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Fantastic. I'm just gonna get through to you via email. Are you able to pop into your emails at the moment at all? Yes. Fantastic. I'm just pressing send on this one. It's normally easier if you're looking at the advice document with me. That's all. Now, hopefully, it comes through fairly quickly for you. I do apologize if it doesn't. Emails sometimes let me sometimes don't. Has anything come through as of yet? No. That's okay. Double check your junk mail as well. It's telling me that it has just gone through. No. Then that's okay. We'll just give it another minute and see if it pop through for you. Mhmm. Definitely sending. Yeah. It's definitely gone through. Push one again. That's okay. Yeah. You're right. I might just resend it again to you. I'll just pop back out and resend because I know yesterday and today the email was a little bit slow, so it might be easier if I just resend it to you. Yeah. No. That's okay. I'm just quickly writing a new message in there for you, and I'll just reattach these documents to make it easier. Here we go. I'll just press send on this one again to see if this one comes through. I know last time we're having the same problem. It was just the emails are taking a really long time to come through. So I'll just resend this one again for you, and, hopefully, the second link will be better. That's all good. Other than that no. That's okay. All good. Other than that, though, how's your day been so far? Fantastic. Excellent. Yeah. Oh, yes. So you've basically done a whole day by the time I start work. Yeah. No. No. All good. Before we jump into the call, just while that email is coming through to you there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Oh, fantastic. And I'll just do a really quick security test there with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Perfect. Fantastic. Excellent. Thank you so much for that. Excellent. So when you get that, that email should have come through there as you mentioned. If you just click on the sign button, it'll allow you to move forward so you can view the document and move up and down through it. It will not ask you to sign anything until you get to the end of it, and I would like to go through it before you do sign it to make sure that you've understood it all. Okay? Yep. That's the one. Yeah. Perfect. Sorry. Yeah. You're right. Yeah. Perfect. So on the front page here, it says statement advised as prepared for yourself on the 10/06/2020 oh, sorry. 08/06/2026. I'm a few months ahead of myself. Essentially, on the, isn't it? On the bottom there, it's got down prepared by myself and my lovely team here at OCE Financial, and my authorized representative number is 1304394. If you scroll forward, the next page outlines that any advice provided is provided under the best interest duty, which is part of the corporations act, and we're licensed under section nine of that. If you move down to page number three and four, this essentially just shows that we're scoping in and out areas of the advice. So with this one here, we're looking at your superannuation and retirement aspect. So you are almost ready to retire. You turn 60 in December. We're looking to have you retire at that point, move you into the pension phase, and draw at a 110,000 so that you're able to pay off any debt, take some time off, purchase a new car, and have a bit of a holiday there as well. Okay? Beautiful. Underneath that, we're scoping cash flow, budgeting, and debt because the reason for withdrawing that amount of money is to cover the debt as well. So that has been scoped in for you. Areas that we're not considering on page number five. This is areas of insurance. If you don't have any insurances, we can look at those down the track depending on changes to your circumstance that you are happy not having any currently. We're also wanting to explore we're also wanting to down the track and look at Social Security. So I have to go to app for now because after speaking to yourself and Judith, we did agree that early next year, we'll come back together with the two of you. I'll update and change some advice and rehab a conversation with the two of you together, and we'll update a joint advice document with that one, what your joint goals are, what your plans are moving forward after this first year, three months you've enjoyed off, and then we can look at updating the advice and also factor in Social Security down the track there for you as well. Okay? Excellent. Excellent. I've got on sec page number 70 about you section. Do you see any major changes that would need to be updated in relation to that area there at all, or is that all fairly much the same as it was? Perfect. So sorry. All good. And then the next page outlines your personal assets and liabilities that you've noted down there, which will all basically be gone in a few months' time, which is fantastic. Perfect. Now I will let you go back after the call and definitely have a read to the document. As you are sort of scrolling through, from page 11 onwards, it outlines all the recommendations as kind of breaks or damages the wording. We know that's interest to you, so relating the recommendations back to your goal. And then we do also note the advantages, disadvantages, and the risks involved. To make it easier on yourself easy. I'll easy. I'll get you to go to page number 18 for me, and I'll take you through the recommendations. I'll just have to the pages that I need to, and then you're welcome to go back and have a really good read of the document thereafter. Okay? 18. Yeah. Fantastic. So with page 18 there, essentially, it is showing you your current investment portfolio. So one of the things that we talked about was starting off by reducing your risk level. So at the moment, you're in more of a growth portfolio. Because you are looking to retire in the next few months, we wanted to put some things in place to reduce your risk level. So as you are moving closer to being able to access your funds, that you're not going through such high highs and low lows that the market can provide. So in order to reduce your risk level, we need to update your portfolio. So these are the changes that we're going to make. We're going to sell off, sorry, the battery and lithium tax, the ban among Australian equities, the bank hybrids are gonna be gone as well. We're going to keep the physical gold and buy more of that. We wanna hold about 10% in your portfolio to increasing your physical gold exposure. We want to also decrease the cyber security. So we still wanna keep cyber security in your portfolio, but decrease the level of exposure to 3% from currently 8%. Also wanna increase the defensive the defensive component of your portfolio. This is more lower risk and income producing. So increasing your exposure into core composite funds. So increasing from 8% to 25%, we're going to sell off some S and P 500 to reduce you down to 22%, sell off all the bare neck property, sell off all of the Rafi 200, and then we're gonna buy into the European exposure, the Vanguard All World Index, the BetaShares a 200, and also some high interest cash account there as well. So the red is what we're gonna sell off, the green is what we're gonna buy, and the last column, which is your target balance, is where you will see essentially all your super invested moving forward. Does that make sense? Beautiful. That is reducing your risk level, which is fantastic. It's also updating your portfolio, which is going to be really good. If you scroll down for me just to page number 21, I can show you the outcome expected. 21. So sorry. Yes. The fee comparison table. Is that what you're looking at? Yes. Page 21 is the one we're up. Sorry. That's okay. You're fine. Oh, no. Yeah. No. That's absolutely fine. So the first column outlines your current balance of $147,001.59. You've got your administration fees, investment fees, your ongoing service fee for us looking after your super and providing the advice. Your contributions going in, that's including your current salary sacrifice, and there's no insurance premium coming out. At the moment, you're in that growth environment, which is 80% invested in those higher risk investments. So you and when you think about risk out of the number between one and five, you're sitting at about three there. But having 80% in those higher risk investments does see more ups and downs with your balance increases. So being as you're only about four months out from accessing your super, we wanted to reduce your risk level a little bit and protect more of your capital. So, essentially, the growth portfolio, when we look at it over the past five years, it's averaged about 8.92%, which is by no means bad. But in in reducing your risk level, we're gonna make those alterations to your portfolio. And on the bottom line, the balanced portfolio, when we look at that over the past five years, has actually seen a 9.01% return. So this sort of portfolio is reducing a risk level, but it's also seeing good past performance, which can, in the future, also provide greater future performance as well. Okay? Now it's important to note that your super fund, just like you, does pay capital gains tax. It does a tax return every year as well. So in the top differences column there, you'll see the the number $729. In order to make the changes in your portfolio, your super fund will account for capital gains tax, and it's estimated to be $729 there. Okay? The good thing the other good thing about this portfolio is that it's also got a lower cost for investment fees. So at the moment, your current portfolio, you pay about $608. With the recommended, it reduces your investment fees to 200 and $33 for the year. So it is saving you about $375 in the way of investment fees in the first year as well. So it's a lower cost portfolio performing well and also reducing your risk level. Okay? Excellent. The ongoing service fee does continue to come there, and over the next four months, we still will see your contributions going into the portfolio. Essentially, we will see growth out of the portfolio, but we do know that over the next four months, it will be minimal growth, and it's still important to put these things in place to protect your super. So when we consider the projection at the bottom there over the next four months between where you could be if you stayed where you are versus making the changes, we do note that you would be worth up by that $614. But it is still best to make the the change to reduce the risk level and to be in that lower cost portfolio. Essentially, you still wanna pull some money out to be able to pay off your debt and enjoy you the first few months of your time, and then we're gonna come back and review everything and update the advice to keep you super growing and working for you. So making these changes is still gonna be in best interest. Okay? Beautiful. Do do you have any questions so far, Mark? Was there anything that flagged us now? Excellent. If you go down to page number 23 for me, this is just outlining that once we've made those changes so we're gonna now start by just doing the investment switch. Once the investment switch has been completed now, your portfolio will be sitting in that newer portfolio for the next four months. My team will then add a flag that in December, we will give you a call when you're about to retire. We'll get you to confirm that you have retired. I'll probably get them to call you about a week out. We'll just say, hey. Just confirm me yep. Beautiful. So I will that's Wednesday. Yep. Absolutely. I will add a reminder in there that we will give you a call then to confirm that your retirement's gone through. We just need you to double check with your employer when they're expecting your last contribution to go into super. Once we receive that contribution and you turn 60, we'll get you to preprep all documents. So on your sixtieth birthday, we'll send those documents to you. You can sign them. We will then action the transfer into pension phase, move you wholly into pension phase. The main reason I wanna move wholly into pension phase before withdrawing the money is that in accumulation in super phase where you are now, your super pays income and capital gains tax. Whereas if we move you into this pension phase, it's a fully tax free system. So the intention phase is no income tax, so CGT tax, which means when we sell down the investment to draw the 110,000 out, it will be completely tax free to you, but it will also be tax free to your super fund. Instead of it paying, you know, 1 or $2,000 in tax to sell down investments, that'll all stay invested for you. Does that make sense? Yep. Beautiful. We we used to pay more than enough tax over your last time. You should save as much as possible in retirement. Excellent. So we will essentially organize that for you, have that drawdown paid as a pension payment. I'm doing it as a pension payment because when you move into pension phase, you do have minimum pensions that you have to make on a yearly basis. When you turn 60, it's currently 4%. So doing it as a pension payment means that you make that requirement, and then you don't have to take any more funds out for the year. So it means that we can keep the rest of the money sitting in there. It does also show that once with the projected balance, we expect to have in December to be about a $149,008.43. Once we draw that a 110,000 out, we do expect your current balance then to be about $39,843. So just so you're aware, that's what we're expecting. That will remain invested for you. Yep. Excellent. And as I kinda mentioned, I'm gonna organize organize a time early next year for myself, you, and Judith to all meet to have another updated conversation to look at your goals and to provide advice to you both again to move forward and continue growing everything. Okay? Excellent. All good. That is essentially the bulk of the recommendations there. It's just about doing the investment switch now and then rolling in the pension phase when you retire and then drawing the 110,000 down, and then we'll make sure we meet again early next year so you have it all updated. The only other thing I need to make mention is when we open that pension account, we still need to have a beneficiary nomination applied to it. So I will recommend that my team set up a binding on that same beneficiary, the same as your super onto your pension, and nominate the full amount fee paid to Judith in the event that something happens to you. Okay? Excellent. Nice and easy one for you. You're welcome to go back and have a good read of the document there. As there's no additional upfront or implementation fees, this is the advice you're on an ongoing service agreement with us at the moment. You pay 1.10%. The amount in there is based on the current balance. We know that that amount would decrease when the 110,000 is drawn out, but we've just estimated the the fee amount to be on the total balance currently for you. Okay? Easy. Do you have any questions for me? Please let me know if you do. Yep. Sure. Yes. So what you'll do is when we open the pension account, my team will ask for your bank account information. It just needs to be a bank account that you're able to essentially receive funds to. Once the funds are received, it is wise to move the funds out of your access account. So if you're gonna want the 110,000 is received into the bank account there, pay off any bills that you're wanting to pay off, get all that sorted. And then if you have a large sum of savings, if you've got, like, a savings account you can move it into, try and move as much as you can out of your access account. It's generally not advisable to leave large sums of money in your access account because when you think about scammers and things like that, when people get access, they tend to get access to an access account or an everyday account. So yeah. And your banker will probably mention that to you as well. It's a large sum, move a bit out, and you can just move money back into your everyday account as you need to spend it or if there's a certain amount you need to leave in there. Absolutely. But it's just sort of make sure that that money's available. Fantastic. Fantastic. So and what are there any other questions that you might have? You're welcome. So sorry. No. You definitely don't. Essentially, all we do is assign the declaration. We just pick a box to say that you're 60, that you've confirmed that you are retired. It's just a declaration that we make that you sign off on as part of the application for pension. So you don't need a separation certificate at all. Yeah. Yeah. You're right. No. That's okay. So your birthday is actually on the December 15. So we will be able to send those documents to you on the December 15. It takes a couple of days for the pension account to be physically open. So I would probably say within a week or two is when you're probably gonna receive that payment, but we will make sure that we confirm the date of that payment for you to make it easier. Okay? So once the pension account opens, we can confirm the date that it'll come out to make it easier on you. Before Christmas. No worries at all. Yeah. Excellent. Easy. You're absolutely fine. If anything else please comes up, please let me know. You're welcome to take some time to reach the documents, show Judith, or whatever you're comfortable doing. And once you're happy to proceed with that one, we'll just get you to sign the bottom of that page, return everything back to us, and we can start the implementation process there for you. Okay? Let's if you scroll down to the very bottom, you'll see the little sign section there. There. Yep. Thank you. I will look after you. I promise. That's okay. The excellent. The other thing I need to do, Michael, is I'd also need to Are you we have a new system for updating identification called the safe ID. It's a more secure way of updating a client's identification. It's approved by Aptive and the Financial Planning and Association. Are you comfortable if I send that link to you via email and get you to to follow the prompts to update your identification on file with us? Yep. Fantastic. I'll get that done up shortly and send it through to you, and I'll get my colleagues to give you a call once it's gone to let you know it's in your email ready to go. It just comes through from Safe ID, and it's just a process to say that we are trying to get your identification updated. You press the button and follow the link. If you have trouble, please let me know. Okay? Oh, fantastic. She's a good soul, isn't she? Beautiful. How are you going with that document there? I'm just clicking the email to see if it's come through. It does sometimes take a second to come back. On the bottom of yours, does it say anything else? It might still be thinking about it. There we go. I'll just there we go. It's come through. Fantastic. Thank you so much for that, Michael. We'll get cracking on that investment switch and get that sorted. I'll get that ID link sent to you to update your ID on file. And then if you have any questions or issues, let me know, and we'll make sure we have the link set up to give you a call on the December 3 to organize on the first Wednesday there to organize that pension application. We can't send it to you to sign until your actual birthday for the fifteenth, but we can give you a call in advance just to reconfirm things and just make sure we know when your last super payment's going into your super. Okay? That's it. Let me check. You're at December. Okay. Perfect. So the second is when the final payment should be received. Yep. Perfect. Not a problem at all. We'll get all that sorted. Are you comfortable with receiving those docs on your birthday to sign? Just making sure that's okay with you. Yep. Yep. Beautiful. Beautiful. Some people do go, no. No. No. Don't. But if we send it on the day, it makes it a bit easier. That means we're able to process everything a little bit quicker for you as well. Okay. Fantastic. Well, thank you so much for your time, Michael. If you do find there's any questions coming up, just let me know. In the meantime, we'll get cracking on the investment switch, and we'll be in touch in a few months to organize that pension application for you. Okay? My my pleasure. I hope you have a good day. I hope they have a good send off for you as well. I love it. Fantastic. Well, thank thank you for your time. I hope you enjoy the rest of your day. Thank you. See you later. 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Michael. It's Dana from Ophiu Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in to go through your updated statement of advice. Is now still a good time for you? Fantastic. I'm just gonna get through to you via email. Are you able to pop into your emails at the moment at all?\n\nYes. Fantastic. I'm just pressing send on this one. It's normally easier if you're looking at the advice document with me. That's all.\n\nNow, hopefully, it comes through fairly quickly for you. I do apologize if it doesn't. Emails sometimes let me sometimes don't. Has anything come through as of yet? No.\n\nThat's okay. Double check your junk mail as well. It's telling me that it has just gone through. No. Then that's okay.\n\nWe'll just give it another minute and see if it pop through for you. Mhmm. Definitely sending. Yeah. It's definitely gone through.\n\nPush one again. That's okay. Yeah. You're right. I might just resend it again to you.\n\nI'll just pop back out and resend because I know yesterday and today the email was a little bit slow, so it might be easier if I just resend it to you. Yeah. No. That's okay. I'm just quickly writing a new message in there for you, and I'll just reattach these documents to make it easier.\n\nHere we go. I'll just press send on this one again to see if this one comes through. I know last time we're having the same problem. It was just the emails are taking a really long time to come through. So I'll just resend this one again for you, and, hopefully, the second link will be better.\n\nThat's all good. Other than that no. That's okay. All good. Other than that, though, how's your day been so far?\n\nFantastic. Excellent. Yeah. Oh, yes. So you've basically done a whole day by the time I start work.\n\nYeah. No. No. All good. Before we jump into the call, just while that email is coming through to you there, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Oh, fantastic. And I'll just do a really quick security test there with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nYep. Perfect. Fantastic. Excellent. Thank you so much for that.\n\nExcellent. So when you get that, that email should have come through there as you mentioned. If you just click on the sign button, it'll allow you to move forward so you can view the document and move up and down through it. It will not ask you to sign anything until you get to the end of it, and I would like to go through it before you do sign it to make sure that you've understood it all. Okay?\n\nYep. That's the one. Yeah. Perfect. Sorry.\n\nYeah. You're right. Yeah. Perfect. So on the front page here, it says statement advised as prepared for yourself on the 10/06/2020 oh, sorry.\n\n08/06/2026. I'm a few months ahead of myself. Essentially, on the, isn't it? On the bottom there, it's got down prepared by myself and my lovely team here at OCE Financial, and my authorized representative number is 1304394. If you scroll forward, the next page outlines that any advice provided is provided under the best interest duty, which is part of the corporations act, and we're licensed under section nine of that.\n\nIf you move down to page number three and four, this essentially just shows that we're scoping in and out areas of the advice. So with this one here, we're looking at your superannuation and retirement aspect. So you are almost ready to retire. You turn 60 in December. We're looking to have you retire at that point, move you into the pension phase, and draw at a 110,000 so that you're able to pay off any debt, take some time off, purchase a new car, and have a bit of a holiday there as well.\n\nOkay? Beautiful. Underneath that, we're scoping cash flow, budgeting, and debt because the reason for withdrawing that amount of money is to cover the debt as well. So that has been scoped in for you. Areas that we're not considering on page number five.\n\nThis is areas of insurance. If you don't have any insurances, we can look at those down the track depending on changes to your circumstance that you are happy not having any currently. We're also wanting to explore we're also wanting to down the track and look at Social Security. So I have to go to app for now because after speaking to yourself and Judith, we did agree that early next year, we'll come back together with the two of you. I'll update and change some advice and rehab a conversation with the two of you together, and we'll update a joint advice document with that one, what your joint goals are, what your plans are moving forward after this first year, three months you've enjoyed off, and then we can look at updating the advice and also factor in Social Security down the track there for you as well.\n\nOkay? Excellent. Excellent. I've got on sec page number 70 about you section. Do you see any major changes that would need to be updated in relation to that area there at all, or is that all fairly much the same as it was?\n\nPerfect. So sorry. All good. And then the next page outlines your personal assets and liabilities that you've noted down there, which will all basically be gone in a few months' time, which is fantastic. Perfect.