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Is now still a good time there for you? Fan fantastic. How's your day been so far? A lot going on. Understandable. Sharon, can you happen to have access to your email, sir, at the moment as well? No. That's okay. If not, that's absolutely okay. I can talk you through the advice document. If you're not sure if you remember back when we sort of spoke late last year, we did your annual review. We talked about looking at different super, but also reducing the risk level. So I've actually got a bit of a larger document to kinda go through with you. I just thought, normally, it's easier if we're able to look at the documents together. But if you're not, I'm fine to run through things and then allow you to have a bit of a look at it later. It's up to you. That's okay. I haven't. I'm just about to send it now. So I'll just press send on this one for you. Just while it is coming through, Sharon, I just need to let you know before we do go through the advice that we do record our calls for quality and training purposes. Are you comfortable with me doing that proceeding with that? Yep. Fantastic. And I'll just you're right. Oh, fantastic. Excellent. And I'll just do a quick security check there with you as well just to get you to confirm your full name, your address, and date of birth I should have. Yep. Beautiful. Thank you so much for that. Beautiful. Okay. Now you said the email's popped through to you there. When you open the email, I have got the document attached, but it's also attached as an attachment. So you can open either one. It's completely up to you, whatever is easier To view the document that is in the the actual email itself, you should just be able to click on the button that says sign, and it should just take you through so you can move up and down through that document. But let me know if you have trouble doing so. That's working okay? Oh, fantastic. Fantastic. So on the front page there, you'll see a statement of advice has been prepared for yourself. As of the 05/18/2026, sir, has been prepared by myself and my lovely team here at Oakview Financial. What I'll do is I'll just hit the points and go through the pages that we need to sort of go through, and then I'll let you go back and have a bit of a read through the document. There is quite a bit there. It does outline all the recommendations, the advantages, disadvantages, the risks involved, and any alternatives that we've considered. And then before taking on the advice, you're welcome to come back and let me know if you do happen to have any questions at all. Okay? Fantastic. Now the areas that this advice document has been limited to are areas of superannuation and estate planning to making sure that your beneficiaries are set up in line with what you're comfortable with. You have mentioned that you wanted your adult children nominated to the super fund and your life insurances, but you wanted us to look at doing that in the most tax effective way for you. Okay? And then we've also looked at superannuation. So you're hoping to be out of access super at around the age 67, hoping to draw income of about $1,100 per week. So we're looking at other strategies there now that you're over the age of 60, looking at other strategies that can provide a boost to your sofa. But with the volatility that we are seeing and because you are closer to accessing sofa, also looking at making sure the portfolio is in line with a lower risk profile as well. Okay? Excellent. Areas that we've scoped out, this is a bit further down in the document there on page number five. So we've scoped in limited just to a limited extent the areas around the retirement income needs. So what I've done is, as per the advice, gone back and done some research there for you, looked at ways and different strategies that we can put in place, but then looked at how the long term effects look like given these strategy that strategy that we wanna implement and how that might look for you when we project forward over your income side of things. So it's giving you a bit of an idea of where we're tracking for and what that looks like, and then we'll just keep updating the advice and making changes as we need to as we track towards those goals. Okay? That was on page number five and six. Yeah. Yeah. So it should have the heading scope of advice, limited scope. Yep. And then down on page number six, I've just noted there that we're not making any changes to your life insurance. You were happy with the life insurance you had. It was more just about retaining that for the time being until you don't wish to keep it anymore. It's scoped into a limited extent just because it is paid out of your super. So it's just about making sure that we have taken the premiums into account as we're making recommendations around your super and income needs. Okay? All good. Now what I'll do is I'll take you through a lot of the advice document. If I can get you to scroll down for me, just the page number so sorry. Page number eighteen and nineteen, I'll take you through the initial recommendations with so far. That's okay. Yeah. The heading there should say recommended investments. Yeah. You're alright. That's okay. You're absolutely fine. I'll go as slow as you need. Yes. Excellent. So this is essentially showing you the the first changes that we do wanna make to the portfolio. So as per the research, I went back and I had a look at all the super funds out there, including where Netwealth, where you are at the moment, as well as any other super funds that might be applicable or cheaper for you. I did look at the cost that they might be, but also looked at the tax consequences for making any changes to your super. So I have made a recommendation that we retain your Netwealth super account for the time being. There's no need to make any changes to it at the moment. It is a great super fund, but it's also about making yeah. Yeah. The super fund itself isn't bad at all. Essentially, the super fund, just think of it like a vehicle. You'll you you put your money into the super fund and into the cash account, but what really gets you the returns is the underlying investments is where your money's invested. And the super fund itself is just an investment vehicle to hold those the funds and to have them invested. So Netwealth is not a bad fund in any way, shape, or form. The admin fees can be a bit higher than other funds out there. However, one of the things I did look at was if we move you to another fund, we have to sell down all of your investments, and your super fund, just like you, does a tax return every year. So we need to consider when we are selling and moving to different super funds what the tax consequences might look like for that. I did sorta have a look around, and the tax consequences to selling down all your investments, it wasn't worthwhile moving. You weren't gonna make that money back quick enough. So I have made the recommendation to retain the super fund you're in, but just to make some changes to your underlying investments there. So on this page here, you'll see in page number 18, you've got a couple of on the buy, sell line, the red and the green for the area there. It's basically showing you what we're gonna be buying and selling. So inside your super fund at the moment, you do have some physical gold, which is the top one there. You're about 9.21%. So at the moment, we wanna have about 10% in there. So we're gonna buy a bit more physical gold for you. You've at the moment sorry. At the moment, also got the beta shares a 200. So this is giving you exposure to the top 200 companies on the ASX there. At the moment, you have about 35.46%. It's a great investment for diversification, low cost. However, we only wanna hold about 10%. So you're a bit overexposed there at the moment, so we are gonna reduce that exposure down to 10%. And that means we'd be selling about 35,000 of that investment there. Okay? You've also got some Vanguard fixed interest. Again, you've got a lot there. We're gonna sell that completely down and put the funds into something else, so that's why that one is completely red. Okay. That's the third investment down. Just going down that line there. The Vanguard fixed interest. Yeah. That's okay. That so, look, it's not a bad investment. There's nothing wrong with it. However, we have found other areas that might perform a bit better or have performed better in the past. So selling that one down and redistributing the funds elsewhere. We've also got some beta shares cybersecurity. You'll see that one there is just being purchased a bit more. You have about 55.02% waiting at the moment, but when we kinda reweight the portfolio, we do need to just buy a little bit more of that to make sure you're weighted correctly. So for that $75 being purchased into that investment there. And then the iShares Europe. So this is giving you exposure to all the European companies, and it's quite important to have diversification, not just in different asset classes like gold and fixed interest and cybersecurity in The US and Australia, but also looking globally, so all over the world for investment opportunities as well. And this investment gives you exposure into all of the European companies, into the already established companies, but also areas where there is additional growth there. So it does help in reducing your risk level by diversifying. Does that make sense? Yeah. That's okay. If it doesn't, please tell me. I'm happy to break it down more for you. I know this can be a lot to go through. You're doing really well. So look. It does say you we are gonna buy a little bit more into the Europe investment there. We are gonna sell off the old European and old Japanese investment. They haven't been performing as well. And then we're keeping your exposure into the S and P 500 there, and we're just gonna bring that down from 26% to 20%. Underneath that, you'll see the last couple of all green, so buying a bit so buying a bit more into the beta shares Raffi 200 again. This is giving you some more exposure to the Australian share market there. We've also got some global infrastructure. Just looking at other ways to diversify and have infrastructure in your portfolio. Core composite bonds. So bonds are sort of thinking about, like, term deposits where you put your money into a bond, and you do get income and coupon payments paid back. So it is really good for defensive or low risk investments. And then we've also got the last two there, which we're buying as well, and that's essentially looking at high interest cash accounts, and the yield plus, again, is just looking at high income earning defensive low risk investments for you. So this is just essentially the changes that we're gonna make to the portfolio, buying and selling different investments that may have underperformed or may not be good to have in the portfolio moving forward, but also reducing your risk level. Okay? To make it a little bit ease yeah. Yeah. So, essentially, with your portfolio at the moment, you're in that growth portfolio. If you can move down the page for me to page number 20, I can explain that a little more detail so you can see it as well. But at the moment, you're in a growth portfolio. So it essentially sees about 80% of your super in growth assets. So you think about things like Australian equities, international equities, the shares, our property, and then also commodities like gold and silver. And those investments are where you're taking on a bit more risk in the market. So by taking on more risk in the market and having more of those investments, you can see good up turns or great performance when the market's performing really well. However, because you are taking more risk, when the market takes a bit of a dip, you can see that downside magnified as well. So you the downside often feels a lot heavier to you. Realistically, when we're younger, when we have, you know, twenty or thirty or forty years before accessing super, we're comfortable to take on a lot more risk in the market. We want those good returns, but we also know we can. We're not gonna access super or take money out when there is a downtime. So if you think back to COVID, the GSC, and the markets took a really big dip in those times, and it's fine to take on more risk so long as you're not you there's no no chance that you're gonna wanna take money out or retire when we see those down times there. So that's the sort of portfolio that you're in at the moment. When we did your risk profile in your annual review, your score is more of a balanced investor. And, realistically, you were wanting to access super at either 65 or 67, so you are a lot closer to accessing super. So we're wanting to look at reducing that risk level for you, and, essentially, the risk profile that you scored in that balance profile normally only sees about 60% in those growth high risk investments and then sees about 40% in those defensive lower risk investments. So it's kind of evening things out a little bit. You still want some of those growth assets like shares and property, and gold and silver because you still wanna get some returns, but you don't wanna take on a huge amount of risk. You don't wanna be seeing a really big downside when the market is down because of what could be happening overseas with another war or, you know, COVID or what happened in the DFC. So it's about sort of looking at what you're comfortable with and making sure that you're invested in the correct risk profile. One of the good things we look at or one of the one of the ways we think about this is looking at time horizon, and that's why we ask a lot about when you're wanting to access super or when you're wanting to retire. Because as I said before, if you have got, you know, twenty or thirty or forty years before you're accessing super, you can take more risk. You're not gonna access the super in the short term when there is that downside occurring. However, when you are only about, you know, four to five or even six years out, you are getting closer to accessing super. So you kind of don't wanna see really big down times and see really large dips in your portfolio just when you're wanting to take money up because it means you have to sort of you have to, you know, cement those losses and take money you may have to take money out in the downtime. Does that make sense? Yeah. So this is also about reducing your risk level, and that's why we're making the changes that we've got above there. So it's about making sure that we're reducing some of those growth assets, making sure you've got more of these defensive assets, things like cash, fixed interest, or defensive, you know, alternatives out there. Mostly, it's sort of looking at cash and fixed interest investments because they are seeing as better they do, tend to get a good rate of return, and it's about making sure that you're also getting income. So we wanna make sure your portfolio generates income. Those dividend payments and income are paid into your cash account, and we can reinvest that into your portfolio for you as well for compounding. Does that make sense? Yeah. So at the moment, if you look at that table, the risk profile that you scored in with that balanced area, you would normally see about 60% growth investments and 40% defensive. With the way you are at the moment in that growth portfolio, you've got 87.99% in growth investment. So you've got quite a lot more invested than where you would be normally be comfortable, and then only 12.01% in those investments defensive investments at the bottom there. So you can see there's quite a big discrepancy between where your risk profile fits and where you're currently invested in your super. Okay? Yeah. So what we'd be looking to do is make those changes that you see above, which brings your growth investments down to about 65%, and then we increase those defensive investments to 35. So closing that gap a little bit. Does that make sense? Yeah. Yeah. Perfect. Do you have any questions at the moment at all? Mhmm. Yeah. I can actually show you the projection table if you like. If you scroll down to page 21 for me, I've actually got an outline and a projection. Yeah. So you'll see the fee comparison table at the top has your balance. Essentially, you've got $1.45 $2.04 0 now. You currently got your administration fees, investment fees that you pay at the moment, our ongoing service fee for looking after and monitoring everything, contributions based on the income that you've got, and then your insurance premiums there as well. You'll sort of remember from the table above, you've got the 80% growth, 20% defensive, and that puts you in line with that growth asset allocation there. And this the return at the bottom there is showing an average five year rolling average over the past sort of five years and how this how this portfolio that you're currently in has essentially looked to perform. Doesn't mean that you're gonna get that every year, but if you stayed exactly where you are in the same risk profile with no changes to your portfolio and you were able to get that 11.24%, over the next two to four years, you could see your super balance end up around this $1.75 to 210 mark. Okay? That's where it could be, so long as it was able to get that 11.24%. Now the one thing I do like to sort of talk about is taking utilizing projection tables with a grain of a salt because we know this portfolio that you're currently in, you're taking on a bit more risk at the moment. You do wanna access super in the next sort of shorter term. So being in this kind of growth portfolio does see a higher level of risk in the market. You have more growth investments currently, and there is obviously the risk of having a bit of a downtime there as well over the next few years, which could mean that you may not get to that balance at the very top there. So it's sort of important to make sure that, you know, you're aware that this is obviously where we're projecting things forward based on the information we have. However, projections I like to point out should be taken with a grain of salt because, you know, in one year, you could get a 10% return, another year, you get a 20% return, but then we could also see a negative, you know, one or five or 10% return in that five year rolling period as well. Does that make sense? Yeah. Yeah. But all things considered, if you stay where you were made, no changes to your portfolio. That's where you could end up. What I'm recommending is on the next side. So with the recommendations retaining Netwealth, you'll see your balance is different slightly, and that's because of the $729. Now as I kinda mentioned before, whenever we make changes to your investments, there are tax consequences for your super fund. So your super fund does pay capital gains tax whenever we're buying and selling or making alterations to your portfolio. So that $7.29 is basically the the capital gains tax that your super fund would need to pay or account for after we complete the switch to those investments. Does that make sense? Yeah. Beautiful. So your balance there would be $1.44 $5.01 1. Underneath that, you have all your administration fees, investment fees, the ongoing service fee, your contribution again, and no change to your insurance premium. The difference being at the bottom there is that we are also looking to reduce your risk level, so moving you into more of a balanced portfolio. And this balanced portfolio has been, over the past five years, a rolling return of about 9.73%. So whilst it is a bit lower than the growth portfolio, it is it's expected that when you're reducing your risk level, that the returns are going to be affected. But you can see here with the balanced portfolio, over the next sort of two to four years, if you were able to get that 9% return every year, you can sort of see your balance grow over that $1.64 to $187,000 mark. And beyond that, it could continue to grow as well. So I am honest, and I'll let you know, obviously, reducing your risk level does reduce the returns as well, the expected returns to the portfolio. A balanced portfolio can see greater returns than what you're currently getting at the moment or what is, you know, what it is showing here at that 9.73%. But it's also about making sure that you're in a risk level that's comfortable for you. And as we as I mentioned, as we get closer to retiring, having less of those ups and downs, having more of those defensive assets can sort of protect us against some of those really big drops that we can see over the next few years as well. Does that make sense? Yeah. Did you wanna ask any additional questions here? I know this can be a little bit to go through, but did you wanna did you want me to clarify anything more for you? No. Sure. Yeah. Absolutely. So when you are you sort of talking about the age pension at age 67? Or yeah. Yeah. No. It's absolutely not. It's a fantastic question, actually. So, Sharon, when you are closer to age pension age, and what I wanna do with you is kinda kinda keep monitoring things and make sure that we're working as hard as we can towards your goals and boosting super where we can. But, essentially, when you're about thirteen weeks out from turning 67, you can apply for the age pension there. What they do is they have a look at all of your assets and your, so all of your assets, so any bank accounts you have, your cars, your contents, basically everything as well as your super. So long as all of your assets and income are under certain thresholds, you can still have super and also draw some age pension. And part of what I do is look at advice on how you can structure things so you can draw some out of super but also some age pension because we know your balance is a little bit lower. You are closer to accessing super. So, you know, realistically wise, I'm not gonna expect that you're gonna have, you know, 6 to $900,000 in there. I'm I'm realistic about it. However, even with a balance of 2 or $300,000 in super retirement, we can t team that up with some age pension, and you can still get longevity out of your super, and that's part of the advice that I'm able to provide down the track for you. Does that answer your question? Yeah. That's okay. Yeah. Well, at the moment, depending on your assets, sir, at the moment, given the assets that I have here, I'm just double checking because with your super balance and just seeing what else I've got noted here. All in all, super's $1.45, and we've got other assets totaling about 153. Realistically, you are, at the moment, eligible to get the full age pension, and then we can also draw a little bit out of so far. But we can assess that down the track much further. But at the moment, based on the assets so that I can see your current super balance and the assets that we have noted, you'd be eligible to get the full age pension, which would give you at the moment, the single rate is about $1,200 per fortnight, and then we could draw just a small amount out of sleep with a supplement the difference to make sure you have enough in the way of living expenses. Mhmm. Yep. Yeah. So when we did the annual review last year, we had other assets noted down. So we have a Toyota Corolla. Asset value then was about 13,800. You had about 40,000 in savings in the bank and then also had an investment account with another 6,500, and then you had contents estimated at about 93,000 in value. Yes. So it's not with your the insurance. And, realistically, your contents is valued on your insurance at 93,000. But when we talk about Centrelink and Age Pension, we normally look at fire sale values. So we'd knock your contents down much lower than what it is. But even at your current with your current assets that I can see here, you're under the lower threshold. So, realistically, you should be eligible for a full age pension. I'm just double, triple checking these thresholds at the moment for you because I was looking at those earlier. Now you can I double check, Sharon, you're renting out? You you don't own a home? You're not a homeowner? No. Honestly, it's an it's an individual decision. I mean, it it does mean that you don't have to pay rent. However, there are other expenses like your home and contents insurance and, you know, your regular taxes and things like that to cover it. Right? So there are other expenses to be considered in there as well, but it's it's honestly a personal decision. At the moment, for a single person as a non homeowner to be able to access full age pension, total assets need to be less than 759,500. Absolutely. Yes. So given your current circumstances, even with the changes and the projected outcome, it does look like you're under that threshold. So we might be able to down the track book of getting full age pension and then work out the shortfall of what you need income wise and be drawing a smaller amount out of super just to supplement that and try to make sure we get as much longevity out of your super as possible. Okay? Yep. Absolutely. Yeah. Definitely. So you keep the super invested. Yeah. Yep. Yes. Absolutely. Absolutely. So one of one of the good things is we would move you fully into essentially the pension. Because at the moment, you're in the accumulation side of things. You're accumulating that wealth towards your goal of being able to start working and retire. So when you actually do retire at 65 or 67, whenever it's comfortable for you, we'll move you into pension phase. At the moment within so far, your your income and your capital gains is all taxed at 1510% of your, you know, your assets are held for over twelve months. You get a bit of a discount on CDT. However, in pension phase, there's no income tax, and there's no CGT consequences. There's no taxation whatsoever. So any income that you're it absolutely does. Yeah. So your fund doesn't pay income taxes. There's no CGT consequences. You'll be able to draw some income completely tax free for yourself as well. And so that pension phase is essentially a tax free sheltered area for you. We would be drawing just a small amount of money out that you need on a regular basis, maybe weekly or fortnightly, however much you need and whatever time frame you need to supplement the age pension. And then the money that's left in there remains invested. So you do wanna be making some income to help draw down those payments, but also having some growth in there as well to kind of help build and keep your super working as long as possible. So that's that's all what I sorta do when you get closest to that age. Yeah. It's pretty cool. Yeah. Oh, it's okay. Oh, I do understand. Yeah. No. Yeah. Absolutely. Yeah. Of course. Yeah. Yeah. No. That's that's understandable. And, look, you've still got a bit of time on your side now, so we're doing what we can now to sort of get things working and keep you on track. You've done really well thus far, but we're just gonna keep track of you a little bit longer there and look at what else we can do. The other thing I wanted to be talked about was looking at other strategies. Because you are over the age of 60 now, do you remember us talking about that transfer time strategy where you can sorry. Increase your contributions in the super and also take a little bit of money out? Do you remember talking to me about that last time? Yeah. So I've also incorporated that for you. If you can go down to page 25 for me, I'll take you through how this works. That's okay. You're fine. Yeah. It should be a blue box. It should say, Sharon, command to transition to retirement strategy. Yeah. Perfect. Now the way we're sort of looking to do this and the way this sort of strategy works is that we're able to move a certain portion of your funds into the account based pension side. It's called a TTR pension, a transit retirement pension account. We do have to leave about 10,000 behind, and the strategy I've worked out on the second line here, it shows you that we're gonna commence that with a 134,411, and we're gonna leave that 10,050 in your current accumulation account. So you'll end up with two super accounts. One super accumulation as you have it now. The next one's gonna be like a a it says pension account, TTR pension account on there, and you'll see the funds distributed between the two accounts. What we're going to do, and I'll go through this a little bit easier. If you scroll down past that writing because it can be a bit confusing, if you scroll down to page the bottom of page twenty six and twenty seven there, I've actually got a table that outlines this. And when we sort of spoke last time, you sent me a copy of your two payslips. So I was able to have a look at your payslips to work out what your average earning capacity is and so we can look at how best to keep your take home pay as much the same as possible. Okay? So what I had to look at because you are an aged care worker, you do get different penalties and do work, you know, some additional shifts here and there. So what I've done is I've taken your highest payslip, worked off your gross income, and projected that forward to make sure we're not exceeding any contributions caps at all. But, essentially, when I had a look at your pay slip and evened it out over the course of the year, it did show me that your gross income for the year is expected to be about 65,115. Can I double check? Would that have changed since would you be on anything more than that since we last caught up? Would that be Okay. Yeah. Beautiful. Excellent. So we've worked out your income here. So what essentially happens is and you'll see the current position and proposed position. The proposed is what we're gonna do to make the changes. Essentially, having your income at that 65,115 gross, at the moment, there's no salary sacrifice contributions. So you'll see your net income, your net taxable income is about 65. So it's your gross taxable net income. Gross taxable income, I'm sorry, Sharon. If I could talk this afternoon, it would be okay. I'm being tongue tied. It's $65.01 $1.05. And then the income tax on that the income tax taken out is 11,601, which essentially means that your take home pay is about 53,514 there. Okay? With the proposed column, we start again at the top with your your gross income, and then we're gonna increase your salary sacrifice contribution. So for the year, we're gonna then put 20,200 in there that you get paid on a fortnightly basis. So I'll work it out for you as a fortnight. It would be about $776.92 per fortnight. That we increase your contributions in to supervise that amount. And then you'll see there that does decrease your take home pay. So your take home pay decreases to 44,915. It also decreases your income tax. So your income tax goes from 11,601 to 4,843. Now because we know increase in the contributions reduces your take home pay, we don't want that. So under the strategy, you'll see on the bottom there, the pension withdrawal. It's the second column from the bottom of that same table. The number 13,000 four 40 one. So on the same line, look at the second last column from the bottom there. It says pension withdrawal, and the number is $13.04 $4.01. Yeah. Perfect. So with the recommendation, we're increasing your contributions in the sofa. It reduces your take home pay. So then under this strategy, we're able to then withdraw that $13,000 on a yearly basis or if I work at per fortnight, $516 from your transition pension account to your bank account. The money you're taking out of super is completely tax free, and you're putting more money into super than you are taking out. But it brings your take home pay back to the same level. That's okay. That's okay. So to run through it again for you, we're starting off with 65,115. That's your gross income for the year. We're gonna increase your contributions to super by 20,000. So $65.01 $1.05 minus that 20,200 means your taxable income is reduced to 44,915. And then the income tax is deducted to 4,843. That comes off that $44.01 9, which means your net take home pay is 40,072. But under the current scenario, your take home pay is currently 53,514. So we wanna get that back to that 53,500 mark. So you can withdraw that 13,000 out of super, 13,000 on top of that $40.00 $7.02 brings you back to your actual take home pay. It's okay. It is a lot. Yeah. Yeah. So what we'll essentially do is we'll give you a salary sacrifice letter, which tells you how much to put into super. Your employer will organize that along with your contributions. They will put that money into super pretax as part of the salary sacrifice, and then we will organize that withdrawal of that 13,000, which is about $516 on a fortnightly basis. We'll organize that to come out of your pension account so it hits your bank account. So the income you get from your employer plus the amount you're gonna take out of super will replenish your income. It keeps your take home pay exactly the same. It's about a dollar difference from what I've worked out here, but it keeps your take home pay basically exactly the same for the year, and it means that you're putting a lot more money into super to provide a a greater benefit inside super. Does that make sense? So if you decide to take on these recommendations, we will essentially settle this up straight away. What we will do first is we'll start by doing the investment switch, then we open the pension account. We move the money over, and then we give you the letter with the salary sacrifice. The way I like to work this out is that we'll let you know when the first pension payment is due so you can tell your employer when to start the salary sacrifice. I never want your salary sacrifice to start prior to your pension payment coming down because otherwise, you end up with a bit of a shortfall. So when we know when your first pension payment is due to be drawn down, which replenishes your income, then you can start your salary sacrifice. Does that make sense? That's okay. You yeah. Your employer does it. So you just tell your employer you wanna make x contributions in the super, and they organize that the same as they do with your employer contributions. It comes out pretax. In the super or is it salary packaging? Yeah. So this is a little bit different. So you've got what's called salary sacrificing or salary packaging, which is paying you can use it for rent or use it for paying off a car or a lots of other options. This type of salary sacrifice is where money is taken out of your income pretax and put into super. Yeah. And because and at your marginal tax rate of, say, 30% or, you know, plus the Medicare levy, so 32%, inside super, that extra 20,000 is only ever they only take 15% tax. So you're essentially putting more money into super. It's taxed at a lower rate in super, and that money stays invested for you. Does that make sense? Yeah. Yep. Yeah. Yep. Correct. It's just that it comes from two two different areas. So, essentially, we're putting money into super. You're taking some out to replenish your income, and your fortnightly yearly income will stay the same. Yeah. It's a lot. I know. It is a lot. It is a lot, but it is a really cool strategy. It's a great way to sort of be making sure you're able to put more money into super so you have more invested providing that benefit inside super. But at the same time, by making additional contributions to super, your take home pay is affected. And living expenses are a lot at the moment. So this sort of strategy allows you to put money in the super, but also to have some taken out so that your take home pay isn't affected, but you're still able to add more money into your super. Does that make sense? Yeah. Package. Yep. Yeah. It is a little bit different. The salary packaging is where you're moving money pretax from your income into other areas. It could be going on to a debit card for usage elsewhere. It could be going into your rent. I'm not sure where your salary packaging to. That is yeah. So you're just you're just doing your rent pretax to cover your rental expenses. Yeah. Yep. It's very very similar. So the money goes out of your income pretax and into your super fund and gets invested along with your employer contributions. Mhmm. Yep. So sorry. I think I've lost you a little bit there. So the what do you mean by the next day? Do you mean the money's in soup for the next day or the money's in your bank account the next day? I'm so sorry. Yep. Yep. Yes. So the way this works is that your there's often a little bit of a discrepancy around the days. The money would be put from your from your from your income pretax into super and at certain points. So we can set up each week or each fortnight on a certain day. It can coincide with your income with your income from your employer, and we tell your super fund when to make those income payments. And those income payments go into your bank account, but we can make those work in line with your with your pay week. Absolutely. Yeah. Yeah. Yep. Yep. Yep. Definitely. Yep. Yeah. Absolutely. See, we're it's about just setting up because it happens in two different areas. The money comes from your income to super happens one day your employer organizes that with your payslip. The money coming out of super to replenish that is a whole different scenario. We're setting up two separate transactions. One from your employer to your super fund, the other one from your super fund to your bank account. The one from your super fund to your bank account, we can organize to happen on a certain day that suits you. We can happen on a weekly basis. It can happen in line with your income. So if this week is your pay week, we could make that a start of the same day as your pay week. We can have it happen the day before or the day of. That way, it's in there either the day of or the day after, whatever suits you. And it just happens every fortnight, essentially. We can even do it the opposite way to your pay week if you want. So we can set it up however is com comfortable for you. Yeah. Yeah. Absolutely. What we sort of also do is we when we set this up, we always set up the pension first and find out when the first drawdown, when the first pension payment is due to you. That way, you receive the first pension payment before you start your salary sacrifice into super. We do that because if we did it the other way, the salary sacrifice comes out, and then you find you might be left a little bit short because your income's your take home pay isn't being replenished in time. So I like to start it so we start your pension withdrawal first, and then when we know the first payment, then you can let your employer know to start that salary sacrifice payment for you. Does that make sense? Yeah. That's okay. That's okay. Yeah. No. Definitely. We'll have a look through it. I mean, the way this works is that, you know, you don't have to pay out as much as what you put in because of the tax side of things. But when you sort of calculated the 65, sorry, minus the 20,000, it brings you back to $44.09 $1.05, and then you've got your tax there as well. Ultimately, that means that your net income is 40,072, and then replenishing it with the 13,000. I'm so sorry, Sharon. I just had a bit of a coughing fit. Sorry about that. I'm so sorry about that. I just had a little bit of a coughing bit. Yeah. But, look, there's no there's no if you're not comfortable taking it on, what you don't ever have to It's about showing you ways that we can look to boost the super and also make sure to re replenish your income for you as well. Okay. Yeah. Yeah. No. Absolutely. Yeah. Yeah. Yeah. Yep. Yeah. Absolutely. And we can work with you to make sure that those pension withdrawals are set up on the day, you know, that you need them to be in there, that's not a problem at all. Yep. Yep. Mhmm. Yeah. Yeah. So think of it like two very separate transactions. It is a little bit different the way it works for salary packaging because when their salary packaging goes out then comes back in when salary sacrifice, your employer when they do your income or your pay, they're going to then increase the amount that they put in the super. So just like they do with your pay and your employer contributions, they'll hold a separate amount aside out of your income, which goes into your super fund up here. And then we because your take home pay is reduced, we then set up a separate withdrawal from your pension your super pension account, and we withdraw that down to your bank account. And that replenishes your income. Sorry. Yep. Yeah. That's correct. Yes. That's okay. That's absolutely fine. The idea is and you'll see the difference. We are we're putting in 20,200 over the course of the year, but we're only withdrawing out $13,004.04 1. So it works because you're putting more money into super from your income, and you're drawing a little bit out of super to keep your take home pay the same. The amount you take out of super, because you're over 60, is completely tax free. Does that make sense? Yeah. That's okay. It's a lot to get your head around. It's absolutely fine. That's okay. That's alright. You're welcome to ask anything more you have. I'm I'm here I've booked you in for lots of time, and and it can be a very complex strategy to do, and it does take us a bit of time to put it together. So, you know, ask any questions you have. Take some time to read it over, and do come back if you do have additional questions there. Okay? Yeah. We absolutely can. Did you want one posted to you? No. Yeah. Absolutely. Not a problem. Yeah. I would. Yeah. So on that page with where you are at the moment, if you scroll down a little bit further for me, down to sorry. I've got a projection table here for you. Down to page number 34. Yep. Yeah. Beautiful. So this is a fee comparison table. It's another projection table there. Just looking at the recommended, you'll see your two net wealth accounts. You start with having 10,050 sitting in the super side of things, and then your TTR pension has that one thirty four four four one. You'll have the administration fees, investment fees, the ongoing service fee for us looking after everything is distributed across. Your total contributions increased in the super, and then you'll see your pension withdrawal of the $13.04 $5.01 there. So your pension withdrawal will come out of that account. Your contributions go into the super account. And with the the investment changes lowering your risk and being in a balanced portfolio, over the next two to four years, you can see we do end up with a bit more as per the projection below there. It's below. So below that fee table, you've got the the projection table there with two and four years. Yep. It'll go up to that $1.70. Yeah. That's if you don't make any changes. So that's if you stay in the same super account, don't change the portfolio, don't lower the risk level, you stay in the same portfolio you're in. Obviously, being in a higher risk portfolio, not making any changes there, you can be in a better position. And the whole thing about this is you're lowering the risk level as well. So by doing a strategy, you're able to sort of close that gap a little bit. But by reducing your risk level in the portfolio, taking less risk in your super, you'd we do expect less returns. So there is gonna be a gap between where you are currently projected to where you might be projected. Yeah. Yep. Yes. Yep. Hundred and 70. Yep. Yep. Or a 197 in four years' time. It is. Yes. Yep. Yeah. Correct. Yeah. So it is closing the gap a little bit, but we're knowingly we do expect lower rates of returns. And look, the markets could perform much better. You could get a much greater return than that 9.73%. You could get a 20% return or a 15% return one year. So you could end up with definitely more of this. And with this strategy, we refresh it every year. So we come back and review what you're earning, what your pay, what your income looks like, how your super's been working. If it doesn't work, we can close it off and roll everything back and go back to looking at other strategies, or we can always do a refresh where we roll everything back to accumulation, start again in the pension, rework your draw downs and what you can put into super, and keep kind of refreshing the strategy so it's working for you each year. Yeah. Yeah. Absolutely. We'll do an interview in a few months' time to see how things are going so far. And then, yeah, absolutely. We'll, you know, touch base when you hit that twelve month mark, look at what's changed in your life and how everything's going, and then we can look to refresh the strategy for you. Yeah. Yeah. Okay. Yeah. It is. I absolutely understand that it is it is a lot to take in. It is a very complex strategy to it. It is really cool because this is not open to people when they're under the age of 60. Unfortunately, you've gotta be 60 to be able to access these social strategies. But there it is a good way to be able to put more money into sofa. That way, you're providing a greater benefit, having more money invested, but also being able to draw a little bit out of your sofa. So but as as I sort of said before, this is just the recommendations. It is up to you whether you take the recommendations. You do not have to in any way. If you decide you don't wanna take that transition strategy just yet, you wanna maybe hold off and, you know, look at something else, we can absolutely do that. You can look at just making contributions if you want to, just doing the investment switch and seeing how things go. Essentially, the advice document is outlining the recommendations to show you where we can sort of hopefully put you in a better position down the track. But at the end of the day, it's just within your comfort level as well, and I don't ever want you to feel like you have to take on the recommendations. You're allowed to say, I'm not quite comfortable yet. Let's hold off for a few months and come back and revisit that. And that's absolutely fine. Yeah. Yeah. That's okay. So what we'll do, on the very last page of the document there, you'll see where it's got your site your name and a little signing box there. You've got a little text box. In there, if there's any sort of a strategy you don't wanna take on board or you wanna hold off on, we just get you to write a little blurb. So in if they're in, say, you don't want the the TTR strategy, just say, hold off on the pension strategy or I just want the investment switch. And just a little bit of instruction as to what you want us to follow, and that's absolutely fine. We'll follow that direction for you. Okay? Yeah. Yes. Yeah. Yeah. Yeah. So it's about making the changes to the investment profile. It's reducing the risk level that you're taking and also, you know, making putting you in a better performing investments and lowering the risk, trying to sort of make it so you don't feel those ups and downs as drastically and try to get long term consistent returns as well. But, yeah, the pension strategy is also about trying to increase your contributions in the super because markets will work and can only work so far. Contributions go a long way to assisting that, and this sort of allows you to make contributions without having to affect your take home pay. But it's not something that everyone talks about, and it's something that sometimes people are a little bit hesitant about. And if you just decide to hold off on that side of things, that's okay. You can tell me to call back in a month or two or three, and we revisit that. I can do this again in a few months time for you. It's not a problem at all. Okay? Yeah. Just on the the very last page. So the page number, just so you've got it there, is page number 48, and you should see a text box there. Does it have a little text box at all? Yep. Yeah. That's the one. Yeah. So you'll just write a little blurb in there just saying, you know, something that you do or don't want. Yep. Yep. And if you get stuck, just give us a call. We can certainly help you along, but it's not a problem at all. Okay? All good. As part of no. Please don't. It's absolutely fine, Sharon. As I said, this isn't stuff that everyone is aware of, and these sorts of strategies is why us as advisers come up with these sorts of things to sort of help you along because it's not something everyone's aware of. So we like to kind of put the options out there and show you how this works. And if you're comfortable taking it, absolutely. If you're not, don't worry. Please don't ever apologize. It's absolutely fine. I can come back and do this again. I actually really enjoyed doing putting these things together for you. So I'm more than happy to go back and revisit it, look at it again. We can just, you know, make some small changes now then come back and do your review in a few months' time and then, you know, look at what changes we can make then or what you're comfortable looking at or what's changed in your life. Or if you just decide to make, you know, you wanna maybe make some additional contributions, we can do that as well. There's lots of different ways to sort of boost your super and lots of different things that we can do there for you. Okay? Well, it is the best way to go because you're putting more money in the super, but you're also taking some out to replenish your income If you decide to not do the the pension account side of things and just make additional contributions, that's absolutely fine, but it does reduce your take home pay. So these TTR strategies are the best way to go because you are keeping your take home pay the same, reducing your income tax, and also making more the super. But it's not always something someone's comfortable doing, and that's that's okay. Yeah. Yeah. It's okay. No. You're fine. Yeah. Yeah. Yep. That's okay. And and as I said before, like, we will not do it. We won't send the salary sacrifice letter until that pension account is set up, until we have your first pension payment drawn down. That way, you've got that as a backup. We know the first payment's worth. It's in your bank account, and then we can set that salary sacrifice option up and have that money moved into super for you. Yeah. Yeah. Okay. No. You're absolutely fine. It's not a problem at all. I will also let you know after those recommendations. We've also made recommendations on your beneficiaries. So you wanted your adult children, but we sort of talked about the tax consequences there. So money from super and from your life insurance proceeds that are paid to nontax dependent, it does mean they have to do they do have to pay tax there. So I am making recommendation that you owe to the beneficiary to be your legal personal representative. That essentially means that in the event of you passing, that the super annual life proceeds are paid to your estate, and then you just need to make sure you have a will drawn up so that it is directed to your kids. And that way, you can actually it does reduce the amount of tax they do pay. So it just saves them a little bit of extra tax, meaning they can get a bit more out of them out of it. And you will you have a lot more say in where that money is directed and how it's directed to them. Yep. And we'll alter the beneficiaries here to be put towards your will. Yep. So you wanted your life insurance proceeds and your super left to your adult children? Yep. So, essentially, what we would do is we'll update the beneficiary nomination. So they say LPR on your super and your life insurance. And if in the event you would have passed away, you just gotta make sure you have a valid will. And as part of that will, you just need to make sure in the will and just you can speak to a solicitor. They can draw up a will. We can provide you with some details on a local solicitor, or you can get a free will kit done up. You just go to the post office and buy a will kit. There are often a point where some of the banks and other finance institutions will let you know they're doing free will kits as well. But just having a will drawn up and in the body of the will, making sure it does stipulate that your super and life proceeds are be to be directed across and where you want those to be directed to. So, to. So, essentially, in the event you were to pass away, your super and your life insurance money is sent to your estate. All your other assets are sold off or accumulated. Everything is pulled together, and then it's directed out to your kids as per the direction in your will. Does that make sense? Legal personal representative. It stands for it's LPR, stands for legal personal representative. It's a funny word for your estate. Yep. Yeah. It'll all get pulled in with that and then in your will. So do you have a will at the moment? Yeah. Yeah. So in the body of your will, when you speak to a solicitor, they'll talk about, you know, what happens to your life proceeds, what happens to your super, what happens to your cars or your jewelry, things like that. And that oldest gets nominated in your will, but it is really important to have done that up. And having your beneficiary structured this way, because with the way your kids are, they're adults at the moment, and they're basically, if they were to receive the proceeds direct from your super and your life insurance proceeds, they do pay tax on that. Essentially, the tax is up to 17%. So having it directed through your will just reduces the amount of tax they have to pay on those those funds, meaning they can get a bit more out of it for you. Does that make sense? Yeah. All good. Oh, that's okay. That's alright. We can send out if you like, I can organize it'll probably be tomorrow if it's okay, But I can send out a I can send out an email to you, which has some information on a local solicitor that we can refer you through to, but it costing just for you to have a look at, and then feel free to have a look at some other solicitors as well. Oh, perfect. Yeah. Yeah. No. Perfect. That is absolutely perfect. But, look, what I'll get you to do take some time to read through this. I'll get someone to print a copy and email it and so I post it out to you as well. You're welcome to take some time to read it over. It's got the advantages, the disadvantages, a bit more detail around how those strategies work. Have a read through them. Let me know if you do have additional questions, and we can always come back and have another conversation prior to you taking on any of the advice. Okay? Oh, good. That's okay. No worries. Oh, that's okay, Sharon. I'm here for you. It's not a problem at all. You too. Thanks, Sharon. Talk to you soon. See you later. 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Sharon. It's Dana from Oakey Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in to go through your updated advice document. Is now still a good time there for you? Fan fantastic. How's your day been so far? A lot going on.\n\nUnderstandable. Sharon, can you happen to have access to your email, sir, at the moment as well? No. That's okay. If not, that's absolutely okay.\n\nI can talk you through the advice document. If you're not sure if you remember back when we sort of spoke late last year, we did your annual review. We talked about looking at different super, but also reducing the risk level. So I've actually got a bit of a larger document to kinda go through with you. I just thought, normally, it's easier if we're able to look at the documents together.\n\nBut if you're not, I'm fine to run through things and then allow you to have a bit of a look at it later. It's up to you. That's okay. I haven't. I'm just about to send it now.\n\nSo I'll just press send on this one for you. Just while it is coming through, Sharon, I just need to let you know before we do go through the advice that we do record our calls for quality and training purposes. Are you comfortable with me doing that proceeding with that? Yep. Fantastic.\n\nAnd I'll just you're right. Oh, fantastic. Excellent. And I'll just do a quick security check there with you as well just to get you to confirm your full name, your address, and date of birth I should have. Yep.\n\nBeautiful. Thank you so much for that. Beautiful. Okay. Now you said the email's popped through to you there.\n\nWhen you open the email, I have got the document attached, but it's also attached as an attachment. So you can open either one. It's completely up to you, whatever is easier To view the document that is in the the actual email itself, you should just be able to click on the button that says sign, and it should just take you through so you can move up and down through that document. But let me know if you have trouble doing so. That's working okay?\n\nOh, fantastic. Fantastic. So on the front page there, you'll see a statement of advice has been prepared for yourself. As of the 05/18/2026, sir, has been prepared by myself and my lovely team here at Oakview Financial. What I'll do is I'll just hit the points and go through the pages that we need to sort of go through, and then I'll let you go back and have a bit of a read through the document.\n\nThere is quite a bit there. It does outline all the recommendations, the advantages, disadvantages, the risks involved, and any alternatives that we've considered. And then before taking on the advice, you're welcome to come back and let me know if you do happen to have any questions at all. Okay? Fantastic.\n\nNow the areas that this advice document has been limited to are areas of superannuation and estate planning to making sure that your beneficiaries are set up in line with what you're comfortable with. You have mentioned that you wanted your adult children nominated to the super fund and your life insurances, but you wanted us to look at doing that in the most tax effective way for you. Okay? And then we've also looked at superannuation. So you're hoping to be out of access super at around the age 67, hoping to draw income of about $1,100 per week.\n\nSo we're looking at other strategies there now that you're over the age of 60, looking at other strategies that can provide a boost to your sofa. But with the volatility that we are seeing and because you are closer to accessing sofa, also looking at making sure the portfolio is in line with a lower risk profile as well. Okay? Excellent. Areas that we've scoped out, this is a bit further down in the document there on page number five.\n\nSo we've scoped in limited just to a limited extent the areas around the retirement income needs. So what I've done is, as per the advice, gone back and done some research there for you, looked at ways and different strategies that we can put in place, but then looked at how the long term effects look like given these strategy that strategy that we wanna implement and how that might look for you when we project forward over your income side of things. So it's giving you a bit of an idea of where we're tracking for and what that looks like, and then we'll just keep updating the advice and making changes as we need to as we track towards those goals. Okay? That was on page number five and six.\n\nYeah. Yeah. So it should have the heading scope of advice, limited scope. Yep. And then down on page number six, I've just noted there that we're not making any changes to your life insurance.\n\nYou were happy with the life insurance you had. It was more just about retaining that for the time being until you don't wish to keep it anymore. It's scoped into a limited extent just because it is paid out of your super. So it's just about making sure that we have taken the premiums into account as we're making recommendations around your super and income needs. Okay?\n\nAll good. Now what I'll do is I'll take you through a lot of the advice document. If I can get you to scroll down for me, just the page number so sorry. Page number eighteen and nineteen, I'll take you through the initial recommendations with so far. That's okay.\n\nYeah. The heading there should say recommended investments. Yeah. You're alright. That's okay.\n\nYou're absolutely fine. I'll go as slow as you need. Yes. Excellent. So this is essentially showing you the the first changes that we do wanna make to the portfolio.\n\nSo as per the research, I went back and I had a look at all the super funds out there, including where Netwealth, where you are at the moment, as well as any other super funds that might be applicable or cheaper for you. I did look at the cost that they might be, but also looked at the tax consequences for making any changes to your super. So I have made a recommendation that we retain your Netwealth super account for the time being. There's no need to make any changes to it at the moment. It is a great super fund, but it's also about making yeah.\n\nYeah. The super fund itself isn't bad at all. Essentially, the super fund, just think of it like a vehicle. You'll you you put your money into the super fund and into the cash account, but what really gets you the returns is the underlying investments is where your money's invested. And the super fund itself is just an investment vehicle to hold those the funds and to have them invested.\n\nSo Netwealth is not a bad fund in any way, shape, or form. The admin fees can be a bit higher than other funds out there. However, one of the things I did look at was if we move you to another fund, we have to sell down all of your investments, and your super fund, just like you, does a tax return every year. So we need to consider when we are selling and moving to different super funds what the tax consequences might look like for that. I did sorta have a look around, and the tax consequences to selling down all your investments, it wasn't worthwhile moving.\n\nYou weren't gonna make that money back quick enough. So I have made the recommendation to retain the super fund you're in, but just to make some changes to your underlying investments there. So on this page here, you'll see in page number 18, you've got a couple of on the buy, sell line, the red and the green for the area there. It's basically showing you what we're gonna be buying and selling. So inside your super fund at the moment, you do have some physical gold, which is the top one there.\n\nYou're about 9.21%. So at the moment, we wanna have about 10% in there. So we're gonna buy a bit more physical gold for you. You've at the moment sorry. At the moment, also got the beta shares a 200.\n\nSo this is giving you exposure to the top 200 companies on the ASX there. At the moment, you have about 35.46%. It's a great investment for diversification, low cost. However, we only wanna hold about 10%. So you're a bit overexposed there at the moment, so we are gonna reduce that exposure down to 10%.\n\nAnd that means we'd be selling about 35,000 of that investment there. Okay? You've also got some Vanguard fixed interest. Again, you've got a lot there. We're gonna sell that completely down and put the funds into something else, so that's why that one is completely red.\n\nOkay. That's the third investment down. Just going down that line there. The Vanguard fixed interest. Yeah.\n\nThat's okay. That so, look, it's not a bad investment. There's nothing wrong with it. However, we have found other areas that might perform a bit better or have performed better in the past. So selling that one down and redistributing the funds elsewhere.\n\nWe've also got some beta shares cybersecurity. You'll see that one there is just being purchased a bit more. You have about 55.02% waiting at the moment, but when we kinda reweight the portfolio, we do need to just buy a little bit more of that to make sure you're weighted correctly. So for that $75 being purchased into that investment there. And then the iShares Europe.\n\nSo this is giving you exposure to all the European companies, and it's quite important to have diversification, not just in different asset classes like gold and fixed interest and cybersecurity in The US and Australia, but also looking globally, so all over the world for investment opportunities as well. And this investment gives you exposure into all of the European companies, into the already established companies, but also areas where there is additional growth there. So it does help in reducing your risk level by diversifying. Does that make sense? Yeah.\n\nThat's okay. If it doesn't, please tell me. I'm happy to break it down more for you. I know this can be a lot to go through. You're doing really well.\n\nSo look. It does say you we are gonna buy a little bit more into the Europe investment there. We are gonna sell off the old European and old Japanese investment. They haven't been performing as well. And then we're keeping your exposure into the S and P 500 there, and we're just gonna bring that down from 26% to 20%.\n\nUnderneath that, you'll see the last couple of all green, so buying a bit so buying a bit more into the beta shares Raffi 200 again. This is giving you some more exposure to the Australian share market there. We've also got some global infrastructure. Just looking at other ways to diversify and have infrastructure in your portfolio. Core composite bonds.\n\nSo bonds are sort of thinking about, like, term deposits where you put your money into a bond, and you do get income and coupon payments paid back. So it is really good for defensive or low risk investments. And then we've also got the last two there, which we're buying as well, and that's essentially looking at high interest cash accounts, and the yield plus, again, is just looking at high income earning defensive low risk investments for you. So this is just essentially the changes that we're gonna make to the portfolio, buying and selling different investments that may have underperformed or may not be good to have in the portfolio moving forward, but also reducing your risk level. Okay?\n\nTo make it a little bit ease yeah. Yeah. So, essentially, with your portfolio at the moment, you're in that growth portfolio. If you can move down the page for me to page number 20, I can explain that a little more detail so you can see it as well. But at the moment, you're in a growth portfolio.\n\nSo it essentially sees about 80% of your super in growth assets. So you think about things like Australian equities, international equities, the shares, our property, and then also commodities like gold and silver. And those investments are where you're taking on a bit more risk in the market. So by taking on more risk in the market and having more of those investments, you can see good up turns or great performance when the market's performing really well. However, because you are taking more risk, when the market takes a bit of a dip, you can see that downside magnified as well.\n\nSo you the downside often feels a lot heavier to you. Realistically, when we're younger, when we have, you know, twenty or thirty or forty years before accessing super, we're comfortable to take on a lot more risk in the market. We want those good returns, but we also know we can. We're not gonna access super or take money out when there is a downtime. So if you think back to COVID, the GSC, and the markets took a really big dip in those times, and it's fine to take on more risk so long as you're not you there's no no chance that you're gonna wanna take money out or retire when we see those down times there.\n\nSo that's the sort of portfolio that you're in at the moment. When we did your risk profile in your annual review, your score is more of a balanced investor. And, realistically, you were wanting to access super at either 65 or 67, so you are a lot closer to accessing super. So we're wanting to look at reducing that risk level for you, and, essentially, the risk profile that you scored in that balance profile normally only sees about 60% in those growth high risk investments and then sees about 40% in those defensive lower risk investments. So it's kind of evening things out a little bit.\n\nYou still want some of those growth assets like shares and property, and gold and silver because you still wanna get some returns, but you don't wanna take on a huge amount of risk. You don't wanna be seeing a really big downside when the market is down because of what could be happening overseas with another war or, you know, COVID or what happened in the DFC. So it's about sort of looking at what you're comfortable with and making sure that you're invested in the correct risk profile. One of the good things we look at or one of the one of the ways we think about this is looking at time horizon, and that's why we ask a lot about when you're wanting to access super or when you're wanting to retire. Because as I said before, if you have got, you know, twenty or thirty or forty years before you're accessing super, you can take more risk.\n\nYou're not gonna access the super in the short term when there is that downside occurring. However, when you are only about, you know, four to five or even six years out, you are getting closer to accessing super. So you kind of don't wanna see really big down times and see really large dips in your portfolio just when you're wanting to take money up because it means you have to sort of you have to, you know, cement those losses and take money you may have to take money out in the downtime. Does that make sense? Yeah.\n\nSo this is also about reducing your risk level, and that's why we're making the changes that we've got above there. So it's about making sure that we're reducing some of those growth assets, making sure you've got more of these defensive assets, things like cash, fixed interest, or defensive, you know, alternatives out there. Mostly, it's sort of looking at cash and fixed interest investments because they are seeing as better they do, tend to get a good rate of return, and it's about making sure that you're also getting income. So we wanna make sure your portfolio generates income. Those dividend payments and income are paid into your cash account, and we can reinvest that into your portfolio for you as well for compounding.\n\nDoes that make sense? Yeah. So at the moment, if you look at that table, the risk profile that you scored in with that balanced area, you would normally see about 60% growth investments and 40% defensive. With the way you are at the moment in that growth portfolio, you've got 87.99% in growth investment. So you've got quite a lot more invested than where you would be normally be comfortable, and then only 12.01% in those investments defensive investments at the bottom there.\n\nSo you can see there's quite a big discrepancy between where your risk profile fits and where you're currently invested in your super. Okay? Yeah. So what we'd be looking to do is make those changes that you see above, which brings your growth investments down to about 65%, and then we increase those defensive investments to 35. So closing that gap a little bit.\n\nDoes that make sense? Yeah. Yeah. Perfect. Do you have any questions at the moment at all?\n\nMhmm. Yeah. I can actually show you the projection table if you like. If you scroll down to page 21 for me, I've actually got an outline and a projection. Yeah.\n\nSo you'll see the fee comparison table at the top has your balance. Essentially, you've got $1.45 $2.04 0 now. You currently got your administration fees, investment fees that you pay at the moment, our ongoing service fee for looking after and monitoring everything, contributions based on the income that you've got, and then your insurance premiums there as well. You'll sort of remember from the table above, you've got the 80% growth, 20% defensive, and that puts you in line with that growth asset allocation there. And this the return at the bottom there is showing an average five year rolling average over the past sort of five years and how this how this portfolio that you're currently in has essentially looked to perform.\n\nDoesn't mean that you're gonna get that every year, but if you stayed exactly where you are in the same risk profile with no changes to your portfolio and you were able to get that 11.24%, over the next two to four years, you could see your super balance end up around this $1.75 to 210 mark. Okay? That's where it could be, so long as it was able to get that 11.24%. Now the one thing I do like to sort of talk about is taking utilizing projection tables with a grain of a salt because we know this portfolio that you're currently in, you're taking on a bit more risk at the moment. You do wanna access super in the next sort of shorter term.\n\nSo being in this kind of growth portfolio does see a higher level of risk in the market. You have more growth investments currently, and there is obviously the risk of having a bit of a downtime there as well over the next few years, which could mean that you may not get to that balance at the very top there. So it's sort of important to make sure that, you know, you're aware that this is obviously where we're projecting things forward based on the information we have. However, projections I like to point out should be taken with a grain of salt because, you know, in one year, you could get a 10% return, another year, you get a 20% return, but then we could also see a negative, you know, one or five or 10% return in that five year rolling period as well. Does that make sense?\n\nYeah. Yeah. But all things considered, if you stay where you were made, no changes to your portfolio. That's where you could end up. What I'm recommending is on the next side.\n\nSo with the recommendations retaining Netwealth, you'll see your balance is different slightly, and that's because of the $729. Now as I kinda mentioned before, whenever we make changes to your investments, there are tax consequences for your super fund. So your super fund does pay capital gains tax whenever we're buying and selling or making alterations to your portfolio. So that $7.29 is basically the the capital gains tax that your super fund would need to pay or account for after we complete the switch to those investments. Does that make sense?\n\nYeah. Beautiful. So your balance there would be $1.44 $5.01 1. Underneath that, you have all your administration fees, investment fees, the ongoing service fee, your contribution again, and no change to your insurance premium. The difference being at the bottom there is that we are also looking to reduce your risk level, so moving you into more of a balanced portfolio.\n\nAnd this balanced portfolio has been, over the past five years, a rolling return of about 9.73%. So whilst it is a bit lower than the growth portfolio, it is it's expected that when you're reducing your risk level, that the returns are going to be affected. But you can see here with the balanced portfolio, over the next sort of two to four years, if you were able to get that 9% return every year, you can sort of see your balance grow over that $1.64 to $187,000 mark. And beyond that, it could continue to grow as well. So I am honest, and I'll let you know, obviously, reducing your risk level does reduce the returns as well, the expected returns to the portfolio.\n\nA balanced portfolio can see greater returns than what you're currently getting at the moment or what is, you know, what it is showing here at that 9.73%. But it's also about making sure that you're in a risk level that's comfortable for you. And as we as I mentioned, as we get closer to retiring, having less of those ups and downs, having more of those defensive assets can sort of protect us against some of those really big drops that we can see over the next few years as well. Does that make sense? Yeah.\n\nDid you wanna ask any additional questions here? I know this can be a little bit to go through, but did you wanna did you want me to clarify anything more for you? No. Sure. Yeah.\n\nAbsolutely. So when you are you sort of talking about the age pension at age 67? Or yeah. Yeah. No.\n\nIt's absolutely not. It's a fantastic question, actually. So, Sharon, when you are closer to age pension age, and what I wanna do with you is kinda kinda keep monitoring things and make sure that we're working as hard as we can towards your goals and boosting super where we can. But, essentially, when you're about thirteen weeks out from turning 67, you can apply for the age pension there. What they do is they have a look at all of your assets and your, so all of your assets, so any bank accounts you have, your cars, your contents, basically everything as well as your super.\n\nSo long as all of your assets and income are under certain thresholds, you can still have super and also draw some age pension. And part of what I do is look at advice on how you can structure things so you can draw some out of super but also some age pension because we know your balance is a little bit lower. You are closer to accessing super. So, you know, realistically wise, I'm not gonna expect that you're gonna have, you know, 6 to $900,000 in there. I'm I'm realistic about it.\n\nHowever, even with a balance of 2 or $300,000 in super retirement, we can t team that up with some age pension, and you can still get longevity out of your super, and that's part of the advice that I'm able to provide down the track for you. Does that answer your question? Yeah. That's okay. Yeah.\n\nWell, at the moment, depending on your assets, sir, at the moment, given the assets that I have here, I'm just double checking because with your super balance and just seeing what else I've got noted here. All in all, super's $1.45, and we've got other assets totaling about 153. Realistically, you are, at the moment, eligible to get the full age pension, and then we can also draw a little bit out of so far. But we can assess that down the track much further. But at the moment, based on the assets so that I can see your current super balance and the assets that we have noted, you'd be eligible to get the full age pension, which would give you at the moment, the single rate is about $1,200 per fortnight, and then we could draw just a small amount out of sleep with a supplement the difference to make sure you have enough in the way of living expenses.\n\nMhmm. Yep. Yeah. So when we did the annual review last year, we had other assets noted down. So we have a Toyota Corolla.\n\nAsset value then was about 13,800. You had about 40,000 in savings in the bank and then also had an investment account with another 6,500, and then you had contents estimated at about 93,000 in value. Yes. So it's not with your the insurance. And, realistically, your contents is valued on your insurance at 93,000.\n\nBut when we talk about Centrelink and Age Pension, we normally look at fire sale values. So we'd knock your contents down much lower than what it is. But even at your current with your current assets that I can see here, you're under the lower threshold. So, realistically, you should be eligible for a full age pension. I'm just double, triple checking these thresholds at the moment for you because I was looking at those earlier.\n\nNow you can I double check, Sharon, you're renting out? You you don't own a home? You're not a homeowner? No. Honestly, it's an it's an individual decision.\n\nI mean, it it does mean that you don't have to pay rent. However, there are other expenses like your home and contents insurance and, you know, your regular taxes and things like that to cover it. Right? So there are other expenses to be considered in there as well, but it's it's honestly a personal decision. At the moment, for a single person as a non homeowner to be able to access full age pension, total assets need to be less than 759,500.\n\nAbsolutely. Yes. So given your current circumstances, even with the changes and the projected outcome, it does look like you're under that threshold. So we might be able to down the track book of getting full age pension and then work out the shortfall of what you need income wise and be drawing a smaller amount out of super just to supplement that and try to make sure we get as much longevity out of your super as possible. Okay?\n\nYep. Absolutely. Yeah. Definitely. So you keep the super invested.\n\nYeah. Yep. Yes. Absolutely. Absolutely.\n\nSo one of one of the good things is we would move you fully into essentially the pension. Because at the moment, you're in the accumulation side of things. You're accumulating that wealth towards your goal of being able to start working and retire. So when you actually do retire at 65 or 67, whenever it's comfortable for you, we'll move you into pension phase. At the moment within so far, your your income and your capital gains is all taxed at 1510% of your, you know, your assets are held for over twelve months.\n\nYou get a bit of a discount on CDT. However, in pension phase, there's no income tax, and there's no CGT consequences. There's no taxation whatsoever. So any income that you're it absolutely does. Yeah.\n\nSo your fund doesn't pay income taxes. There's no CGT consequences. You'll be able to draw some income completely tax free for yourself as well. And so that pension phase is essentially a tax free sheltered area for you. We would be drawing just a small amount of money out that you need on a regular basis, maybe weekly or fortnightly, however much you need and whatever time frame you need to supplement the age pension.