\nChannel 1: Yep.\n\nChannel 0: moment, looking at your current policy, you do have some exclusions. So we do have a mental health and a spine exclusion\n\nChannel 1: That's right.\n\nChannel 0: there.\n\nChannel 1: Yep.\n\nChannel 0: With those, I would expect them to still be applied to the higher level of cover there.\n\nChannel 1: Yep. Yep.\n\nChannel 0: However, if there's any changes to to your health since then, depending on what's disclosed, there could be other exclusions applied. Okay?\n\nChannel 1: Yeah. No. There's\n\nChannel 0: So\n\nChannel 1: no\n\nChannel 0: it\n\nChannel 1: other\n\nChannel 0: just\n\nChannel 1: changes.\n\nChannel 0: comes nothing changed. Beautiful.\n\nChannel 1: No.\n\nChannel 0: That's what we\n\nChannel 1: No.\n\nChannel 0: wanna hear.\n\nChannel 1: Yeah.\n\nChannel 0: In the appendix, which is attached there for you, I have also got an alternative for you to consider as well. So the other alternative is if you decided you didn't wanna go to the increased application, we could just look to decrease your life and TPD to cover the mortgage. And that would mean that if you were to pass away, your wife could receive a benefit to cover the mortgage amount, and then your super benefit and your defined benefit from military super gets paid to her as additional income or additional support on top of that.\n\nChannel 1: Yeah.\n\nChannel 0: And the same thing in the event of a TPD claim. So the problem with TPD is that we're still alive. We're still here. We still have ongoing expenses. But\n\nChannel 1: Yeah.\n\nChannel 0: if you were to look at that alternative there, it's essentially just reducing the TBD from where you have it now down to about that two fifty eight months to cover the mortgage, and then just having your super and your deferred benefit, paid out on top of that as additional income if that's what we're able to do with the time there. It does\n\nChannel 1: Yep.\n\nChannel 0: reduce the cost from what you are paying at the moment down to about 5,007. So it does reduce the cost a lot more significantly, which in the longer\n\nChannel 1: Yep.\n\nChannel 0: term does increase the overall projection when you kinda weigh it up with everything else. But what I've got in the advice document here is more in line with your goal. So it's just about working out what's more comfortable for you. Do you wanna go through the increase of the life and TPD as well as decrease the income protection, or would you rather just decrease the life and TPD and save a lot more in the way of insurance premium costs?\n\nChannel 1: Yeah.\n\nChannel 0: So I've\n\nChannel 1: No.\n\nChannel 0: kind\n\nChannel 1: I\n\nChannel 0: of added both of those for you. Sorry.\n\nChannel 1: yeah. That's fine. Look. Just reading it as you're talking through it, I'm happy with that our first recommendation of, you\n\nChannel 0: Yeah.\n\nChannel 1: know, not\n\nChannel 0: Yeah.\n\nChannel 1: the alternatives. I mean, it does save me money, but the plan is to look after the family if I was to be disappear\n\nChannel 0: Yeah.\n\nChannel 1: off the face of the earth for whatever reason.\n\nChannel 0: Absolutely.\n\nChannel 1: So I think the more money they can have, the better.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: And we review this with you on a regular basis, so we'll keep reviewing the insurances, keep\n\nChannel 1: Yeah. Yep.\n\nChannel 0: altering them as we need to. Obviously, as your mortgage decreases, as your super balance increases over time, we can make sure we decrease those levels of cover\n\nChannel 1: That's\n\nChannel 0: as well\n\nChannel 1: right.\n\nChannel 0: for you.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. MetLife is a really great product to have. I've also got in there for you all the advantages, the disadvantages, and the risks involved.\n\nChannel 1: Yep.\n\nChannel 0: MetLife gives you certain things like premium relief for unemployment. So if you become involuntarily unemployed, your premium to life and TVD can be put on or waived or put on hold for three months\n\nChannel 1: Yep.\n\nChannel 0: just to save the amount of the premiums being paid for those. The only downside is if you use that premium release, so you can't claim in that three months as well, but it does give you, you know, a little bit of extra protection in the event that you, you know, need to hold off on paying those premiums.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: These do also increase every year along with indexation, so it means that it keeps up with CPI, which is really important as well. You wanna make sure\n\nChannel 1: Yep.\n\nChannel 0: that if you had the claim, that the money actually pays out and covers the cost of what you needed to cover. We\n\nChannel 1: Yeah.\n\nChannel 0: do know a $100 this year isn't worth a $100 next year. So our buying capacity is eaten away by in by CPI every year, so making\n\nChannel 1: Exactly.\n\nChannel 0: sure that continues there for you is important.\n\nChannel 1: Yep.\n\nChannel 0: It's with the income protection, it's reducing it down does mean that there's no increase there. It does save you on premiums. Income protection does work out to be at 90% of our insurance cost. So\n\nChannel 1: Yeah.\n\nChannel 0: by increasing life and CBD and decreasing your income protection, you do actually save a bit on premiums, which is really good.\n\nChannel 1: Yep.\n\nChannel 0: The reason is such a higher cost is it is always the first thing we claim on. Generally, when we look at insurances, we start by claiming on trauma and or income protection. And then if we still can't buy back to work, then we look at TBD. And then if we pass away from that, we it becomes a life insurance claim. So that's\n\nChannel 1: Yeah.\n\nChannel 0: why income protection is the most readily one paid out. It is the biggest one, most one claimed on, and it's the highest cost to be covered. The downside to income protection is that it doesn't actually cover a 100% of that income. It's designed to give us a base level of cover to cover basic living expenses, and so they only let us cover up to 70 of your income. And that is so that we it is designed to make us wanna go back to work because we need more money to to cover our bills and to live our life.\n\nSo the theory is that if we could cover a 100% of our income with protection, we'd all go on claim and never wanna go back because why would you? You you you got all your money coming in the same rate.\n\nChannel 1: Yeah.\n\nChannel 0: With a nine with a ninety day waiting period, it does mean you have to be off work off work for ninety days prior to making a claim.\n\nChannel 1: Yeah.\n\nChannel 0: And with a five year benefit period, you can be on a claim for up to five years. I like a five year benefit period. It's kind of a happy medium. I always think two years is a little bit low just because if something happens significantly, you were off work for that two years. At that two year mark, the claim discontinues, whereas having that five year benefit period, if you get to two years or three years and you're still only working or you can go back to work, but you go back to work maybe one or two or three days away, you can access a partial claim as well.\n\nChannel 1: Yes. Yep.\n\nChannel 0: So I I like a five year benefit period. It gives you both the full and partial claim option\n\nChannel 1: Yep.\n\nChannel 0: and kind of the happy medium in the way of premiums as well. Okay?\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Beautiful. In all of these sections, I have outlined the best interest duty, which essentially outlines the recommendation and how it's in line with your goals and under best interest for you. So I relate all that back to make it nice and easy. You're welcome to have a really good read through those sections as well.\n\nChannel 1: Cool. Yep.\n\nChannel 0: And then I've also considered any alternatives, and, you know, we've looked at obviously, in the appendix, I've also got the alternative. Because your needs analysis technically came out to 917,000, we've increased it to a million dollars because we get discounts for every 250,000. So to\n\nChannel 1: Yep.\n\nChannel 0: give you an extra $83,000 of cover between that $9.01 7 to the million, it was only gonna cost a $113 more. So we figured\n\nChannel 1: Yeah.\n\nChannel 0: a $113 for the year to give you an extra $83,000 of life and TBD. It just felt like the right thing to do. So\n\nChannel 1: Yep. That's good.\n\nChannel 0: give you a bit more benefit. Yeah. Other than that, the only other recommendation here is to make sure you know, you mentioned to me you did have a will. I have made a recommendation just to update and yeah. Have your review your will review by us listed and update.\n\nI do make that a fairly standard recommendation, just making sure that we have that at the forefront of our minds. So making sure that we have it listed to review, make sure our will is up to date, and\n\nChannel 1: Yep.\n\nChannel 0: when it becomes invalid or needs to be updated. Generally speaking, a will should be updated around every three to five years depending on changes in our life and our circumstances.\n\nChannel 1: Yep.\n\nChannel 0: And having it reviewed by a legal professional or a solicitor is important to make sure that it's always working. To the best, wills are fantastic because, essentially, making sure that you can set up trust and have things requested to different people. You know, you can have things sent off to, you know, your family members, your friends, your colleague from ten years ago, or you can have things\n\nChannel 1: Yep.\n\nChannel 0: I've got a client who basically doesn't have anyone they wanna leave anything to. So everything is going up to different charities, and I've met a lot of them over the past couple of years. So it gives you a lot more control and access as to who you want money to be handed to. So I\n\nChannel 1: Yep.\n\nChannel 0: have just made a standard recommendation to review your will. Also, have a power of attorney established if you haven't yet got one, making sure those power of attorneys are up to date and that you do have someone that you trust to make those decisions in the event that you're incapacitated or unable to make decisions for yourself is really important.\n\nChannel 1: Yep.\n\nChannel 0: And I believe your beneficiaries were all fine and up to date, so there's no real changes to be made to your beneficiaries there. But I have just made a recommendation that I'll make sure that you do have it noted to your wife and that they are binding non lapsing beneficiary nominations. So I'll go back and make sure that everything is up to date and that we update those nominations if they're not binding non lapsing and make sure it's all nominated a 100% to your wife as well to cover all your bases. Okay.\n\nChannel 1: Cool. Yep.\n\nChannel 0: Yeah. Do you have any questions at all?\n\nChannel 1: No. Look. I'm a I'm a pretty simple fella.\n\nChannel 0: Yeah.\n\nChannel 1: You know? So far, you haven't said anything I haven't understood. And\n\nChannel 0: Oh, good.\n\nChannel 1: and like I said, everything I'm sort of reading as you're going through is clear and,\n\nChannel 0: Yeah.\n\nChannel 1: you know,\n\nChannel 0: Perfect.\n\nChannel 1: I I understand where it's at. And\n\nChannel 0: Yeah.\n\nChannel 1: I I like look. You guys have been really great. I I can remember when you guys I don't know whoever rang me, but how and how long ago it was when he rang. Someone rang me up and said, hey. We're finance company and rah rah.\n\nChannel 0: Yeah.\n\nChannel 1: Financial company. And I went, yeah. Right. Good. Great.\n\nYep. Thanks. See you. And wasn't really interested. And twelve months later, they rang again, and I went, these guys kinda sound like they might be legit.\n\nI think I better talk\n\nChannel 0: Yeah.\n\nChannel 1: to them.\n\nChannel 0: Yeah.\n\nChannel 1: So he's been great. Yeah.\n\nChannel 0: Aw. That's\n\nChannel 1: I actually\n\nChannel 0: fantastic.\n\nChannel 1: wanna get my wife underneath you guys as well. She's not quite ready,\n\nChannel 0: Yeah.\n\nChannel 1: she says, but\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: okay.\n\nChannel 1: I'm I need her under you guys, I think. She's got she's fifteen years younger than me, so she's got a bit longer to go. But\n\nChannel 0: Yeah.\n\nChannel 1: I think once she sees how regular I talk to you guys and so forth,\n\nChannel 0: Yeah.\n\nChannel 1: she'll she'll get the idea that it's a good idea.\n\nChannel 0: Absolutely. No. That's really perfect. When and if she is ready, I'm a big believer in not pushing anyone to do anything when\n\nChannel 1: Yeah.\n\nChannel 0: they're\n\nChannel 1: Yeah.\n\nChannel 0: until they\n\nChannel 1: Yeah.\n\nChannel 0: are ready\n\nChannel 1: I don't\n\nChannel 0: to do so because it makes it\n\nChannel 1: yep.\n\nChannel 0: easy. Yeah. So when she\n\nChannel 1: Yeah.\n\nChannel 0: is ready, even if she just wants to have a general conversation about what advice is, how it works, I'm absolutely\n\nChannel 1: Yeah.\n\nChannel 0: happy to make that time that suits. And down the track, the one thing I do like about in encouraging her to come on board down the track is that when you get close to accessing super, we can do a really good joint advice document that looks at what you've both got individually, how we make\n\nChannel 1: Yeah.\n\nChannel 0: this work, how the drawdowns look, you know, accessing with if she still wants to work, how that kinda coincides with her income, you know, drawing some out of super, then accessing super and sheltering money so we can get age pension and things like that for you guys. So\n\nChannel 1: Yep.\n\nChannel 0: there's some really cool strategies that we can sort of look at from 60 onwards that benefit both of you. So when\n\nChannel 1: Yep.\n\nChannel 0: an issue is absolutely ready, I'm more than happy to have that conversation. But, yeah, when she's ready, it'll be fantastic. There's some cool things we can do down the track here. I'm really excited to help you along. So\n\nChannel 1: That'll\n\nChannel 0: yeah.\n\nChannel 1: be great. Cool.\n\nChannel 0: All good. The only other thing I do have to let you know about is when we do look at insurances and increase the insurance application, we do note the remuneration side of things. So you obviously, all our advisers provide a fully complimentary to yourself. If you're an ongoing client, you pay that 1.65% per annum. However,\n\nChannel 1: Yep.\n\nChannel 0: when we do recommend insurances, because we are increasing the life and TBD there, MetLife as the insurer do pay us remuneration. So we receive 66% of the first year's premiums on the increase, which is estimated to be $94.\n\nChannel 1: Yep.\n\nChannel 0: And then we still do receive 22% of the premiums ongoing. So it's paid by MetLife to us, not by you in any way. But we like to be open and honest and disclose any remuneration that we do receive there for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Cool. Not a problem.\n\nChannel 0: Yeah. Perfect. Perfect. Well, I will let you go to have a really good read of the document there. If you finally have any questions, let me know.