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Sometimes work goes over, and we do what we must say. Awesome. Now I really wanna get in touch with you for a couple of things. So your your sort of your updated strategy, everything that we're trying to sort of update change going forward, that's all ready to kind of look at with you. My first question for tonight is do you have access to your emails to have a look at the the strategy document with me today, or should I just kinda give you a bit of a walk through? Yep. No worries at all. So what I'll do is I'll send it through just so it's there. It'll go through your Gmail still okay for the main email address? Perfect. So what's coming through is basically a statement of advice, a research appendix, and a few product documents with, you know, all the PDFs from the super funds and providers and things like that. Also, sending you through a bit of an updated service guide with Oakview as well. So a few supporting docs, but one main one, if that makes sense. Now main thing is so your file, you had a conversation with Kyle before the end of financial year, and there was a few changes we were trying to make. Unfortunately, the world kind of exploded a few times in between then and now, so we've had to make a few additional pivots for this whole updated plan just to mix in what's going on with the Iran war, the interest rates going up, the capital gains tax changes. I don't know if you've seen all that happening on the news. Cool. So there's a few things that we're updating in here, but there's a main one here I wanted to touch base on just in terms of your contributions to super, just all the salary sacrifice and everything like that. Now in terms of, I guess, the scope of advice, it was doing the contribution advice, the portfolio, a few estate planning things. I don't believe we were doing anything with your insurances at this place because you've got workplace cover that kind of protects you if that rings a bell. Cool. And now just because this is the first time I've spoken to you, I wanna double just check the goals here. We had you obviously really focusing on building up the savings and paying off the mortgage, a few sort of things that you're, you know, obviously handling yourself personally. Does that sound about the main focus? Is there anything I've missed there? The the carry forward rule. Yep. Yeah. Yeah. Perfect. And so you've already kept on top of, like, your myGov account to see how much is kinda left over? Perfect. Perfect. So the main thing in this document here alongside the portfolio changes is I've just had to put in a lot of disclaimers around the contributions kind of thing because that salary sacrifice amount, like, obviously, if you continued it for the full financial year, we're talking like another 50 something thousand dollars of combined concessional contributions, which would really push you over. And the second thing is just with your income being up as high as it is, your I've I've given you some estimates on the division two nine three taxes. I don't know if you got that in the last couple of tax returns, those notices from the ATO. Cool. So the long and short of it is if your income and contributions combined is above 250,000, the government pretty much just hits you with an extra 15% tax. But rather than taking it out of the super fund, they actually send you a bill for it at your tax return, and you can elect to either pay it personally or have the money come out of the super fund to pay it. Yeah. So there's a bit of a formula where they say if it's your either your excess contributions above it or lesser of another amount, and they basically then calculate another 15%. It still works out for the high income earners to still be a tax savings, but instead of, you know, 22% tax savings or 30%, it goes down to more like a sixteen, eighteen kind of thing for those extra little amounts. Yep. So just a heads up when you do your tax return, that'll come through. My estimates in the document was just pretty much if you stopped all the salary sacrifice now, what it would look like just based on pay calculator and a few things like that. Cool. I've based just the projections on your employer contributions going forward because, again, I don't wanna just put in there that you're chucking in $50 a year for a decade and all the taxes that come with it. So I've just gone as conservative as I can with the projections. The 12 percent after that. Yeah. Perfect. So it's 32.5 now, and, obviously, that includes your employee contributions. You'll still possibly I think based on your income, would I have it as 262? Does that sound about right? Gotcha. So what I'm thinking is you you're probably right on that threshold where even without any salary sacrifice, you'll probably still fall into that div two nine three category, a bit like my father-in-law and a lot of mining guys, where just expect a small bill every tax return for a little bit of extra contributions tax. Cool. Now sort of main things. So we've got assets and liabilities listed in there. If you read the document and there's any major changes, just let us know. The quick and short of it is a bit of an overhaul of the portfolio. So with the Hub 24, because it's a wrap platform, we do have to factor in things like capital gains tax under the hood and factor that into the projections whenever we change investments, if that makes sense. So what we've got here is a full kind of update is looking at around about 1,500 of capital gains tax for the super, but a fee savings we're we're able to get the fees the investment fees down in half. That'll save at least $7.50 a year based on your current balance. Because it's percentage based, that kind of balloons out as your balance grows, if that makes sense. In terms of average returns, your growth risk profile, you you kind of wanna hit that kind of nine nine, 10% average long term. Some years, it goes up 20, some down 15. Average that as a benchmark to keep you on track. You're currently at eight and a half. New portfolio is just shy of 11 after fees, taxes, Quite a few disclaimers in here. Again, I think what we're looking at here just based on your high income is a ten year projection a little over 700,000 currently. If we update the portfolio, you could hit close to 900,000 in ten years. So you're really gonna get to that point based on your current balance where you're gonna have this huge acceleration where every 20% return is another fifty, eighty, 100 grams. Once we've built it up to that amount that you need, we're probably gonna switch the conversation to when do we reduce risk and start to protect it in the lead up to retirement. So, again, bit of an acceleration and then a bit of a talk of a hard stop at some point or a bit of a tapering off, so so to speak. We had you wanting to kind of retire as early as possible at age 60. Sound about right? Yeah. Unfortunately, the all these changes to capital gains tax impacts the normal investing too, not just properties, which is not as fun. Still nice to invest and grow wealth personally, but just not as tax effective. I think the main thing to keep in mind too is eighteen years until retirement, you've kind of got two and a half market cycles left. So what that kind of tells me is, you know, every seven years, there's a global financial crisis or a COVID or a crash of some kind if that that rings a bell. Pretty much, we go through a couple of those, keep those high returns for as long as we can. In the last seven to nine years, that's probably when you've got that, you know, mil, mil and a half, and we start tapering it down and protecting it. Beyond that, really, it was just the contributions I wanted to run by you. If you're already on top of that for January, that's fantastic. The investments that we're switching. So there's quite a few in there that are gonna be updated based on my recommendation and Carl's research. Main thing I wanted to let you know is one in particular, the Benelong, was the one that was kind of dragging its feet underperforming. That's being replaced with a low fee index funds. So it's, like, 80% cheaper, way better performance over one three five in ten years, which is pretty much perfect. There's some term deposits in there that we have to remove because the government's phasing them out next year. We've had a huge return out of those, but we just wanna sell them before everybody has to get out of that type of term deposit and just switch it with a bit of a sidestep. Most everything else will be pretty much rebalanced to where it should be. You know, you're keeping gold, for example, but we're just gonna bring it back to the 10% and a couple of new options in there for the lower fees. Outside of that, I don't believe there was really much else to do. Asset allocation is still staying around the 80% mark for that growth risk profile. We were getting your partner listed as beneficiary for Hub twenty four. Not sure if you've already kind of filled those forms in since you spoke to Kyle or if you need me to kind of post out some fresh ones. Cool. Would it be easier to kind of email them to print out, scan, and send back, or should we just post them with, like, a return envelope? Would that be easier? Easy done. I'll let the team know to email those out. A few reminders in there about wills and powers of attorney, and that's pretty much it for the time being. I know you're in the car at the moment, but does all that kinda make sense? Yeah. The good thing at least is I've included, like, some links and a few of the terminology there. So if you have it kind of curious to kind of break it down, you should just be able to jump into the ATO website. It'll take you right there, and you can kind of have a read. If you want further clarification, just call up, and we can have a chat. Cool. One thing I will do as well just quickly is I'm gonna double check just while I've got your ID just to make sure we've got it all up to date on file. Can you bear with me just for a few more seconds? Alright. There you are, Rory. ID. Currently sitting at 320,000 at the moment. We've got a bit of a updated service guide I mentioned earlier where we're updating kind of fee structures and things like that. So what I might do, if you're comfortable, is we've kind of got you on until March for the current consent for us to be advisers on Hub twenty four. We have just brought in some discounts for clients above 200,000 where instead of 1.65%, drops down to 1.3 7. When you hit 500,000, it drops again to 1.1%. Do you want me to kind of send through one of those separately to have a look at? Pretty much. Yeah. So what basically happens is the consent forms are kind of like no lock in contracts for, like, a twelve month consent for us to be advisers, charge fees, make transactions on your behalf. Your current one is the standard 1.65 for Oakview, which runs till March. If we refresh one now, we can get you into that next bracket already as of today. Yes. Look. We've got plenty of clients, 0.5 a mil, a mil. We've got a couple approaching the 2 mil mark. You'd be surprised that when you hit those late forties, how much it kind of compounds out to be, early fifties. And then that conversation is like, oh, my 700,000 dropped to $5.80 and went back up to $8.20. This is getting a little bit too real. Can we just, like, slow things down and protect it? It it's nice to kind of aim for the moment. We've added brackets in for 2 to 500,000, 500 and above. Would be pretty funny if we did it on the 500,000 income. No. We don't have any $2,000,000 salary clients. Yep. Perfect. So it'll just be two separate emails. One for the statement of advice for the investment switches. The other one will be the new consent form with the updated fee structure and service guide. Yeah. So we actually met with are you familiar with, like, Vanguard and BlackRock and those kind of big fund manager names? So we we had a portfolio built for us by BlackRock who sort of first in Australia to to kind of build one with them, and we just spoke to them earlier in the week. Normally, what tends to happen, and I'll give you my honest answer here, every seven years, there's a, you know, crash and growth cycle, crash and growth, crash and growth, and those long term averages, you know, they bounce between the 8% to 14% depending on how bad that year is, if that makes sense. What we're kind of seeing at the moment is a little bit different where on one side of things, you've got the the high inflation, low productivity, the debts, the the interest rates hitting the homeowners in Australia and and all that kind of thing. So there's a lot of areas where things look like they're they're getting to a bit of a breaking point and quite bad. Then on the flip side, there's a huge further towards, you know, the AI build outs and all that kind of thing where people are talking about 80%, 400%, 4,000 growth in different sectors, which between those companies, the money that they're spending is flowing out around the world to even tradies in Australia earning $3,400 to set up a data center. So there's a huge kind of economic issue and crash potential on the left side, and then there's also a huge growth sitting over here with that amount of spending spreading around the world. So what it's kinda looking at is some countries and sectors are probably, like, crash prone, and some countries and sectors are probably growth prone. One could crash 40% while the other one, some companies are up 4000%. So what that really means coming back is depending on the satellites we invest you in, there could be huge growth or the main issues. And then combined that buzzword of volatility. The the general markets are gonna be higher highs, lower lows for the whole rest of this year and at least the first six months of next year. So the Australian market, American market, up and down like a yo yo, and then alongside that, major trends of either this going down while that soars up. Does that kind of answer the question a bit? Yeah. Yeah. I mean, in terms of your balance as an example, when that January issue kicked in, you went from $2.86 to $2.69 and then back up to 300,000 in a matter of weeks. Yeah. To be honest, that's kind of good advice for this next twelve months. One of the things that we're basically playing is a bit of a law of averages where it's gonna be going up and down $20.30, $40,000 every couple of months. And once you average it out over five years, we're trying to make sure we're hitting that 12%, whereas everyone else is getting seven, eight. That's gonna compound nicely for you. But in between, you almost basically just wanna play a I wouldn't say a buy and hold. I would say contributions are coming in. So anytime there's a dip, we just use it as a buying opportunity. I can't time the market. BlackRock has their Aladdin software, which is the biggest one in the world. They can't time the market either, and I just wouldn't even bother trying because people try to rank COVID. That was hard enough as it was. Right now, it seems to be a little bit more random than even COVID was. Easy done. From here so, again, two emails coming out to you and, actually, three beneficiaries will come out tomorrow from the admin team. Outside of that, I'll punch in for a twelve month review this time next year. Do you want me to put in anything for a catch up end of this year, sometime next year, any kind of quarterlies or six monthlies you would like? Cool. I was just gonna get someone to touch base in in the new year and see how you went with the contributions. Just a reminder in case you forget. Other than that, twelve months, I'll have that review ready to go. Awesome. Or any questions for me before I let you go? Amazing. Thank you for your time, mate, and I will talk to you soon. Cheers. 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evening, Rory. It's Tommy here, senior adviser, mate. Thank you so much for calling back. No. You're totally alright, mate.\n\nI know how it is. Sometimes work goes over, and we do what we must say. Awesome. Now I really wanna get in touch with you for a couple of things. So your your sort of your updated strategy, everything that we're trying to sort of update change going forward, that's all ready to kind of look at with you.\n\nMy first question for tonight is do you have access to your emails to have a look at the the strategy document with me today, or should I just kinda give you a bit of a walk through? Yep. No worries at all. So what I'll do is I'll send it through just so it's there. It'll go through your Gmail still okay for the main email address?\n\nPerfect. So what's coming through is basically a statement of advice, a research appendix, and a few product documents with, you know, all the PDFs from the super funds and providers and things like that. Also, sending you through a bit of an updated service guide with Oakview as well. So a few supporting docs, but one main one, if that makes sense. Now main thing is so your file, you had a conversation with Kyle before the end of financial year, and there was a few changes we were trying to make.\n\nUnfortunately, the world kind of exploded a few times in between then and now, so we've had to make a few additional pivots for this whole updated plan just to mix in what's going on with the Iran war, the interest rates going up, the capital gains tax changes. I don't know if you've seen all that happening on the news. Cool. So there's a few things that we're updating in here, but there's a main one here I wanted to touch base on just in terms of your contributions to super, just all the salary sacrifice and everything like that. Now in terms of, I guess, the scope of advice, it was doing the contribution advice, the portfolio, a few estate planning things.\n\nI don't believe we were doing anything with your insurances at this place because you've got workplace cover that kind of protects you if that rings a bell. Cool. And now just because this is the first time I've spoken to you, I wanna double just check the goals here. We had you obviously really focusing on building up the savings and paying off the mortgage, a few sort of things that you're, you know, obviously handling yourself personally. Does that sound about the main focus?\n\nIs there anything I've missed there? The the carry forward rule. Yep. Yeah. Yeah.\n\nPerfect. And so you've already kept on top of, like, your myGov account to see how much is kinda left over? Perfect. Perfect. So the main thing in this document here alongside the portfolio changes is I've just had to put in a lot of disclaimers around the contributions kind of thing because that salary sacrifice amount, like, obviously, if you continued it for the full financial year, we're talking like another 50 something thousand dollars of combined concessional contributions, which would really push you over.\n\nAnd the second thing is just with your income being up as high as it is, your I've I've given you some estimates on the division two nine three taxes. I don't know if you got that in the last couple of tax returns, those notices from the ATO. Cool. So the long and short of it is if your income and contributions combined is above 250,000, the government pretty much just hits you with an extra 15% tax. But rather than taking it out of the super fund, they actually send you a bill for it at your tax return, and you can elect to either pay it personally or have the money come out of the super fund to pay it.\n\nYeah. So there's a bit of a formula where they say if it's your either your excess contributions above it or lesser of another amount, and they basically then calculate another 15%. It still works out for the high income earners to still be a tax savings, but instead of, you know, 22% tax savings or 30%, it goes down to more like a sixteen, eighteen kind of thing for those extra little amounts. Yep. So just a heads up when you do your tax return, that'll come through.\n\nMy estimates in the document was just pretty much if you stopped all the salary sacrifice now, what it would look like just based on pay calculator and a few things like that. Cool. I've based just the projections on your employer contributions going forward because, again, I don't wanna just put in there that you're chucking in $50 a year for a decade and all the taxes that come with it. So I've just gone as conservative as I can with the projections. The 12 percent after that.\n\nYeah. Perfect. So it's 32.5 now, and, obviously, that includes your employee contributions. You'll still possibly I think based on your income, would I have it as 262? Does that sound about right?\n\nGotcha. So what I'm thinking is you you're probably right on that threshold where even without any salary sacrifice, you'll probably still fall into that div two nine three category, a bit like my father-in-law and a lot of mining guys, where just expect a small bill every tax return for a little bit of extra contributions tax. Cool. Now sort of main things. So we've got assets and liabilities listed in there.\n\nIf you read the document and there's any major changes, just let us know. The quick and short of it is a bit of an overhaul of the portfolio. So with the Hub 24, because it's a wrap platform, we do have to factor in things like capital gains tax under the hood and factor that into the projections whenever we change investments, if that makes sense. So what we've got here is a full kind of update is looking at around about 1,500 of capital gains tax for the super, but a fee savings we're we're able to get the fees the investment fees down in half. That'll save at least $7.50 a year based on your current balance.\n\nBecause it's percentage based, that kind of balloons out as your balance grows, if that makes sense. In terms of average returns, your growth risk profile, you you kind of wanna hit that kind of nine nine, 10% average long term. Some years, it goes up 20, some down 15. Average that as a benchmark to keep you on track. You're currently at eight and a half.\n\nNew portfolio is just shy of 11 after fees, taxes, Quite a few disclaimers in here. Again, I think what we're looking at here just based on your high income is a ten year projection a little over 700,000 currently. If we update the portfolio, you could hit close to 900,000 in ten years. So you're really gonna get to that point based on your current balance where you're gonna have this huge acceleration where every 20% return is another fifty, eighty, 100 grams. Once we've built it up to that amount that you need, we're probably gonna switch the conversation to when do we reduce risk and start to protect it in the lead up to retirement.\n\nSo, again, bit of an acceleration and then a bit of a talk of a hard stop at some point or a bit of a tapering off, so so to speak. We had you wanting to kind of retire as early as possible at age 60. Sound about right? Yeah. Unfortunately, the all these changes to capital gains tax impacts the normal investing too, not just properties, which is not as fun.\n\nStill nice to invest and grow wealth personally, but just not as tax effective. I think the main thing to keep in mind too is eighteen years until retirement, you've kind of got two and a half market cycles left. So what that kind of tells me is, you know, every seven years, there's a global financial crisis or a COVID or a crash of some kind if that that rings a bell. Pretty much, we go through a couple of those, keep those high returns for as long as we can. In the last seven to nine years, that's probably when you've got that, you know, mil, mil and a half, and we start tapering it down and protecting it.\n\nBeyond that, really, it was just the contributions I wanted to run by you. If you're already on top of that for January, that's fantastic. The investments that we're switching. So there's quite a few in there that are gonna be updated based on my recommendation and Carl's research. Main thing I wanted to let you know is one in particular, the Benelong, was the one that was kind of dragging its feet underperforming.\n\nThat's being replaced with a low fee index funds. So it's, like, 80% cheaper, way better performance over one three five in ten years, which is pretty much perfect. There's some term deposits in there that we have to remove because the government's phasing them out next year. We've had a huge return out of those, but we just wanna sell them before everybody has to get out of that type of term deposit and just switch it with a bit of a sidestep. Most everything else will be pretty much rebalanced to where it should be.\n\nYou know, you're keeping gold, for example, but we're just gonna bring it back to the 10% and a couple of new options in there for the lower fees. Outside of that, I don't believe there was really much else to do. Asset allocation is still staying around the 80% mark for that growth risk profile. We were getting your partner listed as beneficiary for Hub twenty four. Not sure if you've already kind of filled those forms in since you spoke to Kyle or if you need me to kind of post out some fresh ones.\n\nCool. Would it be easier to kind of email them to print out, scan, and send back, or should we just post them with, like, a return envelope? Would that be easier? Easy done. I'll let the team know to email those out.\n\nA few reminders in there about wills and powers of attorney, and that's pretty much it for the time being. I know you're in the car at the moment, but does all that kinda make sense? Yeah. The good thing at least is I've included, like, some links and a few of the terminology there. So if you have it kind of curious to kind of break it down, you should just be able to jump into the ATO website.\n\nIt'll take you right there, and you can kind of have a read. If you want further clarification, just call up, and we can have a chat. Cool. One thing I will do as well just quickly is I'm gonna double check just while I've got your ID just to make sure we've got it all up to date on file. Can you bear with me just for a few more seconds?\n\nAlright. There you are, Rory. ID. Currently sitting at 320,000 at the moment. We've got a bit of a updated service guide I mentioned earlier where we're updating kind of fee structures and things like that.\n\nSo what I might do, if you're comfortable, is we've kind of got you on until March for the current consent for us to be advisers on Hub twenty four. We have just brought in some discounts for clients above 200,000 where instead of 1.65%, drops down to 1.3 7. When you hit 500,000, it drops again to 1.1%. Do you want me to kind of send through one of those separately to have a look at? Pretty much.\n\nYeah. So what basically happens is the consent forms are kind of like no lock in contracts for, like, a twelve month consent for us to be advisers, charge fees, make transactions on your behalf. Your current one is the standard 1.65 for Oakview, which runs till March. If we refresh one now, we can get you into that next bracket already as of today. Yes.\n\nLook. We've got plenty of clients, 0.5 a mil, a mil. We've got a couple approaching the 2 mil mark. You'd be surprised that when you hit those late forties, how much it kind of compounds out to be, early fifties. And then that conversation is like, oh, my 700,000 dropped to $5.80 and went back up to $8.20.\n\nThis is getting a little bit too real. Can we just, like, slow things down and protect it? It it's nice to kind of aim for the moment. We've added brackets in for 2 to 500,000, 500 and above. Would be pretty funny if we did it on the 500,000 income.\n\nNo. We don't have any $2,000,000 salary clients. Yep. Perfect. So it'll just be two separate emails.\n\nOne for the statement of advice for the investment switches. The other one will be the new consent form with the updated fee structure and service guide. Yeah. So we actually met with are you familiar with, like, Vanguard and BlackRock and those kind of big fund manager names? So we we had a portfolio built for us by BlackRock who sort of first in Australia to to kind of build one with them, and we just spoke to them earlier in the week.