\n\nAnd then the money that's left in there remains invested. So you do wanna be making some income to help draw down those payments, but also having some growth in there as well to kind of help build and keep your super working as long as possible. So that's that's all what I sorta do when you get closest to that age. Yeah. It's pretty cool.\n\nYeah. Oh, it's okay. Oh, I do understand. Yeah. No.\n\nYeah. Absolutely. Yeah. Of course. Yeah.\n\nYeah. No. That's that's understandable. And, look, you've still got a bit of time on your side now, so we're doing what we can now to sort of get things working and keep you on track. You've done really well thus far, but we're just gonna keep track of you a little bit longer there and look at what else we can do.\n\nThe other thing I wanted to be talked about was looking at other strategies. Because you are over the age of 60 now, do you remember us talking about that transfer time strategy where you can sorry. Increase your contributions in the super and also take a little bit of money out? Do you remember talking to me about that last time? Yeah.\n\nSo I've also incorporated that for you. If you can go down to page 25 for me, I'll take you through how this works. That's okay. You're fine. Yeah.\n\nIt should be a blue box. It should say, Sharon, command to transition to retirement strategy. Yeah. Perfect. Now the way we're sort of looking to do this and the way this sort of strategy works is that we're able to move a certain portion of your funds into the account based pension side.\n\nIt's called a TTR pension, a transit retirement pension account. We do have to leave about 10,000 behind, and the strategy I've worked out on the second line here, it shows you that we're gonna commence that with a 134,411, and we're gonna leave that 10,050 in your current accumulation account. So you'll end up with two super accounts. One super accumulation as you have it now. The next one's gonna be like a a it says pension account, TTR pension account on there, and you'll see the funds distributed between the two accounts.\n\nWhat we're going to do, and I'll go through this a little bit easier. If you scroll down past that writing because it can be a bit confusing, if you scroll down to page the bottom of page twenty six and twenty seven there, I've actually got a table that outlines this. And when we sort of spoke last time, you sent me a copy of your two payslips. So I was able to have a look at your payslips to work out what your average earning capacity is and so we can look at how best to keep your take home pay as much the same as possible. Okay?\n\nSo what I had to look at because you are an aged care worker, you do get different penalties and do work, you know, some additional shifts here and there. So what I've done is I've taken your highest payslip, worked off your gross income, and projected that forward to make sure we're not exceeding any contributions caps at all. But, essentially, when I had a look at your pay slip and evened it out over the course of the year, it did show me that your gross income for the year is expected to be about 65,115. Can I double check? Would that have changed since would you be on anything more than that since we last caught up?\n\nWould that be Okay. Yeah. Beautiful. Excellent. So we've worked out your income here.\n\nSo what essentially happens is and you'll see the current position and proposed position. The proposed is what we're gonna do to make the changes. Essentially, having your income at that 65,115 gross, at the moment, there's no salary sacrifice contributions. So you'll see your net income, your net taxable income is about 65. So it's your gross taxable net income.\n\nGross taxable income, I'm sorry, Sharon. If I could talk this afternoon, it would be okay. I'm being tongue tied. It's $65.01 $1.05. And then the income tax on that the income tax taken out is 11,601, which essentially means that your take home pay is about 53,514 there.\n\nOkay? With the proposed column, we start again at the top with your your gross income, and then we're gonna increase your salary sacrifice contribution. So for the year, we're gonna then put 20,200 in there that you get paid on a fortnightly basis. So I'll work it out for you as a fortnight. It would be about $776.92 per fortnight.\n\nThat we increase your contributions in to supervise that amount. And then you'll see there that does decrease your take home pay. So your take home pay decreases to 44,915. It also decreases your income tax. So your income tax goes from 11,601 to 4,843.\n\nNow because we know increase in the contributions reduces your take home pay, we don't want that. So under the strategy, you'll see on the bottom there, the pension withdrawal. It's the second column from the bottom of that same table. The number 13,000 four 40 one. So on the same line, look at the second last column from the bottom there.\n\nIt says pension withdrawal, and the number is $13.04 $4.01. Yeah. Perfect. So with the recommendation, we're increasing your contributions in the sofa. It reduces your take home pay.\n\nSo then under this strategy, we're able to then withdraw that $13,000 on a yearly basis or if I work at per fortnight, $516 from your transition pension account to your bank account. The money you're taking out of super is completely tax free, and you're putting more money into super than you are taking out. But it brings your take home pay back to the same level. That's okay. That's okay.\n\nSo to run through it again for you, we're starting off with 65,115. That's your gross income for the year. We're gonna increase your contributions to super by 20,000. So $65.01 $1.05 minus that 20,200 means your taxable income is reduced to 44,915. And then the income tax is deducted to 4,843.\n\nThat comes off that $44.01 9, which means your net take home pay is 40,072. But under the current scenario, your take home pay is currently 53,514. So we wanna get that back to that 53,500 mark. So you can withdraw that 13,000 out of super, 13,000 on top of that $40.00 $7.02 brings you back to your actual take home pay. It's okay.\n\nIt is a lot. Yeah. Yeah. So what we'll essentially do is we'll give you a salary sacrifice letter, which tells you how much to put into super. Your employer will organize that along with your contributions.\n\nThey will put that money into super pretax as part of the salary sacrifice, and then we will organize that withdrawal of that 13,000, which is about $516 on a fortnightly basis. We'll organize that to come out of your pension account so it hits your bank account. So the income you get from your employer plus the amount you're gonna take out of super will replenish your income. It keeps your take home pay exactly the same. It's about a dollar difference from what I've worked out here, but it keeps your take home pay basically exactly the same for the year, and it means that you're putting a lot more money into super to provide a a greater benefit inside super.\n\nDoes that make sense? So if you decide to take on these recommendations, we will essentially settle this up straight away. What we will do first is we'll start by doing the investment switch, then we open the pension account. We move the money over, and then we give you the letter with the salary sacrifice. The way I like to work this out is that we'll let you know when the first pension payment is due so you can tell your employer when to start the salary sacrifice.\n\nI never want your salary sacrifice to start prior to your pension payment coming down because otherwise, you end up with a bit of a shortfall. So when we know when your first pension payment is due to be drawn down, which replenishes your income, then you can start your salary sacrifice. Does that make sense? That's okay. You yeah.\n\nYour employer does it. So you just tell your employer you wanna make x contributions in the super, and they organize that the same as they do with your employer contributions. It comes out pretax. In the super or is it salary packaging? Yeah.\n\nSo this is a little bit different. So you've got what's called salary sacrificing or salary packaging, which is paying you can use it for rent or use it for paying off a car or a lots of other options. This type of salary sacrifice is where money is taken out of your income pretax and put into super. Yeah. And because and at your marginal tax rate of, say, 30% or, you know, plus the Medicare levy, so 32%, inside super, that extra 20,000 is only ever they only take 15% tax.\n\nSo you're essentially putting more money into super. It's taxed at a lower rate in super, and that money stays invested for you. Does that make sense? Yeah. Yep.\n\nYeah. Yep. Correct. It's just that it comes from two two different areas. So, essentially, we're putting money into super.\n\nYou're taking some out to replenish your income, and your fortnightly yearly income will stay the same. Yeah. It's a lot. I know. It is a lot.\n\nIt is a lot, but it is a really cool strategy. It's a great way to sort of be making sure you're able to put more money into super so you have more invested providing that benefit inside super. But at the same time, by making additional contributions to super, your take home pay is affected. And living expenses are a lot at the moment. So this sort of strategy allows you to put money in the super, but also to have some taken out so that your take home pay isn't affected, but you're still able to add more money into your super.\n\nDoes that make sense? Yeah. Package. Yep. Yeah.\n\nIt is a little bit different. The salary packaging is where you're moving money pretax from your income into other areas. It could be going on to a debit card for usage elsewhere. It could be going into your rent. I'm not sure where your salary packaging to.\n\nThat is yeah. So you're just you're just doing your rent pretax to cover your rental expenses. Yeah. Yep. It's very very similar.\n\nSo the money goes out of your income pretax and into your super fund and gets invested along with your employer contributions. Mhmm. Yep. So sorry. I think I've lost you a little bit there.\n\nSo the what do you mean by the next day? Do you mean the money's in soup for the next day or the money's in your bank account the next day? I'm so sorry. Yep. Yep.\n\nYes. So the way this works is that your there's often a little bit of a discrepancy around the days. The money would be put from your from your from your income pretax into super and at certain points. So we can set up each week or each fortnight on a certain day. It can coincide with your income with your income from your employer, and we tell your super fund when to make those income payments.\n\nAnd those income payments go into your bank account, but we can make those work in line with your with your pay week. Absolutely. Yeah. Yeah. Yep.\n\nYep. Yep. Definitely. Yep. Yeah.\n\nAbsolutely. See, we're it's about just setting up because it happens in two different areas. The money comes from your income to super happens one day your employer organizes that with your payslip. The money coming out of super to replenish that is a whole different scenario. We're setting up two separate transactions.\n\nOne from your employer to your super fund, the other one from your super fund to your bank account. The one from your super fund to your bank account, we can organize to happen on a certain day that suits you. We can happen on a weekly basis. It can happen in line with your income. So if this week is your pay week, we could make that a start of the same day as your pay week.\n\nWe can have it happen the day before or the day of. That way, it's in there either the day of or the day after, whatever suits you. And it just happens every fortnight, essentially. We can even do it the opposite way to your pay week if you want. So we can set it up however is com comfortable for you.\n\nYeah. Yeah. Absolutely. What we sort of also do is we when we set this up, we always set up the pension first and find out when the first drawdown, when the first pension payment is due to you. That way, you receive the first pension payment before you start your salary sacrifice into super.\n\nWe do that because if we did it the other way, the salary sacrifice comes out, and then you find you might be left a little bit short because your income's your take home pay isn't being replenished in time. So I like to start it so we start your pension withdrawal first, and then when we know the first payment, then you can let your employer know to start that salary sacrifice payment for you. Does that make sense? Yeah. That's okay.\n\nThat's okay. Yeah. No. Definitely. We'll have a look through it.\n\nI mean, the way this works is that, you know, you don't have to pay out as much as what you put in because of the tax side of things. But when you sort of calculated the 65, sorry, minus the 20,000, it brings you back to $44.09 $1.05, and then you've got your tax there as well. Ultimately, that means that your net income is 40,072, and then replenishing it with the 13,000. I'm so sorry, Sharon. I just had a bit of a coughing fit.\n\nSorry about that. I'm so sorry about that. I just had a little bit of a coughing bit. Yeah. But, look, there's no there's no if you're not comfortable taking it on, what you don't ever have to It's about showing you ways that we can look to boost the super and also make sure to re replenish your income for you as well.\n\nOkay. Yeah. Yeah. No. Absolutely.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nAbsolutely. And we can work with you to make sure that those pension withdrawals are set up on the day, you know, that you need them to be in there, that's not a problem at all. Yep. Yep. Mhmm.\n\nYeah. Yeah. So think of it like two very separate transactions. It is a little bit different the way it works for salary packaging because when their salary packaging goes out then comes back in when salary sacrifice, your employer when they do your income or your pay, they're going to then increase the amount that they put in the super. So just like they do with your pay and your employer contributions, they'll hold a separate amount aside out of your income, which goes into your super fund up here.\n\nAnd then we because your take home pay is reduced, we then set up a separate withdrawal from your pension your super pension account, and we withdraw that down to your bank account. And that replenishes your income. Sorry. Yep. Yeah.\n\nThat's correct. Yes. That's okay. That's absolutely fine. The idea is and you'll see the difference.\n\nWe are we're putting in 20,200 over the course of the year, but we're only withdrawing out $13,004.04 1. So it works because you're putting more money into super from your income, and you're drawing a little bit out of super to keep your take home pay the same. The amount you take out of super, because you're over 60, is completely tax free. Does that make sense? Yeah.\n\nThat's okay. It's a lot to get your head around. It's absolutely fine. That's okay. That's alright.\n\nYou're welcome to ask anything more you have. I'm I'm here I've booked you in for lots of time, and and it can be a very complex strategy to do, and it does take us a bit of time to put it together. So, you know, ask any questions you have. Take some time to read it over, and do come back if you do have additional questions there. Okay?\n\nYeah. We absolutely can. Did you want one posted to you? No. Yeah.\n\nAbsolutely. Not a problem. Yeah. I would. Yeah.\n\nSo on that page with where you are at the moment, if you scroll down a little bit further for me, down to sorry. I've got a projection table here for you. Down to page number 34. Yep. Yeah.\n\nBeautiful. So this is a fee comparison table. It's another projection table there. Just looking at the recommended, you'll see your two net wealth accounts. You start with having 10,050 sitting in the super side of things, and then your TTR pension has that one thirty four four four one.\n\nYou'll have the administration fees, investment fees, the ongoing service fee for us looking after everything is distributed across. Your total contributions increased in the super, and then you'll see your pension withdrawal of the $13.04 $5.01 there. So your pension withdrawal will come out of that account. Your contributions go into the super account. And with the the investment changes lowering your risk and being in a balanced portfolio, over the next two to four years, you can see we do end up with a bit more as per the projection below there.\n\nIt's below. So below that fee table, you've got the the projection table there with two and four years. Yep. It'll go up to that $1.70. Yeah.\n\nThat's if you don't make any changes. So that's if you stay in the same super account, don't change the portfolio, don't lower the risk level, you stay in the same portfolio you're in. Obviously, being in a higher risk portfolio, not making any changes there, you can be in a better position. And the whole thing about this is you're lowering the risk level as well. So by doing a strategy, you're able to sort of close that gap a little bit.\n\nBut by reducing your risk level in the portfolio, taking less risk in your super, you'd we do expect less returns. So there is gonna be a gap between where you are currently projected to where you might be projected. Yeah. Yep. Yes.\n\nYep. Hundred and 70. Yep. Yep. Or a 197 in four years' time.\n\nIt is. Yes. Yep. Yeah. Correct.\n\nYeah. So it is closing the gap a little bit, but we're knowingly we do expect lower rates of returns. And look, the markets could perform much better. You could get a much greater return than that 9.73%. You could get a 20% return or a 15% return one year.\n\nSo you could end up with definitely more of this. And with this strategy, we refresh it every year. So we come back and review what you're earning, what your pay, what your income looks like, how your super's been working. If it doesn't work, we can close it off and roll everything back and go back to looking at other strategies, or we can always do a refresh where we roll everything back to accumulation, start again in the pension, rework your draw downs and what you can put into super, and keep kind of refreshing the strategy so it's working for you each year. Yeah.\n\nYeah. Absolutely. We'll do an interview in a few months' time to see how things are going so far. And then, yeah, absolutely. We'll, you know, touch base when you hit that twelve month mark, look at what's changed in your life and how everything's going, and then we can look to refresh the strategy for you.\n\nYeah. Yeah. Okay. Yeah. It is.\n\nI absolutely understand that it is it is a lot to take in. It is a very complex strategy to it. It is really cool because this is not open to people when they're under the age of 60. Unfortunately, you've gotta be 60 to be able to access these social strategies. But there it is a good way to be able to put more money into sofa.\n\nThat way, you're providing a greater benefit, having more money invested, but also being able to draw a little bit out of your sofa. So but as as I sort of said before, this is just the recommendations. It is up to you whether you take the recommendations. You do not have to in any way. If you decide you don't wanna take that transition strategy just yet, you wanna maybe hold off and, you know, look at something else, we can absolutely do that.\n\nYou can look at just making contributions if you want to, just doing the investment switch and seeing how things go. Essentially, the advice document is outlining the recommendations to show you where we can sort of hopefully put you in a better position down the track. But at the end of the day, it's just within your comfort level as well, and I don't ever want you to feel like you have to take on the recommendations. You're allowed to say, I'm not quite comfortable yet. Let's hold off for a few months and come back and revisit that.\n\nAnd that's absolutely fine. Yeah. Yeah. That's okay. So what we'll do, on the very last page of the document there, you'll see where it's got your site your name and a little signing box there.\n\nYou've got a little text box. In there, if there's any sort of a strategy you don't wanna take on board or you wanna hold off on, we just get you to write a little blurb. So in if they're in, say, you don't want the the TTR strategy, just say, hold off on the pension strategy or I just want the investment switch. And just a little bit of instruction as to what you want us to follow, and that's absolutely fine. We'll follow that direction for you.\n\nOkay? Yeah. Yes. Yeah. Yeah.\n\nYeah. So it's about making the changes to the investment profile. It's reducing the risk level that you're taking and also, you know, making putting you in a better performing investments and lowering the risk, trying to sort of make it so you don't feel those ups and downs as drastically and try to get long term consistent returns as well. But, yeah, the pension strategy is also about trying to increase your contributions in the super because markets will work and can only work so far. Contributions go a long way to assisting that, and this sort of allows you to make contributions without having to affect your take home pay.\n\nBut it's not something that everyone talks about, and it's something that sometimes people are a little bit hesitant about. And if you just decide to hold off on that side of things, that's okay. You can tell me to call back in a month or two or three, and we revisit that. I can do this again in a few months time for you. It's not a problem at all.\n\nOkay? Yeah. Just on the the very last page. So the page number, just so you've got it there, is page number 48, and you should see a text box there. Does it have a little text box at all?\n\nYep. Yeah. That's the one. Yeah. So you'll just write a little blurb in there just saying, you know, something that you do or don't want.\n\nYep. Yep. And if you get stuck, just give us a call. We can certainly help you along, but it's not a problem at all. Okay?\n\nAll good. As part of no. Please don't. It's absolutely fine, Sharon. As I said, this isn't stuff that everyone is aware of, and these sorts of strategies is why us as advisers come up with these sorts of things to sort of help you along because it's not something everyone's aware of.\n\nSo we like to kind of put the options out there and show you how this works. And if you're comfortable taking it, absolutely. If you're not, don't worry. Please don't ever apologize. It's absolutely fine.\n\nI can come back and do this again. I actually really enjoyed doing putting these things together for you. So I'm more than happy to go back and revisit it, look at it again. We can just, you know, make some small changes now then come back and do your review in a few months' time and then, you know, look at what changes we can make then or what you're comfortable looking at or what's changed in your life. Or if you just decide to make, you know, you wanna maybe make some additional contributions, we can do that as well.\n\nThere's lots of different ways to sort of boost your super and lots of different things that we can do there for you. Okay? Well, it is the best way to go because you're putting more money in the super, but you're also taking some out to replenish your income If you decide to not do the the pension account side of things and just make additional contributions, that's absolutely fine, but it does reduce your take home pay. So these TTR strategies are the best way to go because you are keeping your take home pay the same, reducing your income tax, and also making more the super. But it's not always something someone's comfortable doing, and that's that's okay.\n\nYeah. Yeah. It's okay. No. You're fine.\n\nYeah. Yeah. Yep. That's okay. And and as I said before, like, we will not do it.\n\nWe won't send the salary sacrifice letter until that pension account is set up, until we have your first pension payment drawn down. That way, you've got that as a backup. We know the first payment's worth. It's in your bank account, and then we can set that salary sacrifice option up and have that money moved into super for you. Yeah.\n\nYeah. Okay. No. You're absolutely fine. It's not a problem at all.\n\nI will also let you know after those recommendations. We've also made recommendations on your beneficiaries. So you wanted your adult children, but we sort of talked about the tax consequences there. So money from super and from your life insurance proceeds that are paid to nontax dependent, it does mean they have to do they do have to pay tax there. So I am making recommendation that you owe to the beneficiary to be your legal personal representative.\n\nThat essentially means that in the event of you passing, that the super annual life proceeds are paid to your estate, and then you just need to make sure you have a will drawn up so that it is directed to your kids. And that way, you can actually it does reduce the amount of tax they do pay. So it just saves them a little bit of extra tax, meaning they can get a bit more out of them out of it. And you will you have a lot more say in where that money is directed and how it's directed to them. Yep.\n\nAnd we'll alter the beneficiaries here to be put towards your will. Yep. So you wanted your life insurance proceeds and your super left to your adult children? Yep. So, essentially, what we would do is we'll update the beneficiary nomination.\n\nSo they say LPR on your super and your life insurance. And if in the event you would have passed away, you just gotta make sure you have a valid will. And as part of that will, you just need to make sure in the will and just you can speak to a solicitor. They can draw up a will. We can provide you with some details on a local solicitor, or you can get a free will kit done up.\n\nYou just go to the post office and buy a will kit. There are often a point where some of the banks and other finance institutions will let you know they're doing free will kits as well. But just having a will drawn up and in the body of the will, making sure it does stipulate that your super and life proceeds are be to be directed across and where you want those to be directed to. So, to. So, essentially, in the event you were to pass away, your super and your life insurance money is sent to your estate.\n\nAll your other assets are sold off or accumulated. Everything is pulled together, and then it's directed out to your kids as per the direction in your will. Does that make sense? Legal personal representative. It stands for it's LPR, stands for legal personal representative.\n\nIt's a funny word for your estate. Yep. Yeah. It'll all get pulled in with that and then in your will. So do you have a will at the moment?\n\nYeah. Yeah. So in the body of your will, when you speak to a solicitor, they'll talk about, you know, what happens to your life proceeds, what happens to your super, what happens to your cars or your jewelry, things like that. And that oldest gets nominated in your will, but it is really important to have done that up. And having your beneficiary structured this way, because with the way your kids are, they're adults at the moment, and they're basically, if they were to receive the proceeds direct from your super and your life insurance proceeds, they do pay tax on that.\n\nEssentially, the tax is up to 17%. So having it directed through your will just reduces the amount of tax they have to pay on those those funds, meaning they can get a bit more out of it for you. Does that make sense? Yeah. All good.\n\nOh, that's okay. That's alright. We can send out if you like, I can organize it'll probably be tomorrow if it's okay, But I can send out a I can send out an email to you, which has some information on a local solicitor that we can refer you through to, but it costing just for you to have a look at, and then feel free to have a look at some other solicitors as well. Oh, perfect. Yeah.\n\nYeah. No. Perfect. That is absolutely perfect. But, look, what I'll get you to do take some time to read through this.\n\nI'll get someone to print a copy and email it and so I post it out to you as well. You're welcome to take some time to read it over. It's got the advantages, the disadvantages, a bit more detail around how those strategies work. Have a read through them. Let me know if you do have additional questions, and we can always come back and have another conversation prior to you taking on any of the advice.\n\nOkay? Oh, good. That's okay. No worries. Oh, that's okay, Sharon.\n\nI'm here for you. It's not a problem at all. You too. Thanks, Sharon. Talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sharon.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.1821294128894806},{"text":"It's Dana from Oakey Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.23725060224533082},{"text":"How are you today?","start":4.7999997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.26923956722021103},{"text":"I'm very well.","start":8.16,"end":9.2,"sentiment":"positive","sentiment_score":0.5254113674163818},{"text":"Thank you.","start":9.2,"end":9.679999,"sentiment":"positive","sentiment_score":0.6374845504760742}],"sentiment":"positive","sentiment_score":0.3424170818179846,"num_words":16,"start":2.48,"end":9.679999},{"sentences":[{"text":"I had you booked in to go through your updated advice document.","start":9.679999,"end":12.639999,"sentiment":"neutral","sentiment_score":0.2854370065033436},{"text":"Is now still a good time there for you?","start":12.639999,"end":14.74,"sentiment":"neutral","sentiment_score":0.22187155816290113},{"text":"Fan fantastic.","start":16.565,"end":17.705,"sentiment":"positive","sentiment_score":0.6949408948421478},{"text":"How's your day been so far?","start":18.085,"end":19.865,"sentiment":"neutral","sentiment_score":0.3073052366574605},{"text":"A lot going on.","start":24.884998,"end":25.925,"sentiment":"neutral","sentiment_score":-0.07519687712192535}],"sentiment":"neutral","sentiment_score":0.2531822364438664,"num_words":33,"start":9.679999,"end":25.925},{"sentences":[{"text":"Understandable.","start":25.925,"end":26.425,"sentiment":"neutral","sentiment_score":0.02542575821280479},{"text":"Sharon, can you happen to have access to your email, sir, at the moment as well?","start":27.525,"end":31.145,"sentiment":"neutral","sentiment_score":0.00841819925699383},{"text":"No.","start":33.260002,"end":33.74,"sentiment":"neutral","sentiment_score":-0.08042965829372406},{"text":"That's okay.","start":33.74,"end":34.56,"sentiment":"neutral","sentiment_score":-0.016571199521422386},{"text":"If not, that's absolutely okay.","start":38.54,"end":40.4,"sentiment":"neutral","sentiment_score":-0.010673096776008606}],"sentiment":"neutral","sentiment_score":-0.0002728237956762314,"num_words":25,"start":25.925,"end":40.4},{"sentences":[{"text":"I can talk you through the advice document.","start":40.78,"end":42.88,"sentiment":"neutral","sentiment_score":0.06946675525978208},{"text":"If you're not sure if you remember back when we sort of spoke late last year, we did your annual review.","start":43.66,"end":48.015,"sentiment":"neutral","sentiment_score":0.029397322131054743},{"text":"We talked about looking at different super, but also reducing the risk level.","start":48.015,"end":52.835,"sentiment":"neutral","sentiment_score":0.02746090479195118},{"text":"So I've actually got a bit of a larger document to kinda go through with you.","start":53.534996,"end":57.87,"sentiment":"neutral","sentiment_score":0.06758178514428437},{"text":"I just thought, normally, it's easier if we're able to look at the documents together.","start":58.19,"end":61.55,"sentiment":"neutral","sentiment_score":0.06130880465110143}],"sentiment":"neutral","sentiment_score":0.04837000275617593,"num_words":73,"start":40.78,"end":61.55},{"sentences":[{"text":"But if you're not, I'm fine to run through things and then allow you to have a bit of a look at it later.","start":61.55,"end":66.19,"sentiment":"neutral","sentiment_score":0.0846821937399606},{"text":"It's up to you.","start":66.19,"end":67.09,"sentiment":"neutral","sentiment_score":0.07890302501618862},{"text":"That's okay.","start":69.15,"end":70.049995,"sentiment":"neutral","sentiment_score":0.01947312243282795},{"text":"I haven't.","start":73.945,"end":74.425,"sentiment":"neutral","sentiment_score":-0.055405598133802414},{"text":"I'm just about to send it now.","start":74.425,"end":75.785,"sentiment":"neutral","sentiment_score":-0.03635031836373465}],"sentiment":"neutral","sentiment_score":0.05183762999681326,"num_words":39,"start":61.55,"end":75.785},{"sentences":[{"text":"So I'll just press send on this one for you.","start":75.785,"end":78.045,"sentiment":"neutral","sentiment_score":0.004921563970856369},{"text":"Just while it is coming through, Sharon, I just need to let you know before we do go through the advice that we do record our calls for quality and training purposes.","start":80.425,"end":86.94,"sentiment":"neutral","sentiment_score":-0.010392475000116974},{"text":"Are you comfortable with me doing that proceeding with that?","start":86.94,"end":90.4,"sentiment":"neutral","sentiment_score":-0.028353607468307018},{"text":"Yep.","start":91.58,"end":91.979996,"sentiment":"neutral","sentiment_score":0.14060918986797333},{"text":"Fantastic.","start":91.979996,"end":92.479996,"sentiment":"positive","sentiment_score":0.38151875138282776}],"sentiment":"neutral","sentiment_score":-0.0008287350690268256,"num_words":54,"start":75.785,"end":92.479996},{"sentences":[{"text":"And I'll just you're right.","start":92.619995,"end":94.96,"sentiment":"neutral","sentiment_score":0.22689541578292846},{"text":"Oh, fantastic.","start":95.82,"end":96.8,"sentiment":"positive","sentiment_score":0.3742131292819977},{"text":"Excellent.","start":97.18,"end":97.68,"sentiment":"positive","sentiment_score":0.3843861222267151},{"text":"And I'll just do a quick security check there with you as well just to get you to confirm your full name, your address, and date of birth I should have.","start":98.3,"end":104.945,"sentiment":"neutral","sentiment_score":0.20780649108271446},{"text":"Yep.","start":108.205,"end":108.705,"sentiment":"neutral","sentiment_score":0.1238844096660614}],"sentiment":"neutral","sentiment_score":0.22082937732338906,"num_words":40,"start":92.619995,"end":108.705},{"sentences":[{"text":"Beautiful.","start":110.925,"end":111.425,"sentiment":"neutral","sentiment_score":0.0991833359003067},{"text":"Thank you so much for that.","start":111.485,"end":113.105,"sentiment":"positive","sentiment_score":0.8253565728664398},{"text":"Beautiful.","start":113.93,"end":114.43,"sentiment":"positive","sentiment_score":0.7120749950408936},{"text":"Okay.","start":116.490005,"end":116.990005,"sentiment":"neutral","sentiment_score":0.22781765460968015},{"text":"Now you said the email's popped through to you there.","start":117.05,"end":120.03,"sentiment":"neutral","sentiment_score":0.08484660536050796}],"sentiment":"positive","sentiment_score":0.3599832355976105,"num_words":19,"start":110.925,"end":120.03},{"sentences":[{"text":"When you open the email, I have got the document attached, but it's also attached as an attachment.","start":120.25,"end":125.05,"sentiment":"neutral","sentiment_score":0.04720485396683216},{"text":"So you can open either one.","start":125.05,"end":126.33,"sentiment":"neutral","sentiment_score":0.056730568408966064},{"text":"It's completely up to you, whatever is easier To view the document that is in the the actual email itself, you should just be able to click on the button that says sign, and it should just take you through so you can move up and down through that document.","start":126.33,"end":139.895,"sentiment":"neutral","sentiment_score":0.06137916058301926},{"text":"But let me know if you have trouble doing so.","start":139.895,"end":142.155,"sentiment":"neutral","sentiment_score":-0.042557491548359395},{"text":"That's working okay?","start":151.22,"end":152.43999,"sentiment":"neutral","sentiment_score":0.30109090606371564}],"sentiment":"neutral","sentiment_score":0.05444513349098035,"num_words":87,"start":120.25,"end":152.43999},{"sentences":[{"text":"Oh, fantastic.","start":154.915,"end":155.81499,"sentiment":"positive","sentiment_score":0.6055558919906616},{"text":"Fantastic.","start":156.11499,"end":156.61499,"sentiment":"positive","sentiment_score":0.5564966201782227},{"text":"So on the front page there, you'll see a statement of advice has been prepared for yourself.","start":156.75499,"end":160.45499,"sentiment":"neutral","sentiment_score":0.16917563448933995},{"text":"As of the 05/18/2026, sir, has been prepared by myself and my lovely team here at Oakview Financial.","start":160.75499,"end":167.33499,"sentiment":"neutral","sentiment_score":0.20312920129961437},{"text":"What I'll do is I'll just hit the points and go through the pages that we need to sort of go through, and then I'll let you go back and have a bit of a read through the document.","start":168.31999,"end":175.14,"sentiment":"neutral","sentiment_score":0.12899068934031022}],"sentiment":"neutral","sentiment_score":0.17312411296290237,"num_words":77,"start":154.915,"end":175.14},{"sentences":[{"text":"There is quite a bit there.","start":175.59999,"end":176.72,"sentiment":"neutral","sentiment_score":0.10300486783186595},{"text":"It does outline all the recommendations, the advantages, disadvantages, the risks involved, and any alternatives that we've considered.","start":176.72,"end":183.625,"sentiment":"neutral","sentiment_score":0.11254802863630983},{"text":"And then before taking on the advice, you're welcome to come back and let me know if you do happen to have any questions at all.","start":184.165,"end":189.28499,"sentiment":"neutral","sentiment_score":0.1408406590613035},{"text":"Okay?","start":189.28499,"end":189.78499,"sentiment":"neutral","sentiment_score":0.07843640446662903},{"text":"Fantastic.","start":191.44499,"end":191.94499,"sentiment":"positive","sentiment_score":0.41088417172431946}],"sentiment":"neutral","sentiment_score":0.13067445065826178,"num_words":52,"start":175.59999,"end":191.94499},{"sentences":[{"text":"Now the areas that this advice document has been limited to are areas of superannuation and estate planning to making sure that your beneficiaries are set up in line with what you're comfortable with.","start":192.72499,"end":202.75,"sentiment":"neutral","sentiment_score":0.15820354793001623},{"text":"You have mentioned that you wanted your adult children nominated to the super fund and your life insurances, but you wanted us to look at doing that in the most tax effective way for you.","start":202.75,"end":211.96501,"sentiment":"neutral","sentiment_score":0.16164091335875647},{"text":"Okay?","start":212.02501,"end":212.52501,"sentiment":"neutral","sentiment_score":0.05055095627903938},{"text":"And then we've also looked at superannuation.","start":214.10501,"end":216.04501,"sentiment":"neutral","sentiment_score":0.04884327415909086},{"text":"So you're hoping to be out of access super at around the age 67, hoping to draw income of about $1,100 per week.","start":216.345,"end":223.47,"sentiment":"neutral","sentiment_score":0.07087936300946318}],"sentiment":"neutral","sentiment_score":0.13059031821787356,"num_words":100,"start":192.72499,"end":223.47},{"sentences":[{"text":"So we're looking at other strategies there now that you're over the age of 60, looking at other strategies that can provide a boost to your sofa.","start":223.63,"end":230.13,"sentiment":"neutral","sentiment_score":0.21432254159892047},{"text":"But with the volatility that we are seeing and because you are closer to accessing sofa, also looking at making sure the portfolio is in line with a lower risk profile as well.","start":230.51,"end":240.445,"sentiment":"neutral","sentiment_score":0.13422060057972418},{"text":"Okay?","start":240.445,"end":240.945,"sentiment":"neutral","sentiment_score":0.08402752876281738},{"text":"Excellent.","start":242.845,"end":243.345,"sentiment":"positive","sentiment_score":0.5670019388198853},{"text":"Areas that we've scoped out, this is a bit further down in the document there on page number five.","start":244.365,"end":249.085,"sentiment":"neutral","sentiment_score":0.08481807771481965}],"sentiment":"neutral","sentiment_score":0.1540563134131608,"num_words":81,"start":223.63,"end":249.085},{"sentences":[{"text":"So we've scoped in limited just to a limited extent the areas around the retirement income needs.","start":249.085,"end":255.91,"sentiment":"neutral","sentiment_score":0.05768210462787572},{"text":"So what I've done is, as per the advice, gone back and done some research there for you, looked at ways and different strategies that we can put in place, but then looked at how the long term effects look like given these strategy that strategy that we wanna implement and how that might look for you when we project forward over your income side of things.","start":255.91,"end":273.645,"sentiment":"neutral","sentiment_score":0.16341292958206205},{"text":"So it's giving you a bit of an idea of where we're tracking for and what that looks like, and then we'll just keep updating the advice and making changes as we need to as we track towards those goals.","start":273.645,"end":283.56,"sentiment":"neutral","sentiment_score":0.22586110346019267},{"text":"Okay?","start":283.56,"end":284.06,"sentiment":"neutral","sentiment_score":0.05223795026540756},{"text":"That was on page number five and six.","start":287.96002,"end":290.38,"sentiment":"neutral","sentiment_score":0.009258412523195148}],"sentiment":"neutral","sentiment_score":0.15857151465812572,"num_words":133,"start":249.085,"end":290.38},{"sentences":[{"text":"Yeah.","start":290.6,"end":291.1,"sentiment":"neutral","sentiment_score":0.015884507447481155},{"text":"Yeah.","start":295.20502,"end":295.70502,"sentiment":"neutral","sentiment_score":0.027146779000759125},{"text":"So it should have the heading scope of advice, limited scope.","start":300.64502,"end":304.085,"sentiment":"neutral","sentiment_score":0.030478626997633415},{"text":"Yep.","start":304.085,"end":304.47,"sentiment":"neutral","sentiment_score":0.03656895086169243},{"text":"And then down on page number six, I've just noted there that we're not making any changes to your life insurance.","start":304.71,"end":310.15,"sentiment":"neutral","sentiment_score":-0.05451188901705401}],"sentiment":"neutral","sentiment_score":-0.020853843859263827,"num_words":35,"start":290.6,"end":310.15},{"sentences":[{"text":"You were happy with the life insurance you had.","start":310.15,"end":312.49,"sentiment":"neutral","sentiment_score":0.07421246998839909},{"text":"It was more just about retaining that for the time being until you don't wish to keep it anymore.","start":312.71,"end":317.37,"sentiment":"neutral","sentiment_score":0.012563667897331087},{"text":"It's scoped into a limited extent just because it is paid out of your super.","start":317.805,"end":321.965,"sentiment":"neutral","sentiment_score":0.06116304025053978},{"text":"So it's just about making sure that we have taken the premiums into account as we're making recommendations around your super and income needs.","start":321.965,"end":332.20502,"sentiment":"neutral","sentiment_score":0.11776335071772337},{"text":"Okay?","start":332.20502,"end":332.70502,"sentiment":"neutral","sentiment_score":0.058745089918375015}],"sentiment":"neutral","sentiment_score":0.06925195633598111,"num_words":68,"start":310.15,"end":332.70502},{"sentences":[{"text":"All good.","start":335.16,"end":335.9,"sentiment":"neutral","sentiment_score":0.3308084309101105},{"text":"Now what I'll do is I'll take you through a lot of the advice document.","start":336.28,"end":339.66,"sentiment":"neutral","sentiment_score":0.10425212035576502},{"text":"If I can get you to scroll down for me, just the page number so sorry.","start":339.72,"end":345.41998,"sentiment":"neutral","sentiment_score":0.031202954822219908},{"text":"Page number eighteen and nineteen, I'll take you through the initial recommendations with so far.","start":345.47998,"end":351.165,"sentiment":"neutral","sentiment_score":0.08150810847679774},{"text":"That's okay.","start":353.705,"end":354.525,"sentiment":"neutral","sentiment_score":0.018215658608824015}],"sentiment":"neutral","sentiment_score":0.07967397777363658,"num_words":50,"start":335.16,"end":354.525},{"sentences":[{"text":"Yeah.","start":355.785,"end":356.285,"sentiment":"neutral","sentiment_score":0.03802846744656563},{"text":"The heading there should say recommended investments.","start":356.985,"end":359.405,"sentiment":"neutral","sentiment_score":0.04863492346235684},{"text":"Yeah.","start":359.785,"end":360.285,"sentiment":"neutral","sentiment_score":0.03935743123292923},{"text":"You're alright.","start":366.44,"end":367.18,"sentiment":"neutral","sentiment_score":0.12504491209983826},{"text":"That's okay.","start":369.32,"end":370.13998,"sentiment":"neutral","sentiment_score":0.252274751663208}],"sentiment":"neutral","sentiment_score":0.09018997618785271,"num_words":13,"start":355.785,"end":370.13998},{"sentences":[{"text":"You're absolutely fine.","start":370.19998,"end":371.47998,"sentiment":"neutral","sentiment_score":0.3183814237515132},{"text":"I'll go as slow as you need.","start":371.47998,"end":373.18,"sentiment":"neutral","sentiment_score":-0.09535298815795354},{"text":"Yes.","start":384.61502,"end":385.11502,"sentiment":"positive","sentiment_score":0.3942835330963135},{"text":"Excellent.","start":385.49503,"end":385.99503,"sentiment":"positive","sentiment_score":0.7030913829803467},{"text":"So this is essentially showing you the the first changes that we do wanna make to the portfolio.","start":386.81998,"end":391.31998,"sentiment":"positive","sentiment_score":0.44113824268182117}],"sentiment":"neutral","sentiment_score":0.31085122128327686,"num_words":30,"start":370.19998,"end":391.31998},{"sentences":[{"text":"So as per the research, I went back and I had a look at all the super funds out there, including where Netwealth, where you are at the moment, as well as any other super funds that might be applicable or cheaper for you.","start":391.46,"end":402.135,"sentiment":"neutral","sentiment_score":0.1971937104720961},{"text":"I did look at the cost that they might be, but also looked at the tax consequences for making any changes to your super.","start":402.61502,"end":409.17502,"sentiment":"neutral","sentiment_score":0.049142423861970506},{"text":"So I have made a recommendation that we retain your Netwealth super account for the time being.","start":409.17502,"end":414.295,"sentiment":"neutral","sentiment_score":0.24090418570181904},{"text":"There's no need to make any changes to it at the moment.","start":414.295,"end":416.83002,"sentiment":"neutral","sentiment_score":0.08883310854434967},{"text":"It is a great super fund, but it's also about making yeah.","start":416.83002,"end":421.49002,"sentiment":"positive","sentiment_score":0.37289567415912944}],"sentiment":"neutral","sentiment_score":0.17882622002598342,"num_words":109,"start":391.46,"end":421.49002},{"sentences":[{"text":"Yeah.","start":424.35,"end":424.75,"sentiment":"neutral","sentiment_score":0.17268681526184082},{"text":"The super fund itself isn't bad at all.","start":424.75,"end":427.17,"sentiment":"neutral","sentiment_score":0.18849175982177258},{"text":"Essentially, the super fund, just think of it like a vehicle.","start":427.23,"end":429.97,"sentiment":"neutral","sentiment_score":0.168737760998986},{"text":"You'll you you put your money into the super fund and into the cash account, but what really gets you the returns is the underlying investments is where your money's invested.","start":430.415,"end":439.155,"sentiment":"neutral","sentiment_score":0.20016628191355737},{"text":"And the super fund itself is just an investment vehicle to hold those the funds and to have them invested.","start":439.615,"end":445.81,"sentiment":"neutral","sentiment_score":0.1855387594550848}],"sentiment":"neutral","sentiment_score":0.189474171735871,"num_words":71,"start":424.35,"end":445.81},{"sentences":[{"text":"So Netwealth is not a bad fund in any way, shape, or form.","start":445.87,"end":449.23,"sentiment":"neutral","sentiment_score":0.17722378212672013},{"text":"The admin fees can be a bit higher than other funds out there.","start":449.23,"end":452.37,"sentiment":"neutral","sentiment_score":-0.17609643706908593},{"text":"However, one of the things I did look at was if we move you to another fund, we have to sell down all of your investments, and your super fund, just like you, does a tax return every year.","start":452.51,"end":462.875,"sentiment":"neutral","sentiment_score":-0.09092203747385587},{"text":"So we need to consider when we are selling and moving to different super funds what the tax consequences might look like for that.","start":462.935,"end":469.38,"sentiment":"neutral","sentiment_score":-0.08321534904340903},{"text":"I did sorta have a look around, and the tax consequences to selling down all your investments, it wasn't worthwhile moving.","start":470.26,"end":476.26,"sentiment":"negative","sentiment_score":-0.3957665576821282}],"sentiment":"neutral","sentiment_score":-0.12581427330997857,"num_words":110,"start":445.87,"end":476.26},{"sentences":[{"text":"You weren't gonna make that money back quick enough.","start":476.26,"end":478.5,"sentiment":"negative","sentiment_score":-0.5235937833786011},{"text":"So I have made the recommendation to retain the super fund you're in, but just to make some changes to your underlying investments there.","start":478.5,"end":486.235,"sentiment":"neutral","sentiment_score":0.04449098572755853},{"text":"So on this page here, you'll see in page number 18, you've got a couple of on the buy, sell line, the red and the green for the area there.","start":486.535,"end":495.595,"sentiment":"neutral","sentiment_score":0.07949510589241982},{"text":"It's basically showing you what we're gonna be buying and selling.","start":496.2,"end":499.34,"sentiment":"neutral","sentiment_score":0.09217433089559729},{"text":"So inside your super fund at the moment, you do have some physical gold, which is the top one there.","start":499.72,"end":505.9,"sentiment":"neutral","sentiment_score":0.06244086492806673}],"sentiment":"neutral","sentiment_score":0.010670507683398877,"num_words":94,"start":476.26,"end":505.9},{"sentences":[{"text":"You're about 9.21%.","start":506.36,"end":508.6,"sentiment":"neutral","sentiment_score":0.04918015251557032},{"text":"So at the moment, we wanna have about 10% in there.","start":508.6,"end":511.275,"sentiment":"neutral","sentiment_score":0.04048201340166005},{"text":"So we're gonna buy a bit more physical gold for you.","start":511.275,"end":514.015,"sentiment":"neutral","sentiment_score":0.07139865376732567},{"text":"You've at the moment sorry.","start":514.635,"end":517.435,"sentiment":"neutral","sentiment_score":0.00147782564163208},{"text":"At the moment, also got the beta shares a 200.","start":517.435,"end":520.075,"sentiment":"neutral","sentiment_score":0.028621738590300084}],"sentiment":"neutral","sentiment_score":0.04179585776291787,"num_words":40,"start":506.36,"end":520.075},{"sentences":[{"text":"So this is giving you exposure to the top 200 companies on the ASX there.","start":520.075,"end":524.975,"sentiment":"neutral","sentiment_score":0.07007091368238132},{"text":"At the moment, you have about 35.46%.","start":525.27,"end":528.65,"sentiment":"neutral","sentiment_score":0.09436547436884471},{"text":"It's a great investment for diversification, low cost.","start":528.79004,"end":531.83,"sentiment":"positive","sentiment_score":0.507001057267189},{"text":"However, we only wanna hold about 10%.","start":531.83,"end":533.99005,"sentiment":"neutral","sentiment_score":0.02206959788288389},{"text":"So you're a bit overexposed there at the moment, so we are gonna reduce that exposure down to 10%.","start":533.99005,"end":539.61005,"sentiment":"neutral","sentiment_score":-0.04311647128901983}],"sentiment":"neutral","sentiment_score":0.09112329847578492,"num_words":56,"start":520.075,"end":539.61005},{"sentences":[{"text":"And that means we'd be selling about 35,000 of that investment there.","start":539.85504,"end":543.875,"sentiment":"neutral","sentiment_score":0.04975004494190216},{"text":"Okay?","start":543.935,"end":544.435,"sentiment":"neutral","sentiment_score":0.05644732713699341},{"text":"You've also got some Vanguard fixed interest.","start":545.53503,"end":548.03503,"sentiment":"neutral","sentiment_score":-0.001405324786901474},{"text":"Again, you've got a lot there.","start":548.575,"end":550.09503,"sentiment":"neutral","sentiment_score":-0.03384418381998936},{"text":"We're gonna sell that completely down and put the funds into something else, so that's why that one is completely red.","start":550.09503,"end":556.29004,"sentiment":"neutral","sentiment_score":-0.11605088554677509}],"sentiment":"neutral","sentiment_score":-0.042479215031291574,"num_words":47,"start":539.85504,"end":556.29004},{"sentences":[{"text":"Okay.","start":556.99,"end":557.49,"sentiment":"neutral","sentiment_score":-0.033846840262413025},{"text":"That's the third investment down.","start":558.59,"end":560.35004,"sentiment":"neutral","sentiment_score":-0.035608134791255},{"text":"Just going down that line there.","start":560.35004,"end":562.13,"sentiment":"neutral","sentiment_score":-0.00047099078074097633},{"text":"The Vanguard fixed interest.","start":565.79004,"end":567.41003,"sentiment":"neutral","sentiment_score":0.00873959856107831},{"text":"Yeah.","start":567.71,"end":568.21,"sentiment":"neutral","sentiment_score":0.023012666031718258}],"sentiment":"neutral","sentiment_score":-0.009220141095711905,"num_words":17,"start":556.99,"end":568.21},{"sentences":[{"text":"That's okay.","start":570.105,"end":570.925,"sentiment":"neutral","sentiment_score":0.27696068584918976},{"text":"That so, look, it's not a bad investment.","start":571.305,"end":572.905,"sentiment":"neutral","sentiment_score":0.31013278290629387},{"text":"There's nothing wrong with it.","start":572.905,"end":574.105,"sentiment":"positive","sentiment_score":0.37664164900779723},{"text":"However, we have found other areas that might perform a bit better or have performed better in the past.","start":574.105,"end":578.985,"sentiment":"neutral","sentiment_score":0.20647400735240234},{"text":"So selling that one down and redistributing the funds elsewhere.","start":578.985,"end":582.285,"sentiment":"neutral","sentiment_score":0.15962432473897933}],"sentiment":"neutral","sentiment_score":0.2372145742516626,"num_words":44,"start":570.105,"end":582.285},{"sentences":[{"text":"We've also got some beta shares cybersecurity.","start":583.76,"end":585.77997,"sentiment":"neutral","sentiment_score":0.13551113222326552},{"text":"You'll see that one there is just being purchased a bit more.","start":586.08,"end":588.72,"sentiment":"neutral","sentiment_score":0.06891695906718572},{"text":"You have about 55.02% waiting at the moment, but when we kinda reweight the portfolio, we do need to just buy a little bit more of that to make sure you're weighted correctly.","start":588.72,"end":598.66,"sentiment":"neutral","sentiment_score":0.053582197055220604},{"text":"So for that $75 being purchased into that investment there.","start":599.135,"end":602.755,"sentiment":"neutral","sentiment_score":0.07707994468510151},{"text":"And then the iShares Europe.","start":602.975,"end":605.055,"sentiment":"neutral","sentiment_score":0.11187620162963867}],"sentiment":"neutral","sentiment_score":0.0727458864506056,"num_words":67,"start":583.76,"end":605.055},{"sentences":[{"text":"So this is giving you exposure to all the European companies, and it's quite important to have diversification, not just in different asset classes like gold and fixed interest and cybersecurity in The US and Australia, but also looking globally, so all over the world for investment opportunities as well.","start":605.055,"end":622.17,"sentiment":"neutral","sentiment_score":0.2299715031683445},{"text":"And this investment gives you exposure into all of the European companies, into the already established companies, but also areas where there is additional growth there.","start":622.55,"end":632.09503,"sentiment":"neutral","sentiment_score":0.28807334487254804},{"text":"So it does help in reducing your risk level by diversifying.","start":632.09503,"end":636.43506,"sentiment":"neutral","sentiment_score":0.3257041289047761},{"text":"Does that make sense?","start":636.815,"end":637.875,"sentiment":"neutral","sentiment_score":0.22064903378486633},{"text":"Yeah.","start":640.58997,"end":640.99,"sentiment":"neutral","sentiment_score":0.2549215853214264}],"sentiment":"neutral","sentiment_score":0.2577037528643142,"num_words":92,"start":605.055,"end":640.99},{"sentences":[{"text":"That's okay.","start":640.99,"end":641.63,"sentiment":"neutral","sentiment_score":0.3320194482803345},{"text":"If it doesn't, please tell me.","start":641.63,"end":643.14996,"sentiment":"neutral","sentiment_score":0.12112669895092647},{"text":"I'm happy to break it down more for you.","start":643.14996,"end":644.99,"sentiment":"positive","sentiment_score":0.5832209255960252},{"text":"I know this can be a lot to go through.","start":644.99,"end":647.08997,"sentiment":"neutral","sentiment_score":0.1967447355389595},{"text":"You're doing really well.","start":651.07,"end":652.69,"sentiment":"positive","sentiment_score":0.5454138964414597}],"sentiment":"positive","sentiment_score":0.3480287213479319,"num_words":31,"start":640.99,"end":652.69},{"sentences":[{"text":"So look.","start":653.535,"end":654.015,"sentiment":"neutral","sentiment_score":0.22264041751623154},{"text":"It does say you we are gonna buy a little bit more into the Europe investment there.","start":654.015,"end":658.355,"sentiment":"neutral","sentiment_score":0.17382743647869894},{"text":"We are gonna sell off the old European and old Japanese investment.","start":658.655,"end":662.335,"sentiment":"neutral","sentiment_score":-0.005581059182683628},{"text":"They haven't been performing as well.","start":662.335,"end":664.355,"sentiment":"neutral","sentiment_score":-0.020244117826223373},{"text":"And then we're keeping your exposure into the S and P 500 there, and we're just gonna bring that down from 26% to 20%.","start":664.815,"end":672.86,"sentiment":"neutral","sentiment_score":0.1498584762836496}],"sentiment":"neutral","sentiment_score":0.11161497162013757,"num_words":61,"start":653.535,"end":672.86},{"sentences":[{"text":"Underneath that, you'll see the last couple of all green, so buying a bit so buying a bit more into the beta shares Raffi 200 again.","start":673.56,"end":681.39996,"sentiment":"neutral","sentiment_score":0.17333103257876176},{"text":"This is giving you some more exposure to the Australian share market there.","start":681.39996,"end":685.925,"sentiment":"neutral","sentiment_score":0.2814366943561114},{"text":"We've also got some global infrastructure.","start":685.925,"end":688.185,"sentiment":"neutral","sentiment_score":0.26247072219848633},{"text":"Just looking at other ways to diversify and have infrastructure in your portfolio.","start":688.485,"end":692.90497,"sentiment":"neutral","sentiment_score":0.29127663603195775},{"text":"Core composite bonds.","start":694.005,"end":695.465,"sentiment":"neutral","sentiment_score":0.20627757906913757}],"sentiment":"neutral","sentiment_score":0.23189405266378746,"num_words":61,"start":673.56,"end":695.465},{"sentences":[{"text":"So bonds are sort of thinking about, like, term deposits where you put your money into a bond, and you do get income and coupon payments paid back.","start":695.605,"end":703.84,"sentiment":"neutral","sentiment_score":0.3245399972157819},{"text":"So it is really good for defensive or low risk investments.","start":703.84,"end":706.9,"sentiment":"positive","sentiment_score":0.5065050504424355},{"text":"And then we've also got the last two there, which we're buying as well, and that's essentially looking at high interest cash accounts, and the yield plus, again, is just looking at high income earning defensive low risk investments for you.","start":707.68,"end":722.175,"sentiment":"neutral","sentiment_score":0.21645082569703822},{"text":"So this is just essentially the changes that we're gonna make to the portfolio, buying and selling different investments that may have underperformed or may not be good to have in the portfolio moving forward, but also reducing your risk level.","start":722.175,"end":735.71,"sentiment":"neutral","sentiment_score":0.16387157560121723},{"text":"Okay?","start":735.93,"end":736.43,"sentiment":"neutral","sentiment_score":0.08218921720981598}],"sentiment":"neutral","sentiment_score":0.24864002579792602,"num_words":122,"start":695.605,"end":736.43},{"sentences":[{"text":"To make it a little bit ease yeah.","start":738.73004,"end":743.27496,"sentiment":"neutral","sentiment_score":0.08191214082762599},{"text":"Yeah.","start":744.65497,"end":744.975,"sentiment":"neutral","sentiment_score":0.1288285851478577},{"text":"So, essentially, with your portfolio at the moment, you're in that growth portfolio.","start":744.975,"end":749.07495,"sentiment":"neutral","sentiment_score":0.13748351713785759},{"text":"If you can move down the page for me to page number 20, I can explain that a little more detail so you can see it as well.","start":749.295,"end":755.71497,"sentiment":"neutral","sentiment_score":0.10634661146572658},{"text":"But at the moment, you're in a growth portfolio.","start":757.08,"end":759.42,"sentiment":"neutral","sentiment_score":0.12380494177341461}],"sentiment":"neutral","sentiment_score":0.11293832256884898,"num_words":59,"start":738.73004,"end":759.42},{"sentences":[{"text":"So it essentially sees about 80% of your super in growth assets.","start":759.72003,"end":764.6,"sentiment":"neutral","sentiment_score":0.24092041701078415},{"text":"So you think about things like Australian equities, international equities, the shares, our property, and then also commodities like gold and silver.","start":764.6,"end":772.555,"sentiment":"neutral","sentiment_score":0.1973452540961179},{"text":"And those investments are where you're taking on a bit more risk in the market.","start":772.77496,"end":776.635,"sentiment":"neutral","sentiment_score":0.13382952014605204},{"text":"So by taking on more risk in the market and having more of those investments, you can see good up turns or great performance when the market's performing really well.","start":776.77496,"end":786.57,"sentiment":"positive","sentiment_score":0.41473324646552406},{"text":"However, because you are taking more risk, when the market takes a bit of a dip, you can see that downside magnified as well.","start":786.95,"end":793.83,"sentiment":"neutral","sentiment_score":-0.25754008752604324}],"sentiment":"neutral","sentiment_score":0.15049629795898511,"num_words":103,"start":759.72003,"end":793.83},{"sentences":[{"text":"So you the downside often feels a lot heavier to you.","start":793.83,"end":797.29004,"sentiment":"negative","sentiment_score":-0.38309693878347223},{"text":"Realistically, when we're younger, when we have, you know, twenty or thirty or forty years before accessing super, we're comfortable to take on a lot more risk in the market.","start":797.695,"end":806.415,"sentiment":"neutral","sentiment_score":0.24443472201625507},{"text":"We want those good returns, but we also know we can.","start":806.415,"end":810.42,"sentiment":"positive","sentiment_score":0.48127082803032617},{"text":"We're not gonna access super or take money out when there is a downtime.","start":810.57996,"end":814.2,"sentiment":"neutral","sentiment_score":-0.20014638453722},{"text":"So if you think back to COVID, the GSC, and the markets took a really big dip in those times, and it's fine to take on more risk so long as you're not you there's no no chance that you're gonna wanna take money out or retire when we see those down times there.","start":814.26,"end":829.28503,"sentiment":"neutral","sentiment_score":-0.054973788973357945}],"sentiment":"neutral","sentiment_score":0.022019337117671966,"num_words":120,"start":793.83,"end":829.28503},{"sentences":[{"text":"So that's the sort of portfolio that you're in at the moment.","start":829.34503,"end":832.145,"sentiment":"neutral","sentiment_score":0.1547193272660176},{"text":"When we did your risk profile in your annual review, your score is more of a balanced investor.","start":832.145,"end":837.04504,"sentiment":"neutral","sentiment_score":0.09573587402701378},{"text":"And, realistically, you were wanting to access super at either 65 or 67, so you are a lot closer to accessing super.","start":837.38,"end":844.76,"sentiment":"neutral","sentiment_score":0.13175954195586118},{"text":"So we're wanting to look at reducing that risk level for you, and, essentially, the risk profile that you scored in that balance profile normally only sees about 60% in those growth high risk investments and then sees about 40% in those defensive lower risk investments.","start":845.38,"end":862.585,"sentiment":"neutral","sentiment_score":0.1707591343185176},{"text":"So it's kind of evening things out a little bit.","start":862.645,"end":865.625,"sentiment":"neutral","sentiment_score":0.31023382395505905}],"sentiment":"neutral","sentiment_score":0.16144301852694265,"num_words":108,"start":829.34503,"end":865.625},{"sentences":[{"text":"You still want some of those growth assets like shares and property, and gold and silver because you still wanna get some returns, but you don't wanna take on a huge amount of risk.","start":866.04,"end":875.64,"sentiment":"neutral","sentiment_score":0.15206817888161717},{"text":"You don't wanna be seeing a really big downside when the market is down because of what could be happening overseas with another war or, you know, COVID or what happened in the DFC.","start":875.64,"end":885.89496,"sentiment":"neutral","sentiment_score":-0.25756189544849534},{"text":"So it's about sort of looking at what you're comfortable with and making sure that you're invested in the correct risk profile.","start":886.115,"end":894.66003,"sentiment":"neutral","sentiment_score":0.2160224670713598},{"text":"One of the good things we look at or one of the one of the ways we think about this is looking at time horizon, and that's why we ask a lot about when you're wanting to access super or when you're wanting to retire.","start":895.04004,"end":906.42004,"sentiment":"neutral","sentiment_score":0.2746811459461848},{"text":"Because as I said before, if you have got, you know, twenty or thirty or forty years before you're accessing super, you can take more risk.","start":906.48004,"end":912.945,"sentiment":"neutral","sentiment_score":-0.08168556326283859}],"sentiment":"neutral","sentiment_score":0.07082319773317124,"num_words":161,"start":866.04,"end":912.945},{"sentences":[{"text":"You're not gonna access the super in the short term when there is that downside occurring.","start":912.945,"end":917.045,"sentiment":"neutral","sentiment_score":-0.169826002093032},{"text":"However, when you are only about, you know, four to five or even six years out, you are getting closer to accessing super.","start":917.425,"end":924.22,"sentiment":"neutral","sentiment_score":0.039826232777989426},{"text":"So you kind of don't wanna see really big down times and see really large dips in your portfolio just when you're wanting to take money up because it means you have to sort of you have to, you know, cement those losses and take money you may have to take money out in the downtime.","start":924.22,"end":939.035,"sentiment":"neutral","sentiment_score":-0.2558867876817073},{"text":"Does that make sense?","start":939.035,"end":940.175,"sentiment":"neutral","sentiment_score":-0.05187635216861963},{"text":"Yeah.","start":941.755,"end":942.255,"sentiment":"neutral","sentiment_score":0.17648003995418549}],"sentiment":"neutral","sentiment_score":-0.1616189815849066,"num_words":100,"start":912.945,"end":942.255},{"sentences":[{"text":"So this is also about reducing your risk level, and that's why we're making the changes that we've got above there.","start":942.795,"end":948.02997,"sentiment":"neutral","sentiment_score":0.24081182976563772},{"text":"So it's about making sure that we're reducing some of those growth assets, making sure you've got more of these defensive assets, things like cash, fixed interest, or defensive, you know, alternatives out there.","start":948.02997,"end":959.97,"sentiment":"neutral","sentiment_score":0.200155519606436},{"text":"Mostly, it's sort of looking at cash and fixed interest investments because they are seeing as better they do, tend to get a good rate of return, and it's about making sure that you're also getting income.","start":960.14496,"end":971.185,"sentiment":"neutral","sentiment_score":0.32989132645967845},{"text":"So we wanna make sure your portfolio generates income.","start":971.185,"end":974.165,"sentiment":"neutral","sentiment_score":0.28326135211520725},{"text":"Those dividend payments and income are paid into your cash account, and we can reinvest that into your portfolio for you as well for compounding.","start":974.88,"end":982.02,"sentiment":"neutral","sentiment_score":0.22378353178501129}],"sentiment":"neutral","sentiment_score":0.2556528224949799,"num_words":126,"start":942.795,"end":982.02},{"sentences":[{"text":"Does that make sense?","start":982.16003,"end":983.30005,"sentiment":"neutral","sentiment_score":0.09738549031317234},{"text":"Yeah.","start":984.24005,"end":984.74005,"sentiment":"neutral","sentiment_score":0.0950869619846344},{"text":"So at the moment, if you look at that table, the risk profile that you scored in with that balanced area, you would normally see about 60% growth investments and 40% defensive.","start":985.28,"end":996.005,"sentiment":"neutral","sentiment_score":0.05755217489786446},{"text":"With the way you are at the moment in that growth portfolio, you've got 87.99% in growth investment.","start":996.70496,"end":1003.445,"sentiment":"neutral","sentiment_score":0.09071463781098525},{"text":"So you've got quite a lot more invested than where you would be normally be comfortable, and then only 12.01% in those investments defensive investments at the bottom there.","start":1003.59,"end":1014.07,"sentiment":"neutral","sentiment_score":0.009113983090581566}],"sentiment":"neutral","sentiment_score":0.05027937512135222,"num_words":84,"start":982.16003,"end":1014.07},{"sentences":[{"text":"So you can see there's quite a big discrepancy between where your risk profile fits and where you're currently invested in your super.","start":1014.07,"end":1021.585,"sentiment":"neutral","sentiment_score":-0.24739635946310085},{"text":"Okay?","start":1021.965,"end":1022.465,"sentiment":"neutral","sentiment_score":-0.1429789662361145},{"text":"Yeah.","start":1023.565,"end":1024.065,"sentiment":"neutral","sentiment_score":0.053221382200717926},{"text":"So what we'd be looking to do is make those changes that you see above, which brings your growth investments down to about 65%, and then we increase those defensive investments to 35.","start":1024.605,"end":1036.5599,"sentiment":"neutral","sentiment_score":0.22983961574959033},{"text":"So closing that gap a little bit.","start":1036.5599,"end":1038.24,"sentiment":"neutral","sentiment_score":0.046988162611212046}],"sentiment":"neutral","sentiment_score":0.03282693240504998,"num_words":65,"start":1014.07,"end":1038.24},{"sentences":[{"text":"Does that make sense?","start":1038.24,"end":1039.2999,"sentiment":"neutral","sentiment_score":0.12060603871941566},{"text":"Yeah.","start":1040.88,"end":1041.38,"sentiment":"neutral","sentiment_score":0.17669647932052612},{"text":"Yeah.","start":1041.6799,"end":1042.1799,"sentiment":"neutral","sentiment_score":0.2801843285560608},{"text":"Perfect.","start":1042.64,"end":1043.14,"sentiment":"positive","sentiment_score":0.5664514303207397},{"text":"Do you have any questions at the moment at all?","start":1044.5599,"end":1047.14,"sentiment":"neutral","sentiment_score":0.19286073967814446}],"sentiment":"neutral","sentiment_score":0.20202139940331965,"num_words":17,"start":1038.24,"end":1047.14},{"sentences":[{"text":"Mhmm.","start":1055.1549,"end":1055.6549,"sentiment":"neutral","sentiment_score":-0.15527862310409546},{"text":"Yeah.","start":1060.37,"end":1060.69,"sentiment":"neutral","sentiment_score":0.1577760875225067},{"text":"I can actually show you the projection table if you like.","start":1060.69,"end":1063.6699,"sentiment":"neutral","sentiment_score":0.1942182264544747},{"text":"If you scroll down to page 21 for me, I've actually got an outline and a projection.","start":1064.13,"end":1068.87,"sentiment":"neutral","sentiment_score":0.12223137038595536},{"text":"Yeah.","start":1071.585,"end":1071.905,"sentiment":"neutral","sentiment_score":0.15390099585056305}],"sentiment":"neutral","sentiment_score":0.14099136283320765,"num_words":31,"start":1055.1549,"end":1071.905},{"sentences":[{"text":"So you'll see the fee comparison table at the top has your balance.","start":1071.905,"end":1075.905,"sentiment":"neutral","sentiment_score":0.23183601177655733},{"text":"Essentially, you've got $1.45 $2.04 0 now.","start":1075.905,"end":1079.2849,"sentiment":"neutral","sentiment_score":0.20510147086211614},{"text":"You currently got your administration fees, investment fees that you pay at the moment, our ongoing service fee for looking after and monitoring everything, contributions based on the income that you've got, and then your insurance premiums there as well.","start":1079.745,"end":1093.0599,"sentiment":"neutral","sentiment_score":0.20627301651984453},{"text":"You'll sort of remember from the table above, you've got the 80% growth, 20% defensive, and that puts you in line with that growth asset allocation there.","start":1093.52,"end":1103.1749,"sentiment":"positive","sentiment_score":0.364385653425146},{"text":"And this the return at the bottom there is showing an average five year rolling average over the past sort of five years and how this how this portfolio that you're currently in has essentially looked to perform.","start":1104.115,"end":1116.01,"sentiment":"neutral","sentiment_score":0.30310050221650225}],"sentiment":"neutral","sentiment_score":0.27245384669303896,"num_words":125,"start":1071.905,"end":1116.01},{"sentences":[{"text":"Doesn't mean that you're gonna get that every year, but if you stayed exactly where you are in the same risk profile with no changes to your portfolio and you were able to get that 11.24%, over the next two to four years, you could see your super balance end up around this $1.75 to 210 mark.","start":1116.2301,"end":1134.585,"sentiment":"neutral","sentiment_score":0.21709201922803595},{"text":"Okay?","start":1134.725,"end":1135.225,"sentiment":"neutral","sentiment_score":0.09993556141853333},{"text":"That's where it could be, so long as it was able to get that 11.24%.","start":1136.6699,"end":1141.57,"sentiment":"neutral","sentiment_score":0.32589747111002604},{"text":"Now the one thing I do like to sort of talk about is taking utilizing projection tables with a grain of a salt because we know this portfolio that you're currently in, you're taking on a bit more risk at the moment.","start":1141.87,"end":1152.475,"sentiment":"neutral","sentiment_score":-0.13931891925278164},{"text":"You do wanna access super in the next sort of shorter term.","start":1152.475,"end":1156.015,"sentiment":"neutral","sentiment_score":-0.09244452727337678}],"sentiment":"neutral","sentiment_score":0.08190483297771356,"num_words":127,"start":1116.2301,"end":1156.015},{"sentences":[{"text":"So being in this kind of growth portfolio does see a higher level of risk in the market.","start":1156.235,"end":1160.7949,"sentiment":"neutral","sentiment_score":-0.29560793770684135},{"text":"You have more growth investments currently, and there is obviously the risk of having a bit of a downtime there as well over the next few years, which could mean that you may not get to that balance at the very top there.","start":1160.7949,"end":1172.53,"sentiment":"neutral","sentiment_score":-0.22692552243554315},{"text":"So it's sort of important to make sure that, you know, you're aware that this is obviously where we're projecting things forward based on the information we have.","start":1172.75,"end":1180.875,"sentiment":"neutral","sentiment_score":-0.051136053699467866},{"text":"However, projections I like to point out should be taken with a grain of salt because, you know, in one year, you could get a 10% return, another year, you get a 20% return, but then we could also see a negative, you know, one or five or 10% return in that five year rolling period as well.","start":1181.0951,"end":1195.9601,"sentiment":"neutral","sentiment_score":-0.17828380663333268},{"text":"Does that make sense?","start":1195.9601,"end":1197.1,"sentiment":"neutral","sentiment_score":-0.0001696790568530564}],"sentiment":"neutral","sentiment_score":-0.17782575727150535,"num_words":151,"start":1156.235,"end":1197.1},{"sentences":[{"text":"Yeah.","start":1198.2001,"end":1198.7001,"sentiment":"neutral","sentiment_score":0.05130831524729729},{"text":"Yeah.","start":1198.92,"end":1199.4,"sentiment":"neutral","sentiment_score":0.04644240438938141},{"text":"But all things considered, if you stay where you were made, no changes to your portfolio.","start":1199.4,"end":1203.4349,"sentiment":"neutral","sentiment_score":-0.00839157123118639},{"text":"That's where you could end up.","start":1203.4349,"end":1205.135,"sentiment":"neutral","sentiment_score":0.025593270470077794},{"text":"What I'm recommending is on the next side.","start":1205.595,"end":1207.995,"sentiment":"neutral","sentiment_score":0.009054372436366975}],"sentiment":"neutral","sentiment_score":0.005921255695284344,"num_words":32,"start":1198.2001,"end":1207.995},{"sentences":[{"text":"So with the recommendations retaining Netwealth, you'll see your balance is different slightly, and that's because of the $729.","start":1207.995,"end":1215.835,"sentiment":"neutral","sentiment_score":0.022917400824984436},{"text":"Now as I kinda mentioned before, whenever we make changes to your investments, there are tax consequences for your super fund.","start":1215.835,"end":1223.46,"sentiment":"neutral","sentiment_score":-0.12879936663167818},{"text":"So your super fund does pay capital gains tax whenever we're buying and selling or making alterations to your portfolio.","start":1223.46,"end":1229.72,"sentiment":"neutral","sentiment_score":-0.11439705900847912},{"text":"So that $7.29 is basically the the capital gains tax that your super fund would need to pay or account for after we complete the switch to those investments.","start":1229.86,"end":1239.965,"sentiment":"neutral","sentiment_score":-0.09112789417649138},{"text":"Does that make sense?","start":1240.025,"end":1241.1649,"sentiment":"neutral","sentiment_score":0.009948416147381067}],"sentiment":"neutral","sentiment_score":-0.07699153258375102,"num_words":93,"start":1207.995,"end":1241.1649},{"sentences":[{"text":"Yeah.","start":1242.52,"end":1242.92,"sentiment":"neutral","sentiment_score":0.10243768990039824},{"text":"Beautiful.","start":1242.92,"end":1243.42,"sentiment":"positive","sentiment_score":0.3891502618789673},{"text":"So your balance there would be $1.44 $5.01 1.","start":1243.7999,"end":1246.94,"sentiment":"neutral","sentiment_score":0.1199158974405792},{"text":"Underneath that, you have all your administration fees, investment fees, the ongoing service fee, your contribution again, and no change to your insurance premium.","start":1247.16,"end":1255.42,"sentiment":"neutral","sentiment_score":0.06106491852551699},{"text":"The difference being at the bottom there is that we are also looking to reduce your risk level, so moving you into more of a balanced portfolio.","start":1256.0449,"end":1262.385,"sentiment":"neutral","sentiment_score":0.1567591345972485}],"sentiment":"neutral","sentiment_score":0.11724009205617252,"num_words":62,"start":1242.52,"end":1262.385},{"sentences":[{"text":"And this balanced portfolio has been, over the past five years, a rolling return of about 9.73%.","start":1262.845,"end":1269.825,"sentiment":"neutral","sentiment_score":0.27035631590029774},{"text":"So whilst it is a bit lower than the growth portfolio, it is it's expected that when you're reducing your risk level, that the returns are going to be affected.","start":1270.1,"end":1278.5801,"sentiment":"neutral","sentiment_score":-0.203599468121926},{"text":"But you can see here with the balanced portfolio, over the next sort of two to four years, if you were able to get that 9% return every year, you can sort of see your balance grow over that $1.64 to $187,000 mark.","start":1278.5801,"end":1292.905,"sentiment":"positive","sentiment_score":0.6130107904589454},{"text":"And beyond