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Like, our phone's an Internet based system, but it kinda sent you the email, and then we lost contact. And then I tried when you call back again, you were transferred through, and I couldn't hear anything. And I was like, okay. The IT guys need to fix this, so I'm gonna call off my phone, and we'll go sit in an office somewhere. Sorry about that. Fantastic. Okay. It might be a little bit small. That's alright. It there's a live yes. So there's a button that says sign here, and it takes you to the signing prompts. But what I sort of wanted you to do before you sign it is just to press that button so it takes you through. So you could just sort of scroll up and down through the document. Is it letting you do that? Yep. Perfect. Perfect. So what we'll do is we'll go through that really quickly. On the very last page where the signing section is, you'll see the little areas that has your name pre filled in there, but it's not officially signed as of yet. You just need to click on the document when you're comfortable to proceed with the advice. Okay? Yes. Oh oh, yeah. Yeah. That's okay. I will help you. Don't worry. That's alright. I'll take you through a bit by bit. Essentially, if you do have any questions as we are going through, let me know. But as you spoke to my colleague Kyle a few months ago, and he was looking to do that transfer your time strategy for you. Kyle has unfortunately left the company. He's gone on to some greener parts. He just wanted to look at some trying out some other advice as an adviser. So I've taken over your file, put this together, and I've had a really good look at, you know, your super and made a few other recommendations for you as well. Okay? That's okay. Now on the front page, there are notes this document has been prepared for yourself. Julie Fenwick, as of the 07/13/2026, now our advice is valid for thirty days from the date on the document there. That's, like, sixty days from the date on the document. Underneath there, we've also got my authorized representative number. So as a full licensed adviser, I am registered through ASIC, and my registration number is 1304394. Okay? The next page outlines the best interest, Judy. So it is important to note that we go through the process we do with providing advice because we are looking at your, you know, advice this is your super. This is your retirement. So we wanna make sure we take very good care of that, and any advice we do provide, those need to be provided in best interest as per the corporations act, making sure that we're here to meet your goals and that the advice is reviewed and updated as it needs to be as we work towards your goals and your retirement. Alright? Excellent. The next couple of pages outline the areas that we are scoping in and out. So you wanted to look at superannuation. You were hoping to ideally retire by the age of 67, income to be drawn down in retirement. Expect it to be about $800 per week to maintain your current lifestyle. You wanted to explore additional strategies to help and grow your super in terms of investments and contribution strategies to help get you the best retirement outcome possible. With the beneficiaries, because we are looking at you, super, we do scoping the beneficiary side of things. When we are looking at transition or retirement strategies, we also need to make sure your beneficiaries are updated for each individual account. So I've also scoped in a state planning in the beneficiary side of things there for you. The scoping the limited scoping is more in in reference to areas that we're not making new recommendations around, but we are keeping sort of so dim because it has an effect on on the other recommendations. So, essentially, this is in relation to insurances. So you do have some insurances, some life and TBD, which is essentially paid out of your super. So whilst you kind of made mention to Kyle you were happy with the level of cover you had, didn't really wanna get any more cover or alter that. Because it is paid out of super, we do keep that it's on a limited scope scoped into the advice because it has an effect on your retirement. The premiums are still coming out of your super. We need to understand that, and that is reflected into the projection table for you. Does that make sense? Beautiful. Areas that we're not looking at any additional advice on the next page is so budget and savings. We've also got your debt, so debt management there as well, so things like your mortgage. And then, obviously, income protection and trauma, you don't have any of those. You didn't really wanna get any new cover at the moment. We're sort of going towards the light at the end of the tunnel there with that. You know, you're getting closer to to retirement, so we wanna focus on getting your super as high as possible. So we weren't looking at any additional insurances. Is there anything that might have changed? Is that all still okay, appropriate? Okay. Okay. Yep. Yeah. Yeah. Okay. Your income we had noted down when you spoke to Kyle last time was about 85,000 per annum. Do you still feel like that's pretty close to what you'd be earning? Not sure. Right. Yeah. Okay. Because the main thing with, like, the your time strategy is that it does sort of draw off your income. Obviously, if your income's a bit lower, it does mean what you draw down tends to top up your income a little bit more, which may may mean you end up with a bit more income. But I probably just wanna double check maybe a payslip or two to find out what your base rate is just to make sure this strategy is going to work for you. We don't wanna end up, you know, recommending too many more contributions in if you can't afford to do that and or, you know, upsetting your income too much. Do you yeah. Do you know what your total income was last financial year? Okay. Was it overtime? Yeah. Yeah. So you said 90 four? Okay. Oh, no. Okay. Yeah. That's okay. Absolutely. No. Yeah. No. That's okay. Yeah. No. That's okay. Well, what I would probably look at doing is just updating the the TTR strategy to maybe reflect changes to your income, and we maybe just do that off the 65,500. So we work off your base salary. That essentially means that anything more that you earn on top of that is only gonna be a benefit to you, but it all it just also means that we don't have to you know, if you don't get any overtime, it's not gonna negatively impact you in any way. So yeah. So what I can do, if you like, is I'll take you through the advice. I'll show you what it looks like now. And then if you want, I can just go back. So you're with no way over time, your base salary is 65,500 per annum. Is that right? Yes. Beautiful. So what I'll do is after the call, I don't sign it. What I'll do is I'll just go back to the team. We'll just redig the numbers a bit for that TTR strategy. And then when I've got that ready, I'll email it back to you, and I'll just give you a bit of a call So just say, hey. This is the new strategy with the numbers. We'll go through that together, and then you can let me know what you wanna do. But the first part of this is still appropriate. So I'll still take you through what we've got here just to kinda clarify. The other thing I had down here, if you scroll down to page number nine for me, we only had just your assets and liabilities noted down as per your last conversation with Kyle there. Can you just run through those to double check if that's still still fairly close accurate? Are there any changes that you'd like me to make to those numbers for you? Oh, no. You're right. Yep. Yeah. Oh, no. You're fine. Yeah. That's alright. Just let yeah. Just apologize for me, Faye. I'm so sorry. I took up all your precious time. Yep. That's the one. Yeah. Yeah. So this I'm checking those. Are there any major changes that you'd like to have updated? Yep. So pretty accurate. Yep. Fantastic. Excellent. Now the other thing is if you're going down to page number 11 there, you've got your risk profile. So when you and Kyle spoke to did your annual review, you are in a more of a balanced growth environment. So when you consider risk out of a number between one and five, five being the highest level of risk, one being the lowest, you're sort of sitting at that two, two and a half to three mark. So in that middle range there, a balanced growth environment is looking to still get some growth out of your super, but you are kind of in that closest sort of retirement era where you are transitioning down and wanting to reduce your risk. So this sort of environment sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other generally 30% in lower risk defensive investments like cash, bonds, and fixed interest. This sort of portfolio does suit someone who is, you know, looking to access their super in essentially the next five years, so it does suit your time horizon. You can be in this sort of area with a longer with a lesser time horizon, but it's more about just reducing your risk level, you know, gradually as you get closer to retiring. But we still wanna have some of those growth assets within all the portfolios even in retirement because we still wanna get longevity. Most of the people I talk to say, look, I'm getting to 67. I don't wanna take any risk anymore, but then you kinda have to think about most people in retirement spend ten, twenty, thirty, even forty years. It's a whole another lifetime in retirement. So, you know, it's about that still longevity. You still wanna make your super last as long as possible. So does that kind of balanced growth area still suit where you're at, do you think? That's okay. You're absolutely fine. It's not honestly with yeah. You're right. Yeah. That's okay. The I think the beauty between this sort of portfolio is that you don't have a lot of risk. You know? You sort of, as I said, out of one to five, you're about sort of two and a half to three. So you're very much on the lower scale. And the beauty of doing that TTR strategy, the transition retirement is that you're able to increase your contributions in the super by way of salary sacrifice, but also take some money out. And because the money that's put in the super is done by way of salary sacrifice, it's a pretax deduction. So that sort of strategy means more money goes into super. You don't have to take as much out to to replenish your income, and you actually can reduce your taxable income a little bit as well. So it provides you that kind of benefit of being able to increase your contributions in without having to take on more risk and make that compounding work a little bit harder towards your retirement. So it is a beautiful strategy. It's a shame you have to be 60 to do it, but it's one of the cool things about turning 60 that I like to point out to everybody. What I'll do is I will just take you through the changes to the super to start with if you like, and then I'll show you the TTR strategy. The numbers will probably change a little bit, but I'll still take you through what we had set up just to kind of explain it to you. Just with your super, when I kinda went back and reviewed the portfolio as a whole, now you had sort of mentioned, Carl, you were happy with how Hub twenty four was performing. Hub twenty four is a great super fund, and there is no need to change Hub twenty four. However, within the super fund, there have been some changes to the portfolio that I did wanna make as well. So, essentially, with your portfolio at the moment, you'll see the heading on there is recommended investment superannuation. Is that the page you can see? I think it says number 19 on the bottom. Yeah. You're right. Nineteen. Yeah. Yeah. So this is why I sort of, like, well, let's have a look at it together. So on this side here, you've got your hub twenty four speaker fund, and you've got all the different investments that you do currently hold in your fund there. So at the moment, you've got some beta shares staying high interest cash. This is like high interest cash account, and, essentially, you hold about 8.73% there. We wanna actually hold about 10%, so we're gonna buy a little bit more of that, about 5,000 so you increase your exposure into that defensive environment. With the bank hybrids, the one underneath that, that's more of a complex in a complex investment. So bank hybrids are very much like bonds where money is given to the banks. It is invested in their side of things or lend it out to people with mortgages, and then they give you an income payment. But bank hybrids as a complex investment are also traded like shares. These sorts of investments, since they are so complex, are actually gonna be phased out by the government over the next few years. So whilst we are making some changes to your super, we may as well fit you out of those now rather than holding off until we have to at the last minute. It's best to make the changes whilst we are making larger changes to your sleepers. So we are gonna sell all those investments down, the bank hybrids down to zero. You do have some global agriculture in there. Not at all a bad investment. You have about 2.88% at the moment, so your exposure is a little bit low. We wanna buy some more of that and bring you up to about 5%. So you'll have about 5% of your total portfolio there, and global agriculture is good. It is giving you exposure to global agriculture companies, so it is diversifying across the entire globe, which is what you want to help reduce overall risk. Physical gold, which has done really, really nicely and has done very well in your portfolio, but you are a little bit overexposed at the moment, so we only wanna hold about 10% physical gold. Physical gold does see growth, which is fantastic, but it doesn't provide any income. So to take advantage of physical gold, we do have to be able to sell it off every so often, rebalance it back, and that cements the gains that you've received, and then we redistribute those gains across other areas of your portfolio. One of the sort of risks with having these growth asset is that some of these growth assets perform better than others. So when you might have been said in the original recommendation, hold 10% physical goal. Because that growth has been so fantastic, it's gone up to 14% of your portfolio. That does increase your risk level a little bit, so it is always good to sell some of that off. You submit the gains that you've received, and then we can redistribute those gains across other investments to continue growing and compounding. Does that make sense? Yep. Well, please let me know if it doesn't. And if you need to ask more questions, you're more than welcome to. Okay? All good. So we are gonna sell a little bit of a physical goal, bring you back to 10% total. The iShares S and P 500 is giving you access and exposure to the top 500 companies in The US. You have a little bit more of that at the moment, so 25.10%. We're gonna sell some of that off and bring you back to 20% there just to rebalance the portfolio out. You've got the beta shares Raffi a 200 in there as well. That by no means has been a bad investment. You've got about 12% there. So we wanna just reduce the exposure back to 10% to selling a bit over 9,000 there for you. Then you've got the Vanguard diversified index fund. This one here, we wanna hold about 10% of your portfolio. It's a little bit underweighted at the moment. This diversified index fund is is supposed to give you some more access to defensive assets, so we wanna increase that exposure a little bit to 10%, so that means buying a bit more of that. And the Benelon Australian Equities, we're gonna sell all of that investment off. I'm not sure if Kyle explained when he spoke to you last time, but that investment has now been underperforming quite significantly in most portfolios. So we have looked at that with the investment committee, and they've decided it's no longer a valuable investment to have within the portfolios. The idea of Bennelong is that they're an active investment manager, so they're supposed to be buying and selling, and trying to outperform against the market, but they have not been able to do so. So we are looking to remove that from the portfolio. And to make sure you keep your Australian equity exposure, so, exposure into the Australian stock market. At the bottom, you've got the beta shares a 200. We're gonna buy 10% of that, so you hold that exposure. By removing Benelong and having the a 200, you're actually increasing your diversification and helping to lower the risk of your portfolio. Because the Banalong Australian Equities, they only ever held between 15 to 25 different investments within that portfolio. The a 200 gives you exposure and tracks the top 200 companies on the ASX. So it is giving you a wider range of exposure and more diversification, which helps to lower the risk level there. So we wanna hold 10%, and so we'll sell off that along and buy into the a 200 there for you. Okay? And then the ClearBridge infrastructure fund, so this is more of an alternative investment giving you access to infrastructure across the essentially, across the globe is giving you diversification across different countries And also core composite bonds. So bonds are replacing the bank hybrid investment. Bonds, this is giving you access to government as well as corporate bonds. And with bonds, you're essentially investing the money into the companies. The companies are then using that money to help build and grow and, you know, whatever they do on the inside of things. And because you're locking that money away in the investment, they're giving you income payments every month or every couple of months. That income gets paid back into your cash account in your super fund, and then it is reinvested across the other ports of other parts of your portfolio. That helps the compounding effect of your portfolio. So we do wanna hold about 15% in bonds, and we wanna hold about 10% in infrastructure as well. So we will be buying both of those just to increase your exposure and make sure you've got those defensive investments as well. Okay? All good. That is a lot. I completely get it. I try to try to go through those as easy as possible, but also making sure to give you a little bit of context because otherwise, they're like, here's what you've got. Here's what we're moving. Here's what we're gonna put in there. So just to give you a little bit of context on what each of the investments are, what they're good for, what we're going to do with the portfolio, essentially, and why we're selling some of these investments as well because, you know, sometimes you look at it and go, well, why are you selling all of that down? It hasn't done too badly. It actually, unfortunately, been along hasn't been great, and we do wanna get rid of all of that investment. And bank bank hybrids, because the government are gonna phase those out down the track, whilst we're making changes to your portfolio now, we may as well sell those down and replace them now. That way your portfolio has time to recover and rebuild and grow rather than making these changes now. And then in two years when they actually have them removed, we have to go back and find something quickly for you. So it's just about trying to make all the changes in a more appropriate manner for you. Okay? Excellent. Oh, good. In your cash account within the super fund, your cash is a little bit high. We only need to hold about 1.25 in cash. At the moment, you've got a bit over 2% there, so it does mean we're going to buy some of the investments. A bit over 4 thousand needs to be invested, so we'll make sure that happens for you as well. Okay? If you can scroll down for me to page number 22, this is kind of giving you the projected outcome and why we're looking to make those changes. Yes. This is the fee comparison table, and the first column outlines your current superannuation balance, the fees that you've got in there. So super funds, they do have admin fees, investment fees. You've got the ongoing service fee for having us update the advice and look after everything in the back end. And then you've got your contributions, which is your employer contributions as well as your salary sacrifice you're currently making into the fund as well there. So and then your insurance premiums, which are currently coming out of your super there as well. You're in that balanced growth environment at the moment, and when we look at the current portfolio and how it has performed over the past five years, it averaged about 8.33%, which is by no means a bad investment for performance at all, but you're closer to retiring. So we wanna make sure it's working as hard as possible. So when we make these changes by those buyers and sellers that we went through before, your super fund, just like you, does a tax return every year. So we know by doing the research that the super fund will account for capital gains of $950 by making those changes. So by buying and selling the different investments, the super fund will pay about $950 in CGT for doing that. Okay? Yeah. After that occurs, your expected balance within the fund is about $396,096. You'll still have administration fees because the balance is slightly lower. It does save you about $2 for the year in admin fees. The investment fees are the biggest part. So the newer portfolio as a whole actually has cheaper investment fees, and it's expected to save you $402 for the first year in investment fees, which is a pretty decent saving. That's more money left in your super working harder for you. Then we've also got the ongoing service fee. Now this is showing a difference of $5 for the year. That is because we factor in growth and the additional growth that we should see out of the new portfolio for the first year there for you as well. Okay? Contributions remain the same, and your insurance premiums don't change because we're not making any changes to those. But with that new balance growth portfolio, we're keeping the same level of exposure. But with the investments we're putting in there, it has actually seen a much greater return. So it's about point 69% more that it's averaged over the past five years. And if you sort of take those two returns and average them out over the next five to six years on the next page, you can sort of see that it does put you in a greater position. It's about making sure that super is working as hard as possible for you. So if the new portfolio with the saving and fees is able to make that return, you can sort of see where you could be projected to be over the next year, essentially. Yeah. Beautiful. Next part is the the TTR account. So, essentially, with a a transition or a time strategy, what we're essentially doing is we're opening up a second pension account, and it's called a transition to retirement pension account. Unlike a normal full account based pension, there are limitations around how much you can access. They don't allow you to access more than 10% of the total transferred balance, and we do have to keep your accumulation account open as well so your contributions can keep going in. So you'll end up with two accounts open. You'll see for accumulation as well as that it's called a TTR pension account. Essentially, with the current scenario and I'll go back and just rerun the numbers for you just to make sure, and I'll update this document to reflect. But just so you can sort of see what we had worked on, we were expecting to be able to transfer about a 110,000 out of your super and into the into the TTR pension account, and that would leave about $287,046 in the accumulation side. We would then gonna be able to start drawing down $990 per year or essentially per fortnight. It works out to be $380.76. That would come out of the pension account into your bank account, and it's tax free. So unlike your income, when you receive that from your employer, they deduct income tax. Because you're over 60, that $3.80 and 76¢ per fortnight drawn out of the TCR pension account is completely tax free. So it actually means you have to pay income tax on that amount, which is kind of nice. At at the moment, you are already got employer contributions going in, and I'll just go back and double check those. But you're also salary sacrificing about $300 per fortnight. Are you still salary sacrificing that? And are you still planning to keep that salary sacrifice at the same level moving forward? Yeah. Yeah. Yeah. We can absolutely do that. That's not a problem at all. We can make sure to reflect that. So we'll just go back and redig the numbers to see if there needs to be a change to the strategy. But with based on the 85,000, with your current employer contributions and the salary sacrifice going in, we were then able to increase your contribution to a total of 22,300. That's employer contribution, salary sacrifice, and then increasing your employer contributions or your salary sacrifice. So the increasing it to $857.69 on a fortnightly basis. So it means that your employer increases your salary sacrifice into your super by $857.69. That's how much comes out of your out of your income into super, and then we replenish that by drawing out $380.76 per fortnight. So because salary sacrifice is pretax, we don't have to draw down as much as what we're putting in. We actually draw down less than what we're putting in, and it actually replaces your income and gives you the same take home pay, which is really kind of cool. If you go down to page 26 for me, I can show you the table that essentially breaks down the math to make it a little bit easier. Yeah. So looking at the third table down, it's got the income tax calculation, and it's got your salary starting point at 85,000 per annum. Can you see that? Yeah. So the current shows that when you start with $85,000 on a yearly basis as gross income, You're currently salary sacrificing 7,800 into the fund. You also got your employer contributions going in as well. That essentially gives you taxable income. The 85,000 minus the 780 gives you 77,200. That's your taxable income after salary sacrifice. Then you pay income tax on that at $15,224 for the year, and then that leaves you with a net take home pay of $61,009.76. So with the proposed strategy of increasing your contributions in, so your total employer plus salary sacrifice increases to 22,300 for the year, and then your take home pay goes from 85,000 to $62,700, and your income tax reduces. So because that salary sacrifice is pretax, it actually reduces your tax from 15,000 to only 10,525. Do you pay less income tax, which is kinda cool? Give give the ATO less money. Yeah. So the 85,000 minus the increase in salary sacrifice of 22,300 leaves you with $62,700 taxable income, then your income tax is deducted, so it goes down to 10,525, and that leaves you with a net take home pay of $52,175. Then because we've increased your salary sacrifice and it's reduced your take home pay, we need to replenish that, and that's where that TTR pension account comes into play. By withdrawing only 9,900 on a yearly basis, it actually brings your net take home pay back to 62,075. So it's actually just a little bit more than what your current take home pay is based on that income, but it's essentially replenishing your income, increasing your contributions in, and reducing your take home pay whilst keeping your income, your take home pay basically the same. Does that make sense? Yes. It's pretty cool. Yeah. Yes. Yeah. That's okay. Look. Let's work it on your base. Yeah. Yeah. Let's work it on your base because I think the biggest thing is when we work on, say, a higher income including overtime and things like that, there is that risk that, you know, your overtime may drop off, which means that we're replenishing a take home pay, which you might not actually make. And that means if you don't make the higher income, we're replenishing a higher net take home pay. If without that, it overtime, it might make your take home pay a lot less. So it is best to work it out on the base income only of 65,500. That way, we can, you know, justify and check that over. We do check this with you on a yearly basis and refresh the strategy as we need to, and then we'll just make sure your contributions are not kind of eating into anything that we, you know, have catch up contributions and things like that. We could even just, you know, double check the last couple of years of contributions just to make sure you have extra cap space in case you go over. I do believe so the last couple of years so you have made quite a lot in contributions there. So the last yeah. That's okay. That's okay. Would it be even possible if you were able to maybe just shoot me through one of your payslips just so I can sort of see what your base is, what you're averaging on a weekly basis or fortnightly basis, and also what is maybe coming out of this out of your income just so we can kind of use that as a base to to build to double check the strategy for you. Would that be okay? That's okay. Yeah. Yep. All these things are coming up. Oh. Oh, that's bizarre. That is bizarre. Yeah. That's okay. You can take, yeah, I've just yeah. That's okay. That's okay. I'm sending the email to you now. Just asking if you can get the payslip. It doesn't have to be the exact if you wanna take a photo and attach the photo, that's absolutely fine just so we can kinda see what the payslip looks like. Or if it's emailed to you and you wanna forward me the email, this has got my email address there as well. So however it works easier for you. Yeah. Yep. Yep. I'm yeah. And I'm just also attaching it here. So I'm sending you another email now with the request just so you've got my email there. So I've just sent that through to you there, Julie. So it should arrive any moment for you. And then you've got my email, so you can contact me anytime you need. Okay? That's okay. The only other thing I kinda wanted to go through with you is we did talk about the estate planning side of the thing. So because we are opening up a secondary account, we do like to make sure that we have beneficiaries updated, and we do have to have a secondary beneficiary nomination applied. So when we open up that TTR pension account, we'll have the beneficiary nomination applied for you. One of the things when you spoke to Kyle, you may have mentioned you just wanted everything paid to your your partner in the event that something happens. They're all paid to Christopher to make sure he can live and enjoy. Yep. Absolutely. So we'll just make sure that the beneficiary nomination is applied there. It I recommend it as a binding or matching nomination, so you only have to fill out that nomination once. We'll nominate it to Chris. So in the event that something happens, everything is paid to him nice and easily. And then just reiterating with you, obviously, with the insurances you have with Neos, we do receive ongoing remuneration from them. It is 22% of the premiums that you that are paid out of super. That's not paid by you in any way. It's paid by Neos to us, and we just disclosed that in the document for you. And then yourself, you do pay us an ongoing service fee, which is 1.10% of the total balance, we will just prorated that across the two accounts so that it just continues coming out of the two accounts, but it's prorated across. Does that make sense? Beautiful. Excellent. Yeah. Perfect. So feel free to run your eyes over this document here. Don't sign this one. Just sort of you keep it there just to, you know, keep you give you a bit of reading material if you wanted to have a bit of a read through it all. I'll just go back and update the numbers there for you, and then we'll get that resent to you. And then I can just give you a bit of a quick call just to rerun through the numbers and see if there's any major changes. If I find I don't need to change anything, then I'll just let you know to sign that document. Is that okay? Yes. Beautiful. Beautiful. But, yeah, if I do need to make any changes, I'll make sure a new one is sent through to you with the update, and then I'll give you a call. We'll run through those together. That way, we can clarify some things. And in the meantime, if you find any questions come out of that, just note them down for yourself, and when we speak next, we can go through them together. Does that sound okay, Julie? Beautiful. Has excellent. Has any questions come out of it so far? Is there anything else that you think of that you might wanna ask? Or Yeah. That's okay. That's alright. Yeah. Not a problem. Mhmm. Yeah. Dana. Yep. Yep. It should at the top of the sender, it should be dana@ocfinancials. You should be right to just reply or just copy the email address. It should also have it under my photo there for you as well with my contact information. Yep. Yeah. Yep. Yeah. That'll come through to me. I'll confirm that I've got it for you, and then I'll just get the team to the the Paris to go back. We'll just double check the numbers together. If there's no changes, I'll let you know we're all good. And then if there is, we'll just get the new document updated and sent through to you. Okay? That's okay. That's not a problem. All good. Yeah. Thank you, Jill. You're right. If you get stuck, let us know. Give us a call. One of my team can certainly give you a hand. It's not an issue at all. But, yeah, honestly, tell your mom sorry for taking up all your time, and I hope you have a great day. That's not a problem. Thank you for taking my call. I hope you have an amazing day. Thanks, Julie. Talk soon. See you later. 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Julie. It's Dana again from Okie Financial. Can you hear me? I'm so sorry. No.\n\nIt was so bizarre. When the email sent to you, then the phone hung up, and I couldn't work out why. Like, our phone's an Internet based system, but it kinda sent you the email, and then we lost contact. And then I tried when you call back again, you were transferred through, and I couldn't hear anything. And I was like, okay.\n\nThe IT guys need to fix this, so I'm gonna call off my phone, and we'll go sit in an office somewhere. Sorry about that. Fantastic. Okay. It might be a little bit small.\n\nThat's alright. It there's a live yes. So there's a button that says sign here, and it takes you to the signing prompts. But what I sort of wanted you to do before you sign it is just to press that button so it takes you through. So you could just sort of scroll up and down through the document.\n\nIs it letting you do that? Yep. Perfect. Perfect. So what we'll do is we'll go through that really quickly.\n\nOn the very last page where the signing section is, you'll see the little areas that has your name pre filled in there, but it's not officially signed as of yet. You just need to click on the document when you're comfortable to proceed with the advice. Okay? Yes. Oh oh, yeah.\n\nYeah. That's okay. I will help you. Don't worry. That's alright.\n\nI'll take you through a bit by bit. Essentially, if you do have any questions as we are going through, let me know. But as you spoke to my colleague Kyle a few months ago, and he was looking to do that transfer your time strategy for you. Kyle has unfortunately left the company. He's gone on to some greener parts.\n\nHe just wanted to look at some trying out some other advice as an adviser. So I've taken over your file, put this together, and I've had a really good look at, you know, your super and made a few other recommendations for you as well. Okay? That's okay. Now on the front page, there are notes this document has been prepared for yourself.\n\nJulie Fenwick, as of the 07/13/2026, now our advice is valid for thirty days from the date on the document there. That's, like, sixty days from the date on the document. Underneath there, we've also got my authorized representative number. So as a full licensed adviser, I am registered through ASIC, and my registration number is 1304394. Okay?\n\nThe next page outlines the best interest, Judy. So it is important to note that we go through the process we do with providing advice because we are looking at your, you know, advice this is your super. This is your retirement. So we wanna make sure we take very good care of that, and any advice we do provide, those need to be provided in best interest as per the corporations act, making sure that we're here to meet your goals and that the advice is reviewed and updated as it needs to be as we work towards your goals and your retirement. Alright?\n\nExcellent. The next couple of pages outline the areas that we are scoping in and out. So you wanted to look at superannuation. You were hoping to ideally retire by the age of 67, income to be drawn down in retirement. Expect it to be about $800 per week to maintain your current lifestyle.\n\nYou wanted to explore additional strategies to help and grow your super in terms of investments and contribution strategies to help get you the best retirement outcome possible. With the beneficiaries, because we are looking at you, super, we do scoping the beneficiary side of things. When we are looking at transition or retirement strategies, we also need to make sure your beneficiaries are updated for each individual account. So I've also scoped in a state planning in the beneficiary side of things there for you. The scoping the limited scoping is more in in reference to areas that we're not making new recommendations around, but we are keeping sort of so dim because it has an effect on on the other recommendations.\n\nSo, essentially, this is in relation to insurances. So you do have some insurances, some life and TBD, which is essentially paid out of your super. So whilst you kind of made mention to Kyle you were happy with the level of cover you had, didn't really wanna get any more cover or alter that. Because it is paid out of super, we do keep that it's on a limited scope scoped into the advice because it has an effect on your retirement. The premiums are still coming out of your super.\n\nWe need to understand that, and that is reflected into the projection table for you. Does that make sense? Beautiful. Areas that we're not looking at any additional advice on the next page is so budget and savings. We've also got your debt, so debt management there as well, so things like your mortgage.\n\nAnd then, obviously, income protection and trauma, you don't have any of those. You didn't really wanna get any new cover at the moment. We're sort of going towards the light at the end of the tunnel there with that. You know, you're getting closer to to retirement, so we wanna focus on getting your super as high as possible. So we weren't looking at any additional insurances.\n\nIs there anything that might have changed? Is that all still okay, appropriate? Okay. Okay. Yep.\n\nYeah. Yeah. Okay. Your income we had noted down when you spoke to Kyle last time was about 85,000 per annum. Do you still feel like that's pretty close to what you'd be earning?\n\nNot sure. Right. Yeah. Okay. Because the main thing with, like, the your time strategy is that it does sort of draw off your income.\n\nObviously, if your income's a bit lower, it does mean what you draw down tends to top up your income a little bit more, which may may mean you end up with a bit more income. But I probably just wanna double check maybe a payslip or two to find out what your base rate is just to make sure this strategy is going to work for you. We don't wanna end up, you know, recommending too many more contributions in if you can't afford to do that and or, you know, upsetting your income too much. Do you yeah. Do you know what your total income was last financial year?\n\nOkay. Was it overtime? Yeah. Yeah. So you said 90 four?\n\nOkay. Oh, no. Okay. Yeah. That's okay.\n\nAbsolutely. No. Yeah. No. That's okay.\n\nYeah. No. That's okay. Well, what I would probably look at doing is just updating the the TTR strategy to maybe reflect changes to your income, and we maybe just do that off the 65,500. So we work off your base salary.\n\nThat essentially means that anything more that you earn on top of that is only gonna be a benefit to you, but it all it just also means that we don't have to you know, if you don't get any overtime, it's not gonna negatively impact you in any way. So yeah. So what I can do, if you like, is I'll take you through the advice. I'll show you what it looks like now. And then if you want, I can just go back.\n\nSo you're with no way over time, your base salary is 65,500 per annum. Is that right? Yes. Beautiful. So what I'll do is after the call, I don't sign it.\n\nWhat I'll do is I'll just go back to the team. We'll just redig the numbers a bit for that TTR strategy. And then when I've got that ready, I'll email it back to you, and I'll just give you a bit of a call So just say, hey. This is the new strategy with the numbers. We'll go through that together, and then you can let me know what you wanna do.\n\nBut the first part of this is still appropriate. So I'll still take you through what we've got here just to kinda clarify. The other thing I had down here, if you scroll down to page number nine for me, we only had just your assets and liabilities noted down as per your last conversation with Kyle there. Can you just run through those to double check if that's still still fairly close accurate? Are there any changes that you'd like me to make to those numbers for you?\n\nOh, no. You're right. Yep. Yeah. Oh, no.\n\nYou're fine. Yeah. That's alright. Just let yeah. Just apologize for me, Faye.\n\nI'm so sorry. I took up all your precious time. Yep. That's the one. Yeah.\n\nYeah. So this I'm checking those. Are there any major changes that you'd like to have updated? Yep. So pretty accurate.\n\nYep. Fantastic. Excellent. Now the other thing is if you're going down to page number 11 there, you've got your risk profile. So when you and Kyle spoke to did your annual review, you are in a more of a balanced growth environment.\n\nSo when you consider risk out of a number between one and five, five being the highest level of risk, one being the lowest, you're sort of sitting at that two, two and a half to three mark. So in that middle range there, a balanced growth environment is looking to still get some growth out of your super, but you are kind of in that closest sort of retirement era where you are transitioning down and wanting to reduce your risk. So this sort of environment sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other generally 30% in lower risk defensive investments like cash, bonds, and fixed interest. This sort of portfolio does suit someone who is, you know, looking to access their super in essentially the next five years, so it does suit your time horizon. You can be in this sort of area with a longer with a lesser time horizon, but it's more about just reducing your risk level, you know, gradually as you get closer to retiring.\n\nBut we still wanna have some of those growth assets within all the portfolios even in retirement because we still wanna get longevity. Most of the people I talk to say, look, I'm getting to 67. I don't wanna take any risk anymore, but then you kinda have to think about most people in retirement spend ten, twenty, thirty, even forty years. It's a whole another lifetime in retirement. So, you know, it's about that still longevity.\n\nYou still wanna make your super last as long as possible. So does that kind of balanced growth area still suit where you're at, do you think? That's okay. You're absolutely fine. It's not honestly with yeah.\n\nYou're right. Yeah. That's okay. The I think the beauty between this sort of portfolio is that you don't have a lot of risk. You know?\n\nYou sort of, as I said, out of one to five, you're about sort of two and a half to three. So you're very much on the lower scale. And the beauty of doing that TTR strategy, the transition retirement is that you're able to increase your contributions in the super by way of salary sacrifice, but also take some money out. And because the money that's put in the super is done by way of salary sacrifice, it's a pretax deduction. So that sort of strategy means more money goes into super.\n\nYou don't have to take as much out to to replenish your income, and you actually can reduce your taxable income a little bit as well. So it provides you that kind of benefit of being able to increase your contributions in without having to take on more risk and make that compounding work a little bit harder towards your retirement. So it is a beautiful strategy. It's a shame you have to be 60 to do it, but it's one of the cool things about turning 60 that I like to point out to everybody. What I'll do is I will just take you through the changes to the super to start with if you like, and then I'll show you the TTR strategy.\n\nThe numbers will probably change a little bit, but I'll still take you through what we had set up just to kind of explain it to you. Just with your super, when I kinda went back and reviewed the portfolio as a whole, now you had sort of mentioned, Carl, you were happy with how Hub twenty four was performing. Hub twenty four is a great super fund, and there is no need to change Hub twenty four. However, within the super fund, there have been some changes to the portfolio that I did wanna make as well. So, essentially, with your portfolio at the moment, you'll see the heading on there is recommended investment superannuation.\n\nIs that the page you can see? I think it says number 19 on the bottom. Yeah. You're right. Nineteen.\n\nYeah. Yeah. So this is why I sort of, like, well, let's have a look at it together. So on this side here, you've got your hub twenty four speaker fund, and you've got all the different investments that you do currently hold in your fund there. So at the moment, you've got some beta shares staying high interest cash.\n\nThis is like high interest cash account, and, essentially, you hold about 8.73% there. We wanna actually hold about 10%, so we're gonna buy a little bit more of that, about 5,000 so you increase your exposure into that defensive environment. With the bank hybrids, the one underneath that, that's more of a complex in a complex investment. So bank hybrids are very much like bonds where money is given to the banks. It is invested in their side of things or lend it out to people with mortgages, and then they give you an income payment.