\n\nNormally, what tends to happen, and I'll give you my honest answer here, every seven years, there's a, you know, crash and growth cycle, crash and growth, crash and growth, and those long term averages, you know, they bounce between the 8% to 14% depending on how bad that year is, if that makes sense. What we're kind of seeing at the moment is a little bit different where on one side of things, you've got the the high inflation, low productivity, the debts, the the interest rates hitting the homeowners in Australia and and all that kind of thing. So there's a lot of areas where things look like they're they're getting to a bit of a breaking point and quite bad. Then on the flip side, there's a huge further towards, you know, the AI build outs and all that kind of thing where people are talking about 80%, 400%, 4,000 growth in different sectors, which between those companies, the money that they're spending is flowing out around the world to even tradies in Australia earning $3,400 to set up a data center. So there's a huge kind of economic issue and crash potential on the left side, and then there's also a huge growth sitting over here with that amount of spending spreading around the world.\n\nSo what it's kinda looking at is some countries and sectors are probably, like, crash prone, and some countries and sectors are probably growth prone. One could crash 40% while the other one, some companies are up 4000%. So what that really means coming back is depending on the satellites we invest you in, there could be huge growth or the main issues. And then combined that buzzword of volatility. The the general markets are gonna be higher highs, lower lows for the whole rest of this year and at least the first six months of next year.\n\nSo the Australian market, American market, up and down like a yo yo, and then alongside that, major trends of either this going down while that soars up. Does that kind of answer the question a bit? Yeah. Yeah. I mean, in terms of your balance as an example, when that January issue kicked in, you went from $2.86 to $2.69 and then back up to 300,000 in a matter of weeks.\n\nYeah. To be honest, that's kind of good advice for this next twelve months. One of the things that we're basically playing is a bit of a law of averages where it's gonna be going up and down $20.30, $40,000 every couple of months. And once you average it out over five years, we're trying to make sure we're hitting that 12%, whereas everyone else is getting seven, eight. That's gonna compound nicely for you.\n\nBut in between, you almost basically just wanna play a I wouldn't say a buy and hold. I would say contributions are coming in. So anytime there's a dip, we just use it as a buying opportunity. I can't time the market. BlackRock has their Aladdin software, which is the biggest one in the world.\n\nThey can't time the market either, and I just wouldn't even bother trying because people try to rank COVID. That was hard enough as it was. Right now, it seems to be a little bit more random than even COVID was. Easy done. From here so, again, two emails coming out to you and, actually, three beneficiaries will come out tomorrow from the admin team.\n\nOutside of that, I'll punch in for a twelve month review this time next year. Do you want me to put in anything for a catch up end of this year, sometime next year, any kind of quarterlies or six monthlies you would like? Cool. I was just gonna get someone to touch base in in the new year and see how you went with the contributions. Just a reminder in case you forget.\n\nOther than that, twelve months, I'll have that review ready to go. Awesome. Or any questions for me before I let you go? Amazing. Thank you for your time, mate, and I will talk to you soon.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Good evening, Rory.","start":1.52,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.3207699755827586},{"text":"It's Tommy here, senior adviser, mate.","start":2.3999999,"end":4.16,"sentiment":"neutral","sentiment_score":0.29374227424462634},{"text":"Thank you so much for calling back.","start":4.16,"end":5.62,"sentiment":"positive","sentiment_score":0.6031130126544407},{"text":"No.","start":13.985,"end":14.224999,"sentiment":"neutral","sentiment_score":-0.17089498043060303},{"text":"You're totally alright, mate.","start":14.224999,"end":15.344999,"sentiment":"neutral","sentiment_score":0.0006628325209021568}],"sentiment":"neutral","sentiment_score":0.32277671478333925,"num_words":21,"start":1.52,"end":15.344999},{"sentences":[{"text":"I know how it is.","start":15.344999,"end":16.145,"sentiment":"neutral","sentiment_score":0.022239573299884796},{"text":"Sometimes work goes over, and we do what we must say.","start":16.145,"end":19.445,"sentiment":"neutral","sentiment_score":0.020164658400145443},{"text":"Awesome.","start":22.865,"end":23.345,"sentiment":"positive","sentiment_score":0.6524897813796997},{"text":"Now I really wanna get in touch with you for a couple of things.","start":23.345,"end":26.544998,"sentiment":"positive","sentiment_score":0.41539485113961355},{"text":"So your your sort of your updated strategy, everything that we're trying to sort of update change going forward, that's all ready to kind of look at with you.","start":26.544998,"end":36.95,"sentiment":"positive","sentiment_score":0.43655670408544867}],"sentiment":"neutral","sentiment_score":0.3243528537452221,"num_words":60,"start":15.344999,"end":36.95},{"sentences":[{"text":"My first question for tonight is do you have access to your emails to have a look at the the strategy document with me today, or should I just kinda give you a bit of a walk through?","start":38.05,"end":46.915,"sentiment":"neutral","sentiment_score":0.15157053051026245},{"text":"Yep.","start":55.69,"end":56.09,"sentiment":"neutral","sentiment_score":0.12330888211727142},{"text":"No worries at all.","start":56.09,"end":56.97,"sentiment":"neutral","sentiment_score":0.14352651312947273},{"text":"So what I'll do is I'll send it through just so it's there.","start":56.97,"end":60.43,"sentiment":"neutral","sentiment_score":0.13369599099342638},{"text":"It'll go through your Gmail still okay for the main email address?","start":61.29,"end":64.725,"sentiment":"neutral","sentiment_score":0.11234533227980137}],"sentiment":"neutral","sentiment_score":0.14034245535731316,"num_words":68,"start":38.05,"end":64.725},{"sentences":[{"text":"Perfect.","start":67.284996,"end":67.784996,"sentiment":"positive","sentiment_score":0.3474523425102234},{"text":"So what's coming through is basically a statement of advice, a research appendix, and a few product documents with, you know, all the PDFs from the super funds and providers and things like that.","start":67.845,"end":80.2,"sentiment":"neutral","sentiment_score":0.16264027006485882},{"text":"Also, sending you through a bit of an updated service guide with Oakview as well.","start":81.939995,"end":85.22,"sentiment":"neutral","sentiment_score":0.15710994650920232},{"text":"So a few supporting docs, but one main one, if that makes sense.","start":85.22,"end":88.6,"sentiment":"neutral","sentiment_score":0.11064997487343274},{"text":"Now main thing is so your file, you had a conversation with Kyle before the end of financial year, and there was a few changes we were trying to make.","start":91.695,"end":99.635,"sentiment":"neutral","sentiment_score":0.018586042275031408}],"sentiment":"neutral","sentiment_score":0.10999894262321534,"num_words":93,"start":67.284996,"end":99.635},{"sentences":[{"text":"Unfortunately, the world kind of exploded a few times in between then and now, so we've had to make a few additional pivots for this whole updated plan just to mix in what's going on with the Iran war, the interest rates going up, the capital gains tax changes.","start":100.095,"end":115.05,"sentiment":"neutral","sentiment_score":-0.08981980208535584},{"text":"I don't know if you've seen all that happening on the news.","start":115.05,"end":117.71001,"sentiment":"neutral","sentiment_score":-0.10258015307287376},{"text":"Cool.","start":121.61,"end":121.93,"sentiment":"positive","sentiment_score":0.34126198291778564},{"text":"So there's a few things that we're updating in here, but there's a main one here I wanted to touch base on just in terms of your contributions to super, just all the salary sacrifice and everything like that.","start":121.93,"end":132.13501,"sentiment":"neutral","sentiment_score":0.1082617978637035},{"text":"Now in terms of, I guess, the scope of advice, it was doing the contribution advice, the portfolio, a few estate planning things.","start":132.91501,"end":142.11,"sentiment":"neutral","sentiment_score":0.05771245783113915}],"sentiment":"neutral","sentiment_score":0.002086503956947596,"num_words":124,"start":100.095,"end":142.11},{"sentences":[{"text":"I don't believe we were doing anything with your insurances at this place because you've got workplace cover that kind of protects you if that rings a bell.","start":142.57,"end":151.005,"sentiment":"neutral","sentiment_score":-0.12638934741594962},{"text":"Cool.","start":153.865,"end":154.265,"sentiment":"positive","sentiment_score":0.6403985023498535},{"text":"And now just because this is the first time I've spoken to you, I wanna double just check the goals here.","start":154.265,"end":158.765,"sentiment":"neutral","sentiment_score":0.21338083914348058},{"text":"We had you obviously really focusing on building up the savings and paying off the mortgage, a few sort of things that you're, you know, obviously handling yourself personally.","start":159.30501,"end":169.12,"sentiment":"neutral","sentiment_score":0.14727039069964967},{"text":"Does that sound about the main focus?","start":169.42,"end":171.34,"sentiment":"neutral","sentiment_score":0.07385196749653135}],"sentiment":"neutral","sentiment_score":0.07407324999397577,"num_words":86,"start":142.57,"end":171.34},{"sentences":[{"text":"Is there anything I've missed there?","start":171.34,"end":172.88,"sentiment":"neutral","sentiment_score":-0.015875620146592457},{"text":"The the carry forward rule.","start":191.47,"end":192.93,"sentiment":"neutral","sentiment_score":-0.013647398725152016},{"text":"Yep.","start":194.26999,"end":194.76999,"sentiment":"neutral","sentiment_score":0.01519264280796051},{"text":"Yeah.","start":202.67,"end":203.145,"sentiment":"neutral","sentiment_score":-0.01223214715719223},{"text":"Yeah.","start":232.59,"end":232.875,"sentiment":"neutral","sentiment_score":-0.008892018347978592}],"sentiment":"neutral","sentiment_score":-0.012101588371608938,"num_words":14,"start":171.34,"end":232.875},{"sentences":[{"text":"Perfect.","start":236.395,"end":236.795,"sentiment":"positive","sentiment_score":0.6913623213768005},{"text":"And so you've already kept on top of, like, your myGov account to see how much is kinda left over?","start":236.795,"end":241.775,"sentiment":"neutral","sentiment_score":0.3043321445584297},{"text":"Perfect.","start":251.45,"end":251.93,"sentiment":"positive","sentiment_score":0.7215064764022827},{"text":"Perfect.","start":251.93,"end":252.41,"sentiment":"positive","sentiment_score":0.5678508281707764},{"text":"So the main thing in this document here alongside the portfolio changes is I've just had to put in a lot of disclaimers around the contributions kind of thing because that salary sacrifice amount, like, obviously, if you continued it for the full financial year, we're talking like another 50 something thousand dollars of combined concessional contributions, which would really push you over.","start":252.41,"end":274.57,"sentiment":"neutral","sentiment_score":0.01550852841446324}],"sentiment":"neutral","sentiment_score":0.10516743961894928,"num_words":86,"start":236.395,"end":274.57},{"sentences":[{"text":"And the second thing is just with your income being up as high as it is, your I've I've given you some estimates on the division two nine three taxes.","start":274.95,"end":284.73,"sentiment":"neutral","sentiment_score":-0.000525311823002994},{"text":"I don't know if you got that in the last couple of tax returns, those notices from the ATO.","start":284.79,"end":289.455,"sentiment":"neutral","sentiment_score":-0.0384977052086278},{"text":"Cool.","start":295.115,"end":295.515,"sentiment":"neutral","sentiment_score":0.1673204004764557},{"text":"So the long and short of it is if your income and contributions combined is above 250,000, the government pretty much just hits you with an extra 15% tax.","start":295.515,"end":305.0,"sentiment":"neutral","sentiment_score":-0.020778914801134116},{"text":"But rather than taking it out of the super fund, they actually send you a bill for it at your tax return, and you can elect to either pay it personally or have the money come out of the super fund to pay it.","start":305.22,"end":324.26498,"sentiment":"neutral","sentiment_score":0.03486010307361456}],"sentiment":"neutral","sentiment_score":0.002856590673403163,"num_words":123,"start":274.95,"end":324.26498},{"sentences":[{"text":"Yeah.","start":324.26498,"end":324.585,"sentiment":"neutral","sentiment_score":0.037985652685165405},{"text":"So there's a bit of a formula where they say if it's your either your excess contributions above it or lesser of another amount, and they basically then calculate another 15%.","start":324.585,"end":334.88998,"sentiment":"neutral","sentiment_score":0.040997465892184164},{"text":"It still works out for the high income earners to still be a tax savings, but instead of, you know, 22% tax savings or 30%, it goes down to more like a sixteen, eighteen kind of thing for those extra little amounts.","start":334.88998,"end":348.21503,"sentiment":"neutral","sentiment_score":0.09197766790609985},{"text":"Yep.","start":350.67502,"end":350.915,"sentiment":"neutral","sentiment_score":0.05066020041704178},{"text":"So just a heads up when you do your tax return, that'll come through.","start":350.915,"end":354.45502,"sentiment":"neutral","sentiment_score":0.0017350129783153534}],"sentiment":"neutral","sentiment_score":0.05895415201699466,"num_words":89,"start":324.26498,"end":354.45502},{"sentences":[{"text":"My estimates in the document was just pretty much if you stopped all the salary sacrifice now, what it would look like just based on pay calculator and a few things like that.","start":354.595,"end":363.58,"sentiment":"neutral","sentiment_score":0.003484513582379529},{"text":"Cool.","start":366.04,"end":366.54,"sentiment":"positive","sentiment_score":0.4321832060813904},{"text":"I've based just the projections on your employer contributions going forward because, again, I don't wanna just put in there that you're chucking in $50 a year for a decade and all the taxes that come with it.","start":367.72,"end":378.63498,"sentiment":"neutral","sentiment_score":0.10821873594173476},{"text":"So I've just gone as conservative as I can with the projections.","start":378.63498,"end":381.455,"sentiment":"neutral","sentiment_score":0.23368005640804768},{"text":"The 12 percent after that.","start":396.97,"end":398.475,"sentiment":"neutral","sentiment_score":0.07667296081781387}],"sentiment":"neutral","sentiment_score":0.0881686472030503,"num_words":89,"start":354.595,"end":398.475},{"sentences":[{"text":"Yeah.","start":414.81,"end":415.05,"sentiment":"neutral","sentiment_score":0.24716125428676605},{"text":"Perfect.","start":415.05,"end":415.44998,"sentiment":"positive","sentiment_score":0.3946425914764404},{"text":"So it's 32.5 now, and, obviously, that includes your employee contributions.","start":415.44998,"end":419.87,"sentiment":"neutral","sentiment_score":0.09678921746936711},{"text":"You'll still possibly I think based on your income, would I have it as 262?","start":421.61,"end":428.145,"sentiment":"neutral","sentiment_score":0.030193870266278584},{"text":"Does that sound about right?","start":428.145,"end":429.365,"sentiment":"neutral","sentiment_score":0.05540073737502098}],"sentiment":"neutral","sentiment_score":0.07383021147865237,"num_words":33,"start":414.81,"end":429.365},{"sentences":[{"text":"Gotcha.","start":444.32,"end":444.82,"sentiment":"neutral","sentiment_score":0.04045146703720093},{"text":"So what I'm thinking is you you're probably right on that threshold where even without any salary sacrifice, you'll probably still fall into that div two nine three category, a bit like my father-in-law and a lot of mining guys, where just expect a small bill every tax return for a little bit of extra contributions tax.","start":444.96002,"end":461.67502,"sentiment":"neutral","sentiment_score":0.0035219226980157067},{"text":"Cool.","start":463.89502,"end":464.31,"sentiment":"neutral","sentiment_score":0.12006956338882446},{"text":"Now sort of main things.","start":464.79,"end":465.59,"sentiment":"neutral","sentiment_score":0.03716922141611576},{"text":"So we've got assets and liabilities listed in there.","start":465.59,"end":467.75,"sentiment":"neutral","sentiment_score":0.05822677703367339}],"sentiment":"neutral","sentiment_score":0.01467339348762411,"num_words":73,"start":444.32,"end":467.75},{"sentences":[{"text":"If you read the document and there's any major changes, just let us know.","start":467.75,"end":471.21,"sentiment":"neutral","sentiment_score":0.03280498779245785},{"text":"The quick and short of it is a bit of an overhaul of the portfolio.","start":472.47,"end":477.37,"sentiment":"neutral","sentiment_score":0.0699408786992232},{"text":"So with the Hub 24, because it's a wrap platform, we do have to factor in things like capital gains tax under the hood and factor that into the projections whenever we change investments, if that makes sense.","start":477.59,"end":489.755,"sentiment":"neutral","sentiment_score":0.13896194982685542},{"text":"So what we've got here is a full kind of update is looking at around about 1,500 of capital gains tax for the super, but a fee savings we're we're able to get the fees the investment fees down in half.","start":491.75,"end":502.89,"sentiment":"positive","sentiment_score":0.33732565328842257},{"text":"That'll save at least $7.50 a year based on your current balance.","start":502.95,"end":507.05002,"sentiment":"positive","sentiment_score":0.5002884591619173}],"sentiment":"neutral","sentiment_score":0.2218562533147633,"num_words":120,"start":467.75,"end":507.05002},{"sentences":[{"text":"Because it's percentage based, that kind of balloons out as your balance grows, if that makes sense.","start":507.345,"end":512.085,"sentiment":"positive","sentiment_score":0.3338240919744267},{"text":"In terms of average returns, your growth risk profile, you you kind of wanna hit that kind of nine nine, 10% average long term.","start":515.105,"end":524.19,"sentiment":"neutral","sentiment_score":0.15130457313110432},{"text":"Some years, it goes up 20, some down 15.","start":524.19,"end":526.93,"sentiment":"neutral","sentiment_score":0.1964244676960839},{"text":"Average that as a benchmark to keep you on track.","start":527.47003,"end":530.13,"sentiment":"positive","sentiment_score":0.346351632475853},{"text":"You're currently at eight and a half.","start":530.19,"end":532.29004,"sentiment":"neutral","sentiment_score":0.1019062591450555}],"sentiment":"neutral","sentiment_score":0.22762686069776764,"num_words":67,"start":507.345,"end":532.29004},{"sentences":[{"text":"New portfolio is just shy of 11 after fees, taxes, Quite a few disclaimers in here.","start":532.43,"end":544.115,"sentiment":"neutral","sentiment_score":-0.02810081245843321},{"text":"Again, I think what we're looking at here just based on your high income is a ten year projection a little over 700,000 currently.","start":544.115,"end":552.35,"sentiment":"neutral","sentiment_score":0.04991094131643573},{"text":"If we update the portfolio, you could hit close to 900,000 in ten years.","start":552.81,"end":557.14996,"sentiment":"neutral","sentiment_score":0.15828088990279607},{"text":"So you're really gonna get to that point based on your current balance where you're gonna have this huge acceleration where every 20% return is another fifty, eighty, 100 grams.","start":557.37,"end":568.885,"sentiment":"neutral","sentiment_score":0.1586448756357034},{"text":"Once we've built it up to that amount that you need, we're probably gonna switch the conversation to when do we reduce risk and start to protect it in the lead up to retirement.","start":569.34503,"end":578.72504,"sentiment":"neutral","sentiment_score":0.15090977751156864}],"sentiment":"neutral","sentiment_score":0.10893610809629752,"num_words":118,"start":532.43,"end":578.72504},{"sentences":[{"text":"So, again, bit of an acceleration and then a bit of a talk of a hard stop at some point or a bit of a tapering off, so so to speak.","start":581.33,"end":589.27,"sentiment":"neutral","sentiment_score":-0.0026319837498088037},{"text":"We had you wanting to kind of retire as early as possible at age 60.","start":590.77,"end":594.31,"sentiment":"neutral","sentiment_score":0.060117546717325845},{"text":"Sound about right?","start":594.45,"end":595.245,"sentiment":"neutral","sentiment_score":0.0632084272801876},{"text":"Yeah.","start":608.62,"end":608.94,"sentiment":"neutral","sentiment_score":-0.09100469201803207},{"text":"Unfortunately, the all these changes to capital gains tax impacts the normal investing too, not just properties, which is not as fun.","start":608.94,"end":617.36005,"sentiment":"negative","sentiment_score":-0.4314481033520265}],"sentiment":"neutral","sentiment_score":-0.11907036082508664,"num_words":72,"start":581.33,"end":617.36005},{"sentences":[{"text":"Still nice to invest and grow wealth personally, but just not as tax effective.","start":617.82,"end":622.48004,"sentiment":"neutral","sentiment_score":-0.10188265703618526},{"text":"I think the main thing to keep in mind too is eighteen years until retirement, you've kind of got two and a half market cycles left.","start":623.605,"end":631.865,"sentiment":"neutral","sentiment_score":-0.1653155033978132},{"text":"So what that kind of tells me is, you know, every seven years, there's a global financial crisis or a COVID or a crash of some kind if that that rings a bell.","start":632.165,"end":640.55,"sentiment":"neutral","sentiment_score":-0.2868466508207899},{"text":"Pretty much, we go through a couple of those, keep those high returns for as long as we can.","start":643.41,"end":648.45,"sentiment":"neutral","sentiment_score":0.092084152722045},{"text":"In the last seven to nine years, that's probably when you've got that, you know, mil, mil and a half, and we start tapering it down and protecting it.","start":648.45,"end":656.185,"sentiment":"neutral","sentiment_score":-0.07250426838110233}],"sentiment":"neutral","sentiment_score":-0.1284588813658588,"num_words":121,"start":617.82,"end":656.185},{"sentences":[{"text":"Beyond that, really, it was just the contributions I wanted to run by you.","start":659.445,"end":663.845,"sentiment":"neutral","sentiment_score":0.2428030792091574},{"text":"If you're already on top of that for January, that's fantastic.","start":663.845,"end":666.585,"sentiment":"positive","sentiment_score":0.5451099276542664},{"text":"The investments that we're switching.","start":668.75,"end":670.37,"sentiment":"neutral","sentiment_score":0.3247341811656952},{"text":"So there's quite a few in there that are gonna be updated based on my recommendation and Carl's research.","start":670.99,"end":677.49,"sentiment":"neutral","sentiment_score":0.15401873423864967},{"text":"Main thing I wanted to let you know is one in particular, the Benelong, was the one that was kind of dragging its feet underperforming.","start":678.43,"end":684.205,"sentiment":"neutral","sentiment_score":-0.29238611727952957}],"sentiment":"neutral","sentiment_score":0.08967332753377992,"num_words":74,"start":659.445,"end":684.205},{"sentences":[{"text":"That's being replaced with a low fee index funds.","start":686.425,"end":689.225,"sentiment":"neutral","sentiment_score":-0.03398466565542751},{"text":"So it's, like, 80% cheaper, way better performance over one three five in ten years, which is pretty much perfect.","start":689.225,"end":695.88,"sentiment":"neutral","sentiment_score":0.3039703227579594},{"text":"There's some term deposits in there that we have to remove because the government's phasing them out next year.","start":696.68,"end":701.48,"sentiment":"neutral","sentiment_score":-0.21899204642364853},{"text":"We've had a huge return out of those, but we just wanna sell them before everybody has to get out of that type of term deposit and just switch it with a bit of a sidestep.","start":701.48,"end":710.47504,"sentiment":"neutral","sentiment_score":0.2726254579093721},{"text":"Most everything else will be pretty much rebalanced to where it should be.","start":711.895,"end":715.41504,"sentiment":"positive","sentiment_score":0.3416456992809589}],"sentiment":"neutral","sentiment_score":0.16359387791341112,"num_words":97,"start":686.425,"end":715.41504},{"sentences":[{"text":"You know, you're keeping gold, for example, but we're just gonna bring it back to the 10% and a couple of new options in there for the lower fees.","start":715.41504,"end":723.12,"sentiment":"positive","sentiment_score":0.3511674393867624},{"text":"Outside of that, I don't believe there was really much else to do.","start":727.36,"end":730.42,"sentiment":"neutral","sentiment_score":-0.14210768043994904},{"text":"Asset allocation is still staying around the 80% mark for that growth risk profile.","start":730.56,"end":734.58,"sentiment":"neutral","sentiment_score":0.05725140922835895},{"text":"We were getting your partner listed as beneficiary for Hub twenty four.","start":736.0,"end":740.46497,"sentiment":"neutral","sentiment_score":0.05376469995826483},{"text":"Not sure if you've already kind of filled those forms in since you spoke to Kyle or if you need me to kind of post out some fresh ones.","start":740.46497,"end":747.205,"sentiment":"neutral","sentiment_score":-0.048732908506845606}],"sentiment":"neutral","sentiment_score":0.08628760493293251,"num_words":97,"start":715.41504,"end":747.205},{"sentences":[{"text":"Cool.","start":758.96,"end":759.46,"sentiment":"neutral","sentiment_score":0.2916452884674072},{"text":"Would it be easier to kind of email them to print out, scan, and send back, or should we just post them with, like, a return envelope?","start":759.76,"end":765.935,"sentiment":"neutral","sentiment_score":0.1799178355269962},{"text":"Would that be easier?","start":765.935,"end":766.915,"sentiment":"neutral","sentiment_score":0.14431795477867126},{"text":"Easy done.","start":776.735,"end":777.295,"sentiment":"positive","sentiment_score":0.4531659036874771},{"text":"I'll let the team know to email those out.","start":777.295,"end":779.76996,"sentiment":"positive","sentiment_score":0.350710219807095}],"sentiment":"neutral","sentiment_score":0.22766098726627437,"num_words":43,"start":758.96,"end":779.76996},{"sentences":[{"text":"A few reminders in there about wills and powers of attorney, and that's pretty much it for the time being.","start":780.07,"end":786.64996,"sentiment":"neutral","sentiment_score":0.11654405295848846},{"text":"I know you're in the car at the moment, but does all that kinda make sense?","start":787.43,"end":790.515,"sentiment":"neutral","sentiment_score":-0.045628271414898336},{"text":"Yeah.","start":819.505,"end":820.005,"sentiment":"neutral","sentiment_score":-0.008417666889727116},{"text":"The good thing at least is I've included, like, some links and a few of the terminology there.","start":823.66504,"end":828.385,"sentiment":"positive","sentiment_score":0.5005388028091855},{"text":"So if you have it kind of curious to kind of break it down, you should just be able to jump into the ATO website.","start":828.385,"end":833.14,"sentiment":"neutral","sentiment_score":0.2413404393196106}],"sentiment":"neutral","sentiment_score":0.2079452560399659,"num_words":80,"start":780.07,"end":833.14},{"sentences":[{"text":"It'll take you right there, and you can kind of have a read.","start":833.14,"end":836.02,"sentiment":"neutral","sentiment_score":0.14984764932439879},{"text":"If you want further clarification, just call up, and we can have a chat.","start":836.02,"end":839.64,"sentiment":"neutral","sentiment_score":0.054154684501034875},{"text":"Cool.","start":842.9,"end":843.4,"sentiment":"positive","sentiment_score":0.5410923957824707},{"text":"One thing I will do as well just quickly is I'm gonna double check just while I've got your ID just to make sure we've got it all up to date on file.","start":843.77997,"end":854.035,"sentiment":"neutral","sentiment_score":0.12914226238023152},{"text":"Can