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You're turning 60 soon. Is now still a good time there for you? No. Not at all. Please do not think that in any way, shape, or form. 60 is a great age. I'm not. I can promise you I'm actually 41. So by no means, I I sound young. They're all good, Michael. Is now still a good time for a bit of a chat and an update? Yep. Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. That's the one. Yeah. Perfect. Lovely. When did when did you move? Oh, fantastic. And how's it been going? Everything nice? Enjoy the new place? Oh, that's good. That's good. Are you sort of riding the hottest service? Is it quite busy where you are? Yeah. I do. Wow. Very I mean, good position. Great location. Absolutely. All good. Oh, perfect. Hi, Judith. How are you? That's good. Now I know part of what you wanted to discuss today, Michael, was about you turning 60 moving forward there as well. Is there anything else specifically that you wanted me to sort of talk about or touch on as part of the review when you're turning 60? What's kind of the plan when you turn 60? Are you hoping to keep working or retire, or what's what's the plan moving forward so far for yourself? Yep. Access and money. Yeah. Perfect. So, essentially, under the legislation, once you turn 60, you can access your full super, fully tax free as long as you are fully retired. So if you plan to stop working with the intention of not going back to work, you can access all of your super. The alternative is we can do what's called a transition to retirement account where you can access up to 10% of the balance that is transferred into a pension account. We do have to leave at least 10,000 behind in a super account to accumulation phase, but you can access up to 10% of your balance that way as well. Is there a specific amount that you're sort of looking to try and access? Or yeah. Yeah. Nice. Nice. And how much do you think you might need for that? Yeah. No. That's okay. So let's have a bit of a look at how your super is at the moment. So I do have actually, very close, honestly. You've got a a balance at the moment of a 148,026 and 97¢ there. So it has definitely gone up. When I have a look at the balance as of last year, this time last year, your balance then was a 124,004 83 and 58¢. So your balance has definitely increased on last year, which is good. When I have a look at the performance of the investments there as well, the net return, so after fees, Your portfolio has returned 11.47. So it is good you have seen that increase over the last twelve months. Earnings as a dollar figure, some people prefer a dollar figure over an as percentage. I'm so sorry. So the earnings as a dollar figure means that you've earned about 17,864 in growth plus income in the year. So it is good. You are definitely seeing an increase from where you were last year. The portfolio has been working very nicely there. And even with what's been I know you probably heard what's been happening in the news globally with The US and the Iran war and the high interest rate here, so that all has had a bit of an up and down effect on the market this year, but you've come up with a positive return, so it is good to see. I am I did have a bit of a look at your portfolio prior to you having the phone call with me today, and I can sort of see there that, obviously, you are, sorry, you are one of your investments has underperformed a little bit in the year as much as you've come out on top with a positive result. There is one of your investments that has been a bit down, a bit underperforming there, and that's the band along Australian equities portion of your portfolio. So when that was put in your portfolio originally, it was meant to be more of an actively managed fund. So the idea of that investment manager is they're trying to outperform against the market and get greater returns for you. They're supposed to be buying and selling in a you know, picking the market, timing it, and picking investments that are valued low and trying to sell high and things like that. They haven't unfortunately been able to do that this year, and they've had some underlying issues there. So it is one that I would like to maybe look at moving out. But as a whole, if you're also looking to access some funds there, we might look at updating the advice and maybe looking at how how you can access those funds around December, what that looks like for your long term goals, and maybe look at updating the investments as a whole. Does that sound okay? You'd like to maybe do that a whole advice piece there? Yeah. Oh, good. Do you happen to have access to your emails at the moment? Are you currently driving or just not at your computer? Or oh. Oh, did you wanna find a shady spot? I don't want you to sit in the sun. You're okay? Oh, beautiful. Beautiful. All good. So, look, if we are looking to maybe update the advice there and have a look at things, I would like to maybe look at removing that investment if it's viable to do so, look at maybe seeing how that tracks over the next sort of essentially six months towards December there. And so you've mentioned that you're looking to maybe access about 80,000. Is that right? Okay. Yeah. So, realistically, if we are you planning to maybe Mhmm. Yeah. Yeah. So, look, essentially, for you to access your super, you just have the you have to have the intention to retire. So you'd be have to be willing to stop working with the intention of not going back to work again. However, if you then open a pension account and start accessing your super and then next week you find you have been offered a job and you wanna go back to work or say you are bored of retirement, there's absolutely nothing wrong with that. However, for me to be able to do the advice and to look at drawing out that kind of amount of money for you, it is essentially you saying, hey. I'm planning to retire. I'm gonna be retired at this stage. I'm not planning to go back to work. After that time, if you then get a job, that's up to you. But there's nothing to stop you. You don't have to stay retired. Many retired people get bored and go back to work, and that's absolutely fine. It's completely up to you. Yeah. Is that kind of what beautiful. Beautiful. Did you want me to update the personal advice piece to factor in that withdrawal and then, obviously, the long term effect on your super and how we look at maybe building your balance back up, you know, after that? Or, yep, that's okay. Yeah. Yeah. That's okay. Not a problem. The others the other option is if you wanted to, you can do it as another, yeah, another side of things is I can just do the advice to sort of reflect the change in the investments now. And then when you turn 60, you can just call us, request the withdrawal as a transaction without seeking advice and just confirm that you have retired. Did you want me to go down the personal advice route and do it as a whole document for you now, or did you wanna maybe look at just requesting a withdrawal in December and we just look at you you're super in kind of investment switching and things like that now? What would you like me to do? Realistically, the advice document would be around because we have about six months, I could do the investment switch now, look at what we're projecting your super to be based on the growth over the next sort of six months. We could then look at, you know, you retiring and opening a pension, drawing the 100,000 down, but then I could not factor in any additional contributions after that because, essentially, you are retired. But then again in December, we can always come back and do a new advice piece if you decide to go back to work after that point to then look at how to build your super back up again because you will still have money left in super by taking a $100 out. You've got a 148 there now and six months of additional growth and income to to come as well plus contributions. Would that be okay? Yes? Beautiful. Look. You are a client of ours. You pay the ongoing service fee, so I can do as many advice pieces as you want. But right now, it just sort of means that I can look at your investments, look at how best the structure is for you to help you work over the next six months. We factor in the withdrawal, what's expected after that withdrawal, and then we'll note in there that we'll meet again in December to look at what changes the circumstances are, and we'll keep the advice evolving from there. Does that sound okay with you? Yeah. Beautiful. Excellent. And you'd be comfortable yeah. You're right. Go for it. Sorry. So if you are it is. If you are 60 and you have retired, you get access to the money tax free. Correct? Yeah. It's nice, isn't it? You've worked all this time, and you get a you get that money out tax free. Yep. Yeah. Yep. Yep. At 67? Well, you're only 60 this year, so you do have essentially seven years until you're eligible for the age pension through Centrelink. But when you get to age seven, Centrelink look at your assets and liabilities at the time of your application. So if you have taken a 100,000 out of super at 60 and that money is gone, they're not gonna assess that. So when you go to do the age pension application at 67, they wanna see what you have available to your super balance at age 67 plus any other your car, your boat, your caravan. They wanna see any investments you might have. They'll look at your bank accounts. They'll look at all the other things there. Your house is fully exempt as long as it's more under two two hectares, which in some products would absolutely be. So, yeah, essentially, it's not a problem on the age pension side of things at age 67. And when you get to that point, Michael, let me know. I can look at both yourself and Judith as a whole unit, and we can look at age pension eligibility. I do a lot of that here. So we can look at age pension eligibility, what that looks like for you, how that works, what super you guys have that we can maybe replenish for, because age pension isn't a lot of money. It doesn't really cover everything we need. So having a little bit of super there to sort of back you up and and provide some additional support isn't a bad thing, but I do a lot of that advice here as well and can absolutely help you along that way. But no. No. But when they receive the funds, if they invest the money or if they put the money into a bank account and earn income, they pay tax on what they do with the funds. Yeah. But, essentially, yeah, that's okay. So with gifting, it's really also important to know that Centrelink has certain rules around gifting. So under the Centrelink rules, if you are going to gift anything, they have a five year rule. So gifting before, essentially, the age of 62 is preferable because any gifting between 62 to 67, they're gonna ask you in the application, have you gifted any money? And they have gifting rules. So, essentially, under their rules, you can gift up to 10,000 per year or 30,000 over a five year period, but no more than 10,000 per year. So as an example, over five years, if you wanted to give your three kids $30,000, say 10,000 each, you would have to do 10,000 increments each financial year. But over five years, you can't go over that $30,000 mark. If you do, Centrelink assess you as having that that extra money over the the threshold of 30,000. They assess you with still having that money, and it accounts to and can reduce your pension payments. So even though you don't have that money left, they still assess you with holding it, essentially. Yeah. That's all good. That's alright. There's a lot of rules involved there, isn't it? No. Yeah. Oh, I know. Well, absolutely. Yeah. Alright. All good. Well, you guys you guys are welcome to ask any questions you have, especially around that side of thing there too, Drew. If there's anything that you're after no. Your annual review is coming up shortly as well. So I definitely wanna have a look at it where everything's going for yourself and maybe look at any advice that we need to update for you as well. But, yeah, realistically, if even if you have any questions about ScentLink, you hear anything that you're concerned about, give me a call or send an email or ring us, and my team will book you in, or they'll get me to send an email, whatever you're preferable, that you're welcome to ask those sorts of questions because there's a lot of information out there. A lot of it's a lot of hard to decipher, and Centrelink is just difficult to talk to as a whole. So having people here like us to be able to help you with that is absolutely my area. Okay? Yep. So what we will essentially do as part of the advice, if you like, I will set it up that in as part of the advice, we'll look at the investments, look at growing your super over the next six months, and then consider in the withdrawal out. With the withdrawal, because I'll add it into the advice piece, which will just take me a couple of weeks to get sorted, and I'll let my team will book you back and negotiate that together so you and I can see it. But what'll happen is my team will put a little calendar invite in mine and their calendar, and they'll give you a call. We can do it, say, a week out from when you turn 60. You just need to confirm that you have retired because they're gonna ask you to confirm your last day of work and your site use December 15. Beautiful. Lovely. It says you would just have to sign a form and a declaration to confirm that you are retired as of the December 15. On the fifteenth, if you're comfortable sorry. You're right. No. It's it's just a declaration that we get for you from your super fund. Yeah. It's just taking a yep. We'll send it out to you. Are you happy with us sending to you on the fifteenth on your birthday, or would you like it the next day maybe? We can, but it can't be signed until the actual day. So the other side of it, yeah, so it has to be signed on the fifteenth. So I'd be more it'd probably be better. We can have it done up ready to go the day before, but we send it to you on the morning at the fifteenth. My team can give you a call, say happy birthday. Welcome to sixty, Michael. Sign that box for us. And then when that comes back, we can have that put in place. It does take the super fund a couple of days to have everything set up and the withdrawal completed for you. But we can definitely work to do that. We do go on leave around about the twentieth, and I'll double check the dates. But we'll work with you to make sure that withdrawal is processed as quickly as possible before we leave for the Christmas break so you can get those funds out. Okay? Yeah. That's okay. But, yeah, because I'm putting it in the advice piece and we're factoring that in for you, that essentially we'll we'll organize and give you a call on the day. We'll organize the forms. You've just gotta be comfortable signing them. And, yes, just comfortable with the declaration. We'll essentially be ticking a box and say you're 60 and fully retired. It'll last for your last day of work, which realistically yeah. You're just you're happy with the fifteenth as your last day of work. That's or do you wanna take the day your birthday off and have maybe the day before off? The fifteenth is a month the fifteenth is a yeah. I think it is a Tuesday. Yeah. Did you wanna retire maybe this Friday? Perfect. So we'll put down that the fifteenth is your last day of work, and that'll be submitted. Beautiful. The super Yep. Yeah. That's okay. What kind of car are you planning on getting? Yep. Yeah. Yep. That's okay. What I will do as part of the research is I will just confirm with Hub twenty four, they're happy with you retiring on your birthday. They might sort of ask if you can maybe retire the day before, say, the fourteenth. That way, we're submitting the form and you have retired. Would you be comfortable doing it that way? Would you be comfortable finishing one day earlier maybe? Oh, you can have a long weekend. The Thursday is alright. Perfect. So we'll make it the Thursday, the tenth for you. Excellent. So on the fifteenth, we'll give you a birthday call. Say happy birthday. Get that form sent out. We'll pre tick the box and say that you're gonna you're gonna retire on the December 10 this year, and you'll just need to let your employer know so they're aware that you are retiring. Okay? Yeah. Oh, look. It is really exciting. I'm glad you're not having to work on your birthday. Like, you you should be able to enjoy that day. '60 is a good thing. Why why start now? Yeah. Yeah. Yeah. Yep. Yeah. No. Absolutely not. Yep. Yeah. Absolutely. Yeah. Beautiful. Yeah. Yeah. Oh, congratulations. That'll be fantastic. What a year, honestly. And you will have retired just in time to go and spend some quality time with your new grandson, enjoy your new car and day trip, and then you decide what you wanna do moving forward. That's fantastic. I'm yeah. Yeah. Look. I'm a little bit jealous. As I said, I'm 41, so not really a spring chicken. But, look, I would love to be 60 right now and and give retirement a go. It sounds fun. That's okay. That's not a problem at all. So because I'm just gonna update the advice, I'm just gonna go through and just update some other circumstances here there for you, Michael. Now at the moment, your income, I've got you earning about 51,000 per annum. Is that still correct, and is that the income expected until December? Oh, wow. Yeah. Alright. Yeah. Yeah. Yes. Helpful. Income. Yeah. Absolutely. Yeah. No. Absolutely. Perfect. So at the moment, are you happy with me keeping your income at that $51,000 mark for the plan to to factor in contributions? Yep. Beautiful. And your salary sacrificing as well, it looks like about $80 per fortnight. Is that right? Yep. Beautiful. And that's gonna continue forward until December when you retire? Yep. Beautiful. I'm just popping that in here for you. Excellent. That's per fortnight. Lovely. I've got down here, obviously, silly questions to ask, but I've got Judith, you're next of kin. And I've got confirmed beneficiaries in the event of something happening and you passing, you want everything to be paid to Judith. Yeah. Beautiful. Beautiful. I don't wanna cause divorce court or anything, but just need to confirm those things for you. I can see your I can see your employer contributions coming in, so I can see where they're coming from, which is absolutely fantastic. Looking at your assets and liabilities now. Now where you are, the money paying off a couple of debts, what debts are you planning to pay off with the funds that you draw out of super? Yep. Okay. Beautiful. And a personal loan. And you're renting where you are at the moment? Yeah. How much rent are you paying at the moment on a weekly or fortnightly basis? $7.50 per week. Excellent. I mean, not bad for the prime location that you're in. Excellent. And how much do you have owing on those credit cards? They're roughly Yep. Okay. Yeah. Yep. Yeah. Absolutely. And I've got your car noted here as well. We had a value last year for about 25,000. What kind of car do you drive at the moment? Yep. Beautiful. Excellent. And what's the value would you put on that now, do you think? Yep. No. Beautiful. And with your new car, what sort of cost do you think you'll be spending on that? You're not really sure? Yeah. Beautiful. On road. Yeah. Beautiful. I feel like some day trips somewhere or some overnight trips in the new car might be worthwhile over Christmas and New Year's. That'll be beautiful. A good drive too. I love that. That's fantastic. Excellent. And do you have any other assets you wanna note down? Do you have any other investments or anything of value that you wanna note down? Nope. That's that's okay. Beautiful. Excellent. Now the other thing to look at is just your risk profile as well. Now we do do this every year with you. I'll just do it really quickly for you. I'm just checking how you're invested at the moment within your super there just to make sure that I know what your portfolio looks like. Two seconds. Sorry. Love technology when it wants to work with us there. So at the moment, you're in that growth kind of environment there. So that essentially sees about 80% of your super invested in growth ads, so think Australian shares, international shares, property, and also commodities, so precious metals like gold and silver. Those are the investments that see the ups and downs, the fluctuations that we feel, but they're also the investments there that get us the best return. And then the other 20% is in lower risk defensive investments, the things like cash, bonds, and fixed interest. Those investments tend to get a lower rate of return, but they are seen as lower risk. It's about that risk versus reward sort of balance to try and get the best returns. We have to be willing to take on more risk in the market. When we're not feeling out taking more risk, we tend to get lower rates of returns, but we also continue to get stability. And one of the biggest things I just wanna work at now is over the next six months towards your retirement, are you wanting to take on more risk in the market or the same level of risk knowing there could be a downturn, which means your super could draw backwards a little bit before we access those funds? Or are you wanting to maybe bring that risk level down a little bit for the next six months because you are wanting to access your super? Do you know what you'd like me to sort of look at? Bit of a tough one. That's okay. That's okay. I've got a couple of questions to kinda help and guide if you like just to make it easier on you. It doesn't really let us, yeah, it doesn't really let us do that. We sort of have to have a a total portfolio within your super. We can't kind of break your super into different areas because it's all in one account. But what I could maybe look at doing, if you're comfortable, I'm just sort of filling out some of the questions here because I know, obviously, you're looking to try and get the best returns you can. On a yearly basis, so over the we're only looking over the next sort of six months there. But do you think you are looking to try and get, say, the highest return you can, looking at 8% and above to try and build as much as you can, or do you think you'd be more comfortable achieving maybe a six, a five, a four, or a 3% return just to kinda keep your capital more in place for you withdrawal? How do you think you might fit? Would you go for aim for the highest we can possibly get? Beautiful. If you saw your super fall in the next sort of six months due to what was happening in the markets generally, I know you'd probably feeling a little bit concerned. You wouldn't be very happy with it. But, realistically, do you think you'd be wanting to maybe find some extra money, put a lump sum in, and build on your super and maybe hold off retiring till it comes back, or are you still wanting to access your super and cement those losses? Access your super either way. Beautiful. Excellent. How do you think you might be feeling if the downturn sorta came? Do you think you'd be feeling optimistic about the investment opportunity, a bit cautious, concerned, or feeling very anxious because you're accessing money? Yep. So just access whatever you can at the time. Yep. Yep. Yep. That's okay. Not a problem at all. I'm just sort of going through and updating things. Beautiful. I put down here that you'd probably be feeling a bit concerned. Do you feel like you would be a bit concerned about it? Yeah. Yeah. Beautiful. So having a look at, obviously, where we are and how you've scored, because you are wanting to look. You're fairly comfortable with taking on more risk in the market to get greater returns, and, you know, you are sort of of that opinion that the market does what the market does, and you can't control that. But wouldn't obviously be overly impressed if the market did take a bit of a huge dip in the next sort of six months there. But with your time horizon, because you are wanting to access that large sum of money in the next six months there, what I could maybe look at doing for you, Michael, is to look at maybe putting some capital protection in there. We maybe reduce your risk level down to more of a balanced portfolio. It is dropping it pretty drastically. So our portfolios go high growth, growth, balance, growth, and balance. So you are dropping it down by two risk levels. A balanced portfolio brings it down to 60% invested in those growth assets and then 40% in defensive assets. That essentially is reducing your risk level. It's bringing up some of those defensive investments. It does mean that the amount of returns that we're we're probably expecting might decrease a little bit, but it puts in a little bit more of, you know, a bit more capital protection for you. So we are expecting that, you know, the ups and downs to not be as volatile as well, which can mean adding a little bit of protection for your capital so that you're able to take the funds out and hopefully not see a really large downturn if the market did go that way. Does that make sense? And are you comfortable with looking at that or yes? Yep. Beautiful. Beautiful. And as I said, we'll touch base in December. We'll we'll touch base after your birthday, and we can always update the advice and look at what to do moving forward thereafter. Because you wanna take about a three month period off minimum to sort of see and take some time off for you, Are you needing to draw any income down in that time, or do you feel Judith, like, your income is gonna support you both in that time frame comfortably? Yep. Yep. That's a 100 k. Yep. Yeah. Beautiful. Not a problem at all. That's okay. So what we can do is, essentially, we can just if you like, because we do kinda go on leave around about Christmas time, we'll do the advice case in December when you retire. We'll do that drawdown for you. And then when we come back, I'll book you in for when we come back early January. We can then have a look at your circumstances and look at updating the advice. Does that sound okay, or would you want me to hold off a little bit longer? Early February? Yep. Yep. No. That's okay. Beautiful. What I can even do because we tend to, you know, look at how how best to structure your withdrawal from your super. I can also look at if we decide to like, if it works out better to open a pension account and, you know, withdraw that way, we can always look at, you know, closing that off and moving all the funds, the additional funds back into super. I'll have a look at all the options. I know when you turn 60, are you wanting that money sort of as quickly as possible, or would you be comfortable with opening up a pension and maybe waiting a week for the funds to come out, or you kind of just wanting them to come out, like, the next couple of days really quickly? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's okay. I can have a look at all the options and see what sort of works for you, how it sort of looks. One of the biggest things to sort of look at is the tax consequences. And the main reason I sort of bring up the two accounts is that in accumulation phase, which is where you are at the moment, that's what the super system is when you're growing a super before 60. Essentially, you do have income tax and capital gains tax consequences. So your super fund, is doing a tax return every year for it. It is doing an and paying income tax and CDT tax on growth and income that is earned within the system there. When you actually do retire and you move into pension phase, that phase is fully tax free. So we have one or two options. You can. What we try to do is we try to move you into pension phase first, so open up a pension account. It generally happens fairly quickly within about sort of, you know, two or three days to open that pension account. The the fund hub twenty four moves money into the pension phase, and drawing the 100,000 down within pension phase, whilst it can take just a little bit longer to do, means that there's no income tax consequences. So the benefit to that is as much as when you draw the money down, whether you draw it as a super pension, realistically, there's no income tax consequences to you. It is tax free. But inside the funding pension phase, there's no income tax and no capital gains tax. And capital gains tax comes from selling down investments, which we do have to do in order to withdraw the funds. So would you be comfortable just sort of having it, you know, maybe take an extra day or two or an extra week just to get that money at the save on tax? Yeah? Yep. That would be an option. Beautiful. And, look, if it took a bit longer and we were on leave, I would jump in there and do it for you. Do not worry in any way, shape, or form. I will make sure even though it's December and, technically, we do shut down for two weeks, I will make sure this happens before we go on leave. That way, you're not stuck without any money over that two week Christmas period. Okay? Yeah. Beautiful. That's okay. So I'll look at, obviously, structuring the advice for you to withdraw in December when you retire. Look at structuring your investments now for you as well, and look at how we do that and maybe just reducing your risk level down to that balanced environment. Does that sound okay? Have I missed anything at all? Beautiful. Oh, fantastic. Lovely. Now it's also a note in here, you don't have any insurances paid out of your supers. There's no insurances to worry about, but you're comfortable not having life capability income protection. None of that sort of worries or interests you. I love that. That's all good. Now in the annual review pack, which I have emailed to you as well, it'll be in your emails when you get a chance. It does have a copy of the documents that I've gone through giving you your updated super balance, your performance there as well, and it's also got your ongoing service agreement attached. So just to let you know, this year, there is no change to our fee structure. However, next year, there will be a bit of a change. There is I can't sort of go through it exactly with you right now, but for the time time being, there's no change to your ongoing service fee. It is still 1.1% because you're both on as clients, and that will continue. If you sign and return that back, it will continue exactly the same over the next twelve months there, and we can kinda go through everything else down the track. Does that sound okay? Do you have any questions? Beautiful. Beautiful. Well, I'll get cracking on that research there for you. If anything comes up that you think I've missed or you have extra questions that pop out of any of it, you let me know. I'm more than happy to jump on that. Judith, I will get my colleague, Samantha, to organize when you're due for annual review. She'll give you a call and book you in as well so we can look at everything for yourself as well. Okay? Fantastic. Well, I'm pretty sure that's everything for you guys. You both have a lovely day, and I will get cracking on this research. Oh, just one more question. Sorry. I know over the last few years, you've had some additional goals that you were sort of looking at. Do you have anything else that you're gonna look at goal wise over the next few years, or is everything just looking at retirement, drawing that money up, paying off your debts, and getting the new car? Yep. Yep. Beautiful. I love it. Fantastic. Not a problem at all. Well, I will let you go. Thank you so much for that. I really appreciate your time this afternoon. If there is any questions, let me know. And if you can just get on that any review pack, if you're happy to sign and return it back, do so. And we'll get sorted on the advice and get you booked in a few weeks to go through it all. Okay? You're a legend. Thank you so much. Have a great day, guys. We really appreciate it. Thanks. See you later. 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Hi, Michael. It's Dana from OQ Financial. How are you this afternoon? I'm very well.\n\nThank you. I had you booked in for a bit of an annual review and a bit of a chat around. You're turning 60 soon. Is now still a good time there for you? No.\n\nNot at all. Please do not think that in any way, shape, or form. 60 is a great age. I'm not. I can promise you I'm actually 41.\n\nSo by no means, I I sound young. They're all good, Michael. Is now still a good time for a bit of a chat and an update? Yep. Fantastic.\n\nBefore we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Yep. That's the one. Yeah. Perfect.\n\nLovely. When did when did you move? Oh, fantastic. And how's it been going? Everything nice?\n\nEnjoy the new place? Oh, that's good. That's good. Are you sort of riding the hottest service? Is it quite busy where you are?\n\nYeah. I do. Wow. Very I mean, good position. Great location.\n\nAbsolutely. All good. Oh, perfect. Hi, Judith. How are you?\n\nThat's good. Now I know part of what you wanted to discuss today, Michael, was about you turning 60 moving forward there as well. Is there anything else specifically that you wanted me to sort of talk about or touch on as part of the review when you're turning 60? What's kind of the plan when you turn 60? Are you hoping to keep working or retire, or what's what's the plan moving forward so far for yourself?\n\nYep. Access and money. Yeah. Perfect. So, essentially, under the legislation, once you turn 60, you can access your full super, fully tax free as long as you are fully retired.\n\nSo if you plan to stop working with the intention of not going back to work, you can access all of your super. The alternative is we can do what's called a transition to retirement account where you can access up to 10% of the balance that is transferred into a pension account. We do have to leave at least 10,000 behind in a super account to accumulation phase, but you can access up to 10% of your balance that way as well. Is there a specific amount that you're sort of looking to try and access? Or yeah.\n\nYeah. Nice. Nice. And how much do you think you might need for that? Yeah.\n\nNo. That's okay. So let's have a bit of a look at how your super is at the moment. So I do have actually, very close, honestly. You've got a a balance at the moment of a 148,026 and 97¢ there.\n\nSo it has definitely gone up. When I have a look at the balance as of last year, this time last year, your balance then was a 124,004 83 and 58¢. So your balance has definitely increased on last year, which is good. When I have a look at the performance of the investments there as well, the net return, so after fees, Your portfolio has returned 11.47. So it is good you have seen that increase over the last twelve months.\n\nEarnings as a dollar figure, some people prefer a dollar figure over an as percentage. I'm so sorry. So the earnings as a dollar figure means that you've earned about 17,864 in growth plus income in the year. So it is good. You are definitely seeing an increase from where you were last year.\n\nThe portfolio has been working very nicely there. And even with what's been I know you probably heard what's been happening in the news globally with The US and the Iran war and the high interest rate here, so that all has had a bit of an up and down effect on the market this year, but you've come up with a positive return, so it is good to see. I am I did have a bit of a look at your portfolio prior to you having the phone call with me today, and I can sort of see there that, obviously, you are, sorry, you are one of your investments has underperformed a little bit in the year as much as you've come out on top with a positive result. There is one of your investments that has been a bit down, a bit underperforming there, and that's the band along Australian equities portion of your portfolio. So when that was put in your portfolio originally, it was meant to be more of an actively managed fund.\n\nSo the idea of that investment manager is they're trying to outperform against the market and get greater returns for you. They're supposed to be buying and selling in a you know, picking the market, timing it, and picking investments that are valued low and trying to sell high and things like that. They haven't unfortunately been able to do that this year, and they've had some underlying issues there. So it is one that I would like to maybe look at moving out. But as a whole, if you're also looking to access some funds there, we might look at updating the advice and maybe looking at how how you can access those funds around December, what that looks like for your long term goals, and maybe look at updating the investments as a whole.\n\nDoes that sound okay? You'd like to maybe do that a whole advice piece there? Yeah. Oh, good. Do you happen to have access to your emails at the moment?\n\nAre you currently driving or just not at your computer? Or oh. Oh, did you wanna find a shady spot? I don't want you to sit in the sun. You're okay?\n\nOh, beautiful. Beautiful. All good. So, look, if we are looking to maybe update the advice there and have a look at things, I would like to maybe look at removing that investment if it's viable to do so, look at maybe seeing how that tracks over the next sort of essentially six months towards December there. And so you've mentioned that you're looking to maybe access about 80,000.\n\nIs that right? Okay. Yeah. So, realistically, if we are you planning to maybe Mhmm. Yeah.\n\nYeah. So, look, essentially, for you to access your super, you just have the you have to have the intention to retire. So you'd be have to be willing to stop working with the intention of not going back to work again. However, if you then open a pension account and start accessing your super and then next week you find you have been offered a job and you wanna go back to work or say you are bored of retirement, there's absolutely nothing wrong with that. However, for me to be able to do the advice and to look at drawing out that kind of amount of money for you, it is essentially you saying, hey.\n\nI'm planning to retire. I'm gonna be retired at this stage. I'm not planning to go back to work. After that time, if you then get a job, that's up to you. But there's nothing to stop you.\n\nYou don't have to stay retired. Many retired people get bored and go back to work, and that's absolutely fine. It's completely up to you. Yeah. Is that kind of what beautiful.\n\nBeautiful. Did you want me to update the personal advice piece to factor in that withdrawal and then, obviously, the long term effect on your super and how we look at maybe building your balance back up, you know, after that? Or, yep, that's okay. Yeah. Yeah.\n\nThat's okay. Not a problem. The others the other option is if you wanted to, you can do it as another, yeah, another side of things is I can just do the advice to sort of reflect the change in the investments now. And then when you turn 60, you can just call us, request the withdrawal as a transaction without seeking advice and just confirm that you have retired. Did you want me to go down the personal advice route and do it as a whole document for you now, or did you wanna maybe look at just requesting a withdrawal in December and we just look at you you're super in kind of investment switching and things like that now?\n\nWhat would you like me to do? Realistically, the advice document would be around because we have about six months, I could do the investment switch now, look at what we're projecting your super to be based on the growth over the next sort of six months. We could then look at, you know, you retiring and opening a pension, drawing the 100,000 down, but then I could not factor in any additional contributions after that because, essentially, you are retired. But then again in December, we can always come back and do a new advice piece if you decide to go back to work after that point to then look at how to build your super back up again because you will still have money left in super by taking a $100 out. You've got a 148 there now and six months of additional growth and income to to come as well plus contributions.\n\nWould that be okay? Yes? Beautiful. Look. You are a client of ours.\n\nYou pay the ongoing service fee, so I can do as many advice pieces as you want. But right now, it just sort of means that I can look at your investments, look at how best the structure is for you to help you work over the next six months. We factor in the withdrawal, what's expected after that withdrawal, and then we'll note in there that we'll meet again in December to look at what changes the circumstances are, and we'll keep the advice evolving from there. Does that sound okay with you? Yeah.\n\nBeautiful. Excellent. And you'd be comfortable yeah. You're right. Go for it.\n\nSorry. So if you are it is. If you are 60 and you have retired, you get access to the money tax free. Correct? Yeah.\n\nIt's nice, isn't it? You've worked all this time, and you get a you get that money out tax free. Yep. Yeah. Yep.\n\nYep. At 67? Well, you're only 60 this year, so you do have essentially seven years until you're eligible for the age pension through Centrelink. But when you get to age seven, Centrelink look at your assets and liabilities at the time of your application. So if you have taken a 100,000 out of super at 60 and that money is gone, they're not gonna assess that.\n\nSo when you go to do the age pension application at 67, they wanna see what you have available to your super balance at age 67 plus any other your car, your boat, your caravan. They wanna see any investments you might have. They'll look at your bank accounts. They'll look at all the other things there. Your house is fully exempt as long as it's more under two two hectares, which in some products would absolutely be.\n\nSo, yeah, essentially, it's not a problem on the age pension side of things at age 67. And when you get to that point, Michael, let me know. I can look at both yourself and Judith as a whole unit, and we can look at age pension eligibility. I do a lot of that here. So we can look at age pension eligibility, what that looks like for you, how that works, what super you guys have that we can maybe replenish for, because age pension isn't a lot of money.