\n\nNow I will let you go back after the call and definitely have a read to the document. As you are sort of scrolling through, from page 11 onwards, it outlines all the recommendations as kind of breaks or damages the wording. We know that's interest to you, so relating the recommendations back to your goal. And then we do also note the advantages, disadvantages, and the risks involved. To make it easier on yourself easy.\n\nI'll easy. I'll get you to go to page number 18 for me, and I'll take you through the recommendations. I'll just have to the pages that I need to, and then you're welcome to go back and have a really good read of the document thereafter. Okay? 18.\n\nYeah. Fantastic. So with page 18 there, essentially, it is showing you your current investment portfolio. So one of the things that we talked about was starting off by reducing your risk level. So at the moment, you're in more of a growth portfolio.\n\nBecause you are looking to retire in the next few months, we wanted to put some things in place to reduce your risk level. So as you are moving closer to being able to access your funds, that you're not going through such high highs and low lows that the market can provide. So in order to reduce your risk level, we need to update your portfolio. So these are the changes that we're going to make. We're going to sell off, sorry, the battery and lithium tax, the ban among Australian equities, the bank hybrids are gonna be gone as well.\n\nWe're going to keep the physical gold and buy more of that. We wanna hold about 10% in your portfolio to increasing your physical gold exposure. We want to also decrease the cyber security. So we still wanna keep cyber security in your portfolio, but decrease the level of exposure to 3% from currently 8%. Also wanna increase the defensive the defensive component of your portfolio.\n\nThis is more lower risk and income producing. So increasing your exposure into core composite funds. So increasing from 8% to 25%, we're going to sell off some S and P 500 to reduce you down to 22%, sell off all the bare neck property, sell off all of the Rafi 200, and then we're gonna buy into the European exposure, the Vanguard All World Index, the BetaShares a 200, and also some high interest cash account there as well. So the red is what we're gonna sell off, the green is what we're gonna buy, and the last column, which is your target balance, is where you will see essentially all your super invested moving forward. Does that make sense?\n\nBeautiful. That is reducing your risk level, which is fantastic. It's also updating your portfolio, which is going to be really good. If you scroll down for me just to page number 21, I can show you the outcome expected. 21.\n\nSo sorry. Yes. The fee comparison table. Is that what you're looking at? Yes.\n\nPage 21 is the one we're up. Sorry. That's okay. You're fine. Oh, no.\n\nYeah. No. That's absolutely fine. So the first column outlines your current balance of $147,001.59. You've got your administration fees, investment fees, your ongoing service fee for us looking after your super and providing the advice.\n\nYour contributions going in, that's including your current salary sacrifice, and there's no insurance premium coming out. At the moment, you're in that growth environment, which is 80% invested in those higher risk investments. So you and when you think about risk out of the number between one and five, you're sitting at about three there. But having 80% in those higher risk investments does see more ups and downs with your balance increases. So being as you're only about four months out from accessing your super, we wanted to reduce your risk level a little bit and protect more of your capital.\n\nSo, essentially, the growth portfolio, when we look at it over the past five years, it's averaged about 8.92%, which is by no means bad. But in in reducing your risk level, we're gonna make those alterations to your portfolio. And on the bottom line, the balanced portfolio, when we look at that over the past five years, has actually seen a 9.01% return. So this sort of portfolio is reducing a risk level, but it's also seeing good past performance, which can, in the future, also provide greater future performance as well. Okay?\n\nNow it's important to note that your super fund, just like you, does pay capital gains tax. It does a tax return every year as well. So in the top differences column there, you'll see the the number $729. In order to make the changes in your portfolio, your super fund will account for capital gains tax, and it's estimated to be $729 there. Okay?\n\nThe good thing the other good thing about this portfolio is that it's also got a lower cost for investment fees. So at the moment, your current portfolio, you pay about $608. With the recommended, it reduces your investment fees to 200 and $33 for the year. So it is saving you about $375 in the way of investment fees in the first year as well. So it's a lower cost portfolio performing well and also reducing your risk level.\n\nOkay? Excellent. The ongoing service fee does continue to come there, and over the next four months, we still will see your contributions going into the portfolio. Essentially, we will see growth out of the portfolio, but we do know that over the next four months, it will be minimal growth, and it's still important to put these things in place to protect your super. So when we consider the projection at the bottom there over the next four months between where you could be if you stayed where you are versus making the changes, we do note that you would be worth up by that $614.\n\nBut it is still best to make the the change to reduce the risk level and to be in that lower cost portfolio. Essentially, you still wanna pull some money out to be able to pay off your debt and enjoy you the first few months of your time, and then we're gonna come back and review everything and update the advice to keep you super growing and working for you. So making these changes is still gonna be in best interest. Okay? Beautiful.\n\nDo do you have any questions so far, Mark? Was there anything that flagged us now? Excellent. If you go down to page number 23 for me, this is just outlining that once we've made those changes so we're gonna now start by just doing the investment switch. Once the investment switch has been completed now, your portfolio will be sitting in that newer portfolio for the next four months.\n\nMy team will then add a flag that in December, we will give you a call when you're about to retire. We'll get you to confirm that you have retired. I'll probably get them to call you about a week out. We'll just say, hey. Just confirm me yep.\n\nBeautiful. So I will that's Wednesday. Yep. Absolutely. I will add a reminder in there that we will give you a call then to confirm that your retirement's gone through.\n\nWe just need you to double check with your employer when they're expecting your last contribution to go into super. Once we receive that contribution and you turn 60, we'll get you to preprep all documents. So on your sixtieth birthday, we'll send those documents to you. You can sign them. We will then action the transfer into pension phase, move you wholly into pension phase.\n\nThe main reason I wanna move wholly into pension phase before withdrawing the money is that in accumulation in super phase where you are now, your super pays income and capital gains tax. Whereas if we move you into this pension phase, it's a fully tax free system. So the intention phase is no income tax, so CGT tax, which means when we sell down the investment to draw the 110,000 out, it will be completely tax free to you, but it will also be tax free to your super fund. Instead of it paying, you know, 1 or $2,000 in tax to sell down investments, that'll all stay invested for you. Does that make sense?\n\nYep. Beautiful. We we used to pay more than enough tax over your last time. You should save as much as possible in retirement. Excellent.\n\nSo we will essentially organize that for you, have that drawdown paid as a pension payment. I'm doing it as a pension payment because when you move into pension phase, you do have minimum pensions that you have to make on a yearly basis. When you turn 60, it's currently 4%. So doing it as a pension payment means that you make that requirement, and then you don't have to take any more funds out for the year. So it means that we can keep the rest of the money sitting in there.\n\nIt does also show that once with the projected balance, we expect to have in December to be about a $149,008.43. Once we draw that a 110,000 out, we do expect your current balance then to be about $39,843. So just so you're aware, that's what we're expecting. That will remain invested for you. Yep.\n\nExcellent. And as I kinda mentioned, I'm gonna organize organize a time early next year for myself, you, and Judith to all meet to have another updated conversation to look at your goals and to provide advice to you both again to move forward and continue growing everything. Okay? Excellent. All good.\n\nThat is essentially the bulk of the recommendations there. It's just about doing the investment switch now and then rolling in the pension phase when you retire and then drawing the 110,000 down, and then we'll make sure we meet again early next year so you have it all updated. The only other thing I need to make mention is when we open that pension account, we still need to have a beneficiary nomination applied to it. So I will recommend that my team set up a binding on that same beneficiary, the same as your super onto your pension, and nominate the full amount fee paid to Judith in the event that something happens to you. Okay?\n\nExcellent. Nice and easy one for you. You're welcome to go back and have a good read of the document there. As there's no additional upfront or implementation fees, this is the advice you're on an ongoing service agreement with us at the moment. You pay 1.10%.\n\nThe amount in there is based on the current balance. We know that that amount would decrease when the 110,000 is drawn out, but we've just estimated the the fee amount to be on the total balance currently for you. Okay? Easy. Do you have any questions for me?\n\nPlease let me know if you do. Yep. Sure. Yes. So what you'll do is when we open the pension account, my team will ask for your bank account information.\n\nIt just needs to be a bank account that you're able to essentially receive funds to. Once the funds are received, it is wise to move the funds out of your access account. So if you're gonna want the 110,000 is received into the bank account there, pay off any bills that you're wanting to pay off, get all that sorted. And then if you have a large sum of savings, if you've got, like, a savings account you can move it into, try and move as much as you can out of your access account. It's generally not advisable to leave large sums of money in your access account because when you think about scammers and things like that, when people get access, they tend to get access to an access account or an everyday account.\n\nSo yeah. And your banker will probably mention that to you as well. It's a large sum, move a bit out, and you can just move money back into your everyday account as you need to spend it or if there's a certain amount you need to leave in there. Absolutely. But it's just sort of make sure that that money's available.\n\nFantastic. Fantastic. So and what are there any other questions that you might have? You're welcome. So sorry.\n\nNo. You definitely don't. Essentially, all we do is assign the declaration. We just pick a box to say that you're 60, that you've confirmed that you are retired. It's just a declaration that we make that you sign off on as part of the application for pension.\n\nSo you don't need a separation certificate at all. Yeah. Yeah. You're right. No.\n\nThat's okay. So your birthday is actually on the December 15. So we will be able to send those documents to you on the December 15. It takes a couple of days for the pension account to be physically open. So I would probably say within a week or two is when you're probably gonna receive that payment, but we will make sure that we confirm the date of that payment for you to make it easier.\n\nOkay? So once the pension account opens, we can confirm the date that it'll come out to make it easier on you. Before Christmas. No worries at all. Yeah.\n\nExcellent. Easy. You're absolutely fine. If anything else please comes up, please let me know. You're welcome to take some time to reach the documents, show Judith, or whatever you're comfortable doing.\n\nAnd once you're happy to proceed with that one, we'll just get you to sign the bottom of that page, return everything back to us, and we can start the implementation process there for you. Okay? Let's if you scroll down to the very bottom, you'll see the little sign section there. There. Yep.\n\nThank you. I will look after you. I promise. That's okay. The excellent.\n\nThe other thing I need to do, Michael, is I'd also need to Are you we have a new system for updating identification called the safe ID. It's a more secure way of updating a client's identification. It's approved by Aptive and the Financial Planning and Association. Are you comfortable if I send that link to you via email and get you to to follow the prompts to update your identification on file with us? Yep.\n\nFantastic. I'll get that done up shortly and send it through to you, and I'll get my colleagues to give you a call once it's gone to let you know it's in your email ready to go. It just comes through from Safe ID, and it's just a process to say that we are trying to get your identification updated. You press the button and follow the link. If you have trouble, please let me know.\n\nOkay? Oh, fantastic. She's a good soul, isn't she? Beautiful. How are you going with that document there?\n\nI'm just clicking the email to see if it's come through. It does sometimes take a second to come back. On the bottom of yours, does it say anything else? It might still be thinking about it. There we go.\n\nI'll just there we go. It's come through. Fantastic. Thank you so much for that, Michael. We'll get cracking on that investment switch and get that sorted.\n\nI'll get that ID link sent to you to update your ID on file. And then if you have any questions or issues, let me know, and we'll make sure we have the link set up to give you a call on the December 3 to organize on the first Wednesday there to organize that pension application. We can't send it to you to sign until your actual birthday for the fifteenth, but we can give you a call in advance just to reconfirm things and just make sure we know when your last super payment's going into your super. Okay? That's it.\n\nLet me check. You're at December. Okay. Perfect. So the second is when the final payment should be received.\n\nYep. Perfect. Not a problem at all. We'll get all that sorted. Are you comfortable with receiving those docs on your birthday to sign?\n\nJust making sure that's okay with you. Yep. Yep. Beautiful. Beautiful.\n\nSome people do go, no. No. No. Don't. But if we send it on the day, it makes it a bit easier.\n\nThat means we're able to process everything a little bit quicker for you as well. Okay. Fantastic. Well, thank you so much for your time, Michael. If you do find there's any questions coming up, just let me know.\n\nIn the meantime, we'll get cracking on the investment switch, and we'll be in touch in a few months to organize that pension application for you. Okay? My my pleasure. I hope you have a good day. I hope they have a good send off for you as well.\n\nI love it. Fantastic. Well, thank thank you for your time. I hope you enjoy the rest of your day. Thank you.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Michael.","start":2.1599998,"end":2.8,"sentiment":"neutral","sentiment_score":0.20396366715431213},{"text":"It's Dana from Ophiu Financial.","start":2.8,"end":4.4,"sentiment":"neutral","sentiment_score":0.20460029244422911},{"text":"How are you today?","start":4.4,"end":5.38,"sentiment":"neutral","sentiment_score":0.17700226604938507},{"text":"I'm very well.","start":7.3599997,"end":8.32,"sentiment":"positive","sentiment_score":0.6079491575558981},{"text":"Thank you.","start":8.32,"end":8.88,"sentiment":"positive","sentiment_score":0.6816236972808838}],"sentiment":"neutral","sentiment_score":0.33287704549729824,"num_words":16,"start":2.1599998,"end":8.88},{"sentences":[{"text":"I had you booked in to go through your updated statement of advice.","start":8.88,"end":12.559999,"sentiment":"positive","sentiment_score":0.35944098463425267},{"text":"Is now still a good time for you?","start":12.559999,"end":14.42,"sentiment":"neutral","sentiment_score":0.2744451928883791},{"text":"Fantastic.","start":15.255,"end":15.755,"sentiment":"positive","sentiment_score":0.7369153499603271},{"text":"I'm just gonna get through to you via email.","start":17.495,"end":20.375,"sentiment":"positive","sentiment_score":0.3586937487125397},{"text":"Are you able to pop into your emails at the moment at all?","start":20.375,"end":23.675,"sentiment":"neutral","sentiment_score":0.17144239178070655}],"sentiment":"neutral","sentiment_score":0.2968682846562429,"num_words":44,"start":8.88,"end":23.675},{"sentences":[{"text":"Yes.","start":25.494999,"end":25.895,"sentiment":"neutral","sentiment_score":0.24070259928703308},{"text":"Fantastic.","start":25.895,"end":26.395,"sentiment":"positive","sentiment_score":0.512211799621582},{"text":"I'm just pressing send on this one.","start":26.695,"end":28.635,"sentiment":"neutral","sentiment_score":0.2943881026336125},{"text":"It's normally easier if you're looking at the advice document with me.","start":29.095001,"end":32.89,"sentiment":"neutral","sentiment_score":0.2782381574312846},{"text":"That's all.","start":32.89,"end":33.79,"sentiment":"neutral","sentiment_score":0.29147088527679443}],"sentiment":"neutral","sentiment_score":0.2928448163944742,"num_words":23,"start":25.494999,"end":33.79},{"sentences":[{"text":"Now, hopefully, it comes through fairly quickly for you.","start":35.85,"end":38.33,"sentiment":"positive","sentiment_score":0.4185347358385722},{"text":"I do apologize if it doesn't.","start":38.33,"end":39.95,"sentiment":"neutral","sentiment_score":-0.10741211225589116},{"text":"Emails sometimes let me sometimes don't.","start":40.010002,"end":42.35,"sentiment":"neutral","sentiment_score":-0.09399531905849774},{"text":"Has anything come through as of yet?","start":61.32,"end":65.08,"sentiment":"neutral","sentiment_score":-0.13187675497361592},{"text":"No.","start":65.08,"end":65.32,"sentiment":"neutral","sentiment_score":-0.1691734343767166}],"sentiment":"neutral","sentiment_score":0.050553700533406486,"num_words":29,"start":35.85,"end":65.32},{"sentences":[{"text":"That's okay.","start":65.32,"end":66.119995,"sentiment":"neutral","sentiment_score":-0.16164571046829224},{"text":"Double check your junk mail as well.","start":66.119995,"end":67.799995,"sentiment":"neutral","sentiment_score":-0.23231304117611476},{"text":"It's telling me that it has just gone through.","start":67.799995,"end":71.18,"sentiment":"neutral","sentiment_score":-0.22489848070674473},{"text":"No.","start":72.04,"end":72.28,"sentiment":"neutral","sentiment_score":-0.18469887971878052},{"text":"Then that's okay.","start":72.28,"end":73.08,"sentiment":"neutral","sentiment_score":-0.11942273130019505}],"sentiment":"neutral","sentiment_score":-0.20529709587042982,"num_words":22,"start":65.32,"end":73.08},{"sentences":[{"text":"We'll just give it another minute and see if it pop through for you.","start":73.08,"end":85.155,"sentiment":"neutral","sentiment_score":-0.040495114134890695},{"text":"Mhmm.","start":86.005005,"end":86.255005,"sentiment":"neutral","sentiment_score":-0.009925308637320995},{"text":"Definitely sending.","start":86.255005,"end":87.235,"sentiment":"neutral","sentiment_score":-0.000697340816259384},{"text":"Yeah.","start":87.799995,"end":87.96,"sentiment":"neutral","sentiment_score":0.04618974030017853},{"text":"It's definitely gone through.","start":87.96,"end":89.079994,"sentiment":"neutral","sentiment_score":0.0660309586673975}],"sentiment":"neutral","sentiment_score":-0.012179000599479134,"num_words":22,"start":73.08,"end":89.079994},{"sentences":[{"text":"Push one again.","start":89.079994,"end":90.06,"sentiment":"neutral","sentiment_score":0.002289042497674624},{"text":"That's okay.","start":95.479996,"end":96.22,"sentiment":"neutral","sentiment_score":-0.013919953256845474},{"text":"Yeah.","start":99.08,"end":99.32,"sentiment":"neutral","sentiment_score":0.0027122702449560165},{"text":"You're right.","start":99.32,"end":100.14,"sentiment":"neutral","sentiment_score":0.02586608193814755},{"text":"I might just resend it again to you.","start":102.585,"end":105.225,"sentiment":"neutral","sentiment_score":0.006099444115534425}],"sentiment":"neutral","sentiment_score":0.005141700501553714,"num_words":16,"start":89.079994,"end":105.225},{"sentences":[{"text":"I'll just pop back out and resend because I know yesterday and today the email was a little bit slow, so it might be easier if I just resend it to you.","start":105.225,"end":115.245,"sentiment":"neutral","sentiment_score":-0.04716680390993133},{"text":"Yeah.","start":122.92999,"end":123.42999,"sentiment":"neutral","sentiment_score":-0.012578473426401615},{"text":"No.","start":134.085,"end":134.32501,"sentiment":"neutral","sentiment_score":-0.07574737071990967},{"text":"That's okay.","start":134.32501,"end":135.145,"sentiment":"neutral","sentiment_score":-0.01585681363940239},{"text":"I'm just quickly writing a new message in there for you, and I'll just reattach these documents to make it easier.","start":137.365,"end":143.225,"sentiment":"neutral","sentiment_score":0.07250263861247472}],"sentiment":"neutral","sentiment_score":-0.0018740664154552576,"num_words":57,"start":105.225,"end":143.225},{"sentences":[{"text":"Here we go.","start":152.2,"end":153.02,"sentiment":"neutral","sentiment_score":0.05677814409136772},{"text":"I'll just press send on this one again to see if this one comes through.","start":154.36,"end":157.4,"sentiment":"neutral","sentiment_score":0.02300719954073429},{"text":"I know last time we're having the same problem.","start":157.4,"end":159.51999,"sentiment":"neutral","sentiment_score":-0.11531141069200304},{"text":"It was just the emails are taking a really long time to come through.","start":159.51999,"end":162.54501,"sentiment":"neutral","sentiment_score":-0.23676531442574092},{"text":"So I'll just resend this one again for you, and, hopefully, the second link will be better.","start":162.54501,"end":166.96501,"sentiment":"neutral","sentiment_score":0.02581983202082269}],"sentiment":"neutral","sentiment_score":-0.058588578076712014,"num_words":58,"start":152.2,"end":166.96501},{"sentences":[{"text":"That's all good.","start":167.10501,"end":168.065,"sentiment":"positive","sentiment_score":0.385582039753596},{"text":"Other than that no.","start":168.065,"end":171.74501,"sentiment":"neutral","sentiment_score":-0.061971910297870636},{"text":"That's okay.","start":171.74501,"end":172.725,"sentiment":"neutral","sentiment_score":-0.0039423368871212006},{"text":"All good.","start":173.02501,"end":173.765,"sentiment":"neutral","sentiment_score":0.20810984075069427},{"text":"Other than that, though, how's your day been so far?","start":173.82501,"end":176.31,"sentiment":"neutral","sentiment_score":0.0642586637288332}],"sentiment":"neutral","sentiment_score":0.09332286300403732,"num_words":21,"start":167.10501,"end":176.31},{"sentences":[{"text":"Fantastic.","start":180.55,"end":181.05,"sentiment":"positive","sentiment_score":0.6048203110694885},{"text":"Excellent.","start":183.27,"end":183.77,"sentiment":"positive","sentiment_score":0.49715542793273926},{"text":"Yeah.","start":184.79,"end":185.29,"sentiment":"neutral","sentiment_score":0.169917494058609},{"text":"Oh, yes.","start":185.34999,"end":185.75,"sentiment":"neutral","sentiment_score":0.15153230726718903},{"text":"So you've basically done a whole day by the time I start work.","start":185.75,"end":188.81,"sentiment":"neutral","sentiment_score":0.1998766018794133}],"sentiment":"neutral","sentiment_score":0.23185298177931044,"num_words":18,"start":180.55,"end":188.81},{"sentences":[{"text":"Yeah.","start":191.00499,"end":191.245,"sentiment":"neutral","sentiment_score":0.17960810661315918},{"text":"No.","start":191.245,"end":191.745,"sentiment":"neutral","sentiment_score":0.0554717555642128},{"text":"No.","start":193.565,"end":193.965,"sentiment":"neutral","sentiment_score":0.02661646157503128},{"text":"All good.","start":193.965,"end":194.78499,"sentiment":"neutral","sentiment_score":0.12440146878361702},{"text":"Before we jump into the call, just while that email is coming through to you there, just to let you know, we do record our calls for quality and training purposes.","start":195.325,"end":201.485,"sentiment":"neutral","sentiment_score":0.060250974110057275}],"sentiment":"neutral","sentiment_score":0.06606331829809481,"num_words":36,"start":191.00499,"end":201.485},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":201.485,"end":203.7,"sentiment":"neutral","sentiment_score":0.11488009906477398},{"text":"Oh, fantastic.","start":206.34,"end":207.31999,"sentiment":"positive","sentiment_score":0.4331262558698654},{"text":"And I'll just do a really quick security test there with you as well.","start":207.94,"end":210.58,"sentiment":"neutral","sentiment_score":0.20792822326932633},{"text":"Just get you to confirm your full name, your date of birth, and address I should have on file.","start":210.58,"end":214.59999,"sentiment":"neutral","sentiment_score":0.10011859787137885},{"text":"Yep.","start":217.7,"end":218.115,"sentiment":"neutral","sentiment_score":0.02803463116288185}],"sentiment":"neutral","sentiment_score":0.14981014488471878,"num_words":45,"start":201.485,"end":218.115},{"sentences":[{"text":"Yep.","start":220.43501,"end":220.93501,"sentiment":"neutral","sentiment_score":0.03747951239347458},{"text":"Perfect.","start":227.955,"end":228.455,"sentiment":"neutral","sentiment_score":0.13000643253326416},{"text":"Fantastic.","start":230.63,"end":231.13,"sentiment":"positive","sentiment_score":0.3830873966217041},{"text":"Excellent.","start":231.43,"end":231.91,"sentiment":"positive","sentiment_score":0.41937607526779175},{"text":"Thank