you bear with me just for a few more seconds?","start":854.175,"end":856.275,"sentiment":"neutral","sentiment_score":0.021040755747394127}],"sentiment":"neutral","sentiment_score":0.10750583877476554,"num_words":72,"start":833.14,"end":856.275},{"sentences":[{"text":"Alright.","start":860.095,"end":860.595,"sentiment":"neutral","sentiment_score":0.06656291335821152},{"text":"There you are, Rory.","start":862.74,"end":863.96,"sentiment":"neutral","sentiment_score":0.04643923602998257},{"text":"ID.","start":864.98,"end":865.48,"sentiment":"neutral","sentiment_score":0.015724090859293938},{"text":"Currently sitting at 320,000 at the moment.","start":870.42,"end":873.345,"sentiment":"neutral","sentiment_score":0.0048365893640688485},{"text":"We've got a bit of a updated service guide I mentioned earlier where we're updating kind of fee structures and things like that.","start":873.58496,"end":880.56494,"sentiment":"neutral","sentiment_score":0.04044904106337091}],"sentiment":"neutral","sentiment_score":0.0342285560650958,"num_words":36,"start":860.095,"end":880.56494},{"sentences":[{"text":"So what I might do, if you're comfortable, is we've kind of got you on until March for the current consent for us to be advisers on Hub twenty four.","start":881.02496,"end":889.57996,"sentiment":"neutral","sentiment_score":0.08335855826735497},{"text":"We have just brought in some discounts for clients above 200,000 where instead of 1.65%, drops down to 1.3 7.","start":890.44,"end":899.1,"sentiment":"neutral","sentiment_score":0.0893656512722373},{"text":"When you hit 500,000, it drops again to 1.1%.","start":899.63995,"end":903.79504,"sentiment":"neutral","sentiment_score":0.01065222556806273},{"text":"Do you want me to kind of send through one of those separately to have a look at?","start":904.49506,"end":908.195,"sentiment":"neutral","sentiment_score":0.017675618020196755},{"text":"Pretty much.","start":917.44,"end":917.92004,"sentiment":"neutral","sentiment_score":0.031116721220314503}],"sentiment":"neutral","sentiment_score":0.06030803000483709,"num_words":79,"start":881.02496,"end":917.92004},{"sentences":[{"text":"Yeah.","start":917.92004,"end":918.16003,"sentiment":"neutral","sentiment_score":0.04107823967933655},{"text":"So what basically happens is the consent forms are kind of like no lock in contracts for, like, a twelve month consent for us to be advisers, charge fees, make transactions on your behalf.","start":918.16003,"end":929.22003,"sentiment":"neutral","sentiment_score":0.07614987047717851},{"text":"Your current one is the standard 1.65 for Oakview, which runs till March.","start":930.01495,"end":935.39496,"sentiment":"neutral","sentiment_score":0.048543048019592576},{"text":"If we refresh one now, we can get you into that next bracket already as of today.","start":935.615,"end":940.815,"sentiment":"neutral","sentiment_score":0.14508305270882213},{"text":"Yes.","start":940.815,"end":941.31,"sentiment":"neutral","sentiment_score":0.0563986673951149}],"sentiment":"neutral","sentiment_score":0.08763703066065456,"num_words":66,"start":917.92004,"end":941.31},{"sentences":[{"text":"Look.","start":953.895,"end":954.05505,"sentiment":"neutral","sentiment_score":0.01937468908727169},{"text":"We've got plenty of clients, 0.5 a mil, a mil.","start":954.05505,"end":956.29504,"sentiment":"neutral","sentiment_score":0.035030906461179255},{"text":"We've got a couple approaching the 2 mil mark.","start":956.29504,"end":958.955,"sentiment":"neutral","sentiment_score":0.029063288536336686},{"text":"You'd be surprised that when you hit those late forties, how much it kind of compounds out to be, early fifties.","start":959.73505,"end":965.99506,"sentiment":"neutral","sentiment_score":-0.11186475218051956},{"text":"And then that conversation is like, oh, my 700,000 dropped to $5.80 and went back up to $8.20.","start":966.06,"end":971.92,"sentiment":"neutral","sentiment_score":-0.044836018648412496}],"sentiment":"neutral","sentiment_score":-0.04279584374468205,"num_words":59,"start":953.895,"end":971.92},{"sentences":[{"text":"This is getting a little bit too real.","start":972.06,"end":973.74,"sentiment":"negative","sentiment_score":-0.5410267487168312},{"text":"Can we just, like, slow things down and protect it?","start":973.74,"end":976.4,"sentiment":"neutral","sentiment_score":-0.2651886478066444},{"text":"It it's nice to kind of aim for the moment.","start":978.3,"end":995.55,"sentiment":"neutral","sentiment_score":-0.012263081315904856},{"text":"We've added brackets in for 2 to 500,000, 500 and above.","start":995.63,"end":999.70996,"sentiment":"neutral","sentiment_score":0.01834448534910652},{"text":"Would be pretty funny if we did it on the 500,000 income.","start":1000.02997,"end":1003.25,"sentiment":"neutral","sentiment_score":-0.04479127191007137}],"sentiment":"neutral","sentiment_score":-0.14585170990276133,"num_words":51,"start":972.06,"end":1003.25},{"sentences":[{"text":"No.","start":1003.55,"end":1003.87,"sentiment":"neutral","sentiment_score":-0.12094329297542572},{"text":"We don't have any $2,000,000 salary clients.","start":1003.87,"end":1007.08997,"sentiment":"neutral","sentiment_score":-0.10275480364050184},{"text":"Yep.","start":1016.205,"end":1016.445,"sentiment":"neutral","sentiment_score":0.20537421107292175},{"text":"Perfect.","start":1016.445,"end":1016.84503,"sentiment":"positive","sentiment_score":0.4072996973991394},{"text":"So it'll just be two separate emails.","start":1016.84503,"end":1018.625,"sentiment":"neutral","sentiment_score":0.17725799764905656}],"sentiment":"neutral","sentiment_score":0.05960311609155992,"num_words":17,"start":1003.55,"end":1018.625},{"sentences":[{"text":"One for the statement of advice for the investment switches.","start":1019.485,"end":1021.985,"sentiment":"neutral","sentiment_score":0.15161984264850617},{"text":"The other one will be the new consent form with the updated fee structure and service guide.","start":1022.24,"end":1026.58,"sentiment":"neutral","sentiment_score":0.1294502466917038},{"text":"Yeah.","start":1082.61,"end":1083.01,"sentiment":"neutral","sentiment_score":-0.007829546928405762},{"text":"So we actually met with are you familiar with, like, Vanguard and BlackRock and those kind of big fund manager names?","start":1083.01,"end":1090.795,"sentiment":"neutral","sentiment_score":0.042711278955851285},{"text":"So we we had a portfolio built for us by BlackRock who sort of first in Australia to to kind of build one with them, and we just spoke to them earlier in the week.","start":1095.015,"end":1105.41,"sentiment":"neutral","sentiment_score":0.11364673056772777}],"sentiment":"neutral","sentiment_score":0.10218566072927344,"num_words":84,"start":1019.485,"end":1105.41},{"sentences":[{"text":"Normally, what tends to happen, and I'll give you my honest answer here, every seven years, there's a, you know, crash and growth cycle, crash and growth, crash and growth, and those long term averages, you know, they bounce between the 8% to 14% depending on how bad that year is, if that makes sense.","start":1106.67,"end":1126.375,"sentiment":"neutral","sentiment_score":-0.13821688131852583},{"text":"What we're kind of seeing at the moment is a little bit different where on one side of things, you've got the the high inflation, low productivity, the debts, the the interest rates hitting the homeowners in Australia and and all that kind of thing.","start":1126.4349,"end":1142.3301,"sentiment":"neutral","sentiment_score":-0.2095106665458944},{"text":"So there's a lot of areas where things look like they're they're getting to a bit of a breaking point and quite bad.","start":1142.55,"end":1148.8151,"sentiment":"negative","sentiment_score":-0.38100565969944},{"text":"Then on the flip side, there's a huge further towards, you know, the AI build outs and all that kind of thing where people are talking about 80%, 400%, 4,000 growth in different sectors, which between those companies, the money that they're spending is flowing out around the world to even tradies in Australia earning $3,400 to set up a data center.","start":1149.435,"end":1175.355,"sentiment":"neutral","sentiment_score":0.10587154340840155},{"text":"So there's a huge kind of economic issue and crash potential on the left side, and then there's also a huge growth sitting over here with that amount of spending spreading around the world.","start":1175.975,"end":1188.78,"sentiment":"neutral","sentiment_score":-0.20483131290358655}],"sentiment":"neutral","sentiment_score":-0.11960396158708829,"num_words":219,"start":1106.67,"end":1188.78},{"sentences":[{"text":"So what it's kinda looking at is some countries and sectors are probably, like, crash prone, and some countries and sectors are probably growth prone.","start":1188.8401,"end":1197.1,"sentiment":"neutral","sentiment_score":-0.16329323455691339},{"text":"One could crash 40% while the other one, some companies are up 4000%.","start":1197.7251,"end":1202.545,"sentiment":"neutral","sentiment_score":-0.14902902165284523},{"text":"So what that really means coming back is depending on the satellites we invest you in, there could be huge growth or the main issues.","start":1203.0851,"end":1213.22,"sentiment":"neutral","sentiment_score":-0.07460536599159241},{"text":"And then combined that buzzword of volatility.","start":1214.0,"end":1217.38,"sentiment":"neutral","sentiment_score":-0.23796113899775914},{"text":"The the general markets are gonna be higher highs, lower lows for the whole rest of this year and at least the first six months of next year.","start":1218.0,"end":1225.3351,"sentiment":"neutral","sentiment_score":-0.31648802970136913}],"sentiment":"neutral","sentiment_score":-0.18787994999818655,"num_words":98,"start":1188.8401,"end":1225.3351},{"sentences":[{"text":"So the Australian market, American market, up and down like a yo yo, and then alongside that, major trends of either this going down while that soars up.","start":1225.395,"end":1235.4951,"sentiment":"neutral","sentiment_score":-0.15931452358407633},{"text":"Does that kind of answer the question a bit?","start":1237.0751,"end":1239.175,"sentiment":"neutral","sentiment_score":-0.05052094782392184},{"text":"Yeah.","start":1269.54,"end":1270.04,"sentiment":"neutral","sentiment_score":0.08698737621307373},{"text":"Yeah.","start":1280.5149,"end":1280.835,"sentiment":"neutral","sentiment_score":-0.050238389521837234},{"text":"I mean, in terms of your balance as an example, when that January issue kicked in, you went from $2.86 to $2.69 and then back up to 300,000 in a matter of weeks.","start":1280.835,"end":1292.78,"sentiment":"neutral","sentiment_score":0.043435479486078926}],"sentiment":"neutral","sentiment_score":-0.047852435847744346,"num_words":72,"start":1225.395,"end":1292.78},{"sentences":[{"text":"Yeah.","start":1306.775,"end":1307.275,"sentiment":"neutral","sentiment_score":0.04823329299688339},{"text":"To be honest, that's kind of good advice for this next twelve months.","start":1310.535,"end":1314.715,"sentiment":"neutral","sentiment_score":0.2474922205393131},{"text":"One of the things that we're basically playing is a bit of a law of averages where it's gonna be going up and down $20.30, $40,000 every couple of months.","start":1315.52,"end":1324.34,"sentiment":"neutral","sentiment_score":0.0417507067322731},{"text":"And once you average it out over five years, we're trying to make sure we're hitting that 12%, whereas everyone else is getting seven, eight.","start":1324.5599,"end":1331.585,"sentiment":"neutral","sentiment_score":0.0422453648597002},{"text":"That's gonna compound nicely for you.","start":1332.125,"end":1334.225,"sentiment":"neutral","sentiment_score":0.2538286621371905}],"sentiment":"neutral","sentiment_score":0.0946301260838906,"num_words":75,"start":1306.775,"end":1334.225},{"sentences":[{"text":"But in between, you almost basically just wanna play a I wouldn't say a buy and hold.","start":1334.2849,"end":1339.8049,"sentiment":"neutral","sentiment_score":0.034532923689659906},{"text":"I would say contributions are coming in.","start":1339.8049,"end":1341.965,"sentiment":"neutral","sentiment_score":0.017935930086033686},{"text":"So anytime there's a dip, we just use it as a buying opportunity.","start":1341.965,"end":1346.7599,"sentiment":"neutral","sentiment_score":0.018954769135094605},{"text":"I can't time the market.","start":1347.5399,"end":1348.9199,"sentiment":"neutral","sentiment_score":-0.14843038320541382},{"text":"BlackRock has their Aladdin software, which is the biggest one in the world.","start":1349.2999,"end":1352.82,"sentiment":"neutral","sentiment_score":-0.08010919220172442}],"sentiment":"neutral","sentiment_score":-0.014991785501214591,"num_words":55,"start":1334.2849,"end":1352.82},{"sentences":[{"text":"They can't time the market either, and I just wouldn't even bother trying because people try to rank COVID.","start":1352.82,"end":1358.5049,"sentiment":"neutral","sentiment_score":-0.13458005338907242},{"text":"That was hard enough as it was.","start":1358.5049,"end":1360.0449,"sentiment":"neutral","sentiment_score":-0.24223451103482926},{"text":"Right now, it seems to be a little bit more random than even COVID was.","start":1360.345,"end":1363.965,"sentiment":"neutral","sentiment_score":-0.18375909129778545},{"text":"Easy done.","start":1368.6649,"end":1369.485,"sentiment":"positive","sentiment_score":0.6894398033618927},{"text":"From here so, again, two emails coming out to you and, actually, three beneficiaries will come out tomorrow from the admin team.","start":1369.625,"end":1377.54,"sentiment":"neutral","sentiment_score":0.22366989607160742}],"sentiment":"neutral","sentiment_score":-0.010914332935443291,"num_words":65,"start":1352.82,"end":1377.54},{"sentences":[{"text":"Outside of that, I'll punch in for a twelve month review this time next year.","start":1378.0801,"end":1383.7001,"sentiment":"neutral","sentiment_score":0.16267500072717667},{"text":"Do you want me to put in anything for a catch up end of this year, sometime next year, any kind of quarterlies or six monthlies you would like?","start":1383.76,"end":1391.775,"sentiment":"neutral","sentiment_score":0.12651208261477537},{"text":"Cool.","start":1408.53,"end":1409.03,"sentiment":"positive","sentiment_score":0.703779935836792},{"text":"I was just gonna get someone to touch base in in the new year and see how you went with the contributions.","start":1409.33,"end":1413.83,"sentiment":"positive","sentiment_score":0.506732236255299},{"text":"Just a reminder in case you forget.","start":1413.89,"end":1415.595,"sentiment":"neutral","sentiment_score":0.16723085939884186}],"sentiment":"neutral","sentiment_score":0.2585335210267756,"num_words":74,"start":1378.0801,"end":1415.595},{"sentences":[{"text":"Other than that, twelve months, I'll have that review ready to go.","start":1416.635,"end":1419.775,"sentiment":"neutral","sentiment_score":0.24528893704215685},{"text":"Awesome.","start":1423.0349,"end":1423.4349,"sentiment":"positive","sentiment_score":0.7363221645355225},{"text":"Or any questions for me before I let you go?","start":1423.4349,"end":1425.455,"sentiment":"positive","sentiment_score":0.36889576315879824},{"text":"Amazing.","start":1428.075,"end":1428.475,"sentiment":"positive","sentiment_score":0.7258187532424927},{"text":"Thank you for your time, mate, and I will talk to you soon.","start":1428.475,"end":1430.8708,"sentiment":"positive","sentiment_score":0.7279502015847427}],"sentiment":"positive","sentiment_score":0.4745383355263117,"num_words":37,"start":1416.635,"end":1430.8708},{"sentences":[{"text":"Cheers.","start":1432.9508,"end":1433.4309,"sentiment":"positive","sentiment_score":0.6247947216033936},{"text":"Bye.","start":1433.4309,"end":1433.9309,"sentiment":"neutral","sentiment_score":-0.11010703444480896}],"sentiment":"neutral","sentiment_score":0.2573438435792923,"num_words":2,"start":1432.9508,"end":1433.9309}]}}]},{"alternatives":[{"transcript":"Charlie, sorry I wasn't available at 05:30. Just got caught up with something at the end that walked there, so my apologies. Yeah. Thanks, man. Appreciate it. Just in the car, mate. So if you give me a walk through, and I'll I'll have a look at it later tonight. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. No. I'm across a bit of a Jeff. Yeah. Yeah. Yeah. That's great, Jack. Yeah. That's the the salary sacrifice as well I make. I think I've worked it out that by January 1. That sacrifice, I'll I'll probably start because it's I forget what it's called. It's I had to build up yeah. The carry forward stuff. Yeah. So I I had a I, you know, I got a I got a significant wage increase, say, three two and a half, three years ago. Before that, I probably had $50.60 grand available to carry forward. So I think I left that exhausted on January 1. So I'll I'll be just dropping back. I think my gross salary, what is it, 12% now kinda gets me to the roughly the cap anyway, so there wouldn't be, you know, much to do salary sacrifice with without the carry forward stuff to without getting taxed higher anyways. You know? So I'll I'll probably be in winding that up, I think, in January. Yeah. I think there's roughly $10 there at the end of this financial year left over. So and it kinda worked out that that by January, I love I love exhausted that. Yeah. It's not ringing any bell. Let me know. I'll probably have to get tuned in to what that is. So that's that's on earnings over 250. Is it 50% extra on that, is it? Yes. Yeah. Yeah. Yeah. Yeah. No. Understand. Yeah. Yeah. Okay. Yes. Yeah. So I think I think if I think roughly, I've been about averaging somewhere around $50 a year. So this this year, if I if the contribution stop in January, it's probably 40,000. And then it it'll be the, you know, what's the, yeah, the the 12% that is a is a grand now or something as well that you can do do a year without incurring more tax. So I think I'll be defaulting back to last $40 this year and then 30 going forward. Yeah. That's that's what it'll be? Yeah. Yeah. I think I think that's right. Yeah. Yeah. Including including I think it that might include my vehicle as well, which I've got a company care. I think that might make part of that salary package. Yeah. Yeah. Yeah. Gotcha. Oh, yeah. Is it? Yeah. Okay. Yes. Yes. Yeah. Okay. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Be I'll be interested in any options to get for that. But, yeah, kinda kinda probably accepted. I'm gonna have to go to them at that age. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. I think I might have, yeah, just misplaced them. Actually, if you wouldn't mind sending me some fresh ones, I think, yeah, I need to fill them entry. Email is fine. Yeah. I got got print facilities at work. So if you wanna email them to me, I'll I could scan them and get back to you. Yeah. I think so, mate. I'll I'll have skip through, and I can get you on email anyway. Maybe if I'm looking through it in the next couple of days, I don't have any questions, but I think it all without understanding it all. I know there's been the the tax system, there's been a few changes, so I probably don't slowly get me head around that at tax time too, just to completely understand it. But, yeah, understand you're kinda raised there. There's a little bit might be a little bit of a tax bill going forward that I haven't seen in the in in the past. Yes. Yeah. Okay. Thanks, Tommy. Yeah. Yeah. So, sir, you're saying I'm I'm currently at a bracket that you can you can drop the fees, is it? Yeah. Yeah. Oh, yeah. That's great. Yep. And I don't think if I if I ever make the next bracket, I'll be I don't think that's gonna happen, mate. Would you say 500,000, but we can dream. Yes. Oh, sorry. This is this is this is balance. Is it super sorry. I thought when you said the the two I thought you were you were just annual salary. Is it so this is based off your total balance, is it? Yeah. Yeah. Yeah. Yeah. No. That that that that's a good bit. Yeah. I'll flick them across me. I'll I'll get them signed as well. I'll look back to you on email. Yeah. Yeah. Yeah. Yeah. Yeah. Just high level, anyway, just like what's going on. Like, it's it looks keep an eye on on balance and and, obviously, the app there shows you a nice trend of what's been happening. And and, you know, I kinda I think when I joined you first, there was there was some very it kinda tapered off probably since a lot of the volatility that you mentioned. But in terms of what what do your analysts think of like, is there projecting the way if if if it continues going, like, would you expect the average raise or return if it just keeps going the way it's going with high inflation and oil prices to kinda continue at the raise of that, or do you think it it could progressively get worse if this the war and bits and pieces just continue? Yeah. Yeah. No. I've got me at yeah. No no no one there about you. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Did did actually yeah. No. I got yeah. They did that that volatility. They kinda, like, know what's that instead of once it was when Trump got in first and all of the talk about tariffs, and it it sort of slowed for a few months. And then then that tapered off maybe for a month or two before the war started, and there was a there was a bit of a bounce that it actually I kinda noticed. It almost ended up in the same place as if the growth if tariffs have never been brought up, you know, and the growth was just average. It's kinda funny how it can bounce back very quickly and very extremely after kinda a few months of of, say, lesser lesser growth. You know? Yeah. Yeah. Yeah. So you can do you can see that. But the I think the best thing to do is is barely delete the app for a year and just you know, if you're looking at it every week, you're getting too excited, but you wanna you wanna just back and forget about it. Yeah. Yeah. Yeah. Yeah. That's that's yeah. Yeah. Yeah. Okay. Alright. Interested. Thanks for that, man. Yeah. Yeah. That's that's fine. Even six months or twelve months, that's fine. Maybe it's more of the same, I think, kinda just I think once once every twelve months, fine, miss. Yeah. Yeah. Okay. Thanks, Tommy. Much appreciate it. No. I rest everything. Thanks. Bye. Okay. 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sorry I wasn't available at 05:30. Just got caught up with something at the end that walked there, so my apologies. Yeah. Thanks, man. Appreciate it.\n\nJust in the car, mate. So if you give me a walk through, and I'll I'll have a look at it later tonight. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yeah. No.\n\nI'm across a bit of a Jeff. Yeah. Yeah. Yeah. That's great, Jack.\n\nYeah. That's the the salary sacrifice as well I make. I think I've worked it out that by January 1. That sacrifice, I'll I'll probably start because it's I forget what it's called. It's I had to build up yeah.\n\nThe carry forward stuff. Yeah. So I I had a I, you know, I got a I got a significant wage increase, say, three two and a half, three years ago. Before that, I probably had $50.60 grand available to carry forward. So I think I left that exhausted on January 1.\n\nSo I'll I'll be just dropping back. I think my gross salary, what is it, 12% now kinda gets me to the roughly the cap anyway, so there wouldn't be, you know, much to do salary sacrifice with without the carry forward stuff to without getting taxed higher anyways. You know? So I'll I'll probably be in winding that up, I think, in January. Yeah.\n\nI think there's roughly $10 there at the end of this financial year left over. So and it kinda worked out that that by January, I love I love exhausted that. Yeah. It's not ringing any bell. Let me know.\n\nI'll probably have to get tuned in to what that is. So that's that's on earnings over 250. Is it 50% extra on that, is it? Yes. Yeah.\n\nYeah. Yeah. Yeah. No. Understand.\n\nYeah. Yeah. Okay. Yes. Yeah.\n\nSo I think I think if I think roughly, I've been about averaging somewhere around $50 a year. So this this year, if I if the contribution stop in January, it's probably 40,000. And then it it'll be the, you know, what's the, yeah, the the 12% that is a is a grand now or something as well that you can do do a year without incurring more tax. So I think I'll be defaulting back to last $40 this year and then 30 going forward. Yeah.\n\nThat's that's what it'll be? Yeah. Yeah. I think I think that's right. Yeah.\n\nYeah. Including including I think it that might include my vehicle as well, which I've got a company care. I think that might make part of that salary package. Yeah. Yeah.\n\nYeah. Gotcha. Oh, yeah. Is it? Yeah.\n\nOkay. Yes. Yes. Yeah. Okay.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nYeah. Be I'll be interested in any options to get for that. But, yeah, kinda kinda probably accepted. I'm gonna have to go to them at that age. Yeah.\n\nYeah. Yeah. Okay. Yeah. Yeah.\n\nI think I might have, yeah, just misplaced them. Actually, if you wouldn't mind sending me some fresh ones, I think, yeah, I need to fill them entry. Email is fine. Yeah. I got got print facilities at work.\n\nSo if you wanna email them to me, I'll I could scan them and get back to you. Yeah. I think so, mate. I'll I'll have skip through, and I can get you on email anyway. Maybe if I'm looking through it in the next couple of days, I don't have any questions, but I think it all without understanding it all.\n\nI know there's been the the tax system, there's been a few changes, so I probably don't slowly get me head around that at tax time too, just to completely understand it. But, yeah, understand you're kinda raised there. There's a little bit might be a little bit of a tax bill going forward that I haven't seen in the in in the past. Yes. Yeah.\n\nOkay. Thanks, Tommy. Yeah. Yeah. So, sir, you're saying I'm I'm currently at a bracket that you can you can drop the fees, is it?\n\nYeah. Yeah. Oh, yeah. That's great. Yep.\n\nAnd I don't think if I if I ever make the next bracket, I'll be I don't think that's gonna happen, mate. Would you say 500,000, but we can dream. Yes. Oh, sorry. This is this is this is balance.\n\nIs it super sorry. I thought when you said the the two I thought you were you were just annual salary. Is it so this is based off your total balance, is it? Yeah. Yeah.\n\nYeah. Yeah. No. That that that that's a good bit. Yeah.\n\nI'll flick them across me. I'll I'll get them signed as well. I'll look back to you on email. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Just high level, anyway, just like what's going on. Like, it's it looks keep an eye on on balance and and, obviously, the app there shows you a nice trend of what's been happening.\n\nAnd and, you know, I kinda I think when I joined you first, there was there was some very it kinda tapered off probably since a lot of the volatility that you mentioned. But in terms of what what do your analysts think of like, is there projecting the way if if if it continues going, like, would you expect the average raise or return if it just keeps going the way it's going with high inflation and oil prices to kinda continue at the raise of that, or do you think it it could progressively get worse if this the war and bits and pieces just continue? Yeah. Yeah. No.\n\nI've got me at yeah. No no no one there about you. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Did did actually yeah. No.\n\nI got yeah. They did that that volatility. They kinda, like, know what's that instead of once it was when Trump got in first and all of the talk about tariffs, and it it sort of slowed for a few months. And then then that tapered off maybe for a month or two before the war started, and there was a there was a bit of a bounce that it actually I kinda noticed. It almost ended up in the same place as if the growth if tariffs have never been brought up, you know, and the growth was just average.\n\nIt's kinda funny how it can bounce back very quickly and very extremely after kinda a few months of of, say, lesser lesser growth. You know? Yeah. Yeah. Yeah.\n\nSo you can do you can see that. But the I think the best thing to do is is barely delete the app for a year and just you know, if you're looking at it every week, you're getting too excited, but you wanna you wanna just back and forget about it. Yeah. Yeah. Yeah.\n\nYeah. That's that's yeah. Yeah. Yeah. Okay.\n\nAlright. Interested. Thanks for that, man. Yeah. Yeah.