\n\nBut bank hybrids as a complex investment are also traded like shares. These sorts of investments, since they are so complex, are actually gonna be phased out by the government over the next few years. So whilst we are making some changes to your super, we may as well fit you out of those now rather than holding off until we have to at the last minute. It's best to make the changes whilst we are making larger changes to your sleepers. So we are gonna sell all those investments down, the bank hybrids down to zero.\n\nYou do have some global agriculture in there. Not at all a bad investment. You have about 2.88% at the moment, so your exposure is a little bit low. We wanna buy some more of that and bring you up to about 5%. So you'll have about 5% of your total portfolio there, and global agriculture is good.\n\nIt is giving you exposure to global agriculture companies, so it is diversifying across the entire globe, which is what you want to help reduce overall risk. Physical gold, which has done really, really nicely and has done very well in your portfolio, but you are a little bit overexposed at the moment, so we only wanna hold about 10% physical gold. Physical gold does see growth, which is fantastic, but it doesn't provide any income. So to take advantage of physical gold, we do have to be able to sell it off every so often, rebalance it back, and that cements the gains that you've received, and then we redistribute those gains across other areas of your portfolio. One of the sort of risks with having these growth asset is that some of these growth assets perform better than others.\n\nSo when you might have been said in the original recommendation, hold 10% physical goal. Because that growth has been so fantastic, it's gone up to 14% of your portfolio. That does increase your risk level a little bit, so it is always good to sell some of that off. You submit the gains that you've received, and then we can redistribute those gains across other investments to continue growing and compounding. Does that make sense?\n\nYep. Well, please let me know if it doesn't. And if you need to ask more questions, you're more than welcome to. Okay? All good.\n\nSo we are gonna sell a little bit of a physical goal, bring you back to 10% total. The iShares S and P 500 is giving you access and exposure to the top 500 companies in The US. You have a little bit more of that at the moment, so 25.10%. We're gonna sell some of that off and bring you back to 20% there just to rebalance the portfolio out. You've got the beta shares Raffi a 200 in there as well.\n\nThat by no means has been a bad investment. You've got about 12% there. So we wanna just reduce the exposure back to 10% to selling a bit over 9,000 there for you. Then you've got the Vanguard diversified index fund. This one here, we wanna hold about 10% of your portfolio.\n\nIt's a little bit underweighted at the moment. This diversified index fund is is supposed to give you some more access to defensive assets, so we wanna increase that exposure a little bit to 10%, so that means buying a bit more of that. And the Benelon Australian Equities, we're gonna sell all of that investment off. I'm not sure if Kyle explained when he spoke to you last time, but that investment has now been underperforming quite significantly in most portfolios. So we have looked at that with the investment committee, and they've decided it's no longer a valuable investment to have within the portfolios.\n\nThe idea of Bennelong is that they're an active investment manager, so they're supposed to be buying and selling, and trying to outperform against the market, but they have not been able to do so. So we are looking to remove that from the portfolio. And to make sure you keep your Australian equity exposure, so, exposure into the Australian stock market. At the bottom, you've got the beta shares a 200. We're gonna buy 10% of that, so you hold that exposure.\n\nBy removing Benelong and having the a 200, you're actually increasing your diversification and helping to lower the risk of your portfolio. Because the Banalong Australian Equities, they only ever held between 15 to 25 different investments within that portfolio. The a 200 gives you exposure and tracks the top 200 companies on the ASX. So it is giving you a wider range of exposure and more diversification, which helps to lower the risk level there. So we wanna hold 10%, and so we'll sell off that along and buy into the a 200 there for you.\n\nOkay? And then the ClearBridge infrastructure fund, so this is more of an alternative investment giving you access to infrastructure across the essentially, across the globe is giving you diversification across different countries And also core composite bonds. So bonds are replacing the bank hybrid investment. Bonds, this is giving you access to government as well as corporate bonds. And with bonds, you're essentially investing the money into the companies.\n\nThe companies are then using that money to help build and grow and, you know, whatever they do on the inside of things. And because you're locking that money away in the investment, they're giving you income payments every month or every couple of months. That income gets paid back into your cash account in your super fund, and then it is reinvested across the other ports of other parts of your portfolio. That helps the compounding effect of your portfolio. So we do wanna hold about 15% in bonds, and we wanna hold about 10% in infrastructure as well.\n\nSo we will be buying both of those just to increase your exposure and make sure you've got those defensive investments as well. Okay? All good. That is a lot. I completely get it.\n\nI try to try to go through those as easy as possible, but also making sure to give you a little bit of context because otherwise, they're like, here's what you've got. Here's what we're moving. Here's what we're gonna put in there. So just to give you a little bit of context on what each of the investments are, what they're good for, what we're going to do with the portfolio, essentially, and why we're selling some of these investments as well because, you know, sometimes you look at it and go, well, why are you selling all of that down? It hasn't done too badly.\n\nIt actually, unfortunately, been along hasn't been great, and we do wanna get rid of all of that investment. And bank bank hybrids, because the government are gonna phase those out down the track, whilst we're making changes to your portfolio now, we may as well sell those down and replace them now. That way your portfolio has time to recover and rebuild and grow rather than making these changes now. And then in two years when they actually have them removed, we have to go back and find something quickly for you. So it's just about trying to make all the changes in a more appropriate manner for you.\n\nOkay? Excellent. Oh, good. In your cash account within the super fund, your cash is a little bit high. We only need to hold about 1.25 in cash.\n\nAt the moment, you've got a bit over 2% there, so it does mean we're going to buy some of the investments. A bit over 4 thousand needs to be invested, so we'll make sure that happens for you as well. Okay? If you can scroll down for me to page number 22, this is kind of giving you the projected outcome and why we're looking to make those changes. Yes.\n\nThis is the fee comparison table, and the first column outlines your current superannuation balance, the fees that you've got in there. So super funds, they do have admin fees, investment fees. You've got the ongoing service fee for having us update the advice and look after everything in the back end. And then you've got your contributions, which is your employer contributions as well as your salary sacrifice you're currently making into the fund as well there. So and then your insurance premiums, which are currently coming out of your super there as well.\n\nYou're in that balanced growth environment at the moment, and when we look at the current portfolio and how it has performed over the past five years, it averaged about 8.33%, which is by no means a bad investment for performance at all, but you're closer to retiring. So we wanna make sure it's working as hard as possible. So when we make these changes by those buyers and sellers that we went through before, your super fund, just like you, does a tax return every year. So we know by doing the research that the super fund will account for capital gains of $950 by making those changes. So by buying and selling the different investments, the super fund will pay about $950 in CGT for doing that.\n\nOkay? Yeah. After that occurs, your expected balance within the fund is about $396,096. You'll still have administration fees because the balance is slightly lower. It does save you about $2 for the year in admin fees.\n\nThe investment fees are the biggest part. So the newer portfolio as a whole actually has cheaper investment fees, and it's expected to save you $402 for the first year in investment fees, which is a pretty decent saving. That's more money left in your super working harder for you. Then we've also got the ongoing service fee. Now this is showing a difference of $5 for the year.\n\nThat is because we factor in growth and the additional growth that we should see out of the new portfolio for the first year there for you as well. Okay? Contributions remain the same, and your insurance premiums don't change because we're not making any changes to those. But with that new balance growth portfolio, we're keeping the same level of exposure. But with the investments we're putting in there, it has actually seen a much greater return.\n\nSo it's about point 69% more that it's averaged over the past five years. And if you sort of take those two returns and average them out over the next five to six years on the next page, you can sort of see that it does put you in a greater position. It's about making sure that super is working as hard as possible for you. So if the new portfolio with the saving and fees is able to make that return, you can sort of see where you could be projected to be over the next year, essentially. Yeah.\n\nBeautiful. Next part is the the TTR account. So, essentially, with a a transition or a time strategy, what we're essentially doing is we're opening up a second pension account, and it's called a transition to retirement pension account. Unlike a normal full account based pension, there are limitations around how much you can access. They don't allow you to access more than 10% of the total transferred balance, and we do have to keep your accumulation account open as well so your contributions can keep going in.\n\nSo you'll end up with two accounts open. You'll see for accumulation as well as that it's called a TTR pension account. Essentially, with the current scenario and I'll go back and just rerun the numbers for you just to make sure, and I'll update this document to reflect. But just so you can sort of see what we had worked on, we were expecting to be able to transfer about a 110,000 out of your super and into the into the TTR pension account, and that would leave about $287,046 in the accumulation side. We would then gonna be able to start drawing down $990 per year or essentially per fortnight.\n\nIt works out to be $380.76. That would come out of the pension account into your bank account, and it's tax free. So unlike your income, when you receive that from your employer, they deduct income tax. Because you're over 60, that $3.80 and 76¢ per fortnight drawn out of the TCR pension account is completely tax free. So it actually means you have to pay income tax on that amount, which is kind of nice.\n\nAt at the moment, you are already got employer contributions going in, and I'll just go back and double check those. But you're also salary sacrificing about $300 per fortnight. Are you still salary sacrificing that? And are you still planning to keep that salary sacrifice at the same level moving forward? Yeah.\n\nYeah. Yeah. We can absolutely do that. That's not a problem at all. We can make sure to reflect that.\n\nSo we'll just go back and redig the numbers to see if there needs to be a change to the strategy. But with based on the 85,000, with your current employer contributions and the salary sacrifice going in, we were then able to increase your contribution to a total of 22,300. That's employer contribution, salary sacrifice, and then increasing your employer contributions or your salary sacrifice. So the increasing it to $857.69 on a fortnightly basis. So it means that your employer increases your salary sacrifice into your super by $857.69.\n\nThat's how much comes out of your out of your income into super, and then we replenish that by drawing out $380.76 per fortnight. So because salary sacrifice is pretax, we don't have to draw down as much as what we're putting in. We actually draw down less than what we're putting in, and it actually replaces your income and gives you the same take home pay, which is really kind of cool. If you go down to page 26 for me, I can show you the table that essentially breaks down the math to make it a little bit easier. Yeah.\n\nSo looking at the third table down, it's got the income tax calculation, and it's got your salary starting point at 85,000 per annum. Can you see that? Yeah. So the current shows that when you start with $85,000 on a yearly basis as gross income, You're currently salary sacrificing 7,800 into the fund. You also got your employer contributions going in as well.\n\nThat essentially gives you taxable income. The 85,000 minus the 780 gives you 77,200. That's your taxable income after salary sacrifice. Then you pay income tax on that at $15,224 for the year, and then that leaves you with a net take home pay of $61,009.76. So with the proposed strategy of increasing your contributions in, so your total employer plus salary sacrifice increases to 22,300 for the year, and then your take home pay goes from 85,000 to $62,700, and your income tax reduces.\n\nSo because that salary sacrifice is pretax, it actually reduces your tax from 15,000 to only 10,525. Do you pay less income tax, which is kinda cool? Give give the ATO less money. Yeah. So the 85,000 minus the increase in salary sacrifice of 22,300 leaves you with $62,700 taxable income, then your income tax is deducted, so it goes down to 10,525, and that leaves you with a net take home pay of $52,175.\n\nThen because we've increased your salary sacrifice and it's reduced your take home pay, we need to replenish that, and that's where that TTR pension account comes into play. By withdrawing only 9,900 on a yearly basis, it actually brings your net take home pay back to 62,075. So it's actually just a little bit more than what your current take home pay is based on that income, but it's essentially replenishing your income, increasing your contributions in, and reducing your take home pay whilst keeping your income, your take home pay basically the same. Does that make sense? Yes.\n\nIt's pretty cool. Yeah. Yes. Yeah. That's okay.\n\nLook. Let's work it on your base. Yeah. Yeah. Let's work it on your base because I think the biggest thing is when we work on, say, a higher income including overtime and things like that, there is that risk that, you know, your overtime may drop off, which means that we're replenishing a take home pay, which you might not actually make.\n\nAnd that means if you don't make the higher income, we're replenishing a higher net take home pay. If without that, it overtime, it might make your take home pay a lot less. So it is best to work it out on the base income only of 65,500. That way, we can, you know, justify and check that over. We do check this with you on a yearly basis and refresh the strategy as we need to, and then we'll just make sure your contributions are not kind of eating into anything that we, you know, have catch up contributions and things like that.\n\nWe could even just, you know, double check the last couple of years of contributions just to make sure you have extra cap space in case you go over. I do believe so the last couple of years so you have made quite a lot in contributions there. So the last yeah. That's okay. That's okay.\n\nWould it be even possible if you were able to maybe just shoot me through one of your payslips just so I can sort of see what your base is, what you're averaging on a weekly basis or fortnightly basis, and also what is maybe coming out of this out of your income just so we can kind of use that as a base to to build to double check the strategy for you. Would that be okay? That's okay. Yeah. Yep.\n\nAll these things are coming up. Oh. Oh, that's bizarre. That is bizarre. Yeah.\n\nThat's okay. You can take, yeah, I've just yeah. That's okay. That's okay. I'm sending the email to you now.\n\nJust asking if you can get the payslip. It doesn't have to be the exact if you wanna take a photo and attach the photo, that's absolutely fine just so we can kinda see what the payslip looks like. Or if it's emailed to you and you wanna forward me the email, this has got my email address there as well. So however it works easier for you. Yeah.\n\nYep. Yep. I'm yeah. And I'm just also attaching it here. So I'm sending you another email now with the request just so you've got my email there.\n\nSo I've just sent that through to you there, Julie. So it should arrive any moment for you. And then you've got my email, so you can contact me anytime you need. Okay? That's okay.\n\nThe only other thing I kinda wanted to go through with you is we did talk about the estate planning side of the thing. So because we are opening up a secondary account, we do like to make sure that we have beneficiaries updated, and we do have to have a secondary beneficiary nomination applied. So when we open up that TTR pension account, we'll have the beneficiary nomination applied for you. One of the things when you spoke to Kyle, you may have mentioned you just wanted everything paid to your your partner in the event that something happens. They're all paid to Christopher to make sure he can live and enjoy.\n\nYep. Absolutely. So we'll just make sure that the beneficiary nomination is applied there. It I recommend it as a binding or matching nomination, so you only have to fill out that nomination once. We'll nominate it to Chris.\n\nSo in the event that something happens, everything is paid to him nice and easily. And then just reiterating with you, obviously, with the insurances you have with Neos, we do receive ongoing remuneration from them. It is 22% of the premiums that you that are paid out of super. That's not paid by you in any way. It's paid by Neos to us, and we just disclosed that in the document for you.\n\nAnd then yourself, you do pay us an ongoing service fee, which is 1.10% of the total balance, we will just prorated that across the two accounts so that it just continues coming out of the two accounts, but it's prorated across. Does that make sense? Beautiful. Excellent. Yeah.\n\nPerfect. So feel free to run your eyes over this document here. Don't sign this one. Just sort of you keep it there just to, you know, keep you give you a bit of reading material if you wanted to have a bit of a read through it all. I'll just go back and update the numbers there for you, and then we'll get that resent to you.\n\nAnd then I can just give you a bit of a quick call just to rerun through the numbers and see if there's any major changes. If I find I don't need to change anything, then I'll just let you know to sign that document. Is that okay? Yes. Beautiful.\n\nBeautiful. But, yeah, if I do need to make any changes, I'll make sure a new one is sent through to you with the update, and then I'll give you a call. We'll run through those together. That way, we can clarify some things. And in the meantime, if you find any questions come out of that, just note them down for yourself, and when we speak next, we can go through them together.\n\nDoes that sound okay, Julie? Beautiful. Has excellent. Has any questions come out of it so far? Is there anything else that you think of that you might wanna ask?\n\nOr Yeah. That's okay. That's alright. Yeah. Not a problem.\n\nMhmm. Yeah. Dana. Yep. Yep.\n\nIt should at the top of the sender, it should be dana@ocfinancials. You should be right to just reply or just copy the email address. It should also have it under my photo there for you as well with my contact information. Yep. Yeah.\n\nYep. Yeah. That'll come through to me. I'll confirm that I've got it for you, and then I'll just get the team to the the Paris to go back. We'll just double check the numbers together.\n\nIf there's no changes, I'll let you know we're all good. And then if there is, we'll just get the new document updated and sent through to you. Okay? That's okay. That's not a problem.\n\nAll good. Yeah. Thank you, Jill. You're right. If you get stuck, let us know.\n\nGive us a call. One of my team can certainly give you a hand. It's not an issue at all. But, yeah, honestly, tell your mom sorry for taking up all your time, and I hope you have a great day. That's not a problem.\n\nThank you for taking my call. I hope you have an amazing day. Thanks, Julie. Talk soon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Julie.","start":1.76,"end":2.32,"sentiment":"neutral","sentiment_score":0.044782478362321854},{"text":"It's Dana again from Okie Financial.","start":2.32,"end":4.18,"sentiment":"neutral","sentiment_score":0.0698170227309068},{"text":"Can you hear me?","start":4.48,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.01834629289805889},{"text":"I'm so sorry.","start":5.2799997,"end":6.18,"sentiment":"neutral","sentiment_score":-0.16561400890350342},{"text":"No.","start":13.135,"end":13.535,"sentiment":"neutral","sentiment_score":-0.26814889907836914}],"sentiment":"neutral","sentiment_score":-0.011446166317909954,"num_words":16,"start":1.76,"end":13.535},{"sentences":[{"text":"It was so bizarre.","start":13.535,"end":14.655001,"sentiment":"negative","sentiment_score":-0.3962339982390404},{"text":"When the email sent to you, then the phone hung up, and I couldn't work out why.","start":14.655001,"end":20.575,"sentiment":"negative","sentiment_score":-0.3893654662020066},{"text":"Like, our phone's an Internet based system, but it kinda sent you the email, and then we lost contact.","start":20.575,"end":27.13,"sentiment":"neutral","sentiment_score":-0.3332154797880273},{"text":"And then I tried when you call back again, you were transferred through, and I couldn't hear anything.","start":27.13,"end":30.97,"sentiment":"negative","sentiment_score":-0.4089951432413525},{"text":"And I was like, okay.","start":30.97,"end":32.01,"sentiment":"negative","sentiment_score":-0.40572555661201476}],"sentiment":"negative","sentiment_score":-0.37977433961535256,"num_words":63,"start":13.535,"end":32.01},{"sentences":[{"text":"The IT guys need to fix this, so I'm gonna call off my phone, and we'll go sit in an office somewhere.","start":32.01,"end":37.87,"sentiment":"negative","sentiment_score":-0.4086822433905168},{"text":"Sorry about that.","start":38.17,"end":39.309998,"sentiment":"neutral","sentiment_score":-0.32891743381818134},{"text":"Fantastic.","start":47.465,"end":47.965,"sentiment":"positive","sentiment_score":0.5334762334823608},{"text":"Okay.","start":54.12,"end":54.62,"sentiment":"neutral","sentiment_score":0.03294173628091812},{"text":"It might be a little bit small.","start":54.760002,"end":56.28,"sentiment":"neutral","sentiment_score":-0.010363184713891574}],"sentiment":"neutral","sentiment_score":-0.27893782291999636,"num_words":34,"start":32.01,"end":56.28},{"sentences":[{"text":"That's alright.","start":56.28,"end":57.100002,"sentiment":"neutral","sentiment_score":0.12156151235103607},{"text":"It there's a live yes.","start":65.174995,"end":68.05499,"sentiment":"neutral","sentiment_score":0.056891411542892456},{"text":"So there's a button that says sign here, and it takes you to the signing prompts.","start":68.05499,"end":72.454994,"sentiment":"neutral","sentiment_score":0.057201300049200654},{"text":"But what I sort of wanted you to do before you sign it is just to press that button so it takes you through.","start":72.454994,"end":77.73499,"sentiment":"neutral","sentiment_score":0.019497380281488102},{"text":"So you could just sort of scroll up and down through the document.","start":77.73499,"end":80.53,"sentiment":"neutral","sentiment_score":0.0428489875048399}],"sentiment":"neutral","sentiment_score":0.041129580792039634,"num_words":60,"start":56.28,"end":80.53},{"sentences":[{"text":"Is it letting you do that?","start":80.53,"end":81.909996,"sentiment":"neutral","sentiment_score":0.039326902168492474},{"text":"Yep.","start":83.649994,"end":84.149994,"sentiment":"neutral","sentiment_score":0.11470173299312592},{"text":"Perfect.","start":84.28999,"end":84.78999,"sentiment":"positive","sentiment_score":0.4659710228443146},{"text":"Perfect.","start":85.009995,"end":85.49,"sentiment":"positive","sentiment_score":0.4411526918411255},{"text":"So what we'll do is we'll go through that really quickly.","start":85.49,"end":87.829994,"sentiment":"neutral","sentiment_score":0.23478005013682626}],"sentiment":"neutral","sentiment_score":0.19201837060973048,"num_words":20,"start":80.53,"end":87.829994},{"sentences":[{"text":"On the very last page where the signing section is, you'll see the little areas that has your name pre filled in there, but it's not officially signed as of yet.","start":88.369995,"end":96.695,"sentiment":"neutral","sentiment_score":0.04988589978987171},{"text":"You just need to click on the document when you're comfortable to proceed with the advice.","start":96.695,"end":100.455,"sentiment":"neutral","sentiment_score":0.05269377143122256},{"text":"Okay?","start":100.455,"end":100.955,"sentiment":"neutral","sentiment_score":0.05794892460107803},{"text":"Yes.","start":103.29,"end":103.79,"sentiment":"neutral","sentiment_score":0.09350214898586272},{"text":"Oh oh, yeah.","start":105.369995,"end":108.11,"sentiment":"neutral","sentiment_score":0.04311499930918217}],"sentiment":"neutral","sentiment_score":0.05135306361346291,"num_words":52,"start":88.369995,"end":108.11},{"sentences":[{"text":"Yeah.","start":109.85,"end":110.17,"sentiment":"neutral","sentiment_score":0.21322841942310333},{"text":"That's okay.","start":110.17,"end":110.81,"sentiment":"positive","sentiment_score":0.3558286875486374},{"text":"I will help you.","start":110.81,"end":111.689995,"sentiment":"positive","sentiment_score":0.42927542328834534},{"text":"Don't worry.","start":111.689995,"end":112.43,"sentiment":"neutral","sentiment_score":0.3094697892665863},{"text":"That's alright.","start":114.49,"end":115.369995,"sentiment":"neutral","sentiment_score":0.3299355059862137}],"sentiment":"positive","sentiment_score":0.3564361889253963,"num_words":11,"start":109.85,"end":115.369995},{"sentences":[{"text":"I'll take you through a bit by bit.","start":115.369995,"end":117.149994,"sentiment":"neutral","sentiment_score":0.20259816572070122},{"text":"Essentially, if you do have any questions as we are going through, let me know.","start":117.21,"end":120.635,"sentiment":"neutral","sentiment_score":0.11269671718279521},{"text":"But as you spoke to my colleague Kyle a few months ago, and he was looking to do that transfer your time strategy for you.","start":121.095,"end":127.515,"sentiment":"neutral","sentiment_score":0.04737000212073326},{"text":"Kyle has unfortunately left the company.","start":127.975,"end":130.055,"sentiment":"neutral","sentiment_score":-0.1731990153590838},{"text":"He's gone on to some greener parts.","start":130.055,"end":131.575,"sentiment":"neutral","sentiment_score":-0.15072498896292277}],"sentiment":"neutral","sentiment_score":0.039364215108703395,"num_words":61,"start":115.369995,"end":131.575},{"sentences":[{"text":"He just wanted to look at some trying out some other advice as an adviser.","start":131.575,"end":134.93999,"sentiment":"neutral","sentiment_score":-0.050737082958221436},{"text":"So I've taken over your file, put this together, and I've had a really good look at, you know, your super and made a few other recommendations for you as well.","start":135.56,"end":143.71999,"sentiment":"positive","sentiment_score":0.36902799144867926},{"text":"Okay?","start":143.71999,"end":144.21999,"sentiment":"neutral","sentiment_score":0.15244010090827942},{"text":"That's okay.","start":146.68501,"end":148.225,"sentiment":"neutral","sentiment_score":0.3286278545856476},{"text":"Now on the front page, there are notes this document has been prepared for yourself.","start":148.285,"end":152.04501,"sentiment":"neutral","sentiment_score":0.08280645186702411}],"sentiment":"neutral","sentiment_score":0.198915688728448,"num_words":64,"start":131.575,"end":152.04501},{"sentences":[{"text":"Julie Fenwick, as of the 07/13/2026, now our advice is valid for thirty days from the date on the document there.","start":152.04501,"end":159.005,"sentiment":"neutral","sentiment_score":0.07913651175442196},{"text":"That's, like, sixty days from the date on the document.","start":159.005,"end":161.26501,"sentiment":"neutral","sentiment_score":0.08145652636885643},{"text":"Underneath there, we've also got my authorized representative number.","start":162.27,"end":165.47,"sentiment":"neutral","sentiment_score":0.0725180274910397},{"text":"So as a full licensed adviser, I am registered through ASIC, and my registration number is 1304394.","start":165.47,"end":172.67,"sentiment":"neutral","sentiment_score":0.06732967320610495},{"text":"Okay?","start":172.67,"end":173.17,"sentiment":"neutral","sentiment_score":0.046016089618206024}],"sentiment":"neutral","sentiment_score":0.07447784124263401,"num_words":58,"start":152.04501,"end":173.17},{"sentences":[{"text":"The next page outlines the best interest, Judy.","start":175.175,"end":177.255,"sentiment":"neutral","sentiment_score":0.07254878059029579},{"text":"So it is important to note that we go through the process we do with providing advice because we are looking at your, you know, advice this is your super.","start":177.255,"end":184.215,"sentiment":"neutral","sentiment_score":-0.0007609351227680842},{"text":"This is your retirement.","start":184.215,"end":185.435,"sentiment":"neutral","sentiment_score":-0.014246553182601929},{"text":"So we wanna make sure we take very good care of that, and any advice we do provide, those need to be provided in best interest as per the corporations act, making sure that we're here to meet your goals and that the advice is reviewed and updated as it needs to be as we work towards your goals and your retirement.","start":185.495,"end":200.93999,"sentiment":"neutral","sentiment_score":0.11714512386148976},{"text":"Alright?","start":201.31999,"end":201.81999,"sentiment":"neutral","sentiment_score":0.08396653831005096}],"sentiment":"neutral","sentiment_score":0.07473847805744126,"num_words":105,"start":175.175,"end":201.81999},{"sentences":[{"text":"Excellent.","start":203.39499,"end":203.89499,"sentiment":"positive","sentiment_score":0.4577111601829529},{"text":"The next couple of pages outline the areas that we are scoping in and out.","start":204.275,"end":208.135,"sentiment":"neutral","sentiment_score":0.12313297241926194},{"text":"So you wanted to look at superannuation.","start":208.19499,"end":209.735,"sentiment":"neutral","sentiment_score":0.07296605621065412},{"text":"You were hoping to ideally retire by the age of 67, income to be drawn down in retirement.","start":210.11499,"end":215.89499,"sentiment":"neutral","sentiment_score":0.10189085433052646},{"text":"Expect it to be about $800 per week to maintain your current lifestyle.","start":216.23,"end":220.09,"sentiment":"neutral","sentiment_score":0.19104245992807242}],"sentiment":"neutral","sentiment_score":0.13209362031409033,"num_words":54,"start":203.39499,"end":220.09},{"sentences":[{"text":"You wanted to explore additional strategies to help and grow your super in terms of investments and contribution strategies to help get you the best retirement outcome possible.","start":220.87,"end":229.84999,"sentiment":"positive","sentiment_score":0.557881942817143},{"text":"With the beneficiaries, because we are looking at you, super, we do scoping the beneficiary side of things.","start":231.565,"end":236.125,"sentiment":"neutral","sentiment_score":0.15596687090065744},{"text":"When we are looking at transition or retirement strategies, we also need to make sure your beneficiaries are updated for each individual account.","start":236.125,"end":242.865,"sentiment":"neutral","sentiment_score":0.1787611433993215},{"text":"So I've also scoped in a state planning in the beneficiary side of things there for you.","start":242.99,"end":247.49,"sentiment":"neutral","sentiment_score":0.19729024434790893},{"text":"The scoping the limited scoping is more in in reference to areas that we're not making new recommendations around, but we are keeping sort of so dim because it has an effect on on the other recommendations.","start":249.39,"end":261.605,"sentiment":"neutral","sentiment_score":-0.17116059594460437}],"sentiment":"neutral","sentiment_score":0.15902923965236035,"num_words":123,"start":220.87,"end":261.605},{"sentences":[{"text":"So, essentially, this is in relation to insurances.","start":262.065,"end":264.805,"sentiment":"neutral","sentiment_score":-0.07941348617896438},{"text":"So you do have some insurances, some life and TBD, which is essentially paid out of your super.","start":264.945,"end":270.725,"sentiment":"neutral","sentiment_score":-0.05699824997120433},{"text":"So whilst you kind of made mention to Kyle you were happy with the level of cover you had, didn't really wanna get any more cover or alter that.","start":270.865,"end":278.45,"sentiment":"neutral","sentiment_score":-0.1038221154233505},{"text":"Because it is paid out of super, we do keep that it's on a limited scope scoped into the advice because it has an effect on your retirement.","start":278.83002,"end":286.93002,"sentiment":"neutral","sentiment_score":0.04133724740573338},{"text":"The premiums are still coming out of your super.","start":287.22498,"end":289.145,"sentiment":"neutral","sentiment_score":-0.0814520778755347}],"sentiment":"neutral","sentiment_score":-0.04617112510554169,"num_words":92,"start":262.065,"end":289.145},{"sentences":[{"text":"We need to understand that, and that is reflected into the projection table for you.","start":289.145,"end":293.54498,"sentiment":"neutral","sentiment_score":-0.014086237053076427},{"text":"Does that make sense?","start":293.54498,"end":294.60498,"sentiment":"neutral","sentiment_score":0.029155464842915535},{"text":"Beautiful.","start":296.66498,"end":297.16498,"sentiment":"positive","sentiment_score":0.3592449426651001},{"text":"Areas that we're not looking at any additional advice on the next page is so budget and savings.","start":298.025,"end":303.74,"sentiment":"neutral","sentiment_score":-0.15064620909591517},{"text":"We've also got your debt, so debt management there as well, so things like your mortgage.","start":303.8,"end":308.3,"sentiment":"neutral","sentiment_score":-0.11623333534225821}],"sentiment":"neutral","sentiment_score":-0.07975540524003683,"num_words":54,"start":289.145,"end":308.3},{"sentences":[{"text":"And then, obviously, income protection and trauma, you don't have any of those.","start":309.32,"end":312.6,"sentiment":"neutral","sentiment_score":-0.27054995183761305},{"text":"You didn't really wanna get any new cover at the moment.","start":312.6,"end":314.91998,"sentiment":"negative","sentiment_score":-0.4103162478316914},{"text":"We're sort of going towards the light at the end of the tunnel there with that.","start":314.91998,"end":318.45502,"sentiment":"neutral","sentiment_score":-0.1827015532180667},{"text":"You know, you're getting closer to to retirement, so we wanna focus on getting your super as high as possible.","start":318.595,"end":323.875,"sentiment":"neutral","sentiment_score":0.1498079661279917},{"text":"So we weren't looking at any additional insurances.","start":323.875,"end":326.055,"sentiment":"neutral","sentiment_score":-0.20974111557006836}],"sentiment":"neutral","sentiment_score":-0.14170033166951992,"num_words":68,"start":309.32,"end":326.055},{"sentences":[{"text":"Is there anything that might have changed?","start":327.155,"end":329.37003,"sentiment":"neutral","sentiment_score":-0.04266338050365448},{"text":"Is that all still okay, appropriate?","start":329.37003,"end":331.39,"sentiment":"neutral","sentiment_score":0.0603468157351017},{"text":"Okay.","start":339.61002,"end":340.11002,"sentiment":"neutral","sentiment_score":-0.1245524287223816},{"text":"Okay.","start":354.54,"end":355.04,"sentiment":"neutral","sentiment_score":-0.15670037269592285},{"text":"Yep.","start":360.6825,"end":361.1825,"sentiment":"neutral","sentiment_score":-0.2606353461742401}],"sentiment":"neutral","sentiment_score":-0.029903182294219732,"num_words":16,"start":327.155,"end":361.1825},{"sentences":[{"text":"Yeah.","start":376.265,"end":376.765,"sentiment":"neutral","sentiment_score":-0.0586683489382267},{"text":"Yeah.","start":384.68,"end":385.18,"sentiment":"neutral","sentiment_score":-0.03002624213695526},{"text":"Okay.","start":392.135,"end":392.635,"sentiment":"neutral","sentiment_score":0.04006165638566017},{"text":"Your income we had noted down when you spoke to Kyle last time was about 85,000 per annum.","start":392.77502,"end":397.975,"sentiment":"neutral","sentiment_score":0.07931640413072374},{"text":"Do you still feel like that's pretty close to what you'd be earning?","start":397.975,"end":400.875,"sentiment":"neutral","sentiment_score":0.034030575018662676}],"sentiment":"neutral","sentiment_score":0.05357234749723883,"num_words":34,"start":376.265,"end":400.875},{"sentences":[{"text":"Not sure.","start":403.19,"end":410.72998,"sentiment":"neutral","sentiment_score":-0.18020472675561905},{"text":"Right.","start":424.54498,"end":425.04498,"sentiment":"neutral","sentiment_score":-0.023796333000063896},{"text":"Yeah.","start":438.1,"end":438.6,"sentiment":"neutral","sentiment_score":-0.07705926895141602},{"text":"Okay.","start":438.66,"end":439.16,"sentiment":"neutral","sentiment_score":-0.06466807425022125},{"text":"Because the main thing with, like, the your time strategy is that it does sort of draw off your income.","start":439.54,"end":444.685,"sentiment":"neutral","sentiment_score":-0.2713828384876251}],"sentiment":"neutral","sentiment_score":-0.23814359597861767,"num_words":25,"start":403.19,"end":444.685},{"sentences":[{"text":"Obviously, if your income's a bit lower, it does mean what you draw down tends to top up your income a little bit more, which may may mean you end up with a bit more income.","start":445.225,"end":453.805,"sentiment":"neutral","sentiment_score":-0.08572932912243737},{"text":"But I probably just wanna double check maybe a payslip or two to find out what your base rate is just to make sure this strategy is going to work for you.","start":454.745,"end":464.47,"sentiment":"neutral","sentiment_score":0.22845551511272788},{"text":"We don't wanna end up, you know, recommending too many more contributions in if you can't afford to do that and or, you know, upsetting your income too much.","start":464.47,"end":474.245,"sentiment":"negative","sentiment_score":-0.4458026598239767},{"text":"Do you yeah.","start":475.42502,"end":476.945,"sentiment":"neutral","sentiment_score":0.17138971636692682},{"text":"Do you know what your total income was last financial year?","start":476.945,"end":480.48502,"sentiment":"neutral","sentiment_score":0.07104284688830376}],"sentiment":"neutral","sentiment_score":-0.06674158589931221,"num_words":111,"start":445.225,"end":480.48502},{"sentences":[{"text":"Okay.","start":488.25,"end":488.75,"sentiment":"neutral","sentiment_score":0.03831717371940613},{"text":"Was it overtime?","start":489.85,"end":490.75,"sentiment":"neutral","sentiment_score":-0.026759618272384007},{"text":"Yeah.","start":492.09,"end":492.59,"sentiment":"neutral","sentiment_score":0.022432204335927963},{"text":"Yeah.","start":498.355,"end":498.83502,"sentiment":"neutral","sentiment_score":0.03591993451118469},{"text":"So you said 90 four?","start":498.83502,"end":501.815,"sentiment":"neutral","sentiment_score":0.017399708554148675}],"sentiment":"neutral","sentiment_score":0.00939900004728274,"num_words":11,"start":488.25,"end":501.815},{"sentences":[{"text":"Okay.","start":504.195,"end":504.695,"sentiment":"neutral","sentiment_score":0.06895805150270462},{"text":"Oh, no.","start":508.85,"end":509.50998,"sentiment":"neutral","sentiment_score":0.0009746216237545013},{"text":"Okay.","start":520.825,"end":521.325,"sentiment":"neutral","sentiment_score":0.101443313062191},{"text":"Yeah.","start":525.46497,"end":525.96497,"sentiment":"neutral","sentiment_score":0.08060449361801147},{"text":"That's okay.","start":527.065,"end":527.96497,"sentiment":"neutral","sentiment_score":0.05034761317074299}],"sentiment":"neutral","sentiment_score":0.05052147539598601,"num_words":7,"start":504.195,"end":527.96497},{"sentences":[{"text":"Absolutely.","start":537.72003,"end":538.22003,"sentiment":"neutral","sentiment_score":0.1829277276992798},{"text":"No.","start":538.60004,"end":539.10004,"sentiment":"neutral","sentiment_score":-0.2240859419107437},{"text":"Yeah.","start":539.16003,"end":539.56,"sentiment":"neutral","sentiment_score":-0.15551984310150146},{"text":"No.","start":539.56,"end":540.04004,"sentiment":"neutral","sentiment_score":-0.27413469552993774},{"text":"That's okay.","start":540.04004,"end":540.78,"sentiment":"neutral","sentiment_score":-0.2181471586227417}],"sentiment":"neutral","sentiment_score":-0.15118451168139777,"num_words":6,"start":537.72003,"end":540.78},{"sentences":[{"text":"Yeah.","start":541.72003,"end":542.12,"sentiment":"neutral","sentiment_score":-0.03810488805174827},{"text":"No.","start":542.12,"end":542.28,"sentiment":"neutral","sentiment_score":-0.11116933822631836},{"text":"That's okay.","start":542.28,"end":542.76,"sentiment":"neutral","sentiment_score":0.025336279068142176},{"text":"Well, what I would probably look at doing is just updating the the TTR strategy to maybe reflect changes to your income, and we maybe just do that off the 65,500.","start":542.76,"end":553.835,"sentiment":"neutral","sentiment_score":0.08617516126363509},{"text":"So we work off your base salary.","start":553.835,"end":555.455,"sentiment":"neutral","sentiment_score":0.03769372563276972}],"sentiment":"neutral","sentiment_score":0.06754010501095936,"num_words":42,"start":541.72003,"end":555.455},{"sentences":[{"text":"That essentially means that anything more that you earn on top of that is only gonna be a benefit to you, but it all it just also means that we don't have to you know, if you don't get any overtime, it's not gonna negatively impact you in any way.","start":555.675,"end":571.26996,"sentiment":"positive","sentiment_score":0.3569814795255661},{"text":"So yeah.","start":571.26996,"end":574.17,"sentiment":"neutral","sentiment_score":0.1870848834514618},{"text":"So what I can do, if you like, is I'll take you through the advice.","start":574.625,"end":577.745,"sentiment":"neutral","sentiment_score":0.20004175305366517},{"text":"I'll show you what it looks like now.","start":577.745,"end":579.845,"sentiment":"neutral","sentiment_score":0.17646502330899239},{"text":"And then if you want, I can just go back.","start":580.14496,"end":582.385,"sentiment":"neutral","sentiment_score":0.08658615201711654}],"sentiment":"neutral","sentiment_score":0.276487667595639,"num_words":85,"start":555.675,"end":582.385},{"sentences":[{"text":"So you're with no way over time, your base salary is 65,500 per annum.","start":582.385,"end":588.385,"sentiment":"neutral","sentiment_score":0.07445022836327553},{"text":"Is that right?","start":588.385,"end":589.285,"sentiment":"neutral","sentiment_score":0.08568205932776134},{"text":"Yes.","start":590.8,"end":591.3,"sentiment":"neutral","sentiment_score":0.17809584736824036},{"text":"Beautiful.","start":591.36,"end":591.86,"sentiment":"positive","sentiment_score":0.4839798212051392},{"text":"So what I'll do is after the call, I don't sign it.","start":592.16,"end":595.36,"sentiment":"neutral","sentiment_score":0.02778047416359186}],"sentiment":"neutral","sentiment_score":0.07402550753566527,"num_words":31,"start":582.385,"end":595.36},{"sentences":[{"text":"What I'll do is I'll just go back to the team.","start":595.36,"end":597.2,"sentiment":"neutral","sentiment_score":0.06039277328686281},{"text":"We'll just redig the numbers a bit for that TTR strategy.","start":597.2,"end":600.24,"sentiment":"neutral","sentiment_score":0.11864749477668242},{"text":"And then when I've got that ready, I'll email it back to you, and I'll just give you a bit of a call So just say, hey.","start":600.24,"end":605.815,"sentiment":"neutral","sentiment_score":0.11932508950984036},{"text":"This is the new strategy with the numbers.","start":605.815,"end":607.915,"sentiment":"neutral","sentiment_score":0.13784964103251696},{"text":"We'll go through that together, and then you can let me know what you wanna do.","start":608.135,"end":611.495,"sentiment":"neutral","sentiment_score":0.1609959932975471}],"sentiment":"neutral","sentiment_score":0.12150621077377502,"num_words":73,"start":595.36,"end":611.495},{"sentences":[{"text":"But the first part of this is still appropriate.","start":611.495,"end":613.595,"sentiment":"neutral","sentiment_score":0.14160597655508253},{"text":"So I'll still take you through what we've got here just to kinda clarify.","start":613.65497,"end":616.875,"sentiment":"neutral","sentiment_score":0.16961699724197388},{"text":"The other thing I had down here, if you scroll down to page number nine for me, we only had just your assets and liabilities noted down as per your last conversation with Kyle there.","start":618.52997,"end":629.775,"sentiment":"neutral","sentiment_score":0.06988512330821582},{"text":"Can you just run through those to double check if that's still still fairly close accurate?","start":629.85504,"end":633.875,"sentiment":"neutral","sentiment_score":0.11608210811391473},{"text":"Are there any changes that you'd like me to make to those numbers for you?","start":633.935,"end":637.55505,"sentiment":"neutral","sentiment_score":0.049346940219402315}],"sentiment":"neutral","sentiment_score":0.097669538194209,"num_words":89,"start":611.495,"end":637.55505},{"sentences":[{"text":"Oh, no.","start":641.85504,"end":642.41504,"sentiment":"neutral","sentiment_score":-0.1382681094110012},{"text":"You're