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I just had you booked in for a bit of a catch up in relation to the advice we provided a few months back. Is now still a good time there for you? Fantastic. Before I jump into the call, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And then, also, just to do a really quick security check there with you, just to confirm your full name, your date of birth, and address I should have on file. Yeah. Fantastic. Beautiful. Thank you so much for that, Sharon. So just as with the the cat test today, one of the things that was sort of made mention was that you seemed pretty happy with most of the advice there. The main sort of aspect was that trans transition to retirement strategy you weren't weren't sure if you wanted to go ahead with. Does that sound about right? Yep. That's okay. So the way a transition retirement strategy works is that, essentially, at the moment, you've got your super account, and your super is sitting in what's called an accumulation phase. Essentially, to have this TTR strategy as it's called shortly, we look to increase your contributions in the super as much as we possibly cap can up to the concessional cap to say as an example, the concessional cap is 32,500 this financial year. So we look at what your income is and what your employer So we look at what your income is and what your employer contributions are going in and then increase those contributions up to the cap as much as we possibly can. Now because that money goes into super by way of salary sacrifice, it reduces how much you have take home pay. That's generally not preferable because it means that you end up with less money to pay all of your bills. So then we can open up a secondary account. And because you're over over 60, we're able to open up a a it's called a transition to retirement pension account. The rules of opening up this pension account are that you can only access a minimum at the moment of 4% of your balance transferred and a maximum of 10%. And so because we're putting more money into super by way of salary sacrifice, we're also drawing some out to replenish your income. And the money that comes out of that transition retirement pension is tax free because you're over the age of 60, And we don't have to take as much out as what we're putting in because the money going in is pretax. Essentially, it keeps your take home pay exactly the same. You pay less tax because you're putting more money in the super from your pretax income, and your take home pay isn't effective because you're getting your income from your employer plus this money out of your super out of this pension account to supplement your income. Does that make a little bit more sense? Yes. That's correct. It goes into your bank account from this secondary pension account. Yeah. No. You don't because you're over 60. Yeah. Very quickly. Yeah. Correct. So this salary sacrifice happens with your employer. When we set up the transition time and pension account, we allocate when you want those pension payments to be made. So say if you get paid on a Wednesday once every fortnight, we can have that payment so it's drawn down on that same Wednesday so it hits your account the same day as your income or the next day. We actually get a lot of control as to when the, those funds are expected to hit your bank account. Yes. So with your salary sacrifice, are you salary sacrificing in the super, or are you paying bills or having money moved into different areas? How how does your salary sacrifice work? Mhmm. Mhmm. Right. So what you're yeah. Sorry. Yep. Yep. That's okay. So what you're essentially doing is called salary packaging. So you're packaging your money or having your money moved from your pretax income onto this card so you can pay your bills, and that money is moved out pretax. And the same thing with your rent. Your rent is being paid pretax. Salary sacrifice by putting more money into super works basically the same way. It's like a 100 doll if you are doing, say, a $100 salary sacrifice into super, that $100 is taken out of your income before your income tax is paid, and it's put into super. So instead of if you're in a 30% tax bracket, 30% of a $100, if that $100 went into your pay and into your bank account, you would pay 30% tax on that money. By putting it into super, you're only paying 15% tax. Well, the super fund is only paying 15% tax. So that $100 is leaving your your wage or your employer is paying that into super before they work out your income tax. So you're actually not paying income tax on on your personal income tax on that $100. It's going into super and then having 15% tax taken out of it. Yes. Yes. Yeah. So it is a different sort of salary sacrifice. It is money going out of your income and into super, and it helps to boost your super, helps to, you know, make sure you've got more money invested in super working towards your retirement aspect. Yeah. Generally, look, preferably, you wanna yeah. Preferably, you'd kinda wanna do it around about tax time. But because it is hard to kinda get every TTR plan done in time and sort of start everything around that time, there's no there's no real, you know, best or worst start time. As soon as possible is generally the best way to go. Because this advice has been provided back in May, it is, unfortunately, fully expired now, so I'll have to go back and redo it for you. No. Yeah. That's okay. Don't. That's honestly fine. Not a problem at all. If you can just maybe send me through your payslips again. Just send me, like, your last two payslips. I can go back through. Just double check the numbers because there could be now some discrepancy from what we presented last time. We can go perfect. So we can go back and just double check the numbers against the TTR strategy for you. I can update the document and send it through. Alternatively, if you don't wanna do that, you can just go forward. I can just do, like, an investment switch because the other part of the plan was to alter your investments. We were looking at reducing your risk level as well. So at the moment, having a look sorry. At the moment, you're in more of that growth environment. And because you are generally about sort of four to five years out from wanting to access your funds and starting to retire, we also talked about reducing your risk level in the market. So, you know, altering your investments, reducing risk in the market. As one of the biggest things, when you are reducing risk, you are reducing the expected returns that come out of the portfolio. In saying that, some some lower risk portfolios have really great years, and you can get still get a ten, fifteen, or 20% return. But, yes, the idea is when you are reducing risk, you are reducing the expected returns that you are getting, and that is because you're protecting your capital. So in that growth portfolio you're in now, you see that 80% of your super invested in those growth assets. So think about things like Australian shares, international shares, listed property and commodities, so gold and silver. Those sorts of investments go up and down quite drastically. And when you have a down time, you feel that more drastically. That growth portfolio the growth environment normally suits someone who has at least six years before accessing their money. Because if you think back to the GFC in the, you know, early to mid two thousand, 2007, 2008, a lot of people were about to retire, and then the GFC came out of nowhere, and the market dropped near 60% in a day. And, essentially, a lot of people saw their super balance fall very, very heavily. Being in that balanced environment, which is where we wanted to move you into, reduces your risk level or reduces your exposure into those growth assets from 80% to 60%. So you're dropping down about 20 in the high risk category and then increasing the increasing the defensive low risk investments by 20% as well. Essentially, your low risk investments are seen as cash, bonds, fixed interest. They're cash producing. Because when you're in those retirement years, we wanna have investments that are producing cash. So paying cash that goes into your cash account in your super fund. So when you're drawing down income, that cash will help to cover the income so you don't have to sell as many investments. It's yeah. Does that help? Does that explain a little bit? Does that make sense? Please let me know. Yeah. That's okay. Do you sort of still feel like reducing the risk level would be important to you, maybe altering the investments? Like, I know it does mean the returns are gonna be lower as well or expected to be lower. There's no guarantees you can get just as good returns in a lower risk portfolio. But the biggest thing I would wanna sort of, you know, try to avoid where possible is having you a year out from trying to in trying to access your money. Say, you'd be 64 or 65 and saying, hey. I wanna retire next year and to take an income, and then we see a 20 or 30% drop in the market and your super balance drops very heavily. Would that kind of make you feel really concerned? How would you feel in that instance? Yeah. So reducing the risk level now, and we like to do it a little bit out from when you run or retire. So we do things in increments. We would normally start to do it in more in more slower increments, like 10% increments, but we're doing it a bit more drastically because you're only sort of four years out from retirement at the worst case. So with what you sort of mentioned you wanted to when you wanted to retire and start working, so being able to drop from that gross to balance is probably a little bit more drastic than what we would normally expect. If you wanted to, I could always look at going halfway and showing you what the growth portfolio you know, if we moved you from that growth portfolio now into more of a balanced growth environment. And that's only a 10% drop. That's going from 80% in those growth investments to only 70%. And we can look at this incrementally moving it down each year if you would like to. Yeah. Yeah. Absolutely. Not a problem. So more of that balanced growth environment for the new advice piece? Sure can. Reduce risk. Yes. That's okay. So with yeah. Absolutely. So when we have a look at the the projected outcome, we looked at age 65 and 67, and we were looking at because your balance yes. So in your current portfolio in the growth environment, in the next two years, the projected outcome was to be a 175. With reducing your risk yeah. So with reducing risk, are you looking at the document on page 21 there? Yeah. Beautiful. If you have a look, so the current column of that projection table is basically if you were to stay in your current portfolio with the current balance, and it was to obtain that 11.24% over the next two to four years below that, that's the projected outcome of where you could end up. With the recommended, we were moving into a balanced portfolio, so reducing your risk level. The balanced portfolio had averaged about 9.73%. So it sort of meant that in the next two years, if the portfolio was able to achieve that return, you could end up with a 164,000 or over the next four years, a 187,000 there as well. Yep. Mhmm. If you were to leave it the same, yeah, if you were to leave it the same, that's where you could end up. That's in the higher risk portfolio, obviously, hoping to get the greater returns. There's no guarantees that you will get 11%. So a projection table is just projected on where you could be in the next two to four years if you got the same market conditions, if we could get the same return. The biggest thing with projection tables is that when we look at investments and returns, we have to use past data. But past data doesn't mean that you're going to get the same return over the next couple of years. It just sort of shows us what investments have or how they have performed, what investments have done well over the past, and when we look the volatility. So when we look at the last five years, what kind of market ups and downs have we seen? Because we have seen a lot of ups and downs over the past couple of years. Yeah. And so if a portfolio can go through the last five years and still average 11% return, then moving forward, depending on what kind of ups and downs we see, that portfolio can still obtain that same return. Not guaranteed to, but could. So that's how we utilize past data to look at returns, hoping to make sure it reflects the future. We're hoping that it reflects the future, but it's not always guaranteed. So we like to sort of say projection tables are just where you're tracking based on the information we have from the past. If the portfolio was able to get the same returns as what it has, this is where you could end up. If you're in the document, if you go to page 34 for me, this is a secondary projection table. Yeah. It is. It's okay. We can always do it slower if you wanted to. I could always look at just doing the investment switch first, and then we come back and look at the TTR down the track if you would like to. Yep. Yep. The other side you're right. Well, that's that's reducing your risk level and changing the investments. Yeah. Yeah. So we're reducing your risk to 10%. So we're going from the growth environment that you're in now, which is 80% in those high risk investments, to the balanced growth environment. So we're stepping down one step and having 70% there. But that's what it's called. It's called an investment switch because we have to change the investments within your portfolio so that they are in that level. Yeah. Beautiful. Yeah. So this is a secondary projection table, and this was in there under that transition retirement strategy. So remember we talked about going through the investment changes, reducing your risk level, moving you into that balanced portfolio, and then we went through that difference in the transition retirement strategy where you're putting more money into your super funds and drawing a little bit out to replenish your income. This table shows you if you were to follow that strategy and still get that 9.73% from, say, the five last five well, that balanced portfolio because we've been able to perform that 9.73 over the past five years averaged. The recommended underneath that shows that in the next two to four years, you could end up with a 170,000 or a 197,000. So that TTR strategy by putting more money into super whilst you are drawing a little bit out to replenish your income, it means that you've got more money in that super system. So it closes the gap a little bit that was created by reducing the risk level. Yeah. That's correct. Yeah. So if you go up for me sorry. I'll just take you back to yeah. No. That's okay. If you go back up for me to page number 27, I'll show you how this was to look, and I can go back and always update the figures. That's okay. But yes. So based on your income of 65,115, Currently, you've got no salary sacrifice going into super. You've got money going elsewhere, but nothing going into super. So it's just your employer contributions. Under your current scenario, your salary is 65,115 with no current salary sacrifice in the super. With five. Then you pay income tax. So within the tax bracket, say, 30% tax bracket, you're also paying income tax. The estimated income tax on income tax. The estimated income tax on your income is 11,601 for the year. That then means your net income, so your take home pay after income tax is 50 $3,006.04. The way a TTR strategy works is that you start with your proposed on the proposed side there, $65,001.01 5, then we increase your salary sacrifice. So for the year, it's 20,200, and that pay per week is $388.46. That then reduces your your gross pay because salary sacrifice, that money goes into super from your pre tax income. That then reduces your taxable income, this is gross, to 44,915. Then your employer pays income tax on that. They only pay income tax at 4,843. That reduces your net income down to $40,072. And because your take home pay should be $53,005.01 4, we then just draw a little bit out of super. So we draw $13,004.04 1 out to bring your take home pay back up to about the same. So that with pension withdrawal is how much comes out of the super system to be able to replenish your income. Yes. Yep. That's okay. No. It's absolutely not. So this would sort of work the way it is now. And every year, we'd reevaluate your income and roll that money back into super into accumulation. So the super system has different super accounts. So you think of your super as it is now. You're in the accumulation phase because you're accumulating wealth for retirement. The sorry. Transition retirement pension account is one type of pension account. It is a transition pension account and is set up so that you can build income or transition into that retirement phase. Some people might use it for as an example, my mom uses it because she's dropped her hours, so she uses it to transition into the pension phase and start to draw a bit of income out to keep her income the same. So yeah. Yep. So she can drop hours. And she went from full time to part time work, but kept her income the same by pulling money out of the super system. Yep. Yep. And we can still do that. Yeah. We can still definitely do that. So what what a lot of people do at the moment is when they're still working full time, they utilize this sort of strategy as a way to put more into super, but you get the advantage of it being a bit more tax advantaged for you. So you're putting more money into the super system to boost your retirement. But because you still have a lot of bills and expenditure, we use that transition to retirement pension account to bring some money out to keep your take home pay the same. Whilst you're still doing the full amount of full time hours, you know, you you no change to work. When you get to 65, if you then decide you want to replenish your income but drop hours, once you hit 65, you don't have to have the condition of release to stop working. At 65, regardless of whether you're working or not, you can have access to all of your money. So at, say, 60 four six all of your super, completely tax free. 60 5 is a condition of release regardless of whether you're working or not. Before 65, you have to be over the age of 60 or preservation age and have the intention to stop working. Yes. Absolutely. Absolutely. But, say, 65, if you decide you wanna drop from five days to say four days of work. We just work out what your income is. We can roll everything back into the accumulation phase. We can reopen a separate pension account again so you have we basically do it's called a refresh. So you roll your pension back into accumulation, put it all back together again, and then roll some more money back into that pension. You still keep your accumulation phase open here because you're still working. You want somewhere for your contributions to go, But then we can access the additional funds to say if you're earning $600 a week, and that one day means that you need to draw a $100 a week out of your pension account to keep your income the same, we can do that. We can set that up. So a $100 every week is drawn out of your pension account and put into your bank account, so you're you're replenishing your income. That means you have the same amount to live on every week to pay your bills. It's just coming from two two sources of income. One from your employer, the other one from a super system. Yeah. Does that make sense? It's a little bit there's a lot to it. It's okay. Yeah. Yeah. Absolutely. Would you like me to go back and refresh the strategy to maybe reflect any changes and update that for you so we can go through it again? Or would you like to just take it a bit slower and maybe just start with, you know, reducing your risk and switching the investments? How would you like to move forward? Because we can go as fast or as slow as you would like, Sharon. Yep. Yep. So we'll start by reducing your risk level in the portfolio, making some changes to the investments there. Do you wanna do that first, and then maybe in a couple of months, we come back and revisit that TTR strategy and sort of go through that again, or would you like me to do it as one document the same as I did last time? Yeah. What would you like? Yes. Yeah. So this advice document at the very top is about the reducing of the risk, and it's about changing your investment strategy. So that's where the different strategies come into play. So if I can if it's okay, if you can scroll up for me again just so I can make sure that you're fully getting it, to page number eight. Yeah. On the bottom of that page, it has a a table, and it says our advice to you. That's okay. Yeah. So you'll see the table there. Right? The different strategies are the different areas. So the first strategy where it says, Sharon, retain your Netwealth Superfund and change your underlying investments. That strategy there, when you go down and read the strategy through, it's about retaining your Netwealth Superfund, changing your underlying investment. So we're reducing your risk from that growth portfolio to the balanced portfolio. And because we to do that, we actually have to switch your investments. We have to sell some, buy some other ones. We also did find that in your portfolio, there was some underperforming investments. So we want kinda wanted to switch those out and change the portfolio for you. If you go down now for me to page number 18, I'm sorry to kind of move you up and down a little bit. Just wanna make sure I can do it. 18. Yeah. Just so you can see what that looks like. Sorry to move you around a little bit. Just trying to sort of maneuver it so that it makes it easier on you. Yeah. That's good. Yeah. That's okay. That's that's all good, honestly. It's all okay. Beautiful. So the heading on this one is the investment. So in order to move you and change your risk level in your portfolio, we actually have to buy and sell investments so that you're when we complete the investment switch, you're in a lower risk portfolio, but you hold the weighting that you need to have. So in order to move you from that growth to that balanced portfolio, we needed to buy more physical gold to sort of break this down. The first heading is Global X physical gold. The second column is your current weighting. So how much of that investment you have in your super fund right now? At the moment, you have 9.21% of that investment in your portfolio. We wanna hold in the balanced portfolio, we wanna hold 10% of that investment. That's the second last column, the target weight. So in order to get you to 10%, we would need to buy, and you'll see the green column. We need to buy 1 $1,317.61 of physical gold to get you to 10%. So you hold 14,270 in your portfolio based on the the balance we had in here. Okay? Does that make sense? Yep. With the a 200, that investment is tracking the top two hundred hundred to make sure you only have 10% weighting of that investment. And that's because the a 200, while it's tracking the top 200 companies on the ASX, is a growth investment. That is one of the ones that goes up and down. That's like holding Australian companies in shares. And that investment goes up and down quite drastically and can make us quite scared. So it isn't a it's a growth investment. So part of changing your risk profile is selling some of this growth investment to change your weighting to make sure you have less of that in your portfolio. Does that make sense? Yep. Beautiful. The Vanguard fixed interest, we wanted to remove that completely. It is a good investment, but we wanted to just remove it out of there completely. So we were selling all of that one down. The cybersecurity, again, is a growth investment. We wanted to keep that 5% of that was a a good amount in your new portfolio. So you had about zero 5.02%. So we only had to sell off about $75 to make sure you had 5% in there. And Yeah. The iShares Europe investment, this is giving you access or exposure to all the European countries and all the ASX of the exchanges within those companies. So their version of the ASX, essentially, the share market, you currently had 5.06%. We just had to buy $18 to increase your weight to 5% in a newer portfolio. So it was just about changing buying and selling investments so that your newer portfolio was weighted correctly. You had basically, when we look at a weighting target, we just wanna make sure you have the right percentage of that investment. And when we buy and sell, we have to work out what percentage you need to hold, but then we actually tell Hub twenty four or Netwealth how much as a dollar figure needs to be bought or sold to keep you waiting correctly. Does that make sense? Yeah. It's a lot. Do you have questions? You're allowed to let me know if you have more questions. Yep. That's okay. But, realistically, what I because we've sort of gone through things and you kinda don't wanna reduce your risk as much into that balanced environment, do you want me to go back and just maybe look at the balanced growth so we're not stepping down so drastically, just stepping down those risk steps a little bit at a time, 10% at a time? 10 percent? Absolutely. No. That's okay. And, look, if you come back to me in a month's time ago, hey, Dana. I don't like this. I wanna drop down again. I'll go back and do another document, and you'll step down again. It's honestly you don't have to stay there. You don't have to feel like you can never increase your risk if you want to. I'd be wholly against you trying to increase your risk at any point because you are so close to, you know, lowering your work hours. And, realistically, with the ups and downs we've seen this year I mean, you've probably seen on the news Trump's been tweeting and everything with the American, the Iran war. That did make Martha go up and down a little bit. So, you know, we wanna try and yeah. So we do wanna sorta try to, you know, limit the ups and downs. And even with reducing your risk level, you still have some of those growth assets. You still have shares. So you're never not gonna see the ups and downs. But the idea of reducing your risk level is that you're protecting your capital, and we're reducing the ups and downs that you would feel. So if you had, say, 200,000 in your super funds and you're in that balanced or balanced growth environment, the ups and downs are less likely to be drastic than someone who's taking on more of a high growth or an aggressive risk profile, and they're a 100% invested in those shares, they're gonna feel that up and down way more drastically than you would in that balance to balance growth portfolio. Does that make sense? Yeah. Yeah. That's okay. How did you how I will need to go back and update the advice document to reflect. Are you still comfortable with me just going back and updating the portfolio to be more of a balanced growth portfolio so we just step down in smaller increments. Yep. Beautiful. Would you like me to do that first and then we come back and look at that transition time strategy, or do you want me to Yep. Yep. Beautiful. Well, what we'll do yeah. Absolutely. Perfect. So if I just double check your file to see when your annual review is due, because I could work it so it coincides that way. So any review is due around about July. Perfect. So what I'll do is I'll go back now, and I will just read through the investment strategy, moving you into more of a balanced growth environment. We'll come back and do that advice document, and then we can work out when we come back and do that treat TTR strategy, whether we look at it this year or whether we maybe hold it back until January, and we start it next year for you. Does that sound comfortable? Give you some time to take on board what's going on and do things slowly. Yep. Beautiful. Excellent. Easy. So what I'll do, if you're okay with it, can I book you in in maybe, I reckon, a week's time just to update this investment portfolio for you? Are you available anytime next week? Is there a day that generally suits you better? Yeah. Absolutely. So next Thursday morning, I am available for majority of the day. Would you prefer maybe nine, 10:00 in the morning? What's suitable for yourself, Sharon? 10:00? Yeah. Absolutely. So I'll put it in there for 10AM, and we will present the updated statement of advice, and we'll do an investment switch. Yep. Oh, well, I yes. Normally, we do. I send it to you via OdoSign so you can open it up and look at it with me, and we'll go through it slower. I can also post it to you. It just may not be there in time. Is that gonna be okay? Yeah. Just pop, yeah, just pop it aside. Just you can throw it out if you don't want it anymore. It's completely up to you. I would Yeah. Absolutely. Yeah. Perfect. Not a problem at all. Excellent. Well, I've booked that one in for you for next Thursday morning, which is the August 20 at 10AM. I will have the advice document in the Odoo sign. I'll send it to you. You can open it. We can go through it together. I've scheduled that plenty of extra time so we can go through. You can ask me questions. We can talk about what's happening on each of the pages. And then if you like, we can also post you a copy. So I'll get my team to send one out to you in the mail. That way, it comes in the mail, and you've got a hard copy to read. And then you can we can come back and answer any additional questions you have. Does that sound okay? Yeah? Yes. Actually, we will do that for you. So I'll get my team to go into the Odoo sign, and they will void that copy. That way, it disappears out for you. Okay? Yep. It'll just, yeah, it'll just expire. The link will be no longer valid. So you can delete it on your end, and we'll void it on our end for you. Okay? Yeah. The the pension account, it shouldn't do. So when we work it out, we look at your payslip and work out what your take home pay is, what you already have coming out of your account, and work it around that. So when we get new payslips, we'll look at it. We'll work out what you've got what your pay is, what your take home pay is, how it looks, and try to work it around that for you so it doesn't affect you. Yeah. It's okay. Yeah. Yeah. Wow. Wow. See, that's the other thing we'll look at is we'll look at with your pay whether it's even gonna help you or whether it's even gonna work out good for you to do. Because if you're salary sacrificing or if you're salary packaging that much money already, then it may not work out that you can salary sacrifice. It may not work out beneficial for you. So we do all that work and all that math for you to work out So we do all that work and all that math for you to work out whether it works, how it's gonna work, and then we'll come back and let you know yes or no. Hey. It's not gonna work. We're not gonna do it, or, yes, it will work, and this is how it'll work for you and show you the numbers. And, admittedly, everything can change in a few months, so we'll start by just reducing your risk and changing your investment now. We'll go through that slowly, and then we can come back in a few months' time, look at how things are tracking for you, and look at what we need to do. And as part of this, I mean, as you'll see in that document there, I do do a bit of a a Money Smart calculation. It's essentially a a retirement projected income calculation based on what we're projecting you should have and how much income you should be able to draw to give you longevity or what your income looks like. I'll redo that calculation, and I'll show you that we'll go through that together. Okay? It's just sort of projecting forward based on the advice what we expect in retirement, how long income should be expected to last, or how long your super should be expected to last. I'll have you look at age pension as well well well whether you're eligible for age pension based on current assets and liabilities and things like that, and then we can go back and update everything. Yeah. Yeah. No. That's okay. Well, let's also while we're here, because it's been a while since we've gone through and updated your circumstances, let's just go through and update all your assets, liabilities, and goals and things just so we can kind of update the advice reflect because it has been a while since we updated these. Just sort of tracking now, we were talking about being able to access super and do, you know, drop days at about age 65, but you're still wanting to fully retire around age 67. Is that still correct, or what's your actual retirement age now? Yep. That's okay. Did did you want me to work on 67 as a goal age for now knowing we can always change that down the track? Yep. Yep. Beautiful. Excellent. I've got down here that you were originally hoping to draw about $1,100 per week from both super and the age pension to survive from age 67. Does that feel still appropriate? Yep. That's okay. It's all sort of based on today's dollars because we don't know how much it's gonna be worth in the future. But, yeah, but what I sort of look at doing now is I base the research around your goals. So looking forward to 65, 57, what does this look like for you at that age? When you get to that age, we'll reconfirm what your expenditure is. And when you go into pension phase, we'll work out what you sorry, what you actually need to live on, how you draw that down, and then provide advice through pension phase on that aspect. Okay? Excellent. I've also got in here now you did retain a bit of life cover. Sorry. Just retained just having a quick look for you at what I've got in here. Sorry. I've got the hiccups. I do apologize. So with your life cover, you've got your MLC life cover, which had a sum insured of about 118,850. And you were happy to retain that for a little bit longer. Do you still want to retain that for longer? Just keep it. Don't you know, keep it for longer. Keep paying for it out of your super. Yep. That's absolutely fine. It's not a problem at all. I'll keep asking that question every year so you can let me know how you feel about it. When and if you do so, do you no longer want it anymore? Some people some people do. Most of the time, realistically, what we wanna keep insurances for is for if we pass away or something happens to us whilst we have debts, that the insurance provides that level of cover. So most people will have life cover so that if they pass away, their mortgage can be fully paid off, their cars credit cards and things can be fully paid off, and then the benefit gets paid to their beneficiaries, whoever that might be. Generally speaking, when we get to sort of age 60 and beyond, if we have enough super and it covers our debts, we tend to not need to have life insurance any longer because if we pass away, our super is paid out. In saying that, it is a personal decision. So, realistically, you're only paying about 660. The amount coming out of super dispute is $561.08. So you only paid about 500 dollars correct to have that a $118,000 worth of cover. And it means that if you were to pass away based on your super balance, so we'll say $1.45 $2.03 9 plus 118,050, between your life cover and your super balance, your beneficiary could receive 264,089. So that's not a bad benefit to pay. Yeah. Oh, yes. Will is a good thing. Tax. Yep. Yep. So I'm just going back to that section. Fantastic. So with your goal for your beneficiaries sorry. I'm just looking at what we had noted here. Estate planning. Your goal was that in the event you were passing away, you wanted to have your super and life insurance directed to your will so it could be distributed to your adult children. Yes. So the biggest thing to sort of think about is with adult children, there's a lot of legislation around how death benefits are to be paid. If you're super and your life insurance is paid to a spouse or a child 18 or a dependent child, someone who relies on you financially, they can receive the funds completely tax free. If it's being paid to an adult child who is not a financial dependent on yourself, the super benefit and the life insurance process, if they're paid directly, they pay 17% tax on that money. So it means that once yeah. That's right. Yeah. So in the advice document, we recommended that on your life insurance and your super with the beneficiary, we tick the legal personal representative. And that means that in the event that something happened to you, if you were to pass away, the the super and the life insurance money would go to your estate. You just need to have your will done up so it receives that money and then have it distributed to your adult children however you see fit. The kids do still pay tax on the money, but it reduces the amount of tax that they're expected to pay. So it means that they receive more of the benefit. Does that make sense? Yeah. Yeah. Yeah. That's fantastic. So I'll update that for you. So being updated now. Excellent. And are you having a power of attorney set up as part of the will? Have got one. Fantastic. Is it enduring power of attorney? Oh, fantastic. You've done it all. Yep. That is really good. That's fantastic. No. That works out really, really well. Excellent. I had down here that you were paying rent of about $285 per week. Has your rent increased recently, or is it the same? Okay. Beautiful. 300 per week. Thank you for updating that. I had your car down as an asset. I had it down as a Toyota Corolla, and I worked out the asset via Redbooks would be about 13,800 based on the year and the model. Do you I personally think that should still be fairly okay. These sorts of vehicles do hold their value pretty well. Are you happy to retain that same value, or did you want me to maybe lower it a little bit? No. That's okay. I also have that you had some savings here about 40,000, which was due to be used for a trip to Canada. Do you still have those savings or some savings? Yeah. 30 4,000. Okay. Perfect. Yep. Beautiful. And what's the interest rate on that new account when you have it? Sorry. That's okay. Do you know what bank it is? Or let me just have a quick look and see if I can pull it up for you. Bank of And what sort of account is it? Smart saver interest rate. Perfect. I think it's Queensland. I've got Smart saver account up to five point four zero percent. Cool. Is the interest rate around 5.40% per annum? Does that ring a bell? Yes. Yeah. Okay. So is that based on the 50,000? Is that based on the 30,000 50,000? Sorry? Yep. That's okay. Because I can just sort of work out if it's the right interest rate. So 5.40. 100 by 50 thousand. 40 thousand. Okay. Divide that by twelve months. Uh-huh. Did you say the interest is about a $180 a month? Okay. So it might worth to add on a little bit less. So because 5 point four zero you're at sorry. So 5.40% per annum, so per year on 40,000, over twelve months gives you 2,160. Divide that by twelve months means you get a $180 per month interest on 40,000. Yep. That makes sense. And you have about 30 four. Yes. Yeah. Oh, yeah. Definitely. So if I work it on the 34,000 for you, $153 even. So, yeah, it's still a very good interest rate. Yeah. Beautiful. Absolutely. So pop that in there. Fantastic. I've also yeah. You could do. You could do. I would just wanna make sure that you're not planning to use that yet. So because, realistically, you are still working. If you have, you know, holidays or large bills or something coming up where you might wanna use those funds. But if you wanted to, we can hold off for now. And then just down the track, we can talk more about what your goals are with that money, whether you do wanna look at adding your industry. But does that sound okay? Yeah. Don't wanna say yes. Let's do it right now and have you go, oh my god. I put that money into super, and, oh my god. I need it back a little bit because we kinda can't draw it back out unless we meet that condition of release or open up the TTR account. It's a little bit more of a process to do that. So if we just do it in smaller increments, we do the investments now, then we can come back and talk about your savings and the TTR side of things, and we can kind of move forward in slower, steady paces to make it a bit easier on yourself. Does that work out okay? Yeah. Beautiful. I don't wanna do too much at once and kind of make it overwhelming for you. Starting small is there's nothing wrong with that. Okay? Excellent. And then I've also got you have an investment account, a Premier Investment account, I believe. It was from. Yeah. Okay. Beautiful. I'll update that for you. Lovely. Lovely. And there are just so you are aware, there are other ways that you can invest for grandkids. We do have access to, like, investment accounts, investment bonds, and things where you can have the money invested for for them for the future where when that gets handed to them, they get the money tax free. So there are, yeah, so there are other ways that we can invest the funds for your grandkids down the track if you're wanting to add more money to it or if you're wanting to invest for them. So there's other other things that we can do. Yes. Yeah. Yeah. Absolutely. If you had, say, that 7,000 sitting there and how grandkids do you have at the moment? Wow. Wow. That's incredible. That's exciting. Oh, absolutely. Yeah. Yeah. Oh, that's so beautiful. Yeah. Oh, that's lovely. I'm very excited. Congratulations. It's very exciting. But, yeah, look, down the track, if you decided to and wanted to you would it would be something that we would need to put more money into, so smaller amounts over time for, you know, compounding. But you can invest in different investment accounts and bonds for for kids to be passed down to grandchildren later in life, you know, ten, fifteen, twenty years down the track. And it does give them an advantage to have that money invested and growing for them to receive later on down the track as an inheritance or, you know, at a certain age that you deem fit for them to receive the funds? Pardon me. Yeah. Absolutely. That's not a problem. But look down the track. If there's other goals that you have that you want us to look at as advisers, we can definitely help you in that area as well. Okay? Beautiful. The only other thing to sort of look at is your income. Have you done your tax return for this last financial year at all? That's okay. That's okay. I have your income noted. We obviously went on your past income from your last pay slips last time, and income noted there was about 65,115. Do you think your income may have gone up since then? Because you said you're gonna pay rise? Yep. No. That's okay. That's not a problem at all. I'll just keep it at that for the moment, and we can reassess that in greater detail when we do that TTR strategy down the track for you. That's okay. And savings wise, are you managing out of your income to put much in the way of savings aside, or is all of your incomes going to all of your income kinda going towards your expenses? How are you sort of finding things at the moment? Yep. Okay. So there's sort of no no set figure that you're finding that you're able to put away? Is this whatever you've got left over at the end of the week depending on the bills? Yep. Yep. That's okay. So I'll just write here all of income goes to expenses and anything left over depending on the week that stays in the account for use later on. Does that sound okay? Yep. Beautiful. Beautiful. Excellent. Employer contributions, I've got that here based on income for you, and I can double check that with your Netwealth Superfund. That's absolutely okay. The salary sacrifice. Now your salary salary packaging sorry, onto the card, and you said your salary packaging over overall about a thousand dollars a week. Is that right? Yep. Perfect. What's it called? I can have a look for you. Regional benefits. Let's have a look and see what we can find. Did they tell you that it was due to being in a regional area? And what's the name of the the salary packaging company that you do it through? Easy Way. Easy salary packaging. Sorry. I'm just having a quick look at the site to see what the options are. It doesn't really say anything specific about it. It's got to do with the a yeah. It's got to do with the a c oh, absolutely. Yeah. It's got to do with the ATO definition of a remote area. So a regional or remote area salary sacrifice arrangement lets you pay for housing utility costs using pretax income. You must live and work in an ATO defined remote area, and your employer must offer the salary packaging. 50 percent of eligible costs are exempt for the discounts from caps lowering your taxable income. So it's got to do with the ATO definitions of where a regional area is located, but you obviously come into that kind of area. So when yeah. Correct. In the category. Yeah. So what I would probably look to do with your TTR strategy is look at what your your total income is, and then we break down what you've got coming out of that. So your salary packaging arrangements are deducted from that. So for your rent and then the salary packaging arrangement onto the card is then deducted from that, and that tells us how much your take your taxable income is or how much income you pay tax on. And if you're looking unless you're looking at that page again with that TCR strategy there, if you're looking at page number 30. Sorry. If I go back to the salary sacrifice page, that's page number 27. Yes. So if you're looking at that page with your two positions, you've got your current. So what we wanna do with looking at your salary packaging is look at your we'll work at your total taxable income, which we had noted as $65,001.01 5. Then we subtract from that your salary packaging. And then also from that again, subtract what your salary packaging onto your card, so your rent plus your card. And then anything after that is what your employer pays tax on. So that becomes your take home pay from that amount is, and then we work out how much you can put in the super as a salary sacrifice arrangement to increase your contributions and then how much we draw out to keep your take home pay what it is currently. Does that make sense? So your take home pay, we would be working out is not your total with your salary packaging onto that card. It's the essentially, the total that you get paid from your employer after the taxes the income tax comes out. Does that make sense there for you? Yeah. It is. Yeah. Yeah. So that's how we would work out your salary sacrifice and your in and the pension drawdown, that transition pension drawdown around your salary packaging arrangement, essentially. Does that make sense? Yeah. There's a lot to it, and I'm very sorry. I hope this has clarified things. Is there more questions that have come out of it? You're allowed to ask any other questions you have. Is there anything else that's kinda come up that's, you know, might be concerned or you just need a It'll come down to the rate it It'll come down to the rate it'll come down to the research, but let's start small. Let's do the reduction of risk, and we'll do the investment switching first. And then we'll come back later and do that transition to retirement strategy and look at what we can do there and how that works based on your income at the time. Does that sound okay? Yep. Yeah. Yeah. Yeah. Yeah. Absolutely. So just to clarify, at 65 dropping a day, is that saying that we've started that transition account, or is that just in general if you, you know, wanted to drop a day? Is this Yeah. Yeah. Yep. Oh, absolutely. So what we'll do to start with is, again, we'll look at your payslip. I like to get a payslip because it does kinda give me clarification on how much you're earning. We'll look at what your your hourly rate is. So we'll work out how many hours that is gonna be for you. We'll work at your hourly rate versus the amount of hours you're going to work. If you're still salary packaging, we'll try to deduct that out, and we still wanna look at your taxable income. So we wanna know what your your taxable income is that your your employer is paying tax on. We then work out so we just wanna basically work out what that is with your full your current hours. If it's full time hours, thirty eight hours a week, I think you're doing sixty four hours per fortnight. Is that still fairly accurate? Yeah. So we'd essentially look at your hourly rate versus sixty four hours per fortnight. And then if you were to drop one day per week and say that went to sixty, say, sixty, fifty eight hours per fortnight, give or take, we would then do the same math and work out your hourly rate versus, say, fifty eight hours per fortnight and work out the difference. The difference between those two is what you need to draw down to keep your take home pay the same. So we're basically looking at what you earn prior to the change, what you earn after the change, and what the difference is, and keeping your take home pay level the exact same. And, again, we can do the pension account so that the money comes out of your super fund. The day that your income is supposed to be paid from your employer or a day around it, if you get paid fortnightly and you just wanted to supplement it, I've got some clients who receive their income payments on the week where they don't receive anything from their employer. That way, they have money coming in every week. It's a different amount every week, but there's money coming in every week to sustain them a little bit. Yeah. There's lots of different things that we can do, lots of different options that we can help you with. It's just about breaking it down so that you understand what we're doing, how we're doing it, and just slowing the process down a little bit for you so you can sort of feel a bit more comfortable each step of the way. Yeah. Oh, good. I'm really glad that's helping you a lot. You're always welcome to ask questions, and I definitely, Sharon, do encourage asking questions. I think it's really great because it sort of helps to clarify and understand things. I mean, it's sort of I try to break it down as much as possible, but it's always sort of hard to understand how the other person on the other end of things is taking it. So please feel free to ask questions as often as you need. I can clarify things as as regularly as you need me to just to make sure that you're understanding what we're doing and how we're doing it, why we're doing it, and how it affects you. Because at the end of the day, this is your money, your retirement. It's part of your income. We wanna make sure we do the right thing by you and look after it. Okay. All good. They not no. Not no not in the same way we do. So, essentially, if with an industry fund that they're just a vehicle, the biggest thing to think about a super fund is it's a vehicle. So think of it like your car. You put your you get into your car, but without fuel, you don't go anywhere. Your investments are your fuel. You're putting the invest the super fund is just a vehicle. So whether it's hub twenty four, Hestar, whether it's host class or Netwealth, for example, they're just a vehicle. What really makes your money worth is the underlying investments. With the industry funds, you do have very limited investments. They tend to just find a an average portfolio that suits the the average time horizon that you have, and they'll throw your money into that. And what happens happens. They have, like, a certain stage where they might move you into something more conservative, or if you're younger, they might have you a bit more risky. Whereas with advice, we have a lot more scrutiny around what we do, so we have to do risk profiling. Correct. Netwealth has a lot more investment options to choose from, so we can make alterations to your portfolio. We have a lot more it's more of a sophisticated platform, investor platform, and you wanna have an adviser who looks after these sorts of things because we do need to change your risk profile more regularly. I mean, with an industry fund with where you are currently, like I'm telling you, we should be reducing your risk level because you are closer to retirement. In an industry fund, you would just sit there until they tell you that, you know, it might be time to change things or move into more cash or something because you're a year out. Whereas we're looking at this in advance and trying to sort of help you to reduce gradually, make changes so that things are working harder for you. We're reviewing your portfolio, your performance. We're helping you with the TTR strategy. If you go to them, they'll say, well, you can only do 10%, and you'll have to do all the math to work out how much you move, where you're invested, what you're doing. So with an industry fund, it's a lot more on you. Correct. You pay us to do what's part of our ongoing service fee. So you pay us a service fee to look after things, to provide advice, to help guide you along the way, and to be there and support you and to provide that financial support and that financial advice. So that's what we do. The idea of having an adviser is that they you've given them some goals, and they're here helping you track towards those goals. So yeah. Yeah. Good. Yep. Yeah. Absolutely. Yeah. So we'll go back. We'll just do up the the portfolio switch again, just reducing risk. We won't go as gradual. We'll move into more of a balanced growth environment for you, and then we'll look at what that looks like. Then we'll come back in a few months' time and reassess things moving forward a bit closer. I probably actually just want to quickly, if I could we did your risk profile questionnaire a few months ago, but I just wanted to re quickly visit that to just kind of gauge. I had answered most of these previously just with, like, your time horizon and everything. But one of the things I just wanted to I have just three questions I'd like to kind of go through just to kinda clarify. The first question is if you saw your super fall by 20% in the next, say, one to two years, how do you think you might be feeling? Do you consider yourself comfortable? You're thinking it's an investment opportunity and wanna put more money into the market. Are you a bit cautious wanting to call us and see what we suggest you do, maybe hold and wait? Or are you a bit concerned and maybe wanting to sell the investment and put the money into something more secure? Out of those three options, where do you think you might fit, Sharon? Yep. Yep. Yep. Do you think you would be, you know, feeling cautious, maybe calling us and talking to us about the options, or do you think you'd be ringing us and go, hey. Sell that investment. I wanna get a cash. I'm a bit concerned and nervous. Yeah. Perfect. Excellent. And I'm just noting here, so 67 is when we're gonna work on for your time horizon. So it gives us a four year time horizon to access super. Beautiful. I'll tick the box there. I've noted here with regards to the average return you're like you're hoping to achieve, we wanted to get the best possible return you can from your super. Am I on the right track with that one? Happy to tick that box. Yep. Beautiful. And the other one here is thinking about your super in the past, have you ever seen your super fall in value? I know we do see market ups and downs, but have you ever seen your super fall in value in the past? But even before that, have you seen a falling value before that at all? Yeah. Yep. Okay. Yep. No. That's okay. Thinking that you're super now because we know markets will go up and down, and no matter what portfolio you're in, you will see those ups and downs. It's about the risk level that you're taking to make sure you're comfortable with the types of ups and downs that you do see and feel. If you saw your portfolio fall in the future due to what was happening in the markets globally, do you think you'd be feeling optimistic, cautious, concerned, or feeling very anxious about it? Yep. Yep. Absolutely. And the last one here is Absolutely. And the last one here is thinking about the risk level. If you thought about risk between numbers one and five, five being the highest risk level or your money in shares, one being the lowest, it's sitting all in cash. Where do you think you might see yourself fitting between one and five in a number? Do you see yourself as a two, three, four, three? Yep. Absolutely. Perfect. All good. So with that, you have scored as more of a moderate investor. So it does sort of see that balanced portfolio that we were sort of looking at before, but we can absolutely go balanced growth. It is one above. To give you a bit of an idea, as I kinda mentioned before, it sees about 70% of your super invested in growth assets. So think about Australian shares, international shares, some gold and silver, and some property. And then the other are generally 30% in defensive lower risk investments, like cash, bonds, and fixed interest. This balanced growth environment, you're tracking to try you wanna get an average return of six to 8% on a yearly basis and compounding that forward. And suit someone who has about sort of six years before they you know, five to six years before they're accessing their super, so around about five years. With your four year time horizon to age 65, knowing you still want to work a little bit longer, that's okay because 65, you said you just wanna drop days, but you still want to work. So you'll still be putting money into super. So this balanced growth environment with your four to five year time horizon is completely fine with a negative return. Now because we always talk about market ups and downs, and every portfolio has the likelihood of a negative return. This sort of balanced growth environment is the likelihood of a negative return is one in say every six years, which is very much lower risk. With the portfolio you're in now, the average likelihood of a negative return is one in every five years. So we're reducing the risk level. We're reducing the likelihood of a negative return a little bit as well and trying to create a bit more stability to your portfolio. Does that still feel right for you, that balanced growth environment there, Sharon? Yep. Beautiful. Do you have questions about what I've just gone through? No? That's okay. All good. I'm are you comfortable for me? I'll just go back. I'll update the advice. We'll talk again next Thursday morning and go through it together. Did you want me to get someone to also post you out a hard copy as well? It won't be there by next Thursday, but it will come a few days after. Did you still want someone to post a hard copy for you? Fantastic. Not a problem at all. You yeah. You can. So we'll I'll go through it with you online next week so you can see the document. We'll talk about it. You can ask any questions you have, and then a hard copy will come in the post for you to reread. And then if you're comfortable proceeding with that advice, I'll get you to sign it electronically. I can get someone to one of my team to give you a call maybe a week or two after we've gone through it, and they can help you with the signing of that if you would like. Does that sound okay? Yeah. Yeah. It's we use Odoo Sign, which is the same sort of thing. You just press the button that says sign to sign or sign here, and it takes you through. Yes. Shouldn't be a problem. But if you get stuck, you can let us know. We're more than happy to help you talk you through it. Okay. Excellent. All good. That's okay. That's not a problem at all. I'll go back and update the advice, and we'll talk again next Thursday. And in the meantime, if any questions come out, Sharon, just let me know. Okay? Absolutely. All good. Thank you. I'll let you go. You have a lovely evening. No worries, though. Thanks, Sharon. Thank you. See you later. 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hi, Sharon. It's Dana from Oceania Financial. How are you this afternoon? Yeah. I can hear you perfectly fine.\n\nCan you hear alright? Fantastic. All good, Sharon. I just had you booked in for a bit of a catch up in relation to the advice we provided a few months back. Is now still a good time there for you?\n\nFantastic. Before I jump into the call, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And then, also, just to do a really quick security check there with you, just to confirm your full name, your date of birth, and address I should have on file.\n\nYeah. Fantastic. Beautiful. Thank you so much for that, Sharon. So just as with the the cat test today, one of the things that was sort of made mention was that you seemed pretty happy with most of the advice there.\n\nThe main sort of aspect was that trans transition to retirement strategy you weren't weren't sure if you wanted to go ahead with. Does that sound about right? Yep. That's okay. So the way a transition retirement strategy works is that, essentially, at the moment, you've got your super account, and your super is sitting in what's called an accumulation phase.\n\nEssentially, to have this TTR strategy as it's called shortly, we look to increase your contributions in the super as much as we possibly cap can up to the concessional cap to say as an example, the concessional cap is 32,500 this financial year. So we look at what your income is and what your employer So we look at what your income is and what your employer contributions are going in and then increase those contributions up to the cap as much as we possibly can. Now because that money goes into super by way of salary sacrifice, it reduces how much you have take home pay. That's generally not preferable because it means that you end up with less money to pay all of your bills. So then we can open up a secondary account.\n\nAnd because you're over over 60, we're able to open up a a it's called a transition to retirement pension account. The rules of opening up this pension account are that you can only access a minimum at the moment of 4% of your balance transferred and a maximum of 10%. And so because we're putting more money into super by way of salary sacrifice, we're also drawing some out to replenish your income. And the money that comes out of that transition retirement pension is tax free because you're over the age of 60, And we don't have to take as much out as what we're putting in because the money going in is pretax. Essentially, it keeps your take home pay exactly the same.\n\nYou pay less tax because you're putting more money in the super from your pretax income, and your take home pay isn't effective because you're getting your income from your employer plus this money out of your super out of this pension account to supplement your income. Does that make a little bit more sense? Yes. That's correct. It goes into your bank account from this secondary pension account.\n\nYeah. No. You don't because you're over 60. Yeah. Very quickly.\n\nYeah. Correct. So this salary sacrifice happens with your employer. When we set up the transition time and pension account, we allocate when you want those pension payments to be made. So say if you get paid on a Wednesday once every fortnight, we can have that payment so it's drawn down on that same Wednesday so it hits your account the same day as your income or the next day.\n\nWe actually get a lot of control as to when the, those funds are expected to hit your bank account. Yes. So with your salary sacrifice, are you salary sacrificing in the super, or are you paying bills or having money moved into different areas? How how does your salary sacrifice work? Mhmm.\n\nMhmm. Right. So what you're yeah. Sorry. Yep.\n\nYep. That's okay. So what you're essentially doing is called salary packaging. So you're packaging your money or having your money moved from your pretax income onto this card so you can pay your bills, and that money is moved out pretax. And the same thing with your rent.\n\nYour rent is being paid pretax. Salary sacrifice by putting more money into super works basically the same way. It's like a 100 doll if you are doing, say, a $100 salary sacrifice into super, that $100 is taken out of your income before your income tax is paid, and it's put into super. So instead of if you're in a 30% tax bracket, 30% of a $100, if that $100 went into your pay and into your bank account, you would pay 30% tax on that money. By putting it into super, you're only paying 15% tax.\n\nWell, the super fund is only paying 15% tax. So that $100 is leaving your your wage or your employer is paying that into super before they work out your income tax. So you're actually not paying income tax on on your personal income tax on that $100. It's going into super and then having 15% tax taken out of it. Yes.\n\nYes. Yeah. So it is a different sort of salary sacrifice. It is money going out of your income and into super, and it helps to boost your super, helps to, you know, make sure you've got more money invested in super working towards your retirement aspect. Yeah.\n\nGenerally, look, preferably, you wanna yeah. Preferably, you'd kinda wanna do it around about tax time. But because it is hard to kinda get every TTR plan done in time and sort of start everything around that time, there's no there's no real, you know, best or worst start time. As soon as possible is generally the best way to go. Because this advice has been provided back in May, it is, unfortunately, fully expired now, so I'll have to go back and redo it for you.\n\nNo. Yeah. That's okay. Don't. That's honestly fine.\n\nNot a problem at all. If you can just maybe send me through your payslips again. Just send me, like, your last two payslips. I can go back through. Just double check the numbers because there could be now some discrepancy from what we presented last time.\n\nWe can go perfect. So we can go back and just double check the numbers against the TTR strategy for you. I can update the document and send it through. Alternatively, if you don't wanna do that, you can just go forward. I can just do, like, an investment switch because the other part of the plan was to alter your investments.\n\nWe were looking at reducing your risk level as well. So at the moment, having a look sorry. At the moment, you're in more of that growth environment. And because you are generally about sort of four to five years out from wanting to access your funds and starting to retire, we also talked about reducing your risk level in the market. So, you know, altering your investments, reducing risk in the market.\n\nAs one of the biggest things, when you are reducing risk, you are reducing the expected returns that come out of the portfolio. In saying that, some some lower risk portfolios have really great years, and you can get still get a ten, fifteen, or 20% return. But, yes, the idea is when you are reducing risk, you are reducing the expected returns that you are getting, and that is because you're protecting your capital. So in that growth portfolio you're in now, you see that 80% of your super invested in those growth assets. So think about things like Australian shares, international shares, listed property and commodities, so gold and silver.\n\nThose sorts of investments go up and down quite drastically. And when you have a down time, you feel that more drastically. That growth portfolio the growth environment normally suits someone who has at least six years before accessing their money. Because if you think back to the GFC in the, you know, early to mid two thousand, 2007, 2008, a lot of people were about to retire, and then the GFC came out of nowhere, and the market dropped near 60% in a day. And, essentially, a lot of people saw their super balance fall very, very heavily.\n\nBeing in that balanced environment, which is where we wanted to move you into, reduces your risk level or reduces your exposure into those growth assets from 80% to 60%. So you're dropping down about 20 in the high risk category and then increasing the increasing the defensive low risk investments by 20% as well. Essentially, your low risk investments are seen as cash, bonds, fixed interest. They're cash producing. Because when you're in those retirement years, we wanna have investments that are producing cash.\n\nSo paying cash that goes into your cash account in your super fund. So when you're drawing down income, that cash will help to cover the income so you don't have to sell as many investments. It's yeah. Does that help? Does that explain a little bit?\n\nDoes that make sense? Please let me know. Yeah. That's okay. Do you sort of still feel like reducing the risk level would be important to you, maybe altering the investments?\n\nLike, I know it does mean the returns are gonna be lower as well or expected to be lower. There's no guarantees you can get just as good returns in a lower risk portfolio. But the biggest thing I would wanna sort of, you know, try to avoid where possible is having you a year out from trying to in trying to access your money. Say, you'd be 64 or 65 and saying, hey. I wanna retire next year and to take an income, and then we see a 20 or 30% drop in the market and your super balance drops very heavily.\n\nWould that kind of make you feel really concerned? How would you feel in that instance? Yeah. So reducing the risk level now, and we like to do it a little bit out from when you run or retire. So we do things in increments.\n\nWe would normally start to do it in more in more slower increments, like 10% increments, but we're doing it a bit more drastically because you're only sort of four years out from retirement at the worst case. So with what you sort of mentioned you wanted to when you wanted to retire and start working, so being able to drop from that gross to balance is probably a little bit more drastic than what we would normally expect. If you wanted to, I could always look at going halfway and showing you what the growth portfolio you know, if we moved you from that growth portfolio now into more of a balanced growth environment. And that's only a 10% drop. That's going from 80% in those growth investments to only 70%.\n\nAnd we can look at this incrementally moving it down each year if you would like to. Yeah. Yeah. Absolutely. Not a problem.\n\nSo more of that balanced growth environment for the new advice piece? Sure can. Reduce risk. Yes. That's okay.\n\nSo with yeah. Absolutely. So when we have a look at the the projected outcome, we looked at age 65 and 67, and we were looking at because your balance yes. So in your current portfolio in the growth environment, in the next two years, the projected outcome was to be a 175. With reducing your risk yeah.\n\nSo with reducing risk, are you looking at the document on page 21 there? Yeah. Beautiful. If you have a look, so the current column of that projection table is basically if you were to stay in your current portfolio with the current balance, and it was to obtain that 11.24% over the next two to four years below that, that's the projected outcome of where you could end up. With the recommended, we were moving into a balanced portfolio, so reducing your risk level.\n\nThe balanced portfolio had averaged about 9.73%. So it sort of meant that in the next two years, if the portfolio was able to achieve that return, you could end up with a 164,000 or over the next four years, a 187,000 there as well. Yep. Mhmm. If you were to leave it the same, yeah, if you were to leave it the same, that's where you could end up.\n\nThat's in the higher risk portfolio, obviously, hoping to get the greater returns. There's no guarantees that you will get 11%. So a projection table is just projected on where you could be in the next two to four years if you got the same market conditions, if we could get the same return. The biggest thing with projection tables is that when we look at investments and returns, we have to use past data. But past data doesn't mean that you're going to get the same return over the next couple of years.\n\nIt just sort of shows us what investments have or how they have performed, what investments have done well over the past, and when we look the volatility. So when we look at the last five years, what kind of market ups and downs have we seen? Because we have seen a lot of ups and downs over the past couple of years. Yeah. And so if a portfolio can go through the last five years and still average 11% return, then moving forward, depending on what kind of ups and downs we see, that portfolio can still obtain that same return.\n\nNot guaranteed to, but could. So that's how we utilize past data to look at returns, hoping to make sure it reflects the future. We're hoping that it reflects the future, but it's not always guaranteed. So we like to sort of say projection tables are just where you're tracking based on the information we have from the past. If the portfolio was able to get the same returns as what it has, this is where you could end up.\n\nIf you're in the document, if you go to page 34 for me, this is a secondary projection table. Yeah. It is. It's okay. We can always do it slower if you wanted to.\n\nI could always look at just doing the investment switch first, and then we come back and look at the TTR down the track if you would like to. Yep. Yep. The other side you're right. Well, that's that's reducing your risk level and changing the investments.\n\nYeah. Yeah. So we're reducing your risk to 10%. So we're going from the growth environment that you're in now, which is 80% in those high risk investments, to the balanced growth environment. So we're stepping down one step and having 70% there.\n\nBut that's what it's called. It's called an investment switch because we have to change the investments within your portfolio so that they are in that level. Yeah. Beautiful. Yeah.\n\nSo this is a secondary projection table, and this was in there under that transition retirement strategy. So remember we talked about going through the investment changes, reducing your risk level, moving you into that balanced portfolio, and then we went through that difference in the transition retirement strategy where you're putting more money into your super funds and drawing a little bit out to replenish your income. This table shows you if you were to follow that strategy and still get that 9.73% from, say, the five last five well, that balanced portfolio because we've been able to perform that 9.73 over the past five years averaged. The recommended underneath that shows that in the next two to four years, you could end up with a 170,000 or a 197,000. So that TTR strategy by putting more money into super whilst you are drawing a little bit out to replenish your income, it means that you've got more money in that super system.\n\nSo it closes the gap a little bit that was created by reducing the risk level. Yeah. That's correct. Yeah. So if you go up for me sorry.\n\nI'll just take you back to yeah. No. That's okay. If you go back up for me to page number 27, I'll show you how this was to look, and I can go back and always update the figures. That's okay.\n\nBut yes. So based on your income of 65,115, Currently, you've got no salary sacrifice going into super. You've got money going elsewhere, but nothing going into super. So it's just your employer contributions. Under your current scenario, your salary is 65,115 with no current salary sacrifice in the super.\n\nWith five. Then you pay income tax. So within the tax bracket, say, 30% tax bracket, you're also paying income tax. The estimated income tax on income tax. The estimated income tax on your income is 11,601 for the year.\n\nThat then means your net income, so your take home pay after income tax is 50 $3,006.04. The way a TTR strategy works is that you start with your proposed on the proposed side there, $65,001.01 5, then we increase your salary sacrifice. So for the year, it's 20,200, and that pay per week is $388.46. That then reduces your your gross pay because salary sacrifice, that money goes into super from your pre tax income. That then reduces your taxable income, this is gross, to 44,915.\n\nThen your employer pays income tax on that. They only pay income tax at 4,843. That reduces your net income down to $40,072. And because your take home pay should be $53,005.01 4, we then just draw a little bit out of super. So we draw $13,004.04 1 out to bring your take home pay back up to about the same.\n\nSo that with pension withdrawal is how much comes out of the super system to be able to replenish your income. Yes. Yep. That's okay. No.\n\nIt's absolutely not. So this would sort of work the way it is now. And every year, we'd reevaluate your income and roll that money back into super into accumulation. So the super system has different super accounts. So you think of your super as it is now.\n\nYou're in the accumulation phase because you're accumulating wealth for retirement. The sorry. Transition retirement pension account is one type of pension account. It is a transition pension account and is set up so that you can build income or transition into that retirement phase. Some people might use it for as an example, my mom uses it because she's dropped her hours, so she uses it to transition into the pension phase and start to draw a bit of income out to keep her income the same.\n\nSo yeah. Yep. So she can drop hours. And she went from full time to part time work, but kept her income the same by pulling money out of the super system. Yep.\n\nYep. And we can still do that. Yeah. We can still definitely do that. So what what a lot of people do at the moment is when they're still working full time, they utilize this sort of strategy as a way to put more into super, but you get the advantage of it being a bit more tax advantaged for you.\n\nSo you're putting more money into the super system to boost your retirement. But because you still have a lot of bills and expenditure, we use that transition to retirement pension account to bring some money out to keep your take home pay the same. Whilst you're still doing the full amount of full time hours, you know, you you no change to work. When you get to 65, if you then decide you want to replenish your income but drop hours, once you hit 65, you don't have to have the condition of release to stop working. At 65, regardless of whether you're working or not, you can have access to all of your money.\n\nSo at, say, 60 four six all of your super, completely tax free. 60 5 is a condition of release regardless of whether you're working or not. Before 65, you have to be over the age of 60 or preservation age and have the intention to stop working. Yes. Absolutely.\n\nAbsolutely. But, say, 65, if you decide you wanna drop from five days to say four days of work. We just work out what your income is. We can roll everything back into the accumulation phase. We can reopen a separate pension account again so you have we basically do it's called a refresh.\n\nSo you roll your pension back into accumulation, put it all back together again, and then roll some more money back into that pension. You still keep your accumulation phase open here because you're still working. You want somewhere for your contributions to go, But then we can access the additional funds to say if you're earning $600 a week, and that one day means that you need to draw a $100 a week out of your pension account to keep your income the same, we can do that. We can set that up. So a $100 every week is drawn out of your pension account and put into your bank account, so you're you're replenishing your income.