\n\nThat's that's fine. Even six months or twelve months, that's fine. Maybe it's more of the same, I think, kinda just I think once once every twelve months, fine, miss. Yeah. Yeah.\n\nOkay. Thanks, Tommy. Much appreciate it. No. I rest everything.\n\nThanks. Bye. Okay. Take care.","paragraphs":[{"sentences":[{"text":"Charlie, sorry I wasn't available at 05:30.","start":6.56,"end":9.12,"sentiment":"neutral","sentiment_score":-0.17248566448688507},{"text":"Just got caught up with something at the end that walked there, so my apologies.","start":9.12,"end":13.235001,"sentiment":"neutral","sentiment_score":-0.1981650044520696},{"text":"Yeah.","start":20.654999,"end":20.895,"sentiment":"neutral","sentiment_score":0.20817168056964871},{"text":"Thanks, man.","start":20.895,"end":21.535,"sentiment":"positive","sentiment_score":0.5349891185760498},{"text":"Appreciate it.","start":21.535,"end":22.515,"sentiment":"positive","sentiment_score":0.6529567539691925}],"sentiment":"neutral","sentiment_score":-0.05910412194552245,"num_words":27,"start":6.56,"end":22.515},{"sentences":[{"text":"Just in the car, mate.","start":47.765,"end":49.045,"sentiment":"neutral","sentiment_score":0.07166489511728287},{"text":"So if you give me a walk through, and I'll I'll have a look at it later tonight.","start":49.045,"end":54.989998,"sentiment":"neutral","sentiment_score":0.10195588568846385},{"text":"Yeah.","start":61.21,"end":61.71,"sentiment":"neutral","sentiment_score":0.11767604947090148},{"text":"Yeah.","start":65.495,"end":65.815,"sentiment":"neutral","sentiment_score":0.13141317665576935},{"text":"Yeah.","start":65.815,"end":66.315,"sentiment":"neutral","sentiment_score":0.23552072048187256}],"sentiment":"neutral","sentiment_score":0.10300539863797334,"num_words":26,"start":47.765,"end":66.315},{"sentences":[{"text":"Yep.","start":90.525,"end":91.025,"sentiment":"neutral","sentiment_score":0.07599189132452011},{"text":"Yeah.","start":118.545,"end":118.784996,"sentiment":"neutral","sentiment_score":0.004893452860414982},{"text":"Yeah.","start":118.784996,"end":119.024994,"sentiment":"neutral","sentiment_score":0.012302758172154428},{"text":"Yeah.","start":119.024994,"end":119.424995,"sentiment":"neutral","sentiment_score":0.007866723462939262},{"text":"No.","start":119.424995,"end":119.66499,"sentiment":"neutral","sentiment_score":-0.03655377775430679}],"sentiment":"neutral","sentiment_score":0.012900209613144397,"num_words":5,"start":90.525,"end":119.66499},{"sentences":[{"text":"I'm across a bit of a Jeff.","start":119.66499,"end":121.204994,"sentiment":"neutral","sentiment_score":-0.007218836141484124},{"text":"Yeah.","start":132.78,"end":133.28,"sentiment":"neutral","sentiment_score":0.08128350973129272},{"text":"Yeah.","start":151.655,"end":152.055,"sentiment":"neutral","sentiment_score":0.19139759242534635},{"text":"Yeah.","start":152.055,"end":152.375,"sentiment":"neutral","sentiment_score":0.3115052282810211},{"text":"That's great, Jack.","start":152.375,"end":153.595,"sentiment":"positive","sentiment_score":0.6941378513971964}],"sentiment":"neutral","sentiment_score":0.20123600243375853,"num_words":13,"start":119.66499,"end":153.595},{"sentences":[{"text":"Yeah.","start":174.075,"end":174.395,"sentiment":"neutral","sentiment_score":0.05204879119992256},{"text":"That's the the salary sacrifice as well I make.","start":174.395,"end":179.615,"sentiment":"neutral","sentiment_score":0.014411829722424349},{"text":"I think I've worked it out that by January 1.","start":179.675,"end":183.85501,"sentiment":"neutral","sentiment_score":0.012740161269903183},{"text":"That sacrifice, I'll I'll probably start because it's I forget what it's called.","start":185.27501,"end":190.47,"sentiment":"neutral","sentiment_score":-0.04100736975669861},{"text":"It's I had to build up yeah.","start":190.47,"end":193.83,"sentiment":"neutral","sentiment_score":-0.006470227214906897}],"sentiment":"neutral","sentiment_score":-0.006730763148516417,"num_words":40,"start":174.075,"end":193.83},{"sentences":[{"text":"The carry forward stuff.","start":193.83,"end":195.19,"sentiment":"neutral","sentiment_score":0.006131272297352552},{"text":"Yeah.","start":195.19,"end":195.51001,"sentiment":"neutral","sentiment_score":0.011967654339969158},{"text":"So I I had a I, you know, I got a I got a significant wage increase, say, three two and a half, three years ago.","start":195.51001,"end":202.395,"sentiment":"neutral","sentiment_score":-0.02161799005877513},{"text":"Before that, I probably had $50.60 grand available to carry forward.","start":204.315,"end":207.99501,"sentiment":"neutral","sentiment_score":-0.04013522968373515},{"text":"So I think I left that exhausted on January 1.","start":207.99501,"end":210.89499,"sentiment":"neutral","sentiment_score":-0.08391726016998291}],"sentiment":"neutral","sentiment_score":-0.03473529088884019,"num_words":52,"start":193.83,"end":210.89499},{"sentences":[{"text":"So I'll I'll be just dropping back.","start":212.63501,"end":214.795,"sentiment":"neutral","sentiment_score":-0.057628625205584934},{"text":"I think my gross salary, what is it, 12% now kinda gets me to the roughly the cap anyway, so there wouldn't be, you know, much to do salary sacrifice with without the carry forward stuff to without getting taxed higher anyways.","start":214.795,"end":231.295,"sentiment":"neutral","sentiment_score":0.004757754881644533},{"text":"You know?","start":231.295,"end":231.615,"sentiment":"neutral","sentiment_score":0.006649169139564037},{"text":"So I'll I'll probably be in winding that up, I think, in January.","start":231.615,"end":235.875,"sentiment":"neutral","sentiment_score":0.07221275833077155},{"text":"Yeah.","start":242.36,"end":242.59999,"sentiment":"neutral","sentiment_score":0.2068532109260559}],"sentiment":"neutral","sentiment_score":0.014697580555310617,"num_words":65,"start":212.63501,"end":242.59999},{"sentences":[{"text":"I think there's roughly $10 there at the end of this financial year left over.","start":242.59999,"end":246.59999,"sentiment":"neutral","sentiment_score":0.2684644599755605},{"text":"So and it kinda worked out that that by January, I love I love exhausted that.","start":246.59999,"end":251.02,"sentiment":"positive","sentiment_score":0.5904113743454218},{"text":"Yeah.","start":275.54,"end":276.04,"sentiment":"neutral","sentiment_score":0.00531032495200634},{"text":"It's not ringing any bell.","start":290.755,"end":292.035,"sentiment":"neutral","sentiment_score":-0.03394666165113449},{"text":"Let me know.","start":292.035,"end":292.51498,"sentiment":"neutral","sentiment_score":0.010383789738019308}],"sentiment":"positive","sentiment_score":0.3335069318767637,"num_words":40,"start":242.59999,"end":292.51498},{"sentences":[{"text":"I'll probably have to get tuned in to what that is.","start":292.51498,"end":294.695,"sentiment":"neutral","sentiment_score":0.02317408032037995},{"text":"So that's that's on earnings over 250.","start":317.905,"end":321.74503,"sentiment":"neutral","sentiment_score":0.034882688362683566},{"text":"Is it 50% extra on that, is it?","start":321.74503,"end":324.325,"sentiment":"neutral","sentiment_score":0.032739142421633005},{"text":"Yes.","start":339.29,"end":339.79,"sentiment":"neutral","sentiment_score":0.08038563281297684},{"text":"Yeah.","start":349.50497,"end":350.00497,"sentiment":"neutral","sentiment_score":0.054472215473651886}],"sentiment":"neutral","sentiment_score":0.0319951674900949,"num_words":28,"start":292.51498,"end":350.00497},{"sentences":[{"text":"Yeah.","start":350.065,"end":350.565,"sentiment":"neutral","sentiment_score":0.055452749133110046},{"text":"Yeah.","start":350.625,"end":350.78497,"sentiment":"neutral","sentiment_score":0.060114338994026184},{"text":"Yeah.","start":350.78497,"end":351.10498,"sentiment":"neutral","sentiment_score":0.0236950870603323},{"text":"No.","start":351.10498,"end":351.34497,"sentiment":"neutral","sentiment_score":-0.02771257795393467},{"text":"Understand.","start":351.34497,"end":351.84497,"sentiment":"neutral","sentiment_score":0.00949640478938818}],"sentiment":"neutral","sentiment_score":0.024209200404584408,"num_words":5,"start":350.065,"end":351.84497},{"sentences":[{"text":"Yeah.","start":361.07,"end":361.57,"sentiment":"neutral","sentiment_score":0.01400359347462654},{"text":"Yeah.","start":364.27002,"end":364.59003,"sentiment":"neutral","sentiment_score":0.11555080115795135},{"text":"Okay.","start":364.59003,"end":365.09003,"sentiment":"neutral","sentiment_score":0.2404087483882904},{"text":"Yes.","start":377.325,"end":377.825,"sentiment":"neutral","sentiment_score":0.09782202541828156},{"text":"Yeah.","start":382.9,"end":383.13998,"sentiment":"neutral","sentiment_score":0.1349981278181076}],"sentiment":"neutral","sentiment_score":0.1205566592514515,"num_words":5,"start":361.07,"end":383.13998},{"sentences":[{"text":"So I think I think if I think roughly, I've been about averaging somewhere around $50 a year.","start":383.13998,"end":388.9,"sentiment":"neutral","sentiment_score":0.11069334546724956},{"text":"So this this year, if I if the contribution stop in January, it's probably 40,000.","start":388.9,"end":393.48,"sentiment":"neutral","sentiment_score":0.08736913899580638},{"text":"And then it it'll be the, you know, what's the, yeah, the the 12% that is a is a grand now or something as well that you can do do a year without incurring more tax.","start":393.78,"end":408.83502,"sentiment":"neutral","sentiment_score":0.1565575430997544},{"text":"So I think I'll be defaulting back to last $40 this year and then 30 going forward.","start":408.83502,"end":414.27,"sentiment":"neutral","sentiment_score":0.08267868529347812},{"text":"Yeah.","start":418.16998,"end":418.41,"sentiment":"neutral","sentiment_score":0.08439847826957703}],"sentiment":"neutral","sentiment_score":0.1198738503815799,"num_words":87,"start":383.13998,"end":418.41},{"sentences":[{"text":"That's that's what it'll be?","start":418.41,"end":419.87,"sentiment":"neutral","sentiment_score":0.07593396157026291},{"text":"Yeah.","start":421.13,"end":421.63,"sentiment":"neutral","sentiment_score":0.03729803115129471},{"text":"Yeah.","start":431.595,"end":431.915,"sentiment":"neutral","sentiment_score":0.07680512964725494},{"text":"I think I think that's right.","start":431.915,"end":433.195,"sentiment":"neutral","sentiment_score":0.1105310246348381},{"text":"Yeah.","start":433.195,"end":433.595,"sentiment":"neutral","sentiment_score":0.09701013565063477}],"sentiment":"neutral","sentiment_score":0.08956923229353768,"num_words":14,"start":418.41,"end":433.595},{"sentences":[{"text":"Yeah.","start":433.595,"end":433.835,"sentiment":"neutral","sentiment_score":0.09083192050457},{"text":"Including including I think it that might include my vehicle as well, which I've got a company care.","start":433.835,"end":440.71,"sentiment":"neutral","sentiment_score":0.0955355138414436},{"text":"I think that might make part of that salary package.","start":440.71,"end":443.13,"sentiment":"neutral","sentiment_score":0.1365729294717312},{"text":"Yeah.","start":445.83,"end":446.33,"sentiment":"neutral","sentiment_score":0.00563003309071064},{"text":"Yeah.","start":451.765,"end":452.265,"sentiment":"neutral","sentiment_score":-0.01479644700884819}],"sentiment":"neutral","sentiment_score":0.1021623887241848,"num_words":31,"start":433.595,"end":452.265},{"sentences":[{"text":"Yeah.","start":461.605,"end":462.08502,"sentiment":"neutral","sentiment_score":0.09378060698509216},{"text":"Gotcha.","start":462.08502,"end":462.58502,"sentiment":"neutral","sentiment_score":0.1311924010515213},{"text":"Oh, yeah.","start":462.64502,"end":463.30502,"sentiment":"neutral","sentiment_score":0.2129548341035843},{"text":"Is it?","start":490.375,"end":491.035,"sentiment":"neutral","sentiment_score":0.08302878588438034},{"text":"Yeah.","start":513.105,"end":513.34503,"sentiment":"neutral","sentiment_score":0.14111220836639404}],"sentiment":"neutral","sentiment_score":0.1368646366255624,"num_words":7,"start":461.605,"end":513.34503},{"sentences":[{"text":"Okay.","start":513.34503,"end":513.84503,"sentiment":"neutral","sentiment_score":0.14896881580352783},{"text":"Yes.","start":523.69,"end":524.19,"sentiment":"neutral","sentiment_score":0.10262399911880492},{"text":"Yes.","start":524.33,"end":524.83,"sentiment":"neutral","sentiment_score":0.1300584077835083},{"text":"Yeah.","start":539.78503,"end":540.10504,"sentiment":"neutral","sentiment_score":0.04847842454910278},{"text":"Okay.","start":540.10504,"end":540.60504,"sentiment":"neutral","sentiment_score":0.004531148821115494}],"sentiment":"neutral","sentiment_score":0.08693215921521187,"num_words":5,"start":513.34503,"end":540.60504},{"sentences":[{"text":"Yeah.","start":579.95,"end":580.27,"sentiment":"neutral","sentiment_score":0.07074889540672302},{"text":"Okay.","start":580.27,"end":580.77,"sentiment":"neutral","sentiment_score":0.05344323068857193},{"text":"Yeah.","start":587.31,"end":587.81,"sentiment":"neutral","sentiment_score":0.004275117069482803},{"text":"Yeah.","start":590.08496,"end":590.58496,"sentiment":"neutral","sentiment_score":0.01657080464065075},{"text":"Yeah.","start":596.565,"end":596.885,"sentiment":"neutral","sentiment_score":0.08139374107122421}],"sentiment":"neutral","sentiment_score":0.04528635777533054,"num_words":5,"start":579.95,"end":596.885},{"sentences":[{"text":"Yeah.","start":596.885,"end":597.365,"sentiment":"neutral","sentiment_score":0.10476820170879364},{"text":"Be I'll be interested in any options to get for that.","start":597.365,"end":603.30005,"sentiment":"neutral","sentiment_score":0.1662851091135632},{"text":"But, yeah, kinda kinda probably accepted.","start":603.30005,"end":606.26,"sentiment":"neutral","sentiment_score":-0.024687007690469425},{"text":"I'm gonna have to go to them at that age.","start":606.26,"end":608.12006,"sentiment":"neutral","sentiment_score":-0.02272824142128229},{"text":"Yeah.","start":641.85,"end":642.35,"sentiment":"neutral","sentiment_score":-0.04543006420135498}],"sentiment":"neutral","sentiment_score":0.052174823358654976,"num_words":29,"start":596.885,"end":642.35},{"sentences":[{"text":"Yeah.","start":654.635,"end":655.135,"sentiment":"neutral","sentiment_score":-0.08479221165180206},{"text":"Yeah.","start":656.875,"end":657.35504,"sentiment":"neutral","sentiment_score":0.061745405197143555},{"text":"Okay.","start":657.35504,"end":657.85504,"sentiment":"neutral","sentiment_score":0.13422870635986328},{"text":"Yeah.","start":685.615,"end":686.04,"sentiment":"neutral","sentiment_score":-0.18347150087356567},{"text":"Yeah.","start":697.07996,"end":697.57996,"sentiment":"neutral","sentiment_score":-0.06527650356292725}],"sentiment":"neutral","sentiment_score":-0.02751322090625763,"num_words":5,"start":654.635,"end":697.57996},{"sentences":[{"text":"I think I might have, yeah, just misplaced them.","start":743.88,"end":753.16003,"sentiment":"neutral","sentiment_score":-0.22389565573798287},{"text":"Actually, if you wouldn't mind sending me some fresh ones, I think, yeah, I need to fill them entry.","start":753.16003,"end":758.3,"sentiment":"neutral","sentiment_score":-0.012650317610486558},{"text":"Email is fine.","start":768.335,"end":769.05505,"sentiment":"neutral","sentiment_score":0.24938801924387613},{"text":"Yeah.","start":769.05505,"end":769.17505,"sentiment":"neutral","sentiment_score":0.2370956391096115},{"text":"I got got print facilities at work.","start":769.17505,"end":771.375,"sentiment":"neutral","sentiment_score":0.21647422228540694}],"sentiment":"neutral","sentiment_score":0.006286213246102516,"num_words":39,"start":743.88,"end":771.375},{"sentences":[{"text":"So if you wanna email them to me, I'll I could scan them and get back to you.","start":771.375,"end":776.12,"sentiment":"neutral","sentiment_score":0.22273224674993092},{"text":"Yeah.","start":791.825,"end":791.905,"sentiment":"neutral","sentiment_score":0.06292679905891418},{"text":"I think so, mate.","start":791.905,"end":792.705,"sentiment":"neutral","sentiment_score":0.05883615557104349},{"text":"I'll I'll have skip through, and I can get you on email anyway.","start":792.705,"end":797.185,"sentiment":"neutral","sentiment_score":0.09576908327065982},{"text":"Maybe if I'm looking through it in the next couple of days, I don't have any questions, but I think it all without understanding it all.","start":797.185,"end":804.69,"sentiment":"neutral","sentiment_score":-0.16436043768548048}],"sentiment":"neutral","sentiment_score":0.020630299444160154,"num_words":62,"start":771.375,"end":804.69},{"sentences":[{"text":"I know there's been the the tax system, there's been a few changes, so I probably don't slowly get me head around that at tax time too, just to completely understand it.","start":804.69,"end":814.21,"sentiment":"neutral","sentiment_score":-0.18093688040971756},{"text":"But, yeah, understand you're kinda raised there.","start":814.21,"end":817.505,"sentiment":"neutral","sentiment_score":-0.03334296920469829},{"text":"There's a little bit might be a little bit of a tax bill going forward that I haven't seen in the in in the past.","start":817.505,"end":823.04504,"sentiment":"neutral","sentiment_score":-0.028366196528077127},{"text":"Yes.","start":835.43,"end":835.93,"sentiment":"neutral","sentiment_score":0.08217644691467285},{"text":"Yeah.","start":840.675,"end":841.075,"sentiment":"neutral","sentiment_score":0.14711825549602509}],"sentiment":"neutral","sentiment_score":-0.09853395709598606,"num_words":66,"start":804.69,"end":841.075},{"sentences":[{"text":"Okay.","start":841.075,"end":841.395,"sentiment":"neutral","sentiment_score":0.3014388680458069},{"text":"Thanks, Tommy.","start":841.395,"end":842.215,"sentiment":"positive","sentiment_score":0.5634045898914337},{"text":"Yeah.","start":854.92004,"end":855.42004,"sentiment":"neutral","sentiment_score":0.0206147413700819},{"text":"Yeah.","start":857.08,"end":857.58,"sentiment":"neutral","sentiment_score":0.029021497815847397},{"text":"So, sir, you're saying I'm I'm currently at a bracket that you can you can drop the fees, is it?","start":910.55,"end":916.88995,"sentiment":"neutral","sentiment_score":0.001259828056208789}],"sentiment":"neutral","sentiment_score":0.060123233925551176,"num_words":25,"start":841.075,"end":916.88995},{"sentences":[{"text":"Yeah.","start":930.275,"end":930.775,"sentiment":"neutral","sentiment_score":0.056948933750391006},{"text":"Yeah.","start":934.88995,"end":935.38995,"sentiment":"neutral","sentiment_score":0.050331369042396545},{"text":"Oh, yeah.","start":942.32996,"end":942.81,"sentiment":"positive","sentiment_score":0.5288616120815277},{"text":"That's great.","start":942.81,"end":943.44995,"sentiment":"positive","sentiment_score":0.8154303431510925},{"text":"Yep.","start":943.44995,"end":943.76996,"sentiment":"neutral","sentiment_score":0.29322487115859985}],"sentiment":"positive","sentiment_score":0.44129844063094686,"num_words":7,"start":930.275,"end":943.76996},{"sentences":[{"text":"And I don't think if I if I ever make the next bracket, I'll be I don't think that's gonna happen, mate.","start":943.76996,"end":950.265,"sentiment":"neutral","sentiment_score":-0.16179938140240582},{"text":"Would you say 500,000, but we can dream.","start":950.265,"end":953.08496,"sentiment":"neutral","sentiment_score":-0.0500678732059896},{"text":"Yes.","start":966.92,"end":967.42,"sentiment":"neutral","sentiment_score":0.011765949428081512},{"text":"Oh, sorry.","start":978.955,"end":979.515,"sentiment":"neutral","sentiment_score":-0.02931139338761568},{"text":"This is this is this is balance.","start":979.515,"end":982.81,"sentiment":"neutral","sentiment_score":-0.052769591233560016}],"sentiment":"neutral","sentiment_score":-0.10940933381207288,"num_words":40,"start":943.76996,"end":982.81},{"sentences":[{"text":"Is it super sorry.","start":982.81,"end":983.85004,"sentiment":"neutral","sentiment_score":-0.14595124870538712},{"text":"I thought when you said the the two I thought you were you were just annual salary.","start":983.85004,"end":987.93,"sentiment":"neutral","sentiment_score":-0.11108152130070854},{"text":"Is it so this is based off your total balance, is it?","start":987.93,"end":991.87,"sentiment":"neutral","sentiment_score":-0.08853168475131194},{"text":"Yeah.","start":993.77,"end":994.27,"sentiment":"neutral","sentiment_score":-0.007248688489198685},{"text":"Yeah.","start":1003.855,"end":1004.015,"sentiment":"neutral","sentiment_score":-0.07203824818134308}],"sentiment":"neutral","sentiment_score":-0.10325308601771083,"num_words":35,"start":982.81,"end":1004.015},{"sentences":[{"text":"Yeah.","start":1004.015,"end":1004.515,"sentiment":"neutral","sentiment_score":-0.08715012669563293},{"text":"Yeah.","start":1008.015,"end":1008.51,"sentiment":"neutral","sentiment_score":-0.01158214546740055},{"text":"No.","start":1008.59,"end":1008.83,"sentiment":"neutral","sentiment_score":-0.03706011176109314},{"text":"That that that that's a good bit.","start":1008.83,"end":1010.67,"sentiment":"neutral","sentiment_score":0.12496465018817357},{"text":"Yeah.","start":1010.67,"end":1010.91003,"sentiment":"neutral","sentiment_score":0.09857100248336792}],"sentiment":"neutral","sentiment_score":0.07613919726149602,"num_words":11,"start":1004.015,"end":1010.91003},{"sentences":[{"text":"I'll flick them across me.","start":1010.91003,"end":1012.99,"sentiment":"neutral","sentiment_score":0.14058961272239684},{"text":"I'll I'll get them signed as well.","start":1012.99,"end":1014.63,"sentiment":"neutral","sentiment_score":0.13657061117036},{"text":"I'll look back to you on email.","start":1014.63,"end":1015.97003,"sentiment":"neutral","sentiment_score":0.09735872170754842},{"text":"Yeah.","start":1026.705,"end":1027.205,"sentiment":"neutral","sentiment_score":0.0996112823486328},{"text":"Yeah.","start":1027.265,"end":1027.505,"sentiment":"neutral","sentiment_score":0.10177057981491087}],"sentiment":"neutral","sentiment_score":0.1210397740914708,"num_words":21,"start":1010.91003,"end":1027.505},{"sentences":[{"text":"Yeah.","start":1027.505,"end":1027.985,"sentiment":"neutral","sentiment_score":0.10639982670545578},{"text":"Yeah.","start":1027.985,"end":1028.3049,"sentiment":"neutral","sentiment_score":0.1206611841917038},{"text":"Yeah.","start":1028.3049,"end":1028.8049,"sentiment":"neutral","sentiment_score":0.12738701701164246},{"text":"Just high level, anyway, just like what's going on.","start":1030.625,"end":1033.665,"sentiment":"neutral","sentiment_score":0.15636319832669365},{"text":"Like, it's it looks keep an eye on on balance and and, obviously, the app there shows you a nice trend of what's been happening.","start":1033.665,"end":1043.73,"sentiment":"neutral","sentiment_score":0.22415051974356173}],"sentiment":"neutral","sentiment_score":0.19906702179562402,"num_words":37,"start":1027.505,"end":1043.73},{"sentences":[{"text":"And and, you know, I kinda I think when I joined you first, there was there was some very it kinda tapered off probably since a lot of the volatility that you mentioned.","start":1043.7899,"end":1053.575,"sentiment":"neutral","sentiment_score":-0.18998150019483132},{"text":"But in terms of what what do your analysts think of like, is there projecting the way if if if it continues going, like, would you expect the average raise or return if it just keeps going the way it's going with high inflation and oil prices to kinda continue at the raise of that, or do you think it it could progressively get worse if this the war and bits and pieces just continue?","start":1053.575,"end":1081.315,"sentiment":"neutral","sentiment_score":-0.25734526897470156},{"text":"Yeah.","start":1090.7101,"end":1091.2101,"sentiment":"neutral","sentiment_score":0.040810804814100266},{"text":"Yeah.","start":1091.27,"end":1091.67,"sentiment":"neutral","sentiment_score":0.028575077652931213},{"text":"No.","start":1091.67,"end":1091.91,"sentiment":"neutral","sentiment_score":-0.07858218252658844}],"sentiment":"neutral","sentiment_score":-0.2304457745909154,"num_words":111,"start":1043.7899,"end":1091.91},{"sentences":[{"text":"I've got me at yeah.","start":1091.91,"end":1092.8701,"sentiment":"neutral","sentiment_score":-0.07279865890741348},{"text":"No no no one there about you.","start":1092.8701,"end":1094.65,"sentiment":"neutral","sentiment_score":-0.21896577732903616},{"text":"Yeah.","start":1103.125,"end":1103.625,"sentiment":"neutral","sentiment_score":0.09064780175685884},{"text":"Yeah.","start":1127.275,"end":1127.775,"sentiment":"neutral","sentiment_score":-0.07267681509256363},{"text":"Yeah.","start":1156.5249,"end":1157.0249,"sentiment":"neutral","sentiment_score":-0.09615403413772584}],"sentiment":"neutral","sentiment_score":-0.13166245222091674,"num_words":15,"start":1091.91,"end":1157.0249},{"sentences":[{"text":"Yeah.","start":1176.2799,"end":1176.6799,"sentiment":"neutral","sentiment_score":0.035017430782318115},{"text":"Yeah.","start":1176.6799,"end":1177.1799,"sentiment":"neutral","sentiment_score":-0.03708590567111969},{"text":"Yeah.","start":1189.785,"end":1190.285,"sentiment":"neutral","sentiment_score":-0.057427361607551575},{"text":"Yeah.","start":1198.27,"end":1198.77,"sentiment":"neutral","sentiment_score":-0.15516787767410278},{"text":"Yeah.","start":1226.04,"end":1226.54,"sentiment":"neutral","sentiment_score":-0.07178044319152832}],"sentiment":"neutral","sentiment_score":-0.05728883147239685,"num_words":5,"start":1176.2799,"end":1226.54},{"sentences":[{"text":"Yeah.","start":1231.08,"end":1231.58,"sentiment":"neutral","sentiment_score":-0.067805215716362},{"text":"Yeah.","start":1236.535,"end":1236.775,"sentiment":"neutral","sentiment_score":-0.0142710842192173},{"text":"Yeah.","start":1236.775,"end":1237.275,"sentiment":"neutral","sentiment_score":-0.015647638589143753},{"text":"Did did actually yeah.","start":1237.415,"end":1239.975,"sentiment":"neutral","sentiment_score":-0.04775009397417307},{"text":"No.","start":1239.975,"end":1240.215,"sentiment":"neutral","sentiment_score":-0.15487396717071533}],"sentiment":"neutral","sentiment_score":-0.05544978519901633,"num_words":8,"start":1231.08,"end":1240.215},{"sentences":[{"text":"I got yeah.","start":1240.215,"end":1240.775,"sentiment":"neutral","sentiment_score":-0.11174145589272182},{"text":"They did that that volatility.","start":1240.775,"end":1242.475,"sentiment":"neutral","sentiment_score":-0.1902868390083313},{"text":"They kinda, like, know what's that instead of once it was when Trump got in first and all of the talk about tariffs, and it it sort of slowed for a few months.","start":1242.855,"end":1252.5,"sentiment":"neutral","sentiment_score":-0.24155757576227188},{"text":"And then then that tapered off maybe for a month or two before the war started, and there was a there was a bit of a bounce that it actually I kinda noticed.","start":1252.5,"end":1260.9199,"sentiment":"neutral","sentiment_score":-0.19567961313507773},{"text":"It almost ended up in the same place as if the growth if tariffs have never been brought up, you know, and the growth was just average.","start":1260.98,"end":1268.8151,"sentiment":"neutral","sentiment_score":-0.2715156966889346}],"sentiment":"neutral","sentiment_score":-0.22818227333597618,"num_words":101,"start":1240.215,"end":1268.8151},{"sentences":[{"text":"It's kinda funny how it can bounce back very quickly and very extremely after kinda a few months of of, say, lesser lesser growth.","start":1269.1951,"end":1279.355,"sentiment":"neutral","sentiment_score":0.12393776855121057},{"text":"You know?","start":1279.355,"end":1280.015,"sentiment":"neutral","sentiment_score":0.07057284936308861},{"text":"Yeah.","start":1293.655,"end":1294.055,"sentiment":"neutral","sentiment_score":0.059020623564720154},{"text":"Yeah.","start":1294.055,"end":1294.375,"sentiment":"neutral","sentiment_score":0.0698840394616127},{"text":"Yeah.","start":1294.375,"end":1294.615,"sentiment":"neutral","sentiment_score":0.09118346124887466}],"sentiment":"neutral","sentiment_score":0.11502552649070477,"num_words":29,"start":1269.1951,"end":1294.615},{"sentences":[{"text":"So you can do you can see that.","start":1294.615,"end":1296.4551,"sentiment":"neutral","sentiment_score":0.13784908037632704},{"text":"But the I think the best thing to do is is barely delete the app for a year and just you know, if you're looking at it every week, you're getting too excited, but you wanna you wanna just back and forget about it.","start":1296.4551,"end":1309.9299,"sentiment":"neutral","sentiment_score":0.0903796653517268},{"text":"Yeah.","start":1325.1649,"end":1325.6649,"sentiment":"neutral","sentiment_score":0.02996964380145073},{"text":"Yeah.","start":1332.125,"end":1332.625,"sentiment":"neutral","sentiment_score":0.13019254803657532},{"text":"Yeah.","start":1345.66,"end":1346.0599,"sentiment":"neutral","sentiment_score":0.019419461488723755}],"sentiment":"neutral","sentiment_score":0.09561962857842446,"num_words":55,"start":1294.615,"end":1346.0599},{"sentences":[{"text":"Yeah.","start":1346.0599,"end":1346.415,"sentiment":"neutral","sentiment_score":0.006677567958831787},{"text":"That's that's yeah.","start":1346.495,"end":1356.035,"sentiment":"neutral","sentiment_score":-0.07562814528743426},{"text":"Yeah.","start":1364.61,"end":1364.85,"sentiment":"neutral","sentiment_score":-0.007894636131823063},{"text":"Yeah.","start":1364.85,"end":1365.09,"sentiment":"neutral","sentiment_score":0.008374807424843311},{"text":"Okay.","start":1365.09,"end":1365.57,"sentiment":"neutral","sentiment_score":0.03511820361018181}],"sentiment":"neutral","sentiment_score":-0.026372641857181276,"num_words":7,"start":1346.0599,"end":1365.57},{"sentences":[{"text":"Alright.","start":1365.57,"end":1366.0499,"sentiment":"neutral","sentiment_score":0.1185232400894165},{"text":"Interested.","start":1366.0499,"end":1366.5499,"sentiment":"neutral","sentiment_score":0.22289511561393735},{"text":"Thanks for that, man.","start":1366.85,"end":1368.07,"sentiment":"positive","sentiment_score":0.6544048339128494},{"text":"Yeah.","start":1384.695,"end":1385.195,"sentiment":"neutral","sentiment_score":0.13445934653282166},{"text":"Yeah.","start":1394.46,"end":1394.94,"sentiment":"neutral","sentiment_score":0.2935856580734253}],"sentiment":"positive","sentiment_score":0.4233853369951248,"num_words":8,"start":1365.57,"end":1394.94},{"sentences":[{"text":"That's that's fine.","start":1394.94,"end":1396.86,"sentiment":"positive","sentiment_score":0.3803667426109314},{"text":"Even six months or twelve months, that's fine.","start":1396.86,"end":1400.54,"sentiment":"neutral","sentiment_score":0.019789728336036205},{"text":"Maybe it's more of the same, I think, kinda just I think once once every twelve months, fine, miss.","start":1400.54,"end":1407.865,"sentiment":"neutral","sentiment_score":0.082929459449492},{"text":"Yeah.","start":1416.43,"end":1416.93,"sentiment":"neutral","sentiment_score":0.20619061589241028},{"text":"Yeah.","start":1420.3501,"end":1420.75,"sentiment":"neutral","sentiment_score":0.2283189594745636}],"sentiment":"neutral","sentiment_score":0.10342460498213768,"num_words":32,"start":1394.94,"end":1420.75},{"sentences":[{"text":"Okay.","start":1420.75,"end":1421.0701,"sentiment":"positive","sentiment_score":0.35934293270111084},{"text":"Thanks, Tommy.","start":1421.0701,"end":1421.79,"sentiment":"positive","sentiment_score":0.7431389391422272},{"text":"Much appreciate it.","start":1421.79,"end":1422.8501,"sentiment":"positive","sentiment_score":0.8170693715413412},{"text":"No.","start":1426.0109,"end":1426.2509,"sentiment":"neutral","sentiment_score":-0.0842166543006897},{"text":"I rest everything.","start":1426.2509,"end":1427.1309,"sentiment":"neutral","sentiment_score":0.0965458353360494}],"sentiment":"positive","sentiment_score":0.4502249777317047,"num_words":10,"start":1420.75,"end":1427.1309},{"sentences":[{"text":"Thanks.","start":1427.1309,"end":1427.371,"sentiment":"positive","sentiment_score":0.41478344798088074},{"text":"Bye.","start":1427.371,"end":1427.871,"sentiment":"positive","sentiment_score":0.3680785894393921},{"text":"Okay.","start":1431.611,"end":1432.0109,"sentiment":"positive","sentiment_score":0.39441919326782227},{"text":"Take care.","start":1432.0109,"end":1432.7509,"sentiment":"positive","sentiment_score":0.5309410095214844}],"sentiment":"positive","sentiment_score":0.44783264994621275,"num_words":5,"start":1427.1309,"end":1432.7509}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good evening, Rory. It's Tommy here, senior adviser, mate. Thank you so much for calling back.