that, it could continue to grow as well.","start":1292.905,"end":1295.385,"sentiment":"positive","sentiment_score":0.6343248009681701},{"text":"So I am honest, and I'll let you know, obviously, reducing your risk level does reduce the returns as well, the expected returns to the portfolio.","start":1295.385,"end":1303.4601,"sentiment":"neutral","sentiment_score":0.2916024894668506}],"sentiment":"neutral","sentiment_score":0.30771785755715675,"num_words":126,"start":1262.845,"end":1303.4601},{"sentences":[{"text":"A balanced portfolio can see greater returns than what you're currently getting at the moment or what is, you know, what it is showing here at that 9.73%.","start":1304.24,"end":1312.66,"sentiment":"positive","sentiment_score":0.5581276225192207},{"text":"But it's also about making sure that you're in a risk level that's comfortable for you.","start":1313.175,"end":1317.0951,"sentiment":"neutral","sentiment_score":0.3161723455414176},{"text":"And as we as I mentioned, as we get closer to retiring, having less of those ups and downs, having more of those defensive assets can sort of protect us against some of those really big drops that we can see over the next few years as well.","start":1317.0951,"end":1331.24,"sentiment":"positive","sentiment_score":0.3697264998530348},{"text":"Does that make sense?","start":1331.24,"end":1332.2999,"sentiment":"neutral","sentiment_score":0.21599106118083},{"text":"Yeah.","start":1333.24,"end":1333.74,"sentiment":"neutral","sentiment_score":0.12130072712898254}],"sentiment":"positive","sentiment_score":0.40637595797936943,"num_words":97,"start":1304.24,"end":1333.74},{"sentences":[{"text":"Did you wanna ask any additional questions here?","start":1333.88,"end":1336.6,"sentiment":"neutral","sentiment_score":0.04500478878617287},{"text":"I know this can be a little bit to go through, but did you wanna did you want me to clarify anything more for you?","start":1336.6,"end":1342.5399,"sentiment":"neutral","sentiment_score":0.004931615442037582},{"text":"No.","start":1345.815,"end":1346.315,"sentiment":"neutral","sentiment_score":-0.08857514709234238},{"text":"Sure.","start":1347.335,"end":1347.835,"sentiment":"neutral","sentiment_score":-0.042364150285720825},{"text":"Yeah.","start":1358.7899,"end":1359.27,"sentiment":"neutral","sentiment_score":0.03030417673289776}],"sentiment":"neutral","sentiment_score":0.010630377102643251,"num_words":36,"start":1333.88,"end":1359.27},{"sentences":[{"text":"Absolutely.","start":1359.27,"end":1359.77,"sentiment":"neutral","sentiment_score":0.041516486555337906},{"text":"So when you are you sort of talking about the age pension at age 67?","start":1360.07,"end":1363.9299,"sentiment":"neutral","sentiment_score":-0.0001540234467635552},{"text":"Or yeah.","start":1364.07,"end":1367.51,"sentiment":"neutral","sentiment_score":-0.005761818960309029},{"text":"Yeah.","start":1367.51,"end":1368.01,"sentiment":"neutral","sentiment_score":-0.04266088455915451},{"text":"No.","start":1370.2749,"end":1370.5149,"sentiment":"neutral","sentiment_score":-0.2339790165424347}],"sentiment":"neutral","sentiment_score":-0.012447870208416135,"num_words":20,"start":1359.27,"end":1370.5149},{"sentences":[{"text":"It's absolutely not.","start":1370.5149,"end":1371.715,"sentiment":"neutral","sentiment_score":-0.3251022696495056},{"text":"It's a fantastic question, actually.","start":1371.715,"end":1373.5549,"sentiment":"neutral","sentiment_score":0.2684986531734467},{"text":"So, Sharon, when you are closer to age pension age, and what I wanna do with you is kinda kinda keep monitoring things and make sure that we're working as hard as we can towards your goals and boosting super where we can.","start":1373.5549,"end":1385.19,"sentiment":"neutral","sentiment_score":0.22959759684149608},{"text":"But, essentially, when you're about thirteen weeks out from turning 67, you can apply for the age pension there.","start":1385.73,"end":1391.75,"sentiment":"neutral","sentiment_score":0.14235101365729383},{"text":"What they do is they have a look at all of your assets and your, so all of your assets, so any bank accounts you have, your cars, your contents, basically everything as well as your super.","start":1392.13,"end":1402.815,"sentiment":"neutral","sentiment_score":0.16572585420028582}],"sentiment":"neutral","sentiment_score":0.17828419613086174,"num_words":107,"start":1370.5149,"end":1402.815},{"sentences":[{"text":"So long as all of your assets and income are under certain thresholds, you can still have super and also draw some age pension.","start":1403.115,"end":1412.42,"sentiment":"neutral","sentiment_score":0.26041825860738754},{"text":"And part of what I do is look at advice on how you can structure things so you can draw some out of super but also some age pension because we know your balance is a little bit lower.","start":1413.04,"end":1422.48,"sentiment":"neutral","sentiment_score":0.21467106349957296},{"text":"You are closer to accessing super.","start":1422.48,"end":1424.56,"sentiment":"positive","sentiment_score":0.34744526942571},{"text":"So, you know, realistically wise, I'm not gonna expect that you're gonna have, you know, 6 to $900,000 in there.","start":1424.56,"end":1431.175,"sentiment":"neutral","sentiment_score":0.028983072750270365},{"text":"I'm I'm realistic about it.","start":1431.175,"end":1433.1951,"sentiment":"neutral","sentiment_score":0.11485375612974166}],"sentiment":"neutral","sentiment_score":0.19000863335392576,"num_words":94,"start":1403.115,"end":1433.1951},{"sentences":[{"text":"However, even with a balance of 2 or $300,000 in super retirement, we can t team that up with some age pension, and you can still get longevity out of your super, and that's part of the advice that I'm able to provide down the track for you.","start":1433.655,"end":1448.6699,"sentiment":"positive","sentiment_score":0.5647193342447281},{"text":"Does that answer your question?","start":1448.6699,"end":1450.13,"sentiment":"neutral","sentiment_score":0.10975531041622162},{"text":"Yeah.","start":1452.605,"end":1453.005,"sentiment":"neutral","sentiment_score":0.10515324771404266},{"text":"That's okay.","start":1453.005,"end":1453.745,"sentiment":"neutral","sentiment_score":0.1729784905910492},{"text":"Yeah.","start":1460.0449,"end":1460.365,"sentiment":"neutral","sentiment_score":0.0873108059167862}],"sentiment":"positive","sentiment_score":0.4946267654498418,"num_words":57,"start":1433.655,"end":1460.365},{"sentences":[{"text":"Well, at the moment, depending on your assets, sir, at the moment, given the assets that I have here, I'm just double checking because with your super balance and just seeing what else I've got noted here.","start":1460.365,"end":1471.22,"sentiment":"neutral","sentiment_score":0.10238896562038241},{"text":"All in all, super's $1.45, and we've got other assets totaling about 153.","start":1472.24,"end":1478.5,"sentiment":"neutral","sentiment_score":0.10494400675480182},{"text":"Realistically, you are, at the moment, eligible to get the full age pension, and then we can also draw a little bit out of so far.","start":1479.995,"end":1489.695,"sentiment":"neutral","sentiment_score":0.14899161114142492},{"text":"But we can assess that down the track much further.","start":1490.075,"end":1492.83,"sentiment":"neutral","sentiment_score":0.09010372161865235},{"text":"But at the moment, based on the assets so that I can see your current super balance and the assets that we have noted, you'd be eligible to get the full age pension, which would give you at the moment, the single rate is about $1,200 per fortnight, and then we could draw just a small amount out of sleep with a supplement the difference to make sure you have enough in the way of living expenses.","start":1492.83,"end":1516.245,"sentiment":"neutral","sentiment_score":0.18949280669549842}],"sentiment":"neutral","sentiment_score":0.1504198100440707,"num_words":163,"start":1460.365,"end":1516.245},{"sentences":[{"text":"Mhmm.","start":1521.6,"end":1522.1,"sentiment":"neutral","sentiment_score":0.03871741145849228},{"text":"Yep.","start":1523.84,"end":1524.34,"sentiment":"neutral","sentiment_score":0.029925107955932617},{"text":"Yeah.","start":1527.36,"end":1527.84,"sentiment":"neutral","sentiment_score":0.03133140131831169},{"text":"So when we did the annual review last year, we had other assets noted down.","start":1527.84,"end":1532.0,"sentiment":"neutral","sentiment_score":0.05374129836757978},{"text":"So we have a Toyota Corolla.","start":1532.0,"end":1534.5249,"sentiment":"neutral","sentiment_score":0.05137487314641476}],"sentiment":"neutral","sentiment_score":0.050597609796871744,"num_words":24,"start":1521.6,"end":1534.5249},{"sentences":[{"text":"Asset value then was about 13,800.","start":1534.825,"end":1538.125,"sentiment":"neutral","sentiment_score":0.029965306011339028},{"text":"You had about 40,000 in savings in the bank and then also had an investment account with another 6,500, and then you had contents estimated at about 93,000 in value.","start":1538.505,"end":1550.47,"sentiment":"neutral","sentiment_score":0.04049253612756729},{"text":"Yes.","start":1555.25,"end":1555.5701,"sentiment":"neutral","sentiment_score":0.032751843333244324},{"text":"So it's not with your the insurance.","start":1555.5701,"end":1557.91,"sentiment":"neutral","sentiment_score":-0.02395923395774194},{"text":"And, realistically, your contents is valued on your insurance at 93,000.","start":1558.13,"end":1562.235,"sentiment":"neutral","sentiment_score":0.007591536903584545}],"sentiment":"neutral","sentiment_score":0.02442021875388243,"num_words":55,"start":1534.825,"end":1562.235},{"sentences":[{"text":"But when we talk about Centrelink and Age Pension, we normally look at fire sale values.","start":1562.235,"end":1567.1951,"sentiment":"neutral","sentiment_score":-0.02666950784623623},{"text":"So we'd knock your contents down much lower than what it is.","start":1567.1951,"end":1570.8151,"sentiment":"neutral","sentiment_score":-0.04400067745397488},{"text":"But even at your current with your current assets that I can see here, you're under the lower threshold.","start":1571.1951,"end":1577.2301,"sentiment":"neutral","sentiment_score":0.05159762756604897},{"text":"So, realistically, you should be eligible for a full age pension.","start":1577.37,"end":1582.01,"sentiment":"neutral","sentiment_score":0.2710298868742856},{"text":"I'm just double, triple checking these thresholds at the moment for you because I was looking at those earlier.","start":1582.01,"end":1588.9349,"sentiment":"neutral","sentiment_score":0.08982398341360845}],"sentiment":"neutral","sentiment_score":0.06121583258757343,"num_words":77,"start":1562.235,"end":1588.9349},{"sentences":[{"text":"Now you can I double check, Sharon, you're renting out?","start":1590.195,"end":1592.515,"sentiment":"neutral","sentiment_score":0.004156230017542839},{"text":"You you don't own a home?","start":1592.515,"end":1593.475,"sentiment":"neutral","sentiment_score":-0.045796013747652374},{"text":"You're not a homeowner?","start":1593.475,"end":1594.375,"sentiment":"neutral","sentiment_score":-0.05400344729423523},{"text":"No.","start":1596.595,"end":1597.095,"sentiment":"negative","sentiment_score":-0.4269533157348633},{"text":"Honestly, it's an it's an individual decision.","start":1599.57,"end":1602.79,"sentiment":"neutral","sentiment_score":-0.009705249220132828}],"sentiment":"neutral","sentiment_score":-0.033718486848686426,"num_words":28,"start":1590.195,"end":1602.79},{"sentences":[{"text":"I mean, it it does mean that you don't have to pay rent.","start":1602.85,"end":1605.73,"sentiment":"neutral","sentiment_score":0.00632150349422143},{"text":"However, there are other expenses like your home and contents insurance and, you know, your regular taxes and things like that to cover it.","start":1605.73,"end":1614.625,"sentiment":"neutral","sentiment_score":0.01501539209857583},{"text":"Right?","start":1614.625,"end":1615.125,"sentiment":"neutral","sentiment_score":0.0307572428137064},{"text":"So there are other expenses to be considered in there as well, but it's it's honestly a personal decision.","start":1615.505,"end":1620.965,"sentiment":"neutral","sentiment_score":0.10028986319115288},{"text":"At the moment, for a single person as a non homeowner to be able to access full age pension, total assets need to be less than 759,500.","start":1621.745,"end":1633.9501,"sentiment":"neutral","sentiment_score":0.006519361088673274}],"sentiment":"neutral","sentiment_score":0.030414718436077237,"num_words":84,"start":1602.85,"end":1633.9501},{"sentences":[{"text":"Absolutely.","start":1636.0901,"end":1636.5901,"sentiment":"positive","sentiment_score":0.681023120880127},{"text":"Yes.","start":1636.9701,"end":1637.37,"sentiment":"positive","sentiment_score":0.5324388742446899},{"text":"So given your current circumstances, even with the changes and the projected outcome, it does look like you're under that threshold.","start":1637.37,"end":1644.355,"sentiment":"neutral","sentiment_score":0.31752829608463107},{"text":"So we might be able to down the track book of getting full age pension and then work out the shortfall of what you need income wise and be drawing a smaller amount out of super just to supplement that and try to make sure we get as much longevity out of your super as possible.","start":1644.355,"end":1658.8,"sentiment":"positive","sentiment_score":0.4718554365847792},{"text":"Okay?","start":1659.18,"end":1659.68,"sentiment":"neutral","sentiment_score":0.20534895360469815}],"sentiment":"positive","sentiment_score":0.43138512019068004,"num_words":80,"start":1636.0901,"end":1659.68},{"sentences":[{"text":"Yep.","start":1662.14,"end":1662.64,"sentiment":"positive","sentiment_score":0.33411282300949097},{"text":"Absolutely.","start":1667.595,"end":1668.095,"sentiment":"positive","sentiment_score":0.5771695971488953},{"text":"Yeah.","start":1668.635,"end":1669.035,"sentiment":"positive","sentiment_score":0.4537465572357178},{"text":"Definitely.","start":1669.035,"end":1669.535,"sentiment":"positive","sentiment_score":0.5195099115371704},{"text":"So you keep the super invested.","start":1669.595,"end":1671.375,"sentiment":"positive","sentiment_score":0.4014390955368678}],"sentiment":"positive","sentiment_score":0.4293173462152481,"num_words":10,"start":1662.14,"end":1671.375},{"sentences":[{"text":"Yeah.","start":1671.675,"end":1672.175,"sentiment":"neutral","sentiment_score":0.2310573309659958},{"text":"Yep.","start":1672.235,"end":1672.735,"sentiment":"positive","sentiment_score":0.33848246932029724},{"text":"Yes.","start":1677.755,"end":1678.255,"sentiment":"neutral","sentiment_score":0.19408956170082092},{"text":"Absolutely.","start":1678.475,"end":1678.975,"sentiment":"positive","sentiment_score":0.4699533879756927},{"text":"Absolutely.","start":1679.355,"end":1679.855,"sentiment":"positive","sentiment_score":0.494232177734375}],"sentiment":"positive","sentiment_score":0.3455629855394363,"num_words":5,"start":1671.675,"end":1679.855},{"sentences":[{"text":"So one of one of the good things is we would move you fully into essentially the pension.","start":1680.3151,"end":1685.67,"sentiment":"positive","sentiment_score":0.5714633216460546},{"text":"Because at the moment, you're in the accumulation side of things.","start":1685.67,"end":1688.15,"sentiment":"positive","sentiment_score":0.4477767971428958},{"text":"You're accumulating that wealth towards your goal of being able to start working and retire.","start":1688.15,"end":1693.21,"sentiment":"positive","sentiment_score":0.5774114410082499},{"text":"So when you actually do retire at 65 or 67, whenever it's comfortable for you, we'll move you into pension phase.","start":1693.5349,"end":1701.075,"sentiment":"positive","sentiment_score":0.3560024769533248},{"text":"At the moment within so far, your your income and your capital gains is all taxed at 1510% of your, you know, your assets are held for over twelve months.","start":1701.695,"end":1714.02,"sentiment":"neutral","sentiment_score":0.2832064976294835}],"sentiment":"positive","sentiment_score":0.419424243349778,"num_words":95,"start":1680.3151,"end":1714.02},{"sentences":[{"text":"You get a bit of a discount on CDT.","start":1714.02,"end":1715.88,"sentiment":"neutral","sentiment_score":0.28034265008237624},{"text":"However, in pension phase, there's no income tax, and there's no CGT consequences.","start":1716.8201,"end":1721.655,"sentiment":"neutral","sentiment_score":0.2504228353500366},{"text":"There's no taxation whatsoever.","start":1721.795,"end":1723.335,"sentiment":"positive","sentiment_score":0.3610624223947525},{"text":"So any income that you're it absolutely does.","start":1723.955,"end":1727.555,"sentiment":"positive","sentiment_score":0.6842966228723526},{"text":"Yeah.","start":1727.555,"end":1727.955,"sentiment":"positive","sentiment_score":0.4641443490982056}],"sentiment":"positive","sentiment_score":0.3760385066270828,"num_words":35,"start":1714.02,"end":1727.955},{"sentences":[{"text":"So your fund doesn't pay income taxes.","start":1727.955,"end":1730.1951,"sentiment":"neutral","sentiment_score":0.29937937217099325},{"text":"There's no CGT consequences.","start":1730.1951,"end":1731.735,"sentiment":"neutral","sentiment_score":0.22912869229912758},{"text":"You'll be able to draw some income completely tax free for yourself as well.","start":1732.275,"end":1736.375,"sentiment":"positive","sentiment_score":0.606526004416602},{"text":"And so that pension phase is essentially a tax free sheltered area for you.","start":1737.21,"end":1742.4299,"sentiment":"positive","sentiment_score":0.4703803655325568},{"text":"We would be drawing just a small amount of money out that you need on a regular basis, maybe weekly or fortnightly, however much you need and whatever time frame you need to supplement the age pension.","start":1742.8099,"end":1753.515,"sentiment":"neutral","sentiment_score":0.23636053985840566}],"sentiment":"positive","sentiment_score":0.35308157274266705,"num_words":76,"start":1727.955,"end":1753.515},{"sentences":[{"text":"And then the money that's left in there remains invested.","start":1754.535,"end":1758.155,"sentiment":"neutral","sentiment_score":0.25570311695337294},{"text":"So you do wanna be making some income to help draw down those payments, but also having some growth in there as well to kind of help build and keep your super working as long as possible.","start":1758.375,"end":1769.53,"sentiment":"positive","sentiment_score":0.5198644045236949},{"text":"So that's that's all what I sorta do when you get closest to that age.","start":1769.67,"end":1774.25,"sentiment":"neutral","sentiment_score":0.1853623077273369},{"text":"Yeah.","start":1776.0149,"end":1776.5149,"sentiment":"neutral","sentiment_score":0.04826921597123146},{"text":"It's pretty cool.","start":1776.575,"end":1777.635,"sentiment":"neutral","sentiment_score":0.017468676902353764}],"sentiment":"positive","sentiment_score":0.3738352121136179,"num_words":66,"start":1754.535,"end":1777.635},{"sentences":[{"text":"Yeah.","start":1778.335,"end":1778.835,"sentiment":"neutral","sentiment_score":-0.06163347512483597},{"text":"Oh, it's okay.","start":1782.575,"end":1783.875,"sentiment":"neutral","sentiment_score":-0.08076125631729762},{"text":"Oh, I do understand.","start":1788.62,"end":1790.08,"sentiment":"neutral","sentiment_score":-0.10512694343924522},{"text":"Yeah.","start":1790.62,"end":1791.12,"sentiment":"neutral","sentiment_score":-0.1257871836423874},{"text":"No.","start":1791.42,"end":1791.92,"sentiment":"neutral","sentiment_score":-0.19310739636421204}],"sentiment":"neutral","sentiment_score":-0.10433195978403091,"num_words":10,"start":1778.335,"end":1791.92},{"sentences":[{"text":"Yeah.","start":1795.74,"end":1796.24,"sentiment":"neutral","sentiment_score":-0.06482033431529999},{"text":"Absolutely.","start":1797.1,"end":1797.6,"sentiment":"neutral","sentiment_score":-0.04747752845287323},{"text":"Yeah.","start":1798.7,"end":1799.2,"sentiment":"neutral","sentiment_score":-0.06073174253106117},{"text":"Of course.","start":1802.765,"end":1803.425,"sentiment":"neutral","sentiment_score":0.0011640675365924835},{"text":"Yeah.","start":1808.2051,"end":1808.6051,"sentiment":"neutral","sentiment_score":0.1875068247318268}],"sentiment":"neutral","sentiment_score":0.0028008924176295643,"num_words":6,"start":1795.74,"end":1808.6051},{"sentences":[{"text":"Yeah.","start":1808.6051,"end":1809.1051,"sentiment":"neutral","sentiment_score":0.2324373573064804},{"text":"No.","start":1809.3251,"end":1809.5651,"sentiment":"neutral","sentiment_score":-0.051283013075590134},{"text":"That's that's understandable.","start":1809.5651,"end":1811.185,"sentiment":"neutral","sentiment_score":-0.02875532830754916},{"text":"And, look, you've still got a bit of time on your side now, so we're doing what we can now to sort of get things working and keep you on track.","start":1811.5651,"end":1818.4,"sentiment":"neutral","sentiment_score":0.3116463158399828},{"text":"You've done really well thus far, but we're just gonna keep track of you a little bit longer there and look at what else we can do.","start":1818.4,"end":1824.5801,"sentiment":"neutral","sentiment_score":0.2950636424400188}],"sentiment":"neutral","sentiment_score":0.28131178565441617,"num_words":63,"start":1808.6051,"end":1824.5801},{"sentences":[{"text":"The other thing I wanted to be talked about was looking at other strategies.","start":1825.8401,"end":1829.605,"sentiment":"neutral","sentiment_score":0.10592074426157135},{"text":"Because you are over the age of 60 now, do you remember us talking about that transfer time strategy where you can sorry.","start":1829.6649,"end":1837.825,"sentiment":"neutral","sentiment_score":0.062462818120484764},{"text":"Increase your contributions in the super and also take a little bit of money out?","start":1837.825,"end":1841.73,"sentiment":"neutral","sentiment_score":0.17606341143449147},{"text":"Do you remember talking to me about that last time?","start":1841.73,"end":1844.15,"sentiment":"neutral","sentiment_score":0.020246776379644872},{"text":"Yeah.","start":1844.69,"end":1845.19,"sentiment":"neutral","sentiment_score":0.01815701089799404}],"sentiment":"neutral","sentiment_score":0.09176366956579307,"num_words":63,"start":1825.8401,"end":1845.19},{"sentences":[{"text":"So I've also incorporated that for you.","start":1845.57,"end":1848.0499,"sentiment":"neutral","sentiment_score":0.2785350871937616},{"text":"If you can go down to page 25 for me, I'll take you through how this works.","start":1848.0499,"end":1852.63,"sentiment":"neutral","sentiment_score":0.17121521865620332},{"text":"That's okay.","start":1868.56,"end":1869.46,"sentiment":"neutral","sentiment_score":-0.12719200551509857},{"text":"You're fine.","start":1869.92,"end":1870.74,"sentiment":"neutral","sentiment_score":-0.06577912718057631},{"text":"Yeah.","start":1875.2,"end":1875.7,"sentiment":"neutral","sentiment_score":0.0706787034869194}],"sentiment":"neutral","sentiment_score":0.15672899191749506,"num_words":29,"start":1845.57,"end":1875.7},{"sentences":[{"text":"It should be a blue box.","start":1877.68,"end":1878.88,"sentiment":"neutral","sentiment_score":0.06681281017760436},{"text":"It should say, Sharon, command to transition to retirement strategy.","start":1878.88,"end":1882.475,"sentiment":"neutral","sentiment_score":0.06604937501251698},{"text":"Yeah.","start":1884.695,"end":1885.195,"sentiment":"neutral","sentiment_score":0.2209397405385971},{"text":"Perfect.","start":1885.495,"end":1885.995,"sentiment":"positive","sentiment_score":0.6307268142700195},{"text":"Now the way we're sort of looking to do this and the way this sort of strategy works is that we're able to move a certain portion of your funds into the account based pension side.","start":1886.855,"end":1896.9701,"sentiment":"neutral","sentiment_score":0.3276040570603477}],"sentiment":"neutral","sentiment_score":0.2538293188920728,"num_words":54,"start":1877.68,"end":1896.9701},{"sentences":[{"text":"It's called a TTR pension, a transit retirement pension account.","start":1896.9701,"end":1900.75,"sentiment":"neutral","sentiment_score":0.1888604626059532},{"text":"We do have to leave about 10,000 behind, and the strategy I've worked out on the second line here, it shows you that we're gonna commence that with a 134,411, and we're gonna leave that 10,050 in your current accumulation account.","start":1901.29,"end":1917.535,"sentiment":"neutral","sentiment_score":0.19175726611439775},{"text":"So you'll end up with two super accounts.","start":1917.535,"end":1919.635,"sentiment":"neutral","sentiment_score":0.17866738140583038},{"text":"One super accumulation as you have it now.","start":1919.935,"end":1922.64,"sentiment":"neutral","sentiment_score":0.15712216310203075},{"text":"The next one's gonna be like a a it says pension account, TTR pension account on there, and you'll see the funds distributed between the two accounts.","start":1922.72,"end":1930.1,"sentiment":"neutral","sentiment_score":0.08660371394621001}],"sentiment":"neutral","sentiment_score":0.15718371456766383,"num_words":94,"start":1896.9701,"end":1930.1},{"sentences":[{"text":"What we're going to do, and I'll go through this a little bit easier.","start":1930.96,"end":1934.64,"sentiment":"neutral","sentiment_score":0.19863409655434744},{"text":"If you scroll down past that writing because it can be a bit confusing, if you scroll down to page the bottom of page twenty six and twenty seven there, I've actually got a table that outlines this.","start":1934.64,"end":1945.595,"sentiment":"neutral","sentiment_score":0.025908460448447027},{"text":"And when we sort of spoke last time, you sent me a copy of your two payslips.","start":1945.815,"end":1949.735,"sentiment":"neutral","sentiment_score":0.12977398931980133},{"text":"So I was able to have a look at your payslips to work out what your average earning capacity is and so we can look at how best to keep your take home pay as much the same as possible.","start":1949.735,"end":1960.5599,"sentiment":"neutral","sentiment_score":0.2496872406452894},{"text":"Okay?","start":1960.7,"end":1961.2,"sentiment":"neutral","sentiment_score":0.1531968116760254}],"sentiment":"neutral","sentiment_score":0.1464749373156916,"num_words":110,"start":1930.96,"end":1961.2},{"sentences":[{"text":"So what I had to look at because you are an aged care worker, you do get different penalties and do work, you know, some additional shifts here and there.","start":1962.86,"end":1971.0851,"sentiment":"neutral","sentiment_score":-0.004883081931620836},{"text":"So what I've done is I've taken your highest payslip, worked off your gross income, and projected that forward to make sure we're not exceeding any contributions caps at all.","start":1971.4651,"end":1981.485,"sentiment":"neutral","sentiment_score":0.127167230596145},{"text":"But, essentially, when I had a look at your pay slip and evened it out over the course of the year, it did show me that your gross income for the year is expected to be about 65,115.","start":1981.74,"end":1992.56,"sentiment":"neutral","sentiment_score":0.11522768094743553},{"text":"Can I double check?","start":1993.1,"end":1994.3,"sentiment":"neutral","sentiment_score":0.017815210390836},{"text":"Would that have changed since would you be on anything more than that since we last caught up?","start":1994.3,"end":1999.3251,"sentiment":"neutral","sentiment_score":-0.02792609120822615}],"sentiment":"neutral","sentiment_score":0.0634647294646129,"num_words":120,"start":1962.86,"end":1999.3251},{"sentences":[{"text":"Would that be Okay.","start":1999.3251,"end":2015.28,"sentiment":"neutral","sentiment_score":-0.01572380168363452},{"text":"Yeah.","start":2015.3401,"end":2015.8401,"sentiment":"neutral","sentiment_score":-0.01792679913341999},{"text":"Beautiful.","start":2017.02,"end":2017.52,"sentiment":"positive","sentiment_score":0.5882232189178467},{"text":"Excellent.","start":2017.74,"end":2018.24,"sentiment":"positive","sentiment_score":0.5846884250640869},{"text":"So we've worked out your income here.","start":2018.38,"end":2020.62,"sentiment":"neutral","sentiment_score":0.25782970019749235}],"sentiment":"neutral","sentiment_score":0.206921252821173,"num_words":14,"start":1999.3251,"end":2020.62},{"sentences":[{"text":"So what essentially happens is and you'll see the current position and proposed position.","start":2020.62,"end":2025.045,"sentiment":"neutral","sentiment_score":0.13801173652921403},{"text":"The proposed is what we're gonna do to make the changes.","start":2025.045,"end":2028.345,"sentiment":"neutral","sentiment_score":0.18604018471457742},{"text":"Essentially, having your income at that 65,115 gross, at the moment, there's no salary sacrifice contributions.","start":2028.885,"end":2036.905,"sentiment":"neutral","sentiment_score":0.10202787397429347},{"text":"So you'll see your net income, your net taxable income is about 65.","start":2037.39,"end":2042.43,"sentiment":"neutral","sentiment_score":0.12144581400431119},{"text":"So it's your gross taxable net income.","start":2042.43,"end":2044.37,"sentiment":"neutral","sentiment_score":0.055783387539642196}],"sentiment":"neutral","sentiment_score":0.12426773150314073,"num_words":61,"start":2020.62,"end":2044.37},{"sentences":[{"text":"Gross taxable income, I'm sorry, Sharon.","start":2044.59,"end":2046.27,"sentiment":"neutral","sentiment_score":-0.0066773645812645555},{"text":"If I could talk this afternoon, it would be okay.","start":2046.27,"end":2048.03,"sentiment":"neutral","sentiment_score":0.016030245833098887},{"text":"I'm being tongue tied.","start":2048.03,"end":2049.25,"sentiment":"neutral","sentiment_score":0.016939764842391014},{"text":"It's $65.01 $1.05.","start":2049.485,"end":2051.565,"sentiment":"neutral","sentiment_score":0.03716112673282623},{"text":"And then the income tax on that the income tax taken out is 11,601, which essentially means that your take home pay is about 53,514 there.","start":2051.565,"end":2063.245,"sentiment":"neutral","sentiment_score":0.04058162982647236}],"sentiment":"neutral","sentiment_score":0.027644960936729093,"num_words":49,"start":2044.59,"end":2063.245},{"sentences":[{"text":"Okay?","start":2063.245,"end":2063.745,"sentiment":"neutral","sentiment_score":0.04741284251213074},{"text":"With the proposed column, we start again at the top with your your gross income, and then we're gonna increase your salary sacrifice contribution.","start":2064.67,"end":2072.45,"sentiment":"neutral","sentiment_score":0.12606376595795155},{"text":"So for the year, we're gonna then put 20,200 in there that you get paid on a fortnightly basis.","start":2072.83,"end":2080.885,"sentiment":"neutral","sentiment_score":0.16166057359231145},{"text":"So I'll work it out for you as a fortnight.","start":2081.5051,"end":2083.845,"sentiment":"neutral","sentiment_score":0.23283427134156226},{"text":"It would be about $776.92 per fortnight.","start":2084.465,"end":2088.965,"sentiment":"neutral","sentiment_score":0.02100902982056141}],"sentiment":"neutral","sentiment_score":0.14130983681830225,"num_words":61,"start":2063.245,"end":2088.965},{"sentences":[{"text":"That we increase your contributions in to supervise that amount.","start":2089.425,"end":2093.045,"sentiment":"neutral","sentiment_score":0.03562965840101242},{"text":"And then you'll see there that does decrease your take home pay.","start":2093.4,"end":2096.8398,"sentiment":"neutral","sentiment_score":-0.07135924138128757},{"text":"So your take home pay decreases to 44,915.","start":2096.8398,"end":2101.02,"sentiment":"neutral","sentiment_score":-0.06680776458233595},{"text":"It also decreases your income tax.","start":2101.48,"end":2103.7998,"sentiment":"neutral","sentiment_score":-0.0816917655368646},{"text":"So your income tax goes from 11,601 to 4,843.","start":2103.7998,"end":2109.655,"sentiment":"neutral","sentiment_score":-0.06296980339619848}],"sentiment":"neutral","sentiment_score":-0.04647456117802196,"num_words":45,"start":2089.425,"end":2109.655},{"sentences":[{"text":"Now because we know increase in the contributions reduces your take home pay, we don't want that.","start":2110.435,"end":2116.755,"sentiment":"negative","sentiment_score":-0.35371457040309906},{"text":"So under the strategy, you'll see on the bottom there, the pension withdrawal.","start":2116.755,"end":2121.98,"sentiment":"neutral","sentiment_score":0.005740278758681738},{"text":"It's the second column from the bottom of that same table.","start":2121.98,"end":2124.64,"sentiment":"neutral","sentiment_score":0.031041408296335827},{"text":"The number 13,000 four 40 one.","start":2125.02,"end":2127.68,"sentiment":"neutral","sentiment_score":0.012113189014295736},{"text":"So on the same line, look at the second last column from the bottom there.","start":2129.82,"end":2133.675,"sentiment":"neutral","sentiment_score":0.023924558671812216}],"sentiment":"neutral","sentiment_score":-0.08331485592850274,"num_words":62,"start":2110.435,"end":2133.675},{"sentences":[{"text":"It says pension withdrawal, and the number is $13.04 $4.01.","start":2133.675,"end":2137.695,"sentiment":"neutral","sentiment_score":0.022221953980624674},{"text":"Yeah.","start":2139.995,"end":2140.395,"sentiment":"neutral","sentiment_score":0.25047147274017334},{"text":"Perfect.","start":2140.395,"end":2140.895,"sentiment":"positive","sentiment_score":0.6220541000366211},{"text":"So with the recommendation, we're increasing your contributions in the sofa.","start":2141.2751,"end":2145.2952,"sentiment":"neutral","sentiment_score":0.3008046664974906},{"text":"It reduces your take home pay.","start":2145.7,"end":2147.62,"sentiment":"neutral","sentiment_score":0.18100760877132416}],"sentiment":"neutral","sentiment_score":0.18929800333390975,"num_words":29,"start":2133.675,"end":2147.62},{"sentences":[{"text":"So then under this strategy, we're able to then withdraw that $13,000 on a yearly basis or if I work at per fortnight, $516 from your transition pension account to your bank account.","start":2147.62,"end":2161.9648,"sentiment":"neutral","sentiment_score":0.19554216663042703},{"text":"The money you're taking out of super is completely tax free, and you're putting more money into super than you are taking out.","start":2161.9648,"end":2168.7048,"sentiment":"neutral","sentiment_score":0.2180785173955171},{"text":"But it brings your take home pay back to the same level.","start":2168.9248,"end":2172.145,"sentiment":"neutral","sentiment_score":0.18421754613518715},{"text":"That's okay.","start":2176.86,"end":2177.68,"sentiment":"neutral","sentiment_score":0.0333372512832284},{"text":"That's okay.","start":2178.46,"end":2179.28,"sentiment":"neutral","sentiment_score":0.14100909978151321}],"sentiment":"neutral","sentiment_score":0.19483334242573214,"num_words":72,"start":2147.62,"end":2179.28},{"sentences":[{"text":"So to run through it again for you, we're starting off with 65,115.","start":2179.74,"end":2184.54,"sentiment":"neutral","sentiment_score":0.07360303573883496},{"text":"That's your gross income for the year.","start":2184.54,"end":2186.505,"sentiment":"neutral","sentiment_score":0.09998133672135216},{"text":"We're gonna increase your contributions to super by 20,000.","start":2186.585,"end":2190.285,"sentiment":"neutral","sentiment_score":0.1816175944275326},{"text":"So $65.01 $1.05 minus that 20,200 means your taxable income is reduced to 44,915.","start":2190.6648,"end":2199.2449,"sentiment":"neutral","sentiment_score":0.08159646897443704},{"text":"And then the income tax is deducted to 4,843.","start":2199.75,"end":2204.79,"sentiment":"neutral","sentiment_score":0.07793459710147646}],"sentiment":"neutral","sentiment_score":0.09875055982802923,"num_words":52,"start":2179.74,"end":2204.79},{"sentences":[{"text":"That comes off that $44.01 9, which means your net take home pay is 40,072.","start":2204.79,"end":2212.33,"sentiment":"neutral","sentiment_score":0.09808948834737143},{"text":"But under the current scenario, your take home pay is currently 53,514.","start":2212.765,"end":2218.945,"sentiment":"neutral","sentiment_score":0.03754011417428652},{"text":"So we wanna get that back to that 53,500 mark.","start":2219.2449,"end":2223.505,"sentiment":"neutral","sentiment_score":0.17277718856930732},{"text":"So you can withdraw that 13,000 out of super, 13,000 on top of that $40.00 $7.02 brings you back to your actual take home pay.","start":2223.805,"end":2233.8599,"sentiment":"neutral","sentiment_score":0.29166580468416214},{"text":"It's okay.","start":2236.4,"end":2237.0598,"sentiment":"neutral","sentiment_score":0.14033447206020355}],"sentiment":"neutral","sentiment_score":0.17534233815968037,"num_words":64,"start":2204.79,"end":2237.0598},{"sentences":[{"text":"It is a lot.","start":2237.28,"end":2238.16,"sentiment":"neutral","sentiment_score":-0.14698924124240875},{"text":"Yeah.","start":2238.16,"end":2238.66,"sentiment":"neutral","sentiment_score":0.05207768827676773},{"text":"Yeah.","start":2246.495,"end":2246.735,"sentiment":"neutral","sentiment_score":0.05662618950009346},{"text":"So what we'll essentially do is we'll give you a salary sacrifice letter, which tells you how much to put into super.","start":2246.735,"end":2252.835,"sentiment":"neutral","sentiment_score":0.20405482229861346},{"text":"Your employer will organize that along with your contributions.","start":2253.46,"end":2256.44,"sentiment":"neutral","sentiment_score":0.2334402385685179}],"sentiment":"neutral","sentiment_score":0.1651598689322536,"num_words":37,"start":2237.28,"end":2256.44},{"sentences":[{"text":"They will put that money into super pretax as part of the salary sacrifice, and then we will organize that withdrawal of that 13,000, which is about $516 on a fortnightly basis.","start":2257.3,"end":2270.1848,"sentiment":"neutral","sentiment_score":0.20030668773688376},{"text":"We'll organize that to come out of your pension account so it hits your bank account.","start":2270.885,"end":2275.2048,"sentiment":"neutral","sentiment_score":0.21646098233759403},{"text":"So the income you get from your employer plus the amount you're gonna take out of super will replenish your income.","start":2275.2048,"end":2282.54,"sentiment":"positive","sentiment_score":0.40712304200444904},{"text":"It keeps your take home pay exactly the same.","start":2282.54,"end":2285.28,"sentiment":"positive","sentiment_score":0.4465895460711585},{"text":"It's about a dollar difference from what I've worked out here, but it keeps your take home pay basically exactly the same for the year, and it means that you're putting a lot more money into super to provide a a greater benefit inside super.","start":2285.82,"end":2298.195,"sentiment":"positive","sentiment_score":0.42324498626920914}],"sentiment":"positive","sentiment_score":0.3373016577547159,"num_words":123,"start":2257.3,"end":2298.195},{"sentences":[{"text":"Does that make sense?","start":2298.335,"end":2299.475,"sentiment":"neutral","sentiment_score":0.22671406902372837},{"text":"So if you decide to take on these recommendations, we will essentially settle this up straight away.","start":2301.615,"end":2307.155,"sentiment":"neutral","sentiment_score":-0.04976948942331707},{"text":"What we will do first is we'll start by doing the investment switch, then we open the pension account.","start":2307.4402,"end":2313.4602,"sentiment":"neutral","sentiment_score":0.09735668078064919},{"text":"We move the money over, and then we give you the letter with the salary sacrifice.","start":2313.84,"end":2318.6602,"sentiment":"neutral","sentiment_score":0.1453381096944213},{"text":"The way I like to work this out is that we'll let you know when the first pension payment is due so you can tell your employer when to start the salary sacrifice.","start":2319.6,"end":2329.065,"sentiment":"neutral","sentiment_score":0.2068377664369164}],"sentiment":"neutral","sentiment_score":0.12428772964336898,"num_words":89,"start":2298.335,"end":2329.065},{"sentences":[{"text":"I never want your salary sacrifice to start prior to your pension payment coming down because otherwise, you end up with a bit of a shortfall.","start":2329.5251,"end":2337.4,"sentiment":"neutral","sentiment_score":-0.3150344341993332},{"text":"So when we know when your first pension payment is due to be drawn down, which replenishes your income, then you can start your salary sacrifice.","start":2338.02,"end":2345.0798,"sentiment":"neutral","sentiment_score":0.05717151210858272},{"text":"Does that make sense?","start":2345.14,"end":2346.2798,"sentiment":"neutral","sentiment_score":0.08914432488381863},{"text":"That's okay.","start":2348.835,"end":2349.635,"sentiment":"neutral","sentiment_score":0.11119964346289635},{"text":"You yeah.","start":2349.635,"end":2351.095,"sentiment":"neutral","sentiment_score":0.03646937198936939}],"sentiment":"neutral","sentiment_score":-0.10087534406532844,"num_words":60,"start":2329.5251,"end":2351.095},{"sentences":[{"text":"Your employer does it.","start":2354.115,"end":2355.395,"sentiment":"neutral","sentiment_score":-0.06694922503083944},{"text":"So you just tell your employer you wanna make x contributions in the super, and they organize that the same as they do with your employer contributions.","start":2355.395,"end":2363.6602,"sentiment":"neutral","sentiment_score":0.06025340973779007},{"text":"It comes out pretax.","start":2363.96,"end":2365.1802,"sentiment":"neutral","sentiment_score":0.024695327505469322},{"text":"In the super or is it salary packaging?","start":2370.6802,"end":2373.5,"sentiment":"neutral","sentiment_score":-0.08029962657019496},{"text":"Yeah.","start":2375.965,"end":2376.365,"sentiment":"neutral","sentiment_score":-0.025260144844651226}],"sentiment":"neutral","sentiment_score":0.017958393532105467,"num_words":44,"start":2354.115,"end":2376.365},{"sentences":[{"text":"So this is a little bit different.","start":2376.365,"end":2377.805,"sentiment":"neutral","sentiment_score":0.019296629620449885},{"text":"So you've got what's called salary sacrificing or salary packaging, which is paying you can use it for rent or use it for paying off a car or a lots of other options.","start":2377.805,"end":2387.665,"sentiment":"neutral","sentiment_score":0.03879076936705546},{"text":"This type of salary sacrifice is where money is taken out of your income pretax and put into super.","start":2388.29,"end":2394.55,"sentiment":"neutral","sentiment_score":0.012060534601148806},{"text":"Yeah.","start":2397.89,"end":2398.39,"sentiment":"neutral","sentiment_score":0.1292048543691635},{"text":"And because and at your marginal tax rate of, say, 30% or, you know, plus the Medicare levy, so 32%, inside super, that extra 20,000 is only ever they only take 15% tax.","start":2399.33,"end":2413.855,"sentiment":"neutral","sentiment_score":0.12001280170498473}],"sentiment":"neutral","sentiment_score":0.061655368435607164,"num_words":93,"start":2376.365,"end":2413.855},{"sentences":[{"text":"So you're essentially putting more money into super.","start":2413.855,"end":2416.515,"sentiment":"neutral","sentiment_score":0.2580874878913164},{"text":"It's taxed at a lower rate in super, and that money stays invested for you.","start":2416.6702,"end":2420.83,"sentiment":"neutral","sentiment_score":0.30486551523208616},{"text":"Does that make sense?","start":2420.83,"end":2421.8901,"sentiment":"neutral","sentiment_score":0.1797781102359295},{"text":"Yeah.","start":2423.9502,"end":2424.4502,"sentiment":"neutral","sentiment_score":0.3068544268608093},{"text":"Yep.","start":2433.885,"end":2434.385,"sentiment":"neutral","sentiment_score":0.2063034474849701}],"sentiment":"neutral","sentiment_score":0.2713776878241835,"num_words":29,"start":2413.855,"end":2434.385},{"sentences":[{"text":"Yeah.","start":2434.445,"end":2434.845,"sentiment":"neutral","sentiment_score":0.21823148429393768},{"text":"Yep.","start":2434.845,"end":2435.345,"sentiment":"neutral","sentiment_score":0.23386430740356445},{"text":"Correct.","start":2436.365,"end":2436.865,"sentiment":"neutral","sentiment_score":0.3269679844379425},{"text":"It's just that it comes from two two different areas.","start":2437.645,"end":2440.145,"sentiment":"neutral","sentiment_score":0.18055833950638772},{"text":"So, essentially, we're putting money into super.","start":2440.845,"end":2444.065,"sentiment":"neutral","sentiment_score":0.2378959379025868}],"sentiment":"neutral","sentiment_score":0.21249593682587148,"num_words":20,"start":2434.445,"end":2444.065},{"sentences":[{"text":"You're taking some out to replenish your income, and your fortnightly yearly income will stay the same.","start":2444.58,"end":2451.8801,"sentiment":"neutral","sentiment_score":0.23614432443590724},{"text":"Yeah.","start":2454.26,"end":2454.76,"sentiment":"neutral","sentiment_score":0.057744402438402176},{"text":"It's a lot.","start":2456.1,"end":2457.0,"sentiment":"neutral","sentiment_score":0.0020714482913414636},{"text":"I know.","start":2457.1401,"end":2457.8,"sentiment":"neutral","sentiment_score":-0.03915764018893242},{"text":"It is a lot.","start":2459.515,"end":2460.395,"sentiment":"neutral","sentiment_score":0.10237581841647625}],"sentiment":"neutral","sentiment_score":0.16331852800040333,"num_words":27,"start":2444.58,"end":2460.395},{"sentences":[{"text":"It is a lot, but it is a really cool strategy.","start":2460.395,"end":2463.035,"sentiment":"neutral","sentiment_score":0.28781135380268097},{"text":"It's a great way to sort of be making sure you're able to put more money into super so you have more invested providing that benefit inside super.","start":2463.035,"end":2470.335,"sentiment":"positive","sentiment_score":0.39389740249940325},{"text":"But at the same time, by making additional contributions to super, your take home pay is affected.","start":2470.635,"end":2476.01,"sentiment":"neutral","sentiment_score":0.017098760122762006},{"text":"And living expenses are a lot at the moment.","start":2476.31,"end":2478.95,"sentiment":"neutral","sentiment_score":0.01557682247625457},{"text":"So this sort of strategy allows you to put money in the super, but also to have some taken out so that your take home pay isn't affected, but you're still able to add more money into your super.","start":2478.95,"end":2489.9102,"sentiment":"neutral","sentiment_score":0.30213763813177746}],"sentiment":"neutral","sentiment_score":0.25393548435889757,"num_words":104,"start":2460.395,"end":2489.9102},{"sentences":[{"text":"Does that make sense?","start":2489.9102,"end":2492.725,"sentiment":"neutral","sentiment_score":0.14365789480507374},{"text":"Yeah.","start":2492.725,"end":2493.225,"sentiment":"neutral","sentiment_score":0.06437909603118896},{"text":"Package.","start":2500.885,"end":2501.385,"sentiment":"neutral","sentiment_score":0.04645822197198868},{"text":"Yep.","start":2501.445,"end":2501.945,"sentiment":"neutral","sentiment_score":0.08963366597890854},{"text":"Yeah.","start":2504.42,"end":2504.8198,"sentiment":"neutral","sentiment_score":0.03127669543027878}],"sentiment":"neutral","sentiment_score":0.10079740732908249,"num_words":8,"start":2489.9102,"end":2504.8198},{"sentences":[{"text":"It is a little bit different.","start":2504.8198,"end":2506.02,"sentiment":"neutral","sentiment_score":-0.048370604713757835},{"text":"The salary packaging is where you're moving money pretax from your income into other areas.","start":2506.02,"end":2512.0999,"sentiment":"neutral","sentiment_score":-0.019184213193754355},{"text":"It could be going on to a debit card for usage elsewhere.","start":2512.0999,"end":2515.14,"sentiment":"neutral","sentiment_score":0.0028896893685062728},{"text":"It could be going into your rent.","start":2515.14,"end":2517.805,"sentiment":"neutral","sentiment_score":-0.017852597470794405},{"text":"I'm not sure where your salary packaging to.","start":2517.865,"end":2520.285,"sentiment":"neutral","sentiment_score":-0.0988306151703}],"sentiment":"neutral","sentiment_score":-0.03039424286301558,"num_words":48,"start":2504.8198,"end":2520.285},{"sentences":[{"text":"That is yeah.","start":2520.7449,"end":2523.4849,"sentiment":"neutral","sentiment_score":0.04257915603617827},{"text":"So you're just you're just doing your rent pretax to cover your rental expenses.","start":2523.545,"end":2527.805,"sentiment":"neutral","sentiment_score":0.08109736761876515},{"text":"Yeah.","start":2528.105,"end":2528.605,"sentiment":"neutral","sentiment_score":0.09457287192344666},{"text":"Yep.","start":2533.3599,"end":2533.8599,"sentiment":"neutral","sentiment_score":0.1434466540813446},{"text":"It's very very similar.","start":2536.5598,"end":2538.64,"sentiment":"neutral","sentiment_score":0.08422495052218437}],"sentiment":"neutral","sentiment_score":0.07991391055933807,"num_words":23,"start":2520.7449,"end":2538.64},{"sentences":[{"text":"So the money goes out of your income pretax and into your super fund and gets invested along with your employer contributions.","start":2538.64,"end":2545.745,"sentiment":"neutral","sentiment_score":0.14285116066986864},{"text":"Mhmm.","start":2553.98,"end":2554.48,"sentiment":"neutral","sentiment_score":0.03716038912534714},{"text":"Yep.","start":2562.6199,"end":2563.1199,"sentiment":"neutral","sentiment_score":0.07069544494152069},{"text":"So sorry.","start":2567.595,"end":2568.315,"sentiment":"neutral","sentiment_score":-0.18778036534786224},{"text":"I think I've lost you a little bit there.","start":2568.315,"end":2569.995,"sentiment":"negative","sentiment_score":-0.38823219471507603}],"sentiment":"neutral","sentiment_score":-0.017687688980783735,"num_words":35,"start":2538.64,"end":2569.995},{"sentences":[{"text":"So the what do you mean by the next day?","start":2569.995,"end":2572.075,"sentiment":"neutral","sentiment_score":-0.05598454438149929},{"text":"Do you mean the money's in soup for the next day or the money's in your bank account the next day?","start":2572.075,"end":2576.155,"sentiment":"neutral","sentiment_score":-0.07062872499227524},{"text":"I'm so sorry.","start":2576.155,"end":2577.0552,"sentiment":"neutral","sentiment_score":-0.044859704871972404},{"text":"Yep.","start":2582.58,"end":2583.08,"sentiment":"neutral","sentiment_score":0.06948994100093842},{"text":"Yep.","start":2583.46,"end":2583.96,"sentiment":"neutral","sentiment_score":0.09110884368419649}],"sentiment":"neutral","sentiment_score":-0.05602858329398765,"num_words":36,"start":2569.995,"end":2583.96},{"sentences":[{"text":"Yes.","start":2584.1,"end":2584.6,"sentiment":"neutral","sentiment_score":0.1460857391357422},{"text":"So the way this works is that your there's often a little bit of a discrepancy around the days.","start":2588.58,"end":2594.3252,"sentiment":"neutral","sentiment_score":-0.04678949674493388},{"text":"The money would be put from your from your from your income pretax into super and at certain points.","start":2594.3252,"end":2602.725,"sentiment":"neutral","sentiment_score":0.018210826735747487},{"text":"So we can set up each week or each fortnight on a certain day.","start":2602.725,"end":2606.33,"sentiment":"neutral","sentiment_score":0.14459908860070364},{"text":"It can coincide with your income with your income from your employer, and we tell your super fund when to make those income payments.","start":2606.33,"end":2614.59,"sentiment":"neutral","sentiment_score":0.11770876714338858}],"sentiment":"neutral","sentiment_score":0.057824528062498416,"num_words":77,"start":2584.1,"end":2614.59},{"sentences":[{"text":"And those income payments go into your bank account, but we can make those work in line with your with your pay week.","start":2614.9702,"end":2620.575,"sentiment":"neutral","sentiment_score":0.1384827980528707},{"text":"Absolutely.","start":2620.575,"end":2621.075,"sentiment":"neutral","sentiment_score":0.30962106585502625},{"text":"Yeah.","start":2623.615,"end":2624.095,"sentiment":"neutral","sentiment_score":0.12269692122936247},{"text":"Yeah.","start":2624.095,"end":2624.595,"sentiment":"neutral","sentiment_score":0.14854687452316284},{"text":"Yep.","start":2625.615,"end":2625.775,"sentiment":"neutral","sentiment_score":0.12660738825798035}],"sentiment":"neutral","sentiment_score":0.14416950389190955,"num_words":27,"start":2614.9702,"end":2625.775},{"sentences":[{"text":"Yep.","start":2625.775,"end":2626.275,"sentiment":"neutral","sentiment_score":0.06361354887485504},{"text":"Yep.","start":2627.375,"end":2627.875,"sentiment":"neutral","sentiment_score":0.14017410576343536},{"text":"Definitely.","start":2628.975,"end":2629.475,"sentiment":"neutral","sentiment_score":0.31322216987609863},{"text":"Yep.","start":2630.415,"end":2630.915,"sentiment":"neutral","sentiment_score":0.16596484184265137},{"text":"Yeah.","start":2635.71,"end":2636.1099,"sentiment":"neutral","sentiment_score":0.25515130162239075}],"sentiment":"neutral","sentiment_score":0.18762519359588622,"num_words":5,"start":2625.775,"end":2636.1099},{"sentences":[{"text":"Absolutely.","start":2636.1099,"end":2636.6099,"sentiment":"positive","sentiment_score":0.3817259669303894},{"text":"See, we're it's about just setting up because it happens in two different areas.","start":2636.99,"end":2640.75,"sentiment":"neutral","sentiment_score":0.17992067709565163},{"text":"The money comes from your income to super happens one day your employer organizes that with your payslip.","start":2640.75,"end":2646.2898,"sentiment":"neutral","sentiment_score":0.13160305553012425},{"text":"The money coming out of super to replenish that is a whole different scenario.","start":2647.115,"end":2650.9749,"sentiment":"neutral","sentiment_score":0.08546130039862224},{"text":"We're setting up two separate transactions.","start":2651.035,"end":2653.135,"sentiment":"neutral","sentiment_score":0.1210986003279686}],"sentiment":"neutral","sentiment_score":0.13570792930868436,"num_words":53,"start":2636.1099,"end":2653.135},{"sentences":[{"text":"One from your employer to your super fund, the other one from your super fund to your bank account.","start":2653.355,"end":2658.895,"sentiment":"neutral","sentiment_score":0.09257240515006215},{"text":"The one from your super fund to your bank account, we can organize to happen on a certain day that suits you.","start":2659.32,"end":2666.06,"sentiment":"neutral","sentiment_score":0.20604737373915585},{"text":"We can happen on a weekly basis.","start":2666.28,"end":2668.12,"sentiment":"neutral","sentiment_score":0.2333822250366211},{"text":"It can happen in line with your income.","start":2668.12,"end":2670.9202,"sentiment":"neutral","sentiment_score":0.2348842117935419},{"text":"So if this week is your pay week, we could make that a start of the same day as your pay week.","start":2670.9202,"end":2676.095,"sentiment":"neutral","sentiment_score":0.26758428663015366}],"sentiment":"neutral","sentiment_score":0.20117335250744453,"num_words":78,"start":2653.355,"end":2676.095},{"sentences":[{"text":"We can have it happen the day before or the day of.","start":2676.095,"end":2678.655,"sentiment":"neutral","sentiment_score":0.2300685979425907},{"text":"That way, it's in there either the day of or the day after, whatever suits you.","start":2678.655,"end":2682.355,"sentiment":"neutral","sentiment_score":0.22611039225012064},{"text":"And it just happens every fortnight, essentially.","start":2682.735,"end":2685.3152,"sentiment":"neutral","sentiment_score":0.1770696916750499},{"text":"We can even do it the opposite way to your pay week if you want.","start":2686.4001,"end":2689.6802,"sentiment":"neutral","sentiment_score":0.1436588096121947},{"text":"So we can set it up however is com comfortable for you.","start":2689.6802,"end":2692.82,"sentiment":"neutral","sentiment_score":0.2842684363325437}],"sentiment":"neutral","sentiment_score":0.21264807537438407,"num_words":62,"start":2676.095,"end":2692.82},{"sentences":[{"text":"Yeah.","start":2698.335,"end":2698.835,"sentiment":"neutral","sentiment_score":0.0846414640545845},{"text":"Yeah.","start":2703.615,"end":2703.935,"sentiment":"neutral","sentiment_score":0.1621454656124115},{"text":"Absolutely.","start":2703.935,"end":2704.435,"sentiment":"neutral","sentiment_score":0.2618369162082672},{"text":"What we sort of also do is we when we set this up, we always set up the pension first and find out when the first drawdown, when the first pension payment is due to you.","start":2704.975,"end":2717.19,"sentiment":"neutral","sentiment_score":0.17045248900022772},{"text":"That way, you receive the first pension payment before you start your salary sacrifice into super.","start":2717.49,"end":2723.27,"sentiment":"neutral","sentiment_score":0.1703982879407704}],"sentiment":"neutral","sentiment_score":0.17038701921701432,"num_words":55,"start":2698.335,"end":2723.27},{"sentences":[{"text":"We do that because if we did it the other way, the salary sacrifice comes out, and then you find you might be left a little bit short because your income's your take home pay isn't being replenished in time.","start":2723.5698,"end":2734.575,"sentiment":"neutral","sentiment_score":-0.00001448310213163495},{"text":"So I like to start it so we start your pension withdrawal first, and then when we know the first payment, then you can let your employer know to start that salary sacrifice payment for you.","start":2734.575,"end":2745.83,"sentiment":"neutral","sentiment_score":0.28881794959306717},{"text":"Does that make sense?","start":2745.83,"end":2746.8901,"sentiment":"neutral","sentiment_score":0.18856791406869888},{"text":"Yeah.","start":2748.87,"end":2749.37,"sentiment":"neutral","sentiment_score":-0.10083740949630736},{"text":"That's okay.","start":2750.31,"end":2751.1301,"sentiment":"negative","sentiment_score":-0.35320447385311127}],"sentiment":"neutral","sentiment_score":0.12462520675105324,"num_words":83,"start":2723.5698,"end":2751.1301},{"sentences":[{"text":"That's okay.","start":2752.31,"end":2753.1301,"sentiment":"neutral","sentiment_score":-0.22525964677333832},{"text":"Yeah.","start":2755.845,"end":2756.325,"sentiment":"neutral","sentiment_score":0.0011296793818473816},{"text":"No.","start":2756.325,"end":2756.725,"sentiment":"neutral","sentiment_score":-0.009329475462436676},{"text":"Definitely.","start":2756.725,"end":2757.205,"sentiment":"neutral","sentiment_score":0.14559882879257202},{"text":"We'll have a look through it.","start":2757.205,"end":2758.325,"sentiment":"neutral","sentiment_score":0.18850397318601608}],"sentiment":"neutral","sentiment_score":0.07435487075285478,"num_words":11,"start":2752.31,"end":2758.325},{"sentences":[{"text":"I mean, the way this works is that, you know, you don't have to pay out as much as what you put in because of the tax side of things.","start":2758.325,"end":2764.2449,"sentiment":"neutral","sentiment_score":0.2316318817436695},{"text":"But when you sort of calculated the 65, sorry, minus the 20,000, it brings you back to $44.09 $1.05, and then you've got your tax there as well.","start":2764.2449,"end":2775.28,"sentiment":"neutral","sentiment_score":0.29226735181042124},{"text":"Ultimately, that means that your net income is 40,072, and then replenishing it with the 13,000.","start":2776.14,"end":2784.265,"sentiment":"neutral","sentiment_score":0.3094843327999115},{"text":"I'm so sorry, Sharon.","start":2794.085,"end":2796.1301,"sentiment":"neutral","sentiment_score":-0.21256882324814796},{"text":"I just had a bit of a coughing fit.","start":2796.35,"end":2798.1301,"sentiment":"negative","sentiment_score":-0.38752908176845974}],"sentiment":"neutral","sentiment_score":0.18099028274588203,"num_words":87,"start":2758.325,"end":2798.1301},{"sentences":[{"text":"Sorry about that.","start":2801.71,"end":2802.6902,"sentiment":"neutral","sentiment_score":-0.17449699838956198},{"text":"I'm so sorry about that.","start":2807.7249,"end":2809.185,"sentiment":"neutral","sentiment_score":-0.18217923641204833},{"text":"I just had a little bit of a coughing bit.","start":2809.325,"end":2811.185,"sentiment":"neutral","sentiment_score":-0.17699303478002548},{"text":"Yeah.","start":2812.605,"end":2812.925,"sentiment":"neutral","sentiment_score":-0.0022394955158233643},{"text":"But, look, there's no there's no if you're not comfortable taking it on, what you don't ever have to It's about showing you ways that we can look to boost the super and also make sure to re replenish your income for you as well.","start":2812.925,"end":2828.37,"sentiment":"neutral","sentiment_score":0.1513356778977646}],"sentiment":"neutral","sentiment_score":0.05630544507585,"num_words":64,"start":2801.71,"end":2828.37},{"sentences":[{"text":"Okay.","start":2828.43,"end":2828.93,"sentiment":"neutral","sentiment_score":0.08226964622735977},{"text":"Yeah.","start":2831.07,"end":2831.57,"sentiment":"neutral","sentiment_score":0.03784431144595146},{"text":"Yeah.","start":2835.0251,"end":2835.5251,"sentiment":"neutral","sentiment_score":0.019063428044319153},{"text":"No.","start":2842.865,"end":2843.365,"sentiment":"neutral","sentiment_score":-0.05009234696626663},{"text":"Absolutely.","start":2844.0652,"end":2844.5652,"sentiment":"neutral","sentiment_score":0.017738107591867447}],"sentiment":"neutral","sentiment_score":0.02136462926864624,"num_words":5,"start":2828.43,"end":2844.5652},{"sentences":[{"text":"Yeah.","start":2846.1,"end":2846.6,"sentiment":"neutral","sentiment_score":0.04662274569272995},{"text":"Yeah.","start":2848.34,"end":2848.84,"sentiment":"neutral","sentiment_score":0.06449524313211441},{"text":"Yeah.","start":2855.86,"end":2856.36,"sentiment":"neutral","sentiment_score":0.16418613493442535},{"text":"Yep.","start":2864.335,"end":2864.835,"sentiment":"neutral","sentiment_score":0.2512994408607483},{"text":"Yeah.","start":2865.055,"end":2865.455,"sentiment":"positive","sentiment_score":0.4189867377281189}],"sentiment":"neutral","sentiment_score":0.18911806046962737,"num_words":5,"start":2846.1,"end":2865.455},{"sentences":[{"text":"Absolutely.","start":2865.455,"end":2865.955,"sentiment":"positive","sentiment_score":0.4993566572666168},{"text":"And we can work with you to make sure that those pension withdrawals are set up on the day, you know, that you need them to be in there, that's not a problem at all.","start":2866.2551,"end":2876.48,"sentiment":"positive","sentiment_score":0.4011903428605625},{"text":"Yep.","start":2881.18,"end":2881.68,"sentiment":"neutral","sentiment_score":0.015763767063617706},{"text":"Yep.","start":2887.085,"end":2887.585,"sentiment":"neutral","sentiment_score":0.05970510467886925},{"text":"Mhmm.","start":2893.165,"end":2893.665,"sentiment":"neutral","sentiment_score":0.05386228859424591}],"sentiment":"positive","sentiment_score":0.3761628158390522,"num_words":39,"start":2865.455,"end":2893.665},{"sentences":[{"text":"Yeah.","start":2898.7,"end":2899.18,"sentiment":"neutral","sentiment_score":0.07112053036689758},{"text":"Yeah.","start":2899.18,"end":2899.66,"sentiment":"neutral","sentiment_score":0.07656167447566986},{"text":"So think of it like two very separate transactions.","start":2899.66,"end":2902.0798,"sentiment":"neutral","sentiment_score":0.06164422631263733},{"text":"It is a little bit different the way it works for salary packaging because when their salary packaging goes out then comes back in when salary sacrifice, your employer when they do your income or your pay, they're going to then increase the amount that they put in the super.","start":2902.14,"end":2917.855,"sentiment":"neutral","sentiment_score":0.03976212881505489},{"text":"So just like they do with your pay and your employer contributions, they'll hold a separate amount aside out of your income, which goes into your super fund up here.","start":2918.475,"end":2927.3,"sentiment":"neutral","sentiment_score":0.14263536830743154}],"sentiment":"neutral","sentiment_score":0.0765895355124395,"num_words":91,"start":2898.7,"end":2927.3},{"sentences":[{"text":"And then we because your take home pay is reduced, we then set up a separate withdrawal from your pension your super pension account, and we withdraw that down to your bank account.","start":2927.6,"end":2940.275,"sentiment":"neutral","sentiment_score":0.08572064498157213},{"text":"And that replenishes your income.","start":2943.375,"end":2945.075,"sentiment":"neutral","sentiment_score":0.06087658926844597},{"text":"Sorry.","start":2945.215,"end":2945.715,"sentiment":"neutral","sentiment_score":-0.06394127756357193},{"text":"Yep.","start":2952.3499,"end":2952.8499,"sentiment":"neutral","sentiment_score":0.04416394233703613},{"text":"Yeah.","start":2955.23,"end":2955.5498,"sentiment":"neutral","sentiment_score":0.07216908037662506}],"sentiment":"neutral","sentiment_score":0.07769648721668779,"num_words":41,"start":2927.6,"end":2955.5498},{"sentences":[{"text":"That's correct.","start":2955.5498,"end":2956.2698,"sentiment":"neutral","sentiment_score":0.12846989184617996},{"text":"Yes.","start":2956.2698,"end":2956.7698,"sentiment":"neutral","sentiment_score":0.10353267937898636},{"text":"That's okay.","start":2962.445,"end":2963.2651,"sentiment":"neutral","sentiment_score":-0.0076233502477407455},{"text":"That's absolutely fine.","start":2963.805,"end":2965.345,"sentiment":"neutral","sentiment_score":0.250695879260699},{"text":"The idea is and you'll see the difference.","start":2965.565,"end":2967.325,"sentiment":"neutral","sentiment_score":0.22179112024605274}],"sentiment":"neutral","sentiment_score":0.17947764764539897,"num_words":16,"start":2955.5498,"end":2967.325},{"sentences":[{"text":"We are we're putting in 20,200 over the course of the year, but we're only withdrawing out $13,004.04 1.","start":2967.325,"end":2974.925,"sentiment":"neutral","sentiment_score":0.1354261887700934},{"text":"So it works because you're putting more money into super from your income, and you're drawing a little bit out of super to keep your take home pay the same.","start":2974.925,"end":2983.3198,"sentiment":"neutral","sentiment_score":0.2505898182590803},{"text":"The amount you take out of super, because you're over 60, is completely tax free.","start":2983.46,"end":2987.88,"sentiment":"neutral","sentiment_score":0.242876997590065},{"text":"Does that make sense?","start":2992.5151,"end":2993.735,"sentiment":"neutral","sentiment_score":0.11131721548736095},{"text":"Yeah.","start":2993.955,"end":2994.455,"sentiment":"neutral","sentiment_score":0.1102691888809204}],"sentiment":"neutral","sentiment_score":0.2070939876679061,"num_words":69,"start":2967.325,"end":2994.455},{"sentences":[{"text":"That's okay.","start":2995.715,"end":2996.615,"sentiment":"neutral","sentiment_score":0.19361767917871475},{"text":"It's a lot to get your head around.","start":2997.155,"end":2998.675,"sentiment":"neutral","sentiment_score":-0.013319630641490221},{"text":"It's absolutely fine.","start":2998.675,"end":3000.055,"sentiment":"neutral","sentiment_score":0.21498999993006387},{"text":"That's okay.","start":3004.92,"end":3005.72,"sentiment":"neutral","sentiment_score":0.16857746243476868},{"text":"That's alright.","start":3005.72,"end":3006.54,"sentiment":"neutral","sentiment_score":0.08934495598077774}],"sentiment":"neutral","sentiment_score":0.08479371469687014,"num_words":17,"start":2995.715,"end":3006.54},{"sentences":[{"text":"You're welcome to ask anything more you have.","start":3006.6,"end":3008.76,"sentiment":"positive","sentiment_score":0.5492482669651508},{"text":"I'm I'm here I've booked you in for lots of time, and and it can be a very complex strategy to do, and it does take us a bit of time to put it together.","start":3008.76,"end":3016.44,"sentiment":"neutral","sentiment_score":0.06846595789705004},{"text":"So, you know, ask any questions you have.","start":3016.44,"end":3019.475,"sentiment":"neutral","sentiment_score":0.15404966287314892},{"text":"Take some time to read it over, and do come back if you do have additional questions there.","start":3019.475,"end":3024.5151,"sentiment":"neutral","sentiment_score":0.14867132695184815},{"text":"Okay?","start":3024.5151,"end":3025.0151,"sentiment":"neutral","sentiment_score":0.07915587723255157}],"sentiment":"neutral","sentiment_score":0.1539704532495567,"num_words":70,"start":3006.6,"end":3025.0151},{"sentences":[{"text":"Yeah.","start":3030.93,"end":3031.25,"sentiment":"neutral","sentiment_score":0.1902603954076767},{"text":"We absolutely can.","start":3031.25,"end":3032.21,"sentiment":"neutral","sentiment_score":0.2991469105084737},{"text":"Did you want one posted to you?","start":3032.21,"end":3034.07,"sentiment":"neutral","sentiment_score":0.08950748241373471},{"text":"No.","start":3036.53,"end":3037.03,"sentiment":"neutral","sentiment_score":-0.11433828622102736},{"text":"Yeah.","start":3037.57,"end":3037.97,"sentiment":"neutral","sentiment_score":-0.03765352442860603}],"sentiment":"neutral","sentiment_score":0.12017397639843133,"num_words":13,"start":3030.93,"end":3037.97},{"sentences":[{"text":"Absolutely.","start":3037.97,"end":3038.47,"sentiment":"neutral","sentiment_score":0.06977859139442444},{"text":"Not a problem.","start":3039.97,"end":3040.87,"sentiment":"neutral","sentiment_score":0.11088923364877701},{"text":"Yeah.","start":3050.555,"end":3050.875,"sentiment":"neutral","sentiment_score":0.12772507965564728},{"text":"I would.","start":3050.875,"end":3051.355,"sentiment":"neutral","sentiment_score":0.12082622945308685},{"text":"Yeah.","start":3051.355,"end":3051.675,"sentiment":"neutral","sentiment_score":0.08097366243600845}],"sentiment":"neutral","sentiment_score":0.10659968666732311,"num_words":8,"start":3037.97,"end":3051.675},{"sentences":[{"text":"So on that page with where you are at the moment, if you scroll down a little bit further for me, down to sorry.","start":3051.675,"end":3059.5999,"sentiment":"neutral","sentiment_score":0.04497155322072407},{"text":"I've got a projection table here for you.","start":3059.5999,"end":3061.7598,"sentiment":"neutral","sentiment_score":0.06892459280788898},{"text":"Down to page number 34.","start":3061.7598,"end":3063.7,"sentiment":"neutral","sentiment_score":0.029860038310289383},{"text":"Yep.","start":3066.24,"end":3066.74,"sentiment":"neutral","sentiment_score":0.0287028681486845},{"text":"Yeah.","start":3079.375,"end":3079.875,"sentiment":"neutral","sentiment_score":0.13857616484165192}],"sentiment":"neutral","sentiment_score":0.049930596007750586,"num_words":39,"start":3051.675,"end":3079.875},{"sentences":[{"text":"Beautiful.","start":3080.655,"end":3081.155,"sentiment":"positive","sentiment_score":0.3958249092102051},{"text":"So this is a fee comparison table.","start":3081.295,"end":3083.1501,"sentiment":"neutral","sentiment_score":0.17262644001415797},{"text":"It's another projection table there.","start":3083.1501,"end":3084.83,"sentiment":"neutral","sentiment_score":0.11043059974908828},{"text":"Just looking at the recommended, you'll see your two net wealth accounts.","start":3084.83,"end":3087.9702,"sentiment":"neutral","sentiment_score":0.11734536786874135},{"text":"You start with having 10,050 sitting in the super side of things, and then your TTR pension has that one thirty four four four one.","start":3088.35,"end":3096.2102,"sentiment":"neutral","sentiment_score":0.12390073597431182}],"sentiment":"neutral","sentiment_score":0.13324051603674888,"num_words":50,"start":3080.655,"end":3096.2102},{"sentences":[{"text":"You'll have the administration fees, investment fees, the ongoing service fee for us looking after everything is distributed across.","start":3096.765,"end":3103.585,"sentiment":"neutral","sentiment_score":0.10398836669168975},{"text":"Your total contributions increased in the super, and then you'll see your pension withdrawal of the $13.04 $5.01 there.","start":3104.2048,"end":3112.8499,"sentiment":"neutral","sentiment_score":0.1871204846783688},{"text":"So your pension withdrawal will come out of that account.","start":3112.8499,"end":3115.91,"sentiment":"neutral","sentiment_score":0.1969308391213417},{"text":"Your contributions go into the super account.","start":3116.21,"end":3118.95,"sentiment":"neutral","sentiment_score":0.26835133135318756},{"text":"And with the the investment changes lowering your risk and being in a balanced portfolio, over the next two to four years, you can see we do end up with a bit more as per the projection below there.","start":3119.49,"end":3132.155,"sentiment":"neutral","sentiment_score":0.31023410306527066}],"sentiment":"neutral","sentiment_score":0.22848899900279146,"num_words":94,"start":3096.765,"end":3132.155},{"sentences":[{"text":"It's below.","start":3136.23,"end":3137.03,"sentiment":"neutral","sentiment_score":0.0661836676299572},{"text":"So below that fee table, you've got the the projection table there with two and four years.","start":3137.03,"end":3142.25,"sentiment":"neutral","sentiment_score":0.10376647947465673},{"text":"Yep.","start":3144.23,"end":3144.73,"sentiment":"neutral","sentiment_score":0.0976005420088768},{"text":"It'll go up to that $1.70.","start":3155.765,"end":3157.7048,"sentiment":"neutral","sentiment_score":0.04577777534723282},{"text":"Yeah.","start":3158.005,"end":3158.505,"sentiment":"neutral","sentiment_score":0.02264503762125969}],"sentiment":"neutral","sentiment_score":0.08486332289046711,"num_words":27,"start":3136.23,"end":3158.505},{"sentences":[{"text":"That's if you don't make any changes.","start":3162.58,"end":3164.5,"sentiment":"neutral","sentiment_score":-0.14227500238588878},{"text":"So that's if you stay in the same super account, don't change the portfolio, don't lower the risk level, you stay in the same portfolio you're in.","start":3164.5,"end":3173.0,"sentiment":"neutral","sentiment_score":0.03040839466093867},{"text":"Obviously, being in a higher risk portfolio, not making any changes there, you can be in a better position.","start":3173.54,"end":3180.9749,"sentiment":"neutral","sentiment_score":0.3189815290664372},{"text":"And the whole thing about this is you're lowering the risk level as well.","start":3181.115,"end":3185.435,"sentiment":"positive","sentiment_score":0.4474009211574282},{"text":"So by doing a strategy, you're able to sort of close that gap a little bit.","start":3185.435,"end":3189.515,"sentiment":"positive","sentiment_score":0.4389780582860112}],"sentiment":"neutral","sentiment_score":0.23100015084562173,"num_words":83,"start":3162.58,"end":3189.515},{"sentences":[{"text":"But by reducing your risk level in the portfolio, taking less risk in your super, you'd we do expect less returns.","start":3189.515,"end":3197.1401,"sentiment":"neutral","sentiment_score":0.20927916715542474},{"text":"So there is gonna be a gap between where you are currently projected to where you might be projected.","start":3197.28,"end":3203.4602,"sentiment":"neutral","sentiment_score":-0.039648317192730154},{"text":"Yeah.","start":3203.9202,"end":3204.4202,"sentiment":"neutral","sentiment_score":0.022622793912887573},{"text":"Yep.","start":3206.365,"end":3206.865,"sentiment":"neutral","sentiment_score":0.04911063611507416},{"text":"Yes.","start":3209.645,"end":3210.145,"sentiment":"neutral","sentiment_score":0.0793791264295578}],"sentiment":"neutral","sentiment_score":0.08820132651301317,"num_words":43,"start":3189.515,"end":3210.145},{"sentences":[{"text":"Yep.","start":3213.005,"end":3213.505,"sentiment":"neutral","sentiment_score":0.14954960346221924},{"text":"Hundred and 70.","start":3216.94,"end":3217.92,"sentiment":"neutral","sentiment_score":0.040728550404310226},{"text":"Yep.","start":3218.3801,"end":3218.86,"sentiment":"neutral","sentiment_score":0.056769005954265594},{"text":"Yep.","start":3218.86,"end":3219.26,"sentiment":"neutral","sentiment_score":0.04154869168996811},{"text":"Or a 197 in four years' time.","start":3219.26,"end":3222.24,"sentiment":"neutral","sentiment_score":0.026123800980193273}],"sentiment":"neutral","sentiment_score":0.04253227378313358,"num_words":13,"start":3213.005,"end":3222.24},{"sentences":[{"text":"It is.","start":3224.3,"end":3225.04,"sentiment":"neutral","sentiment_score":0.027562282979488373},{"text":"Yes.","start":3227.1,"end":3227.6,"sentiment":"neutral","sentiment_score":0.12099795043468475},{"text":"Yep.","start":3231.1948,"end":3231.595,"sentiment":"neutral","sentiment_score":0.12114572525024414},{"text":"Yeah.","start":3231.595,"end":3231.9949,"sentiment":"neutral","sentiment_score":0.17548133432865143},{"text":"Correct.","start":3231.9949,"end":3232.4749,"sentiment":"neutral","sentiment_score":0.2728697955608368}],"sentiment":"neutral","sentiment_score":0.12426989525556564,"num_words":6,"start":3224.3,"end":3232.4749},{"sentences":[{"text":"Yeah.","start":3232.4749,"end":3232.7148,"sentiment":"neutral","sentiment_score":0.23966994881629944},{"text":"So it is closing the gap a little bit, but we're knowingly we do expect lower rates of returns.","start":3232.7148,"end":3238.015,"sentiment":"neutral","sentiment_score":0.12262733555153797},{"text":"And look, the markets could perform much better.","start":3238.2349,"end":3240.555,"sentiment":"positive","sentiment_score":0.5105650015175343},{"text":"You could get a much greater return than that 9.73%.","start":3240.555,"end":3244.24,"sentiment":"positive","sentiment_score":0.616666841506958},{"text":"You could get a 20% return or a 15% return one year.","start":3244.24,"end":3247.52,"sentiment":"positive","sentiment_score":0.6092772086461385}],"sentiment":"positive","sentiment_score":0.40264208510518074,"num_words":50,"start":3232.4749,"end":3247.52},{"sentences":[{"text":"So you could end up with definitely more of this.","start":3247.52,"end":3250.0999,"sentiment":"positive","sentiment_score":0.7121630489826203},{"text":"And with this strategy, we refresh it every year.","start":3250.64,"end":3253.5999,"sentiment":"positive","sentiment_score":0.4101247919930352},{"text":"So we come back and review what you're earning, what your pay, what your income looks like, how your super's been working.","start":3253.5999,"end":3260.545,"sentiment":"neutral","sentiment_score":0.2693762154403058},{"text":"If it doesn't work, we can close it off and roll everything back and go back to looking at other strategies, or we can always do a refresh where we roll everything back to accumulation, start again in the pension, rework your draw downs and what you can put into super, and keep kind of refreshing the strategy so it's working for you each year.","start":3260.845,"end":3280.2,"sentiment":"neutral","sentiment_score":0.17632216398532574},{"text":"Yeah.","start":3282.275,"end":3282.775,"sentiment":"neutral","sentiment_score":0.22033622860908508}],"sentiment":"neutral","sentiment_score":0.2656103480850982,"num_words":107,"start":3247.52,"end":3282.775},{"sentences":[{"text":"Yeah.","start":3286.6748,"end":3287.1548,"sentiment":"neutral","sentiment_score":0.2868669331073761},{"text":"Absolutely.","start":3287.1548,"end":3287.6548,"sentiment":"positive","sentiment_score":0.548766553401947},{"text":"We'll do an interview in a few months' time to see how things are going so far.","start":3288.035,"end":3291.795,"sentiment":"positive","sentiment_score":0.4907105267047882},{"text":"And then, yeah, absolutely.","start":3291.795,"end":3292.9348,"sentiment":"positive","sentiment_score":0.4631852060556412},{"text":"We'll, you know, touch base when you hit that twelve month mark, look at what's changed in your life and how everything's going, and then we can look to refresh the strategy for you.","start":3293.075,"end":3302.0398,"sentiment":"positive","sentiment_score":0.35102009334984946}],"sentiment":"positive","sentiment_score":0.40289713050189774,"num_words":57,"start":3286.6748,"end":3302.0398},{"sentences":[{"text":"Yeah.","start":3302.26,"end":3302.76,"sentiment":"neutral","sentiment_score":0.10410397499799728},{"text":"Yeah.","start":3304.5,"end":3305.0,"sentiment":"neutral","sentiment_score":0.05946461856365204},{"text":"Okay.","start":3306.8198,"end":3307.3198,"sentiment":"neutral","sentiment_score":-0.044518716633319855},{"text":"Yeah.","start":3307.5398,"end":3308.0398,"sentiment":"neutral","sentiment_score":-0.011811157688498495},{"text":"It is.","start":3309.915,"end":3310.655,"sentiment":"neutral","sentiment_score":-0.0028429431840777397}],"sentiment":"neutral","sentiment_score":0.016925472145279247,"num_words":6,"start":3302.26,"end":3310.655},{"sentences":[{"text":"I absolutely understand that it is it is a lot to take in.","start":3310.715,"end":3314.475,"sentiment":"neutral","sentiment_score":-0.11246975454000327},{"text":"It is a very complex strategy to it.","start":3314.475,"end":3316.715,"sentiment":"neutral","sentiment_score":-0.2561584021896124},{"text":"It is really cool because this is not open to people when they're under the age of 60.","start":3316.715,"end":3321.5952,"sentiment":"neutral","sentiment_score":-0.058315434803565346},{"text":"Unfortunately, you've gotta be 60 to be able to access these social strategies.","start":3321.5952,"end":3325.12,"sentiment":"neutral","sentiment_score":-0.20827459543943405},{"text":"But there it is a good way to be able to put more money into sofa.","start":3325.74,"end":3329.1802,"sentiment":"positive","sentiment_score":0.36635021679103374}],"sentiment":"neutral","sentiment_score":-0.02069144301554736,"num_words":68,"start":3310.715,"end":3329.1802},{"sentences":[{"text":"That way, you're providing a greater benefit, having more money invested, but