right.","start":642.41504,"end":643.23505,"sentiment":"neutral","sentiment_score":-0.06593012996017933},{"text":"Yep.","start":644.32,"end":644.82,"sentiment":"neutral","sentiment_score":0.017764516174793243},{"text":"Yeah.","start":649.68,"end":650.18,"sentiment":"neutral","sentiment_score":0.023843467235565186},{"text":"Oh, no.","start":653.44,"end":654.72,"sentiment":"neutral","sentiment_score":-0.024660754948854446}],"sentiment":"neutral","sentiment_score":-0.05201375065371394,"num_words":8,"start":641.85504,"end":654.72},{"sentences":[{"text":"You're fine.","start":654.72,"end":655.62,"sentiment":"neutral","sentiment_score":0.11778083071112633},{"text":"Yeah.","start":681.85004,"end":682.35004,"sentiment":"neutral","sentiment_score":0.06870152056217194},{"text":"That's alright.","start":682.57,"end":683.47003,"sentiment":"neutral","sentiment_score":0.03198637440800667},{"text":"Just let yeah.","start":685.015,"end":685.975,"sentiment":"neutral","sentiment_score":-0.011251832668979963},{"text":"Just apologize for me, Faye.","start":685.975,"end":687.65497,"sentiment":"neutral","sentiment_score":-0.06265091858804225}],"sentiment":"neutral","sentiment_score":0.0016327569117912878,"num_words":13,"start":654.72,"end":687.65497},{"sentences":[{"text":"I'm so sorry.","start":687.65497,"end":688.295,"sentiment":"neutral","sentiment_score":-0.052329257130622864},{"text":"I took up all your precious time.","start":688.295,"end":690.235,"sentiment":"neutral","sentiment_score":-0.11279855987855367},{"text":"Yep.","start":693.575,"end":694.075,"sentiment":"neutral","sentiment_score":0.022598115727305412},{"text":"That's the one.","start":700.19,"end":701.25,"sentiment":"neutral","sentiment_score":0.04368612046043078},{"text":"Yeah.","start":701.70996,"end":702.20996,"sentiment":"neutral","sentiment_score":0.04658827185630798}],"sentiment":"neutral","sentiment_score":-0.049755529438455896,"num_words":15,"start":687.65497,"end":702.20996},{"sentences":[{"text":"Yeah.","start":702.35,"end":702.75,"sentiment":"neutral","sentiment_score":0.03942541033029556},{"text":"So this I'm checking those.","start":702.75,"end":704.19,"sentiment":"neutral","sentiment_score":0.037800577282905576},{"text":"Are there any major changes that you'd like to have updated?","start":704.19,"end":707.64996,"sentiment":"neutral","sentiment_score":-0.01631771790033037},{"text":"Yep.","start":721.9,"end":722.06,"sentiment":"neutral","sentiment_score":0.16350018978118896},{"text":"So pretty accurate.","start":722.06,"end":723.04004,"sentiment":"neutral","sentiment_score":0.27644406259059906}],"sentiment":"neutral","sentiment_score":0.049607894161627406,"num_words":21,"start":702.35,"end":723.04004},{"sentences":[{"text":"Yep.","start":728.14,"end":728.64,"sentiment":"neutral","sentiment_score":0.13721634447574615},{"text":"Fantastic.","start":730.22003,"end":730.72003,"sentiment":"positive","sentiment_score":0.6517708897590637},{"text":"Excellent.","start":731.34,"end":731.84,"sentiment":"positive","sentiment_score":0.6694244742393494},{"text":"Now the other thing is if you're going down to page number 11 there, you've got your risk profile.","start":733.74,"end":738.735,"sentiment":"neutral","sentiment_score":-0.008091630757247148},{"text":"So when you and Kyle spoke to did your annual review, you are in a more of a balanced growth environment.","start":738.735,"end":744.435,"sentiment":"neutral","sentiment_score":0.07881453030166172}],"sentiment":"neutral","sentiment_score":0.0688319967539851,"num_words":43,"start":728.14,"end":744.435},{"sentences":[{"text":"So when you consider risk out of a number between one and five, five being the highest level of risk, one being the lowest, you're sort of sitting at that two, two and a half to three mark.","start":744.57495,"end":753.47003,"sentiment":"neutral","sentiment_score":-0.07805340443002551},{"text":"So in that middle range there, a balanced growth environment is looking to still get some growth out of your super, but you are kind of in that closest sort of retirement era where you are transitioning down and wanting to reduce your risk.","start":753.47003,"end":766.485,"sentiment":"neutral","sentiment_score":0.3147105710072951},{"text":"So this sort of environment sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other generally 30% in lower risk defensive investments like cash, bonds, and fixed interest.","start":766.485,"end":784.29,"sentiment":"neutral","sentiment_score":0.2584937751914064},{"text":"This sort of portfolio does suit someone who is, you know, looking to access their super in essentially the next five years, so it does suit your time horizon.","start":785.14996,"end":794.52997,"sentiment":"positive","sentiment_score":0.4656082535612172},{"text":"You can be in this sort of area with a longer with a lesser time horizon, but it's more about just reducing your risk level, you know, gradually as you get closer to retiring.","start":794.58997,"end":804.755,"sentiment":"neutral","sentiment_score":0.26492806239163175}],"sentiment":"neutral","sentiment_score":0.23730119398838498,"num_words":193,"start":744.57495,"end":804.755},{"sentences":[{"text":"But we still wanna have some of those growth assets within all the portfolios even in retirement because we still wanna get longevity.","start":806.495,"end":813.20996,"sentiment":"positive","sentiment_score":0.4022551593573197},{"text":"Most of the people I talk to say, look, I'm getting to 67.","start":813.75,"end":817.35,"sentiment":"neutral","sentiment_score":0.29979720367835117},{"text":"I don't wanna take any risk anymore, but then you kinda have to think about most people in retirement spend ten, twenty, thirty, even forty years.","start":817.35,"end":824.39,"sentiment":"neutral","sentiment_score":0.1683239767757746},{"text":"It's a whole another lifetime in retirement.","start":824.39,"end":826.41,"sentiment":"neutral","sentiment_score":0.29600122570991516},{"text":"So, you know, it's about that still longevity.","start":826.55,"end":829.635,"sentiment":"positive","sentiment_score":0.3500477485358715}],"sentiment":"neutral","sentiment_score":0.29088371788913553,"num_words":77,"start":806.495,"end":829.635},{"sentences":[{"text":"You still wanna make your super last as long as possible.","start":829.635,"end":832.295,"sentiment":"positive","sentiment_score":0.4547289176420732},{"text":"So does that kind of balanced growth area still suit where you're at, do you think?","start":832.355,"end":837.015,"sentiment":"neutral","sentiment_score":0.2210943941026926},{"text":"That's okay.","start":844.61,"end":845.41,"sentiment":"neutral","sentiment_score":-0.015551125630736351},{"text":"You're absolutely fine.","start":845.41,"end":846.95,"sentiment":"neutral","sentiment_score":0.10055357962846756},{"text":"It's not honestly with yeah.","start":847.41,"end":849.81,"sentiment":"neutral","sentiment_score":-0.04094214886426926}],"sentiment":"neutral","sentiment_score":0.23257773359482353,"num_words":37,"start":829.635,"end":849.81},{"sentences":[{"text":"You're right.","start":849.81,"end":850.47,"sentiment":"neutral","sentiment_score":0.09943272918462753},{"text":"Yeah.","start":858.78503,"end":859.28503,"sentiment":"neutral","sentiment_score":-0.12306395173072816},{"text":"That's okay.","start":863.10504,"end":863.925,"sentiment":"neutral","sentiment_score":-0.03885670751333237},{"text":"The I think the beauty between this sort of portfolio is that you don't have a lot of risk.","start":864.22504,"end":870.81,"sentiment":"neutral","sentiment_score":0.3302608116676933},{"text":"You know?","start":870.81,"end":871.05,"sentiment":"neutral","sentiment_score":0.15269270539283752}],"sentiment":"neutral","sentiment_score":0.2530164970801427,"num_words":26,"start":849.81,"end":871.05},{"sentences":[{"text":"You sort of, as I said, out of one to five, you're about sort of two and a half to three.","start":871.05,"end":875.05,"sentiment":"neutral","sentiment_score":0.21799480986027492},{"text":"So you're very much on the lower scale.","start":875.05,"end":876.82996,"sentiment":"neutral","sentiment_score":0.24071508459746838},{"text":"And the beauty of doing that TTR strategy, the transition retirement is that you're able to increase your contributions in the super by way of salary sacrifice, but also take some money out.","start":877.29,"end":888.465,"sentiment":"positive","sentiment_score":0.55604795163328},{"text":"And because the money that's put in the super is done by way of salary sacrifice, it's a pretax deduction.","start":888.465,"end":894.405,"sentiment":"positive","sentiment_score":0.42665242552757265},{"text":"So that sort of strategy means more money goes into super.","start":894.54504,"end":898.14,"sentiment":"positive","sentiment_score":0.5960455455563285}],"sentiment":"positive","sentiment_score":0.4294918666603745,"num_words":93,"start":871.05,"end":898.14},{"sentences":[{"text":"You don't have to take as much out to to replenish your income, and you actually can reduce your taxable income a little bit as well.","start":898.14,"end":905.26,"sentiment":"positive","sentiment_score":0.5457391177232449},{"text":"So it provides you that kind of benefit of being able to increase your contributions in without having to take on more risk and make that compounding work a little bit harder towards your retirement.","start":905.26,"end":915.755,"sentiment":"positive","sentiment_score":0.5437915870121547},{"text":"So it is a beautiful strategy.","start":915.975,"end":918.71497,"sentiment":"positive","sentiment_score":0.5770033895969391},{"text":"It's a shame you have to be 60 to do it, but it's one of the cool things about turning 60 that I like to point out to everybody.","start":918.77496,"end":924.9,"sentiment":"neutral","sentiment_score":0.3181758790180601},{"text":"What I'll do is I will just take you through the changes to the super to start with if you like, and then I'll show you the TTR strategy.","start":930.82,"end":937.515,"sentiment":"neutral","sentiment_score":0.18920970219990302}],"sentiment":"positive","sentiment_score":0.4111849983930588,"num_words":125,"start":898.14,"end":937.515},{"sentences":[{"text":"The numbers will probably change a little bit, but I'll still take you through what we had set up just to kind of explain it to you.","start":937.59503,"end":943.695,"sentiment":"neutral","sentiment_score":0.16861995116428094},{"text":"Just with your super, when I kinda went back and reviewed the portfolio as a whole, now you had sort of mentioned, Carl, you were happy with how Hub twenty four was performing.","start":944.395,"end":953.135,"sentiment":"neutral","sentiment_score":0.2604104738795396},{"text":"Hub twenty four is a great super fund, and there is no need to change Hub twenty four.","start":953.75,"end":957.83,"sentiment":"positive","sentiment_score":0.3655744389527374},{"text":"However, within the super fund, there have been some changes to the portfolio that I did wanna make as well.","start":957.83,"end":963.67,"sentiment":"neutral","sentiment_score":0.1816628448665142},{"text":"So, essentially, with your portfolio at the moment, you'll see the heading on there is recommended investment superannuation.","start":963.67,"end":971.065,"sentiment":"neutral","sentiment_score":0.13542631475461853}],"sentiment":"neutral","sentiment_score":0.22239271365106106,"num_words":116,"start":937.59503,"end":971.065},{"sentences":[{"text":"Is that the page you can see?","start":971.365,"end":972.485,"sentiment":"neutral","sentiment_score":0.07086162428770747},{"text":"I think it says number 19 on the bottom.","start":972.485,"end":974.585,"sentiment":"neutral","sentiment_score":0.046770808597405754},{"text":"Yeah.","start":978.60004,"end":978.84,"sentiment":"neutral","sentiment_score":0.02695309557020664},{"text":"You're right.","start":978.84,"end":979.66003,"sentiment":"neutral","sentiment_score":0.03873701021075249},{"text":"Nineteen.","start":980.60004,"end":981.10004,"sentiment":"neutral","sentiment_score":0.012542758136987686}],"sentiment":"neutral","sentiment_score":0.05169692607596517,"num_words":20,"start":971.365,"end":981.10004},{"sentences":[{"text":"Yeah.","start":981.72003,"end":982.22003,"sentiment":"neutral","sentiment_score":0.034642294049263},{"text":"Yeah.","start":989.97504,"end":990.375,"sentiment":"neutral","sentiment_score":0.11363160610198976},{"text":"So this is why I sort of, like, well, let's have a look at it together.","start":990.375,"end":993.755,"sentiment":"neutral","sentiment_score":0.10592143842950463},{"text":"So on this side here, you've got your hub twenty four speaker fund, and you've got all the different investments that you do currently hold in your fund there.","start":994.375,"end":1001.97504,"sentiment":"neutral","sentiment_score":0.07183163985610008},{"text":"So at the moment, you've got some beta shares staying high interest cash.","start":1001.97504,"end":1006.27,"sentiment":"neutral","sentiment_score":0.044582614388603434}],"sentiment":"neutral","sentiment_score":0.07509514096503457,"num_words":60,"start":981.72003,"end":1006.27},{"sentences":[{"text":"This is like high interest cash account, and, essentially, you hold about 8.73% there.","start":1006.73,"end":1013.47,"sentiment":"neutral","sentiment_score":0.049273429571517875},{"text":"We wanna actually hold about 10%, so we're gonna buy a little bit more of that, about 5,000 so you increase your exposure into that defensive environment.","start":1013.69,"end":1023.345,"sentiment":"neutral","sentiment_score":0.08874676707718107},{"text":"With the bank hybrids, the one underneath that, that's more of a complex in a complex investment.","start":1024.125,"end":1028.785,"sentiment":"neutral","sentiment_score":0.022013929617755553},{"text":"So bank hybrids are very much like bonds where money is given to the banks.","start":1028.925,"end":1035.03,"sentiment":"neutral","sentiment_score":0.02191805181403955},{"text":"It is invested in their side of things or lend it out to people with mortgages, and then they give you an income payment.","start":1035.09,"end":1042.39,"sentiment":"neutral","sentiment_score":0.04457848394910494}],"sentiment":"neutral","sentiment_score":0.05009156619150614,"num_words":97,"start":1006.73,"end":1042.39},{"sentences":[{"text":"But bank hybrids as a complex investment are also traded like shares.","start":1042.53,"end":1046.47,"sentiment":"neutral","sentiment_score":-0.011822302204867205},{"text":"These sorts of investments, since they are so complex, are actually gonna be phased out by the government over the next few years.","start":1046.955,"end":1052.5549,"sentiment":"neutral","sentiment_score":-0.05458564116902973},{"text":"So whilst we are making some changes to your super, we may as well fit you out of those now rather than holding off until we have to at the last minute.","start":1052.5549,"end":1060.65,"sentiment":"neutral","sentiment_score":-0.1186986219836399},{"text":"It's best to make the changes whilst we are making larger changes to your sleepers.","start":1060.73,"end":1064.59,"sentiment":"neutral","sentiment_score":-0.0477882444858551},{"text":"So we are gonna sell all those investments down, the bank hybrids down to zero.","start":1064.65,"end":1069.39,"sentiment":"neutral","sentiment_score":0.012266745294133822}],"sentiment":"neutral","sentiment_score":-0.05905686355359161,"num_words":97,"start":1042.53,"end":1069.39},{"sentences":[{"text":"You do have some global agriculture in there.","start":1070.09,"end":1072.695,"sentiment":"neutral","sentiment_score":0.19713329523801804},{"text":"Not at all a bad investment.","start":1073.0149,"end":1074.455,"sentiment":"neutral","sentiment_score":0.29069216052691144},{"text":"You have about 2.88% at the moment, so your exposure is a little bit low.","start":1074.455,"end":1078.9349,"sentiment":"neutral","sentiment_score":0.18485625684261323},{"text":"We wanna buy some more of that and bring you up to about 5%.","start":1078.9349,"end":1082.3949,"sentiment":"neutral","sentiment_score":0.31390646525791716},{"text":"So you'll have about 5% of your total portfolio there, and global agriculture is good.","start":1082.5349,"end":1087.62,"sentiment":"positive","sentiment_score":0.5044435401757558}],"sentiment":"neutral","sentiment_score":0.31130011713710326,"num_words":58,"start":1070.09,"end":1087.62},{"sentences":[{"text":"It is giving you exposure to global agriculture companies, so it is diversifying across the entire globe, which is what you want to help reduce overall risk.","start":1087.62,"end":1096.2799,"sentiment":"positive","sentiment_score":0.5209957129425473},{"text":"Physical gold, which has done really, really nicely and has done very well in your portfolio, but you are a little bit overexposed at the moment, so we only wanna hold about 10% physical gold.","start":1098.015,"end":1108.595,"sentiment":"neutral","sentiment_score":0.22744668647646904},{"text":"Physical gold does see growth, which is fantastic, but it doesn't provide any income.","start":1109.135,"end":1113.86,"sentiment":"neutral","sentiment_score":0.26593336729066713},{"text":"So to take advantage of physical gold, we do have to be able to sell it off every so often, rebalance it back, and that cements the gains that you've received, and then we redistribute those gains across other areas of your portfolio.","start":1113.86,"end":1126.44,"sentiment":"neutral","sentiment_score":0.2580237298510795},{"text":"One of the sort of risks with having these growth asset is that some of these growth assets perform better than others.","start":1127.7051,"end":1134.425,"sentiment":"neutral","sentiment_score":-0.09687998687679117}],"sentiment":"neutral","sentiment_score":0.2462003268829897,"num_words":141,"start":1087.62,"end":1134.425},{"sentences":[{"text":"So when you might have been said in the original recommendation, hold 10% physical goal.","start":1134.425,"end":1139.8,"sentiment":"neutral","sentiment_score":0.0354565616697073},{"text":"Because that growth has been so fantastic, it's gone up to 14% of your portfolio.","start":1139.8,"end":1144.7001,"sentiment":"neutral","sentiment_score":0.18699884936213493},{"text":"That does increase your risk level a little bit, so it is always good to sell some of that off.","start":1145.0801,"end":1149.72,"sentiment":"neutral","sentiment_score":-0.06782041154801846},{"text":"You submit the gains that you've received, and then we can redistribute those gains across other investments to continue growing and compounding.","start":1149.72,"end":1156.665,"sentiment":"neutral","sentiment_score":0.14317936517975546},{"text":"Does that make sense?","start":1156.885,"end":1157.9451,"sentiment":"neutral","sentiment_score":0.09634115360677242}],"sentiment":"neutral","sentiment_score":0.07257544188024967,"num_words":76,"start":1134.425,"end":1157.9451},{"sentences":[{"text":"Yep.","start":1159.4451,"end":1159.9451,"sentiment":"neutral","sentiment_score":0.09431641548871994},{"text":"Well, please let me know if it doesn't.","start":1161.4451,"end":1163.125,"sentiment":"neutral","sentiment_score":0.01323671720456332},{"text":"And if you need to ask more questions, you're more than welcome to.","start":1163.125,"end":1166.165,"sentiment":"neutral","sentiment_score":0.07370024718917333},{"text":"Okay?","start":1166.165,"end":1166.665,"sentiment":"neutral","sentiment_score":0.026378117501735687},{"text":"All good.","start":1169.43,"end":1170.0701,"sentiment":"neutral","sentiment_score":0.23808464407920837}],"sentiment":"neutral","sentiment_score":0.06643443088978529,"num_words":25,"start":1159.4451,"end":1170.0701},{"sentences":[{"text":"So we are gonna sell a little bit of a physical goal, bring you back to 10% total.","start":1170.0701,"end":1174.17,"sentiment":"neutral","sentiment_score":0.1559770695037312},{"text":"The iShares S and P 500 is giving you access and exposure to the top 500 companies in The US.","start":1174.79,"end":1180.935,"sentiment":"neutral","sentiment_score":0.13321682289242745},{"text":"You have a little bit more of that at the moment, so 25.10%.","start":1181.3351,"end":1185.0951,"sentiment":"neutral","sentiment_score":0.10050136595964432},{"text":"We're gonna sell some of that off and bring you back to 20% there just to rebalance the portfolio out.","start":1185.0951,"end":1190.9551,"sentiment":"neutral","sentiment_score":0.16633521914482116},{"text":"You've got the beta shares Raffi a 200 in there as well.","start":1191.415,"end":1195.3551,"sentiment":"neutral","sentiment_score":0.22547734156250954}],"sentiment":"neutral","sentiment_score":0.15434787889201956,"num_words":83,"start":1170.0701,"end":1195.3551},{"sentences":[{"text":"That by no means has been a bad investment.","start":1195.4951,"end":1197.83,"sentiment":"neutral","sentiment_score":0.3086583978599972},{"text":"You've got about 12% there.","start":1197.83,"end":1199.4299,"sentiment":"neutral","sentiment_score":0.26110082268714907},{"text":"So we wanna just reduce the exposure back to 10% to selling a bit over 9,000 there for you.","start":1199.4299,"end":1205.5299,"sentiment":"neutral","sentiment_score":0.22084134581841922},{"text":"Then you've got the Vanguard diversified index fund.","start":1205.75,"end":1209.0499,"sentiment":"neutral","sentiment_score":0.12629636889323592},{"text":"This one here, we wanna hold about 10% of your portfolio.","start":1209.375,"end":1212.675,"sentiment":"neutral","sentiment_score":0.004533659836108034}],"sentiment":"neutral","sentiment_score":0.17960877834747618,"num_words":52,"start":1195.4951,"end":1212.675},{"sentences":[{"text":"It's a little bit underweighted at the moment.","start":1212.735,"end":1214.755,"sentiment":"neutral","sentiment_score":-0.24936525523662567},{"text":"This diversified index fund is is supposed to give you some more access to defensive assets, so we wanna increase that exposure a little bit to 10%, so that means buying a bit more of that.","start":1215.215,"end":1225.9199,"sentiment":"neutral","sentiment_score":0.04457363434549835},{"text":"And the Benelon Australian Equities, we're gonna sell all of that investment off.","start":1226.62,"end":1231.0199,"sentiment":"neutral","sentiment_score":-0.16428659512446478},{"text":"I'm not sure if Kyle explained when he spoke to you last time, but that investment has now been underperforming quite significantly in most portfolios.","start":1231.0199,"end":1238.24,"sentiment":"negative","sentiment_score":-0.37546730518341065},{"text":"So we have looked at that with the investment committee, and they've decided it's no longer a valuable investment to have within the portfolios.","start":1238.62,"end":1246.125,"sentiment":"negative","sentiment_score":-0.4289942669371764}],"sentiment":"neutral","sentiment_score":-0.20951454696368496,"num_words":106,"start":1212.735,"end":1246.125},{"sentences":[{"text":"The idea of Bennelong is that they're an active investment manager, so they're supposed to be buying and selling, and trying to outperform against the market, but they have not been able to do so.","start":1247.5449,"end":1256.75,"sentiment":"neutral","sentiment_score":-0.09776026367076805},{"text":"So we are looking to remove that from the portfolio.","start":1256.81,"end":1259.31,"sentiment":"neutral","sentiment_score":-0.25459045767784116},{"text":"And to make sure you keep your Australian equity exposure, so, exposure into the Australian stock market.","start":1260.09,"end":1265.9451,"sentiment":"neutral","sentiment_score":-0.015151231823598637},{"text":"At the bottom, you've got the beta shares a 200.","start":1265.9451,"end":1268.765,"sentiment":"neutral","sentiment_score":0.03131540082395077},{"text":"We're gonna buy 10% of that, so you hold that exposure.","start":1269.305,"end":1273.5651,"sentiment":"neutral","sentiment_score":0.11896067654544656}],"sentiment":"neutral","sentiment_score":-0.0554622083857476,"num_words":83,"start":1247.5449,"end":1273.5651},{"sentences":[{"text":"By removing Benelong and having the a 200, you're actually increasing your diversification and helping to lower the risk of your portfolio.","start":1274.505,"end":1281.82,"sentiment":"neutral","sentiment_score":0.28843090547756717},{"text":"Because the Banalong Australian Equities, they only ever held between 15 to 25 different investments within that portfolio.","start":1282.2799,"end":1288.7,"sentiment":"neutral","sentiment_score":0.0757299264272054},{"text":"The a 200 gives you exposure and tracks the top 200 companies on the ASX.","start":1289.72,"end":1294.62,"sentiment":"neutral","sentiment_score":0.16998151938120523},{"text":"So it is giving you a wider range of exposure and more diversification, which helps to lower the risk level there.","start":1294.8251,"end":1301.545,"sentiment":"neutral","sentiment_score":0.1641980271254267},{"text":"So we wanna hold 10%, and so we'll sell off that along and buy into the a 200 there for you.","start":1301.545,"end":1307.385,"sentiment":"neutral","sentiment_score":0.12559188192798978}],"sentiment":"neutral","sentiment_score":0.16849411831995875,"num_words":97,"start":1274.505,"end":1307.385},{"sentences":[{"text":"Okay?","start":1307.385,"end":1307.885,"sentiment":"neutral","sentiment_score":0.10943464189767838},{"text":"And then the ClearBridge infrastructure fund, so this is more of an alternative investment giving you access to infrastructure across the essentially, across the globe is giving you diversification across different countries And also core composite bonds.","start":1310.2201,"end":1323.875,"sentiment":"neutral","sentiment_score":0.1870080725969495},{"text":"So bonds are replacing the bank hybrid investment.","start":1323.875,"end":1326.695,"sentiment":"neutral","sentiment_score":0.11811341438442469},{"text":"Bonds, this is giving you access to government as well as corporate bonds.","start":1327.555,"end":1330.835,"sentiment":"neutral","sentiment_score":0.20219658315181732},{"text":"And with bonds, you're essentially investing the money into the companies.","start":1330.835,"end":1334.935,"sentiment":"neutral","sentiment_score":0.13921785964207214}],"sentiment":"neutral","sentiment_score":0.17333703828709465,"num_words":70,"start":1307.385,"end":1334.935},{"sentences":[{"text":"The companies are then using that money to help build and grow and, you know, whatever they do on the inside of things.","start":1335.2899,"end":1341.07,"sentiment":"neutral","sentiment_score":0.06756101726837781},{"text":"And because you're locking that money away in the investment, they're giving you income payments every month or every couple of months.","start":1341.2899,"end":1347.375,"sentiment":"neutral","sentiment_score":0.0455070784823461},{"text":"That income gets paid back into your cash account in your super fund, and then it is reinvested across the other ports of other parts of your portfolio.","start":1347.615,"end":1355.875,"sentiment":"neutral","sentiment_score":0.10470595423664365},{"text":"That helps the compounding effect of your portfolio.","start":1356.655,"end":1359.155,"sentiment":"neutral","sentiment_score":0.20316769182682037},{"text":"So we do wanna hold about 15% in bonds, and we wanna hold about 10% in infrastructure as well.","start":1359.215,"end":1366.14,"sentiment":"neutral","sentiment_score":0.0687779376381322}],"sentiment":"neutral","sentiment_score":0.084189481921494,"num_words":100,"start":1335.2899,"end":1366.14},{"sentences":[{"text":"So we will be buying both of those just to increase your exposure and make sure you've got those defensive investments as well.","start":1366.14,"end":1372.54,"sentiment":"neutral","sentiment_score":0.07416663885764453},{"text":"Okay?","start":1372.54,"end":1373.04,"sentiment":"neutral","sentiment_score":0.08751194179058075},{"text":"All good.","start":1375.145,"end":1375.785,"sentiment":"positive","sentiment_score":0.4062184989452362},{"text":"That is a lot.","start":1375.785,"end":1376.665,"sentiment":"neutral","sentiment_score":0.3149888888001442},{"text":"I completely get it.","start":1376.665,"end":1378.205,"sentiment":"neutral","sentiment_score":0.2538892328739166}],"sentiment":"neutral","sentiment_score":0.14356747412068002,"num_words":34,"start":1366.14,"end":1378.205},{"sentences":[{"text":"I try to try to go through those as easy as possible, but also making sure to give you a little bit of context because otherwise, they're like, here's what you've got.","start":1378.905,"end":1386.185,"sentiment":"neutral","sentiment_score":0.10192121658474207},{"text":"Here's what we're moving.","start":1386.185,"end":1387.225,"sentiment":"neutral","sentiment_score":0.034832498989999294},{"text":"Here's what we're gonna put in there.","start":1387.225,"end":1388.91,"sentiment":"neutral","sentiment_score":0.04408371129206249},{"text":"So just to give you a little bit of context on what each of the investments are, what they're good for, what we're going to do with the portfolio, essentially, and why we're selling some of these investments as well because, you know, sometimes you look at it and go, well, why are you selling all of that down?","start":1389.63,"end":1402.75,"sentiment":"neutral","sentiment_score":-0.012184650337291976},{"text":"It hasn't done too badly.","start":1402.75,"end":1404.13,"sentiment":"neutral","sentiment_score":-0.28949292600154874}],"sentiment":"neutral","sentiment_score":0.014420896315964583,"num_words":107,"start":1378.905,"end":1404.13},{"sentences":[{"text":"It actually, unfortunately, been along hasn't been great, and we do wanna get rid of all of that investment.","start":1404.335,"end":1409.3151,"sentiment":"negative","sentiment_score":-0.40618581050320673},{"text":"And bank bank hybrids, because the government are gonna phase those out down the track, whilst we're making changes to your portfolio now, we may as well sell those down and replace them now.","start":1410.015,"end":1419.795,"sentiment":"neutral","sentiment_score":-0.057208527482169515},{"text":"That way your portfolio has time to recover and rebuild and grow rather than making these changes now.","start":1419.89,"end":1425.9701,"sentiment":"neutral","sentiment_score":0.05564101371500227},{"text":"And then in two years when they actually have them removed, we have to go back and find something quickly for you.","start":1425.9701,"end":1432.05,"sentiment":"neutral","sentiment_score":0.012048141014846888},{"text":"So it's just about trying to make all the changes in a more appropriate manner for you.","start":1432.05,"end":1436.775,"sentiment":"neutral","sentiment_score":0.17322831995346966}],"sentiment":"neutral","sentiment_score":-0.04955583223226395,"num_words":110,"start":1404.335,"end":1436.775},{"sentences":[{"text":"Okay?","start":1436.835,"end":1437.335,"sentiment":"neutral","sentiment_score":0.15990188717842102},{"text":"Excellent.","start":1439.235,"end":1439.735,"sentiment":"positive","sentiment_score":0.49483782052993774},{"text":"Oh, good.","start":1439.875,"end":1440.275,"sentiment":"neutral","sentiment_score":0.24444733560085297},{"text":"In your cash account within the super fund, your cash is a little bit high.","start":1440.275,"end":1443.555,"sentiment":"neutral","sentiment_score":-0.04139301230510076},{"text":"We only need to hold about 1.25 in cash.","start":1443.555,"end":1446.69,"sentiment":"neutral","sentiment_score":0.036585756267110504}],"sentiment":"neutral","sentiment_score":0.03042896431205528,"num_words":28,"start":1436.835,"end":1446.69},{"sentences":[{"text":"At the moment, you've got a bit over 2% there, so it does mean we're going to buy some of the investments.","start":1446.9299,"end":1451.9099,"sentiment":"neutral","sentiment_score":0.05732086995108561},{"text":"A bit over 4 thousand needs to be invested, so we'll make sure that happens for you as well.","start":1452.21,"end":1456.7899,"sentiment":"neutral","sentiment_score":0.11534690680472474},{"text":"Okay?","start":1456.85,"end":1457.35,"sentiment":"neutral","sentiment_score":0.06506110727787018},{"text":"If you can scroll down for me to page number 22, this is kind of giving you the projected outcome and why we're looking to make those changes.","start":1459.1849,"end":1466.565,"sentiment":"neutral","sentiment_score":0.08033117306019578},{"text":"Yes.","start":1472.64,"end":1472.7999,"sentiment":"neutral","sentiment_score":0.0959729552268982}],"sentiment":"neutral","sentiment_score":0.0825768630479423,"num_words":71,"start":1446.9299,"end":1472.7999},{"sentences":[{"text":"This is the fee comparison table, and the first column outlines your current superannuation balance, the fees that you've got in there.","start":1472.7999,"end":1479.84,"sentiment":"neutral","sentiment_score":0.08269269849089059},{"text":"So super funds, they do have admin fees, investment fees.","start":1479.84,"end":1482.975,"sentiment":"neutral","sentiment_score":0.08055144920945168},{"text":"You've got the ongoing service fee for having us update the advice and look after everything in the back end.","start":1482.975,"end":1487.855,"sentiment":"neutral","sentiment_score":0.09945641495287419},{"text":"And then you've got your contributions, which is your employer contributions as well as your salary sacrifice you're currently making into the fund as well there.","start":1487.855,"end":1496.655,"sentiment":"neutral","sentiment_score":0.0467967211913604},{"text":"So and then your insurance premiums, which are currently coming out of your super there as well.","start":1496.655,"end":1501.42,"sentiment":"neutral","sentiment_score":0.042907532304525375}],"sentiment":"neutral","sentiment_score":0.06905289429583047,"num_words":95,"start":1472.7999,"end":1501.42},{"sentences":[{"text":"You're in that balanced growth environment at the moment, and when we look at the current portfolio and how it has performed over the past five years, it averaged about 8.33%, which is by no means a bad investment for performance at all, but you're closer to retiring.","start":1502.12,"end":1518.165,"sentiment":"neutral","sentiment_score":0.092696206488957},{"text":"So we wanna make sure it's working as hard as possible.","start":1518.165,"end":1520.665,"sentiment":"neutral","sentiment_score":-0.029505300250920383},{"text":"So when we make these changes by those buyers and sellers that we went through before, your super fund, just like you, does a tax return every year.","start":1521.285,"end":1529.5499,"sentiment":"neutral","sentiment_score":-0.00948792542996151},{"text":"So we know by doing the research that the super fund will account for capital gains of $950 by making those changes.","start":1529.5499,"end":1537.5499,"sentiment":"neutral","sentiment_score":0.07569451757114042},{"text":"So by buying and selling the different investments, the super fund will pay about $950 in CGT for doing that.","start":1537.5499,"end":1545.015,"sentiment":"neutral","sentiment_score":0.09169730506837367}],"sentiment":"neutral","sentiment_score":0.05704204019072444,"num_words":129,"start":1502.12,"end":1545.015},{"sentences":[{"text":"Okay?","start":1545.015,"end":1545.515,"sentiment":"neutral","sentiment_score":0.03700975328683853},{"text":"Yeah.","start":1547.255,"end":1547.735,"sentiment":"neutral","sentiment_score":0.11558983474969864},{"text":"After that occurs, your expected balance within the fund is about $396,096.","start":1547.735,"end":1554.475,"sentiment":"neutral","sentiment_score":0.19589213281869888},{"text":"You'll still have administration fees because the balance is slightly lower.","start":1555.1699,"end":1558.45,"sentiment":"neutral","sentiment_score":0.21579502116550098},{"text":"It does save you about $2 for the year in admin fees.","start":1558.45,"end":1561.75,"sentiment":"positive","sentiment_score":0.3586784514288108}],"sentiment":"neutral","sentiment_score":0.24814031977911252,"num_words":37,"start":1545.015,"end":1561.75},{"sentences":[{"text":"The investment fees are the biggest part.","start":1562.0499,"end":1563.8899,"sentiment":"positive","sentiment_score":0.42557523931775776},{"text":"So the newer portfolio as a whole actually has cheaper investment fees, and it's expected to save you $402 for the first year in investment fees, which is a pretty decent saving.","start":1563.8899,"end":1574.665,"sentiment":"positive","sentiment_score":0.6498340126127005},{"text":"That's more money left in your super working harder for you.","start":1574.665,"end":1577.5651,"sentiment":"neutral","sentiment_score":0.16927472840655933},{"text":"Then we've also got the ongoing service fee.","start":1580.265,"end":1582.585,"sentiment":"neutral","sentiment_score":0.16806337237358093},{"text":"Now this is showing a difference of $5 for the year.","start":1582.585,"end":1585.62,"sentiment":"neutral","sentiment_score":0.2556262883273038}],"sentiment":"positive","sentiment_score":0.43177004698394,"num_words":69,"start":1562.0499,"end":1585.62},{"sentences":[{"text":"That is because we factor in growth and the additional growth that we should see out of the new portfolio for the first year there for you as well.","start":1585.62,"end":1593.62,"sentiment":"positive","sentiment_score":0.3344343638625638},{"text":"Okay?","start":1593.62,"end":1594.12,"sentiment":"neutral","sentiment_score":0.14848937094211578},{"text":"Contributions remain the same, and your insurance premiums don't change because we're not making any changes to those.","start":1595.94,"end":1601.595,"sentiment":"neutral","sentiment_score":0.07555757794115278},{"text":"But with that new balance growth portfolio, we're keeping the same level of exposure.","start":1601.8151,"end":1605.915,"sentiment":"neutral","sentiment_score":0.31409180483647753},{"text":"But with the investments we're putting in there, it has actually seen a much greater return.","start":1606.295,"end":1611.195,"sentiment":"positive","sentiment_score":0.58603142388165}],"sentiment":"neutral","sentiment_score":0.32026808173992694,"num_words":78,"start":1585.62,"end":1611.195},{"sentences":[{"text":"So it's about point 69% more that it's averaged over the past five years.","start":1611.61,"end":1616.4299,"sentiment":"positive","sentiment_score":0.5923410930803844},{"text":"And if you sort of take those two returns and average them out over the next five to six years on the next page, you can sort of see that it does put you in a greater position.","start":1616.73,"end":1625.71,"sentiment":"positive","sentiment_score":0.5307736451688566},{"text":"It's about making sure that super is working as hard as possible for you.","start":1625.955,"end":1629.575,"sentiment":"neutral","sentiment_score":0.244297770517213},{"text":"So if the new portfolio with the saving and fees is able to make that return, you can sort of see where you could be projected to be over the next year, essentially.","start":1629.635,"end":1638.455,"sentiment":"neutral","sentiment_score":0.2722324053898002},{"text":"Yeah.","start":1642.55,"end":1643.03,"sentiment":"positive","sentiment_score":0.38272225856781006}],"sentiment":"positive","sentiment_score":0.4124873424321413,"num_words":100,"start":1611.61,"end":1643.03},{"sentences":[{"text":"Beautiful.","start":1643.03,"end":1643.53,"sentiment":"positive","sentiment_score":0.5579800009727478},{"text":"Next part is the the TTR account.","start":1645.27,"end":1649.11,"sentiment":"neutral","sentiment_score":0.1575628753219332},{"text":"So, essentially, with a a transition or a time strategy, what we're essentially doing is we're opening up a second pension account, and it's called a transition to retirement pension account.","start":1649.11,"end":1659.965,"sentiment":"neutral","sentiment_score":0.12260574799391531},{"text":"Unlike a normal full account based pension, there are limitations around how much you can access.","start":1660.585,"end":1665.645,"sentiment":"neutral","sentiment_score":-0.10752012254670262},{"text":"They don't allow you to access more than 10% of the total transferred balance, and we do have to keep your accumulation account open as well so your contributions can keep going in.","start":1665.9299,"end":1676.1699,"sentiment":"neutral","sentiment_score":-0.001715862841317148}],"sentiment":"neutral","sentiment_score":0.041872191835533486,"num_words":88,"start":1643.03,"end":1676.1699},{"sentences":[{"text":"So you'll end up with two accounts open.","start":1676.1699,"end":1678.2699,"sentiment":"neutral","sentiment_score":0.12480470538139343},{"text":"You'll see for accumulation as well as that it's called a TTR pension account.","start":1678.475,"end":1683.135,"sentiment":"neutral","sentiment_score":0.12823212945035525},{"text":"Essentially, with the current scenario and I'll go back and just rerun the numbers for you just to make sure, and I'll update this document to reflect.","start":1683.915,"end":1691.435,"sentiment":"neutral","sentiment_score":0.0421495107864892},{"text":"But just so you can sort of see what we had worked on, we were expecting to be able to transfer about a 110,000 out of your super and into the into the TTR pension account, and that would leave about $287,046 in the accumulation side.","start":1691.435,"end":1710.975,"sentiment":"neutral","sentiment_score":0.1757650681487892},{"text":"We would then gonna be able to start drawing down $990 per year or essentially per fortnight.","start":1710.975,"end":1718.335,"sentiment":"neutral","sentiment_score":0.2678669892689761}],"sentiment":"neutral","sentiment_score":0.1479522874911449,"num_words":112,"start":1676.1699,"end":1718.335},{"sentences":[{"text":"It works out to be $380.76.","start":1718.335,"end":1721.155,"sentiment":"neutral","sentiment_score":0.27229972183704376},{"text":"That would come out of the pension account into your bank account, and it's tax free.","start":1721.295,"end":1725.955,"sentiment":"positive","sentiment_score":0.36248929984867573},{"text":"So unlike your income, when you receive that from your employer, they deduct income tax.","start":1727.0,"end":1732.76,"sentiment":"neutral","sentiment_score":0.18365633189678193},{"text":"Because you're over 60, that $3.80 and 76¢ per fortnight drawn out of the TCR pension account is completely tax free.","start":1732.76,"end":1741.495,"sentiment":"neutral","sentiment_score":0.32145669907331464},{"text":"So it actually means you have to pay income tax on that amount, which is kind of nice.","start":1741.495,"end":1745.6749,"sentiment":"positive","sentiment_score":0.4599212523963716}],"sentiment":"neutral","sentiment_score":0.3319491817553838,"num_words":76,"start":1718.335,"end":1745.6749},{"sentences":[{"text":"At at the moment, you are already got employer contributions going in, and I'll just go back and double check those.","start":1748.5349,"end":1754.215,"sentiment":"neutral","sentiment_score":0.16540543805985225},{"text":"But you're also salary sacrificing about $300 per fortnight.","start":1754.215,"end":1758.03,"sentiment":"neutral","sentiment_score":0.03905456906391515},{"text":"Are you still salary sacrificing that?","start":1758.03,"end":1760.19,"sentiment":"neutral","sentiment_score":0.0055288684864838915},{"text":"And are you still planning to keep that salary sacrifice at the same level moving forward?","start":1760.19,"end":1764.85,"sentiment":"neutral","sentiment_score":0.08779244311153889},{"text":"Yeah.","start":1770.925,"end":1771.425,"sentiment":"neutral","sentiment_score":-0.012699000537395476}],"sentiment":"neutral","sentiment_score":0.09905959662260874,"num_words":53,"start":1748.5349,"end":1771.425},{"sentences":[{"text":"Yeah.","start":1773.165,"end":1773.665,"sentiment":"neutral","sentiment_score":0.017872661352157593},{"text":"Yeah.","start":1774.445,"end":1774.6849,"sentiment":"neutral","sentiment_score":0.1194380521774292},{"text":"We can absolutely do that.","start":1774.6849,"end":1776.045,"sentiment":"positive","sentiment_score":0.3978711724281311},{"text":"That's not a problem at all.","start":1776.045,"end":1777.245,"sentiment":"neutral","sentiment_score":0.32763245701789856},{"text":"We can make sure to reflect that.","start":1777.245,"end":1778.765,"sentiment":"neutral","sentiment_score":0.27756744836057934}],"sentiment":"neutral","sentiment_score":0.30177167281508444,"num_words":20,"start":1773.165,"end":1778.765},{"sentences":[{"text":"So we'll just go back and redig the numbers to see if there needs to be a change to the strategy.","start":1778.765,"end":1783.5701,"sentiment":"neutral","sentiment_score":0.10912943489494778},{"text":"But with based on the 85,000, with your current employer contributions and the salary sacrifice going in, we were then able to increase your contribution to a total of 22,300.","start":1784.03,"end":1798.955,"sentiment":"neutral","sentiment_score":0.15805735116203626},{"text":"That's employer contribution, salary sacrifice, and then increasing your employer contributions or your salary sacrifice.","start":1798.955,"end":1806.655,"sentiment":"neutral","sentiment_score":0.1126482089360555},{"text":"So the increasing it to $857.69 on a fortnightly basis.","start":1807.035,"end":1814.6799,"sentiment":"neutral","sentiment_score":0.1643272191286087},{"text":"So it means that your employer increases your salary sacrifice into your super by $857.69.","start":1814.6799,"end":1821.82,"sentiment":"neutral","sentiment_score":0.19144492149353026}],"sentiment":"neutral","sentiment_score":0.14547371225697653,"num_words":91,"start":1778.765,"end":1821.82},{"sentences":[{"text":"That's how much comes out of your out of your income into super, and then we replenish that by drawing out $380.76 per fortnight.","start":1821.88,"end":1831.5951,"sentiment":"neutral","sentiment_score":0.17808837816119194},{"text":"So because salary sacrifice is pretax, we don't have to draw down as much as what we're putting in.","start":1831.9751,"end":1837.5599,"sentiment":"neutral","sentiment_score":0.22624730671706952},{"text":"We actually draw down less than what we're putting in, and it actually replaces your income and gives you the same take home pay, which is really kind of cool.","start":1837.5599,"end":1845.58,"sentiment":"positive","sentiment_score":0.5120382706324259},{"text":"If you go down to page 26 for me, I can show you the table that essentially breaks down the math to make it a little bit easier.","start":1849.255,"end":1855.915,"sentiment":"neutral","sentiment_score":0.2587367764541081},{"text":"Yeah.","start":1859.255,"end":1859.755,"sentiment":"neutral","sentiment_score":0.05818679928779602}],"sentiment":"neutral","sentiment_score":0.3062429859065542,"num_words":102,"start":1821.88,"end":1859.755},{"sentences":[{"text":"So looking at the third table down, it's got the income tax calculation, and it's got your salary starting point at 85,000 per annum.","start":1859.895,"end":1867.95,"sentiment":"neutral","sentiment_score":0.06631802022457123},{"text":"Can you see that?","start":1867.95,"end":1868.9299,"sentiment":"neutral","sentiment_score":0.04582746233791113},{"text":"Yeah.","start":1870.11,"end":1870.59,"sentiment":"neutral","sentiment_score":0.061508528888225555},{"text":"So