\n\nChannel 1: Charlie, sorry I wasn't available at 05:30. Just got caught up with something at the end that walked there, so my apologies.\n\nChannel 0: No. You're totally alright, mate. I know how it is. Sometimes work goes over, and we do what we must say.\n\nChannel 1: Yeah. Thanks, man. Appreciate it.\n\nChannel 0: Awesome. Now I really wanna get in touch with you for a couple of things. So your your sort of your updated strategy, everything that we're trying to sort of update change going forward, that's all ready to kind of look at with you. My first question for tonight is do you have access to your emails to have a look at the the strategy document with me today, or should I just kinda give you a bit of a walk through?\n\nChannel 1: Just in the car, mate. So if you give me a walk through, and I'll I'll have a look at it later tonight.\n\nChannel 0: Yep. No worries at all. So what I'll do is I'll send it through just so it's there.\n\nChannel 1: Yeah.\n\nChannel 0: It'll go through your Gmail still okay for the main email address?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. So what's coming through is basically a statement of advice, a research appendix, and a few product documents with, you know, all the PDFs from the super funds and providers and things like that. Also, sending you through a bit of an updated service guide with Oakview as well. So a few supporting docs, but one main one, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Now main thing is so your file, you had a conversation with Kyle before the end of financial year, and there was a few changes we were trying to make. Unfortunately, the world kind of exploded a few times in between then and now, so we've had to make a few additional pivots for this whole updated plan just to mix in what's going on with the Iran war, the interest rates going up, the capital gains tax changes. I don't know if you've seen all that happening on the news.\n\nChannel 1: Yeah. Yeah. Yeah. No. I'm across a bit of a Jeff.\n\nChannel 0: Cool. So there's a few things that we're updating in here, but there's a main one here I wanted to touch base on just in terms of your contributions to super, just all the salary sacrifice and everything like that.\n\nChannel 1: Yeah.\n\nChannel 0: Now in terms of, I guess, the scope of advice, it was doing the contribution advice, the portfolio, a few estate planning things. I don't believe we were doing anything with your insurances at this place because you've got workplace cover that kind of protects you if that rings a bell.\n\nChannel 1: Yeah. Yeah. That's great, Jack.\n\nChannel 0: Cool. And now just because this is the first time I've spoken to you, I wanna double just check the goals here. We had you obviously really focusing on building up the savings and paying off the mortgage, a few sort of things that you're, you know, obviously handling yourself personally. Does that sound about the main focus? Is there anything I've missed there?\n\nChannel 1: Yeah. That's the the salary sacrifice as well I make. I think I've worked it out that by January 1. That sacrifice, I'll I'll probably start because it's I forget what it's called. It's\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: the carry\n\nChannel 1: had\n\nChannel 0: forward\n\nChannel 1: to build\n\nChannel 0: rule.\n\nChannel 1: up yeah. The carry\n\nChannel 0: Yep.\n\nChannel 1: forward stuff. Yeah. So I I had a I, you know, I got a I got a significant wage increase, say, three two and a half, three years ago.\n\nChannel 0: Yeah.\n\nChannel 1: Before that, I probably had $50.60 grand available to carry forward. So I think I left that exhausted on January 1. So I'll I'll be just dropping back. I think my gross salary, what is it, 12% now kinda gets me to the roughly the cap anyway, so there wouldn't be, you know, much to do salary sacrifice with without the carry forward stuff to without getting taxed higher anyways. You know?\n\nSo I'll I'll probably\n\nChannel 0: Yeah.\n\nChannel 1: be in winding that up, I think, in January.\n\nChannel 0: Perfect. And so you've already kept on top of, like, your myGov account to see how much is kinda left over?\n\nChannel 1: Yeah. I think there's roughly $10 there at the end of this financial year left over. So and it kinda worked out that that by January, I love I love exhausted that.\n\nChannel 0: Perfect. Perfect. So the main thing in this document here alongside the portfolio changes is I've just had to put in a lot of disclaimers around the contributions kind of thing because that salary sacrifice amount, like, obviously, if you continued it for the full financial year, we're talking like another 50 something thousand dollars of combined concessional contributions, which would really push you over. And\n\nChannel 1: Yeah.\n\nChannel 0: the second thing is just with your income being up as high as it is, your I've I've given you some estimates on the division two nine three taxes. I don't know if you got that in the last couple of tax returns, those notices from the ATO.\n\nChannel 1: It's not ringing any bell. Let me know. I'll probably have to get tuned in to what that is.\n\nChannel 0: Cool. So the long and short of it is if your income and contributions combined is above 250,000, the government pretty much just hits you with an extra 15% tax. But rather than taking it out of the super fund, they actually send you a bill for it at your tax return, and you can elect to either pay it personally or have the money come out of the super fund to pay\n\nChannel 1: So that's that's on earnings over 250. Is it 50% extra on that, is it?\n\nChannel 0: it. Yeah. So there's a bit of a formula where they say if it's your either your excess contributions above it or lesser of another amount, and they basically then calculate another 15%. It still works out for the high income earners to still be a tax savings, but instead of,\n\nChannel 1: Yes.\n\nChannel 0: you know, 22% tax savings or 30%, it goes down to more like a sixteen, eighteen kind of thing for those extra little amounts.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So just\n\nChannel 1: No.\n\nChannel 0: a\n\nChannel 1: Understand.\n\nChannel 0: heads up when you do your tax return, that'll come through. My estimates in the document was just pretty much if you stopped all the salary sacrifice now, what it would look like just based\n\nChannel 1: Yeah.\n\nChannel 0: on pay calculator and a few things like that.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Cool. I've based just the projections on your employer contributions going forward because, again, I don't wanna just put in there that you're chucking in $50 a year for a decade and all\n\nChannel 1: Yes.\n\nChannel 0: the taxes that come with it. So I've just gone as conservative as I can with the projections.\n\nChannel 1: Yeah. So I think I think if I think roughly, I've been about averaging somewhere around $50 a year. So this this year, if I if the contribution stop in January, it's probably 40,000. And then it it'll be the,\n\nChannel 0: The\n\nChannel 1: you know,\n\nChannel 0: 12\n\nChannel 1: what's\n\nChannel 0: percent\n\nChannel 1: the,\n\nChannel 0: after that.\n\nChannel 1: yeah, the the 12% that is a is a grand now or something as well that you can do do a year without incurring more tax. So I think I'll be defaulting back to last $40 this year and then 30 going forward.\n\nChannel 0: Yeah. Perfect. So it's 32.5 now, and, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: includes your\n\nChannel 1: that's what\n\nChannel 0: employee\n\nChannel 1: it'll be?\n\nChannel 0: contributions.\n\nChannel 1: Yeah.\n\nChannel 0: You'll still possibly I think based on your income, would I have it as 262? Does that sound about right?\n\nChannel 1: Yeah. I think I think that's right. Yeah. Yeah. Including including I think it that might include my vehicle as well, which I've got a company care.\n\nI think that might make part of that salary package.\n\nChannel 0: Gotcha. So what I'm\n\nChannel 1: Yeah.\n\nChannel 0: thinking is you you're probably right on that threshold where even without any salary sacrifice, you'll probably still fall into\n\nChannel 1: Yeah.\n\nChannel 0: that div two nine three category, a bit like my father-in-law and a lot of mining guys, where just expect a small bill every tax return for a little bit of extra contributions tax.\n\nChannel 1: Yeah. Gotcha. Oh, yeah.\n\nChannel 0: Cool. Now sort of main things. So we've got assets and liabilities listed in there. If you read the document and there's any major changes, just let us know. The quick and short of it is a bit of an overhaul of the portfolio.\n\nSo with the Hub 24, because it's a wrap platform, we do have to factor in things like capital gains tax under the hood and factor that into the projections whenever we change investments, if that makes sense.\n\nChannel 1: Is it?\n\nChannel 0: So what we've got here is a full kind of update is looking at around about 1,500 of capital gains tax for the super, but a fee savings we're we're able to get the fees the investment fees down in half. That'll save at least $7.50 a year based on your current balance. Because it's percentage based, that kind of balloons out as your balance grows, if that makes sense.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: In terms of average returns, your growth risk profile, you you kind of wanna hit that kind of nine nine, 10% average long\n\nChannel 1: Yes.\n\nChannel 0: term. Some\n\nChannel 1: Yes.\n\nChannel 0: years, it goes up 20, some down 15. Average that as a benchmark to keep you on track. You're currently at eight and a half. New portfolio is just shy of 11 after fees, taxes,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Quite a few disclaimers in here. Again, I think what we're looking at here just based on your high income is a ten year projection a little over 700,000 currently. If we update the portfolio, you could hit close to 900,000 in ten years. So you're really gonna get to that point based on your current balance where you're gonna have this huge acceleration where every 20% return is another fifty, eighty, 100 grams. Once we've built it up to that amount that you need, we're probably gonna switch the conversation to when do we reduce risk and start to protect it in the lead up to retirement.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So, again, bit of an acceleration and then a bit of a talk of a hard stop at some point or a bit of a tapering\n\nChannel 1: Yeah.\n\nChannel 0: off, so so to speak.\n\nChannel 1: Yeah.\n\nChannel 0: We had you wanting to kind of retire as early as possible at age 60. Sound about right?\n\nChannel 1: Yeah. Yeah. Be I'll be interested in any options to get for that. But, yeah, kinda kinda probably accepted. I'm gonna have to go to them at that age.\n\nChannel 0: Yeah. Unfortunately, the all these changes to capital gains tax impacts the normal investing too, not just properties, which is not as fun. Still nice to invest and grow wealth personally, but just not as tax effective. I think the main thing to keep in mind too is eighteen years until retirement, you've kind of got two and a half market cycles left. So what that kind of tells me is, you know, every seven years, there's a global financial crisis or a COVID or a crash of some kind if that that rings a bell.\n\nChannel 1: Yeah.\n\nChannel 0: Pretty much, we go through a couple of those, keep those high returns for as long as we can. In the last seven to nine years, that's probably when you've got that, you know, mil, mil and a half, and we start tapering\n\nChannel 1: Yeah.\n\nChannel 0: it down and protecting it.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Beyond that, really, it was just the contributions I wanted to run by you. If you're already on top of that for January, that's fantastic. The investments that we're switching. So there's quite a few in there that are gonna be updated based on my recommendation and Carl's research. Main thing I wanted to let you know is one in particular, the Benelong, was the one that was kind of dragging its feet underperforming.\n\nChannel 1: Yeah.\n\nChannel 0: That's being replaced with a low fee index funds. So it's, like, 80% cheaper, way better performance over one three five in ten years, which is pretty much perfect. There's some\n\nChannel 1: Yeah.\n\nChannel 0: term deposits in there that we have to remove because the government's phasing them out next year. We've had a huge return out of those, but we just wanna sell them before everybody has to get out of that type of term deposit and just switch it with a bit of a sidestep. Most everything else will be pretty much rebalanced to where it should be. You know, you're keeping gold, for example, but we're just gonna bring it back to the 10% and a couple of new options in there for the lower fees. Outside of that, I don't believe there was really much else to do.\n\nAsset allocation is still staying around the 80% mark for that growth risk profile. We were getting your partner listed as beneficiary for Hub twenty four. Not sure if you've already kind of filled those forms in since you spoke\n\nChannel 1: I\n\nChannel 0: to Kyle or if you need me to kind of post out some fresh ones.\n\nChannel 1: think I might have, yeah, just misplaced them. Actually, if you wouldn't mind sending me some fresh ones, I think, yeah, I need to fill them entry.\n\nChannel 0: Cool. Would it be easier to kind of email them to print out, scan, and send back, or should we just post them with, like, a return envelope? Would that be easier?\n\nChannel 1: Email is fine. Yeah. I got got print facilities at work. So if you wanna email them to me, I'll I could scan them and get back to you.\n\nChannel 0: Easy done. I'll let the team know to email those out. A few reminders in there about wills and powers of attorney, and that's pretty much it for the time being. I know you're in the car at the moment, but does all that kinda make sense?\n\nChannel 1: Yeah. I think so, mate. I'll I'll have skip through, and I can get you on email anyway. Maybe if I'm looking through it in the next couple of days, I don't have any questions, but I think it all without understanding it all. I know there's been the the tax system, there's been a few changes, so I probably don't slowly get me head around that at tax time too, just to completely understand it.\n\nBut, yeah, understand you're kinda raised there. There's a little bit might be a little bit\n\nChannel 0: Yeah.\n\nChannel 1: of a tax bill going forward that I haven't seen in the in in the past.\n\nChannel 0: The good thing at least is I've included, like, some links and a few of the terminology there. So if you have it kind of curious to kind of break it down, you should just be able to jump into the ATO website. It'll take you right there, and you can kind of have\n\nChannel 1: Yes.\n\nChannel 0: a read. If you want further clarification, just call up, and we can have a chat.\n\nChannel 1: Yeah. Okay. Thanks, Tommy.\n\nChannel 0: Cool. One thing I will do as well just quickly is I'm gonna double check just while I've got your ID just to make sure we've got it all up to date on file. Can you bear with me\n\nChannel 1: Yeah.\n\nChannel 0: just for a few more seconds?\n\nChannel 1: Yeah.\n\nChannel 0: Alright. There you are, Rory. ID. Currently sitting at 320,000 at the moment. We've got a bit of a updated service guide I mentioned earlier where we're updating kind of fee structures and things like that.\n\nSo what I might do, if you're comfortable, is we've kind of got you on until March for the current consent for us to be advisers on Hub twenty four. We have just brought in some discounts for clients above 200,000 where instead of 1.65%, drops down to 1.3 7. When you hit 500,000, it drops again to 1.1%. Do you want me to kind of send through one of those separately to have a look at?\n\nChannel 1: So, sir, you're saying I'm I'm currently at a bracket that you can you can drop the fees, is it?\n\nChannel 0: Pretty much. Yeah. So what basically happens is the consent forms are kind of like no lock in contracts for, like, a twelve month consent for us to be advisers, charge fees, make transactions on your behalf. Your current\n\nChannel 1: Yeah.\n\nChannel 0: one is the standard 1.65 for Oakview, which runs till\n\nChannel 1: Yeah.\n\nChannel 0: March. If we refresh one now, we can get you into that next bracket already as of today. Yes.\n\nChannel 1: Oh, yeah. That's great. Yep. And I don't think if I if I ever make the next bracket, I'll be I don't think that's gonna happen, mate. Would you say 500,000, but we can dream.\n\nChannel 0: Look. We've got plenty of clients, 0.5 a mil, a mil. We've got a couple approaching the 2 mil mark. You'd be surprised that when you hit those late forties, how much it kind of compounds out to be, early fifties. And then that conversation\n\nChannel 1: Yes.\n\nChannel 0: is like, oh, my 700,000 dropped to $5.80 and went back up to $8.20. This is getting a little bit too real. Can we just, like, slow things down and protect it? It it's nice\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: sorry.\n\nChannel 0: kind of\n\nChannel 1: This\n\nChannel 0: aim for\n\nChannel 1: is\n\nChannel 0: the\n\nChannel 1: this is this is balance. Is it super sorry. I thought when you said the the two I thought you were you were just annual salary. Is it so this is based off your total balance, is it? Yeah.\n\nChannel 0: moment. We've added brackets in for 2 to 500,000, 500 and above. Would be pretty funny if we did it on the 500,000 income. No.\n\nChannel 1: Yeah.\n\nChannel 0: We\n\nChannel 1: Yeah.\n\nChannel 0: don't have any $2,000,000 salary clients.\n\nChannel 1: Yeah. No. That that that that's a good bit. Yeah. I'll flick them across me.\n\nI'll I'll get them signed as well. I'll look back to you on email.\n\nChannel 0: Yep. Perfect. So it'll just be two separate emails. One for the statement of advice for the investment switches. The other one will be the new consent form with the updated fee structure and service guide.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nJust high level, anyway, just like what's going on. Like, it's it looks keep an eye on on balance and and, obviously, the app there shows you a nice trend of what's been happening. And and, you know, I kinda I think when I joined you first, there was there was some very it kinda tapered off probably since a lot of the volatility that you mentioned. But in terms of what what do your analysts think of like, is there projecting the way if if if it continues going, like, would you expect the average raise or return if it just keeps going the way it's going with high inflation and oil prices to kinda continue at the raise of that, or do you think it it could progressively get worse if this the war and bits and pieces just continue?\n\nChannel 0: Yeah. So we actually met with are you familiar with, like, Vanguard and BlackRock and those kind of big fund manager names?\n\nChannel 1: Yeah. Yeah. No. I've got me at yeah. No no no one there about you.\n\nChannel 0: So we we had a portfolio built for us by BlackRock who sort of first in Australia to to kind of build one with them, and\n\nChannel 1: Yeah.\n\nChannel 0: we just spoke to them earlier in the week. Normally, what tends to happen, and I'll give you my honest answer here, every seven years, there's a, you know, crash and growth cycle, crash and growth, crash and growth, and those long term averages, you know, they bounce between the 8% to 14% depending on how bad that year is, if that makes sense. What we're kind of\n\nChannel 1: Yeah.\n\nChannel 0: seeing at the moment is a little bit different where on one side of things, you've got the the high inflation, low productivity, the debts, the the interest rates hitting the homeowners in Australia and and all that kind of thing. So there's a lot of areas where things look like they're they're getting to a bit of a breaking point and quite bad. Then on the flip side, there's a huge further towards, you know, the AI build outs and all that kind of thing where people are\n\nChannel 1: Yeah.\n\nChannel 0: talking about 80%, 400%, 4,000 growth in different sectors, which between those companies, the money that they're spending is flowing out around the world to even tradies in Australia earning $3,400 to set up a data center. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: there's a huge kind of economic issue and crash potential on the left side, and then there's also a huge growth sitting over here with that amount of spending spreading around the world. So what it's kinda\n\nChannel 1: Yeah.\n\nChannel 0: looking at is some countries and sectors are probably, like, crash prone, and some countries and sectors are probably growth prone. One could\n\nChannel 1: Yeah.\n\nChannel 0: crash 40% while the other one, some companies are up 4000%. So what that really means coming back is depending on the satellites we invest you in, there could be huge growth or the main issues. And then combined that buzzword of volatility. The the general markets are gonna be higher highs, lower lows for the whole rest of this year and at least the first six months of next year. So the\n\nChannel 1: Yeah.\n\nChannel 0: Australian market, American market, up and down like a yo yo, and then alongside\n\nChannel 1: Yeah.\n\nChannel 0: that, major trends of either this going down while that soars up.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Does that\n\nChannel 1: Did\n\nChannel 0: kind of answer\n\nChannel 1: did\n\nChannel 0: the\n\nChannel 1: actually\n\nChannel 0: question a bit?\n\nChannel 1: yeah. No. I got yeah. They did that that volatility. They kinda, like, know what's that instead of once it was when Trump got in first and all of the talk about tariffs, and it it sort of slowed for a few months.\n\nAnd then then that tapered off maybe for a month or two before the war started, and there was a there was a bit of a bounce that it actually I kinda noticed. It almost ended up in the same place as if the growth if tariffs have never been brought up, you know, and the growth was just average. It's kinda\n\nChannel 0: Yeah.\n\nChannel 1: funny how it can bounce back very quickly and very extremely after kinda a few months of of, say, lesser lesser growth. You know?\n\nChannel 0: Yeah. I mean, in terms of your balance as an example, when that January issue kicked in, you went from $2.86 to $2.69 and then back up to 300,000 in a matter of weeks.\n\nChannel 1: Yeah. Yeah. Yeah. So you can do you can see that. But the I think the best thing to do is is barely delete the app for a year and just you know, if you're looking at it every week, you're getting too excited, but\n\nChannel 0: Yeah.\n\nChannel 1: you wanna you wanna just back and forget about it.\n\nChannel 0: To be honest, that's kind of good advice for this next twelve months. One of the things that we're basically playing is a bit of a law of averages where it's gonna be going up and down $20.30, $40,000 every couple of months. And once you\n\nChannel 1: Yeah.\n\nChannel 0: average it out over five years, we're trying to make sure we're hitting that 12%, whereas everyone else is getting seven, eight.\n\nChannel 1: Yeah.\n\nChannel 0: That's gonna compound nicely for you. But in between, you almost basically just wanna play a I wouldn't say a buy and hold. I would say contributions are coming in. So anytime there's a dip, we just use it as a\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: buying opportunity.\n\nChannel 1: That's\n\nChannel 0: I can't time the market. BlackRock has their Aladdin software, which is the biggest\n\nChannel 1: that's\n\nChannel 0: one in the world. They can't time the market either, and I just wouldn't\n\nChannel 1: yeah.\n\nChannel 0: even bother trying because people try to rank COVID. That was hard enough as it was. Right now, it seems to be a little bit more random than even COVID was.\n\nChannel 1: Yeah. Yeah. Okay. Alright. Interested.\n\nThanks for that, man.\n\nChannel 0: Easy done. From here so, again, two emails coming out to you and, actually, three beneficiaries will come out tomorrow from the admin team. Outside of that, I'll punch in for a twelve month review this time next year. Do you want me to\n\nChannel 1: Yeah.