{"metadata":{"transaction_key":"deprecated","request_id":"1827acf0-4014-4996-b1b3-a3b6e467bc15","sha256":"454ec091af419d01a6430b73a4dffd7ad8a59f2a29bedb41557e916b80a83355","created":"2026-03-03T07:21:19.235Z","duration":1138.032,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4755,"output_tokens":143},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5253,"output_tokens":5264},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5253,"output_tokens":612}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Craig. It's Dana from Yankee Financial. How are you this afternoon? I'm very well. Thank you. I had you booked in just to run through the updated advice document. Is now a good time there for you? Oh, fantastic. I had just have to double check. I'd we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just a bit of security there as well, I'm discussing your personal information. So we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file there for you. Yep. Yep. Beautiful. Thank you. Yeah. Perfect. Thank you so much. Now do you happen to have access to emails at the moment? If you don't, that is okay. Yep. Perfect. I'm just gonna send through the advice document to you there. I've got your email address as manton_92@yahoo.com. Is that still correct? Yep. Perfect. Okay. This one's just heading directly to you there now. Perfect. Now, hopefully, the Internet locks us today, and it comes through fairly quickly for you. Love technology one that wants to work correctly. That's it. That's the one. Beautiful. Thank you so much. When you open the email there, it should take you directly to it. I think it does ask you if you wanna proceed through, and then it should show first document there, which would just say statement of advice prepared for yourself, Craig, Minh, as of the 03/03/2026. Yep. Okay. So that is if you click on the button that says sign the document, it'll let you go through to see the document, but you don't have to sign it straight away because I don't want you to sign anything you're not comfortable or have not read. Okay. Perfect. Beautiful. Yep. My license number is 1304394, and Oakview Financial have an Australian Financial Services license number 513068 there. Okay? Beautiful. As you are scrolling through the next couple of pages, it just lets you know that any advice we do provide is under the best interest, which is part of the corporations that's making sure that we're here to help you, achieve your goals. And if you go down to page number three, you've got the scoping of the advice there. So we have scoping superannuation. We did wanna discuss looking at your investments. There are a couple that we needed to make some changes to to make sure you are working and on track towards being able to access super, hopefully, at age 67 there for you. And the main you're at the main goal for this advice is that you wanted to access 10% of the funds there. You've recently purchased a new vehicle and wanted to keep a buffer in your bank account there as a bit of a safety net. So we were looking to access the 10% under the transition to retirement strategy so you're able to access some of those funds from super. Okay? Then excellent. The next page has the retirement side of things. So we're not scoping this in as of yet. It's more just about making sure that you're aware there are long term effects of the advice that we do provide. So because you do need that 10%, I wanted to make sure I'm being honest and open and providing you the long term effects that we have illustrated what the retirement looks like based on this recommendation, but we're here to help you moving forward as well. Okay? And we've just got out the retirement so the estate planning side of things. So you're comfortable with your your beneficiary on file. Your partner is known as your beneficiary, and that was where you were comfortable with. You and I can review this moving forward as well. Okay? Perfect. Moving forward through as you do go through, you will see on page number eight that just the assets and liabilities we had noted there for you. We just have your two vehicles there. No current debts to be worried about. And we've got your superannuation balance noted there. So as of the date we did the document, it was a 126,112, which is a bit up from where we were, which is fantastic. If you scroll down to page number 11 for me perfect. Strategy recommendations? That's the one. Beautiful. Now this is just outlining here that so you can access that 10% there. We are commencing a transition retirement pension account for you with the with the balance of 101,090. Sorry. Actually, no. I do apologize. I got that wrong. It's actually a 113,000 because we are actually also including the drawdown there. So the TTR will be open with about a 113,000 there, $1.42. Essentially, once that is open with a 113,000, then we will draw down the the amount for you. The 10% allows you to access $11,311, which is fantastic. And that is leaving the 10,000 behind plus the tax liability in your super account. So that'll be 13,000 left in accumulation. Once that drawdown has been made to you, and this is the first thing we'll do, so we'll open the pension account, move the money in over nice and quick for you. It takes about a week to process, and then we'll complete that drawdown to your bank account so you get the funds. Absolutely. It'll yeah. It'll be a different one. So because we closed the one last year and rolled everything back into super, we open up a brand new account each time we open one. Okay. Perfect. Yeah. Oh, yeah. Yeah. That's okay. That's not a problem at all. I'm just having a quick look as well because we did have when we did your withdrawal last year, we would have got the bank account details. So I will make sure that the team have those on file before we process it. But I'm pretty sure the account details are still gonna be on this application form. I'll just have a really quick look while I've got you. Nope. That's okay. That's really good. Sorry. My computer's a tad bit slow. There we go. Alright. So Sorry. Two seconds. I've opened up one form. It doesn't have it there, but I've opened up the second one I have here, and it should be fine. There we go. Perfect. I've got the Suncorp account here, and it's ending in 78. Yep. Perfect. Lovely. Excellent. Thank you so much. So I'll get let the team know we do have those details on file, and we'll make sure we use the same information there for you. Okay? Perfect. Lovely. So once yeah. Yeah. Absolute. That's okay. We wanna make sure we get this right for you and make it as easy as possible. That's okay. Yep. Perfect. With the sorry. With Craig, just give me the last three digits of the account number. Don't read the whole one out. We don't wanna record the the number. That's all. Sorry. This is yours. Oh, okay. I have a different number on here. That is okay. What I will do is after the call, I will when we get the yeah. What I'll do is I'm just gonna put the recording on hold for you. Are you okay if I grab those details now of you? Yep. Yep. Perfect. So I'm just gonna put the recording on hold. You should hear a beep or hear someone come on saying that the recording has ended. Might be one second. Was there a beep, or was there someone that said the recording had ended? Okay. Perfect. Lovely. So what's the number that you should have there, the account number? Yep. Okay. Perfect. Thank you so much for that. I will make sure the team have that on file, and I'll destroy that as soon as I can. Okay? Perfect. Lovely. Thank you so much for that. Now no. That's okay. That's not a problem at all. I've just sent the recording back on for you now there. Perfect. Thank you very much for that. So just with the advice piece, you'll get that based on the current balance that we expect you to be able to receive the amount of the 11,000 sorry. My computer's there we go. 11311. So once that withdrawal has been completed, then we'll close off the pension account and roll the funds back to accumulation there for you. So everything remains back in the one account invested correctly for you. Okay? Perfect. Now once that has been fully completed there, we will then in that do complete the investment switch for you. So to make it nice and easy, if you can scroll down for me to page number 20, this is gonna show you what we're doing. It has the heading investments, and you'll see a nice lovely table there. Yep. That's the one. So, essentially, with this, it shows you everything you do have in your fund at the moment. Now the one fund that we discussed that was underperforming quite heavily was Bennelong Australian Equities, and our investment committee wanted to get rid of that in everyone's account now. So we're taking and selling all of the Van Along. We'll be selling part of the battery and lithium tech, part of the bank oh, so all of the bank harbors as well. That's another one we wanna get rid of at the moment. Some of the physical, yeah, some of the physical gold, some s and p 500, and some of the Raffy. The reason we are selling some of those other investments is because we also wanna do a bit of a rebalance. So at the moment, you're not quite in line with your risk profile. So selling a part of all of those plus all the bank hybrids and all the BAN along allows us to have the money reinvested for you. So we'll be purchasing into the beta shares Aussie 200, which is the one at the very bottom of the table, purchasing some more ClearBridge infrastructure income fund for you, putting some more money into the core composite bonds, and then also having some into the beta shares Australian high yield cash. And you will retain a fair bit of gold there as well. So we're just sort of rebalancing the portfolio, removing all of the ban along, putting that into the beta shares Aussie 200, and also removing all of the bank hybrids there just because the government is about to phase those out. They're putting all of that into the core composite bonds instead for you. Does that make sense? Yep. Absolutely. That's exactly right. If you look down at the next page there for me, the next one, so this shows you the asset allocation of where you are, so where you should be once we complete the rebalance and the switch. Yep. I mean so existing ones? Yeah. You've actually got 69.3% growth there at the moment, so we're gonna reduce that down to 60%. So we're reducing the risk level by reducing those growth investments there for you and then just bringing up the defensive investments to 40% from the 30.7. So you're invested back in line with where your comfort level is with your risk tolerance and making sure that we're keeping the portfolio growing in line with things for you. Okay? Perfect. Yeah. Honestly, yesterday, we saw a little bit of volatility, but it wasn't too much. It was sort of as the markets opened yesterday, we were sort of looking at everything. We did see a little bit of a dip in some assets. So by the end of the day, it was basically back to where it was at the beginning of the day. So we don't sort of expect too much of a dip. We do expect a fair bit of volatility depending on how things go moving forward. But, realistically, the biggest sort of expectation is gonna be around oil prices and possibly mining stocks this year. So depending on what happens moving forward. But yesterday, we didn't see too much of a dip. We were actually really surprised and really happy with how the market's reacted so far. So yeah. Yeah. We hope so. Greg, if you just sort of drop down to page number 22 there for me, the next page down does have your fee comparison. So, essentially, once we sort of move everything back into your accumulation account and we do complete the rebalance there for you, we do expect the CGT consequences for the rebalance. Essentially, when I went through, just by making that rebalance there and removing those investments that we wanna remove, we do expect those CGT consequences to be $711, which will be paid for from your fund. And given you'll see the three year rolling average with the updated changes actually shows you in a better position by making these changes as well. So the performance of the investments that you will have has shown greater performance over the past three years compared to where you are currently. So we can make that CGT back nice and quick there for you. And it also actually saves you in fees. So when I sorta had a look at things whilst you are drawing some of the money out by making these changes to the investments there, we expect you for the first year for you to save about $50 in administration fees and about a $174 in investment fees there as well. So it's providing a greater performance for you, but also a lower cost in fees, which is important for getting that money growing again. Okay? The underneath that, you do sort of see the projection table. So because we are taking some money out of you, we'll still have the growth of lower fees, and you are making contributions there. There is an ongoing effect to your retirement figure. So we do have the projection currently, but then the projection once that withdrawal's been completed and with the investment switch. And it does show it would be a negative of six thousand compared to where you are now. But considering you're taking $11,000 out, that's not too bad a difference. So yeah. Yeah. If you do wanna put more money in, give me a call. We'll have a chat about it, and I'll work out the best way for it to work for you. Okay? Yep. But the other thing to sorta consider is when you get to age 67, when you are closer to that point, I'll help you with the advice document. We'll look at how much you have in super then, how you can draw that down, and we'll also factor in Stantelink and and whatever else we can possibly get to make sure your super provides as much longevity as possible for you. Okay. Excellent. All good. Other than that, there's no ongoing no upfront fees for the advice at all. You're already an ongoing client for paying the 1.65%. That entitles you to ongoing advice. There's no additional fees for providing the advice here for you. So if you are comfortable, essentially, you'll just get you to sign up and return it back. As I mentioned, implementation will be pretty easy. We'll open up the pension account, complete the withdrawal for you, then close it off and roll everything back to accumulation, and then do the investment switch for you. Okay? If you go press start, and then it should take you down to page number 29. That's the one. Yeah. You should be able to click on it, and it should give you a signature, or you can use your finger to type however you prefer. Mhmm. Beautiful. I'm sure it's lovely. Yep. Perfect. So once you've done that, press next, and it should take you back. Oh, okay. That is just an ex just put NA. That's essentially just an extra box in case you decide you wanna change any of the advice or not take on any of the advice. You can just put NA, and it'll let it'll let you continue through. Yeah. Perfect. And then it should take you through, and it should tell you it's confirmed or finished. Yep. That's okay. That's okay. Thank you so much for that. Attached to the email, which you will have there as well, we do have the financial services guide, all the PDF documents related to the products that we make recommendations on. So if you did wanna have a view of those, feel free. If you have any questions, let me know. But I'll once that comes back and confirms to me, I'll get the let the team know, and we'll organize that withdrawal to be processed and the advice to be implemented for you. Okay. Yeah. Yeah. Definitely. I'll let the team know that it's quite time sensitive, and we need to get it completed as quickly as possible for you. So it takes about a week for the TTR account to be opened. Once that's opened, the withdrawal should only take a couple of days to be completed. Okay? Oh, that's okay. Not a problem at all. Oh, thank you. It honestly isn't that hard. I said my absolutely. No. Perfect. Well, thank you so much. If you have any questions or concerns, feel free to let me know. I'm always here and always happy to make time for you, Craig. Okay? My pleasure. You too. Thank you. See you later. 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Craig. It's Dana from Yankee Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in just to run through the updated advice document. Is now a good time there for you? Oh, fantastic. I had just have to double check. I'd we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Lovely. And just a bit of security there as well, I'm discussing your personal information. So we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file there for you.\n\nYep. Yep. Beautiful. Thank you. Yeah.\n\nPerfect. Thank you so much. Now do you happen to have access to emails at the moment? If you don't, that is okay. Yep.\n\nPerfect. I'm just gonna send through the advice document to you there. I've got your email address as manton_92@yahoo.com. Is that still correct? Yep.\n\nPerfect. Okay. This one's just heading directly to you there now. Perfect. Now, hopefully, the Internet locks us today, and it comes through fairly quickly for you.\n\nLove technology one that wants to work correctly. That's it. That's the one. Beautiful. Thank you so much.\n\nWhen you open the email there, it should take you directly to it. I think it does ask you if you wanna proceed through, and then it should show first document there, which would just say statement of advice prepared for yourself, Craig, Minh, as of the 03/03/2026. Yep. Okay. So that is if you click on the button that says sign the document, it'll let you go through to see the document, but you don't have to sign it straight away because I don't want you to sign anything you're not comfortable or have not read.\n\nOkay. Perfect. Beautiful. Yep. My license number is 1304394, and Oakview Financial have an Australian Financial Services license number 513068 there.\n\nOkay? Beautiful. As you are scrolling through the next couple of pages, it just lets you know that any advice we do provide is under the best interest, which is part of the corporations that's making sure that we're here to help you, achieve your goals. And if you go down to page number three, you've got the scoping of the advice there. So we have scoping superannuation.\n\nWe did wanna discuss looking at your investments. There are a couple that we needed to make some changes to to make sure you are working and on track towards being able to access super, hopefully, at age 67 there for you. And the main you're at the main goal for this advice is that you wanted to access 10% of the funds there. You've recently purchased a new vehicle and wanted to keep a buffer in your bank account there as a bit of a safety net. So we were looking to access the 10% under the transition to retirement strategy so you're able to access some of those funds from super.\n\nOkay? Then excellent. The next page has the retirement side of things. So we're not scoping this in as of yet. It's more just about making sure that you're aware there are long term effects of the advice that we do provide.\n\nSo because you do need that 10%, I wanted to make sure I'm being honest and open and providing you the long term effects that we have illustrated what the retirement looks like based on this recommendation, but we're here to help you moving forward as well. Okay? And we've just got out the retirement so the estate planning side of things. So you're comfortable with your your beneficiary on file. Your partner is known as your beneficiary, and that was where you were comfortable with.\n\nYou and I can review this moving forward as well. Okay? Perfect. Moving forward through as you do go through, you will see on page number eight that just the assets and liabilities we had noted there for you. We just have your two vehicles there.\n\nNo current debts to be worried about. And we've got your superannuation balance noted there. So as of the date we did the document, it was a 126,112, which is a bit up from where we were, which is fantastic. If you scroll down to page number 11 for me perfect. Strategy recommendations?