\n\nIt doesn't really cover everything we need. So having a little bit of super there to sort of back you up and and provide some additional support isn't a bad thing, but I do a lot of that advice here as well and can absolutely help you along that way. But no. No. But when they receive the funds, if they invest the money or if they put the money into a bank account and earn income, they pay tax on what they do with the funds.\n\nYeah. But, essentially, yeah, that's okay. So with gifting, it's really also important to know that Centrelink has certain rules around gifting. So under the Centrelink rules, if you are going to gift anything, they have a five year rule. So gifting before, essentially, the age of 62 is preferable because any gifting between 62 to 67, they're gonna ask you in the application, have you gifted any money?\n\nAnd they have gifting rules. So, essentially, under their rules, you can gift up to 10,000 per year or 30,000 over a five year period, but no more than 10,000 per year. So as an example, over five years, if you wanted to give your three kids $30,000, say 10,000 each, you would have to do 10,000 increments each financial year. But over five years, you can't go over that $30,000 mark. If you do, Centrelink assess you as having that that extra money over the the threshold of 30,000.\n\nThey assess you with still having that money, and it accounts to and can reduce your pension payments. So even though you don't have that money left, they still assess you with holding it, essentially. Yeah. That's all good. That's alright.\n\nThere's a lot of rules involved there, isn't it? No. Yeah. Oh, I know. Well, absolutely.\n\nYeah. Alright. All good. Well, you guys you guys are welcome to ask any questions you have, especially around that side of thing there too, Drew. If there's anything that you're after no.\n\nYour annual review is coming up shortly as well. So I definitely wanna have a look at it where everything's going for yourself and maybe look at any advice that we need to update for you as well. But, yeah, realistically, if even if you have any questions about ScentLink, you hear anything that you're concerned about, give me a call or send an email or ring us, and my team will book you in, or they'll get me to send an email, whatever you're preferable, that you're welcome to ask those sorts of questions because there's a lot of information out there. A lot of it's a lot of hard to decipher, and Centrelink is just difficult to talk to as a whole. So having people here like us to be able to help you with that is absolutely my area.\n\nOkay? Yep. So what we will essentially do as part of the advice, if you like, I will set it up that in as part of the advice, we'll look at the investments, look at growing your super over the next six months, and then consider in the withdrawal out. With the withdrawal, because I'll add it into the advice piece, which will just take me a couple of weeks to get sorted, and I'll let my team will book you back and negotiate that together so you and I can see it. But what'll happen is my team will put a little calendar invite in mine and their calendar, and they'll give you a call.\n\nWe can do it, say, a week out from when you turn 60. You just need to confirm that you have retired because they're gonna ask you to confirm your last day of work and your site use December 15. Beautiful. Lovely. It says you would just have to sign a form and a declaration to confirm that you are retired as of the December 15.\n\nOn the fifteenth, if you're comfortable sorry. You're right. No. It's it's just a declaration that we get for you from your super fund. Yeah.\n\nIt's just taking a yep. We'll send it out to you. Are you happy with us sending to you on the fifteenth on your birthday, or would you like it the next day maybe? We can, but it can't be signed until the actual day. So the other side of it, yeah, so it has to be signed on the fifteenth.\n\nSo I'd be more it'd probably be better. We can have it done up ready to go the day before, but we send it to you on the morning at the fifteenth. My team can give you a call, say happy birthday. Welcome to sixty, Michael. Sign that box for us.\n\nAnd then when that comes back, we can have that put in place. It does take the super fund a couple of days to have everything set up and the withdrawal completed for you. But we can definitely work to do that. We do go on leave around about the twentieth, and I'll double check the dates. But we'll work with you to make sure that withdrawal is processed as quickly as possible before we leave for the Christmas break so you can get those funds out.\n\nOkay? Yeah. That's okay. But, yeah, because I'm putting it in the advice piece and we're factoring that in for you, that essentially we'll we'll organize and give you a call on the day. We'll organize the forms.\n\nYou've just gotta be comfortable signing them. And, yes, just comfortable with the declaration. We'll essentially be ticking a box and say you're 60 and fully retired. It'll last for your last day of work, which realistically yeah. You're just you're happy with the fifteenth as your last day of work.\n\nThat's or do you wanna take the day your birthday off and have maybe the day before off? The fifteenth is a month the fifteenth is a yeah. I think it is a Tuesday. Yeah. Did you wanna retire maybe this Friday?\n\nPerfect. So we'll put down that the fifteenth is your last day of work, and that'll be submitted. Beautiful. The super Yep. Yeah.\n\nThat's okay. What kind of car are you planning on getting? Yep. Yeah. Yep.\n\nThat's okay. What I will do as part of the research is I will just confirm with Hub twenty four, they're happy with you retiring on your birthday. They might sort of ask if you can maybe retire the day before, say, the fourteenth. That way, we're submitting the form and you have retired. Would you be comfortable doing it that way?\n\nWould you be comfortable finishing one day earlier maybe? Oh, you can have a long weekend. The Thursday is alright. Perfect. So we'll make it the Thursday, the tenth for you.\n\nExcellent. So on the fifteenth, we'll give you a birthday call. Say happy birthday. Get that form sent out. We'll pre tick the box and say that you're gonna you're gonna retire on the December 10 this year, and you'll just need to let your employer know so they're aware that you are retiring.\n\nOkay? Yeah. Oh, look. It is really exciting. I'm glad you're not having to work on your birthday.\n\nLike, you you should be able to enjoy that day. '60 is a good thing. Why why start now? Yeah. Yeah.\n\nYeah. Yep. Yeah. No. Absolutely not.\n\nYep. Yeah. Absolutely. Yeah. Beautiful.\n\nYeah. Yeah. Oh, congratulations. That'll be fantastic. What a year, honestly.\n\nAnd you will have retired just in time to go and spend some quality time with your new grandson, enjoy your new car and day trip, and then you decide what you wanna do moving forward. That's fantastic. I'm yeah. Yeah. Look.\n\nI'm a little bit jealous. As I said, I'm 41, so not really a spring chicken. But, look, I would love to be 60 right now and and give retirement a go. It sounds fun. That's okay.\n\nThat's not a problem at all. So because I'm just gonna update the advice, I'm just gonna go through and just update some other circumstances here there for you, Michael. Now at the moment, your income, I've got you earning about 51,000 per annum. Is that still correct, and is that the income expected until December? Oh, wow.\n\nYeah. Alright. Yeah. Yeah. Yes.\n\nHelpful. Income. Yeah. Absolutely. Yeah.\n\nNo. Absolutely. Perfect. So at the moment, are you happy with me keeping your income at that $51,000 mark for the plan to to factor in contributions? Yep.\n\nBeautiful. And your salary sacrificing as well, it looks like about $80 per fortnight. Is that right? Yep. Beautiful.\n\nAnd that's gonna continue forward until December when you retire? Yep. Beautiful. I'm just popping that in here for you. Excellent.\n\nThat's per fortnight. Lovely. I've got down here, obviously, silly questions to ask, but I've got Judith, you're next of kin. And I've got confirmed beneficiaries in the event of something happening and you passing, you want everything to be paid to Judith. Yeah.\n\nBeautiful. Beautiful. I don't wanna cause divorce court or anything, but just need to confirm those things for you. I can see your I can see your employer contributions coming in, so I can see where they're coming from, which is absolutely fantastic. Looking at your assets and liabilities now.\n\nNow where you are, the money paying off a couple of debts, what debts are you planning to pay off with the funds that you draw out of super? Yep. Okay. Beautiful. And a personal loan.\n\nAnd you're renting where you are at the moment? Yeah. How much rent are you paying at the moment on a weekly or fortnightly basis? $7.50 per week. Excellent.\n\nI mean, not bad for the prime location that you're in. Excellent. And how much do you have owing on those credit cards? They're roughly Yep. Okay.\n\nYeah. Yep. Yeah. Absolutely. And I've got your car noted here as well.\n\nWe had a value last year for about 25,000. What kind of car do you drive at the moment? Yep. Beautiful. Excellent.\n\nAnd what's the value would you put on that now, do you think? Yep. No. Beautiful. And with your new car, what sort of cost do you think you'll be spending on that?\n\nYou're not really sure? Yeah. Beautiful. On road. Yeah.\n\nBeautiful. I feel like some day trips somewhere or some overnight trips in the new car might be worthwhile over Christmas and New Year's. That'll be beautiful. A good drive too. I love that.\n\nThat's fantastic. Excellent. And do you have any other assets you wanna note down? Do you have any other investments or anything of value that you wanna note down? Nope.\n\nThat's that's okay. Beautiful. Excellent. Now the other thing to look at is just your risk profile as well. Now we do do this every year with you.\n\nI'll just do it really quickly for you. I'm just checking how you're invested at the moment within your super there just to make sure that I know what your portfolio looks like. Two seconds. Sorry. Love technology when it wants to work with us there.\n\nSo at the moment, you're in that growth kind of environment there. So that essentially sees about 80% of your super invested in growth ads, so think Australian shares, international shares, property, and also commodities, so precious metals like gold and silver. Those are the investments that see the ups and downs, the fluctuations that we feel, but they're also the investments there that get us the best return. And then the other 20% is in lower risk defensive investments, the things like cash, bonds, and fixed interest. Those investments tend to get a lower rate of return, but they are seen as lower risk.\n\nIt's about that risk versus reward sort of balance to try and get the best returns. We have to be willing to take on more risk in the market. When we're not feeling out taking more risk, we tend to get lower rates of returns, but we also continue to get stability. And one of the biggest things I just wanna work at now is over the next six months towards your retirement, are you wanting to take on more risk in the market or the same level of risk knowing there could be a downturn, which means your super could draw backwards a little bit before we access those funds? Or are you wanting to maybe bring that risk level down a little bit for the next six months because you are wanting to access your super?\n\nDo you know what you'd like me to sort of look at? Bit of a tough one. That's okay. That's okay. I've got a couple of questions to kinda help and guide if you like just to make it easier on you.\n\nIt doesn't really let us, yeah, it doesn't really let us do that. We sort of have to have a a total portfolio within your super. We can't kind of break your super into different areas because it's all in one account. But what I could maybe look at doing, if you're comfortable, I'm just sort of filling out some of the questions here because I know, obviously, you're looking to try and get the best returns you can. On a yearly basis, so over the we're only looking over the next sort of six months there.\n\nBut do you think you are looking to try and get, say, the highest return you can, looking at 8% and above to try and build as much as you can, or do you think you'd be more comfortable achieving maybe a six, a five, a four, or a 3% return just to kinda keep your capital more in place for you withdrawal? How do you think you might fit? Would you go for aim for the highest we can possibly get? Beautiful. If you saw your super fall in the next sort of six months due to what was happening in the markets generally, I know you'd probably feeling a little bit concerned.\n\nYou wouldn't be very happy with it. But, realistically, do you think you'd be wanting to maybe find some extra money, put a lump sum in, and build on your super and maybe hold off retiring till it comes back, or are you still wanting to access your super and cement those losses? Access your super either way. Beautiful. Excellent.\n\nHow do you think you might be feeling if the downturn sorta came? Do you think you'd be feeling optimistic about the investment opportunity, a bit cautious, concerned, or feeling very anxious because you're accessing money? Yep. So just access whatever you can at the time. Yep.\n\nYep. Yep. That's okay. Not a problem at all. I'm just sort of going through and updating things.\n\nBeautiful. I put down here that you'd probably be feeling a bit concerned. Do you feel like you would be a bit concerned about it? Yeah. Yeah.\n\nBeautiful. So having a look at, obviously, where we are and how you've scored, because you are wanting to look. You're fairly comfortable with taking on more risk in the market to get greater returns, and, you know, you are sort of of that opinion that the market does what the market does, and you can't control that. But wouldn't obviously be overly impressed if the market did take a bit of a huge dip in the next sort of six months there. But with your time horizon, because you are wanting to access that large sum of money in the next six months there, what I could maybe look at doing for you, Michael, is to look at maybe putting some capital protection in there.\n\nWe maybe reduce your risk level down to more of a balanced portfolio. It is dropping it pretty drastically. So our portfolios go high growth, growth, balance, growth, and balance. So you are dropping it down by two risk levels. A balanced portfolio brings it down to 60% invested in those growth assets and then 40% in defensive assets.\n\nThat essentially is reducing your risk level. It's bringing up some of those defensive investments. It does mean that the amount of returns that we're we're probably expecting might decrease a little bit, but it puts in a little bit more of, you know, a bit more capital protection for you. So we are expecting that, you know, the ups and downs to not be as volatile as well, which can mean adding a little bit of protection for your capital so that you're able to take the funds out and hopefully not see a really large downturn if the market did go that way. Does that make sense?\n\nAnd are you comfortable with looking at that or yes? Yep. Beautiful. Beautiful. And as I said, we'll touch base in December.\n\nWe'll we'll touch base after your birthday, and we can always update the advice and look at what to do moving forward thereafter. Because you wanna take about a three month period off minimum to sort of see and take some time off for you, Are you needing to draw any income down in that time, or do you feel Judith, like, your income is gonna support you both in that time frame comfortably? Yep. Yep. That's a 100 k.\n\nYep. Yeah. Beautiful. Not a problem at all. That's okay.\n\nSo what we can do is, essentially, we can just if you like, because we do kinda go on leave around about Christmas time, we'll do the advice case in December when you retire. We'll do that drawdown for you. And then when we come back, I'll book you in for when we come back early January. We can then have a look at your circumstances and look at updating the advice. Does that sound okay, or would you want me to hold off a little bit longer?\n\nEarly February? Yep. Yep. No. That's okay.\n\nBeautiful. What I can even do because we tend to, you know, look at how how best to structure your withdrawal from your super. I can also look at if we decide to like, if it works out better to open a pension account and, you know, withdraw that way, we can always look at, you know, closing that off and moving all the funds, the additional funds back into super. I'll have a look at all the options. I know when you turn 60, are you wanting that money sort of as quickly as possible, or would you be comfortable with opening up a pension and maybe waiting a week for the funds to come out, or you kind of just wanting them to come out, like, the next couple of days really quickly?\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. That's okay. I can have a look at all the options and see what sort of works for you, how it sort of looks. One of the biggest things to sort of look at is the tax consequences.\n\nAnd the main reason I sort of bring up the two accounts is that in accumulation phase, which is where you are at the moment, that's what the super system is when you're growing a super before 60. Essentially, you do have income tax and capital gains tax consequences. So your super fund, is doing a tax return every year for it. It is doing an and paying income tax and CDT tax on growth and income that is earned within the system there. When you actually do retire and you move into pension phase, that phase is fully tax free.\n\nSo we have one or two options. You can. What we try to do is we try to move you into pension phase first, so open up a pension account. It generally happens fairly quickly within about sort of, you know, two or three days to open that pension account. The the fund hub twenty four moves money into the pension phase, and drawing the 100,000 down within pension phase, whilst it can take just a little bit longer to do, means that there's no income tax consequences.\n\nSo the benefit to that is as much as when you draw the money down, whether you draw it as a super pension, realistically, there's no income tax consequences to you. It is tax free. But inside the funding pension phase, there's no income tax and no capital gains tax. And capital gains tax comes from selling down investments, which we do have to do in order to withdraw the funds. So would you be comfortable just sort of having it, you know, maybe take an extra day or two or an extra week just to get that money at the save on tax?\n\nYeah? Yep. That would be an option. Beautiful. And, look, if it took a bit longer and we were on leave, I would jump in there and do it for you.\n\nDo not worry in any way, shape, or form. I will make sure even though it's December and, technically, we do shut down for two weeks, I will make sure this happens before we go on leave. That way, you're not stuck without any money over that two week Christmas period. Okay? Yeah.\n\nBeautiful. That's okay. So I'll look at, obviously, structuring the advice for you to withdraw in December when you retire. Look at structuring your investments now for you as well, and look at how we do that and maybe just reducing your risk level down to that balanced environment. Does that sound okay?\n\nHave I missed anything at all? Beautiful. Oh, fantastic. Lovely. Now it's also a note in here, you don't have any insurances paid out of your supers.\n\nThere's no insurances to worry about, but you're comfortable not having life capability income protection. None of that sort of worries or interests you. I love that. That's all good. Now in the annual review pack, which I have emailed to you as well, it'll be in your emails when you get a chance.\n\nIt does have a copy of the documents that I've gone through giving you your updated super balance, your performance there as well, and it's also got your ongoing service agreement attached. So just to let you know, this year, there is no change to our fee structure. However, next year, there will be a bit of a change. There is I can't sort of go through it exactly with you right now, but for the time time being, there's no change to your ongoing service fee. It is still 1.1% because you're both on as clients, and that will continue.\n\nIf you sign and return that back, it will continue exactly the same over the next twelve months there, and we can kinda go through everything else down the track. Does that sound okay? Do you have any questions? Beautiful. Beautiful.\n\nWell, I'll get cracking on that research there for you. If anything comes up that you think I've missed or you have extra questions that pop out of any of it, you let me know. I'm more than happy to jump on that. Judith, I will get my colleague, Samantha, to organize when you're due for annual review. She'll give you a call and book you in as well so we can look at everything for yourself as well.\n\nOkay? Fantastic. Well, I'm pretty sure that's everything for you guys. You both have a lovely day, and I will get cracking on this research. Oh, just one more question.\n\nSorry. I know over the last few years, you've had some additional goals that you were sort of looking at. Do you have anything else that you're gonna look at goal wise over the next few years, or is everything just looking at retirement, drawing that money up, paying off your debts, and getting the new car? Yep. Yep.\n\nBeautiful. I love it. Fantastic. Not a problem at all. Well, I will let you go.\n\nThank you so much for that. I really appreciate your time this afternoon. If there is any questions, let me know. And if you can just get on that any review pack, if you're happy to sign and return it back, do so. And we'll get sorted on the advice and get you booked in a few weeks to go through it all.\n\nOkay? You're a legend. Thank you so much. Have a great day, guys. We really appreciate it.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Uh-huh.","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02827438712120056},{"text":"Hi, Michael.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.15759271383285522},{"text":"It's Dana from OQ Financial.","start":3.1999998,"end":4.66,"sentiment":"neutral","sentiment_score":0.19383921325206757},{"text":"How are you this afternoon?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.22802351117134095},{"text":"I'm very well.","start":8.16,"end":9.04,"sentiment":"positive","sentiment_score":0.5811319152514139}],"sentiment":"neutral","sentiment_score":0.2622605739161372,"num_words":16,"start":0.56,"end":9.04},{"sentences":[{"text":"Thank you.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6406800448894501},{"text":"I had you booked in for a bit of an annual review and a bit of a chat around.","start":9.5199995,"end":13.219999,"sentiment":"neutral","sentiment_score":0.21943510990393789},{"text":"You're turning 60 soon.","start":13.28,"end":14.755,"sentiment":"neutral","sentiment_score":0.16123616322875023},{"text":"Is now still a good time there for you?","start":14.755,"end":17.015,"sentiment":"neutral","sentiment_score":0.2132977263795005},{"text":"No.","start":19.715,"end":20.115,"sentiment":"neutral","sentiment_score":-0.2668934762477875}],"sentiment":"neutral","sentiment_score":0.22138165405818394,"num_words":35,"start":9.04,"end":20.115},{"sentences":[{"text":"Not at all.","start":20.115,"end":20.914999,"sentiment":"neutral","sentiment_score":-0.3023669719696045},{"text":"Please do not think that in any way, shape, or form.","start":20.914999,"end":23.555,"sentiment":"neutral","sentiment_score":-0.31965022737329657},{"text":"60 is a great age.","start":23.555,"end":25.175,"sentiment":"neutral","sentiment_score":-0.023949313163757324},{"text":"I'm not.","start":28.849998,"end":29.49,"sentiment":"neutral","sentiment_score":-0.0984845906496048},{"text":"I can promise you I'm actually 41.","start":29.49,"end":31.91,"sentiment":"neutral","sentiment_score":-0.0652100598173482}],"sentiment":"neutral","sentiment_score":-0.18558712795908963,"num_words":28,"start":20.115,"end":31.91},{"sentences":[{"text":"So by no means, I I sound young.","start":31.97,"end":35.269997,"sentiment":"neutral","sentiment_score":-0.011210158467292786},{"text":"They're all good, Michael.","start":37.25,"end":38.37,"sentiment":"positive","sentiment_score":0.3386208117008209},{"text":"Is now still a good time for a bit of a chat and an update?","start":38.37,"end":41.11,"sentiment":"neutral","sentiment_score":0.1769941066702207},{"text":"Yep.","start":43.445,"end":43.945,"sentiment":"neutral","sentiment_score":0.20531147718429563},{"text":"Fantastic.","start":44.005,"end":44.505,"sentiment":"positive","sentiment_score":0.5355757474899292}],"sentiment":"neutral","sentiment_score":0.16071037254456816,"num_words":29,"start":31.97,"end":44.505},{"sentences":[{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":45.045,"end":49.305,"sentiment":"neutral","sentiment_score":0.20965372451714107},{"text":"Are you happy for me to proceed with that?","start":49.845,"end":52.105,"sentiment":"neutral","sentiment_score":0.19674398667282528},{"text":"Fantastic.","start":54.42,"end":54.92,"sentiment":"positive","sentiment_score":0.4181387722492218},{"text":"And just to do security there as well, we are discussing your personal information.","start":55.54,"end":59.16,"sentiment":"neutral","sentiment_score":0.19763723335095815},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":59.3,"end":63.64,"sentiment":"neutral","sentiment_score":0.1303833769190879}],"sentiment":"neutral","sentiment_score":0.18328083408149806,"num_words":66,"start":45.045,"end":63.64},{"sentences":[{"text":"Yep.","start":66.755,"end":67.255,"sentiment":"neutral","sentiment_score":0.018422452732920647},{"text":"Yep.","start":76.915,"end":77.235,"sentiment":"neutral","sentiment_score":0.05346972867846489},{"text":"That's the one.","start":77.235,"end":77.955,"sentiment":"neutral","sentiment_score":0.06913826366265614},{"text":"Yeah.","start":77.955,"end":78.354996,"sentiment":"neutral","sentiment_score":0.12730762362480164},{"text":"Perfect.","start":78.354996,"end":78.854996,"sentiment":"neutral","sentiment_score":0.2934504449367523}],"sentiment":"neutral","sentiment_score":0.100009291565844,"num_words":7,"start":66.755,"end":78.854996},{"sentences":[{"text":"Lovely.","start":79.64,"end":80.04,"sentiment":"neutral","sentiment_score":0.22296082973480225},{"text":"When did when did you move?","start":80.04,"end":81.58,"sentiment":"neutral","sentiment_score":0.060707587748765945},{"text":"Oh, fantastic.","start":85.24,"end":86.06,"sentiment":"neutral","sentiment_score":0.23498912155628204},{"text":"And how's it been going?","start":86.36,"end":87.56,"sentiment":"neutral","sentiment_score":0.14457809776067734},{"text":"Everything nice?","start":87.56,"end":88.44,"sentiment":"neutral","sentiment_score":0.21663587540388107}],"sentiment":"neutral","sentiment_score":0.13833417743444443,"num_words":16,"start":79.64,"end":88.44},{"sentences":[{"text":"Enjoy the new place?","start":88.44,"end":89.58,"sentiment":"neutral","sentiment_score":0.23524974286556244},{"text":"Oh, that's good.","start":91.975,"end":93.095,"sentiment":"neutral","sentiment_score":0.18250604967276254},{"text":"That's good.","start":93.095,"end":93.655,"sentiment":"neutral","sentiment_score":0.2097325697541237},{"text":"Are you sort of riding the hottest service?","start":93.655,"end":95.835,"sentiment":"neutral","sentiment_score":0.018533970811404288},{"text":"Is it quite busy where you are?","start":95.975,"end":97.595,"sentiment":"neutral","sentiment_score":-0.003960417849676949}],"sentiment":"neutral","sentiment_score":0.08452212923051168,"num_words":24,"start":88.44,"end":97.595},{"sentences":[{"text":"Yeah.","start":101.175,"end":101.494995,"sentiment":"neutral","sentiment_score":0.04883231222629547},{"text":"I do.","start":101.494995,"end":102.215,"sentiment":"neutral","sentiment_score":0.07129643484950066},{"text":"Wow.","start":102.215,"end":102.715,"sentiment":"neutral","sentiment_score":0.1758967638015747},{"text":"Very I mean, good position.","start":103.015,"end":104.715,"sentiment":"neutral","sentiment_score":0.2742501437664032},{"text":"Great location.","start":104.854996,"end":105.675,"sentiment":"positive","sentiment_score":0.4066293388605118}],"sentiment":"neutral","sentiment_score":0.2319846674799919,"num_words":11,"start":101.175,"end":105.675},{"sentences":[{"text":"Absolutely.","start":109.369995,"end":109.869995,"sentiment":"neutral","sentiment_score":0.24224409461021423},{"text":"All good.","start":111.369995,"end":112.189995,"sentiment":"neutral","sentiment_score":0.22438250482082367},{"text":"Oh, perfect.","start":113.77,"end":114.649994,"sentiment":"neutral","sentiment_score":0.2216542884707451},{"text":"Hi, Judith.","start":114.649994,"end":115.369995,"sentiment":"neutral","sentiment_score":0.1334395706653595},{"text":"How are you?","start":115.369995,"end":116.11,"sentiment":"neutral","sentiment_score":0.11295196165641148}],"sentiment":"neutral","sentiment_score":0.17400527074933053,"num_words":10,"start":109.369995,"end":116.11},{"sentences":[{"text":"That's good.","start":118.729996,"end":119.545,"sentiment":"neutral","sentiment_score":0.21974363178014755},{"text":"Now I know part of what you wanted to discuss today, Michael, was about you turning 60 moving forward there as well.","start":120.34499,"end":126.125,"sentiment":"neutral","sentiment_score":0.13386674123731526},{"text":"Is there anything else specifically that you wanted me to sort of talk about or touch on as part of the review when you're turning 60?","start":127.064995,"end":132.825,"sentiment":"neutral","sentiment_score":0.16312096898372358},{"text":"What's kind of the plan when you turn 60?","start":132.825,"end":134.56,"sentiment":"neutral","sentiment_score":0.09913565301232868},{"text":"Are you hoping to keep working or retire, or what's what's the plan moving forward so far for yourself?","start":134.56,"end":139.45999,"sentiment":"neutral","sentiment_score":0.13972734973618858}],"sentiment":"neutral","sentiment_score":0.14324027290328956,"num_words":78,"start":118.729996,"end":139.45999},{"sentences":[{"text":"Yep.","start":145.28,"end":145.78,"sentiment":"neutral","sentiment_score":0.0006827538600191474},{"text":"Access and money.","start":149.69499,"end":150.495,"sentiment":"neutral","sentiment_score":0.05560972665747007},{"text":"Yeah.","start":150.495,"end":150.89499,"sentiment":"positive","sentiment_score":0.487922728061676},{"text":"Perfect.","start":150.89499,"end":151.39499,"sentiment":"positive","sentiment_score":0.6837667226791382},{"text":"So, essentially, under the legislation, once you turn 60, you can access your full super, fully tax free as long as you are fully retired.","start":151.45499,"end":159.87,"sentiment":"positive","sentiment_score":0.42264739871025087}],"sentiment":"positive","sentiment_score":0.38404472104288756,"num_words":31,"start":145.28,"end":159.87},{"sentences":[{"text":"So if you plan to stop working with the intention of not going back to work, you can access all of your super.","start":160.11,"end":165.33,"sentiment":"neutral","sentiment_score":0.21064782563758933},{"text":"The alternative is we can do what's called a transition to retirement account where you can access up to 10% of the balance that is transferred into a pension account.","start":165.87,"end":176.325,"sentiment":"neutral","sentiment_score":0.15736224104960758},{"text":"We do have to leave at least 10,000 behind in a super account to accumulation phase, but you can access up to 10% of your balance that way as well.","start":176.94499,"end":186.72499,"sentiment":"neutral","sentiment_score":0.15878200257817904},{"text":"Is there a specific amount that you're sort of looking to try and access?","start":187.025,"end":190.84,"sentiment":"neutral","sentiment_score":0.054667435852544646},{"text":"Or yeah.","start":190.84,"end":197.23999,"sentiment":"neutral","sentiment_score":0.061331393197178834}],"sentiment":"neutral","sentiment_score":0.15370943623058725,"num_words":99,"start":160.11,"end":197.23999},{"sentences":[{"text":"Yeah.","start":197.23999,"end":197.64,"sentiment":"neutral","sentiment_score":0.23583188652992249},{"text":"Nice.","start":197.64,"end":198.14,"sentiment":"positive","sentiment_score":0.5665652751922607},{"text":"Nice.","start":198.43999,"end":198.92,"sentiment":"positive","sentiment_score":0.5318068861961365},{"text":"And how much do you think you might need for that?","start":198.92,"end":201.34,"sentiment":"neutral","sentiment_score":0.12329838899048892},{"text":"Yeah.","start":210.75499,"end":211.075,"sentiment":"neutral","sentiment_score":-0.006939206272363663}],"sentiment":"neutral","sentiment_score":0.17890314136942229,"num_words":15,"start":197.23999,"end":211.075},{"sentences":[{"text":"No.","start":211.075,"end":211.31499,"sentiment":"neutral","sentiment_score":-0.08646908402442932},{"text":"That's okay.","start":211.31499,"end":212.03499,"sentiment":"neutral","sentiment_score":0.028610733337700367},{"text":"So let's have a bit of a look at how your super is at the moment.","start":212.03499,"end":214.83499,"sentiment":"neutral","sentiment_score":0.0967676299624145},{"text":"So I do have actually, very close, honestly.","start":214.83499,"end":220.68,"sentiment":"neutral","sentiment_score":0.05344416806474328},{"text":"You've got a a balance at the moment of a 148,026 and 97¢ there.","start":220.81999,"end":226.81999,"sentiment":"neutral","sentiment_score":0.10956537780853418}],"sentiment":"neutral","sentiment_score":0.08427344295196235,"num_words":41,"start":211.075,"end":226.81999},{"sentences":[{"text":"So it has definitely gone up.","start":226.81999,"end":228.65999,"sentiment":"neutral","sentiment_score":0.2848761274168889},{"text":"When I have a look at the balance as of last year, this time last year, your balance then was a 124,004 83 and 58¢.","start":228.65999,"end":236.145,"sentiment":"neutral","sentiment_score":0.08223984017968178},{"text":"So your balance has definitely increased on last year, which is good.","start":236.145,"end":240.005,"sentiment":"positive","sentiment_score":0.6538431172569593},{"text":"When I have a look at the performance of the investments there as well, the net return, so after fees, Your portfolio has returned 11.47.","start":240.38501,"end":249.85999,"sentiment":"neutral","sentiment_score":0.2670928132534027},{"text":"So it is good you have seen that increase over the last twelve months.","start":249.85999,"end":253.79999,"sentiment":"positive","sentiment_score":0.6112745404243469}],"sentiment":"neutral","sentiment_score":0.33042338559473,"num_words":82,"start":226.81999,"end":253.79999},{"sentences":[{"text":"Earnings as a dollar figure, some people prefer a dollar figure over an as percentage.","start":254.5,"end":260.19498,"sentiment":"neutral","sentiment_score":0.1316466304163138},{"text":"I'm so sorry.","start":260.19498,"end":261.095,"sentiment":"neutral","sentiment_score":0.07377776751915614},{"text":"So the earnings as a dollar figure means that you've earned about 17,864 in growth plus income in the year.","start":261.79498,"end":269.155,"sentiment":"neutral","sentiment_score":0.22401151433587074},{"text":"So it is good.","start":269.155,"end":270.19498,"sentiment":"positive","sentiment_score":0.6368757337331772},{"text":"You are definitely seeing an increase from where you were last year.","start":270.19498,"end":273.39,"sentiment":"positive","sentiment_score":0.5405285134911537}],"sentiment":"neutral","sentiment_score":0.29092792856196564,"num_words":54,"start":254.5,"end":273.39},{"sentences":[{"text":"The portfolio has been working very nicely there.","start":273.87003,"end":276.61002,"sentiment":"positive","sentiment_score":0.667230449616909},{"text":"And even with what's been I know you probably heard what's been happening in the news globally with The US and the Iran war and the high interest rate here, so that all has had a bit of an up and down effect on the market this year, but you've come up with a positive return, so it is good to see.","start":276.83002,"end":290.555,"sentiment":"neutral","sentiment_score":0.20622578960272572},{"text":"I am I did have a bit of a look at your portfolio prior to you having the phone call with me today, and I can sort of see there that, obviously, you are, sorry, you are one of your investments has underperformed a little bit in the year as much as you've come out on top with a positive result.","start":291.495,"end":309.4,"sentiment":"neutral","sentiment_score":0.13796615093702175},{"text":"There is one of your investments that has been a bit down, a bit underperforming there, and that's the band along Australian equities portion of your portfolio.","start":309.86002,"end":317.615,"sentiment":"neutral","sentiment_score":-0.10412097887860404},{"text":"So when that was put in your portfolio originally, it was meant to be more of an actively managed fund.","start":317.75497,"end":323.675,"sentiment":"neutral","sentiment_score":-0.0028575630858540535}],"sentiment":"neutral","sentiment_score":0.13298516892147869,"num_words":178,"start":273.87003,"end":323.675},{"sentences":[{"text":"So the idea of that investment manager is they're trying to outperform against the market and get greater returns for you.","start":323.675,"end":330.57498,"sentiment":"neutral","sentiment_score":0.10109905969528925},{"text":"They're supposed to be buying and selling in a you know, picking the market, timing it, and picking investments that are valued low and trying to sell high and things like that.","start":330.92,"end":339.98,"sentiment":"neutral","sentiment_score":0.007694079773500562},{"text":"They haven't unfortunately been able to do that this year, and they've had some underlying issues there.","start":340.2,"end":344.84,"sentiment":"neutral","sentiment_score":-0.2572003646808512},{"text":"So it is one that I would like to maybe look at moving out.","start":344.84,"end":348.385,"sentiment":"neutral","sentiment_score":-0.06451073568314314},{"text":"But as a whole, if you're also looking to access some funds there, we might look at updating the advice and maybe looking at how how you can access those funds around December, what that looks like for your long term goals, and maybe look at updating the investments as a whole.","start":348.385,"end":363.74,"sentiment":"neutral","sentiment_score":0.11557794820803863}],"sentiment":"neutral","sentiment_score":0.022821967750239897,"num_words":136,"start":323.675,"end":363.74},{"sentences":[{"text":"Does that sound okay?","start":363.74,"end":364.69998,"sentiment":"neutral","sentiment_score":0.13643511198461056},{"text":"You'd like to maybe do that a whole advice piece there?","start":364.69998,"end":367.76,"sentiment":"neutral","sentiment_score":0.09003236517310143},{"text":"Yeah.","start":369.9,"end":370.4,"sentiment":"neutral","sentiment_score":0.14917093515396118},{"text":"Oh, good.","start":370.46,"end":371.19998,"sentiment":"neutral","sentiment_score":0.3133140057325363},{"text":"Do you happen to have access to your emails at the moment?","start":371.67502,"end":374.155,"sentiment":"neutral","sentiment_score":0.059539629922558866}],"sentiment":"neutral","sentiment_score":0.1008790323510766,"num_words":30,"start":363.74,"end":374.155},{"sentences":[{"text":"Are you currently driving or just not at your computer?","start":374.155,"end":376.89502,"sentiment":"neutral","sentiment_score":-0.026226265542209148},{"text":"Or oh.","start":376.95502,"end":380.815,"sentiment":"neutral","sentiment_score":-0.08060874044895172},{"text":"Oh, did you wanna find a shady spot?","start":381.035,"end":383.83502,"sentiment":"neutral","sentiment_score":-0.190617511048913},{"text":"I don't want you to sit in the sun.","start":383.83502,"end":385.535,"sentiment":"negative","sentiment_score":-0.43941998812887406},{"text":"You're okay?","start":386.23,"end":386.97,"sentiment":"neutral","sentiment_score":-0.0020156875252723694}],"sentiment":"neutral","sentiment_score":-0.19055585461037775,"num_words":31,"start":374.155,"end":386.97},{"sentences":[{"text":"Oh, beautiful.","start":389.27002,"end":390.17,"sentiment":"positive","sentiment_score":0.5696057677268982},{"text":"Beautiful.","start":390.31,"end":390.81,"sentiment":"positive","sentiment_score":0.6719720363616943},{"text":"All good.","start":390.87,"end":391.69,"sentiment":"positive","sentiment_score":0.5788281559944153},{"text":"So, look, if we are looking to maybe update the advice there and have a look at things, I would like to maybe look at removing that investment if it's viable to do so, look at maybe seeing how that tracks over the next sort of essentially six months towards December there.","start":392.15,"end":406.435,"sentiment":"neutral","sentiment_score":-0.025174476206302643},{"text":"And so you've mentioned that you're looking to maybe access about 80,000.","start":406.815,"end":410.655,"sentiment":"neutral","sentiment_score":0.052737369667738676}],"sentiment":"neutral","sentiment_score":0.033226312421586204,"num_words":69,"start":389.27002,"end":410.655},{"sentences":[{"text":"Is that right?","start":410.655,"end":411.63498,"sentiment":"neutral","sentiment_score":0.03075455067058404},{"text":"Okay.","start":414.35,"end":414.85,"sentiment":"neutral","sentiment_score":-0.05993352085351944},{"text":"Yeah.","start":422.43,"end":422.83002,"sentiment":"neutral","sentiment_score":-0.02488578669726849},{"text":"So, realistically, if we are you planning to maybe