you so much for that.","start":231.91,"end":233.51,"sentiment":"positive","sentiment_score":0.5679162343343099}],"sentiment":"positive","sentiment_score":0.4377446822822094,"num_words":10,"start":220.43501,"end":233.51},{"sentences":[{"text":"Excellent.","start":233.51,"end":234.01,"sentiment":"positive","sentiment_score":0.37539005279541016},{"text":"So when you get that, that email should have come through there as you mentioned.","start":234.70999,"end":237.91,"sentiment":"neutral","sentiment_score":0.20016735891501108},{"text":"If you just click on the sign button, it'll allow you to move forward so you can view the document and move up and down through it.","start":237.91,"end":244.635,"sentiment":"neutral","sentiment_score":0.1717515460870884},{"text":"It will not ask you to sign anything until you get to the end of it, and I would like to go through it before you do sign it to make sure that you've understood it all.","start":244.955,"end":252.235,"sentiment":"neutral","sentiment_score":0.04425945475294783},{"text":"Okay?","start":252.235,"end":252.735,"sentiment":"neutral","sentiment_score":0.039456263184547424}],"sentiment":"neutral","sentiment_score":0.1196573860483405,"num_words":81,"start":233.51,"end":252.735},{"sentences":[{"text":"Yep.","start":255.435,"end":255.67499,"sentiment":"neutral","sentiment_score":0.0480673722922802},{"text":"That's the one.","start":255.67499,"end":256.315,"sentiment":"neutral","sentiment_score":0.0735997383793195},{"text":"Yeah.","start":256.315,"end":256.555,"sentiment":"neutral","sentiment_score":0.12284954637289049},{"text":"Perfect.","start":256.555,"end":256.955,"sentiment":"neutral","sentiment_score":0.18271535634994507},{"text":"Sorry.","start":256.955,"end":257.455,"sentiment":"neutral","sentiment_score":0.08085726201534271}],"sentiment":"neutral","sentiment_score":0.09361267888120242,"num_words":7,"start":255.435,"end":257.455},{"sentences":[{"text":"Yeah.","start":264.71,"end":265.03,"sentiment":"neutral","sentiment_score":0.31454768776893616},{"text":"You're right.","start":265.03,"end":265.85,"sentiment":"positive","sentiment_score":0.3840406686067581},{"text":"Yeah.","start":274.535,"end":274.935,"sentiment":"positive","sentiment_score":0.479163110256195},{"text":"Perfect.","start":274.935,"end":275.415,"sentiment":"positive","sentiment_score":0.6785808205604553},{"text":"So on the front page here, it says statement advised as prepared for yourself on the 10/06/2020 oh, sorry.","start":275.415,"end":281.415,"sentiment":"neutral","sentiment_score":0.1455476703612428}],"sentiment":"neutral","sentiment_score":0.20857411219427982,"num_words":24,"start":264.71,"end":281.415},{"sentences":[{"text":"08/06/2026.","start":281.415,"end":283.01498,"sentiment":"neutral","sentiment_score":0.06954186409711838},{"text":"I'm a few months ahead of myself.","start":283.01498,"end":284.555,"sentiment":"neutral","sentiment_score":0.1256277859210968},{"text":"Essentially, on the, isn't it?","start":285.57498,"end":288.71002,"sentiment":"neutral","sentiment_score":0.024532891251146792},{"text":"On the bottom there, it's got down prepared by myself and my lovely team here at OCE Financial, and my authorized representative number is 1304394.","start":288.85,"end":297.75,"sentiment":"neutral","sentiment_score":0.11474954701960087},{"text":"If you scroll forward, the next page outlines that any advice provided is provided under the best interest duty, which is part of the corporations act, and we're licensed under section nine of that.","start":298.29,"end":308.415,"sentiment":"neutral","sentiment_score":0.02992251219556612}],"sentiment":"neutral","sentiment_score":0.06885701266583055,"num_words":72,"start":281.415,"end":308.415},{"sentences":[{"text":"If you move down to page number three and four, this essentially just shows that we're scoping in and out areas of the advice.","start":309.11502,"end":316.96002,"sentiment":"neutral","sentiment_score":0.05379275387773911},{"text":"So with this one here, we're looking at your superannuation and retirement aspect.","start":317.02002,"end":321.18,"sentiment":"neutral","sentiment_score":0.12601691828324244},{"text":"So you are almost ready to retire.","start":321.18,"end":323.28,"sentiment":"positive","sentiment_score":0.3821527830192021},{"text":"You turn 60 in December.","start":323.5,"end":325.36002,"sentiment":"neutral","sentiment_score":0.2744760632514954},{"text":"We're looking to have you retire at that point, move you into the pension phase, and draw at a 110,000 so that you're able to pay off any debt, take some time off, purchase a new car, and have a bit of a holiday there as well.","start":325.935,"end":339.075,"sentiment":"neutral","sentiment_score":0.3203761431765049}],"sentiment":"neutral","sentiment_score":0.2295247349732866,"num_words":96,"start":309.11502,"end":339.075},{"sentences":[{"text":"Okay?","start":340.27,"end":340.75,"sentiment":"neutral","sentiment_score":0.2974264621734619},{"text":"Beautiful.","start":340.75,"end":341.25,"sentiment":"positive","sentiment_score":0.6371878385543823},{"text":"Underneath that, we're scoping cash flow, budgeting, and debt because the reason for withdrawing that amount of money is to cover the debt as well.","start":341.79,"end":349.25,"sentiment":"neutral","sentiment_score":0.10224230170249939},{"text":"So that has been scoped in for you.","start":349.79,"end":351.71,"sentiment":"neutral","sentiment_score":0.06771977711468935},{"text":"Areas that we're not considering on page number five.","start":351.71,"end":354.43,"sentiment":"neutral","sentiment_score":-0.07442577224638727}],"sentiment":"neutral","sentiment_score":0.07642268431796269,"num_words":44,"start":340.27,"end":354.43},{"sentences":[{"text":"This is areas of insurance.","start":354.43,"end":355.63,"sentiment":"neutral","sentiment_score":-0.09822548627853393},{"text":"If you don't have any insurances, we can look at those down the track depending on changes to your circumstance that you are happy not having any currently.","start":355.63,"end":363.145,"sentiment":"neutral","sentiment_score":-0.019592654891312122},{"text":"We're also wanting to explore we're also wanting to down the track and look at Social Security.","start":363.765,"end":369.22,"sentiment":"neutral","sentiment_score":0.11902568527661703},{"text":"So I have to go to app for now because after speaking to yourself and Judith, we did agree that early next year, we'll come back together with the two of you.","start":369.22,"end":378.2,"sentiment":"neutral","sentiment_score":0.07531273050699383},{"text":"I'll update and change some advice and rehab a conversation with the two of you together, and we'll update a joint advice document with that one, what your joint goals are, what your plans are moving forward after this first year, three months you've enjoyed off, and then we can look at updating the advice and also factor in Social Security down the track there for you as well.","start":378.5,"end":398.44998,"sentiment":"neutral","sentiment_score":0.13378966178583063}],"sentiment":"neutral","sentiment_score":0.08361065510463044,"num_words":151,"start":354.43,"end":398.44998},{"sentences":[{"text":"Okay?","start":398.44998,"end":398.94998,"sentiment":"neutral","sentiment_score":0.0909072682261467},{"text":"Excellent.","start":401.25,"end":401.75,"sentiment":"positive","sentiment_score":0.6287269592285156},{"text":"Excellent.","start":401.97,"end":402.47,"sentiment":"positive","sentiment_score":0.5548664331436157},{"text":"I've got on sec page number 70 about you section.","start":403.25,"end":407.43,"sentiment":"neutral","sentiment_score":0.16288116723299026},{"text":"Do you see any major changes that would need to be updated in relation to that area there at all, or is that all fairly much the same as it was?","start":408.05,"end":416.245,"sentiment":"neutral","sentiment_score":0.03274223568939393}],"sentiment":"neutral","sentiment_score":0.08905276452953165,"num_words":44,"start":398.44998,"end":416.245},{"sentences":[{"text":"Perfect.","start":419.585,"end":420.085,"sentiment":"neutral","sentiment_score":0.2104235142469406},{"text":"So sorry.","start":421.505,"end":422.245,"sentiment":"neutral","sentiment_score":0.038165200501680374},{"text":"All good.","start":422.865,"end":423.60498,"sentiment":"positive","sentiment_score":0.4180089384317398},{"text":"And then the next page outlines your personal assets and liabilities that you've noted down there, which will all basically be gone in a few months' time, which is fantastic.","start":425.69998,"end":434.91998,"sentiment":"neutral","sentiment_score":0.25473170056939126},{"text":"Perfect.","start":437.38,"end":437.88,"sentiment":"positive","sentiment_score":0.35893285274505615}],"sentiment":"neutral","sentiment_score":0.2534348794983493,"num_words":36,"start":419.585,"end":437.88},{"sentences":[{"text":"Now I will let you go back after the call and definitely have a read to the document.","start":438.64502,"end":442.42502,"sentiment":"neutral","sentiment_score":0.14171251902977625},{"text":"As you are sort of scrolling through, from page 11 onwards, it outlines all the recommendations as kind of breaks or damages the wording.","start":442.80502,"end":450.48502,"sentiment":"neutral","sentiment_score":0.0504723148381648},{"text":"We know that's interest to you, so relating the recommendations back to your goal.","start":450.48502,"end":456.44525,"sentiment":"neutral","sentiment_score":0.04687914478459528},{"text":"And then we do also note the advantages, disadvantages, and the risks involved.","start":456.44525,"end":459.07,"sentiment":"neutral","sentiment_score":0.02040010690689087},{"text":"To make it easier on yourself easy.","start":459.07,"end":462.35,"sentiment":"neutral","sentiment_score":0.0388439345572676}],"sentiment":"neutral","sentiment_score":0.06520497180693048,"num_words":76,"start":438.64502,"end":462.35},{"sentences":[{"text":"I'll easy.","start":462.35,"end":464.19,"sentiment":"neutral","sentiment_score":0.2560041546821594},{"text":"I'll get you to go to page number 18 for me, and I'll take you through the recommendations.","start":464.19,"end":468.85498,"sentiment":"neutral","sentiment_score":0.16312481835484505},{"text":"I'll just have to the pages that I need to, and then you're welcome to go back and have a really good read of the document thereafter.","start":469.07498,"end":474.535,"sentiment":"neutral","sentiment_score":0.25721126077351747},{"text":"Okay?","start":474.915,"end":475.415,"sentiment":"neutral","sentiment_score":0.06452348083257675},{"text":"18.","start":477.475,"end":477.875,"sentiment":"neutral","sentiment_score":0.0173328947275877}],"sentiment":"neutral","sentiment_score":0.21377174400401358,"num_words":49,"start":462.35,"end":477.875},{"sentences":[{"text":"Yeah.","start":477.875,"end":478.375,"sentiment":"neutral","sentiment_score":0.0489521324634552},{"text":"Fantastic.","start":481.17,"end":481.67,"sentiment":"positive","sentiment_score":0.49707093834877014},{"text":"So with page 18 there, essentially, it is showing you your current investment portfolio.","start":483.73,"end":488.29,"sentiment":"neutral","sentiment_score":0.17910624162427016},{"text":"So one of the things that we talked about was starting off by reducing your risk level.","start":488.29,"end":492.93002,"sentiment":"neutral","sentiment_score":0.032288760165957844},{"text":"So at the moment, you're in more of a growth portfolio.","start":492.93002,"end":495.43002,"sentiment":"neutral","sentiment_score":0.060177475891330025}],"sentiment":"neutral","sentiment_score":0.09691753661768003,"num_words":44,"start":477.875,"end":495.43002},{"sentences":[{"text":"Because you are looking to retire in the next few months, we wanted to put some things in place to reduce your risk level.","start":495.995,"end":502.475,"sentiment":"neutral","sentiment_score":0.07436418998986483},{"text":"So as you are moving closer to being able to access your funds, that you're not going through such high highs and low lows that the market can provide.","start":502.475,"end":511.34003,"sentiment":"neutral","sentiment_score":0.011890458858347145},{"text":"So in order to reduce your risk level, we need to update your portfolio.","start":511.56003,"end":515.10004,"sentiment":"neutral","sentiment_score":0.0044813863933086395},{"text":"So these are the changes that we're going to make.","start":515.24,"end":517.32,"sentiment":"neutral","sentiment_score":0.029263216257095336},{"text":"We're going to sell off, sorry, the battery and lithium tax, the ban among Australian equities, the bank hybrids are gonna be gone as well.","start":517.32,"end":525.615,"sentiment":"neutral","sentiment_score":-0.030771394222974778}],"sentiment":"neutral","sentiment_score":0.01682010375638949,"num_words":102,"start":495.995,"end":525.615},{"sentences":[{"text":"We're going to keep the physical gold and buy more of that.","start":525.77496,"end":529.295,"sentiment":"neutral","sentiment_score":0.027442244968066614},{"text":"We wanna hold about 10% in your portfolio to increasing your physical gold exposure.","start":529.295,"end":534.27496,"sentiment":"neutral","sentiment_score":0.04707691712038858},{"text":"We want to also decrease the cyber security.","start":534.895,"end":538.5,"sentiment":"neutral","sentiment_score":0.0130154883954674},{"text":"So we still wanna keep cyber security in your portfolio, but decrease the level of exposure to 3% from currently 8%.","start":538.5,"end":545.48004,"sentiment":"neutral","sentiment_score":0.008940334165734904},{"text":"Also wanna increase the defensive the defensive component of your portfolio.","start":546.10004,"end":551.24,"sentiment":"neutral","sentiment_score":0.09762696786360307}],"sentiment":"neutral","sentiment_score":0.03566895985524311,"num_words":66,"start":525.77496,"end":551.24},{"sentences":[{"text":"This is more lower risk and income producing.","start":551.30005,"end":553.72003,"sentiment":"neutral","sentiment_score":0.10428310930728912},{"text":"So increasing your exposure into core composite funds.","start":553.98505,"end":556.965,"sentiment":"neutral","sentiment_score":0.11034515779465437},{"text":"So increasing from 8% to 25%, we're going to sell off some S and P 500 to reduce you down to 22%, sell off all the bare neck property, sell off all of the Rafi 200, and then we're gonna buy into the European exposure, the Vanguard All World Index, the BetaShares a 200, and also some high interest cash account there as well.","start":557.34503,"end":581.66,"sentiment":"neutral","sentiment_score":0.04133374983211979},{"text":"So the red is what we're gonna sell off, the green is what we're gonna buy, and the last column, which is your target balance, is where you will see essentially all your super invested moving forward.","start":581.66,"end":592.835,"sentiment":"neutral","sentiment_score":0.0780213629273144},{"text":"Does that make sense?","start":592.835,"end":593.895,"sentiment":"neutral","sentiment_score":0.08397187478840351}],"sentiment":"neutral","sentiment_score":0.0626864797812848,"num_words":121,"start":551.30005,"end":593.895},{"sentences":[{"text":"Beautiful.","start":595.76,"end":596.26,"sentiment":"positive","sentiment_score":0.7096692323684692},{"text":"That is reducing your risk level, which is fantastic.","start":596.56,"end":598.98004,"sentiment":"positive","sentiment_score":0.6916835771666633},{"text":"It's also updating your portfolio, which is going to be really good.","start":599.12,"end":602.66003,"sentiment":"positive","sentiment_score":0.6137875219186147},{"text":"If you scroll down for me just to page number 21, I can show you the outcome expected.","start":602.72003,"end":608.10004,"sentiment":"neutral","sentiment_score":0.19986275417937172},{"text":"21.","start":613.185,"end":613.825,"sentiment":"neutral","sentiment_score":0.011927466839551926}],"sentiment":"positive","sentiment_score":0.4368226519990258,"num_words":41,"start":595.76,"end":613.825},{"sentences":[{"text":"So sorry.","start":613.825,"end":614.385,"sentiment":"neutral","sentiment_score":-0.011878108140081165},{"text":"Yes.","start":614.385,"end":614.705,"sentiment":"neutral","sentiment_score":0.01588425412774086},{"text":"The fee comparison table.","start":614.705,"end":616.145,"sentiment":"neutral","sentiment_score":0.023274239618331194},{"text":"Is that what you're looking at?","start":616.145,"end":617.605,"sentiment":"neutral","sentiment_score":0.016322585055604577},{"text":"Yes.","start":619.665,"end":620.165,"sentiment":"neutral","sentiment_score":0.020538443699479103}],"sentiment":"neutral","sentiment_score":0.014549925025286419,"num_words":14,"start":613.825,"end":620.165},{"sentences":[{"text":"Page 21 is the one we're up.","start":620.625,"end":622.465,"sentiment":"neutral","sentiment_score":0.003446884486558182},{"text":"Sorry.","start":622.465,"end":622.965,"sentiment":"neutral","sentiment_score":-0.11061820387840272},{"text":"That's okay.","start":627.76996,"end":628.58997,"sentiment":"neutral","sentiment_score":-0.005712080746889114},{"text":"You're fine.","start":628.64996,"end":629.47,"sentiment":"neutral","sentiment_score":0.07151133567094803},{"text":"Oh, no.","start":633.85,"end":634.58997,"sentiment":"neutral","sentiment_score":-0.0855364203453064}],"sentiment":"neutral","sentiment_score":-0.008997453093927885,"num_words":14,"start":620.625,"end":634.58997},{"sentences":[{"text":"Yeah.","start":639.945,"end":640.445,"sentiment":"neutral","sentiment_score":0.023904165253043175},{"text":"No.","start":640.505,"end":640.745,"sentiment":"neutral","sentiment_score":0.05091311037540436},{"text":"That's absolutely fine.","start":640.745,"end":642.105,"sentiment":"neutral","sentiment_score":0.2892136375109355},{"text":"So the first column outlines your current balance of $147,001.59.","start":642.105,"end":647.245,"sentiment":"neutral","sentiment_score":0.13412570133805274},{"text":"You've got your administration fees, investment fees, your ongoing service fee for us looking after your super and providing the advice.","start":647.545,"end":654.81,"sentiment":"neutral","sentiment_score":0.21687489215816771}],"sentiment":"neutral","sentiment_score":0.18994688713509175,"num_words":36,"start":639.945,"end":654.81},{"sentences":[{"text":"Your contributions going in, that's including your current salary sacrifice, and there's no insurance premium coming out.","start":655.03,"end":661.37,"sentiment":"neutral","sentiment_score":0.19801436934401007},{"text":"At the moment, you're in that growth environment, which is 80% invested in those higher risk investments.","start":661.67,"end":667.58496,"sentiment":"neutral","sentiment_score":0.08708828578100485},{"text":"So you and when you think about risk out of the number between one and five, you're sitting at about three there.","start":667.645,"end":672.785,"sentiment":"neutral","sentiment_score":0.032312092201953586},{"text":"But having 80% in those higher risk investments does see more ups and downs with your balance increases.","start":673.005,"end":678.46497,"sentiment":"neutral","sentiment_score":-0.06478040375643307},{"text":"So being as you're only about four months out from accessing your super, we wanted to reduce your risk level a little bit and protect more of your capital.","start":678.605,"end":686.2,"sentiment":"neutral","sentiment_score":0.06825669880571036}],"sentiment":"neutral","sentiment_score":0.061854448187553764,"num_words":103,"start":655.03,"end":686.2},{"sentences":[{"text":"So, essentially, the growth portfolio, when we look at it over the past five years, it's averaged about 8.92%, which is by no means bad.","start":686.74,"end":695.28503,"sentiment":"neutral","sentiment_score":0.20959290504455566},{"text":"But in in reducing your risk level, we're gonna make those alterations to your portfolio.","start":695.66504,"end":700.805,"sentiment":"neutral","sentiment_score":0.2131610075632731},{"text":"And on the bottom line, the balanced portfolio, when we look at that over the past five years, has actually seen a 9.01% return.","start":701.185,"end":708.63,"sentiment":"positive","sentiment_score":0.3857068394621213},{"text":"So this sort of portfolio is reducing a risk level, but it's also seeing good past performance, which can, in the future, also provide greater future performance as well.","start":708.63,"end":719.325,"sentiment":"positive","sentiment_score":0.4733101977356549},{"text":"Okay?","start":719.565,"end":720.065,"sentiment":"neutral","sentiment_score":0.23390036821365356}],"sentiment":"positive","sentiment_score":0.33674572328937813,"num_words":94,"start":686.74,"end":720.065},{"sentences":[{"text":"Now it's important to note that your super fund, just like you, does pay capital gains tax.","start":721.72504,"end":726.205,"sentiment":"neutral","sentiment_score":0.16020478132893057},{"text":"It does a tax return every year as well.","start":726.205,"end":728.545,"sentiment":"neutral","sentiment_score":0.2500181910064485},{"text":"So in the top differences column there, you'll see the the number $729.","start":728.765,"end":733.905,"sentiment":"neutral","sentiment_score":0.10955805847278008},{"text":"In order to make the changes in your portfolio, your super fund will account for capital gains tax, and it's estimated to be $729 there.","start":734.31995,"end":742.87994,"sentiment":"neutral","sentiment_score":0.08904759250581265},{"text":"Okay?","start":742.87994,"end":743.37994,"sentiment":"neutral","sentiment_score":0.06699158251285553}],"sentiment":"neutral","sentiment_score":0.13370894087621799,"num_words":65,"start":721.72504,"end":743.37994},{"sentences":[{"text":"The good thing the other good thing about this portfolio is that it's also got a lower cost for investment fees.","start":744.8,"end":750.135,"sentiment":"positive","sentiment_score":0.5847679319835845},{"text":"So at the moment, your current portfolio, you pay about $608.","start":750.215,"end":754.395,"sentiment":"neutral","sentiment_score":0.2892825413833965},{"text":"With the recommended, it reduces your investment fees to 200 and $33 for the year.","start":754.775,"end":759.41504,"sentiment":"positive","sentiment_score":0.4337154448032379},{"text":"So it is saving you about $375 in the way of investment fees in the first year as well.","start":759.41504,"end":765.015,"sentiment":"positive","sentiment_score":0.5964639782905579},{"text":"So it's a lower cost portfolio performing well and also reducing your risk level.","start":765.015,"end":770.27997,"sentiment":"positive","sentiment_score":0.6058423540421894}],"sentiment":"positive","sentiment_score":0.5222821842879057,"num_words":80,"start":744.8,"end":770.27997},{"sentences":[{"text":"Okay?","start":770.42,"end":770.92,"sentiment":"neutral","sentiment_score":0.20300789177417755},{"text":"Excellent.","start":772.33997,"end":772.83997,"sentiment":"positive","sentiment_score":0.5840256214141846},{"text":"The ongoing service fee does continue to come there, and over the next four months, we still will see your contributions going into the portfolio.","start":773.13995,"end":780.19995,"sentiment":"neutral","sentiment_score":0.29292277157306673},{"text":"Essentially, we will see growth out of the portfolio, but we do know that over the next four months, it will be minimal growth, and it's still important to put these things in place to protect your super.","start":781.415,"end":793.51495,"sentiment":"neutral","sentiment_score":0.1907658524026996},{"text":"So when we consider the projection at the bottom there over the next four months between where you could be if you stayed where you are versus making the changes, we do note that you would be worth up by that $614.","start":793.76,"end":806.64,"sentiment":"neutral","sentiment_score":0.10923918992990539}],"sentiment":"neutral","sentiment_score":0.186422908139006,"num_words":107,"start":770.42,"end":806.64},{"sentences":[{"text":"But it is still best to make the the change to reduce the risk level and to be in that lower cost portfolio.","start":806.64,"end":812.73505,"sentiment":"neutral","sentiment_score":0.17930098137129907},{"text":"Essentially, you still wanna pull some money out to be able to pay off your debt and enjoy you the first few months of your time, and then we're gonna come back and review everything and update the advice to keep you super growing and working for you.","start":812.955,"end":826.42004,"sentiment":"positive","sentiment_score":0.44975406769663095},{"text":"So making these changes is still gonna be in best interest.","start":826.42004,"end":830.2,"sentiment":"neutral","sentiment_score":0.28353756259788165},{"text":"Okay?","start":830.34,"end":830.84,"sentiment":"neutral","sentiment_score":0.11977066099643709},{"text":"Beautiful.","start":832.42004,"end":832.92004,"sentiment":"positive","sentiment_score":0.3949107229709625}],"sentiment":"positive","sentiment_score":0.3493537189705031,"num_words":84,"start":806.64,"end":832.92004},{"sentences":[{"text":"Do do you have any questions so far, Mark?","start":832.98004,"end":835.46,"sentiment":"neutral","sentiment_score":0.07445187266502115},{"text":"Was there anything that flagged us now?","start":835.46,"end":838.055,"sentiment":"neutral","sentiment_score":-0.02285449925277914},{"text":"Excellent.","start":840.435,"end":840.915,"sentiment":"positive","sentiment_score":0.3673007488250733},{"text":"If you go down to page number 23 for me, this is just outlining that once we've made those changes so we're gonna now start by just doing the investment switch.","start":840.915,"end":851.4,"sentiment":"neutral","sentiment_score":0.16364613007153234},{"text":"Once the investment switch has been completed now, your portfolio