\n\nChannel 0: put in anything for a catch up end of this year, sometime next year, any kind of quarterlies or six monthlies you would like?\n\nChannel 1: Yeah. That's that's fine. Even six months or twelve months, that's fine. Maybe it's more of the same, I think, kinda just I think once once every twelve months, fine, miss.\n\nChannel 0: Cool. I was just gonna get someone to touch base in in the new year and see how you went with the contributions. Just a reminder in case you forget.\n\nChannel 1: Yeah.\n\nChannel 0: Other than that, twelve months, I'll have that review ready to go.\n\nChannel 1: Yeah. Okay. Thanks, Tommy. Much appreciate it.\n\nChannel 0: Awesome. Or any questions for me before I let you go?\n\nChannel 1: No. I rest everything. Thanks. Bye.\n\nChannel 0: Amazing. Thank you for your time, mate, and I will talk to you soon.\n\nChannel 1: Okay. Take care.\n\nChannel 0: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good evening, Rory.","start":1.52,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.3207699755827586},{"text":"It's Tommy here, senior adviser, mate.","start":2.3999999,"end":4.16,"sentiment":"neutral","sentiment_score":0.29374227424462634},{"text":"Thank you so much for calling back.","start":4.16,"end":5.62,"sentiment":"positive","sentiment_score":0.6031130126544407}],"sentiment":"positive","sentiment_score":0.43415966629981995,"channel":0,"num_words":16,"start":1.52,"end":5.62},{"sentences":[{"text":"Charlie, sorry I wasn't available at 05:30.","start":6.56,"end":9.12,"sentiment":"neutral","sentiment_score":-0.17248566448688507},{"text":"Just got caught up with something at the end that walked there, so my apologies.","start":9.12,"end":13.235001,"sentiment":"neutral","sentiment_score":-0.1981650044520696}],"sentiment":"neutral","sentiment_score":-0.18999430537223816,"channel":1,"num_words":22,"start":6.56,"end":13.235001},{"sentences":[{"text":"No.","start":13.985,"end":14.224999,"sentiment":"neutral","sentiment_score":-0.17089498043060303},{"text":"You're totally alright, mate.","start":14.224999,"end":15.344999,"sentiment":"neutral","sentiment_score":0.0006628325209021568},{"text":"I know how it is.","start":15.344999,"end":16.145,"sentiment":"neutral","sentiment_score":0.022239573299884796},{"text":"Sometimes work goes over, and we do what we must say.","start":16.145,"end":19.445,"sentiment":"neutral","sentiment_score":0.020164658400145443}],"sentiment":"neutral","sentiment_score":0.007845974216858545,"channel":0,"num_words":21,"start":13.985,"end":19.445},{"sentences":[{"text":"Yeah.","start":20.654999,"end":20.895,"sentiment":"neutral","sentiment_score":0.20817168056964871},{"text":"Thanks, man.","start":20.895,"end":21.535,"sentiment":"positive","sentiment_score":0.5349891185760498},{"text":"Appreciate it.","start":21.535,"end":22.515,"sentiment":"positive","sentiment_score":0.6529567539691925}],"sentiment":"positive","sentiment_score":0.5168126851320267,"channel":1,"num_words":5,"start":20.654999,"end":22.515},{"sentences":[{"text":"Awesome.","start":22.865,"end":23.345,"sentiment":"positive","sentiment_score":0.6524897813796997},{"text":"Now I really wanna get in touch with you for a couple of things.","start":23.345,"end":26.544998,"sentiment":"positive","sentiment_score":0.41539485113961355},{"text":"So your your sort of your updated strategy, everything that we're trying to sort of update change going forward, that's all ready to kind of look at with you.","start":26.544998,"end":36.95,"sentiment":"positive","sentiment_score":0.43655670408544867},{"text":"My first question for tonight is do you have access to your emails to have a look at the the strategy document with me today, or should I just kinda give you a bit of a walk through?","start":38.05,"end":46.915,"sentiment":"neutral","sentiment_score":0.15157053051026245}],"sentiment":"neutral","sentiment_score":0.3035102716488082,"channel":0,"num_words":82,"start":22.865,"end":46.915},{"sentences":[{"text":"Just in the car, mate.","start":47.765,"end":49.045,"sentiment":"neutral","sentiment_score":0.07166489511728287},{"text":"So if you give me a walk through, and I'll I'll have a look at it later tonight.","start":49.045,"end":54.989998,"sentiment":"neutral","sentiment_score":0.10195588568846385}],"sentiment":"neutral","sentiment_score":0.09537088773820711,"channel":1,"num_words":23,"start":47.765,"end":54.989998},{"sentences":[{"text":"Yep.","start":55.69,"end":56.09,"sentiment":"neutral","sentiment_score":0.12330888211727142},{"text":"No worries at all.","start":56.09,"end":56.97,"sentiment":"neutral","sentiment_score":0.14352651312947273},{"text":"So what I'll do is I'll send it through just so it's there.","start":56.97,"end":60.43,"sentiment":"neutral","sentiment_score":0.13369599099342638}],"sentiment":"neutral","sentiment_score":0.13530348986387253,"channel":0,"num_words":18,"start":55.69,"end":60.43},{"sentences":[{"text":"Yeah.","start":61.21,"end":61.71,"sentiment":"neutral","sentiment_score":0.11767604947090148}],"sentiment":"neutral","sentiment_score":0.11767604947090148,"channel":1,"num_words":1,"start":61.21,"end":61.71},{"sentences":[{"text":"It'll go through your Gmail still okay for the main email address?","start":61.29,"end":64.725,"sentiment":"neutral","sentiment_score":0.11234533227980137}],"sentiment":"neutral","sentiment_score":0.11234533227980137,"channel":0,"num_words":12,"start":61.29,"end":64.725},{"sentences":[{"text":"Yeah.","start":65.495,"end":65.815,"sentiment":"neutral","sentiment_score":0.13141317665576935},{"text":"Yeah.","start":65.815,"end":66.315,"sentiment":"neutral","sentiment_score":0.23552072048187256}],"sentiment":"neutral","sentiment_score":0.18346694856882095,"channel":1,"num_words":2,"start":65.495,"end":66.315},{"sentences":[{"text":"Perfect.","start":67.284996,"end":67.784996,"sentiment":"positive","sentiment_score":0.3474523425102234},{"text":"So what's coming through is basically a statement of advice, a research appendix, and a few product documents with, you know, all the PDFs from the super funds and providers and things like that.","start":67.845,"end":80.2,"sentiment":"neutral","sentiment_score":0.16264027006485882},{"text":"Also, sending you through a bit of an updated service guide with Oakview as well.","start":81.939995,"end":85.22,"sentiment":"neutral","sentiment_score":0.15710994650920232},{"text":"So a few supporting docs, but one main one, if that makes sense.","start":85.22,"end":88.6,"sentiment":"neutral","sentiment_score":0.11064997487343274}],"sentiment":"neutral","sentiment_score":0.1535288951699696,"channel":0,"num_words":63,"start":67.284996,"end":88.6},{"sentences":[{"text":"Yep.","start":90.525,"end":91.025,"sentiment":"neutral","sentiment_score":0.07599189132452011}],"sentiment":"neutral","sentiment_score":0.07599189132452011,"channel":1,"num_words":1,"start":90.525,"end":91.025},{"sentences":[{"text":"Now main thing is so your file, you had a conversation with Kyle before the end of financial year, and there was a few changes we were trying to make.","start":91.695,"end":99.635,"sentiment":"neutral","sentiment_score":0.018586042275031408},{"text":"Unfortunately, the world kind of exploded a few times in between then and now, so we've had to make a few additional pivots for this whole updated plan just to mix in what's going on with the Iran war, the interest rates going up, the capital gains tax changes.","start":100.095,"end":115.05,"sentiment":"neutral","sentiment_score":-0.08981980208535584},{"text":"I don't know if you've seen all that happening on the news.","start":115.05,"end":117.71001,"sentiment":"neutral","sentiment_score":-0.10258015307287376}],"sentiment":"neutral","sentiment_score":-0.055764295283582184,"channel":0,"num_words":91,"start":91.695,"end":117.71001},{"sentences":[{"text":"Yeah.","start":118.545,"end":118.784996,"sentiment":"neutral","sentiment_score":0.004893452860414982},{"text":"Yeah.","start":118.784996,"end":119.024994,"sentiment":"neutral","sentiment_score":0.012302758172154428},{"text":"Yeah.","start":119.024994,"end":119.424995,"sentiment":"neutral","sentiment_score":0.007866723462939262},{"text":"No.","start":119.424995,"end":119.66499,"sentiment":"neutral","sentiment_score":-0.03655377775430679},{"text":"I'm across a bit of a Jeff.","start":119.66499,"end":121.204994,"sentiment":"neutral","sentiment_score":-0.007218836141484124}],"sentiment":"neutral","sentiment_score":-0.005638426931744272,"channel":1,"num_words":11,"start":118.545,"end":121.204994},{"sentences":[{"text":"Cool.","start":121.61,"end":121.93,"sentiment":"positive","sentiment_score":0.34126198291778564},{"text":"So there's a few things that we're updating in here, but there's a main one here I wanted to touch base on just in terms of your contributions to super, just all the salary sacrifice and everything like that.","start":121.93,"end":132.13501,"sentiment":"neutral","sentiment_score":0.1082617978637035}],"sentiment":"neutral","sentiment_score":0.11408680249005557,"channel":0,"num_words":40,"start":121.61,"end":132.13501},{"sentences":[{"text":"Yeah.","start":132.78,"end":133.28,"sentiment":"neutral","sentiment_score":0.08128350973129272}],"sentiment":"neutral","sentiment_score":0.08128350973129272,"channel":1,"num_words":1,"start":132.78,"end":133.28},{"sentences":[{"text":"Now in terms of, I guess, the scope of advice, it was doing the contribution advice, the portfolio, a few estate planning things.","start":132.91501,"end":142.11,"sentiment":"neutral","sentiment_score":0.05771245783113915},{"text":"I don't believe we were doing anything with your insurances at this place because you've got workplace cover that kind of protects you if that rings a bell.","start":142.57,"end":151.005,"sentiment":"neutral","sentiment_score":-0.12638934741594962}],"sentiment":"neutral","sentiment_score":-0.043363043088831155,"channel":0,"num_words":51,"start":132.91501,"end":151.005},{"sentences":[{"text":"Yeah.","start":151.655,"end":152.055,"sentiment":"neutral","sentiment_score":0.19139759242534635},{"text":"Yeah.","start":152.055,"end":152.375,"sentiment":"neutral","sentiment_score":0.3115052282810211},{"text":"That's great, Jack.","start":152.375,"end":153.595,"sentiment":"positive","sentiment_score":0.6941378513971964}],"sentiment":"positive","sentiment_score":0.5170632749795914,"channel":1,"num_words":5,"start":151.655,"end":153.595},{"sentences":[{"text":"Cool.","start":153.865,"end":154.265,"sentiment":"positive","sentiment_score":0.6403985023498535},{"text":"And now just because this is the first time I've spoken to you, I wanna double just check the goals here.","start":154.265,"end":158.765,"sentiment":"neutral","sentiment_score":0.21338083914348058},{"text":"We had you obviously really focusing on building up the savings and paying off the mortgage, a few sort of things that you're, you know, obviously handling yourself personally.","start":159.30501,"end":169.12,"sentiment":"neutral","sentiment_score":0.14727039069964967},{"text":"Does that sound about the main focus?","start":169.42,"end":171.34,"sentiment":"neutral","sentiment_score":0.07385196749653135},{"text":"Is there anything I've missed there?","start":171.34,"end":172.88,"sentiment":"neutral","sentiment_score":-0.015875620146592457}],"sentiment":"neutral","sentiment_score":0.15334292978513986,"channel":0,"num_words":64,"start":153.865,"end":172.88},{"sentences":[{"text":"Yeah.","start":174.075,"end":174.395,"sentiment":"neutral","sentiment_score":0.05204879119992256},{"text":"That's the the salary sacrifice as well I make.","start":174.395,"end":179.615,"sentiment":"neutral","sentiment_score":0.014411829722424349},{"text":"I think I've worked it out that by January 1.","start":179.675,"end":183.85501,"sentiment":"neutral","sentiment_score":0.012740161269903183},{"text":"That sacrifice, I'll I'll probably start because it's I forget what it's called.","start":185.27501,"end":190.47,"sentiment":"neutral","sentiment_score":-0.04100736975669861},{"text":"It's","start":190.47,"end":190.97,"sentiment":"neutral","sentiment_score":-0.011431190185248852}],"sentiment":"neutral","sentiment_score":-0.0069226507535752125,"channel":1,"num_words":34,"start":174.075,"end":190.97},{"sentences":[{"text":"The","start":191.47,"end":191.70999,"sentiment":"neutral","sentiment_score":-0.018351178616285324}],"sentiment":"neutral","sentiment_score":-0.018351178616285324,"channel":0,"num_words":1,"start":191.47,"end":191.70999},{"sentences":[{"text":"I","start":191.67001,"end":191.91,"sentiment":"neutral","sentiment_score":-0.014144234359264374}],"sentiment":"neutral","sentiment_score":-0.014144234359264374,"channel":1,"num_words":1,"start":191.67001,"end":191.91},{"sentences":[{"text":"the 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build","start":192.15001,"end":192.63,"sentiment":"neutral","sentiment_score":-0.00475718267261982}],"sentiment":"neutral","sentiment_score":-0.00475718267261982,"channel":1,"num_words":2,"start":192.15001,"end":192.63},{"sentences":[{"text":"rule.","start":192.43,"end":192.93,"sentiment":"neutral","sentiment_score":-0.008211417123675346}],"sentiment":"neutral","sentiment_score":-0.008211417123675346,"channel":0,"num_words":1,"start":192.43,"end":192.93},{"sentences":[{"text":"up yeah.","start":192.63,"end":193.83,"sentiment":"neutral","sentiment_score":0.004499997943639755},{"text":"The 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tax.","start":451.92,"end":461.67502,"sentiment":"neutral","sentiment_score":0.01925880305797738}],"sentiment":"neutral","sentiment_score":0.01925880305797738,"channel":0,"num_words":34,"start":451.92,"end":461.67502},{"sentences":[{"text":"Yeah.","start":461.605,"end":462.08502,"sentiment":"neutral","sentiment_score":0.09378060698509216},{"text":"Gotcha.","start":462.08502,"end":462.58502,"sentiment":"neutral","sentiment_score":0.1311924010515213},{"text":"Oh, yeah.","start":462.64502,"end":463.30502,"sentiment":"neutral","sentiment_score":0.2129548341035843}],"sentiment":"neutral","sentiment_score":0.1627206690609455,"channel":1,"num_words":4,"start":461.605,"end":463.30502},{"sentences":[{"text":"Cool.","start":463.89502,"end":464.31,"sentiment":"neutral","sentiment_score":0.12006956338882446},{"text":"Now sort of main things.","start":464.79,"end":465.59,"sentiment":"neutral","sentiment_score":0.03716922141611576},{"text":"So we've got assets and liabilities listed in there.","start":465.59,"end":467.75,"sentiment":"neutral","sentiment_score":0.05822677703367339},{"text":"If you read the document and there's any major changes, just let us know.","start":467.75,"end":471.21,"sentiment":"neutral","sentiment_score":0.03280498779245785},{"text":"The quick and short of it is a bit of an overhaul of the portfolio.","start":472.47,"end":477.37,"sentiment":"neutral","sentiment_score":0.0699408786992232}],"sentiment":"neutral","sentiment_score":0.053144083485345946,"channel":0,"num_words":44,"start":463.89502,"end":477.37},{"sentences":[{"text":"So with the Hub 24, because it's a wrap platform, we do have to factor in things like capital gains tax under the hood and factor that into the projections whenever we change investments, if that makes sense.","start":477.59,"end":489.755,"sentiment":"neutral","sentiment_score":0.13896194982685542}],"sentiment":"neutral","sentiment_score":0.13896194982685542,"channel":0,"num_words":38,"start":477.59,"end":489.755},{"sentences":[{"text":"Is it?","start":490.375,"end":491.035,"sentiment":"neutral","sentiment_score":0.08302878588438034}],"sentiment":"neutral","sentiment_score":0.08302878588438034,"channel":1,"num_words":2,"start":490.375,"end":491.035},{"sentences":[{"text":"So what we've got here is a full kind of update is looking at around about 1,500 of capital gains tax for the super, but a fee savings we're we're able to get the fees the investment fees down in half.","start":491.75,"end":502.89,"sentiment":"positive","sentiment_score":0.33732565328842257},{"text":"That'll save at least $7.50 a year based on your current balance.","start":502.95,"end":507.05002,"sentiment":"positive","sentiment_score":0.5002884591619173},{"text":"Because it's percentage based, that kind of balloons out as your balance grows, if that makes sense.","start":507.345,"end":512.085,"sentiment":"positive","sentiment_score":0.3338240919744267}],"sentiment":"positive","sentiment_score":0.3644117551190513,"channel":0,"num_words":70,"start":491.75,"end":512.085},{"sentences":[{"text":"Yeah.","start":513.105,"end":513.34503,"sentiment":"neutral","sentiment_score":0.14111220836639404},{"text":"Okay.","start":513.34503,"end":513.84503,"sentiment":"neutral","sentiment_score":0.14896881580352783}],"sentiment":"neutral","sentiment_score":0.14504051208496094,"channel":1,"num_words":2,"start":513.105,"end":513.84503},{"sentences":[{"text":"In terms of average returns, your growth risk profile, you you kind of wanna hit that kind of nine nine, 10% average 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it goes up 20, some down 15.","start":524.43,"end":526.93,"sentiment":"neutral","sentiment_score":0.2056963462382555},{"text":"Average that as a benchmark to keep you on track.","start":527.47003,"end":530.13,"sentiment":"positive","sentiment_score":0.346351632475853},{"text":"You're currently at eight and a half.","start":530.19,"end":532.29004,"sentiment":"neutral","sentiment_score":0.1019062591450555},{"text":"New portfolio is just shy of 11 after fees, taxes,","start":532.43,"end":535.875,"sentiment":"neutral","sentiment_score":0.052395806275308134}],"sentiment":"neutral","sentiment_score":0.18132539918380125,"channel":0,"num_words":35,"start":524.43,"end":535.875},{"sentences":[{"text":"Yeah.","start":539.78503,"end":540.10504,"sentiment":"neutral","sentiment_score":0.04847842454910278},{"text":"Okay.","start":540.10504,"end":540.60504,"sentiment":"neutral","sentiment_score":0.004531148821115494}],"sentiment":"neutral","sentiment_score":0.02650478668510914,"channel":1,"num_words":2,"start":539.78503,"end":540.60504},{"sentences":[{"text":"Quite a few disclaimers in here.","start":542.355,"end":544.115,"sentiment":"neutral","sentiment_score":-0.16226184368133545},{"text":"Again, I think what we're looking at here just based on your high income is a ten year projection a little over 700,000 currently.","start":544.115,"end":552.35,"sentiment":"neutral","sentiment_score":0.04991094131643573},{"text":"If we update the portfolio, you 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retirement.","start":569.34503,"end":578.72504,"sentiment":"neutral","sentiment_score":0.15090977751156864}],"sentiment":"neutral","sentiment_score":0.1141713212278706,"channel":0,"num_words":108,"start":542.355,"end":578.72504},{"sentences":[{"text":"Yeah.","start":579.95,"end":580.27,"sentiment":"neutral","sentiment_score":0.07074889540672302},{"text":"Okay.","start":580.27,"end":580.77,"sentiment":"neutral","sentiment_score":0.05344323068857193}],"sentiment":"neutral","sentiment_score":0.062096063047647476,"channel":1,"num_words":2,"start":579.95,"end":580.77},{"sentences":[{"text":"So, again, bit of an acceleration and then a bit of a talk of a hard stop at some point or a bit of a tapering","start":581.33,"end":587.59,"sentiment":"neutral","sentiment_score":0.004873083474544378}],"sentiment":"neutral","sentiment_score":0.004873083474544378,"channel":0,"num_words":26,"start":581.33,"end":587.59},{"sentences":[{"text":"Yeah.","start":587.31,"end":587.81,"sentiment":"neutral","sentiment_score":0.004275117069482803}],"sentiment":"neutral","sentiment_score":0.004275117069482803,"channel":1,"num_words":1,"start":587.31,"end":587.81},{"sentences":[{"text":"off, so so to speak.","start":587.65,"end":589.27,"sentiment":"neutral","sentiment_score":-0.04165833331644535}],"sentiment":"neutral","sentiment_score":-0.04165833331644535,"channel":0,"num_words":5,"start":587.65,"end":589.27},{"sentences":[{"text":"Yeah.","start":590.08496,"end":590.58496,"sentiment":"neutral","sentiment_score":0.01657080464065075}],"sentiment":"neutral","sentiment_score":0.01657080464065075,"channel":1,"num_words":1,"start":590.08496,"end":590.58496},{"sentences":[{"text":"We had you wanting to kind of retire as early as possible at age 60.","start":590.77,"end":594.31,"sentiment":"neutral","sentiment_score":0.060117546717325845},{"text":"Sound about right?","start":594.45,"end":595.245,"sentiment":"neutral","sentiment_score":0.0632084272801876}],"sentiment":"neutral","sentiment_score":0.060632693477802806,"channel":0,"num_words":18,"start":590.77,"end":595.245},{"sentences":[{"text":"Yeah.","start":596.565,"end":596.885,"sentiment":"neutral","sentiment_score":0.08139374107122421},{"text":"Yeah.","start":596.885,"end":597.365,"sentiment":"neutral","sentiment_score":0.10476820170879364},{"text":"Be I'll be interested in any options to get for that.","start":597.365,"end":603.30005,"sentiment":"neutral","sentiment_score":0.1662851091135632},{"text":"But, yeah, kinda kinda probably accepted.","start":603.30005,"end":606.26,"sentiment":"neutral","sentiment_score":-0.024687007690469425},{"text":"I'm gonna have to go to them at that age.","start":606.26,"end":608.12006,"sentiment":"neutral","sentiment_score":-0.02272824142128229}],"sentiment":"neutral","sentiment_score":0.05654805802322667,"channel":1,"num_words":29,"start":596.565,"end":608.12006},{"sentences":[{"text":"Yeah.","start":608.62,"end":608.94,"sentiment":"neutral","sentiment_score":-0.09100469201803207},{"text":"Unfortunately, the all these changes to capital gains tax impacts the normal investing too, not just properties, which is not as fun.","start":608.94,"end":617.36005,"sentiment":"negative","sentiment_score":-0.4314481033520265},{"text":"Still nice to invest and grow wealth personally, but just not as tax effective.","start":617.82,"end":622.48004,"sentiment":"neutral","sentiment_score":-0.10188265703618526},{"text":"I think the main thing to keep in mind too is eighteen years until retirement, you've kind of got two and a half market cycles 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know, mil, mil and a half, and we start tapering","start":648.45,"end":654.885,"sentiment":"neutral","sentiment_score":-0.07342740008607507}],"sentiment":"neutral","sentiment_score":-0.0002943883801615515,"channel":0,"num_words":43,"start":643.41,"end":654.885},{"sentences":[{"text":"Yeah.","start":654.635,"end":655.135,"sentiment":"neutral","sentiment_score":-0.08479221165180206}],"sentiment":"neutral","sentiment_score":-0.08479221165180206,"channel":1,"num_words":1,"start":654.635,"end":655.135},{"sentences":[{"text":"it down and protecting it.","start":654.885,"end":656.185,"sentiment":"neutral","sentiment_score":-0.0680732361972332}],"sentiment":"neutral","sentiment_score":-0.0680732361972332,"channel":0,"num_words":5,"start":654.885,"end":656.185},{"sentences":[{"text":"Yeah.","start":656.875,"end":657.35504,"sentiment":"neutral","sentiment_score":0.061745405197143555},{"text":"Okay.","start":657.35504,"end":657.85504,"sentiment":"neutral","sentiment_score":0.13422870635986328}],"sentiment":"neutral","sentiment_score":0.09798705577850342,"channel":1,"num_words":2,"start":656.875,"end":657.85504},{"sentences":[{"text":"Beyond that, really, it was just the contributions I wanted to run by you.","start":659.445,"end":663.845,"sentiment":"neutral","sentiment_score":0.2428030792091574},{"text":"If you're already on top of that for January, that's fantastic.","start":663.845,"end":666.585,"sentiment":"positive","sentiment_score":0.5451099276542664},{"text":"The investments that we're 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funds.","start":686.425,"end":689.225,"sentiment":"neutral","sentiment_score":-0.03398466565542751},{"text":"So it's, like, 80% cheaper, way better performance over one three five in ten years, which is pretty much perfect.","start":689.225,"end":695.88,"sentiment":"neutral","sentiment_score":0.3039703227579594},{"text":"There's some","start":696.68,"end":697.16003,"sentiment":"neutral","sentiment_score":-0.06019817851483822}],"sentiment":"neutral","sentiment_score":0.18235961636227946,"channel":0,"num_words":31,"start":686.425,"end":697.16003},{"sentences":[{"text":"Yeah.","start":697.07996,"end":697.57996,"sentiment":"neutral","sentiment_score":-0.06527650356292725}],"sentiment":"neutral","sentiment_score":-0.06527650356292725,"channel":1,"num_words":1,"start":697.07996,"end":697.57996},{"sentences":[{"text":"term deposits in there that we have to remove because the government's phasing them out next 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do.","start":727.36,"end":730.42,"sentiment":"neutral","sentiment_score":-0.14210768043994904}],"sentiment":"neutral","sentiment_score":0.17177698098950916,"channel":0,"num_words":108,"start":697.16003,"end":730.42},{"sentences":[{"text":"Asset allocation is still staying around the 80% mark for that growth risk profile.","start":730.56,"end":734.58,"sentiment":"neutral","sentiment_score":0.05725140922835895},{"text":"We were getting your partner listed as beneficiary for Hub twenty four.","start":736.0,"end":740.46497,"sentiment":"neutral","sentiment_score":0.05376469995826483},{"text":"Not sure if you've already kind of filled those forms in since you spoke","start":740.46497,"end":743.985,"sentiment":"neutral","sentiment_score":-0.04174187247242246}],"sentiment":"neutral","sentiment_score":0.02155774785205722,"channel":0,"num_words":40,"start":730.56,"end":743.985},{"sentences":[{"text":"I","start":743.88,"end":744.38,"sentiment":"neutral","sentiment_score":-0.015559777617454529}],"sentiment":"neutral","sentiment_score":-0.015559777617454529,"channel":1,"num_words":1,"start":743.88,"end":744.38},{"sentences":[{"text":"to Kyle or if you need me to kind of post out some fresh ones.","start":743.985,"end":747.205,"sentiment":"neutral","sentiment_score":-0.055257875472307205}],"sentiment":"neutral","sentiment_score":-0.055257875472307205,"channel":0,"num_words":15,"start":743.985,"end":747.205},{"sentences":[{"text":"think I might have, yeah, just misplaced them.","start":749.72003,"end":753.16003,"sentiment":"neutral","sentiment_score":-0.2499376405030489},{"text":"Actually, if you wouldn't mind sending me some fresh ones, I think, yeah, I need to fill them entry.","start":753.16003,"end":758.3,"sentiment":"neutral","sentiment_score":-0.012650317610486558}],"sentiment":"neutral","sentiment_score":-0.08295767254161614,"channel":1,"num_words":27,"start":749.72003,"end":758.3},{"sentences":[{"text":"Cool.","start":758.96,"end":759.46,"sentiment":"neutral","sentiment_score":0.2916452884674072},{"text":"Would it be easier to kind of email them to print out, scan, and send back, or should we just post them with, like, a return envelope?","start":759.76,"end":765.935,"sentiment":"neutral","sentiment_score":0.1799178355269962},{"text":"Would that be easier?","start":765.935,"end":766.915,"sentiment":"neutral","sentiment_score":0.14431795477867126}],"sentiment":"neutral","sentiment_score":0.17895933333784342,"channel":0,"num_words":32,"start":758.96,"end":766.915},{"sentences":[{"text":"Email is fine.","start":768.335,"end":769.05505,"sentiment":"neutral","sentiment_score":0.24938801924387613},{"text":"Yeah.","start":769.05505,"end":769.17505,"sentiment":"neutral","sentiment_score":0.2370956391096115},{"text":"I got got print facilities at work.","start":769.17505,"end":771.375,"sentiment":"neutral","sentiment_score":0.21647422228540694},{"text":"So if you wanna email them to me, I'll I could scan them and get back to you.","start":771.375,"end":776.12,"sentiment":"neutral","sentiment_score":0.22273224674993092}],"sentiment":"neutral","sentiment_score":0.22447447221854638,"channel":1,"num_words":29,"start":768.335,"end":776.12},{"sentences":[{"text":"Easy done.","start":776.735,"end":777.295,"sentiment":"positive","sentiment_score":0.4531659036874771},{"text":"I'll let the team know to email those out.","start":777.295,"end":779.76996,"sentiment":"positive","sentiment_score":0.350710219807095},{"text":"A few reminders in there about wills and powers of attorney, and that's pretty much it for the time being.","start":780.07,"end":786.64996,"sentiment":"neutral","sentiment_score":0.11654405295848846},{"text":"I know you're in the car at the moment, but does all that kinda make