\n\nThat means you have the same amount to live on every week to pay your bills. It's just coming from two two sources of income. One from your employer, the other one from a super system. Yeah. Does that make sense?\n\nIt's a little bit there's a lot to it. It's okay. Yeah. Yeah. Absolutely.\n\nWould you like me to go back and refresh the strategy to maybe reflect any changes and update that for you so we can go through it again? Or would you like to just take it a bit slower and maybe just start with, you know, reducing your risk and switching the investments? How would you like to move forward? Because we can go as fast or as slow as you would like, Sharon. Yep.\n\nYep. So we'll start by reducing your risk level in the portfolio, making some changes to the investments there. Do you wanna do that first, and then maybe in a couple of months, we come back and revisit that TTR strategy and sort of go through that again, or would you like me to do it as one document the same as I did last time? Yeah. What would you like?\n\nYes. Yeah. So this advice document at the very top is about the reducing of the risk, and it's about changing your investment strategy. So that's where the different strategies come into play. So if I can if it's okay, if you can scroll up for me again just so I can make sure that you're fully getting it, to page number eight.\n\nYeah. On the bottom of that page, it has a a table, and it says our advice to you. That's okay. Yeah. So you'll see the table there.\n\nRight? The different strategies are the different areas. So the first strategy where it says, Sharon, retain your Netwealth Superfund and change your underlying investments. That strategy there, when you go down and read the strategy through, it's about retaining your Netwealth Superfund, changing your underlying investment. So we're reducing your risk from that growth portfolio to the balanced portfolio.\n\nAnd because we to do that, we actually have to switch your investments. We have to sell some, buy some other ones. We also did find that in your portfolio, there was some underperforming investments. So we want kinda wanted to switch those out and change the portfolio for you. If you go down now for me to page number 18, I'm sorry to kind of move you up and down a little bit.\n\nJust wanna make sure I can do it. 18. Yeah. Just so you can see what that looks like. Sorry to move you around a little bit.\n\nJust trying to sort of maneuver it so that it makes it easier on you. Yeah. That's good. Yeah. That's okay.\n\nThat's that's all good, honestly. It's all okay. Beautiful. So the heading on this one is the investment. So in order to move you and change your risk level in your portfolio, we actually have to buy and sell investments so that you're when we complete the investment switch, you're in a lower risk portfolio, but you hold the weighting that you need to have.\n\nSo in order to move you from that growth to that balanced portfolio, we needed to buy more physical gold to sort of break this down. The first heading is Global X physical gold. The second column is your current weighting. So how much of that investment you have in your super fund right now? At the moment, you have 9.21% of that investment in your portfolio.\n\nWe wanna hold in the balanced portfolio, we wanna hold 10% of that investment. That's the second last column, the target weight. So in order to get you to 10%, we would need to buy, and you'll see the green column. We need to buy 1 $1,317.61 of physical gold to get you to 10%. So you hold 14,270 in your portfolio based on the the balance we had in here.\n\nOkay? Does that make sense? Yep. With the a 200, that investment is tracking the top two hundred hundred to make sure you only have 10% weighting of that investment. And that's because the a 200, while it's tracking the top 200 companies on the ASX, is a growth investment.\n\nThat is one of the ones that goes up and down. That's like holding Australian companies in shares. And that investment goes up and down quite drastically and can make us quite scared. So it isn't a it's a growth investment. So part of changing your risk profile is selling some of this growth investment to change your weighting to make sure you have less of that in your portfolio.\n\nDoes that make sense? Yep. Beautiful. The Vanguard fixed interest, we wanted to remove that completely. It is a good investment, but we wanted to just remove it out of there completely.\n\nSo we were selling all of that one down. The cybersecurity, again, is a growth investment. We wanted to keep that 5% of that was a a good amount in your new portfolio. So you had about zero 5.02%. So we only had to sell off about $75 to make sure you had 5% in there.\n\nAnd Yeah. The iShares Europe investment, this is giving you access or exposure to all the European countries and all the ASX of the exchanges within those companies. So their version of the ASX, essentially, the share market, you currently had 5.06%. We just had to buy $18 to increase your weight to 5% in a newer portfolio. So it was just about changing buying and selling investments so that your newer portfolio was weighted correctly.\n\nYou had basically, when we look at a weighting target, we just wanna make sure you have the right percentage of that investment. And when we buy and sell, we have to work out what percentage you need to hold, but then we actually tell Hub twenty four or Netwealth how much as a dollar figure needs to be bought or sold to keep you waiting correctly. Does that make sense? Yeah. It's a lot.\n\nDo you have questions? You're allowed to let me know if you have more questions. Yep. That's okay. But, realistically, what I because we've sort of gone through things and you kinda don't wanna reduce your risk as much into that balanced environment, do you want me to go back and just maybe look at the balanced growth so we're not stepping down so drastically, just stepping down those risk steps a little bit at a time, 10% at a time?\n\n10 percent? Absolutely. No. That's okay. And, look, if you come back to me in a month's time ago, hey, Dana.\n\nI don't like this. I wanna drop down again. I'll go back and do another document, and you'll step down again. It's honestly you don't have to stay there. You don't have to feel like you can never increase your risk if you want to.\n\nI'd be wholly against you trying to increase your risk at any point because you are so close to, you know, lowering your work hours. And, realistically, with the ups and downs we've seen this year I mean, you've probably seen on the news Trump's been tweeting and everything with the American, the Iran war. That did make Martha go up and down a little bit. So, you know, we wanna try and yeah. So we do wanna sorta try to, you know, limit the ups and downs.\n\nAnd even with reducing your risk level, you still have some of those growth assets. You still have shares. So you're never not gonna see the ups and downs. But the idea of reducing your risk level is that you're protecting your capital, and we're reducing the ups and downs that you would feel. So if you had, say, 200,000 in your super funds and you're in that balanced or balanced growth environment, the ups and downs are less likely to be drastic than someone who's taking on more of a high growth or an aggressive risk profile, and they're a 100% invested in those shares, they're gonna feel that up and down way more drastically than you would in that balance to balance growth portfolio.\n\nDoes that make sense? Yeah. Yeah. That's okay. How did you how I will need to go back and update the advice document to reflect.\n\nAre you still comfortable with me just going back and updating the portfolio to be more of a balanced growth portfolio so we just step down in smaller increments. Yep. Beautiful. Would you like me to do that first and then we come back and look at that transition time strategy, or do you want me to Yep. Yep.\n\nBeautiful. Well, what we'll do yeah. Absolutely. Perfect. So if I just double check your file to see when your annual review is due, because I could work it so it coincides that way.\n\nSo any review is due around about July. Perfect. So what I'll do is I'll go back now, and I will just read through the investment strategy, moving you into more of a balanced growth environment. We'll come back and do that advice document, and then we can work out when we come back and do that treat TTR strategy, whether we look at it this year or whether we maybe hold it back until January, and we start it next year for you. Does that sound comfortable?\n\nGive you some time to take on board what's going on and do things slowly. Yep. Beautiful. Excellent. Easy.\n\nSo what I'll do, if you're okay with it, can I book you in in maybe, I reckon, a week's time just to update this investment portfolio for you? Are you available anytime next week? Is there a day that generally suits you better? Yeah. Absolutely.\n\nSo next Thursday morning, I am available for majority of the day. Would you prefer maybe nine, 10:00 in the morning? What's suitable for yourself, Sharon? 10:00? Yeah.\n\nAbsolutely. So I'll put it in there for 10AM, and we will present the updated statement of advice, and we'll do an investment switch. Yep. Oh, well, I yes. Normally, we do.\n\nI send it to you via OdoSign so you can open it up and look at it with me, and we'll go through it slower. I can also post it to you. It just may not be there in time. Is that gonna be okay? Yeah.\n\nJust pop, yeah, just pop it aside. Just you can throw it out if you don't want it anymore. It's completely up to you. I would Yeah. Absolutely.\n\nYeah. Perfect. Not a problem at all. Excellent. Well, I've booked that one in for you for next Thursday morning, which is the August 20 at 10AM.\n\nI will have the advice document in the Odoo sign. I'll send it to you. You can open it. We can go through it together. I've scheduled that plenty of extra time so we can go through.\n\nYou can ask me questions. We can talk about what's happening on each of the pages. And then if you like, we can also post you a copy. So I'll get my team to send one out to you in the mail. That way, it comes in the mail, and you've got a hard copy to read.\n\nAnd then you can we can come back and answer any additional questions you have. Does that sound okay? Yeah? Yes. Actually, we will do that for you.\n\nSo I'll get my team to go into the Odoo sign, and they will void that copy. That way, it disappears out for you. Okay? Yep. It'll just, yeah, it'll just expire.\n\nThe link will be no longer valid. So you can delete it on your end, and we'll void it on our end for you. Okay? Yeah. The the pension account, it shouldn't do.\n\nSo when we work it out, we look at your payslip and work out what your take home pay is, what you already have coming out of your account, and work it around that. So when we get new payslips, we'll look at it. We'll work out what you've got what your pay is, what your take home pay is, how it looks, and try to work it around that for you so it doesn't affect you. Yeah. It's okay.\n\nYeah. Yeah. Wow. Wow. See, that's the other thing we'll look at is we'll look at with your pay whether it's even gonna help you or whether it's even gonna work out good for you to do.\n\nBecause if you're salary sacrificing or if you're salary packaging that much money already, then it may not work out that you can salary sacrifice. It may not work out beneficial for you. So we do all that work and all that math for you to work out So we do all that work and all that math for you to work out whether it works, how it's gonna work, and then we'll come back and let you know yes or no. Hey. It's not gonna work.\n\nWe're not gonna do it, or, yes, it will work, and this is how it'll work for you and show you the numbers. And, admittedly, everything can change in a few months, so we'll start by just reducing your risk and changing your investment now. We'll go through that slowly, and then we can come back in a few months' time, look at how things are tracking for you, and look at what we need to do. And as part of this, I mean, as you'll see in that document there, I do do a bit of a a Money Smart calculation. It's essentially a a retirement projected income calculation based on what we're projecting you should have and how much income you should be able to draw to give you longevity or what your income looks like.\n\nI'll redo that calculation, and I'll show you that we'll go through that together. Okay? It's just sort of projecting forward based on the advice what we expect in retirement, how long income should be expected to last, or how long your super should be expected to last. I'll have you look at age pension as well well well whether you're eligible for age pension based on current assets and liabilities and things like that, and then we can go back and update everything. Yeah.\n\nYeah. No. That's okay. Well, let's also while we're here, because it's been a while since we've gone through and updated your circumstances, let's just go through and update all your assets, liabilities, and goals and things just so we can kind of update the advice reflect because it has been a while since we updated these. Just sort of tracking now, we were talking about being able to access super and do, you know, drop days at about age 65, but you're still wanting to fully retire around age 67.\n\nIs that still correct, or what's your actual retirement age now? Yep. That's okay. Did did you want me to work on 67 as a goal age for now knowing we can always change that down the track? Yep.\n\nYep. Beautiful. Excellent. I've got down here that you were originally hoping to draw about $1,100 per week from both super and the age pension to survive from age 67. Does that feel still appropriate?\n\nYep. That's okay. It's all sort of based on today's dollars because we don't know how much it's gonna be worth in the future. But, yeah, but what I sort of look at doing now is I base the research around your goals. So looking forward to 65, 57, what does this look like for you at that age?\n\nWhen you get to that age, we'll reconfirm what your expenditure is. And when you go into pension phase, we'll work out what you sorry, what you actually need to live on, how you draw that down, and then provide advice through pension phase on that aspect. Okay? Excellent. I've also got in here now you did retain a bit of life cover.\n\nSorry. Just retained just having a quick look for you at what I've got in here. Sorry. I've got the hiccups. I do apologize.\n\nSo with your life cover, you've got your MLC life cover, which had a sum insured of about 118,850. And you were happy to retain that for a little bit longer. Do you still want to retain that for longer? Just keep it. Don't you know, keep it for longer.\n\nKeep paying for it out of your super. Yep. That's absolutely fine. It's not a problem at all. I'll keep asking that question every year so you can let me know how you feel about it.\n\nWhen and if you do so, do you no longer want it anymore? Some people some people do. Most of the time, realistically, what we wanna keep insurances for is for if we pass away or something happens to us whilst we have debts, that the insurance provides that level of cover. So most people will have life cover so that if they pass away, their mortgage can be fully paid off, their cars credit cards and things can be fully paid off, and then the benefit gets paid to their beneficiaries, whoever that might be. Generally speaking, when we get to sort of age 60 and beyond, if we have enough super and it covers our debts, we tend to not need to have life insurance any longer because if we pass away, our super is paid out.\n\nIn saying that, it is a personal decision. So, realistically, you're only paying about 660. The amount coming out of super dispute is $561.08. So you only paid about 500 dollars correct to have that a $118,000 worth of cover. And it means that if you were to pass away based on your super balance, so we'll say $1.45 $2.03 9 plus 118,050, between your life cover and your super balance, your beneficiary could receive 264,089.\n\nSo that's not a bad benefit to pay. Yeah. Oh, yes. Will is a good thing. Tax.\n\nYep. Yep. So I'm just going back to that section. Fantastic. So with your goal for your beneficiaries sorry.\n\nI'm just looking at what we had noted here. Estate planning. Your goal was that in the event you were passing away, you wanted to have your super and life insurance directed to your will so it could be distributed to your adult children. Yes. So the biggest thing to sort of think about is with adult children, there's a lot of legislation around how death benefits are to be paid.\n\nIf you're super and your life insurance is paid to a spouse or a child 18 or a dependent child, someone who relies on you financially, they can receive the funds completely tax free. If it's being paid to an adult child who is not a financial dependent on yourself, the super benefit and the life insurance process, if they're paid directly, they pay 17% tax on that money. So it means that once yeah. That's right. Yeah.\n\nSo in the advice document, we recommended that on your life insurance and your super with the beneficiary, we tick the legal personal representative. And that means that in the event that something happened to you, if you were to pass away, the the super and the life insurance money would go to your estate. You just need to have your will done up so it receives that money and then have it distributed to your adult children however you see fit. The kids do still pay tax on the money, but it reduces the amount of tax that they're expected to pay. So it means that they receive more of the benefit.\n\nDoes that make sense? Yeah. Yeah. Yeah. That's fantastic.\n\nSo I'll update that for you. So being updated now. Excellent. And are you having a power of attorney set up as part of the will? Have got one.\n\nFantastic. Is it enduring power of attorney? Oh, fantastic. You've done it all. Yep.\n\nThat is really good. That's fantastic. No. That works out really, really well. Excellent.\n\nI had down here that you were paying rent of about $285 per week. Has your rent increased recently, or is it the same? Okay. Beautiful. 300 per week.\n\nThank you for updating that. I had your car down as an asset. I had it down as a Toyota Corolla, and I worked out the asset via Redbooks would be about 13,800 based on the year and the model. Do you I personally think that should still be fairly okay. These sorts of vehicles do hold their value pretty well.\n\nAre you happy to retain that same value, or did you want me to maybe lower it a little bit? No. That's okay. I also have that you had some savings here about 40,000, which was due to be used for a trip to Canada. Do you still have those savings or some savings?\n\nYeah. 30 4,000. Okay. Perfect. Yep.\n\nBeautiful. And what's the interest rate on that new account when you have it? Sorry. That's okay. Do you know what bank it is?\n\nOr let me just have a quick look and see if I can pull it up for you. Bank of And what sort of account is it? Smart saver interest rate. Perfect. I think it's Queensland.\n\nI've got Smart saver account up to five point four zero percent. Cool. Is the interest rate around 5.40% per annum? Does that ring a bell? Yes.\n\nYeah. Okay. So is that based on the 50,000? Is that based on the 30,000 50,000? Sorry?\n\nYep. That's okay. Because I can just sort of work out if it's the right interest rate. So 5.40. 100 by 50 thousand.\n\n40 thousand. Okay. Divide that by twelve months. Uh-huh. Did you say the interest is about a $180 a month?\n\nOkay. So it might worth to add on a little bit less. So because 5 point four zero you're at sorry. So 5.40% per annum, so per year on 40,000, over twelve months gives you 2,160. Divide that by twelve months means you get a $180 per month interest on 40,000.\n\nYep. That makes sense. And you have about 30 four. Yes. Yeah.\n\nOh, yeah. Definitely. So if I work it on the 34,000 for you, $153 even. So, yeah, it's still a very good interest rate. Yeah.\n\nBeautiful. Absolutely. So pop that in there. Fantastic. I've also yeah.\n\nYou could do. You could do. I would just wanna make sure that you're not planning to use that yet. So because, realistically, you are still working. If you have, you know, holidays or large bills or something coming up where you might wanna use those funds.\n\nBut if you wanted to, we can hold off for now. And then just down the track, we can talk more about what your goals are with that money, whether you do wanna look at adding your industry. But does that sound okay? Yeah. Don't wanna say yes.\n\nLet's do it right now and have you go, oh my god. I put that money into super, and, oh my god. I need it back a little bit because we kinda can't draw it back out unless we meet that condition of release or open up the TTR account. It's a little bit more of a process to do that. So if we just do it in smaller increments, we do the investments now, then we can come back and talk about your savings and the TTR side of things, and we can kind of move forward in slower, steady paces to make it a bit easier on yourself.\n\nDoes that work out okay? Yeah. Beautiful. I don't wanna do too much at once and kind of make it overwhelming for you. Starting small is there's nothing wrong with that.\n\nOkay? Excellent. And then I've also got you have an investment account, a Premier Investment account, I believe. It was from. Yeah.\n\nOkay. Beautiful. I'll update that for you. Lovely. Lovely.\n\nAnd there are just so you are aware, there are other ways that you can invest for grandkids. We do have access to, like, investment accounts, investment bonds, and things where you can have the money invested for for them for the future where when that gets handed to them, they get the money tax free. So there are, yeah, so there are other ways that we can invest the funds for your grandkids down the track if you're wanting to add more money to it or if you're wanting to invest for them. So there's other other things that we can do. Yes.\n\nYeah. Yeah. Absolutely. If you had, say, that 7,000 sitting there and how grandkids do you have at the moment? Wow.\n\nWow. That's incredible. That's exciting. Oh, absolutely. Yeah.\n\nYeah. Oh, that's so beautiful. Yeah. Oh, that's lovely. I'm very excited.\n\nCongratulations. It's very exciting. But, yeah, look, down the track, if you decided to and wanted to you would it would be something that we would need to put more money into, so smaller amounts over time for, you know, compounding. But you can invest in different investment accounts and bonds for for kids to be passed down to grandchildren later in life, you know, ten, fifteen, twenty years down the track. And it does give them an advantage to have that money invested and growing for them to receive later on down the track as an inheritance or, you know, at a certain age that you deem fit for them to receive the funds?\n\nPardon me. Yeah. Absolutely. That's not a problem. But look down the track.\n\nIf there's other goals that you have that you want us to look at as advisers, we can definitely help you in that area as well. Okay? Beautiful. The only other thing to sort of look at is your income. Have you done your tax return for this last financial year at all?\n\nThat's okay. That's okay. I have your income noted. We obviously went on your past income from your last pay slips last time, and income noted there was about 65,115. Do you think your income may have gone up since then?\n\nBecause you said you're gonna pay rise? Yep. No. That's okay. That's not a problem at all.\n\nI'll just keep it at that for the moment, and we can reassess that in greater detail when we do that TTR strategy down the track for you. That's okay. And savings wise, are you managing out of your income to put much in the way of savings aside, or is all of your incomes going to all of your income kinda going towards your expenses? How are you sort of finding things at the moment? Yep.\n\nOkay. So there's sort of no no set figure that you're finding that you're able to put away? Is this whatever you've got left over at the end of the week depending on the bills? Yep. Yep.\n\nThat's okay. So I'll just write here all of income goes to expenses and anything left over depending on the week that stays in the account for use later on. Does that sound okay? Yep. Beautiful.\n\nBeautiful. Excellent. Employer contributions, I've got that here based on income for you, and I can double check that with your Netwealth Superfund. That's absolutely okay. The salary sacrifice.\n\nNow your salary salary packaging sorry, onto the card, and you said your salary packaging over overall about a thousand dollars a week. Is that right? Yep. Perfect. What's it called?\n\nI can have a look for you. Regional benefits. Let's have a look and see what we can find. Did they tell you that it was due to being in a regional area? And what's the name of the the salary packaging company that you do it through?\n\nEasy Way. Easy salary packaging. Sorry. I'm just having a quick look at the site to see what the options are. It doesn't really say anything specific about it.\n\nIt's got to do with the a yeah. It's got to do with the a c oh, absolutely. Yeah. It's got to do with the ATO definition of a remote area. So a regional or remote area salary sacrifice arrangement lets you pay for housing utility costs using pretax income.\n\nYou must live and work in an ATO defined remote area, and your employer must offer the salary packaging. 50 percent of eligible costs are exempt for the discounts from caps lowering your taxable income. So it's got to do with the ATO definitions of where a regional area is located, but you obviously come into that kind of area. So when yeah. Correct.\n\nIn the category. Yeah. So what I would probably look to do with your TTR strategy is look at what your your total income is, and then we break down what you've got coming out of that. So your salary packaging arrangements are deducted from that. So for your rent and then the salary packaging arrangement onto the card is then deducted from that, and that tells us how much your take your taxable income is or how much income you pay tax on.\n\nAnd if you're looking unless you're looking at that page again with that TCR strategy there, if you're looking at page number 30. Sorry. If I go back to the salary sacrifice page, that's page number 27. Yes. So if you're looking at that page with your two positions, you've got your current.\n\nSo what we wanna do with looking at your salary packaging is look at your we'll work at your total taxable income, which we had noted as $65,001.01 5. Then we subtract from that your salary packaging. And then also from that again, subtract what your salary packaging onto your card, so your rent plus your card. And then anything after that is what your employer pays tax on. So that becomes your take home pay from that amount is, and then we work out how much you can put in the super as a salary sacrifice arrangement to increase your contributions and then how much we draw out to keep your take home pay what it is currently.\n\nDoes that make sense? So your take home pay, we would be working out is not your total with your salary packaging onto that card. It's the essentially, the total that you get paid from your employer after the taxes the income tax comes out. Does that make sense there for you? Yeah.\n\nIt is. Yeah. Yeah. So that's how we would work out your salary sacrifice and your in and the pension drawdown, that transition pension drawdown around your salary packaging arrangement, essentially. Does that make sense?\n\nYeah. There's a lot to it, and I'm very sorry. I hope this has clarified things. Is there more questions that have come out of it? You're allowed to ask any other questions you have.\n\nIs there anything else that's kinda come up that's, you know, might be concerned or you just need a It'll come down to the rate it It'll come down to the rate it'll come down to the research, but let's start small. Let's do the reduction of risk, and we'll do the investment switching first. And then we'll come back later and do that transition to retirement strategy and look at what we can do there and how that works based on your income at the time. Does that sound okay? Yep.\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nSo just to clarify, at 65 dropping a day, is that saying that we've started that transition account, or is that just in general if you, you know, wanted to drop a day? Is this Yeah. Yeah. Yep. Oh, absolutely.\n\nSo what we'll do to start with is, again, we'll look at your payslip. I like to get a payslip because it does kinda give me clarification on how much you're earning. We'll look at what your your hourly rate is. So we'll work out how many hours that is gonna be for you. We'll work at your hourly rate versus the amount of hours you're going to work.\n\nIf you're still salary packaging, we'll try to deduct that out, and we still wanna look at your taxable income. So we wanna know what your your taxable income is that your your employer is paying tax on. We then work out so we just wanna basically work out what that is with your full your current hours. If it's full time hours, thirty eight hours a week, I think you're doing sixty four hours per fortnight. Is that still fairly accurate?\n\nYeah. So we'd essentially look at your hourly rate versus sixty four hours per fortnight. And then if you were to drop one day per week and say that went to sixty, say, sixty, fifty eight hours per fortnight, give or take, we would then do the same math and work out your hourly rate versus, say, fifty eight hours per fortnight and work out the difference. The difference between those two is what you need to draw down to keep your take home pay the same. So we're basically looking at what you earn prior to the change, what you earn after the change, and what the difference is, and keeping your take home pay level the exact same.\n\nAnd, again, we can do the pension account so that the money comes out of your super fund. The day that your income is supposed to be paid from your employer or a day around it, if you get paid fortnightly and you just wanted to supplement it, I've got some clients who receive their income payments on the week where they don't receive anything from their employer. That way, they have money coming in every week. It's a different amount every week, but there's money coming in every week to sustain them a little bit. Yeah.\n\nThere's lots of different things that we can do, lots of different options that we can help you with. It's just about breaking it down so that you understand what we're doing, how we're doing it, and just slowing the process down a little bit for you so you can sort of feel a bit more comfortable each step of the way. Yeah. Oh, good. I'm really glad that's helping you a lot.\n\nYou're always welcome to ask questions, and I definitely, Sharon, do encourage asking questions. I think it's really great because it sort of helps to clarify and understand things. I mean, it's sort of I try to break it down as much as possible, but it's always sort of hard to understand how the other person on the other end of things is taking it. So please feel free to ask questions as often as you need. I can clarify things as as regularly as you need me to just to make sure that you're understanding what we're doing and how we're doing it, why we're doing it, and how it affects you.\n\nBecause at the end of the day, this is your money, your retirement. It's part of your income. We wanna make sure we do the right thing by you and look after it. Okay. All good.\n\nThey not no. Not no not in the same way we do. So, essentially, if with an industry fund that they're just a vehicle, the biggest thing to think about a super fund is it's a vehicle. So think of it like your car. You put your you get into your car, but without fuel, you don't go anywhere.\n\nYour investments are your fuel. You're putting the invest the super fund is just a vehicle. So whether it's hub twenty four, Hestar, whether it's host class or Netwealth, for example, they're just a vehicle. What really makes your money worth is the underlying investments. With the industry funds, you do have very limited investments.\n\nThey tend to just find a an average portfolio that suits the the average time horizon that you have, and they'll throw your money into that. And what happens happens. They have, like, a certain stage where they might move you into something more conservative, or if you're younger, they might have you a bit more risky. Whereas with advice, we have a lot more scrutiny around what we do, so we have to do risk profiling. Correct.\n\nNetwealth has a lot more investment options to choose from, so we can make alterations to your portfolio. We have a lot more it's more of a sophisticated platform, investor platform, and you wanna have an adviser who looks after these sorts of things because we do need to change your risk profile more regularly. I mean, with an industry fund with where you are currently, like I'm telling you, we should be reducing your risk level because you are closer to retirement. In an industry fund, you would just sit there until they tell you that, you know, it might be time to change things or move into more cash or something because you're a year out. Whereas we're looking at this in advance and trying to sort of help you to reduce gradually, make changes so that things are working harder for you.\n\nWe're reviewing your portfolio, your performance. We're helping you with the TTR strategy. If you go to them, they'll say, well, you can only do 10%, and you'll have to do all the math to work out how much you move, where you're invested, what you're doing. So with an industry fund, it's a lot more on you. Correct.\n\nYou pay us to do what's part of our ongoing service fee. So you pay us a service fee to look after things, to provide advice, to help guide you along the way, and to be there and support you and to provide that financial support and that financial advice. So that's what we do. The idea of having an adviser is that they you've given them some goals, and they're here helping you track towards those goals. So yeah.\n\nYeah. Good. Yep. Yeah. Absolutely.\n\nYeah. So we'll go back. We'll just do up the the portfolio switch again, just reducing risk. We won't go as gradual. We'll move into more of a balanced growth environment for you, and then we'll look at what that looks like.\n\nThen we'll come back in a few months' time and reassess things moving forward a bit closer. I probably actually just want to quickly, if I could we did your risk profile questionnaire a few months ago, but I just wanted to re quickly visit that to just kind of gauge. I had answered most of these previously just with, like, your time horizon and everything. But one of the things I just wanted to I have just three questions I'd like to kind of go through just to kinda clarify. The first question is if you saw your super fall by 20% in the next, say, one to two years, how do you think you might be feeling?\n\nDo you consider yourself comfortable? You're thinking it's an investment opportunity and wanna put more money into the market. Are you a bit cautious wanting to call us and see what we suggest you do, maybe hold and wait? Or are you a bit concerned and maybe wanting to sell the investment and put the money into something more secure? Out of those three options, where do you think you might fit, Sharon?\n\nYep. Yep. Yep. Do you think you would be, you know, feeling cautious, maybe calling us and talking to us about the options, or do you think you'd be ringing us and go, hey. Sell that investment.\n\nI wanna get a cash. I'm a bit concerned and nervous. Yeah. Perfect. Excellent.\n\nAnd I'm just noting here, so 67 is when we're gonna work on for your time horizon. So it gives us a four year time horizon to access super. Beautiful. I'll tick the box there. I've noted here with regards to the average return you're like you're hoping to achieve, we wanted to get the best possible return you can from your super.\n\nAm I on the right track with that one? Happy to tick that box. Yep. Beautiful. And the other one here is thinking about your super in the past, have you ever seen your super fall in value?\n\nI know we do see market ups and downs, but have you ever seen your super fall in value in the past? But even before that, have you seen a falling value before that at all? Yeah. Yep. Okay.\n\nYep. No. That's okay. Thinking that you're super now because we know markets will go up and down, and no matter what portfolio you're in, you will see those ups and downs. It's about the risk level that you're taking to make sure you're comfortable with the types of ups and downs that you do see and feel.\n\nIf you saw your portfolio fall in the future due to what was happening in the markets globally, do you think you'd be feeling optimistic, cautious, concerned, or feeling very anxious about it? Yep. Yep. Absolutely. And the last one here is Absolutely.\n\nAnd the last one here is thinking about the risk level. If you thought about risk between numbers one and five, five being the highest risk level or your money in shares, one being the lowest, it's sitting all in cash. Where do you think you might see yourself fitting between one and five in a number? Do you see yourself as a two, three, four, three? Yep.\n\nAbsolutely. Perfect. All good. So with that, you have scored as more of a moderate investor. So it does sort of see that balanced portfolio that we were sort of looking at before, but we can absolutely go balanced growth.\n\nIt is one above. To give you a bit of an idea, as I kinda mentioned before, it sees about 70% of your super invested in growth assets. So think about Australian shares, international shares, some gold and silver, and some property. And then the other are generally 30% in defensive lower risk investments, like cash, bonds, and fixed interest. This balanced growth environment, you're tracking to try you wanna get an average return of six to 8% on a yearly basis and compounding that forward.\n\nAnd suit someone who has about sort of six years before they you know, five to six years before they're accessing their super, so around about five years. With your four year time horizon to age 65, knowing you still want to work a little bit longer, that's okay because 65, you said you just wanna drop days, but you still want to work. So you'll still be putting money into super. So this balanced growth environment with your four to five year time horizon is completely fine with a negative return. Now because we always talk about market ups and downs, and every portfolio has the likelihood of a negative return.\n\nThis sort of balanced growth environment is the likelihood of a negative return is one in say every six years, which is very much lower risk. With the portfolio you're in now, the average likelihood of a negative return is one in every five years. So we're reducing the risk level. We're reducing the likelihood of a negative return a little bit as well and trying to create a bit more stability to your portfolio. Does that still feel right for you, that balanced growth environment there, Sharon?\n\nYep. Beautiful. Do you have questions about what I've just gone through? No? That's okay.\n\nAll good. I'm are you comfortable for me? I'll just go back. I'll update the advice. We'll talk again next Thursday morning and go through it together.\n\nDid you want me to get someone to also post you out a hard copy as well? It won't be there by next Thursday, but it will come a few days after. Did you still want someone to post a hard copy for you? Fantastic. Not a problem at all.\n\nYou yeah. You can. So we'll I'll go through it with you online next week so you can see the document. We'll talk about it. You can ask any questions you have, and then a hard copy will come in the post for you to reread.\n\nAnd then if you're comfortable proceeding with that advice, I'll get you to sign it electronically. I can get someone to one of my team to give you a call maybe a week or two after we've gone through it, and they can help you with the signing of that if you would like. Does that sound okay? Yeah. Yeah.\n\nIt's we use Odoo Sign, which is the same sort of thing. You just press the button that says sign to sign or sign here, and it takes you through. Yes. Shouldn't be a problem. But if you get stuck, you can let us know.\n\nWe're more than happy to help you talk you through it. Okay. Excellent. All good. That's okay.\n\nThat's not a problem at all. I'll go back and update the advice, and we'll talk again next Thursday. And in the meantime, if any questions come out, Sharon, just let me know. Okay? Absolutely.\n\nAll good. Thank you. I'll let you go. You have a lovely evening. No worries, though.\n\nThanks, Sharon. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Oh, hi, Sharon.","start":4.64,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.0967089409629504},{"text":"It's Dana from Oceania Financial.","start":5.3599997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.15088603794574737},{"text":"How are you this afternoon?","start":6.8799996,"end":8.02,"sentiment":"neutral","sentiment_score":0.20444639325141906},{"text":"Yeah.","start":10.719999,"end":11.04,"sentiment":"neutral","sentiment_score":0.08472701907157898},{"text":"I can hear you perfectly fine.","start":11.04,"end":12.48,"sentiment":"neutral","sentiment_score":0.10487398505210876}],"sentiment":"neutral","sentiment_score":0.13903799541294576,"num_words":20,"start":4.64,"end":12.48},{"sentences":[{"text":"Can you hear alright?","start":12.48,"end":15.705,"sentiment":"neutral","sentiment_score":0.0684209642931819},{"text":"Fantastic.","start":16.244999,"end":16.744999,"sentiment":"positive","sentiment_score":0.5294969081878662},{"text":"All good, Sharon.","start":17.365,"end":18.244999,"sentiment":"positive","sentiment_score":0.5423600872357687},{"text":"I just had you booked in for a bit of a catch up in relation to the advice we provided a few months back.","start":18.244999,"end":22.404999,"sentiment":"neutral","sentiment_score":0.22129367974897227},{"text":"Is now still a good time there for you?","start":22.404999,"end":24.425,"sentiment":"neutral","sentiment_score":0.23539411690500048}],"sentiment":"neutral","sentiment_score":0.24048430227288387,"num_words":41,"start":12.48,"end":24.425},{"sentences":[{"text":"Fantastic.","start":27.119999,"end":27.619999,"sentiment":"positive","sentiment_score":0.5095093846321106},{"text":"Before I jump into the call, I just have to let you know we do record our calls for quality and training purposes.","start":28.32,"end":32.96,"sentiment":"neutral","sentiment_score":0.17382457852363586},{"text":"Are you happy for me to proceed with that?","start":32.96,"end":35.14,"sentiment":"neutral","sentiment_score":0.1748806056049135},{"text":"Fantastic.","start":37.68,"end":38.18,"sentiment":"positive","sentiment_score":0.4157719314098358},{"text":"And then, also, just to do a really quick security check there with you, just to confirm your full name, your date of birth, and address I should have on file.","start":39.105003,"end":45.765,"sentiment":"neutral","sentiment_score":0.15640657298987912}],"sentiment":"neutral","sentiment_score":0.17455039746486223,"num_words":65,"start":27.119999,"end":45.765},{"sentences":[{"text":"Yeah.","start":48.145,"end":48.645,"sentiment":"neutral","sentiment_score":0.039990268647670746},{"text":"Fantastic.","start":55.120003,"end":55.620003,"sentiment":"positive","sentiment_score":0.4249011278152466},{"text":"Beautiful.","start":57.04,"end":57.54,"sentiment":"positive","sentiment_score":0.5055652856826782},{"text":"Thank you so much for that, Sharon.","start":57.600002,"end":59.38,"sentiment":"positive","sentiment_score":0.5651385102953229},{"text":"So just as with the the cat test today, one of the things that was sort of made mention was that you seemed pretty happy with most of the advice there.","start":60.08,"end":68.145004,"sentiment":"neutral","sentiment_score":0.22231199087635165}],"sentiment":"neutral","sentiment_score":0.2882462919848721,"num_words":41,"start":48.145,"end":68.145004},{"sentences":[{"text":"The main sort of aspect was that trans transition to retirement strategy you weren't weren't sure if you wanted to go ahead with.","start":68.145004,"end":74.645004,"sentiment":"neutral","sentiment_score":0.02839010856721712},{"text":"Does that sound about right?","start":74.94501,"end":76.40501,"sentiment":"neutral","sentiment_score":0.013454144634306432},{"text":"Yep.","start":90.229996,"end":90.729996,"sentiment":"neutral","sentiment_score":-0.010956598445773125},{"text":"That's okay.","start":91.11,"end":91.875,"sentiment":"neutral","sentiment_score":0.013460119254887104},{"text":"So the way a transition retirement strategy works is that, essentially, at the moment, you've got your super account, and your super is sitting in what's called an accumulation phase.","start":91.955,"end":101.415,"sentiment":"neutral","sentiment_score":0.006429624546823712}],"sentiment":"neutral","sentiment_score":0.015231075355512106,"num_words":61,"start":68.145004,"end":101.415},{"sentences":[{"text":"Essentially, to have this TTR strategy as it's called shortly, we look to increase your contributions in the super as much as we possibly cap can up to the concessional cap to say as an example, the concessional cap is 32,500 this financial year.","start":102.515,"end":117.45,"sentiment":"neutral","sentiment_score":0.04513777100311762},{"text":"So we look at what your income is and what your employer So we look at what your income is and what your employer contributions are going in and then increase those contributions up to the cap as much as we possibly can.","start":117.45,"end":128.725,"sentiment":"neutral","sentiment_score":0.057767521763263746},{"text":"Now because that money goes into super by way of salary sacrifice, it reduces how much you have take home pay.","start":129.025,"end":135.67001,"sentiment":"neutral","sentiment_score":-0.10604620370126906},{"text":"That's generally not preferable because it means that you end up with less money to pay all of your bills.","start":135.73001,"end":140.71,"sentiment":"neutral","sentiment_score":-0.23732385635375977},{"text":"So then we can open up a secondary account.","start":141.25,"end":144.05,"sentiment":"neutral","sentiment_score":0.22665762901306152}],"sentiment":"neutral","sentiment_score":-0.0033829444067647856,"num_words":137,"start":102.515,"end":144.05},{"sentences":[{"text":"And because you're over over 60, we're able to open up a a it's called a transition to retirement pension account.","start":144.05,"end":152.205,"sentiment":"neutral","sentiment_score":0.2799216090213685},{"text":"The rules of opening up this pension account are that you can only access a minimum at the moment of 4% of your balance transferred and a maximum of 10%.","start":153.065,"end":162.57,"sentiment":"neutral","sentiment_score":0.2742487852772077},{"text":"And so because we're putting more money into super by way of salary sacrifice, we're also drawing some out to replenish your income.","start":163.13,"end":170.75,"sentiment":"positive","sentiment_score":0.4242868993593299},{"text":"And the money that comes out of that transition retirement pension is tax free because you're over the age of 60, And we don't have to take as much out as what we're putting in because the money going in is pretax.","start":171.13,"end":183.11499,"sentiment":"positive","sentiment_score":0.34877321248253185},{"text":"Essentially, it keeps your take home pay exactly the same.","start":184.055,"end":187.275,"sentiment":"positive","sentiment_score":0.3735859230160713}],"sentiment":"positive","sentiment_score":0.33530754117029055,"num_words":126,"start":144.05,"end":187.275},{"sentences":[{"text":"You pay less tax because you're putting more money in the super from your pretax income, and your take home pay isn't effective because you're getting your income from your employer plus this money out of your super out of this pension account to supplement your income.","start":187.495,"end":201.16,"sentiment":"neutral","sentiment_score":0.2887712488783167},{"text":"Does that make a little bit more sense?","start":202.02,"end":203.8,"sentiment":"neutral","sentiment_score":0.10170832788571715},{"text":"Yes.","start":204.1,"end":204.6,"sentiment":"neutral","sentiment_score":0.06356996297836304},{"text":"That's correct.","start":206.58,"end":207.06,"sentiment":"neutral","sentiment_score":0.1421898677945137},{"text":"It goes into your bank account from this secondary pension account.","start":207.06,"end":210.27501,"sentiment":"neutral","sentiment_score":0.1146615899421952}],"sentiment":"neutral","sentiment_score":0.23181365954055302,"num_words":69,"start":187.495,"end":210.27501},{"sentences":[{"text":"Yeah.","start":210.27501,"end":210.77501,"sentiment":"neutral","sentiment_score":0.07812473177909851},{"text":"No.","start":216.115,"end":216.435,"sentiment":"neutral","sentiment_score":-0.2353400886058807},{"text":"You don't because you're over 60.","start":216.435,"end":218.13501,"sentiment":"neutral","sentiment_score":-0.1883745938539505},{"text":"Yeah.","start":218.27501,"end":218.77501,"sentiment":"neutral","sentiment_score":-0.010332738980650902},{"text":"Very quickly.","start":231.41,"end":232.05,"sentiment":"neutral","sentiment_score":0.12506356835365295}],"sentiment":"neutral","sentiment_score":-0.09524259292943911,"num_words":11,"start":210.27501,"end":232.05},{"sentences":[{"text":"Yeah.","start":232.05,"end":232.37,"sentiment":"neutral","sentiment_score":0.13664507865905762},{"text":"Correct.","start":232.37,"end":232.87,"sentiment":"neutral","sentiment_score":0.18826361000537872},{"text":"So this salary sacrifice happens with your employer.","start":232.93001,"end":235.885,"sentiment":"neutral","sentiment_score":0.16164499148726463},{"text":"When we set up the transition time and pension account, we allocate when you want those pension payments to be made.","start":236.265,"end":242.265,"sentiment":"neutral","sentiment_score":0.18010328621381805},{"text":"So say if you get paid on a Wednesday once every fortnight, we can have that payment so it's drawn down on that same Wednesday so it hits your account the same day as your income or the next day.","start":242.265,"end":253.36,"sentiment":"neutral","sentiment_score":0.31734796427190304}],"sentiment":"neutral","sentiment_score":0.2548472704497022,"num_words":71,"start":232.05,"end":253.36},{"sentences":[{"text":"We actually get a lot of control as to when the, those funds are expected to hit your bank account.","start":253.36,"end":258.18,"sentiment":"positive","sentiment_score":0.5052783161401748},{"text":"Yes.","start":265.135,"end":265.615,"sentiment":"neutral","sentiment_score":0.10765321552753448},{"text":"So with your salary sacrifice, are you salary sacrificing in the super, or are you paying bills or having money moved into different areas?","start":265.615,"end":273.23502,"sentiment":"neutral","sentiment_score":0.02510241884738207},{"text":"How how does your salary sacrifice work?","start":273.37997,"end":275.63998,"sentiment":"neutral","sentiment_score":0.008768814482859202},{"text":"Mhmm.","start":279.06,"end":279.56,"sentiment":"neutral","sentiment_score":0.012952098622918127}],"sentiment":"neutral","sentiment_score":0.20547191303153084,"num_words":53,"start":253.36,"end":279.56},{"sentences":[{"text":"Mhmm.","start":297.45502,"end":297.95502,"sentiment":"neutral","sentiment_score":0.144667848944664},{"text":"Right.","start":302.81998,"end":303.06,"sentiment":"neutral","sentiment_score":0.13763228058815002},{"text":"So what you're yeah.","start":303.06,"end":304.9,"sentiment":"neutral","sentiment_score":0.12585977464914322},{"text":"Sorry.","start":304.9,"end":305.4,"sentiment":"neutral","sentiment_score":0.02746648341417313},{"text":"Yep.","start":311.3,"end":311.78,"sentiment":"neutral","sentiment_score":0.15128974616527557}],"sentiment":"neutral","sentiment_score":0.12056193221360445,"num_words":8,"start":297.45502,"end":311.78},{"sentences":[{"text":"Yep.","start":311.78,"end":312.28,"sentiment":"neutral","sentiment_score":0.1918826550245285},{"text":"That's okay.","start":312.74,"end":313.37997,"sentiment":"neutral","sentiment_score":0.2644060403108597},{"text":"So what you're essentially doing is called salary packaging.","start":313.37997,"end":315.885,"sentiment":"neutral","sentiment_score":0.11547616289721595},{"text":"So you're packaging your money or having your money moved from your pretax income onto this card so you can pay your bills, and that money is moved out pretax.","start":315.885,"end":324.865,"sentiment":"neutral","sentiment_score":0.11946409220496813},{"text":"And the same thing with your rent.","start":325.165,"end":326.525,"sentiment":"neutral","sentiment_score":0.10141975113323756}],"sentiment":"neutral","sentiment_score":0.1235477801184265,"num_words":49,"start":311.78,"end":326.525},{"sentences":[{"text":"Your rent is being paid pretax.","start":326.525,"end":328.305,"sentiment":"neutral","sentiment_score":0.07150292706986268},{"text":"Salary sacrifice by putting more money into super works basically the same way.","start":329.11,"end":333.37,"sentiment":"neutral","sentiment_score":0.1321737880890186},{"text":"It's like a 100 doll if you are doing, say, a $100 salary sacrifice into super, that $100 is taken out of your income before your income tax is paid, and it's put into super.","start":333.75,"end":345.425,"sentiment":"neutral","sentiment_score":0.10772868330989566},{"text":"So instead of if you're in a 30% tax bracket, 30% of a $100, if that $100 went into your pay and into your bank account, you would pay 30% tax on that money.","start":345.425,"end":355.71002,"sentiment":"neutral","sentiment_score":0.13349732153994195},{"text":"By putting it into super, you're only paying 15% tax.","start":355.71002,"end":359.31,"sentiment":"neutral","sentiment_score":0.15712578762322665}],"sentiment":"neutral","sentiment_score":0.12273415848992918,"num_words":98,"start":326.525,"end":359.31},{"sentences":[{"text":"Well, the super fund is only paying 15% tax.","start":359.31,"end":361.87003,"sentiment":"neutral","sentiment_score":-0.10643664250771205},{"text":"So that $100 is leaving your your wage or your employer is paying that into super before they work out your income tax.","start":361.87003,"end":370.315,"sentiment":"neutral","sentiment_score":-0.12620722016562586},{"text":"So you're actually not paying income tax on on your personal income tax on that $100.","start":370.315,"end":375.43503,"sentiment":"neutral","sentiment_score":-0.1405306812375784},{"text":"It's going into super and then having 15% tax taken out of it.","start":375.43503,"end":379.21503,"sentiment":"neutral","sentiment_score":-0.05049470410897182},{"text":"Yes.","start":381.99503,"end":382.2,"sentiment":"neutral","sentiment_score":0.11011219769716264}],"sentiment":"neutral","sentiment_score":-0.10734686615966982,"num_words":62,"start":359.31,"end":382.2},{"sentences":[{"text":"Yes.","start":382.52002,"end":383.02002,"sentiment":"neutral","sentiment_score":0.12368617951869965},{"text":"Yeah.","start":384.68002,"end":385.18002,"sentiment":"neutral","sentiment_score":0.22288984060287476},{"text":"So it is a different sort of salary sacrifice.","start":385.32,"end":387.58002,"sentiment":"neutral","sentiment_score":0.16148023555676141},{"text":"It is money going out of your income and into super, and it helps to boost your super, helps to, you know, make sure you've got more money invested in super working towards your retirement aspect.","start":387.64,"end":398.13498,"sentiment":"positive","sentiment_score":0.4068206921219826},{"text":"Yeah.","start":398.275,"end":398.775,"sentiment":"neutral","sentiment_score":0.11489955335855484}],"sentiment":"positive","sentiment_score":0.34500713770588237,"num_words":48,"start":382.52002,"end":398.775},{"sentences":[{"text":"Generally, look, preferably, you wanna yeah.","start":402.995,"end":406.91498,"sentiment":"neutral","sentiment_score":0.0951521024107933},{"text":"Preferably, you'd kinda wanna do it around about tax time.","start":406.91498,"end":410.06,"sentiment":"neutral","sentiment_score":0.07986330315470695},{"text":"But because it is hard to kinda get every TTR plan done in time and sort of start everything around that time, there's no there's no real, you know, best or worst start time.","start":410.36002,"end":419.58002,"sentiment":"neutral","sentiment_score":-0.07384382314322625},{"text":"As soon as possible is generally the best way to go.","start":419.88,"end":422.62,"sentiment":"neutral","sentiment_score":0.042483165860176086},{"text":"Because this advice has been provided back in May, it is, unfortunately, fully expired now, so I'll have to go back and redo it for you.","start":423.105,"end":431.285,"sentiment":"negative","sentiment_score":-0.4083489500559293}],"sentiment":"neutral","sentiment_score":-0.1297804852626447,"num_words":87,"start":402.995,"end":431.285},{"sentences":[{"text":"No.","start":431.825,"end":432.325,"sentiment":"neutral","sentiment_score":-0.15269088745117188},{"text":"Yeah.","start":433.185,"end":433.685,"sentiment":"neutral","sentiment_score":-0.06769784539937973},{"text":"That's okay.","start":434.705,"end":436.08,"sentiment":"neutral","sentiment_score":-0.2587422505021095},{"text":"Don't.","start":436.13998,"end":436.63998,"sentiment":"neutral","sentiment_score":-0.09560845792293549},{"text":"That's honestly fine.","start":437.74,"end":439.36,"sentiment":"neutral","sentiment_score":0.0940658375620842}],"sentiment":"neutral","sentiment_score":-0.0689105223864317,"num_words":8,"start":431.825,"end":439.36},{"sentences":[{"text":"Not a problem at all.","start":439.5,"end":440.78,"sentiment":"neutral","sentiment_score":0.11821010410785675},{"text":"If you can just maybe send me through your payslips again.","start":440.78,"end":443.5,"sentiment":"neutral","sentiment_score":0.05888180908831683},{"text":"Just send me, like, your last two payslips.","start":443.5,"end":445.44,"sentiment":"neutral","sentiment_score":0.05592608405277133},{"text":"I can go back through.","start":445.82,"end":446.86,"sentiment":"neutral","sentiment_score":0.06170448958873749},{"text":"Just double check the numbers because there could be now some discrepancy from what we presented last time.","start":446.86,"end":452.055,"sentiment":"neutral","sentiment_score":-0.09542160481214523}],"sentiment":"neutral","sentiment_score":0.005895588388468357,"num_words":47,"start":439.5,"end":452.055},{"sentences":[{"text":"We can go perfect.","start":452.355,"end":455.095,"sentiment":"neutral","sentiment_score":0.1160932406783104},{"text":"So we can go back and just double check the numbers against the TTR strategy for you.","start":455.235,"end":459.975,"sentiment":"neutral","sentiment_score":0.19137844793936787},{"text":"I can update the document and send it through.","start":460.275,"end":463.01498,"sentiment":"neutral","sentiment_score":0.13178439024421904},{"text":"Alternatively, if you don't wanna do that, you can just go forward.","start":463.155,"end":466.46002,"sentiment":"neutral","sentiment_score":0.046922331695289664},{"text":"I can just do, like, an investment switch because the other part of the plan was to alter your investments.","start":466.46002,"end":471.68002,"sentiment":"neutral","sentiment_score":0.162696073576808}],"sentiment":"neutral","sentiment_score":0.1406589603509694,"num_words":62,"start":452.355,"end":471.68002},{"sentences":[{"text":"We were looking at reducing your risk level as well.","start":471.98,"end":474.72,"sentiment":"neutral","sentiment_score":0.09939397871494293},{"text":"So at the moment, having a look sorry.","start":474.78003,"end":476.96002,"sentiment":"neutral","sentiment_score":-0.026267696171998978},{"text":"At the moment, you're in more of that growth environment.","start":478.06003,"end":480.54,"sentiment":"neutral","sentiment_score":-0.014206927083432675},{"text":"And because you are generally about sort of four to five years out from wanting to access your funds and starting to retire, we also talked about reducing your risk level in the market.","start":480.54,"end":491.035,"sentiment":"neutral","sentiment_score":0.025739840944023692},{"text":"So, you know, altering your investments, reducing risk in the market.","start":491.035,"end":498.19,"sentiment":"neutral","sentiment_score":-0.03530603156171062}],"sentiment":"neutral","sentiment_score":0.015459139614480815,"num_words":73,"start":471.98,"end":498.19},{"sentences":[{"text":"As one of the biggest things, when you are reducing risk, you are reducing the expected returns that come out of the portfolio.","start":498.65002,"end":504.59,"sentiment":"neutral","sentiment_score":0.1658625385683516},{"text":"In saying that, some some lower risk portfolios have really great years, and you can get still get a ten, fifteen, or 20% return.","start":504.81,"end":512.125,"sentiment":"positive","sentiment_score":0.3620375730097294},{"text":"But, yes, the idea is when you are reducing risk, you are reducing the expected returns that you are getting, and that is because you're protecting your capital.","start":512.58496,"end":520.125,"sentiment":"positive","sentiment_score":0.34539733986769405},{"text":"So in that growth portfolio you're in now, you see that 80% of your super invested in those growth assets.","start":520.185,"end":526.87,"sentiment":"neutral","sentiment_score":0.23211493119597434},{"text":"So think about things like Australian shares, international shares, listed property and commodities, so gold and silver.","start":526.93,"end":533.58997,"sentiment":"neutral","sentiment_score":0.08755468358011807}],"sentiment":"neutral","sentiment_score":0.25272851696770104,"num_words":112,"start":498.65002,"end":533.58997},{"sentences":[{"text":"Those sorts of investments go up and down quite drastically.","start":534.05,"end":536.87,"sentiment":"neutral","sentiment_score":-0.22496301904320717},{"text":"And when you have a down time, you feel that more drastically.","start":537.08997,"end":540.255,"sentiment":"neutral","sentiment_score":-0.2931320940454801},{"text":"That growth portfolio the growth environment normally suits someone who has at least six years before accessing their money.","start":540.955,"end":548.335,"sentiment":"neutral","sentiment_score":-0.07918037611402963},{"text":"Because if you think back to the GFC in the, you know, early to mid two thousand, 2007, 2008, a lot of people were about to retire, and then the GFC came out of nowhere, and the market dropped near 60% in a day.","start":548.555,"end":562.15,"sentiment":"neutral","sentiment_score":-0.17769576058807698},{"text":"And, essentially, a lot of people saw their super balance fall very, very heavily.","start":562.52997,"end":566.79,"sentiment":"neutral","sentiment_score":-0.3232806473970413}],"sentiment":"neutral","sentiment_score":-0.1981432827735188,"num_words":99,"start":534.05,"end":566.79},{"sentences":[{"text":"Being in that balanced environment, which is where we wanted to move you into, reduces your risk level or reduces your exposure into those growth assets from 80% to 60%.","start":567.57,"end":578.605,"sentiment":"neutral","sentiment_score":0.09848073894778887},{"text":"So you're dropping down about 20 in the high risk category and then increasing the increasing the defensive low risk investments by 20% as well.","start":578.605,"end":588.32,"sentiment":"neutral","sentiment_score":0.10417559862136841},{"text":"Essentially, your low risk investments are seen as cash, bonds, fixed interest.","start":589.66,"end":595.27997,"sentiment":"neutral","sentiment_score":0.307023120423158},{"text":"They're cash producing.","start":595.33997,"end":596.605,"sentiment":"positive","sentiment_score":0.40271326899528503},{"text":"Because when you're in those retirement years, we wanna have investments that are producing cash.","start":596.82495,"end":601.545,"sentiment":"neutral","sentiment_score":0.2863677740097046}],"sentiment":"neutral","sentiment_score":0.17349112936679054,"num_words":85,"start":567.57,"end":601.545},{"sentences":[{"text":"So paying cash that goes into your cash account in your super fund.","start":601.545,"end":605.40497,"sentiment":"positive","sentiment_score":0.3814274806242723},{"text":"So when you're drawing down income, that cash will help to cover the income so you don't have to sell as many investments.","start":605.545,"end":612.63,"sentiment":"positive","sentiment_score":0.3482429741517357},{"text":"It's yeah.","start":613.57,"end":614.29,"sentiment":"positive","sentiment_score":0.35517528653144836},{"text":"Does that help?","start":614.29,"end":614.93,"sentiment":"neutral","sentiment_score":0.28144312898317975},{"text":"Does that explain a little bit?","start":614.93,"end":616.13,"sentiment":"neutral","sentiment_score":0.06720772851258516}],"sentiment":"neutral","sentiment_score":0.3175759996743278,"num_words":47,"start":601.545,"end":616.13},{"sentences":[{"text":"Does that make sense?","start":616.13,"end":617.11,"sentiment":"neutral","sentiment_score":0.060287450440227985},{"text":"Please let me know.","start":617.17,"end":618.23,"sentiment":"neutral","sentiment_score":0.03607161529362202},{"text":"Yeah.","start":629.185,"end":629.685,"sentiment":"neutral","sentiment_score":0.14577046036720276},{"text":"That's okay.","start":633.825,"end":634.725,"sentiment":"neutral","sentiment_score":0.23888126015663147},{"text":"Do you sort of still feel like reducing the risk level would be important to you, maybe altering the investments?","start":635.665,"end":642.65,"sentiment":"neutral","sentiment_score":-0.03557289838790893}],"sentiment":"neutral","sentiment_score":0.009597137930893129,"num_words":31,"start":616.13,"end":642.65},{"sentences":[{"text":"Like, I know it does mean the returns are gonna be lower as well or expected to be lower.","start":642.65,"end":647.05005,"sentiment":"neutral","sentiment_score":-0.06045265887912951},{"text":"There's no guarantees you can get just as good returns in a lower risk portfolio.","start":647.05005,"end":651.47003,"sentiment":"neutral","sentiment_score":0.015511274834473928},{"text":"But the biggest thing I would wanna sort of, you know, try to avoid where possible is having you a year out from trying to in trying to access your money.","start":651.975,"end":661.975,"sentiment":"neutral","sentiment_score":-0.24497122750166925},{"text":"Say, you'd be 64 or 65 and saying, hey.","start":661.975,"end":665.415,"sentiment":"neutral","sentiment_score":-0.2108194331328074},{"text":"I wanna retire next year and to take an income, and then we see a 20 or 30% drop in the market and your super balance drops very heavily.","start":665.415,"end":672.26996,"sentiment":"neutral","sentiment_score":-0.3109205796800811}],"sentiment":"neutral","sentiment_score":-0.1885836034723856,"num_words":103,"start":642.65,"end":672.26996},{"sentences":[{"text":"Would that kind of make you feel really concerned?","start":672.49,"end":674.67,"sentiment":"negative","sentiment_score":-0.4523218539026048},{"text":"How would you feel in that instance?","start":674.73,"end":676.26996,"sentiment":"neutral","sentiment_score":-0.2110928956951414},{"text":"Yeah.","start":678.25,"end":678.73,"sentiment":"neutral","sentiment_score":0.2099115252494812},{"text":"So reducing the risk level now, and we like to do it a little bit out from when you run or retire.","start":678.73,"end":683.20496,"sentiment":"neutral","sentiment_score":0.1457103436643427},{"text":"So we do things in increments.","start":683.20496,"end":684.725,"sentiment":"neutral","sentiment_score":0.13355349749326706}],"sentiment":"neutral","sentiment_score":-0.029593041870329115,"num_words":45,"start":672.49,"end":684.725},{"sentences":[{"text":"We would normally start to do it in more in more slower increments, like 10% increments, but we're doing it a bit more drastically because you're only sort of four years out from retirement at the worst case.","start":684.725,"end":695.785,"sentiment":"neutral","sentiment_score":-0.041700205814681555},{"text":"So with what you sort of mentioned you wanted to when you wanted to retire and start working, so being able to drop from that gross to balance is probably a little bit more drastic than what we would normally expect.","start":696.48,"end":707.86,"sentiment":"neutral","sentiment_score":-0.2997781616158602},{"text":"If you wanted to, I could always look at going halfway and showing you what the growth portfolio you know, if we moved you from that growth portfolio now into more of a balanced growth environment.","start":707.92,"end":717.845,"sentiment":"neutral","sentiment_score":-0.09510000908954276},{"text":"And that's only a 10% drop.","start":717.845,"end":719.685,"sentiment":"neutral","sentiment_score":-0.15162569532791773},{"text":"That's going from 80% in those growth investments to only 70%.","start":719.685,"end":724.38,"sentiment":"neutral","sentiment_score":-0.11824166639284654}],"sentiment":"neutral","sentiment_score":-0.14779943391454942,"num_words":132,"start":684.725,"end":724.38},{"sentences":[{"text":"And we can look at this incrementally moving it down each year if you would like to.","start":724.38,"end":729.04,"sentiment":"neutral","sentiment_score":-0.059430803227074},{"text":"Yeah.","start":730.62,"end":731.12,"sentiment":"neutral","sentiment_score":-0.015119061805307863},{"text":"Yeah.","start":731.5,"end":731.89996,"sentiment":"neutral","sentiment_score":0.11386141180992126},{"text":"Absolutely.","start":731.89996,"end":732.39996,"sentiment":"positive","sentiment_score":0.3771489262580872},{"text":"Not a problem.","start":732.94,"end":733.57996,"sentiment":"positive","sentiment_score":0.4248751401901245}],"sentiment":"neutral","sentiment_score":0.03218230617273113,"num_words":23,"start":724.38,"end":733.57996},{"sentences":[{"text":"So more of that balanced growth environment for the new advice piece?","start":733.57996,"end":737.51996,"sentiment":"positive","sentiment_score":0.42784879853328067},{"text":"Sure can.","start":737.685,"end":740.185,"sentiment":"neutral","sentiment_score":0.23982860147953033},{"text":"Reduce risk.","start":740.245,"end":741.305,"sentiment":"neutral","sentiment_score":0.08428122848272324},{"text":"Yes.","start":742.165,"end":742.665,"sentiment":"neutral","sentiment_score":0.052824825048446655},{"text":"That's okay.","start":743.365,"end":744.105,"sentiment":"neutral","sentiment_score":0.17239470779895782}],"sentiment":"neutral","sentiment_score":0.325264183314223,"num_words":19,"start":733.57996,"end":744.105},{"sentences":[{"text":"So with yeah.","start":752.165,"end":754.65,"sentiment":"neutral","sentiment_score":0.09204735482732455},{"text":"Absolutely.","start":754.65,"end":755.15,"sentiment":"neutral","sentiment_score":0.23177288472652435},{"text":"So when we have a look at the the projected outcome, we looked at age 65 and 67, and we were looking at because your balance yes.","start":755.37,"end":773.625,"sentiment":"neutral","sentiment_score":0.03982623183616885},{"text":"So in your current portfolio in the growth environment, in the next two years, the projected outcome was to be a 175.","start":773.625,"end":782.445,"sentiment":"neutral","sentiment_score":0.03624101787466894},{"text":"With reducing your risk yeah.","start":782.96,"end":785.44,"sentiment":"neutral","sentiment_score":-0.08016655780375004}],"sentiment":"neutral","sentiment_score":0.034132634707052134,"num_words":58,"start":752.165,"end":785.44},{"sentences":[{"text":"So with reducing risk, are you looking at the document on page 21 there?","start":785.44,"end":789.54004,"sentiment":"neutral","sentiment_score":0.008969772740134172},{"text":"Yeah.","start":791.04004,"end":791.36,"sentiment":"neutral","sentiment_score":0.1311257928609848},{"text":"Beautiful.","start":791.36,"end":791.86,"sentiment":"positive","sentiment_score":0.5394655466079712},{"text":"If you have a look, so the current column of that projection table is basically if you were to stay in your current portfolio with the current balance, and it was to obtain that 11.24% over the next two to four years below that, that's the projected outcome of where you could end up.","start":791.92004,"end":808.495,"sentiment":"neutral","sentiment_score":0.1596348474699038},{"text":"With the recommended, we were moving into a balanced portfolio, so reducing your risk level.","start":809.115,"end":814.17,"sentiment":"neutral","sentiment_score":0.18701469600200654}],"sentiment":"neutral","sentiment_score":0.14378435719100868,"num_words":85,"start":785.44,"end":814.17},{"sentences":[{"text":"The balanced portfolio had averaged about 9.73%.","start":814.23,"end":818.49,"sentiment":"neutral","sentiment_score":0.0730633834110839},{"text":"So it sort of meant that in the next two years, if the portfolio was able to achieve that return, you could end up with a 164,000 or over the next four years, a 187,000 there as well.","start":818.63,"end":830.365,"sentiment":"positive","sentiment_score":0.42554880090449987},{"text":"Yep.","start":833.065,"end":833.565,"sentiment":"neutral","sentiment_score":0.012557907029986382},{"text":"Mhmm.","start":835.70496,"end":836.20496,"sentiment":"neutral","sentiment_score":-0.008318775333464146},{"text":"If you were to leave it the same, yeah, if you were to leave it the same, that's where you could end up.","start":839.55,"end":843.79,"sentiment":"neutral","sentiment_score":0.08595344958745915}],"sentiment":"neutral","sentiment_score":0.26662095129223806,"num_words":70,"start":814.23,"end":843.79},{"sentences":[{"text":"That's in the higher risk portfolio, obviously, hoping to get the greater returns.","start":843.79,"end":848.37,"sentiment":"neutral","sentiment_score":0.11509855091571808},{"text":"There's no guarantees that you will get 11%.","start":848.99,"end":851.535,"sentiment":"neutral","sentiment_score":-0.15629733074456453},{"text":"So a projection table is just projected on where you could be in the next two to four years if you got the same market conditions, if we could get the same return.","start":851.615,"end":860.675,"sentiment":"neutral","sentiment_score":0.19504825928897568},{"text":"The biggest thing with projection tables is that when we look at investments and returns, we have to use past data.","start":861.055,"end":868.11,"sentiment":"neutral","sentiment_score":0.05382314696907997},{"text":"But past data doesn't mean that you're going to get the same return over the next couple of years.","start":868.17,"end":873.93,"sentiment":"neutral","sentiment_score":-0.03225475647731831}],"sentiment":"neutral","sentiment_score":0.07659511474218775,"num_words":94,"start":843.79,"end":873.93},{"sentences":[{"text":"It just sort of shows us what investments have or how they have performed, what investments have done well over the past, and when we look the volatility.","start":873.93,"end":882.095,"sentiment":"neutral","sentiment_score":0.03418244354959045},{"text":"So when we look at the last five years, what kind of market ups and downs have we seen?","start":882.235,"end":886.65497,"sentiment":"neutral","sentiment_score":-0.09542717667002427},{"text":"Because we have seen a lot of ups and downs over the past couple of years.","start":887.27496,"end":890.975,"sentiment":"neutral","sentiment_score":-0.10692466236650944},{"text":"Yeah.","start":891.115,"end":891.615,"sentiment":"neutral","sentiment_score":0.061032138764858246},{"text":"And so if a portfolio can go through the last five years and still average 11% return, then moving forward, depending on what kind of ups and downs we see, that portfolio can still obtain that same return.","start":891.915,"end":904.37,"sentiment":"neutral","sentiment_score":0.1424378402727215}],"sentiment":"neutral","sentiment_score":0.0284987013129627,"num_words":102,"start":873.93,"end":904.37},{"sentences":[{"text":"Not guaranteed to, but could.","start":904.58997,"end":906.52997,"sentiment":"neutral","sentiment_score":-0.1435996800661087},{"text":"So that's how we utilize past data to look at returns, hoping to make sure it reflects the future.","start":906.67,"end":912.085,"sentiment":"neutral","sentiment_score":0.07984220942384318},{"text":"We're hoping that it reflects the future, but it's not always guaranteed.","start":912.085,"end":915.22504,"sentiment":"neutral","sentiment_score":0.012231438110272089},{"text":"So we like to sort of say projection tables are just where you're tracking based on the information we have from the past.","start":915.36505,"end":924.005,"sentiment":"neutral","sentiment_score":0.1477954514000727},{"text":"If the portfolio was able to get the same returns as what it has, this is where you could end up.","start":924.005,"end":929.77,"sentiment":"neutral","sentiment_score":0.2957306458126931}],"sentiment":"neutral","sentiment_score":0.1319427472539246,"num_words":80,"start":904.58997,"end":929.77},{"sentences":[{"text":"If you're in the document, if you go to page 34 for me, this is a secondary projection table.","start":930.15,"end":936.73,"sentiment":"neutral","sentiment_score":-0.011127065499558261},{"text":"Yeah.","start":943.98505,"end":944.48505,"sentiment":"neutral","sentiment_score":-0.27955490350723267},{"text":"It is.","start":945.265,"end":945.825,"sentiment":"neutral","sentiment_score":-0.09530569612979889},{"text":"It's okay.","start":945.825,"end":946.565,"sentiment":"neutral","sentiment_score":-0.07975610718131065},{"text":"We can always do it slower if you wanted to.","start":946.945,"end":948.945,"sentiment":"neutral","sentiment_score":-0.26950677037239074}],"sentiment":"neutral","sentiment_score":-0.10400471936308724,"num_words":34,"start":930.15,"end":948.945},{"sentences":[{"text":"I could always look at just doing the investment switch first, and then we come back and look at the TTR down the track if you would like to.","start":948.945,"end":956.01,"sentiment":"neutral","sentiment_score":0.01617905176405249},{"text":"Yep.","start":959.67,"end":960.17,"sentiment":"neutral","sentiment_score":0.16324228048324585},{"text":"Yep.","start":960.70996,"end":961.20996,"sentiment":"neutral","sentiment_score":0.1610739827156067},{"text":"The other side you're right.","start":961.43,"end":963.85,"sentiment":"neutral","sentiment_score":0.10555443763732911},{"text":"Well, that's that's reducing your risk level and changing the investments.","start":967.965,"end":971.42505,"sentiment":"neutral","sentiment_score":0.15549026226455515}],"sentiment":"neutral","sentiment_score":0.06450369866921547,"num_words":47,"start":948.945,"end":971.42505},{"sentences":[{"text":"Yeah.","start":972.60504,"end":973.10504,"sentiment":"neutral","sentiment_score":0.14419636130332947},{"text":"Yeah.","start":976.36505,"end":976.685,"sentiment":"neutral","sentiment_score":0.21947649121284485},{"text":"So we're reducing your risk to 10%.","start":976.685,"end":979.005,"sentiment":"neutral","sentiment_score":0.20303515664168767},{"text":"So we're going from the growth environment that you're in now, which is 80% in those high risk investments, to the