the current shows that when you start with $85,000 on a yearly basis as gross income, You're currently salary sacrificing 7,800 into the fund.","start":1870.59,"end":1881.0549,"sentiment":"neutral","sentiment_score":0.03911865994334221},{"text":"You also got your employer contributions going in as well.","start":1881.0549,"end":1884.0349,"sentiment":"neutral","sentiment_score":0.054784868657588956}],"sentiment":"neutral","sentiment_score":0.052535407012328506,"num_words":64,"start":1859.895,"end":1884.0349},{"sentences":[{"text":"That essentially gives you taxable income.","start":1884.095,"end":1886.1749,"sentiment":"neutral","sentiment_score":0.049937102322777115},{"text":"The 85,000 minus the 780 gives you 77,200.","start":1886.1749,"end":1891.3949,"sentiment":"neutral","sentiment_score":0.05500918999314308},{"text":"That's your taxable income after salary sacrifice.","start":1891.71,"end":1894.45,"sentiment":"neutral","sentiment_score":0.015873066016605923},{"text":"Then you pay income tax on that at $15,224 for the year, and then that leaves you with a net take home pay of $61,009.76.","start":1895.15,"end":1907.6749,"sentiment":"neutral","sentiment_score":0.06488565802574157},{"text":"So with the proposed strategy of increasing your contributions in, so your total employer plus salary sacrifice increases to 22,300 for the year, and then your take home pay goes from 85,000 to $62,700, and your income tax reduces.","start":1908.375,"end":1925.76,"sentiment":"neutral","sentiment_score":0.12007153024658179}],"sentiment":"neutral","sentiment_score":0.0841851614853915,"num_words":85,"start":1884.095,"end":1925.76},{"sentences":[{"text":"So because that salary sacrifice is pretax, it actually reduces your tax from 15,000 to only 10,525.","start":1925.82,"end":1933.965,"sentiment":"neutral","sentiment_score":0.25842372985447154},{"text":"Do you pay less income tax, which is kinda cool?","start":1934.125,"end":1936.625,"sentiment":"neutral","sentiment_score":0.16333822533488274},{"text":"Give give the ATO less money.","start":1938.365,"end":1940.465,"sentiment":"neutral","sentiment_score":0.1111773004134496},{"text":"Yeah.","start":1942.6849,"end":1943.1649,"sentiment":"neutral","sentiment_score":0.14956477284431458},{"text":"So the 85,000 minus the increase in salary sacrifice of 22,300 leaves you with $62,700 taxable income, then your income tax is deducted, so it goes down to 10,525, and that leaves you with a net take home pay of $52,175.","start":1943.1649,"end":1963.59,"sentiment":"neutral","sentiment_score":0.13201379557935203}],"sentiment":"neutral","sentiment_score":0.16341039806604385,"num_words":75,"start":1925.82,"end":1963.59},{"sentences":[{"text":"Then because we've increased your salary sacrifice and it's reduced your take home pay, we need to replenish that, and that's where that TTR pension account comes into play.","start":1964.255,"end":1972.9149,"sentiment":"neutral","sentiment_score":0.014750128772495121},{"text":"By withdrawing only 9,900 on a yearly basis, it actually brings your net take home pay back to 62,075.","start":1973.1349,"end":1981.51,"sentiment":"positive","sentiment_score":0.6172676384449005},{"text":"So it's actually just a little bit more than what your current take home pay is based on that income, but it's essentially replenishing your income, increasing your contributions in, and reducing your take home pay whilst keeping your income, your take home pay basically the same.","start":1981.51,"end":1996.355,"sentiment":"positive","sentiment_score":0.4256198590106152},{"text":"Does that make sense?","start":1996.355,"end":1997.415,"sentiment":"neutral","sentiment_score":0.24261551722884178},{"text":"Yes.","start":1999.4751,"end":1999.9751,"sentiment":"neutral","sentiment_score":0.1298796534538269}],"sentiment":"neutral","sentiment_score":0.3326031396072358,"num_words":100,"start":1964.255,"end":1999.9751},{"sentences":[{"text":"It's pretty cool.","start":2000.115,"end":2001.255,"sentiment":"neutral","sentiment_score":0.2704593812425931},{"text":"Yeah.","start":2001.875,"end":2002.375,"sentiment":"neutral","sentiment_score":-0.006487734615802765},{"text":"Yes.","start":2007.65,"end":2008.15,"sentiment":"neutral","sentiment_score":-0.058431029319763184},{"text":"Yeah.","start":2026.065,"end":2026.3849,"sentiment":"neutral","sentiment_score":-0.0778878927230835},{"text":"That's okay.","start":2026.3849,"end":2027.0249,"sentiment":"neutral","sentiment_score":-0.07744369469583035}],"sentiment":"neutral","sentiment_score":0.06421051220968366,"num_words":8,"start":2000.115,"end":2027.0249},{"sentences":[{"text":"Look.","start":2027.0249,"end":2027.2649,"sentiment":"neutral","sentiment_score":-0.04776022210717201},{"text":"Let's work it on your base.","start":2027.2649,"end":2028.8849,"sentiment":"neutral","sentiment_score":-0.12937557200590769},{"text":"Yeah.","start":2029.9199,"end":2030.4199,"sentiment":"neutral","sentiment_score":0.027603868395090103},{"text":"Yeah.","start":2030.48,"end":2030.7999,"sentiment":"neutral","sentiment_score":0.039735451340675354},{"text":"Let's work it on your base because I think the biggest thing is when we work on, say, a higher income including overtime and things like that, there is that risk that, you know, your overtime may drop off, which means that we're replenishing a take home pay, which you might not actually make.","start":2030.7999,"end":2047.985,"sentiment":"neutral","sentiment_score":-0.17638233235036885}],"sentiment":"neutral","sentiment_score":-0.16319556002105987,"num_words":63,"start":2027.0249,"end":2047.985},{"sentences":[{"text":"And that means if you don't make the higher income, we're replenishing a higher net take home pay.","start":2047.985,"end":2054.145,"sentiment":"neutral","sentiment_score":-0.17162631369299358},{"text":"If without that, it overtime, it might make your take home pay a lot less.","start":2054.145,"end":2058.24,"sentiment":"neutral","sentiment_score":-0.33315528531869254},{"text":"So it is best to work it out on the base income only of 65,500.","start":2058.32,"end":2066.16,"sentiment":"neutral","sentiment_score":0.12940398827195168},{"text":"That way, we can, you know, justify and check that over.","start":2066.16,"end":2069.38,"sentiment":"neutral","sentiment_score":0.20932350375435568},{"text":"We do check this with you on a yearly basis and refresh the strategy as we need to, and then we'll just make sure your contributions are not kind of eating into anything that we, you know, have catch up contributions and things like that.","start":2069.76,"end":2083.6648,"sentiment":"neutral","sentiment_score":0.12171813382042779}],"sentiment":"neutral","sentiment_score":0.015714725586943902,"num_words":104,"start":2047.985,"end":2083.6648},{"sentences":[{"text":"We could even just, you know, double check the last couple of years of contributions just to make sure you have extra cap space in case you go over.","start":2084.2048,"end":2093.4302,"sentiment":"neutral","sentiment_score":0.2076665543276688},{"text":"I do believe so the last couple of years so you have made quite a lot in contributions there.","start":2094.29,"end":2099.6501,"sentiment":"neutral","sentiment_score":0.2620391139858647},{"text":"So the last yeah.","start":2099.6501,"end":2108.9849,"sentiment":"neutral","sentiment_score":0.09535175375640392},{"text":"That's okay.","start":2108.9849,"end":2109.805,"sentiment":"neutral","sentiment_score":0.3185758590698242},{"text":"That's okay.","start":2111.785,"end":2112.345,"sentiment":"neutral","sentiment_score":0.32577238976955414}],"sentiment":"neutral","sentiment_score":0.2262710134631821,"num_words":56,"start":2084.2048,"end":2112.345},{"sentences":[{"text":"Would it be even possible if you were able to maybe just shoot me through one of your payslips just so I can sort of see what your base is, what you're averaging on a weekly basis or fortnightly basis, and also what is maybe coming out of this out of your income just so we can kind of use that as a base to to build to double check the strategy for you.","start":2112.345,"end":2132.2751,"sentiment":"neutral","sentiment_score":0.24933201437060898},{"text":"Would that be okay?","start":2132.2751,"end":2133.335,"sentiment":"neutral","sentiment_score":0.20241598784923553},{"text":"That's okay.","start":2139.235,"end":2140.0552,"sentiment":"neutral","sentiment_score":0.01012669550254941},{"text":"Yeah.","start":2146.05,"end":2146.55,"sentiment":"neutral","sentiment_score":-0.025377925485372543},{"text":"Yep.","start":2149.65,"end":2150.15,"sentiment":"neutral","sentiment_score":-0.12353362888097764}],"sentiment":"neutral","sentiment_score":0.23331188843244824,"num_words":82,"start":2112.345,"end":2150.15},{"sentences":[{"text":"All these things are coming up.","start":2170.54,"end":2172.16,"sentiment":"neutral","sentiment_score":-0.22505062570174536},{"text":"Oh.","start":2172.22,"end":2172.72,"sentiment":"neutral","sentiment_score":-0.09609581530094148},{"text":"Oh, that's bizarre.","start":2179.26,"end":2181.1199,"sentiment":"neutral","sentiment_score":-0.2753854990005493},{"text":"That is bizarre.","start":2187.2551,"end":2188.3152,"sentiment":"neutral","sentiment_score":-0.1435226077834765},{"text":"Yeah.","start":2188.375,"end":2188.875,"sentiment":"neutral","sentiment_score":-0.06228481978178024}],"sentiment":"neutral","sentiment_score":-0.1975291935460908,"num_words":14,"start":2170.54,"end":2188.875},{"sentences":[{"text":"That's okay.","start":2194.215,"end":2195.0352,"sentiment":"neutral","sentiment_score":0.1692066267132759},{"text":"You can take, yeah, I've just yeah.","start":2195.2551,"end":2202.3398,"sentiment":"neutral","sentiment_score":0.11670776030847005},{"text":"That's okay.","start":2204.8,"end":2205.7,"sentiment":"neutral","sentiment_score":0.14217956364154816},{"text":"That's okay.","start":2206.0,"end":2206.8,"sentiment":"neutral","sentiment_score":0.2898186445236206},{"text":"I'm sending the email to you now.","start":2206.8,"end":2208.9,"sentiment":"neutral","sentiment_score":0.30107121595314573}],"sentiment":"neutral","sentiment_score":0.20634312517940998,"num_words":20,"start":2194.215,"end":2208.9},{"sentences":[{"text":"Just asking if you can get the payslip.","start":2209.935,"end":2212.195,"sentiment":"neutral","sentiment_score":0.1558804027736187},{"text":"It doesn't have to be the exact if you wanna take a photo and attach the photo, that's absolutely fine just so we can kinda see what the payslip looks like.","start":2212.2551,"end":2220.895,"sentiment":"neutral","sentiment_score":0.1866496808586582},{"text":"Or if it's emailed to you and you wanna forward me the email, this has got my email address there as well.","start":2220.895,"end":2227.22,"sentiment":"neutral","sentiment_score":0.20212285965681076},{"text":"So however it works easier for you.","start":2227.22,"end":2230.2798,"sentiment":"neutral","sentiment_score":0.26416392411504475},{"text":"Yeah.","start":2230.42,"end":2230.92,"sentiment":"neutral","sentiment_score":0.13847006857395172}],"sentiment":"neutral","sentiment_score":0.19518121418313703,"num_words":69,"start":2209.935,"end":2230.92},{"sentences":[{"text":"Yep.","start":2236.125,"end":2236.625,"sentiment":"neutral","sentiment_score":0.11543917655944824},{"text":"Yep.","start":2241.245,"end":2241.725,"sentiment":"neutral","sentiment_score":0.1204511970281601},{"text":"I'm yeah.","start":2241.725,"end":2243.885,"sentiment":"neutral","sentiment_score":0.11291136965155602},{"text":"And I'm just also attaching it here.","start":2243.885,"end":2247.085,"sentiment":"neutral","sentiment_score":0.1455953504358019},{"text":"So I'm sending you another email now with the request just so you've got my email there.","start":2247.085,"end":2252.35,"sentiment":"neutral","sentiment_score":0.18532032125136433}],"sentiment":"neutral","sentiment_score":0.1654045009719474,"num_words":28,"start":2236.125,"end":2252.35},{"sentences":[{"text":"So I've just sent that through to you there, Julie.","start":2252.35,"end":2254.59,"sentiment":"neutral","sentiment_score":0.3192982643842697},{"text":"So it should arrive any moment for you.","start":2254.59,"end":2256.51,"sentiment":"positive","sentiment_score":0.40360836684703827},{"text":"And then you've got my email, so you can contact me anytime you need.","start":2256.51,"end":2260.1301,"sentiment":"neutral","sentiment_score":0.299302875995636},{"text":"Okay?","start":2260.19,"end":2260.69,"sentiment":"neutral","sentiment_score":0.25644001364707947},{"text":"That's okay.","start":2263.1648,"end":2263.9849,"sentiment":"positive","sentiment_score":0.36006319522857666}],"sentiment":"neutral","sentiment_score":0.33110446419034684,"num_words":35,"start":2252.35,"end":2263.9849},{"sentences":[{"text":"The only other thing I kinda wanted to go through with you is we did talk about the estate planning side of the thing.","start":2264.4448,"end":2270.125,"sentiment":"neutral","sentiment_score":0.1521339863538742},{"text":"So because we are opening up a secondary account, we do like to make sure that we have beneficiaries updated, and we do have to have a secondary beneficiary nomination applied.","start":2270.125,"end":2280.27,"sentiment":"neutral","sentiment_score":0.16381576537124573},{"text":"So when we open up that TTR pension account, we'll have the beneficiary nomination applied for you.","start":2280.27,"end":2286.85,"sentiment":"neutral","sentiment_score":0.21715986290398767},{"text":"One of the things when you spoke to Kyle, you may have mentioned you just wanted everything paid to your your partner in the event that something happens.","start":2287.155,"end":2292.995,"sentiment":"neutral","sentiment_score":0.01900990244134196},{"text":"They're all paid to Christopher to make sure he can live and enjoy.","start":2292.995,"end":2297.975,"sentiment":"neutral","sentiment_score":0.10656107482142173}],"sentiment":"neutral","sentiment_score":0.1268919761894287,"num_words":113,"start":2264.4448,"end":2297.975},{"sentences":[{"text":"Yep.","start":2299.235,"end":2299.735,"sentiment":"neutral","sentiment_score":0.12699025869369507},{"text":"Absolutely.","start":2301.0,"end":2301.5,"sentiment":"positive","sentiment_score":0.3674266934394837},{"text":"So we'll just make sure that the beneficiary nomination is applied there.","start":2301.56,"end":2305.1602,"sentiment":"neutral","sentiment_score":0.2224928637345632},{"text":"It I recommend it as a binding or matching nomination, so you only have to fill out that nomination once.","start":2305.1602,"end":2311.18,"sentiment":"neutral","sentiment_score":0.16487950906157495},{"text":"We'll nominate it to Chris.","start":2311.56,"end":2312.92,"sentiment":"positive","sentiment_score":0.3525178611278534}],"sentiment":"neutral","sentiment_score":0.21088489240560776,"num_words":39,"start":2299.235,"end":2312.92},{"sentences":[{"text":"So in the event that something happens, everything is paid to him nice and easily.","start":2312.92,"end":2317.2349,"sentiment":"positive","sentiment_score":0.4912839015324911},{"text":"And then just reiterating with you, obviously, with the insurances you have with Neos, we do receive ongoing remuneration from them.","start":2318.015,"end":2325.375,"sentiment":"neutral","sentiment_score":0.1489079630091077},{"text":"It is 22% of the premiums that you that are paid out of super.","start":2325.375,"end":2329.635,"sentiment":"neutral","sentiment_score":0.07494062451379639},{"text":"That's not paid by you in any way.","start":2330.07,"end":2331.6702,"sentiment":"neutral","sentiment_score":0.02290965197607875},{"text":"It's paid by Neos to us, and we just disclosed that in the document for you.","start":2331.6702,"end":2336.57,"sentiment":"neutral","sentiment_score":0.07700137095525861}],"sentiment":"neutral","sentiment_score":0.17514586000627763,"num_words":74,"start":2312.92,"end":2336.57},{"sentences":[{"text":"And then yourself, you do pay us an ongoing service fee, which is 1.10% of the total balance, we will just prorated that across the two accounts so that it just continues coming out of the two accounts, but it's prorated across.","start":2337.11,"end":2351.295,"sentiment":"neutral","sentiment_score":0.06728923178854443},{"text":"Does that make sense?","start":2351.295,"end":2352.355,"sentiment":"neutral","sentiment_score":0.05930593330413103},{"text":"Beautiful.","start":2354.415,"end":2354.915,"sentiment":"neutral","sentiment_score":0.16560044884681702},{"text":"Excellent.","start":2356.5999,"end":2357.0999,"sentiment":"positive","sentiment_score":0.4535022974014282},{"text":"Yeah.","start":2357.24,"end":2357.64,"sentiment":"positive","sentiment_score":0.35251447558403015}],"sentiment":"neutral","sentiment_score":0.08234670796260542,"num_words":49,"start":2337.11,"end":2357.64},{"sentences":[{"text":"Perfect.","start":2357.64,"end":2358.14,"sentiment":"positive","sentiment_score":0.44815516471862793},{"text":"So feel free to run your eyes over this document here.","start":2358.2,"end":2361.16,"sentiment":"neutral","sentiment_score":0.211094546047124},{"text":"Don't sign this one.","start":2361.16,"end":2362.28,"sentiment":"neutral","sentiment_score":-0.028563655680045485},{"text":"Just sort of you keep it there just to, you know, keep you give you a bit of reading material if you wanted to have a bit of a read through it all.","start":2362.28,"end":2370.285,"sentiment":"neutral","sentiment_score":0.14910070349772772},{"text":"I'll just go back and update the numbers there for you, and then we'll get that resent to you.","start":2370.605,"end":2375.9849,"sentiment":"neutral","sentiment_score":0.21410891178407168}],"sentiment":"neutral","sentiment_score":0.17124019246822333,"num_words":68,"start":2357.64,"end":2375.9849},{"sentences":[{"text":"And then I can just give you a bit of a quick call just to rerun through the numbers and see if there's any major changes.","start":2376.525,"end":2381.9648,"sentiment":"neutral","sentiment_score":0.18308395892381668},{"text":"If I find I don't need to change anything, then I'll just let you know to sign that document.","start":2381.9648,"end":2386.9302,"sentiment":"neutral","sentiment_score":0.16335467092300715},{"text":"Is that okay?","start":2386.9302,"end":2387.75,"sentiment":"neutral","sentiment_score":0.17665844162305197},{"text":"Yes.","start":2389.4102,"end":2389.9102,"sentiment":"neutral","sentiment_score":0.094869464635849},{"text":"Beautiful.","start":2390.1301,"end":2390.6301,"sentiment":"positive","sentiment_score":0.8486145734786987}],"sentiment":"neutral","sentiment_score":0.18674762085080146,"num_words":50,"start":2376.525,"end":2390.6301},{"sentences":[{"text":"Beautiful.","start":2390.85,"end":2391.35,"sentiment":"positive","sentiment_score":0.7843160033226013},{"text":"But, yeah, if I do need to make any changes, I'll make sure a new one is sent through to you with the update, and then I'll give you a call.","start":2391.7302,"end":2397.4102,"sentiment":"neutral","sentiment_score":0.03698363647826256},{"text":"We'll run through those together.","start":2397.4102,"end":2398.77,"sentiment":"neutral","sentiment_score":0.10369614064693451},{"text":"That way, we can clarify some things.","start":2398.77,"end":2400.885,"sentiment":"neutral","sentiment_score":0.12378643665994916},{"text":"And in the meantime, if you find any questions come out of that, just note them down for yourself, and when we speak next, we can go through them together.","start":2400.885,"end":2408.405,"sentiment":"neutral","sentiment_score":0.0913813275595506}],"sentiment":"neutral","sentiment_score":0.08185451784850778,"num_words":74,"start":2390.85,"end":2408.405},{"sentences":[{"text":"Does that sound okay, Julie?","start":2408.405,"end":2409.945,"sentiment":"neutral","sentiment_score":0.14502067118883133},{"text":"Beautiful.","start":2412.8,"end":2413.28,"sentiment":"positive","sentiment_score":0.749695897102356},{"text":"Has excellent.","start":2413.28,"end":2414.9,"sentiment":"positive","sentiment_score":0.7026295065879822},{"text":"Has any questions come out of it so far?","start":2414.96,"end":2416.96,"sentiment":"neutral","sentiment_score":0.26037462221251595},{"text":"Is there anything else that you think of that you might wanna ask?","start":2416.96,"end":2420.0,"sentiment":"neutral","sentiment_score":0.11528068150465305}],"sentiment":"neutral","sentiment_score":0.22406929085652033,"num_words":30,"start":2408.405,"end":2420.0},{"sentences":[{"text":"Or Yeah.","start":2420.0,"end":2432.615,"sentiment":"neutral","sentiment_score":-0.02949213981628418},{"text":"That's okay.","start":2432.615,"end":2433.4348,"sentiment":"neutral","sentiment_score":-0.027192672714591026},{"text":"That's alright.","start":2436.9348,"end":2437.755,"sentiment":"neutral","sentiment_score":-0.07394887134432793},{"text":"Yeah.","start":2438.295,"end":2438.79,"sentiment":"neutral","sentiment_score":-0.0584496334195137},{"text":"Not a problem.","start":2439.83,"end":2440.73,"sentiment":"neutral","sentiment_score":-0.0383161852757136}],"sentiment":"neutral","sentiment_score":-0.043466555699706075,"num_words":10,"start":2420.0,"end":2440.73},{"sentences":[{"text":"Mhmm.","start":2450.31,"end":2450.81,"sentiment":"neutral","sentiment_score":0.008390707895159721},{"text":"Yeah.","start":2455.7148,"end":2456.035,"sentiment":"neutral","sentiment_score":0.03346605598926544},{"text":"Dana.","start":2456.035,"end":2456.535,"sentiment":"neutral","sentiment_score":0.03609775006771088},{"text":"Yep.","start":2457.155,"end":2457.655,"sentiment":"neutral","sentiment_score":0.04183902591466904},{"text":"Yep.","start":2459.9548,"end":2460.275,"sentiment":"neutral","sentiment_score":0.04113922640681267}],"sentiment":"neutral","sentiment_score":0.03218655325472355,"num_words":5,"start":2450.31,"end":2460.275},{"sentences":[{"text":"It should at the top of the sender, it should be dana@ocfinancials.","start":2460.275,"end":2464.135,"sentiment":"neutral","sentiment_score":0.04169486152629057},{"text":"You should be right to just reply or just copy the email address.","start":2464.355,"end":2469.69,"sentiment":"neutral","sentiment_score":0.03695418628362509},{"text":"It should also have it under my photo there for you as well with my contact information.","start":2471.43,"end":2475.8499,"sentiment":"neutral","sentiment_score":0.047355376183986664},{"text":"Yep.","start":2483.365,"end":2483.865,"sentiment":"neutral","sentiment_score":0.009475918486714365},{"text":"Yeah.","start":2487.845,"end":2488.345,"sentiment":"neutral","sentiment_score":0.01366135198622942}],"sentiment":"neutral","sentiment_score":0.041111850581893865,"num_words":44,"start":2460.275,"end":2488.345},{"sentences":[{"text":"Yep.","start":2489.605,"end":2490.105,"sentiment":"neutral","sentiment_score":0.046773504465818405},{"text":"Yeah.","start":2492.8198,"end":2493.14,"sentiment":"neutral","sentiment_score":0.07158361375331879},{"text":"That'll come through to me.","start":2493.14,"end":2494.26,"sentiment":"neutral","sentiment_score":0.063209642842412},{"text":"I'll confirm that I've got it for you, and then I'll just get the team to the the Paris to go back.","start":2494.26,"end":2499.5398,"sentiment":"neutral","sentiment_score":0.21554893830960448},{"text":"We'll just double check the numbers together.","start":2499.5398,"end":2501.4,"sentiment":"neutral","sentiment_score":0.12727982444422586}],"sentiment":"neutral","sentiment_score":0.16854002073200214,"num_words":36,"start":2489.605,"end":2501.4},{"sentences":[{"text":"If there's no changes, I'll let you know we're all good.","start":2501.7798,"end":2504.475,"sentiment":"neutral","sentiment_score":0.32867810197851877},{"text":"And then if there is, we'll just get the new document updated and sent through to you.","start":2504.5552,"end":2508.635,"sentiment":"neutral","sentiment_score":0.2673779769855387},{"text":"Okay?","start":2508.635,"end":2509.135,"sentiment":"neutral","sentiment_score":0.1123020350933075},{"text":"That's okay.","start":2513.0352,"end":2513.855,"sentiment":"neutral","sentiment_score":0.297772154211998},{"text":"That's not a problem.","start":2513.915,"end":2515.215,"sentiment":"neutral","sentiment_score":0.2472701072692871}],"sentiment":"neutral","sentiment_score":0.2816517572317805,"num_words":35,"start":2501.7798,"end":2515.215},{"sentences":[{"text":"All good.","start":2515.675,"end":2516.415,"sentiment":"neutral","sentiment_score":0.26278015226125717},{"text":"Yeah.","start":2522.8,"end":2523.3,"sentiment":"neutral","sentiment_score":0.07888732850551605},{"text":"Thank you, Jill.","start":2524.56,"end":2525.7002,"sentiment":"neutral","sentiment_score":0.17594504604736963},{"text":"You're right.","start":2526.56,"end":2526.9602,"sentiment":"neutral","sentiment_score":0.1592966392636299},{"text":"If you get stuck, let us know.","start":2526.9602,"end":2528.6602,"sentiment":"neutral","sentiment_score":-0.14694444622312272}],"sentiment":"neutral","sentiment_score":0.028150995075702668,"num_words":15,"start":2515.675,"end":2528.6602},{"sentences":[{"text":"Give us a call.","start":2528.7202,"end":2529.52,"sentiment":"neutral","sentiment_score":0.0038937572389841062},{"text":"One of my team can certainly give you a hand.","start":2529.52,"end":2531.6,"sentiment":"neutral","sentiment_score":0.22264740169048308},{"text":"It's not an issue at all.","start":2531.6,"end":2532.7449,"sentiment":"neutral","sentiment_score":0.05413815379142761},{"text":"But, yeah, honestly, tell your mom sorry for taking up all your time, and I hope you have a great day.","start":2532.7449,"end":2538.765,"sentiment":"neutral","sentiment_score":0.03610756212756747},{"text":"That's not a problem.","start":2542.265,"end":2543.305,"sentiment":"positive","sentiment_score":0.6449227035045624}],"sentiment":"neutral","sentiment_score":0.13121839082903333,"num_words":45,"start":2528.7202,"end":2543.305},{"sentences":[{"text":"Thank you for taking my call.","start":2543.305,"end":2544.505,"sentiment":"positive","sentiment_score":0.8218328456083933},{"text":"I hope you have an amazing day.","start":2544.505,"end":2546.285,"sentiment":"positive","sentiment_score":0.7892834884779794},{"text":"Thanks, Julie.","start":2549.093,"end":2549.893,"sentiment":"positive","sentiment_score":0.5957902371883392},{"text":"Talk soon.","start":2549.893,"end":2550.4531,"sentiment":"positive","sentiment_score":0.46290381252765656},{"text":"See you later.","start":2550.4531,"end":2551.353,"sentiment":"positive","sentiment_score":0.3438307543595632}],"sentiment":"positive","sentiment_score":0.6802430927753449,"num_words":20,"start":2543.305,"end":2551.353},{"sentences":[{"text":"Bye.","start":2551.733,"end":2552.233,"sentiment":"neutral","sentiment_score":0.18403397500514984}],"sentiment":"neutral","sentiment_score":0.18403397500514984,"num_words":1,"start":2551.733,"end":2552.233}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Yeah. I could hear you. I mean, you I I was very safe, but I I could hear you, but, obviously, you couldn't hear me. Yes. Yep. No. That's that's fine. That's fine. Yes. I've actually got into the email the email. So I've got because I'm we only have our phone. So it is. So I've gone and it's it looks like it's signed there for me. And then I do I press yes. Yes. Yes. Yes. Yes. Yep. Yes. Alrighty. Oh, okay. Yep. Alright. Yep. As long as it does that yeah. Because yeah. Okay. Yep. Alright. We'll see how we go. Thank you. Yep. Yep. Yep. Lovely. Thank you. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yes. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yes. Yeah. Look. Yeah. We're not we've our hours have changed a little bit at work. Like, so we may not be getting as much overtime as I have been because I sort of started during COVID, and it was just, yeah, like, quite so, yeah, so what I've earned the last few years, it may not be going to be as much possibly. I don't know. Like, it might yeah. So that's a bit of a thing. I mean, I'm not sure. You know what I mean? I mean, I know around Christmas time, we'll be flat out, and we'll probably get overtime in saying that there's there's a couple hours overtime tonight. But but but, yeah, like, it's been since these new times, which is only this is probably our third week into the new hours. So yeah. So, like yeah. But anyway but, yeah, that's just about the only thing I think that may change. Well, that's the thing that I'm worried about that see, it might not yeah. That's yeah. Like I said, you you know, like I said, Christmas time will probably get plenty of overtime, but yeah, like, the last three weeks, well, we only like, the first because we get paid by fortnightly. So our rosters are fortnightly. So last fortnight, like, well, I think we got one hour overtime. You know? And then alright. There is there is two hours offered today, but it's very you know, I think it's gonna be a little bit rare. Yeah. So, like, it may it may come down. Yeah. Yeah. That's right. Yeah. I think I think overall, it was, like, about 94,000, like but that's like I said, that was with that was with overtime. That was that was still with tax, you know, I think it was down to, like, 70 let me have a look. But our base it does say what our base our base because we get paid today sometime. Okay. So our base, it's saying $65.65 and a half thousand is what if if there's no overtime, that's what we will earn. But if there is overtime offered, I mean, I always do it. Yeah. But like I said, it it might not be excuse me. It may not be, you know, like, as much as it is what I have been earning. So that's that's it's it's a bit of a bit of a worry. Yeah. Yeah. Yep. Well, that's true. Yes. Yes. Right. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. My mom is bloody trying to ring me. Jesus Christ. So that's alright. I'll let it go. She's 95. She lives on her own, and she'll be wanting me to do something. But anyway, that's alright. I'll I'll that's alright. She's gone. Okay. Sorry. Alright. Now I've got it to because, yeah, she's my my my brother that normally my my two older brothers are retired, but the one that lives just around the corner from mom is in Thailand till the end of the month. So he's you know, he would always sort of pop around and stuff like that. But because he's not he's not there, she's ringing me up because I'm only down the road as well. So that's alright. Sure. Yeah. I'll I'll ring her back. I'll ring her back when I I I've been yeah. Yes. Okay. So let me find page eight. Nine. Starting of nine. So your lifestyle asset, that one, and and liabilities, that one? Okay. Okay. So savings. Yeah. So that all seems to be the same. Yeah. That that part of it, the caravan, the cars, all that. Yeah. That's, yep, that's pretty much all the same. Yep. That's fine. Yep. Yep. Yep. Yep. That's yep. Yep. Yeah. I think so. I don't know. I'm always aware of you know, I I'm never ever sure. Yeah. Yeah. I don't know. Like, you guys are you know, you I mean, you guys are the experts. I mean, I mean and if you think, you know, maybe take a little bit more risk, you know, I'm happy to do that if you think so. I don't I don't know. I just I don't really understand a lot of this stuff. So Yes. Yes. Yes. Yes. Yep. Okay. Oh, hang on. Let me get down. So where are we page nine page 19? Like okay. Oh, I yeah. Okay. Righty. I hear we are here. Yeah. Okay. Yep. Alrighty. Right. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yes. Yes. Yep. No. That's fine. No. That's fine. Yep. Yep. Yep. Yep. Yep. Yes. Yes. Yes. Lovely. Yep. Yes. Yes. Yes. Yep. Yep. Absolutely. Yes. Lovely. Yes. Thank you. Yes. Okay. Yeah. 21, 22. Yep. Yep. Yep. Yes. Okay. Yes. Yes. Yes. Yep. Okay. Yep. Okay. Yep. Yes. Yes. Yep. Yes. Yes. Absolutely. Yes. Yeah. Well, I think so. Yeah. I don't see why I can't. Is is that the best thing to do? Yes. Still do do they do that? Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yes. Absolutely. Yeah. Yep. Yep. Oh, yeah. Here we go. Yep. Yes. Yes. Yes. Yes. Yep. Yep. Mhmm. Oh, wow. Yes. Absolutely. Yes. Yes. Yes. Yes. Yes. No. That's that's right. So but so you'll so you'll alter it. So will you sort of go back and alter it? Because that's the thing. Like, you're not sure. Like, I know, alright. I've earned this much, you know, like, well, the last year and the year before and stuff like that. But like I said, I'm just a bit worried that, you know, I may not earn that much. I suppose it's just hard to tell, isn't it? So without without without any yep. Yep. Yep. Okay. Yes. Okay. Yep. Yep. Yes. Yes. Yes. Yes. Yes. Yep. Yeah. I think I've just done print I think I've done the 300 a fortnight for the last, yeah, quite I haven't changed it. Like, it's always been that. So that I'll yeah. Yeah. Yep. Yep. Yeah. You'd might have to tell me how to do it. But But I I I can I can give you the one that we would have got like, we that we got today? So which is, you know, like like, the bare minimum pretty much. So without I think I think there's, like, one hour overtime in it. So yeah. So pretty much oh, what's this warning? Suspicious calling pattern. What the hell? Anyway, doesn't matter. We'll ignore that, whatever that is. You there? Oh, god. All all these weird phone calls. Wow. I know. Yeah. No. The other one was mom, but this one was, like like, from an Queensland number as well. Yeah. But anyway yeah. Oh, I had o seven I had o seven since I've never had that. I had warning suspicious something or other. So yeah. Don't know. Yeah. Yeah. But yeah. No. I can do that. You just won't have to so for yeah. I suppose if if as long as I got an aim as long as I got an email that I can put in, yeah, I can write down and put in, I should be able to do it. I'm not very tech savvy at all. Yep. Yeah, mate. Okay. So you're yes. No. That's alright. No. I can probably email it to you. So, yeah, I've got that your email address at the start of it on our on our little thing, haven't we, on our form with your email. Okay. Yep. Lovely. Yes. Thank you, Dana. Yes. I'll yep. Yep. Yes. Yeah. Yep. Yep. Yep. Yep. Everything will yeah. Yeah. Everything will just go to this. Yeah. Yeah. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yes. I think Carl explained that last time. Yes. Yes. Yes. That's fine. Yes. Yes. Absolutely. Yep. Yes. Absolutely. Yes. We can do yes. No. I don't think so. No. Like I said, I'm not very switched on with this kind of stuff. So, you know, I'd rather you you know you know best. Yeah. I don't sorta understand a lot of Yeah. I don't sort of understand a lot of it. But but yeah. Absolutely. Yes. That's fine. Okay. So I've got okay. So you've sent through that. So do I just do it straight to does it have your name or does it because I've got your so that you've sent through. I've got your little picture. Okay. I'll see how okay. Okay. Oh, yeah. It has two. I was just looking at the the o q one. Oh, yeah. Yeah. Dana@oq.net. Okay. So if I just send it to that, my my last payslip, that should be fine. Yes. Yep. Yes. Lovely. Thank you so much, Dana. Thank you. I'll I'll I'll do that right now. I'll do that, that I'll do that payslip right now. So oh, well, I'll try to. No. That's alright. Lovely. Thanks so much, Dana, for calling. Yeah. You too. Thank you so much. No worries. 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Yeah. Yeah. I could hear you. I mean, you I I was very safe, but I I could hear you, but, obviously, you couldn't hear me.\n\nYes. Yep. No. That's that's fine. That's fine.\n\nYes. I've actually got into the email the email. So I've got because I'm we only have our phone. So it is. So I've gone and it's it looks like it's signed there for me.\n\nAnd then I do I press yes. Yes. Yes. Yes. Yes.\n\nYep. Yes. Alrighty. Oh, okay. Yep.\n\nAlright. Yep. As long as it does that yeah. Because yeah. Okay.\n\nYep. Alright. We'll see how we go. Thank you. Yep.\n\nYep. Yep. Lovely. Thank you. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yes. Yes.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yeah. Look. Yeah.\n\nWe're not we've our hours have changed a little bit at work. Like, so we may not be getting as much overtime as I have been because I sort of started during COVID, and it was just, yeah, like, quite so, yeah, so what I've earned the last few years, it may not be going to be as much possibly. I don't know. Like, it might yeah. So that's a bit of a thing.\n\nI mean, I'm not sure. You know what I mean? I mean, I know around Christmas time, we'll be flat out, and we'll probably get overtime in saying that there's there's a couple hours overtime tonight. But but but, yeah, like, it's been since these new times, which is only this is probably our third week into the new hours. So yeah.\n\nSo, like yeah. But anyway but, yeah, that's just about the only thing I think that may change. Well, that's the thing that I'm worried about that see, it might not yeah. That's yeah. Like I said, you you know, like I said, Christmas time will probably get plenty of overtime, but yeah, like, the last three weeks, well, we only like, the first because we get paid by fortnightly.\n\nSo our rosters are fortnightly. So last fortnight, like, well, I think we got one hour overtime. You know? And then alright. There is there is two hours offered today, but it's very you know, I think it's gonna be a little bit rare.\n\nYeah. So, like, it may it may come down. Yeah. Yeah. That's right.\n\nYeah. I think I think overall, it was, like, about 94,000, like but that's like I said, that was with that was with overtime. That was that was still with tax, you know, I think it was down to, like, 70 let me have a look. But our base it does say what our base our base because we get paid today sometime. Okay.\n\nSo our base, it's saying $65.65 and a half thousand is what if if there's no overtime, that's what we will earn. But if there is overtime offered, I mean, I always do it. Yeah. But like I said, it it might not be excuse me. It may not be, you know, like, as much as it is what I have been earning.\n\nSo that's that's it's it's a bit of a bit of a worry. Yeah. Yeah. Yep. Well, that's true.\n\nYes. Yes. Right. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. My mom is bloody trying to ring me. Jesus Christ. So that's alright.\n\nI'll let it go. She's 95. She lives on her own, and she'll be wanting me to do something. But anyway, that's alright. I'll I'll that's alright.\n\nShe's gone. Okay. Sorry. Alright. Now I've got it to because, yeah, she's my my my brother that normally my my two older brothers are retired, but the one that lives just around the corner from mom is in Thailand till the end of the month.\n\nSo he's you know, he would always sort of pop around and stuff like that. But because he's not he's not there, she's ringing me up because I'm only down the road as well. So that's alright. Sure. Yeah.\n\nI'll I'll ring her back. I'll ring her back when I I I've been yeah. Yes. Okay. So let me find page eight.\n\nNine. Starting of nine. So your lifestyle asset, that one, and and liabilities, that one? Okay. Okay.\n\nSo savings. Yeah. So that all seems to be the same. Yeah. That that part of it, the caravan, the cars, all that.\n\nYeah. That's, yep, that's pretty much all the same. Yep. That's fine. Yep.\n\nYep. Yep. Yep. That's yep. Yep.\n\nYeah. I think so. I don't know. I'm always aware of you know, I I'm never ever sure. Yeah.\n\nYeah. I don't know. Like, you guys are you know, you I mean, you guys are the experts. I mean, I mean and if you think, you know, maybe take a little bit more risk, you know, I'm happy to do that if you think so. I don't I don't know.\n\nI just I don't really understand a lot of this stuff. So Yes. Yes. Yes. Yes.\n\nYep. Okay. Oh, hang on. Let me get down. So where are we page nine page 19?\n\nLike okay. Oh, I yeah. Okay. Righty. I hear we are here.\n\nYeah. Okay. Yep. Alrighty. Right.\n\nYep. Yep. Yep. Yep. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYes. Yes. Yep. No. That's fine.\n\nNo. That's fine. Yep. Yep. Yep.\n\nYep. Yep. Yes. Yes. Yes.\n\nLovely. Yep. Yes. Yes. Yes.\n\nYep. Yep. Absolutely. Yes. Lovely.\n\nYes. Thank you. Yes. Okay. Yeah.\n\n21, 22. Yep. Yep. Yep. Yes.\n\nOkay. Yes. Yes. Yes. Yep.\n\nOkay. Yep. Okay. Yep. Yes.\n\nYes. Yep. Yes. Yes. Absolutely.\n\nYes. Yeah. Well, I think so. Yeah. I don't see why I can't.\n\nIs is that the best thing to do? Yes. Still do do they do that? Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYep. Yes. Absolutely. Yeah. Yep.\n\nYep. Oh, yeah. Here we go. Yep. Yes.\n\nYes. Yes. Yes. Yep. Yep.\n\nMhmm. Oh, wow. Yes. Absolutely. Yes.\n\nYes. Yes. Yes. Yes. No.\n\nThat's that's right. So but so you'll so you'll alter it. So will you sort of go back and alter it? Because that's the thing. Like, you're not sure.\n\nLike, I know, alright. I've earned this much, you know, like, well, the last year and the year before and stuff like that. But like I said, I'm just a bit worried that, you know, I may not earn that much. I suppose it's just hard to tell, isn't it? So without without without any yep.\n\nYep. Yep. Okay. Yes. Okay.\n\nYep. Yep. Yes. Yes. Yes.\n\nYes. Yes. Yep. Yeah. I think I've just done print I think I've done the 300 a fortnight for the last, yeah, quite I haven't changed it.\n\nLike, it's always been that. So that I'll yeah. Yeah. Yep. Yep.\n\nYeah. You'd might have to tell me how to do it. But But I I I can I can give you the one that we would have got like, we that we got today? So which is, you know, like like, the bare minimum pretty much. So without I think I think there's, like, one hour overtime in it.\n\nSo yeah. So pretty much oh, what's this warning? Suspicious calling pattern. What the hell? Anyway, doesn't matter.\n\nWe'll ignore that, whatever that is. You there? Oh, god. All all these weird phone calls. Wow.\n\nI know. Yeah. No. The other one was mom, but this one was, like like, from an Queensland number as well. Yeah.\n\nBut anyway yeah. Oh, I had o seven I had o seven since I've never had that. I had warning suspicious something or other. So yeah. Don't know.\n\nYeah. Yeah. But yeah. No. I can do that.\n\nYou just won't have to so for yeah. I suppose if if as long as I got an aim as long as I got an email that I can put in, yeah, I can write down and put in, I should be able to do it. I'm not very tech savvy at all. Yep. Yeah, mate.\n\nOkay. So you're yes. No. That's alright. No.\n\nI can probably email it to you. So, yeah, I've got that your email address at the start of it on our on our little thing, haven't we, on our form with your email. Okay. Yep. Lovely.\n\nYes. Thank you, Dana. Yes. I'll yep. Yep.\n\nYes. Yeah. Yep. Yep. Yep.\n\nYep. Everything will yeah. Yeah. Everything will just go to this. Yeah.\n\nYeah. Yes. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yes.\n\nYes. I think Carl explained that last time. Yes. Yes. Yes.\n\nThat's fine. Yes. Yes. Absolutely. Yep.\n\nYes. Absolutely. Yes. We can do yes. No.\n\nI don't think so. No. Like I said, I'm not very switched on with this kind of stuff. So, you know, I'd rather you you know you know best. Yeah.\n\nI don't sorta understand a lot of Yeah. I don't sort of understand a lot of it. But but yeah. Absolutely. Yes.\n\nThat's fine. Okay. So I've got okay. So you've sent through that. So do I just do it straight to does it have your name or does it because I've got your so that you've sent through.\n\nI've got your little picture. Okay. I'll see how okay. Okay. Oh, yeah.\n\nIt has two. I was just looking at the the o q one. Oh, yeah. Yeah. Dana@oq.net.\n\nOkay. So if I just send it to that, my my last payslip, that should be fine. Yes. Yep. Yes.\n\nLovely. Thank you so much, Dana. Thank you. I'll I'll I'll do that right now. I'll do that, that I'll do that payslip right now.\n\nSo oh, well, I'll try to. No. That's alright. Lovely. Thanks so much, Dana, for calling.\n\nYeah. You too. Thank you so much. No worries. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.016625434160232544},{"text":"Yeah.","start":6.56,"end":6.8799996,"sentiment":"neutral","sentiment_score":-0.05559074133634567},{"text":"Yeah.