Mhmm.","start":422.83002,"end":440.08002,"sentiment":"neutral","sentiment_score":-0.07387156896293164},{"text":"Yeah.","start":442.54,"end":443.04,"sentiment":"neutral","sentiment_score":-0.035777609795331955}],"sentiment":"neutral","sentiment_score":-0.047940559685230255,"num_words":16,"start":410.655,"end":443.04},{"sentences":[{"text":"Yeah.","start":443.58002,"end":443.98,"sentiment":"neutral","sentiment_score":-0.025299537926912308},{"text":"So, look, essentially, for you to access your super, you just have the you have to have the intention to retire.","start":443.98,"end":449.02002,"sentiment":"neutral","sentiment_score":-0.01604203986270087},{"text":"So you'd be have to be willing to stop working with the intention of not going back to work again.","start":449.02002,"end":453.82,"sentiment":"neutral","sentiment_score":-0.22520783133804798},{"text":"However, if you then open a pension account and start accessing your super and then next week you find you have been offered a job and you wanna go back to work or say you are bored of retirement, there's absolutely nothing wrong with that.","start":453.82,"end":465.795,"sentiment":"neutral","sentiment_score":0.06262140497565269},{"text":"However, for me to be able to do the advice and to look at drawing out that kind of amount of money for you, it is essentially you saying, hey.","start":465.795,"end":474.49,"sentiment":"neutral","sentiment_score":0.1986309003084898}],"sentiment":"neutral","sentiment_score":0.033423514797901496,"num_words":117,"start":443.58002,"end":474.49},{"sentences":[{"text":"I'm planning to retire.","start":474.49,"end":475.71,"sentiment":"neutral","sentiment_score":0.048087522853165865},{"text":"I'm gonna be retired at this stage.","start":475.85,"end":477.77,"sentiment":"neutral","sentiment_score":-0.04885807181043284},{"text":"I'm not planning to go back to work.","start":477.77,"end":479.71,"sentiment":"neutral","sentiment_score":-0.19734302908182144},{"text":"After that time, if you then get a job, that's up to you.","start":479.85,"end":483.94498,"sentiment":"neutral","sentiment_score":0.04617366853814859},{"text":"But there's nothing to stop you.","start":484.32498,"end":485.525,"sentiment":"neutral","sentiment_score":0.09360828250646591}],"sentiment":"neutral","sentiment_score":-0.014907717312637129,"num_words":38,"start":474.49,"end":485.525},{"sentences":[{"text":"You don't have to stay retired.","start":485.525,"end":486.88498,"sentiment":"neutral","sentiment_score":0.1023751584192117},{"text":"Many retired people get bored and go back to work, and that's absolutely fine.","start":486.88498,"end":490.405,"sentiment":"neutral","sentiment_score":0.02785916413579668},{"text":"It's completely up to you.","start":490.405,"end":492.025,"sentiment":"neutral","sentiment_score":0.23527389764785767},{"text":"Yeah.","start":493.125,"end":493.60498,"sentiment":"neutral","sentiment_score":0.08411470800638199},{"text":"Is that kind of what beautiful.","start":493.60498,"end":498.82,"sentiment":"neutral","sentiment_score":0.13460368725160757}],"sentiment":"neutral","sentiment_score":0.09601204900536686,"num_words":32,"start":485.525,"end":498.82},{"sentences":[{"text":"Beautiful.","start":499.04,"end":499.44,"sentiment":"positive","sentiment_score":0.6038196086883545},{"text":"Did you want me to update the personal advice piece to factor in that withdrawal and then, obviously, the long term effect on your super and how we look at maybe building your balance back up, you know, after that?","start":499.44,"end":509.52002,"sentiment":"neutral","sentiment_score":0.13118737833574415},{"text":"Or, yep, that's okay.","start":509.52002,"end":515.215,"sentiment":"neutral","sentiment_score":0.09465287905186415},{"text":"Yeah.","start":515.515,"end":516.015,"sentiment":"neutral","sentiment_score":0.16957059502601624},{"text":"Yeah.","start":516.075,"end":516.315,"sentiment":"neutral","sentiment_score":0.19864627718925476}],"sentiment":"neutral","sentiment_score":0.1403860240540606,"num_words":47,"start":499.04,"end":516.315},{"sentences":[{"text":"That's okay.","start":516.315,"end":517.135,"sentiment":"neutral","sentiment_score":0.23905804008245468},{"text":"Not a problem.","start":517.35504,"end":518.175,"sentiment":"neutral","sentiment_score":0.261536826690038},{"text":"The others the other option is if you wanted to, you can do it as another, yeah, another side of things is I can just do the advice to sort of reflect the change in the investments now.","start":518.235,"end":528.74,"sentiment":"neutral","sentiment_score":0.12877854744070455},{"text":"And then when you turn 60, you can just call us, request the withdrawal as a transaction without seeking advice and just confirm that you have retired.","start":528.74,"end":537.16003,"sentiment":"neutral","sentiment_score":0.12548113338373326},{"text":"Did you want me to go down the personal advice route and do it as a whole document for you now, or did you wanna maybe look at just requesting a withdrawal in December and we just look at you you're super in kind of investment switching and things like that now?","start":537.565,"end":551.565,"sentiment":"neutral","sentiment_score":0.07692798456320396}],"sentiment":"neutral","sentiment_score":0.11102096034122295,"num_words":122,"start":516.315,"end":551.565},{"sentences":[{"text":"What would you like me to do?","start":551.565,"end":552.99,"sentiment":"neutral","sentiment_score":-0.0785977521112987},{"text":"Realistically, the advice document would be around because we have about six months, I could do the investment switch now, look at what we're projecting your super to be based on the growth over the next sort of six months.","start":556.99,"end":573.395,"sentiment":"neutral","sentiment_score":0.04308196911588311},{"text":"We could then look at, you know, you retiring and opening a pension, drawing the 100,000 down, but then I could not factor in any additional contributions after that because, essentially, you are retired.","start":574.09503,"end":588.2,"sentiment":"neutral","sentiment_score":0.023102371597333866},{"text":"But then again in December, we can always come back and do a new advice piece if you decide to go back to work after that point to then look at how to build your super back up again because you will still have money left in super by taking a $100 out.","start":588.82,"end":603.03503,"sentiment":"neutral","sentiment_score":0.06926259785047117},{"text":"You've got a 148 there now and six months of additional growth and income to to come as well plus contributions.","start":603.03503,"end":609.455,"sentiment":"neutral","sentiment_score":0.07995905194963727}],"sentiment":"neutral","sentiment_score":0.04715247039472865,"num_words":155,"start":551.565,"end":609.455},{"sentences":[{"text":"Would that be okay?","start":610.155,"end":611.29504,"sentiment":"neutral","sentiment_score":0.05054188799113035},{"text":"Yes?","start":611.64,"end":612.14,"sentiment":"neutral","sentiment_score":0.08901254087686539},{"text":"Beautiful.","start":614.60004,"end":615.0,"sentiment":"positive","sentiment_score":0.5424123406410217},{"text":"Look.","start":615.0,"end":615.24,"sentiment":"positive","sentiment_score":0.3560108542442322},{"text":"You are a client of ours.","start":615.24,"end":616.36,"sentiment":"neutral","sentiment_score":0.22600692013899484}],"sentiment":"neutral","sentiment_score":0.1958188314277392,"num_words":13,"start":610.155,"end":616.36},{"sentences":[{"text":"You pay the ongoing service fee, so I can do as many advice pieces as you want.","start":616.36,"end":620.86,"sentiment":"neutral","sentiment_score":0.19400354606263778},{"text":"But right now, it just sort of means that I can look at your investments, look at how best the structure is for you to help you work over the next six months.","start":621.4,"end":629.215,"sentiment":"neutral","sentiment_score":0.16410148798516302},{"text":"We factor in the withdrawal, what's expected after that withdrawal, and then we'll note in there that we'll meet again in December to look at what changes the circumstances are, and we'll keep the advice evolving from there.","start":629.215,"end":641.46,"sentiment":"neutral","sentiment_score":0.0881294054224303},{"text":"Does that sound okay with you?","start":641.46,"end":643.64,"sentiment":"neutral","sentiment_score":0.0990074301759402},{"text":"Yeah.","start":645.46,"end":645.94,"sentiment":"neutral","sentiment_score":0.22484135627746585}],"sentiment":"neutral","sentiment_score":0.13559171294695452,"num_words":95,"start":616.36,"end":645.94},{"sentences":[{"text":"Beautiful.","start":645.94,"end":646.44,"sentiment":"positive","sentiment_score":0.6127704381942749},{"text":"Excellent.","start":646.66003,"end":647.16003,"sentiment":"positive","sentiment_score":0.6067859530448914},{"text":"And you'd be comfortable yeah.","start":647.7,"end":649.46,"sentiment":"neutral","sentiment_score":0.24795535802841187},{"text":"You're right.","start":649.46,"end":649.94,"sentiment":"neutral","sentiment_score":0.2946797311306},{"text":"Go for it.","start":649.94,"end":650.42004,"sentiment":"neutral","sentiment_score":0.27936872839927673}],"sentiment":"neutral","sentiment_score":0.32389990240335464,"num_words":12,"start":645.94,"end":650.42004},{"sentences":[{"text":"Sorry.","start":650.42004,"end":650.92004,"sentiment":"neutral","sentiment_score":-0.08206336200237274},{"text":"So if you are it is.","start":656.355,"end":658.595,"sentiment":"neutral","sentiment_score":-0.018315096385776997},{"text":"If you are 60 and you have retired, you get access to the money tax free.","start":658.595,"end":662.915,"sentiment":"neutral","sentiment_score":0.01976763445418328},{"text":"Correct?","start":662.915,"end":663.415,"sentiment":"neutral","sentiment_score":0.04157567396759987},{"text":"Yeah.","start":665.64996,"end":665.89,"sentiment":"neutral","sentiment_score":0.19978377223014832}],"sentiment":"neutral","sentiment_score":0.014627506285905837,"num_words":25,"start":650.42004,"end":665.89},{"sentences":[{"text":"It's nice, isn't it?","start":665.89,"end":666.93,"sentiment":"neutral","sentiment_score":0.28274114057421684},{"text":"You've worked all this time, and you get a you get that money out tax free.","start":666.93,"end":670.23,"sentiment":"neutral","sentiment_score":0.1358673528302461},{"text":"Yep.","start":674.93,"end":675.43,"sentiment":"neutral","sentiment_score":0.016546670347452164},{"text":"Yeah.","start":676.29,"end":676.79,"sentiment":"neutral","sentiment_score":0.020484600216150284},{"text":"Yep.","start":676.93,"end":677.43,"sentiment":"neutral","sentiment_score":0.018044115975499153}],"sentiment":"neutral","sentiment_score":0.14608337365738724,"num_words":23,"start":665.89,"end":677.43},{"sentences":[{"text":"Yep.","start":677.585,"end":678.085,"sentiment":"neutral","sentiment_score":0.015170852653682232},{"text":"At 67?","start":681.505,"end":682.545,"sentiment":"neutral","sentiment_score":0.0006809462793171406},{"text":"Well, you're only 60 this year, so you do have essentially seven years until you're eligible for the age pension through Centrelink.","start":682.545,"end":688.245,"sentiment":"neutral","sentiment_score":0.020448706282133407},{"text":"But when you get to age seven, Centrelink look at your assets and liabilities at the time of your application.","start":688.865,"end":695.24,"sentiment":"neutral","sentiment_score":0.021143073774874212},{"text":"So if you have taken a 100,000 out of super at 60 and that money is gone, they're not gonna assess that.","start":695.45996,"end":704.125,"sentiment":"neutral","sentiment_score":-0.0339230207557028}],"sentiment":"neutral","sentiment_score":0.0021337209297205085,"num_words":67,"start":677.585,"end":704.125},{"sentences":[{"text":"So when you go to do the age pension application at 67, they wanna see what you have available to your super balance at age 67 plus any other your car, your boat, your caravan.","start":704.125,"end":716.465,"sentiment":"neutral","sentiment_score":0.059326250265751564},{"text":"They wanna see any investments you might have.","start":716.96,"end":718.72003,"sentiment":"neutral","sentiment_score":0.07776739681139588},{"text":"They'll look at your bank accounts.","start":718.72003,"end":720.0,"sentiment":"neutral","sentiment_score":0.07368013511101405},{"text":"They'll look at all the other things there.","start":720.0,"end":722.18,"sentiment":"neutral","sentiment_score":0.06624968629330397},{"text":"Your house is fully exempt as long as it's more under two two hectares, which in some products would absolutely be.","start":722.56,"end":731.06,"sentiment":"neutral","sentiment_score":0.2096462118483725}],"sentiment":"neutral","sentiment_score":0.10350264979001039,"num_words":78,"start":704.125,"end":731.06},{"sentences":[{"text":"So, yeah, essentially, it's not a problem on the age pension side of things at age 67.","start":732.125,"end":737.805,"sentiment":"neutral","sentiment_score":0.3255954165669048},{"text":"And when you get to that point, Michael, let me know.","start":737.805,"end":740.385,"sentiment":"neutral","sentiment_score":0.17269125716252762},{"text":"I can look at both yourself and Judith as a whole unit, and we can look at age pension eligibility.","start":740.60504,"end":745.34503,"sentiment":"neutral","sentiment_score":0.18176051005721092},{"text":"I do a lot of that here.","start":745.565,"end":747.025,"sentiment":"neutral","sentiment_score":0.20843272549765451},{"text":"So we can look at age pension eligibility, what that looks like for you, how that works, what super you guys have that we can maybe replenish for, because age pension isn't a lot of money.","start":747.22,"end":757.32,"sentiment":"neutral","sentiment_score":0.11871490311912364}],"sentiment":"neutral","sentiment_score":0.1846450736521037,"num_words":91,"start":732.125,"end":757.32},{"sentences":[{"text":"It doesn't really cover everything we need.","start":757.7,"end":760.74,"sentiment":"neutral","sentiment_score":0.04521196162594216},{"text":"So having a little bit of super there to sort of back you up and and provide some additional support isn't a bad thing, but I do a lot of that advice here as well and can absolutely help you along that way.","start":760.74,"end":770.875,"sentiment":"positive","sentiment_score":0.46297869744688963},{"text":"But no.","start":773.91,"end":784.97,"sentiment":"neutral","sentiment_score":-0.03538559004664421},{"text":"No.","start":785.26996,"end":785.76996,"sentiment":"neutral","sentiment_score":-0.04331466555595398},{"text":"But when they receive the funds, if they invest the money or if they put the money into a bank account and earn income, they pay tax on what they do with the funds.","start":785.91,"end":796.505,"sentiment":"neutral","sentiment_score":-0.016961700282990932}],"sentiment":"neutral","sentiment_score":0.22452625363594156,"num_words":87,"start":757.7,"end":796.505},{"sentences":[{"text":"Yeah.","start":796.645,"end":797.145,"sentiment":"neutral","sentiment_score":0.1015222668647766},{"text":"But, essentially, yeah, that's okay.","start":797.525,"end":799.54,"sentiment":"neutral","sentiment_score":0.10428904592990876},{"text":"So with gifting, it's really also important to know that Centrelink has certain rules around gifting.","start":799.54,"end":804.57996,"sentiment":"neutral","sentiment_score":0.04045535624027252},{"text":"So under the Centrelink rules, if you are going to gift anything, they have a five year rule.","start":804.57996,"end":809.86,"sentiment":"neutral","sentiment_score":0.02390414212519924},{"text":"So gifting before, essentially, the age of 62 is preferable because any gifting between 62 to 67, they're gonna ask you in the application, have you gifted any money?","start":809.86,"end":820.895,"sentiment":"neutral","sentiment_score":0.023848253976682138}],"sentiment":"neutral","sentiment_score":0.03466850898458042,"num_words":69,"start":796.645,"end":820.895},{"sentences":[{"text":"And they have gifting rules.","start":821.35504,"end":822.79504,"sentiment":"neutral","sentiment_score":0.01882512290030718},{"text":"So, essentially, under their rules, you can gift up to 10,000 per year or 30,000 over a five year period, but no more than 10,000 per year.","start":822.79504,"end":833.59,"sentiment":"neutral","sentiment_score":0.021549580825699702},{"text":"So as an example, over five years, if you wanted to give your three kids $30,000, say 10,000 each, you would have to do 10,000 increments each financial year.","start":833.59,"end":844.245,"sentiment":"neutral","sentiment_score":0.021266108828371967},{"text":"But over five years, you can't go over that $30,000 mark.","start":844.545,"end":848.485,"sentiment":"neutral","sentiment_score":-0.05612460202114149},{"text":"If you do, Centrelink assess you as having that that extra money over the the threshold of 30,000.","start":848.865,"end":855.58,"sentiment":"neutral","sentiment_score":0.055417866756518684}],"sentiment":"neutral","sentiment_score":0.01858702702447772,"num_words":90,"start":821.35504,"end":855.58},{"sentences":[{"text":"They assess you with still having that money, and it accounts to and can reduce your pension payments.","start":855.8,"end":861.4,"sentiment":"neutral","sentiment_score":0.07318428593377273},{"text":"So even though you don't have that money left, they still assess you with holding it, essentially.","start":861.4,"end":866.06,"sentiment":"neutral","sentiment_score":-0.04544354654739008},{"text":"Yeah.","start":866.36,"end":866.86,"sentiment":"neutral","sentiment_score":0.055371031165122986},{"text":"That's all good.","start":868.455,"end":869.435,"sentiment":"positive","sentiment_score":0.47848063707351685},{"text":"That's alright.","start":869.495,"end":870.395,"sentiment":"neutral","sentiment_score":0.23861438781023026}],"sentiment":"neutral","sentiment_score":0.06128825789044907,"num_words":41,"start":855.8,"end":870.395},{"sentences":[{"text":"There's a lot of rules involved there, isn't it?","start":872.055,"end":874.635,"sentiment":"neutral","sentiment_score":-0.09824684179491466},{"text":"No.","start":878.055,"end":878.555,"sentiment":"neutral","sentiment_score":-0.22332218289375305},{"text":"Yeah.","start":883.27,"end":883.67004,"sentiment":"neutral","sentiment_score":-0.029475321993231773},{"text":"Oh, I know.","start":883.67004,"end":884.55005,"sentiment":"neutral","sentiment_score":0.027710412939389546},{"text":"Well, absolutely.","start":884.55005,"end":886.57,"sentiment":"neutral","sentiment_score":0.08951546624302864}],"sentiment":"neutral","sentiment_score":-0.05467855685856193,"num_words":16,"start":872.055,"end":886.57},{"sentences":[{"text":"Yeah.","start":887.59,"end":888.09,"sentiment":"neutral","sentiment_score":0.10538619011640547},{"text":"Alright.","start":888.71,"end":889.03,"sentiment":"neutral","sentiment_score":0.3132808208465576},{"text":"All good.","start":889.03,"end":889.51,"sentiment":"positive","sentiment_score":0.5311787277460098},{"text":"Well, you guys you guys are welcome to ask any questions you have, especially around that side of thing there too, Drew.","start":889.51,"end":894.935,"sentiment":"neutral","sentiment_score":0.2797690413214944},{"text":"If there's anything that you're after no.","start":894.935,"end":896.855,"sentiment":"neutral","sentiment_score":0.08625736832618713}],"sentiment":"neutral","sentiment_score":0.24968924102458087,"num_words":33,"start":887.59,"end":896.855},{"sentences":[{"text":"Your annual review is coming up shortly as well.","start":896.855,"end":898.935,"sentiment":"neutral","sentiment_score":0.141924649477005},{"text":"So I definitely wanna have a look at it where everything's going for yourself and maybe look at any advice that we need to update for you as well.","start":898.935,"end":905.595,"sentiment":"neutral","sentiment_score":0.24937742620963474},{"text":"But, yeah, realistically, if even if you have any questions about ScentLink, you hear anything that you're concerned about, give me a call or send an email or ring us, and my team will book you in, or they'll get me to send an email, whatever you're preferable, that you're welcome to ask those sorts of questions because there's a lot of information out there.","start":906.2,"end":922.73505,"sentiment":"neutral","sentiment_score":0.145536486689861},{"text":"A lot of it's a lot of hard to decipher, and Centrelink is just difficult to talk to as a whole.","start":922.73505,"end":928.03503,"sentiment":"neutral","sentiment_score":-0.15759686424973465},{"text":"So having people here like us to be able to help you with that is absolutely my area.","start":928.41504,"end":933.075,"sentiment":"neutral","sentiment_score":0.2494694437417719}],"sentiment":"neutral","sentiment_score":0.13485953998817524,"num_words":142,"start":896.855,"end":933.075},{"sentences":[{"text":"Okay?","start":933.29504,"end":933.79504,"sentiment":"neutral","sentiment_score":0.1060953140258789},{"text":"Yep.","start":942.0,"end":942.5,"sentiment":"neutral","sentiment_score":0.043923042714595795},{"text":"So what we will essentially do as part of the advice, if you like, I will set it up that in as part of the advice, we'll look at the investments, look at growing your super over the next six months, and then consider in the withdrawal out.","start":946.975,"end":957.955,"sentiment":"neutral","sentiment_score":0.11214710058023532},{"text":"With the withdrawal, because I'll add it into the advice piece, which will just take me a couple of weeks to get sorted, and I'll let my team will book you back and negotiate that together so you and I can see it.","start":959.375,"end":969.4,"sentiment":"neutral","sentiment_score":0.10923329056348911},{"text":"But what'll happen is my team will put a little calendar invite in mine and their calendar, and they'll give you a call.","start":969.46,"end":975.905,"sentiment":"neutral","sentiment_score":0.08489926094594209}],"sentiment":"neutral","sentiment_score":0.10502408345326267,"num_words":116,"start":933.29504,"end":975.905},{"sentences":[{"text":"We can do it, say, a week out from when you turn 60.","start":976.445,"end":979.905,"sentiment":"neutral","sentiment_score":0.07939893179214917},{"text":"You just need to confirm that you have retired because they're gonna ask you to confirm your last day of work and your site use December 15.","start":979.965,"end":989.6,"sentiment":"neutral","sentiment_score":0.0591055692208034},{"text":"Beautiful.","start":989.74,"end":990.24,"sentiment":"positive","sentiment_score":0.5543357133865356},{"text":"Lovely.","start":992.13995,"end":992.54,"sentiment":"positive","sentiment_score":0.6240403652191162},{"text":"It says you would just have to sign a form and a declaration to confirm that you are retired as of the December 15.","start":992.54,"end":998.72,"sentiment":"neutral","sentiment_score":0.19999773520976305}],"sentiment":"neutral","sentiment_score":0.13039936675605449,"num_words":66,"start":976.445,"end":998.72},{"sentences":[{"text":"On the fifteenth, if you're comfortable sorry.","start":999.1,"end":1002.055,"sentiment":"neutral","sentiment_score":0.016152007638343742},{"text":"You're right.","start":1002.055,"end":1002.795,"sentiment":"neutral","sentiment_score":0.024814391508698463},{"text":"No.","start":1006.375,"end":1006.775,"sentiment":"neutral","sentiment_score":-0.08335365355014801},{"text":"It's it's just a declaration that we get for you from your super fund.","start":1006.775,"end":1010.215,"sentiment":"neutral","sentiment_score":0.03283552160220487},{"text":"Yeah.","start":1010.215,"end":1010.375,"sentiment":"neutral","sentiment_score":-0.01995325088500977}],"sentiment":"neutral","sentiment_score":0.02076332937926054,"num_words":25,"start":999.1,"end":1010.375},{"sentences":[{"text":"It's just taking a yep.","start":1010.375,"end":1012.855,"sentiment":"neutral","sentiment_score":0.04212490599602461},{"text":"We'll send it out to you.","start":1012.855,"end":1014.055,"sentiment":"neutral","sentiment_score":0.2747185528278351},{"text":"Are you happy with us sending to you on the fifteenth on your birthday, or would you like it the next day maybe?","start":1014.055,"end":1019.81,"sentiment":"neutral","sentiment_score":0.24010753372441168},{"text":"We can, but it can't be signed until the actual day.","start":1023.31,"end":1026.4299,"sentiment":"neutral","sentiment_score":-0.14977363700216467},{"text":"So the other side of it, yeah, so it has to be signed on the fifteenth.","start":1026.4299,"end":1030.415,"sentiment":"neutral","sentiment_score":-0.23053484875708818}],"sentiment":"neutral","sentiment_score":0.033530189106088196,"num_words":61,"start":1010.375,"end":1030.415},{"sentences":[{"text":"So I'd be more it'd probably be better.","start":1030.415,"end":1032.255,"sentiment":"neutral","sentiment_score":-0.27012600004673004},{"text":"We can have it done up ready to go the day before, but we send it to you on the morning at the fifteenth.","start":1032.255,"end":1036.675,"sentiment":"neutral","sentiment_score":0.03588327493829032},{"text":"My team can give you a call, say happy birthday.","start":1036.9751,"end":1039.3151,"sentiment":"neutral","sentiment_score":0.3006009981036186},{"text":"Welcome to sixty, Michael.","start":1039.6151,"end":1041.155,"sentiment":"positive","sentiment_score":0.38193637877702713},{"text":"Sign that box for us.","start":1041.55,"end":1043.17,"sentiment":"positive","sentiment_score":0.34013367891311647}],"sentiment":"neutral","sentiment_score":0.0967571468402942,"num_words":51,"start":1030.415,"end":1043.17},{"sentences":[{"text":"And then when that comes back, we can have that put in place.","start":1043.31,"end":1046.03,"sentiment":"neutral","sentiment_score":0.2952207109102836},{"text":"It does take the super fund a couple of days to have everything set up and the withdrawal completed for you.","start":1046.03,"end":1052.6901,"sentiment":"neutral","sentiment_score":0.2791902387426013},{"text":"But we can definitely work to do that.","start":1053.15,"end":1055.005,"sentiment":"positive","sentiment_score":0.3850501887500286},{"text":"We do go on leave around about the twentieth, and I'll double check the dates.","start":1055.005,"end":1059.245,"sentiment":"neutral","sentiment_score":0.19047283232212067},{"text":"But we'll work with you to make sure that withdrawal is processed as quickly as possible before we leave for the Christmas break so you can get those funds out.","start":1059.245,"end":1067.325,"sentiment":"neutral","sentiment_score":0.1800914170841376}],"sentiment":"neutral","sentiment_score":0.24185173290556874,"num_words":87,"start":1043.31,"end":1067.325},{"sentences":[{"text":"Okay?","start":1067.325,"end":1067.825,"sentiment":"neutral","sentiment_score":0.13233578205108645},{"text":"Yeah.","start":1069.92,"end":1070.42,"sentiment":"neutral","sentiment_score":0.3198443353176117},{"text":"That's okay.","start":1071.2,"end":1072.1,"sentiment":"neutral","sentiment_score":0.2663135379552841},{"text":"But, yeah, because I'm putting it in the advice piece and we're factoring that in for you, that essentially we'll we'll organize and give you a call on the day.","start":1072.16,"end":1080.32,"sentiment":"neutral","sentiment_score":0.222121158738931},{"text":"We'll organize the forms.","start":1080.32,"end":1081.6,"sentiment":"neutral","sentiment_score":0.16283473744988441}],"sentiment":"neutral","sentiment_score":0.21841528698017723,"num_words":38,"start":1067.325,"end":1081.6},{"sentences":[{"text":"You've just gotta be comfortable signing them.","start":1081.6,"end":1083.825,"sentiment":"neutral","sentiment_score":0.12816716411284038},{"text":"And, yes, just comfortable with the declaration.","start":1084.3049,"end":1086.1649,"sentiment":"neutral","sentiment_score":0.1930030243737357},{"text":"We'll essentially be ticking a box and say you're 60 and fully retired.","start":1086.225,"end":1089.4249,"sentiment":"neutral","sentiment_score":0.20005496190144464},{"text":"It'll last for your last day of work, which realistically yeah.","start":1089.4249,"end":1095.105,"sentiment":"neutral","sentiment_score":0.15398504788225348},{"text":"You're just you're happy with the fifteenth as your last day of work.","start":1095.105,"end":1097.825,"sentiment":"neutral","sentiment_score":0.272410050034523}],"sentiment":"neutral","sentiment_score":0.197726901985851,"num_words":51,"start":1081.6,"end":1097.825},{"sentences":[{"text":"That's or do you wanna take the day your birthday off and have maybe the day before off?","start":1097.825,"end":1102.3201,"sentiment":"neutral","sentiment_score":0.09250241559412745},{"text":"The fifteenth is a month the fifteenth is a yeah.","start":1104.54,"end":1108.06,"sentiment":"neutral","sentiment_score":0.03317471947520971},{"text":"I think it is a Tuesday.","start":1108.06,"end":1109.3601,"sentiment":"neutral","sentiment_score":0.01899991448347767},{"text":"Yeah.","start":1109.8201,"end":1110.3201,"sentiment":"neutral","sentiment_score":0.032054245471954346},{"text":"Did you wanna retire maybe this Friday?","start":1110.6201,"end":1112.8,"sentiment":"neutral","sentiment_score":0.008009208499320917}],"sentiment":"neutral","sentiment_score":0.05235497303129662,"num_words":42,"start":1097.825,"end":1112.8},{"sentences":[{"text":"Perfect.","start":1117.895,"end":1118.395,"sentiment":"positive","sentiment_score":0.3722388446331024},{"text":"So we'll put down that the fifteenth is your last day of work, and that'll be submitted.","start":1118.455,"end":1122.715,"sentiment":"neutral","sentiment_score":0.06674748198950992},{"text":"Beautiful.","start":1123.4149,"end":1123.9149,"sentiment":"positive","sentiment_score":0.5477560758590698},{"text":"The super Yep.","start":1124.775,"end":1130.01,"sentiment":"neutral","sentiment_score":0.18359850098689398},{"text":"Yeah.","start":1133.4299,"end":1133.83,"sentiment":"neutral","sentiment_score":0.09787864983081818}],"sentiment":"neutral","sentiment_score":0.11753809856979744,"num_words":23,"start":1117.895,"end":1133.83},{"sentences":[{"text":"That's okay.","start":1133.83,"end":1134.47,"sentiment":"neutral","sentiment_score":0.12886175513267517},{"text":"What kind of car are you planning on getting?","start":1134.47,"end":1136.41,"sentiment":"neutral","sentiment_score":0.035135838927494153},{"text":"Yep.","start":1141.845,"end":1142.345,"sentiment":"neutral","sentiment_score":0.06843048334121704},{"text":"Yeah.","start":1146.085,"end":1146.585,"sentiment":"neutral","sentiment_score":0.12348535656929016},{"text":"Yep.","start":1146.645,"end":1147.145,"sentiment":"neutral","sentiment_score":0.15783289074897766}],"sentiment":"neutral","sentiment_score":0.06597819937659162,"num_words":14,"start":1133.83,"end":1147.145},{"sentences":[{"text":"That's okay.","start":1147.205,"end":1148.025,"sentiment":"neutral","sentiment_score":0.24208389967679977},{"text":"What I will do as part of the research is I will just confirm with Hub twenty four, they're happy with you retiring on your birthday.","start":1148.245,"end":1154.5801,"sentiment":"neutral","sentiment_score":0.2747800854536203},{"text":"They might sort of ask if you can maybe retire the day before, say, the fourteenth.","start":1154.5801,"end":1158.52,"sentiment":"neutral","sentiment_score":0.08419886464253068},{"text":"That way, we're submitting the form and you have retired.","start":1159.14,"end":1161.78,"sentiment":"neutral","sentiment_score":0.15282695665955542},{"text":"Would you be comfortable doing it that way?","start":1161.78,"end":1163.78,"sentiment":"neutral","sentiment_score":0.10154794529080391}],"sentiment":"neutral","sentiment_score":0.18252072555403556,"num_words":62,"start":1147.205,"end":1163.78},{"sentences":[{"text":"Would you be comfortable finishing one day earlier maybe?","start":1163.78,"end":1166.6001,"sentiment":"neutral","sentiment_score":0.032111380663183},{"text":"Oh, you can have a long weekend.","start":1174.3251,"end":1175.9451,"sentiment":"neutral","sentiment_score":0.07763280719518661},{"text":"The Thursday is alright.","start":1176.885,"end":1184.47,"sentiment":"neutral","sentiment_score":0.06538223475217819},{"text":"Perfect.","start":1184.5299,"end":1184.9299,"sentiment":"neutral","sentiment_score":0.32005035877227783},{"text":"So we'll make it the Thursday, the tenth for you.","start":1184.9299,"end":1187.49,"sentiment":"neutral","sentiment_score":0.1863836959004402}],"sentiment":"neutral","sentiment_score":0.10573704300388213,"num_words":31,"start":1163.78,"end":1187.49},{"sentences":[{"text":"Excellent.","start":1187.49,"end":1187.99,"sentiment":"positive","sentiment_score":0.3991834819316864},{"text":"So on the fifteenth, we'll give you a birthday call.","start":1188.21,"end":1190.9299,"sentiment":"neutral","sentiment_score":0.2195289358496666},{"text":"Say happy birthday.","start":1190.9299,"end":1191.89,"sentiment":"neutral","sentiment_score":0.2555182526508967},{"text":"Get that form sent out.","start":1191.89,"end":1193.385,"sentiment":"neutral","sentiment_score":0.2288830906152725},{"text":"We'll pre tick the box and say that you're gonna you're gonna retire on the December 10 this year, and you'll just need to let your employer know so they're aware that you are retiring.","start":1193.545,"end":1203.5651,"sentiment":"neutral","sentiment_score":0.13461214836154664}],"sentiment":"neutral","sentiment_score":0.17068274526132476,"num_words":54,"start":1187.49,"end":1203.5651},{"sentences":[{"text":"Okay?","start":1203.865,"end":1204.365,"sentiment":"neutral","sentiment_score":0.09672529995441435},{"text":"Yeah.","start":1204.905,"end":1205.405,"sentiment":"neutral","sentiment_score":0.17568334937095642},{"text":"Oh, look.","start":1206.57,"end":1207.45,"sentiment":"positive","sentiment_score":0.4149329513311386},{"text":"It is really exciting.","start":1207.45,"end":1208.73,"sentiment":"positive","sentiment_score":0.6827832162380219},{"text":"I'm glad you're not having to work on your birthday.","start":1208.73,"end":1210.99,"sentiment":"positive","sentiment_score":0.4969703212380409}],"sentiment":"positive","sentiment_score":0.48906170162889695,"num_words":18,"start":1203.865,"end":1210.99},{"sentences":[{"text":"Like, you you should be able to enjoy that day.","start":1211.0499,"end":1213.37,"sentiment":"positive","sentiment_score":0.5955858409404755},{"text":"'60 is a good thing.","start":1213.37,"end":1214.75,"sentiment":"positive","sentiment_score":0.5786929070949555},{"text":"Why why start now?","start":1218.745,"end":1221.165,"sentiment":"neutral","sentiment_score":-0.02812305185943842},{"text":"Yeah.","start":1225.145,"end":1225.645,"sentiment":"neutral","sentiment_score":0.06837577372789383},{"text":"Yeah.","start":1233.72,"end":1234.22,"sentiment":"neutral","sentiment_score":0.02414609119296074}],"sentiment":"positive","sentiment_score":0.42044536201726823,"num_words":21,"start":1211.0499,"end":1234.22},{"sentences":[{"text":"Yeah.","start":1236.6,"end":1237.1,"sentiment":"neutral","sentiment_score":0.0016792835667729378},{"text":"Yep.","start":1246.375,"end":1246.875,"sentiment":"neutral","sentiment_score":0.0425526462495327},{"text":"Yeah.","start":1247.175,"end":1247.675,"sentiment":"neutral","sentiment_score":0.012142550200223924},{"text":"No.","start":1247.735,"end":1248.055,"sentiment":"neutral","sentiment_score":-0.008198011666536331},{"text":"Absolutely 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congratulations.","start":1272.805,"end":1274.505,"sentiment":"neutral","sentiment_score":0.3020388185977936},{"text":"That'll be fantastic.","start":1275.045,"end":1276.265,"sentiment":"positive","sentiment_score":0.5888392130533854},{"text":"What a year, honestly.","start":1276.405,"end":1278.025,"sentiment":"neutral","sentiment_score":0.18360245507210493}],"sentiment":"neutral","sentiment_score":0.27926917594264855,"num_words":11,"start":1269.125,"end":1278.025},{"sentences":[{"text":"And you will have retired just in time to go and spend some quality time with your new grandson, enjoy your new car and day trip, and then you decide what you wanna do moving forward.","start":1287.47,"end":1297.225,"sentiment":"neutral","sentiment_score":0.17341609319878948},{"text":"That's fantastic.","start":1297.225,"end":1298.0449,"sentiment":"positive","sentiment_score":0.6265450417995453},{"text":"I'm yeah.","start":1300.5049,"end":1302.605,"sentiment":"neutral","sentiment_score":0.022708055563271046},{"text":"Yeah.","start":1304.2001,"end":1304.4401,"sentiment":"neutral","sentiment_score":0.026689939200878143},{"text":"Look.","start":1304.4401,"end":1304.76,"sentiment":"neutral","sentiment_score":0.01081440318375826}],"sentiment":"neutral","sentiment_score":0.18045214029206408,"num_words":42,"start":1287.47,"end":1304.76},{"sentences":[{"text":"I'm a little bit jealous.","start":1304.76,"end":1305.88,"sentiment":"neutral","sentiment_score":-0.30199999511241915},{"text":"As I said, I'm 41, so not really a spring chicken.","start":1305.88,"end":1308.92,"sentiment":"neutral","sentiment_score":-0.11175269396467642},{"text":"But, look, I would love to be 60 right now and and give retirement a go.","start":1308.92,"end":1312.8401,"sentiment":"neutral","sentiment_score":0.3158838062081486},{"text":"It sounds fun.","start":1312.8401,"end":1313.8201,"sentiment":"positive","sentiment_score":0.45819522937138873},{"text":"That's okay.","start":1318.415,"end":1319.135,"sentiment":"positive","sentiment_score":0.48075419664382935}],"sentiment":"neutral","sentiment_score":0.1257014965286126,"num_words":37,"start":1304.76,"end":1319.135},{"sentences":[{"text":"That's not a problem at all.","start":1319.135,"end":1320.675,"sentiment":"positive","sentiment_score":0.35288389027118683},{"text":"So because I'm just gonna update the advice, I'm just gonna go through and just update some other circumstances here there for you, Michael.","start":1320.735,"end":1326.675,"sentiment":"neutral","sentiment_score":0.1566987627496322},{"text":"Now at the moment, your income, I've got you earning about 51,000 per annum.","start":1326.975,"end":1331.4551,"sentiment":"neutral","sentiment_score":0.055458024676357},{"text":"Is that still correct, and is that the income expected until December?","start":1331.4551,"end":1334.86,"sentiment":"neutral","sentiment_score":0.05106392658005158},{"text":"Oh, wow.","start":1346.4551,"end":1348.0751,"sentiment":"neutral","sentiment_score":-0.040364284068346024}],"sentiment":"neutral","sentiment_score":0.12390559558467619,"num_words":58,"start":1319.135,"end":1348.0751},{"sentences":[{"text":"Yeah.","start":1356.4701,"end":1356.9701,"sentiment":"neutral","sentiment_score":-0.0726437196135521},{"text":"Alright.","start":1361.11,"end":1361.61,"sentiment":"neutral","sentiment_score":-0.05983121320605278},{"text":"Yeah.","start":1363.35,"end":1363.85,"sentiment":"neutral","sentiment_score":-0.01602625474333763},{"text":"Yeah.","start":1374.005,"end":1374.505,"sentiment":"neutral","sentiment_score":-0.002137390896677971},{"text":"Yes.","start":1383.86,"end":1384.36,"sentiment":"neutral","sentiment_score":0.046809278428554535}],"sentiment":"neutral","sentiment_score":-0.020765860006213187,"num_words":5,"start":1356.4701,"end":1384.36},{"sentences":[{"text":"Helpful.","start":1384.82,"end":1385.32,"sentiment":"neutral","sentiment_score":-0.02138398215174675},{"text":"Income.","start":1387.2999,"end":1387.7999,"sentiment":"neutral","sentiment_score":-0.0051038870587944984},{"text":"Yeah.","start":1389.46,"end":1389.94,"sentiment":"neutral","sentiment_score":0.07009121775627136},{"text":"Absolutely.","start":1389.94,"end":1390.44,"sentiment":"neutral","sentiment_score":0.1539829969406128},{"text":"Yeah.","start":1391.0599,"end":1391.3799,"sentiment":"neutral","sentiment_score":0.07857070863246918}],"sentiment":"neutral","sentiment_score":0.055231410823762414,"num_words":5,"start":1384.82,"end":1391.3799},{"sentences":[{"text":"No.","start":1391.3799,"end":1391.7,"sentiment":"neutral","sentiment_score":0.059001632034778595},{"text":"Absolutely.","start":1391.7,"end":1392.2,"sentiment":"neutral","sentiment_score":0.1204482838511467},{"text":"Perfect.","start":1392.6599,"end":1393.1599,"sentiment":"neutral","sentiment_score":0.2590879499912262},{"text":"So at the moment, are you happy with me keeping your income at that $51,000 mark for the plan to to factor in contributions?","start":1393.695,"end":1400.195,"sentiment":"neutral","sentiment_score":0.1325038455737134},{"text":"Yep.","start":1400.6549,"end":1400.8949,"sentiment":"neutral","sentiment_score":0.12612436711788175}],"sentiment":"neutral","sentiment_score":0.1337412330987198,"num_words":28,"start":1391.3799,"end":1400.8949},{"sentences":[{"text":"Beautiful.","start":1400.8949,"end":1401.215,"sentiment":"positive","sentiment_score":0.4095302820205689},{"text":"And your salary sacrificing as well, it looks like about $80 per fortnight.","start":1401.215,"end":1405.215,"sentiment":"neutral","sentiment_score":-0.03571999431229555},{"text":"Is that right?","start":1405.215,"end":1406.115,"sentiment":"neutral","sentiment_score":0.011328579237063726},{"text":"Yep.","start":1407.0,"end":1407.5,"sentiment":"neutral","sentiment_score":0.19419145584106445},{"text":"Beautiful.","start":1407.72,"end":1408.22,"sentiment":"positive","sentiment_score":0.5599059462547302}],"sentiment":"neutral","sentiment_score":0.03859228925093224,"num_words":19,"start":1400.8949,"end":1408.22},{"sentences":[{"text":"And that's gonna continue forward until December when you retire?","start":1408.28,"end":1411.5,"sentiment":"neutral","sentiment_score":0.17574919164180755},{"text":"Yep.","start":1413.3201,"end":1413.72,"sentiment":"neutral","sentiment_score":0.18206654489040375},{"text":"Beautiful.","start":1413.72,"end":1414.22,"sentiment":"positive","sentiment_score":0.5585989952087402},{"text":"I'm just popping that in here for you.","start":1414.4401,"end":1416.36,"sentiment":"positive","sentiment_score":0.4029757231473923},{"text":"Excellent.","start":1416.36,"end":1416.86,"sentiment":"positive","sentiment_score":0.6581364274024963}],"sentiment":"neutral","sentiment_score":0.30381426995708827,"num_words":21,"start":1408.28,"end":1416.86},{"sentences":[{"text":"That's per fortnight.","start":1417.3201,"end":1418.22,"sentiment":"positive","sentiment_score":0.44605783621470135},{"text":"Lovely.","start":1419.4,"end":1419.9,"sentiment":"positive","sentiment_score":0.5884102582931519},{"text":"I've got