\n\nThat's the one. Beautiful. Now this is just outlining here that so you can access that 10% there. We are commencing a transition retirement pension account for you with the with the balance of 101,090. Sorry.\n\nActually, no. I do apologize. I got that wrong. It's actually a 113,000 because we are actually also including the drawdown there. So the TTR will be open with about a 113,000 there, $1.42.\n\nEssentially, once that is open with a 113,000, then we will draw down the the amount for you. The 10% allows you to access $11,311, which is fantastic. And that is leaving the 10,000 behind plus the tax liability in your super account. So that'll be 13,000 left in accumulation. Once that drawdown has been made to you, and this is the first thing we'll do, so we'll open the pension account, move the money in over nice and quick for you.\n\nIt takes about a week to process, and then we'll complete that drawdown to your bank account so you get the funds. Absolutely. It'll yeah. It'll be a different one. So because we closed the one last year and rolled everything back into super, we open up a brand new account each time we open one.\n\nOkay. Perfect. Yeah. Oh, yeah. Yeah.\n\nThat's okay. That's not a problem at all. I'm just having a quick look as well because we did have when we did your withdrawal last year, we would have got the bank account details. So I will make sure that the team have those on file before we process it. But I'm pretty sure the account details are still gonna be on this application form.\n\nI'll just have a really quick look while I've got you. Nope. That's okay. That's really good. Sorry.\n\nMy computer's a tad bit slow. There we go. Alright. So Sorry. Two seconds.\n\nI've opened up one form. It doesn't have it there, but I've opened up the second one I have here, and it should be fine. There we go. Perfect. I've got the Suncorp account here, and it's ending in 78.\n\nYep. Perfect. Lovely. Excellent. Thank you so much.\n\nSo I'll get let the team know we do have those details on file, and we'll make sure we use the same information there for you. Okay? Perfect. Lovely. So once yeah.\n\nYeah. Absolute. That's okay. We wanna make sure we get this right for you and make it as easy as possible. That's okay.\n\nYep. Perfect. With the sorry. With Craig, just give me the last three digits of the account number. Don't read the whole one out.\n\nWe don't wanna record the the number. That's all. Sorry. This is yours. Oh, okay.\n\nI have a different number on here. That is okay. What I will do is after the call, I will when we get the yeah. What I'll do is I'm just gonna put the recording on hold for you. Are you okay if I grab those details now of you?\n\nYep. Yep. Perfect. So I'm just gonna put the recording on hold. You should hear a beep or hear someone come on saying that the recording has ended.\n\nMight be one second. Was there a beep, or was there someone that said the recording had ended? Okay. Perfect. Lovely.\n\nSo what's the number that you should have there, the account number? Yep. Okay. Perfect. Thank you so much for that.\n\nI will make sure the team have that on file, and I'll destroy that as soon as I can. Okay? Perfect. Lovely. Thank you so much for that.\n\nNow no. That's okay. That's not a problem at all. I've just sent the recording back on for you now there. Perfect.\n\nThank you very much for that. So just with the advice piece, you'll get that based on the current balance that we expect you to be able to receive the amount of the 11,000 sorry. My computer's there we go. 11311. So once that withdrawal has been completed, then we'll close off the pension account and roll the funds back to accumulation there for you.\n\nSo everything remains back in the one account invested correctly for you. Okay? Perfect. Now once that has been fully completed there, we will then in that do complete the investment switch for you. So to make it nice and easy, if you can scroll down for me to page number 20, this is gonna show you what we're doing.\n\nIt has the heading investments, and you'll see a nice lovely table there. Yep. That's the one. So, essentially, with this, it shows you everything you do have in your fund at the moment. Now the one fund that we discussed that was underperforming quite heavily was Bennelong Australian Equities, and our investment committee wanted to get rid of that in everyone's account now.\n\nSo we're taking and selling all of the Van Along. We'll be selling part of the battery and lithium tech, part of the bank oh, so all of the bank harbors as well. That's another one we wanna get rid of at the moment. Some of the physical, yeah, some of the physical gold, some s and p 500, and some of the Raffy. The reason we are selling some of those other investments is because we also wanna do a bit of a rebalance.\n\nSo at the moment, you're not quite in line with your risk profile. So selling a part of all of those plus all the bank hybrids and all the BAN along allows us to have the money reinvested for you. So we'll be purchasing into the beta shares Aussie 200, which is the one at the very bottom of the table, purchasing some more ClearBridge infrastructure income fund for you, putting some more money into the core composite bonds, and then also having some into the beta shares Australian high yield cash. And you will retain a fair bit of gold there as well. So we're just sort of rebalancing the portfolio, removing all of the ban along, putting that into the beta shares Aussie 200, and also removing all of the bank hybrids there just because the government is about to phase those out.\n\nThey're putting all of that into the core composite bonds instead for you. Does that make sense? Yep. Absolutely. That's exactly right.\n\nIf you look down at the next page there for me, the next one, so this shows you the asset allocation of where you are, so where you should be once we complete the rebalance and the switch. Yep. I mean so existing ones? Yeah. You've actually got 69.3% growth there at the moment, so we're gonna reduce that down to 60%.\n\nSo we're reducing the risk level by reducing those growth investments there for you and then just bringing up the defensive investments to 40% from the 30.7. So you're invested back in line with where your comfort level is with your risk tolerance and making sure that we're keeping the portfolio growing in line with things for you. Okay? Perfect. Yeah.\n\nHonestly, yesterday, we saw a little bit of volatility, but it wasn't too much. It was sort of as the markets opened yesterday, we were sort of looking at everything. We did see a little bit of a dip in some assets. So by the end of the day, it was basically back to where it was at the beginning of the day. So we don't sort of expect too much of a dip.\n\nWe do expect a fair bit of volatility depending on how things go moving forward. But, realistically, the biggest sort of expectation is gonna be around oil prices and possibly mining stocks this year. So depending on what happens moving forward. But yesterday, we didn't see too much of a dip. We were actually really surprised and really happy with how the market's reacted so far.\n\nSo yeah. Yeah. We hope so. Greg, if you just sort of drop down to page number 22 there for me, the next page down does have your fee comparison. So, essentially, once we sort of move everything back into your accumulation account and we do complete the rebalance there for you, we do expect the CGT consequences for the rebalance.\n\nEssentially, when I went through, just by making that rebalance there and removing those investments that we wanna remove, we do expect those CGT consequences to be $711, which will be paid for from your fund. And given you'll see the three year rolling average with the updated changes actually shows you in a better position by making these changes as well. So the performance of the investments that you will have has shown greater performance over the past three years compared to where you are currently. So we can make that CGT back nice and quick there for you. And it also actually saves you in fees.\n\nSo when I sorta had a look at things whilst you are drawing some of the money out by making these changes to the investments there, we expect you for the first year for you to save about $50 in administration fees and about a $174 in investment fees there as well. So it's providing a greater performance for you, but also a lower cost in fees, which is important for getting that money growing again. Okay? The underneath that, you do sort of see the projection table. So because we are taking some money out of you, we'll still have the growth of lower fees, and you are making contributions there.\n\nThere is an ongoing effect to your retirement figure. So we do have the projection currently, but then the projection once that withdrawal's been completed and with the investment switch. And it does show it would be a negative of six thousand compared to where you are now. But considering you're taking $11,000 out, that's not too bad a difference. So yeah.\n\nYeah. If you do wanna put more money in, give me a call. We'll have a chat about it, and I'll work out the best way for it to work for you. Okay? Yep.\n\nBut the other thing to sorta consider is when you get to age 67, when you are closer to that point, I'll help you with the advice document. We'll look at how much you have in super then, how you can draw that down, and we'll also factor in Stantelink and and whatever else we can possibly get to make sure your super provides as much longevity as possible for you. Okay. Excellent. All good.\n\nOther than that, there's no ongoing no upfront fees for the advice at all. You're already an ongoing client for paying the 1.65%. That entitles you to ongoing advice. There's no additional fees for providing the advice here for you. So if you are comfortable, essentially, you'll just get you to sign up and return it back.\n\nAs I mentioned, implementation will be pretty easy. We'll open up the pension account, complete the withdrawal for you, then close it off and roll everything back to accumulation, and then do the investment switch for you. Okay? If you go press start, and then it should take you down to page number 29. That's the one.\n\nYeah. You should be able to click on it, and it should give you a signature, or you can use your finger to type however you prefer. Mhmm. Beautiful. I'm sure it's lovely.\n\nYep. Perfect. So once you've done that, press next, and it should take you back. Oh, okay. That is just an ex just put NA.\n\nThat's essentially just an extra box in case you decide you wanna change any of the advice or not take on any of the advice. You can just put NA, and it'll let it'll let you continue through. Yeah. Perfect. And then it should take you through, and it should tell you it's confirmed or finished.\n\nYep. That's okay. That's okay. Thank you so much for that. Attached to the email, which you will have there as well, we do have the financial services guide, all the PDF documents related to the products that we make recommendations on.\n\nSo if you did wanna have a view of those, feel free. If you have any questions, let me know. But I'll once that comes back and confirms to me, I'll get the let the team know, and we'll organize that withdrawal to be processed and the advice to be implemented for you. Okay. Yeah.\n\nYeah. Definitely. I'll let the team know that it's quite time sensitive, and we need to get it completed as quickly as possible for you. So it takes about a week for the TTR account to be opened. Once that's opened, the withdrawal should only take a couple of days to be completed.\n\nOkay? Oh, that's okay. Not a problem at all. Oh, thank you. It honestly isn't that hard.\n\nI said my absolutely. No. Perfect. Well, thank you so much. If you have any questions or concerns, feel free to let me know.\n\nI'm always here and always happy to make time for you, Craig. Okay? My pleasure. You too. Thank you.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Craig.","start":5.12,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.12188838422298431},{"text":"It's Dana from Yankee Financial.","start":5.7599998,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.17329570055007934},{"text":"How are you this afternoon?","start":7.2799997,"end":8.5,"sentiment":"neutral","sentiment_score":0.22908239662647248},{"text":"I'm very well.","start":10.16,"end":11.04,"sentiment":"positive","sentiment_score":0.6217378377914429},{"text":"Thank you.","start":11.04,"end":11.36,"sentiment":"positive","sentiment_score":0.68033167719841}],"sentiment":"neutral","sentiment_score":0.32244377188822804,"num_words":17,"start":5.12,"end":11.36},{"sentences":[{"text":"I had you booked in just to run through the updated advice document.","start":11.36,"end":14.24,"sentiment":"positive","sentiment_score":0.3398364828183101},{"text":"Is now a good time there for you?","start":14.24,"end":19.105,"sentiment":"positive","sentiment_score":0.3516253549605608},{"text":"Oh, fantastic.","start":19.105,"end":20.085,"sentiment":"positive","sentiment_score":0.3618623614311218},{"text":"I had just have to double check.","start":20.945,"end":22.945,"sentiment":"neutral","sentiment_score":0.20379342777388437},{"text":"I'd we do record our calls for quality and training purposes.","start":22.945,"end":25.505,"sentiment":"neutral","sentiment_score":0.12093218077312816}],"sentiment":"neutral","sentiment_score":0.26125389810015515,"num_words":41,"start":11.36,"end":25.505},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":25.505,"end":27.445,"sentiment":"neutral","sentiment_score":0.20354206446144316},{"text":"Lovely.","start":28.8,"end":29.3,"sentiment":"positive","sentiment_score":0.6377943754196167},{"text":"And just a bit of security there as well, I'm discussing your personal information.","start":29.36,"end":32.88,"sentiment":"neutral","sentiment_score":0.1987798469407218},{"text":"So we are very security conscious.","start":32.88,"end":34.4,"sentiment":"neutral","sentiment_score":0.09717684984207153},{"text":"I'll just get you to confirm your full name, date of birth, and address I should have on file there for you.","start":34.4,"end":38.739998,"sentiment":"neutral","sentiment_score":0.10552406683564186}],"sentiment":"neutral","sentiment_score":0.15686887273421654,"num_words":52,"start":25.505,"end":38.739998},{"sentences":[{"text":"Yep.","start":40.32,"end":40.725,"sentiment":"neutral","sentiment_score":0.029160555452108383},{"text":"Yep.","start":46.004997,"end":46.324997,"sentiment":"neutral","sentiment_score":0.08883707225322723},{"text":"Beautiful.","start":46.324997,"end":46.824997,"sentiment":"neutral","sentiment_score":0.33124345541000366},{"text":"Thank you.","start":46.885,"end":47.605,"sentiment":"neutral","sentiment_score":0.13167677074670792},{"text":"Yeah.","start":47.605,"end":48.085,"sentiment":"neutral","sentiment_score":0.07098139077425003}],"sentiment":"neutral","sentiment_score":0.1305960025638342,"num_words":6,"start":40.32,"end":48.085},{"sentences":[{"text":"Perfect.","start":48.085,"end":48.565,"sentiment":"neutral","sentiment_score":0.32655367255210876},{"text":"Thank you so much.","start":48.565,"end":49.364998,"sentiment":"positive","sentiment_score":0.4525536745786667},{"text":"Now do you happen to have access to emails at the moment?","start":49.364998,"end":52.004997,"sentiment":"neutral","sentiment_score":0.026907379894206922},{"text":"If you don't, that is okay.","start":52.004997,"end":53.284996,"sentiment":"neutral","sentiment_score":-0.004642292701949676},{"text":"Yep.","start":53.284996,"end":53.784996,"sentiment":"neutral","sentiment_score":0.02410118654370308}],"sentiment":"neutral","sentiment_score":0.10232934833038598,"num_words":24,"start":48.085,"end":53.784996},{"sentences":[{"text":"Perfect.","start":54.68,"end":55.16,"sentiment":"neutral","sentiment_score":0.16194047033786774},{"text":"I'm just gonna send through the advice document to you there.","start":55.16,"end":57.72,"sentiment":"neutral","sentiment_score":0.12068489600311626},{"text":"I've got your email address as manton_92@yahoo.com.","start":57.72,"end":62.28,"sentiment":"neutral","sentiment_score":0.05250046029686928},{"text":"Is that still correct?","start":62.28,"end":63.42,"sentiment":"neutral","sentiment_score":0.03833815082907677},{"text":"Yep.","start":64.84,"end":65.24,"sentiment":"neutral","sentiment_score":0.10419394075870514}],"sentiment":"neutral","sentiment_score":0.08810517052188516,"num_words":24,"start":54.68,"end":65.24},{"sentences":[{"text":"Perfect.","start":65.24,"end":65.74,"sentiment":"neutral","sentiment_score":0.1913146674633026},{"text":"Okay.","start":65.96,"end":66.36,"sentiment":"neutral","sentiment_score":0.13071109354496002},{"text":"This one's just heading directly to you there now.","start":66.36,"end":69.18,"sentiment":"neutral","sentiment_score":0.15684518052472007},{"text":"Perfect.","start":71.555,"end":72.055,"sentiment":"positive","sentiment_score":0.374220997095108},{"text":"Now, hopefully, the Internet locks us today, and it comes through fairly quickly for you.","start":72.195,"end":76.375,"sentiment":"neutral","sentiment_score":0.30652663111686707}],"sentiment":"neutral","sentiment_score":0.2483612166510688,"num_words":27,"start":65.24,"end":76.375},{"sentences":[{"text":"Love technology one that wants to work correctly.","start":81.635,"end":83.975,"sentiment":"neutral","sentiment_score":0.15723886527121067},{"text":"That's it.","start":86.97,"end":87.79,"sentiment":"neutral","sentiment_score":-0.04664037004113197},{"text":"That's the one.","start":91.13,"end":92.11,"sentiment":"neutral","sentiment_score":0.027261245374878246},{"text":"Beautiful.","start":92.729996,"end":93.229996,"sentiment":"positive","sentiment_score":0.3683973252773285},{"text":"Thank you so much.","start":93.53,"end":94.67,"sentiment":"positive","sentiment_score":0.4016038775444031}],"sentiment":"neutral","sentiment_score":0.17895704187038872,"num_words":18,"start":81.635,"end":94.67},{"sentences":[{"text":"When you open the email there, it should take you directly to it.","start":94.89,"end":97.77,"sentiment":"neutral","sentiment_score":0.13838801217766908},{"text":"I think it does ask you if you wanna proceed through, and then it should show first document there, which would just say statement of advice prepared for yourself, Craig, Minh, as of the 03/03/2026.","start":97.77,"end":108.575,"sentiment":"neutral","sentiment_score":0.03703720250299999},{"text":"Yep.","start":111.835,"end":112.335,"sentiment":"neutral","sentiment_score":-0.020772306248545647},{"text":"Okay.","start":112.715,"end":113.215,"sentiment":"neutral","sentiment_score":0.0028757136315107346},{"text":"So that is if you click on the button that says sign the document, it'll let you go through to see the document, but you don't have to sign it straight away because I don't want you to sign anything you're not comfortable or have not read.","start":116.41,"end":128.25,"sentiment":"neutral","sentiment_score":-0.08324959965303858}],"sentiment":"neutral","sentiment_score":-0.008611149797888146,"num_words":97,"start":94.89,"end":128.25},{"sentences":[{"text":"Okay.","start":128.25,"end":128.75,"sentiment":"neutral","sentiment_score":0.029106764122843742},{"text":"Perfect.","start":130.125,"end":130.625,"sentiment":"positive","sentiment_score":0.43210431933403015},{"text":"Beautiful.","start":131.565,"end":132.065,"sentiment":"positive","sentiment_score":0.46538007259368896},{"text":"Yep.","start":135.085,"end":135.565,"sentiment":"neutral","sentiment_score":0.07271070778369904},{"text":"My license number is 1304394, and Oakview Financial have an Australian Financial Services license number 513068 there.","start":135.565,"end":144.26999,"sentiment":"neutral","sentiment_score":0.07312106669825666}],"sentiment":"neutral","sentiment_score":0.10677904750974405,"num_words":21,"start":128.25,"end":144.26999},{"sentences":[{"text":"Okay?","start":144.26999,"end":144.76999,"sentiment":"neutral","sentiment_score":0.05798919498920441},{"text":"Beautiful.","start":145.87,"end":146.37,"sentiment":"positive","sentiment_score":0.6570577621459961},{"text":"As you are scrolling through the next couple of pages, it just lets you know that any advice we do provide is under the best interest, which is part of the corporations that's making sure that we're