will be sitting in that newer portfolio for the next four months.","start":851.48004,"end":859.10004,"sentiment":"neutral","sentiment_score":0.08328446881337599}],"sentiment":"neutral","sentiment_score":0.1111810636307512,"num_words":70,"start":832.98004,"end":859.10004},{"sentences":[{"text":"My team will then add a flag that in December, we will give you a call when you're about to retire.","start":859.64,"end":865.98505,"sentiment":"neutral","sentiment_score":0.06385238291252227},{"text":"We'll get you to confirm that you have retired.","start":865.98505,"end":868.145,"sentiment":"neutral","sentiment_score":0.08141617973645528},{"text":"I'll probably get them to call you about a week out.","start":868.145,"end":870.705,"sentiment":"neutral","sentiment_score":0.056545134633779526},{"text":"We'll just say, hey.","start":870.705,"end":871.585,"sentiment":"neutral","sentiment_score":0.032146260142326355},{"text":"Just confirm me yep.","start":871.585,"end":876.565,"sentiment":"neutral","sentiment_score":0.04503349866718054}],"sentiment":"neutral","sentiment_score":0.06131349336736056,"num_words":49,"start":859.64,"end":876.565},{"sentences":[{"text":"Beautiful.","start":879.79,"end":880.29,"sentiment":"neutral","sentiment_score":0.28438007831573486},{"text":"So I will that's Wednesday.","start":880.67,"end":884.29,"sentiment":"neutral","sentiment_score":0.09009801000356674},{"text":"Yep.","start":884.75,"end":885.14996,"sentiment":"neutral","sentiment_score":0.15618440508842468},{"text":"Absolutely.","start":885.14996,"end":885.64996,"sentiment":"neutral","sentiment_score":0.2893463671207428},{"text":"I will add a reminder in there that we will give you a call then to confirm that your retirement's gone through.","start":885.79,"end":891.775,"sentiment":"neutral","sentiment_score":0.18101642687212338}],"sentiment":"neutral","sentiment_score":0.17209207639098167,"num_words":30,"start":879.79,"end":891.775},{"sentences":[{"text":"We just need you to double check with your employer when they're expecting your last contribution to go into super.","start":891.835,"end":897.535,"sentiment":"neutral","sentiment_score":0.0645463040098548},{"text":"Once we receive that contribution and you turn 60, we'll get you to preprep all documents.","start":897.755,"end":903.43,"sentiment":"neutral","sentiment_score":0.06966517469845712},{"text":"So on your sixtieth birthday, we'll send those documents to you.","start":903.49,"end":906.93,"sentiment":"neutral","sentiment_score":0.06864638558842918},{"text":"You can sign them.","start":906.93,"end":908.15,"sentiment":"neutral","sentiment_score":0.06296839192509651},{"text":"We will then action the transfer into pension phase, move you wholly into pension phase.","start":908.21,"end":913.17,"sentiment":"neutral","sentiment_score":0.04699114908774694}],"sentiment":"neutral","sentiment_score":0.062385150316086685,"num_words":66,"start":891.835,"end":913.17},{"sentences":[{"text":"The main reason I wanna move wholly into pension phase before withdrawing the money is that in accumulation in super phase where you are now, your super pays income and capital gains tax.","start":913.17,"end":924.215,"sentiment":"neutral","sentiment_score":0.050497243801752724},{"text":"Whereas if we move you into this pension phase, it's a fully tax free system.","start":924.215,"end":929.115,"sentiment":"neutral","sentiment_score":0.12982689936955769},{"text":"So the intention phase is no income tax, so CGT tax, which means when we sell down the investment to draw the 110,000 out, it will be completely tax free to you, but it will also be tax free to your super fund.","start":929.495,"end":942.64,"sentiment":"neutral","sentiment_score":0.1629334982744483},{"text":"Instead of it paying, you know, 1 or $2,000 in tax to sell down investments, that'll all stay invested for you.","start":942.64,"end":950.205,"sentiment":"neutral","sentiment_score":0.07106322546799977},{"text":"Does that make sense?","start":950.205,"end":951.265,"sentiment":"neutral","sentiment_score":0.08324349299073219}],"sentiment":"neutral","sentiment_score":0.10728667817752936,"num_words":116,"start":913.17,"end":951.265},{"sentences":[{"text":"Yep.","start":952.28503,"end":952.78503,"sentiment":"neutral","sentiment_score":0.25820112228393555},{"text":"Beautiful.","start":953.085,"end":953.585,"sentiment":"positive","sentiment_score":0.6106703877449036},{"text":"We we used to pay more than enough tax over your last time.","start":953.805,"end":956.60504,"sentiment":"neutral","sentiment_score":0.15498477277847436},{"text":"You should save as much as possible in retirement.","start":956.60504,"end":958.865,"sentiment":"neutral","sentiment_score":0.33111240797572666},{"text":"Excellent.","start":962.5,"end":962.98004,"sentiment":"neutral","sentiment_score":0.10188933461904526}],"sentiment":"neutral","sentiment_score":0.23862298250198363,"num_words":25,"start":952.28503,"end":962.98004},{"sentences":[{"text":"So we will essentially organize that for you, have that drawdown paid as a pension payment.","start":962.98004,"end":967.96,"sentiment":"neutral","sentiment_score":0.10329162771813571},{"text":"I'm doing it as a pension payment because when you move into pension phase, you do have minimum pensions that you have to make on a yearly basis.","start":968.26,"end":976.38495,"sentiment":"neutral","sentiment_score":0.1385464905095952},{"text":"When you turn 60, it's currently 4%.","start":976.845,"end":979.185,"sentiment":"neutral","sentiment_score":0.1089011739407267},{"text":"So doing it as a pension payment means that you make that requirement, and then you don't have to take any more funds out for the year.","start":979.245,"end":985.96497,"sentiment":"neutral","sentiment_score":0.2252065078527839},{"text":"So it means that we can keep the rest of the money sitting in there.","start":985.96497,"end":988.94495,"sentiment":"neutral","sentiment_score":0.2853446672360102}],"sentiment":"neutral","sentiment_score":0.1790862550097768,"num_words":93,"start":962.98004,"end":988.94495},{"sentences":[{"text":"It does also show that once with the projected balance, we expect to have in December to be about a $149,008.43.","start":989.31,"end":997.33,"sentiment":"neutral","sentiment_score":0.12100288449298768},{"text":"Once we draw that a 110,000 out, we do expect your current balance then to be about $39,843.","start":997.47003,"end":1005.175,"sentiment":"neutral","sentiment_score":0.09231940429243776},{"text":"So just so you're aware, that's what we're expecting.","start":1005.175,"end":1007.835,"sentiment":"neutral","sentiment_score":0.03409171352783839},{"text":"That will remain invested for you.","start":1008.375,"end":1010.635,"sentiment":"neutral","sentiment_score":0.020757408191760383},{"text":"Yep.","start":1010.775,"end":1011.09503,"sentiment":"neutral","sentiment_score":0.12956586480140686}],"sentiment":"neutral","sentiment_score":0.0866135561330752,"num_words":55,"start":989.31,"end":1011.09503},{"sentences":[{"text":"Excellent.","start":1011.09503,"end":1011.495,"sentiment":"positive","sentiment_score":0.4271328449249267},{"text":"And as I kinda mentioned, I'm gonna organize organize a time early next year for myself, you, and Judith to all meet to have another updated conversation to look at your goals and to provide advice to you both again to move forward and continue growing everything.","start":1011.495,"end":1026.73,"sentiment":"neutral","sentiment_score":0.2273074448742765},{"text":"Okay?","start":1026.87,"end":1027.37,"sentiment":"neutral","sentiment_score":0.08545789867639542},{"text":"Excellent.","start":1029.51,"end":1030.01,"sentiment":"positive","sentiment_score":0.4808765053749085},{"text":"All good.","start":1030.31,"end":1031.05,"sentiment":"positive","sentiment_score":0.45498597621917725}],"sentiment":"neutral","sentiment_score":0.24205555981741503,"num_words":52,"start":1011.09503,"end":1031.05},{"sentences":[{"text":"That is essentially the bulk of the recommendations there.","start":1031.545,"end":1034.265,"sentiment":"neutral","sentiment_score":0.2074020720190472},{"text":"It's just about doing the investment switch now and then rolling in the pension phase when you retire and then drawing the 110,000 down, and then we'll make sure we meet again early next year so you have it all updated.","start":1034.265,"end":1046.9601,"sentiment":"neutral","sentiment_score":0.19702200591564178},{"text":"The only other thing I need to make mention is when we open that pension account, we still need to have a beneficiary nomination applied to it.","start":1047.3401,"end":1055.2001,"sentiment":"neutral","sentiment_score":0.06368461361637821},{"text":"So I will recommend that my team set up a binding on that same beneficiary, the same as your super onto your pension, and nominate the full amount fee paid to Judith in the event that something happens to you.","start":1055.9,"end":1069.455,"sentiment":"neutral","sentiment_score":0.12537803761661054},{"text":"Okay?","start":1069.595,"end":1070.095,"sentiment":"neutral","sentiment_score":0.03429814428091049}],"sentiment":"neutral","sentiment_score":0.14163919582457865,"num_words":118,"start":1031.545,"end":1070.095},{"sentences":[{"text":"Excellent.","start":1071.675,"end":1072.175,"sentiment":"positive","sentiment_score":0.6285266876220703},{"text":"Nice and easy one for you.","start":1072.99,"end":1074.51,"sentiment":"positive","sentiment_score":0.7645005484422048},{"text":"You're welcome to go back and have a good read of the document there.","start":1074.51,"end":1077.57,"sentiment":"positive","sentiment_score":0.48979351030928747},{"text":"As there's no additional upfront or implementation fees, this is the advice you're on an ongoing service agreement with us at the moment.","start":1078.11,"end":1084.99,"sentiment":"neutral","sentiment_score":0.15531188281981842},{"text":"You pay 1.10%.","start":1084.99,"end":1087.01,"sentiment":"neutral","sentiment_score":0.1222385714451472}],"sentiment":"positive","sentiment_score":0.340670811527587,"num_words":47,"start":1071.675,"end":1087.01},{"sentences":[{"text":"The amount in there is based on the current balance.","start":1087.695,"end":1091.2949,"sentiment":"neutral","sentiment_score":0.09210589453577996},{"text":"We know that that amount would decrease when the 110,000 is drawn out, but we've just estimated the the fee amount to be on the total balance currently for you.","start":1091.2949,"end":1101.455,"sentiment":"neutral","sentiment_score":0.09397958281139533},{"text":"Okay?","start":1101.455,"end":1101.955,"sentiment":"neutral","sentiment_score":0.17922741174697876},{"text":"Easy.","start":1103.04,"end":1103.52,"sentiment":"positive","sentiment_score":0.34477323293685913},{"text":"Do you have any questions for me?","start":1103.52,"end":1105.3601,"sentiment":"neutral","sentiment_score":0.1897645550114768}],"sentiment":"neutral","sentiment_score":0.11413875427477214,"num_words":49,"start":1087.695,"end":1105.3601},{"sentences":[{"text":"Please let me know if you do.","start":1105.3601,"end":1106.8201,"sentiment":"neutral","sentiment_score":0.15912504068442754},{"text":"Yep.","start":1108.56,"end":1109.04,"sentiment":"neutral","sentiment_score":0.08669956773519516},{"text":"Sure.","start":1109.04,"end":1109.54,"sentiment":"neutral","sentiment_score":0.11330702155828476},{"text":"Yes.","start":1113.4401,"end":1113.9401,"sentiment":"neutral","sentiment_score":0.09528306126594543},{"text":"So what you'll do is when we open the pension account, my team will ask for your bank account information.","start":1114.16,"end":1119.235,"sentiment":"neutral","sentiment_score":0.08984576296061278}],"sentiment":"neutral","sentiment_score":0.10686933981875578,"num_words":30,"start":1105.3601,"end":1119.235},{"sentences":[{"text":"It just needs to be a bank account that you're able to essentially receive funds to.","start":1119.235,"end":1125.015,"sentiment":"neutral","sentiment_score":0.06198018859140575},{"text":"Once the funds are received, it is wise to move the funds out of your access account.","start":1125.235,"end":1130.595,"sentiment":"neutral","sentiment_score":0.06376944942509427},{"text":"So if you're gonna want the 110,000 is received into the bank account there, pay off any bills that you're wanting to pay off, get all that sorted.","start":1130.595,"end":1138.5,"sentiment":"neutral","sentiment_score":0.11479819619229861},{"text":"And then if you have a large sum of savings, if you've got, like, a savings account you can move it into, try and move as much as you can out of your access account.","start":1138.88,"end":1148.4651,"sentiment":"neutral","sentiment_score":-0.00881331352783101},{"text":"It's generally not advisable to leave large sums of money in your access account because when you think about scammers and things like that, when people get access, they tend to get access to an access account or an everyday account.","start":1148.4651,"end":1161.8451,"sentiment":"neutral","sentiment_score":-0.2582713863925963}],"sentiment":"neutral","sentiment_score":-0.04093050849997867,"num_words":137,"start":1119.235,"end":1161.8451},{"sentences":[{"text":"So yeah.","start":1161.905,"end":1164.73,"sentiment":"neutral","sentiment_score":0.012625584378838539},{"text":"And your banker will probably mention that to you as well.","start":1164.73,"end":1167.13,"sentiment":"neutral","sentiment_score":0.024544545872644943},{"text":"It's a large sum, move a bit out, and you can just move money back into your everyday account as you need to spend it or if there's a certain amount you need to leave in there.","start":1167.13,"end":1175.05,"sentiment":"neutral","sentiment_score":-0.025470046980960948},{"text":"Absolutely.","start":1175.05,"end":1175.55,"sentiment":"neutral","sentiment_score":0.12565457820892334},{"text":"But it's just sort of make sure that that money's available.","start":1176.3049,"end":1178.725,"sentiment":"neutral","sentiment_score":0.04336274042725563}],"sentiment":"neutral","sentiment_score":-0.0007178361617749738,"num_words":62,"start":1161.905,"end":1178.725},{"sentences":[{"text":"Fantastic.","start":1180.225,"end":1180.725,"sentiment":"positive","sentiment_score":0.863728940486908},{"text":"Fantastic.","start":1181.105,"end":1181.605,"sentiment":"positive","sentiment_score":0.8053842186927795},{"text":"So and what are there any other questions that you might have?","start":1182.225,"end":1184.705,"sentiment":"neutral","sentiment_score":0.24515986815094948},{"text":"You're welcome.","start":1184.705,"end":1185.345,"sentiment":"neutral","sentiment_score":0.23016923666000366},{"text":"So sorry.","start":1185.345,"end":1186.085,"sentiment":"neutral","sentiment_score":-0.01015726663172245}],"sentiment":"neutral","sentiment_score":0.28061419539153576,"num_words":18,"start":1180.225,"end":1186.085},{"sentences":[{"text":"No.","start":1190.14,"end":1190.46,"sentiment":"neutral","sentiment_score":-0.10705918818712234},{"text":"You definitely don't.","start":1190.46,"end":1191.84,"sentiment":"neutral","sentiment_score":-0.10149457057317098},{"text":"Essentially, all we do is assign the declaration.","start":1192.3,"end":1194.72,"sentiment":"neutral","sentiment_score":0.015174960484728217},{"text":"We just pick a box to say that you're 60, that you've confirmed that you are retired.","start":1194.86,"end":1199.2,"sentiment":"neutral","sentiment_score":0.036554044222130495},{"text":"It's just a declaration that we make that you sign off on as part of the application for pension.","start":1199.66,"end":1204.7,"sentiment":"neutral","sentiment_score":0.023290411912296947}],"sentiment":"neutral","sentiment_score":0.016120695043355227,"num_words":48,"start":1190.14,"end":1204.7},{"sentences":[{"text":"So you don't need a separation certificate at all.","start":1204.7,"end":1207.7051,"sentiment":"neutral","sentiment_score":-0.011978829693463113},{"text":"Yeah.","start":1207.7051,"end":1208.2051,"sentiment":"neutral","sentiment_score":0.054715596139431},{"text":"Yeah.","start":1211.145,"end":1211.465,"sentiment":"neutral","sentiment_score":0.06257855892181396},{"text":"You're right.","start":1211.465,"end":1212.285,"sentiment":"neutral","sentiment_score":0.05937220714986324},{"text":"No.","start":1221.3201,"end":1221.64,"sentiment":"neutral","sentiment_score":-0.031754620373249054}],"sentiment":"neutral","sentiment_score":0.00689103441046817,"num_words":14,"start":1204.7,"end":1221.64},{"sentences":[{"text":"That's okay.","start":1221.64,"end":1222.28,"sentiment":"neutral","sentiment_score":-0.0034127162361983214},{"text":"So your birthday is actually on the December 15.","start":1222.28,"end":1225.42,"sentiment":"neutral","sentiment_score":0.01316732954647806},{"text":"So we will be able to send those documents to you on the December 15.","start":1226.04,"end":1230.54,"sentiment":"neutral","sentiment_score":0.06989914005001387},{"text":"It takes a couple of days for the pension account to be physically open.","start":1230.68,"end":1235.925,"sentiment":"neutral","sentiment_score":0.04594484184469495},{"text":"So I would probably say within a week or two is when you're probably gonna receive that payment, but we will make sure that we confirm the date of that payment for you to make it easier.","start":1236.3049,"end":1246.8049,"sentiment":"neutral","sentiment_score":0.08370812730611982}],"sentiment":"neutral","sentiment_score":0.06364410558893865,"num_words":77,"start":1221.64,"end":1246.8049},{"sentences":[{"text":"Okay?","start":1247.05,"end":1247.29,"sentiment":"neutral","sentiment_score":0.02436288632452488},{"text":"So once the pension account opens, we can confirm the date that it'll come out to make it easier on you.","start":1247.29,"end":1252.43,"sentiment":"neutral","sentiment_score":0.039489315423582284},{"text":"Before Christmas.","start":1254.65,"end":1255.63,"sentiment":"neutral","sentiment_score":0.000803165603429079},{"text":"No worries at all.","start":1255.77,"end":1257.23,"sentiment":"neutral","sentiment_score":0.04070913651958108},{"text":"Yeah.","start":1257.4501,"end":1257.9501,"sentiment":"neutral","sentiment_score":0.0660640299320221}],"sentiment":"neutral","sentiment_score":0.03738432473920543,"num_words":29,"start":1247.05,"end":1257.9501},{"sentences":[{"text":"Excellent.","start":1260.65,"end":1261.15,"sentiment":"positive","sentiment_score":0.4848886728286743},{"text":"Easy.","start":1261.725,"end":1262.225,"sentiment":"positive","sentiment_score":0.3921680748462677},{"text":"You're absolutely fine.","start":1267.8049,"end":1269.245,"sentiment":"positive","sentiment_score":0.41191230217615765},{"text":"If anything else please comes up, please let me know.","start":1269.245,"end":1271.645,"sentiment":"neutral","sentiment_score":0.12836708649992942},{"text":"You're welcome to take some time to reach the documents, show Judith, or whatever you're comfortable doing.","start":1271.645,"end":1276.225,"sentiment":"neutral","sentiment_score":0.19784621982013478}],"sentiment":"neutral","sentiment_score":0.21124532050453126,"num_words":32,"start":1260.65,"end":1276.225},{"sentences":[{"text":"And once you're happy to proceed with that one, we'll just get you to sign the bottom of that page, return everything back to us, and we can start the implementation process there for you.","start":1276.34,"end":1285.54,"sentiment":"positive","sentiment_score":0.44440428870064874},{"text":"Okay?","start":1285.54,"end":1286.04,"sentiment":"neutral","sentiment_score":0.05011192709207535},{"text":"Let's if you scroll down to the very bottom, you'll see the little sign section there.","start":1287.86,"end":1291.965,"sentiment":"neutral","sentiment_score":0.03391307219862938},{"text":"There.","start":1294.2849,"end":1294.765,"sentiment":"neutral","sentiment_score":0.012098891660571098},{"text":"Yep.","start":1294.765,"end":1295.265,"sentiment":"neutral","sentiment_score":0.08230481296777725}],"sentiment":"neutral","sentiment_score":0.3007643498411333,"num_words":54,"start":1276.34,"end":1295.265},{"sentences":[{"text":"Thank you.","start":1298.445,"end":1299.005,"sentiment":"positive","sentiment_score":0.5681235492229462},{"text":"I will look after you.","start":1299.005,"end":1299.965,"sentiment":"positive","sentiment_score":0.40963409543037416},{"text":"I promise.","start":1299.965,"end":1300.625,"sentiment":"neutral","sentiment_score":0.2453797087073326},{"text":"That's okay.","start":1302.525,"end":1303.325,"sentiment":"neutral","sentiment_score":0.11281828582286835},{"text":"The excellent.","start":1303.325,"end":1305.025,"sentiment":"neutral","sentiment_score":0.2844332307577133}],"sentiment":"positive","sentiment_score":0.34382154047489166,"num_words":13,"start":1298.445,"end":1305.025},{"sentences":[{"text":"The other thing I need to do, Michael, is I'd also need to Are you we have a new system for updating identification called the safe ID.","start":1305.1649,"end":1317.22,"sentiment":"neutral","sentiment_score":0.052864055804632326},{"text":"It's a more secure way of updating a client's identification.","start":1317.22,"end":1320.44,"sentiment":"neutral","sentiment_score":0.055385909602046014},{"text":"It's approved by Aptive and the Financial Planning and Association.","start":1321.115,"end":1324.015,"sentiment":"neutral","sentiment_score":0.08273593932390214},{"text":"Are you comfortable if I send that link to you via email and get you to to follow the prompts to update your identification on file with us?","start":1324.555,"end":1333.055,"sentiment":"neutral","sentiment_score":0.04618187667801976},{"text":"Yep.","start":1334.875,"end":1335.21,"sentiment":"neutral","sentiment_score":0.3076556622982025}],"sentiment":"neutral","sentiment_score":0.05801705533246461,"num_words":76,"start":1305.1649,"end":1335.21},{"sentences":[{"text":"Fantastic.","start":1335.61,"end":1336.11,"sentiment":"positive","sentiment_score":0.642765998840332},{"text":"I'll get that done up shortly and send it through to you, and I'll get my colleagues to give you a call once it's gone to let you know it's in your email ready to go.","start":1336.25,"end":1343.9299,"sentiment":"positive","sentiment_score":0.37554556296931374},{"text":"It just comes through from Safe ID, and it's just a process to say that we are trying to get your identification updated.","start":1343.9299,"end":1349.95,"sentiment":"neutral","sentiment_score":0.1759379383014596},{"text":"You press the button and follow the link.","start":1350.245,"end":1352.165,"sentiment":"neutral","sentiment_score":0.07450568489730358},{"text":"If you have trouble, please let me know.","start":1352.165,"end":1354.3251,"sentiment":"neutral","sentiment_score":-0.043584573082625866}],"sentiment":"neutral","sentiment_score":0.2428466808050871,"num_words":76,"start":1335.61,"end":1354.3251},{"sentences":[{"text":"Okay?","start":1354.3251,"end":1354.8251,"sentiment":"neutral","sentiment_score":0.00969101581722498},{"text":"Oh, fantastic.","start":1358.245,"end":1359.2251,"sentiment":"positive","sentiment_score":0.5225568413734436},{"text":"She's a good soul, isn't she?","start":1359.365,"end":1360.905,"sentiment":"positive","sentiment_score":0.46588050325711566},{"text":"Beautiful.","start":1364.19,"end":1364.69,"sentiment":"positive","sentiment_score":0.49669164419174194},{"text":"How are you going with that document there?","start":1364.75,"end":1366.9299,"sentiment":"neutral","sentiment_score":0.22868605330586433}],"sentiment":"positive","sentiment_score":0.3431259882636368,"num_words":18,"start":1354.3251,"end":1366.9299},{"sentences":[{"text":"I'm just clicking the email to see if it's come through.","start":1371.23,"end":1374.51,"sentiment":"neutral","sentiment_score":0.029968767511573704},{"text":"It does sometimes take a second to come back.","start":1374.51,"end":1376.945,"sentiment":"neutral","sentiment_score":-0.023861742268006008},{"text":"On the bottom of yours, does it say anything else?","start":1377.485,"end":1380.385,"sentiment":"neutral","sentiment_score":0.012284934939816593},{"text":"It might still be thinking about it.","start":1384.605,"end":1386.5449,"sentiment":"neutral","sentiment_score":-0.19344177416392735},{"text":"There we go.","start":1392.57,"end":1393.45,"sentiment":"neutral","sentiment_score":0.20396411418914795}],"sentiment":"neutral","sentiment_score":-0.012611249124165624,"num_words":40,"start":1371.23,"end":1393.45},{"sentences":[{"text":"I'll just there we go.","start":1393.45,"end":1395.05,"sentiment":"neutral","sentiment_score":0.1801833152770996},{"text":"It's come through.","start":1395.05,"end":1395.93,"sentiment":"neutral","sentiment_score":0.248053640127182},{"text":"Fantastic.","start":1395.93,"end":1396.43,"sentiment":"positive","sentiment_score":0.7714521288871765},{"text":"Thank you so much for that, Michael.","start":1396.8099,"end":1398.75,"sentiment":"positive","sentiment_score":0.7439227019037519},{"text":"We'll get cracking on that investment switch and get that sorted.","start":1399.29,"end":1402.41,"sentiment":"neutral","sentiment_score":0.12185177731920373}],"sentiment":"neutral","sentiment_score":0.33201326257376756,"num_words":27,"start":1393.45,"end":1402.41},{"sentences":[{"text":"I'll get that ID link sent to you to update your ID on file.","start":1402.41,"end":1405.87,"sentiment":"neutral","sentiment_score":0.15440610742994718},{"text":"And then if you have any questions or issues, let me know, and we'll make sure we have the link set up to give you a call on the December 3 to organize on the first Wednesday there to organize that pension application.","start":1406.425,"end":1419.725,"sentiment":"neutral","sentiment_score":0.12032804456214573},{"text":"We can't send it to you to sign until your actual birthday for the fifteenth, but we can give you a call in advance just to reconfirm things and just make sure we know when your last super payment's going into your super.","start":1420.36,"end":1431.58,"sentiment":"neutral","sentiment_score":0.012413698551786501},{"text":"Okay?","start":1431.96,"end":1432.46,"sentiment":"neutral","sentiment_score":0.027863238006830215},{"text":"That's