down here, obviously, silly questions to ask, but I've got Judith, you're next of kin.","start":1420.52,"end":1426.455,"sentiment":"neutral","sentiment_score":0.1887801631408579},{"text":"And I've got confirmed beneficiaries in the event of something happening and you passing, you want everything to be paid to Judith.","start":1426.835,"end":1433.095,"sentiment":"neutral","sentiment_score":0.17728802155364642},{"text":"Yeah.","start":1434.77,"end":1435.1699,"sentiment":"neutral","sentiment_score":0.22551602125167847}],"sentiment":"neutral","sentiment_score":0.2104931599037214,"num_words":44,"start":1417.3201,"end":1435.1699},{"sentences":[{"text":"Beautiful.","start":1435.1699,"end":1435.6699,"sentiment":"positive","sentiment_score":0.5057929158210754},{"text":"Beautiful.","start":1435.8099,"end":1436.2899,"sentiment":"positive","sentiment_score":0.5397882461547852},{"text":"I don't wanna cause divorce court or anything, but just need to confirm those things for you.","start":1436.2899,"end":1440.87,"sentiment":"neutral","sentiment_score":0.221504506381119},{"text":"I can see your I can see your employer contributions coming in, so I can see where they're coming from, which is absolutely fantastic.","start":1441.57,"end":1447.51,"sentiment":"positive","sentiment_score":0.5012679261465868},{"text":"Looking at your assets and liabilities now.","start":1449.665,"end":1451.905,"sentiment":"neutral","sentiment_score":0.13788271801812307}],"sentiment":"positive","sentiment_score":0.3561353404819965,"num_words":50,"start":1435.1699,"end":1451.905},{"sentences":[{"text":"Now where you are, the money paying off a couple of debts, what debts are you planning to pay off with the funds that you draw out of super?","start":1451.905,"end":1459.365,"sentiment":"neutral","sentiment_score":0.030159672208387275},{"text":"Yep.","start":1464.32,"end":1464.82,"sentiment":"neutral","sentiment_score":0.025181753560900688},{"text":"Okay.","start":1467.04,"end":1467.52,"sentiment":"neutral","sentiment_score":0.12821966409683228},{"text":"Beautiful.","start":1467.52,"end":1468.02,"sentiment":"neutral","sentiment_score":0.22656968235969543},{"text":"And a personal 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value would you put on that now, do you think?","start":1530.6549,"end":1533.315,"sentiment":"neutral","sentiment_score":0.06162509092917809},{"text":"Yep.","start":1536.095,"end":1536.595,"sentiment":"neutral","sentiment_score":-0.16308405995368958},{"text":"No.","start":1538.4299,"end":1538.83,"sentiment":"neutral","sentiment_score":-0.13905079662799835},{"text":"Beautiful.","start":1538.83,"end":1539.33,"sentiment":"neutral","sentiment_score":0.14115355908870697},{"text":"And with your new car, what sort of cost do you think you'll be spending on that?","start":1539.39,"end":1543.63,"sentiment":"neutral","sentiment_score":-0.007415942190324559}],"sentiment":"neutral","sentiment_score":0.01557799598032778,"num_words":33,"start":1530.6549,"end":1543.63},{"sentences":[{"text":"You're not really sure?","start":1543.63,"end":1544.69,"sentiment":"neutral","sentiment_score":-0.050959637388587},{"text":"Yeah.","start":1548.91,"end":1549.23,"sentiment":"neutral","sentiment_score":0.04571326822042465},{"text":"Beautiful.","start":1549.23,"end":1549.73,"sentiment":"positive","sentiment_score":0.4104711413383484},{"text":"On road.","start":1551.8551,"end":1552.675,"sentiment":"neutral","sentiment_score":0.059709224849939346},{"text":"Yeah.","start":1553.375,"end":1553.875,"sentiment":"neutral","sentiment_score":0.05817050114274025}],"sentiment":"neutral","sentiment_score":0.04777053453856044,"num_words":9,"start":1543.63,"end":1553.875},{"sentences":[{"text":"Beautiful.","start":1556.3351,"end":1556.8351,"sentiment":"positive","sentiment_score":0.5853182077407837},{"text":"I feel like some day trips somewhere or some overnight trips in the new car might be worthwhile over Christmas and New Year's.","start":1556.9751,"end":1563.395,"sentiment":"positive","sentiment_score":0.39950918762580206},{"text":"That'll be beautiful.","start":1568.3201,"end":1569.54,"sentiment":"positive","sentiment_score":0.5602969924608866},{"text":"A good drive too.","start":1569.68,"end":1570.8,"sentiment":"positive","sentiment_score":0.5630541145801544},{"text":"I love that.","start":1570.8,"end":1571.4401,"sentiment":"positive","sentiment_score":0.7196681896845499}],"sentiment":"positive","sentiment_score":0.4666512214085635,"num_words":34,"start":1556.3351,"end":1571.4401},{"sentences":[{"text":"That's fantastic.","start":1571.4401,"end":1572.3401,"sentiment":"positive","sentiment_score":0.7284195423126221},{"text":"Excellent.","start":1572.9601,"end":1573.4601,"sentiment":"positive","sentiment_score":0.4208535552024842},{"text":"And do you have any other assets you wanna note down?","start":1574.16,"end":1576.8,"sentiment":"neutral","sentiment_score":0.14062203670089896},{"text":"Do you have any other investments or anything of value that you wanna note down?","start":1576.8,"end":1580.8201,"sentiment":"neutral","sentiment_score":0.059900975227355956},{"text":"Nope.","start":1582.535,"end":1583.035,"sentiment":"neutral","sentiment_score":-0.02685283124446869}],"sentiment":"neutral","sentiment_score":0.14320656135678292,"num_words":30,"start":1571.4401,"end":1583.035},{"sentences":[{"text":"That's that's okay.","start":1583.415,"end":1584.795,"sentiment":"neutral","sentiment_score":0.12786184499661127},{"text":"Beautiful.","start":1584.935,"end":1585.435,"sentiment":"positive","sentiment_score":0.4047144651412964},{"text":"Excellent.","start":1585.5751,"end":1586.0751,"sentiment":"neutral","sentiment_score":0.31919747591018677},{"text":"Now the other thing to look at is just your risk profile as well.","start":1586.455,"end":1589.335,"sentiment":"neutral","sentiment_score":0.043189244477876594},{"text":"Now we do do this every year with you.","start":1589.335,"end":1591.175,"sentiment":"neutral","sentiment_score":0.0506539067460431}],"sentiment":"neutral","sentiment_score":0.0774297164087849,"num_words":28,"start":1583.415,"end":1591.175},{"sentences":[{"text":"I'll just do it really quickly for you.","start":1591.175,"end":1593.12,"sentiment":"neutral","sentiment_score":0.09609387628734112},{"text":"I'm just checking how you're invested at the moment within your super there just to make sure that I know what your portfolio looks like.","start":1593.2,"end":1599.6,"sentiment":"neutral","sentiment_score":0.03647808134555817},{"text":"Two seconds.","start":1599.6,"end":1600.32,"sentiment":"neutral","sentiment_score":-0.010230856947600842},{"text":"Sorry.","start":1600.32,"end":1600.82,"sentiment":"neutral","sentiment_score":-0.03849679976701737},{"text":"Love technology when it wants to work with us there.","start":1600.96,"end":1603.62,"sentiment":"neutral","sentiment_score":0.044470483250916}],"sentiment":"neutral","sentiment_score":0.04492281223444835,"num_words":46,"start":1591.175,"end":1603.62},{"sentences":[{"text":"So at the moment, you're in that growth kind of environment there.","start":1604.24,"end":1607.535,"sentiment":"neutral","sentiment_score":0.01503534878914555},{"text":"So that essentially sees about 80% of your super invested in growth ads, so think Australian shares, international shares, property, and also commodities, so precious metals like gold and silver.","start":1607.615,"end":1618.1951,"sentiment":"neutral","sentiment_score":0.032275628919402756},{"text":"Those are the investments that see the ups and downs, the fluctuations that we feel, but they're also the investments there that get us the best return.","start":1618.655,"end":1626.3999,"sentiment":"neutral","sentiment_score":0.05375765981497588},{"text":"And then the other 20% is in lower risk defensive investments, the things like cash, bonds, and fixed interest.","start":1626.86,"end":1632.7999,"sentiment":"neutral","sentiment_score":0.04502437636256218},{"text":"Those investments tend to get a lower rate of return, but they are seen as lower risk.","start":1632.94,"end":1636.995,"sentiment":"neutral","sentiment_score":0.0618112251669278}],"sentiment":"neutral","sentiment_score":0.04291813187412031,"num_words":105,"start":1604.24,"end":1636.995},{"sentences":[{"text":"It's about that risk versus reward sort of balance to try and get the best returns.","start":1637.955,"end":1641.635,"sentiment":"neutral","sentiment_score":0.0962960000615567},{"text":"We have to be willing to take on more risk in the market.","start":1641.635,"end":1644.295,"sentiment":"neutral","sentiment_score":0.0997669341472479},{"text":"When we're not feeling out taking more risk, we tend to get lower rates of returns, but we also continue to get stability.","start":1644.515,"end":1650.215,"sentiment":"neutral","sentiment_score":0.1420708240374275},{"text":"And one of the biggest things I just wanna work at now is over the next six months towards your retirement, are you wanting to take on more risk in the market or the same level of risk knowing there could be a downturn, which means your super could draw backwards a little bit before we access those funds?","start":1650.9299,"end":1666.3099,"sentiment":"neutral","sentiment_score":0.06529138698163679},{"text":"Or are you wanting to maybe bring that risk level down a little bit for the next six months because you are wanting to access your super?","start":1666.695,"end":1673.195,"sentiment":"neutral","sentiment_score":0.013417315910811778}],"sentiment":"neutral","sentiment_score":0.07478111927006123,"num_words":138,"start":1637.955,"end":1673.195},{"sentences":[{"text":"Do you know what you'd like me to sort of look at?","start":1673.8949,"end":1676.475,"sentiment":"neutral","sentiment_score":0.00406300292039911},{"text":"Bit of a tough one.","start":1676.615,"end":1677.835,"sentiment":"neutral","sentiment_score":-0.22758157253265382},{"text":"That's okay.","start":1681.35,"end":1682.15,"sentiment":"neutral","sentiment_score":-0.051912156865000725},{"text":"That's okay.","start":1682.15,"end":1682.97,"sentiment":"neutral","sentiment_score":0.1090560108423233},{"text":"I've got a couple of questions to kinda help and guide if you like just to make it easier on you.","start":1683.11,"end":1687.77,"sentiment":"neutral","sentiment_score":0.12507522673833937}],"sentiment":"neutral","sentiment_score":0.03932656290098315,"num_words":42,"start":1673.8949,"end":1687.77},{"sentences":[{"text":"It doesn't really let us, yeah, it doesn't really let us do that.","start":1691.605,"end":1695.125,"sentiment":"neutral","sentiment_score":-0.26295486321816075},{"text":"We sort of have to have a a total portfolio within your super.","start":1695.125,"end":1698.885,"sentiment":"neutral","sentiment_score":-0.04976212663146166},{"text":"We can't kind of break your super into different areas because it's all in one account.","start":1698.885,"end":1703.785,"sentiment":"neutral","sentiment_score":-0.03963265923084691},{"text":"But what I could maybe look at doing, if you're comfortable, I'm just sort of filling out some of the questions here because I know, obviously, you're looking to try and get the best returns you can.","start":1705.62,"end":1714.6,"sentiment":"neutral","sentiment_score":0.1734931440772237},{"text":"On a yearly basis, so over the we're only looking over the next sort of six months there.","start":1715.46,"end":1721.115,"sentiment":"neutral","sentiment_score":0.08657946810126305}],"sentiment":"neutral","sentiment_score":0.03379622000970484,"num_words":97,"start":1691.605,"end":1721.115},{"sentences":[{"text":"But do you think you are looking to try and get, say, the highest return you can, looking at 8% and above to try and build as much as you can, or do you think you'd be more comfortable achieving maybe a six, a five, a four, or a 3% return just to kinda keep your capital more in place for you withdrawal?","start":1721.115,"end":1738.84,"sentiment":"neutral","sentiment_score":0.14952210975544794},{"text":"How do you think you might fit?","start":1738.84,"end":1740.46,"sentiment":"neutral","sentiment_score":0.05975499749183655},{"text":"Would you go for aim for the highest we can possibly get?","start":1742.84,"end":1745.4,"sentiment":"neutral","sentiment_score":0.0353647635007898},{"text":"Beautiful.","start":1745.4,"end":1745.9,"sentiment":"positive","sentiment_score":0.3621213436126709},{"text":"If you saw your super fall in the next sort of six months due to what was happening in the markets generally, I know you'd probably feeling a little bit concerned.","start":1748.095,"end":1756.095,"sentiment":"neutral","sentiment_score":-0.24972550619033076}],"sentiment":"neutral","sentiment_score":0.02529110272594711,"num_words":114,"start":1721.115,"end":1756.095},{"sentences":[{"text":"You wouldn't be very happy with it.","start":1756.095,"end":1757.875,"sentiment":"negative","sentiment_score":-0.4308318453175681},{"text":"But, realistically, do you think you'd be wanting to maybe find some extra money, put a lump sum in, and build on your super and maybe hold off retiring till it comes back, or are you still wanting to access your super and cement those losses?","start":1758.095,"end":1771.04,"sentiment":"neutral","sentiment_score":-0.02604894404825957},{"text":"Access your super either way.","start":1774.535,"end":1776.055,"sentiment":"neutral","sentiment_score":0.07228051647543907},{"text":"Beautiful.","start":1776.055,"end":1776.555,"sentiment":"positive","sentiment_score":0.5024623870849609},{"text":"Excellent.","start":1777.0951,"end":1777.5951,"sentiment":"positive","sentiment_score":0.5304430723190308}],"sentiment":"neutral","sentiment_score":-0.046996105027695495,"num_words":60,"start":1756.095,"end":1777.5951},{"sentences":[{"text":"How do you think you might be feeling if the downturn sorta came?","start":1778.6151,"end":1781.8151,"sentiment":"neutral","sentiment_score":0.05076739020072497},{"text":"Do you think you'd be feeling optimistic about the investment opportunity, a bit cautious, concerned, or feeling very anxious because you're accessing money?","start":1781.8151,"end":1789.06,"sentiment":"neutral","sentiment_score":-0.04514750287584637},{"text":"Yep.","start":1792.24,"end":1792.56,"sentiment":"neutral","sentiment_score":0.04403043910861015},{"text":"So just access whatever you can at the time.","start":1792.56,"end":1794.8201,"sentiment":"neutral","sentiment_score":0.05595635995268822},{"text":"Yep.","start":1794.88,"end":1795.38,"sentiment":"neutral","sentiment_score":0.042188625782728195}],"sentiment":"neutral","sentiment_score":0.0044980810836274575,"num_words":47,"start":1778.6151,"end":1795.38},{"sentences":[{"text":"Yep.","start":1796.3201,"end":1796.64,"sentiment":"neutral","sentiment_score":0.057236917316913605},{"text":"Yep.","start":1796.64,"end":1796.96,"sentiment":"neutral","sentiment_score":0.0773562639951706},{"text":"That's okay.","start":1796.96,"end":1797.7001,"sentiment":"neutral","sentiment_score":0.1461012363433838},{"text":"Not a problem at all.","start":1797.76,"end":1799.14,"sentiment":"neutral","sentiment_score":0.16219531744718552},{"text":"I'm just sort of going through and updating things.","start":1799.235,"end":1801.895,"sentiment":"neutral","sentiment_score":0.14191137337022358}],"sentiment":"neutral","sentiment_score":0.13972081119815508,"num_words":18,"start":1796.3201,"end":1801.895},{"sentences":[{"text":"Beautiful.","start":1803.715,"end":1804.215,"sentiment":"neutral","sentiment_score":0.31878846883773804},{"text":"I put down here that you'd probably be feeling a bit concerned.","start":1804.355,"end":1806.835,"sentiment":"neutral","sentiment_score":-0.06549985675762098},{"text":"Do you feel like you would be a bit concerned about it?","start":1806.835,"end":1809.415,"sentiment":"neutral","sentiment_score":-0.12012884517510732},{"text":"Yeah.","start":1811.57,"end":1812.05,"sentiment":"neutral","sentiment_score":-0.0056762006133794785},{"text":"Yeah.","start":1812.05,"end":1812.45,"sentiment":"neutral","sentiment_score":0.04532869905233383}],"sentiment":"neutral","sentiment_score":-0.06922605392281656,"num_words":27,"start":1803.715,"end":1812.45},{"sentences":[{"text":"Beautiful.","start":1812.45,"end":1812.95,"sentiment":"neutral","sentiment_score":0.16801777482032776},{"text":"So having a look at, obviously, where we are and how you've scored, because you are wanting to look.","start":1813.81,"end":1820.45,"sentiment":"neutral","sentiment_score":0.035461682238076865},{"text":"You're fairly comfortable with taking on more risk in the market to get greater returns, and, you know, you are sort of of that opinion that the market does what the market does, and you can't control that.","start":1820.45,"end":1829.965,"sentiment":"neutral","sentiment_score":-0.018772858244023825},{"text":"But wouldn't obviously be overly impressed if the market did take a bit of a huge dip in the next sort of six months there.","start":1830.105,"end":1835.8049,"sentiment":"neutral","sentiment_score":-0.15445536106824875},{"text":"But with your time horizon, because you are wanting to access that large sum of money in the next six months there, what I could maybe look at doing for you, Michael, is to look at maybe putting some capital protection in there.","start":1836.0249,"end":1846.94,"sentiment":"neutral","sentiment_score":0.030621322261732677}],"sentiment":"neutral","sentiment_score":-0.01917655591572088,"num_words":126,"start":1812.45,"end":1846.94},{"sentences":[{"text":"We maybe reduce your risk level down to more of a balanced portfolio.","start":1846.94,"end":1851.0399,"sentiment":"neutral","sentiment_score":-0.05935521567097077},{"text":"It is dropping it pretty drastically.","start":1851.765,"end":1853.545,"sentiment":"neutral","sentiment_score":-0.2909469852844874},{"text":"So our portfolios go high growth, growth, balance, growth, and balance.","start":1853.605,"end":1857.605,"sentiment":"neutral","sentiment_score":-0.07684868269345978},{"text":"So you are dropping it down by two risk levels.","start":1857.605,"end":1859.9451,"sentiment":"neutral","sentiment_score":-0.236349156498909},{"text":"A balanced portfolio brings it down to 60% invested in those growth assets and then 40% in defensive assets.","start":1860.805,"end":1867.85,"sentiment":"neutral","sentiment_score":0.19087559690600947}],"sentiment":"neutral","sentiment_score":-0.03558458387851715,"num_words":59,"start":1846.94,"end":1867.85},{"sentences":[{"text":"That essentially is reducing your risk level.","start":1868.87,"end":1871.19,"sentiment":"neutral","sentiment_score":0.22889064252376556},{"text":"It's bringing up some of those defensive investments.","start":1871.19,"end":1873.37,"sentiment":"positive","sentiment_score":0.3341476544737816},{"text":"It does mean that the amount of returns that we're we're probably expecting might decrease a little bit, but it puts in a little bit more of, you know, a bit more capital protection for you.","start":1873.51,"end":1884.645,"sentiment":"neutral","sentiment_score":0.2110796006810334},{"text":"So we are expecting that, you know, the ups and downs to not be as volatile as well, which can mean adding a little bit of protection for your capital so that you're able to take the funds out and hopefully not see a really large downturn if the market did go that way.","start":1884.645,"end":1900.4401,"sentiment":"neutral","sentiment_score":0.1254421435986404},{"text":"Does that make sense?","start":1900.4401,"end":1901.4,"sentiment":"neutral","sentiment_score":0.08079553209245205}],"sentiment":"neutral","sentiment_score":0.17404898385935968,"num_words":109,"start":1868.87,"end":1901.4},{"sentences":[{"text":"And are you comfortable with looking at that or yes?","start":1901.4,"end":1904.4401,"sentiment":"neutral","sentiment_score":0.006985053047537803},{"text":"Yep.","start":1904.4401,"end":1904.68,"sentiment":"neutral","sentiment_score":0.10604974627494812},{"text":"Beautiful.","start":1904.68,"end":1905.18,"sentiment":"positive","sentiment_score":0.46617627143859863},{"text":"Beautiful.","start":1906.52,"end":1907.0,"sentiment":"positive","sentiment_score":0.48554933071136475},{"text":"And as I said, we'll touch base in December.","start":1907.0,"end":1909.1001,"sentiment":"neutral","sentiment_score":0.17476209004720053}],"sentiment":"neutral","sentiment_score":0.12274930406023156,"num_words":22,"start":1901.4,"end":1909.1001},{"sentences":[{"text":"We'll we'll touch base after your birthday, and we can always update the advice and look at what to do moving forward thereafter.","start":1909.605,"end":1915.225,"sentiment":"neutral","sentiment_score":0.17626952736274057},{"text":"Because you wanna take about a three month period off minimum to sort of see and take some time off for you, Are you needing to draw any income down in that time, or do you feel Judith, like, your income is gonna support you both in that time frame comfortably?","start":1915.765,"end":1929.72,"sentiment":"neutral","sentiment_score":0.05828649598155536},{"text":"Yep.","start":1938.515,"end":1939.015,"sentiment":"neutral","sentiment_score":0.03587603569030762},{"text":"Yep.","start":1939.795,"end":1939.9551,"sentiment":"neutral","sentiment_score":0.03591691702604294},{"text":"That's a 100 k.","start":1939.9551,"end":1941.335,"sentiment":"neutral","sentiment_score":0.04417275357991457}],"sentiment":"neutral","sentiment_score":0.09094117989297956,"num_words":80,"start":1909.605,"end":1941.335},{"sentences":[{"text":"Yep.","start":1941.9551,"end":1942.4551,"sentiment":"neutral","sentiment_score":0.06600266695022583},{"text":"Yeah.","start":1942.915,"end":1943.235,"sentiment":"neutral","sentiment_score":0.17605344951152802},{"text":"Beautiful.","start":1943.235,"end":1943.735,"sentiment":"positive","sentiment_score":0.34728360176086426},{"text":"Not a problem at all.","start":1944.035,"end":1945.415,"sentiment":"neutral","sentiment_score":0.15900953561067582},{"text":"That's okay.","start":1945.58,"end":1946.3,"sentiment":"neutral","sentiment_score":0.1885766163468361}],"sentiment":"neutral","sentiment_score":0.17615406289696695,"num_words":10,"start":1941.9551,"end":1946.3},{"sentences":[{"text":"So what we can do is, essentially, we can just if you like, because we do kinda go on leave around about Christmas time, we'll do the advice case in December when you retire.","start":1946.3,"end":1958.22,"sentiment":"neutral","sentiment_score":0.14050479868755622},{"text":"We'll do that drawdown for you.","start":1958.22,"end":1960.08,"sentiment":"neutral","sentiment_score":0.20402804017066956},{"text":"And then when we come back, I'll book you in for when we come back early January.","start":1960.505,"end":1964.3651,"sentiment":"neutral","sentiment_score":0.1397401931531289},{"text":"We can then have a look at your circumstances and look at updating the advice.","start":1964.505,"end":1968.3651,"sentiment":"neutral","sentiment_score":0.15372759848833084},{"text":"Does that sound okay, or would you want me to hold off a little bit longer?","start":1968.665,"end":1971.9651,"sentiment":"neutral","sentiment_score":-0.04105488257482648}],"sentiment":"neutral","sentiment_score":0.11393125609240749,"num_words":88,"start":1946.3,"end":1971.9651},{"sentences":[{"text":"Early February?","start":1975.32,"end":1976.1399,"sentiment":"neutral","sentiment_score":0.012482976540923119},{"text":"Yep.","start":1976.5199,"end":1977.0199,"sentiment":"neutral","sentiment_score":0.06263671815395355},{"text":"Yep.","start":1978.84,"end":1979.32,"sentiment":"neutral","sentiment_score":0.05407602712512016},{"text":"No.","start":1979.32,"end":1979.5599,"sentiment":"neutral","sentiment_score":0.031938452273607254},{"text":"That's okay.","start":1979.5599,"end":1980.38,"sentiment":"positive","sentiment_score":0.4204220026731491}],"sentiment":"neutral","sentiment_score":0.14492302228297507,"num_words":7,"start":1975.32,"end":1980.38},{"sentences":[{"text":"Beautiful.","start":1981.32,"end":1981.7999,"sentiment":"positive","sentiment_score":0.7624013423919678},{"text":"What I can even do because we tend to, you know, look at how how best to structure your withdrawal from your super.","start":1981.7999,"end":1989.605,"sentiment":"positive","sentiment_score":0.3532998503550239},{"text":"I can also look at if we decide to like, if it works out better to open a pension account and, you know, withdraw that way, we can always look at, you know, closing that off and moving all the funds, the additional funds back into super.","start":1990.3849,"end":2004.6799,"sentiment":"neutral","sentiment_score":0.16427472455704467},{"text":"I'll have a look at all the options.","start":2004.82,"end":2006.34,"sentiment":"neutral","sentiment_score":0.1312251901254058},{"text":"I know when you turn 60, are you wanting that money sort of as quickly as possible, or would you be comfortable with opening up a pension and maybe waiting a week for the funds to come out, or you kind of just wanting them to come out, like, the next couple of days really quickly?","start":2006.34,"end":2020.9149,"sentiment":"neutral","sentiment_score":0.0788072392876659}],"sentiment":"neutral","sentiment_score":0.16349790278408263,"num_words":135,"start":1981.32,"end":2020.9149},{"sentences":[{"text":"Yeah.","start":2024.1749,"end":2024.6749,"sentiment":"neutral","sentiment_score":-0.04170255735516548},{"text":"Yeah.","start":2025.695,"end":2026.195,"sentiment":"neutral","sentiment_score":-0.02445949614048004},{"text":"Yeah.","start":2038.27,"end":2038.77,"sentiment":"neutral","sentiment_score":0.014640748500823976},{"text":"Yeah.","start":2039.79,"end":2040.29,"sentiment":"neutral","sentiment_score":0.06115930527448654},{"text":"Yeah.","start":2043.005,"end":2043.325,"sentiment":"neutral","sentiment_score":0.0487891361117363}],"sentiment":"neutral","sentiment_score":0.011685427278280258,"num_words":5,"start":2024.1749,"end":2043.325},{"sentences":[{"text":"Yeah.","start":2043.325,"end":2043.645,"sentiment":"neutral","sentiment_score":0.03843329846858978},{"text":"No.","start":2043.645,"end":2043.805,"sentiment":"neutral","sentiment_score":-0.0023780204355716705},{"text":"That's okay.","start":2043.805,"end":2044.285,"sentiment":"neutral","sentiment_score":0.05423736944794655},{"text":"I can have a look at all the options and see what sort of works for you, how it sort of looks.","start":2044.285,"end":2048.945,"sentiment":"neutral","sentiment_score":0.13486700775948438},{"text":"One of the biggest things to sort of look at is the tax consequences.","start":2049.085,"end":2051.985,"sentiment":"neutral","sentiment_score":-0.02063392528465816}],"sentiment":"neutral","sentiment_score":0.07056823084130884,"num_words":40,"start":2043.325,"end":2051.985},{"sentences":[{"text":"And the main reason I sort of bring up the two accounts is that in accumulation phase, which is where you are at the moment, that's what the super system is when you're growing a super before 60.","start":2052.125,"end":2061.77,"sentiment":"neutral","sentiment_score":0.03867242210789731},{"text":"Essentially, you do have income tax and capital gains tax consequences.","start":2062.47,"end":2066.4102,"sentiment":"neutral","sentiment_score":0.06623909825628455},{"text":"So your super fund, is doing a tax return every year for it.","start":2066.6301,"end":2071.375,"sentiment":"neutral","sentiment_score":0.1066329232775248},{"text":"It is doing an and paying income tax and CDT tax on growth and income that is earned within the system there.","start":2071.4348,"end":2077.915,"sentiment":"neutral","sentiment_score":0.09732475826008753},{"text":"When you actually do retire and you move into pension phase, that phase is fully tax free.","start":2077.915,"end":2084.095,"sentiment":"neutral","sentiment_score":0.12810101272428737}],"sentiment":"neutral","sentiment_score":0.07825021803526595,"num_words":101,"start":2052.125,"end":2084.095},{"sentences":[{"text":"So we have one or two options.","start":2084.3,"end":2085.82,"sentiment":"neutral","sentiment_score":0.08174083594764982},{"text":"You can.","start":2085.82,"end":2086.56,"sentiment":"neutral","sentiment_score":0.06540311127901077},{"text":"What we try to do is we try to move you into pension phase first, so open up a pension account.","start":2086.6199,"end":2091.98,"sentiment":"neutral","sentiment_score":0.06438066703932625},{"text":"It generally happens fairly quickly within about sort of, you know, two or three days to open that pension account.","start":2091.98,"end":2097.76,"sentiment":"neutral","sentiment_score":0.06485432386398315},{"text":"The the fund hub twenty four moves money into the pension phase, and drawing the 100,000 down within pension phase, whilst it can take just a little bit longer to do, means that there's no income tax consequences.","start":2098.14,"end":2110.955,"sentiment":"neutral","sentiment_score":0.08944242614272394}],"sentiment":"neutral","sentiment_score":0.07671459946273403,"num_words":88,"start":2084.3,"end":2110.955},{"sentences":[{"text":"So the benefit to that is as much as when you draw the money down, whether you draw it as a super pension, realistically, there's no income tax consequences to you.","start":2111.0151,"end":2121.23,"sentiment":"neutral","sentiment_score":0.18886160814473707},{"text":"It is tax free.","start":2121.23,"end":2122.45,"sentiment":"neutral","sentiment_score":0.152196753770113},{"text":"But inside the funding pension phase, there's no income tax and no capital gains tax.","start":2122.5898,"end":2127.97,"sentiment":"neutral","sentiment_score":0.0838639239470164},{"text":"And capital gains tax comes from selling down investments, which we do have to do in order to withdraw the funds.","start":2128.43,"end":2134.585,"sentiment":"neutral","sentiment_score":0.09516838441292445},{"text":"So would you be comfortable just sort of having it, you know, maybe take an extra day or two or an extra week just to get that money at the save on tax?","start":2134.885,"end":2143.385,"sentiment":"neutral","sentiment_score":0.07604706744578751}],"sentiment":"neutral","sentiment_score":0.11759177908802834,"num_words":104,"start":2111.0151,"end":2143.385},{"sentences":[{"text":"Yeah?","start":2143.5251,"end":2144.0251,"sentiment":"neutral","sentiment_score":0.05527420341968536},{"text":"Yep.","start":2145.74,"end":2146.24,"sentiment":"neutral","sentiment_score":0.2516363263130188},{"text":"That would be an option.","start":2147.98,"end":2148.94,"sentiment":"neutral","sentiment_score":0.2592816412448883},{"text":"Beautiful.","start":2148.94,"end":2149.34,"sentiment":"positive","sentiment_score":0.5961177349090576},{"text":"And, look, if it took a bit longer and we were on leave, I would jump in there and do it for you.","start":2149.34,"end":2153.26,"sentiment":"neutral","sentiment_score":0.2381095316099084}],"sentiment":"neutral","sentiment_score":0.24761147412561602,"num_words":31,"start":2143.5251,"end":2153.26},{"sentences":[{"text":"Do not worry in any way, shape, or form.","start":2153.26,"end":2154.8599,"sentiment":"neutral","sentiment_score":0.1382246489326159},{"text":"I will make sure even though it's December and, technically, we do shut down for two weeks, I will make sure this happens before we go on leave.","start":2154.8599,"end":2163.3052,"sentiment":"neutral","sentiment_score":0.1490803323686123},{"text":"That way, you're not stuck without any money over that two week Christmas period.","start":2163.3052,"end":2166.925,"sentiment":"neutral","sentiment_score":0.11280708786632333},{"text":"Okay?","start":2166.985,"end":2167.485,"sentiment":"neutral","sentiment_score":0.13148978352546692},{"text":"Yeah.","start":2167.705,"end":2168.205,"sentiment":"neutral","sentiment_score":0.25143784284591675}],"sentiment":"neutral","sentiment_score":0.1392546793059358,"num_words":53,"start":2153.26,"end":2168.205},{"sentences":[{"text":"Beautiful.","start":2168.425,"end":2168.925,"sentiment":"positive","sentiment_score":0.6444159746170044},{"text":"That's okay.","start":2169.865,"end":2170.685,"sentiment":"neutral","sentiment_score":0.3088662028312683},{"text":"So I'll look at, obviously, structuring the advice for you to withdraw in December when you retire.","start":2171.12,"end":2175.6,"sentiment":"neutral","sentiment_score":0.1532419402809704},{"text":"Look at structuring your investments now for you as well, and look at how we do that and maybe just reducing your risk level down to that balanced environment.","start":2175.6,"end":2183.36,"sentiment":"neutral","sentiment_score":0.23314263080728465},{"text":"Does that sound okay?","start":2183.36,"end":2184.4001,"sentiment":"neutral","sentiment_score":0.13514281809329987}],"sentiment":"neutral","sentiment_score":0.21073526284604702,"num_words":53,"start":2168.425,"end":2184.4001},{"sentences":[{"text":"Have I missed anything at all?","start":2184.4001,"end":2186.18,"sentiment":"neutral","sentiment_score":0.004074421556045611},{"text":"Beautiful.","start":2188.875,"end":2189.375,"sentiment":"neutral","sentiment_score":0.3250444829463959},{"text":"Oh, fantastic.","start":2190.875,"end":2191.7751,"sentiment":"positive","sentiment_score":0.5693539977073669},{"text":"Lovely.","start":2192.395,"end":2192.895,"sentiment":"positive","sentiment_score":0.485159307718277},{"text":"Now it's also a note in here, you don't have any insurances paid out of your supers.","start":2193.435,"end":2197.5151,"sentiment":"neutral","sentiment_score":0.12059402421993368}],"sentiment":"neutral","sentiment_score":0.149016915820539,"num_words":27,"start":2184.4001,"end":2197.5151},{"sentences":[{"text":"There's no insurances to worry about, but you're comfortable not having life capability income protection.","start":2197.5151,"end":2201.91,"sentiment":"neutral","sentiment_score":0.05063882345954577},{"text":"None of that sort of worries or interests you.","start":2201.91,"end":2204.25,"sentiment":"neutral","sentiment_score":-0.029148691644271214},{"text":"I love that.","start":2208.63,"end":2209.3499,"sentiment":"positive","sentiment_score":0.7929284969965616},{"text":"That's all good.","start":2209.3499,"end":2210.41,"sentiment":"positive","sentiment_score":0.775316079457601},{"text":"Now in the annual review pack, which I have emailed to you as well, it'll be in your emails when you get a chance.","start":2210.8699,"end":2215.91,"sentiment":"neutral","sentiment_score":0.21349049421648184}],"sentiment":"neutral","sentiment_score":0.1912175873639407,"num_words":54,"start":2197.5151,"end":2215.91},{"sentences":[{"text":"It does have a copy of the documents that I've gone through giving you your updated super balance, your performance there as well, and it's also got your ongoing service agreement attached.","start":2215.91,"end":2224.925,"sentiment":"neutral","sentiment_score":0.1782366530969739},{"text":"So just to let you know, this year, there is no change to our fee structure.","start":2224.925,"end":2229.585,"sentiment":"neutral","sentiment_score":0.04534845636226237},{"text":"However, next year, there will be a bit of a change.","start":2230.125,"end":2232.76,"sentiment":"neutral","sentiment_score":0.005287433551116424},{"text":"There is I can't sort of go through it exactly with you right now, but for the time time being, there's no change to your ongoing service fee.","start":2232.98,"end":2240.02,"sentiment":"neutral","sentiment_score":0.011027572144355093},{"text":"It is still 1.1% because you're both on as clients, and that will continue.","start":2240.02,"end":2245.225,"sentiment":"neutral","sentiment_score":0.12107279524207115}],"sentiment":"neutral","sentiment_score":0.0840703081524018,"num_words":101,"start":2215.91,"end":2245.225},{"sentences":[{"text":"If you sign and return that back, it will continue exactly the same over the next twelve months there, and we can kinda go through everything else down the track.","start":2245.225,"end":2253.385,"sentiment":"neutral","sentiment_score":0.12872916956742605},{"text":"Does that sound okay?","start":2253.385,"end":2254.345,"sentiment":"neutral","sentiment_score":0.09526483155786991},{"text":"Do you have any questions?","start":2254.345,"end":2255.645,"sentiment":"neutral","sentiment_score":0.027512792497873306},{"text":"Beautiful.","start":2258.51,"end":2259.01,"sentiment":"positive","sentiment_score":0.5530182123184204},{"text":"Beautiful.","start":2259.07,"end":2259.55,"sentiment":"positive","sentiment_score":0.5162628889083862}],"sentiment":"neutral","sentiment_score":0.13292145065781547,"num_words":41,"start":2245.225,"end":2259.55},{"sentences":[{"text":"Well, I'll get cracking on that research there for you.","start":2259.55,"end":2262.19,"sentiment":"positive","sentiment_score":0.359166020154953},{"text":"If anything comes up that you think I've missed or you have extra questions that pop out of any of it, you let me know.","start":2262.19,"end":2268.51,"sentiment":"neutral","sentiment_score":0.20078503966331482},{"text":"I'm more than happy to jump on that.","start":2268.51,"end":2270.655,"sentiment":"positive","sentiment_score":0.6818810030817986},{"text":"Judith, I will get my colleague, Samantha, to organize when you're due for annual review.","start":2271.055,"end":2274.895,"sentiment":"neutral","sentiment_score":0.19851318895816802},{"text":"She'll give you a call and book you in as well so we can look at everything for yourself as well.","start":2274.895,"end":2279.135,"sentiment":"neutral","sentiment_score":0.19781661246504104}],"sentiment":"neutral","sentiment_score":0.26833140397373634,"num_words":79,"start":2259.55,"end":2279.135},{"sentences":[{"text":"Okay?","start":2279.135,"end":2279.635,"sentiment":"neutral","sentiment_score":0.12455899268388748},{"text":"Fantastic.","start":2281.855,"end":2282.355,"sentiment":"positive","sentiment_score":0.6700805425643921},{"text":"Well, I'm pretty sure that's everything for you guys.","start":2282.655,"end":2284.78,"sentiment":"positive","sentiment_score":0.44365232189496356},{"text":"You both have a lovely day, and I will get cracking on this research.","start":2284.78,"end":2289.04,"sentiment":"positive","sentiment_score":0.586049667426518},{"text":"Oh, just one more question.","start":2289.8198,"end":2291.26,"sentiment":"neutral","sentiment_score":-0.0046891974285244945}],"sentiment":"positive","sentiment_score":0.43229199297105275,"num_words":30,"start":2279.135,"end":2291.26},{"sentences":[{"text":"Sorry.","start":2291.26,"end":2291.76,"sentiment":"neutral","sentiment_score":-0.06413193792104721},{"text":"I know over the last few years, you've had some additional goals that you were sort of looking at.","start":2291.9,"end":2295.74,"sentiment":"neutral","sentiment_score":-0.011815598430602174},{"text":"Do you have anything else that you're gonna look at goal wise over the next few years, or is everything just looking at retirement, drawing that money up, paying off your debts, and getting the new car?","start":2295.74,"end":2304.965,"sentiment":"neutral","sentiment_score":0.10361534145635527},{"text":"Yep.","start":2307.745,"end":2308.245,"sentiment":"neutral","sentiment_score":0.06413426250219345},{"text":"Yep.","start":2309.3452,"end":2309.76,"sentiment":"neutral","sentiment_score":0.2789897918701172}],"sentiment":"neutral","sentiment_score":0.06590276915516893,"num_words":59,"start":2291.26,"end":2309.76},{"sentences":[{"text":"Beautiful.","start":2310.64,"end":2311.14,"sentiment":"positive","sentiment_score":0.8184552788734436},{"text":"I love it.","start":2311.2,"end":2312.0,"sentiment":"positive","sentiment_score":0.8738254110018412},{"text":"Fantastic.","start":2312.0,"end":2312.5,"sentiment":"positive","sentiment_score":0.8266295194625854},{"text":"Not a problem at all.","start":2312.8801,"end":2314.08,"sentiment":"positive","sentiment_score":0.6357589364051819},{"text":"Well, I will let you go.","start":2314.08,"end":2315.2,"sentiment":"positive","sentiment_score":0.5155574083328247}],"sentiment":"positive","sentiment_score":0.6586687602102757,"num_words":16,"start":2310.64,"end":2315.2},{"sentences":[{"text":"Thank you so much for that.","start":2315.2,"end":2316.64,"sentiment":"positive","sentiment_score":0.8422376215457916},{"text":"I really appreciate your time this afternoon.","start":2316.64,"end":2318.74,"sentiment":"positive","sentiment_score":0.8142684272357396},{"text":"If there is any questions, let me know.","start":2319.44,"end":2321.12,"sentiment":"neutral","sentiment_score":0.3210253529250622},{"text":"And if you can just get on that any review pack, if you're happy to sign and return it back, do so.","start":2321.12,"end":2325.465,"sentiment":"positive","sentiment_score":0.3479629456996918},{"text":"And we'll get sorted on the advice and get you booked in a few weeks to go through it all.","start":2325.465,"end":2329.5652,"sentiment":"positive","sentiment_score":0.3511084519326687}],"sentiment":"positive","sentiment_score":0.4444263712281272,"num_words":63,"start":2315.2,"end":2329.5652},{"sentences":[{"text":"Okay?","start":2329.625,"end":2330.115,"sentiment":"neutral","sentiment_score":0.06709504127502441},{"text":"You're a legend.","start":2332.435,"end":2333.315,"sentiment":"positive","sentiment_score":0.35096613069375354},{"text":"Thank you so much.","start":2333.315,"end":2334.195,"sentiment":"positive","sentiment_score":0.7314472496509552},{"text":"Have a great day, guys.","start":2334.195,"end":2335.395,"sentiment":"positive","sentiment_score":0.7696559429168701},{"text":"We really appreciate it.","start":2335.395,"end":2336.775,"sentiment":"positive","sentiment_score":0.6518166214227676}],"sentiment":"positive","sentiment_score":0.6177252136609134,"num_words":17,"start":2329.625,"end":2336.775},{"sentences":[{"text":"Thanks.","start":2337.155,"end":2337.635,"sentiment":"positive","sentiment_score":0.43592435121536255},{"text":"See you later.","start":2337.635,"end":2338.455,"sentiment":"neutral","sentiment_score":0.31487934788068134},{"text":"Bye.","start":2338.755,"end":2339.255,"sentiment":"neutral","sentiment_score":-0.10241907089948654}],"sentiment":"neutral","sentiment_score":0.255628664791584,"num_words":5,"start":2337.155,"end":2339.255}]}}]},{"alternatives":[{"transcript":"Hello, Michael. Good. Thank you. How are you? Zero. That's getting old. Sounds like you're