here to help you, achieve your goals.","start":146.75,"end":156.84999,"sentiment":"neutral","sentiment_score":0.32976499978791585},{"text":"And if you go down to page number three, you've got the scoping of the advice there.","start":157.415,"end":161.33499,"sentiment":"neutral","sentiment_score":0.045038430348915214},{"text":"So we have scoping superannuation.","start":161.33499,"end":162.955,"sentiment":"neutral","sentiment_score":0.047401809692382814}],"sentiment":"neutral","sentiment_score":0.23863778400289662,"num_words":68,"start":144.26999,"end":162.955},{"sentences":[{"text":"We did wanna discuss looking at your investments.","start":163.495,"end":165.97499,"sentiment":"neutral","sentiment_score":0.06125164311379194},{"text":"There are a couple that we needed to make some changes to to make sure you are working and on track towards being able to access super, hopefully, at age 67 there for you.","start":165.97499,"end":174.46,"sentiment":"neutral","sentiment_score":0.0846577011706198},{"text":"And the main you're at the main goal for this advice is that you wanted to access 10% of the funds there.","start":175.16,"end":180.76001,"sentiment":"neutral","sentiment_score":0.04560121047225865},{"text":"You've recently purchased a new vehicle and wanted to keep a buffer in your bank account there as a bit of a safety net.","start":180.76001,"end":187.08499,"sentiment":"neutral","sentiment_score":0.08873112717022498},{"text":"So we were looking to access the 10% under the transition to retirement strategy so you're able to access some of those funds from super.","start":187.08499,"end":194.625,"sentiment":"neutral","sentiment_score":0.1405954933166504}],"sentiment":"neutral","sentiment_score":0.08863748672657308,"num_words":113,"start":163.495,"end":194.625},{"sentences":[{"text":"Okay?","start":194.765,"end":195.265,"sentiment":"neutral","sentiment_score":0.0693192258477211},{"text":"Then excellent.","start":195.9,"end":198.56,"sentiment":"positive","sentiment_score":0.4041248671710491},{"text":"The next page has the retirement side of things.","start":198.7,"end":201.09999,"sentiment":"neutral","sentiment_score":0.23041614558961657},{"text":"So we're not scoping this in as of yet.","start":201.09999,"end":203.34,"sentiment":"neutral","sentiment_score":0.07348912705977757},{"text":"It's more just about making sure that you're aware there are long term effects of the advice that we do provide.","start":203.34,"end":209.09999,"sentiment":"neutral","sentiment_score":0.07825539314321109}],"sentiment":"neutral","sentiment_score":0.12514475404861428,"num_words":42,"start":194.765,"end":209.09999},{"sentences":[{"text":"So because you do need that 10%, I wanted to make sure I'm being honest and open and providing you the long term effects that we have illustrated what the retirement looks like based on this recommendation, but we're here to help you moving forward as well.","start":209.09999,"end":221.115,"sentiment":"neutral","sentiment_score":0.26366859706158335},{"text":"Okay?","start":221.115,"end":221.615,"sentiment":"neutral","sentiment_score":0.10526619851589204},{"text":"And we've just got out the retirement so the estate planning side of things.","start":222.6,"end":226.44,"sentiment":"neutral","sentiment_score":0.13981788658670016},{"text":"So you're comfortable with your your beneficiary on file.","start":226.44,"end":230.12,"sentiment":"neutral","sentiment_score":0.15126731991767883},{"text":"Your partner is known as your beneficiary, and that was where you were comfortable with.","start":230.12,"end":233.64,"sentiment":"neutral","sentiment_score":0.13839016656080882}],"sentiment":"neutral","sentiment_score":0.20805115174762037,"num_words":86,"start":209.09999,"end":233.64},{"sentences":[{"text":"You and I can review this moving forward as well.","start":233.64,"end":236.12,"sentiment":"neutral","sentiment_score":0.17936353236436844},{"text":"Okay?","start":236.12,"end":236.62,"sentiment":"neutral","sentiment_score":0.06088002398610115},{"text":"Perfect.","start":238.81499,"end":239.31499,"sentiment":"positive","sentiment_score":0.5536199808120728},{"text":"Moving forward through as you do go through, you will see on page number eight that just the assets and liabilities we had noted there for you.","start":240.095,"end":246.495,"sentiment":"neutral","sentiment_score":0.2113014605862123},{"text":"We just have your two vehicles there.","start":246.495,"end":248.33499,"sentiment":"neutral","sentiment_score":0.11602990329265594}],"sentiment":"neutral","sentiment_score":0.19403226276778657,"num_words":46,"start":233.64,"end":248.33499},{"sentences":[{"text":"No current debts to be worried about.","start":248.33499,"end":250.435,"sentiment":"neutral","sentiment_score":0.014511331915855408},{"text":"And we've got your superannuation balance noted there.","start":250.8,"end":253.44,"sentiment":"neutral","sentiment_score":0.2032530466094613},{"text":"So as of the date we did the document, it was a 126,112, which is a bit up from where we were, which is fantastic.","start":253.44,"end":259.94,"sentiment":"neutral","sentiment_score":0.26368416905403136},{"text":"If you scroll down to page number 11 for me perfect.","start":262.16,"end":268.265,"sentiment":"neutral","sentiment_score":0.05566299435767261},{"text":"Strategy recommendations?","start":272.645,"end":273.625,"sentiment":"neutral","sentiment_score":0.0318462997674942}],"sentiment":"neutral","sentiment_score":0.1697300652850349,"num_words":53,"start":248.33499,"end":273.625},{"sentences":[{"text":"That's the one.","start":274.005,"end":275.065,"sentiment":"neutral","sentiment_score":0.11696905394395192},{"text":"Beautiful.","start":275.125,"end":275.625,"sentiment":"positive","sentiment_score":0.4239771962165833},{"text":"Now this is just outlining here that so you can access that 10% there.","start":276.085,"end":279.685,"sentiment":"neutral","sentiment_score":0.15352277564150946},{"text":"We are commencing a transition retirement pension account for you with the with the balance of 101,090.","start":279.685,"end":286.54,"sentiment":"neutral","sentiment_score":0.0916490057373748},{"text":"Sorry.","start":287.08002,"end":287.4,"sentiment":"neutral","sentiment_score":-0.014284130185842514}],"sentiment":"neutral","sentiment_score":0.12410978289941947,"num_words":36,"start":274.005,"end":287.4},{"sentences":[{"text":"Actually, no.","start":287.4,"end":287.88,"sentiment":"neutral","sentiment_score":-0.0508483462035656},{"text":"I do apologize.","start":287.88,"end":288.68,"sentiment":"neutral","sentiment_score":-0.11358017971118291},{"text":"I got that wrong.","start":288.68,"end":289.48,"sentiment":"neutral","sentiment_score":-0.11516459845006466},{"text":"It's actually a 113,000 because we are actually also including the drawdown there.","start":289.48,"end":295.495,"sentiment":"neutral","sentiment_score":0.01449182085119761},{"text":"So the TTR will be open with about a 113,000 there, $1.42.","start":295.495,"end":300.795,"sentiment":"neutral","sentiment_score":0.058097265350321926}],"sentiment":"neutral","sentiment_score":-0.0005157285315148972,"num_words":34,"start":287.4,"end":300.795},{"sentences":[{"text":"Essentially, once that is open with a 113,000, then we will draw down the the amount for you.","start":301.01498,"end":306.55002,"sentiment":"neutral","sentiment_score":0.05685561667713854},{"text":"The 10% allows you to access $11,311, which is fantastic.","start":306.55002,"end":311.29,"sentiment":"positive","sentiment_score":0.7748375117778779},{"text":"And that is leaving the 10,000 behind plus the tax liability in your super account.","start":312.07,"end":316.79,"sentiment":"positive","sentiment_score":0.37915347317854564},{"text":"So that'll be 13,000 left in accumulation.","start":316.79,"end":319.21002,"sentiment":"neutral","sentiment_score":0.23050452981676375},{"text":"Once that drawdown has been made to you, and this is the first thing we'll do, so we'll open the pension account, move the money in over nice and quick for you.","start":320.20502,"end":327.48502,"sentiment":"positive","sentiment_score":0.38115421449765563}],"sentiment":"positive","sentiment_score":0.3447505474181437,"num_words":82,"start":301.01498,"end":327.48502},{"sentences":[{"text":"It takes about a week to process, and then we'll complete that drawdown to your bank account so you get the funds.","start":327.48502,"end":333.185,"sentiment":"neutral","sentiment_score":0.16644105857068842},{"text":"Absolutely.","start":343.43997,"end":343.93997,"sentiment":"neutral","sentiment_score":0.02141941897571087},{"text":"It'll yeah.","start":344.31998,"end":345.28,"sentiment":"neutral","sentiment_score":-0.00134903658181429},{"text":"It'll be a different one.","start":345.28,"end":346.47998,"sentiment":"neutral","sentiment_score":-0.0124925022944808},{"text":"So because we closed the one last year and rolled everything back into super, we open up a brand new account each time we open one.","start":346.47998,"end":353.04498,"sentiment":"neutral","sentiment_score":0.04272264944246182}],"sentiment":"neutral","sentiment_score":0.08444198229283627,"num_words":56,"start":327.48502,"end":353.04498},{"sentences":[{"text":"Okay.","start":353.04498,"end":353.54498,"sentiment":"neutral","sentiment_score":0.02549966797232628},{"text":"Perfect.","start":353.60498,"end":354.10498,"sentiment":"neutral","sentiment_score":0.19714480638504028},{"text":"Yeah.","start":356.245,"end":356.745,"sentiment":"neutral","sentiment_score":0.01753336563706398},{"text":"Oh, yeah.","start":360.26,"end":361.88,"sentiment":"neutral","sentiment_score":0.03728981129825115},{"text":"Yeah.","start":364.02,"end":364.5,"sentiment":"neutral","sentiment_score":0.10763831436634064}],"sentiment":"neutral","sentiment_score":0.07039929615954559,"num_words":6,"start":353.04498,"end":364.5},{"sentences":[{"text":"That's okay.","start":364.5,"end":365.3,"sentiment":"neutral","sentiment_score":0.16553542762994766},{"text":"That's not a problem at all.","start":365.3,"end":366.92,"sentiment":"neutral","sentiment_score":0.15610762933890024},{"text":"I'm just having a quick look as well because we did have when we did your withdrawal last year, we would have got the bank account details.","start":366.98,"end":372.98,"sentiment":"neutral","sentiment_score":0.10250528639665356},{"text":"So I will make sure that the team have those on file before we process it.","start":372.98,"end":377.125,"sentiment":"neutral","sentiment_score":0.06837976793758571},{"text":"But I'm pretty sure the account details are still gonna be on this application form.","start":377.345,"end":381.665,"sentiment":"neutral","sentiment_score":0.011777275800704956}],"sentiment":"neutral","sentiment_score":0.08039537557598317,"num_words":66,"start":364.5,"end":381.665},{"sentences":[{"text":"I'll just have a really quick look while I've got you.","start":381.665,"end":384.325,"sentiment":"neutral","sentiment_score":0.02823907153850252},{"text":"Nope.","start":385.905,"end":386.305,"sentiment":"neutral","sentiment_score":-0.015939762815833092},{"text":"That's okay.","start":386.305,"end":387.205,"sentiment":"neutral","sentiment_score":0.12286264449357986},{"text":"That's really good.","start":387.26498,"end":388.725,"sentiment":"positive","sentiment_score":0.4854533572991689},{"text":"Sorry.","start":389.75,"end":389.99002,"sentiment":"neutral","sentiment_score":-0.2111850380897522}],"sentiment":"neutral","sentiment_score":0.0991994637168116,"num_words":18,"start":381.665,"end":389.99002},{"sentences":[{"text":"My computer's a tad bit slow.","start":389.99002,"end":391.93002,"sentiment":"negative","sentiment_score":-0.3846121331055959},{"text":"There we go.","start":393.03,"end":393.83002,"sentiment":"neutral","sentiment_score":-0.17672433455785116},{"text":"Alright.","start":393.83002,"end":394.33002,"sentiment":"neutral","sentiment_score":-0.04854120314121246},{"text":"So Sorry.","start":394.47,"end":415.46002,"sentiment":"neutral","sentiment_score":-0.02246248722076416},{"text":"Two seconds.","start":415.46002,"end":416.1,"sentiment":"neutral","sentiment_score":-0.06327024102210999}],"sentiment":"neutral","sentiment_score":-0.2184180329952921,"num_words":14,"start":389.99002,"end":416.1},{"sentences":[{"text":"I've opened up one form.","start":416.1,"end":417.54,"sentiment":"neutral","sentiment_score":-0.06497601047158241},{"text":"It doesn't have it there, but I've opened up the second one I have here, and it should be fine.","start":417.54,"end":425.48,"sentiment":"neutral","sentiment_score":-0.02573969466611743},{"text":"There we go.","start":428.405,"end":429.305,"sentiment":"neutral","sentiment_score":0.08801728238662083},{"text":"Perfect.","start":435.44498,"end":435.845,"sentiment":"positive","sentiment_score":0.497878223657608},{"text":"I've got the Suncorp account here, and it's ending in 78.","start":435.845,"end":440.185,"sentiment":"neutral","sentiment_score":0.13653427836569873}],"sentiment":"neutral","sentiment_score":0.035603329678997396,"num_words":40,"start":416.1,"end":440.185},{"sentences":[{"text":"Yep.","start":441.86,"end":442.34,"sentiment":"neutral","sentiment_score":0.18127581477165225},{"text":"Perfect.","start":442.34,"end":442.84,"sentiment":"positive","sentiment_score":0.5880509614944458},{"text":"Lovely.","start":442.97998,"end":443.47998,"sentiment":"positive","sentiment_score":0.7166420221328735},{"text":"Excellent.","start":444.58,"end":445.06,"sentiment":"positive","sentiment_score":0.7865277528762817},{"text":"Thank you so much.","start":445.06,"end":445.86,"sentiment":"positive","sentiment_score":0.8026527762413025}],"sentiment":"positive","sentiment_score":0.6853884570300579,"num_words":8,"start":441.86,"end":445.86},{"sentences":[{"text":"So I'll get let the team know we do have those details on file, and we'll make sure we use the same information there for you.","start":445.86,"end":451.13998,"sentiment":"positive","sentiment_score":0.34127357258246493},{"text":"Okay?","start":451.13998,"end":451.63998,"sentiment":"neutral","sentiment_score":0.14252926409244537},{"text":"Perfect.","start":452.97998,"end":453.47998,"sentiment":"positive","sentiment_score":0.3412064015865326},{"text":"Lovely.","start":453.62,"end":454.12,"sentiment":"neutral","sentiment_score":0.3061399459838867},{"text":"So once yeah.","start":454.9,"end":456.43997,"sentiment":"neutral","sentiment_score":0.03050387091934681}],"sentiment":"neutral","sentiment_score":0.30482812848640606,"num_words":32,"start":445.86,"end":456.43997},{"sentences":[{"text":"Yeah.","start":457.995,"end":458.475,"sentiment":"neutral","sentiment_score":0.1637667864561081},{"text":"Absolute.","start":458.475,"end":458.975,"sentiment":"neutral","sentiment_score":0.27331429719924927},{"text":"That's okay.","start":459.35498,"end":460.255,"sentiment":"neutral","sentiment_score":0.2540157437324524},{"text":"We wanna make sure we get this right for you and make it as easy as possible.","start":462.315,"end":465.85498,"sentiment":"neutral","sentiment_score":0.13971511121181882},{"text":"That's okay.","start":470.01,"end":470.83002,"sentiment":"neutral","sentiment_score":0.06897298246622086}],"sentiment":"neutral","sentiment_score":0.15035719246320103,"num_words":23,"start":457.995,"end":470.83002},{"sentences":[{"text":"Yep.","start":484.725,"end":485.205,"sentiment":"neutral","sentiment_score":0.06226065754890442},{"text":"Perfect.","start":485.205,"end":485.705,"sentiment":"neutral","sentiment_score":0.09850644320249556},{"text":"With the sorry.","start":486.085,"end":488.245,"sentiment":"neutral","sentiment_score":-0.026858339707056682},{"text":"With Craig, just give me the last three digits of the account number.","start":488.245,"end":491.685,"sentiment":"neutral","sentiment_score":-0.03460995466090166},{"text":"Don't read the whole one out.","start":491.685,"end":492.565,"sentiment":"neutral","sentiment_score":-0.1219920925796032}],"sentiment":"neutral","sentiment_score":-0.04590374518496295,"num_words":24,"start":484.725,"end":492.565},{"sentences":[{"text":"We don't wanna record the the number.","start":492.565,"end":494.72498,"sentiment":"neutral","sentiment_score":-0.0653642224414008},{"text":"That's all.","start":494.72498,"end":495.205,"sentiment":"neutral","sentiment_score":-0.03223376162350178},{"text":"Sorry.","start":495.205,"end":495.705,"sentiment":"neutral","sentiment_score":-0.03475550189614296},{"text":"This is yours.","start":496.245,"end":497.145,"sentiment":"neutral","sentiment_score":-0.015277156295875708},{"text":"Oh, okay.","start":498.16,"end":498.72,"sentiment":"neutral","sentiment_score":-0.010043328162282705}],"sentiment":"neutral","sentiment_score":-0.04151271382967631,"num_words":15,"start":492.565,"end":498.72},{"sentences":[{"text":"I have a different number on here.","start":498.72,"end":501.62,"sentiment":"neutral","sentiment_score":-0.03045375112976347},{"text":"That is okay.","start":501.76,"end":502.56,"sentiment":"neutral","sentiment_score":0.02199632426102956},{"text":"What I will do is after the call, I will when we get the yeah.","start":502.56,"end":509.295,"sentiment":"neutral","sentiment_score":0.017001050586501757},{"text":"What I'll do is I'm just gonna put the recording on hold for you.","start":509.375,"end":513.455,"sentiment":"neutral","sentiment_score":0.024608830389167582},{"text":"Are you okay if I grab those details now of you?","start":513.455,"end":516.495,"sentiment":"neutral","sentiment_score":0.025584605437788097}],"sentiment":"neutral","sentiment_score":0.01467565517872572,"num_words":50,"start":498.72,"end":516.495},{"sentences":[{"text":"Yep.","start":516.495,"end":516.995,"sentiment":"neutral","sentiment_score":0.032557230442762375},{"text":"Yep.","start":518.655,"end":518.97504,"sentiment":"neutral","sentiment_score":0.06630587577819824},{"text":"Perfect.","start":518.97504,"end":519.375,"sentiment":"neutral","sentiment_score":0.15936270356178284},{"text":"So I'm just gonna put the recording on hold.","start":519.375,"end":521.29504,"sentiment":"neutral","sentiment_score":0.03639904326862759},{"text":"You should hear a beep or hear someone come on saying that the recording has ended.","start":521.29504,"end":524.99,"sentiment":"neutral","sentiment_score":-0.017102570447605103}],"sentiment":"neutral","sentiment_score":0.011149145429953933,"num_words":28,"start":516.495,"end":524.99},{"sentences":[{"text":"Might be one second.","start":524.99,"end":526.05,"sentiment":"neutral","sentiment_score":-0.027884577866643667},{"text":"Was there a beep, or was there someone that said the recording had ended?","start":531.47,"end":534.85,"sentiment":"neutral","sentiment_score":-0.0371270656053509},{"text":"Okay.","start":537.725,"end":538.225,"sentiment":"neutral","sentiment_score":0.1479455977678299},{"text":"Perfect.","start":538.52496,"end":539.02496,"sentiment":"positive","sentiment_score":0.5152688026428223},{"text":"Lovely.","start":539.485,"end":539.985,"sentiment":"positive","sentiment_score":0.4633769392967224}],"sentiment":"neutral","sentiment_score":0.023584481417423205,"num_words":21,"start":524.99,"end":539.985},{"sentences":[{"text":"So what's the number that you should have there, the account number?","start":540.125,"end":543.825,"sentiment":"neutral","sentiment_score":0.07415216571340959},{"text":"Yep.","start":546.685,"end":547.185,"sentiment":"neutral","sentiment_score":0.014625295996665956},{"text":"Okay.","start":550.14,"end":550.62,"sentiment":"neutral","sentiment_score":0.12098881602287292},{"text":"Perfect.","start":550.62,"end":551.1,"sentiment":"positive","sentiment_score":0.38840094208717346},{"text":"Thank you so much for that.","start":551.1,"end":552.54,"sentiment":"positive","sentiment_score":0.5938449800014496}],"sentiment":"neutral","sentiment_score":0.23699575822268212,"num_words":21,"start":540.125,"end":552.54},{"sentences":[{"text":"I will make sure the team have that on file, and I'll destroy that as soon as I can.","start":552.54,"end":556.46,"sentiment":"neutral","sentiment_score":-0.06677496139156192},{"text":"Okay?","start":556.46,"end":556.96,"sentiment":"neutral","sentiment_score":0.03180043399333954},{"text":"Perfect.","start":558.38,"end":558.88,"sentiment":"positive","sentiment_score":0.5265471935272217},{"text":"Lovely.","start":559.18,"end":559.5,"sentiment":"positive","sentiment_score":0.5260882377624512},{"text":"Thank