it.","start":1437.615,"end":1438.015,"sentiment":"neutral","sentiment_score":0.012264756951481104}],"sentiment":"neutral","sentiment_score":0.07691236126046737,"num_words":103,"start":1402.41,"end":1438.015},{"sentences":[{"text":"Let me check.","start":1438.015,"end":1438.835,"sentiment":"neutral","sentiment_score":0.0010507041588425636},{"text":"You're at December.","start":1440.255,"end":1442.9149,"sentiment":"neutral","sentiment_score":-0.0029335996756951013},{"text":"Okay.","start":1445.775,"end":1446.255,"sentiment":"neutral","sentiment_score":0.10415464639663696},{"text":"Perfect.","start":1446.255,"end":1446.735,"sentiment":"neutral","sentiment_score":0.20255276560783383},{"text":"So the second is when the final payment should be received.","start":1446.735,"end":1449.395,"sentiment":"neutral","sentiment_score":0.09287145733833313}],"sentiment":"neutral","sentiment_score":0.06961288190397777,"num_words":19,"start":1438.015,"end":1449.395},{"sentences":[{"text":"Yep.","start":1451.33,"end":1451.73,"sentiment":"neutral","sentiment_score":0.13171719014644623},{"text":"Perfect.","start":1451.73,"end":1452.23,"sentiment":"neutral","sentiment_score":0.3010973334312439},{"text":"Not a problem at all.","start":1452.45,"end":1453.5701,"sentiment":"neutral","sentiment_score":0.2749329090118408},{"text":"We'll get all that sorted.","start":1453.5701,"end":1454.85,"sentiment":"neutral","sentiment_score":0.27976472675800323},{"text":"Are you comfortable with receiving those docs on your birthday to sign?","start":1454.85,"end":1458.29,"sentiment":"neutral","sentiment_score":0.07585400156676769}],"sentiment":"neutral","sentiment_score":0.17152294671783844,"num_words":24,"start":1451.33,"end":1458.29},{"sentences":[{"text":"Just making sure that's okay with you.","start":1458.29,"end":1460.39,"sentiment":"neutral","sentiment_score":0.07090888385261808},{"text":"Yep.","start":1462.45,"end":1462.85,"sentiment":"neutral","sentiment_score":0.1169423758983612},{"text":"Yep.","start":1462.85,"end":1463.25,"sentiment":"neutral","sentiment_score":0.17838609218597412},{"text":"Beautiful.","start":1463.25,"end":1463.75,"sentiment":"positive","sentiment_score":0.4976169466972351},{"text":"Beautiful.","start":1463.97,"end":1464.47,"sentiment":"positive","sentiment_score":0.4648370742797851}],"sentiment":"neutral","sentiment_score":0.1594676978208802,"num_words":11,"start":1458.29,"end":1464.47},{"sentences":[{"text":"Some people do go, no.","start":1464.755,"end":1465.795,"sentiment":"neutral","sentiment_score":0.22907774150371552},{"text":"No.","start":1465.795,"end":1465.9551,"sentiment":"neutral","sentiment_score":0.047594767063856125},{"text":"No.","start":1465.9551,"end":1466.115,"sentiment":"neutral","sentiment_score":0.03513546288013458},{"text":"Don't.","start":1466.115,"end":1466.3551,"sentiment":"neutral","sentiment_score":0.06319433450698853},{"text":"But if we send it on the day, it makes it a bit easier.","start":1466.3551,"end":1468.8351,"sentiment":"neutral","sentiment_score":0.24107115928615844}],"sentiment":"neutral","sentiment_score":0.21210497736253522,"num_words":22,"start":1464.755,"end":1468.8351},{"sentences":[{"text":"That means we're able to process everything a little bit quicker for you as well.","start":1468.8351,"end":1472.915,"sentiment":"positive","sentiment_score":0.3541090895732244},{"text":"Okay.","start":1472.915,"end":1473.415,"sentiment":"neutral","sentiment_score":0.08942040801048279},{"text":"Fantastic.","start":1475.4751,"end":1475.9751,"sentiment":"positive","sentiment_score":0.6067376136779785},{"text":"Well, thank you so much for your time, Michael.","start":1476.275,"end":1478.3551,"sentiment":"positive","sentiment_score":0.614388022157881},{"text":"If you do find there's any questions coming up, just let me know.","start":1478.3551,"end":1481.3501,"sentiment":"neutral","sentiment_score":0.19519363486996064}],"sentiment":"positive","sentiment_score":0.36089240559018576,"num_words":39,"start":1468.8351,"end":1481.3501},{"sentences":[{"text":"In the meantime, we'll get cracking on the investment switch, and we'll be in touch in a few months to organize that pension application for you.","start":1481.41,"end":1487.7301,"sentiment":"neutral","sentiment_score":0.11321322784687464},{"text":"Okay?","start":1487.7301,"end":1488.2301,"sentiment":"neutral","sentiment_score":0.12183695286512376},{"text":"My my pleasure.","start":1489.9701,"end":1491.41,"sentiment":"positive","sentiment_score":0.8057108918825785},{"text":"I hope you have a good day.","start":1491.41,"end":1492.6101,"sentiment":"positive","sentiment_score":0.8273790052958897},{"text":"I hope they have a good send off for you as well.","start":1492.6101,"end":1495.1901,"sentiment":"positive","sentiment_score":0.753424271941185}],"sentiment":"positive","sentiment_score":0.4145970990387153,"num_words":49,"start":1481.41,"end":1495.1901},{"sentences":[{"text":"I love it.","start":1498.435,"end":1499.335,"sentiment":"positive","sentiment_score":0.8658235867818197},{"text":"Fantastic.","start":1501.3151,"end":1501.8151,"sentiment":"positive","sentiment_score":0.8408046960830688},{"text":"Well, thank thank you for your time.","start":1502.1951,"end":1503.715,"sentiment":"positive","sentiment_score":0.8036748766899109},{"text":"I hope you enjoy the rest of your day.","start":1503.715,"end":1505.8151,"sentiment":"positive","sentiment_score":0.7774981790118747},{"text":"Thank you.","start":1507.875,"end":1508.615,"sentiment":"positive","sentiment_score":0.6045417487621307}],"sentiment":"positive","sentiment_score":0.7850257591767744,"num_words":22,"start":1498.435,"end":1508.615},{"sentences":[{"text":"See you later.","start":1508.675,"end":1509.395,"sentiment":"positive","sentiment_score":0.46357080340385437},{"text":"Bye.","start":1509.395,"end":1509.895,"sentiment":"neutral","sentiment_score":-0.10995231568813324}],"sentiment":"neutral","sentiment_score":0.32019002363085747,"num_words":4,"start":1508.675,"end":1509.895}]}}]},{"alternatives":[{"transcript":"Hello, Marcus. How is it? Good. Thank you. How are you? Yeah. That's perfect. Yeah. I could. Yeah. Yep. Yeah. Well, I'm not understand that. No. It hasn't. No. I I just checked the junk mail then. It's not there. Hang on. I'll just check junk and check junk again. Yeah. It's come it comes from ICONS. Why not? Telstra. Telstra. Telstra. Telstra. Telstra. Yep. Yeah. I still I still haven't got I still haven't got the first one yet. So yeah. No. Pretty good. Finish work at 10:00, so pretty good. Started at four. So Yep. And it's good. I love it. Yeah. Yeah. I'll just got that email then. Michael Leslie Tozer. Date of birth, '15 12/1966. And address, you should have Unit 1203 Dash 12 Enley Avenue, Surfers Paradise 4217. Yes. Alright. Yeah. Click to start, you say? You alright? I'll just make it brighter so I can see it. Anyway, it's gonna be funning around so I can see it that way. Alright. I got it now. Yep. Yep. Home's coming quick enough. Yep. Yep. Yep. Yep. Yep. Yeah. I'm happy. Yeah. Yep. Yep. Yep. That sounds good. No. It's all the same, I think. Yeah. You're fine. Yep. Yeah. Yeah. I under I understand that. No. I understand that. That's fine. What did I say? Page 18. Yeah. Okay. Got it. I think yeah. I'm on it. Yep. Yeah. Yep. Yep. Yep. Yeah. That's okay. Five twenty twenty one. Yep. 125529. Touchy. No. No. I I heard you say 21, but the phone's touchy. I've got a crack in my screen, and I touch it and goes everywhere. Page 22. Page 21. Okay. Sorry about it. Yep. Yep. Yep. Yep. Yep. Yes. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That's fine. No. Not not I've got questions, but not yet. We'll keep going. Yep. Yep. Yep. Yeah. I've I've been finishing work on the I've actually bought a portal a week, so I think it's about the December 3. Whatever the whatever the first Wednesday is of December. Yep. Yep. Yep. Okay. Yep. Yep. Okay. Cool. Yeah. It does. Yes. 100%. Yep. Yep. No. That's that's fine. Yeah. Yep. K. No. That's that sounds good. Yep. Yep. Yep. No. That's fine. Yep. That's fine. Yep. Yeah. Yep. Yep. Yep. Yep. I do. Yeah. What could I could I just put it into my normal bank account? Okay. Yep. Yep. Yep. Yep. Yeah. No. That's fine. We got we got another we got our account we can put it in. Yep. That that's that's why we do that's why we do it anyhow. Yep. That's alright. Do I know the separation certificate for work or don't? Yep. I okay. I'm just making sure that's all. So now and then what did we say? What date do you reckon I can get it? So I'm just I as I said, I wanna order it. I wanna order a car, and I just trying to organize it. Yep. Yep. Yep. Okay. Yeah. Yeah. No. That's fine. Yeah. As long as I got it before Christmas. Yep. Yeah. Yeah. Okay. No. That's good. No. Easy. Yeah. No. That's all I've got. I've got no other questions. I just had them written down. That's all. Yep. I'll I'll sign it. I'll sign it now. Where do I sign it? I'll sign it now. I gotta even read it. You're reading it? I've got all the faith in you. Alright. Thank you. Taking chat. Right there. Yes. Yep. Yeah. No. That's fine. I can do that. Alright. I'll get I'll get Judy to do it for me tonight. She is. I've yeah. Yeah. I signed everything, haven't I? Because it was finished. That was finished and spinning, so I thought it was gone. Alright. You should have it. No problem at all. Yep. Yep. That'd be me last that'd be the third is, oh, is that right? Yeah. Hang on. Let me think. That'd be the second of December. Sorry. It'd be the Wednesday, the second. That'd be the final payments from. Should be. Yes. Right. Yeah. No. That's fine. That's fine. Yeah. No. That that'd be fine. Thank you, Diana. No problem. You too. Thank you, Dana. Bye. 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Marcus. How is it? Good. Thank you. How are you?\n\nYeah. That's perfect. Yeah. I could. Yeah.\n\nYep. Yeah. Well, I'm not understand that. No. It hasn't.\n\nNo. I I just checked the junk mail then. It's not there. Hang on. I'll just check junk and check junk again.\n\nYeah. It's come it comes from ICONS. Why not? Telstra. Telstra.\n\nTelstra. Telstra. Telstra. Yep. Yeah.\n\nI still I still haven't got I still haven't got the first one yet. So yeah. No. Pretty good. Finish work at 10:00, so pretty good.\n\nStarted at four. So Yep. And it's good. I love it. Yeah.\n\nYeah. I'll just got that email then. Michael Leslie Tozer. Date of birth, '15 12/1966. And address, you should have Unit 1203 Dash 12 Enley Avenue, Surfers Paradise 4217.\n\nYes. Alright. Yeah. Click to start, you say? You alright?\n\nI'll just make it brighter so I can see it. Anyway, it's gonna be funning around so I can see it that way. Alright. I got it now. Yep.\n\nYep. Home's coming quick enough. Yep. Yep. Yep.\n\nYep. Yep. Yeah. I'm happy. Yeah.\n\nYep. Yep. Yep. That sounds good. No.\n\nIt's all the same, I think. Yeah. You're fine. Yep. Yeah.\n\nYeah. I under I understand that. No. I understand that. That's fine.\n\nWhat did I say? Page 18. Yeah. Okay. Got it.\n\nI think yeah. I'm on it. Yep. Yeah. Yep.\n\nYep. Yep. Yeah. That's okay. Five twenty twenty one.\n\nYep. 125529. Touchy. No. No.\n\nI I heard you say 21, but the phone's touchy. I've got a crack in my screen, and I touch it and goes everywhere. Page 22. Page 21. Okay.\n\nSorry about it. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nThat's fine. No. Not not I've got questions, but not yet. We'll keep going. Yep.\n\nYep. Yep. Yeah. I've I've been finishing work on the I've actually bought a portal a week, so I think it's about the December 3. Whatever the whatever the first Wednesday is of December.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Okay. Cool. Yeah. It does.\n\nYes. 100%. Yep. Yep. No.\n\nThat's that's fine. Yeah. Yep. K. No.\n\nThat's that sounds good. Yep. Yep. Yep. No.\n\nThat's fine. Yep. That's fine. Yep. Yeah.\n\nYep. Yep. Yep. Yep. I do.\n\nYeah. What could I could I just put it into my normal bank account? Okay. Yep. Yep.\n\nYep. Yep. Yeah. No. That's fine.\n\nWe got we got another we got our account we can put it in. Yep. That that's that's why we do that's why we do it anyhow. Yep. That's alright.\n\nDo I know the separation certificate for work or don't? Yep. I okay. I'm just making sure that's all. So now and then what did we say?\n\nWhat date do you reckon I can get it? So I'm just I as I said, I wanna order it. I wanna order a car, and I just trying to organize it. Yep. Yep.\n\nYep. Okay. Yeah. Yeah. No.\n\nThat's fine. Yeah. As long as I got it before Christmas. Yep. Yeah.\n\nYeah. Okay. No. That's good. No.\n\nEasy. Yeah. No. That's all I've got. I've got no other questions.\n\nI just had them written down. That's all. Yep. I'll I'll sign it. I'll sign it now.\n\nWhere do I sign it? I'll sign it now. I gotta even read it. You're reading it? I've got all the faith in you.\n\nAlright. Thank you. Taking chat. Right there. Yes.\n\nYep. Yeah. No. That's fine. I can do that.\n\nAlright. I'll get I'll get Judy to do it for me tonight. She is. I've yeah. Yeah.\n\nI signed everything, haven't I? Because it was finished. That was finished and spinning, so I thought it was gone. Alright. You should have it.\n\nNo problem at all. Yep. Yep. That'd be me last that'd be the third is, oh, is that right? Yeah.\n\nHang on. Let me think. That'd be the second of December. Sorry. It'd be the Wednesday, the second.\n\nThat'd be the final payments from. Should be. Yes. Right. Yeah.\n\nNo. That's fine. That's fine. Yeah. No.\n\nThat that'd be fine. Thank you, Diana. No problem. You too. Thank you, Dana.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Marcus.","start":0.32,"end":1.12,"sentiment":"neutral","sentiment_score":0.1101430356502533},{"text":"How is it?","start":1.12,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.11902959148089091},{"text":"Good.","start":5.8399997,"end":6.0,"sentiment":"positive","sentiment_score":0.5297622680664062},{"text":"Thank you.","start":6.0,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5850686728954315},{"text":"How are you?","start":6.3999996,"end":7.22,"sentiment":"positive","sentiment_score":0.36647335688273114}],"sentiment":"neutral","sentiment_score":0.3069722300226038,"num_words":11,"start":0.32,"end":7.22},{"sentences":[{"text":"Yeah.","start":14.32,"end":14.639999,"sentiment":"positive","sentiment_score":0.35654783248901367},{"text":"That's 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Dana.","start":1506.8389,"end":1507.6389,"sentiment":"positive","sentiment_score":0.6395490368207296}],"sentiment":"positive","sentiment_score":0.4537481080208506,"num_words":14,"start":1473.27,"end":1507.6389},{"sentences":[{"text":"Bye.","start":1507.6389,"end":1508.1389,"sentiment":"positive","sentiment_score":0.4286810159683227},{"text":"Bye.","start":1509.1589,"end":1509.6589,"sentiment":"neutral","sentiment_score":0.198983371257782}],"sentiment":"neutral","sentiment_score":0.31383219361305237,"num_words":2,"start":1507.6389,"end":1509.6589}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Marcus. How is\n\nChannel 0: Hi, Michael. It's Dana from Ophiu Financial. How are you today?\n\nChannel 1: it? Good. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your updated statement of advice. Is now still a good time for you?\n\nChannel 1: Yeah. That's perfect.\n\nChannel 0: Fantastic. I'm just gonna get through to you via email. Are you able to pop into your emails at the moment at all?\n\nChannel 1: Yeah. I could. Yeah.\n\nChannel 0: Yes. Fantastic. I'm just pressing send on this one. It's normally easier if you're looking at the advice document with me. That's all.\n\nNow, hopefully, it comes through fairly quickly for you. I do apologize if it doesn't. Emails sometimes let me sometimes don't.\n\nChannel 1: Yep. Yeah. Well, I'm not understand that.\n\nChannel 0: Has anything come through as of\n\nChannel 1: No. It hasn't.\n\nChannel 0: yet? No. That's okay. Double check your junk mail as well. It's telling\n\nChannel 1: No.\n\nChannel 0: me\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: just\n\nChannel 0: has\n\nChannel 1: checked the\n\nChannel 0: just\n\nChannel 1: junk\n\nChannel 0: gone\n\nChannel 1: mail\n\nChannel 0: through.\n\nChannel 1: then. It's not there.\n\nChannel 0: No. Then that's okay. We'll just give it another minute and see if it pop through for you. Mhmm. Definitely\n\nChannel 1: Hang\n\nChannel 0: sending. Yeah. It's definitely gone through. Push one again.\n\nChannel 1: on. I'll\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: okay.\n\nChannel 1: check junk and check junk again.\n\nChannel 0: Yeah. You're right. I might just resend it again to you. I'll just pop back out and resend because I know yesterday and today the email was a little bit slow, so it might\n\nChannel 1: Yeah.\n\nChannel 0: be easier if I just resend it to you.\n\nChannel 1: It's come it comes from ICONS. Why not?\n\nChannel 0: Yeah.\n\nChannel 1: Telstra. Telstra. Telstra. Telstra. Telstra.\n\nChannel 0: No. That's okay. I'm just quickly writing a new message in there for you, and I'll just reattach these documents to make it easier. Here we go. I'll just press send on this one again to see if this one comes through.\n\nI know last time we're having the same problem. It was just the emails are taking a really long time to come through. So\n\nChannel 1: Yep.\n\nChannel 0: I'll just resend this one again for you, and, hopefully, the second link will\n\nChannel 1: Yeah.\n\nChannel 0: be better. That's all good.\n\nChannel 1: I still\n\nChannel 0: Other\n\nChannel 1: I\n\nChannel 0: than\n\nChannel 1: still\n\nChannel 0: that\n\nChannel 1: haven't got I still haven't got the first one yet. So\n\nChannel 0: no. That's okay. All good. Other than that, though, how's your day been so far?\n\nChannel 1: yeah. No. Pretty good. Finish work at 10:00, so pretty good.\n\nChannel 0: Fantastic.\n\nChannel 1: Started\n\nChannel 0: Excellent.\n\nChannel 1: at four. So\n\nChannel 0: Yeah. Oh, yes. So you've basically done a whole day by the time I start work.\n\nChannel 1: Yep. And it's good. I\n\nChannel 0: Yeah.\n\nChannel 1: love\n\nChannel 0: No.\n\nChannel 1: it.\n\nChannel 0: No. All good. Before we jump into the call, just while that email is coming through to you there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Yeah. I'll just got that email then.\n\nChannel 0: Oh, fantastic. And I'll just do a really quick security test there with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Michael Leslie Tozer. Date of birth, '15\n\nChannel 0: Yep.\n\nChannel 1: 12/1966.\n\nChannel 0: Yep.\n\nChannel 1: And address, you should have Unit 1203 Dash 12 Enley Avenue, Surfers Paradise\n\nChannel 0: Perfect.\n\nChannel 1: 4217.\n\nChannel 0: Fantastic. Excellent. Thank you so much for that. Excellent. So when you get that, that email should have come through there as you mentioned.\n\nIf you just click on the sign button, it'll allow you to move forward so you can view the document and move up and down through it. It will\n\nChannel 1: Yes.\n\nChannel 0: not ask you to sign anything until you get to the end of it, and I would like to go through it before you do sign it to make sure that you've understood it all. Okay?\n\nChannel 1: Alright. Yeah. Click to start, you say?\n\nChannel 0: Yep. That's the one. Yeah. Perfect. Sorry.\n\nChannel 1: You alright? I'll just make it brighter so I can see it.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Anyway, it's gonna be funning around so I can see it that way. Alright. I got it now. Yep.\n\nChannel 0: Yeah. Perfect. So on the front page here, it says statement advised as prepared for yourself on the 10/06/2020 oh, sorry. 08/06/2026. I'm a few months ahead of myself.\n\nChannel 1: Yep. Home's\n\nChannel 0: Essentially,\n\nChannel 1: coming quick enough.\n\nChannel 0: on the, isn't it? On the bottom there, it's got down prepared by myself and my lovely team here at OCE Financial, and my authorized representative number is 1304394.\n\nChannel 1: Yep.\n\nChannel 0: If you scroll forward, the next page outlines that any advice provided is provided under the best interest duty, which is part of the corporations act, and we're licensed under section nine of that.\n\nChannel 1: Yep.\n\nChannel 0: If you move down to page number three and four, this essentially just shows that we're scoping in and out areas of the advice. So with this one here, we're looking at your superannuation and retirement aspect. So you are almost ready to retire. You turn\n\nChannel 1: Yep.\n\nChannel 0: 60 in December. We're looking to have you retire at that point, move you into the pension phase, and draw at a 110,000 so that you're able to pay off any debt, take some time off, purchase a new car, and have a bit of a holiday there as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Beautiful. Underneath that, we're scoping cash flow, budgeting, and debt because the reason for withdrawing that amount of money is to cover the debt as well.\n\nChannel 1: Yep.\n\nChannel 0: So that has been scoped in for you. Areas that we're not considering on page number five. This is areas of insurance. If you don't have any insurances, we can look at those down the track depending on changes to your circumstance that you are happy not having any currently.\n\nChannel 1: Yeah. I'm\n\nChannel 0: We're\n\nChannel 1: happy.\n\nChannel 0: also wanting\n\nChannel 1: Yeah.\n\nChannel 0: to explore we're also wanting to down the track and look at Social Security. So I have to go to app for now because after speaking to yourself and Judith, we did agree that early next year, we'll come back together with the two of you. I'll update and change some advice and rehab a conversation with the two of you together, and we'll update a joint advice document with that one,\n\nChannel 1: Yep.\n\nChannel 0: what your joint goals are, what your plans are moving forward after this first year, three months you've enjoyed off, and\n\nChannel 1: Yep.\n\nChannel 0: then we can look at updating the advice and also factor in Social Security down the track there for you as well. Okay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Excellent. Excellent. I've got on sec page number 70 about you section. Do you see any major changes that would need to be updated in relation to that area there at all, or is that all fairly much the same as it was?\n\nChannel 1: No. It's all the same, I think.\n\nChannel 0: Perfect. So sorry.\n\nChannel 1: Yeah. You're\n\nChannel 0: All good.\n\nChannel 1: fine.\n\nChannel 0: And then the next page outlines your personal assets and liabilities that you've noted down there, which will all basically be gone in a few months' time, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now I will let you go back after the call and definitely have a read to the document. As you are sort of scrolling through, from page 11 onwards, it outlines all the recommendations as kind of breaks or damages the wording. We know that's interest to you, so\n\nChannel 1: Yeah.\n\nChannel 0: relating the recommendations back to your goal. And then we do also note the advantages, disadvantages, and the risks involved. To\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: I\n\nChannel 0: it easier\n\nChannel 1: under I\n\nChannel 0: on\n\nChannel 1: understand\n\nChannel 0: yourself\n\nChannel 1: that. No. I understand\n\nChannel 0: easy.\n\nChannel 1: that. That's\n\nChannel 0: I'll\n\nChannel 1: fine.\n\nChannel 0: easy. I'll get you to go to page number 18 for me, and I'll take you through the recommendations. I'll just have to the pages that I need to, and then you're welcome to go back and have a really good read of the document thereafter. Okay?\n\nChannel 1: What did I say? Page 18.\n\nChannel 0: 18. Yeah.\n\nChannel 1: Yeah. Okay. Got it. I think yeah. I'm on it.\n\nChannel 0: Fantastic. So with page 18 there, essentially, it is showing you your current investment portfolio. So one of the things that we talked about was starting off by reducing your risk level. So at the moment, you're in more of a growth portfolio. Because you are looking to retire in the next few months, we wanted to put some things in place to reduce your risk level.\n\nSo as you are moving closer to being able to access your funds,\n\nChannel 1: Yep.\n\nChannel 0: that you're not going through such high highs and low lows that the market can provide. So in order to reduce your risk level, we need to update your portfolio. So these are the changes that we're going to make. We're going to sell off, sorry, the battery and lithium tax, the ban\n\nChannel 1: Yeah.\n\nChannel 0: among Australian equities, the bank hybrids are gonna be gone as well. We're going to keep the physical gold and buy more of that. We wanna hold about 10% in your portfolio to increasing your physical gold exposure. We want to also decrease the cyber security. So we still wanna keep cyber security in your portfolio, but decrease the level of exposure to 3% from currently 8%.\n\nChannel 1: Yep.\n\nChannel 0: Also wanna increase the defensive the defensive component of your portfolio. This is more lower risk and income producing. So increasing your exposure into core composite funds. So increasing from 8% to 25%, we're going to sell off some S and P 500 to reduce you down to 22%, sell off all the bare neck property, sell off all of the Rafi 200, and then we're gonna buy into the European exposure, the Vanguard All World Index, the BetaShares a 200, and also some high interest cash account there as well. So the red is what we're gonna sell off, the green is what we're gonna buy, and the last\n\nChannel 1: Yep.\n\nChannel 0: column, which is your target balance, is where you will see essentially all your super invested moving forward. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yeah. That's okay.