\n\nIn my world, there is no such thing as a silly question. If there's something that you wanna know, you're welcome to ask it.\n\nChannel 1: Yep.\n\nChannel 0: And moving forward, I do wanna make sure we do, obviously, catch up with you on a regular basis. So how often would you like to see a catch up done through the year?\n\nChannel 1: Look. I think at this stage, probably six monthly just to\n\nChannel 0: Yep.\n\nChannel 1: touch base\n\nChannel 0: Perfect.\n\nChannel 1: and go, are you happy? That sort of thing.\n\nChannel 0: Yep.\n\nChannel 1: And obviously, as I get closer to that retirement age when I'm probably, say, 56, 57, I might wanna touch base with you about every three months\n\nChannel 0: Yep.\n\nChannel 1: and just\n\nChannel 0: Perfect.\n\nChannel 1: go, yep. It's still heading the right way. We're still doing the right thing. And then obviously,\n\nChannel 0: Yep.\n\nChannel 1: as I hit 60, yeah, we'll discuss things a lot further then.\n\nChannel 0: Yep. Absolutely. Perfect. So I'll do it six months even now, and then we can keep updating things along the way.\n\nChannel 1: Yep.\n\nChannel 0: Once you're had a bit of a look through everything and I've got you'll probably see a lot of attachments on that email as well. I've attached all the product disclosure statements,\n\nChannel 1: Did\n\nChannel 0: the updated\n\nChannel 1: say that.\n\nChannel 0: military super balances. I've also got the financial services guide in there for you.\n\nChannel 1: Yep.\n\nChannel 0: So, you know, feel free to have a look through any of those documents. Let me know if there's any additional questions there. I like to make sure you've got as much information. Not everyone wants to read it, but it's all there for you in the event that you are wanting to run your eyes over there.\n\nChannel 1: Yep.\n\nChannel 0: And,\n\nChannel 1: Yep.\n\nChannel 0: yeah, if you're happy with everything, we'll get you to sign and return the document back. We'll start by implementing the change to your investment switch, and then\n\nChannel 1: Yep.\n\nChannel 0: we'll get you booked in with my colleague, Jack, there, and he'll do the increase application and decrease your income protection for you, and we'll get that sorted nice and quickly. Okay?\n\nChannel 1: That would be lovely.\n\nChannel 0: Beautiful. Fantastic. The only thing I'm probably gonna ask and, look, you don't have to by any means, but as a small growing business and as an adviser, it's really important for word-of-mouth out there. My colleague, Michelle, will probably just follow-up with a little bit of a message today. She sends out just a link to the Google review site.\n\nSo if\n\nChannel 1: Yes.\n\nChannel 0: you feel comfortable\n\nChannel 1: Yep.\n\nChannel 0: to do so, if you could leave me a little review, that'd be amazing, or just for the company. It doesn't have to name me if you don't want to. But it's just, like, one of those things we are growing. Word-of-mouth is really important, and, Minh, as I wanna help as many people as I possibly can.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah. Not\n\nChannel 0: if you're\n\nChannel 1: not\n\nChannel 0: open\n\nChannel 1: a problem.\n\nChannel 0: to doing so, Michelle will pop that out there. And, yeah, if you have any questions, it doesn't matter what it is, let me know. I'll make sure you get booked in for that six monthly catch up. And in the meantime, if there's anything additional, you get nervous at the market or if any questions pop up or if you want any additional advice or just a general conversation, hit me up. I will always make time to book you in to make sure that I'm talking to you as you need it.\n\nOkay?\n\nChannel 1: Lovely. Appreciate that, Diana. Fantastic.\n\nChannel 0: Oh, not a problem. Thank you so much for the opportunity. I've loved putting this together for you. It's been a fantastic plan to put together. Really enjoyed the\n\nChannel 1: It\n\nChannel 0: research component.\n\nChannel 1: it's a\n\nChannel 0: So\n\nChannel 1: it's a great document by the look of it from what I'm reading.\n\nChannel 0: thank you.\n\nChannel 1: It's been great. Yeah. A lot of\n\nChannel 0: Fantastic.\n\nChannel 1: information and, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: lots for me\n\nChannel 0: It's\n\nChannel 1: to read,\n\nChannel 0: good.\n\nChannel 1: but I I really\n\nChannel 0: Yeah.\n\nChannel 1: like it.\n\nChannel 0: Beautiful. And there's so many more cool things that we can do moving forward to help you out. So this is just the start, just the beginning, and we'll keep working towards your goals. Yeah.\n\nChannel 1: Excellent. Thank you.\n\nChannel 0: My pleasure. I hope you have an amazing day. Hey. Thank you so much for your time.\n\nChannel 1: No worries. Thank you for the call, Diana.\n\nChannel 0: No worries. Enjoy your day, Chelsea. See\n\nChannel 1: See you. Bye.\n\nChannel 0: you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.3999999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.06536958366632462},{"text":"Hey.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.0900888815522194},{"text":"This is Dana from Open Financial.","start":2.96,"end":4.5,"sentiment":"neutral","sentiment_score":0.12192828829089801},{"text":"How are you this up this morning?","start":4.64,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21912475781781332}],"sentiment":"neutral","sentiment_score":0.16139343331257502,"channel":0,"num_words":15,"start":2.3999999,"end":6.2599998},{"sentences":[{"text":"Speaking.","start":6.3999996,"end":6.56,"sentiment":"neutral","sentiment_score":0.11160992830991744},{"text":"Yeah.","start":6.56,"end":6.96,"sentiment":"neutral","sentiment_score":0.2694467306137085},{"text":"Good.","start":6.96,"end":7.2799997,"sentiment":"positive","sentiment_score":0.47446408867836},{"text":"Yourself?","start":7.2799997,"end":7.7799997,"sentiment":"positive","sentiment_score":0.3787147402763366}],"sentiment":"neutral","sentiment_score":0.30855887196958065,"channel":1,"num_words":4,"start":6.3999996,"end":7.7799997},{"sentences":[{"text":"I'm very well.","start":8.16,"end":9.04,"sentiment":"positive","sentiment_score":0.6550055543581644},{"text":"Thank you.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.7130612134933472},{"text":"I had you booked in to go to your updated advice document.","start":9.5199995,"end":12.24,"sentiment":"positive","sentiment_score":0.3368301714460055},{"text":"Is now a good time there 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well.","start":484.80002,"end":492.325,"sentiment":"neutral","sentiment_score":0.27476419508457184},{"text":"They've kinda prepared quite well for what's going on.","start":492.325,"end":494.40503,"sentiment":"positive","sentiment_score":0.34913024140728843},{"text":"And over the last couple of years in general, with China not kinda coming to the party and doing things right, there's a lot of movement away from China and into the Japanese economy.","start":494.40503,"end":504.18503,"sentiment":"neutral","sentiment_score":-0.12680426952155197}],"sentiment":"neutral","sentiment_score":0.07874610647559166,"channel":0,"num_words":81,"start":478.0,"end":504.18503},{"sentences":[{"text":"So we wanted to kinda take advantage of that and just have about 5% invested there for 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as well to make it nice and easy for you.","start":632.045,"end":640.305,"sentiment":"neutral","sentiment_score":0.05972869216930121},{"text":"Okay?","start":640.365,"end":640.865,"sentiment":"neutral","sentiment_score":0.0469285249710083}],"sentiment":"neutral","sentiment_score":0.07372491313860967,"channel":0,"num_words":65,"start":621.85,"end":640.865},{"sentences":[{"text":"Yeah.","start":640.71,"end":641.21,"sentiment":"neutral","sentiment_score":0.06749000400304794}],"sentiment":"neutral","sentiment_score":0.06749000400304794,"channel":1,"num_words":1,"start":640.71,"end":641.21},{"sentences":[{"text":"Having US and Australian exposure separately is really important.","start":642.27,"end":646.05,"sentiment":"neutral","sentiment_score":0.05123105231258604},{"text":"It has been a bit up and down recently, but we are seeing really good returns.","start":646.43,"end":650.51,"sentiment":"neutral","sentiment_score":0.17011324292980134},{"text":"And even having a look at, you know, the 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worthwhile.","start":1211.7101,"end":1226.855,"sentiment":"neutral","sentiment_score":0.16644354092960173}],"sentiment":"neutral","sentiment_score":0.16644354092960173,"channel":0,"num_words":52,"start":1211.7101,"end":1226.855},{"sentences":[{"text":"Yeah.","start":1227.86,"end":1228.36,"sentiment":"neutral","sentiment_score":0.07774120569229126}],"sentiment":"neutral","sentiment_score":0.07774120569229126,"channel":1,"num_words":1,"start":1227.86,"end":1228.36},{"sentences":[{"text":"But I'm actually recommending you maybe hold that benefit until age 60, and that is because there are different tax consequences for doing 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59, you're able to access the employer part only as either a lump sum or an income stream.","start":1236.52,"end":1246.1749,"sentiment":"neutral","sentiment_score":0.04481232911348343}],"sentiment":"neutral","sentiment_score":0.04481232911348343,"channel":0,"num_words":24,"start":1236.52,"end":1246.1749},{"sentences":[{"text":"Yep.","start":1246.895,"end":1247.395,"sentiment":"neutral","sentiment_score":0.06136278808116913}],"sentiment":"neutral","sentiment_score":0.06136278808116913,"channel":1,"num_words":1,"start":1246.895,"end":1247.395},{"sentences":[{"text":"If you're 60, there are different tax consequences for accessing it.","start":1246.955,"end":1251.915,"sentiment":"neutral","sentiment_score":-0.031800744039091194},{"text":"Essentially, if you take it as a lump sum benefit, you pay a tax.","start":1251.915,"end":1258.48,"sentiment":"neutral","sentiment_score":0.020182550651952624},{"text":"It's if you take it as an income stream, it's your marginal tax 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need be, but I've also got an alternative for you as well.","start":1758.7949,"end":1763.355,"sentiment":"neutral","sentiment_score":0.17946995256675613},{"text":"So","start":1763.355,"end":1763.855,"sentiment":"neutral","sentiment_score":0.02213132381439209}],"sentiment":"neutral","sentiment_score":0.1711889721061054,"channel":0,"num_words":19,"start":1758.7949,"end":1763.855},{"sentences":[{"text":"Yeah.","start":1763.995,"end":1764.495,"sentiment":"neutral","sentiment_score":0.02346601150929928}],"sentiment":"neutral","sentiment_score":0.02346601150929928,"channel":1,"num_words":1,"start":1763.995,"end":1764.495},{"sentences":[{"text":"at the moment, you're paying so at the moment, out of your super, you're paying it's about it's been over 9,000 on a yearly basis there.","start":1764.36,"end":1773.08,"sentiment":"neutral","sentiment_score":-0.08666981398486175},{"text":"It's about 8,389 that you pay out of super for your insurances for this 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the way taxation works inside super, contribution to tax the 15% with the way the money doesn't leave the super system, you actually get a 15% rebate on the premium coming out of super.","start":1856.85,"end":1870.005,"sentiment":"neutral","sentiment_score":0.23838791506631032},{"text":"So that's","start":1870.305,"end":1870.625,"sentiment":"positive","sentiment_score":0.3491666316986084}],"sentiment":"neutral","sentiment_score":0.24437595380319133,"channel":0,"num_words":37,"start":1856.85,"end":1870.625},{"sentences":[{"text":"Yep.","start":1870.5851,"end":1871.0851,"sentiment":"positive","sentiment_score":0.41267961263656616}],"sentiment":"positive","sentiment_score":0.41267961263656616,"channel":1,"num_words":1,"start":1870.5851,"end":1871.0851},{"sentences":[{"text":"why it actually gives you a bit of a 15% discount, and you pay less inside super for your premium than what the insurer actually receives on the other end, if that makes 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quickly.","start":2812.735,"end":2823.54,"sentiment":"neutral","sentiment_score":0.24998377455819037},{"text":"Okay?","start":2823.84,"end":2824.34,"sentiment":"neutral","sentiment_score":0.31416159868240356}],"sentiment":"neutral","sentiment_score":0.25198933156207204,"channel":0,"num_words":32,"start":2812.735,"end":2824.34},{"sentences":[{"text":"That would be lovely.","start":2824.34,"end":2825.4,"sentiment":"positive","sentiment_score":0.7287790477275848}],"sentiment":"positive","sentiment_score":0.7287790477275848,"channel":1,"num_words":4,"start":2824.34,"end":2825.4},{"sentences":[{"text":"Beautiful.","start":2826.1602,"end":2826.6602,"sentiment":"positive","sentiment_score":0.7772477865219116},{"text":"Fantastic.","start":2827.12,"end":2827.62,"sentiment":"positive","sentiment_score":0.7348324060440063},{"text":"The only thing I'm probably gonna ask and, look, you don't have to by any means, but as a small growing business and as an adviser, it's really important for word-of-mouth out there.","start":2828.6401,"end":2836.895,"sentiment":"neutral","sentiment_score":0.15802895198717262},{"text":"My colleague, Michelle, will probably just follow-up with a little bit of a message today.","start":2837.435,"end":2841.195,"sentiment":"neutral","sentiment_score":0.1382619912425677},{"text":"She sends out just a link to the Google review site.","start":2841.195,"end":2844.97,"sentiment":"neutral","sentiment_score":0.1450063640421087}],"sentiment":"neutral","sentiment_score":0.17042681116793976,"channel":0,"num_words":61,"start":2826.1602,"end":2844.97},{"sentences":[{"text":"So 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could leave me a little review, that'd be amazing, or just for the company.","start":2846.41,"end":2850.17,"sentiment":"positive","sentiment_score":0.35581187354890925},{"text":"It doesn't have to name me if you don't want to.","start":2850.17,"end":2852.2698,"sentiment":"neutral","sentiment_score":0.08283330364660783},{"text":"But it's just, like, one of those things we are growing.","start":2852.73,"end":2854.97,"sentiment":"neutral","sentiment_score":0.15755633992904966},{"text":"Word-of-mouth is really important, and, Minh, as I wanna help as many people as I possibly 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so, Michelle will pop that out there.","start":2861.815,"end":2864.855,"sentiment":"neutral","sentiment_score":0.13905363157391548},{"text":"And, yeah, if you have any questions, it doesn't matter what it is, let me know.","start":2864.855,"end":2869.355,"sentiment":"neutral","sentiment_score":0.14652832504361868},{"text":"I'll make sure you get booked in for that six monthly catch up.","start":2869.52,"end":2872.48,"sentiment":"neutral","sentiment_score":0.22280071217280167},{"text":"And in the meantime, if there's anything additional, you get nervous at the market or if any questions pop up or if you want any additional advice or just a general conversation, hit me up.","start":2872.48,"end":2883.0251,"sentiment":"neutral","sentiment_score":0.08119508549571038},{"text":"I will always make time to book you in to make sure that I'm talking to you as you need 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day, Chelsea.","start":2928.103,"end":2929.303,"sentiment":"positive","sentiment_score":0.5284338817000389},{"text":"See","start":2929.303,"end":2929.803,"sentiment":"neutral","sentiment_score":0.26092368364334106}],"sentiment":"positive","sentiment_score":0.4178749514477594,"channel":0,"num_words":7,"start":2927.463,"end":2929.803},{"sentences":[{"text":"See you.","start":2930.015,"end":2930.4949,"sentiment":"neutral","sentiment_score":0.32504524290561676},{"text":"Bye.","start":2930.4949,"end":2930.9949,"sentiment":"neutral","sentiment_score":0.17469917237758636}],"sentiment":"neutral","sentiment_score":0.27492988606293994,"channel":1,"num_words":3,"start":2930.015,"end":2930.9949},{"sentences":[{"text":"you later.","start":2931.303,"end":2931.703,"sentiment":"neutral","sentiment_score":0.1946565881371498},{"text":"Bye.","start":2931.703,"end":2932.203,"sentiment":"neutral","sentiment_score":-0.0577063225209713}],"sentiment":"neutral","sentiment_score":0.11053561791777611,"channel":0,"num_words":3,"start":2931.303,"end":2932.203}]},"summary":{"result":"success","short":" Open Financial provides retirement planning and personal investment recommendations, including reducing risk levels, investing in various areas, and maintaining a low risk portfolio. They emphasize the importance of monitoring the market and taking advantage of ups and downs, as well as reducing cash balances and reducing risk levels in growth portfolios. The speaker recommends holding the military super program until age 55 to avoid tax consequences and recommends updating a will and reviewing power of attorney to ensure proper beneficiary allocations. They also emphasize the importance of updating beneficiaries and offer follow-up advice and guidance on insurance policy."