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Just giving you a call to go through an updated advice strategy, and I do appreciate you going through that QSuper research for us. Do you still have a bit of time for me? Amazing. So I'm gonna pop this through to your email. But just while I'm doing that, I just need to go through a quick security check with you. Now could I please confirm your date of birth and address, please? Sensational. And is your Yahoo email still okay for this document? Amazing. So I'll pop that through to you now. I'll let you know what's kind of coming because there's a few, like, research appendixes alongside it and some product documents from the providers, just some updates there for you. And because you've used our new system before, this should go right through to your main inbox pretty quickly there. Will you better look onto the documents with me today? No worries. Now just while you go into the email, I just wanna let you know that I've gone through the updated research and comparisons there for your portfolio, the q super, and some contributions advice. And I've sort of limitedly factored in Albert's assets and super as well because now that you're kind of ten years off of that retirement age, we kind of wanna walk through what retirement actually looks like for you guys and give you a bit of an update on how that's looking in terms of projections. K. So just let me know when you can see the the email there. And inside, when you hit sign now, it'll bring up the documents to review with me. And we just wanna go through a yeah. So when you hit that, it'll bring up the advice document to run through together. And you should see a lovely Gold Coast picture there or the beach. Alright. Can you see that okay? Is the writing quite clear? Beautiful. So with these advice documents, we always have our licensing details on the front just to let you know that we're obviously registered with ASIC and who you're speaking to. And if you go through to pages three and four, I just wanna kind of refresh you on the scope of this advice. There should be a scope of advice heading. Yep. So the main things here is we've got the q super and the hub 24. We were looking at doing a bit of movement of funds between the two accounts and just reviewing your portfolio because although it was performing well, there was a a couple of options there that were dragging their feet a little bit, and we were looking for some kind of low fee replacements if that rings a bell. K? Now one of the discussions you had with Kyle was in terms of just bumping up your contributions for the salary sacrifice. So I've factored in the five to the seven and a half percent. And as you might know, they've raised the cap for contributions this financial year as well, so you're well within the cap as well. One thing I would let you know as well because the the forms are a little bit funky for q super is most people I've seen that have filled in those forms, they put in your extra contributions as personal rather than salary sacrifice. And there's a little tiny box on the first or second page that says, if you would like to salary sacrifice pretax to speak to, like, payroll and things like that. So it may actually be worth skipping the form and actually talking to payroll possibly. Yeah. Lovely. So they've been a great help. That's great to hear. Yeah. Perfect. Perfect. Because one thing we don't want to happen is for them to be putting it through as nonconcessional rather than salary sacrifice, and then you've gotta do paperwork every year to try and claim it for your tax return. So I just wanted to kind of give you that heads up because I've seen it happening quite a lot lately, just as they go through EBA agreement updates for all the different public sectors as well. Alrighty. So yeah. And is that how often you get paid? Yeah. That's perfect too because it means more regular contributions kind of smooth out through the year, and more regular buys just means that you're not at the mercy of, you know, big contribution goes in and the stock market crashes. Right? Now in terms of what's not being considered in this document is we've just done a few reminders in terms of estate planning about beneficiaries' wills and powers of attorney. But in terms of insurances, we were just trying to keep in place what you had with q super for the time being. In terms of cash flow and debt management, we've got your focus on obviously paying down debts and building up your savings and so on, bit of travel. So we're obviously not giving you recommendations on that in this document. It's just to note what your goals are and keep track of them with you. Yep. Amazing. Help. Yep. And I've got retirement still set at the moment to 67, and I realized that we've kind of got Albert down to maybe hang up the boots in eight years, maybe yourself in ten years. So I'm just as we get closer and closer along, we're just factoring in and updating projections for when you guys time the retirement. Yep. Yeah. Be much nicer to just both be on the same trips and bit easier for planning flights and the like, I imagine. Yeah. I can imagine. I can imagine. Yep. Okay. And then back this week or back next week? Oh, amazing. Okay. Nice relaxing time. Yeah. Absolutely. And I do appreciate you taking a bit of your morning to speak with me today. It's one of those things where if we just spend that half an hour going through a few things together, it lets us sort it out in the background for you, and I definitely do appreciate the time. Yes. Swung back up to full time. Alright. So that would mean that the details that I've got in this document on July, the about you section, that should be pretty up to date then because I've got you listed as full time in the nursing, 75,000. Assets was the two cars and the savings, and a personal loan. Yep. Perfect. Alright. Now if you can swing down to pages ten and eleven for me, it'll come up with a risk profile section. Ten and eleven. Just sometimes the Odoo system has a different page number than the document does by one, so either one will work. Yep. And we've still got you as balanced growth at the moment. No. So just bear in mind that's kind of that 3.5 out of five. It's that medium side of things. It's still focusing on growth with a nice healthy bit of protection. And then as you get closer and closer to retirement, we're pretty much going to have a discussion about when we reduce risk. Because at some point, we'll probably wanna get you into a bit more of a moderate or conservative position even if it's right up when you do actually retire just to make sure that, you know, a day before retirement, you're not losing a healthy chunk of super due to the markets. Okay? So balanced growth is what we're doing at the moment. And if you go down past there, there's a pretty word heavy section after that called strategy recommendations that I wanna kind of summarize with you. Alright. So what we're pretty much recommending is we're updating the investments inside Hub. Now we're replacing that one that was dragging its feet a little bit, but we're doing a full portfolio rebalance for you. In addition to that, we're recommending that you do the usual sweep across from q super into hub and still maintain that 10,000 for the insurances just up until the point when they become irrelevant. K? We're also recommending a little bit further down the salary sacrifice increase and just showing you the differences that we'll have. But if you can go through for me and scroll through, you will see some tables coming up for advantages and disadvantages. And that's all based on that updated research. So now that we got the rundown from q super nice and updated, we've got some new balances to work with, which is perfect. No. So once we get your consent from this document, we will action everything after that. K? We've also included in here that we can do yearly rollovers. So if you're comfortable with that, unless there's major changes to either fund, we can just do that sweep across each year for you without having to go through. Yeah. There was a bit of a with the legislation, we have to go through, I guess, the pros and cons of moving between the accounts quite regularly, especially if there's any product changes. So I've included in this document that we will do those regular ones so that we don't have to keep refreshing a 40 page document every time you wanna do a movement across. Yeah. That's perfect. Now yeah. We're navigating the old legislation changes at the moment, and I've just changed the anti money laundering laws. So updating identification regularly is pretty important too. So navigating all the fun stuff with all the budget, it's been a a good couple of months. Yeah. And it's getting worse every year at the moment. Now, Allison, one part I wanna walk you through as well. Can you see on that strategy page there, I've got in bold a paragraph heading best interest duty. So that's still on page 12. It's above the risks, but you can stay down there. I'll just kind of walk you through it. We'll go to the tables, actually. So if you go a bit further down, let's go to sixteen and seventeen together because it'll probably be easier with a visual here. And you'll see a big blue investment table. Okay. So we've included the q super at the top, which is the sweep across. You're in the lifetime focus group one, So that still pretty much aligns with the balanced growth risk profile. And what we've been recommending, if you go on the next page, you'll see all these different green and red figures for rebalancing your hub portfolio. Now the main thing here is that all of the options that are switching are pretty well, like, like for like switches. So if there's a conservative one, we're just updating it to a new conservative one that's a little bit better on fees and performance. The main one for you is just removing that Benelon concentrated shares, which was probably the only one that was performing poorly. And at the bottom of that table on the next page, you'll see beta shares Australia 200. Can you see that one there? It's like the second last row. So that's the replacement for the Benelong option because one of the conversations you have with Carl was going a little bit more, like, passive, low fee style of investment. So this one pretty much brings you from, like, a 0.9% fee to a 0.2. So it's a huge fee savings, and the performance over one three five in ten years is much, much better. And this kind of brings everything back into line with where we want it to be. So if you keep going a little bit further, you will see the pie chart for your asset allocation. Nice colorful chart there. Yep. And the main thing here is that full balance growth, you wanna be sitting at around about 70 to 75% in growth assets, which is that middle row in gray, just to let you know that we're still keeping everything pretty well in line with that risk level with all of the rebalances and options being switched out. It'll be the right amount of high risk, high return, and the right amount of safe assets, which is about a quarter. Now if you go just below that, you've got a fee comparison and a projection update for you, And this is where I wanted to walk you through the retirement outcome. So at the top, when we switch all of these options, because you're in hub, we have a bit more control under the hood with what we buy and sell and how that affects your super in terms of capital gains tax inside and under the hood. Now with all of the switches we're recommending, it only came out to be about $91 of tax inside the super. Normally, I would expect it to be about 800 to 2,000. So there wasn't very much there at all. On the right hand column, you'll see a difference about third row. Investment fee goes down $578. Now that is essentially a halving of your investment fees with Hub by going for these lower fee investments. The performance bumps it back up again. So for balance growth, you kinda wanna be getting a consistent seven to 8% average return. This brings you back from just under six to just under 10 over the last five years. Now that affects the projection. So currently, you were kind of aiming for a little over 300,000. With the salary sacrifice, the rollover, and the new investments, you're looking more about $4.22 over the next ten years conservatively. Now how that works for retirement is when you get to 67, let's just say 67 is today, we can put you into a pension account and start pulling out about five to 10% of your super. So what that will do is you will be able to healthily pull out between 400 and $800 a week or 800 to 1,600 a fortnight in terms of tax free income on top of anything that you get with the age pension as well. Now you March is '67. Perfect. So let's say you get this. Amazing. Okay. Well, I haven't factored in the long service leave into here, so that's a nice little bonus. Right. Okay. That'll be perfect timing then. And Albert around the same time? Yep. Health permitting? Yep. Well, perfect. That means that because he's got a little bit more super than you do, by that point, you guys should be able to pull out easily about 800 to $1,000 each from the super and get a little bit of a supplement from the age pension on top of that. So, realistically, I think combined, you guys will be on about $2,000 a week equivalent after tax to live on in retirement. Yep. Alrighty. So I'm basically saying we're on track as long as we can kind of, again, help meeting get through to that period with the right returns and the right contributions, you should be good. Worst case scenario, you know, if things go really bad in the world, we may have to work for an extra year or if health kind of causes you to retire a bit earlier, it just means that maybe the funds last a little bit less. So instead of depleting in age 94, they may run out of age 92 or something like that. But as you use the super funds, the pension will increase as well to sort of offset a big portion of that. Yeah. Exactly. So it all kind of compounds together pretty nicely. And in top of that, when we hit 60, we can do a transition to retirement strategy where you can access a portion of your super, pull it out, and kind of put it back in again for a tax deduction. And the differences in the taxes will actually boost up the super another few $100 a year as well. So there's a few other strategies we can do with you guys over the next three to five years. So that'll just kind of refine things a bit better and make it a bit more of a certainty rather than a probability. Okay? So that's the super recommendations after that in the document. It just updates you on what the salary sacrifice looks like because, obviously, if you salary sacrifice five to seven and a half percent of your income, that's not going to impact your take home pay by the full amount because it is using pretax dollars as long as the employer does that properly. K. Any questions on the recommendations so far? Okay. And in addition to that, the only part that I wasn't a 100% certain on was just in terms of the estate planning side of things because we've got the contributions roll over the investments. We've got you guys on the partnered fee discount with Oakview of 1.1%. The insurances are being kept in place. I just wanted to double check with you in terms of wills and the power of attorney. Was that something that you guys are actively pursuing to update? Yep. Perfect. Well and that's a big time. It's a big time. Yep. Yep. K. K. And I think in your state, there's even things like advanced health care directives. They kinda split that power of attorney into financial and medical as well as the will. So there's a few little things there. And, look, I'm not gonna say, hey. Go to the post office and get a $25 kit from those posts. Maybe worth sitting down with someone or even, you know, the trustee at the courthouse and so on. But if you guys are yeah. It's gotta be certified and witnessed and everything properly anyway. Yeah. Yep. Who can act on your behalf, talk to the doctors without too much delay? Yes. Absolutely. So I know. Even look. Even maternity care when people have babies, I've know I've seen and heard quite a few horror stories I can imagine when it comes to elderly and aged care. They're not always the nicest. So if that's something that you already understand the importance of, I'll just include that reminder to check up next time we speak and see how you went with it. Yeah. I can imagine. It'll be very, very good to get to a point soon where you're self contained, where you've got all the documents in place, you've got all your accounts set up ready to go, and then you don't have to worry too much about relying on all these other systems and people and the influence that they can have. Because the nicest thing that we like to do is when people get to that pension age and we set up their pension account and, oh, look. We need to pull out 15,000 to go on our holiday. Here you go. Pops out with that regular income, and then we get to see the photos when they come back. Client sending us photos from overseas is always nice. And, look, we're not too far off there, but we've got a pretty important ten years to get you guys as much as we can. Cool. Alison, does everything make sense so far? Do you like the plan that we've come up with? Perfect. So the only caveat I'll give is that, look, once this is signed, we can basically hop on, move the investments around, do the rollovers, and all that kind of thing. I would just, again, proceed with caution with that payroll and the forms just to make sure they are doing pretax salary sacrifice. Otherwise, we can help with the forms, but it would be nice for them to have that set up properly. Yeah. Yeah. And, look, if there's any questions or confusion on their end, you can just give us a call, send us an email. We'd be happy to send you guys an email with extra explanations or answer any questions you might have just to make sure it's done properly. So please feel free if anything seems a bit amiss just to give us a buzz. Awesome. Alright. I will leave this one with you today, and I will check when we've got Albert booked in. But what I'm basically gonna do from here is just kind of keep factoring both of you guys and your super in as, like, a bit of a joint retirement goal as we get closer and closer to the date. Even though there's a couple of different years between you guys, I just wanna make sure that we're factoring it all in because Centrelink will become important as well for pension assets tests and things like that. K. Just gonna have a quick look at Albert's account here. Yeah. So I'll touch base with the team and see if he I think he might actually be due for his review as well, but I'll have a little bit of a look in and reach out to him. Yeah. So when you do that, it will bring you down to the section to sign, which is the authority to proceed. It will stamp a signature, name, and date on there. And if you wanna draw the signature like your license, you can click on it and do so. It's not a requirement for us. And then it'll pretty much have once you've signed everything, it'll have a validate button. But first, I believe you do actually have to skip through the documents. So rather than scrolling through all 2,000 pages, there'll be those purple buttons, and they will bring you first to the sign section. And then second, they will just say next document, next document. And I think there's about four product documents to kind of skip through. Once you've gotten to the last document, it'll ask you to validate and give you an offer to save a signed copy for your own records. And I must warn as well, sometimes depending on your Internet connection, when you get to that last validate button, it may actually have a little spinning circle loading for a little bit of time. Sometimes it's a few seconds. Sometimes it's a it's a minute. So just let me know how you go there. Yep. Doing its fun thing. And, Allison, just while that's loading there, do you have a preference in terms of contact frequency? Do you want me to just kind of pencil in for your next annual review, or do you want me to just make sure we touch base every three to six months? What would be the preference for you guys? Yep. Yeah. No. That's fair enough. So a bit of a we'll always do, like, a a quick call attempt. But if you just, you know, hang up on that, we'll send you a text. I think, yeah, I think we've got you set up for a bit of a a conversation towards Christmas time. So before the year ends, we'll touch base again, and then we'll go through a bit more in-depth again end of financial near next year as well. Alright. That's come through signed, Allison. I don't know if that's loaded on your side. Perfect. Alright. Amazing. Is there anything else I can do for you before I let you enjoy the rest of your holiday? Perfect. Well, like I said, we'll jump on to that this week, get the investments moved around. Rollovers will probably happen. I know QSuper is just a bit of a lag at the moment within the financial year. So hopefully next week or the week after, and then just keep an ear out. We'll touch base with you guys towards the end of the year and see how you went with, obviously, the wheels and everything and and to see how the new portfolio is tracking as well. Amazing, Allison. Thank you so much for your time, and I'll talk to you again soon. Thank you. 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morning, Allison. It's Tommy here, senior adviser from Oakview. How are you doing? Just giving you a call to go through an updated advice strategy, and I do appreciate you going through that QSuper research for us. Do you still have a bit of time for me?\n\nAmazing. So I'm gonna pop this through to your email. But just while I'm doing that, I just need to go through a quick security check with you. Now could I please confirm your date of birth and address, please? Sensational.\n\nAnd is your Yahoo email still okay for this document? Amazing. So I'll pop that through to you now. I'll let you know what's kind of coming because there's a few, like, research appendixes alongside it and some product documents from the providers, just some updates there for you. And because you've used our new system before, this should go right through to your main inbox pretty quickly there.\n\nWill you better look onto the documents with me today? No worries. Now just while you go into the email, I just wanna let you know that I've gone through the updated research and comparisons there for your portfolio, the q super, and some contributions advice. And I've sort of limitedly factored in Albert's assets and super as well because now that you're kind of ten years off of that retirement age, we kind of wanna walk through what retirement actually looks like for you guys and give you a bit of an update on how that's looking in terms of projections. K.\n\nSo just let me know when you can see the the email there. And inside, when you hit sign now, it'll bring up the documents to review with me. And we just wanna go through a yeah. So when you hit that, it'll bring up the advice document to run through together. And you should see a lovely Gold Coast picture there or the beach.\n\nAlright. Can you see that okay? Is the writing quite clear? Beautiful. So with these advice documents, we always have our licensing details on the front just to let you know that we're obviously registered with ASIC and who you're speaking to.\n\nAnd if you go through to pages three and four, I just wanna kind of refresh you on the scope of this advice. There should be a scope of advice heading. Yep. So the main things here is we've got the q super and the hub 24. We were looking at doing a bit of movement of funds between the two accounts and just reviewing your portfolio because although it was performing well, there was a a couple of options there that were dragging their feet a little bit, and we were looking for some kind of low fee replacements if that rings a bell.\n\nK? Now one of the discussions you had with Kyle was in terms of just bumping up your contributions for the salary sacrifice. So I've factored in the five to the seven and a half percent. And as you might know, they've raised the cap for contributions this financial year as well, so you're well within the cap as well. One thing I would let you know as well because the the forms are a little bit funky for q super is most people I've seen that have filled in those forms, they put in your extra contributions as personal rather than salary sacrifice.\n\nAnd there's a little tiny box on the first or second page that says, if you would like to salary sacrifice pretax to speak to, like, payroll and things like that. So it may actually be worth skipping the form and actually talking to payroll possibly. Yeah. Lovely. So they've been a great help.\n\nThat's great to hear. Yeah. Perfect. Perfect. Because one thing we don't want to happen is for them to be putting it through as nonconcessional rather than salary sacrifice, and then you've gotta do paperwork every year to try and claim it for your tax return.\n\nSo I just wanted to kind of give you that heads up because I've seen it happening quite a lot lately, just as they go through EBA agreement updates for all the different public sectors as well. Alrighty. So yeah. And is that how often you get paid? Yeah.\n\nThat's perfect too because it means more regular contributions kind of smooth out through the year, and more regular buys just means that you're not at the mercy of, you know, big contribution goes in and the stock market crashes. Right? Now in terms of what's not being considered in this document is we've just done a few reminders in terms of estate planning about beneficiaries' wills and powers of attorney. But in terms of insurances, we were just trying to keep in place what you had with q super for the time being. In terms of cash flow and debt management, we've got your focus on obviously paying down debts and building up your savings and so on, bit of travel.\n\nSo we're obviously not giving you recommendations on that in this document. It's just to note what your goals are and keep track of them with you. Yep. Amazing. Help.\n\nYep. And I've got retirement still set at the moment to 67, and I realized that we've kind of got Albert down to maybe hang up the boots in eight years, maybe yourself in ten years. So I'm just as we get closer and closer along, we're just factoring in and updating projections for when you guys time the retirement. Yep. Yeah.\n\nBe much nicer to just both be on the same trips and bit easier for planning flights and the like, I imagine. Yeah. I can imagine. I can imagine. Yep.\n\nOkay. And then back this week or back next week? Oh, amazing. Okay. Nice relaxing time.\n\nYeah. Absolutely. And I do appreciate you taking a bit of your morning to speak with me today. It's one of those things where if we just spend that half an hour going through a few things together, it lets us sort it out in the background for you, and I definitely do appreciate the time. Yes.\n\nSwung back up to full time. Alright. So that would mean that the details that I've got in this document on July, the about you section, that should be pretty up to date then because I've got you listed as full time in the nursing, 75,000. Assets was the two cars and the savings, and a personal loan. Yep.\n\nPerfect. Alright. Now if you can swing down to pages ten and eleven for me, it'll come up with a risk profile section. Ten and eleven. Just sometimes the Odoo system has a different page number than the document does by one, so either one will work.\n\nYep. And we've still got you as balanced growth at the moment. No. So just bear in mind that's kind of that 3.5 out of five. It's that medium side of things.\n\nIt's still focusing on growth with a nice healthy bit of protection. And then as you get closer and closer to retirement, we're pretty much going to have a discussion about when we reduce risk. Because at some point, we'll probably wanna get you into a bit more of a moderate or conservative position even if it's right up when you do actually retire just to make sure that, you know, a day before retirement, you're not losing a healthy chunk of super due to the markets. Okay? So balanced growth is what we're doing at the moment.\n\nAnd if you go down past there, there's a pretty word heavy section after that called strategy recommendations that I wanna kind of summarize with you. Alright. So what we're pretty much recommending is we're updating the investments inside Hub. Now we're replacing that one that was dragging its feet a little bit, but we're doing a full portfolio rebalance for you. In addition to that, we're recommending that you do the usual sweep across from q super into hub and still maintain that 10,000 for the insurances just up until the point when they become irrelevant.\n\nK? We're also recommending a little bit further down the salary sacrifice increase and just showing you the differences that we'll have. But if you can go through for me and scroll through, you will see some tables coming up for advantages and disadvantages. And that's all based on that updated research. So now that we got the rundown from q super nice and updated, we've got some new balances to work with, which is perfect.\n\nNo. So once we get your consent from this document, we will action everything after that. K? We've also included in here that we can do yearly rollovers. So if you're comfortable with that, unless there's major changes to either fund, we can just do that sweep across each year for you without having to go through.