you so much for that.","start":559.5,"end":560.96,"sentiment":"positive","sentiment_score":0.598823736111323}],"sentiment":"neutral","sentiment_score":0.12173764341111694,"num_words":28,"start":552.54,"end":560.96},{"sentences":[{"text":"Now no.","start":561.18,"end":565.305,"sentiment":"neutral","sentiment_score":0.08900529891252518},{"text":"That's okay.","start":566.085,"end":566.805,"sentiment":"neutral","sentiment_score":0.12390570342540741},{"text":"That's not a problem at all.","start":566.805,"end":567.765,"sentiment":"neutral","sentiment_score":0.13267856712142626},{"text":"I've just sent the recording back on for you now there.","start":567.765,"end":570.165,"sentiment":"neutral","sentiment_score":0.10963168130679564},{"text":"Perfect.","start":570.165,"end":570.485,"sentiment":"positive","sentiment_score":0.43210524320602417}],"sentiment":"neutral","sentiment_score":0.12999759749932724,"num_words":22,"start":561.18,"end":570.485},{"sentences":[{"text":"Thank you very much for that.","start":570.485,"end":572.105,"sentiment":"positive","sentiment_score":0.5380730132261912},{"text":"So just with the advice piece, you'll get that based on the current balance that we expect you to be able to receive the amount of the 11,000 sorry.","start":572.96497,"end":581.06,"sentiment":"neutral","sentiment_score":0.18597359171715275},{"text":"My computer's there we go.","start":581.06,"end":582.51996,"sentiment":"neutral","sentiment_score":0.041685135662555696},{"text":"11311.","start":582.66,"end":584.26,"sentiment":"neutral","sentiment_score":0.026991840451955795},{"text":"So once that withdrawal has been completed, then we'll close off the pension account and roll the funds back to accumulation there for you.","start":584.26,"end":590.01996,"sentiment":"neutral","sentiment_score":0.10851964013030131}],"sentiment":"neutral","sentiment_score":0.1763317095545622,"num_words":65,"start":570.485,"end":590.01996},{"sentences":[{"text":"So everything remains back in the one account invested correctly for you.","start":590.01996,"end":593.575,"sentiment":"neutral","sentiment_score":0.1183555939545234},{"text":"Okay?","start":593.575,"end":594.075,"sentiment":"neutral","sentiment_score":0.07292650640010834},{"text":"Perfect.","start":595.495,"end":595.995,"sentiment":"neutral","sentiment_score":-0.02687430754303932},{"text":"Now once that has been fully completed there, we will then in that do complete the investment switch for you.","start":596.53503,"end":602.315,"sentiment":"neutral","sentiment_score":0.07838413752615452},{"text":"So to make it nice and easy, if you can scroll down for me to page number 20, this is gonna show you what we're doing.","start":603.015,"end":609.24005,"sentiment":"neutral","sentiment_score":0.1507325960466495}],"sentiment":"neutral","sentiment_score":0.11588415956745544,"num_words":60,"start":590.01996,"end":609.24005},{"sentences":[{"text":"It has the heading investments, and you'll see a nice lovely table there.","start":611.94,"end":615.96,"sentiment":"neutral","sentiment_score":0.18103505957585114},{"text":"Yep.","start":618.98004,"end":619.48004,"sentiment":"neutral","sentiment_score":0.03533630073070526},{"text":"That's the one.","start":620.305,"end":621.105,"sentiment":"neutral","sentiment_score":0.026720051964124043},{"text":"So, essentially, with this, it shows you everything you do have in your fund at the moment.","start":621.105,"end":624.865,"sentiment":"neutral","sentiment_score":0.05251541383126203},{"text":"Now the one fund that we discussed that was underperforming quite heavily was Bennelong Australian Equities, and our investment committee wanted to get rid of that in everyone's account now.","start":624.865,"end":633.505,"sentiment":"neutral","sentiment_score":-0.08427663973222176}],"sentiment":"neutral","sentiment_score":0.013022110535530373,"num_words":64,"start":611.94,"end":633.505},{"sentences":[{"text":"So we're taking and selling all of the Van Along.","start":633.505,"end":636.81,"sentiment":"neutral","sentiment_score":0.013888468593358993},{"text":"We'll be selling part of the battery and lithium tech, part of the bank oh, so all of the bank harbors as well.","start":636.81,"end":642.17,"sentiment":"neutral","sentiment_score":0.012103624277464722},{"text":"That's another one we wanna get rid of at the moment.","start":642.17,"end":644.51,"sentiment":"neutral","sentiment_score":-0.06728443672711198},{"text":"Some of the physical, yeah, some of the physical gold, some s and p 500, and some of the Raffy.","start":645.37,"end":651.695,"sentiment":"neutral","sentiment_score":0.0057308619609102605},{"text":"The reason we are selling some of those other investments is because we also wanna do a bit of a rebalance.","start":651.83496,"end":656.235,"sentiment":"neutral","sentiment_score":0.012029716889152215}],"sentiment":"neutral","sentiment_score":0.0005221239318523336,"num_words":85,"start":633.505,"end":656.235},{"sentences":[{"text":"So at the moment, you're not quite in line with your risk profile.","start":656.235,"end":659.295,"sentiment":"neutral","sentiment_score":-0.08672783437829751},{"text":"So selling a part of all of those plus all the bank hybrids and all the BAN along allows us to have the money reinvested for you.","start":659.355,"end":666.75,"sentiment":"neutral","sentiment_score":0.07013996980256504},{"text":"So we'll be purchasing into the beta shares Aussie 200, which is the one at the very bottom of the table, purchasing some more ClearBridge infrastructure income fund for you, putting some more money into the core composite bonds, and then also having some into the beta shares Australian high yield cash.","start":667.13,"end":685.105,"sentiment":"neutral","sentiment_score":0.08711366842572506},{"text":"And you will retain a fair bit of gold there as well.","start":685.105,"end":687.665,"sentiment":"neutral","sentiment_score":0.06311365527411301},{"text":"So we're just sort of rebalancing the portfolio, removing all of the ban along, putting that into the beta shares Aussie 200, and also removing all of the bank hybrids there just because the government is about to phase those out.","start":687.665,"end":699.62,"sentiment":"neutral","sentiment_score":0.017109283268815133}],"sentiment":"neutral","sentiment_score":0.0465867074013784,"num_words":145,"start":656.235,"end":699.62},{"sentences":[{"text":"They're putting all of that into the core composite bonds instead for you.","start":699.62,"end":703.14,"sentiment":"neutral","sentiment_score":0.0471040798494449},{"text":"Does that make sense?","start":703.14,"end":704.235,"sentiment":"neutral","sentiment_score":0.13359037972986698},{"text":"Yep.","start":704.235,"end":704.735,"sentiment":"neutral","sentiment_score":0.12273045629262924},{"text":"Absolutely.","start":707.675,"end":708.175,"sentiment":"neutral","sentiment_score":0.043248116970062256},{"text":"That's exactly right.","start":710.875,"end":712.475,"sentiment":"positive","sentiment_score":0.33783775568008423}],"sentiment":"neutral","sentiment_score":0.10573665442114527,"num_words":22,"start":699.62,"end":712.475},{"sentences":[{"text":"If you look down at the next page there for me, the next one, so this shows you the asset allocation of where you are, so where you should be once we complete the rebalance and the switch.","start":712.475,"end":721.52,"sentiment":"neutral","sentiment_score":0.13361790540971255},{"text":"Yep.","start":721.58,"end":722.08,"sentiment":"neutral","sentiment_score":0.07772685587406158},{"text":"I mean so existing ones?","start":722.78,"end":725.92004,"sentiment":"neutral","sentiment_score":0.02962186187505722},{"text":"Yeah.","start":726.22003,"end":726.72003,"sentiment":"neutral","sentiment_score":0.027267444878816605},{"text":"You've actually got 69.3% growth there at the moment, so we're gonna reduce that down to 60%.","start":726.86005,"end":732.78,"sentiment":"positive","sentiment_score":0.37578313403269825}],"sentiment":"neutral","sentiment_score":0.1890144724879534,"num_words":62,"start":712.475,"end":732.78},{"sentences":[{"text":"So we're reducing the risk level by reducing those growth investments there for you and then just bringing up the defensive investments to 40% from the 30.7.","start":732.78,"end":741.875,"sentiment":"neutral","sentiment_score":0.23256594053021185},{"text":"So you're invested back in line with where your comfort level is with your risk tolerance and making sure that we're keeping the portfolio growing in line with things for you.","start":741.875,"end":750.57,"sentiment":"positive","sentiment_score":0.4039437554536327},{"text":"Okay?","start":750.57,"end":751.07,"sentiment":"neutral","sentiment_score":0.15737715363502502},{"text":"Perfect.","start":752.41,"end":752.91,"sentiment":"positive","sentiment_score":0.601186990737915},{"text":"Yeah.","start":760.905,"end":761.405,"sentiment":"neutral","sentiment_score":-0.013325469568371773}],"sentiment":"neutral","sentiment_score":0.3204389424292279,"num_words":61,"start":732.78,"end":761.405},{"sentences":[{"text":"Honestly, yesterday, we saw a little bit of volatility, but it wasn't too much.","start":763.145,"end":767.165,"sentiment":"neutral","sentiment_score":-0.11669009684451989},{"text":"It was sort of as the markets opened yesterday, we were sort of looking at everything.","start":767.225,"end":771.165,"sentiment":"neutral","sentiment_score":-0.06649219407700002},{"text":"We did see a little bit of a dip in some assets.","start":771.44,"end":773.6,"sentiment":"neutral","sentiment_score":-0.09009250439703465},{"text":"So by the end of the day, it was basically back to where it was at the beginning of the day.","start":773.6,"end":777.76,"sentiment":"neutral","sentiment_score":0.000909652915738878},{"text":"So we don't sort of expect too much of a dip.","start":777.76,"end":780.88,"sentiment":"neutral","sentiment_score":-0.14979338171807202}],"sentiment":"neutral","sentiment_score":-0.07307122974983744,"num_words":74,"start":763.145,"end":780.88},{"sentences":[{"text":"We do expect a fair bit of volatility depending on how things go moving forward.","start":780.88,"end":785.22,"sentiment":"neutral","sentiment_score":-0.13554359674453736},{"text":"But, realistically, the biggest sort of expectation is gonna be around oil prices and possibly mining stocks this year.","start":786.28503,"end":792.365,"sentiment":"neutral","sentiment_score":0.02522591854396619},{"text":"So depending on what happens moving forward.","start":792.365,"end":795.505,"sentiment":"neutral","sentiment_score":-0.002992223416055952},{"text":"But yesterday, we didn't see too much of a dip.","start":795.965,"end":798.205,"sentiment":"neutral","sentiment_score":0.07071401923894882},{"text":"We were actually really surprised and really happy with how the market's reacted so far.","start":798.205,"end":802.82996,"sentiment":"positive","sentiment_score":0.4224522352218628}],"sentiment":"neutral","sentiment_score":0.08286540390867175,"num_words":66,"start":780.88,"end":802.82996},{"sentences":[{"text":"So yeah.","start":802.82996,"end":804.26996,"sentiment":"neutral","sentiment_score":0.09014677256345749},{"text":"Yeah.","start":804.26996,"end":804.76996,"sentiment":"neutral","sentiment_score":0.07498693466186523},{"text":"We hope so.","start":806.02997,"end":807.25,"sentiment":"neutral","sentiment_score":0.07579965516924858},{"text":"Greg, if you just sort of drop down to page number 22 there for me, the next page down does have your fee comparison.","start":809.06995,"end":815.73,"sentiment":"neutral","sentiment_score":0.05821944788719217},{"text":"So, essentially, once we sort of move everything back into your accumulation account and we do complete the rebalance there for you, we do expect the CGT consequences for the rebalance.","start":816.19,"end":828.01495,"sentiment":"neutral","sentiment_score":0.03769025969649515}],"sentiment":"neutral","sentiment_score":0.049972856478368646,"num_words":61,"start":802.82996,"end":828.01495},{"sentences":[{"text":"Essentially, when I went through, just by making that rebalance there and removing those investments that we wanna remove, we do expect those CGT consequences to be $711, which will be paid for from your fund.","start":828.15497,"end":840.15,"sentiment":"neutral","sentiment_score":0.06254009091450523},{"text":"And given you'll see the three year rolling average with the updated changes actually shows you in a better position by making these changes as well.","start":840.45,"end":849.465,"sentiment":"neutral","sentiment_score":0.3295239003805014},{"text":"So the performance of the investments that you will have has shown greater performance over the past three years compared to where you are currently.","start":849.465,"end":856.92505,"sentiment":"positive","sentiment_score":0.4853397846221924},{"text":"So we can make that CGT back nice and quick there for you.","start":857.065,"end":860.94,"sentiment":"positive","sentiment_score":0.7233287050173833},{"text":"And it also actually saves you in fees.","start":861.42,"end":863.18,"sentiment":"positive","sentiment_score":0.5999915674328804}],"sentiment":"positive","sentiment_score":0.3440348611394357,"num_words":108,"start":828.15497,"end":863.18},{"sentences":[{"text":"So when I sorta had a look at things whilst you are drawing some of the money out by making these changes to the investments there, we expect you for the first year for you to save about $50 in administration fees and about a $174 in investment fees there as well.","start":863.18,"end":876.915,"sentiment":"positive","sentiment_score":0.44868639312111414},{"text":"So it's providing a greater performance for you, but also a lower cost in fees, which is important for getting that money growing again.","start":877.315,"end":883.975,"sentiment":"positive","sentiment_score":0.6373008812467257},{"text":"Okay?","start":884.035,"end":884.535,"sentiment":"neutral","sentiment_score":0.25644057989120483},{"text":"The underneath that, you do sort of see the projection table.","start":886.435,"end":889.875,"sentiment":"neutral","sentiment_score":0.06114818291230635},{"text":"So because we are taking some money out of you, we'll still have the growth of lower fees, and you are making contributions there.","start":889.875,"end":896.29004,"sentiment":"neutral","sentiment_score":0.22524695750325918}],"sentiment":"positive","sentiment_score":0.40144563539485845,"num_words":112,"start":863.18,"end":896.29004},{"sentences":[{"text":"There is an ongoing effect to your retirement figure.","start":896.29004,"end":899.33,"sentiment":"neutral","sentiment_score":0.1629590375555886},{"text":"So we do have the projection currently, but then the projection once that withdrawal's been completed and with the investment switch.","start":899.33,"end":906.46497,"sentiment":"neutral","sentiment_score":0.026207754610195047},{"text":"And it does show it would be a negative of six thousand compared to where you are now.","start":906.46497,"end":910.64496,"sentiment":"neutral","sentiment_score":-0.03363078056524197},{"text":"But considering you're taking $11,000 out, that's not too bad a difference.","start":910.94495,"end":914.96497,"sentiment":"neutral","sentiment_score":0.04644377281268438},{"text":"So yeah.","start":915.02496,"end":917.045,"sentiment":"neutral","sentiment_score":0.0580605324357748}],"sentiment":"neutral","sentiment_score":0.03363042698812581,"num_words":62,"start":896.29004,"end":917.045},{"sentences":[{"text":"Yeah.","start":922.39996,"end":922.89996,"sentiment":"neutral","sentiment_score":0.09400972723960876},{"text":"If you do wanna put more money in, give me a call.","start":923.27997,"end":925.76,"sentiment":"neutral","sentiment_score":0.0713295325015982},{"text":"We'll have a chat about it, and I'll work out the best way for it to work for you.","start":925.76,"end":929.36,"sentiment":"neutral","sentiment_score":0.3036959975173599},{"text":"Okay?","start":929.36,"end":929.86,"sentiment":"neutral","sentiment_score":0.21908731758594513},{"text":"Yep.","start":930.16,"end":930.585,"sentiment":"positive","sentiment_score":0.33930784463882446}],"sentiment":"neutral","sentiment_score":0.2140759774209822,"num_words":34,"start":922.39996,"end":930.585},{"sentences":[{"text":"But the other thing to sorta consider is when you get to age 67, when you are closer to that point, I'll help you with the advice document.","start":931.305,"end":938.505,"sentiment":"neutral","sentiment_score":0.054520283226988146},{"text":"We'll look at how much you have in super then, how you can draw that down, and we'll also factor in Stantelink and and whatever else we can possibly get to make sure your super provides as much longevity as possible for you.","start":938.505,"end":950.26996,"sentiment":"neutral","sentiment_score":0.0918236400845439},{"text":"Okay.","start":950.41,"end":950.91,"sentiment":"positive","sentiment_score":0.34106677770614624},{"text":"Excellent.","start":951.76996,"end":952.26996,"sentiment":"positive","sentiment_score":0.7408478260040283},{"text":"All good.","start":952.73,"end":953.55,"sentiment":"positive","sentiment_score":0.6865216791629791}],"sentiment":"neutral","sentiment_score":0.10573256554702917,"num_words":75,"start":931.305,"end":953.55},{"sentences":[{"text":"Other than that, there's no ongoing no upfront fees for the advice at all.","start":953.61,"end":957.85,"sentiment":"neutral","sentiment_score":0.16904626307742937},{"text":"You're already an ongoing client for paying the 1.65%.","start":957.85,"end":961.20996,"sentiment":"neutral","sentiment_score":0.24141923586527506},{"text":"That entitles you to ongoing advice.","start":961.20996,"end":963.685,"sentiment":"neutral","sentiment_score":0.2700929120182991},{"text":"There's no additional fees for providing the advice here for you.","start":964.145,"end":967.425,"sentiment":"neutral","sentiment_score":0.23884221369569952},{"text":"So if you are comfortable, essentially, you'll just get you to sign up and return it back.","start":967.425,"end":972.705,"sentiment":"neutral","sentiment_score":0.2549396972445881}],"sentiment":"neutral","sentiment_score":0.23019679792617498,"num_words":57,"start":953.61,"end":972.705},{"sentences":[{"text":"As I mentioned, implementation will be pretty easy.","start":972.705,"end":974.865,"sentiment":"neutral","sentiment_score":0.303621593862772},{"text":"We'll open up the pension account, complete the withdrawal for you, then close it off and roll everything back to accumulation, and then do the investment switch for you.","start":974.865,"end":984.31,"sentiment":"neutral","sentiment_score":0.17323912603074107},{"text":"Okay?","start":984.37,"end":984.87,"sentiment":"neutral","sentiment_score":0.0330410897731781},{"text":"If you go press start, and then it should take you down to page number 29.","start":990.29,"end":995.015,"sentiment":"neutral","sentiment_score":0.022637320798821747},{"text":"That's the one.","start":999.395,"end":1000.195,"sentiment":"neutral","sentiment_score":0.05133620401223501}],"sentiment":"neutral","sentiment_score":0.14038867088394208,"num_words":57,"start":972.705,"end":1000.195},{"sentences":[{"text":"Yeah.","start":1000.195,"end":1000.595,"sentiment":"neutral","sentiment_score":0.08806809782981873},{"text":"You should be able to click on it, and it should give you a signature, or you can use your finger to type however you prefer.","start":1000.595,"end":1006.455,"sentiment":"neutral","sentiment_score":0.05965942223198139},{"text":"Mhmm.","start":1008.45996,"end":1008.95996,"sentiment":"neutral","sentiment_score":0.09719763696193696},{"text":"Beautiful.","start":1009.81995,"end":1010.31995,"sentiment":"positive","sentiment_score":0.5571805834770203},{"text":"I'm sure it's lovely.","start":1010.54,"end":1011.6,"sentiment":"positive","sentiment_score":0.545816570520401}],"sentiment":"neutral","sentiment_score":0.13566235086005746,"num_words":33,"start":1000.195,"end":1011.6},{"sentences":[{"text":"Yep.","start":1014.54,"end":1015.04,"sentiment":"neutral","sentiment_score":0.081401027739048},{"text":"Perfect.","start":1015.1,"end":1015.6,"sentiment":"neutral","sentiment_score":0.1980825811624527},{"text":"So once you've done that, press next, and it should take you