},"intents":{"segments":[{"text":"Just while that is coming through there for you, Heath, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Certainly am. Fantastic.","start_word":77,"end_word":113,"intents":[{"intent":"Explain process","confidence_score":0.005013383}]},{"text":"to confirm your full name, your date of birth, and address I should have on file. Yeah.","start_word":138,"end_word":154,"intents":[{"intent":"Confirm identity","confidence_score":0.0072386907},{"intent":"Confirm information","confidence_score":0.056148447}]},{"text":"Well, what I'll do is I'll jump in and go through a sense of the recommendations there. I will direct you to a couple of pages to sorta hit the points that I need to hit for you, but Yep. then we you can go back and have a really good review of that afterwards. Okay? Yeah. Cool.","start_word":209,"end_word":266,"intents":[{"intent":"Provide guidance","confidence_score":0.16542669}]},{"text":"So with this one here, now the document has been prepared as of the 05/06/2026, has been prepared by myself, Dana Taylor, and my team. My license number is 1304394, and the advice is provided under best interest for you so it's here to meet your goals. Okay? Yep.","start_word":270,"end_word":318,"intents":[{"intent":"Provide advice","confidence_score":0.056688663}]},{"text":"With the areas that that we are providing you advice on, we've got areas of superannuation. So one of the things was you're looking to hopefully retire around it at the age of 60, the possibility to keep working if you do too longer.","start_word":321,"end_word":364,"intents":[{"intent":"End call","confidence_score":0.029040743}]},{"text":"You also wanted to look at what to do with your military super, so I've done a really good amount of research on that for you.","start_word":366,"end_word":391,"intents":[{"intent":"Evaluate military super","confidence_score":0.095045984}]},{"text":"You also wanted to look at what to do with your military super, so I've done a really good amount of research on that for you. And then also being able to draw income of around about 50 to 60,000 in retirement from 60 onwards if you choose to retire at 60. It was kind of I wanna retire at 60, but with the option to work longer if you if you would wanted to down the track. Okay?","start_word":366,"end_word":444,"intents":[{"intent":"Review income plans","confidence_score":0.0005397557}]},{"text":"With the estate planning side of things, just making sure that beneficiaries are in line and nominated correctly to make sure that in the event of you passing, that your partner is able to or your wife is able to receive the benefit there.","start_word":547,"end_word":590,"intents":[{"intent":"Review estate planning","confidence_score":0.32081255}]},{"text":"And then scoping out areas of cash flow and savings and also a personal investment that you wanted to possibly buy.","start_word":656,"end_word":676,"intents":[{"intent":"Suggest personal investment","confidence_score":0.078588404},{"intent":"Discuss cash flow and savings","confidence_score":0.075376265}]},{"text":"way it goes. Yep.","start_word":715,"end_word":718,"intents":[{"intent":"Confirm understanding of funding","confidence_score":3.0082757e-7}]},{"text":"Now with this one here, we are recommending that we do retain your hub 24 and your military super exactly as they are. Military Cool.","start_word":880,"end_word":904,"intents":[{"intent":"Recommend retaining super and maintain yep super","confidence_score":0.000004655913}]},{"text":"twenty four, we are recommending that we do alter the investments that you do have.","start_word":936,"end_word":950,"intents":[{"intent":"Recommend modifying investments","confidence_score":0.12700674}]},{"text":"The bank hybrids, they are being phased out as an investment vehicle over the next couple of years.","start_word":1065,"end_word":1082,"intents":[{"intent":"Explain potential future use of bank hybrids as investment vehicle","confidence_score":1.714409e-7}]},{"text":"The bank hybrids, they are being phased out as an investment vehicle over the next couple of years. So we figured both we are making these changes. We may as well look at selling that and replacing the investment.","start_word":1065,"end_word":1103,"intents":[{"intent":"Recommend selling bank hybrids","confidence_score":0.1374462},{"intent":"Mention upgrading investment vehicle","confidence_score":0.00003364346}]},{"text":"are looking to remove and replace that as well. Physical Gold has been doing really well is doing really well, but you are a little bit over exposed at the moment. So we are just rebalancing that back from the 11.68 to about 10%. So by Cool.","start_word":1178,"end_word":1224,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.561871},{"intent":"Rebalance portfolio","confidence_score":0.44017878},{"intent":"Rebalancing portfolio","confidence_score":0.17946023}]},{"text":"And then we've got the S and P 500 again. Not selling all of it, just rebalancing back to 30%.","start_word":1297,"end_word":1316,"intents":[{"intent":"Buy securities","confidence_score":0.000009295245}]},{"text":"the things that I like about the a 200 as well as the S and P 500 is that you're tracking the top 200 companies on the ASX.","start_word":1921,"end_word":1948,"intents":[{"intent":"Track indices and companies","confidence_score":0.0039654975}]},{"text":"why altering your portfolio now is a really good thing to do. We take advantage of the ups and downs that we are seeing. Buy in when the prices are discounted at a downtime. And, obviously, we get a little bit less when the market is higher, but we also get those gains as the market comes out and recovers as well. So Yeah.","start_word":2363,"end_word":2426,"intents":[{"intent":"Share portfolio updates","confidence_score":0.0037300433}]},{"text":"Essentially, you don't get any real rates of returns from cash, so it is really important to just have the minimum amount of cash in there. Yep. Okay.","start_word":2713,"end_word":2740,"intents":[{"intent":"Calculate rate of return","confidence_score":0.000005200026}]},{"text":"Because when I check my balance for my super and stuff, it says about, I think it was 504 the other day or something like that. So what's what's that?","start_word":2772,"end_word":2801,"intents":[{"intent":"Recount balance","confidence_score":0.016660877},{"intent":"Analyze balance","confidence_score":0.012499473}]},{"text":"other reason we are looking at rebalancing a lot of these as well as moving is that you're in a growth portfolio. You should be in a growth that growth environment. We sort of talked a little bit about the risk profile questionnaire and how a growth portfolio generally fits. Yep.","start_word":2969,"end_word":3019,"intents":[{"intent":"Rebalancing balance","confidence_score":0.003867023},{"intent":"Discuss growth portfolio","confidence_score":0.027857887},{"intent":"Rebalance assets","confidence_score":0.0020447508}]},{"text":"So what we are looking to do by making these changes is to reduce your risk level a little bit in the market.","start_word":3077,"end_word":3099,"intents":[{"intent":"Reduce risk level","confidence_score":0.7387003},{"intent":"Reduce risk level","confidence_score":0.6419288},{"intent":"Reduce risk level","confidence_score":0.1532271}]},{"text":"So once they complete the changes there, your portfolio should see about 86% in growth investments and 14 Yep. percent in defensive lower risk investments. So Yeah.","start_word":3100,"end_word":3126,"intents":[{"intent":"Improve portfolio performance","confidence_score":0.0051650107}]},{"text":"reducing the risk in the market a little bit, increasing some of those defensive investments, but we also wanna make sure the returns are occurring as well. And that's where kind of the next page comes into consideration, and this is the big comparison table. Yep.","start_word":3129,"end_word":3174,"intents":[{"intent":"Monitor returns","confidence_score":0.0008621687}]},{"text":"In saying that, you also reduced your investment fees. So by making the switch by moving into some of the cheaper investments, reducing your risk level, And the investment phase, essentially, we can show you save about $1,360 on investment fees. So the reason Who?","start_word":3312,"end_word":3356,"intents":[{"intent":"Reduce investment fees","confidence_score":0.35513413}]},{"text":"So you can Yep. be moving into a portfolio that's lower risk, saves you on fees, but has also shown greater past performance, which, moving forward, could provide you with a greater future performance as well depending on market conditions. Does that make sense?","start_word":3509,"end_word":3552,"intents":[{"intent":"Advising on portfolio performance","confidence_score":0.0000054400034}]},{"text":"be moving into a portfolio that's lower risk, saves you on fees, but has also shown greater past performance, which, moving forward, could provide you with a greater future performance as well depending on market conditions. Does that make sense?","start_word":3513,"end_word":3552,"intents":[{"intent":"Expressing desire for better performance","confidence_score":0.00004547271},{"intent":"Discussing future performance","confidence_score":0.00042328372}]},{"text":"With the insurance premiums, I have made a little bit of a recommendation on off who knows for you, and I've got an alternative for you to consider as well, and I'll go Yep. through that shortly with you. Okay? Could I?","start_word":3601,"end_word":3642,"intents":[{"intent":"Sharing recommendation on alternative","confidence_score":0.00023796533},{"intent":"Suggesting alternative","confidence_score":0.027855208}]},{"text":"I am gonna make a recommendation that we do retain military super exactly as it is for the time being.","start_word":3840,"end_word":3859,"intents":[{"intent":"Recommend keeping military super","confidence_score":0.04454975},{"intent":"Recommend holding military super until age 55","confidence_score":0.006549061}]},{"text":"I am gonna make a recommendation that we do retain military super exactly as it is for the time being. Yep.","start_word":3840,"end_word":3860,"intents":[{"intent":"Discuss holding military super","confidence_score":0.009742808}]},{"text":"But I'm actually recommending you maybe hold that benefit until age 60, and that is because there are different tax consequences for doing so.","start_word":4001,"end_word":4024,"intents":[{"intent":"Discuss tax consequences for holding military super","confidence_score":0.06871984},{"intent":"Discuss tax consequences for holding military super","confidence_score":0.07823099}]},{"text":"If you're 60, there are different tax consequences for accessing it. Essentially, if you take it as a lump sum benefit, you pay a tax. It's if you take it as an income stream, it's your marginal tax rate. Yep.","start_word":4053,"end_word":4092,"intents":[{"intent":"Provide tax on income stream","confidence_score":0.0000011931721}]},{"text":"We can look at the tax consequences and work out whether it's drawing it out better at 55 or whether we hold off until 60 to make sure you get the most out of the benefit Yeah.","start_word":4284,"end_word":4320,"intents":[{"intent":"Calculate tax consequences","confidence_score":0.116420075}]},{"text":"I promise you I'd do a good amount of research on your benefit, how much you had, Yeah. and what the Yeah. the advantages, disadvantages, and risks are. Yep.","start_word":4654,"end_word":4682,"intents":[{"intent":"Discuss benefits and disadvantages of strategies.","confidence_score":0.0000043412515}]},{"text":"I have got a on page number 30, there a bit of a and I did assure you with hub twenty four because we can't we don't know what will be interest rate that or the the index rate that the military sleeper increases by. It changes depending Yep.","start_word":4912,"end_word":4960,"intents":[{"intent":"Educate on inflation rates","confidence_score":0.0009844829}]},{"text":"So this sort of shows that whilst we're on a good track, longevity wise, we are a little bit off the mark there. Yep.","start_word":5372,"end_word":5395,"intents":[{"intent":"Evaluate longevity benefits","confidence_score":0.04139498}]},{"text":"So I'm recommending that we do increase your life and TBD to a million dollars even, but we're also gonna decrease your income protection benefit there.","start_word":5898,"end_word":5923,"intents":[{"intent":"Reduce income protection benefit","confidence_score":0.056328792}]},{"text":"And because it's it is still reducing the cost of your insurance premium, so the total premium of the $9,013.72, that's how much the insurer receives. What you actually pay is that $7.06 $6.02 per annum.","start_word":5980,"end_word":6015,"intents":[{"intent":"Decrease insurance premium","confidence_score":0.0004212369}]},{"text":"with the way taxation works inside super, contribution to tax the 15% with the way the money doesn't leave the super system, you actually get a 15% rebate on the premium coming out of super. So that's Yep. why it actually gives you a bit of a 15% discount, and you pay less inside super for your premium than what the insurer actually receives on the other end, if that makes sense. Yeah. Cool.","start_word":6021,"end_word":6094,"intents":[{"intent":"Explain taxation and discount benefits","confidence_score":0.012360366}]},{"text":"So when you pay for this inside of Super, you'll see at the top here, it's actually owned by the MetLife trustees. Yes.","start_word":6103,"end_word":6125,"intents":[{"intent":"Explain superfund ownership and ownership","confidence_score":0.031191753},{"intent":"Explain superfund ownership and payment system","confidence_score":0.000025761126}]},{"text":"And increasing