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":-0.03372946381568909},{"text":"I could hear you.","start":7.2799997,"end":8.16,"sentiment":"neutral","sentiment_score":-0.04509551916271448},{"text":"I mean, you I I was very safe, but I I could hear you, but, obviously, you couldn't hear 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not we've our hours have changed a little bit at work.","start":335.575,"end":339.035,"sentiment":"neutral","sentiment_score":-0.2783011881013711},{"text":"Like, so we may not be getting as much overtime as I have been because I sort of started during COVID, and it was just, yeah, like, quite so, yeah, so what I've earned the last few years, it may not be going to be as much possibly.","start":340.7,"end":360.225,"sentiment":"neutral","sentiment_score":-0.21465104517604536},{"text":"I don't know.","start":360.365,"end":361.085,"sentiment":"neutral","sentiment_score":-0.3026258846124013},{"text":"Like, it might yeah.","start":361.085,"end":362.785,"sentiment":"neutral","sentiment_score":-0.24918677285313606},{"text":"So that's a bit of a thing.","start":363.005,"end":364.685,"sentiment":"neutral","sentiment_score":-0.32674662343093325}],"sentiment":"neutral","sentiment_score":-0.24100966939098528,"num_words":74,"start":335.575,"end":364.685},{"sentences":[{"text":"I mean, I'm not 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sometime.","start":500.035,"end":507.91,"sentiment":"neutral","sentiment_score":0.03406714527484249},{"text":"Okay.","start":510.13,"end":510.53,"sentiment":"neutral","sentiment_score":0.04328672215342522}],"sentiment":"neutral","sentiment_score":0.0285094186256174,"num_words":64,"start":475.98502,"end":510.53},{"sentences":[{"text":"So our base, it's saying $65.65 and a half thousand is what if if there's no overtime, that's what we will earn.","start":510.53,"end":520.005,"sentiment":"neutral","sentiment_score":0.0698073221878572},{"text":"But if there is overtime offered, I mean, I always do it.","start":520.005,"end":524.745,"sentiment":"neutral","sentiment_score":0.08460550382733345},{"text":"Yeah.","start":526.485,"end":526.885,"sentiment":"neutral","sentiment_score":0.07687932252883911},{"text":"But like I said, it it might not be excuse me.","start":526.885,"end":530.16504,"sentiment":"neutral","sentiment_score":-0.03670348328622905},{"text":"It may not be, you know, like, as 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mom is bloody trying to ring me.","start":638.045,"end":639.96497,"sentiment":"negative","sentiment_score":-0.5035839974880219},{"text":"Jesus Christ.","start":639.96497,"end":640.925,"sentiment":"neutral","sentiment_score":-0.19543109089136124},{"text":"So that's alright.","start":640.925,"end":643.40497,"sentiment":"neutral","sentiment_score":-0.04939488631983598}],"sentiment":"neutral","sentiment_score":-0.28760159177084765,"num_words":15,"start":609.995,"end":643.40497},{"sentences":[{"text":"I'll let it go.","start":643.40497,"end":644.46497,"sentiment":"neutral","sentiment_score":0.009436724241822958},{"text":"She's 95.","start":645.0,"end":645.80005,"sentiment":"neutral","sentiment_score":-0.050888266414403915},{"text":"She lives on her own, and she'll be wanting me to do something.","start":645.80005,"end":648.68,"sentiment":"neutral","sentiment_score":-0.0852354819384905},{"text":"But anyway, that's alright.","start":648.68,"end":650.04004,"sentiment":"neutral","sentiment_score":-0.0114962391089648},{"text":"I'll I'll that's alright.","start":650.04004,"end":651.4,"sentiment":"neutral","sentiment_score":-0.02852167550008744}],"sentiment":"neutral","sentiment_score":-0.049339354055485236,"num_words":27,"start":643.40497,"end":651.4},{"sentences":[{"text":"She's gone.","start":651.4,"end":652.38,"sentiment":"neutral","sentiment_score":-0.23615235090255737},{"text":"Okay.","start":652.44,"end":652.94,"sentiment":"neutral","sentiment_score":-0.05819307267665863},{"text":"Sorry.","start":653.08,"end":653.58,"sentiment":"neutral","sentiment_score":-0.12896642088890076},{"text":"Alright.","start":653.96,"end":654.28,"sentiment":"neutral","sentiment_score":0.017143219709396362},{"text":"Now I've got it to because, yeah, she's my my my brother that normally my my two older brothers are retired, but the one that lives just around the corner from mom is in Thailand till the end of the 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that's right.","start":1999.995,"end":2000.715,"sentiment":"neutral","sentiment_score":0.2060635406523943},{"text":"So but so you'll so you'll alter it.","start":2000.715,"end":2003.0349,"sentiment":"neutral","sentiment_score":0.05922492721583694},{"text":"So will you sort of go back and alter it?","start":2003.0349,"end":2006.86,"sentiment":"neutral","sentiment_score":-0.019187413342297076},{"text":"Because that's the thing.","start":2008.52,"end":2010.6799,"sentiment":"neutral","sentiment_score":-0.14719791151583195},{"text":"Like, you're not sure.","start":2010.6799,"end":2011.7999,"sentiment":"neutral","sentiment_score":-0.23411747813224792}],"sentiment":"neutral","sentiment_score":-0.021556746632117648,"num_words":29,"start":1999.995,"end":2011.7999},{"sentences":[{"text":"Like, I know, alright.","start":2011.7999,"end":2012.6,"sentiment":"neutral","sentiment_score":-0.176977401599288},{"text":"I've earned this much, you know, like, well, the last year and the year before and 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yeah.","start":2439.12,"end":2439.8801,"sentiment":"neutral","sentiment_score":-0.08577506989240646},{"text":"Absolutely.","start":2439.8801,"end":2440.07,"sentiment":"neutral","sentiment_score":-0.08074973523616791},{"text":"Yes.","start":2440.07,"end":2440.26,"sentiment":"neutral","sentiment_score":-0.004446127451956272}],"sentiment":"neutral","sentiment_score":-0.10297251226041805,"num_words":22,"start":2433.795,"end":2440.26},{"sentences":[{"text":"That's fine.","start":2440.26,"end":2440.6401,"sentiment":"neutral","sentiment_score":0.06508184969425201},{"text":"Okay.","start":2440.6401,"end":2440.83,"sentiment":"neutral","sentiment_score":0.0568554550409317},{"text":"So I've got okay.","start":2440.83,"end":2444.6401,"sentiment":"neutral","sentiment_score":0.06550867203623056},{"text":"So you've sent through that.","start":2445.4202,"end":2449.26,"sentiment":"neutral","sentiment_score":0.05691935196518898},{"text":"So do I just do it straight to does it have your name or does it because I've got your so that you've sent through.","start":2449.26,"end":2457.765,"sentiment":"neutral","sentiment_score":0.007974857836961747}],"sentiment":"neutral","sentiment_score":0.02521681211687423,"num_words":37,"start":2440.26,"end":2457.765},{"sentences":[{"text":"I've got your little picture.","start":2457.765,"end":2459.145,"sentiment":"neutral","sentiment_score":0.05519482269883156},{"text":"Okay.","start":2470.4202,"end":2470.9202,"sentiment":"neutral","sentiment_score":0.05429360643029213},{"text":"I'll see how okay.","start":2471.3801,"end":2477.32,"sentiment":"neutral","sentiment_score":0.04831469804048538},{"text":"Okay.","start":2479.945,"end":2480.445,"sentiment":"neutral","sentiment_score":0.02788543328642845},{"text":"Oh, yeah.","start":2480.985,"end":2481.465,"sentiment":"neutral","sentiment_score":0.027690050192177296}],"sentiment":"neutral","sentiment_score":0.04667631121209034,"num_words":13,"start":2457.765,"end":2481.465},{"sentences":[{"text":"It has two.","start":2481.465,"end":2481.945,"sentiment":"neutral","sentiment_score":0.014260992407798767},{"text":"I was just looking at the the o q one.","start":2481.945,"end":2484.665,"sentiment":"neutral","sentiment_score":0.006389951892197132},{"text":"Oh, yeah.","start":2484.665,"end":2484.985,"sentiment":"neutral","sentiment_score":0.019325324334204197},{"text":"Yeah.","start":2484.985,"end":2485.225,"sentiment":"neutral","sentiment_score":0.020383279770612717},{"text":"Dana@oq.net.","start":2485.225,"end":2486.745,"sentiment":"neutral","sentiment_score":0.02258932590484619}],"sentiment":"neutral","sentiment_score":0.011076808852307937,"num_words":17,"start":2481.465,"end":2486.745},{"sentences":[{"text":"Okay.","start":2486.745,"end":2487.145,"sentiment":"neutral","sentiment_score":0.022531408816576004},{"text":"So if I just send it to that, my my last payslip, that should be fine.","start":2487.145,"end":2492.3599,"sentiment":"neutral","sentiment_score":0.04995178524404764},{"text":"Yes.","start":2493.46,"end":2493.96,"sentiment":"neutral","sentiment_score":0.08120478689670563},{"text":"Yep.","start":2501.78,"end":2502.28,"sentiment":"neutral","sentiment_score":0.13106398284435272},{"text":"Yes.","start":2509.635,"end":2510.135,"sentiment":"neutral","sentiment_score":0.29672980308532715}],"sentiment":"neutral","sentiment_score":0.0665379272773862,"num_words":20,"start":2486.745,"end":2510.135},{"sentences":[{"text":"Lovely.","start":2510.195,"end":2510.675,"sentiment":"positive","sentiment_score":0.6944581270217896},{"text":"Thank you so much, Dana.","start":2510.675,"end":2512.195,"sentiment":"positive","sentiment_score":0.755083954334259},{"text":"Thank you.","start":2512.195,"end":2512.855,"sentiment":"positive","sentiment_score":0.6383180618286133},{"text":"I'll I'll I'll do that right now.","start":2513.475,"end":2517.415,"sentiment":"neutral","sentiment_score":0.2372117734381131},{"text":"I'll do that, that I'll do that payslip right now.","start":2517.475,"end":2523.84,"sentiment":"neutral","sentiment_score":0.1511321570724249}],"sentiment":"positive","sentiment_score":0.35673272028565406,"num_words":25,"start":2510.195,"end":2523.84},{"sentences":[{"text":"So oh, well, I'll try to.","start":2523.84,"end":2525.62,"sentiment":"neutral","sentiment_score":0.13044368599851927},{"text":"No.","start":2537.2148,"end":2537.375,"sentiment":"neutral","sentiment_score":-0.11352697759866714},{"text":"That's alright.","start":2537.375,"end":2538.195,"sentiment":"neutral","sentiment_score":0.14032231830060482},{"text":"Lovely.","start":2539.2148,"end":2539.7148,"sentiment":"positive","sentiment_score":0.7158122062683105},{"text":"Thanks so much, Dana, for calling.","start":2539.775,"end":2541.635,"sentiment":"positive","sentiment_score":0.766600102186203}],"sentiment":"positive","sentiment_score":0.39157453714869916,"num_words":16,"start":2523.84,"end":2541.635},{"sentences":[{"text":"Yeah.","start":2546.59,"end":2546.83,"sentiment":"positive","sentiment_score":0.4448446035385132},{"text":"You too.","start":2546.83,"end":2547.4702,"sentiment":"positive","sentiment_score":0.4593520760536194},{"text":"Thank you so much.","start":2547.4702,"end":2548.61,"sentiment":"positive","sentiment_score":0.7107472866773605},{"text":"No worries.","start":2550.9102,"end":2551.6501,"sentiment":"neutral","sentiment_score":0.19813517481088638},{"text":"Bye bye.","start":2551.7102,"end":2552.4502,"sentiment":"neutral","sentiment_score":0.03437377512454986}],"sentiment":"positive","sentiment_score":0.4246868911114606,"num_words":11,"start":2546.59,"end":2552.4502}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Julie. It's Dana again from Okie Financial. Can you hear me? I'm so sorry.\n\nChannel 1: Yeah. Yeah. I could hear you. I mean, you I I was very safe, but I I could hear you, but, obviously, you couldn't hear me. Yes.\n\nChannel 0: No. It was so bizarre. When the email sent to you, then\n\nChannel 1: Yep.\n\nChannel 0: the phone hung up, and I couldn't work out why. Like, our phone's an Internet based system, but it kinda sent you the email, and then we lost contact. And then I tried when you call back again, you were transferred through, and I couldn't hear anything. And I was like, okay. The IT guys need to fix this, so I'm gonna call off my phone, and we'll go sit in an office somewhere.\n\nSorry about that.\n\nChannel 1: No. That's that's fine. That's fine. Yes. I've actually got into the email the email.\n\nChannel 0: Fantastic.\n\nChannel 1: So I've got because I'm we only have our phone. So\n\nChannel 0: Okay. It might be a little bit small. That's alright.\n\nChannel 1: it is. So I've gone and it's it looks like it's signed there for me.\n\nChannel 0: It\n\nChannel 1: And then I\n\nChannel 0: there's\n\nChannel 1: do I\n\nChannel 0: a\n\nChannel 1: press\n\nChannel 0: live yes. So there's a button that says sign here, and it takes you to the signing prompts. But what I sort of wanted you to do before you sign it is just to press that button so it takes you through. So you could just sort of scroll up and down through the document. Is it letting you do that?\n\nChannel 1: yes. Yes. Yes. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. Perfect. So what we'll do is we'll go through that really quickly. On the very last page where the signing section is, you'll see the little areas that has your name pre filled in there, but it's\n\nChannel 1: Yes.\n\nChannel 0: not officially signed as of yet. You just need to click on the document when you're comfortable to proceed with the advice. Okay?\n\nChannel 1: Alrighty. Oh, okay.\n\nChannel 0: Yes.\n\nChannel 1: Yep. Alright. Yep. As long\n\nChannel 0: Oh\n\nChannel 1: as it does that yeah.\n\nChannel 0: oh,\n\nChannel 1: Because yeah. Okay.\n\nChannel 0: yeah.\n\nChannel 1: Yep. Alright. We'll see how we go.\n\nChannel 0: Yeah. That's okay. I will help you. Don't worry.\n\nChannel 1: Thank you.\n\nChannel 0: That's alright. I'll take you through a bit by bit. Essentially, if you do have any questions as we are going through, let me know.\n\nChannel 1: Yep.\n\nChannel 0: But as you spoke to my colleague Kyle a few months ago, and he was looking to do that transfer your time strategy for you. Kyle has unfortunately left the company. He's gone on to some greener parts. He just wanted to look at some trying out some other advice as an adviser.\n\nChannel 1: Yep.\n\nChannel 0: So I've taken over your file, put this together, and I've had a really good look at, you know, your super and made a few other recommendations for you as well. Okay?\n\nChannel 1: Yep. Lovely. Thank you.\n\nChannel 0: That's okay. Now on the front page, there are notes this document has been prepared for yourself. Julie Fenwick, as of the 07/13/2026, now our advice is valid for thirty days from the date on the document there. That's, like, sixty\n\nChannel 1: Yep.\n\nChannel 0: days from the date on the document. Underneath there, we've also got my authorized representative number. So as a full licensed adviser, I am registered through ASIC, and my registration number is 1304394. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: The next page outlines the best interest, Judy. So it is important to note that we go through the process we do with providing advice because we are looking at your, you know, advice this is your super. This is your retirement. So we wanna make sure we take very good care of that, and any advice we do provide, those need to be provided in best interest as per the corporations act, making sure that we're here to meet your goals and that the advice is reviewed and updated as it needs to be as we work towards your goals and your retirement. Alright?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Excellent. The next couple of pages outline the areas that we are scoping in and out. So you wanted to look at superannuation. You were hoping to ideally retire by the age of 67, income to be drawn down in retirement. Expect it to be about $800 per week to maintain your current lifestyle.\n\nYou\n\nChannel 1: Yes.\n\nChannel 0: wanted to explore additional strategies to help and grow your super in terms of investments and contribution strategies to help get you the best retirement outcome possible.\n\nChannel 1: Yep. Yep.\n\nChannel 0: With the beneficiaries, because we are looking at you, super, we do scoping the beneficiary side of things. When we are looking at transition or retirement strategies, we also need to make sure your beneficiaries are updated for each individual account. So I've also scoped in a state planning in the beneficiary side of things there for you.\n\nChannel 1: Yes. Yes.\n\nChannel 0: The scoping the limited scoping is more in in reference to areas that we're not making new recommendations around, but we are keeping sort of so dim because it has an effect on on the other recommendations. So, essentially, this is in relation to insurances. So you do have some insurances, some life and TBD, which is essentially paid out of your super. So whilst\n\nChannel 1: Yes.\n\nChannel 0: you kind of made mention to Kyle you were happy with the level of cover you had, didn't really wanna get any more cover or alter that. Because it is paid out of super, we do keep that it's on a limited scope scoped into the advice because it has an effect on your retirement. The premiums are still coming out of your super. We need to understand that, and that is reflected into the projection table for you. Does that make sense?\n\nChannel 1: Yep. Yep. Yep. Yep. Yep.\n\nChannel 0: Beautiful. Areas that we're not looking at any additional advice on the next page is so budget and savings. We've also got your debt, so debt management there as well, so things like your mortgage. And then, obviously, income protection and trauma, you don't have any of those. You didn't really wanna get any new cover at the moment.\n\nWe're sort of going towards the light at the end of the tunnel there with that. You know, you're getting closer to to retirement, so we wanna focus on getting your super as high as possible. So we weren't looking at any additional insurances.\n\nChannel 1: Yes.\n\nChannel 0: Is there anything that might have changed? Is that all still okay, appropriate?\n\nChannel 1: Yeah. Look. Yeah. We're not we've our hours have changed a little bit at work.\n\nChannel 0: Okay.\n\nChannel 1: Like, so we may not be getting as much overtime as I have been because I sort of started during COVID, and it was just, yeah, like, quite so, yeah, so what I've earned the\n\nChannel 0: Okay.\n\nChannel 1: last few years, it may not be going to be as much possibly. I don't\n\nChannel 0: Yep.\n\nChannel 1: know. Like, it might yeah. So that's a bit of a thing. I mean, I'm not sure. You know what I mean?\n\nI mean, I know around Christmas time, we'll be flat out, and we'll probably get overtime in saying that there's there's a couple hours overtime tonight. But but\n\nChannel 0: Yeah.\n\nChannel 1: but, yeah, like, it's been since these new times, which is only this is probably our third week into the new hours.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. So, like yeah. But anyway but, yeah, that's just about the only thing I think that may change.\n\nChannel 0: Okay. Your income we had noted down when you spoke to Kyle last time was about 85,000 per annum. Do you still feel like that's pretty close to what you'd be earning?\n\nChannel 1: Well, that's the thing that I'm worried about\n\nChannel 0: Not\n\nChannel 1: that see, it might not yeah. That's yeah. Like I said, you you know, like I said, Christmas time will probably get plenty of\n\nChannel 0: sure.\n\nChannel 1: overtime, but yeah, like, the last three weeks, well, we only like, the first because we get paid by fortnightly. So our rosters are fortnightly. So last fortnight, like, well, I think we got one hour overtime. You know? And then\n\nChannel 0: Right.\n\nChannel 1: alright. There is there is two hours offered today, but it's very you know, I think it's gonna be a little bit rare. Yeah. So, like, it may it may come down. Yeah.\n\nChannel 0: Yeah. Okay. Because the main thing with, like, the your time strategy is that it does sort of draw off your income. Obviously, if your income's a bit lower, it does mean what you draw down tends to top up your income a little bit more, which may may mean you end up with a bit more income. But I probably just wanna double check maybe a payslip or two to find out what your base rate is just to make sure this strategy is going to work for you.\n\nWe don't wanna end up, you know, recommending too many more contributions in if you can't afford to do that and or, you know, upsetting your income too much.\n\nChannel 1: Yeah. That's\n\nChannel 0: Do\n\nChannel 1: right.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Do you know what your total income was last financial year?\n\nChannel 1: I think I think overall, it was, like, about 94,000, like but that's like I said,\n\nChannel 0: Okay.\n\nChannel 1: that was with that was with\n\nChannel 0: Was it overtime?\n\nChannel 1: overtime.\n\nChannel 0: Yeah.\n\nChannel 1: That was that was still with tax, you know, I think it was down to, like, 70 let me have a look.\n\nChannel 0: Yeah. So\n\nChannel 1: But our\n\nChannel 0: you\n\nChannel 1: base\n\nChannel 0: said\n\nChannel 1: it\n\nChannel 0: 90\n\nChannel 1: does say\n\nChannel 0: four?\n\nChannel 1: what our base our base\n\nChannel 0: Okay.\n\nChannel 1: because we get paid today sometime.\n\nChannel 0: Oh, no.\n\nChannel 1: Okay. So our base, it's saying $65.65 and a half thousand is what if if there's no overtime, that's what we will earn. But\n\nChannel 0: Okay.\n\nChannel 1: if there is overtime offered, I mean, I always do it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. But\n\nChannel 0: That's\n\nChannel 1: like I said,\n\nChannel 0: okay.\n\nChannel 1: it it might not be excuse me. It may not be, you know, like, as much as it is what I have been earning. So that's\n\nChannel 0: Absolutely.\n\nChannel 1: that's\n\nChannel 0: No.\n\nChannel 1: it's\n\nChannel 0: Yeah.\n\nChannel 1: it's a bit\n\nChannel 0: No.\n\nChannel 1: of a\n\nChannel 0: That's\n\nChannel 1: bit\n\nChannel 0: okay.\n\nChannel 1: of a worry. Yeah.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. Well, what I would probably look at doing is just updating the the TTR strategy to maybe reflect changes to your income, and we maybe just do that off the 65,500. So we work off your base salary. That essentially\n\nChannel 1: Yep.\n\nChannel 0: means that anything more that you earn on top of that is only gonna be a benefit to you, but it all it just also means that we don't have to you know, if you don't get any overtime, it's not gonna negatively impact you in any way. So\n\nChannel 1: Well, that's true. Yes. Yes.\n\nChannel 0: yeah.\n\nChannel 1: Right.\n\nChannel 0: So what I can do, if you like, is I'll take you through the advice. I'll show you what it looks like now. And\n\nChannel 1: Yep.\n\nChannel 0: then if you want, I can just go back. So you're with no way over time, your base salary is 65,500 per annum. Is that right?\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So what I'll do is after the call,\n\nChannel 1: Yep.\n\nChannel 0: I don't sign it. What I'll do is I'll just go back to the team. We'll just redig the numbers a bit for that TTR strategy. And then when I've got that ready, I'll email it back to you, and I'll just give you a bit of a call So just\n\nChannel 1: Yep.\n\nChannel 0: say, hey. This is the new strategy with the numbers. We'll go through that together, and then you\n\nChannel 1: Yep.\n\nChannel 0: can let me know what you wanna do. But the first part of this is still appropriate. So I'll still take you through what we've got here just to kinda clarify.\n\nChannel 1: Yep.\n\nChannel 0: The other thing I had down here, if you scroll down to page number nine for me, we only had just your assets and liabilities noted down as per your last conversation with Kyle there. Can you just run through those to double check if that's still still fairly close accurate? Are there any changes that you'd like me to make to those numbers for you?\n\nChannel 1: My mom is bloody trying to ring me. Jesus Christ. So\n\nChannel 0: Oh, no. You're\n\nChannel 1: that's\n\nChannel 0: right.\n\nChannel 1: alright. I'll let it go.\n\nChannel 0: Yep.\n\nChannel 1: She's 95. She lives on her own, and she'll be wanting me to do something. But anyway, that's alright.\n\nChannel 0: Yeah.\n\nChannel 1: I'll I'll that's alright. She's gone. Okay. Sorry.\n\nChannel 0: Oh,\n\nChannel 1: Alright. Now\n\nChannel 0: no.\n\nChannel 1: I've got\n\nChannel 0: You're\n\nChannel 1: it to\n\nChannel 0: fine.\n\nChannel 1: because, yeah, she's my my my brother that normally my my two older brothers are retired, but the one that lives just around the corner from mom is in Thailand till the end of the month. So he's you know, he would always sort of pop around and stuff like that. But because he's not he's not there, she's ringing me up because I'm only down the road as well. So that's alright. Sure.\n\nYeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'll\n\nChannel 0: That's\n\nChannel 1: I'll ring\n\nChannel 0: alright.\n\nChannel 1: her back. I'll ring her back when I\n\nChannel 0: Just\n\nChannel 1: I\n\nChannel 0: let\n\nChannel 1: I've\n\nChannel 0: yeah.\n\nChannel 1: been\n\nChannel 0: Just apologize\n\nChannel 1: yeah.\n\nChannel 0: for me, Faye. I'm so\n\nChannel 1: Yes.\n\nChannel 0: sorry. I took up all your precious time.\n\nChannel 1: Okay. So let me find page\n\nChannel 0: Yep.\n\nChannel 1: eight. Nine. Starting of nine. So your lifestyle asset, that one, and and liabilities,\n\nChannel 0: That's the one.\n\nChannel 1: that one?\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So this I'm checking those. Are there any major changes that you'd like to have updated?\n\nChannel 1: Okay. So savings. Yeah. So that all seems to be the same. Yeah.\n\nThat that part of it, the caravan,\n\nChannel 0: Yep. So pretty accurate.\n\nChannel 1: the cars, all that. Yeah. That's, yep, that's pretty much all the same. Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: fine. Yep. Yep. Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep. That's\n\nChannel 0: Excellent.\n\nChannel 1: yep.\n\nChannel 0: Now the other thing is if you're going down to page number 11 there, you've got your risk profile. So when you and Kyle spoke to did your annual review, you are in a more of a balanced growth environment. So when you consider risk out of a number between one and five, five being the highest level of risk, one being the lowest, you're sort of sitting at that two, two and a half to three mark. So in that middle range there, a balanced growth environment is looking to still get some growth out of your super, but you are kind of in that closest sort of retirement era where you are transitioning down and wanting to reduce your risk. So this sort of environment sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other generally 30% in lower risk defensive investments like cash, bonds, and fixed interest.\n\nThis sort of portfolio does suit someone who is, you know, looking to access their super in essentially the next five years, so it does suit your time horizon. You can be in this sort of area with a longer with a lesser time horizon, but it's more about just reducing your risk level, you know, gradually as you get closer to retiring.\n\nChannel 1: Yep.\n\nChannel 0: But we still wanna have some of those growth assets within all the portfolios even in retirement because we still wanna get longevity. Most of the people I talk to say, look, I'm getting to 67. I don't wanna take any risk anymore, but then you kinda have to think about most people in retirement spend ten, twenty, thirty, even forty years. It's a whole another lifetime in retirement. So, you know, it's about that still longevity.\n\nYou still wanna make your super last as long as possible. So does that kind of balanced growth area still suit where you're at, do you think?\n\nChannel 1: Yeah. I think so. I don't know. I'm always aware of you know, I I'm never ever sure.\n\nChannel 0: That's okay. You're absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: I don't\n\nChannel 0: not\n\nChannel 1: know.\n\nChannel 0: honestly\n\nChannel 1: Like,\n\nChannel 0: with yeah.\n\nChannel 1: you guys\n\nChannel 0: You're right.\n\nChannel 1: are you know, you I mean, you guys are the experts. I mean, I mean and if you think, you know, maybe take a little bit more risk, you know, I'm happy to do that if you think so.\n\nChannel 0: Yeah.\n\nChannel 1: I don't I don't know. I just I don't really understand a lot of this stuff. So\n\nChannel 0: That's okay. The I think the beauty between this sort of portfolio is that you don't have a lot of risk. You know? You sort of, as I said, out of one to five, you're about sort of two and a half to three. So you're very much on the lower scale.\n\nChannel 1: Yes.\n\nChannel 0: And the beauty of doing that TTR strategy, the transition retirement is that you're able to increase your contributions in the super by way of salary sacrifice, but also take some money out. And because the money that's put in the super is done by way of salary sacrifice, it's a pretax deduction. So that sort of strategy means more money goes into super. You don't have to take as much out to to replenish your income, and you actually can reduce your taxable income a little bit as well. So it provides you that kind of benefit of being able to increase your contributions in without having to take on more risk and make that compounding work a little bit harder towards your retirement.\n\nSo\n\nChannel 1: Yes. Yes.\n\nChannel 0: it is a beautiful strategy. It's a shame you have to be 60 to do it, but it's one of the cool things about turning 60 that I like to point out to everybody.\n\nChannel 1: Yes.\n\nChannel 0: What I'll do is I will just take you through the changes to the super to start with if you like, and then I'll show you the TTR strategy. The numbers will probably change a little bit, but I'll still take you through what we had set up just to kind of explain it to you.\n\nChannel 1: Yep.\n\nChannel 0: Just with your super, when I kinda went back and reviewed the portfolio as a whole, now you had sort of mentioned, Carl, you were happy with how Hub twenty four was performing. Hub twenty four is a great super fund, and there is no need to change Hub twenty four. However, within the super fund, there have been some changes to the portfolio that I did wanna make as well. So, essentially, with your portfolio at the moment, you'll see the heading on there is recommended investment superannuation. Is that the page you can see?\n\nI think it says number 19 on the bottom.\n\nChannel 1: Okay. Oh, hang on. Let me get down. So where are we\n\nChannel 0: Yeah.\n\nChannel 1: page\n\nChannel 0: You're right.\n\nChannel 1: nine page 19?\n\nChannel 0: Nineteen. Yeah.\n\nChannel 1: Like okay. Oh, I yeah. Okay. Righty. I hear we are here.\n\nYeah. Okay. Yep. Alrighty. Right.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So this is why I sort of, like, well, let's have a look at it together.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: on this side here, you've got your hub twenty four speaker fund, and you've got all the different investments that you do currently hold in your fund there. So at the moment, you've got some beta shares staying high interest cash. This is like high interest cash account,\n\nChannel 1: Yes.\n\nChannel 0: and, essentially, you hold about 8.73% there. We wanna actually hold about 10%, so we're gonna buy a little bit more of that, about 5,000 so you increase your exposure into that defensive environment.\n\nChannel 1: Yep.\n\nChannel 0: With\n\nChannel 1: Yep.\n\nChannel 0: the bank hybrids, the one underneath that, that's more of a complex in a complex investment. So bank hybrids are very much like bonds where money is given to the banks. It is invested in their side of things or lend it out to people with mortgages, and then they give you an income payment. But bank hybrids as a complex investment are also traded like shares. These sorts of investments, since they are so complex, are actually gonna be phased out by the government over the next few years.\n\nSo whilst we are making some changes to your super, we may as well fit you out of those now rather than holding off until we have to at the last minute. It's best to make the changes whilst we are making larger changes to your sleepers. So we are gonna sell all those investments down, the\n\nChannel 1: Yep.\n\nChannel 0: bank hybrids down to zero.\n\nChannel 1: Yep.\n\nChannel 0: You do have some global agriculture in there. Not at all a bad investment. You have about 2.88% at the moment, so your exposure is a little bit low. We wanna buy some more of that and bring you up to about 5%. So you'll have\n\nChannel 1: Yep.\n\nChannel 0: about 5% of your total portfolio there, and global agriculture is good. It is giving you exposure to global agriculture companies, so it is diversifying across the entire globe, which is what you want to help reduce overall risk.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Physical gold, which has done really, really nicely and has done very well in your portfolio, but you are a little bit overexposed at the moment, so we only wanna hold about 10% physical gold. Physical gold does see growth, which is fantastic, but it doesn't provide any income. So to take advantage of physical gold, we do have to be able to sell it off every so often, rebalance it back, and that cements the gains that you've received, and then we redistribute those gains across other areas of your portfolio. One of the sort of risks with having these growth asset is that some of these growth assets perform better than others. So when you might have been said in the original recommendation, hold 10% physical goal.\n\nBecause that growth has been so fantastic, it's gone up to 14% of your portfolio. That does increase your risk level a little bit, so it is always good to sell some of that off. You submit the gains that you've received, and then we can redistribute those gains across other investments to continue growing and compounding. Does that make sense?\n\nChannel 1: Yep. Yep. Okay. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Well, please let me know if it doesn't. And if you need to ask more questions, you're more than welcome to. Okay?\n\nChannel 1: No. That's fine. No. That's fine.\n\nChannel 0: All good. So we are gonna sell a little bit of a physical goal, bring you back to 10% total. The iShares S and P 500 is giving you access and exposure to the top 500 companies in The US. You have a little bit more of that at the moment, so 25.10%. We're gonna sell some of that off and bring you back to 20% there just\n\nChannel 1: Yep.\n\nChannel 0: to rebalance the portfolio out. You've got the beta shares Raffi a 200 in there as well. That by no means has been a bad investment. You've got about 12% there. So we wanna just reduce the exposure back to 10% to selling a bit over 9,000 there for you.\n\nThen\n\nChannel 1: Yep.\n\nChannel 0: you've got the Vanguard diversified index fund. This one here, we wanna hold about 10% of your portfolio. It's a little bit underweighted at the moment. This diversified index fund is is supposed to give you some more access to defensive assets, so we wanna increase that exposure a little bit to 10%, so that means buying a bit more of that. And the Benelon Australian Equities, we're gonna sell all of that investment off.\n\nI'm not sure if Kyle explained when he spoke to you last time, but that investment has now been underperforming quite significantly in most portfolios. So we have looked at that with the investment committee, and they've decided it's no longer a valuable investment to have within the portfolios.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The idea of Bennelong is that they're an active investment manager, so they're supposed to be buying and selling, and trying to outperform against the market, but they have not been able to do so. So we are looking to remove that from the portfolio. And to make sure you keep your Australian equity exposure, so, exposure into the Australian stock market. At the bottom, you've got the beta shares a 200.\n\nChannel 1: Yep.\n\nChannel 0: We're gonna buy 10% of that, so you hold that exposure. By removing Benelong and having the a 200, you're actually increasing your diversification and helping to lower the risk of your portfolio. Because the Banalong Australian Equities, they only ever held between 15 to 25 different investments within that portfolio. The a 200 gives you exposure and tracks the top 200 companies on the ASX. So it is giving you a wider range of exposure\n\nChannel 1: Yes.\n\nChannel 0: and\n\nChannel 1: Yes.\n\nChannel 0: more diversification, which helps to lower the risk level there. So we wanna hold 10%, and so we'll sell off that along and buy into the a 200 there for you. Okay?\n\nChannel 1: Yes. Lovely. Yep.\n\nChannel 0: And then the ClearBridge infrastructure fund, so this is more of an alternative investment giving you access to infrastructure across the essentially, across the globe is giving you diversification across different countries And also core composite bonds. So bonds are replacing the bank hybrid investment. Bonds, this is giving you access to government as well as corporate bonds. And with bonds, you're essentially investing the money into the companies. The companies are then using that money to help build and grow and, you know, whatever they do on the inside of things.\n\nAnd because you're locking that money away in the investment, they're giving you income payments every month or every couple of months. That income gets paid back into your cash account in your super fund, and then it is reinvested across the other ports of other parts of your portfolio. That helps the compounding effect of your portfolio. So we do wanna hold about 15% in bonds, and we wanna hold about 10% in infrastructure as well. So we will be buying both of those just to\n\nChannel 1: Yes.\n\nChannel 0: increase\n\nChannel 1: Yes.\n\nChannel 0: your exposure and make sure you've got those defensive investments as well. Okay?\n\nChannel 1: Yes.\n\nChannel 0: All good. That is a lot. I completely get it. I try to try to go through those as easy as possible, but also making sure to give you a little bit of context because otherwise, they're like, here's what you've got. Here's what we're moving.\n\nHere's what we're gonna put in there. So just to give you a little bit of context on what each of the investments are, what they're good for, what we're going to do with the portfolio, essentially, and why we're selling some of these investments as well because, you know, sometimes you look at it and go, well, why are you selling all of that down? It hasn't done too badly. It actually, unfortunately, been along hasn't been great, and we do wanna get rid of all of that investment.\n\nChannel 1: Yep.\n\nChannel 0: And bank bank hybrids, because the government are gonna phase those out down the track, whilst we're making changes to your portfolio now, we may as well sell those down and replace them now. That way\n\nChannel 1: Yep.\n\nChannel 0: your portfolio has time to recover and rebuild and grow rather than making these changes now. And then in two years when they actually have them removed, we have to go back and find something quickly for you. So\n\nChannel 1: Absolutely.\n\nChannel 0: it's just about trying\n\nChannel 1: Yes.\n\nChannel 0: to make all the changes in a more appropriate manner for you. Okay?\n\nChannel 1: Lovely. Yes. Thank you.\n\nChannel 0: Excellent. Oh, good. In your cash account within the super fund, your cash is a little bit high. We only need to hold about 1.25 in cash. At the moment, you've got a bit over 2% there, so it does mean we're going to buy some of the investments.\n\nA bit over 4\n\nChannel 1: Yes.\n\nChannel 0: thousand needs to be invested, so we'll make sure that happens for you as well. Okay? If you can scroll down for me to page number 22, this is kind of giving you the projected outcome and why we're looking to make those changes.\n\nChannel 1: Okay. Yeah. 21, 22. Yep. Yep.\n\nChannel 0: Yes. This is the fee comparison table, and the first column outlines your current superannuation balance, the fees that you've got in there. So super funds, they do have admin fees, investment fees. You've got the ongoing service fee for having us update the advice and look after everything in the back end. And then you've got your contributions, which is your employer contributions as well as your salary sacrifice you're currently making into the fund as well there.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: and then your insurance premiums, which are currently coming out of your super there as well. You're in that balanced growth environment at the moment, and when we look at the current portfolio and how it has performed over the past five years, it averaged about 8.33%, which is by no means a bad investment for performance at all, but you're closer to retiring. So we wanna make sure it's working as hard as possible. So when we make these changes by those buyers and sellers that we went through before, your super fund, just like you, does a tax return every year. So we know\n\nChannel 1: Yes.\n\nChannel 0: by doing the research that the super fund will account for capital gains of $950 by making those changes. So by buying and selling the different investments, the super fund will pay about $950 in CGT for doing that. Okay?\n\nChannel 1: Okay. Yes.\n\nChannel 0: Yeah. After that occurs, your expected balance within the fund is about $396,096. You'll still have administration fees because the balance is slightly lower. It does save you about $2 for the year in admin fees. The investment fees are the biggest part.\n\nSo the newer portfolio as a whole actually has cheaper investment fees, and it's expected to save you $402 for the first year in investment fees, which is a pretty decent saving. That's more money left in your super working harder for you.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Then we've also got the ongoing service fee. Now this is showing a difference of $5 for the year. That is because we factor in growth and the additional growth that we should see out of the new portfolio for the first year there for you as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Contributions remain the same, and your insurance premiums don't change because we're not making any changes to those. But with that new balance growth portfolio, we're keeping the same level of exposure. But with the investments we're putting in there, it has actually seen a much greater return. So it's about point 69% more that it's averaged over the past five years. And if you sort of take those two returns and average them out over the next five to six years on the next page, you can sort of see that it does put you in a greater position.\n\nIt's about making sure that super is working as hard as possible for you. So if the\n\nChannel 1: Okay.\n\nChannel 0: new portfolio\n\nChannel 1: Yep.\n\nChannel 0: with the saving and fees is able to make that return, you can sort of see where you could be projected to be over the next year, essentially.\n\nChannel 1: Okay. Yep. Yes. Yes. Yep.\n\nChannel 0: Yeah. Beautiful. Next part is the the TTR account. So, essentially, with a a transition or a time strategy, what we're essentially doing is we're opening up a second pension account, and it's called a transition to retirement pension account. Unlike a normal full account based pension, there are limitations around how much you can access.\n\nThey don't allow you to access more than 10% of the total transferred balance, and we do have to keep your accumulation account open as well so your contributions can keep going in. So you'll end up with two accounts open. You'll see for accumulation as well as that it's called a TTR pension account.\n\nChannel 1: Yes.\n\nChannel 0: Essentially, with the current scenario and I'll go back and just rerun the numbers for you just to make sure, and I'll update this document to reflect. But just so you can sort of see what we had worked on, we were expecting to be able to transfer about a 110,000 out of your super and into the into the TTR pension account, and that would leave about $287,046 in the accumulation side. We would then gonna be able to start drawing down $990 per year or essentially per fortnight. It works out to be $380.76. That would come out of the pension account into your bank account, and it's tax free.\n\nSo unlike your income, when you receive that from your employer, they deduct income tax. Because you're over 60, that $3.80 and 76¢ per fortnight drawn out of the TCR pension account is completely tax free. So it actually means you have to pay income tax on that amount, which is kind of nice.\n\nChannel 1: Yes. Absolutely. Yes.\n\nChannel 0: At at the moment, you are already got employer contributions going in, and I'll just go back and double check those. But you're also salary sacrificing about $300 per fortnight. Are you still salary sacrificing that? And are you still planning to keep that salary sacrifice at the same level moving forward?\n\nChannel 1: Yeah. Well, I think so. Yeah. I don't see why I can't. Is is that the\n\nChannel 0: Yeah.\n\nChannel 1: best thing to do? Yes. Still do do they\n\nChannel 0: Yeah.\n\nChannel 1: do that? Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: We\n\nChannel 1: Yep.\n\nChannel 0: can absolutely do that. That's not a problem at all. We can make sure to reflect that. So we'll just go back and redig the numbers to see if there needs to be a change to the strategy.\n\nChannel 1: Yep.\n\nChannel 0: But with\n\nChannel 1: Yep.\n\nChannel 0: based on the 85,000, with your current employer contributions and the salary sacrifice going in, we were then able to increase your contribution to a total of 22,300. That's employer contribution, salary sacrifice, and then increasing your employer contributions or your salary sacrifice. So the increasing it to $857.69 on a fortnightly basis. So it means that your employer increases your salary sacrifice into your super by $857.69. That's how much comes out of your out of your income into super, and then\n\nChannel 1: Yep.\n\nChannel 0: we replenish that by drawing out $380.76 per fortnight. So because\n\nChannel 1: Okay. Yep.\n\nChannel 0: salary sacrifice is pretax, we don't have to draw down as much as what we're putting in. We actually draw down less than what we're putting in, and it actually replaces your income and gives you the same take home pay, which is really kind of cool.\n\nChannel 1: Yes. Absolutely. Yeah. Yep. Yep.\n\nChannel 0: If you go down to page 26 for me, I can show you the table that essentially breaks down the math to make it a little bit easier.\n\nChannel 1: Oh, yeah. Here we go. Yep.\n\nChannel 0: Yeah. So looking at the third table down, it's got the income tax calculation, and it's got your salary starting point at 85,000 per annum. Can you see that?\n\nChannel 1: Yes. Yes. Yes. Yes.\n\nChannel 0: Yeah. So the current shows that when you start with $85,000 on a yearly basis as gross income, You're currently salary sacrificing 7,800 into the fund. You also got your employer contributions going in as well. That essentially gives you taxable income. The 85,000 minus the 780 gives you 77,200.\n\nThat's your taxable income after salary sacrifice.\n\nChannel 1: Yep.\n\nChannel 0: Then you pay income tax on that at $15,224 for the year, and then that leaves you with a net take home pay of $61,009.76.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Mhmm.\n\nChannel 0: with the proposed strategy of increasing your contributions in, so your total employer plus salary sacrifice increases to 22,300 for the year, and then your take home pay goes from 85,000 to $62,700, and your income tax reduces. So because\n\nChannel 1: Oh,\n\nChannel 0: that salary sacrifice is pretax, it actually reduces your tax from 15,000 to only 10,525. Do you pay less income tax, which is kinda cool?\n\nChannel 1: wow. Yes.\n\nChannel 0: Give give the ATO less money.\n\nChannel 1: Absolutely. Yes.\n\nChannel 0: Yeah. So the 85,000 minus the increase in salary sacrifice of 22,300 leaves you with $62,700 taxable income, then your income tax is deducted, so it goes down to 10,525, and that leaves you with a net take home pay of $52,175. Then because we've increased your salary sacrifice and it's reduced your take home pay, we need to replenish that, and that's where that TTR pension account comes into play. By withdrawing only 9,900 on a yearly basis, it actually brings your net take home pay back to 62,075. So it's actually just a little bit more than what your current take home pay is based on that income, but it's essentially replenishing your income, increasing your contributions in, and reducing your take home pay whilst keeping your income, your take home pay basically the same.\n\nDoes that make sense?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yes. No. That's\n\nChannel 0: It's\n\nChannel 1: that's\n\nChannel 0: pretty\n\nChannel 1: right. So\n\nChannel 0: cool.\n\nChannel 1: but so you'll so\n\nChannel 0: Yeah.\n\nChannel 1: you'll alter it. So will you sort of go back and alter it?\n\nChannel 0: Yes.\n\nChannel 1: Because that's the thing. Like, you're not sure. Like, I know, alright. I've earned this much, you know, like, well, the last year and the year before and stuff like that. But like I said, I'm just a bit worried that, you know, I may not earn that much.