balanced growth environment.","start":979.005,"end":987.27,"sentiment":"neutral","sentiment_score":0.1670818068087101},{"text":"So we're stepping down one step and having 70% there.","start":987.33,"end":991.25,"sentiment":"neutral","sentiment_score":0.14379835575819017}],"sentiment":"neutral","sentiment_score":0.16820618302323098,"num_words":43,"start":972.60504,"end":991.25},{"sentences":[{"text":"But that's what it's called.","start":991.25,"end":992.20996,"sentiment":"neutral","sentiment_score":0.09109825938940048},{"text":"It's called an investment switch because we have to change the investments within your portfolio so that they are in that level.","start":992.20996,"end":998.025,"sentiment":"neutral","sentiment_score":0.07356955602087757},{"text":"Yeah.","start":1000.42505,"end":1000.92505,"sentiment":"neutral","sentiment_score":0.16560807824134827},{"text":"Beautiful.","start":1004.10504,"end":1004.60504,"sentiment":"positive","sentiment_score":0.4367579817771912},{"text":"Yeah.","start":1006.505,"end":1006.905,"sentiment":"neutral","sentiment_score":0.12912854552268982}],"sentiment":"neutral","sentiment_score":0.09351720449825128,"num_words":30,"start":991.25,"end":1006.905},{"sentences":[{"text":"So this is a secondary projection table, and this was in there under that transition retirement strategy.","start":1006.905,"end":1012.22,"sentiment":"neutral","sentiment_score":0.12224984694929684},{"text":"So remember we talked about going through the investment changes, reducing your risk level, moving you into that balanced portfolio, and then we went through that difference in the transition retirement strategy where you're putting more money into your super funds and drawing a little bit out to replenish your income.","start":1012.22,"end":1028.5751,"sentiment":"neutral","sentiment_score":0.20598244272610722},{"text":"This table shows you if you were to follow that strategy and still get that 9.73% from, say, the five last five well, that balanced portfolio because we've been able to perform that 9.73 over the past five years averaged.","start":1029.355,"end":1044.11,"sentiment":"neutral","sentiment_score":0.30685007236897943},{"text":"The recommended underneath that shows that in the next two to four years, you could end up with a 170,000 or a 197,000.","start":1044.65,"end":1052.03,"sentiment":"neutral","sentiment_score":0.25133051407401974},{"text":"So that TTR strategy by putting more money into super whilst you are drawing a little bit out to replenish your income, it means that you've got more money in that super system.","start":1052.055,"end":1062.535,"sentiment":"positive","sentiment_score":0.47373816912824457}],"sentiment":"neutral","sentiment_score":0.28214217241989764,"num_words":164,"start":1006.905,"end":1062.535},{"sentences":[{"text":"So it closes the gap a little bit that was created by reducing the risk level.","start":1062.535,"end":1066.92,"sentiment":"neutral","sentiment_score":0.3321473393589258},{"text":"Yeah.","start":1070.4401,"end":1070.9401,"sentiment":"neutral","sentiment_score":0.1992291510105133},{"text":"That's correct.","start":1078.28,"end":1079.18,"sentiment":"neutral","sentiment_score":0.29648105800151825},{"text":"Yeah.","start":1079.445,"end":1079.6849,"sentiment":"neutral","sentiment_score":0.14721807837486267},{"text":"So if you go up for me sorry.","start":1079.6849,"end":1083.1449,"sentiment":"neutral","sentiment_score":0.0797866489738226}],"sentiment":"neutral","sentiment_score":0.24614499881863594,"num_words":28,"start":1062.535,"end":1083.1449},{"sentences":[{"text":"I'll just take you back to yeah.","start":1084.005,"end":1086.6449,"sentiment":"neutral","sentiment_score":0.034254844832633226},{"text":"No.","start":1086.6449,"end":1086.8049,"sentiment":"neutral","sentiment_score":-0.03313371166586876},{"text":"That's okay.","start":1086.8049,"end":1087.445,"sentiment":"neutral","sentiment_score":0.06670435145497322},{"text":"If you go back up for me to page number 27, I'll show you how this was to look, and I can go back and always update the figures.","start":1087.445,"end":1097.63,"sentiment":"neutral","sentiment_score":0.09953887066964445},{"text":"That's okay.","start":1097.63,"end":1098.45,"sentiment":"neutral","sentiment_score":0.09400203451514244}],"sentiment":"neutral","sentiment_score":0.08328512740298742,"num_words":41,"start":1084.005,"end":1098.45},{"sentences":[{"text":"But yes.","start":1099.95,"end":1101.89,"sentiment":"neutral","sentiment_score":0.06521438527852297},{"text":"So based on your income of 65,115, Currently, you've got no salary sacrifice going into super.","start":1102.27,"end":1110.755,"sentiment":"neutral","sentiment_score":0.029427834320813417},{"text":"You've got money going elsewhere, but nothing going into super.","start":1110.755,"end":1113.635,"sentiment":"neutral","sentiment_score":0.018607335910201073},{"text":"So it's just your employer contributions.","start":1113.635,"end":1115.4149,"sentiment":"neutral","sentiment_score":0.08747881650924683},{"text":"Under your current scenario, your salary is 65,115 with no current salary sacrifice in the super.","start":1116.195,"end":1118.375,"sentiment":"neutral","sentiment_score":0.033312042243778706}],"sentiment":"neutral","sentiment_score":0.03690426107496023,"num_words":50,"start":1099.95,"end":1118.375},{"sentences":[{"text":"With five.","start":1118.4349,"end":1126.52,"sentiment":"neutral","sentiment_score":0.053526489064097404},{"text":"Then you pay income tax.","start":1127.46,"end":1129.54,"sentiment":"neutral","sentiment_score":0.049242212623357776},{"text":"So within the tax bracket, say, 30% tax bracket, you're also paying income tax.","start":1129.54,"end":1132.748,"sentiment":"neutral","sentiment_score":0.10933995459760938},{"text":"The estimated income tax on income tax.","start":1132.748,"end":1134.815,"sentiment":"neutral","sentiment_score":0.050660294613667896},{"text":"The estimated income tax on your income is 11,601 for the year.","start":1135.0349,"end":1140.495,"sentiment":"neutral","sentiment_score":0.08006437433262666}],"sentiment":"neutral","sentiment_score":0.07998544899746776,"num_words":40,"start":1118.4349,"end":1140.495},{"sentences":[{"text":"That then means your net income, so your take home pay after income tax is 50 $3,006.04.","start":1140.715,"end":1148.815,"sentiment":"neutral","sentiment_score":0.0866604184403139},{"text":"The way a TTR strategy works is that you start with your proposed on the proposed side there, $65,001.01 5, then we increase your salary sacrifice.","start":1149.5801,"end":1160.2201,"sentiment":"neutral","sentiment_score":0.18814804834815171},{"text":"So for the year, it's 20,200, and that pay per week is $388.46.","start":1160.2201,"end":1168.655,"sentiment":"neutral","sentiment_score":0.2205133575659532},{"text":"That then reduces your your gross pay because salary sacrifice, that money goes into super from your pre tax income.","start":1169.995,"end":1177.6,"sentiment":"neutral","sentiment_score":0.17070522494614124},{"text":"That then reduces your taxable income, this is gross, to 44,915.","start":1177.98,"end":1185.28,"sentiment":"neutral","sentiment_score":0.1400301314213059}],"sentiment":"neutral","sentiment_score":0.16305960877530876,"num_words":87,"start":1140.715,"end":1185.28},{"sentences":[{"text":"Then your employer pays income tax on that.","start":1185.8201,"end":1188.86,"sentiment":"neutral","sentiment_score":0.07402734027709812},{"text":"They only pay income tax at 4,843.","start":1188.86,"end":1193.465,"sentiment":"neutral","sentiment_score":0.015021306595632009},{"text":"That reduces your net income down to $40,072.","start":1194.085,"end":1199.205,"sentiment":"neutral","sentiment_score":0.09892882965505123},{"text":"And because your take home pay should be $53,005.01 4, we then just draw a little bit out of super.","start":1199.205,"end":1206.56,"sentiment":"neutral","sentiment_score":0.11690902151167393},{"text":"So we draw $13,004.04 1 out to bring your take home pay back up to about the same.","start":1206.86,"end":1212.8,"sentiment":"neutral","sentiment_score":0.16136109539204174}],"sentiment":"neutral","sentiment_score":0.11035210906421064,"num_words":61,"start":1185.8201,"end":1212.8},{"sentences":[{"text":"So that with pension withdrawal is how much comes out of the super system to be able to replenish your income.","start":1215.18,"end":1222.245,"sentiment":"neutral","sentiment_score":0.3329550999970663},{"text":"Yes.","start":1225.265,"end":1225.765,"sentiment":"neutral","sentiment_score":0.0852518230676651},{"text":"Yep.","start":1229.105,"end":1229.4,"sentiment":"neutral","sentiment_score":0.04693753644824028},{"text":"That's okay.","start":1235.4,"end":1236.22,"sentiment":"neutral","sentiment_score":-0.05769961699843407},{"text":"No.","start":1238.92,"end":1239.16,"sentiment":"negative","sentiment_score":-0.4634999632835388}],"sentiment":"neutral","sentiment_score":0.25174412546822655,"num_words":26,"start":1215.18,"end":1239.16},{"sentences":[{"text":"It's absolutely not.","start":1239.16,"end":1240.2001,"sentiment":"negative","sentiment_score":-0.500905454158783},{"text":"So this would sort of work the way it is now.","start":1240.2001,"end":1242.84,"sentiment":"neutral","sentiment_score":-0.1204109476371245},{"text":"And every year, we'd reevaluate your income and roll that money back into super into accumulation.","start":1242.84,"end":1249.155,"sentiment":"neutral","sentiment_score":-0.007573177106678486},{"text":"So the super system has different super accounts.","start":1249.375,"end":1254.195,"sentiment":"neutral","sentiment_score":0.056188690941780806},{"text":"So you think of your super as it is now.","start":1254.495,"end":1257.375,"sentiment":"neutral","sentiment_score":0.13806129507720472}],"sentiment":"neutral","sentiment_score":-0.023297607122610014,"num_words":48,"start":1239.16,"end":1257.375},{"sentences":[{"text":"You're in the accumulation phase because you're accumulating wealth for retirement.","start":1257.375,"end":1261.37,"sentiment":"neutral","sentiment_score":0.170283629135652},{"text":"The sorry.","start":1261.99,"end":1263.11,"sentiment":"neutral","sentiment_score":0.02319391630589962},{"text":"Transition retirement pension account is one type of pension account.","start":1263.11,"end":1267.0299,"sentiment":"neutral","sentiment_score":0.02010367512702942},{"text":"It is a transition pension account and is set up so that you can build income or transition into that retirement phase.","start":1267.0299,"end":1274.415,"sentiment":"neutral","sentiment_score":0.09994300759651444},{"text":"Some people might use it for as an example, my mom uses it because she's dropped her hours, so she uses it to transition into the pension phase and start to draw a bit of income out to keep her income the same.","start":1275.375,"end":1286.735,"sentiment":"neutral","sentiment_score":0.060406993641409765}],"sentiment":"neutral","sentiment_score":0.07859990225088867,"num_words":88,"start":1257.375,"end":1286.735},{"sentences":[{"text":"So yeah.","start":1286.735,"end":1288.63,"sentiment":"neutral","sentiment_score":0.018645668402314186},{"text":"Yep.","start":1288.63,"end":1288.9501,"sentiment":"neutral","sentiment_score":0.07621269673109055},{"text":"So she can drop hours.","start":1288.9501,"end":1290.0701,"sentiment":"neutral","sentiment_score":0.03684608936309815},{"text":"And she went from full time to part time work, but kept her income the same by pulling money out of the super system.","start":1290.0701,"end":1296.73,"sentiment":"neutral","sentiment_score":0.0150003875605762},{"text":"Yep.","start":1301.015,"end":1301.515,"sentiment":"neutral","sentiment_score":0.009316422045230864}],"sentiment":"neutral","sentiment_score":0.020213945571220283,"num_words":33,"start":1286.735,"end":1301.515},{"sentences":[{"text":"Yep.","start":1302.455,"end":1302.955,"sentiment":"neutral","sentiment_score":-0.06069030612707138},{"text":"And we can still do that.","start":1303.655,"end":1305.115,"sentiment":"neutral","sentiment_score":0.052292611449956894},{"text":"Yeah.","start":1305.255,"end":1305.575,"sentiment":"neutral","sentiment_score":0.1886318176984787},{"text":"We can still definitely do that.","start":1305.575,"end":1307.095,"sentiment":"neutral","sentiment_score":0.29796332369248074},{"text":"So what what a lot of people do at the moment is when they're still working full time, they utilize this sort of strategy as a way to put more into super, but you get the advantage of it being a bit more tax advantaged for you.","start":1307.095,"end":1319.7799,"sentiment":"neutral","sentiment_score":0.21812425744026265}],"sentiment":"neutral","sentiment_score":0.20461175773964554,"num_words":61,"start":1302.455,"end":1319.7799},{"sentences":[{"text":"So you're putting more money into the super system to boost your retirement.","start":1320.1599,"end":1323.94,"sentiment":"positive","sentiment_score":0.59508782854447},{"text":"But because you still have a lot of bills and expenditure, we use that transition to retirement pension account to bring some money out to keep your take home pay the same.","start":1324.3999,"end":1333.6951,"sentiment":"positive","sentiment_score":0.5215395074337721},{"text":"Whilst you're still doing the full amount of full time hours, you know, you you no change to work.","start":1333.6951,"end":1338.755,"sentiment":"neutral","sentiment_score":0.11597334122971485},{"text":"When you get to 65, if you then decide you want to replenish your income but drop hours, once you hit 65, you don't have to have the condition of release to stop working.","start":1339.055,"end":1352.1901,"sentiment":"neutral","sentiment_score":0.10571525717044578},{"text":"At 65, regardless of whether you're working or not, you can have access to all of your money.","start":1352.1901,"end":1358.3049,"sentiment":"positive","sentiment_score":0.3869735772411029}],"sentiment":"neutral","sentiment_score":0.3205926088487794,"num_words":116,"start":1320.1599,"end":1358.3049},{"sentences":[{"text":"So at, say, 60 four six all of your super, completely tax free.","start":1358.605,"end":1363.1849,"sentiment":"neutral","sentiment_score":0.3087399510236887},{"text":"60 5 is a condition of release regardless of whether you're working or not.","start":1363.325,"end":1367.2649,"sentiment":"neutral","sentiment_score":0.03364421706646681},{"text":"Before 65, you have to be over the age of 60 or preservation age and have the intention to stop working.","start":1367.325,"end":1374.2899,"sentiment":"neutral","sentiment_score":-0.08859187009788695},{"text":"Yes.","start":1376.99,"end":1377.49,"sentiment":"neutral","sentiment_score":0.1906079351902008},{"text":"Absolutely.","start":1377.95,"end":1378.45,"sentiment":"neutral","sentiment_score":0.2535886764526367}],"sentiment":"neutral","sentiment_score":0.061368114836514,"num_words":50,"start":1358.605,"end":1378.45},{"sentences":[{"text":"Absolutely.","start":1380.4299,"end":1380.9299,"sentiment":"neutral","sentiment_score":0.15348802506923676},{"text":"But, say, 65, if you decide you wanna drop from five days to say four days of work.","start":1381.23,"end":1386.245,"sentiment":"neutral","sentiment_score":0.006779267349176937},{"text":"We just work out what your income is.","start":1386.2649,"end":1388.885,"sentiment":"neutral","sentiment_score":0.12393481098115444},{"text":"We can roll everything back into the accumulation phase.","start":1388.945,"end":1392.3049,"sentiment":"neutral","sentiment_score":0.17898769345548418},{"text":"We can reopen a separate pension account again so you have we basically do it's called a refresh.","start":1392.3049,"end":1397.76,"sentiment":"neutral","sentiment_score":0.21664354826013246}],"sentiment":"neutral","sentiment_score":0.1255086376849148,"num_words":54,"start":1380.4299,"end":1397.76},{"sentences":[{"text":"So you roll your pension back into accumulation, put it all back together again, and then roll some more money back into that pension.","start":1397.84,"end":1404.64,"sentiment":"neutral","sentiment_score":0.23056484820942083},{"text":"You still keep your accumulation phase open here because you're still working.","start":1404.64,"end":1408.08,"sentiment":"positive","sentiment_score":0.34809691458940506},{"text":"You want somewhere for your contributions to go, But then we can access the additional funds to say if you're earning $600 a week, and that one day means that you need to draw a $100 a week out of your pension account to keep your income the same, we can do that.","start":1408.08,"end":1423.78,"sentiment":"neutral","sentiment_score":0.22314574274252047},{"text":"We can set that up.","start":1423.78,"end":1424.66,"sentiment":"neutral","sentiment_score":0.3183337926864624},{"text":"So a $100 every week is drawn out of your pension account and put into your bank account, so you're you're replenishing your income.","start":1424.66,"end":1432.36,"sentiment":"neutral","sentiment_score":0.2878219025830428}],"sentiment":"neutral","sentiment_score":0.2545494773125244,"num_words":118,"start":1397.84,"end":1432.36},{"sentences":[{"text":"That means you have the same amount to live on every week to pay your bills.","start":1432.66,"end":1436.525,"sentiment":"positive","sentiment_score":0.34000639617443085},{"text":"It's just coming from two two sources of income.","start":1436.525,"end":1439.505,"sentiment":"neutral","sentiment_score":0.15869708524809945},{"text":"One from your employer, the other one from a super system.","start":1439.725,"end":1442.945,"sentiment":"neutral","sentiment_score":0.07948716560548003},{"text":"Yeah.","start":1443.005,"end":1443.325,"sentiment":"neutral","sentiment_score":0.13644364476203918},{"text":"Does that make sense?","start":1443.325,"end":1444.465,"sentiment":"neutral","sentiment_score":0.14790192432701588}],"sentiment":"neutral","sentiment_score":0.2066045431647359,"num_words":41,"start":1432.66,"end":1444.465},{"sentences":[{"text":"It's a little bit there's a lot to it.","start":1445.965,"end":1447.805,"sentiment":"neutral","sentiment_score":-0.026382619308100805},{"text":"It's okay.","start":1447.805,"end":1448.545,"sentiment":"neutral","sentiment_score":0.06449507176876068},{"text":"Yeah.","start":1452.4,"end":1452.9,"sentiment":"neutral","sentiment_score":0.03039362095296383},{"text":"Yeah.","start":1454.88,"end":1455.38,"sentiment":"neutral","sentiment_score":0.08405578881502151},{"text":"Absolutely.","start":1456.4,"end":1456.9,"sentiment":"neutral","sentiment_score":0.32832008600234985}],"sentiment":"neutral","sentiment_score":0.023879718966782093,"num_words":14,"start":1445.965,"end":1456.9},{"sentences":[{"text":"Would you like me to go back and refresh the strategy to maybe reflect any changes and update that for you so we can go through it again?","start":1457.44,"end":1466.7949,"sentiment":"neutral","sentiment_score":0.25148026485528263},{"text":"Or would you like to just take it a bit slower and maybe just start with, you know, reducing your risk and switching the investments?","start":1466.7949,"end":1473.135,"sentiment":"neutral","sentiment_score":0.04212498143315315},{"text":"How would you like to move forward?","start":1473.195,"end":1474.715,"sentiment":"neutral","sentiment_score":0.1694358257310731},{"text":"Because we can go as fast or as slow as you would like, Sharon.","start":1474.715,"end":1482.3999,"sentiment":"neutral","sentiment_score":0.0355297378929598},{"text":"Yep.","start":1482.3999,"end":1482.7999,"sentiment":"neutral","sentiment_score":0.16431154310703278}],"sentiment":"neutral","sentiment_score":0.13256467474003633,"num_words":75,"start":1457.44,"end":1482.7999},{"sentences":[{"text":"Yep.","start":1482.7999,"end":1483.12,"sentiment":"neutral","sentiment_score":0.16874179244041443},{"text":"So we'll start by reducing your risk level in the portfolio, making some changes to the investments there.","start":1483.12,"end":1488.82,"sentiment":"neutral","sentiment_score":0.1521701965894964},{"text":"Do you wanna do that first, and then maybe in a couple of months, we come back and revisit that TTR strategy and sort of go through that again, or would you like me to do it as one document the same as I did last time?","start":1488.88,"end":1501.175,"sentiment":"neutral","sentiment_score":0.07931490864683972},{"text":"Yeah.","start":1502.4349,"end":1502.9349,"sentiment":"neutral","sentiment_score":0.05448190122842789},{"text":"What would you like?","start":1502.995,"end":1504.215,"sentiment":"neutral","sentiment_score":0.034966745879501104}],"sentiment":"neutral","sentiment_score":0.09619654819998942,"num_words":71,"start":1482.7999,"end":1504.215},{"sentences":[{"text":"Yes.","start":1509.15,"end":1509.39,"sentiment":"neutral","sentiment_score":0.10303068906068802},{"text":"Yeah.","start":1509.39,"end":1509.71,"sentiment":"neutral","sentiment_score":0.09838852286338806},{"text":"So this advice document at the very top is about the reducing of the risk, and it's about changing your investment strategy.","start":1509.71,"end":1516.69,"sentiment":"neutral","sentiment_score":0.11626756699247794},{"text":"So that's where the different strategies come into play.","start":1516.755,"end":1519.8151,"sentiment":"neutral","sentiment_score":0.10302550097306569},{"text":"So if I can if it's okay, if you can scroll up for me again just so I can make sure that you're fully getting it, to page number eight.","start":1519.875,"end":1530.2,"sentiment":"neutral","sentiment_score":0.07139139560361703}],"sentiment":"neutral","sentiment_score":0.09251233432737607,"num_words":63,"start":1509.15,"end":1530.2},{"sentences":[{"text":"Yeah.","start":1532.02,"end":1532.4199,"sentiment":"neutral","sentiment_score":0.057461097836494446},{"text":"On the bottom of that page, it has a a table, and it says our advice to you.","start":1532.4199,"end":1537.48,"sentiment":"neutral","sentiment_score":0.066227945809563},{"text":"That's okay.","start":1548.515,"end":1549.1749,"sentiment":"neutral","sentiment_score":0.09404392912983894},{"text":"Yeah.","start":1551.715,"end":1552.035,"sentiment":"neutral","sentiment_score":0.10892252624034882},{"text":"So you'll see the table there.","start":1552.035,"end":1553.875,"sentiment":"neutral","sentiment_score":0.08369476969043414}],"sentiment":"neutral","sentiment_score":0.07316939732325929,"num_words":28,"start":1532.02,"end":1553.875},{"sentences":[{"text":"Right?","start":1553.875,"end":1554.375,"sentiment":"neutral","sentiment_score":0.0678548812866211},{"text":"The different strategies are the different areas.","start":1554.915,"end":1557.46,"sentiment":"neutral","sentiment_score":0.06685856782964297},{"text":"So the first strategy where it says, Sharon, retain your Netwealth Superfund and change your underlying investments.","start":1557.46,"end":1562.5,"sentiment":"neutral","sentiment_score":0.0569916398209684},{"text":"That strategy there, when you go down and read the strategy through, it's about retaining your Netwealth Superfund, changing your underlying investment.","start":1562.5,"end":1571.975,"sentiment":"neutral","sentiment_score":0.07381007210774855},{"text":"So we're reducing your risk from that growth portfolio to the balanced portfolio.","start":1571.975,"end":1575.995,"sentiment":"neutral","sentiment_score":0.13395994958969262}],"sentiment":"neutral","sentiment_score":0.08116706106811762,"num_words":60,"start":1553.875,"end":1575.995},{"sentences":[{"text":"And because we to do that, we actually have to switch your investments.","start":1576.135,"end":1579.675,"sentiment":"neutral","sentiment_score":0.10476662849004452},{"text":"We have to sell some, buy some other ones.","start":1579.735,"end":1582.395,"sentiment":"neutral","sentiment_score":0.04940947062439389},{"text":"We also did find that in your portfolio, there was some underperforming investments.","start":1582.615,"end":1587.06,"sentiment":"neutral","sentiment_score":0.02023217511864809},{"text":"So we want kinda wanted to switch those out and change the portfolio for you.","start":1587.06,"end":1591.48,"sentiment":"neutral","sentiment_score":0.04289774720867475},{"text":"If you go down now for me to page number 18, I'm sorry to kind of move you up and down a little bit.","start":1591.86,"end":1596.66,"sentiment":"neutral","sentiment_score":-0.01777691374688099}],"sentiment":"neutral","sentiment_score":0.030898512982939545,"num_words":74,"start":1576.135,"end":1596.66},{"sentences":[{"text":"Just wanna make sure I can do it.","start":1596.66,"end":1598.42,"sentiment":"neutral","sentiment_score":-0.0005749526899307966},{"text":"18.","start":1598.42,"end":1598.92,"sentiment":"neutral","sentiment_score":0.0003974149003624916},{"text":"Yeah.","start":1599.54,"end":1600.04,"sentiment":"neutral","sentiment_score":0.01931694895029068},{"text":"Just so you can see what that looks like.","start":1600.5,"end":1602.655,"sentiment":"neutral","sentiment_score":0.03257635194394323},{"text":"Sorry to move you around a little bit.","start":1603.115,"end":1604.715,"sentiment":"neutral","sentiment_score":-0.04542137845419347}],"sentiment":"neutral","sentiment_score":-0.0020395969558093282,"num_words":27,"start":1596.66,"end":1604.715},{"sentences":[{"text":"Just trying to sort of maneuver it so that it makes it easier on you.","start":1604.715,"end":1607.855,"sentiment":"neutral","sentiment_score":0.0785533390318354},{"text":"Yeah.","start":1608.315,"end":1608.815,"sentiment":"neutral","sentiment_score":0.1743654906749725},{"text":"That's good.","start":1610.875,"end":1611.615,"sentiment":"neutral","sentiment_score":0.29411494731903076},{"text":"Yeah.","start":1613.675,"end":1614.175,"sentiment":"neutral","sentiment_score":0.1134192943572998},{"text":"That's okay.","start":1614.27,"end":1615.09,"sentiment":"neutral","sentiment_score":0.24655160307884216}],"sentiment":"neutral","sentiment_score":0.12130561768121663,"num_words":21,"start":1604.715,"end":1615.09},{"sentences":[{"text":"That's that's all good, honestly.","start":1616.75,"end":1618.4501,"sentiment":"positive","sentiment_score":0.5303018748760223},{"text":"It's all okay.","start":1620.03,"end":1621.09,"sentiment":"positive","sentiment_score":0.40345712502797443},{"text":"Beautiful.","start":1623.9501,"end":1624.43,"sentiment":"positive","sentiment_score":0.4831199645996094},{"text":"So the heading on this one is the investment.","start":1624.43,"end":1626.37,"sentiment":"neutral","sentiment_score":0.11856078025367525},{"text":"So in order to move you and change your risk level in your portfolio, we actually have to buy and sell investments so that you're when we complete the investment switch, you're in a lower risk portfolio, but you hold the weighting that you need to have.","start":1626.59,"end":1640.615,"sentiment":"neutral","sentiment_score":0.10246049335345309}],"sentiment":"neutral","sentiment_score":0.15734909113783102,"num_words":65,"start":1616.75,"end":1640.615},{"sentences":[{"text":"So in order to move you from that growth to that balanced portfolio, we needed to buy more physical gold to sort of break this down.","start":1640.8351,"end":1649.37,"sentiment":"neutral","sentiment_score":0.05911187798931049},{"text":"The first heading is Global X physical gold.","start":1649.59,"end":1652.73,"sentiment":"neutral","sentiment_score":0.059043570421636105},{"text":"The second column is your current weighting.","start":1653.1901,"end":1655.43,"sentiment":"neutral","sentiment_score":0.055063181689807346},{"text":"So how much of that investment you have in your super fund right now?","start":1655.43,"end":1659.29,"sentiment":"neutral","sentiment_score":0.058695584003414424},{"text":"At the moment, you have 9.21% of that investment in your portfolio.","start":1659.675,"end":1664.655,"sentiment":"neutral","sentiment_score":0.051767540940394006}],"sentiment":"neutral","sentiment_score":0.057278333287408105,"num_words":67,"start":1640.8351,"end":1664.655},{"sentences":[{"text":"We wanna hold in the balanced portfolio, we wanna hold 10% of that investment.","start":1665.435,"end":1670.4751,"sentiment":"neutral","sentiment_score":0.025489655190280507},{"text":"That's the second last column, the target weight.","start":1670.4751,"end":1673.2151,"sentiment":"neutral","sentiment_score":0.028443045681342483},{"text":"So in order to get you to 10%, we would need to buy, and you'll see the green column.","start":1673.8351,"end":1679.39,"sentiment":"neutral","sentiment_score":0.02168619230781731},{"text":"We need to buy 1 $1,317.61 of physical gold to get you to 10%.","start":1680.33,"end":1688.6699,"sentiment":"neutral","sentiment_score":0.03131906954305513},{"text":"So you hold 14,270 in your portfolio based on the the balance we had in here.","start":1688.715,"end":1697.9349,"sentiment":"neutral","sentiment_score":0.03598698228597641}],"sentiment":"neutral","sentiment_score":0.028319660311853383,"num_words":71,"start":1665.435,"end":1697.9349},{"sentences":[{"text":"Okay?","start":1697.995,"end":1698.315,"sentiment":"neutral","sentiment_score":0.031364116817712784},{"text":"Does that make sense?","start":1698.315,"end":1699.375,"sentiment":"neutral","sentiment_score":0.03152662422508001},{"text":"Yep.","start":1700.5549,"end":1701.0549,"sentiment":"neutral","sentiment_score":0.051332347095012665},{"text":"With the a 200, that investment is tracking the top two hundred hundred to make sure you only have 10% weighting of that investment.","start":1701.275,"end":1720.945,"sentiment":"neutral","sentiment_score":0.0019260145879040162},{"text":"And that's because the a 200, while it's tracking the top 200 companies on the ASX, is a growth investment.","start":1721.245,"end":1727.025,"sentiment":"neutral","sentiment_score":-0.07418071888387204}],"sentiment":"neutral","sentiment_score":-0.024571741335093975,"num_words":50,"start":1697.995,"end":1727.025},{"sentences":[{"text":"That is one of the ones that goes up and down.","start":1727.405,"end":1729.405,"sentiment":"neutral","sentiment_score":-0.1912059336900711},{"text":"That's like holding Australian companies in shares.","start":1729.405,"end":1731.905,"sentiment":"neutral","sentiment_score":-0.23873628037316458},{"text":"And that investment goes up and down quite drastically and can make us quite scared.","start":1732.3301,"end":1736.25,"sentiment":"negative","sentiment_score":-0.3423209031422933},{"text":"So it isn't a it's a growth investment.","start":1736.25,"end":1738.11,"sentiment":"neutral","sentiment_score":-0.18779262155294418},{"text":"So part of changing your risk profile is selling some of this growth investment to change your weighting to make sure you have less of that in your portfolio.","start":1738.25,"end":1747.3451,"sentiment":"neutral","sentiment_score":-0.13052186703887478}],"sentiment":"neutral","sentiment_score":-0.20281011281268937,"num_words":70,"start":1727.405,"end":1747.3451},{"sentences":[{"text":"Does that make sense?","start":1747.4851,"end":1748.625,"sentiment":"neutral","sentiment_score":-0.014031797647476196},{"text":"Yep.","start":1749.9651,"end":1750.4651,"sentiment":"neutral","sentiment_score":0.016916079446673393},{"text":"Beautiful.","start":1750.525,"end":1751.025,"sentiment":"neutral","sentiment_score":0.20346041023731232},{"text":"The Vanguard fixed interest, we wanted to remove that completely.","start":1751.7251,"end":1755.5851,"sentiment":"neutral","sentiment_score":-0.22882387042045593},{"text":"It is a good investment, but we wanted to just remove it out of there completely.","start":1755.645,"end":1759.38,"sentiment":"neutral","sentiment_score":-0.0986365838907659}],"sentiment":"neutral","sentiment_score":-0.1156929608550854,"num_words":32,"start":1747.4851,"end":1759.38},{"sentences":[{"text":"So we were selling all of that one down.","start":1759.54,"end":1761.72,"sentiment":"neutral","sentiment_score":-0.21401503019862705},{"text":"The cybersecurity, again, is a growth investment.","start":1763.3,"end":1765.8,"sentiment":"neutral","sentiment_score":-0.001162092068365642},{"text":"We wanted to keep that 5% of that was a a good amount in your new portfolio.","start":1765.86,"end":1770.04,"sentiment":"neutral","sentiment_score":0.1299127559451496},{"text":"So you had about zero 5.02%.","start":1770.82,"end":1774.015,"sentiment":"neutral","sentiment_score":0.07001468539237976},{"text":"So we only had to sell off about $75 to make sure you had 5% in there.","start":1774.015,"end":1779.0751,"sentiment":"neutral","sentiment_score":-0.017050286426263696}],"sentiment":"neutral","sentiment_score":0.007222860319805997,"num_words":56,"start":1759.54,"end":1779.0751},{"sentences":[{"text":"And Yeah.","start":1779.935,"end":1781.215,"sentiment":"neutral","sentiment_score":0.1086943969130516},{"text":"The iShares Europe investment, this is giving you access or exposure to all the European countries and all the ASX of the exchanges within those companies.","start":1781.215,"end":1791.8301,"sentiment":"neutral","sentiment_score":0.14432530133770063},{"text":"So their version of the ASX, essentially, the share market, you currently had 5.06%.","start":1791.8301,"end":1799.1901,"sentiment":"neutral","sentiment_score":0.09828105968024049},{"text":"We just had to buy $18 to increase your weight to 5% in a newer portfolio.","start":1799.1901,"end":1804.3049,"sentiment":"neutral","sentiment_score":0.11982145672664046},{"text":"So it was just about changing buying and selling investments so that your newer portfolio was weighted correctly.","start":1804.445,"end":1813.505,"sentiment":"neutral","sentiment_score":0.16409163497802284}],"sentiment":"neutral","sentiment_score":0.1344286079126361,"num_words":76,"start":1779.935,"end":1813.505},{"sentences":[{"text":"You had basically, when we look at a weighting target, we just wanna make sure you have the right percentage of that investment.","start":1814.205,"end":1820.2699,"sentiment":"neutral","sentiment_score":0.11728409904500713},{"text":"And when we buy and sell, we have to work out what percentage you need to hold, but then we actually tell Hub twenty four or Netwealth how much as a dollar figure needs to be bought or sold to keep you waiting correctly.","start":1821.0499,"end":1834.725,"sentiment":"neutral","sentiment_score":0.04184050557457588},{"text":"Does that make sense?","start":1835.105,"end":1836.165,"sentiment":"neutral","sentiment_score":0.06448712479323149},{"text":"Yeah.","start":1837.4249,"end":1837.9249,"sentiment":"neutral","sentiment_score":0.14889150857925415},{"text":"It's a lot.","start":1838.545,"end":1839.265,"sentiment":"neutral","sentiment_score":0.15298153460025787}],"sentiment":"neutral","sentiment_score":0.07205734846492608,"num_words":75,"start":1814.205,"end":1839.265},{"sentences":[{"text":"Do you have questions?","start":1839.265,"end":1840.225,"sentiment":"neutral","sentiment_score":0.05009269714355469},{"text":"You're allowed to let me know if you have more questions.","start":1840.225,"end":1842.885,"sentiment":"neutral","sentiment_score":0.05407607690854506},{"text":"Yep.","start":1850.3,"end":1850.8,"sentiment":"neutral","sentiment_score":0.005283286329358816},{"text":"That's okay.","start":1852.46,"end":1853.36,"sentiment":"neutral","sentiment_score":-0.02327517606317997},{"text":"But, realistically, what I because we've sort of gone through things and you kinda don't wanna reduce your risk as much into that balanced environment, do you want me to go back and just maybe look at the balanced growth so we're not stepping down so drastically, just stepping down those risk steps a little bit at a time, 10% at a time?","start":1853.8201,"end":1872.24,"sentiment":"neutral","sentiment_score":-0.10301684375320162}],"sentiment":"neutral","sentiment_score":-0.07081630355161098,"num_words":81,"start":1839.265,"end":1872.24},{"sentences":[{"text":"10 percent?","start":1874.5599,"end":1875.3,"sentiment":"neutral","sentiment_score":0.03306748438626528},{"text":"Absolutely.","start":1875.6799,"end":1876.1799,"sentiment":"neutral","sentiment_score":-0.09679119288921356},{"text":"No.","start":1877.44,"end":1877.84,"sentiment":"neutral","sentiment_score":-0.3030690550804138},{"text":"That's okay.","start":1877.84,"end":1878.4,"sentiment":"neutral","sentiment_score":-0.1816423535346985},{"text":"And, look, if you come back to me in a month's time ago, hey, Dana.","start":1878.4,"end":1881.2,"sentiment":"neutral","sentiment_score":-0.2640524844328562}],"sentiment":"neutral","sentiment_score":-0.22179986917901606,"num_words":21,"start":1874.5599,"end":1881.2},{"sentences":[{"text":"I don't like this.","start":1881.2,"end":1881.92,"sentiment":"negative","sentiment_score":-0.6839966773986816},{"text":"I wanna drop down again.","start":1881.92,"end":1883.04,"sentiment":"negative","sentiment_score":-0.3870178461074829},{"text":"I'll go back and do another document, and you'll step down again.","start":1883.04,"end":1886.1,"sentiment":"neutral","sentiment_score":-0.1583574532220761},{"text":"It's honestly you don't have to stay there.","start":1886.195,"end":1888.835,"sentiment":"neutral","sentiment_score":-0.1449631480500102},{"text":"You don't have to feel like you can never increase your risk if you want to.","start":1888.835,"end":1892.855,"sentiment":"neutral","sentiment_score":-0.3069416265934706}],"sentiment":"neutral","sentiment_score":-0.2809363686376148,"num_words":45,"start":1881.2,"end":1892.855},{"sentences":[{"text":"I'd be wholly against you trying to increase your risk at any point because you are so close to, you know, lowering your work hours.","start":1892.995,"end":1900.295,"sentiment":"negative","sentiment_score":-0.47811884701251983},{"text":"And, realistically, with the ups and downs we've seen this year I mean, you've probably seen on the news Trump's been tweeting and everything with the American, the Iran war.","start":1900.9199,"end":1910.46,"sentiment":"neutral","sentiment_score":-0.13311750615636508},{"text":"That did make Martha go up and down a little bit.","start":1910.6,"end":1913.795,"sentiment":"neutral","sentiment_score":-0.24689241701906378},{"text":"So, you know, we wanna try and yeah.","start":1914.175,"end":1917.395,"sentiment":"neutral","sentiment_score":0.0024798352387733757},{"text":"So we do wanna sorta try to, you know, limit the ups and downs.","start":1917.935,"end":1922.655,"sentiment":"neutral","sentiment_score":0.06802582208599363}],"sentiment":"neutral","sentiment_score":-0.20102400859204037,"num_words":88,"start":1892.995,"end":1922.655},{"sentences":[{"text":"And even with reducing your risk level, you still have some of those growth assets.","start":1922.655,"end":1926.895,"sentiment":"neutral","sentiment_score":0.07942119191090266},{"text":"You still have shares.","start":1926.895,"end":1928.25,"sentiment":"neutral","sentiment_score":0.11335578188300133},{"text":"So you're never not gonna see the ups and downs.","start":1928.25,"end":1930.75,"sentiment":"neutral","sentiment_score":0.005688348039984703},{"text":"But the idea of reducing your risk level is that you're protecting your capital, and we're reducing the ups and downs that you would feel.","start":1931.13,"end":1939.4501,"sentiment":"neutral","sentiment_score":0.10453008398413659},{"text":"So if you had, say, 200,000 in your super funds and you're in that balanced or balanced growth environment, the ups and downs are less likely to be drastic than someone who's taking on more of a high growth or an aggressive risk profile, and they're a 100% invested in those shares, they're gonna feel that up and down way more drastically than you would in that balance to balance growth portfolio.","start":1939.4501,"end":1964.22,"sentiment":"neutral","sentiment_score":-0.16212889318638998}],"sentiment":"neutral","sentiment_score":-0.058400029549375176,"num_words":126,"start":1922.655,"end":1964.22},{"sentences":[{"text":"Does that make sense?","start":1964.22,"end":1965.36,"sentiment":"neutral","sentiment_score":0.009398754220455885},{"text":"Yeah.","start":1965.42,"end":1965.92,"sentiment":"neutral","sentiment_score":0.0945349708199501},{"text":"Yeah.","start":1967.5,"end":1968.0,"sentiment":"neutral","sentiment_score":0.0743556097149849},{"text":"That's okay.","start":1968.0599,"end":1968.88,"sentiment":"neutral","sentiment_score":0.1072591096162796},{"text":"How did you how I will need to go back and update the advice document to reflect.","start":1969.995,"end":1974.8151,"sentiment":"neutral","sentiment_score":0.020553153884761474}],"sentiment":"neutral","sentiment_score":0.030816297307610513,"num_words":25,"start":1964.22,"end":1974.8151},{"sentences":[{"text":"Are you still comfortable with me just going back and updating the portfolio to be more of a balanced growth portfolio so we just step down in smaller increments.","start":1975.355,"end":1983.61,"sentiment":"neutral","sentiment_score":0.029079263411654996},{"text":"Yep.","start":1983.61,"end":1984.11,"sentiment":"neutral","sentiment_score":0.04547759145498276},{"text":"Beautiful.","start":1986.57,"end":1987.07,"sentiment":"positive","sentiment_score":0.39244115352630615},{"text":"Would you like me to do that first and then we come back and look at that transition time strategy, or do you want me to Yep.","start":1987.45,"end":1995.71,"sentiment":"neutral","sentiment_score":0.08390208740753156},{"text":"Yep.","start":1996.4099,"end":1996.9099,"sentiment":"neutral","sentiment_score":0.06100219115614891}],"sentiment":"neutral","sentiment_score":0.06114535483184381,"num_words":59,"start":1975.355,"end":1996.9099},{"sentences":[{"text":"Beautiful.","start":1998.33,"end":1998.83,"sentiment":"positive","sentiment_score":0.39616459608078},{"text":"Well, what we'll do yeah.","start":1998.885,"end":2003.545,"sentiment":"neutral","sentiment_score":0.14347067326307297},{"text":"Absolutely.","start":2003.685,"end":2004.185,"sentiment":"positive","sentiment_score":0.347367525100708},{"text":"Perfect.","start":2004.965,"end":2005.465,"sentiment":"positive","sentiment_score":0.5249881744384766},{"text":"So if I just double check your file to see when your annual review is due, because I could work it so it coincides that way.","start":2005.765,"end":2014.08,"sentiment":"neutral","sentiment_score":0.08697579973019086}],"sentiment":"neutral","sentiment_score":0.12491895455647917,"num_words":34,"start":1998.33,"end":2014.08},{"sentences":[{"text":"So any review is due around about July.","start":2014.32,"end":2016.82,"sentiment":"neutral","sentiment_score":0.07466481067240238},{"text":"Perfect.","start":2017.2799,"end":2017.7799,"sentiment":"positive","sentiment_score":0.7132254838943481},{"text":"So what I'll do is I'll go back now, and I will just read through the investment strategy, moving you into more of a balanced growth environment.","start":2018.32,"end":2026.1,"sentiment":"neutral","sentiment_score":0.30775185977971115},{"text":"We'll come back and do that advice document, and then we can work out when we come back and do that treat TTR strategy, whether we look at it this year or whether we maybe hold it back until January, and we start it next year for you.","start":2027.0651,"end":2040.425,"sentiment":"neutral","sentiment_score":0.17453047897045812},{"text":"Does that sound comfortable?","start":2040.425,"end":2041.53,"sentiment":"neutral","sentiment_score":0.13774500787258148}],"sentiment":"neutral","sentiment_score":0.21077599097043276,"num_words":88,"start":2014.32,"end":2041.53},{"sentences":[{"text":"Give you some time to take on board what's going on and do things slowly.","start":2041.53,"end":2046.03,"sentiment":"neutral","sentiment_score":0.10371221626798312},{"text":"Yep.","start":2046.65,"end":2047.15,"sentiment":"neutral","sentiment_score":0.13824188709259033},{"text":"Beautiful.","start":2048.73,"end":2049.23,"sentiment":"positive","sentiment_score":0.7215502858161926},{"text":"Excellent.","start":2050.57,"end":2051.07,"sentiment":"positive","sentiment_score":0.7477424144744873},{"text":"Easy.","start":2051.45,"end":2051.95,"sentiment":"positive","sentiment_score":0.6231115460395813}],"sentiment":"neutral","sentiment_score":0.19928049354961044,"num_words":19,"start":2041.53,"end":2051.95},{"sentences":[{"text":"So what I'll do, if you're okay with it, can I book you in in maybe, I reckon, a week's time just to update this investment portfolio for you?","start":2052.49,"end":2063.205,"sentiment":"neutral","sentiment_score":0.17492300811512718},{"text":"Are you available anytime next week?","start":2063.205,"end":2065.365,"sentiment":"neutral","sentiment_score":0.02666302180538575},{"text":"Is there a day that generally suits you better?","start":2065.365,"end":2067.7852,"sentiment":"neutral","sentiment_score":0.044773441842860646},{"text":"Yeah.","start":2074.55,"end":2074.8699,"sentiment":"neutral","sentiment_score":0.05346541106700897},{"text":"Absolutely.","start":2074.8699,"end":2075.3699,"sentiment":"neutral","sentiment_score":0.07814188301563263}],"sentiment":"neutral","sentiment_score":0.12537638340955196,"num_words":46,"start":2052.49,"end":2075.3699},{"sentences":[{"text":"So next Thursday morning, I am available for majority of the day.","start":2075.43,"end":2079.27,"sentiment":"neutral","sentiment_score":0.06767709910248716},{"text":"Would you prefer maybe nine, 10:00 in the morning?","start":2079.43,"end":2082.07,"sentiment":"neutral","sentiment_score":0.05004596379068163},{"text":"What's suitable for yourself, Sharon?","start":2082.07,"end":2084.125,"sentiment":"neutral","sentiment_score":0.031205704808235167},{"text":"10:00?","start":2084.7449,"end":2085.545,"sentiment":"neutral","sentiment_score":0.01960603892803192},{"text":"Yeah.","start":2085.545,"end":2085.865,"sentiment":"neutral","sentiment_score":0.06687182188034058}],"sentiment":"neutral","sentiment_score":0.05375161600698318,"num_words":28,"start":2075.43,"end":2085.865},{"sentences":[{"text":"Absolutely.","start":2085.865,"end":2086.365,"sentiment":"neutral","sentiment_score":0.1116294488310814},{"text":"So I'll put it in there for 10AM, and we will present the updated statement of advice, and we'll do an investment switch.","start":2087.305,"end":2096.16,"sentiment":"neutral","sentiment_score":0.07647735949443735},{"text":"Yep.","start":2098.0,"end":2098.5,"sentiment":"neutral","sentiment_score":0.031034594401717183},{"text":"Oh, well, I yes.","start":2100.0798,"end":2101.46,"sentiment":"neutral","sentiment_score":0.015286489855498075},{"text":"Normally, we do.","start":2101.52,"end":2102.4,"sentiment":"neutral","sentiment_score":0.00359062555556496}],"sentiment":"neutral","sentiment_score":0.06167378586542327,"num_words":32,"start":2085.865,"end":2102.4},{"sentences":[{"text":"I send it to you via OdoSign so you can open it up and look at it with me, and we'll go through it slower.","start":2102.4,"end":2108.66,"sentiment":"neutral","sentiment_score":0.017188765220344068},{"text":"I can also post it to you.","start":2109.195,"end":2111.115,"sentiment":"neutral","sentiment_score":0.028555662504264286},{"text":"It just may not be there in time.","start":2111.115,"end":2113.2952,"sentiment":"neutral","sentiment_score":-0.047970766201615334},{"text":"Is that gonna be okay?","start":2113.595,"end":2114.975,"sentiment":"neutral","sentiment_score":0.015899873897433282},{"text":"Yeah.","start":2116.475,"end":2116.975,"sentiment":"neutral","sentiment_score":0.005861441604793072}],"sentiment":"neutral","sentiment_score":0.007200074989510619,"num_words":46,"start":2102.4,"end":2116.975},{"sentences":[{"text":"Just pop, yeah, just pop it aside.","start":2118.635,"end":2120.735,"sentiment":"neutral","sentiment_score":-0.008603756316006184},{"text":"Just you can throw it out if you don't want it anymore.","start":2120.7952,"end":2124.175,"sentiment":"neutral","sentiment_score":-0.032092548441141844},{"text":"It's completely up to you.","start":2124.235,"end":2124.3152,"sentiment":"neutral","sentiment_score":0.2804345846176147},{"text":"I would Yeah.","start":2124.3152,"end":2140.7952,"sentiment":"neutral","sentiment_score":0.27166810135046643},{"text":"Absolutely.","start":2141.2551,"end":2141.7551,"sentiment":"positive","sentiment_score":0.3607017397880554}],"sentiment":"neutral","sentiment_score":0.07616221755077797,"num_words":28,"start":2118.635,"end":2141.7551},{"sentences":[{"text":"Yeah.","start":2142.215,"end":2142.715,"sentiment":"neutral","sentiment_score":0.2416653335094452},{"text":"Perfect.","start":2143.175,"end":2143.675,"sentiment":"positive","sentiment_score":0.5545824766159058},{"text":"Not a problem at all.","start":2145.0151,"end":2146.7952,"sentiment":"positive","sentiment_score":0.35852054953575135},{"text":"Excellent.","start":2147.0151,"end":2147.495,"sentiment":"positive","sentiment_score":0.6671234369277954},{"text":"Well, I've booked that one in for you for next Thursday morning, which is the August 20 at 10AM.","start":2147.495,"end":2154.34,"sentiment":"neutral","sentiment_score":0.24573745696168198}],"sentiment":"neutral","sentiment_score":0.29351798803718004,"num_words":27,"start":2142.215,"end":2154.34},{"sentences":[{"text":"I will have the advice document in the Odoo sign.","start":2154.34,"end":2157.06,"sentiment":"neutral","sentiment_score":0.20675967186689376},{"text":"I'll send it to you.","start":2157.06,"end":2158.0999,"sentiment":"neutral","sentiment_score":0.24209113717079161},{"text":"You can open it.","start":2158.0999,"end":2158.98,"sentiment":"neutral","sentiment_score":0.22312932461500168},{"text":"We can go through it together.","start":2158.98,"end":2160.3599,"sentiment":"neutral","sentiment_score":0.2983089288075765},{"text":"I've scheduled that plenty of extra time so we can go through.","start":2160.9,"end":2163.7,"sentiment":"neutral","sentiment_score":0.30949511379003525}],"sentiment":"neutral","sentiment_score":0.26146931462996714,"num_words":37,"start":2154.34,"end":2163.7},{"sentences":[{"text":"You can ask me questions.","start":2163.7,"end":2164.9,"sentiment":"neutral","sentiment_score":0.2700443148612976},{"text":"We can talk about what's happening on each of the pages.","start":2164.9,"end":2167.56,"sentiment":"neutral","sentiment_score":0.19979837265881625},{"text":"And then if you like, we can also post you a copy.","start":2167.8599,"end":2170.475,"sentiment":"neutral","sentiment_score":0.1747630996008714},{"text":"So I'll get my team to send one out to you in the mail.","start":2170.475,"end":2172.955,"sentiment":"neutral","sentiment_score":0.2085058018565178},{"text":"That way, it comes in the mail, and you've got a hard copy to read.","start":2172.955,"end":2176.095,"sentiment":"neutral","sentiment_score":0.23742738664150237}],"sentiment":"neutral","sentiment_score":0.21273075253294224,"num_words":57,"start":2163.7,"end":2176.095},{"sentences":[{"text":"And then you can we can come back and answer any additional questions you have.","start":2176.155,"end":2179.995,"sentiment":"neutral","sentiment_score":0.17163828313350676},{"text":"Does that sound okay?","start":2179.995,"end":2181.0552,"sentiment":"neutral","sentiment_score":0.1301310770213604},{"text":"Yeah?","start":2181.7551,"end":2182.2551,"sentiment":"neutral","sentiment_score":0.06917892396450043},{"text":"Yes.","start":2189.13,"end":2189.63,"sentiment":"neutral","sentiment_score":-0.01375884748995304},{"text":"Actually, we will do that for you.","start":2189.8499,"end":2191.2898,"sentiment":"neutral","sentiment_score":-0.009433081905756677}],"sentiment":"neutral","sentiment_score":0.11016025207936764,"num_words":28,"start":2176.155,"end":2191.2898},{"sentences":[{"text":"So I'll get my team to go into the Odoo sign, and they will void that copy.","start":2191.2898,"end":2195.8499,"sentiment":"neutral","sentiment_score":-0.013255011783364941},{"text":"That way, it disappears out for you.","start":2195.8499,"end":2197.795,"sentiment":"neutral","sentiment_score":0.011330183063234602},{"text":"Okay?","start":2197.795,"end":2198.295,"sentiment":"neutral","sentiment_score":0.000882389023900032},{"text":"Yep.","start":2199.955,"end":2200.455,"sentiment":"neutral","sentiment_score":-0.002290265168994665},{"text":"It'll just, yeah, it'll just expire.","start":2200.595,"end":2202.455,"sentiment":"neutral","sentiment_score":-0.04968302634855112}],"sentiment":"neutral","sentiment_score":-0.013922811034717597,"num_words":32,"start":2191.2898,"end":2202.455},{"sentences":[{"text":"The link will be no longer valid.","start":2202.5151,"end":2205.235,"sentiment":"neutral","sentiment_score":-0.14952132105827332},{"text":"So you can delete it on your end, and we'll void it on our end for you.","start":2205.235,"end":2208.835,"sentiment":"neutral","sentiment_score":-0.04806562480242813},{"text":"Okay?","start":2208.835,"end":2209.335,"sentiment":"neutral","sentiment_score":-0.010297666303813456},{"text":"Yeah.","start":2217.89,"end":2218.39,"sentiment":"neutral","sentiment_score":-0.049298737198114395},{"text":"The the pension account, it shouldn't do.","start":2223.655,"end":2226.375,"sentiment":"neutral","sentiment_score":-0.15394322787012374}],"sentiment":"neutral","sentiment_score":-0.0909382990194541,"num_words":33,"start":2202.5151,"end":2226.375},{"sentences":[{"text":"So when we work it out, we look at your payslip and work out what your take home pay is, what you already have coming out of your account, and work it around that.","start":2226.375,"end":2235.3352,"sentiment":"neutral","sentiment_score":-0.0367421471130322},{"text":"So when we get new payslips, we'll look at it.","start":2235.3352,"end":2237.9502,"sentiment":"neutral","sentiment_score":0.1447235330939293},{"text":"We'll work out what you've got what your pay is, what your take home pay is, how it looks, and try to work it around that for you so it doesn't affect you.","start":2237.9502,"end":2245.97,"sentiment":"neutral","sentiment_score":0.18956392800266092},{"text":"Yeah.","start":2247.55,"end":2248.05,"sentiment":"neutral","sentiment_score":0.0700937807559967},{"text":"It's okay.","start":2248.4302,"end":2249.425,"sentiment":"neutral","sentiment_score":0.06512022390961647}],"sentiment":"neutral","sentiment_score":0.08317432727199048,"num_words":80,"start":2226.375,"end":2249.425},{"sentences":[{"text":"Yeah.","start":2251.565,"end":2252.065,"sentiment":"neutral","sentiment_score":-0.050291597843170166},{"text":"Yeah.","start":2263.4849,"end":2263.9849,"sentiment":"neutral","sentiment_score":-0.06547728925943375},{"text":"Wow.","start":2272.07,"end":2272.57,"sentiment":"neutral","sentiment_score":-0.1411972939968109},{"text":"Wow.","start":2273.4302,"end":2273.9302,"sentiment":"neutral","sentiment_score":-0.03436396270990372},{"text":"See, that's the other thing we'll look at is we'll look at with your pay whether it's even gonna help you or whether it's even gonna work out good for you to do.","start":2274.07,"end":2281.145,"sentiment":"neutral","sentiment_score":0.12542795937395457}],"sentiment":"neutral","sentiment_score":0.10399439231165357,"num_words":37,"start":2251.565,"end":2281.145},{"sentences":[{"text":"Because if you're salary sacrificing or if you're salary packaging that much money already, then it may not work out that you can salary sacrifice.","start":2281.145,"end":2290.665,"sentiment":"negative","sentiment_score":-0.3410689374804497},{"text":"It may not work out beneficial for you.","start":2290.665,"end":2290.726,"sentiment":"neutral","sentiment_score":-0.2975306697189808},{"text":"So we do all that work and all that math for you to work out So we do all that work and all that math for you to work out whether it works, how it's gonna work, and then we'll come back and let you know yes or no.","start":2290.726,"end":2301.46,"sentiment":"neutral","sentiment_score":0.1914341072646939},{"text":"Hey.","start":2301.52,"end":2301.68,"sentiment":"neutral","sentiment_score":-0.03397461026906967},{"text":"It's not gonna work.","start":2301.68,"end":2302.56,"sentiment":"neutral","sentiment_score":-0.17457249760627747}],"sentiment":"neutral","sentiment_score":-0.02596508206307203,"num_words":87,"start":2281.145,"end":2302.56},{"sentences":[{"text":"We're not gonna do it, or, yes, it will work, and this is how it'll work for you and show you the numbers.","start":2302.56,"end":2307.315,"sentiment":"neutral","sentiment_score":0.07209089722322382},{"text":"And, admittedly, everything can change in a few months, so we'll start by just reducing your risk and changing your investment now.","start":2308.115,"end":2315.395,"sentiment":"neutral","sentiment_score":0.1113039120523767},{"text":"We'll go through that slowly, and then we can come back in a few months' time, look at how things are tracking for you, and look at what we need to do.","start":2315.395,"end":2323.53,"sentiment":"neutral","sentiment_score":0.1919068160932511},{"text":"And as part of this, I mean, as you'll see in that document there, I do do a bit of a a Money Smart calculation.","start":2323.53,"end":2331.39,"sentiment":"neutral","sentiment_score":0.23869667679071427},{"text":"It's essentially a a retirement projected income calculation based on what we're projecting you should have and how much income you should be able to draw to give you longevity or what your income looks like.","start":2331.6099,"end":2345.345,"sentiment":"neutral","sentiment_score":0.07848216789878076}],"sentiment":"neutral","sentiment_score":0.13797514333619157,"num_words":138,"start":2302.56,"end":2345.345},{"sentences":[{"text":"I'll redo that calculation, and I'll show you that we'll go through that together.","start":2345.565,"end":2350.16,"sentiment":"neutral","sentiment_score":0.09213265244449888},{"text":"Okay?","start":2350.22,"end":2350.7,"sentiment":"neutral","sentiment_score":0.06006041169166565},{"text":"It's just sort of projecting forward based on the advice what we expect in retirement, how long income should be expected to last, or how long your super should be expected to last.","start":2350.7,"end":2360.865,"sentiment":"neutral","sentiment_score":0.07854996463566115},{"text":"I'll have you look at age pension as well well well whether you're eligible for age pension based on current assets and liabilities and things like that, and then we can go back and update everything.","start":2360.945,"end":2371.605,"sentiment":"neutral","sentiment_score":0.05555576686229971},{"text":"Yeah.","start":2375.72,"end":2376.22,"sentiment":"neutral","sentiment_score":-0.024047868326306343}],"sentiment":"neutral","sentiment_score":0.06962383667774061,"num_words":85,"start":2345.565,"end":2376.22},{"sentences":[{"text":"Yeah.","start":2389.96,"end":2390.44,"sentiment":"neutral","sentiment_score":-0.03280150145292282},{"text":"No.","start":2390.44,"end":2390.805,"sentiment":"neutral","sentiment_score":-0.11237992346286774},{"text":"That's okay.","start":2390.885,"end":2391.2048,"sentiment":"neutral","sentiment_score":-0.06454871408641338},{"text":"Well, let's also while we're here, because it's been a while since we've gone through and updated your circumstances, let's just go through and update all your assets, liabilities, and goals and things just so we can kind of update the advice reflect because it has been a while since we updated these.","start":2391.2048,"end":2406.7998,"sentiment":"neutral","sentiment_score":0.017212109031805874},{"text":"Just sort of tracking now, we were talking about being able to access super and do, you know, drop days at about age 65, but you're still wanting to fully retire around age 67.","start":2407.9,"end":2421.735,"sentiment":"neutral","sentiment_score":0.022492592181900844}],"sentiment":"neutral","sentiment_score":0.015414407250348601,"num_words":91,"start":2389.96,"end":2421.735},{"sentences":[{"text":"Is that still correct, or what's your actual retirement age now?","start":2421.735,"end":2425.595,"sentiment":"neutral","sentiment_score":-0.01638684862039306},{"text":"Yep.","start":2430.615,"end":2430.81,"sentiment":"neutral","sentiment_score":-0.07258030027151108},{"text":"That's okay.","start":2433.77,"end":2434.59,"sentiment":"neutral","sentiment_score":0.05238714814186096},{"text":"Did did you want me to work on 67 as a goal age for now knowing we can always change that down the track?","start":2434.6501,"end":2440.9102,"sentiment":"neutral","sentiment_score":0.0037074023857712746},{"text":"Yep.","start":2442.1702,"end":2442.6702,"sentiment":"neutral","sentiment_score":0.09408249706029892}],"sentiment":"neutral","sentiment_score":0.0008974055258127359,"num_words":39,"start":2421.735,"end":2442.6702},{"sentences":[{"text":"Yep.","start":2442.81,"end":2443.31,"sentiment":"neutral","sentiment_score":0.23287683725357056},{"text":"Beautiful.","start":2443.45,"end":2443.95,"sentiment":"neutral","sentiment_score":0.2967831790447235},{"text":"Excellent.","start":2444.895,"end":2445.375,"sentiment":"positive","sentiment_score":0.6531595587730408},{"text":"I've got down here that you were originally hoping to draw about $1,100 per week from both super and the age pension to survive from age 67.","start":2445.375,"end":2457.23,"sentiment":"neutral","sentiment_score":0.10724817678608277},{"text":"Does that feel still appropriate?","start":2457.23,"end":2458.6099,"sentiment":"neutral","sentiment_score":0.041503362357616425}],"sentiment":"neutral","sentiment_score":0.12245820457381862,"num_words":35,"start":2442.81,"end":2458.6099},{"sentences":[{"text":"Yep.","start":2463.39,"end":2463.89,"sentiment":"neutral","sentiment_score":0.03383827209472656},{"text":"That's okay.","start":2464.8298,"end":2465.55,"sentiment":"neutral","sentiment_score":0.1628662571310997},{"text":"It's all sort of based on today's dollars because we don't know how much it's gonna be worth in the future.","start":2465.55,"end":2469.97,"sentiment":"neutral","sentiment_score":0.058772834816149304},{"text":"But, yeah, but what I sort of look at doing now is I base the research around your goals.","start":2470.605,"end":2477.165,"sentiment":"neutral","sentiment_score":0.06924829842816842},{"text":"So looking forward to 65, 57, what does this look like for you at that age?","start":2477.165,"end":2482.59,"sentiment":"neutral","sentiment_score":0.049570034141652286}],"sentiment":"neutral","sentiment_score":0.06275658532029997,"num_words":59,"start":2463.39,"end":2482.59},{"sentences":[{"text":"When you get to that age, we'll reconfirm what your expenditure is.","start":2483.07,"end":2487.09,"sentiment":"neutral","sentiment_score":0.0649789006759723},{"text":"And when you go into pension phase, we'll work out what you sorry, what you actually need to live on, how you draw that down, and then provide advice through pension phase on that aspect.","start":2487.1501,"end":2498.5051,"sentiment":"neutral","sentiment_score":0.07427454548222678},{"text":"Okay?","start":2498.8052,"end":2499.3052,"sentiment":"neutral","sentiment_score":0.04494629427790642},{"text":"Excellent.","start":2501.125,"end":2501.625,"sentiment":"positive","sentiment_score":0.4732093811035156},{"text":"I've also got in here now you did retain a bit of life cover.","start":2502.8052,"end":2507.8699,"sentiment":"neutral","sentiment_score":0.10733013972640038}],"sentiment":"neutral","sentiment_score":0.08571640526254971,"num_words":63,"start":2483.07,"end":2507.8699},{"sentences":[{"text":"Sorry.","start":2508.65,"end":2509.15,"sentiment":"neutral","sentiment_score":-0.026724493131041527},{"text":"Just retained just having a quick look for you at what I've got in here.","start":2510.73,"end":2514.91,"sentiment":"neutral","sentiment_score":0.009492370175818603},{"text":"Sorry.","start":2515.45,"end":2515.69,"sentiment":"neutral","sentiment_score":-0.11533518135547638},{"text":"I've got the hiccups.","start":2515.69,"end":2516.5698,"sentiment":"neutral","sentiment_score":-0.13742433115839958},{"text":"I do apologize.","start":2516.5698,"end":2517.39,"sentiment":"neutral","sentiment_score":-0.11974233637253444}],"sentiment":"neutral","sentiment_score":-0.037858268983351685,"num_words":24,"start":2508.65,"end":2517.39},{"sentences":[{"text":"So with your life cover, you've got your MLC life cover, which had a sum insured of about 118,850.","start":2520.4648,"end":2529.505,"sentiment":"neutral","sentiment_score":0.03131161218411044},{"text":"And you were happy to retain that for a little bit longer.","start":2529.505,"end":2532.1448,"sentiment":"neutral","sentiment_score":0.10551532544195652},{"text":"Do you still want to retain that for longer?","start":2532.1448,"end":2537.37,"sentiment":"neutral","sentiment_score":-0.007496742945578363},{"text":"Just keep it.","start":2537.37,"end":2538.1702,"sentiment":"neutral","sentiment_score":-0.01914236011604468},{"text":"Don't you know, keep it for longer.","start":2538.1702,"end":2539.61,"sentiment":"neutral","sentiment_score":-0.028420337342790196}],"sentiment":"neutral","sentiment_score":0.03074528817087412,"num_words":50,"start":2520.4648,"end":2539.61},{"sentences":[{"text":"Keep paying for it out of your super.","start":2539.61,"end":2541.47,"sentiment":"neutral","sentiment_score":-0.09486907813698053},{"text":"Yep.","start":2544.97,"end":2545.21,"sentiment":"neutral","sentiment_score":0.0751122534275055},{"text":"That's absolutely fine.","start":2545.21,"end":2546.505,"sentiment":"positive","sentiment_score":0.34673847754796344},{"text":"It's not a problem at all.","start":2546.505,"end":2547.4648,"sentiment":"neutral","sentiment_score":0.28923376897970837},{"text":"I'll keep asking that question every year so you can let me know how you feel about it.","start":2547.4648,"end":2551.2249,"sentiment":"neutral","sentiment_score":0.19932134201129278}],"sentiment":"neutral","sentiment_score":0.157765606418252,"num_words":36,"start":2539.61,"end":2551.2249},{"sentences":[{"text":"When and if you do so, do you no longer want it anymore?","start":2551.2249,"end":2553.9648,"sentiment":"neutral","sentiment_score":-0.0301919191216047},{"text":"Some people some people do.","start":2556.345,"end":2558.265,"sentiment":"neutral","sentiment_score":-0.00465584322810173},{"text":"Most of the time, realistically, what we wanna keep insurances for is for if we pass away or something happens to us whilst we have debts, that the insurance provides that level of cover.","start":2558.265,"end":2569.4202,"sentiment":"neutral","sentiment_score":0.0551493254435413},{"text":"So most people will have life cover so that if they pass away, their mortgage can be fully paid off, their cars credit cards and things can be fully paid off, and then the benefit gets paid to their beneficiaries, whoever that might be.","start":2569.4202,"end":2583.8848,"sentiment":"neutral","sentiment_score":0.16800676988945765},{"text":"Generally speaking, when we get to sort of age 60 and beyond, if we have enough super and it covers our debts, we tend to not need to have life insurance any longer because if we pass away, our super is paid out.","start":2584.585,"end":2597.23,"sentiment":"neutral","sentiment_score":0.09576841565065605}],"sentiment":"neutral","sentiment_score":0.0933067816436934,"num_words":139,"start":2551.2249,"end":2597.23},{"sentences":[{"text":"In saying that, it is a personal decision.","start":2597.6099,"end":2600.19,"sentiment":"neutral","sentiment_score":0.0996875362470746},{"text":"So, realistically, you're only paying about 660.","start":2600.25,"end":2605.045,"sentiment":"neutral","sentiment_score":0.07772548816033772},{"text":"The amount coming out of super dispute is $561.08.","start":2605.7449,"end":2610.4648,"sentiment":"neutral","sentiment_score":0.03715838657485114},{"text":"So you only paid about 500 dollars correct to have that a $118,000 worth of cover.","start":2610.4648,"end":2617.285,"sentiment":"neutral","sentiment_score":0.03688344231341034},{"text":"And it means that if you were to pass away based on your super balance, so we'll say $1.45 $2.03 9 plus 118,050, between your life cover and your super balance, your beneficiary could receive 264,089.","start":2617.51,"end":2635.005,"sentiment":"neutral","sentiment_score":0.08107700586939852}],"sentiment":"neutral","sentiment_score":0.06822251940244123,"num_words":76,"start":2597.6099,"end":2635.005},{"sentences":[{"text":"So that's not a bad benefit to pay.","start":2635.305,"end":2637.405,"sentiment":"neutral","sentiment_score":0.006976736942306161},{"text":"Yeah.","start":2639.2249,"end":2639.7249,"sentiment":"neutral","sentiment_score":0.14941084384918213},{"text":"Oh, yes.","start":2645.32,"end":2649.9001,"sentiment":"neutral","sentiment_score":0.08616111427545547},{"text":"Will is a good thing.","start":2651.48,"end":2652.78,"sentiment":"positive","sentiment_score":0.5535357415676116},{"text":"Tax.","start":2657.615,"end":2658.115,"sentiment":"neutral","sentiment_score":0.04609548300504685}],"sentiment":"neutral","sentiment_score":0.1877247740459793,"num_words":17,"start":2635.305,"end":2658.115},{"sentences":[{"text":"Yep.","start":2659.375,"end":2659.875,"sentiment":"neutral","sentiment_score":0.09358825534582138},{"text":"Yep.","start":2659.935,"end":2660.435,"sentiment":"neutral","sentiment_score":0.08120894432067871},{"text":"So I'm just going back to that section.","start":2660.4949,"end":2663.315,"sentiment":"neutral","sentiment_score":0.06456950679421425},{"text":"Fantastic.","start":2664.255,"end":2664.755,"sentiment":"positive","sentiment_score":0.6642091870307922},{"text":"So with your goal for your beneficiaries sorry.","start":2666.015,"end":2669.875,"sentiment":"positive","sentiment_score":0.3398214057087898}],"sentiment":"neutral","sentiment_score":0.21442808877480657,"num_words":19,"start":2659.375,"end":2669.875},{"sentences":[{"text":"I'm just looking at what we had noted here.","start":2669.935,"end":2672.7,"sentiment":"neutral","sentiment_score":0.0831925550268756},{"text":"Estate planning.","start":2675.18,"end":2676.32,"sentiment":"neutral","sentiment_score":0.008455229923129082},{"text":"Your goal was that in the event you were passing away, you wanted to have your super and life insurance directed to your will so it could be distributed to your adult children.","start":2677.5798,"end":2686.8599,"sentiment":"neutral","sentiment_score":0.11025597256692973},{"text":"Yes.","start":2686.8599,"end":2687.3599,"sentiment":"neutral","sentiment_score":0.10312722623348236},{"text":"So the biggest thing to sort of think about is with adult children, there's a lot of legislation around how death benefits are to be paid.","start":2687.635,"end":2695.415,"sentiment":"neutral","sentiment_score":0.02293521588524947}],"sentiment":"neutral","sentiment_score":0.07188075195840547,"num_words":71,"start":2669.935,"end":2695.415},{"sentences":[{"text":"If you're super and your life insurance is paid to a spouse or a child 18 or a dependent child, someone who relies on you financially, they can receive the funds completely tax free.","start":2696.0352,"end":2708.62,"sentiment":"neutral","sentiment_score":0.08854903543696684},{"text":"If it's being paid to an adult child who is not a financial dependent on yourself, the super benefit and the life insurance process, if they're paid directly, they pay 17% tax on that money.","start":2709.08,"end":2721.955,"sentiment":"neutral","sentiment_score":0.049487755061792475},{"text":"So it means that once yeah.","start":2722.175,"end":2724.915,"sentiment":"neutral","sentiment_score":0.03066445825000604},{"text":"That's right.","start":2726.2551,"end":2726.91,"sentiment":"neutral","sentiment_score":0.15743554383516312},{"text":"Yeah.","start":2727.15,"end":2727.5898,"sentiment":"neutral","sentiment_score":0.1455119550228119}],"sentiment":"neutral","sentiment_score":0.06906549261811261,"num_words":78,"start":2696.0352,"end":2727.5898},{"sentences":[{"text":"So in the advice document, we recommended that on your life insurance and your super with the beneficiary, we tick the legal personal representative.","start":2727.5898,"end":2737.73,"sentiment":"neutral","sentiment_score":0.13857076782733202},{"text":"And that means that in the event that something happened to you, if you were to pass away, the the super and the life insurance money would go to your estate.","start":2738.3499,"end":2747.085,"sentiment":"neutral","sentiment_score":0.1524491612949679},{"text":"You just need to have your will done up so it receives that money and then have it distributed to your adult children however you see fit.","start":2747.465,"end":2755.645,"sentiment":"neutral","sentiment_score":0.17727069253170932},{"text":"The kids do still pay tax on the money, but it reduces the amount of tax that they're expected to pay.","start":2756.04,"end":2761.6401,"sentiment":"neutral","sentiment_score":0.11065829722654252},{"text":"So it means that they receive more of the benefit.","start":2761.6401,"end":2764.04,"sentiment":"neutral","sentiment_score":0.20788363069295884}],"sentiment":"neutral","sentiment_score":0.15257160774374431,"num_words":113,"start":2727.5898,"end":2764.04},{"sentences":[{"text":"Does that make sense?","start":2764.04,"end":2765.1,"sentiment":"neutral","sentiment_score":0.10726990550756454},{"text":"Yeah.","start":2765.6401,"end":2766.1401,"sentiment":"neutral","sentiment_score":0.06228514760732651},{"text":"Yeah.","start":2769.1602,"end":2769.6602,"sentiment":"neutral","sentiment_score":-0.01838824152946472},{"text":"Yeah.","start":2770.2,"end":2770.665,"sentiment":"neutral","sentiment_score":-0.010732470080256462},{"text":"That's fantastic.","start":2771.145,"end":2773.725,"sentiment":"neutral","sentiment_score":0.26505458913743496}],"sentiment":"neutral","sentiment_score":0.11026147070030372,"num_words":9,"start":2764.04,"end":2773.725},{"sentences":[{"text":"So I'll update that for you.","start":2774.105,"end":2776.345,"sentiment":"neutral","sentiment_score":0.27871781090895337},{"text":"So being updated now.","start":2776.345,"end":2778.125,"sentiment":"neutral","sentiment_score":0.1757440995424986},{"text":"Excellent.","start":2778.2651,"end":2778.7651,"sentiment":"positive","sentiment_score":0.33458396792411804},{"text":"And are you having a power of attorney set up as part of the will?","start":2779.945,"end":2783.58,"sentiment":"neutral","sentiment_score":0.09922976791858673},{"text":"Have got one.","start":2786.1401,"end":2787.02,"sentiment":"neutral","sentiment_score":0.11450742930173874}],"sentiment":"neutral","sentiment_score":0.15661503580109826,"num_words":29,"start":2774.105,"end":2787.02},{"sentences":[{"text":"Fantastic.","start":2787.02,"end":2787.52,"sentiment":"positive","sentiment_score":0.37523406744003296},{"text":"Is it enduring power of attorney?","start":2789.1802,"end":2792.54,"sentiment":"neutral","sentiment_score":0.0769259063526988},{"text":"Oh, fantastic.","start":2792.54,"end":2793.28,"sentiment":"neutral","sentiment_score":0.2765447869896889},{"text":"You've done it all.","start":2794.22,"end":2795.36,"sentiment":"neutral","sentiment_score":0.25949157774448395},{"text":"Yep.","start":2802.295,"end":2802.795,"sentiment":"neutral","sentiment_score":0.09529312700033188}],"sentiment":"neutral","sentiment_score":0.18022417982241937,"num_words":14,"start":2787.02,"end":2802.795},{"sentences":[{"text":"That is really good.","start":2804.055,"end":2805.255,"sentiment":"positive","sentiment_score":0.6226008906960487},{"text":"That's fantastic.","start":2805.255,"end":2805.9949,"sentiment":"positive","sentiment_score":0.74439936876297},{"text":"No.","start":2806.695,"end":2806.855,"sentiment":"neutral","sentiment_score":0.1349404603242874},{"text":"That works out really, really well.","start":2806.855,"end":2808.535,"sentiment":"neutral","sentiment_score":0.26489924887816113},{"text":"Excellent.","start":2808.535,"end":2809.035,"sentiment":"positive","sentiment_score":0.4003021717071533}],"sentiment":"positive","sentiment_score":0.4359886018293245,"num_words":14,"start":2804.055,"end":2809.035},{"sentences":[{"text":"I had down here that you were paying rent of about $285 per week.","start":2810.055,"end":2814.58,"sentiment":"neutral","sentiment_score":0.033093483719442575},{"text":"Has your rent increased recently, or is it the same?","start":2814.58,"end":2818.2,"sentiment":"neutral","sentiment_score":-0.008237272966653109},{"text":"Okay.","start":2818.74,"end":2819.24,"sentiment":"neutral","sentiment_score":0.09478744864463806},{"text":"Beautiful.","start":2819.3,"end":2819.8,"sentiment":"neutral","sentiment_score":0.26139456033706665},{"text":"300 per week.","start":2821.06,"end":2822.44,"sentiment":"neutral","sentiment_score":0.14176073173681894}],"sentiment":"neutral","sentiment_score":0.04008276712406298,"num_words":29,"start":2810.055,"end":2822.44},{"sentences":[{"text":"Thank you for updating that.","start":2822.98,"end":2824.6,"sentiment":"positive","sentiment_score":0.5085430860519409},{"text":"I had your car down as an asset.","start":2825.1401,"end":2827.065,"sentiment":"neutral","sentiment_score":0.07688118610531092},{"text":"I had it down as a Toyota Corolla, and I worked out the asset via Redbooks would be about 13,800 based on the year and the model.","start":2827.625,"end":2835.565,"sentiment":"neutral","sentiment_score":0.06141264571083917},{"text":"Do you I personally think that should still be fairly okay.","start":2836.9849,"end":2841.3,"sentiment":"neutral","sentiment_score":0.09185632758519867},{"text":"These sorts of vehicles do hold their value pretty well.","start":2841.54,"end":2844.02,"sentiment":"neutral","sentiment_score":0.1765459530055523}],"sentiment":"neutral","sentiment_score":0.12445549978340259,"num_words":61,"start":2822.98,"end":2844.02},{"sentences":[{"text":"Are you happy to retain that same value, or did you want me to maybe lower it a little bit?","start":2844.02,"end":2848.68,"sentiment":"neutral","sentiment_score":0.00019109956920146943},{"text":"No.","start":2850.6602,"end":2851.1602,"sentiment":"neutral","sentiment_score":-0.0951494574546814},{"text":"That's okay.","start":2851.78,"end":2852.6,"sentiment":"neutral","sentiment_score":0.03255508467555046},{"text":"I also have that you had some savings here about 40,000, which was due to be used for a trip to Canada.","start":2853.06,"end":2860.075,"sentiment":"neutral","sentiment_score":0.02970782768997279},{"text":"Do you still have those savings or some savings?","start":2860.075,"end":2862.575,"sentiment":"neutral","sentiment_score":0.005389761283165879}],"sentiment":"neutral","sentiment_score":0.012515977111265616,"num_words":54,"start":2844.02,"end":2862.575},{"sentences":[{"text":"Yeah.","start":2865.115,"end":2865.615,"sentiment":"neutral","sentiment_score":0.004223257303237915},{"text":"30 4,000.","start":2868.395,"end":2869.29,"sentiment":"neutral","sentiment_score":0.011483491864055395},{"text":"Okay.","start":2877.37,"end":2877.87,"sentiment":"neutral","sentiment_score":0.06957177072763443},{"text":"Perfect.","start":2878.01,"end":2878.51,"sentiment":"neutral","sentiment_score":0.15034836530685425},{"text":"Yep.","start":2891.1848,"end":2891.345,"sentiment":"neutral","sentiment_score":0.0954696089029312}],"sentiment":"neutral","sentiment_score":0.0570966643281281,"num_words":6,"start":2865.115,"end":2891.345},{"sentences":[{"text":"Beautiful.","start":2891.345,"end":2891.845,"sentiment":"neutral","sentiment_score":0.2610786557197571},{"text":"And what's the interest rate on that new account when you have it?","start":2891.9048,"end":2894.885,"sentiment":"neutral","sentiment_score":0.07338549368656598},{"text":"Sorry.","start":2898.2249,"end":2898.7249,"sentiment":"neutral","sentiment_score":-0.025118103250861168},{"text":"That's okay.","start":2902.25,"end":2903.05,"sentiment":"neutral","sentiment_score":0.0010597985237836838},{"text":"Do you know what bank it