your life and CBD does mean you have to go through an increased application.","start_word":6393,"end_word":6408,"intents":[{"intent":"Highlight maximum application","confidence_score":0.000001331044}]},{"text":"So they will underwrite the increase of the policy. At the Yep.","start_word":6410,"end_word":6421,"intents":[{"intent":"Underwrite policy increase","confidence_score":0.30157503}]},{"text":"So the other alternative is if you decided you didn't wanna go to the increased application, we could just look to decrease your life and TPD to cover the mortgage. And that would mean that if you were to pass away, your wife could receive a benefit to cover the mortgage amount, and then your super benefit and your defined benefit from military super gets paid to her as additional income or additional support on top of that. Yeah.","start_word":6530,"end_word":6608,"intents":[{"intent":"Obtain benefits to cover mortgage","confidence_score":0.0000017684062}]},{"text":"reduce the cost from what you are paying at the moment down to about 5,007. So it does reduce the cost a lot more significantly, which in the longer Yep. term does increase the overall projection when you kinda weigh it up with everything else.","start_word":6706,"end_word":6750,"intents":[{"intent":"Reduce cost","confidence_score":0.28179118}]},{"text":"So it's just about working out what's more comfortable for you.","start_word":6767,"end_word":6777,"intents":[{"intent":"Determine comfortable balance","confidence_score":0.0059166234}]},{"text":"Do you wanna go through the increase of the life and TPD as well as decrease the income protection, or would you rather just decrease the life and TPD and save a lot more in the way of insurance premium costs? Yeah.","start_word":6779,"end_word":6820,"intents":[{"intent":"Reduce premium costs","confidence_score":0.077239014}]},{"text":"Just reading it as you're talking through it, I'm happy with that our first recommendation of, you Yeah.","start_word":6837,"end_word":6854,"intents":[{"intent":"Review insurance recommendation","confidence_score":0.00611969}]},{"text":"I mean, it does save me money, but the plan is to look after the family if I was to be disappear Yeah.","start_word":6860,"end_word":6882,"intents":[{"intent":"Provide insurance savings for family if disappearance","confidence_score":9.460457e-9}]},{"text":"MetLife is a really great product to have. I've also got in there for you all the advantages, the disadvantages, and the risks involved. Yep.","start_word":6964,"end_word":6988,"intents":[{"intent":"Provide benefits for insurance premiums","confidence_score":0.0004537374}]},{"text":"MetLife gives you certain things like premium relief for unemployment. So if you become involuntarily unemployed, your premium to life and TVD can be put on or waived or put on hold for three months Yep.","start_word":6989,"end_word":7024,"intents":[{"intent":"Discuss insurance premium relief","confidence_score":0.0014784909}]},{"text":"These do also increase every year along with indexation, so it means that it keeps up with CPI, which is really important as well.","start_word":7087,"end_word":7110,"intents":[{"intent":"Maintain cpi","confidence_score":0.000049160077}]},{"text":"by increasing life and CBD and decreasing your income protection, you do actually save a bit on premiums, which is really good. Yep.","start_word":7214,"end_word":7236,"intents":[{"intent":"Educate on benefits","confidence_score":0.0033343995}]},{"text":"At that two year mark, the claim discontinues, whereas having that five year benefit period, if you get to two years or three years and you're still only working or you can go back to work, but you go back to work maybe one or two or three days away, you can access a partial claim as well.","start_word":7534,"end_word":7591,"intents":[{"intent":"Discuss benefits and options","confidence_score":0.008548507}]},{"text":"In all of these sections, I have outlined the best interest duty, which essentially outlines the recommendation and how it's in line with your goals and under best interest for you. So I relate all that back to make it nice and easy. You're welcome to have a really good read through those sections as well. Cool.","start_word":7630,"end_word":7686,"intents":[{"intent":"Discuss and review recommendations","confidence_score":0.00012835956}]},{"text":"And then I've also considered any alternatives, and, you know, we've looked at obviously, in the appendix, I've also got the alternative. Because your needs analysis technically came out to 917,000, we've increased it to a million dollars because we get discounts for every 250,000. So to Yep.","start_word":7688,"end_word":7735,"intents":[{"intent":"Discuss alternative benefits","confidence_score":0.002480352}]},{"text":"And having it reviewed by a legal professional or a solicitor is important to make sure that it's always working.","start_word":7915,"end_word":7934,"intents":[{"intent":"Review will","confidence_score":0.6724684}]},{"text":"Also, have a power of attorney established if you haven't yet got one, making sure those power of attorneys are up to date and that you do have someone that you trust to make those decisions in the event that you're incapacitated or unable to make decisions for yourself is really important. Yep.","start_word":8053,"end_word":8105,"intents":[{"intent":"Ensure power of attorney","confidence_score":0.018408678}]},{"text":"But I have just made a recommendation that I'll make sure that you do have it noted to your wife and that they are binding non lapsing beneficiary nominations. So I'll go back and make sure that everything is up to date and that we update those nominations if they're not binding non lapsing and make sure it's all nominated a 100% to your wife as well to cover all your bases. Okay. Cool.","start_word":8130,"end_word":8203,"intents":[{"intent":"Update nominations","confidence_score":0.2181477}]},{"text":"Do you have any questions at all? No. Look.","start_word":8206,"end_word":8214,"intents":[{"intent":"Address questions","confidence_score":0.13927081}]},{"text":"wanna get my wife underneath you guys as well.","start_word":8368,"end_word":8376,"intents":[{"intent":"Encourage wife's involvement in planning","confidence_score":0.00007946494}]},{"text":"When and if she is ready, I'm a big believer in not pushing anyone to do anything when Yeah.","start_word":8446,"end_word":8464,"intents":[{"intent":"Prevent future situations","confidence_score":0.0000023872708}]},{"text":"And down the track, the one thing I do like about in encouraging her to come on board down the track is that when you get close to accessing super, we can do a really good joint advice document that looks at what you've both got individually, how we make Yeah.","start_word":8517,"end_word":8567,"intents":[{"intent":"Encourage joint advice on accessing super","confidence_score":0.020596445}]},{"text":"an issue is absolutely ready, I'm more than happy to have that conversation. But, yeah, when she's ready, it'll be fantastic. There's some cool things we can do down the track here. I'm really excited to help you along. So That'll yeah.","start_word":8642,"end_word":8683,"intents":[{"intent":"Assist with issues","confidence_score":0.004768797}]},{"text":"when we do recommend insurances, because we are increasing the life and TBD there, MetLife as the insurer do pay us remuneration. So we receive 66% of the first year's premiums on the increase, which is estimated to be $94. Yep.","start_word":8746,"end_word":8786,"intents":[{"intent":"Provide remuneration","confidence_score":0.11189113},{"intent":"Recommend insurances","confidence_score":0.031024873}]},{"text":"Well, I will let you go to have a really good read of the document there. If you finally have any questions, let me know.","start_word":8840,"end_word":8864,"intents":[{"intent":"Provide documentation","confidence_score":0.0024895805}]},{"text":"And moving forward, I do wanna make sure we do, obviously, catch up with you on a regular basis. So how often would you like to see a catch up done through the year?","start_word":8890,"end_word":8923,"intents":[{"intent":"Request regular catch-up","confidence_score":0.001816338}]},{"text":"So I'll do it six months even now, and then we can keep updating things along the way.","start_word":9013,"end_word":9030,"intents":[{"intent":"Update plans","confidence_score":0.033299807}]}]},"sentiments":{"segments":[{"text":"Hi. Hey. This is Dana from Open Financial. How are you this up this morning? Speaking. Yeah.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.15851165354251862},{"text":"Good. Yourself? I'm very well. Thank you.","start_word":17,"end_word":23,"sentiment":"positive","sentiment_score":0.5783472061157227},{"text":"I had you booked in to go to your updated advice document. Is now a good time there for It you?","start_word":24,"end_word":44,"sentiment":"neutral","sentiment_score":0.2934339940547943},{"text":"certainly Fantastic. is.","start_word":45,"end_word":47,"sentiment":"positive","sentiment_score":0.5114543437957764},{"text":"I'm gonna send an email That'd to you just containing the documents be there.","start_word":48,"end_word":61,"sentiment":"neutral","sentiment_score":0.19507350027561188},{"text":"So I'll just get you to great. open that one when it comes through.","start_word":62,"end_word":75,"sentiment":"positive","sentiment_score":0.36549368500709534},{"text":"Yep. Just while that is coming through there for you, Heath, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Certainly am.","start_word":76,"end_word":112,"sentiment":"neutral","sentiment_score":0.15045946836471558},{"text":"Fantastic.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.5115571022033691},{"text":"And I'll just do security there with you as well just because we are discussing your personal information. So I'll just get you Yeah. to confirm your full name, your date of birth, and address I should have on file. Yeah. It's Heath Gail, fifty the eighth nineteen seventy two at Yep. 143 Tasman Street, Devonport, Tasmania.","start_word":114,"end_word":170,"sentiment":"neutral","sentiment_score":0.0971699208021164},{"text":"Beautiful. Thank you so much for that. Now this email, hopefully, should come through fairly quickly I've there already for got you.","start_word":171,"end_word":192,"sentiment":"positive","sentiment_score":0.4199759364128113},{"text":"it. Yeah. I'm already Oh, having you a have? quick look at it. Yep.","start_word":193,"end_word":206,"sentiment":"neutral","sentiment_score":0.052698202431201935},{"text":"Fantastic.","start_word":207,"end_word":207,"sentiment":"positive","sentiment_score":0.35262131690979004},{"text":"Lovely. Well, what I'll do is I'll jump in and go through a sense of the recommendations there. I will direct you to a couple of pages to sorta hit the points that I need to hit for you, but Yep. then we you can go back and have a really good review of that afterwards. Okay? Yeah. Cool. Perfect. All good. So with this one here, now the document has been prepared as of the 05/06/2026, has been prepared by myself, Dana Taylor, and my team. My license number is 1304394, and the advice is provided under best interest for you so it's here to meet your goals. Okay? Yep. Sounds good. With the areas that that we are providing you advice on, we've got areas of superannuation. So one of the things was you're looking to hopefully retire around it at the age of 60, the possibility to keep working if you do too longer.","start_word":208,"end_word":364,"sentiment":"neutral","sentiment_score":0.1374373435974121},{"text":"You also wanted to look at what to do with your military super, so I've done a really good amount of research on that for you.","start_word":365,"end_word":390,"sentiment":"positive","sentiment_score":0.37504711747169495},{"text":"And then also being able to draw income of around about 50 to 60,000 in retirement from 60 onwards if you choose to retire at 60. It was kind of I wanna retire at 60, but with the option to work longer if you if you would wanted to down the track. Okay? Yeah.","start_word":391,"end_word":444,"sentiment":"neutral","sentiment_score":0.17674924433231354},{"text":"Yeah. Beautiful.","start_word":445,"end_word":446,"sentiment":"positive","sentiment_score":0.5465975403785706},{"text":"With the insurance side of things, you do have some life and CBDs income protection. At the moment, we were reviewing that for you. Essentially, we wanted to make sure that in the event that you were passed away, that your wife is able to cover the mortgage and looking at six years of income replacement. So we've assessed your life and CPD to cover that for you. And Yep. then also just making sure that your income protection is in line with 70% of your income, which is a maximum that we can claim on income protection there. Yep. With the estate planning side of things, just making sure that beneficiaries are in line and nominated correctly to make sure that in the event of you passing, that your partner is able to or your wife is able to receive the benefit there. Because you are getting closer to retirement, I've limited scope in the retirement planning side of things. So looking at the recommendations that we're making now, and then looking at the next sort of five to ten years to sort of see where we're projected to go, and then we'll keep reviewing and updating that as we get closer to those years. Okay? Two.","start_word":447,"end_word":654,"sentiment":"neutral","sentiment_score":0.17208805680274963},{"text":"Excellent.","start_word":655,"end_word":655,"sentiment":"positive","sentiment_score":0.561552882194519},{"text":"And then scoping out areas of cash flow and savings and also a personal investment that you wanted to possibly buy. You actually bought an investment property now. I understand. That was one of your I goals heard. in the next five years. Yeah. That that came a bit earlier than I thought, but that's just That's the okay. way it goes. Yep. That's absolutely fine. It is scoped out. I'm not providing advice around investment property Yeah. side of things, but we can always look at how things are tracking and update advice on the track to reflect that for you. Okay?","start_word":656,"end_word":758,"sentiment":"neutral","sentiment_score":0.12242650240659714},{"text":"Cool. Beautiful.","start_word":759,"end_word":760,"sentiment":"positive","sentiment_score":0.5666440725326538},{"text":"Now to make things a bit easier, I'll let you go back and have a really good review of everything as we are after we go through the call, because it Yeah. is often a little bit harder to kinda look at all the pages and go through it. But what I'll get you to do to make it a bit easier is I will just get you to scroll, sorry, down to page number 26 for me. So I'll run through the start of the recommendations there with regard to your super and what we're recommending, Yes. and then I'll take you to the military super side of things. Yep. Okay? Okay. I'm on 20 Per six.","start_word":761,"end_word":878,"sentiment":"neutral","sentiment_score":0.11896496266126633},{"text":"perfect.","start_word":879,"end_word":879,"sentiment":"positive","sentiment_score":0.5866813063621521},{"text":"Now with this one here, we are recommending that we do retain your hub 24 and your military super exactly as they are. Military Cool. super, there's