about 21. Well, it's close. Yeah. Yeah. No problem at all. Yep. Yeah. Certainly. Michael Leslie Tozer. Fifteenth to twelfth nineteen sixty six. I think I've changed the address to 1203 Dash 12 Emily Avenue, Surface Paradise. January. Yeah. No. It's good. Yeah. Yeah. Yeah. Near near Northcrest Surf Club. Is that where that is? Walking distance everywhere. I've got my wife with me too, Jude. Hello? Good. Thank you. Yep. What we plan is if well, I don't know how it works. If I take try and get some money out, do I can I keep working, or do I have to finish work to get money out? Yep. Yeah. I want well, what I'm after is probably buy a new car and pay some debt off. Probably I don't know. 85,000, I think. Tell me buy a car or a 100,000 or something. I don't know what I've got in there. So I'm I'm guessing it's probably about a 140 or something in there. Yep. Yep. Yep. Yep. Yes. Yes. I'm sitting in the car in the sun talking to you. No. You're alright. Keep going. I got the AECOM on. Yep. Well, just I mean, probably just say a 100,000. I mean, not not get that much, and we'll just have to work it out what we wanna do. What I'm what what my plan is the way the way I govern, I don't know how true this is. If I get money out of my super, I have to finish work, and you can't work just how long can you go straight back to work? Find a job and go back to work? Well, that's what that's what I just said then. But I I'm I'm planning to retire when I turn 60 on the December 15. Yes. Yes, boys. What what's my best what what do you think my best option is? Yep. Yeah. Yeah. So I think that's the way I think that's the way to go. Yes. Yes. It does. Now next what what's do I have to pay tax on that? Or what's Tax free. Tax free money, is it? Okay. Thank you. So what what happens when I do it just says 60 or when I retire, you know, 67, does that take my pension or not? How does that work? Yep. Yep. At 60. Okay. Yep. Yep. Yep. What just say I give just say we're well, add me a $100,000 and I give a a gift to my son, like, and do a bit of money. Does that do I pay tax on that or no? Yes. Okay. Yeah. Perfect. No. Thank you. Yes. Yep. Yep. Yep. Okay. Yeah. Yeah. Okay. Well, I understand that now. Yeah. Thank you. That just makes sense. Yep. Yep. Oh, you just you don't know because you've never done it. So That's not letting me ring because I said I'm I've been hearing, like, reading and hearing, and it just goes down a rabbit hole. So I just wanted to make sure that Cool. Yeah. Exactly. Right. Right. So how much notice do I need to give when I obviously, I'm gonna finish when I'm 60 then. How much notice do I need to give in that money going in my bank account? Yep. Yep. Will be the fifteenth of December. Certainly will be. Do I get that do I get that phone from where I work or what's Oh, you send it to me? Okay. Yes. Oh, the day before? Oh, fuck yeah. Yep. Yep. Yep. Cool. Yep. That's thank you. That's okay. Thank you. Yep. Yep. What what day is the fifth day? A Tuesday. That's obviously the fifth day. A Tuesday. No. No. I'm gonna finish on my birthday. Okay. Yes. Yeah. So what I what I'm what I hope to do is, you know, order a car beforehand and had them try to get us around my birthday. You know? That's what I'm asking. Oh, I don't know yet. Got no idea. Pretty good. I I went over to BYD hybrid, but I we need to have a couple more cars tonight. Yes. Well, make it hang on. Just Yeah. It will be What's the Thursday before? Because that's me. I have Friday, Saturdays off. Thursday. No. Don't worry. He works all day Sunday. Alright. I'll finish make it the tenth. I'll finish work on the tenth. Yep. Yep. Yep. I can't I can't wait for that. I don't think I've ever worked my birthday. No. I don't think I don't think you've ever worked anyway. That's right. Yes. So so just to recap, like, if he does because the job he's doing, he has an option to go back casual later on. So he's a commercial cleaner. But that's what we were just concerned about. That he's, you know, like, he'd like to have at least three months off. And then, you know, if they want him back, he can go back. So that's not an issue, is it? If he he goes back casually? So it's alright. And then that was our plan for him to him to pay more super because we won't have any debt. We'll have all our debts cleared. You know, we'll have the new car. We won't have to And we're gonna have a holiday. We'll have a holiday. We'll have the new car, and we won't have any debt. So we'll be able to budget better with his income. And, unfortunately, I was supposed to work with him. So And we'll have a new grandchild. So Yes. We'll have a new grandson. So that was yeah. Yes. But, no, Rod. He's he's born in September, so we probably won't get to see him until Christmas anyhow. So yeah. So that would be great. Okay. That's right. Yep. Yeah. Some of us are retired. Some have still got four years. So So that's that's fine. But, no, thank you. You've been very helpful. Yep. This year this year, it'd be probably down a bit because I've had his He's had a condition where he keeps what what's it called? Meniere's disease, vertigo. So, like, he's yeah. And and he's just been tested, had a MRI today again. Yeah. So I think he's got something wrong with his balance in his ear, and he keeps fighting in that. So he has his income's way down because he had, like, in September about nine weeks off. So, yeah, lucky we've managed to just stay afloat with our savings. But at the moment, that's the trouble. He's got no savings and because he's, you know, not working his full hours. But hopefully Reason forward will be July 1, he'll be back to normal. And as I said, then when he does retire, that will be, you know, going back casual will be he'll he doesn't have to work so much to get the same roughly the same income. Yeah. So that's the plan. Yeah. Yeah. Yeah. That's that's fine. Yeah. Yeah. Yes. That is right. Yeah. Yes. Yes. Yes. It's all good. We got a couple of credit cards. Two credit cards and a personal one. And a and a personal one. Yeah. Yes. $7.50 a weekly. Yeah. That's pretty good. All off to that? All off to about 16,000 at the moment. So 9 thousand to the personal loan and the credit card is 5,000 and another one at 2. We will be closing the one of the credit cards when we Pay it off. Pay it off. We'll have one as a spare, but I I think it's the yeah. Just in case it's rainy day. Emergency. Still missing cash car. Same car. 15? 15. 10 to 15. They're not worth not going much. Probably they're about $5,657,000. That's yeah. That's That's that's on road, everything. So including on road. Is there. Well, that's what we're budgeting. Yeah. Probably, we're thinking about how he buys at Christmas Yeah. And meet the grandson. No. No. Thank you. Yep. It is, isn't it? Alright. I don't know. Probably. Pretty I think I'm in half at high risk and half know what we're doing. Okay. I can hold. I can't hold. Why why not? No. I think we'll access our super. Yep. What it is is what it is. Can't do much about it. Yes. Yeah. Yeah. I probably would be. Yep. Yep. Yep. Yeah. That that makes sense. Yep. Yep. Yep. Yep. Well, I think we've worked it out. We've got the rent and some utilities covered in that three months out of that Out of that money. Lump sum we're taking out. Yep. Yeah. So yeah. Yep. Yep. February. Probably February early February. Well, I have to do a a little trick in January. So Okay. Yep. Next couple of days next couple of days if possible. So a week wouldn't hurt. Like, where it's not like as long as, yeah, we would get it. Well, I don't know. Depends on our savings. Then it depends on, yeah, when I get the car. The car is not the important thing, but, yeah, just to get through Christmas, I think. Yeah. But, hopefully, we all have enough savings to have that covered. Yeah. Yep. Yep. Yep. Yeah. That that's that's fine. Yeah. That's yeah, that's fine. Yes. Yeah. I I believe that would be the best option. Yeah. Cool. Thank you. Yep. Yep. No. I don't think so. You've answered all our questions we had written down. Yeah. That's all I got. Yep. Uh-huh. No. It's not my problem. Yeah. It won't be his problem, but that's okay. Yep. Yep. Yep. No. That's fine. Thank you. Yep. Yep. That'd be perfect. Thank you. Thank you. Yeah. We'll just look at that to start with. If something changes, we'll work it out later. No problem. I'll do I'll do I'll sign that tonight. Thank you. Thank you. Okay. Bye. Thank you. 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Michael. Good. Thank you. How are you? Zero.\n\nThat's getting old. Sounds like you're about 21. Well, it's close. Yeah. Yeah.\n\nNo problem at all. Yep. Yeah. Certainly. Michael Leslie Tozer.\n\nFifteenth to twelfth nineteen sixty six. I think I've changed the address to 1203 Dash 12 Emily Avenue, Surface Paradise. January. Yeah. No.\n\nIt's good. Yeah. Yeah. Yeah. Near near Northcrest Surf Club.\n\nIs that where that is? Walking distance everywhere. I've got my wife with me too, Jude. Hello? Good.\n\nThank you. Yep. What we plan is if well, I don't know how it works. If I take try and get some money out, do I can I keep working, or do I have to finish work to get money out? Yep.\n\nYeah. I want well, what I'm after is probably buy a new car and pay some debt off. Probably I don't know. 85,000, I think. Tell me buy a car or a 100,000 or something.\n\nI don't know what I've got in there. So I'm I'm guessing it's probably about a 140 or something in there. Yep. Yep. Yep.\n\nYep. Yes. Yes. I'm sitting in the car in the sun talking to you. No.\n\nYou're alright. Keep going. I got the AECOM on. Yep. Well, just I mean, probably just say a 100,000.\n\nI mean, not not get that much, and we'll just have to work it out what we wanna do. What I'm what what my plan is the way the way I govern, I don't know how true this is. If I get money out of my super, I have to finish work, and you can't work just how long can you go straight back to work? Find a job and go back to work? Well, that's what that's what I just said then.\n\nBut I I'm I'm planning to retire when I turn 60 on the December 15. Yes. Yes, boys. What what's my best what what do you think my best option is? Yep.\n\nYeah. Yeah. So I think that's the way I think that's the way to go. Yes. Yes.\n\nIt does. Now next what what's do I have to pay tax on that? Or what's Tax free. Tax free money, is it? Okay.\n\nThank you. So what what happens when I do it just says 60 or when I retire, you know, 67, does that take my pension or not? How does that work? Yep. Yep.\n\nAt 60. Okay. Yep. Yep. Yep.\n\nWhat just say I give just say we're well, add me a $100,000 and I give a a gift to my son, like, and do a bit of money. Does that do I pay tax on that or no? Yes. Okay. Yeah.\n\nPerfect. No. Thank you. Yes. Yep.\n\nYep. Yep. Okay. Yeah. Yeah.\n\nOkay. Well, I understand that now. Yeah. Thank you. That just makes sense.\n\nYep. Yep. Oh, you just you don't know because you've never done it. So That's not letting me ring because I said I'm I've been hearing, like, reading and hearing, and it just goes down a rabbit hole. So I just wanted to make sure that Cool.\n\nYeah. Exactly. Right. Right. So how much notice do I need to give when I obviously, I'm gonna finish when I'm 60 then.\n\nHow much notice do I need to give in that money going in my bank account? Yep. Yep. Will be the fifteenth of December. Certainly will be.\n\nDo I get that do I get that phone from where I work or what's Oh, you send it to me? Okay. Yes. Oh, the day before? Oh, fuck yeah.\n\nYep. Yep. Yep. Cool. Yep.\n\nThat's thank you. That's okay. Thank you. Yep. Yep.\n\nWhat what day is the fifth day? A Tuesday. That's obviously the fifth day. A Tuesday. No.\n\nNo. I'm gonna finish on my birthday. Okay. Yes. Yeah.\n\nSo what I what I'm what I hope to do is, you know, order a car beforehand and had them try to get us around my birthday. You know? That's what I'm asking. Oh, I don't know yet. Got no idea.\n\nPretty good. I I went over to BYD hybrid, but I we need to have a couple more cars tonight. Yes. Well, make it hang on. Just Yeah.\n\nIt will be What's the Thursday before? Because that's me. I have Friday, Saturdays off. Thursday. No.\n\nDon't worry. He works all day Sunday. Alright. I'll finish make it the tenth. I'll finish work on the tenth.\n\nYep. Yep. Yep. I can't I can't wait for that. I don't think I've ever worked my birthday.\n\nNo. I don't think I don't think you've ever worked anyway. That's right. Yes. So so just to recap, like, if he does because the job he's doing, he has an option to go back casual later on.\n\nSo he's a commercial cleaner. But that's what we were just concerned about. That he's, you know, like, he'd like to have at least three months off. And then, you know, if they want him back, he can go back. So that's not an issue, is it?\n\nIf he he goes back casually? So it's alright. And then that was our plan for him to him to pay more super because we won't have any debt. We'll have all our debts cleared. You know, we'll have the new car.\n\nWe won't have to And we're gonna have a holiday. We'll have a holiday. We'll have the new car, and we won't have any debt. So we'll be able to budget better with his income. And, unfortunately, I was supposed to work with him.\n\nSo And we'll have a new grandchild. So Yes. We'll have a new grandson. So that was yeah. Yes.\n\nBut, no, Rod. He's he's born in September, so we probably won't get to see him until Christmas anyhow. So yeah. So that would be great. Okay.\n\nThat's right. Yep. Yeah. Some of us are retired. Some have still got four years.\n\nSo So that's that's fine. But, no, thank you. You've been very helpful. Yep. This year this year, it'd be probably down a bit because I've had his He's had a condition where he keeps what what's it called?\n\nMeniere's disease, vertigo. So, like, he's yeah. And and he's just been tested, had a MRI today again. Yeah. So I think he's got something wrong with his balance in his ear, and he keeps fighting in that.\n\nSo he has his income's way down because he had, like, in September about nine weeks off. So, yeah, lucky we've managed to just stay afloat with our savings. But at the moment, that's the trouble. He's got no savings and because he's, you know, not working his full hours. But hopefully Reason forward will be July 1, he'll be back to normal.\n\nAnd as I said, then when he does retire, that will be, you know, going back casual will be he'll he doesn't have to work so much to get the same roughly the same income. Yeah. So that's the plan. Yeah. Yeah.\n\nYeah. That's that's fine. Yeah. Yeah. Yes.\n\nThat is right. Yeah. Yes. Yes. Yes.\n\nIt's all good. We got a couple of credit cards. Two credit cards and a personal one. And a and a personal one. Yeah.\n\nYes. $7.50 a weekly. Yeah. That's pretty good. All off to that?\n\nAll off to about 16,000 at the moment. So 9 thousand to the personal loan and the credit card is 5,000 and another one at 2. We will be closing the one of the credit cards when we Pay it off. Pay it off. We'll have one as a spare, but I I think it's the yeah.\n\nJust in case it's rainy day. Emergency. Still missing cash car. Same car. 15?\n\n15. 10 to 15. They're not worth not going much. Probably they're about $5,657,000. That's yeah.\n\nThat's That's that's on road, everything. So including on road. Is there. Well, that's what we're budgeting. Yeah.\n\nProbably, we're thinking about how he buys at Christmas Yeah. And meet the grandson. No. No. Thank you.\n\nYep. It is, isn't it? Alright. I don't know. Probably.\n\nPretty I think I'm in half at high risk and half know what we're doing. Okay. I can hold. I can't hold. Why why not?\n\nNo. I think we'll access our super. Yep. What it is is what it is. Can't do much about it.\n\nYes. Yeah. Yeah. I probably would be. Yep.\n\nYep. Yep. Yeah. That that makes sense. Yep.\n\nYep. Yep. Yep. Well, I think we've worked it out. We've got the rent and some utilities covered in that three months out of that Out of that money.\n\nLump sum we're taking out. Yep. Yeah. So yeah. Yep.\n\nYep. February. Probably February early February. Well, I have to do a a little trick in January. So Okay.\n\nYep. Next couple of days next couple of days if possible. So a week wouldn't hurt. Like, where it's not like as long as, yeah, we would get it. Well, I don't know.\n\nDepends on our savings. Then it depends on, yeah, when I get the car. The car is not the important thing, but, yeah, just to get through Christmas, I think. Yeah. But, hopefully, we all have enough savings to have that covered.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nThat that's that's fine. Yeah. That's yeah, that's fine. Yes. Yeah.\n\nI I believe that would be the best option. Yeah. Cool. Thank you. Yep.\n\nYep. No. I don't think so. You've answered all our questions we had written down. Yeah.\n\nThat's all I got. Yep. Uh-huh. No. It's not my problem.\n\nYeah. It won't be his problem, but that's okay. Yep. Yep. Yep.\n\nNo. That's fine. Thank you. Yep. Yep.\n\nThat'd be perfect. Thank you. Thank you. Yeah. We'll just look at that to start with.\n\nIf something changes, we'll work it out later. No problem. I'll do I'll do I'll sign that tonight. Thank you. Thank you.\n\nOkay. Bye. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Michael.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.03729303926229477},{"text":"Good.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5333653688430786},{"text":"Thank you.","start":6.7999997,"end":7.12,"sentiment":"positive","sentiment_score":0.5592901557683945},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.32628877957661945},{"text":"Zero.","start":17.414999,"end":17.735,"sentiment":"neutral","sentiment_score":-0.06533517688512802}],"sentiment":"neutral","sentiment_score":0.2933403245276875,"num_words":9,"start":0.48,"end":17.735},{"sentences":[{"text":"That's getting old.","start":17.735,"end":18.955,"sentiment":"neutral","sentiment_score":-0.27566292881965637},{"text":"Sounds like you're about 21.","start":26.57,"end":28.349998,"sentiment":"neutral","sentiment_score":0.008152101933956147},{"text":"Well, it's close.","start":32.25,"end":33.23,"sentiment":"neutral","sentiment_score":0.023627867301305134},{"text":"Yeah.","start":41.915,"end":42.155003,"sentiment":"neutral","sentiment_score":0.06782853603363037},{"text":"Yeah.","start":42.155003,"end":42.395,"sentiment":"neutral","sentiment_score":0.08258679509162903}],"sentiment":"neutral","sentiment_score":-0.043456103366154894,"num_words":13,"start":17.735,"end":42.395},{"sentences":[{"text":"No problem at all.","start":42.395,"end":43.195,"sentiment":"neutral","sentiment_score":0.1420539878308773},{"text":"Yep.","start":43.195,"end":43.695,"sentiment":"neutral","sentiment_score":0.13002073764801023},{"text":"Yeah.","start":52.315002,"end":52.715,"sentiment":"neutral","sentiment_score":0.13099601864814758},{"text":"Certainly.","start":52.715,"end":53.215,"sentiment":"neutral","sentiment_score":0.2221225798130035},{"text":"Michael Leslie Tozer.","start":64.71,"end":66.01,"sentiment":"neutral","sentiment_score":0.01696308081348737}],"sentiment":"neutral","sentiment_score":0.11022445298731327,"num_words":10,"start":42.395,"end":66.01},{"sentences":[{"text":"Fifteenth to twelfth nineteen sixty six.","start":66.71,"end":69.29,"sentiment":"neutral","sentiment_score":0.022261125190804403},{"text":"I think I've changed the address to 1203 Dash 12 Emily Avenue, Surface Paradise.","start":71.235,"end":76.535,"sentiment":"neutral","sentiment_score":0.03673032990523747},{"text":"January.","start":83.840004,"end":84.340004,"sentiment":"neutral","sentiment_score":0.045959874987602234},{"text":"Yeah.","start":90.0,"end":90.4,"sentiment":"neutral","sentiment_score":0.04277447238564491},{"text":"No.","start":90.4,"end":90.56,"sentiment":"neutral","sentiment_score":0.022918308153748512}],"sentiment":"neutral","sentiment_score":0.03301930544978898,"num_words":23,"start":66.71,"end":90.56},{"sentences":[{"text":"It's good.","start":90.56,"end":90.96,"sentiment":"neutral","sentiment_score":0.07907680049538612},{"text":"Yeah.","start":90.96,"end":91.46,"sentiment":"neutral","sentiment_score":0.09887602925300598},{"text":"Yeah.","start":96.275,"end":96.775,"sentiment":"neutral","sentiment_score":-0.010525569319725037},{"text":"Yeah.","start":97.875,"end":97.994995,"sentiment":"neutral","sentiment_score":0.009081587195396423},{"text":"Near near Northcrest Surf Club.","start":97.994995,"end":99.635,"sentiment":"neutral","sentiment_score":0.03263681679964066}],"sentiment":"neutral","sentiment_score":0.04187697321176529,"num_words":10,"start":90.56,"end":99.635},{"sentences":[{"text":"Is that where that is?","start":99.635,"end":100.775,"sentiment":"neutral","sentiment_score":0.022852943278849125},{"text":"Walking distance everywhere.","start":106.675,"end":107.975,"sentiment":"neutral","sentiment_score":0.2770827462275823},{"text":"I've got my wife with me too, Jude.","start":111.13,"end":113.23,"sentiment":"neutral","sentiment_score":0.20758876018226147},{"text":"Hello?","start":116.49,"end":116.97,"sentiment":"neutral","sentiment_score":0.08213487267494202},{"text":"Good.","start":116.97,"end":117.13,"sentiment":"neutral","sentiment_score":0.2430919110774994}],"sentiment":"neutral","sentiment_score":0.16285832334930697,"num_words":18,"start":99.635,"end":117.13},{"sentences":[{"text":"Thank you.","start":117.13,"end":117.87,"sentiment":"positive","sentiment_score":0.376783087849617},{"text":"Yep.","start":126.815,"end":127.315,"sentiment":"neutral","sentiment_score":0.24044868350028992},{"text":"What we plan is if well, I don't know how it works.","start":139.83,"end":142.79001,"sentiment":"neutral","sentiment_score":-0.04809036726752917},{"text":"If I take try and get some money out, do I can I keep working, or do I have to finish work to get money out?","start":142.79001,"end":149.53,"sentiment":"neutral","sentiment_score":-0.05243286175223497},{"text":"Yep.","start":183.005,"end":183.505,"sentiment":"neutral","sentiment_score":0.3127962350845337}],"sentiment":"neutral","sentiment_score":-0.01508399329724766,"num_words":42,"start":117.13,"end":183.505},{"sentences":[{"text":"Yeah.","start":191.645,"end":191.965,"sentiment":"neutral","sentiment_score":0.01750856637954712},{"text":"I want well, what I'm after is probably buy a new car and pay some debt off.","start":191.965,"end":196.305,"sentiment":"neutral","sentiment_score":0.006368048598661143},{"text":"Probably I don't know.","start":202.84,"end":205.88,"sentiment":"neutral","sentiment_score":-0.0837123915553093},{"text":"85,000, I think.","start":205.88,"end":207.08,"sentiment":"neutral","sentiment_score":-0.04891776666045189},{"text":"Tell me buy a car or a 100,000 or something.","start":207.08,"end":209.0,"sentiment":"neutral","sentiment_score":-0.06098388470709324}],"sentiment":"neutral","sentiment_score":-0.027590752020478247,"num_words":35,"start":191.645,"end":209.0},{"sentences":[{"text":"I don't know what I've got in there.","start":209.0,"end":210.28,"sentiment":"neutral","sentiment_score":-0.11934314947575331},{"text":"So I'm I'm guessing it's probably about a 140 or something in there.","start":210.28,"end":218.055,"sentiment":"neutral","sentiment_score":0.01907862350344658},{"text":"Yep.","start":234.23999,"end":234.73999,"sentiment":"neutral","sentiment_score":0.07835348695516586},{"text":"Yep.","start":291.21997,"end":291.71997,"sentiment":"neutral","sentiment_score":0.1150774583220482},{"text":"Yep.","start":319.03,"end":319.53,"sentiment":"neutral","sentiment_score":-0.024672022089362144}],"sentiment":"neutral","sentiment_score":-0.022415173628057044,"num_words":24,"start":209.0,"end":319.53},{"sentences":[{"text":"Yep.","start":338.43002,"end":338.93002,"sentiment":"neutral","sentiment_score":-0.028283819556236267},{"text":"Yes.","start":368.32,"end":368.64,"sentiment":"neutral","sentiment_score":0.09198293089866638},{"text":"Yes.","start":368.64,"end":369.14,"sentiment":"neutral","sentiment_score":0.10592253506183624},{"text":"I'm sitting in the car in the sun talking to you.","start":377.76,"end":380.66,"sentiment":"neutral","sentiment_score":-0.06607208875092593},{"text":"No.","start":385.73502,"end":385.815,"sentiment":"neutral","sentiment_score":-0.24330899119377136}],"sentiment":"neutral","sentiment_score":-0.05336535473664602,"num_words":15,"start":338.43002,"end":385.815},{"sentences":[{"text":"You're alright.","start":385.815,"end":386.375,"sentiment":"neutral","sentiment_score":-0.13282476365566254},{"text":"Keep going.","start":386.375,"end":387.11502,"sentiment":"neutral","sentiment_score":0.006436489522457123},{"text":"I got the AECOM on.","start":387.335,"end":388.715,"sentiment":"neutral","sentiment_score":0.052435947209596635},{"text":"Yep.","start":400.95,"end":401.45,"sentiment":"neutral","sentiment_score":0.07031063735485077},{"text":"Well, just I mean, probably just say a 100,000.","start":412.095,"end":416.75497,"sentiment":"neutral","sentiment_score":-0.07579666293329662}],"sentiment":"neutral","sentiment_score":-0.0317082179612235,"num_words":19,"start":385.815,"end":416.75497},{"sentences":[{"text":"I mean, not not get that much, and we'll just have to work it out what we wanna do.","start":417.69498,"end":421.79498,"sentiment":"neutral","sentiment_score":-0.17061311281041094},{"text":"What I'm what what my plan is the way the way I govern, I don't know how true this is.","start":431.31,"end":435.87,"sentiment":"neutral","sentiment_score":-0.1940796583890915},{"text":"If I get money out of my super, I have to finish work, and you can't work just how long can you go straight back to work?","start":435.87,"end":441.685,"sentiment":"neutral","sentiment_score":-0.2828384946893763},{"text":"Find a job and go back to work?","start":441.685,"end":443.225,"sentiment":"neutral","sentiment_score":-0.10504807624965906},{"text":"Well, that's what that's what I just said then.","start":479.91498,"end":482.175,"sentiment":"neutral","sentiment_score":0.022084958851337433}],"sentiment":"neutral","sentiment_score":-0.18556026082081967,"num_words":83,"start":417.69498,"end":482.175},{"sentences":[{"text":"But I I'm I'm planning to retire when I turn 60 on the December 15.","start":493.25,"end":497.51,"sentiment":"neutral","sentiment_score":0.06117136801282565},{"text":"Yes.","start":506.415,"end":506.915,"sentiment":"neutral","sentiment_score":0.11639834195375444},{"text":"Yes, boys.","start":508.89502,"end":509.635,"sentiment":"neutral","sentiment_score":0.058998800814151764},{"text":"What what's my best what what do you think my best option is?","start":552.9,"end":556.28,"sentiment":"neutral","sentiment_score":-0.10813923065478985},{"text":"Yep.","start":582.64,"end":583.14,"sentiment":"neutral","sentiment_score":0.024800783023238186}],"sentiment":"neutral","sentiment_score":-0.00715758599108085,"num_words":32,"start":493.25,"end":583.14},{"sentences":[{"text":"Yeah.","start":599.92,"end":600.42,"sentiment":"neutral","sentiment_score":0.07297444343566895},{"text":"Yeah.","start":610.4,"end":610.64,"sentiment":"neutral","sentiment_score":0.057528674602508545},{"text":"So I think that's the way I think that's the way to 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work?","start":679.885,"end":680.865,"sentiment":"neutral","sentiment_score":0.007632749737240374},{"text":"Yep.","start":688.925,"end":689.425,"sentiment":"neutral","sentiment_score":0.02918628975749016},{"text":"Yep.","start":700.08,"end":700.48,"sentiment":"neutral","sentiment_score":0.000900337181519717}],"sentiment":"neutral","sentiment_score":0.014688944618683308,"num_words":33,"start":664.87,"end":700.48},{"sentences":[{"text":"At 60.","start":700.48,"end":701.22003,"sentiment":"neutral","sentiment_score":-0.030765493400394917},{"text":"Okay.","start":705.135,"end":705.635,"sentiment":"neutral","sentiment_score":0.03151337429881096},{"text":"Yep.","start":722.63,"end":723.13,"sentiment":"neutral","sentiment_score":0.18141168355941772},{"text":"Yep.","start":747.74,"end":748.24,"sentiment":"neutral","sentiment_score":0.11424656212329865},{"text":"Yep.","start":768.54504,"end":768.99,"sentiment":"positive","sentiment_score":0.6800079345703125}],"sentiment":"neutral","sentiment_score":0.157608094625175,"num_words":6,"start":700.48,"end":768.99},{"sentences":[{"text":"What just say I give just say we're well, add me a $100,000 and I give a a gift to my son, like, and do a bit of money.","start":771.31,"end":779.87,"sentiment":"neutral","sentiment_score":0.04762518328839335},{"text":"Does that do I pay tax on that or 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letting me ring because I said I'm I've been hearing, like, reading and hearing, and it just goes down a rabbit hole.","start":875.39764,"end":883.06995,"sentiment":"neutral","sentiment_score":-0.22911175698041916},{"text":"So I just wanted to make sure that Cool.","start":883.29,"end":889.38995,"sentiment":"neutral","sentiment_score":0.09310814779665735}],"sentiment":"neutral","sentiment_score":-0.12275041726992485,"num_words":47,"start":870.3963,"end":889.38995},{"sentences":[{"text":"Yeah.","start":926.675,"end":927.175,"sentiment":"neutral","sentiment_score":-0.03389327973127365},{"text":"Exactly.","start":928.77,"end":929.27,"sentiment":"neutral","sentiment_score":0.09538733959197998},{"text":"Right.","start":933.57,"end":934.07,"sentiment":"neutral","sentiment_score":0.09839314222335815},{"text":"Right.","start":934.37,"end":934.69,"sentiment":"neutral","sentiment_score":0.0682639479637146},{"text":"So how much notice do I need to give when I obviously, I'm gonna finish when I'm 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about how he buys at Christmas Yeah.","start":1563.895,"end":1566.575,"sentiment":"neutral","sentiment_score":0.07884023562073708},{"text":"And meet the grandson.","start":1566.695,"end":1567.595,"sentiment":"neutral","sentiment_score":0.15939775109291077},{"text":"No.","start":1582.0,"end":1582.1599,"sentiment":"neutral","sentiment_score":-0.049398817121982574},{"text":"No.","start":1582.1599,"end":1582.5599,"sentiment":"neutral","sentiment_score":-0.03793895989656448},{"text":"Thank you.","start":1582.5599,"end":1583.2999,"sentiment":"neutral","sentiment_score":0.06574616208672523}],"sentiment":"neutral","sentiment_score":0.0816748837629954,"num_words":18,"start":1563.895,"end":1583.2999},{"sentences":[{"text":"Yep.","start":1618.975,"end":1619.475,"sentiment":"neutral","sentiment_score":0.02860371582210064},{"text":"It is, isn't 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money.","start":1932.6549,"end":1939.74,"sentiment":"neutral","sentiment_score":0.04870620918901343}],"sentiment":"neutral","sentiment_score":0.05646954393335458,"num_words":29,"start":1909.89,"end":1939.74},{"sentences":[{"text":"Lump sum we're taking out.","start":1939.82,"end":1941.4199,"sentiment":"neutral","sentiment_score":0.03748918734490871},{"text":"Yep.","start":1941.4199,"end":1941.9199,"sentiment":"neutral","sentiment_score":0.05629090592265129},{"text":"Yeah.","start":1942.38,"end":1942.62,"sentiment":"neutral","sentiment_score":0.10427255928516388},{"text":"So 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you.","start":2257.035,"end":2257.775,"sentiment":"positive","sentiment_score":0.3750201016664505},{"text":"Yep.","start":2275.73,"end":2276.23,"sentiment":"neutral","sentiment_score":0.18606647849082947},{"text":"Yep.","start":2279.6948,"end":2279.775,"sentiment":"neutral","sentiment_score":0.1738128960132599}],"sentiment":"neutral","sentiment_score":0.19286387573395455,"num_words":7,"start":2256.155,"end":2279.775},{"sentences":[{"text":"That'd be perfect.","start":2279.775,"end":2280.655,"sentiment":"positive","sentiment_score":0.5183932681878408},{"text":"Thank you.","start":2280.655,"end":2281.395,"sentiment":"positive","sentiment_score":0.5837697684764862},{"text":"Thank you.","start":2281.855,"end":2282.595,"sentiment":"positive","sentiment_score":0.6189062297344208},{"text":"Yeah.","start":2305.2449,"end":2305.4849,"sentiment":"neutral","sentiment_score":0.09005605429410934},{"text":"We'll just look at that to start 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you.","start":2335.815,"end":2336.635,"sentiment":"positive","sentiment_score":0.7370480000972748}],"sentiment":"neutral","sentiment_score":0.2325349673628807,"num_words":22,"start":2307.005,"end":2336.635},{"sentences":[{"text":"Okay.","start":2336.935,"end":2337.435,"sentiment":"neutral","sentiment_score":0.2879968285560608},{"text":"Bye.","start":2337.4949,"end":2337.815,"sentiment":"neutral","sentiment_score":0.25060757994651794},{"text":"Thank you.","start":2337.815,"end":2338.635,"sentiment":"neutral","sentiment_score":0.2927224487066269},{"text":"Bye.","start":2338.695,"end":2339.195,"sentiment":"neutral","sentiment_score":0.17537882924079895}],"sentiment":"neutral","sentiment_score":0.2598856270313263,"num_words":5,"start":2336.935,"end":2339.195}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello,\n\nChannel 0: Uh-huh.\n\nChannel 1: Michael.\n\nChannel 0: Hi, Michael. It's Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of an annual review and a bit of a chat around. You're turning 60 soon. Is now still a good time there for you?\n\nChannel 1: Zero. That's getting old.\n\nChannel 0: No. Not at all. Please do not think that in any way, shape, or form. 60 is a great age.\n\nChannel 1: Sounds like you're about 21.\n\nChannel 0: I'm not. I can promise you I'm actually 41. So\n\nChannel 1: Well, it's\n\nChannel 0: by\n\nChannel 1: close.\n\nChannel 0: no means, I I sound young. They're all good, Michael. Is now still a good time for a bit of a chat and an update?\n\nChannel 1: Yeah. Yeah. No problem at all. Yep.\n\nChannel 0: Yep. Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Certainly.\n\nChannel 0: Fantastic. And just to do security there as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Michael Leslie Tozer. Fifteenth\n\nChannel 0: Yep.\n\nChannel 1: to twelfth nineteen sixty six. I think I've changed the address to 1203 Dash 12 Emily Avenue, Surface Paradise.\n\nChannel 0: Yep. That's the one. Yeah. Perfect. Lovely.\n\nWhen did when did you move?\n\nChannel 1: January.\n\nChannel 0: Oh, fantastic. And how's it been going? Everything nice? Enjoy the new place?\n\nChannel 1: Yeah. No. It's good. Yeah.\n\nChannel 0: Oh, that's good. That's good. Are you sort of riding the hottest service? Is it quite\n\nChannel 1: Yeah.\n\nChannel 0: busy where you are?\n\nChannel 1: Yeah. Near near Northcrest Surf Club. Is that where that is?\n\nChannel 0: Yeah. I do. Wow. Very I mean, good position. Great location.\n\nChannel 1: Walking distance everywhere.\n\nChannel 0: Absolutely.\n\nChannel 1: I've\n\nChannel 0: All\n\nChannel 1: got my\n\nChannel 0: good.\n\nChannel 1: wife with me too, Jude.\n\nChannel 0: Oh, perfect. Hi, Judith. How are you?\n\nChannel 1: Hello? Good. Thank you.\n\nChannel 0: That's good. Now I know part of what you wanted to discuss today, Michael, was about you turning 60 moving forward there as well.\n\nChannel 1: Yep.\n\nChannel 0: Is there anything else specifically that you wanted me to sort of talk about or touch on as part of the review when you're turning 60? What's kind of the plan when you turn 60? Are you hoping to keep working or retire, or what's what's the plan moving forward so far for yourself?\n\nChannel 1: What we plan is if well, I don't know how it works. If I take try and get some money out, do I can I\n\nChannel 0: Yep.\n\nChannel 1: keep working, or do I have to finish work to get money out?\n\nChannel 0: Access and money. Yeah. Perfect. So, essentially, under the legislation, once you turn 60, you can access your full super, fully tax free as long as you are fully retired. So if you plan to stop working with the intention of not going back to work, you can access all of your super.\n\nThe alternative is we can do what's called a transition to retirement account where you can access up to 10% of the balance that is transferred into a pension account. We do have to leave at least 10,000 behind in a super account to accumulation phase, but\n\nChannel 1: Yep.\n\nChannel 0: you can access up to 10% of your balance that way as well. Is there a specific amount that you're sort of looking to try and access? Or\n\nChannel 1: Yeah. I want well, what I'm after is probably buy a new car and pay some debt off.\n\nChannel 0: yeah. Yeah. Nice. Nice. And how much do you think you might need for that?\n\nChannel 1: Probably I don't know. 85,000, I think. Tell me buy a car or a 100,000 or something. I don't know what I've got in there. So\n\nChannel 0: Yeah. No. That's okay. So let's have a bit of a look at how your super is at\n\nChannel 1: I'm\n\nChannel 0: the moment.\n\nChannel 1: I'm\n\nChannel 0: So\n\nChannel 1: guessing\n\nChannel 0: I do have\n\nChannel 1: it's probably about a 140 or something in there.\n\nChannel 0: actually, very close, honestly. You've got a a balance at the moment of a 148,026 and 97¢ there. So it has definitely gone up. When I have a look at the balance as of last year, this time last year, your balance then was a 124,004\n\nChannel 1: Yep.\n\nChannel 0: 83 and 58¢. So your balance has definitely increased on last year, which is good. When I have a look at the performance of the investments there as well, the net return, so after fees, Your portfolio has returned 11.47. So it is good you have seen that increase over the last twelve months. Earnings as a dollar figure, some people prefer a dollar figure over an as percentage.\n\nI'm so sorry. So the earnings as a dollar figure means that you've earned about 17,864 in growth plus income in the year. So it is good. You are definitely seeing an increase from where you were last year. The portfolio has been working very nicely there.\n\nAnd even with what's been I know you probably heard what's been happening in the news globally with The US and the Iran war and the high interest rate here, so that all has had a bit of an up and down effect on the market this year, but you've come up with a positive return, so it is good to see.\n\nChannel 1: Yep.\n\nChannel 0: I am I did have a bit of a look at your portfolio prior to you having the phone call with me today, and I can sort of see there that, obviously, you are, sorry, you are one of your investments has underperformed a little bit in the year as much as you've come out on top with a positive result. There is one of your investments that has been a bit down, a bit underperforming there, and that's the band along Australian equities portion of your portfolio. So when that\n\nChannel 1: Yep.\n\nChannel 0: was put in your portfolio originally, it was meant to be more of an actively managed fund. So the idea of that investment manager is they're trying to outperform against the market and get greater returns for you. They're supposed to be buying and selling in a you know, picking the market, timing it, and picking investments that are valued low and trying to sell\n\nChannel 1: Yep.\n\nChannel 0: high and things like that. They haven't unfortunately been able to do that this year, and they've had some underlying issues there. So it is one that I would like to maybe look at moving out. But as a whole, if you're also looking to access some funds there, we might look at updating the advice and maybe looking at how how you can access those funds around December, what that looks like for your long term goals, and maybe look at updating the investments as a whole. Does that sound okay?\n\nYou'd like to maybe do that a whole advice piece there?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Oh, good. Do you happen to have access to your emails at the moment? Are you currently driving or just not at your computer? Or\n\nChannel 1: I'm sitting in the car in the sun talking to you.\n\nChannel 0: oh. Oh, did you wanna find a shady spot? I don't want you to sit in the sun.\n\nChannel 1: No. You're alright.\n\nChannel 0: You're\n\nChannel 1: Keep\n\nChannel 0: okay?\n\nChannel 1: going. I got the AECOM on.\n\nChannel 0: Oh, beautiful. Beautiful. All good. So, look, if we are looking to maybe update the advice there and have a look at things, I would like to maybe look at removing that investment if it's viable to do so, look at\n\nChannel 1: Yep.\n\nChannel 0: maybe seeing how that tracks over the next sort of essentially six months towards December there. And so you've mentioned that you're looking to maybe access about 80,000. Is that right?\n\nChannel 1: Well, just I mean, probably\n\nChannel 0: Okay.\n\nChannel 1: just say a 100,000. I mean, not not get that much, and we'll just have to work it out what we wanna do.\n\nChannel 0: Yeah. So, realistically, if we are you planning to maybe\n\nChannel 1: What I'm what what my plan is the way the way I govern, I don't know how true this is. If I get money out of my super, I have to finish work, and you can't work\n\nChannel 0: Mhmm.\n\nChannel 1: just how long can you go straight back to work? Find a job and go back\n\nChannel 0: Yeah.\n\nChannel 1: to work?\n\nChannel 0: Yeah. So, look, essentially, for you to access your super, you just have the you have to have the intention to retire. So you'd be have to be willing to stop working with the intention of not going back to work again. However, if you then open a pension account and start accessing your super and then next week you find you have been offered a job and you wanna go back to work or say you are bored of retirement, there's absolutely nothing wrong with that. However, for me to be able to do the advice and to look at drawing out that kind of amount of money for you, it is essentially you saying, hey.\n\nI'm planning to retire. I'm gonna be retired at this stage. I'm not planning to go back to work. After\n\nChannel 1: Well, that's\n\nChannel 0: that\n\nChannel 1: what\n\nChannel 0: time,\n\nChannel 1: that's\n\nChannel 0: if\n\nChannel 1: what\n\nChannel 0: you then\n\nChannel 1: I just\n\nChannel 0: get\n\nChannel 1: said\n\nChannel 0: a job,\n\nChannel 1: then.