\n\nChannel 0: Beautiful. That is reducing your risk level, which is fantastic. It's also updating your portfolio, which is going to be really good. If you scroll down for me just to page number 21, I can show you the outcome expected.\n\nChannel 1: Five twenty twenty one. Yep.\n\nChannel 0: 21. So sorry. Yes. The fee comparison table. Is that what you're looking at?\n\nChannel 1: 125529.\n\nChannel 0: Yes. Page\n\nChannel 1: Touchy.\n\nChannel 0: 21 is the one we're up. Sorry.\n\nChannel 1: No. No. I I heard you say 21, but the phone's touchy.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: I've got a crack in my screen, and I touch it and goes everywhere.\n\nChannel 0: Oh, no.\n\nChannel 1: Page 22. Page 21. Okay. Sorry about it.\n\nChannel 0: Yeah. No. That's absolutely fine. So the first column outlines your current balance of $147,001.59. You've\n\nChannel 1: Yep.\n\nChannel 0: got your administration fees, investment fees, your ongoing service fee for us looking after your super and providing the advice. Your\n\nChannel 1: Yep.\n\nChannel 0: contributions going in, that's including your current salary sacrifice, and there's no insurance premium coming\n\nChannel 1: Yep.\n\nChannel 0: out. At the moment, you're in that growth environment, which is 80% invested in those higher risk investments. So you and when you think about risk out of the number between one and five, you're sitting at about three there. But\n\nChannel 1: Yep.\n\nChannel 0: having 80% in those higher risk investments does see more ups and downs with your balance increases. So being as you're only about four months out from accessing your super, we wanted to reduce your risk level a little bit and protect more of your capital. So, essentially, the growth portfolio, when we look at it over the past five years, it's averaged about 8.92%, which is by no means bad. But in in reducing your risk level, we're gonna make those alterations to your portfolio. And on the bottom line, the balanced portfolio, when we look at that over the past five years, has actually seen a 9.01% return.\n\nSo this sort of portfolio is reducing a risk level, but it's also seeing good past performance, which can, in the future, also provide greater future performance as well. Okay?\n\nChannel 1: Yep. Yes.\n\nChannel 0: Now it's important to note that your super fund, just like you, does pay capital gains tax. It does a tax return every year as well. So in the top differences column there, you'll see the the number $729. In order to\n\nChannel 1: Yeah.\n\nChannel 0: make the changes in your portfolio, your super fund will account for capital gains tax, and it's estimated to be $729 there.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: The good thing the other good thing about this portfolio is that it's also got a lower cost for investment fees. So at the moment, your current portfolio, you pay about $608. With the recommended, it reduces your investment fees to 200\n\nChannel 1: Yep.\n\nChannel 0: and $33 for the year. So it is saving you about $375 in the way of investment fees in the first year as well. So it's a lower cost portfolio performing well and also reducing your risk level. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Excellent. The ongoing service fee does continue to come there, and over the next four months, we still will see your contributions going into the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, we will see growth out of the portfolio, but we do know that over the next four months, it will be minimal growth, and it's still important to put these things in place to protect your super. So when we consider the projection at the bottom there over the next four months between where you could be if you stayed where you are versus making the changes, we do note that you would be worth up by that $614. But it is still\n\nChannel 1: Yep.\n\nChannel 0: best to make the the change to reduce the risk level and to be in that lower cost portfolio. Essentially, you still wanna pull some money out to be able to pay off your debt and enjoy you the first few months of your time, and then we're gonna come back and review everything and update the advice to keep you super growing and working for you. So\n\nChannel 1: Yep. Yep.\n\nChannel 0: making these changes is still gonna be in best interest. Okay?\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Beautiful. Do do you have any questions so far, Mark? Was there\n\nChannel 1: No.\n\nChannel 0: anything\n\nChannel 1: Not not\n\nChannel 0: that\n\nChannel 1: I've\n\nChannel 0: flagged\n\nChannel 1: got\n\nChannel 0: us\n\nChannel 1: questions,\n\nChannel 0: now?\n\nChannel 1: but not yet. We'll keep going.\n\nChannel 0: Excellent. If you go down to page number 23 for me, this is just outlining that once we've made those changes so we're gonna now start by just doing the investment switch. Once the investment\n\nChannel 1: Yep.\n\nChannel 0: switch has been completed now, your portfolio will be sitting in that newer portfolio for the\n\nChannel 1: Yep.\n\nChannel 0: next four months. My team will then add a flag that in December, we will give you a call when you're about to retire. We'll get you to confirm that you have retired. I'll probably get them to call you about a week out.\n\nChannel 1: Yep.\n\nChannel 0: We'll just\n\nChannel 1: Yeah.\n\nChannel 0: say,\n\nChannel 1: I've\n\nChannel 0: hey. Just\n\nChannel 1: I've been\n\nChannel 0: confirm\n\nChannel 1: finishing\n\nChannel 0: me\n\nChannel 1: work on the I've actually bought a portal a week, so\n\nChannel 0: yep.\n\nChannel 1: I think it's about the December 3.\n\nChannel 0: Beautiful.\n\nChannel 1: Whatever\n\nChannel 0: So\n\nChannel 1: the whatever\n\nChannel 0: I will\n\nChannel 1: the first Wednesday is of December.\n\nChannel 0: that's Wednesday. Yep. Absolutely. I will add a reminder in there that we will give you a call then to confirm that your retirement's gone through. We just need you to double check with your employer when they're expecting your last contribution to go into super.\n\nOnce we receive that contribution and you turn 60, we'll get you to preprep all documents. So on your sixtieth birthday, we'll send those documents to you. You can sign them. We will then action the transfer into pension phase, move you\n\nChannel 1: Yep.\n\nChannel 0: wholly into pension phase. The main reason I wanna move wholly into pension phase before withdrawing the money is that in accumulation in super phase where you are now, your super pays income and capital gains tax. Whereas if we\n\nChannel 1: Yep.\n\nChannel 0: move you into this pension phase, it's a fully tax free system. So\n\nChannel 1: Yep.\n\nChannel 0: the intention phase is no income tax, so CGT tax, which means when we sell down the investment to draw the 110,000 out, it will be completely tax free to you, but it will also be tax free to your super fund. Instead of\n\nChannel 1: Okay.\n\nChannel 0: it paying, you know, 1 or $2,000 in tax to\n\nChannel 1: Yep.\n\nChannel 0: sell down\n\nChannel 1: Yep.\n\nChannel 0: investments, that'll all stay invested for you. Does that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: Cool. Yeah. It does. Yes.\n\nChannel 0: Yep. Beautiful. We we used to pay more than enough tax over your last time. You should save as much as possible in retirement.\n\nChannel 1: 100%.\n\nChannel 0: Excellent. So we will essentially organize that for you, have that drawdown paid as a pension payment. I'm doing it as a pension payment because when you move into pension phase, you do have minimum pensions that you have to make on a yearly basis. When you turn 60, it's currently 4%. So doing it as a pension payment means that you make that requirement, and then you don't have to take any more funds out for the year.\n\nSo it means that we can keep the rest of the money sitting in there. It\n\nChannel 1: Yep.\n\nChannel 0: does also show that once with the projected balance, we expect to have in December to be about a $149,008.43. Once we draw that a 110,000 out, we do expect your current balance then to be about $39,843.\n\nChannel 1: Yep.\n\nChannel 0: So just so you're aware, that's what we're expecting. That\n\nChannel 1: No. That's\n\nChannel 0: will remain\n\nChannel 1: that's\n\nChannel 0: invested\n\nChannel 1: fine. Yeah.\n\nChannel 0: for you. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And as I kinda mentioned, I'm gonna organize organize a time early next year for myself, you, and Judith to all meet to have another updated conversation to look at your goals and to provide advice to you both again to move forward and continue growing everything. Okay?\n\nChannel 1: K. No. That's that sounds good.\n\nChannel 0: Excellent. All good. That is essentially the bulk of the recommendations there. It's just about doing the investment switch now and then rolling in the pension phase when you retire and then drawing the 110,000 down, and then we'll make sure we meet again early next year so you have it all updated. The only other thing I need to make mention is when we open that pension account, we still need to have a beneficiary nomination applied to it.\n\nChannel 1: Yep.\n\nChannel 0: So I will recommend that my team set up a binding on that same beneficiary, the same as your super onto your pension, and nominate the full amount fee paid to Judith in the event that something\n\nChannel 1: Yep.\n\nChannel 0: happens to you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: No. That's fine. Yep. That's fine.\n\nChannel 0: Excellent. Nice and easy one for you. You're welcome to go back and have a good read of the document there. As there's no additional upfront or implementation fees, this is the advice you're on an ongoing service agreement with us at the moment. You pay 1.10%.\n\nThe amount in there is based on the current balance. We know that that amount would decrease when the 110,000 is drawn out, but we've\n\nChannel 1: Yep.\n\nChannel 0: just estimated the the fee amount to be on the total balance currently\n\nChannel 1: Yeah.\n\nChannel 0: for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: Easy. Do you have any questions for me? Please let me know if\n\nChannel 1: Yep.\n\nChannel 0: you do.\n\nChannel 1: Yep. I do. Yeah. What\n\nChannel 0: Yep. Sure.\n\nChannel 1: could I could I just put it into my normal bank account?\n\nChannel 0: Yes. So what you'll do is when we open the pension account, my team will ask for your bank account information. It just needs\n\nChannel 1: Okay.\n\nChannel 0: to be a bank account that you're able to essentially receive funds to. Once\n\nChannel 1: Yep.\n\nChannel 0: the funds are received, it is wise to move the funds out of your access account. So if you're gonna want the 110,000 is received into the bank account there, pay off any bills that you're wanting to pay off, get all that sorted. And\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Yep.\n\nChannel 0: if you have a large sum of savings, if you've got, like, a savings account you can move it into, try and move as much as you can out of your access account. It's generally not advisable to leave large sums of money in your access account because when you think about scammers and things like that, when people get\n\nChannel 1: Yep.\n\nChannel 0: access, they tend to get access to an access account or\n\nChannel 1: Yeah.\n\nChannel 0: an\n\nChannel 1: No.\n\nChannel 0: everyday\n\nChannel 1: That's fine. We\n\nChannel 0: account.\n\nChannel 1: got we got\n\nChannel 0: So\n\nChannel 1: another we got our account we can put it in.\n\nChannel 0: yeah. And your banker will probably mention that to you as well. It's a large sum, move a bit out, and you can just move money back into your everyday account as\n\nChannel 1: Yep.\n\nChannel 0: you need to spend it or if there's a certain amount you need to leave in there. Absolutely.\n\nChannel 1: That\n\nChannel 0: But\n\nChannel 1: that's\n\nChannel 0: it's just\n\nChannel 1: that's\n\nChannel 0: sort\n\nChannel 1: why\n\nChannel 0: of make\n\nChannel 1: we do\n\nChannel 0: sure that\n\nChannel 1: that's\n\nChannel 0: that\n\nChannel 1: why\n\nChannel 0: money's\n\nChannel 1: we\n\nChannel 0: available.\n\nChannel 1: do it anyhow.\n\nChannel 0: Fantastic. Fantastic. So and what are there any other questions that you\n\nChannel 1: Yep.\n\nChannel 0: might have? You're welcome. So sorry.\n\nChannel 1: That's alright. Do I know the separation certificate for work or don't?\n\nChannel 0: No. You definitely don't. Essentially, all we do is assign the declaration. We just pick a box to say that you're 60, that you've confirmed that you are retired. It's just a declaration that we make that you sign off on as part of the application for pension.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: you don't need\n\nChannel 1: I\n\nChannel 0: a separation certificate at all. Yeah.\n\nChannel 1: okay. I'm just making sure that's all. So\n\nChannel 0: Yeah. You're right.\n\nChannel 1: now and then what did we say? What date do you reckon I can get it? So I'm just I as I said, I wanna order it. I wanna order a car, and I just trying to organize it.\n\nChannel 0: No. That's okay. So your birthday is actually on the December 15.\n\nChannel 1: Yep.\n\nChannel 0: So we will be able to send those documents to you on the December 15. It takes a couple of days for the pension\n\nChannel 1: Yep.\n\nChannel 0: account to be physically open. So\n\nChannel 1: Yep.\n\nChannel 0: I would probably say within a week or two is when you're probably gonna receive that payment, but we will make sure that we confirm the date of that payment for you to make it easier.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: No.\n\nChannel 0: once\n\nChannel 1: That's\n\nChannel 0: the pension\n\nChannel 1: fine.\n\nChannel 0: account opens, we can confirm the date that it'll come out to make it easier\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: As\n\nChannel 0: you.\n\nChannel 1: long as I got it before Christmas.\n\nChannel 0: Before Christmas. No worries\n\nChannel 1: Yep.\n\nChannel 0: at all.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay. No. That's good.\n\nChannel 0: Excellent. Easy.\n\nChannel 1: No. Easy. Yeah. No. That's all I've got.\n\nI've got no other questions. I just had them written down. That's all.\n\nChannel 0: You're absolutely fine. If anything else please comes up, please let me know. You're welcome to take some time to reach the documents, show Judith, or whatever you're comfortable doing. And once\n\nChannel 1: Yep.\n\nChannel 0: you're happy to proceed with that one, we'll just get you to sign the bottom of that page, return everything back to us, and we can start the implementation process there for\n\nChannel 1: I'll\n\nChannel 0: you.\n\nChannel 1: I'll sign\n\nChannel 0: Okay?\n\nChannel 1: it. I'll sign it now. Where do I sign it?\n\nChannel 0: Let's if you scroll down to the very bottom, you'll see the little sign section there.\n\nChannel 1: I'll sign it now. I gotta even\n\nChannel 0: There.\n\nChannel 1: read it.\n\nChannel 0: Yep.\n\nChannel 1: You're reading it? I've got all the faith in\n\nChannel 0: Thank you. I will look after you. I promise.\n\nChannel 1: you. Alright. Thank you. Taking\n\nChannel 0: That's\n\nChannel 1: chat.\n\nChannel 0: okay.\n\nChannel 1: Right\n\nChannel 0: The\n\nChannel 1: there.\n\nChannel 0: excellent. The other thing I need to do, Michael, is I'd also need to\n\nChannel 1: Yes.\n\nChannel 0: Are you we have a new system for updating identification called the safe ID. It's a more secure way of updating a client's identification. It's approved by Aptive and the Financial Planning and Association. Are you comfortable if I send that link to you via email and get you to to follow the prompts to update your identification on file with us?\n\nChannel 1: Yep. Yeah. No. That's fine. I can do that.\n\nChannel 0: Yep. Fantastic. I'll get that done up shortly and send it through to you, and I'll get my colleagues to give you a call once it's gone to let you know it's in your email ready to go. It just comes through from Safe ID, and it's just a process to say that we are trying to get your identification updated. You press the button and follow the link.\n\nIf you have trouble, please let me know. Okay?\n\nChannel 1: Alright. I'll get I'll get Judy to do it for me tonight.\n\nChannel 0: Oh, fantastic. She's a good soul, isn't she?\n\nChannel 1: She is.\n\nChannel 0: Beautiful. How are you going with that document there?\n\nChannel 1: I've yeah. Yeah. I signed everything, haven't I?\n\nChannel 0: I'm just clicking the email to see if it's come through. It does sometimes take a second to come back.\n\nChannel 1: Because it\n\nChannel 0: On\n\nChannel 1: was finished.\n\nChannel 0: the bottom of yours, does it say anything else?\n\nChannel 1: That was finished and spinning, so I thought it was gone.\n\nChannel 0: It might still be thinking about it.\n\nChannel 1: Alright. You should have it.\n\nChannel 0: There we go. I'll just there we go. It's come through. Fantastic. Thank you so much for that, Michael.\n\nChannel 1: No\n\nChannel 0: We'll\n\nChannel 1: problem\n\nChannel 0: get\n\nChannel 1: at\n\nChannel 0: cracking\n\nChannel 1: all.\n\nChannel 0: on that investment switch and get that sorted. I'll get that ID link sent to you to update your ID on file. And\n\nChannel 1: Yep.\n\nChannel 0: then if you have any questions or issues, let me know, and we'll make sure we have the link set up to give you a call on the December 3 to organize on the first Wednesday there to organize that pension application. We can't\n\nChannel 1: Yep.\n\nChannel 0: send it to you to sign until your actual birthday for the fifteenth, but we can give you a call in advance just to reconfirm things and just make sure we know when your last super payment's going into your super.\n\nChannel 1: That'd\n\nChannel 0: Okay?\n\nChannel 1: be me last that'd be the third is, oh, is that right? Yeah. Hang on. Let me think. That'd be\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: it.\n\nChannel 1: second\n\nChannel 0: Let\n\nChannel 1: of\n\nChannel 0: me\n\nChannel 1: December.\n\nChannel 0: check.\n\nChannel 1: Sorry. It'd be the Wednesday,\n\nChannel 0: You're\n\nChannel 1: the\n\nChannel 0: at\n\nChannel 1: second.\n\nChannel 0: December.\n\nChannel 1: That'd be the final payments from.\n\nChannel 0: Okay. Perfect. So the second is when the final payment should be received.\n\nChannel 1: Should be. Yes.\n\nChannel 0: Yep. Perfect. Not a problem at all. We'll get all that sorted. Are you comfortable with receiving those docs on your birthday to sign?\n\nJust making sure\n\nChannel 1: Right.\n\nChannel 0: that's okay with you.\n\nChannel 1: Yeah. No. That's fine. That's fine.\n\nChannel 0: Yep. Yep. Beautiful. Beautiful. Some people do go, no.\n\nNo. No. Don't. But if we send it on the day, it makes it a bit easier. That means we're able to process everything a little bit quicker for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: No. That that'd be fine.\n\nChannel 0: Fantastic. Well, thank you so much for your time, Michael. If you do find there's any questions coming up, just let me know. In the meantime, we'll get cracking on the investment switch, and we'll be in touch in a few months to organize that pension application for you. Okay?\n\nChannel 1: Thank you, Diana.\n\nChannel 0: My my pleasure. I hope you have a good day. I hope they have a good send off for you as well. I love it. Fantastic.\n\nWell, thank thank you for your time. I hope you enjoy the rest of your day.\n\nChannel 1: No problem. You too. Thank you, Dana. Bye.\n\nChannel 0: Thank you. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello, Marcus.","start":0.32,"end":1.12,"sentiment":"neutral","sentiment_score":0.1101430356502533},{"text":"How is","start":1.12,"end":1.78,"sentiment":"neutral","sentiment_score":0.12906142324209213}],"sentiment":"neutral","sentiment_score":0.11960222944617271,"channel":1,"num_words":4,"start":0.32,"end":1.78},{"sentences":[{"text":"Hi, Michael.","start":2.1599998,"end":2.8,"sentiment":"neutral","sentiment_score":0.20396366715431213},{"text":"It's Dana from Ophiu Financial.","start":2.8,"end":4.4,"sentiment":"neutral","sentiment_score":0.20460029244422911},{"text":"How are you 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you.","start":8.32,"end":8.88,"sentiment":"positive","sentiment_score":0.6816236972808838},{"text":"I had you booked in to go through your updated statement of advice.","start":8.88,"end":12.559999,"sentiment":"positive","sentiment_score":0.35944098463425267},{"text":"Is now still a good time for you?","start":12.559999,"end":14.42,"sentiment":"neutral","sentiment_score":0.2744451928883791}],"sentiment":"positive","sentiment_score":0.38674573886853,"channel":0,"num_words":26,"start":7.3599997,"end":14.42},{"sentences":[{"text":"Yeah.","start":14.32,"end":14.639999,"sentiment":"positive","sentiment_score":0.35654783248901367},{"text":"That's perfect.","start":14.639999,"end":15.46,"sentiment":"positive","sentiment_score":0.6473851799964905}],"sentiment":"positive","sentiment_score":0.5504393974939982,"channel":1,"num_words":3,"start":14.32,"end":15.46},{"sentences":[{"text":"Fantastic.","start":15.255,"end":15.755,"sentiment":"positive","sentiment_score":0.7369153499603271},{"text":"I'm just gonna get through to you via email.","start":17.495,"end":20.375,"sentiment":"positive","sentiment_score":0.3586937487125397},{"text":"Are you able to pop into your emails at the moment at all?","start":20.375,"end":23.675,"sentiment":"neutral","sentiment_score":0.17144239178070655}],"sentiment":"neutral","sentiment_score":0.2693004426748856,"channel":0,"num_words":23,"start":15.255,"end":23.675},{"sentences":[{"text":"Yeah.","start":23.915,"end":24.235,"sentiment":"neutral","sentiment_score":0.08399461209774017},{"text":"I 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is the one we're up.","start":621.025,"end":622.465,"sentiment":"neutral","sentiment_score":0.0028614937715853253},{"text":"Sorry.","start":622.465,"end":622.965,"sentiment":"neutral","sentiment_score":-0.11061820387840272}],"sentiment":"neutral","sentiment_score":-0.013349891606984396,"channel":0,"num_words":7,"start":621.025,"end":622.965},{"sentences":[{"text":"No.","start":623.49,"end":623.73004,"sentiment":"neutral","sentiment_score":-0.13856644928455353},{"text":"No.","start":623.73004,"end":624.05,"sentiment":"neutral","sentiment_score":-0.1526622325181961},{"text":"I I heard you say 21, but the phone's touchy.","start":624.05,"end":626.63,"sentiment":"neutral","sentiment_score":-0.15447165444493294}],"sentiment":"neutral","sentiment_score":-0.15299543552100658,"channel":1,"num_words":12,"start":623.49,"end":626.63},{"sentences":[{"text":"That's okay.","start":627.76996,"end":628.58997,"sentiment":"neutral","sentiment_score":-0.005712080746889114},{"text":"You're 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$147,001.59.","start":642.105,"end":647.245,"sentiment":"neutral","sentiment_score":0.13412570133805274},{"text":"You've","start":647.545,"end":647.785,"sentiment":"neutral","sentiment_score":0.16863369941711426}],"sentiment":"neutral","sentiment_score":0.15327180630993098,"channel":0,"num_words":16,"start":639.945,"end":647.785},{"sentences":[{"text":"Yep.","start":647.56,"end":648.06,"sentiment":"neutral","sentiment_score":0.19470155239105225}],"sentiment":"neutral","sentiment_score":0.19470155239105225,"channel":1,"num_words":1,"start":647.56,"end":648.06},{"sentences":[{"text":"got your administration fees, investment fees, your ongoing service fee for us looking after your super and providing the 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which can, in the future, also provide greater future performance as well.","start":708.63,"end":719.325,"sentiment":"positive","sentiment_score":0.4733101977356549},{"text":"Okay?","start":719.565,"end":720.065,"sentiment":"neutral","sentiment_score":0.23390036821365356}],"sentiment":"positive","sentiment_score":0.4653298700849215,"channel":0,"num_words":30,"start":708.63,"end":720.065},{"sentences":[{"text":"Yep.","start":719.885,"end":720.385,"sentiment":"neutral","sentiment_score":0.1880398392677307},{"text":"Yes.","start":720.445,"end":720.945,"sentiment":"neutral","sentiment_score":0.20286256074905396}],"sentiment":"neutral","sentiment_score":0.19545120000839233,"channel":1,"num_words":2,"start":719.885,"end":720.945},{"sentences":[{"text":"Now it's important to note that your super fund, just like you, does pay capital gains tax.","start":721.72504,"end":726.205,"sentiment":"neutral","sentiment_score":0.16020478132893057},{"text":"It does a tax return every year as 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good thing the other good thing about this portfolio is that it's also got a lower cost for investment fees.","start":744.8,"end":750.135,"sentiment":"positive","sentiment_score":0.5847679319835845},{"text":"So at the moment, your current portfolio, you pay about $608.","start":750.215,"end":754.395,"sentiment":"neutral","sentiment_score":0.2892825413833965},{"text":"With the recommended, it reduces your investment fees to 200","start":754.775,"end":757.895,"sentiment":"positive","sentiment_score":0.4250240057706833}],"sentiment":"positive","sentiment_score":0.4693446329661778,"channel":0,"num_words":42,"start":744.8,"end":757.895},{"sentences":[{"text":"Yep.","start":757.73004,"end":758.23004,"sentiment":"positive","sentiment_score":0.3517158031463623}],"sentiment":"positive","sentiment_score":0.3517158031463623,"channel":1,"num_words":1,"start":757.73004,"end":758.23004},{"sentences":[{"text":"and $33 for the 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fine.","start":1473.27,"end":1474.4099,"sentiment":"neutral","sentiment_score":0.13696779683232307}],"sentiment":"neutral","sentiment_score":0.12134170755743981,"channel":1,"num_words":5,"start":1473.0299,"end":1474.4099},{"sentences":[{"text":"Fantastic.","start":1475.4751,"end":1475.9751,"sentiment":"positive","sentiment_score":0.6067376136779785},{"text":"Well, thank