no real change to the investments there in any way because it's not invested as a normal refund is. But with normal refund is. But That's with one right. twenty four, we are recommending that we do alter the investments that you do have. So we did have a look at the way you were invested and with your Yep. goals and what your portfolio have been doing. And we have noted there's some areas that the portfolio could be doing better at. So I am Good. recommending that we do sell down all of the global battery lithium sector. It's a good investment, but we're gonna sort of look to cement the gains and move things elsewhere. It's also about Yep. reducing the risk level as well as we get closer to retiring. The Better Long Estate in equities has been underperforming, so we are removing and selling all of that investment out of there. Cool. Yep. The bank hybrids, they are being phased out as an investment vehicle over the next couple of years. So we figured both we are making these changes. We may as well look at selling that and replacing the investment. Both we are making the changes because Yep. in a couple of years down the track, we're gonna have to anyway. So so it's worth Right. doing it when you make big changes. Yep. We've also got the China new economy. There has not been a bad investment. China really hasn't kind of come up and being what they thought it was gonna be when we invested the funds in there. So we Yep. are looking to remove and replace that as well. Physical Gold has been doing really well is doing really well, but you are a little bit over exposed at the moment. So we are just rebalancing that back from the 11.68 to about 10%. So by Cool. no means that we're replacing it, still good to keep. We just Yep. wanna rebalance back a little bit as well. And Yep. then we've got the cybersecurity. It has taken a little bit of a battering this year, but it is still a good investment to hold. You do have about 5.64% at the moment, so we just wanna kind of rebalance that back a bit for you to 5%. Yep. And then we've got the S and P 500 again. Not selling all of it, just rebalancing back to 30%.","start_word":880,"end_word":1316,"sentiment":"neutral","sentiment_score":0.0420247198037752},{"text":"It is still a really good place to be.","start_word":1317,"end_word":1325,"sentiment":"positive","sentiment_score":0.6274299621582031},{"text":"I have had a lot of people asking me more about, you know, if it's still worth investing in The US. It absolutely is.","start_word":1326,"end_word":1349,"sentiment":"neutral","sentiment_score":0.1174374669790268},{"text":"Over the longer term, The US still provides great returns, and Yep.","start_word":1350,"end_word":1361,"sentiment":"positive","sentiment_score":0.3369221091270447},{"text":"Australia followed suit as well. It's just that what we're going through at the moment is a bit of a hiccup. We just need to kinda go through it, roll through it, and wait for us to come at the other side of what's going on at the moment. Yeah. Yep. So rebounding that back a little bit for you as well. And then with the Van Eck Australian property, again, we are just gonna remove that completely out of the portfolio and invest the funds in other ways. Yep. With the beta shares Rafi, so, essentially, we're gonna sell all of that. It is hasn't been a bad investment. It has done really well, but, again, I've sort Yep. of created a whole new portfolio for you to incorporate both mid and full cap areas within the Australian equities, Just making sure that we're considering your risk level and the returns to the portfolio. So we're gonna get rid of all of that as well. We are gonna Cool. buy into the iShares Europe. This is giving you exposure not to one or two companies in Europe, but all the European countries and all the large and mid cap, sorry, investments within Europe. I do apologize. Sorry for that. You alright? So giving you exposure to all the European countries there and also large and mid cap stocks within those European countries to giving you diversification. And Europe is still a very big growth area, especially with what's happening at the moment.","start_word":1362,"end_word":1614,"sentiment":"neutral","sentiment_score":0.07294397600908054},{"text":"Certain European countries are doing very, very well, and we wanna take advantage of those areas for you.","start_word":1615,"end_word":1632,"sentiment":"positive","sentiment_score":0.4452951848506927},{"text":"Two. We've got Japan. So Japan has been quite a bit of a growth area at the moment, especially with what's going on currently. Japan has looked after their sorry, has looked after their their citizens very, very well.","start_word":1633,"end_word":1671,"sentiment":"neutral","sentiment_score":0.1901078969240189},{"text":"They've kinda prepared quite well for what's going on.","start_word":1672,"end_word":1680,"sentiment":"positive","sentiment_score":0.3346412181854248},{"text":"And over the last couple of years in general, with China not kinda coming to the party and doing things right, there's a lot of movement away from China and into the Japanese economy. So we wanted to kinda take advantage of that and just have about 5% invested there for you. Yep. We've also got the all world Vanguard all world ex US. So this is investing in essentially globally the entire world, certain parts of it, but not The US. Nothing because we keep the S and P 500 above there for you. But, again, we're giving you diversification. So one of the biggest things about being able to reduce your risk level is that we make sure we're diversifying. We can never Yep. control a 100% of market risks, but one of the biggest things we can do is diversification. So spread your risk level over different areas, different economies, different countries, and different asset classes. And this is one of the ways of doing this.","start_word":1681,"end_word":1849,"sentiment":"neutral","sentiment_score":0.11217238008975984},{"text":"So keeping the Vanguard or World u ex US investment there, and I have seen some really good gains over the past couple of months, And it's diversifying, keeping your risk a little bit lower.","start_word":1850,"end_word":1884,"sentiment":"positive","sentiment_score":0.3578962981700897},{"text":"So keeping 8% invested there for you. Because we are selling off the then along Australian equities, it hasn't performed as well. We're putting the Australian equity portion into the BetaShares a 200. One of Yep.","start_word":1885,"end_word":1920,"sentiment":"neutral","sentiment_score":0.09278694995575482},{"text":"the things that I like about the a 200 as well as the S and P 500 is that you're tracking the top 200 companies on the ASX.","start_word":1921,"end_word":1948,"sentiment":"positive","sentiment_score":0.3444690406322479},{"text":"And with the S and P 500, you're tracking the top 500 companies in The US market. These are tracking certain indices. And, essentially, in order for companies to be within the indices and therefore in these investments, they have to meet a certain criteria. So the investment committee of the industries that these are tracking, they they meet every quarter. They check what companies are eligible to be within the indices, and if they're not eligible, they are removed and replaced with something else. So you can be mindful that you are always tracking the top 200 companies on the ASX with the BetaShares a 200. And same with Two. the S and P 500, you're always tracking the top 500 companies. So it's Yeah. a really good way of making sure that you're always tracking the top countries, the Sorry. Top companies even when some of those companies may be underperforming or not doing as well. If they don't meet the criteria to remain in the index, then they are removed and therefore removed out of these investments as well to make it nice and easy for you. Okay? Yeah. Having US and Australian exposure separately is really important. It has been a bit up and down recently, but we are seeing really good returns. And even having a look at, you know, the all odds, one of the things I like to look at is the all ordinaries that essentially chop track the top 80% of the market, and we use that as a baseline for what the entire market has been doing for the day. And even this morning, it started out up by over 1%, so it's a good sort of you know, we've had a lot of up up and downs, but today, We we're have seeing it.","start_word":1949,"end_word":2252,"sentiment":"neutral","sentiment_score":0.1268002837896347},{"text":"a bit of a positive sign.","start_word":2253,"end_word":2258,"sentiment":"positive","sentiment_score":0.49111345410346985},{"text":"Yeah. Yeah. Yeah.","start_word":2259,"end_word":2261,"sentiment":"neutral","sentiment_score":0.2377036064863205},{"text":"Of my own shares, I was on there looking at them this morning, and I was like, oh, good. They're up. It's a nice, nice sign.","start_word":2262,"end_word":2287,"sentiment":"positive","sentiment_score":0.4261504709720611},{"text":"I've been looking the ups and downs. We're going, wow. We've had some pretty heavy, you know, two, three, four, It has. 7% down, Yeah.","start_word":2288,"end_word":2312,"sentiment":"neutral","sentiment_score":0.14358599185943605},{"text":"but to see a bit of an up, we've also had really good gains that have kinda mitigated some of those short term losses.","start_word":2313,"end_word":2336,"sentiment":"positive","sentiment_score":0.438962996006012},{"text":"So it's Yeah. a little bit all over the place. We're just gonna kinda weather the storm and keep kinda going through it. But that's Yeah.","start_word":2337,"end_word":2362,"sentiment":"neutral","sentiment_score":0.22505274415016177},{"text":"why altering your portfolio now is a really good thing to do. We take advantage of the ups and downs that we are seeing.","start_word":2363,"end_word":2386,"sentiment":"positive","sentiment_score":0.4773976504802704},{"text":"Buy in when the prices are discounted at a downtime. And, obviously, we get a little bit less when the market is higher, but we also get those gains as the market comes out and recovers as well. So Yeah. yeah. And then because we are getting rid of the core composite so the bank hybrids, we're gonna move into the core composite bonds. Core composite bonds is giving you access to our government as well as corporate bonds. It also gives you access to diversified corporate bank notes and things like that as well as the bonds globally as well as corporate bank notes.","start_word":2387,"end_word":2491,"sentiment":"neutral","sentiment_score":0.24813523888587952},{"text":"So it is kinda giving you diversification in that defensive area.","start_word":2492,"end_word":2502,"sentiment":"positive","sentiment_score":0.36062726378440857},{"text":"Bonds are relatively lower risk.","start_word":2503,"end_word":2507,"sentiment":"neutral","sentiment_score":0.2952301502227783},{"text":"They do tend to get a lower rate of return, but having a good mix of growth investments as well as those bonds and fixed interest kinda helps to mitigate long term market volatility and has some low risk investments is also important Cool.","start_word":2508,"end_word":2551,"sentiment":"positive","sentiment_score":0.3778774440288544},{"text":"to have in your portfolio there as well. So that's Yep.","start_word":2552,"end_word":2562,"sentiment":"neutral","sentiment_score":0.28550928831100464},{"text":"a bit of a quick breakthrough of those ones.","start_word":2563,"end_word":2571,"sentiment":"positive","sentiment_score":0.3525145947933197},{"text":"Did you have any questions about the investments? I kinda keep it fairly brief going through the Yeah. changes, but you're welcome to ask me more if you want to delve deeper. No. No. Look. I'm I'm pretty happy. I'm not look. I'm not buffed on on a lot of stuff.","start_word":2572,"end_word":2622,"sentiment":"neutral","sentiment_score":0.07639797776937485},{"text":"But from what I can sort of see what you're doing visually and hearing you talk, I'm pretty happy with where that's going and what you're doing.","start_word":2623,"end_word":2649,"sentiment":"positive","sentiment_score":0.4351292848587036},{"text":"Yeah. So yeah.","start_word":2650,"end_word":2652,"sentiment":"neutral","sentiment_score":0.23295550048351288},{"text":"Perfect. Perfect.","start_word":2653,"end_word":2654,"sentiment":"positive","sentiment_score":0.5242952704429626},{"text":"Underneath that, you'll see the cash account. So we do need to keep 1.25% cap in the hub twenty four super account there. You have a little bit higher amount at the moment, so we're just Yep. gonna invest about $738 there into the investments above to make sure we reduce your cash balance down to the minimum. Essentially, you don't get any real rates of returns from cash, so it is really important to just have the minimum amount of cash in there. Yep. Okay. Yeah.","start_word":2655,"end_word":2741,"sentiment":"neutral","sentiment_score":0.024401666617941586},{"text":"Cool.","start_word":2742,"end_word":2742,"sentiment":"positive","sentiment_score":0.3549528121948242},{"text":"Yep.","start_word":2743,"end_word":2743,"sentiment":"neutral","sentiment_score":0.29741373658180237},{"text":"Excellent.","start_word":2744,"end_word":2744,"sentiment":"positive","sentiment_score":0.5095794796943665},{"text":"So just out Yes. of curiosity, Sorry. just Sure. at at the Yeah. total there where you've got $5.67 $1.46, Mhmm. what is that in reference to? Because when I check my balance for my super and stuff, it says about, I think it was 504 the other day or something like that. So what's what's that? Mhmm. So that is essentially looking at the target that we should oh, that's including your military super balance at the bottom. Right. Good. Yep. Yes. Sorry. Yep. No. That's I I okay. was like no. So good. So that takes into account the target balance that we should have in all of those individual investments. Yes. But at Yep. the very top of the moment, the updated balance you have in military super so we got a a I new saw statement that. through Yes. the other day. Yep. And so they're saying the updated balance is 74,076. So Yep. because we are retaining the military super, we are accounting for that balance, and that's giving Good.","start_word":2745,"end_word":2919,"sentiment":"neutral","sentiment_score":0.05556640774011612},{"text":"you Good.","start_word":2920,"end_word":2921,"sentiment":"positive","sentiment_score":0.3687142729759216},{"text":"a total across what's expected across both of those accounts for you. Yeah. Okay? No. That's fine. Just so long Yep. as I know, yeah, where that figure come Yeah. from. Absolutely. Not an issue at all. If you Cool. scroll down for me now the Yeah. other reason we are looking at rebalancing a lot of these as well as moving is that you're in a growth portfolio. You should be in a growth that growth environment. We sort of talked a little bit about the risk profile questionnaire and how a growth portfolio generally fits. Yep. At the moment, when you look at the way you are invested, your existing, you have about 93.01% in growth investments and about Yep. 6.99% in defensive investments. So at the moment, you're actually more of a high growth portfolio, which means you're taking on a bit more risk than where Yes. your comfort level was sitting. So what we