\n\nI suppose it's just hard to tell, isn't it? So\n\nChannel 0: Yeah. That's\n\nChannel 1: without\n\nChannel 0: okay.\n\nChannel 1: without\n\nChannel 0: Look. Let's\n\nChannel 1: without\n\nChannel 0: work it\n\nChannel 1: any\n\nChannel 0: on your base.\n\nChannel 1: yep. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: Let's\n\nChannel 1: Okay.\n\nChannel 0: work it on\n\nChannel 1: Yep.\n\nChannel 0: your\n\nChannel 1: Yep.\n\nChannel 0: base because I think the biggest thing is when we work on, say, a higher income including overtime and things like that, there is that risk that, you know, your overtime may drop off, which means that we're replenishing a take home pay, which you might not actually make. And that means if you don't make the higher income, we're replenishing a higher net take home pay. If without that, it overtime, it might make your take home pay a lot less. So\n\nChannel 1: Yes.\n\nChannel 0: it is best to work it out on the base income only\n\nChannel 1: Yes. Yes.\n\nChannel 0: of 65,500. That way, we can, you know, justify and check that over. We\n\nChannel 1: Yes.\n\nChannel 0: do\n\nChannel 1: Yes.\n\nChannel 0: check this with you on a yearly basis and refresh the strategy as we need to,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll just make sure your contributions are not kind of eating into anything that we, you know, have catch up contributions and things like that. We could even just, you know, double check the last couple of years of contributions just to make sure you have extra cap space in case you go over. I do believe so the last couple of years so you have made quite a lot in contributions there.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I think I've just\n\nChannel 0: the\n\nChannel 1: done\n\nChannel 0: last\n\nChannel 1: print I think I've done the 300 a fortnight for the last, yeah, quite I haven't changed it. Like, it's always been that. So\n\nChannel 0: yeah. That's okay.\n\nChannel 1: that I'll yeah. Yeah.\n\nChannel 0: That's okay. Would it be even possible if you were able to maybe just shoot me through one of your payslips just so I can sort of see what your base is, what you're averaging on a weekly basis or fortnightly basis, and\n\nChannel 1: Yep.\n\nChannel 0: also what is maybe coming out of this out of your income just so we can kind of use that as a base to to build to double check the strategy for you. Would that be okay?\n\nChannel 1: Yep. Yeah. You'd might have to tell me how to do it. But\n\nChannel 0: That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: I I I can I can give you the one that we would have got like, we that we got today? So which is,\n\nChannel 0: Yeah.\n\nChannel 1: you know, like like, the bare minimum pretty much. So without\n\nChannel 0: Yep.\n\nChannel 1: I think I think there's, like, one hour overtime in it. So yeah. So pretty much oh, what's this warning? Suspicious calling pattern. What the hell?\n\nAnyway, doesn't matter. We'll ignore that, whatever that is. You there? Oh, god. All all these weird phone calls.\n\nWow.\n\nChannel 0: All these things are coming up. Oh.\n\nChannel 1: I know. Yeah. No. The other one was mom, but this one was, like like, from an Queensland number as well. Yeah.\n\nBut anyway\n\nChannel 0: Oh,\n\nChannel 1: yeah.\n\nChannel 0: that's bizarre.\n\nChannel 1: Oh, I had o seven I had o seven since I've never had that. I had warning suspicious something or other. So yeah.\n\nChannel 0: That\n\nChannel 1: Don't\n\nChannel 0: is\n\nChannel 1: know.\n\nChannel 0: bizarre. Yeah.\n\nChannel 1: Yeah. Yeah. But yeah. No. I can do that.\n\nYou just won't have to so for yeah.\n\nChannel 0: That's\n\nChannel 1: I suppose\n\nChannel 0: okay.\n\nChannel 1: if if as long\n\nChannel 0: You\n\nChannel 1: as I\n\nChannel 0: can\n\nChannel 1: got an\n\nChannel 0: take,\n\nChannel 1: aim as long as I got\n\nChannel 0: yeah,\n\nChannel 1: an\n\nChannel 0: I've\n\nChannel 1: email that I\n\nChannel 0: just\n\nChannel 1: can put in, yeah, I can write down and put in, I should\n\nChannel 0: yeah.\n\nChannel 1: be able to do it. I'm not very tech savvy at all.\n\nChannel 0: That's okay. That's okay. I'm sending the email to you now.\n\nChannel 1: Yep.\n\nChannel 0: Just asking if you can get the payslip. It doesn't have to be the exact if you wanna take a photo and attach the photo, that's absolutely fine\n\nChannel 1: Yeah,\n\nChannel 0: just\n\nChannel 1: mate.\n\nChannel 0: so we can kinda see what the payslip looks like. Or if it's emailed to you and you wanna forward me the email, this has got my email address there as well. So\n\nChannel 1: Okay.\n\nChannel 0: however\n\nChannel 1: So you're\n\nChannel 0: it works easier for you. Yeah.\n\nChannel 1: yes. No. That's alright. No. I can probably email it to you.\n\nSo, yeah, I've got that\n\nChannel 0: Yep.\n\nChannel 1: your email address at the start of it on our on our little thing, haven't we, on our form\n\nChannel 0: Yep.\n\nChannel 1: with\n\nChannel 0: I'm\n\nChannel 1: your email.\n\nChannel 0: yeah. And I'm just also attaching it here. So I'm sending you another email now with the request\n\nChannel 1: Okay.\n\nChannel 0: just so you've got my email there. So I've just sent that through to you there, Julie. So it should arrive any moment\n\nChannel 1: Yep.\n\nChannel 0: for you. And then you've got my email, so you can contact me anytime you need. Okay?\n\nChannel 1: Lovely. Yes. Thank you, Dana. Yes. I'll yep.\n\nChannel 0: That's okay. The only other thing I kinda wanted to go through with you is we did talk about the estate planning side of the thing. So because we are opening up a secondary account, we do like to make sure that we have beneficiaries updated, and we do have to have a secondary beneficiary nomination applied. So when we open up that TTR pension account,\n\nChannel 1: Yep.\n\nChannel 0: we'll have the beneficiary nomination applied for you.\n\nChannel 1: Yes.\n\nChannel 0: One of the things when you spoke to Kyle, you may have mentioned you just wanted everything paid to your your partner in the event that something happens. They're all paid to Christopher to\n\nChannel 1: Yeah.\n\nChannel 0: make sure\n\nChannel 1: Yep.\n\nChannel 0: he can\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: live\n\nChannel 1: Everything\n\nChannel 0: and enjoy.\n\nChannel 1: will yeah. Yeah. Everything will just\n\nChannel 0: Yep.\n\nChannel 1: go to this. Yeah. Yeah.\n\nChannel 0: Absolutely. So we'll just make sure that the beneficiary nomination is applied there. It I recommend it as a binding or matching nomination, so you only\n\nChannel 1: Yes.\n\nChannel 0: have to fill out that nomination once.\n\nChannel 1: Yep.\n\nChannel 0: We'll nominate it to Chris. So in the event that something happens, everything is paid to him nice and easily.\n\nChannel 1: Yep.\n\nChannel 0: And then just reiterating with you, obviously, with the insurances you have with Neos, we do receive ongoing remuneration from\n\nChannel 1: Yep.\n\nChannel 0: them. It is 22% of the premiums that you that are paid out of super. That's not paid by you in any way. It's paid by Neos to us, and we just disclosed that in the document for you.\n\nChannel 1: Yep.\n\nChannel 0: And then yourself, you do pay us an ongoing service fee, which is 1.10% of the total balance, we will just prorated that across the two accounts so that it just continues coming out of the two accounts, but it's prorated across. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yep. Yep. Yes. Yes. I think Carl\n\nChannel 0: Beautiful.\n\nChannel 1: explained that last time. Yes. Yes.\n\nChannel 0: Excellent. Yeah. Perfect. So feel free to run your eyes over this document here. Don't sign this one.\n\nJust sort of you keep it there just to, you know, keep you give you a bit of reading material if you wanted to have a bit of a read through it all. I'll just go back and update the numbers there for you, and then we'll get that resent to you. And then I can just give you a bit of a quick call just to rerun through the numbers and see if there's any major changes. If I find I don't need to change anything, then I'll just let you know to sign that document. Is that okay?\n\nChannel 1: Yes. That's fine. Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Absolutely.\n\nChannel 0: Beautiful. Beautiful. But, yeah, if I do need to make any changes, I'll make sure a new one is sent through to you with the update, and then I'll give you a call. We'll run through those together. That way, we can clarify some things.\n\nAnd in the meantime, if you find any questions come out of that, just note them down for yourself, and when we speak next, we can go through them together. Does that sound okay, Julie?\n\nChannel 1: Yep. Yes. Absolutely. Yes. We can\n\nChannel 0: Beautiful.\n\nChannel 1: do yes.\n\nChannel 0: Has excellent. Has any questions come out of it so far? Is there anything else that you think of that you might wanna ask? Or\n\nChannel 1: No. I don't think so. No. Like I said, I'm not very switched on with this kind of stuff. So, you know, I'd rather you you know you know best.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yeah. I don't sorta understand a lot of Yeah. I don't sort\n\nChannel 0: That's alright.\n\nChannel 1: of understand\n\nChannel 0: Yeah.\n\nChannel 1: a lot of it. But but yeah.\n\nChannel 0: Not\n\nChannel 1: Absolutely.\n\nChannel 0: a\n\nChannel 1: Yes.\n\nChannel 0: problem.\n\nChannel 1: That's fine. Okay. So I've got okay. So you've sent through that. So do I just\n\nChannel 0: Mhmm.\n\nChannel 1: do it straight to does it have your name or does it because I've got\n\nChannel 0: Yeah.\n\nChannel 1: your\n\nChannel 0: Dana.\n\nChannel 1: so that you've sent\n\nChannel 0: Yep.\n\nChannel 1: through. I've got your little picture.\n\nChannel 0: Yep. It should at the top of the sender, it should be dana@ocfinancials. You should be right to just reply or just copy the email address.\n\nChannel 1: Okay. I'll\n\nChannel 0: It should\n\nChannel 1: see\n\nChannel 0: also\n\nChannel 1: how\n\nChannel 0: have it under my photo there for you as well with my contact information.\n\nChannel 1: okay. Okay. Oh, yeah. It has two. I was just looking at the\n\nChannel 0: Yep.\n\nChannel 1: the o q one. Oh, yeah. Yeah. Dana@oq.net. Okay.\n\nSo if I just\n\nChannel 0: Yeah.\n\nChannel 1: send it to that,\n\nChannel 0: Yep.\n\nChannel 1: my my last payslip, that should be fine.\n\nChannel 0: Yeah. That'll\n\nChannel 1: Yes.\n\nChannel 0: come through to me. I'll confirm that I've got it for you, and then I'll just get the team to the the Paris to go back. We'll just double check the numbers together. If\n\nChannel 1: Yep.\n\nChannel 0: there's no changes, I'll let you know we're all good. And then if there is, we'll just get the new document updated and sent through to you. Okay?\n\nChannel 1: Yes. Lovely. Thank you so much, Dana. Thank you.\n\nChannel 0: That's okay.\n\nChannel 1: I'll I'll\n\nChannel 0: That's not a problem. All\n\nChannel 1: I'll\n\nChannel 0: good.\n\nChannel 1: do that right now. I'll do that, that I'll do that payslip\n\nChannel 0: Yeah.\n\nChannel 1: right now. So oh, well,\n\nChannel 0: Thank\n\nChannel 1: I'll try\n\nChannel 0: you,\n\nChannel 1: to.\n\nChannel 0: Jill. You're right. If you get stuck, let us know. Give us a call. One of my team can certainly give you a hand.\n\nIt's not an issue at all. But, yeah, honestly, tell your mom sorry for taking up all your time, and I hope\n\nChannel 1: No. That's\n\nChannel 0: you have\n\nChannel 1: alright.\n\nChannel 0: a great day.\n\nChannel 1: Lovely. Thanks so much, Dana, for calling.\n\nChannel 0: That's not a problem. Thank you for taking my call. I hope you have an amazing day.\n\nChannel 1: Yeah. You too. Thank you so much.\n\nChannel 0: Thanks, Julie. Talk soon. See you later.\n\nChannel 1: No worries. Bye\n\nChannel 0: Bye.\n\nChannel 1: bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.016625434160232544}],"sentiment":"neutral","sentiment_score":0.016625434160232544,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Hi, Julie.","start":1.76,"end":2.32,"sentiment":"neutral","sentiment_score":0.044782478362321854},{"text":"It's Dana again from Okie Financial.","start":2.32,"end":4.18,"sentiment":"neutral","sentiment_score":0.0698170227309068},{"text":"Can you hear me?","start":4.48,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.01834629289805889},{"text":"I'm so 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me.","start":8.16,"end":12.559999,"sentiment":"neutral","sentiment_score":-0.07610531095415354},{"text":"Yes.","start":12.559999,"end":12.915,"sentiment":"neutral","sentiment_score":-0.050847843289375305}],"sentiment":"neutral","sentiment_score":-0.0682465312657533,"channel":1,"num_words":27,"start":6.56,"end":12.915},{"sentences":[{"text":"No.","start":13.135,"end":13.535,"sentiment":"neutral","sentiment_score":-0.26814889907836914},{"text":"It was so bizarre.","start":13.535,"end":14.655001,"sentiment":"negative","sentiment_score":-0.3962339982390404},{"text":"When the email sent to you, then","start":14.655001,"end":18.255001,"sentiment":"neutral","sentiment_score":-0.2890424600669316}],"sentiment":"neutral","sentiment_score":-0.32303184270858765,"channel":0,"num_words":12,"start":13.135,"end":18.255001},{"sentences":[{"text":"Yep.","start":18.035,"end":18.535,"sentiment":"neutral","sentiment_score":-0.20515315234661105}],"sentiment":"neutral","sentiment_score":-0.20515315234661105,"channel":1,"num_words":1,"start":18.035,"end":18.535},{"sentences":[{"text":"the phone hung up, and I couldn't work out why.","start":18.255001,"end":20.575,"sentiment":"negative","sentiment_score":-0.45959157049655913},{"text":"Like, our phone's an Internet based system, but it kinda sent you the email, and then we lost contact.","start":20.575,"end":27.13,"sentiment":"neutral","sentiment_score":-0.3332154797880273},{"text":"And then I tried when you call back again, you were transferred through, and I couldn't hear 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some trying out some other advice as an adviser.","start":131.575,"end":134.93999,"sentiment":"neutral","sentiment_score":-0.050737082958221436}],"sentiment":"neutral","sentiment_score":-0.03152972087264061,"channel":0,"num_words":53,"start":121.095,"end":134.93999},{"sentences":[{"text":"Yep.","start":135.535,"end":135.81,"sentiment":"neutral","sentiment_score":0.13637059926986694}],"sentiment":"neutral","sentiment_score":0.13637059926986694,"channel":1,"num_words":1,"start":135.535,"end":135.81},{"sentences":[{"text":"So I've taken over your file, put this together, and I've had a really good look at, you know, your super and made a few other recommendations for you as well.","start":135.56,"end":143.71999,"sentiment":"positive","sentiment_score":0.36902799144867926},{"text":"Okay?","start":143.71999,"end":144.21999,"sentiment":"neutral","sentiment_score":0.15244010090827942}],"sentiment":"positive","sentiment_score":0.3622596198692918,"channel":0,"num_words":32,"start":135.56,"end":144.21999},{"sentences":[{"text":"Yep.","start":144.77,"end":145.17,"sentiment":"neutral","sentiment_score":0.2588479220867157},{"text":"Lovely.","start":145.17,"end":145.65,"sentiment":"positive","sentiment_score":0.553459644317627},{"text":"Thank you.","start":145.65,"end":146.47,"sentiment":"positive","sentiment_score":0.5794986188411713}],"sentiment":"positive","sentiment_score":0.4928262010216713,"channel":1,"num_words":4,"start":144.77,"end":146.47},{"sentences":[{"text":"That's okay.","start":146.68501,"end":148.225,"sentiment":"neutral","sentiment_score":0.3286278545856476},{"text":"Now on the front page, there are notes this document has been prepared for yourself.","start":148.285,"end":152.04501,"sentiment":"neutral","sentiment_score":0.08280645186702411},{"text":"Julie Fenwick, as of the 07/13/2026, now our advice is valid for thirty days from the date on the document there.","start":152.04501,"end":159.005,"sentiment":"neutral","sentiment_score":0.07913651175442196},{"text":"That's, like, sixty","start":159.005,"end":159.80501,"sentiment":"neutral","sentiment_score":0.09676065544287364}],"sentiment":"neutral","sentiment_score":0.09393905366702777,"channel":0,"num_words":41,"start":146.68501,"end":159.80501},{"sentences":[{"text":"Yep.","start":159.50499,"end":159.84,"sentiment":"neutral","sentiment_score":0.07157217711210251}],"sentiment":"neutral","sentiment_score":0.07157217711210251,"channel":1,"num_words":1,"start":159.50499,"end":159.84},{"sentences":[{"text":"days from the date on the document.","start":159.80501,"end":161.26501,"sentiment":"neutral","sentiment_score":0.07489761390856334},{"text":"Underneath there, we've also got my authorized representative number.","start":162.27,"end":165.47,"sentiment":"neutral","sentiment_score":0.0725180274910397},{"text":"So as a full licensed adviser, I am registered through ASIC, and my registration number is 1304394.","start":165.47,"end":172.67,"sentiment":"neutral","sentiment_score":0.06732967320610495},{"text":"Okay?","start":172.67,"end":173.17,"sentiment":"neutral","sentiment_score":0.046016089618206024}],"sentiment":"neutral","sentiment_score":0.06963429643827326,"channel":0,"num_words":34,"start":159.80501,"end":173.17},{"sentences":[{"text":"Yep.","start":173.59999,"end":174.0,"sentiment":"neutral","sentiment_score":0.04345102235674858},{"text":"Yep.","start":174.0,"end":174.495,"sentiment":"neutral","sentiment_score":0.05939118191599846}],"sentiment":"neutral","sentiment_score":0.05142110213637352,"channel":1,"num_words":2,"start":173.59999,"end":174.495},{"sentences":[{"text":"The next page outlines the best interest, Judy.","start":175.175,"end":177.255,"sentiment":"neutral","sentiment_score":0.07254878059029579},{"text":"So it is important to note that we go through the process we do with providing advice because we are looking at your, you know, advice this is your super.","start":177.255,"end":184.215,"sentiment":"neutral","sentiment_score":-0.0007609351227680842},{"text":"This is your retirement.","start":184.215,"end":185.435,"sentiment":"neutral","sentiment_score":-0.014246553182601929},{"text":"So we wanna make sure we take very good care of that, and any advice we do provide, those need to be provided in best interest as per the corporations act, making sure that we're here to meet your goals and that the advice is reviewed and updated as it needs to be as we work towards your goals and your 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you kinda have to think about most people in retirement spend ten, twenty, thirty, even forty years.","start":817.35,"end":824.39,"sentiment":"neutral","sentiment_score":0.1683239767757746},{"text":"It's a whole another lifetime in retirement.","start":824.39,"end":826.41,"sentiment":"neutral","sentiment_score":0.29600122570991516},{"text":"So, you know, it's about that still longevity.","start":826.55,"end":829.635,"sentiment":"positive","sentiment_score":0.3500477485358715}],"sentiment":"neutral","sentiment_score":0.29088371788913553,"channel":0,"num_words":77,"start":806.495,"end":829.635},{"sentences":[{"text":"You still wanna make your super last as long as possible.","start":829.635,"end":832.295,"sentiment":"positive","sentiment_score":0.4547289176420732},{"text":"So does that kind of balanced growth area still suit where you're at, do you 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yeah.","start":848.61,"end":849.81,"sentiment":"neutral","sentiment_score":-0.008554255589842796}],"sentiment":"neutral","sentiment_score":-0.008554255589842796,"channel":0,"num_words":2,"start":848.61,"end":849.81},{"sentences":[{"text":"you guys","start":849.57,"end":850.13,"sentiment":"neutral","sentiment_score":0.04674425348639488}],"sentiment":"neutral","sentiment_score":0.04674425348639488,"channel":1,"num_words":2,"start":849.57,"end":850.13},{"sentences":[{"text":"You're right.","start":849.81,"end":850.47,"sentiment":"neutral","sentiment_score":0.09943272918462753}],"sentiment":"neutral","sentiment_score":0.09943272918462753,"channel":0,"num_words":2,"start":849.81,"end":850.47},{"sentences":[{"text":"are you know, you I mean, you guys are the experts.","start":850.13,"end":852.37,"sentiment":"neutral","sentiment_score":0.07693483714352954},{"text":"I mean, I mean and if you think, you know, maybe take a little bit more risk, you know, I'm happy to do that if you think so.","start":852.37,"end":859.105,"sentiment":"neutral","sentiment_score":0.17161443470312016}],"sentiment":"neutral","sentiment_score":0.1449099328273382,"channel":1,"num_words":39,"start":850.13,"end":859.105},{"sentences":[{"text":"Yeah.","start":858.78503,"end":859.28503,"sentiment":"neutral","sentiment_score":-0.12306395173072816}],"sentiment":"neutral","sentiment_score":-0.12306395173072816,"channel":0,"num_words":1,"start":858.78503,"end":859.28503},{"sentences":[{"text":"I don't I don't know.","start":859.105,"end":859.985,"sentiment":"neutral","sentiment_score":-0.29681471884250643},{"text":"I just I don't really understand a lot of this 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scale.","start":875.05,"end":876.82996,"sentiment":"neutral","sentiment_score":0.24071508459746838}],"sentiment":"neutral","sentiment_score":0.2501199827171289,"channel":0,"num_words":52,"start":863.10504,"end":876.82996},{"sentences":[{"text":"Yes.","start":877.28,"end":877.78,"sentiment":"positive","sentiment_score":0.4284932613372803}],"sentiment":"positive","sentiment_score":0.4284932613372803,"channel":1,"num_words":1,"start":877.28,"end":877.78},{"sentences":[{"text":"And the beauty of doing that TTR strategy, the transition retirement is that you're able to increase your contributions in the super by way of salary sacrifice, but also take some money out.","start":877.29,"end":888.465,"sentiment":"positive","sentiment_score":0.55604795163328},{"text":"And because the money that's put in the super is done by way of salary sacrifice, it's a pretax deduction.","start":888.465,"end":894.405,"sentiment":"positive","sentiment_score":0.42665242552757265},{"text":"So that sort of strategy means more money goes into super.","start":894.54504,"end":898.14,"sentiment":"positive","sentiment_score":0.5960455455563285},{"text":"You don't have to take as much out to to replenish your income, and you actually can reduce your taxable income a little bit as well.","start":898.14,"end":905.26,"sentiment":"positive","sentiment_score":0.5457391177232449},{"text":"So it provides you that kind of benefit of being able to increase your contributions in without having to take on more risk and make that compounding work a little bit harder towards your retirement.","start":905.26,"end":915.755,"sentiment":"positive","sentiment_score":0.5437915870121547}],"sentiment":"positive","sentiment_score":0.5332884361743927,"channel":0,"num_words":125,"start":877.29,"end":915.755},{"sentences":[{"text":"So","start":915.975,"end":916.475,"sentiment":"neutral","sentiment_score":0.28535693883895874}],"sentiment":"neutral","sentiment_score":0.28535693883895874,"channel":0,"num_words":1,"start":915.975,"end":916.475},{"sentences":[{"text":"Yes.","start":916.495,"end":916.89496,"sentiment":"positive","sentiment_score":0.38403934240341187},{"text":"Yes.","start":916.89496,"end":917.39496,"sentiment":"positive","sentiment_score":0.4848035275936126}],"sentiment":"positive","sentiment_score":0.43442143499851227,"channel":1,"num_words":2,"start":916.495,"end":917.39496},{"sentences":[{"text":"it is a beautiful strategy.","start":916.935,"end":918.71497,"sentiment":"positive","sentiment_score":0.6353326797485351},{"text":"It's a shame you have to be 60 to do it, but it's one of the cool things about turning 60 that I like to point out to everybody.","start":918.77496,"end":924.9,"sentiment":"neutral","sentiment_score":0.3181758790180601}],"sentiment":"positive","sentiment_score":0.3648165850078358,"channel":0,"num_words":34,"start":916.935,"end":924.9},{"sentences":[{"text":"Yes.","start":928.74,"end":929.24,"sentiment":"neutral","sentiment_score":0.22862598299980164}],"sentiment":"neutral","sentiment_score":0.22862598299980164,"channel":1,"num_words":1,"start":928.74,"end":929.24},{"sentences":[{"text":"What I'll do is I will just take you through the changes to the super to start with if you like, and then I'll show you the TTR strategy.","start":930.82,"end":937.515,"sentiment":"neutral","sentiment_score":0.18920970219990302},{"text":"The numbers will probably change a little bit, but I'll still take you through what we had set up just to kind of explain it to you.","start":937.59503,"end":943.695,"sentiment":"neutral","sentiment_score":0.16861995116428094}],"sentiment":"neutral","sentiment_score":0.1792825008077281,"channel":0,"num_words":56,"start":930.82,"end":943.695},{"sentences":[{"text":"Yep.","start":943.955,"end":944.455,"sentiment":"neutral","sentiment_score":0.14110861718654633}],"sentiment":"neutral","sentiment_score":0.14110861718654633,"channel":1,"num_words":1,"start":943.955,"end":944.455},{"sentences":[{"text":"Just with your super, when I kinda went back and reviewed the portfolio as a whole, now you had sort of mentioned, Carl, you were happy with how Hub twenty four was performing.","start":944.395,"end":953.135,"sentiment":"neutral","sentiment_score":0.2604104738795396},{"text":"Hub twenty four is a great super fund, and there is no need to change Hub twenty four.","start":953.75,"end":957.83,"sentiment":"positive","sentiment_score":0.3655744389527374},{"text":"However, within the super fund, there have been some changes to the portfolio that I did wanna make as well.","start":957.83,"end":963.67,"sentiment":"neutral","sentiment_score":0.1816628448665142},{"text":"So, essentially, with your portfolio at the moment, you'll see the heading on there is recommended investment superannuation.","start":963.67,"end":971.065,"sentiment":"neutral","sentiment_score":0.13542631475461853},{"text":"Is that the page you can see?","start":971.365,"end":972.485,"sentiment":"neutral","sentiment_score":0.07086162428770747}],"sentiment":"neutral","sentiment_score":0.22646716116772345,"channel":0,"num_words":96,"start":944.395,"end":972.485},{"sentences":[{"text":"I think it says number 19 on the 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this is why I sort of, like, well, let's have a look at it 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this side here, you've got your hub twenty four speaker fund, and you've got all the different investments that you do currently hold in your fund there.","start":994.695,"end":1001.97504,"sentiment":"neutral","sentiment_score":0.07200772780925035},{"text":"So at the moment, you've got some beta shares staying high interest cash.","start":1001.97504,"end":1006.27,"sentiment":"neutral","sentiment_score":0.044582614388603434},{"text":"This is like high interest cash account,","start":1006.73,"end":1008.75,"sentiment":"neutral","sentiment_score":0.03698538376816681}],"sentiment":"neutral","sentiment_score":0.059472667751833797,"channel":0,"num_words":48,"start":994.695,"end":1008.75},{"sentences":[{"text":"Yes.","start":1009.17,"end":1009.515,"sentiment":"neutral","sentiment_score":0.07724744081497192}],"sentiment":"neutral","sentiment_score":0.07724744081497192,"channel":1,"num_words":1,"start":1009.17,"end":1009.515},{"sentences":[{"text":"and, essentially, you hold about 8.73% 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one underneath that, that's more of a complex in a complex investment.","start":1024.365,"end":1028.785,"sentiment":"neutral","sentiment_score":0.02135614142753184},{"text":"So bank hybrids are very much like bonds where money is given to the banks.","start":1028.925,"end":1035.03,"sentiment":"neutral","sentiment_score":0.02191805181403955},{"text":"It is invested in their side of things or lend it out to people with mortgages, and then they give you an income payment.","start":1035.09,"end":1042.39,"sentiment":"neutral","sentiment_score":0.04457848394910494},{"text":"But bank hybrids as a complex investment are also traded like shares.","start":1042.53,"end":1046.47,"sentiment":"neutral","sentiment_score":-0.011822302204867205},{"text":"These sorts of investments, since they are so complex, are actually gonna be phased out by the government over the next few 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some global agriculture in there.","start":1070.09,"end":1072.695,"sentiment":"neutral","sentiment_score":0.19713329523801804},{"text":"Not at all a bad investment.","start":1073.0149,"end":1074.455,"sentiment":"neutral","sentiment_score":0.29069216052691144},{"text":"You have about 2.88% at the moment, so your exposure is a little bit low.","start":1074.455,"end":1078.9349,"sentiment":"neutral","sentiment_score":0.18485625684261323},{"text":"We wanna buy some more of that and bring you up to about 5%.","start":1078.9349,"end":1082.3949,"sentiment":"neutral","sentiment_score":0.31390646525791716},{"text":"So you'll have","start":1082.5349,"end":1083.255,"sentiment":"positive","sentiment_score":0.4403140147527059}],"sentiment":"neutral","sentiment_score":0.2567325159907341,"channel":0,"num_words":46,"start":1070.09,"end":1083.255},{"sentences":[{"text":"Yep.","start":1083.2101,"end":1083.7101,"sentiment":"positive","sentiment_score":0.43968233466148376}],"sentiment":"positive","sentiment_score":0.43968233466148376,"channel":1,"num_words":1,"start":1083.2101,"end":1083.7101},{"sentences":[{"text":"about 5% of your total portfolio there, and global agriculture is good.","start":1083.255,"end":1087.62,"sentiment":"positive","sentiment_score":0.5204759215315183},{"text":"It is giving you exposure to global agriculture companies, so it is diversifying across the entire globe, which is what you want to help reduce overall risk.","start":1087.62,"end":1096.2799,"sentiment":"positive","sentiment_score":0.5209957129425473}],"sentiment":"positive","sentiment_score":0.5208357771237692,"channel":0,"num_words":39,"start":1083.255,"end":1096.2799},{"sentences":[{"text":"Yep.","start":1096.765,"end":1097.245,"sentiment":"neutral","sentiment_score":0.08176515251398087},{"text":"Yep.","start":1097.245,"end":1097.745,"sentiment":"neutral","sentiment_score":0.08686493337154388}],"sentiment":"neutral","sentiment_score":0.08431504294276237,"channel":1,"num_words":2,"start":1096.765,"end":1097.745},{"sentences":[{"text":"Physical gold, which has done really, really nicely and has done very well in your portfolio, but you are a little bit overexposed at the moment, so we only wanna hold about 10% physical gold.","start":1098.015,"end":1108.595,"sentiment":"neutral","sentiment_score":0.22744668647646904},{"text":"Physical gold does see growth, which is fantastic, but it doesn't provide any income.","start":1109.135,"end":1113.86,"sentiment":"neutral","sentiment_score":0.26593336729066713},{"text":"So to take advantage of physical gold, we do have to be able to sell it off every so often, rebalance it back, and that cements the gains that you've received, and then we redistribute those gains across other areas of your portfolio.","start":1113.86,"end":1126.44,"sentiment":"neutral","sentiment_score":0.2580237298510795},{"text":"One of the sort of risks with having these growth asset is that some of these growth assets perform better than others.","start":1127.7051,"end":1134.425,"sentiment":"neutral","sentiment_score":-0.09687998687679117},{"text":"So when you might have been said in the original recommendation, hold 10% physical goal.","start":1134.425,"end":1139.8,"sentiment":"neutral","sentiment_score":0.0354565616697073}],"sentiment":"neutral","sentiment_score":0.1641799245433983,"channel":0,"num_words":129,"start":1098.015,"end":1139.8},{"sentences":[{"text":"Because that growth has been so fantastic, it's gone up to 14% of your portfolio.","start":1139.8,"end":1144.7001,"sentiment":"neutral","sentiment_score":0.18699884936213493},{"text":"That does increase your risk level a little bit, so it is always good to sell some of that off.","start":1145.0801,"end":1149.72,"sentiment":"neutral","sentiment_score":-0.06782041154801846},{"text":"You submit the gains that you've received, and then we can redistribute those gains across other investments to continue growing and compounding.","start":1149.72,"end":1156.665,"sentiment":"neutral","sentiment_score":0.14317936517975546},{"text":"Does that make sense?","start":1156.885,"end":1157.9451,"sentiment":"neutral","sentiment_score":0.09634115360677242}],"sentiment":"neutral","sentiment_score":0.08170303537464532,"channel":0,"num_words":61,"start":1139.8,"end":1157.9451},{"sentences":[{"text":"Yep.","start":1158.16,"end":1158.48,"sentiment":"neutral","sentiment_score":0.07136732339859009},{"text":"Yep.","start":1158.48,"end":1158.88,"sentiment":"neutral","sentiment_score":0.06503643095493317},{"text":"Okay.","start":1158.88,"end":1159.28,"sentiment":"neutral","sentiment_score":0.08624275028705597},{"text":"Yes.","start":1159.28,"end":1159.52,"sentiment":"neutral","sentiment_score":0.10822472721338272}],"sentiment":"neutral","sentiment_score":0.08271780796349049,"channel":1,"num_words":4,"start":1158.16,"end":1159.52},{"sentences":[{"text":"Yep.","start":1159.4451,"end":1159.9451,"sentiment":"neutral","sentiment_score":0.09431641548871994}],"sentiment":"neutral","sentiment_score":0.09431641548871994,"channel":0,"num_words":1,"start":1159.4451,"end":1159.9451},{"sentences":[{"text":"Yes.","start":1159.52,"end":1160.02,"sentiment":"neutral","sentiment_score":0.10362250357866289},{"text":"Yep.","start":1160.32,"end":1160.82,"sentiment":"neutral","sentiment_score":0.09451660513877869}],"sentiment":"neutral","sentiment_score":0.09906955435872078,"channel":1,"num_words":2,"start":1159.52,"end":1160.82},{"sentences":[{"text":"Well, please let me know if it doesn't.","start":1161.4451,"end":1163.125,"sentiment":"neutral","sentiment_score":0.01323671720456332},{"text":"And if you need to ask more questions, you're more than welcome to.","start":1163.125,"end":1166.165,"sentiment":"neutral","sentiment_score":0.07370024718917333},{"text":"Okay?","start":1166.165,"end":1166.665,"sentiment":"neutral","sentiment_score":0.026378117501735687}],"sentiment":"neutral","sentiment_score":0.04956250311806798,"channel":0,"num_words":22,"start":1161.4451,"end":1166.665},{"sentences":[{"text":"No.","start":1166.7849,"end":1167.025,"sentiment":"neutral","sentiment_score":-0.07197801768779755},{"text":"That's fine.","start":1167.025,"end":1167.6649,"sentiment":"neutral","sentiment_score":-0.02272053249180317},{"text":"No.","start":1167.6649,"end":1167.9049,"sentiment":"neutral","sentiment_score":-0.06103800982236862},{"text":"That's fine.","start":1167.9049,"end":1168.725,"sentiment":"neutral","sentiment_score":0.056179191917181015}],"sentiment":"neutral","sentiment_score":-0.011016451443235079,"channel":1,"num_words":6,"start":1166.7849,"end":1168.725},{"sentences":[{"text":"All good.","start":1169.43,"end":1170.0701,"sentiment":"neutral","sentiment_score":0.23808464407920837},{"text":"So we are gonna sell a little bit of a physical goal, bring you back to 10% total.","start":1170.0701,"end":1174.17,"sentiment":"neutral","sentiment_score":0.1559770695037312},{"text":"The iShares S and P 500 is giving you access and exposure to the top 500 companies in The US.","start":1174.79,"end":1180.935,"sentiment":"neutral","sentiment_score":0.13321682289242745},{"text":"You have a little bit more of that at the moment, so 25.10%.","start":1181.3351,"end":1185.0951,"sentiment":"neutral","sentiment_score":0.10050136595964432},{"text":"We're gonna sell some of that off and bring you back to 20% there just","start":1185.0951,"end":1189.015,"sentiment":"neutral","sentiment_score":0.1724155440926552}],"sentiment":"neutral","sentiment_score":0.14471829288146076,"channel":0,"num_words":68,"start":1169.43,"end":1189.015},{"sentences":[{"text":"Yep.","start":1189.01,"end":1189.51,"sentiment":"neutral","sentiment_score":0.1250992715358734}],"sentiment":"neutral","sentiment_score":0.1250992715358734,"channel":1,"num_words":1,"start":1189.01,"end":1189.51},{"sentences":[{"text":"to rebalance the portfolio out.","start":1189.015,"end":1190.9551,"sentiment":"neutral","sentiment_score":0.14809424430131912},{"text":"You've got the beta shares Raffi a 200 in there as well.","start":1191.415,"end":1195.3551,"sentiment":"neutral","sentiment_score":0.22547734156250954},{"text":"That by no means has been a bad investment.","start":1195.4951,"end":1197.83,"sentiment":"neutral","sentiment_score":0.3086583978599972},{"text":"You've got about 12% there.","start":1197.83,"end":1199.4299,"sentiment":"neutral","sentiment_score":0.26110082268714907},{"text":"So we wanna just reduce the exposure back to 10% to selling a bit over 9,000 there for you.","start":1199.4299,"end":1205.5299,"sentiment":"neutral","sentiment_score":0.22084134581841922}],"sentiment":"neutral","sentiment_score":0.2345122916996479,"channel":0,"num_words":50,"start":1189.015,"end":1205.5299},{"sentences":[{"text":"Then","start":1205.75,"end":1205.99,"sentiment":"neutral","sentiment_score":0.13259851932525635}],"sentiment":"neutral","sentiment_score":0.13259851932525635,"channel":0,"num_words":1,"start":1205.75,"end":1205.99},{"sentences":[{"text":"Yep.","start":1205.825,"end":1206.18,"sentiment":"neutral","sentiment_score":0.11574995517730712}],"sentiment":"neutral","sentiment_score":0.11574995517730712,"channel":1,"num_words":1,"start":1205.825,"end":1206.18},{"sentences":[{"text":"you've got the Vanguard diversified index fund.","start":1205.99,"end":1209.0499,"sentiment":"neutral","sentiment_score":0.12539606168866158},{"text":"This one here, we wanna hold about 10% of your portfolio.","start":1209.375,"end":1212.675,"sentiment":"neutral","sentiment_score":0.004533659836108034},{"text":"It's a little bit underweighted at the moment.","start":1212.735,"end":1214.755,"sentiment":"neutral","sentiment_score":-0.24936525523662567},{"text":"This diversified index fund is is supposed to give you some more access to defensive assets, so we wanna increase that exposure a little bit to 10%, so that means buying a bit more of that.","start":1215.215,"end":1225.9199,"sentiment":"neutral","sentiment_score":0.04457363434549835},{"text":"And the Benelon Australian Equities, we're gonna sell all of that investment off.","start":1226.62,"end":1231.0199,"sentiment":"neutral","sentiment_score":-0.16428659512446478}],"sentiment":"neutral","sentiment_score":-0.021311390027403832,"channel":0,"num_words":75,"start":1205.99,"end":1231.0199},{"sentences":[{"text":"I'm not sure if Kyle explained when he spoke to you last time, but that investment has now been underperforming quite significantly in most portfolios.","start":1231.0199,"end":1238.24,"sentiment":"negative","sentiment_score":-0.37546730518341065},{"text":"So we have looked at that with the investment committee, and they've decided it's no longer a valuable investment to have within the portfolios.","start":1238.62,"end":1246.125,"sentiment":"negative","sentiment_score":-0.4289942669371764}],"sentiment":"negative","sentiment_score":-0.4016845925730102,"channel":0,"num_words":49,"start":1231.0199,"end":1246.125},{"sentences":[{"text":"Yep.","start":1246.945,"end":1247.265,"sentiment":"neutral","sentiment_score":-0.06281928718090057},{"text":"Yep.","start":1247.265,"end":1247.765,"sentiment":"neutral","sentiment_score":-0.04654088243842125}],"sentiment":"neutral","sentiment_score":-0.05468008480966091,"channel":1,"num_words":2,"start":1246.945,"end":1247.765},{"sentences":[{"text":"The idea of Bennelong is that they're an active investment manager, so they're supposed to be buying and selling, and trying to outperform against the market, but they have not been able to do so.","start":1247.5449,"end":1256.75,"sentiment":"neutral","sentiment_score":-0.09776026367076805},{"text":"So we are looking to remove that from the portfolio.","start":1256.81,"end":1259.31,"sentiment":"neutral","sentiment_score":-0.25459045767784116},{"text":"And to make sure you keep your Australian equity exposure, so, exposure into the Australian stock market.","start":1260.09,"end":1265.9451,"sentiment":"neutral","sentiment_score":-0.015151231823598637},{"text":"At the bottom, you've got the beta shares a 200.","start":1265.9451,"end":1268.765,"sentiment":"neutral","sentiment_score":0.03131540082395077}],"sentiment":"neutral","sentiment_score":-0.08211014913912448,"channel":0,"num_words":72,"start":1247.5449,"end":1268.765},{"sentences":[{"text":"Yep.","start":1269.29,"end":1269.79,"sentiment":"neutral","sentiment_score":0.0943029373884201}],"sentiment":"neutral","sentiment_score":0.0943029373884201,"channel":1,"num_words":1,"start":1269.29,"end":1269.79},{"sentences":[{"text":"We're gonna buy 10% of that, so you hold that exposure.","start":1269.305,"end":1273.5651,"sentiment":"neutral","sentiment_score":0.11896067654544656},{"text":"By removing Benelong and having the a 200, you're actually increasing your diversification and helping to lower the risk of your portfolio.","start":1274.505,"end":1281.82,"sentiment":"neutral","sentiment_score":0.28843090547756717},{"text":"Because the Banalong Australian Equities, they only ever held between 15 to 25 different investments within that portfolio.","start":1282.2799,"end":1288.7,"sentiment":"neutral","sentiment_score":0.0757299264272054},{"text":"The a 200 gives you exposure and tracks the top 200 companies on the ASX.","start":1289.72,"end":1294.62,"sentiment":"neutral","sentiment_score":0.16998151938120523},{"text":"So it is giving you a wider range of exposure","start":1294.8251,"end":1297.5651,"sentiment":"neutral","sentiment_score":0.15364971235394478}],"sentiment":"neutral","sentiment_score":0.1724132362164949,"channel":0,"num_words":76,"start":1269.305,"end":1297.5651},{"sentences":[{"text":"Yes.","start":1298.25,"end":1298.65,"sentiment":"neutral","sentiment_score":0.12635058164596558}],"sentiment":"neutral","sentiment_score":0.12635058164596558,"channel":1,"num_words":1,"start":1298.25,"end":1298.65},{"sentences":[{"text":"and","start":1298.5851,"end":1298.745,"sentiment":"neutral","sentiment_score":0.11596404016017914}],"sentiment":"neutral","sentiment_score":0.11596404016017914,"channel":0,"num_words":1,"start":1298.5851,"end":1298.745},{"sentences":[{"text":"Yes.","start":1298.65,"end":1299.075,"sentiment":"neutral","sentiment_score":0.11714741587638856}],"sentiment":"neutral","sentiment_score":0.11714741587638856,"channel":1,"num_words":1,"start":1298.65,"end":1299.075},{"sentences":[{"text":"more diversification, which helps to lower the risk level there.","start":1298.745,"end":1301.545,"sentiment":"neutral","sentiment_score":0.1795697405934334},{"text":"So we wanna hold 10%, and so we'll sell off that along and buy into the a 200 there for you.","start":1301.545,"end":1307.385,"sentiment":"neutral","sentiment_score":0.12559188192798978},{"text":"Okay?","start":1307.385,"end":1307.885,"sentiment":"neutral","sentiment_score":0.10943464189767838}],"sentiment":"neutral","sentiment_score":0.14195504900999367,"channel":0,"num_words":32,"start":1298.745,"end":1307.885},{"sentences":[{"text":"Yes.","start":1308.2749,"end":1308.6749,"sentiment":"neutral","sentiment_score":0.23662644624710083},{"text":"Lovely.","start":1308.6749,"end":1309.1749,"sentiment":"positive","sentiment_score":0.3626915514469147},{"text":"Yep.","start":1309.235,"end":1309.735,"sentiment":"neutral","sentiment_score":0.22853676974773407}],"sentiment":"neutral","sentiment_score":0.2759515891472499,"channel":1,"num_words":3,"start":1308.2749,"end":1309.735},{"sentences":[{"text":"And then the ClearBridge infrastructure fund, so this is more of an alternative investment giving you access to infrastructure across the essentially, across the globe is giving you diversification across different countries And also core composite bonds.","start":1310.2201,"end":1323.875,"sentiment":"neutral","sentiment_score":0.1870080725969495},{"text":"So bonds are replacing the bank hybrid investment.","start":1323.875,"end":1326.695,"sentiment":"neutral","sentiment_score":0.11811341438442469},{"text":"Bonds, this is giving you access to government as well as corporate bonds.","start":1327.555,"end":1330.835,"sentiment":"neutral","sentiment_score":0.20219658315181732},{"text":"And with bonds, you're essentially investing the money into the companies.","start":1330.835,"end":1334.935,"sentiment":"neutral","sentiment_score":0.13921785964207214},{"text":"The companies are then using that money to help build and grow and, you know, whatever they do on the inside of things.","start":1335.2899,"end":1341.07,"sentiment":"neutral","sentiment_score":0.06756101726837781}],"sentiment":"neutral","sentiment_score":0.1475876242975178,"channel":0,"num_words":92,"start":1310.2201,"end":1341.07},{"sentences":[{"text":"And because you're locking that money away in the investment, they're giving you income payments every month or every couple of months.","start":1341.2899,"end":1347.375,"sentiment":"neutral","sentiment_score":0.0455070784823461},{"text":"That income gets paid back into your cash account in your super fund, and then it is reinvested across the other ports of other parts of your portfolio.","start":1347.615,"end":1355.875,"sentiment":"neutral","sentiment_score":0.10470595423664365},{"text":"That helps the compounding effect of your portfolio.","start":1356.655,"end":1359.155,"sentiment":"neutral","sentiment_score":0.20316769182682037},{"text":"So we do wanna hold about 15% in bonds, and we wanna hold about 10% in infrastructure as well.","start":1359.215,"end":1366.14,"sentiment":"neutral","sentiment_score":0.0687779376381322},{"text":"So we will be buying both of those just to","start":1366.14,"end":1368.7,"sentiment":"neutral","sentiment_score":0.060697903484106065}],"sentiment":"neutral","sentiment_score":0.08588533137721577,"channel":0,"num_words":87,"start":1341.2899,"end":1368.7},{"sentences":[{"text":"Yes.","start":1368.5499,"end":1368.79,"sentiment":"neutral","sentiment_score":0.0557793565094471}],"sentiment":"neutral","sentiment_score":0.0557793565094471,"channel":1,"num_words":1,"start":1368.5499,"end":1368.79},{"sentences":[{"text":"increase","start":1368.7,"end":1369.1,"sentiment":"neutral","sentiment_score":0.051172688603401184}],"sentiment":"neutral","sentiment_score":0.051172688603401184,"channel":0,"num_words":1,"start":1368.7,"end":1369.1},{"sentences":[{"text":"Yes.","start":1368.79,"end":1369.29,"sentiment":"neutral","sentiment_score":0.06288677453994751}],"sentiment":"neutral","sentiment_score":0.06288677453994751,"channel":1,"num_words":1,"start":1368.79,"end":1369.29},{"sentences":[{"text":"your