also being able to draw a little bit out of your sofa.","start":3329.1802,"end":3336.24,"sentiment":"positive","sentiment_score":0.4331583393116792},{"text":"So but as as I sort of said before, this is just the recommendations.","start":3336.3,"end":3340.415,"sentiment":"neutral","sentiment_score":0.0809590108692646},{"text":"It is up to you whether you take the recommendations.","start":3341.115,"end":3343.375,"sentiment":"neutral","sentiment_score":0.16471252739429473},{"text":"You do not have to in any way.","start":3343.595,"end":3345.275,"sentiment":"neutral","sentiment_score":0.015040557831525803},{"text":"If you decide you don't wanna take that transition strategy just yet, you wanna maybe hold off and, you know, look at something else, we can absolutely do that.","start":3345.275,"end":3354.23,"sentiment":"neutral","sentiment_score":0.05805245041847229}],"sentiment":"neutral","sentiment_score":0.1762376128750689,"num_words":85,"start":3329.1802,"end":3354.23},{"sentences":[{"text":"You can look at just making contributions if you want to, just doing the investment switch and seeing how things go.","start":3354.37,"end":3360.3901,"sentiment":"neutral","sentiment_score":0.2631173658938635},{"text":"Essentially, the advice document is outlining the recommendations to show you where we can sort of hopefully put you in a better position down the track.","start":3361.09,"end":3369.085,"sentiment":"positive","sentiment_score":0.45427394142517674},{"text":"But at the end of the day, it's just within your comfort level as well, and I don't ever want you to feel like you have to take on the recommendations.","start":3369.545,"end":3375.885,"sentiment":"neutral","sentiment_score":0.015978907625521382},{"text":"You're allowed to say, I'm not quite comfortable yet.","start":3376.105,"end":3378.505,"sentiment":"neutral","sentiment_score":-0.2241864866680569},{"text":"Let's hold off for a few months and come back and revisit that.","start":3378.505,"end":3380.9849,"sentiment":"neutral","sentiment_score":-0.14314846923718086}],"sentiment":"neutral","sentiment_score":0.1395332481712103,"num_words":100,"start":3354.37,"end":3380.9849},{"sentences":[{"text":"And that's absolutely fine.","start":3380.9849,"end":3382.445,"sentiment":"neutral","sentiment_score":0.1606011651456356},{"text":"Yeah.","start":3386.32,"end":3386.82,"sentiment":"neutral","sentiment_score":0.15936875343322754},{"text":"Yeah.","start":3390.6401,"end":3391.1401,"sentiment":"neutral","sentiment_score":0.06193920224905014},{"text":"That's okay.","start":3393.52,"end":3394.4202,"sentiment":"neutral","sentiment_score":0.2199651598930359},{"text":"So what we'll do, on the very last page of the document there, you'll see where it's got your site your name and a little signing box there.","start":3403.115,"end":3410.4,"sentiment":"neutral","sentiment_score":0.12156830568398748}],"sentiment":"neutral","sentiment_score":0.13076543042229283,"num_words":36,"start":3380.9849,"end":3410.4},{"sentences":[{"text":"You've got a little text box.","start":3410.48,"end":3412.0798,"sentiment":"neutral","sentiment_score":0.11657785748442014},{"text":"In there, if there's any sort of a strategy you don't wanna take on board or you wanna hold off on, we just get you to write a little blurb.","start":3412.0798,"end":3418.7998,"sentiment":"neutral","sentiment_score":0.12234196538726488},{"text":"So in if they're in, say, you don't want the the TTR strategy, just say, hold off on the pension strategy or I just want the investment switch.","start":3418.7998,"end":3428.0051,"sentiment":"neutral","sentiment_score":0.11787899490445852},{"text":"And just a little bit of instruction as to what you want us to follow, and that's absolutely fine.","start":3428.465,"end":3433.665,"sentiment":"neutral","sentiment_score":0.30802515698106664},{"text":"We'll follow that direction for you.","start":3433.665,"end":3435.5852,"sentiment":"positive","sentiment_score":0.35333025207122165}],"sentiment":"neutral","sentiment_score":0.1757617692013135,"num_words":89,"start":3410.48,"end":3435.5852},{"sentences":[{"text":"Okay?","start":3435.5852,"end":3436.0852,"sentiment":"neutral","sentiment_score":0.12884126603603363},{"text":"Yeah.","start":3437.2651,"end":3437.7651,"sentiment":"neutral","sentiment_score":0.06736291944980621},{"text":"Yes.","start":3455.955,"end":3456.455,"sentiment":"neutral","sentiment_score":0.20473653078079224},{"text":"Yeah.","start":3460.2751,"end":3460.7751,"sentiment":"neutral","sentiment_score":0.1874898076057434},{"text":"Yeah.","start":3461.395,"end":3461.635,"sentiment":"neutral","sentiment_score":0.1928699016571045}],"sentiment":"neutral","sentiment_score":0.156260085105896,"num_words":5,"start":3435.5852,"end":3461.635},{"sentences":[{"text":"Yeah.","start":3461.635,"end":3461.7952,"sentiment":"neutral","sentiment_score":0.2065158635377884},{"text":"So it's about making the changes to the investment profile.","start":3461.7952,"end":3465.15,"sentiment":"neutral","sentiment_score":0.30492838770151137},{"text":"It's reducing the risk level that you're taking and also, you know, making putting you in a better performing investments and lowering the risk, trying to sort of make it so you don't feel those ups and downs as drastically and try to get long term consistent returns as well.","start":3465.15,"end":3480.835,"sentiment":"neutral","sentiment_score":0.309837603867054},{"text":"But, yeah, the pension strategy is also about trying to increase your contributions in the super because markets will work and can only work so far.","start":3481.2148,"end":3489.4548,"sentiment":"positive","sentiment_score":0.42833687135806453},{"text":"Contributions go a long way to assisting that, and this sort of allows you to make contributions without having to affect your take home pay.","start":3489.4548,"end":3498.3398,"sentiment":"positive","sentiment_score":0.4452959930896759}],"sentiment":"positive","sentiment_score":0.3662217715755105,"num_words":112,"start":3461.635,"end":3498.3398},{"sentences":[{"text":"But it's not something that everyone talks about, and it's something that sometimes people are a little bit hesitant about.","start":3498.3398,"end":3504.02,"sentiment":"neutral","sentiment_score":0.00550429243594408},{"text":"And if you just decide to hold off on that side of things, that's okay.","start":3504.02,"end":3507.365,"sentiment":"neutral","sentiment_score":0.030905161798000336},{"text":"You can tell me to call back in a month or two or three, and we revisit that.","start":3507.365,"end":3510.7249,"sentiment":"neutral","sentiment_score":0.16481404213441742},{"text":"I can do this again in a few months time for you.","start":3510.7249,"end":3512.805,"sentiment":"neutral","sentiment_score":0.2734138456483682},{"text":"It's not a problem at all.","start":3512.805,"end":3514.085,"sentiment":"positive","sentiment_score":0.3914120097955068}],"sentiment":"neutral","sentiment_score":0.12915146817833606,"num_words":71,"start":3498.3398,"end":3514.085},{"sentences":[{"text":"Okay?","start":3514.085,"end":3514.585,"sentiment":"neutral","sentiment_score":0.16744491457939148},{"text":"Yeah.","start":3516.005,"end":3516.505,"sentiment":"neutral","sentiment_score":0.006066545844078064},{"text":"Just on the the very last page.","start":3520.1,"end":3522.5,"sentiment":"neutral","sentiment_score":-0.017817950009235313},{"text":"So the page number, just so you've got it there, is page number 48, and you should see a text box there.","start":3522.5,"end":3530.04,"sentiment":"neutral","sentiment_score":0.03163552284240723},{"text":"Does it have a little text box at all?","start":3533.795,"end":3535.815,"sentiment":"neutral","sentiment_score":0.006414177517096202}],"sentiment":"neutral","sentiment_score":0.02006237276364118,"num_words":40,"start":3514.085,"end":3535.815},{"sentences":[{"text":"Yep.","start":3539.715,"end":3540.215,"sentiment":"neutral","sentiment_score":0.032015010714530945},{"text":"Yeah.","start":3540.835,"end":3541.155,"sentiment":"neutral","sentiment_score":0.046754032373428345},{"text":"That's the one.","start":3541.155,"end":3541.875,"sentiment":"neutral","sentiment_score":0.0380869023501873},{"text":"Yeah.","start":3541.875,"end":3542.195,"sentiment":"neutral","sentiment_score":0.03453154116868973},{"text":"So you'll just write a little blurb in there just saying, you know, something that you do or don't want.","start":3542.195,"end":3546.7,"sentiment":"neutral","sentiment_score":-0.01905430285260081}],"sentiment":"neutral","sentiment_score":-0.005904798682492513,"num_words":26,"start":3539.715,"end":3546.7},{"sentences":[{"text":"Yep.","start":3548.52,"end":3548.92,"sentiment":"neutral","sentiment_score":0.08209957182407379},{"text":"Yep.","start":3548.92,"end":3549.4,"sentiment":"neutral","sentiment_score":0.10370703786611556},{"text":"And if you get stuck, just give us a call.","start":3549.4,"end":3551.16,"sentiment":"neutral","sentiment_score":0.12571262642741204},{"text":"We can certainly help you along, but it's not a problem at all.","start":3551.16,"end":3554.04,"sentiment":"neutral","sentiment_score":0.29762512273513353},{"text":"Okay?","start":3554.04,"end":3554.54,"sentiment":"neutral","sentiment_score":0.10070164501667024}],"sentiment":"neutral","sentiment_score":0.20818311978991216,"num_words":26,"start":3548.52,"end":3554.54},{"sentences":[{"text":"All good.","start":3556.44,"end":3557.26,"sentiment":"neutral","sentiment_score":0.27220694720745087},{"text":"As part of no.","start":3558.04,"end":3560.055,"sentiment":"neutral","sentiment_score":-0.10261932574212551},{"text":"Please don't.","start":3560.435,"end":3561.635,"sentiment":"neutral","sentiment_score":-0.09634650126099586},{"text":"It's absolutely fine, Sharon.","start":3561.635,"end":3563.155,"sentiment":"neutral","sentiment_score":0.25838983431458473},{"text":"As I said, this isn't stuff that everyone is aware of, and these sorts of strategies is why us as advisers come up with these sorts of things to sort of help you along because it's not something everyone's aware of.","start":3563.155,"end":3572.91,"sentiment":"neutral","sentiment_score":0.23313600824373523}],"sentiment":"neutral","sentiment_score":0.1987430049844508,"num_words":53,"start":3556.44,"end":3572.91},{"sentences":[{"text":"So we like to kind of put the options out there and show you how this works.","start":3573.39,"end":3577.01,"sentiment":"positive","sentiment_score":0.48192718800376444},{"text":"And if you're comfortable taking it, absolutely.","start":3577.15,"end":3579.25,"sentiment":"positive","sentiment_score":0.39237970965249197},{"text":"If you're not, don't worry.","start":3579.39,"end":3580.91,"sentiment":"neutral","sentiment_score":0.1497280240058899},{"text":"Please don't ever apologize.","start":3580.91,"end":3582.13,"sentiment":"neutral","sentiment_score":0.03233847767114639},{"text":"It's absolutely fine.","start":3582.27,"end":3583.23,"sentiment":"positive","sentiment_score":0.450401504834493}],"sentiment":"positive","sentiment_score":0.36579496413469315,"num_words":36,"start":3573.39,"end":3583.23},{"sentences":[{"text":"I can come back and do this again.","start":3583.23,"end":3584.67,"sentiment":"positive","sentiment_score":0.6390055269002914},{"text":"I actually really enjoyed doing putting these things together for you.","start":3584.67,"end":3587.47,"sentiment":"positive","sentiment_score":0.8007152026349847},{"text":"So I'm more than happy to go back and revisit it, look at it again.","start":3587.47,"end":3590.695,"sentiment":"positive","sentiment_score":0.6891578714052836},{"text":"We can just, you know, make some small changes now then come back and do your review in a few months' time and then, you know, look at what changes we can make then or what you're comfortable looking at or what's changed in your life.","start":3590.695,"end":3601.575,"sentiment":"positive","sentiment_score":0.48161986664585443},{"text":"Or if you just decide to make, you know, you wanna maybe make some additional contributions, we can do that as well.","start":3601.575,"end":3607.23,"sentiment":"positive","sentiment_score":0.39799400757659564}],"sentiment":"positive","sentiment_score":0.5408594269378513,"num_words":102,"start":3583.23,"end":3607.23},{"sentences":[{"text":"There's lots of different ways to sort of boost your super and lots of different things that we can do there for you.","start":3607.45,"end":3613.63,"sentiment":"positive","sentiment_score":0.5925714023735212},{"text":"Okay?","start":3613.69,"end":3614.19,"sentiment":"neutral","sentiment_score":0.2611544728279114},{"text":"Well, it is the best way to go because you're putting more money in the super, but you're also taking some out to replenish your income If you decide to not do the the pension account side of things and just make additional contributions, that's absolutely fine, but it does reduce your take home pay.","start":3620.3452,"end":3636.76,"sentiment":"neutral","sentiment_score":0.23985251228917728},{"text":"So these TTR strategies are the best way to go because you are keeping your take home pay the same, reducing your income tax, and also making more the super.","start":3636.76,"end":3647.035,"sentiment":"positive","sentiment_score":0.38674635887145997},{"text":"But it's not always something someone's comfortable doing, and that's that's okay.","start":3647.035,"end":3650.895,"sentiment":"neutral","sentiment_score":0.03604509929815928}],"sentiment":"neutral","sentiment_score":0.3232819575293005,"num_words":121,"start":3607.45,"end":3650.895},{"sentences":[{"text":"Yeah.","start":3651.035,"end":3651.535,"sentiment":"neutral","sentiment_score":0.07963372021913528},{"text":"Yeah.","start":3653.275,"end":3653.775,"sentiment":"neutral","sentiment_score":0.048864319920539856},{"text":"It's okay.","start":3654.6,"end":3656.9001,"sentiment":"neutral","sentiment_score":0.015078569762408735},{"text":"No.","start":3658.2002,"end":3658.4402,"sentiment":"neutral","sentiment_score":-0.09757110476493835},{"text":"You're fine.","start":3658.4402,"end":3659.1802,"sentiment":"neutral","sentiment_score":-0.04318634420633316}],"sentiment":"neutral","sentiment_score":-0.003612659073301724,"num_words":7,"start":3651.035,"end":3659.1802},{"sentences":[{"text":"Yeah.","start":3659.8801,"end":3660.3801,"sentiment":"neutral","sentiment_score":-0.03515417128801346},{"text":"Yeah.","start":3666.535,"end":3667.035,"sentiment":"neutral","sentiment_score":-0.046096473932266235},{"text":"Yep.","start":3671.735,"end":3672.055,"sentiment":"neutral","sentiment_score":-0.016040202230215073},{"text":"That's okay.","start":3672.055,"end":3672.875,"sentiment":"neutral","sentiment_score":0.15659835934638977},{"text":"And and as I said before, like, we will not do it.","start":3673.015,"end":3675.895,"sentiment":"neutral","sentiment_score":-0.07881107305486997}],"sentiment":"neutral","sentiment_score":-0.04293100031859735,"num_words":17,"start":3659.8801,"end":3675.895},{"sentences":[{"text":"We won't send the salary sacrifice letter until that pension account is set up, until we have your first pension payment drawn down.","start":3675.895,"end":3682.82,"sentiment":"neutral","sentiment_score":-0.03348836043606634},{"text":"That way, you've got that as a backup.","start":3683.04,"end":3684.6401,"sentiment":"neutral","sentiment_score":0.17313545010983944},{"text":"We know the first payment's worth.","start":3684.6401,"end":3686.1602,"sentiment":"neutral","sentiment_score":0.09742388688027859},{"text":"It's in your bank account, and then we can set that salary sacrifice option up and have that money moved into super for you.","start":3686.1602,"end":3694.4001,"sentiment":"neutral","sentiment_score":0.10603138664737344},{"text":"Yeah.","start":3694.4001,"end":3694.9001,"sentiment":"neutral","sentiment_score":0.09666241705417632}],"sentiment":"neutral","sentiment_score":0.06194855368906452,"num_words":62,"start":3675.895,"end":3694.9001},{"sentences":[{"text":"Yeah.","start":3695.535,"end":3696.035,"sentiment":"neutral","sentiment_score":0.03601989150047302},{"text":"Okay.","start":3696.9749,"end":3697.4749,"sentiment":"neutral","sentiment_score":-0.06163700670003891},{"text":"No.","start":3698.1748,"end":3698.4949,"sentiment":"neutral","sentiment_score":0.09074484556913376},{"text":"You're absolutely fine.","start":3698.4949,"end":3699.615,"sentiment":"positive","sentiment_score":0.3890881935755412},{"text":"It's not a problem at all.","start":3699.615,"end":3700.7349,"sentiment":"positive","sentiment_score":0.5573793947696686}],"sentiment":"positive","sentiment_score":0.3813890566428502,"num_words":12,"start":3695.535,"end":3700.7349},{"sentences":[{"text":"I will also let you know after those recommendations.","start":3700.7349,"end":3703.7148,"sentiment":"positive","sentiment_score":0.3689421746465895},{"text":"We've also made recommendations on your beneficiaries.","start":3703.9348,"end":3707.315,"sentiment":"neutral","sentiment_score":0.25460268344197956},{"text":"So you wanted your adult children, but we sort of talked about the tax consequences there.","start":3707.615,"end":3712.64,"sentiment":"neutral","sentiment_score":0.10729252058081329},{"text":"So money from super and from your life insurance proceeds that are paid to nontax dependent, it does mean they have to do they do have to pay tax there.","start":3712.64,"end":3721.22,"sentiment":"neutral","sentiment_score":0.1567069006462892},{"text":"So I am making recommendation that you owe to the beneficiary to be your legal personal representative.","start":3722.395,"end":3727.2952,"sentiment":"neutral","sentiment_score":0.2829657232060152}],"sentiment":"neutral","sentiment_score":0.20672155695059632,"num_words":79,"start":3700.7349,"end":3727.2952},{"sentences":[{"text":"That essentially means that in the event of you passing, that the super annual life proceeds are paid to your estate, and then you just need to make sure you have a will drawn up so that it is directed to your kids.","start":3727.5952,"end":3741.22,"sentiment":"neutral","sentiment_score":0.31768238267233206},{"text":"And that way, you can actually it does reduce the amount of tax they do pay.","start":3742.0,"end":3745.6802,"sentiment":"positive","sentiment_score":0.5289901494979858},{"text":"So it just saves them a little bit of extra tax, meaning they can get a bit more out of them out of it.","start":3745.6802,"end":3751.455,"sentiment":"positive","sentiment_score":0.5115732997655869},{"text":"And you will you have a lot more say in where that money is directed and how it's directed to them.","start":3751.855,"end":3757.235,"sentiment":"positive","sentiment_score":0.40817550250462126},{"text":"Yep.","start":3764.3499,"end":3764.8499,"sentiment":"neutral","sentiment_score":0.16523852944374084}],"sentiment":"positive","sentiment_score":0.4108463630789802,"num_words":105,"start":3727.5952,"end":3764.8499},{"sentences":[{"text":"And we'll alter the beneficiaries here to be put towards your will.","start":3765.15,"end":3768.8499,"sentiment":"neutral","sentiment_score":0.13479525471727052},{"text":"Yep.","start":3774.43,"end":3774.93,"sentiment":"neutral","sentiment_score":0.04431045055389404},{"text":"So you wanted your life insurance proceeds and your super left to your adult children?","start":3783.245,"end":3788.0652,"sentiment":"neutral","sentiment_score":-0.0018166872362295786},{"text":"Yep.","start":3789.74,"end":3789.98,"sentiment":"neutral","sentiment_score":0.06707391887903214},{"text":"So, essentially, what we would do is we'll update the beneficiary nomination.","start":3789.98,"end":3793.42,"sentiment":"neutral","sentiment_score":0.12688697998722395}],"sentiment":"neutral","sentiment_score":0.0786419726181321,"num_words":41,"start":3765.15,"end":3793.42},{"sentences":[{"text":"So they say LPR on your super and your life insurance.","start":3793.42,"end":3796.96,"sentiment":"neutral","sentiment_score":0.09733720326965506},{"text":"And if in the event you would have passed away, you just gotta make sure you have a valid will.","start":3798.14,"end":3802.4,"sentiment":"neutral","sentiment_score":0.03669695984572172},{"text":"And as part of that will, you just need to make sure in the will and just you can speak to a solicitor.","start":3802.965,"end":3808.0051,"sentiment":"neutral","sentiment_score":0.05142447935498279},{"text":"They can draw up a will.","start":3808.0051,"end":3809.0452,"sentiment":"neutral","sentiment_score":0.053936751248935856},{"text":"We can provide you with some details on a local solicitor, or you can get a free will kit done up.","start":3809.0452,"end":3814.5652,"sentiment":"neutral","sentiment_score":0.25825182100137073}],"sentiment":"neutral","sentiment_score":0.10783111366132896,"num_words":81,"start":3793.42,"end":3814.5652},{"sentences":[{"text":"You just go to the post office and buy a will kit.","start":3814.5652,"end":3817.0652,"sentiment":"neutral","sentiment_score":0.2218026320139567},{"text":"There are often a point where some of the banks and other finance institutions will let you know they're doing free will kits as well.","start":3817.98,"end":3824.96,"sentiment":"neutral","sentiment_score":0.252478643655777},{"text":"But just having a will drawn up and in the body of the will, making sure it does stipulate that your super and life proceeds are be to be directed across and where you want those to be directed to.","start":3825.26,"end":3831.75,"sentiment":"neutral","sentiment_score":0.18610225841403008},{"text":"So, to.","start":3831.75,"end":3833.255,"sentiment":"neutral","sentiment_score":0.13208403065800667},{"text":"So, essentially, in the event you were to pass away, your super and your life insurance money is sent to your estate.","start":3835.9548,"end":3844.055,"sentiment":"neutral","sentiment_score":0.11648290367289023}],"sentiment":"neutral","sentiment_score":0.19053940548755155,"num_words":101,"start":3814.5652,"end":3844.055},{"sentences":[{"text":"All your other assets are sold off or accumulated.","start":3844.6748,"end":3847.575,"sentiment":"neutral","sentiment_score":0.08743694755766127},{"text":"Everything is pulled together, and then it's directed out to your kids as per the direction in your will.","start":3848.035,"end":3855.18,"sentiment":"neutral","sentiment_score":0.24726255787046333},{"text":"Does that make sense?","start":3855.18,"end":3856.24,"sentiment":"neutral","sentiment_score":0.15105090290308},{"text":"Legal personal representative.","start":3860.7,"end":3862.0798,"sentiment":"neutral","sentiment_score":-0.013286890462040901},{"text":"It stands for it's LPR, stands for legal personal representative.","start":3862.3,"end":3866.115,"sentiment":"neutral","sentiment_score":0.01109628826379776}],"sentiment":"neutral","sentiment_score":0.13689393223159843,"num_words":45,"start":3844.6748,"end":3866.115},{"sentences":[{"text":"It's a funny word for your estate.","start":3866.1748,"end":3868.355,"sentiment":"neutral","sentiment_score":0.009711030338491713},{"text":"Yep.","start":3872.1748,"end":3872.6748,"sentiment":"neutral","sentiment_score":0.007437768392264843},{"text":"Yeah.","start":3873.055,"end":3873.295,"sentiment":"neutral","sentiment_score":0.02378140762448311},{"text":"It'll all get pulled in with that and then in your will.","start":3873.295,"end":3876.575,"sentiment":"neutral","sentiment_score":0.047580297415455185},{"text":"So do you have a will at the moment?","start":3876.575,"end":3878.355,"sentiment":"neutral","sentiment_score":-0.0018473654571506712}],"sentiment":"neutral","sentiment_score":0.021784455608576538,"num_words":30,"start":3866.1748,"end":3878.355},{"sentences":[{"text":"Yeah.","start":3881.5798,"end":3881.82,"sentiment":"neutral","sentiment_score":-0.0033883359283208847},{"text":"Yeah.","start":3881.82,"end":3882.14,"sentiment":"neutral","sentiment_score":0.0068435706198215485},{"text":"So in the body of your will, when you speak to a solicitor, they'll talk about, you know, what happens to your life proceeds, what happens to your super, what happens to your cars or your jewelry, things like that.","start":3882.14,"end":3892.64,"sentiment":"neutral","sentiment_score":0.01905103074386716},{"text":"And that oldest gets nominated in your will, but it is really important to have done that up.","start":3893.2349,"end":3897.9749,"sentiment":"neutral","sentiment_score":0.149784152292543},{"text":"And having your beneficiary structured this way, because with the way your kids are, they're adults at the moment, and they're basically, if they were to receive the proceeds direct from your super and your life insurance proceeds, they do pay tax on that.","start":3898.4348,"end":3912.29,"sentiment":"neutral","sentiment_score":0.2092124569991773}],"sentiment":"neutral","sentiment_score":0.12179768570842078,"num_words":104,"start":3881.5798,"end":3912.29},{"sentences":[{"text":"Essentially, the tax is up to 17%.","start":3912.29,"end":3915.03,"sentiment":"neutral","sentiment_score":0.04401494136878422},{"text":"So having it directed through your will just reduces the amount of tax they have to pay on those those funds, meaning they can get a bit more out of it for you.","start":3915.65,"end":3923.2349,"sentiment":"positive","sentiment_score":0.43336763526454114},{"text":"Does that make sense?","start":3923.2349,"end":3924.375,"sentiment":"neutral","sentiment_score":0.06826245225965977},{"text":"Yeah.","start":3924.6748,"end":3925.1748,"sentiment":"neutral","sentiment_score":0.1375172883272171},{"text":"All good.","start":3926.755,"end":3927.4949,"sentiment":"neutral","sentiment_score":0.3173026740550995}],"sentiment":"neutral","sentiment_score":0.3330725318890937,"num_words":47,"start":3912.29,"end":3927.4949},{"sentences":[{"text":"Oh, that's okay.","start":3930.115,"end":3931.255,"sentiment":"neutral","sentiment_score":-0.11653631925582886},{"text":"That's alright.","start":3931.875,"end":3932.595,"sentiment":"neutral","sentiment_score":-0.020265160128474236},{"text":"We can send out if you like, I can organize it'll probably be tomorrow if it's okay, But I can send out a I can send out an email to you, which has some information on a local solicitor that we can refer you through to, but it costing just for you to have a look at, and then feel free to have a look at some other solicitors as well.","start":3932.595,"end":3950.62,"sentiment":"neutral","sentiment_score":0.06697809008855216},{"text":"Oh, perfect.","start":3955.0051,"end":3955.825,"sentiment":"positive","sentiment_score":0.36588791012763977},{"text":"Yeah.","start":3956.125,"end":3956.625,"sentiment":"neutral","sentiment_score":0.190421462059021}],"sentiment":"neutral","sentiment_score":0.06693041013388694,"num_words":79,"start":3930.115,"end":3956.625},{"sentences":[{"text":"Yeah.","start":3963.66,"end":3963.9,"sentiment":"neutral","sentiment_score":0.054299648851156235},{"text":"No.","start":3963.9,"end":3964.22,"sentiment":"neutral","sentiment_score":0.07895031571388245},{"text":"Perfect.","start":3964.22,"end":3964.7,"sentiment":"neutral","sentiment_score":0.30632466077804565},{"text":"That is absolutely perfect.","start":3964.7,"end":3966.24,"sentiment":"positive","sentiment_score":0.43490585684776306},{"text":"But, look, what I'll get you to do take some time to read through this.","start":3966.7,"end":3970.14,"sentiment":"neutral","sentiment_score":0.11634807040294011}],"sentiment":"neutral","sentiment_score":0.1783826867626472,"num_words":22,"start":3963.66,"end":3970.14},{"sentences":[{"text":"I'll get someone to print a copy and email it and so I post it out to you as well.","start":3970.14,"end":3974.4,"sentiment":"neutral","sentiment_score":0.1427086777985096},{"text":"You're welcome to take some time to read it over.","start":3974.94,"end":3977.02,"sentiment":"neutral","sentiment_score":0.2705309256911278},{"text":"It's got the advantages, the disadvantages, a bit more detail around how those strategies work.","start":3977.02,"end":3982.635,"sentiment":"neutral","sentiment_score":0.09702885864923398},{"text":"Have a read through them.","start":3982.635,"end":3983.675,"sentiment":"neutral","sentiment_score":0.10496864467859268},{"text":"Let me know if you do have additional questions, and we can always come back and have another conversation prior to you taking on any of the advice.","start":3983.675,"end":3991.135,"sentiment":"neutral","sentiment_score":0.06934662416045155}],"sentiment":"neutral","sentiment_score":0.12155723580135366,"num_words":78,"start":3970.14,"end":3991.135},{"sentences":[{"text":"Okay?","start":3991.275,"end":3991.775,"sentiment":"neutral","sentiment_score":0.05272138863801956},{"text":"Oh, good.","start":3993.59,"end":3994.4102,"sentiment":"neutral","sentiment_score":-0.10547368694096804},{"text":"That's okay.","start":3995.11,"end":3995.93,"sentiment":"neutral","sentiment_score":0.23120208829641342},{"text":"No worries.","start":3996.71,"end":3997.53,"sentiment":"neutral","sentiment_score":0.1943027451634407},{"text":"Oh, that's okay, Sharon.","start":3998.31,"end":3999.9102,"sentiment":"positive","sentiment_score":0.37237808108329773}],"sentiment":"neutral","sentiment_score":0.1983905460008166,"num_words":11,"start":3991.275,"end":3999.9102},{"sentences":[{"text":"I'm here for you.","start":3999.9102,"end":4000.55,"sentiment":"positive","sentiment_score":0.4845951497554779},{"text":"It's not a problem at all.","start":4000.55,"end":4002.25,"sentiment":"positive","sentiment_score":0.5012368758519491},{"text":"You too.","start":4004.935,"end":4005.415,"sentiment":"positive","sentiment_score":0.4061792641878128},{"text":"Thanks, Sharon.","start":4005.415,"end":4006.055,"sentiment":"positive","sentiment_score":0.5285829901695251},{"text":"Talk to you soon.","start":4006.055,"end":4006.775,"sentiment":"positive","sentiment_score":0.41080307960510254}],"sentiment":"positive","sentiment_score":0.46991881562603843,"num_words":18,"start":3999.9102,"end":4006.775},{"sentences":[{"text":"See you later.","start":4006.775,"end":4007.595,"sentiment":"neutral","sentiment_score":0.29434553782145184},{"text":"Bye.","start":4008.855,"end":4009.355,"sentiment":"neutral","sentiment_score":0.011792236007750034}],"sentiment":"neutral","sentiment_score":0.22370721236802638,"num_words":4,"start":4006.775,"end":4009.355}]}}]},{"alternatives":[{"transcript":"Hello. Sharon speaking. I'm very well. Thank you. How are you? Yeah. That's fine. That's fine. Yeah. Very busy. Very busy. I work in aged care, so, yeah, very busy. I haven't. No. Oh, hang on. Yes. Just bear with me. I might be able to. Have you sent it through? Yeah. Sure. Yep. Sharon Joy Carey. Second of the third nineteen 60 three. No. It's up. It's up. It's good. Yeah. It's all up. It's all good. Yep. Yes. Yes. Yes. Yes. Yes. Mhmm. Yep. Right. Okay. Now where was where did you say that was? Retime number five. Yep. Yep. Right. Okay. Yep. Yep. Hang on. Eight. 18. 18. Eight oh, probably. Page oh, I'm 26. 25. I've got it up on my phone. So but 21201918. Okay. I've got that up. Yep. Okay. So it's actually working it's working to last potential contracting. Is that what you're saying? Yes. Yes. Right. Right. So where was that? Where was that? One, two. Van Gogh. Oh, yes. I can I can see that? Yep. Yes. Yep. Mhmm. Yeah. I think so. Yeah. It does. Yeah. Oh, it is a lot for me, believe me, for my brain. Yeah. Yes. Mhmm. Yep. When you say risk when you say risk level of losing out, you mean? Is that what you mean? Yes. Right. Mhmm. Yes. Yes. Yes. Yeah. It comes. Yep. Yep. Yeah. Right. Yeah. Yeah. Yes. Yeah. Right. Okay. Yep. Yeah. It does. Yeah. Yeah. Yeah. Not that I can really so how much like, when I like, at 65 or 67, whatever age it's gonna be, how much would I will I end you can't well, you tell me how much will I end up having in my super. Yeah. I've got it here. Yeah. Mhmm. Well, it's my time. Yes. Yes. Right. Yeah. Yeah. Yeah. Mhmm. It does. Yep. Yes. Yep. Right. Right. Yeah. It does. Yeah. I don't think so. What I was going to ask, so if I get paid a super, do I, like I want to get do I get paid a pension as well because I have a debt for this is all my assets? Or what happens how does it go? Yeah. Yeah. When I'm due for that. So how does it all is that a stupid question? Is it is it Yeah. Kind yeah. Sort of. Yeah. So I I wouldn't get I'd only get part what would I get? Part pension and part soup. Is that how it works or what? Yes. Yep. Yep. So did you say I that my super is 100 and 145. Then what did you what else did you say my other Yes. Oh, so your conscience insurance in your house. Unfortunately, no. I'm not in that. I don't know whether it's good or good or bad trying to home these days. I don't know. But yeah. I know. Mhmm. Oh, yeah. Yes. Yes. I come way under that, don't I? Yep. And and like that like, when you're drawing that little bit out all the time, it's it's it's it still makes the super that's in there work, doesn't it? It's still working. Like, because you're drawing because you're drawing on it, you're still not gonna get as big returns, but you could still get you still get returns on it. Don't you? So that's kinda working in my favor. Yeah. Right. Okay. Oh, you know you know what? I'm sorry. I don't know. Wish I had a known about twenty years ago when I was set up there. I was like, oh, I just I wish I had a known. I would have been so much better off set up, but I just can't help certain I can't help circumstances. But I don't know. Kind of, you know, I've trying to work this. You know? I've done my best, but I I would have liked to have been in a different position and owned a home. But, obviously, my things will work out that way. But I know I'm doing my best, and I know. I'm just so pleased. Yeah. That's so happy. Yes. Yep. Yep. Twenty twenty six twenty five Twenty. And I've lost 25 amongst it. Have I? No. I haven't. No. Here we go. Oh, I've got it. I've found it. Have I found it or not? Here we are. I've got it. Yeah. That's it. That's it. I've got it. Yep. Yep. Yep. Yes. Mhmm. Mhmm. No. My pays really don't change at all because I there's quite a few of us at work that just do day shift. I don't do afternoon or night shift or just do day shift. I've been there that long, but, yeah, we've got our shifts and that's it. Yeah. Yes. Yes. Yes. Yes. Yep. Yes. On '20 on where was that? On oh, yes. Yes. Yeah. Oh, you've lost me. Yes. Right. Okay. But does does this does this play around with my pay like, my pay slip and stuff? Or Okay. So when so when does this start? Yeah. Come here. So salary sacrifice is that a step do you salary sacrifice yourself? No. Yes. I'm already salary sacrificing. Salary packaging. Oh, okay. Yeah. It does. Yep. So I still take home so at the end of at just at the every fortnight, when I get my pay, I still take home the same amount. Right. Okay. I think I'm it is a lot to take on. Yeah. Yes. Yeah. It does. So at the moment, I I know what I saw. I sacrificed 600 and something. I saw a sacrifice, a salary package. That's what this is. This is what this is. Yeah. Yeah. It goes on my rent. Yeah. Yeah. My own list. And the salary what you're doing, is that is that the same? And so when it does that, like, when it's salary sacrifice out of it, it I mean, because when I salary sacrifice now, like, it goes back in. It goes out. Like, I get my pay slip, but it's in there the next day. The salary sacrifice is in there the next day. The salary is that package is that what'll happen? The money's back in my money's in they sell so they salary package it, salary sacrifice it, take it out, and then it's back in there the next day. You can. So, like, once a fortnight when I get paid, you can make that work. Like, I think this this week's pay week. So on the Thursday, that could potentially go back in there on on that in that account on the Thursday. Yeah. That's what, like, me that's what I prefer for it to be done on the Thursday that I get I get my salary sacrifice back in. Do you know what I mean? It does. I'm just a little bit worried about it. But, yeah, I'm a bit bit worried about it happening. Because I don't wanna be left short of money because there's only just me. Yeah. Are you there? That's okay. Yep. Mhmm. Yeah. Right. Okay. That that was my only concern. I like I know. It might sound funny, though, but I just need to know that my my pay like, I'm so used to having my pay in my bank account on the Thursday. All of it, like, it goes in there Wednesday night, but, obviously, the salary sacrifice comes out, then the salary sacrifice goes. The salary sacrifice money comes back in on the Thursday. I just I from my point of view, I just like to know that it's all in there and above board on the Thursday. Do you know what I mean? So you withdraw oh, you've lost it. Withdraw the salary hang on. Withdraw the salary sacrifice, and then it goes back and that money goes into my super, and then you put it back in my account. Is that right? Yes. Wait. The the super say you withdraw the money out of my super that super pension account. Withdraw that out of my super. Okay. I'll I'll okay. I've kind of got it. You need to probably need to Yes. Yeah. Oh, okay. Yeah. Right. Yeah. Okay. I'm with you now. Yep. Yeah. It's done. Okay. I'm still trying to, but I'm trying to I'm trying to get in it. Yeah. Okay then. Did you can you post your hard copies of these? Could you oh, I'm probably being a pain if you could. So potentially, if you were to do this, would that boost my super from those figures that you gave me or not? 34, 40. Oh my god. Here's 38, 36, 36, 35. 34. Righty. 34. Okay. Yep. Yes. On hang on. Love some comparison in two years. So instead of it saying recommended 170 hang on. So it'll be so but what's the current $1.75, though? Oh, I think Currently, what currently, with the weight left now, I could potentially get a 175. But with reckon what you've just recommended me, I'd get a 170,000. And so the so the that's the difference. That's the 13 thousand. So so that'll be with doing this patient thing set up as well? Right. Okay. So, yeah, I'll get another one of these calls from you next year to see how things are going too, won't I? Right? Right. Okay. Alright. Okay. I can't yeah. I yeah. So it's a lot to take in, but yeah. Yes. Okay. That I yeah. I just yeah. I, like, I would certainly, like, really, really consider that pension thing. Yeah. I'm not ready to jump into it straight away. But so so you're gonna go in now and change change the way it works around or not not until I sign this document? Yes. Okay. And also if if no. So your so your well, recommendation is to make it more secure for me is to stop is to to go with this strategy with the changing around of things like, hey. Yeah. So it makes it more secure for me. Yes. Okay. Alright. And so where did you say I write down what I don't want? It's got my signature and it's got the date. Got it, like, a long one at the top at the top of that. Oh, I see. Okay. Alright. Alright. Okay. I'm sorry I took so long, and I took a long lot to understand it all. Yes. But that one that one you've offered me is doesn't make any difference to anything then, does it? Like, really? I still yes. Yes. Yeah. I yeah. Anyway, I just yeah. Anyway, as I said, I feel like I'm questioning it all, but I I can understand. But as I said to you, my only fear and I there is a fear that I I just I just like to know that that money is back in my account on that payday every Thursday. That's my only little fear. It's just a tiny fear, but yeah. Right. Okay. Alright. Okay. I'm I'm sorry I've kept you so long. Yeah. Okay. So I get my wheel done and get that put in the wheel. So if I was to alter, like, alter the beneficiaries, who do I put it on API, the person that's in charge of my will or something or what? No. How do you who who do I believe it to? Yep. Yes. Yeah. Right. Right. Okay. So so what did you say l p new? Oh, so it could someone I've got I've got someone that's looking after my affairs. Is you is that what you mean? Yeah. No. I've gotta make one. Yes. Yes. Yes. Yes. Quadlock top. Yeah. Right. Okay. Yeah. It does, mate. Yep. Okay. I must get on to that. Hello. I'm really naughty. I I need to get on to it. Hey. It's not. Yep. I've actually got a niece. I've got a niece that's a that's a lawyer. So get on to I mean, she'll help me. Obviously, I'd I'd expect to charge me, but, I mean, she'd help me with it also. Yeah. Yeah. Okay. Alright. Okay. No worries. Okay. Thank you so much for your valuable time. Thank you. Okay. Thank you. You have a nice night. Okay. 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Sharon speaking. I'm very well. Thank you. How are you?\n\nYeah. That's fine. That's fine. Yeah. Very busy.\n\nVery busy. I work in aged care, so, yeah, very busy. I haven't. No. Oh, hang on.\n\nYes. Just bear with me. I might be able to. Have you sent it through? Yeah.\n\nSure. Yep. Sharon Joy Carey. Second of the third nineteen 60 three. No.\n\nIt's up. It's up. It's good. Yeah. It's all up.\n\nIt's all good. Yep. Yes. Yes. Yes.\n\nYes. Yes. Mhmm. Yep. Right.\n\nOkay. Now where was where did you say that was? Retime number five. Yep. Yep.\n\nRight. Okay. Yep. Yep. Hang on.\n\nEight. 18. 18. Eight oh, probably. Page oh, I'm 26.\n\n25. I've got it up on my phone. So but 21201918. Okay. I've got that up.\n\nYep. Okay. So it's actually working it's working to last potential contracting. Is that what you're saying? Yes.\n\nYes. Right. Right. So where was that? Where was that?\n\nOne, two. Van Gogh. Oh, yes. I can I can see that? Yep.\n\nYes. Yep. Mhmm. Yeah. I think so.\n\nYeah. It does. Yeah. Oh, it is a lot for me, believe me, for my brain. Yeah.\n\nYes. Mhmm. Yep. When you say risk when you say risk level of losing out, you mean? Is that what you mean?\n\nYes. Right. Mhmm. Yes. Yes.\n\nYes. Yeah. It comes. Yep. Yep.\n\nYeah. Right. Yeah. Yeah. Yes.\n\nYeah. Right. Okay. Yep. Yeah.\n\nIt does. Yeah. Yeah. Yeah. Not that I can really so how much like, when I like, at 65 or 67, whatever age it's gonna be, how much would I will I end you can't well, you tell me how much will I end up having in my super.\n\nYeah. I've got it here. Yeah. Mhmm. Well, it's my time.\n\nYes. Yes. Right. Yeah. Yeah.\n\nYeah. Mhmm. It does. Yep. Yes.\n\nYep. Right. Right. Yeah. It does.\n\nYeah. I don't think so. What I was going to ask, so if I get paid a super, do I, like I want to get do I get paid a pension as well because I have a debt for this is all my assets? Or what happens how does it go? Yeah.\n\nYeah. When I'm due for that. So how does it all is that a stupid question? Is it is it Yeah. Kind yeah.\n\nSort of. Yeah. So I I wouldn't get I'd only get part what would I get? Part pension and part soup. Is that how it works or what?\n\nYes. Yep. Yep. So did you say I that my super is 100 and 145. Then what did you what else did you say my other Yes.\n\nOh, so your conscience insurance in your house. Unfortunately, no. I'm not in that. I don't know whether it's good or good or bad trying to home these days. I don't know.\n\nBut yeah. I know. Mhmm. Oh, yeah. Yes.\n\nYes. I come way under that, don't I? Yep. And and like that like, when you're drawing that little bit out all the time, it's it's it's it still makes the super that's in there work, doesn't it? It's still working.\n\nLike, because you're drawing because you're drawing on it, you're still not gonna get as big returns, but you could still get you still get returns on it. Don't you? So that's kinda working in my favor. Yeah. Right.\n\nOkay. Oh, you know you know what? I'm sorry. I don't know. Wish I had a known about twenty years ago when I was set up there.\n\nI was like, oh, I just I wish I had a known. I would have been so much better off set up, but I just can't help certain I can't help circumstances. But I don't know. Kind of, you know, I've trying to work this. You know?\n\nI've done my best, but I I would have liked to have been in a different position and owned a home. But, obviously, my things will work out that way. But I know I'm doing my best, and I know. I'm just so pleased. Yeah.\n\nThat's so happy. Yes. Yep. Yep. Twenty twenty six twenty five Twenty.\n\nAnd I've lost 25 amongst it. Have I? No. I haven't. No.\n\nHere we go. Oh, I've got it. I've found it. Have I found it or not? Here we are.\n\nI've got it. Yeah. That's it. That's it. I've got it.\n\nYep. Yep. Yep. Yes. Mhmm.\n\nMhmm. No. My pays really don't change at all because I there's quite a few of us at work that just do day shift. I don't do afternoon or night shift or just do day shift. I've been there that long, but, yeah, we've got our shifts and that's it.\n\nYeah. Yes. Yes. Yes. Yes.\n\nYep. Yes. On '20 on where was that? On oh, yes. Yes.\n\nYeah. Oh, you've lost me. Yes. Right. Okay.\n\nBut does does this does this play around with my pay like, my pay slip and stuff? Or Okay. So when so when does this start? Yeah. Come here.\n\nSo salary sacrifice is that a step do you salary sacrifice yourself? No. Yes. I'm already salary sacrificing. Salary packaging.\n\nOh, okay. Yeah. It does. Yep. So I still take home so at the end of at just at the every fortnight, when I get my pay, I still take home the same amount.\n\nRight. Okay. I think I'm it is a lot to take on. Yeah. Yes.\n\nYeah. It does. So at the moment, I I know what I saw. I sacrificed 600 and something. I saw a sacrifice, a salary package.\n\nThat's what this is. This is what this is. Yeah. Yeah. It goes on my rent.\n\nYeah. Yeah. My own list. And the salary what you're doing, is that is that the same? And so when it does that, like, when it's salary sacrifice out of it, it I mean, because when I salary sacrifice now, like, it goes back in.\n\nIt goes out. Like, I get my pay slip, but it's in there the next day. The salary sacrifice is in there the next day. The salary is that package is that what'll happen? The money's back in my money's in they sell so they salary package it, salary sacrifice it, take it out, and then it's back in there the next day.\n\nYou can. So, like, once a fortnight when I get paid, you can make that work. Like, I think this this week's pay week. So on the Thursday, that could potentially go back in there on on that in that account on the Thursday. Yeah.\n\nThat's what, like, me that's what I prefer for it to be done on the Thursday that I get I get my salary sacrifice back in. Do you know what I mean? It does. I'm just a little bit worried about it. But, yeah, I'm a bit bit worried about it happening.\n\nBecause I don't wanna be left short of money because there's only just me. Yeah. Are you there? That's okay. Yep.\n\nMhmm. Yeah. Right. Okay. That that was my only concern.\n\nI like I know. It might sound funny, though, but I just need to know that my my pay like, I'm so used to having my pay in my bank account on the Thursday. All of it, like, it goes in there Wednesday night, but, obviously, the salary sacrifice comes out, then the salary sacrifice goes. The salary sacrifice money comes back in on the Thursday. I just I from my point of view, I just like to know that it's all in there and above board on the Thursday.\n\nDo you know what I mean? So you withdraw oh, you've lost it. Withdraw the salary hang on. Withdraw the salary sacrifice, and then it goes back and that money goes into my super, and then you put it back in my account. Is that right?\n\nYes. Wait. The the super say you withdraw the money out of my super that super pension account. Withdraw that out of my super. Okay.\n\nI'll I'll okay. I've kind of got it. You need to probably need to Yes. Yeah. Oh, okay.\n\nYeah. Right. Yeah. Okay. I'm with you now.\n\nYep. Yeah. It's done. Okay. I'm still trying to, but I'm trying to I'm trying to get in it.\n\nYeah. Okay then. Did you can you post your hard copies of these? Could you oh, I'm probably being a pain if you could. So potentially, if you were to do this, would that boost my super from those figures that you gave me or not?\n\n34, 40. Oh my god. Here's 38, 36, 36, 35. 34. Righty.\n\n34. Okay. Yep. Yes. On hang on.\n\nLove some comparison in two years. So instead of it saying recommended 170 hang on. So it'll be so but what's the current $1.75, though? Oh, I think Currently, what currently, with the weight left now, I could potentially get a 175. But with reckon what you've just recommended me, I'd get a 170,000.\n\nAnd so the so the that's the difference. That's the 13 thousand. So so that'll be with doing this patient thing set up as well? Right. Okay.\n\nSo, yeah, I'll get another one of these calls from you next year to see how things are going too, won't I? Right? Right. Okay. Alright.\n\nOkay. I can't yeah. I yeah. So it's a lot to take in, but yeah. Yes.\n\nOkay. That I yeah. I just yeah. I, like, I would certainly, like, really, really consider that pension thing. Yeah.\n\nI'm not ready to jump into it straight away. But so so you're gonna go in now and change change the way it works around or not not until I sign this document? Yes. Okay. And also if if no.\n\nSo your so your well, recommendation is to make it more secure for me is to stop is to to go with this strategy with the changing around of things like, hey. Yeah. So it makes it more secure for me. Yes. Okay.\n\nAlright. And so where did you say I write down what I don't want? It's got my signature and it's got the date. Got it, like, a long one at the top at the top of that. Oh, I see.\n\nOkay. Alright. Alright. Okay. I'm sorry I took so long, and I took a long lot to understand it all.\n\nYes. But that one that one you've offered me is doesn't make any difference to anything then, does it? Like, really? I still yes. Yes.\n\nYeah. I yeah. Anyway, I just yeah. Anyway, as I said, I feel like I'm questioning it all, but I I can understand. But as I said to you, my only fear and I there is a fear that I I just I just like to know that that money is back in my account on that payday every Thursday.\n\nThat's my only little fear. It's just a tiny fear, but yeah. Right. Okay. Alright.\n\nOkay. I'm I'm sorry I've kept you so long. Yeah. Okay. So I get my wheel done and get that put in the wheel.\n\nSo if I was to alter, like, alter the beneficiaries, who do I put it on API, the person that's in charge of my will or something or what? No. How do you who who do I believe it to? Yep. Yes.\n\nYeah. Right. Right. Okay. So so what did you say l p new?\n\nOh, so it could someone I've got I've got someone that's looking after my affairs. Is you is that what you mean? Yeah. No. I've gotta make one.\n\nYes. Yes. Yes. Yes. Quadlock top.\n\nYeah. Right. Okay. Yeah. It does, mate.\n\nYep. Okay. I must get on to that. Hello. I'm really naughty.\n\nI I need to get on to it. Hey. It's not. Yep. I've actually got a niece.\n\nI've got a niece that's a that's a lawyer. So get on to I mean, she'll help me. Obviously, I'd I'd expect to charge me, but, I mean, she'd help me with it also. Yeah. Yeah.\n\nOkay. Alright. Okay. No worries. Okay.\n\nThank you so much for your valuable time. Thank you. Okay. Thank you. You have a nice night.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.03383350372314453},{"text":"Sharon speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.03165182005614042},{"text":"I'm very well.","start":5.92,"end":6.72,"sentiment":"positive","sentiment_score":0.5678972005844116},{"text":"Thank you.","start":6.72,"end":7.2,"sentiment":"positive","sentiment_score":0.6539802849292755},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"positive","sentiment_score":0.37570294737815857}],"sentiment":"positive","sentiment_score":0.38508165068924427,"num_words":11,"start":0.48,"end":8.02},{"sentences":[{"text":"Yeah.","start":14.865,"end":15.184999,"sentiment":"neutral","sentiment_score":0.1419675350189209},{"text":"That's fine.","start":15.184999,"end":15.985,"sentiment":"neutral","sentiment_score":0.21345490217208862},{"text":"That's 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in.","start":2546.33,"end":2554.43,"sentiment":"neutral","sentiment_score":0.04506108843322311}],"sentiment":"neutral","sentiment_score":0.06055648326873779,"num_words":45,"start":2522.06,"end":2554.43},{"sentences":[{"text":"It goes out.","start":2554.57,"end":2555.53,"sentiment":"neutral","sentiment_score":0.02806026116013527},{"text":"Like, I get my pay slip, but it's in there the next day.","start":2555.53,"end":2559.15,"sentiment":"neutral","sentiment_score":0.006240590260579036},{"text":"The salary sacrifice is in there the next day.","start":2559.895,"end":2562.0552,"sentiment":"neutral","sentiment_score":0.004524416393703884},{"text":"The salary is that package is that what'll happen?","start":2562.0552,"end":2565.0352,"sentiment":"neutral","sentiment_score":0.04900810308754444},{"text":"The money's back in my money's in they sell so they salary package it, salary sacrifice it, take it out, and then it's back in there the next day.","start":2576.45,"end":2586.87,"sentiment":"neutral","sentiment_score":0.024259191937744617}],"sentiment":"neutral","sentiment_score":0.02143837616498035,"num_words":63,"start":2554.57,"end":2586.87},{"sentences":[{"text":"You can.","start":2622.235,"end":2622.955,"sentiment":"neutral","sentiment_score":0.2464757338166237},{"text":"So, like, once a fortnight when I get paid, you can make that work.","start":2622.955,"end":2626.715,"sentiment":"neutral","sentiment_score":0.16316150182059833},{"text":"Like, I think this this week's pay week.","start":2626.715,"end":2629.695,"sentiment":"neutral","sentiment_score":0.15753729082643986},{"text":"So on the Thursday, that could potentially go back in there on on that in that account on the Thursday.","start":2630.3152,"end":2635.4302,"sentiment":"neutral","sentiment_score":0.1354683220386505},{"text":"Yeah.","start":2693.51,"end":2694.01,"sentiment":"neutral","sentiment_score":0.10939417034387589}],"sentiment":"neutral","sentiment_score":0.15236158735222285,"num_words":45,"start":2622.235,"end":2694.01},{"sentences":[{"text":"That's what, like, me that's what I prefer for it to be done on the Thursday that I get I get my salary sacrifice back in.","start":2694.31,"end":2702.405,"sentiment":"neutral","sentiment_score":0.08313078003434035},{"text":"Do you know what I mean?","start":2702.405,"end":2703.465,"sentiment":"neutral","sentiment_score":0.01550904413064321},{"text":"It does.","start":2747.3,"end":2747.86,"sentiment":"neutral","sentiment_score":0.05694292671978474},{"text":"I'm just a little bit worried about it.","start":2747.86,"end":2749.3,"sentiment":"neutral","sentiment_score":-0.1651716202031821},{"text":"But, yeah, I'm a bit bit worried about it happening.","start":2749.3,"end":2751.56,"sentiment":"neutral","sentiment_score":-0.21506746709346772}],"sentiment":"neutral","sentiment_score":-0.021225139104689542,"num_words":52,"start":2694.31,"end":2751.56},{"sentences":[{"text":"Because I don't wanna be left short of money because there's only just me.","start":2751.78,"end":2755.005,"sentiment":"neutral","sentiment_score":-0.27313418899263653},{"text":"Yeah.","start":2755.1648,"end":2755.6648,"sentiment":"neutral","sentiment_score":0.003294769674539566},{"text":"Are you there?","start":2793.245,"end":2794.0652,"sentiment":"neutral","sentiment_score":0.09632184853156407},{"text":"That's okay.","start":2798.6702,"end":2799.33,"sentiment":"neutral","sentiment_score":-0.1100698672235012},{"text":"Yep.","start":2800.1902,"end":2800.6902,"sentiment":"neutral","sentiment_score":-0.009482383728027344}],"sentiment":"neutral","sentiment_score":-0.17910668803822427,"num_words":21,"start":2751.78,"end":2800.6902},{"sentences":[{"text":"Mhmm.","start":2824.92,"end":2825.42,"sentiment":"neutral","sentiment_score":0.2032093107700348},{"text":"Yeah.","start":2828.84,"end":2829.08,"sentiment":"neutral","sentiment_score":0.07112745940685272},{"text":"Right.","start":2829.08,"end":2829.58,"sentiment":"neutral","sentiment_score":0.0706627368927002},{"text":"Okay.","start":2829.72,"end":2830.22,"sentiment":"neutral","sentiment_score":0.0586746484041214},{"text":"That that was my only concern.","start":2832.12,"end":2833.98,"sentiment":"neutral","sentiment_score":-0.014104458192984263}],"sentiment":"neutral","sentiment_score":0.03190474063158035,"num_words":10,"start":2824.92,"end":2833.98},{"sentences":[{"text":"I like I know.","start":2834.2,"end":2835.16,"sentiment":"neutral","sentiment_score":-0.01605669967830181},{"text":"It might sound funny, though, but I just need to know that my my pay like, I'm so used to having my pay in my bank account on the Thursday.","start":2835.16,"end":2845.375,"sentiment":"neutral","sentiment_score":-0.008777602637807528},{"text":"All of it, like, it goes in there Wednesday night, but, obviously, the salary sacrifice comes out, then the salary sacrifice goes.","start":2845.435,"end":2851.855,"sentiment":"neutral","sentiment_score":0.04717036641456864},{"text":"The salary sacrifice money comes back in on the Thursday.","start":2851.9402,"end":2855.0,"sentiment":"neutral","sentiment_score":0.11876800879836083},{"text":"I just I from my point of view, I just like to know that it's all in there and above board on the Thursday.","start":2855.86,"end":2863.62,"sentiment":"neutral","sentiment_score":0.2540493570268154}],"sentiment":"neutral","sentiment_score":0.08883397599889173,"num_words":90,"start":2834.2,"end":2863.62},{"sentences":[{"text":"Do you know what I mean?","start":2863.62,"end":2864.76,"sentiment":"neutral","sentiment_score":0.09350659822424252},{"text":"So you withdraw oh, you've lost it.","start":2877.145,"end":2880.5051,"sentiment":"neutral","sentiment_score":-0.027312149426766803},{"text":"Withdraw the salary hang on.","start":2880.5051,"end":2883.23,"sentiment":"neutral","sentiment_score":0.0036037910729646684},{"text":"Withdraw the salary sacrifice, and then it goes back and that money goes into my super, and then you put it back in my account.","start":2884.25,"end":2896.725,"sentiment":"neutral","sentiment_score":0.05048542268574238},{"text":"Is that right?","start":2897.185,"end":2898.085,"sentiment":"neutral","sentiment_score":0.07741712778806686}],"sentiment":"neutral","sentiment_score":0.04091870541805807,"num_words":46,"start":2863.62,"end":2898.085},{"sentences":[{"text":"Yes.","start":2918.78,"end":2919.28,"sentiment":"neutral","sentiment_score":0.15471726655960083},{"text":"Wait.","start":2942.9,"end":2943.22,"sentiment":"neutral","sentiment_score":0.028632063418626785},{"text":"The the super say you withdraw the money out of my super that super pension account.","start":2943.22,"end":2951.825,"sentiment":"neutral","sentiment_score":-0.03899256093427539},{"text":"Withdraw that out of my super.","start":2952.525,"end":2954.145,"sentiment":"neutral","sentiment_score":0.014957603067159653},{"text":"Okay.","start":2959.085,"end":2959.585,"sentiment":"neutral","sentiment_score":0.08029447495937347}],"sentiment":"neutral","sentiment_score":-0.010819662064313888,"num_words":25,"start":2918.78,"end":2959.585},{"sentences":[{"text":"I'll I'll okay.","start":2959.645,"end":2960.785,"sentiment":"neutral","sentiment_score":0.04500091324249903},{"text":"I've kind of got it.","start":2960.845,"end":2961.805,"sentiment":"neutral","sentiment_score":-0.0019757736474275587},{"text":"You need to probably need to Yes.","start":2961.805,"end":2980.04,"sentiment":"neutral","sentiment_score":0.0219817507479872},{"text":"Yeah.","start":2988.9749,"end":2989.375,"sentiment":"neutral","sentiment_score":0.10150215029716492},{"text":"Oh, okay.","start":2989.375,"end":2990.015,"sentiment":"neutral","sentiment_score":0.12087313830852509}],"sentiment":"neutral","sentiment_score":0.034569141868915826,"num_words":18,"start":2959.645,"end":2990.015},{"sentences":[{"text":"Yeah.","start":2990.015,"end":2990.335,"sentiment":"neutral","sentiment_score":0.10872958600521088},{"text":"Right.","start":2990.335,"end":2990.575,"sentiment":"neutral","sentiment_score":0.12740705907344818},{"text":"Yeah.","start":2990.575,"end":2991.055,"sentiment":"neutral","sentiment_score":0.11308174580335616},{"text":"Okay.","start":2991.055,"end":2991.295,"sentiment":"neutral","sentiment_score":0.1163165718317032},{"text":"I'm with you now.","start":2991.295,"end":2992.275,"sentiment":"neutral","sentiment_score":0.10823789238929749}],"sentiment":"neutral","sentiment_score":0.11231081653386354,"num_words":8,"start":2990.015,"end":2992.275},{"sentences":[{"text":"Yep.","start":2992.335,"end":2992.835,"sentiment":"neutral","sentiment_score":0.11372246593236925},{"text":"Yeah.","start":2993.855,"end":2994.255,"sentiment":"neutral","sentiment_score":0.08124824613332748},{"text":"It's done.","start":2994.255,"end":2994.81,"sentiment":"neutral","sentiment_score":0.11597124487161636},{"text":"Okay.","start":2995.29,"end":2995.79,"sentiment":"neutral","sentiment_score":0.1522466391324997},{"text":"I'm still trying to, but I'm trying to I'm trying to get in it.","start":3000.81,"end":3004.33,"sentiment":"neutral","sentiment_score":-0.07066050863691739}],"sentiment":"neutral","sentiment_score":-0.021583541051337595,"num_words":19,"start":2992.335,"end":3004.33},{"sentences":[{"text":"Yeah.","start":3004.33,"end":3004.83,"sentiment":"neutral","sentiment_score":0.0953020080924034},{"text":"Okay then.","start":3025.7302,"end":3026.61,"sentiment":"neutral","sentiment_score":0.05374353006482124},{"text":"Did you can you post your hard copies of these?","start":3026.61,"end":3030.55,"sentiment":"neutral","sentiment_score":0.063828045129776},{"text":"Could you oh, I'm probably being a pain if you could.","start":3034.195,"end":3036.855,"sentiment":"negative","sentiment_score":-0.4959579055959528},{"text":"So potentially, if you were to do this, would that boost my super from those figures that you gave me or not?","start":3039.635,"end":3049.1401,"sentiment":"neutral","sentiment_score":0.10739438117227772}],"sentiment":"neutral","sentiment_score":-0.04895197948359925,"num_words":46,"start":3004.33,"end":3049.1401},{"sentences":[{"text":"34, 40.","start":3064.975,"end":3068.7551,"sentiment":"neutral","sentiment_score":0.021292191930115223},{"text":"Oh my god.","start":3069.2952,"end":3069.935,"sentiment":"neutral","sentiment_score":0.015149382253487905},{"text":"Here's 38, 36, 36, 35.","start":3069.935,"end":3076.36,"sentiment":"neutral","sentiment_score":0.029127031937241553},{"text":"34.","start":3076.36,"end":3076.9602,"sentiment":"neutral","sentiment_score":0.03259291872382164},{"text":"Righty.","start":3076.9602,"end":3077.4602,"sentiment":"neutral","sentiment_score":0.05413008853793144}],"sentiment":"neutral","sentiment_score":0.026699224797387917,"num_words":12,"start":3064.975,"end":3077.4602},{"sentences":[{"text":"34.","start":3078.32,"end":3079.28,"sentiment":"neutral","sentiment_score":0.04615464061498642},{"text":"Okay.","start":3079.28,"end":3079.78,"sentiment":"neutral","sentiment_score":0.09736840426921844},{"text":"Yep.","start":3080.08,"end":3080.58,"sentiment":"neutral","sentiment_score":0.22428861260414124},{"text":"Yes.","start":3102.955,"end":3103.41,"sentiment":"neutral","sentiment_score":0.13550859689712524},{"text":"On hang 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170,000.","start":3209.175,"end":3217.675,"sentiment":"neutral","sentiment_score":0.12870669675370058}],"sentiment":"neutral","sentiment_score":0.05036804487031919,"num_words":54,"start":3141.0798,"end":3217.675},{"sentences":[{"text":"And so the so the that's the difference.","start":3218.8,"end":3222.74,"sentiment":"neutral","sentiment_score":0.021045933128334582},{"text":"That's the 13 thousand.","start":3223.68,"end":3225.2,"sentiment":"neutral","sentiment_score":0.03461502632126212},{"text":"So so that'll be with doing this patient thing set up as well?","start":3225.2,"end":3230.98,"sentiment":"neutral","sentiment_score":0.16582480302223793},{"text":"Right.","start":3280.59,"end":3280.99,"sentiment":"neutral","sentiment_score":0.2006867676973343},{"text":"Okay.","start":3280.99,"end":3281.49,"sentiment":"neutral","sentiment_score":0.177687406539917}],"sentiment":"neutral","sentiment_score":0.1052194142162248,"num_words":27,"start":3218.8,"end":3281.49},{"sentences":[{"text":"So, yeah, I'll get another one of these calls from you next year to see how things are going too, won't I?","start":3281.87,"end":3286.51,"sentiment":"neutral","sentiment_score":0.28864713419567456},{"text":"Right?","start":3286.51,"end":3287.01,"sentiment":"neutral","sentiment_score":0.14483904838562012},{"text":"Right.","start":3302.605,"end":3303.105,"sentiment":"neutral","sentiment_score":0.09309125691652298},{"text":"Okay.","start":3303.165,"end":3303.665,"sentiment":"neutral","sentiment_score":0.07013015449047089},{"text":"Alright.","start":3305.1501,"end":3305.6301,"sentiment":"neutral","sentiment_score":0.07374660670757294}],"sentiment":"neutral","sentiment_score":0.2589247699540395,"num_words":26,"start":3281.87,"end":3305.6301},{"sentences":[{"text":"Okay.","start":3305.6301,"end":3306.11,"sentiment":"neutral","sentiment_score":0.019386379048228264},{"text":"I can't yeah.","start":3306.11,"end":3306.83,"sentiment":"neutral","sentiment_score":-0.05795052523414294},{"text":"I yeah.","start":3306.83,"end":3307.55,"sentiment":"neutral","sentiment_score":-0.015869494527578354},{"text":"So it's a lot to take in, but yeah.","start":3307.55,"end":3310.54,"sentiment":"neutral","sentiment_score":-0.0586381960246298},{"text":"Yes.","start":3369.54,"end":3370.04,"sentiment":"neutral","sentiment_score":0.02944820374250412}],"sentiment":"neutral","sentiment_score":-0.04278123413678259,"num_words":16,"start":3305.6301,"end":3370.04},{"sentences":[{"text":"Okay.","start":3383.2449,"end":3383.7449,"sentiment":"neutral","sentiment_score":0.12465956807136536},{"text":"That I yeah.","start":3383.805,"end":3384.605,"sentiment":"neutral","sentiment_score":0.17163918912410736},{"text":"I just yeah.","start":3384.605,"end":3385.325,"sentiment":"neutral","sentiment_score":0.15308398008346558},{"text":"I, like, I would certainly, like, really, really consider that pension thing.","start":3385.325,"end":3390.02,"sentiment":"neutral","sentiment_score":0.19058247655630112},{"text":"Yeah.","start":3390.02,"end":3390.52,"sentiment":"neutral","sentiment_score":0.12351802736520769}],"sentiment":"neutral","sentiment_score":0.17546684108674526,"num_words":20,"start":3383.2449,"end":3390.52},{"sentences":[{"text":"I'm not ready to jump into it straight away.","start":3390.58,"end":3393.1602,"sentiment":"neutral","sentiment_score":-0.04111431621842914},{"text":"But so so you're gonna go in now and change change the way it works around or not not until I sign this document?","start":3393.22,"end":3402.875,"sentiment":"neutral","sentiment_score":0.166388809060057},{"text":"Yes.","start":3410.7751,"end":3411.2751,"sentiment":"neutral","sentiment_score":0.14110687375068665},{"text":"Okay.","start":3435.905,"end":3436.405,"sentiment":"neutral","sentiment_score":0.10451926290988922},{"text":"And also if if no.","start":3436.865,"end":3440.865,"sentiment":"neutral","sentiment_score":0.04440052844583988}],"sentiment":"neutral","sentiment_score":0.10227328375913203,"num_words":40,"start":3390.58,"end":3440.865},{"sentences":[{"text":"So your so your well, recommendation is to make it more secure for me is to stop is to to go with this strategy with the changing around of things like, hey.","start":3440.865,"end":3456.4902,"sentiment":"neutral","sentiment_score":0.1695756120607257},{"text":"Yeah.","start":3456.87,"end":3457.335,"sentiment":"positive","sentiment_score":0.36518675088882446},{"text":"So it makes it more secure for me.","start":3458.295,"end":3460.2349,"sentiment":"positive","sentiment_score":0.3779792748391628},{"text":"Yes.","start":3479.03,"end":3479.53,"sentiment":"positive","sentiment_score":0.3628685474395752},{"text":"Okay.","start":3514.575,"end":3515.075,"sentiment":"neutral","sentiment_score":0.07717238366603851}],"sentiment":"neutral","sentiment_score":0.2152437550383945,"num_words":43,"start":3440.865,"end":3515.075},{"sentences":[{"text":"Alright.","start":3515.295,"end":3515.795,"sentiment":"neutral","sentiment_score":0.0910959541797638},{"text":"And so where did you say I write down what I don't want?","start":3515.935,"end":3519.315,"sentiment":"neutral","sentiment_score":-0.0656410729369292},{"text":"It's got my signature and it's got the date.","start":3530.54,"end":3533.12,"sentiment":"neutral","sentiment_score":0.03437155154016283},{"text":"Got it, like, a long one at the top at the top of that.","start":3537.74,"end":3540.6401,"sentiment":"neutral","sentiment_score":0.026982668521148816},{"text":"Oh, I see.","start":3547.045,"end":3548.005,"sentiment":"neutral","sentiment_score":0.019138410687446594}],"sentiment":"neutral","sentiment_score":-0.0004430359695106745,"num_words":40,"start":3515.295,"end":3548.005},{"sentences":[{"text":"Okay.","start":3548.005,"end":3548.505,"sentiment":"neutral","sentiment_score":0.05973878875374794},{"text":"Alright.","start":3549.4448,"end":3549.9448,"sentiment":"neutral","sentiment_score":0.17919676005840302},{"text":"Alright.","start":3555.125,"end":3555.625,"sentiment":"neutral","sentiment_score":0.12236464023590088},{"text":"Okay.","start":3556.005,"end":3556.505,"sentiment":"neutral","sentiment_score":0.16211295127868652},{"text":"I'm sorry I took so long, and I took a long lot to understand it all.","start":3557.5598,"end":3561.42,"sentiment":"neutral","sentiment_score":-0.10476583172567189}],"sentiment":"neutral","sentiment_score":-0.057642008364200595,"num_words":20,"start":3548.005,"end":3561.42},{"sentences":[{"text":"Yes.","start":3588.3699,"end":3588.8699,"sentiment":"positive","sentiment_score":0.6547131538391113},{"text":"But that one that one you've offered me is doesn't make any difference to anything then, does it?","start":3613.83,"end":3618.6301,"sentiment":"neutral","sentiment_score":0.07510471809655428},{"text":"Like, really?","start":3618.6301,"end":3619.6902,"sentiment":"neutral","sentiment_score":0.046630626544356346},{"text":"I still yes.","start":3620.3901,"end":3628.33,"sentiment":"neutral","sentiment_score":0.31096357107162476},{"text":"Yes.","start":3644.19,"end":3644.69,"sentiment":"neutral","sentiment_score":0.21780088543891907}],"sentiment":"neutral","sentiment_score":0.13002203725278377,"num_words":25,"start":3588.3699,"end":3644.69},{"sentences":[{"text":"Yeah.","start":3651.39,"end":3651.89,"sentiment":"neutral","sentiment_score":0.06826558709144592},{"text":"I yeah.","start":3652.75,"end":3653.31,"sentiment":"neutral","sentiment_score":0.05473170429468155},{"text":"Anyway, I just yeah.","start":3653.31,"end":3654.43,"sentiment":"neutral","sentiment_score":0.02784774173051119},{"text":"Anyway, as I said, I feel like I'm questioning it all, but I I can understand.","start":3654.43,"end":3658.51,"sentiment":"neutral","sentiment_score":-0.05960267083719373},{"text":"But as I said to you, my only fear and I there is a fear that I I just I just like to know that that money is back in my account on that payday every Thursday.","start":3658.51,"end":3667.795,"sentiment":"neutral","sentiment_score":-0.09710383812922078}],"sentiment":"neutral","sentiment_score":-0.07095607969289025,"num_words":60,"start":3651.39,"end":3667.795},{"sentences":[{"text":"That's my only little fear.","start":3667.935,"end":3670.015,"sentiment":"neutral","sentiment_score":-0.26236119866371155},{"text":"It's just a tiny fear, but yeah.","start":3670.015,"end":3672.33,"sentiment":"neutral","sentiment_score":-0.19471316571746553},{"text":"Right.","start":3692.755,"end":3693.075,"sentiment":"neutral","sentiment_score":0.08284612745046616},{"text":"Okay.","start":3693.075,"end":3693.575,"sentiment":"neutral","sentiment_score":0.09853476285934448},{"text":"Alright.","start":3694.275,"end":3694.775,"sentiment":"neutral","sentiment_score":0.10844391584396362}],"sentiment":"neutral","sentiment_score":-0.1589982231458028,"num_words":15,"start":3667.935,"end":3694.775},{"sentences":[{"text":"Okay.","start":3695.315,"end":3695.815,"sentiment":"neutral","sentiment_score":0.06845467537641525},{"text":"I'm I'm sorry I've kept you so long.","start":3695.875,"end":3698.035,"sentiment":"neutral","sentiment_score":-0.07504941895604134},{"text":"Yeah.","start":3698.035,"end":3698.535,"sentiment":"neutral","sentiment_score":0.04812084510922432},{"text":"Okay.","start":3757.5798,"end":3757.8198,"sentiment":"neutral","sentiment_score":0.1382904350757599},{"text":"So I get my wheel done and get that put in the wheel.","start":3757.8198,"end":3762.96,"sentiment":"neutral","sentiment_score":0.13820920082239005}],"sentiment":"neutral","sentiment_score":0.060466258941839136,"num_words":24,"start":3695.315,"end":3762.96},{"sentences":[{"text":"So if I was to alter, like, alter the beneficiaries, who do I put it on API, the person that's in charge of my will or something or what?","start":3769.845,"end":3779.065,"sentiment":"neutral","sentiment_score":0.04111431372062913},{"text":"No.","start":3779.525,"end":3779.845,"sentiment":"neutral","sentiment_score":-0.09053948521614076},{"text":"How do you who who do I believe it to?","start":3779.845,"end":3781.68,"sentiment":"neutral","sentiment_score":-0.08916505537927151},{"text":"Yep.","start":3788.48,"end":3788.98,"sentiment":"neutral","sentiment_score":0.05495692417025566},{"text":"Yes.","start":3797.645,"end":3798.145,"sentiment":"neutral","sentiment_score":0.10385385900735856}],"sentiment":"neutral","sentiment_score":0.00878418671588103,"num_words":42,"start":3769.845,"end":3798.145},{"sentences":[{"text":"Yeah.","start":3803.085,"end":3803.245,"sentiment":"neutral","sentiment_score":0.06271447986364365},{"text":"Right.","start":3803.245,"end":3803.745,"sentiment":"neutral","sentiment_score":0.0745445191860199},{"text":"Right.","start":3856.215,"end":3856.455,"sentiment":"neutral","sentiment_score":0.06404246389865875},{"text":"Okay.","start":3856.455,"end":3856.935,"sentiment":"neutral","sentiment_score":0.028790146112442017},{"text":"So so what did you say l p new?","start":3856.935,"end":3861.035,"sentiment":"neutral","sentiment_score":-0.005933358334004879}],"sentiment":"neutral","sentiment_score":0.013591644927286185,"num_words":13,"start":3803.085,"end":3861.035},{"sentences":[{"text":"Oh, so it could someone I've got I've got someone that's looking after my affairs.","start":3867.0151,"end":3871.42,"sentiment":"neutral","sentiment_score":0.01452606488019228},{"text":"Is you is that what you mean?","start":3871.42,"end":3872.7998,"sentiment":"neutral","sentiment_score":0.014410547113844327},{"text":"Yeah.","start":3873.0999,"end":3873.5999,"sentiment":"neutral","sentiment_score":0.03304356336593628},{"text":"No.","start":3879.02,"end":3879.3398,"sentiment":"neutral","sentiment_score":-0.15219135582447052},{"text":"I've gotta make one.","start":3879.3398,"end":3880.64,"sentiment":"neutral","sentiment_score":-0.12339234352111816}],"sentiment":"neutral","sentiment_score":-0.010498298697971873,"num_words":28,"start":3867.0151,"end":3880.64},{"sentences":[{"text":"Yes.","start":3892.9148,"end":3893.4148,"sentiment":"neutral","sentiment_score":0.08349595963954926},{"text":"Yes.","start":3898.43,"end":3898.93,"sentiment":"neutral","sentiment_score":0.11986251920461656},{"text":"Yes.","start":3915.145,"end":3915.645,"sentiment":"neutral","sentiment_score":0.1649860441684723},{"text":"Yes.","start":3915.705,"end":3915.785,"sentiment":"neutral","sentiment_score":0.2616707384586334},{"text":"Quadlock top.","start":3915.785,"end":3916.845,"sentiment":"neutral","sentiment_score":0.2849232852458954}],"sentiment":"neutral","sentiment_score":0.1999769719938437,"num_words":6,"start":3892.9148,"end":3916.845},{"sentences":[{"text":"Yeah.","start":3923.32,"end":3923.56,"sentiment":"neutral","sentiment_score":0.1710508167743683},{"text":"Right.","start":3923.56,"end":3923.8801,"sentiment":"neutral","sentiment_score":0.08130359649658203},{"text":"Okay.","start":3923.8801,"end":3924.36,"sentiment":"neutral","sentiment_score":0.05782961845397949},{"text":"Yeah.","start":3924.36,"end":3924.52,"sentiment":"neutral","sentiment_score":0.07559700310230255},{"text":"It does, mate.","start":3924.52,"end":3925.4001,"sentiment":"neutral","sentiment_score":0.1747421845793724}],"sentiment":"neutral","sentiment_score":0.13000108408076422,"num_words":7,"start":3923.32,"end":3925.4001},{"sentences":[{"text":"Yep.","start":3925.4001,"end":3925.8801,"sentiment":"neutral","sentiment_score":0.17087870836257937},{"text":"Okay.","start":3925.8801,"end":3926.3801,"sentiment":"neutral","sentiment_score":0.2600666284561157},{"text":"I must get on to that.","start":3926.4402,"end":3927.72,"sentiment":"neutral","sentiment_score":0.24418404450019202},{"text":"Hello.","start":3927.72,"end":3928.04,"sentiment":"neutral","sentiment_score":-0.2597370743751526},{"text":"I'm really naughty.","start":3928.04,"end":3928.84,"sentiment":"negative","sentiment_score":-0.731935183207194}],"sentiment":"neutral","sentiment_score":-0.04662441834807396,"num_words":12,"start":3925.4001,"end":3928.84},{"sentences":[{"text":"I I need to get on to it.","start":3928.84,"end":3930.2002,"sentiment":"negative","sentiment_score":-0.5240972265601158},{"text":"Hey.","start":3930.2002,"end":3930.7002,"sentiment":"neutral","sentiment_score":-0.10585669428110124},{"text":"It's not.","start":3931.1602,"end":3931.9001,"sentiment":"neutral","sentiment_score":-0.19373254477977753},{"text":"Yep.","start":3949.06,"end":3949.3,"sentiment":"neutral","sentiment_score":0.04375749081373215},{"text":"I've actually got a niece.","start":3949.3,"end":3950.6602,"sentiment":"neutral","sentiment_score":0.029830670356750487}],"sentiment":"neutral","sentiment_score":-0.2643052208072999,"num_words":17,"start":3928.84,"end":3950.6602},{"sentences":[{"text":"I've got a niece that's a that's a lawyer.","start":3950.6602,"end":3954.36,"sentiment":"neutral","sentiment_score":0.0262321914649672},{"text":"So get on to I mean, she'll help me.","start":3954.58,"end":3958.045,"sentiment":"neutral","sentiment_score":0.16082982387807634},{"text":"Obviously, I'd I'd expect to charge me, but, I mean, she'd help me with it also.","start":3958.045,"end":3962.465,"sentiment":"neutral","sentiment_score":0.07651244755834341},{"text":"Yeah.","start":3962.685,"end":3963.185,"sentiment":"neutral","sentiment_score":0.06878365576267242},{"text":"Yeah.","start":3963.405,"end":3963.905,"sentiment":"neutral","sentiment_score":0.06562493741512299}],"sentiment":"neutral","sentiment_score":0.08450460811663005,"num_words":36,"start":3950.6602,"end":3963.905},{"sentences":[{"text":"Okay.","start":3967.085,"end":3967.585,"sentiment":"neutral","sentiment_score":0.13777051866054535},{"text":"Alright.","start":3992.275,"end":3992.775,"sentiment":"neutral","sentiment_score":0.05669616162776947},{"text":"Okay.","start":3993.075,"end":3993.575,"sentiment":"neutral","sentiment_score":0.03252909705042839},{"text":"No worries.","start":3993.795,"end":3994.535,"sentiment":"neutral","sentiment_score":-0.12639170140028},{"text":"Okay.","start":3994.9949,"end":3995.395,"sentiment":"neutral","sentiment_score":0.045360177755355835}],"sentiment":"neutral","sentiment_score":0.0032620920489231744,"num_words":6,"start":3967.085,"end":3995.395},{"sentences":[{"text":"Thank you so much for your valuable time.","start":3995.395,"end":3998.215,"sentiment":"positive","sentiment_score":0.3397867474704981},{"text":"Thank you.","start":3998.675,"end":3999.415,"sentiment":"positive","sentiment_score":0.5035382509231567},{"text":"Okay.","start":4002.43,"end":4002.83,"sentiment":"positive","sentiment_score":0.4834936261177063},{"text":"Thank you.","start":4002.83,"end":4003.31,"sentiment":"positive","sentiment_score":0.672323077917099},{"text":"You have a nice night.","start":4003.31,"end":4004.45,"sentiment":"positive","sentiment_score":0.660953938961029}],"sentiment":"positive","sentiment_score":0.4921266643537415,"num_words":18,"start":3995.395,"end":4004.45},{"sentences":[{"text":"Okay.","start":4007.1501,"end":4007.6501,"sentiment":"neutral","sentiment_score":0.18717563152313232},{"text":"Bye.","start":4007.87,"end":4008.37,"sentiment":"neutral","sentiment_score":0.176095649600029}],"sentiment":"neutral","sentiment_score":0.18163564056158066,"num_words":2,"start":4007.1501,"end":4008.37}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Sharon speaking.\n\nChannel 0: Hi, Sharon. It's Dana from Oakey Financial. How are you today?\n\nChannel 1: I'm very well. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your updated advice document. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine. That's fine.\n\nChannel 0: Fan fantastic. How's your day been so far?\n\nChannel 1: Yeah. Very busy. Very busy. I work in aged care, so, yeah, very busy.\n\nChannel 0: A lot going on. Understandable. Sharon, can you happen to have access to your email, sir, at the moment as well?\n\nChannel 1: I haven't. No.\n\nChannel 0: No.\n\nChannel 1: Oh, hang\n\nChannel 0: That's\n\nChannel 1: on.\n\nChannel 0: okay. If not, that's absolutely okay. I can talk you through the advice document. If you're not sure if you remember back when we sort of spoke late last year, we did your annual review. We talked about looking at different super, but also reducing the risk level.