back.","start":1018.94,"end":1022.24,"sentiment":"neutral","sentiment_score":0.007236341444345621},{"text":"Oh, okay.","start":1026.835,"end":1027.395,"sentiment":"neutral","sentiment_score":-0.02476184256374836},{"text":"That is just an ex just put NA.","start":1027.395,"end":1029.655,"sentiment":"neutral","sentiment_score":-0.03556159883737564}],"sentiment":"neutral","sentiment_score":0.001581582874059677,"num_words":25,"start":1014.54,"end":1029.655},{"sentences":[{"text":"That's essentially just an extra box in case you decide you wanna change any of the advice or not take on any of the advice.","start":1029.875,"end":1036.835,"sentiment":"neutral","sentiment_score":0.013086520321667194},{"text":"You can just put NA, and it'll let it'll let you continue through.","start":1036.835,"end":1039.4401,"sentiment":"neutral","sentiment_score":0.10542459556689629},{"text":"Yeah.","start":1039.98,"end":1040.48,"sentiment":"neutral","sentiment_score":0.1965506970882416},{"text":"Perfect.","start":1043.1001,"end":1043.6001,"sentiment":"positive","sentiment_score":0.6801438927650452},{"text":"And then it should take you through, and it should tell you it's confirmed or finished.","start":1043.9,"end":1047.36,"sentiment":"positive","sentiment_score":0.4951288979500532}],"sentiment":"neutral","sentiment_score":0.18743642334759766,"num_words":56,"start":1029.875,"end":1047.36},{"sentences":[{"text":"Yep.","start":1060.875,"end":1061.1151,"sentiment":"neutral","sentiment_score":0.09649048745632172},{"text":"That's okay.","start":1061.1151,"end":1062.015,"sentiment":"neutral","sentiment_score":0.1278749629855156},{"text":"That's okay.","start":1063.7699,"end":1064.57,"sentiment":"neutral","sentiment_score":0.20512428134679794},{"text":"Thank you so much for that.","start":1064.57,"end":1066.2699,"sentiment":"positive","sentiment_score":0.6615680257479349},{"text":"Attached to the email, which you will have there as well, we do have the financial services guide, all the PDF documents related to the products that we make recommendations on.","start":1066.57,"end":1074.645,"sentiment":"neutral","sentiment_score":0.26108966046764004}],"sentiment":"neutral","sentiment_score":0.3053732525025095,"num_words":42,"start":1060.875,"end":1074.645},{"sentences":[{"text":"So if you did wanna have a view of those, feel free.","start":1074.805,"end":1077.045,"sentiment":"neutral","sentiment_score":0.17081813576320806},{"text":"If you have any questions, let me know.","start":1077.045,"end":1079.0651,"sentiment":"neutral","sentiment_score":0.13829248491674662},{"text":"But I'll once that comes back and confirms to me, I'll get the let the team know, and we'll organize that withdrawal to be processed and the advice to be implemented for you.","start":1079.4451,"end":1087.685,"sentiment":"neutral","sentiment_score":0.20058379119092767},{"text":"Okay.","start":1087.685,"end":1088.185,"sentiment":"neutral","sentiment_score":0.25622960925102234},{"text":"Yeah.","start":1091.5901,"end":1092.0701,"sentiment":"neutral","sentiment_score":0.07636979967355728}],"sentiment":"neutral","sentiment_score":0.18378221866759387,"num_words":55,"start":1074.805,"end":1092.0701},{"sentences":[{"text":"Yeah.","start":1092.0701,"end":1092.4701,"sentiment":"neutral","sentiment_score":0.08222949504852295},{"text":"Definitely.","start":1092.4701,"end":1092.9501,"sentiment":"neutral","sentiment_score":0.12295936793088912},{"text":"I'll let the team know that it's quite time sensitive, and we need to get it completed as quickly as possible for you.","start":1092.9501,"end":1098.31,"sentiment":"neutral","sentiment_score":0.11470478497769522},{"text":"So it takes about a week for the TTR account to be opened.","start":1098.31,"end":1101.93,"sentiment":"neutral","sentiment_score":0.09072768602233666},{"text":"Once that's opened, the withdrawal should only take a couple of days to be completed.","start":1102.515,"end":1106.375,"sentiment":"neutral","sentiment_score":0.13995728393395743}],"sentiment":"neutral","sentiment_score":0.1155135489578517,"num_words":53,"start":1092.0701,"end":1106.375},{"sentences":[{"text":"Okay?","start":1106.5951,"end":1107.0951,"sentiment":"neutral","sentiment_score":0.1167374774813652},{"text":"Oh, that's okay.","start":1109.395,"end":1110.535,"sentiment":"positive","sentiment_score":0.4328004717826843},{"text":"Not a problem at all.","start":1111.3151,"end":1112.855,"sentiment":"neutral","sentiment_score":0.16429290175437927},{"text":"Oh, thank you.","start":1113.7151,"end":1114.755,"sentiment":"neutral","sentiment_score":0.26352500915527344},{"text":"It honestly isn't that hard.","start":1114.755,"end":1116.615,"sentiment":"neutral","sentiment_score":-0.01874915175139904}],"sentiment":"neutral","sentiment_score":0.17255486295942,"num_words":17,"start":1106.5951,"end":1116.615},{"sentences":[{"text":"I said my absolutely.","start":1119.93,"end":1122.59,"sentiment":"neutral","sentiment_score":-0.011775720864534378},{"text":"No.","start":1123.53,"end":1123.93,"sentiment":"neutral","sentiment_score":0.11424876004457474},{"text":"Perfect.","start":1123.93,"end":1124.33,"sentiment":"positive","sentiment_score":0.552431583404541},{"text":"Well, thank you so much.","start":1124.33,"end":1125.21,"sentiment":"positive","sentiment_score":0.7585315823554992},{"text":"If you have any questions or concerns, feel free to let me know.","start":1125.21,"end":1127.77,"sentiment":"neutral","sentiment_score":0.31269337924627155}],"sentiment":"positive","sentiment_score":0.3532187209154169,"num_words":24,"start":1119.93,"end":1127.77},{"sentences":[{"text":"I'm always here and always happy to make time for you, Craig.","start":1127.77,"end":1130.41,"sentiment":"positive","sentiment_score":0.624428058664004},{"text":"Okay?","start":1130.41,"end":1130.91,"sentiment":"neutral","sentiment_score":0.26536044478416443},{"text":"My pleasure.","start":1133.0869,"end":1133.9069,"sentiment":"positive","sentiment_score":0.8034921288490295},{"text":"You too.","start":1134.127,"end":1134.9469,"sentiment":"positive","sentiment_score":0.46105383336544037},{"text":"Thank you.","start":1135.0869,"end":1135.6469,"sentiment":"positive","sentiment_score":0.4747145473957062}],"sentiment":"positive","sentiment_score":0.5914220088406613,"num_words":19,"start":1127.77,"end":1135.6469},{"sentences":[{"text":"See you later.","start":1135.6469,"end":1136.4469,"sentiment":"positive","sentiment_score":0.4342707892258962},{"text":"Bye.","start":1136.4469,"end":1136.9469,"sentiment":"neutral","sentiment_score":0.15298102796077728}],"sentiment":"positive","sentiment_score":0.36394834890961647,"num_words":4,"start":1135.6469,"end":1136.9469}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you doing now? Yep. Yep. Perfect. I'll wait. I'll wait. I've been waiting for you. Yep. Yep. Certainly. That's cool. Yep. Craig Douglas Manasa. Third of the fourth nineteen sixty four. Twenty eight Drysdale Avenue, Frankston, Victoria three one nine nine. Is that what you wanted? Yep. Yep. Yep. Yep. Yep. That's correct. Yeah. That way. I don't know. It's hilarious when it doesn't work. Let me get Dana. Yep. Got it. Statement of advice. Yep. Okay. All that's come up, we sign document straight away and then make new services guide version two. Is that the one? Or financial service? Yep. Yep. Yep. Okay. Bye. Yep. Statement of July. 03/03/2026. By yourself? Yes. That's it. Perfect. Yep. Yep. Yep. Yep. Sorry. Yep. Yep. Yep. Yep. Yep. Got that. Perfect. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Michael. All good. Yep. Yep. Yep. Uh-huh. Yep. 11 7 where are we? 891011. Okay. Strategy recommendation. Yep. Yep. Thousand. Yes. Yep. Yep. That's right. Yep. Yep. Now can I ask you a question? Will I have the same TTR account that I had last year, or will it be another another one? Like, a new one? Yeah. Yeah. Yep. Yep. Okay. Cool. Yep. No. That makes sense. When I when when I look on the when I have to do tax, it comes up and shows all these different superannuation accounts and you think. Yeah. So it's just that XPathman does it, but that's fine. Yeah. Yep. Yep. Yep. Yeah. That they haven't they haven't changed. It should be Suncorp and ending in 5 381. You're not. Yes. Yep. Yep. Yep. I'll just hang on. I'll just check that bank. I'll just check that bank account. It's I thought it was eight one. Yeah. Plugging into my account. Okay. Let's see. It's 484799 is the BSB and BSB. And then then the account number is is yep. 781 7 81. Yes. Yes. Yes. That's still what I've got in front of me. Yes. Yes. Not just with like, you're pressing buttons. The account number is 0000 53781. No worries. Yes. No worries. That's alright. Cool. I'm glad I checked. That didn't sound right. And I thought, I better that could sound better. Yep. Yeah. Yep. Thank you. Yep. Yes. Yep. Not really. Yep. Hi. Investments. Okay. Yep. Mhmm. Yep. Yes. Yep. Yep. Yes. Yep. Yep. Yep. Yeah. Cool. Cool. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Perfect. Yep. Makes sense. Yeah. Pretty pretty easy to follow. Red is taken away. Green is where you're adding it. So all good. Yep. Yep. Yep. Yes. Yep. Yep. Beautiful. Yeah. And I'm yeah. I'm expecting super to go down a little bit, especially with what's happening around the world. It's a hybrid. I'm sure it's gonna probably go down a little bit. So yeah. Yeah. Well, it's hard to say it that way. Okay. Yeah. Mhmm. Yep. Yes. Yes. Yes. Yes. Yes. Yes. Yep. Perfect. Mhmm. Yep. Perfect. Yes. Yep. Yep. It's just starting. Yep. Yeah. Exactly. I'm looking at the end of the day if I want to, I could just go on to HUD twenty four and deposit straight into it anyway if I wanted to go through it that way. Yeah. So yeah. Yeah. Okay. Beautiful. Yeah. Okay. Beautiful. Yep. Yep. Yep. Yep. Yep. Perfect. Perfect. Yeah. Perfect. Okay. Yep. Yep. Yep. So what do I where do I start? What does it say? Text or do I hit click to start? Which it has please signed below in that little signature box. Is it? Capital do I like that signature. And and today. Yep. And then I go to what do I do now? Next. It says filling the text box. What's it once there? And I done. Validate and send complete the document. Loading loading loading. Yeah. I should probably be slow on my end. Your end was really quick. Mine's fine. Go on. We will get the front. That's it. Yep. Yep. Yep. Yep. Fantastic. So if I wait about a week and a half, it should be in my account. Yep. Yep. Yep. Yep. Excellent. Thank you thank you so much, Dana. I really appreciate everything you've done and made it sound really simple, which is even better. But but no. It's not. No. It's not when you think about it. I haven't come and go through. It's much easier. No worries. Thank you so much. You have a great night. Okay. Bye. Bye. 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Good. Thanks. How are you doing now? Yep.\n\nYep. Perfect. I'll wait. I'll wait. I've been waiting for you.\n\nYep. Yep. Certainly. That's cool. Yep.\n\nCraig Douglas Manasa. Third of the fourth nineteen sixty four. Twenty eight Drysdale Avenue, Frankston, Victoria three one nine nine. Is that what you wanted? Yep.\n\nYep. Yep. Yep. Yep. That's correct.\n\nYeah. That way. I don't know. It's hilarious when it doesn't work. Let me get Dana.\n\nYep. Got it. Statement of advice. Yep. Okay.\n\nAll that's come up, we sign document straight away and then make new services guide version two. Is that the one? Or financial service? Yep. Yep.\n\nYep. Okay. Bye. Yep. Statement of July.\n\n03/03/2026. By yourself? Yes. That's it. Perfect.\n\nYep. Yep. Yep. Yep. Sorry.\n\nYep. Yep. Yep. Yep. Yep.\n\nGot that. Perfect. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Michael.\n\nAll good. Yep. Yep. Yep. Uh-huh.\n\nYep. 11 7 where are we? 891011. Okay. Strategy recommendation.\n\nYep. Yep. Thousand. Yes. Yep.\n\nYep. That's right. Yep. Yep. Now can I ask you a question?\n\nWill I have the same TTR account that I had last year, or will it be another another one? Like, a new one? Yeah. Yeah. Yep.\n\nYep. Okay. Cool. Yep. No.\n\nThat makes sense. When I when when I look on the when I have to do tax, it comes up and shows all these different superannuation accounts and you think. Yeah. So it's just that XPathman does it, but that's fine. Yeah.\n\nYep. Yep. Yep. Yeah. That they haven't they haven't changed.\n\nIt should be Suncorp and ending in 5 381. You're not. Yes. Yep. Yep.\n\nYep. I'll just hang on. I'll just check that bank. I'll just check that bank account. It's I thought it was eight one.\n\nYeah. Plugging into my account. Okay. Let's see. It's 484799 is the BSB and BSB.\n\nAnd then then the account number is is yep. 781 7 81. Yes. Yes. Yes.\n\nThat's still what I've got in front of me. Yes. Yes. Not just with like, you're pressing buttons. The account number is 0000 53781.\n\nNo worries. Yes. No worries. That's alright. Cool.\n\nI'm glad I checked. That didn't sound right. And I thought, I better that could sound better. Yep. Yeah.\n\nYep. Thank you. Yep. Yes. Yep.\n\nNot really. Yep. Hi. Investments. Okay.\n\nYep. Mhmm. Yep. Yes. Yep.\n\nYep. Yes. Yep. Yep. Yep.\n\nYeah. Cool. Cool. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYep. Yep. Perfect. Yep. Makes sense.\n\nYeah. Pretty pretty easy to follow. Red is taken away. Green is where you're adding it. So all good.\n\nYep. Yep. Yep. Yes. Yep.\n\nYep. Beautiful. Yeah. And I'm yeah. I'm expecting super to go down a little bit, especially with what's happening around the world.\n\nIt's a hybrid. I'm sure it's gonna probably go down a little bit. So yeah. Yeah. Well, it's hard to say it that way.\n\nOkay. Yeah. Mhmm. Yep. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYep. Perfect. Mhmm. Yep. Perfect.\n\nYes. Yep. Yep. It's just starting. Yep.\n\nYeah. Exactly. I'm looking at the end of the day if I want to, I could just go on to HUD twenty four and deposit straight into it anyway if I wanted to go through it that way. Yeah. So yeah.\n\nYeah. Okay. Beautiful. Yeah. Okay.\n\nBeautiful. Yep. Yep. Yep. Yep.\n\nYep. Perfect. Perfect. Yeah. Perfect.\n\nOkay. Yep. Yep. Yep. So what do I where do I start?\n\nWhat does it say? Text or do I hit click to start? Which it has please signed below in that little signature box. Is it? Capital do I like that signature.\n\nAnd and today. Yep. And then I go to what do I do now? Next. It says filling the text box.\n\nWhat's it once there? And I done. Validate and send complete the document. Loading loading loading. Yeah.\n\nI should probably be slow on my end. Your end was really quick. Mine's fine. Go on. We will get the front.\n\nThat's it. Yep. Yep. Yep. Yep.\n\nFantastic. So if I wait about a week and a half, it should be in my account. Yep. Yep. Yep.\n\nYep. Excellent. Thank you thank you so much, Dana. I really appreciate everything you've done and made it sound really simple, which is even better. But but no.\n\nIt's not. No. It's not when you think about it. I haven't come and go through. It's much easier.\n\nNo worries. Thank you so much. You have a great night. Okay. Bye.\n\nBye. 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It's Dana from Yankee Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. How are you doing now?\n\nChannel 0: I'm very well. Thank you. I had you booked in just to run through the updated advice document. Is now a good time there for\n\nChannel 1: Yep. Yep. Perfect. I'll wait. I'll wait.\n\nI've been waiting for\n\nChannel 0: you? Oh, fantastic. I had just have to double check. I'd we do record our calls for quality and\n\nChannel 1: you.\n\nChannel 0: training purposes.\n\nChannel 1: Yep.\n\nChannel 0: Are you happy for me to proceed with that?\n\nChannel 1: Yep. Certainly. That's cool.\n\nChannel 0: Lovely. And just a bit of security there as well, I'm discussing your personal information. So we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file there for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Craig Douglas Manasa. Third of\n\nChannel 0: Yep.\n\nChannel 1: the fourth nineteen sixty four. Twenty eight Drysdale Avenue, Frankston, Victoria three one nine nine.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Is that what you\n\nChannel 0: Thank\n\nChannel 1: wanted?\n\nChannel 0: you.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Thank you so much. Now do you happen to have access to emails at the moment? If you don't,\n\nChannel 1: Yep.\n\nChannel 0: that is okay. Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. I'm just gonna send through the advice document to you there. I've got your email address as manton_92@yahoo.com. Is that still correct?\n\nChannel 1: That's correct. Yeah.\n\nChannel 0: Yep. Perfect. Okay. This one's just heading directly to you there now. Perfect.\n\nNow, hopefully, the Internet locks us today, and it comes through fairly quickly for you.\n\nChannel 1: That way.\n\nChannel 0: Love\n\nChannel 1: I\n\nChannel 0: technology one that wants to work correctly.\n\nChannel 1: don't know. It's hilarious when it doesn't work.\n\nChannel 0: That's it.\n\nChannel 1: Let me get Dana. Yep. Got it.\n\nChannel 0: That's\n\nChannel 1: Statement\n\nChannel 0: the one.\n\nChannel 1: of advice. Yep.\n\nChannel 0: Beautiful. Thank you so much. When you open the email there, it should take you directly to it. I think it does ask you if you wanna proceed through, and then it should show first document there, which would just say statement of advice prepared for yourself, Craig, Minh, as of the 03/03/2026.\n\nChannel 1: Okay. All that's come up, we sign document straight\n\nChannel 0: Yep.\n\nChannel 1: away and\n\nChannel 0: Okay.\n\nChannel 1: then make new services guide version two. Is that the one? Or financial\n\nChannel 0: So that\n\nChannel 1: service?\n\nChannel 0: is if you click on the button that says sign the document, it'll let you go through to see the document, but you\n\nChannel 1: Yep.\n\nChannel 0: don't have to sign it straight away because I don't want\n\nChannel 1: Yep.\n\nChannel 0: you to sign anything you're not comfortable or have not read.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Okay. Bye. Yep. Statement\n\nChannel 0: Perfect.\n\nChannel 1: of July.\n\nChannel 0: Beautiful.\n\nChannel 1: 03/03/2026. By yourself?\n\nChannel 0: Yep. My license number is 1304394, and Oakview Financial have an Australian Financial Services license number 513068 there. Okay?\n\nChannel 1: Yes. That's it. Perfect.\n\nChannel 0: Beautiful. As you are scrolling through the next couple of pages, it just lets you know that any advice we do provide is under the best interest, which is part of the corporations that's making sure that we're here to help you, achieve your goals.\n\nChannel 1: Yep.\n\nChannel 0: And if you go down to page number three, you've got the scoping of the advice there. So we have scoping superannuation. We did wanna\n\nChannel 1: Yep.\n\nChannel 0: discuss looking at your investments. There are a couple that we needed to make some changes to to make sure you are working\n\nChannel 1: Yep.\n\nChannel 0: and on track towards being able to access super, hopefully, at age 67 there for you.\n\nChannel 1: Yep. Sorry.\n\nChannel 0: And the\n\nChannel 1: Yep.\n\nChannel 0: main you're at the main\n\nChannel 1: Yep.\n\nChannel 0: goal for this advice is that you wanted to access 10% of the funds there. You've recently purchased a new vehicle and wanted to keep a buffer\n\nChannel 1: Yep.\n\nChannel 0: in your bank account there as a bit of a safety net. So we were looking to access the 10% under the transition to retirement strategy so you're able to access some of those funds from super. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Then\n\nChannel 1: Yep. Got that. Perfect.\n\nChannel 0: excellent. The next page has the retirement side of things. So we're not scoping this in as of yet. It's more just about making sure that you're aware there are long term effects of the advice that we do provide. So\n\nChannel 1: Yep.\n\nChannel 0: because you do need that 10%, I wanted to make sure I'm being honest and open and providing you the long term effects that we have illustrated what the retirement looks like based on this recommendation, but we're here to help you moving forward as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: And we've just got out the retirement so the estate planning side of things. So you're comfortable with your your beneficiary on file. Your partner is known as your\n\nChannel 1: Yep.