\n\nChannel 0: that's up to you. But there's nothing to stop you. You don't have to stay retired. Many retired people get bored and go back to work, and that's absolutely fine. It's completely up to you.\n\nYeah.\n\nChannel 1: But I\n\nChannel 0: Is\n\nChannel 1: I'm\n\nChannel 0: that\n\nChannel 1: I'm\n\nChannel 0: kind\n\nChannel 1: planning\n\nChannel 0: of\n\nChannel 1: to\n\nChannel 0: what\n\nChannel 1: retire when I turn 60 on the December 15.\n\nChannel 0: beautiful. Beautiful. Did you want me to update the personal advice piece to factor in that withdrawal and then, obviously, the long term effect on your super and how we\n\nChannel 1: Yes.\n\nChannel 0: look at maybe building your balance back up, you know, after\n\nChannel 1: Yes,\n\nChannel 0: that?\n\nChannel 1: boys.\n\nChannel 0: Or, yep, that's okay. Yeah. Yeah. That's okay. Not a problem.\n\nThe others the other option is if you wanted to, you can do it as another, yeah, another side of things is I can just do the advice to sort of reflect the change in the investments now. And then when you turn 60, you can just call us, request the withdrawal as a transaction without seeking advice and just confirm that you have retired. Did you want me to go down the personal advice route and do it as a whole document for you now, or did you wanna maybe look at just requesting a withdrawal in December and we just look at you you're super in kind of investment switching and things like that now? What would you like me to do?\n\nChannel 1: What what's my best what what do you think my best option is?\n\nChannel 0: Realistically, the advice document would be around because we have about six months, I could do the investment switch now, look at what we're projecting your super to be based on the growth over the next sort of six months. We could then look at, you know, you retiring and opening a pension, drawing the 100,000 down, but then I\n\nChannel 1: Yep.\n\nChannel 0: could not factor in any additional contributions after that because, essentially, you are retired. But then again in December, we can always come back and do a new advice piece if you decide to go back to work after that point to then look at how to build your super back up again because you\n\nChannel 1: Yeah.\n\nChannel 0: will still have money left in super by taking a $100 out. You've got a 148 there now and six months of additional growth and income to to come as well plus contributions. Would that\n\nChannel 1: Yeah.\n\nChannel 0: be\n\nChannel 1: So\n\nChannel 0: okay? Yes?\n\nChannel 1: I think that's the way I think that's the way to go. Yes.\n\nChannel 0: Beautiful. Look. You are a client of ours. You pay the ongoing service fee, so I can do as many advice pieces as you want. But right now, it just sort of means that I can look at your investments, look at how best the structure is for you to help you work over the next six months.\n\nWe factor in the withdrawal, what's expected after that withdrawal, and then we'll note in there that we'll meet again in December to look at what changes the circumstances are, and we'll keep the advice evolving from there. Does that sound okay with you?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yeah. Beautiful. Excellent. And\n\nChannel 1: Now\n\nChannel 0: you'd be\n\nChannel 1: next\n\nChannel 0: comfortable yeah. You're right. Go for it. Sorry.\n\nChannel 1: what what's do I have to pay tax on that? Or what's Tax free.\n\nChannel 0: So\n\nChannel 1: Tax\n\nChannel 0: if\n\nChannel 1: free\n\nChannel 0: you\n\nChannel 1: money,\n\nChannel 0: are\n\nChannel 1: is it?\n\nChannel 0: it is. If you are 60 and you have retired, you get access to the money tax free. Correct?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Yeah. It's nice, isn't it? You've worked all this time, and you get a you get that money out tax free.\n\nChannel 1: So what what happens when I do it just says 60 or when I retire,\n\nChannel 0: Yep.\n\nChannel 1: you know,\n\nChannel 0: Yeah.\n\nChannel 1: 67,\n\nChannel 0: Yep. Yep.\n\nChannel 1: does that take my pension or not? How does that work?\n\nChannel 0: At 67? Well, you're only 60 this year, so you do have essentially seven years until you're eligible for the age pension through Centrelink. But\n\nChannel 1: Yep.\n\nChannel 0: when you get to age seven, Centrelink look at your assets and liabilities at the time of your application. So if you have taken a 100,000 out of super at 60\n\nChannel 1: Yep. At\n\nChannel 0: and\n\nChannel 1: 60.\n\nChannel 0: that money is gone, they're not gonna assess that. So when you go to do the\n\nChannel 1: Okay.\n\nChannel 0: age pension application at 67, they wanna see what you have available to your super balance at age 67 plus any other your car, your boat, your caravan. They wanna see any investments you might have. They'll look at your bank accounts. They'll look at all the other things there. Your\n\nChannel 1: Yep.\n\nChannel 0: house is fully exempt as long as it's more under two two hectares, which in some products would absolutely be. So, yeah, essentially, it's not a problem on the age pension side of things at age 67. And when you get to that point, Michael, let me know. I can look at both yourself and Judith as a whole unit, and we can look at age pension eligibility. I do a lot of that here.\n\nSo we can look\n\nChannel 1: Yep.\n\nChannel 0: at age pension eligibility, what that looks like for you, how that works, what super you guys have that we can maybe replenish for, because age pension isn't a lot of money. It doesn't really cover everything we need. So having a little bit of super there to sort of back you up and and provide some additional support isn't a bad thing, but I do a lot of that advice here as well and\n\nChannel 1: Yep.\n\nChannel 0: can absolutely help you along that way.\n\nChannel 1: What just say I give just say we're well,\n\nChannel 0: But\n\nChannel 1: add me a $100,000 and I give a a gift to my son, like, and do a bit of money. Does that do I pay tax on that or\n\nChannel 0: no. No. But when they receive the funds, if they invest the money or if they put the money into a\n\nChannel 1: no?\n\nChannel 0: bank account and earn income, they pay tax on what they\n\nChannel 1: Yes.\n\nChannel 0: do\n\nChannel 1: Okay.\n\nChannel 0: with the funds. Yeah.\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: But,\n\nChannel 1: No. Thank\n\nChannel 0: essentially,\n\nChannel 1: you.\n\nChannel 0: yeah, that's okay. So with gifting, it's really also important to know that Centrelink has certain rules around gifting. So under the Centrelink rules, if you are going to gift anything, they have a five year rule. So gifting before, essentially, the age of 62 is preferable because any gifting\n\nChannel 1: Yes.\n\nChannel 0: between 62 to 67, they're gonna ask you in the application, have you gifted any money? And they have gifting rules. So, essentially, under their rules, you can gift up to 10,000 per year or 30,000 over a five year period, but no more than 10,000 per year. So as an example, over five years, if you wanted to give your three kids $30,000, say 10,000 each, you would have to do 10,000 increments each financial year.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: over five years, you can't go over that $30,000 mark.\n\nChannel 1: Yep.\n\nChannel 0: If you do, Centrelink assess you as having that that extra money over the the threshold of 30,000. They assess you with still having that money, and it accounts to and can reduce your pension payments. So even\n\nChannel 1: Okay.\n\nChannel 0: though you don't\n\nChannel 1: Yeah.\n\nChannel 0: have that money left, they still assess you with holding\n\nChannel 1: Yeah.\n\nChannel 0: it, essentially.\n\nChannel 1: Okay. Well,\n\nChannel 0: Yeah.\n\nChannel 1: I understand that now. Yeah. Thank\n\nChannel 0: That's\n\nChannel 1: you.\n\nChannel 0: all good.\n\nChannel 1: That just\n\nChannel 0: That's\n\nChannel 1: makes\n\nChannel 0: alright.\n\nChannel 1: sense. Yep. Yep. Oh, you just\n\nChannel 0: There's a lot\n\nChannel 1: you\n\nChannel 0: of rules\n\nChannel 1: don't\n\nChannel 0: involved\n\nChannel 1: know\n\nChannel 0: there,\n\nChannel 1: because\n\nChannel 0: isn't\n\nChannel 1: you've\n\nChannel 0: it?\n\nChannel 1: never done it. So That's not letting me ring because\n\nChannel 0: No.\n\nChannel 1: I said I'm I've been hearing, like, reading and hearing, and it just goes down a rabbit hole.\n\nChannel 0: Yeah.\n\nChannel 1: So I\n\nChannel 0: Oh,\n\nChannel 1: just wanted\n\nChannel 0: I\n\nChannel 1: to\n\nChannel 0: know.\n\nChannel 1: make sure\n\nChannel 0: Well,\n\nChannel 1: that\n\nChannel 0: absolutely. Yeah. Alright.\n\nChannel 1: Cool.\n\nChannel 0: All good. Well, you guys you guys are welcome to ask any questions you have, especially around that side of thing there too, Drew. If there's anything that you're after no. Your annual review is coming up shortly as well. So I definitely wanna have a look at it where everything's going for yourself and maybe look at any advice that we need to update for you as well.\n\nBut, yeah, realistically, if even if you have any questions about ScentLink, you hear anything that you're concerned about, give me a call or send an email or ring us, and my team will book you in, or they'll get me to send an email, whatever you're preferable, that you're welcome to ask those sorts of questions because there's a lot of information out there. A lot of it's a lot of hard to decipher, and Centrelink is just difficult\n\nChannel 1: Yeah.\n\nChannel 0: to talk to as a whole. So having\n\nChannel 1: Exactly.\n\nChannel 0: people here like us to be able to help you with that is absolutely my area. Okay?\n\nChannel 1: Right. Right. So how much notice do I need to give when I obviously, I'm gonna finish when I'm 60 then.\n\nChannel 0: Yep.\n\nChannel 1: How much notice do I need to give in that money going in my bank account?\n\nChannel 0: So what we will essentially do as part of the advice, if you like, I will set it up that in as part of the advice, we'll look at the investments, look at growing your super over the next six months, and then consider in the withdrawal out. With the withdrawal, because I'll add it into the advice piece, which will just take me a couple of weeks to get sorted, and\n\nChannel 1: Yep.\n\nChannel 0: I'll let my team will book you back and negotiate that together so you and I can see it. But\n\nChannel 1: Yep.\n\nChannel 0: what'll happen is my team will put a little calendar invite in mine and their calendar, and they'll give you a call. We can do it, say, a week out from when you turn 60. You just need to confirm that you have retired because they're gonna ask you to confirm your last day of work\n\nChannel 1: Will\n\nChannel 0: and\n\nChannel 1: be\n\nChannel 0: your\n\nChannel 1: the fifteenth\n\nChannel 0: site use\n\nChannel 1: of December.\n\nChannel 0: December 15. Beautiful.\n\nChannel 1: Certainly will be.\n\nChannel 0: Lovely. It says you would just have to sign a form and a declaration to confirm that you are retired as of the December 15. On the\n\nChannel 1: Do\n\nChannel 0: fifteenth,\n\nChannel 1: I get that\n\nChannel 0: if you're comfortable sorry. You're right.\n\nChannel 1: do I get that phone from where I work or what's\n\nChannel 0: No. It's it's just a declaration that we get for you from your super fund. Yeah.\n\nChannel 1: Oh,\n\nChannel 0: It's\n\nChannel 1: you\n\nChannel 0: just\n\nChannel 1: send\n\nChannel 0: taking\n\nChannel 1: it to\n\nChannel 0: a\n\nChannel 1: me? Okay. Yes.\n\nChannel 0: yep. We'll send it out to you. Are you happy with us sending to you on the fifteenth on your birthday, or would you like it the next day maybe?\n\nChannel 1: Oh, the day before?\n\nChannel 0: We can, but it can't be signed until the actual day. So the\n\nChannel 1: Oh,\n\nChannel 0: other\n\nChannel 1: fuck\n\nChannel 0: side\n\nChannel 1: yeah.\n\nChannel 0: of it, yeah, so it has to be signed on the fifteenth. So I'd be more it'd probably be better. We can have it done up ready to go the day before, but we send it to you on the morning at the fifteenth. My team\n\nChannel 1: Yep.\n\nChannel 0: can give you a call, say happy birthday. Welcome to sixty, Michael. Sign that box for us. And then when that comes back, we can have that put in place. It does take the super fund a couple of days to have everything set up and the withdrawal\n\nChannel 1: Yep.\n\nChannel 0: completed for you.\n\nChannel 1: Yep.\n\nChannel 0: But we can definitely work to do that. We do go on leave around about the twentieth, and I'll double check the dates. But we'll work with you to make sure that withdrawal is processed as quickly as possible before we leave for the Christmas break so you can get those funds out. Okay?\n\nChannel 1: Cool. Yep. That's thank\n\nChannel 0: Yeah.\n\nChannel 1: you. That's\n\nChannel 0: That's\n\nChannel 1: okay. Thank\n\nChannel 0: okay.\n\nChannel 1: you.\n\nChannel 0: But, yeah, because I'm putting it in the advice piece and we're factoring that in for you, that essentially we'll we'll organize and give you a call on the day. We'll organize the forms. You've just gotta be comfortable signing them. And, yes,\n\nChannel 1: Yep.\n\nChannel 0: just comfortable with the declaration. We'll essentially be ticking a box and say you're 60 and fully retired. It'll last for your last day of work,\n\nChannel 1: Yep.\n\nChannel 0: which realistically yeah. You're just you're happy with the fifteenth as your last day of work. That's or do you wanna take the day your birthday off and have maybe the day before off?\n\nChannel 1: What what day is the fifth day? A Tuesday. That's\n\nChannel 0: The\n\nChannel 1: obviously\n\nChannel 0: fifteenth is\n\nChannel 1: the fifth\n\nChannel 0: a month\n\nChannel 1: day.\n\nChannel 0: the fifteenth is a yeah.\n\nChannel 1: A Tuesday.\n\nChannel 0: I think it is a Tuesday. Yeah. Did you wanna retire maybe this Friday?\n\nChannel 1: No. No. I'm gonna finish on my birthday. Okay.\n\nChannel 0: Perfect. So we'll put down that the fifteenth is your last day\n\nChannel 1: Yes.\n\nChannel 0: of work, and that'll be\n\nChannel 1: Yeah.\n\nChannel 0: submitted. Beautiful.\n\nChannel 1: So what\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: super\n\nChannel 1: what I'm what I hope to do is, you know, order a car beforehand\n\nChannel 0: Yep.\n\nChannel 1: and had them try to get us around my birthday. You know? That's what I'm asking.\n\nChannel 0: Yeah. That's okay. What kind of car are you planning on getting?\n\nChannel 1: Oh, I don't know yet. Got no idea. Pretty good. I I went over to BYD\n\nChannel 0: Yep.\n\nChannel 1: hybrid, but I we need to have a couple more cars tonight.\n\nChannel 0: Yeah. Yep. That's okay. What I will do as part of the research is I will just confirm with Hub twenty four, they're happy with you retiring on your birthday. They might sort of ask if you can maybe retire the day before, say, the fourteenth.\n\nThat way,\n\nChannel 1: Yes.\n\nChannel 0: we're submitting the form and you have retired. Would you be comfortable doing it that way? Would you be comfortable finishing one day earlier maybe?\n\nChannel 1: Well, make it hang on. Just Yeah. It will be What's the Thursday before? Because that's me. I have Friday, Saturdays off.\n\nThursday.\n\nChannel 0: Oh, you can have a long weekend. The\n\nChannel 1: No.\n\nChannel 0: Thursday\n\nChannel 1: Don't worry. He\n\nChannel 0: is\n\nChannel 1: works all day Sunday. Alright. I'll finish make it the tenth. I'll finish work on the tenth.\n\nChannel 0: alright. Perfect. So we'll make it the Thursday, the tenth for you.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. So on the fifteenth, we'll give you a birthday call. Say happy birthday. Get that form sent out. We'll\n\nChannel 1: Yep.\n\nChannel 0: pre tick the box and say that you're gonna you're gonna retire on the December 10 this\n\nChannel 1: Yep.\n\nChannel 0: year, and you'll just need to let your employer know so they're aware that you are retiring. Okay?\n\nChannel 1: I can't I\n\nChannel 0: Yeah.\n\nChannel 1: can't wait for that.\n\nChannel 0: Oh, look. It is really exciting. I'm glad you're not having to work on your birthday. Like, you you should be able to enjoy that day. '60 is a good thing.\n\nChannel 1: I don't think I've ever worked my birthday. No. I don't think I don't think you've ever\n\nChannel 0: Why\n\nChannel 1: worked anyway.\n\nChannel 0: why start now?\n\nChannel 1: That's right. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: So so just to recap, like, if he does because the job he's doing, he has an option to go back casual later on. So\n\nChannel 0: Yeah.\n\nChannel 1: he's a commercial cleaner. But that's what\n\nChannel 0: Yeah.\n\nChannel 1: we were just concerned about. That he's, you know, like, he'd like to have at least three months off. And then, you know, if they want him back, he can go back. So that's not an issue, is\n\nChannel 0: Yep.\n\nChannel 1: it? If he\n\nChannel 0: Yeah.\n\nChannel 1: he\n\nChannel 0: No.\n\nChannel 1: goes\n\nChannel 0: Absolutely\n\nChannel 1: back casually?\n\nChannel 0: not. Yep.\n\nChannel 1: So it's alright. And then that\n\nChannel 0: Yeah.\n\nChannel 1: was our\n\nChannel 0: Absolutely.\n\nChannel 1: plan for him to him to pay more super because we won't have any debt. We'll have all our debts cleared. You know, we'll have\n\nChannel 0: Yeah.\n\nChannel 1: the new car. We won't have to And we're gonna have a holiday. We'll have a holiday. We'll have the new car, and we won't have any debt. So we'll be able to budget\n\nChannel 0: Beautiful.\n\nChannel 1: better with his income. And, unfortunately, I was supposed\n\nChannel 0: Yeah.\n\nChannel 1: to work with him. So And we'll have a new\n\nChannel 0: Yeah.\n\nChannel 1: grandchild. So Yes. We'll have a new grandson.\n\nChannel 0: Oh,\n\nChannel 1: So that was yeah.\n\nChannel 0: congratulations. That'll be fantastic. What a year,\n\nChannel 1: Yes.\n\nChannel 0: honestly.\n\nChannel 1: But, no, Rod. He's he's born in September, so we probably won't get to see him until Christmas anyhow. So yeah. So that would be great.\n\nChannel 0: And you will have retired\n\nChannel 1: Okay.\n\nChannel 0: just in time to go and spend some quality time with your new grandson, enjoy\n\nChannel 1: That's\n\nChannel 0: your\n\nChannel 1: right.\n\nChannel 0: new car and day trip, and then you\n\nChannel 1: Yep.\n\nChannel 0: decide what you wanna do moving forward. That's fantastic.\n\nChannel 1: Yeah. Some of us are retired.\n\nChannel 0: I'm\n\nChannel 1: Some have still got four years.\n\nChannel 0: yeah. Yeah. Look. I'm a little bit jealous. As I said, I'm 41, so not really a spring chicken.\n\nBut, look, I would love to be 60 right now and and give retirement a go. It sounds fun.\n\nChannel 1: So So that's that's fine. But, no, thank you. You've been very helpful.\n\nChannel 0: That's okay. That's not a problem at all. So because I'm just gonna update the advice, I'm just gonna go through and just update some other circumstances here there for you, Michael. Now\n\nChannel 1: Yep.\n\nChannel 0: at the moment, your income, I've got you earning about 51,000 per annum. Is that still correct, and is that the income expected until December?\n\nChannel 1: This year this year, it'd be probably down a bit because I've had his He's had a condition where he keeps what what's it called? Meniere's disease, vertigo. So, like, he's\n\nChannel 0: Oh, wow.\n\nChannel 1: yeah. And and he's just been tested, had a MRI today again. Yeah. So I think he's got something wrong with his balance in his ear, and he keeps\n\nChannel 0: Yeah.\n\nChannel 1: fighting in that. So he has his income's way down because he had, like, in September\n\nChannel 0: Alright.\n\nChannel 1: about nine weeks off. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, lucky we've managed to just stay afloat with our savings. But at the moment, that's the trouble. He's got no savings and because he's, you know, not working his full hours. But hopefully\n\nChannel 0: Yeah.\n\nChannel 1: Reason forward will be July 1, he'll be back to normal. And as I said, then when he does retire, that will be, you know, going back casual will be he'll\n\nChannel 0: Yes.\n\nChannel 1: he doesn't have to\n\nChannel 0: Helpful.\n\nChannel 1: work so much to get the same roughly\n\nChannel 0: Income.\n\nChannel 1: the same income. Yeah. So that's\n\nChannel 0: Yeah.\n\nChannel 1: the plan.\n\nChannel 0: Absolutely. Yeah. No. Absolutely. Perfect.\n\nSo at the moment, are you happy with me keeping your income at that $51,000 mark\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Yeah.\n\nChannel 0: the plan\n\nChannel 1: Yeah. That's\n\nChannel 0: to\n\nChannel 1: that's\n\nChannel 0: to factor\n\nChannel 1: fine.\n\nChannel 0: in contributions?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And your salary sacrificing as well, it looks like about $80 per fortnight. Is that\n\nChannel 1: Yes.\n\nChannel 0: right?\n\nChannel 1: That is right. Yeah.\n\nChannel 0: Yep. Beautiful. And that's gonna continue forward until December when you retire?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. I'm just popping that in here for you. Excellent. That's per fortnight.\n\nLovely. I've got down here, obviously, silly questions to ask, but I've got Judith, you're next of kin. And\n\nChannel 1: Yes.\n\nChannel 0: I've got confirmed beneficiaries in the event of something happening and you passing, you want everything to be paid to Judith.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. Beautiful. I don't wanna cause divorce court or anything, but just need to confirm those things for you.\n\nChannel 1: It's all\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: can see your I can see your employer contributions coming in, so I can see where they're coming from, which is absolutely fantastic. Looking at your assets and liabilities now. Now where you are, the money paying off a couple of debts, what debts are you planning to pay off with the funds that you draw out of super?\n\nChannel 1: We got a couple of credit cards. Two credit cards\n\nChannel 0: Yep.\n\nChannel 1: and a personal one. And a and a personal one.\n\nChannel 0: Okay. Beautiful. And a personal loan. And you're renting\n\nChannel 1: Yeah.\n\nChannel 0: where you are at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. How much rent are you paying at the moment on a weekly or fortnightly basis?\n\nChannel 1: $7.50 a weekly.\n\nChannel 0: $7.50 per week. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: I mean, not bad for the prime location that you're in.\n\nChannel 1: That's pretty good.\n\nChannel 0: Excellent. And how much do you have owing on those credit cards? They're roughly\n\nChannel 1: All off to that? All off to about 16,000 at the moment. So 9\n\nChannel 0: Yep.\n\nChannel 1: thousand to the personal loan and the credit card is 5,000 and another one at 2. We will be\n\nChannel 0: Okay.\n\nChannel 1: closing the one of the credit cards when we\n\nChannel 0: Yeah.\n\nChannel 1: Pay it off. Pay it off. We'll have one as a spare, but I I think it's\n\nChannel 0: Yep.\n\nChannel 1: the yeah. Just in case it's rainy day. Emergency.\n\nChannel 0: Yeah. Absolutely. And I've got your car noted here as well. We had a value last year for about 25,000. What kind of car do you drive at the moment?\n\nChannel 1: Still missing cash car. Same car.\n\nChannel 0: Yep. Beautiful. Excellent. And what's the value would you put on that now, do you think?\n\nChannel 1: 15? 15. 10 to 15. They're\n\nChannel 0: Yep.\n\nChannel 1: not worth not going much.\n\nChannel 0: No. Beautiful. And with your new car, what sort of cost do you think you'll be spending on that? You're not really\n\nChannel 1: Probably\n\nChannel 0: sure?\n\nChannel 1: they're about $5,657,000. That's\n\nChannel 0: Yeah.\n\nChannel 1: yeah. That's\n\nChannel 0: Beautiful.\n\nChannel 1: That's that's on road, everything. So including\n\nChannel 0: On\n\nChannel 1: on\n\nChannel 0: road.\n\nChannel 1: road. Is there.\n\nChannel 0: Yeah.\n\nChannel 1: Well, that's what we're budgeting.\n\nChannel 0: Beautiful. I feel like some day trips somewhere or some overnight trips in the new car might be worthwhile over Christmas and New Year's.\n\nChannel 1: Yeah. Probably, we're thinking about how he buys at Christmas Yeah. And meet the grandson.\n\nChannel 0: That'll be beautiful. A good drive too. I love that. That's fantastic. Excellent.\n\nAnd do you have any other assets you wanna note down? Do you have any other investments or anything of value that you wanna note down?\n\nChannel 1: No. No.\n\nChannel 0: Nope.\n\nChannel 1: Thank you.\n\nChannel 0: That's that's okay. Beautiful. Excellent. Now the other thing to look at is just your risk profile as well. Now we do do this every year with you.\n\nI'll just do it really quickly for you. I'm just checking how you're invested at the moment within your super there just to make sure that I know what your portfolio looks like. Two seconds. Sorry. Love technology when it wants to work with us there.\n\nSo at the moment, you're in that growth kind of environment there. So that essentially sees about 80% of your super invested in growth ads, so think Australian shares, international shares, property, and also commodities, so precious metals like gold and silver. Those are\n\nChannel 1: Yep.\n\nChannel 0: the investments that see the ups and downs, the fluctuations that we feel, but they're also the investments there that get us the best return. And then the other 20% is in lower risk defensive investments, the things like cash, bonds, and fixed interest. Those investments tend to get a lower rate of return, but they are seen as lower risk. It's about that risk versus reward sort of balance to try and get the best returns. We have to be willing to take on more risk in the market.\n\nWhen we're not feeling out taking more risk, we tend to get lower rates of returns, but we also continue to get stability. And one of the biggest things I just wanna work at now is over the next six months towards your retirement, are you wanting to take on more risk in the market or the same level of risk knowing there could be a downturn, which means your super could draw backwards a little bit before we access those funds? Or are you wanting to maybe bring that risk level down a little bit for the next six months because you are wanting to access your super? Do you know what you'd like me to sort of look at? Bit of a tough one.\n\nChannel 1: It is, isn't it? Alright. I don't know.\n\nChannel 0: That's\n\nChannel 1: Probably.\n\nChannel 0: okay. That's okay. I've got a couple of questions to kinda help and guide if you like just to make it\n\nChannel 1: Pretty\n\nChannel 0: easier\n\nChannel 1: I think\n\nChannel 0: on you.\n\nChannel 1: I'm in half at high risk and half know what we're doing.\n\nChannel 0: It doesn't really let us, yeah, it doesn't really let us do that. We sort of have to have a a total portfolio within your super. We can't kind of break your super into different areas because it's all in one account.\n\nChannel 1: Okay.\n\nChannel 0: But what I could maybe look at doing, if you're comfortable, I'm just sort of filling out some of the questions here because I know, obviously, you're looking to try and get the best returns you can. On a yearly basis, so over the we're only looking over the next sort of six months there. But do you think you are looking to try and get, say, the highest return you can, looking at 8% and above to try and build as much as you can, or do you think you'd be more comfortable achieving maybe a six, a five, a four, or a 3% return just to kinda keep your capital more in place for you withdrawal? How do you think you might fit?\n\nChannel 1: I can hold. I can't hold.\n\nChannel 0: Would you go for aim for the highest we can possibly get? Beautiful.\n\nChannel 1: Why why not?\n\nChannel 0: If you saw your super fall in the next sort of six months due to what was happening in the markets generally, I know you'd probably feeling a little bit concerned. You wouldn't be very happy with it. But, realistically, do you think you'd be wanting to maybe find some extra money, put a lump sum in, and build on your super and maybe hold off retiring till it comes back, or are you still wanting to access your super and cement those losses?\n\nChannel 1: No. I think we'll access our super.\n\nChannel 0: Access your super either way. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. How do you think you might be feeling if the downturn sorta came? Do you think you'd be feeling optimistic about the investment opportunity, a bit cautious, concerned, or feeling very anxious because you're accessing money?\n\nChannel 1: What it is is what it is. Can't do much about it.\n\nChannel 0: Yep. So just access whatever you can at the time. Yep.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yep. Yep. That's okay. Not a problem at all. I'm just sort of going through and updating things.\n\nBeautiful. I put down here that you'd probably be feeling a bit concerned. Do you feel like you would be a bit concerned about it?\n\nChannel 1: Yeah. I probably would be.\n\nChannel 0: Yeah. Yeah. Beautiful. So having a look at, obviously, where we are and how you've scored, because you are wanting to look. You're fairly comfortable with taking on more risk in the market to get greater returns, and, you know, you are sort of of that opinion that the market does what the market does, and you can't control that.\n\nBut wouldn't obviously be overly impressed if the market did take a bit of a huge dip in the next sort of six months there. But with\n\nChannel 1: Yep.\n\nChannel 0: your time horizon, because you are wanting to access that large sum of money in the next six months there, what I could maybe look at doing for you, Michael, is to look at maybe putting some capital protection in there. We maybe reduce your risk level down to more of a balanced portfolio. It is dropping it pretty drastically. So our portfolios go high growth, growth, balance, growth, and balance. So you are dropping it down by two risk levels.\n\nChannel 1: Yep.\n\nChannel 0: A balanced portfolio brings it down to 60% invested in those growth assets and then 40% in defensive assets. That essentially is reducing your risk level. It's bringing up some of those defensive investments. It does mean that the amount of returns that we're we're probably expecting might decrease a little bit, but it puts in a little bit more of, you know, a bit more capital protection for you. So we are expecting that, you know, the ups and downs to not be as volatile as well, which can mean adding a little bit of protection for your capital so that you're able to take the funds out and hopefully not see a really large downturn if the market did go that way.\n\nDoes that make sense? And are you\n\nChannel 1: Yep.\n\nChannel 0: comfortable with looking at that or yes?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That\n\nChannel 0: Beautiful.\n\nChannel 1: that makes sense. Yep.\n\nChannel 0: Beautiful. And as I said, we'll touch base in December. We'll we'll\n\nChannel 1: Yep.\n\nChannel 0: touch base after your birthday, and we can always update the advice and look at what to do moving forward thereafter. Because you wanna take about a three month period off minimum\n\nChannel 1: Yep.\n\nChannel 0: to sort of see and take some time off for you, Are you needing\n\nChannel 1: Yep.\n\nChannel 0: to draw any income down in that time, or do you feel Judith, like, your income is gonna support you both in that time frame comfortably?\n\nChannel 1: Well, I think we've worked it out. We've got the rent and some utilities covered in that three months out\n\nChannel 0: Yep.\n\nChannel 1: of that Out of that money.\n\nChannel 0: Yep.\n\nChannel 1: Lump\n\nChannel 0: That's\n\nChannel 1: sum\n\nChannel 0: a\n\nChannel 1: we're\n\nChannel 0: 100\n\nChannel 1: taking\n\nChannel 0: k.\n\nChannel 1: out. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah. Beautiful. Not a problem\n\nChannel 1: yeah.\n\nChannel 0: at all. That's okay. So what we can do is, essentially, we can just if you like, because we do kinda go on leave around about Christmas time, we'll do the advice case in December when you retire. We'll do that drawdown for you. And\n\nChannel 1: Yep.\n\nChannel 0: then when we come back, I'll book you in for when we come back early January. We can then have a look at your circumstances and look at updating the advice. Does that\n\nChannel 1: Yep.\n\nChannel 0: sound okay, or would you want me to hold off a little bit longer?\n\nChannel 1: February. Probably February early February. Well, I\n\nChannel 0: Early\n\nChannel 1: have to\n\nChannel 0: February?\n\nChannel 1: do\n\nChannel 0: Yep.\n\nChannel 1: a a little trick in January. So\n\nChannel 0: Yep. No.\n\nChannel 1: Okay.\n\nChannel 0: That's okay. Beautiful. What I can even do because we tend to, you know, look at how how best to structure your withdrawal from your super. I can also look at if we decide to like, if it works out better to open a pension account and, you know, withdraw that way,\n\nChannel 1: Yep.\n\nChannel 0: we can always look at, you know, closing that off and moving all the funds, the additional funds back into super. I'll have a look at all the options. I know when you turn 60, are you wanting that money sort of as quickly as possible, or would you be comfortable with opening up a pension and maybe waiting a week for the funds to come out, or you kind of just wanting them to come out, like, the next couple of days really quickly?\n\nChannel 1: Next couple of days next couple of days if possible. So a week wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: hurt. Like, where it's not\n\nChannel 0: Yeah.\n\nChannel 1: like as long as, yeah, we would get it. Well, I don't know. Depends on our savings. Then it depends on, yeah, when I get the car. The car is not the important thing, but, yeah, just to get through Christmas,\n\nChannel 0: Yeah.\n\nChannel 1: I think. Yeah. But, hopefully, we\n\nChannel 0: Yeah.\n\nChannel 1: all have enough savings to have that covered. Yeah.\n\nChannel 0: Yeah. Yeah. No. That's okay. I can have a look at all the options and see what sort of works for you, how it sort of looks.\n\nOne of the biggest things to sort of look at is the tax consequences. And the main reason I sort of bring up the two accounts is that in accumulation phase, which is where you are at the moment, that's what the super system is when you're growing a super before 60.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, you do have income tax and capital gains tax consequences. So your super fund, is doing a tax return every year for it. It is doing an and paying income tax and CDT tax on growth and income that is earned within the system there. When you actually do retire and you move into pension phase, that phase is fully tax free. So we have one or\n\nChannel 1: Yep.\n\nChannel 0: two options. You can. What we try to do is we try to move you into pension phase first, so open up a pension account. It generally happens fairly quickly within about sort of, you know, two or three days to open that pension account. The the fund hub twenty four moves money into the pension phase, and drawing the 100,000 down within pension phase, whilst it can take just a little bit longer to do, means that there's no income tax consequences.\n\nSo the benefit to that is as much as when you draw the money down, whether you draw it as a super pension, realistically, there's no income tax consequences to you. It is tax free. But inside the funding pension phase, there's no income tax and no capital gains tax. And capital gains tax comes from selling down investments, which we do have to do in order to withdraw the funds. So would you be comfortable just sort of having it, you know, maybe take an extra day or two or\n\nChannel 1: Yep.\n\nChannel 0: an extra\n\nChannel 1: Yeah.\n\nChannel 0: week\n\nChannel 1: That that's\n\nChannel 0: just\n\nChannel 1: that's\n\nChannel 0: to get\n\nChannel 1: fine.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: money\n\nChannel 1: That's\n\nChannel 0: at the save on tax? Yeah?\n\nChannel 1: yeah, that's fine. Yes. Yeah. I I believe\n\nChannel 0: Yep.\n\nChannel 1: that would be the best option. Yeah.\n\nChannel 0: That would be an option. Beautiful. And, look, if it took a bit longer and we were on leave, I would jump in there and do it for you. Do not worry in any way, shape, or form. I will make sure even though it's December and, technically, we do shut down for two weeks, I will make sure this happens before we go on leave.\n\nThat way, you're not stuck without any money over that two week Christmas period.\n\nChannel 1: Cool.\n\nChannel 0: Okay? Yeah.\n\nChannel 1: Thank\n\nChannel 0: Beautiful.\n\nChannel 1: you.\n\nChannel 0: That's okay. So I'll look at, obviously, structuring the advice for you to withdraw in December when you retire. Look at structuring your investments now for you as well, and look at how we do that and maybe just reducing your risk level down to that balanced environment. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay? Have I missed\n\nChannel 1: Yep.\n\nChannel 0: anything at all?\n\nChannel 1: No. I don't think so. You've answered all our questions\n\nChannel 0: Beautiful.\n\nChannel 1: we had written down.\n\nChannel 0: Oh, fantastic. Lovely. Now it's also a note in here, you don't have any insurances paid out of your supers. There's no insurances to worry about, but you're comfortable\n\nChannel 1: Yeah.\n\nChannel 0: not having life capability income protection. None of that sort of worries or interests you.\n\nChannel 1: That's all I got. Yep. Uh-huh. No. It's not my problem.\n\nYeah. It won't be his problem, but that's okay.\n\nChannel 0: I love that. That's all good. Now in the annual review pack, which I have emailed to you as well, it'll be in your emails when you get a chance. It does have a copy of the documents that I've gone through giving you your updated super balance, your performance there as well, and it's also got your ongoing service agreement attached. So just to let you know, this year, there is no change to our fee structure.\n\nHowever,\n\nChannel 1: Yep.\n\nChannel 0: next year, there will be a bit of a change. There is I can't sort of go through it exactly with you right now, but for the time time being, there's no change to your ongoing service fee. It is still 1.1% because you're both on as clients,\n\nChannel 1: Yep.\n\nChannel 0: and that will continue. If you sign and return that back, it will continue exactly the same over the next twelve months there, and we\n\nChannel 1: Yep.\n\nChannel 0: can kinda go through everything else down the track. Does that sound okay? Do you have any questions?\n\nChannel 1: No. That's fine. Thank you.\n\nChannel 0: Beautiful. Beautiful. Well, I'll get cracking on that research there for you. If anything comes up that you think I've missed or you have extra questions that pop out of any of it, you let me know. I'm more than happy to jump on that.\n\nJudith, I will get my colleague, Samantha, to organize when you're due for annual review. She'll give you a call\n\nChannel 1: Yep.\n\nChannel 0: and book you in as well so we can look at everything for yourself as well. Okay?\n\nChannel 1: Yep. That'd be perfect. Thank you. Thank\n\nChannel 0: Fantastic.\n\nChannel 1: you.\n\nChannel 0: Well, I'm pretty sure that's everything for you guys. You both have a lovely day, and I will get cracking on this research. Oh, just one more question. Sorry. I know over the last few years, you've had some additional goals that you were sort of looking at.\n\nDo you have anything else that you're gonna look at goal wise over the next few years, or is everything just looking at retirement, drawing that money up, paying off your debts, and getting the new car?\n\nChannel 1: Yeah. We'll just look at that to start with. If something changes,\n\nChannel 0: Yep.\n\nChannel 1: we'll work it out later.\n\nChannel 0: Yep. Beautiful. I love it. Fantastic. Not a problem at all.\n\nWell, I will let you go. Thank you so much for that. I really appreciate your time this afternoon. If there is any questions, let me know. And if you can just get on that any review pack, if you're happy to sign and return it back, do so.\n\nAnd we'll get sorted on the advice and get you booked in a few weeks to go through it all.\n\nChannel 1: No\n\nChannel 0: Okay?\n\nChannel 1: problem. I'll do I'll do I'll sign that tonight.\n\nChannel 0: You're\n\nChannel 1: Thank\n\nChannel 0: a\n\nChannel 1: you.\n\nChannel 0: legend. Thank you so much. Have a great day, guys. We really\n\nChannel 1: Thank\n\nChannel 0: appreciate\n\nChannel 1: you.\n\nChannel 0: it.\n\nChannel 1: Okay.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: See you\n\nChannel 1: Thank\n\nChannel 0: later.\n\nChannel 1: you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello,","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.03442486375570297}],"sentiment":"neutral","sentiment_score":0.03442486375570297,"channel":1,"num_words":1,"start":0.48,"end":0.88},{"sentences":[{"text":"Uh-huh.","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02827438712120056}],"sentiment":"neutral","sentiment_score":0.02827438712120056,"channel":0,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Michael.","start":0.88,"end":1.38,"sentiment":"neutral","sentiment_score":0.040161214768886566}],"sentiment":"neutral","sentiment_score":0.040161214768886566,"channel":1,"num_words":1,"start":0.88,"end":1.38},{"sentences":[{"text":"Hi, Michael.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.15759271383285522},{"text":"It's Dana from OQ Financial.","start":3.1999998,"end":4.66,"sentiment":"neutral","sentiment_score":0.19383921325206757},{"text":"How are you this afternoon?