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: I've actually got a bit of a larger document to kinda go through with you. I just thought, normally, it's easier if we're able to look at the documents together. But if you're not, I'm fine to run through things and then allow you to have a bit of a look at it later. It's up to you.\n\nChannel 1: Just bear with me. I might\n\nChannel 0: That's\n\nChannel 1: be able\n\nChannel 0: okay.\n\nChannel 1: to. Have you sent it through?\n\nChannel 0: I haven't. I'm just about to send it now. So I'll just press send on this one for you. Just while it is coming through, Sharon, I just need to let you know before we do go through the advice that we do record our calls for quality and training purposes. Are you comfortable with me doing that proceeding with that?\n\nChannel 1: Yeah. Sure. Yep.\n\nChannel 0: Yep. Fantastic. And I'll just you're right. Oh, fantastic. Excellent.\n\nAnd I'll just do a quick security check there with you as well just to get you to confirm your full name, your address, and date of birth I should have.\n\nChannel 1: Sharon Joy Carey.\n\nChannel 0: Yep.\n\nChannel 1: Second of the third nineteen\n\nChannel 0: Beautiful. Thank you\n\nChannel 1: 60\n\nChannel 0: so much for that.\n\nChannel 1: three.\n\nChannel 0: Beautiful. Okay. Now you said the email's popped through to you there. When you open the email, I have got the document attached, but it's also attached as an attachment. So you can open either one.\n\nIt's completely up to you, whatever is easier To view the document that is in the the actual email itself, you should just be able to click on the button that says sign, and it should just take you through so you can move up and down through that document. But let me know if you have trouble doing so.\n\nChannel 1: No. It's up. It's up. It's good.\n\nChannel 0: That's working okay?\n\nChannel 1: Yeah. It's all up. It's all good. Yep.\n\nChannel 0: Oh, fantastic. Fantastic. So on the front page there, you'll see a statement of advice has been prepared for yourself. As of the 05/18/2026, sir, has been prepared by myself and my lovely team here at Oakview Financial. What I'll do is I'll just hit the points and go through the pages that we need to sort of go through, and then I'll let you go back and have a bit of a read through the document.\n\nThere is quite a bit there. It does outline all the recommendations, the advantages, disadvantages, the risks involved, and any alternatives that we've considered. And then before taking on the advice, you're welcome to come back and let me know if you do happen to have any questions at all. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Fantastic. Now the areas that this advice document has been limited to are areas of superannuation and estate planning to making sure that your beneficiaries are set up in line with what you're comfortable with. You have mentioned that you wanted your adult children nominated to the super fund and your life insurances, but you wanted us to look at doing that in the most tax effective way for you. Okay?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: And then we've also looked at superannuation. So you're hoping to be out of access super at around the age 67, hoping to draw income of about $1,100 per week. So we're looking at other strategies there now that you're over the age of 60, looking at other strategies that can provide a boost to your sofa. But with the volatility that we are seeing and because you are closer to accessing sofa, also looking at making sure the portfolio is in line with a lower risk profile as well. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Areas that we've scoped out, this is a bit further down in the document there on page number five. So we've scoped in limited just to a limited extent the areas around the retirement income needs. So what I've done is, as per the advice, gone back and done some research there for you, looked at ways and different strategies that we can put in place, but then looked at how the long term effects look like given these strategy that strategy that we wanna implement and how that might look for you when we project forward over your income side of things. So it's giving you a bit of an idea of where we're tracking for and what that looks like, and then we'll just keep updating the advice and making changes as we need to as we track towards those goals. Okay?\n\nChannel 1: Right. Okay. Now where was where did you say that was? Retime\n\nChannel 0: That was on page number five and six. Yeah.\n\nChannel 1: number five.\n\nChannel 0: Yeah. So it should have the heading scope of advice, limited scope. Yep. And then\n\nChannel 1: Yep.\n\nChannel 0: down on page number six, I've just noted there that we're not making any changes to your life insurance. You were happy with the life insurance you had. It was\n\nChannel 1: Yep.\n\nChannel 0: more just about retaining that for the time being until you don't wish to keep it anymore. It's scoped into a limited extent just because it is paid out of your super. So it's just about making sure that we have taken the premiums into account as we're making recommendations around your super and income needs. Okay?\n\nChannel 1: Right. Okay. Yep.\n\nChannel 0: All good.\n\nChannel 1: Yep.\n\nChannel 0: Now what I'll do is I'll take you through a lot of the advice document. If I can get you to scroll down for me, just the page number so sorry. Page number eighteen and nineteen, I'll take you through the initial recommendations with so far.\n\nChannel 1: Hang on. Eight.\n\nChannel 0: That's\n\nChannel 1: 18.\n\nChannel 0: okay.\n\nChannel 1: 18.\n\nChannel 0: Yeah. The\n\nChannel 1: Eight\n\nChannel 0: heading\n\nChannel 1: oh,\n\nChannel 0: there should\n\nChannel 1: probably.\n\nChannel 0: say recommended investments. Yeah.\n\nChannel 1: Page oh, I'm 26. 25.\n\nChannel 0: You're alright.\n\nChannel 1: I've got it up on my phone. So\n\nChannel 0: That's okay. You're absolutely fine. I'll go as slow as you need.\n\nChannel 1: but 21201918. Okay. I've got that up.\n\nChannel 0: Yes. Excellent. So this is essentially showing you the the first changes that we do wanna make to the portfolio. So as per the research, I went back and I had a look at all the super funds out there, including where Netwealth, where you are at the moment, as well as any other super funds that might be applicable or cheaper for you. I did look at the cost that they might be, but also looked at the tax consequences for making any changes to your super.\n\nSo I have made a recommendation that we retain your Netwealth super account for the time being. There's no need\n\nChannel 1: Yep.\n\nChannel 0: to make any changes to it at the moment. It is\n\nChannel 1: Okay.\n\nChannel 0: a great super fund, but\n\nChannel 1: So\n\nChannel 0: it's\n\nChannel 1: it's\n\nChannel 0: also\n\nChannel 1: actually\n\nChannel 0: about making\n\nChannel 1: working it's working to\n\nChannel 0: yeah.\n\nChannel 1: last potential contracting. Is that what you're saying?\n\nChannel 0: Yeah. The super fund itself isn't bad at all. Essentially, the super fund, just think of it like a vehicle. You'll you you put your money into the super fund and into the cash account, but what really gets you the returns is the underlying investments is where your money's invested. And the super fund itself is just an investment vehicle to hold those the funds and to have them invested.\n\nSo Netwealth is not a bad fund in any way, shape, or form. The admin fees can be a bit higher than other funds out there. However, one of the things I did look at was if we move you to another fund, we have to sell down all of your investments, and your super fund, just like you, does a tax return every year. So we need to consider when we are selling and moving to different super funds what the tax consequences might look like for that.\n\nChannel 1: Yes.\n\nChannel 0: I did sorta have a look around, and the tax consequences to selling down all your investments, it wasn't worthwhile moving. You weren't gonna make that money back quick enough. So I have made the recommendation to retain the super fund you're in, but just to make\n\nChannel 1: Yes.\n\nChannel 0: some changes to your underlying investments there. So on this page here, you'll see in page number 18, you've got a couple of on the buy, sell line, the red and the green for the area there. It's basically showing you what we're gonna be buying and selling. So inside your super fund at the moment, you do have some physical gold, which is the top one there. You're about 9.21%.\n\nSo at the moment, we wanna have about 10% in there. So we're gonna buy a bit more physical gold for you. You've at the moment sorry. At the moment, also got the beta shares a 200. So this is giving you exposure to the top 200 companies on the ASX there.\n\nAt the moment, you have about 35.46%. It's a great investment for diversification, low cost. However, we only wanna hold about 10%. So you're a bit overexposed there at the moment, so we are gonna reduce that exposure down to 10%. And that means we'd be selling about 35,000 of that investment there.\n\nOkay?\n\nChannel 1: Right.\n\nChannel 0: You've\n\nChannel 1: Right.\n\nChannel 0: also got some Vanguard fixed interest. Again, you've got a lot there. We're gonna sell that completely down and put the funds into something else, so that's why that one is completely red.\n\nChannel 1: So where was\n\nChannel 0: Okay.\n\nChannel 1: that? Where was that?\n\nChannel 0: That's the third investment down. Just going down that line there.\n\nChannel 1: One, two.\n\nChannel 0: The Vanguard\n\nChannel 1: Van Gogh.\n\nChannel 0: fixed interest.\n\nChannel 1: Oh,\n\nChannel 0: Yeah.\n\nChannel 1: yes. I can I can see that? Yep. Yes.\n\nChannel 0: That's okay. That so, look, it's not a bad investment. There's nothing wrong with it. However, we have found other areas that might perform a bit better or have performed better in the past. So selling that one down and redistributing the funds elsewhere.\n\nChannel 1: Yep.\n\nChannel 0: We've also got some beta shares cybersecurity. You'll see that one there is just being purchased a bit more. You have about 55.02% waiting at the moment, but when we kinda reweight the portfolio, we do need to just buy a little bit more of that to make sure you're weighted correctly. So for that\n\nChannel 1: Mhmm.\n\nChannel 0: $75 being purchased into that investment there. And then the iShares Europe. So this is giving you exposure to all the European companies, and it's quite important to have diversification, not just in different asset classes like gold and fixed interest and cybersecurity in The US and Australia, but also looking globally, so all over the world for investment opportunities as well. And this investment gives you exposure into all of the European companies, into the already established companies, but also areas where there is additional growth there. So it does help in reducing your risk level by diversifying.\n\nDoes that make sense?\n\nChannel 1: Yeah. I think so. Yeah. It does.\n\nChannel 0: Yeah. That's okay. If it doesn't, please tell me. I'm happy to break it down more for you. I know this can be a lot to go through.\n\nChannel 1: Yeah. Oh, it is a lot for me, believe me, for my brain. Yeah.\n\nChannel 0: You're doing really well. So look. It does say you we are gonna buy a little bit more into the Europe investment there. We are gonna sell off the old European and old Japanese investment. They haven't been performing as well.\n\nAnd then we're keeping your exposure into the S and P 500 there, and we're just gonna bring that down from 26% to 20%. Underneath that, you'll see the last couple of all green, so buying a bit so buying a bit more into the beta shares Raffi 200 again. This is giving you some more exposure to the Australian share market there. We've also got some global infrastructure. Just looking at other ways to diversify and have infrastructure in your portfolio.\n\nCore composite bonds. So bonds are sort of thinking about, like, term deposits where you put your money into a bond, and you do get income and coupon payments paid back. So it is really good for defensive or low risk investments. And\n\nChannel 1: Yes.\n\nChannel 0: then we've also got the last two there, which we're buying as well, and that's essentially looking at high interest cash accounts, and the yield plus, again, is just looking at high income earning defensive low risk investments for you. So this is just essentially the changes that we're gonna make to the portfolio, buying and selling different investments that may have underperformed or may not be good to have in the portfolio moving forward, but also reducing your risk level. Okay?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: To make\n\nChannel 1: When\n\nChannel 0: it\n\nChannel 1: you\n\nChannel 0: a little\n\nChannel 1: say\n\nChannel 0: bit ease\n\nChannel 1: risk when you say risk level of losing out, you\n\nChannel 0: yeah.\n\nChannel 1: mean? Is that what you mean?\n\nChannel 0: Yeah. So, essentially, with your portfolio at the moment, you're in that growth portfolio. If you can move down the page for me to page number 20, I can explain that a little more detail so you can see it as well. But at the moment, you're in a growth portfolio. So it essentially sees about 80% of your super in growth assets.\n\nSo you think about things like Australian equities, international equities, the shares, our property, and then also commodities like gold and silver. And those investments are where you're taking on a bit more risk in the market. So by taking on more risk in the market and having more of those investments, you can see good up turns or great performance when the market's performing really well. However, because you are taking more risk, when the market takes a bit of a dip, you can see that downside magnified as well. So you the downside often feels a lot heavier to you.\n\nRealistically,\n\nChannel 1: Yes. Right.\n\nChannel 0: when we're younger, when we have, you know, twenty or thirty or forty years before accessing super, we're comfortable to take on a lot more risk in the market. We want those good returns, but we also know we can. We're not gonna access super or take money out when there is a downtime. So if you think back to COVID, the GSC, and the markets took a really big dip in those times, and it's fine to take on more risk so long as you're not you there's no no chance that you're gonna wanna take money out or retire when we see those down times there. So that's the sort of portfolio that you're in at the moment.\n\nWhen we did your risk profile in your annual review, your score is more of a balanced investor. And, realistically, you were wanting to access super at either 65 or 67, so you are a lot closer to accessing super. So we're wanting to look at reducing that risk level for you, and, essentially, the risk profile that you scored in that balance profile normally only sees about 60% in those growth high risk investments and then sees about 40% in those defensive lower risk investments. So it's kind of evening things out a little bit. You\n\nChannel 1: Mhmm.\n\nChannel 0: still want some of those growth assets like shares and property, and gold and silver because you still wanna get some returns, but you don't wanna take on a huge amount of risk. You don't wanna be seeing a really big downside when the market is down because of what could be happening overseas with another war or, you know, COVID or\n\nChannel 1: Yes.\n\nChannel 0: what happened in the DFC. So it's about sort of looking at what you're comfortable with and making sure that you're invested in the correct risk profile. One of the good things we look at or one of the one of the ways we think about this is looking at time horizon, and that's why we ask a lot about when you're wanting to access super or when you're wanting to retire. Because as I said before, if you have got, you know, twenty or thirty or forty years before you're accessing super, you can take more risk. You're not gonna access the super in the short term when there is that\n\nChannel 1: Yes.\n\nChannel 0: downside occurring. However, when you are only about, you know, four to five or even six years out, you are getting closer to accessing super. So you kind\n\nChannel 1: Yes.\n\nChannel 0: of don't wanna see really big down times and see really large dips in your portfolio just when you're wanting to take money up because it means you have to sort of you have to, you know, cement those losses and take money you may have to take money out in the downtime. Does that make sense?\n\nChannel 1: Yeah. It comes. Yep. Yep.\n\nChannel 0: Yeah. So this is also about reducing your risk level, and that's why we're making the changes that we've got above there. So it's about making sure that we're reducing some of those growth assets, making sure you've got more of these defensive assets, things like cash, fixed interest, or defensive, you know, alternatives out there. Mostly, it's sort of looking at cash and fixed interest investments because they are seeing as better they do, tend to get a good rate of return, and it's about making sure that you're also getting income. So we wanna make sure your portfolio generates income.\n\nThose dividend payments and income are paid into your cash account, and we can reinvest that into your portfolio for you as well for compounding. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Right. Yeah. Yeah.\n\nChannel 0: Yeah. So at the moment, if you look at that table, the risk profile that you scored in with that balanced area, you would normally see about 60% growth investments and 40% defensive. With the way you are at the moment in that growth portfolio, you've got 87.99% in growth investment. So you've got quite a lot more invested than where you would be normally be comfortable, and then only 12.01% in those investments defensive investments at the bottom there. So you can see\n\nChannel 1: Yes.\n\nChannel 0: there's quite a big discrepancy between where your risk profile fits and where you're currently invested in your super. Okay?\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So what we'd be looking to do is make those changes that you see above, which brings your growth investments down to about 65%, and then we increase those defensive investments to 35. So closing that gap a little bit. Does that make sense?\n\nChannel 1: Yeah. It does. Yeah. Yeah.\n\nChannel 0: Yeah. Yeah. Perfect. Do you have any questions at the moment at all?\n\nChannel 1: Yeah. Not that I can really so how much like, when I like, at 65 or 67, whatever age it's gonna be, how much would I\n\nChannel 0: Mhmm.\n\nChannel 1: will I end you can't well, you tell me how much will I end up having in my super.\n\nChannel 0: Yeah. I can actually show you the projection table if you like. If you scroll down to page 21 for me, I've actually got an outline and a projection.\n\nChannel 1: Yeah. I've got it here. Yeah.\n\nChannel 0: Yeah. So you'll see the fee comparison table at the top has your balance. Essentially, you've got $1.45 $2.04 0 now. You currently got your administration fees, investment fees that you pay at the moment, our ongoing service fee for looking after and monitoring everything, contributions based on the income that you've got, and then your insurance premiums there as well. You'll sort of remember from the table above, you've got the 80% growth, 20% defensive, and that puts you in line with that growth asset allocation there.\n\nChannel 1: Mhmm.\n\nChannel 0: And this the return at the bottom there is showing an average five year rolling average over the past sort of five years and how this how this portfolio that you're currently in has essentially looked to perform. Doesn't mean that you're gonna get that every year, but if you stayed exactly where you are in the same risk profile with no changes to your portfolio and you were able to get that 11.24%, over the next two to four years, you could see your super balance end up around this $1.75 to 210 mark. Okay?\n\nChannel 1: Well, it's my time. Yes.\n\nChannel 0: That's where it could be, so long as it was able to get that 11.24%. Now the one thing I do like to sort of talk about is taking utilizing projection tables with a grain of a salt because we know this portfolio that you're currently in, you're taking on a bit more risk at the moment. You do wanna access super in the next sort of shorter term. So being in this kind of growth portfolio does see a higher level of risk in the market. You have more growth investments currently, and there is obviously the risk of having a bit of a downtime there as well over the next few years, which could mean that you may not get to that balance at the very top there.\n\nSo it's sort of important to make sure that, you know, you're aware that this is obviously where we're projecting things forward based on the information we have. However, projections I like to point out should be taken with a grain of salt because, you know, in one year, you could get a 10% return, another year, you get a 20% return, but then we could also see a negative, you know, one or five or 10% return in that five year rolling period as well. Does that make\n\nChannel 1: Yes.\n\nChannel 0: sense?\n\nChannel 1: Right. Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. Yeah. But all things considered, if you stay where you were made, no changes to your portfolio. That's where you could end up. What I'm recommending is on the next side.\n\nSo with the recommendations retaining Netwealth, you'll see your balance is different slightly, and that's because of the $729. Now as I kinda mentioned before, whenever we make changes to your investments, there are tax consequences for your super fund. So your super fund does pay capital gains tax whenever we're buying and selling or making alterations to your portfolio. So that $7.29 is basically the the capital gains tax that your super fund would need to pay or account for after we complete the switch to those investments. Does that make sense?\n\nChannel 1: Mhmm. It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So your balance there would be $1.44 $5.01 1. Underneath that, you have all your administration fees, investment\n\nChannel 1: Yes.\n\nChannel 0: fees, the ongoing service fee, your contribution again,\n\nChannel 1: Yep.\n\nChannel 0: and no change to your insurance premium. The difference being at the bottom there is that we are also looking to reduce your risk level, so moving you into more of a balanced portfolio. And this balanced portfolio has been, over the past five years, a rolling return of about 9.73%. So whilst it is a bit lower than the growth portfolio, it is it's expected that when you're reducing your risk level, that the returns are going to be affected. But you can see here with the balanced portfolio, over the next sort of two to four years, if you were able to get that 9% return every year, you can sort of see your balance grow over that $1.64 to $187,000 mark.\n\nAnd beyond that, it could continue to grow as well. So I\n\nChannel 1: Right.\n\nChannel 0: am honest, and I'll let you know, obviously, reducing your risk level does reduce the returns as well, the expected returns to the portfolio. A balanced portfolio can see greater returns than what you're currently getting at the moment or what is, you know, what it is showing here at that 9.73%. But it's also about making sure that you're in a risk level that's comfortable for you. And as we as I mentioned, as we get closer to retiring, having less of those ups and downs, having more of those defensive assets can sort of protect us against some of those really big drops that we can see over the next few years as well. Does that make sense?\n\nChannel 1: Right. Yeah. It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Did you wanna ask any additional questions here? I know this can be a little bit to go through, but did you wanna did you want me to clarify anything more for you?\n\nChannel 1: I don't think so. What I was\n\nChannel 0: No.\n\nChannel 1: going to ask, so\n\nChannel 0: Sure.\n\nChannel 1: if I get paid a super, do I, like I want to get do I get paid a pension as well because I have a debt for this is all my assets? Or what happens how does it go?\n\nChannel 0: Yeah. Absolutely. So when you are you sort of talking about the age pension at age 67? Or\n\nChannel 1: Yeah. Yeah. When I'm due for that. So how\n\nChannel 0: yeah.\n\nChannel 1: does it\n\nChannel 0: Yeah.\n\nChannel 1: all is that a stupid question? Is it is\n\nChannel 0: No.\n\nChannel 1: it\n\nChannel 0: It's absolutely not. It's a fantastic question, actually. So, Sharon, when you are closer to age pension age, and what I wanna do with you is kinda kinda keep monitoring things and make sure that we're working as hard as we can towards your goals and boosting super where we can. But, essentially, when you're about thirteen weeks out from turning 67, you can apply for the age pension there. What they do is they have a look at all of your assets and your, so all of your assets, so any bank accounts you have, your cars, your contents, basically everything as well as your super.\n\nSo long as all of your assets and income are under certain thresholds, you can still have super and also draw some age pension. And part of what I do is look at advice on how you can structure things so you can draw some out of super but also some age pension because we know your balance is a little bit lower. You are closer to accessing super. So, you know, realistically wise, I'm not gonna expect that you're gonna have, you know, 6 to $900,000 in there. I'm I'm realistic about it.\n\nHowever, even with a balance of 2 or $300,000 in super retirement, we can t team that up with some age pension, and you can still get longevity out of your super, and that's part of the advice that I'm able to provide down the track for you. Does that answer your question?\n\nChannel 1: Yeah. Kind yeah. Sort of. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So I\n\nChannel 0: That's okay.\n\nChannel 1: I wouldn't get I'd only get part what would I get? Part pension and part soup. Is that how it works or what?\n\nChannel 0: Yeah. Well, at the moment, depending on your assets, sir, at the moment, given the assets that I have here, I'm just double checking because with your super balance and just seeing what else I've got noted here. All in all, super's $1.45, and we've got other assets totaling about 153. Realistically, you are, at the moment, eligible to get the full age pension,\n\nChannel 1: Yes.\n\nChannel 0: and then we can also draw a little bit out of so far. But we can assess that down the track much further. But at the moment, based on the assets so that I can see your current super balance and the assets that we have noted, you'd be eligible to get the full age pension, which would give you at the moment, the single rate is about $1,200 per fortnight, and\n\nChannel 1: Yep.\n\nChannel 0: then we could draw just a small amount out of sleep with a supplement the difference to make sure you have enough in the way of living expenses.\n\nChannel 1: Yep. So did you say I that my super is 100 and\n\nChannel 0: Mhmm.\n\nChannel 1: 145. Then\n\nChannel 0: Yep.\n\nChannel 1: what did you what else did you say my other\n\nChannel 0: Yeah. So when we did the annual review last year, we had other assets noted down. So we have a Toyota Corolla. Asset value then was about 13,800. You had about 40,000 in savings in the bank and then\n\nChannel 1: Yes.\n\nChannel 0: also had an investment account with another 6,500, and then you had contents estimated at about 93,000 in value.\n\nChannel 1: Oh, so your conscience insurance in your house.\n\nChannel 0: Yes. So it's not with your the insurance. And, realistically, your contents is valued on your insurance at 93,000. But when we talk about Centrelink and Age Pension, we normally look at fire sale values. So we'd knock your contents down much lower than what it is.\n\nBut even at your current with your current assets that I can see here, you're under the lower threshold. So, realistically, you should be eligible for a full age pension. I'm just double, triple checking these thresholds at the moment for you because I was looking at those earlier. Now you can I double check, Sharon, you're renting out? You you don't own a home?\n\nYou're not a homeowner?\n\nChannel 1: Unfortunately, no. I'm not in that. I don't know whether\n\nChannel 0: No.\n\nChannel 1: it's good or good or bad trying to home these days. I don't know.\n\nChannel 0: Honestly,\n\nChannel 1: But yeah. I know.\n\nChannel 0: it's an it's an individual decision. I mean, it it does mean that you don't have to pay rent. However, there are other expenses like your\n\nChannel 1: Mhmm.\n\nChannel 0: home and contents insurance and, you know, your regular taxes and things like that to cover\n\nChannel 1: Oh,\n\nChannel 0: it.\n\nChannel 1: yeah.\n\nChannel 0: Right?\n\nChannel 1: Yes.\n\nChannel 0: So there are other expenses to be considered in there as well, but it's it's honestly a personal decision.\n\nChannel 1: Yes.\n\nChannel 0: At the moment, for a single person as a non homeowner to be able to access full age pension, total assets need to be less than 759,500.\n\nChannel 1: I come way under that, don't I?\n\nChannel 0: Absolutely. Yes. So given your current circumstances, even with the changes and the projected outcome, it does look like you're under that threshold. So we might be able to down the track book of getting full age pension and then work out the shortfall of what you need income wise and be drawing a smaller amount out of super just to supplement that and\n\nChannel 1: Yep.\n\nChannel 0: try to make sure we get as much longevity out of your super as possible.\n\nChannel 1: And and like\n\nChannel 0: Okay?\n\nChannel 1: that like, when you're drawing that little bit out all the time, it's\n\nChannel 0: Yep.\n\nChannel 1: it's it's it still makes the super that's in there work, doesn't it? It's still working.\n\nChannel 0: Absolutely. Yeah. Definitely. So\n\nChannel 1: Like,\n\nChannel 0: you keep the\n\nChannel 1: because\n\nChannel 0: super\n\nChannel 1: you're\n\nChannel 0: invested.\n\nChannel 1: drawing\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: Yep.\n\nChannel 1: you're drawing on it, you're still not gonna get as big returns, but you could still get you still get returns on it.\n\nChannel 0: Yes.\n\nChannel 1: Don't you?\n\nChannel 0: Absolutely. Absolutely. So one of one of the good things is we would move you fully into essentially the pension. Because at the moment, you're in the accumulation side of things. You're accumulating that wealth towards your goal of being able to start working and retire.\n\nSo when you actually do retire at 65 or 67, whenever it's comfortable for you, we'll move you into pension phase. At the moment within so far, your your income and your capital gains is all taxed at 1510% of your, you know, your assets are held for over twelve months. You get a bit of a discount on CDT. However, in pension phase, there's no income tax, and there's no CGT consequences. There's no taxation whatsoever.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: that's\n\nChannel 0: any\n\nChannel 1: kinda\n\nChannel 0: income\n\nChannel 1: working\n\nChannel 0: that you're\n\nChannel 1: in my favor.\n\nChannel 0: it absolutely does. Yeah. So your fund doesn't pay income taxes. There's no CGT consequences. You'll be able to draw some income completely tax free for yourself as well.\n\nAnd so that pension phase is essentially a tax free sheltered area for you. We would be drawing just a small amount of money out that you need on a regular basis, maybe weekly or fortnightly, however much you need and whatever time frame you need to supplement the age pension. And then the money that's left in there remains invested. So you do wanna be making some income to help draw down those payments, but also having some growth in there as well to kind of help build and keep your super working as long as possible. So that's that's all what I sorta do when you get closest to that age.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, you know\n\nChannel 0: It's\n\nChannel 1: you\n\nChannel 0: pretty\n\nChannel 1: know\n\nChannel 0: cool.\n\nChannel 1: what? I'm sorry.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. Wish I had a known about twenty years ago when I was\n\nChannel 0: Oh,\n\nChannel 1: set up there.\n\nChannel 0: it's\n\nChannel 1: I was\n\nChannel 0: okay.\n\nChannel 1: like, oh, I just I wish I had a known. I would have been so much better off set up, but I just can't\n\nChannel 0: Oh,\n\nChannel 1: help\n\nChannel 0: I\n\nChannel 1: certain\n\nChannel 0: do understand. Yeah.\n\nChannel 1: I can't help\n\nChannel 0: No.\n\nChannel 1: circumstances. But I don't know. Kind of, you know, I've trying to work this.\n\nChannel 0: Yeah.\n\nChannel 1: You know? I've\n\nChannel 0: Absolutely.\n\nChannel 1: done my best, but I\n\nChannel 0: Yeah.\n\nChannel 1: I would have liked to have been in a different position and owned a home. But, obviously, my\n\nChannel 0: Of\n\nChannel 1: things\n\nChannel 0: course.\n\nChannel 1: will work out that way. But I know I'm doing my best, and I know. I'm just so pleased. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: That's so happy.\n\nChannel 0: No. That's that's understandable. And, look, you've still got a bit of time on your side now, so we're doing what we can now to sort of get things working and keep you on track. You've done really well thus far, but we're just gonna keep track of you a little bit longer there and look at what else we can do. The other thing I wanted to be talked about was looking at other strategies.\n\nBecause you are over the age of 60 now, do you remember us talking about that transfer time strategy where you can sorry. Increase your contributions in the super and also take a little bit of money out? Do you remember talking to me\n\nChannel 1: Yes.\n\nChannel 0: about that last\n\nChannel 1: Yep.\n\nChannel 0: time? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So I've also incorporated that for you. If you can go down to page 25 for me, I'll take you through how this works.\n\nChannel 1: Twenty twenty six twenty five Twenty. And I've lost 25 amongst it. Have\n\nChannel 0: That's\n\nChannel 1: I? No.\n\nChannel 0: okay.\n\nChannel 1: I haven't.\n\nChannel 0: You're\n\nChannel 1: No. Here\n\nChannel 0: fine.\n\nChannel 1: we go. Oh, I've got it. I've found it.\n\nChannel 0: Yeah.\n\nChannel 1: Have I found it or not? Here we are.\n\nChannel 0: It\n\nChannel 1: I've\n\nChannel 0: should\n\nChannel 1: got\n\nChannel 0: be a blue box. It should say, Sharon, command to transition to retirement strategy.\n\nChannel 1: it. Yeah. That's it. That's it. I've got it.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now the way we're sort of looking to do this and the way this sort of strategy works is that we're able to move a certain portion of your funds into the account based pension side. It's called a TTR pension, a transit retirement pension account. We do have to leave about 10,000 behind, and the strategy I've worked out on the second line here, it shows you that we're gonna commence that with a 134,411, and we're gonna leave that 10,050 in your current accumulation account. So you'll end up with two super accounts.\n\nOne super accumulation as you have it now. The next one's gonna be like a a it says pension account, TTR pension account on there, and you'll see the funds distributed between the two accounts.\n\nChannel 1: Yep.\n\nChannel 0: What we're going to do, and I'll go through this a little bit easier. If you scroll down past that writing because it can be a bit confusing, if you scroll down to page the bottom of page twenty six and twenty seven there, I've actually got a table that outlines this. And when we sort of spoke last time, you sent me a copy of your two payslips. So I was able to have a look at your payslips to work out what your average earning capacity is and so\n\nChannel 1: Yep.\n\nChannel 0: we can look at how best to keep your take home pay as much the same as possible. Okay?\n\nChannel 1: Yes.\n\nChannel 0: So what I had to look at because you are an aged care worker, you do get different penalties and do work, you know, some additional shifts here and there. So what I've done is I've taken your highest payslip, worked off your gross income, and projected that forward to make sure we're not exceeding any contributions caps at all. But, essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: when I had a look at your pay slip and evened it out over the course of the year, it did show me that your gross income for the year is expected to be about 65,115. Can I double check? Would that have changed since would you be on anything more than that since we last caught up? Would that be\n\nChannel 1: Mhmm. No. My pays really don't change at all because I there's quite a few of us at work that just do day shift. I don't do afternoon or night shift or just do day shift. I've been there that long, but, yeah, we've got our\n\nChannel 0: Okay.\n\nChannel 1: shifts\n\nChannel 0: Yeah.\n\nChannel 1: and that's it. Yeah.\n\nChannel 0: Beautiful. Excellent. So we've worked out your income here. So what essentially happens is and you'll see the current position and proposed position. The proposed is what we're gonna do to make the changes.\n\nEssentially, having your income at that 65,115 gross, at the moment, there's no salary sacrifice contributions. So you'll see your net income, your net taxable income is about 65. So it's your gross taxable net income. Gross taxable income, I'm sorry, Sharon. If I could talk this afternoon,\n\nChannel 1: Yes.\n\nChannel 0: it would be okay. I'm being\n\nChannel 1: Yes.\n\nChannel 0: tongue tied.\n\nChannel 1: Yes.\n\nChannel 0: It's $65.01 $1.05. And then the income tax on that the income tax taken out is 11,601, which essentially means that your take home pay is about 53,514 there. Okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: With the proposed column, we start again at the top with your your gross income, and then we're gonna increase your salary sacrifice contribution. So for the year, we're gonna then put 20,200 in there that you get paid on a fortnightly basis. So\n\nChannel 1: Yes.\n\nChannel 0: I'll work it out for you as a fortnight. It would be about $776.92 per fortnight. That we increase your contributions in to supervise that amount. And then you'll see there that does decrease your take home pay. So your take home pay decreases to 44,915.\n\nIt also decreases your income tax. So your income tax goes from 11,601 to 4,843. Now because we know increase in the contributions reduces your take home pay, we don't want that. So under the strategy, you'll see on the bottom there, the pension withdrawal. It's the second column from the bottom of that same table.\n\nThe number 13,000\n\nChannel 1: On '20\n\nChannel 0: four 40\n\nChannel 1: on\n\nChannel 0: one.\n\nChannel 1: where was that? On\n\nChannel 0: So on the same line, look at the second last column from the bottom there. It says pension withdrawal, and the number is $13.04 $4.01.\n\nChannel 1: oh, yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So with the recommendation, we're increasing your contributions in the sofa. It reduces your take home pay. So then under this strategy, we're able to then withdraw that $13,000 on a yearly basis or if I work at per fortnight, $516 from your transition pension account to your bank account. The money you're taking out of super is completely tax free, and you're putting more money into super than you are taking out.\n\nBut it brings your take home pay back to the same level.\n\nChannel 1: Oh, you've lost me.\n\nChannel 0: That's okay. That's okay. So to run through it again for you, we're starting off with 65,115. That's your\n\nChannel 1: Yes.\n\nChannel 0: gross income for the year. We're gonna increase your contributions to super by 20,000. So $65.01 $1.05 minus that 20,200 means your taxable income is reduced to 44,915. And then the income tax is deducted to 4,843. That comes off that $44.01 9, which means your net take home pay is 40,072.\n\nBut under the current scenario, your take home pay is currently 53,514. So we wanna get that back to that 53,500 mark. So you can withdraw that 13,000 out of super, 13,000 on top of that $40.00 $7.02 brings you back to your actual take home pay.\n\nChannel 1: Right. Okay.\n\nChannel 0: It's okay.\n\nChannel 1: But does\n\nChannel 0: It is a lot. Yeah.\n\nChannel 1: does this does this play around with my pay like, my pay slip and stuff? Or\n\nChannel 0: Yeah. So what we'll essentially do is we'll give you a salary sacrifice letter, which tells you how much to put into super. Your employer will organize that along with your contributions. They will put that money into super pretax as part of the salary sacrifice, and then we will organize that withdrawal of that 13,000, which is about $516 on a fortnightly basis. We'll organize that to come out of your pension account so it hits your bank account.\n\nSo the income you get from your employer plus the amount you're gonna take out of super will replenish your income. It keeps your take home pay exactly the same. It's about a dollar difference from what I've worked out here, but it keeps your take home pay basically exactly the same for the year, and it means that you're putting a lot more money into super to provide a a greater benefit inside super. Does that make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: So when so when does this start?\n\nChannel 0: So if you decide to take on these recommendations, we will essentially settle this up straight away. What we will do first is we'll start by doing the investment switch, then we open the pension account. We move the money over, and then we give you the letter with the salary sacrifice. The way I like to work this out is that we'll let you know when the first pension payment is due so you can tell your employer when to start the salary sacrifice. I never want your salary sacrifice to start prior to your pension payment coming down because otherwise, you end up with a bit of a shortfall.\n\nSo when we know when your first pension payment is due to be drawn down, which replenishes your income, then you can start your salary sacrifice. Does that make sense?\n\nChannel 1: Yeah. Come here. So\n\nChannel 0: That's\n\nChannel 1: salary\n\nChannel 0: okay.\n\nChannel 1: sacrifice\n\nChannel 0: You\n\nChannel 1: is that a step\n\nChannel 0: yeah.\n\nChannel 1: do you salary sacrifice yourself? No.\n\nChannel 0: Your employer does it. So you just tell your employer you wanna make x contributions in the super, and they organize that the same as they do with your employer contributions. It comes out pretax.\n\nChannel 1: Yes. I'm already salary sacrificing.\n\nChannel 0: In the super or is it salary packaging?\n\nChannel 1: Salary packaging.\n\nChannel 0: Yeah. So this is a little bit different. So you've got what's called salary sacrificing or salary packaging, which is paying you can use it for rent or use it for paying off a car or a lots of other options. This type of salary sacrifice is where money is taken out of your income pretax and put into super.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. And because and at your marginal tax rate of, say, 30% or, you know, plus the Medicare levy, so 32%, inside super, that extra 20,000 is only ever they only take 15% tax. So you're essentially putting more money into super. It's taxed at a lower rate in super, and that money stays invested for you. Does that make sense?\n\nChannel 1: Yeah. It does. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: So I still take home so at the end of at just at the every fortnight, when I get my pay, I still take home the same amount.\n\nChannel 0: Yep. Yeah. Yep. Correct. It's just that it comes from two two different areas.\n\nSo, essentially, we're putting money into super. You're taking some out to replenish your income, and your fortnightly yearly income will stay the same.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: It's\n\nChannel 1: think\n\nChannel 0: a\n\nChannel 1: I'm\n\nChannel 0: lot. I know.\n\nChannel 1: it is a lot to take on. Yeah.\n\nChannel 0: It is a lot. It is a lot, but it is a really cool strategy. It's a great way to sort of be making sure you're able to put more money into super so you have more invested providing that benefit inside super. But at the same time, by making additional contributions to super, your take home pay is affected. And living expenses are a lot at the moment.\n\nSo this sort of strategy allows you to put money in the super, but also to have some taken out so that your take home pay isn't affected, but you're still able to add more money into your super. Does that make\n\nChannel 1: Yes. Yeah. It does. So\n\nChannel 0: sense? Yeah.\n\nChannel 1: at the moment, I I know what I saw. I sacrificed 600 and something. I saw a sacrifice, a salary package. That's\n\nChannel 0: Package.\n\nChannel 1: what this\n\nChannel 0: Yep.\n\nChannel 1: is. This is what this is.\n\nChannel 0: Yeah. It is a little bit different. The salary packaging is where you're moving money pretax from your income into other areas. It could be going on to a debit card for usage elsewhere. It could be going into your rent.\n\nI'm not sure where your salary packaging to.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That\n\nChannel 1: It\n\nChannel 0: is\n\nChannel 1: goes on my rent. Yeah. Yeah.\n\nChannel 0: yeah.\n\nChannel 1: My own\n\nChannel 0: So\n\nChannel 1: list.\n\nChannel 0: you're just you're just doing your rent pretax to cover your rental expenses. Yeah.\n\nChannel 1: And the salary what you're doing,\n\nChannel 0: Yep.\n\nChannel 1: is that is that the\n\nChannel 0: It's\n\nChannel 1: same?\n\nChannel 0: very very similar. So the money goes out of your income pretax and into your super fund and gets invested along with your employer contributions.\n\nChannel 1: And so when it does that, like, when it's salary sacrifice out of it, it I mean, because when I salary sacrifice now, like, it goes back in.\n\nChannel 0: Mhmm.\n\nChannel 1: It goes out. Like, I get my pay slip, but it's in there the next day. The salary sacrifice is in there the next day. The salary is\n\nChannel 0: Yep.\n\nChannel 1: that package is that what'll happen?\n\nChannel 0: So sorry. I think I've lost you a little bit there. So the what do you mean by the next day? Do you mean the money's in soup for the next day or the money's in your bank account the next day? I'm so\n\nChannel 1: The\n\nChannel 0: sorry.\n\nChannel 1: money's back in my money's in they sell so they salary package it, salary sacrifice\n\nChannel 0: Yep.\n\nChannel 1: it,\n\nChannel 0: Yep.\n\nChannel 1: take it\n\nChannel 0: Yes.\n\nChannel 1: out, and then it's back in there the next day.\n\nChannel 0: So the way this works is that your there's often a little bit of a discrepancy around the days. The money would be put from your from your from your income pretax into super and at certain points. So we can set up each week or each fortnight on a certain day. It can coincide with your income with your income from your employer, and we tell your super fund when to make those income payments. And those income payments go into your bank account, but we can make those work in line with your with your pay week.\n\nAbsolutely.\n\nChannel 1: You can. So, like, once\n\nChannel 0: Yeah.\n\nChannel 1: a fortnight\n\nChannel 0: Yeah.\n\nChannel 1: when I get paid, you can\n\nChannel 0: Yep. Yep.\n\nChannel 1: make that work. Like, I think\n\nChannel 0: Yep.\n\nChannel 1: this this week's pay\n\nChannel 0: Definitely.\n\nChannel 1: week. So\n\nChannel 0: Yep.\n\nChannel 1: on the Thursday, that could potentially go back in there on on that in that account on the Thursday.\n\nChannel 0: Yeah. Absolutely. See, we're it's about just setting up because it happens in two different areas. The money comes from your income to super happens one day your employer organizes that with your payslip. The money coming out of super to replenish that is a whole different scenario.\n\nWe're setting up two separate transactions. One from your employer to your super fund, the other one from your super fund to your bank account. The one from your super fund to your bank account, we can organize to happen on a certain day that suits you. We can happen on a weekly basis. It can happen in line with your income.\n\nSo if this week is your pay week, we could make that a start of the same day as your pay week. We can have it happen the day before or the day of. That way, it's in there either the day of or the day after, whatever suits you. And it just happens every fortnight, essentially. We can even do it the opposite way to your pay week if you want.\n\nSo we can set it up however is com comfortable for you.\n\nChannel 1: Yeah. That's what, like, me that's what I prefer for it to be done on the\n\nChannel 0: Yeah.\n\nChannel 1: Thursday that I get I get my salary sacrifice back in. Do you know what I mean?\n\nChannel 0: Yeah. Absolutely. What we sort of also do is we when we set this up, we always set up the pension first and find out when the first drawdown, when the first pension payment is due to you. That way, you receive the first pension payment before you start your salary sacrifice into super. We do that because if we did it the other way, the salary sacrifice comes out, and then you find you might be left a little bit short because your income's your take home pay isn't being replenished in time.\n\nSo I like to start it so we start your pension withdrawal first, and then when we know the first payment, then you can let your employer know to start that salary sacrifice payment for you. Does that make sense?\n\nChannel 1: It does. I'm just a little bit worried\n\nChannel 0: Yeah.\n\nChannel 1: about it. But, yeah, I'm a bit bit\n\nChannel 0: That's\n\nChannel 1: worried\n\nChannel 0: okay.\n\nChannel 1: about it happening. Because I don't wanna\n\nChannel 0: That's\n\nChannel 1: be\n\nChannel 0: okay.\n\nChannel 1: left short of money because there's only just me. Yeah.\n\nChannel 0: Yeah. No. Definitely. We'll have a look through it. I mean, the way this works is that, you know, you don't have to pay out as much as what you put in because of the tax side of things.\n\nBut when you sort of calculated the 65, sorry, minus the 20,000, it brings you back to $44.09 $1.05, and then you've got your tax there as well. Ultimately, that means that your net income is 40,072, and then replenishing it with the 13,000.\n\nChannel 1: Are you there?\n\nChannel 0: I'm so sorry, Sharon. I just had a bit of a coughing fit.\n\nChannel 1: That's okay. Yep.\n\nChannel 0: Sorry about that. I'm so sorry about that. I just had a little bit of a coughing bit. Yeah. But, look, there's no there's no if you're not comfortable taking it on, what you don't ever have to It's about showing you ways that we can look to boost the super and\n\nChannel 1: Mhmm.\n\nChannel 0: also make sure to re replenish your income for you as well. Okay.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: That that was my only concern. I like I know.\n\nChannel 0: Yeah.\n\nChannel 1: It might sound funny, though, but I just need to know that my my pay like, I'm so used to having my\n\nChannel 0: No.\n\nChannel 1: pay in my bank\n\nChannel 0: Absolutely.\n\nChannel 1: account on the Thursday. All of it, like,\n\nChannel 0: Yeah.\n\nChannel 1: it goes in there Wednesday night, but, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: the salary sacrifice comes out, then the salary sacrifice goes. The salary sacrifice money comes back in on the Thursday. I\n\nChannel 0: Yeah.\n\nChannel 1: just I from my point of view, I just like to know that it's all in there and above board on the Thursday. Do you know what I mean?\n\nChannel 0: Yep. Yeah. Absolutely. And we can work with you to make sure that those pension withdrawals are set up on the day, you know, that you need them to be in there, that's not a problem at all.\n\nChannel 1: So you withdraw oh, you've lost it. Withdraw the\n\nChannel 0: Yep.\n\nChannel 1: salary hang on. Withdraw the salary sacrifice,\n\nChannel 0: Yep.\n\nChannel 1: and then it goes back and that money goes into my super,\n\nChannel 0: Mhmm.\n\nChannel 1: and then you put it back in my account. Is that right?\n\nChannel 0: Yeah. Yeah. So think of it like two very separate transactions. It is a little bit different the way it works for salary packaging because when their salary packaging goes out then comes back in when salary sacrifice, your employer when they do your income or your pay, they're going to then increase the amount that they put in the super. So\n\nChannel 1: Yes.\n\nChannel 0: just like they do with your pay and your employer contributions, they'll hold a separate amount aside out of your income, which goes into your super fund up here. And then we because your take home pay is reduced, we then set up a separate withdrawal from your pension your super pension account, and we withdraw that down to your bank account.\n\nChannel 1: Wait. The\n\nChannel 0: And\n\nChannel 1: the\n\nChannel 0: that\n\nChannel 1: super\n\nChannel 0: replenishes your income. Sorry.\n\nChannel 1: say you withdraw the money out of my super that super pension account.\n\nChannel 0: Yep.\n\nChannel 1: Withdraw that out of my super.\n\nChannel 0: Yeah. That's correct. Yes.\n\nChannel 1: Okay. I'll I'll okay. I've kind of got it. You need to probably\n\nChannel 0: That's\n\nChannel 1: need to\n\nChannel 0: okay. That's absolutely fine. The idea is and you'll see the difference. We are we're putting in 20,200 over the course of the year, but we're only withdrawing out $13,004.04 1. So it works because you're putting more money into super from your income, and\n\nChannel 1: Yes.\n\nChannel 0: you're drawing a little bit out of super to keep your take home pay the same. The amount you take out of super, because you're over 60, is completely tax free.\n\nChannel 1: Yeah. Oh, okay. Yeah. Right. Yeah.\n\nOkay. I'm with you now. Yep.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's done. Okay.\n\nChannel 0: That's okay. It's a lot to get your head around. It's absolutely fine.\n\nChannel 1: I'm still trying to, but I'm trying to I'm trying to get in it. Yeah.\n\nChannel 0: That's okay. That's alright. You're welcome to ask anything more you have. I'm I'm here I've booked you in for lots of time, and and it can be a very complex strategy to do, and it does take us a bit of time to put it together. So, you know, ask any questions you have.\n\nTake some time to read it over, and do come back if you do have additional questions there. Okay?\n\nChannel 1: Okay then. Did you can you post your hard copies of these?\n\nChannel 0: Yeah. We absolutely can. Did you want one posted to you?\n\nChannel 1: Could you oh, I'm probably being a pain if you could.\n\nChannel 0: No. Yeah. Absolutely.\n\nChannel 1: So\n\nChannel 0: Not a problem.\n\nChannel 1: potentially, if you were to do this, would that boost my super from those figures that you gave me or not?\n\nChannel 0: Yeah. I would. Yeah. So on that page with where you are at the moment, if you scroll down a little bit further for me, down to sorry. I've got a projection table here for you.\n\nDown to page number 34.\n\nChannel 1: 34,\n\nChannel 0: Yep.\n\nChannel 1: 40. Oh my god. Here's 38, 36, 36, 35. 34. Righty.\n\n34. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So this is a fee comparison table. It's another projection table there. Just looking at the recommended, you'll see your two net wealth accounts. You start with having 10,050 sitting in the super side of things, and then your TTR pension has that one thirty four four four one.\n\nYou'll have the administration fees, investment fees, the ongoing service fee for us looking after everything is distributed\n\nChannel 1: Yes.\n\nChannel 0: across. Your total contributions increased in the super, and then you'll see your pension withdrawal of the $13.04 $5.01 there. So your pension withdrawal will come out of that account. Your contributions go into the super account. And with the the investment changes lowering your risk and being in a balanced portfolio, over the next two to four years, you can see we do end up with a bit more as per the projection below there.\n\nChannel 1: On hang\n\nChannel 0: It's below. So below that fee table, you've got the the projection table there\n\nChannel 1: on.\n\nChannel 0: with\n\nChannel 1: Love\n\nChannel 0: two and\n\nChannel 1: some\n\nChannel 0: four years.\n\nChannel 1: comparison in two years.\n\nChannel 0: Yep.\n\nChannel 1: So instead of it saying recommended 170 hang on. So it'll be\n\nChannel 0: It'll\n\nChannel 1: so\n\nChannel 0: go up to that $1.70. Yeah.\n\nChannel 1: but what's the current $1.75, though?\n\nChannel 0: That's if you don't make any changes. So that's if you stay in the same super account, don't change the portfolio, don't lower the risk level, you stay in the same portfolio you're in. Obviously, being in a higher risk portfolio, not making any changes there, you can be in a better position. And the whole thing about this is you're lowering the risk level as well. So by doing a strategy, you're able to sort of close that gap a little bit.\n\nBut by reducing your risk level in the portfolio, taking less risk in your super, you'd we do expect less returns. So there is gonna be a gap between where you\n\nChannel 1: Oh,\n\nChannel 0: are currently\n\nChannel 1: I think\n\nChannel 0: projected to where you\n\nChannel 1: Currently,\n\nChannel 0: might be projected.\n\nChannel 1: what\n\nChannel 0: Yeah.\n\nChannel 1: currently, with the weight left now, I could potentially\n\nChannel 0: Yep.\n\nChannel 1: get a 175. But with\n\nChannel 0: Yes.\n\nChannel 1: reckon what you've just recommended me,\n\nChannel 0: Yep.\n\nChannel 1: I'd get a 170,000.\n\nChannel 0: Hundred and 70. Yep.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: so\n\nChannel 0: Or\n\nChannel 1: the\n\nChannel 0: a 197 in\n\nChannel 1: so\n\nChannel 0: four\n\nChannel 1: the\n\nChannel 0: years'\n\nChannel 1: that's\n\nChannel 0: time.\n\nChannel 1: the difference. That's the 13\n\nChannel 0: It is.\n\nChannel 1: thousand. So\n\nChannel 0: Yes.\n\nChannel 1: so that'll be with doing this patient thing set up as well?\n\nChannel 0: Yep. Yeah. Correct. Yeah. So it is closing the gap a little bit, but we're knowingly we do expect lower rates of returns.\n\nAnd look, the markets could perform much better. You could get a much greater return than that 9.73%. You could get a 20% return or a 15% return one year. So you could end up with definitely more of this. And with this strategy, we refresh it every year.\n\nSo we come back and review what you're earning, what your pay, what your income looks like, how your super's been working. If it doesn't work, we can close it off and roll everything back and go back to looking at other strategies, or we can always do a refresh where we roll everything back to accumulation, start again in the pension, rework your draw downs and what you can put into super, and keep kind of refreshing the strategy so it's working for you each year.\n\nChannel 1: Right. Okay. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'll get another one of these calls from you next year to see how things are going too, won't I? Right?\n\nChannel 0: Yeah. Absolutely. We'll do an interview in a few months' time to see how things are going so far. And then, yeah, absolutely. We'll, you know, touch base when you hit that twelve month mark, look at what's changed in your life and how everything's going, and then we can look to refresh the strategy for you.\n\nYeah.\n\nChannel 1: Right. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Okay. I can't yeah.\n\nChannel 0: Okay.\n\nChannel 1: I yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So it's a lot to take in, but\n\nChannel 0: It\n\nChannel 1: yeah.\n\nChannel 0: is. I absolutely understand that it is it is a lot to take in. It is a very complex strategy to it. It is really cool because this is not open to people when they're under the age of 60. Unfortunately, you've gotta be 60 to be able to access these social strategies.\n\nBut there it is a good way to be able to put more money into sofa. That way, you're providing a greater benefit, having more money invested, but also being able to draw a little bit out of your sofa. So but as as I sort of said before, this is just the recommendations. It is up to you whether you take the recommendations. You do not have to in any way.\n\nIf you decide you don't wanna take that transition strategy just yet, you wanna maybe hold off and, you know, look at something else, we can absolutely do that. You can look at just making contributions if you want to, just doing the investment switch and seeing how things go. Essentially, the advice document is outlining the recommendations to show you where we can sort of hopefully put you in a better position down the track.\n\nChannel 1: Yes.\n\nChannel 0: But at the end of the day, it's just within your comfort level as well, and I don't ever want you to feel like you have to take on the recommendations. You're allowed to say, I'm not quite comfortable yet. Let's hold off for a few months and come back and revisit that. And that's absolutely fine.\n\nChannel 1: Okay. That I yeah. I just yeah. I, like, I would certainly,\n\nChannel 0: Yeah.\n\nChannel 1: like, really, really consider that pension thing. Yeah. I'm\n\nChannel 0: Yeah.\n\nChannel 1: not ready to jump into it straight away. But\n\nChannel 0: That's okay.\n\nChannel 1: so so you're gonna go in now and change change the way it works around or not not until I sign this document?\n\nChannel 0: So what we'll do, on the very last page of the document there, you'll see where it's got your site your name and a little signing box there. You've got\n\nChannel 1: Yes.\n\nChannel 0: a little text box. In there, if there's any sort of a strategy you don't wanna take on board or you wanna hold off on, we just get you to write a little blurb. So in if they're in, say, you don't want the the TTR strategy, just say, hold off on the pension strategy or I just want the investment switch. And just a little bit of instruction as to what you want us to follow, and that's absolutely fine. We'll follow that direction for you.\n\nOkay?\n\nChannel 1: Okay. And also\n\nChannel 0: Yeah.\n\nChannel 1: if if no. So your so your well, recommendation is to make it more secure for me is to stop is to to go with this strategy with the changing around of things like,\n\nChannel 0: Yes.\n\nChannel 1: hey. Yeah. So it makes it more secure for me.\n\nChannel 0: Yeah. Yeah. Yeah. So it's about making the changes to the investment profile. It's reducing the risk level that you're taking and also, you know, making putting you in a better performing investments and lowering the risk, trying to sort of make it so you don't feel those ups and downs as drastically and try to get long term\n\nChannel 1: Yes.\n\nChannel 0: consistent returns as well. But, yeah, the pension strategy is also about trying to increase your contributions in the super because markets will work and can only work so far. Contributions go a long way to assisting that, and this sort of allows you to make contributions without having to affect your take home pay. But it's not something that everyone talks about, and it's something that sometimes people are a little bit hesitant about. And if you just decide to hold off on that side of things, that's okay.\n\nYou can tell me to call back in a month or two or three, and we revisit that. I can do this again in a few months time for you. It's not a problem at all. Okay?\n\nChannel 1: Okay. Alright. And\n\nChannel 0: Yeah.\n\nChannel 1: so where did you say I write down what I don't want?\n\nChannel 0: Just on the the very last page. So the page number, just so you've got it there, is page number 48, and you should see a text box there.\n\nChannel 1: It's got my signature and it's got the date.\n\nChannel 0: Does it have a little text box at all?\n\nChannel 1: Got it, like, a long one at the top at the\n\nChannel 0: Yep.\n\nChannel 1: top of that.\n\nChannel 0: Yeah. That's the one. Yeah. So you'll just write a little blurb in there just saying, you know, something that you do or don't want.\n\nChannel 1: Oh, I see. Okay.\n\nChannel 0: Yep. Yep. And\n\nChannel 1: Alright.\n\nChannel 0: if you get stuck, just give us a call. We can certainly help you along, but it's not a problem at all. Okay?\n\nChannel 1: Alright. Okay.\n\nChannel 0: All good.\n\nChannel 1: I'm sorry\n\nChannel 0: As\n\nChannel 1: I took\n\nChannel 0: part\n\nChannel 1: so\n\nChannel 0: of\n\nChannel 1: long, and I took a long\n\nChannel 0: no.\n\nChannel 1: lot to understand\n\nChannel 0: Please\n\nChannel 1: it all.\n\nChannel 0: don't. It's absolutely fine, Sharon. As I said, this isn't stuff that everyone is aware of, and these sorts of strategies is why us as advisers come up with these sorts of things to sort of help you along because it's not something everyone's aware of. So we like to kind of put the options out there and show you how this works. And if you're comfortable taking it, absolutely.\n\nIf you're not, don't worry. Please don't ever apologize. It's absolutely fine. I can come back and do this again. I actually really enjoyed doing putting these things together for you.\n\nSo I'm more than\n\nChannel 1: Yes.\n\nChannel 0: happy to go back and revisit it, look at it again. We can just, you know, make some small changes now then come back and do your review in a few months' time and then, you know, look at what changes we can make then or what you're comfortable looking at or what's changed in your life. Or if you just decide to make, you know, you wanna maybe make some additional contributions, we can do that as well. There's lots of different ways to sort of boost your super and lots of different things that we can do there for you. Okay?\n\nChannel 1: But that one that one you've offered me is doesn't make any difference to anything then, does it? Like, really?\n\nChannel 0: Well,\n\nChannel 1: I still\n\nChannel 0: it is the best way to go because you're putting more money in the super, but you're also taking some out to replenish your income\n\nChannel 1: yes.\n\nChannel 0: If you decide to not do the the pension account side of things and just make additional contributions, that's absolutely fine, but it does reduce your take home pay. So these TTR strategies are the best way to go because you are keeping your take home pay the same, reducing your income\n\nChannel 1: Yes.\n\nChannel 0: tax, and also making more the super. But it's not always something someone's comfortable doing, and that's that's okay. Yeah.\n\nChannel 1: Yeah. I yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway, I just yeah. Anyway,\n\nChannel 0: It's\n\nChannel 1: as I said, I feel like\n\nChannel 0: okay.\n\nChannel 1: I'm questioning it all, but I I can understand.\n\nChannel 0: No. You're\n\nChannel 1: But\n\nChannel 0: fine.\n\nChannel 1: as I said to you,\n\nChannel 0: Yeah.\n\nChannel 1: my only fear and I there is a fear that I I just I just like to know that that money is back in my account on that payday\n\nChannel 0: Yeah.\n\nChannel 1: every Thursday. That's my only little fear. It's just a tiny fear, but\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: That's okay. And and as I said before, like, we will not do it. We won't send the salary sacrifice letter until that pension account is set up, until we have your first pension payment drawn down. That way, you've got that as a backup. We know the first payment's worth.\n\nIt's in your bank account, and then we can set that salary sacrifice option up and have that money moved into super for\n\nChannel 1: Right. Okay.\n\nChannel 0: you.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm sorry I've\n\nChannel 0: Okay.\n\nChannel 1: kept you so long. Yeah.\n\nChannel 0: No. You're absolutely fine. It's not a problem at all. I will also let you know after those recommendations. We've also made recommendations on your beneficiaries.\n\nSo you wanted your adult children, but we sort of talked about the tax consequences there. So money from super and from your life insurance proceeds that are paid to nontax dependent, it does mean they have to do they do have to pay tax there. So I am making recommendation that you owe to the beneficiary to be your legal personal representative. That essentially means that in the event of you passing, that the super annual life proceeds are paid to your estate, and then you just need to make sure you have a will drawn up so that it is directed to your kids. And that way, you can actually it does reduce the amount of tax they do pay.\n\nSo it just saves them a little bit of extra tax, meaning they can get a bit more out of them out of it. And you will you have a lot more say in where that money is directed and how it's directed to them.\n\nChannel 1: Okay. So I get my wheel done and get that put in the wheel.\n\nChannel 0: Yep. And we'll alter the beneficiaries here to be put towards your will.\n\nChannel 1: So if I was to alter, like, alter the beneficiaries, who do I\n\nChannel 0: Yep.\n\nChannel 1: put it on API, the person that's in charge of my will or something or what? No. How do you who who do I believe it to?\n\nChannel 0: So you wanted your life insurance proceeds and your super left to your adult children?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So, essentially, what we would do is we'll update the beneficiary nomination. So they say LPR on your super and your life insurance.\n\nChannel 1: Yes.\n\nChannel 0: And if in the event you would have passed away, you just gotta make sure you have a valid will. And\n\nChannel 1: Yeah.\n\nChannel 0: as part\n\nChannel 1: Right.\n\nChannel 0: of that will, you just need to make sure in the will and just you can speak to a solicitor. They can draw up a will. We can provide you with some details on a local solicitor, or you can get a free will kit done up. You just go to the post office and buy a will kit. There are often a point where some of the banks and other finance institutions will let you know they're doing free will kits as well.\n\nBut just having a will drawn up and in the body of the will, making sure it does stipulate that your super and life proceeds are be to be directed across and where you want those to be directed to. So, to. So, essentially, in the event you were to pass away, your super and your life insurance money is sent to your estate. All your other assets are sold off or accumulated. Everything is pulled together, and then it's directed out to your kids as per the direction in your will.\n\nDoes that make sense?\n\nChannel 1: Right. Okay. So so what did you say l p new?\n\nChannel 0: Legal personal representative. It stands for it's LPR, stands for legal personal representative. It's a funny\n\nChannel 1: Oh,\n\nChannel 0: word\n\nChannel 1: so it\n\nChannel 0: for\n\nChannel 1: could\n\nChannel 0: your\n\nChannel 1: someone\n\nChannel 0: estate.\n\nChannel 1: I've got I've got someone that's looking after my affairs. Is you is that what you\n\nChannel 0: Yep.\n\nChannel 1: mean?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It'll all get pulled in with that and then in your will. So do you have a will at the moment?\n\nChannel 1: No. I've gotta make one.\n\nChannel 0: Yeah. Yeah. So in the body of your will, when you speak to a solicitor, they'll talk about, you know, what happens to your life proceeds, what happens to your super, what happens to your cars or your jewelry, things like that.\n\nChannel 1: Yes.\n\nChannel 0: And that oldest gets nominated in your will, but it is really important to have done that up.\n\nChannel 1: Yes.\n\nChannel 0: And having your beneficiary structured this way, because with the way your kids are, they're adults at the moment, and they're basically, if they were to receive the proceeds direct from your super and your life insurance proceeds, they do pay tax on that. Essentially, the tax is up to 17%.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yes. Quadlock\n\nChannel 0: having it directed\n\nChannel 1: top.\n\nChannel 0: through your will just reduces the amount of tax they have to pay on those those funds, meaning they can get a bit more out of it for you. Does\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Right.\n\nChannel 0: make sense?\n\nChannel 1: Okay. Yeah. It\n\nChannel 0: Yeah.\n\nChannel 1: does, mate. Yep. Okay. I must\n\nChannel 0: All\n\nChannel 1: get\n\nChannel 0: good.\n\nChannel 1: on to that. Hello. I'm really naughty. I I need to get on to it.\n\nChannel 0: Oh,\n\nChannel 1: Hey.\n\nChannel 0: that's okay.\n\nChannel 1: It's not.\n\nChannel 0: That's alright. We can send out if you like, I can organize it'll probably be tomorrow if it's okay, But I can send out a I can send out an email to you, which has some information on a local solicitor that we can refer you through to, but it costing just for you to have a look at, and then feel free to have a look at some\n\nChannel 1: Yep.\n\nChannel 0: other\n\nChannel 1: I've\n\nChannel 0: solicitors\n\nChannel 1: actually got\n\nChannel 0: as\n\nChannel 1: a\n\nChannel 0: well.\n\nChannel 1: niece. I've got a niece that's a that's a lawyer. So\n\nChannel 0: Oh, perfect. Yeah.\n\nChannel 1: get on to I mean, she'll help me. Obviously, I'd I'd expect to charge me, but, I mean, she'd help me with it also. Yeah. Yeah.\n\nChannel 0: Yeah. No. Perfect. That is absolutely perfect. But, look,\n\nChannel 1: Okay.\n\nChannel 0: what I'll get you to do take some time to read through this. I'll get someone to print a copy and email it and so I post it out to you as well. You're welcome to take some time to read it over. It's got the advantages, the disadvantages, a bit more detail around how those strategies work. Have a read through them.\n\nLet me know if you do have additional questions, and we can always come back and have another conversation prior to you taking on any of the advice. Okay?\n\nChannel 1: Alright. Okay.\n\nChannel 0: Oh,\n\nChannel 1: No\n\nChannel 0: good.\n\nChannel 1: worries. Okay.\n\nChannel 0: That's\n\nChannel 1: Thank\n\nChannel 0: okay.\n\nChannel 1: you so much for\n\nChannel 0: No\n\nChannel 1: your\n\nChannel 0: worries.\n\nChannel 1: valuable time.\n\nChannel 0: Oh, that's\n\nChannel 1: Thank you.\n\nChannel 0: okay, Sharon. I'm here for you. It's not a problem at all.\n\nChannel 1: Okay. Thank you. You have a nice night.\n\nChannel 0: You too. Thanks, Sharon. Talk to you soon. See you later.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.03383350372314453},{"text":"Sharon speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.03165182005614042}],"sentiment":"neutral","sentiment_score":0.03237904794514179,"channel":1,"num_words":3,"start":0.48,"end":1.78},{"sentences":[{"text":"Hi, Sharon.