\n\nChannel 0: beneficiary, and that was where you were comfortable with. You and I can review this moving forward as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Yep. Michael.\n\nChannel 0: Perfect.\n\nChannel 1: All good.\n\nChannel 0: Moving forward through as you do go through, you will see on page number eight that just the assets and liabilities we had noted there for you. We just have your two vehicles there. No current\n\nChannel 1: Yep.\n\nChannel 0: debts to be worried about.\n\nChannel 1: Yep.\n\nChannel 0: And we've got your superannuation balance noted there. So as of the date we did the document, it was a\n\nChannel 1: Yep.\n\nChannel 0: 126,112, which is a bit up from where we were, which is fantastic.\n\nChannel 1: Uh-huh.\n\nChannel 0: If you scroll down to page number 11\n\nChannel 1: Yep.\n\nChannel 0: for me\n\nChannel 1: 11\n\nChannel 0: perfect.\n\nChannel 1: 7 where are we? 891011. Okay. Strategy recommendation.\n\nChannel 0: Strategy recommendations? That's the\n\nChannel 1: Yep.\n\nChannel 0: one. Beautiful. Now this is just outlining here that so you can access that 10% there. We are commencing a transition retirement pension account for you with the with the balance of 101,090. Sorry.\n\nChannel 1: Yep.\n\nChannel 0: Actually, no. I do apologize. I got that wrong. It's actually a 113,000 because\n\nChannel 1: Thousand.\n\nChannel 0: we are actually also including the drawdown there. So\n\nChannel 1: Yes.\n\nChannel 0: the TTR will be open with about a 113,000 there, $1.42. Essentially, once that is open with a 113,000, then we will draw down the the amount for you. The 10% allows you to access $11,311, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And that is leaving the 10,000 behind plus the tax liability in your super account. So that'll\n\nChannel 1: Yep.\n\nChannel 0: be 13,000 left in accumulation.\n\nChannel 1: That's\n\nChannel 0: Once\n\nChannel 1: right.\n\nChannel 0: that drawdown has been made to you, and this is the first thing we'll do, so we'll open the pension account, move the money in over nice and quick for you. It takes\n\nChannel 1: Yep.\n\nChannel 0: about a week to process,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll complete that drawdown to your bank account so you get the funds.\n\nChannel 1: Now can I ask you a question? Will I have the same TTR account that I had last year, or will it be another another one?\n\nChannel 0: Absolutely.\n\nChannel 1: Like, a new\n\nChannel 0: It'll\n\nChannel 1: one?\n\nChannel 0: yeah. It'll be a different one. So\n\nChannel 1: Yeah.\n\nChannel 0: because we\n\nChannel 1: Yeah.\n\nChannel 0: closed the one last year and\n\nChannel 1: Yep.\n\nChannel 0: rolled everything back into super, we open\n\nChannel 1: Yep.\n\nChannel 0: up a brand new account\n\nChannel 1: Okay.\n\nChannel 0: each time\n\nChannel 1: Cool.\n\nChannel 0: we open\n\nChannel 1: Yep.\n\nChannel 0: one. Okay.\n\nChannel 1: No. That\n\nChannel 0: Perfect.\n\nChannel 1: makes sense. When I when when I look on the when I have\n\nChannel 0: Yeah.\n\nChannel 1: to do tax, it comes up and shows all these different superannuation accounts and you think.\n\nChannel 0: Oh,\n\nChannel 1: Yeah. So\n\nChannel 0: yeah.\n\nChannel 1: it's just that XPathman does it, but that's fine. Yeah.\n\nChannel 0: Yeah. That's okay. That's not a\n\nChannel 1: Yep.\n\nChannel 0: problem at all. I'm just having a quick look as well because we did have when we did your withdrawal last year, we would have got the bank account details. So I will\n\nChannel 1: Yep.\n\nChannel 0: make sure that the team have those on file before we\n\nChannel 1: Yep.\n\nChannel 0: process it.\n\nChannel 1: Yeah.\n\nChannel 0: But I'm pretty sure the account details\n\nChannel 1: That\n\nChannel 0: are still gonna be on this application form. I'll just have a really quick look while I've got\n\nChannel 1: they\n\nChannel 0: you.\n\nChannel 1: haven't they haven't changed.\n\nChannel 0: Nope. That's okay. That's really good. Sorry. My computer's a tad bit slow.\n\nThere we go. Alright. So\n\nChannel 1: It should be Suncorp and ending in 5 381.\n\nChannel 0: Sorry. Two seconds. I've opened up one\n\nChannel 1: You're not.\n\nChannel 0: form. It doesn't have it there, but I've opened up the second one I have here, and it should be fine. There we go. Perfect. I've got the Suncorp account here, and\n\nChannel 1: Yes.\n\nChannel 0: it's ending in 78.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Lovely. Excellent. Thank you so much.\n\nSo I'll get let the team know we do have those details on file, and we'll make sure we use the same information there for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Lovely.\n\nChannel 1: Yep. I'll just hang\n\nChannel 0: So\n\nChannel 1: on. I'll just\n\nChannel 0: once\n\nChannel 1: check that bank. I'll\n\nChannel 0: yeah.\n\nChannel 1: just check that bank account.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: Absolute. That's okay.\n\nChannel 1: I thought it\n\nChannel 0: We\n\nChannel 1: was\n\nChannel 0: wanna make sure we\n\nChannel 1: eight\n\nChannel 0: get this right for you\n\nChannel 1: one.\n\nChannel 0: and make it as\n\nChannel 1: Yeah.\n\nChannel 0: easy as possible.\n\nChannel 1: Plugging into my account. Okay.\n\nChannel 0: That's okay.\n\nChannel 1: Let's see. It's 484799 is the BSB and BSB.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Perfect.\n\nChannel 1: then then the account\n\nChannel 0: With the\n\nChannel 1: number is\n\nChannel 0: sorry. With Craig, just give me the\n\nChannel 1: is\n\nChannel 0: last three digits of the account number. Don't read the whole one out. We don't\n\nChannel 1: yep.\n\nChannel 0: wanna record the the number. That's all. Sorry.\n\nChannel 1: 781\n\nChannel 0: This is\n\nChannel 1: 7\n\nChannel 0: yours.\n\nChannel 1: 81.\n\nChannel 0: Oh, okay. I have a different number on here. That is okay. What I will do is after the call, I will when we get the yeah. What I'll do is I'm just gonna put the recording on hold for you.\n\nAre you okay\n\nChannel 1: Yes.\n\nChannel 0: if I grab those details now\n\nChannel 1: Yes.\n\nChannel 0: of you?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: That's still what I've got in front of me.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: So I'm just gonna put the recording on hold. You should hear a beep or hear someone come on saying that the recording has ended. Might be one second.\n\nChannel 1: Yes.\n\nChannel 0: Was there a beep, or was there someone that said the recording had ended?\n\nChannel 1: Not just with like, you're pressing buttons.\n\nChannel 0: Okay. Perfect. Lovely. So what's the number that you should have there, the account number?\n\nChannel 1: The account number is 0000\n\nChannel 0: Yep.\n\nChannel 1: 53781.\n\nChannel 0: Okay. Perfect. Thank you so much for that.\n\nChannel 1: No\n\nChannel 0: I\n\nChannel 1: worries.\n\nChannel 0: will make sure the team have that on file, and I'll destroy that as soon as I can. Okay?\n\nChannel 1: Yes. No worries. That's alright. Cool.\n\nChannel 0: Perfect. Lovely. Thank you so much for that. Now\n\nChannel 1: I'm glad I checked. That didn't sound right. And I thought, I better that\n\nChannel 0: no.\n\nChannel 1: could sound better.\n\nChannel 0: That's okay. That's not a problem\n\nChannel 1: Yep.\n\nChannel 0: at all. I've just sent the recording back on for you now\n\nChannel 1: Yeah.\n\nChannel 0: there. Perfect. Thank you very much for that. So just with the advice piece, you'll get that based on the current balance that we expect you to be able to receive the amount of the 11,000 sorry. My computer's there we go.\n\n11311. So once that\n\nChannel 1: Yep.\n\nChannel 0: withdrawal has been completed, then we'll close off the pension account and roll the funds back to accumulation\n\nChannel 1: Thank\n\nChannel 0: there for\n\nChannel 1: you.\n\nChannel 0: you. So everything\n\nChannel 1: Yep.\n\nChannel 0: remains back in the one account invested correctly for you. Okay?\n\nChannel 1: Yes. Yep. Not\n\nChannel 0: Perfect.\n\nChannel 1: really.\n\nChannel 0: Now once that has been fully completed there, we will then in that do complete the investment switch for you.\n\nChannel 1: Yep.\n\nChannel 0: So to make it nice and easy, if you can scroll down for me to page number 20, this is gonna show you what we're doing. It has the heading investments, and you'll see a nice lovely table there.\n\nChannel 1: Hi. Investments.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Yep.\n\nChannel 0: That's the one. So, essentially, with this, it shows you everything you do have in your fund at the moment. Now the one fund that we discussed that was underperforming quite heavily\n\nChannel 1: Mhmm.\n\nChannel 0: was Bennelong Australian Equities,\n\nChannel 1: Yep.\n\nChannel 0: and our investment committee wanted to get rid of that in everyone's account now. So we're taking and selling all of the Van Along. We'll\n\nChannel 1: Yes.\n\nChannel 0: be selling part of the battery and lithium tech,\n\nChannel 1: Yep.\n\nChannel 0: part of the bank oh, so all of the bank harbors as well. That's another one we wanna get rid of at the moment. Some\n\nChannel 1: Yep.\n\nChannel 0: of\n\nChannel 1: Yes.\n\nChannel 0: the physical, yeah, some of the\n\nChannel 1: Yep.\n\nChannel 0: physical gold, some s and p 500, and some of the Raffy. The reason we are selling some of those other investments is because we also wanna do a bit of a rebalance.\n\nChannel 1: Yep.\n\nChannel 0: So at the moment, you're not quite in line with your risk profile. So selling a part of all of those plus all the bank hybrids and all the BAN along\n\nChannel 1: Yep.\n\nChannel 0: allows us to have the money reinvested for you.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Cool.\n\nChannel 0: we'll\n\nChannel 1: Cool.\n\nChannel 0: be purchasing into the beta shares Aussie 200, which is the one at the very bottom of the table,\n\nChannel 1: Yep.\n\nChannel 0: purchasing some more ClearBridge infrastructure income fund for you,\n\nChannel 1: Yeah.\n\nChannel 0: putting some more money into the core composite bonds,\n\nChannel 1: Yeah.\n\nChannel 0: and then also having some into the beta shares Australian high yield cash. And you will\n\nChannel 1: Yeah.\n\nChannel 0: retain a fair bit of gold there as well. So we're just sort of rebalancing the portfolio, removing\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: Yeah.\n\nChannel 0: of the ban along, putting that into the beta shares Aussie 200, and\n\nChannel 1: Yep.\n\nChannel 0: also removing all of the bank hybrids there just because the government is about to phase those out. They're putting\n\nChannel 1: Yep.\n\nChannel 0: all of that into the core composite bonds instead for you.\n\nChannel 1: Yep.\n\nChannel 0: Does that make\n\nChannel 1: Perfect.\n\nChannel 0: sense? Yep.\n\nChannel 1: Yep. Makes sense. Yeah. Pretty pretty easy to follow. Red is\n\nChannel 0: Absolutely.\n\nChannel 1: taken away. Green is where you're adding it. So all\n\nChannel 0: That's\n\nChannel 1: good.\n\nChannel 0: exactly right. If you\n\nChannel 1: Yep.\n\nChannel 0: look down at the next page there for me, the next one, so this shows you the\n\nChannel 1: Yep.\n\nChannel 0: asset allocation of where you are, so where you should be once we complete the rebalance and the switch. Yep. I mean\n\nChannel 1: Yep.\n\nChannel 0: so existing ones? Yeah. You've actually got 69.3% growth there at the moment, so we're gonna reduce that down to 60%. So we're reducing the risk level by reducing those growth investments there for\n\nChannel 1: Yes.\n\nChannel 0: you and then just bringing up the defensive investments to 40% from the 30.7. So you're invested back in line with where your comfort level is with your risk tolerance and making sure that we're keeping the portfolio growing in line with things for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Beautiful. Yeah. And I'm\n\nChannel 0: Perfect.\n\nChannel 1: yeah. I'm expecting super to go down a little bit, especially with what's happening around the world. It's a hybrid. I'm sure it's gonna probably\n\nChannel 0: Yeah.\n\nChannel 1: go down a little bit. So\n\nChannel 0: Honestly, yesterday, we saw a little bit of volatility, but it wasn't\n\nChannel 1: yeah.\n\nChannel 0: too much. It was sort of as the markets opened yesterday, we were sort of looking at everything. We did see a little bit of a dip in some assets. So by the end of the day, it was basically back to where it was at the beginning of the day. So we don't sort of expect too much of a dip.\n\nWe do expect a fair bit of volatility depending on how things go moving forward. But, realistically, the biggest sort of expectation is gonna be around oil prices and possibly mining stocks this year. So depending on what happens moving forward.\n\nChannel 1: Yeah.\n\nChannel 0: But yesterday, we didn't see too much of a dip. We were actually really surprised and really happy with how the market's reacted so far. So yeah. Yeah.\n\nChannel 1: Well, it's hard to say it that way.\n\nChannel 0: We hope so. Greg, if you just sort of drop down to page number 22 there for me, the next page down does have your fee comparison. So,\n\nChannel 1: Okay.\n\nChannel 0: essentially,\n\nChannel 1: Yeah.\n\nChannel 0: once we sort of move everything back into your accumulation account and we do complete the rebalance there for you, we\n\nChannel 1: Mhmm.\n\nChannel 0: do expect the CGT consequences for the rebalance. Essentially, when\n\nChannel 1: Yep.\n\nChannel 0: I went through, just by making that rebalance there and removing those investments that we wanna remove, we do expect those CGT consequences to be $711,\n\nChannel 1: Yes.\n\nChannel 0: which will be paid for from your fund.\n\nChannel 1: Yes.\n\nChannel 0: And given you'll see the three year rolling average with the updated changes\n\nChannel 1: Yes.\n\nChannel 0: actually shows you in a better position by making\n\nChannel 1: Yes.\n\nChannel 0: these changes as well. So the performance of the investments that you will have has shown greater performance over the past three years compared to where you are currently. So\n\nChannel 1: Yes.\n\nChannel 0: we can make that CGT back nice and quick there for you.\n\nChannel 1: Yes.\n\nChannel 0: And it also actually saves you in fees. So when I sorta had a look at things whilst you are drawing some of the money out by making these changes to the investments there, we expect you for the first year for you to save about $50 in administration fees and about\n\nChannel 1: Yep.\n\nChannel 0: a $174 in investment fees there as well.\n\nChannel 1: Perfect.\n\nChannel 0: So it's providing a greater performance for you, but also a lower cost in fees, which is important for getting that money growing again. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: The underneath that, you do sort of see the projection\n\nChannel 1: Perfect.\n\nChannel 0: table. So because we are taking some money out of you, we'll still have the growth of lower fees, and you are making contributions there. There is an ongoing effect to your retirement\n\nChannel 1: Yes.\n\nChannel 0: figure. So we do have the projection currently, but then the projection once that withdrawal's been completed\n\nChannel 1: Yep. Yep.\n\nChannel 0: and with the investment switch. And it does show it would be a negative of six\n\nChannel 1: It's\n\nChannel 0: thousand\n\nChannel 1: just\n\nChannel 0: compared\n\nChannel 1: starting.\n\nChannel 0: to where you are now.\n\nChannel 1: Yep.\n\nChannel 0: But considering you're taking $11,000 out, that's not too bad a difference. So\n\nChannel 1: Yeah. Exactly. I'm looking at the end of\n\nChannel 0: yeah.\n\nChannel 1: the day if I want to, I could just go on to HUD twenty four and deposit straight into it anyway if I wanted to go through\n\nChannel 0: Yeah.\n\nChannel 1: it that way.\n\nChannel 0: If\n\nChannel 1: Yeah.\n\nChannel 0: you do\n\nChannel 1: So\n\nChannel 0: wanna put more money in, give me a call. We'll have a\n\nChannel 1: yeah.\n\nChannel 0: chat about it, and I'll work\n\nChannel 1: Yeah.\n\nChannel 0: out the best way for it to work for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Beautiful.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Okay. Beautiful.\n\nChannel 0: But the other thing to sorta consider is when you get to age 67, when you are closer to that point,\n\nChannel 1: Yep.\n\nChannel 0: I'll help you with the advice document. We'll look at how much you have in super then, how you\n\nChannel 1: Yep.\n\nChannel 0: can draw that down, and we'll\n\nChannel 1: Yep.\n\nChannel 0: also factor in Stantelink and and whatever else we can possibly get to make sure your super provides as much longevity as possible\n\nChannel 1: Yep.\n\nChannel 0: for you.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Okay.\n\nChannel 1: Perfect. Yeah. Perfect.\n\nChannel 0: Excellent. All good.\n\nChannel 1: Okay.\n\nChannel 0: Other than that, there's no ongoing no upfront fees for the advice at all. You're already an ongoing client for paying the 1.65%. That\n\nChannel 1: Yep.\n\nChannel 0: entitles\n\nChannel 1: Yep.\n\nChannel 0: you to ongoing advice. There's no additional fees for providing the advice here for you. So if you are comfortable, essentially, you'll just get you to sign up and return it back. As I mentioned, implementation will be pretty easy. We'll open up the pension account, complete the withdrawal for you, then close it off\n\nChannel 1: Yep.\n\nChannel 0: and roll everything back to accumulation, and then do the investment switch for you.\n\nChannel 1: So\n\nChannel 0: Okay?\n\nChannel 1: what do I where do I start? What does it say? Text or do I hit click to start?\n\nChannel 0: If you go press start, and then it should take you down to page number 29.\n\nChannel 1: Which it has please signed below in that little signature box.\n\nChannel 0: That's the one. Yeah. You should be able to click on it, and it should give you a signature, or you can use your finger to type however you prefer.\n\nChannel 1: Is it? Capital do I like that\n\nChannel 0: Mhmm.\n\nChannel 1: signature.\n\nChannel 0: Beautiful. I'm sure it's lovely.\n\nChannel 1: And and today. Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: And then I go to what do I do now? Next.\n\nChannel 0: So once you've done that, press next, and it should take you back.\n\nChannel 1: It says filling the text box. What's it once there?\n\nChannel 0: Oh, okay. That is just an ex just put NA. That's essentially just an extra box in case you decide you wanna change any of the advice or not take on any of the advice. You can just put NA, and it'll let it'll let you continue through. Yeah.\n\nChannel 1: And I done.\n\nChannel 0: Perfect. And then it should take you through, and it should tell you it's confirmed or finished.\n\nChannel 1: Validate and send complete the document. Loading loading loading. Yeah. I should probably be slow on my end. Your end was really quick.\n\nMine's fine.\n\nChannel 0: Yep.\n\nChannel 1: Go\n\nChannel 0: That's\n\nChannel 1: on.\n\nChannel 0: okay.\n\nChannel 1: We will get the front. That's it.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: okay. Thank you so much for that. Attached to the email, which you will have there as well, we do have the financial services guide, all the PDF documents related\n\nChannel 1: Yep.\n\nChannel 0: to the products that we make recommendations on. So\n\nChannel 1: Yep.\n\nChannel 0: if you did wanna have a view of those, feel free. If you have any questions, let me know.\n\nChannel 1: Yep.\n\nChannel 0: But I'll once that comes back and confirms to me, I'll get the let the team know, and we'll organize that withdrawal to be processed and the advice to be implemented for you.\n\nChannel 1: Fantastic.\n\nChannel 0: Okay.\n\nChannel 1: So if I wait about a week and a half, it should be in my account.\n\nChannel 0: Yeah. Yeah. Definitely. I'll let the team know that it's quite time sensitive, and we\n\nChannel 1: Yep.\n\nChannel 0: need to get it completed as quickly as possible for you. So it takes about a week for\n\nChannel 1: Yep.\n\nChannel 0: the TTR\n\nChannel 1: Yep.\n\nChannel 0: account to be opened.\n\nChannel 1: Yep.