is?","start":2903.05,"end":2904.49,"sentiment":"neutral","sentiment_score":-0.014301691736493791}],"sentiment":"neutral","sentiment_score":0.04549915522026519,"num_words":24,"start":2891.345,"end":2904.49},{"sentences":[{"text":"Or let me just have a quick look and see if I can pull it up for you.","start":2904.49,"end":2910.35,"sentiment":"neutral","sentiment_score":0.05255505908280611},{"text":"Bank of And what sort of account is it?","start":2912.33,"end":2926.345,"sentiment":"neutral","sentiment_score":0.016250660953422386},{"text":"Smart saver interest rate.","start":2926.805,"end":2928.54,"sentiment":"neutral","sentiment_score":0.13041306287050247},{"text":"Perfect.","start":2928.54,"end":2929.04,"sentiment":"positive","sentiment_score":0.6455311179161072},{"text":"I think it's Queensland.","start":2931.26,"end":2932.32,"sentiment":"neutral","sentiment_score":0.23031174764037132}],"sentiment":"neutral","sentiment_score":0.08835214922308093,"num_words":36,"start":2904.49,"end":2932.32},{"sentences":[{"text":"I've got Smart saver account up to five point four zero percent.","start":2937.1,"end":2941.44,"sentiment":"neutral","sentiment_score":0.19661465814958015},{"text":"Cool.","start":2942.735,"end":2943.235,"sentiment":"neutral","sentiment_score":0.27896690368652344},{"text":"Is the interest rate around 5.40% per annum?","start":2943.5352,"end":2947.635,"sentiment":"neutral","sentiment_score":0.1282684961333871},{"text":"Does that ring a bell?","start":2948.975,"end":2950.195,"sentiment":"neutral","sentiment_score":0.036361710727214815},{"text":"Yes.","start":2955.7751,"end":2956.2,"sentiment":"neutral","sentiment_score":0.01803845725953579}],"sentiment":"neutral","sentiment_score":0.14312362153497007,"num_words":27,"start":2937.1,"end":2956.2},{"sentences":[{"text":"Yeah.","start":2969.88,"end":2970.38,"sentiment":"neutral","sentiment_score":0.06663823127746582},{"text":"Okay.","start":2970.44,"end":2970.94,"sentiment":"neutral","sentiment_score":0.11105664074420928},{"text":"So is that based on the 50,000?","start":2971.4,"end":2973.705,"sentiment":"neutral","sentiment_score":0.1071284833763327},{"text":"Is that based on the 30,000 50,000?","start":2975.925,"end":2979.205,"sentiment":"neutral","sentiment_score":-0.010099534660444729},{"text":"Sorry?","start":2979.205,"end":2979.705,"sentiment":"neutral","sentiment_score":-0.01058780588209629}],"sentiment":"neutral","sentiment_score":0.04978292395004674,"num_words":17,"start":2969.88,"end":2979.705},{"sentences":[{"text":"Yep.","start":2981.445,"end":2981.845,"sentiment":"neutral","sentiment_score":0.1478165239095688},{"text":"That's okay.","start":2981.845,"end":2982.405,"sentiment":"neutral","sentiment_score":0.3086051493883133},{"text":"Because I can just sort of work out if it's the right interest rate.","start":2982.405,"end":2985.765,"sentiment":"neutral","sentiment_score":0.24641765015465872},{"text":"So 5.40.","start":2985.765,"end":2987.31,"sentiment":"neutral","sentiment_score":0.08497988060116768},{"text":"100 by 50 thousand.","start":2988.27,"end":2989.6501,"sentiment":"neutral","sentiment_score":-0.08006425015628338}],"sentiment":"neutral","sentiment_score":0.17672072545341824,"num_words":23,"start":2981.445,"end":2989.6501},{"sentences":[{"text":"40 thousand.","start":2992.83,"end":2993.73,"sentiment":"neutral","sentiment_score":0.08011917769908905},{"text":"Okay.","start":3000.59,"end":3001.09,"sentiment":"neutral","sentiment_score":0.03519032150506973},{"text":"Divide that by twelve months.","start":3001.7349,"end":3003.835,"sentiment":"neutral","sentiment_score":0.011589476466178894},{"text":"Uh-huh.","start":3004.375,"end":3004.455,"sentiment":"neutral","sentiment_score":-0.0003075808344874531},{"text":"Did you say the interest is about a $180 a month?","start":3004.455,"end":3007.595,"sentiment":"neutral","sentiment_score":-0.02925039810890501}],"sentiment":"neutral","sentiment_score":-0.003434295039915014,"num_words":20,"start":2992.83,"end":3007.595},{"sentences":[{"text":"Okay.","start":3010.615,"end":3011.095,"sentiment":"neutral","sentiment_score":-0.04320952296257019},{"text":"So it might worth to add on a little bit less.","start":3011.095,"end":3013.435,"sentiment":"neutral","sentiment_score":-0.07953331754966216},{"text":"So because 5 point four zero you're at sorry.","start":3014.46,"end":3018.64,"sentiment":"neutral","sentiment_score":-0.040717472011844315},{"text":"So 5.40% per annum, so per year on 40,000, over twelve months gives you 2,160.","start":3020.54,"end":3030.065,"sentiment":"neutral","sentiment_score":0.006654472152392069},{"text":"Divide that by twelve months means you get a $180 per month interest on 40,000.","start":3030.065,"end":3036.085,"sentiment":"neutral","sentiment_score":0.03852062250177066}],"sentiment":"neutral","sentiment_score":-0.011900134202019842,"num_words":51,"start":3010.615,"end":3036.085},{"sentences":[{"text":"Yep.","start":3038.865,"end":3039.12,"sentiment":"neutral","sentiment_score":-0.025057820603251457},{"text":"That makes sense.","start":3046.8801,"end":3047.6,"sentiment":"neutral","sentiment_score":0.029924432436625164},{"text":"And you have about 30 four.","start":3047.6,"end":3049.54,"sentiment":"neutral","sentiment_score":0.012370410685737928},{"text":"Yes.","start":3050.08,"end":3050.58,"sentiment":"neutral","sentiment_score":0.2530258297920227},{"text":"Yeah.","start":3052.4001,"end":3052.7202,"sentiment":"neutral","sentiment_score":0.21703287959098816}],"sentiment":"neutral","sentiment_score":0.05074972085033854,"num_words":12,"start":3038.865,"end":3052.7202},{"sentences":[{"text":"Oh, yeah.","start":3052.7202,"end":3052.8936,"sentiment":"neutral","sentiment_score":0.18029643595218658},{"text":"Definitely.","start":3052.8936,"end":3052.9067,"sentiment":"neutral","sentiment_score":0.2901204824447632},{"text":"So if I work it on the 34,000 for you, $153 even.","start":3052.9067,"end":3063.535,"sentiment":"neutral","sentiment_score":0.18158803010980287},{"text":"So, yeah, it's still a very good interest rate.","start":3063.535,"end":3066.275,"sentiment":"neutral","sentiment_score":0.16635344094700283},{"text":"Yeah.","start":3066.4949,"end":3066.9,"sentiment":"neutral","sentiment_score":0.07973278313875198}],"sentiment":"neutral","sentiment_score":0.17626733869314193,"num_words":25,"start":3052.7202,"end":3066.9},{"sentences":[{"text":"Beautiful.","start":3068.5798,"end":3069.0798,"sentiment":"neutral","sentiment_score":0.2700080871582031},{"text":"Absolutely.","start":3073.94,"end":3074.44,"sentiment":"positive","sentiment_score":0.4257029891014099},{"text":"So pop that in there.","start":3075.6199,"end":3076.9,"sentiment":"positive","sentiment_score":0.38131277561187743},{"text":"Fantastic.","start":3076.9,"end":3077.4,"sentiment":"positive","sentiment_score":0.6703172922134399},{"text":"I've also yeah.","start":3078.18,"end":3080.625,"sentiment":"neutral","sentiment_score":0.20706358551979065}],"sentiment":"positive","sentiment_score":0.35398027300834656,"num_words":11,"start":3068.5798,"end":3080.625},{"sentences":[{"text":"You could do.","start":3085.265,"end":3086.405,"sentiment":"neutral","sentiment_score":0.021909177924195927},{"text":"You could do.","start":3086.705,"end":3087.765,"sentiment":"neutral","sentiment_score":0.030670564621686935},{"text":"I would just wanna make sure that you're not planning to use that yet.","start":3087.825,"end":3090.785,"sentiment":"neutral","sentiment_score":-0.05688339312161718},{"text":"So because, realistically, you are still working.","start":3090.785,"end":3093.925,"sentiment":"neutral","sentiment_score":-0.028372561292988912},{"text":"If you have, you know, holidays or large bills or something coming up where you might wanna use those funds.","start":3094.385,"end":3100.02,"sentiment":"neutral","sentiment_score":-0.0003200933337211608}],"sentiment":"neutral","sentiment_score":-0.017949746208305053,"num_words":47,"start":3085.265,"end":3100.02},{"sentences":[{"text":"But if you wanted to, we can hold off for now.","start":3100.96,"end":3103.6,"sentiment":"neutral","sentiment_score":-0.052314810793508186},{"text":"And then just down the track, we can talk more about what your goals are with that money, whether you do wanna look at adding your industry.","start":3103.6,"end":3109.28,"sentiment":"neutral","sentiment_score":0.056672170758247375},{"text":"But does that sound okay?","start":3109.28,"end":3112.235,"sentiment":"neutral","sentiment_score":0.0678513690829277},{"text":"Yeah.","start":3112.235,"end":3112.735,"sentiment":"neutral","sentiment_score":0.08379186689853668},{"text":"Don't wanna say yes.","start":3112.875,"end":3113.995,"sentiment":"neutral","sentiment_score":-0.012554545304737985}],"sentiment":"neutral","sentiment_score":0.027656587975798175,"num_words":48,"start":3100.96,"end":3113.995},{"sentences":[{"text":"Let's do it right now and have you go, oh my god.","start":3113.995,"end":3115.995,"sentiment":"neutral","sentiment_score":0.03730645341177782},{"text":"I put that money into super, and, oh my god.","start":3115.995,"end":3117.5952,"sentiment":"neutral","sentiment_score":-0.01520655257627368},{"text":"I need it back a little bit because we kinda can't draw it back out unless we meet that condition of release or open up the TTR account.","start":3117.5952,"end":3125.01,"sentiment":"neutral","sentiment_score":-0.04650783731735179},{"text":"It's a little bit more of a process to do that.","start":3125.09,"end":3127.09,"sentiment":"neutral","sentiment_score":0.02844442477957769},{"text":"So if we just do it in smaller increments, we do the investments now, then we can come back and talk about your savings and the TTR side of things, and we can kind of move forward in slower, steady paces to make it a bit easier on yourself.","start":3127.09,"end":3142.075,"sentiment":"neutral","sentiment_score":0.12888645624019662}],"sentiment":"neutral","sentiment_score":0.05110652271488851,"num_words":110,"start":3113.995,"end":3142.075},{"sentences":[{"text":"Does that work out okay?","start":3142.075,"end":3143.375,"sentiment":"neutral","sentiment_score":0.1760668933391571},{"text":"Yeah.","start":3144.7148,"end":3145.1948,"sentiment":"neutral","sentiment_score":0.1933418810367584},{"text":"Beautiful.","start":3145.1948,"end":3145.6948,"sentiment":"positive","sentiment_score":0.6125809550285339},{"text":"I don't wanna do too much at once and kind of make it overwhelming for you.","start":3145.755,"end":3149.9949,"sentiment":"neutral","sentiment_score":-0.1299933474510908},{"text":"Starting small is there's nothing wrong with that.","start":3149.9949,"end":3152.395,"sentiment":"neutral","sentiment_score":0.0173217065166682}],"sentiment":"neutral","sentiment_score":-0.008227825945904177,"num_words":31,"start":3142.075,"end":3152.395},{"sentences":[{"text":"Okay?","start":3152.395,"end":3152.895,"sentiment":"neutral","sentiment_score":0.05455029755830765},{"text":"Excellent.","start":3153.9148,"end":3154.4148,"sentiment":"positive","sentiment_score":0.5762478113174438},{"text":"And then I've also got you have an investment account, a Premier Investment account, I believe.","start":3155.46,"end":3160.26,"sentiment":"neutral","sentiment_score":0.09956163517199457},{"text":"It was from.","start":3160.26,"end":3161.16,"sentiment":"neutral","sentiment_score":0.02143802773207426},{"text":"Yeah.","start":3163.14,"end":3163.64,"sentiment":"neutral","sentiment_score":0.019765127450227737}],"sentiment":"neutral","sentiment_score":0.10490288555791433,"num_words":22,"start":3152.395,"end":3163.64},{"sentences":[{"text":"Okay.","start":3165.14,"end":3165.64,"sentiment":"neutral","sentiment_score":0.11874609440565108},{"text":"Beautiful.","start":3166.1,"end":3166.6,"sentiment":"positive","sentiment_score":0.6139218807220459},{"text":"I'll update that for you.","start":3166.82,"end":3168.3599,"sentiment":"neutral","sentiment_score":0.2813214182853699},{"text":"Lovely.","start":3169.46,"end":3169.96,"sentiment":"positive","sentiment_score":0.582676112651825},{"text":"Lovely.","start":3170.1,"end":3170.6,"sentiment":"positive","sentiment_score":0.4949464797973633}],"sentiment":"positive","sentiment_score":0.3574330732226372,"num_words":9,"start":3165.14,"end":3170.6},{"sentences":[{"text":"And there are just so you are aware, there are other ways that you can invest for grandkids.","start":3171.435,"end":3176.2551,"sentiment":"neutral","sentiment_score":0.1387508503264851},{"text":"We do have access to, like, investment accounts, investment bonds, and things where you can have the money invested for for them for the future where when that gets handed to them, they get the money tax free.","start":3177.0352,"end":3190.3901,"sentiment":"neutral","sentiment_score":0.12897564804083422},{"text":"So there are, yeah, so there are other ways that we can invest the funds for your grandkids down the track if you're wanting to add more money to it or if you're wanting to invest for them.","start":3191.09,"end":3200.9248,"sentiment":"neutral","sentiment_score":0.056385905187773075},{"text":"So there's other other things that we can do.","start":3201.305,"end":3203.7249,"sentiment":"neutral","sentiment_score":-0.0027899510071923337},{"text":"Yes.","start":3207.2249,"end":3207.7249,"sentiment":"neutral","sentiment_score":0.015574846416711807}],"sentiment":"neutral","sentiment_score":0.09165115015303645,"num_words":104,"start":3171.435,"end":3207.7249},{"sentences":[{"text":"Yeah.","start":3208.505,"end":3208.7449,"sentiment":"neutral","sentiment_score":0.03035157360136509},{"text":"Yeah.","start":3208.7449,"end":3208.9849,"sentiment":"neutral","sentiment_score":0.04825330525636673},{"text":"Absolutely.","start":3208.9849,"end":3209.4849,"sentiment":"neutral","sentiment_score":0.06343734264373779},{"text":"If you had, say, that 7,000 sitting there and how grandkids do you have at the moment?","start":3209.545,"end":3213.95,"sentiment":"neutral","sentiment_score":0.029479039504247552},{"text":"Wow.","start":3218.65,"end":3219.15,"sentiment":"neutral","sentiment_score":0.07119207084178925}],"sentiment":"neutral","sentiment_score":0.034017998281688916,"num_words":21,"start":3208.505,"end":3219.15},{"sentences":[{"text":"Wow.","start":3222.17,"end":3222.67,"sentiment":"neutral","sentiment_score":0.3078944981098175},{"text":"That's incredible.","start":3223.05,"end":3223.87,"sentiment":"positive","sentiment_score":0.47806206345558167},{"text":"That's exciting.","start":3225.21,"end":3226.11,"sentiment":"neutral","sentiment_score":0.2530694529414177},{"text":"Oh, absolutely.","start":3229.735,"end":3231.835,"sentiment":"positive","sentiment_score":0.37355655431747437},{"text":"Yeah.","start":3243.7898,"end":3244.2898,"sentiment":"positive","sentiment_score":0.35996514558792114}],"sentiment":"positive","sentiment_score":0.35965447314083576,"num_words":8,"start":3222.17,"end":3244.2898},{"sentences":[{"text":"Yeah.","start":3246.8298,"end":3247.3298,"sentiment":"neutral","sentiment_score":0.03156771510839462},{"text":"Oh, that's so beautiful.","start":3248.19,"end":3249.65,"sentiment":"positive","sentiment_score":0.6248594895005226},{"text":"Yeah.","start":3250.67,"end":3251.17,"sentiment":"positive","sentiment_score":0.3943382501602173},{"text":"Oh, that's lovely.","start":3251.63,"end":3252.8499,"sentiment":"positive","sentiment_score":0.6646113197008768},{"text":"I'm very excited.","start":3252.91,"end":3253.8699,"sentiment":"positive","sentiment_score":0.833113968372345}],"sentiment":"positive","sentiment_score":0.618209982290864,"num_words":12,"start":3246.8298,"end":3253.8699},{"sentences":[{"text":"Congratulations.","start":3253.8699,"end":3254.3699,"sentiment":"positive","sentiment_score":0.7862664461135864},{"text":"It's very exciting.","start":3255.3098,"end":3256.45,"sentiment":"positive","sentiment_score":0.7118948101997375},{"text":"But, yeah, look, down the track, if you decided to and wanted to you would it would be something that we would need to put more money into, so smaller amounts over time for, you know, compounding.","start":3257.175,"end":3266.155,"sentiment":"neutral","sentiment_score":0.03492049001962752},{"text":"But you can invest in different investment accounts and bonds for for kids to be passed down to grandchildren later in life, you know, ten, fifteen, twenty years down the track.","start":3266.935,"end":3276.1401,"sentiment":"neutral","sentiment_score":0.09789842439274635},{"text":"And it does give them an advantage to have that money invested and growing for them to receive later on down the track as an inheritance or, you know, at a certain age that you deem fit for them to receive the funds?","start":3276.6,"end":3288.3352,"sentiment":"neutral","sentiment_score":0.12613602372449498}],"sentiment":"neutral","sentiment_score":0.11019747116319512,"num_words":115,"start":3253.8699,"end":3288.3352},{"sentences":[{"text":"Pardon me.","start":3288.5552,"end":3289.2952,"sentiment":"neutral","sentiment_score":0.007826349698007109},{"text":"Yeah.","start":3297.435,"end":3297.9,"sentiment":"neutral","sentiment_score":0.020197823643684387},{"text":"Absolutely.","start":3301.8198,"end":3302.3198,"sentiment":"neutral","sentiment_score":0.12527158856391907},{"text":"That's not a problem.","start":3302.94,"end":3303.98,"sentiment":"neutral","sentiment_score":0.15851229429244995},{"text":"But look down the track.","start":3303.98,"end":3304.94,"sentiment":"neutral","sentiment_score":0.10672358721494675}],"sentiment":"neutral","sentiment_score":0.10221455575755009,"num_words":13,"start":3288.5552,"end":3304.94},{"sentences":[{"text":"If there's other goals that you have that you want us to look at as advisers, we can definitely help you in that area as well.","start":3304.94,"end":3310.7,"sentiment":"neutral","sentiment_score":0.18668299426253027},{"text":"Okay?","start":3310.7,"end":3311.2,"sentiment":"neutral","sentiment_score":0.10811679065227509},{"text":"Beautiful.","start":3313.065,"end":3313.565,"sentiment":"positive","sentiment_score":0.3790452778339386},{"text":"The only other thing to sort of look at is your income.","start":3314.265,"end":3318.925,"sentiment":"neutral","sentiment_score":0.0266355755738914},{"text":"Have you done your tax return for this last financial year at all?","start":3318.9849,"end":3322.925,"sentiment":"neutral","sentiment_score":0.016282772215513084}],"sentiment":"neutral","sentiment_score":0.11079665783019561,"num_words":53,"start":3304.94,"end":3322.925},{"sentences":[{"text":"That's okay.","start":3324.265,"end":3325.165,"sentiment":"neutral","sentiment_score":0.05076927877962589},{"text":"That's okay.","start":3326.53,"end":3327.3499,"sentiment":"neutral","sentiment_score":0.06649199873209},{"text":"I have your income noted.","start":3327.5698,"end":3329.17,"sentiment":"neutral","sentiment_score":0.04515260234475136},{"text":"We obviously went on your past income from your last pay slips last time, and income noted there was about 65,115.","start":3329.17,"end":3342.535,"sentiment":"neutral","sentiment_score":0.03753369470082578},{"text":"Do you think your income may have gone up since then?","start":3342.755,"end":3346.355,"sentiment":"neutral","sentiment_score":0.010027746585282412}],"sentiment":"neutral","sentiment_score":0.03314142360738138,"num_words":41,"start":3324.265,"end":3346.355},{"sentences":[{"text":"Because you said you're gonna pay rise?","start":3346.355,"end":3348.055,"sentiment":"neutral","sentiment_score":0.01052751172600048},{"text":"Yep.","start":3350.115,"end":3350.515,"sentiment":"neutral","sentiment_score":0.0539788156747818},{"text":"No.","start":3350.515,"end":3350.675,"sentiment":"neutral","sentiment_score":0.05070976912975311},{"text":"That's okay.","start":3350.675,"end":3351.2349,"sentiment":"neutral","sentiment_score":0.110261719673872},{"text":"That's not a problem at all.","start":3351.2349,"end":3352.275,"sentiment":"neutral","sentiment_score":0.22242599601546922}],"sentiment":"neutral","sentiment_score":0.1019682695486528,"num_words":17,"start":3346.355,"end":3352.275},{"sentences":[{"text":"I'll just keep it at that for the moment, and we can reassess that in greater detail when we do that TTR strategy down the track for you.","start":3352.275,"end":3360.22,"sentiment":"neutral","sentiment_score":0.1873105987906456},{"text":"That's okay.","start":3360.22,"end":3361.04,"sentiment":"neutral","sentiment_score":0.19865670800209045},{"text":"And savings wise, are you managing out of your income to put much in the way of savings aside, or is all of your incomes going to all of your income kinda going towards your expenses?","start":3363.1802,"end":3373.775,"sentiment":"neutral","sentiment_score":0.018348029685310192},{"text":"How are you sort of finding things at the moment?","start":3373.775,"end":3375.875,"sentiment":"neutral","sentiment_score":-0.0041003750637173654},{"text":"Yep.","start":3395.705,"end":3396.205,"sentiment":"neutral","sentiment_score":-0.03998984023928642}],"sentiment":"neutral","sentiment_score":0.08079929428489564,"num_words":77,"start":3352.275,"end":3396.205},{"sentences":[{"text":"Okay.","start":3406.2651,"end":3406.7651,"sentiment":"neutral","sentiment_score":0.0150064155459404},{"text":"So there's sort of no no set figure that you're finding that you're able to put away?","start":3407.065,"end":3411.52,"sentiment":"neutral","sentiment_score":-0.03287817362476798},{"text":"Is this whatever you've got left over at the end of the week depending on the bills?","start":3411.58,"end":3415.12,"sentiment":"neutral","sentiment_score":-0.04970541245797101},{"text":"Yep.","start":3417.58,"end":3418.08,"sentiment":"neutral","sentiment_score":0.05803845077753067},{"text":"Yep.","start":3418.86,"end":3419.18,"sentiment":"neutral","sentiment_score":0.07491059601306915}],"sentiment":"neutral","sentiment_score":-0.033945013542433046,"num_words":37,"start":3406.2651,"end":3419.18},{"sentences":[{"text":"That's okay.","start":3419.18,"end":3420.0,"sentiment":"neutral","sentiment_score":0.13861437886953354},{"text":"So I'll just write here all of income goes to expenses and anything left over depending on the week that stays in the account for use later on.","start":3420.94,"end":3428.715,"sentiment":"neutral","sentiment_score":0.05735367995553783},{"text":"Does that sound okay?","start":3428.715,"end":3429.855,"sentiment":"neutral","sentiment_score":0.04007417429238558},{"text":"Yep.","start":3429.915,"end":3430.415,"sentiment":"neutral","sentiment_score":0.03903886675834656},{"text":"Beautiful.","start":3437.195,"end":3437.695,"sentiment":"positive","sentiment_score":0.5544138550758362}],"sentiment":"neutral","sentiment_score":0.07324670043049587,"num_words":36,"start":3419.18,"end":3437.695},{"sentences":[{"text":"Beautiful.","start":3438.78,"end":3439.28,"sentiment":"positive","sentiment_score":0.6182727813720703},{"text":"Excellent.","start":3439.34,"end":3439.74,"sentiment":"positive","sentiment_score":0.5956708192825317},{"text":"Employer contributions, I've got that here based on income for you, and I can double check that with your Netwealth Superfund.","start":3439.74,"end":3446.56,"sentiment":"neutral","sentiment_score":0.18386427525963103},{"text":"That's absolutely okay.","start":3446.62,"end":3447.9202,"sentiment":"neutral","sentiment_score":0.3075848122437795},{"text":"The salary sacrifice.","start":3449.74,"end":3451.12,"sentiment":"neutral","sentiment_score":-0.1116763527194659}],"sentiment":"neutral","sentiment_score":0.19526961240275154,"num_words":29,"start":3438.78,"end":3451.12},{"sentences":[{"text":"Now your salary salary packaging sorry, onto the card, and you said your salary packaging over overall about a thousand dollars a week.","start":3451.18,"end":3460.085,"sentiment":"neutral","sentiment_score":-0.07614616984906404},{"text":"Is that right?","start":3460.085,"end":3460.9048,"sentiment":"neutral","sentiment_score":-0.03256220556795597},{"text":"Yep.","start":3463.125,"end":3463.625,"sentiment":"neutral","sentiment_score":-0.009499712847173214},{"text":"Perfect.","start":3464.9648,"end":3465.4648,"sentiment":"neutral","sentiment_score":0.1323639452457428},{"text":"What's it called?","start":3476.0,"end":3477.38,"sentiment":"neutral","sentiment_score":-0.027026036754250526}],"sentiment":"neutral","sentiment_score":-0.058298787132145896,"num_words":31,"start":3451.18,"end":3477.38},{"sentences":[{"text":"I can have a look for you.","start":3477.52,"end":3479.3,"sentiment":"neutral","sentiment_score":-0.02496401366910764},{"text":"Regional benefits.","start":3482.88,"end":3484.18,"sentiment":"neutral","sentiment_score":0.01925465278327465},{"text":"Let's have a look and see what we can find.","start":3487.5752,"end":3489.595,"sentiment":"neutral","sentiment_score":0.040153761580586436},{"text":"Did they tell you that it was due to being in a regional area?","start":3501.19,"end":3507.3699,"sentiment":"neutral","sentiment_score":0.004506773049277919},{"text":"And what's the name of the the salary packaging company that you do it through?","start":3510.31,"end":3515.115,"sentiment":"neutral","sentiment_score":0.049738649278879166}],"sentiment":"neutral","sentiment_score":0.022384862240869552,"num_words":48,"start":3477.52,"end":3515.115},{"sentences":[{"text":"Easy Way.","start":3516.775,"end":3517.755,"sentiment":"neutral","sentiment_score":0.19055382907390594},{"text":"Easy salary packaging.","start":3526.855,"end":3528.53,"sentiment":"neutral","sentiment_score":0.1920968641837438},{"text":"Sorry.","start":3556.0798,"end":3556.4,"sentiment":"neutral","sentiment_score":0.005222626030445099},{"text":"I'm just having a quick look at the site to see what the options are.","start":3556.4,"end":3560.66,"sentiment":"neutral","sentiment_score":0.036140734205643336},{"text":"It doesn't really say anything specific about it.","start":3568.3198,"end":3574.955,"sentiment":"neutral","sentiment_score":-0.11987644713371992}],"sentiment":"neutral","sentiment_score":0.01881794181877169,"num_words":29,"start":3516.775,"end":3574.955},{"sentences":[{"text":"It's got to do with the a yeah.","start":3577.295,"end":3580.015,"sentiment":"neutral","sentiment_score":0.07402453431859612},{"text":"It's got to do with the a c oh, absolutely.","start":3580.015,"end":3583.795,"sentiment":"neutral","sentiment_score":0.13795979246497153},{"text":"Yeah.","start":3584.2898,"end":3584.45,"sentiment":"neutral","sentiment_score":0.07348375022411346},{"text":"It's got to do with the ATO definition of a remote area.","start":3584.45,"end":3587.5698,"sentiment":"neutral","sentiment_score":0.08341890418281157},{"text":"So a regional or remote area salary sacrifice arrangement lets you pay for housing utility costs using pretax income.","start":3587.5698,"end":3594.7698,"sentiment":"neutral","sentiment_score":0.13371428455177106}],"sentiment":"neutral","sentiment_score":0.11173752412199973,"num_words":50,"start":3577.295,"end":3594.7698},{"sentences":[{"text":"You must live and work in an ATO defined remote area, and your employer must offer the salary packaging.","start":3594.7698,"end":3601.365,"sentiment":"neutral","sentiment_score":0.0794896865753751},{"text":"50 percent of eligible costs are exempt for the discounts from caps lowering your taxable income.","start":3601.9849,"end":3608.085,"sentiment":"neutral","sentiment_score":0.0672813281416893},{"text":"So it's got to do with the ATO definitions of where a regional area is located, but you obviously come into that kind of area.","start":3608.145,"end":3617.49,"sentiment":"neutral","sentiment_score":0.042433386147022245},{"text":"So when yeah.","start":3617.49,"end":3618.69,"sentiment":"neutral","sentiment_score":0.030992630869150162},{"text":"Correct.","start":3618.69,"end":3619.0898,"sentiment":"neutral","sentiment_score":0.05126016214489937}],"sentiment":"neutral","sentiment_score":0.05924809380667284,"num_words":64,"start":3594.7698,"end":3619.0898},{"sentences":[{"text":"In the category.","start":3619.0898,"end":3619.91,"sentiment":"neutral","sentiment_score":0.02468696174522241},{"text":"Yeah.","start":3619.97,"end":3620.3699,"sentiment":"neutral","sentiment_score":0.053595319390296936},{"text":"So what I would probably look to do with your TTR strategy is look at what your your total income is, and then we break down what you've got coming out of that.","start":3620.3699,"end":3630.845,"sentiment":"neutral","sentiment_score":0.07617762639667049},{"text":"So your salary packaging arrangements are deducted from that.","start":3630.845,"end":3635.345,"sentiment":"neutral","sentiment_score":0.09429278100530307},{"text":"So for your rent and then the salary packaging arrangement onto the card is then deducted from that, and that tells us how much your take your taxable income is or how much income you pay tax on.","start":3635.565,"end":3646.1602,"sentiment":"neutral","sentiment_score":0.09579325555578659}],"sentiment":"neutral","sentiment_score":0.0848844835224251,"num_words":84,"start":3619.0898,"end":3646.1602},{"sentences":[{"text":"And if you're looking unless you're looking at that page again with that TCR strategy there, if you're looking at page number 30.","start":3646.3,"end":3654.8801,"sentiment":"neutral","sentiment_score":-0.03252875950673352},{"text":"Sorry.","start":3655.235,"end":3655.735,"sentiment":"neutral","sentiment_score":-0.06460829079151154},{"text":"If I go back to the salary sacrifice page, that's page number 27.","start":3655.955,"end":3663.415,"sentiment":"neutral","sentiment_score":-0.04691492293316584},{"text":"Yes.","start":3665.635,"end":3666.135,"sentiment":"neutral","sentiment_score":-0.009617806412279606},{"text":"So if you're looking at that page with your two positions, you've got your current.","start":3666.195,"end":3670.355,"sentiment":"neutral","sentiment_score":0.04502634008725484}],"sentiment":"neutral","sentiment_score":-0.014280876654358406,"num_words":53,"start":3646.3,"end":3670.355},{"sentences":[{"text":"So what we wanna do with looking at your salary packaging is look at your we'll work at your total taxable income, which we had noted as $65,001.01 5.","start":3670.355,"end":3681.23,"sentiment":"neutral","sentiment_score":0.05090886893971213},{"text":"Then we subtract from that your salary packaging.","start":3681.6099,"end":3684.7048,"sentiment":"neutral","sentiment_score":0.024515869561582804},{"text":"And then also from that again, subtract what your salary packaging onto your card, so your rent plus your card.","start":3685.005,"end":3691.1848,"sentiment":"neutral","sentiment_score":0.049351496063172816},{"text":"And then anything after that is what your employer pays tax on.","start":3691.4849,"end":3695.4849,"sentiment":"neutral","sentiment_score":0.043153755056361355},{"text":"So that becomes your take home pay from that amount is, and then we work out how much you can put in the super as a salary sacrifice arrangement to increase your contributions and then how much we draw out to keep your take home pay what it is currently.","start":3695.4849,"end":3718.375,"sentiment":"neutral","sentiment_score":0.24437297224998475}],"sentiment":"neutral","sentiment_score":0.12937821638809532,"num_words":119,"start":3670.355,"end":3718.375},{"sentences":[{"text":"Does that make sense?","start":3718.595,"end":3719.655,"sentiment":"neutral","sentiment_score":0.16549836471676826},{"text":"So your take home pay, we would be working out is not your total with your salary packaging onto that card.","start":3719.875,"end":3726.8599,"sentiment":"neutral","sentiment_score":0.13802249623196466},{"text":"It's the essentially, the total that you get paid from your employer after the taxes the income tax comes out.","start":3727.0,"end":3733.48,"sentiment":"neutral","sentiment_score":0.11337689980864525},{"text":"Does that make sense there for you?","start":3733.48,"end":3735.3398,"sentiment":"neutral","sentiment_score":0.16786055266857147},{"text":"Yeah.","start":3736.68,"end":3737.18,"sentiment":"neutral","sentiment_score":0.04907747358083725}],"sentiment":"neutral","sentiment_score":0.1330585890221146,"num_words":53,"start":3718.595,"end":3737.18},{"sentences":[{"text":"It is.","start":3738.3599,"end":3738.92,"sentiment":"neutral","sentiment_score":0.08971654996275902},{"text":"Yeah.","start":3738.92,"end":3739.3198,"sentiment":"neutral","sentiment_score":0.0974644124507904},{"text":"Yeah.","start":3739.3198,"end":3739.72,"sentiment":"neutral","sentiment_score":0.12587137520313263},{"text":"So that's how we would work out your salary sacrifice and your in and the pension drawdown, that transition pension drawdown around your salary packaging arrangement, essentially.","start":3739.72,"end":3751.515,"sentiment":"neutral","sentiment_score":0.1248105118672053},{"text":"Does that make sense?","start":3751.575,"end":3752.7148,"sentiment":"neutral","sentiment_score":0.13983942195773125}],"sentiment":"neutral","sentiment_score":0.12377172559499741,"num_words":35,"start":3738.3599,"end":3752.7148},{"sentences":[{"text":"Yeah.","start":3754.055,"end":3754.41,"sentiment":"neutral","sentiment_score":0.10108740627765656},{"text":"There's a lot to it, and I'm very sorry.","start":3754.5698,"end":3756.49,"sentiment":"neutral","sentiment_score":-0.21539189087020028},{"text":"I hope this has clarified things.","start":3756.49,"end":3758.51,"sentiment":"neutral","sentiment_score":-0.21119255075852075},{"text":"Is there more questions that have come out of it?","start":3758.65,"end":3761.0698,"sentiment":"neutral","sentiment_score":-0.09307562373578548},{"text":"You're allowed to ask any other questions you have.","start":3761.69,"end":3764.01,"sentiment":"neutral","sentiment_score":0.1695526283648279}],"sentiment":"neutral","sentiment_score":-0.0716964999479907,"num_words":35,"start":3754.055,"end":3764.01},{"sentences":[{"text":"Is there anything else that's kinda come up that's, you know, might be concerned or you just need a It'll come down to the rate it It'll come down to the rate it'll come down to the research, but let's start small.","start":3764.01,"end":3787.3801,"sentiment":"neutral","sentiment_score":0.021452567883811537},{"text":"Let's do the reduction of risk, and we'll do the investment switching first.","start":3787.3801,"end":3793.4001,"sentiment":"neutral","sentiment_score":0.12266295403242111},{"text":"And then we'll come back later and do that transition to retirement strategy and look at what we can do there and how that works based on your income at the time.","start":3794.02,"end":3802.685,"sentiment":"neutral","sentiment_score":0.26355694280937314},{"text":"Does that sound okay?","start":3802.685,"end":3803.825,"sentiment":"neutral","sentiment_score":0.26030809059739113},{"text":"Yep.","start":3805.805,"end":3806.305,"sentiment":"neutral","sentiment_score":0.27023953199386597}],"sentiment":"neutral","sentiment_score":0.13305348171548836,"num_words":92,"start":3764.01,"end":3806.305},{"sentences":[{"text":"Yeah.","start":3810.525,"end":3810.78,"sentiment":"neutral","sentiment_score":0.05450513958930969},{"text":"Yeah.","start":3810.78,"end":3811.28,"sentiment":"neutral","sentiment_score":0.09630201011896132},{"text":"Yeah.","start":3817.9001,"end":3818.3,"sentiment":"neutral","sentiment_score":0.15565446019172668},{"text":"Yeah.","start":3818.3,"end":3818.7,"sentiment":"neutral","sentiment_score":0.22725799679756165},{"text":"Absolutely.","start":3818.7,"end":3819.2,"sentiment":"positive","sentiment_score":0.341666042804718}],"sentiment":"neutral","sentiment_score":0.17507712990045549,"num_words":5,"start":3810.525,"end":3819.2},{"sentences":[{"text":"So just to clarify, at 65 dropping a day, is that saying that we've started that transition account, or is that just in general if you, you know, wanted to drop a day?","start":3819.5,"end":3831.245,"sentiment":"neutral","sentiment_score":0.03657247425254547},{"text":"Is this Yeah.","start":3831.245,"end":3833.985,"sentiment":"neutral","sentiment_score":0.02151910463968913},{"text":"Yeah.","start":3837.405,"end":3837.69,"sentiment":"neutral","sentiment_score":-0.07442039251327515},{"text":"Yep.","start":3839.6099,"end":3840.1099,"sentiment":"neutral","sentiment_score":0.05155571550130844},{"text":"Oh, absolutely.","start":3847.05,"end":3847.8699,"sentiment":"neutral","sentiment_score":0.31313352286815643}],"sentiment":"neutral","sentiment_score":0.04687128332443535,"num_words":40,"start":3819.5,"end":3847.8699},{"sentences":[{"text":"So what we'll do to start with is, again, we'll look at your payslip.","start":3848.17,"end":3851.0698,"sentiment":"neutral","sentiment_score":0.13982812740973063},{"text":"I like to get a payslip because it does kinda give me clarification on how much you're earning.","start":3851.29,"end":3855.845,"sentiment":"neutral","sentiment_score":0.18836942397885853},{"text":"We'll look at what your your hourly rate is.","start":3856.465,"end":3859.345,"sentiment":"neutral","sentiment_score":0.09480231089724435},{"text":"So we'll work out how many hours that is gonna be for you.","start":3859.345,"end":3863.125,"sentiment":"neutral","sentiment_score":0.1032610830779259},{"text":"We'll work at your hourly rate versus the amount of hours you're going to work.","start":3863.665,"end":3867.15,"sentiment":"neutral","sentiment_score":0.07768143216768901}],"sentiment":"neutral","sentiment_score":0.12621854747767033,"num_words":69,"start":3848.17,"end":3867.15},{"sentences":[{"text":"If you're still salary packaging, we'll try to deduct that out, and we still wanna look at your taxable income.","start":3867.15,"end":3873.63,"sentiment":"neutral","sentiment_score":0.07284852992743254},{"text":"So we wanna know what your your taxable income is that your your employer is paying tax on.","start":3873.63,"end":3879.945,"sentiment":"neutral","sentiment_score":0.06259359253777398},{"text":"We then work out so we just wanna basically work out what that is with your full your current hours.","start":3879.945,"end":3886.2651,"sentiment":"neutral","sentiment_score":0.08472474832087755},{"text":"If it's full time hours, thirty eight hours a week, I think you're doing sixty four hours per fortnight.","start":3886.2651,"end":3890.665,"sentiment":"neutral","sentiment_score":0.07437894434521072},{"text":"Is that still fairly accurate?","start":3890.665,"end":3892.0452,"sentiment":"neutral","sentiment_score":0.1077014997601509}],"sentiment":"neutral","sentiment_score":0.07597387404885234,"num_words":82,"start":3867.15,"end":3892.0452},{"sentences":[{"text":"Yeah.","start":3892.92,"end":3893.16,"sentiment":"neutral","sentiment_score":0.22446714341640472},{"text":"So we'd essentially look at your hourly rate versus sixty four hours per fortnight.","start":3893.16,"end":3897.5,"sentiment":"neutral","sentiment_score":0.1000408510777301},{"text":"And then if you were to drop one day per week and say that went to sixty, say, sixty, fifty eight hours per fortnight, give or take, we would then do the same math and work out your hourly rate versus, say, fifty eight hours per fortnight and work out the difference.","start":3897.8,"end":3914.445,"sentiment":"neutral","sentiment_score":0.01547615338439265},{"text":"The difference between those two is what you need to draw down to keep your take home pay the same.","start":3914.7449,"end":3920.36,"sentiment":"neutral","sentiment_score":0.03358439882285893},{"text":"So we're basically looking at what you earn prior to the change, what you earn after the change, and what the difference is, and keeping your take home pay level the exact same.","start":3920.4202,"end":3931.3801,"sentiment":"neutral","sentiment_score":0.03752699652404496}],"sentiment":"neutral","sentiment_score":0.03616564913536422,"num_words":120,"start":3892.92,"end":3931.3801},{"sentences":[{"text":"And, again, we can do the pension account so that the money comes out of your super fund.","start":3931.3801,"end":3937.445,"sentiment":"neutral","sentiment_score":0.055408262751168676},{"text":"The day that your income is supposed to be paid from your employer or a day around it, if you get paid fortnightly and you just wanted to supplement it, I've got some clients who receive their income payments on the week where they don't receive anything from their employer.","start":3937.665,"end":3952.73,"sentiment":"neutral","sentiment_score":0.04930008877068758},{"text":"That way, they have money coming in every week.","start":3952.79,"end":3955.53,"sentiment":"neutral","sentiment_score":0.06888341945078638},{"text":"It's a different amount every week, but there's money coming in every week to sustain them a little bit.","start":3955.59,"end":3961.365,"sentiment":"neutral","sentiment_score":0.052793703385089576},{"text":"Yeah.","start":3963.605,"end":3964.085,"sentiment":"neutral","sentiment_score":0.12929119169712067}],"sentiment":"neutral","sentiment_score":0.05375954122810634,"num_words":97,"start":3931.3801,"end":3964.085},{"sentences":[{"text":"There's lots of different things that we can do, lots of different options that we can help you with.","start":3964.085,"end":3968.645,"sentiment":"neutral","sentiment_score":0.14433701061888746},{"text":"It's just about breaking it down so that you understand what we're doing, how we're doing it, and just slowing the process down a little bit for you so you can sort of feel a bit more comfortable each step of the way.","start":3968.645,"end":3981.11,"sentiment":"neutral","sentiment_score":0.13302811365141426},{"text":"Yeah.","start":3981.4102,"end":3981.9102,"sentiment":"neutral","sentiment_score":0.1253112256526947},{"text":"Oh, good.","start":3984.05,"end":3984.87,"sentiment":"positive","sentiment_score":0.45804280042648315},{"text":"I'm really glad that's helping you a lot.","start":3989.735,"end":3992.235,"sentiment":"positive","sentiment_score":0.7908875495195389}],"sentiment":"neutral","sentiment_score":0.216864511115502,"num_words":73,"start":3964.085,"end":3992.235},{"sentences":[{"text":"You're always welcome to ask questions, and I definitely, Sharon, do encourage asking questions.","start":3992.295,"end":3996.855,"sentiment":"positive","sentiment_score":0.5020969722952161},{"text":"I think it's really great because it sort of helps to clarify and understand things.","start":3996.855,"end":4001.335,"sentiment":"positive","sentiment_score":0.6045647223790487},{"text":"I mean, it's sort of I try to break it down as much as possible, but it's always sort of hard to understand how the other person on the other end of things is taking it.","start":4001.335,"end":4008.7202,"sentiment":"neutral","sentiment_score":0.0888363126044472},{"text":"So please feel free to ask questions as often as you need.","start":4008.7202,"end":4012.4202,"sentiment":"neutral","sentiment_score":0.27675364539027214},{"text":"I can clarify things as as regularly as you need me to just to make sure that you're understanding what we're doing and how we're doing it, why we're doing it, and how it affects you.","start":4012.6401,"end":4022.441,"sentiment":"neutral","sentiment_score":0.1713581412202782}],"sentiment":"neutral","sentiment_score":0.2547422347804614,"num_words":113,"start":3992.295,"end":4022.441},{"sentences":[{"text":"Because at the end of the day, this is your money, your retirement.","start":4022.441,"end":4027.3445,"sentiment":"neutral","sentiment_score":0.28194103848475677},{"text":"It's part of your income.","start":4027.3445,"end":4029.2305,"sentiment":"positive","sentiment_score":0.38664779663085935},{"text":"We wanna make sure we do the right thing by you and look after it.","start":4029.2305,"end":4034.8884,"sentiment":"neutral","sentiment_score":0.23358508944511414},{"text":"Okay.","start":4034.8884,"end":4035.2656,"sentiment":"neutral","sentiment_score":0.050418671220541},{"text":"All good.","start":4035.2656,"end":4036.02,"sentiment":"neutral","sentiment_score":0.17417357116937637}],"sentiment":"neutral","sentiment_score":0.2639170732970039,"num_words":36,"start":4022.441,"end":4036.02},{"sentences":[{"text":"They not no.","start":4040.02,"end":4041.22,"sentiment":"negative","sentiment_score":-0.39254894852638245},{"text":"Not no not in the same way we do.","start":4041.22,"end":4043.22,"sentiment":"negative","sentiment_score":-0.3645988172954983},{"text":"So, essentially, if with an industry fund that they're just a vehicle, the biggest thing to think about a super fund is it's a vehicle.","start":4043.22,"end":4049.485,"sentiment":"neutral","sentiment_score":-0.11598735600709915},{"text":"So think of it like your car.","start":4049.485,"end":4051.505,"sentiment":"neutral","sentiment_score":-0.005153165864092963},{"text":"You put your you get into your car, but without fuel, you don't go anywhere.","start":4051.725,"end":4055.425,"sentiment":"neutral","sentiment_score":-0.06501988445719083}],"sentiment":"neutral","sentiment_score":-0.14186594117495974,"num_words":59,"start":4040.02,"end":4055.425},{"sentences":[{"text":"Your investments are your fuel.","start":4056.045,"end":4058.065,"sentiment":"neutral","sentiment_score":0.028205618262290955},{"text":"You're putting the invest the super fund is just a vehicle.","start":4058.205,"end":4061.645,"sentiment":"neutral","sentiment_score":0.04203531924973835},{"text":"So whether it's hub twenty four, Hestar, whether it's host class or Netwealth, for example, they're just a vehicle.","start":4061.645,"end":4068.8,"sentiment":"neutral","sentiment_score":0.04826435780054644},{"text":"What really makes your money worth is the underlying investments.","start":4068.8,"end":4071.94,"sentiment":"neutral","sentiment_score":0.08035576865077018},{"text":"With the industry funds, you do have very limited investments.","start":4072.64,"end":4075.6199,"sentiment":"neutral","sentiment_score":-0.08500187993049621}],"sentiment":"neutral","sentiment_score":0.02679960524493998,"num_words":55,"start":4056.045,"end":4075.6199},{"sentences":[{"text":"They tend to just find a an average portfolio that suits the the average time horizon that you have, and they'll throw your money into that.","start":4076.08,"end":4084.4048,"sentiment":"neutral","sentiment_score":-0.081968512529364},{"text":"And what happens happens.","start":4084.4048,"end":4085.9448,"sentiment":"neutral","sentiment_score":-0.08251852542161942},{"text":"They have, like, a certain stage where they might move you into something more conservative, or if you're younger, they might have you a bit more risky.","start":4087.125,"end":4094.4302,"sentiment":"neutral","sentiment_score":-0.18765052959874826},{"text":"Whereas with advice, we have a lot more scrutiny around what we do, so we have to do risk profiling.","start":4094.4302,"end":4099.49,"sentiment":"neutral","sentiment_score":-0.08372558224946261},{"text":"Correct.","start":4100.91,"end":4101.41,"sentiment":"neutral","sentiment_score":0.11362284421920776}],"sentiment":"neutral","sentiment_score":-0.11652190419725883,"num_words":78,"start":4076.08,"end":4101.41},{"sentences":[{"text":"Netwealth has a lot more investment options to choose from, so we can make alterations to your portfolio.","start":4101.63,"end":4107.605,"sentiment":"neutral","sentiment_score":0.1897148241599401},{"text":"We have a lot more it's more of a sophisticated platform, investor platform, and you wanna have an adviser who looks after these sorts of things because we do need to change your risk profile more regularly.","start":4107.665,"end":4118.32,"sentiment":"neutral","sentiment_score":0.04309385823639664},{"text":"I mean, with an industry fund with where you are currently, like I'm telling you, we should be reducing your risk level because you are closer to retirement.","start":4118.32,"end":4126.02,"sentiment":"neutral","sentiment_score":0.03689420888466494},{"text":"In an industry fund, you would just sit there until they tell you that, you know, it might be time to change things or move into more cash or something because you're a year out.","start":4126.7197,"end":4136.095,"sentiment":"neutral","sentiment_score":0.011182145827582904},{"text":"Whereas we're looking at this in advance and trying to sort of help you to reduce gradually, make changes so that things are working harder for you.","start":4136.1553,"end":4144.475,"sentiment":"neutral","sentiment_score":0.0857966387713397}],"sentiment":"neutral","sentiment_score":0.060346633028881304,"num_words":145,"start":4101.63,"end":4144.475},{"sentences":[{"text":"We're reviewing your portfolio, your performance.","start":4144.475,"end":4146.6353,"sentiment":"neutral","sentiment_score":0.08732530723015468},{"text":"We're helping you with the TTR strategy.","start":4146.6353,"end":4148.7354,"sentiment":"neutral","sentiment_score":0.17052283031599863},{"text":"If you go to them, they'll say, well, you can only do 10%, and you'll have to do all the math to work out how much you move, where you're invested, what you're doing.","start":4149.1597,"end":4156.6196,"sentiment":"neutral","sentiment_score":0.07622320446021416},{"text":"So with an industry fund, it's a lot more on you.","start":4156.6797,"end":4159.0996,"sentiment":"neutral","sentiment_score":0.03875634666870941},{"text":"Correct.","start":4159.88,"end":4160.38,"sentiment":"neutral","sentiment_score":0.03942887485027313}],"sentiment":"neutral","sentiment_score":0.08093134399061486,"num_words":59,"start":4144.475,"end":4160.38},{"sentences":[{"text":"You pay us to do what's part of our ongoing service fee.","start":4160.76,"end":4163.625,"sentiment":"neutral","sentiment_score":0.07760959615310033},{"text":"So you pay us a service fee to look after things, to provide advice, to help guide you along the way, and to be there and support you and to provide that financial support and that financial advice.","start":4163.625,"end":4173.625,"sentiment":"neutral","sentiment_score":0.15837587161283745},{"text":"So that's what we do.","start":4173.625,"end":4175.04,"sentiment":"neutral","sentiment_score":0.10649188607931137},{"text":"The idea of having an adviser is that they you've given them some goals, and they're here helping you track towards those goals.","start":4175.52,"end":4181.86,"sentiment":"neutral","sentiment_score":0.1854646095763082},{"text":"So yeah.","start":4182.88,"end":4183.94,"sentiment":"neutral","sentiment_score":0.2166363075375557}],"sentiment":"neutral","sentiment_score":0.1522627042606473,"num_words":80,"start":4160.76,"end":4183.94},{"sentences":[{"text":"Yeah.","start":4184.08,"end":4184.58,"sentiment":"neutral","sentiment_score":0.27225977182388306},{"text":"Good.","start":4186.72,"end":4187.22,"sentiment":"positive","sentiment_score":0.3975147306919098},{"text":"Yep.","start":4191.5054,"end":4192.0054,"sentiment":"neutral","sentiment_score":0.08635350316762924},{"text":"Yeah.","start":4196.865,"end":4197.265,"sentiment":"neutral","sentiment_score":0.1710435152053833},{"text":"Absolutely.","start":4197.265,"end":4197.765,"sentiment":"neutral","sentiment_score":0.22999876737594604}],"sentiment":"neutral","sentiment_score":0.23143405765295028,"num_words":5,"start":4184.08,"end":4197.765},{"sentences":[{"text":"Yeah.","start":4197.825,"end":4197.9854,"sentiment":"neutral","sentiment_score":0.15659496188163757},{"text":"So we'll go back.","start":4197.9854,"end":4198.785,"sentiment":"neutral","sentiment_score":0.151023231446743},{"text":"We'll just do up the the portfolio switch again, just reducing risk.","start":4198.785,"end":4203.78,"sentiment":"neutral","sentiment_score":0.19387740703920522},{"text":"We won't go as gradual.","start":4203.78,"end":4205.06,"sentiment":"neutral","sentiment_score":0.2029610276222229},{"text":"We'll move into more of a balanced growth environment for you, and then we'll look at what that looks like.","start":4205.06,"end":4210.1,"sentiment":"neutral","sentiment_score":0.25230975858867166}],"sentiment":"neutral","sentiment_score":0.21781469242913382,"num_words":42,"start":4197.825,"end":4210.1},{"sentences":[{"text":"Then we'll come back in a few months' time and reassess things moving forward a bit closer.","start":4210.1,"end":4215.215,"sentiment":"neutral","sentiment_score":0.18120638982338064},{"text":"I probably actually just want to quickly, if I could we did your risk profile questionnaire a few months ago, but I just wanted to re quickly visit that to just kind of gauge.","start":4215.435,"end":4227.96,"sentiment":"neutral","sentiment_score":0.059001767624388725},{"text":"I had answered most of these previously just with, like, your time horizon and everything.","start":4228.44,"end":4233.82,"sentiment":"neutral","sentiment_score":0.032787659019231793},{"text":"But one of the things I just wanted to I have just three questions I'd like to kind of go through just to kinda clarify.","start":4234.76,"end":4240.94,"sentiment":"neutral","sentiment_score":0.036088035926222804},{"text":"The first question is if you saw your super fall by 20% in the next, say, one to two years, how do you think you might be feeling?","start":4241.7153,"end":4249.1553,"sentiment":"neutral","sentiment_score":-0.03216762002557516}],"sentiment":"neutral","sentiment_score":0.04688984158785403,"num_words":119,"start":4210.1,"end":4249.1553},{"sentences":[{"text":"Do you consider yourself comfortable?","start":4249.1553,"end":4250.935,"sentiment":"neutral","sentiment_score":-0.08148763328790665},{"text":"You're thinking it's an investment opportunity and wanna put more money into the market.","start":4251.395,"end":4256.58,"sentiment":"neutral","sentiment_score":-0.0543146545865706},{"text":"Are you a bit cautious wanting to call us and see what we suggest you do, maybe hold and wait?","start":4256.58,"end":4261.64,"sentiment":"neutral","sentiment_score":-0.12890247702598573},{"text":"Or are you a bit concerned and maybe wanting to sell the investment and put the money into something more secure?","start":4261.6997,"end":4266.92,"sentiment":"neutral","sentiment_score":-0.09621834754943848},{"text":"Out of those three options, where do you think you might fit, Sharon?","start":4267.14,"end":4277.785,"sentiment":"neutral","sentiment_score":-0.02472975434592137}],"sentiment":"neutral","sentiment_score":-0.08339678049597839,"num_words":73,"start":4249.1553,"end":4277.785},{"sentences":[{"text":"Yep.","start":4277.845,"end":4278.345,"sentiment":"neutral","sentiment_score":-0.005815470591187477},{"text":"Yep.","start":4280.085,"end":4280.4854,"sentiment":"neutral","sentiment_score":0.0026080510579049587},{"text":"Yep.","start":4280.4854,"end":4280.9854,"sentiment":"neutral","sentiment_score":0.0031018084846436977},{"text":"Do you think you would be, you know, feeling cautious, maybe calling us and talking to us about the options, or do you think you'd be ringing us and go, hey.","start":4281.285,"end":4289.59,"sentiment":"neutral","sentiment_score":-0.07564656628716376},{"text":"Sell that investment.","start":4289.59,"end":4290.55,"sentiment":"neutral","sentiment_score":-0.14047368367513022}],"sentiment":"neutral","sentiment_score":-0.07477216802638124,"num_words":37,"start":4277.845,"end":4290.55},{"sentences":[{"text":"I wanna get a cash.","start":4290.55,"end":4291.27,"sentiment":"neutral","sentiment_score":-0.09234930276870727},{"text":"I'm a bit concerned and nervous.","start":4291.27,"end":4292.89,"sentiment":"neutral","sentiment_score":-0.20267137388388315},{"text":"Yeah.","start":4297.11,"end":4297.61,"sentiment":"neutral","sentiment_score":0.11488229036331175},{"text":"Perfect.","start":4298.605,"end":4299.105,"sentiment":"positive","sentiment_score":0.41628381609916687},{"text":"Excellent.","start":4300.525,"end":4301.025,"sentiment":"positive","sentiment_score":0.4490467309951782}],"sentiment":"neutral","sentiment_score":-0.04982585140636989,"num_words":14,"start":4290.55,"end":4301.025},{"sentences":[{"text":"And I'm just noting here, so 67 is when we're gonna work on for your time horizon.","start":4301.965,"end":4306.7847,"sentiment":"neutral","sentiment_score":0.2151294578524197},{"text":"So it gives us a four year time horizon to access super.","start":4308.605,"end":4312.2,"sentiment":"neutral","sentiment_score":0.14662547906239828},{"text":"Beautiful.","start":4313.3,"end":4313.8,"sentiment":"positive","sentiment_score":0.5806384086608887},{"text":"I'll tick the box there.","start":4315.54,"end":4316.92,"sentiment":"positive","sentiment_score":0.3840552806854248},{"text":"I've noted here with regards to the average return you're like you're hoping to achieve, we wanted to get the best possible return you can from your super.","start":4318.34,"end":4325.38,"sentiment":"positive","sentiment_score":0.34066186898521017}],"sentiment":"neutral","sentiment_score":0.2770818043795843,"num_words":63,"start":4301.965,"end":4325.38},{"sentences":[{"text":"Am I on the right track with that one?","start":4325.38,"end":4326.915,"sentiment":"neutral","sentiment_score":0.29972096780935925},{"text":"Happy to tick that box.","start":4326.915,"end":4328.215,"sentiment":"positive","sentiment_score":0.4934438645839691},{"text":"Yep.","start":4329.315,"end":4329.715,"sentiment":"neutral","sentiment_score":0.2628191113471985},{"text":"Beautiful.","start":4329.715,"end":4330.215,"sentiment":"neutral","sentiment_score":0.11895228922367096},{"text":"And the other one here is thinking about your super in the past, have you ever seen your super fall in value?","start":4330.275,"end":4336.055,"sentiment":"neutral","sentiment_score":-0.07871932519430463}],"sentiment":"neutral","sentiment_score":0.100385638934217,"num_words":38,"start":4325.38,"end":4336.055},{"sentences":[{"text":"I know we do see market ups and downs, but have you ever seen your super fall in value in the past?","start":4336.355,"end":4341.32,"sentiment":"neutral","sentiment_score":-0.09744642945853146},{"text":"But even before that, have you seen a falling value before that at all?","start":4342.58,"end":4346.6797,"sentiment":"neutral","sentiment_score":-0.1245579615767513},{"text":"Yeah.","start":4348.58,"end":4349.08,"sentiment":"neutral","sentiment_score":0.010718798264861109},{"text":"Yep.","start":4349.3,"end":4349.8,"sentiment":"neutral","sentiment_score":0.015693137422204018},{"text":"Okay.","start":4357.715,"end":4358.215,"sentiment":"neutral","sentiment_score":-0.07617843151092529}],"sentiment":"neutral","sentiment_score":-0.10095895912784797,"num_words":39,"start":4336.355,"end":4358.215},{"sentences":[{"text":"Yep.","start":4360.755,"end":4361.255,"sentiment":"neutral","sentiment_score":-0.06572213023900986},{"text":"No.","start":4363.075,"end":4363.315,"sentiment":"neutral","sentiment_score":-0.09283265471458436},{"text":"That's okay.","start":4363.315,"end":4363.98,"sentiment":"neutral","sentiment_score":-0.02751178853213787},{"text":"Thinking that you're super now because we know markets will go up and down, and no matter what portfolio you're in, you will see those ups and downs.","start":4364.62,"end":4371.34,"sentiment":"neutral","sentiment_score":-0.03385827672069094},{"text":"It's about the risk level that you're taking to make sure you're comfortable with the types of ups and downs that you do see and feel.","start":4371.34,"end":4378.08,"sentiment":"neutral","sentiment_score":-0.06440103928057048}],"sentiment":"neutral","sentiment_score":-0.0488971919222767,"num_words":58,"start":4360.755,"end":4378.08},{"sentences":[{"text":"If you saw your portfolio fall in the future due to what was happening in the markets globally, do you think you'd be feeling optimistic, cautious, concerned, or feeling very anxious about it?","start":4378.6147,"end":4388.5547,"sentiment":"neutral","sentiment_score":-0.17766731277559744},{"text":"Yep.","start":4391.335,"end":4391.369,"sentiment":"neutral","sentiment_score":-0.012087339535355568},{"text":"Yep.","start":4391.369,"end":4391.4033,"sentiment":"neutral","sentiment_score":0.035228557884693146},{"text":"Absolutely.","start":4391.4033,"end":4391.4375,"sentiment":"neutral","sentiment_score":0.0931687206029892},{"text":"And the last one here is Absolutely.","start":4391.4375,"end":4394.19,"sentiment":"neutral","sentiment_score":0.0217303458069052}],"sentiment":"neutral","sentiment_score":-0.13010695260451283,"num_words":43,"start":4378.6147,"end":4394.19},{"sentences":[{"text":"And the last one here is thinking about the risk level.","start":4394.65,"end":4398.4897,"sentiment":"neutral","sentiment_score":-0.01581031558188525},{"text":"If you thought about risk between numbers one and five, five being the highest risk level or your money in shares, one being the lowest, it's sitting all in cash.","start":4398.4897,"end":4410.325,"sentiment":"neutral","sentiment_score":-0.04043268213669459},{"text":"Where do you think you might see yourself fitting between one and five in a number?","start":4410.625,"end":4415.0454,"sentiment":"neutral","sentiment_score":0.004293572681490332},{"text":"Do you see yourself as a two, three, four, three?","start":4420.625,"end":4424.08,"sentiment":"neutral","sentiment_score":-0.010537458769977092},{"text":"Yep.","start":4424.08,"end":4424.58,"sentiment":"neutral","sentiment_score":0.08110319077968597}],"sentiment":"neutral","sentiment_score":-0.01974217896349728,"num_words":68,"start":4394.65,"end":4424.58},{"sentences":[{"text":"Absolutely.","start":4424.64,"end":4425.14,"sentiment":"neutral","sentiment_score":0.28810030221939087},{"text":"Perfect.","start":4425.36,"end":4425.86,"sentiment":"positive","sentiment_score":0.4791170358657837},{"text":"All good.","start":4427.12,"end":4427.86,"sentiment":"positive","sentiment_score":0.48066869378089905},{"text":"So with that, you have scored as more of a moderate investor.","start":4428.08,"end":4431.62,"sentiment":"neutral","sentiment_score":0.262117908646663},{"text":"So it does sort of see that balanced portfolio that we were sort of looking at before, but we can absolutely go balanced growth.","start":4432.0,"end":4438.235,"sentiment":"neutral","sentiment_score":0.29681448824703693}],"sentiment":"neutral","sentiment_score":0.2999379336833954,"num_words":40,"start":4424.64,"end":4438.235},{"sentences":[{"text":"It is one above.","start":4438.235,"end":4439.455,"sentiment":"neutral","sentiment_score":0.22161085903644562},{"text":"To give you a bit of an idea, as I kinda mentioned before, it sees about 70% of your super invested in growth assets.","start":4440.395,"end":4446.555,"sentiment":"neutral","sentiment_score":0.14993161677072445},{"text":"So think about Australian shares, international shares, some gold and silver, and some property.","start":4446.555,"end":4451.615,"sentiment":"neutral","sentiment_score":0.029193402401038578},{"text":"And then the other are generally 30% in defensive lower risk investments, like cash, bonds, and fixed interest.","start":4452.1304,"end":4458.79,"sentiment":"neutral","sentiment_score":0.07215185701433155},{"text":"This balanced growth environment, you're tracking to try you wanna get an average return of six to 8% on a yearly basis and compounding that forward.","start":4459.33,"end":4467.415,"sentiment":"neutral","sentiment_score":0.1984800214950855}],"sentiment":"neutral","sentiment_score":0.13200841694637094,"num_words":86,"start":4438.235,"end":4467.415},{"sentences":[{"text":"And suit someone who has about sort of six years before they you know, five to six years before they're accessing their super, so around about five years.","start":4467.875,"end":4476.775,"sentiment":"neutral","sentiment_score":0.051397987242255895},{"text":"With your four year time horizon to age 65, knowing you still want to work a little bit longer, that's okay because 65, you said you just wanna drop days, but you still want to work.","start":4476.97,"end":4487.13,"sentiment":"neutral","sentiment_score":0.04071791454528769},{"text":"So you'll still be putting money into super.","start":4487.13,"end":4489.37,"sentiment":"neutral","sentiment_score":0.07158375019207597},{"text":"So this balanced growth environment with your four to five year time horizon is completely fine with a negative return.","start":4489.37,"end":4497.5146,"sentiment":"neutral","sentiment_score":0.04042794145643711},{"text":"Now because we always talk about market ups and downs, and every portfolio has the likelihood of a negative return.","start":4497.5146,"end":4504.17,"sentiment":"neutral","sentiment_score":-0.16512914933264256}],"sentiment":"neutral","sentiment_score":0.008782450093089469,"num_words":112,"start":4467.875,"end":4504.17},{"sentences":[{"text":"This sort of balanced growth environment is the likelihood of a negative return is one in say every six years, which is very much lower risk.","start":4504.73,"end":4513.85,"sentiment":"neutral","sentiment_score":-0.14848556441183275},{"text":"With the portfolio you're in now, the average likelihood of a negative return is one in every five years.","start":4513.85,"end":4520.055,"sentiment":"neutral","sentiment_score":-0.06883010611330208},{"text":"So we're reducing the risk level.","start":4520.055,"end":4521.995,"sentiment":"neutral","sentiment_score":-0.030509478723009426},{"text":"We're reducing the likelihood of a negative return a little bit as well and trying to create a bit more stability to your portfolio.","start":4522.2153,"end":4529.1953,"sentiment":"neutral","sentiment_score":0.01014763598019878},{"text":"Does that still feel right for you, that balanced growth environment there, Sharon?","start":4529.415,"end":4533.3604,"sentiment":"neutral","sentiment_score":0.15367657576615995}],"sentiment":"neutral","sentiment_score":-0.03534221380356361,"num_words":88,"start":4504.73,"end":4533.3604},{"sentences":[{"text":"Yep.","start":4534.62,"end":4535.1,"sentiment":"neutral","sentiment_score":0.10144244879484177},{"text":"Beautiful.","start":4535.1,"end":4535.6,"sentiment":"neutral","sentiment_score":0.3171011209487915},{"text":"Do you have questions about what I've just gone through?","start":4535.66,"end":4538.3203,"sentiment":"neutral","sentiment_score":0.08111370354890823},{"text":"No?","start":4540.7,"end":4541.2,"sentiment":"neutral","sentiment_score":-0.08215062320232391},{"text":"That's okay.","start":4541.4204,"end":4542.24,"sentiment":"neutral","sentiment_score":-0.06411689519882202}],"sentiment":"neutral","sentiment_score":0.06795307944218318,"num_words":15,"start":4534.62,"end":4542.24},{"sentences":[{"text":"All good.","start":4542.3003,"end":4543.04,"sentiment":"neutral","sentiment_score":0.0821581780910492},{"text":"I'm are you comfortable for me?","start":4543.9004,"end":4545.6753,"sentiment":"neutral","sentiment_score":0.046320450802644096},{"text":"I'll just go back.","start":4545.6753,"end":4546.435,"sentiment":"neutral","sentiment_score":0.024215757381170988},{"text":"I'll update the advice.","start":4546.435,"end":4547.475,"sentiment":"neutral","sentiment_score":0.061718547716736794},{"text":"We'll talk again next Thursday morning and go through it together.","start":4547.475,"end":4550.615,"sentiment":"neutral","sentiment_score":0.05569277500564402}],"sentiment":"neutral","sentiment_score":0.05179988172043253,"num_words":27,"start":4542.3003,"end":4550.615},{"sentences":[{"text":"Did you want me to get someone to also post you out a hard copy as well?","start":4551.075,"end":4555.6353,"sentiment":"neutral","sentiment_score":0.007575863643604166},{"text":"It won't be there by next Thursday, but it will come a few days after.","start":4555.6353,"end":4559.51,"sentiment":"neutral","sentiment_score":-0.009364005302389462},{"text":"Did you still want someone to post a hard copy for you?","start":4559.51,"end":4562.89,"sentiment":"neutral","sentiment_score":0.010276750661432743},{"text":"Fantastic.","start":4565.67,"end":4566.17,"sentiment":"neutral","sentiment_score":0.23879872262477875},{"text":"Not a problem at all.","start":4566.39,"end":4567.85,"sentiment":"neutral","sentiment_score":0.13821271657943726}],"sentiment":"neutral","sentiment_score":0.020830258317291735,"num_words":50,"start":4551.075,"end":4567.85},{"sentences":[{"text":"You yeah.","start":4572.225,"end":4572.945,"sentiment":"neutral","sentiment_score":0.14210226759314537},{"text":"You can.","start":4572.945,"end":4573.505,"sentiment":"neutral","sentiment_score":0.17199022322893143},{"text":"So we'll I'll go through it with you online next week so you can see the document.","start":4573.505,"end":4577.105,"sentiment":"neutral","sentiment_score":0.1702077073209426},{"text":"We'll talk about it.","start":4577.105,"end":4577.985,"sentiment":"neutral","sentiment_score":0.21040690317749977},{"text":"You can ask any questions you have, and then a hard copy will come in the post for you to reread.","start":4577.985,"end":4583.125,"sentiment":"neutral","sentiment_score":0.15240593964145296}],"sentiment":"neutral","sentiment_score":0.16443192068001497,"num_words":46,"start":4572.225,"end":4583.125},{"sentences":[{"text":"And then if you're comfortable proceeding with that advice, I'll get you to sign it electronically.","start":4583.505,"end":4587.83,"sentiment":"neutral","sentiment_score":0.10111258644610643},{"text":"I can get someone to one of my team to give you a call maybe a week or two after we've gone through it, and they can help you with the signing of that if you would like.","start":4588.45,"end":4597.89,"sentiment":"neutral","sentiment_score":0.18223623852980764},{"text":"Does that sound okay?","start":4597.89,"end":4598.895,"sentiment":"neutral","sentiment_score":0.0550300357863307},{"text":"Yeah.","start":4601.1353,"end":4601.455,"sentiment":"neutral","sentiment_score":0.04922596365213394},{"text":"Yeah.","start":4601.455,"end":4601.615,"sentiment":"neutral","sentiment_score":0.0723281055688858}],"sentiment":"neutral","sentiment_score":0.1480742109939456,"num_words":60,"start":4583.505,"end":4601.615},{"sentences":[{"text":"It's we use Odoo Sign, which is the same sort of thing.","start":4601.615,"end":4604.495,"sentiment":"neutral","sentiment_score":0.07424802922954161},{"text":"You just press the button that says sign to sign or sign here, and it takes you through.","start":4604.495,"end":4609.475,"sentiment":"neutral","sentiment_score":0.037553916374842324},{"text":"Yes.","start":4610.575,"end":4611.075,"sentiment":"neutral","sentiment_score":0.056013576686382294},{"text":"Shouldn't be a problem.","start":4611.29,"end":4612.09,"sentiment":"neutral","sentiment_score":0.21643557772040367},{"text":"But if you get stuck, you can let us know.","start":4612.09,"end":4613.93,"sentiment":"neutral","sentiment_score":0.06025050282478332}],"sentiment":"neutral","sentiment_score":0.06869350580705537,"num_words":45,"start":4601.615,"end":4613.93},{"sentences":[{"text":"We're more than happy to help you talk you through it.","start":4613.93,"end":4616.59,"sentiment":"positive","sentiment_score":0.4938028102571314},{"text":"Okay.","start":4616.65,"end":4617.15,"sentiment":"neutral","sentiment_score":0.14886173605918884},{"text":"Excellent.","start":4619.13,"end":4619.63,"sentiment":"positive","sentiment_score":0.6307064294815063},{"text":"All good.","start":4620.25,"end":4620.9897,"sentiment":"positive","sentiment_score":0.6971078217029572},{"text":"That's okay.","start":4622.9697,"end":4623.69,"sentiment":"positive","sentiment_score":0.46186019480228424}],"sentiment":"positive","sentiment_score":0.5017255947870367,"num_words":17,"start":4613.93,"end":4623.69},{"sentences":[{"text":"That's not a problem at all.","start":4623.69,"end":4624.905,"sentiment":"positive","sentiment_score":0.4519999176263809},{"text":"I'll go back and update the advice, and we'll talk again next Thursday.","start":4624.905,"end":4628.105,"sentiment":"neutral","sentiment_score":0.27238919184758115},{"text":"And in the meantime, if any questions come out, Sharon, just let me know.","start":4628.105,"end":4631.385,"sentiment":"neutral","sentiment_score":0.18048487922974996},{"text":"Okay?","start":4631.385,"end":4631.885,"sentiment":"neutral","sentiment_score":0.13976621627807617},{"text":"Absolutely.","start":4634.7446,"end":4635.2446,"sentiment":"neutral","sentiment_score":0.30996763706207275}],"sentiment":"neutral","sentiment_score":0.26370231892381396,"num_words":35,"start":4623.69,"end":4635.2446},{"sentences":[{"text":"All good.","start":4636.04,"end":4636.7,"sentiment":"positive","sentiment_score":0.38317684829235077},{"text":"Thank you.","start":4638.36,"end":4639.0,"sentiment":"positive","sentiment_score":0.4955945909023285},{"text":"I'll let you go.","start":4639.0,"end":4639.7197,"sentiment":"positive","sentiment_score":0.5238040015101433},{"text":"You have a lovely evening.","start":4639.7197,"end":4641.02,"sentiment":"positive","sentiment_score":0.74568772315979},{"text":"No worries, though.","start":4643.48,"end":4644.62,"sentiment":"neutral","sentiment_score":0.10153236240148544}],"sentiment":"positive","sentiment_score":0.49286216171458364,"num_words":16,"start":4636.04,"end":4644.62},{"sentences":[{"text":"Thanks, Sharon.","start":4644.68,"end":4645.66,"sentiment":"positive","sentiment_score":0.36914345622062683},{"text":"Thank you.","start":4645.7197,"end":4646.36,"sentiment":"positive","sentiment_score":0.45057134330272675},{"text":"See you later.","start":4646.36,"end":4647.08,"sentiment":"neutral","sentiment_score":0.29194751381874084},{"text":"Bye.","start":4647.08,"end":4647.58,"sentiment":"neutral","sentiment_score":-0.0012086755596101284}],"sentiment":"neutral","sentiment_score":0.31425793311791494,"num_words":8,"start":4644.68,"end":4647.58}]}}]},{"alternatives":[{"transcript":"Hello? I'm very well. Thank you. Can you hear me okay? I can. I can for sure. Yep. Definitely. Yep. That's fine. Totally fine. Yes. Definitely. That's fine. Yep. Sharon Joy Carey, second of the third nineteen sixty three, and I reside at 1 Slash 11 Johnson Street, Stanthorpe, Queensland 4380. Yep. Yeah. That was that. But I yeah. I I just yeah. I don't know. I'm well, I didn't fully understand. I don't know. I'm not quite with it with that. I'm not sure. Yes. Yes. So that gets put back so that gets put back into my account. Right. So how does that affect oh, I don't pay any tax on that, do I? Okay. And, like, how long did you say it'd take to get into my account? Like, just the next day or something? Right. So what did you say the bit was about the salary salary because I already salary sacrificed. Well, what happens is my salary sacrificing money so I get paid less my salary sacrificing money. On the Wednesday night, I'll pay those in. Then the next day, my salary sacrificing money comes back into my account, which stays there until I think it's the next four the next week or so that I pay my rent so that I'd use that for my rent, and I get a certain amount on a card. And I pay I I pay bills off with that and stuff like that, and that's like, if I need any if I need to go for dinner or anything like that, that's on that card. So yeah. Yes. Is this the one that you're all talk talking about doing? Yeah. Right. So if I start, it's when would be a good time to start it, like, ASAP? I feel really bad because I asked just to send me out a paperwork copy of that, and I I feel really bad. I just had so much going on. I just yeah. Yeah. Yep. Oh, you because we've had a pay rise since then too. So Mhmm. So that's not gonna be earning this that's not gonna be earning the same as it was. Is that right? Yes. Yes. Yes. Yes. Yeah. Of course. Yep. Yeah. Twenty percent. Yep. Yep. Yes. Right. Yep. Yes. Sorta kinda. Yeah. The the the the the like like, it's withdrawn from my super that little bit that I was a bit confused with. Yeah. It certainly helped. It explained a lot. Yeah. So yeah. Yes. It it would, actually. Yes. Yeah. Yep. Why don't we do that? Why don't we do that? Yeah. Yeah. Yep. Also, on that paperwork, I know this was back in May. What was the recommended do you know the recommended amount that I possibly should have in there when I do retire when I do reach that point. Was it a 100 and 70 five? Mhmm. I've got that right here in front of me. Yep. Yep. Yep. It's a 100 and 64. That's recommended. But currently, so currently, for us to leave it the same, that's is that is that what that means? So that's what like, the 100 and 70 five. Oh, ups and downs. Definitely. Yes. Yep. Yeah. It's a bit bit it's really hard decision to make, isn't it? So do the investment switch. Yep. Which is the so the other so the investment switch when you say the investment switch, that was the yeah. But we could you said we could do that start out at, like, 10% or something. Yeah. Right. Okay. Yep. Now okay. I'm on page 34. Could you is that you looking at the table down the bottom? Mhmm. Yeah. Right. It does, doesn't it? Yeah. Yep. Yep. So yeah. Okay. So but I don't lose out of my pay, though, do I? It's still the same. I'm 30 four. On page 27. Okay. Yep. Yep. Yep. Yep. Mhmm. Mhmm. Yes. Yes. Yes. Yes. Right. Okay. Yep. Right. So when I am to retire, does that all go just back into my super account, or what happens, like, with that? Like, if that's in a separate is that a stupid question? Yes. Yes. Out of that pension out of that pension account. So Because that's what I was going to look at doing when I turned 60 five. I was gonna drop a day and work it through my yeah. All of my super. Yes. Yes. Yeah. Right. But, ideally, if you can do it, you're better off to keep your super working for you. Yes. Right. Yeah. Right. Right. Okay. Yeah. It does. Yep. Yep. There's a lot to take in, like but I like, I understand that more so now. Like, I've spoken to you again about it. So yeah. Yep. Well, what do you think? Like, you said, let's cut it back 10%. Mhmm. That's with the both with the both things in it. The the pension account and with both in it. Yes. Two. Eight. Yeah. Number about you. Nine. No. I'm just at the page before after. Okay. Our advice to you. Okay. I've got it. Sharon. Yep. Yep. Mhmm. Eight 18 18, did you say? Yep. Yeah. Okay. Got that. No. That's fine. I I get more of an under it's good because I've got that here in front of me this time. So, like, last time, I didn't have any figures or anything in front of me. So it's I I think it's helping me. Understandable. Yeah. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yep. Mhmm. Right. Yep. Yep. Yep. Yep. Right. Okay. Yep. Yep. Yes. Alright. Yep. Yep. Mhmm. Yep. Yep. Yep. Oh, I'm just following along the tables as as you say it. So I've got a bit of an idea, but I I don't know. I think I'm I'm I'm following you with what you're saying, but no questions as such. So I don't think yeah. Yep. Yeah. Let's go 10%. Let's do that. I'm not making a voice choice, but yeah. Okay. Yep. Yep. Alright. Then yeah. So on to sizes. Yeah. Yep. Mhmm. Mhmm. Yep. It does. It does. Yep. Yeah. Yeah. Yes. Yes. Yep. I can say. Yes. Definitely. Yep. Yep. I think so. That'll give me a little bit of time. Yeah. Yep. Yep. So once you've got that done, then we'll look at the we'll look at the transition into retirement. Yep. Yep. Yeah. It actually does. Yeah. Yeah. It does. Yep. Yep. What about I I mean, it doesn't really bother me. But what about Thursday morning or something like that? Maybe ten? Ten. So do you you'd send that through an email, don't you? Okay. So no. That's okay. So what do I do with this statement of advice? Hang on to it for a bit or what? Yep. Sure. I might just hang on to it till I get my new one, actually. Because I like, this help this help with this phone conversation. It helped me a lot, you know, understand it a bit more. So yeah. Yeah. Yep. Mhmm. Yeah. That sounds fine. So that last one that last one that you that you emailed me, what should I delete that one? Oh, that just disappears out of mine as well, does it? Yep. Okay. Alright. Now tell me, with this super with this other thing, with this pensioner pensioner account pensioner account with your super, does that affect the salary sacrificing that I already do with work? Okay. Alright. Yeah. I just there was a question that I have. No. It's a silly question, but because because I'm already sacrificing salary sacrificing. So I do, like, a normal one, which is 600 and something dollars. And then they do a regional one, which you claim another week's rent on. And, like, I'm salary sacrificing nearly nearly $1,000 a fortnight, and I only pay, like, a $166 a fortnight's tax. Beneficial. Yeah. Okay. Mhmm. Okay. So you can look into all that with because I think I will be. Because I think basically, my Supra is about the only investment that I've got. It's my only things that I've got. And all that like, it because that's that's all I've really got plus my car. It's not that's not worth a big amount of money anymore. So yeah. Yep. Yes. Yep. Well, I have to see where I'm at at that age. I'll have to see, like maybe I might be able to work one or two days. I I'm just not a 100% sure on that yet, really. So yeah. Yeah. Okay. Yep. Sounds good. Mhmm. Yep. Yeah. Oh, well, I think so. I mean, things are gonna go up a bit more till then, but I guess so. Yeah. Yep. Yeah. How much is gonna be different? Yeah. Yep. Yep. Okay. Alright. Okay. Sounds great. Yep. Yep. When you say retain it, what do you mean? Like Well, I'm just I think still keep paying for it at this point in time, I think. Like, do people usually let it go? Do they let it go? Or I don't know. Mhmm. Yeah. Right. Yes. Yes. It's not here or there, is it? Yes. Yes. I've also got in place I've got to follow that through this week too. My will's in the process of being done. So I had to do that to cover I had to have that in place for some reason. So the so they didn't have to pay a huge amount on if it happened to me on my fifth of the tax. So that's that's in the process of being done at the moment. So yeah. Mhmm. Yep. That's why I had to get that's why I had to get a willing place. Yes. Yes. That's right. Yeah. That's right. Tax. Yes. That's yeah. And I I will it's something that I've been wanting to get in place for a few years, but I just haven't done it. But it's in the process of being done at the moment. So I have got a power of attorney. Yep. And an executor an executor of my will. So I've got an executor. Yep. Just about it's just all gonna be written up and put in place. I just gotta get back to my my knee my niece is a lawyer, so I've gotta get back to her and get her to finish it off. So Yep. I'm now paying 3 100. Yep. Mhmm. Yep. No. I think leave it at that, I think. Yep. I've still got some savings in there. I think I've got, I don't know, 34. I think I'm probably about 34, and I've got a I'm in the process of changing bank. I I've opened up a new bank account, which is gonna earn me more interest. So I've gotta pull that that 34,000 will eventually transfer into this new account, but I've also gotta transfer at some over my everyday account to that account as well. So, yeah, prob I'd say I'd probably put 50,000. That's a very good question. I I have to look it up. Bank of Queensland. What was it called? A smart I think it's a SmartSaver account. Yep. Smart saver. That might be what it is, a Smart saver. Yep. Per annum. Possibly. But you get paid your interest monthly on this. Like, in this old account, it's a really old account that I had this money in, and it, like, it was only earning me, like, I don't know, something ridiculous, like a dollar 34 a month or something. But this new account is going to earn me a $130 a month, which is pretty good. Sorry? It will be. Yes. Yes. I oh, hang on. Not no. It won't work out 50,000. It'll work out on 40,000. Put 40,000 down for that because by the time I transfer some out of my everyday account to that account, it'll be around 40,000 in that account. No. They said about a 130 on a month. No. You don't. 180 a month. That possibly could be right because she only worked that out on the money that I actually had in there. So by the time I put up to yeah. Yep. That's pretty good, though. Right? Yeah. It was something to that effect. Yeah. Yeah. I've gotta I look I should just get in and do it because I'm wasting money. But, anyway, I gotta do it. Maybe that money, like, if I didn't need to use it, that money, I could transfer that straight over to my super. That takes amount a month. Yeah. That does. Yep. It does. Yep. Yeah. Right. Yep. Yep. Okay. Yes. It does. It does. Yep. Mhmm. Yep. Yep. Sounds good. That's right. I forgot about that account. I think I think I've got about 7,000 in that now. I think it's gone up too. I've got that in there for my grandchildren. Oh, do they? So if I wanted to take it out of this investment account and use work on something for me, do you mean? Is that what you mean? I have seven, but my baby girl, my daughter, youngest daughter, is actually having twins in December. I know. I know. Oh, it's so exciting. It's we're all so excited. It's amazing. And she's so beautiful about it. Like, when she told me she it was only for a week ago. She said, you know, mom, some people be cursing having twins. She said, but you know what? I am so excited. She said, I just can't wait to be a mother of twins. And it's so beautiful. It's really lovely. Yeah. Thank you. Thank you. Yep. Yep. Mhmm. Yeah. Right. Because I ideally, it's not a lot yet. But, I mean, I think by the time anything happens to me, well, it it'll be up a little bit more, but yeah. But it's just something I put aside from. Yeah. So yeah. Okay. Sounds great. Yep. I've got it. I've got to get I was gonna do that. It's in the making. I've partly done it. But yeah. Possibly could've a little, but but nothing extravagant, I don't think. Mhmm. Well, my I I probably got I don't know. This is just just my little way of doing my all my pay goes into one account, and I draw a little bit out of pocket money out of it. What's what's left over in out of my income out of that that just stayed in this account? So I probably am saving, but it's just not like I transfer a $100 a week or something over to another savings account. It's just what's left over just stays in this account in this everyday account. Yeah. It just stays in that account. So yeah. Mhmm. Yep. Yep. It does. Yep. Yep. It's just a it's just a little bit under. Yeah. Yep. But I don't know whether they actually keep I don't know. I must find out whether this regional benefit thing is, like, a permanent thing or is only for I don't know. I have to find out whether it was, like, just a twelve month thing. I I don't know. Yep. That's what it is. Yes. Easyway. Because it's incredibly a math that you can it's incredibly amount that you can salary sacrifice. I couldn't believe it. Yes. Yes. Have a green. Yes. Yes. 27. Yes. Yes. It does yeah. This is talking about that pension account. Yep. Okay. Yes. Yes. Yeah. It does. It does. Yes. It it has it has a lot more. Yes. I don't think so. But you're you're, like, you're still not a 100 percent sure whether you can do that transition to retirement. Yes. Yes. Yeah. That's right. So so even if I did want to drop like, without doing that transition to retirement, if I wanted to drop a day at 65, that's how can I still do that? How does it work with your super? In in in like, I would like to think that that transition account would be in place, but if just say for some reason we can't do that, then so how does that work? How does am I still is there a way that means that you can do that? Right. Yeah. That's right. That's right. Right. Yes. Yes. Yeah. Right. Okay. Yep. Okay. Yes. Yes. Sure. Yes. Okay. Sounds great. Oh, this conversation is so much better than I've I'm following it a lot more this time. Yep. Yep. Yep. Great. So tell me, if you're looking for another help, like, another super fund, Head Start and stuff like that, they don't move your money and do this all this kind of stuff around, do they? No. Yes. Yes. Yeah. Right. Yep. You've got you've got other options and stuff that you can do. Yep. Yes. Yes. Whereas with you guys, he's doing all he did all the homework and everything. Yes. Yes. Yep. Yep. Yep. Yep. Wonderful. Okay. Alright. So I'll be hearing from you next Thursday morning at ten just to run through as I was I have a few little things that you were putting into place. Yep. Sounds great. Yep. Yes. Well, I don't know. I think I'd be cautious, but I said I've gotta put my money into something more secure. Does that make sense? Absolutely. I think I'd call you and say what is what options there is. Yes. Yes. Not with you guy not with you guys, I haven't. No. Like, with Hester and stuff like that. To be honest, until I got with you guys, I never ever took a lot of interest in it, to be honest. I never, like, never had the conversations, I don't think, to to be able to understand what's happening with it. So Probably feeling very anxious about it. I'd say with where I'm at at the moment. I don't know. I think maybe about a three maybe. Yes. Mhmm. Yes. Yeah. It does. It does. Yep. Yep. I don't think so. No. No. No. Mhmm. Yep. Definitely. That'll be great. Yep. So when you when do I sign this after I speak to you next week, do I? Yep. Yep. Yeah. I think that's doctor sign, isn't it? I think I've got that set up. Yep. Yeah. I think I've done that once before with you guys, I think. Yep. For sure. Okay. Alright. Sounds great. Thank you so much for today. I'll jot them down, and I'll ask you next Thursday. Okay. Alright. Okay. You too, and thank you. Okay. Take care. Bye. 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I'm very well. Thank you. Can you hear me okay? I can.\n\nI can for sure. Yep. Definitely. Yep. That's fine.\n\nTotally fine. Yes. Definitely. That's fine. Yep.\n\nSharon Joy Carey, second of the third nineteen sixty three, and I reside at 1 Slash 11 Johnson Street, Stanthorpe, Queensland 4380. Yep. Yeah. That was that. But I yeah.\n\nI I just yeah. I don't know. I'm well, I didn't fully understand. I don't know. I'm not quite with it with that.\n\nI'm not sure. Yes. Yes. So that gets put back so that gets put back into my account. Right.\n\nSo how does that affect oh, I don't pay any tax on that, do I? Okay. And, like, how long did you say it'd take to get into my account? Like, just the next day or something? Right.\n\nSo what did you say the bit was about the salary salary because I already salary sacrificed. Well, what happens is my salary sacrificing money so I get paid less my salary sacrificing money. On the Wednesday night, I'll pay those in. Then the next day, my salary sacrificing money comes back into my account, which stays there until I think it's the next four the next week or so that I pay my rent so that I'd use that for my rent, and I get a certain amount on a card. And I pay I I pay bills off with that and stuff like that, and that's like, if I need any if I need to go for dinner or anything like that, that's on that card.\n\nSo yeah. Yes. Is this the one that you're all talk talking about doing? Yeah. Right.\n\nSo if I start, it's when would be a good time to start it, like, ASAP? I feel really bad because I asked just to send me out a paperwork copy of that, and I I feel really bad. I just had so much going on. I just yeah. Yeah.\n\nYep. Oh, you because we've had a pay rise since then too. So Mhmm. So that's not gonna be earning this that's not gonna be earning the same as it was. Is that right?\n\nYes. Yes. Yes. Yes. Yeah.\n\nOf course. Yep. Yeah. Twenty percent. Yep.\n\nYep. Yes. Right. Yep. Yes.\n\nSorta kinda. Yeah. The the the the the like like, it's withdrawn from my super that little bit that I was a bit confused with. Yeah. It certainly helped.\n\nIt explained a lot. Yeah. So yeah. Yes. It it would, actually.\n\nYes. Yeah. Yep. Why don't we do that? Why don't we do that?\n\nYeah. Yeah. Yep. Also, on that paperwork, I know this was back in May. What was the recommended do you know the recommended amount that I possibly should have in there when I do retire when I do reach that point.\n\nWas it a 100 and 70 five? Mhmm. I've got that right here in front of me. Yep. Yep.\n\nYep. It's a 100 and 64. That's recommended. But currently, so currently, for us to leave it the same, that's is that is that what that means? So that's what like, the 100 and 70 five.\n\nOh, ups and downs. Definitely. Yes. Yep. Yeah.\n\nIt's a bit bit it's really hard decision to make, isn't it? So do the investment switch. Yep. Which is the so the other so the investment switch when you say the investment switch, that was the yeah. But we could you said we could do that start out at, like, 10% or something.\n\nYeah. Right. Okay. Yep. Now okay.\n\nI'm on page 34. Could you is that you looking at the table down the bottom? Mhmm. Yeah. Right.\n\nIt does, doesn't it? Yeah. Yep. Yep. So yeah.\n\nOkay. So but I don't lose out of my pay, though, do I? It's still the same. I'm 30 four. On page 27.\n\nOkay. Yep. Yep. Yep. Yep.\n\nMhmm. Mhmm. Yes. Yes. Yes.\n\nYes. Right. Okay. Yep. Right.\n\nSo when I am to retire, does that all go just back into my super account, or what happens, like, with that? Like, if that's in a separate is that a stupid question? Yes. Yes. Out of that pension out of that pension account.\n\nSo Because that's what I was going to look at doing when I turned 60 five. I was gonna drop a day and work it through my yeah. All of my super. Yes. Yes.\n\nYeah. Right. But, ideally, if you can do it, you're better off to keep your super working for you. Yes. Right.\n\nYeah. Right. Right. Okay. Yeah.\n\nIt does. Yep. Yep. There's a lot to take in, like but I like, I understand that more so now. Like, I've spoken to you again about it.\n\nSo yeah. Yep. Well, what do you think? Like, you said, let's cut it back 10%. Mhmm.\n\nThat's with the both with the both things in it. The the pension account and with both in it. Yes. Two. Eight.\n\nYeah. Number about you. Nine. No. I'm just at the page before after.\n\nOkay. Our advice to you. Okay. I've got it. Sharon.\n\nYep. Yep. Mhmm. Eight 18 18, did you say? Yep.\n\nYeah. Okay. Got that. No. That's fine.\n\nI I get more of an under it's good because I've got that here in front of me this time. So, like, last time, I didn't have any figures or anything in front of me. So it's I I think it's helping me. Understandable. Yeah.\n\nYep. Mhmm. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yep. Yep. Mhmm.\n\nRight. Yep. Yep. Yep. Yep.\n\nRight. Okay. Yep. Yep. Yes.\n\nAlright. Yep. Yep. Mhmm. Yep.\n\nYep. Yep. Oh, I'm just following along the tables as as you say it. So I've got a bit of an idea, but I I don't know. I think I'm I'm I'm following you with what you're saying, but no questions as such.\n\nSo I don't think yeah. Yep. Yeah. Let's go 10%. Let's do that.\n\nI'm not making a voice choice, but yeah. Okay. Yep. Yep. Alright.\n\nThen yeah. So on to sizes. Yeah. Yep. Mhmm.\n\nMhmm. Yep. It does. It does. Yep.\n\nYeah. Yeah. Yes. Yes. Yep.\n\nI can say. Yes. Definitely. Yep. Yep.\n\nI think so. That'll give me a little bit of time. Yeah. Yep. Yep.\n\nSo once you've got that done, then we'll look at the we'll look at the transition into retirement. Yep. Yep. Yeah. It actually does.\n\nYeah. Yeah. It does. Yep. Yep.\n\nWhat about I I mean, it doesn't really bother me. But what about Thursday morning or something like that? Maybe ten? Ten. So do you you'd send that through an email, don't you?\n\nOkay. So no. That's okay. So what do I do with this statement of advice? Hang on to it for a bit or what?\n\nYep. Sure. I might just hang on to it till I get my new one, actually. Because I like, this help this help with this phone conversation. It helped me a lot, you know, understand it a bit more.\n\nSo yeah. Yeah. Yep. Mhmm. Yeah.\n\nThat sounds fine. So that last one that last one that you that you emailed me, what should I delete that one? Oh, that just disappears out of mine as well, does it? Yep. Okay.\n\nAlright. Now tell me, with this super with this other thing, with this pensioner pensioner account pensioner account with your super, does that affect the salary sacrificing that I already do with work? Okay. Alright. Yeah.\n\nI just there was a question that I have. No. It's a silly question, but because because I'm already sacrificing salary sacrificing. So I do, like, a normal one, which is 600 and something dollars. And then they do a regional one, which you claim another week's rent on.\n\nAnd, like, I'm salary sacrificing nearly nearly $1,000 a fortnight, and I only pay, like, a $166 a fortnight's tax. Beneficial. Yeah. Okay. Mhmm.\n\nOkay. So you can look into all that with because I think I will be. Because I think basically, my Supra is about the only investment that I've got. It's my only things that I've got. And all that like, it because that's that's all I've really got plus my car.\n\nIt's not that's not worth a big amount of money anymore. So yeah. Yep. Yes. Yep.\n\nWell, I have to see where I'm at at that age. I'll have to see, like maybe I might be able to work one or two days. I I'm just not a 100% sure on that yet, really. So yeah. Yeah.\n\nOkay. Yep. Sounds good. Mhmm. Yep.\n\nYeah. Oh, well, I think so. I mean, things are gonna go up a bit more till then, but I guess so. Yeah. Yep.\n\nYeah. How much is gonna be different? Yeah. Yep. Yep.\n\nOkay. Alright. Okay. Sounds great. Yep.\n\nYep. When you say retain it, what do you mean? Like Well, I'm just I think still keep paying for it at this point in time, I think. Like, do people usually let it go? Do they let it go?\n\nOr I don't know. Mhmm. Yeah. Right. Yes.\n\nYes. It's not here or there, is it? Yes. Yes. I've also got in place I've got to follow that through this week too.\n\nMy will's in the process of being done. So I had to do that to cover I had to have that in place for some reason. So the so they didn't have to pay a huge amount on if it happened to me on my fifth of the tax. So that's that's in the process of being done at the moment. So yeah.\n\nMhmm. Yep. That's why I had to get that's why I had to get a willing place. Yes. Yes.\n\nThat's right. Yeah. That's right. Tax. Yes.\n\nThat's yeah. And I I will it's something that I've been wanting to get in place for a few years, but I just haven't done it. But it's in the process of being done at the moment. So I have got a power of attorney. Yep.\n\nAnd an executor an executor of my will. So I've got an executor. Yep. Just about it's just all gonna be written up and put in place. I just gotta get back to my my knee my niece is a lawyer, so I've gotta get back to her and get her to finish it off.\n\nSo Yep. I'm now paying 3 100. Yep. Mhmm. Yep.\n\nNo. I think leave it at that, I think. Yep. I've still got some savings in there. I think I've got, I don't know, 34.\n\nI think I'm probably about 34, and I've got a I'm in the process of changing bank. I I've opened up a new bank account, which is gonna earn me more interest. So I've gotta pull that that 34,000 will eventually transfer into this new account, but I've also gotta transfer at some over my everyday account to that account as well. So, yeah, prob I'd say I'd probably put 50,000. That's a very good question.\n\nI I have to look it up. Bank of Queensland. What was it called? A smart I think it's a SmartSaver account. Yep.\n\nSmart saver. That might be what it is, a Smart saver. Yep. Per annum. Possibly.\n\nBut you get paid your interest monthly on this. Like, in this old account, it's a really old account that I had this money in, and it, like, it was only earning me, like, I don't know, something ridiculous, like a dollar 34 a month or something. But this new account is going to earn me a $130 a month, which is pretty good. Sorry? It will be.\n\nYes. Yes. I oh, hang on. Not no. It won't work out 50,000.\n\nIt'll work out on 40,000. Put 40,000 down for that because by the time I transfer some out of my everyday account to that account, it'll be around 40,000 in that account. No. They said about a 130 on a month. No.\n\nYou don't. 180 a month. That possibly could be right because she only worked that out on the money that I actually had in there. So by the time I put up to yeah. Yep.\n\nThat's pretty good, though. Right? Yeah. It was something to that effect. Yeah.\n\nYeah. I've gotta I look I should just get in and do it because I'm wasting money. But, anyway, I gotta do it. Maybe that money, like, if I didn't need to use it, that money, I could transfer that straight over to my super. That takes amount a month.\n\nYeah. That does. Yep. It does. Yep.\n\nYeah. Right. Yep. Yep. Okay.\n\nYes. It does. It does. Yep. Mhmm.\n\nYep. Yep. Sounds good. That's right. I forgot about that account.\n\nI think I think I've got about 7,000 in that now. I think it's gone up too. I've got that in there for my grandchildren. Oh, do they? So if I wanted to take it out of this investment account and use work on something for me, do you mean?\n\nIs that what you mean? I have seven, but my baby girl, my daughter, youngest daughter, is actually having twins in December. I know. I know. Oh, it's so exciting.\n\nIt's we're all so excited. It's amazing. And she's so beautiful about it. Like, when she told me she it was only for a week ago. She said, you know, mom, some people be cursing having twins.\n\nShe said, but you know what? I am so excited. She said, I just can't wait to be a mother of twins. And it's so beautiful. It's really lovely.\n\nYeah. Thank you. Thank you. Yep. Yep.\n\nMhmm. Yeah. Right. Because I ideally, it's not a lot yet. But, I mean, I think by the time anything happens to me, well, it it'll be up a little bit more, but yeah.\n\nBut it's just something I put aside from. Yeah. So yeah. Okay. Sounds great.\n\nYep. I've got it. I've got to get I was gonna do that. It's in the making. I've partly done it.\n\nBut yeah. Possibly could've a little, but but nothing extravagant, I don't think. Mhmm. Well, my I I probably got I don't know. This is just just my little way of doing my all my pay goes into one account, and I draw a little bit out of pocket money out of it.\n\nWhat's what's left over in out of my income out of that that just stayed in this account? So I probably am saving, but it's just not like I transfer a $100 a week or something over to another savings account. It's just what's left over just stays in this account in this everyday account. Yeah. It just stays in that account.\n\nSo yeah. Mhmm. Yep. Yep. It does.\n\nYep. Yep. It's just a it's just a little bit under. Yeah. Yep.\n\nBut I don't know whether they actually keep I don't know. I must find out whether this regional benefit thing is, like, a permanent thing or is only for I don't know. I have to find out whether it was, like, just a twelve month thing. I I don't know. Yep.\n\nThat's what it is. Yes. Easyway. Because it's incredibly a math that you can it's incredibly amount that you can salary sacrifice. I couldn't believe it.\n\nYes. Yes. Have a green. Yes. Yes.\n\n27. Yes. Yes. It does yeah. This is talking about that pension account.\n\nYep. Okay. Yes. Yes. Yeah.\n\nIt does. It does. Yes. It it has it has a lot more. Yes.\n\nI don't think so. But you're you're, like, you're still not a 100 percent sure whether you can do that transition to retirement. Yes. Yes. Yeah.\n\nThat's right. So so even if I did want to drop like, without doing that transition to retirement, if I wanted to drop a day at 65, that's how can I still do that? How does it work with your super? In in in like, I would like to think that that transition account would be in place, but if just say for some reason we can't do that, then so how does that work? How does am I still is there a way that means that you can do that?\n\nRight. Yeah. That's right. That's right. Right.\n\nYes. Yes. Yeah. Right. Okay.\n\nYep. Okay. Yes. Yes. Sure.\n\nYes. Okay. Sounds great. Oh, this conversation is so much better than I've I'm following it a lot more this time. Yep.\n\nYep. Yep. Great. So tell me, if you're looking for another help, like, another super fund, Head Start and stuff like that, they don't move your money and do this all this kind of stuff around, do they? No.\n\nYes. Yes. Yeah. Right. Yep.\n\nYou've got you've got other options and stuff that you can do. Yep. Yes. Yes. Whereas with you guys, he's doing all he did all the homework and everything.\n\nYes. Yes. Yep. Yep. Yep.\n\nYep. Wonderful. Okay. Alright. So I'll be hearing from you next Thursday morning at ten just to run through as I was I have a few little things that you were putting into place.\n\nYep. Sounds great. Yep. Yes. Well, I don't know.\n\nI think I'd be cautious, but I said I've gotta put my money into something more secure. Does that make sense? Absolutely. I think I'd call you and say what is what options there is. Yes.\n\nYes. Not with you guy not with you guys, I haven't. No. Like, with Hester and stuff like that. To be honest, until I got with you guys, I never ever took a lot of interest in it, to be honest.\n\nI never, like, never had the conversations, I don't think, to to be able to understand what's happening with it. So Probably feeling very anxious about it. I'd say with where I'm at at the moment. I don't know. I think maybe about a three maybe.\n\nYes. Mhmm. Yes. Yeah. It does.\n\nIt does. Yep. Yep. I don't think so. No.\n\nNo. No. Mhmm. Yep. Definitely.\n\nThat'll be great. Yep. So when you when do I sign this after I speak to you next week, do I? Yep. Yep.\n\nYeah. I think that's doctor sign, isn't it? I think I've got that set up. Yep. Yeah.\n\nI think I've done that once before with you guys, I think. Yep. For sure. Okay. Alright.\n\nSounds great. Thank you so much for today. I'll jot them down, and I'll ask you next Thursday. Okay. Alright.\n\nOkay. You too, and thank you. Okay. Take care. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.019583266228437424},{"text":"I'm very well.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.4614594181378682},{"text":"Thank you.","start":8.96,"end":9.28,"sentiment":"positive","sentiment_score":0.4689728021621704},{"text":"Can you hear me okay?","start":9.28,"end":10.5,"sentiment":"neutral","sentiment_score":0.10603603571653367},{"text":"I can.","start":13.92,"end":14.559999,"sentiment":"neutral","sentiment_score":0.08600778132677078}],"sentiment":"neutral","sentiment_score":0.23416175893866098,"num_words":13,"start":3.12,"end":14.559999},{"sentences":[{"text":"I can for sure.","start":14.559999,"end":15.599999,"sentiment":"neutral","sentiment_score":0.05956614390015602},{"text":"Yep.","start":15.599999,"end":15.975,"sentiment":"neutral","sentiment_score":0.1850184053182602},{"text":"Definitely.","start":16.295,"end":16.795,"sentiment":"positive","sentiment_score":0.47257837653160095},{"text":"Yep.","start":24.375,"end":24.695,"sentiment":"neutral","sentiment_score":0.09361907094717026},{"text":"That's fine.","start":24.695,"end":25.515,"sentiment":"neutral","sentiment_score":0.1628231331706047}],"sentiment":"neutral","sentiment_score":0.1461251883043183,"num_words":9,"start":14.559999,"end":25.515},{"sentences":[{"text":"Totally fine.","start":25.575,"end":26.555,"sentiment":"positive","sentiment_score":0.34404826164245605},{"text":"Yes.","start":35.33,"end":35.73,"sentiment":"neutral","sentiment_score":0.11850886046886444},{"text":"Definitely.","start":35.73,"end":36.21,"sentiment":"neutral","sentiment_score":0.1621928513050079},{"text":"That's fine.","start":36.21,"end":37.03,"sentiment":"neutral","sentiment_score":0.2059006616473198},{"text":"Yep.","start":37.17,"end":37.67,"sentiment":"neutral","sentiment_score":0.2286890596151352}],"sentiment":"neutral","sentiment_score":0.22989837399550847,"num_words":7,"start":25.575,"end":37.67},{"sentences":[{"text":"Sharon Joy Carey, second of the third nineteen sixty three, and I reside at 1 Slash 11 Johnson Street, Stanthorpe, Queensland 4380.","start":46.145,"end":56.66,"sentiment":"neutral","sentiment_score":0.041113796389915726},{"text":"Yep.","start":75.175,"end":75.675,"sentiment":"neutral","sentiment_score":0.02148652635514736},{"text":"Yeah.","start":76.535,"end":77.035,"sentiment":"neutral","sentiment_score":-0.004621184431016445},{"text":"That was that.","start":77.255005,"end":77.895004,"sentiment":"neutral","sentiment_score":-0.012261976798375448},{"text":"But I yeah.","start":77.895004,"end":78.535,"sentiment":"neutral","sentiment_score":-0.08277836441993713}],"sentiment":"neutral","sentiment_score":0.021208261294911306,"num_words":30,"start":46.145,"end":78.535},{"sentences":[{"text":"I I just yeah.","start":78.535,"end":83.34,"sentiment":"neutral","sentiment_score":-0.14247551560401917},{"text":"I don't know.","start":83.34,"end":84.17999,"sentiment":"neutral","sentiment_score":-0.1898533304532369},{"text":"I'm well, I didn't fully understand.","start":84.17999,"end":86.479996,"sentiment":"neutral","sentiment_score":-0.20161882042884827},{"text":"I don't know.","start":86.619995,"end":87.17999,"sentiment":"neutral","sentiment_score":-0.2100659559170405},{"text":"I'm not quite with it with that.","start":87.17999,"end":88.78,"sentiment":"neutral","sentiment_score":-0.2793695884091513}],"sentiment":"neutral","sentiment_score":-0.2145634766506112,"num_words":23,"start":78.535,"end":88.78},{"sentences":[{"text":"I'm not sure.","start":88.78,"end":89.67999,"sentiment":"neutral","sentiment_score":-0.16742567718029022},{"text":"Yes.","start":90.21999,"end":90.71999,"sentiment":"neutral","sentiment_score":-0.02710316702723503},{"text":"Yes.","start":141.17001,"end":141.67001,"sentiment":"neutral","sentiment_score":0.15683400630950928},{"text":"So that gets put back so that gets put back into my account.","start":202.16,"end":206.1,"sentiment":"neutral","sentiment_score":0.08950314986018035},{"text":"Right.","start":211.44,"end":211.94,"sentiment":"neutral","sentiment_score":0.07029268890619278}],"sentiment":"neutral","sentiment_score":0.04533091814894425,"num_words":19,"start":88.78,"end":211.94},{"sentences":[{"text":"So how does that affect oh, I don't pay any tax on that, do I?","start":212.375,"end":215.995,"sentiment":"neutral","sentiment_score":-0.03490979348619779},{"text":"Okay.","start":221.97499,"end":222.47499,"sentiment":"neutral","sentiment_score":0.010291913524270058},{"text":"And, like, how long did you say it'd take to get into my account?","start":225.575,"end":228.69,"sentiment":"neutral","sentiment_score":-0.005653934287173408},{"text":"Like, just the next day or something?","start":228.69,"end":230.87,"sentiment":"neutral","sentiment_score":0.0028509359274591717},{"text":"Right.","start":258.63998,"end":259.12,"sentiment":"neutral","sentiment_score":0.18847018480300903}],"sentiment":"neutral","sentiment_score":-0.01010745611826056,"num_words":38,"start":212.375,"end":259.12},{"sentences":[{"text":"So what did you say the bit was about the salary salary because I already salary sacrificed.","start":259.12,"end":264.41998,"sentiment":"neutral","sentiment_score":0.03278838355532464},{"text":"Well, what happens is my salary sacrificing money so I get paid less my salary sacrificing money.","start":274.47498,"end":283.055,"sentiment":"neutral","sentiment_score":-0.05232731450129958},{"text":"On the Wednesday night, I'll pay those in.","start":284.18,"end":286.28,"sentiment":"neutral","sentiment_score":0.16383174061775208},{"text":"Then the next day, my salary sacrificing money comes back into my account, which stays there until I think it's the next four the next week or so that I pay my rent so that I'd use that for my rent, and I get a certain amount on a card.","start":286.66,"end":300.845,"sentiment":"neutral","sentiment_score":0.14669649198651313},{"text":"And I pay I I pay bills off with that and stuff like that, and that's like, if I need any if I need to go for dinner or anything like that, that's on that card.","start":302.665,"end":310.92,"sentiment":"neutral","sentiment_score":0.07762731166763438}],"sentiment":"neutral","sentiment_score":0.08678046811110107,"num_words":128,"start":259.12,"end":310.92},{"sentences":[{"text":"So yeah.","start":311.40002,"end":317.18002,"sentiment":"neutral","sentiment_score":0.12243010848760605},{"text":"Yes.","start":343.59,"end":344.09,"sentiment":"neutral","sentiment_score":0.18633973598480225},{"text":"Is this the one that you're all talk talking about doing?","start":379.55,"end":382.13,"sentiment":"neutral","sentiment_score":0.027710907330567188},{"text":"Yeah.","start":382.83002,"end":383.33002,"sentiment":"neutral","sentiment_score":0.1641649305820465},{"text":"Right.","start":383.70502,"end":384.20502,"sentiment":"neutral","sentiment_score":0.2085668742656708}],"sentiment":"neutral","sentiment_score":0.06929698365274817,"num_words":16,"start":311.40002,"end":384.20502},{"sentences":[{"text":"So if I start, it's when would be a good time to start it, like, ASAP?","start":398.88998,"end":405.63,"sentiment":"neutral","sentiment_score":0.11491912370547652},{"text":"I feel really bad because I asked just to send me out a paperwork copy of that, and I I feel really bad.","start":429.78,"end":434.98,"sentiment":"neutral","sentiment_score":-0.23216399825785472},{"text":"I just had so much going on.","start":434.98,"end":436.74,"sentiment":"neutral","sentiment_score":-0.16775244155100413},{"text":"I just yeah.","start":436.74,"end":437.88,"sentiment":"neutral","sentiment_score":-0.024884041398763657},{"text":"Yeah.","start":438.26,"end":438.76,"sentiment":"neutral","sentiment_score":0.08094175904989243}],"sentiment":"neutral","sentiment_score":-0.09338086873292922,"num_words":50,"start":398.88998,"end":438.76},{"sentences":[{"text":"Yep.","start":441.195,"end":441.695,"sentiment":"neutral","sentiment_score":0.06442123651504517},{"text":"Oh, you because we've had a pay rise since then too.","start":451.83502,"end":454.17,"sentiment":"neutral","sentiment_score":0.019439827312122692},{"text":"So Mhmm.","start":466.89,"end":475.465,"sentiment":"neutral","sentiment_score":0.06084151659160852},{"text":"So that's not gonna be earning this that's not gonna be earning the same as it was.","start":493.18,"end":497.28,"sentiment":"neutral","sentiment_score":-0.13127673022887287},{"text":"Is that right?","start":497.475,"end":498.45502,"sentiment":"neutral","sentiment_score":0.039446739479899406}],"sentiment":"neutral","sentiment_score":-0.050394759568221426,"num_words":34,"start":441.195,"end":498.45502},{"sentences":[{"text":"Yes.","start":504.835,"end":505.315,"sentiment":"neutral","sentiment_score":0.16393762826919556},{"text":"Yes.","start":505.315,"end":505.815,"sentiment":"neutral","sentiment_score":0.26504233479499817},{"text":"Yes.","start":518.28,"end":518.78,"sentiment":"neutral","sentiment_score":0.32400789856910706},{"text":"Yes.","start":534.235,"end":534.6,"sentiment":"neutral","sentiment_score":0.0036504436284303665},{"text":"Yeah.","start":540.51996,"end":540.83997,"sentiment":"neutral","sentiment_score":-0.057291679084300995}],"sentiment":"neutral","sentiment_score":0.13986932523548604,"num_words":5,"start":504.835,"end":540.83997},{"sentences":[{"text":"Of course.","start":540.83997,"end":541.57996,"sentiment":"neutral","sentiment_score":-0.04535185359418392},{"text":"Yep.","start":567.42,"end":567.92,"sentiment":"neutral","sentiment_score":0.01403437089174986},{"text":"Yeah.","start":579.22504,"end":579.72504,"sentiment":"neutral","sentiment_score":-0.1063869446516037},{"text":"Twenty percent.","start":580.66504,"end":581.565,"sentiment":"neutral","sentiment_score":-0.17975565791130066},{"text":"Yep.","start":582.745,"end":583.245,"sentiment":"neutral","sentiment_score":-0.05165530741214752}],"sentiment":"neutral","sentiment_score":-0.08488898631185293,"num_words":7,"start":540.83997,"end":583.245},{"sentences":[{"text":"Yep.","start":588.745,"end":589.245,"sentiment":"neutral","sentiment_score":0.26916825771331787},{"text":"Yes.","start":597.21,"end":597.71,"sentiment":"neutral","sentiment_score":0.24052736163139343},{"text":"Right.","start":614.005,"end":614.505,"sentiment":"neutral","sentiment_score":0.26847603917121887},{"text":"Yep.","start":614.885,"end":615.385,"sentiment":"neutral","sentiment_score":0.113845095038414},{"text":"Yes.","start":617.205,"end":617.525,"sentiment":"neutral","sentiment_score":0.0849725604057312}],"sentiment":"neutral","sentiment_score":0.19539786279201507,"num_words":5,"start":588.745,"end":617.525},{"sentences":[{"text":"Sorta kinda.","start":617.525,"end":618.34503,"sentiment":"neutral","sentiment_score":0.016273153945803642},{"text":"Yeah.","start":618.405,"end":618.805,"sentiment":"neutral","sentiment_score":0.0028542373329401016},{"text":"The the the the the like like, it's withdrawn from my super that little bit that I was a bit confused with.","start":618.805,"end":627.94,"sentiment":"neutral","sentiment_score":-0.14307003061879764},{"text":"Yeah.","start":627.94,"end":628.18,"sentiment":"neutral","sentiment_score":0.20616328716278076},{"text":"It certainly helped.","start":628.18,"end":628.98,"sentiment":"positive","sentiment_score":0.34686945875485736}],"sentiment":"neutral","sentiment_score":-0.0643230505159189,"num_words":29,"start":617.525,"end":628.98},{"sentences":[{"text":"It explained a lot.","start":628.98,"end":630.36,"sentiment":"neutral","sentiment_score":0.14213679730892181},{"text":"Yeah.","start":630.5,"end":631.0,"sentiment":"neutral","sentiment_score":0.10860643535852432},{"text":"So yeah.","start":631.54,"end":633.0,"sentiment":"neutral","sentiment_score":0.1392063945531845},{"text":"Yes.","start":675.785,"end":676.185,"sentiment":"neutral","sentiment_score":0.1428404599428177},{"text":"It it would, actually.","start":676.185,"end":677.68005,"sentiment":"neutral","sentiment_score":0.13698668219149113}],"sentiment":"neutral","sentiment_score":0.13719613353411356,"num_words":12,"start":628.98,"end":677.68005},{"sentences":[{"text":"Yes.","start":677.68005,"end":678.18005,"sentiment":"neutral","sentiment_score":0.21352055668830872},{"text":"Yeah.","start":691.255,"end":691.505,"sentiment":"neutral","sentiment_score":0.017793387174606323},{"text":"Yep.","start":691.505,"end":691.755,"sentiment":"neutral","sentiment_score":-0.015439776703715324},{"text":"Why don't we do that?","start":728.795,"end":730.01495,"sentiment":"neutral","sentiment_score":-0.3160396218299866},{"text":"Why don't we do 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point.","start":744.2,"end":753.085,"sentiment":"neutral","sentiment_score":0.049032895653336135}],"sentiment":"neutral","sentiment_score":0.057050178872375956,"num_words":41,"start":730.95496,"end":753.085},{"sentences":[{"text":"Was it a 100 and 70 five?","start":768.35,"end":770.20996,"sentiment":"neutral","sentiment_score":0.022014332669121877},{"text":"Mhmm.","start":782.635,"end":782.955,"sentiment":"neutral","sentiment_score":-0.019214659929275513},{"text":"I've got that right here in front of 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I'm just following along the tables as as you say it.","start":1841.4501,"end":1844.81,"sentiment":"neutral","sentiment_score":0.06842302562048037},{"text":"So I've got a bit of an idea, but I I don't know.","start":1844.81,"end":1847.29,"sentiment":"neutral","sentiment_score":-0.009728458924935414},{"text":"I think I'm I'm I'm following you with what you're saying, but no questions as such.","start":1847.29,"end":1851.9049,"sentiment":"neutral","sentiment_score":-0.03423551085870713}],"sentiment":"neutral","sentiment_score":0.009299208475060241,"num_words":43,"start":1836.89,"end":1851.9049},{"sentences":[{"text":"So I don't think yeah.","start":1851.9049,"end":1853.205,"sentiment":"neutral","sentiment_score":-0.12227213829755783},{"text":"Yep.","start":1854.3049,"end":1854.8049,"sentiment":"neutral","sentiment_score":0.004549170844256878},{"text":"Yeah.","start":1872.45,"end":1872.69,"sentiment":"neutral","sentiment_score":0.01918267086148262},{"text":"Let's go 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you'd send that through an email, don't you?","start":2094.71,"end":2099.325,"sentiment":"neutral","sentiment_score":0.035496603528207}],"sentiment":"neutral","sentiment_score":-0.0021615348982088494,"num_words":33,"start":2069.5552,"end":2099.325},{"sentences":[{"text":"Okay.","start":2109.2249,"end":2109.7249,"sentiment":"neutral","sentiment_score":0.03532693535089493},{"text":"So no.","start":2113.66,"end":2114.94,"sentiment":"neutral","sentiment_score":-0.015316670760512352},{"text":"That's okay.","start":2114.94,"end":2115.5798,"sentiment":"neutral","sentiment_score":-0.024904615245759487},{"text":"So what do I do with this statement of advice?","start":2115.5798,"end":2117.8198,"sentiment":"neutral","sentiment_score":0.00686773108318448},{"text":"Hang on to it for a bit or what?","start":2117.8198,"end":2119.52,"sentiment":"neutral","sentiment_score":-0.007862880929476686}],"sentiment":"neutral","sentiment_score":-0.001966843924795588,"num_words":24,"start":2109.2249,"end":2119.52},{"sentences":[{"text":"Yep.","start":2130.385,"end":2130.7852,"sentiment":"neutral","sentiment_score":0.24940618872642517},{"text":"Sure.","start":2130.7852,"end":2131.2852,"sentiment":"positive","sentiment_score":0.33411291241645813},{"text":"I might just hang on to it till I get my new one, actually.","start":2133.345,"end":2135.8252,"sentiment":"neutral","sentiment_score":0.21266339932169234},{"text":"Because I like, this help this help with this phone conversation.","start":2135.8252,"end":2138.5652,"sentiment":"positive","sentiment_score":0.5931103148243644},{"text":"It helped me a lot, you know, understand it a bit 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on my fifth of the tax.","start":2651.395,"end":2658.855,"sentiment":"neutral","sentiment_score":0.11229859778414601},{"text":"So that's that's in the process of being done at the moment.","start":2660.7551,"end":2663.51,"sentiment":"neutral","sentiment_score":0.052980873423318066},{"text":"So yeah.","start":2663.51,"end":2664.5,"sentiment":"neutral","sentiment_score":0.2919432669878006}],"sentiment":"neutral","sentiment_score":0.09612046797124166,"num_words":63,"start":2642.63,"end":2664.5},{"sentences":[{"text":"Mhmm.","start":2687.5151,"end":2687.915,"sentiment":"neutral","sentiment_score":0.05611274391412735},{"text":"Yep.","start":2687.915,"end":2688.415,"sentiment":"neutral","sentiment_score":0.04055043309926987},{"text":"That's why I had to get that's why I had to get a willing 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this kind of stuff around, do 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got you've got other options and stuff that you can do.","start":4097.875,"end":4101.335,"sentiment":"neutral","sentiment_score":-0.02973282616585493},{"text":"Yep.","start":4102.275,"end":4102.775,"sentiment":"neutral","sentiment_score":0.15110336244106293},{"text":"Yes.","start":4130.535,"end":4131.0,"sentiment":"neutral","sentiment_score":0.006978537887334824},{"text":"Yes.","start":4135.0,"end":4135.5,"sentiment":"neutral","sentiment_score":0.029674850404262543},{"text":"Whereas with you guys, he's doing all he did all the homework and 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honest.","start":4350.435,"end":4357.55,"sentiment":"neutral","sentiment_score":-0.1340794378722256}],"sentiment":"neutral","sentiment_score":-0.10980367124444101,"num_words":41,"start":4329.08,"end":4357.55},{"sentences":[{"text":"I never, like, never had the conversations, I don't think, to to be able to understand what's happening with it.","start":4357.55,"end":4362.9297,"sentiment":"neutral","sentiment_score":-0.10931184627115727},{"text":"So Probably feeling very anxious about it.","start":4363.31,"end":4390.69,"sentiment":"neutral","sentiment_score":-0.24801237668309892},{"text":"I'd say with where I'm at at the moment.","start":4390.69,"end":4392.39,"sentiment":"neutral","sentiment_score":-0.018939524061150022},{"text":"I don't know.","start":4421.06,"end":4421.4604,"sentiment":"neutral","sentiment_score":-0.029853026072184246},{"text":"I think maybe about a three 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does.","start":4534.02,"end":4534.665,"sentiment":"neutral","sentiment_score":0.1517724245786667},{"text":"Yep.","start":4534.9053,"end":4535.4053,"sentiment":"neutral","sentiment_score":0.12925410270690918},{"text":"Yep.","start":4538.345,"end":4538.845,"sentiment":"neutral","sentiment_score":-0.021746035665273663},{"text":"I don't think so.","start":4539.145,"end":4540.265,"sentiment":"neutral","sentiment_score":-0.08068657852709293},{"text":"No.","start":4540.265,"end":4540.765,"sentiment":"neutral","sentiment_score":-0.10487361252307892}],"sentiment":"neutral","sentiment_score":-0.0018407789369424183,"num_words":9,"start":4534.02,"end":4540.765},{"sentences":[{"text":"No.","start":4540.985,"end":4541.485,"sentiment":"neutral","sentiment_score":-0.10994019359350204},{"text":"No.","start":4541.625,"end":4542.125,"sentiment":"neutral","sentiment_score":-0.10425196588039398},{"text":"Mhmm.","start":4551.2397,"end":4551.7397,"sentiment":"neutral","sentiment_score":0.017455030232667923},{"text":"Yep.","start":4563.045,"end":4563.525,"sentiment":"neutral","sentiment_score":0.10148348659276962},{"text":"Definitely.","start":4563.525,"end":4563.925,"sentiment":"neutral","sentiment_score":0.25292468070983887}],"sentiment":"neutral","sentiment_score":0.03153420761227608,"num_words":5,"start":4540.985,"end":4563.925},{"sentences":[{"text":"That'll be great.","start":4563.925,"end":4564.905,"sentiment":"positive","sentiment_score":0.5385041038195292},{"text":"Yep.","start":4565.2046,"end":4565.7046,"sentiment":"neutral","sentiment_score":0.2527288794517517},{"text":"So when you when do I sign this after I speak to you next week, do I?","start":4566.565,"end":4571.545,"sentiment":"neutral","sentiment_score":0.021371870904284364},{"text":"Yep.","start":4587.37,"end":4587.87,"sentiment":"neutral","sentiment_score":0.1346547305583954},{"text":"Yep.","start":4588.41,"end":4588.875,"sentiment":"neutral","sentiment_score":0.15373945236206055}],"sentiment":"neutral","sentiment_score":0.10956335561754911,"num_words":23,"start":4563.925,"end":4588.875},{"sentences":[{"text":"Yeah.","start":4597.915,"end":4598.235,"sentiment":"neutral","sentiment_score":0.06839128583669662},{"text":"I think that's doctor sign, isn't it?","start":4598.235,"end":4599.915,"sentiment":"neutral","sentiment_score":0.02792109821790031},{"text":"I think I've got that set up.","start":4599.915,"end":4601.775,"sentiment":"neutral","sentiment_score":0.027787847577461174},{"text":"Yep.","start":4601.995,"end":4602.495,"sentiment":"neutral","sentiment_score":0.07576650381088257},{"text":"Yeah.","start":4608.15,"end":4608.4697,"sentiment":"neutral","sentiment_score":0.04459310695528984}],"sentiment":"neutral","sentiment_score":0.03404197159825879,"num_words":17,"start":4597.915,"end":4608.4697},{"sentences":[{"text":"I think I've done that once before with you guys, I think.","start":4608.4697,"end":4611.13,"sentiment":"neutral","sentiment_score":0.0352886663749814},{"text":"Yep.","start":4611.27,"end":4611.77,"sentiment":"neutral","sentiment_score":0.15954652428627014},{"text":"For sure.","start":4616.79,"end":4617.465,"sentiment":"neutral","sentiment_score":0.12990062311291695},{"text":"Okay.","start":4617.7847,"end":4618.2847,"sentiment":"neutral","sentiment_score":0.16907303035259247},{"text":"Alright.","start":4618.8247,"end":4619.3247,"sentiment":"positive","sentiment_score":0.35324394702911377}],"sentiment":"neutral","sentiment_score":0.0803016908466816,"num_words":17,"start":4608.4697,"end":4619.3247},{"sentences":[{"text":"Sounds great.","start":4620.185,"end":4620.905,"sentiment":"positive","sentiment_score":0.6782362759113312},{"text":"Thank you so much for today.","start":4620.905,"end":4622.445,"sentiment":"positive","sentiment_score":0.7548557917277018},{"text":"I'll jot them down, and I'll ask you next Thursday.","start":4631.625,"end":4634.1,"sentiment":"neutral","sentiment_score":0.1391667976975441},{"text":"Okay.","start":4636.08,"end":4636.58,"sentiment":"positive","sentiment_score":0.3724439740180969},{"text":"Alright.","start":4637.1997,"end":4637.6997,"sentiment":"positive","sentiment_score":0.3710685670375824}],"sentiment":"positive","sentiment_score":0.40103939101099967,"num_words":20,"start":4620.185,"end":4637.6997},{"sentences":[{"text":"Okay.","start":4638.48,"end":4638.98,"sentiment":"positive","sentiment_score":0.4641801118850708},{"text":"You too, and thank you.","start":4641.36,"end":4642.9,"sentiment":"positive","sentiment_score":0.5104236245155335},{"text":"Okay.","start":4643.6,"end":4644.1,"sentiment":"neutral","sentiment_score":0.062114618718624115},{"text":"Take care.","start":4644.4,"end":4645.2197,"sentiment":"positive","sentiment_score":0.33693747222423553},{"text":"Bye.","start":4646.08,"end":4646.58,"sentiment":"neutral","sentiment_score":0.2913753390312195}],"sentiment":"positive","sentiment_score":0.40436631366610526,"num_words":10,"start":4638.48,"end":4646.58},{"sentences":[{"text":"Bye.","start":4646.7197,"end":4647.2197,"sentiment":"neutral","sentiment_score":0.1795690953731537}],"sentiment":"neutral","sentiment_score":0.1795690953731537,"num_words":1,"start":4646.7197,"end":4647.2197}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Oh, hi, Sharon. It's Dana from Oceania Financial. How are you this afternoon?\n\nChannel 1: I'm very well. Thank you. Can you hear me okay?\n\nChannel 0: Yeah. I can hear you perfectly fine. Can you hear\n\nChannel 1: I can. I can for sure.\n\nChannel 0: alright?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: Definitely.\n\nChannel 0: All good, Sharon. I just had you booked in for a bit of a catch up in relation to the advice we provided a few months back. Is now still a good time there for you?\n\nChannel 1: Yep. That's fine. Totally fine.\n\nChannel 0: Fantastic. Before I jump into the call, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. Definitely. That's fine. Yep.\n\nChannel 0: Fantastic. And then, also, just to do a really quick security check there with you, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Sharon Joy Carey, second of the third\n\nChannel 0: Yeah.\n\nChannel 1: nineteen sixty three, and I reside at 1 Slash 11 Johnson Street, Stanthorpe, Queensland 4380.\n\nChannel 0: Fantastic. Beautiful. Thank you so much for that, Sharon. So just as with the the cat test today, one of the things that was sort of made mention was that you seemed pretty happy with most of the advice there. The main sort of aspect was that trans transition to retirement strategy you weren't weren't sure if you wanted to go ahead with.\n\nDoes\n\nChannel 1: Yep.\n\nChannel 0: that sound about right?\n\nChannel 1: Yeah. That was that. But I yeah. I I just yeah. I don't know.\n\nI'm well, I didn't fully understand. I don't know. I'm not quite with it with that. I'm not sure. Yes.\n\nChannel 0: Yep. That's okay. So the way a transition retirement strategy works is that, essentially, at the moment, you've got your super account, and your super is sitting in what's called an accumulation phase. Essentially, to have this TTR strategy as it's called shortly, we look to increase your contributions in the super as much as we possibly cap can up to the concessional cap to say as an example, the concessional cap is 32,500 this financial year. So we look at what your income is and what your employer So we look at what your income is and what your employer contributions are going in and then increase those contributions up to the cap as much as we possibly can.\n\nNow because that money goes into super by way of salary sacrifice, it reduces how much you have take home pay. That's generally not preferable because it means that you end up with less money to pay all of your bills.\n\nChannel 1: Yes.\n\nChannel 0: So then we can open up a secondary account. And because you're over over 60, we're able to open up a a it's called a transition to retirement pension account. The rules of opening up this pension account are that you can only access a minimum at the moment of 4% of your balance transferred and a maximum of 10%. And so because we're putting more money into super by way of salary sacrifice, we're also drawing some out to replenish your income. And the money that comes out of that transition retirement pension is tax free because you're over the age of 60, And we don't have to take as much out as what we're putting in because the money going in is pretax.\n\nEssentially, it keeps your take home pay exactly the same. You pay less tax because you're putting more money in the super from your pretax income, and your take home pay isn't effective because you're getting your income from your employer plus this money out of your super out of this pension account to supplement your income. Does\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: that\n\nChannel 0: make\n\nChannel 1: gets\n\nChannel 0: a little\n\nChannel 1: put\n\nChannel 0: bit more sense?\n\nChannel 1: back so that\n\nChannel 0: Yes.\n\nChannel 1: gets put back into my account.\n\nChannel 0: That's correct. It goes into your bank account from this secondary pension account. Yeah.\n\nChannel 1: Right. So how does that affect oh, I don't pay any tax on that, do I?\n\nChannel 0: No. You don't because you're over 60. Yeah.\n\nChannel 1: Okay. And, like, how long did you say it'd take to get into my account? Like, just the next day or something?\n\nChannel 0: Very quickly. Yeah. Correct. So this salary sacrifice happens with your employer. When we set up the transition time and pension account, we allocate when you want those pension payments to be made.\n\nSo say if you get paid on a Wednesday once every fortnight, we can have that payment so it's drawn down on that same Wednesday so it hits your account the same day as your income or the next day. We actually get a lot of control as to when the, those funds are expected to hit your bank account.\n\nChannel 1: Right. So what did you say the bit was about the salary salary because I already salary sacrificed.\n\nChannel 0: Yes. So with your salary sacrifice, are you salary sacrificing in the super, or are you paying bills or having money moved into different areas? How how does your salary\n\nChannel 1: Well,\n\nChannel 0: sacrifice\n\nChannel 1: what\n\nChannel 0: work?\n\nChannel 1: happens is my salary sacrificing money so\n\nChannel 0: Mhmm.\n\nChannel 1: I get paid less my salary sacrificing money. On the Wednesday night, I'll pay those in. Then the next day, my salary sacrificing money comes back into my account, which stays there until I think it's the next four the next week or so that I pay my rent so that I'd use\n\nChannel 0: Mhmm.\n\nChannel 1: that for my rent, and I get a certain amount on a card. And\n\nChannel 0: Right.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: pay\n\nChannel 0: what you're\n\nChannel 1: I I\n\nChannel 0: yeah.\n\nChannel 1: pay bills\n\nChannel 0: Sorry.\n\nChannel 1: off with that and stuff like that, and that's like, if I need any if I need to go for dinner or anything like that, that's on that card.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep. That's okay. So what you're essentially doing is called salary packaging. So you're packaging\n\nChannel 1: yeah.\n\nChannel 0: your money or having your money moved from your pretax income onto this card so you can pay your bills, and that money is moved out pretax. And the same thing with your rent. Your rent is being paid pretax. Salary sacrifice by putting more money into super works basically the same way. It's like a 100 doll if you are doing, say, a $100 salary sacrifice into super, that $100 is taken out of your income before your income tax is paid, and\n\nChannel 1: Yes.\n\nChannel 0: it's put into super. So instead of if you're in a 30% tax bracket, 30% of a $100, if that $100 went into your pay and into your bank account, you would pay 30% tax on that money. By putting it into super, you're only paying 15% tax. Well, the super fund is only paying 15% tax. So that $100 is leaving your your wage or your employer is paying that into super before they work out your income tax.\n\nSo you're actually not paying income tax on on your personal income tax on that $100. It's going into super and then having 15% tax taken out of it.\n\nChannel 1: Is this the one that you're all talk talking about doing?\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Yeah. So it is a different sort of salary sacrifice. It is money going out of your income and into super, and it helps to boost your super, helps to, you know, make sure you've got more money invested in super working towards your retirement aspect. Yeah.\n\nChannel 1: So if I start, it's when would be a good time to start it, like,\n\nChannel 0: Generally, look,\n\nChannel 1: ASAP?\n\nChannel 0: preferably, you wanna yeah. Preferably, you'd kinda wanna do it around about tax time. But because it is hard to kinda get every TTR plan done in time and sort of start everything around that time, there's no there's no real, you know, best or worst start time. As soon as possible is generally the best way to go. Because this advice has been provided back in May, it is, unfortunately, fully expired now, so I'll have to go back and\n\nChannel 1: I feel\n\nChannel 0: redo\n\nChannel 1: really\n\nChannel 0: it\n\nChannel 1: bad\n\nChannel 0: for\n\nChannel 1: because\n\nChannel 0: you.\n\nChannel 1: I asked just to send\n\nChannel 0: No.\n\nChannel 1: me out a paperwork copy\n\nChannel 0: Yeah.\n\nChannel 1: of that, and I I feel really\n\nChannel 0: That's\n\nChannel 1: bad. I just had\n\nChannel 0: okay.\n\nChannel 1: so much going\n\nChannel 0: Don't.\n\nChannel 1: on. I just yeah.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: honestly fine. Not a problem at all. If you can\n\nChannel 1: Yep.\n\nChannel 0: just maybe send me through your payslips again. Just send me, like, your last two payslips. I can go back through. Just double check the numbers because there could be now some discrepancy from what we presented last time.\n\nChannel 1: Oh, you because\n\nChannel 0: We\n\nChannel 1: we've had\n\nChannel 0: can\n\nChannel 1: a\n\nChannel 0: go\n\nChannel 1: pay rise since then too.\n\nChannel 0: perfect. So we can go back and just double check the numbers against the TTR strategy for you. I can update the document and send it through. Alternatively, if you don't wanna do that, you can just go forward. I can just\n\nChannel 1: So\n\nChannel 0: do, like, an investment switch because the other part of the plan was to alter your investments. We were looking at reducing your risk level as well. So\n\nChannel 1: Mhmm.\n\nChannel 0: at the moment, having a look sorry. At the moment, you're in more of that growth environment. And because you are generally about sort of four to five years out from wanting to access your funds and starting to retire, we also talked about reducing your risk level in the market. So, you know, altering your investments, reducing\n\nChannel 1: So\n\nChannel 0: risk\n\nChannel 1: that's\n\nChannel 0: in\n\nChannel 1: not\n\nChannel 0: the\n\nChannel 1: gonna be earning this that's not gonna be earning the same as it was. Is\n\nChannel 0: market.\n\nChannel 1: that right?\n\nChannel 0: As one of the biggest things, when you are reducing risk, you are reducing the expected returns that come out of the portfolio. In\n\nChannel 1: Yes.\n\nChannel 0: saying\n\nChannel 1: Yes.\n\nChannel 0: that, some some lower risk portfolios have really great years, and you can get still get a ten, fifteen, or 20% return. But, yes, the idea is when you are reducing risk, you are reducing the expected returns that you are getting, and that is\n\nChannel 1: Yes.\n\nChannel 0: because you're protecting your capital. So in that growth portfolio you're in now, you see that 80% of your super invested in those growth assets. So think about things like Australian shares, international shares, listed property and commodities, so gold and silver. Those\n\nChannel 1: Yes.\n\nChannel 0: sorts of investments go up and down quite drastically. And when you have a down time, you feel that more drastically.\n\nChannel 1: Yeah. Of\n\nChannel 0: That\n\nChannel 1: course.\n\nChannel 0: growth portfolio the growth environment normally suits someone who has at least six years before accessing their money. Because if you think back to the GFC in the, you know, early to mid two thousand, 2007, 2008, a lot of people were about to retire, and then the GFC came out of nowhere, and the market dropped near 60% in a day. And, essentially, a lot of people saw their super balance fall very, very heavily.\n\nChannel 1: Yep.\n\nChannel 0: Being in that balanced environment, which is where we wanted to move you into, reduces your risk level or reduces your exposure into those growth assets from 80% to 60%. So you're dropping\n\nChannel 1: Yeah.\n\nChannel 0: down about 20\n\nChannel 1: Twenty\n\nChannel 0: in the\n\nChannel 1: percent.\n\nChannel 0: high risk category and\n\nChannel 1: Yep.\n\nChannel 0: then increasing the increasing the defensive low risk investments by 20% as well.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, your low risk investments are seen as cash, bonds, fixed interest. They're cash producing. Because when\n\nChannel 1: Yes.\n\nChannel 0: you're in those retirement years, we wanna have investments that are producing cash. So paying cash that goes into your cash account in your super fund. So when you're drawing down income, that cash will help to cover the income so you don't have to sell as many investments. It's yeah.\n\nChannel 1: Right.\n\nChannel 0: Does that help?\n\nChannel 1: Yep.\n\nChannel 0: Does that explain a little bit? Does that make sense? Please\n\nChannel 1: Yes.\n\nChannel 0: let\n\nChannel 1: Sorta\n\nChannel 0: me know.\n\nChannel 1: kinda. Yeah. The the the the the like like, it's withdrawn from my super that little bit that I was a bit confused with. Yeah. It certainly helped.\n\nIt\n\nChannel 0: Yeah.\n\nChannel 1: explained a lot. Yeah. So yeah.\n\nChannel 0: That's okay. Do you sort of still feel like reducing the risk level would be important to you, maybe altering the investments? Like, I know it does mean the returns are gonna be lower as well or expected to be lower. There's no guarantees you can get just as good returns in a lower risk portfolio. But the biggest thing I would wanna sort of, you know, try to avoid where possible is having you a year out from trying to in trying to access your money.\n\nSay, you'd be 64 or 65 and saying, hey. I wanna retire next year and to take an income, and then we see a 20 or 30% drop in the market and your super balance drops very heavily. Would that kind of make you feel really concerned? How would you feel in that instance?\n\nChannel 1: Yes. It it would, actually. Yes.\n\nChannel 0: Yeah. So reducing the risk level now, and we like to do it a little bit out from when you run or retire. So we do things in increments. We would normally start to do it in more in more slower increments, like 10% increments, but we're doing it a bit\n\nChannel 1: Yeah.\n\nChannel 0: more drastically\n\nChannel 1: Yep.\n\nChannel 0: because you're only sort of four years out from retirement at the worst case. So with what you sort of mentioned you wanted to when you wanted to retire and start working, so being able to drop from that gross to balance is probably a little bit more drastic than what we would normally expect. If you wanted to, I could always look at going halfway and showing you what the growth portfolio you know, if we moved you from that growth portfolio now into more of a balanced growth environment. And that's only a 10% drop. That's going from 80% in those growth investments to only 70%.\n\nAnd we can look at this incrementally moving it down each year if you would like to.\n\nChannel 1: Why don't we do that? Why don't we do\n\nChannel 0: Yeah.\n\nChannel 1: that? Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Not a problem. So more of that balanced growth environment for the new advice piece? Sure\n\nChannel 1: Yep.\n\nChannel 0: can.\n\nChannel 1: Also,\n\nChannel 0: Reduce\n\nChannel 1: on that\n\nChannel 0: risk.\n\nChannel 1: paperwork, I know this was back\n\nChannel 0: Yes.\n\nChannel 1: in May.\n\nChannel 0: That's okay.\n\nChannel 1: What was the recommended do you know the recommended amount that I possibly should have in there when I do retire when I do reach\n\nChannel 0: So\n\nChannel 1: that point.\n\nChannel 0: with yeah. Absolutely. So when we have a look at the the projected outcome, we looked at age 65 and 67, and we were looking at\n\nChannel 1: Was it\n\nChannel 0: because\n\nChannel 1: a 100\n\nChannel 0: your\n\nChannel 1: and 70\n\nChannel 0: balance\n\nChannel 1: five?\n\nChannel 0: yes. So in your current portfolio in the growth environment, in the next two years, the projected outcome was to be a 175.\n\nChannel 1: Mhmm. I've\n\nChannel 0: With\n\nChannel 1: got that\n\nChannel 0: reducing\n\nChannel 1: right here\n\nChannel 0: your\n\nChannel 1: in front\n\nChannel 0: risk\n\nChannel 1: of me.\n\nChannel 0: yeah. So with\n\nChannel 1: Yep.\n\nChannel 0: reducing risk, are you looking at the document on page 21 there?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. If you have a look, so the current column of that projection table is basically if you were to stay in your current portfolio with the current balance, and it was to obtain that 11.24% over the next two to four years below that, that's the projected outcome of where you could end up. With the recommended, we were moving into a balanced portfolio, so reducing your risk level.\n\nChannel 1: It's\n\nChannel 0: The\n\nChannel 1: a\n\nChannel 0: balanced\n\nChannel 1: 100 and\n\nChannel 0: portfolio\n\nChannel 1: 64.\n\nChannel 0: had averaged about 9.73%. So it sort of meant that in the next two years, if the portfolio was able to achieve that return, you could end up with a 164,000 or over the next four years, a 187,000 there as well.\n\nChannel 1: That's recommended. But currently, so currently,\n\nChannel 0: Yep.\n\nChannel 1: for us to leave it the same,\n\nChannel 0: Mhmm.\n\nChannel 1: that's is that is that what that means? So that's what like, the\n\nChannel 0: If\n\nChannel 1: 100\n\nChannel 0: you were to\n\nChannel 1: and 70\n\nChannel 0: leave it\n\nChannel 1: five.\n\nChannel 0: the same, yeah, if you were to leave it the same, that's where you could end up. That's in the higher risk portfolio, obviously, hoping to get the greater returns. There's no guarantees that you will get 11%. So a projection table is just projected on where you could be in the next two to four years if you got the same market conditions, if we could get the same return. The biggest thing with projection tables is that when we look at investments and returns, we have to use past data.\n\nBut past data doesn't mean that you're going to get the same return over the next couple of years. It just sort of shows us what investments have or how they have performed, what investments have done well over the past, and when we look the volatility. So when we look at the last five years, what kind of market ups and downs have we seen? Because we have seen a lot of ups and downs\n\nChannel 1: Oh,\n\nChannel 0: over\n\nChannel 1: ups\n\nChannel 0: the past\n\nChannel 1: and downs.\n\nChannel 0: couple of\n\nChannel 1: Definitely.\n\nChannel 0: years. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: And so if a portfolio can go through the last five years and still average 11% return, then moving forward, depending on what kind of ups and downs we see, that\n\nChannel 1: Yep.\n\nChannel 0: portfolio can still obtain that same return. Not guaranteed to, but could. So that's how we utilize past data to look at returns, hoping to make sure it reflects the future. We're hoping that it reflects the future, but it's not always guaranteed. So we like to sort of say projection tables are just where you're tracking based on the information we have from the past.\n\nIf the portfolio was able to get the same returns as what it has, this is where you could end up. If you're in the document, if you go to page 34 for me, this is a secondary projection table.\n\nChannel 1: Yeah. It's a bit bit it's really hard decision\n\nChannel 0: Yeah.\n\nChannel 1: to make, isn't it?\n\nChannel 0: It is. It's okay. We can always do it slower if you wanted to. I could always look at just doing the investment switch first, and then we come back and look at the TTR down the track if you would like to.\n\nChannel 1: So do the investment switch. Yep.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Which is\n\nChannel 0: The\n\nChannel 1: the\n\nChannel 0: other side you're right.\n\nChannel 1: so the other so the investment switch when you say the investment switch, that was the\n\nChannel 0: Well, that's that's reducing your risk level and changing the investments.\n\nChannel 1: yeah. But we could you said\n\nChannel 0: Yeah.\n\nChannel 1: we could do that start out at, like, 10% or something.\n\nChannel 0: Yeah. So we're reducing your risk to 10%. So we're going from the growth environment that you're in now, which is 80% in those high risk investments, to the balanced growth environment. So we're stepping down one step and having 70% there. But that's what it's called.\n\nIt's called an investment switch because we have to change the investments within your portfolio so that they are in that level.\n\nChannel 1: Yeah. Right. Okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Now okay. I'm on page 34. Could you is that\n\nChannel 0: Beautiful.\n\nChannel 1: you looking at the table down the bottom?\n\nChannel 0: Yeah. So this is a secondary projection table, and this was in there under that transition retirement strategy. So remember we talked about going through the investment changes, reducing your risk level, moving you into that balanced portfolio, and then we went through that difference in the transition retirement strategy where you're putting more money into your super funds and drawing a little bit out to replenish your income. This table shows you if you were to follow that strategy and still get that 9.73% from, say, the five last five well, that balanced portfolio because we've been able to perform that 9.73 over the past five years averaged. The recommended underneath that shows that in the next two to four years, you could end up with a 170,000 or a\n\nChannel 1: Mhmm.\n\nChannel 0: 197,000. So that TTR strategy by putting more money into super whilst you are drawing a little bit out to replenish your income, it means that you've got more money in that super system. So it closes the gap a little bit that was created by reducing the risk level.\n\nChannel 1: Yeah. Right. It does, doesn't it? Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. So yeah. Okay. So but I don't lose out of my pay, though, do I? It's still the same.\n\nChannel 0: That's correct. Yeah. So if you go up for me sorry. I'll\n\nChannel 1: I'm\n\nChannel 0: just\n\nChannel 1: 30\n\nChannel 0: take\n\nChannel 1: four.\n\nChannel 0: you back to yeah. No. That's okay. If you go back up for me to page number 27, I'll show you how this was to look, and I can go back and always update the figures. That's okay.\n\nChannel 1: On page\n\nChannel 0: But\n\nChannel 1: 27. Okay. Yep.\n\nChannel 0: yes. So based on your income of 65,115,\n\nChannel 1: Yep. Yep.\n\nChannel 0: Currently, you've got no salary sacrifice going into super. You've got money going elsewhere, but nothing going into super. So it's just your employer contributions. Under your\n\nChannel 1: Yep.\n\nChannel 0: current scenario, your salary is 65,115 with no current salary sacrifice in the super. With\n\nChannel 1: Mhmm.\n\nChannel 0: five. Then you pay income tax. So within the tax bracket, say, 30% tax bracket, you're also paying income tax. The estimated income tax on income tax. The estimated\n\nChannel 1: Mhmm.\n\nChannel 0: income tax on your income is 11,601 for the year. That then means your net income, so your take home pay after income tax is 50\n\nChannel 1: Yes.\n\nChannel 0: $3,006.04.\n\nChannel 1: Yes. Yes.\n\nChannel 0: The way a TTR strategy works is that you start with your proposed on the proposed side there, $65,001.01 5, then we increase your salary sacrifice. So for the year, it's 20,200, and that pay per week is $388.46.\n\nChannel 1: Yes.\n\nChannel 0: That then reduces your your gross pay because salary sacrifice, that money goes into super from your pre tax income. That then reduces your taxable income, this is gross, to 44,915. Then your employer pays income tax on that. They only pay income tax at 4,843. That reduces your net income down to $40,072.\n\nAnd because your take home pay should be $53,005.01 4, we then just draw a little bit out of super. So we draw $13,004.04 1 out to bring your take home pay back up to about the same.\n\nChannel 1: Right. Okay. Yep.\n\nChannel 0: So that with pension withdrawal is how much comes out of the super system to be able to replenish your income.\n\nChannel 1: Right. So\n\nChannel 0: Yes.\n\nChannel 1: when I am to retire, does\n\nChannel 0: Yep.\n\nChannel 1: that all go just back into my super account, or what happens, like, with that? Like, if that's in a\n\nChannel 0: That's\n\nChannel 1: separate\n\nChannel 0: okay.\n\nChannel 1: is that a stupid question?\n\nChannel 0: No. It's absolutely not. So this would sort of work the way it is now. And every year, we'd reevaluate your income and roll that money back into super into accumulation. So the super system has different super accounts.\n\nSo you think\n\nChannel 1: Yes.\n\nChannel 0: of your super as it is now. You're in the accumulation phase because you're accumulating wealth for retirement.\n\nChannel 1: Yes.\n\nChannel 0: The sorry. Transition retirement pension account is one type of pension account. It is a transition pension account and is set up so that you can build income or transition into that retirement phase. Some people might use it for as an example, my mom uses it because she's dropped her hours, so she uses it to transition into the pension phase and start to draw a bit of income out to keep her\n\nChannel 1: Out\n\nChannel 0: income\n\nChannel 1: of that\n\nChannel 0: the\n\nChannel 1: pension\n\nChannel 0: same. So\n\nChannel 1: out of that pension account.\n\nChannel 0: yeah. Yep. So she can drop\n\nChannel 1: So\n\nChannel 0: hours. And she went from full time to part time work, but kept her income the same by pulling money out of the super system.\n\nChannel 1: Because that's what I was going to look at doing when I turned 60\n\nChannel 0: Yep.\n\nChannel 1: five. I was gonna drop\n\nChannel 0: Yep.\n\nChannel 1: a day and work it\n\nChannel 0: And\n\nChannel 1: through\n\nChannel 0: we\n\nChannel 1: my\n\nChannel 0: can still do that. Yeah. We\n\nChannel 1: yeah.\n\nChannel 0: can still definitely do that. So what what a lot of people do at the moment is when they're still working full time, they utilize this sort of strategy as a way to put more into super, but you get the advantage of it being a bit more tax advantaged for you. So you're putting more money into the super system to boost your retirement. But because you still have a lot of bills and expenditure, we use that transition to retirement pension account to bring some money out to keep your take home pay the same. Whilst you're still doing the full amount of full time hours, you know, you you no change to work.\n\nWhen you get to 65, if you then decide you want to replenish your income but drop hours, once you hit 65, you don't have to have the condition of release to stop working. At 65, regardless of whether you're working or not, you can have access to all of your money. So at, say,\n\nChannel 1: All of\n\nChannel 0: 60\n\nChannel 1: my\n\nChannel 0: four\n\nChannel 1: super.\n\nChannel 0: six all of your super, completely\n\nChannel 1: Yes.\n\nChannel 0: tax free. 60\n\nChannel 1: Yes.\n\nChannel 0: 5 is a condition of release regardless of whether you're working or not. Before 65, you have to be over the age of 60 or preservation age and have the intention to stop working.\n\nChannel 1: Yeah. Right. But, ideally, if you can do it,\n\nChannel 0: Yes.\n\nChannel 1: you're better\n\nChannel 0: Absolutely.\n\nChannel 1: off to keep your super working for you.\n\nChannel 0: Absolutely. But, say, 65, if you decide you wanna drop from five days to say four days of work. We just work out what your income is. We can roll everything back into the accumulation phase. We can reopen a separate pension account again so you have we basically do it's called a refresh.\n\nSo you roll your pension back into accumulation, put it all back together again, and then roll some more money back into that pension. You still keep your accumulation phase open here because you're still working. You want somewhere for your contributions\n\nChannel 1: Yes.\n\nChannel 0: to go, But then we can access the additional funds to say if you're earning $600 a week, and that one day means that you need to draw a $100 a week out of your pension account to keep your income the same, we can do that. We can set that up. So a $100 every week is drawn out of your pension account and put into your bank account, so you're you're replenishing your income. That means you\n\nChannel 1: Right.\n\nChannel 0: have the same amount to live on every week to pay your bills. It's just coming from two two sources of income. One from\n\nChannel 1: Yeah.\n\nChannel 0: your\n\nChannel 1: Right.\n\nChannel 0: employer, the other one from a super system. Yeah. Does\n\nChannel 1: Right.\n\nChannel 0: that make sense?\n\nChannel 1: Okay. Yeah. It does. Yep.\n\nChannel 0: It's a\n\nChannel 1: Yep.\n\nChannel 0: little bit there's a lot to it. It's okay.\n\nChannel 1: There's a lot to take in, like but I like, I understand that more so now. Like,\n\nChannel 0: Yeah.\n\nChannel 1: I've spoken to you again about it. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yep.\n\nChannel 0: Absolutely. Would you like me to go back and refresh the strategy to maybe reflect any changes and update that for you so we can go through it again? Or would you like to just take it a bit slower and maybe just start with, you know, reducing your risk and switching the investments? How would you like to move forward? Because we can go as fast or as slow as you would like,\n\nChannel 1: Well, what do you think? Like, you said, let's cut it back 10%.\n\nChannel 0: Sharon. Yep. Yep. So we'll start by reducing your risk level in the portfolio, making some changes to the investments there. Do you wanna do that first, and then maybe\n\nChannel 1: Mhmm.\n\nChannel 0: in a couple of months, we come back and revisit that TTR strategy and sort of go through that again, or would you like me to do it as one document the\n\nChannel 1: That's\n\nChannel 0: same as\n\nChannel 1: with\n\nChannel 0: I did\n\nChannel 1: the both\n\nChannel 0: last\n\nChannel 1: with\n\nChannel 0: time?\n\nChannel 1: the both things in it.\n\nChannel 0: Yeah. What would\n\nChannel 1: The\n\nChannel 0: you like?\n\nChannel 1: the pension account and with both in it.\n\nChannel 0: Yes. Yeah. So this advice document at the very top is about the reducing of the risk, and it's about changing your investment strategy. So that's where the different strategies\n\nChannel 1: Yes.\n\nChannel 0: come into play. So\n\nChannel 1: Two.\n\nChannel 0: if I can if it's okay, if you can scroll up for me again just so I can make sure that you're fully getting it, to page number eight.