you so much for your time, Michael.","start":1476.275,"end":1478.3551,"sentiment":"positive","sentiment_score":0.614388022157881},{"text":"If you do find there's any questions coming up, just let me know.","start":1478.3551,"end":1481.3501,"sentiment":"neutral","sentiment_score":0.19519363486996064},{"text":"In the meantime, we'll get cracking on the investment switch, and we'll be in touch in a few months to organize that pension application for you.","start":1481.41,"end":1487.7301,"sentiment":"neutral","sentiment_score":0.11321322784687464},{"text":"Okay?","start":1487.7301,"end":1488.2301,"sentiment":"neutral","sentiment_score":0.12183695286512376}],"sentiment":"neutral","sentiment_score":0.2347825588658452,"channel":0,"num_words":50,"start":1475.4751,"end":1488.2301},{"sentences":[{"text":"Thank you, Diana.","start":1488.1849,"end":1489.005,"sentiment":"positive","sentiment_score":0.7361730734507242}],"sentiment":"positive","sentiment_score":0.7361730734507242,"channel":1,"num_words":3,"start":1488.1849,"end":1489.005},{"sentences":[{"text":"My my pleasure.","start":1489.9701,"end":1491.41,"sentiment":"positive","sentiment_score":0.8057108918825785},{"text":"I hope you have a good day.","start":1491.41,"end":1492.6101,"sentiment":"positive","sentiment_score":0.8273790052958897},{"text":"I hope they have a good send off for you as well.","start":1492.6101,"end":1495.1901,"sentiment":"positive","sentiment_score":0.753424271941185},{"text":"I love it.","start":1498.435,"end":1499.335,"sentiment":"positive","sentiment_score":0.8658235867818197},{"text":"Fantastic.","start":1501.3151,"end":1501.8151,"sentiment":"positive","sentiment_score":0.8408046960830688}],"sentiment":"positive","sentiment_score":0.7956981704785273,"channel":0,"num_words":26,"start":1489.9701,"end":1501.8151},{"sentences":[{"text":"Well, thank thank you for your time.","start":1502.1951,"end":1503.715,"sentiment":"positive","sentiment_score":0.8036748766899109},{"text":"I hope you enjoy the rest of your day.","start":1503.715,"end":1505.8151,"sentiment":"positive","sentiment_score":0.7774981790118747}],"sentiment":"positive","sentiment_score":0.7889504842460155,"channel":0,"num_words":16,"start":1502.1951,"end":1505.8151},{"sentences":[{"text":"No problem.","start":1505.8789,"end":1506.439,"sentiment":"positive","sentiment_score":0.4053357094526291},{"text":"You too.","start":1506.439,"end":1506.8389,"sentiment":"positive","sentiment_score":0.4333822876214981},{"text":"Thank you, Dana.","start":1506.8389,"end":1507.6389,"sentiment":"positive","sentiment_score":0.6395490368207296},{"text":"Bye.","start":1507.6389,"end":1508.1389,"sentiment":"positive","sentiment_score":0.4286810159683227}],"sentiment":"positive","sentiment_score":0.5030955150723457,"channel":1,"num_words":8,"start":1505.8789,"end":1508.1389},{"sentences":[{"text":"Thank you.","start":1507.875,"end":1508.615,"sentiment":"positive","sentiment_score":0.6045417487621307},{"text":"See you later.","start":1508.675,"end":1509.395,"sentiment":"positive","sentiment_score":0.46357080340385437}],"sentiment":"positive","sentiment_score":0.5199591815471649,"channel":0,"num_words":5,"start":1507.875,"end":1509.395},{"sentences":[{"text":"Bye.","start":1509.1589,"end":1509.6589,"sentiment":"neutral","sentiment_score":0.198983371257782}],"sentiment":"neutral","sentiment_score":0.198983371257782,"channel":1,"num_words":1,"start":1509.1589,"end":1509.6589},{"sentences":[{"text":"Bye.","start":1509.395,"end":1509.895,"sentiment":"neutral","sentiment_score":-0.10995231568813324}],"sentiment":"neutral","sentiment_score":-0.10995231568813324,"channel":0,"num_words":1,"start":1509.395,"end":1509.895}]},"summary":{"result":"success","short":"During a call with Marcus from Ophiu Financial, Dana from Ophiu Financial confirms his appointment and guides him through updating his information and retirement plan. They discuss retirement plans, reducing risk levels, and retirement savings. The speaker emphasizes the importance of protecting capital and mentions growth opportunities for the future. They also explain the fee comparison table and retirement process, transferring funds, and updating retirement identification. The agent provides instructions on updating identification and offers assistance with updating it through the system. The customer confirms their birthdate and is advised to sign a separation certificate for work and update their ID."},"intents":{"segments":[{"text":"How is Hi, Michael. It's Dana from Ophiu Financial. How are you today? it?","start_word":2,"end_word":15,"intents":[{"intent":"Contact mike","confidence_score":0.00046765342}]},{"text":"Double check your junk mail as well. It's telling No. me I that I it just has checked the just junk gone mail through. then.","start_word":142,"end_word":166,"intents":[{"intent":"Check junk mail","confidence_score":0.13666447}]},{"text":"I might just resend it again to you. I'll just pop back out and resend because I know yesterday and today the email was a little bit slow, so it might Yeah.","start_word":214,"end_word":245,"intents":[{"intent":"Resend document","confidence_score":0.054205135}]},{"text":"I'll just resend this one again for you, and, hopefully, the second link will Yeah.","start_word":336,"end_word":350,"intents":[{"intent":"Resend email","confidence_score":0.5951578},{"intent":"Have email resend","confidence_score":0.00008273435},{"intent":"Resend email","confidence_score":0.01740767}]},{"text":"Pretty good. Finish work at 10:00, so pretty good. Fantastic.","start_word":391,"end_word":400,"intents":[{"intent":"Make progress","confidence_score":0.00008315356}]},{"text":"Finish work at 10:00, so pretty good. Fantastic.","start_word":393,"end_word":400,"intents":[{"intent":"Start work","confidence_score":0.03724432}]},{"text":"Before we jump into the call, just while that email is coming through to you there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Yeah.","start_word":434,"end_word":475,"intents":[{"intent":"Record calls","confidence_score":0.39965883}]},{"text":"I'll just got that email then. Oh, fantastic.","start_word":476,"end_word":483,"intents":[{"intent":"Confirm email","confidence_score":0.1476647}]},{"text":"Just get you to confirm your full name, your date of birth, and address I should have on file. Michael Leslie Tozer.","start_word":498,"end_word":519,"intents":[{"intent":"Confirm caller's name","confidence_score":0.000028096503},{"intent":"Confirm identity","confidence_score":0.022731103},{"intent":"Confirm details","confidence_score":0.010110191},{"intent":"Confirm information","confidence_score":0.0045446795}]},{"text":"Thank you so much for that. Excellent.","start_word":544,"end_word":550,"intents":[{"intent":"Express gratitude","confidence_score":0.003418599}]},{"text":"not ask you to sign anything until you get to the end of it, and I would like to go through it before you do sign it to make sure that you've understood it all. Okay?","start_word":596,"end_word":631,"intents":[{"intent":"Sign email","confidence_score":0.0020156133}]},{"text":"to explore we're also wanting to down the track and look at Social Security.","start_word":963,"end_word":976,"intents":[{"intent":"Explore social security","confidence_score":0.001557753}]},{"text":"I'll update and change some advice and rehab a conversation with the two of you together, and we'll update a joint advice document with that one, Yep.","start_word":1009,"end_word":1035,"intents":[{"intent":"Update advice and advice","confidence_score":0.16500798}]},{"text":"I'll update and change some advice and rehab a conversation with the two of you together, and we'll update a joint advice document with that one, Yep. what your joint goals are, what your plans are moving forward after this first year, three months you've enjoyed off, and Yep. then we can look at updating the advice and also factor in Social Security down the track there for you as well. Okay?","start_word":1009,"end_word":1080,"intents":[{"intent":"Update advice and social security information","confidence_score":0.0023758775}]},{"text":"And then the next page outlines your personal assets and liabilities that you've noted down there, which will all basically be gone in a few months' time, which is fantastic.","start_word":1143,"end_word":1172,"intents":[{"intent":"Discuss important changes in personal assets and liabilities","confidence_score":0.000048047157}]},{"text":"Now I will let you go back after the call and definitely have a read to the document. As you are sort of scrolling through, from page 11 onwards, it outlines all the recommendations as kind of breaks or damages the wording. We know that's interest to you, so Yeah. relating the recommendations back to your goal. And then we do also note the advantages, disadvantages, and the risks involved. To Yeah.","start_word":1175,"end_word":1246,"intents":[{"intent":"Scroll document","confidence_score":0.024229527}]},{"text":"And then we do also note the advantages, disadvantages, and the risks involved. To Yeah.","start_word":1232,"end_word":1246,"intents":[{"intent":"Explain benefits","confidence_score":0.00009574101},{"intent":"Review risks and benefits","confidence_score":0.000085568}]},{"text":"that. That's I'll fine. easy. I'll get you to go to page number 18 for me, and I'll take you through the recommendations. I'll just have to the pages that I need to, and then you're welcome to go back and have a really good read of the document thereafter. Okay? What did I say?","start_word":1261,"end_word":1315,"intents":[{"intent":"Go back to page 18, Confirm understanding","confidence_score":0.0007525801}]},{"text":"I'll get you to go to page number 18 for me, and I'll take you through the recommendations. I'll just have to the pages that I need to, and then you're welcome to go back and have a really good read of the document thereafter. Okay?","start_word":1266,"end_word":1311,"intents":[{"intent":"Go to page number 18, Read document","confidence_score":0.000006596905}]},{"text":"So one of the things that we talked about was starting off by reducing your risk level.","start_word":1346,"end_word":1362,"intents":[{"intent":"Reduce risk level","confidence_score":0.7988888}]},{"text":"So in order to reduce your risk level, we need to update your portfolio.","start_word":1427,"end_word":1440,"intents":[{"intent":"Update portfolio","confidence_score":0.6960109}]},{"text":"So these are the changes that we're going to make.","start_word":1441,"end_word":1450,"intents":[{"intent":"Add to portfolio","confidence_score":0.00077826815}]},{"text":"We want to also decrease the cyber security. So we still wanna keep cyber security in your portfolio, but decrease the level of exposure to 3% from currently 8%. Yep.","start_word":1503,"end_word":1532,"intents":[{"intent":"Prevent cyber security","confidence_score":0.0004827546}]},{"text":"Also wanna increase the defensive the defensive component of your portfolio.","start_word":1533,"end_word":1543,"intents":[{"intent":"Add defensive component to portfolio","confidence_score":0.00009431017}]},{"text":"So increasing from 8% to 25%, we're going to sell off some S and P 500 to reduce you down to 22%, sell off all the bare neck property, sell off all of the Rafi 200, and then we're gonna buy into the European exposure, the Vanguard All World Index, the BetaShares a 200, and also some high interest cash account there as well.","start_word":1560,"end_word":1623,"intents":[{"intent":"Sell bare neck property","confidence_score":0.29150617},{"intent":"Sell rapi 200","confidence_score":0.02150026},{"intent":"Sell s and p 500","confidence_score":0.18084148}]},{"text":"If you scroll down for me just to page number 21, I can show you the outcome expected. Five twenty twenty one.","start_word":1692,"end_word":1713,"intents":[{"intent":"Show outcome","confidence_score":0.48958534}]},{"text":"make the changes in your portfolio, your super fund will account for capital gains tax, and it's estimated to be $729 there. Yep. Okay?","start_word":2063,"end_word":2086,"intents":[{"intent":"Provide portfolio updates","confidence_score":0.0067460355}]},{"text":"We'll get you to confirm that you have retired.","start_word":2475,"end_word":2483,"intents":[{"intent":"Confirm retirement","confidence_score":0.59718686}]},{"text":"I will add a reminder in there that we will give you a call then to confirm that your retirement's gone through. We just need you to double check with your employer when they're expecting your last contribution to go into super. Once we receive that contribution and you turn 60, we'll get you to preprep all documents. So on your sixtieth birthday, we'll send those documents to you. You can sign them.","start_word":2544,"end_word":2616,"intents":[{"intent":"Provide reminder","confidence_score":0.08339469}]},{"text":"We will then action the transfer into pension phase, move you Yep. wholly into pension phase.","start_word":2617,"end_word":2632,"intents":[{"intent":"Transfer to pension phase","confidence_score":0.43554136}]},{"text":"The main reason I wanna move wholly into pension phase before withdrawing the money is that in accumulation in super phase where you are now, your super pays income and capital gains tax. Whereas if we Yep. move you into this pension phase, it's a fully tax free system. So Yep.","start_word":2633,"end_word":2683,"intents":[{"intent":"Create tax free system","confidence_score":0.0006192035}]},{"text":"That is essentially the bulk of the recommendations there. It's just about doing the investment switch now and then rolling in the pension phase when you retire and then drawing the 110,000 down, and then we'll make sure we meet again early next year so you have it all updated.","start_word":3000,"end_word":3049,"intents":[{"intent":"Share recommendations","confidence_score":0.0023614087}]},{"text":"As there's no additional upfront or implementation fees, this is the advice you're on an ongoing service agreement with us at the moment. You pay 1.10%.","start_word":3149,"end_word":3174,"intents":[{"intent":"Pay fees","confidence_score":0.011271854}]},{"text":"could I could I just put it into my normal bank account?","start_word":3242,"end_word":3253,"intents":[{"intent":"Place funds in bank account","confidence_score":0.025201412}]},{"text":"the funds are received, it is wise to move the funds out of your access account. So if you're gonna want the 110,000 is received into the bank account there, pay off any bills that you're wanting to pay off, get all that sorted. And Yep.","start_word":3294,"end_word":3339,"intents":[{"intent":"Move funds","confidence_score":0.53128976},{"intent":"Move money","confidence_score":0.011410958}]},{"text":"Essentially, all we do is assign the declaration. We just pick a box to say that you're 60, that you've confirmed that you are retired. It's just a declaration that we make that you sign off on as part of the application for pension. So Yep.","start_word":3545,"end_word":3590,"intents":[{"intent":"Confirm retirement status","confidence_score":0.05433316}]},{"text":"What date do you reckon I can get it?","start_word":3619,"end_word":3627,"intents":[{"intent":"Determine retirement retirement date","confidence_score":1.1387167e-7}]},{"text":"I would probably say within a week or two is when you're probably gonna receive that payment, but we will make sure that we confirm the date of that payment for you to make it easier. Okay. Yeah.","start_word":3696,"end_word":3733,"intents":[{"intent":"Confirm payment date","confidence_score":0.24526232},{"intent":"Confirm payment date","confidence_score":0.24265815},{"intent":"Clarify payment confirmation","confidence_score":0.005083687}]},{"text":"If anything else please comes up, please let me know. You're welcome to take some time to reach the documents, show Judith, or whatever you're comfortable doing. And once Yep.","start_word":3809,"end_word":3838,"intents":[{"intent":"End conversation","confidence_score":0.08750257}]},{"text":"I'll sign Okay? it. I'll sign it now. Where do I sign it?","start_word":3873,"end_word":3885,"intents":[{"intent":"Sign document","confidence_score":0.08530213}]},{"text":"Are you we have a new system for updating identification called the safe ID. It's a more secure way of updating a client's identification. It's approved by Aptive and the Financial Planning and Association. Are you comfortable if I send that link to you via email and get you to to follow the prompts to update your identification on file with us? Yep.","start_word":3957,"end_word":4019,"intents":[{"intent":"Update identity","confidence_score":0.0043035187}]},{"text":"I'll get that ID link sent to you to update your ID on file. And Yep.","start_word":4236,"end_word":4251,"intents":[{"intent":"Update id link","confidence_score":0.002392644}]},{"text":"then if you have any questions or issues, let me know, and we'll make sure we have the link set up to give you a call on the December 3 to organize on the first Wednesday there to organize that pension application.","start_word":4252,"end_word":4293,"intents":[{"intent":"Schedule pension application","confidence_score":0.23582669}]},{"text":"send it to you to sign until your actual birthday for the fifteenth, but we can give you a call in advance just to reconfirm things and just make sure we know when your last super payment's going into your super. That'd Okay?","start_word":4297,"end_word":4339,"intents":[{"intent":"Confirm signature","confidence_score":0.016256873}]},{"text":"Are you comfortable with receiving those docs on your birthday to sign? Just making sure Right.","start_word":4413,"end_word":4428,"intents":[{"intent":"Process documents","confidence_score":0.12272635}]}]},"sentiments":{"segments":[{"text":"Hello, Marcus. How is Hi, Michael. It's Dana from Ophiu Financial. How are you today? it?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.17123574018478394},{"text":"Good. Thank you. How are you? I'm very well. Thank you. I had you booked in to go through your updated statement of advice.","start_word":16,"end_word":39,"sentiment":"positive","sentiment_score":0.4652528762817383},{"text":"Is now still a good time for you?","start_word":40,"end_word":47,"sentiment":"neutral","sentiment_score":0.2723131775856018},{"text":"Yeah. That's perfect. Fantastic. I'm just gonna get through to you via email.","start_word":48,"end_word":60,"sentiment":"positive","sentiment_score":0.4683642983436585},{"text":"Are you able to pop into your emails at the moment at all? Yeah. I could. Yeah. Yes.","start_word":61,"end_word":78,"sentiment":"neutral","sentiment_score":0.15400871634483335},{"text":"Fantastic.","start_word":79,"end_word":79,"sentiment":"positive","sentiment_score":0.512211799621582},{"text":"I'm just pressing send on this one. It's normally easier if you're looking at the advice document with me. That's all.","start_word":80,"end_word":100,"sentiment":"neutral","sentiment_score":0.283153772354126},{"text":"Now, hopefully, it comes through fairly quickly for you.","start_word":101,"end_word":109,"sentiment":"positive","sentiment_score":0.3992010056972504},{"text":"I do apologize if it doesn't. Emails sometimes let me sometimes don't. Yep. Yeah. Well, I'm not understand that. Has anything come through as of No. It hasn't. yet? No. That's okay. Double check your junk mail as well. It's telling No. me I that I it just has checked the just junk gone mail through. then. It's not there. No. Then that's okay. We'll just give it another minute and see if it pop through for you. Mhmm. Definitely Hang sending. Yeah. It's definitely gone through. Push one again. on. I'll That's just okay. check junk and check junk again. Yeah. You're right. I might just resend it again to you. I'll just pop back out and resend because I know yesterday and today the email was a little bit slow, so it might Yeah. be easier if I just resend it to you. It's come it comes from ICONS. Why not? Yeah. Telstra. Telstra. Telstra. Telstra. Telstra. No. That's okay. I'm just quickly writing a new message in there for you, and I'll just reattach these documents to make it easier. Here we go. I'll just press send on this one again to see if this one comes through. I know last time we're having the same problem. It was just the emails are taking a really long time to come through. So Yep. I'll just resend this one again for you, and, hopefully, the second link will Yeah. be better.","start_word":110,"end_word":352,"sentiment":"neutral","sentiment_score":-0.058821679173428336},{"text":"That's all good.","start_word":353,"end_word":355,"sentiment":"positive","sentiment_score":0.37188953161239624},{"text":"I still Other I than still that haven't got I still haven't got the first one yet. So no. That's okay. All good. Other than that, though, how's your day been so far? yeah. No. Pretty good. Finish work at 10:00, so pretty good.","start_word":356,"end_word":399,"sentiment":"neutral","sentiment_score":0.04566538706421852},{"text":"Fantastic. Started Excellent.","start_word":400,"end_word":402,"sentiment":"positive","sentiment_score":0.512019693851471},{"text":"at four. So Yeah. Oh, yes. So you've basically done a whole day by the time I start work. Yep.","start_word":403,"end_word":422,"sentiment":"neutral","sentiment_score":0.20175926387310028},{"text":"And it's good.","start_word":423,"end_word":425,"sentiment":"positive","sentiment_score":0.3953964114189148},{"text":"I Yeah. love No. it. No. All good. Before we jump into the call, just while that email is coming through to you there, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Yeah. I'll just got that email then.","start_word":426,"end_word":481,"sentiment":"neutral","sentiment_score":0.0832211822271347},{"text":"Oh, fantastic.","start_word":482,"end_word":483,"sentiment":"positive","sentiment_score":0.4331262707710266},{"text":"And I'll just do a really quick security test there with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file. Michael Leslie Tozer. Date of birth, '15 Yep. 12/1966. Yep. And address, you should have Unit 1203 Dash 12 Enley Avenue, Surfers Paradise Perfect. 4217.","start_word":484,"end_word":541,"sentiment":"neutral","sentiment_score":0.09132043272256853},{"text":"Fantastic. Excellent. Thank you so much for that. Excellent.","start_word":542,"end_word":550,"sentiment":"positive","sentiment_score":0.4836212992668152},{"text":"So when you get that, that email should have come through there as you mentioned. If you just click on the sign button, it'll allow you to move forward so you can view the document and move up and down through it. It will Yes. not ask you to sign anything until you get to the end of it, and I would like to go through it before you do sign it to make sure that you've understood it all. Okay? Alright. Yeah. Click to start, you say? Yep. That's the one. Yeah. Perfect. Sorry. You alright? I'll just make it brighter so I can see it. Yeah.","start_word":551,"end_word":658,"sentiment":"neutral","sentiment_score":0.10964220431115893},{"text":"You're right. Anyway, it's gonna be funning around so I can see it that way.","start_word":659,"end_word":673,"sentiment":"positive","sentiment_score":0.4241806566715241},{"text":"Alright. I got it now. Yep.","start_word":674,"end_word":679,"sentiment":"neutral","sentiment_score":0.268599271774292},{"text":"Yeah. Perfect.","start_word":680,"end_word":681,"sentiment":"positive","sentiment_score":0.5788719654083252},{"text":"So on the front page here, it says statement advised as prepared for yourself on the 10/06/2020 oh, sorry. 08/06/2026. I'm a few months ahead of myself. Yep. Home's Essentially, coming quick enough. on the, isn't it? On the bottom there, it's got down prepared by myself and my lovely team here at OCE Financial, and my authorized representative number is 1304394. Yep. If you scroll forward, the next page outlines that any advice provided is provided under the best interest duty, which is part of the corporations act, and we're licensed under section nine of that. Yep. If you move down to page number three and four, this essentially just shows that we're scoping in and out areas of the advice. So with this one here, we're looking at your superannuation and retirement aspect.","start_word":682,"end_word":816,"sentiment":"neutral","sentiment_score":0.08405375480651855},{"text":"So you are almost ready to retire.","start_word":817,"end_word":823,"sentiment":"positive","sentiment_score":0.3694636821746826},{"text":"You turn Yep. 60 in December. We're looking to have you retire at that point, move you into the pension phase, and draw at a 110,000 so that you're able to pay off any debt, take some time off, purchase a new car, and have a bit of a holiday there as well. Yep. Okay?","start_word":824,"end_word":878,"sentiment":"neutral","sentiment_score":0.3097979426383972},{"text":"Beautiful.","start_word":879,"end_word":879,"sentiment":"positive","sentiment_score":0.6371878385543823},{"text":"Underneath that, we're scoping cash flow, budgeting, and debt because the reason for withdrawing that amount of money is to cover the debt as well. Yep. So that has been scoped in for you. Areas that we're not considering on page number five. This is areas of insurance. If you don't have any insurances, we can look at those down the track depending on changes to your circumstance that you are happy not having any currently. Yeah. I'm We're happy. also wanting Yeah. to explore we're also wanting to down the track and look at Social Security. So I have to go to app for now because after speaking to yourself and Judith, we did agree that early next year, we'll come back together with the two of you. I'll update and change some advice and rehab a conversation with the two of you together, and we'll update a joint advice document with that one, Yep. what your joint goals are, what your plans are moving forward after this first year, three months you've enjoyed off, and Yep. then we can look at updating the advice and also factor in Social Security down the track there for you as well. Okay? Yep.","start_word":880,"end_word":1081,"sentiment":"neutral","sentiment_score":0.08992084846048072},{"text":"That sounds good. Excellent. Excellent.","start_word":1082,"end_word":1086,"sentiment":"positive","sentiment_score":0.5607668161392212},{"text":"I've got on sec page number 70 about you section. Do you see any major changes that would need to be updated in relation to that area there at all, or is that all fairly much the same as it was? No. It's all the same, I think. Perfect. So sorry. Yeah.","start_word":1087,"end_word":1138,"sentiment":"neutral","sentiment_score":0.0557725764811039},{"text":"You're All good.","start_word":1139,"end_word":1141,"sentiment":"positive","sentiment_score":0.3539266586303711},{"text":"fine. And then the next page outlines your personal assets and liabilities that you've noted down there, which will all basically be gone in a few months' time, which is fantastic. Yep.","start_word":1142,"end_word":1173,"sentiment":"neutral","sentiment_score":0.25718924403190613},{"text":"Perfect.","start_word":1174,"end_word":1174,"sentiment":"positive","sentiment_score":0.35893285274505615},{"text":"Now I will let you go back after the call and definitely have a read to the document. As you are sort of scrolling through, from page 11 onwards, it outlines all the recommendations as kind of breaks or damages the wording. We know that's interest to you, so Yeah. relating the recommendations back to your goal. And then we do also note the advantages, disadvantages, and the risks involved. To Yeah. make I it easier under I on understand yourself that. No. I understand easy. that. That's I'll fine. easy. I'll get you to go to page number 18 for me, and I'll take you through the recommendations. I'll just have to the pages that I need to, and then you're welcome to go back and have a really good read of the document thereafter. Okay? What did I say? Page 18. 