\n\nChannel 0: Once that's opened, the withdrawal should only take a couple of days to be completed. Okay?\n\nChannel 1: Excellent. Thank you thank you so much, Dana. I really\n\nChannel 0: Oh,\n\nChannel 1: appreciate\n\nChannel 0: that's\n\nChannel 1: everything\n\nChannel 0: okay.\n\nChannel 1: you've done and\n\nChannel 0: Not\n\nChannel 1: made\n\nChannel 0: a problem\n\nChannel 1: it sound\n\nChannel 0: at\n\nChannel 1: really\n\nChannel 0: all.\n\nChannel 1: simple, which is even\n\nChannel 0: Oh,\n\nChannel 1: better.\n\nChannel 0: thank you.\n\nChannel 1: But\n\nChannel 0: It honestly\n\nChannel 1: but\n\nChannel 0: isn't that hard.\n\nChannel 1: no. It's not. No. It's not when you think about it. I haven't\n\nChannel 0: I\n\nChannel 1: come\n\nChannel 0: said\n\nChannel 1: and\n\nChannel 0: my\n\nChannel 1: go through. It's much easier.\n\nChannel 0: absolutely. No. Perfect. Well, thank you so much. If you have any questions or concerns, feel free to let me know.\n\nI'm always here and always happy to make time for you, Craig. Okay?\n\nChannel 1: No worries. Thank you so much. You have a great night.\n\nChannel 0: My pleasure.\n\nChannel 1: Okay.\n\nChannel 0: You too. Thank\n\nChannel 1: Bye.\n\nChannel 0: you. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.02850249595940113}],"sentiment":"neutral","sentiment_score":0.02850249595940113,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi, Craig.","start":5.12,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.12188838422298431},{"text":"It's Dana from Yankee Financial.","start":5.7599998,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.17329570055007934},{"text":"How are you this 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later.","start":1135.6469,"end":1136.4469,"sentiment":"positive","sentiment_score":0.4342707892258962}],"sentiment":"positive","sentiment_score":0.4361666366457939,"channel":0,"num_words":4,"start":1135.3269,"end":1136.4469},{"sentences":[{"text":"Bye.","start":1136.2369,"end":1136.7369,"sentiment":"neutral","sentiment_score":0.19824981689453125}],"sentiment":"neutral","sentiment_score":0.19824981689453125,"channel":1,"num_words":1,"start":1136.2369,"end":1136.7369},{"sentences":[{"text":"Bye.","start":1136.4469,"end":1136.9469,"sentiment":"neutral","sentiment_score":0.15298102796077728}],"sentiment":"neutral","sentiment_score":0.15298102796077728,"channel":0,"num_words":1,"start":1136.4469,"end":1136.9469},{"sentences":[{"text":"Bye.","start":1136.877,"end":1137.377,"sentiment":"neutral","sentiment_score":-0.12022878229618073}],"sentiment":"neutral","sentiment_score":-0.12022878229618073,"channel":1,"num_words":1,"start":1136.877,"end":1137.377}]},"summary":{"result":"success","short":"During a call with Craig from Yankee Financial, Dana confirms his personal information and sends an updated advice document. She guides him through signing and updating the advice document, including the retirement pension account and drawdown. The retirement retirement pension account is set up with a 10% deposit and the drawdown is made to Craig's bank account. The speaker explains the retirement process and retirement savings, and provides guidance on the investment switch and portfolio growth while emphasizing the stability of the retirement portfolio and reducing risk levels. The speaker also discusses the negative effects of retirement age and the potential negative effects of the retirement age on financial services. The caller is advised to sign up and return the advice and receive financial services guide and PDF documents."},"intents":{"segments":[{"text":"And just a bit of security there as well, I'm discussing your personal information. So we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file there for Yep. you.","start_word":93,"end_word":135,"intents":[{"intent":"Provide security","confidence_score":0.11175583}]},{"text":"Now do you happen to have access to emails at the moment?","start_word":174,"end_word":185,"intents":[{"intent":"Confirm password","confidence_score":0.0035240203}]},{"text":"I'm just gonna send through the advice document to you there. I've got your email address as manton_92@yahoo.com. Is that still correct? That's correct.","start_word":197,"end_word":220,"intents":[{"intent":"Send advice document","confidence_score":0.33587766},{"intent":"Send email","confidence_score":0.02376731}]},{"text":"I've got your email address as manton_92@yahoo.com. Is that still correct?","start_word":208,"end_word":218,"intents":[{"intent":"Provide email address","confidence_score":0.37880325},{"intent":"Verify email address","confidence_score":0.003975455}]},{"text":"then make new services guide version two. Is that the one? Or financial So that service? is if you click on the button that says sign the document, it'll let you go through to see the document, but you Yep. don't have to sign it straight away because I don't want Yep. you to sign anything you're not comfortable or have not read. Yep.","start_word":351,"end_word":414,"intents":[{"intent":"Guide documents","confidence_score":0.051325727}]},{"text":"The next page has the retirement side of things. So we're not scoping this in as of yet. It's more just about making sure that you're aware there are long term effects of the advice that we do provide. So Yep.","start_word":646,"end_word":686,"intents":[{"intent":"Resolve retirement concerns","confidence_score":0.0035715895}]},{"text":"The 10% allows you to access $11,311, which is fantastic. Yep.","start_word":987,"end_word":997,"intents":[{"intent":"Express annoyance","confidence_score":0.00058414915}]},{"text":"And that is leaving the 10,000 behind plus the tax liability in your super account.","start_word":997,"end_word":1011,"intents":[{"intent":"Discuss tax liability","confidence_score":0.019835584}]},{"text":"about a week to process, Yep. and then we'll complete that drawdown to your bank account so you get the funds.","start_word":1057,"end_word":1077,"intents":[{"intent":"Prefer to process","confidence_score":6.796106e-7}]},{"text":"Will I have the same TTR account that I had last year, or will it be another another one? Absolutely.","start_word":1085,"end_word":1104,"intents":[{"intent":"Provide ttr account details","confidence_score":0.00037726705},{"intent":"Inquire about current account","confidence_score":0.0050259153},{"intent":"Discuss tr account","confidence_score":0.00006831797}]},{"text":"Like, a new It'll one? yeah. It'll be a different one. So Yeah. because we Yeah. closed the one last year and Yep. rolled everything back into super, we open Yep. up a brand new account Okay.","start_word":1105,"end_word":1141,"intents":[{"intent":"Explain new account","confidence_score":0.002684261}]},{"text":"closed the one last year and Yep. rolled everything back into super, we open Yep. up a brand new account Okay.","start_word":1121,"end_word":1141,"intents":[{"intent":"Open new account","confidence_score":0.004342436}]},{"text":"I'm just having a quick look as well because we did have when we did your withdrawal last year, we would have got the bank account details. So I will Yep. make sure that the team have those on file before we Yep. process it.","start_word":1207,"end_word":1251,"intents":[{"intent":"Confirm bank account details","confidence_score":0.064013645}]},{"text":"I've got the Suncorp account here, and Yes. it's ending in 78. Yep. Yep. Perfect. Lovely. Excellent. Thank you so much. So I'll get let the team know we do have those details on file, and we'll make sure we use the same information there for you. Okay? Yep. Perfect.","start_word":1346,"end_word":1395,"intents":[{"intent":"Verify account information","confidence_score":0.0317686}]},{"text":"So we're taking and selling all of the Van Along. We'll Yes. be selling part of the battery and lithium tech, Yep. part of the bank oh, so all of the bank harbors as well. That's another one we wanna get rid of at the moment.","start_word":1941,"end_word":1986,"intents":[{"intent":"Sell assets","confidence_score":0.39731047}]},{"text":"once we sort of move everything back into your accumulation account and we do complete the rebalance there for you, we Mhmm. do expect the CGT consequences for the rebalance.","start_word":2582,"end_word":2611,"intents":[{"intent":"Rebalance portfolios","confidence_score":0.015681893}]},{"text":"I went through, just by making that rebalance there and removing those investments that we wanna remove, we do expect those CGT consequences to be $711, Yes.","start_word":2616,"end_word":2642,"intents":[{"intent":"Rebalance investments","confidence_score":0.5231243}]},{"text":"So the performance of the investments that you will have has shown greater performance over the past three years compared to where you are currently. So Yes.","start_word":2679,"end_word":2705,"intents":[{"intent":"Improve performance","confidence_score":0.050893456}]},{"text":"And it also actually saves you in fees. So when I sorta had a look at things whilst you are drawing some of the money out by making these changes to the investments there, we expect you for the first year for you to save about $50 in administration fees and about Yep. a $174 in investment fees there as well. Perfect.","start_word":2719,"end_word":2780,"intents":[{"intent":"Save fees","confidence_score":0.74548197}]},{"text":"There is an ongoing effect to your retirement Yes. figure.","start_word":2844,"end_word":2853,"intents":[{"intent":"Discuss retirement effect","confidence_score":0.008299806}]},{"text":"you do So wanna put more money in, give me a call. We'll have a yeah. chat about it, and I'll work Yeah.","start_word":2954,"end_word":2976,"intents":[{"intent":"Leave a call","confidence_score":0.0005556571}]},{"text":"out the best way for it to work for you. Okay. Okay?","start_word":2978,"end_word":2989,"intents":[{"intent":"Ensure super is suitable","confidence_score":0.0000079323645}]},{"text":"I'll help you with the advice document. We'll look at how much you have in super then, how you Yep. can draw that down, and we'll Yep. also factor in Stantelink and and whatever else we can possibly get to make sure your super provides as much longevity as possible Yep.","start_word":3016,"end_word":3066,"intents":[{"intent":"Assist with advice document","confidence_score":0.16610526},{"intent":"Provide guidance","confidence_score":0.0124079855}]},{"text":"I'll help you with the advice document. We'll look at how much you have in super then, how you Yep. can draw that down, and we'll Yep. also factor in Stantelink and and whatever else we can possibly get to make sure your super provides as much longevity as possible Yep. for you.","start_word":3016,"end_word":3068,"intents":[{"intent":"Explain benefits of advice","confidence_score":0.028154097}]},{"text":"also factor in Stantelink and and whatever else we can possibly get to make sure your super provides as much longevity as possible Yep.","start_word":3043,"end_word":3066,"intents":[{"intent":"Confirm longevity","confidence_score":0.020219391}]},{"text":"Perfect. Yeah. Perfect. Excellent. All good.","start_word":3072,"end_word":3077,"intents":[{"intent":"Confirm understanding","confidence_score":0.025179433},{"intent":"Confirm understanding","confidence_score":0.019933473}]},{"text":"If you go press start, and then it should take you down to page number 29. Which it has please signed below in that little signature box. That's the one.","start_word":3197,"end_word":3226,"intents":[{"intent":"Provide instructions","confidence_score":0.031108364}]},{"text":"Attached to the email, which you will have there as well, we do have the financial services guide, all the PDF documents related Yep. to the products that we make recommendations on. So Yep.","start_word":3423,"end_word":3456,"intents":[{"intent":"Integrate advice and recommendations","confidence_score":0.00017471155}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Craig. It's Dana from Yankee Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1648205816745758},{"text":"Good. Thanks. How are you doing now? I'm very well. Thank you. I had you booked in just to run through the updated advice document. Is now a good time there for Yep.","start_word":13,"end_word":45,"sentiment":"positive","sentiment_score":0.42760586738586426},{"text":"Yep.","start_word":46,"end_word":46,"sentiment":"neutral","sentiment_score":0.1601686328649521},{"text":"Perfect.","start_word":47,"end_word":47,"sentiment":"positive","sentiment_score":0.43472999334335327},{"text":"I'll wait. I'll wait. I've been waiting for you?","start_word":48,"end_word":56,"sentiment":"neutral","sentiment_score":0.12919528782367706},{"text":"Oh, fantastic.","start_word":57,"end_word":58,"sentiment":"positive","sentiment_score":0.3618623614311218},{"text":"I had just have to double check. I'd we do record our calls for quality and training you. purposes. Yep. Are you happy for me to proceed with that? Yep. Certainly.","start_word":59,"end_word":89,"sentiment":"neutral","sentiment_score":0.17389485239982605},{"text":"That's cool. Lovely.","start_word":90,"end_word":92,"sentiment":"positive","sentiment_score":0.6042686700820923},{"text":"And just a bit of security there as well, I'm discussing your personal information. So we are very security conscious. I'll just get you to confirm your full name, date of birth, and address I should have on file there for Yep. you. Craig Douglas Manasa. Third of Yep. the fourth nineteen sixty four. Twenty eight Drysdale Avenue, Frankston, Victoria three one nine nine. Yep. Beautiful. Is that what you Thank wanted? you. Yep. Yeah. Yep. Perfect.","start_word":93,"end_word":169,"sentiment":"neutral","sentiment_score":0.10748332738876344},{"text":"Thank you so much.","start_word":170,"end_word":173,"sentiment":"positive","sentiment_score":0.4474789798259735},{"text":"Now do you happen to have access to emails at the moment? If you don't, Yep. that is okay. Yep. Yep. Yep. Perfect. I'm just gonna send through the advice document to you there. I've got your email address as manton_92@yahoo.com. Is that still correct? That's correct. Yeah. Yep. Perfect. Okay. This one's just heading directly to you there now.","start_word":174,"end_word":233,"sentiment":"neutral","sentiment_score":0.07072098553180695},{"text":"Perfect.","start_word":234,"end_word":234,"sentiment":"positive","sentiment_score":0.374220997095108},{"text":"Now, hopefully, the Internet locks us today, and it comes through fairly quickly for you. That way. Love I technology one that wants to work correctly. don't know.","start_word":235,"end_word":262,"sentiment":"neutral","sentiment_score":0.1959517002105713},{"text":"It's hilarious when it doesn't work.","start_word":263,"end_word":268,"sentiment":"negative","sentiment_score":-0.3748989999294281},{"text":"That's it. Let me get Dana. Yep. Got it. That's Statement the one. of advice. Yep.","start_word":269,"end_word":284,"sentiment":"neutral","sentiment_score":0.018820973113179207},{"text":"Beautiful. Thank you so much.","start_word":285,"end_word":289,"sentiment":"positive","sentiment_score":0.3872707486152649},{"text":"When you open the email there, it should take you directly to it. I think it does ask you if you wanna proceed through, and then it should show first document there, which would just say statement of advice prepared for yourself, Craig, Minh, as of the 03/03/2026. Okay. All that's come up, we sign document straight Yep. away and Okay. then make new services guide version two. Is that the one? Or financial So that service? is if you click on the button that says sign the document, it'll let you go through to see the document, but you Yep. don't have to sign it straight away because I don't want Yep. you to sign anything you're not comfortable or have not read. Yep. Okay. Okay. Bye. Yep.","start_word":290,"end_word":418,"sentiment":"neutral","sentiment_score":-0.001803514165009639},{"text":"Statement Perfect. of July. Beautiful.","start_word":419,"end_word":423,"sentiment":"positive","sentiment_score":0.3928107023239136},{"text":"03/03/2026. By yourself? Yep. My license number is 1304394, and Oakview Financial have an Australian Financial Services license number 513068 there. Okay? Yes. That's it.","start_word":424,"end_word":448,"sentiment":"neutral","sentiment_score":0.10266269743442535},{"text":"Perfect. Beautiful. As you are scrolling through the next couple of pages, it just lets you know that any advice we do provide is under the best interest, which is part of the corporations that's making sure that we're here to help you, achieve your goals.","start_word":449,"end_word":494,"sentiment":"positive","sentiment_score":0.35460662841796875},{"text":"Yep. And if you go down to page number three, you've got the scoping of the advice there. So we have scoping superannuation. We did wanna Yep. discuss looking at your investments. There are a couple that we needed to make some changes to to make sure you are working Yep. and on track towards being able to access super, hopefully, at age 67 there for you. Yep. Sorry. And the Yep. main you're at the main Yep. goal for this advice is that you wanted to access 10% of the funds there. You've recently purchased a new vehicle and wanted to keep a buffer Yep. in your bank account there as a bit of a safety net. So we were looking to access the 10% under the transition to retirement strategy so you're able to access some of those funds from super. Okay? Yep. Then Yep. Got that.","start_word":495,"end_word":643,"sentiment":"neutral","sentiment_score":0.07539241760969162},{"text":"Perfect. excellent.","start_word":644,"end_word":645,"sentiment":"positive","sentiment_score":0.799477219581604},{"text":"The next page has the retirement side of things. So we're not scoping this in as of yet. It's more just about making sure that you're aware there are long term effects of the advice that we do provide. So Yep. because you do need that 10%, I wanted to make sure I'm being honest and open and providing you the long term effects that we have illustrated what the retirement looks like based on this recommendation, but we're here to help you moving forward as well. Okay? Yep. Yep. And we've just got out the retirement so the estate planning side of things. So you're comfortable with your your beneficiary on file. Your partner is known as your Yep. beneficiary, and that was where you were comfortable with. You and I can review this moving forward as well. Yep. Okay? Yep. Yep. Michael.","start_word":646,"end_word":789,"sentiment":"neutral","sentiment_score":0.16480185091495514},{"text":"Perfect. All good.","start_word":790,"end_word":792,"sentiment":"positive","sentiment_score":0.5254586338996887},{"text":"Moving forward through as you do go through, you will see on page number eight that just the assets and liabilities we had noted there for you. We just have your two vehicles there. No current Yep. debts to be worried about. Yep. And we've got your superannuation balance noted there. So as of the date we did the document, it was a Yep. 126,112, which is a bit up from where we were, which is fantastic. Uh-huh. If you scroll down to page number 11 Yep. for me 11 perfect. 