\n\nChannel 1: Eight.\n\nChannel 0: Yeah. On the bottom of that page, it has a a table, and it says our advice to you.\n\nChannel 1: Yeah. Number about you. Nine. No. I'm just at the page before after.\n\nChannel 0: That's okay.\n\nChannel 1: Okay. Our advice to you. Okay. I've got it.\n\nChannel 0: Yeah.\n\nChannel 1: Sharon.\n\nChannel 0: So you'll\n\nChannel 1: Yep.\n\nChannel 0: see the table there. Right? The different strategies are the different areas. So the first strategy where it says, Sharon, retain your Netwealth Superfund and change your underlying investments. That strategy there, when you go down and read the strategy through, it's about retaining your Netwealth Superfund, changing your underlying investment.\n\nSo we're reducing your risk from that growth portfolio to the balanced portfolio. And because we to do that, we actually have to switch your investments. We have to sell some, buy some other ones. We also did find that in your portfolio, there was some underperforming investments. So we want kinda wanted to switch those out and change the portfolio\n\nChannel 1: Yep.\n\nChannel 0: for you.\n\nChannel 1: Mhmm.\n\nChannel 0: If you go down now for me to page number 18, I'm sorry to kind of move you up and down a little bit. Just\n\nChannel 1: Eight\n\nChannel 0: wanna\n\nChannel 1: 18\n\nChannel 0: make sure I can\n\nChannel 1: 18,\n\nChannel 0: do it.\n\nChannel 1: did you\n\nChannel 0: 18.\n\nChannel 1: say?\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Just\n\nChannel 1: Okay.\n\nChannel 0: so you can see what that looks like.\n\nChannel 1: Got\n\nChannel 0: Sorry to move you around a little bit.\n\nChannel 1: that.\n\nChannel 0: Just trying\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: That's\n\nChannel 0: sort of\n\nChannel 1: fine.\n\nChannel 0: maneuver\n\nChannel 1: I\n\nChannel 0: it so\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: get more\n\nChannel 0: it makes\n\nChannel 1: of an\n\nChannel 0: it\n\nChannel 1: under\n\nChannel 0: easier on\n\nChannel 1: it's\n\nChannel 0: you.\n\nChannel 1: good because I've got\n\nChannel 0: Yeah.\n\nChannel 1: that here in front of me this time. So, like, last time,\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: good.\n\nChannel 1: didn't have any figures or anything in front of me. So it's\n\nChannel 0: Yeah.\n\nChannel 1: I I\n\nChannel 0: That's\n\nChannel 1: think\n\nChannel 0: okay.\n\nChannel 1: it's helping me. Understandable. Yeah.\n\nChannel 0: That's that's all good, honestly. It's all okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So the heading on this one is the investment. So in order to move you and change your risk level in your portfolio, we actually have to buy and sell investments so that you're when we complete the investment switch, you're in a lower risk portfolio, but you hold the weighting that you need to have. So in\n\nChannel 1: Mhmm.\n\nChannel 0: order to move you from that growth to that balanced portfolio, we needed to buy more physical gold to sort of break this down. The first heading\n\nChannel 1: Mhmm.\n\nChannel 0: is Global X physical gold. The second column is your current weighting. So how much of that investment you have in your super fund right now? At the moment, you have 9.21% of that investment in your portfolio. We wanna\n\nChannel 1: Mhmm.\n\nChannel 0: hold in the balanced portfolio, we wanna hold 10% of that investment. That's the second last column, the target weight. So in order to get you to 10%, we would need to buy, and you'll see the green column.\n\nChannel 1: Mhmm.\n\nChannel 0: We need to buy 1 $1,317.61 of physical gold to get you\n\nChannel 1: Mhmm.\n\nChannel 0: to 10%. So you hold 14,270 in your portfolio based on the the balance we had in here. Okay? Does\n\nChannel 1: Mhmm.\n\nChannel 0: that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. With the a 200, that investment is tracking the top two hundred hundred to make sure you only have 10% weighting of that investment. And that's because the a 200, while it's tracking the top 200 companies on the ASX, is a growth investment. That is one of the ones that goes up and down. That's like holding Australian companies in shares.\n\nAnd that investment goes up and down quite drastically and can make us quite scared. So it isn't a it's a growth investment. So part of changing your risk profile is selling some of this growth investment to change your weighting to make sure you have less of that in your portfolio. Does that\n\nChannel 1: Mhmm.\n\nChannel 0: make\n\nChannel 1: Right.\n\nChannel 0: sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. The Vanguard fixed interest, we wanted to remove that completely. It is a good investment, but we wanted to just remove it out of there completely. So we were selling all of that one down.\n\nChannel 1: Yep.\n\nChannel 0: The cybersecurity, again, is a growth investment. We wanted to keep that 5% of that was a a good amount in your new portfolio. So you had about zero 5.02%. So we only had to sell off about $75 to make sure you had 5% in there.\n\nChannel 1: Right. Okay.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: The iShares Europe investment, this is giving you access or exposure to all the European countries and all the ASX of the exchanges within those companies. So their version of the ASX, essentially, the share market, you currently had 5.06%. We just had to buy $18 to increase your weight to 5% in a newer portfolio. So\n\nChannel 1: Yes.\n\nChannel 0: it\n\nChannel 1: Alright.\n\nChannel 0: was just about changing buying and selling investments so\n\nChannel 1: Yep.\n\nChannel 0: that your newer portfolio was weighted correctly.\n\nChannel 1: Yep.\n\nChannel 0: You had basically, when we look at a weighting target, we just wanna make sure you have the right percentage of that investment. And when we buy and sell, we have to work out what percentage you need to hold, but then we actually tell Hub twenty four or Netwealth how much as a dollar figure needs to be bought or sold to keep\n\nChannel 1: Mhmm.\n\nChannel 0: you waiting correctly. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. It's\n\nChannel 1: Yep.\n\nChannel 0: a lot. Do you have questions? You're allowed to let me know if\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: I'm just\n\nChannel 0: have\n\nChannel 1: following\n\nChannel 0: more questions.\n\nChannel 1: along the tables as as you say it. So I've got a bit of an idea, but I I don't know. I think I'm I'm I'm following you with what you're saying,\n\nChannel 0: Yep.\n\nChannel 1: but no questions as such. So I don't think\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: okay. But, realistically,\n\nChannel 1: Yep.\n\nChannel 0: what I because we've sort of gone through things and you kinda don't wanna reduce your risk as much into that balanced environment, do you want me to go back and just maybe look at the balanced growth so we're not stepping down so drastically, just stepping down those risk steps a little bit at a time, 10% at a time?\n\nChannel 1: Yeah. Let's go 10%. Let's do\n\nChannel 0: 10\n\nChannel 1: that.\n\nChannel 0: percent?\n\nChannel 1: I'm not making\n\nChannel 0: Absolutely.\n\nChannel 1: a voice choice, but yeah.\n\nChannel 0: No. That's okay. And, look, if you come back to me in a month's time ago, hey, Dana. I don't like this. I wanna drop down again.\n\nI'll go back and do another document, and you'll step down again. It's\n\nChannel 1: Okay.\n\nChannel 0: honestly you don't have to stay there. You don't have to feel like you can never increase your risk if you want to. I'd be wholly against you trying to increase your risk at any point because you are so close to, you know, lowering your work hours. And, realistically, with the ups and downs we've seen this year I mean, you've probably seen on the news Trump's been tweeting and everything with the American, the Iran war. That\n\nChannel 1: Yep.\n\nChannel 0: did make Martha go up and down a little bit.\n\nChannel 1: Yep.\n\nChannel 0: So,\n\nChannel 1: Alright.\n\nChannel 0: you know,\n\nChannel 1: Then\n\nChannel 0: we\n\nChannel 1: yeah.\n\nChannel 0: wanna\n\nChannel 1: So on\n\nChannel 0: try\n\nChannel 1: to\n\nChannel 0: and\n\nChannel 1: sizes.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So we do wanna sorta try to, you know, limit the ups and downs. And even with reducing your risk level, you still have some of those growth assets. You still have shares. So you're never not gonna see the ups and downs.\n\nChannel 1: Yep.\n\nChannel 0: But the idea of reducing your risk level is that you're protecting your capital, and we're reducing the ups and downs that you would feel. So if\n\nChannel 1: Mhmm.\n\nChannel 0: you had, say, 200,000 in your super funds and you're in that balanced or balanced growth environment, the ups and downs are less likely to be drastic than someone who's\n\nChannel 1: Mhmm.\n\nChannel 0: taking on more of a high growth or an aggressive risk profile, and they're a 100% invested in those shares, they're gonna feel that up and down way more drastically than you would in that balance to balance growth portfolio. Does\n\nChannel 1: Yep.\n\nChannel 0: that make sense?\n\nChannel 1: It\n\nChannel 0: Yeah.\n\nChannel 1: does. It does. Yep. Yeah.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: How did you how I will need to go back and update the advice document to reflect. Are you still comfortable with me just going back and updating the portfolio to be more of a balanced growth portfolio\n\nChannel 1: Yes.\n\nChannel 0: so we just\n\nChannel 1: Yes.\n\nChannel 0: step down in smaller increments. Yep.\n\nChannel 1: Yep. I can say. Yes. Definitely.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Would you like me to do that first and then we come back and look at that transition time strategy,\n\nChannel 1: Yep. I\n\nChannel 0: or\n\nChannel 1: think\n\nChannel 0: do you\n\nChannel 1: so.\n\nChannel 0: want me\n\nChannel 1: That'll\n\nChannel 0: to\n\nChannel 1: give me a little bit\n\nChannel 0: Yep.\n\nChannel 1: of time. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Well,\n\nChannel 1: So\n\nChannel 0: what we'll\n\nChannel 1: once you've got that done, then we'll look at the\n\nChannel 0: do\n\nChannel 1: we'll look at the transition into retirement.\n\nChannel 0: yeah. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: So if I just double check your file to see when your annual review is due, because I could work it so it coincides that way. So any review is due around about July. Perfect. So what I'll do is I'll go back now, and I will just read through the investment strategy, moving you into more of a balanced growth environment. We'll come back and do that advice document, and then we can work out when we come back and do that treat TTR strategy, whether we look at it this year or whether we maybe hold it back until January, and we start it next year for you.\n\nDoes that sound comfortable? Give you some time to take on board what's going on\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: It\n\nChannel 0: do\n\nChannel 1: actually\n\nChannel 0: things\n\nChannel 1: does.\n\nChannel 0: slowly.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: It does. Yep.\n\nChannel 0: Beautiful. Excellent. Easy. So what I'll do, if you're okay with it, can I book you in in maybe, I reckon, a week's time just to update this investment portfolio for you? Are you\n\nChannel 1: Yep.\n\nChannel 0: available anytime next week? Is there a day that generally suits you better?\n\nChannel 1: What about I I mean, it doesn't really bother me. But what about Thursday morning or something like that?\n\nChannel 0: Yeah. Absolutely. So next Thursday morning, I am available for majority of the day. Would you prefer maybe nine, 10:00 in the morning? What's suitable for yourself,\n\nChannel 1: Maybe ten?\n\nChannel 0: Sharon? 10:00? Yeah. Absolutely. So I'll put it in there for 10AM, and we will present the updated statement of advice,\n\nChannel 1: Ten.\n\nChannel 0: and we'll do\n\nChannel 1: So\n\nChannel 0: an investment\n\nChannel 1: do you\n\nChannel 0: switch.\n\nChannel 1: you'd send that through an\n\nChannel 0: Yep.\n\nChannel 1: email, don't you?\n\nChannel 0: Oh, well, I yes. Normally, we do. I send it to you via OdoSign so you can open it up and look at it with me, and we'll go through it slower. I\n\nChannel 1: Okay.\n\nChannel 0: can also post it to you. It just may not be there in time. Is\n\nChannel 1: So\n\nChannel 0: that gonna be okay?\n\nChannel 1: no. That's okay. So what do I do with\n\nChannel 0: Yeah.\n\nChannel 1: this statement of advice? Hang on to it for a bit\n\nChannel 0: Just\n\nChannel 1: or what?\n\nChannel 0: pop, yeah, just pop it aside. Just you can throw it out if you don't want it anymore. It's completely up to you. I would\n\nChannel 1: Yep. Sure. I might just hang on to it till I get my new one, actually. Because I like, this help this help with this phone conversation. It helped me a lot, you know,\n\nChannel 0: Yeah.\n\nChannel 1: understand it a bit more.\n\nChannel 0: Absolutely.\n\nChannel 1: So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Not\n\nChannel 1: Yep.\n\nChannel 0: a problem at all. Excellent. Well, I've booked that one in for you for next Thursday morning, which is the August 20 at 10AM. I will have the advice document in the Odoo sign. I'll send it to you.\n\nYou can open it. We can go through it together. I've scheduled that plenty of extra time so we can go through. You can ask me questions. We can talk about what's happening on each of the pages.\n\nAnd then if you like, we can also post you a copy. So I'll get my team to send one out to you in the mail. That way, it comes in the mail, and you've got a hard copy to read. And then\n\nChannel 1: Mhmm.\n\nChannel 0: you can we can come back and answer any additional questions you have. Does that sound okay?\n\nChannel 1: Yeah. That sounds\n\nChannel 0: Yeah?\n\nChannel 1: fine. So that last one that last one that you that you emailed me, what should I delete that one?\n\nChannel 0: Yes. Actually, we will do that for you. So I'll get my team to go into the Odoo sign, and they will void that copy. That way, it disappears out for you. Okay?\n\nChannel 1: Oh, that just disappears out of mine as well,\n\nChannel 0: Yep.\n\nChannel 1: does it?\n\nChannel 0: It'll\n\nChannel 1: Yep.\n\nChannel 0: just, yeah, it'll just expire. The link will be no longer valid. So you can delete it on your end, and we'll void it on our end for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Alright. Now tell me, with this super with this other thing, with this pensioner pensioner account pensioner account with your super, does that affect\n\nChannel 0: Yeah.\n\nChannel 1: the salary sacrificing that I already do with work?\n\nChannel 0: The the pension account, it shouldn't do. So when we work it out, we look at your payslip and work out what your take home pay is, what you already have coming out of your account, and work it around that. So when we get new payslips, we'll look at it. We'll work out what you've got what your pay is, what your take home pay is, how it looks, and try to work it around that for you so it doesn't affect you.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: I just\n\nChannel 0: okay.\n\nChannel 1: there was a question that I have. No. It's a silly question, but\n\nChannel 0: Yeah.\n\nChannel 1: because because I'm already sacrificing salary sacrificing. So I do, like, a normal one, which is 600 and something dollars. And then they do a regional one, which you claim another week's rent on. And,\n\nChannel 0: Yeah.\n\nChannel 1: like, I'm salary sacrificing nearly nearly $1,000 a fortnight, and I only pay, like, a $166 a fortnight's\n\nChannel 0: Wow.\n\nChannel 1: tax.\n\nChannel 0: Wow. See, that's the other thing we'll look at is we'll look at with your pay whether it's even gonna help you or whether it's even gonna work out good for you to do. Because if you're salary sacrificing or if you're salary packaging that much money already, then it may not work out that you can salary sacrifice.\n\nChannel 1: Beneficial.\n\nChannel 0: It may not work out beneficial for you. So we do all that work and all that math for you to work out So we\n\nChannel 1: Yeah.\n\nChannel 0: do all that work and all that math for you to work out whether it works, how it's gonna work, and then we'll come back and let you know yes or no. Hey. It's not gonna work. We're not gonna do it, or, yes, it will work, and this is how it'll work for you and show you the numbers.\n\nChannel 1: Okay.\n\nChannel 0: And, admittedly, everything can change in a few months, so we'll start by just reducing your risk and changing your investment now. We'll go through that slowly, and then\n\nChannel 1: Mhmm.\n\nChannel 0: we can come back in a few months' time, look at how things are tracking for you, and look at what we need to do. And as part of this, I mean, as you'll see in that document there, I do do a bit of a a Money Smart calculation. It's essentially a a retirement projected income calculation based on what we're projecting you should have and how much income you should be able to draw to give you longevity or what your income looks like. I'll redo that calculation, and I'll show you that we'll go through that together. Okay?\n\nIt's\n\nChannel 1: Okay.\n\nChannel 0: just sort of projecting forward based on the advice what we expect in retirement, how long income should be expected to last, or how long your super should be expected to last. I'll have you look at age pension as well well well whether you're eligible for age pension based on current assets and liabilities and things like that, and then we can go back and update everything.\n\nChannel 1: So you can look into all that with because I think I will be. Because I think basically, my\n\nChannel 0: Yeah.\n\nChannel 1: Supra is about the only investment that I've got. It's my only things that I've got. And all that like, it because that's that's all I've really got plus my car. It's not that's not worth a big amount of money anymore. So yeah.\n\nChannel 0: Yeah. No. That's okay. Well, let's also while we're here, because it's been a while since we've gone through and updated your circumstances, let's\n\nChannel 1: Yep.\n\nChannel 0: just go through and update all your\n\nChannel 1: Yes.\n\nChannel 0: assets, liabilities, and goals and things just so we can kind of update the advice reflect because it has been a while since we updated these.\n\nChannel 1: Yep.\n\nChannel 0: Just sort of tracking now, we were talking about being able to access super and do, you know, drop days at about age 65, but you're still wanting to fully retire around age 67. Is that still correct, or\n\nChannel 1: Well,\n\nChannel 0: what's your\n\nChannel 1: I\n\nChannel 0: actual\n\nChannel 1: have to\n\nChannel 0: retirement\n\nChannel 1: see where I'm at\n\nChannel 0: age\n\nChannel 1: at\n\nChannel 0: now?\n\nChannel 1: that age. I'll have to see, like maybe I might be able to work one or two days. I I'm just\n\nChannel 0: Yep.\n\nChannel 1: not a 100% sure on that yet, really. So\n\nChannel 0: That's okay.\n\nChannel 1: yeah.\n\nChannel 0: Did did you want me to work on 67 as a goal age for now knowing we can always change that down the track?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Sounds good.\n\nChannel 0: Excellent. I've got down here that you were originally hoping to draw about $1,100 per week from both super and the age pension to survive\n\nChannel 1: Mhmm.\n\nChannel 0: from\n\nChannel 1: Yep.\n\nChannel 0: age 67. Does that feel still appropriate?\n\nChannel 1: Yeah. Oh, well, I think so. I mean, things are gonna go up a bit more till then, but\n\nChannel 0: Yep.\n\nChannel 1: I guess so. Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Yep.\n\nChannel 0: It's all sort of based on today's dollars because we don't know how much it's gonna be worth in the\n\nChannel 1: Yeah.\n\nChannel 0: future.\n\nChannel 1: How much is gonna be\n\nChannel 0: But,\n\nChannel 1: different? Yeah.\n\nChannel 0: yeah, but what I sort of look at doing now is I base the research around your goals. So looking forward to 65, 57, what does this look like for you at that age?\n\nChannel 1: Yep.\n\nChannel 0: When you get to that age, we'll reconfirm what your expenditure is. And when you go into pension phase, we'll work out what you sorry, what you actually need to live on, how you draw that down, and then provide advice through pension phase on that aspect.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Okay. Alright. Okay.\n\nChannel 0: Excellent.\n\nChannel 1: Sounds great.\n\nChannel 0: I've also got in here now you did retain a bit of life cover. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: Just retained just having a quick look for you at what I've got in here. Sorry. I've got the hiccups. I do apologize. So with your life cover, you've got your MLC life cover, which\n\nChannel 1: Yep.\n\nChannel 0: had a sum insured of about 118,850. And you were happy to retain that for a little bit longer. Do you still want to retain that for\n\nChannel 1: When you say retain it, what do you mean? Like\n\nChannel 0: longer? Just keep it. Don't you know, keep it for longer.\n\nChannel 1: Well,\n\nChannel 0: Keep\n\nChannel 1: I'm just\n\nChannel 0: paying for it out of your super.\n\nChannel 1: I think still keep paying for it at this point in time,\n\nChannel 0: Yep. That's absolutely fine. It's not a problem at all. I'll keep\n\nChannel 1: I\n\nChannel 0: asking that question every year so you can let me know how you feel about it. When and if\n\nChannel 1: think.\n\nChannel 0: you do so, do\n\nChannel 1: Like,\n\nChannel 0: you no\n\nChannel 1: do\n\nChannel 0: longer\n\nChannel 1: people\n\nChannel 0: want\n\nChannel 1: usually\n\nChannel 0: it anymore?\n\nChannel 1: let it go? Do they let it go? Or I don't know.\n\nChannel 0: Some people some people do. Most of the time, realistically, what we wanna keep insurances for is for if we pass away or something happens to us whilst we have debts, that the insurance provides that level of cover. So most people will have life cover so that if they pass away, their mortgage can be fully paid off, their cars credit cards and things can be fully paid off, and then the benefit gets paid to their beneficiaries,\n\nChannel 1: Mhmm.\n\nChannel 0: whoever that might be. Generally speaking, when we get to sort of age 60 and beyond, if we have enough super and it covers our debts, we tend to not need to have life insurance any longer because if we pass away, our super is paid out. In\n\nChannel 1: Yeah.\n\nChannel 0: saying\n\nChannel 1: Right.\n\nChannel 0: that,\n\nChannel 1: Yes.\n\nChannel 0: it is a personal decision. So, realistically, you're only paying about 660. The amount coming out of super dispute is $561.08. So\n\nChannel 1: Yes.\n\nChannel 0: you only paid\n\nChannel 1: It's\n\nChannel 0: about\n\nChannel 1: not here\n\nChannel 0: 500\n\nChannel 1: or there,\n\nChannel 0: dollars\n\nChannel 1: is it?\n\nChannel 0: correct to have that a $118,000 worth of cover. And it means that if you were to pass away based on your super balance, so we'll say $1.45 $2.03 9 plus 118,050, between your life cover and your super balance, your beneficiary could receive 264,089. So that's not a\n\nChannel 1: Yes.\n\nChannel 0: bad benefit to pay.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: I've also got in place I've got to follow that through this week too. My will's in the process of being done. So I had to do\n\nChannel 0: Oh,\n\nChannel 1: that to cover I had to have that in place\n\nChannel 0: yes.\n\nChannel 1: for some reason. So\n\nChannel 0: Will\n\nChannel 1: the\n\nChannel 0: is a\n\nChannel 1: so\n\nChannel 0: good\n\nChannel 1: they\n\nChannel 0: thing.\n\nChannel 1: didn't have to pay a huge amount on if it happened to me on\n\nChannel 0: Tax.\n\nChannel 1: my fifth of the tax.\n\nChannel 0: Yep. Yep. So\n\nChannel 1: So that's\n\nChannel 0: I'm just going\n\nChannel 1: that's in the\n\nChannel 0: back\n\nChannel 1: process\n\nChannel 0: to that\n\nChannel 1: of being done at\n\nChannel 0: section.\n\nChannel 1: the moment. So yeah.\n\nChannel 0: Fantastic. So with your goal for your beneficiaries sorry. I'm just looking at what we had noted here. Estate planning. Your goal was that in the event you were passing away, you wanted to have your super and life insurance directed to your will so it could be distributed to your adult children.\n\nYes.\n\nChannel 1: Mhmm.\n\nChannel 0: So the\n\nChannel 1: Yep.\n\nChannel 0: biggest thing to sort of think about is with adult children, there's a lot of legislation around how death benefits are to be paid. If you're super and your life insurance is paid to a spouse or a child 18 or a dependent child, someone who relies on you financially, they can receive the funds completely tax free. If it's being paid to an adult child who is not a financial dependent on yourself, the super benefit and the life insurance process, if they're paid directly, they pay 17% tax on that money. So\n\nChannel 1: That's\n\nChannel 0: it means\n\nChannel 1: why I\n\nChannel 0: that\n\nChannel 1: had\n\nChannel 0: once\n\nChannel 1: to get that's why I\n\nChannel 0: yeah.\n\nChannel 1: had to get a willing place.\n\nChannel 0: That's right. Yeah. So in the advice document, we recommended that on your life insurance and your super with the beneficiary, we tick the legal personal representative. And that\n\nChannel 1: Yes.\n\nChannel 0: means that in the event that something happened to you, if you were to pass away, the the super and the life insurance money would go to your estate. You just need\n\nChannel 1: Yes.\n\nChannel 0: to have your will done up so it receives that money and then have it distributed to your adult children however you see fit.\n\nChannel 1: That's right.\n\nChannel 0: The kids\n\nChannel 1: Yeah.\n\nChannel 0: do\n\nChannel 1: That's right.\n\nChannel 0: still pay tax on the money, but it reduces the amount of tax that they're\n\nChannel 1: Tax.\n\nChannel 0: expected to pay. So it means that they receive more of the benefit. Does that\n\nChannel 1: Yes.\n\nChannel 0: make sense?\n\nChannel 1: That's yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And I I will it's something that I've been wanting to get in place for a few years,\n\nChannel 0: Yeah.\n\nChannel 1: but I just haven't done it.\n\nChannel 0: Yeah.\n\nChannel 1: But it's in the process\n\nChannel 0: That's\n\nChannel 1: of being done at the moment. So\n\nChannel 0: fantastic. So I'll update that for you. So being updated now. Excellent. And are you having a power of attorney set up as part of the will?\n\nChannel 1: I have got a power of attorney. Yep.\n\nChannel 0: Have got one. Fantastic.\n\nChannel 1: And\n\nChannel 0: Is\n\nChannel 1: an\n\nChannel 0: it enduring power of\n\nChannel 1: executor an executor of my will.\n\nChannel 0: attorney?\n\nChannel 1: So I've\n\nChannel 0: Oh,\n\nChannel 1: got an\n\nChannel 0: fantastic.\n\nChannel 1: executor. Yep.\n\nChannel 0: You've done it all.\n\nChannel 1: Just about it's just all gonna be written up and put in place. I just gotta get back to my my knee my niece is a lawyer, so I've gotta get back to her and\n\nChannel 0: Yep.\n\nChannel 1: get her to finish it off.\n\nChannel 0: That\n\nChannel 1: So\n\nChannel 0: is really good. That's fantastic. No. That works\n\nChannel 1: Yep.\n\nChannel 0: out really, really well. Excellent. I had down here that you were paying rent of about $285 per week. Has your rent increased\n\nChannel 1: I'm\n\nChannel 0: recently,\n\nChannel 1: now paying\n\nChannel 0: or\n\nChannel 1: 3\n\nChannel 0: is\n\nChannel 1: 100.\n\nChannel 0: it the same? Okay. Beautiful. 300 per week. Thank you for updating that.\n\nI had your car down as an asset. I had it down as a Toyota Corolla, and I worked out the asset via Redbooks would be about 13,800 based on the year and the model.\n\nChannel 1: Yep.\n\nChannel 0: Do you I personally think that should still be fairly okay. These sorts of vehicles do hold their value pretty well. Are you happy to retain that same value, or did you\n\nChannel 1: Mhmm.\n\nChannel 0: want me\n\nChannel 1: Yep.\n\nChannel 0: to maybe lower it a little bit?\n\nChannel 1: No. I think leave\n\nChannel 0: No.\n\nChannel 1: it at that, I think.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: okay. I also have that you had some savings here about 40,000, which was due to be used for a trip to Canada. Do you still have those savings or some savings?\n\nChannel 1: I've still got some savings in there. I think I've got,\n\nChannel 0: Yeah.\n\nChannel 1: I don't know, 34. I think\n\nChannel 0: 30\n\nChannel 1: I'm probably\n\nChannel 0: 4,000.\n\nChannel 1: about 34, and I've got a I'm in the process of changing bank. I I've opened up a new bank account, which is gonna earn me more interest. So\n\nChannel 0: Okay.\n\nChannel 1: I've gotta\n\nChannel 0: Perfect.\n\nChannel 1: pull that that 34,000 will eventually transfer into this new account, but I've also gotta transfer at some over my everyday account to that account as well. So, yeah, prob I'd say I'd probably put 50,000.\n\nChannel 0: Yep. Beautiful. And what's the interest rate on that new account when you have it?\n\nChannel 1: That's a very good question.\n\nChannel 0: Sorry.\n\nChannel 1: I I have to look it up.\n\nChannel 0: That's okay. Do you know what bank it is? Or\n\nChannel 1: Bank of Queensland.\n\nChannel 0: let me just have a quick look and see if I can pull it up for you. Bank of And what sort of account is\n\nChannel 1: What was it called? A smart I think it's a SmartSaver account.\n\nChannel 0: it? Smart saver interest rate. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I think it's Queensland. I've got Smart saver account up to\n\nChannel 1: Smart\n\nChannel 0: five\n\nChannel 1: saver.\n\nChannel 0: point\n\nChannel 1: That\n\nChannel 0: four\n\nChannel 1: might\n\nChannel 0: zero\n\nChannel 1: be what it\n\nChannel 0: percent.\n\nChannel 1: is, a Smart saver. Yep.\n\nChannel 0: Cool. Is the interest rate around 5.40% per annum? Does that ring a bell?\n\nChannel 1: Per annum. Possibly. But you get paid your interest monthly on this. Like, in this old account,\n\nChannel 0: Yes.\n\nChannel 1: it's a really old account that I had this money in, and it, like, it was only earning me, like, I don't know, something ridiculous, like a dollar 34 a month or something. But this new account is going to earn me a $130 a month,\n\nChannel 0: Yeah. Okay. So is\n\nChannel 1: which\n\nChannel 0: that\n\nChannel 1: is\n\nChannel 0: based\n\nChannel 1: pretty\n\nChannel 0: on\n\nChannel 1: good.\n\nChannel 0: the 50,000?\n\nChannel 1: Sorry?\n\nChannel 0: Is that based on the 30,000 50,000? Sorry?\n\nChannel 1: It will be. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: That's okay. Because I can just sort of work out if it's the right interest rate. So 5.40.\n\nChannel 1: I oh, hang\n\nChannel 0: 100\n\nChannel 1: on. Not\n\nChannel 0: by\n\nChannel 1: no. It\n\nChannel 0: 50\n\nChannel 1: won't work\n\nChannel 0: thousand.\n\nChannel 1: out 50,000. It'll work out on 40,000. Put 40,000 down\n\nChannel 0: 40\n\nChannel 1: for that\n\nChannel 0: thousand.\n\nChannel 1: because by the time I transfer some out of my everyday account to that account, it'll be around 40,000 in that account.\n\nChannel 0: Okay. Divide that by twelve months. Uh-huh. Did you say the interest is about a $180 a month?\n\nChannel 1: No. They said about a 130 on a\n\nChannel 0: Okay. So it might worth to add on a little bit less. So because 5\n\nChannel 1: month.\n\nChannel 0: point four zero you're at sorry.\n\nChannel 1: No. You don't.\n\nChannel 0: So 5.40% per annum, so per year on 40,000, over twelve months gives you 2,160. Divide that by twelve months means you get a $180 per month interest on 40,000.\n\nChannel 1: 180 a month.\n\nChannel 0: Yep.\n\nChannel 1: That possibly could be right because she only worked that out on the money that I actually had in there.\n\nChannel 0: That\n\nChannel 1: So\n\nChannel 0: makes\n\nChannel 1: by the\n\nChannel 0: sense.\n\nChannel 1: time\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: put\n\nChannel 0: have about\n\nChannel 1: up to\n\nChannel 0: 30\n\nChannel 1: yeah.\n\nChannel 0: four.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: That's pretty good, though. Right?\n\nChannel 0: Yeah. Oh, yeah. Definitely. So if I work it on the 34,000 for you, $153 even. So,\n\nChannel 1: Yeah. It\n\nChannel 0: yeah,\n\nChannel 1: was\n\nChannel 0: it's\n\nChannel 1: something\n\nChannel 0: still\n\nChannel 1: to that\n\nChannel 0: a very\n\nChannel 1: effect.\n\nChannel 0: good interest\n\nChannel 1: Yeah.\n\nChannel 0: rate.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've gotta\n\nChannel 0: Beautiful.\n\nChannel 1: I look I should just get in and do it because I'm wasting money. But, anyway, I gotta do it.\n\nChannel 0: Absolutely. So pop that in there. Fantastic. I've\n\nChannel 1: Maybe\n\nChannel 0: also\n\nChannel 1: that money, like, if I\n\nChannel 0: yeah.\n\nChannel 1: didn't need to use it, that money, I could transfer that straight over to my super. That takes\n\nChannel 0: You\n\nChannel 1: amount a\n\nChannel 0: could\n\nChannel 1: month.\n\nChannel 0: do. You could do. I would just wanna make sure that you're not planning to use that yet. So because, realistically, you are still working. If you have, you know, holidays or large bills or something coming up where you might wanna use those funds.\n\nBut if you wanted to, we can hold off for now. And then just down the track, we can talk more about what your goals are with that money, whether you do wanna look at adding your industry. But does that sound\n\nChannel 1: Yeah. That does. Yep.\n\nChannel 0: okay?\n\nChannel 1: It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Don't wanna say yes. Let's do it right now and have you go, oh my god. I put that money into super, and, oh my god. I need it back a little bit because we kinda can't draw it back out unless\n\nChannel 1: Yeah.\n\nChannel 0: we meet\n\nChannel 1: Right.\n\nChannel 0: that condition of release or open up the TTR account. It's a little bit more of a process to do that. So\n\nChannel 1: Yep.\n\nChannel 0: if\n\nChannel 1: Yep.\n\nChannel 0: we just do it in smaller increments, we do the investments now, then we can come back and talk about your savings and the TTR side of things, and we\n\nChannel 1: Okay.\n\nChannel 0: can kind of move forward in slower, steady paces to make it a bit easier on yourself. Does that work out okay?\n\nChannel 1: Yes. It does. It\n\nChannel 0: Yeah.\n\nChannel 1: does.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: I don't wanna do too much at once and kind of\n\nChannel 1: Mhmm.\n\nChannel 0: make it overwhelming for you. Starting\n\nChannel 1: Yep.\n\nChannel 0: small is there's nothing wrong with that. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Excellent. And then I've also got you have an investment account, a Premier Investment account, I believe.\n\nChannel 1: That's\n\nChannel 0: It\n\nChannel 1: right.\n\nChannel 0: was\n\nChannel 1: I forgot\n\nChannel 0: from.\n\nChannel 1: about that account. I think I think I've got about\n\nChannel 0: Yeah.\n\nChannel 1: 7,000 in that now. I think it's gone up\n\nChannel 0: Okay.\n\nChannel 1: too.\n\nChannel 0: Beautiful.\n\nChannel 1: I've got that\n\nChannel 0: I'll\n\nChannel 1: in\n\nChannel 0: update\n\nChannel 1: there for my\n\nChannel 0: that\n\nChannel 1: grandchildren.\n\nChannel 0: for you. Lovely. Lovely. And there are just so you are aware, there are other ways that you can invest for grandkids. We do have access to, like, investment accounts, investment bonds, and things where you can have the money invested for for them for the future where when that gets handed to them, they get the money tax free.\n\nSo\n\nChannel 1: Oh, do they?\n\nChannel 0: there are, yeah, so there are other ways that we can invest the funds for your grandkids down the track if you're wanting to add more money to it or if you're wanting to invest for them. So there's\n\nChannel 1: So if I\n\nChannel 0: other\n\nChannel 1: wanted\n\nChannel 0: other\n\nChannel 1: to take\n\nChannel 0: things\n\nChannel 1: it out\n\nChannel 0: that\n\nChannel 1: of\n\nChannel 0: we\n\nChannel 1: this\n\nChannel 0: can do.\n\nChannel 1: investment account and use work on something for me, do you mean? Is that what you\n\nChannel 0: Yes.\n\nChannel 1: mean?\n\nChannel 0: Yeah. Yeah. Absolutely. If you had, say, that 7,000 sitting there and how grandkids do you have at the moment?\n\nChannel 1: I have seven, but my baby girl, my\n\nChannel 0: Wow.\n\nChannel 1: daughter, youngest daughter, is actually having twins in December.\n\nChannel 0: Wow. That's incredible.\n\nChannel 1: I know. I know.\n\nChannel 0: That's exciting.\n\nChannel 1: Oh, it's so exciting. It's we're all so\n\nChannel 0: Oh,\n\nChannel 1: excited. It's amazing.\n\nChannel 0: absolutely.\n\nChannel 1: And she's so beautiful about it. Like, when she told me she it was only for a week ago. She said, you know, mom, some people be cursing having twins. She said, but you know what? I am so excited.\n\nShe said, I\n\nChannel 0: Yeah.\n\nChannel 1: just can't wait to be a mother of twins.\n\nChannel 0: Yeah.\n\nChannel 1: And it's\n\nChannel 0: Oh,\n\nChannel 1: so\n\nChannel 0: that's\n\nChannel 1: beautiful.\n\nChannel 0: so\n\nChannel 1: It's\n\nChannel 0: beautiful.\n\nChannel 1: really lovely. Yeah.\n\nChannel 0: Yeah. Oh, that's lovely. I'm very excited. Congratulations. It's very\n\nChannel 1: Thank\n\nChannel 0: exciting.\n\nChannel 1: you. Thank you.\n\nChannel 0: But, yeah, look, down the track, if you decided to and wanted to you would it would be something that we would need to put more money into, so smaller amounts over time for, you know, compounding.\n\nChannel 1: Yep.\n\nChannel 0: But you can invest in different investment accounts and bonds for for kids to be passed down to grandchildren later in life, you know, ten, fifteen, twenty years down the track.\n\nChannel 1: Yep.\n\nChannel 0: And it does give them an advantage to have that money invested\n\nChannel 1: Mhmm.\n\nChannel 0: and growing for them to receive later on down the track as an inheritance or, you know, at a certain age that you deem fit for them to receive the funds? Pardon\n\nChannel 1: Yeah.\n\nChannel 0: me.\n\nChannel 1: Right. Because I ideally, it's not a lot yet. But, I mean, I think by the time anything happens to me, well, it it'll be up a little bit more, but yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But it's just something I put aside from. Yeah. So\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: That's not a problem. But look down the track. If there's other goals that you have that you want us to look at as advisers, we can definitely help you in that area as well. Okay?\n\nChannel 1: Okay. Sounds great. Yep.\n\nChannel 0: Beautiful. The only other thing to sort of look at is your income. Have you done your tax return for this last\n\nChannel 1: I've\n\nChannel 0: financial\n\nChannel 1: got it. I've\n\nChannel 0: year\n\nChannel 1: got to\n\nChannel 0: at\n\nChannel 1: get\n\nChannel 0: all?\n\nChannel 1: I was gonna do that. It's in the making.\n\nChannel 0: That's\n\nChannel 1: I've\n\nChannel 0: okay.\n\nChannel 1: partly done it. But\n\nChannel 0: That's okay. I have your income noted. We obviously went on your past income from your last pay slips last time, and income noted there\n\nChannel 1: yeah.\n\nChannel 0: was about 65,115. Do you think your income may have gone up since\n\nChannel 1: Possibly\n\nChannel 0: then? Because\n\nChannel 1: could've\n\nChannel 0: you said you're\n\nChannel 1: a little,\n\nChannel 0: gonna pay\n\nChannel 1: but\n\nChannel 0: rise?\n\nChannel 1: but nothing extravagant, I don't think.\n\nChannel 0: Yep. No. That's okay. That's not a problem at all. I'll just keep it at that for the moment, and we can reassess that in greater detail when we do that TTR strategy down the track for you.\n\nThat's okay.\n\nChannel 1: Mhmm.\n\nChannel 0: And savings wise, are you managing out of your income to put much in the way of savings aside, or is all of your incomes going to all of your income kinda going towards your expenses? How are you sort of finding things at\n\nChannel 1: Well,\n\nChannel 0: the moment?\n\nChannel 1: my I I probably got I don't know. This is just just my little way of doing my all my pay goes into one account, and I draw a little bit out of pocket money out of it. What's what's left over in out of my income out of that that just stayed in this account? So I probably\n\nChannel 0: Yep.\n\nChannel 1: am saving, but it's just not like I transfer a $100 a week or something over to another savings account. It's just what's left over just stays in this account in this everyday\n\nChannel 0: Okay.\n\nChannel 1: account.\n\nChannel 0: So there's sort of no no set figure that you're finding that you're able to put away? Is this whatever you've got left over at the end of the week depending on the bills?\n\nChannel 1: Yeah. It just stays in that account. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. That's okay. So I'll just write here all of income goes to expenses and anything left over depending on the week that stays in the account for use later\n\nChannel 1: Mhmm.\n\nChannel 0: on. Does that sound okay? Yep.\n\nChannel 1: Yep. Yep. It does. Yep. Yep.\n\nChannel 0: Beautiful. Beautiful. Excellent. Employer contributions, I've got that here based on income for you, and I can double check that with your Netwealth Superfund. That's absolutely okay.\n\nThe salary sacrifice. Now your salary salary packaging sorry, onto the card, and you said your salary packaging over overall about a thousand dollars a week. Is that\n\nChannel 1: It's\n\nChannel 0: right?\n\nChannel 1: just a it's just a little bit under. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: But I don't know whether they actually keep I don't know. I must find out whether this regional benefit thing is, like, a permanent thing or is only for I don't know. I have to find out whether it was, like,\n\nChannel 0: What's\n\nChannel 1: just\n\nChannel 0: it\n\nChannel 1: a twelve\n\nChannel 0: called?\n\nChannel 1: month thing.\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: don't know.\n\nChannel 0: a look for you. Regional benefits. Let's have a look and see what we can find. Did they tell you that it was due to being in a regional area?\n\nChannel 1: Yep. That's what it is.\n\nChannel 0: And\n\nChannel 1: Yes.\n\nChannel 0: what's the name of the the salary packaging company that you do it through?\n\nChannel 1: Easyway.\n\nChannel 0: Easy Way. Easy salary packaging. Sorry. I'm just having a quick look at the site to see what the options are. It doesn't really say anything specific about it.\n\nChannel 1: Because it's\n\nChannel 0: It's\n\nChannel 1: incredibly\n\nChannel 0: got to do\n\nChannel 1: a\n\nChannel 0: with\n\nChannel 1: math\n\nChannel 0: the a\n\nChannel 1: that you can it's\n\nChannel 0: yeah.\n\nChannel 1: incredibly\n\nChannel 0: It's got\n\nChannel 1: amount\n\nChannel 0: to do with\n\nChannel 1: that you\n\nChannel 0: the a\n\nChannel 1: can salary\n\nChannel 0: c\n\nChannel 1: sacrifice.\n\nChannel 0: oh,\n\nChannel 1: I couldn't believe\n\nChannel 0: absolutely.\n\nChannel 1: it.\n\nChannel 0: Yeah. It's got to do with the ATO definition of a remote area. So a regional or remote area salary sacrifice arrangement lets you pay for housing utility costs using pretax income. You must live and work in an ATO defined remote area, and your employer must offer the salary packaging. 50\n\nChannel 1: Yes.\n\nChannel 0: percent of eligible costs are exempt for the discounts from caps lowering your taxable income. So it's got to do with the ATO definitions of where a regional area is located, but you obviously come into that kind of\n\nChannel 1: Yes. Have\n\nChannel 0: area.\n\nChannel 1: a green.\n\nChannel 0: So when\n\nChannel 1: Yes.\n\nChannel 0: yeah. Correct. In the category. Yeah. So what I would probably look to do with your TTR strategy is look at what your your total income is, and then we break down what you've got coming out of that.\n\nSo your salary packaging arrangements are deducted from that. So for your rent and then the salary packaging arrangement onto the card is then deducted from that, and that tells us how much your take your taxable income is or how much income you pay tax on. And\n\nChannel 1: Yes.\n\nChannel 0: if you're looking unless you're looking at that page again with that TCR strategy there, if you're looking at page number 30. Sorry. If I go back to the salary sacrifice page, that's page number 27.\n\nChannel 1: 27.\n\nChannel 0: Yes. So if you're looking at that page with your two positions, you've got your current. So what we wanna do with looking at your salary packaging is look at your we'll work at your total taxable income, which we had noted as $65,001.01 5. Then we subtract from that your salary packaging. And then also from that again, subtract what your salary packaging onto your card, so your rent plus your card.\n\nAnd then anything after that is what your employer pays tax on. So that becomes your\n\nChannel 1: Yes.\n\nChannel 0: take home pay from that amount is, and then we work out how much you can put in the super as a salary sacrifice arrangement to increase your contributions and then how much we draw out to keep your take home pay what it is currently. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: So your take home pay, we would be working out is not your total with your salary packaging onto that card. It's the essentially, the total that you get paid from your employer after the taxes the income tax comes out. Does that make sense there for you?\n\nChannel 1: It does yeah. This is talking about that\n\nChannel 0: Yeah.\n\nChannel 1: pension account.\n\nChannel 0: It is. Yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So that's\n\nChannel 1: Okay.\n\nChannel 0: how we would work out your salary sacrifice and your in and the pension drawdown, that transition pension drawdown\n\nChannel 1: Yes.\n\nChannel 0: around your salary packaging arrangement, essentially. Does that make sense?\n\nChannel 1: Yes. Yeah. It does. It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: There's a lot to it, and I'm very sorry. I hope this has clarified things. Is there\n\nChannel 1: It\n\nChannel 0: more\n\nChannel 1: it\n\nChannel 0: questions\n\nChannel 1: has it\n\nChannel 0: that have\n\nChannel 1: has\n\nChannel 0: come out\n\nChannel 1: a lot\n\nChannel 0: of it?\n\nChannel 1: more. Yes.\n\nChannel 0: You're allowed to ask any other questions you have. Is there anything else that's kinda come up that's, you know, might be concerned or you just need a It'll come down\n\nChannel 1: I don't think so. But you're you're, like, you're still not a 100\n\nChannel 0: to\n\nChannel 1: percent sure whether\n\nChannel 0: the\n\nChannel 1: you\n\nChannel 0: rate\n\nChannel 1: can do that\n\nChannel 0: it\n\nChannel 1: transition\n\nChannel 0: It'll\n\nChannel 1: to retirement.\n\nChannel 0: come down to the rate it'll come down to the research, but let's\n\nChannel 1: Yes.\n\nChannel 0: start small. Let's do the reduction of risk, and we'll do the investment switching first.\n\nChannel 1: Yes.\n\nChannel 0: And then we'll come back later and do that transition to retirement strategy and look at what we can do there and how that works based on your income at the time. Does that sound okay?\n\nChannel 1: Yeah. That's right. So\n\nChannel 0: Yep.\n\nChannel 1: so even if I did want to drop like, without doing that transition to\n\nChannel 0: Yeah.\n\nChannel 1: retirement,\n\nChannel 0: Yeah.\n\nChannel 1: if I wanted to drop a day at 65, that's how can I still do that? How does it work with your super?\n\nChannel 0: Yeah. Yeah. Absolutely. So just to clarify, at 65 dropping a day, is that saying that we've started that transition account, or is that just in general if you, you know, wanted to drop\n\nChannel 1: In\n\nChannel 0: a\n\nChannel 1: in\n\nChannel 0: day? Is this\n\nChannel 1: in like, I would like\n\nChannel 0: Yeah.\n\nChannel 1: to think that that transition account would be in place, but if just say\n\nChannel 0: Yeah.\n\nChannel 1: for some reason we can't do that, then\n\nChannel 0: Yep.\n\nChannel 1: so how does that work? How does am I still is there a way that means that you can do that?\n\nChannel 0: Oh, absolutely. So what we'll do to start with is, again, we'll look at your payslip. I like to get a payslip because it does kinda give me clarification on how much you're earning. We'll look at what your your hourly rate is. So we'll work out how many hours that is gonna be for you.\n\nWe'll work at your hourly rate versus the amount of hours you're going to work. If you're still salary packaging, we'll try to deduct that out, and we still wanna look at your taxable income. So we wanna know what your your taxable income is that your your employer is paying tax on. We then work\n\nChannel 1: Right.\n\nChannel 0: out so we just wanna basically work out what that is with your full your current hours. If it's full time hours, thirty eight hours a week, I think you're doing sixty four hours per fortnight. Is that still fairly\n\nChannel 1: Yeah.\n\nChannel 0: accurate?\n\nChannel 1: That's right. That's right.\n\nChannel 0: Yeah. So we'd essentially look at your hourly rate versus sixty four hours per fortnight. And then if you were to drop one day per week and say that went to sixty, say, sixty, fifty eight hours per fortnight, give or take, we would then do the same math and work out your hourly rate versus, say, fifty eight hours per fortnight and work out the difference. The difference\n\nChannel 1: Right.\n\nChannel 0: between those two is what you need to draw down to keep your take home pay the same. So we're basically looking at what you earn prior to the change, what you earn after the change, and what the difference is, and keeping\n\nChannel 1: Yes.\n\nChannel 0: your take home pay level the exact same. And, again, we can do the pension account so that the money comes out of your super fund. The day that your income is supposed to be paid from your employer or a day around it, if you get paid fortnightly and you just wanted to supplement it, I've got some clients who receive their income payments on the week where they don't receive anything from their employer. That way, they have money coming in every week. It's a\n\nChannel 1: Yes.\n\nChannel 0: different amount every week, but there's money coming in every week to sustain them a little bit.\n\nChannel 1: Yeah. Right. Okay. Yep.\n\nChannel 0: Yeah. There's lots of different things that we can do, lots of different options that we can help you with. It's just about breaking it down so that you understand what we're doing, how we're doing it,\n\nChannel 1: Okay. Yes.\n\nChannel 0: and just slowing the process down a little bit for you so you can\n\nChannel 1: Yes.\n\nChannel 0: sort of\n\nChannel 1: Sure.\n\nChannel 0: feel a bit more comfortable each step of the way. Yeah.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Oh,\n\nChannel 1: Sounds\n\nChannel 0: good.\n\nChannel 1: great. Oh, this conversation is so much better than I've I'm following it a lot more this time.\n\nChannel 0: I'm really glad that's helping you a lot. You're always welcome to ask questions, and I definitely, Sharon, do encourage asking questions. I think it's really great because it sort of helps to clarify and understand things. I mean, it's sort of I try to break it down as much as possible, but it's always sort of hard to understand how the other person on the other end of things is taking it. So please feel free to ask questions as often as you need.\n\nI can clarify things as as regularly as you need me to just to make sure that you're understanding what we're doing and how we're doing it, why we're doing it, and how it affects you.\n\nChannel 1: Yep.\n\nChannel 0: Because at the end of the day, this is your money,\n\nChannel 1: Yep.\n\nChannel 0: your retirement. It's part of your income. We\n\nChannel 1: Yep.\n\nChannel 0: wanna make\n\nChannel 1: Great.\n\nChannel 0: sure we\n\nChannel 1: So tell\n\nChannel 0: do\n\nChannel 1: me, if\n\nChannel 0: the\n\nChannel 1: you're looking\n\nChannel 0: right\n\nChannel 1: for another\n\nChannel 0: thing\n\nChannel 1: help,\n\nChannel 0: by\n\nChannel 1: like, another\n\nChannel 0: you\n\nChannel 1: super\n\nChannel 0: and\n\nChannel 1: fund,\n\nChannel 0: look\n\nChannel 1: Head\n\nChannel 0: after\n\nChannel 1: Start\n\nChannel 0: it.\n\nChannel 1: and\n\nChannel 0: Okay.\n\nChannel 1: stuff like\n\nChannel 0: All\n\nChannel 1: that, they\n\nChannel 0: good.\n\nChannel 1: don't move your money and do this all this kind of stuff around, do they?\n\nChannel 0: They not no. Not no not in the same way we do. So,\n\nChannel 1: No.\n\nChannel 0: essentially, if with an industry fund that they're just a vehicle, the biggest thing to think about a super fund is it's a vehicle. So think of it like your car. You put your you get into your car, but without fuel, you don't go anywhere. Your\n\nChannel 1: Yes.\n\nChannel 0: investments are your fuel. You're putting the invest the super fund is just a vehicle. So whether it's hub twenty four, Hestar, whether it's host class or Netwealth, for example, they're just a vehicle. What really makes your money worth is the underlying investments. With the\n\nChannel 1: Yes.\n\nChannel 0: industry funds, you do have very limited investments. They tend to just find a an average portfolio that suits the the average time horizon that you have, and they'll throw your money into that. And what happens happens.\n\nChannel 1: Yeah. Right.\n\nChannel 0: They have, like, a certain stage where they might move you into something more conservative, or if you're younger, they might have you a bit more risky. Whereas with advice, we have a lot more scrutiny around what\n\nChannel 1: Yep.\n\nChannel 0: we do, so\n\nChannel 1: You've\n\nChannel 0: we have\n\nChannel 1: got\n\nChannel 0: to do\n\nChannel 1: you've\n\nChannel 0: risk\n\nChannel 1: got\n\nChannel 0: profiling.\n\nChannel 1: other options and stuff that you can do.\n\nChannel 0: Correct. Netwealth has\n\nChannel 1: Yep.\n\nChannel 0: a lot more investment options to choose from, so we can make alterations to your portfolio. We have a lot more it's more of a sophisticated platform, investor platform, and you wanna have an adviser who looks after these sorts of things because we do need to change your risk profile more regularly. I mean, with an industry fund with where you are currently, like I'm telling you, we should be reducing your risk level because you are closer to retirement. In an industry fund, you would just sit there until they tell you that, you know,\n\nChannel 1: Yes.\n\nChannel 0: it might be time to change things or move into more cash or something because you're\n\nChannel 1: Yes.\n\nChannel 0: a year out. Whereas we're looking at this in advance and trying to sort of help you to reduce gradually, make changes so that things are working harder for you. We're reviewing your portfolio, your performance. We're helping you with the TTR strategy. If you go to them, they'll say, well, you can only do 10%, and you'll have to do all the math to work out how much you move, where you're invested, what you're doing.\n\nSo with an industry\n\nChannel 1: Whereas with\n\nChannel 0: fund,\n\nChannel 1: you\n\nChannel 0: it's\n\nChannel 1: guys,\n\nChannel 0: a lot\n\nChannel 1: he's\n\nChannel 0: more\n\nChannel 1: doing\n\nChannel 0: on you.\n\nChannel 1: all he did all the homework and\n\nChannel 0: Correct.\n\nChannel 1: everything.\n\nChannel 0: You pay us to do what's part of our ongoing service fee. So you pay us\n\nChannel 1: Yes.\n\nChannel 0: a service fee to look after things, to provide advice, to help guide you along the way, and\n\nChannel 1: Yes.\n\nChannel 0: to be there and\n\nChannel 1: Yep.\n\nChannel 0: support you and to provide that financial support and that financial advice. So that's what\n\nChannel 1: Yep.\n\nChannel 0: we do. The idea of having an adviser is that they you've given them some goals, and they're here helping you track towards those goals.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: yeah.\n\nChannel 1: Wonderful.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Good.\n\nChannel 1: Alright. So I'll be hearing from you next Thursday morning at ten\n\nChannel 0: Yep.\n\nChannel 1: just to run through as I was I have a few little things that you were putting into place.\n\nChannel 0: Yeah. Absolutely. Yeah. So we'll go back. We'll just do up the the portfolio switch again, just reducing risk.\n\nWe won't go as gradual. We'll move into more of a balanced growth environment for you,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll look at what that looks like. Then we'll come back in a few months' time and reassess\n\nChannel 1: Sounds\n\nChannel 0: things moving\n\nChannel 1: great.\n\nChannel 0: forward a bit closer. I probably\n\nChannel 1: Yep.\n\nChannel 0: actually just want to quickly, if I could we did your risk profile questionnaire a few months ago, but I just wanted to re quickly visit that to just kind of gauge. I had answered most of these previously just with, like, your time horizon and everything. But\n\nChannel 1: Yes.\n\nChannel 0: one of the things I just wanted to I have just three questions I'd like to kind of go through just to kinda clarify. The first question is if you saw your super fall by 20% in the next, say, one to two years, how do you think you might be feeling? Do you consider yourself comfortable? You're thinking it's an investment opportunity and wanna put more money into the market. Are you a bit cautious wanting to call us and see what we suggest you do, maybe hold and wait?\n\nOr are you a bit concerned and maybe wanting to sell the investment and put the money into something more secure? Out of those three options, where do you think you might fit,\n\nChannel 1: Well, I don't know. I think I'd be cautious, but I said I've gotta put my money into something more secure.\n\nChannel 0: Sharon? Yep.\n\nChannel 1: Does that make sense?\n\nChannel 0: Yep. Yep. Do you think you would be, you know, feeling cautious, maybe calling us and talking to us about the options,\n\nChannel 1: Absolutely.\n\nChannel 0: or do you think you'd be ringing us and go, hey. Sell that investment. I wanna get a cash. I'm a bit concerned and nervous.\n\nChannel 1: I think I'd call you and say what is what options there is.\n\nChannel 0: Yeah. Perfect. Excellent. And I'm just noting here, so 67 is when we're gonna work on for your time horizon. So it gives us a four year time horizon to access super.\n\nBeautiful. I'll tick the box there. I've noted here with regards to the average return you're like you're hoping to achieve, we wanted to get the best possible return you can from your super. Am I on the right track with that one? Happy to tick that box.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Beautiful. And the other one here is thinking about your super in the past, have you ever seen your super fall in value? I know we do see market ups and downs, but have you ever seen your super fall in value\n\nChannel 1: Not with you\n\nChannel 0: in\n\nChannel 1: guy\n\nChannel 0: the\n\nChannel 1: not\n\nChannel 0: past?\n\nChannel 1: with you guys, I haven't. No.\n\nChannel 0: But even before that, have you seen a falling value before that at all?\n\nChannel 1: Like, with Hester and stuff like that.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: To be honest, until I got with you guys, I never ever took a lot of interest in it, to be honest. I never,\n\nChannel 0: Okay.\n\nChannel 1: like, never had the conversations, I don't think, to to be able\n\nChannel 0: Yep.\n\nChannel 1: to understand what's happening with it.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: That's okay. Thinking that you're super now because we know markets will go up and down, and no matter what portfolio you're in, you will see those ups and downs. It's about the risk level that you're taking to make sure you're comfortable with the types of ups and downs that you do see and feel. If you saw your portfolio fall in the future due to what was happening in the markets globally, do you think you'd be feeling optimistic, cautious, concerned, or feeling very anxious about it?\n\nChannel 1: Probably feeling very anxious about it. I'd say with where I'm\n\nChannel 0: Yep. Yep. Absolutely. And the last one\n\nChannel 1: at\n\nChannel 0: here\n\nChannel 1: at the\n\nChannel 0: is\n\nChannel 1: moment.\n\nChannel 0: Absolutely. And the last one here is thinking about the risk level. If you thought about risk between numbers one and five, five being the highest risk level or your money in shares, one being the lowest, it's sitting all in cash. Where do you think you might see yourself fitting between one and five in a number? Do you see\n\nChannel 1: I\n\nChannel 0: yourself\n\nChannel 1: don't know. I\n\nChannel 0: as\n\nChannel 1: think\n\nChannel 0: a two,\n\nChannel 1: maybe about\n\nChannel 0: three,\n\nChannel 1: a three\n\nChannel 0: four,\n\nChannel 1: maybe.\n\nChannel 0: three? Yep. Absolutely. Perfect. All good.\n\nSo with that, you have scored as more of a moderate investor. So it does sort of see that balanced portfolio that we were sort of looking at before, but we can absolutely go balanced growth. It is one above. To give you a bit of an idea, as I kinda mentioned before, it sees about 70% of your super invested in growth assets. So think about Australian shares, international shares, some gold and silver, and some property.\n\nAnd then\n\nChannel 1: Yes.\n\nChannel 0: the other are generally 30% in defensive lower risk investments, like cash, bonds, and fixed interest. This balanced growth environment, you're tracking to try you wanna get an average return of six to 8% on a yearly basis and compounding that forward. And suit someone who has about sort of six years before they you know, five to six years before they're accessing their super, so around about five years. With your four year time horizon to age 65, knowing you still want to work a little bit longer, that's okay because 65, you said you just wanna drop days, but you still want to work. So you'll still be putting money into super.\n\nSo this balanced growth environment with your four to five year time horizon is completely fine\n\nChannel 1: Mhmm.\n\nChannel 0: with a negative return. Now because we always talk about market ups and downs, and every portfolio has the likelihood of a negative return. This sort of balanced growth environment is the likelihood of a negative return is one in say every six years, which is very\n\nChannel 1: Yes.\n\nChannel 0: much lower risk. With the portfolio you're in now, the average likelihood of a negative return is one in every five years. So we're reducing the risk level. We're reducing the likelihood of a negative return a little bit as well and trying to create a bit more stability to your portfolio. Does that still feel right for you, that balanced growth environment there, Sharon?\n\nChannel 1: Yeah. It does. It does.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Do you have questions about what I've just gone through?\n\nChannel 1: Yep. I don't think so. No.\n\nChannel 0: No?\n\nChannel 1: No.\n\nChannel 0: That's\n\nChannel 1: No.\n\nChannel 0: okay. All good. I'm are you comfortable for me? I'll just go back. I'll update the advice.\n\nWe'll talk again next Thursday morning and go through it together. Did\n\nChannel 1: Mhmm.\n\nChannel 0: you want me to get someone to also post you out a hard copy as well? It won't be there by next Thursday, but it will come a few days after. Did you still want someone to post a hard copy for you?\n\nChannel 1: Yep. Definitely. That'll be great. Yep.\n\nChannel 0: Fantastic. Not\n\nChannel 1: So\n\nChannel 0: a problem at all.\n\nChannel 1: when you when do I sign this after I speak to you next week, do I?\n\nChannel 0: You yeah. You can. So we'll I'll go through it with you online next week so you can see the document. We'll talk about it. You can ask any questions you have, and then a hard copy will come in the post for you to reread.\n\nAnd then if you're comfortable proceeding with that advice, I'll get you to sign it electronically.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I can get someone to one of my team to give you a call maybe a week or two after we've gone through it, and they can help you with the signing of that if you would like. Does\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: sound\n\nChannel 1: think that's\n\nChannel 0: okay?\n\nChannel 1: doctor sign, isn't it? I think I've got that set\n\nChannel 0: Yeah.\n\nChannel 1: up.\n\nChannel 0: Yeah. It's\n\nChannel 1: Yep.\n\nChannel 0: we use Odoo Sign, which is the same sort of thing. You just press the button that says sign to sign or sign here, and\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: I\n\nChannel 0: takes\n\nChannel 1: think I've\n\nChannel 0: you\n\nChannel 1: done\n\nChannel 0: through.\n\nChannel 1: that once before with you guys, I\n\nChannel 0: Yes.\n\nChannel 1: think. Yep.\n\nChannel 0: Shouldn't be a problem. But if you get stuck, you can let us know. We're more than happy to help you talk you through it. Okay.\n\nChannel 1: For sure. Okay. Alright.\n\nChannel 0: Excellent.\n\nChannel 1: Sounds\n\nChannel 0: All good.\n\nChannel 1: great. Thank you so much for today.\n\nChannel 0: That's okay. That's not a problem at all. I'll go back and update the advice, and we'll talk again next Thursday. And in the meantime, if any questions come out, Sharon, just let me know. Okay?\n\nChannel 1: I'll jot them down, and I'll ask you next Thursday.\n\nChannel 0: Absolutely. All\n\nChannel 1: Okay.\n\nChannel 0: good.\n\nChannel 1: Alright.\n\nChannel 0: Thank\n\nChannel 1: Okay.\n\nChannel 0: you. I'll let you go. You have a lovely evening.\n\nChannel 1: You too, and thank you.\n\nChannel 0: No\n\nChannel 1: Okay.\n\nChannel 0: worries, though.\n\nChannel 1: Take\n\nChannel 0: Thanks,\n\nChannel 1: care.\n\nChannel 0: Sharon. Thank you.\n\nChannel 1: Bye.\n\nChannel 0: See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.019583266228437424}],"sentiment":"neutral","sentiment_score":0.019583266228437424,"channel":1,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"Oh, hi, Sharon.","start":4.64,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.0967089409629504},{"text":"It's Dana from Oceania Financial.","start":5.3599997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.15088603794574737},{"text":"How are you this afternoon?","start":6.8799996,"end":8.02,"sentiment":"neutral","sentiment_score":0.20444639325141906}],"sentiment":"neutral","sentiment_score":0.15898376760574487,"channel":0,"num_words":13,"start":4.64,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.4614594181378682},{"text":"Thank you.","start":8.96,"end":9.28,"sentiment":"positive","sentiment_score":0.4689728021621704},{"text":"Can you hear me okay?","start":9.28,"end":10.5,"sentiment":"neutral","sentiment_score":0.10603603571653367}],"sentiment":"neutral","sentiment_score":0.2852504037320614,"channel":1,"num_words":10,"start":8.16,"end":10.5},{"sentences":[{"text":"Yeah.","start":10.719999,"end":11.04,"sentiment":"neutral","sentiment_score":0.08472701907157898},{"text":"I can hear you perfectly fine.","start":11.04,"end":12.48,"sentiment":"neutral","sentiment_score":0.10487398505210876},{"text":"Can you hear","start":12.48,"end":13.125,"sentiment":"neutral","sentiment_score":0.06491363421082497}],"sentiment":"neutral","sentiment_score":0.09087118320167065,"channel":0,"num_words":10,"start":10.719999,"end":13.125},{"sentences":[{"text":"I can.","start":13.92,"end":14.559999,"sentiment":"neutral","sentiment_score":0.08600778132677078},{"text":"I can for sure.","start":14.559999,"end":15.599999,"sentiment":"neutral","sentiment_score":0.05956614390015602}],"sentiment":"neutral","sentiment_score":0.06838002304236095,"channel":1,"num_words":6,"start":13.92,"end":15.599999},{"sentences":[{"text":"alright?","start":15.205,"end":15.705,"sentiment":"neutral","sentiment_score":0.07894295454025269}],"sentiment":"neutral","sentiment_score":0.07894295454025269,"channel":0,"num_words":1,"start":15.205,"end":15.705},{"sentences":[{"text":"Yep.","start":15.599999,"end":15.975,"sentiment":"neutral","sentiment_score":0.1850184053182602}],"sentiment":"neutral","sentiment_score":0.1850184053182602,"channel":1,"num_words":1,"start":15.599999,"end":15.975},{"sentences":[{"text":"Fantastic.","start":16.244999,"end":16.744999,"sentiment":"positive","sentiment_score":0.5294969081878662}],"sentiment":"positive","sentiment_score":0.5294969081878662,"channel":0,"num_words":1,"start":16.244999,"end":16.744999},{"sentences":[{"text":"Definitely.","start":16.295,"end":16.795,"sentiment":"positive","sentiment_score":0.47257837653160095}],"sentiment":"positive","sentiment_score":0.47257837653160095,"channel":1,"num_words":1,"start":16.295,"end":16.795},{"sentences":[{"text":"All good, Sharon.","start":17.365,"end":18.244999,"sentiment":"positive","sentiment_score":0.5423600872357687},{"text":"I just had you booked in for a bit of a catch up in relation to the advice we provided a few months back.","start":18.244999,"end":22.404999,"sentiment":"neutral","sentiment_score":0.22129367974897227},{"text":"Is now still a good time there for you?","start":22.404999,"end":24.425,"sentiment":"neutral","sentiment_score":0.23539411690500048}],"sentiment":"neutral","sentiment_score":0.2515743229952123,"channel":0,"num_words":36,"start":17.365,"end":24.425},{"sentences":[{"text":"Yep.","start":24.375,"end":24.695,"sentiment":"neutral","sentiment_score":0.09361907094717026},{"text":"That's fine.","start":24.695,"end":25.515,"sentiment":"neutral","sentiment_score":0.1628231331706047},{"text":"Totally fine.","start":25.575,"end":26.555,"sentiment":"positive","sentiment_score":0.34404826164245605}],"sentiment":"neutral","sentiment_score":0.22147237211465837,"channel":1,"num_words":5,"start":24.375,"end":26.555},{"sentences":[{"text":"Fantastic.","start":27.119999,"end":27.619999,"sentiment":"positive","sentiment_score":0.5095093846321106},{"text":"Before I jump into the call, I just have to let you know we do record our calls for quality and training purposes.","start":28.32,"end":32.96,"sentiment":"neutral","sentiment_score":0.17382457852363586},{"text":"Are you happy for me to proceed with that?","start":32.96,"end":35.14,"sentiment":"neutral","sentiment_score":0.1748806056049135}],"sentiment":"neutral","sentiment_score":0.18428485276121082,"channel":0,"num_words":33,"start":27.119999,"end":35.14},{"sentences":[{"text":"Yes.","start":35.33,"end":35.73,"sentiment":"neutral","sentiment_score":0.11850886046886444},{"text":"Definitely.","start":35.73,"end":36.21,"sentiment":"neutral","sentiment_score":0.1621928513050079},{"text":"That's fine.","start":36.21,"end":37.03,"sentiment":"neutral","sentiment_score":0.2059006616473198},{"text":"Yep.","start":37.17,"end":37.67,"sentiment":"neutral","sentiment_score":0.2286890596151352}],"sentiment":"neutral","sentiment_score":0.18423841893672943,"channel":1,"num_words":5,"start":35.33,"end":37.67},{"sentences":[{"text":"Fantastic.","start":37.68,"end":38.18,"sentiment":"positive","sentiment_score":0.4157719314098358},{"text":"And then, also, just to do a really quick security check there with you, just to confirm your full name, your date of birth, and address I should have on file.","start":39.105003,"end":45.765,"sentiment":"neutral","sentiment_score":0.15640657298987912}],"sentiment":"neutral","sentiment_score":0.16451174044050276,"channel":0,"num_words":32,"start":37.68,"end":45.765},{"sentences":[{"text":"Sharon Joy Carey, second of the third","start":46.145,"end":48.385,"sentiment":"neutral","sentiment_score":0.03016411220388753}],"sentiment":"neutral","sentiment_score":0.03016411220388753,"channel":1,"num_words":7,"start":46.145,"end":48.385},{"sentences":[{"text":"Yeah.","start":48.145,"end":48.645,"sentiment":"neutral","sentiment_score":0.039990268647670746}],"sentiment":"neutral","sentiment_score":0.039990268647670746,"channel":0,"num_words":1,"start":48.145,"end":48.645},{"sentences":[{"text":"nineteen sixty three, and I reside at 1 Slash 11 Johnson Street, Stanthorpe, Queensland 4380.","start":48.385,"end":56.66,"sentiment":"neutral","sentiment_score":0.04622364901006222}],"sentiment":"neutral","sentiment_score":0.04622364901006222,"channel":1,"num_words":15,"start":48.385,"end":56.66},{"sentences":[{"text":"Fantastic.","start":55.120003,"end":55.620003,"sentiment":"positive","sentiment_score":0.4249011278152466},{"text":"Beautiful.","start":57.04,"end":57.54,"sentiment":"positive","sentiment_score":0.5055652856826782},{"text":"Thank you so much for that, Sharon.","start":57.600002,"end":59.38,"sentiment":"positive","sentiment_score":0.5651385102953229},{"text":"So just as with the the cat test today, one of the things that was sort of made mention was that you seemed pretty happy with most of the advice there.","start":60.08,"end":68.145004,"sentiment":"neutral","sentiment_score":0.22231199087635165},{"text":"The main sort of aspect was that trans transition to retirement strategy you weren't weren't sure if you wanted to go ahead with.","start":68.145004,"end":74.645004,"sentiment":"neutral","sentiment_score":0.02839010856721712}],"sentiment":"neutral","sentiment_score":0.19731873332981079,"channel":0,"num_words":63,"start":55.120003,"end":74.645004},{"sentences":[{"text":"Does","start":74.94501,"end":75.185005,"sentiment":"neutral","sentiment_score":0.014975501224398611}],"sentiment":"neutral","sentiment_score":0.014975501224398611,"channel":0,"num_words":1,"start":74.94501,"end":75.185005},{"sentences":[{"text":"Yep.","start":75.175,"end":75.675,"sentiment":"neutral","sentiment_score":0.02148652635514736}],"sentiment":"neutral","sentiment_score":0.02148652635514736,"channel":1,"num_words":1,"start":75.175,"end":75.675},{"sentences":[{"text":"that sound about right?","start":75.185005,"end":76.40501,"sentiment":"neutral","sentiment_score":0.013073805486783385}],"sentiment":"neutral","sentiment_score":0.013073805486783385,"channel":0,"num_words":4,"start":75.185005,"end":76.40501},{"sentences":[{"text":"Yeah.","start":76.535,"end":77.035,"sentiment":"neutral","sentiment_score":-0.004621184431016445},{"text":"That was that.","start":77.255005,"end":77.895004,"sentiment":"neutral","sentiment_score":-0.012261976798375448},{"text":"But I yeah.","start":77.895004,"end":78.535,"sentiment":"neutral","sentiment_score":-0.08277836441993713},{"text":"I I just yeah.","start":78.535,"end":83.34,"sentiment":"neutral","sentiment_score":-0.14247551560401917},{"text":"I don't know.","start":83.34,"end":84.17999,"sentiment":"neutral","sentiment_score":-0.1898533304532369}],"sentiment":"neutral","sentiment_score":-0.10208601870441011,"channel":1,"num_words":14,"start":76.535,"end":84.17999},{"sentences":[{"text":"I'm well, I didn't fully understand.","start":84.17999,"end":86.479996,"sentiment":"neutral","sentiment_score":-0.20161882042884827},{"text":"I don't know.","start":86.619995,"end":87.17999,"sentiment":"neutral","sentiment_score":-0.2100659559170405},{"text":"I'm not quite with it with that.","start":87.17999,"end":88.78,"sentiment":"neutral","sentiment_score":-0.2793695884091513},{"text":"I'm not sure.","start":88.78,"end":89.67999,"sentiment":"neutral","sentiment_score":-0.16742567718029022},{"text":"Yes.","start":90.21999,"end":90.71999,"sentiment":"neutral","sentiment_score":-0.02710316702723503}],"sentiment":"neutral","sentiment_score":-0.21624390538781882,"channel":1,"num_words":20,"start":84.17999,"end":90.71999},{"sentences":[{"text":"Yep.","start":90.229996,"end":90.729996,"sentiment":"neutral","sentiment_score":-0.010956598445773125},{"text":"That's okay.","start":91.11,"end":91.875,"sentiment":"neutral","sentiment_score":0.013460119254887104},{"text":"So the way a transition retirement strategy works is that, essentially, at the moment, you've got your super account, and your super is sitting in what's called an accumulation phase.","start":91.955,"end":101.415,"sentiment":"neutral","sentiment_score":0.006429624546823712},{"text":"Essentially, to have this TTR strategy as it's called shortly, we look to increase your contributions in the super as much as we possibly cap can up to the concessional cap to say as an example, the concessional cap is 32,500 this financial year.","start":102.515,"end":117.45,"sentiment":"neutral","sentiment_score":0.04513777100311762},{"text":"So we look at what your income is and what your employer So we look at what your income is and what your employer contributions are going in and then increase those contributions up to the cap as much as we possibly can.","start":117.45,"end":128.725,"sentiment":"neutral","sentiment_score":0.057767521763263746}],"sentiment":"neutral","sentiment_score":0.03899098113688524,"channel":0,"num_words":120,"start":90.229996,"end":128.725},{"sentences":[{"text":"Now because that money goes into super by way of salary sacrifice, it reduces how much you have take home pay.","start":129.025,"end":135.67001,"sentiment":"neutral","sentiment_score":-0.10604620370126906},{"text":"That's generally not preferable because it means that you end up with less money to pay all of your bills.","start":135.73001,"end":140.71,"sentiment":"neutral","sentiment_score":-0.23732385635375977}],"sentiment":"neutral","sentiment_score":-0.17008408304394745,"channel":0,"num_words":41,"start":129.025,"end":140.71},{"sentences":[{"text":"Yes.","start":141.17001,"end":141.67001,"sentiment":"neutral","sentiment_score":0.15683400630950928}],"sentiment":"neutral","sentiment_score":0.15683400630950928,"channel":1,"num_words":1,"start":141.17001,"end":141.67001},{"sentences":[{"text":"So then we can open up a secondary account.","start":141.25,"end":144.05,"sentiment":"neutral","sentiment_score":0.22665762901306152},{"text":"And because you're over over 60, we're able to open up a a it's called a transition to retirement pension account.","start":144.05,"end":152.205,"sentiment":"neutral","sentiment_score":0.2799216090213685},{"text":"The rules of opening up this pension account are that you can only access a minimum at the moment of 4% of your balance transferred and a maximum of 10%.","start":153.065,"end":162.57,"sentiment":"neutral","sentiment_score":0.2742487852772077},{"text":"And so because we're putting more money into super by way of salary sacrifice, we're also drawing some out to replenish your income.","start":163.13,"end":170.75,"sentiment":"positive","sentiment_score":0.4242868993593299},{"text":"And the money that comes out of that transition retirement pension is tax free because you're over the age of 60, And we don't have to take as much out as what we're putting in because the money going in is