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.22802351117134095}],"sentiment":"neutral","sentiment_score":0.20204158748189607,"channel":0,"num_words":12,"start":2.6399999,"end":6.1},{"sentences":[{"text":"Good.","start":6.3999996,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5333653688430786},{"text":"Thank you.","start":6.7999997,"end":7.12,"sentiment":"positive","sentiment_score":0.5592901557683945},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.32628877957661945}],"sentiment":"positive","sentiment_score":0.438468669851621,"channel":1,"num_words":6,"start":6.3999996,"end":7.94},{"sentences":[{"text":"I'm very well.","start":8.16,"end":9.04,"sentiment":"positive","sentiment_score":0.5811319152514139},{"text":"Thank 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too.","start":1569.68,"end":1570.8,"sentiment":"positive","sentiment_score":0.5630541145801544},{"text":"I love that.","start":1570.8,"end":1571.4401,"sentiment":"positive","sentiment_score":0.7196681896845499},{"text":"That's fantastic.","start":1571.4401,"end":1572.3401,"sentiment":"positive","sentiment_score":0.7284195423126221},{"text":"Excellent.","start":1572.9601,"end":1573.4601,"sentiment":"positive","sentiment_score":0.4208535552024842}],"sentiment":"positive","sentiment_score":0.6130618957372812,"channel":0,"num_words":13,"start":1568.3201,"end":1573.4601},{"sentences":[{"text":"And do you have any other assets you wanna note down?","start":1574.16,"end":1576.8,"sentiment":"neutral","sentiment_score":0.14062203670089896},{"text":"Do you have any other investments or anything of value that you wanna note down?","start":1576.8,"end":1580.8201,"sentiment":"neutral","sentiment_score":0.059900975227355956}],"sentiment":"neutral","sentiment_score":0.09405219354308568,"channel":0,"num_words":26,"start":1574.16,"end":1580.8201},{"sentences":[{"text":"No.","start":1582.0,"end":1582.1599,"sentiment":"neutral","sentiment_score":-0.049398817121982574},{"text":"No.","start":1582.1599,"end":1582.5599,"sentiment":"neutral","sentiment_score":-0.03793895989656448}],"sentiment":"neutral","sentiment_score":-0.04366888850927353,"channel":1,"num_words":2,"start":1582.0,"end":1582.5599},{"sentences":[{"text":"Nope.","start":1582.535,"end":1583.035,"sentiment":"neutral","sentiment_score":-0.02685283124446869}],"sentiment":"neutral","sentiment_score":-0.02685283124446869,"channel":0,"num_words":1,"start":1582.535,"end":1583.035},{"sentences":[{"text":"Thank you.","start":1582.5599,"end":1583.2999,"sentiment":"neutral","sentiment_score":0.06574616208672523}],"sentiment":"neutral","sentiment_score":0.06574616208672523,"channel":1,"num_words":2,"start":1582.5599,"end":1583.2999},{"sentences":[{"text":"That's that's okay.","start":1583.415,"end":1584.795,"sentiment":"neutral","sentiment_score":0.12786184499661127},{"text":"Beautiful.","start":1584.935,"end":1585.435,"sentiment":"positive","sentiment_score":0.4047144651412964},{"text":"Excellent.","start":1585.5751,"end":1586.0751,"sentiment":"neutral","sentiment_score":0.31919747591018677},{"text":"Now the other thing to look at is just your risk profile as well.","start":1586.455,"end":1589.335,"sentiment":"neutral","sentiment_score":0.043189244477876594},{"text":"Now we do do this every year with you.","start":1589.335,"end":1591.175,"sentiment":"neutral","sentiment_score":0.0506539067460431}],"sentiment":"neutral","sentiment_score":0.0774297164087849,"channel":0,"num_words":28,"start":1583.415,"end":1591.175},{"sentences":[{"text":"I'll just do it really quickly for you.","start":1591.175,"end":1593.12,"sentiment":"neutral","sentiment_score":0.09609387628734112},{"text":"I'm just checking how you're invested at the moment within your super there just to make sure that I know what your portfolio looks like.","start":1593.2,"end":1599.6,"sentiment":"neutral","sentiment_score":0.03647808134555817},{"text":"Two seconds.","start":1599.6,"end":1600.32,"sentiment":"neutral","sentiment_score":-0.010230856947600842},{"text":"Sorry.","start":1600.32,"end":1600.82,"sentiment":"neutral","sentiment_score":-0.03849679976701737},{"text":"Love technology when it wants to work with us there.","start":1600.96,"end":1603.62,"sentiment":"neutral","sentiment_score":0.044470483250916}],"sentiment":"neutral","sentiment_score":0.04492281223444835,"channel":0,"num_words":46,"start":1591.175,"end":1603.62},{"sentences":[{"text":"So at the moment, you're in that growth kind of environment there.","start":1604.24,"end":1607.535,"sentiment":"neutral","sentiment_score":0.01503534878914555},{"text":"So that essentially sees about 80% of your super invested in growth ads, so think Australian shares, international shares, property, and also commodities, so precious metals like gold and silver.","start":1607.615,"end":1618.1951,"sentiment":"neutral","sentiment_score":0.032275628919402756},{"text":"Those are","start":1618.655,"end":1618.975,"sentiment":"neutral","sentiment_score":0.019758651964366436}],"sentiment":"neutral","sentiment_score":0.027004780840467323,"channel":0,"num_words":44,"start":1604.24,"end":1618.975},{"sentences":[{"text":"Yep.","start":1618.975,"end":1619.475,"sentiment":"neutral","sentiment_score":0.02860371582210064}],"sentiment":"neutral","sentiment_score":0.02860371582210064,"channel":1,"num_words":1,"start":1618.975,"end":1619.475},{"sentences":[{"text":"the investments that see the ups and downs, the fluctuations that we feel, but they're also the investments there that get us the best return.","start":1618.975,"end":1626.3999,"sentiment":"neutral","sentiment_score":0.05647758044302464},{"text":"And then the other 20% is in lower risk defensive investments, the things like cash, bonds, and fixed interest.","start":1626.86,"end":1632.7999,"sentiment":"neutral","sentiment_score":0.04502437636256218},{"text":"Those investments tend to get a lower rate of return, but they are seen as lower risk.","start":1632.94,"end":1636.995,"sentiment":"neutral","sentiment_score":0.0618112251669278},{"text":"It's about that risk versus reward sort of balance to try and get the best returns.","start":1637.955,"end":1641.635,"sentiment":"neutral","sentiment_score":0.0962960000615567},{"text":"We have to be willing to take on more risk in the market.","start":1641.635,"end":1644.295,"sentiment":"neutral","sentiment_score":0.0997669341472479}],"sentiment":"neutral","sentiment_score":0.06839888483001333,"channel":0,"num_words":90,"start":1618.975,"end":1644.295},{"sentences":[{"text":"When we're not feeling out taking more risk, we tend to get lower rates of returns, but we also continue to get stability.","start":1644.515,"end":1650.215,"sentiment":"neutral","sentiment_score":0.1420708240374275},{"text":"And one of the biggest things I just wanna work at now is over the next six months towards your retirement, are you wanting to take on more risk in the market or the same level of risk knowing there could be a downturn, which means your super could draw backwards a little bit before we access those funds?","start":1650.9299,"end":1666.3099,"sentiment":"neutral","sentiment_score":0.06529138698163679},{"text":"Or are you wanting to maybe bring that risk level down a little bit for the next six months because you are wanting to access your super?","start":1666.695,"end":1673.195,"sentiment":"neutral","sentiment_score":0.013417315910811778},{"text":"Do you know what you'd like me to sort of look at?","start":1673.8949,"end":1676.475,"sentiment":"neutral","sentiment_score":0.00406300292039911},{"text":"Bit of a tough one.","start":1676.615,"end":1677.835,"sentiment":"neutral","sentiment_score":-0.22758157253265382}],"sentiment":"neutral","sentiment_score":0.05073759116468921,"channel":0,"num_words":126,"start":1644.515,"end":1677.835},{"sentences":[{"text":"It is, isn't it?","start":1678.155,"end":1679.375,"sentiment":"neutral","sentiment_score":-0.11605340801179409},{"text":"Alright.","start":1679.995,"end":1680.495,"sentiment":"neutral","sentiment_score":-0.05295759066939354},{"text":"I don't know.","start":1680.875,"end":1681.595,"sentiment":"neutral","sentiment_score":-0.10113393266995747}],"sentiment":"neutral","sentiment_score":-0.10257162759080529,"channel":1,"num_words":8,"start":1678.155,"end":1681.595},{"sentences":[{"text":"That's","start":1681.35,"end":1681.6699,"sentiment":"neutral","sentiment_score":-0.14009098708629608}],"sentiment":"neutral","sentiment_score":-0.14009098708629608,"channel":0,"num_words":1,"start":1681.35,"end":1681.6699},{"sentences":[{"text":"Probably.","start":1681.595,"end":1682.095,"sentiment":"neutral","sentiment_score":-0.08829884231090546}],"sentiment":"neutral","sentiment_score":-0.08829884231090546,"channel":1,"num_words":1,"start":1681.595,"end":1682.095},{"sentences":[{"text":"okay.","start":1681.6699,"end":1682.15,"sentiment":"neutral","sentiment_score":0.03626667335629463},{"text":"That's okay.","start":1682.15,"end":1682.97,"sentiment":"neutral","sentiment_score":0.1090560108423233},{"text":"I've got a couple of questions to kinda help and guide if you like just to make it","start":1683.11,"end":1686.71,"sentiment":"neutral","sentiment_score":0.13968528103497294}],"sentiment":"neutral","sentiment_score":0.13184351207954542,"channel":0,"num_words":21,"start":1681.6699,"end":1686.71},{"sentences":[{"text":"Pretty","start":1686.6599,"end":1686.7,"sentiment":"neutral","sentiment_score":0.04825526475906372}],"sentiment":"neutral","sentiment_score":0.04825526475906372,"channel":1,"num_words":1,"start":1686.6599,"end":1686.7},{"sentences":[{"text":"easier","start":1686.71,"end":1687.11,"sentiment":"neutral","sentiment_score":0.09402558952569962}],"sentiment":"neutral","sentiment_score":0.09402558952569962,"channel":0,"num_words":1,"start":1686.71,"end":1687.11},{"sentences":[{"text":"I think","start":1686.74,"end":1687.2999,"sentiment":"neutral","sentiment_score":-0.03501224145293236}],"sentiment":"neutral","sentiment_score":-0.03501224145293236,"channel":1,"num_words":2,"start":1686.74,"end":1687.2999},{"sentences":[{"text":"on you.","start":1687.11,"end":1687.77,"sentiment":"neutral","sentiment_score":0.009109556674957275}],"sentiment":"neutral","sentiment_score":0.009109556674957275,"channel":0,"num_words":2,"start":1687.11,"end":1687.77},{"sentences":[{"text":"I'm in half at high risk and half know what we're doing.","start":1687.2999,"end":1690.9199,"sentiment":"neutral","sentiment_score":-0.20831087479988733}],"sentiment":"neutral","sentiment_score":-0.20831087479988733,"channel":1,"num_words":12,"start":1687.2999,"end":1690.9199},{"sentences":[{"text":"It doesn't really let us, yeah, it doesn't really let us do that.","start":1691.605,"end":1695.125,"sentiment":"neutral","sentiment_score":-0.26295486321816075},{"text":"We sort of have to have a a total portfolio within your super.","start":1695.125,"end":1698.885,"sentiment":"neutral","sentiment_score":-0.04976212663146166},{"text":"We can't kind of break your super into different areas because it's all in one account.","start":1698.885,"end":1703.785,"sentiment":"neutral","sentiment_score":-0.03963265923084691}],"sentiment":"neutral","sentiment_score":-0.1118915098985391,"channel":0,"num_words":42,"start":1691.605,"end":1703.785},{"sentences":[{"text":"Okay.","start":1704.4349,"end":1704.9349,"sentiment":"neutral","sentiment_score":0.06358855962753296}],"sentiment":"neutral","sentiment_score":0.06358855962753296,"channel":1,"num_words":1,"start":1704.4349,"end":1704.9349},{"sentences":[{"text":"But what I could maybe look at doing, if you're comfortable, I'm just sort of filling out some of the questions here because I know, obviously, you're looking to try and get the best returns you can.","start":1705.62,"end":1714.6,"sentiment":"neutral","sentiment_score":0.1734931440772237},{"text":"On a yearly basis, so over the we're only looking over the next sort of six months there.","start":1715.46,"end":1721.115,"sentiment":"neutral","sentiment_score":0.08657946810126305},{"text":"But do you think you are looking to try and get, say, the highest return you can, looking at 8% and above to try and build as much as you can, or do you think you'd be more comfortable achieving maybe a six, a five, a four, or a 3% return just to kinda keep your capital more in place for you withdrawal?","start":1721.115,"end":1738.84,"sentiment":"neutral","sentiment_score":0.14952210975544794},{"text":"How do you think you might fit?","start":1738.84,"end":1740.46,"sentiment":"neutral","sentiment_score":0.05975499749183655}],"sentiment":"neutral","sentiment_score":0.1425268372297287,"channel":0,"num_words":125,"start":1705.62,"end":1740.46},{"sentences":[{"text":"I can hold.","start":1740.86,"end":1741.58,"sentiment":"neutral","sentiment_score":-0.07880435387293498},{"text":"I can't hold.","start":1741.58,"end":1742.48,"sentiment":"neutral","sentiment_score":-0.14777296781539917}],"sentiment":"neutral","sentiment_score":-0.11328866084416707,"channel":1,"num_words":6,"start":1740.86,"end":1742.48},{"sentences":[{"text":"Would you go for aim for the highest we can possibly get?","start":1742.84,"end":1745.4,"sentiment":"neutral","sentiment_score":0.0353647635007898},{"text":"Beautiful.","start":1745.4,"end":1745.9,"sentiment":"positive","sentiment_score":0.3621213436126709}],"sentiment":"neutral","sentiment_score":0.060499885047857575,"channel":0,"num_words":13,"start":1742.84,"end":1745.9},{"sentences":[{"text":"Why why not?","start":1745.98,"end":1747.2,"sentiment":"neutral","sentiment_score":0.04796975292265415}],"sentiment":"neutral","sentiment_score":0.04796975292265415,"channel":1,"num_words":3,"start":1745.98,"end":1747.2},{"sentences":[{"text":"If you saw your super fall in the next sort of six months due to what was happening in the markets generally, I know you'd probably feeling a little bit concerned.","start":1748.095,"end":1756.095,"sentiment":"neutral","sentiment_score":-0.24972550619033076},{"text":"You wouldn't be very happy with it.","start":1756.095,"end":1757.875,"sentiment":"negative","sentiment_score":-0.4308318453175681},{"text":"But, realistically, do you think you'd be wanting to maybe find some extra money, put a lump sum in, and build on your super and maybe hold off retiring till it comes back, or are you still wanting to access your super and cement those losses?","start":1758.095,"end":1771.04,"sentiment":"neutral","sentiment_score":-0.02604894404825957}],"sentiment":"neutral","sentiment_score":-0.1423281551826568,"channel":0,"num_words":84,"start":1748.095,"end":1771.04},{"sentences":[{"text":"No.","start":1771.73,"end":1772.05,"sentiment":"neutral","sentiment_score":-0.11992131173610689},{"text":"I think we'll access our super.","start":1772.05,"end":1773.83,"sentiment":"neutral","sentiment_score":-0.029809176921844482}],"sentiment":"neutral","sentiment_score":-0.042682339038167684,"channel":1,"num_words":7,"start":1771.73,"end":1773.83},{"sentences":[{"text":"Access your super either way.","start":1774.535,"end":1776.055,"sentiment":"neutral","sentiment_score":0.07228051647543907},{"text":"Beautiful.","start":1776.055,"end":1776.555,"sentiment":"positive","sentiment_score":0.5024623870849609}],"sentiment":"neutral","sentiment_score":0.14397749491035938,"channel":0,"num_words":6,"start":1774.535,"end":1776.555},{"sentences":[{"text":"Yep.","start":1776.53,"end":1777.03,"sentiment":"neutral","sentiment_score":0.2936827838420868}],"sentiment":"neutral","sentiment_score":0.2936827838420868,"channel":1,"num_words":1,"start":1776.53,"end":1777.03},{"sentences":[{"text":"Excellent.","start":1777.0951,"end":1777.5951,"sentiment":"positive","sentiment_score":0.5304430723190308},{"text":"How do you think you might be feeling if the downturn sorta came?","start":1778.6151,"end":1781.8151,"sentiment":"neutral","sentiment_score":0.05076739020072497},{"text":"Do you think you'd be feeling optimistic about the investment opportunity, a bit cautious, concerned, or feeling very anxious because you're accessing money?","start":1781.8151,"end":1789.06,"sentiment":"neutral","sentiment_score":-0.04514750287584637}],"sentiment":"neutral","sentiment_score":0.004108826453621323,"channel":0,"num_words":37,"start":1777.0951,"end":1789.06},{"sentences":[{"text":"What it is is what it is.","start":1789.535,"end":1790.735,"sentiment":"neutral","sentiment_score":-0.2106753864458629},{"text":"Can't do much about it.","start":1790.735,"end":1792.035,"sentiment":"neutral","sentiment_score":-0.3243147909641266}],"sentiment":"neutral","sentiment_score":-0.2580251383284728,"channel":1,"num_words":12,"start":1789.535,"end":1792.035},{"sentences":[{"text":"Yep.","start":1792.24,"end":1792.56,"sentiment":"neutral","sentiment_score":0.04403043910861015},{"text":"So just access whatever you can at the time.","start":1792.56,"end":1794.8201,"sentiment":"neutral","sentiment_score":0.05595635995268822},{"text":"Yep.","start":1794.88,"end":1795.38,"sentiment":"neutral","sentiment_score":0.042188625782728195}],"sentiment":"neutral","sentiment_score":0.05362057313323021,"channel":0,"num_words":11,"start":1792.24,"end":1795.38},{"sentences":[{"text":"Yes.","start":1795.135,"end":1795.635,"sentiment":"neutral","sentiment_score":0.0610174797475338},{"text":"Yeah.","start":1795.6951,"end":1796.1951,"sentiment":"neutral","sentiment_score":0.06150902062654495}],"sentiment":"neutral","sentiment_score":0.061263250187039375,"channel":1,"num_words":2,"start":1795.135,"end":1796.1951},{"sentences":[{"text":"Yep.","start":1796.3201,"end":1796.64,"sentiment":"neutral","sentiment_score":0.057236917316913605},{"text":"Yep.","start":1796.64,"end":1796.96,"sentiment":"neutral","sentiment_score":0.0773562639951706},{"text":"That's okay.","start":1796.96,"end":1797.7001,"sentiment":"neutral","sentiment_score":0.1461012363433838},{"text":"Not a problem at all.","start":1797.76,"end":1799.14,"sentiment":"neutral","sentiment_score":0.16219531744718552},{"text":"I'm just sort of going through and updating things.","start":1799.235,"end":1801.895,"sentiment":"neutral","sentiment_score":0.14191137337022358}],"sentiment":"neutral","sentiment_score":0.13972081119815508,"channel":0,"num_words":18,"start":1796.3201,"end":1801.895},{"sentences":[{"text":"Beautiful.","start":1803.715,"end":1804.215,"sentiment":"neutral","sentiment_score":0.31878846883773804},{"text":"I put down here that you'd probably be feeling a bit concerned.","start":1804.355,"end":1806.835,"sentiment":"neutral","sentiment_score":-0.06549985675762098},{"text":"Do you feel like you would be a bit concerned about 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scored, because you are wanting to look.","start":1813.81,"end":1820.45,"sentiment":"neutral","sentiment_score":0.035461682238076865},{"text":"You're fairly comfortable with taking on more risk in the market to get greater returns, and, you know, you are sort of of that opinion that the market does what the market does, and you can't control that.","start":1820.45,"end":1829.965,"sentiment":"neutral","sentiment_score":-0.018772858244023825}],"sentiment":"neutral","sentiment_score":0.002801227041830619,"channel":0,"num_words":60,"start":1811.57,"end":1829.965},{"sentences":[{"text":"But wouldn't obviously be overly impressed if the market did take a bit of a huge dip in the next sort of six months there.","start":1830.105,"end":1835.8049,"sentiment":"neutral","sentiment_score":-0.15445536106824875},{"text":"But 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from OQ Financial speak with customers about their annual reviews and financial goals, including accessing their full super and retirement plans. They emphasize the importance of updating investment and removing investment if customers decide to retire and offer to assist with tax-free gifting. The annual review will take a few weeks and representatives suggest reducing risk levels and adding protection for customers. They also discuss tax consequences and the need to adjust risk levels in the future. The representatives offer to set up calls with their team to discuss retirement plans and retirement advice."},"intents":{"segments":[{"text":"I had you booked in for a bit of an annual review and a bit of a chat around. You're turning 60 soon.","start_word":26,"end_word":48,"intents":[{"intent":"Book review","confidence_score":0.05857724}]},{"text":"And just to do security there as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Michael Leslie Tozer.","start_word":168,"end_word":205,"intents":[{"intent":"Discuss personal information","confidence_score":0.14146101}]},{"text":"I think I've changed the address to 1203 Dash 12 Emily Avenue, Surface Paradise.","start_word":213,"end_word":226,"intents":[{"intent":"Confirm address","confidence_score":0.12717776}]},{"text":"Near near Northcrest Surf Club. Is that where that is? Yeah.","start_word":281,"end_word":291,"intents":[{"intent":"Confirm service location","confidence_score":0.0107061025}]},{"text":"Now I know part of what you wanted to discuss today, Michael, was about you turning 60 moving forward there as well. Yep.","start_word":330,"end_word":352,"intents":[{"intent":"Discuss and discuss plan","confidence_score":0.0021995902}]},{"text":"When I have a look at the balance as of last year, this time last year, your balance then was a 124,004 Yep. 83 and 58<unk>. So your balance has definitely increased on last year, which is good. When I have a look at the performance of the investments there as well, the net return, so after fees, Your portfolio has returned 11.47.","start_word":694,"end_word":756,"intents":[{"intent":"Report portfolio performance","confidence_score":0.0022113896}]},{"text":"But as a whole, if you're also looking to access some funds there, we might look at updating the advice and maybe looking at how how you can access those funds around December, what that looks like for your long term goals, and maybe look at updating the investments as a whole. Does that sound okay?","start_word":1090,"end_word":1145,"intents":[{"intent":"Access funds","confidence_score":0.6281468},{"intent":"Update advice","confidence_score":0.9022384}]},{"text":"So, look, if we are looking to maybe update the advice there and have a look at things, I would like to maybe look at removing that investment if it's viable to do so, look at Yep. maybe seeing how that tracks over the next sort of essentially six months towards December there.","start_word":1230,"end_word":1282,"intents":[{"intent":"Remove investment","confidence_score":0.5256346}]},{"text":"If I get money out of my super, I have to finish work, and you can't work Mhmm. just how long can you go straight back to work? Find a job and go back Yeah. to work?","start_word":1357,"end_word":1393,"intents":[{"intent":"Start working","confidence_score":0.108399846}]},{"text":"Find a job and go back Yeah. to work?","start_word":1385,"end_word":1393,"intents":[{"intent":"Find job","confidence_score":0.31552088}]},{"text":"And then when you turn 60, you can just call us, request the withdrawal as a transaction without seeking advice and just confirm that you have retired. Did you want me to go down the personal advice route and do it as a whole document for you now, or did you wanna maybe look at just requesting a withdrawal in December and we just look at you you're super in kind of investment switching and things like that now?","start_word":1698,"end_word":1776,"intents":[{"intent":"Request withdrawal","confidence_score":0.16335928}]},{"text":"We could then look at, you know, you retiring and opening a pension, drawing the 100,000 down, but then I Yep. could not factor in any additional contributions after that because, essentially, you are retired. But then again in December, we can always come back and do a new advice piece if you decide to go back to work after that point to then look at how to build your super back up again because you Yeah.","start_word":1837,"end_word":1913,"intents":[{"intent":"Evaluate retirement plan","confidence_score":0.034312516}]},{"text":"Well, you're only 60 this year, so you do have essentially seven years until you're eligible for the age pension through Centrelink. But Yep.","start_word":2189,"end_word":2212,"intents":[{"intent":"Assess age pension eligibility","confidence_score":0.04822153}]},{"text":"that money is gone, they're not gonna assess that.","start_word":2248,"end_word":2256,"intents":[{"intent":"Evaluate super balance","confidence_score":0.0744977}]},{"text":"So having a little bit of super there to sort of back you up and and provide some additional support isn't a bad thing, but I do a lot of that advice here as well and Yep. can absolutely help you along that way.","start_word":2436,"end_word":2479,"intents":[{"intent":"Provide advice","confidence_score":0.026011381},{"intent":"Provide support","confidence_score":0.13866916}]},{"text":"Does that do I pay tax on that or no. No.","start_word":2510,"end_word":2520,"intents":[{"intent":"Ask about tax","confidence_score":0.002441494}]},{"text":"So with gifting, it's really also important to know that Centrelink has certain rules around gifting. So under the Centrelink rules, if you are going to gift anything, they have a five year rule.","start_word":2570,"end_word":2603,"intents":[{"intent":"Analyze gifting rules","confidence_score":0.012787617}]},{"text":"You just need to confirm that you have retired because they're gonna ask you to confirm your last day of work Will and be your the fifteenth site use of December.","start_word":3191,"end_word":3221,"intents":[{"intent":"Retire","confidence_score":0.00009522712}]},{"text":"It's Oh, just you taking send it to a me? Okay. Yes. yep. We'll send it out to you. Are you happy with us sending to you on the fifteenth on your birthday, or would you like it the next day maybe?","start_word":3294,"end_word":3335,"intents":[{"intent":"Schedule mail","confidence_score":0.0008580741}]},{"text":"we were just concerned about. That he's, you know, like, he'd like to have at least three months off. And then, you know, if they want him back, he can go back.","start_word":4073,"end_word":4104,"intents":[{"intent":"Plan retirement","confidence_score":0.05129162}]},{"text":"So because I'm just gonna update the advice, I'm just gonna go through and just update some other circumstances here there for you, Michael.","start_word":4378,"end_word":4401,"intents":[{"intent":"Update circumstances","confidence_score":0.82290363}]},{"text":"So because I'm just gonna update the advice, I'm just gonna go through and just update some other circumstances here there for you, Michael. Now Yep.","start_word":4378,"end_word":4403,"intents":[{"intent":"Update advice","confidence_score":0.48507512}]},{"text":"at the moment, your income, I've got you earning about 51,000 per annum. Is that still correct, and is that the income expected until December?","start_word":4404,"end_word":4428,"intents":[{"intent":"Update income","confidence_score":0.45233643}]},{"text":"And as I said, then when he does retire, that will be, you know, going back casual will be he'll Yes.","start_word":4561,"end_word":4581,"intents":[{"intent":"Retire casually","confidence_score":0.035915963}]},{"text":"So at the moment, are you happy with me keeping your income at that $51,000 mark Yeah.","start_word":4610,"end_word":4626,"intents":[{"intent":"Keep income","confidence_score":0.16624853}]},{"text":"I've got confirmed beneficiaries in the event of something happening and you passing, you want everything to be paid to Judith. Yes. Yeah.","start_word":4712,"end_word":4734,"intents":[{"intent":"Confirm beneficiaries and pay debts","confidence_score":0.00067468133}]},{"text":"I feel like some day trips somewhere or some overnight trips in the new car might be worthwhile over Christmas and New Year's. Yeah.","start_word":5095,"end_word":5118,"intents":[{"intent":"Clarify investment preferences","confidence_score":0.0006864086}]},{"text":"But do you think you are looking to try and get, say, the highest return you can, looking at 8% and above to try and build as much as you can, or do you think you'd be more comfortable achieving maybe a six, a five, a four, or a 3% return just to kinda keep your capital more in place for you withdrawal?","start_word":5659,"end_word":5721,"intents":[{"intent":"Determine optimal returns for investment","confidence_score":0.0002539608}]},{"text":"If you saw your super fall in the next sort of six months due to what was happening in the markets generally, I know you'd probably feeling a little bit concerned. You wouldn't be very happy with it.","start_word":5752,"end_word":5789,"intents":[{"intent":"Check super market impact","confidence_score":0.0000023569944}]},{"text":"Essentially, you do have income tax and capital gains tax consequences. So your super fund, is doing a tax return every year for it. It is doing an and paying income tax and CDT tax on growth and income that is earned within the system there. When you actually do retire and you move into pension phase, that phase is fully tax free. So we have one or Yep. two options. You can.","start_word":6824,"end_word":6896,"intents":[{"intent":"Evaluate capital withdrawal options","confidence_score":0.000014875154}]},{"text":"Now in the annual review pack, which I have emailed to you as well, it'll be in your emails when you get a chance. It does have a copy of the documents that I've gone through giving you your updated super balance, your performance there as well, and it's also got your ongoing service agreement attached. So just to let you know, this year, there is no change to our fee structure.","start_word":7337,"end_word":7408,"intents":[{"intent":"Provide updates","confidence_score":0.015474544}]}]},"sentiments":{"segments":[{"text":"Hello, Uh-huh. Michael. Hi, Michael. It's Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1458357721567154},{"text":"Good. Thank you. How are you? I'm very well. Thank you.","start_word":15,"end_word":25,"sentiment":"positive","sentiment_score":0.5198553204536438},{"text":"I had you booked in for a bit of an annual review and a bit of a chat around. You're turning 60 soon. Is now still a good time there for you? Zero. That's getting old. No. Not at all. Please do not think that in any way, shape, or form. 60 is a great age. Sounds like you're about 21. I'm not. I can promise you I'm actually 41. So Well, it's by close. no means, I I sound young. They're all good, Michael. Is now still a good time for a bit of a chat and an update? Yeah. Yeah. No problem at all. Yep. Yep.","start_word":26,"end_word":133,"sentiment":"neutral","sentiment_score":0.047302838414907455},{"text":"Fantastic.","start_word":134,"end_word":134,"sentiment":"positive","sentiment_score":0.5355757474899292},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Certainly.","start_word":135,"end_word":166,"sentiment":"neutral","sentiment_score":0.202847883105278},{"text":"Fantastic.","start_word":167,"end_word":167,"sentiment":"positive","sentiment_score":0.4181387722492218},{"text":"And just to do security there as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Michael Leslie Tozer. Fifteenth Yep. to twelfth nineteen sixty six. I think I've changed the address to 1203 Dash 12 Emily Avenue, Surface Paradise. Yep. That's the one. Yeah. Perfect. Lovely. When did when did you move? January. Oh, fantastic. And how's it been going? Everything nice? Enjoy the new place? Yeah. No. It's good. Yeah. Oh, that's good. That's good. Are you sort of riding the hottest service? Is it quite Yeah. busy where you are? Yeah. Near near Northcrest Surf Club. Is that where that is? Yeah. I do. Wow. Very I mean, good position.","start_word":168,"end_word":299,"sentiment":"neutral","sentiment_score":0.09885817021131516},{"text":"Great location.","start_word":300,"end_word":301,"sentiment":"positive","sentiment_score":0.3914136290550232},{"text":"Walking distance everywhere. Absolutely. I've All got my good. wife with me too, Jude. Oh, perfect. Hi, Judith. How are you? Hello? Good.","start_word":302,"end_word":324,"sentiment":"neutral","sentiment_score":0.1946080178022385},{"text":"Thank you. That's good.","start_word":325,"end_word":328,"sentiment":"positive","sentiment_score":0.35154175758361816},{"text":"Now I know part of what you wanted to discuss today, Michael, was about you turning 60 moving forward there as well. Yep. Is there anything else specifically that you wanted me to sort of talk about or touch on as part of the review when you're turning 60? What's kind of the plan when you turn 60? Are you hoping to keep working or retire, or what's what's the plan moving forward so far for yourself? What we plan is if well, I don't know how it works. If I take try and get some money out, do I can I Yep. keep working, or do I have to finish work to get money out? Access and money.","start_word":329,"end_word":447,"sentiment":"neutral","sentiment_score":0.07683739811182022},{"text":"Yeah. Perfect. So, essentially, under the legislation, once you turn 60, you can access your full super, fully tax free as long as you are fully retired.","start_word":448,"end_word":474,"sentiment":"positive","sentiment_score":0.435162216424942},{"text":"So if you plan to stop working with the intention of not going back to work, you can access all of your super. The alternative is we can do what's called a transition to retirement account where you can access up to 10% of the balance that is transferred into a pension account. We do have to leave at least 10,000 behind in a super account to accumulation phase, but Yep. you can access up to 10% of your balance that way as well. Is there a specific amount that you're sort of looking to try and access? Or Yeah. I want well, what I'm after is probably buy a new car and pay some debt off. yeah. Yeah.","start_word":475,"end_word":593,"sentiment":"neutral","sentiment_score":0.13258863985538483},{"text":"Nice. Nice.","start_word":594,"end_word":595,"sentiment":"positive","sentiment_score":0.549186110496521},{"text":"And how much do you think you might need for that? Probably I don't know. 85,000, I think. Tell me buy a car or a 100,000 or something. I don't know what I've got in there. So Yeah. No. That's okay. So let's have a bit of a look at how your super is at the I'm moment. So I'm I guessing do have it's probably about a 140 or something in there. actually, very close, honestly. You've got a a balance at the moment of a 148,026 and 97<unk> there.","start_word":596,"end_word":687,"sentiment":"neutral","sentiment_score":0.032025039196014404},{"text":"So it has definitely gone up.","start_word":688,"end_word":693,"sentiment":"positive","sentiment_score":0.3439670503139496},{"text":"When I have a look at the balance as of last year, this time last year, your balance then was a 124,004 Yep. 83 and 58<unk>.","start_word":693,"end_word":720,"sentiment":"neutral","sentiment_score":0.08692457526922226},{"text":"So your balance has definitely increased on last year, which is good.","start_word":720,"end_word":732,"sentiment":"positive","sentiment_score":0.6471470594406128},{"text":"When I have a look at the performance of the investments there as well, the net return, so after fees, Your portfolio has returned 11.47.","start_word":732,"end_word":757,"sentiment":"neutral","sentiment_score":0.2642281949520111},{"text":"So it is good you have seen that increase over the last twelve months.","start_word":757,"end_word":771,"sentiment":"positive","sentiment_score":0.613114595413208},{"text":"Earnings as a dollar figure, some people prefer a dollar figure over an as percentage. I'm so sorry. So the earnings as a dollar figure means that you've earned about 17,864 in growth plus income in the year.","start_word":771,"end_word":809,"sentiment":"neutral","sentiment_score":0.16926009953022003},{"text":"So it is good. You are definitely seeing an increase from where you were last year. The portfolio has been working very nicely there.","start_word":809,"end_word":833,"sentiment":"positive","sentiment_score":0.5962895750999451},{"text":"And even with what's been I know you probably heard what's been happening in the news globally with The US and the Iran war and the high interest rate here, so that all has had a bit of an up and down effect on the market this year, but you've come up with a positive return, so it is good to see. Yep. I am I did have a bit of a look at your portfolio prior to you having the phone call with me today, and I can sort of see there that, obviously, you are, sorry, you are one of your investments has underperformed a little bit in the year as much as you've come out on top with a positive result. There is one of your investments that has been a bit down, a bit underperforming there, and that's the band along Australian equities portion of your portfolio. So when that Yep. was put in your portfolio originally, it was meant to be more of an actively managed fund. So the idea of that investment manager is they're trying to outperform against the market and get greater returns for you. They're supposed to be buying and selling in a you know, picking the market, timing it, and picking investments that are valued low and trying to sell Yep. high and things like that. They haven't unfortunately been able to do that this year, and they've had some underlying issues there. So it is one that I would like to maybe look at moving out. But as a whole, if you're also looking to access some funds there, we might look at updating the advice and maybe looking at how how you can access those funds around December, what that looks like for your long term goals, and maybe look at updating the investments as a whole. Does that sound okay? You'd like to maybe do that a whole advice piece there? Yes. Yes. Yeah. Oh, good. Do you happen to have access to your emails at the moment? Are you currently driving or just not at your computer? Or I'm sitting in the car in the sun talking to you. oh. Oh, did you wanna find a shady spot?","start_word":833,"end_word":1203,"sentiment":"neutral","sentiment_score":0.05364020720043915},{"text":"I don't want you to sit in the sun.","start_word":1204,"end_word":1212,"sentiment":"negative","sentiment_score":-0.4284281432628632},{"text":"No. You're alright. You're Keep okay? going. I got the AECOM on.","start_word":1213,"end_word":1224,"sentiment":"neutral","sentiment_score":-0.03316126763820648},{"text":"Oh, beautiful. Beautiful. All good.","start_word":1225,"end_word":1229,"sentiment":"positive","sentiment_score":0.5902281403541565},{"text":"So, look, if we are looking to maybe update the advice there and have a look at things, I would like to maybe look at removing that investment if it's viable to do so, look at Yep. maybe seeing how that tracks over the next sort of essentially six months towards December there. And so you've mentioned that you're looking to maybe access about 80,000. Is that right? Well, just I mean, probably Okay. just say a 100,000. I mean, not not get that much, and we'll just have to work it out what we wanna do. Yeah. So, realistically, if we are you planning to maybe What I'm what what my plan is the way the way I govern, I don't know how true this is. If I get money out of my super, I have to finish work, and you can't work Mhmm. just how long can you go straight back to work? Find a job and go back Yeah. to work? Yeah. So, look, essentially, for you to access your super, you just have the you have to have the intention to retire. So you'd be have to be willing to stop working with the intention of not going back to work again. However, if you then open a pension account and start accessing your super and then next week you find you have been offered a job and you wanna go back to work or say you are bored of retirement, there's absolutely nothing wrong with that. However, for me to be able to do the advice and to look at drawing out that kind of amount of money for you, it is essentially you saying, hey. I'm planning to retire. I'm gonna be retired at this stage. I'm not planning to go back to work. After Well, that's that what time, that's if what you then I just get said a job, then. that's up to you. But there's nothing to stop you. You don't have to stay retired. Many retired people get bored and go back to work, and that's absolutely fine. It's completely up to you. Yeah. But I Is I'm that I'm kind planning of to what retire when I turn 60 on the December 15. beautiful.","start_word":1230,"end_word":1604,"sentiment":"neutral","sentiment_score":-0.02323055934906006},{"text":"Beautiful.","start_word":1605,"end_word":1605,"sentiment":"positive","sentiment_score":0.6038196086883545},{"text":"Did you want me to update the personal advice piece to factor in that withdrawal and then, obviously, the long term effect on your super and how we Yes. look at maybe building your balance back up, you know, after Yes, that? boys. Or, yep, that's okay. Yeah. Yeah. That's okay. Not a problem. The others the other option is if you wanted to, you can do it as another, yeah, another side of things is I can just do the advice to sort of reflect the change in the investments now. And then when you turn 60, you can just call us, request the withdrawal as a transaction without seeking advice and just confirm that you have retired. Did you want me to go down the personal advice route and do it as a whole document for you now, or did you wanna maybe look at just requesting a withdrawal in December and we just look at you you're super in kind of investment switching and things like that now? What would you like me to do? What what's my best what what do you think my best option is? Realistically, the advice document would be around because we have about six months, I could do the investment switch now, look at what we're projecting your super to be based on the growth over the next sort of six months. We could then look at, you know, you retiring and opening a pension, drawing the 100,000 down, but then I Yep. could not factor in any additional contributions after that because, essentially, you are retired. But then again in December, we can always come back and do a new advice piece if you decide to go back to work after that point to then look at how to build your super back up again because you Yeah. will still have money left in super by taking a $100 out. You've got a 148 there now and six months of additional growth and income to to come as well plus contributions. Would that Yeah. be So