\n\nYeah. There was a bit of a with the legislation, we have to go through, I guess, the pros and cons of moving between the accounts quite regularly, especially if there's any product changes. So I've included in this document that we will do those regular ones so that we don't have to keep refreshing a 40 page document every time you wanna do a movement across. Yeah. That's perfect.\n\nNow yeah. We're navigating the old legislation changes at the moment, and I've just changed the anti money laundering laws. So updating identification regularly is pretty important too. So navigating all the fun stuff with all the budget, it's been a a good couple of months. Yeah.\n\nAnd it's getting worse every year at the moment. Now, Allison, one part I wanna walk you through as well. Can you see on that strategy page there, I've got in bold a paragraph heading best interest duty. So that's still on page 12. It's above the risks, but you can stay down there.\n\nI'll just kind of walk you through it. We'll go to the tables, actually. So if you go a bit further down, let's go to sixteen and seventeen together because it'll probably be easier with a visual here. And you'll see a big blue investment table. Okay.\n\nSo we've included the q super at the top, which is the sweep across. You're in the lifetime focus group one, So that still pretty much aligns with the balanced growth risk profile. And what we've been recommending, if you go on the next page, you'll see all these different green and red figures for rebalancing your hub portfolio. Now the main thing here is that all of the options that are switching are pretty well, like, like for like switches. So if there's a conservative one, we're just updating it to a new conservative one that's a little bit better on fees and performance.\n\nThe main one for you is just removing that Benelon concentrated shares, which was probably the only one that was performing poorly. And at the bottom of that table on the next page, you'll see beta shares Australia 200. Can you see that one there? It's like the second last row. So that's the replacement for the Benelong option because one of the conversations you have with Carl was going a little bit more, like, passive, low fee style of investment.\n\nSo this one pretty much brings you from, like, a 0.9% fee to a 0.2. So it's a huge fee savings, and the performance over one three five in ten years is much, much better. And this kind of brings everything back into line with where we want it to be. So if you keep going a little bit further, you will see the pie chart for your asset allocation. Nice colorful chart there.\n\nYep. And the main thing here is that full balance growth, you wanna be sitting at around about 70 to 75% in growth assets, which is that middle row in gray, just to let you know that we're still keeping everything pretty well in line with that risk level with all of the rebalances and options being switched out. It'll be the right amount of high risk, high return, and the right amount of safe assets, which is about a quarter. Now if you go just below that, you've got a fee comparison and a projection update for you, And this is where I wanted to walk you through the retirement outcome. So at the top, when we switch all of these options, because you're in hub, we have a bit more control under the hood with what we buy and sell and how that affects your super in terms of capital gains tax inside and under the hood.\n\nNow with all of the switches we're recommending, it only came out to be about $91 of tax inside the super. Normally, I would expect it to be about 800 to 2,000. So there wasn't very much there at all. On the right hand column, you'll see a difference about third row. Investment fee goes down $578.\n\nNow that is essentially a halving of your investment fees with Hub by going for these lower fee investments. The performance bumps it back up again. So for balance growth, you kinda wanna be getting a consistent seven to 8% average return. This brings you back from just under six to just under 10 over the last five years. Now that affects the projection.\n\nSo currently, you were kind of aiming for a little over 300,000. With the salary sacrifice, the rollover, and the new investments, you're looking more about $4.22 over the next ten years conservatively. Now how that works for retirement is when you get to 67, let's just say 67 is today, we can put you into a pension account and start pulling out about five to 10% of your super. So what that will do is you will be able to healthily pull out between 400 and $800 a week or 800 to 1,600 a fortnight in terms of tax free income on top of anything that you get with the age pension as well. Now you March is '67.\n\nPerfect. So let's say you get this. Amazing. Okay. Well, I haven't factored in the long service leave into here, so that's a nice little bonus.\n\nRight. Okay. That'll be perfect timing then. And Albert around the same time? Yep.\n\nHealth permitting? Yep. Well, perfect. That means that because he's got a little bit more super than you do, by that point, you guys should be able to pull out easily about 800 to $1,000 each from the super and get a little bit of a supplement from the age pension on top of that. So, realistically, I think combined, you guys will be on about $2,000 a week equivalent after tax to live on in retirement.\n\nYep. Alrighty. So I'm basically saying we're on track as long as we can kind of, again, help meeting get through to that period with the right returns and the right contributions, you should be good. Worst case scenario, you know, if things go really bad in the world, we may have to work for an extra year or if health kind of causes you to retire a bit earlier, it just means that maybe the funds last a little bit less. So instead of depleting in age 94, they may run out of age 92 or something like that.\n\nBut as you use the super funds, the pension will increase as well to sort of offset a big portion of that. Yeah. Exactly. So it all kind of compounds together pretty nicely. And in top of that, when we hit 60, we can do a transition to retirement strategy where you can access a portion of your super, pull it out, and kind of put it back in again for a tax deduction.\n\nAnd the differences in the taxes will actually boost up the super another few $100 a year as well. So there's a few other strategies we can do with you guys over the next three to five years. So that'll just kind of refine things a bit better and make it a bit more of a certainty rather than a probability. Okay? So that's the super recommendations after that in the document.\n\nIt just updates you on what the salary sacrifice looks like because, obviously, if you salary sacrifice five to seven and a half percent of your income, that's not going to impact your take home pay by the full amount because it is using pretax dollars as long as the employer does that properly. K. Any questions on the recommendations so far? Okay. And in addition to that, the only part that I wasn't a 100% certain on was just in terms of the estate planning side of things because we've got the contributions roll over the investments.\n\nWe've got you guys on the partnered fee discount with Oakview of 1.1%. The insurances are being kept in place. I just wanted to double check with you in terms of wills and the power of attorney. Was that something that you guys are actively pursuing to update? Yep.\n\nPerfect. Well and that's a big time. It's a big time. Yep. Yep.\n\nK. K. And I think in your state, there's even things like advanced health care directives. They kinda split that power of attorney into financial and medical as well as the will. So there's a few little things there.\n\nAnd, look, I'm not gonna say, hey. Go to the post office and get a $25 kit from those posts. Maybe worth sitting down with someone or even, you know, the trustee at the courthouse and so on. But if you guys are yeah. It's gotta be certified and witnessed and everything properly anyway.\n\nYeah. Yep. Who can act on your behalf, talk to the doctors without too much delay? Yes. Absolutely.\n\nSo I know. Even look. Even maternity care when people have babies, I've know I've seen and heard quite a few horror stories I can imagine when it comes to elderly and aged care. They're not always the nicest. So if that's something that you already understand the importance of, I'll just include that reminder to check up next time we speak and see how you went with it.\n\nYeah. I can imagine. It'll be very, very good to get to a point soon where you're self contained, where you've got all the documents in place, you've got all your accounts set up ready to go, and then you don't have to worry too much about relying on all these other systems and people and the influence that they can have. Because the nicest thing that we like to do is when people get to that pension age and we set up their pension account and, oh, look. We need to pull out 15,000 to go on our holiday.\n\nHere you go. Pops out with that regular income, and then we get to see the photos when they come back. Client sending us photos from overseas is always nice. And, look, we're not too far off there, but we've got a pretty important ten years to get you guys as much as we can. Cool.\n\nAlison, does everything make sense so far? Do you like the plan that we've come up with? Perfect. So the only caveat I'll give is that, look, once this is signed, we can basically hop on, move the investments around, do the rollovers, and all that kind of thing. I would just, again, proceed with caution with that payroll and the forms just to make sure they are doing pretax salary sacrifice.\n\nOtherwise, we can help with the forms, but it would be nice for them to have that set up properly. Yeah. Yeah. And, look, if there's any questions or confusion on their end, you can just give us a call, send us an email. We'd be happy to send you guys an email with extra explanations or answer any questions you might have just to make sure it's done properly.\n\nSo please feel free if anything seems a bit amiss just to give us a buzz. Awesome. Alright. I will leave this one with you today, and I will check when we've got Albert booked in. But what I'm basically gonna do from here is just kind of keep factoring both of you guys and your super in as, like, a bit of a joint retirement goal as we get closer and closer to the date.\n\nEven though there's a couple of different years between you guys, I just wanna make sure that we're factoring it all in because Centrelink will become important as well for pension assets tests and things like that. K. Just gonna have a quick look at Albert's account here. Yeah. So I'll touch base with the team and see if he I think he might actually be due for his review as well, but I'll have a little bit of a look in and reach out to him.\n\nYeah. So when you do that, it will bring you down to the section to sign, which is the authority to proceed. It will stamp a signature, name, and date on there. And if you wanna draw the signature like your license, you can click on it and do so. It's not a requirement for us.\n\nAnd then it'll pretty much have once you've signed everything, it'll have a validate button. But first, I believe you do actually have to skip through the documents. So rather than scrolling through all 2,000 pages, there'll be those purple buttons, and they will bring you first to the sign section. And then second, they will just say next document, next document. And I think there's about four product documents to kind of skip through.\n\nOnce you've gotten to the last document, it'll ask you to validate and give you an offer to save a signed copy for your own records. And I must warn as well, sometimes depending on your Internet connection, when you get to that last validate button, it may actually have a little spinning circle loading for a little bit of time. Sometimes it's a few seconds. Sometimes it's a it's a minute. So just let me know how you go there.\n\nYep. Doing its fun thing. And, Allison, just while that's loading there, do you have a preference in terms of contact frequency? Do you want me to just kind of pencil in for your next annual review, or do you want me to just make sure we touch base every three to six months? What would be the preference for you guys?\n\nYep. Yeah. No. That's fair enough. So a bit of a we'll always do, like, a a quick call attempt.\n\nBut if you just, you know, hang up on that, we'll send you a text. I think, yeah, I think we've got you set up for a bit of a a conversation towards Christmas time. So before the year ends, we'll touch base again, and then we'll go through a bit more in-depth again end of financial near next year as well. Alright. That's come through signed, Allison.\n\nI don't know if that's loaded on your side. Perfect. Alright. Amazing. Is there anything else I can do for you before I let you enjoy the rest of your holiday?\n\nPerfect. Well, like I said, we'll jump on to that this week, get the investments moved around. Rollovers will probably happen. I know QSuper is just a bit of a lag at the moment within the financial year. So hopefully next week or the week after, and then just keep an ear out.\n\nWe'll touch base with you guys towards the end of the year and see how you went with, obviously, the wheels and everything and and to see how the new portfolio is tracking as well. Amazing, Allison. Thank you so much for your time, and I'll talk to you again soon. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Allison.","start":3.6,"end":4.56,"sentiment":"positive","sentiment_score":0.36023736993471783},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.56,"end":6.72,"sentiment":"neutral","sentiment_score":0.27343882407460895},{"text":"How are you doing?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.2692471221089363},{"text":"Just giving you a call to go through an updated advice strategy, and I do appreciate you going through that QSuper research for us.","start":9.28,"end":16.415,"sentiment":"positive","sentiment_score":0.437365864093105},{"text":"Do you still have a bit of time for me?","start":16.415,"end":18.275,"sentiment":"neutral","sentiment_score":0.1931082859635353}],"sentiment":"positive","sentiment_score":0.34374241592983407,"num_words":48,"start":3.6,"end":18.275},{"sentences":[{"text":"Amazing.","start":19.535,"end":20.035,"sentiment":"positive","sentiment_score":0.4561041891574859},{"text":"So I'm gonna pop this through to your email.","start":20.175,"end":22.735,"sentiment":"neutral","sentiment_score":0.27757033209005993},{"text":"But just while I'm doing that, I just need to go through a quick security check with you.","start":22.735,"end":26.91,"sentiment":"neutral","sentiment_score":0.1346888393163681},{"text":"Now could I please confirm your date of birth and address, please?","start":29.15,"end":32.69,"sentiment":"neutral","sentiment_score":0.0642407728979985},{"text":"Sensational.","start":39.165,"end":39.665,"sentiment":"neutral","sentiment_score":0.11321564018726347}],"sentiment":"neutral","sentiment_score":0.1527497853811194,"num_words":41,"start":19.535,"end":39.665},{"sentences":[{"text":"And is your Yahoo email still okay for this document?","start":40.045,"end":43.905,"sentiment":"neutral","sentiment_score":0.05801597610116005},{"text":"Amazing.","start":45.324997,"end":45.824997,"sentiment":"positive","sentiment_score":0.4394659698009491},{"text":"So I'll pop that through to you now.","start":45.885,"end":47.245,"sentiment":"positive","sentiment_score":0.35185808688402176},{"text":"I'll let you know what's kind of coming because there's a few, like, research appendixes alongside it and some product documents from the providers, just some updates there for you.","start":47.245,"end":56.210003,"sentiment":"neutral","sentiment_score":0.1972183607518673},{"text":"And because you've used our new system before, this should go right through to your main inbox pretty quickly there.","start":56.510002,"end":62.91,"sentiment":"neutral","sentiment_score":0.2830236732959747}],"sentiment":"neutral","sentiment_score":0.22335528571536575,"num_words":69,"start":40.045,"end":62.91},{"sentences":[{"text":"Will you better look onto the documents with me today?","start":62.91,"end":65.325,"sentiment":"neutral","sentiment_score":0.11952018737792969},{"text":"No worries.","start":69.325,"end":69.805,"sentiment":"neutral","sentiment_score":0.1084175705909729},{"text":"Now just while you go into the email, I just wanna let you know that I've gone through the updated research and comparisons there for your portfolio, the q super, and some contributions advice.","start":69.805,"end":81.3,"sentiment":"neutral","sentiment_score":0.1485227832899374},{"text":"And I've sort of limitedly factored in Albert's assets and super as well because now that you're kind of ten years off of that retirement age, we kind of wanna walk through what retirement actually looks like for you guys and give you a bit of an update on how that's looking in terms of projections.","start":81.840004,"end":98.895004,"sentiment":"neutral","sentiment_score":0.13079574770693267},{"text":"K.","start":100.875,"end":101.115005,"sentiment":"neutral","sentiment_score":0.05394488945603371}],"sentiment":"neutral","sentiment_score":0.13437202337731435,"num_words":103,"start":62.91,"end":101.115005},{"sentences":[{"text":"So just let me know when you can see the the email there.","start":101.115005,"end":104.555,"sentiment":"neutral","sentiment_score":0.0856867444056731},{"text":"And inside, when you hit sign now, it'll bring up the documents to review with me.","start":104.555,"end":109.46,"sentiment":"neutral","sentiment_score":0.09373126039281487},{"text":"And we just wanna go through a yeah.","start":109.46,"end":111.94,"sentiment":"neutral","sentiment_score":0.054978912230581045},{"text":"So when you hit that, it'll bring up the advice document to run through together.","start":111.94,"end":115.479996,"sentiment":"neutral","sentiment_score":0.11505994722247123},{"text":"And you should see a lovely Gold Coast picture there or the beach.","start":117.22,"end":121.055,"sentiment":"positive","sentiment_score":0.3389141307427333}],"sentiment":"neutral","sentiment_score":0.14131141614455442,"num_words":65,"start":101.115005,"end":121.055},{"sentences":[{"text":"Alright.","start":123.515,"end":123.835,"sentiment":"neutral","sentiment_score":0.034939587116241455},{"text":"Can you see that okay?","start":123.835,"end":124.715,"sentiment":"neutral","sentiment_score":0.019833377003669737},{"text":"Is the writing quite clear?","start":124.715,"end":126.494995,"sentiment":"neutral","sentiment_score":0.02222514497116208},{"text":"Beautiful.","start":127.994995,"end":128.47499,"sentiment":"positive","sentiment_score":0.6287171840667725},{"text":"So with these advice documents, we always have our licensing details on the front just to let you know that we're obviously registered with ASIC and who you're speaking to.","start":128.47499,"end":138.38,"sentiment":"neutral","sentiment_score":0.17738176236550013}],"sentiment":"neutral","sentiment_score":0.14750957742909945,"num_words":42,"start":123.515,"end":138.38},{"sentences":[{"text":"And if you go through to pages three and four, I just wanna kind of refresh you on the scope of this advice.","start":138.38,"end":144.24,"sentiment":"neutral","sentiment_score":0.09957241380344266},{"text":"There should be a scope of advice heading.","start":144.3,"end":146.4,"sentiment":"neutral","sentiment_score":0.06610907334834337},{"text":"Yep.","start":149.46501,"end":149.96501,"sentiment":"neutral","sentiment_score":0.08492808043956757},{"text":"So the main things here is we've got the q super and the hub 24.","start":150.345,"end":154.52501,"sentiment":"neutral","sentiment_score":0.0572961688041687},{"text":"We were looking at doing a bit of movement of funds between the two accounts and just reviewing your portfolio because although it was performing well, there was a a couple of options there that were dragging their feet a little bit, and we were looking for some kind of low fee replacements if that rings a bell.","start":154.585,"end":171.67,"sentiment":"neutral","sentiment_score":0.020029921951735842}],"sentiment":"neutral","sentiment_score":0.0469061351425591,"num_words":105,"start":138.38,"end":171.67},{"sentences":[{"text":"K?","start":172.945,"end":173.445,"sentiment":"neutral","sentiment_score":0.023415086790919304},{"text":"Now one of the discussions you had with Kyle was in terms of just bumping up your contributions for the salary sacrifice.","start":173.74501,"end":179.845,"sentiment":"neutral","sentiment_score":0.05059343627230688},{"text":"So I've factored in the five to the seven and a half percent.","start":180.38501,"end":184.565,"sentiment":"neutral","sentiment_score":0.09723015129566193},{"text":"And as you might know, they've raised the cap for contributions this financial year as well, so you're well within the cap as well.","start":185.185,"end":192.54,"sentiment":"neutral","sentiment_score":0.1079251899694403},{"text":"One thing I would let you know as well because the the forms are a little bit funky for q super is most people I've seen that have filled in those forms, they put in your extra contributions as personal rather than salary sacrifice.","start":203.415,"end":217.66,"sentiment":"neutral","sentiment_score":0.017646116225726226}],"sentiment":"neutral","sentiment_score":0.05545284927715189,"num_words":104,"start":172.945,"end":217.66},{"sentences":[{"text":"And there's a little tiny box on the first or second page that says, if you would like to salary sacrifice pretax to speak to, like, payroll and things like that.","start":217.72,"end":227.26001,"sentiment":"neutral","sentiment_score":0.005569886987007434},{"text":"So it may actually be worth skipping the form and actually talking to payroll possibly.","start":227.40001,"end":233.00499,"sentiment":"neutral","sentiment_score":-0.03460299856960773},{"text":"Yeah.","start":236.105,"end":236.605,"sentiment":"neutral","sentiment_score":0.03301388770341873},{"text":"Lovely.","start":237.305,"end":237.805,"sentiment":"positive","sentiment_score":0.5282411575317383},{"text":"So they've been a great help.","start":238.185,"end":239.385,"sentiment":"positive","sentiment_score":0.6929803589979807}],"sentiment":"neutral","sentiment_score":0.08097701328289178,"num_words":54,"start":217.72,"end":239.385},{"sentences":[{"text":"That's great to hear.","start":239.385,"end":240.44499,"sentiment":"positive","sentiment_score":0.7268137335777283},{"text":"Yeah.","start":257.975,"end":258.475,"sentiment":"neutral","sentiment_score":-0.010943775065243244},{"text":"Perfect.","start":266.47,"end":266.95,"sentiment":"positive","sentiment_score":0.4991576671600342},{"text":"Perfect.","start":266.95,"end":267.27002,"sentiment":"positive","sentiment_score":0.4325421452522278},{"text":"Because one thing we don't want to happen is for them to be putting it through as nonconcessional rather than salary sacrifice, and then you've gotta do paperwork every year to try and claim it for your tax return.","start":267.27002,"end":277.45,"sentiment":"neutral","sentiment_score":-0.03799434736944162}],"sentiment":"neutral","sentiment_score":0.051005030961950186,"num_words":46,"start":239.385,"end":277.45},{"sentences":[{"text":"So I just wanted to kind of give you that heads up because I've seen it happening quite a lot lately, just as they go through EBA agreement updates for all the different public sectors as well.","start":279.125,"end":289.145,"sentiment":"neutral","sentiment_score":0.11492199128544009},{"text":"Alrighty.","start":291.06,"end":291.56,"sentiment":"neutral","sentiment_score":0.10339371860027312},{"text":"So yeah.","start":291.62,"end":299.86002,"sentiment":"neutral","sentiment_score":0.05594213120639324},{"text":"And is that how often you get paid?","start":299.86002,"end":301.72,"sentiment":"neutral","sentiment_score":0.024786410038359463},{"text":"Yeah.","start":302.115,"end":302.615,"sentiment":"neutral","sentiment_score":0.05025172978639603}],"sentiment":"neutral","sentiment_score":0.09624356466668602,"num_words":49,"start":279.125,"end":302.615},{"sentences":[{"text":"That's perfect too because it means more regular contributions kind of smooth out through the year, and more regular buys just means that you're not at the mercy of, you know, big contribution goes in and the stock market crashes.","start":308.755,"end":320.95,"sentiment":"neutral","sentiment_score":0.17274475190788507},{"text":"Right?","start":323.57,"end":324.07,"sentiment":"neutral","sentiment_score":0.030831722542643547},{"text":"Now in terms of what's not being considered in this document is we've just done a few reminders in terms of estate planning about beneficiaries' wills and powers of attorney.","start":324.61,"end":334.465,"sentiment":"neutral","sentiment_score":-0.06651014710466067},{"text":"But in terms of insurances, we were just trying to keep in place what you had with q super for the time being.","start":335.165,"end":341.61,"sentiment":"neutral","sentiment_score":-0.03693089326438696},{"text":"In terms of cash flow and debt management, we've got your focus on obviously paying down debts and building up your savings and so on, bit of travel.","start":343.53,"end":353.84998,"sentiment":"neutral","sentiment_score":0.048571954015642405}],"sentiment":"neutral","sentiment_score":0.04472066846783044,"num_words":122,"start":308.755,"end":353.84998},{"sentences":[{"text":"So we're obviously not giving you recommendations on that in this document.","start":353.84998,"end":356.90997,"sentiment":"neutral","sentiment_score":-0.12603222019970417},{"text":"It's just to note what your goals are and keep track of them with you.","start":357.075,"end":361.415,"sentiment":"neutral","sentiment_score":0.03637876690675815},{"text":"Yep.","start":367.71503,"end":368.11502,"sentiment":"neutral","sentiment_score":0.24974402785301208},{"text":"Amazing.","start":368.11502,"end":368.61502,"sentiment":"positive","sentiment_score":0.4346886873245239},{"text":"Help.","start":369.73,"end":370.23,"sentiment":"neutral","sentiment_score":0.17426005005836487}],"sentiment":"neutral","sentiment_score":-0.003600412451972564,"num_words":30,"start":353.84998,"end":370.23},{"sentences":[{"text":"Yep.","start":376.05,"end":376.37,"sentiment":"neutral","sentiment_score":0.1036948561668396},{"text":"And I've got retirement still set at the moment to 67, and I realized that we've kind of got Albert down to maybe hang up the boots in eight years, maybe yourself in ten years.","start":376.37,"end":387.895,"sentiment":"neutral","sentiment_score":0.01722899688673871},{"text":"So I'm just as we get closer and closer along, we're just factoring in and updating projections for when you guys time the retirement.","start":387.895,"end":396.715,"sentiment":"neutral","sentiment_score":0.07071297708898783},{"text":"Yep.","start":405.26,"end":405.76,"sentiment":"neutral","sentiment_score":0.011605404317378998},{"text":"Yeah.","start":408.54,"end":409.04,"sentiment":"neutral","sentiment_score":0.024532688781619072}],"sentiment":"neutral","sentiment_score":0.03935418210382904,"num_words":62,"start":376.05,"end":409.04},{"sentences":[{"text":"Be much nicer to just both be on the same trips and bit easier for planning flights and the like, I imagine.","start":413.115,"end":419.29498,"sentiment":"neutral","sentiment_score":0.2699032500386238},{"text":"Yeah.","start":425.37,"end":425.61002,"sentiment":"neutral","sentiment_score":-0.06589087843894958},{"text":"I can imagine.","start":425.61002,"end":426.51,"sentiment":"neutral","sentiment_score":-0.04016659532984098},{"text":"I can imagine.","start":427.13,"end":427.87,"sentiment":"neutral","sentiment_score":-0.031035066892703373},{"text":"Yep.","start":431.53,"end":432.03,"sentiment":"neutral","sentiment_score":-0.02413216233253479}],"sentiment":"neutral","sentiment_score":0.18780811578035356,"num_words":30,"start":413.115,"end":432.03},{"sentences":[{"text":"Okay.","start":434.10498,"end":434.60498,"sentiment":"neutral","sentiment_score":-0.012692068703472614},{"text":"And then back this week or back next week?","start":435.145,"end":437.405,"sentiment":"neutral","sentiment_score":-0.01659289261119233},{"text":"Oh, amazing.","start":440.585,"end":441.245,"sentiment":"neutral","sentiment_score":0.10895831137895584},{"text":"Okay.","start":441.865,"end":442.365,"sentiment":"neutral","sentiment_score":0.10109759867191316},{"text":"Nice relaxing time.","start":443.145,"end":444.525,"sentiment":"positive","sentiment_score":0.3934122820695241}],"sentiment":"neutral","sentiment_score":0.0835764353396371,"num_words":16,"start":434.10498,"end":444.525},{"sentences":[{"text":"Yeah.","start":451.08002,"end":451.4,"sentiment":"neutral","sentiment_score":0.1688249707221985},{"text":"Absolutely.","start":451.4,"end":451.9,"sentiment":"positive","sentiment_score":0.33949214220046997},{"text":"And I do appreciate you taking a bit of your morning to speak with me today.","start":451.96002,"end":455.18,"sentiment":"positive","sentiment_score":0.43613641150295734},{"text":"It's one of those things where if we just spend that half an hour going through a few things together, it lets us sort it out in the background for you, and I definitely do appreciate the time.","start":455.48,"end":466.125,"sentiment":"neutral","sentiment_score":0.2161023202107141},{"text":"Yes.","start":481.16,"end":481.66,"sentiment":"neutral","sentiment_score":0.045839566737413406}],"sentiment":"neutral","sentiment_score":0.276214516345869,"num_words":57,"start":451.08002,"end":481.66},{"sentences":[{"text":"Swung back up to full time.","start":482.12,"end":483.82,"sentiment":"neutral","sentiment_score":0.030482216427723568},{"text":"Alright.","start":485.215,"end":485.695,"sentiment":"neutral","sentiment_score":0.1776614636182785},{"text":"So