7 where are we? 891011. Okay. Strategy recommendation. Strategy recommendations? That's the Yep. one.","start_word":793,"end_word":897,"sentiment":"neutral","sentiment_score":0.14985740184783936},{"text":"Beautiful.","start_word":898,"end_word":898,"sentiment":"positive","sentiment_score":0.4239771962165833},{"text":"Now this is just outlining here that so you can access that 10% there. We are commencing a transition retirement pension account for you with the with the balance of 101,090. Sorry. Yep. Actually, no. I do apologize. I got that wrong. It's actually a 113,000 because Thousand. we are actually also including the drawdown there. So Yes. the TTR will be open with about a 113,000 there, $1.42. Essentially, once that is open with a 113,000, then we will draw down the the amount for you.","start_word":899,"end_word":985,"sentiment":"neutral","sentiment_score":0.04869736731052399},{"text":"The 10% allows you to access $11,311, which is fantastic. Yep. And that is leaving the 10,000 behind plus the tax liability in your super account.","start_word":986,"end_word":1011,"sentiment":"positive","sentiment_score":0.5606057047843933},{"text":"So that'll Yep. be 13,000 left in accumulation. That's Once right.","start_word":1012,"end_word":1022,"sentiment":"neutral","sentiment_score":0.22749941051006317},{"text":"that drawdown has been made to you, and this is the first thing we'll do, so we'll open the pension account, move the money in over nice and quick for you.","start_word":1023,"end_word":1053,"sentiment":"positive","sentiment_score":0.3721674680709839},{"text":"It takes Yep. about a week to process, Yep. and then we'll complete that drawdown to your bank account so you get the funds. Now can I ask you a question? Will I have the same TTR account that I had last year, or will it be another another one? Absolutely. Like, a new It'll one? yeah. It'll be a different one. So Yeah. because we Yeah. closed the one last year and Yep. rolled everything back into super, we open Yep. up a brand new account Okay. each time Cool. we open Yep. one. Okay. No. That Perfect. makes sense. When I when when I look on the when I have Yeah. to do tax, it comes up and shows all these different superannuation accounts and you think. Oh, Yeah. So yeah. it's just that XPathman does it, but that's fine. Yeah. Yeah. That's okay. That's not a Yep. problem at all. I'm just having a quick look as well because we did have when we did your withdrawal last year, we would have got the bank account details. So I will Yep. make sure that the team have those on file before we Yep. process it. Yeah. But I'm pretty sure the account details That are still gonna be on this application form. I'll just have a really quick look while I've got they you. haven't they haven't changed. Nope. That's okay.","start_word":1054,"end_word":1287,"sentiment":"neutral","sentiment_score":0.05689508840441704},{"text":"That's really good.","start_word":1288,"end_word":1290,"sentiment":"positive","sentiment_score":0.4833829402923584},{"text":"Sorry.","start_word":1291,"end_word":1291,"sentiment":"neutral","sentiment_score":-0.2111850380897522},{"text":"My computer's a tad bit slow.","start_word":1292,"end_word":1297,"sentiment":"negative","sentiment_score":-0.375503808259964},{"text":"There we go. Alright. So It should be Suncorp and ending in 5 381. Sorry. Two seconds. I've opened up one You're not. form. It doesn't have it there, but I've opened up the second one I have here, and it should be fine. There we go.","start_word":1298,"end_word":1344,"sentiment":"neutral","sentiment_score":-0.037926295494779626},{"text":"Perfect.","start_word":1345,"end_word":1345,"sentiment":"positive","sentiment_score":0.497878223657608},{"text":"I've got the Suncorp account here, and Yes. it's ending in 78. Yep. Yep.","start_word":1346,"end_word":1359,"sentiment":"neutral","sentiment_score":0.13735733926296234},{"text":"Perfect. Lovely. Excellent. Thank you so much. So I'll get let the team know we do have those details on file, and we'll make sure we use the same information there for you.","start_word":1360,"end_word":1392,"sentiment":"positive","sentiment_score":0.4466411769390106},{"text":"Okay? Yep.","start_word":1393,"end_word":1394,"sentiment":"neutral","sentiment_score":0.13908465206623075},{"text":"Perfect.","start_word":1395,"end_word":1395,"sentiment":"positive","sentiment_score":0.3412064015865326},{"text":"Lovely. Yep. I'll just hang So on. I'll just once check that bank. I'll yeah. just check that bank account. Yeah. It's Absolute. That's okay. I thought it We was wanna make sure we eight get this right for you one. and make it as Yeah. easy as possible. Plugging into my account. Okay. That's okay. Let's see. It's 484799 is the BSB and BSB. Yep. And Perfect. then then the account With the number is sorry. With Craig, just give me the is last three digits of the account number. Don't read the whole one out. We don't yep. wanna record the the number. That's all. Sorry. 781 This is 7 yours. 81. Oh, okay. I have a different number on here. That is okay. What I will do is after the call, I will when we get the yeah. What I'll do is I'm just gonna put the recording on hold for you. Are you okay Yes. if I grab those details now Yes. of you? Yes. Yep. That's still what I've got in front of me. Yep. Perfect. Yes. So I'm just gonna put the recording on hold. You should hear a beep or hear someone come on saying that the recording has ended. Might be one second. Yes. Was there a beep, or was there someone that said the recording had ended? Not just with like, you're pressing buttons. Okay.","start_word":1396,"end_word":1629,"sentiment":"neutral","sentiment_score":0.02398080474291092},{"text":"Perfect. Lovely.","start_word":1630,"end_word":1631,"sentiment":"positive","sentiment_score":0.48932287096977234},{"text":"So what's the number that you should have there, the account number? The account number is 0000 Yep. 53781. Okay.","start_word":1632,"end_word":1651,"sentiment":"neutral","sentiment_score":0.0534839853644371},{"text":"Perfect. Thank you so much for that.","start_word":1652,"end_word":1658,"sentiment":"positive","sentiment_score":0.5480688810348511},{"text":"No I worries. will make sure the team have that on file, and I'll destroy that as soon as I can. Okay? Yes. No worries. That's alright.","start_word":1659,"end_word":1685,"sentiment":"neutral","sentiment_score":-0.0011377388145774605},{"text":"Cool. Perfect. Lovely. Thank you so much for that.","start_word":1686,"end_word":1694,"sentiment":"positive","sentiment_score":0.5459439158439636},{"text":"Now I'm glad I checked. That didn't sound right. And I thought, I better that no. could sound better. That's okay. That's not a problem Yep. at all. I've just sent the recording back on for you now Yeah. there.","start_word":1695,"end_word":1734,"sentiment":"neutral","sentiment_score":0.07165570557117462},{"text":"Perfect. Thank you very much for that.","start_word":1735,"end_word":1741,"sentiment":"positive","sentiment_score":0.5146905183792114},{"text":"So just with the advice piece, you'll get that based on the current balance that we expect you to be able to receive the amount of the 11,000 sorry. My computer's there we go. 11311. So once that Yep. withdrawal has been completed, then we'll close off the pension account and roll the funds back to accumulation Thank there for you. you. So everything Yep. remains back in the one account invested correctly for you. Okay? Yes. Yep. Not Perfect. really. Now once that has been fully completed there, we will then in that do complete the investment switch for you. Yep. So to make it nice and easy, if you can scroll down for me to page number 20, this is gonna show you what we're doing. It has the heading investments, and you'll see a nice lovely table there. Hi. Investments. Yep. Okay. Yep. That's the one. So, essentially, with this, it shows you everything you do have in your fund at the moment. Now the one fund that we discussed that was underperforming quite heavily Mhmm. was Bennelong Australian Equities, Yep. and our investment committee wanted to get rid of that in everyone's account now. So we're taking and selling all of the Van Along. We'll Yes. be selling part of the battery and lithium tech, Yep. part of the bank oh, so all of the bank harbors as well. That's another one we wanna get rid of at the moment. Some Yep. of Yes. the physical, yeah, some of the Yep. physical gold, some s and p 500, and some of the Raffy. The reason we are selling some of those other investments is because we also wanna do a bit of a rebalance. Yep. So at the moment, you're not quite in line with your risk profile. So selling a part of all of those plus all the bank hybrids and all the BAN along Yep. allows us to have the money reinvested for you. Yeah. So Cool. we'll Cool. be purchasing into the beta shares Aussie 200, which is the one at the very bottom of the table, Yep. purchasing some more ClearBridge infrastructure income fund for you, Yeah. putting some more money into the core composite bonds, Yeah. and then also having some into the beta shares Australian high yield cash. And you will Yeah. retain a fair bit of gold there as well. So we're just sort of rebalancing the portfolio, removing Yeah. all Yeah. of the ban along, putting that into the beta shares Aussie 200, and Yep. also removing all of the bank hybrids there just because the government is about to phase those out. They're putting Yep. all of that into the core composite bonds instead for you. Yep. Does that make Perfect. sense? Yep. Yep. Makes sense. Yeah. Pretty pretty easy to follow. Red is Absolutely. taken away. Green is where you're adding it. So all That's good. exactly right. If you Yep. look down at the next page there for me, the next one, so this shows you the Yep. asset allocation of where you are, so where you should be once we complete the rebalance and the switch. Yep. I mean Yep. so existing ones? Yeah.","start_word":1742,"end_word":2281,"sentiment":"neutral","sentiment_score":0.06675004698336125},{"text":"You've actually got 69.3% growth there at the moment, so we're gonna reduce that down to 60%.","start_word":2282,"end_word":2298,"sentiment":"positive","sentiment_score":0.3930732011795044},{"text":"So we're reducing the risk level by reducing those growth investments there for Yes. you and then just bringing up the defensive investments to 40% from the 30.7.","start_word":2299,"end_word":2326,"sentiment":"neutral","sentiment_score":0.2442357242107391},{"text":"So you're invested back in line with where your comfort level is with your risk tolerance and making sure that we're keeping the portfolio growing in line with things for you.","start_word":2327,"end_word":2357,"sentiment":"positive","sentiment_score":0.4043956100940704},{"text":"Yep. Okay? Yep.","start_word":2358,"end_word":2360,"sentiment":"neutral","sentiment_score":0.22248801589012143},{"text":"Beautiful. Yeah. And I'm Perfect.","start_word":2361,"end_word":2365,"sentiment":"positive","sentiment_score":0.5557894110679626},{"text":"yeah. I'm expecting super to go down a little bit, especially with what's happening around the world. It's a hybrid. I'm sure it's gonna probably Yeah. go down a little bit. So Honestly, yesterday, we saw a little bit of volatility, but it wasn't yeah. too much. It was sort of as the markets opened yesterday, we were sort of looking at everything. We did see a little bit of a dip in some assets. So by the end of the day, it was basically back to where it was at the beginning of the day. So we don't sort of expect too much of a dip. We do expect a fair bit of volatility depending on how things go moving forward. But, realistically, the biggest sort of expectation is gonna be around oil prices and possibly mining stocks this year. So depending on what happens moving forward. Yeah. But yesterday, we didn't see too much of a dip.","start_word":2366,"end_word":2524,"sentiment":"neutral","sentiment_score":-0.021720999851822853},{"text":"We were actually really surprised and really happy with how the market's reacted so far.","start_word":2525,"end_word":2539,"sentiment":"positive","sentiment_score":0.4051641523838043},{"text":"So yeah. Yeah. Well, it's hard to say it that way. We hope so. Greg, if you just sort of drop down to page number 22 there for me, the next page down does have your fee comparison. So, Okay. essentially, Yeah. once we sort of move everything back into your accumulation account and we do complete the rebalance there for you, we Mhmm. do expect the CGT consequences for the rebalance. Essentially, when Yep. I went through, just by making that rebalance there and removing those investments that we wanna remove, we do expect those CGT consequences to be $711, Yes. which will be paid for from your fund. Yes. And given you'll see the three year rolling average with the updated changes Yes.","start_word":2540,"end_word":2664,"sentiment":"neutral","sentiment_score":0.06677443012595177},{"text":"actually shows you in a better position by making Yes. these changes as well. So the performance of the investments that you will have has shown greater performance over the past three years compared to where you are currently. So Yes. we can make that CGT back nice and quick there for you. Yes. And it also actually saves you in fees. So when I sorta had a look at things whilst you are drawing some of the money out by making these changes to the investments there, we expect you for the first year for you to save about $50 in administration fees and about Yep. a $174 in investment fees there as well. Perfect. So it's providing a greater performance for you, but also a lower cost in fees, which is important for getting that money growing again.","start_word":2665,"end_word":2804,"sentiment":"positive","sentiment_score":0.5192036628723145},{"text":"Okay? Mhmm. Yep. The underneath that, you do sort of see the projection Perfect. table. So because we are taking some money out of you, we'll still have the growth of lower fees, and you are making contributions there. There is an ongoing effect to your retirement Yes. figure. So we do have the projection currently, but then the projection once that withdrawal's been completed Yep. Yep. and with the investment switch. And it does show it would be a negative of six It's thousand just compared starting. to where you are now. Yep. But considering you're taking $11,000 out, that's not too bad a difference. So Yeah. Exactly. I'm looking at the end yeah. of the day if I want to, I could just go on to HUD twenty four and deposit straight into it anyway if I wanted to go through Yeah. it that way. If Yeah. you do So wanna put more money in, give me a call. We'll have a yeah. chat about it, and I'll work Yeah.","start_word":2805,"end_word":2976,"sentiment":"neutral","sentiment_score":0.07965412735939026},{"text":"out the best way for it to work for you.","start_word":2977,"end_word":2986,"sentiment":"positive","sentiment_score":0.45642173290252686},{"text":"Okay. Okay?","start_word":2987,"end_word":2988,"sentiment":"neutral","sentiment_score":0.21244153380393985},{"text":"Beautiful. Yep.","start_word":2989,"end_word":2990,"sentiment":"positive","sentiment_score":0.4722820222377777},{"text":"Yeah. Okay.","start_word":2991,"end_word":2992,"sentiment":"neutral","sentiment_score":0.28438252210617065},{"text":"Beautiful.","start_word":2993,"end_word":2993,"sentiment":"positive","sentiment_score":0.5389277935028076},{"text":"But the other thing to sorta consider is when you get to age 67, when you are closer to that point, Yep. I'll help you with the advice document. We'll look at how much you have in super then, how you Yep. can draw that down, and we'll Yep. also factor in Stantelink and and whatever else we can possibly get to make sure your super provides as much longevity as possible Yep. for you. Yep.","start_word":2994,"end_word":3069,"sentiment":"neutral","sentiment_score":0.07697344571352005},{"text":"Perfect. Okay. Perfect. Yeah. Perfect. Excellent. All good.","start_word":3070,"end_word":3077,"sentiment":"positive","sentiment_score":0.5655977129936218},{"text":"Okay. Other than that, there's no ongoing no upfront fees for the advice at all. You're already an ongoing client for paying the 1.65%. That Yep. entitles Yep. you to ongoing advice. There's no additional fees for providing the advice here for you. So if you are comfortable, essentially, you'll just get you to sign up and return it back. As I mentioned, implementation will be pretty easy. We'll open up the pension account, complete the withdrawal for you, then close it off Yep. and roll everything back to accumulation, and then do the investment switch for you. So Okay? what do I where do I start? What does it say? Text or do I hit click to start? If you go press start, and then it should take you down to page number 29. Which it has please signed below in that little signature box. That's the one. Yeah. You should be able to click on it, and it should give you a signature, or you can use your finger to type however you prefer. Is it? Capital do I like that Mhmm. signature.","start_word":3078,"end_word":3262,"sentiment":"neutral","sentiment_score":0.14191147685050964},{"text":"Beautiful. I'm sure it's lovely.","start_word":3263,"end_word":3267,"sentiment":"positive","sentiment_score":0.5404219627380371},{"text":"And and today. Yep. Yep. Perfect. And then I go to what do I do now? Next. So once you've done that, press next, and it should take you back. It says filling the text box. What's it once there? Oh, okay. That is just an ex just put NA. That's essentially just an extra box in case you decide you wanna change any of the advice or not take on any of the advice. You can just put NA, and it'll let it'll let you continue through. Yeah. And I done.","start_word":3268,"end_word":3359,"sentiment":"neutral","sentiment_score":0.043896938431198185},{"text":"Perfect. And then it should take you through, and it should tell you it's confirmed or finished.","start_word":3360,"end_word":3376,"sentiment":"positive","sentiment_score":0.5015345811843872},{"text":"Validate and send complete the document. Loading loading loading. Yeah. I should probably be slow on my end. Your end was really quick. Mine's fine. Yep. Go That's on. okay. We will get the front. That's it. That's Yep. okay.","start_word":3377,"end_word":3416,"sentiment":"neutral","sentiment_score":0.06928706914186478},{"text":"Thank you so much for that.","start_word":3417,"end_word":3422,"sentiment":"positive","sentiment_score":0.6549205183982849},{"text":"Attached to the email, which you will have there as well, we do have the financial services guide, all the PDF documents related Yep. to the products that we make recommendations on. So Yep. if you did wanna have a view of those, feel free. If you have any questions, let me know. Yep. But I'll once that comes back and confirms to me, I'll get the let the team know, and we'll organize that withdrawal to be processed and the advice to be implemented for you.","start_word":3423,"end_word":3509,"sentiment":"neutral","sentiment_score":0.2091069370508194},{"text":"Fantastic.","start_word":3510,"end_word":3510,"sentiment":"positive","sentiment_score":0.4945437610149383},{"text":"Okay. So if I wait about a week and a half, it should be in my account. Yeah. Yeah. Definitely. I'll let the team know that it's quite time sensitive, and we Yep. need to get it completed as quickly as possible for you. So it takes about a week for Yep. the TTR Yep. account to be opened. Yep. Once that's opened, the withdrawal should only take a couple of days to be completed. Okay?","start_word":3511,"end_word":3586,"sentiment":"neutral","sentiment_score":0.12871593236923218},{"text":"Excellent. Thank you thank you so much, Dana. I really Oh, appreciate that's everything okay.","start_word":3587,"end_word":3601,"sentiment":"positive","sentiment_score":0.4851970076560974},{"text":"you've done and Not made a problem it sound at really all. simple, which is even Oh, better. thank you. But It honestly but isn't that hard. no. It's not. No. It's not when you think about it. I haven't I come said and my go through.","start_word":3602,"end_word":3648,"sentiment":"neutral","sentiment_score":-0.0045009395107626915},{"text":"It's much easier. absolutely.","start_word":3649,"end_word":3652,"sentiment":"positive","sentiment_score":0.5482012033462524},{"text":"No.","start_word":3653,"end_word":3653,"sentiment":"neutral","sentiment_score":0.11424876004457474},{"text":"Perfect. Well, thank you so much.","start_word":3654,"end_word":3659,"sentiment":"positive","sentiment_score":0.6979013681411743},{"text":"If you have any questions or concerns, feel free to let me know.","start_word":3660,"end_word":3672,"sentiment":"neutral","sentiment_score":0.3099977672100067},{"text":"I'm always here and always happy to make time for you, Craig.","start_word":3673,"end_word":3684,"sentiment":"positive","sentiment_score":0.6010611057281494},{"text":"Okay?","start_word":3685,"end_word":3685,"sentiment":"neutral","sentiment_score":0.26536044478416443},{"text":"No worries. Thank you so much. You have a great night. My pleasure. Okay. You too. Thank Bye. you. See you later.","start_word":3686,"end_word":3707,"sentiment":"positive","sentiment_score":0.6092280149459839},{"text":"Bye. Bye. Bye.","start_word":3708,"end_word":3710,"sentiment":"neutral","sentiment_score":0.16052842140197754}],"average":{"sentiment":"neutral","sentiment_score":0.13128221506043408}}}}