pretax.","start":171.13,"end":183.11499,"sentiment":"positive","sentiment_score":0.34877321248253185}],"sentiment":"neutral","sentiment_score":0.3244224769473076,"channel":0,"num_words":125,"start":141.25,"end":183.11499},{"sentences":[{"text":"Essentially, it keeps your take home pay exactly the same.","start":184.055,"end":187.275,"sentiment":"positive","sentiment_score":0.3735859230160713},{"text":"You pay less tax because you're putting more money 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60.","start":216.435,"end":218.13501,"sentiment":"neutral","sentiment_score":-0.1883745938539505},{"text":"Yeah.","start":218.27501,"end":218.77501,"sentiment":"neutral","sentiment_score":-0.010332738980650902}],"sentiment":"neutral","sentiment_score":-0.17199004883877933,"channel":0,"num_words":8,"start":216.115,"end":218.77501},{"sentences":[{"text":"Okay.","start":221.97499,"end":222.47499,"sentiment":"neutral","sentiment_score":0.010291913524270058},{"text":"And, like, how long did you say it'd take to get into my account?","start":225.575,"end":228.69,"sentiment":"neutral","sentiment_score":-0.005653934287173408},{"text":"Like, just the next day or something?","start":228.69,"end":230.87,"sentiment":"neutral","sentiment_score":0.0028509359274591717}],"sentiment":"neutral","sentiment_score":-0.002223027954724702,"channel":1,"num_words":22,"start":221.97499,"end":230.87},{"sentences":[{"text":"Very quickly.","start":231.41,"end":232.05,"sentiment":"neutral","sentiment_score":0.12506356835365295},{"text":"Yeah.","start":232.05,"end":232.37,"sentiment":"neutral","sentiment_score":0.13664507865905762},{"text":"Correct.","start":232.37,"end":232.87,"sentiment":"neutral","sentiment_score":0.18826361000537872},{"text":"So this salary sacrifice happens with your employer.","start":232.93001,"end":235.885,"sentiment":"neutral","sentiment_score":0.16164499148726463},{"text":"When we set up the transition time and pension account, we allocate when you want those pension payments to be made.","start":236.265,"end":242.265,"sentiment":"neutral","sentiment_score":0.18010328621381805}],"sentiment":"neutral","sentiment_score":0.17122317478060722,"channel":0,"num_words":33,"start":231.41,"end":242.265},{"sentences":[{"text":"So say if you get paid on a Wednesday once every fortnight, we can have that payment so it's drawn down on that same Wednesday so it hits your account the same day as your income or the next day.","start":242.265,"end":253.36,"sentiment":"neutral","sentiment_score":0.31734796427190304},{"text":"We actually get a lot of control as to when the, those funds are expected to hit your bank account.","start":253.36,"end":258.18,"sentiment":"positive","sentiment_score":0.5052783161401748}],"sentiment":"positive","sentiment_score":0.3799914148946603,"channel":0,"num_words":60,"start":242.265,"end":258.18},{"sentences":[{"text":"Right.","start":258.63998,"end":259.12,"sentiment":"neutral","sentiment_score":0.18847018480300903},{"text":"So what did you say the bit was about the salary salary because I already salary 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so if a portfolio can go through the last five years and still average 11% return, then moving forward, depending on what kind of ups and downs we see, that","start":891.915,"end":901.63,"sentiment":"neutral","sentiment_score":0.14632318709646502}],"sentiment":"neutral","sentiment_score":0.14632318709646502,"channel":0,"num_words":31,"start":891.915,"end":901.63},{"sentences":[{"text":"Yep.","start":901.515,"end":902.015,"sentiment":"neutral","sentiment_score":0.10359427332878111}],"sentiment":"neutral","sentiment_score":0.10359427332878111,"channel":1,"num_words":1,"start":901.515,"end":902.015},{"sentences":[{"text":"portfolio can still obtain that same return.","start":901.63,"end":904.37,"sentiment":"neutral","sentiment_score":0.12523130433900015},{"text":"Not guaranteed to, but could.","start":904.58997,"end":906.52997,"sentiment":"neutral","sentiment_score":-0.1435996800661087},{"text":"So that's how we utilize past data to look at returns, hoping to make sure it reflects the future.","start":906.67,"end":912.085,"sentiment":"neutral","sentiment_score":0.07984220942384318},{"text":"We're hoping that it reflects the future, but it's not always guaranteed.","start":912.085,"end":915.22504,"sentiment":"neutral","sentiment_score":0.012231438110272089},{"text":"So we like to sort of say projection tables are just where you're tracking based on the information we have from the past.","start":915.36505,"end":924.005,"sentiment":"neutral","sentiment_score":0.1477954514000727}],"sentiment":"neutral","sentiment_score":0.0791165961912184,"channel":0,"num_words":66,"start":901.63,"end":924.005},{"sentences":[{"text":"If the portfolio was able to get the same returns as what it has, this is where you could end up.","start":924.005,"end":929.77,"sentiment":"neutral","sentiment_score":0.2957306458126931},{"text":"If you're in the document, if you go to page 34 for me, this is a secondary projection 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it?","start":944.08997,"end":945.15,"sentiment":"neutral","sentiment_score":-0.17278202064335346}],"sentiment":"neutral","sentiment_score":-0.17278202064335346,"channel":1,"num_words":4,"start":944.08997,"end":945.15},{"sentences":[{"text":"It is.","start":945.265,"end":945.825,"sentiment":"neutral","sentiment_score":-0.09530569612979889},{"text":"It's okay.","start":945.825,"end":946.565,"sentiment":"neutral","sentiment_score":-0.07975610718131065},{"text":"We can always do it slower if you wanted to.","start":946.945,"end":948.945,"sentiment":"neutral","sentiment_score":-0.26950677037239074},{"text":"I could always look at just doing the investment switch first, and then we come back and look at the TTR down the track if you would like to.","start":948.945,"end":956.01,"sentiment":"neutral","sentiment_score":0.01617905176405249}],"sentiment":"neutral","sentiment_score":-0.05990694905089777,"channel":0,"num_words":43,"start":945.265,"end":956.01},{"sentences":[{"text":"So do the 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switch when you say the investment switch, that was the","start":964.18,"end":968.1,"sentiment":"neutral","sentiment_score":0.060088919126428664}],"sentiment":"neutral","sentiment_score":0.060088919126428664,"channel":1,"num_words":16,"start":964.18,"end":968.1},{"sentences":[{"text":"Well, that's that's reducing your risk level and changing the investments.","start":967.965,"end":971.42505,"sentiment":"neutral","sentiment_score":0.15549026226455515}],"sentiment":"neutral","sentiment_score":0.15549026226455515,"channel":0,"num_words":11,"start":967.965,"end":971.42505},{"sentences":[{"text":"yeah.","start":971.38,"end":971.86,"sentiment":"neutral","sentiment_score":0.119932159781456},{"text":"But we could you 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back to yeah.","start":1084.6449,"end":1086.6449,"sentiment":"neutral","sentiment_score":0.019072752678766847},{"text":"No.","start":1086.6449,"end":1086.8049,"sentiment":"neutral","sentiment_score":-0.03313371166586876},{"text":"That's okay.","start":1086.8049,"end":1087.445,"sentiment":"neutral","sentiment_score":0.06670435145497322},{"text":"If you go back up for me to page number 27, I'll show you how this was to look, and I can go back and always update the figures.","start":1087.445,"end":1097.63,"sentiment":"neutral","sentiment_score":0.09953887066964445},{"text":"That's okay.","start":1097.63,"end":1098.45,"sentiment":"neutral","sentiment_score":0.09400203451514244}],"sentiment":"neutral","sentiment_score":0.08555782422129261,"channel":0,"num_words":38,"start":1084.6449,"end":1098.45},{"sentences":[{"text":"On 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together.","start":2158.98,"end":2160.3599,"sentiment":"neutral","sentiment_score":0.2983089288075765},{"text":"I've scheduled that plenty of extra time so we can go through.","start":2160.9,"end":2163.7,"sentiment":"neutral","sentiment_score":0.30949511379003525},{"text":"You can ask me questions.","start":2163.7,"end":2164.9,"sentiment":"neutral","sentiment_score":0.2700443148612976},{"text":"We can talk about what's happening on each of the pages.","start":2164.9,"end":2167.56,"sentiment":"neutral","sentiment_score":0.19979837265881625}],"sentiment":"neutral","sentiment_score":0.26169252395629883,"channel":0,"num_words":38,"start":2158.0999,"end":2167.56},{"sentences":[{"text":"And then if you like, we can also post you a copy.","start":2167.8599,"end":2170.475,"sentiment":"neutral","sentiment_score":0.1747630996008714},{"text":"So I'll get my team to send one out to you in the mail.","start":2170.475,"end":2172.955,"sentiment":"neutral","sentiment_score":0.2085058018565178},{"text":"That way, it comes in the mail, and you've got a hard copy to read.","start":2172.955,"end":2176.095,"sentiment":"neutral","sentiment_score":0.23742738664150237},{"text":"And then","start":2176.155,"end":2176.5552,"sentiment":"neutral","sentiment_score":0.1370377391576767}],"sentiment":"neutral","sentiment_score":0.20585406277068827,"channel":0,"num_words":43,"start":2167.8599,"end":2176.5552},{"sentences":[{"text":"Mhmm.","start":2176.3801,"end":2176.8801,"sentiment":"neutral","sentiment_score":0.1129772961139679}],"sentiment":"neutral","sentiment_score":0.1129772961139679,"channel":1,"num_words":1,"start":2176.3801,"end":2176.8801},{"sentences":[{"text":"you can we can come back and answer any additional questions you have.","start":2176.5552,"end":2179.995,"sentiment":"neutral","sentiment_score":0.17696144374517295},{"text":"Does that sound okay?","start":2179.995,"end":2181.0552,"sentiment":"neutral","sentiment_score":0.1301310770213604}],"sentiment":"neutral","sentiment_score":0.16594253392780528,"channel":0,"num_words":17,"start":2176.5552,"end":2181.0552},{"sentences":[{"text":"Yeah.","start":2181.3252,"end":2181.485,"sentiment":"neutral","sentiment_score":0.06631121784448624},{"text":"That sounds","start":2181.485,"end":2182.0452,"sentiment":"neutral","sentiment_score":0.07653249613940716}],"sentiment":"neutral","sentiment_score":0.07312540337443352,"channel":1,"num_words":3,"start":2181.3252,"end":2182.0452},{"sentences":[{"text":"Yeah?","start":2181.7551,"end":2182.2551,"sentiment":"neutral","sentiment_score":0.06917892396450043}],"sentiment":"neutral","sentiment_score":0.06917892396450043,"channel":0,"num_words":1,"start":2181.7551,"end":2182.2551},{"sentences":[{"text":"fine.","start":2182.0452,"end":2182.5251,"sentiment":"neutral","sentiment_score":0.05494760721921921},{"text":"So that last one that last one that you that you emailed me, what should I delete that one?","start":2182.5251,"end":2188.465,"sentiment":"neutral","sentiment_score":-0.05558629912373267}],"sentiment":"neutral","sentiment_score":-0.05005960380658507,"channel":1,"num_words":20,"start":2182.0452,"end":2188.465},{"sentences":[{"text":"Yes.","start":2189.13,"end":2189.63,"sentiment":"neutral","sentiment_score":-0.01375884748995304},{"text":"Actually, we will do that for you.","start":2189.8499,"end":2191.2898,"sentiment":"neutral","sentiment_score":-0.009433081905756677},{"text":"So I'll get my team to go into the Odoo sign, and they will void that copy.","start":2191.2898,"end":2195.8499,"sentiment":"neutral","sentiment_score":-0.013255011783364941},{"text":"That way, it disappears out for you.","start":2195.8499,"end":2197.795,"sentiment":"neutral","sentiment_score":0.011330183063234602},{"text":"Okay?","start":2197.795,"end":2198.295,"sentiment":"neutral","sentiment_score":0.000882389023900032}],"sentiment":"neutral","sentiment_score":-0.00681611971760338,"channel":0,"num_words":33,"start":2189.13,"end":2198.295},{"sentences":[{"text":"Oh, that just disappears out of mine as well,","start":2197.91,"end":2200.0698,"sentiment":"neutral","sentiment_score":-0.012630588478512235}],"sentiment":"neutral","sentiment_score":-0.012630588478512235,"channel":1,"num_words":9,"start":2197.91,"end":2200.0698},{"sentences":[{"text":"Yep.","start":2199.955,"end":2200.455,"sentiment":"neutral","sentiment_score":-0.002290265168994665}],"sentiment":"neutral","sentiment_score":-0.002290265168994665,"channel":0,"num_words":1,"start":2199.955,"end":2200.455},{"sentences":[{"text":"does it?","start":2200.0698,"end":2200.71,"sentiment":"neutral","sentiment_score":-0.0056351423263549805}],"sentiment":"neutral","sentiment_score":-0.0056351423263549805,"channel":1,"num_words":2,"start":2200.0698,"end":2200.71},{"sentences":[{"text":"It'll","start":2200.595,"end":2200.835,"sentiment":"neutral","sentiment_score":-0.01750977709889412}],"sentiment":"neutral","sentiment_score":-0.01750977709889412,"channel":0,"num_words":1,"start":2200.595,"end":2200.835},{"sentences":[{"text":"Yep.","start":2200.71,"end":2201.21,"sentiment":"neutral","sentiment_score":-0.014551128260791302}],"sentiment":"neutral","sentiment_score":-0.014551128260791302,"channel":1,"num_words":1,"start":2200.71,"end":2201.21},{"sentences":[{"text":"just, yeah, it'll just expire.","start":2200.835,"end":2202.455,"sentiment":"neutral","sentiment_score":-0.05611767619848251},{"text":"The link will be no longer valid.","start":2202.5151,"end":2205.235,"sentiment":"neutral","sentiment_score":-0.14952132105827332},{"text":"So you can delete it on your end, and we'll void it on our end for you.","start":2205.235,"end":2208.835,"sentiment":"neutral","sentiment_score":-0.04806562480242813}],"sentiment":"neutral","sentiment_score":-0.073943215518676,"channel":0,"num_words":29,"start":2200.835,"end":2208.835},{"sentences":[{"text":"Okay.","start":2208.63,"end":2209.13,"sentiment":"neutral","sentiment_score":-0.008057786151766777}],"sentiment":"neutral","sentiment_score":-0.008057786151766777,"channel":1,"num_words":1,"start":2208.63,"end":2209.13},{"sentences":[{"text":"Okay?","start":2208.835,"end":2209.335,"sentiment":"neutral","sentiment_score":-0.010297666303813456}],"sentiment":"neutral","sentiment_score":-0.010297666303813456,"channel":0,"num_words":1,"start":2208.835,"end":2209.335},{"sentences":[{"text":"Alright.","start":2209.27,"end":2209.77,"sentiment":"neutral","sentiment_score":-0.005927120801061392},{"text":"Now tell me, with this super with this other thing, with this pensioner pensioner account pensioner account with your super, does that affect","start":2209.8298,"end":2218.2651,"sentiment":"neutral","sentiment_score":-0.03411390502815661}],"sentiment":"neutral","sentiment_score":-0.032939455685360976,"channel":1,"num_words":24,"start":2209.27,"end":2218.2651},{"sentences":[{"text":"Yeah.","start":2217.89,"end":2218.39,"sentiment":"neutral","sentiment_score":-0.049298737198114395}],"sentiment":"neutral","sentiment_score":-0.049298737198114395,"channel":0,"num_words":1,"start":2217.89,"end":2218.39},{"sentences":[{"text":"the salary sacrificing that I already do with work?","start":2218.2651,"end":2221.405,"sentiment":"neutral","sentiment_score":-0.12953423046403462}],"sentiment":"neutral","sentiment_score":-0.12953423046403462,"channel":1,"num_words":9,"start":2218.2651,"end":2221.405},{"sentences":[{"text":"The the pension account, it shouldn't do.","start":2223.655,"end":2226.375,"sentiment":"neutral","sentiment_score":-0.15394322787012374},{"text":"So when we work it out, we look at your payslip and work out what your take home pay is, what you already have coming out of your account, and work it around that.","start":2226.375,"end":2235.3352,"sentiment":"neutral","sentiment_score":-0.0367421471130322},{"text":"So when we get new payslips, we'll look at it.","start":2235.3352,"end":2237.9502,"sentiment":"neutral","sentiment_score":0.1447235330939293},{"text":"We'll work out what you've got what your pay is, what your take home pay is, how it looks, and try to work it around that for you so it doesn't affect you.","start":2237.9502,"end":2245.97,"sentiment":"neutral","sentiment_score":0.18956392800266092}],"sentiment":"neutral","sentiment_score":0.06400011140587074,"channel":0,"num_words":84,"start":2223.655,"end":2245.97},{"sentences":[{"text":"Okay.","start":2246.375,"end":2246.875,"sentiment":"neutral","sentiment_score":0.07446509599685669},{"text":"Alright.","start":2246.935,"end":2247.435,"sentiment":"neutral","sentiment_score":0.09419704973697662}],"sentiment":"neutral","sentiment_score":0.08433107286691666,"channel":1,"num_words":2,"start":2246.375,"end":2247.435},{"sentences":[{"text":"Yeah.","start":2247.55,"end":2248.05,"sentiment":"neutral","sentiment_score":0.0700937807559967}],"sentiment":"neutral","sentiment_score":0.0700937807559967,"channel":0,"num_words":1,"start":2247.55,"end":2248.05},{"sentences":[{"text":"Yeah.","start":2248.215,"end":2248.455,"sentiment":"neutral","sentiment_score":0.0814395546913147}],"sentiment":"neutral","sentiment_score":0.0814395546913147,"channel":1,"num_words":1,"start":2248.215,"end":2248.455},{"sentences":[{"text":"It's","start":2248.4302,"end":2248.845,"sentiment":"neutral","sentiment_score":0.0695725530385971}],"sentiment":"neutral","sentiment_score":0.0695725530385971,"channel":0,"num_words":1,"start":2248.4302,"end":2248.845},{"sentences":[{"text":"I 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but","start":2250.455,"end":2251.815,"sentiment":"neutral","sentiment_score":-0.1028444528579712}],"sentiment":"neutral","sentiment_score":-0.0596576939122035,"channel":1,"num_words":13,"start":2248.935,"end":2251.815},{"sentences":[{"text":"Yeah.","start":2251.565,"end":2252.065,"sentiment":"neutral","sentiment_score":-0.050291597843170166}],"sentiment":"neutral","sentiment_score":-0.050291597843170166,"channel":0,"num_words":1,"start":2251.565,"end":2252.065},{"sentences":[{"text":"because because I'm already sacrificing salary sacrificing.","start":2251.815,"end":2255.82,"sentiment":"neutral","sentiment_score":-0.2194181020770754},{"text":"So I do, like, a normal one, which is 600 and something dollars.","start":2255.96,"end":2259.16,"sentiment":"neutral","sentiment_score":-0.04138371563301636},{"text":"And then they do a regional one, which you claim another week's rent on.","start":2259.16,"end":2263.16,"sentiment":"neutral","sentiment_score":-0.007790461581732545},{"text":"And,","start":2263.16,"end":2263.56,"sentiment":"neutral","sentiment_score":-0.030850855633616447}],"sentiment":"neutral","sentiment_score":-0.06325235244418893,"channel":1,"num_words":35,"start":2251.815,"end":2263.56},{"sentences":[{"text":"Yeah.","start":2263.4849,"end":2263.9849,"sentiment":"neutral","sentiment_score":-0.06547728925943375}],"sentiment":"neutral","sentiment_score":-0.06547728925943375,"channel":0,"num_words":1,"start":2263.4849,"end":2263.9849},{"sentences":[{"text":"like, I'm salary sacrificing nearly nearly $1,000 a fortnight, and I only pay, like, a $166 a fortnight's","start":2263.56,"end":2272.345,"sentiment":"neutral","sentiment_score":-0.12228056457307604}],"sentiment":"neutral","sentiment_score":-0.12228056457307604,"channel":1,"num_words":18,"start":2263.56,"end":2272.345},{"sentences":[{"text":"Wow.","start":2272.07,"end":2272.57,"sentiment":"neutral","sentiment_score":-0.1411972939968109}],"sentiment":"neutral","sentiment_score":-0.1411972939968109,"channel":0,"num_words":1,"start":2272.07,"end":2272.57},{"sentences":[{"text":"tax.","start":2272.4048,"end":2272.9048,"sentiment":"neutral","sentiment_score":-0.08147431910037994}],"sentiment":"neutral","sentiment_score":-0.08147431910037994,"channel":1,"num_words":1,"start":2272.4048,"end":2272.9048},{"sentences":[{"text":"Wow.","start":2273.4302,"end":2273.9302,"sentiment":"neutral","sentiment_score":-0.03436396270990372},{"text":"See, that's the other thing we'll look at is we'll look at with your pay whether it's even gonna help you or whether it's even gonna work out good for you to do.","start":2274.07,"end":2281.145,"sentiment":"neutral","sentiment_score":0.12542795937395457},{"text":"Because if you're salary sacrificing or if you're salary packaging that much money already, then it may not work out that you can salary sacrifice.","start":2281.145,"end":2290.665,"sentiment":"negative","sentiment_score":-0.3410689374804497}],"sentiment":"neutral","sentiment_score":-0.07494855492170584,"channel":0,"num_words":59,"start":2273.4302,"end":2290.665},{"sentences":[{"text":"Beneficial.","start":2290.27,"end":2290.77,"sentiment":"neutral","sentiment_score":-0.10562734305858612}],"sentiment":"neutral","sentiment_score":-0.10562734305858612,"channel":1,"num_words":1,"start":2290.27,"end":2290.77},{"sentences":[{"text":"It may not work out beneficial for you.","start":2290.665,"end":2290.726,"sentiment":"neutral","sentiment_score":-0.2975306697189808},{"text":"So we do all that work and all that math for you to work out So we","start":2290.726,"end":2293.7,"sentiment":"neutral","sentiment_score":0.17327761956874063}],"sentiment":"neutral","sentiment_score":0.02261896699666977,"channel":0,"num_words":25,"start":2290.665,"end":2293.7},{"sentences":[{"text":"Yeah.","start":2293.39,"end":2293.89,"sentiment":"neutral","sentiment_score":0.24154290556907657}],"sentiment":"neutral","sentiment_score":0.24154290556907657,"channel":1,"num_words":1,"start":2293.39,"end":2293.89},{"sentences":[{"text":"do all that work and all that math for you to work out whether it works, how it's gonna work, and then we'll come back and let you know yes or no.","start":2294.16,"end":2301.46,"sentiment":"neutral","sentiment_score":0.20107974135316908},{"text":"Hey.","start":2301.52,"end":2301.68,"sentiment":"neutral","sentiment_score":-0.03397461026906967},{"text":"It's not gonna work.","start":2301.68,"end":2302.56,"sentiment":"neutral","sentiment_score":-0.17457249760627747},{"text":"We're not gonna do it, or, yes, it will work, and this is how it'll work for you and show you the numbers.","start":2302.56,"end":2307.315,"sentiment":"neutral","sentiment_score":0.07209089722322382}],"sentiment":"neutral","sentiment_score":0.12267296264568965,"channel":0,"num_words":60,"start":2294.16,"end":2307.315},{"sentences":[{"text":"Okay.","start":2308.115,"end":2308.615,"sentiment":"neutral","sentiment_score":0.05830032750964165}],"sentiment":"neutral","sentiment_score":0.05830032750964165,"channel":1,"num_words":1,"start":2308.115,"end":2308.615},{"sentences":[{"text":"And, admittedly, everything can change in a few months, so we'll start by just reducing your risk and changing your investment now.","start":2308.115,"end":2315.395,"sentiment":"neutral","sentiment_score":0.1113039120523767},{"text":"We'll go through that slowly, and then","start":2315.395,"end":2317.795,"sentiment":"neutral","sentiment_score":0.15370412915945053}],"sentiment":"neutral","sentiment_score":0.12153844721615314,"channel":0,"num_words":29,"start":2308.115,"end":2317.795},{"sentences":[{"text":"Mhmm.","start":2317.65,"end":2318.15,"sentiment":"neutral","sentiment_score":0.0811791643500328}],"sentiment":"neutral","sentiment_score":0.0811791643500328,"channel":1,"num_words":1,"start":2317.65,"end":2318.15},{"sentences":[{"text":"we can come back in a few months' time, look at how things are tracking for you, and look at what we need to do.","start":2317.795,"end":2323.53,"sentiment":"neutral","sentiment_score":0.20260356843471528},{"text":"And as part of this, I mean, as you'll see in that document there, I do do a bit of a a Money Smart calculation.","start":2323.53,"end":2331.39,"sentiment":"neutral","sentiment_score":0.23869667679071427},{"text":"It's essentially a a retirement projected income calculation based on what we're projecting you should have and how much income you should be able to draw to give you longevity or what your income looks like.","start":2331.6099,"end":2345.345,"sentiment":"neutral","sentiment_score":0.07848216789878076},{"text":"I'll redo that calculation, and I'll show you that we'll go through that together.","start":2345.565,"end":2350.16,"sentiment":"neutral","sentiment_score":0.09213265244449888},{"text":"Okay?","start":2350.22,"end":2350.7,"sentiment":"neutral","sentiment_score":0.06006041169166565}],"sentiment":"neutral","sentiment_score":0.15057209624659898,"channel":0,"num_words":101,"start":2317.795,"end":2350.7},{"sentences":[{"text":"It's","start":2350.7,"end":2350.8599,"sentiment":"neutral","sentiment_score":0.06848453730344772}],"sentiment":"neutral","sentiment_score":0.06848453730344772,"channel":0,"num_words":1,"start":2350.7,"end":2350.8599},{"sentences":[{"text":"Okay.","start":2350.82,"end":2351.32,"sentiment":"neutral","sentiment_score":0.0665283054113388}],"sentiment":"neutral","sentiment_score":0.0665283054113388,"channel":1,"num_words":1,"start":2350.82,"end":2351.32},{"sentences":[{"text":"just sort of projecting forward based on the advice what we expect in retirement, how long income should be expected to last, or how long your super should be expected to last.","start":2350.8599,"end":2360.865,"sentiment":"neutral","sentiment_score":0.07886450923979282},{"text":"I'll have you look at age pension as well well well whether you're eligible for age pension based on current assets and liabilities and things like that, and then we can go back and update everything.","start":2360.945,"end":2371.605,"sentiment":"neutral","sentiment_score":0.05555576686229971}],"sentiment":"neutral","sentiment_score":0.06652458680464941,"channel":0,"num_words":68,"start":2350.8599,"end":2371.605},{"sentences":[{"text":"So you can look into all that with because I think I will be.","start":2371.34,"end":2374.1401,"sentiment":"neutral","sentiment_score":0.07545351636196886},{"text":"Because I think basically, my","start":2374.1401,"end":2375.9001,"sentiment":"neutral","sentiment_score":-0.012568236328661442}],"sentiment":"neutral","sentiment_score":0.05228989723285562,"channel":1,"num_words":19,"start":2371.34,"end":2375.9001},{"sentences":[{"text":"Yeah.","start":2375.72,"end":2376.22,"sentiment":"neutral","sentiment_score":-0.024047868326306343}],"sentiment":"neutral","sentiment_score":-0.024047868326306343,"channel":0,"num_words":1,"start":2375.72,"end":2376.22},{"sentences":[{"text":"Supra is about the only investment that I've got.","start":2375.9001,"end":2378.1401,"sentiment":"neutral","sentiment_score":-0.05770152765843603},{"text":"It's my only things that I've got.","start":2378.1401,"end":2380.06,"sentiment":"neutral","sentiment_score":-0.1025690957903862},{"text":"And all that like, it because that's that's all I've really got plus my car.","start":2380.06,"end":2384.78,"sentiment":"neutral","sentiment_score":-0.13661953409512836},{"text":"It's not that's not worth a big amount 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have.","start":3761.69,"end":3764.01,"sentiment":"neutral","sentiment_score":0.1695526283648279},{"text":"Is there anything else that's kinda come up that's, you know, might be concerned or you just need a It'll come down","start":3764.01,"end":3776.8584,"sentiment":"neutral","sentiment_score":0.009860992092977871}],"sentiment":"neutral","sentiment_score":0.056223080042869814,"channel":0,"num_words":31,"start":3761.69,"end":3776.8584},{"sentences":[{"text":"I don't think so.","start":3776.78,"end":3777.9,"sentiment":"neutral","sentiment_score":-0.08421081863343716},{"text":"But you're you're, like, you're still not a 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day at 65, that's how can I still do that?","start":3811.1902,"end":3815.905,"sentiment":"neutral","sentiment_score":0.05083868047222495},{"text":"How does it work with your super?","start":3816.045,"end":3817.745,"sentiment":"neutral","sentiment_score":0.14903796251331056}],"sentiment":"neutral","sentiment_score":0.08072541848472926,"channel":1,"num_words":23,"start":3811.1902,"end":3817.745},{"sentences":[{"text":"Yeah.","start":3817.9001,"end":3818.3,"sentiment":"neutral","sentiment_score":0.15565446019172668},{"text":"Yeah.","start":3818.3,"end":3818.7,"sentiment":"neutral","sentiment_score":0.22725799679756165},{"text":"Absolutely.","start":3818.7,"end":3819.2,"sentiment":"positive","sentiment_score":0.341666042804718},{"text":"So just to clarify, at 65 dropping a day, is that saying that we've started that transition account, or is that just in general if you, you know, wanted to 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let you go.","start":4639.0,"end":4639.7197,"sentiment":"positive","sentiment_score":0.5238040015101433},{"text":"You have a lovely evening.","start":4639.7197,"end":4641.02,"sentiment":"positive","sentiment_score":0.74568772315979}],"sentiment":"positive","sentiment_score":0.6331888765096665,"channel":0,"num_words":10,"start":4638.6,"end":4641.02},{"sentences":[{"text":"You too, and thank you.","start":4641.36,"end":4642.9,"sentiment":"positive","sentiment_score":0.5104236245155335}],"sentiment":"positive","sentiment_score":0.5104236245155335,"channel":1,"num_words":5,"start":4641.36,"end":4642.9},{"sentences":[{"text":"No","start":4643.48,"end":4643.7197,"sentiment":"neutral","sentiment_score":0.13596534729003906}],"sentiment":"neutral","sentiment_score":0.13596534729003906,"channel":0,"num_words":1,"start":4643.48,"end":4643.7197},{"sentences":[{"text":"Okay.","start":4643.6,"end":4644.1,"sentiment":"neutral","sentiment_score":0.062114618718624115}],"sentiment":"neutral","sentiment_score":0.062114618718624115,"channel":1,"num_words":1,"start":4643.6,"end":4644.1},{"sentences":[{"text":"worries, though.","start":4643.7197,"end":4644.62,"sentiment":"neutral","sentiment_score":0.08431586995720863}],"sentiment":"neutral","sentiment_score":0.08431586995720863,"channel":0,"num_words":2,"start":4643.7197,"end":4644.62},{"sentences":[{"text":"Take","start":4644.4,"end":4644.7197,"sentiment":"neutral","sentiment_score":0.25059399008750916}],"sentiment":"neutral","sentiment_score":0.25059399008750916,"channel":1,"num_words":1,"start":4644.4,"end":4644.7197},{"sentences":[{"text":"Thanks,","start":4644.68,"end":4645.16,"sentiment":"positive","sentiment_score":0.4702497720718384}],"sentiment":"positive","sentiment_score":0.4702497720718384,"channel":0,"num_words":1,"start":4644.68,"end":4645.16},{"sentences":[{"text":"care.","start":4644.7197,"end":4645.2197,"sentiment":"positive","sentiment_score":0.4232809543609619}],"sentiment":"positive","sentiment_score":0.4232809543609619,"channel":1,"num_words":1,"start":4644.7197,"end":4645.2197},{"sentences":[{"text":"Sharon.","start":4645.16,"end":4645.66,"sentiment":"neutral","sentiment_score":0.2680371403694153},{"text":"Thank you.","start":4645.7197,"end":4646.36,"sentiment":"positive","sentiment_score":0.45057134330272675}],"sentiment":"positive","sentiment_score":0.3897266089916229,"channel":0,"num_words":3,"start":4645.16,"end":4646.36},{"sentences":[{"text":"Bye.","start":4646.08,"end":4646.58,"sentiment":"neutral","sentiment_score":0.2913753390312195}],"sentiment":"neutral","sentiment_score":0.2913753390312195,"channel":1,"num_words":1,"start":4646.08,"end":4646.58},{"sentences":[{"text":"See you later.","start":4646.36,"end":4647.08,"sentiment":"neutral","sentiment_score":0.29194751381874084}],"sentiment":"neutral","sentiment_score":0.29194751381874084,"channel":0,"num_words":3,"start":4646.36,"end":4647.08},{"sentences":[{"text":"Bye.","start":4646.7197,"end":4647.2197,"sentiment":"neutral","sentiment_score":0.1795690953731537}],"sentiment":"neutral","sentiment_score":0.1795690953731537,"channel":1,"num_words":1,"start":4646.7197,"end":4647.2197},{"sentences":[{"text":"Bye.","start":4647.08,"end":4647.58,"sentiment":"neutral","sentiment_score":-0.0012086755596101284}],"sentiment":"neutral","sentiment_score":-0.0012086755596101284,"channel":0,"num_words":1,"start":4647.08,"end":4647.58}]},"summary":{"result":"success","short":"The speaker explains the retirement process for the customer's super account, emphasizing the importance of reducing risk levels and decreasing investments in a balanced growth environment. They offer to book a meeting to update the investment portfolio and retirement goals, and emphasize the importance of protecting capital and reducing risk levels in a balanced growth environment. The speaker emphasizes the importance of finding the right adviser for each situation and cautiously reassures customers about risks in investment options. They also offer a follow-up meeting to discuss the signing of advice and emphasize the importance of finding the right adviser for each situation."},"intents":{"segments":[{"text":"I just had you booked in for a bit of a catch up in relation to the advice we provided a few months back. Is now still a good time there for you? Yep.","start_word":47,"end_word":80,"intents":[{"intent":"Schedule catch up","confidence_score":0.0014199326}]},{"text":"So we look at what your income is and what your employer So we look at what your income is and what your employer contributions are going in and then increase those contributions up to the cap as much as we possibly can.","start_word":359,"end_word":401,"intents":[{"intent":"Review income","confidence_score":0.0031787965}]},{"text":"Now because that money goes into super by way of salary sacrifice, it reduces how much you have take home pay. That's generally not preferable because it means that you end up with less money to pay all of your bills. Yes.","start_word":401,"end_word":442,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.08012136},{"intent":"Determine salary sacrifice amount","confidence_score":0.0000013918985}]},{"text":"So then we can open up a secondary account. And because you're over over 60, we're able to open up a a it's called a transition to retirement pension account. The rules of opening up this pension account are that you can only access a minimum at the moment of 4% of your balance transferred and a maximum of 10%.","start_word":443,"end_word":502,"intents":[{"intent":"Discuss pension account access","confidence_score":0.022550218}]},{"text":"And the money that comes out of that transition retirement pension is tax free because you're over the age of 60, And we don't have to take as much out as what we're putting in because the money going in is pretax.","start_word":526,"end_word":567,"intents":[{"intent":"Explain tax implications","confidence_score":0.008560958}]},{"text":"So what did you say the bit was about the salary salary because I already salary sacrificed. Yes.","start_word":801,"end_word":818,"intents":[{"intent":"Determine salary sacrifice and super benefits","confidence_score":0.00008085686}]},{"text":"Well, the super fund is only paying 15% tax. So that $100 is leaving your your wage or your employer is paying that into super before they work out your income tax.","start_word":1121,"end_word":1152,"intents":[{"intent":"Discuss super fund benefits","confidence_score":0.03142421}]},{"text":"Well, the super fund is only paying 15% tax. So that $100 is leaving your your wage or your employer is paying that into super before they work out your income tax. So you're actually not paying income tax on on your personal income tax on that $100. It's going into super and then having 15% tax taken out of it. Is this the one that you're all talk talking about doing? Yes.","start_word":1121,"end_word":1193,"intents":[{"intent":"Confirm super fund requirements","confidence_score":0.000089643705}]},{"text":"Because this advice has been provided back in May, it is, unfortunately, fully expired now, so I'll have to go back and I feel redo really it bad for because you. I asked just to send No.","start_word":1320,"end_word":1356,"intents":[{"intent":"Express dissatisfaction with adviser","confidence_score":0.000027138409}]},{"text":"I asked just to send No. me out a paperwork copy Yeah.","start_word":1351,"end_word":1362,"intents":[{"intent":"Request documents","confidence_score":0.10474018}]},{"text":"just maybe send me through your payslips again. Just send me, like, your last two payslips. I can go back through. Just double check the numbers because there could be now some discrepancy from what we presented last time.","start_word":1397,"end_word":1435,"intents":[{"intent":"Request payslips","confidence_score":0.011944031},{"intent":"Update documents","confidence_score":0.1564861}]},{"text":"We were looking at reducing your risk level as well.","start_word":1510,"end_word":1519,"intents":[{"intent":"Reduce risk level and risk levels","confidence_score":0.02692416}]},{"text":"We were looking at reducing your risk level as well. So Mhmm.","start_word":1510,"end_word":1521,"intents":[{"intent":"Reduce risk level and return","confidence_score":0.0019295058}]},{"text":"because you're protecting your capital. So in that growth portfolio you're in now, you see that 80% of your super invested in those growth assets. So think about things like Australian shares, international shares, listed property and commodities, so gold and silver. Those Yes.","start_word":1677,"end_word":1720,"intents":[{"intent":"Protect capital","confidence_score":0.41054964}]},{"text":"then increasing the increasing the defensive low risk investments by 20% as well. Yep.","start_word":1870,"end_word":1883,"intents":[{"intent":"Increase low-risk investments","confidence_score":0.0019203548},{"intent":"Explain and explain low-risk investments","confidence_score":0.006408785}]},{"text":"Does that explain a little bit? Does that make sense? Please Yes.","start_word":1957,"end_word":1968,"intents":[{"intent":"Identify and explain risk levels","confidence_score":2.4777643e-7}]},{"text":"Do you sort of still feel like reducing the risk level would be important to you, maybe altering the investments?","start_word":2011,"end_word":2030,"intents":[{"intent":"Reduce risk level","confidence_score":0.7612215}]},{"text":"Do you sort of still feel like reducing the risk level would be important to you, maybe altering the investments? Like, I know it does mean the returns are gonna be lower as well or expected to be lower. There's no guarantees you can get just as good returns in a lower risk portfolio. But the biggest thing I would wanna sort of, you know, try to avoid where possible is having you a year out from trying to in trying to access your money.","start_word":2011,"end_word":2095,"intents":[{"intent":"Avoid overdrafting and lower returns","confidence_score":8.660146e-7},{"intent":"Avoid high returns","confidence_score":0.0034470852}]},{"text":"But the biggest thing I would wanna sort of, you know, try to avoid where possible is having you a year out from trying to in trying to access your money.","start_word":2065,"end_word":2095,"intents":[{"intent":"Avoid possible market volatility","confidence_score":0.000003658259},{"intent":"Avoid incurring financial impact","confidence_score":4.2478354e-7}]},{"text":"Say, you'd be 64 or 65 and saying, hey. I wanna retire next year and to take an income, and then we see a 20 or 30% drop in the market and your super balance drops very heavily. Would that kind of make you feel really concerned? How would you feel in that instance? Yes.","start_word":2096,"end_word":2150,"intents":[{"intent":"Determine and determine optimal retirement age","confidence_score":0.00005577053}]},{"text":"If you wanted to, I could always look at going halfway and showing you what the growth portfolio you know, if we moved you from that growth portfolio now into more of a balanced growth environment. And that's only a 10% drop. That's going from 80% in those growth investments to only 70%.","start_word":2266,"end_word":2318,"intents":[{"intent":"Look at growth portfolio","confidence_score":0.018821502}]},{"text":"Also, Reduce on that risk. paperwork, I know this was back Yes. in May.","start_word":2369,"end_word":2382,"intents":[{"intent":"Reduce risk","confidence_score":0.1894507},{"intent":"Reduce risk","confidence_score":0.06572}]},{"text":"What was the recommended do you know the recommended amount that I possibly should have in there when I do retire when I do reach So that point.","start_word":2385,"end_word":2412,"intents":[{"intent":"Recommend amount","confidence_score":0.0027830782}]},{"text":"So it sort of meant that in the next two years, if the portfolio was able to achieve that return, you could end up with a 164,000 or over the next four years, a 187,000 there as well. That's recommended.","start_word":2588,"end_word":2627,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.2610681}]},{"text":"If you're in the document, if you go to page 34 for me, this is a secondary projection table. Yeah.","start_word":2964,"end_word":2983,"intents":[{"intent":"Explain projection table","confidence_score":0.00037636838}]},{"text":"If you go back up for me to page number 27, I'll show you how this was to look, and I can go back and always update the figures. That's okay.","start_word":3428,"end_word":3458,"intents":[{"intent":"Show","confidence_score":0.00002641589}]},{"text":"So what what a lot of people do at the moment is when they're still working full time, they utilize this sort of strategy as a way to put more into super, but you get the advantage of it being a bit more tax advantaged for you.","start_word":3996,"end_word":4042,"intents":[{"intent":"Understand retirement strategy","confidence_score":0.000062532825}]},{"text":"So you're putting more money into the super system to boost your retirement. But because you still have a lot of bills and expenditure, we use that transition to retirement pension account to bring some money out to keep your take home pay the same.","start_word":4044,"end_word":4088,"intents":[{"intent":"Hold super","confidence_score":0.008610292}]},{"text":"When you get to 65, if you then decide you want to replenish your income but drop hours, once you hit 65, you don't have to have the condition of release to stop working.","start_word":4107,"end_word":4140,"intents":[{"intent":"Reconnect income","confidence_score":0.0014451378}]},{"text":"5 is a condition of release regardless of whether you're working or not.","start_word":4179,"end_word":4191,"intents":[{"intent":"Provide condition of release","confidence_score":0.11234523}]},{"text":"to go, But then we can access the additional funds to say if you're earning $600 a week, and that one day means that you need to draw a $100 a week out of your pension account to keep your income the same, we can do that.","start_word":4331,"end_word":4377,"intents":[{"intent":"Access additional funds","confidence_score":0.3025354}]},{"text":"It's just coming from two two sources of income. One from Yeah. your Right.","start_word":4424,"end_word":4437,"intents":[{"intent":"Provide income","confidence_score":0.040004313}]},{"text":"Would you like me to go back and refresh the strategy to maybe reflect any changes and update that for you so we can go through it again? Or would you like to just take it a bit slower and maybe just start with, you know, reducing your risk and switching the investments?","start_word":4499,"end_word":4551,"intents":[{"intent":"Refresh strategy","confidence_score":0.79666525}]},{"text":"Would you like me to go back and refresh the strategy to maybe reflect any changes and update that for you so we can go through it again? Or would you like to just take it a bit slower and maybe just start with, you know, reducing your risk and switching the investments? How would you like to move forward?","start_word":4499,"end_word":4558,"intents":[{"intent":"Restruct strategy","confidence_score":0.0021335243}]},{"text":"Like, you said, let's cut it back 10%. Sharon.","start_word":4577,"end_word":4585,"intents":[{"intent":"Reduce risk","confidence_score":0.7091432}]},{"text":"in a couple of months, we come back and revisit that TTR strategy and sort of go through that again, or would you like me to do it as one document the That's same as with I did the both last with time? the both things in it. Yeah.","start_word":4616,"end_word":4664,"intents":[{"intent":"Review tr strategy","confidence_score":0.17871244}]},{"text":"So this advice document at the very top is about the reducing of the risk, and it's about changing your investment strategy. So that's where the different strategies Yes. come into play. So Two.","start_word":4680,"end_word":4713,"intents":[{"intent":"Get advice","confidence_score":0.15252483}]},{"text":"if I can if it's okay, if you can scroll up for me again just so I can make sure that you're fully getting it, to page number eight. Eight. Yeah.","start_word":4714,"end_word":4744,"intents":[{"intent":"Scroll up","confidence_score":0.29200593}]},{"text":"The different strategies are the different areas.","start_word":4797,"end_word":4803,"intents":[{"intent":"Discuss different strategies","confidence_score":0.0015195498}]},{"text":"So the first strategy where it says, Sharon, retain your Netwealth Superfund and change your underlying investments. That strategy there, when you go down and read the strategy through, it's about retaining your Netwealth Superfund, changing your underlying investment. So we're reducing your risk from that growth portfolio to the balanced portfolio.","start_word":4805,"end_word":4856,"intents":[{"intent":"Manage investments and portfolios","confidence_score":0.00003234297},{"intent":"Manage portfolio portfolios","confidence_score":0.0021267172}]},{"text":"And because we to do that, we actually have to switch your investments. We have to sell some, buy some other ones. We also did find that in your portfolio, there was some underperforming investments. So we want kinda wanted to switch those out and change the portfolio Yep.","start_word":4856,"end_word":4904,"intents":[{"intent":"Assist with portfolio switching strategies","confidence_score":1.404084e-7}]},{"text":"We also did find that in your portfolio, there was some underperforming investments. So we want kinda wanted to switch those out and change the portfolio Yep.","start_word":4878,"end_word":4904,"intents":[{"intent":"Identify risks and weaknesses","confidence_score":0.00001112641}]},{"text":"So the heading on this one is the investment. So in order to move you and change your risk level in your portfolio, we actually have to buy and sell investments so that you're when we complete the investment switch, you're in a lower risk portfolio, but you hold the weighting that you need to have. So in Mhmm.","start_word":5049,"end_word":5107,"intents":[{"intent":"Manage portfolio weighting","confidence_score":0.11136032}]},{"text":"hold in the balanced portfolio, we wanna hold 10% of that investment. That's the second last column, the target weight. So in order to get you to 10%, we would need to buy, and you'll see the green column. Mhmm.","start_word":5177,"end_word":5216,"intents":[{"intent":"Acquire portfolio weight","confidence_score":0.0012560955}]},{"text":"You had basically, when we look at a weighting target, we just wanna make sure you have the right percentage of that investment. And when we buy and sell, we have to work out what percentage you need to hold, but then we actually tell Hub twenty four or Netwealth how much as a dollar figure needs to be bought or sold to keep Mhmm.","start_word":5549,"end_word":5613,"intents":[{"intent":"Calculate investment percentage","confidence_score":0.00031849268}]},{"text":"you had, say, 200,000 in your super funds and you're in that balanced or balanced growth environment, the ups and downs are less likely to be drastic than someone who's Mhmm. taking on more of a high growth or an aggressive risk profile, and they're a 100% invested in those shares, they're gonna feel that up and down way more drastically than you would in that balance to balance growth portfolio. Does Yep.","start_word":5994,"end_word":6066,"intents":[{"intent":"Maximize volatility","confidence_score":0.00001854387}]},{"text":"So if I just double check your file to see when your annual review is due, because I could work it so it coincides that way. So any review is due around about July. Perfect.","start_word":6210,"end_word":6244,"intents":[{"intent":"Schedule investment review","confidence_score":0.05224738}]},{"text":"So what I'll do, if you're okay with it, can I book you in in maybe, I reckon, a week's time just to update this investment portfolio for you? Are you Yep.","start_word":6351,"end_word":6382,"intents":[{"intent":"Update investment portfolio","confidence_score":0.098697975}]},{"text":"So I'll put it in there for 10AM, and we will present the updated statement of advice, Ten. and we'll do So an investment do you switch. you'd send that through an Yep. email, don't you?","start_word":6448,"end_word":6483,"intents":[{"intent":"Send statement of advice","confidence_score":0.51424557}]},{"text":"Well, I've booked that one in for you for next Thursday morning, which is the August 20 at 10AM.","start_word":6640,"end_word":6658,"intents":[{"intent":"Schedule appointment","confidence_score":0.09366768}]},{"text":"I will have the advice document in the Odoo sign.","start_word":6659,"end_word":6668,"intents":[{"intent":"Provide advice document","confidence_score":0.025814343}]},{"text":"We can talk about what's happening on each of the pages.","start_word":6701,"end_word":6711,"intents":[{"intent":"Discuss pages","confidence_score":0.0058525573}]},{"text":"So that last one that last one that you that you emailed me, what should I delete that one?","start_word":6778,"end_word":6796,"intents":[{"intent":"Delete link","confidence_score":0.27587634}]},{"text":"So when we work it out, we look at your payslip and work out what your take home pay is, what you already have coming out of your account, and work it around that.","start_word":6916,"end_word":6949,"intents":[{"intent":"Evaluate pay balance","confidence_score":0.00052663195}]},{"text":"because because I'm already sacrificing salary sacrificing. So I do, like, a normal one, which is 600 and something dollars. And then they do a regional one, which you claim another week's rent on. And, Yeah. like, I'm salary sacrificing nearly nearly $1,000 a fortnight, and I only pay, like, a $166 a fortnight's Wow.","start_word":7015,"end_word":7069,"intents":[{"intent":"Evaluate pay flexibility","confidence_score":0.004215012}]},{"text":"Just sort of tracking now, we were talking about being able to access super and do, you know, drop days at about age 65, but you're still wanting to fully retire around age 67.","start_word":7543,"end_word":7576,"intents":[{"intent":"Plan retirement","confidence_score":0.03355843}]},{"text":"I've got down here that you were originally hoping to draw about $1,100 per week from both super and the age pension to survive Mhmm. from Yep. age 67. Does that feel still appropriate? Yeah.","start_word":7664,"end_word":7698,"intents":[{"intent":"Review retirement benefits","confidence_score":0.00025253248}]},{"text":"Most of the time, realistically, what we wanna keep insurances for is for if we pass away or something happens to us whilst we have debts, that the insurance provides that level of cover. So most people will have life cover so that if they pass away, their mortgage can be fully paid off, their cars credit cards and things can be fully paid off, and then the benefit gets paid to their beneficiaries, Mhmm.","start_word":8032,"end_word":8106,"intents":[{"intent":"Keep insurances","confidence_score":0.5962259},{"intent":"Protect debts","confidence_score":0.000496757}]},{"text":"I've also got in place I've got to follow that through this week too. My will's in the process of being done. So I had to do Oh, that to cover I had to have that in place yes. for some reason.","start_word":8252,"end_word":8293,"intents":[{"intent":"Follow process","confidence_score":0.06607036}]},{"text":"Your goal was that in the event you were passing away, you wanted to have your super and life insurance directed to your will so it could be distributed to your adult children. Yes.","start_word":8368,"end_word":8401,"intents":[{"intent":"Manage super and life insurance arrangements","confidence_score":0.000005805466}]},{"text":"I've gotta Perfect. pull that that 34,000 will eventually transfer into this new account, but I've also gotta transfer at some over my everyday account to that account as well.","start_word":9027,"end_word":9056,"intents":[{"intent":"Organize account transfer","confidence_score":0.00006664282}]},{"text":"I've Maybe also that money, like, if I yeah. didn't need to use it, that money, I could transfer that straight over to my super.","start_word":9547,"end_word":9571,"intents":[{"intent":"Transfer money to super","confidence_score":0.10399892}]},{"text":"And then just down the track, we can talk more about what your goals are with that money, whether you do wanna look at adding your industry. But does that sound Yeah.","start_word":9635,"end_word":9666,"intents":[{"intent":"Discuss goals and tr account","confidence_score":0.14869216}]},{"text":"we just do it in smaller increments, we do the investments now, then we can come back and talk about your savings and the TTR side of things, and we Okay.","start_word":9746,"end_word":9776,"intents":[{"intent":"Discuss savings and tr account","confidence_score":0.33311188}]},{"text":"And then I've also got you have an investment account, a Premier Investment account, I believe. That's It right.","start_word":9838,"end_word":9856,"intents":[{"intent":"Update investment account","confidence_score":0.17392766}]},{"text":"And there are just so you are aware, there are other ways that you can invest for grandkids. We do have access to, like, investment accounts, investment bonds, and things where you can have the money invested for for them for the future where when that gets handed to them, they get the money tax free. So Oh, do they?","start_word":9899,"end_word":9958,"intents":[{"intent":"Provide investment funds","confidence_score":0.0009181082},{"intent":"Use investment account for investments","confidence_score":0.00035393817},{"intent":"Discuss additional investment options","confidence_score":0.000056258796},{"intent":"Discuss future investments","confidence_score":0.0014360469}]},{"text":"That's exciting. Oh, it's so exciting. It's we're all so Oh, excited. It's amazing. absolutely.","start_word":10078,"end_word":10092,"intents":[{"intent":"Evaluate excitement","confidence_score":0.00041290512}]},{"text":"It's amazing. absolutely. And she's so beautiful about it. Like, when she told me she it was only for a week ago. She said, you know, mom, some people be cursing having twins. She said, but you know what? I am so excited. She said, I Yeah. just can't wait to be a mother of twins. Yeah.","start_word":10090,"end_word":10146,"intents":[{"intent":"Express excitement about twins","confidence_score":0.098407306}]},{"text":"But you can invest in different investment accounts and bonds for for kids to be passed down to grandchildren later in life, you know, ten, fifteen, twenty years down the track. Yep.","start_word":10212,"end_word":10243,"intents":[{"intent":"Discuss investment accounts and bonds","confidence_score":0.025140159}]},{"text":"The only other thing to sort of look at is your income. Have you done your tax return for this last I've financial got it. I've year got to at get all? I was gonna do that.","start_word":10377,"end_word":10413,"intents":[{"intent":"Discuss income","confidence_score":0.24324381}]},{"text":"Have you done your tax return for this last I've financial got it. I've year got to at get all? I was gonna do that.","start_word":10389,"end_word":10413,"intents":[{"intent":"Discuss tax return","confidence_score":0.09986389}]},{"text":"And savings wise, are you managing out of your income to put much in the way of savings aside, or is all of your incomes going to all of your income kinda going towards your expenses?","start_word":10524,"end_word":10559,"intents":[{"intent":"Assess income allocation and reassess planning","confidence_score":1.8219543e-8}]},{"text":"But I don't know whether they actually keep I don't know. I must find out whether this regional benefit thing is, like, a permanent thing or is only for I don't know.","start_word":10822,"end_word":10853,"intents":[{"intent":"Find out regional benefit arrangement","confidence_score":0.0007884266}]},{"text":"I have to find out whether it was, like, What's just it a twelve called? month thing. I I can I have don't know. a look for you. Regional benefits. Let's have a look and see what we can find. Did they tell you that it was due to being in a regional area? Yep.","start_word":10855,"end_word":10909,"intents":[{"intent":"Find out regional benefits","confidence_score":0.23473498}]},{"text":"Regional benefits. Let's have a look and see what we can find. Did they tell you that it was due to being in a regional area? Yep.","start_word":10882,"end_word":10908,"intents":[{"intent":"Find regional benefits","confidence_score":0.16269462}]},{"text":"what's the name of the the salary packaging company that you do it through? Easyway.","start_word":10915,"end_word":10929,"intents":[{"intent":"Provide salary packaging information","confidence_score":0.12464355},{"intent":"Understand salary definitions","confidence_score":0.002033008}]},{"text":"incredibly It's got amount to do with that you the a can salary c sacrifice.","start_word":10976,"end_word":10990,"intents":[{"intent":"Evaluate salary deductions in salary sacrifice","confidence_score":1.958974e-8}]},{"text":"So what I would probably look to do with your TTR strategy is look at what your your total income is, and then we break down what you've got coming out of that. So your salary packaging arrangements are deducted from that. So for your rent and then the salary packaging arrangement onto the card is then deducted from that, and that tells us how much your take your taxable income is or how much income you pay tax on. And Yes.","start_word":11103,"end_word":11184,"intents":[{"intent":"Determine total income","confidence_score":0.013407912}]},{"text":"So what we wanna do with looking at your salary packaging is look at your we'll work at your total taxable income, which we had noted as $65,001.01 5. Then we subtract from that your salary packaging. And then also from that again, subtract what your salary packaging onto your card, so your rent plus your card. And then anything after that is what your employer pays tax on. So that becomes your Yes.","start_word":11238,"end_word":11311,"intents":[{"intent":"Understand salary package structure and structure","confidence_score":0.0000012584078}]},{"text":"how we would work out your salary sacrifice and your in and the pension drawdown, that transition pension drawdown Yes.","start_word":11430,"end_word":11449,"intents":[{"intent":"Work out salary sacrifice and pension drawdown","confidence_score":0.12060156}]},{"text":"how we would work out your salary sacrifice and your in and the pension drawdown, that transition pension drawdown Yes. around your salary packaging arrangement, essentially. Does that make sense? Yes. Yeah. It does. It does. Yeah. Yes. There's a lot to it, and I'm very sorry. I hope this has clarified things. Is there It more it questions has it that have has come out a lot of it? more.","start_word":11430,"end_word":11500,"intents":[{"intent":"Answer questions about pension drawdown and transition pension drawdown","confidence_score":0.00052521634}]},{"text":"Let's do the reduction of risk, and we'll do the investment switching first. Yes.","start_word":11577,"end_word":11590,"intents":[{"intent":"Discuss investment switching","confidence_score":0.117123164}]},{"text":"And then we'll come back later and do that transition to retirement strategy and look at what we can do there and how that works based on your income at the time. Does that sound okay? Yeah.","start_word":11592,"end_word":11628,"intents":[{"intent":"Clarify transition strategy","confidence_score":0.075925805}]},{"text":"If you're still salary packaging, we'll try to deduct that out, and we still wanna look at your taxable income.","start_word":11834,"end_word":11853,"intents":[{"intent":"Deduct salary","confidence_score":0.11001092}]},{"text":"So we wanna know what your your taxable income is that your your employer is paying tax on. We then work Right.","start_word":11854,"end_word":11875,"intents":[{"intent":"Calculate taxable income","confidence_score":0.2751709}]},{"text":"So we'd essentially look at your hourly rate versus sixty four hours per fortnight.","start_word":11923,"end_word":11936,"intents":[{"intent":"Determine hourly rate","confidence_score":0.12899038}]},{"text":"And then if you were to drop one day per week and say that went to sixty, say, sixty, fifty eight hours per fortnight, give or take, we would then do the same math and work out your hourly rate versus, say, fifty eight hours per fortnight and work out the difference. The difference Right.","start_word":11938,"end_word":11992,"intents":[{"intent":"Work out differences","confidence_score":0.0045816363}]},{"text":"There's lots of different things that we can do, lots of different options that we can help you with. It's just about breaking it down so that you understand what we're doing, how we're doing it, Okay.","start_word":12146,"end_word":12182,"intents":[{"intent":"Understand work process","confidence_score":0.0021643974}]},{"text":"I can clarify things as as regularly as you need me to just to make sure that you're understanding what we're doing and how we're doing it, why we're doing it, and how it affects you. Yep.","start_word":12322,"end_word":12358,"intents":[{"intent":"Ensure understanding","confidence_score":0.00041857798}]},{"text":"essentially, if with an industry fund that they're just a vehicle, the biggest thing to think about a super fund is it's a vehicle. So think of it like your car. You put your you get into your car, but without fuel, you don't go anywhere. Your Yes.","start_word":12446,"end_word":12493,"intents":[{"intent":"Explain investment philosophy","confidence_score":0.000024970906}]},{"text":"a lot more investment options to choose from, so we can make alterations to your portfolio.","start_word":12645,"end_word":12660,"intents":[{"intent":"Clarify investment options","confidence_score":0.047143325},{"intent":"Explore options","confidence_score":0.00047798138},{"intent":"Discuss portfolio changes","confidence_score":0.027377577}]},{"text":"We're reviewing your portfolio, your performance. We're helping you with the TTR strategy. If you go to them, they'll say, well, you can only do 10%, and you'll have to do all the math to work out how much you move, where you're invested, what you're doing.","start_word":12790,"end_word":12836,"intents":[{"intent":"Manage portfolios","confidence_score":0.014477658}]},{"text":"Out of those three options, where do you think you might fit, Well, I don't know. I think I'd be cautious, but I said I've gotta put my money into something more secure. Sharon?","start_word":13213,"end_word":13246,"intents":[{"intent":"Evaluate future options","confidence_score":0.00041299613}]},{"text":"So with that, you have scored as more of a moderate investor. So it does sort of see that balanced portfolio that we were sort of looking at before, but we can absolutely go balanced growth. It is one above.","start_word":13717,"end_word":13756,"intents":[{"intent":"Analyze super investment portfolio","confidence_score":0.008743711}]},{"text":"So think about Australian shares, international shares, some gold and silver, and some property. And then Yes. the other are generally 30% in defensive lower risk investments, like cash, bonds, and fixed interest.","start_word":13782,"end_word":13814,"intents":[{"intent":"Explaining investment options","confidence_score":0.0018104552}]},{"text":"With the portfolio you're in now, the average likelihood of a negative return is one in every five years. So we're reducing the risk level. We're reducing the likelihood of a negative return a little bit as well and trying to create a bit more stability to your portfolio.","start_word":13980,"end_word":14028,"intents":[{"intent":"Discussing portfolio stability","confidence_score":0.1148011}]},{"text":"I don't think so. No. No?","start_word":14061,"end_word":14066,"intents":[{"intent":"Expressing uncertainty","confidence_score":0.0013126244}]},{"text":"you want me to get someone to also post you out a hard copy as well? It won't be there by next Thursday, but it will come a few days after. Did you still want someone to post a hard copy for you?","start_word":14100,"end_word":14142,"intents":[{"intent":"Requesting hard copy","confidence_score":0.055934582}]},{"text":"That'll be great. Yep. Fantastic.","start_word":14145,"end_word":14149,"intents":[{"intent":"Expressing gratitude","confidence_score":0.0311061}]},{"text":"I can get someone to one of my team to give you a call maybe a week or two after we've gone through it, and they can help you with the signing of that if you would like. Does Yeah.","start_word":14236,"end_word":14275,"intents":[{"intent":"Schedule call","confidence_score":0.08017715}]}]},"sentiments":{"segments":[{"text":"Hello? Oh, hi, Sharon. It's Dana from Oceania Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1421010047197342},{"text":"I'm very well. Thank you.","start_word":14,"end_word":18,"sentiment":"positive","sentiment_score":0.4543671011924744},{"text":"Can you hear me okay? Yeah. I can hear you perfectly fine. Can you hear I can. I can for sure. alright? Yep.","start_word":19,"end_word":41,"sentiment":"neutral","sentiment_score":0.09828615188598631},{"text":"Fantastic. Definitely. All good, Sharon.","start_word":42,"end_word":46,"sentiment":"positive","sentiment_score":0.5177871584892273},{"text":"I just had you booked in for a bit of a catch up in relation to the advice we provided a few months back. Is now still a good time there for you? Yep. That's fine.","start_word":47,"end_word":82,"sentiment":"neutral","sentiment_score":0.209004208445549},{"text":"Totally fine. Fantastic.","start_word":83,"end_word":85,"sentiment":"positive","sentiment_score":0.3992019593715668},{"text":"Before I jump into the call, I just have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Definitely. That's fine. Yep.","start_word":86,"end_word":122,"sentiment":"neutral","sentiment_score":0.17662690579891205},{"text":"Fantastic.","start_word":123,"end_word":123,"sentiment":"positive","sentiment_score":0.4157719314098358},{"text":"And then, also, just to do a really quick security check there with you, just to confirm your full name, your date of birth, and address I should have on file. Sharon Joy Carey, second of the Yeah. third nineteen sixty three, and I reside at 1 Slash 11 Johnson Street, Stanthorpe, Queensland 4380.","start_word":124,"end_word":177,"sentiment":"neutral","sentiment_score":0.10234680771827698},{"text":"Fantastic. Beautiful. Thank you so much for that, Sharon.","start_word":178,"end_word":186,"sentiment":"positive","sentiment_score":0.5272232294082642},{"text":"So just as with the the cat test today, one of the things that was sort of made mention was that you seemed pretty happy with most of the advice there. The main sort of aspect was that trans transition to retirement strategy you weren't weren't sure if you wanted to go ahead with. Does Yep. that sound about right? Yeah. That was that. But I yeah. I I just yeah. I don't know. I'm well, I didn't fully understand. I don't know. I'm not quite with it with that. I'm not sure. Yes. Yep. That's okay. So the way a transition retirement strategy works is that, essentially, at the moment, you've got your super account, and your super is sitting in what's called an accumulation phase. Essentially, to have this TTR strategy as it's called shortly, we look to increase your contributions in the super as much as we possibly cap can up to the concessional cap to say as an example, the concessional cap is 32,500 this financial year. So we look at what your income is and what your employer So we look at what your income is and what your employer contributions are going in and then increase those contributions up to the cap as much as we possibly can. Now because that money goes into super by way of salary sacrifice, it reduces how much you have take home pay. That's generally not preferable because it means that you end up with less money to pay all of your bills. Yes. So then we can open up a secondary account. And because you're over over 60, we're able to open up a a it's called a transition to retirement pension account. The rules of opening up this pension account are that you can only access a minimum at the moment of 4% of your balance transferred and a maximum of 10%.","start_word":187,"end_word":502,"sentiment":"neutral","sentiment_score":0.04337553978054725},{"text":"And so because we're putting more money into super by way of salary sacrifice, we're also drawing some out to replenish your income. And the money that comes out of that transition retirement pension is tax free because you're over the age of 60, And we don't have to take as much out as what we're putting in because the money going in is pretax. Essentially, it keeps your take home pay exactly the same.","start_word":503,"end_word":577,"sentiment":"positive","sentiment_score":0.3709331452846527},{"text":"You pay less tax because you're putting more money in the super from your pretax income, and your take home pay isn't effective because you're getting your income from your employer plus this money out of your super out of this pension account to supplement your income. Does So that that make gets a little put bit more sense? back so that Yes. gets put back into my account. That's correct. It goes into your bank account from this secondary pension account. Yeah. Right. So how does that affect oh, I don't pay any tax on that, do I? No. You don't because you're over 60. Yeah. Okay. And, like, how long did you say it'd take to get into my account? Like, just the next day or something? Very quickly. Yeah. Correct. So this salary sacrifice happens with your employer. When we set up the transition time and pension account, we allocate when you want those pension payments to be made. So say if you get paid on a Wednesday once every fortnight, we can have that payment so it's drawn down on that same Wednesday so it hits your account the same day as your income or the next day.","start_word":578,"end_word":779,"sentiment":"neutral","sentiment_score":0.1555537260552444},{"text":"We actually get a lot of control as to when the, those funds are expected to hit your bank account.","start_word":780,"end_word":799,"sentiment":"positive","sentiment_score":0.5009780526161194},{"text":"Right. So what did you say the bit was about the salary salary because I already salary sacrificed. Yes. So with your salary sacrifice, are you salary sacrificing in the super, or are you paying bills or having money moved into different areas? How how does your salary Well, sacrifice what work? happens is my salary sacrificing money so Mhmm. I get paid less my salary sacrificing money. On the Wednesday night, I'll pay those in. Then the next day, my salary sacrificing money comes back into my account, which stays there until I think it's the next four the next week or so that I pay my rent so that I'd use Mhmm. that for my rent, and I get a certain amount on a card. And Right. I So pay what you're I I yeah. pay bills Sorry. off with that and stuff like that, and that's like, if I need any if I need to go for dinner or anything like that, that's on that card. Yep. So Yep. That's okay. So what you're essentially doing is called salary packaging. So you're packaging yeah. your money or having your money moved from your pretax income onto this card so you can pay your bills, and that money is moved out pretax. And the same thing with your rent. Your rent is being paid pretax. Salary sacrifice by putting more money into super works basically the same way. It's like a 100 doll if you are doing, say, a $100 salary sacrifice into super, that $100 is taken out of your income before your income tax is paid, and Yes. it's put into super. So instead of if you're in a 30% tax bracket, 30% of a $100, if that $100 went into your pay and into your bank account, you would pay 30% tax on that money. By putting it into super, you're only paying 15% tax. Well, the super fund is only paying 15% tax. So that $100 is leaving your your wage or your employer is paying that into super before they work out your income tax. So you're actually not paying income tax on on your personal income tax on that $100. It's going into super and then having 15% tax taken out of it. Is this the one that you're all talk talking about doing? Yes. Yes. Yeah. Right. Yeah. So it is a different sort of salary sacrifice.","start_word":800,"end_word":1205,"sentiment":"neutral","sentiment_score":0.07425637761580534},{"text":"It is money going out of your income and into super, and it helps to boost your super, helps to, you know, make sure you've got more money invested in super working towards your retirement aspect.","start_word":1206,"end_word":1241,"sentiment":"positive","sentiment_score":0.4092588126659394},{"text":"Yeah. So if I start, it's when would be a good time to start it, like, Generally, look, ASAP? preferably, you wanna yeah. Preferably, you'd kinda wanna do it around about tax time. But because it is hard to kinda get every TTR plan done in time and sort of start everything around that time, there's no there's no real, you know, best or worst start time. As soon as possible is generally the best way to go.","start_word":1242,"end_word":1319,"sentiment":"neutral","sentiment_score":0.026682177558541294},{"text":"Because this advice has been provided back in May, it is, unfortunately, fully expired now, so I'll have to go back and I feel redo really it bad for because you.","start_word":1320,"end_word":1350,"sentiment":"negative","sentiment_score":-0.44042080640792847},{"text":"I asked just to send No. me out a paperwork copy Yeah. of that, and I I feel really That's bad. I just had okay. so much going Don't. on. I just yeah. That's Yeah. honestly fine. Not a problem at all. If you can Yep. just maybe send me through your payslips again. Just send me, like, your last two payslips. I can go back through. Just double check the numbers because there could be now some discrepancy from what we presented last time. Oh, you because We we've had can a go pay rise since then too.","start_word":1351,"end_word":1449,"sentiment":"neutral","sentiment_score":-0.03631773591041565},{"text":"perfect.","start_word":1450,"end_word":1450,"sentiment":"positive","sentiment_score":0.43477416038513184},{"text":"So we can go back and just double check the numbers against the TTR strategy for you. I can update the document and send it through. Alternatively, if you don't wanna do that, you can just go forward. I can just So do, like, an investment switch because the other part of the plan was to alter your investments. We were looking at reducing your risk level as well. So Mhmm. at the moment, having a look sorry. At the moment, you're in more of that growth environment. And because you are generally about sort of four to five years out from wanting to access your funds and starting to retire, we also talked about reducing your risk level in the market. So, you know, altering your investments, reducing So risk that's in not the gonna be earning this that's not gonna be earning the same as it was. Is market. that right? As one of the biggest things, when you are reducing risk, you are reducing the expected returns that come out of the portfolio. In Yes. saying Yes.","start_word":1451,"end_word":1630,"sentiment":"neutral","sentiment_score":0.060093123093247415},{"text":"that, some some lower risk portfolios have really great years, and you can get still get a ten, fifteen, or 20% return. But, yes, the idea is when you are reducing risk, you are reducing the expected returns that you are getting, and that is Yes.","start_word":1631,"end_word":1676,"sentiment":"positive","sentiment_score":0.35663190484046936},{"text":"because you're protecting your capital. So in that growth portfolio you're in now, you see that 80% of your super invested in those growth assets. So think about things like Australian shares, international shares, listed property and commodities, so gold and silver. Those Yes. sorts of investments go up and down quite drastically. And when you have a down time, you feel that more drastically. Yeah. Of That course. growth portfolio the growth environment normally suits someone who has at least six years before accessing their money. Because if you think back to the GFC in the, you know, early to mid two thousand, 2007, 2008, a lot of people were about to retire, and then the GFC came out of nowhere, and the market dropped near 60% in a day. And, essentially, a lot of people saw their super balance fall very, very heavily. Yep. Being in that balanced environment, which is where we wanted to move you into, reduces your risk level or reduces your exposure into those growth assets from 80% to 60%. So you're dropping Yeah. down about 20 Twenty in the percent. high risk category and Yep. then increasing the increasing the defensive low risk investments by 20% as well. Yep. Essentially, your low risk investments are seen as cash, bonds, fixed interest.","start_word":1677,"end_word":1894,"sentiment":"neutral","sentiment_score":-0.009527815591304674},{"text":"They're cash producing.","start_word":1895,"end_word":1897,"sentiment":"positive","sentiment_score":0.3879258632659912},{"text":"Because when Yes. you're in those retirement years, we wanna have investments that are producing cash.","start_word":1898,"end_word":1913,"sentiment":"neutral","sentiment_score":0.28663575649261475},{"text":"So paying cash that goes into your cash account in your super fund. So when you're drawing down income, that cash will help to cover the income so you don't have to sell as many investments. It's yeah.","start_word":1914,"end_word":1951,"sentiment":"positive","sentiment_score":0.3568211793899536},{"text":"Right. Does that help? Yep. Does that explain a little bit? Does that make sense? Please Yes. let Sorta me know. kinda. Yeah. The the the the the like like, it's withdrawn from my super that little bit that I was a bit confused with. Yeah. It certainly helped. It Yeah. explained a lot. Yeah. So yeah. That's okay. Do you sort of still feel like reducing the risk level would be important to you, maybe altering the investments? Like, I know it does mean the returns are gonna be lower as well or expected to be lower. There's no guarantees you can get just as good returns in a lower risk portfolio. But the biggest thing I would wanna sort of, you know, try to avoid where possible is having you a year out from trying to in trying to access your money. Say, you'd be 64 or 65 and saying, hey. I wanna retire next year and to take an income, and then we see a 20 or 30% drop in the market and your super balance drops very heavily.","start_word":1952,"end_word":2133,"sentiment":"neutral","sentiment_score":-0.0830574780702591},{"text":"Would that kind of make you feel really concerned?","start_word":2134,"end_word":2142,"sentiment":"negative","sentiment_score":-0.4531932473182678},{"text":"How would you feel in that instance? Yes. It it would, actually. Yes. Yeah. So reducing the risk level now, and we like to do it a little bit out from when you run or retire. So we do things in increments. We would normally start to do it in more in more slower increments, like 10% increments, but we're doing it a bit Yeah. more drastically Yep. because you're only sort of four years out from retirement at the worst case. So with what you sort of mentioned you wanted to when you wanted to retire and start working, so being able to drop from that gross