that would mean that the details that I've got in this document on July, the about you section, that should be pretty up to date then because I've got you listed as full time in the nursing, 75,000.","start":485.695,"end":498.915,"sentiment":"neutral","sentiment_score":0.1611343658505342},{"text":"Assets was the two cars and the savings, and a personal loan.","start":499.59,"end":504.17,"sentiment":"neutral","sentiment_score":0.08499757510920365},{"text":"Yep.","start":507.51,"end":508.01,"sentiment":"positive","sentiment_score":0.4989083707332611}],"sentiment":"neutral","sentiment_score":0.13836736105761285,"num_words":59,"start":482.12,"end":508.01},{"sentences":[{"text":"Perfect.","start":508.07,"end":508.57,"sentiment":"positive","sentiment_score":0.7261184453964233},{"text":"Alright.","start":509.19,"end":509.59,"sentiment":"neutral","sentiment_score":0.3076508939266205},{"text":"Now if you can swing down to pages ten and eleven for me, it'll come up with a risk profile section.","start":509.59,"end":516.975,"sentiment":"neutral","sentiment_score":0.057675997770967935},{"text":"Ten and eleven.","start":527.05,"end":528.11,"sentiment":"neutral","sentiment_score":0.013466023840010166},{"text":"Just sometimes the Odoo system has a different page number than the document does by one, so either one will work.","start":528.81,"end":535.31,"sentiment":"neutral","sentiment_score":-0.00889981177447009}],"sentiment":"neutral","sentiment_score":0.04464824078233041,"num_words":47,"start":508.07,"end":535.31},{"sentences":[{"text":"Yep.","start":536.34503,"end":536.745,"sentiment":"neutral","sentiment_score":0.12056823074817656},{"text":"And we've still got you as balanced growth at the moment.","start":536.745,"end":539.565,"sentiment":"positive","sentiment_score":0.351484858176925},{"text":"No.","start":542.185,"end":542.42505,"sentiment":"neutral","sentiment_score":-0.2091263234615326},{"text":"So just bear in mind that's kind of that 3.5 out of five.","start":542.42505,"end":546.185,"sentiment":"neutral","sentiment_score":-0.04537218321974461},{"text":"It's that medium side of things.","start":546.185,"end":548.34503,"sentiment":"neutral","sentiment_score":0.08785048872232437}],"sentiment":"neutral","sentiment_score":0.11609499680344015,"num_words":32,"start":536.34503,"end":548.34503},{"sentences":[{"text":"It's still focusing on growth with a nice healthy bit of protection.","start":548.34503,"end":551.99,"sentiment":"positive","sentiment_score":0.4513554771741231},{"text":"And then as you get closer and closer to retirement, we're pretty much going to have a discussion about when we reduce risk.","start":552.20996,"end":558.79,"sentiment":"neutral","sentiment_score":0.1898320404731709},{"text":"Because at some point, we'll probably wanna get you into a bit more of a moderate or conservative position even if it's right up when you do actually retire just to make sure that, you know, a day before retirement, you're not losing a healthy chunk of super due to the markets.","start":559.49,"end":572.955,"sentiment":"neutral","sentiment_score":0.22236933731115782},{"text":"Okay?","start":575.255,"end":575.735,"sentiment":"neutral","sentiment_score":0.06914588063955307},{"text":"So balanced growth is what we're doing at the moment.","start":575.735,"end":578.075,"sentiment":"neutral","sentiment_score":0.21309436857700348}],"sentiment":"neutral","sentiment_score":0.24026222207716533,"num_words":98,"start":548.34503,"end":578.075},{"sentences":[{"text":"And if you go down past there, there's a pretty word heavy section after that called strategy recommendations that I wanna kind of summarize with you.","start":578.1,"end":586.04,"sentiment":"neutral","sentiment_score":0.10320567841140124},{"text":"Alright.","start":588.33997,"end":588.83997,"sentiment":"neutral","sentiment_score":0.12832854688167572},{"text":"So what we're pretty much recommending is we're updating the investments inside Hub.","start":588.89996,"end":594.26495,"sentiment":"neutral","sentiment_score":0.15463857696606562},{"text":"Now we're replacing that one that was dragging its feet a little bit, but we're doing a full portfolio rebalance for you.","start":594.565,"end":600.58496,"sentiment":"neutral","sentiment_score":0.08824435011907057},{"text":"In addition to that, we're recommending that you do the usual sweep across from q super into hub and still maintain that 10,000 for the insurances just up until the point when they become irrelevant.","start":600.725,"end":612.36,"sentiment":"neutral","sentiment_score":0.0969852871128491}],"sentiment":"neutral","sentiment_score":0.10471998389387868,"num_words":97,"start":578.1,"end":612.36},{"sentences":[{"text":"K?","start":614.25995,"end":614.75995,"sentiment":"neutral","sentiment_score":0.06052172929048538},{"text":"We're also recommending a little bit further down the salary sacrifice increase and just showing you the differences that we'll have.","start":614.82,"end":621.535,"sentiment":"neutral","sentiment_score":0.06129962241365796},{"text":"But if you can go through for me and scroll through, you will see some tables coming up for advantages and disadvantages.","start":622.15497,"end":628.815,"sentiment":"neutral","sentiment_score":0.07223264525898478},{"text":"And that's all based on that updated research.","start":639.61,"end":641.61,"sentiment":"neutral","sentiment_score":0.22894582897424698},{"text":"So now that we got the rundown from q super nice and updated, we've got some new balances to work with, which is perfect.","start":641.61,"end":648.485,"sentiment":"positive","sentiment_score":0.6772089575727781}],"sentiment":"neutral","sentiment_score":0.27659886327915284,"num_words":76,"start":614.25995,"end":648.485},{"sentences":[{"text":"No.","start":651.265,"end":651.505,"sentiment":"neutral","sentiment_score":-0.026370694860816},{"text":"So once we get your consent from this document, we will action everything after that.","start":651.505,"end":655.845,"sentiment":"neutral","sentiment_score":-0.013977861342330774},{"text":"K?","start":657.12,"end":657.36,"sentiment":"neutral","sentiment_score":0.012730859220027924},{"text":"We've also included in here that we can do yearly rollovers.","start":657.36,"end":660.66003,"sentiment":"neutral","sentiment_score":0.06496205621144989},{"text":"So if you're comfortable with that, unless there's major changes to either fund, we can just do that sweep across each year for you without having to go through.","start":660.72003,"end":669.135,"sentiment":"neutral","sentiment_score":0.020522402535224783}],"sentiment":"neutral","sentiment_score":0.019060079580205575,"num_words":57,"start":651.265,"end":669.135},{"sentences":[{"text":"Yeah.","start":673.53503,"end":673.775,"sentiment":"neutral","sentiment_score":-0.01704370602965355},{"text":"There was a bit of a with the legislation, we have to go through, I guess, the pros and cons of moving between the accounts quite regularly, especially if there's any product changes.","start":673.775,"end":683.97,"sentiment":"neutral","sentiment_score":-0.0163321200419556},{"text":"So I've included in this document that we will do those regular ones so that we don't have to keep refreshing a 40 page document every time you wanna do a movement across.","start":683.97,"end":692.71,"sentiment":"neutral","sentiment_score":0.0760114894558986},{"text":"Yeah.","start":700.305,"end":700.805,"sentiment":"neutral","sentiment_score":0.12584277987480164},{"text":"That's perfect.","start":701.505,"end":702.405,"sentiment":"positive","sentiment_score":0.37283432483673096}],"sentiment":"neutral","sentiment_score":0.0403412416311247,"num_words":70,"start":673.53503,"end":702.405},{"sentences":[{"text":"Now yeah.","start":705.025,"end":710.56,"sentiment":"neutral","sentiment_score":0.06584666669368744},{"text":"We're navigating the old legislation changes at the moment, and I've just changed the anti money laundering laws.","start":710.56,"end":716.88,"sentiment":"neutral","sentiment_score":-0.014226584798759885},{"text":"So updating identification regularly is pretty important too.","start":716.88,"end":720.64,"sentiment":"neutral","sentiment_score":0.08729391824454069},{"text":"So navigating all the fun stuff with all the budget, it's been a a good couple of months.","start":720.64,"end":725.775,"sentiment":"neutral","sentiment_score":0.15024656885200077},{"text":"Yeah.","start":733.85,"end":734.35,"sentiment":"neutral","sentiment_score":-0.19471782445907593}],"sentiment":"neutral","sentiment_score":0.06561035250729703,"num_words":47,"start":705.025,"end":734.35},{"sentences":[{"text":"And it's getting worse every year at the moment.","start":739.52997,"end":741.70996,"sentiment":"negative","sentiment_score":-0.38875869578785366},{"text":"Now, Allison, one part I wanna walk you through as well.","start":744.81,"end":747.69,"sentiment":"neutral","sentiment_score":0.024661191993139008},{"text":"Can you see on that strategy page there, I've got in bold a paragraph heading best interest duty.","start":747.69,"end":753.425,"sentiment":"neutral","sentiment_score":0.018174285845210154},{"text":"So that's still on page 12.","start":757.725,"end":759.665,"sentiment":"neutral","sentiment_score":-0.0066032400354743},{"text":"It's above the risks, but you can stay down there.","start":760.845,"end":764.32,"sentiment":"neutral","sentiment_score":0.01756849903613329}],"sentiment":"neutral","sentiment_score":-0.05119171212599785,"num_words":54,"start":739.52997,"end":764.32},{"sentences":[{"text":"I'll just kind of walk you through it.","start":764.32,"end":766.07996,"sentiment":"neutral","sentiment_score":0.14650304894894361},{"text":"We'll go to the tables, actually.","start":766.07996,"end":767.77997,"sentiment":"neutral","sentiment_score":0.029592332740624745},{"text":"So if you go a bit further down, let's go to sixteen and seventeen together because it'll probably be easier with a visual here.","start":767.83997,"end":775.54,"sentiment":"neutral","sentiment_score":0.04335442053464552},{"text":"And you'll see a big blue investment table.","start":778.745,"end":780.925,"sentiment":"neutral","sentiment_score":0.16770593356341124},{"text":"Okay.","start":781.865,"end":782.26495,"sentiment":"neutral","sentiment_score":0.1078486293554306}],"sentiment":"neutral","sentiment_score":0.08169320380275553,"num_words":47,"start":764.32,"end":782.26495},{"sentences":[{"text":"So we've included the q super at the top, which is the sweep across.","start":782.26495,"end":786.365,"sentiment":"neutral","sentiment_score":0.16738227914486611},{"text":"You're in the lifetime focus group one, So that still pretty much aligns with the balanced growth risk profile.","start":787.305,"end":793.72003,"sentiment":"neutral","sentiment_score":0.26239160565953507},{"text":"And what we've been recommending, if you go on the next page, you'll see all these different green and red figures for rebalancing your hub portfolio.","start":794.10004,"end":801.64,"sentiment":"neutral","sentiment_score":0.2143953127356676},{"text":"Now the main thing here is that all of the options that are switching are pretty well, like, like for like switches.","start":802.995,"end":808.855,"sentiment":"neutral","sentiment_score":0.29491392455317755},{"text":"So if there's a conservative one, we're just updating it to a new conservative one that's a little bit better on fees and performance.","start":808.995,"end":814.69495,"sentiment":"neutral","sentiment_score":0.09698467049747705}],"sentiment":"neutral","sentiment_score":0.2068457997980572,"num_words":105,"start":782.26495,"end":814.69495},{"sentences":[{"text":"The main one for you is just removing that Benelon concentrated shares, which was probably the only one that was performing poorly.","start":815.15497,"end":825.82,"sentiment":"neutral","sentiment_score":-0.31773673268881714},{"text":"And at the bottom of that table on the next page, you'll see beta shares Australia 200.","start":826.44,"end":834.625,"sentiment":"neutral","sentiment_score":0.029485529726919008},{"text":"Can you see that one there?","start":834.76495,"end":836.14496,"sentiment":"neutral","sentiment_score":0.017219937406480312},{"text":"It's like the second last row.","start":836.20496,"end":837.82495,"sentiment":"neutral","sentiment_score":0.014400534331798553},{"text":"So that's the replacement for the Benelong option because one of the conversations you have with Carl was going a little bit more, like, passive, low fee style of investment.","start":840.445,"end":849.83,"sentiment":"neutral","sentiment_score":0.2263446254034837}],"sentiment":"neutral","sentiment_score":0.006063055293059644,"num_words":81,"start":815.15497,"end":849.83},{"sentences":[{"text":"So this one pretty much brings you from, like, a 0.9% fee to a 0.2.","start":850.29004,"end":855.89,"sentiment":"positive","sentiment_score":0.4281016071637472},{"text":"So it's a huge fee savings, and the performance over one three five in ten years is much, much better.","start":855.89,"end":861.51,"sentiment":"positive","sentiment_score":0.6689302951097489},{"text":"And this kind of brings everything back into line with where we want it to be.","start":861.825,"end":865.525,"sentiment":"positive","sentiment_score":0.4295518174767494},{"text":"So if you keep going a little bit further, you will see the pie chart for your asset allocation.","start":865.66504,"end":870.645,"sentiment":"neutral","sentiment_score":0.2887727179025349},{"text":"Nice colorful chart there.","start":873.34503,"end":875.125,"sentiment":"positive","sentiment_score":0.6272430270910263}],"sentiment":"positive","sentiment_score":0.46849476807826274,"num_words":74,"start":850.29004,"end":875.125},{"sentences":[{"text":"Yep.","start":882.42,"end":882.92,"sentiment":"neutral","sentiment_score":0.15264379978179932},{"text":"And the main thing here is that full balance growth, you wanna be sitting at around about 70 to 75% in growth assets, which is that middle row in gray, just to let you know that we're still keeping everything pretty well in line with that risk level with all of the rebalances and options being switched out.","start":884.42,"end":901.415,"sentiment":"positive","sentiment_score":0.348551567258506},{"text":"It'll be the right amount of high risk, high return, and the right amount of safe assets, which is about a quarter.","start":901.475,"end":908.39996,"sentiment":"positive","sentiment_score":0.38841982727701013},{"text":"Now if you go just below that, you've got a fee comparison and a projection update for you, And this is where I wanted to walk you through the retirement outcome.","start":909.98,"end":918.415,"sentiment":"neutral","sentiment_score":0.19666583691873857},{"text":"So at the top, when we switch all of these options, because you're in hub, we have a bit more control under the hood with what we buy and sell and how that affects your super in terms of capital gains tax inside and under the hood.","start":920.075,"end":935.2,"sentiment":"neutral","sentiment_score":0.12552937960371058}],"sentiment":"neutral","sentiment_score":0.2572980672121048,"num_words":159,"start":882.42,"end":935.2},{"sentences":[{"text":"Now with all of the switches we're recommending, it only came out to be about $91 of tax inside the super.","start":935.5,"end":942.785,"sentiment":"neutral","sentiment_score":0.11286967921824682},{"text":"Normally, I would expect it to be about 800 to 2,000.","start":943.005,"end":946.385,"sentiment":"neutral","sentiment_score":0.1282867748628963},{"text":"So there wasn't very much there at all.","start":946.445,"end":948.865,"sentiment":"neutral","sentiment_score":0.07459759339690208},{"text":"On the right hand column, you'll see a difference about third row.","start":951.165,"end":954.945,"sentiment":"neutral","sentiment_score":0.14557519244651},{"text":"Investment fee goes down $578.","start":955.085,"end":959.13,"sentiment":"neutral","sentiment_score":0.10753031075000763}],"sentiment":"neutral","sentiment_score":0.11689039293611259,"num_words":57,"start":935.5,"end":959.13},{"sentences":[{"text":"Now that is essentially a halving of your investment fees with Hub by going for these lower fee investments.","start":961.02997,"end":969.05,"sentiment":"neutral","sentiment_score":0.14675385152038775},{"text":"The performance bumps it back up again.","start":970.98505,"end":973.065,"sentiment":"positive","sentiment_score":0.5060806998184749},{"text":"So for balance growth, you kinda wanna be getting a consistent seven to 8% average return.","start":973.065,"end":978.525,"sentiment":"positive","sentiment_score":0.5592556241899729},{"text":"This brings you back from just under six to just under 10 over the last five years.","start":979.065,"end":984.95,"sentiment":"positive","sentiment_score":0.4450159739045536},{"text":"Now that affects the projection.","start":986.61005,"end":989.19,"sentiment":"neutral","sentiment_score":0.14767333269119262}],"sentiment":"positive","sentiment_score":0.3684783794451505,"num_words":64,"start":961.02997,"end":989.19},{"sentences":[{"text":"So currently, you were kind of aiming for a little over 300,000.","start":989.89,"end":994.55005,"sentiment":"neutral","sentiment_score":0.20903078218301138},{"text":"With the salary sacrifice, the rollover, and the new investments, you're looking more about $4.22 over the next ten years conservatively.","start":994.94495,"end":1002.64496,"sentiment":"neutral","sentiment_score":0.2557970576343082},{"text":"Now how that works for retirement is when you get to 67, let's just say 67 is today, we can put you into a pension account and start pulling out about five to 10% of your super.","start":1004.94495,"end":1016.36005,"sentiment":"neutral","sentiment_score":0.25730881472495765},{"text":"So what that will do is you will be able to healthily pull out between 400 and $800 a week or 800 to 1,600 a fortnight in terms of tax free income on top of anything that you get with the age pension as well.","start":1017.22003,"end":1033.395,"sentiment":"positive","sentiment_score":0.38346367213461136},{"text":"Now you March is '67.","start":1036.015,"end":1045.24,"sentiment":"neutral","sentiment_score":0.14776377826929094}],"sentiment":"neutral","sentiment_score":0.2949601489895334,"num_words":120,"start":989.89,"end":1045.24},{"sentences":[{"text":"Perfect.","start":1045.24,"end":1045.74,"sentiment":"positive","sentiment_score":0.688093900680542},{"text":"So let's say you get this.","start":1045.8,"end":1047.8201,"sentiment":"neutral","sentiment_score":0.2989116112391154},{"text":"Amazing.","start":1052.135,"end":1052.635,"sentiment":"positive","sentiment_score":0.6872071027755737},{"text":"Okay.","start":1052.935,"end":1053.3351,"sentiment":"positive","sentiment_score":0.4536144733428955},{"text":"Well, I haven't factored in the long service leave into here, so that's a nice little bonus.","start":1053.3351,"end":1057.115,"sentiment":"positive","sentiment_score":0.4144171011798522}],"sentiment":"positive","sentiment_score":0.41028753324196887,"num_words":26,"start":1045.24,"end":1057.115},{"sentences":[{"text":"Right.","start":1064.47,"end":1064.95,"sentiment":"neutral","sentiment_score":0.17160047590732574},{"text":"Okay.","start":1064.95,"end":1065.45,"sentiment":"neutral","sentiment_score":0.2495587021112442},{"text":"That'll be perfect timing then.","start":1066.07,"end":1067.7699,"sentiment":"positive","sentiment_score":0.44448340535163877},{"text":"And Albert around the same time?","start":1093.2999,"end":1095.1599,"sentiment":"neutral","sentiment_score":0.04869464039802551},{"text":"Yep.","start":1096.58,"end":1097.08,"sentiment":"neutral","sentiment_score":0.07952231168746948}],"sentiment":"neutral","sentiment_score":0.21537616848945618,"num_words":14,"start":1064.47,"end":1097.08},{"sentences":[{"text":"Health permitting?","start":1097.22,"end":1098.12,"sentiment":"neutral","sentiment_score":0.06885727494955063},{"text":"Yep.","start":1099.4751,"end":1099.9751,"sentiment":"neutral","sentiment_score":0.10501441359519958},{"text":"Well, perfect.","start":1103.3151,"end":1104.035,"sentiment":"positive","sentiment_score":0.5188378989696503},{"text":"That means that because he's got a little bit more super than you do, by that point, you guys should be able to pull out easily about 800 to $1,000 each from the super and get a little bit of a supplement from the age pension on top of that.","start":1104.035,"end":1119.38,"sentiment":"positive","sentiment_score":0.41892129838466646},{"text":"So, realistically, I think combined, you guys will be on about $2,000 a week equivalent after tax to live on in retirement.","start":1119.52,"end":1129.995,"sentiment":"neutral","sentiment_score":0.17491940781474113}],"sentiment":"positive","sentiment_score":0.33863242405962635,"num_words":77,"start":1097.22,"end":1129.995},{"sentences":[{"text":"Yep.","start":1131.735,"end":1132.235,"sentiment":"neutral","sentiment_score":0.2429957240819931},{"text":"Alrighty.","start":1132.295,"end":1132.795,"sentiment":"positive","sentiment_score":0.35785409808158875},{"text":"So I'm basically saying we're on track as long as we can kind of, again, help meeting get through to that period with the right returns and the right contributions, you should be good.","start":1132.855,"end":1143.85,"sentiment":"positive","sentiment_score":0.4510710837648195},{"text":"Worst case scenario, you know, if things go really bad in the world, we may have to work for an extra year or if health kind of causes you to retire a bit earlier, it just means that maybe the funds last a little bit less.","start":1144.39,"end":1157.075,"sentiment":"negative","sentiment_score":-0.3730221905786058},{"text":"So instead of depleting in age 94, they may run out of age 92 or something like that.","start":1157.135,"end":1163.475,"sentiment":"negative","sentiment_score":-0.3382469457056787}],"sentiment":"neutral","sentiment_score":-0.07310199119150639,"num_words":100,"start":1131.735,"end":1163.475},{"sentences":[{"text":"But as you use the super funds, the pension will increase as well to sort of offset a big portion of that.","start":1164.735,"end":1171.86,"sentiment":"neutral","sentiment_score":0.15181612528183244},{"text":"Yeah.","start":1181.22,"end":1181.7,"sentiment":"positive","sentiment_score":0.4065436124801636},{"text":"Exactly.","start":1181.7,"end":1182.2,"sentiment":"positive","sentiment_score":0.4880536794662475},{"text":"So it all kind of compounds together pretty nicely.","start":1182.5,"end":1184.84,"sentiment":"positive","sentiment_score":0.6568980150752597},{"text":"And in top of that, when we hit 60, we can do a transition to retirement strategy where you can access a portion of your super, pull it out, and kind of put it back in again for a tax deduction.","start":1196.195,"end":1207.11,"sentiment":"positive","sentiment_score":0.3432496328179429}],"sentiment":"neutral","sentiment_score":0.3272955287751314,"num_words":74,"start":1164.735,"end":1207.11},{"sentences":[{"text":"And the differences in the taxes will actually boost up the super another few $100 a year as well.","start":1207.49,"end":1212.71,"sentiment":"neutral","sentiment_score":0.27486451440735865},{"text":"So there's a few other strategies we can do with you guys over the next three to five years.","start":1212.845,"end":1217.185,"sentiment":"neutral","sentiment_score":0.2455576654327543},{"text":"So that'll just kind of refine things a bit better and make it a bit more of a certainty rather than a probability.","start":1219.085,"end":1224.705,"sentiment":"neutral","sentiment_score":0.12138947520567023},{"text":"Okay?","start":1226.87,"end":1227.37,"sentiment":"neutral","sentiment_score":0.05429570376873016},{"text":"So that's the super recommendations after that in the document.","start":1227.4299,"end":1230.71,"sentiment":"neutral","sentiment_score":0.17371079623699187}],"sentiment":"neutral","sentiment_score":0.20099143073376682,"num_words":72,"start":1207.49,"end":1230.71},{"sentences":[{"text":"It just updates you on what the salary sacrifice looks like because, obviously, if you salary sacrifice five to seven and a half percent of your income, that's not going to impact your take home pay by the full amount because it is using pretax dollars as long as the employer does that properly.","start":1230.71,"end":1247.075,"sentiment":"neutral","sentiment_score":0.14716536648295545},{"text":"K.","start":1248.975,"end":1249.475,"sentiment":"neutral","sentiment_score":0.04885692149400711},{"text":"Any questions on the recommendations so far?","start":1250.015,"end":1252.56,"sentiment":"neutral","sentiment_score":0.08602195179888181},{"text":"Okay.","start":1255.1201,"end":1255.6201,"sentiment":"neutral","sentiment_score":0.22103610634803772},{"text":"And in addition to that, the only part that I wasn't a 100% certain on was just in terms of the estate planning side of things because we've got the contributions roll over the investments.","start":1255.68,"end":1266.42,"sentiment":"neutral","sentiment_score":0.10665040032139846}],"sentiment":"neutral","sentiment_score":0.12807898460982406,"num_words":98,"start":1230.71,"end":1266.42},{"sentences":[{"text":"We've got you guys on the partnered fee discount with Oakview of 1.1%.","start":1267.105,"end":1272.1649,"sentiment":"neutral","sentiment_score":0.22956624627113342},{"text":"The insurances are being kept in place.","start":1272.705,"end":1274.8049,"sentiment":"neutral","sentiment_score":0.17594975658825465},{"text":"I just wanted to double check with you in terms of wills and the power of attorney.","start":1274.945,"end":1278.8849,"sentiment":"neutral","sentiment_score":0.07254218792214114},{"text":"Was that something that you guys are actively pursuing to update?","start":1279.0249,"end":1283.53,"sentiment":"neutral","sentiment_score":0.0431591064076532},{"text":"Yep.","start":1283.79,"end":1284.29,"sentiment":"neutral","sentiment_score":-0.06276069581508636}],"sentiment":"neutral","sentiment_score":0.11961665646914317,"num_words":49,"start":1267.105,"end":1284.29},{"sentences":[{"text":"Perfect.","start":1294.91,"end":1295.41,"sentiment":"positive","sentiment_score":0.6951897144317627},{"text":"Well and that's a big time.","start":1295.87,"end":1299.8551,"sentiment":"positive","sentiment_score":0.48009780049324036},{"text":"It's a big time.","start":1301.5951,"end":1302.415,"sentiment":"neutral","sentiment_score":0.2507898323237896},{"text":"Yep.","start":1304.795,"end":1305.295,"sentiment":"neutral","sentiment_score":0.1362425982952118},{"text":"Yep.","start":1318.8099,"end":1319.3099,"sentiment":"neutral","sentiment_score":0.06641428172588348}],"sentiment":"positive","sentiment_score":0.36781482513134295,"num_words":13,"start":1294.91,"end":1319.3099},{"sentences":[{"text":"K.","start":1319.9299,"end":1320.4299,"sentiment":"neutral","sentiment_score":0.03585803881287575},{"text":"K.","start":1332.265,"end":1332.585,"sentiment":"neutral","sentiment_score":0.0276486873626709},{"text":"And I think in your state, there's even things like advanced health care directives.","start":1332.585,"end":1336.98,"sentiment":"neutral","sentiment_score":0.036075130105018616},{"text":"They kinda split that power of attorney into financial and medical as well as the will.","start":1337.76,"end":1342.88,"sentiment":"neutral","sentiment_score":0.04088619421236217},{"text":"So there's a few little things there.","start":1342.88,"end":1344.4,"sentiment":"neutral","sentiment_score":0.07202222145029477}],"sentiment":"neutral","sentiment_score":0.04427931295373501,"num_words":39,"start":1319.9299,"end":1344.4},{"sentences":[{"text":"And, look, I'm not gonna say, hey.","start":1344.4,"end":1346.0,"sentiment":"neutral","sentiment_score":0.016889962766851698},{"text":"Go to the post office and get a $25 kit from those posts.","start":1346.0,"end":1349.38,"sentiment":"neutral","sentiment_score":0.04434440915401165},{"text":"Maybe worth sitting down with someone or even, you know, the trustee at the courthouse and so on.","start":1349.785,"end":1355.005,"sentiment":"neutral","sentiment_score":0.04261556350522571},{"text":"But if you guys are yeah.","start":1355.385,"end":1358.845,"sentiment":"neutral","sentiment_score":0.04346977981428305},{"text":"It's gotta be certified and witnessed and everything properly anyway.","start":1359.065,"end":1362.765,"sentiment":"neutral","sentiment_score":0.03593349400907755}],"sentiment":"neutral","sentiment_score":0.03855445963778981,"num_words":54,"start":1344.4,"end":1362.765},{"sentences":[{"text":"Yeah.","start":1376.165,"end":1376.665,"sentiment":"neutral","sentiment_score":0.06457260251045227},{"text":"Yep.","start":1380.805,"end":1381.125,"sentiment":"neutral","sentiment_score":0.07455988228321075},{"text":"Who can act on your behalf, talk to the doctors without too much delay?","start":1381.125,"end":1384.985,"sentiment":"neutral","sentiment_score":0.04960739293268749},{"text":"Yes.","start":1388.8201,"end":1389.3201,"sentiment":"neutral","sentiment_score":0.1952568292617798},{"text":"Absolutely.","start":1389.4601,"end":1389.9601,"sentiment":"neutral","sentiment_score":0.2670642137527466}],"sentiment":"neutral","sentiment_score":0.07199761271476746,"num_words":18,"start":1376.165,"end":1389.9601},{"sentences":[{"text":"So I know.","start":1391.14,"end":1394.76,"sentiment":"neutral","sentiment_score":0.07641251633564632},{"text":"Even look.","start":1395.54,"end":1398.02,"sentiment":"neutral","sentiment_score":-0.006873760372400284},{"text":"Even maternity care when people have babies, I've know I've seen and heard quite a few horror stories I can imagine when it comes to elderly and aged care.","start":1398.02,"end":1407.335,"sentiment":"neutral","sentiment_score":-0.17876503333963198},{"text":"They're not always the