are looking to do by making these changes is to reduce your risk level a little bit in the market.","start_word":2922,"end_word":3099,"sentiment":"neutral","sentiment_score":0.11505513579657908},{"text":"So once they complete the changes there, your portfolio should see about 86% in growth investments and 14 Yep.","start_word":3100,"end_word":3118,"sentiment":"positive","sentiment_score":0.39211174845695496},{"text":"percent in defensive lower risk investments.","start_word":3119,"end_word":3124,"sentiment":"neutral","sentiment_score":0.2806244492530823},{"text":"So Yeah. we're Cool. reducing the risk in the market a little bit, increasing some of those defensive investments, but we also wanna make sure the returns are occurring as well.","start_word":3125,"end_word":3155,"sentiment":"positive","sentiment_score":0.5467357039451599},{"text":"And that's where kind of the next page comes into consideration, and this is the big comparison table. Yep.","start_word":3156,"end_word":3174,"sentiment":"neutral","sentiment_score":0.2850268483161926},{"text":"So I like to make sure everyone is aware there are the advantages as well as the advantages and risks involved of every strategy and every decision we make.","start_word":3175,"end_word":3203,"sentiment":"positive","sentiment_score":0.4021761119365692},{"text":"When Yeah. we look at making those changes above, you can see we are buying and selling certain investments there. And your super fund, just like you do, does a tax return every year. So we do know that by making these changes, there are gonna be a CDT, so tax consequences your super fund has to take into account. And once they've kind of gone through and looked at it all back, the difference or the CDP consequence for changing this portfolio this way means that your super fund would account for about $3,274 in CDT. So they will pay that much in tax, essentially. Okay? Yep. In saying that, you also reduced your investment fees.","start_word":3204,"end_word":3320,"sentiment":"neutral","sentiment_score":0.12257681787014008},{"text":"So by making the switch by moving into some of the cheaper investments, reducing your risk level, And the investment phase, essentially, we can show you save about $1,360 on investment fees.","start_word":3321,"end_word":3352,"sentiment":"positive","sentiment_score":0.3460094630718231},{"text":"So the reason Who?","start_word":3353,"end_word":3356,"sentiment":"neutral","sentiment_score":0.22272157669067383},{"text":"I kind of looked at this as being a positive thing was, a, we're reducing the risk level, reducing investment fees, but there is a CGT consequence. So it actually works out that in approximately it's about two and a half to three years without any additional growth is where the investment fees would essentially make back that CGT consequence.","start_word":3357,"end_word":3416,"sentiment":"positive","sentiment_score":0.37257376313209534},{"text":"So Yep.","start_word":3417,"end_word":3418,"sentiment":"neutral","sentiment_score":0.1471986472606659},{"text":"it does work out to be in your benefit to do so.","start_word":3419,"end_word":3430,"sentiment":"positive","sentiment_score":0.48184916377067566},{"text":"In saying that, we want that CGT to be made back a lot faster. So we do look at the growth outcome. And on the bottom of that table, sorry, it shows you that the current portfolio you're in and the five year rolling average, this portfolio has averaged about 10.62%. By moving into this newer portfolio and reducing your risk level, you're saving on investment fees, but the five year rolling average has also been slightly higher. So you can Yep.","start_word":3431,"end_word":3512,"sentiment":"neutral","sentiment_score":0.2552318871021271},{"text":"be moving into a portfolio that's lower risk, saves you on fees, but has also shown greater past performance, which, moving forward, could provide you with a greater future performance as well depending on market conditions.","start_word":3513,"end_word":3548,"sentiment":"positive","sentiment_score":0.43824702501297},{"text":"Does that make sense? Yeah.","start_word":3549,"end_word":3553,"sentiment":"neutral","sentiment_score":0.19206391274929047},{"text":"Cool. Beautiful. Now you are your contributions are still going in.","start_word":3554,"end_word":3564,"sentiment":"positive","sentiment_score":0.44630032777786255},{"text":"There's no change to those in any way, shape, or form, your salary sacrificing and your employer contributions.","start_word":3565,"end_word":3582,"sentiment":"neutral","sentiment_score":0.2510824501514435},{"text":"So keeping them going in exactly as they are provides that greater benefit, especially with the compounding effect.","start_word":3583,"end_word":3600,"sentiment":"positive","sentiment_score":0.5912318825721741},{"text":"With the insurance premiums, I have made a little bit of a recommendation on off who knows for you, and I've got an alternative for you to consider as well, and I'll go Yep. through that shortly with you. Okay? Could I? Yep. With the military super, you'll see it does show retaining that exactly as it is. That doesn't factor into the returns at the bottom there because military super is not invested in market conditions. It's a hybrid sort of product, which is beyond Yep. cool. But, essentially, it doesn't factor into those returns at the bottom there. They essentially have that growing at a certain interest rate on Yep. a yearly basis, and so it's not actually invested in any way, shape, or form like any other super fund out there which invested in any way, shape, No. or form like any Yes. other super fund It out it there, which it is grows kinda very cool. slowly. It does.","start_word":3601,"end_word":3763,"sentiment":"neutral","sentiment_score":0.09316994249820708},{"text":"It does. It does.","start_word":3764,"end_word":3767,"sentiment":"positive","sentiment_score":0.3444245755672455},{"text":"To make it a bit easier for you, if you also scroll back up for me just to page number 18, this is the military super side of things for you. So Yeah. I Just know kidding. it took a little bit longer to get this advice document done out, but I've done a good good amount of research with them and kind of put some figures Yeah.","start_word":3768,"end_word":3835,"sentiment":"neutral","sentiment_score":0.1961913551477825},{"text":"Cool. together for you.","start_word":3836,"end_word":3839,"sentiment":"positive","sentiment_score":0.5575693249702454},{"text":"I am gonna make a recommendation that we do retain military super exactly as it is for the time being.","start_word":3840,"end_word":3859,"sentiment":"neutral","sentiment_score":0.2818162739276886},{"text":"Yep. Your balance is really well there at the moment.","start_word":3860,"end_word":3869,"sentiment":"positive","sentiment_score":0.5176380276679993},{"text":"And you've got three three components in military super. You've got your employer benefit and a member benefit and then an ancillary benefit. The Yep. defined benefit portion of military super is the employer benefit, which is accessible to you once you hit age 55. So you're 53 at the moment. You're 54 Yep. this year. So you have that technically, next year ish, you'll be able to sort of access that benefit if you choose to. Yep. The main thing I kind of wanna bring up is that with this recommendation, I'm actually recommending that if you can, and you don't have to, we will talk more about this as we get closer, and I can look at the numbers to sort of determine at 55 whether it's worthwhile. Yeah. But I'm actually recommending you maybe hold that benefit until age 60, and that is because there are different tax consequences for doing so. Yeah. So Yeah. when you reach between 55 to 59, you're able to access the employer part only as either a lump sum or an income stream. Yep. If you're 60, there are different tax consequences for accessing it. Essentially, if you take it as a lump sum benefit, you pay a tax. It's if you take it as an income stream, it's your marginal tax rate. Yep. These benefits are not taxed going in, so they are included in your income in your assessable income, and you do pay tax your marginal tax rate is under 60 on drawing the amount as an income stream. If you take it as a lump sum, then it is up to 30% plus Medicare levy if you're under the age of 60. Yep. If you're 60 and over and you decide to take it as an income stream, you do get an offset. So it is your Yep. marginal tax rate that you do get an offset. It's about 10% as a tax offset. And if you take it as a lump sum, it's conceptually taxed at 15% plus Medicare levy to 17% instead of 30%. So Yeah. when you get to that age or close that age, we can look at what the updated balance looks like inside that portion. I can work out the the expected math on what the drawdown is. We can use it we can even also ask them to give us a quote on what they what they see the drawdown to be looked at. We can look at the tax consequences and work out whether it's drawing it out better at 55 or whether we hold off until 60 to make sure you get the most out of the benefit Yeah. Look, for me, I think holding off until I'm 60 is where is I'm a better at at option. the moment. Yeah. I think Yeah. I think so. I think there's more benefits to that than there is at 55.","start_word":3870,"end_word":4360,"sentiment":"neutral","sentiment_score":0.1168058342366743},{"text":"Absolutely. And I'm still working, and I still earn a good wage Yeah.","start_word":4361,"end_word":4373,"sentiment":"positive","sentiment_score":0.45564329624176025},{"text":"at the moment. I don't Yeah. technically I know that as you just said, it'll it'll impact on my tax if I do start drawing Yeah. on it. You Yeah. know?","start_word":4374,"end_word":4404,"sentiment":"neutral","sentiment_score":-0.11800647526979446},{"text":"I I don't see him giving the tax man more money is a good thing. I don't think he does a good Absolutely job with it anyway.","start_word":4405,"end_word":4431,"sentiment":"negative","sentiment_score":-0.3737512528896332},{"text":"not. So, Absolutely yeah. not. Absolutely not. And and the good thing is, like, once you get to 60, we can also consolidate the different benefits. Yep. So at 55, the ancillary and the member benefits, which are only a very small portion, I believe you actually don't have any ancillary benefits, and there's only a small portion of the member benefit there. That's They actually right. do have to stay intact. We can't move them out at any point Yeah. yet. At 60, we can look to roll them over. At 60, we can also roll over the entire amount into hub 24 as well, and, Yeah. essentially, they do that 15% tax when the rollover is commenced. So Yeah. there's other options that we can look at, but I do see the best benefit for you is to retain this until the age of 60. At Yep. 60, we can draw some out here to purchase the caravan. We can roll it over. There's a whole bunch of different things that we can do, but the tax consequences are much lower from the age of 60 onwards. So Yeah. Yep. I've put Alright.","start_word":4432,"end_word":4626,"sentiment":"neutral","sentiment_score":0.0914327085018158},{"text":"a lot of that fun stuff in there for you with the tax breakdowns and things like that.","start_word":4627,"end_word":4644,"sentiment":"positive","sentiment_score":0.3513732850551605},{"text":"Yeah. No. Cool.","start_word":4645,"end_word":4647,"sentiment":"neutral","sentiment_score":0.19013473391532895},{"text":"Yep. Thank you.","start_word":4648,"end_word":4650,"sentiment":"positive","sentiment_score":0.45115751028060913},{"text":"No. That's okay. I promise you I'd do a good amount of research on your benefit, how much you had, Yeah. and what the Yeah. the advantages, disadvantages, and risks are. Yep. And I've got all those for you below as well. So you've got, I think, about three pages with all the advantages, the disadvantages, the risks involved of the strategies, and also any additional alternatives I've considered as well. So one of the alternatives is that we look at this at 55 and 60 again to look at what the tax Yeah. consequences are. I've Yeah. based an estimated tax result based on the balance I was able to obtain to the member side of things, and then Yep. we can always review that down the track for you as well. But it is best to retain that as it is. And as we kinda noted, this isn't invested in a normal market condition. It doesn't fluctuate. So if it's 50, and as much as it grows at a lower rate of return, it's not subject to market changes. So it's kinda No. giving That's you a right. bit more Yeah. of a defensive investment. Yeah. It has it's it's never dropped. It's always going No. up, but it like I said, Absolutely. it's very slow at going up, but I'm very happy that Yeah.","start_word":4651,"end_word":4877,"sentiment":"neutral","sentiment_score":0.09632382541894911},{"text":"it is going up.","start_word":4878,"end_word":4881,"sentiment":"positive","sentiment_score":0.4535525441169739},{"text":"Yeah. Yeah. Absolutely. Absolutely. So now that's essentially the bulk there. We just retain the military safer as it is, make some changes to your hub twenty four portfolio. I have got a on page number 30, there a bit of a and I did assure you with hub twenty four because we can't we don't know what will be interest rate that or the the index rate that the military sleeper increases by. It changes depending Yep. on what's happening with the markets and and with the rules of the funds there. We haven't included that in the projected balance here, but the projection essentially shows you with the changes in Hub twenty four with your current season contributions and the five year rolling average if you are able to get that 11.11% on a yearly basis over the next five to ten years, essentially, where your Hub twenty four balance could be. So then Yes. by retaining military super I know you wanna use some of that for a caravan, which is absolutely fine, but that Yeah. only adds on top of this essentially depending on market conditions for you. Yeah. Okay. Cool. Yep.","start_word":4882,"end_word":5077,"sentiment":"neutral","sentiment_score":0.07351402881346186},{"text":"Yeah. Perfect.","start_word":5078,"end_word":5079,"sentiment":"positive","sentiment_score":0.4795632064342499},{"text":"If you go down to the next page there, I as I mentioned, I've actually been a retirement planning to a limited scope for this to sort of show you the long term effects. So I like to project out as you are closer to accessing super, essentially, what this might look like if you did stop working at the age of 60. I know we're Yep. working on an average income of about $5,060,000 from your super there. This shows that with the projected outcome, to get longevity to make your super last until about ninety, ninety one there, you would only be able to draw out about 45,780 as an Yep. estimated income. To draw out the 50 or 60,000, it does mean your super doesn't last as long. So we are sort Yep. of under under the limit by that 17,000 there at the moment, but this is not factoring in Centrelink. I did originally have a Centrelink projection in there for you as well. But because you've Yep. now got your investment property with your assets, it is slightly over the threshold currently Yeah. with the projected outcome plus your assets, but