to balance is probably a little bit more drastic than what we would normally expect. If you wanted to, I could always look at going halfway and showing you what the growth portfolio you know, if we moved you from that growth portfolio now into more of a balanced growth environment. And that's only a 10% drop. That's going from 80% in those growth investments to only 70%. And we can look at this incrementally moving it down each year if you would like to. Why don't we do that? Why don't we do Yeah. that? Yeah. Yeah. Yeah.","start_word":2143,"end_word":2349,"sentiment":"neutral","sentiment_score":-0.08333348164307898},{"text":"Absolutely. Not a problem. So more of that balanced growth environment for the new advice piece?","start_word":2350,"end_word":2365,"sentiment":"positive","sentiment_score":0.4139916598796845},{"text":"Sure Yep. can. Also, Reduce on that risk. paperwork, I know this was back Yes. in May. That's okay. What was the recommended do you know the recommended amount that I possibly should have in there when I do retire when I do reach So that point. with yeah. Absolutely. So when we have a look at the the projected outcome, we looked at age 65 and 67, and we were looking at Was it because a 100 your and 70 balance five? yes. So in your current portfolio in the growth environment, in the next two years, the projected outcome was to be a 175. Mhmm. I've With got that reducing right here your in front risk of me. yeah. So with Yep. reducing risk, are you looking at the document on page 21 there? Yep. Yeah. Yep.","start_word":2366,"end_word":2504,"sentiment":"neutral","sentiment_score":0.04406138509511947},{"text":"Beautiful.","start_word":2505,"end_word":2505,"sentiment":"positive","sentiment_score":0.5394655466079712},{"text":"If you have a look, so the current column of that projection table is basically if you were to stay in your current portfolio with the current balance, and it was to obtain that 11.24% over the next two to four years below that, that's the projected outcome of where you could end up. With the recommended, we were moving into a balanced portfolio, so reducing your risk level. It's The a balanced 100 and portfolio 64. had averaged about 9.73%.","start_word":2506,"end_word":2586,"sentiment":"neutral","sentiment_score":0.15702219307422638},{"text":"So it sort of meant that in the next two years, if the portfolio was able to achieve that return, you could end up with a 164,000 or over the next four years, a 187,000 there as well. That's recommended.","start_word":2587,"end_word":2626,"sentiment":"positive","sentiment_score":0.4267992377281189},{"text":"But currently, so currently, Yep. for us to leave it the same, Mhmm. that's is that is that what that means? So that's what like, the If 100 you were to and 70 leave it five. the same, yeah, if you were to leave it the same, that's where you could end up. That's in the higher risk portfolio, obviously, hoping to get the greater returns. There's no guarantees that you will get 11%. So a projection table is just projected on where you could be in the next two to four years if you got the same market conditions, if we could get the same return. The biggest thing with projection tables is that when we look at investments and returns, we have to use past data. But past data doesn't mean that you're going to get the same return over the next couple of years. It just sort of shows us what investments have or how they have performed, what investments have done well over the past, and when we look the volatility. So when we look at the last five years, what kind of market ups and downs have we seen? Because we have seen a lot of ups and downs Oh, over ups the past and downs. couple of Definitely. years. Yeah. Yes. And so if a portfolio can go through the last five years and still average 11% return, then moving forward, depending on what kind of ups and downs we see, that Yep. portfolio can still obtain that same return. Not guaranteed to, but could. So that's how we utilize past data to look at returns, hoping to make sure it reflects the future. We're hoping that it reflects the future, but it's not always guaranteed. So we like to sort of say projection tables are just where you're tracking based on the information we have from the past. If the portfolio was able to get the same returns as what it has, this is where you could end up. If you're in the document, if you go to page 34 for me, this is a secondary projection table. Yeah.","start_word":2627,"end_word":2982,"sentiment":"neutral","sentiment_score":0.05949655692145396},{"text":"It's a bit bit it's really hard decision Yeah.","start_word":2983,"end_word":2991,"sentiment":"negative","sentiment_score":-0.375911146402359},{"text":"to make, isn't it? It is. It's okay. We can always do it slower if you wanted to. I could always look at just doing the investment switch first, and then we come back and look at the TTR down the track if you would like to. So do the investment switch. Yep. Yep. Yep. Which is The the other side you're right. so the other so the investment switch when you say the investment switch, that was the Well, that's that's reducing your risk level and changing the investments. yeah. But we could you said Yeah. we could do that start out at, like, 10% or something. Yeah. So we're reducing your risk to 10%. So we're going from the growth environment that you're in now, which is 80% in those high risk investments, to the balanced growth environment. So we're stepping down one step and having 70% there. But that's what it's called. It's called an investment switch because we have to change the investments within your portfolio so that they are in that level. Yeah. Right. Okay. Yep. Yeah. Now okay. I'm on page 34.","start_word":2992,"end_word":3179,"sentiment":"neutral","sentiment_score":0.08310558646917343},{"text":"Could you is that Beautiful.","start_word":3180,"end_word":3184,"sentiment":"positive","sentiment_score":0.33661195635795593},{"text":"you looking at the table down the bottom? Yeah. So this is a secondary projection table, and this was in there under that transition retirement strategy. So remember we talked about going through the investment changes, reducing your risk level, moving you into that balanced portfolio, and then we went through that difference in the transition retirement strategy where you're putting more money into your super funds and drawing a little bit out to replenish your income. This table shows you if you were to follow that strategy and still get that 9.73% from, say, the five last five well, that balanced portfolio because we've been able to perform that 9.73 over the past five years averaged. The recommended underneath that shows that in the next two to four years, you could end up with a 170,000 or a Mhmm. 197,000.","start_word":3185,"end_word":3325,"sentiment":"neutral","sentiment_score":0.22895479202270508},{"text":"So that TTR strategy by putting more money into super whilst you are drawing a little bit out to replenish your income, it means that you've got more money in that super system. So it closes the gap a little bit that was created by reducing the risk level.","start_word":3326,"end_word":3374,"sentiment":"positive","sentiment_score":0.4282073676586151},{"text":"Yeah. Right. It does, doesn't it? Yeah. Yep. Yeah. Yep. So yeah. Okay. So but I don't lose out of my pay, though, do I? It's still the same. That's correct. Yeah. So if you go up for me sorry. I'll I'm just 30 take four. you back to yeah. No. That's okay. If you go back up for me to page number 27, I'll show you how this was to look, and I can go back and always update the figures. That's okay. On page But 27. Okay. Yep. yes. So based on your income of 65,115, Yep. Yep. Currently, you've got no salary sacrifice going into super. You've got money going elsewhere, but nothing going into super. So it's just your employer contributions. Under your Yep. current scenario, your salary is 65,115 with no current salary sacrifice in the super. With Mhmm. five. Then you pay income tax. So within the tax bracket, say, 30% tax bracket, you're also paying income tax. The estimated income tax on income tax. The estimated Mhmm. income tax on your income is 11,601 for the year. That then means your net income, so your take home pay after income tax is 50 Yes. $3,006.04. Yes. Yes. The way a TTR strategy works is that you start with your proposed on the proposed side there, $65,001.01 5, then we increase your salary sacrifice. So for the year, it's 20,200, and that pay per week is $388.46. Yes. That then reduces your your gross pay because salary sacrifice, that money goes into super from your pre tax income. That then reduces your taxable income, this is gross, to 44,915. Then your employer pays income tax on that. They only pay income tax at 4,843. That reduces your net income down to $40,072. And because your take home pay should be $53,005.01 4, we then just draw a little bit out of super. So we draw $13,004.04 1 out to bring your take home pay back up to about the same. Right. Okay. Yep.","start_word":3375,"end_word":3713,"sentiment":"neutral","sentiment_score":0.11387619802557963},{"text":"So that with pension withdrawal is how much comes out of the super system to be able to replenish your income.","start_word":3714,"end_word":3734,"sentiment":"positive","sentiment_score":0.3335285186767578},{"text":"Right. So Yes. when I am to retire, does Yep. that all go just back into my super account, or what happens, like, with that? Like, if that's in a That's separate okay. is that a stupid question?","start_word":3735,"end_word":3772,"sentiment":"neutral","sentiment_score":-0.002394092734903097},{"text":"No. It's absolutely not.","start_word":3773,"end_word":3776,"sentiment":"negative","sentiment_score":-0.4847491383552551},{"text":"So this would sort of work the way it is now. And every year, we'd reevaluate your income and roll that money back into super into accumulation. So the super system has different super accounts. So you think Yes. of your super as it is now. You're in the accumulation phase because you're accumulating wealth for retirement. The Yes. sorry. Transition retirement pension account is one type of pension account. It is a transition pension account and is set up so that you can build income or transition into that retirement phase. Some people might use it for as an example, my mom uses it because she's dropped her hours, so she uses it to transition into the pension phase and start to draw a bit of income out to keep her Out income of that the pension same. So out of that pension account. yeah. Yep. So she can drop So hours. And she went from full time to part time work, but kept her income the same by pulling money out of the super system. Because that's what I was going to look at doing when I turned 60 Yep. five. I was gonna drop Yep. a day and work it And through we my can still do that. Yeah. We yeah. can still definitely do that. So what what a lot of people do at the moment is when they're still working full time, they utilize this sort of strategy as a way to put more into super, but you get the advantage of it being a bit more tax advantaged for you.","start_word":3777,"end_word":4042,"sentiment":"neutral","sentiment_score":0.07790324836969376},{"text":"So you're putting more money into the super system to boost your retirement. But because you still have a lot of bills and expenditure, we use that transition to retirement pension account to bring some money out to keep your take home pay the same.","start_word":4043,"end_word":4087,"sentiment":"positive","sentiment_score":0.5345523953437805},{"text":"Whilst you're still doing the full amount of full time hours, you know, you you no change to work. When you get to 65, if you then decide you want to replenish your income but drop hours, once you hit 65, you don't have to have the condition of release to stop working.","start_word":4088,"end_word":4140,"sentiment":"neutral","sentiment_score":0.1155611202120781},{"text":"At 65, regardless of whether you're working or not, you can have access to all of your money.","start_word":4141,"end_word":4158,"sentiment":"positive","sentiment_score":0.3760327100753784},{"text":"So at, say, All of 60 my four super.","start_word":4159,"end_word":4167,"sentiment":"neutral","sentiment_score":0.2691378593444824},{"text":"six all of your super, completely Yes.","start_word":4168,"end_word":4174,"sentiment":"positive","sentiment_score":0.35319843888282776},{"text":"tax free. 60 Yes. 5 is a condition of release regardless of whether you're working or not. Before 65, you have to be over the age of 60 or preservation age and have the intention to stop working. Yeah. Right. But, ideally, if you can do it, Yes. you're better Absolutely. off to keep your super working for you. Absolutely. But, say, 65, if you decide you wanna drop from five days to say four days of work. We just work out what your income is. We can roll everything back into the accumulation phase. We can reopen a separate pension account again so you have we basically do it's called a refresh. So you roll your pension back into accumulation, put it all back together again, and then roll some more money back into that pension.","start_word":4175,"end_word":4311,"sentiment":"neutral","sentiment_score":0.1186203882098198},{"text":"You still keep your accumulation phase open here because you're still working.","start_word":4312,"end_word":4323,"sentiment":"positive","sentiment_score":0.34570688009262085},{"text":"You want somewhere for your contributions Yes. to go, But then we can access the additional funds to say if you're earning $600 a week, and that one day means that you need to draw a $100 a week out of your pension account to keep your income the same, we can do that. We can set that up. So a $100 every week is drawn out of your pension account and put into your bank account, so you're you're replenishing your income. That means you Right.","start_word":4324,"end_word":4410,"sentiment":"neutral","sentiment_score":0.25184962153434753},{"text":"have the same amount to live on every week to pay your bills.","start_word":4411,"end_word":4423,"sentiment":"positive","sentiment_score":0.3542255163192749},{"text":"It's just coming from two two sources of income. One from Yeah. your Right. employer, the other one from a super system. Yeah. Does Right. that make sense? Okay. Yeah. It does. Yep. It's a little Yep. bit there's a lot to it. It's okay. There's a lot to take in, like but I like, I understand that more so now. Like, Yeah. I've spoken to you again about it. So Yeah. yeah. Yep. Absolutely. Would you like me to go back and refresh the strategy to maybe reflect any changes and update that for you so we can go through it again? Or would you like to just take it a bit slower and maybe just start with, you know, reducing your risk and switching the investments? How would you like to move forward? Because we can go as fast or as slow as you would like, Well, what do you think? Like, you said, let's cut it back 10%. Sharon. Yep. Yep. So we'll start by reducing your risk level in the portfolio, making some changes to the investments there. Do you wanna do that first, and then maybe Mhmm. in a couple of months, we come back and revisit that TTR strategy and sort of go through that again, or would you like me to do it as one document the That's same as with I did the both last with time? the both things in it. Yeah. What would The you like? the pension account and with both in it. Yes. Yeah. So this advice document at the very top is about the reducing of the risk, and it's about changing your investment strategy. So that's where the different strategies Yes. come into play. So Two. if I can if it's okay, if you can scroll up for me again just so I can make sure that you're fully getting it, to page number eight. Eight. Yeah. On the bottom of that page, it has a a table, and it says our advice to you. Yeah. Number about you. Nine. No. I'm just at the page before after. That's okay. Okay. Our advice to you. Okay. I've got it. Yeah. Sharon. So you'll Yep. see the table there. Right? The different strategies are the different areas. So the first strategy where it says, Sharon, retain your Netwealth Superfund and change your underlying investments. That strategy there, when you go down and read the strategy through, it's about retaining your Netwealth Superfund, changing your underlying investment. So we're reducing your risk from that growth portfolio to the balanced portfolio. And because we to do that, we actually have to switch your investments. We have to sell some, buy some other ones. We also did find that in your portfolio, there was some underperforming investments. So we want kinda wanted to switch those out and change the portfolio Yep. for you. Mhmm. If you go down now for me to page number 18, I'm sorry to kind of move you up and down a little bit. Just Eight wanna 18 make sure I can 18, do it. did you 18. say? Yeah. Yep. Yeah. Just Okay. so you can see what that looks like. Got Sorry to move you around a little bit. that. Just trying No. to That's sort of fine. maneuver I it so I that get more it makes of an it under easier on it's you. good because I've got Yeah. that here in front of me this time. So, like, last time, That's I good. didn't have any figures or anything in front of me. So it's Yeah. I I That's think okay. it's helping me. Understandable. Yeah.","start_word":4424,"end_word":5038,"sentiment":"neutral","sentiment_score":0.07918838084470935},{"text":"That's that's all good, honestly. It's all okay. Yep. Beautiful.","start_word":5039,"end_word":5048,"sentiment":"positive","sentiment_score":0.4597848653793335},{"text":"So the heading on this one is the investment. So in order to move you and change your risk level in your portfolio, we actually have to buy and sell investments so that you're when we complete the investment switch, you're in a lower risk portfolio, but you hold the weighting that you need to have. So in Mhmm. order to move you from that growth to that balanced portfolio, we needed to buy more physical gold to sort of break this down. The first heading Mhmm. is Global X physical gold. The second column is your current weighting. So how much of that investment you have in your super fund right now? At the moment, you have 9.21% of that investment in your portfolio. We wanna Mhmm. hold in the balanced portfolio, we wanna hold 10% of that investment. That's the second last column, the target weight. So in order to get you to 10%, we would need to buy, and you'll see the green column. Mhmm. We need to buy 1 $1,317.61 of physical gold to get you Mhmm. to 10%. So you hold 14,270 in your portfolio based on the the balance we had in here. Okay? Does Mhmm. that make sense? Yep. Yep. Yep. With the a 200, that investment is tracking the top two hundred hundred to make sure you only have 10% weighting of that investment. And that's because the a 200, while it's tracking the top 200 companies on the ASX, is a growth investment. That is one of the ones that goes up and down. That's like holding Australian companies in shares.","start_word":5049,"end_word":5318,"sentiment":"neutral","sentiment_score":0.028011043831981993},{"text":"And that investment goes up and down quite drastically and can make us quite scared.","start_word":5319,"end_word":5333,"sentiment":"negative","sentiment_score":-0.3425571620464325},{"text":"So it isn't a it's a growth investment. So part of changing your risk profile is selling some of this growth investment to change your weighting to make sure you have less of that in your portfolio. Does that Mhmm. make Right. sense? Yep. Yep. Yep. Yep. Beautiful. The Vanguard fixed interest, we wanted to remove that completely. It is a good investment, but we wanted to just remove it out of there completely. So we were selling all of that one down. Yep. The cybersecurity, again, is a growth investment. We wanted to keep that 5% of that was a a good amount in your new portfolio. So you had about zero 5.02%. So we only had to sell off about $75 to make sure you had 5% in there. Right. Okay. And Yep. Yeah. Yep. The iShares Europe investment, this is giving you access or exposure to all the European countries and all the ASX of the exchanges within those companies. So their version of the ASX, essentially, the share market, you currently had 5.06%. We just had to buy $18 to increase your weight to 5% in a newer portfolio. So Yes. it Alright. was just about changing buying and selling investments so Yep. that your newer portfolio was weighted correctly. Yep. You had basically, when we look at a weighting target, we just wanna make sure you have the right percentage of that investment. And when we buy and sell, we have to work out what percentage you need to hold, but then we actually tell Hub twenty four or Netwealth how much as a dollar figure needs to be bought or sold to keep Mhmm. you waiting correctly. Does that make sense? Yep. Yep. Yeah. It's Yep. a lot. Do you have questions? You're allowed to let me know if Oh, you I'm just have following more questions. along the tables as as you say it. So I've got a bit of an idea, but I I don't know. I think I'm I'm I'm following you with what you're saying, Yep. but no questions as such. So I don't think That's yeah. okay. But, realistically, Yep. what I because we've sort of gone through things and you kinda don't wanna reduce your risk as much into that balanced environment, do you want me to go back and just maybe look at the balanced growth so we're not stepping down so drastically, just stepping down those risk steps a little bit at a time, 10% at a time? Yeah. Let's go 10%. Let's do 10 that. percent? I'm not making Absolutely. a voice choice, but yeah. No. That's okay. And, look, if you come back to me in a month's time ago, hey, Dana.","start_word":5334,"end_word":5791,"sentiment":"neutral","sentiment_score":-0.004854651325581571},{"text":"I don't like this. I wanna drop down again.","start_word":5792,"end_word":5800,"sentiment":"negative","sentiment_score":-0.5351482629776001},{"text":"I'll go back and do another document, and you'll step down again. It's Okay. honestly you don't have to stay there. You don't have to feel like you can never increase your risk if you want to.","start_word":5801,"end_word":5837,"sentiment":"neutral","sentiment_score":-0.19714227318763733},{"text":"I'd be wholly against you trying to increase your risk at any point because you are so close to, you know, lowering your work hours.","start_word":5838,"end_word":5862,"sentiment":"negative","sentiment_score":-0.4827585518360138},{"text":"And, realistically, with the ups and downs we've seen this year I mean, you've probably seen on the news Trump's been tweeting and everything with the American, the Iran war. That Yep. did make Martha go up and down a little bit. Yep. So, Alright. you know, Then we yeah. wanna So on try to and sizes. yeah. Yeah. So we do wanna sorta try to, you know, limit the ups and downs. And even with reducing your risk level, you still have some of those growth assets. You still have shares. So you're never not gonna see the ups and downs. Yep. But the idea of reducing your risk level is that you're protecting your capital, and we're reducing the ups and downs that you would feel. So if Mhmm. you had, say, 200,000 in your super funds and you're in that balanced or balanced growth environment, the ups and downs are less likely to be drastic than someone who's Mhmm. taking on more of a high growth or an aggressive risk profile, and they're a 100% invested in those shares, they're gonna feel that up and down way more drastically than you would in that balance to balance growth portfolio. Does Yep. that make sense? It Yeah. does. It does. Yep. Yeah. Yeah. That's okay. Yeah. How did you how I will need to go back and update the advice document to reflect. Are you still comfortable with me just going back and updating the portfolio to be more of a balanced growth portfolio Yes. so we just Yes. step down in smaller increments. Yep. Yep. I can say. Yes. Definitely.","start_word":5863,"end_word":6135,"sentiment":"neutral","sentiment_score":-0.03147261217236519},{"text":"Beautiful.","start_word":6136,"end_word":6136,"sentiment":"positive","sentiment_score":0.39244115352630615},{"text":"Yep. Would you like me to do that first and then we come back and look at that transition time strategy, Yep. I or think do you so. want me That'll to give me a little bit Yep. of time. Yeah. Yep. Yep. Yep.","start_word":6137,"end_word":6180,"sentiment":"neutral","sentiment_score":0.07512783259153366},{"text":"Beautiful.","start_word":6181,"end_word":6181,"sentiment":"positive","sentiment_score":0.39616459608078},{"text":"Well, So what we'll once you've got that done, then we'll look at the do we'll look at the transition into retirement. yeah.","start_word":6182,"end_word":6204,"sentiment":"neutral","sentiment_score":0.1268792301416397},{"text":"Absolutely.","start_word":6205,"end_word":6205,"sentiment":"positive","sentiment_score":0.347367525100708},{"text":"Yep.","start_word":6206,"end_word":6206,"sentiment":"neutral","sentiment_score":0.296034574508667},{"text":"Perfect.","start_word":6207,"end_word":6207,"sentiment":"positive","sentiment_score":0.5249881744384766},{"text":"Yep. So if I just double check your file to see when your annual review is due, because I could work it so it coincides that way. So any review is due around about July.","start_word":6208,"end_word":6242,"sentiment":"neutral","sentiment_score":0.08696973749569484},{"text":"Perfect.","start_word":6243,"end_word":6243,"sentiment":"positive","sentiment_score":0.7132254838943481},{"text":"So what I'll do is I'll go back now, and I will just read through the investment strategy, moving you into more of a balanced growth environment. We'll come back and do that advice document, and then we can work out when we come back and do that treat TTR strategy, whether we look at it this year or whether we maybe hold it back until January, and we start it next year for you. Does that sound comfortable? Give you some time to take on board what's going on Yeah. and It do actually things does. slowly. Yeah. Yeah. Yep. It does. Yep.","start_word":6244,"end_word":6347,"sentiment":"neutral","sentiment_score":0.19495904445648193},{"text":"Beautiful. Excellent. Easy.","start_word":6348,"end_word":6350,"sentiment":"positive","sentiment_score":0.6974681615829468},{"text":"So what I'll do, if you're okay with it, can I book you in in maybe, I reckon, a week's time just to update this investment portfolio for you? Are you Yep. available anytime next week? Is there a day that generally suits you better? What about I I mean, it doesn't really bother me. But what about Thursday morning or something like that? Yeah. Absolutely. So next Thursday morning, I am available for majority of the day. Would you prefer maybe nine, 10:00 in the morning? What's suitable for yourself, Maybe ten? Sharon? 10:00? Yeah. Absolutely. So I'll put it in there for 10AM, and we will present the updated statement of advice, Ten. and we'll do So an investment do you switch. you'd send that through an Yep. email, don't you? Oh, well, I yes. Normally, we do. I send it to you via OdoSign so you can open it up and look at it with me, and we'll go through it slower. I Okay. can also post it to you. It just may not be there in time. Is So that gonna be okay? no. That's okay. So what do I do with Yeah. this statement of advice? Hang on to it for a bit Just or what? pop, yeah, just pop it aside. Just you can throw it out if you don't want it anymore. It's completely up to you. I would Yep.","start_word":6351,"end_word":6587,"sentiment":"neutral","sentiment_score":0.047893046499681874},{"text":"Sure.","start_word":6588,"end_word":6588,"sentiment":"positive","sentiment_score":0.33411291241645813},{"text":"I might just hang on to it till I get my new one, actually.","start_word":6589,"end_word":6602,"sentiment":"neutral","sentiment_score":0.21386198699474335},{"text":"Because I like, this help this help with this phone conversation. It helped me a lot, you know, Yeah.","start_word":6603,"end_word":6621,"sentiment":"positive","sentiment_score":0.515099823474884},{"text":"understand it a bit more.","start_word":6622,"end_word":6626,"sentiment":"neutral","sentiment_score":0.22220803797245023},{"text":"Absolutely.","start_word":6627,"end_word":6627,"sentiment":"positive","sentiment_score":0.3607017397880554},{"text":"So yeah. Yeah. Yeah.","start_word":6628,"end_word":6631,"sentiment":"neutral","sentiment_score":0.25667604804039},{"text":"Perfect.","start_word":6632,"end_word":6632,"sentiment":"positive","sentiment_score":0.5545824766159058},{"text":"Not Yep.","start_word":6633,"end_word":6634,"sentiment":"neutral","sentiment_score":0.3052007555961609},{"text":"a problem at all. Excellent.","start_word":6635,"end_word":6639,"sentiment":"positive","sentiment_score":0.4369240701198578},{"text":"Well, I've booked that one in for you for next Thursday morning, which is the August 20 at 10AM. I will have the advice document in the Odoo sign. I'll send it to you. You can open it. We can go through it together. I've scheduled that plenty of extra time so we can go through. You can ask me questions. We can talk about what's happening on each of the pages. And then if you like, we can also post you a copy. So I'll get my team to send one out to you in the mail. That way, it comes in the mail, and you've got a hard copy to read. And then Mhmm. you can we can come back and answer any additional questions you have. Does that sound okay? Yeah. That sounds Yeah? fine. So that last one that last one that you that you emailed me, what should I delete that one? Yes. Actually, we will do that for you. So I'll get my team to go into the Odoo sign, and they will void that copy. That way, it disappears out for you. Okay? Oh, that just disappears out of mine as well, Yep. does it? It'll Yep. just, yeah, it'll just expire. The link will be no longer valid. So you can delete it on your end, and we'll void it on our end for you. Okay. Okay? Alright. Now tell me, with this super with this other thing, with this pensioner pensioner account pensioner account with your super, does that affect Yeah. the salary sacrificing that I already do with work? The the pension account, it shouldn't do. So when we work it out, we look at your payslip and work out what your take home pay is, what you already have coming out of your account, and work it around that. So when we get new payslips, we'll look at it. We'll work out what you've got what your pay is, what your take home pay is, how it looks, and try to work it around that for you so it doesn't affect you. Okay. Alright. Yeah. Yeah. It's I just okay. there was a question that I have. No. It's a silly question, but Yeah. because because I'm already sacrificing salary sacrificing. So I do, like, a normal one, which is 600 and something dollars. And then they do a regional one, which you claim another week's rent on. And, Yeah. like, I'm salary sacrificing nearly nearly $1,000 a fortnight, and I only pay, like, a $166 a fortnight's Wow. tax. Wow. See, that's the other thing we'll look at is we'll look at with your pay whether it's even gonna help you or whether it's even gonna work out good for you to do. Because if you're salary sacrificing or if you're salary packaging that much money already, then it may not work out that you can salary sacrifice. Beneficial. It may not work out beneficial for you. So we do all that work and all that math for you to work out So we Yeah. do all that work and all that math for you to work out whether it works, how it's gonna work, and then we'll come back and let you know yes or no. Hey. It's not gonna work. We're not gonna do it, or, yes, it will work, and this is how it'll work for you and show you the numbers. And, Okay. admittedly, everything can change in a few months, so we'll start by just reducing your risk and changing your investment now. We'll go through that slowly, and then Mhmm. we can come back in a few months' time, look at how things are tracking for you, and look at what we need to do. And as part of this, I mean, as you'll see in that document there, I do do a bit of a a Money Smart calculation. It's essentially a a retirement projected income calculation based on what we're projecting you should have and how much income you should be able to draw to give you longevity or what your income looks like. I'll redo that calculation, and I'll show you that we'll go through that together. Okay? It's Okay. just sort of projecting forward based on the advice what we expect in retirement, how long income should be expected to last, or how long your super should be expected to last. I'll have you look at age pension as well well well whether you're eligible for age pension based on current assets and liabilities and things like that, and then we can go back and update everything. So you can look into all that with because I think I will be. Because I think basically, my Yeah. Supra is about the only investment that I've got. It's my only things that I've got. And all that like, it because that's that's all I've really got plus my car.","start_word":6640,"end_word":7469,"sentiment":"neutral","sentiment_score":0.052782890451959816},{"text":"It's not that's not worth a big amount of money anymore.","start_word":7470,"end_word":7480,"sentiment":"negative","sentiment_score":-0.3403349816799164},{"text":"So yeah. Yeah. No. That's okay. Well, let's also while we're here, because it's been a while since we've gone through and updated your circumstances, let's Yep. just go through and update all your Yes. assets, liabilities, and goals and things just so we can kind of update the advice reflect because it has been a while since we updated these. Yep. Just sort of tracking now, we were talking about being able to access super and do, you know, drop days at about age 65, but you're still wanting to fully retire around age 67. Is that still correct, or Well, what's your I actual have to retirement see where I'm at age at now? that age. I'll have to see, like maybe I might be able to work one or two days. I I'm just Yep. not a 100% sure on that yet, really. So That's okay. yeah. Did did you want me to work on 67 as a goal age for now knowing we can always change that down the track? Yeah. Okay. Yep. Yep. Yep.","start_word":7481,"end_word":7659,"sentiment":"neutral","sentiment_score":-0.002174600027501583},{"text":"Beautiful. Sounds good. Excellent.","start_word":7660,"end_word":7663,"sentiment":"positive","sentiment_score":0.6562423259019852},{"text":"I've got down here that you were originally hoping to draw about $1,100 per week from both super and the age pension to survive Mhmm. from Yep. age 67. Does that feel still appropriate? Yeah. Oh, well, I think so. I mean, things are gonna go up a bit more till then, but Yep. I guess so. Yeah. That's okay. Yep. It's all sort of based on today's dollars because we don't know how much it's gonna be worth in the Yeah. future. How much is gonna be But, different? Yeah. yeah, but what I sort of look at doing now is I base the research around your goals. So looking forward to 65, 57, what does this look like for you at that age? Yep. When you get to that age, we'll reconfirm what your expenditure is. And when you go into pension phase, we'll work out what you sorry, what you actually need to live on, how you draw that down, and then provide advice through pension phase on that aspect. Yep. Okay? Okay. Alright. Okay.","start_word":7664,"end_word":7841,"sentiment":"neutral","sentiment_score":0.06534633785486221},{"text":"Excellent. Sounds great.","start_word":7842,"end_word":7844,"sentiment":"positive","sentiment_score":0.4926186501979828},{"text":"I've also got in here now you did retain a bit of life cover. Sorry. Yep. Just retained just having a quick look for you at what I've got in here. Sorry. I've got the hiccups. I do apologize. So with your life cover, you've got your MLC life cover, which Yep. had a sum insured of about 118,850. And you were happy to retain that for a little bit longer. Do you still want to retain that for When you say retain it, what do you mean? Like longer? Just keep it. Don't you know, keep it for longer. Well, Keep I'm just paying for it out of your super. I think still keep paying for it at this point in time, Yep.","start_word":7845,"end_word":7968,"sentiment":"neutral","sentiment_score":-0.0012616283493116498},{"text":"That's absolutely fine.","start_word":7969,"end_word":7971,"sentiment":"positive","sentiment_score":0.33762264251708984},{"text":"It's not a problem at all. I'll keep I asking that question every year so you can let me know how you feel about it. When and if think. you do so, do Like, you no do longer people want usually it anymore? let it go? Do they let it go? Or I don't know. Some people some people do. Most of the time, realistically, what we wanna keep insurances for is for if we pass away or something happens to us whilst we have debts, that the insurance provides that level of cover. So most people will have life cover so that if they pass away, their mortgage can be fully paid off, their cars credit cards and things can be fully paid off, and then the benefit gets paid to their beneficiaries, Mhmm. whoever that might be. Generally speaking, when we get to sort of age 60 and beyond, if we have enough super and it covers our debts, we tend to not need to have life insurance any longer because if we pass away, our super is paid out. In Yeah. saying Right. that, Yes. it is a personal decision. So, realistically, you're only paying about 660. The amount coming out of super dispute is $561.08. So Yes. you only paid It's about not here 500 or there, dollars is it? correct to have that a $118,000 worth of cover. And it means that if you were to pass away based on your super balance, so we'll say $1.45 $2.03 9 plus 118,050, between your life cover and your super balance, your beneficiary could receive 264,089. So that's not a Yes. bad benefit to pay. Yes. Yeah. I've also got in place I've got to follow that through this week too. My will's in the process of being done. So I had to do Oh, that to cover I had to have that in place yes. for some reason.","start_word":7972,"end_word":8293,"sentiment":"neutral","sentiment_score":0.08608869569642204},{"text":"So Will the is a so good they thing.","start_word":8294,"end_word":8302,"sentiment":"positive","sentiment_score":0.5381192564964294},{"text":"didn't have to pay a huge amount on if it happened to me on Tax. my fifth of the tax. Yep. Yep. So So that's I'm just going that's in the back process to that of being done at section. the moment. So yeah.","start_word":8303,"end_word":8346,"sentiment":"neutral","sentiment_score":0.069342240691185},{"text":"Fantastic.","start_word":8347,"end_word":8347,"sentiment":"positive","sentiment_score":0.6642091870307922},{"text":"So with your goal for your beneficiaries sorry. I'm just looking at what we had noted here. Estate planning. Your goal was that in the event you were passing away, you wanted to have your super and life insurance directed to your will so it could be distributed to your adult children. Yes. Mhmm. So the Yep. biggest thing to sort of think about is with adult children, there's a lot of legislation around how death benefits are to be paid. If you're super and your life insurance is paid to a spouse or a child 18 or a dependent child, someone who relies on you financially, they can receive the funds completely tax free. If it's being paid to an adult child who is not a financial dependent on yourself, the super benefit and the life insurance process, if they're paid directly, they pay 17% tax on that money. So That's it means why I that had once to get that's why I yeah. had to get a willing place. That's right. Yeah. So in the advice document, we recommended that on your life insurance and your super with the beneficiary, we tick the legal personal representative. And that Yes. means that in the event that something happened to you, if you were to pass away, the the super and the life insurance money would go to your estate. You just need Yes. to have your will done up so it receives that money and then have it distributed to your adult children however you see fit. That's right. The kids Yeah. do That's still right. pay tax on the money, but it reduces the amount of tax that they're Tax. expected to pay. So it means that they receive more of the benefit. Does that Yes. make sense? That's yeah. Yeah. And I I will it's something that I've been wanting to get in place for a few years, Yeah. but I just haven't done it. Yeah. But it's in the process That's of being done at the moment.","start_word":8348,"end_word":8688,"sentiment":"neutral","sentiment_score":0.09124228594240204},{"text":"So fantastic.","start_word":8689,"end_word":8690,"sentiment":"positive","sentiment_score":0.46980130672454834},{"text":"So I'll update that for you. So being updated now.","start_word":8691,"end_word":8700,"sentiment":"neutral","sentiment_score":0.24019019305706024},{"text":"Excellent.","start_word":8701,"end_word":8701,"sentiment":"positive","sentiment_score":0.33458396792411804},{"text":"And are you having a power of attorney set up as part of the will? I have got a power of attorney. Yep. Have got one.","start_word":8702,"end_word":8727,"sentiment":"neutral","sentiment_score":0.08894255757331848},{"text":"Fantastic.","start_word":8728,"end_word":8728,"sentiment":"positive","sentiment_score":0.37523406744003296},{"text":"And Is an it enduring power of executor an executor of my will. attorney? So I've Oh, got an fantastic. executor. Yep. You've done it all. Just about it's just all gonna be written up and put in place. I just gotta get back to my my knee my niece is a lawyer, so I've gotta get back to her and Yep. get her to finish it off.","start_word":8729,"end_word":8796,"sentiment":"neutral","sentiment_score":0.12518133683239713},{"text":"That So is really good. That's fantastic.","start_word":8797,"end_word":8803,"sentiment":"positive","sentiment_score":0.6859878301620483},{"text":"No. That works Yep. out really, really well.","start_word":8804,"end_word":8811,"sentiment":"neutral","sentiment_score":0.23085518181324005},{"text":"Excellent.","start_word":8812,"end_word":8812,"sentiment":"positive","sentiment_score":0.4003021717071533},{"text":"I had down here that you were paying rent of about $285 per week. Has your rent increased I'm recently, now paying or 3 is it 100. the same? Okay. Beautiful. 300 per week.","start_word":8813,"end_word":8846,"sentiment":"neutral","sentiment_score":0.037899576127529144},{"text":"Thank you for updating that.","start_word":8847,"end_word":8851,"sentiment":"positive","sentiment_score":0.48993632197380066},{"text":"I had your car down as an asset. I had it down as a Toyota Corolla, and I worked out the asset via Redbooks would be about 13,800 based on the year and the model. Yep. Do you I personally think that should still be fairly okay. These sorts of vehicles do hold their value pretty well. Are you happy to retain that same value, or did you Mhmm. want me Yep. to maybe lower it a little bit? No. I think leave No. it at that, I think. That's Yep. okay. I also have that you had some savings here about 40,000, which was due to be used for a trip to Canada. Do you still have those savings or some savings? I've still got some savings in there. I think I've got, Yeah. I don't know, 34. I think 30 I'm probably 4,000. about 34, and I've got a I'm in the process of changing bank. I I've opened up a new bank account, which is gonna earn me more interest. So Okay. I've gotta Perfect. pull that that 34,000 will eventually transfer into this new account, but I've also gotta transfer at some over my everyday account to that account as well. So, yeah, prob I'd say I'd probably put 50,000. Yep. Beautiful. And what's the interest rate on that new account when you have it? That's a very good question. Sorry. I I have to look it up. That's okay. Do you know what bank it is? Or Bank of Queensland. let me just have a quick look and see if I can pull it up for you. Bank of And what sort of account is What was it called? A smart I think it's a SmartSaver account. it? Smart saver interest rate.","start_word":8852,"end_word":9148,"sentiment":"neutral","sentiment_score":0.04799969810428041},{"text":"Perfect. Yep.","start_word":9149,"end_word":9150,"sentiment":"positive","sentiment_score":0.4849250912666321},{"text":"I think it's Queensland. I've got Smart saver account up to Smart five saver. point That four might zero be what it percent. is, a Smart saver. Yep. Cool. Is the interest rate around 5.40% per annum? Does that ring a bell? Per annum. Possibly. But you get paid your interest monthly on this. Like, in this old account, Yes. it's a really old account that I had this money in, and it, like, it was only earning me, like, I don't know, something ridiculous, like a dollar 34 a month or something. But this new account is going to earn me a $130 a month, Yeah. Okay. So is which that is based pretty on good. the 50,000? Sorry? Is that based on the 30,000 50,000? Sorry? It will be. Yes. Yep. Yes. That's okay. Because I can just sort of work out if it's the right interest rate. So 5.40. I oh, hang 100 on. Not by no. It 50 won't work thousand. out 50,000. It'll work out on 40,000. Put 40,000 down 40 for that thousand. because by the time I transfer some out of my everyday account to that account, it'll be around 40,000 in that account. Okay. Divide that by twelve months. Uh-huh. Did you say the interest is about a $180 a month? No. They said about a 130 on a Okay. So it might worth to add on a little bit less. So because 5 month. point four zero you're at sorry. No. You don't. So 5.40% per annum, so per year on 40,000, over twelve months gives you 2,160. Divide that by twelve months means you get a $180 per month interest on 40,000. 180 a month. Yep. That possibly could be right because she only worked that out on the money that I actually had in there. That So makes by the sense. time And I you put have about up to 30 yeah. four. Yep. Yes.","start_word":9151,"end_word":9476,"sentiment":"neutral","sentiment_score":0.025580514565201624},{"text":"That's pretty good, though.","start_word":9477,"end_word":9480,"sentiment":"positive","sentiment_score":0.5477604866027832},{"text":"Right? Yeah. Oh, yeah. Definitely. So if I work it on the 34,000 for you, $153 even. So, Yeah. It yeah, was it's something still to that a very effect. good interest Yeah. rate. Yeah. Yeah. I've gotta Beautiful. I look I should just get in and do it because I'm wasting money. But, anyway, I gotta do it.","start_word":9481,"end_word":9539,"sentiment":"neutral","sentiment_score":0.1432315856218338},{"text":"Absolutely. So pop that in there. Fantastic.","start_word":9540,"end_word":9546,"sentiment":"positive","sentiment_score":0.4542931616306305},{"text":"I've Maybe also that money, like, if I yeah. didn't need to use it, that money, I could transfer that straight over to my super. That takes You amount a could month. do. You could do. I would just wanna make sure that you're not planning to use that yet. So because, realistically, you are still working. If you have, you know, holidays or large bills or something coming up where you might wanna use those funds. But if you wanted to, we can hold off for now. And then just down the track, we can talk more about what your goals are with that money, whether you do wanna look at adding your industry. But does that sound Yeah. That does. Yep. okay? It does. Yeah. Yep. Don't wanna say yes. Let's do it right now and have you go, oh my god. I put that money into super, and, oh my god. I need it back a little bit because we kinda can't draw it back out unless Yeah. we meet Right. that condition of release or open up the TTR account. It's a little bit more of a process to do that. So Yep. if Yep. we just do it in smaller increments, we do the investments now, then we can come back and talk about your savings and the TTR side of things, and we Okay. can kind of move forward in slower, steady paces to make it a bit easier on yourself. Does that work out okay? Yes. It does. It Yeah. does.","start_word":9547,"end_word":9804,"sentiment":"neutral","sentiment_score":0.05259022118104983},{"text":"Beautiful.","start_word":9805,"end_word":9805,"sentiment":"positive","sentiment_score":0.6125809550285339},{"text":"Yep. I don't wanna do too much at once and kind of Mhmm. make it overwhelming for you. Starting Yep. small is there's nothing wrong with that. Okay? Yep.","start_word":9806,"end_word":9834,"sentiment":"neutral","sentiment_score":-0.03736366331577301},{"text":"Sounds good. Excellent.","start_word":9835,"end_word":9837,"sentiment":"positive","sentiment_score":0.5616623163223267},{"text":"And then I've also got you have an investment account, a Premier Investment account, I believe. That's It right. was I forgot from. about that account. I think I think I've got about Yeah. 7,000 in that now. I think it's gone up Okay. too.","start_word":9838,"end_word":9882,"sentiment":"neutral","sentiment_score":0.061831019818782806},{"text":"Beautiful.","start_word":9883,"end_word":9883,"sentiment":"positive","sentiment_score":0.6139218807220459},{"text":"I've got that I'll in update there for my that grandchildren. for you.","start_word":9884,"end_word":9896,"sentiment":"neutral","sentiment_score":0.29933783411979675},{"text":"Lovely. Lovely.","start_word":9897,"end_word":9898,"sentiment":"positive","sentiment_score":0.5388113260269165},{"text":"And there are just so you are aware, there are other ways that you can invest for grandkids. We do have access to, like, investment accounts, investment bonds, and things where you can have the money invested for for them for the future where when that gets handed to them, they get the money tax free. So Oh, do they? there are, yeah, so there are other ways that we can invest the funds for your grandkids down the track if you're wanting to add more money to it or if you're wanting to invest for them. So there's So if I other wanted other to take things it out that of we this can do. investment account and use work on something for me, do you mean? Is that what you Yes. mean? Yeah. Yeah. Absolutely. If you had, say, that 7,000 sitting there and how grandkids do you have at the moment? I have seven, but my baby girl, my Wow. daughter, youngest daughter, is actually having twins in December. Wow.","start_word":9899,"end_word":10071,"sentiment":"neutral","sentiment_score":0.06463391333818436},{"text":"That's incredible.","start_word":10072,"end_word":10073,"sentiment":"positive","sentiment_score":0.4799970090389252},{"text":"I know. I know. That's exciting. Oh, it's so exciting. It's we're all so Oh, excited.","start_word":10074,"end_word":10089,"sentiment":"neutral","sentiment_score":0.21258313953876495},{"text":"It's amazing. absolutely. And she's so beautiful about it.","start_word":10090,"end_word":10098,"sentiment":"positive","sentiment_score":0.5981234312057495},{"text":"Like, when she told me she it was only for a week ago. She said, you know, mom, some people be cursing having twins. She said, but you know what?","start_word":10099,"end_word":10128,"sentiment":"neutral","sentiment_score":0.11846014857292177},{"text":"I am so excited.","start_word":10129,"end_word":10132,"sentiment":"positive","sentiment_score":0.4412558674812317},{"text":"She said, I Yeah.","start_word":10133,"end_word":10136,"sentiment":"neutral","sentiment_score":0.27479088306427},{"text":"just can't wait to be a mother of twins.","start_word":10137,"end_word":10145,"sentiment":"positive","sentiment_score":0.4002266228199005},{"text":"Yeah.","start_word":10146,"end_word":10146,"sentiment":"neutral","sentiment_score":0.0760335922241211},{"text":"And it's Oh, so that's beautiful. so It's beautiful. really lovely. Yeah. Yeah. Oh, that's lovely. I'm very excited. Congratulations. It's very Thank exciting. you. Thank you.","start_word":10147,"end_word":10173,"sentiment":"positive","sentiment_score":0.6253997087478638},{"text":"But, yeah, look, down the track, if you decided to and wanted to you would it would be something that we would need to put more money into, so smaller amounts over time for, you know, compounding. Yep. But you can invest in different investment accounts and bonds for for kids to be passed down to grandchildren later in life, you know, ten, fifteen, twenty years down the track. Yep. And it does give them an advantage to have that money invested Mhmm. and growing for them to receive later on down the track as an inheritance or, you know, at a certain age that you deem fit for them to receive the funds? Pardon Yeah. me. Right. Because I ideally, it's not a lot yet. But, I mean, I think by the time anything happens to me, well, it it'll be up a little bit more, but yeah. Yeah. But it's just something I put aside from. Yeah. So Absolutely. yeah. That's not a problem. But look down the track. If there's other goals that you have that you want us to look at as advisers, we can definitely help you in that area as well. Okay? Okay.","start_word":10174,"end_word":10372,"sentiment":"neutral","sentiment_score":0.08788274973630905},{"text":"Sounds great.","start_word":10373,"end_word":10374,"sentiment":"positive","sentiment_score":0.38303789496421814},{"text":"Yep.","start_word":10375,"end_word":10375,"sentiment":"neutral","sentiment_score":0.23506073653697968},{"text":"Beautiful.","start_word":10376,"end_word":10376,"sentiment":"positive","sentiment_score":0.3790452778339386},{"text":"The only other thing to sort of look at is your income. Have you done your tax return for this last I've financial got it. I've year got to at get all? I was gonna do that. It's in the making. That's I've okay. partly done it. But That's okay. I have your income noted. We obviously went on your past income from your last pay slips last time, and income noted there yeah. was about 65,115. Do you think your income may have gone up since Possibly then? Because could've you said you're a little, gonna pay but rise? but nothing extravagant, I don't think. Yep. No. That's okay. That's not a problem at all. I'll just keep it at that for the moment, and we can reassess that in greater detail when we do that TTR strategy down the track for you. That's okay. Mhmm. And savings wise, are you managing out of your income to put much in the way of savings aside, or is all of your incomes going to all of your income kinda going towards your expenses? How are you sort of finding things at Well, the moment? my I I probably got I don't know. This is just just my little way of doing my all my pay goes into one account, and I draw a little bit out of pocket money out of it. What's what's left over in out of my income out of that that just stayed in this account? So I probably Yep. am saving, but it's just not like I transfer a $100 a week or something over to another savings account. It's just what's left over just stays in this account in this everyday Okay. account. So there's sort of no no set figure that you're finding that you're able to put away? Is this whatever you've got left over at the end of the week depending on the bills? Yeah. It just stays in that account. So Yep. yeah. Yep. That's okay. So I'll just write here all of income goes to expenses and anything left over depending on the week that stays in the account for use later Mhmm. on. Does that sound okay? Yep. Yep. Yep. It does. Yep. Yep.","start_word":10377,"end_word":10752,"sentiment":"neutral","sentiment_score":0.012585595160109077},{"text":"Beautiful. Beautiful. Excellent.","start_word":10753,"end_word":10755,"sentiment":"positive","sentiment_score":0.5894525051116943},{"text":"Employer contributions, I've got that here based on income for you, and I can double check that with your Netwealth Superfund. That's absolutely okay. The salary sacrifice. Now your salary salary packaging sorry, onto the card, and you said your salary packaging over overall about a thousand dollars a week. Is that It's right? just a it's just a little bit under. Yeah. Yep. Yep. Perfect. But I don't know whether they actually keep I don't know. I must find out whether this regional benefit thing is, like, a permanent thing or is only for I don't know. I have to find out whether it was, like, What's just it a twelve called? month thing. I I can I have don't know. a look for you. Regional benefits. Let's have a look and see what we can find. Did they tell you that it was due to being in a regional area? Yep. That's what it is. And Yes. what's the name of the the salary packaging company that you do it through? Easyway. Easy Way. Easy salary packaging. Sorry. I'm just having a quick look at the site to see what the options are. It doesn't really say anything specific about it. Because it's It's incredibly got to do a with math the a that you can it's yeah. incredibly It's got amount to do with that you the a can salary c sacrifice. oh, I couldn't believe absolutely. it. Yeah. It's got to do with the ATO definition of a remote area. So a regional or remote area salary sacrifice arrangement lets you pay for housing utility costs using pretax income. You must live and work in an ATO defined remote area, and your employer must offer the salary packaging. 50 Yes. percent of eligible costs are exempt for the discounts from caps lowering your taxable income. So it's got to do with the ATO definitions of where a regional area is located, but you obviously come into that kind of Yes. Have area. a green. So when Yes. yeah. Correct. In the category. Yeah. So what I would probably look to do with your TTR strategy is look at what your your total income is, and then we break down what you've got coming out of that. So your salary packaging arrangements are deducted from that. So for your rent and then the salary packaging arrangement onto the card is then deducted from that, and that tells us how much your take your taxable income is or how much income you pay tax on. And Yes. if you're looking unless you're looking at that page again with that TCR strategy there, if you're looking at page number 30. Sorry. If I go back to the salary sacrifice page, that's page number 27. 27. Yes. So if you're looking at that page with your two positions, you've got your current. So what we wanna do with looking at your salary packaging is look at your we'll work at your total taxable income, which we had noted as $65,001.01 5. Then we subtract from that your salary packaging. And then also from that again, subtract what your salary packaging onto your card, so your rent plus your card. And then anything after that is what your employer pays tax on. So that becomes your Yes. take home pay from that amount is, and then we work out how much you can put in the super as a salary sacrifice arrangement to increase your contributions and then how much we draw out to keep your take home pay what it is currently. Does that make sense? Yes. So your take home pay, we would be working out is not your total with your salary packaging onto that card. It's the essentially, the total that you get paid from your employer after the taxes the income tax comes out. Does that make sense there for you? It does yeah. This is talking about that Yeah. pension account. It is. Yeah. Yeah. Yep. So that's Okay. how we would work out your salary sacrifice and your in and the pension drawdown, that transition pension drawdown Yes. around your salary packaging arrangement, essentially. Does that make sense? Yes. Yeah. It does. It does. Yeah. Yes. There's a lot to it, and I'm very sorry. I hope this has clarified things. Is there It more it questions has it that have has come out a lot of it? more. Yes. You're allowed to ask any other questions you have. Is there anything else that's kinda come up that's, you know, might be concerned or you just need a It'll come down I don't think so. But you're you're, like, you're still not a 100 to percent sure whether the you rate can do that it transition It'll to retirement. come down to the rate it'll come down to the research, but let's Yes. start small. Let's do the reduction of risk, and we'll do the investment switching first. Yes. And then we'll come back later and do that transition to retirement strategy and look at what we can do there and how that works based on your income at the time. Does that sound okay? Yeah. That's right. So Yep. so even if I did want to drop like, without doing that transition to Yeah. retirement, Yeah. if I wanted to drop a day at 65, that's how can I still do that? How does it work with your super? Yeah. Yeah.","start_word":10756,"end_word":11673,"sentiment":"neutral","sentiment_score":0.05720609687025251},{"text":"Absolutely.","start_word":11674,"end_word":11674,"sentiment":"positive","sentiment_score":0.341666042804718},{"text":"So just to clarify, at 65 dropping a day, is that saying that we've started that transition account, or is that just in general if you, you know, wanted to drop In a in day? Is this in like, I would like Yeah. to think that that transition account would be in place, but if just say Yeah. for some reason we can't do that, then Yep. so how does that work? How does am I still is there a way that means that you can do that? Oh, absolutely. So what we'll do to start with is, again, we'll look at your payslip. I like to get a payslip because it does kinda give me clarification on how much you're earning. We'll look at what your your hourly rate is. So we'll work out how many hours that is gonna be for you. We'll work at your hourly rate versus the amount of hours you're going to work. If you're still salary packaging, we'll try to deduct that out, and we still wanna look at your taxable income. So we wanna know what your your taxable income is that your your employer is paying tax on. We then work Right. out so we just wanna basically work out what that is with your full your current hours. If it's full time hours, thirty eight hours a week, I think you're doing sixty four hours per fortnight. Is that still fairly Yeah. accurate? That's right. That's right. Yeah. So we'd essentially look at your hourly rate versus sixty four hours per fortnight. And then if you were to drop one day per week and say that went to sixty, say, sixty, fifty eight hours per fortnight, give or take, we would then do the same math and work out your hourly rate versus, say, fifty eight hours per fortnight and work out the difference. The difference Right. between those two is what you need to draw down to keep your take home pay the same. So we're basically looking at what you earn prior to the change, what you earn after the change, and what the difference is, and keeping Yes. your take home pay level the exact same. And, again, we can do the pension account so that the money comes out of your super fund. The day that your income is supposed to be paid from your employer or a day around it, if you get paid fortnightly and you just wanted to supplement it, I've got some clients who receive their income payments on the week where they don't receive anything from their employer. That way, they have money coming in every week. It's a Yes. different amount every week, but there's money coming in every week to sustain them a little bit. Yeah. Right. Okay. Yep. Yeah. There's lots of different things that we can do, lots of different options that we can help you with. It's just about breaking it down so that you understand what we're doing, how we're doing it, Okay. Yes. and just slowing the process down a little bit for you so you can Yes. sort of Sure. feel a bit more comfortable each step of the way. Yeah. Yes. Okay.","start_word":11675,"end_word":12214,"sentiment":"neutral","sentiment_score":0.0722784658824956},{"text":"Oh, Sounds good. great. Oh, this conversation is so much better than I've I'm following it a lot more this time. I'm really glad that's helping you a lot. You're always welcome to ask questions, and I definitely, Sharon, do encourage asking questions. I think it's really great because it sort of helps to clarify and understand things.","start_word":12215,"end_word":12272,"sentiment":"positive","sentiment_score":0.574924647808075},{"text":"I mean, it's sort of I try to break it down as much as possible, but it's always sort of hard to understand how the other person on the other end of things is taking it. So please feel free to ask questions as often as you need. I can clarify things as as regularly as you need me to just to make sure that you're understanding what we're doing and how we're doing it, why we're doing it, and how it affects you. Yep. Because at the end of the day, this is your money, Yep.","start_word":12273,"end_word":12369,"sentiment":"neutral","sentiment_score":0.16709821463860186},{"text":"your retirement. It's part of your income. We Yep. wanna make Great.","start_word":12370,"end_word":12381,"sentiment":"positive","sentiment_score":0.4279495775699615},{"text":"sure we So tell do me, if the you're looking right for another thing help, by like, another you super and fund, look Head after Start it. and Okay. stuff like All that, they good. don't move your money and do this all this kind of stuff around, do they?","start_word":12382,"end_word":12431,"sentiment":"neutral","sentiment_score":0.039859965443611145},{"text":"They not no. Not no not in the same way we do.","start_word":12432,"end_word":12443,"sentiment":"negative","sentiment_score":-0.3643501400947571},{"text":"So, No. essentially, if with an industry fund that they're just a vehicle, the biggest thing to think about a super fund is it's a vehicle. So think of it like your car. You put your you get into your car, but without fuel, you don't go anywhere. Your Yes. investments are your fuel. You're putting the invest the super fund is just a vehicle. So whether it's hub twenty four, Hestar, whether it's host class or Netwealth, for example, they're just a vehicle. What really makes your money worth is the underlying investments. With the Yes. industry funds, you do have very limited investments. They tend to just find a an average portfolio that suits the the average time horizon that you have, and they'll throw your money into that. And what happens happens. Yeah. Right. They have, like, a certain stage where they might move you into something more conservative, or if you're younger, they might have you a bit more risky. Whereas with advice, we have a lot more scrutiny around what Yep. we do, so You've we have got to do you've risk got profiling. other options and stuff that you can do. Correct. Netwealth has Yep. a lot more investment options to choose from, so we can make alterations to your portfolio. We have a lot more it's more of a sophisticated platform, investor platform, and you wanna have an adviser who looks after these sorts of things because we do need to change your risk profile more regularly. I mean, with an industry fund with where you are currently, like I'm telling you, we should be reducing your risk level because you are closer to retirement. In an industry fund, you would just sit there until they tell you that, you know, Yes. it might be time to change things or move into more cash or something because you're Yes. a year out. Whereas we're looking at this in advance and trying to sort of help you to reduce gradually, make changes so that things are working harder for you. We're reviewing your portfolio, your performance. We're helping you with the TTR strategy. If you go to them, they'll say, well, you can only do 10%, and you'll have to do all the math to work out how much you move, where you're invested, what you're doing. So with an industry Whereas with fund, you it's guys, a lot he's more doing on you. all he did all the homework and Correct. everything. You pay us to do what's part of our ongoing service fee. So you pay us Yes. a service fee to look after things, to provide advice, to help guide you along the way, and Yes. to be there and Yep. support you and to provide that financial support and that financial advice. So that's what Yep. we do. The idea of having an adviser is that they you've given them some goals, and they're here helping you track towards those goals. Yep. So Yep. yeah.","start_word":12444,"end_word":12948,"sentiment":"neutral","sentiment_score":0.03112379873890688},{"text":"Wonderful.","start_word":12949,"end_word":12949,"sentiment":"positive","sentiment_score":0.5668784976005554},{"text":"Yeah. Okay.","start_word":12950,"end_word":12951,"sentiment":"neutral","sentiment_score":0.28322601318359375},{"text":"Good.","start_word":12952,"end_word":12952,"sentiment":"positive","sentiment_score":0.3975147306919098},{"text":"Alright. So I'll be hearing from you next Thursday morning at ten Yep. just to run through as I was I have a few little things that you were putting into place. Yeah. Absolutely. Yeah. So we'll go back. We'll just do up the the portfolio switch again, just reducing risk. We won't go as gradual. We'll move into more of a balanced growth environment for you, Yep. and then we'll look at what that looks like. Then we'll come back in a few months' time and reassess Sounds things moving great. forward a bit closer. I probably Yep. actually just want to quickly, if I could we did your risk profile questionnaire a few months ago, but I just wanted to re quickly visit that to just kind of gauge. I had answered most of these previously just with, like, your time horizon and everything. But Yes. one of the things I just wanted to I have just three questions I'd like to kind of go through just to kinda clarify. The first question is if you saw your super fall by 20% in the next, say, one to two years, how do you think you might be feeling? Do you consider yourself comfortable? You're thinking it's an investment opportunity and wanna put more money into the market. Are you a bit cautious wanting to call us and see what we suggest you do, maybe hold and wait? Or are you a bit concerned and maybe wanting to sell the investment and put the money into something more secure? Out of those three options, where do you think you might fit, Well, I don't know. I think I'd be cautious, but I said I've gotta put my money into something more secure. Sharon? Yep. Does that make sense? Yep. Yep. Do you think you would be, you know, feeling cautious, maybe calling us and talking to us about the options, Absolutely. or do you think you'd be ringing us and go, hey. Sell that investment. I wanna get a cash. I'm a bit concerned and nervous. I think I'd call you and say what is what options there is. Yeah.","start_word":12953,"end_word":13313,"sentiment":"neutral","sentiment_score":0.017312999990177946},{"text":"Perfect. Excellent.","start_word":13314,"end_word":13315,"sentiment":"positive","sentiment_score":0.43266528844833374},{"text":"And I'm just noting here, so 67 is when we're gonna work on for your time horizon. So it gives us a four year time horizon to access super.","start_word":13316,"end_word":13344,"sentiment":"neutral","sentiment_score":0.1964963376522064},{"text":"Beautiful. I'll tick the box there. I've noted here with regards to the average return you're like you're hoping to achieve, we wanted to get the best possible return you can from your super.","start_word":13345,"end_word":13378,"sentiment":"positive","sentiment_score":0.3565211296081543},{"text":"Am I on the right track with that one?","start_word":13379,"end_word":13387,"sentiment":"neutral","sentiment_score":0.2972813546657562},{"text":"Happy to tick that box.","start_word":13388,"end_word":13392,"sentiment":"positive","sentiment_score":0.48539286851882935},{"text":"Yes. Yes. Yep.","start_word":13393,"end_word":13395,"sentiment":"neutral","sentiment_score":0.2471737265586853},{"text":"Beautiful.","start_word":13396,"end_word":13396,"sentiment":"positive","sentiment_score":0.5439867973327637},{"text":"And the other one here is thinking about your super in the past, have you ever seen your super fall in value? I know we do see market ups and downs, but have you ever seen your super fall in value Not with you in guy the not past? with you guys, I haven't. No. But even before that, have you seen a falling value before that at all? Like, with Hester and stuff like that. Yeah. Yep. To be honest, until I got with you guys, I never ever took a lot of interest in it, to be honest. I never, Okay. like, never had the conversations, I don't think, to to be able Yep. to understand what's happening with it. No. So That's okay. Thinking that you're super now because we know markets will go up and down, and no matter what portfolio you're in, you will see those ups and downs. It's about the risk level that you're taking to make sure you're comfortable with the types of ups and downs that you do see and feel. If you saw your portfolio fall in the future due to what was happening in the markets globally, do you think you'd be feeling optimistic, cautious, concerned, or feeling very anxious about it? Probably feeling very anxious about it. I'd say with where I'm Yep. Yep. Absolutely. And the last one at here at the is moment. Absolutely. And the last one here is thinking about the risk level. If you thought about risk between numbers one and five, five being the highest risk level or your money in shares, one being the lowest, it's sitting all in cash. Where do you think you might see yourself fitting between one and five in a number? Do you see I yourself don't know. I as think a two, maybe about three, a three four, maybe. three? Yep. Absolutely.","start_word":13397,"end_word":13713,"sentiment":"neutral","sentiment_score":-0.07335031777620316},{"text":"Perfect. All good.","start_word":13714,"end_word":13716,"sentiment":"positive","sentiment_score":0.4723329544067383},{"text":"So with that, you have scored as more of a moderate investor. So it does sort of see that balanced portfolio that we were sort of looking at before, but we can absolutely go balanced growth. It is one above. To give you a bit of an idea, as I kinda mentioned before, it sees about 70% of your super invested in growth assets. So think about Australian shares, international shares, some gold and silver, and some property. And then Yes. the other are generally 30% in defensive lower risk investments, like cash, bonds, and fixed interest. This balanced growth environment, you're tracking to try you wanna get an average return of six to 8% on a yearly basis and compounding that forward. And suit someone who has about sort of six years before they you know, five to six years before they're accessing their super, so around about five years. With your four year time horizon to age 65, knowing you still want to work a little bit longer, that's okay because 65, you said you just wanna drop days, but you still want to work. So you'll still be putting money into super. So this balanced growth environment with your four to five year time horizon is completely fine Mhmm. with a negative return. Now because we always talk about market ups and downs, and every portfolio has the likelihood of a negative return. This sort of balanced growth environment is the likelihood of a negative return is one in say every six years, which is very Yes. much lower risk. With the portfolio you're in now, the average likelihood of a negative return is one in every five years. So we're reducing the risk level. We're reducing the likelihood of a negative return a little bit as well and trying to create a bit more stability to your portfolio. Does that still feel right for you, that balanced growth environment there, Sharon? Yeah. It does. It does. Yep. Yep. Beautiful. Do you have questions about what I've just gone through? Yep. I don't think so. No. No? No. That's No. okay. All good. I'm are you comfortable for me? I'll just go back. I'll update the advice. We'll talk again next Thursday morning and go through it together. Did Mhmm. you want me to get someone to also post you out a hard copy as well? It won't be there by next Thursday, but it will come a few days after. Did you still want someone to post a hard copy for you? Yep. Definitely.","start_word":13717,"end_word":14144,"sentiment":"neutral","sentiment_score":0.05308999225636509},{"text":"That'll be great.","start_word":14145,"end_word":14147,"sentiment":"positive","sentiment_score":0.5190908908843994},{"text":"Yep.","start_word":14148,"end_word":14148,"sentiment":"neutral","sentiment_score":0.2527288794517517},{"text":"Fantastic.","start_word":14149,"end_word":14149,"sentiment":"positive","sentiment_score":0.5493716597557068},{"text":"Not So a problem at all. when you when do I sign this after I speak to you next week, do I? You yeah. You can. So we'll I'll go through it with you online next week so you can see the document. We'll talk about it. You can ask any questions you have, and then a hard copy will come in the post for you to reread. And then if you're comfortable proceeding with that advice, I'll get you to sign it electronically. Yep. Yep. I can get someone to one of my team to give you a call maybe a week or two after we've gone through it, and they can help you with the signing of that if you would like. Does Yeah. that I sound think that's okay? doctor sign, isn't it? I think I've got that set Yeah. up. Yeah. It's Yep. we use Odoo Sign, which is the same sort of thing. You just press the button that says sign to sign or sign here, and Yeah. it I takes think I've you done through. that once before with you guys, I Yes. think. Yep. Shouldn't be a problem. But if you get stuck, you can let us know.","start_word":14150,"end_word":14354,"sentiment":"neutral","sentiment_score":0.10843295603990556},{"text":"We're more than happy to help you talk you through it.","start_word":14355,"end_word":14365,"sentiment":"positive","sentiment_score":0.4731379449367523},{"text":"Okay. For sure. Okay.","start_word":14366,"end_word":14369,"sentiment":"neutral","sentiment_score":0.1483554244041443},{"text":"Alright. Excellent. Sounds All good. great. Thank you so much for today. That's okay. That's not a problem at all.","start_word":14370,"end_word":14389,"sentiment":"positive","sentiment_score":0.5619731545448303},{"text":"I'll go back and update the advice, and we'll talk again next Thursday. And in the meantime, if any questions come out, Sharon, just let me know. Okay? I'll jot them down, and I'll ask you next Thursday. Absolutely.","start_word":14390,"end_word":14428,"sentiment":"neutral","sentiment_score":0.20422014594078064},{"text":"All Okay. good. Alright. Thank Okay. you. I'll let you go. You have a lovely evening. You too, and thank you.","start_word":14429,"end_word":14449,"sentiment":"positive","sentiment_score":0.5262575149536133},{"text":"No Okay. worries, though.","start_word":14450,"end_word":14453,"sentiment":"neutral","sentiment_score":0.08535115420818329},{"text":"Take Thanks, care.","start_word":14454,"end_word":14456,"sentiment":"positive","sentiment_score":0.4075310826301574},{"text":"Sharon.","start_word":14457,"end_word":14457,"sentiment":"neutral","sentiment_score":0.2680371403694153},{"text":"Thank you.","start_word":14458,"end_word":14459,"sentiment":"positive","sentiment_score":0.45066165924072266},{"text":"Bye. See you later. Bye. Bye.","start_word":14460,"end_word":14465,"sentiment":"neutral","sentiment_score":0.23217102885246277}],"average":{"sentiment":"neutral","sentiment_score":0.07479171764591268}}}}