nicest.","start":1407.875,"end":1409.335,"sentiment":"neutral","sentiment_score":-0.2661814272403717},{"text":"So if that's something that you already understand the importance of, I'll just include that reminder to check up next time we speak and see how you went with it.","start":1409.6349,"end":1417.78,"sentiment":"neutral","sentiment_score":0.012523066687087218}],"sentiment":"neutral","sentiment_score":-0.08585378368371639,"num_words":69,"start":1391.14,"end":1417.78},{"sentences":[{"text":"Yeah.","start":1426.56,"end":1426.96,"sentiment":"neutral","sentiment_score":0.10179691016674042},{"text":"I can imagine.","start":1426.96,"end":1427.86,"sentiment":"neutral","sentiment_score":0.14763872822125754},{"text":"It'll be very, very good to get to a point soon where you're self contained, where you've got all the documents in place, you've got all your accounts set up ready to go, and then you don't have to worry too much about relying on all these other systems and people and the influence that they can have.","start":1428.945,"end":1443.6849,"sentiment":"neutral","sentiment_score":0.24675625498438702},{"text":"Because the nicest thing that we like to do is when people get to that pension age and we set up their pension account and, oh, look.","start":1445.99,"end":1452.47,"sentiment":"neutral","sentiment_score":0.2838563808688411},{"text":"We need to pull out 15,000 to go on our holiday.","start":1452.47,"end":1455.03,"sentiment":"neutral","sentiment_score":0.25779041241515765}],"sentiment":"neutral","sentiment_score":0.25356392703950403,"num_words":100,"start":1426.56,"end":1455.03},{"sentences":[{"text":"Here you go.","start":1455.03,"end":1455.93,"sentiment":"neutral","sentiment_score":0.22499262789885202},{"text":"Pops out with that regular income, and then we get to see the photos when they come back.","start":1456.1749,"end":1460.595,"sentiment":"neutral","sentiment_score":0.18991469219326973},{"text":"Client sending us photos from overseas is always nice.","start":1461.215,"end":1464.0349,"sentiment":"neutral","sentiment_score":0.3133461011780633},{"text":"And, look, we're not too far off there, but we've got a pretty important ten years to get you guys as much as we can.","start":1464.335,"end":1471.64,"sentiment":"neutral","sentiment_score":0.09909275352954865},{"text":"Cool.","start":1474.26,"end":1474.76,"sentiment":"positive","sentiment_score":0.5230230689048767}],"sentiment":"neutral","sentiment_score":0.17703391358788526,"num_words":56,"start":1455.03,"end":1474.76},{"sentences":[{"text":"Alison, does everything make sense so far?","start":1475.62,"end":1477.7,"sentiment":"neutral","sentiment_score":0.22176822807107652},{"text":"Do you like the plan that we've come up with?","start":1477.7,"end":1479.56,"sentiment":"neutral","sentiment_score":0.23352779895067216},{"text":"Perfect.","start":1481.875,"end":1482.355,"sentiment":"positive","sentiment_score":0.5209288597106934},{"text":"So the only caveat I'll give is that, look, once this is signed, we can basically hop on, move the investments around, do the rollovers, and all that kind of thing.","start":1482.355,"end":1492.74,"sentiment":"neutral","sentiment_score":-0.0483229415070626},{"text":"I would just, again, proceed with caution with that payroll and the forms just to make sure they are doing pretax salary sacrifice.","start":1492.82,"end":1500.84,"sentiment":"neutral","sentiment_score":-0.06279931800520938}],"sentiment":"neutral","sentiment_score":0.020363735345502693,"num_words":72,"start":1475.62,"end":1500.84},{"sentences":[{"text":"Otherwise, we can help with the forms, but it would be nice for them to have that set up properly.","start":1501.38,"end":1505.96,"sentiment":"neutral","sentiment_score":0.059958355687558654},{"text":"Yeah.","start":1518.73,"end":1519.23,"sentiment":"neutral","sentiment_score":0.01856803521513939},{"text":"Yeah.","start":1529.5299,"end":1529.9299,"sentiment":"neutral","sentiment_score":0.07676979899406433},{"text":"And, look, if there's any questions or confusion on their end, you can just give us a call, send us an email.","start":1529.9299,"end":1536.625,"sentiment":"neutral","sentiment_score":0.0569684612988071},{"text":"We'd be happy to send you guys an email with extra explanations or answer any questions you might have just to make sure it's done properly.","start":1536.625,"end":1543.5249,"sentiment":"positive","sentiment_score":0.5476691975043371}],"sentiment":"neutral","sentiment_score":0.23981728902352709,"num_words":70,"start":1501.38,"end":1543.5249},{"sentences":[{"text":"So please feel free if anything seems a bit amiss just to give us a buzz.","start":1543.745,"end":1548.0049,"sentiment":"neutral","sentiment_score":0.05382049083709717},{"text":"Awesome.","start":1551.79,"end":1552.29,"sentiment":"positive","sentiment_score":0.640355110168457},{"text":"Alright.","start":1553.39,"end":1553.89,"sentiment":"positive","sentiment_score":0.5159200429916382},{"text":"I will leave this one with you today, and I will check when we've got Albert booked in.","start":1554.1901,"end":1561.31,"sentiment":"positive","sentiment_score":0.413405352168613},{"text":"But what I'm basically gonna do from here is just kind of keep factoring both of you guys and your super in as, like, a bit of a joint retirement goal as we get closer and closer to the date.","start":1561.31,"end":1570.8949,"sentiment":"positive","sentiment_score":0.34992637783288955}],"sentiment":"neutral","sentiment_score":0.30862834814347717,"num_words":76,"start":1543.745,"end":1570.8949},{"sentences":[{"text":"Even though there's a couple of different years between you guys, I just wanna make sure that we're factoring it all in because Centrelink will become important as well for pension assets tests and things like that.","start":1570.8949,"end":1582.62,"sentiment":"neutral","sentiment_score":0.1535344127867673},{"text":"K.","start":1584.92,"end":1585.42,"sentiment":"neutral","sentiment_score":0.07572808861732483},{"text":"Just gonna have a quick look at Albert's account here.","start":1586.12,"end":1588.62,"sentiment":"neutral","sentiment_score":0.11265977472066879},{"text":"Yeah.","start":1591.455,"end":1591.855,"sentiment":"neutral","sentiment_score":0.1509682685136795},{"text":"So I'll touch base with the team and see if he I think he might actually be due for his review as well, but I'll have a little bit of a look in and reach out to him.","start":1591.855,"end":1601.4,"sentiment":"neutral","sentiment_score":0.17401945120409915}],"sentiment":"neutral","sentiment_score":0.15685984509429712,"num_words":87,"start":1570.8949,"end":1601.4},{"sentences":[{"text":"Yeah.","start":1606.4401,"end":1606.84,"sentiment":"neutral","sentiment_score":0.07834266126155853},{"text":"So when you do that, it will bring you down to the section to sign, which is the authority to proceed.","start":1606.84,"end":1613.02,"sentiment":"neutral","sentiment_score":0.09673922367039181},{"text":"It will stamp a signature, name, and date on there.","start":1613.24,"end":1616.9401,"sentiment":"neutral","sentiment_score":0.11427409276366234},{"text":"And if you wanna draw the signature like your license, you can click on it and do so.","start":1617.2749,"end":1621.615,"sentiment":"neutral","sentiment_score":0.1486809125377072},{"text":"It's not a requirement for us.","start":1621.9149,"end":1623.7749,"sentiment":"neutral","sentiment_score":0.16578121483325958}],"sentiment":"neutral","sentiment_score":0.1236348392974053,"num_words":56,"start":1606.4401,"end":1623.7749},{"sentences":[{"text":"And then it'll pretty much have once you've signed everything, it'll have a validate button.","start":1624.3949,"end":1629.375,"sentiment":"neutral","sentiment_score":0.16343990564346314},{"text":"But first, I believe you do actually have to skip through the documents.","start":1629.515,"end":1632.6549,"sentiment":"neutral","sentiment_score":0.05161905145415893},{"text":"So rather than scrolling through all 2,000 pages, there'll be those purple buttons, and they will bring you first to the sign section.","start":1632.93,"end":1640.63,"sentiment":"neutral","sentiment_score":0.07116046045785365},{"text":"And then second, they will just say next document, next document.","start":1640.8501,"end":1644.39,"sentiment":"neutral","sentiment_score":0.03948718791996891},{"text":"And I think there's about four product documents to kind of skip through.","start":1644.4501,"end":1649.105,"sentiment":"neutral","sentiment_score":0.035458506729740366}],"sentiment":"neutral","sentiment_score":0.07539541998257239,"num_words":75,"start":1624.3949,"end":1649.105},{"sentences":[{"text":"Once you've gotten to the last document, it'll ask you to validate and give you an offer to save a signed copy for your own records.","start":1649.8049,"end":1657.0249,"sentiment":"neutral","sentiment_score":0.088070956703562},{"text":"And I must warn as well, sometimes depending on your Internet connection, when you get to that last validate button, it may actually have a little spinning circle loading for a little bit of time.","start":1681.755,"end":1690.28,"sentiment":"neutral","sentiment_score":-0.034579652920365335},{"text":"Sometimes it's a few seconds.","start":1690.58,"end":1691.86,"sentiment":"neutral","sentiment_score":-0.024556591734290124},{"text":"Sometimes it's a it's a minute.","start":1691.86,"end":1693.46,"sentiment":"neutral","sentiment_score":-0.023308221561213333},{"text":"So just let me know how you go there.","start":1693.46,"end":1695.4,"sentiment":"neutral","sentiment_score":0.04698604800634914}],"sentiment":"neutral","sentiment_score":0.015306162544422679,"num_words":81,"start":1649.8049,"end":1695.4},{"sentences":[{"text":"Yep.","start":1699.155,"end":1699.475,"sentiment":"neutral","sentiment_score":0.24259310960769653},{"text":"Doing its fun thing.","start":1699.475,"end":1700.775,"sentiment":"positive","sentiment_score":0.626435786485672},{"text":"And, Allison, just while that's loading there, do you have a preference in terms of contact frequency?","start":1734.4,"end":1740.8201,"sentiment":"neutral","sentiment_score":0.10176842287182808},{"text":"Do you want me to just kind of pencil in for your next annual review, or do you want me to just make sure we touch base every three to six months?","start":1741.04,"end":1747.92,"sentiment":"neutral","sentiment_score":0.07010913011617959},{"text":"What would be the preference for you guys?","start":1747.92,"end":1750.505,"sentiment":"neutral","sentiment_score":0.027817828580737114}],"sentiment":"neutral","sentiment_score":0.11200700381830815,"num_words":62,"start":1699.155,"end":1750.505},{"sentences":[{"text":"Yep.","start":1752.645,"end":1753.145,"sentiment":"neutral","sentiment_score":0.08287474513053894},{"text":"Yeah.","start":1764.6599,"end":1764.8999,"sentiment":"neutral","sentiment_score":0.005372690036892891},{"text":"No.","start":1764.8999,"end":1765.1399,"sentiment":"neutral","sentiment_score":-0.01840073987841606},{"text":"That's fair enough.","start":1765.1399,"end":1765.86,"sentiment":"neutral","sentiment_score":0.00443221814930439},{"text":"So a bit of a we'll always do, like, a a quick call attempt.","start":1765.86,"end":1769.08,"sentiment":"neutral","sentiment_score":0.029663647125874246}],"sentiment":"neutral","sentiment_score":0.02492172047495842,"num_words":20,"start":1752.645,"end":1769.08},{"sentences":[{"text":"But if you just, you know, hang up on that, we'll send you a text.","start":1769.5399,"end":1772.6,"sentiment":"neutral","sentiment_score":0.013646148269375165},{"text":"I think, yeah, I think we've got you set up for a bit of a a conversation towards Christmas time.","start":1773.7,"end":1780.735,"sentiment":"neutral","sentiment_score":0.10974358711391688},{"text":"So before the year ends, we'll touch base again, and then we'll go through a bit more in-depth again end of financial near next year as well.","start":1780.875,"end":1795.0499,"sentiment":"neutral","sentiment_score":0.0585421683197772},{"text":"Alright.","start":1795.0499,"end":1795.45,"sentiment":"neutral","sentiment_score":0.08137719333171844},{"text":"That's come through signed, Allison.","start":1795.45,"end":1796.89,"sentiment":"neutral","sentiment_score":0.08760966956615449}],"sentiment":"neutral","sentiment_score":0.06617100076640353,"num_words":68,"start":1769.5399,"end":1796.89},{"sentences":[{"text":"I don't know if that's loaded on your side.","start":1796.89,"end":1799.39,"sentiment":"neutral","sentiment_score":-0.006532515365203532},{"text":"Perfect.","start":1806.505,"end":1807.005,"sentiment":"neutral","sentiment_score":0.2980041801929474},{"text":"Alright.","start":1809.5449,"end":1810.0449,"sentiment":"neutral","sentiment_score":0.1870863139629364},{"text":"Amazing.","start":1815.48,"end":1815.98,"sentiment":"positive","sentiment_score":0.6274089813232422},{"text":"Is there anything else I can do for you before I let you enjoy the rest of your holiday?","start":1816.36,"end":1820.2999,"sentiment":"positive","sentiment_score":0.3892444011412169}],"sentiment":"neutral","sentiment_score":0.27255969222178755,"num_words":31,"start":1796.89,"end":1820.2999},{"sentences":[{"text":"Perfect.","start":1823.88,"end":1824.36,"sentiment":"positive","sentiment_score":0.7531991004943848},{"text":"Well, like I said, we'll jump on to that this week, get the investments moved around.","start":1824.36,"end":1828.8849,"sentiment":"neutral","sentiment_score":0.07754122698679566},{"text":"Rollovers will probably happen.","start":1829.345,"end":1830.865,"sentiment":"neutral","sentiment_score":-0.009906609891913831},{"text":"I know QSuper is just a bit of a lag at the moment within the financial year.","start":1830.865,"end":1835.4249,"sentiment":"neutral","sentiment_score":-0.09001445408691378},{"text":"So hopefully next week or the week after, and then just keep an ear out.","start":1835.4249,"end":1840.26,"sentiment":"neutral","sentiment_score":0.022469877948363623}],"sentiment":"neutral","sentiment_score":0.014359146084214718,"num_words":53,"start":1823.88,"end":1840.26},{"sentences":[{"text":"We'll touch base with you guys towards the end of the year and see how you went with, obviously, the wheels and everything and and to see how the new portfolio is tracking as well.","start":1840.34,"end":1849.64,"sentiment":"neutral","sentiment_score":0.09475469110267502},{"text":"Amazing, Allison.","start":1852.407,"end":1853.227,"sentiment":"positive","sentiment_score":0.5279791057109833},{"text":"Thank you so much for your time, and I'll talk to you again soon.","start":1853.367,"end":1856.827,"sentiment":"positive","sentiment_score":0.5945677395377841},{"text":"Thank you.","start":1858.727,"end":1859.207,"sentiment":"positive","sentiment_score":0.47660721838474274},{"text":"Bye.","start":1859.207,"end":1859.707,"sentiment":"neutral","sentiment_score":0.2869974374771118}],"sentiment":"neutral","sentiment_score":0.2580839375516883,"num_words":54,"start":1840.34,"end":1859.707}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. Yeah. Yes. Yep. The sixth of the sixty nine sixteen Chetham Drive, Kerwin four eight one seven. Yes. Mhmm. Yep. I'm just logging in to my email now. Okay. It says on document. Okay. Okay. Yes. Yep. Schedule of all is considered. Mhmm. Yes. Oh, I am. I wasn't quite sure. I haven't filled out the forms. I've only just found them on my HR work, and then I still have to get my boss to sign it and all that. Mhmm. Oh, yeah. Now they just sent me back to the form. Been there. Sorry. Because I've already asked them. I said, I wanna increase my my super contributions that I'm which is because at the moment, it's mandatory for us with Queensland Health to do 5% on that. So that's what happens now on that, and that's classed as salary sacrifice. Alright. Mhmm. Alright. Because they now changed our super contributions as well. It's not once a month. It's fortnightly now. Oh, every payslip. Yeah. Well, I get paid fortnightly, so it'll be paid fortnightly. It came up on my payslip when I checked it yesterday. Yep. Yeah. Yeah. We've got about three years or four years max with everything to be paid off. Alright. So, you know, I'm just looking at the at that 60, 61 mark at the moment. Uh-huh. Yeah. We wanted to try and Okay. Depending on health. Retire at the same time. Because I used to retire separately. You know, you can't go anywhere or do anything because one's still working. Yeah. I know. It's it's hard getting the same time off together at the moment. I know. So we are at the at the moment on leave. Just come back from time away. Oh, no. I don't get back until August 2. Third of August. Yeah. And we've got a family wedding and everything coming up. So and that big thing. A lot of family coming around. That's alright. Mhmm. Yep. Yeah. And that because my status in work wise changed dramatically in January. Went from, you know, working two or three days a week to five days a week. So bit of an adjustment. Yes. Yep. Yeah. The timeline and the personal line. Okay. What was it? Paid as well, was it? 10. Okay. So yeah. So you got this profile? Yep. I'm not a risk taker. Yep. Mhmm. Okay. Yep. Yes. Okay. K. Got somewhere 34,000 rollover to to you. And that yeah. So have you done the role already yet? Okay. Yeah. I was I thought it was automatically doing that before, but, obviously, it didn't happen. I am quite happy, you know, doing that. The the once a year that builds it up once, and then you just do a big one big lump sum every on a on a 12 monthly basis. It's it's quite good. And that's what I thought was still happening, but and then but yeah. It's alright. We're getting there. Yeah. I've had to really put a a a a three security system on my bank account. And that because scam is just life. Alright. Which page is that? I've got wrist. Yep. Okay. So hang on. A 12. K. 16. Yep. Yep. Yep. I can see that. Mhmm. Australian share, international share, and six inches worth. Mhmm. Okay. That's good. Okay. Okay. Okay. Mhmm. Yeah. So I'm I'm actually I'll just let you know. I'm actually looking at retiring March at 67. The reason being is that I will get twenty years service long service. Yeah. I just used some of my long service leave because I've just had March this year was my ten year. Yeah. That's what I'm gonna well, I'm hoping by all cancer that we'd be well enough and should be well enough. But but I'm with what I'm what I'm doing health wise now is that we can retire in March thirty seven is what we're what I'm aiming for so I can get my twenty year service. Hopefully. Yep. It's it's all going well with himself as well. And that and that yes. Mhmm. And that's pretty much what we're living on at the moment. Yeah. Okay. Because, like, we'll be able to save all once we get all of our loans paid off. And that's how we should have at least six to seven years before the entire of my loans all going well. Mhmm. Yes. That looks pretty good. We have been looking at it, but we just haven't, progress because we're gonna just come back from time away, and then we're gonna organize this wedding. And then we'll be sitting down. And that because our son's getting married. So so it's well, it is a big time. And then having all the kids come home together is another big thing. I don't but yes. We we are aware we're we're we're we've been talking about it. We're just yeah. Gotta get a bit more active with it. Because, you know, we haven't got up. We've had to update our mother's everything of hers as well. So yep. You still gotta do everything with the JP with those documents anyway? Yeah. I know. But we the health care is just for your choices towards your end of life here. And then what you if in case you have an accident, you're unconscious as well. Okay. Yep. It it stops also stops the doctors from overriding your wishes. And I I work in a hospital. I can tell you now they do. They push. Yeah. And that'd be a I work in aged care, so it's just I sleep too much. Mhmm. Yes. Right. Yep. That's great. Yes. It looks really good, actually. Yep. Yep. Alright. Yeah. Yeah. As soon as I get back to work, because I still gotta get it signed off by the manager before submitting it back to payroll. And that so that's what I've gotta wait on then. Hopefully, he's back at work too. He's hard to get that up. Yep. Alright. Yeah. Okay. Okay. So do you just click on this signature thing here? It's it's spinning around now. Probably every six months. I don't know. I don't know. It's just a quick text first to say I'm available. I don't know because such a huge work. I don't know what days I'm working too far in advance. K. Even though it says it's signed. You you told I can't buy email. Alright. Alright. And then and I've got a little k. No. That's fine. That's good. Okay. Okay. That's right. Okay. Thank you. 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Good. Thank you. Yeah. Yes.\n\nYep. The sixth of the sixty nine sixteen Chetham Drive, Kerwin four eight one seven. Yes. Mhmm. Yep.\n\nI'm just logging in to my email now. Okay. It says on document. Okay. Okay.\n\nYes. Yep. Schedule of all is considered. Mhmm. Yes.\n\nOh, I am. I wasn't quite sure. I haven't filled out the forms. I've only just found them on my HR work, and then I still have to get my boss to sign it and all that. Mhmm.\n\nOh, yeah. Now they just sent me back to the form. Been there. Sorry. Because I've already asked them.\n\nI said, I wanna increase my my super contributions that I'm which is because at the moment, it's mandatory for us with Queensland Health to do 5% on that. So that's what happens now on that, and that's classed as salary sacrifice. Alright. Mhmm. Alright.\n\nBecause they now changed our super contributions as well. It's not once a month. It's fortnightly now. Oh, every payslip. Yeah.\n\nWell, I get paid fortnightly, so it'll be paid fortnightly. It came up on my payslip when I checked it yesterday. Yep. Yeah. Yeah.\n\nWe've got about three years or four years max with everything to be paid off. Alright. So, you know, I'm just looking at the at that 60, 61 mark at the moment. Uh-huh. Yeah.\n\nWe wanted to try and Okay. Depending on health. Retire at the same time. Because I used to retire separately. You know, you can't go anywhere or do anything because one's still working.\n\nYeah. I know. It's it's hard getting the same time off together at the moment. I know. So we are at the at the moment on leave.\n\nJust come back from time away. Oh, no. I don't get back until August 2. Third of August. Yeah.\n\nAnd we've got a family wedding and everything coming up. So and that big thing. A lot of family coming around. That's alright. Mhmm.\n\nYep. Yeah. And that because my status in work wise changed dramatically in January. Went from, you know, working two or three days a week to five days a week. So bit of an adjustment.\n\nYes. Yep. Yeah. The timeline and the personal line. Okay.\n\nWhat was it? Paid as well, was it? 10. Okay. So yeah.\n\nSo you got this profile? Yep. I'm not a risk taker. Yep. Mhmm.\n\nOkay. Yep. Yes. Okay. K.\n\nGot somewhere 34,000 rollover to to you. And that yeah. So have you done the role already yet? Okay. Yeah.\n\nI was I thought it was automatically doing that before, but, obviously, it didn't happen. I am quite happy, you know, doing that. The the once a year that builds it up once, and then you just do a big one big lump sum every on a on a 12 monthly basis. It's it's quite good. And that's what I thought was still happening, but and then but yeah.\n\nIt's alright. We're getting there. Yeah. I've had to really put a a a a three security system on my bank account. And that because scam is just life.\n\nAlright. Which page is that? I've got wrist. Yep. Okay.\n\nSo hang on. A 12. K. 16. Yep.\n\nYep. Yep. I can see that. Mhmm. Australian share, international share, and six inches worth.\n\nMhmm. Okay. That's good. Okay. Okay.\n\nOkay. Mhmm. Yeah. So I'm I'm actually I'll just let you know. I'm actually looking at retiring March at 67.\n\nThe reason being is that I will get twenty years service long service. Yeah. I just used some of my long service leave because I've just had March this year was my ten year. Yeah. That's what I'm gonna well, I'm hoping by all cancer that we'd be well enough and should be well enough.\n\nBut but I'm with what I'm what I'm doing health wise now is that we can retire in March thirty seven is what we're what I'm aiming for so I can get my twenty year service. Hopefully. Yep. It's it's all going well with himself as well. And that and that yes.\n\nMhmm. And that's pretty much what we're living on at the moment. Yeah. Okay. Because, like, we'll be able to save all once we get all of our loans paid off.\n\nAnd that's how we should have at least six to seven years before the entire of my loans all going well. Mhmm. Yes. That looks pretty good. We have been looking at it, but we just haven't, progress because we're gonna just come back from time away, and then we're gonna organize this wedding.\n\nAnd then we'll be sitting down. And that because our son's getting married. So so it's well, it is a big time. And then having all the kids come home together is another big thing. I don't but yes.\n\nWe we are aware we're we're we're we've been talking about it. We're just yeah. Gotta get a bit more active with it. Because, you know, we haven't got up. We've had to update our mother's everything of hers as well.\n\nSo yep. You still gotta do everything with the JP with those documents anyway? Yeah. I know. But we the health care is just for your choices towards your end of life here.\n\nAnd then what you if in case you have an accident, you're unconscious as well. Okay. Yep. It it stops also stops the doctors from overriding your wishes. And I I work in a hospital.\n\nI can tell you now they do. They push. Yeah. And that'd be a I work in aged care, so it's just I sleep too much. Mhmm.\n\nYes. Right. Yep. That's great. Yes.\n\nIt looks really good, actually. Yep. Yep. Alright. Yeah.\n\nYeah. As soon as I get back to work, because I still gotta get it signed off by the manager before submitting it back to payroll. And that so that's what I've gotta wait on then. Hopefully, he's back at work too. He's hard to get that up.\n\nYep. Alright. Yeah. Okay. Okay.\n\nSo do you just click on this signature thing here? It's it's spinning around now. Probably every six months. I don't know. I don't know.\n\nIt's just a quick text first to say I'm available. I don't know because such a huge work. I don't know what days I'm working too far in advance. K. Even though it says it's signed.\n\nYou you told I can't buy email. Alright. Alright. And then and I've got a little k. No.\n\nThat's fine. That's good. Okay. Okay. That's right.\n\nOkay. Thank you. Alright.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.05633778125047684},{"text":"Good.","start":7.68,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5295529961585999},{"text":"Thank you.","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.63990718126297},{"text":"Yeah.","start":13.04,"end":13.54,"sentiment":"neutral","sentiment_score":0.31115734577178955},{"text":"Yes.","start":27.525,"end":27.925,"sentiment":"neutral","sentiment_score":0.10781332850456238}],"sentiment":"positive","sentiment_score":0.38077930236856145,"num_words":6,"start":2.32,"end":27.925},{"sentences":[{"text":"Yep.","start":27.925,"end":28.425,"sentiment":"neutral","sentiment_score":0.09756620973348618},{"text":"The sixth of the sixty nine sixteen Chetham Drive, Kerwin four eight one 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somewhere 34,000 rollover to to you.","start":631.045,"end":634.505,"sentiment":"neutral","sentiment_score":0.08514722223792758},{"text":"And that yeah.","start":636.32495,"end":645.305,"sentiment":"neutral","sentiment_score":0.24783604592084885},{"text":"So have you done the role already yet?","start":648.85,"end":650.87,"sentiment":"neutral","sentiment_score":0.07667106995359063},{"text":"Okay.","start":656.05,"end":656.55,"sentiment":"neutral","sentiment_score":0.019259363412857056},{"text":"Yeah.","start":667.775,"end":668.09503,"sentiment":"neutral","sentiment_score":-0.01473898719996214}],"sentiment":"neutral","sentiment_score":0.09787138146348298,"num_words":20,"start":631.045,"end":668.09503},{"sentences":[{"text":"I was I thought it was automatically doing that before, but, obviously, it didn't happen.","start":668.09503,"end":673.155,"sentiment":"neutral","sentiment_score":-0.09490477939446768},{"text":"I am quite happy, you know, doing 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here?","start":1602.8,"end":1605.885,"sentiment":"neutral","sentiment_score":0.04441947974264622},{"text":"It's it's spinning around now.","start":1696.135,"end":1698.235,"sentiment":"neutral","sentiment_score":0.04027212634682655},{"text":"Probably every six months.","start":1750.595,"end":1752.055,"sentiment":"neutral","sentiment_score":0.013877145014703274},{"text":"I don't know.","start":1752.995,"end":1753.895,"sentiment":"neutral","sentiment_score":0.0011858753859996785},{"text":"I don't know.","start":1754.035,"end":1754.435,"sentiment":"neutral","sentiment_score":-0.04764353980620702}],"sentiment":"neutral","sentiment_score":0.02246764063835144,"num_words":25,"start":1602.8,"end":1754.435},{"sentences":[{"text":"It's just a quick text first to say I'm available.","start":1754.435,"end":1758.135,"sentiment":"neutral","sentiment_score":0.0011974763125181197},{"text":"I don't know because such a huge work.","start":1758.275,"end":1760.035,"sentiment":"neutral","sentiment_score":-0.0661973231472075},{"text":"I don't know what days I'm working too far in advance.","start":1760.035,"end":1763.99,"sentiment":"neutral","sentiment_score":-0.05579858357933434},{"text":"K.","start":1798.5299,"end":1798.7699,"sentiment":"neutral","sentiment_score":0.0023517897352576256},{"text":"Even though it says it's signed.","start":1798.7699,"end":1802.5299,"sentiment":"neutral","sentiment_score":-0.026436554578443367}],"sentiment":"neutral","sentiment_score":-0.03576821608779331,"num_words":36,"start":1754.435,"end":1802.5299},{"sentences":[{"text":"You you told I can't buy email.","start":1802.5299,"end":1804.745,"sentiment":"neutral","sentiment_score":-0.12928922580821173},{"text":"Alright.","start":1806.245,"end":1806.745,"sentiment":"neutral","sentiment_score":0.12105678021907806},{"text":"Alright.","start":1808.165,"end":1808.665,"sentiment":"neutral","sentiment_score":0.1810149997472763},{"text":"And then and I've got a little k.","start":1808.7251,"end":1813.9451,"sentiment":"neutral","sentiment_score":0.16417597327381372},{"text":"No.","start":1821.3501,"end":1821.67,"sentiment":"neutral","sentiment_score":0.039980702102184296}],"sentiment":"neutral","sentiment_score":0.041690871533420354,"num_words":18,"start":1802.5299,"end":1821.67},{"sentences":[{"text":"That's fine.","start":1821.67,"end":1822.39,"sentiment":"neutral","sentiment_score":0.08502229303121567},{"text":"That's good.","start":1822.39,"end":1823.13,"sentiment":"positive","sentiment_score":0.828914076089859},{"text":"Okay.","start":1835.8251,"end":1836.3251,"sentiment":"neutral","sentiment_score":0.01160373818129301},{"text":"Okay.","start":1851.08,"end":1851.58,"sentiment":"neutral","sentiment_score":0.33026063442230225},{"text":"That's right.","start":1852.1969,"end":1853.0969,"sentiment":"positive","sentiment_score":0.6610654592514038}],"sentiment":"positive","sentiment_score":0.43648350366856903,"num_words":8,"start":1821.67,"end":1853.0969},{"sentences":[{"text":"Okay.","start":1856.9169,"end":1857.4169,"sentiment":"neutral","sentiment_score":0.26531875133514404},{"text":"Thank you.","start":1857.4769,"end":1858.2169,"sentiment":"positive","sentiment_score":0.4884400963783264},{"text":"Alright.","start":1859.877,"end":1860.377,"sentiment":"neutral","sentiment_score":0.12238652259111404}],"sentiment":"positive","sentiment_score":0.34114636667072773,"num_words":4,"start":1856.9169,"end":1860.377}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Allison. It's Tommy here, senior adviser from Oakview. How are you doing?