18. Yeah. Yeah. Okay. Got it. I think yeah. I'm on it.","start_word":1175,"end_word":1329,"sentiment":"neutral","sentiment_score":0.11604106426239014},{"text":"Fantastic.","start_word":1330,"end_word":1330,"sentiment":"positive","sentiment_score":0.49707093834877014},{"text":"So with page 18 there, essentially, it is showing you your current investment portfolio. So one of the things that we talked about was starting off by reducing your risk level. So at the moment, you're in more of a growth portfolio. Because you are looking to retire in the next few months, we wanted to put some things in place to reduce your risk level. So as you are moving closer to being able to access your funds, Yep. that you're not going through such high highs and low lows that the market can provide. So in order to reduce your risk level, we need to update your portfolio. So these are the changes that we're going to make. We're going to sell off, sorry, the battery and lithium tax, the ban Yeah. among Australian equities, the bank hybrids are gonna be gone as well. We're going to keep the physical gold and buy more of that. We wanna hold about 10% in your portfolio to increasing your physical gold exposure. We want to also decrease the cyber security. So we still wanna keep cyber security in your portfolio, but decrease the level of exposure to 3% from currently 8%. Yep. Also wanna increase the defensive the defensive component of your portfolio. This is more lower risk and income producing. So increasing your exposure into core composite funds. So increasing from 8% to 25%, we're going to sell off some S and P 500 to reduce you down to 22%, sell off all the bare neck property, sell off all of the Rafi 200, and then we're gonna buy into the European exposure, the Vanguard All World Index, the BetaShares a 200, and also some high interest cash account there as well. So the red is what we're gonna sell off, the green is what we're gonna buy, and the last Yep. column, which is your target balance, is where you will see essentially all your super invested moving forward. Does that make Yep. sense? Yeah. That's okay.","start_word":1331,"end_word":1669,"sentiment":"neutral","sentiment_score":0.047323335929166606},{"text":"Beautiful. That is reducing your risk level, which is fantastic. It's also updating your portfolio, which is going to be really good.","start_word":1670,"end_word":1691,"sentiment":"positive","sentiment_score":0.6474304795265198},{"text":"If you scroll down for me just to page number 21, I can show you the outcome expected. Five twenty twenty one. Yep. 21. So sorry. Yes. The fee comparison table. Is that what you're looking at? 125529. Yes. Page Touchy. 21 is the one we're up. Sorry. No. No. I I heard you say 21, but the phone's touchy. That's okay. You're fine.","start_word":1692,"end_word":1755,"sentiment":"neutral","sentiment_score":0.03097808110760525},{"text":"I've got a crack in my screen, and I touch it and goes everywhere.","start_word":1756,"end_word":1769,"sentiment":"negative","sentiment_score":-0.5069907307624817},{"text":"Oh, no. Page 22. Page 21. Okay. Sorry about it. Yeah. No. That's absolutely fine. So the first column outlines your current balance of $147,001.59. You've Yep. got your administration fees, investment fees, your ongoing service fee for us looking after your super and providing the advice. Your Yep. contributions going in, that's including your current salary sacrifice, and there's no insurance premium coming Yep. out. At the moment, you're in that growth environment, which is 80% invested in those higher risk investments. So you and when you think about risk out of the number between one and five, you're sitting at about three there. But Yep. having 80% in those higher risk investments does see more ups and downs with your balance increases. So being as you're only about four months out from accessing your super, we wanted to reduce your risk level a little bit and protect more of your capital. So, essentially, the growth portfolio, when we look at it over the past five years, it's averaged about 8.92%, which is by no means bad. But in in reducing your risk level, we're gonna make those alterations to your portfolio.","start_word":1770,"end_word":1962,"sentiment":"neutral","sentiment_score":0.1165398210287094},{"text":"And on the bottom line, the balanced portfolio, when we look at that over the past five years, has actually seen a 9.01% return. So this sort of portfolio is reducing a risk level, but it's also seeing good past performance, which can, in the future, also provide greater future performance as well.","start_word":1963,"end_word":2015,"sentiment":"positive","sentiment_score":0.4348973333835602},{"text":"Okay? Yep. Yes. Now it's important to note that your super fund, just like you, does pay capital gains tax. It does a tax return every year as well. So in the top differences column there, you'll see the the number $729. In order to Yeah. make the changes in your portfolio, your super fund will account for capital gains tax, and it's estimated to be $729 there. Yep. Okay? Yep. Yep.","start_word":2016,"end_word":2087,"sentiment":"neutral","sentiment_score":0.13746490019063154},{"text":"The good thing the other good thing about this portfolio is that it's also got a lower cost for investment fees. So at the moment, your current portfolio, you pay about $608. With the recommended, it reduces your investment fees to 200 Yep. and $33 for the year. So it is saving you about $375 in the way of investment fees in the first year as well. So it's a lower cost portfolio performing well and also reducing your risk level.","start_word":2088,"end_word":2168,"sentiment":"positive","sentiment_score":0.5137730836868286},{"text":"Okay? Yep. Yep.","start_word":2169,"end_word":2171,"sentiment":"neutral","sentiment_score":0.2044418752193451},{"text":"Excellent.","start_word":2172,"end_word":2172,"sentiment":"positive","sentiment_score":0.5840256214141846},{"text":"The ongoing service fee does continue to come there, and over the next four months, we still will see your contributions going into the portfolio. Yep. Essentially, we will see growth out of the portfolio, but we do know that over the next four months, it will be minimal growth, and it's still important to put these things in place to protect your super. So when we consider the projection at the bottom there over the next four months between where you could be if you stayed where you are versus making the changes, we do note that you would be worth up by that $614. But it is still Yep. best to make the the change to reduce the risk level and to be in that lower cost portfolio.","start_word":2173,"end_word":2302,"sentiment":"neutral","sentiment_score":0.17759396135807037},{"text":"Essentially, you still wanna pull some money out to be able to pay off your debt and enjoy you the first few months of your time, and then we're gonna come back and review everything and update the advice to keep you super growing and working for you.","start_word":2303,"end_word":2350,"sentiment":"positive","sentiment_score":0.43411898612976074},{"text":"So Yep. Yep. making these changes is still gonna be in best interest. Okay? Yep. Yep. That's fine.","start_word":2351,"end_word":2368,"sentiment":"neutral","sentiment_score":0.22482046484947205},{"text":"Beautiful.","start_word":2369,"end_word":2369,"sentiment":"positive","sentiment_score":0.3949107229709625},{"text":"Do do you have any questions so far, Mark? Was there No. anything Not not that I've flagged got us questions, now? but not yet. We'll keep going.","start_word":2370,"end_word":2397,"sentiment":"neutral","sentiment_score":0.02125453390181065},{"text":"Excellent.","start_word":2398,"end_word":2398,"sentiment":"positive","sentiment_score":0.3673007488250733},{"text":"If you go down to page number 23 for me, this is just outlining that once we've made those changes so we're gonna now start by just doing the investment switch. Once the investment Yep. switch has been completed now, your portfolio will be sitting in that newer portfolio for the Yep. next four months. My team will then add a flag that in December, we will give you a call when you're about to retire. We'll get you to confirm that you have retired. I'll probably get them to call you about a week out. Yep. We'll just Yeah. say, I've hey. Just I've confirm been finishing me work on the I've actually bought a portal a week, so yep. I think it's about the December 3. Beautiful. Whatever So the whatever I will the first Wednesday is of December. that's Wednesday. Yep. Absolutely. I will add a reminder in there that we will give you a call then to confirm that your retirement's gone through. We just need you to double check with your employer when they're expecting your last contribution to go into super. Once we receive that contribution and you turn 60, we'll get you to preprep all documents. So on your sixtieth birthday, we'll send those documents to you. You can sign them. We will then action the transfer into pension phase, move you Yep. wholly into pension phase. The main reason I wanna move wholly into pension phase before withdrawing the money is that in accumulation in super phase where you are now, your super pays income and capital gains tax. Whereas if we Yep. move you into this pension phase, it's a fully tax free system. So Yep. the intention phase is no income tax, so CGT tax, which means when we sell down the investment to draw the 110,000 out, it will be completely tax free to you, but it will also be tax free to your super fund. Instead of Okay. it paying, you know, 1 or $2,000 in tax to Yep. sell down Yep. investments, that'll all stay invested for you. Does that Okay. make sense? Cool. Yeah. It does. Yes. Yep.","start_word":2399,"end_word":2760,"sentiment":"neutral","sentiment_score":0.0966697388138231},{"text":"Beautiful.","start_word":2761,"end_word":2761,"sentiment":"positive","sentiment_score":0.6106703877449036},{"text":"We we used to pay more than enough tax over your last time. You should save as much as possible in retirement.","start_word":2762,"end_word":2783,"sentiment":"neutral","sentiment_score":0.22799992561340332},{"text":"100%. Excellent.","start_word":2784,"end_word":2785,"sentiment":"positive","sentiment_score":0.5009294748306274},{"text":"So we will essentially organize that for you, have that drawdown paid as a pension payment. I'm doing it as a pension payment because when you move into pension phase, you do have minimum pensions that you have to make on a yearly basis. When you turn 60, it's currently 4%. So doing it as a pension payment means that you make that requirement, and then you don't have to take any more funds out for the year. So it means that we can keep the rest of the money sitting in there. It Yep. does also show that once with the projected balance, we expect to have in December to be about a $149,008.43. Once we draw that a 110,000 out, we do expect your current balance then to be about $39,843. Yep. So just so you're aware, that's what we're expecting. That No. That's will remain that's invested fine. Yeah. for you. Yep. Yep.","start_word":2786,"end_word":2941,"sentiment":"neutral","sentiment_score":0.12899179756641388},{"text":"Excellent.","start_word":2942,"end_word":2942,"sentiment":"positive","sentiment_score":0.4271328449249267},{"text":"And as I kinda mentioned, I'm gonna organize organize a time early next year for myself, you, and Judith to all meet to have another updated conversation to look at your goals and to provide advice to you both again to move forward and continue growing everything. Okay? K. No. That's that sounds good.","start_word":2943,"end_word":2996,"sentiment":"neutral","sentiment_score":0.21150018274784088},{"text":"Excellent. All good.","start_word":2997,"end_word":2999,"sentiment":"positive","sentiment_score":0.45573940873146057},{"text":"That is essentially the bulk of the recommendations there. It's just about doing the investment switch now and then rolling in the pension phase when you retire and then drawing the 110,000 down, and then we'll make sure we meet again early next year so you have it all updated. The only other thing I need to make mention is when we open that pension account, we still need to have a beneficiary nomination applied to it. Yep. So I will recommend that my team set up a binding on that same beneficiary, the same as your super onto your pension, and nominate the full amount fee paid to Judith in the event that something Yep. happens to you. Yep. Okay? No. That's fine. Yep. That's fine.","start_word":3000,"end_word":3126,"sentiment":"neutral","sentiment_score":0.13623416423797607},{"text":"Excellent. Nice and easy one for you. You're welcome to go back and have a good read of the document there.","start_word":3127,"end_word":3147,"sentiment":"positive","sentiment_score":0.5820997953414917},{"text":"As there's no additional upfront or implementation fees, this is the advice you're on an ongoing service agreement with us at the moment. You pay 1.10%. The amount in there is based on the current balance. We know that that amount would decrease when the 110,000 is drawn out, but we've Yep. just estimated the the fee amount to be on the total balance currently Yeah. for you. Yep. Okay? Yep.","start_word":3148,"end_word":3218,"sentiment":"neutral","sentiment_score":0.13031040132045746},{"text":"Easy.","start_word":3219,"end_word":3219,"sentiment":"positive","sentiment_score":0.34477323293685913},{"text":"Do you have any questions for me? Please let me know if Yep. you do. Yep. I do. Yeah. What Yep. Sure. could I could I just put it into my normal bank account? Yes. So what you'll do is when we open the pension account, my team will ask for your bank account information. It just needs Okay. to be a bank account that you're able to essentially receive funds to. Once Yep. the funds are received, it is wise to move the funds out of your access account. So if you're gonna want the 110,000 is received into the bank account there, pay off any bills that you're wanting to pay off, get all that sorted. And Yep. then Yep. if you have a large sum of savings, if you've got, like, a savings account you can move it into, try and move as much as you can out of your access account. It's generally not advisable to leave large sums of money in your access account because when you think about scammers and things like that, when people get Yep. access, they tend to get access to an access account or Yeah. an No. everyday That's fine. We account. got we got So another we got our account we can put it in. yeah. And your banker will probably mention that to you as well. It's a large sum, move a bit out, and you can just move money back into your everyday account as Yep. you need to spend it or if there's a certain amount you need to leave in there. Absolutely. That But that's it's just that's sort why of make we do sure that that's that why money's we available. do it anyhow.","start_word":3220,"end_word":3509,"sentiment":"neutral","sentiment_score":0.008250034414231777},{"text":"Fantastic. Fantastic.","start_word":3510,"end_word":3511,"sentiment":"positive","sentiment_score":0.8345565795898438},{"text":"So and what are there any other questions that you Yep. might have? You're welcome. So sorry. That's alright. Do I know the separation certificate for work or don't? No. You definitely don't. Essentially, all we do is assign the declaration. We just pick a box to say that you're 60, that you've confirmed that you are retired. It's just a declaration that we make that you sign off on as part of the application for pension. So Yep. you don't need I a separation certificate at all. Yeah. okay. I'm just making sure that's all. So Yeah. You're right. now and then what did we say? What date do you reckon I can get it? So I'm just I as I said, I wanna order it. I wanna order a car, and I just trying to organize it. No. That's okay. So your birthday is actually on the December 15. Yep. So we will be able to send those documents to you on the December 15. It takes a couple of days for the pension Yep. account to be physically open. So Yep. I would probably say within a week or two is when you're probably gonna receive that payment, but we will make sure that we confirm the date of that payment for you to make it easier. Okay. Yeah. Okay? Yeah. So once No. That's the pension fine. account opens, we can confirm the date that it'll come out to make it easier Yeah. on As you. long as I got it before Christmas. Before Christmas. No worries Yep. at all. Yeah. Yeah. Yeah. Okay. No. That's good.","start_word":3512,"end_word":3782,"sentiment":"neutral","sentiment_score":0.048828620463609695},{"text":"Excellent. Easy.","start_word":3783,"end_word":3784,"sentiment":"positive","sentiment_score":0.4385283589363098},{"text":"No. Easy. Yeah. No. That's all I've got. I've got no other questions. I just had them written down. That's all.","start_word":3785,"end_word":3805,"sentiment":"neutral","sentiment_score":0.12454351782798768},{"text":"You're absolutely fine.","start_word":3806,"end_word":3808,"sentiment":"positive","sentiment_score":0.4226221740245819},{"text":"If anything else please comes up, please let me know. You're welcome to take some time to reach the documents, show Judith, or whatever you're comfortable doing. And once Yep.","start_word":3809,"end_word":3838,"sentiment":"neutral","sentiment_score":0.1560271382331848},{"text":"you're happy to proceed with that one, we'll just get you to sign the bottom of that page, return everything back to us, and we can start the implementation process there for I'll you.","start_word":3839,"end_word":3872,"sentiment":"positive","sentiment_score":0.4599100947380066},{"text":"I'll sign Okay? it. I'll sign it now. Where do I sign it? Let's if you scroll down to the very bottom, you'll see the little sign section there. I'll sign it now. I gotta even There. read it. Yep. You're reading it?","start_word":3873,"end_word":3915,"sentiment":"neutral","sentiment_score":0.04319851100444794},{"text":"I've got all the faith in Thank you. I will look after you.","start_word":3916,"end_word":3928,"sentiment":"positive","sentiment_score":0.3965558111667633},{"text":"I promise. you. Alright.","start_word":3929,"end_word":3932,"sentiment":"neutral","sentiment_score":0.2318523675203323},{"text":"Thank you.","start_word":3933,"end_word":3934,"sentiment":"positive","sentiment_score":0.3736331164836883},{"text":"Taking That's chat. okay. Right The there.","start_word":3935,"end_word":3941,"sentiment":"neutral","sentiment_score":0.13257960975170135},{"text":"excellent.","start_word":3942,"end_word":3942,"sentiment":"positive","sentiment_score":0.4404640793800354},{"text":"The other thing I need to do, Michael, is I'd also need to Yes. Are you we have a new system for updating identification called the safe ID. It's a more secure way of updating a client's identification. It's approved by Aptive and the Financial Planning and Association. Are you comfortable if I send that link to you via email and get you to to follow the prompts to update your identification on file with us? Yep. Yeah. No. That's fine. I can do that. Yep.","start_word":3943,"end_word":4028,"sentiment":"neutral","sentiment_score":0.06926574558019638},{"text":"Fantastic. I'll get that done up shortly and send it through to you, and I'll get my colleagues to give you a call once it's gone to let you know it's in your email ready to go.","start_word":4029,"end_word":4065,"sentiment":"positive","sentiment_score":0.38493260741233826},{"text":"It just comes through from Safe ID, and it's just a process to say that we are trying to get your identification updated. You press the button and follow the link. If you have trouble, please let me know. Okay? Alright. I'll get I'll get Judy to do it for me tonight.","start_word":4066,"end_word":4117,"sentiment":"neutral","sentiment_score":0.11169363558292388},{"text":"Oh, fantastic. She's a good soul, isn't she?","start_word":4118,"end_word":4125,"sentiment":"positive","sentiment_score":0.4687339961528778},{"text":"She is.","start_word":4126,"end_word":4127,"sentiment":"neutral","sentiment_score":0.28752782940864563},{"text":"Beautiful.","start_word":4128,"end_word":4128,"sentiment":"positive","sentiment_score":0.49669164419174194},{"text":"How are you going with that document there? I've yeah. Yeah. I signed everything, haven't I? I'm just clicking the email to see if it's come through. It does sometimes take a second to come back. Because it On was finished. the bottom of yours, does it say anything else? That was finished and spinning, so I thought it was gone. It might still be thinking about it. Alright. You should have it. There we go. I'll just there we go. It's come through.","start_word":4129,"end_word":4212,"sentiment":"neutral","sentiment_score":0.021283908281475306},{"text":"Fantastic. Thank you so much for that, Michael.","start_word":4213,"end_word":4220,"sentiment":"positive","sentiment_score":0.7457520365715027},{"text":"No We'll problem get at cracking all. on that investment switch and get that sorted. I'll get that ID link sent to you to update your ID on file. And Yep. then if you have any questions or issues, let me know, and we'll make sure we have the link set up to give you a call on the December 3 to organize on the first Wednesday there to organize that pension application. We can't Yep. send it to you to sign until your actual birthday for the fifteenth, but we can give you a call in advance just to reconfirm things and just make sure we know when your last super payment's going into your super. That'd Okay? be me last that'd be the third is, oh, is that right? Yeah. Hang on. Let me think. That'd be That's the it. second Let of me December. check. Sorry. It'd be the Wednesday, You're the at second. December. That'd be the final payments from. Okay. Perfect. So the second is when the final payment should be received. Should be. Yes. Yep. Perfect. Not a problem at all. We'll get all that sorted. Are you comfortable with receiving those docs on your birthday to sign? Just making sure Right. that's okay with you. Yeah. No. That's fine. That's fine. Yep. Yep.","start_word":4221,"end_word":4440,"sentiment":"neutral","sentiment_score":0.07900223135948181},{"text":"Beautiful. Beautiful.","start_word":4441,"end_word":4442,"sentiment":"positive","sentiment_score":0.4812270104885102},{"text":"Some people do go, no. No. No. Don't. But if we send it on the day, it makes it a bit easier.","start_word":4443,"end_word":4464,"sentiment":"neutral","sentiment_score":0.1932845562696457},{"text":"That means we're able to process everything a little bit quicker for you as well.","start_word":4465,"end_word":4479,"sentiment":"positive","sentiment_score":0.35495319962501526},{"text":"Yeah. Okay. No. That that'd be fine.","start_word":4480,"end_word":4486,"sentiment":"neutral","sentiment_score":0.11895038187503816},{"text":"Fantastic. Well, thank you so much for your time, Michael.","start_word":4487,"end_word":4496,"sentiment":"positive","sentiment_score":0.6052979826927185},{"text":"If you do find there's any questions coming up, just let me know. In the meantime, we'll get cracking on the investment switch, and we'll be in touch in a few months to organize that pension application for you. Okay?","start_word":4497,"end_word":4536,"sentiment":"neutral","sentiment_score":0.14195138812065125},{"text":"Thank you, Diana. My my pleasure. I hope you have a good day. I hope they have a good send off for you as well. I love it. Fantastic. Well, thank thank you for your time. I hope you enjoy the rest of your day. No problem. You too. Thank you, Dana. Bye. Thank you. See you later.","start_word":4537,"end_word":4594,"sentiment":"positive","sentiment_score":0.7120832800865173},{"text":"Bye. Bye.","start_word":4595,"end_word":4596,"sentiment":"neutral","sentiment_score":0.18279817700386047}],"average":{"sentiment":"neutral","sentiment_score":0.13159953035567273}}}}