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.1821294128894806},{"text":"It's Dana from Oakey Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.23725060224533082},{"text":"How are you today?","start":4.7999997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.26923956722021103}],"sentiment":"neutral","sentiment_score":0.23886091871695084,"channel":0,"num_words":11,"start":2.48,"end":5.8599997},{"sentences":[{"text":"I'm very well.","start":5.92,"end":6.72,"sentiment":"positive","sentiment_score":0.5678972005844116},{"text":"Thank you.","start":6.72,"end":7.2,"sentiment":"positive","sentiment_score":0.6539802849292755},{"text":"How are you?","start":7.2,"end":8.02,"sentiment":"positive","sentiment_score":0.37570294737815857}],"sentiment":"positive","sentiment_score":0.5173451267182827,"channel":1,"num_words":8,"start":5.92,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.16,"end":9.2,"sentiment":"positive","sentiment_score":0.5254113674163818},{"text":"Thank you.","start":9.2,"end":9.679999,"sentiment":"positive","sentiment_score":0.6374845504760742},{"text":"I had you booked in to go through your updated advice document.","start":9.679999,"end":12.639999,"sentiment":"neutral","sentiment_score":0.2854370065033436},{"text":"Is now still a good time there for you?","start":12.639999,"end":14.74,"sentiment":"neutral","sentiment_score":0.22187155816290113}],"sentiment":"neutral","sentiment_score":0.31820351171952027,"channel":0,"num_words":26,"start":8.16,"end":14.74},{"sentences":[{"text":"Yeah.","start":14.865,"end":15.184999,"sentiment":"neutral","sentiment_score":0.1419675350189209},{"text":"That's fine.","start":15.184999,"end":15.985,"sentiment":"neutral","sentiment_score":0.21345490217208862},{"text":"That's fine.","start":15.985,"end":16.725,"sentiment":"positive","sentiment_score":0.33467674255371094}],"sentiment":"neutral","sentiment_score":0.24764616489410402,"channel":1,"num_words":5,"start":14.865,"end":16.725},{"sentences":[{"text":"Fan fantastic.","start":16.565,"end":17.705,"sentiment":"positive","sentiment_score":0.6949408948421478},{"text":"How's your day been so far?","start":18.085,"end":19.865,"sentiment":"neutral","sentiment_score":0.3073052366574605}],"sentiment":"positive","sentiment_score":0.40421415120363235,"channel":0,"num_words":8,"start":16.565,"end":19.865},{"sentences":[{"text":"Yeah.","start":19.985,"end":20.305,"sentiment":"neutral","sentiment_score":0.007314268499612808},{"text":"Very busy.","start":20.305,"end":21.105,"sentiment":"neutral","sentiment_score":-0.09120338782668114},{"text":"Very busy.","start":21.105,"end":21.744999,"sentiment":"neutral","sentiment_score":-0.10390754416584969},{"text":"I work in aged care, so, yeah, very busy.","start":21.744999,"end":24.485,"sentiment":"neutral","sentiment_score":-0.07448304589423868}],"sentiment":"neutral","sentiment_score":-0.07523250060954265,"channel":1,"num_words":14,"start":19.985,"end":24.485},{"sentences":[{"text":"A lot going on.","start":24.884998,"end":25.925,"sentiment":"neutral","sentiment_score":-0.07519687712192535},{"text":"Understandable.","start":25.925,"end":26.425,"sentiment":"neutral","sentiment_score":0.02542575821280479},{"text":"Sharon, can you happen to have access to your email, sir, at the moment as well?","start":27.525,"end":31.145,"sentiment":"neutral","sentiment_score":0.00841819925699383}],"sentiment":"neutral","sentiment_score":-0.006698598198237873,"channel":0,"num_words":21,"start":24.884998,"end":31.145},{"sentences":[{"text":"I haven't.","start":31.63,"end":32.29,"sentiment":"neutral","sentiment_score":-0.06668648310005665},{"text":"No.","start":32.59,"end":33.09,"sentiment":"neutral","sentiment_score":-0.09451610594987868}],"sentiment":"neutral","sentiment_score":-0.07596302404999733,"channel":1,"num_words":3,"start":31.63,"end":33.09},{"sentences":[{"text":"No.","start":33.260002,"end":33.74,"sentiment":"neutral","sentiment_score":-0.08042965829372406}],"sentiment":"neutral","sentiment_score":-0.08042965829372406,"channel":0,"num_words":1,"start":33.260002,"end":33.74},{"sentences":[{"text":"Oh, hang","start":33.39,"end":33.95,"sentiment":"neutral","sentiment_score":-0.05004814267158508}],"sentiment":"neutral","sentiment_score":-0.05004814267158508,"channel":1,"num_words":2,"start":33.39,"end":33.95},{"sentences":[{"text":"That's","start":33.74,"end":34.06,"sentiment":"neutral","sentiment_score":-0.03192663937807083}],"sentiment":"neutral","sentiment_score":-0.03192663937807083,"channel":0,"num_words":1,"start":33.74,"end":34.06},{"sentences":[{"text":"on.","start":33.95,"end":34.45,"sentiment":"neutral","sentiment_score":-0.029535658657550812}],"sentiment":"neutral","sentiment_score":-0.029535658657550812,"channel":1,"num_words":1,"start":33.95,"end":34.45},{"sentences":[{"text":"okay.","start":34.06,"end":34.56,"sentiment":"neutral","sentiment_score":-0.001215759664773941},{"text":"If not, that's absolutely okay.","start":38.54,"end":40.4,"sentiment":"neutral","sentiment_score":-0.010673096776008606},{"text":"I can talk you through the advice document.","start":40.78,"end":42.88,"sentiment":"neutral","sentiment_score":0.06946675525978208},{"text":"If you're not sure if you remember back when we sort of spoke late last year, we did your annual review.","start":43.66,"end":48.015,"sentiment":"neutral","sentiment_score":0.029397322131054743},{"text":"We talked about looking at different super, but also reducing the risk level.","start":48.015,"end":52.835,"sentiment":"neutral","sentiment_score":0.02746090479195118}],"sentiment":"neutral","sentiment_score":0.030739340116269886,"channel":0,"num_words":48,"start":34.06,"end":52.835},{"sentences":[{"text":"So","start":53.534996,"end":53.774998,"sentiment":"neutral","sentiment_score":0.05864325165748596}],"sentiment":"neutral","sentiment_score":0.05864325165748596,"channel":0,"num_words":1,"start":53.534996,"end":53.774998},{"sentences":[{"text":"Yes.","start":53.535,"end":54.035,"sentiment":"neutral","sentiment_score":0.0991801768541336}],"sentiment":"neutral","sentiment_score":0.0991801768541336,"channel":1,"num_words":1,"start":53.535,"end":54.035},{"sentences":[{"text":"I've actually got a bit of a larger document to kinda go through with you.","start":53.774998,"end":57.87,"sentiment":"neutral","sentiment_score":0.0681776873767376},{"text":"I just thought, normally, it's easier if we're able to look at the documents together.","start":58.19,"end":61.55,"sentiment":"neutral","sentiment_score":0.06130880465110143},{"text":"But if you're not, I'm fine to run through things and then allow you to have a bit of a look at it later.","start":61.55,"end":66.19,"sentiment":"neutral","sentiment_score":0.0846821937399606},{"text":"It's up to you.","start":66.19,"end":67.09,"sentiment":"neutral","sentiment_score":0.07890302501618862}],"sentiment":"neutral","sentiment_score":0.0739703815558861,"channel":0,"num_words":58,"start":53.774998,"end":67.09},{"sentences":[{"text":"Just bear with me.","start":67.590004,"end":68.87,"sentiment":"neutral","sentiment_score":0.004037731792777777},{"text":"I might","start":68.87,"end":69.35,"sentiment":"neutral","sentiment_score":-0.0036065438762307167}],"sentiment":"neutral","sentiment_score":0.001489639903108279,"channel":1,"num_words":6,"start":67.590004,"end":69.35},{"sentences":[{"text":"That's","start":69.15,"end":69.549995,"sentiment":"neutral","sentiment_score":0.017952997237443924}],"sentiment":"neutral","sentiment_score":0.017952997237443924,"channel":0,"num_words":1,"start":69.15,"end":69.549995},{"sentences":[{"text":"be able","start":69.35,"end":69.67,"sentiment":"neutral","sentiment_score":0.019216024316847324}],"sentiment":"neutral","sentiment_score":0.019216024316847324,"channel":1,"num_words":2,"start":69.35,"end":69.67},{"sentences":[{"text":"okay.","start":69.549995,"end":70.049995,"sentiment":"neutral","sentiment_score":0.020993247628211975}],"sentiment":"neutral","sentiment_score":0.020993247628211975,"channel":0,"num_words":1,"start":69.549995,"end":70.049995},{"sentences":[{"text":"to.","start":69.67,"end":70.125,"sentiment":"neutral","sentiment_score":0.0035601649433374405},{"text":"Have you sent it through?","start":72.045,"end":73.425,"sentiment":"neutral","sentiment_score":-0.006349858827888966}],"sentiment":"neutral","sentiment_score":-0.0046981881993512315,"channel":1,"num_words":6,"start":69.67,"end":73.425},{"sentences":[{"text":"I haven't.","start":73.945,"end":74.425,"sentiment":"neutral","sentiment_score":-0.055405598133802414},{"text":"I'm just about to send it now.","start":74.425,"end":75.785,"sentiment":"neutral","sentiment_score":-0.03635031836373465},{"text":"So I'll just press send on this one for you.","start":75.785,"end":78.045,"sentiment":"neutral","sentiment_score":0.004921563970856369},{"text":"Just while it is coming through, Sharon, I just need to let you know before we do go through the advice that we do record our calls for quality and training purposes.","start":80.425,"end":86.94,"sentiment":"neutral","sentiment_score":-0.010392475000116974},{"text":"Are you comfortable with me doing that proceeding with that?","start":86.94,"end":90.4,"sentiment":"neutral","sentiment_score":-0.028353607468307018}],"sentiment":"neutral","sentiment_score":-0.01528103376708192,"channel":0,"num_words":61,"start":73.945,"end":90.4},{"sentences":[{"text":"Yeah.","start":90.51,"end":90.91,"sentiment":"neutral","sentiment_score":0.035779230296611786},{"text":"Sure.","start":90.91,"end":91.41,"sentiment":"neutral","sentiment_score":0.06254485994577408},{"text":"Yep.","start":91.55,"end":92.05,"sentiment":"neutral","sentiment_score":0.06724612414836884}],"sentiment":"neutral","sentiment_score":0.0551900714635849,"channel":1,"num_words":3,"start":90.51,"end":92.05},{"sentences":[{"text":"Yep.","start":91.58,"end":91.979996,"sentiment":"neutral","sentiment_score":0.14060918986797333},{"text":"Fantastic.","start":91.979996,"end":92.479996,"sentiment":"positive","sentiment_score":0.38151875138282776},{"text":"And I'll just you're right.","start":92.619995,"end":94.96,"sentiment":"neutral","sentiment_score":0.22689541578292846},{"text":"Oh, fantastic.","start":95.82,"end":96.8,"sentiment":"positive","sentiment_score":0.3742131292819977},{"text":"Excellent.","start":97.18,"end":97.68,"sentiment":"positive","sentiment_score":0.3843861222267151}],"sentiment":"neutral","sentiment_score":0.2789417400956154,"channel":0,"num_words":10,"start":91.58,"end":97.68},{"sentences":[{"text":"And I'll just do a quick security check there with you as well just to get you to confirm your full name, your address, and date of birth I should have.","start":98.3,"end":104.945,"sentiment":"neutral","sentiment_score":0.20780649108271446}],"sentiment":"neutral","sentiment_score":0.20780649108271446,"channel":0,"num_words":31,"start":98.3,"end":104.945},{"sentences":[{"text":"Sharon Joy Carey.","start":106.385,"end":107.685,"sentiment":"neutral","sentiment_score":0.10419478515783946}],"sentiment":"neutral","sentiment_score":0.10419478515783946,"channel":1,"num_words":3,"start":106.385,"end":107.685},{"sentences":[{"text":"Yep.","start":108.205,"end":108.705,"sentiment":"neutral","sentiment_score":0.1238844096660614}],"sentiment":"neutral","sentiment_score":0.1238844096660614,"channel":0,"num_words":1,"start":108.205,"end":108.705},{"sentences":[{"text":"Second of the third nineteen","start":108.385,"end":109.765,"sentiment":"neutral","sentiment_score":0.1770170211791992}],"sentiment":"neutral","sentiment_score":0.1770170211791992,"channel":1,"num_words":5,"start":108.385,"end":109.765},{"sentences":[{"text":"Beautiful.","start":110.925,"end":111.425,"sentiment":"neutral","sentiment_score":0.0991833359003067},{"text":"Thank you","start":111.485,"end":111.965004,"sentiment":"positive","sentiment_score":0.8103015124797821}],"sentiment":"positive","sentiment_score":0.5732621202866236,"channel":0,"num_words":3,"start":110.925,"end":111.965004},{"sentences":[{"text":"60","start":111.77,"end":112.27,"sentiment":"positive","sentiment_score":0.80987149477005}],"sentiment":"positive","sentiment_score":0.80987149477005,"channel":1,"num_words":1,"start":111.77,"end":112.27},{"sentences":[{"text":"so much for that.","start":111.965004,"end":113.105,"sentiment":"positive","sentiment_score":0.8328841030597687}],"sentiment":"positive","sentiment_score":0.8328841030597687,"channel":0,"num_words":4,"start":111.965004,"end":113.105},{"sentences":[{"text":"three.","start":113.45,"end":113.95,"sentiment":"positive","sentiment_score":0.511127233505249}],"sentiment":"positive","sentiment_score":0.511127233505249,"channel":1,"num_words":1,"start":113.45,"end":113.95},{"sentences":[{"text":"Beautiful.","start":113.93,"end":114.43,"sentiment":"positive","sentiment_score":0.7120749950408936},{"text":"Okay.","start":116.490005,"end":116.990005,"sentiment":"neutral","sentiment_score":0.22781765460968015},{"text":"Now you said the email's popped through to you there.","start":117.05,"end":120.03,"sentiment":"neutral","sentiment_score":0.08484660536050796},{"text":"When you open the email, I have got the document attached, but it's also attached as an attachment.","start":120.25,"end":125.05,"sentiment":"neutral","sentiment_score":0.04720485396683216},{"text":"So you can open either one.","start":125.05,"end":126.33,"sentiment":"neutral","sentiment_score":0.056730568408966064}],"sentiment":"neutral","sentiment_score":0.08273415236423413,"channel":0,"num_words":36,"start":113.93,"end":126.33},{"sentences":[{"text":"It's completely up to you, whatever is easier To view the document that is in the the actual email itself, you should just be able to click on the button that says sign, and it should just take you through so you can move up and down through that document.","start":126.33,"end":139.895,"sentiment":"neutral","sentiment_score":0.06137916058301926},{"text":"But let me know if you have trouble doing so.","start":139.895,"end":142.155,"sentiment":"neutral","sentiment_score":-0.042557491548359395}],"sentiment":"neutral","sentiment_score":0.04405638522778948,"channel":0,"num_words":60,"start":126.33,"end":142.155},{"sentences":[{"text":"No.","start":146.41,"end":146.65,"sentiment":"neutral","sentiment_score":-0.03936754912137985},{"text":"It's up.","start":146.65,"end":147.13,"sentiment":"neutral","sentiment_score":0.0483119897544384},{"text":"It's up.","start":147.13,"end":147.61,"sentiment":"neutral","sentiment_score":0.2284383624792099},{"text":"It's good.","start":147.61,"end":148.35,"sentiment":"positive","sentiment_score":0.4773976504802704}],"sentiment":"neutral","sentiment_score":0.20984692232949392,"channel":1,"num_words":7,"start":146.41,"end":148.35},{"sentences":[{"text":"That's working okay?","start":151.22,"end":152.43999,"sentiment":"neutral","sentiment_score":0.30109090606371564}],"sentiment":"neutral","sentiment_score":0.30109090606371564,"channel":0,"num_words":3,"start":151.22,"end":152.43999},{"sentences":[{"text":"Yeah.","start":152.645,"end":152.88501,"sentiment":"neutral","sentiment_score":0.2595893442630768},{"text":"It's all up.","start":152.88501,"end":153.60501,"sentiment":"positive","sentiment_score":0.37105565269788104},{"text":"It's all good.","start":153.60501,"end":154.485,"sentiment":"positive","sentiment_score":0.5085005164146423},{"text":"Yep.","start":154.485,"end":154.985,"sentiment":"neutral","sentiment_score":0.23528754711151123}],"sentiment":"positive","sentiment_score":0.3916931748390198,"channel":1,"num_words":8,"start":152.645,"end":154.985},{"sentences":[{"text":"Oh, fantastic.","start":154.915,"end":155.81499,"sentiment":"positive","sentiment_score":0.6055558919906616},{"text":"Fantastic.","start":156.11499,"end":156.61499,"sentiment":"positive","sentiment_score":0.5564966201782227},{"text":"So on the front page there, you'll see a statement of advice has been prepared for yourself.","start":156.75499,"end":160.45499,"sentiment":"neutral","sentiment_score":0.16917563448933995},{"text":"As of the 05/18/2026, sir, has been prepared by myself and my lovely team here at Oakview Financial.","start":160.75499,"end":167.33499,"sentiment":"neutral","sentiment_score":0.20312920129961437},{"text":"What I'll do is I'll just hit the points and go through the pages that we need to sort of go through, and then I'll let you go back and have a bit of a read through the document.","start":168.31999,"end":175.14,"sentiment":"neutral","sentiment_score":0.12899068934031022}],"sentiment":"neutral","sentiment_score":0.17312411296290237,"channel":0,"num_words":77,"start":154.915,"end":175.14},{"sentences":[{"text":"There is quite a bit there.","start":175.59999,"end":176.72,"sentiment":"neutral","sentiment_score":0.10300486783186595},{"text":"It does outline all the recommendations, the advantages, disadvantages, the risks involved, and any alternatives that we've considered.","start":176.72,"end":183.625,"sentiment":"neutral","sentiment_score":0.11254802863630983},{"text":"And then before taking on the advice, you're welcome to come back and let me know if you do happen to have any questions at all.","start":184.165,"end":189.28499,"sentiment":"neutral","sentiment_score":0.1408406590613035},{"text":"Okay?","start":189.28499,"end":189.78499,"sentiment":"neutral","sentiment_score":0.07843640446662903}],"sentiment":"neutral","sentiment_score":0.12518014240206457,"channel":0,"num_words":51,"start":175.59999,"end":189.78499},{"sentences":[{"text":"Yes.","start":189.805,"end":190.305,"sentiment":"neutral","sentiment_score":0.10163625329732896},{"text":"Yes.","start":191.245,"end":191.745,"sentiment":"neutral","sentiment_score":0.20952312648296356}],"sentiment":"neutral","sentiment_score":0.15557968989014626,"channel":1,"num_words":2,"start":189.805,"end":191.745},{"sentences":[{"text":"Fantastic.","start":191.44499,"end":191.94499,"sentiment":"positive","sentiment_score":0.41088417172431946},{"text":"Now the areas that this advice document has been limited to are areas of superannuation and estate planning to making sure that your beneficiaries are set up in line with what you're comfortable with.","start":192.72499,"end":202.75,"sentiment":"neutral","sentiment_score":0.15820354793001623},{"text":"You have mentioned that you wanted your adult children nominated to the super fund and your life insurances, but you wanted us to look at doing that in the most tax effective way for you.","start":202.75,"end":211.96501,"sentiment":"neutral","sentiment_score":0.16164091335875647},{"text":"Okay?","start":212.02501,"end":212.52501,"sentiment":"neutral","sentiment_score":0.05055095627903938}],"sentiment":"neutral","sentiment_score":0.16194067218563926,"channel":0,"num_words":71,"start":191.44499,"end":212.52501},{"sentences":[{"text":"Yes.","start":212.475,"end":212.975,"sentiment":"neutral","sentiment_score":0.06547006219625473},{"text":"Yes.","start":213.035,"end":213.535,"sentiment":"neutral","sentiment_score":0.06412042677402496},{"text":"Yes.","start":213.675,"end":214.175,"sentiment":"neutral","sentiment_score":0.06632791459560394}],"sentiment":"neutral","sentiment_score":0.06530613452196121,"channel":1,"num_words":3,"start":212.475,"end":214.175},{"sentences":[{"text":"And then we've also looked at superannuation.","start":214.10501,"end":216.04501,"sentiment":"neutral","sentiment_score":0.04884327415909086},{"text":"So you're hoping to be out of access super at around the age 67, hoping to draw income of about $1,100 per week.","start":216.345,"end":223.47,"sentiment":"neutral","sentiment_score":0.07087936300946318},{"text":"So we're looking at other strategies there now that you're over the age of 60, looking at other strategies that can provide a boost to your sofa.","start":223.63,"end":230.13,"sentiment":"neutral","sentiment_score":0.21432254159892047},{"text":"But with the volatility that we are seeing and because you are closer to accessing sofa, also looking at making sure the portfolio is in line with a lower risk profile as well.","start":230.51,"end":240.445,"sentiment":"neutral","sentiment_score":0.13422060057972418},{"text":"Okay?","start":240.445,"end":240.945,"sentiment":"neutral","sentiment_score":0.08402752876281738}],"sentiment":"neutral","sentiment_score":0.13485872790544898,"channel":0,"num_words":91,"start":214.10501,"end":240.945},{"sentences":[{"text":"Mhmm.","start":241.825,"end":242.325,"sentiment":"neutral","sentiment_score":0.15020695328712463}],"sentiment":"neutral","sentiment_score":0.15020695328712463,"channel":1,"num_words":1,"start":241.825,"end":242.325},{"sentences":[{"text":"Excellent.","start":242.845,"end":243.345,"sentiment":"positive","sentiment_score":0.5670019388198853}],"sentiment":"positive","sentiment_score":0.5670019388198853,"channel":0,"num_words":1,"start":242.845,"end":243.345},{"sentences":[{"text":"Yep.","start":243.105,"end":243.605,"sentiment":"neutral","sentiment_score":0.280089795589447}],"sentiment":"neutral","sentiment_score":0.280089795589447,"channel":1,"num_words":1,"start":243.105,"end":243.605},{"sentences":[{"text":"Areas that we've scoped out, this is a bit further down in the document there on page number five.","start":244.365,"end":249.085,"sentiment":"neutral","sentiment_score":0.08481807771481965},{"text":"So we've scoped in limited just to a limited extent the areas around the retirement income needs.","start":249.085,"end":255.91,"sentiment":"neutral","sentiment_score":0.05768210462787572},{"text":"So what I've done is, as per the advice, gone back and done some research there for you, looked at ways and different strategies that we can put in place, but then looked at how the long term effects look like given these strategy that strategy that we wanna implement and how that might look for you when we project forward over your income side of things.","start":255.91,"end":273.645,"sentiment":"neutral","sentiment_score":0.16341292958206205},{"text":"So it's giving you a bit of an idea of where we're tracking for and what that looks like, and then we'll just keep updating the advice and making changes as we need to as we track towards those goals.","start":273.645,"end":283.56,"sentiment":"neutral","sentiment_score":0.22586110346019267},{"text":"Okay?","start":283.56,"end":284.06,"sentiment":"neutral","sentiment_score":0.05223795026540756}],"sentiment":"neutral","sentiment_score":0.15713533073560232,"channel":0,"num_words":144,"start":244.365,"end":284.06},{"sentences":[{"text":"Right.","start":284.83,"end":285.15,"sentiment":"neutral","sentiment_score":0.047709062695503235},{"text":"Okay.","start":285.15,"end":285.62997,"sentiment":"neutral","sentiment_score":0.024761535227298737},{"text":"Now where was where did you say that was?","start":285.62997,"end":287.55,"sentiment":"neutral","sentiment_score":0.004270589186085595},{"text":"Retime","start":287.55,"end":288.05,"sentiment":"neutral","sentiment_score":0.0025872141122817993}],"sentiment":"neutral","sentiment_score":0.00945775955915451,"channel":1,"num_words":12,"start":284.83,"end":288.05},{"sentences":[{"text":"That 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the premiums into account as we're making recommendations around your super and income needs.","start":321.965,"end":332.20502,"sentiment":"neutral","sentiment_score":0.11776335071772337},{"text":"Okay?","start":332.20502,"end":332.70502,"sentiment":"neutral","sentiment_score":0.058745089918375015}],"sentiment":"neutral","sentiment_score":0.07058603267528508,"channel":0,"num_words":57,"start":313.11,"end":332.70502},{"sentences":[{"text":"Right.","start":333.36502,"end":333.765,"sentiment":"neutral","sentiment_score":0.08387739956378937},{"text":"Okay.","start":333.765,"end":334.265,"sentiment":"neutral","sentiment_score":0.11791260540485382},{"text":"Yep.","start":334.64502,"end":335.14502,"sentiment":"neutral","sentiment_score":0.1661590337753296}],"sentiment":"neutral","sentiment_score":0.12264967958132426,"channel":1,"num_words":3,"start":333.36502,"end":335.14502},{"sentences":[{"text":"All good.","start":335.16,"end":335.9,"sentiment":"neutral","sentiment_score":0.3308084309101105}],"sentiment":"neutral","sentiment_score":0.3308084309101105,"channel":0,"num_words":2,"start":335.16,"end":335.9},{"sentences":[{"text":"Yep.","start":335.605,"end":336.105,"sentiment":"neutral","sentiment_score":0.1690593659877777}],"sentiment":"neutral","sentiment_score":0.1690593659877777,"channel":1,"num_words":1,"start":335.605,"end":336.105},{"sentences":[{"text":"Now what I'll do is I'll take you through a lot of the advice document.","start":336.28,"end":339.66,"sentiment":"neutral","sentiment_score":0.10425212035576502},{"text":"If I can get you to scroll down for me, just the page number so sorry.","start":339.72,"end":345.41998,"sentiment":"neutral","sentiment_score":0.031202954822219908},{"text":"Page number eighteen and nineteen, I'll take you through the initial recommendations with so 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the cost that they might be, but also looked at the tax consequences for making any changes to your super.","start":402.61502,"end":409.17502,"sentiment":"neutral","sentiment_score":0.049142423861970506}],"sentiment":"neutral","sentiment_score":0.2147023263387382,"channel":0,"num_words":88,"start":384.61502,"end":409.17502},{"sentences":[{"text":"So I have made a recommendation that we retain your Netwealth super account for the time being.","start":409.17502,"end":414.295,"sentiment":"neutral","sentiment_score":0.24090418570181904},{"text":"There's no 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saying?","start":423.04,"end":424.1,"sentiment":"neutral","sentiment_score":0.07542789056897163}],"sentiment":"neutral","sentiment_score":0.05498649552464485,"channel":1,"num_words":8,"start":421.6,"end":424.1},{"sentences":[{"text":"Yeah.","start":424.35,"end":424.75,"sentiment":"neutral","sentiment_score":0.17268681526184082},{"text":"The super fund itself isn't bad at all.","start":424.75,"end":427.17,"sentiment":"neutral","sentiment_score":0.18849175982177258},{"text":"Essentially, the super fund, just think of it like a vehicle.","start":427.23,"end":429.97,"sentiment":"neutral","sentiment_score":0.168737760998986},{"text":"You'll you you put your money into the super fund and into the cash account, but what really gets you the returns is the underlying investments is where your money's invested.","start":430.415,"end":439.155,"sentiment":"neutral","sentiment_score":0.20016628191355737},{"text":"And the super fund itself is just an investment vehicle to hold those the funds and to have them invested.","start":439.615,"end":445.81,"sentiment":"neutral","sentiment_score":0.1855387594550848}],"sentiment":"neutral","sentiment_score":0.189474171735871,"channel":0,"num_words":71,"start":424.35,"end":445.81},{"sentences":[{"text":"So Netwealth is not a bad fund in any way, shape, or form.","start":445.87,"end":449.23,"sentiment":"neutral","sentiment_score":0.17722378212672013},{"text":"The admin fees can be a bit higher than other funds out there.","start":449.23,"end":452.37,"sentiment":"neutral","sentiment_score":-0.17609643706908593},{"text":"However, one of the things I did look at was if we move you to another fund, we have to sell down all of your investments, and your super fund, just like you, does a tax return every year.","start":452.51,"end":462.875,"sentiment":"neutral","sentiment_score":-0.09092203747385587},{"text":"So we need to consider when we are selling and moving to different super funds what the tax consequences might look like for that.","start":462.935,"end":469.38,"sentiment":"neutral","sentiment_score":-0.08321534904340903}],"sentiment":"neutral","sentiment_score":-0.06211766688508934,"channel":0,"num_words":89,"start":445.87,"end":469.38},{"sentences":[{"text":"Yes.","start":470.085,"end":470.585,"sentiment":"neutral","sentiment_score":-0.03809285908937454}],"sentiment":"neutral","sentiment_score":-0.03809285908937454,"channel":1,"num_words":1,"start":470.085,"end":470.585},{"sentences":[{"text":"I did sorta have a look around, and the tax consequences to selling down all your investments, it wasn't worthwhile moving.","start":470.26,"end":476.26,"sentiment":"negative","sentiment_score":-0.3957665576821282},{"text":"You weren't gonna make that money back quick enough.","start":476.26,"end":478.5,"sentiment":"negative","sentiment_score":-0.5235937833786011},{"text":"So I have made the recommendation to retain the super fund you're in, but just to 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selling.","start":496.2,"end":499.34,"sentiment":"neutral","sentiment_score":0.09217433089559729},{"text":"So inside your super fund at the moment, you do have some physical gold, which is the top one there.","start":499.72,"end":505.9,"sentiment":"neutral","sentiment_score":0.06244086492806673},{"text":"You're about 9.21%.","start":506.36,"end":508.6,"sentiment":"neutral","sentiment_score":0.04918015251557032}],"sentiment":"neutral","sentiment_score":0.07358534846612265,"channel":0,"num_words":71,"start":483.57498,"end":508.6},{"sentences":[{"text":"So at the moment, we wanna have about 10% in there.","start":508.6,"end":511.275,"sentiment":"neutral","sentiment_score":0.04048201340166005},{"text":"So we're gonna buy a bit more physical gold for you.","start":511.275,"end":514.015,"sentiment":"neutral","sentiment_score":0.07139865376732567},{"text":"You've at the moment sorry.","start":514.635,"end":517.435,"sentiment":"neutral","sentiment_score":0.00147782564163208},{"text":"At the moment, also got the beta shares a 200.","start":517.435,"end":520.075,"sentiment":"neutral","sentiment_score":0.028621738590300084},{"text":"So this is giving you exposure to the top 200 companies on the ASX there.","start":520.075,"end":524.975,"sentiment":"neutral","sentiment_score":0.07007091368238132}],"sentiment":"neutral","sentiment_score":0.04952610688857161,"channel":0,"num_words":52,"start":508.6,"end":524.975},{"sentences":[{"text":"At the moment, you have about 35.46%.","start":525.27,"end":528.65,"sentiment":"neutral","sentiment_score":0.09436547436884471},{"text":"It's a great investment for diversification, low cost.","start":528.79004,"end":531.83,"sentiment":"positive","sentiment_score":0.507001057267189},{"text":"However, we only wanna hold about 10%.","start":531.83,"end":533.99005,"sentiment":"neutral","sentiment_score":0.02206959788288389},{"text":"So you're a bit overexposed there at the moment, so we are gonna reduce that exposure down to 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got some Vanguard fixed interest.","start":545.775,"end":548.03503,"sentiment":"neutral","sentiment_score":-0.009069093192617098},{"text":"Again, you've got a lot there.","start":548.575,"end":550.09503,"sentiment":"neutral","sentiment_score":-0.03384418381998936},{"text":"We're gonna sell that completely down and put the funds into something else, so that's why that one is completely red.","start":550.09503,"end":556.29004,"sentiment":"neutral","sentiment_score":-0.11605088554677509}],"sentiment":"neutral","sentiment_score":-0.08165297753205805,"channel":0,"num_words":33,"start":545.775,"end":556.29004},{"sentences":[{"text":"So where 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there.","start":560.35004,"end":562.13,"sentiment":"neutral","sentiment_score":-0.00047099078074097633}],"sentiment":"neutral","sentiment_score":-0.01644241987642917,"channel":0,"num_words":11,"start":558.59,"end":562.13},{"sentences":[{"text":"One, two.","start":563.86,"end":564.76,"sentiment":"neutral","sentiment_score":0.008587341522797942}],"sentiment":"neutral","sentiment_score":0.008587341522797942,"channel":1,"num_words":2,"start":563.86,"end":564.76},{"sentences":[{"text":"The Vanguard","start":565.79004,"end":566.45,"sentiment":"neutral","sentiment_score":0.014771956950426102}],"sentiment":"neutral","sentiment_score":0.014771956950426102,"channel":0,"num_words":2,"start":565.79004,"end":566.45},{"sentences":[{"text":"Van Gogh.","start":566.18,"end":567.08,"sentiment":"neutral","sentiment_score":0.014832126908004284}],"sentiment":"neutral","sentiment_score":0.014832126908004284,"channel":1,"num_words":2,"start":566.18,"end":567.08},{"sentences":[{"text":"fixed 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past.","start":574.105,"end":578.985,"sentiment":"neutral","sentiment_score":0.20647400735240234},{"text":"So selling that one down and redistributing the funds elsewhere.","start":578.985,"end":582.285,"sentiment":"neutral","sentiment_score":0.15962432473897933}],"sentiment":"neutral","sentiment_score":0.2372145742516626,"channel":0,"num_words":44,"start":570.105,"end":582.285},{"sentences":[{"text":"Yep.","start":582.765,"end":583.265,"sentiment":"neutral","sentiment_score":0.18898984789848328}],"sentiment":"neutral","sentiment_score":0.18898984789848328,"channel":1,"num_words":1,"start":582.765,"end":583.265},{"sentences":[{"text":"We've also got some beta shares cybersecurity.","start":583.76,"end":585.77997,"sentiment":"neutral","sentiment_score":0.13551113222326552},{"text":"You'll see that one there is just being purchased a bit more.","start":586.08,"end":588.72,"sentiment":"neutral","sentiment_score":0.06891695906718572},{"text":"You have about 55.02% waiting at the moment, but when we kinda reweight the portfolio, we do need to just buy a little bit more of that to make sure you're weighted correctly.","start":588.72,"end":598.66,"sentiment":"neutral","sentiment_score":0.053582197055220604},{"text":"So for that","start":599.135,"end":599.535,"sentiment":"neutral","sentiment_score":0.06146582340200742}],"sentiment":"neutral","sentiment_score":0.06778529831631618,"channel":0,"num_words":55,"start":583.76,"end":599.535},{"sentences":[{"text":"Mhmm.","start":599.475,"end":599.975,"sentiment":"neutral","sentiment_score":0.07151922583580017}],"sentiment":"neutral","sentiment_score":0.07151922583580017,"channel":1,"num_words":1,"start":599.475,"end":599.975},{"sentences":[{"text":"$75 being purchased into that investment there.","start":599.535,"end":602.755,"sentiment":"neutral","sentiment_score":0.08377171094928469},{"text":"And then the iShares Europe.","start":602.975,"end":605.055,"sentiment":"neutral","sentiment_score":0.11187620162963867},{"text":"So this is giving you exposure to all the European companies, and it's quite important to have diversification, not just in different asset classes like gold and fixed interest and cybersecurity in The US and Australia, but also looking globally, so all over the world for investment opportunities as well.","start":605.055,"end":622.17,"sentiment":"neutral","sentiment_score":0.2299715031683445},{"text":"And this investment gives you exposure into all of the European companies, into the already established companies, but also areas where there is additional growth there.","start":622.55,"end":632.09503,"sentiment":"neutral","sentiment_score":0.28807334487254804},{"text":"So it does help in reducing your risk level by diversifying.","start":632.09503,"end":636.43506,"sentiment":"neutral","sentiment_score":0.3257041289047761}],"sentiment":"neutral","sentiment_score":0.23956576290756765,"channel":0,"num_words":99,"start":599.535,"end":636.43506},{"sentences":[{"text":"Does that make sense?","start":636.815,"end":637.875,"sentiment":"neutral","sentiment_score":0.22064903378486633}],"sentiment":"neutral","sentiment_score":0.22064903378486633,"channel":0,"num_words":4,"start":636.815,"end":637.875},{"sentences":[{"text":"Yeah.","start":638.84,"end":639.08,"sentiment":"neutral","sentiment_score":0.18643894791603088},{"text":"I think so.","start":639.08,"end":639.64,"sentiment":"neutral","sentiment_score":0.212611253062884},{"text":"Yeah.","start":639.64,"end":639.88,"sentiment":"neutral","sentiment_score":0.2521000802516937},{"text":"It does.","start":639.88,"end":640.54,"sentiment":"neutral","sentiment_score":0.2996762692928314}],"sentiment":"neutral","sentiment_score":0.23938933227743422,"channel":1,"num_words":7,"start":638.84,"end":640.54},{"sentences":[{"text":"Yeah.","start":640.58997,"end":640.99,"sentiment":"neutral","sentiment_score":0.2549215853214264},{"text":"That's okay.","start":640.99,"end":641.63,"sentiment":"neutral","sentiment_score":0.3320194482803345},{"text":"If it doesn't, please tell me.","start":641.63,"end":643.14996,"sentiment":"neutral","sentiment_score":0.12112669895092647},{"text":"I'm happy to break it down more for you.","start":643.14996,"end":644.99,"sentiment":"positive","sentiment_score":0.5832209255960252},{"text":"I know this can be a lot to go through.","start":644.99,"end":647.08997,"sentiment":"neutral","sentiment_score":0.1967447355389595}],"sentiment":"neutral","sentiment_score":0.31650558433362413,"channel":0,"num_words":28,"start":640.58997,"end":647.08997},{"sentences":[{"text":"Yeah.","start":646.76,"end":647.26,"sentiment":"neutral","sentiment_score":0.20062194764614105},{"text":"Oh, it is a lot for me, believe me, for my 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you","start":739.85504,"end":742.815,"sentiment":"neutral","sentiment_score":0.017170901224017144}],"sentiment":"neutral","sentiment_score":0.017170901224017144,"channel":1,"num_words":10,"start":739.85504,"end":742.815},{"sentences":[{"text":"yeah.","start":742.77496,"end":743.27496,"sentiment":"neutral","sentiment_score":0.04174768552184105}],"sentiment":"neutral","sentiment_score":0.04174768552184105,"channel":0,"num_words":1,"start":742.77496,"end":743.27496},{"sentences":[{"text":"mean?","start":742.815,"end":743.055,"sentiment":"neutral","sentiment_score":0.02051796019077301},{"text":"Is that what you mean?","start":743.055,"end":744.195,"sentiment":"neutral","sentiment_score":0.03593519553542137}],"sentiment":"neutral","sentiment_score":0.03336565631131331,"channel":1,"num_words":6,"start":742.815,"end":744.195},{"sentences":[{"text":"Yeah.","start":744.65497,"end":744.975,"sentiment":"neutral","sentiment_score":0.1288285851478577},{"text":"So, essentially, with your portfolio at the moment, you're in that growth portfolio.","start":744.975,"end":749.07495,"sentiment":"neutral","sentiment_score":0.13748351713785759},{"text":"If you can move down the page for me to page number 20, I can explain that a little more detail so you can see it as well.","start":749.295,"end":755.71497,"sentiment":"neutral","sentiment_score":0.10634661146572658},{"text":"But at the moment, you're in a growth portfolio.","start":757.08,"end":759.42,"sentiment":"neutral","sentiment_score":0.12380494177341461},{"text":"So it essentially sees about 80% of your super in growth assets.","start":759.72003,"end":764.6,"sentiment":"neutral","sentiment_score":0.24092041701078415}],"sentiment":"neutral","sentiment_score":0.14125569696937287,"channel":0,"num_words":63,"start":744.65497,"end":764.6},{"sentences":[{"text":"So you think about things like Australian equities, international equities, the shares, our property, and then also commodities like gold and silver.","start":764.6,"end":772.555,"sentiment":"neutral","sentiment_score":0.1973452540961179},{"text":"And those investments are where you're taking on a bit more risk in the market.","start":772.77496,"end":776.635,"sentiment":"neutral","sentiment_score":0.13382952014605204},{"text":"So by taking on more risk in the market and having more of those investments, you can see good up turns or great performance when the market's performing really well.","start":776.77496,"end":786.57,"sentiment":"positive","sentiment_score":0.41473324646552406},{"text":"However, because you are taking more risk, when the market takes a bit of a dip, you can see that downside magnified as well.","start":786.95,"end":793.83,"sentiment":"neutral","sentiment_score":-0.25754008752604324},{"text":"So you the downside often feels a lot heavier to you.","start":793.83,"end":797.29004,"sentiment":"negative","sentiment_score":-0.38309693878347223}],"sentiment":"neutral","sentiment_score":0.08231379763752807,"channel":0,"num_words":102,"start":764.6,"end":797.29004},{"sentences":[{"text":"Realistically,","start":797.695,"end":798.195,"sentiment":"neutral","sentiment_score":0.08194071799516678}],"sentiment":"neutral","sentiment_score":0.08194071799516678,"channel":0,"num_words":1,"start":797.695,"end":798.195},{"sentences":[{"text":"Yes.","start":797.785,"end":798.105,"sentiment":"neutral","sentiment_score":0.20287105441093445},{"text":"Right.","start":798.105,"end":798.605,"sentiment":"neutral","sentiment_score":0.2686874270439148}],"sentiment":"neutral","sentiment_score":0.23577924072742462,"channel":1,"num_words":2,"start":797.785,"end":798.605},{"sentences":[{"text":"when we're younger, when we have, you know, twenty or thirty or forty years before accessing super, we're comfortable to take on a lot more risk in the market.","start":798.415,"end":806.415,"sentiment":"neutral","sentiment_score":0.25003796353422364},{"text":"We want those good returns, but we also know we can.","start":806.415,"end":810.42,"sentiment":"positive","sentiment_score":0.48127082803032617},{"text":"We're not gonna access super or take money out when there is a downtime.","start":810.57996,"end":814.2,"sentiment":"neutral","sentiment_score":-0.20014638453722},{"text":"So if you think back to COVID, the GSC, and the markets took a really big dip in those times, and it's fine to take on more risk so long as you're not you there's no no chance that you're gonna wanna take money out or retire when we see those down times there.","start":814.26,"end":829.28503,"sentiment":"neutral","sentiment_score":-0.054973788973357945},{"text":"So that's the sort of portfolio that you're in at the moment.","start":829.34503,"end":832.145,"sentiment":"neutral","sentiment_score":0.1547193272660176}],"sentiment":"neutral","sentiment_score":0.07192564991613229,"channel":0,"num_words":120,"start":798.415,"end":832.145},{"sentences":[{"text":"When we did your risk profile in your annual review, your score is more of a balanced investor.","start":832.145,"end":837.04504,"sentiment":"neutral","sentiment_score":0.09573587402701378},{"text":"And, realistically, you were wanting to access super at either 65 or 67, so you are a lot closer to accessing super.","start":837.38,"end":844.76,"sentiment":"neutral","sentiment_score":0.13175954195586118},{"text":"So we're wanting to look at reducing that risk level for you, and, essentially, the risk profile that you scored in that balance profile normally only sees about 60% in those growth high risk investments and then sees about 40% in those defensive lower risk investments.","start":845.38,"end":862.585,"sentiment":"neutral","sentiment_score":0.1707591343185176},{"text":"So it's kind of evening things out a little bit.","start":862.645,"end":865.625,"sentiment":"neutral","sentiment_score":0.31023382395505905},{"text":"You","start":866.04,"end":866.27997,"sentiment":"neutral","sentiment_score":0.117748960852623}],"sentiment":"neutral","sentiment_score":0.16182436118113627,"channel":0,"num_words":97,"start":832.145,"end":866.27997},{"sentences":[{"text":"Mhmm.","start":866.14,"end":866.64,"sentiment":"neutral","sentiment_score":0.10661877691745758}],"sentiment":"neutral","sentiment_score":0.10661877691745758,"channel":1,"num_words":1,"start":866.14,"end":866.64},{"sentences":[{"text":"still want some of those growth assets like shares and property, and gold and silver because you still wanna get some returns, but you don't wanna take on a huge amount of risk.","start":866.27997,"end":875.64,"sentiment":"neutral","sentiment_score":0.15310815518552606},{"text":"You don't wanna be seeing a really big downside when the market is down because of what could be happening overseas with another war or, you know, COVID or","start":875.64,"end":884.595,"sentiment":"neutral","sentiment_score":-0.28884995471814584}],"sentiment":"neutral","sentiment_score":-0.05361418654361079,"channel":0,"num_words":62,"start":866.27997,"end":884.595},{"sentences":[{"text":"Yes.","start":884.53503,"end":885.03503,"sentiment":"neutral","sentiment_score":-0.038785770535469055}],"sentiment":"neutral","sentiment_score":-0.038785770535469055,"channel":1,"num_words":1,"start":884.53503,"end":885.03503},{"sentences":[{"text":"what happened in the DFC.","start":884.595,"end":885.89496,"sentiment":"neutral","sentiment_score":-0.07609115168452263},{"text":"So it's about sort of looking at what you're comfortable with and making sure that you're invested in the correct risk profile.","start":886.115,"end":894.66003,"sentiment":"neutral","sentiment_score":0.2160224670713598},{"text":"One of the good things we look at or one of the one of the ways we think about this is looking at time horizon, and that's why we ask a lot about when you're wanting to access super or when you're wanting to retire.","start":895.04004,"end":906.42004,"sentiment":"neutral","sentiment_score":0.2746811459461848},{"text":"Because as I said before, if you have got, you know, twenty or thirty or forty years before you're accessing super, you can take more risk.","start":906.48004,"end":912.945,"sentiment":"neutral","sentiment_score":-0.08168556326283859},{"text":"You're not gonna access the super in the short term when there is that","start":912.945,"end":915.985,"sentiment":"neutral","sentiment_score":-0.16540185069399221}],"sentiment":"neutral","sentiment_score":0.10976106723371361,"channel":0,"num_words":112,"start":884.595,"end":915.985},{"sentences":[{"text":"Yes.","start":915.875,"end":916.375,"sentiment":"neutral","sentiment_score":-0.03676863759756088}],"sentiment":"neutral","sentiment_score":-0.03676863759756088,"channel":1,"num_words":1,"start":915.875,"end":916.375},{"sentences":[{"text":"downside occurring.","start":915.985,"end":917.045,"sentiment":"neutral","sentiment_score":-0.20079506188631058},{"text":"However, when you are only about, you know, four to five or even six years out, you are getting closer to accessing super.","start":917.425,"end":924.22,"sentiment":"neutral","sentiment_score":0.039826232777989426},{"text":"So you kind","start":924.22,"end":924.86,"sentiment":"neutral","sentiment_score":0.09463940064112346}],"sentiment":"neutral","sentiment_score":0.028511836858732358,"channel":0,"num_words":28,"start":915.985,"end":924.86},{"sentences":[{"text":"Yes.","start":924.74,"end":925.24,"sentiment":"neutral","sentiment_score":-0.024988245218992233}],"sentiment":"neutral","sentiment_score":-0.024988245218992233,"channel":1,"num_words":1,"start":924.74,"end":925.24},{"sentences":[{"text":"of don't wanna see really big down times and see really large dips in your portfolio just when you're wanting to take money up because it means you have to sort of you have to, you know, cement those losses and take money you may have to take money out in the downtime.","start":924.86,"end":939.035,"sentiment":"neutral","sentiment_score":-0.2757278926811128},{"text":"Does that make sense?","start":939.035,"end":940.175,"sentiment":"neutral","sentiment_score":-0.05187635216861963}],"sentiment":"neutral","sentiment_score":-0.2600190126451484,"channel":0,"num_words":57,"start":924.86,"end":940.175},{"sentences":[{"text":"Yeah.","start":940.185,"end":940.505,"sentiment":"neutral","sentiment_score":0.049949344247579575},{"text":"It comes.","start":940.505,"end":941.065,"sentiment":"neutral","sentiment_score":0.055314116179943085},{"text":"Yep.","start":941.065,"end":941.565,"sentiment":"neutral","sentiment_score":0.12918046116828918},{"text":"Yep.","start":941.625,"end":942.125,"sentiment":"neutral","sentiment_score":0.14470171928405762}],"sentiment":"neutral","sentiment_score":0.08689195141196251,"channel":1,"num_words":5,"start":940.185,"end":942.125},{"sentences":[{"text":"Yeah.","start":941.755,"end":942.255,"sentiment":"neutral","sentiment_score":0.17648003995418549},{"text":"So this is also about reducing your risk level, and that's why we're making the changes that we've got above there.","start":942.795,"end":948.02997,"sentiment":"neutral","sentiment_score":0.24081182976563772},{"text":"So it's about making sure that we're reducing some of those growth assets, making sure you've got more of these defensive assets, things like cash, fixed interest, or defensive, you know, alternatives out there.","start":948.02997,"end":959.97,"sentiment":"neutral","sentiment_score":0.200155519606436},{"text":"Mostly, it's sort of looking at cash and fixed interest investments because they are seeing as better they do, tend to get a good rate of return, and it's about making sure that you're also getting income.","start":960.14496,"end":971.185,"sentiment":"neutral","sentiment_score":0.32989132645967845},{"text":"So we wanna make sure your portfolio generates income.","start":971.185,"end":974.165,"sentiment":"neutral","sentiment_score":0.28326135211520725}],"sentiment":"neutral","sentiment_score":0.26268771940878793,"channel":0,"num_words":102,"start":941.755,"end":974.165},{"sentences":[{"text":"Those dividend payments and income are paid into your cash account, and we can reinvest that into your portfolio for you as well for compounding.","start":974.88,"end":982.02,"sentiment":"neutral","sentiment_score":0.22378353178501129},{"text":"Does that make","start":982.16003,"end":982.80005,"sentiment":"neutral","sentiment_score":0.09917752196391423}],"sentiment":"neutral","sentiment_score":0.21043288787560804,"channel":0,"num_words":28,"start":974.88,"end":982.80005},{"sentences":[{"text":"Yeah.","start":982.78,"end":983.02,"sentiment":"neutral","sentiment_score":0.11944974958896636}],"sentiment":"neutral","sentiment_score":0.11944974958896636,"channel":1,"num_words":1,"start":982.78,"end":983.02},{"sentences":[{"text":"sense?","start":982.80005,"end":983.30005,"sentiment":"neutral","sentiment_score":0.09200939536094666}],"sentiment":"neutral","sentiment_score":0.09200939536094666,"channel":0,"num_words":1,"start":982.80005,"end":983.30005},{"sentences":[{"text":"Right.","start":983.02,"end":983.5,"sentiment":"neutral","sentiment_score":0.10754726827144624},{"text":"Yeah.","start":983.5,"end":983.82,"sentiment":"neutral","sentiment_score":0.09573784470558168},{"text":"Yeah.","start":983.82,"end":984.32,"sentiment":"neutral","sentiment_score":0.09662798792123796}],"sentiment":"neutral","sentiment_score":0.0999710336327553,"channel":1,"num_words":3,"start":983.02,"end":984.32},{"sentences":[{"text":"Yeah.","start":984.24005,"end":984.74005,"sentiment":"neutral","sentiment_score":0.0950869619846344},{"text":"So at the moment, if you look at that table, the risk profile that you scored in with that balanced area, you would normally see about 60% growth investments and 40% defensive.","start":985.28,"end":996.005,"sentiment":"neutral","sentiment_score":0.05755217489786446},{"text":"With the way you are at the moment in that growth portfolio, you've got 87.99% in growth investment.","start":996.70496,"end":1003.445,"sentiment":"neutral","sentiment_score":0.09071463781098525},{"text":"So you've got quite a lot more invested than where you would be normally be comfortable, and then only 12.01% in those investments defensive investments at the bottom there.","start":1003.59,"end":1014.07,"sentiment":"neutral","sentiment_score":0.009113983090581566},{"text":"So you can see","start":1014.07,"end":1014.63,"sentiment":"neutral","sentiment_score":-0.0013647554442286491}],"sentiment":"neutral","sentiment_score":0.045576982466237884,"channel":0,"num_words":84,"start":984.24005,"end":1014.63},{"sentences":[{"text":"Yes.","start":1014.555,"end":1015.055,"sentiment":"neutral","sentiment_score":-0.0654422864317894}],"sentiment":"neutral","sentiment_score":-0.0654422864317894,"channel":1,"num_words":1,"start":1014.555,"end":1015.055},{"sentences":[{"text":"there's quite a big discrepancy between where your risk profile fits and where you're currently invested in your super.","start":1014.63,"end":1021.585,"sentiment":"neutral","sentiment_score":-0.29919248662496867},{"text":"Okay?","start":1021.965,"end":1022.465,"sentiment":"neutral","sentiment_score":-0.1429789662361145}],"sentiment":"neutral","sentiment_score":-0.291381810605526,"channel":0,"num_words":20,"start":1014.63,"end":1022.465},{"sentences":[{"text":"Yeah.","start":1022.075,"end":1022.395,"sentiment":"neutral","sentiment_score":-0.08250461518764496},{"text":"Right.","start":1022.395,"end":1022.875,"sentiment":"neutral","sentiment_score":-0.04800942540168762},{"text":"Okay.","start":1022.875,"end":1023.375,"sentiment":"neutral","sentiment_score":-0.011231929063796995}],"sentiment":"neutral","sentiment_score":-0.04724865655104319,"channel":1,"num_words":3,"start":1022.075,"end":1023.375},{"sentences":[{"text":"Yeah.","start":1023.565,"end":1024.065,"sentiment":"neutral","sentiment_score":0.053221382200717926}],"sentiment":"neutral","sentiment_score":0.053221382200717926,"channel":0,"num_words":1,"start":1023.565,"end":1024.065},{"sentences":[{"text":"Yep.","start":1023.59503,"end":1024.095,"sentiment":"neutral","sentiment_score":0.12291345000267027}],"sentiment":"neutral","sentiment_score":0.12291345000267027,"channel":1,"num_words":1,"start":1023.59503,"end":1024.095},{"sentences":[{"text":"So what we'd be looking to do is make those changes that you see above, which brings your growth investments down to about 65%, and then we increase those defensive investments to 35.","start":1024.605,"end":1036.5599,"sentiment":"neutral","sentiment_score":0.22983961574959033},{"text":"So closing that gap a little bit.","start":1036.5599,"end":1038.24,"sentiment":"neutral","sentiment_score":0.046988162611212046},{"text":"Does that make sense?","start":1038.24,"end":1039.2999,"sentiment":"neutral","sentiment_score":0.12060603871941566}],"sentiment":"neutral","sentiment_score":0.19081928665665063,"channel":0,"num_words":44,"start":1024.605,"end":1039.2999},{"sentences":[{"text":"Yeah.","start":1039.28,"end":1039.52,"sentiment":"neutral","sentiment_score":0.16442647576332092},{"text":"It does.","start":1039.52,"end":1040.1799,"sentiment":"neutral","sentiment_score":0.1900768280029297},{"text":"Yeah.","start":1040.24,"end":1040.72,"sentiment":"neutral","sentiment_score":0.11775071173906326},{"text":"Yeah.","start":1040.72,"end":1041.22,"sentiment":"neutral","sentiment_score":0.14163491129875183}],"sentiment":"neutral","sentiment_score":0.16079315096139907,"channel":1,"num_words":5,"start":1039.28,"end":1041.22},{"sentences":[{"text":"Yeah.","start":1040.88,"end":1041.38,"sentiment":"neutral","sentiment_score":0.17669647932052612},{"text":"Yeah.","start":1041.6799,"end":1042.1799,"sentiment":"neutral","sentiment_score":0.2801843285560608},{"text":"Perfect.","start":1042.64,"end":1043.14,"sentiment":"positive","sentiment_score":0.5664514303207397},{"text":"Do you have any questions at the moment at all?","start":1044.5599,"end":1047.14,"sentiment":"neutral","sentiment_score":0.19286073967814446}],"sentiment":"neutral","sentiment_score":0.22707227961375162,"channel":0,"num_words":13,"start":1040.88,"end":1047.14},{"sentences":[{"text":"Yeah.","start":1047.115,"end":1047.355,"sentiment":"neutral","sentiment_score":0.03348426893353462},{"text":"Not that I can really so how much like, when I like, at 65 or 67, whatever age it's gonna be, how much would I","start":1047.355,"end":1055.1951,"sentiment":"neutral","sentiment_score":-0.2933599609136581}],"sentiment":"neutral","sentiment_score":-0.2807890289964584,"channel":1,"num_words":26,"start":1047.115,"end":1055.1951},{"sentences":[{"text":"Mhmm.","start":1055.1549,"end":1055.6549,"sentiment":"neutral","sentiment_score":-0.15527862310409546}],"sentiment":"neutral","sentiment_score":-0.15527862310409546,"channel":0,"num_words":1,"start":1055.1549,"end":1055.6549},{"sentences":[{"text":"will I end you can't well, you tell me how much will I end up having in my super.","start":1055.355,"end":1059.78,"sentiment":"neutral","sentiment_score":-0.21898058566607928}],"sentiment":"neutral","sentiment_score":-0.21898058566607928,"channel":1,"num_words":19,"start":1055.355,"end":1059.78},{"sentences":[{"text":"Yeah.","start":1060.37,"end":1060.69,"sentiment":"neutral","sentiment_score":0.1577760875225067},{"text":"I can actually show you the projection table if you like.","start":1060.69,"end":1063.6699,"sentiment":"neutral","sentiment_score":0.1942182264544747},{"text":"If you scroll down to page 21 for me, I've actually got an outline and a projection.","start":1064.13,"end":1068.87,"sentiment":"neutral","sentiment_score":0.12223137038595536}],"sentiment":"neutral","sentiment_score":0.15076240948561964,"channel":0,"num_words":29,"start":1060.37,"end":1068.87},{"sentences":[{"text":"Yeah.","start":1069.68,"end":1070.0,"sentiment":"neutral","sentiment_score":0.10472512245178224},{"text":"I've got it here.","start":1070.0,"end":1070.88,"sentiment":"neutral","sentiment_score":0.10848505236208439},{"text":"Yeah.","start":1070.88,"end":1071.38,"sentiment":"neutral","sentiment_score":0.12495170533657074}],"sentiment":"neutral","sentiment_score":0.11060283953944842,"channel":1,"num_words":6,"start":1069.68,"end":1071.38},{"sentences":[{"text":"Yeah.","start":1071.585,"end":1071.905,"sentiment":"neutral","sentiment_score":0.15390099585056305},{"text":"So you'll see the fee comparison table at the top has your balance.","start":1071.905,"end":1075.905,"sentiment":"neutral","sentiment_score":0.23183601177655733},{"text":"Essentially, you've got $1.45 $2.04 0 now.","start":1075.905,"end":1079.2849,"sentiment":"neutral","sentiment_score":0.20510147086211614},{"text":"You currently got your administration fees, investment fees that you pay at the moment, our ongoing service fee for looking after and monitoring everything, contributions based on the income that you've got, and then your insurance premiums there as well.","start":1079.745,"end":1093.0599,"sentiment":"neutral","sentiment_score":0.20627301651984453},{"text":"You'll sort of remember from the table above, you've got the 80% growth, 20% defensive, and that puts you in line with that growth asset allocation there.","start":1093.52,"end":1103.1749,"sentiment":"positive","sentiment_score":0.364385653425146}],"sentiment":"neutral","sentiment_score":0.25787287213924254,"channel":0,"num_words":88,"start":1071.585,"end":1103.1749},{"sentences":[{"text":"Mhmm.","start":1103.635,"end":1104.135,"sentiment":"neutral","sentiment_score":0.10879336297512054}],"sentiment":"neutral","sentiment_score":0.10879336297512054,"channel":1,"num_words":1,"start":1103.635,"end":1104.135},{"sentences":[{"text":"And this the return at the bottom there is showing an average five year rolling average over the past sort of five years and how this how this portfolio that you're currently in has essentially looked to perform.","start":1104.115,"end":1116.01,"sentiment":"neutral","sentiment_score":0.30310050221650225},{"text":"Doesn't mean that you're gonna get that every year, but if you stayed exactly where you are in the same risk profile with no changes to your portfolio and you were able to get that 11.24%, over the next two to four years, you could see your super balance end up around this $1.75 to 210 mark.","start":1116.2301,"end":1134.585,"sentiment":"neutral","sentiment_score":0.21709201922803595},{"text":"Okay?","start":1134.725,"end":1135.225,"sentiment":"neutral","sentiment_score":0.09993556141853333}],"sentiment":"neutral","sentiment_score":0.24991666397545487,"channel":0,"num_words":96,"start":1104.115,"end":1135.225},{"sentences":[{"text":"Well, it's my time.","start":1135.155,"end":1136.375,"sentiment":"neutral","sentiment_score":0.022308053448796272},{"text":"Yes.","start":1136.515,"end":1137.015,"sentiment":"neutral","sentiment_score":0.26753342151641846}],"sentiment":"neutral","sentiment_score":0.0713531270623207,"channel":1,"num_words":5,"start":1135.155,"end":1137.015},{"sentences":[{"text":"That's where it could be, so long as it was able to get that 11.24%.","start":1136.6699,"end":1141.57,"sentiment":"neutral","sentiment_score":0.32589747111002604},{"text":"Now the one thing I do like to sort of talk about is taking utilizing projection tables with a grain of a salt because we know this portfolio that you're currently in, you're taking on a bit more risk at the moment.","start":1141.87,"end":1152.475,"sentiment":"neutral","sentiment_score":-0.13931891925278164},{"text":"You do wanna access super in the next sort of shorter 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have.","start":1172.75,"end":1180.875,"sentiment":"neutral","sentiment_score":-0.051136053699467866},{"text":"However, projections I like to point out should be taken with a grain of salt because, you know, in one year, you could get a 10% return, another year, you get a 20% return, but then we could also see a negative, you know, one or five or 10% return in that five year rolling period as well.","start":1181.0951,"end":1195.9601,"sentiment":"neutral","sentiment_score":-0.17828380663333268},{"text":"Does that make","start":1195.9601,"end":1196.6,"sentiment":"neutral","sentiment_score":-0.004108934352795283}],"sentiment":"neutral","sentiment_score":-0.1324112032738964,"channel":0,"num_words":89,"start":1172.75,"end":1196.6},{"sentences":[{"text":"Yes.","start":1196.495,"end":1196.8151,"sentiment":"neutral","sentiment_score":0.023660937324166294}],"sentiment":"neutral","sentiment_score":0.023660937324166294,"channel":1,"num_words":1,"start":1196.495,"end":1196.8151},{"sentences":[{"text":"sense?","start":1196.6,"end":1197.1,"sentiment":"neutral","sentiment_score":0.011648086830973623}],"sentiment":"neutral","sentiment_score":0.011648086830973623,"channel":0,"num_words":1,"start":1196.6,"end":1197.1},{"sentences":[{"text":"Right.","start":1196.8151,"end":1197.2151,"sentiment":"neutral","sentiment_score":0.041532427072525024},{"text":"Yeah.","start":1197.2151,"end":1197.7151,"sentiment":"neutral","sentiment_score":0.04609473794698715},{"text":"Yeah.","start":1197.935,"end":1198.0951,"sentiment":"neutral","sentiment_score":0.049193598330020905},{"text":"Yeah.","start":1198.0951,"end":1198.5951,"sentiment":"neutral","sentiment_score":0.0524064227938652}],"sentiment":"neutral","sentiment_score":0.04730679653584957,"channel":1,"num_words":4,"start":1196.8151,"end":1198.5951},{"sentences":[{"text":"Yeah.","start":1198.2001,"end":1198.7001,"sentiment":"neutral","sentiment_score":0.05130831524729729},{"text":"Yeah.","start":1198.92,"end":1199.4,"sentiment":"neutral","sentiment_score":0.04644240438938141},{"text":"But all things considered, if you stay where you were made, no changes to your portfolio.","start":1199.4,"end":1203.4349,"sentiment":"neutral","sentiment_score":-0.00839157123118639},{"text":"That's where you could end up.","start":1203.4349,"end":1205.135,"sentiment":"neutral","sentiment_score":0.025593270470077794},{"text":"What I'm recommending is on the next side.","start":1205.595,"end":1207.995,"sentiment":"neutral","sentiment_score":0.009054372436366975}],"sentiment":"neutral","sentiment_score":0.005921255695284344,"channel":0,"num_words":32,"start":1198.2001,"end":1207.995},{"sentences":[{"text":"So with the recommendations retaining Netwealth, you'll see your balance is different slightly, and that's because of the $729.","start":1207.995,"end":1215.835,"sentiment":"neutral","sentiment_score":0.022917400824984436},{"text":"Now as I kinda mentioned before, whenever we make changes to your investments, there are tax consequences for your super fund.","start":1215.835,"end":1223.46,"sentiment":"neutral","sentiment_score":-0.12879936663167818},{"text":"So your super fund does pay capital gains tax whenever we're buying and selling or making alterations to your portfolio.","start":1223.46,"end":1229.72,"sentiment":"neutral","sentiment_score":-0.11439705900847912},{"text":"So that $7.29 is basically the the capital gains tax that your super fund would need to pay or account for after we complete the switch to those investments.","start":1229.86,"end":1239.965,"sentiment":"neutral","sentiment_score":-0.09112789417649138},{"text":"Does that make sense?","start":1240.025,"end":1241.1649,"sentiment":"neutral","sentiment_score":0.009948416147381067}],"sentiment":"neutral","sentiment_score":-0.07699153258375102,"channel":0,"num_words":93,"start":1207.995,"end":1241.1649},{"sentences":[{"text":"Mhmm.","start":1241.37,"end":1241.87,"sentiment":"neutral","sentiment_score":0.002310432493686676},{"text":"It does.","start":1241.93,"end":1242.5701,"sentiment":"neutral","sentiment_score":0.05098285339772701}],"sentiment":"neutral","sentiment_score":0.034758713096380234,"channel":1,"num_words":3,"start":1241.37,"end":1242.5701},{"sentences":[{"text":"Yeah.","start":1242.52,"end":1242.92,"sentiment":"neutral","sentiment_score":0.10243768990039824}],"sentiment":"neutral","sentiment_score":0.10243768990039824,"channel":0,"num_words":1,"start":1242.52,"end":1242.92},{"sentences":[{"text":"Yep.","start":1242.5701,"end":1243.0701,"sentiment":"neutral","sentiment_score":0.194497674703598}],"sentiment":"neutral","sentiment_score":0.194497674703598,"channel":1,"num_words":1,"start":1242.5701,"end":1243.0701},{"sentences":[{"text":"Beautiful.","start":1242.92,"end":1243.42,"sentiment":"positive","sentiment_score":0.3891502618789673},{"text":"So your balance there would be $1.44 $5.01 1.","start":1243.7999,"end":1246.94,"sentiment":"neutral","sentiment_score":0.1199158974405792},{"text":"Underneath that, you have all your administration fees, investment","start":1247.16,"end":1250.2,"sentiment":"neutral","sentiment_score":0.04302862038215002}],"sentiment":"neutral","sentiment_score":0.09766583801492264,"channel":0,"num_words":19,"start":1242.92,"end":1250.2},{"sentences":[{"text":"Yes.","start":1249.905,"end":1250.405,"sentiment":"neutral","sentiment_score":0.0592762790620327}],"sentiment":"neutral","sentiment_score":0.0592762790620327,"channel":1,"num_words":1,"start":1249.905,"end":1250.405},{"sentences":[{"text":"fees, the ongoing service fee, your contribution again,","start":1250.2,"end":1253.1,"sentiment":"neutral","sentiment_score":0.08917513396590948}],"sentiment":"neutral","sentiment_score":0.08917513396590948,"channel":0,"num_words":8,"start":1250.2,"end":1253.1},{"sentences":[{"text":"Yep.","start":1253.105,"end":1253.605,"sentiment":"neutral","sentiment_score":0.1306515783071518}],"sentiment":"neutral","sentiment_score":0.1306515783071518,"channel":1,"num_words":1,"start":1253.105,"end":1253.605},{"sentences":[{"text":"and no change to your insurance premium.","start":1253.32,"end":1255.42,"sentiment":"neutral","sentiment_score":0.052128484206540246},{"text":"The difference being at the bottom there is that we are also looking to reduce your risk level, so moving you into more of a balanced portfolio.","start":1256.0449,"end":1262.385,"sentiment":"neutral","sentiment_score":0.1567591345972485},{"text":"And this balanced portfolio has been, over the past five years, a rolling return of about 9.73%.","start":1262.845,"end":1269.825,"sentiment":"neutral","sentiment_score":0.27035631590029774},{"text":"So whilst it is a bit lower than the growth portfolio, it is it's expected that when you're reducing your risk level, that the returns are going to be affected.","start":1270.1,"end":1278.5801,"sentiment":"neutral","sentiment_score":-0.203599468121926},{"text":"But you can see here with the balanced portfolio, over the next sort of two to four years, if you were able to get that 9% return every year, you can sort of see your balance grow over that $1.64 to $187,000 mark.","start":1278.5801,"end":1292.905,"sentiment":"positive","sentiment_score":0.6130107904589454}],"sentiment":"neutral","sentiment_score":0.23745913983833405,"channel":0,"num_words":124,"start":1253.32,"end":1292.905},{"sentences":[{"text":"And beyond that, it could continue to grow as well.","start":1292.905,"end":1295.385,"sentiment":"positive","sentiment_score":0.6343248009681701},{"text":"So I","start":1295.385,"end":1296.425,"sentiment":"positive","sentiment_score":0.34859417378902435}],"sentiment":"positive","sentiment_score":0.5867030297716459,"channel":0,"num_words":12,"start":1292.905,"end":1296.425},{"sentences":[{"text":"Right.","start":1296.36,"end":1296.86,"sentiment":"positive","sentiment_score":0.41247129440307617}],"sentiment":"positive","sentiment_score":0.41247129440307617,"channel":1,"num_words":1,"start":1296.36,"end":1296.86},{"sentences":[{"text":"am honest, and I'll let you know, obviously, reducing your risk level does reduce the returns as well, the expected returns to the portfolio.","start":1296.425,"end":1303.4601,"sentiment":"neutral","sentiment_score":0.28685318244000274},{"text":"A balanced portfolio can see greater returns than what you're currently getting at the moment or what is, you know, what it is showing here at that 9.73%.","start":1304.24,"end":1312.66,"sentiment":"positive","sentiment_score":0.5581276225192207},{"text":"But it's also about making sure that you're in a risk level that's comfortable for you.","start":1313.175,"end":1317.0951,"sentiment":"neutral","sentiment_score":0.3161723455414176},{"text":"And as we as I mentioned, as we get closer to retiring, having less of those ups and downs, having more of those defensive assets can sort of protect us against some of those really big drops that we can see over the next few years as well.","start":1317.0951,"end":1331.24,"sentiment":"positive","sentiment_score":0.3697264998530348},{"text":"Does that make sense?","start":1331.24,"end":1332.2999,"sentiment":"neutral","sentiment_score":0.21599106118083}],"sentiment":"positive","sentiment_score":0.3848470297952493,"channel":0,"num_words":120,"start":1296.425,"end":1332.2999},{"sentences":[{"text":"Right.","start":1331.905,"end":1332.385,"sentiment":"neutral","sentiment_score":0.20764735341072085},{"text":"Yeah.","start":1332.385,"end":1332.705,"sentiment":"neutral","sentiment_score":0.22610579431056976},{"text":"It does.","start":1332.705,"end":1333.365,"sentiment":"neutral","sentiment_score":0.22299565374851227}],"sentiment":"neutral","sentiment_score":0.21993611380457878,"channel":1,"num_words":4,"start":1331.905,"end":1333.365},{"sentences":[{"text":"Yeah.","start":1333.24,"end":1333.74,"sentiment":"neutral","sentiment_score":0.12130072712898254}],"sentiment":"neutral","sentiment_score":0.12130072712898254,"channel":0,"num_words":1,"start":1333.24,"end":1333.74},{"sentences":[{"text":"Yeah.","start":1333.425,"end":1333.925,"sentiment":"neutral","sentiment_score":0.09162406623363496}],"sentiment":"neutral","sentiment_score":0.09162406623363496,"channel":1,"num_words":1,"start":1333.425,"end":1333.925},{"sentences":[{"text":"Did you wanna ask any additional questions here?","start":1333.88,"end":1336.6,"sentiment":"neutral","sentiment_score":0.04500478878617287},{"text":"I know this can be a little bit to go through, but did you wanna did you want me to clarify anything more for you?","start":1336.6,"end":1342.5399,"sentiment":"neutral","sentiment_score":0.004931615442037582}],"sentiment":"neutral","sentiment_score":0.014646324131524923,"channel":0,"num_words":33,"start":1333.88,"end":1342.5399},{"sentences":[{"text":"I don't think so.","start":1343.665,"end":1345.32,"sentiment":"neutral","sentiment_score":-0.12065274082124233},{"text":"What I was","start":1345.32,"end":1345.96,"sentiment":"neutral","sentiment_score":-0.07452980056405067}],"sentiment":"neutral","sentiment_score":-0.10088576642530304,"channel":1,"num_words":7,"start":1343.665,"end":1345.96},{"sentences":[{"text":"No.","start":1345.815,"end":1346.315,"sentiment":"neutral","sentiment_score":-0.08857514709234238}],"sentiment":"neutral","sentiment_score":-0.08857514709234238,"channel":0,"num_words":1,"start":1345.815,"end":1346.315},{"sentences":[{"text":"going to ask, so","start":1345.96,"end":1347.26,"sentiment":"neutral","sentiment_score":-0.08466668613255024}],"sentiment":"neutral","sentiment_score":-0.08466668613255024,"channel":1,"num_words":4,"start":1345.96,"end":1347.26},{"sentences":[{"text":"Sure.","start":1347.335,"end":1347.835,"sentiment":"neutral","sentiment_score":-0.042364150285720825}],"sentiment":"neutral","sentiment_score":-0.042364150285720825,"channel":0,"num_words":1,"start":1347.335,"end":1347.835},{"sentences":[{"text":"if I get paid a super, do I, like I want to get do I get paid a pension as well because I have a debt for this is all my assets?","start":1347.48,"end":1356.2,"sentiment":"neutral","sentiment_score":-0.08595839224290103},{"text":"Or what happens how does it go?","start":1356.2,"end":1358.265,"sentiment":"neutral","sentiment_score":-0.06467688828706741}],"sentiment":"neutral","sentiment_score":-0.0821386351226232,"channel":1,"num_words":39,"start":1347.48,"end":1358.265},{"sentences":[{"text":"Yeah.","start":1358.7899,"end":1359.27,"sentiment":"neutral","sentiment_score":0.03030417673289776},{"text":"Absolutely.","start":1359.27,"end":1359.77,"sentiment":"neutral","sentiment_score":0.041516486555337906},{"text":"So when you are you sort of talking about the age pension at age 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how","start":1366.745,"end":1367.145,"sentiment":"neutral","sentiment_score":-0.009705301374197006}],"sentiment":"neutral","sentiment_score":0.002349032050309082,"channel":1,"num_words":9,"start":1364.505,"end":1367.145},{"sentences":[{"text":"yeah.","start":1367.11,"end":1367.51,"sentiment":"neutral","sentiment_score":-0.004314787685871124}],"sentiment":"neutral","sentiment_score":-0.004314787685871124,"channel":0,"num_words":1,"start":1367.11,"end":1367.51},{"sentences":[{"text":"does it","start":1367.145,"end":1367.545,"sentiment":"neutral","sentiment_score":-0.01082487404346466}],"sentiment":"neutral","sentiment_score":-0.01082487404346466,"channel":1,"num_words":2,"start":1367.145,"end":1367.545},{"sentences":[{"text":"Yeah.","start":1367.51,"end":1368.01,"sentiment":"neutral","sentiment_score":-0.04266088455915451}],"sentiment":"neutral","sentiment_score":-0.04266088455915451,"channel":0,"num_words":1,"start":1367.51,"end":1368.01},{"sentences":[{"text":"all is that a stupid question?","start":1367.545,"end":1369.865,"sentiment":"neutral","sentiment_score":-0.13839730620384216},{"text":"Is it is","start":1369.865,"end":1370.425,"sentiment":"neutral","sentiment_score":-0.12674609820048013}],"sentiment":"neutral","sentiment_score":-0.13451357020272148,"channel":1,"num_words":9,"start":1367.545,"end":1370.425},{"sentences":[{"text":"No.","start":1370.2749,"end":1370.5149,"sentiment":"neutral","sentiment_score":-0.2339790165424347}],"sentiment":"neutral","sentiment_score":-0.2339790165424347,"channel":0,"num_words":1,"start":1370.2749,"end":1370.5149},{"sentences":[{"text":"it","start":1370.425,"end":1370.85,"sentiment":"neutral","sentiment_score":-0.17475561797618866}],"sentiment":"neutral","sentiment_score":-0.17475561797618866,"channel":1,"num_words":1,"start":1370.425,"end":1370.85},{"sentences":[{"text":"It's absolutely not.","start":1370.5149,"end":1371.715,"sentiment":"neutral","sentiment_score":-0.3251022696495056},{"text":"It's a fantastic question, actually.","start":1371.715,"end":1373.5549,"sentiment":"neutral","sentiment_score":0.2684986531734467},{"text":"So, Sharon, when you are closer to age pension age, and what I wanna do with you is kinda kinda keep monitoring things and make sure that we're working as hard as we can towards your goals and boosting super where we can.","start":1373.5549,"end":1385.19,"sentiment":"neutral","sentiment_score":0.22959759684149608},{"text":"But, essentially, when you're about thirteen weeks out from turning 67, you can apply for the age pension there.","start":1385.73,"end":1391.75,"sentiment":"neutral","sentiment_score":0.14235101365729383},{"text":"What they do is they have a look at all of your assets and your, so all of your assets, so any bank accounts you have, your cars, your contents, basically everything as well as your super.","start":1392.13,"end":1402.815,"sentiment":"neutral","sentiment_score":0.16572585420028582}],"sentiment":"neutral","sentiment_score":0.17828419613086174,"channel":0,"num_words":107,"start":1370.5149,"end":1402.815},{"sentences":[{"text":"So long as all of your assets and income are under certain thresholds, you can still have super and also draw some age pension.","start":1403.115,"end":1412.42,"sentiment":"neutral","sentiment_score":0.26041825860738754},{"text":"And part of what I do is look at advice on how you can structure things so you can draw some out of super but also some age pension because we know your balance is a little bit lower.","start":1413.04,"end":1422.48,"sentiment":"neutral","sentiment_score":0.21467106349957296},{"text":"You are closer to accessing super.","start":1422.48,"end":1424.56,"sentiment":"positive","sentiment_score":0.34744526942571},{"text":"So, you know, realistically wise, I'm not gonna expect that you're gonna have, you know, 6 to $900,000 in there.","start":1424.56,"end":1431.175,"sentiment":"neutral","sentiment_score":0.028983072750270365},{"text":"I'm I'm realistic about it.","start":1431.175,"end":1433.1951,"sentiment":"neutral","sentiment_score":0.11485375612974166}],"sentiment":"neutral","sentiment_score":0.19000863335392576,"channel":0,"num_words":94,"start":1403.115,"end":1433.1951},{"sentences":[{"text":"However, even with a balance of 2 or $300,000 in super retirement, we can t team that up with some age pension, and you can still get longevity out of your super, and that's part of the advice that I'm able to provide down the track for you.","start":1433.655,"end":1448.6699,"sentiment":"positive","sentiment_score":0.5647193342447281},{"text":"Does that answer your question?","start":1448.6699,"end":1450.13,"sentiment":"neutral","sentiment_score":0.10975531041622162}],"sentiment":"positive","sentiment_score":0.5217981999212841,"channel":0,"num_words":53,"start":1433.655,"end":1450.13},{"sentences":[{"text":"Yeah.","start":1450.675,"end":1451.0751,"sentiment":"neutral","sentiment_score":0.1280982494354248},{"text":"Kind yeah.","start":1451.0751,"end":1451.795,"sentiment":"neutral","sentiment_score":0.12377436831593513},{"text":"Sort 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okay.","start":1453.005,"end":1453.745,"sentiment":"neutral","sentiment_score":0.1729784905910492}],"sentiment":"neutral","sentiment_score":0.1729784905910492,"channel":0,"num_words":2,"start":1453.005,"end":1453.745},{"sentences":[{"text":"I wouldn't get I'd only get part what would I get?","start":1453.395,"end":1456.41,"sentiment":"neutral","sentiment_score":-0.003873356025327336},{"text":"Part pension and part soup.","start":1456.49,"end":1458.17,"sentiment":"neutral","sentiment_score":0.03609456717967987},{"text":"Is that how it works or what?","start":1458.17,"end":1459.63,"sentiment":"neutral","sentiment_score":0.08236844678010259}],"sentiment":"neutral","sentiment_score":0.031062828133935513,"channel":1,"num_words":23,"start":1453.395,"end":1459.63},{"sentences":[{"text":"Yeah.","start":1460.0449,"end":1460.365,"sentiment":"neutral","sentiment_score":0.0873108059167862},{"text":"Well, at the moment, depending on your assets, sir, at the moment, given the assets that I have here, I'm just double checking because with your super balance and just seeing what else I've got noted here.","start":1460.365,"end":1471.22,"sentiment":"neutral","sentiment_score":0.10238896562038241},{"text":"All in all, super's $1.45, and we've got other assets totaling about 153.","start":1472.24,"end":1478.5,"sentiment":"neutral","sentiment_score":0.10494400675480182},{"text":"Realistically, you are, at the moment, eligible to get the full age pension,","start":1479.995,"end":1486.255,"sentiment":"neutral","sentiment_score":0.1798443358678084}],"sentiment":"neutral","sentiment_score":0.11840548418695107,"channel":0,"num_words":64,"start":1460.0449,"end":1486.255},{"sentences":[{"text":"Yes.","start":1486.27,"end":1486.77,"sentiment":"neutral","sentiment_score":0.1946047693490982}],"sentiment":"neutral","sentiment_score":0.1946047693490982,"channel":1,"num_words":1,"start":1486.27,"end":1486.77},{"sentences":[{"text":"and then we can also draw a little bit out of so 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could draw just a small amount out of sleep with a supplement the difference to make sure you have enough in the way of living expenses.","start":1509.345,"end":1516.245,"sentiment":"neutral","sentiment_score":0.16567304304667882}],"sentiment":"neutral","sentiment_score":0.16567304304667882,"channel":0,"num_words":28,"start":1509.345,"end":1516.245},{"sentences":[{"text":"Yep.","start":1516.78,"end":1517.28,"sentiment":"neutral","sentiment_score":0.09449897706508636},{"text":"So did you say I that my super is 100 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it.","start":1884.38,"end":1885.02,"sentiment":"neutral","sentiment_score":0.16979138553142548}],"sentiment":"neutral","sentiment_score":0.10695057113965352,"channel":1,"num_words":9,"start":1882.86,"end":1885.02},{"sentences":[{"text":"Yeah.","start":1884.695,"end":1885.195,"sentiment":"neutral","sentiment_score":0.2209397405385971}],"sentiment":"neutral","sentiment_score":0.2209397405385971,"channel":0,"num_words":1,"start":1884.695,"end":1885.195},{"sentences":[{"text":"Yep.","start":1885.02,"end":1885.52,"sentiment":"positive","sentiment_score":0.3963130116462707}],"sentiment":"positive","sentiment_score":0.3963130116462707,"channel":1,"num_words":1,"start":1885.02,"end":1885.52},{"sentences":[{"text":"Perfect.","start":1885.495,"end":1885.995,"sentiment":"positive","sentiment_score":0.6307268142700195},{"text":"Now the way we're sort of looking to do this and the way this sort of strategy works is that we're able to move a certain portion of your funds into the account based pension side.","start":1886.855,"end":1896.9701,"sentiment":"neutral","sentiment_score":0.3276040570603477},{"text":"It's called a TTR pension, a transit retirement pension account.","start":1896.9701,"end":1900.75,"sentiment":"neutral","sentiment_score":0.1888604626059532},{"text":"We do have to leave about 10,000 behind, and the strategy I've worked out on the second line here, it shows you that we're gonna commence that with a 134,411, and we're gonna leave that 10,050 in your current accumulation account.","start":1901.29,"end":1917.535,"sentiment":"neutral","sentiment_score":0.19175726611439775},{"text":"So you'll end up with two super accounts.","start":1917.535,"end":1919.635,"sentiment":"neutral","sentiment_score":0.17866738140583038}],"sentiment":"neutral","sentiment_score":0.24587983808790645,"channel":0,"num_words":96,"start":1885.495,"end":1919.635},{"sentences":[{"text":"One super accumulation as you have it now.","start":1919.935,"end":1922.64,"sentiment":"neutral","sentiment_score":0.15712216310203075},{"text":"The next one's gonna be like a a it says pension account, TTR pension account on there, and you'll see the funds distributed between the two accounts.","start":1922.72,"end":1930.1,"sentiment":"neutral","sentiment_score":0.08660371394621001}],"sentiment":"neutral","sentiment_score":0.10272221661039761,"channel":0,"num_words":35,"start":1919.935,"end":1930.1},{"sentences":[{"text":"Yep.","start":1930.5751,"end":1930.95,"sentiment":"neutral","sentiment_score":0.1900339126586914}],"sentiment":"neutral","sentiment_score":0.1900339126586914,"channel":1,"num_words":1,"start":1930.5751,"end":1930.95},{"sentences":[{"text":"What we're going to do, and I'll go through this a little bit easier.","start":1930.96,"end":1934.64,"sentiment":"neutral","sentiment_score":0.19863409655434744},{"text":"If you scroll down past that writing because it can be a bit confusing, if you scroll down to page the bottom of page twenty six and twenty seven there, I've actually got a table that outlines this.","start":1934.64,"end":1945.595,"sentiment":"neutral","sentiment_score":0.025908460448447027},{"text":"And when we sort of spoke last time, you sent me a copy of your two payslips.","start":1945.815,"end":1949.735,"sentiment":"neutral","sentiment_score":0.12977398931980133},{"text":"So I was able to have a look at your payslips to work out what your average earning capacity is and so","start":1949.735,"end":1955.98,"sentiment":"neutral","sentiment_score":0.2041373855688355}],"sentiment":"neutral","sentiment_score":0.11497339725003138,"channel":0,"num_words":91,"start":1930.96,"end":1955.98},{"sentences":[{"text":"Yep.","start":1955.825,"end":1956.325,"sentiment":"neutral","sentiment_score":0.2831658124923706}],"sentiment":"neutral","sentiment_score":0.2831658124923706,"channel":1,"num_words":1,"start":1955.825,"end":1956.325},{"sentences":[{"text":"we can look at how best to keep your take home pay as much the same as possible.","start":1955.98,"end":1960.5599,"sentiment":"neutral","sentiment_score":0.30535928573873306},{"text":"Okay?","start":1960.7,"end":1961.2,"sentiment":"neutral","sentiment_score":0.1531968116760254}],"sentiment":"neutral","sentiment_score":0.2973507344722748,"channel":0,"num_words":19,"start":1955.98,"end":1961.2},{"sentences":[{"text":"Yes.","start":1961.9099,"end":1962.4099,"sentiment":"neutral","sentiment_score":0.02887687273323536}],"sentiment":"neutral","sentiment_score":0.02887687273323536,"channel":1,"num_words":1,"start":1961.9099,"end":1962.4099},{"sentences":[{"text":"So what I had to look at because you are an aged care worker, you do get different penalties and do work, you know, some additional shifts here and there.","start":1962.86,"end":1971.0851,"sentiment":"neutral","sentiment_score":-0.004883081931620836},{"text":"So what I've done is I've taken your highest payslip, worked off your gross income, and projected that forward to make sure we're not exceeding any contributions caps at all.","start":1971.4651,"end":1981.485,"sentiment":"neutral","sentiment_score":0.127167230596145},{"text":"But, essentially,","start":1981.74,"end":1982.4,"sentiment":"neutral","sentiment_score":0.0741339847445488}],"sentiment":"neutral","sentiment_score":0.06156116821652939,"channel":0,"num_words":62,"start":1962.86,"end":1982.4},{"sentences":[{"text":"Mhmm.","start":1982.0651,"end":1982.5651,"sentiment":"neutral","sentiment_score":0.059167638421058655}],"sentiment":"neutral","sentiment_score":0.059167638421058655,"channel":1,"num_words":1,"start":1982.0651,"end":1982.5651},{"sentences":[{"text":"when I had a look at your pay slip and evened it out over the course of the year, it did show me that your gross income for the year is expected to be about 65,115.","start":1982.46,"end":1992.56,"sentiment":"neutral","sentiment_score":0.11751066406981812},{"text":"Can I double check?","start":1993.1,"end":1994.3,"sentiment":"neutral","sentiment_score":0.017815210390836},{"text":"Would that have changed since would you be on anything more than that since we last caught up?","start":1994.3,"end":1999.3251,"sentiment":"neutral","sentiment_score":-0.02792609120822615},{"text":"Would that be","start":1999.3251,"end":2000.225,"sentiment":"neutral","sentiment_score":-0.0102534598360459}],"sentiment":"neutral","sentiment_score":0.06177401191509161,"channel":0,"num_words":61,"start":1982.46,"end":2000.225},{"sentences":[{"text":"Mhmm.","start":2000.61,"end":2000.77,"sentiment":"neutral","sentiment_score":-0.0055173723958432674},{"text":"No.","start":2000.77,"end":2001.27,"sentiment":"neutral","sentiment_score":-0.16577032208442688},{"text":"My pays really