okay? Yes? I think that's the way I think that's the way to go. Yes.","start_word":1606,"end_word":1966,"sentiment":"neutral","sentiment_score":0.08033265053730593},{"text":"Beautiful. Look.","start_word":1967,"end_word":1968,"sentiment":"positive","sentiment_score":0.44921159744262695},{"text":"You are a client of ours. You pay the ongoing service fee, so I can do as many advice pieces as you want. But right now, it just sort of means that I can look at your investments, look at how best the structure is for you to help you work over the next six months. We factor in the withdrawal, what's expected after that withdrawal, and then we'll note in there that we'll meet again in December to look at what changes the circumstances are, and we'll keep the advice evolving from there. Does that sound okay with you? Yes. It does. Yeah.","start_word":1969,"end_word":2072,"sentiment":"neutral","sentiment_score":0.13905417919158936},{"text":"Beautiful. Excellent.","start_word":2073,"end_word":2074,"sentiment":"positive","sentiment_score":0.6097781658172607},{"text":"And Now you'd be next comfortable yeah. You're right. Go for it. Sorry. what what's do I have to pay tax on that? Or what's Tax free. So Tax if free you money, are is it? it is. If you are 60 and you have retired, you get access to the money tax free. Correct? Okay. Thank you. Yeah. It's nice, isn't it? You've worked all this time, and you get a you get that money out tax free. So what what happens when I do it just says 60 or when I retire, Yep. you know, Yeah. 67, Yep. Yep. does that take my pension or not? How does that work? At 67? Well, you're only 60 this year, so you do have essentially seven years until you're eligible for the age pension through Centrelink. But Yep. when you get to age seven, Centrelink look at your assets and liabilities at the time of your application. So if you have taken a 100,000 out of super at 60 Yep. At and 60. that money is gone, they're not gonna assess that. So when you go to do the Okay. age pension application at 67, they wanna see what you have available to your super balance at age 67 plus any other your car, your boat, your caravan. They wanna see any investments you might have. They'll look at your bank accounts. They'll look at all the other things there. Your Yep. house is fully exempt as long as it's more under two two hectares, which in some products would absolutely be.","start_word":2075,"end_word":2336,"sentiment":"neutral","sentiment_score":0.05975296976798363},{"text":"So, yeah, essentially, it's not a problem on the age pension side of things at age 67.","start_word":2337,"end_word":2353,"sentiment":"positive","sentiment_score":0.337185800075531},{"text":"And when you get to that point, Michael, let me know. I can look at both yourself and Judith as a whole unit, and we can look at age pension eligibility. I do a lot of that here. So we can look Yep. at age pension eligibility, what that looks like for you, how that works, what super you guys have that we can maybe replenish for, because age pension isn't a lot of money. It doesn't really cover everything we need.","start_word":2354,"end_word":2435,"sentiment":"neutral","sentiment_score":0.13695506751537323},{"text":"So having a little bit of super there to sort of back you up and and provide some additional support isn't a bad thing, but I do a lot of that advice here as well and Yep. can absolutely help you along that way.","start_word":2436,"end_word":2479,"sentiment":"positive","sentiment_score":0.47084954380989075},{"text":"What just say I give just say we're well, But add me a $100,000 and I give a a gift to my son, like, and do a bit of money. Does that do I pay tax on that or no. No. But when they receive the funds, if they invest the money or if they put the money into a no? bank account and earn income, they pay tax on what they Yes. do Okay. with the funds. Yeah. Yeah.","start_word":2480,"end_word":2559,"sentiment":"neutral","sentiment_score":0.011570091359317304},{"text":"Perfect.","start_word":2560,"end_word":2560,"sentiment":"positive","sentiment_score":0.3570397198200226},{"text":"But, No. Thank essentially, you. yeah, that's okay. So with gifting, it's really also important to know that Centrelink has certain rules around gifting. So under the Centrelink rules, if you are going to gift anything, they have a five year rule. So gifting before, essentially, the age of 62 is preferable because any gifting Yes. between 62 to 67, they're gonna ask you in the application, have you gifted any money? And they have gifting rules. So, essentially, under their rules, you can gift up to 10,000 per year or 30,000 over a five year period, but no more than 10,000 per year. So as an example, over five years, if you wanted to give your three kids $30,000, say 10,000 each, you would have to do 10,000 increments each financial year. Yep. But Yep. over five years, you can't go over that $30,000 mark. Yep. If you do, Centrelink assess you as having that that extra money over the the threshold of 30,000. They assess you with still having that money, and it accounts to and can reduce your pension payments. So even Okay. though you don't Yeah. have that money left, they still assess you with holding Yeah. it, essentially. Okay. Well, Yeah. I understand that now. Yeah.","start_word":2561,"end_word":2771,"sentiment":"neutral","sentiment_score":0.026278807980260013},{"text":"Thank That's you. all good.","start_word":2772,"end_word":2776,"sentiment":"positive","sentiment_score":0.4871693253517151},{"text":"That just That's makes alright. sense. Yep. Yep. Oh, you just There's a lot you of rules don't involved know there, because isn't you've it? never done it. So That's not letting me ring because No. I said I'm I've been hearing, like, reading and hearing, and it just goes down a rabbit hole. Yeah. So I Oh, just wanted I to know. make sure Well, that absolutely. Yeah. Alright.","start_word":2777,"end_word":2846,"sentiment":"neutral","sentiment_score":-0.06682368367910385},{"text":"Cool. All good.","start_word":2847,"end_word":2849,"sentiment":"positive","sentiment_score":0.5154759883880615},{"text":"Well, you guys you guys are welcome to ask any questions you have, especially around that side of thing there too, Drew. If there's anything that you're after no. Your annual review is coming up shortly as well. So I definitely wanna have a look at it where everything's going for yourself and maybe look at any advice that we need to update for you as well. But, yeah, realistically, if even if you have any questions about ScentLink, you hear anything that you're concerned about, give me a call or send an email or ring us, and my team will book you in, or they'll get me to send an email, whatever you're preferable, that you're welcome to ask those sorts of questions because there's a lot of information out there. A lot of it's a lot of hard to decipher, and Centrelink is just difficult Yeah. to talk to as a whole. So having Exactly. people here like us to be able to help you with that is absolutely my area. Okay? Right. Right. So how much notice do I need to give when I obviously, I'm gonna finish when I'm 60 then. Yep. How much notice do I need to give in that money going in my bank account? So what we will essentially do as part of the advice, if you like, I will set it up that in as part of the advice, we'll look at the investments, look at growing your super over the next six months, and then consider in the withdrawal out. With the withdrawal, because I'll add it into the advice piece, which will just take me a couple of weeks to get sorted, and Yep. I'll let my team will book you back and negotiate that together so you and I can see it. But Yep. what'll happen is my team will put a little calendar invite in mine and their calendar, and they'll give you a call. We can do it, say, a week out from when you turn 60. You just need to confirm that you have retired because they're gonna ask you to confirm your last day of work Will and be your the fifteenth site use of December. December 15. Beautiful.","start_word":2850,"end_word":3224,"sentiment":"neutral","sentiment_score":0.11019808236757914},{"text":"Certainly will be. Lovely.","start_word":3225,"end_word":3228,"sentiment":"positive","sentiment_score":0.5793454647064209},{"text":"It says you would just have to sign a form and a declaration to confirm that you are retired as of the December 15. On the Do fifteenth, I get that if you're comfortable sorry. You're right. do I get that phone from where I work or what's No. It's it's just a declaration that we get for you from your super fund. Yeah. It's Oh, just you taking send it to a me? Okay. Yes. yep. We'll send it out to you. Are you happy with us sending to you on the fifteenth on your birthday, or would you like it the next day maybe? Oh, the day before? We can, but it can't be signed until the actual day. So the Oh, other side fuck of yeah. it, yeah, so it has to be signed on the fifteenth. So I'd be more it'd probably be better. We can have it done up ready to go the day before, but we send it to you on the morning at the fifteenth. My team Yep. can give you a call, say happy birthday.","start_word":3229,"end_word":3411,"sentiment":"neutral","sentiment_score":0.033935261269410454},{"text":"Welcome to sixty, Michael.","start_word":3412,"end_word":3415,"sentiment":"positive","sentiment_score":0.39230459928512573},{"text":"Sign that box for us. And then when that comes back, we can have that put in place. It does take the super fund a couple of days to have everything set up and the withdrawal Yep. completed for you. Yep.","start_word":3416,"end_word":3456,"sentiment":"neutral","sentiment_score":0.2853241562843323},{"text":"But we can definitely work to do that.","start_word":3457,"end_word":3464,"sentiment":"positive","sentiment_score":0.38342708349227905},{"text":"We do go on leave around about the twentieth, and I'll double check the dates. But we'll work with you to make sure that withdrawal is processed as quickly as possible before we leave for the Christmas break so you can get those funds out. Okay? Cool. Yep. That's thank Yeah. you. That's That's okay.","start_word":3465,"end_word":3519,"sentiment":"neutral","sentiment_score":0.20182575285434723},{"text":"Thank okay.","start_word":3520,"end_word":3521,"sentiment":"positive","sentiment_score":0.3349473178386688},{"text":"you. But, yeah, because I'm putting it in the advice piece and we're factoring that in for you, that essentially we'll we'll organize and give you a call on the day. We'll organize the forms. You've just gotta be comfortable signing them. And, yes, Yep. just comfortable with the declaration. We'll essentially be ticking a box and say you're 60 and fully retired. It'll last for your last day of work, Yep. which realistically yeah. You're just you're happy with the fifteenth as your last day of work. That's or do you wanna take the day your birthday off and have maybe the day before off? What what day is the fifth day? A Tuesday. That's The obviously fifteenth is the fifth a month day. the fifteenth is a yeah. A Tuesday. I think it is a Tuesday. Yeah. Did you wanna retire maybe this Friday? No. No. I'm gonna finish on my birthday. Okay.","start_word":3522,"end_word":3676,"sentiment":"neutral","sentiment_score":0.13181483827290996},{"text":"Perfect.","start_word":3677,"end_word":3677,"sentiment":"positive","sentiment_score":0.3722388446331024},{"text":"So we'll put down that the fifteenth is your last day Yes. of work, and that'll be Yeah. submitted.","start_word":3678,"end_word":3696,"sentiment":"neutral","sentiment_score":0.07226528972387314},{"text":"Beautiful.","start_word":3697,"end_word":3697,"sentiment":"positive","sentiment_score":0.5477560758590698},{"text":"So what The I super what I'm what I hope to do is, you know, order a car beforehand Yep. and had them try to get us around my birthday. You know? That's what I'm asking. Yeah. That's okay. What kind of car are you planning on getting? Oh, I don't know yet. Got no idea. Pretty good. I I went over to BYD Yep. hybrid, but I we need to have a couple more cars tonight. Yeah. Yep. That's okay. What I will do as part of the research is I will just confirm with Hub twenty four, they're happy with you retiring on your birthday. They might sort of ask if you can maybe retire the day before, say, the fourteenth. That way, Yes. we're submitting the form and you have retired. Would you be comfortable doing it that way? Would you be comfortable finishing one day earlier maybe? Well, make it hang on. Just Yeah. It will be What's the Thursday before? Because that's me. I have Friday, Saturdays off. Thursday. Oh, you can have a long weekend. The No. Thursday Don't worry. He is works all day Sunday. Alright. I'll finish make it the tenth. I'll finish work on the tenth. alright. Perfect. So we'll make it the Thursday, the tenth for you. Yep.","start_word":3698,"end_word":3915,"sentiment":"neutral","sentiment_score":0.10066553950309752},{"text":"Excellent.","start_word":3916,"end_word":3916,"sentiment":"positive","sentiment_score":0.3991834819316864},{"text":"So on the fifteenth, we'll give you a birthday call. Say happy birthday. Get that form sent out. We'll Yep. pre tick the box and say that you're gonna you're gonna retire on the December 10 this Yep. year, and you'll just need to let your employer know so they're aware that you are retiring. Okay? I can't I Yeah. can't wait for that.","start_word":3917,"end_word":3980,"sentiment":"neutral","sentiment_score":0.16837811470031738},{"text":"Oh, look. It is really exciting. I'm glad you're not having to work on your birthday. Like, you you should be able to enjoy that day. '60 is a good thing.","start_word":3981,"end_word":4011,"sentiment":"positive","sentiment_score":0.56287085048614},{"text":"I don't think I've ever worked my birthday. No. I don't think I don't think you've ever Why worked anyway. why start now? That's right. Yeah. Yes. So so just to recap, like, if he does because the job he's doing, he has an option to go back casual later on. So Yeah. he's a commercial cleaner. But that's what Yeah. we were just concerned about. That he's, you know, like, he'd like to have at least three months off. And then, you know, if they want him back, he can go back. So that's not an issue, is Yep. it? If he Yeah. he No. goes Absolutely back casually? not. Yep. So it's alright. And then that Yeah. was our Absolutely. plan for him to him to pay more super because we won't have any debt. We'll have all our debts cleared. You know, we'll have Yeah. the new car. We won't have to And we're gonna have a holiday. We'll have a holiday. We'll have the new car, and we won't have any debt. So we'll be able to budget Beautiful. better with his income. And, unfortunately, I was supposed Yeah. to work with him. So And we'll have a new Yeah. grandchild. So Yes. We'll have a new grandson. Oh, So that was yeah.","start_word":4012,"end_word":4228,"sentiment":"neutral","sentiment_score":0.057053763419389725},{"text":"congratulations. That'll be fantastic.","start_word":4229,"end_word":4232,"sentiment":"positive","sentiment_score":0.5581624507904053},{"text":"What a year, Yes. honestly. But, no, Rod. He's he's born in September, so we probably won't get to see him until Christmas anyhow. So yeah. So that would be great. And you will have retired Okay. just in time to go and spend some quality time with your new grandson, enjoy That's your right. new car and day trip, and then you Yep. decide what you wanna do moving forward.","start_word":4233,"end_word":4303,"sentiment":"neutral","sentiment_score":0.11821068823337556},{"text":"That's fantastic.","start_word":4304,"end_word":4305,"sentiment":"positive","sentiment_score":0.6317996382713318},{"text":"Yeah. Some of us are retired. I'm Some have still got four years. yeah. Yeah. Look. I'm a little bit jealous. As I said, I'm 41, so not really a spring chicken. But, look, I would love to be 60 right now and and give retirement a go.","start_word":4306,"end_word":4353,"sentiment":"neutral","sentiment_score":0.027704411496718723},{"text":"It sounds fun.","start_word":4354,"end_word":4356,"sentiment":"positive","sentiment_score":0.4348207116127014},{"text":"So So that's that's fine. But, no, thank you.","start_word":4357,"end_word":4365,"sentiment":"neutral","sentiment_score":0.24026311933994293},{"text":"You've been very helpful. That's okay. That's not a problem at all.","start_word":4366,"end_word":4377,"sentiment":"positive","sentiment_score":0.46497902274131775},{"text":"So because I'm just gonna update the advice, I'm just gonna go through and just update some other circumstances here there for you, Michael. Now Yep. at the moment, your income, I've got you earning about 51,000 per annum. Is that still correct, and is that the income expected until December? This year this year, it'd be probably down a bit because I've had his He's had a condition where he keeps what what's it called? Meniere's disease, vertigo. So, like, he's Oh, wow. yeah. And and he's just been tested, had a MRI today again. Yeah. So I think he's got something wrong with his balance in his ear, and he keeps Yeah. fighting in that. So he has his income's way down because he had, like, in September Alright. about nine weeks off. So, Yeah. yeah, lucky we've managed to just stay afloat with our savings. But at the moment, that's the trouble. He's got no savings and because he's, you know, not working his full hours. But hopefully Yeah. Reason forward will be July 1, he'll be back to normal. And as I said, then when he does retire, that will be, you know, going back casual will be he'll Yes. he doesn't have to Helpful. work so much to get the same roughly Income. the same income. Yeah. So that's Yeah. the plan. Absolutely. Yeah. No. Absolutely. Perfect. So at the moment, are you happy with me keeping your income at that $51,000 mark Yeah. for Yeah. the plan Yeah. That's to that's to factor fine. in contributions? Yeah. Yep.","start_word":4378,"end_word":4641,"sentiment":"neutral","sentiment_score":-0.01664361171424389},{"text":"Beautiful.","start_word":4642,"end_word":4642,"sentiment":"positive","sentiment_score":0.4095302820205689},{"text":"Yeah. And your salary sacrificing as well, it looks like about $80 per fortnight. Is that Yes. right? That is right. Yeah. Yep.","start_word":4643,"end_word":4665,"sentiment":"neutral","sentiment_score":0.023863209816424744},{"text":"Beautiful.","start_word":4666,"end_word":4666,"sentiment":"positive","sentiment_score":0.5599059462547302},{"text":"And that's gonna continue forward until December when you retire? Yes. Yep.","start_word":4667,"end_word":4678,"sentiment":"neutral","sentiment_score":0.18487238883972168},{"text":"Beautiful. I'm just popping that in here for you. Excellent. That's per fortnight. Lovely.","start_word":4679,"end_word":4692,"sentiment":"positive","sentiment_score":0.4656769335269928},{"text":"I've got down here, obviously, silly questions to ask, but I've got Judith, you're next of kin. And Yes. I've got confirmed beneficiaries in the event of something happening and you passing, you want everything to be paid to Judith. Yes. Yeah.","start_word":4693,"end_word":4734,"sentiment":"neutral","sentiment_score":0.18409240245819092},{"text":"Beautiful. Beautiful.","start_word":4735,"end_word":4736,"sentiment":"positive","sentiment_score":0.5227905511856079},{"text":"I don't wanna cause divorce court or anything, but just need to confirm those things for you.","start_word":4737,"end_word":4753,"sentiment":"neutral","sentiment_score":0.2255387008190155},{"text":"It's all I good. can see your I can see your employer contributions coming in, so I can see where they're coming from, which is absolutely fantastic.","start_word":4754,"end_word":4780,"sentiment":"positive","sentiment_score":0.5024315714836121},{"text":"Looking at your assets and liabilities now. Now where you are, the money paying off a couple of debts, what debts are you planning to pay off with the funds that you draw out of super? We got a couple of credit cards. Two credit cards Yep. and a personal one. And a and a personal one. Okay. Beautiful. And a personal loan. And you're renting Yeah. where you are at the moment? Yes. Yeah. How much rent are you paying at the moment on a weekly or fortnightly basis? $7.50 a weekly. $7.50 per week.","start_word":4781,"end_word":4876,"sentiment":"neutral","sentiment_score":0.0352974459528923},{"text":"Excellent.","start_word":4877,"end_word":4877,"sentiment":"positive","sentiment_score":0.3411560654640198},{"text":"Yeah. I mean, not bad for the prime location that you're in.","start_word":4878,"end_word":4889,"sentiment":"neutral","sentiment_score":0.2919924557209015},{"text":"That's pretty good. Excellent.","start_word":4890,"end_word":4893,"sentiment":"positive","sentiment_score":0.43571704626083374},{"text":"And how much do you have owing on those credit cards? They're roughly All off to that? All off to about 16,000 at the moment. So 9 Yep. thousand to the personal loan and the credit card is 5,000 and another one at 2. We will be Okay. closing the one of the credit cards when we Yeah. Pay it off. Pay it off. We'll have one as a spare, but I I think it's Yep. the yeah. Just in case it's rainy day. Emergency. Yeah. Absolutely. And I've got your car noted here as well. We had a value last year for about 25,000. What kind of car do you drive at the moment? Still missing cash car. Same car. Yep.","start_word":4894,"end_word":5015,"sentiment":"neutral","sentiment_score":0.02193571975240942},{"text":"Beautiful. Excellent.","start_word":5016,"end_word":5017,"sentiment":"positive","sentiment_score":0.5084205865859985},{"text":"And what's the value would you put on that now, do you think? 15? 15. 10 to 15. They're Yep.","start_word":5018,"end_word":5037,"sentiment":"neutral","sentiment_score":0.009805439971387386},{"text":"not worth not going much.","start_word":5038,"end_word":5042,"sentiment":"negative","sentiment_score":-0.38993459939956665},{"text":"No. Beautiful. And with your new car, what sort of cost do you think you'll be spending on that? You're not really Probably sure? they're about $5,657,000. That's Yeah. yeah.","start_word":5043,"end_word":5072,"sentiment":"neutral","sentiment_score":-0.00932595320045948},{"text":"That's Beautiful.","start_word":5073,"end_word":5074,"sentiment":"positive","sentiment_score":0.36049360036849976},{"text":"That's that's on road, everything. So including On on road. road. Is there. Yeah. Well, that's what we're budgeting.","start_word":5075,"end_word":5093,"sentiment":"neutral","sentiment_score":0.11541645228862762},{"text":"Beautiful. I feel like some day trips somewhere or some overnight trips in the new car might be worthwhile over Christmas and New Year's.","start_word":5094,"end_word":5117,"sentiment":"positive","sentiment_score":0.40810075402259827},{"text":"Yeah. Probably, we're thinking about how he buys at Christmas Yeah. And meet the grandson.","start_word":5118,"end_word":5132,"sentiment":"neutral","sentiment_score":0.10314527153968812},{"text":"That'll be beautiful. A good drive too. I love that. That's fantastic. Excellent.","start_word":5133,"end_word":5145,"sentiment":"positive","sentiment_score":0.610889196395874},{"text":"And do you have any other assets you wanna note down? Do you have any other investments or anything of value that you wanna note down? No. No. Nope. Thank you. That's that's okay.","start_word":5146,"end_word":5179,"sentiment":"neutral","sentiment_score":0.07818927615880966},{"text":"Beautiful.","start_word":5180,"end_word":5180,"sentiment":"positive","sentiment_score":0.4047144651412964},{"text":"Excellent. Now the other thing to look at is just your risk profile as well. Now we do do this every year with you. I'll just do it really quickly for you. I'm just checking how you're invested at the moment within your super there just to make sure that I know what your portfolio looks like. Two seconds. Sorry. Love technology when it wants to work with us there. So at the moment, you're in that growth kind of environment there. So that essentially sees about 80% of your super invested in growth ads, so think Australian shares, international shares, property, and also commodities, so precious metals like gold and silver. Those are the Yep. investments that see the ups and downs, the fluctuations that we feel, but they're also the investments there that get us the best return. And then the other 20% is in lower risk defensive investments, the things like cash, bonds, and fixed interest. Those investments tend to get a lower rate of return, but they are seen as lower risk. It's about that risk versus reward sort of balance to try and get the best returns. We have to be willing to take on more risk in the market. When we're not feeling out taking more risk, we tend to get lower rates of returns, but we also continue to get stability. And one of the biggest things I just wanna work at now is over the next six months towards your retirement, are you wanting to take on more risk in the market or the same level of risk knowing there could be a downturn, which means your super could draw backwards a little bit before we access those funds? Or are you wanting to maybe bring that risk level down a little bit for the next six months because you are wanting to access your super? Do you know what you'd like me to sort of look at? Bit of a tough one. It is, isn't it? Alright. I don't know. That's Probably. okay. That's okay. I've got a couple of questions to kinda help and guide if you like just to make it Pretty easier I think on you. I'm in half at high risk and half know what we're doing. It doesn't really let us, yeah, it doesn't really let us do that. We sort of have to have a a total portfolio within your super. We can't kind of break your super into different areas because it's all in one account. Okay. But what I could maybe look at doing, if you're comfortable, I'm just sort of filling out some of the questions here because I know, obviously, you're looking to try and get the best returns you can. On a yearly basis, so over the we're only looking over the next sort of six months there. But do you think you are looking to try and get, say, the highest return you can, looking at 8% and above to try and build as much as you can, or do you think you'd be more comfortable achieving maybe a six, a five, a four, or a 3% return just to kinda keep your capital more in place for you withdrawal? How do you think you might fit? I can hold. I can't hold. Would you go for aim for the highest we can possibly get?","start_word":5181,"end_word":5746,"sentiment":"neutral","sentiment_score":0.047464274146426275},{"text":"Beautiful.","start_word":5747,"end_word":5747,"sentiment":"positive","sentiment_score":0.3621213436126709},{"text":"Why why not? If you saw your super fall in the next sort of six months due to what was happening in the markets generally, I know you'd probably feeling a little bit concerned.","start_word":5748,"end_word":5781,"sentiment":"neutral","sentiment_score":-0.2297537622644621},{"text":"You wouldn't be very happy with it.","start_word":5782,"end_word":5788,"sentiment":"negative","sentiment_score":-0.43710705637931824},{"text":"But, realistically, do you think you'd be wanting to maybe find some extra money, put a lump sum in, and build on your super and maybe hold off retiring till it comes back, or are you still wanting to access your super and cement those losses? No. I think we'll access our super. Access your super either way.","start_word":5789,"end_word":5846,"sentiment":"neutral","sentiment_score":-0.022086476907134056},{"text":"Beautiful.","start_word":5847,"end_word":5847,"sentiment":"positive","sentiment_score":0.5024623870849609},{"text":"Yep.","start_word":5848,"end_word":5848,"sentiment":"neutral","sentiment_score":0.2936827838420868},{"text":"Excellent.","start_word":5849,"end_word":5849,"sentiment":"positive","sentiment_score":0.5304430723190308},{"text":"How do you think you might be feeling if the downturn sorta came? Do you think you'd be feeling optimistic about the investment opportunity, a bit cautious, concerned, or feeling very anxious because you're accessing money? What it is is what it is. Can't do much about it. Yep. So just access whatever you can at the time. Yep. Yes. Yeah. Yep. Yep. That's okay. Not a problem at all. I'm just sort of going through and updating things. Beautiful. I put down here that you'd probably be feeling a bit concerned. Do you feel like you would be a bit concerned about it? Yeah. I probably would be. Yeah. Yeah. Beautiful. So having a look at, obviously, where we are and how you've scored, because you are wanting to look. You're fairly comfortable with taking on more risk in the market to get greater returns, and, you know, you are sort of of that opinion that the market does what the market does, and you can't control that. But wouldn't obviously be overly impressed if the market did take a bit of a huge dip in the next sort of six months there. But with Yep. your time horizon, because you are wanting to access that large sum of money in the next six months there, what I could maybe look at doing for you, Michael, is to look at maybe putting some capital protection in there. We maybe reduce your risk level down to more of a balanced portfolio. It is dropping it pretty drastically. So our portfolios go high growth, growth, balance, growth, and balance. So you are dropping it down by two risk levels. Yep. A balanced portfolio brings it down to 60% invested in those growth assets and then 40% in defensive assets. That essentially is reducing your risk level. It's bringing up some of those defensive investments. It does mean that the amount of returns that we're we're probably expecting might decrease a little bit, but it puts in a little bit more of, you know, a bit more capital protection for you. So we are expecting that, you know, the ups and downs to not be as volatile as well, which can mean adding a little bit of protection for your capital so that you're able to take the funds out and hopefully not see a really large downturn if the market did go that way. Does that make sense? And are you Yep. comfortable with looking at that or yes? Yeah. Yep.","start_word":5850,"end_word":6269,"sentiment":"neutral","sentiment_score":0.03184450790286064},{"text":"That Beautiful. that makes sense.","start_word":6270,"end_word":6274,"sentiment":"positive","sentiment_score":0.3709969222545624},{"text":"Yep.","start_word":6275,"end_word":6275,"sentiment":"neutral","sentiment_score":0.31775012612342834},{"text":"Beautiful.","start_word":6276,"end_word":6276,"sentiment":"positive","sentiment_score":0.48554933071136475},{"text":"And as I said, we'll touch base in December. We'll we'll Yep. touch base after your birthday, and we can always update the advice and look at what to do moving forward thereafter. Because you wanna take about a three month period off minimum Yep. to sort of see and take some time off for you, Are you needing Yep. to draw any income down in that time, or do you feel Judith, like, your income is gonna support you both in that time frame comfortably? Well, I think we've worked it out. We've got the rent and some utilities covered in that three months out Yep. of that Out of that money. Yep. Lump That's sum a we're 100 taking k. out. Yep. Yep. Yeah. So Yeah.","start_word":6277,"end_word":6404,"sentiment":"neutral","sentiment_score":0.08534649759531021},{"text":"Beautiful.","start_word":6405,"end_word":6405,"sentiment":"positive","sentiment_score":0.34728360176086426},{"text":"Not a problem yeah. at all. That's okay. So what we can do is, essentially, we can just if you like, because we do kinda go on leave around about Christmas time, we'll do the advice case in December when you retire. We'll do that drawdown for you. And Yep. then when we come back, I'll book you in for when we come back early January. We can then have a look at your circumstances and look at updating the advice. Does that Yep. sound okay, or would you want me to hold off a little bit longer? February. Probably February early February. Well, I Early have to February? do Yep. a a little trick in January. So Yep. No. Okay.","start_word":6406,"end_word":6526,"sentiment":"neutral","sentiment_score":0.1049324023452672},{"text":"That's okay. Beautiful. What I can even do because we tend to, you know, look at how how best to structure your withdrawal from your super.","start_word":6527,"end_word":6552,"sentiment":"positive","sentiment_score":0.38104769587516785},{"text":"I can also look at if we decide to like, if it works out better to open a pension account and, you know, withdraw that way, Yep. we can always look at, you know, closing that off and moving all the funds, the additional funds back into super. I'll have a look at all the options. I know when you turn 60, are you wanting that money sort of as quickly as possible, or would you be comfortable with opening up a pension and maybe waiting a week for the funds to come out, or you kind of just wanting them to come out, like, the next couple of days really quickly? Next couple of days next couple of days if possible. So a week wouldn't Yeah. hurt. Like, where it's not Yeah. like as long as, yeah, we would get it. Well, I don't know. Depends on our savings. Then it depends on, yeah, when I get the car. The car is not the important thing, but, yeah, just to get through Christmas, Yeah. I think. Yeah. But, hopefully, we Yeah. all have enough savings to have that covered. Yeah. Yeah. Yeah. No. That's okay. I can have a look at all the options and see what sort of works for you, how it sort of looks. One of the biggest things to sort of look at is the tax consequences. And the main reason I sort of bring up the two accounts is that in accumulation phase, which is where you are at the moment, that's what the super system is when you're growing a super before 60. Yep. Essentially, you do have income tax and capital gains tax consequences. So your super fund, is doing a tax return every year for it. It is doing an and paying income tax and CDT tax on growth and income that is earned within the system there. When you actually do retire and you move into pension phase, that phase is fully tax free. So we have one or Yep. two options. You can. What we try to do is we try to move you into pension phase first, so open up a pension account. It generally happens fairly quickly within about sort of, you know, two or three days to open that pension account. The the fund hub twenty four moves money into the pension phase, and drawing the 100,000 down within pension phase, whilst it can take just a little bit longer to do, means that there's no income tax consequences. So the benefit to that is as much as when you draw the money down, whether you draw it as a super pension, realistically, there's no income tax consequences to you. It is tax free. But inside the funding pension phase, there's no income tax and no capital gains tax. And capital gains tax comes from selling down investments, which we do have to do in order to withdraw the funds. So would you be comfortable just sort of having it, you know, maybe take an extra day or two or Yep. an extra Yeah. week That that's just that's to get fine. that Yeah. money That's at the save on tax? Yeah? yeah, that's fine. Yes. Yeah. I I believe Yep. that would be the best option. Yeah. That would be an option.","start_word":6553,"end_word":7109,"sentiment":"neutral","sentiment_score":0.08609822308193203},{"text":"Beautiful.","start_word":7110,"end_word":7110,"sentiment":"positive","sentiment_score":0.5961177349090576},{"text":"And, look, if it took a bit longer and we were on leave, I would jump in there and do it for you. Do not worry in any way, shape, or form. I will make sure even though it's December and, technically, we do shut down for two weeks, I will make sure this happens before we go on leave. That way, you're not stuck without any money over that two week Christmas period. Cool. Okay? Yeah.","start_word":7111,"end_word":7187,"sentiment":"neutral","sentiment_score":0.17342692613601685},{"text":"Thank Beautiful. you.","start_word":7188,"end_word":7190,"sentiment":"positive","sentiment_score":0.5535120368003845},{"text":"That's okay. So I'll look at, obviously, structuring the advice for you to withdraw in December when you retire. Look at structuring your investments now for you as well, and look at how we do that and maybe just reducing your risk level down to that balanced environment. Does that sound Yep. okay? Have I missed Yep. anything at all? No. I don't think so. You've answered all our questions Beautiful. we had written down.","start_word":7191,"end_word":7265,"sentiment":"neutral","sentiment_score":0.1563093513250351},{"text":"Oh, fantastic. Lovely.","start_word":7266,"end_word":7268,"sentiment":"positive","sentiment_score":0.5412890911102295},{"text":"Now it's also a note in here, you don't have any insurances paid out of your supers. There's no insurances to worry about, but you're comfortable Yeah. not having life capability income protection. None of that sort of worries or interests you. That's all I got. Yep. Uh-huh. No. It's not my problem. Yeah. It won't be his problem, but that's okay.","start_word":7269,"end_word":7330,"sentiment":"neutral","sentiment_score":0.09747200158815232},{"text":"I love that. That's all good.","start_word":7331,"end_word":7336,"sentiment":"positive","sentiment_score":0.7776081562042236},{"text":"Now in the annual review pack, which I have emailed to you as well, it'll be in your emails when you get a chance. It does have a copy of the documents that I've gone through giving you your updated super balance, your performance there as well, and it's also got your ongoing service agreement attached. So just to let you know, this year, there is no change to our fee structure. However, Yep. next year, there will be a bit of a change. There is I can't sort of go through it exactly with you right now, but for the time time being, there's no change to your ongoing service fee. It is still 1.1% because you're both on as clients, Yep. and that will continue. If you sign and return that back, it will continue exactly the same over the next twelve months there, and we Yep. can kinda go through everything else down the track. Does that sound okay? Do you have any questions? No. That's fine.","start_word":7337,"end_word":7506,"sentiment":"neutral","sentiment_score":0.10830451548099518},{"text":"Thank you. Beautiful. Beautiful. Well, I'll get cracking on that research there for you.","start_word":7507,"end_word":7520,"sentiment":"positive","sentiment_score":0.387394666671753},{"text":"If anything comes up that you think I've missed or you have extra questions that pop out of any of it, you let me know.","start_word":7521,"end_word":7545,"sentiment":"neutral","sentiment_score":0.2020690143108368},{"text":"I'm more than happy to jump on that.","start_word":7546,"end_word":7553,"sentiment":"positive","sentiment_score":0.6681599020957947},{"text":"Judith, I will get my colleague, Samantha, to organize when you're due for annual review. She'll give you a call Yep. and book you in as well so we can look at everything for yourself as well. Okay? Yep.","start_word":7554,"end_word":7592,"sentiment":"neutral","sentiment_score":0.19049616158008575},{"text":"That'd be perfect. Thank you. Fantastic. Thank you. Well, I'm pretty sure that's everything for you guys. You both have a lovely day, and I will get cracking on this research.","start_word":7593,"end_word":7623,"sentiment":"positive","sentiment_score":0.532148003578186},{"text":"Oh, just one more question. Sorry. I know over the last few years, you've had some additional goals that you were sort of looking at. Do you have anything else that you're gonna look at goal wise over the next few years, or is everything just looking at retirement, drawing that money up, paying off your debts, and getting the new car? Yeah. We'll just look at that to start with. If something changes, Yep. we'll work it out later. Yep.","start_word":7624,"end_word":7704,"sentiment":"neutral","sentiment_score":0.07236944681700365},{"text":"Beautiful. I love it. Fantastic. Not a problem at all. Well, I will let you go. Thank you so much for that. I really appreciate your time this afternoon.","start_word":7705,"end_word":7733,"sentiment":"positive","sentiment_score":0.7277275323867798},{"text":"If there is any questions, let me know.","start_word":7734,"end_word":7741,"sentiment":"neutral","sentiment_score":0.3198145031929016},{"text":"And if you can just get on that any review pack, if you're happy to sign and return it back, do so. And we'll get sorted on the advice and get you booked in a few weeks to go through it all.","start_word":7742,"end_word":7783,"sentiment":"positive","sentiment_score":0.34828656911849976},{"text":"No Okay? problem. I'll do I'll do I'll sign that tonight.","start_word":7784,"end_word":7794,"sentiment":"neutral","sentiment_score":0.17127954959869385},{"text":"You're Thank a you.","start_word":7795,"end_word":7798,"sentiment":"positive","sentiment_score":0.3934119939804077},{"text":"legend.","start_word":7799,"end_word":7799,"sentiment":"neutral","sentiment_score":0.2734415531158447},{"text":"Thank you so much. Have a great day, guys. We really Thank appreciate you. it.","start_word":7800,"end_word":7814,"sentiment":"positive","sentiment_score":0.7126824855804443},{"text":"Okay.","start_word":7815,"end_word":7815,"sentiment":"neutral","sentiment_score":0.2879968285560608},{"text":"Thanks.","start_word":7816,"end_word":7816,"sentiment":"positive","sentiment_score":0.43592435121536255},{"text":"Bye.","start_word":7817,"end_word":7817,"sentiment":"neutral","sentiment_score":0.25060757994651794},{"text":"See you Thank later.","start_word":7818,"end_word":7821,"sentiment":"positive","sentiment_score":0.3346475064754486},{"text":"you. Bye. Bye.","start_word":7822,"end_word":7824,"sentiment":"neutral","sentiment_score":0.172342449426651}],"average":{"sentiment":"neutral","sentiment_score":0.09965381013793775}}}}