that doesn't mean I can't get it. I do Yep. a lot of sheltering of investments and working with clients to access even part pension. So when Yep. you get closer to 67, we can look at sheltering assets, look at what loans you have, investment property, where your super balance sits, and what we can do to try and get you part age pension as well as any other benefits that you might be eligible for to Cool. get longevity and and draw less out of super for you as well. Yeah. Okay? Cool. Yeah. So this sort of shows that whilst we're on a good track, longevity wise, we are a little bit off the mark there. Yep. We also only consider a very a conservative rate of return in in in retirement years. So when you kinda hit those retirement years, you are drawing income down. We're not sort of aiming for those high growth or growth sort of trajectory investment targets. We're normally only looking to get between a five to 9% return out of that super on a yearly basis because we're taking less risk in the market. We tend to be more defensive in those years. Yep. So we do factor this off, like, more conservative rate of return in those retirement years as well. So this sort of shows you where we're tracking at the moment, but we can keep looking at things, keep tracking, keep adjusting everything to make sure that we're on track and see where we end up in the next sort of five to ten years and when you choose to retire as well. Does that make sense? Cool. Yeah. Yeah. Yep. Yep.","start_word":5080,"end_word":5559,"sentiment":"neutral","sentiment_score":0.01164073683321476},{"text":"Beautiful.","start_word":5560,"end_word":5560,"sentiment":"positive","sentiment_score":0.4706994593143463},{"text":"Do you have any questions so far? You're welcome to ask me anything you Yeah. like. No. Or No. Pretty happy. As I said, pretty happy at the yep. moment. You know, I'm reading Fantastic. as as we're going through. So I'm following along and looking at what you're sort of saying.","start_word":5561,"end_word":5612,"sentiment":"neutral","sentiment_score":0.13076646625995636},{"text":"So Beautiful. pretty good. Beautiful.","start_word":5613,"end_word":5617,"sentiment":"positive","sentiment_score":0.5664480924606323},{"text":"Now the next page is the insurance side of things. So at the moment Yep. with your cover, you do have you've got a bit over 800,000 of life and t p d there, and so $8.75 of life and TBD there, and you've got some income protection. We sort of looked at what your goals were when we spoke last time, and you wanted to make sure that if anything happens to you with life and TBD, that you have six years of income replacement covered plus the mortgage. I've only Yep. faxed in the main primary residence, not the investment property for this. That's fine. I can Yep. always look to adjust it if need be, but I've also got an alternative for you as well. So Yeah. at the moment, you're paying so at the moment, out of your super, you're paying it's about it's been over 9,000 on a yearly basis there. It's about 8,389 that you pay out of super for your insurances for this year. Yep. It does also mean that with your goal, you're a bit underinsured for your life and TBD there. So when I went back and had a look at the math and looked at what you needed to be insured for, it does say that we do need to increase your life and TBD a little bit. We Mhmm. the math came out at about 917,000 of life and TBD, but it worked out only a small cost to increase it to about 8 by 86,000 and give you a full bill.","start_word":5618,"end_word":5880,"sentiment":"neutral","sentiment_score":0.009044629937310492},{"text":"And it Yep.","start_word":5881,"end_word":5883,"sentiment":"positive","sentiment_score":0.3769200742244721},{"text":"actually still works out cheaper than what you are paying at the moment. Alright. So I'm recommending that we do increase your life and TBD to a million dollars even, but we're also gonna decrease your income protection benefit there. So at the moment, you are slightly over insured with regards to income protection. So we Yep. can look to decrease the IP benefit down to that monthly benefit of $7.01 $1.","start_word":5884,"end_word":5955,"sentiment":"neutral","sentiment_score":0.0768747478723526},{"text":"07. That brings you back in line with 70% of your income, giving you Yep.","start_word":5955,"end_word":5969,"sentiment":"positive","sentiment_score":0.4150436818599701},{"text":"still that ninety day wait five year benefit period.","start_word":5970,"end_word":5978,"sentiment":"neutral","sentiment_score":0.2824806571006775},{"text":"Cool. And because it's it is still reducing the cost of your insurance premium, so the total premium of the $9,013.72, that's how much the insurer receives.","start_word":5979,"end_word":6005,"sentiment":"positive","sentiment_score":0.4888490736484528},{"text":"What you actually pay is that $7.06 $6.02 per annum. So Yes. because Yep. with the way taxation works inside super, contribution to tax the 15% with the way the money doesn't leave the super system, you actually get a 15% rebate on the premium coming out of super.","start_word":6006,"end_word":6054,"sentiment":"neutral","sentiment_score":0.2416837428297315},{"text":"So that's Yep.","start_word":6055,"end_word":6057,"sentiment":"positive","sentiment_score":0.39062854647636414},{"text":"why it actually gives you a bit of a 15% discount, and you pay less inside super for your premium than what the insurer actually receives on the other end, if that makes sense. Yeah. Cool. It's a little bit weird the way it works. So when you pay for this inside of Super, you'll see at the top here, it's actually owned by the MetLife trustees. Yes. And that's because Yep. when you hold insurances inside Super, the policy is actually owned by MetLife Super trustees, and they have this little Superfund over here which holds the insurances for you, so it retains the Super product. And Yep. because the money going over acts like a contribution to the insurer, so they receive or they would have to they account for the 15% tax on the other side. And when the premium comes out of your super fund, it goes from one super fund to another. So it never Yep. actually leaves the super fund the super system, and Yep. they give you a rebate or a 15% discount on the money coming out to account for the 15% on the other side. It's a Yep. bit weird the way it works, but it's really cool because it gives you a I discount.","start_word":6058,"end_word":6271,"sentiment":"neutral","sentiment_score":0.15146327018737793},{"text":"was gonna say, So as long as it works and gives me, yeah, the discount, I'm happy. it's it's it's been convoluted the way the whole thing the whole thing works, but I love the fact that you get a discount out of it.","start_word":6272,"end_word":6315,"sentiment":"positive","sentiment_score":0.35635727643966675},{"text":"Yeah. So it Yeah. means the amount you pay is not the amount the insurer receives for the year, That's but you're it. still fully covered. So Yes. yeah. Yeah. Yeah.","start_word":6316,"end_word":6346,"sentiment":"neutral","sentiment_score":0.07016397267580032},{"text":"I like it.","start_word":6347,"end_word":6349,"sentiment":"positive","sentiment_score":0.4085220694541931},{"text":"Yeah. Yeah. Now that is essentially the way you have at the moment. When I had a really good look back, you kinda mentioned to me last time there's been no major changes in your health since we did the original application there. And increasing your life and CBD does mean you have to go through an increased application. So they will underwrite the increase of the policy. At the Yep. moment, looking at your current policy, you do have some exclusions. So we do have a mental health and a spine exclusion That's right. there. Yep. With those, I would expect them to still be applied to the higher level of cover there. Yep. Yep. However, if there's any changes to to your health since then, depending on what's disclosed, there could be other exclusions applied. Okay? Yeah. No. There's So no it other just changes. comes nothing changed. Beautiful. No. That's what we No. wanna hear. Yeah. In the appendix, which is attached there for you, I have also got an alternative for you to consider as well. So the other alternative is if you decided you didn't wanna go to the increased application, we could just look to decrease your life and TPD to cover the mortgage. And that would mean that if you were to pass away, your wife could receive a benefit to cover the mortgage amount, and then your super benefit and your defined benefit from military super gets paid to her as additional income or additional support on top of that. Yeah. And the same thing in the event of a TPD claim. So the problem with TPD is that we're still alive. We're still here. We still have ongoing expenses. But Yeah. if you were to look at that alternative there, it's essentially just reducing the TBD from where you have it now down to about that two fifty eight months to cover the mortgage, and then just having your super and your deferred benefit, paid out on top of that as additional income if that's what we're able to do with the time there.","start_word":6350,"end_word":6702,"sentiment":"neutral","sentiment_score":0.023197196814476937},{"text":"It does Yep. reduce the cost from what you are paying at the moment down to about 5,007. So it does reduce the cost a lot more significantly, which in the longer Yep. term does increase the overall projection when you kinda weigh it up with everything else.","start_word":6703,"end_word":6750,"sentiment":"positive","sentiment_score":0.4295687675476074},{"text":"But what I've got in the advice document here is more in line with your goal. So it's just about working out what's more comfortable for you. Do you wanna go through the increase of the life and TPD as well as decrease the income protection, or would you rather just decrease the life and TPD and save a lot more in the way of insurance premium costs? Yeah. So I've No. kind I of added both of those for you. Sorry. yeah. That's fine. Look.","start_word":6751,"end_word":6836,"sentiment":"neutral","sentiment_score":0.10977297440864318},{"text":"Just reading it as you're talking through it, I'm happy with that our first recommendation of, you Yeah.","start_word":6837,"end_word":6854,"sentiment":"positive","sentiment_score":0.3810519576072693},{"text":"know, not Yeah. the alternatives. I mean, it does save me money, but the plan is to look after the family if I was to be disappear Yeah. off the face of the earth for whatever reason. Absolutely.","start_word":6855,"end_word":6892,"sentiment":"neutral","sentiment_score":-0.02890828438103199},{"text":"So I think the more money they can have, the better.","start_word":6893,"end_word":6903,"sentiment":"positive","sentiment_score":0.3717336654663086},{"text":"Yeah. Absolutely. Yeah. And we review this with you on a regular basis, so we'll keep reviewing the insurances, keep Yeah. Yep. altering them as we need to. Obviously, as your mortgage decreases, as your super balance increases over time, we can make sure we decrease those levels of cover That's as well right. for you. Yeah. Yeah. Yep.","start_word":6904,"end_word":6962,"sentiment":"neutral","sentiment_score":0.03943014144897461},{"text":"Beautiful. MetLife is a really great product to have.","start_word":6963,"end_word":6971,"sentiment":"positive","sentiment_score":0.5437436103820801},{"text":"I've also got in there for you all the advantages, the disadvantages, and the risks involved. Yep. MetLife gives you certain things like premium relief for unemployment. So if you become involuntarily unemployed, your premium to life and TVD can be put on or waived or put on hold for three months Yep. just to save the amount of the premiums being paid for those. The only downside is if you use that premium release, so you can't claim in that three months as well, but it does give you, you know, a little bit of extra protection in the event that you, you know, need to hold off on paying those premiums. Yeah. Yep. These do also increase every year along with indexation, so it means that it keeps up with CPI, which is really important as well. You wanna make sure Yep. that if you had the claim, that the money actually pays out and covers the cost of what you needed to cover. We Yeah.","start_word":6972,"end_word":7139,"sentiment":"neutral","sentiment_score":0.08825330436229706},{"text":"do know a $100 this year isn't worth a $100 next year.","start_word":7140,"end_word":7151,"sentiment":"negative","sentiment_score":-0.37864986062049866},{"text":"So our buying capacity is eaten away by in by CPI every year, so making Exactly. sure that continues there for you is important. Yep.","start_word":7152,"end_word":7176,"sentiment":"neutral","sentiment_score":-0.013978291302919388},{"text":"It's with the income protection, it's reducing it down does mean that there's no increase there. It does save you on premiums. Income protection does work out to be at 90% of our insurance cost. So Yeah. by increasing life and CBD and decreasing your income protection, you do actually save a bit on premiums, which is really good.","start_word":7177,"end_word":7235,"sentiment":"positive","sentiment_score":0.5623071193695068},{"text":"Yep. The reason is such a higher cost is it is always the first thing we claim on. Generally, when we look at insurances, we start by claiming on trauma and or income protection. And then if we still can't buy back to work, then we look at TBD. And then if we pass away from that, we it becomes a life insurance claim. So that's Yeah. why income protection is the most readily one paid out. It is the biggest one, most one claimed on, and it's the highest cost to be covered.","start_word":7236,"end_word":7329,"sentiment":"neutral","sentiment_score":-0.05338248983025551},{"text":"The downside to income protection is that it doesn't actually cover a 100% of that income.","start_word":7330,"end_word":7345,"sentiment":"negative","sentiment_score":-0.36042919754981995},{"text":"It's designed to give us a base level of cover to cover basic living expenses, and so they only let us cover up to 70 of your income. And that is so that we it is designed to make us wanna go back to work because we need more money to to cover our bills and to live our life. So the theory is that if we could cover a 100% of our income with protection, we'd all go on claim and never wanna go back because why would you? You you you got all your money coming in the same rate. Yeah. With a nine with a ninety day waiting period, it does mean you have to be off work off work for ninety days prior to making a claim. Yeah. And with a five year benefit period, you can be on a claim for up to five years.","start_word":7346,"end_word":7495,"sentiment":"neutral","sentiment_score":-0.027421969920396805},{"text":"I like a five year benefit period. It's kind of a happy medium.","start_word":7496,"end_word":7508,"sentiment":"positive","sentiment_score":0.46859726309776306},{"text":"I always think two years is a little bit low just because if something happens significantly, you were off work for that two years. At that two year mark, the claim discontinues, whereas having that five year benefit period, if you get to two years or three years and you're still only working or you can go