don't change at all because I there's quite a few of us at work that just do day shift.","start":2001.6349,"end":2008.9149,"sentiment":"neutral","sentiment_score":-0.1483094600791281},{"text":"I don't do afternoon or night shift or just do day shift.","start":2008.9149,"end":2012.595,"sentiment":"neutral","sentiment_score":-0.12668554112315178},{"text":"I've been there that long, but, yeah, we've got our","start":2012.595,"end":2015.095,"sentiment":"neutral","sentiment_score":-0.08355361483991146}],"sentiment":"neutral","sentiment_score":-0.12586648821952226,"channel":1,"num_words":46,"start":2000.61,"end":2015.095},{"sentences":[{"text":"Okay.","start":2014.78,"end":2015.28,"sentiment":"neutral","sentiment_score":-0.032134827226400375}],"sentiment":"neutral","sentiment_score":-0.032134827226400375,"channel":0,"num_words":1,"start":2014.78,"end":2015.28},{"sentences":[{"text":"shifts","start":2015.315,"end":2015.715,"sentiment":"neutral","sentiment_score":-0.024794265627861023}],"sentiment":"neutral","sentiment_score":-0.024794265627861023,"channel":1,"num_words":1,"start":2015.315,"end":2015.715},{"sentences":[{"text":"Yeah.","start":2015.3401,"end":2015.8401,"sentiment":"neutral","sentiment_score":-0.01792679913341999}],"sentiment":"neutral","sentiment_score":-0.01792679913341999,"channel":0,"num_words":1,"start":2015.3401,"end":2015.8401},{"sentences":[{"text":"and that's it.","start":2015.715,"end":2016.45,"sentiment":"neutral","sentiment_score":-0.02317905363937219},{"text":"Yeah.","start":2016.61,"end":2017.11,"sentiment":"neutral","sentiment_score":0.13731682300567627}],"sentiment":"neutral","sentiment_score":0.016944915521889925,"channel":1,"num_words":4,"start":2015.715,"end":2017.11},{"sentences":[{"text":"Beautiful.","start":2017.02,"end":2017.52,"sentiment":"positive","sentiment_score":0.5882232189178467},{"text":"Excellent.","start":2017.74,"end":2018.24,"sentiment":"positive","sentiment_score":0.5846884250640869},{"text":"So we've worked out your income here.","start":2018.38,"end":2020.62,"sentiment":"neutral","sentiment_score":0.25782970019749235},{"text":"So what essentially happens is and you'll see the current position and proposed position.","start":2020.62,"end":2025.045,"sentiment":"neutral","sentiment_score":0.13801173652921403},{"text":"The proposed is what we're gonna do to make the changes.","start":2025.045,"end":2028.345,"sentiment":"neutral","sentiment_score":0.18604018471457742}],"sentiment":"neutral","sentiment_score":0.20459782025393317,"channel":0,"num_words":34,"start":2017.02,"end":2028.345},{"sentences":[{"text":"Essentially, having your income at that 65,115 gross, at the moment, there's no salary sacrifice contributions.","start":2028.885,"end":2036.905,"sentiment":"neutral","sentiment_score":0.10202787397429347},{"text":"So you'll see your net income, your net taxable income is about 65.","start":2037.39,"end":2042.43,"sentiment":"neutral","sentiment_score":0.12144581400431119},{"text":"So it's your gross taxable net income.","start":2042.43,"end":2044.37,"sentiment":"neutral","sentiment_score":0.055783387539642196},{"text":"Gross taxable income, I'm sorry, Sharon.","start":2044.59,"end":2046.27,"sentiment":"neutral","sentiment_score":-0.0066773645812645555},{"text":"If I could talk this afternoon,","start":2046.27,"end":2047.39,"sentiment":"neutral","sentiment_score":-0.005143677505354087}],"sentiment":"neutral","sentiment_score":0.07355831303963593,"channel":0,"num_words":48,"start":2028.885,"end":2047.39},{"sentences":[{"text":"Yes.","start":2047.17,"end":2047.67,"sentiment":"neutral","sentiment_score":0.039382901042699814}],"sentiment":"neutral","sentiment_score":0.039382901042699814,"channel":1,"num_words":1,"start":2047.17,"end":2047.67},{"sentences":[{"text":"it would be okay.","start":2047.39,"end":2048.03,"sentiment":"neutral","sentiment_score":0.04779113084077835},{"text":"I'm being","start":2048.03,"end":2048.51,"sentiment":"neutral","sentiment_score":0.01993438322097063}],"sentiment":"neutral","sentiment_score":0.03850554830084244,"channel":0,"num_words":6,"start":2047.39,"end":2048.51},{"sentences":[{"text":"Yes.","start":2048.45,"end":2048.95,"sentiment":"neutral","sentiment_score":0.021218575537204742}],"sentiment":"neutral","sentiment_score":0.021218575537204742,"channel":1,"num_words":1,"start":2048.45,"end":2048.95},{"sentences":[{"text":"tongue tied.","start":2048.51,"end":2049.25,"sentiment":"neutral","sentiment_score":0.013945146463811398}],"sentiment":"neutral","sentiment_score":0.013945146463811398,"channel":0,"num_words":2,"start":2048.51,"end":2049.25},{"sentences":[{"text":"Yes.","start":2049.4102,"end":2049.9102,"sentiment":"neutral","sentiment_score":0.0525449775159359}],"sentiment":"neutral","sentiment_score":0.0525449775159359,"channel":1,"num_words":1,"start":2049.4102,"end":2049.9102},{"sentences":[{"text":"It's $65.01 $1.05.","start":2049.485,"end":2051.565,"sentiment":"neutral","sentiment_score":0.03716112673282623},{"text":"And then the income tax on that the income tax taken out is 11,601, which essentially means that your take home pay is about 53,514 there.","start":2051.565,"end":2063.245,"sentiment":"neutral","sentiment_score":0.04058162982647236},{"text":"Okay?","start":2063.245,"end":2063.745,"sentiment":"neutral","sentiment_score":0.04741284251213074}],"sentiment":"neutral","sentiment_score":0.04046728660662969,"channel":0,"num_words":30,"start":2049.485,"end":2063.745},{"sentences":[{"text":"Yes.","start":2063.635,"end":2064.135,"sentiment":"neutral","sentiment_score":0.08824191987514496},{"text":"Yep.","start":2064.2751,"end":2064.7751,"sentiment":"neutral","sentiment_score":0.11484673619270323}],"sentiment":"neutral","sentiment_score":0.1015443280339241,"channel":1,"num_words":2,"start":2063.635,"end":2064.7751},{"sentences":[{"text":"With the proposed column, we start again at the top with your your gross income, and then we're gonna increase your salary sacrifice contribution.","start":2064.67,"end":2072.45,"sentiment":"neutral","sentiment_score":0.12606376595795155},{"text":"So for the year, we're gonna then put 20,200 in there that you get paid on a fortnightly basis.","start":2072.83,"end":2080.885,"sentiment":"neutral","sentiment_score":0.16166057359231145},{"text":"So","start":2081.5051,"end":2081.745,"sentiment":"neutral","sentiment_score":0.16065727174282074}],"sentiment":"neutral","sentiment_score":0.14222133074971763,"channel":0,"num_words":44,"start":2064.67,"end":2081.745},{"sentences":[{"text":"Yes.","start":2081.7,"end":2082.2,"sentiment":"neutral","sentiment_score":0.21163544058799744}],"sentiment":"neutral","sentiment_score":0.21163544058799744,"channel":1,"num_words":1,"start":2081.7,"end":2082.2},{"sentences":[{"text":"I'll work it out for you as a fortnight.","start":2081.745,"end":2083.845,"sentiment":"neutral","sentiment_score":0.24085393796364465},{"text":"It would be about $776.92 per fortnight.","start":2084.465,"end":2088.965,"sentiment":"neutral","sentiment_score":0.02100902982056141},{"text":"That we increase your contributions in to supervise that amount.","start":2089.425,"end":2093.045,"sentiment":"neutral","sentiment_score":0.03562965840101242},{"text":"And then you'll see there that does decrease your take home pay.","start":2093.4,"end":2096.8398,"sentiment":"neutral","sentiment_score":-0.07135924138128757},{"text":"So your take home pay decreases to 44,915.","start":2096.8398,"end":2101.02,"sentiment":"neutral","sentiment_score":-0.06680776458233595}],"sentiment":"neutral","sentiment_score":0.027832004808537338,"channel":0,"num_words":46,"start":2081.745,"end":2101.02},{"sentences":[{"text":"It also decreases your income tax.","start":2101.48,"end":2103.7998,"sentiment":"neutral","sentiment_score":-0.0816917655368646},{"text":"So your income tax goes from 11,601 to 4,843.","start":2103.7998,"end":2109.655,"sentiment":"neutral","sentiment_score":-0.06296980339619848},{"text":"Now because we know increase in the contributions reduces your take home pay, we don't want that.","start":2110.435,"end":2116.755,"sentiment":"negative","sentiment_score":-0.35371457040309906},{"text":"So under the strategy, you'll see on the bottom there, the pension withdrawal.","start":2116.755,"end":2121.98,"sentiment":"neutral","sentiment_score":0.005740278758681738},{"text":"It's the second column from the bottom of that same table.","start":2121.98,"end":2124.64,"sentiment":"neutral","sentiment_score":0.031041408296335827}],"sentiment":"neutral","sentiment_score":-0.11882048938423395,"channel":0,"num_words":56,"start":2101.48,"end":2124.64},{"sentences":[{"text":"The number 13,000","start":2125.02,"end":2126.54,"sentiment":"neutral","sentiment_score":0.01431625367452701}],"sentiment":"neutral","sentiment_score":0.01431625367452701,"channel":0,"num_words":3,"start":2125.02,"end":2126.54},{"sentences":[{"text":"On '20","start":2126.2651,"end":2126.8252,"sentiment":"neutral","sentiment_score":0.008962518535554409}],"sentiment":"neutral","sentiment_score":0.008962518535554409,"channel":1,"num_words":2,"start":2126.2651,"end":2126.8252},{"sentences":[{"text":"four 40","start":2126.54,"end":2127.18,"sentiment":"neutral","sentiment_score":0.010044710710644722}],"sentiment":"neutral","sentiment_score":0.010044710710644722,"channel":0,"num_words":2,"start":2126.54,"end":2127.18},{"sentences":[{"text":"on","start":2126.985,"end":2127.225,"sentiment":"neutral","sentiment_score":0.009750299155712128}],"sentiment":"neutral","sentiment_score":0.009750299155712128,"channel":1,"num_words":1,"start":2126.985,"end":2127.225},{"sentences":[{"text":"one.","start":2127.18,"end":2127.68,"sentiment":"neutral","sentiment_score":0.00964095164090395}],"sentiment":"neutral","sentiment_score":0.00964095164090395,"channel":0,"num_words":1,"start":2127.18,"end":2127.68},{"sentences":[{"text":"where was that?","start":2127.865,"end":2128.59,"sentiment":"neutral","sentiment_score":0.008763004715243975},{"text":"On","start":2129.07,"end":2129.57,"sentiment":"neutral","sentiment_score":0.008515825495123863}],"sentiment":"neutral","sentiment_score":0.008701209910213947,"channel":1,"num_words":4,"start":2127.865,"end":2129.57},{"sentences":[{"text":"So on the same line, look at the second last column from the bottom there.","start":2129.82,"end":2133.675,"sentiment":"neutral","sentiment_score":0.023924558671812216},{"text":"It says pension withdrawal, and the number is $13.04 $4.01.","start":2133.675,"end":2137.695,"sentiment":"neutral","sentiment_score":0.022221953980624674}],"sentiment":"neutral","sentiment_score":0.0232435167953372,"channel":0,"num_words":25,"start":2129.82,"end":2137.695},{"sentences":[{"text":"oh, yes.","start":2138.6702,"end":2139.31,"sentiment":"neutral","sentiment_score":0.10982124134898186},{"text":"Yes.","start":2139.31,"end":2139.81,"sentiment":"neutral","sentiment_score":0.16250330209732056}],"sentiment":"neutral","sentiment_score":0.12738192826509476,"channel":1,"num_words":3,"start":2138.6702,"end":2139.81},{"sentences":[{"text":"Yeah.","start":2139.995,"end":2140.395,"sentiment":"neutral","sentiment_score":0.25047147274017334}],"sentiment":"neutral","sentiment_score":0.25047147274017334,"channel":0,"num_words":1,"start":2139.995,"end":2140.395},{"sentences":[{"text":"Yeah.","start":2140.11,"end":2140.61,"sentiment":"positive","sentiment_score":0.4287665784358978}],"sentiment":"positive","sentiment_score":0.4287665784358978,"channel":1,"num_words":1,"start":2140.11,"end":2140.61},{"sentences":[{"text":"Perfect.","start":2140.395,"end":2140.895,"sentiment":"positive","sentiment_score":0.6220541000366211},{"text":"So with the recommendation, we're increasing your contributions in the sofa.","start":2141.2751,"end":2145.2952,"sentiment":"neutral","sentiment_score":0.3008046664974906},{"text":"It reduces your take home pay.","start":2145.7,"end":2147.62,"sentiment":"neutral","sentiment_score":0.18100760877132416},{"text":"So then under this strategy, we're able to then withdraw that $13,000 on a yearly basis or if I work at per fortnight, $516 from your transition pension account to your bank account.","start":2147.62,"end":2161.9648,"sentiment":"neutral","sentiment_score":0.19554216663042703},{"text":"The money you're taking out of super is completely tax free, and you're putting more money into super than you are taking out.","start":2161.9648,"end":2168.7048,"sentiment":"neutral","sentiment_score":0.2180785173955171}],"sentiment":"neutral","sentiment_score":0.22277903355456688,"channel":0,"num_words":74,"start":2140.395,"end":2168.7048},{"sentences":[{"text":"But it brings your take home pay back to the same level.","start":2168.9248,"end":2172.145,"sentiment":"neutral","sentiment_score":0.18421754613518715}],"sentiment":"neutral","sentiment_score":0.18421754613518715,"channel":0,"num_words":12,"start":2168.9248,"end":2172.145},{"sentences":[{"text":"Oh, you've lost me.","start":2175.145,"end":2176.365,"sentiment":"neutral","sentiment_score":-0.08385535143315792}],"sentiment":"neutral","sentiment_score":-0.08385535143315792,"channel":1,"num_words":4,"start":2175.145,"end":2176.365},{"sentences":[{"text":"That's okay.","start":2176.86,"end":2177.68,"sentiment":"neutral","sentiment_score":0.0333372512832284},{"text":"That's okay.","start":2178.46,"end":2179.28,"sentiment":"neutral","sentiment_score":0.14100909978151321},{"text":"So to run through it again for you, we're starting off with 65,115.","start":2179.74,"end":2184.54,"sentiment":"neutral","sentiment_score":0.07360303573883496},{"text":"That's your","start":2184.54,"end":2185.02,"sentiment":"neutral","sentiment_score":0.07884608581662178}],"sentiment":"neutral","sentiment_score":0.07701180728250429,"channel":0,"num_words":19,"start":2176.86,"end":2185.02},{"sentences":[{"text":"Yes.","start":2184.9,"end":2185.4,"sentiment":"neutral","sentiment_score":0.1016436517238617}],"sentiment":"neutral","sentiment_score":0.1016436517238617,"channel":1,"num_words":1,"start":2184.9,"end":2185.4},{"sentences":[{"text":"gross income for the year.","start":2185.02,"end":2186.505,"sentiment":"neutral","sentiment_score":0.10843543708324432},{"text":"We're gonna increase your contributions to super by 20,000.","start":2186.585,"end":2190.285,"sentiment":"neutral","sentiment_score":0.1816175944275326},{"text":"So $65.01 $1.05 minus that 20,200 means your taxable income is reduced to 44,915.","start":2190.6648,"end":2199.2449,"sentiment":"neutral","sentiment_score":0.08159646897443704},{"text":"And then the income tax is deducted to 4,843.","start":2199.75,"end":2204.79,"sentiment":"neutral","sentiment_score":0.07793459710147646},{"text":"That comes off that $44.01 9, which means your net take home pay is 40,072.","start":2204.79,"end":2212.33,"sentiment":"neutral","sentiment_score":0.09808948834737143}],"sentiment":"neutral","sentiment_score":0.10561230384673063,"channel":0,"num_words":52,"start":2185.02,"end":2212.33},{"sentences":[{"text":"But under the current scenario, your take home pay is currently 53,514.","start":2212.765,"end":2218.945,"sentiment":"neutral","sentiment_score":0.03754011417428652},{"text":"So we wanna get that back to that 53,500 mark.","start":2219.2449,"end":2223.505,"sentiment":"neutral","sentiment_score":0.17277718856930732},{"text":"So you can withdraw that 13,000 out of super, 13,000 on top of that $40.00 $7.02 brings you back to your actual take home pay.","start":2223.805,"end":2233.8599,"sentiment":"neutral","sentiment_score":0.29166580468416214}],"sentiment":"neutral","sentiment_score":0.20148719942316096,"channel":0,"num_words":47,"start":2212.765,"end":2233.8599},{"sentences":[{"text":"Right.","start":2234.455,"end":2234.855,"sentiment":"neutral","sentiment_score":0.11915045976638794},{"text":"Okay.","start":2234.855,"end":2235.355,"sentiment":"neutral","sentiment_score":0.1292242705821991}],"sentiment":"neutral","sentiment_score":0.12418736517429352,"channel":1,"num_words":2,"start":2234.455,"end":2235.355},{"sentences":[{"text":"It's okay.","start":2236.4,"end":2237.0598,"sentiment":"neutral","sentiment_score":0.14033447206020355}],"sentiment":"neutral","sentiment_score":0.14033447206020355,"channel":0,"num_words":2,"start":2236.4,"end":2237.0598},{"sentences":[{"text":"But does","start":2236.615,"end":2237.355,"sentiment":"neutral","sentiment_score":-0.027550695464015007}],"sentiment":"neutral","sentiment_score":-0.027550695464015007,"channel":1,"num_words":2,"start":2236.615,"end":2237.355},{"sentences":[{"text":"It is a lot.","start":2237.28,"end":2238.16,"sentiment":"neutral","sentiment_score":-0.14698924124240875},{"text":"Yeah.","start":2238.16,"end":2238.66,"sentiment":"neutral","sentiment_score":0.05207768827676773}],"sentiment":"neutral","sentiment_score":-0.10717585533857346,"channel":0,"num_words":5,"start":2237.28,"end":2238.66},{"sentences":[{"text":"does this does this play around with my pay like, my pay slip and stuff?","start":2238.47,"end":2244.8098,"sentiment":"neutral","sentiment_score":0.004016244163115819},{"text":"Or","start":2245.0298,"end":2245.5298,"sentiment":"neutral","sentiment_score":0.018889956176280975}],"sentiment":"neutral","sentiment_score":0.0049458511639386415,"channel":1,"num_words":16,"start":2238.47,"end":2245.5298},{"sentences":[{"text":"Yeah.","start":2246.495,"end":2246.735,"sentiment":"neutral","sentiment_score":0.05662618950009346},{"text":"So what we'll essentially do is we'll give you a salary sacrifice letter, which tells you how much to put into super.","start":2246.735,"end":2252.835,"sentiment":"neutral","sentiment_score":0.20405482229861346},{"text":"Your employer will organize that along with your contributions.","start":2253.46,"end":2256.44,"sentiment":"neutral","sentiment_score":0.2334402385685179},{"text":"They will put that money into super pretax as part of the salary sacrifice, and then we will organize that withdrawal of that 13,000, which is about $516 on a fortnightly basis.","start":2257.3,"end":2270.1848,"sentiment":"neutral","sentiment_score":0.20030668773688376},{"text":"We'll organize that to come out of your pension account so it hits your bank account.","start":2270.885,"end":2275.2048,"sentiment":"neutral","sentiment_score":0.21646098233759403}],"sentiment":"neutral","sentiment_score":0.20649980190210043,"channel":0,"num_words":80,"start":2246.495,"end":2275.2048},{"sentences":[{"text":"So the income you get from your employer plus the amount you're gonna take out of super will replenish your income.","start":2275.2048,"end":2282.54,"sentiment":"positive","sentiment_score":0.40712304200444904},{"text":"It keeps your take home pay exactly the same.","start":2282.54,"end":2285.28,"sentiment":"positive","sentiment_score":0.4465895460711585},{"text":"It's about a dollar difference from what I've worked out here, but it keeps your take home pay basically exactly the same for the year, and it means that you're putting a lot more money into super to provide a a greater benefit inside super.","start":2285.82,"end":2298.195,"sentiment":"positive","sentiment_score":0.42324498626920914},{"text":"Does that make","start":2298.335,"end":2298.975,"sentiment":"neutral","sentiment_score":0.27128514150778454}],"sentiment":"positive","sentiment_score":0.41575345645348233,"channel":0,"num_words":78,"start":2275.2048,"end":2298.975},{"sentences":[{"text":"Okay.","start":2298.77,"end":2299.1702,"sentiment":"neutral","sentiment_score":0.2305072546005249}],"sentiment":"neutral","sentiment_score":0.2305072546005249,"channel":1,"num_words":1,"start":2298.77,"end":2299.1702},{"sentences":[{"text":"sense?","start":2298.975,"end":2299.475,"sentiment":"neutral","sentiment_score":0.0930008515715599}],"sentiment":"neutral","sentiment_score":0.0930008515715599,"channel":0,"num_words":1,"start":2298.975,"end":2299.475},{"sentences":[{"text":"So when so when does this start?","start":2299.1702,"end":2301.11,"sentiment":"neutral","sentiment_score":-0.006117157105888639}],"sentiment":"neutral","sentiment_score":-0.006117157105888639,"channel":1,"num_words":7,"start":2299.1702,"end":2301.11},{"sentences":[{"text":"So if you decide to take on these recommendations, we will essentially settle this up straight away.","start":2301.615,"end":2307.155,"sentiment":"neutral","sentiment_score":-0.04976948942331707},{"text":"What we will do first is we'll start by doing the investment switch, then we open the pension account.","start":2307.4402,"end":2313.4602,"sentiment":"neutral","sentiment_score":0.09735668078064919},{"text":"We move the money over, and then we give you the letter with the salary sacrifice.","start":2313.84,"end":2318.6602,"sentiment":"neutral","sentiment_score":0.1453381096944213},{"text":"The way I like to work this out is that we'll let you know when the first pension payment is due so you can tell your employer when to start the salary sacrifice.","start":2319.6,"end":2329.065,"sentiment":"neutral","sentiment_score":0.2068377664369164},{"text":"I never want your salary sacrifice to start prior to your pension payment coming down because otherwise, you end up with a bit of a shortfall.","start":2329.5251,"end":2337.4,"sentiment":"neutral","sentiment_score":-0.3150344341993332}],"sentiment":"neutral","sentiment_score":0.01769239975659697,"channel":0,"num_words":111,"start":2301.615,"end":2337.4},{"sentences":[{"text":"So when we know when your first pension payment is due to be drawn down, which replenishes your income, then you can start your salary sacrifice.","start":2338.02,"end":2345.0798,"sentiment":"neutral","sentiment_score":0.05717151210858272},{"text":"Does that make 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that a step","start":2350.02,"end":2350.6602,"sentiment":"neutral","sentiment_score":0.055043479427695274}],"sentiment":"neutral","sentiment_score":0.055043479427695274,"channel":1,"num_words":4,"start":2350.02,"end":2350.6602},{"sentences":[{"text":"yeah.","start":2350.595,"end":2351.095,"sentiment":"neutral","sentiment_score":0.020164739340543747}],"sentiment":"neutral","sentiment_score":0.020164739340543747,"channel":0,"num_words":1,"start":2350.595,"end":2351.095},{"sentences":[{"text":"do you salary sacrifice yourself?","start":2350.98,"end":2353.0,"sentiment":"neutral","sentiment_score":-0.06210533007979393},{"text":"No.","start":2354.1,"end":2354.6,"sentiment":"neutral","sentiment_score":-0.1354355365037918}],"sentiment":"neutral","sentiment_score":-0.07432703115046024,"channel":1,"num_words":6,"start":2350.98,"end":2354.6},{"sentences":[{"text":"Your employer does it.","start":2354.115,"end":2355.395,"sentiment":"neutral","sentiment_score":-0.06694922503083944},{"text":"So you just tell your employer you wanna make x contributions in the super, and they organize that the same as they do with your employer contributions.","start":2355.395,"end":2363.6602,"sentiment":"neutral","sentiment_score":0.06025340973779007},{"text":"It comes out pretax.","start":2363.96,"end":2365.1802,"sentiment":"neutral","sentiment_score":0.024695327505469322}],"sentiment":"neutral","sentiment_score":0.04165218493768147,"channel":0,"num_words":35,"start":2354.115,"end":2365.1802},{"sentences":[{"text":"Yes.","start":2366.675,"end":2367.0752,"sentiment":"neutral","sentiment_score":0.007663780823349953},{"text":"I'm already salary sacrificing.","start":2367.0752,"end":2369.2551,"sentiment":"neutral","sentiment_score":-0.1202454287558794}],"sentiment":"neutral","sentiment_score":-0.09466358684003354,"channel":1,"num_words":5,"start":2366.675,"end":2369.2551},{"sentences":[{"text":"In the super or is it salary packaging?","start":2370.6802,"end":2373.5,"sentiment":"neutral","sentiment_score":-0.08029962657019496}],"sentiment":"neutral","sentiment_score":-0.08029962657019496,"channel":0,"num_words":8,"start":2370.6802,"end":2373.5},{"sentences":[{"text":"Salary packaging.","start":2374.115,"end":2375.0151,"sentiment":"neutral","sentiment_score":-0.05840248987078667}],"sentiment":"neutral","sentiment_score":-0.05840248987078667,"channel":1,"num_words":2,"start":2374.115,"end":2375.0151},{"sentences":[{"text":"Yeah.","start":2375.965,"end":2376.365,"sentiment":"neutral","sentiment_score":-0.025260144844651226},{"text":"So this is a little bit different.","start":2376.365,"end":2377.805,"sentiment":"neutral","sentiment_score":0.019296629620449885},{"text":"So you've got what's called salary sacrificing or salary packaging, which is paying you can use it for rent or use it for paying off a car or a lots of other options.","start":2377.805,"end":2387.665,"sentiment":"neutral","sentiment_score":0.03879076936705546},{"text":"This type of salary sacrifice is where money is taken out of your income pretax and put into super.","start":2388.29,"end":2394.55,"sentiment":"neutral","sentiment_score":0.012060534601148806}],"sentiment":"neutral","sentiment_score":0.026984363483885925,"channel":0,"num_words":60,"start":2375.965,"end":2394.55},{"sentences":[{"text":"Oh, okay.","start":2396.095,"end":2397.315,"sentiment":"neutral","sentiment_score":0.12910698726773262}],"sentiment":"neutral","sentiment_score":0.12910698726773262,"channel":1,"num_words":2,"start":2396.095,"end":2397.315},{"sentences":[{"text":"Yeah.","start":2397.89,"end":2398.39,"sentiment":"neutral","sentiment_score":0.1292048543691635},{"text":"And because and at your marginal tax rate of, say, 30% or, you know, plus the Medicare levy, so 32%, inside super, that extra 20,000 is only ever they only take 15% tax.","start":2399.33,"end":2413.855,"sentiment":"neutral","sentiment_score":0.12001280170498473},{"text":"So you're essentially putting more money into super.","start":2413.855,"end":2416.515,"sentiment":"neutral","sentiment_score":0.2580874878913164},{"text":"It's taxed at a lower rate in super, and that money stays invested for you.","start":2416.6702,"end":2420.83,"sentiment":"neutral","sentiment_score":0.30486551523208616},{"text":"Does that make sense?","start":2420.83,"end":2421.8901,"sentiment":"neutral","sentiment_score":0.1797781102359295}],"sentiment":"neutral","sentiment_score":0.18764626857687217,"channel":0,"num_words":61,"start":2397.89,"end":2421.8901},{"sentences":[{"text":"Yeah.","start":2422.3452,"end":2422.665,"sentiment":"neutral","sentiment_score":0.22522860765457153},{"text":"It 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that benefit inside super.","start":2463.035,"end":2470.335,"sentiment":"positive","sentiment_score":0.39389740249940325},{"text":"But at the same time, by making additional contributions to super, your take home pay is affected.","start":2470.635,"end":2476.01,"sentiment":"neutral","sentiment_score":0.017098760122762006},{"text":"And living expenses are a lot at the moment.","start":2476.31,"end":2478.95,"sentiment":"neutral","sentiment_score":0.01557682247625457}],"sentiment":"neutral","sentiment_score":0.21790472115727438,"channel":0,"num_words":69,"start":2459.515,"end":2478.95},{"sentences":[{"text":"So this sort of strategy allows you to put money in the super, but also to have some taken out so that your take home pay isn't affected, but you're still able to add more money into your super.","start":2478.95,"end":2489.9102,"sentiment":"neutral","sentiment_score":0.30213763813177746},{"text":"Does that 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mean?","start":2702.405,"end":2703.465,"sentiment":"neutral","sentiment_score":0.01550904413064321}],"sentiment":"neutral","sentiment_score":0.042025613872443926,"channel":1,"num_words":17,"start":2698.39,"end":2703.465},{"sentences":[{"text":"Yeah.","start":2703.615,"end":2703.935,"sentiment":"neutral","sentiment_score":0.1621454656124115},{"text":"Absolutely.","start":2703.935,"end":2704.435,"sentiment":"neutral","sentiment_score":0.2618369162082672},{"text":"What we sort of also do is we when we set this up, we always set up the pension first and find out when the first drawdown, when the first pension payment is due to you.","start":2704.975,"end":2717.19,"sentiment":"neutral","sentiment_score":0.17045248900022772},{"text":"That way, you receive the first pension payment before you start your salary sacrifice into super.","start":2717.49,"end":2723.27,"sentiment":"neutral","sentiment_score":0.1703982879407704},{"text":"We do that because if we did it the other way, the salary sacrifice comes out, and then you find you might be left a little bit short because your income's your take home pay isn't being replenished in time.","start":2723.5698,"end":2734.575,"sentiment":"neutral","sentiment_score":-0.00001448310213163495}],"sentiment":"neutral","sentiment_score":0.09878792839144614,"channel":0,"num_words":94,"start":2703.615,"end":2734.575},{"sentences":[{"text":"So I like to start it so we start your pension withdrawal first, and then when we know the first payment, then you can let your employer know to start that salary sacrifice payment for you.","start":2734.575,"end":2745.83,"sentiment":"neutral","sentiment_score":0.28881794959306717},{"text":"Does that make sense?","start":2745.83,"end":2746.8901,"sentiment":"neutral","sentiment_score":0.18856791406869888}],"sentiment":"neutral","sentiment_score":0.2787929460406303,"channel":0,"num_words":40,"start":2734.575,"end":2746.8901},{"sentences":[{"text":"It 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there's only just me.","start":2752.66,"end":2755.005,"sentiment":"neutral","sentiment_score":-0.2973610940906737},{"text":"Yeah.","start":2755.1648,"end":2755.6648,"sentiment":"neutral","sentiment_score":0.003294769674539566}],"sentiment":"neutral","sentiment_score":-0.26729550771415234,"channel":1,"num_words":10,"start":2752.66,"end":2755.6648},{"sentences":[{"text":"Yeah.","start":2755.845,"end":2756.325,"sentiment":"neutral","sentiment_score":0.0011296793818473816},{"text":"No.","start":2756.325,"end":2756.725,"sentiment":"neutral","sentiment_score":-0.009329475462436676},{"text":"Definitely.","start":2756.725,"end":2757.205,"sentiment":"neutral","sentiment_score":0.14559882879257202},{"text":"We'll have a look through it.","start":2757.205,"end":2758.325,"sentiment":"neutral","sentiment_score":0.18850397318601608},{"text":"I mean, the way this works is that, you know, you don't have to pay out as much as what you put in because of the tax side of 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invested, but also being able to draw a little bit out of your sofa.","start":3329.1802,"end":3336.24,"sentiment":"positive","sentiment_score":0.4331583393116792},{"text":"So but as as I sort of said before, this is just the recommendations.","start":3336.3,"end":3340.415,"sentiment":"neutral","sentiment_score":0.0809590108692646},{"text":"It is up to you whether you take the recommendations.","start":3341.115,"end":3343.375,"sentiment":"neutral","sentiment_score":0.16471252739429473},{"text":"You do not have to in any way.","start":3343.595,"end":3345.275,"sentiment":"neutral","sentiment_score":0.015040557831525803}],"sentiment":"neutral","sentiment_score":0.2660872152903014,"channel":0,"num_words":72,"start":3325.74,"end":3345.275},{"sentences":[{"text":"If you decide you don't wanna take that transition strategy just yet, you wanna maybe hold off and, you know, look at something else, we can absolutely do 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your comfort level as well, and I don't ever want you to feel like you have to take on the recommendations.","start":3369.545,"end":3375.885,"sentiment":"neutral","sentiment_score":0.015978907625521382},{"text":"You're allowed to say, I'm not quite comfortable yet.","start":3376.105,"end":3378.505,"sentiment":"neutral","sentiment_score":-0.2241864866680569},{"text":"Let's hold off for a few months and come back and revisit that.","start":3378.505,"end":3380.9849,"sentiment":"neutral","sentiment_score":-0.14314846923718086},{"text":"And that's absolutely fine.","start":3380.9849,"end":3382.445,"sentiment":"neutral","sentiment_score":0.1606011651456356}],"sentiment":"neutral","sentiment_score":-0.04808522251091505,"channel":0,"num_words":57,"start":3369.545,"end":3382.445},{"sentences":[{"text":"Okay.","start":3383.2449,"end":3383.7449,"sentiment":"neutral","sentiment_score":0.12465956807136536},{"text":"That I 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me.","start":3458.295,"end":3460.2349,"sentiment":"positive","sentiment_score":0.3779792748391628}],"sentiment":"positive","sentiment_score":0.3683542639017105,"channel":1,"num_words":10,"start":3455.9902,"end":3460.2349},{"sentences":[{"text":"Yeah.","start":3460.2751,"end":3460.7751,"sentiment":"neutral","sentiment_score":0.1874898076057434},{"text":"Yeah.","start":3461.395,"end":3461.635,"sentiment":"neutral","sentiment_score":0.1928699016571045},{"text":"Yeah.","start":3461.635,"end":3461.7952,"sentiment":"neutral","sentiment_score":0.2065158635377884},{"text":"So it's about making the changes to the investment profile.","start":3461.7952,"end":3465.15,"sentiment":"neutral","sentiment_score":0.30492838770151137},{"text":"It's reducing the risk level that you're taking and also, you know, making putting you in a better performing investments and lowering the risk, trying to sort of make it so you don't feel those ups and downs as drastically and try to get long term","start":3465.15,"end":3478.0498,"sentiment":"neutral","sentiment_score":0.29727832811034244}],"sentiment":"neutral","sentiment_score":0.29340614479477123,"channel":0,"num_words":59,"start":3460.2751,"end":3478.0498},{"sentences":[{"text":"Yes.","start":3479.03,"end":3479.53,"sentiment":"positive","sentiment_score":0.3628685474395752}],"sentiment":"positive","sentiment_score":0.3628685474395752,"channel":1,"num_words":1,"start":3479.03,"end":3479.53},{"sentences":[{"text":"consistent returns as well.","start":3479.055,"end":3480.835,"sentiment":"positive","sentiment_score":0.45426927506923676},{"text":"But, yeah, the pension strategy is also about trying to increase your contributions in the super because markets will work and can only work so far.","start":3481.2148,"end":3489.4548,"sentiment":"positive","sentiment_score":0.42833687135806453},{"text":"Contributions go a long way to assisting that, and this sort of allows you to make contributions without having to affect your 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problem at 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where did you say I write down what I don't want?","start":3516.175,"end":3519.315,"sentiment":"neutral","sentiment_score":-0.07452168610567848}],"sentiment":"neutral","sentiment_score":-0.07452168610567848,"channel":1,"num_words":12,"start":3516.175,"end":3519.315},{"sentences":[{"text":"Just on the the very last page.","start":3520.1,"end":3522.5,"sentiment":"neutral","sentiment_score":-0.017817950009235313},{"text":"So the page number, just so you've got it there, is page number 48, and you should see a text box there.","start":3522.5,"end":3530.04,"sentiment":"neutral","sentiment_score":0.03163552284240723}],"sentiment":"neutral","sentiment_score":0.019698477671321095,"channel":0,"num_words":29,"start":3520.1,"end":3530.04},{"sentences":[{"text":"It's got my signature and it's got the 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the","start":3537.74,"end":3539.82,"sentiment":"neutral","sentiment_score":0.02772862616587769}],"sentiment":"neutral","sentiment_score":0.02772862616587769,"channel":1,"num_words":11,"start":3537.74,"end":3539.82},{"sentences":[{"text":"Yep.","start":3539.715,"end":3540.215,"sentiment":"neutral","sentiment_score":0.032015010714530945}],"sentiment":"neutral","sentiment_score":0.032015010714530945,"channel":0,"num_words":1,"start":3539.715,"end":3540.215},{"sentences":[{"text":"top of that.","start":3539.82,"end":3540.6401,"sentiment":"neutral","sentiment_score":0.02424749049047629}],"sentiment":"neutral","sentiment_score":0.02424749049047629,"channel":1,"num_words":3,"start":3539.82,"end":3540.6401},{"sentences":[{"text":"Yeah.","start":3540.835,"end":3541.155,"sentiment":"neutral","sentiment_score":0.046754032373428345},{"text":"That's the 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you get stuck, just give us a call.","start":3549.64,"end":3551.16,"sentiment":"neutral","sentiment_score":0.12649603850311703},{"text":"We can certainly help you along, but it's not a problem at all.","start":3551.16,"end":3554.04,"sentiment":"neutral","sentiment_score":0.29762512273513353},{"text":"Okay?","start":3554.04,"end":3554.54,"sentiment":"neutral","sentiment_score":0.10070164501667024}],"sentiment":"neutral","sentiment_score":0.22209967770006345,"channel":0,"num_words":23,"start":3549.64,"end":3554.54},{"sentences":[{"text":"Alright.","start":3555.125,"end":3555.625,"sentiment":"neutral","sentiment_score":0.12236464023590088},{"text":"Okay.","start":3556.005,"end":3556.505,"sentiment":"neutral","sentiment_score":0.16211295127868652}],"sentiment":"neutral","sentiment_score":0.1422387957572937,"channel":1,"num_words":2,"start":3555.125,"end":3556.505},{"sentences":[{"text":"All 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then, you know, look at what changes we can make then or what you're comfortable looking at or what's changed in your life.","start":3590.695,"end":3601.575,"sentiment":"positive","sentiment_score":0.48161986664585443},{"text":"Or if you just decide to make, you know, you wanna maybe make some additional contributions, we can do that as well.","start":3601.575,"end":3607.23,"sentiment":"positive","sentiment_score":0.39799400757659564},{"text":"There's lots of different ways to sort of boost your super and lots of different things that we can do there for you.","start":3607.45,"end":3613.63,"sentiment":"positive","sentiment_score":0.5925714023735212},{"text":"Okay?","start":3613.69,"end":3614.19,"sentiment":"neutral","sentiment_score":0.2611544728279114}],"sentiment":"positive","sentiment_score":0.5153285638221259,"channel":0,"num_words":103,"start":3588.375,"end":3614.19},{"sentences":[{"text":"But that one that one you've offered me is doesn't make any difference to anything then, does it?","start":3613.83,"end":3618.6301,"sentiment":"neutral","sentiment_score":0.07510471809655428},{"text":"Like, really?","start":3618.6301,"end":3619.6902,"sentiment":"neutral","sentiment_score":0.046630626544356346}],"sentiment":"neutral","sentiment_score":0.07225730894133449,"channel":1,"num_words":20,"start":3613.83,"end":3619.6902},{"sentences":[{"text":"Well,","start":3620.3452,"end":3620.5852,"sentiment":"neutral","sentiment_score":0.2041441798210144}],"sentiment":"neutral","sentiment_score":0.2041441798210144,"channel":0,"num_words":1,"start":3620.3452,"end":3620.5852},{"sentences":[{"text":"I still","start":3620.3901,"end":3620.79,"sentiment":"neutral","sentiment_score":0.29816922545433044}],"sentiment":"neutral","sentiment_score":0.29816922545433044,"channel":1,"num_words":2,"start":3620.3901,"end":3620.79},{"sentences":[{"text":"it is the best way to go because you're putting more money in the super, but you're also taking some out to replenish your 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payday","start":3660.015,"end":3666.9749,"sentiment":"neutral","sentiment_score":-0.1191825558399332}],"sentiment":"neutral","sentiment_score":-0.1191825558399332,"channel":1,"num_words":29,"start":3660.015,"end":3666.9749},{"sentences":[{"text":"Yeah.","start":3666.535,"end":3667.035,"sentiment":"neutral","sentiment_score":-0.046096473932266235}],"sentiment":"neutral","sentiment_score":-0.046096473932266235,"channel":0,"num_words":1,"start":3666.535,"end":3667.035},{"sentences":[{"text":"every Thursday.","start":3666.9749,"end":3667.795,"sentiment":"neutral","sentiment_score":-0.08002391085028648},{"text":"That's my only little fear.","start":3667.935,"end":3670.015,"sentiment":"neutral","sentiment_score":-0.26236119866371155},{"text":"It's just a tiny fear, 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I'm sorry I've","start":3695.875,"end":3696.9949,"sentiment":"neutral","sentiment_score":-0.0782132688909769}],"sentiment":"neutral","sentiment_score":-0.0782132688909769,"channel":1,"num_words":4,"start":3695.875,"end":3696.9949},{"sentences":[{"text":"Okay.","start":3696.9749,"end":3697.4749,"sentiment":"neutral","sentiment_score":-0.06163700670003891}],"sentiment":"neutral","sentiment_score":-0.06163700670003891,"channel":0,"num_words":1,"start":3696.9749,"end":3697.4749},{"sentences":[{"text":"kept you so long.","start":3696.9949,"end":3698.035,"sentiment":"neutral","sentiment_score":-0.07188556902110577},{"text":"Yeah.","start":3698.035,"end":3698.535,"sentiment":"neutral","sentiment_score":0.04812084510922432}],"sentiment":"neutral","sentiment_score":-0.047884286195039746,"channel":1,"num_words":5,"start":3696.9949,"end":3698.535},{"sentences":[{"text":"No.","start":3698.1748,"end":3698.4949,"sentiment":"neutral","sentiment_score":0.09074484556913376},{"text":"You're absolutely fine.","start":3698.4949,"end":3699.615,"sentiment":"positive","sentiment_score":0.3890881935755412},{"text":"It's not a problem at all.","start":3699.615,"end":3700.7349,"sentiment":"positive","sentiment_score":0.5573793947696686},{"text":"I will also let you know after those recommendations.","start":3700.7349,"end":3703.7148,"sentiment":"positive","sentiment_score":0.3689421746465895},{"text":"We've also made recommendations on your beneficiaries.","start":3703.9348,"end":3707.315,"sentiment":"neutral","sentiment_score":0.25460268344197956}],"sentiment":"positive","sentiment_score":0.3732686211856512,"channel":0,"num_words":26,"start":3698.1748,"end":3707.315},{"sentences":[{"text":"So you wanted your adult children, but we sort of talked about the tax consequences there.","start":3707.615,"end":3712.64,"sentiment":"neutral","sentiment_score":0.10729252058081329},{"text":"So money from super and from your life insurance proceeds that are paid to nontax dependent, it does mean they have to do they do have to pay tax there.","start":3712.64,"end":3721.22,"sentiment":"neutral","sentiment_score":0.1567069006462892},{"text":"So I am making recommendation that you owe to the beneficiary to be your legal personal representative.","start":3722.395,"end":3727.2952,"sentiment":"neutral","sentiment_score":0.2829657232060152},{"text":"That essentially means that in the event of you passing, that the super annual life proceeds are paid to your estate, and then you just need to make sure you have a will drawn up so that it is directed to your kids.","start":3727.5952,"end":3741.22,"sentiment":"neutral","sentiment_score":0.31768238267233206},{"text":"And that way, you can actually it does reduce the amount of tax they do pay.","start":3742.0,"end":3745.6802,"sentiment":"positive","sentiment_score":0.5289901494979858}],"sentiment":"neutral","sentiment_score":0.2733810613939508,"channel":0,"num_words":122,"start":3707.615,"end":3745.6802},{"sentences":[{"text":"So it just saves them a little bit of extra tax, meaning they can get a bit more out of them out of it.","start":3745.6802,"end":3751.455,"sentiment":"positive","sentiment_score":0.5115732997655869},{"text":"And you will you have a lot more say in where that money is directed and how it's directed to them.","start":3751.855,"end":3757.235,"sentiment":"positive","sentiment_score":0.40817550250462126}],"sentiment":"positive","sentiment_score":0.46332099437713625,"channel":0,"num_words":45,"start":3745.6802,"end":3757.235},{"sentences":[{"text":"Okay.","start":3757.5798,"end":3757.8198,"sentiment":"neutral","sentiment_score":0.1382904350757599},{"text":"So I get my wheel done and get that put in the 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I","start":3769.845,"end":3774.4849,"sentiment":"neutral","sentiment_score":0.05272792308376385}],"sentiment":"neutral","sentiment_score":0.05272792308376385,"channel":1,"num_words":13,"start":3769.845,"end":3774.4849},{"sentences":[{"text":"Yep.","start":3774.43,"end":3774.93,"sentiment":"neutral","sentiment_score":0.04431045055389404}],"sentiment":"neutral","sentiment_score":0.04431045055389404,"channel":0,"num_words":1,"start":3774.43,"end":3774.93},{"sentences":[{"text":"put it on API, the person that's in charge of my will or something or what?","start":3774.4849,"end":3779.065,"sentiment":"neutral","sentiment_score":0.03167825611308217},{"text":"No.","start":3779.525,"end":3779.845,"sentiment":"neutral","sentiment_score":-0.09053948521614076},{"text":"How do you who who do I believe it to?","start":3779.845,"end":3781.68,"sentiment":"neutral","sentiment_score":-0.08916505537927151}],"sentiment":"neutral","sentiment_score":-0.017605108933316335,"channel":1,"num_words":27,"start":3774.4849,"end":3781.68},{"sentences":[{"text":"So you wanted your life insurance proceeds and your super left to your adult children?","start":3783.245,"end":3788.0652,"sentiment":"neutral","sentiment_score":-0.0018166872362295786}],"sentiment":"neutral","sentiment_score":-0.0018166872362295786,"channel":0,"num_words":15,"start":3783.245,"end":3788.0652},{"sentences":[{"text":"Yep.","start":3788.48,"end":3788.98,"sentiment":"neutral","sentiment_score":0.05495692417025566}],"sentiment":"neutral","sentiment_score":0.05495692417025566,"channel":1,"num_words":1,"start":3788.48,"end":3788.98},{"sentences":[{"text":"Yep.","start":3789.74,"end":3789.98,"sentiment":"neutral","sentiment_score":0.06707391887903214},{"text":"So, essentially, what we would do is we'll update the beneficiary 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the disadvantages, a bit more detail around how those strategies work.","start":3977.02,"end":3982.635,"sentiment":"neutral","sentiment_score":0.09702885864923398},{"text":"Have a read through them.","start":3982.635,"end":3983.675,"sentiment":"neutral","sentiment_score":0.10496864467859268}],"sentiment":"neutral","sentiment_score":0.1434079666902858,"channel":0,"num_words":63,"start":3967.26,"end":3983.675},{"sentences":[{"text":"Let me know if you do have additional questions, and we can always come back and have another conversation prior to you taking on any of the advice.","start":3983.675,"end":3991.135,"sentiment":"neutral","sentiment_score":0.06934662416045155},{"text":"Okay?","start":3991.275,"end":3991.775,"sentiment":"neutral","sentiment_score":0.05272138863801956}],"sentiment":"neutral","sentiment_score":0.06877334017691941,"channel":0,"num_words":29,"start":3983.675,"end":3991.775},{"sentences":[{"text":"Alright.","start":3992.275,"end":3992.775,"sentiment":"neutral","sentiment_score":0.05669616162776947},{"text":"Okay.","start":3993.075,"end":3993.575,"sentiment":"neutral","sentiment_score":0.03252909705042839}],"sentiment":"neutral","sentiment_score":0.04461262933909893,"channel":1,"num_words":2,"start":3992.275,"end":3993.575},{"sentences":[{"text":"Oh,","start":3993.59,"end":3993.9102,"sentiment":"neutral","sentiment_score":-0.006838330999016762}],"sentiment":"neutral","sentiment_score":-0.006838330999016762,"channel":0,"num_words":1,"start":3993.59,"end":3993.9102},{"sentences":[{"text":"No","start":3993.795,"end":3994.035,"sentiment":"neutral","sentiment_score":-0.15317577123641968}],"sentiment":"neutral","sentiment_score":-0.15317577123641968,"channel":1,"num_words":1,"start":3993.795,"end":3994.035},{"sentences":[{"text":"good.","start":3993.9102,"end":3994.4102,"sentiment":"neutral","sentiment_score":-0.2041090428829193}],"sentiment":"neutral","sentiment_score":-0.2041090428829193,"channel":0,"num_words":1,"start":3993.9102,"end":3994.4102},{"sentences":[{"text":"worries.","start":3994.035,"end":3994.535,"sentiment":"neutral","sentiment_score":-0.09960763156414032},{"text":"Okay.","start":3994.9949,"end":3995.395,"sentiment":"neutral","sentiment_score":0.045360177755355835}],"sentiment":"neutral","sentiment_score":-0.027123726904392242,"channel":1,"num_words":2,"start":3994.035,"end":3995.395},{"sentences":[{"text":"That's","start":3995.11,"end":3995.43,"sentiment":"neutral","sentiment_score":0.13500075042247772}],"sentiment":"neutral","sentiment_score":0.13500075042247772,"channel":0,"num_words":1,"start":3995.11,"end":3995.43},{"sentences":[{"text":"Thank","start":3995.395,"end":3995.715,"sentiment":"neutral","sentiment_score":0.3049924075603485}],"sentiment":"neutral","sentiment_score":0.3049924075603485,"channel":1,"num_words":1,"start":3995.395,"end":3995.715},{"sentences":[{"text":"okay.","start":3995.43,"end":3995.93,"sentiment":"neutral","sentiment_score":0.3274034261703491}],"sentiment":"neutral","sentiment_score":0.3274034261703491,"channel":0,"num_words":1,"start":3995.43,"end":3995.93},{"sentences":[{"text":"you so much for","start":3995.715,"end":3996.835,"sentiment":"positive","sentiment_score":0.45870670676231384}],"sentiment":"positive","sentiment_score":0.45870670676231384,"channel":1,"num_words":4,"start":3995.715,"end":3996.835},{"sentences":[{"text":"No","start":3996.71,"end":3997.03,"sentiment":"neutral","sentiment_score":0.25649499893188477}],"sentiment":"neutral","sentiment_score":0.25649499893188477,"channel":0,"num_words":1,"start":3996.71,"end":3997.03},{"sentences":[{"text":"your","start":3996.835,"end":3997.075,"sentiment":"neutral","sentiment_score":0.1308692842721939}],"sentiment":"neutral","sentiment_score":0.1308692842721939,"channel":1,"num_words":1,"start":3996.835,"end":3997.075},{"sentences":[{"text":"worries.","start":3997.03,"end":3997.53,"sentiment":"neutral","sentiment_score":0.13211049139499664}],"sentiment":"neutral","sentiment_score":0.13211049139499664,"channel":0,"num_words":1,"start":3997.03,"end":3997.53},{"sentences":[{"text":"valuable time.","start":3997.075,"end":3998.215,"sentiment":"neutral","sentiment_score":0.22380273044109344}],"sentiment":"neutral","sentiment_score":0.22380273044109344,"channel":1,"num_words":2,"start":3997.075,"end":3998.215},{"sentences":[{"text":"Oh, that's","start":3998.31,"end":3999.03,"sentiment":"positive","sentiment_score":0.3362983614206314}],"sentiment":"positive","sentiment_score":0.3362983614206314,"channel":0,"num_words":2,"start":3998.31,"end":3999.03},{"sentences":[{"text":"Thank you.","start":3998.675,"end":3999.415,"sentiment":"positive","sentiment_score":0.5035382509231567}],"sentiment":"positive","sentiment_score":0.5035382509231567,"channel":1,"num_words":2,"start":3998.675,"end":3999.415},{"sentences":[{"text":"okay, Sharon.","start":3999.03,"end":3999.9102,"sentiment":"positive","sentiment_score":0.40845780074596405},{"text":"I'm here for you.","start":3999.9102,"end":4000.55,"sentiment":"positive","sentiment_score":0.4845951497554779},{"text":"It's not a problem at all.","start":4000.55,"end":4002.25,"sentiment":"positive","sentiment_score":0.5012368758519491}],"sentiment":"positive","sentiment_score":0.48022645463546115,"channel":0,"num_words":12,"start":3999.03,"end":4002.25},{"sentences":[{"text":"Okay.","start":4002.43,"end":4002.83,"sentiment":"positive","sentiment_score":0.4834936261177063},{"text":"Thank you.","start":4002.83,"end":4003.31,"sentiment":"positive","sentiment_score":0.672323077917099},{"text":"You have a nice night.","start":4003.31,"end":4004.45,"sentiment":"positive","sentiment_score":0.660953938961029}],"sentiment":"positive","sentiment_score":0.6416136845946312,"channel":1,"num_words":8,"start":4002.43,"end":4004.45},{"sentences":[{"text":"You too.","start":4004.935,"end":4005.415,"sentiment":"positive","sentiment_score":0.4061792641878128},{"text":"Thanks, Sharon.","start":4005.415,"end":4006.055,"sentiment":"positive","sentiment_score":0.5285829901695251},{"text":"Talk to you soon.","start":4006.055,"end":4006.775,"sentiment":"positive","sentiment_score":0.41080307960510254},{"text":"See you later.","start":4006.775,"end":4007.595,"sentiment":"neutral","sentiment_score":0.29434553782145184}],"sentiment":"positive","sentiment_score":0.399615767327222,"channel":0,"num_words":11,"start":4004.935,"end":4007.595},{"sentences":[{"text":"Okay.","start":4007.1501,"end":4007.6501,"sentiment":"neutral","sentiment_score":0.18717563152313232},{"text":"Bye.","start":4007.87,"end":4008.37,"sentiment":"neutral","sentiment_score":0.176095649600029}],"sentiment":"neutral","sentiment_score":0.18163564056158066,"channel":1,"num_words":2,"start":4007.1501,"end":4008.37},{"sentences":[{"text":"Bye.","start":4008.855,"end":4009.355,"sentiment":"neutral","sentiment_score":0.011792236007750034}],"sentiment":"neutral","sentiment_score":0.011792236007750034,"channel":0,"num_words":1,"start":4008.855,"end":4009.355}]},"summary":{"result":"success","short":"Oakey Financial representatives discuss retirement income needs and recommendations for super funds, emphasizing the benefits of reducing risk and maintaining a balanced portfolio for better returns. They stress the importance of personalized advice and contributions to boost income and retirement savings, and emphasize the need for proper legal personal records. They offer to send an email with more information and suggest updating beneficiaries and reading through the process of sending out an email with information on a local solicitor."},"intents":{"segments":[{"text":"I had you booked in to go through your updated advice document. Is now still a good time there for you? Yeah. That's fine.","start_word":27,"end_word":50,"intents":[{"intent":"Get advice document","confidence_score":0.0026866046}]},{"text":"Sharon, can you happen to have access to your email, sir, at the moment as well?","start_word":80,"end_word":95,"intents":[{"intent":"Confirm email access","confidence_score":0.01242949}]},{"text":"I can talk you through the advice document. If you're not sure if you remember back when we sort of spoke late last year, we did your annual review. We talked about looking at different super, but also reducing the risk level. So Yes.","start_word":110,"end_word":153,"intents":[{"intent":"Discuss super supers","confidence_score":0.035772085}]},{"text":"Have you sent it through?","start_word":223,"end_word":227,"intents":[{"intent":"Send document","confidence_score":0.2207877}]},{"text":"And I'll just do a quick security check there with you as well just to get you to confirm your full name, your address, and date of birth I should have. Sharon Joy Carey.","start_word":302,"end_word":335,"intents":[{"intent":"Confirm identity","confidence_score":0.13495839},{"intent":"Discuss security check","confidence_score":0.05972578},{"intent":"Confirm identity","confidence_score":0.30456063}]},{"text":"When you open the email, I have got the document attached, but it's also attached as an attachment. So you can open either one. It's completely up to you, whatever is easier To view the document that is in the the actual email itself, you should just be able to click on the button that says sign, and it should just take you through so you can move up and down through that document. But let me know if you have trouble doing so. No.","start_word":363,"end_word":447,"intents":[{"intent":"Guide document viewing","confidence_score":0.046022568}]},{"text":"So it's just about making sure that we have taken the premiums into account as we're making recommendations around your super and income needs. Okay? Right.","start_word":1009,"end_word":1034,"intents":[{"intent":"Evaluate portfolio recommendations","confidence_score":0.031226978}]},{"text":"So this is essentially showing you the the first changes that we do wanna make to the portfolio.","start_word":1141,"end_word":1158,"intents":[{"intent":"Extend portfolio review","confidence_score":8.061319e-7}]},{"text":"I did sorta have a look around, and the tax consequences to selling down all your investments, it wasn't worthwhile moving. You weren't gonna make that money back quick enough.","start_word":1447,"end_word":1476,"intents":[{"intent":"Recommend selling down investments","confidence_score":0.00010305424}]},{"text":"So I have made the recommendation to retain the super fund you're in, but just to make Yes.","start_word":1476,"end_word":1493,"intents":[{"intent":"Recommend maintaining super fund","confidence_score":0.005698932}]},{"text":"At the moment, you have about 35.46%. It's a great investment for diversification, low cost. However, we only wanna hold about 10%. So you're a bit overexposed there at the moment, so we are gonna reduce that exposure down to 10%. And that means we'd be selling about 35,000 of that investment there. Okay? Right.","start_word":1617,"end_word":1671,"intents":[{"intent":"Explain limiting investment exposure","confidence_score":0.000043731514}]},{"text":"However, we have found other areas that might perform a bit better or have performed better in the past. So selling that one down and redistributing the funds elsewhere. Yep.","start_word":1760,"end_word":1789,"intents":[{"intent":"Recount potential investments","confidence_score":0.000020218402}]},{"text":"And then the iShares Europe. So this is giving you exposure to all the European companies, and it's quite important to have diversification, not just in different asset classes like gold and fixed interest and cybersecurity in The US and Australia, but also looking globally, so all over the world for investment opportunities as well.","start_word":1853,"end_word":1907,"intents":[{"intent":"Describe investment options","confidence_score":0.00030585923}]},{"text":"However, because you are taking more risk, when the market takes a bit of a dip, you can see that downside magnified as well. So you the downside often feels a lot heavier to you. Realistically, Yes.","start_word":2406,"end_word":2442,"intents":[{"intent":"Understanding market implications","confidence_score":6.3084127e-7}]},{"text":"So we're wanting to look at reducing that risk level for you, and, essentially, the risk profile that you scored in that balance profile normally only sees about 60% in those growth high risk investments and then sees about 40% in those defensive lower risk investments.","start_word":2604,"end_word":2649,"intents":[{"intent":"Educate on risk levels","confidence_score":0.00014637095}]},{"text":"So this is also about reducing your risk level, and that's why we're making the changes that we've got above there.","start_word":2930,"end_word":2950,"intents":[{"intent":"Reduce risk level","confidence_score":0.77343786}]},{"text":"So this is also about reducing your risk level, and that's why we're making the changes that we've got above there. So it's about making sure that we're reducing some of those growth assets, making sure you've got more of these defensive assets, things like cash, fixed interest, or defensive, you know, alternatives out there.","start_word":2930,"end_word":2984,"intents":[{"intent":"Make recommendations to reduce risk","confidence_score":0.000018404024}]},{"text":"So what we'd be looking to do is make those changes that you see above, which brings your growth investments down to about 65%, and then we increase those defensive investments to 35. So closing that gap a little bit. Does that make sense?","start_word":3174,"end_word":3217,"intents":[{"intent":"Consolidate investments","confidence_score":0.00071111665}]},{"text":"I can actually show you the projection table if you like. If you scroll down to page 21 for me, I've actually got an outline and a projection. Yeah.","start_word":3283,"end_word":3311,"intents":[{"intent":"Explaining projection table details","confidence_score":0.000060661936}]},{"text":"So you'll see the fee comparison table at the top has your balance. Essentially, you've got $1.45 $2.04 0 now.","start_word":3318,"end_word":3337,"intents":[{"intent":"Comparing costs and portfolios","confidence_score":0.00024966602}]},{"text":"And this the return at the bottom there is showing an average five year rolling average over the past sort of five years and how this how this portfolio that you're currently in has essentially looked to perform.","start_word":3406,"end_word":3443,"intents":[{"intent":"Defining portfolio performance","confidence_score":0.000082359846},{"intent":"Improving portfolio performance","confidence_score":0.0007652236}]},{"text":"Now the one thing I do like to sort of talk about is taking utilizing projection tables with a grain of a salt because we know this portfolio that you're currently in, you're taking on a bit more risk at the moment. You do wanna access super in the next sort of shorter term. So being in this kind of growth portfolio does see a higher level of risk in the market.","start_word":3522,"end_word":3593,"intents":[{"intent":"Suggesting future investments","confidence_score":0.0003171519}]},{"text":"However, projections I like to point out should be taken with a grain of salt because, you know, in one year, you could get a 10% return, another year, you get a 20% return, but then we could also see a negative, you know, one or five or 10% return in that five year rolling period as well. Does that make Yes.","start_word":3665,"end_word":3726,"intents":[{"intent":"Understand projections","confidence_score":0.0017673192}]},{"text":"sense? Right. Yeah. Yeah.","start_word":3727,"end_word":3730,"intents":[{"intent":"Confirm understanding","confidence_score":0.00065358065}]},{"text":"What I'm recommending is on the next side. So with the recommendations retaining Netwealth, you'll see your balance is different slightly, and that's because of the $729.","start_word":3756,"end_word":3782,"intents":[{"intent":"Recommend balance","confidence_score":0.12353685},{"intent":"Recommend changes","confidence_score":0.025462028}]},{"text":"The difference being at the bottom there is that we are also looking to reduce your risk level, so moving you into more of a balanced portfolio. And this balanced portfolio has been, over the past five years, a rolling return of about 9.73%. So whilst it is a bit lower than the growth portfolio, it is it's expected that when you're reducing your risk level, that the returns are going to be affected.","start_word":3898,"end_word":3971,"intents":[{"intent":"Recommend reduction in risk level","confidence_score":0.00043135407}]},{"text":"But you can see here with the balanced portfolio, over the next sort of two to four years, if you were able to get that 9% return every year, you can sort of see your balance grow over that $1.64 to $187,000 mark. And beyond that, it could continue to grow as well. So I Right.","start_word":3973,"end_word":4028,"intents":[{"intent":"Understand portfolio benefits","confidence_score":0.011672116}]},{"text":"However, even with a balance of 2 or $300,000 in super retirement, we can t team that up with some age pension, and you can still get longevity out of your super, and that's part of the advice that I'm able to provide down the track for you. Does that answer your question?","start_word":4482,"end_word":4534,"intents":[{"intent":"Evaluate super retirement benefits","confidence_score":0.10625348}]},{"text":"So did you say I that my super is 100 and Mhmm. 145.","start_word":4736,"end_word":4748,"intents":[{"intent":"Confirm super-sized assets and assets","confidence_score":7.5362556e-7}]},{"text":"So, realistically, you should be eligible for a full age pension.","start_word":4894,"end_word":4904,"intents":[{"intent":"Emphasize eligibility for full age pension","confidence_score":0.0011449676}]},{"text":"So there are other expenses to be considered in there as well, but it's it's honestly a personal decision. Yes.","start_word":5022,"end_word":5041,"intents":[{"intent":"Discuss potential future expenditures","confidence_score":3.0833593e-7}]},{"text":"So one of one of the good things is we would move you fully into essentially the pension. Because at the moment, you're in the accumulation side of things. You're accumulating that wealth towards your goal of being able to start working and retire. So when you actually do retire at 65 or 67, whenever it's comfortable for you, we'll move you into pension phase.","start_word":5234,"end_word":5298,"intents":[{"intent":"Plan retirement plan","confidence_score":0.033035133}]},{"text":"So you do wanna be making some income to help draw down those payments, but also having some growth in there as well to kind of help build and keep your super working as long as possible.","start_word":5457,"end_word":5493,"intents":[{"intent":"Maintain super working","confidence_score":0.014923324}]},{"text":"Increase your contributions in the super and also take a little bit of money out?","start_word":5753,"end_word":5767,"intents":[{"intent":"Increase contributions and save money","confidence_score":0.00021747855}]},{"text":"Now the way we're sort of looking to do this and the way this sort of strategy works is that we're able to move a certain portion of your funds into the account based pension side.","start_word":5878,"end_word":5913,"intents":[{"intent":"Clarify the process of moving funds","confidence_score":0.000005365312}]},{"text":"Now the way we're sort of looking to do this and the way this sort of strategy works is that we're able to move a certain portion of your funds into the account based pension side. It's called a TTR pension, a transit retirement pension account.","start_word":5878,"end_word":5923,"intents":[{"intent":"Explain strategy and contents of accounts","confidence_score":6.041323e-8}]},{"text":"And when we sort of spoke last time, you sent me a copy of your two payslips. So I was able to have a look at your payslips to work out what your average earning capacity is and so Yep. we can look at how best to keep your take home pay as much the same as possible. Okay? Yes.","start_word":6061,"end_word":6120,"intents":[{"intent":"Explain calculations for earnings","confidence_score":0.00010013565}]},{"text":"we can look at how best to keep your take home pay as much the same as possible. Okay?","start_word":6101,"end_word":6119,"intents":[{"intent":"Plan the process of keeping the average earnings","confidence_score":5.1432914e-7}]},{"text":"So we've worked out your income here. So what essentially happens is and you'll see the current position and proposed position. The proposed is what we're gonna do to make the changes.","start_word":6300,"end_word":6331,"intents":[{"intent":"Make changes on income","confidence_score":0.000020492054}]},{"text":"So under the strategy, you'll see on the bottom there, the pension withdrawal. It's the second column from the bottom of that same table.","start_word":6546,"end_word":6569,"intents":[{"intent":"Assist with strategy","confidence_score":0.0024133888}]},{"text":"So what we'll essentially do is we'll give you a salary sacrifice letter, which tells you how much to put into super.","start_word":6850,"end_word":6871,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.0014531795}]},{"text":"So you've got what's called salary sacrificing or salary packaging, which is paying you can use it for rent or use it for paying off a car or a lots of other options. This type of salary sacrifice is where money is taken out of your income pretax and put into super. Oh, okay.","start_word":7235,"end_word":7288,"intents":[{"intent":"Demonstrate salary sacrifice strategy","confidence_score":0.007583692}]},{"text":"The salary packaging is where you're moving money pretax from your income into other areas. It could be going on to a debit card for usage elsewhere. It could be going into your rent.","start_word":7597,"end_word":7630,"intents":[{"intent":"Explain salary packaging","confidence_score":0.124280535},{"intent":"Describe salary packages","confidence_score":0.0012652659},{"intent":"Discuss income arrangements","confidence_score":0.00016250806}]},{"text":"The salary packaging is where you're moving money pretax from your income into other areas. It could be going on to a debit card for usage elsewhere. It could be going into your rent. I'm not sure where your salary packaging to. Yeah. Yeah. That It is goes on my rent. Yeah. Yeah. yeah. My own So list. you're just you're just doing your rent pretax to cover your rental expenses. Yeah.","start_word":7597,"end_word":7668,"intents":[{"intent":"Clarify salary expenses","confidence_score":0.0029055667}]},{"text":"And the salary what you're doing, Yep. is that is that the It's same? very very similar. So the money goes out of your income pretax and into your super fund and gets invested along with your employer contributions. And so when it does that, like, when it's salary sacrifice out of it, it I mean, because when I salary sacrifice now, like, it goes back in. Mhmm.","start_word":7669,"end_word":7736,"intents":[{"intent":"Clarify salary savings","confidence_score":0.017298376}]},{"text":"The money would be put from your from your from your income pretax into super and at certain points. So we can set up each week or each fortnight on a certain day. It can coincide with your income with your income from your employer, and we tell your super fund when to make those income payments. And those income payments go into your bank account, but we can make those work in line with your with your pay week.","start_word":7868,"end_word":7947,"intents":[{"intent":"Confirm payment method","confidence_score":0.004758243}]},{"text":"So we can set up each week or each fortnight on a certain day. It can coincide with your income with your income from your employer, and we tell your super fund when to make those income payments. And those income payments go into your bank account, but we can make those work in line with your with your pay week.","start_word":7887,"end_word":7947,"intents":[{"intent":"Clarify payment plans","confidence_score":0.00007738113}]},{"text":"We're setting up two separate transactions. One from your employer to your super fund, the other one from your super fund to your bank account. The one from your super fund to your bank account, we can organize to happen on a certain day that suits you.","start_word":8048,"end_word":8094,"intents":[{"intent":"Schedule transactions","confidence_score":0.11053814}]},{"text":"So you withdraw oh, you've lost it. Withdraw the Yep. salary hang on. Withdraw the salary sacrifice, Yep. and then it goes back and that money goes into my super, Mhmm. and then you put it back in my account. Is that right? Yeah.","start_word":8721,"end_word":8764,"intents":[{"intent":"Understand super withdrawal process","confidence_score":0.0015605578}]},{"text":"So, you know, ask any questions you have. Take some time to read it over, and do come back if you do have additional questions there. Okay? Okay then.","start_word":9111,"end_word":9139,"intents":[{"intent":"Ask questions","confidence_score":0.22166689}]},{"text":"Did you can you post your hard copies of these? Yeah. We absolutely can.","start_word":9140,"end_word":9153,"intents":[{"intent":"Request paper copy","confidence_score":0.0002671391}]},{"text":"Did you want one posted to you? Could you oh, I'm probably being a pain if you could. No. Yeah. Absolutely. So Not a problem. potentially, if you were to do this, would that boost my super from those figures that you gave me or not? Yeah. I would.","start_word":9154,"end_word":9202,"intents":[{"intent":"Confirm usage","confidence_score":0.000050860235}]},{"text":"So Not a problem. potentially, if you were to do this, would that boost my super from those figures that you gave me or not? Yeah.","start_word":9175,"end_word":9200,"intents":[{"intent":"Boost super","confidence_score":0.0023853467}]},{"text":"potentially, if you were to do this, would that boost my super from those figures that you gave me or not? Yeah.","start_word":9179,"end_word":9200,"intents":[{"intent":"Provide financial information","confidence_score":0.0037755677}]},{"text":"I've got a projection table here for you. Down to page number 34.","start_word":9228,"end_word":9240,"intents":[{"intent":"Provide projection table","confidence_score":0.78018856}]},{"text":"And with this strategy, we refresh it every year. So we come back and review what you're earning, what your pay, what your income looks like, how your super's been working.","start_word":9717,"end_word":9747,"intents":[{"intent":"Refresh strategy","confidence_score":0.037749726}]},{"text":"So we come back and review what you're earning, what your pay, what your income looks like, how your super's been working.","start_word":9726,"end_word":9747,"intents":[{"intent":"Assess income","confidence_score":0.002745694}]},{"text":"If it doesn't work, we can close it off and roll everything back and go back to looking at other strategies, or we can always do a refresh where we roll everything back to accumulation, start again in the pension, rework your draw downs and what you can put into super, and keep kind of refreshing the strategy so it's working for you each year. Right. Okay.","start_word":9749,"end_word":9815,"intents":[{"intent":"Refresh strategy","confidence_score":0.5409942}]},{"text":"We'll do an interview in a few months' time to see how things are going so far. And then, yeah, absolutely. We'll, you know, touch base when you hit that twelve month mark, look at what's changed in your life and how everything's going, and then we can look to refresh the strategy for you. Yeah.","start_word":9841,"end_word":9896,"intents":[{"intent":"Do interview","confidence_score":0.4455391}]},{"text":"Unfortunately, you've gotta be 60 to be able to access these social strategies.","start_word":9959,"end_word":9971,"intents":[{"intent":"Access social strategies","confidence_score":0.4027949}]},{"text":"That way, you're providing a greater benefit, having more money invested, but also being able to draw a little bit out of your sofa.","start_word":9988,"end_word":10011,"intents":[{"intent":"Provide benefit","confidence_score":0.47958314}]},{"text":"If you decide you don't wanna take that transition strategy just yet, you wanna maybe hold off and, you know, look at something else, we can absolutely do that. You can look at just making contributions if you want to, just doing the investment switch and seeing how things go. Essentially, the advice document is outlining the recommendations to show you where we can sort of hopefully put you in a better position down the track. Yes.","start_word":10044,"end_word":10120,"intents":[{"intent":"Determine decision","confidence_score":0.000986067}]},{"text":"You can look at just making contributions if you want to, just doing the investment switch and seeing how things go.","start_word":10073,"end_word":10093,"intents":[{"intent":"Make contributions","confidence_score":0.3570214}]},{"text":"But at the end of the day, it's just within your comfort level as well, and I don't ever want you to feel like you have to take on the recommendations. You're allowed to say, I'm not quite comfortable yet. Let's hold off for a few months and come back and revisit that. And that's absolutely fine. Okay.","start_word":10122,"end_word":10179,"intents":[{"intent":"Recommend strategy","confidence_score":0.0036225307}]},{"text":"like, really, really consider that pension thing. Yeah.","start_word":10191,"end_word":10198,"intents":[{"intent":"Consider pension","confidence_score":0.045822702}]},{"text":"In there, if there's any sort of a strategy you don't wanna take on board or you wanna hold off on, we just get you to write a little blurb.","start_word":10270,"end_word":10299,"intents":[{"intent":"Discuss future strategies","confidence_score":0.000026517388}]},{"text":"In there, if there's any sort of a strategy you don't wanna take on board or you wanna hold off on, we just get you to write a little blurb. So in if they're in, say, you don't want the the TTR strategy, just say, hold off on the pension strategy or I just want the investment switch.","start_word":10270,"end_word":10327,"intents":[{"intent":"Offer tr strategy","confidence_score":0.000013832223},{"intent":"Encourage strategy change","confidence_score":0.0041750027},{"intent":"Promote investment strategy","confidence_score":0.04676999}]},{"text":"So it's about making the changes to the investment profile. It's reducing the risk level that you're taking and also, you know, making putting you in a better performing investments and lowering the risk, trying to sort of make it so you don't feel those ups and downs as drastically and try to get long term Yes.","start_word":10406,"end_word":10462,"intents":[{"intent":"Reduce risk","confidence_score":0.38967225},{"intent":"Reduce risk","confidence_score":0.08733533},{"intent":"Promote investment profile","confidence_score":0.0024084195},{"intent":"Confirm investments","confidence_score":0.000061428866}]},{"text":"So it's about making the changes to the investment profile. It's reducing the risk level that you're taking and also, you know, making putting you in a better performing investments and lowering the risk, trying to sort of make it so you don't feel those ups and downs as drastically and try to get long term Yes. consistent returns as well.","start_word":10406,"end_word":10466,"intents":[{"intent":"Promote long-term financial coverage","confidence_score":1.8914616e-8}]},{"text":"consistent returns as well.","start_word":10463,"end_word":10466,"intents":[{"intent":"Ensure consistency","confidence_score":0.0031149334},{"intent":"Improve returns","confidence_score":0.05248645}]},{"text":"Contributions go a long way to assisting that, and this sort of allows you to make contributions without having to affect your take home pay.","start_word":10494,"end_word":10518,"intents":[{"intent":"Make contributions","confidence_score":0.2572514}]},{"text":"You can tell me to call back in a month or two or three, and we revisit that. I can do this again in a few months time for you.","start_word":10553,"end_word":10582,"intents":[{"intent":"Revisit planning","confidence_score":0.0004976057}]},{"text":"So you'll just write a little blurb in there just saying, you know, something that you do or don't want. Oh, I see.","start_word":10673,"end_word":10695,"intents":[{"intent":"Write blurb","confidence_score":0.12220613}]},{"text":"if you get stuck, just give us a call. We can certainly help you along, but it's not a problem at all. Okay? Alright.","start_word":10701,"end_word":10724,"intents":[{"intent":"Offer help","confidence_score":0.0078088148}]},{"text":"Well, I still it is the best way to go because you're putting more money in the super, but you're also taking some out to replenish your income yes. If you decide to not do the the pension account side of things and just make additional contributions, that's absolutely fine, but it does reduce your take home pay.","start_word":10978,"end_word":11035,"intents":[{"intent":"Reconsider pension plan","confidence_score":0.000024543137}]},{"text":"It's in your bank account, and then we can set that salary sacrifice option up and have that money moved into super for Right.","start_word":11213,"end_word":11236,"intents":[{"intent":"Set salary sacrifice option","confidence_score":0.22253062}]},{"text":"We've also made recommendations on your beneficiaries.","start_word":11271,"end_word":11277,"intents":[{"intent":"Make recommendations on beneficiary","confidence_score":0.007019376}]},{"text":"So, essentially, what we would do is we'll update the beneficiary nomination. So they say LPR on your super and your life insurance. Yes.","start_word":11530,"end_word":11553,"intents":[{"intent":"Update beneficiary nomination","confidence_score":0.10834384}]},{"text":"We can provide you with some details on a local solicitor, or you can get a free will kit done up. You just go to the post office and buy a will kit.","start_word":11606,"end_word":11638,"intents":[{"intent":"Confirm will kit details","confidence_score":0.00408091},{"intent":"Explain will kit","confidence_score":0.0035544173}]},{"text":"So, essentially, in the event you were to pass away, your super and your life insurance money is sent to your estate. All your other assets are sold off or accumulated. Everything is pulled together, and then it's directed out to your kids as per the direction in your will. Does that make sense? Right.","start_word":11705,"end_word":11759,"intents":[{"intent":"Suggest estate estate administration","confidence_score":0.000093540955}]},{"text":"So so what did you say l p new? Legal personal representative.","start_word":11761,"end_word":11772,"intents":[{"intent":"Explain will requirements","confidence_score":0.00068108464}]},{"text":"It stands for it's LPR, stands for legal personal representative.","start_word":11773,"end_word":11782,"intents":[{"intent":"Explain law's legal representative","confidence_score":0.0000012177435}]},{"text":"I've got I've got someone that's looking after my affairs. Is you is that what you Yep. mean? Yeah.","start_word":11795,"end_word":11813,"intents":[{"intent":"Suggest estate administration","confidence_score":0.0042708344}]},{"text":"And having your beneficiary structured this way, because with the way your kids are, they're adults at the moment, and they're basically, if they were to receive the proceeds direct from your super and your life insurance proceeds, they do pay tax on that. Essentially, the tax is up to 17%. Yes.","start_word":11903,"end_word":11954,"intents":[{"intent":"Specify beneficiary arrangement","confidence_score":0.0008786895},{"intent":"Explain tax rates","confidence_score":0.06983337}]},{"text":"We can send out if you like, I can organize it'll probably be tomorrow if it's okay, But I can send out a I can send out an email to you, which has some information on a local solicitor that we can refer you through to, but it costing just for you to have a look at, and then feel free to have a look at some Yep.","start_word":12033,"end_word":12100,"intents":[{"intent":"Organize meeting","confidence_score":0.0071288226},{"intent":"Provide information","confidence_score":0.6102353}]},{"text":"It's got the advantages, the disadvantages, a bit more detail around how those strategies work. Have a read through them. Let me know if you do have additional questions, and we can always come back and have another conversation prior to you taking on any of the advice. Okay? Alright.","start_word":12202,"end_word":12251,"intents":[{"intent":"Provide advice","confidence_score":0.028231585}]}]},"sentiments":{"segments":[{"text":"Hello. Sharon speaking. Hi, Sharon. It's Dana from Oakey Financial. How are you today?