\n\nChannel 1: Good. Thank you.\n\nChannel 0: Just giving you a call to go through an updated advice strategy, and\n\nChannel 1: Yeah.\n\nChannel 0: I do appreciate you going through that QSuper research for us. Do you still have a bit of time for me? Amazing. So I'm gonna pop this through to your email. But just while I'm doing that, I just need to go through a quick security check with you.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Now could I please confirm your date of birth and address, please?\n\nChannel 1: The sixth of the sixty nine sixteen Chetham Drive, Kerwin four eight one seven.\n\nChannel 0: Sensational. And is your Yahoo email still okay for this document?\n\nChannel 1: Yes.\n\nChannel 0: Amazing. So I'll pop that through to you now. I'll let you know what's kind of coming because there's a few, like, research appendixes alongside it and some product documents from the providers, just some updates there\n\nChannel 1: Mhmm.\n\nChannel 0: for you. And because you've used our new system before, this should go right through to your main inbox pretty quickly there. Will you better look onto the documents with me today?\n\nChannel 1: Yep. I'm just logging in to my email now.\n\nChannel 0: No worries. Now just while you go into the email, I just wanna let you know that I've gone through the updated research and comparisons there for your portfolio, the q super, and some contributions advice. And I've sort of limitedly factored in Albert's assets and super as well because now that you're kind of ten years off of that retirement age, we kind of wanna walk through what retirement actually looks like for you guys and give you a bit of an update on how that's looking in terms of projections.\n\nChannel 1: Okay.\n\nChannel 0: K. So just let me know when you can see the the email there. And inside, when you hit sign now, it'll bring up the documents to review with me. And we\n\nChannel 1: It\n\nChannel 0: just\n\nChannel 1: says\n\nChannel 0: wanna\n\nChannel 1: on\n\nChannel 0: go\n\nChannel 1: document.\n\nChannel 0: through a yeah. So when you hit\n\nChannel 1: Okay.\n\nChannel 0: that, it'll bring up the advice document to run through together. And you should see a lovely Gold Coast picture there or the beach.\n\nChannel 1: Okay.\n\nChannel 0: Alright. Can you see that okay? Is the writing\n\nChannel 1: Yes.\n\nChannel 0: quite clear?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So with these advice documents, we always have our licensing details on the front just to let you know that we're obviously registered with ASIC and who you're speaking to. And if you go through to pages three and four, I just wanna kind of refresh you on the scope of this advice. There should be a scope of advice heading.\n\nChannel 1: Schedule of all is considered.\n\nChannel 0: Yep. So the main things here is we've got the q super and the hub 24. We were looking at doing a bit of movement of funds between the two accounts and just reviewing your portfolio because although it was performing well, there was a a couple of options there that were dragging their feet a little bit, and we were looking for some kind of low fee replacements if that rings a bell.\n\nChannel 1: Mhmm.\n\nChannel 0: K? Now one of the discussions you had with Kyle was in terms of just bumping up your contributions for the salary sacrifice. So\n\nChannel 1: Yes.\n\nChannel 0: I've factored in the five to the seven and a half percent. And as you might know, they've raised the cap for contributions this financial year as well, so you're well within the cap as well.\n\nChannel 1: Oh, I am. I wasn't quite sure. I haven't filled out the forms. I've only just found them on my HR work, and then I still have to get my boss to sign it and all\n\nChannel 0: One thing I would let you know as well because\n\nChannel 1: that.\n\nChannel 0: the the forms are a little bit funky for q super is most people I've seen that have filled in those forms, they put in your extra contributions as personal rather\n\nChannel 1: Mhmm.\n\nChannel 0: than salary sacrifice. And there's a little tiny box on the first or second page that says, if you would like to salary sacrifice pretax to speak to, like, payroll and things like that. So it may actually be worth skipping the form and actually talking to payroll possibly.\n\nChannel 1: Oh, yeah. Now they just sent me back to the form. Been\n\nChannel 0: Yeah.\n\nChannel 1: there. Sorry.\n\nChannel 0: Lovely. So they've been a great help. That's great to hear.\n\nChannel 1: Because I've already asked them. I said, I wanna increase my my super contributions that I'm which is because at the moment, it's mandatory for us with Queensland Health to do 5%\n\nChannel 0: Yeah.\n\nChannel 1: on that. So that's what happens now on that, and that's classed as salary sacrifice.\n\nChannel 0: Perfect. Perfect. Because one thing we don't want to happen is for them to be putting it through as nonconcessional rather than salary sacrifice, and then you've gotta do paperwork every year to try and claim it for your tax return.\n\nChannel 1: Alright.\n\nChannel 0: So I just wanted to kind of give you that heads up because I've seen it happening quite a lot lately, just as they go through EBA agreement updates for all the different public sectors as well.\n\nChannel 1: Mhmm. Alright.\n\nChannel 0: Alrighty.\n\nChannel 1: Because\n\nChannel 0: So\n\nChannel 1: they now changed our super contributions as well. It's not once a month. It's fortnightly now.\n\nChannel 0: yeah. And is\n\nChannel 1: Oh,\n\nChannel 0: that how\n\nChannel 1: every\n\nChannel 0: often you\n\nChannel 1: payslip.\n\nChannel 0: get paid?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I get paid fortnightly, so it'll be paid fortnightly. It came up on my payslip when I checked it yesterday.\n\nChannel 0: That's perfect too because it means more regular contributions kind of smooth out through the year, and more regular buys just means that you're not at the mercy of, you know, big contribution goes in and the stock market crashes. Right? Now in terms of what's not being considered in this document is we've just done a few reminders in terms of estate planning about beneficiaries' wills and powers of attorney. But in terms of insurances, we were just trying to keep in place what you had with q super for the time being.\n\nChannel 1: Yep.\n\nChannel 0: In terms of cash flow and debt management, we've got your focus on obviously paying down debts and building up your savings and so on, bit of travel. So we're obviously not giving you recommendations on that in this document. It's just to note what your goals are\n\nChannel 1: Yeah.\n\nChannel 0: and keep track of them with you.\n\nChannel 1: Yeah. We've got about three years or four years max with everything to be paid off.\n\nChannel 0: Yep. Amazing.\n\nChannel 1: Alright. So, you\n\nChannel 0: Help.\n\nChannel 1: know, I'm just looking at the at that 60, 61 mark at the moment.\n\nChannel 0: Yep. And I've got retirement still set at the moment to 67, and\n\nChannel 1: Uh-huh.\n\nChannel 0: I realized that we've kind of got Albert down to maybe hang up the boots in eight years, maybe yourself in ten years. So I'm just as we get closer and closer along, we're just factoring in and updating projections for when you guys time the retirement.\n\nChannel 1: Yeah. We wanted to try and Okay. Depending on health. Retire at the same time. Because\n\nChannel 0: Yep.\n\nChannel 1: I used to retire separately.\n\nChannel 0: Yeah.\n\nChannel 1: You know, you can't go anywhere or do anything because one's still working.\n\nChannel 0: Be much nicer to just both be on the same trips and bit easier for planning flights and the like, I imagine.\n\nChannel 1: Yeah. I know. It's it's hard getting the same time off together at\n\nChannel 0: Yeah. I can imagine.\n\nChannel 1: the moment.\n\nChannel 0: I can imagine.\n\nChannel 1: I know. So we are at the at the moment on leave.\n\nChannel 0: Yep.\n\nChannel 1: Just come back from time away.\n\nChannel 0: Okay. And then back this week or back next week?\n\nChannel 1: Oh, no. I don't get back until August 2. Third\n\nChannel 0: Oh,\n\nChannel 1: of\n\nChannel 0: amazing.\n\nChannel 1: August.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. And we've\n\nChannel 0: Nice\n\nChannel 1: got\n\nChannel 0: relaxing\n\nChannel 1: a family\n\nChannel 0: time.\n\nChannel 1: wedding and everything coming up. So and that big thing. A lot of family coming around.\n\nChannel 0: Yeah. Absolutely. And I do appreciate you taking a bit of your morning to speak with me today.\n\nChannel 1: That's\n\nChannel 0: It's\n\nChannel 1: alright.\n\nChannel 0: one of those things where if we just spend that half an hour going through a few things together, it lets us sort it\n\nChannel 1: Mhmm.\n\nChannel 0: out in the background for you, and\n\nChannel 1: Yep.\n\nChannel 0: I definitely do appreciate the time.\n\nChannel 1: Yeah. And that because my status in work wise changed dramatically in January. Went from, you know, working two or three days a week to five days a week.\n\nChannel 0: Yes.\n\nChannel 1: So bit of an adjustment.\n\nChannel 0: Swung back up to full time.\n\nChannel 1: Yes.\n\nChannel 0: Alright. So that would mean that the details that I've got in this document on July, the about you section, that should be pretty up to date then because I've got\n\nChannel 1: Yep.\n\nChannel 0: you listed as full time in the nursing, 75,000. Assets was the two cars and the savings, and a personal loan.\n\nChannel 1: Yeah. The timeline and the personal line.\n\nChannel 0: Yep. Perfect. Alright. Now if you can swing down to pages ten and eleven for me, it'll come up with a risk profile section.\n\nChannel 1: Okay. What was it? Paid as well, was it? 10.\n\nChannel 0: Ten and eleven.\n\nChannel 1: Okay.\n\nChannel 0: Just\n\nChannel 1: So\n\nChannel 0: sometimes the Odoo system has a different page number than the document does by one,\n\nChannel 1: yeah.\n\nChannel 0: so either\n\nChannel 1: So\n\nChannel 0: one\n\nChannel 1: you\n\nChannel 0: will\n\nChannel 1: got\n\nChannel 0: work.\n\nChannel 1: this profile?\n\nChannel 0: Yep. And we've still got you as balanced growth at the moment.\n\nChannel 1: Yep. I'm not a risk taker.\n\nChannel 0: No. So just bear in mind that's kind of that 3.5 out of five. It's that medium side of things.\n\nChannel 1: Yep.\n\nChannel 0: It's still focusing on growth with a nice healthy bit of protection. And then as you get closer and closer to retirement, we're pretty much going to have a discussion about when we reduce risk. Because at some point, we'll probably wanna get you into a bit more of a moderate or conservative position even if it's right up when you do actually retire just to make sure that, you know, a day before retirement, you're not losing a healthy chunk of super due to the markets.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay? So balanced growth is what we're doing at the moment. And if you go down past there, there's a pretty word heavy section after that called strategy recommendations that I wanna kind of summarize with you.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Alright. So what we're pretty much recommending is we're updating the investments inside Hub. Now we're replacing that one that was dragging its feet a little bit, but we're doing a full portfolio rebalance for you. In addition to that, we're recommending that you do the usual sweep across from q super into hub and still maintain that 10,000 for the insurances just up until the point when they become irrelevant.\n\nChannel 1: Yes.\n\nChannel 0: K? We're also recommending a little bit further down the salary sacrifice increase and just showing you the differences that we'll have. But if you can go through for me and scroll through, you will see some\n\nChannel 1: Okay.\n\nChannel 0: tables coming up for advantages and disadvantages.\n\nChannel 1: K. Got somewhere 34,000 rollover to to you. And that\n\nChannel 0: And that's all based on that updated research. So now that we got the rundown from q super nice and updated,\n\nChannel 1: yeah.\n\nChannel 0: we've got some new balances to work with, which is perfect.\n\nChannel 1: So have you done the role already yet?\n\nChannel 0: No. So once we get your consent from this document, we will action everything after that.\n\nChannel 1: Okay.\n\nChannel 0: K? We've also included in here that we can do yearly rollovers. So if you're comfortable with that, unless there's major changes to either fund, we can just do that sweep across each year for you without\n\nChannel 1: Yeah. I\n\nChannel 0: having\n\nChannel 1: was\n\nChannel 0: to go\n\nChannel 1: I\n\nChannel 0: through.\n\nChannel 1: thought it was automatically doing that before, but, obviously, it didn't happen.\n\nChannel 0: Yeah. There was a bit of a with the legislation, we have to go through, I guess, the pros and cons of moving between the accounts quite regularly, especially if there's any product changes. So I've included in this document that we will do those regular ones so that we don't have to keep refreshing a 40 page document every time you wanna do a movement across.\n\nChannel 1: I am quite happy, you know, doing that. The the once a year that builds it up once, and then you just do a big one big lump sum\n\nChannel 0: Yeah.\n\nChannel 1: every on\n\nChannel 0: That's\n\nChannel 1: a on a\n\nChannel 0: perfect.\n\nChannel 1: 12 monthly basis. It's it's quite good. And\n\nChannel 0: Now\n\nChannel 1: that's what I thought was still happening, but and then but yeah. It's alright.\n\nChannel 0: yeah. We're\n\nChannel 1: We're getting\n\nChannel 0: navigating\n\nChannel 1: there.\n\nChannel 0: the old legislation changes at the moment, and I've just changed the anti money laundering laws. So updating identification regularly is pretty important too. So navigating all the fun stuff with all the budget, it's been a a good couple of months.\n\nChannel 1: Yeah. I've had to really put a a a a three security system on my bank account.\n\nChannel 0: Yeah.\n\nChannel 1: And that because scam is just life.\n\nChannel 0: And it's getting worse every year at the moment. Now, Allison, one part I wanna walk you through as well. Can you see on that strategy page there, I've got in bold a paragraph heading best interest duty.\n\nChannel 1: Alright. Which page is that? I've\n\nChannel 0: So that's\n\nChannel 1: got\n\nChannel 0: still on page 12. It's above the risks,\n\nChannel 1: wrist.\n\nChannel 0: but you can stay\n\nChannel 1: Yep.\n\nChannel 0: down there. I'll just kind of walk you through it. We'll\n\nChannel 1: Okay.\n\nChannel 0: go to\n\nChannel 1: So\n\nChannel 0: the\n\nChannel 1: hang\n\nChannel 0: tables,\n\nChannel 1: on.\n\nChannel 0: actually. So if you go\n\nChannel 1: A\n\nChannel 0: a bit\n\nChannel 1: 12.\n\nChannel 0: further down, let's go to sixteen and seventeen together because it'll probably be easier with a visual here.\n\nChannel 1: K. 16. Yep.\n\nChannel 0: And you'll see a big blue investment table.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So we've included the q super at the top, which is the sweep across. You're in the lifetime focus group one, So that still pretty much aligns with the balanced growth risk profile. And what we've been recommending, if you go on the next page, you'll see all these different green and red figures for rebalancing your hub portfolio. Now the main thing here is that all of the options that are switching are pretty well, like, like for like switches.\n\nSo if there's a conservative one, we're just updating it to a new conservative one that's a little bit better on fees and performance. The main one for you is just removing that Benelon concentrated shares, which was probably the only one that was performing poorly. And at the bottom of that table on the next page, you'll see beta shares Australia 200. Can you see that one there? It's like the second last row.\n\nChannel 1: Yep. I can see that.\n\nChannel 0: So that's the replacement for the Benelong option because one of the conversations you have with Carl was going a little bit more, like, passive, low fee style of investment. So this one pretty much brings you from, like, a 0.9% fee to a 0.2. So it's a huge fee savings, and the performance over one three five in ten years is much, much better. And this\n\nChannel 1: Mhmm.\n\nChannel 0: kind of brings everything back into line with where we want it to be. So if you keep going a little bit further, you will see the pie chart for your asset allocation. Nice colorful chart there.\n\nChannel 1: Australian share, international share,\n\nChannel 0: Yep.\n\nChannel 1: and six inches worth.\n\nChannel 0: And the main thing here is that full balance growth, you wanna be sitting at around about 70 to 75% in growth assets, which is that middle row in gray, just to let you know that we're still keeping everything pretty well in line with that risk level with all of the rebalances and options being switched out. It'll be the right amount of high risk, high return, and the right amount of safe assets, which is about a quarter.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if you go just below that, you've got a fee comparison and a projection update for you, And this is where I wanted to walk you through the retirement outcome.\n\nChannel 1: Okay.\n\nChannel 0: So at the top, when we switch all of these options, because you're in hub, we have a bit more control under the hood with what we buy and sell and how that affects your super in terms of capital gains tax inside and under the hood. Now with all of the switches we're recommending, it only came out to be about $91 of tax inside the super. Normally, I would expect it to be about 800 to 2,000. So there wasn't very much there at all.\n\nChannel 1: That's good.\n\nChannel 0: On the right hand column, you'll see a difference about third row. Investment fee goes down $578. Now that is essentially a halving of your investment fees with Hub by going for these lower fee investments.\n\nChannel 1: Okay.\n\nChannel 0: The performance bumps it back up again. So for balance growth, you kinda wanna be getting a consistent seven to 8% average return. This brings you back from just under six to just under 10 over the last five years.\n\nChannel 1: Okay.\n\nChannel 0: Now that affects the projection. So currently, you were kind of aiming for a little over 300,000. With the salary sacrifice, the rollover, and the new investments, you're looking more about $4.22 over the next ten years conservatively.\n\nChannel 1: Okay.\n\nChannel 0: Now how that works for retirement is when you get to 67, let's just say 67 is today, we can put you into a pension account and start pulling out about five to 10% of your super. So what that will do is you will be able to healthily pull out between 400 and $800 a week or 800 to 1,600 a fortnight in terms of tax free income on top of\n\nChannel 1: Mhmm.\n\nChannel 0: anything that you get with the age pension as well.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: So I'm\n\nChannel 0: you\n\nChannel 1: I'm actually I'll just let you know. I'm actually looking at retiring March at 67.\n\nChannel 0: March is '67. Perfect. So let's\n\nChannel 1: The\n\nChannel 0: say\n\nChannel 1: reason\n\nChannel 0: you get\n\nChannel 1: being\n\nChannel 0: this.\n\nChannel 1: is that I will get twenty years service long service.\n\nChannel 0: Amazing. Okay. Well, I haven't factored in the long service leave into here, so that's a nice little bonus.\n\nChannel 1: Yeah. I just used some of my long service leave because I've just had March this year was my ten year.\n\nChannel 0: Right. Okay. That'll be perfect timing then.\n\nChannel 1: Yeah. That's what I'm gonna well, I'm hoping by all cancer that we'd be well enough and should be well enough. But but I'm with what I'm what I'm doing health wise now is that we can retire in March thirty seven is what we're what I'm aiming for so I can get my twenty year service.\n\nChannel 0: And Albert around the same time?\n\nChannel 1: Hopefully. Yep.\n\nChannel 0: Yep.\n\nChannel 1: It's it's\n\nChannel 0: Health\n\nChannel 1: all going\n\nChannel 0: permitting?\n\nChannel 1: well with himself as well.\n\nChannel 0: Yep.\n\nChannel 1: And that and that yes.\n\nChannel 0: Well, perfect. That means that because he's got a little bit more super than you do, by that point, you guys should be able to pull out easily about 800 to $1,000 each from the super and get a little bit of a supplement from the age pension on top of that. So, realistically,\n\nChannel 1: Mhmm.\n\nChannel 0: I think combined, you guys will be on about $2,000 a week equivalent after tax to live\n\nChannel 1: And\n\nChannel 0: on\n\nChannel 1: that's pretty\n\nChannel 0: in retirement.\n\nChannel 1: much what we're living on at the moment.\n\nChannel 0: Yep. Alrighty. So I'm basically saying we're on track as long as we can kind of, again, help meeting get through to that period with the right returns and the right contributions, you should be good. Worst case scenario, you know, if things go really bad in the world, we may have to work for an extra year or if health kind of causes you to retire a bit earlier, it just means that maybe the funds last a little bit less. So instead of depleting in age 94, they may run out of age 92 or something like that.\n\nChannel 1: Yeah.\n\nChannel 0: But as you use the super funds, the pension will increase as well to sort of offset a big portion of that.\n\nChannel 1: Okay. Because, like, we'll be able to save all once we get all of our loans paid off.\n\nChannel 0: Yeah. Exactly. So it all kind of compounds together pretty nicely.\n\nChannel 1: And that's how we should have at least six to seven years before the entire of my loans all going well.\n\nChannel 0: And in top of that, when we hit 60, we can do a transition to retirement strategy where you can access a portion of your super, pull it out, and kind of put it back in again for a tax deduction. And the differences in the taxes will actually boost up the super another few $100 a year as well. So there's a few other strategies we can do with you guys over the next three to five years. So that'll just kind of refine things a bit better and make it a bit more of a certainty rather than a probability.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay? So that's the super recommendations after that in the document. It just updates you on what the salary sacrifice looks like because, obviously, if you salary sacrifice five to seven and a half percent of your income, that's not going to impact your take home pay by the full amount because it is using pretax dollars as long as the employer does that properly.\n\nChannel 1: Yes.\n\nChannel 0: K. Any questions on the recommendations so far?\n\nChannel 1: That looks pretty good.\n\nChannel 0: Okay. And in addition to that, the only part that I wasn't a 100% certain on was just in terms of the estate planning side of things because we've got the contributions roll over the investments. We've got you guys on the partnered fee discount with Oakview of 1.1%. The insurances are being kept in place. I just wanted to double check with you in terms of wills and the power of attorney.\n\nWas that something that you guys are actively pursuing\n\nChannel 1: We have been\n\nChannel 0: to\n\nChannel 1: looking at it,\n\nChannel 0: update?\n\nChannel 1: but we just haven't,\n\nChannel 0: Yep.\n\nChannel 1: progress because we're gonna just come back from time away, and then we're gonna organize this wedding. And then we'll be sitting down. And that\n\nChannel 0: Perfect.\n\nChannel 1: because our\n\nChannel 0: Well\n\nChannel 1: son's getting married. So so it's\n\nChannel 0: and that's\n\nChannel 1: well,\n\nChannel 0: a big time.\n\nChannel 1: it is a big time. And then\n\nChannel 0: It's a big time.\n\nChannel 1: having all the kids come home together is\n\nChannel 0: Yep.\n\nChannel 1: another big thing. I don't but yes. We we are aware we're we're we're we've been talking about it. We're just yeah. Gotta get a bit more active with it.\n\nChannel 0: Yep. K.\n\nChannel 1: Because, you know, we haven't got up. We've had to update our mother's everything of hers as well. So\n\nChannel 0: K. And I think in your state, there's even things like advanced health care directives.\n\nChannel 1: yep.\n\nChannel 0: They kinda split that power of attorney into financial and medical as well as the will. So there's a few little things there. And, look, I'm not gonna say, hey. Go to the post office and get a $25 kit from those posts. Maybe worth sitting down with someone or even, you know, the trustee at the courthouse and so on.\n\nBut\n\nChannel 1: You still\n\nChannel 0: if you\n\nChannel 1: gotta\n\nChannel 0: guys\n\nChannel 1: do everything with the JP\n\nChannel 0: are\n\nChannel 1: with those documents\n\nChannel 0: yeah.\n\nChannel 1: anyway?\n\nChannel 0: It's gotta be certified and witnessed and everything properly anyway.\n\nChannel 1: Yeah. I know. But we the health care is just for your choices towards your end of life here.\n\nChannel 0: Yeah.\n\nChannel 1: And then what you if in case you have an accident, you're unconscious as well.\n\nChannel 0: Yep. Who can\n\nChannel 1: Okay.\n\nChannel 0: act on your behalf, talk to the doctors without too much\n\nChannel 1: Yep.\n\nChannel 0: delay?\n\nChannel 1: It it stops also stops the doctors from overriding your wishes.\n\nChannel 0: Yes. Absolutely.\n\nChannel 1: And I I work\n\nChannel 0: So\n\nChannel 1: in a hospital. I can tell you now they do.\n\nChannel 0: I know.\n\nChannel 1: They push.\n\nChannel 0: Even look. Even maternity care when people have babies, I've know I've seen and heard quite a few horror stories I can imagine when it comes to elderly and aged care. They're not always the nicest. So if that's something that you already understand the importance of, I'll just include that reminder to check up next time we speak and see how you went with it.\n\nChannel 1: Yeah. And that'd be a I work in aged care, so it's just I\n\nChannel 0: Yeah. I can imagine. It'll be very, very good to get to a point soon where you're\n\nChannel 1: sleep\n\nChannel 0: self contained, where you've got all the documents in place, you've got all your accounts set up ready\n\nChannel 1: too\n\nChannel 0: to\n\nChannel 1: much.\n\nChannel 0: go, and then you don't have to worry too much about relying on all these other systems and people and the influence\n\nChannel 1: Mhmm.\n\nChannel 0: that they can have.\n\nChannel 1: Yes. Right.\n\nChannel 0: Because the nicest thing that we like to do is when people get to that pension age and we set up their pension account and, oh, look. We need to pull out 15,000 to go on our holiday. Here you go. Pops out with that regular income, and then we get to see the photos when they come back. Client sending us photos from overseas is always nice.\n\nAnd, look, we're not too far off there, but we've got a pretty important ten years to get you guys as much as we can.\n\nChannel 1: Yep. That's great.\n\nChannel 0: Cool. Alison, does everything make sense so far? Do you like the plan that we've come up with?\n\nChannel 1: Yes. It looks really good, actually.\n\nChannel 0: Perfect. So the only caveat I'll give is that, look, once this is signed, we can basically hop on, move the investments around, do the rollovers, and all that kind of thing. I would just, again,\n\nChannel 1: Yep.