exposure and make sure you've got those defensive investments as well.","start":1369.1,"end":1372.54,"sentiment":"neutral","sentiment_score":0.08730674752344687},{"text":"Okay?","start":1372.54,"end":1373.04,"sentiment":"neutral","sentiment_score":0.08751194179058075}],"sentiment":"neutral","sentiment_score":0.0873225316978418,"channel":0,"num_words":13,"start":1369.1,"end":1373.04},{"sentences":[{"text":"Yes.","start":1373.99,"end":1374.49,"sentiment":"neutral","sentiment_score":0.15412667393684387}],"sentiment":"neutral","sentiment_score":0.15412667393684387,"channel":1,"num_words":1,"start":1373.99,"end":1374.49},{"sentences":[{"text":"All good.","start":1375.145,"end":1375.785,"sentiment":"positive","sentiment_score":0.4062184989452362},{"text":"That is a lot.","start":1375.785,"end":1376.665,"sentiment":"neutral","sentiment_score":0.3149888888001442},{"text":"I completely get it.","start":1376.665,"end":1378.205,"sentiment":"neutral","sentiment_score":0.2538892328739166},{"text":"I try to try to go through those as easy as possible, but also making sure to give you a little bit of context because otherwise, they're like, here's what you've got.","start":1378.905,"end":1386.185,"sentiment":"neutral","sentiment_score":0.10192121658474207},{"text":"Here's what we're moving.","start":1386.185,"end":1387.225,"sentiment":"neutral","sentiment_score":0.034832498989999294}],"sentiment":"neutral","sentiment_score":0.14105996546214042,"channel":0,"num_words":46,"start":1375.145,"end":1387.225},{"sentences":[{"text":"Here's what we're gonna put in there.","start":1387.225,"end":1388.91,"sentiment":"neutral","sentiment_score":0.04408371129206249},{"text":"So just to give you a little bit of context on what each of the investments are, what they're good for, what we're going to do with the portfolio, essentially, and why we're selling some of these investments as well because, you know, sometimes you look at it and go, well, why are you selling all of that down?","start":1389.63,"end":1402.75,"sentiment":"neutral","sentiment_score":-0.012184650337291976},{"text":"It hasn't done too badly.","start":1402.75,"end":1404.13,"sentiment":"neutral","sentiment_score":-0.28949292600154874},{"text":"It actually, unfortunately, been along hasn't been great, and we do wanna get rid of all of that investment.","start":1404.335,"end":1409.3151,"sentiment":"negative","sentiment_score":-0.40618581050320673}],"sentiment":"neutral","sentiment_score":-0.10639226022693846,"channel":0,"num_words":90,"start":1387.225,"end":1409.3151},{"sentences":[{"text":"Yep.","start":1409.975,"end":1410.475,"sentiment":"neutral","sentiment_score":-0.055666498839855194}],"sentiment":"neutral","sentiment_score":-0.055666498839855194,"channel":1,"num_words":1,"start":1409.975,"end":1410.475},{"sentences":[{"text":"And bank bank hybrids, because the government are gonna phase those out down the track, whilst we're making changes to your portfolio now, we may as well sell those down and replace them now.","start":1410.015,"end":1419.795,"sentiment":"neutral","sentiment_score":-0.057208527482169515},{"text":"That way","start":1419.89,"end":1420.2101,"sentiment":"neutral","sentiment_score":0.0396299846470356}],"sentiment":"neutral","sentiment_score":-0.05182861014165812,"channel":0,"num_words":36,"start":1410.015,"end":1420.2101},{"sentences":[{"text":"Yep.","start":1420.19,"end":1420.69,"sentiment":"neutral","sentiment_score":0.046519409865140915}],"sentiment":"neutral","sentiment_score":0.046519409865140915,"channel":1,"num_words":1,"start":1420.19,"end":1420.69},{"sentences":[{"text":"your portfolio has time to recover and rebuild and grow rather than making these changes now.","start":1420.2101,"end":1425.9701,"sentiment":"neutral","sentiment_score":0.057642392348498106},{"text":"And then in two years when they actually have them removed, we have to go back and find something quickly for you.","start":1425.9701,"end":1432.05,"sentiment":"neutral","sentiment_score":0.012048141014846888},{"text":"So","start":1432.05,"end":1432.515,"sentiment":"neutral","sentiment_score":0.08985884487628937}],"sentiment":"neutral","sentiment_score":0.032748621148176685,"channel":0,"num_words":39,"start":1420.2101,"end":1432.515},{"sentences":[{"text":"Absolutely.","start":1432.525,"end":1433.025,"sentiment":"neutral","sentiment_score":0.16655555367469788}],"sentiment":"neutral","sentiment_score":0.16655555367469788,"channel":1,"num_words":1,"start":1432.525,"end":1433.025},{"sentences":[{"text":"it's just about trying","start":1432.595,"end":1433.475,"sentiment":"neutral","sentiment_score":0.13337105885148048}],"sentiment":"neutral","sentiment_score":0.13337105885148048,"channel":0,"num_words":4,"start":1432.595,"end":1433.475},{"sentences":[{"text":"Yes.","start":1433.325,"end":1433.825,"sentiment":"neutral","sentiment_score":0.155368834733963}],"sentiment":"neutral","sentiment_score":0.155368834733963,"channel":1,"num_words":1,"start":1433.325,"end":1433.825},{"sentences":[{"text":"to make all the changes in a more appropriate manner for you.","start":1433.475,"end":1436.775,"sentiment":"neutral","sentiment_score":0.19346152991056442},{"text":"Okay?","start":1436.835,"end":1437.335,"sentiment":"neutral","sentiment_score":0.15990188717842102}],"sentiment":"neutral","sentiment_score":0.19088001893116877,"channel":0,"num_words":13,"start":1433.475,"end":1437.335},{"sentences":[{"text":"Lovely.","start":1437.245,"end":1437.745,"sentiment":"positive","sentiment_score":0.4178488254547119},{"text":"Yes.","start":1437.805,"end":1438.14,"sentiment":"neutral","sentiment_score":0.3019629120826721},{"text":"Thank you.","start":1438.38,"end":1439.12,"sentiment":"positive","sentiment_score":0.5386897623538971}],"sentiment":"positive","sentiment_score":0.44929781556129456,"channel":1,"num_words":4,"start":1437.245,"end":1439.12},{"sentences":[{"text":"Excellent.","start":1439.235,"end":1439.735,"sentiment":"positive","sentiment_score":0.49483782052993774},{"text":"Oh, good.","start":1439.875,"end":1440.275,"sentiment":"neutral","sentiment_score":0.24444733560085297},{"text":"In your cash account within the super fund, your cash is a little bit high.","start":1440.275,"end":1443.555,"sentiment":"neutral","sentiment_score":-0.04139301230510076},{"text":"We only need to hold about 1.25 in cash.","start":1443.555,"end":1446.69,"sentiment":"neutral","sentiment_score":0.036585756267110504},{"text":"At the moment, you've got a bit over 2% there, so it does mean we're going to buy some of the investments.","start":1446.9299,"end":1451.9099,"sentiment":"neutral","sentiment_score":0.05732086995108561}],"sentiment":"neutral","sentiment_score":0.039860576581285924,"channel":0,"num_words":49,"start":1439.235,"end":1451.9099},{"sentences":[{"text":"A bit over 4","start":1452.21,"end":1453.0099,"sentiment":"neutral","sentiment_score":0.018053525127470493}],"sentiment":"neutral","sentiment_score":0.018053525127470493,"channel":0,"num_words":4,"start":1452.21,"end":1453.0099},{"sentences":[{"text":"Yes.","start":1452.9049,"end":1453.4049,"sentiment":"neutral","sentiment_score":0.06686855852603912}],"sentiment":"neutral","sentiment_score":0.06686855852603912,"channel":1,"num_words":1,"start":1452.9049,"end":1453.4049},{"sentences":[{"text":"thousand needs to be invested, so we'll make sure that happens for you as well.","start":1453.0099,"end":1456.7899,"sentiment":"neutral","sentiment_score":0.1412918085853259},{"text":"Okay?","start":1456.85,"end":1457.35,"sentiment":"neutral","sentiment_score":0.06506110727787018},{"text":"If you can scroll down for me to page number 22, this is kind of giving you the projected outcome and why we're looking to make those changes.","start":1459.1849,"end":1466.565,"sentiment":"neutral","sentiment_score":0.08033117306019578}],"sentiment":"neutral","sentiment_score":0.10076616094871,"channel":0,"num_words":44,"start":1453.0099,"end":1466.565},{"sentences":[{"text":"Okay.","start":1468.39,"end":1468.89,"sentiment":"neutral","sentiment_score":0.04241795465350151},{"text":"Yeah.","start":1469.35,"end":1469.4299,"sentiment":"neutral","sentiment_score":0.030410148203372955},{"text":"21, 22.","start":1469.4299,"end":1471.03,"sentiment":"neutral","sentiment_score":0.026440308429300785},{"text":"Yep.","start":1471.03,"end":1471.4299,"sentiment":"neutral","sentiment_score":0.06755843758583069},{"text":"Yep.","start":1471.4299,"end":1471.9299,"sentiment":"neutral","sentiment_score":0.07229664921760559}],"sentiment":"neutral","sentiment_score":0.04426063441981872,"channel":1,"num_words":6,"start":1468.39,"end":1471.9299},{"sentences":[{"text":"Yes.","start":1472.64,"end":1472.7999,"sentiment":"neutral","sentiment_score":0.0959729552268982},{"text":"This is the fee comparison table, and the first column outlines your current superannuation balance, the fees that you've got in there.","start":1472.7999,"end":1479.84,"sentiment":"neutral","sentiment_score":0.08269269849089059},{"text":"So super funds, they do have admin fees, investment fees.","start":1479.84,"end":1482.975,"sentiment":"neutral","sentiment_score":0.08055144920945168},{"text":"You've got the ongoing service fee for having us update the advice and look after everything in the back end.","start":1482.975,"end":1487.855,"sentiment":"neutral","sentiment_score":0.09945641495287419},{"text":"And then you've got your contributions, which is your employer contributions as well as your salary sacrifice you're currently making into the fund as well 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current portfolio and how it has performed over the past five years, it averaged about 8.33%, which is by no means a bad investment for performance at all, but you're closer to retiring.","start":1502.12,"end":1518.165,"sentiment":"neutral","sentiment_score":0.092696206488957},{"text":"So we wanna make sure it's working as hard as possible.","start":1518.165,"end":1520.665,"sentiment":"neutral","sentiment_score":-0.029505300250920383},{"text":"So when we make these changes by those buyers and sellers that we went through before, your super fund, just like you, does a tax return every year.","start":1521.285,"end":1529.5499,"sentiment":"neutral","sentiment_score":-0.00948792542996151},{"text":"So we know","start":1529.5499,"end":1530.27,"sentiment":"neutral","sentiment_score":0.02241617627441883}],"sentiment":"neutral","sentiment_score":0.04334664211239455,"channel":0,"num_words":106,"start":1497.48,"end":1530.27},{"sentences":[{"text":"Yes.","start":1529.9701,"end":1530.285,"sentiment":"neutral","sentiment_score":0.04972797632217407}],"sentiment":"neutral","sentiment_score":0.04972797632217407,"channel":1,"num_words":1,"start":1529.9701,"end":1530.285},{"sentences":[{"text":"by doing the research that the super fund will account for capital gains of $950 by making those changes.","start":1530.27,"end":1537.5499,"sentiment":"neutral","sentiment_score":0.08410688724957015},{"text":"So by buying and selling the different investments, the super fund will pay about $950 in CGT for doing that.","start":1537.5499,"end":1545.015,"sentiment":"neutral","sentiment_score":0.09169730506837367},{"text":"Okay?","start":1545.015,"end":1545.515,"sentiment":"neutral","sentiment_score":0.03700975328683853}],"sentiment":"neutral","sentiment_score":0.08672466780990362,"channel":0,"num_words":40,"start":1530.27,"end":1545.515},{"sentences":[{"text":"Okay.","start":1545.54,"end":1546.04,"sentiment":"neutral","sentiment_score":0.05181501805782318},{"text":"Yes.","start":1546.1001,"end":1546.6001,"sentiment":"neutral","sentiment_score":0.08391135931015015}],"sentiment":"neutral","sentiment_score":0.06786318868398666,"channel":1,"num_words":2,"start":1545.54,"end":1546.6001},{"sentences":[{"text":"Yeah.","start":1547.255,"end":1547.735,"sentiment":"neutral","sentiment_score":0.11558983474969864},{"text":"After that occurs, your expected balance within the fund is about $396,096.","start":1547.735,"end":1554.475,"sentiment":"neutral","sentiment_score":0.19589213281869888},{"text":"You'll still have administration fees because the balance is slightly lower.","start":1555.1699,"end":1558.45,"sentiment":"neutral","sentiment_score":0.21579502116550098},{"text":"It does save you about $2 for the year in admin fees.","start":1558.45,"end":1561.75,"sentiment":"positive","sentiment_score":0.3586784514288108},{"text":"The investment fees are the biggest part.","start":1562.0499,"end":1563.8899,"sentiment":"positive","sentiment_score":0.42557523931775776}],"sentiment":"neutral","sentiment_score":0.28193508729685185,"channel":0,"num_words":43,"start":1547.255,"end":1563.8899},{"sentences":[{"text":"So the newer portfolio as a whole actually has cheaper investment fees, and it's expected to save you $402 for the first year in investment fees, which is a pretty decent saving.","start":1563.8899,"end":1574.665,"sentiment":"positive","sentiment_score":0.6498340126127005},{"text":"That's more money left in your super working harder for 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for the first year there for you as well.","start":1585.62,"end":1593.62,"sentiment":"positive","sentiment_score":0.3344343638625638},{"text":"Okay?","start":1593.62,"end":1594.12,"sentiment":"neutral","sentiment_score":0.14848937094211578}],"sentiment":"neutral","sentiment_score":0.28578534843970316,"channel":0,"num_words":49,"start":1580.265,"end":1594.12},{"sentences":[{"text":"Yep.","start":1594.755,"end":1595.255,"sentiment":"neutral","sentiment_score":0.2090051770210266}],"sentiment":"neutral","sentiment_score":0.2090051770210266,"channel":1,"num_words":1,"start":1594.755,"end":1595.255},{"sentences":[{"text":"Contributions remain the same, and your insurance premiums don't change because we're not making any changes to those.","start":1595.94,"end":1601.595,"sentiment":"neutral","sentiment_score":0.07555757794115278},{"text":"But with that new balance growth portfolio, we're keeping the same level of exposure.","start":1601.8151,"end":1605.915,"sentiment":"neutral","sentiment_score":0.31409180483647753},{"text":"But with the investments we're putting in there, it has actually seen a much greater return.","start":1606.295,"end":1611.195,"sentiment":"positive","sentiment_score":0.58603142388165},{"text":"So it's about point 69% more that it's averaged over the past five years.","start":1611.61,"end":1616.4299,"sentiment":"positive","sentiment_score":0.5923410930803844},{"text":"And if you sort of take those two returns and average them out over the next five to six years on the next page, you can sort of see that it does put you in a greater position.","start":1616.73,"end":1625.71,"sentiment":"positive","sentiment_score":0.5307736451688566}],"sentiment":"positive","sentiment_score":0.4359599827229977,"channel":0,"num_words":100,"start":1595.94,"end":1625.71},{"sentences":[{"text":"It's about making sure that super is working as hard as possible for you.","start":1625.955,"end":1629.575,"sentiment":"neutral","sentiment_score":0.244297770517213},{"text":"So if the","start":1629.635,"end":1630.115,"sentiment":"neutral","sentiment_score":0.11499078820149104}],"sentiment":"neutral","sentiment_score":0.22147889128502676,"channel":0,"num_words":17,"start":1625.955,"end":1630.115},{"sentences":[{"text":"Okay.","start":1630.1101,"end":1630.6101,"sentiment":"neutral","sentiment_score":0.11350439488887788}],"sentiment":"neutral","sentiment_score":0.11350439488887788,"channel":1,"num_words":1,"start":1630.1101,"end":1630.6101},{"sentences":[{"text":"new 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in.","start":1665.9299,"end":1676.1699,"sentiment":"neutral","sentiment_score":-0.001715862841317148},{"text":"So you'll end up with two accounts open.","start":1676.1699,"end":1678.2699,"sentiment":"neutral","sentiment_score":0.12480470538139343},{"text":"You'll see for accumulation as well as that it's called a TTR pension account.","start":1678.475,"end":1683.135,"sentiment":"neutral","sentiment_score":0.12823212945035525}],"sentiment":"neutral","sentiment_score":0.049764799665321005,"channel":0,"num_words":55,"start":1665.9299,"end":1683.135},{"sentences":[{"text":"Yes.","start":1683.63,"end":1684.13,"sentiment":"neutral","sentiment_score":0.08048111945390701}],"sentiment":"neutral","sentiment_score":0.08048111945390701,"channel":1,"num_words":1,"start":1683.63,"end":1684.13},{"sentences":[{"text":"Essentially, with the current scenario and I'll go back and just rerun the numbers for you just to make sure, and I'll update this document to 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free.","start":1721.295,"end":1725.955,"sentiment":"positive","sentiment_score":0.36248929984867573}],"sentiment":"neutral","sentiment_score":0.18938032028797483,"channel":0,"num_words":112,"start":1683.915,"end":1725.955},{"sentences":[{"text":"So unlike your income, when you receive that from your employer, they deduct income tax.","start":1727.0,"end":1732.76,"sentiment":"neutral","sentiment_score":0.18365633189678193},{"text":"Because you're over 60, that $3.80 and 76¢ per fortnight drawn out of the TCR pension account is completely tax free.","start":1732.76,"end":1741.495,"sentiment":"neutral","sentiment_score":0.32145669907331464},{"text":"So it actually means you have to pay income tax on that amount, which is kind of 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fortnight.","start":1754.215,"end":1758.03,"sentiment":"neutral","sentiment_score":0.03905456906391515},{"text":"Are you still salary sacrificing that?","start":1758.03,"end":1760.19,"sentiment":"neutral","sentiment_score":0.0055288684864838915},{"text":"And are you still planning to keep that salary sacrifice at the same level moving forward?","start":1760.19,"end":1764.85,"sentiment":"neutral","sentiment_score":0.08779244311153889}],"sentiment":"neutral","sentiment_score":0.10120880041414729,"channel":0,"num_words":52,"start":1748.5349,"end":1764.85},{"sentences":[{"text":"Yeah.","start":1765.945,"end":1766.345,"sentiment":"neutral","sentiment_score":0.026779115200042725},{"text":"Well, I think so.","start":1766.345,"end":1767.465,"sentiment":"neutral","sentiment_score":0.020150762051343918},{"text":"Yeah.","start":1767.465,"end":1767.865,"sentiment":"neutral","sentiment_score":-0.013242870569229126},{"text":"I don't see why I 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absolutely do that.","start":1774.925,"end":1776.045,"sentiment":"positive","sentiment_score":0.4348996877670288},{"text":"That's not a problem at all.","start":1776.045,"end":1777.245,"sentiment":"neutral","sentiment_score":0.32763245701789856},{"text":"We can make sure to reflect that.","start":1777.245,"end":1778.765,"sentiment":"neutral","sentiment_score":0.27756744836057934},{"text":"So we'll just go back and redig the numbers to see if there needs to be a change to the strategy.","start":1778.765,"end":1783.5701,"sentiment":"neutral","sentiment_score":0.10912943489494778}],"sentiment":"neutral","sentiment_score":0.20894957274982803,"channel":0,"num_words":38,"start":1774.925,"end":1783.5701},{"sentences":[{"text":"Yep.","start":1783.7999,"end":1784.2799,"sentiment":"neutral","sentiment_score":0.1204661950469017}],"sentiment":"neutral","sentiment_score":0.1204661950469017,"channel":1,"num_words":1,"start":1783.7999,"end":1784.2799},{"sentences":[{"text":"But 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$857.69 on a fortnightly basis.","start":1807.035,"end":1814.6799,"sentiment":"neutral","sentiment_score":0.1643272191286087},{"text":"So it means that your employer increases your salary sacrifice into your super by $857.69.","start":1814.6799,"end":1821.82,"sentiment":"neutral","sentiment_score":0.19144492149353026},{"text":"That's how much comes out of your out of your income into super, and then","start":1821.88,"end":1826.135,"sentiment":"neutral","sentiment_score":0.19669790069262186}],"sentiment":"neutral","sentiment_score":0.16410820338740406,"channel":0,"num_words":83,"start":1784.91,"end":1826.135},{"sentences":[{"text":"Yep.","start":1825.99,"end":1826.49,"sentiment":"neutral","sentiment_score":0.15845081210136414}],"sentiment":"neutral","sentiment_score":0.15845081210136414,"channel":1,"num_words":1,"start":1825.99,"end":1826.49},{"sentences":[{"text":"we replenish that by drawing out $380.76 per 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page 26 for me, I can show you the table that essentially breaks down the math to make it a little bit easier.","start":1849.255,"end":1855.915,"sentiment":"neutral","sentiment_score":0.2587367764541081}],"sentiment":"neutral","sentiment_score":0.2587367764541081,"channel":0,"num_words":28,"start":1849.255,"end":1855.915},{"sentences":[{"text":"Oh, yeah.","start":1856.81,"end":1857.2101,"sentiment":"neutral","sentiment_score":0.07373660430312157},{"text":"Here we go.","start":1857.2101,"end":1857.77,"sentiment":"neutral","sentiment_score":0.05846507723132769},{"text":"Yep.","start":1857.77,"end":1858.27,"sentiment":"neutral","sentiment_score":0.0797543004155159}],"sentiment":"neutral","sentiment_score":0.06710379011929035,"channel":1,"num_words":6,"start":1856.81,"end":1858.27},{"sentences":[{"text":"Yeah.","start":1859.255,"end":1859.755,"sentiment":"neutral","sentiment_score":0.05818679928779602},{"text":"So looking at the third table down, it's got the income tax calculation, and 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get the new document updated and sent through to you.","start":2504.5552,"end":2508.635,"sentiment":"neutral","sentiment_score":0.2673779769855387},{"text":"Okay?","start":2508.635,"end":2509.135,"sentiment":"neutral","sentiment_score":0.1123020350933075}],"sentiment":"neutral","sentiment_score":0.29137279519013,"channel":0,"num_words":28,"start":2501.94,"end":2509.135},{"sentences":[{"text":"Yes.","start":2509.635,"end":2510.135,"sentiment":"neutral","sentiment_score":0.29672980308532715},{"text":"Lovely.","start":2510.195,"end":2510.675,"sentiment":"positive","sentiment_score":0.6944581270217896},{"text":"Thank you so much, Dana.","start":2510.675,"end":2512.195,"sentiment":"positive","sentiment_score":0.755083954334259},{"text":"Thank you.","start":2512.195,"end":2512.855,"sentiment":"positive","sentiment_score":0.6383180618286133}],"sentiment":"positive","sentiment_score":0.6714715361595154,"channel":1,"num_words":9,"start":2509.635,"end":2512.855},{"sentences":[{"text":"That's 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know.","start":2526.9602,"end":2528.6602,"sentiment":"neutral","sentiment_score":-0.14694444622312272},{"text":"Give us a call.","start":2528.7202,"end":2529.52,"sentiment":"neutral","sentiment_score":0.0038937572389841062},{"text":"One of my team can certainly give you a hand.","start":2529.52,"end":2531.6,"sentiment":"neutral","sentiment_score":0.22264740169048308}],"sentiment":"neutral","sentiment_score":0.06643367931246758,"channel":0,"num_words":24,"start":2525.2002,"end":2531.6},{"sentences":[{"text":"It's not an issue at all.","start":2531.6,"end":2532.7449,"sentiment":"neutral","sentiment_score":0.05413815379142761},{"text":"But, yeah, honestly, tell your mom sorry for taking up all your time, and I 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you so much.","start":2547.4702,"end":2548.61,"sentiment":"positive","sentiment_score":0.7107472866773605}],"sentiment":"positive","sentiment_score":0.600933986050742,"channel":1,"num_words":7,"start":2546.59,"end":2548.61},{"sentences":[{"text":"Thanks, Julie.","start":2549.093,"end":2549.893,"sentiment":"positive","sentiment_score":0.5957902371883392},{"text":"Talk soon.","start":2549.893,"end":2550.4531,"sentiment":"positive","sentiment_score":0.46290381252765656},{"text":"See you later.","start":2550.4531,"end":2551.353,"sentiment":"positive","sentiment_score":0.3438307543595632}],"sentiment":"positive","sentiment_score":0.4498400517872402,"channel":0,"num_words":7,"start":2549.093,"end":2551.353},{"sentences":[{"text":"No worries.","start":2550.9102,"end":2551.6501,"sentiment":"neutral","sentiment_score":0.19813517481088638},{"text":"Bye","start":2551.7102,"end":2551.9502,"sentiment":"neutral","sentiment_score":0.1597299724817276}],"sentiment":"neutral","sentiment_score":0.18533344070116678,"channel":1,"num_words":3,"start":2550.9102,"end":2551.9502},{"sentences":[{"text":"Bye.","start":2551.733,"end":2552.233,"sentiment":"neutral","sentiment_score":0.18403397500514984}],"sentiment":"neutral","sentiment_score":0.18403397500514984,"channel":0,"num_words":1,"start":2551.733,"end":2552.233},{"sentences":[{"text":"bye.","start":2551.9502,"end":2552.4502,"sentiment":"neutral","sentiment_score":-0.09098242223262788}],"sentiment":"neutral","sentiment_score":-0.09098242223262788,"channel":1,"num_words":1,"start":2551.9502,"end":2552.4502}]},"summary":{"result":"success","short":"During a call with a representative from Okie Financial, the customer, Julie, discusses her financial situation with them, including her retirement goals and income protection. The representative provides guidance on how to sign documents and discusses her risk profile, including reducing risk levels gradually as she reaches retirement and increases her longevity. They also discuss the process of updating retirement portfolios and reducing exposure to certain stocks. The speaker emphasizes the importance of reducing risk levels gradually and offers advice on risk management. They also explain the process of opening a second pension account and updating beneficiaries, including updating the beneficiary nomination and keeping pay slip and updating beneficiary Mondials. The customer is advised to keep any questions and rerun the numbers."},"intents":{"segments":[{"text":"The IT guys need to fix this, so I'm gonna call off my phone, and we'll go sit in an office somewhere. Sorry about that.","start_word":108,"end_word":132,"intents":[{"intent":"Fix issue","confidence_score":0.01920529}]},{"text":"But as you spoke to my colleague Kyle a few months ago, and he was looking to do that transfer your time strategy for you. Kyle has unfortunately left the company. He's gone on to some greener parts. He just wanted to look at some trying out some other advice as an adviser. Yep.","start_word":388,"end_word":441,"intents":[{"intent":"Transfer time strategy","confidence_score":0.30810824}]},{"text":"So we wanna make sure we take very good care of that, and any advice we do provide, those need to be provided in best interest as per the corporations act, making sure that we're here to meet your goals and that the advice is reviewed and updated as it needs to be as we work towards your goals and your retirement. 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You were hoping to ideally retire by the age of 67, income to be drawn down in retirement.","start_word":665,"end_word":704,"intents":[{"intent":"Explore retirement areas","confidence_score":0.0024035785}]},{"text":"Expect it to be about $800 per week to maintain your current lifestyle.","start_word":706,"end_word":718,"intents":[{"intent":"Explain cost","confidence_score":0.00011829113}]},{"text":"wanted to explore additional strategies to help and grow your super in terms of investments and contribution strategies to help get you the best retirement outcome possible.","start_word":720,"end_word":746,"intents":[{"intent":"Explore strategies","confidence_score":0.31992212}]},{"text":"The scoping the limited scoping is more in in reference to areas that we're not making new recommendations around, but we are keeping sort of so dim because it has an effect on on the other recommendations. So, essentially, this is in relation to insurances. So you do have some insurances, some life and TBD, which is essentially paid out of your super. So whilst Yes.","start_word":809,"end_word":874,"intents":[{"intent":"Simplify plans","confidence_score":0.009729913}]},{"text":"So what I can do, if you like, is I'll take you through the advice. I'll show you what it looks like now. And Yep. then if you want, I can just go back. So you're with no way over time, your base salary is 65,500 per annum. Is that right? Yep.","start_word":1786,"end_word":1837,"intents":[{"intent":"Confirm and discuss","confidence_score":0.0001799861}]},{"text":"So what I'll do is after the call, Yep. I don't sign it. What I'll do is I'll just go back to the team. We'll just redig the numbers a bit for that TTR strategy.","start_word":1843,"end_word":1877,"intents":[{"intent":"Redig and redig numbers","confidence_score":0.007325089}]},{"text":"And then when I've got that ready, I'll email it back to you, and I'll just give you a bit of a call So just Yep.","start_word":1878,"end_word":1903,"intents":[{"intent":"Email to yep","confidence_score":0.0033628333}]},{"text":"So in that middle range there, a balanced growth environment is looking to still get some growth out of your super, but you are kind of in that closest sort of retirement era where you are transitioning down and wanting to reduce your risk.","start_word":2366,"end_word":2409,"intents":[{"intent":"Create retirement strategy","confidence_score":0.00018338383}]},{"text":"And the beauty of doing that TTR strategy, the transition retirement is that you're able to increase your contributions in the super by way of salary sacrifice, but also take some money out.","start_word":2773,"end_word":2805,"intents":[{"intent":"Discuss retirement strategy","confidence_score":0.0034657002}]},{"text":"nine page 19? Nineteen. Yeah. Like okay. Oh, I yeah. Okay. Righty. I hear we are here. Yeah. Okay. Yep. Alrighty. Right. Yeah. Yep. So this is why I sort of, like, well, let's have a look at it together. Yep.","start_word":3115,"end_word":3155,"intents":[{"intent":"Discuss investing","confidence_score":0.00042403035}]},{"text":"the bank hybrids, the one underneath that, that's more of a complex in a complex investment.","start_word":3244,"end_word":3259,"intents":[{"intent":"Mention bank hybrids","confidence_score":0.046934176}]},{"text":"So you'll have Yep. about 5% of your total portfolio there, and global agriculture is good. It is giving you exposure to global agriculture companies, so it is diversifying across the entire globe, which is what you want to help reduce overall risk.","start_word":3441,"end_word":3483,"intents":[{"intent":"Explain portfolios","confidence_score":0.0000028561888}]},{"text":"about 5% of your total portfolio there, and global agriculture is good. It is giving you exposure to global agriculture companies, so it is diversifying across the entire globe, which is what you want to help reduce overall risk.","start_word":3445,"end_word":3483,"intents":[{"intent":"Explain portfolio diversification","confidence_score":0.0004917748}]},{"text":"Physical gold, which has done really, really nicely and has done very well in your portfolio, but you are a little bit overexposed at the moment, so we only wanna hold about 10% physical gold.","start_word":3486,"end_word":3520,"intents":[{"intent":"Sell assets","confidence_score":0.18759751}]},{"text":"So to take advantage of physical gold, we do have to be able to sell it off every so often, rebalance it back, and that cements the gains that you've received, and then we redistribute those gains across other areas of your portfolio.","start_word":3535,"end_word":3577,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.19947931},{"intent":"Rebalance portfolio","confidence_score":0.17650104},{"intent":"Rebalance portfolio","confidence_score":0.089321606},{"intent":"Rebalance portfolio","confidence_score":0.09564283}]},{"text":"This diversified index fund is is supposed to give you some more access to defensive assets, so we wanna increase that exposure a little bit to 10%, so that means buying a bit more of that.","start_word":3858,"end_word":3893,"intents":[{"intent":"Increasing exposure","confidence_score":0.11370989}]},{"text":"The idea of Bennelong is that they're an active investment manager, so they're supposed to be buying and selling, and trying to outperform against the market, but they have not been able to do so. So we are looking to remove that from the portfolio.","start_word":3958,"end_word":4002,"intents":[{"intent":"Selling benelong's investment","confidence_score":0.0076529966},{"intent":"Removing benelong investment","confidence_score":0.00065956713},{"intent":"Selling benelong's portfolio","confidence_score":0.2207452},{"intent":"Selling benelong's portfolio","confidence_score":0.19429101},{"intent":"Selling benelong's investment","confidence_score":0.012891449}]},{"text":"And to make sure you keep your Australian equity exposure, so, exposure into the Australian stock market.","start_word":4003,"end_word":4019,"intents":[{"intent":"Keeping australian stock market exposure","confidence_score":0.014256308}]},{"text":"By removing Benelong and having the a 200, you're actually increasing your diversification and helping to lower the risk of your portfolio.","start_word":4042,"end_word":4063,"intents":[{"intent":"Adding diversification and lowing risk","confidence_score":0.000178953}]},{"text":"And then the ClearBridge infrastructure fund, so this is more of an alternative investment giving you access to infrastructure across the essentially, across the globe is giving you diversification across different countries And also core composite bonds.","start_word":4145,"end_word":4181,"intents":[{"intent":"Adding bridge infrastructure fund","confidence_score":0.016437966}]},{"text":"The companies are then using that money to help build and grow and, you know, whatever they do on the inside of things. And because you're locking that money away in the investment, they're giving you income payments every month or every couple of months. That income gets paid back into your cash account in your super fund, and then it is reinvested across the other ports of other parts of your portfolio. That helps the compounding effect of your portfolio.","start_word":4215,"end_word":4295,"intents":[{"intent":"Promote portfolio management","confidence_score":0.012179429}]},{"text":"We only need to hold about 1.25 in cash. At the moment, you've got a bit over 2% there, so it does mean we're going to buy some of the investments.","start_word":4596,"end_word":4626,"intents":[{"intent":"Explain investment decisions","confidence_score":0.0032660025}]},{"text":"Essentially, with the current scenario and I'll go back and just rerun the numbers for you just to make sure, and I'll update this document to reflect.","start_word":5315,"end_word":5341,"intents":[{"intent":"Update document","confidence_score":0.21896279}]},{"text":"But just so you can sort of see what we had worked on, we were expecting to be able to transfer about a 110,000 out of your super and into the into the TTR pension account, and that would leave about $287,046 in the accumulation side.","start_word":5343,"end_word":5388,"intents":[{"intent":"Transfer money","confidence_score":0.06426753}]},{"text":"We would then gonna be able to start drawing down $990 per year or essentially per fortnight.","start_word":5388,"end_word":5404,"intents":[{"intent":"Draw down income","confidence_score":0.018493375}]},{"text":"At at the moment, you are already got employer contributions going in, and I'll just go back and double check those. But you're also salary sacrificing about $300 per fortnight. Are you still salary sacrificing that? And are you still planning to keep that salary sacrifice at the same level moving forward? Yeah.","start_word":5484,"end_word":5536,"intents":[{"intent":"Determine salary sacrifice strategy","confidence_score":0.0012694352}]},{"text":"So looking at the third table down, it's got the income tax calculation, and it's got your salary starting point at 85,000 per annum. Can you see that?","start_word":5796,"end_word":5823,"intents":[{"intent":"Provide income tax calculation","confidence_score":0.031652465}]},{"text":"So the 85,000 minus the increase in salary sacrifice of 22,300 leaves you with $62,700 taxable income, then your income tax is deducted, so it goes down to 10,525, and that leaves you with a net take home pay of $52,175. Then because we've increased your salary sacrifice and it's reduced your take home pay, we need to replenish that, and that's where that TTR pension account comes into play.","start_word":5991,"end_word":6060,"intents":[{"intent":"Refill salary sacrifice","confidence_score":0.009255831}]},{"text":"it is best to work it out on the base income only Yes.","start_word":6335,"end_word":6347,"intents":[{"intent":"Evaluate benefits","confidence_score":0.013453866}]},{"text":"The only other thing I kinda wanted to go through with you is we did talk about the estate planning side of the thing. So because we are opening up a secondary account, we do like to make sure that we have beneficiaries updated, and we do have to have a secondary beneficiary nomination applied. So when we open up that TTR pension account, Yep. we'll have the beneficiary nomination applied for you. Yes.","start_word":7011,"end_word":7084,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.030256867}]},{"text":"One of the things when you spoke to Kyle, you may have mentioned you just wanted everything paid to your your partner in the event that something happens. They're all paid to Christopher to Yeah.","start_word":7086,"end_word":7120,"intents":[{"intent":"Discuss payments to partner","confidence_score":0.00008325539},{"intent":"Confirm payment arrangements","confidence_score":0.00016974195}]},{"text":"So we'll just make sure that the beneficiary nomination is applied there. It I recommend it as a binding or matching nomination, so you only Yes. have to fill out that nomination once. Yep.","start_word":7145,"end_word":7178,"intents":[{"intent":"Reiterate nomination","confidence_score":0.06024175},{"intent":"Reiterate nominee nomination","confidence_score":0.0013148092}]},{"text":"And then yourself, you do pay us an ongoing service fee, which is 1.10% of the total balance, we will just prorated that across the two accounts so that it just continues coming out of the two accounts, but it's prorated across. Does that make Yep.","start_word":7261,"end_word":7306,"intents":[{"intent":"Inquire about service fee","confidence_score":0.000058419082}]},{"text":"I think Carl Beautiful. explained that last time. Yes. Yes. Excellent.","start_word":7312,"end_word":7322,"intents":[{"intent":"Confirm understanding","confidence_score":0.012311893}]},{"text":"But, yeah, if I do need to make any changes, I'll make sure a new one is sent through to you with the update, and then I'll give you a call. We'll run through those together. That way, we can clarify some things. And in the meantime, if you find any questions come out of that, just note them down for yourself, and when we speak next, we can go through them together.","start_word":7449,"end_word":7521,"intents":[{"intent":"Update email","confidence_score":0.0036196122}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Julie. It's Dana again from Okie Financial. Can you hear me? I'm so sorry. Yeah. Yeah. I could hear you. I mean, you I I was very safe, but I I could hear you, but, obviously, you couldn't hear me. Yes. No.","start_word":0,"end_word":43,"sentiment":"neutral","sentiment_score":-0.047921568155288696},{"text":"It was so bizarre.","start_word":44,"end_word":47,"sentiment":"negative","sentiment_score":-0.39087435603141785},{"text":"When the email sent to you, then Yep.","start_word":48,"end_word":55,"sentiment":"neutral","sentiment_score":-0.2632111608982086},{"text":"the phone hung up, and I couldn't work out why.","start_word":56,"end_word":65,"sentiment":"negative","sentiment_score":-0.45802798867225647},{"text":"Like, our phone's an Internet based system, but it kinda sent you the email, and then we lost contact.","start_word":66,"end_word":84,"sentiment":"neutral","sentiment_score":-0.32745417952537537},{"text":"And then I tried when you call back again, you were transferred through, and I couldn't hear anything. And I was like, okay. The IT guys need to fix this, so I'm gonna call off my phone, and we'll go sit in an office somewhere.","start_word":85,"end_word":129,"sentiment":"negative","sentiment_score":-0.40831995010375977},{"text":"Sorry about that. No. That's that's fine. That's fine. Yes. I've actually got into the email the email.","start_word":130,"end_word":147,"sentiment":"neutral","sentiment_score":0.04030316323041916},{"text":"Fantastic.","start_word":148,"end_word":148,"sentiment":"positive","sentiment_score":0.5334762334823608},{"text":"So I've got because I'm we only have our phone. So Okay. It might be a little bit small. That's alright. it is. So I've gone and it's it looks like it's signed there for me. It And then I there's do I a press live yes. So there's a button that says sign here, and it takes you to the signing prompts. But what I sort of wanted you to do before you sign it is just to press that button so it takes you through. So you could just sort of scroll up and down through the document. Is it letting you do that? yes. Yes. Yes. Yes. Yep. Yes. Yep.","start_word":149,"end_word":261,"sentiment":"neutral","sentiment_score":0.06998861581087112},{"text":"Perfect. Perfect.","start_word":262,"end_word":263,"sentiment":"positive","sentiment_score":0.4535618424415589},{"text":"So what we'll do is we'll go through that really quickly. On the very last page where the signing section is, you'll see the little areas that has your name pre filled in there, but it's Yes. not officially signed as of yet. You just need to click on the document when you're comfortable to proceed with the advice. Okay? Alrighty. Oh, okay. Yes. Yep. Alright. Yep. As long Oh as it does that yeah. oh, Because yeah. Okay. yeah. Yep. Alright. We'll see how we go. Yeah.","start_word":264,"end_word":351,"sentiment":"neutral","sentiment_score":0.08688832413066518},{"text":"That's okay. I will help you.","start_word":352,"end_word":357,"sentiment":"positive","sentiment_score":0.38457608222961426},{"text":"Don't worry.","start_word":358,"end_word":359,"sentiment":"neutral","sentiment_score":0.29968976974487305},{"text":"Thank you.","start_word":360,"end_word":361,"sentiment":"positive","sentiment_score":0.5773976445198059},{"text":"That's alright. I'll take you through a bit by bit. Essentially, if you do have any questions as we are going through, let me know. Yep. But as you spoke to my colleague Kyle a few months ago, and he was looking to do that transfer your time strategy for you. Kyle has unfortunately left the company. He's gone on to some greener parts. He just wanted to look at some trying out some other advice as an adviser. Yep.","start_word":362,"end_word":441,"sentiment":"neutral","sentiment_score":0.04556027054786682},{"text":"So I've taken over your file, put this together, and I've had a really good look at, you know, your super and made a few other recommendations for you as well.","start_word":442,"end_word":472,"sentiment":"positive","sentiment_score":0.37109139561653137},{"text":"Okay? Yep.","start_word":473,"end_word":474,"sentiment":"neutral","sentiment_score":0.21628479659557345},{"text":"Lovely. Thank you. That's okay.","start_word":475,"end_word":479,"sentiment":"positive","sentiment_score":0.4514925479888916},{"text":"Now on the front page, there are notes this document has been prepared for yourself. Julie Fenwick, as of the 07/13/2026, now our advice is valid for thirty days from the date on the document there. That's, like, sixty Yep. days from the date on the document. Underneath there, we've also got my authorized representative number. So as a full licensed adviser, I am registered through ASIC, and my registration number is 1304394. Okay? Yep. Yep. The next page outlines the best interest, Judy. So it is important to note that we go through the process we do with providing advice because we are looking at your, you know, advice this is your super. This is your retirement. So we wanna make sure we take very good care of that, and any advice we do provide, those need to be provided in best interest as per the corporations act, making sure that we're here to meet your goals and that the advice is reviewed and updated as it needs to be as we work towards your goals and your retirement. Alright? Yep. Yep. Yep.","start_word":480,"end_word":663,"sentiment":"neutral","sentiment_score":0.07535948604345322},{"text":"Excellent.","start_word":664,"end_word":664,"sentiment":"positive","sentiment_score":0.4577111601829529},{"text":"The next couple of pages outline the areas that we are scoping in and out. So you wanted to look at superannuation. You were hoping to ideally retire by the age of 67, income to be drawn down in retirement. Expect it to be about $800 per week to maintain your current lifestyle. You Yes.","start_word":665,"end_word":719,"sentiment":"neutral","sentiment_score":0.13444296609271655},{"text":"wanted to explore additional strategies to help and grow your super in terms of investments and contribution strategies to help get you the best retirement outcome possible.","start_word":720,"end_word":746,"sentiment":"positive","sentiment_score":0.5623490214347839},{"text":"Yep. Yep. With the beneficiaries, because we are looking at you, super, we do scoping the beneficiary side of things. When we are looking at transition or retirement strategies, we also need to make sure your beneficiaries are updated for each individual account. So I've also scoped in a state planning in the beneficiary side of things there for you. Yes. Yes. The scoping the limited scoping is more in in reference to areas that we're not making new recommendations around, but we are keeping sort of so dim because it has an effect on on the other recommendations. So, essentially, this is in relation to insurances. So you do have some insurances, some life and TBD, which is essentially paid out of your super. So whilst Yes. you kind of made mention to Kyle you were happy with the level of cover you had, didn't really wanna get any more cover or alter that. Because it is paid out of super, we do keep that it's on a limited scope scoped into the advice because it has an effect on your retirement. The premiums are still coming out of your super. We need to understand that, and that is reflected into the projection table for you. Does that make sense? Yep. Yep. Yep. Yep. Yep.","start_word":747,"end_word":962,"sentiment":"neutral","sentiment_score":0.005216019693762064},{"text":"Beautiful.","start_word":963,"end_word":963,"sentiment":"positive","sentiment_score":0.3592449426651001},{"text":"Areas that we're not looking at any additional advice on the next page is so budget and savings. We've also got your debt, so debt