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.19334597885608673},{"text":"I'm very well. Thank you. How are you? I'm very well. Thank you.","start_word":14,"end_word":26,"sentiment":"positive","sentiment_score":0.5351172089576721},{"text":"I had you booked in to go through your updated advice document. Is now still a good time there for you? Yeah. That's fine.","start_word":27,"end_word":50,"sentiment":"neutral","sentiment_score":0.23835885524749756},{"text":"That's fine. Fan fantastic.","start_word":51,"end_word":54,"sentiment":"positive","sentiment_score":0.4705202281475067},{"text":"How's your day been so far? Yeah. Very busy. Very busy. I work in aged care, so, yeah, very busy. A lot going on. Understandable. Sharon, can you happen to have access to your email, sir, at the moment as well? I haven't. No. No. Oh, hang That's on. okay. If not, that's absolutely okay. I can talk you through the advice document. If you're not sure if you remember back when we sort of spoke late last year, we did your annual review. We talked about looking at different super, but also reducing the risk level. So Yes. I've actually got a bit of a larger document to kinda go through with you. I just thought, normally, it's easier if we're able to look at the documents together. But if you're not, I'm fine to run through things and then allow you to have a bit of a look at it later. It's up to you. Just bear with me. I might That's be able okay. to. Have you sent it through? I haven't. I'm just about to send it now. So I'll just press send on this one for you. Just while it is coming through, Sharon, I just need to let you know before we do go through the advice that we do record our calls for quality and training purposes. Are you comfortable with me doing that proceeding with that? Yeah. Sure. Yep. Yep.","start_word":55,"end_word":292,"sentiment":"neutral","sentiment_score":0.023807495832443237},{"text":"Fantastic.","start_word":293,"end_word":293,"sentiment":"positive","sentiment_score":0.38151875138282776},{"text":"And I'll just you're right.","start_word":294,"end_word":298,"sentiment":"neutral","sentiment_score":0.2197907418012619},{"text":"Oh, fantastic. Excellent.","start_word":299,"end_word":301,"sentiment":"positive","sentiment_score":0.3776041269302368},{"text":"And I'll just do a quick security check there with you as well just to get you to confirm your full name, your address, and date of birth I should have. Sharon Joy Carey. Yep. Second of the third nineteen Beautiful.","start_word":302,"end_word":342,"sentiment":"neutral","sentiment_score":0.1969565451145172},{"text":"Thank you 60 so much for that. three. Beautiful.","start_word":343,"end_word":351,"sentiment":"positive","sentiment_score":0.751105010509491},{"text":"Okay. Now you said the email's popped through to you there. When you open the email, I have got the document attached, but it's also attached as an attachment. So you can open either one. It's completely up to you, whatever is easier To view the document that is in the the actual email itself, you should just be able to click on the button that says sign, and it should just take you through so you can move up and down through that document. But let me know if you have trouble doing so. No. It's up. It's up.","start_word":352,"end_word":451,"sentiment":"neutral","sentiment_score":0.05838195979595184},{"text":"It's good.","start_word":452,"end_word":453,"sentiment":"positive","sentiment_score":0.48157572746276855},{"text":"That's working okay? Yeah.","start_word":454,"end_word":457,"sentiment":"neutral","sentiment_score":0.30051732063293457},{"text":"It's all up. It's all good.","start_word":458,"end_word":463,"sentiment":"positive","sentiment_score":0.44073915481567383},{"text":"Yep.","start_word":464,"end_word":464,"sentiment":"neutral","sentiment_score":0.23528754711151123},{"text":"Oh, fantastic. Fantastic.","start_word":465,"end_word":467,"sentiment":"positive","sentiment_score":0.5892027616500854},{"text":"So on the front page there, you'll see a statement of advice has been prepared for yourself. As of the 05/18/2026, sir, has been prepared by myself and my lovely team here at Oakview Financial. What I'll do is I'll just hit the points and go through the pages that we need to sort of go through, and then I'll let you go back and have a bit of a read through the document. There is quite a bit there. It does outline all the recommendations, the advantages, disadvantages, the risks involved, and any alternatives that we've considered. And then before taking on the advice, you're welcome to come back and let me know if you do happen to have any questions at all. Okay? Yes. Yes.","start_word":468,"end_word":594,"sentiment":"neutral","sentiment_score":0.13971278071403503},{"text":"Fantastic.","start_word":595,"end_word":595,"sentiment":"positive","sentiment_score":0.41088417172431946},{"text":"Now the areas that this advice document has been limited to are areas of superannuation and estate planning to making sure that your beneficiaries are set up in line with what you're comfortable with. You have mentioned that you wanted your adult children nominated to the super fund and your life insurances, but you wanted us to look at doing that in the most tax effective way for you. Okay? Yes. Yes. Yes. And then we've also looked at superannuation. So you're hoping to be out of access super at around the age 67, hoping to draw income of about $1,100 per week. So we're looking at other strategies there now that you're over the age of 60, looking at other strategies that can provide a boost to your sofa. But with the volatility that we are seeing and because you are closer to accessing sofa, also looking at making sure the portfolio is in line with a lower risk profile as well. Okay? Mhmm.","start_word":596,"end_word":760,"sentiment":"neutral","sentiment_score":0.1397648945902333},{"text":"Excellent.","start_word":761,"end_word":761,"sentiment":"positive","sentiment_score":0.5670019388198853},{"text":"Yep. Areas that we've scoped out, this is a bit further down in the document there on page number five. So we've scoped in limited just to a limited extent the areas around the retirement income needs. So what I've done is, as per the advice, gone back and done some research there for you, looked at ways and different strategies that we can put in place, but then looked at how the long term effects look like given these strategy that strategy that we wanna implement and how that might look for you when we project forward over your income side of things. So it's giving you a bit of an idea of where we're tracking for and what that looks like, and then we'll just keep updating the advice and making changes as we need to as we track towards those goals. Okay? Right. Okay. Now where was where did you say that was? Retime That was on page number five and six. Yeah. number five. Yeah. So it should have the heading scope of advice, limited scope. Yep. And then Yep. down on page number six, I've just noted there that we're not making any changes to your life insurance. You were happy with the life insurance you had. It was Yep. more just about retaining that for the time being until you don't wish to keep it anymore. It's scoped into a limited extent just because it is paid out of your super. So it's just about making sure that we have taken the premiums into account as we're making recommendations around your super and income needs. Okay? Right. Okay. Yep. All good. Yep. Now what I'll do is I'll take you through a lot of the advice document. If I can get you to scroll down for me, just the page number so sorry. Page number eighteen and nineteen, I'll take you through the initial recommendations with so far. Hang on. Eight. That's 18. okay. 18. Yeah. The Eight heading oh, there should probably. say recommended investments. Yeah. Page oh, I'm 26. 25. You're alright. I've got it up on my phone. So That's okay. You're absolutely fine. I'll go as slow as you need. but 21201918. Okay. I've got that up.","start_word":762,"end_word":1138,"sentiment":"neutral","sentiment_score":0.09323330723559509},{"text":"Yes. Excellent. So this is essentially showing you the the first changes that we do wanna make to the portfolio.","start_word":1139,"end_word":1158,"sentiment":"positive","sentiment_score":0.45678192377090454},{"text":"So as per the research, I went back and I had a look at all the super funds out there, including where Netwealth, where you are at the moment, as well as any other super funds that might be applicable or cheaper for you. I did look at the cost that they might be, but also looked at the tax consequences for making any changes to your super. So I have made a recommendation that we retain your Netwealth super account for the time being. There's no need Yep. to make any changes to it at the moment. It is Okay.","start_word":1159,"end_word":1259,"sentiment":"neutral","sentiment_score":0.16027872264385223},{"text":"a great super fund, but So it's it's also actually about making working it's working to yeah.","start_word":1260,"end_word":1276,"sentiment":"positive","sentiment_score":0.3510896861553192},{"text":"last potential contracting. Is that what you're saying? Yeah. The super fund itself isn't bad at all. Essentially, the super fund, just think of it like a vehicle. You'll you you put your money into the super fund and into the cash account, but what really gets you the returns is the underlying investments is where your money's invested. And the super fund itself is just an investment vehicle to hold those the funds and to have them invested. So Netwealth is not a bad fund in any way, shape, or form. The admin fees can be a bit higher than other funds out there. However, one of the things I did look at was if we move you to another fund, we have to sell down all of your investments, and your super fund, just like you, does a tax return every year. So we need to consider when we are selling and moving to different super funds what the tax consequences might look like for that. Yes.","start_word":1277,"end_word":1445,"sentiment":"neutral","sentiment_score":0.06012537702918053},{"text":"I did sorta have a look around, and the tax consequences to selling down all your investments, it wasn't worthwhile moving. You weren't gonna make that money back quick enough.","start_word":1446,"end_word":1475,"sentiment":"negative","sentiment_score":-0.4444065392017365},{"text":"So I have made the recommendation to retain the super fund you're in, but just to make Yes. some changes to your underlying investments there. So on this page here, you'll see in page number 18, you've got a couple of on the buy, sell line, the red and the green for the area there. It's basically showing you what we're gonna be buying and selling. So inside your super fund at the moment, you do have some physical gold, which is the top one there. You're about 9.21%. So at the moment, we wanna have about 10% in there. So we're gonna buy a bit more physical gold for you. You've at the moment sorry. At the moment, also got the beta shares a 200. So this is giving you exposure to the top 200 companies on the ASX there. At the moment, you have about 35.46%.","start_word":1476,"end_word":1623,"sentiment":"neutral","sentiment_score":0.06368005275726318},{"text":"It's a great investment for diversification, low cost.","start_word":1624,"end_word":1631,"sentiment":"positive","sentiment_score":0.5020505785942078},{"text":"However, we only wanna hold about 10%. So you're a bit overexposed there at the moment, so we are gonna reduce that exposure down to 10%. And that means we'd be selling about 35,000 of that investment there. Okay? Right. You've Right. also got some Vanguard fixed interest. Again, you've got a lot there. We're gonna sell that completely down and put the funds into something else, so that's why that one is completely red. So where was Okay. that? Where was that? That's the third investment down. Just going down that line there. One, two. The Vanguard Van Gogh. fixed interest. Oh, Yeah. yes. I can I can see that? Yep. Yes. That's okay. That so, look, it's not a bad investment.","start_word":1632,"end_word":1754,"sentiment":"neutral","sentiment_score":0.017402764409780502},{"text":"There's nothing wrong with it.","start_word":1755,"end_word":1759,"sentiment":"positive","sentiment_score":0.38187843561172485},{"text":"However, we have found other areas that might perform a bit better or have performed better in the past. So selling that one down and redistributing the funds elsewhere. Yep. We've also got some beta shares cybersecurity. You'll see that one there is just being purchased a bit more. You have about 55.02% waiting at the moment, but when we kinda reweight the portfolio, we do need to just buy a little bit more of that to make sure you're weighted correctly. So for that Mhmm. $75 being purchased into that investment there. And then the iShares Europe. So this is giving you exposure to all the European companies, and it's quite important to have diversification, not just in different asset classes like gold and fixed interest and cybersecurity in The US and Australia, but also looking globally, so all over the world for investment opportunities as well. And this investment gives you exposure into all of the European companies, into the already established companies, but also areas where there is additional growth there. So it does help in reducing your risk level by diversifying. Does that make sense? Yeah. I think so. Yeah. It does. Yeah.","start_word":1760,"end_word":1956,"sentiment":"neutral","sentiment_score":0.17856466270945398},{"text":"That's okay.","start_word":1957,"end_word":1958,"sentiment":"positive","sentiment_score":0.3368993103504181},{"text":"If it doesn't, please tell me.","start_word":1959,"end_word":1964,"sentiment":"neutral","sentiment_score":0.11303301900625227},{"text":"I'm happy to break it down more for you.","start_word":1965,"end_word":1973,"sentiment":"positive","sentiment_score":0.5537936687469482},{"text":"I know this can be a lot to go through. Yeah. Oh, it is a lot for me, believe me, for my brain.","start_word":1974,"end_word":1996,"sentiment":"neutral","sentiment_score":0.2227163165807724},{"text":"Yeah. You're doing really well.","start_word":1997,"end_word":2001,"sentiment":"positive","sentiment_score":0.5053536295890808},{"text":"So look. It does say you we are gonna buy a little bit more into the Europe investment there. We are gonna sell off the old European and old Japanese investment. They haven't been performing as well. And then we're keeping your exposure into the S and P 500 there, and we're just gonna bring that down from 26% to 20%. Underneath that, you'll see the last couple of all green, so buying a bit so buying a bit more into the beta shares Raffi 200 again. This is giving you some more exposure to the Australian share market there. We've also got some global infrastructure. Just looking at other ways to diversify and have infrastructure in your portfolio. Core composite bonds. So bonds are sort of thinking about, like, term deposits where you put your money into a bond, and you do get income and coupon payments paid back.","start_word":2002,"end_word":2151,"sentiment":"neutral","sentiment_score":0.1950080543756485},{"text":"So it is really good for defensive or low risk investments.","start_word":2152,"end_word":2162,"sentiment":"positive","sentiment_score":0.5020616054534912},{"text":"And Yes. then we've also got the last two there, which we're buying as well, and that's essentially looking at high interest cash accounts, and the yield plus, again, is just looking at high income earning defensive low risk investments for you. So this is just essentially the changes that we're gonna make to the portfolio, buying and selling different investments that may have underperformed or may not be good to have in the portfolio moving forward, but also reducing your risk level. Okay? Mhmm. Yep. To make When it you a little say bit ease risk when you say risk level of losing out, you yeah. mean? Is that what you mean? Yeah. So, essentially, with your portfolio at the moment, you're in that growth portfolio. If you can move down the page for me to page number 20, I can explain that a little more detail so you can see it as well. But at the moment, you're in a growth portfolio. So it essentially sees about 80% of your super in growth assets. So you think about things like Australian equities, international equities, the shares, our property, and then also commodities like gold and silver. And those investments are where you're taking on a bit more risk in the market.","start_word":2163,"end_word":2375,"sentiment":"neutral","sentiment_score":0.1540927942230108},{"text":"So by taking on more risk in the market and having more of those investments, you can see good up turns or great performance when the market's performing really well.","start_word":2376,"end_word":2405,"sentiment":"positive","sentiment_score":0.4111230969429016},{"text":"However, because you are taking more risk, when the market takes a bit of a dip, you can see that downside magnified as well.","start_word":2406,"end_word":2429,"sentiment":"neutral","sentiment_score":-0.2612152099609375},{"text":"So you the downside often feels a lot heavier to you.","start_word":2430,"end_word":2440,"sentiment":"negative","sentiment_score":-0.3806957006454468},{"text":"Realistically, Yes. Right. when we're younger, when we have, you know, twenty or thirty or forty years before accessing super, we're comfortable to take on a lot more risk in the market.","start_word":2441,"end_word":2472,"sentiment":"neutral","sentiment_score":0.23722201585769653},{"text":"We want those good returns, but we also know we can.","start_word":2473,"end_word":2483,"sentiment":"positive","sentiment_score":0.4799046218395233},{"text":"We're not gonna access super or take money out when there is a downtime. So if you think back to COVID, the GSC, and the markets took a really big dip in those times, and it's fine to take on more risk so long as you're not you there's no no chance that you're gonna wanna take money out or retire when we see those down times there. So that's the sort of portfolio that you're in at the moment. When we did your risk profile in your annual review, your score is more of a balanced investor. And, realistically, you were wanting to access super at either 65 or 67, so you are a lot closer to accessing super. So we're wanting to look at reducing that risk level for you, and, essentially, the risk profile that you scored in that balance profile normally only sees about 60% in those growth high risk investments and then sees about 40% in those defensive lower risk investments. So it's kind of evening things out a little bit. You Mhmm. still want some of those growth assets like shares and property, and gold and silver because you still wanna get some returns, but you don't wanna take on a huge amount of risk. You don't wanna be seeing a really big downside when the market is down because of what could be happening overseas with another war or, you know, COVID or Yes. what happened in the DFC. So it's about sort of looking at what you're comfortable with and making sure that you're invested in the correct risk profile. One of the good things we look at or one of the one of the ways we think about this is looking at time horizon, and that's why we ask a lot about when you're wanting to access super or when you're wanting to retire. Because as I said before, if you have got, you know, twenty or thirty or forty years before you're accessing super, you can take more risk. You're not gonna access the super in the short term when there is that Yes. downside occurring. However, when you are only about, you know, four to five or even six years out, you are getting closer to accessing super. So you kind Yes. of don't wanna see really big down times and see really large dips in your portfolio just when you're wanting to take money up because it means you have to sort of you have to, you know, cement those losses and take money you may have to take money out in the downtime. Does that make sense? Yeah. It comes. Yep. Yep. Yeah. So this is also about reducing your risk level, and that's why we're making the changes that we've got above there. So it's about making sure that we're reducing some of those growth assets, making sure you've got more of these defensive assets, things like cash, fixed interest, or defensive, you know, alternatives out there. Mostly, it's sort of looking at cash and fixed interest investments because they are seeing as better they do, tend to get a good rate of return, and it's about making sure that you're also getting income. So we wanna make sure your portfolio generates income. Those dividend payments and income are paid into your cash account, and we can reinvest that into your portfolio for you as well for compounding. Does that make Yeah. sense? Right. Yeah. Yeah. Yeah. So at the moment, if you look at that table, the risk profile that you scored in with that balanced area, you would normally see about 60% growth investments and 40% defensive. With the way you are at the moment in that growth portfolio, you've got 87.99% in growth investment. So you've got quite a lot more invested than where you would be normally be comfortable, and then only 12.01% in those investments defensive investments at the bottom there. So you can see Yes. there's quite a big discrepancy between where your risk profile fits and where you're currently invested in your super. Okay? Yeah. Right. Okay. Yeah. Yep. So what we'd be looking to do is make those changes that you see above, which brings your growth investments down to about 65%, and then we increase those defensive investments to 35. So closing that gap a little bit. Does that make sense? Yeah. It does. Yeah. Yeah. Yeah. Yeah.","start_word":2484,"end_word":3224,"sentiment":"neutral","sentiment_score":0.06926767955384595},{"text":"Perfect.","start_word":3225,"end_word":3225,"sentiment":"positive","sentiment_score":0.5664514303207397},{"text":"Do you have any questions at the moment at all? Yeah. Not that I can really so how much like, when I like, at 65 or 67, whatever age it's gonna be, how much would I Mhmm. will I end you can't well, you tell me how much will I end up having in my super. Yeah. I can actually show you the projection table if you like. If you scroll down to page 21 for me, I've actually got an outline and a projection. Yeah. I've got it here. Yeah. Yeah. So you'll see the fee comparison table at the top has your balance. Essentially, you've got $1.45 $2.04 0 now. You currently got your administration fees, investment fees that you pay at the moment, our ongoing service fee for looking after and monitoring everything, contributions based on the income that you've got, and then your insurance premiums there as well.","start_word":3226,"end_word":3377,"sentiment":"neutral","sentiment_score":0.057430708486782875},{"text":"You'll sort of remember from the table above, you've got the 80% growth, 20% defensive, and that puts you in line with that growth asset allocation there.","start_word":3378,"end_word":3404,"sentiment":"positive","sentiment_score":0.3554115891456604},{"text":"Mhmm. And this the return at the bottom there is showing an average five year rolling average over the past sort of five years and how this how this portfolio that you're currently in has essentially looked to perform. Doesn't mean that you're gonna get that every year, but if you stayed exactly where you are in the same risk profile with no changes to your portfolio and you were able to get that 11.24%, over the next two to four years, you could see your super balance end up around this $1.75 to 210 mark. Okay? Well, it's my time. Yes. That's where it could be, so long as it was able to get that 11.24%. Now the one thing I do like to sort of talk about is taking utilizing projection tables with a grain of a salt because we know this portfolio that you're currently in, you're taking on a bit more risk at the moment. You do wanna access super in the next sort of shorter term. So being in this kind of growth portfolio does see a higher level of risk in the market. You have more growth investments currently, and there is obviously the risk of having a bit of a downtime there as well over the next few years, which could mean that you may not get to that balance at the very top there. So it's sort of important to make sure that, you know, you're aware that this is obviously where we're projecting things forward based on the information we have. However, projections I like to point out should be taken with a grain of salt because, you know, in one year, you could get a 10% return, another year, you get a 20% return, but then we could also see a negative, you know, one or five or 10% return in that five year rolling period as well. Does that make Yes. sense? Right. Yeah. Yeah. Yeah. Yeah. Yeah. But all things considered, if you stay where you were made, no changes to your portfolio. That's where you could end up. What I'm recommending is on the next side. So with the recommendations retaining Netwealth, you'll see your balance is different slightly, and that's because of the $729. Now as I kinda mentioned before, whenever we make changes to your investments, there are tax consequences for your super fund. So your super fund does pay capital gains tax whenever we're buying and selling or making alterations to your portfolio. So that $7.29 is basically the the capital gains tax that your super fund would need to pay or account for after we complete the switch to those investments. Does that make sense? Mhmm. It does. Yeah. Yep.","start_word":3405,"end_word":3861,"sentiment":"neutral","sentiment_score":-0.016009524252665122},{"text":"Beautiful.","start_word":3862,"end_word":3862,"sentiment":"positive","sentiment_score":0.3891502618789673},{"text":"So your balance there would be $1.44 $5.01 1. Underneath that, you have all your administration fees, investment Yes. fees, the ongoing service fee, your contribution again, Yep. and no change to your insurance premium. The difference being at the bottom there is that we are also looking to reduce your risk level, so moving you into more of a balanced portfolio. And this balanced portfolio has been, over the past five years, a rolling return of about 9.73%. So whilst it is a bit lower than the growth portfolio, it is it's expected that when you're reducing your risk level, that the returns are going to be affected.","start_word":3863,"end_word":3971,"sentiment":"neutral","sentiment_score":0.04537040367722511},{"text":"But you can see here with the balanced portfolio, over the next sort of two to four years, if you were able to get that 9% return every year, you can sort of see your balance grow over that $1.64 to $187,000 mark. And beyond that, it could continue to grow as well. So I Right.","start_word":3972,"end_word":4027,"sentiment":"positive","sentiment_score":0.6062278747558594},{"text":"am honest, and I'll let you know, obviously, reducing your risk level does reduce the returns as well, the expected returns to the portfolio.","start_word":4028,"end_word":4051,"sentiment":"neutral","sentiment_score":0.28597119450569153},{"text":"A balanced portfolio can see greater returns than what you're currently getting at the moment or what is, you know, what it is showing here at that 9.73%.","start_word":4052,"end_word":4079,"sentiment":"positive","sentiment_score":0.5468187928199768},{"text":"But it's also about making sure that you're in a risk level that's comfortable for you.","start_word":4080,"end_word":4095,"sentiment":"neutral","sentiment_score":0.32392922043800354},{"text":"And as we as I mentioned, as we get closer to retiring, having less of those ups and downs, having more of those defensive assets can sort of protect us against some of those really big drops that we can see over the next few years as well.","start_word":4096,"end_word":4143,"sentiment":"positive","sentiment_score":0.361421138048172},{"text":"Does that make sense? Right. Yeah. It does. Yeah. Yeah. Did you wanna ask any additional questions here? I know this can be a little bit to go through, but did you wanna did you want me to clarify anything more for you? I don't think so. What I was No. going to ask, so Sure. if I get paid a super, do I, like I want to get do I get paid a pension as well because I have a debt for this is all my assets? Or what happens how does it go? Yeah. Absolutely. So when you are you sort of talking about the age pension at age 67? Or Yeah. Yeah. When I'm due for that. So how yeah. does it Yeah. all is that a stupid question? Is it is No. it It's absolutely not. It's a fantastic question, actually. So, Sharon, when you are closer to age pension age, and what I wanna do with you is kinda kinda keep monitoring things and make sure that we're working as hard as we can towards your goals and boosting super where we can. But, essentially, when you're about thirteen weeks out from turning 67, you can apply for the age pension there. What they do is they have a look at all of your assets and your, so all of your assets, so any bank accounts you have, your cars, your contents, basically everything as well as your super. So long as all of your assets and income are under certain thresholds, you can still have super and also draw some age pension. And part of what I do is look at advice on how you can structure things so you can draw some out of super but also some age pension because we know your balance is a little bit lower.","start_word":4144,"end_word":4450,"sentiment":"neutral","sentiment_score":0.09603856860717656},{"text":"You are closer to accessing super.","start_word":4451,"end_word":4456,"sentiment":"positive","sentiment_score":0.35618945956230164},{"text":"So, you know, realistically wise, I'm not gonna expect that you're gonna have, you know, 6 to $900,000 in there. I'm I'm realistic about it.","start_word":4457,"end_word":4481,"sentiment":"neutral","sentiment_score":0.05829080939292908},{"text":"However, even with a balance of 2 or $300,000 in super retirement, we can t team that up with some age pension, and you can still get longevity out of your super, and that's part of the advice that I'm able to provide down the track for you.","start_word":4482,"end_word":4529,"sentiment":"positive","sentiment_score":0.5559541583061218},{"text":"Does that answer your question? Yeah. Kind yeah. Sort of. Yeah. Yeah. So I That's okay. I wouldn't get I'd only get part what would I get? Part pension and part soup. Is that how it works or what? Yeah. Well, at the moment, depending on your assets, sir, at the moment, given the assets that I have here, I'm just double checking because with your super balance and just seeing what else I've got noted here. All in all, super's $1.45, and we've got other assets totaling about 153. Realistically, you are, at the moment, eligible to get the full age pension, Yes. and then we can also draw a little bit out of so far. But we can assess that down the track much further. But at the moment, based on the assets so that I can see your current super balance and the assets that we have noted, you'd be eligible to get the full age pension, which would give you at the moment, the single rate is about $1,200 per fortnight, and Yep. then we could draw just a small amount out of sleep with a supplement the difference to make sure you have enough in the way of living expenses. Yep. So did you say I that my super is 100 and Mhmm. 145. Then Yep. what did you what else did you say my other Yeah. So when we did the annual review last year, we had other assets noted down. So we have a Toyota Corolla. Asset value then was about 13,800. You had about 40,000 in savings in the bank and then Yes. also had an investment account with another 6,500, and then you had contents estimated at about 93,000 in value. Oh, so your conscience insurance in your house. Yes. So it's not with your the insurance. And, realistically, your contents is valued on your insurance at 93,000. But when we talk about Centrelink and Age Pension, we normally look at fire sale values. So we'd knock your contents down much lower than what it is. But even at your current with your current assets that I can see here, you're under the lower threshold. So, realistically, you should be eligible for a full age pension. I'm just double, triple checking these thresholds at the moment for you because I was looking at those earlier. Now you can I double check, Sharon, you're renting out? You you don't own a home? You're not a homeowner? Unfortunately, no. I'm not in that. I don't know whether No.","start_word":4530,"end_word":4954,"sentiment":"neutral","sentiment_score":0.071508549451828},{"text":"it's good or good or bad trying to home these days.","start_word":4955,"end_word":4965,"sentiment":"negative","sentiment_score":-0.35498279333114624},{"text":"I don't know. Honestly, But yeah. I know. it's an it's an individual decision. I mean, it it does mean that you don't have to pay rent. However, there are other expenses like your Mhmm. home and contents insurance and, you know, your regular taxes and things like that to cover Oh, it. yeah. Right? Yes. So there are other expenses to be considered in there as well, but it's it's honestly a personal decision. Yes. At the moment, for a single person as a non homeowner to be able to access full age pension, total assets need to be less than 759,500. I come way under that, don't I?","start_word":4966,"end_word":5075,"sentiment":"neutral","sentiment_score":-0.0007835928699932992},{"text":"Absolutely. Yes.","start_word":5076,"end_word":5077,"sentiment":"positive","sentiment_score":0.6067309975624084},{"text":"So given your current circumstances, even with the changes and the projected outcome, it does look like you're under that threshold.","start_word":5078,"end_word":5098,"sentiment":"neutral","sentiment_score":0.3125986158847809},{"text":"So we might be able to down the track book of getting full age pension and then work out the shortfall of what you need income wise and be drawing a smaller amount out of super just to supplement that and try Yep. to make sure we get as much longevity out of your super as possible.","start_word":5099,"end_word":5155,"sentiment":"positive","sentiment_score":0.4650808870792389},{"text":"And and like Okay? that like, when you're drawing that little bit out all the time, it's Yep.","start_word":5156,"end_word":5173,"sentiment":"neutral","sentiment_score":0.3001596927642822},{"text":"it's it's it still makes the super that's in there work, doesn't it? It's still working. Absolutely. Yeah. Definitely. So Like, you keep the because super you're invested.","start_word":5174,"end_word":5201,"sentiment":"positive","sentiment_score":0.42246147990226746},{"text":"drawing Yeah. because Yep.","start_word":5202,"end_word":5205,"sentiment":"neutral","sentiment_score":0.2595587372779846},{"text":"you're drawing on it, you're still not gonna get as big returns, but you could still get you still get returns on it.","start_word":5206,"end_word":5228,"sentiment":"positive","sentiment_score":0.4017116129398346},{"text":"Yes. Don't you?","start_word":5229,"end_word":5231,"sentiment":"neutral","sentiment_score":0.17274178564548492},{"text":"Absolutely. Absolutely. So one of one of the good things is we would move you fully into essentially the pension. Because at the moment, you're in the accumulation side of things. You're accumulating that wealth towards your goal of being able to start working and retire. So when you actually do retire at 65 or 67, whenever it's comfortable for you, we'll move you into pension phase.","start_word":5232,"end_word":5298,"sentiment":"positive","sentiment_score":0.47443464398384094},{"text":"At the moment within so far, your your income and your capital gains is all taxed at 1510% of your, you know, your assets are held for over twelve months. You get a bit of a discount on CDT. However, in pension phase, there's no income tax, and there's no CGT consequences.","start_word":5299,"end_word":5350,"sentiment":"neutral","sentiment_score":0.27884745597839355},{"text":"There's no taxation whatsoever. So So that's any kinda income working that you're in my favor. it absolutely does. Yeah.","start_word":5351,"end_word":5370,"sentiment":"positive","sentiment_score":0.5752429962158203},{"text":"So your fund doesn't pay income taxes. There's no CGT consequences.","start_word":5371,"end_word":5381,"sentiment":"neutral","sentiment_score":0.2604788839817047},{"text":"You'll be able to draw some income completely tax free for yourself as well. And so that pension phase is essentially a tax free sheltered area for you.","start_word":5382,"end_word":5409,"sentiment":"positive","sentiment_score":0.5504264235496521},{"text":"We would be drawing just a small amount of money out that you need on a regular basis, maybe weekly or fortnightly, however much you need and whatever time frame you need to supplement the age pension. And then the money that's left in there remains invested.","start_word":5410,"end_word":5456,"sentiment":"neutral","sentiment_score":0.24114154279232025},{"text":"So you do wanna be making some income to help draw down those payments, but also having some growth in there as well to kind of help build and keep your super working as long as possible.","start_word":5457,"end_word":5493,"sentiment":"positive","sentiment_score":0.5155415534973145},{"text":"So that's that's all what I sorta do when you get closest to that age. Yeah. Right. Okay. Yeah. Oh, you know It's you pretty know cool. what? I'm sorry. Yeah. I don't know. Wish I had a known about twenty years ago when I was Oh, set up there. it's I was okay. like, oh, I just I wish I had a known. I would have been so much better off set up, but I just can't Oh, help I certain do understand. Yeah. I can't help No. circumstances. But I don't know. Kind of, you know, I've trying to work this. Yeah. You know? I've Absolutely. done my best, but I Yeah. I would have liked to have been in a different position and owned a home. But, obviously, my Of things course. will work out that way. But I know I'm doing my best, and I know.","start_word":5494,"end_word":5643,"sentiment":"neutral","sentiment_score":-0.04690881818532944},{"text":"I'm just so pleased.","start_word":5644,"end_word":5647,"sentiment":"positive","sentiment_score":0.4143499433994293},{"text":"Yeah. Yeah. Yeah.","start_word":5648,"end_word":5650,"sentiment":"neutral","sentiment_score":0.20283648371696472},{"text":"That's so happy.","start_word":5651,"end_word":5653,"sentiment":"positive","sentiment_score":0.3408451974391937},{"text":"No. That's that's understandable. And, look, you've still got a bit of time on your side now, so we're doing what we can now to sort of get things working and keep you on track. You've done really well thus far, but we're just gonna keep track of you a little bit longer there and look at what else we can do. The other thing I wanted to be talked about was looking at other strategies. Because you are over the age of 60 now, do you remember us talking about that transfer time strategy where you can sorry. Increase your contributions in the super and also take a little bit of money out? Do you remember talking to me Yes. about that last Yep. time? Yeah. Yep. So I've also incorporated that for you. If you can go down to page 25 for me, I'll take you through how this works. Twenty twenty six twenty five Twenty. And I've lost 25 amongst it. Have That's I?","start_word":5654,"end_word":5820,"sentiment":"neutral","sentiment_score":0.15058042278546774},{"text":"No.","start_word":5821,"end_word":5821,"sentiment":"negative","sentiment_score":-0.35368457436561584},{"text":"okay. I haven't. You're No. Here fine. we go. Oh, I've got it. I've found it. Yeah. Have I found it or not? Here we are. It I've should got be a blue box. It should say, Sharon, command to transition to retirement strategy. it. Yeah. That's it. That's it. I've got it. Yeah.","start_word":5822,"end_word":5875,"sentiment":"neutral","sentiment_score":0.04723041132092476},{"text":"Yep. Perfect.","start_word":5876,"end_word":5877,"sentiment":"positive","sentiment_score":0.49007853865623474},{"text":"Now the way we're sort of looking to do this and the way this sort of strategy works is that we're able to move a certain portion of your funds into the account based pension side. It's called a TTR pension, a transit retirement pension account. We do have to leave about 10,000 behind, and the strategy I've worked out on the second line here, it shows you that we're gonna commence that with a 134,411, and we're gonna leave that 10,050 in your current accumulation account. So you'll end up with two super accounts. One super accumulation as you have it now. The next one's gonna be like a a it says pension account, TTR pension account on there, and you'll see the funds distributed between the two accounts. Yep. What we're going to do, and I'll go through this a little bit easier. If you scroll down past that writing because it can be a bit confusing, if you scroll down to page the bottom of page twenty six and twenty seven there, I've actually got a table that outlines this. And when we sort of spoke last time, you sent me a copy of your two payslips. So I was able to have a look at your payslips to work out what your average earning capacity is and so Yep. we can look at how best to keep your take home pay as much the same as possible. Okay? Yes. So what I had to look at because you are an aged care worker, you do get different penalties and do work, you know, some additional shifts here and there. So what I've done is I've taken your highest payslip, worked off your gross income, and projected that forward to make sure we're not exceeding any contributions caps at all. But, essentially, Mhmm. when I had a look at your pay slip and evened it out over the course of the year, it did show me that your gross income for the year is expected to be about 65,115. Can I double check? Would that have changed since would you be on anything more than that since we last caught up? Would that be Mhmm. No. My pays really don't change at all because I there's quite a few of us at work that just do day shift. I don't do afternoon or night shift or just do day shift. I've been there that long, but, yeah, we've got our Okay. shifts Yeah. and that's it. Yeah.","start_word":5878,"end_word":6297,"sentiment":"neutral","sentiment_score":0.10609232172636048},{"text":"Beautiful. Excellent.","start_word":6298,"end_word":6299,"sentiment":"positive","sentiment_score":0.5864558219909668},{"text":"So we've worked out your income here. So what essentially happens is and you'll see the current position and proposed position. The proposed is what we're gonna do to make the changes. Essentially, having your income at that 65,115 gross, at the moment, there's no salary sacrifice contributions. So you'll see your net income, your net taxable income is about 65. So it's your gross taxable net income. Gross taxable income, I'm sorry, Sharon. If I could talk this afternoon, Yes. it would be okay. I'm being Yes. tongue tied. Yes. It's $65.01 $1.05. And then the income tax on that the income tax taken out is 11,601, which essentially means that your take home pay is about 53,514 there. Okay? Yes. Yep. With the proposed column, we start again at the top with your your gross income, and then we're gonna increase your salary sacrifice contribution. So for the year, we're gonna then put 20,200 in there that you get paid on a fortnightly basis. So Yes. I'll work it out for you as a fortnight. It would be about $776.92 per fortnight. That we increase your contributions in to supervise that amount. And then you'll see there that does decrease your take home pay. So your take home pay decreases to 44,915. It also decreases your income tax. So your income tax goes from 11,601 to 4,843. Now because we know increase in the contributions reduces your take home pay, we don't want that. So under the strategy, you'll see on the bottom there, the pension withdrawal. It's the second column from the bottom of that same table. The number 13,000 On '20 four 40 on one. where was that? On So on the same line, look at the second last column from the bottom there. It says pension withdrawal, and the number is $13.04 $4.01. oh, yes. Yes. Yeah.","start_word":6300,"end_word":6611,"sentiment":"neutral","sentiment_score":0.04528238746122672},{"text":"Yeah. Perfect.","start_word":6612,"end_word":6613,"sentiment":"positive","sentiment_score":0.5254103541374207},{"text":"So with the recommendation, we're increasing your contributions in the sofa. It reduces your take home pay. So then under this strategy, we're able to then withdraw that $13,000 on a yearly basis or if I work at per fortnight, $516 from your transition pension account to your bank account. The money you're taking out of super is completely tax free, and you're putting more money into super than you are taking out. But it brings your take home pay back to the same level. Oh, you've lost me. That's okay. That's okay. So to run through it again for you, we're starting off with 65,115. That's your Yes. gross income for the year. We're gonna increase your contributions to super by 20,000. So $65.01 $1.05 minus that 20,200 means your taxable income is reduced to 44,915. And then the income tax is deducted to 4,843. That comes off that $44.01 9, which means your net take home pay is 40,072. But under the current scenario, your take home pay is currently 53,514. So we wanna get that back to that 53,500 mark.","start_word":6614,"end_word":6796,"sentiment":"neutral","sentiment_score":0.1428987681865692},{"text":"So you can withdraw that 13,000 out of super, 13,000 on top of that $40.00 $7.","start_word":6797,"end_word":6812,"sentiment":"positive","sentiment_score":0.34788745641708374},{"text":"02 brings you back to your actual take home pay. Right. Okay. It's okay. But does It is a lot. Yeah. does this does this play around with my pay like, my pay slip and stuff? Or Yeah. So what we'll essentially do is we'll give you a salary sacrifice letter, which tells you how much to put into super. Your employer will organize that along with your contributions. They will put that money into super pretax as part of the salary sacrifice, and then we will organize that withdrawal of that 13,000, which is about $516 on a fortnightly basis. We'll organize that to come out of your pension account so it hits your bank account.","start_word":6812,"end_word":6928,"sentiment":"neutral","sentiment_score":0.15853342171917614},{"text":"So the income you get from your employer plus the amount you're gonna take out of super will replenish your income. It keeps your take home pay exactly the same. It's about a dollar difference from what I've worked out here, but it keeps your take home pay basically exactly the same for the year, and it means that you're putting a lot more money into super to provide a a greater benefit inside super.","start_word":6929,"end_word":7003,"sentiment":"positive","sentiment_score":0.4242231249809265},{"text":"Does that make Okay. sense? So when so when does this start? So if you decide to take on these recommendations, we will essentially settle this up straight away. What we will do first is we'll start by doing the investment switch, then we open the pension account. We move the money over, and then we give you the letter with the salary sacrifice. The way I like to work this out is that we'll let you know when the first pension payment is due so you can tell your employer when to start the salary sacrifice. I never want your salary sacrifice to start prior to your pension payment coming down because otherwise, you end up with a bit of a shortfall. So when we know when your first pension payment is due to be drawn down, which replenishes your income, then you can start your salary sacrifice. Does that make sense? Yeah. Come here. So That's salary okay. sacrifice You is that a step yeah. do you salary sacrifice yourself? No. Your employer does it. So you just tell your employer you wanna make x contributions in the super, and they organize that the same as they do with your employer contributions. It comes out pretax. Yes. I'm already salary sacrificing. In the super or is it salary packaging? Salary packaging. Yeah. So this is a little bit different. So you've got what's called salary sacrificing or salary packaging, which is paying you can use it for rent or use it for paying off a car or a lots of other options. This type of salary sacrifice is where money is taken out of your income pretax and put into super. Oh, okay. Yeah. And because and at your marginal tax rate of, say, 30% or, you know, plus the Medicare levy, so 32%, inside super, that extra 20,000 is only ever they only take 15% tax. So you're essentially putting more money into super. It's taxed at a lower rate in super, and that money stays invested for you. Does that make sense? Yeah. It does. Yep. Yeah. So I still take home so at the end of at just at the every fortnight, when I get my pay, I still take home the same amount. Yep. Yeah. Yep. Correct. It's just that it comes from two two different areas. So, essentially, we're putting money into super. You're taking some out to replenish your income, and your fortnightly yearly income will stay the same. Right. Okay. Yeah. I It's think a I'm lot. I know. it is a lot to take on. Yeah. It is a lot. It is a lot, but it is a really cool strategy.","start_word":7004,"end_word":7454,"sentiment":"neutral","sentiment_score":0.08899985855143773},{"text":"It's a great way to sort of be making sure you're able to put more money into super so you have more invested providing that benefit inside super.","start_word":7455,"end_word":7482,"sentiment":"positive","sentiment_score":0.39770346879959106},{"text":"But at the same time, by making additional contributions to super, your take home pay is affected. And living expenses are a lot at the moment. So this sort of strategy allows you to put money in the super, but also to have some taken out so that your take home pay isn't affected, but you're still able to add more money into your super. Does that make Yes. Yeah. It does. So sense? Yeah. at the moment, I I know what I saw. I sacrificed 600 and something. I saw a sacrifice, a salary package. That's Package. what this Yep. is. This is what this is. Yeah. It is a little bit different. The salary packaging is where you're moving money pretax from your income into other areas. It could be going on to a debit card for usage elsewhere. It could be going into your rent. I'm not sure where your salary packaging to. Yeah. Yeah. That It is goes on my rent. Yeah. Yeah. yeah. My own So list. you're just you're just doing your rent pretax to cover your rental expenses. Yeah. And the salary what you're doing, Yep. is that is that the It's same? very very similar. So the money goes out of your income pretax and into your super fund and gets invested along with your employer contributions. And so when it does that, like, when it's salary sacrifice out of it, it I mean, because when I salary sacrifice now, like, it goes back in. Mhmm. It goes out. Like, I get my pay slip, but it's in there the next day. The salary sacrifice is in there the next day. The salary is Yep. that package is that what'll happen? So sorry.","start_word":7483,"end_word":7773,"sentiment":"neutral","sentiment_score":0.07414965504377159},{"text":"I think I've lost you a little bit there.","start_word":7774,"end_word":7782,"sentiment":"negative","sentiment_score":-0.39609938859939575},{"text":"So the what do you mean by the next day? Do you mean the money's in soup for the next day or the money's in your bank account the next day? I'm so The sorry. money's back in my money's in they sell so they salary package it, salary sacrifice Yep. it, Yep. take it Yes. out, and then it's back in there the next day. So the way this works is that your there's often a little bit of a discrepancy around the days. The money would be put from your from your from your income pretax into super and at certain points. So we can set up each week or each fortnight on a certain day. It can coincide with your income with your income from your employer, and we tell your super fund when to make those income payments. And those income payments go into your bank account, but we can make those work in line with your with your pay week. Absolutely. You can. So, like, once Yeah. a fortnight Yeah. when I get paid, you can Yep. Yep. make that work. Like, I think Yep. this this week's pay Definitely. week. So Yep. on the Thursday, that could potentially go back in there on on that in that account on the Thursday. Yeah.","start_word":7783,"end_word":8000,"sentiment":"neutral","sentiment_score":0.06647808670382434},{"text":"Absolutely.","start_word":8001,"end_word":8001,"sentiment":"positive","sentiment_score":0.3817259669303894},{"text":"See, we're it's about just setting up because it happens in two different areas. The money comes from your income to super happens one day your employer organizes that with your payslip. The money coming out of super to replenish that is a whole different scenario. We're setting up two separate transactions. One from your employer to your super fund, the other one from your super fund to your bank account. The one from your super fund to your bank account, we can organize to happen on a certain day that suits you. We can happen on a weekly basis. It can happen in line with your income. So if this week is your pay week, we could make that a start of the same day as your pay week. We can have it happen the day before or the day of. That way, it's in there either the day of or the day after, whatever suits you. And it just happens every fortnight, essentially. We can even do it the opposite way to your pay week if you want. So we can set it up however is com comfortable for you. Yeah. That's what, like, me that's what I prefer for it to be done on the Yeah. Thursday that I get I get my salary sacrifice back in. Do you know what I mean? Yeah. Absolutely. What we sort of also do is we when we set this up, we always set up the pension first and find out when the first drawdown, when the first pension payment is due to you. That way, you receive the first pension payment before you start your salary sacrifice into super. We do that because if we did it the other way, the salary sacrifice comes out, and then you find you might be left a little bit short because your income's your take home pay isn't being replenished in time. So I like to start it so we start your pension withdrawal first, and then when we know the first payment, then you can let your employer know to start that salary sacrifice payment for you. Does that make sense? It does. I'm just a little bit worried Yeah. about it. But, yeah, I'm a bit bit That's worried okay. about it happening. Because I don't wanna That's be okay. left short of money because there's only just me. Yeah. Yeah. No. Definitely. We'll have a look through it. I mean, the way this works is that, you know, you don't have to pay out as much as what you put in because of the tax side of things. But when you sort of calculated the 65, sorry, minus the 20,000, it brings you back to $44.09 $1.05, and then you've got your tax there as well. Ultimately, that means that your net income is 40,072, and then replenishing it with the 13,000. Are you there? I'm so sorry, Sharon.","start_word":8002,"end_word":8491,"sentiment":"neutral","sentiment_score":0.13758194778038532},{"text":"I just had a bit of a coughing fit.","start_word":8492,"end_word":8500,"sentiment":"negative","sentiment_score":-0.39890122413635254},{"text":"That's okay. Yep. Sorry about that. I'm so sorry about that. I just had a little bit of a coughing bit. Yeah. But, look, there's no there's no if you're not comfortable taking it on, what you don't ever have to It's about showing you ways that we can look to boost the super and Mhmm. also make sure to re replenish your income for you as well. Okay. Yeah. Right. Okay. Yeah. That that was my only concern. I like I know. Yeah. It might sound funny, though, but I just need to know that my my pay like, I'm so used to having my No. pay in my bank Absolutely. account on the Thursday. All of it, like, Yeah. it goes in there Wednesday night, but, obviously, Yeah. the salary sacrifice comes out, then the salary sacrifice goes. The salary sacrifice money comes back in on the Thursday. Yeah. I just I from my point of view, I just like to know that it's all in there and above board on the Thursday. Do you know what I mean? Yep.","start_word":8501,"end_word":8682,"sentiment":"neutral","sentiment_score":0.0604303702712059},{"text":"Yeah. Absolutely. And we can work with you to make sure that those pension withdrawals are set up on the day, you know, that you need them to be in there, that's not a problem at all.","start_word":8683,"end_word":8719,"sentiment":"positive","sentiment_score":0.4135262370109558},{"text":"So you withdraw oh, you've lost it. Withdraw the Yep. salary hang on. Withdraw the salary sacrifice, Yep. and then it goes back and that money goes into my super, Mhmm. and then you put it back in my account. Is that right? Yeah. Yeah. So think of it like two very separate transactions. It is a little bit different the way it works for salary packaging because when their salary packaging goes out then comes back in when salary sacrifice, your employer when they do your income or your pay, they're going to then increase the amount that they put in the super. So Yes. just like they do with your pay and your employer contributions, they'll hold a separate amount aside out of your income, which goes into your super fund up here. And then we because your take home pay is reduced, we then set up a separate withdrawal from your pension your super pension account, and we withdraw that down to your bank account. Wait. The And the that super replenishes your income. Sorry. say you withdraw the money out of my super that super pension account. Yep. Withdraw that out of my super. Yeah. That's correct. Yes. Okay. I'll I'll okay. I've kind of got it. You need to probably That's need to okay. That's absolutely fine. The idea is and you'll see the difference. We are we're putting in 20,200 over the course of the year, but we're only withdrawing out $13,004.04 1. So it works because you're putting more money into super from your income, and Yes. you're drawing a little bit out of super to keep your take home pay the same. The amount you take out of super, because you're over 60, is completely tax free. Yeah. Oh, okay. Yeah. Right. Yeah. Okay. I'm with you now. Yep. Does that make sense? Yeah. Yeah. It's done. Okay. That's okay. It's a lot to get your head around. It's absolutely fine. I'm still trying to, but I'm trying to I'm trying to get in it. Yeah. That's okay. That's alright.","start_word":8720,"end_word":9067,"sentiment":"neutral","sentiment_score":0.0911075621843338},{"text":"You're welcome to ask anything more you have.","start_word":9068,"end_word":9075,"sentiment":"positive","sentiment_score":0.5443490147590637},{"text":"I'm I'm here I've booked you in for lots of time, and and it can be a very complex strategy to do, and it does take us a bit of time to put it together. So, you know, ask any questions you have. Take some time to read it over, and do come back if you do have additional questions there. Okay? Okay then. Did you can you post your hard copies of these? Yeah. We absolutely can. Did you want one posted to you?","start_word":9076,"end_word":9160,"sentiment":"neutral","sentiment_score":0.10950802266597748},{"text":"Could you oh, I'm probably being a pain if you could.","start_word":9161,"end_word":9171,"sentiment":"negative","sentiment_score":-0.5021236538887024},{"text":"No. Yeah. Absolutely. So Not a problem. potentially, if you were to do this, would that boost my super from those figures that you gave me or not? Yeah. I would. Yeah. So on that page with where you are at the moment, if you scroll down a little bit further for me, down to sorry. I've got a projection table here for you. Down to page number 34. 34, Yep. 40. Oh my god. Here's 38, 36, 36, 35. 34. Righty. 34. Okay. Yeah. Yep.","start_word":9172,"end_word":9257,"sentiment":"neutral","sentiment_score":0.06295423954725266},{"text":"Beautiful.","start_word":9258,"end_word":9258,"sentiment":"positive","sentiment_score":0.3958249092102051},{"text":"So this is a fee comparison table. It's another projection table there. Just looking at the recommended, you'll see your two net wealth accounts. You start with having 10,050 sitting in the super side of things, and then your TTR pension has that one thirty four four four one. You'll have the administration fees, investment fees, the ongoing service fee for us looking after everything is distributed Yes. across. Your total contributions increased in the super, and then you'll see your pension withdrawal of the $13.04 $5.01 there. So your pension withdrawal will come out of that account. Your contributions go into the super account. And with the the investment changes lowering your risk and being in a balanced portfolio, over the next two to four years, you can see we do end up with a bit more as per the projection below there. On hang It's below. So below that fee table, you've got the the projection table there on. with Love two and some four years. comparison in two years. Yep. So instead of it saying recommended 170 hang on. So it'll be It'll so go up to that $1.70. Yeah. but what's the current $1.75, though? That's if you don't make any changes. So that's if you stay in the same super account, don't change the portfolio, don't lower the risk level, you stay in the same portfolio you're in. Obviously, being in a higher risk portfolio, not making any changes there, you can be in a better position.","start_word":9259,"end_word":9510,"sentiment":"neutral","sentiment_score":0.13944809014598528},{"text":"And the whole thing about this is you're lowering the risk level as well. So by doing a strategy, you're able to sort of close that gap a little bit.","start_word":9511,"end_word":9540,"sentiment":"positive","sentiment_score":0.4630611538887024},{"text":"But by reducing your risk level in the portfolio, taking less risk in your super, you'd we do expect less returns. So there is gonna be a gap between where you Oh, are currently I think projected to where you Currently, might be projected. what Yeah. currently, with the weight left now, I could potentially Yep. get a 175. But with Yes. reckon what you've just recommended me, Yep. I'd get a 170,000. Hundred and 70. Yep. And Yep. so Or the a 197 in so four the years' that's time. the difference. That's the 13 It is. thousand. So Yes. so that'll be with doing this patient thing set up as well? Yep. Yeah. Correct. Yeah. So it is closing the gap a little bit, but we're knowingly we do expect lower rates of returns.","start_word":9541,"end_word":9676,"sentiment":"neutral","sentiment_score":0.08992142975330353},{"text":"And look, the markets could perform much better. You could get a much greater return than that 9.73%. You could get a 20% return or a 15% return one year. So you could end up with definitely more of this. And with this strategy, we refresh it every year.","start_word":9677,"end_word":9725,"sentiment":"positive","sentiment_score":0.5715826153755188},{"text":"So we come back and review what you're earning, what your pay, what your income looks like, how your super's been working. If it doesn't work, we can close it off and roll everything back and go back to looking at other strategies, or we can always do a refresh where we roll everything back to accumulation, start again in the pension, rework your draw downs and what you can put into super, and keep kind of refreshing the strategy so it's working for you each year. Right. Okay. So, yeah, Yeah. I'll get another one of these calls from you next year to see how things are going too, won't I? Right? Yeah.","start_word":9726,"end_word":9839,"sentiment":"neutral","sentiment_score":0.22257524624205471},{"text":"Absolutely. We'll do an interview in a few months' time to see how things are going so far. And then, yeah, absolutely. We'll, you know, touch base when you hit that twelve month mark, look at what's changed in your life and how everything's going, and then we can look to refresh the strategy for you.","start_word":9840,"end_word":9895,"sentiment":"positive","sentiment_score":0.4128311574459076},{"text":"Yeah. Right. Okay. Yeah. Alright. Okay. I can't yeah. Okay. I yeah. Yeah. So it's a lot to take in, but It yeah. is. I absolutely understand that it is it is a lot to take in. It is a very complex strategy to it. It is really cool because this is not open to people when they're under the age of 60. Unfortunately, you've gotta be 60 to be able to access these social strategies.","start_word":9896,"end_word":9971,"sentiment":"neutral","sentiment_score":-0.09462794661521912},{"text":"But there it is a good way to be able to put more money into sofa. That way, you're providing a greater benefit, having more money invested, but also being able to draw a little bit out of your sofa.","start_word":9972,"end_word":10011,"sentiment":"positive","sentiment_score":0.4156353771686554},{"text":"So but as as I sort of said before, this is just the recommendations. It is up to you whether you take the recommendations. You do not have to in any way. If you decide you don't wanna take that transition strategy just yet, you wanna maybe hold off and, you know, look at something else, we can absolutely do that. You can look at just making contributions if you want to, just doing the investment switch and seeing how things go.","start_word":10012,"end_word":10093,"sentiment":"neutral","sentiment_score":0.11708342283964156},{"text":"Essentially, the advice document is outlining the recommendations to show you where we can sort of hopefully put you in a better position down the track.","start_word":10094,"end_word":10119,"sentiment":"positive","sentiment_score":0.4409710466861725},{"text":"Yes. But at the end of the day, it's just within your comfort level as well, and I don't ever want you to feel like you have to take on the recommendations. You're allowed to say, I'm not quite comfortable yet. Let's hold off for a few months and come back and revisit that. And that's absolutely fine. Okay. That I yeah. I just yeah. I, like, I would certainly, Yeah. like, really, really consider that pension thing. Yeah. I'm Yeah. not ready to jump into it straight away. But That's okay. so so you're gonna go in now and change change the way it works around or not not until I sign this document? So what we'll do, on the very last page of the document there, you'll see where it's got your site your name and a little signing box there. You've got Yes. a little text box. In there, if there's any sort of a strategy you don't wanna take on board or you wanna hold off on, we just get you to write a little blurb. So in if they're in, say, you don't want the the TTR strategy, just say, hold off on the pension strategy or I just want the investment switch. And just a little bit of instruction as to what you want us to follow, and that's absolutely fine.","start_word":10120,"end_word":10346,"sentiment":"neutral","sentiment_score":0.10189351498555509},{"text":"We'll follow that direction for you.","start_word":10347,"end_word":10352,"sentiment":"positive","sentiment_score":0.3488582968711853},{"text":"Okay? Okay. And also Yeah. if if no. So your so your well, recommendation is to make it more secure for me is to stop is to to go with this strategy with the changing around of things like, Yes. hey.","start_word":10353,"end_word":10393,"sentiment":"neutral","sentiment_score":0.1456078290939331},{"text":"Yeah. So it makes it more secure for me.","start_word":10394,"end_word":10402,"sentiment":"positive","sentiment_score":0.3708019256591797},{"text":"Yeah. Yeah. Yeah. So it's about making the changes to the investment profile. It's reducing the risk level that you're taking and also, you know, making putting you in a better performing investments and lowering the risk, trying to sort of make it so you don't feel those ups and downs as drastically and try to get long term Yes.","start_word":10403,"end_word":10462,"sentiment":"neutral","sentiment_score":0.291929692029953},{"text":"consistent returns as well. But, yeah, the pension strategy is also about trying to increase your contributions in the super because markets will work and can only work so far. Contributions go a long way to assisting that, and this sort of allows you to make contributions without having to affect your take home pay.","start_word":10463,"end_word":10517,"sentiment":"positive","sentiment_score":0.4425538019700484},{"text":"But it's not something that everyone talks about, and it's something that sometimes people are a little bit hesitant about. And if you just decide to hold off on that side of things, that's okay. You can tell me to call back in a month or two or three, and we revisit that. I can do this again in a few months time for you.","start_word":10518,"end_word":10582,"sentiment":"neutral","sentiment_score":0.10460637509822844},{"text":"It's not a problem at all.","start_word":10583,"end_word":10588,"sentiment":"positive","sentiment_score":0.3851594626903534},{"text":"Okay? Okay. Alright. And Yeah. so where did you say I write down what I don't want? Just on the the very last page. So the page number, just so you've got it there, is page number 48, and you should see a text box there. It's got my signature and it's got the date. Does it have a little text box at all? Got it, like, a long one at the top at the Yep. top of that. Yeah. That's the one. Yeah. So you'll just write a little blurb in there just saying, you know, something that you do or don't want. Oh, I see. Okay. Yep. Yep. And Alright. if you get stuck, just give us a call. We can certainly help you along, but it's not a problem at all. Okay? Alright. Okay. All good. I'm sorry As I took part so of long, and I took a long no. lot to understand Please it all. don't. It's absolutely fine, Sharon. As I said, this isn't stuff that everyone is aware of, and these sorts of strategies is why us as advisers come up with these sorts of things to sort of help you along because it's not something everyone's aware of.","start_word":10589,"end_word":10794,"sentiment":"neutral","sentiment_score":0.0732111781835556},{"text":"So we like to kind of put the options out there and show you how this works. And if you're comfortable taking it, absolutely.","start_word":10795,"end_word":10818,"sentiment":"positive","sentiment_score":0.4484095573425293},{"text":"If you're not, don't worry. Please don't ever apologize.","start_word":10819,"end_word":10827,"sentiment":"neutral","sentiment_score":0.09699617326259612},{"text":"It's absolutely fine. I can come back and do this again. I actually really enjoyed doing putting these things together for you. So I'm more than Yes. happy to go back and revisit it, look at it again. We can just, you know, make some small changes now then come back and do your review in a few months' time and then, you know, look at what changes we can make then or what you're comfortable looking at or what's changed in your life. Or if you just decide to make, you know, you wanna maybe make some additional contributions, we can do that as well. There's lots of different ways to sort of boost your super and lots of different things that we can do there for you.","start_word":10828,"end_word":10956,"sentiment":"positive","sentiment_score":0.5454948821733164},{"text":"Okay? But that one that one you've offered me is doesn't make any difference to anything then, does it? Like, really?","start_word":10957,"end_word":10977,"sentiment":"neutral","sentiment_score":0.08051134645938873},{"text":"Well, I still it is the best way to go because you're putting more money in the super, but you're also taking some out to replenish your income yes.","start_word":10978,"end_word":11006,"sentiment":"positive","sentiment_score":0.4199799001216888},{"text":"If you decide to not do the the pension account side of things and just make additional contributions, that's absolutely fine, but it does reduce your take home pay.","start_word":11007,"end_word":11035,"sentiment":"neutral","sentiment_score":0.08426440507173538},{"text":"So these TTR strategies are the best way to go because you are keeping your take home pay the same, reducing your income Yes.","start_word":11036,"end_word":11059,"sentiment":"positive","sentiment_score":0.3834895789623261},{"text":"tax, and also making more the super. But it's not always something someone's comfortable doing, and that's that's okay. Yeah. Yeah. I yeah. Yeah. Anyway, I just yeah. Anyway, It's as I said, I feel like okay. I'm questioning it all, but I I can understand. No. You're But fine. as I said to you, Yeah. my only fear and I there is a fear that I I just I just like to know that that money is back in my account on that payday Yeah. every Thursday. That's my only little fear. It's just a tiny fear, but Yep. yeah. That's okay. And and as I said before, like, we will not do it. We won't send the salary sacrifice letter until that pension account is set up, until we have your first pension payment drawn down. That way, you've got that as a backup. We know the first payment's worth. It's in your bank account, and then we can set that salary sacrifice option up and have that money moved into super for Right. Okay. you. Alright. Yeah. Okay. Yeah. I'm I'm sorry I've Okay. kept you so long. Yeah. No.","start_word":11060,"end_word":11252,"sentiment":"neutral","sentiment_score":-0.001364467597996015},{"text":"You're absolutely fine. It's not a problem at all. I will also let you know after those recommendations.","start_word":11253,"end_word":11270,"sentiment":"positive","sentiment_score":0.4446227550506592},{"text":"We've also made recommendations on your beneficiaries. So you wanted your adult children, but we sort of talked about the tax consequences there. So money from super and from your life insurance proceeds that are paid to nontax dependent, it does mean they have to do they do have to pay tax there. So I am making recommendation that you owe to the beneficiary to be your legal personal representative. That essentially means that in the event of you passing, that the super annual life proceeds are paid to your estate, and then you just need to make sure you have a will drawn up so that it is directed to your kids.","start_word":11271,"end_word":11383,"sentiment":"neutral","sentiment_score":0.23647776246070865},{"text":"And that way, you can actually it does reduce the amount of tax they do pay. So it just saves them a little bit of extra tax, meaning they can get a bit more out of them out of it. And you will you have a lot more say in where that money is directed and how it's directed to them.","start_word":11384,"end_word":11444,"sentiment":"positive","sentiment_score":0.475182592868805},{"text":"Okay. So I get my wheel done and get that put in the wheel. Yep. And we'll alter the beneficiaries here to be put towards your will. So if I was to alter, like, alter the beneficiaries, who do I Yep. put it on API, the person that's in charge of my will or something or what? No. How do you who who do I believe it to? So you wanted your life insurance proceeds and your super left to your adult children? Yep. Yep. So, essentially, what we would do is we'll update the beneficiary nomination. So they say LPR on your super and your life insurance. Yes. And if in the event you would have passed away, you just gotta make sure you have a valid will. And Yeah. as part Right. of that will, you just need to make sure in the will and just you can speak to a solicitor. They can draw up a will. We can provide you with some details on a local solicitor, or you can get a free will kit done up. You just go to the post office and buy a will kit. There are often a point where some of the banks and other finance institutions will let you know they're doing free will kits as well. But just having a will drawn up and in the body of the will, making sure it does stipulate that your super and life proceeds are be to be directed across and where you want those to be directed to. So, to. So, essentially, in the event you were to pass away, your super and your life insurance money is sent to your estate. All your other assets are sold off or accumulated. Everything is pulled together, and then it's directed out to your kids as per the direction in your will. Does that make sense? Right. Okay. So so what did you say l p new? Legal personal representative. It stands for it's LPR, stands for legal personal representative. It's a funny Oh, word so it for could your someone estate. I've got I've got someone that's looking after my affairs. Is you is that what you Yep. mean? Yeah. Yeah. It'll all get pulled in with that and then in your will. So do you have a will at the moment? No. I've gotta make one. Yeah. Yeah. So in the body of your will, when you speak to a solicitor, they'll talk about, you know, what happens to your life proceeds, what happens to your super, what happens to your cars or your jewelry, things like that. Yes. And that oldest gets nominated in your will, but it is really important to have done that up. Yes. And having your beneficiary structured this way, because with the way your kids are, they're adults at the moment, and they're basically, if they were to receive the proceeds direct from your super and your life insurance proceeds, they do pay tax on that. Essentially, the tax is up to 17%. Yes. So Yes. Quadlock having it directed top.","start_word":11445,"end_word":11961,"sentiment":"neutral","sentiment_score":0.102945804653592},{"text":"through your will just reduces the amount of tax they have to pay on those those funds, meaning they can get a bit more out of it for you.","start_word":11962,"end_word":11990,"sentiment":"positive","sentiment_score":0.4507232904434204},{"text":"Does Yeah. that Right. make sense? Okay. Yeah. It Yeah. does, mate. Yep. Okay. I must All get good. on to that. Hello.","start_word":11991,"end_word":12013,"sentiment":"neutral","sentiment_score":0.14970868631549503},{"text":"I'm really naughty. I I need to get on to it.","start_word":12014,"end_word":12024,"sentiment":"negative","sentiment_score":-0.6261587142944336},{"text":"Oh, Hey. that's okay. It's not. That's alright. We can send out if you like, I can organize it'll probably be tomorrow if it's okay, But I can send out a I can send out an email to you, which has some information on a local solicitor that we can refer you through to, but it costing just for you to have a look at, and then feel free to have a look at some Yep. other I've solicitors actually got as a well. niece. I've got a niece that's a that's a lawyer. So Oh, perfect. Yeah. get on to I mean, she'll help me. Obviously, I'd I'd expect to charge me, but, I mean, she'd help me with it also. Yeah. Yeah. Yeah. No. Perfect.","start_word":12025,"end_word":12151,"sentiment":"neutral","sentiment_score":0.06097065284848213},{"text":"That is absolutely perfect.","start_word":12152,"end_word":12155,"sentiment":"positive","sentiment_score":0.43465328216552734},{"text":"But, look, Okay. what I'll get you to do take some time to read through this. I'll get someone to print a copy and email it and so I post it out to you as well. You're welcome to take some time to read it over. It's got the advantages, the disadvantages, a bit more detail around how those strategies work. Have a read through them. Let me know if you do have additional questions, and we can always come back and have another conversation prior to you taking on any of the advice. Okay? Alright. Okay. Oh, No good. worries. Okay. That's Thank okay. you so much for No your worries. valuable time.","start_word":12156,"end_word":12269,"sentiment":"neutral","sentiment_score":0.1225794404745102},{"text":"Oh, that's Thank you. okay, Sharon. I'm here for you. It's not a problem at all. Okay. Thank you. You have a nice night. You too. Thanks, Sharon. Talk to you soon.","start_word":12270,"end_word":12301,"sentiment":"positive","sentiment_score":0.4952361285686493},{"text":"See you later. Okay. Bye. Bye.","start_word":12302,"end_word":12307,"sentiment":"neutral","sentiment_score":0.2137514054775238}],"average":{"sentiment":"neutral","sentiment_score":0.1304672133397765}}}}