\n\nChannel 0: proceed with caution with that payroll and the forms just to make sure they are doing pretax salary sacrifice. Otherwise, we can help with the forms, but it would be nice for them to have that set up properly.\n\nChannel 1: Yep. Alright. Yeah. Yeah. As soon as I get back to work, because I still gotta get it signed off by the manager before submitting\n\nChannel 0: Yeah.\n\nChannel 1: it back to payroll. And that so that's what I've gotta wait on then. Hopefully, he's back at work too.\n\nChannel 0: Yeah. And,\n\nChannel 1: He's\n\nChannel 0: look,\n\nChannel 1: hard to\n\nChannel 0: if\n\nChannel 1: get\n\nChannel 0: there's\n\nChannel 1: that up.\n\nChannel 0: any questions or confusion on their end, you can just give us a call, send us an email. We'd be happy to send you guys an email with extra explanations or answer any questions you might have just to make sure it's done properly. So please feel free if anything seems a bit amiss just to give us a buzz.\n\nChannel 1: Yep. Alright.\n\nChannel 0: Awesome. Alright. I will leave this one with you today, and I will check when we've got Albert booked in. But what I'm basically gonna do from here is just kind of keep factoring both of you guys and your super in as, like, a bit of a joint retirement goal as we get closer and closer to the date. Even though there's a couple of different years between you guys, I just wanna make sure that we're factoring it all in because Centrelink will become important as well for pension assets tests and things like that.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K. Just gonna have a quick look at Albert's account here. Yeah. So I'll touch base with the team and see if he I think he might actually be due for his review as well, but I'll have a little bit of a look in and reach out to him.\n\nChannel 1: Okay. So do you just click on this signature thing here?\n\nChannel 0: Yeah. So when you do that, it will bring you down to the section to sign, which is the authority to proceed. It will stamp a signature, name, and date on there. And if you wanna draw the signature like your license, you can click on it and do so. It's not a requirement for us.\n\nAnd then it'll pretty much have once you've signed everything, it'll have a validate button. But first, I believe you do actually have to skip through the documents. So rather than scrolling through all 2,000 pages, there'll be those purple buttons, and they will bring you first to the sign section. And then second, they will just say next document, next document. And I think there's about four product documents to kind of skip through.\n\nOnce you've gotten to the last document, it'll ask you to validate and give you an offer to save a signed copy for your own records. And I must warn as well, sometimes depending on your Internet connection, when you get to that last validate button, it may actually have a little spinning circle loading for a little bit of time. Sometimes it's a few seconds. Sometimes it's a it's a minute. So just let me know how you go there.\n\nChannel 1: It's it's spinning around now.\n\nChannel 0: Yep. Doing its fun thing. And, Allison, just while that's loading there, do you have a preference in terms of contact frequency? Do you want me to just kind of pencil in for your next annual review, or do you want me to just make sure we touch base every three to six months? What would be the preference for you guys?\n\nChannel 1: Probably every six months.\n\nChannel 0: Yep.\n\nChannel 1: I don't know. I don't know. It's just a quick text first to say I'm available. I don't know because such a huge work. I don't know what days I'm working too far in advance.\n\nChannel 0: Yeah. No. That's fair enough. So a bit of a we'll always do, like, a a quick call attempt. But if you just, you know, hang up on that, we'll send you a text.\n\nI think, yeah, I think we've got you set up for a bit of a a conversation towards Christmas time. So before the year ends, we'll touch base again, and then we'll go through a bit more in-depth again end of financial near next year as well. Alright. That's come through signed, Allison. I don't know if that's loaded on\n\nChannel 1: K.\n\nChannel 0: your\n\nChannel 1: Even\n\nChannel 0: side.\n\nChannel 1: though it says it's signed. You you told I can't buy email. Alright.\n\nChannel 0: Perfect.\n\nChannel 1: Alright. And then and I've got\n\nChannel 0: Alright.\n\nChannel 1: a little k.\n\nChannel 0: Amazing. Is there anything else I can do for you before I let you enjoy the rest of your holiday?\n\nChannel 1: No. That's fine. That's good.\n\nChannel 0: Perfect. Well, like I said, we'll jump on to that this week, get the investments moved around. Rollovers will probably happen. I know QSuper is just a bit of a lag at the moment within the financial year. So hopefully\n\nChannel 1: Okay.\n\nChannel 0: next week or the week after, and then just keep an ear out. We'll touch base with you guys towards the end of the year and see how you went with, obviously, the wheels and everything and and to see how the new portfolio is tracking as well.\n\nChannel 1: Okay. That's\n\nChannel 0: Amazing,\n\nChannel 1: right.\n\nChannel 0: Allison. Thank you so much for your time, and I'll talk to you again soon.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Alright.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.05633778125047684}],"sentiment":"neutral","sentiment_score":0.05633778125047684,"channel":1,"num_words":1,"start":2.32,"end":2.82},{"sentences":[{"text":"Good morning, Allison.","start":3.6,"end":4.56,"sentiment":"positive","sentiment_score":0.36023736993471783},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.56,"end":6.72,"sentiment":"neutral","sentiment_score":0.27343882407460895},{"text":"How are you doing?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.2692471221089363}],"sentiment":"neutral","sentiment_score":0.2908408833401544,"channel":0,"num_words":14,"start":3.6,"end":7.54},{"sentences":[{"text":"Good.","start":7.68,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5295529961585999},{"text":"Thank you.","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.63990718126297}],"sentiment":"positive","sentiment_score":0.6031224528948466,"channel":1,"num_words":3,"start":7.68,"end":8.66},{"sentences":[{"text":"Just giving you a call to go through an updated advice strategy, and","start":9.28,"end":13.139999,"sentiment":"neutral","sentiment_score":0.31247105392125935}],"sentiment":"neutral","sentiment_score":0.31247105392125935,"channel":0,"num_words":13,"start":9.28,"end":13.139999},{"sentences":[{"text":"Yeah.","start":13.04,"end":13.54,"sentiment":"neutral","sentiment_score":0.31115734577178955}],"sentiment":"neutral","sentiment_score":0.31115734577178955,"channel":1,"num_words":1,"start":13.04,"end":13.54},{"sentences":[{"text":"I do appreciate you going through that QSuper research for us.","start":13.2,"end":16.415,"sentiment":"positive","sentiment_score":0.5849688215689226},{"text":"Do you still have a bit of time for me?","start":16.415,"end":18.275,"sentiment":"neutral","sentiment_score":0.1931082859635353},{"text":"Amazing.","start":19.535,"end":20.035,"sentiment":"positive","sentiment_score":0.4561041891574859},{"text":"So I'm gonna pop this through to your email.","start":20.175,"end":22.735,"sentiment":"neutral","sentiment_score":0.27757033209005993},{"text":"But just while I'm doing that, I just need to go through a quick security check with you.","start":22.735,"end":26.91,"sentiment":"neutral","sentiment_score":0.1346888393163681}],"sentiment":"neutral","sentiment_score":0.28049747311339085,"channel":0,"num_words":49,"start":13.2,"end":26.91},{"sentences":[{"text":"Yes.","start":27.525,"end":27.925,"sentiment":"neutral","sentiment_score":0.10781332850456238},{"text":"Yep.","start":27.925,"end":28.425,"sentiment":"neutral","sentiment_score":0.09756620973348618}],"sentiment":"neutral","sentiment_score":0.10268976911902428,"channel":1,"num_words":2,"start":27.525,"end":28.425},{"sentences":[{"text":"Now could I please confirm your date of birth and address, please?","start":29.15,"end":32.69,"sentiment":"neutral","sentiment_score":0.0642407728979985}],"sentiment":"neutral","sentiment_score":0.0642407728979985,"channel":0,"num_words":12,"start":29.15,"end":32.69},{"sentences":[{"text":"The sixth of the sixty nine sixteen Chetham Drive, Kerwin four eight one seven.","start":33.48,"end":38.38,"sentiment":"neutral","sentiment_score":0.031195305287837982}],"sentiment":"neutral","sentiment_score":0.031195305287837982,"channel":1,"num_words":14,"start":33.48,"end":38.38},{"sentences":[{"text":"Sensational.","start":39.165,"end":39.665,"sentiment":"neutral","sentiment_score":0.11321564018726347},{"text":"And is your Yahoo email still okay for this document?","start":40.045,"end":43.905,"sentiment":"neutral","sentiment_score":0.05801597610116005}],"sentiment":"neutral","sentiment_score":0.0630341273817149,"channel":0,"num_words":11,"start":39.165,"end":43.905},{"sentences":[{"text":"Yes.","start":44.375,"end":44.875,"sentiment":"neutral","sentiment_score":0.22474658489227295}],"sentiment":"neutral","sentiment_score":0.22474658489227295,"channel":1,"num_words":1,"start":44.375,"end":44.875},{"sentences":[{"text":"Amazing.","start":45.324997,"end":45.824997,"sentiment":"positive","sentiment_score":0.4394659698009491},{"text":"So I'll pop that through to you now.","start":45.885,"end":47.245,"sentiment":"positive","sentiment_score":0.35185808688402176},{"text":"I'll let you know what's kind of coming because there's a few, like, research appendixes alongside it and some product documents from the providers, just some updates there","start":47.245,"end":55.550003,"sentiment":"neutral","sentiment_score":0.20232743663447245}],"sentiment":"neutral","sentiment_score":0.2410675375848203,"channel":0,"num_words":37,"start":45.324997,"end":55.550003},{"sentences":[{"text":"Mhmm.","start":55.35,"end":55.85,"sentiment":"neutral","sentiment_score":0.10942599177360536}],"sentiment":"neutral","sentiment_score":0.10942599177360536,"channel":1,"num_words":1,"start":55.35,"end":55.85},{"sentences":[{"text":"for you.","start":55.550003,"end":56.210003,"sentiment":"neutral","sentiment_score":0.12569129839539528},{"text":"And because you've used our new system before, this should go right through to your main inbox pretty quickly there.","start":56.510002,"end":62.91,"sentiment":"neutral","sentiment_score":0.2830236732959747},{"text":"Will you better look onto the documents with me today?","start":62.91,"end":65.325,"sentiment":"neutral","sentiment_score":0.11952018737792969}],"sentiment":"neutral","sentiment_score":0.22209556051529944,"channel":0,"num_words":32,"start":55.550003,"end":65.325},{"sentences":[{"text":"Yep.","start":65.59,"end":66.09,"sentiment":"neutral","sentiment_score":0.0849282369017601},{"text":"I'm just logging in to my email now.","start":66.229996,"end":68.89,"sentiment":"neutral","sentiment_score":0.0612912280485034}],"sentiment":"neutral","sentiment_score":0.06391756236553192,"channel":1,"num_words":9,"start":65.59,"end":68.89},{"sentences":[{"text":"No worries.","start":69.325,"end":69.805,"sentiment":"neutral","sentiment_score":0.1084175705909729},{"text":"Now just while you go into the email, I just wanna let you know that I've gone through the updated research and comparisons there for your portfolio, the q super, and some contributions advice.","start":69.805,"end":81.3,"sentiment":"neutral","sentiment_score":0.1485227832899374},{"text":"And I've sort of limitedly factored in Albert's assets and super as well because now that you're kind of ten years off of that retirement age, we kind of wanna walk through what retirement actually looks like for you guys and give you a bit of an update on how that's looking in terms of 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a yeah.","start":110.5,"end":111.94,"sentiment":"neutral","sentiment_score":0.04548585042357445},{"text":"So when you hit","start":111.94,"end":112.58,"sentiment":"neutral","sentiment_score":0.0540058771148324}],"sentiment":"neutral","sentiment_score":0.05035443710429328,"channel":0,"num_words":7,"start":110.5,"end":112.58},{"sentences":[{"text":"Okay.","start":112.545,"end":113.045,"sentiment":"neutral","sentiment_score":0.07374631613492966}],"sentiment":"neutral","sentiment_score":0.07374631613492966,"channel":1,"num_words":1,"start":112.545,"end":113.045},{"sentences":[{"text":"that, it'll bring up the advice document to run through together.","start":112.58,"end":115.479996,"sentiment":"neutral","sentiment_score":0.13726142726161264},{"text":"And you should see a lovely Gold Coast picture there or the beach.","start":117.22,"end":121.055,"sentiment":"positive","sentiment_score":0.3389141307427333}],"sentiment":"neutral","sentiment_score":0.246489974980553,"channel":0,"num_words":24,"start":112.58,"end":121.055},{"sentences":[{"text":"Okay.","start":121.64,"end":122.14,"sentiment":"neutral","sentiment_score":0.08596229553222656}],"sentiment":"neutral","sentiment_score":0.08596229553222656,"channel":1,"num_words":1,"start":121.64,"end":122.14},{"sentences":[{"text":"Alright.","start":123.515,"end":123.835,"sentiment":"neutral","sentiment_score":0.034939587116241455},{"text":"Can you see that okay?","start":123.835,"end":124.715,"sentiment":"neutral","sentiment_score":0.019833377003669737},{"text":"Is the writing","start":124.715,"end":125.454994,"sentiment":"neutral","sentiment_score":0.006358428082118432}],"sentiment":"neutral","sentiment_score":0.017020195153438382,"channel":0,"num_words":9,"start":123.515,"end":125.454994},{"sentences":[{"text":"Yes.","start":125.240005,"end":125.740005,"sentiment":"neutral","sentiment_score":0.03948310390114784}],"sentiment":"neutral","sentiment_score":0.03948310390114784,"channel":1,"num_words":1,"start":125.240005,"end":125.740005},{"sentences":[{"text":"quite clear?","start":125.674995,"end":126.494995,"sentiment":"neutral","sentiment_score":0.046025220304727554}],"sentiment":"neutral","sentiment_score":0.046025220304727554,"channel":0,"num_words":2,"start":125.674995,"end":126.494995},{"sentences":[{"text":"Yep.","start":126.840004,"end":127.340004,"sentiment":"neutral","sentiment_score":0.21693824231624603}],"sentiment":"neutral","sentiment_score":0.21693824231624603,"channel":1,"num_words":1,"start":126.840004,"end":127.340004},{"sentences":[{"text":"Beautiful.","start":127.994995,"end":128.47499,"sentiment":"positive","sentiment_score":0.6287171840667725},{"text":"So with these advice documents, we always have our licensing details on the front just to let you know that we're obviously registered with ASIC and who you're speaking to.","start":128.47499,"end":138.38,"sentiment":"neutral","sentiment_score":0.17738176236550013},{"text":"And if you go through to pages three and four, I just wanna kind of refresh you on the scope of this advice.","start":138.38,"end":144.24,"sentiment":"neutral","sentiment_score":0.09957241380344266},{"text":"There should be a scope of advice heading.","start":144.3,"end":146.4,"sentiment":"neutral","sentiment_score":0.06610907334834337}],"sentiment":"neutral","sentiment_score":0.14143884127899523,"channel":0,"num_words":62,"start":127.994995,"end":146.4},{"sentences":[{"text":"Schedule of all is considered.","start":147.77,"end":149.4,"sentiment":"neutral","sentiment_score":0.051498503983020784}],"sentiment":"neutral","sentiment_score":0.051498503983020784,"channel":1,"num_words":5,"start":147.77,"end":149.4},{"sentences":[{"text":"Yep.","start":149.46501,"end":149.96501,"sentiment":"neutral","sentiment_score":0.08492808043956757},{"text":"So the main things here is we've got the q super and the hub 24.","start":150.345,"end":154.52501,"sentiment":"neutral","sentiment_score":0.0572961688041687},{"text":"We were looking at doing a bit of movement of funds between the two accounts and just reviewing your portfolio because although it was performing well, there was a a couple of options there that were dragging their feet a little bit, and we were looking for some kind of low fee replacements if that rings a bell.","start":154.585,"end":171.67,"sentiment":"neutral","sentiment_score":0.020029921951735842}],"sentiment":"neutral","sentiment_score":0.028460893050037527,"channel":0,"num_words":74,"start":149.46501,"end":171.67},{"sentences":[{"text":"Mhmm.","start":172.065,"end":172.53,"sentiment":"neutral","sentiment_score":0.030072716996073723}],"sentiment":"neutral","sentiment_score":0.030072716996073723,"channel":1,"num_words":1,"start":172.065,"end":172.53},{"sentences":[{"text":"K?","start":172.945,"end":173.445,"sentiment":"neutral","sentiment_score":0.023415086790919304},{"text":"Now one of the discussions you had with Kyle was in terms of just bumping up your contributions for the salary 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that's something that you already understand the importance of, I'll just include that reminder to check up next time we speak and see how you went with it.","start":1409.6349,"end":1417.78,"sentiment":"neutral","sentiment_score":0.012523066687087218}],"sentiment":"neutral","sentiment_score":-0.09322952459368741,"channel":0,"num_words":66,"start":1395.54,"end":1417.78},{"sentences":[{"text":"Yeah.","start":1417.4349,"end":1417.9349,"sentiment":"neutral","sentiment_score":0.04038647189736366},{"text":"And that'd be a I work in aged care, so it's just I","start":1420.5549,"end":1424.655,"sentiment":"neutral","sentiment_score":0.04343400150537491}],"sentiment":"neutral","sentiment_score":0.04321632081908839,"channel":1,"num_words":14,"start":1417.4349,"end":1424.655},{"sentences":[{"text":"Yeah.","start":1426.56,"end":1426.96,"sentiment":"neutral","sentiment_score":0.10179691016674042},{"text":"I can 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ready","start":1432.145,"end":1436.7849,"sentiment":"neutral","sentiment_score":0.3210286647081375}],"sentiment":"neutral","sentiment_score":0.3210286647081375,"channel":0,"num_words":18,"start":1432.145,"end":1436.7849},{"sentences":[{"text":"too","start":1436.545,"end":1436.795,"sentiment":"positive","sentiment_score":0.3738412857055664}],"sentiment":"positive","sentiment_score":0.3738412857055664,"channel":1,"num_words":1,"start":1436.545,"end":1436.795},{"sentences":[{"text":"to","start":1436.7849,"end":1436.865,"sentiment":"neutral","sentiment_score":0.32532259821891785}],"sentiment":"neutral","sentiment_score":0.32532259821891785,"channel":0,"num_words":1,"start":1436.7849,"end":1436.865},{"sentences":[{"text":"much.","start":1436.795,"end":1437.045,"sentiment":"neutral","sentiment_score":0.2816373109817505}],"sentiment":"neutral","sentiment_score":0.2816373109817505,"channel":1,"num_words":1,"start":1436.795,"end":1437.045},{"sentences":[{"text":"go, and then you don't have to worry too much about relying on all these other systems and people and the influence","start":1436.865,"end":1442.625,"sentiment":"neutral","sentiment_score":0.1545540155334906}],"sentiment":"neutral","sentiment_score":0.1545540155334906,"channel":0,"num_words":22,"start":1436.865,"end":1442.625},{"sentences":[{"text":"Mhmm.","start":1442.485,"end":1442.985,"sentiment":"neutral","sentiment_score":0.08828375488519669}],"sentiment":"neutral","sentiment_score":0.08828375488519669,"channel":1,"num_words":1,"start":1442.485,"end":1442.985},{"sentences":[{"text":"that they can have.","start":1442.625,"end":1443.6849,"sentiment":"neutral","sentiment_score":0.09564650990068913}],"sentiment":"neutral","sentiment_score":0.09564650990068913,"channel":0,"num_words":4,"start":1442.625,"end":1443.6849},{"sentences":[{"text":"Yes.","start":1444.245,"end":1444.5651,"sentiment":"neutral","sentiment_score":0.16394102573394775},{"text":"Right.","start":1444.5651,"end":1445.0651,"sentiment":"neutral","sentiment_score":0.22509923577308655}],"sentiment":"neutral","sentiment_score":0.19452013075351715,"channel":1,"num_words":2,"start":1444.245,"end":1445.0651},{"sentences":[{"text":"Because the nicest thing that we like to do is when people get to that pension age and we set up their pension account and, oh, look.","start":1445.99,"end":1452.47,"sentiment":"neutral","sentiment_score":0.2838563808688411},{"text":"We need to pull out 15,000 to go on our holiday.","start":1452.47,"end":1455.03,"sentiment":"neutral","sentiment_score":0.25779041241515765},{"text":"Here you go.","start":1455.03,"end":1455.93,"sentiment":"neutral","sentiment_score":0.22499262789885202},{"text":"Pops out with that regular income, and then we get to see the photos when they come back.","start":1456.1749,"end":1460.595,"sentiment":"neutral","sentiment_score":0.18991469219326973},{"text":"Client sending us photos from overseas is always nice.","start":1461.215,"end":1464.0349,"sentiment":"neutral","sentiment_score":0.3133461011780633}],"sentiment":"neutral","sentiment_score":0.2560790304971092,"channel":0,"num_words":68,"start":1445.99,"end":1464.0349},{"sentences":[{"text":"And, look, we're not too far off there, but we've got a pretty important ten years to get you guys as much as we can.","start":1464.335,"end":1471.64,"sentiment":"neutral","sentiment_score":0.09909275352954865}],"sentiment":"neutral","sentiment_score":0.09909275352954865,"channel":0,"num_words":25,"start":1464.335,"end":1471.64},{"sentences":[{"text":"Yep.","start":1472.135,"end":1472.6151,"sentiment":"neutral","sentiment_score":0.20879828929901123},{"text":"That's great.","start":1472.6151,"end":1473.435,"sentiment":"positive","sentiment_score":0.5365053117275238}],"sentiment":"positive","sentiment_score":0.4272696375846863,"channel":1,"num_words":3,"start":1472.135,"end":1473.435},{"sentences":[{"text":"Cool.","start":1474.26,"end":1474.76,"sentiment":"positive","sentiment_score":0.5230230689048767},{"text":"Alison, does everything make sense so far?","start":1475.62,"end":1477.7,"sentiment":"neutral","sentiment_score":0.22176822807107652},{"text":"Do you like the plan that we've come up with?","start":1477.7,"end":1479.56,"sentiment":"neutral","sentiment_score":0.23352779895067216}],"sentiment":"neutral","sentiment_score":0.24503770305050743,"channel":0,"num_words":18,"start":1474.26,"end":1479.56},{"sentences":[{"text":"Yes.","start":1479.5751,"end":1479.8151,"sentiment":"positive","sentiment_score":0.3360248804092407},{"text":"It looks really good, actually.","start":1479.8151,"end":1481.1951,"sentiment":"positive","sentiment_score":0.5644305109977722}],"sentiment":"positive","sentiment_score":0.5263629058996836,"channel":1,"num_words":6,"start":1479.5751,"end":1481.1951},{"sentences":[{"text":"Perfect.","start":1481.875,"end":1482.355,"sentiment":"positive","sentiment_score":0.5209288597106934},{"text":"So the only caveat I'll give is that, look, once this is signed, we can basically hop on, move the investments around, do the rollovers, and all that kind of thing.","start":1482.355,"end":1492.74,"sentiment":"neutral","sentiment_score":-0.0483229415070626},{"text":"I would just, again,","start":1492.82,"end":1493.96,"sentiment":"neutral","sentiment_score":-0.07337265647947788}],"sentiment":"neutral","sentiment_score":-0.03529369313683775,"channel":0,"num_words":36,"start":1481.875,"end":1493.96},{"sentences":[{"text":"Yep.","start":1493.535,"end":1494.035,"sentiment":"neutral","sentiment_score":-0.03901437669992447}],"sentiment":"neutral","sentiment_score":-0.03901437669992447,"channel":1,"num_words":1,"start":1493.535,"end":1494.035},{"sentences":[{"text":"proceed with caution with that payroll and the forms just to make sure they are doing pretax salary sacrifice.","start":1494.02,"end":1500.84,"sentiment":"neutral","sentiment_score":-0.060573352010626545},{"text":"Otherwise, we can help with the forms, but it would be nice for them to have that set up properly.","start":1501.38,"end":1505.96,"sentiment":"neutral","sentiment_score":0.059958355687558654}],"sentiment":"neutral","sentiment_score":0.0012377801422889417,"channel":0,"num_words":39,"start":1494.02,"end":1505.96},{"sentences":[{"text":"Yep.","start":1507.135,"end":1507.635,"sentiment":"neutral","sentiment_score":0.035465095192193985},{"text":"Alright.","start":1508.175,"end":1508.675,"sentiment":"neutral","sentiment_score":0.052757181227207184},{"text":"Yeah.","start":1510.71,"end":1511.21,"sentiment":"neutral","sentiment_score":0.06650678813457489},{"text":"Yeah.","start":1511.75,"end":1511.99,"sentiment":"neutral","sentiment_score":0.06401700526475906},{"text":"As soon as I get back to work, because I still gotta get it signed off by the manager before 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up.","start":1530.6951,"end":1531.355,"sentiment":"neutral","sentiment_score":-0.034996798262000084}],"sentiment":"neutral","sentiment_score":-0.034996798262000084,"channel":1,"num_words":2,"start":1530.6951,"end":1531.355},{"sentences":[{"text":"any questions or confusion on their end, you can just give us a call, send us an email.","start":1530.89,"end":1536.625,"sentiment":"neutral","sentiment_score":0.08122336326373948},{"text":"We'd be happy to send you guys an email with extra explanations or answer any questions you might have just to make sure it's done properly.","start":1536.625,"end":1543.5249,"sentiment":"positive","sentiment_score":0.5476691975043371},{"text":"So please feel free if anything seems a bit amiss just to give us a buzz.","start":1543.745,"end":1548.0049,"sentiment":"neutral","sentiment_score":0.05382049083709717}],"sentiment":"neutral","sentiment_score":0.27604245878756045,"channel":0,"num_words":60,"start":1530.89,"end":1548.0049},{"sentences":[{"text":"Yep.","start":1549.03,"end":1549.515,"sentiment":"neutral","sentiment_score":0.19275204837322235},{"text":"Alright.","start":1551.755,"end":1552.255,"sentiment":"positive","sentiment_score":0.3881201148033142}],"sentiment":"neutral","sentiment_score":0.2904360815882683,"channel":1,"num_words":2,"start":1549.03,"end":1552.255},{"sentences":[{"text":"Awesome.","start":1551.79,"end":1552.29,"sentiment":"positive","sentiment_score":0.640355110168457},{"text":"Alright.","start":1553.39,"end":1553.89,"sentiment":"positive","sentiment_score":0.5159200429916382},{"text":"I will leave this one with you today, and I will check when we've got Albert booked in.","start":1554.1901,"end":1561.31,"sentiment":"positive","sentiment_score":0.413405352168613},{"text":"But what I'm basically gonna do from here is just kind of keep factoring both of you guys and your super in as, like, a bit of a joint retirement goal as we get closer and closer to the date.","start":1561.31,"end":1570.8949,"sentiment":"positive","sentiment_score":0.34992637783288955},{"text":"Even though there's a couple of different years between you guys, I just wanna make sure that we're factoring it all in because Centrelink will become important as well for pension assets tests and things like that.","start":1570.8949,"end":1582.62,"sentiment":"neutral","sentiment_score":0.1535344127867673}],"sentiment":"neutral","sentiment_score":0.2914989678208361,"channel":0,"num_words":97,"start":1551.79,"end":1582.62},{"sentences":[{"text":"Yeah.","start":1583.295,"end":1583.615,"sentiment":"neutral","sentiment_score":0.09967053681612016},{"text":"Okay.","start":1583.615,"end":1584.115,"sentiment":"neutral","sentiment_score":0.09213615953922272}],"sentiment":"neutral","sentiment_score":0.09590334817767143,"channel":1,"num_words":2,"start":1583.295,"end":1584.115},{"sentences":[{"text":"K.","start":1584.92,"end":1585.42,"sentiment":"neutral","sentiment_score":0.07572808861732483},{"text":"Just gonna have a quick look at Albert's account here.","start":1586.12,"end":1588.62,"sentiment":"neutral","sentiment_score":0.11265977472066879},{"text":"Yeah.","start":1591.455,"end":1591.855,"sentiment":"neutral","sentiment_score":0.1509682685136795},{"text":"So I'll touch base with the team and see if he I think he might actually be due for his review as well, but I'll have a little bit of a look in and reach out to him.","start":1591.855,"end":1601.4,"sentiment":"neutral","sentiment_score":0.17401945120409915}],"sentiment":"neutral","sentiment_score":0.1593206650018692,"channel":0,"num_words":50,"start":1584.92,"end":1601.4},{"sentences":[{"text":"Okay.","start":1602.16,"end":1602.66,"sentiment":"neutral","sentiment_score":0.0679708868265152},{"text":"So do you just click on this signature thing here?","start":1602.8,"end":1605.885,"sentiment":"neutral","sentiment_score":0.04441947974264622}],"sentiment":"neutral","sentiment_score":0.04656051675027067,"channel":1,"num_words":11,"start":1602.16,"end":1605.885},{"sentences":[{"text":"Yeah.","start":1606.4401,"end":1606.84,"sentiment":"neutral","sentiment_score":0.07834266126155853},{"text":"So when you do that, it will bring you down to the section to sign, which is the authority to 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now.","start":1696.135,"end":1698.235,"sentiment":"neutral","sentiment_score":0.04027212634682655}],"sentiment":"neutral","sentiment_score":0.04027212634682655,"channel":1,"num_words":5,"start":1696.135,"end":1698.235},{"sentences":[{"text":"Yep.","start":1699.155,"end":1699.475,"sentiment":"neutral","sentiment_score":0.24259310960769653},{"text":"Doing its fun thing.","start":1699.475,"end":1700.775,"sentiment":"positive","sentiment_score":0.626435786485672},{"text":"And, Allison, just while that's loading there, do you have a preference in terms of contact frequency?","start":1734.4,"end":1740.8201,"sentiment":"neutral","sentiment_score":0.10176842287182808},{"text":"Do you want me to just kind of pencil in for your next annual review, or do you want me to just make sure we touch base every three to six months?","start":1741.04,"end":1747.92,"sentiment":"neutral","sentiment_score":0.07010913011617959},{"text":"What would be the preference for you 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quick