sense?","start":787.43,"end":790.515,"sentiment":"neutral","sentiment_score":-0.045628271414898336}],"sentiment":"neutral","sentiment_score":0.12050111706745117,"channel":0,"num_words":47,"start":776.735,"end":790.515},{"sentences":[{"text":"Yeah.","start":791.825,"end":791.905,"sentiment":"neutral","sentiment_score":0.06292679905891418},{"text":"I think so, mate.","start":791.905,"end":792.705,"sentiment":"neutral","sentiment_score":0.05883615557104349},{"text":"I'll I'll have skip through, and I can get you on email anyway.","start":792.705,"end":797.185,"sentiment":"neutral","sentiment_score":0.09576908327065982},{"text":"Maybe if I'm looking through it in the next couple of days, I don't have any questions, but I think it all without understanding it all.","start":797.185,"end":804.69,"sentiment":"neutral","sentiment_score":-0.16436043768548048},{"text":"I know there's been the the tax system, there's been a few changes, so I probably don't slowly get me head around that at tax time too, just to completely understand it.","start":804.69,"end":814.21,"sentiment":"neutral","sentiment_score":-0.18093688040971756}],"sentiment":"neutral","sentiment_score":-0.1121063427509446,"channel":1,"num_words":76,"start":791.825,"end":814.21},{"sentences":[{"text":"But, yeah, understand you're kinda raised there.","start":814.21,"end":817.505,"sentiment":"neutral","sentiment_score":-0.03334296920469829},{"text":"There's a little bit might be a little bit","start":817.505,"end":819.66504,"sentiment":"neutral","sentiment_score":-0.028874517935845587}],"sentiment":"neutral","sentiment_score":-0.030829465365968645,"channel":1,"num_words":16,"start":814.21,"end":819.66504},{"sentences":[{"text":"Yeah.","start":819.505,"end":820.005,"sentiment":"neutral","sentiment_score":-0.008417666889727116}],"sentiment":"neutral","sentiment_score":-0.008417666889727116,"channel":0,"num_words":1,"start":819.505,"end":820.005},{"sentences":[{"text":"of a tax bill going forward that I haven't seen in the in in the past.","start":819.66504,"end":823.04504,"sentiment":"neutral","sentiment_score":-0.028080265736207366}],"sentiment":"neutral","sentiment_score":-0.028080265736207366,"channel":1,"num_words":16,"start":819.66504,"end":823.04504},{"sentences":[{"text":"The good thing at least is I've included, like, some links and a few of the terminology there.","start":823.66504,"end":828.385,"sentiment":"positive","sentiment_score":0.5005388028091855},{"text":"So if you have it kind of curious to kind of break it down, you should just be able to jump into the ATO website.","start":828.385,"end":833.14,"sentiment":"neutral","sentiment_score":0.2413404393196106},{"text":"It'll take you right there, and you can kind of have","start":833.14,"end":835.46,"sentiment":"neutral","sentiment_score":0.16722360321066596}],"sentiment":"neutral","sentiment_score":0.3126420197939431,"channel":0,"num_words":54,"start":823.66504,"end":835.46},{"sentences":[{"text":"Yes.","start":835.43,"end":835.93,"sentiment":"neutral","sentiment_score":0.08217644691467285}],"sentiment":"neutral","sentiment_score":0.08217644691467285,"channel":1,"num_words":1,"start":835.43,"end":835.93},{"sentences":[{"text":"a read.","start":835.46,"end":836.02,"sentiment":"neutral","sentiment_score":0.05427990294992924},{"text":"If you want further clarification, just call up, and we can have a chat.","start":836.02,"end":839.64,"sentiment":"neutral","sentiment_score":0.054154684501034875}],"sentiment":"neutral","sentiment_score":0.05417033680714667,"channel":0,"num_words":16,"start":835.46,"end":839.64},{"sentences":[{"text":"Yeah.","start":840.675,"end":841.075,"sentiment":"neutral","sentiment_score":0.14711825549602509},{"text":"Okay.","start":841.075,"end":841.395,"sentiment":"neutral","sentiment_score":0.3014388680458069},{"text":"Thanks, Tommy.","start":841.395,"end":842.215,"sentiment":"positive","sentiment_score":0.5634045898914337}],"sentiment":"positive","sentiment_score":0.39384157583117485,"channel":1,"num_words":4,"start":840.675,"end":842.215},{"sentences":[{"text":"Cool.","start":842.9,"end":843.4,"sentiment":"positive","sentiment_score":0.5410923957824707},{"text":"One thing I will do as well just quickly is I'm gonna double check just while I've got your ID just to make sure we've got it all up to date on file.","start":843.77997,"end":854.035,"sentiment":"neutral","sentiment_score":0.12914226238023152},{"text":"Can you bear with me","start":854.175,"end":854.975,"sentiment":"neutral","sentiment_score":0.0335846908390522}],"sentiment":"neutral","sentiment_score":0.12745411560321465,"channel":0,"num_words":39,"start":842.9,"end":854.975},{"sentences":[{"text":"Yeah.","start":854.92004,"end":855.42004,"sentiment":"neutral","sentiment_score":0.0206147413700819}],"sentiment":"neutral","sentiment_score":0.0206147413700819,"channel":1,"num_words":1,"start":854.92004,"end":855.42004},{"sentences":[{"text":"just for a few more seconds?","start":854.975,"end":856.275,"sentiment":"neutral","sentiment_score":0.010587476504345735}],"sentiment":"neutral","sentiment_score":0.010587476504345735,"channel":0,"num_words":6,"start":854.975,"end":856.275},{"sentences":[{"text":"Yeah.","start":857.08,"end":857.58,"sentiment":"neutral","sentiment_score":0.029021497815847397}],"sentiment":"neutral","sentiment_score":0.029021497815847397,"channel":1,"num_words":1,"start":857.08,"end":857.58},{"sentences":[{"text":"Alright.","start":860.095,"end":860.595,"sentiment":"neutral","sentiment_score":0.06656291335821152},{"text":"There you are, Rory.","start":862.74,"end":863.96,"sentiment":"neutral","sentiment_score":0.04643923602998257},{"text":"ID.","start":864.98,"end":865.48,"sentiment":"neutral","sentiment_score":0.015724090859293938},{"text":"Currently sitting at 320,000 at the moment.","start":870.42,"end":873.345,"sentiment":"neutral","sentiment_score":0.0048365893640688485},{"text":"We've got a bit of a updated service guide I mentioned earlier where we're updating kind of fee structures and things like that.","start":873.58496,"end":880.56494,"sentiment":"neutral","sentiment_score":0.04044904106337091}],"sentiment":"neutral","sentiment_score":0.0342285560650958,"channel":0,"num_words":36,"start":860.095,"end":880.56494},{"sentences":[{"text":"So what I might do, if you're comfortable, is we've kind of got you on until March for the current consent for us to be advisers on Hub twenty four.","start":881.02496,"end":889.57996,"sentiment":"neutral","sentiment_score":0.08335855826735497},{"text":"We have just brought in some discounts for clients above 200,000 where instead of 1.65%, drops down to 1.3 7.","start":890.44,"end":899.1,"sentiment":"neutral","sentiment_score":0.0893656512722373},{"text":"When you hit 500,000, it drops again to 1.1%.","start":899.63995,"end":903.79504,"sentiment":"neutral","sentiment_score":0.01065222556806273},{"text":"Do you want me to kind of send through one of those separately to have a look at?","start":904.49506,"end":908.195,"sentiment":"neutral","sentiment_score":0.017675618020196755}],"sentiment":"neutral","sentiment_score":0.06106624581742209,"channel":0,"num_words":77,"start":881.02496,"end":908.195},{"sentences":[{"text":"So, sir, you're saying I'm I'm currently at a bracket that you can you can drop the fees, is it?","start":910.55,"end":916.88995,"sentiment":"neutral","sentiment_score":0.001259828056208789}],"sentiment":"neutral","sentiment_score":0.001259828056208789,"channel":1,"num_words":20,"start":910.55,"end":916.88995},{"sentences":[{"text":"Pretty much.","start":917.44,"end":917.92004,"sentiment":"neutral","sentiment_score":0.031116721220314503},{"text":"Yeah.","start":917.92004,"end":918.16003,"sentiment":"neutral","sentiment_score":0.04107823967933655},{"text":"So what basically happens is the consent forms are kind of like no lock in contracts for, like, a twelve month consent for us to be advisers, charge fees, make transactions on your behalf.","start":918.16003,"end":929.22003,"sentiment":"neutral","sentiment_score":0.07614987047717851},{"text":"Your current","start":930.01495,"end":930.65497,"sentiment":"neutral","sentiment_score":0.0379186924546957}],"sentiment":"neutral","sentiment_score":0.0709806323911135,"channel":0,"num_words":39,"start":917.44,"end":930.65497},{"sentences":[{"text":"Yeah.","start":930.275,"end":930.775,"sentiment":"neutral","sentiment_score":0.056948933750391006}],"sentiment":"neutral","sentiment_score":0.056948933750391006,"channel":1,"num_words":1,"start":930.275,"end":930.775},{"sentences":[{"text":"one is the standard 1.65 for Oakview, which runs till","start":930.65497,"end":934.89496,"sentiment":"neutral","sentiment_score":0.04951671995222569}],"sentiment":"neutral","sentiment_score":0.04951671995222569,"channel":0,"num_words":10,"start":930.65497,"end":934.89496},{"sentences":[{"text":"Yeah.","start":934.88995,"end":935.38995,"sentiment":"neutral","sentiment_score":0.050331369042396545}],"sentiment":"neutral","sentiment_score":0.050331369042396545,"channel":1,"num_words":1,"start":934.88995,"end":935.38995},{"sentences":[{"text":"March.","start":934.89496,"end":935.39496,"sentiment":"neutral","sentiment_score":0.06005503982305527},{"text":"If we refresh one now, we can get you into that next bracket already as of today.","start":935.615,"end":940.815,"sentiment":"neutral","sentiment_score":0.14508305270882213},{"text":"Yes.","start":940.815,"end":941.31,"sentiment":"neutral","sentiment_score":0.0563986673951149}],"sentiment":"neutral","sentiment_score":0.13594029490884982,"channel":0,"num_words":19,"start":934.89496,"end":941.31},{"sentences":[{"text":"Oh, yeah.","start":942.32996,"end":942.81,"sentiment":"positive","sentiment_score":0.5288616120815277},{"text":"That's great.","start":942.81,"end":943.44995,"sentiment":"positive","sentiment_score":0.8154303431510925},{"text":"Yep.","start":943.44995,"end":943.76996,"sentiment":"neutral","sentiment_score":0.29322487115859985},{"text":"And I don't think if I if I ever make the next bracket, I'll be I don't think that's gonna happen, mate.","start":943.76996,"end":950.265,"sentiment":"neutral","sentiment_score":-0.16179938140240582},{"text":"Would you say 500,000, but we can 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conversation","start":966.06,"end":967.2,"sentiment":"neutral","sentiment_score":-0.004344315268099308}],"sentiment":"neutral","sentiment_score":-0.038561860140826965,"channel":0,"num_words":45,"start":953.895,"end":967.2},{"sentences":[{"text":"Yes.","start":966.92,"end":967.42,"sentiment":"neutral","sentiment_score":0.011765949428081512}],"sentiment":"neutral","sentiment_score":0.011765949428081512,"channel":1,"num_words":1,"start":966.92,"end":967.42},{"sentences":[{"text":"is like, oh, my 700,000 dropped to $5.80 and went back up to $8.20.","start":967.26,"end":971.92,"sentiment":"neutral","sentiment_score":-0.0564050767570734},{"text":"This is getting a little bit too real.","start":972.06,"end":973.74,"sentiment":"negative","sentiment_score":-0.5410267487168312},{"text":"Can we just, like, slow things down and protect it?","start":973.74,"end":976.4,"sentiment":"neutral","sentiment_score":-0.2651886478066444},{"text":"It it's 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have any $2,000,000 salary clients.","start":1004.02997,"end":1007.08997,"sentiment":"neutral","sentiment_score":-0.10767494887113571}],"sentiment":"neutral","sentiment_score":-0.10767494887113571,"channel":0,"num_words":6,"start":1004.02997,"end":1007.08997},{"sentences":[{"text":"Yeah.","start":1008.015,"end":1008.51,"sentiment":"neutral","sentiment_score":-0.01158214546740055},{"text":"No.","start":1008.59,"end":1008.83,"sentiment":"neutral","sentiment_score":-0.03706011176109314},{"text":"That that that that's a good bit.","start":1008.83,"end":1010.67,"sentiment":"neutral","sentiment_score":0.12496465018817357},{"text":"Yeah.","start":1010.67,"end":1010.91003,"sentiment":"neutral","sentiment_score":0.09857100248336792},{"text":"I'll flick them across 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like they're they're getting to a bit of a breaking point and quite bad.","start":1142.55,"end":1148.8151,"sentiment":"negative","sentiment_score":-0.38100565969944},{"text":"Then on the flip side, there's a huge further towards, you know, the AI build outs and all that kind of thing where people are","start":1149.435,"end":1156.555,"sentiment":"neutral","sentiment_score":-0.12571687906980514}],"sentiment":"neutral","sentiment_score":-0.23617747091175464,"channel":0,"num_words":89,"start":1127.315,"end":1156.555},{"sentences":[{"text":"Yeah.","start":1156.5249,"end":1157.0249,"sentiment":"neutral","sentiment_score":-0.09615403413772584}],"sentiment":"neutral","sentiment_score":-0.09615403413772584,"channel":1,"num_words":1,"start":1156.5249,"end":1157.0249},{"sentences":[{"text":"talking about 80%, 400%, 4,000 growth in different sectors, which between those companies, the money that they're spending is flowing out around the world to even tradies in Australia earning $3,400 to set up 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know?","start":1279.355,"end":1280.015,"sentiment":"neutral","sentiment_score":0.07057284936308861}],"sentiment":"neutral","sentiment_score":0.13370779218773046,"channel":1,"num_words":24,"start":1269.675,"end":1280.015},{"sentences":[{"text":"Yeah.","start":1280.5149,"end":1280.835,"sentiment":"neutral","sentiment_score":-0.050238389521837234},{"text":"I mean, in terms of your balance as an example, when that January issue kicked in, you went from $2.86 to $2.69 and then back up to 300,000 in a matter of weeks.","start":1280.835,"end":1292.78,"sentiment":"neutral","sentiment_score":0.043435479486078926}],"sentiment":"neutral","sentiment_score":0.04068036569172845,"channel":0,"num_words":34,"start":1280.5149,"end":1292.78},{"sentences":[{"text":"Yeah.","start":1293.655,"end":1294.055,"sentiment":"neutral","sentiment_score":0.059020623564720154},{"text":"Yeah.","start":1294.055,"end":1294.375,"sentiment":"neutral","sentiment_score":0.0698840394616127},{"text":"Yeah.","start":1294.375,"end":1294.615,"sentiment":"neutral","sentiment_score":0.09118346124887466},{"text":"So you can do you can see that.","start":1294.615,"end":1296.4551,"sentiment":"neutral","sentiment_score":0.13784908037632704},{"text":"But the I think the best thing to do is is barely delete the app for a year and just you know, if you're looking at it every week, you're getting too excited, but","start":1296.4551,"end":1306.71,"sentiment":"neutral","sentiment_score":0.10189527010216433}],"sentiment":"neutral","sentiment_score":0.10638488779465358,"channel":1,"num_words":45,"start":1293.655,"end":1306.71},{"sentences":[{"text":"Yeah.","start":1306.775,"end":1307.275,"sentiment":"neutral","sentiment_score":0.04823329299688339}],"sentiment":"neutral","sentiment_score":0.04823329299688339,"channel":0,"num_words":1,"start":1306.775,"end":1307.275},{"sentences":[{"text":"you wanna you wanna just back and forget about it.","start":1307.19,"end":1309.9299,"sentiment":"neutral","sentiment_score":0.05122660920023918}],"sentiment":"neutral","sentiment_score":0.05122660920023918,"channel":1,"num_words":10,"start":1307.19,"end":1309.9299},{"sentences":[{"text":"To be honest, that's kind of good advice for this next twelve months.","start":1310.535,"end":1314.715,"sentiment":"neutral","sentiment_score":0.2474922205393131},{"text":"One of the things that we're basically playing is a bit 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man.","start":1366.85,"end":1368.07,"sentiment":"positive","sentiment_score":0.6544048339128494}],"sentiment":"positive","sentiment_score":0.6544048339128494,"channel":1,"num_words":4,"start":1366.85,"end":1368.07},{"sentences":[{"text":"Easy done.","start":1368.6649,"end":1369.485,"sentiment":"positive","sentiment_score":0.6894398033618927},{"text":"From here so, again, two emails coming out to you and, actually, three beneficiaries will come out tomorrow from the admin team.","start":1369.625,"end":1377.54,"sentiment":"neutral","sentiment_score":0.22366989607160742},{"text":"Outside of that, I'll punch in for a twelve month review this time next year.","start":1378.0801,"end":1383.7001,"sentiment":"neutral","sentiment_score":0.16267500072717667},{"text":"Do you want me to","start":1383.76,"end":1384.7201,"sentiment":"neutral","sentiment_score":0.08555160909891128}],"sentiment":"neutral","sentiment_score":0.20835228128866715,"channel":0,"num_words":44,"start":1368.6649,"end":1384.7201},{"sentences":[{"text":"Yeah.","start":1384.695,"end":1385.195,"sentiment":"neutral","sentiment_score":0.13445934653282166}],"sentiment":"neutral","sentiment_score":0.13445934653282166,"channel":1,"num_words":1,"start":1384.695,"end":1385.195},{"sentences":[{"text":"put in anything for a catch up end of this year, sometime next year, any kind of quarterlies or six monthlies you would like?","start":1384.7201,"end":1391.775,"sentiment":"neutral","sentiment_score":0.13504551459724703}],"sentiment":"neutral","sentiment_score":0.13504551459724703,"channel":0,"num_words":24,"start":1384.7201,"end":1391.775},{"sentences":[{"text":"Yeah.","start":1394.46,"end":1394.94,"sentiment":"neutral","sentiment_score":0.2935856580734253},{"text":"That's that's fine.","start":1394.94,"end":1396.86,"sentiment":"positive","sentiment_score":0.3803667426109314},{"text":"Even six months or twelve months, that's fine.","start":1396.86,"end":1400.54,"sentiment":"neutral","sentiment_score":0.019789728336036205},{"text":"Maybe it's more of the same, I think, kinda just I think once once every twelve months, fine, miss.","start":1400.54,"end":1407.865,"sentiment":"neutral","sentiment_score":0.082929459449492}],"sentiment":"neutral","sentiment_score":0.10221494974628571,"channel":1,"num_words":31,"start":1394.46,"end":1407.865},{"sentences":[{"text":"Cool.","start":1408.53,"end":1409.03,"sentiment":"positive","sentiment_score":0.703779935836792},{"text":"I was just gonna get someone to touch base in in the new year and see how you went with the contributions.","start":1409.33,"end":1413.83,"sentiment":"positive","sentiment_score":0.506732236255299},{"text":"Just a reminder in case you forget.","start":1413.89,"end":1415.595,"sentiment":"neutral","sentiment_score":0.16723085939884186}],"sentiment":"positive","sentiment_score":0.43408350497484205,"channel":0,"num_words":30,"start":1408.53,"end":1415.595},{"sentences":[{"text":"Yeah.","start":1416.43,"end":1416.93,"sentiment":"neutral","sentiment_score":0.20619061589241028}],"sentiment":"neutral","sentiment_score":0.20619061589241028,"channel":1,"num_words":1,"start":1416.43,"end":1416.93},{"sentences":[{"text":"Other than that, twelve months, I'll have that review ready to go.","start":1416.635,"end":1419.775,"sentiment":"neutral","sentiment_score":0.24528893704215685}],"sentiment":"neutral","sentiment_score":0.24528893704215685,"channel":0,"num_words":12,"start":1416.635,"end":1419.775},{"sentences":[{"text":"Yeah.","start":1420.3501,"end":1420.75,"sentiment":"neutral","sentiment_score":0.2283189594745636},{"text":"Okay.","start":1420.75,"end":1421.0701,"sentiment":"positive","sentiment_score":0.35934293270111084},{"text":"Thanks, Tommy.","start":1421.0701,"end":1421.79,"sentiment":"positive","sentiment_score":0.7431389391422272},{"text":"Much appreciate it.","start":1421.79,"end":1422.8501,"sentiment":"positive","sentiment_score":0.8170693715413412}],"sentiment":"positive","sentiment_score":0.6464496978691646,"channel":1,"num_words":7,"start":1420.3501,"end":1422.8501},{"sentences":[{"text":"Awesome.","start":1423.0349,"end":1423.4349,"sentiment":"positive","sentiment_score":0.7363221645355225},{"text":"Or any questions for me before I let you go?","start":1423.4349,"end":1425.455,"sentiment":"positive","sentiment_score":0.36889576315879824}],"sentiment":"positive","sentiment_score":0.40229816328395496,"channel":0,"num_words":11,"start":1423.0349,"end":1425.455},{"sentences":[{"text":"No.","start":1426.0109,"end":1426.2509,"sentiment":"neutral","sentiment_score":-0.0842166543006897},{"text":"I rest everything.","start":1426.2509,"end":1427.1309,"sentiment":"neutral","sentiment_score":0.0965458353360494},{"text":"Thanks.","start":1427.1309,"end":1427.371,"sentiment":"positive","sentiment_score":0.41478344798088074},{"text":"Bye.","start":1427.371,"end":1427.871,"sentiment":"positive","sentiment_score":0.3680785894393921}],"sentiment":"neutral","sentiment_score":0.1647138148546219,"channel":1,"num_words":6,"start":1426.0109,"end":1427.871},{"sentences":[{"text":"Amazing.","start":1428.075,"end":1428.475,"sentiment":"positive","sentiment_score":0.7258187532424927},{"text":"Thank you for your time, mate, and I will talk to you soon.","start":1428.475,"end":1430.8708,"sentiment":"positive","sentiment_score":0.7279502015847427}],"sentiment":"positive","sentiment_score":0.7277979552745819,"channel":0,"num_words":14,"start":1428.075,"end":1430.8708},{"sentences":[{"text":"Okay.","start":1431.611,"end":1432.0109,"sentiment":"positive","sentiment_score":0.39441919326782227},{"text":"Take care.","start":1432.0109,"end":1432.7509,"sentiment":"positive","sentiment_score":0.5309410095214844}],"sentiment":"positive","sentiment_score":0.48543373743693036,"channel":1,"num_words":3,"start":1431.611,"end":1432.7509},{"sentences":[{"text":"Cheers.","start":1432.9508,"end":1433.4309,"sentiment":"positive","sentiment_score":0.6247947216033936},{"text":"Bye.","start":1433.4309,"end":1433.9309,"sentiment":"neutral","sentiment_score":-0.11010703444480896}],"sentiment":"neutral","sentiment_score":0.2573438435792923,"channel":0,"num_words":2,"start":1432.9508,"end":1433.9309}]},"summary":{"result":"success","short":"A senior adviser discusses financial strategy updates with Rory, including plans to increase savings and pay off mortgages, while also reducing risk and overhaul the portfolio. They also address projections for payroll and employer contributions, retirement plans, and the acceleration of risk reduction due to changes in tax regulations. The speaker discusses asset allocation, risk reduction, and the potential for growth in the Australian and American markets. They emphasize the importance of protecting investment risks and emphasize the need to focus on contributions rather than buying and holding. The speaker will have a review of contributions and thanks participants for their time."},"intents":{"segments":[{"text":"So your your sort of your updated strategy, everything that we're trying to sort of update change going forward, that's all ready to kind of look at with you.","start_word":79,"end_word":107,"intents":[{"intent":"Update strategy document","confidence_score":0.13335344}]},{"text":"So what I'll do is I'll send it through just so it's there. Yeah.","start_word":174,"end_word":187,"intents":[{"intent":"Send strategy document","confidence_score":0.70460874}]},{"text":"Also, sending you through a bit of an updated service guide with Oakview as well.","start_word":237,"end_word":251,"intents":[{"intent":"Update service guide","confidence_score":0.043693315}]},{"text":"heads up when you do your tax return, that'll come through.","start_word":1054,"end_word":1064,"intents":[{"intent":"Understand","confidence_score":0.009583909},{"intent":"Report","confidence_score":0.0054830913}]},{"text":"My estimates in the document was just pretty much if you stopped all the salary sacrifice now, what it would look like just based Yeah.","start_word":1065,"end_word":1089,"intents":[{"intent":"Estimate","confidence_score":0.32681036},{"intent":"Estimate","confidence_score":0.06322366}]},{"text":"My estimates in the document was just pretty much if you stopped all the salary sacrifice now, what it would look like just based Yeah. on pay calculator and a few things like that. Yeah.","start_word":1065,"end_word":1099,"intents":[{"intent":"Calculate","confidence_score":0.604098},{"intent":"Calculate","confidence_score":0.054421376}]},{"text":"You'll still possibly I think based on your income, would I have it as 262? Does that sound about right? Yeah.","start_word":1265,"end_word":1285,"intents":[{"intent":"Define","confidence_score":0.033292696},{"intent":"Determine","confidence_score":0.010618036},{"intent":"Confirm","confidence_score":0.039339866}]},{"text":"So what I'm Yeah. thinking is you you're probably right on that threshold where even without any salary sacrifice, you'll probably still fall into Yeah. that div two nine three category, a bit like my father-in-law and a lot of mining guys, where just expect a small bill every tax return for a little bit of extra contributions tax. Yeah.","start_word":1323,"end_word":1382,"intents":[{"intent":"Variate","confidence_score":0.009970033}]},{"text":"The quick and short of it is a bit of an overhaul of the portfolio.","start_word":1415,"end_word":1429,"intents":[{"intent":"Update portfolio","confidence_score":0.56029993}]},{"text":"That'll save at least $7.50 a year based on your current balance. Because it's percentage based, that kind of balloons out as your balance grows, if that makes sense. Yeah.","start_word":1511,"end_word":1540,"intents":[{"intent":"Saving money","confidence_score":0.1191116}]},{"text":"years, it goes up 20, some down 15. Average that as a benchmark to keep you on track. You're currently at eight and a half. New portfolio is just shy of 11 after fees, taxes, Yeah.","start_word":1569,"end_word":1604,"intents":[{"intent":"Tracking investment progress","confidence_score":0.000016889991}]},{"text":"Once we've built it up to that amount that you need, we're probably gonna switch the conversation to when do we reduce risk and start to protect it in the lead up to retirement.","start_word":1680,"end_word":1713,"intents":[{"intent":"Reducing risk","confidence_score":0.016543604}]},{"text":"term deposits in there that we have to remove because the government's phasing them out next year.","start_word":2051,"end_word":2067,"intents":[{"intent":"Replace term deposits","confidence_score":0.0025981741}]},{"text":"You know, you're keeping gold, for example, but we're just gonna bring it back to the 10% and a couple of new options in there for the lower fees.","start_word":2117,"end_word":2145,"intents":[{"intent":"Sell gold and rebalance","confidence_score":0.002739554}]},{"text":"Not sure if you've already kind of filled those forms in since you spoke I to Kyle or if you need me to kind of post out some fresh ones. think I might have, yeah, just misplaced them. Actually, if you wouldn't mind sending me some fresh ones, I think, yeah, I need to fill them entry. Cool.","start_word":2185,"end_word":2242,"intents":[{"intent":"Obtain new forms","confidence_score":0.008944236}]},{"text":"Actually, if you wouldn't mind sending me some fresh ones, I think, yeah, I need to fill them entry. Cool.","start_word":2223,"end_word":2242,"intents":[{"intent":"Send new forms","confidence_score":0.1894403}]},{"text":"Would it be easier to kind of email them to print out, scan, and send back, or should we just post them with, like, a return envelope? Would that be easier?","start_word":2243,"end_word":2273,"intents":[{"intent":"Print forms","confidence_score":0.34856054},{"intent":"Email documents","confidence_score":0.024675647}]},{"text":"A few reminders in there about wills and powers of attorney, and that's pretty much it for the time being.","start_word":2314,"end_word":2333,"intents":[{"intent":"Share wills and powers of attorney","confidence_score":0.00025197648}]},{"text":"I know there's been the the tax system, there's been a few changes, so I probably don't slowly get me head around that at tax time too, just to completely understand it.","start_word":2394,"end_word":2425,"intents":[{"intent":"Understand tax system and changes","confidence_score":0.0056354287}]},{"text":"We've got a bit of a updated service guide I mentioned earlier where we're updating kind of fee structures and things like that.","start_word":2594,"end_word":2616,"intents":[{"intent":"Update fee structures and discounts","confidence_score":0.0014193894}]},{"text":"So, sir, you're saying I'm I'm currently at a bracket that you can you can drop the fees, is it?","start_word":2694,"end_word":2713,"intents":[{"intent":"Drop fees","confidence_score":0.0374537}]},{"text":"But in terms of what what do your analysts think of like, is there projecting the way if if if it continues going, like, would you expect the average raise or return if it just keeps going the way it's going with high inflation and oil