back to work, but you go back to work maybe one or two or three days away, you can access a partial claim as well. Yes. Yep.","start_word":7509,"end_word":7592,"sentiment":"neutral","sentiment_score":-0.007794911307947976},{"text":"So I I like a five year benefit period. It gives you both the full and partial claim option Yep. and kind of the happy medium in the way of premiums as well.","start_word":7593,"end_word":7625,"sentiment":"positive","sentiment_score":0.5270212888717651},{"text":"Okay?","start_word":7626,"end_word":7626,"sentiment":"neutral","sentiment_score":0.24921400845050812},{"text":"Yeah. Cool. Beautiful. In all of these sections, I have outlined the best interest duty, which essentially outlines the recommendation and how it's in line with your goals and under best interest for you. So I relate all that back to make it nice and easy. You're welcome to have a really good read through those sections as well. Cool.","start_word":7627,"end_word":7686,"sentiment":"positive","sentiment_score":0.4904523491859436},{"text":"Yep. And then I've also considered any alternatives, and, you know, we've looked at obviously, in the appendix, I've also got the alternative. Because your needs analysis technically came out to 917,000, we've increased it to a million dollars because we get discounts for every 250,000. So to Yep. give you an extra $83,000 of cover between that $9.01 7 to the million, it was only gonna cost a $113 more. So we figured Yeah. a $113 for the year to give you an extra $83,000 of life and TBD.","start_word":7687,"end_word":7776,"sentiment":"neutral","sentiment_score":0.17047549784183502},{"text":"It just felt like the right thing to do. So Yep. That's good. give you a bit more benefit.","start_word":7777,"end_word":7795,"sentiment":"positive","sentiment_score":0.4386923015117645},{"text":"Yeah. Other than that, the only other recommendation here is to make sure you know, you mentioned to me you did have a will. I have made a recommendation just to update and yeah. Have your review your will review by us listed and update. I do make that a fairly standard recommendation, just making sure that we have that at the forefront of our minds. So making sure that we have it listed to review, make sure our will is up to date, and Yep. when it becomes invalid or needs to be updated. Generally speaking, a will should be updated around every three to five years depending on changes in our life and our circumstances. Yep. And having it reviewed by a legal professional or a solicitor is important to make sure that it's always working.","start_word":7796,"end_word":7933,"sentiment":"neutral","sentiment_score":0.10925408539132796},{"text":"To the best, wills are fantastic because, essentially, making sure that you can set up trust and have things requested to different people.","start_word":7934,"end_word":7956,"sentiment":"positive","sentiment_score":0.6017231345176697},{"text":"You know, you can have things sent off to, you know, your family members, your friends, your colleague from ten years ago, or you can have things Yep. I've got a client who basically doesn't have anyone they wanna leave anything to. So everything is going up to different charities, and I've met a lot of them over the past couple of years.","start_word":7957,"end_word":8019,"sentiment":"neutral","sentiment_score":0.2475525587797165},{"text":"So it gives you a lot more control and access as to who you want money to be handed to.","start_word":8020,"end_word":8039,"sentiment":"positive","sentiment_score":0.33756083250045776},{"text":"So I Yep.","start_word":8040,"end_word":8042,"sentiment":"neutral","sentiment_score":0.3015305995941162},{"text":"have just made a standard recommendation to review your will.","start_word":8043,"end_word":8052,"sentiment":"positive","sentiment_score":0.3591688573360443},{"text":"Also, have a power of attorney established if you haven't yet got one, making sure those power of attorneys are up to date and that you do have someone that you trust to make those decisions in the event that you're incapacitated or unable to make decisions for yourself is really important. Yep. And I believe your beneficiaries were all fine and up to date, so there's no real changes to be made to your beneficiaries there. But I have just made a recommendation that I'll make sure that you do have it noted to your wife and that they are binding non lapsing beneficiary nominations. So I'll go back and make sure that everything is up to date and that we update those nominations if they're not binding non lapsing and make sure it's all nominated a 100% to your wife as well to cover all your bases. Okay.","start_word":8053,"end_word":8202,"sentiment":"neutral","sentiment_score":0.27064070105552673},{"text":"Cool.","start_word":8203,"end_word":8203,"sentiment":"positive","sentiment_score":0.35565757751464844},{"text":"Yep. Yeah. Do you have any questions at all? No. Look. I'm a I'm a pretty simple fella. Yeah. You know? So far, you haven't said anything I haven't understood. And Oh, good. and like I said, everything I'm sort of reading as you're going through is clear and, Yeah. you know, Perfect. I I understand where it's at.","start_word":8204,"end_word":8262,"sentiment":"neutral","sentiment_score":0.14188870787620544},{"text":"And Yeah. I I like look. You guys have been really great.","start_word":8263,"end_word":8274,"sentiment":"positive","sentiment_score":0.6161724925041199},{"text":"I I can remember when you guys I don't know whoever rang me, but how and how long ago it was when he rang. Someone rang me up and said, hey. We're finance company and rah rah. Yeah. Financial company. And I went, yeah. Right.","start_word":8275,"end_word":8319,"sentiment":"neutral","sentiment_score":0.009465640410780908},{"text":"Good. Great. Yep. Thanks.","start_word":8320,"end_word":8323,"sentiment":"positive","sentiment_score":0.494524210691452},{"text":"See you. And wasn't really interested. And twelve months later, they rang again, and I went, these guys kinda sound like they might be legit. I think I better talk Yeah. to them. Yeah.","start_word":8324,"end_word":8357,"sentiment":"neutral","sentiment_score":0.05331387370824814},{"text":"So he's been great. Yeah. Aw. That's I actually fantastic. wanna get my wife underneath you guys as well.","start_word":8358,"end_word":8376,"sentiment":"positive","sentiment_score":0.4335877597332001},{"text":"She's not quite ready, Yeah. she says, but That's I'm okay. I'm I need her under you guys, I think. She's got she's fifteen years younger than me, so she's got a bit longer to go. But Yeah. I think once she sees how regular I talk to you guys and so forth, Yeah. she'll she'll get the idea that it's a good idea. Absolutely. No. That's really perfect. When and if she is ready, I'm a big believer in not pushing anyone to do anything when Yeah. they're Yeah. until they Yeah. are ready I don't to do so because it makes it yep. easy. Yeah. So when she Yeah. is ready, even if she just wants to have a general conversation about what advice is, how it works, I'm absolutely Yeah.","start_word":8377,"end_word":8509,"sentiment":"neutral","sentiment_score":0.12496116012334824},{"text":"happy to make that time that suits.","start_word":8510,"end_word":8516,"sentiment":"positive","sentiment_score":0.5070527195930481},{"text":"And down the track, the one thing I do like about in encouraging her to come on board down the track is that when you get close to accessing super, we can do a really good joint advice document that looks at what you've both got individually, how we make Yeah. this work, how the drawdowns look, you know, accessing with if she still wants to work, how that kinda coincides with her income, you know, drawing some out of super, then accessing super and sheltering money so we can get age pension and things like that for you guys. So Yep.","start_word":8517,"end_word":8618,"sentiment":"neutral","sentiment_score":0.19604918360710144},{"text":"there's some really cool strategies that we can sort of look at from 60 onwards that benefit both of you. So when Yep. an issue is absolutely ready, I'm more than happy to have that conversation. But, yeah, when she's ready, it'll be fantastic. There's some cool things we can do down the track here. I'm really excited to help you along. So That'll yeah. be great. Cool. All good.","start_word":8619,"end_word":8688,"sentiment":"positive","sentiment_score":0.609780490398407},{"text":"The only other thing I do have to let you know about is when we do look at insurances and increase the insurance application, we do note the remuneration side of things. So you obviously, all our advisers provide a fully complimentary to yourself. If you're an ongoing client, you pay that 1.65% per annum. However, Yep. when we do recommend insurances, because we are increasing the life and TBD there, MetLife as the insurer do pay us remuneration. So we receive 66% of the first year's premiums on the increase, which is estimated to be $94. Yep. And then we still do receive 22% of the premiums ongoing. So it's paid by MetLife to us, not by you in any way. But we like to be open and honest and disclose any remuneration that we do receive there for you. Yep. Okay? Yeah. Cool. Not a problem. Yeah.","start_word":8689,"end_word":8837,"sentiment":"neutral","sentiment_score":0.12422844767570496},{"text":"Perfect. Perfect.","start_word":8838,"end_word":8839,"sentiment":"positive","sentiment_score":0.4146285653114319},{"text":"Well, I will let you go to have a really good read of the document there. If you finally have any questions, let me know. In my world, there is no such thing as a silly question. If there's something that you wanna know, you're welcome to ask it. Yep. And moving forward, I do wanna make sure we do, obviously, catch up with you on a regular basis. So how often would you like to see a catch up done through the year? Look. I think at this stage, probably six monthly just to Yep. touch base Perfect. and go, are you happy? That sort of thing. Yep. And obviously, as I get closer to that retirement age when I'm probably, say, 56, 57, I might wanna touch base with you about every three months Yep. and just Perfect. go, yep.","start_word":8840,"end_word":8981,"sentiment":"neutral","sentiment_score":0.1582588404417038},{"text":"It's still heading the right way. We're still doing the right thing.","start_word":8982,"end_word":8993,"sentiment":"positive","sentiment_score":0.606244683265686},{"text":"And then obviously, Yep. as I hit 60, yeah, we'll discuss things a lot further then. Yep.","start_word":8994,"end_word":9010,"sentiment":"neutral","sentiment_score":0.123155377805233},{"text":"Absolutely. Perfect. So I'll do it six months even now, and then we can keep updating things along the way.","start_word":9011,"end_word":9030,"sentiment":"positive","sentiment_score":0.4788382053375244},{"text":"Yep. Once you're had a bit of a look through everything and I've got you'll probably see a lot of attachments on that email as well. I've attached all the product disclosure statements, Did the updated say that. military super balances. I've also got the financial services guide in there for you. Yep. So, you know, feel free to have a look through any of those documents. Let me know if there's any additional questions there. I like to make sure you've got as much information. Not everyone wants to read it, but it's all there for you in the event that you are wanting to run your eyes over there. Yep. And, Yep. yeah, if you're happy with everything, we'll get you to sign and return the document back. We'll start by implementing the change to your investment switch, and then Yep. we'll get you booked in with my colleague, Jack, there, and he'll do the increase application and decrease your income protection for you, and we'll get that sorted nice and quickly. Okay?","start_word":9031,"end_word":9205,"sentiment":"neutral","sentiment_score":0.17948754131793976},{"text":"That would be lovely. Beautiful. Fantastic.","start_word":9206,"end_word":9211,"sentiment":"positive","sentiment_score":0.7378827333450317},{"text":"The only thing I'm probably gonna ask and, look, you don't have to by any means, but as a small growing business and as an adviser, it's really important for word-of-mouth out there. My colleague, Michelle, will probably just follow-up with a little bit of a message today. She sends out just a link to the Google review site. So if Yes. you feel comfortable Yep.","start_word":9212,"end_word":9277,"sentiment":"neutral","sentiment_score":0.1566990166902542},{"text":"to do so, if you could leave me a little review, that'd be amazing, or just for the company.","start_word":9278,"end_word":9296,"sentiment":"positive","sentiment_score":0.37162134051322937},{"text":"It doesn't have to name me if you don't want to. But it's just, like, one of those things we are growing. Word-of-mouth is really important, and, Minh, as I wanna help as many people as I possibly can. Yep. So Yeah. Not if you're not open a problem. to doing so, Michelle will pop that out there. And, yeah, if you have any questions, it doesn't matter what it is, let me know. I'll make sure you get booked in for that six monthly catch up. And in the meantime, if there's anything additional, you get nervous at the market or if any questions pop up or if you want any additional advice or just a general conversation, hit me up. I will always make time to book you in to make sure that I'm talking to you as you need it. Okay?","start_word":9297,"end_word":9440,"sentiment":"neutral","sentiment_score":0.15893047323657403},{"text":"Lovely. Appreciate that, Diana. Fantastic. Oh, not a problem. Thank you so much for the opportunity. I've loved putting this together for you. It's been a fantastic plan to put together. Really enjoyed the It research component. it's a So it's a great document by the look of it from what I'm reading. thank you. It's been great. Yeah. A lot of Fantastic.","start_word":9441,"end_word":9503,"sentiment":"positive","sentiment_score":0.6543781161308289},{"text":"information and, yeah, Yeah. lots for me It's to read, good. but I I really Yeah.","start_word":9504,"end_word":9519,"sentiment":"neutral","sentiment_score":0.2705857455730438},{"text":"like it. Beautiful. And there's so many more cool things that we can do moving forward to help you out. So this is just the start, just the beginning, and we'll keep working towards your goals. Yeah. Excellent. Thank you. My pleasure. I hope you have an amazing day. Hey. Thank you so much for your time.","start_word":9520,"end_word":9576,"sentiment":"positive","sentiment_score":0.6641594171524048},{"text":"No worries.","start_word":9577,"end_word":9578,"sentiment":"neutral","sentiment_score":0.3267524242401123},{"text":"Thank you for the call, Diana.","start_word":9579,"end_word":9584,"sentiment":"positive","sentiment_score":0.6196550130844116},{"text":"No worries.","start_word":9585,"end_word":9586,"sentiment":"neutral","sentiment_score":0.2861511707305908},{"text":"Enjoy your day, Chelsea.","start_word":9587,"end_word":9590,"sentiment":"positive","sentiment_score":0.5322951078414917},{"text":"See See you. Bye. you later. Bye.","start_word":9591,"end_word":9597,"sentiment":"neutral","sentiment_score":0.21717838943004608}],"average":{"sentiment":"neutral","sentiment_score":0.15402245750561305}}}}