text first to say I'm available.","start":1754.435,"end":1758.135,"sentiment":"neutral","sentiment_score":0.0011974763125181197},{"text":"I don't know because such a huge work.","start":1758.275,"end":1760.035,"sentiment":"neutral","sentiment_score":-0.0661973231472075},{"text":"I don't know what days I'm working too far in advance.","start":1760.035,"end":1763.99,"sentiment":"neutral","sentiment_score":-0.05579858357933434}],"sentiment":"neutral","sentiment_score":-0.036307463848165106,"channel":1,"num_words":35,"start":1752.995,"end":1763.99},{"sentences":[{"text":"Yeah.","start":1764.6599,"end":1764.8999,"sentiment":"neutral","sentiment_score":0.005372690036892891},{"text":"No.","start":1764.8999,"end":1765.1399,"sentiment":"neutral","sentiment_score":-0.01840073987841606},{"text":"That's fair enough.","start":1765.1399,"end":1765.86,"sentiment":"neutral","sentiment_score":0.00443221814930439},{"text":"So a bit of a we'll always do, like, a a quick call 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Allison.","start":1795.45,"end":1796.89,"sentiment":"neutral","sentiment_score":0.08760966956615449},{"text":"I don't know if that's loaded 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it says it's signed.","start":1799.09,"end":1802.5299,"sentiment":"neutral","sentiment_score":-0.031173475831747056},{"text":"You you told I can't buy email.","start":1802.5299,"end":1804.745,"sentiment":"neutral","sentiment_score":-0.12928922580821173},{"text":"Alright.","start":1806.245,"end":1806.745,"sentiment":"neutral","sentiment_score":0.12105678021907806}],"sentiment":"neutral","sentiment_score":-0.07229501381516457,"channel":1,"num_words":13,"start":1799.09,"end":1806.745},{"sentences":[{"text":"Perfect.","start":1806.505,"end":1807.005,"sentiment":"neutral","sentiment_score":0.2980041801929474}],"sentiment":"neutral","sentiment_score":0.2980041801929474,"channel":0,"num_words":1,"start":1806.505,"end":1807.005},{"sentences":[{"text":"Alright.","start":1808.165,"end":1808.665,"sentiment":"neutral","sentiment_score":0.1810149997472763},{"text":"And then and I've got","start":1808.7251,"end":1809.6051,"sentiment":"neutral","sentiment_score":0.14219990819692613}],"sentiment":"neutral","sentiment_score":0.14866909012198448,"channel":1,"num_words":6,"start":1808.165,"end":1809.6051},{"sentences":[{"text":"Alright.","start":1809.5449,"end":1810.0449,"sentiment":"neutral","sentiment_score":0.1870863139629364}],"sentiment":"neutral","sentiment_score":0.1870863139629364,"channel":0,"num_words":1,"start":1809.5449,"end":1810.0449},{"sentences":[{"text":"a little k.","start":1809.6051,"end":1813.9451,"sentiment":"neutral","sentiment_score":0.20080274840195975}],"sentiment":"neutral","sentiment_score":0.20080274840195975,"channel":1,"num_words":3,"start":1809.6051,"end":1813.9451},{"sentences":[{"text":"Amazing.","start":1815.48,"end":1815.98,"sentiment":"positive","sentiment_score":0.6274089813232422},{"text":"Is there anything else I can do for you before I let you enjoy the rest of your holiday?","start":1816.36,"end":1820.2999,"sentiment":"positive","sentiment_score":0.3892444011412169}],"sentiment":"positive","sentiment_score":0.40115263015031816,"channel":0,"num_words":20,"start":1815.48,"end":1820.2999},{"sentences":[{"text":"No.","start":1821.3501,"end":1821.67,"sentiment":"neutral","sentiment_score":0.039980702102184296},{"text":"That's fine.","start":1821.67,"end":1822.39,"sentiment":"neutral","sentiment_score":0.08502229303121567},{"text":"That's good.","start":1822.39,"end":1823.13,"sentiment":"positive","sentiment_score":0.828914076089859}],"sentiment":"positive","sentiment_score":0.37357068806886673,"channel":1,"num_words":5,"start":1821.3501,"end":1823.13},{"sentences":[{"text":"Perfect.","start":1823.88,"end":1824.36,"sentiment":"positive","sentiment_score":0.7531991004943848},{"text":"Well, like I said, we'll jump on to that this week, get the investments moved around.","start":1824.36,"end":1828.8849,"sentiment":"neutral","sentiment_score":0.07754122698679566},{"text":"Rollovers will probably happen.","start":1829.345,"end":1830.865,"sentiment":"neutral","sentiment_score":-0.009906609891913831},{"text":"I know QSuper is just a bit of a lag at the moment within the financial year.","start":1830.865,"end":1835.4249,"sentiment":"neutral","sentiment_score":-0.09001445408691378},{"text":"So hopefully","start":1835.4249,"end":1836.245,"sentiment":"neutral","sentiment_score":-0.007869141176342964}],"sentiment":"neutral","sentiment_score":0.010206207272130997,"channel":0,"num_words":40,"start":1823.88,"end":1836.245},{"sentences":[{"text":"Okay.","start":1835.8251,"end":1836.3251,"sentiment":"neutral","sentiment_score":0.01160373818129301}],"sentiment":"neutral","sentiment_score":0.01160373818129301,"channel":1,"num_words":1,"start":1835.8251,"end":1836.3251},{"sentences":[{"text":"next week or the week after, and then just keep an ear out.","start":1836.3849,"end":1840.26,"sentiment":"neutral","sentiment_score":0.027137419352164634},{"text":"We'll touch base with you guys towards the end of the year and see how you went with, obviously, the wheels and everything and and to see how the new portfolio is tracking as well.","start":1840.34,"end":1849.64,"sentiment":"neutral","sentiment_score":0.09475469110267502}],"sentiment":"neutral","sentiment_score":0.07644168000357847,"channel":0,"num_words":48,"start":1836.3849,"end":1849.64},{"sentences":[{"text":"Okay.","start":1851.08,"end":1851.58,"sentiment":"neutral","sentiment_score":0.33026063442230225},{"text":"That's","start":1852.1969,"end":1852.5969,"sentiment":"positive","sentiment_score":0.6483944654464722}],"sentiment":"positive","sentiment_score":0.4893275499343872,"channel":1,"num_words":2,"start":1851.08,"end":1852.5969},{"sentences":[{"text":"Amazing,","start":1852.407,"end":1852.727,"sentiment":"positive","sentiment_score":0.6674658060073853}],"sentiment":"positive","sentiment_score":0.6674658060073853,"channel":0,"num_words":1,"start":1852.407,"end":1852.727},{"sentences":[{"text":"right.","start":1852.5969,"end":1853.0969,"sentiment":"positive","sentiment_score":0.6737364530563354}],"sentiment":"positive","sentiment_score":0.6737364530563354,"channel":1,"num_words":1,"start":1852.5969,"end":1853.0969},{"sentences":[{"text":"Allison.","start":1852.727,"end":1853.227,"sentiment":"positive","sentiment_score":0.3884924054145813},{"text":"Thank you so much for your time, and I'll talk to you again soon.","start":1853.367,"end":1856.827,"sentiment":"positive","sentiment_score":0.5945677395377841}],"sentiment":"positive","sentiment_score":0.5808293839295705,"channel":0,"num_words":15,"start":1852.727,"end":1856.827},{"sentences":[{"text":"Okay.","start":1856.9169,"end":1857.4169,"sentiment":"neutral","sentiment_score":0.26531875133514404},{"text":"Thank you.","start":1857.4769,"end":1858.2169,"sentiment":"positive","sentiment_score":0.4884400963783264}],"sentiment":"positive","sentiment_score":0.4140663146972656,"channel":1,"num_words":3,"start":1856.9169,"end":1858.2169},{"sentences":[{"text":"Thank you.","start":1858.727,"end":1859.207,"sentiment":"positive","sentiment_score":0.47660721838474274},{"text":"Bye.","start":1859.207,"end":1859.707,"sentiment":"neutral","sentiment_score":0.2869974374771118}],"sentiment":"positive","sentiment_score":0.4134039580821991,"channel":0,"num_words":3,"start":1858.727,"end":1859.707},{"sentences":[{"text":"Alright.","start":1859.877,"end":1860.377,"sentiment":"neutral","sentiment_score":0.12238652259111404}],"sentiment":"neutral","sentiment_score":0.12238652259111404,"channel":1,"num_words":1,"start":1859.877,"end":1860.377}]},"summary":{"result":"success","short":"The speaker discusses the importance of updating retirement projections and risk profiles, navigating changes to legislation, and maintaining a balanced growth risk profile. They recommend updating investments and rolling over retirement plans, updating retirement plans and risk profiles, and navigating changes to legislation. The speaker emphasizes caution with payroll and forms, setting up retirement accounts, and updating health care records. They offer to send an email with more explanations and provide instructions for completing necessary paperwork. The importance of updating health care records and setting up retirement accounts is emphasized."},"intents":{"segments":[{"text":"Just giving you a call to go through an updated advice strategy, and Yeah.","start_word":18,"end_word":31,"intents":[{"intent":"Update advice strategy","confidence_score":0.12062633}]},{"text":"So I'm gonna pop this through to your email. But just while I'm doing that, I just need to go through a quick security check with you. Yes. Yep.","start_word":54,"end_word":82,"intents":[{"intent":"Provide security check","confidence_score":0.051019434}]},{"text":"Now could I please confirm your date of birth and address, please?","start_word":83,"end_word":94,"intents":[{"intent":"Confirm identity","confidence_score":0.21023792}]},{"text":"And is your Yahoo email still okay for this document?","start_word":110,"end_word":119,"intents":[{"intent":"Check email","confidence_score":0.3096706}]},{"text":"So I'll pop that through to you now. I'll let you know what's kind of coming because there's a few, like, research appendixes alongside it and some product documents from the providers, just some updates there Mhmm. for you. And because you've used our new system before, this should go right through to your main inbox pretty quickly there. Will you better look onto the documents with me today? Yep.","start_word":122,"end_word":191,"intents":[{"intent":"Update documents","confidence_score":0.0125281}]},{"text":"K.","start_word":293,"end_word":293,"intents":[{"intent":"Review retirement","confidence_score":0.02791161}]},{"text":"So just let me know when you can see the the email there. And inside, when you hit sign now, it'll bring up the documents to review with me. And we It just says wanna on go document. through a yeah. So when you hit Okay. that, it'll bring up the advice document to run through together. And you should see a lovely Gold Coast picture there or the beach. Okay.","start_word":294,"end_word":364,"intents":[{"intent":"Review plans","confidence_score":0.0014150153}]},{"text":"quite clear? Yep.","start_word":375,"end_word":377,"intents":[{"intent":"Ask for clarification","confidence_score":0.015154198}]},{"text":"So with these advice documents, we always have our licensing details on the front just to let you know that we're obviously registered with ASIC and who you're speaking to. And if you go through to pages three and four, I just wanna kind of refresh you on the scope of this advice. There should be a scope of advice heading. Schedule of all is considered. Yep.","start_word":379,"end_word":445,"intents":[{"intent":"Refresh advice","confidence_score":0.3604854}]},{"text":"So the main things here is we've got the q super and the hub 24. We were looking at doing a bit of movement of funds between the two accounts and just reviewing your portfolio because although it was performing well, there was a a couple of options there that were dragging their feet a little bit, and we were looking for some kind of low fee replacements if that rings a bell.","start_word":446,"end_word":518,"intents":[{"intent":"Discuss low fee replacements","confidence_score":0.16781782}]},{"text":"I wasn't quite sure. I haven't filled out the forms. I've only just found them on my HR work, and then I still have to get my boss to sign it and all One thing I would let you know as well because that. the the forms are a little bit funky for q super is most people I've seen that have filled in those forms, they put in your extra contributions as personal rather Mhmm. than salary sacrifice.","start_word":584,"end_word":662,"intents":[{"intent":"Fill out forms","confidence_score":0.39470437}]},{"text":"I said, I wanna increase my my super contributions that I'm which is because at the moment, it's mandatory for us with Queensland Health to do 5% Yeah. on that.","start_word":741,"end_word":770,"intents":[{"intent":"Increase super contributions","confidence_score":0.87763107},{"intent":"Update super contributions","confidence_score":0.007036274}]},{"text":"Because one thing we don't want to happen is for them to be putting it through as nonconcessional rather than salary sacrifice, and then you've gotta do paperwork every year to try and claim it for your tax return. Alright.","start_word":785,"end_word":824,"intents":[{"intent":"Ensure no discrepancy in limiting super contributions","confidence_score":3.216496e-11}]},{"text":"Well, I get paid fortnightly, so it'll be paid fortnightly. It came up on my payslip when I checked it yesterday. That's perfect too because it means more regular contributions kind of smooth out through the year, and more regular buys just means that you're not at the mercy of, you know, big contribution goes in and the stock market crashes. Right?","start_word":897,"end_word":958,"intents":[{"intent":"Ensure regular payments","confidence_score":0.016106963}]},{"text":"Now in terms of what's not being considered in this document is we've just done a few reminders in terms of estate planning about beneficiaries' wills and powers of attorney. But in terms of insurances, we were just trying to keep in place what you had with q super for the time being. Yep.","start_word":959,"end_word":1012,"intents":[{"intent":"Intends to keep q super in place","confidence_score":0.00010421337}]},{"text":"In terms of cash flow and debt management, we've got your focus on obviously paying down debts and building up your savings and so on, bit of travel. So we're obviously not giving you recommendations on that in this document. It's just to note what your goals are and Yeah. keep track of them with you. Yeah. We've got about three years or four years max with everything to be paid off.","start_word":1013,"end_word":1084,"intents":[{"intent":"Discuss goals and budget for payments","confidence_score":0.000001204356}]},{"text":"And I've got retirement still set at the moment to 67, and Uh-huh. I realized that we've kind of got Albert down to maybe hang up the boots in eight years, maybe yourself in ten years. So I'm just as we get closer and closer along, we're just factoring in and updating projections for when you guys time the retirement. Yeah.","start_word":1106,"end_word":1166,"intents":[{"intent":"Retire","confidence_score":0.013049527},{"intent":"Report:","confidence_score":0.0000030680435}]},{"text":"Be much nicer to just both be on the same trips and bit easier for planning flights and the like, I imagine. Yeah.","start_word":1202,"end_word":1224,"intents":[{"intent":"Schedule vacation","confidence_score":0.018291038}]},{"text":"So bit of an adjustment. Swung back up to full time. Yes.","start_word":1405,"end_word":1416,"intents":[{"intent":"Adjust","confidence_score":0.022205768}]},{"text":"And then as you get closer and closer to retirement, we're pretty much going to have a discussion about when we reduce risk. Because at some point, we'll probably wanna get you into a bit more of a moderate or conservative position even if it's right up when you do actually retire just to make sure that, you know, a day before retirement, you're not losing a healthy chunk of super due to the markets. Mhmm.","start_word":1594,"end_word":1669,"intents":[{"intent":"Recommend reducing risk","confidence_score":0.04195708}]},{"text":"So what we're pretty much recommending is we're updating the investments inside Hub. Now we're replacing that one that was dragging its feet a little bit, but we're doing a full portfolio rebalance for you. In addition to that, we're recommending that you do the usual sweep across from q super into hub and still maintain that 10,000 for the insurances just up until the point when they become irrelevant. Yes.","start_word":1710,"end_word":1780,"intents":[{"intent":"Recommend replacing investment","confidence_score":0.0069426834}]},{"text":"We're also recommending a little bit further down the salary sacrifice increase and just showing you the differences that we'll have.","start_word":1782,"end_word":1802,"intents":[{"intent":"Recommend cutting salary sacrifice increase","confidence_score":0.016327621}]},{"text":"We're also recommending a little bit further down the salary sacrifice increase and just showing you the differences that we'll have. But if you can go through for me and scroll through, you will see some Okay. tables coming up for advantages and disadvantages. K.","start_word":1782,"end_word":1826,"intents":[{"intent":"Explain disadvantages of salary sacrifice increase","confidence_score":0.004241891}]},{"text":"So now that we got the rundown from q super nice and updated, yeah. we've got some new balances to work with, which is perfect.","start_word":1844,"end_word":1868,"intents":[{"intent":"Update research","confidence_score":0.37141436}]},{"text":"So once we get your consent from this document, we will action everything after that. Okay.","start_word":1878,"end_word":1893,"intents":[{"intent":"Provide consent","confidence_score":0.002364682}]},{"text":"We've also included in here that we can do yearly rollovers. So if you're comfortable with that, unless there's major changes to either fund, we can just do that sweep across each year for you without Yeah.","start_word":1895,"end_word":1931,"intents":[{"intent":"Include annual rollovers","confidence_score":0.023749014}]},{"text":"So navigating all the fun stuff with all the budget, it's been a a good couple of months.","start_word":2108,"end_word":2125,"intents":[{"intent":"Navigate budget","confidence_score":0.9224842}]},{"text":"Can you see on that strategy page there, I've got in bold a paragraph heading best interest duty. Alright.","start_word":2171,"end_word":2189,"intents":[{"intent":"Guide through strategy page","confidence_score":0.00015758217}]},{"text":"And what we've been recommending, if you go on the next page, you'll see all these different green and red figures for rebalancing your hub portfolio.","start_word":2304,"end_word":2329,"intents":[{"intent":"Inform about changes to portfolio","confidence_score":0.000021903443}]},{"text":"Now if you go just below that, you've got a fee comparison and a projection update for you, And this is where I wanted to walk you through the retirement outcome. Okay.","start_word":2627,"end_word":2658,"intents":[{"intent":"Analyze retirement outcomes","confidence_score":0.050480697}]},{"text":"So what that will do is you will be able to healthily pull out between 400 and $800 a week or 800 to 1,600 a fortnight in terms of tax free income on top of Mhmm. anything that you get with the age pension as well. Yeah.","start_word":2903,"end_word":2949,"intents":[{"intent":"Manage retirement funds","confidence_score":0.000046183548}]},{"text":"So there's a few other strategies we can do with you guys over the next three to five years. So that'll just kind of refine things a bit better and make it a bit more of a certainty rather than a probability.","start_word":3440,"end_word":3481,"intents":[{"intent":"Refine retirement strategy","confidence_score":0.07269497}]},{"text":"progress because we're gonna just come back from time away, and then we're gonna organize this wedding.","start_word":3656,"end_word":3672,"intents":[{"intent":"Update and organize wedding","confidence_score":0.4078274}]},{"text":"We've had to update our mother's everything of hers as well. So K.","start_word":3756,"end_word":3768,"intents":[{"intent":"Update mother's documents","confidence_score":0.0070473216}]},{"text":"They kinda split that power of attorney into financial and medical as well as the will.","start_word":3784,"end_word":3799,"intents":[{"intent":"Simplify power of attorney and documents","confidence_score":0.00010576732}]},{"text":"But we the health care is just for your choices towards your end of life here. Yeah.","start_word":3876,"end_word":3892,"intents":[{"intent":"Acknowledge and advise about health care guidelines","confidence_score":0.0000011464681}]},{"text":"act on your behalf, talk to the doctors without too much Yep. delay? It it stops also stops the doctors from overriding your wishes. Yes. Absolutely.","start_word":3912,"end_word":3937,"intents":[{"intent":"Communicate with doctors","confidence_score":0.027405925}]},{"text":"So if that's something that you already understand the importance of, I'll just include that reminder to check up next time we speak and see how you went with it. Yeah.","start_word":3993,"end_word":4023,"intents":[{"intent":"Request checks","confidence_score":0.00024075602}]},{"text":"And that'd be a I work in aged care, so it's just I Yeah.","start_word":4024,"end_word":4037,"intents":[{"intent":"Work in aged care","confidence_score":0.0016362872}]},{"text":"It'll be very, very good to get to a point soon where you're sleep self contained, where you've got all the documents in place, you've got all your accounts set up ready too to much.","start_word":4041,"end_word":4075,"intents":[{"intent":"Set up accounts","confidence_score":0.20025693}]},{"text":"Do you like the plan that we've come up with? Yes.","start_word":4209,"end_word":4219,"intents":[{"intent":"Obtain information about the plan","confidence_score":0.000046817204}]},{"text":"I would just, again, Yep. proceed with caution with that payroll and the forms just to make sure they are doing pretax salary sacrifice. Otherwise, we can help with the forms, but it would be nice for them to have that set up properly. Yep.","start_word":4257,"end_word":4301,"intents":[{"intent":"Provide advice on submitting forms","confidence_score":0.00080757233}]},{"text":"But what I'm basically gonna do from here is just kind of keep factoring both of you guys and your super in as, like, a bit of a joint retirement goal as we get closer and closer to the date. Even though there's a couple of different years between you guys, I just wanna make sure that we're factoring it all in because Centrelink will become important as well for pension assets tests and things like that. Yeah.","start_word":4440,"end_word":4517,"intents":[{"intent":"Inform about co-founder's retirement plan","confidence_score":8.779687e-7}]},{"text":"Once you've gotten to the last document, it'll ask you to validate and give you an offer to save a signed copy for your own records.","start_word":4711,"end_word":4736,"intents":[{"intent":"Validate and save copy","confidence_score":0.10373646}]},{"text":"And, Allison, just while that's loading there, do you have a preference in terms of contact frequency? Do you want me to just kind of pencil in for your next annual review, or do you want me to just make sure we touch base every three to six months?","start_word":4802,"end_word":4850,"intents":[{"intent":"Provide information","confidence_score":0.0054253964}]},{"text":"No. That's fair enough. So a bit of a we'll always do, like, a a quick call attempt. But if you just, you know, hang up on that, we'll send you a text.","start_word":4900,"end_word":4932,"intents":[{"intent":"Schedule call","confidence_score":0.046974108}]},{"text":"You you told I can't buy email. Alright. Perfect.","start_word":5002,"end_word":5010,"intents":[{"intent":"Avoid email","confidence_score":0.04646645}]},{"text":"We'll touch base with you guys towards the end of the year and see how you went with, obviously, the wheels and everything and and to see how the new portfolio is tracking as well.","start_word":5100,"end_word":5134,"intents":[{"intent":"Update portfolio status","confidence_score":0.27690533}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05633778125047684},{"text":"Good morning, Allison.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3599877953529358},{"text":"It's Tommy here, senior adviser from Oakview. How are you doing?","start_word":4,"end_word":14,"sentiment":"neutral","sentiment_score":0.2849483788013458},{"text":"Good. Thank you.","start_word":15,"end_word":17,"sentiment":"positive","sentiment_score":0.5843486785888672},{"text":"Just giving you a call to go through an updated advice strategy, and Yeah.","start_word":18,"end_word":31,"sentiment":"neutral","sentiment_score":0.3099674582481384},{"text":"I do appreciate you going through that QSuper research for us.","start_word":32,"end_word":42,"sentiment":"positive","sentiment_score":0.5791929364204407},{"text":"Do you still have a bit of time for me?","start_word":43,"end_word":52,"sentiment":"neutral","sentiment_score":0.2063173949718475},{"text":"Amazing.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.4561041891574859},{"text":"So I'm gonna pop this through to your email. But just while I'm doing that, I just need to go through a quick security check with you. Yes. Yep. Now could I please confirm your date of birth and address, please? The sixth of the sixty nine sixteen Chetham Drive, Kerwin four eight one seven. Sensational. And is your Yahoo email still okay for this document? Yes.","start_word":54,"end_word":120,"sentiment":"neutral","sentiment_score":0.11292528361082076},{"text":"Amazing. So I'll pop that through to you now.","start_word":121,"end_word":129,"sentiment":"positive","sentiment_score":0.36253589391708374},{"text":"I'll let you know what's kind of coming because there's a few, like, research appendixes alongside it and some product documents from the providers, just some updates there Mhmm. for you. And because you've used our new system before, this should go right through to your main inbox pretty quickly there. Will you better look onto the documents with me today? Yep. I'm just logging in to my email now. No worries. Now just while you go into the email, I just wanna let you know that I've gone through the updated research and comparisons there for your portfolio, the q super, and some contributions advice. And I've sort of limitedly factored in Albert's assets and super as well because now that you're kind of ten years off of that retirement age, we kind of wanna walk through what retirement actually looks like for you guys and give you a bit of an update on how that's looking in terms of projections. Okay. K. So just let me know when you can see the the email there. And inside, when you hit sign now, it'll bring up the documents to review with me. And we It just says wanna on go document. through a yeah. So when you hit Okay. that, it'll bring up the advice document to run through together. And you should see a lovely Gold Coast picture there or the beach. Okay. Alright. Can you see that okay? Is the writing Yes. quite clear? Yep.","start_word":130,"end_word":377,"sentiment":"neutral","sentiment_score":0.14383771558923106},{"text":"Beautiful.","start_word":378,"end_word":378,"sentiment":"positive","sentiment_score":0.6287171840667725},{"text":"So with these advice documents, we always have our licensing details on the front just to let you know that we're obviously registered with ASIC and who you're speaking to. And if you go through to pages three and four, I just wanna kind of refresh you on the scope of this advice. There should be a scope of advice heading. Schedule of all is considered. Yep. So the main things here is we've got the q super and the hub 24. We were looking at doing a bit of movement of funds between the two accounts and just reviewing your portfolio because although it was performing well, there was a a couple of options there that were dragging their feet a little bit, and we were looking for some kind of low fee replacements if that rings a bell. Mhmm. K? Now one of the discussions you had with Kyle was in terms of just bumping up your contributions for the salary sacrifice. So Yes. I've factored in the five to the seven and a half percent. And as you might know, they've raised the cap for contributions this financial year as well, so you're well within the cap as well. Oh, I am. I wasn't quite sure. I haven't filled out the forms. I've only just found them on my HR work, and then I still have to get my boss to sign it and all One thing I would let you know as well because that. the the forms are a little bit funky for q super is most people I've seen that have filled in those forms, they put in your extra contributions as personal rather Mhmm. than salary sacrifice. And there's a little tiny box on the first or second page that says, if you would like to salary sacrifice pretax to speak to, like, payroll and things like that. So it may actually be worth skipping the form and actually talking to payroll possibly. Oh, yeah. Now they just sent me back to the form. Been Yeah. there. Sorry.","start_word":379,"end_word":723,"sentiment":"neutral","sentiment_score":0.04644409939646721},{"text":"Lovely. So they've been a great help. That's great to hear.","start_word":724,"end_word":734,"sentiment":"positive","sentiment_score":0.6844802498817444},{"text":"Because I've already asked them. I said, I wanna increase my my super contributions that I'm which is because at the moment, it's mandatory for us with Queensland Health to do 5% Yeah. on that. So that's what happens now on that, and that's classed as salary sacrifice.","start_word":735,"end_word":782,"sentiment":"neutral","sentiment_score":0.008950277813710272},{"text":"Perfect. Perfect.","start_word":783,"end_word":784,"sentiment":"positive","sentiment_score":0.465849906206131},{"text":"Because one thing we don't want to happen is for them to be putting it through as nonconcessional rather than salary sacrifice, and then you've gotta do paperwork every year to try and claim it for your tax return. Alright. So I just wanted to kind of give you that heads up because I've seen it happening quite a lot lately, just as they go through EBA agreement updates for all the different public sectors as well. Mhmm. Alright. Alrighty. Because So they now changed our super