prices to kinda continue at the raise of that, or do you think it it could progressively get worse if this the war and bits and pieces just continue? Yeah.","start_word":3120,"end_word":3195,"intents":[{"intent":"Forecasting future economic impact","confidence_score":0.0016060248}]},{"text":"Yeah. there's a huge kind of economic issue and crash potential on the left side, and then there's also a huge growth sitting over here with that amount of spending spreading around the world.","start_word":3457,"end_word":3490,"intents":[{"intent":"Analyze economic impact","confidence_score":0.539076}]},{"text":"I mean, in terms of your balance as an example, when that January issue kicked in, you went from $2.86 to $2.69 and then back up to 300,000 in a matter of weeks. Yeah. Yeah.","start_word":3767,"end_word":3801,"intents":[{"intent":"Review balance","confidence_score":0.0840372}]}]},"sentiments":{"segments":[{"text":"Good evening, Rory. It's Tommy here, senior adviser, mate.","start_word":0,"end_word":8,"sentiment":"neutral","sentiment_score":0.3052610456943512},{"text":"Thank you so much for calling back.","start_word":9,"end_word":15,"sentiment":"positive","sentiment_score":0.6023378968238831},{"text":"Charlie, sorry I wasn't available at 05:30. Just got caught up with something at the end that walked there, so my apologies. No. You're totally alright, mate. I know how it is. Sometimes work goes over, and we do what we must say. Yeah.","start_word":16,"end_word":59,"sentiment":"neutral","sentiment_score":-0.0919823795557022},{"text":"Thanks, man. Appreciate it. Awesome. Now I really wanna get in touch with you for a couple of things. So your your sort of your updated strategy, everything that we're trying to sort of update change going forward, that's all ready to kind of look at with you.","start_word":60,"end_word":107,"sentiment":"positive","sentiment_score":0.462035596370697},{"text":"My first question for tonight is do you have access to your emails to have a look at the the strategy document with me today, or should I just kinda give you a bit of a walk through? Just in the car, mate. So if you give me a walk through, and I'll I'll have a look at it later tonight. Yep. No worries at all. So what I'll do is I'll send it through just so it's there. Yeah. It'll go through your Gmail still okay for the main email address? Yeah. Yeah.","start_word":108,"end_word":201,"sentiment":"neutral","sentiment_score":0.12947434186935425},{"text":"Perfect.","start_word":202,"end_word":202,"sentiment":"positive","sentiment_score":0.3474523425102234},{"text":"So what's coming through is basically a statement of advice, a research appendix, and a few product documents with, you know, all the PDFs from the super funds and providers and things like that. Also, sending you through a bit of an updated service guide with Oakview as well. So a few supporting docs, but one main one, if that makes sense. Yep. Now main thing is so your file, you had a conversation with Kyle before the end of financial year, and there was a few changes we were trying to make. Unfortunately, the world kind of exploded a few times in between then and now, so we've had to make a few additional pivots for this whole updated plan just to mix in what's going on with the Iran war, the interest rates going up, the capital gains tax changes. I don't know if you've seen all that happening on the news. Yeah. Yeah. Yeah. No. I'm across a bit of a Jeff.","start_word":203,"end_word":367,"sentiment":"neutral","sentiment_score":0.029850978788101314},{"text":"Cool.","start_word":368,"end_word":368,"sentiment":"positive","sentiment_score":0.34126198291778564},{"text":"So there's a few things that we're updating in here, but there's a main one here I wanted to touch base on just in terms of your contributions to super, just all the salary sacrifice and everything like that. Yeah. Now in terms of, I guess, the scope of advice, it was doing the contribution advice, the portfolio, a few estate planning things. I don't believe we were doing anything with your insurances at this place because you've got workplace cover that kind of protects you if that rings a bell. Yeah. Yeah.","start_word":369,"end_word":461,"sentiment":"neutral","sentiment_score":0.03515169396996498},{"text":"That's great, Jack. Cool.","start_word":462,"end_word":465,"sentiment":"positive","sentiment_score":0.6734404563903809},{"text":"And now just because this is the first time I've spoken to you, I wanna double just check the goals here. We had you obviously really focusing on building up the savings and paying off the mortgage, a few sort of things that you're, you know, obviously handling yourself personally. Does that sound about the main focus? Is there anything I've missed there? Yeah. That's the the salary sacrifice as well I make. I think I've worked it out that by January 1. That sacrifice, I'll I'll probably start because it's I forget what it's called. It's The I the carry had forward to build rule. up yeah. The carry Yep. forward stuff. Yeah. So I I had a I, you know, I got a I got a significant wage increase, say, three two and a half, three years ago. Yeah. Before that, I probably had $50.60 grand available to carry forward. So I think I left that exhausted on January 1. So I'll I'll be just dropping back. I think my gross salary, what is it, 12% now kinda gets me to the roughly the cap anyway, so there wouldn't be, you know, much to do salary sacrifice with without the carry forward stuff to without getting taxed higher anyways. You know? So I'll I'll probably Yeah. be in winding that up, I think, in January.","start_word":466,"end_word":692,"sentiment":"neutral","sentiment_score":0.03038969186302849},{"text":"Perfect.","start_word":693,"end_word":693,"sentiment":"positive","sentiment_score":0.6913623213768005},{"text":"And so you've already kept on top of, like, your myGov account to see how much is kinda left over? Yeah. I think there's roughly $10 there at the end of this financial year left over.","start_word":694,"end_word":729,"sentiment":"neutral","sentiment_score":0.2900594472885132},{"text":"So and it kinda worked out that that by January, I love I love exhausted that. Perfect. Perfect.","start_word":730,"end_word":747,"sentiment":"positive","sentiment_score":0.5970032811164856},{"text":"So the main thing in this document here alongside the portfolio changes is I've just had to put in a lot of disclaimers around the contributions kind of thing because that salary sacrifice amount, like, obviously, if you continued it for the full financial year, we're talking like another 50 something thousand dollars of combined concessional contributions, which would really push you over. And Yeah. the second thing is just with your income being up as high as it is, your I've I've given you some estimates on the division two nine three taxes. I don't know if you got that in the last couple of tax returns, those notices from the ATO. It's not ringing any bell. Let me know. I'll probably have to get tuned in to what that is. Cool. So the long and short of it is if your income and contributions combined is above 250,000, the government pretty much just hits you with an extra 15% tax. But rather than taking it out of the super fund, they actually send you a bill for it at your tax return, and you can elect to either pay it personally or have the money come out of the super fund to pay So that's that's on earnings over 250. Is it 50% extra on that, is it? it. Yeah. So there's a bit of a formula where they say if it's your either your excess contributions above it or lesser of another amount, and they basically then calculate another 15%. It still works out for the high income earners to still be a tax savings, but instead of, Yes. you know, 22% tax savings or 30%, it goes down to more like a sixteen, eighteen kind of thing for those extra little amounts. Yeah. Yeah. Yeah. Yep. Yeah. So just No. a Understand. heads up when you do your tax return, that'll come through. My estimates in the document was just pretty much if you stopped all the salary sacrifice now, what it would look like just based Yeah. on pay calculator and a few things like that. Yeah. Okay.","start_word":748,"end_word":1100,"sentiment":"neutral","sentiment_score":0.02301209320765379},{"text":"Cool.","start_word":1101,"end_word":1101,"sentiment":"positive","sentiment_score":0.4321832060813904},{"text":"I've based just the projections on your employer contributions going forward because, again, I don't wanna just put in there that you're chucking in $50 a year for a decade and all Yes. the taxes that come with it. So I've just gone as conservative as I can with the projections. Yeah. So I think I think if I think roughly, I've been about averaging somewhere around $50 a year. So this this year, if I if the contribution stop in January, it's probably 40,000. And then it it'll be the, The you know, 12 what's percent the, after that. yeah, the the 12% that is a is a grand now or something as well that you can do do a year without incurring more tax. So I think I'll be defaulting back to last $40 this year and then 30 going forward. Yeah.","start_word":1102,"end_word":1245,"sentiment":"neutral","sentiment_score":0.1223168894648552},{"text":"Perfect.","start_word":1246,"end_word":1246,"sentiment":"positive","sentiment_score":0.3946425914764404},{"text":"So it's 32.5 now, and, obviously, Yeah. that includes That's your that's employee what it'll contributions. be? Yeah. You'll still possibly I think based on your income, would I have it as 262? Does that sound about right? Yeah. I think I think that's right. Yeah. Yeah. Including including I think it that might include my vehicle as well, which I've got a company care. I think that might make part of that salary package. Gotcha. So what I'm Yeah. thinking is you you're probably right on that threshold where even without any salary sacrifice, you'll probably still fall into Yeah. that div two nine three category, a bit like my father-in-law and a lot of mining guys, where just expect a small bill every tax return for a little bit of extra contributions tax. Yeah. Gotcha. Oh, yeah. Cool. Now sort of main things. So we've got assets and liabilities listed in there. If you read the document and there's any major changes, just let us know. The quick and short of it is a bit of an overhaul of the portfolio. So with the Hub 24, because it's a wrap platform, we do have to factor in things like capital gains tax under the hood and factor that into the projections whenever we change investments, if that makes sense. Is it?","start_word":1247,"end_word":1469,"sentiment":"neutral","sentiment_score":0.07092260038104292},{"text":"So what we've got here is a full kind of update is looking at around about 1,500 of capital gains tax for the super, but a fee savings we're we're able to get the fees the investment fees down in half. That'll save at least $7.50 a year based on your current balance. Because it's percentage based, that kind of balloons out as your balance grows, if that makes sense.","start_word":1470,"end_word":1539,"sentiment":"positive","sentiment_score":0.38074755668640137},{"text":"Yeah. Okay. In terms of average returns, your growth risk profile, you you kind of wanna hit that kind of nine nine, 10% average long Yes. term. Some Yes. years, it goes up 20, some down 15. Average that as a benchmark to keep you on track. You're currently at eight and a half. New portfolio is just shy of 11 after fees, taxes, Yeah. Okay. Quite a few disclaimers in here. Again, I think what we're looking at here just based on your high income is a ten year projection a little over 700,000 currently. If we update the portfolio, you could hit close to 900,000 in ten years. So you're really gonna get to that point based on your current balance where you're gonna have this huge acceleration where every 20% return is another fifty, eighty, 100 grams. Once we've built it up to that amount that you need, we're probably gonna switch the conversation to when do we reduce risk and start to protect it in the lead up to retirement. Yeah. Okay. So, again, bit of an acceleration and then a bit of a talk of a hard stop at some point or a bit of a tapering Yeah. off, so so to speak. Yeah. We had you wanting to kind of retire as early as possible at age 60. Sound about right? Yeah. Yeah. Be I'll be interested in any options to get for that. But, yeah, kinda kinda probably accepted. I'm gonna have to go to them at that age. Yeah.","start_word":1540,"end_word":1796,"sentiment":"neutral","sentiment_score":0.09320468255518012},{"text":"Unfortunately, the all these changes to capital gains tax impacts the normal investing too, not just properties, which is not as fun.","start_word":1797,"end_word":1818,"sentiment":"negative","sentiment_score":-0.42776399850845337},{"text":"Still nice to invest and grow wealth personally, but just not as tax effective. I think the main thing to keep in mind too is eighteen years until retirement, you've kind of got two and a half market cycles left. So what that kind of tells me is, you know, every seven years, there's a global financial crisis or a COVID or a crash of some kind if that that rings a bell. Yeah. Pretty much, we go through a couple of those, keep those high returns for as long as we can. In the last seven to nine years, that's probably when you've got that, you know, mil, mil and a half, and we start tapering Yeah. it down and protecting it. Yeah. Okay. Beyond that, really, it was just the contributions I wanted to run by you.","start_word":1819,"end_word":1957,"sentiment":"neutral","sentiment_score":-0.09560640156269072},{"text":"If you're already on top of that for January, that's fantastic.","start_word":1958,"end_word":1968,"sentiment":"positive","sentiment_score":0.5760309100151062},{"text":"The investments that we're switching. So there's quite a few in there that are gonna be updated based on my recommendation and Carl's research. Main thing I wanted to let you know is one in particular, the Benelong, was the one that was kind of dragging its feet underperforming. Yeah. That's being replaced with a low fee index funds. So it's, like, 80% cheaper, way better performance over one three five in ten years, which is pretty much perfect. There's some Yeah. term deposits in there that we have to remove because the government's phasing them out next year. We've had a huge return out of those, but we just wanna sell them before everybody has to get out of that type of term deposit and just switch it with a bit of a sidestep.","start_word":1969,"end_word":2103,"sentiment":"neutral","sentiment_score":0.06770364275823036},{"text":"Most everything else will be pretty much rebalanced to where it should be. You know, you're keeping gold, for example, but we're just gonna bring it back to the 10% and a couple of new options in there for the lower fees.","start_word":2104,"end_word":2145,"sentiment":"positive","sentiment_score":0.34141042828559875},{"text":"Outside of that, I don't believe there was really much else to do. Asset allocation is still staying around the 80% mark for that growth risk profile. We were getting your partner listed as beneficiary for Hub twenty four. Not sure if you've already kind of filled those forms in since you spoke I to Kyle or if you need me to kind of post out some fresh ones. think I might have, yeah, just misplaced them. Actually, if you wouldn't mind sending me some fresh ones, I think, yeah, I need to fill them entry. Cool. Would it be easier to kind of email them to print out, scan, and send back, or should we just post them with, like, a return envelope? Would that be easier? Email is fine. Yeah. I got got print facilities at work. So if you wanna email them to me, I'll I could scan them and get back to you.","start_word":2146,"end_word":2302,"sentiment":"neutral","sentiment_score":0.047901980578899384},{"text":"Easy done. I'll let the team know to email those out.","start_word":2303,"end_word":2313,"sentiment":"positive","sentiment_score":0.3616151213645935},{"text":"A few reminders in there about wills and powers of attorney, and that's pretty much it for the time being. I know you're in the car at the moment, but does all that kinda make sense? Yeah. I think so, mate. I'll I'll have skip through, and I can get you on email anyway. Maybe if I'm looking through it in the next couple of days, I don't have any questions, but I think it all without understanding it all. I know there's been the the tax system, there's been a few changes, so I probably don't slowly get me head around that at tax time too, just to completely understand it. But, yeah, understand you're kinda raised there. There's a little bit might be a little bit Yeah. of a tax bill going forward that I haven't seen in the in in the past.","start_word":2314,"end_word":2458,"sentiment":"neutral","sentiment_score":-0.05098626429921594},{"text":"The good thing at least is I've included, like, some links and a few of the terminology there.","start_word":2459,"end_word":2476,"sentiment":"positive","sentiment_score":0.5079922080039978},{"text":"So if you have it kind of curious to kind of break it down, you should just be able to jump into the ATO website. It'll take you right there, and you can kind of have Yes. a read. If you want further clarification, just call up, and we can have a chat. Yeah. Okay.","start_word":2477,"end_word":2531,"sentiment":"neutral","sentiment_score":0.16645152866840365},{"text":"Thanks, Tommy. Cool.","start_word":2532,"end_word":2534,"sentiment":"positive","sentiment_score":0.5559672117233276},{"text":"One thing I will do as well just quickly is I'm gonna double check just while I've got your ID just to make sure we've got it all up to date on file. Can you bear with me Yeah. just for a few more seconds? Yeah. Alright. There you are, Rory. ID. Currently sitting at 320,000 at the moment. We've got a bit of a updated service guide I mentioned earlier where we're updating kind of fee structures and things like that. So what I might do, if you're comfortable, is we've kind of got you on until March for the current consent for us to be advisers on Hub twenty four. We have just brought in some discounts for clients above 200,000 where instead of 1.65%, drops down to 1.3 7. When you hit 500,000, it drops again to 1.1%. Do you want me to kind of send through one of those separately to have a look at? So, sir, you're saying I'm I'm currently at a bracket that you can you can drop the fees, is it? Pretty much. Yeah. So what basically happens is the consent forms are kind of like no lock in contracts for, like, a twelve month consent for us to be advisers, charge fees, make transactions on your behalf. Your current Yeah. one is the standard 1.65 for Oakview, which runs till Yeah. March. If we refresh one now, we can get you into that next bracket already as of today. Yes.","start_word":2535,"end_word":2783,"sentiment":"neutral","sentiment_score":0.06282857805490494},{"text":"Oh, yeah. That's great.","start_word":2784,"end_word":2787,"sentiment":"positive","sentiment_score":0.6864412426948547},{"text":"Yep. And I don't think if I if I ever make the next bracket, I'll be I don't think that's gonna happen, mate. Would you say 500,000, but we can dream. Look. We've got plenty of clients, 0.5 a mil, a mil. We've got a couple approaching the 2 mil mark. You'd be surprised that when you hit those late forties, how much it kind of compounds out to be, early fifties. And then that conversation Yes. is like, oh, my 700,000 dropped to $5.80 and went back up to $8.20.","start_word":2788,"end_word":2878,"sentiment":"neutral","sentiment_score":-0.06399247795343399},{"text":"This is getting a little bit too real.","start_word":2879,"end_word":2886,"sentiment":"negative","sentiment_score":-0.5341334342956543},{"text":"Can we just, like, slow things down and protect it? It it's nice Oh, to sorry. kind of This aim for is the this is this is balance. Is it super sorry. I thought when you said the the two I thought you were you were just annual salary. Is it so this is based off your total balance, is it? Yeah. moment. We've added brackets in for 2 to 500,000, 500 and above. Would be pretty funny if we did it on the 500,000 income. No. Yeah. We Yeah. don't have any $2,000,000 salary clients. Yeah. No. That that that that's a good bit. Yeah. I'll flick them across me. I'll I'll get them signed as well. I'll look back to you on email. Yep.","start_word":2887,"end_word":3012,"sentiment":"neutral","sentiment_score":-0.026551006361842155},{"text":"Perfect.","start_word":3013,"end_word":3013,"sentiment":"positive","sentiment_score":0.4072996973991394},{"text":"So it'll just be two separate emails. One for the statement of advice for the investment switches. The other one will be the new consent form with the updated fee structure and service guide. Yeah. Yeah. Yeah. Yeah. Yeah. Just high level, anyway, just like what's going on. Like, it's it looks keep an eye on on balance and and, obviously, the app there shows you a nice trend of what's been happening. And and, you know, I kinda I think when I joined you first, there was there was some very it kinda tapered off probably since a lot of the volatility that you mentioned. But in terms of what what do your analysts think of like, is there projecting the way if if if it continues going, like, would you expect the average raise or return if it just keeps going the way it's going with high inflation and oil prices to kinda continue at the raise of that, or do you think it it could progressively get worse if this the war and bits and pieces just continue? Yeah. So we actually met with are you familiar with, like, Vanguard and BlackRock and those kind of big fund manager names? Yeah. Yeah. No. I've got me at yeah. No no no one there about you. So we we had a portfolio built for us by BlackRock who sort of first in Australia to to kind of build one with them, and Yeah. we just spoke to them earlier in the week. Normally, what tends to happen, and I'll give you my honest answer here, every seven years, there's a, you know, crash and growth cycle, crash and growth, crash and growth, and those long term averages, you know, they bounce between the 8% to 14% depending on how bad that year is, if that makes sense. What we're kind of Yeah. seeing at the moment is a little bit different where on one side of things, you've got the the high inflation, low productivity, the debts, the the interest rates hitting the homeowners in Australia and and all that kind of thing.","start_word":3014,"end_word":3368,"sentiment":"neutral","sentiment_score":-0.07237846830361326},{"text":"So there's a lot of areas where things look like they're they're getting to a bit of a breaking point and quite bad.","start_word":3369,"end_word":3391,"sentiment":"negative","sentiment_score":-0.3754010200500488},{"text":"Then on the flip side, there's a huge further towards, you know, the AI build outs and all that kind of thing where people are Yeah. talking about 80%, 400%, 4,000 growth in different sectors, which between those companies, the money that they're spending is flowing out around the world to even tradies in Australia earning $3,400 to set up a data center. So Yeah. Yeah. there's a huge kind of economic issue and crash potential on the left side, and then there's also a huge growth sitting over here with that amount of spending spreading around the world. So what it's kinda Yeah. looking at is some countries and sectors are probably, like, crash prone, and some countries and sectors are probably growth prone. One could Yeah. crash 40% while the other one, some companies are up 4000%. So what that really means coming back is depending on the satellites we invest you in, there could be huge growth or the main issues. And then combined that buzzword of volatility. The the general markets are gonna be higher highs, lower lows for the whole rest of this year and at least the first six months of next year. So the Yeah. Australian market, American market, up and down like a yo yo, and then alongside Yeah. that, major trends of either this going down while that soars up. Yeah. Yeah. Does that Did kind of answer did the actually question a bit? yeah. No. I got yeah. They did that that volatility. They kinda, like, know what's that instead of once it was when Trump got in first and all of the talk about tariffs, and it it sort of slowed for a few months. And then then that tapered off maybe for a month or two before the war started, and there was a there was a bit of a bounce that it actually I kinda noticed. It almost ended up in the same place as if the growth if tariffs have never been brought up, you know, and the growth was just average. It's kinda Yeah. funny how it can bounce back very quickly and very extremely after kinda a few months of of, say, lesser lesser growth. You know? Yeah. I mean, in terms of your balance as an example, when that January issue kicked in, you went from $2.86 to $2.69 and then back up to 300,000 in a matter of weeks. Yeah. Yeah. Yeah. So you can do you can see that. But the I think the best thing to do is is barely delete the app for a year and just you know, if you're looking at it every week, you're getting too excited, but Yeah. you wanna you wanna just back and forget about it. To be honest, that's kind of good advice for this next twelve months. One of the things that we're basically playing is a bit of a law of averages where it's gonna be going up and down $20.30, $40,000 every couple of months. And once you Yeah. average it out over five years, we're trying to make sure we're hitting that 12%, whereas everyone else is getting seven, eight. That's Yeah. gonna compound nicely for you. But in between, you almost basically just wanna play a I wouldn't say a buy and hold. I would say contributions are coming in. So anytime there's a dip, we just use it as a Yeah. Yeah. buying opportunity. That's I can't time the market. BlackRock has their Aladdin software, which is the biggest that's one in the world. They can't time the market either, and I just wouldn't yeah. even bother trying because people try to rank COVID. That was hard enough as it was. Right now, it seems to be a little bit more random than even COVID was. Yeah. Yeah. Okay. Alright. Interested.","start_word":3392,"end_word":4036,"sentiment":"neutral","sentiment_score":-0.05663755369740863},{"text":"Thanks for that, man. Easy done.","start_word":4037,"end_word":4042,"sentiment":"positive","sentiment_score":0.6530323624610901},{"text":"From here so, again, two emails coming out to you and, actually, three beneficiaries will come out tomorrow from the admin team. Outside of that, I'll punch in for a twelve month review this time next year. Do you want me to Yeah. put in anything for a catch up end of this year, sometime next year, any kind of quarterlies or six monthlies you would like? Yeah.","start_word":4043,"end_word":4110,"sentiment":"neutral","sentiment_score":0.16921105520690188},{"text":"That's that's fine.","start_word":4111,"end_word":4113,"sentiment":"positive","sentiment_score":0.3905235528945923},{"text":"Even six months or twelve months, that's fine. Maybe it's more of the same, I think, kinda just I think once once every twelve months, fine, miss.","start_word":4114,"end_word":4140,"sentiment":"neutral","sentiment_score":0.07735023647546768},{"text":"Cool. I was just gonna get someone to touch base in in the new year and see how you went with the contributions.","start_word":4141,"end_word":4163,"sentiment":"positive","sentiment_score":0.5203388333320618},{"text":"Just a reminder in case you forget. Yeah. Other than that, twelve months, I'll have that review ready to go. Yeah.","start_word":4164,"end_word":4184,"sentiment":"neutral","sentiment_score":0.21636447310447693},{"text":"Okay. Thanks, Tommy. Much appreciate it. Awesome. Or any questions for me before I let you go?","start_word":4185,"end_word":4201,"sentiment":"positive","sentiment_score":0.5454672574996948},{"text":"No. I rest everything.","start_word":4202,"end_word":4205,"sentiment":"neutral","sentiment_score":0.05002129077911377},{"text":"Thanks. Bye. Amazing. Thank you for your time, mate, and I will talk to you soon. Okay. Take care. Cheers. Bye.","start_word":4206,"end_word":4226,"sentiment":"positive","sentiment_score":0.6076250076293945}],"average":{"sentiment":"neutral","sentiment_score":0.04800390573942358}}}}