management there as well, so things like your mortgage. And then, obviously, income protection and trauma, you don't have any of those.","start_word":964,"end_word":1010,"sentiment":"neutral","sentiment_score":-0.1704152375459671},{"text":"You didn't really wanna get any new cover at the moment.","start_word":1011,"end_word":1021,"sentiment":"negative","sentiment_score":-0.4046229124069214},{"text":"We're sort of going towards the light at the end of the tunnel there with that. You know, you're getting closer to to retirement, so we wanna focus on getting your super as high as possible. So we weren't looking at any additional insurances. Yes. Is there anything that might have changed? Is that all still okay, appropriate? Yeah. Look. Yeah. We're not we've our hours have changed a little bit at work. Okay. Like, so we may not be getting as much overtime as I have been because I sort of started during COVID, and it was just, yeah, like, quite so, yeah, so what I've earned Okay.","start_word":1022,"end_word":1130,"sentiment":"neutral","sentiment_score":-0.09204153959220704},{"text":"the last few years, it may not be going to be as much possibly.","start_word":1131,"end_word":1144,"sentiment":"negative","sentiment_score":-0.38432908058166504},{"text":"I don't Yep. know. Like, it might yeah. So that's a bit of a thing. I mean, I'm not sure. You know what I mean? I mean, I know around Christmas time, we'll be flat out, and we'll probably get overtime in saying that there's there's a couple hours overtime tonight. But but Yeah. but, yeah, like, it's been since these new times, which is only this is probably our third week into the new hours. Yeah. So yeah. So, like yeah. But anyway but, yeah, that's just about the only thing I think that may change. Okay. Your income we had noted down when you spoke to Kyle last time was about 85,000 per annum. Do you still feel like that's pretty close to what you'd be earning? Well, that's the thing that I'm worried about Not that see, it might not yeah. That's yeah. Like I said, you you know, like I said, Christmas time will probably get plenty of sure. overtime, but yeah, like, the last three weeks, well, we only like, the first because we get paid by fortnightly. So our rosters are fortnightly. So last fortnight, like, well, I think we got one hour overtime. You know? And then Right. alright. There is there is two hours offered today, but it's very you know, I think it's gonna be a little bit rare. Yeah. So, like, it may it may come down. Yeah. Yeah. Okay. Because the main thing with, like, the your time strategy is that it does sort of draw off your income. Obviously, if your income's a bit lower, it does mean what you draw down tends to top up your income a little bit more, which may may mean you end up with a bit more income. But I probably just wanna double check maybe a payslip or two to find out what your base rate is just to make sure this strategy is going to work for you.","start_word":1145,"end_word":1472,"sentiment":"neutral","sentiment_score":-0.10759507265032792},{"text":"We don't wanna end up, you know, recommending too many more contributions in if you can't afford to do that and or, you know, upsetting your income too much.","start_word":1473,"end_word":1501,"sentiment":"negative","sentiment_score":-0.4340146780014038},{"text":"Yeah. That's Do right. you Yeah. yeah. Do you know what your total income was last financial year? I think I think overall, it was, like, about 94,000, like but that's like I said, Okay. that was with that was with Was it overtime? overtime. Yeah. That was that was still with tax, you know, I think it was down to, like, 70 let me have a look. Yeah. So But our you base said it 90 does four? say what our base our base Okay. because we get paid today sometime. Oh, no. Okay. So our base, it's saying $65.65 and a half thousand is what if if there's no overtime, that's what we will earn. But Okay. if there is overtime offered, I mean, I always do it. Yeah. Yeah. But That's like I said, okay. it it might not be excuse me. It may not be, you know, like, as much as it is what I have been earning. So that's Absolutely. that's No. it's Yeah. it's a bit No. of a That's bit okay.","start_word":1502,"end_word":1679,"sentiment":"neutral","sentiment_score":0.022318288683891296},{"text":"of a worry.","start_word":1680,"end_word":1682,"sentiment":"negative","sentiment_score":-0.367484450340271},{"text":"Yeah. Yeah. No. That's Yeah. okay. Well, what I would probably look at doing is just updating the the TTR strategy to maybe reflect changes to your income, and we maybe just do that off the 65,500. So we work off your base salary. That essentially Yep.","start_word":1683,"end_word":1729,"sentiment":"neutral","sentiment_score":0.055450569838285446},{"text":"means that anything more that you earn on top of that is only gonna be a benefit to you, but it all it just also means that we don't have to you know, if you don't get any overtime, it's not gonna negatively impact you in any way.","start_word":1730,"end_word":1777,"sentiment":"positive","sentiment_score":0.3589782118797302},{"text":"So Well, that's true. Yes. Yes. yeah. Right. So what I can do, if you like, is I'll take you through the advice. I'll show you what it looks like now. And Yep. then if you want, I can just go back. So you're with no way over time, your base salary is 65,500 per annum. Is that right? Yep. Yeah. Yep. Yes. Yep.","start_word":1778,"end_word":1841,"sentiment":"neutral","sentiment_score":0.15291093289852142},{"text":"Beautiful.","start_word":1842,"end_word":1842,"sentiment":"positive","sentiment_score":0.4839798212051392},{"text":"So what I'll do is after the call, Yep. I don't sign it. What I'll do is I'll just go back to the team. We'll just redig the numbers a bit for that TTR strategy. And then when I've got that ready, I'll email it back to you, and I'll just give you a bit of a call So just Yep. say, hey. This is the new strategy with the numbers. We'll go through that together, and then you Yep. can let me know what you wanna do. But the first part of this is still appropriate. So I'll still take you through what we've got here just to kinda clarify. Yep. The other thing I had down here, if you scroll down to page number nine for me, we only had just your assets and liabilities noted down as per your last conversation with Kyle there. Can you just run through those to double check if that's still still fairly close accurate? Are there any changes that you'd like me to make to those numbers for you?","start_word":1843,"end_word":2020,"sentiment":"neutral","sentiment_score":0.10237867385149002},{"text":"My mom is bloody trying to ring me.","start_word":2021,"end_word":2028,"sentiment":"negative","sentiment_score":-0.5004773736000061},{"text":"Jesus Christ. So Oh, no. You're that's right. alright. I'll let it go. Yep. She's 95. She lives on her own, and she'll be wanting me to do something. But anyway, that's alright. Yeah. I'll I'll that's alright. She's gone. Okay. Sorry. Oh, Alright. Now no. I've got You're it to fine. because, yeah, she's my my my brother that normally my my two older brothers are retired, but the one that lives just around the corner from mom is in Thailand till the end of the month. So he's you know, he would always sort of pop around and stuff like that. But because he's not he's not there, she's ringing me up because I'm only down the road as well. So that's alright. Sure. Yeah. Yeah. I'll That's I'll ring alright. her back. I'll ring her back when I Just I let I've yeah. been Just apologize yeah. for me, Faye. I'm so Yes. sorry. I took up all your precious time. Okay. So let me find page Yep. eight. Nine. Starting of nine. So your lifestyle asset, that one, and and liabilities, That's the one. that one? Yeah. Okay. Yeah. So this I'm checking those. Are there any major changes that you'd like to have updated? Okay. So savings. Yeah. So that all seems to be the same. Yeah. That that part of it, the caravan, Yep. So pretty accurate. the cars, all that. Yeah. That's, yep, that's pretty much all the same. Yep. That's Yep. fine. Yep. Yep. Yep.","start_word":2029,"end_word":2281,"sentiment":"neutral","sentiment_score":0.012997304115135208},{"text":"Fantastic. Yep. That's Excellent. yep.","start_word":2282,"end_word":2286,"sentiment":"positive","sentiment_score":0.508563220500946},{"text":"Now the other thing is if you're going down to page number 11 there, you've got your risk profile. So when you and Kyle spoke to did your annual review, you are in a more of a balanced growth environment. So when you consider risk out of a number between one and five, five being the highest level of risk, one being the lowest, you're sort of sitting at that two, two and a half to three mark. So in that middle range there, a balanced growth environment is looking to still get some growth out of your super, but you are kind of in that closest sort of retirement era where you are transitioning down and wanting to reduce your risk. So this sort of environment sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, and then the other generally 30% in lower risk defensive investments like cash, bonds, and fixed interest.","start_word":2287,"end_word":2456,"sentiment":"neutral","sentiment_score":0.1447583293870968},{"text":"This sort of portfolio does suit someone who is, you know, looking to access their super in essentially the next five years, so it does suit your time horizon.","start_word":2457,"end_word":2485,"sentiment":"positive","sentiment_score":0.4650651216506958},{"text":"You can be in this sort of area with a longer with a lesser time horizon, but it's more about just reducing your risk level, you know, gradually as you get closer to retiring. Yep.","start_word":2486,"end_word":2520,"sentiment":"neutral","sentiment_score":0.2686901092529297},{"text":"But we still wanna have some of those growth assets within all the portfolios even in retirement because we still wanna get longevity.","start_word":2521,"end_word":2543,"sentiment":"positive","sentiment_score":0.41003015637397766},{"text":"Most of the people I talk to say, look, I'm getting to 67. I don't wanna take any risk anymore, but then you kinda have to think about most people in retirement spend ten, twenty, thirty, even forty years. It's a whole another lifetime in retirement.","start_word":2544,"end_word":2589,"sentiment":"neutral","sentiment_score":0.2197619378566742},{"text":"So, you know, it's about that still longevity. You still wanna make your super last as long as possible.","start_word":2590,"end_word":2608,"sentiment":"positive","sentiment_score":0.3980797827243805},{"text":"So does that kind of balanced growth area still suit where you're at, do you think? Yeah. I think so. I don't know. I'm always aware of you know, I I'm never ever sure. That's okay. You're absolutely Yeah. fine. Yeah. It's I don't not honestly know. Like, with yeah. you You're guys right. are you know, you I mean, you guys are the experts. I mean, I mean and if you think, you know, maybe take a little bit more risk, you know, I'm happy to do that if you think so. Yeah. I don't I don't know.","start_word":2609,"end_word":2707,"sentiment":"neutral","sentiment_score":0.04395795986056328},{"text":"I just I don't really understand a lot of this stuff.","start_word":2708,"end_word":2718,"sentiment":"negative","sentiment_score":-0.4456596076488495},{"text":"So That's okay. The I think the beauty between this sort of portfolio is that you don't have a lot of risk. You know? You sort of, as I said, out of one to five, you're about sort of two and a half to three. So you're very much on the lower scale.","start_word":2719,"end_word":2771,"sentiment":"neutral","sentiment_score":0.2411333431823636},{"text":"Yes. And the beauty of doing that TTR strategy, the transition retirement is that you're able to increase your contributions in the super by way of salary sacrifice, but also take some money out. And because the money that's put in the super is done by way of salary sacrifice, it's a pretax deduction. So that sort of strategy means more money goes into super. You don't have to take as much out to to replenish your income, and you actually can reduce your taxable income a little bit as well. So it provides you that kind of benefit of being able to increase your contributions in without having to take on more risk and make that compounding work a little bit harder towards your retirement. So Yes. Yes. it is a beautiful strategy.","start_word":2772,"end_word":2905,"sentiment":"positive","sentiment_score":0.5289764404296875},{"text":"It's a shame you have to be 60 to do it, but it's one of the cool things about turning 60 that I like to point out to everybody. Yes. What I'll do is I will just take you through the changes to the super to start with if you like, and then I'll show you the TTR strategy. The numbers will probably change a little bit, but I'll still take you through what we had set up just to kind of explain it to you. Yep. Just with your super, when I kinda went back and reviewed the portfolio as a whole, now you had sort of mentioned, Carl, you were happy with how Hub twenty four was performing.","start_word":2906,"end_word":3025,"sentiment":"neutral","sentiment_score":0.23070567846298215},{"text":"Hub twenty four is a great super fund, and there is no need to change Hub twenty four.","start_word":3026,"end_word":3043,"sentiment":"positive","sentiment_score":0.37485620379447937},{"text":"However, within the super fund, there have been some changes to the portfolio that I did wanna make as well. So, essentially, with your portfolio at the moment, you'll see the heading on there is recommended investment superannuation. Is that the page you can see? I think it says number 19 on the bottom. Okay. Oh, hang on. Let me get down. So where are we Yeah. page You're right. nine page 19? Nineteen. Yeah. Like okay. Oh, I yeah. Okay. Righty. I hear we are here. Yeah. Okay. Yep. Alrighty. Right. Yeah. Yep. So this is why I sort of, like, well, let's have a look at it together. Yep. Yep. So Yep. on this side here, you've got your hub twenty four speaker fund, and you've got all the different investments that you do currently hold in your fund there. So at the moment, you've got some beta shares staying high interest cash. This is like high interest cash account, Yes. and, essentially, you hold about 8.73% there. We wanna actually hold about 10%, so we're gonna buy a little bit more of that, about 5,000 so you increase your exposure into that defensive environment. Yep. With Yep. the bank hybrids, the one underneath that, that's more of a complex in a complex investment. So bank hybrids are very much like bonds where money is given to the banks. It is invested in their side of things or lend it out to people with mortgages, and then they give you an income payment. But bank hybrids as a complex investment are also traded like shares. These sorts of investments, since they are so complex, are actually gonna be phased out by the government over the next few years. So whilst we are making some changes to your super, we may as well fit you out of those now rather than holding off until we have to at the last minute. It's best to make the changes whilst we are making larger changes to your sleepers. So we are gonna sell all those investments down, the Yep. bank hybrids down to zero. Yep. You do have some global agriculture in there. Not at all a bad investment. You have about 2.88% at the moment, so your exposure is a little bit low. We wanna buy some more of that and bring you up to about 5%.","start_word":3044,"end_word":3440,"sentiment":"neutral","sentiment_score":0.06235423049788631},{"text":"So you'll have Yep. about 5% of your total portfolio there, and global agriculture is good. It is giving you exposure to global agriculture companies, so it is diversifying across the entire globe, which is what you want to help reduce overall risk.","start_word":3441,"end_word":3483,"sentiment":"positive","sentiment_score":0.5071228742599487},{"text":"Yep. Yep. Physical gold, which has done really, really nicely and has done very well in your portfolio, but you are a little bit overexposed at the moment, so we only wanna hold about 10% physical gold. Physical gold does see growth, which is fantastic, but it doesn't provide any income. So to take advantage of physical gold, we do have to be able to sell it off every so often, rebalance it back, and that cements the gains that you've received, and then we redistribute those gains across other areas of your portfolio. One of the sort of risks with having these growth asset is that some of these growth assets perform better than others. So when you might have been said in the original recommendation, hold 10% physical goal. Because that growth has been so fantastic, it's gone up to 14% of your portfolio. That does increase your risk level a little bit, so it is always good to sell some of that off. You submit the gains that you've received, and then we can redistribute those gains across other investments to continue growing and compounding. Does that make sense? Yep. Yep. Okay. Yes. Yep. Yes. Yep. Well, please let me know if it doesn't. And if you need to ask more questions, you're more than welcome to. Okay? No. That's fine. No. That's fine. All good. So we are gonna sell a little bit of a physical goal, bring you back to 10% total. The iShares S and P 500 is giving you access and exposure to the top 500 companies in The US. You have a little bit more of that at the moment, so 25.10%. We're gonna sell some of that off and bring you back to 20% there just Yep. to rebalance the portfolio out. You've got the beta shares Raffi a 200 in there as well. That by no means has been a bad investment. You've got about 12% there. So we wanna just reduce the exposure back to 10% to selling a bit over 9,000 there for you. Then Yep. you've got the Vanguard diversified index fund. This one here, we wanna hold about 10% of your portfolio. It's a little bit underweighted at the moment. This diversified index fund is is supposed to give you some more access to defensive assets, so we wanna increase that exposure a little bit to 10%, so that means buying a bit more of that. And the Benelon Australian Equities, we're gonna sell all of that investment off.","start_word":3484,"end_word":3906,"sentiment":"neutral","sentiment_score":0.11061709072995692},{"text":"I'm not sure if Kyle explained when he spoke to you last time, but that investment has now been underperforming quite significantly in most portfolios. So we have looked at that with the investment committee, and they've decided it's no longer a valuable investment to have within the portfolios.","start_word":3907,"end_word":3955,"sentiment":"negative","sentiment_score":-0.4037884473800659},{"text":"Yep. Yep. The idea of Bennelong is that they're an active investment manager, so they're supposed to be buying and selling, and trying to outperform against the market, but they have not been able to do so. So we are looking to remove that from the portfolio. And to make sure you keep your Australian equity exposure, so, exposure into the Australian stock market. At the bottom, you've got the beta shares a 200. Yep. We're gonna buy 10% of that, so you hold that exposure. By removing Benelong and having the a 200, you're actually increasing your diversification and helping to lower the risk of your portfolio. Because the Banalong Australian Equities, they only ever held between 15 to 25 different investments within that portfolio. The a 200 gives you exposure and tracks the top 200 companies on the ASX. So it is giving you a wider range of exposure Yes. and Yes. more diversification, which helps to lower the risk level there. So we wanna hold 10%, and so we'll sell off that along and buy into the a 200 there for you. Okay? Yes.","start_word":3956,"end_word":4142,"sentiment":"neutral","sentiment_score":0.06905356049537659},{"text":"Lovely.","start_word":4143,"end_word":4143,"sentiment":"positive","sentiment_score":0.3626915514469147},{"text":"Yep. And then the ClearBridge infrastructure fund, so this is more of an alternative investment giving you access to infrastructure across the essentially, across the globe is giving you diversification across different countries And also core composite bonds. So bonds are replacing the bank hybrid investment. Bonds, this is giving you access to government as well as corporate bonds. And with bonds, you're essentially investing the money into the companies. The companies are then using that money to help build and grow and, you know, whatever they do on the inside of things. And because you're locking that money away in the investment, they're giving you income payments every month or every couple of months. That income gets paid back into your cash account in your super fund, and then it is reinvested across the other ports of other parts of your portfolio. That helps the compounding effect of your portfolio. So we do wanna hold about 15% in bonds, and we wanna hold about 10% in infrastructure as well. So we will be buying both of those just to Yes. increase Yes. your exposure and make sure you've got those defensive investments as well. Okay? Yes.","start_word":4144,"end_word":4340,"sentiment":"neutral","sentiment_score":0.11600931979678004},{"text":"All good.","start_word":4341,"end_word":4342,"sentiment":"positive","sentiment_score":0.3998960852622986},{"text":"That is a lot. I completely get it. I try to try to go through those as easy as possible, but also making sure to give you a little bit of context because otherwise, they're like, here's what you've got. Here's what we're moving. Here's what we're gonna put in there. So just to give you a little bit of context on what each of the investments are, what they're good for, what we're going to do with the portfolio, essentially, and why we're selling some of these investments as well because, you know, sometimes you look at it and go, well, why are you selling all of that down? It hasn't done too badly.","start_word":4343,"end_word":4457,"sentiment":"neutral","sentiment_score":0.028597382828593258},{"text":"It actually, unfortunately, been along hasn't been great, and we do wanna get rid of all of that investment.","start_word":4458,"end_word":4476,"sentiment":"negative","sentiment_score":-0.40732380747795105},{"text":"Yep. And bank bank hybrids, because the government are gonna phase those out down the track, whilst we're making changes to your portfolio now, we may as well sell those down and replace them now. That way Yep. your portfolio has time to recover and rebuild and grow rather than making these changes now. And then in two years when they actually have them removed, we have to go back and find something quickly for you. So Absolutely. it's just about trying Yes. to make all the changes in a more appropriate manner for you. Okay?","start_word":4477,"end_word":4572,"sentiment":"neutral","sentiment_score":0.028354516252875328},{"text":"Lovely.","start_word":4573,"end_word":4573,"sentiment":"positive","sentiment_score":0.4178488254547119},{"text":"Yes.","start_word":4574,"end_word":4574,"sentiment":"neutral","sentiment_score":0.3019629120826721},{"text":"Thank you. Excellent.","start_word":4575,"end_word":4577,"sentiment":"positive","sentiment_score":0.5163484215736389},{"text":"Oh, good. In your cash account within the super fund, your cash is a little bit high. We only need to hold about 1.25 in cash. At the moment, you've got a bit over 2% there, so it does mean we're going to buy some of the investments. A bit over 4 Yes. thousand needs to be invested, so we'll make sure that happens for you as well. Okay? If you can scroll down for me to page number 22, this is kind of giving you the projected outcome and why we're looking to make those changes. Okay. Yeah. 21, 22. Yep. Yep. Yes. This is the fee comparison table, and the first column outlines your current superannuation balance, the fees that you've got in there. So super funds, they do have admin fees, investment fees. You've got the ongoing service fee for having us update the advice and look after everything in the back end. And then you've got your contributions, which is your employer contributions as well as your salary sacrifice you're currently making into the fund as well there. So Yep. and then your insurance premiums, which are currently coming out of your super there as well. You're in that balanced growth environment at the moment, and when we look at the current portfolio and how it has performed over the past five years, it averaged about 8.33%, which is by no means a bad investment for performance at all, but you're closer to retiring. So we wanna make sure it's working as hard as possible. So when we make these changes by those buyers and sellers that we went through before, your super fund, just like you, does a tax return every year. So we know Yes. by doing the research that the super fund will account for capital gains of $950 by making those changes. So by buying and selling the different investments, the super fund will pay about $950 in CGT for doing that. Okay? Okay. Yes. Yeah. After that occurs, your expected balance within the fund is about $396,096. You'll still have administration fees because the balance is slightly lower.","start_word":4578,"end_word":4934,"sentiment":"neutral","sentiment_score":0.07127094468367952},{"text":"It does save you about $2 for the year in admin fees. The investment fees are the biggest part. So the newer portfolio as a whole actually has cheaper investment fees, and it's expected to save you $402 for the first year in investment fees, which is a pretty decent saving.","start_word":4935,"end_word":4985,"sentiment":"positive","sentiment_score":0.5669413805007935},{"text":"That's more money left in your super working harder for you. Yes. Yes. Then we've also got the ongoing service fee. Now this is showing a difference of $5 for the year. That is because we factor in growth and the additional growth that we should see out of the new portfolio for the first year there for you as well. Okay? Yep. Contributions remain the same, and your insurance premiums don't change because we're not making any changes to those. But with that new balance growth portfolio, we're keeping the same level of exposure.","start_word":4986,"end_word":5080,"sentiment":"neutral","sentiment_score":0.2268919497728348},{"text":"But with the investments we're putting in there, it has actually seen a much greater return. So it's about point 69% more that it's averaged over the past five years. And if you sort of take those two returns and average them out over the next five to six years on the next page, you can sort of see that it does put you in a greater position.","start_word":5081,"end_word":5148,"sentiment":"positive","sentiment_score":0.5644565224647522},{"text":"It's about making sure that super is working as hard as possible for you. So if the Okay. new portfolio Yep. with the saving and fees is able to make that return, you can sort of see where you could be projected to be over the next year, essentially. Okay. Yep. Yes. Yes. Yep.","start_word":5149,"end_word":5202,"sentiment":"neutral","sentiment_score":0.24265660345554352},{"text":"Yeah. Beautiful.","start_word":5203,"end_word":5204,"sentiment":"positive","sentiment_score":0.470351129770279},{"text":"Next part is the the TTR account. So, essentially, with a a transition or a time strategy, what we're essentially doing is we're opening up a second pension account, and it's called a transition to retirement pension account. Unlike a normal full account based pension, there are limitations around how much you can access. They don't allow you to access more than 10% of the total transferred balance, and we do have to keep your accumulation account open as well so your contributions can keep going in. So you'll end up with two accounts open. You'll see for accumulation as well as that it's called a TTR pension account. Yes. Essentially, with the current scenario and I'll go back and just rerun the numbers for you just to make sure, and I'll update this document to reflect. But just so you can sort of see what we had worked on, we were expecting to be able to transfer about a 110,000 out of your super and into the into the TTR pension account, and that would leave about $287,046 in the accumulation side. We would then gonna be able to start drawing down $990 per year or essentially per fortnight. It works out to be $380.76.","start_word":5205,"end_word":5410,"sentiment":"neutral","sentiment_score":0.10983460316958936},{"text":"That would come out of the pension account into your bank account, and it's tax free.","start_word":5411,"end_word":5426,"sentiment":"positive","sentiment_score":0.3565986454486847},{"text":"So unlike your income, when you receive that from your employer, they deduct income tax. Because you're over 60, that $3.80 and 76<unk> per fortnight drawn out of the TCR pension account is completely tax free.","start_word":5427,"end_word":5463,"sentiment":"neutral","sentiment_score":0.26255351305007935},{"text":"So it actually means you have to pay income tax on that amount, which is kind of nice.","start_word":5464,"end_word":5481,"sentiment":"positive","sentiment_score":0.4512639939785004},{"text":"Yes.","start_word":5482,"end_word":5482,"sentiment":"neutral","sentiment_score":0.24216297268867493},{"text":"Absolutely.","start_word":5483,"end_word":5483,"sentiment":"positive","sentiment_score":0.33444443345069885},{"text":"Yes. At at the moment, you are already got employer contributions going in, and I'll just go back and double check those. But you're also salary sacrificing about $300 per fortnight. Are you still salary sacrificing that? And are you still planning to keep that salary sacrifice at the same level moving forward? Yeah. Well, I think so. Yeah. I don't see why I can't. Is is that the Yeah. best thing to do? Yes. Still do do they Yeah. do that? Yep. Yeah. Yep. We Yep.","start_word":5484,"end_word":5570,"sentiment":"neutral","sentiment_score":0.06117115914821625},{"text":"can absolutely do that.","start_word":5571,"end_word":5574,"sentiment":"positive","sentiment_score":0.4263104498386383},{"text":"That's not a problem at all. We can make sure to reflect that. So we'll just go back and redig the numbers to see if there needs to be a change to the strategy. Yep. But with Yep. based on the 85,000, with your current employer contributions and the salary sacrifice going in, we were then able to increase your contribution to a total of 22,300. That's employer contribution, salary sacrifice, and then increasing your employer contributions or your salary sacrifice. So the increasing it to $857.69 on a fortnightly basis. So it means that your employer increases your salary sacrifice into your super by $857.69. That's how much comes out of your out of your income into super, and then Yep. we replenish that by drawing out $380.76 per fortnight. So because Okay. Yep. salary sacrifice is pretax, we don't have to draw down as much as what we're putting in.","start_word":5575,"end_word":5725,"sentiment":"neutral","sentiment_score":0.17899858852885417},{"text":"We actually draw down less than what we're putting in, and it actually replaces your income and gives you the same take home pay, which is really kind of cool. Yes. Absolutely.","start_word":5726,"end_word":5757,"sentiment":"positive","sentiment_score":0.486382395029068},{"text":"Yeah. Yep. Yep. If you go down to page 26 for me, I can show you the table that essentially breaks down the math to make it a little bit easier. Oh, yeah. Here we go. Yep. Yeah. So looking at the third table down, it's got the income tax calculation, and it's got your salary starting point at 85,000 per annum. Can you see that? Yes. Yes. Yes. Yes. Yeah. So the current shows that when you start with $85,000 on a yearly basis as gross income, You're currently salary sacrificing 7,800 into the fund. You also got your employer contributions going in as well. That essentially gives you taxable income. The 85,000 minus the 780 gives you 77,200. That's your taxable income after salary sacrifice. Yep. Then you pay income tax on that at $15,224 for the year, and then that leaves you with a net take home pay of $61,009.76. Yep. So Mhmm. with the proposed strategy of increasing your contributions in, so your total employer plus salary sacrifice increases to 22,300 for the year, and then your take home pay goes from 85,000 to $62,700, and your income tax reduces. So because Oh, that salary sacrifice is pretax, it actually reduces your tax from 15,000 to only 10,525. Do you pay less income tax, which is kinda cool? wow. Yes. Give give the ATO less money. Absolutely. Yes. Yeah. So the 85,000 minus the increase in salary sacrifice of 22,300 leaves you with $62,700 taxable income, then your income tax is deducted, so it goes down to 10,525, and that leaves you with a net take home pay of $52,175. Then because we've increased your salary sacrifice and it's reduced your take home pay, we need to replenish that, and that's where that TTR pension account comes into play.","start_word":5758,"end_word":6060,"sentiment":"neutral","sentiment_score":0.10707354545593262},{"text":"By withdrawing only 9,900 on a yearly basis, it actually brings your net take home pay back to 62,075. So it's actually just a little bit more than what your current take home pay is based on that income, but it's essentially replenishing your income, increasing your contributions in, and reducing your take home pay whilst keeping your income, your take home pay basically the same.","start_word":6061,"end_word":6126,"sentiment":"positive","sentiment_score":0.4872108101844787},{"text":"Does that make sense? Yes. Yes. Yes. Yes. Yes. No. That's It's that's pretty right.","start_word":6127,"end_word":6141,"sentiment":"neutral","sentiment_score":0.16627280414104462},{"text":"So cool.","start_word":6142,"end_word":6143,"sentiment":"positive","sentiment_score":0.3548431396484375},{"text":"but so you'll so Yeah. you'll alter it. So will you sort of go back and alter it? Yes. Because that's the thing. Like, you're not sure. Like, I know, alright. I've earned this much, you know, like, well, the last year and the year before and stuff like that.","start_word":6144,"end_word":6193,"sentiment":"neutral","sentiment_score":-0.07431298494338989},{"text":"But like I said, I'm just a bit worried that, you know, I may not earn that much.","start_word":6194,"end_word":6211,"sentiment":"negative","sentiment_score":-0.4025697112083435},{"text":"I suppose it's just hard to tell, isn't it? So Yeah. That's without okay. without Look. Let's without work it any on your base. yep. Yep. Yep. Yeah. Okay. Yeah. Yes. Let's Okay. work it on Yep. your Yep. base because I think the biggest thing is when we work on, say, a higher income including overtime and things like that, there is that risk that, you know, your overtime may drop off, which means that we're replenishing a take home pay, which you might not actually make. And that means if you don't make the higher income, we're replenishing a higher net take home pay. If without that, it overtime, it might make your take home pay a lot less. So Yes. it is best to work it out on the base income only Yes. Yes. of 65,500. That way, we can, you know, justify and check that over. We Yes. do Yes. check this with you on a yearly basis and refresh the strategy as we need to, Yep. and then we'll just make sure your contributions are not kind of eating into anything that we, you know, have catch up contributions and things like that. We could even just, you know, double check the last couple of years of contributions just to make sure you have extra cap space in case you go over. I do believe so the last couple of years so you have made quite a lot in contributions there. Yeah. So I think I've just the done last print I think I've done the 300 a fortnight for the last, yeah, quite I haven't changed it. Like, it's always been that. So yeah. That's okay. that I'll yeah. Yeah. That's okay. Would it be even possible if you were able to maybe just shoot me through one of your payslips just so I can sort of see what your base is, what you're averaging on a weekly basis or fortnightly basis, and Yep. also what is maybe coming out of this out of your income just so we can kind of use that as a base to to build to double check the strategy for you. Would that be okay? Yep. Yeah. You'd might have to tell me how to do it. But That's But okay. I I I can I can give you the one that we would have got like, we that we got today? So which is, Yeah. you know, like like, the bare minimum pretty much. So without Yep. I think I think there's, like, one hour overtime in it. So yeah. So pretty much oh, what's this warning?","start_word":6212,"end_word":6651,"sentiment":"neutral","sentiment_score":0.03590052386915142},{"text":"Suspicious calling pattern. What the hell?","start_word":6652,"end_word":6657,"sentiment":"negative","sentiment_score":-0.47668033838272095},{"text":"Anyway, doesn't matter. We'll ignore that, whatever that is. You there? Oh, god. All all these weird phone calls. Wow. All these things are coming up. Oh. I know. Yeah. No. The other one was mom, but this one was, like like, from an Queensland number as well. Yeah. But anyway Oh, yeah.","start_word":6658,"end_word":6710,"sentiment":"neutral","sentiment_score":-0.15072444081306458},{"text":"that's bizarre.","start_word":6711,"end_word":6712,"sentiment":"negative","sentiment_score":-0.34408149123191833},{"text":"Oh, I had o seven I had o seven since I've never had that. I had warning suspicious something or other. So yeah. That Don't is know. bizarre. Yeah. Yeah. Yeah. But yeah. No. I can do that. You just won't have to so for yeah. That's I suppose okay. if if as long You as I can got an take, aim as long as I got yeah, an I've email that I just can put in, yeah, I can write down and put in, I should yeah. be able to do it. I'm not very tech savvy at all. That's okay. That's okay. I'm sending the email to you now. Yep. Just asking if you can get the payslip. It doesn't have to be the exact if you wanna take a photo and attach the photo, that's absolutely fine Yeah, just mate. so we can kinda see what the payslip looks like. Or if it's emailed to you and you wanna forward me the email, this has got my email address there as well. So Okay. however So you're it works easier for you. Yeah. yes. No. That's alright. No. I can probably email it to you. So, yeah, I've got that Yep. your email address at the start of it on our on our little thing, haven't we, on our form Yep. with I'm your email. yeah. And I'm just also attaching it here. So I'm sending you another email now with the request Okay. just so you've got my email there. So I've just sent that through to you there, Julie.","start_word":6713,"end_word":6976,"sentiment":"neutral","sentiment_score":0.11019962427742554},{"text":"So it should arrive any moment Yep. for you.","start_word":6977,"end_word":6985,"sentiment":"positive","sentiment_score":0.4002034664154053},{"text":"And then you've got my email, so you can contact me anytime you need. Okay?","start_word":6986,"end_word":7000,"sentiment":"neutral","sentiment_score":0.29517078399658203},{"text":"Lovely. Yes. Thank you, Dana. Yes.","start_word":7001,"end_word":7006,"sentiment":"positive","sentiment_score":0.5589165687561035},{"text":"I'll yep.","start_word":7007,"end_word":7008,"sentiment":"neutral","sentiment_score":0.29634523391723633},{"text":"That's okay.","start_word":7009,"end_word":7010,"sentiment":"positive","sentiment_score":0.3607117831707001},{"text":"The only other thing I kinda wanted to go through with you is we did talk about the estate planning side of the thing. So because we are opening up a secondary account, we do like to make sure that we have beneficiaries updated, and we do have to have a secondary beneficiary nomination applied. So when we open up that TTR pension account, Yep. we'll have the beneficiary nomination applied for you. Yes. One of the things when you spoke to Kyle, you may have mentioned you just wanted everything paid to your your partner in the event that something happens. They're all paid to Christopher to Yeah. make sure Yep. he can Yep. Yep. Yep.","start_word":7011,"end_word":7127,"sentiment":"neutral","sentiment_score":0.12486040754578052},{"text":"live Everything and enjoy.","start_word":7128,"end_word":7131,"sentiment":"positive","sentiment_score":0.37345457077026367},{"text":"will yeah. Yeah. Everything will just Yep. go to this. Yeah. Yeah.","start_word":7132,"end_word":7143,"sentiment":"neutral","sentiment_score":0.1712629646062851},{"text":"Absolutely.","start_word":7144,"end_word":7144,"sentiment":"positive","sentiment_score":0.3674266934394837},{"text":"So we'll just make sure that the beneficiary nomination is applied there. It I recommend it as a binding or matching nomination, so you only Yes. have to fill out that nomination once. Yep.","start_word":7145,"end_word":7178,"sentiment":"neutral","sentiment_score":0.19451092183589935},{"text":"We'll nominate it to Chris. So in the event that something happens, everything is paid to him nice and easily.","start_word":7179,"end_word":7198,"sentiment":"positive","sentiment_score":0.4418991208076477},{"text":"Yep. And then just reiterating with you, obviously, with the insurances you have with Neos, we do receive ongoing remuneration from Yep. them. It is 22% of the premiums that you that are paid out of super. That's not paid by you in any way. It's paid by Neos to us, and we just disclosed that in the document for you. Yep. And then yourself, you do pay us an ongoing service fee, which is 1.10% of the total balance, we will just prorated that across the two accounts so that it just continues coming out of the two accounts, but it's prorated across. Does that make Yep. sense? Yep. Yep. Yes. Yes. I think Carl Beautiful. explained that last time. Yes. Yes.","start_word":7199,"end_word":7321,"sentiment":"neutral","sentiment_score":0.08831368386745453},{"text":"Excellent. Yeah. Perfect.","start_word":7322,"end_word":7324,"sentiment":"positive","sentiment_score":0.41805732250213623},{"text":"So feel free to run your eyes over this document here. Don't sign this one. Just sort of you keep it there just to, you know, keep you give you a bit of reading material if you wanted to have a bit of a read through it all. I'll just go back and update the numbers there for you, and then we'll get that resent to you. And then I can just give you a bit of a quick call just to rerun through the numbers and see if there's any major changes. If I find I don't need to change anything, then I'll just let you know to sign that document. Is that okay? Yes. That's fine. Yes. Yes. Yes.","start_word":7325,"end_word":7445,"sentiment":"neutral","sentiment_score":0.17235739529132843},{"text":"Absolutely. Beautiful. Beautiful.","start_word":7446,"end_word":7448,"sentiment":"positive","sentiment_score":0.8217829465866089},{"text":"But, yeah, if I do need to make any changes, I'll make sure a new one is sent through to you with the update, and then I'll give you a call. We'll run through those together. That way, we can clarify some things. And in the meantime, if you find any questions come out of that, just note them down for yourself, and when we speak next, we can go through them together. Does that sound okay, Julie? Yep. Yes.","start_word":7449,"end_word":7528,"sentiment":"neutral","sentiment_score":0.08273205906152725},{"text":"Absolutely. Yes. We can Beautiful. do yes. Has excellent.","start_word":7529,"end_word":7537,"sentiment":"positive","sentiment_score":0.5631078481674194},{"text":"Has any questions come out of it so far? Is there anything else that you think of that you might wanna ask? Or No. I don't think so. No. Like I said, I'm not very switched on with this kind of stuff. So, you know, I'd rather you you know you know best. Yeah. That's okay. Yeah. I don't sorta understand a lot of Yeah. I don't sort That's alright. of understand Yeah. a lot of it. But but yeah. Not Absolutely. a Yes. problem. That's fine. Okay. So I've got okay. So you've sent through that. So do I just Mhmm. do it straight to does it have your name or does it because I've got Yeah. your Dana. so that you've sent Yep. through. I've got your little picture. Yep. It should at the top of the sender, it should be dana@ocfinancials. You should be right to just reply or just copy the email address. Okay. I'll It should see also how have it under my photo there for you as well with my contact information. okay. Okay. Oh, yeah. It has two. I was just looking at the Yep. the o q one. Oh, yeah. Yeah. Dana@oq.net. Okay. So if I just Yeah. send it to that, Yep. my my last payslip, that should be fine. Yeah. That'll Yes. come through to me. I'll confirm that I've got it for you, and then I'll just get the team to the the Paris to go back. We'll just double check the numbers together. If Yep.","start_word":7538,"end_word":7794,"sentiment":"neutral","sentiment_score":0.021057726804471433},{"text":"there's no changes, I'll let you know we're all good.","start_word":7795,"end_word":7804,"sentiment":"positive","sentiment_score":0.34821686148643494},{"text":"And then if there is, we'll just get the new document updated and sent through to you. Okay? Yes.","start_word":7805,"end_word":7823,"sentiment":"neutral","sentiment_score":0.24968351423740387},{"text":"Lovely. Thank you so much, Dana. Thank you.","start_word":7824,"end_word":7831,"sentiment":"positive","sentiment_score":0.7152488827705383},{"text":"That's okay. I'll I'll That's not a problem. All I'll good. do that right now. I'll do that, that I'll do that payslip Yeah. right now. So oh, well, Thank I'll you, try to. Jill. You're right. If you get stuck, let us know. Give us a call. One of my team can certainly give you a hand. It's not an issue at all. But, yeah, honestly, tell your mom sorry for taking up all your time, and I hope No. That's you have alright.","start_word":7832,"end_word":7916,"sentiment":"neutral","sentiment_score":0.10543709248304368},{"text":"a great day. Lovely. Thanks so much, Dana, for calling. That's not a problem. Thank you for taking my call. I hope you have an amazing day. Yeah. You too. Thank you so much. Thanks, Julie. Talk soon. See you later.","start_word":7917,"end_word":7957,"sentiment":"positive","sentiment_score":0.6588132381439209},{"text":"No worries. Bye Bye. bye.","start_word":7958,"end_word":7962,"sentiment":"neutral","sentiment_score":0.18542632460594177}],"average":{"sentiment":"neutral","sentiment_score":0.09531252932254604}}}}