contributions as well. It's not once a month. It's fortnightly now. yeah. And is Oh, that how every often you payslip. get paid? Yeah. Yeah. Well, I get paid fortnightly, so it'll be paid fortnightly. It came up on my payslip when I checked it yesterday. That's perfect too because it means more regular contributions kind of smooth out through the year, and more regular buys just means that you're not at the mercy of, you know, big contribution goes in and the stock market crashes. Right? Now in terms of what's not being considered in this document is we've just done a few reminders in terms of estate planning about beneficiaries' wills and powers of attorney. But in terms of insurances, we were just trying to keep in place what you had with q super for the time being. Yep. In terms of cash flow and debt management, we've got your focus on obviously paying down debts and building up your savings and so on, bit of travel. So we're obviously not giving you recommendations on that in this document. It's just to note what your goals are and Yeah. keep track of them with you. Yeah. We've got about three years or four years max with everything to be paid off. Yep.","start_word":785,"end_word":1085,"sentiment":"neutral","sentiment_score":0.04172448813915253},{"text":"Amazing.","start_word":1086,"end_word":1086,"sentiment":"positive","sentiment_score":0.4346886873245239},{"text":"Alright. So, you Help. know, I'm just looking at the at that 60, 61 mark at the moment. Yep. And I've got retirement still set at the moment to 67, and Uh-huh. I realized that we've kind of got Albert down to maybe hang up the boots in eight years, maybe yourself in ten years. So I'm just as we get closer and closer along, we're just factoring in and updating projections for when you guys time the retirement. Yeah. We wanted to try and Okay. Depending on health. Retire at the same time. Because Yep. I used to retire separately. Yeah. You know, you can't go anywhere or do anything because one's still working. Be much nicer to just both be on the same trips and bit easier for planning flights and the like, I imagine. Yeah. I know. It's it's hard getting the same time off together at Yeah. I can imagine. the moment. I can imagine. I know. So we are at the at the moment on leave. Yep. Just come back from time away. Okay. And then back this week or back next week? Oh, no. I don't get back until August 2. Third Oh, of amazing. August. Okay. Yeah. And we've Nice got relaxing a family time. wedding and everything coming up. So and that big thing. A lot of family coming around. Yeah.","start_word":1087,"end_word":1315,"sentiment":"neutral","sentiment_score":0.04781433425876251},{"text":"Absolutely. And I do appreciate you taking a bit of your morning to speak with me today.","start_word":1316,"end_word":1332,"sentiment":"positive","sentiment_score":0.4272640347480774},{"text":"That's It's alright. one of those things where if we just spend that half an hour going through a few things together, it lets us sort it Mhmm. out in the background for you, and Yep.","start_word":1333,"end_word":1368,"sentiment":"neutral","sentiment_score":0.16344626247882843},{"text":"I definitely do appreciate the time.","start_word":1369,"end_word":1374,"sentiment":"positive","sentiment_score":0.5414513945579529},{"text":"Yeah. And that because my status in work wise changed dramatically in January. Went from, you know, working two or three days a week to five days a week. Yes. So bit of an adjustment. Swung back up to full time. Yes. Alright. So that would mean that the details that I've got in this document on July, the about you section, that should be pretty up to date then because I've got you Yep. listed as full time in the nursing, 75,000. Assets was the two cars and the savings, and a personal loan. Yeah. The timeline and the personal line.","start_word":1375,"end_word":1476,"sentiment":"neutral","sentiment_score":0.09012384405907464},{"text":"Yep. Perfect.","start_word":1477,"end_word":1478,"sentiment":"positive","sentiment_score":0.5897923707962036},{"text":"Alright. Now if you can swing down to pages ten and eleven for me, it'll come up with a risk profile section. Okay. What was it? Paid as well, was it? 10. Ten and eleven. Okay. Just So sometimes the Odoo system has a different page number than the document does by one, yeah. so either So one you will got work. this profile? Yep.","start_word":1479,"end_word":1543,"sentiment":"neutral","sentiment_score":0.03941613808274269},{"text":"And we've still got you as balanced growth at the moment.","start_word":1544,"end_word":1554,"sentiment":"positive","sentiment_score":0.34104982018470764},{"text":"Yep. I'm not a risk taker. No. So just bear in mind that's kind of that 3.5 out of five. It's that medium side of things. Yep.","start_word":1555,"end_word":1581,"sentiment":"neutral","sentiment_score":-0.038650818169116974},{"text":"It's still focusing on growth with a nice healthy bit of protection.","start_word":1582,"end_word":1593,"sentiment":"positive","sentiment_score":0.4354478120803833},{"text":"And then as you get closer and closer to retirement, we're pretty much going to have a discussion about when we reduce risk. Because at some point, we'll probably wanna get you into a bit more of a moderate or conservative position even if it's right up when you do actually retire just to make sure that, you know, a day before retirement, you're not losing a healthy chunk of super due to the markets. Mhmm. Okay? So balanced growth is what we're doing at the moment. And if you go down past there, there's a pretty word heavy section after that called strategy recommendations that I wanna kind of summarize with you. Okay. Yep. Alright. So what we're pretty much recommending is we're updating the investments inside Hub. Now we're replacing that one that was dragging its feet a little bit, but we're doing a full portfolio rebalance for you. In addition to that, we're recommending that you do the usual sweep across from q super into hub and still maintain that 10,000 for the insurances just up until the point when they become irrelevant. Yes. K? We're also recommending a little bit further down the salary sacrifice increase and just showing you the differences that we'll have. But if you can go through for me and scroll through, you will see some Okay. tables coming up for advantages and disadvantages. K. Got somewhere 34,000 rollover to to you. And that And that's all based on that updated research.","start_word":1594,"end_word":1843,"sentiment":"neutral","sentiment_score":0.13846129643917085},{"text":"So now that we got the rundown from q super nice and updated, yeah. we've got some new balances to work with, which is perfect.","start_word":1844,"end_word":1868,"sentiment":"positive","sentiment_score":0.6742674708366394},{"text":"So have you done the role already yet? No. So once we get your consent from this document, we will action everything after that. Okay. K? We've also included in here that we can do yearly rollovers. So if you're comfortable with that, unless there's major changes to either fund, we can just do that sweep across each year for you without Yeah. I having was to go I through. thought it was automatically doing that before, but, obviously, it didn't happen. Yeah. There was a bit of a with the legislation, we have to go through, I guess, the pros and cons of moving between the accounts quite regularly, especially if there's any product changes. So I've included in this document that we will do those regular ones so that we don't have to keep refreshing a 40 page document every time you wanna do a movement across.","start_word":1869,"end_word":2017,"sentiment":"neutral","sentiment_score":0.012913532555103302},{"text":"I am quite happy, you know, doing that.","start_word":2018,"end_word":2025,"sentiment":"positive","sentiment_score":0.5140287280082703},{"text":"The the once a year that builds it up once, and then you just do a big one big lump sum Yeah. every on That's a on a perfect. 12 monthly basis.","start_word":2026,"end_word":2057,"sentiment":"neutral","sentiment_score":0.22768515348434448},{"text":"It's it's quite good.","start_word":2058,"end_word":2061,"sentiment":"positive","sentiment_score":0.5534161925315857},{"text":"And Now that's what I thought was still happening, but and then but yeah. It's alright. yeah. We're We're getting navigating there. the old legislation changes at the moment, and I've just changed the anti money laundering laws. So updating identification regularly is pretty important too. So navigating all the fun stuff with all the budget, it's been a a good couple of months. Yeah. I've had to really put a a a a three security system on my bank account. Yeah.","start_word":2062,"end_word":2143,"sentiment":"neutral","sentiment_score":0.004399000201374292},{"text":"And that because scam is just life. And it's getting worse every year at the moment.","start_word":2144,"end_word":2159,"sentiment":"negative","sentiment_score":-0.3884851634502411},{"text":"Now, Allison, one part I wanna walk you through as well. Can you see on that strategy page there, I've got in bold a paragraph heading best interest duty. Alright. Which page is that? I've So that's got still on page 12. It's above the risks, wrist. but you can stay Yep. down there. I'll just kind of walk you through it. We'll Okay. go to So the hang tables, on. actually. So if you go A a bit 12. further down, let's go to sixteen and seventeen together because it'll probably be easier with a visual here. K. 16. Yep. And you'll see a big blue investment table. Yep. Okay. So we've included the q super at the top, which is the sweep across. You're in the lifetime focus group one, So that still pretty much aligns with the balanced growth risk profile. And what we've been recommending, if you go on the next page, you'll see all these different green and red figures for rebalancing your hub portfolio. Now the main thing here is that all of the options that are switching are pretty well, like, like for like switches. So if there's a conservative one, we're just updating it to a new conservative one that's a little bit better on fees and performance. The main one for you is just removing that Benelon concentrated shares, which was probably the only one that was performing poorly. And at the bottom of that table on the next page, you'll see beta shares Australia 200. Can you see that one there? It's like the second last row. Yep. I can see that. So that's the replacement for the Benelong option because one of the conversations you have with Carl was going a little bit more, like, passive, low fee style of investment.","start_word":2160,"end_word":2461,"sentiment":"neutral","sentiment_score":0.08916183240366297},{"text":"So this one pretty much brings you from, like, a 0.9% fee to a 0.2. So it's a huge fee savings, and the performance over one three five in ten years is much, much better. And this Mhmm. kind of brings everything back into line with where we want it to be.","start_word":2462,"end_word":2513,"sentiment":"positive","sentiment_score":0.5113479495048523},{"text":"So if you keep going a little bit further, you will see the pie chart for your asset allocation.","start_word":2514,"end_word":2532,"sentiment":"neutral","sentiment_score":0.2897926867008209},{"text":"Nice colorful chart there.","start_word":2533,"end_word":2536,"sentiment":"positive","sentiment_score":0.5976199507713318},{"text":"Australian share, international share, Yep. and six inches worth.","start_word":2537,"end_word":2545,"sentiment":"neutral","sentiment_score":0.14988954365253448},{"text":"And the main thing here is that full balance growth, you wanna be sitting at around about 70 to 75% in growth assets, which is that middle row in gray, just to let you know that we're still keeping everything pretty well in line with that risk level with all of the rebalances and options being switched out. It'll be the right amount of high risk, high return, and the right amount of safe assets, which is about a quarter.","start_word":2546,"end_word":2625,"sentiment":"positive","sentiment_score":0.3528362512588501},{"text":"Mhmm. Now if you go just below that, you've got a fee comparison and a projection update for you, And this is where I wanted to walk you through the retirement outcome. Okay. So at the top, when we switch all of these options, because you're in hub, we have a bit more control under the hood with what we buy and sell and how that affects your super in terms of capital gains tax inside and under the hood. Now with all of the switches we're recommending, it only came out to be about $91 of tax inside the super. Normally, I would expect it to be about 800 to 2,000. So there wasn't very much there at all.","start_word":2626,"end_word":2745,"sentiment":"neutral","sentiment_score":0.14114636182785034},{"text":"That's good.","start_word":2746,"end_word":2747,"sentiment":"positive","sentiment_score":0.6334022879600525},{"text":"On the right hand column, you'll see a difference about third row. Investment fee goes down $578. Now that is essentially a halving of your investment fees with Hub by going for these lower fee investments.","start_word":2748,"end_word":2783,"sentiment":"neutral","sentiment_score":0.13868162035942078},{"text":"Okay. The performance bumps it back up again. So for balance growth, you kinda wanna be getting a consistent seven to 8% average return. This brings you back from just under six to just under 10 over the last five years.","start_word":2784,"end_word":2824,"sentiment":"positive","sentiment_score":0.504347026348114},{"text":"Okay. Now that affects the projection. So currently, you were kind of aiming for a little over 300,000. With the salary sacrifice, the rollover, and the new investments, you're looking more about $4.22 over the next ten years conservatively. Okay. Now how that works for retirement is when you get to 67, let's just say 67 is today, we can put you into a pension account and start pulling out about five to 10% of your super.","start_word":2825,"end_word":2901,"sentiment":"neutral","sentiment_score":0.24136872589588165},{"text":"So what that will do is you will be able to healthily pull out between 400 and $800 a week or 800 to 1,600 a fortnight in terms of tax free income on top of Mhmm.","start_word":2902,"end_word":2937,"sentiment":"positive","sentiment_score":0.4228232204914093},{"text":"anything that you get with the age pension as well. Yeah. Now So I'm you I'm actually I'll just let you know. I'm actually looking at retiring March at 67. March is '67.","start_word":2938,"end_word":2970,"sentiment":"neutral","sentiment_score":0.14967729151248932},{"text":"Perfect.","start_word":2971,"end_word":2971,"sentiment":"positive","sentiment_score":0.688093900680542},{"text":"So let's The say reason you get being this. is that I will get twenty years service long service.","start_word":2972,"end_word":2990,"sentiment":"neutral","sentiment_score":0.2921511232852936},{"text":"Amazing. Okay. Well, I haven't factored in the long service leave into here, so that's a nice little bonus.","start_word":2991,"end_word":3009,"sentiment":"positive","sentiment_score":0.4449373185634613},{"text":"Yeah. I just used some of my long service leave because I've just had March this year was my ten year. Right. Okay.","start_word":3010,"end_word":3032,"sentiment":"neutral","sentiment_score":0.13744205236434937},{"text":"That'll be perfect timing then.","start_word":3033,"end_word":3037,"sentiment":"positive","sentiment_score":0.4300101399421692},{"text":"Yeah. That's what I'm gonna well, I'm hoping by all cancer that we'd be well enough and should be well enough. But but I'm with what I'm what I'm doing health wise now is that we can retire in March thirty seven is what we're what I'm aiming for so I can get my twenty year service. And Albert around the same time? Hopefully. Yep. Yep. It's it's Health all going permitting? well with himself as well. Yep. And that and that yes.","start_word":3038,"end_word":3120,"sentiment":"neutral","sentiment_score":0.12721717357635498},{"text":"Well, perfect. That means that because he's got a little bit more super than you do, by that point, you guys should be able to pull out easily about 800 to $1,000 each from the super and get a little bit of a supplement from the age pension on top of that.","start_word":3121,"end_word":3172,"sentiment":"positive","sentiment_score":0.4277333617210388},{"text":"So, realistically, Mhmm. I think combined, you guys will be on about $2,000 a week equivalent after tax to live And on that's pretty in retirement. much what we're living on at the moment. Yep.","start_word":3173,"end_word":3207,"sentiment":"neutral","sentiment_score":0.16187356412410736},{"text":"Alrighty. So I'm basically saying we're on track as long as we can kind of, again, help meeting get through to that period with the right returns and the right contributions, you should be good.","start_word":3208,"end_word":3242,"sentiment":"positive","sentiment_score":0.4446331560611725},{"text":"Worst case scenario, you know, if things go really bad in the world, we may have to work for an extra year or if health kind of causes you to retire a bit earlier, it just means that maybe the funds last a little bit less. So instead of depleting in age 94, they may run out of age 92 or something like that.","start_word":3243,"end_word":3306,"sentiment":"negative","sentiment_score":-0.3584575653076172},{"text":"Yeah. But as you use the super funds, the pension will increase as well to sort of offset a big portion of that. Okay.","start_word":3307,"end_word":3330,"sentiment":"neutral","sentiment_score":0.1454516500234604},{"text":"Because, like, we'll be able to save all once we get all of our loans paid off. Yeah. Exactly. So it all kind of compounds together pretty nicely. And that's how we should have at least six to seven years before the entire of my loans all going well. And in top of that, when we hit 60, we can do a transition to retirement strategy where you can access a portion of your super, pull it out, and kind of put it back in again for a tax deduction.","start_word":3331,"end_word":3420,"sentiment":"positive","sentiment_score":0.43128618597984314},{"text":"And the differences in the taxes will actually boost up the super another few $100 a year as well. So there's a few other strategies we can do with you guys over the next three to five years. So that'll just kind of refine things a bit better and make it a bit more of a certainty rather than a probability. Mhmm. Okay? So that's the super recommendations after that in the document. It just updates you on what the salary sacrifice looks like because, obviously, if you salary sacrifice five to seven and a half percent of your income, that's not going to impact your take home pay by the full amount because it is using pretax dollars as long as the employer does that properly. Yes. K. Any questions on the recommendations so far?","start_word":3421,"end_word":3556,"sentiment":"neutral","sentiment_score":0.16232898831367493},{"text":"That looks pretty good.","start_word":3557,"end_word":3560,"sentiment":"positive","sentiment_score":0.5603508949279785},{"text":"Okay. And in addition to that, the only part that I wasn't a 100% certain on was just in terms of the estate planning side of things because we've got the contributions roll over the investments. We've got you guys on the partnered fee discount with Oakview of 1.1%. The insurances are being kept in place. I just wanted to double check with you in terms of wills and the power of attorney. Was that something that you guys are actively pursuing We have been to looking at it, update? but we just haven't, Yep. progress because we're gonna just come back from time away, and then we're gonna organize this wedding. And then we'll be sitting down.","start_word":3561,"end_word":3678,"sentiment":"neutral","sentiment_score":0.09484936334824158},{"text":"And that Perfect. because our Well son's getting married. So so it's and that's well, a big time.","start_word":3679,"end_word":3696,"sentiment":"positive","sentiment_score":0.4637605845928192},{"text":"it is a big time. And then It's a big time. having all the kids come home together is Yep. another big thing. I don't but yes. We we are aware we're we're we're we've been talking about it. We're just yeah. Gotta get a bit more active with it. Yep. K. Because, you know, we haven't got up. We've had to update our mother's everything of hers as well. So K. And I think in your state, there's even things like advanced health care directives. yep. They kinda split that power of attorney into financial and medical as well as the will. So there's a few little things there. And, look, I'm not gonna say, hey. Go to the post office and get a $25 kit from those posts. Maybe worth sitting down with someone or even, you know, the trustee at the courthouse and so on. But You still if you gotta guys do everything with the JP are with those documents yeah. anyway? It's gotta be certified and witnessed and everything properly anyway. Yeah. I know. But we the health care is just for your choices towards your end of life here. Yeah. And then what you if in case you have an accident, you're unconscious as well. Yep. Who can Okay. act on your behalf, talk to the doctors without too much Yep. delay? It it stops also stops the doctors from overriding your wishes. Yes. Absolutely. And I I work So in a hospital. I can tell you now they do. I know. They push. Even look. Even maternity care when people have babies, I've know I've seen and heard quite a few horror stories I can imagine when it comes to elderly and aged care. They're not always the nicest. So if that's something that you already understand the importance of, I'll just include that reminder to check up next time we speak and see how you went with it. Yeah. And that'd be a I work in aged care, so it's just I Yeah. I can imagine. It'll be very, very good to get to a point soon where you're sleep self contained, where you've got all the documents in place, you've got all your accounts set up ready too to much. go, and then you don't have to worry too much about relying on all these other systems and people and the influence Mhmm. that they can have. Yes. Right. Because the nicest thing that we like to do is when people get to that pension age and we set up their pension account and, oh, look. We need to pull out 15,000 to go on our holiday. Here you go. Pops out with that regular income, and then we get to see the photos when they come back. Client sending us photos from overseas is always nice. And, look, we're not too far off there, but we've got a pretty important ten years to get you guys as much as we can. Yep.","start_word":3697,"end_word":4198,"sentiment":"neutral","sentiment_score":0.085862979693598},{"text":"That's great. Cool.","start_word":4199,"end_word":4201,"sentiment":"positive","sentiment_score":0.5200054049491882},{"text":"Alison, does everything make sense so far? Do you like the plan that we've come up with?","start_word":4202,"end_word":4218,"sentiment":"neutral","sentiment_score":0.22867679595947263},{"text":"Yes. It looks really good, actually. Perfect.","start_word":4219,"end_word":4225,"sentiment":"positive","sentiment_score":0.5119593739509583},{"text":"So the only caveat I'll give is that, look, once this is signed, we can basically hop on, move the investments around, do the rollovers, and all that kind of thing. I would just, again, Yep. proceed with caution with that payroll and the forms just to make sure they are doing pretax salary sacrifice. Otherwise, we can help with the forms, but it would be nice for them to have that set up properly. Yep. Alright. Yeah. Yeah. As soon as I get back to work, because I still gotta get it signed off by the manager before submitting Yeah. it back to payroll. And that so that's what I've gotta wait on then. Hopefully, he's back at work too. Yeah. And, He's look, hard to if get there's that up. any questions or confusion on their end, you can just give us a call, send us an email.","start_word":4226,"end_word":4375,"sentiment":"neutral","sentiment_score":0.00888909213244915},{"text":"We'd be happy to send you guys an email with extra explanations or answer any questions you might have just to make sure it's done properly.","start_word":4376,"end_word":4401,"sentiment":"positive","sentiment_score":0.5409638285636902},{"text":"So please feel free if anything seems a bit amiss just to give us a buzz. Yep.","start_word":4402,"end_word":4418,"sentiment":"neutral","sentiment_score":0.06481494009494781},{"text":"Alright. Awesome. Alright. I will leave this one with you today, and I will check when we've got Albert booked in. But what I'm basically gonna do from here is just kind of keep factoring both of you guys and your super in as, like, a bit of a joint retirement goal as we get closer and closer to the date.","start_word":4419,"end_word":4479,"sentiment":"positive","sentiment_score":0.3810070753097534},{"text":"Even though there's a couple of different years between you guys, I just wanna make sure that we're factoring it all in because Centrelink will become important as well for pension assets tests and things like that. Yeah. Okay. K. Just gonna have a quick look at Albert's account here. Yeah. So I'll touch base with the team and see if he I think he might actually be due for his review as well, but I'll have a little bit of a look in and reach out to him. Okay. So do you just click on this signature thing here? Yeah. So when you do that, it will bring you down to the section to sign, which is the authority to proceed. It will stamp a signature, name, and date on there. And if you wanna draw the signature like your license, you can click on it and do so. It's not a requirement for us. And then it'll pretty much have once you've signed everything, it'll have a validate button. But first, I believe you do actually have to skip through the documents. So rather than scrolling through all 2,000 pages, there'll be those purple buttons, and they will bring you first to the sign section. And then second, they will just say next document, next document. And I think there's about four product documents to kind of skip through. Once you've gotten to the last document, it'll ask you to validate and give you an offer to save a signed copy for your own records. And I must warn as well, sometimes depending on your Internet connection, when you get to that last validate button, it may actually have a little spinning circle loading for a little bit of time. Sometimes it's a few seconds. Sometimes it's a it's a minute. So just let me know how you go there. It's it's spinning around now. Yep.","start_word":4480,"end_word":4797,"sentiment":"neutral","sentiment_score":0.0928398534749289},{"text":"Doing its fun thing.","start_word":4798,"end_word":4801,"sentiment":"positive","sentiment_score":0.6338886022567749},{"text":"And, Allison, just while that's loading there, do you have a preference in terms of contact frequency? Do you want me to just kind of pencil in for your next annual review, or do you want me to just make sure we touch base every three to six months? What would be the preference for you guys? Probably every six months. Yep. I don't know. I don't know. It's just a quick text first to say I'm available. I don't know because such a huge work. I don't know what days I'm working too far in advance. Yeah. No. That's fair enough. So a bit of a we'll always do, like, a a quick call attempt. But if you just, you know, hang up on that, we'll send you a text. I think, yeah, I think we've got you set up for a bit of a a conversation towards Christmas time. So before the year ends, we'll touch base again, and then we'll go through a bit more in-depth again end of financial near next year as well. Alright. That's come through signed, Allison. I don't know if that's loaded on K. your Even side. though it says it's signed. You you told I can't buy email. Alright. Perfect. Alright. And then and I've got Alright. a little k.","start_word":4802,"end_word":5020,"sentiment":"neutral","sentiment_score":0.04181303828954697},{"text":"Amazing. Is there anything else I can do for you before I let you enjoy the rest of your holiday?","start_word":5021,"end_word":5040,"sentiment":"positive","sentiment_score":0.4139921963214874},{"text":"No. That's fine.","start_word":5041,"end_word":5043,"sentiment":"neutral","sentiment_score":0.08775143325328827},{"text":"That's good. Perfect.","start_word":5044,"end_word":5046,"sentiment":"positive","sentiment_score":0.8083924055099487},{"text":"Well, like I said, we'll jump on to that this week, get the investments moved around. Rollovers will probably happen. I know QSuper is just a bit of a lag at the moment within the financial year. So hopefully Okay. next week or the week after, and then just keep an ear out. We'll touch base with you guys towards the end of the year and see how you went with, obviously, the wheels and everything and and to see how the new portfolio is tracking as well. Okay.","start_word":5047,"end_word":5135,"sentiment":"neutral","sentiment_score":0.03931724652647972},{"text":"That's Amazing, right. Allison. Thank you so much for your time, and I'll talk to you again soon.","start_word":5136,"end_word":5153,"sentiment":"positive","sentiment_score":0.5894082188606262},{"text":"Okay.","start_word":5154,"end_word":5154,"sentiment":"neutral","sentiment_score":0.26531875133514404},{"text":"Thank you. Thank you.","start_word":5155,"end_word":5158,"sentiment":"positive","sentiment_score":0.4746929109096527},{"text":"Bye. Alright.","start_word":5159,"end_word":5160,"sentiment":"neutral","sentiment_score":0.2243424504995346}],"average":{"sentiment":"neutral","sentiment_score":0.13271415402521744}}}}